TWI285817B

TWI285817B - A system for making a remittance abroad and a method of making a remittance abroad with low cost and reliability at a high speed

Info

Publication number: TWI285817B
Application number: TW90126702A
Authority: TW
Inventors: Shizuo Mizuguchi; Shuzo Katagiri; Shintaro Kobayashi; Shinji Tamaru; Shinya Masuda
Original assignee: Jcb Co Ltd
Priority date: 2000-12-26
Filing date: 2001-10-29
Publication date: 2007-08-21
Also published as: JP4579408B2; BR0116565A; WO2002052474A1; JP2002197278A

Abstract

An international remittance system comprises of a remittance data processing device and a reception data processing device installed in said reception country. The reception data processing device issues a remitter card and a remittee card to a remitter and a remittee in advance, respectively. The remitter card and the remittee card have a remitter card number and a remittee card number, which are relative to each other. The remittance data processing device transmits remittance data to the reception data processing device through an international settlement network. The remittance data including the remitter card number and a remittance amount. The reception data processing device checks the relationship between the remitter card number and the remittee card number when the remittee provides the remittee card number on demanding reception of the remittance. The reception data processing device approves the reception of the remittance to the remittee within the remittance amount when the relationship is verified. It is possible to make the remittance abroad with low cost, simplicity, and reliability.

Description

1285817 ------ 五、發明說明（2) 卜另一方面’在β銀行係預先設置有領取人之戶頭，B銀灯一旦收到匯款資料，就會基於上述匯款資訊而對領取人之戶頭進行匯入處理。〜（3 )領取人，藉由匯款人或β銀行之聯絡或本身查照 =^知匯款已匯入Β銀行之本身戶頭後，即可由戶頭提領 ^ 1)日後，由Α銀行到Β銀行進行相當於匯款金額之移動之結帳處理時，其具體的手段可包^ 現金流動等極多樣之方法。一般而[每次的 ^父易並不進行結帳處理，且實際上也很少伴隨著移動。以下，在本發明#明查由結帳處理邱P 比* 土 " 句迷之全部關於銀行間之、、口恨慝理部伤，皆並未限定於特定之手段。又，以習知之海外匯款系統的其: 4圖（B)概略所示之利用支票开; 有如第大抵是依照以下("〜(3)的順V來進=⑴之順序 •第4圖（Β )之處理流程（i )〜（3 ) (1 )在A銀行具有戶頭之匯寄至位於外國之領取人。 T ’將所開出的支票郵 (2 )領取人，則赴可經辦兒成現金。建支示之Β銀行，將支票 (3 )日後，再進行將相當於毋、錢價值由Α銀行移動至Β銀行之結帳處示理上所記載金額之金 2010-4277-PF;ahddub.p t d 第8頁 12858171285817 ------ V. Description of invention (2) On the other hand, 'in the beta bank, the account of the recipient is pre-set. Once the receipt of the remittance information, the B silver light will be based on the remittance information. The account is processed for import. ~ (3) The recipient, by the remitter or the contact of the beta bank or the self-examination = ^ know that the remittance has been remitted to the bank's own account, then the account can be taken ^ 1) in the future, from the bank to the bank When it comes to the settlement of the movement of the remittance amount, the specific means can include a variety of methods such as cash flow. Generally, [each time the parent is not subject to checkout processing, and in fact is rarely accompanied by movement. Hereinafter, in the present invention, it is not limited to a specific means to deal with all the problems between the bank, the mouth, and the hate. In addition, in the conventional sea remittance system: 4 (B) is schematically shown by the use of a check; as the first is in accordance with the following ("~(3) in the order of V = (1) • Figure 4 (Β) Process flow (i)~(3) (1) Remittance to the foreign recipient in Bank A. T 'Pick the issued cheque (2), then go to The bank will be made into cash. The bank will set up the branch, and the cheque will be executed in the future (3), and the amount of money will be transferred from the bank to the checkout point of the bank. -PF;ahddub.ptd Page 8 1285817

二丄係提供一種即使是在當匯款人及領取人雙方皆未開設、:行戶頭的情況下，亦可進行匯款之海外匯款系統及方【用以解決課題之手段】為了達成上述目的，故本發明之執行從匯款側之國到頊取侧之國的匯款之海外匯款系統及方法，乃提供以下之各實施例來構成。 U ) —種海外匯款系統，執行從匯款側之國到領取側之國的匯款，包括：匯款側資料處理裝置，設置於上述匯款側之國；以及領取側資料處理裝置，設置於上述領取側之國；上述領取侧資料處理裝置係分別對領取人及匯款人預先發行2個分別被分派有具有聯結關係之卡片號碼的卡片，上述匯款侧資料處理裝置係將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取侧資料處理裝置，當來自上述領取人之匯款領取要求跟上述領取人之卡片號碼提示一起發生時，上述領取側資料處理裝置即確認由上述領取人所提示的上述領取人之卡片號碼跟上述匯款二貝料中所包含的上述匯款人之卡片號碼之間具有聯結關係，當已確認雙方之上述卡片號碼具有聯結關係時，准許The second line provides a remittance system and method for remittances, even when both the sender and the recipient are not open, and the account is used to solve the problem. The sea remittance system and method for remittance from the country on the remittance side to the country on the remittance side of the present invention are provided by the following embodiments. U) - a sea remittance system that performs remittances from the country on the remittance side to the country on the receiving side, including: a remittance side data processing device, set in the country on the remittance side; and a receiving side data processing device, disposed on the receiving side The above-mentioned receiving side data processing device pre-issues two cards respectively assigned a card number having a connection relationship to the recipient and the remitter, and the above-mentioned remittance side data processing device will include the above-mentioned remitter The remittance amount of the remittance amount and the remittance card number of the above-mentioned remitter is transmitted to the above-mentioned receiving side data processing device by using the international checkout processing network, and the remittance request request from the above recipient occurs together with the card number prompt of the above recipient The receiving side data processing device confirms that the card number of the recipient presented by the recipient is associated with the card number of the remitter included in the remittance material, and both parties have been confirmed. When the above card number has a connection relationship, permission is granted.

2010-4277-PF;ahddub.ptd 12858172010-4277-PF; ahddub.ptd 1285817

上述領取人於上述匯款金額範圍内之領取行為。 (2)在上述（1)之構成中，接收來自於上述匯款人之匯款及上述匯款人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置。 (3)在上述（1)之構成中，更包括有領取窗口，接收來自於上述領取人之上述匯款領取要求及上述領取人之卡片號碼提示，再將包含有上述領取人之卡片號碼的領取資料傳送至上述領取側資料處理裝置。 (4 )作為本發明的海外匯款系統之第1實施例之一變形例，執行從匯款側之國到領取側之國的匯款，包括·· 匯款侧資料處理裝置，設置於上述匯款侧之國；以及領取側資料處理裝置，設置於上述領取侧之國；上述領取側資料處理裝置係分別對領取人及匯款人預先發行2個分別被分派有具有聯結關係之卡片號碼的卡片，上述匯款侧資料處理裝置係將包含有上述匯款人所匯 =之匯款金額及上述匯款人之卡片號碼的匯款資料利際間結帳處理網路來傳送至上述領取侧資料處理裝置，上述領取侧資料處理裝置係僅將跟上述匯款^料 ::的上述匯㉟人之卡片t碼具有聯结關係之上述領：人 ::片號碼相對應之上述領取人的卡片之使用述匯款之金額。自力上 (5)在上述（4)之構成中，更包括有匯款窗口，接The above-mentioned recipient's collection within the scope of the above remittance amount. (2) In the above configuration (1), receiving the remittance from the remitter and the card number of the remitter, and including the remittance amount remitted by the remitter and the card number of the remitter The remittance data is transmitted to the above-mentioned remittance side data processing device. (3) In the above configuration (1), further comprising a receiving window, receiving the remittance request from the recipient and the card number prompt of the recipient, and then receiving the card number including the recipient The data is transmitted to the above-mentioned receiving side data processing device. (4) In a modification of the first embodiment of the overseas remittance system of the present invention, the remittance from the country on the remittance side to the country on the receiving side is performed, including the remittance side data processing device, and is installed in the country on the remittance side. And the receiving side data processing device is installed in the country on the receiving side; the receiving side data processing device issues two cards to the recipient and the remitter, respectively, to which a card number having a connection relationship is assigned, the remittance side The data processing device transmits the remittance information inter-bank settlement processing network including the remittance amount of the remittance by the remitter and the card number of the remitter to the receiving side data processing device, and the receiving side data processing device The above-mentioned collar of the card t code of the above-mentioned remittance of the above-mentioned remittance::::::: The amount of the remittance of the card of the above-mentioned recipient corresponding to the number of the repertoire. Self-reliance (5) In the composition of (4) above, it also includes a remittance window,

1285817 、發明說明（6) 收來自於上述匯款人之匯款及上述匯款人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置。 (6 )作為本發明的海外匯款系統之第1實施例之一變开> 例’執行從匯款側之國到領取侧之國的匯款，包括：匯款側資料處理裝置，設置於上述匯款側之國；以及領取側資料處理裝置，設置於上述領取側之國；上述領取側資料處理裝置係對領取人預先發行分派有卡片號碼之卡片，上述匯款側資料匯款金額及上述領取結帳處理網路來傳送當來自上述領取片號碼提示一起發生由上述領取人所提示資料中所包含的上述當已確認雙方之人於上述匯款金額範 (7 )在上述（6 收來自於上述匯款人將包含有上述匯款人片號碼的上述匯款資 (8 )在上述（6 收來自於上述領取人處理裝置人之卡片至上述領人之匯款時，上述的上述領領取人之上述卡片圍内之領 )之構成之匯款及所匯入之料傳送至 )之構成之上述匯係將包含有號碼的匯款取侧資料處領取要求跟領取側資料取人之卡片卡片號碼為匯款人所匯入之資料利用國際間理裝置，上述領取人之卡處理裝置即確認號碼跟上述匯款一致，號碼一致時，准許上述領取取行為。有匯款窗口，接之卡片號碼，再上述領取人之卡資料處理裝置。有領取窗口，接及上述領取人之中，更包括上述領取人匯款金額及上述匯款側中’更包括款領取要求1285817 , invention description (6) receiving the remittance from the above remitter and the card number of the remitter, and transmitting the above remittance data including the remittance amount remitted by the remitter and the remitter's card number to the above Remittance side data processing device. (6) As one of the first embodiments of the overseas remittance system of the present invention, the example 'executes' remittance from the country on the remittance side to the country on the receiving side includes: a remittance side data processing device, which is installed on the remittance side And the receiving side data processing device is installed in the country of the receiving side; the receiving side data processing device is a card in which the card number is pre-issued to the recipient, the remittance side data remittance amount and the above-mentioned receiving and billing processing network The road is transmitted when the above-mentioned recipient number reminder occurs together with the above-mentioned confirmed parties included in the above-mentioned recipient's information in the above-mentioned remittance amount (7) in the above (6 received from the above-mentioned remitters will contain The above-mentioned remittance fund (8) having the above-mentioned remittance person number is in the above-mentioned card enclosing area of the above-mentioned recipients when receiving the remittance from the card of the above-mentioned recipient processing device to the above-mentioned recipient. The above-mentioned bridging of the composition of the remittance and the materials transferred into it will be collected from the remittance information office containing the number. Request and collection side information The card to be picked up The card number is the information transferred by the remitter. The international processing device is used. The card processing device of the above-mentioned recipient is the same as the above-mentioned remittance. If the number is the same, the above-mentioned collection will be permitted. There is a remittance window, followed by the card number, and then the card data processing device of the above recipient. There is a receiving window, which includes the above-mentioned recipients, and includes the above-mentioned recipient's remittance amount and the above-mentioned remittance side's

1285817 五、發明說明（7) 〜卡片號碼提示，再將包含有上述領取人之卡片號碼的領取資料傳送至上述領取側資料處理裝置。 (9 )作為本發明的海外匯款系統之第1實施例之—變形例’執行從匯款侧之國到領取側之國的匯款，包括：匯款側資料處理裝置，設置於上述匯款侧之國；以及領取側資料處理裝置，設置於上述領取侧之國；上述領取側資料處理裝置係對領取人預先發行分派有卡片號碼之卡片，上述匯款侧資料處理裝置係將包含有匯款人所匯入之匯款金額及上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取侧資料處理裝置，上述領取側資料處理裝置係僅將跟上述匯款資料中所包含的上述領取人之卡片號碼相對應之上述領取人的卡片之使用額度增加上述匯款之金額。 (10)在上述（9)之構成中，接收來自於上述匯款人之匯款及上述領取人之卡片號碼’再將包含有上述匯款人所匯入之匯款金額及上述領取人之卡片號碼的上述匯款資料傳送至上述匯款侧資料處理裝置。 (11 )作為本發明的海外匯款系統之第1實施例之一變形例，執行從匯款側之國到領取侧之國的匯款，包括：匯款側資料處理裝置，設置於上述匯款側之國；以及領取側資料處理裝置，設置於上述領取侧之國；上述領取側資料處理裝置係對複數領取人預先發行分別分派有相異卡片號碼之複數之卡片，1285817 V. Invention Description (7) ~ The card number is displayed, and the receiving data including the card number of the above-mentioned recipient is transmitted to the receiving side data processing device. (9) The first embodiment of the overseas remittance system of the present invention - a modification of the remittance from the country on the remittance side to the country on the receiving side, including: a remittance side data processing device, which is installed in the country on the remittance side; And the receiving side data processing device is installed in the country on the receiving side; the receiving side data processing device pre-issues a card with a card number assigned to the recipient, and the remittance side data processing device includes the remittance The remittance amount of the remittance amount and the card number of the above-mentioned recipient is transmitted to the receiving side data processing device by using the international checkout processing network, and the receiving side data processing device only refers to the above-mentioned recipient included in the above remittance data. The amount of the above-mentioned recipient's card corresponding to the card number is increased by the amount of the above remittance. (10) In the configuration of (9) above, the receiving the remittance from the remitter and the card number of the recipient is further included in the remittance amount remitted by the remitter and the card number of the recipient The remittance data is transmitted to the above-mentioned remittance side data processing device. (11) In a modification of the first embodiment of the overseas remittance system of the present invention, the remittance from the country on the remittance side to the country on the receiving side is performed, including: a remittance side data processing device, which is installed in the country on the remittance side; And the receiving side data processing device is installed in the country of the receiving side; the receiving side data processing device pre-issues a plurality of cards respectively assigned different card numbers to the plurality of recipients.

2010-4277-PF;ahddub.ptd 第13頁 1285817 五、發明說明（8) 上述匯款侧資料處理裝置係將包含有就匯款人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置，當來自上述領取人之匯款領取要求跟上述領取人之卡片號碼提示一起發生時，上述領取侧資料處理裝置即確認由上述領取人所提示的上述領取人之卡片號碼跟上述匯款資料中所包含的1或複數上述領取人之卡片號碼中之一者為一致，當已確認上述一致時，准許已提出領取要求之上述領取人於該領取人之可領取金額範圍内之領取行為。 (12) 在上述（11)之構成中，接收來自於上述匯款人之匯款及一或複數上述領取人之卡片號碼，再將包含有就上述匯款人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置。 (13) 在上述（11)之構成中，更包括有領取窗口，接收來自於上述領取人之上述匯款領取要求及上述領取人之卡片號碼提示，再將包含有上述領取人之卡片號碼的領取資料傳送至上述領取側資料處理裝置。 (1 4 )作為本發明的海外匯款系統之第1實施例之一變形例’執行從匯款側之國到領取侧之國的匯款，包括：匯款側資料處理裝置，設置於上述匯款侧之國；以及領取侧資料處理裝置，設置於上述領取側之國；2010-4277-PF; ahddub.ptd Page 13 1285817 V. Description of invention (8) The above-mentioned remittance side data processing device will contain 1 or a plurality of recipients for remittances remitted by the remitter The amount of money and one or more remittance data of the above-mentioned recipient's card number are transmitted to the above-mentioned receiving side data processing device using the international checkout processing network, and the remittance request from the above recipient is accompanied by the card number of the above recipient. At the time of occurrence, the receiving side data processing device confirms that the card number of the recipient presented by the recipient is consistent with one of the card numbers of the plurality of recipients included in the money transfer data, When confirming the above agreement, the above-mentioned recipient who has received the request is allowed to receive the payment within the range of the recipient's receivable amount. (12) In the composition of (11) above, the remittance from the remitter and one or more card numbers of the above-mentioned recipients are received, and 1 or more of the remittances remitted by the remitter are included The above-mentioned remittance data of the amount that the recipient can receive and one or more of the card numbers of the above-mentioned recipients are transmitted to the above-mentioned remittance side data processing device. (13) In the above configuration (11), further comprising a receiving window, receiving the remittance request from the recipient and the card number prompt of the recipient, and then receiving the card number including the recipient The data is transmitted to the above-mentioned receiving side data processing device. (1) A modification of the first embodiment of the overseas remittance system of the present invention 'execution of remittance from the country on the remittance side to the country on the receiving side, including: a remittance side data processing device, which is installed in the country on the remittance side And the receiving side data processing device, which is installed in the country of the receiving side;

2010-4277-PF;ahddub.ptd 12858172010-4277-PF; ahddub.ptd 1285817

上述領取側資料處理裝置係對複數領取人預先發行分派有卡片號碼之卡片，上述匯款側資料處理裝置係將包含有就匯款人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取侧資料處理裝置， -上述領取側資料處理裝置係僅將跟上述匯款資料中所包含的1或複數上述領取人之卡片號碼相對應之各個上述領取人的卡片之使用額度增加上述匯款之金額。 (15) 在上述（14)之構成中，更包括有匯款窗口，接收來自於上述匯款人之匯款及一或複數上述領取人之卡片號碼’再將包含有就上述匯款人所匯入之匯款而言之1 或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置。 (16) 在上述（1)〜（15)之任一構成中，基於上述匯款資料之匯款處理係利用國際間結帳處理網路從上述匯款侧資料處理裝置至上述領取側資料處理裝置來進行。 (1 7 )作為本發明的海外匯款系統之第2實施例，執行從匯款侧之國到領取侧之國的匯款，包括：匯款侧資料處理裝置，設置於上述匯款侧之國；以及領取側資料處理裝置，設置於上述領取侧之國；當來自於匯款人之匯款匯入時，上述匯款側資料處理裝置即於發行已分派有卡片號碼之卡片的同時通知領取人The receiving side data processing device pre-issues a card with a card number assigned to the plurality of recipients, and the remittance side data processing device includes one or a plurality of recipients respectively receivable for the remittance remitted by the remitter The remittance data of the amount and one or more of the card numbers of the above-mentioned recipients are transmitted to the receiving side data processing device using the international checkout processing network, and the receiving side data processing device is only included in the above remittance data. 1 or the amount of the card of each of the above-mentioned recipients corresponding to the card number of the above-mentioned recipient increases the amount of the above remittance. (15) In the composition of (14) above, a remittance window is further included, and the remittance from the remitter and one or more card numbers of the above recipients are received, and the remittances remitted by the remitter may be included. In the case of 1 or a plurality of recipients, the above-mentioned remittance data of one or more of the above-mentioned recipient's card numbers is transmitted to the above-mentioned remittance side data processing device. (16) In any one of the above (1) to (15), the remittance processing based on the remittance data is performed from the remittance side data processing device to the receiving side data processing device by using an international checkout processing network. . (1) The second embodiment of the overseas remittance system of the present invention performs remittance from the country on the remittance side to the country on the receiving side, including: a remittance side data processing device, a country installed on the remittance side; and a receiving side The data processing device is disposed on the receiving country; when the remittance from the remitter is remitted, the remittance side data processing device notifies the recipient at the same time that the card having the card number is distributed

2010-4277-PF;ahddub.ptd 第15頁 1285817 五、發明說明（12) 結帳處理網路置，上述加盟上述匯款金額店號碼相對應 (23 )在接收來自於上碼，再將包含碼的資料傳送 (24 )在接收來自於上設資料傳送至 (25 )在虛擬加盟店戶 (26 )在述支付資料之匯款側資料處 (27 )作行從匯款側之設置步驟料處理裝置以理裝置；預先發行取人及匯款人2010-4277-PF; ahddub.ptd Page 15 1285817 V. Invention Description (12) Checkout processing network, the above-mentioned joining the above-mentioned remittance amount shop number corresponding (23) in receiving from the above code, and then including the code The data transmission (24) is carried out by receiving the data from the setting data to (25) at the remittance side data section (27) of the payment information in the virtual franchise store household (26), and performing the setting processing device from the remittance side. Device; pre-issued person and sender

將上述支付資料傳送$卜；十、I 哥迗至上述加盟店管理裝店官理裝置’即將上嫌Φ朴次1丨丨灯上攻支付資料中所包含之匯入於跟上述支付資料中 4貝付T所包含之上述加盟之上述虛擬加盟店戶頭。上述尸2)之構成中，t包括有匯款窗口，述匯款人之匯款及匯款前之上述加盟店號有上述匯认人所匯入之金額及上述加盟店號至上述匯款侧資料處理裝置。上述（22)之構成中，更包括有領取窗口，述虛擬加盟店戶頭之開設要求，再將戶頭開上述加盟店管理裝置。上述（22)之構成中，更包括有用以由上述頭進行提領動作之領取窗口。上述（22 )〜（25 )之任一構成中，基於上匯款處理係利用國際間結帳處理網路從上述理裝置至上述加盟店管理裝置來進行。為本發明的海外匯款方法之第1實施例，執國到領取側之國的匯款，包括下列步驟：，设置在上述匯款側之國所設置的匯款側資及在上述領取側之國所設置的領取侧資料處步驟，上述領取侧資料處理裝置係分別對領預先發行2個分別被分派有具有聯結關係之The above payment data will be transferred to the above payment information; 10, I 迗迗 to the above-mentioned franchise store management equipment store official device 'will be suspected Φ 朴丨丨 1 丨丨上上上支付支付支付于The above-mentioned virtual franchise account of the above-mentioned affiliates included in the 4th Pay T. In the composition of the corpse 2), t includes a remittance window, and the remittance of the remitter and the franchise store number before the remittance have the amount remitted by the remittance person and the franchise store number to the remittance side data processing device. In the configuration of the above (22), the receiving window is further included, and the virtual franchise store account is required to be opened, and the franchise management device is opened. Further, in the configuration of the above (22), a receiving window for performing the pulling operation by the above-described head is further included. In any one of the above (22) to (25), the above-described remittance processing system is performed from the above-described management device to the affiliate store management device by using the international checkout processing network. In the first embodiment of the overseas remittance method of the present invention, the remittance from the country of the country to the receiving side includes the following steps: setting the remittance side set by the country on the remittance side and setting the country on the receiving side In the receiving side data processing step, the above-mentioned receiving side data processing device is separately distributed to the pre-issued two, respectively, which are assigned to have a connection relationship.

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1285817 五、發明說明（13) 卡片號碼的傳送步匯款人所匯資料利用國理裝置；確認步領取人之卡裝置即確認跟上述匯款有聯結關係准許領結關係時，行為。 (28 ) 口之步驟；之匯款及上所匯入之匯料傳送至上 (29 ) 口之步驟；之上述匯款包含有上述側資料處理 (30 ) 卡片；驟，上述匯款側資料處理裝置係將入之匯款金額及上述匯款人之卡片際間結帳處理網路來傳送至上述領驟，當來自上述領取人之匯款領取片號碼提示一起發生時，上述領取由上述領取人所提示的上述領取人資料中所包含的上述匯款人之卡片 ;以及取步驟’當已確認雙方之上述卡片准許上述領取人於上述匯款金額範在上述（27)之構成中，更包括：以及上述匯款窗口，係接收來自於述匯款人之卡片號碼，再將包含有款金額及上述匯款人之卡片號碼的述匯款側資料處理裝置之步驟。在上述（27)之構成中，更包括：以及上述領取窗口，係接收來自於領取要求及上述領取人之卡片號碼領取人之卡片號碼的領取資料傳裝置之步驟。、作為本發明的海外匯款方法之第j与包含有上述號碼的匯款取側資料處要求跟上述侧資料處理之卡片號碼號碼之間具號碼具有聯圍内之領取設置匯款窗上述匯款人上述匯款人上述匯款資設置領取窗上述領取人提示，再將至上述領取「施例之一 1285817 五、發明說明（14) 變形例’執行從匯款側之國到領取側之國的匯款’包括下列步驟：設置步驟，設置在上述匯款侧之國所設置的匯款側資料處理裝置以及在上述領取側之國所設置的領取侧資料處理裝置；預先發行步驟，上述領取側資料處理裝置係分別對領取人及匯款人預先發行2個分別被分派有具有聯結關係之卡片號碼的卡片；1285817 V. INSTRUCTIONS (13) The transmission step of the card number The data collected by the remitter is used by the national device; the confirmation step is the card of the recipient. The device is confirmed to be associated with the above remittance. (28) the steps of the mouth; the transfer of the remittance and the incoming remittance to the upper (29); the remittance includes the above-mentioned side data processing (30) card; The incoming remittance amount and the above-mentioned remitter's inter-card settlement processing network are transmitted to the above-mentioned leader, and when the remittance receiving piece number prompt from the above-mentioned recipient occurs together, the above-mentioned receiving is prompted by the above-mentioned recipient The card of the above-mentioned remitter included in the person's data; and the step of 'receiving the above-mentioned cards of the two parties to the above-mentioned recipients in the above-mentioned composition (27), including: and the above-mentioned remittance window Receiving the card number from the remittance party, and then including the credit amount and the card number of the remittance party, the steps of the remittance side data processing device. In the above configuration (27), the method further includes: and the receiving window is a step of receiving a data transfer device from the card number of the recipient and the card number of the recipient. The jth of the overseas remittance method of the present invention and the remittance side data section including the above number are required to have a number in the connection with the card number number of the side data processing, and the remittance of the remittance mentioned above. The above-mentioned remittance of the above-mentioned recipients will be provided to the above-mentioned recipients, and then the following steps will be taken to receive the above-mentioned "One of the examples 1285817 V. The invention description (14) Variant 'Execution of remittance from the country on the remittance side to the country on the receiving side' : a setting step of providing a remittance side data processing device installed in the country on the remittance side and a receiving side data processing device provided in the country on the receiving side; a pre-issuing step, the receiving side data processing device separately receiving the person And the remitter pre-issued two cards respectively assigned a card number having a connection relationship;

傳送步驟’上述匯款侧資料處理裝置係將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取侧資料處理裝置；以及增加使用額度步驟，上述領取側資料處理裝置係僅將跟上述匯款資料中所包含的上述匯款人之卡片號碼具有聯結關係之上述領取人的卡片號碼相對應之上述領取人的卡片之使用額度增加上述匯款之金額。The transfer step 'the remittance side data processing device transmits the remittance data including the remittance amount and the remittance card number of the remittance to the receiving side data processing device by using an international checkout processing network; And the step of increasing the usage quota, wherein the receiving side data processing device only uses the card number of the recipient corresponding to the card number of the recipient who has a connection relationship with the card number of the remitter included in the remittance data. Increase the amount of the above remittance.

(31)在上述（30)之構成中，更包括：設置匯款窗口之步驟，以及上述匯款窗口，係接收來自於上述匯款人之匯放及上述匯款人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的上述匯款資料傳送至上述匯款侧資料處理裝置之步驟。 ^ ( 32 )作為本發明的海外匯款方法之第1實施例之一變形例，執行從匯款侧之國到領取側之國的匯款，包括列步驟：(31) The composition of (30) above, further comprising: a step of setting a remittance window, and the remittance window receiving the card number from the remitter and the card number of the remitter, and then including the remittance The above-mentioned remittance data of the remittance amount remitted by the person and the card number of the remitter is transmitted to the remittance side data processing device. (32) As one of the first embodiments of the overseas remittance method of the present invention, a remittance is executed from the country on the remittance side to the country on the receiving side, including the steps of:

1285817 ----------- 五、發明說明（15) ^ 設置步驟，設置在上述匯款側之國所設置的匯款側資料處理裝置以及在上述領取侧之國所設置的領取側資料處理裝置；預先發行步驟，上述領取側資料處理裝置係對領取人預先發行分派有卡片號碼之卡片；傳送步驟’上述匯款側資料處理裝置係將包含有匯款人所匯入之匯款金額及上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置；確認步驟’當來自上述領取人之匯款領取要求跟上述領取人之卡片號碼提示一起發生時，上述領取側資料處理裝置即確说由上述領取人所提示的上述領取人之卡片號碼跟上述匯款資料中所包含的上述領取人之卡片號碼為一致；以及准許領取步驟，當已確認雙方之上述卡片號碼一致時’准許上述領取人於上述匯款金額範圍内之領取行為。 (33) 在上述（32)之構成中，更包括：設置匯款窗口之步驟；以及上述匯款窗口，係接收來自於上述匯款人之匯款及上述領取人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述領取人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置之步驟。 (34) 在上述（32)之構成中，更包括：設置領取窗口之步驟；以及上述領取窗口，係接收來自於上述領取人之上述匯款領取要求及上述領取人之卡片號碼提示，再將 2010-4277-PF;ahddub.p t d 第21頁 12858171285817 ----------- V. Description of the invention (15) ^ The setting procedure is to set the remittance side data processing device set in the country on the remittance side and the receiving side set in the country on the receiving side. a data processing device; a pre-issuing step, the receiving side data processing device pre-issuing a card with a card number assigned to the recipient; the transmitting step 'the remittance side data processing device includes the amount of the remittance remitted by the remitter and the above The remittance data of the recipient's card number is transmitted to the receiving side data processing device by using the international checkout processing network; the confirmation step 'When the remittance request from the recipient is accompanied by the card number prompt of the above recipient, The receiving side data processing device does say that the card number of the recipient indicated by the recipient is the same as the card number of the recipient included in the remittance information; and the permitting step, when both parties have been confirmed When the card number is the same, 'permit the recipient's collection within the above remittance amount(33) In the above (32), the method further includes: a step of setting a remittance window; and the remittance window receiving the remittance from the remitter and the card number of the recipient, and then including the remitter The above-mentioned remittance data of the remittance amount and the card number of the above-mentioned recipient are transmitted to the above-mentioned remittance side data processing device. (34) The configuration of (32) above, further comprising: a step of setting a receiving window; and the receiving window receiving the remittance request from the recipient and the card number prompt of the recipient, and then 2010 -4277-PF; ahddub.ptd Page 21 1285817

包含有上述領取人之卡片號碼的領取資料傳送至上述領取側資料處理裝置之步驟。 ^ ，（35 )作為本發明的海外匯款方法之第1實施例之一、灸形例’執行從匯款侧之國到領取側之國的匯款，包括下列步驟：、’ 设置步驟，設置在上述匯款側之國所設置的匯款側資料處理裝置以及在上述領取側之國所設置的領取側資料處理裝置；預先發行步驟，上述領取側資料處理裝置係對領取人預先發行分派有卡片號碼之卡片；傳送步驟’上述匯款側資料處理裝置係將包含有匯款人所匯入之匯款金額及上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置；以及增加使用額度步驟，上述領取側資料處理裝置係僅將跟上述匯款資料中所包含的上述領取人之卡片號碼相對應之上述領取人的卡片之使用額度增加上述匯款之金額。 (36)在上述（35)之構成中，更包括：設置匯款窗口之步驟；以及上述匯款窗口，係接收來自於上述匯款人之匯款及上述領取人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述領取人之卡片號碼的上述匯款資料傳送至上述匯款侧資料處理裝置之步驟。 (37 )作為本發明的海外匯款方法之第1實施例之一變形例’執行從匯款側之國到領取側之國的匯款，包括下The receiving data including the card number of the above-mentioned recipient is transmitted to the above-mentioned receiving side data processing device. ^, (35) As one of the first embodiments of the overseas remittance method of the present invention, the moxibustion example 'executing remittance from the country on the remittance side to the country on the receiving side includes the following steps: ', the setting procedure is set in the above a remittance side data processing device installed in the country on the remittance side, and a receiving side data processing device installed in the country on the receiving side; a pre-issuing step, the receiving side data processing device pre-issuing a card with a card number assigned to the recipient The transfer step 'the above-mentioned remittance side data processing device transmits the remittance data including the remittance amount remitted by the remitter and the card number of the recipient to the receiving side data processing device using the international checkout processing network; And the step of increasing the usage amount, wherein the receiving side data processing device increases the amount of the card of the recipient corresponding to the card number of the recipient included in the money transfer data by the amount of the remittance. (36) The composition of (35) above, further comprising: a step of setting a remittance window; and the remittance window receiving the remittance from the remitter and the card number of the recipient, and then including the remitter The above-mentioned remittance data of the remittance amount and the card number of the above-mentioned recipient are transmitted to the above-mentioned remittance side data processing device. (37) As one of the first embodiments of the overseas remittance method of the present invention, a modification "executes remittance from the country on the remittance side to the country on the receiving side, including

2010-4277-PF;ahddub.p t d 第22頁 1285817 五、發明說明（17) 列步驟：、設置步驟’設置在上述匯款侧之國所設置的匯款側資料處理裝置以及在上述領取側之國所設置的領取側資料處理裝置；預先發行步驟’上述領取側資料處理裝置係對複數領取人預先發行分別分派有相異卡片號碼之複數之卡片；傳送步驟’上述匯款侧資料處理裝置係將包含有就匯款人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取侧資料處理裝置；碟認步驟’當來自上述領取人之匯款領取要求跟上述領取人之卡片號碼提示一起發生時，上述領取側資料處理裝置即確認由上述領取人所提示的上述領取人之卡片號碼跟上述匯款資料中所包含的丨或複數上述領取人之卡片號碼中之一者為一致；以及准許領取步驟，當已確認上述一致時，准許已提出領取要求之上述領取人於該領取人之可領取金額範圍内之領取行為。 (38)在上述（37)之構成中，更包括··設置匯款窗口之步驟；以及上述匯款窗口，係接收來自於上述匯款人之匯款及一或複數上述領取人之卡片號碼，再將包含有就上述匯款人所匯入之匯款而言之丨或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的上述匯款資料傳送至上述匯款侧資料處理裝置之步驛。 12858172010-4277-PF; ahddub.ptd Page 22 1285817 V. Invention description (17) Column steps: Steps: Set the remittance side data processing device set in the country on the remittance side and the country on the receiving side The receiving side data processing device provided; the pre-issuing step 'the receiving side data processing device pre-issuing a plurality of cards respectively assigned different card numbers to the plurality of recipients; the transmitting step 'the remittance side data processing device will include For the remittances remitted by the remitter, the amount of money that can be collected by one or more recipients and the remittance information of one or more of the recipient's card numbers are transmitted to the receiving side data processing using the international checkout processing network. The device discarding step 'when the remittance request from the above-mentioned recipient occurs together with the card number prompt of the above-mentioned recipient, the receiving side data processing device confirms the card number of the above-mentioned recipient prompted by the recipient One of the card numbers of the above-mentioned recipients included in the remittance information is the same And permission to receive step, when it has been confirmed that the above-mentioned agreement, permit the collar has been proposed to take in the collar of the above-mentioned requirements take recipients to receive a person can receive the amount range behavior. (38) In the configuration of (37) above, further comprising: a step of setting a remittance window; and the remittance window receiving a remittance from the remitter and one or more card numbers of the recipients, and then including There is a step of transmitting the above-mentioned remittance data of the amount or the card number of one or more of the above-mentioned recipients to the above-mentioned remittance side data processing device in respect of the remittance remitted by the remittance person. 1285817

(39)在上述（37)之構成中，更包括：設置領取窗口之步驟；以及上述領取窗口，係接收來自於上述領取人之上述匯款領取要求及上述領取人之卡片號碼提示，再將包含有上述領取人之卡片號碼的領取資料傳送至上述領取侧資料處理裝置之步驟。 ▲ ( 4 0 )作為本發明的海外匯款方法之第1實施例之一變形例’執行從匯款側之國到領取側之國的匯款，包栝下列步驟： ” 没置步驟，設置在上述匯款側之國所設置的匯款側資料處理裝置以及在上述領取側之國所設置的領取側資料處理裝置；預先發行步驟，上述領取側資料處理裝置係對複數領取人預先發行分派有卡片號碼之卡片；傳送步驟，上述匯款側資料處理裝置係將包含有就匯款人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的匯款資料利用國防間結帳處理網路來傳送至上述領取侧資料處理裝置；以2 增加使用額度步驟，上述領取側資料處理裝置係僅跟上述匯款資料中所包含的1或複數上述領取人之卡片號碼相對應之各個上述領取人的卡片之使用額度增加上述; (41)在上述（40)之構成中，更包括：設置匯款口之步驟；以及上述匯款窗口，係接收來自於上述匯款人之匯款及一或複數上述領取人之卡片號碼，再將包含^(39) The configuration of (37) above, further comprising: a step of setting a receiving window; and the receiving window receiving the remittance request from the recipient and the card number prompt of the recipient, and then including The receiving data of the card number of the above-mentioned recipient is transmitted to the above-mentioned receiving side data processing device. ▲ (40) A modification of the first embodiment of the overseas remittance method of the present invention 'execute the remittance from the country on the remittance side to the country on the receiving side, including the following steps: ” No step, set in the above remittance a remittance side data processing device installed in the country of the side and a receiving side data processing device installed in the country on the receiving side; a pre-issuing step, the receiving side data processing device pre-issuing a card with a card number to a plurality of recipients In the transfer step, the above-mentioned remittance side data processing device uses the amount of money that can be collected by one or more recipients for the remittance remitted by the remitter and the remittance data of one or more of the recipient's card numbers. The checkout processing network is transmitted to the receiving side data processing device; and the receiving side data processing device only corresponds to the card number of the plurality of recipients included in the remittance data. The use quota of each of the above-mentioned recipients is increased as described above; (41) In the composition of the above (40), the method further includes: The step counter transfer port; and said transfer window, provided for receiving the remittance from the remitter to the above, and one or a plurality of the above-described card number of recipients, then contain ^

1285817 五、發明說明（23) 結帳處理網路」為「國際間結帳處理網路」。以世界性規模經營事章盟店，***會員在其加；：在”皆有加物等。:時，***結帳業務： = ==亍購 (9 )的流程來進行。 …、弟5圖之U )〜 •第5圖之處理流程（丨）〜（g ) ”：‘用卡會員在加盟店購入商品等。 (2)加盟店，對加盟店管理者提出銷售額。加盟店官理者’則負擔加盟店招募、加盟店管理（人店之間）等。、异業務（國際間結帳處理網路及加盟 (3 )加盟店管理者，對由加盟店所提出之銷售額支付商品貨款等。又 (4 )加盟店官理者，對國際間結帳處理網路傳送售額資料。國際間結帳處理網路，係擔任加盟店管理者及卡片發行者之間媒介的任務。例如，關於國際間之***結帳業務，其乃介於卡片·發行者及加盟店管理者之間而提供可使上述者之間順暢地進行資料授受之系統，亦可進行伴隨著國際間結帳而來之通貨換算處理或手續費處理。進而，亦仲介用以進行加盟店及卡片發行者之間之信用販售而在事前檢查卡片所有者之販售授信額度之授信檢查手續。 (5 )國際間結帳處理網路，對應銷售額資料而進行 2010-4277-PF;ahddub.ptd 第29頁 1285817 五、發明說明（24) 跟加盟店管理者之間的精算。 (6 )國際間結帳處理網資料。對卡片發行者傳送請求卡片發行者，係擔任作一含授信檢查手續）、精算^ X仃、卡片資訊管理（包盟店之間）等。 ”（國際間結帳處理網路及加網路』y精V。發行者’對應銷售額而對國際間結帳處理 (8)卡片發行者，對卡片會員進 (9 )卡片會員，對來自一"月’ 付（銀行扣款等）。；订者之請求進行支本發明之海外匯款系統及方法際間結帳處理網路非用以利用於一般寺二，即^令國海外匯款。本發明之海外匯款系 =用；二：用於在此Ϊ 或個人與法人之間的海外匯款。現金移動）」，並非代表匯款人所匯移動之至領取人處。在今曰，金融機關間之結帳= J J = 正的現金移動，大多數情況下實際上 '真金移動或電子資料記錄上之現金移動。特^書面上之現中由於係進行國際間之「現金移動」，故A:二ft發明算等之必要。因此，在本說明書中之「匯欠幣換移動，實際上是指金錢價值之移動。处」、現金在以下之各實施例中，進行「卡片（或卡片號碼）之 2010-4277-PF;ahddub.ptd I義第30頁 1285817 五、發明說明（25) 發行y時的「卡片」，無論是在實際卡片及虛擬卡片一情況下皆非指一般的***，亦非一般的銀行卡。统：二^，乃是指具備有用以使用於本發明之海；匯秋糸統及方法之功能的卡片。然而，當然可任意跟一 ==二卡或銀行卡一體化，而作成具備有雙方功能之多二其次，參照第1圖〜第3圖，就本發明之海外匯及方法之各實施例來進行說明。 τ 、、、、 <第1實施例> 第1圖係表示本發明海外匯款系統及方法之之概略結構圖。圖中，S1~S8係表示主要處理步驟之法' 程。首先，就主要構成要素及上述等之功能進行說明^ f匯款人29進行匯現金手續之匯款側之國係款側處理機關21，而在領取人39領取已匯現金（或與K 金錢價值）之領取側之國係存在有領取側處理機^ 匯款侧處理機關21 ’其概念包括：本發系統及方法中參與作為匯款側之功能的公司卜^ =於上述者等或設置於上述者之間的裝置及系 (包含硬體及軟體等）。九夸料产：；接m22 ’係發揮作為匯款侧處理機關21之資科處理中心的功此’在匯款接收公司22係設置腦之匯款側資料處理裝置23。更進一步，亦設置有可跟^ 第31頁 2010-4277-PF;ahddub.ptd 1285817 五、發明說明（26) ==裝置23連動、且必要時對應儲存相關資料之 :裝置的資料庫24。另外’匯款侧資料處理裝置23 一4，係模式化地以用以執行本發明之功能之硬體 ^樣化之結構考^實際的^統^構則可&於f知技術而有 =匯款接收公司22之例而言，可舉例如：該領域中之國際***公司、卡片發行者、加盟店管理者等。另外， $有在本發明之系統及方法中之複數功能由一事業體來擔當之情況。上述之「國際***公司」及後述之「匯款接收公司」亦同。开 /各個複數匯款窗口 2 5，係使用海外匯款之匯款人用以，行匯款手續之窗口。各匯款窗口 2 5，係設置有匯款接收公司22及可傳送資訊的資訊終端機裝置26。亦即，匯款窗口 2 5之實體為資訊終端機裝置2 6，即適當的電腦。資訊終端機裝置26，係就匯款人所匯入的現金進行匯入處理，且將由匯款人提示之匯款所必須的資訊輸入作為資料。另外’資訊終端機裝置26以外的電話、fax (傳真機）或文書之資訊傳送，亦皆包含於本發明之實施例中。以匯款窗口 2 5之例而言，係包括：設置於匯款接收公司22之本店或營業所等之營業窗口或者是ATM (自動提款裝置）、匯款接收公司2 2之往來機關（銀行等）之營業窗口或ATM等。此處所謂的銀行之營業窗口，並非習知之海外匯款專用窗口’而是一般的營業窗口。又，以ATM的設置場所來說，不僅是銀行等之金融機關，也包含便利商店1285817 V. Invention Description (23) The Checkout Processing Network is the "International Checkout Processing Network". In the world-scale operation of the chapter of the League store, credit card members in it;: in the "all have added goods..:, credit card checkout business: = == purchase (9) process to carry out. ..., brother 5 Figure U)~ • Process flow of Figure 5 (丨)~(g) ”: 'Use card members to purchase goods at the franchise store. (2) Affiliate store, propose sales to the franchise manager. The franchise manager will be responsible for franchise recruitment, franchise management (between stores). , different business (international checkout processing network and joining (3) franchise store managers, paying for goods sold by the franchise stores, etc.. (4) franchise store officials, checkout internationally Handling network transmission sales data. The international checkout processing network is the task of media between the franchise manager and the card issuer. For example, regarding the international credit card checkout business, it is between the card issuer. Between the franchise manager and the franchise manager, a system for smoothly transferring data between the above-mentioned parties can be provided, and the currency conversion processing or the handling fee processing can be performed along with the international checkout. Credit check between the franchise store and the card issuer to check the credit limit of the card owner's credit line beforehand. (5) International checkout processing network, corresponding to sales data 2010-4277- PF; ahddub.ptd Page 29 1285817 V. Invention Description (24) Actuarial calculations with franchise managers. (6) International checkout processing network information. , the department acts as a credit check procedure, actuarial ^ X仃, card information management (between the clubs). (International checkout processing network and network) y fine V. Issuer's corresponding to sales and international settlement (8) card issuer, card member (9) card member, pair from One "month' payment (bank deduction, etc.); The request of the subscriber to carry out the invention of the sea remittance system and method Inter-checkout processing network is not used for general temple two, that is, the national remittance The sea remittance system of the present invention is used; the second is used for remittance between the individual or the legal person. The cash movement) does not mean that the remittance person moves to the recipient. In the future, the checkout between financial institutions = J J = positive cash movements, in most cases, the actual movement of cash in real money or electronic data records. In particular, it is necessary to use A: two ft inventions in order to carry out international "cash movement". Therefore, in the present specification, "the exchange of currency exchanges, in fact, refers to the movement of the value of money.", in the following embodiments of the cash, the "card (or card number) of 2010-4277-PF; Ahddub.ptd I. 30:1285817 V. Invention Description (25) The "card" issued at the time of y, regardless of the actual card and virtual card, is not a general credit card, nor a general bank card.统: 二^, refers to a card that has the function of being used in the sea of the present invention; However, of course, it is possible to integrate with one == two cards or bank cards, and to create two functions with both functions. Referring to FIGS. 1 to 3, the embodiments of the sea foreign exchange and method of the present invention are Be explained. τ, , , , <First Embodiment> Fig. 1 is a schematic block diagram showing a sea remittance system and method of the present invention. In the figure, S1~S8 represent the main process steps. First, the main components and the above-mentioned functions are explained. ^ The remitter 29 performs the remittance side of the remittance side of the remittance side processing unit 21, and the recipient 39 receives the remitted cash (or K value) In the country of the receiving side, there is a receiving side processor ^ the remittance side processing means 21', and the concept includes: a company participating in the function of the remittance side in the system and method of the present invention, and the above-mentioned person or the like Devices and systems (including hardware and software). In the remittance receiving company 22, the remittance side data processing device 23 is installed in the remittance receiving company. Further, there is also a device that can be associated with the device. Page 31 2010-4277-PF; ahddub.ptd 1285817 V. Invention Description (26) == Device 23 is linked, and if necessary, corresponding to the storage of related data: the device database 24. In addition, the 'remote side data processing device 23 to 4 is structured to perform the hardware structure of the function of the present invention, and the actual structure can be < Examples of the money transfer receiving company 22 include, for example, an international credit card company, a card issuer, and a franchise manager in the field. In addition, there are cases in which the plural functions in the system and method of the present invention are carried out by a business. The above-mentioned "International Credit Card Company" and the "Remittance Receiving Company" mentioned later are also the same. Open / each multiple remittance window 2 5, is the window for the remittance procedure used by the remittance person using the remittance of the sea. Each remittance window 2 5 is provided with a remittance receiving company 22 and an information terminal device 26 capable of transmitting information. That is, the entity of the remittance window 25 is the information terminal device 2, that is, a suitable computer. The information terminal device 26 performs the import processing on the cash sent by the remitter, and inputs the information necessary for the remittance prompted by the remitter as the data. Further, information transmission of a telephone, a fax (fax machine) or a document other than the information terminal device 26 is also included in the embodiment of the present invention. In the case of the remittance window 25, it includes: a business window installed in the store or business office of the remittance receiving company 22, or an ATM (automatic withdrawal device), a remittance receiving company 2 (a bank, etc.) Business window or ATM. The so-called bank business window here is not a general window for foreign exchange remittances, but a general business window. In addition, in the place where the ATM is installed, it is not only a financial institution such as a bank but also a convenience store.

2010-4277-PF;ahddub.ptd 第32頁 1285817 五、發明說明（29) 之國的匯款領取公司3 2 公司3 2所設及卡片管理之真實卡片及44 ，係分一實施例中，係將包含記錄儲存於實體之卡片較佳者為利記錄。當為取人39則僅方便起見所識別標誌即領取公司3 2所係至少具有作置的領取側資等之處理。卡，亦可為不具別分派有相互 ’亦可為相同有上述之卡片資料庫34内。時，被分派之用磁場或光學不具物理性實知道自己各自稱的「卡片號可，並不限定 1、戈之則，先接受來自於領取側 ::的卡片42、44。此時，匯款 :_片發行者之功能。匯款領取 H二理裝置5 1 ’即執行卡片發行、44，可為具有物理性實體物理性實體之虛擬卡片。卡片42 間具有聯結關係之卡片號碼。在的號碼。領取侧資料處理裝置51 號碼及其之聯結關係的卡片發行又，當卡片42、44為具有物理性卡片號碼乃記錄於其之卡片内。性方式以可為電腦讀取之方式來體之虛擬卡片時，匯款人29及領被分派到的卡片號碼。又，為了碼」’只要是卡片所有者固有的於數字，亦可包含文字、記號等以利用第1實施例的情形而言，假定有例如：從領取側之國外出至匯款側之國的人（匯款人），欲匯款給位在領取侧之國的家人（領取人）。此時，匯款人在來到匯款側之國前’先於領取側之國中取得由匯款領取公司3 2發行之卡片42、44。然後，來到匯款側之國，匯款人29使用發行之卡片（或卡片號碼）44對位在領取側之國的領取人39 匯款。位在領取侧之國的領取人3 9，即可用另外一張卡片 (或卡片號碼）4 2來領取上述匯款。2010-4277-PF; ahddub.ptd Page 32 1285817 V. Inventions (29) The country's remittance collection company 3 2 company 3 2 real card and card management and 44, in one embodiment, Preferably, the card containing the record stored in the entity is a profit record. In the case of the pick-up 39, it is only convenient to pick up the identification mark, that is, to receive the processing of the company's 32% at least the receiving side. Cards may also be assigned to each other without being assigned to each other. At the time, the assigned magnetic field or optical is not physically known to know what they call the "card number. If it is not limited to 1, the first one, accept the cards 42 and 44 from the receiving side:: At this time, remittance :_ The function of the film issuer. The remittance collection H two-way device 5 1 'is the execution of the card issue, 44, which can be a virtual card with a physical entity physical entity. The card 42 has a card number of the connection relationship. The card issuance side data processing device 51 number and the connection relationship of the card is issued, when the cards 42, 44 are physically card numbers recorded in the card. The sexual mode can be read by the computer. In the case of the virtual card, the remitter 29 and the card number to which the collar is assigned, and the code "" as long as the card owner is unique to the number, may include characters, symbols, etc., in the case of the first embodiment. It is assumed that there is, for example, a person (remender) who is from the foreign country on the receiving side to the country on the remittance side, and wants to send money to the family (recipient) of the country in the receiving side. At this time, the remitter receives the cards 42 and 44 issued by the remittance company 3 2 before the country on the side of the remittance side. Then, to the country on the remittance side, the remitter 29 uses the issued card (or card number) 44 to remit money to the recipient 39 of the country on the receiving side. The recipient 3 9 in the country on the receiving side can use the other card (or card number) 4 2 to receive the above remittance.

2010-4277-PF;ahddub.p t d 第35頁 1285817 五、發明說明（30) 另外，當領取侧之國的於匯款側之國時，匯款側之片。此情況若以上述之例子匯政側之國的人，亦可在匯步驟2 擁有卡片44之匯款人29 進行匯款手續。具體來說，金。以下，當提到「卡片之情況下的卡片號石馬之提示」亦包含了利用本系統之手續關’故在以下的說明中予以海外匯款時所至少必須資訊及匯款金額、亦即匯入取人所有之卡片42的必要，片號碼已預先賦予聯結關係碼，領取人就會被自動指定訊而言’若提示任一個卡片至發行者之匯款領取公司32 接著，包含有卡片號碼匯款窗口 2 5傳送至匯款接收由資訊終端機裝置2 6以外的在匯款窗口 2 5及匯款接收公亦皆包含於本發明之實施例匯#人領取公司32之分店等設置國亦可藉由其分店來發行卡來說，即從領取側之國外出至款侧之國中取得發行之卡片。 ’赴匯款侧之國的匯款窗口 2 5 即在提示卡片44的同時匯入現提示」時，亦包含「虛擬卡片。又，在此時之匯款中，雖然費，但由於跟本發明之本質無忽略（其他之實施例亦同）。的負訊’乃用以指定領取人之金額。因此匯款人雖有提示領然而在本例中，由於雙方之卡，故一旦提示匯款人之卡片號。就匯款人及領取人之個人資號碼的話，就可基於此而查照〇及匯入金額之匯款資料，係由公司22。另外，如前所述，藉電話、FAX (傳真機）或文書司22之間作資訊傳達的情況，中 02010-4277-PF; ahddub.p t d Page 35 1285817 V. Description of invention (30) In addition, when the country of the receiving country is on the remittance side, the film on the remittance side. In this case, if the person in the country on the remittance side of the above example is used, the remittance 29 with the card 44 in the remittance step 2 can also be used for remittance. Specifically, gold. In the following, when referring to the "Card of the card number in the case of a card", it also includes the procedures for using the system. Therefore, at least the information and the amount of remittance, that is, the remittance, are required when remittance is made in the following description. It is necessary to take all the cards 42. The film number has been pre-assigned to the connection relationship code, and the recipient will be automatically designated. If any card is presented to the issuer's remittance collection company 32, then the card number remittance window is included. 2 5 Transfer to remittance reception by the information terminal device 26 other than the remittance window 25 and the remittance receiving public are also included in the embodiment of the present invention. In order to issue a card, the card issued from the country on the receiving side to the side of the bank is obtained. 'When the remittance window to the country on the remittance side 2 5 is the prompt to import the prompt card 44, it also contains the virtual card. In addition, in the remittance at this time, although the fee, but due to the essence of the invention No ignoring (other embodiments are the same). The 'receiving' is used to specify the amount of the recipient. Therefore, the remitter has a hint. However, in this case, the card number of the remitter is prompted. In the case of the remittance and recipient's personal enrollment number, the remittance information for the enrollment and remittance amount can be based on this, which is the company 22. In addition, as mentioned above, by telephone, FAX (fax machine) or instrument Information between the divisions 22, in the 0

2010-4277-PF;ahddub.ptd 第36頁 1285817 五、發明說明（31) 另外，所匯入之現金的處理雖未圖示，但經由匯款接收公司22適當的匯入處理而置於其管理下，並一直保存到往後步驟中跟匯款領取公司3 2之間進行支付處理為止。步驟3 由匯款窗口 2 5接收匯款資料之匯款接收公司2 2，係適當地進行用以傳送匯款資料之資料處理，再將應保存之資訊保存至資料庫2 4。步驟4 、，匯款接收公司2 2，係對匯款領取公司3 2傳送匯款資料。上述匯款資料之傳送，係藉由如上述般之國際間結處理網路11來執行，而附帶處理之貨幣換算、電匯相σ又的手續費等之處理亦一併執行之。另外，雖然因為附帶處理而使得實m的金額產生變動，，然而= 述之變動份跟本發明之纟質無_，故在以下的上以忽視（其他實施例亦同）。因此，匯款資料之予内容（卡片號碼及匯入之金額）其太办 *上的送之。 μ額）|本上來說係維持原狀傳步驟5 匯款領取公司32 ’若一接收到匯款資的貝料收仏處理，並將匯款資料保存於資料庫以。仃適當第37頁 2010-4277-PF;ahddub.ptd 1285817 五、發明說明（32) 步驟6 _另一方面’將已進行匯款之旨意聯絡領取人39。具體而^ γ有各式各樣的方法可用，例如：利用來自於匯款接收公司22、匯款領取公司32或匯款人29之通知來聯絡。亦可使用郵寄、電話、電子郵件等之各種手段。步驟7 已^知完成匯款之領取人3 9，即進行領取手續。若舉領取手績之一例而言，領取人39赴領取窗口 35，提示擁有之卡片4 2作出領取要求。然後，從領取窗口 μ之資訊終端機裝置36對匯款領取公司32傳送要求對領取人39所提示的卡片42作對照之領取資料。對於關於卡片42之對照要求，領取側資料處理裝置51，係先抓出資料庫34所保存的匯款二貝料’再將匯款資料中所包含的匯款人之卡片44之卡片號碼跟領取資料中所包含的領取人之卡片42之卡片號碼相對照。為了進行上述之對照，故必要的卡片42及44之聯結關係，係儲存在資料庫34内。對照之結果，若確認雙方之卡片具有聯結關係，則匯款領取公司32就對領取窗口 35 准許支付相當於匯款金額之現金的通知。、另外，除了領取窗口35及匯款領取公司32之間的網路傳送以外，藉由電話、FAX (傳真機）或文書在領取窗口 35及匯款領取公司32之間作資訊傳達的情況，亦含於本發明之實施例中。自匕2010-4277-PF; ahddub.ptd Page 36 1285817 V. Description of Invention (31) In addition, the processing of the cash received is not shown, but is placed in the management by the appropriate remittance processing of the remittance receiving company 22. Next, and save until the payment process between the remittance collection company 32 in the next step. Step 3 The remittance receiving company 2 2 that receives the remittance data from the remittance window 2 2 is suitable for processing the data for transmitting the remittance data, and then saves the information to be saved to the database 24 . Step 4: The remittance receiving company 2 2 transmits the remittance information to the remittance receiving company. The transfer of the above-mentioned remittance data is performed by the international inter-junction processing network 11 as described above, and the handling of the currency conversion, the processing of the wire transfer, and the like of the processing are also performed. In addition, although the amount of the real m varies due to the incidental processing, the change of the description is not the same as the quality of the present invention, and therefore it is ignored in the following (the same applies to the other embodiments). Therefore, the contents of the remittance information (card number and the amount of the remittance) are sent to you on the *. The amount of μ)) is to maintain the original state. Step 5 Remittance collection company 32 ‘If one receives the receipt of the remittance, the remittance information is kept in the database.仃 Appropriate Page 37 2010-4277-PF; ahddub.ptd 1285817 V. Description of invention (32) Step 6 _ On the other hand, the recipient of the remittance will be contacted 39. Specifically, ^ γ has a variety of methods available, for example, using a notification from a remittance receiving company 22, a remittance receiving company 32, or a remitter 29. Various means such as mailing, telephone, and e-mail can also be used. Step 7 It is known that the recipient of the remittance 3 9 will be charged. In the case of one of the hand-picking achievements, the recipient 39 goes to the collection window 35, prompting the card 4 2 to make the request for collection. Then, the information receiving terminal device 36 from the receiving window μ transmits the receiving data requesting the card 42 presented by the recipient 39 to the money collecting company 32. For the control request for the card 42, the receiving side data processing device 51 first grabs the remittance two bills stored in the database 34 and then re-distributes the card number of the remittance card 44 included in the remittance data to the receiving data. The card number of the included card 42 is compared. In order to perform the above comparison, the necessary links between the cards 42 and 44 are stored in the database 34. As a result of the comparison, if it is confirmed that the cards of both parties have a connection relationship, the remittance receiving company 32 will notify the receiving window 35 of the payment of the cash equivalent to the remittance amount. In addition, in addition to the network transmission between the receiving window 35 and the remittance receiving company 32, the information transmission between the receiving window 35 and the remittance receiving company 32 by telephone, FAX (fax machine) or document also includes In an embodiment of the invention. Automatic

2010-4277-PF;ahddub.p t d 1285817 五、發明說明（34) •第1實施例之變形例（1 ) 關於領取人領取匯款之方法，可以所謂卡片42之可使用金額額度領取。例如，對卡片4 2設立相當於者。此情況下，匯款領取公司3 2於於匯款資料所含之卡片號碼鎖定領所有的卡片4 2執行增加相當於匯款理。另外，關於卡片之處理，係藉 51來執行。之後，領取人可在上述將上述使用額度換成現金。關於卡4 2之資料，係預先保管取公司3 2的資料庫3 4，以作相當於增加以及其後使用記錄之記錄保管理，係由領取側資料處理裝置5丨擔以上述變形例之更進一步的變卡片42為可填充所謂電子錢之Ic卡於匯款金額之電子錢於1C卡内之型又，當藉由填充卡片使用額度之卡片4 2即使不是物理性實體之j c 當領取人藉由網際網路進行所謂的虛擬卡片之卡片號碼即可在使用額再更進一步，亦可將相當於匯除了以現金領 (使用額度）匯款金額之準接收匯款資料取人，再對上金額之金錢價由領取侧資料使用額度内進於卡片發行者匯款金額之使。上述般關於任。形例而言，當時，亦可藉由態來領取匯款來領取匯款時卡亦可實施之電子購物時，度内進行購物款金額之電子取外，也的型態來備額度之後，基述領取人值的處處理裝置行購物或之匯款領用額度的卡片之管領取人之填充相當〇，領取人〇例如，藉由輸入等。錢以填充2010-4277-PF; ahddub.p t d 1285817 V. Description of Invention (34) • Modification of the first embodiment (1) The method of collecting the remittance by the recipient can be obtained by the amount of the card 42 that can be used. For example, the equivalent of the card 4 2 is established. In this case, the remittance collection company 3 2 locks all the cards in the card number contained in the remittance data. In addition, the processing of the card is performed by 51. After that, the recipient can exchange the above-mentioned usage amount for cash in the above. Regarding the information of the card 4 2, the database 3 4 of the company 3 2 is stored in advance, and the record management is performed corresponding to the increase and the subsequent use record, and the data processing device 5 of the receiving side is responsible for the above-described modification. Further, the change card 42 is a type of electronic money that can be filled with the so-called electronic money Ic card in the amount of the remittance, and the card is used to fill the card using the amount of credit card 4 2 even if it is not a physical entity jc as a recipient By using the Internet to carry out the card number of the so-called virtual card, the usage amount can be further increased, and the remittance data equivalent to the remittance amount of the cash collar (usage amount) can be taken away, and the amount of the remittance can be taken. The money price is entered into the card issuer's remittance amount by the amount of the data on the receiving side. As mentioned above. In the case of the case, at the time, the remittance can be used to collect the remittance. When the e-shopping can be carried out, the amount of the purchase amount can be taken electronically. The recipient of the person who receives the value of the person who purchases the card or the remittance of the credit card is filled with the recipient of the card, for example, by input or the like. Money to fill

1285817 五、發明說明（35) f電子錢包（電子結帳所使用的軟體之虛擬錢包）内 =領取。用以填充匯款之電子錢包，可預先或在領取時因此，領取人之匯款領取方法，除了現金以外，有多樣化的考量（其他實施例亦同）。 •第1實施例之變形例（2 ) 在本例中’匯款領取公司32之領取侧資料處理裝置5 j 僅對，取人預先發行卡片。匯款人僅需知道領取人卡片之卡片唬碼即可，原則上不需對匯款人發行卡片。因此，在卡片發行時’匯款人亦不需為特定。進行匯款手續之匯款人，於提示領取人卡片之卡片號碼的同時進行匯入。匯款領取公司3 2，係對照匯款資料中所包含之領取人卡片被碼及由領取人所提示的領取人卡片號碼，而准許對於領取人之現金支付。關於卡片之處理，主要係利用領取侧資料處理裝置51來作為主執行者。另外，在上述情形下，領取人亦可藉由對卡片使用額度之填充等、在變形例 (1 )中所述之現金以外的型態來領取匯款。在變形例（2 )中，原則上是不需要匯款人卡片的，且在施行一般的匯款手續時也需提示匯款人之資訊（住，、姓名等）乃常識所知，此情況下，由於若有記錄有匯款人特定資訊之卡片的話則匯款手續上會很便利，故也可對匯款人發行卡片。同樣地，在其他變形例及其他實施例中，即使匯款人或領取人之任一方基本上可不需要發行卡 1285817 t 五、發明說明（36) 片時，為了匯款手續或領取手續之便利性的理由，亦可任意決定是否發行卡片。 •第1實施例之變形例（3 ) 在此例中，匯款領取公司3 2之領取侧資料處理裝置5 1 係預先對複數領取人發行卡片。卡片號碼乃各自相異。匯款人僅需知道上述複數領取人卡片之各卡片號碼即可，原則上不需要對匯款人發行卡片。匯款人，於複數之領取人中，指定可領取匯款之1或複數領取人，同時亦指定所指定之各領取人的可領取匯款金額，再匯入上述等之總額。匯款領取公司3 2，係將欲領取匯款之領取人所提示的領取人卡片號碼跟匯款資料中所包含的1或複數領取人卡片對照。若有一致之卡片號碼，就准許支付擁有該一致之卡片號碼的領取人其可領取的指定金額之現金。關於卡片之處理，主要是藉由領取側資料處理裝置5丨來執行。另外，在上述情形下，各領取人亦可藉由對卡片使用額度之填充等、在變形例（1 )中所述之現金以外的型態來領取匯款。此情形下，匯款領取公司32，若接受到匯款資料的話，即基於匯款資料中所包含之1或複數的領取人卡片號碼而鎖定各領取人，並對上述各領取人所有的各卡片分別執行增加相當於其所被指定的匯款金額之金錢價值之處理。關於卡片之處理，主要是藉由領取側資料置51來執行。免衣1285817 V. Description of invention (35) fElectronic wallet (virtual wallet of software used for electronic checkout) = Receive. The e-wallet used to fill the remittance can be pre-paid or at the time of collection. Therefore, the recipient's method of remittance collection has a variety of considerations besides cash (other embodiments are the same). • Modification (2) of the first embodiment In this example, the collection side data processing device 5j of the remittance receiving company 32 only issues the card in advance. The remitter only needs to know the card weight of the recipient card. In principle, it is not necessary to issue a card to the remitter. Therefore, at the time of card issuance, the remitter does not need to be specific. The sender who performs the remittance procedure will import the card number of the recipient card. The remittance collection company 3 2 permits the payment of cash to the recipient in accordance with the recipient card code included in the remittance information and the recipient card number suggested by the recipient. Regarding the processing of the card, the receiving side data processing device 51 is mainly used as the main performer. Further, in the above case, the recipient may also receive the money transfer by the type other than the cash described in the modification (1), such as the filling of the credit amount of the card. In the modification (2), in principle, the remitter card is not required, and the information (residence, name, etc.) of the remitter is also required to be known when the general remittance procedure is performed. In this case, If there is a card with the specific information of the remitter recorded, the remittance procedure will be very convenient, so the card can also be issued to the remitter. Similarly, in other modifications and other embodiments, even if the sender or the recipient basically does not need to issue the card 1285817 t, the invention description (36), for the convenience of the remittance procedure or the collection procedure For reasons, you can also decide whether or not to issue a card. • Modification (3) of the first embodiment In this example, the collection side data processing device 5 1 of the money collection company 32 issues cards in advance for a plurality of recipients. Card numbers are different. The sender only needs to know the card numbers of the above multiple recipient cards. In principle, it is not necessary to issue cards to the remitter. The remitter, among the recipients of the plural number, designates one or more recipients who can receive the remittance, and also specifies the amount of remittances that can be received by each of the designated recipients, and then remits the total amount of the above. The remittance collection company 3 2 is the recipient card number indicated by the recipient who wants to receive the remittance, and the 1 or multiple recipient card included in the remittance information. If there is a consistent card number, the holder of the card number with the same card number is allowed to pay the specified amount of cash. The processing of the card is mainly performed by the receiving side data processing device 5丨. Further, in the above case, each of the recipients may receive the money transfer by the type other than the cash described in the modification (1), such as the filling of the credit amount of the card. In this case, the remittance collection company 32, if receiving the remittance information, locks each recipient based on one or more recipient card numbers included in the remittance data, and performs each card of each of the above recipients separately Increase the processing of the monetary value equivalent to the amount of the remittance that it is assigned. The processing of the card is mainly performed by the receiving side data setting 51. Undressed

1285817 五、發明說明（37) <第2實施例> 第2圖係表示本發明海外匯款系統及方法之第2實施例之概略結構圖。圖中，S卜S9係表示主要處理步驟之流程。在第2圖中，跟第1圖所示的第1實施例同樣的構成要素係使用相同的符號來表示之。關於不同之構成要素，則在以下的流程說明中一併進行說明。 •第2實施例之處理流程如第2圖所示之第2實施例，係依照圖中s卜S9所示之步驟1〜步驟9的流程來執行。步驟1 匯款人2 9，赴存在於匯款側之國的匯款窗口 2 5，申辦匯款手續。匯款人2 9，在匯入現金的同時，提示指定領取人之資訊等。步驟2 跟前述之第1實施例不同，匯款人29及領取人39皆不預先發行卡片。在第2實施例中，係當匯款人2 9於匯款窗口 25申辦匯款手續時，對匯款人29發行卡片46。卡片46，可為物理性實體之卡片，亦可為僅分派有卡片號碼之虛擬卡片。然後，包含有所發行卡片之卡片號碼、領取人資訊以及匯入金額的匯款資料，即從資訊終端機裝置2 6傳送至匯款接收公司2 2。1285817 V. INSTRUCTION DESCRIPTION (37) <Second Embodiment> FIG. 2 is a schematic block diagram showing a second embodiment of the overseas remittance system and method of the present invention. In the figure, Sb S9 represents the flow of the main processing steps. In the second drawing, the same components as those of the first embodiment shown in Fig. 1 are denoted by the same reference numerals. The different components are described together in the following flow descriptions. • Process Flow of the Second Embodiment The second embodiment shown in Fig. 2 is executed in accordance with the flow of steps 1 to 9 shown in S9 of the figure. Step 1 Remittance 2 9, go to the remittance window of the country on the remittance side 2 5, apply for remittance procedures. The remitter 2 9, at the same time as the cash is remitted, prompts the information of the designated recipient. Step 2 Unlike the first embodiment described above, neither the remitter 29 nor the recipient 39 issues a card in advance. In the second embodiment, when the remitter 29 applies for the remittance procedure at the remittance window 25, the card 46 is issued to the remitter 29. The card 46 can be a card of a physical entity or a virtual card with only a card number assigned. Then, the remittance information including the card number of the issued card, the recipient information, and the remittance amount is transmitted from the information terminal device 26 to the remittance receiving company 2 2 .

2010-4277-PF;ahddub.p t d 第43頁 1285817 五、發明說明（38) 另外，除了匯款窗口 25及匯款接收公司22之間的網路 1达以外，藉由電話、FAX (傳真機）或文書在匯款窗口 25 ^匯款接收公司22之間作資訊傳達的情況’亦皆包含於本發明之實施例中。步驟3 匯款接收公司22，係發揮作為匯款侧處理機關21之料處理中心的功能，在匯款接收公電 =匯款側資料處理裝置52。在第2實施例中，因1V匯的款電司22係進行卡片發行，故匯款侧資料處理裝置以除 :具有卡片結帳相關資料功能以夕卜，亦具有卡片發行之功此。另外，匯款側資料處理裝置52以之資料的資料庫24 ’係模式化地以用以執行本;子明：目關 =體裝置的簡化圖來表示 <，而實際的系統；技：而有多樣化之結構考量。例如，將卡及擔任其他處理之裝置實際上個別地予以設置。 =由匯款窗σ25所傳送的匯款資料之匯款側資料處 =置52，係進行關於新發行卡片之處理、欠 Π;:=24。卡片46 ’往上看，雖係從匯款窗Si I 而實際的發行者乃匯款接收公司22。因行者im ’匯款接收公司22係至少具有作為卡片發仃者之功月匕。關於卡片46之資料，係保存在匯款接收公司22的資料庫24内。$存在卡片發仃者之在此處，就步驟1〜3的匯蛉垃β V〇 π匯认接收處理之變形例型態進2010-4277-PF; ahddub.ptd Page 43 1285817 V. Description of Invention (38) In addition, except for the network 1 between the remittance window 25 and the remittance receiving company 22, by telephone, FAX (fax machine) or The case where the document is communicated between the remittance window 25 and the remittance receiving company 22 is also included in the embodiment of the present invention. Step 3 The remittance receiving company 22 functions as a material processing center of the remittance side processing unit 21, and receives the public power = remittance side data processing device 52 in the remittance. In the second embodiment, since the card issuing system 22 of the 1V sink performs the card issuance, the money transfer side data processing device also has the function of card issuance in addition to the function of the card checkout related data. In addition, the remittance side data processing device 52 uses the data repository 24' of the data to be used to execute the present embodiment: a simplified diagram of the physical device to represent <, and the actual system; There are diversified structural considerations. For example, the card and the devices that perform other processing are actually set individually. = The remittance side data of the remittance data transmitted by the remittance window σ25 = 52, for the processing of the newly issued card, owe;:=24. The card 46' looks up, although it is from the remittance window Si I and the actual issuer is the remittance receiving company 22. Because the traveler im ‘ remittance receiving company 22 has at least the merits of being a card issuer. The information on the card 46 is stored in the database 24 of the money transfer receiving company 22. $There is a card issuer. Here, in the steps 1 to 3, the 蛉蛉 β β V〇 π recognizes the variant of the receiving process.

1285817 五、發明說明（39) 行說明：匯款人’係在匯款接收公司 25之金融機關（銀行等）三成為其匯款窗口 )摘先具有匯聋会n m > 款至上述匯款專用戶頭决、隹一广另退π人專用戶頭。藉由匯頭之匯入，係有：透過窗口業藤對於匯放專用戶 ATM匯入之情形、或透過，、匯入之情形、透過從匯款人所具有的其他戶頭轉帳之銀仃業^務手續般對匯款專用戶頭匯入之情彡下 ^ 。即使是如上述片或虛擬卡片’同時卡片號碼及匯傳送至匯款接收公司22之匯款侧資料處理裝置5 入資料庫24。处I置W並儲存另外’就當刖而吕，雖欽尤/由田A ΤΜ η士》 a 躍然在使用ATM時由於裝置對應上的理由必須預先發行實體士 H ，妙、a I^ 只π 饮w員篮卞片，然而本實施例之本質是不需要預先發行卡片。 ' ' 步驟4 另一方面，匯款接收公司22，係基於指定匯款資料中所包含的領取人39之資訊，而將卡片46之卡片號碼及匯款金額等聯絡領取人3 9。聯絡手段，可為郵寄、電話、電子郵件等。當然亦可由匯款人2 9聯絡領取人3 9。或者是，匯款人29或匯款接收公司22，亦可將卡片46 本體寄送給領取人39。當為匯款接收公司22將卡片46寄送至領取人39的情形時，卡片46就無法轉給匯款人29。步驟51285817 V. Description of invention (39) Description of the line: The remitter “is the financial institution (bank, etc.) of the remittance receiving company 25 and becomes the remittance window of the remittance company.)隹一广 has another π person dedicated user head. With the remittance of Huitou, there are: through the window industry, the situation of the import and export of ATMs, or through, the situation of remittance, and the transfer of funds from other accounts owned by the remitter ^ In the case of formalities, the remittance of the special user of the remittance is under the control ^. Even the remittance side data processing device 5, such as the above-mentioned tablet or virtual card' and the card number and the transfer to the remittance receiving company 22, enters the database 24. I set W and store another 'just like 刖刖 , 虽虽 , 虽虽虽虽钦钦钦钦钦钦钦钦 a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a a Drinking a basket of slaps, however, the essence of this embodiment is that no pre-release cards are required. ' 'Step 4 On the other hand, the remittance receiving company 22 collects the card number of the card 46 and the amount of the remittance based on the information of the recipient 39 included in the designated remittance data. The means of communication can be mail, telephone, e-mail, etc. Of course, the remitter can also contact the recipient 3 9 . Alternatively, the remitter 29 or the remittance receiving company 22 may also send the card 46 to the recipient 39. When the money receiving company 22 sends the card 46 to the recipient 39, the card 46 cannot be transferred to the remitter 29. Step 5

2010-4277-PF;ahddub.ptd 第45頁 1285817 五、發明說明（40)"" ' --- 7頁取人3 9 ’於被通知已匯款後，或卡片4 6已寄送到連後’赴領取窗口 35進行領取手續。此時，領取人39提示卡片46之卡片號碼或實體卡片之卡片46本體。更進一步，若領取人提示本人之證明書則在安全性上較佳。例如：護照或駕敬執照等。當卡片46為實體卡片時，係以在ATM進行領取手續較佳。、在本系統及方法所使用的卡片46，由於係對應於包含後述步驟7之授信檢查手續並藉由國際間結帳處理網路1 i 施行處理’故在跟國際間結帳處理網路丨丨往來之全部的 ATM皆可領取。步骤6 由領取窗口35之資訊終端機裝置36對匯款接收公司22 之匯款侧資料處理裝置52執行連線（oniine)之授信檢查手續。此時，匯款領取公司32即進行領取窗口 35及匯款接收么司2 2之間授信檢查手續資料之受讓。匯款領取公司3 2 之資料處理，實質上係由領取側資料處理裝置3 3擔任。步驟7 上述之授信檢查手續，由於係基於領取窗口 35及匯款接收公司22 (卡片發行者）之間的信用而由領取窗口 35支出，故在事前有檢查卡片授信額度之手續，跟習知*** 系統中海外加盟店所進行之手續相同。因此，可利用國際間結帳處理網路11之授信檢查手續之仲介功能來執行。藉2010-4277-PF; ahddub.ptd Page 45 1285817 V. Invention Description (40)"" ' --- 7 pages of people 3 9 ' After being notified of the remittance, or card 4 6 has been sent Afterwards, go to the collection window 35 to collect the documents. At this time, the recipient 39 presents the card number of the card 46 or the card 46 of the physical card. Furthermore, it is safer if the recipient certifies his/her certificate. For example: passport or driving license. When the card 46 is a physical card, it is preferable to perform the procedure at the ATM. The card 46 used in the system and the method corresponds to the credit check procedure including the step 7 described later and is processed by the international checkout processing network 1 i. All ATMs that come and go are available for collection. Step 6 The information terminal device 36 of the receiving window 35 performs a credit checking procedure for the onion of the money transfer side data processing device 52 of the money receiving company 22. At this time, the remittance collection company 32 will receive the transfer of the credit check procedures between the collection window 35 and the remittance receipt. The data processing of the remittance receiving company 3 2 is essentially performed by the receiving side data processing device 33. Step 7 The above-mentioned credit check procedure is performed by the collection window 35 based on the credit between the collection window 35 and the remittance receiving company 22 (card issuer). Therefore, there is a procedure for checking the credit line of the card in advance, and the credit card is known. The procedures for overseas franchisees in the system are the same. Therefore, it can be executed by the intermediary function of the credit check processing procedure of the international checkout processing network 11. borrow

2010-4277-PF;ahddub.ptd 第46頁 1285817 —----------- 五、發明說明（42) "" ------— =論是由本發明之海外匯款系統及方法所產生的支付處比由一般的***使用所產生的結帳處理，由於其順序 :J同’故可將上述者統一執行，而藉此達到降低成本之曰的。以利用第2實施例之情勢而言，可假想舉例如：滞留 ^領取侧之國的人發生了緊急必須現金之事情，而位於匯款側之國的家人欲匯款至領取侧之國的情況，然並非只限於此例。第2實施例，由於可在不預先發行卡片之型態下進行匯款，故有多樣化的利用型態。另外’已進行元一次匯款的匯款人2 9，使用此時所發行的卡片4 6，其後無論使用幾次皆可匯款。為了實現上述者’故將卡片4 6之資料事先維持於匯款接收公司2 2之資料庫24。或者是，亦可限定卡片46之使用僅只限於一次的匯款。此情形下，可於匯款完成後藉由控制資料庫2 4内之資料來達成。 <第3實施例> 第3圖係表示本發明海外匯款系統及方法之第3實施例之概略結構圖。圖中，S卜S7係表示主要處理步驟之流程。在第3圖中，跟第1圖所示的第1實施例同樣的構成要素係使用相同的符號來表示之。關於不同之構成要素，則在以下的流程說明中一併進行說明。如第3圖所示之第3實施例，係依照圖中S1〜S7所示之步驟1〜步驟7的流程來執行。2010-4277-PF; ahddub.ptd Page 46 1285817 —----------- V. Description of invention (42) "" ------- = On the overseas of the present invention The payment system generated by the remittance system and method is more efficient than the settlement process generated by the general credit card use, and since the order: J is the same, the above can be uniformly executed, thereby achieving the cost reduction. In the case of using the situation of the second embodiment, for example, a person who has stayed in the country on the receiving side has an urgent need for cash, and a family member of the country on the remittance side wants to remit money to the country on the receiving side. However, it is not limited to this example. In the second embodiment, since the money can be remitted without the card being issued in advance, there are various types of utilization. In addition, the remittance person who has made the remittance of the yuan 2, 9 uses the card 4 6 issued at this time, and can remit money after using it several times. In order to achieve the above, the data of the card 46 is maintained in advance in the database 24 of the remittance receiving company 2 2 . Alternatively, it is also possible to limit the use of the card 46 to only one remittance. In this case, it can be achieved by controlling the information in the database 24 after the remittance is completed. <Third Embodiment> Fig. 3 is a schematic block diagram showing a third embodiment of the overseas remittance system and method of the present invention. In the figure, Sb S7 represents the flow of the main processing steps. In the third embodiment, the same constituent elements as those of the first embodiment shown in Fig. 1 are denoted by the same reference numerals. The different components are described together in the following flow descriptions. The third embodiment shown in Fig. 3 is executed in accordance with the flow of steps 1 to 7 shown in S1 to S7 in the figure.

2010-4277-PF;ahddub.ptd 第48頁 12858172010-4277-PF; ahddub.ptd Page 48 1285817

•第3實施例之處理流程步驟j 領取人39，經由領取窗口35，進行用以於匯款領取公司32内開設戶頭37之手續。另夕卜，戶頭37雖亦可由匯款人 29開設，然而基本上由於領取人39需由上述戶頭3了領取匯款，故由領取人39從戶頭37進行提領為較可接受的處置方式。然後’用以開设戶頭3 7之戶頭開設資料，即由領取窗口35之資訊終端機裝置36傳送至匯款領取公司32。另外，除了利用資訊終端機裝置3 6之網路傳送以外，藉由電話、 FAX (傳真機）或文書在領取窗口 35及匯款領取公司32之間作資訊傳達的情況，亦皆包含於本發明之實施例中。步驟2 匯款領取公司3 2，係發揮作為領取側處理機關31之資料處理中心的功能，在匯款領取公司3 2並設置有適當的電腦之資料處理裝置，特別是，在第3實施例中，匯款領取公司3 2為了進行虛擬加盟店登錄，故具備與此相關功能之加盟店管理裝置53，僅此予以圖示。加盟店管理裝置53，係進行開設戶頭3 7之處理。在戶頭3 7之開設中，領取人係以「虛擬加盟店」來登錄，戶頭37可看成是「虛擬加盟店所有之戶頭」、亦即「虛擬加盟店戶頭」。另外，在虛擬加盟店之登錄手續中，賦予加盟店號碼。藉此，領取人3 9• Process flow of the third embodiment Step j The recipient 39 performs a procedure for opening the account 37 in the remittance receiving company 32 via the receiving window 35. In addition, although the account 37 can also be opened by the remitter 29, basically since the recipient 39 needs to receive the remittance from the account 3, the claim 39 is taken from the account 37 to be a more acceptable disposal method. Then, the information for opening the account of the account 37 is transmitted to the money collection company 32 by the information terminal device 36 of the receiving window 35. In addition, in addition to the network transmission by the information terminal device 36, information transmission between the receiving window 35 and the money collecting company 32 by telephone, FAX (fax machine) or document is also included in the present invention. In the embodiment. Step 2 The remittance receiving company 3 2 functions as a data processing center of the receiving side processing unit 31, and the remittance receiving company 32 is provided with an appropriate computer data processing device. In particular, in the third embodiment, In order to perform the virtual franchise registration, the remittance collection company 3 2 has the franchise management device 53 having the function related thereto, and is merely illustrated. The affiliate store management device 53 performs the process of opening the account 37. In the opening of the account, the recipient is registered as a “virtual franchise store”, and the account 37 can be regarded as a “virtual franchise store account”, that is, a “virtual franchise store account”. In addition, the franchise store number is given in the registration procedure of the virtual franchise store. By this, the recipient 3 9

2010-4277-PF;ahddub.ptd 第49頁 1285817 五、發明說明（44) 及其戶頭37，在處理上即可當作***加盟店及加盟店戶頭來辦理。因此，在此情形下，匯款領取公司32係至少具有作為加盟店管理者之功能。道上述口25、，指定資訊的置2 6對資訊（端機裝或文書情況，虛擬加進行匯匯款前加盟店匯款接加盟店置25之在匯款亦皆包盟店之加盟款手續。匯之虛擬加盟號碼。然後收公司22傳號碼）之匯網路傳送以窗口 25及匯含於本發明店號碼的匯款人29，即赴款人29，於匯入匯款金額店。提示作為指定虛擬加，由匯款窗口 2 5之資訊終送包含有匯款金額及匯款款資料。另外，除了利用外，藉由電話、FAX (傳款接收公司2 2之間作資訊之實施例中。步驟3 知匯款窗的同時盟店之端機裝前指定資訊終真機）傳達的步驟4 匯款接收公司2 2之®转相丨丨-欠& 由匯款窗口25所傳送貝料處理裝置52，係基於藉付資料。當上述I支付次料來作成對虛擬加盟店之支 -般的***乍成時，由於本海外基金係跟用之卡片號碼。另外，I、f同，故可利用來作為匯款專用者來使用，此外亦可於;t卡片號碼亦可準備為預先專片（號碼）。當為後者之，产^支付資料作成時發行新的卡具有作為卡片發明者之功^下，匯款接收公司22係至少 2010-4277-PF;ahddub.p t d 第50胃 12858172010-4277-PF; ahddub.ptd Page 49 1285817 V. Invention Description (44) and its account 37, can be handled as a credit card franchise store and franchise store account. Therefore, in this case, the remittance receiving company 32 has at least the function as a franchise manager. The above-mentioned port 25, the designated information of the set of 26 information (the end of the machine or the case of the file, the virtual plus the remittance before the franchise remittance to the franchise store set 25 in the remittance is also the franchise store franchise procedures. The virtual franchise number is then transmitted to the remittance amount store by window 25 and the remitter 29 that is included in the shop number of the invention. The prompt is specified as a virtual addition, and the remittance amount and the remittance data are included in the information of the remittance window. In addition, in addition to the use, by telephone, FAX (transfer receiving company 2 between the information in the implementation of the example. Step 3 know the remittance window at the same time the end of the franchise machine to specify the information before the real machine) 4 Remittance Receiving Company 2 2 转丨丨 - 欠 & The billet processing device 52 transmitted by the remittance window 25 is based on the loan information. When the above I pays for the credit card to make a credit card for the virtual franchise store, the card number used by the overseas fund system. In addition, I and f are the same, so they can be used as a remittance user, and the t card number can also be prepared as a pre-special number (number). When it is the latter, the new card is issued when the payment is made. It has the merits of being the inventor of the card. The remittance receiving company 22 is at least 2010-4277-PF; ahddub.p t d 50th stomach 1285817

五、發明說明（45) 步驟5 匯款接收公司1 1，係透已作成的支付資料傳送至匯盟店中進行之銷售額處理相售額之處理相同。過國際間結帳處理網路丨丨，將 ^領取公司32。此乃跟虛擬加菖，並跟關於一般***的銷步驟6 匯款領取公司32，即登錄言，加盟店管理裝置53，係二=支付資料。具體而店號碼來鎖定虛擬加盟店戶^37至二料中所包含的加盟涵藤X ±从次把士私A a碩37 ’再對上述虛擬加盟店戶頭37匯入支付貝枓中所包含的匯款金額來處理之。步驟7 匯款接收公司2 2 ’係基於在舟驟4 %从土々、任步驟4所作成的支付資料來進行匯款。又，上述匯款處理亦可读讽l ^ m J通過國際間結帳處理網路11來進行。另外，上述步驟7之匯款處理，並不一定必須要在往後步驟8及步驟9的匯款領取之前進行，亦可在跟匯款領取之時間點無關下來執行。步驟8 匯款領取公司32，係至少於步驟6之支付資料登錄完成之後’聯絡領取人3 9已匯款之主旨。也就是說，聯絡立可從虛擬加盟店戶頭3 7於匯款金額範圍内進行提領。亦可V. INSTRUCTIONS (45) Step 5 The remittance receiving company 1 1 is the same as the sales processing of the completed payment data sent to the Huimen store. After the international checkout processing network, you will receive the company 32. This is done with the virtual plus, and with the general credit card sales step 6 remittance collection company 32, that is, the login, the franchise management device 53, the second = payment information. Specifically, the store number is used to lock the virtual franchise store. ^37 to the second material included in the franchise vine X ± from the second privilege A a master 37 're-into the virtual franchise store account 37 into the payment The amount of the remittance is processed. Step 7 The remittance receiving company 2 2 ′ is based on 4% of the payment data from the bandit and the step 4 to make the remittance. Moreover, the above-mentioned remittance processing can also be performed by the international checkout processing network 11. In addition, the remittance processing of the above step 7 does not necessarily have to be performed before the remittance of the subsequent steps 8 and 9 or may be performed irrespective of the time when the remittance is received. Step 8 The remittance collection company 32 is the subject of the remittance of the recipient 30 after the completion of the payment of the payment data in step 6. In other words, Liaison can withdraw from the amount of remittance from the virtual franchise account. Can also

2010-4277-PF;ahddub.ptd 第51頁 1285817 五、發明說明（46) 透過領取窗口 35來聯絡，聯絡手段可為郵寄、電話、電子郵件等。知道匯款已完成之領取人39，即由虛擬加盟店戶頭37 進行匯款之提領。匯款之提領’亦可於包含有atm之領取窗口 3 5來進行。又，亦可以第1實施例中所述之電子錢來作為領取標的。因此，在第3實施例中，藉由假定領取人猶如具有一家加盟店般而開設虛擬的戶頭，且匯款猶如對虛擬加盟店之***銷售額之支付等般而進行賦予虛擬==店故即可利用國際間結帳處理網路來執行跟一般***支付處理相同順序之海外匯款。 " 【發明效果】如上所述款側處理機關例中，係匯款係、亦即相互僅藉由匯款資進而，無及領取側之間利用國際信用路中之一般業方法，心之機彼此間處理完取人支，凡關由於皆，故可可實現，本發明及領取側接收公司間之信用料等之資論是本發的資料傳卡公司所務處理統之海外匯處理機關及匯款領，無論實料傳送就明的哪一送及支付有的結帳一來進行款系統及等作為核取公司）際的匯款准許對領個實施例處理等，處理網路。因此，係基於匯關（在本之往來關成與否，付現金。於匯款側已確立可跟上述網低成本且2010-4277-PF; ahddub.ptd Page 51 1285817 V. Invention Description (46) Contact through the receiving window 35, which can be mailed, telephone, e-mail, etc. The recipient who knows that the remittance has been completed 39 is the withdrawal of the money from the virtual franchise store account 37. The withdrawal of the remittance can also be carried out in the collection window 3 of atm. Further, the electronic money described in the first embodiment may be used as the subject of collection. Therefore, in the third embodiment, it is assumed that the recipient has opened a virtual account as if he or she had a franchise store, and the remittance is given as a virtual== shop as if the credit card sales of the virtual franchise store were paid. The international checkout processing network can be used to perform overseas remittances in the same order as general credit card payment processing. " [Effect of the invention] In the example of the bank-side processing institution as described above, the remittance system is a remittance system, that is, the remittance fund is used only by each other, and the general business method in the international credit road is used between the receiving side and the receiving side. After the processing is completed, the customs are all realized, so the cocoa can be realized. The credit information of the present invention and the receiving side receiving the company's credit materials are the foreign exchange processing agencies and remittances handled by the data transmission company of this issue. In the case of the actual delivery, it is clear which one is sent and the payment is made to the payment system, and the remittance system is used as the approval company. Therefore, it is based on the exchange (paying cash in the context of this transaction). On the remittance side, it has been established to be

12858171285817

迅速的海外匯款處理。即使是在領取人及況下，也可相互進若利用本發明之任一實施例的話，匯款人雙方或其一不具有銀行戶頭的行海外匯款。 @ 又，不論是在哪一個實施例下，於匯款手於跟實際的匯款處理無關之匯款手钵— 炱’基 ^ ^ ^ _ 于續而僅精由資料傳送冰 :讓領取人領取匯款，因此匯款所需要的期間縮短且確不論是在何種實施例下’包括取公司及前述者之往來（包含各式各樣的金融機構匕的貝領取窗口及ATM，冑可確保多數之匯款窗口及領取冓窗)口者的 =，對於利用，言，可利用的場所及時間的選擇性更見廣’便利性亦兩。更進一步，由於具有匯款接收公司及在上述匯款領取公司間執行之系統及方法，故信賴性报高，利用者可放心地使用。本發明之海外匯款系統及方法的利用若普及的話，亦可解決地下銀行暗中之活躍’而對維持發展健全的經濟活動有所幫助。Rapid sea remittance processing. Even in the case of the recipient and the other party, if any of the embodiments of the present invention are used, the remittance party or one of them does not have a bank account remittance. @ Also, no matter in which embodiment, the remittance in the remittance is not related to the actual remittance processing - 炱 '基 ^ ^ ^ _ continued and only the data transfer ice: let the recipient receive the remittance, Therefore, the period required for remittance is shortened and it is true that in any of the embodiments, including the company and the aforementioned parties (including various financial institutions, the receiving window and the ATM, the majority of the remittance window can be ensured. In the case of the use, the use of the place and the time are more selective, and the convenience is also two. Further, since there is a system and method for executing the remittance receiving company and the remittance receiving company, the reliability is high and the user can use it with confidence. If the use of the sea remittance system and method of the present invention is widespread, it can also solve the implicit activity of underground banks, and it is helpful to maintain a sound and sound economic activity.

1285817 圖式簡單說明 5 2〜匯款側資料處理裝置；5 3〜加盟店管理裝置。 2010-4277-PF;ahddub.ptd 第55頁1285817 Simple description of the diagram 5 2~ Remittance side data processing device; 5 3~ franchise store management device. 2010-4277-PF; ahddub.ptd第55页

Claims

1285817 六、申請專利範圍 ------- 1. 一種海外匯坏么 m ^ 7糸統，執行從匯款側之國到領取側之國的匯款，其特徵在於：包括·匯认側資料處理裝置，設置於上述匯款側之 3、’以及領取侧貝料處理裝置，設置於上述領取側之國，春淼上〇述領取侧貝料處理裝置係分別對領取人及匯款人預，發州固分別被分派有具有聯結關係乂卡片號碼的卡片，上述匯π人侧貝料處理裝置係將包含有上述匯款人所匯匯秋金額及上述匯款人之卡片號碼的匯款資料利用國示β帳處理網路來傳送至上述領取側資料處理裝置，口當來自上述領取人之匯款領取要求跟上述領取人之卡片唬碼提不一起發生時，上述領取側資料處理裝置即確認 ^上述領取人所提示的上述領取人之卡片號碼跟上述匯款資料中所包含的上述匯款人之卡片號碼之間具有聯結關係，當已確認雙方之上述卡片號碼具有聯結關係時，准許上述領取人於上述匯款金額範圍内之領取行為。 2 ·如申請專利範圍第1項所述之海外匯款系統，其中更包括有匯款窗口，接收來自於上述匯款人之匯款及上述匯款人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置。 3 ·如申請專利範圍第1項所述之海外匯款系統，其中1285817 VI. Scope of Application for Patent-- 1. A kind of remittance from the country on the remittance side to the country on the receiving side, which is characterized by: The processing device is disposed on the remittance side 3, 'and the receiving side bedding processing device, and is installed in the country of the receiving side, and the pick-up side bedding processing device in the spring 淼 is pre-issued to the recipient and the remittance person respectively. The state solids are respectively assigned a card having a connection relationship card number, and the above-mentioned sinking side π person side material processing device uses the remittance data including the autumn amount of the remitter and the card number of the remitter to utilize the national standard β The account processing network transmits the data to the receiving side data processing device, and when the remittance request from the recipient is not accompanied by the card number of the recipient, the receiving side data processing device confirms the recipient The card number of the above-mentioned recipient is indicated to have a connection relationship with the card number of the above-mentioned remitter included in the above remittance information, when the double has been confirmed When the card number of the above party has a connection relationship, the above-mentioned recipient is allowed to receive the payment within the range of the above remittance amount. 2. The overseas remittance system as described in claim 1 of the patent application, further comprising a remittance window, receiving the remittance from the remittance person and the card number of the remittance, and then including the remittance of the remittance The above remittance data of the remittance amount and the card number of the above remitter is transmitted to the remittance side data processing device. 3 · If you apply for the overseas remittance system described in item 1 of the patent scope,

2010-4277.PF;ahddub.ptd 第 56 頁 1285817 ---~---- 六、申請專利範圍 ' 括有領取窗口，接收來自於上述領取人之上述匯款領取人求及上，領取人之卡片號碼提示，再將包含有上述領之卡片5虎碼的領取資料傳送至上述領取側資料處理裝置。 4· 一種海外匯款系統，執行從匯款側之國到領取側之國的匯款，其特徵在於：包括·匯款侧資料處理裝置，設置於上述匯款側之 °、’以及領取侧資料處理裝置，設置於上述領取側之國，上述領取側資料處理裝置係分別對領取人及匯款人預發仃2個分別被分派有具有聯結關係之卡片號碼的卡片，上^匯款侧資料處理裝置係將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的匯款資料利用國際間、、XT帳處理網路來傳送至上述領取侧資料處理裝置，人上述領取侧資料處理裝置係僅將跟上述匯款資料中所包含的上述匯款人之卡片號碼具有聯結關係之上述領取人的卡片旒碼相對應之上述領取人的卡片之使用額度增加上述匯款之金額。 5 ·如申請專利範圍第4項所述之海外匯款系統，其中更包括有匯款窗口，接收來自於上述匯款人之匯款及上述匯款人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號瑪的上述匯款資料傳送至上述匯款侧資料處理裝置。2010-4277.PF;ahddub.ptd Page 56 1285817 ---~---- VI. The scope of application for patents' includes a receiving window, which receives the above-mentioned remittance recipients from the above-mentioned recipients, and the recipients The card number prompts, and then the receiving data including the card 5 tiger code of the above-mentioned collar is transmitted to the receiving side data processing device. 4. A sea remittance system that performs remittances from the country on the remittance side to the country on the receiving side, and is characterized by: a data processing device including a remittance side, a data processing device installed on the remittance side, and a collection side data processing device In the country of the receiving side, the receiving side data processing device pre-sends two cards respectively assigned a card number having a connection relationship to the recipient and the remitter, and the data processing device on the remittance side will include The remittance amount of the remittance amount and the remittance card number of the remittance person are transmitted to the receiving side data processing device using the international and XT account processing network, and the receiving side data processing device is only The card number of the above-mentioned remitter included in the above-mentioned remittance data has the credit amount of the above-mentioned recipient corresponding to the card number of the above-mentioned recipient, and the amount of the remittance is increased. 5. The sea remittance system as described in item 4 of the patent application scope, which further includes a remittance window, receiving the remittance from the remittance person and the card number of the remittance person, and then including the remittance of the remitter The remittance amount of the remittance amount and the card number of the above remitter is transmitted to the remittance side data processing device.

1285817 六、申請專利範圍 6 · —種海外匯款系統，執行從匯款側之國到領取側之國的匯款，其特徵在於：包括：匯款側資料處理裝置，設置於上述匯款側之國，以及領取側資料處理裝置，設置於上述領取側之國，上述領取側資料處理裝置係對領取人預先發行分派有卡片號碼之卡片，上述匯款侧資料處理裝置係將包含有匯款人所匯入之匯款金額及上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取侧資料處理裝置，當來自上述領取人之匯款領取要求跟上述領取人之卡片號碼提示一起發生時，上述領取侧資料處理裝置即確認 ^上述領取人所提示的上述領取人之卡片號碼跟上述匯款資料中所包含的上述領取人之卡片號碼為一致，當已確認雙方之上述卡片號碼一致時，准許上述領取人於上述匯放金額範圍内之領取行為。 7·如申請專利範圍第6項所述之海外匯款系統，其中更包括有匯款窗口，接收來自於上述匯款人之匯款及上述領取人之卡片號碼，再將包含有上述匯款人所匯入之匯^ 金額及上述領取人之卡片號碼的上述匯款資料傳送 = 匯款側資料處理裝置。 8·如申請專利範圍第6項所述之海外匯款系統，其中更包括有領取窗口，接收來自於上述領取人之上述匯私取要求及上述領取人之卡片號碼提示，再將包含有上ς領1285817 VI. Application for patent scope 6 · A kind of overseas remittance system, which performs remittance from the country on the remittance side to the country on the receiving side, which is characterized by: including: remittance side data processing device, set in the country on the remittance side, and receive The side data processing device is installed in the country on the receiving side, and the receiving side data processing device pre-issues a card with a card number assigned to the recipient, and the remittance side data processing device includes the remittance amount remitted by the remitter And the remittance data of the card number of the recipient is transmitted to the receiving side data processing device by using an international checkout processing network, and when the remittance request from the recipient occurs together with the card number prompt of the recipient, The receiving side data processing device confirms that the card number of the recipient indicated by the recipient is the same as the card number of the recipient included in the remittance data, and when it is confirmed that the card numbers of the two parties match, the above is permitted. The recipient’s collection within the above amount . 7. The overseas remittance system as described in claim 6 of the patent application, further comprising a remittance window, receiving the remittance from the remittance person and the card number of the recipient, and then including the remittance of the remittance The above-mentioned remittance data transfer of the amount of money and the card number of the above-mentioned recipient = the data processing device on the remittance side. 8. The sea remittance system as described in claim 6 of the patent application, which further comprises a receiving window, receiving the above-mentioned remittance request from the above-mentioned recipient and the card number prompt of the above-mentioned recipient, and then including the captain collar

2010-4277-PF;ahddub.p t d 第58頁 1285817 六、申請專利範圍取人之卡片號碼的領取資料傳送至上述領取侧資料處理裝置。 9 · 一種海外匯款系統，執行從匯款側之國到領取側之國的匯款，其特徵在於：包括·匯款侧資料處理裝置，設置於上述匯款側之國；以及領取侧資料處理裝置，設置於上述領取側之國，上述領取侧資料處理裝置係對領取人預先發行分派有卡片號碼之卡片，上述匯款側資料處理裝置係將包含有匯款人所匯入之匯#人金額及上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取侧資料處理裝置，上述領取側資料處理裝置係僅將跟上述匯款資料中所包含的上述領取人之卡片號碼相對應之上述領取人的卡片之使用額度增加上述匯款之金額。 1 0·如申請專利範圍第9項所述之海外匯款系統，其中更包括有匯款窗π，接收來自於上述匯款人之匯款及上述 f取人之卡片號碼’再將包含有上述匯款人所匯入之匯款 1及上述7員取人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置。 11·種海外匯款系統，執行從匯款側之國到領取側之國的匯款，其特徵在於：包括：匯款側資料處理裝置，設置於上述匯款側之2010-4277-PF; ahddub.p t d Page 58 1285817 VI. Patent Application The collection data of the card number of the person to be picked up is transmitted to the above-mentioned receiving side data processing device. 9 . A sea remittance system that performs remittances from the country on the remittance side to the country on the receiving side, and is characterized in that: a remittance side data processing device is provided in the country on the remittance side; and a receiving side data processing device is provided in In the country of the receiving side, the receiving side data processing device pre-issues a card with a card number assigned to the recipient, and the remittance side data processing device includes the amount of the person who is remitted by the remitter and the recipient. The remittance data of the card number is transmitted to the receiving side data processing device by using an international checkout processing network, and the receiving side data processing device only associates the card number corresponding to the recipient included in the remittance data. The amount of the card used by the recipient increases the amount of the above remittance. 1 0. The sea remittance system as described in claim 9 of the patent application, which further comprises a remittance window π, receiving the remittance from the remittance person and the card number of the f-receiving person' will further include the above-mentioned remitter The remittance data of the remittance 1 and the card number of the above-mentioned 7 members are transmitted to the remittance side data processing device. 11. The sea-farm remittance system performs remittance from the country on the remittance side to the country on the receiving side, and is characterized by: including: a remittance side data processing device, which is disposed on the remittance side

1285817 六、申請專利範圍國；以及領取側資料處理裝置，設置於上述領取側之國，上述領取侧資料處理裝置係對複數領取人預先發行分別分派有相異卡片號碼之複數之卡片’ 上述匯款侧資料處理裝置係將包含有就匯款人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置，當來自上述領取人之匯款領取要求跟上述領取人之卡片號碼提示一起發生時，上述領取侧資料處理裝置即確認由上述領取人所提示的上述領取人之卡片號碼跟上述匯款資料中所包含的1或複數上述領取人之卡片號碼中之一者為一致，當已確認上述一致時，准許已提出領取要求之上述領取人於該領取人之可領取金額範圍内之領取行為。 1 2 ·如申請專利範圍第丨丨項所述之海外匯款系統，其中更包括有匯款窗口，接收來自於上述匯款人之匯款及一或複數上述領取人之卡片號碼，再將包含有就上述匯款人所匯入之匯款而s之1或複數領取人分別可領取的金額及 =複數上述㈣人之卡片？虎石馬的上述匯毒欠資料述匯款侧資料處理裝置。 1 3 ·如申清專利範圍笛〗1馆中更包括有領取窗口，接第二項自所/上海外匯款系統/ ^ 領取要求及上述領取人之卡片碼領取人之上述匯款之卡片说碼的領取資料傳送至上述領取側資料處理1285817 6. The country of patent application; and the receiving side data processing device, which is installed in the country of the receiving side, and the receiving side data processing device pre-issues a card with a plurality of different card numbers in advance for the multiple recipients. The side data processing device utilizes an international checkout processing network for the amount of money that can be collected by one or more recipients and one or more card numbers of the above recipients in respect of the remittances remitted by the remitter And transmitting to the receiving side data processing device, when the remittance receiving request from the recipient occurs together with the card number prompt of the recipient, the receiving side data processing device confirms the recipient of the recipient presented by the recipient The card number is consistent with one of the card numbers of the above-mentioned recipients included in the above-mentioned remittance information, and when the above-mentioned agreement is confirmed, the amount of the above-mentioned recipient who has requested the claim is permitted to be collected by the recipient. Receiving behavior within the scope. 1 2 · If you apply for the overseas remittance system described in the scope of the patent application, which further includes a remittance window, receive the remittance from the remittance person and one or more card numbers of the above recipients, and then include the above The amount of the remittance remitted by the remitter and the amount of the s1 or multiple recipients and the number of the above (4) card? The above-mentioned information on the remittance of the tiger stone horse is described as the data processing device on the remittance side. 1 3 ·If Shen Qing patent scope flute 〗 1 Hall also includes a receiving window, the second item from the / Shanghai foreign exchange system / ^ receiving the request and the above cardholder of the recipient's card code said the remittance card code Receiving information is sent to the above receiving side data processing

1285817 六、申請專利範圍裝置。 1 4· 一種海外匯款系統，執行從匯款側之國到領取側之國的匯款，其特徵在於：包括：匯款側資料處理裝置，設置於上述匯款侧之國；以及領取側資料處理裝置，設置於上述領取側之國’ 上述領取側資料處理裝置係對複數領取人預先發行分派有卡片號碼之卡片，上述匯款側資料處理裝置係將包含有就匯款人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置，上述領取側資料處理裝置係僅將跟上述匯款資料中所包含的1或複數上述領取人之卡片號碼相對應之各個上述領取人的卡片之使用額度增加上述匯款之金額。 1 5 ·如申請專利範圍第1 4項所述之海外匯款系統，其中更包括有匯款窗口，接收來自於上述匯款人之匯款及一或複數上述領取人之卡片號碼，再將包含有就上述匯款人所匯入之匯款而言之丨或複數領取人分別可領取的金額^及一或複數上述領取人之卡片號碼的上述匯款資料述匯款側資料處理裝置。、 1 6 ·如申請專利範圍第1 款系統，其中基於上述匯款結帳處理網路從上述匯款側至15項中任一項所述之海外匯資料之匯款處理係利用國際間資料處理裝置至上述領取側』1285817 Sixth, the scope of application for patents. 1 4· A remittance system for the sea, which performs remittance from the country on the remittance side to the country on the receiving side, and is characterized by: including: a remittance side data processing device, which is installed in the country on the remittance side; and a receiving side data processing device, setting The above-mentioned receiving side data processing device is a card in which a card number is distributed in advance to a plurality of recipients, and the above-mentioned remittance side data processing device will include a remittance for the remittance person. The amount of money collected by the plurality of recipients and the card number of one or more of the recipient's card numbers are transmitted to the receiving side data processing device using the international checkout processing network, and the receiving side data processing device is only The amount of use of the card of each of the above-mentioned recipients corresponding to one or more card numbers of the above-mentioned recipients included in the remittance data increases the amount of the above remittance. 1 5 · If you apply for the overseas remittance system described in item 14 of the patent application, which further includes a remittance window, receiving the remittance from the remittance person and one or more card numbers of the above recipients, and then including the above The remittance side data processing device of the above-mentioned remittance information of the card number of one or more of the above-mentioned recipients in respect of the remittance remitted by the remitter. , 1 6 · If the system of patent application scope 1 is applied, the remittance processing based on the above-mentioned remittance processing network from the remittance side to the foreign exchange data of any of the 15 items uses the international data processing device to The above receiving side

1285817 六、申請專利範圍 2 5 ·如申請專利範圍第2 2項所述之海外匯款系統，其中更包括有用以由上述虛擬加盟店戶頭進行提領動作之領取窗口。士 26·如申請專利範圍第22至25項中任一項所述之海外匯放系統’其中基於上述支付資料之匯款處理係利用國際間結帳處理網路從上述匯款側資料處理裝置至上述加盟店管理裝置來進行。 27· 一種海外匯款方法，執行從匯款側之國到領取側之國的匯款，其特徵在於包括下列步驟：設置步驟’設置在上述匯款侧之國所設置的匯款側資料處理裝置以及在上述領取侧之國所設置的領取側資料處理裝置；預先發行步驟，上述領取侧資料處理裝置係分別對領取人及匯款人預先發行2個分別被分派有具有聯結關係之卡片號碼的卡片；傳送步驟’上述匯款侧資料處理裝置係將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置；為步驟，當來自上述領取人之匯款領取要求跟上述取人之卡片號碼提示一起發生時，±述領取側資料處理置即確認由上述領取人所提示的上述領取人之卡片號碼上述匯款資料中所包含的上述匯款人之卡片號碼之間具1285817 VI. Scope of Application for Patent 2 5 · If you apply for the overseas remittance system described in item 2 of the patent scope, it also includes a window for extracting actions from the above-mentioned virtual franchise store account. The foreign exchange system of any one of claims 22 to 25, wherein the remittance processing based on the above payment data uses an international checkout processing network from the remittance side data processing device to the above Join the store management device to carry out. 27. A method of remittance of the sea, which performs remittance from the country on the remittance side to the country on the receiving side, and is characterized by the following steps: Setting step 'Setting the remittance side data processing device set in the country on the remittance side and receiving the above a receiving side data processing device provided in the country of the side; a pre-issuing step, the receiving side data processing device pre-issuing two cards respectively assigned a card number having a connection relationship to the recipient and the remitter; The remittance side data processing device transmits the remittance data including the remittance amount and the remittance card number of the remittance to the receiving side data processing device by using an international checkout processing network; When the remittance request from the above-mentioned recipient occurs together with the above-mentioned card number prompting, the data of the above-mentioned recipient's card number indicated by the above-mentioned recipient is confirmed. Between the card numbers of the above remitters

12858171285817

有聯結關係；以及准許領取步驟’當已確認雙方之上述卡片號碼具有聯、…關係時’准許上述領取人於上述匯款金額範圍内之領取行為。 28·如申請專利範圍第27項所述之海外匯款方法，其中更包括·設置匯款窗口之步驟；以及上述匯款窗口，係接收來自於上述匯款人之匯款及上述匯款人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置之步驟。 2 9·如申請專利範圍第27項所述之海外匯款方法，其中更包括：設置領取窗口之步驟；以及上述領取窗口，係接收來自於上述領取人之上述匯款領取要求及上述領取人之卡片號碼提示’再將包含有上述領取人之卡片號碼的領取資料傳送至上述領取侧資料處理裝置之步驟。 3 0 · —種海外匯款方法，執行從匯款側之國到領取側之國的匯款，其特徵在於包括下列步驟：設置步驟，設置在上述匯款側之國所設置的匯款側資料處理裝置以及在上述領取側之國所設置的領取側資料處理裝置；預先發行步驟，上述領取侧資料處理裝置係分別對領取人及匯款人預先發行2個分別被分派有具有聯結關係之卡片號碼的卡片；There is a connection relationship; and the permission to receive the step 'when the card number of the two parties has been confirmed to have a relationship with the other party' allows the recipient to receive the payment within the above-mentioned remittance amount. 28. The method for remittance of the sea as described in claim 27, further comprising the step of: setting a remittance window; and the remittance window receiving the remittance from the remitter and the card number of the remitter, and then The step of transmitting the above-mentioned remittance data including the remittance amount remitted by the remitter and the card number of the remitter to the remittance side data processing device. 2 9. The method for remittance of the sea as described in claim 27, which further comprises: a step of setting a receiving window; and the receiving window is to receive the above-mentioned remittance request from the recipient and the card of the recipient The number prompt 'receives the receiving data including the card number of the above-mentioned recipient to the receiving side data processing device. 3 0 · The method of remittance of the sea, the remittance from the country on the remittance side to the country on the receiving side, which is characterized by the following steps: The setting procedure is to set the remittance side data processing device set in the country on the remittance side and a receiving side data processing device installed in the receiving country; a pre-issuing step, wherein the receiving side data processing device issues two cards respectively assigned a card number having a connection relationship to the recipient and the remitter;

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傳送步驟’上述匯款側資匯款人所匯入之匯款金額及上資料利用國際間結帳處理網路理裝置；以及料處理裝置係將包含有上述述匯款人之卡片號碼的匯款來傳送至上述領取侧資料處增加使用帛度步冑，上述領取側資料處理纟置係僅將跟上述匯款資料中所包含的上述匯款人之卡片號碼具有聯結關係之上述領取人的卡片號碼相對應之上述領取人的卡片之使用額度增加上述匯款之金額。 3 1 ·如申請專利範圍第3 〇項所述之海外匯款方法，其中更包括··設置匯款窗口之步驟；以及上述匯款窗口，係接收來自於上述匯款人之匯款及上述匯款人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述匯款人之卡片唬碼的上述匯款資料傳送至上述匯款側資料處理裝置之步驟。 3 2·種海外匯款方法，執行從匯款侧之國到領取側之國的匯款，其特徵在於包括下列步驟：、设置步驟，設置在上述匯款側之國所設置的匯款側資料處理裝置以及在上述領取侧之國所設置的領取侧資料處理裝置； ' 預先發行步驟，上述領取侧資料處理裝置係對領取人預先發行分派有卡片號碼之卡片；傳送步驟，上述匯款侧資料處理裝置係將包含有匯款人所匯入之匯款金額及上述領取人之卡片號碼的匯款資料Transmitting step 'The remittance amount and the above data transferred by the remittance side remittance person use the international checkout processing network device; and the material processing device transmits the remittance including the card number of the remitter mentioned above to the above The receiving side data section increases the use degree step, and the receiving side data processing device only receives the above-mentioned card number corresponding to the card number of the above-mentioned recipient who has a connection relationship with the card number of the above-mentioned remitter included in the above-mentioned remittance data. The amount of the card used by the person increases the amount of the above remittance. 3 1 · The method of remittance of the sea as described in the third paragraph of the patent application, which further comprises the steps of: setting a remittance window; and the remittance window receiving the remittance from the remittance and the card number of the remittant And transmitting the above-mentioned remittance data including the remittance amount remitted by the above-mentioned remitter and the card number of the remitter to the remittance side data processing device. 3 2. The method of remittance of the sea, the remittance from the country on the remittance side to the country on the receiving side, which is characterized by the following steps:, setting steps, setting the remittance side data processing device set in the country on the remittance side and a receiving side data processing device installed in the receiving country; a pre-issuing step, the receiving side data processing device pre-issuing a card having a card number assigned to the recipient; and a transmitting step, the remittance side data processing device is included Remittance information of the remittance amount remitted by the remitter and the card number of the above recipient

1285817 """' -------- 六、申請專利範圍 " 利用國際間結帳處理網路來傳送至上述領取侧資料處理裝置； >確認步驟，當來自上述領取人之匯款領取要求跟上述領取人之卡片號碼提示一起發生時，上述領取側資料處理裝置即確認由上述領取人所提示的上述領取人之卡片號碼跟上述匯款資料中所包含的上述領取人之卡片號碼為一致；以及准許領取步驟，當已確認雙方之上述卡片號碼一致時’准許上述領取人於上述匯款金額範圍内之領取行為。 3 3.如申請專利範圍第3 2項所述之海外匯款方法，其中更包括：設置匯款窗口之步驟；以及上述匯款窗口，係接收來自於上述匯款人之匯款及上述領取人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述領取人之卡片就碼的上述匯款資料傳送至上述匯款側資料處理裝置之步驟。 34·如申請專利範圍第32項所述之海外匯款方法，其中更包括：設置領取窗口之步驟；以及上述領取窗口，係接收來自於上述領取人之上述匯款領取要求及上述領取人之ί、片號碼提示，再將包含有上述領取人之卡片號碼的領取貝料傳送至上述領取側資料處理裝置之步驟。 3 5·種海外匯款方法，執行從匯款側之國到領取側之國的匯款，其特徵在於包括下列步驟： "又置步驟’設置在上述匯款側之國所設置的匯款側資1285817 """' -------- VI. Application for patent scope" Use the international checkout processing network to transmit to the receiving side data processing device; > Confirmation step, when receiving from the above When the remittance request of the person occurs together with the card number prompt of the above-mentioned recipient, the receiving side data processing device confirms the card number of the recipient indicated by the recipient and the recipient of the above-mentioned remittance information The card number is the same; and the permitting step is to allow the recipient to receive the payment within the range of the above remittance amount when the card number of the two parties is confirmed to be the same. 3 3. The method for remittance of the sea as described in claim 32, further comprising: a step of setting a remittance window; and the remittance window receiving the remittance from the remitter and the card number of the recipient. And transmitting the above-mentioned remittance data including the remittance amount remitted by the above-mentioned remitter and the card number of the above-mentioned recipient to the remittance side data processing device. 34. The method for remittance of the sea as described in claim 32, further comprising: a step of setting a receiving window; and the receiving window receiving the above-mentioned remittance request from the recipient and the recipient's The piece number prompts, and then the step of transmitting the picked-up material containing the card number of the above-mentioned recipient to the receiving side data processing device. 3 5. The method of remittance of the sea, the remittance from the country on the remittance side to the country on the receiving side, which is characterized by the following steps: "step-by-step setting the remittance side set by the country on the remittance side

1285817 六' 中請專概目 -- 料處理裝置以及在上述領取側之國所設置的領取側資料處理裝置； ' 預先發行步驟，上述領取側資料處理裝置係對領取人預先發行分派有卡片號碼之卡片；傳送步驟，上述匯款侧資料處理裝置係將包含有匯款人所匯入之匯款金額及上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置；以及增加使用額度步驟，上述領取侧資料處理裝置係僅將跟上述匯款資料中所包含的上述領取人之卡片號碼相對應之上述領取人的卡片之使用額度增加上述匯款之金額。 3 6 ·如申請專利範圍第3 5項所述之海外匯款方法，其中更包括：設置匯款窗口之步驟；以及上述匯款窗口，係接收來自於上述匯款人之匯款及上述領取人之卡片號碼，再將包含有上述匯款人所匯入之匯款金額及上述領取人之卡片號碼的上述匯款資料傳送至上述匯款侧資料處理裝置之步驟。 3 7. —種海外匯款方法，執行從匯款侧之國到領取側之國的匯款，其特徵在於包括下列步驟：設置步驟’設置在上述匯款侧之國所設置的匯款側資料處理裝置以及在上述領取侧之國所設置的領取侧資料處理裝置；預先發行步驟，上述領取側資料處理裝置係對複數領1285817 Six's special outline - material handling device and receiving side data processing device set up in the receiving country; 'Pre-issuing step, the receiving side data processing device distributes the card number to the recipient in advance a card transfer process, wherein the remittance side data processing device transmits the remittance data including the remittance amount remitted by the remitter and the card number of the recipient to the receiving side data processing using an international checkout processing network And the step of increasing the usage quota, wherein the receiving side data processing device increases the amount of the credit card usage amount corresponding to the card number of the recipient corresponding to the card number of the recipient included in the money transfer data. 3 6 · The method for remittance of the sea as described in claim 35, further comprising: a step of setting a remittance window; and the remittance window receiving the remittance from the remitter and the card number of the recipient, And transmitting the above-mentioned remittance data including the remittance amount remitted by the remitter and the card number of the recipient to the remittance side data processing device. 3 7. The method of remittance of the sea, the remittance from the country on the remittance side to the country on the receiving side, which is characterized by the following steps: Setting step 'Set the remittance side data processing device set in the country on the remittance side and a receiving side data processing device installed in the country on the receiving side; a pre-issuing step, the receiving side data processing device is a plurality of collars

2010-4277-PF;ahddub.ptd 第69頁 — 1285817 六、申請專利範圍取人預先發行分別分派有相異卡片號碼之複數之卡片；傳送步驟，上述匯款側資料處理裝置係將包含有就匯款人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置；確認步驟，當來自上述領取人之匯款領取要求跟上述領取人之卡片號碼提示一起發生時，上述領取側資料處理裝置即確認由上述領取人所提示的上述領取人之卡片號碼跟上述匯款資料中所包含的1或複數上述領取人之卡片號碼中之一者為一致；以及准_領取步驟’當已確認上述一致時，准許已提出領取要求之上述領取人於該領取人之可領取金額範圍内之領取行為。 38·如申請專利範圍第37項所述之海外匯款方法，其中更包括··設置匯款窗口之步驛；以及上述匯款窗口，係接收來自於上述匯款人之匯款及一或複數上述領取人之卡片號碼，再將包含有就上述匯款人所匯入之匯款而言之1 或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理裝置之步驟。 3 9 ·如申請專利範圍第3 7項所述之海外匯款方法，其中更包括：設置領取窗口之步驟；以及上述領取窗口，係接收來自於上述領取人之上述匯款領取要求及上述領取人之卡片號碼提示，再將包含有上述領取人之卡片號碼的領2010-4277-PF; ahddub.ptd Page 69 - 1285817 VI. The scope of the patent application is pre-issued to distribute a card with a number of different card numbers. The transfer step, the above-mentioned remittance side data processing device will contain the remittance The amount of money remitted by the person or the remittance amount of one or more of the recipient's card number is transmitted to the receiving side data processing device using the international checkout processing network; a confirmation step, when the remittance request from the recipient occurs together with the card number prompt of the recipient, the receiving side data processing device confirms the card number of the recipient and the remittance information indicated by the recipient One of the included card numbers of the above-mentioned recipients is identical; and the quasi-_receiving step', when the above-mentioned agreement is confirmed, the range of the receivable amount of the above-mentioned recipient who has requested the claim is permitted The collection behavior within. 38. The method for remittance of the sea as described in claim 37, which further comprises the step of setting up a remittance window; and the remittance window receiving the remittance from the remittant and one or more of the above recipients The card number, and the above-mentioned remittance data including the amount of the remittance remitted by the remittance person or the remittance amount of one or more of the recipient's card number, respectively, is transmitted to the remittance side data processing The steps of the device. 3 9 · The method for remittance of the sea as described in claim 37, which further comprises: a step of setting a receiving window; and the receiving window is to receive the above-mentioned remittance request from the recipient and the recipient The card number prompt, and then the collar containing the card number of the above recipient

第70頁 1285817 六、申請專利範圍取資料傳、、，、4q 适至上述領取侧資料處理裝置之步驟。 · 種海外匯款方法，執行從匯款側之國到領取側之國的匯款，其特徵在於包括下列步驟：刺* "又置步驟’設置在上述匯款側之國所設置的匯款側資枓處理裝晋U Θ + L ^ 直以及在上述領取侧之國所設置的領取側資料處理裝置；預先發行步驟，上述領取側資料處理裝置係對複數領取人預先發行分派有卡片號碼之卡片；傳运步驟，上述匯款側資料處理裝置係將包含有就匯认人所匯入之匯款而言之1或複數領取人分別可領取的金額及一或複數上述領取人之卡片號碼的匯款資料利用國際間結帳處理網路來傳送至上述領取側資料處理裝置；以及增加使用額度步驟，上述領取側資料處理裝置係僅將跟上述匯款資料中所包含的1或複數上述領取人之卡片號碼相對應之各個上述領取人的卡片之使用額度增加上述u 款之金額。 41·如申請專利範圍第4〇項所述之海外匯款方法，其中更包括：設置匯款窗口之步驟；以及上述匯款窗口，/係接收來自於上述匯款人之匯款及一或複數上述領取人之卡' 片號碼，再將包含有就上述匯款人所匯入之匯款而言之工或複數領取人分別可領取的金額及一或複數上述領^人之卡片號碼的上述匯款資料傳送至上述匯款側資料處理之步驟。、Page 70 1285817 VI. Scope of application for patents The data transmission, ,, and 4q are suitable for the above-mentioned receiving side data processing device. · The method of remittance of the sea, the remittance from the country on the remittance side to the country on the receiving side, which is characterized by the following steps: 刺 * " step by step - set the remittance side of the country set up on the remittance side装金U Θ + L ^ straight and the receiving side data processing device set in the country of the receiving side; a pre-issuing step, the receiving side data processing device pre-issuing a card with a card number to the plurality of recipients; In the step, the remittance side data processing device utilizes an international amount between the amount of one or a plurality of recipients and the remittance data of one or more of the recipient's card numbers respectively included in the remittance remitted by the remittance person. a billing processing network for transmitting to the receiving side data processing device; and a step of increasing the usage amount, the receiving side data processing device only corresponding to one or more of the recipient's card numbers included in the remittance data The amount of use of each of the above-mentioned recipients' cards is increased by the amount of the above paragraphs. 41. The method for remittance of the sea as set forth in claim 4, further comprising: a step of setting a remittance window; and the remittance window, / receiving remittances from the remitter and one or more of the recipients The card's film number, and then the above-mentioned remittance data including the amount of the work or plural recipients and the card number of one or more of the above-mentioned recipients for the remittances remitted by the above-mentioned remitter Side data processing steps. ,

1285817 六、申請專利範圍 49·如申請專利範圍第48項戶斤述之海外匯款方法，其中更包括：設置匯款窗口之步驟；以^上述匯款窗口，係接收來自於上述匯款人之匯款及眞款前之上述加盟店號碼’再將包含有上述匯款人所匯入之金額及上述加盟店號碼的資料傳送至上述匯款側資料處理裝置之步驟。 5〇·如申請專利範圍第48項所述之海外匯款方法，其中更包括··設置領取窗口之步騍；以及上述領取窗口，係接收來自於上述虛擬加盟店戶頭之開设要求，再將戶頭開設資料傳送至上述加盟店管理裝置之步驟。 5 1 ·如申請專利範圍第48項所述之海外匯款方法，其中更包括：設置領取窗口之步驟；以及以於上述領取窗口中由上述虛擬加盟店戶頭進行提領動作之步驟。 52·如申請專利範圍第48至51項中任一項所述之海外匯款方法，其中更包括：基於上述支付資料之匯款處理係利用國際間結帳處理網路從上述匯款側資料處理裝置至^ 述加盟店管理裝置來進行之步驟。 41285817 VI. Application for Patent Scope 49. If the application for patent coverage is the 48th item, the method of remittance of the sea, including: the step of setting up the remittance window; the above remittance window, receiving remittances from the above remitters and 眞The above-mentioned franchise store number ' before the payment is transmitted to the above-mentioned remittance side data processing device, including the amount of the remitter and the franchise number. 5〇·If you apply for the overseas remittance method described in item 48 of the patent application, which further includes the steps of setting up the receiving window; and the receiving window is to receive the opening request from the above-mentioned virtual franchise account, and then The step of transmitting the account opening information to the above-mentioned affiliate store management device. 5 1 · The method of claiming the sea remittance described in claim 48, further comprising: a step of setting a receiving window; and a step of extracting the action by the virtual franchise account in the receiving window. The method of remittance according to any one of claims 48 to 51, further comprising: the remittance processing based on the payment data is performed by using the international checkout processing network from the remittance side data processing device to ^ The steps to perform the franchise management device. 4

2010-4277-PF;ahddub.ptd 第75頁2010-4277-PF; ahddub.ptd第75页