TWI382365B - Non-card based electronic wallet system - Google Patents
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- TWI382365B TWI382365B TW98103787A TW98103787A TWI382365B TW I382365 B TWI382365 B TW I382365B TW 98103787 A TW98103787 A TW 98103787A TW 98103787 A TW98103787 A TW 98103787A TW I382365 B TWI382365 B TW I382365B
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Description
本發明係關於一種電子錢包系統，尤指一種無卡式電子錢包系統。 The present invention relates to an electronic wallet system, and more particularly to a cardless electronic wallet system.
隨著晶片卡技術和近場通訊(Near Field Communication，簡稱NFC)技術的發展，電子錢包之發展有了明顯的突破，台北捷運悠遊卡即是電子錢包的一最常見的運用。而近來，電子錢包亦受到許多商家的重視，例如香港地區所使用的「八達通卡」，即是利用一內存電子錢資料之晶片卡作為電子錢包而取代現金的應用，該晶片卡完成儲值後就可變成電子錢包，消費時只要將該晶片卡***讀卡機，便能完成付款，並省去消費者攜帶現金及找零的麻煩。 With the development of chip card technology and Near Field Communication (NFC) technology, the development of electronic wallet has made a significant breakthrough. The Taipei MRT leisure card is one of the most common applications of electronic wallet. Recently, e-wallets have also been valued by many merchants. For example, the "Octopus Card" used in Hong Kong is an application that uses a chip card with a memory electronic money data as an electronic wallet instead of cash. After the chip card is stored, It can be turned into an electronic wallet, and the payment can be completed by inserting the wafer card into the card reader, and the trouble of carrying cash and changing the consumer is saved.
然也因目前的電子錢包均是卡片型態，無論儲值或是消費，消費者都必須攜帶該電子錢包卡片，方可使用存放其中的電子錢，或是以於其中儲值電子錢付款，對消費者而言，不但不方便，更有遺失電子錢包卡片之風險；此外，由於一張卡片即代表一電子錢包，因此一個電子錢包卡片在同一時間只能由持卡人一人以之消費或對之儲值，故目前的電子錢包在應用上仍有待進一步檢討改進。 However, because the current e-wallet is a card type, regardless of the stored value or consumption, the consumer must carry the e-wallet card in order to use the electronic money stored therein, or to pay for the electronic money stored therein. For the consumer, it is not only inconvenient, but also the risk of losing the e-wallet card; in addition, since one card represents an e-wallet, an e-wallet card can only be consumed by the cardholder at the same time or For the stored value, the current e-wallet still needs further review and improvement in its application.
為提供更便利的電子錢包，本發明之主要目的在提供一種無卡式電子錢包系統，其不使用卡片亦毋須消費者隨身攜帶，對消費者而言，使用上極為便利。 In order to provide a more convenient electronic wallet, the main object of the present invention is to provide a cardless electronic wallet system which does not require a card to be carried by the consumer, and is extremely convenient for the consumer.
為達成前述目的所採取之主要技術手段係令前述無卡式電子錢包系統包括：一管理平台，係儲存有使用者資訊及對應使用者資訊的存放金額；一電子錢存提操作平台，係連接該管理平台，並供消費者輸入使用者資訊、儲值金額及所需金額，又該電子錢存提操作平台係儲存有一提領程序及一儲值資料提供程序，其中：該提領程序係令該電子錢存提操作平台於取得使用者資訊及所需金額時，通知該管理平台將對應該取得之使用者資訊的存放金額減去所需金額，且由該電子錢存提操作平台提供一記載有所需金額之有形電子錢代幣；該儲值資料提供程序係令該電子錢存提操作平台於取得使用者資訊及儲值金額時，產生一包含儲值金額及使用者資訊的儲值資料；及一儲值平台，係連接該管理平台，當取得儲值資料時，即通知該管理平台將儲值金額加計至對應取得之儲值資料中使用者資訊的存放金額。 The main technical means for achieving the foregoing objectives is that the cardless electronic wallet system includes: a management platform that stores user information and a corresponding amount of user information; an electronic money depositing operation platform is connected The management platform, and for the consumer to input the user information, the stored value and the required amount, and the electronic money deposit operation platform stores a withdrawal procedure and a stored value data providing program, wherein: the withdrawal program system In order to obtain the user information and the required amount, the electronic money depositing operation platform notifies the management platform to subtract the required amount of the user information corresponding to the user information, and the electronic money depositing operation platform provides A tangible electronic money token containing the required amount; the stored value data providing program causes the electronic money depositing operation platform to generate a stored value amount and user information when obtaining user information and stored value amount Stored value data; and a stored value platform, which is connected to the management platform. When the stored value data is obtained, the management platform is notified to add the stored value to the corresponding The amount of data was stored value stored in the user information.
利用上述技術手段，本電子錢包系統可讓消費者容易地儲值或取用內存的電子錢，因此對消費者而言，無論在使用上或付款上均具有較佳的便利性；再者，本電子錢包系統更因毋須使用卡片，而無同一時間只能由持卡人一人使用消費或儲值的限制，因此在使用上較現有電子錢包卡 片更為便利。 By using the above technical means, the electronic wallet system allows the consumer to easily store or access the electronic money of the memory, so that the consumer has better convenience in terms of use or payment; This e-wallet system is more in need of the use of cards, and at the same time, only the cardholder can use the consumption or stored value limit, so the existing e-wallet card is used. The film is more convenient.
關於本發明之一較佳實施例，請參閱第一圖所示，係包括一管理平台(10)、一電子錢存提操作平台(20)及一儲值平台(30)。 For a preferred embodiment of the present invention, please refer to the first figure, which includes a management platform (10), an electronic money depositing operation platform (20), and a stored value platform (30).
上述管理平台(10)係儲存有使用者資訊及對應使用者資訊的存放金額，其中該使用者資訊則可包括但不限制有：使用者帳號及使用者密碼；於本實施例中，該管理平台(10)係為一連線網際網路(40)的伺服器。 The management platform (10) stores the user information and the corresponding user information storage amount, wherein the user information may include, but is not limited to, a user account and a user password; in this embodiment, the management The platform (10) is a server connected to the Internet (40).
上述電子錢存提操作平台(20)係連接該管理平台(10)，並供消費者輸入使用者資訊、儲值金額及所需金額，又該電子錢存提操作平台(20)係儲存有一提領程序及一儲值資料提供程序，其中：該提領程序係令該電子錢存提操作平台(20)於取得使用者資訊及所需金額時，通知該管理平台(10)將對應該取得之使用者資訊的存放金額減去所需金額，且由該電子錢存提操作平台(20)提供一記載有所需金額之有形電子錢代幣；該儲值資料提供程序係令該電子錢存提操作平台(20)於取得使用者資訊及儲值金額時，產生一包含儲值金額及使用者資訊的儲值資料。 The electronic money depositing operation platform (20) is connected to the management platform (10), and is provided for the consumer to input user information, the stored value and the required amount, and the electronic money depositing and operating platform (20) stores one a withdrawal procedure and a stored value data providing program, wherein: the withdrawal procedure causes the electronic money deposit operation platform (20) to notify the management platform (10) when the user information and the required amount are obtained The amount of the user information obtained is subtracted from the required amount, and the electronic money depositing operation platform (20) provides a tangible electronic money token containing the required amount; the stored value data providing program causes the electronic The money deposit operation platform (20) generates a stored value data including the stored value and the user information when the user information and the stored value are obtained.
於本實施例中，該電子錢存提操作平台(20)可為任一能供輸入使用者資訊、儲值金額及所需金額的電子裝置，於本實施例中係以一設於一般便利商店，且透過網際網路 (40)連線該管理平台(10)的多媒體資訊機(multimedia kiosk，簡稱MMK機)舉例，其中該有形電子錢代幣係為一由該MMK機自行列印之付款憑單，該付款憑單上係印有代表所需金額的條碼，而該儲值資料以條碼形式顯示於一由該MMK機自行列印之繳費單上。 In this embodiment, the electronic money depositing and operating platform (20) can be any electronic device capable of inputting user information, stored value, and required amount. In this embodiment, it is set in a general convenience. Shop and through the internet (40) An example of a multimedia kiosk (MMK machine) connected to the management platform (10), wherein the tangible electronic money token is a payment voucher printed by the MMK machine, the payment voucher A bar code representing the required amount is printed, and the stored value data is displayed in bar code on a bill printed by the MMK machine.
請進一步參閱第二圖所示，於本實施例中，該提領程序係包括下列步驟：取得使用者資訊(201)；自管理平台中取出對應該取得之使用者資訊的存放金額(202)；顯示存放金額(203)，供消費者了解目前之可用餘額；取得所需金額(204)；判斷所需金額是否大於存放金額(205)；若是則顯示一餘額不足之提示訊息(206)，並結束(207)流程，反之則繼續進行下列步驟；通知管理平台將對應該取得之使用者資訊的存放金額減去所需金額(208)，並由該管理平台(10)將所得之差值取代原本的存放金額；提供一記載有所需金額之有形電子錢代幣(209)，係以雷射感應紙列印該付款憑單。 Please refer to the second figure. In the embodiment, the method for extracting the program includes the following steps: obtaining user information (201); and taking out the deposit amount of the user information that should be obtained from the management platform (202) Display the deposit amount (203) for the consumer to know the current available balance; obtain the required amount (204); determine whether the required amount is greater than the deposited amount (205); if yes, display a reminder message that the balance is insufficient (206), And ending (207) the process, otherwise proceeding with the following steps; notifying the management platform to subtract the required amount (208) from the deposited amount of the user information that should be obtained, and the difference obtained by the management platform (10) Replace the original deposit amount; provide a tangible electronic money token (209) with the required amount, and print the payment voucher with laser sensor paper.
上述儲值平台(30)係連接該管理平台(10)，當取得儲值資料時，即通知該管理平台(10)將儲值金額加至對應取得之儲值資料中使用者資訊的存放金額；於本實施例中，係令消費者持該繳費單於設有該MMK機(即電子錢存提操作平台(20))的便利商店繳款，而便利商店之收銀機即是該 儲值平台(30)，由該收銀機之條碼讀取機(31)讀取繳費單上的儲值資料條碼。 The above-mentioned stored value platform (30) is connected to the management platform (10). When the stored value data is obtained, the management platform (10) is notified to add the stored value to the stored amount of the user information in the corresponding stored value data. In this embodiment, the consumer is required to pay the bill in a convenience store provided with the MMK machine (ie, the electronic money depositing operation platform (20)), and the cash register of the convenience store is the same. The stored value platform (30) reads the stored value data barcode on the payment slip by the barcode reader (31) of the cash register.
又請進一步參閱第三圖所示，於本實施例中，當欲對本電子錢包系統儲值時，係由消費者至一使用本電子錢包系統之便利商店中，於便利商店內的MMK機(即電子錢存提操作平台(20))中輸入使用者資訊及儲值金額，令該電子錢存提操作平台(20)列印一包含使用者資訊及儲值金額之儲值資料條碼(211)的繳費單(21)，供消費者持該繳費單(21)至便利商店櫃檯，由便利商店之店員以收銀機(即該儲值平台(30))之條碼讀取機(31)讀取繳費單(21)上的儲值資料條碼(211)，當店員向消費者收取對應儲值金額的款項後，由該儲值平台(30)將該儲值資料發送予該管理平台(10)，令該管理平台(10)將儲值金額加上對應取得之儲值資料中使用者資訊的存放金額，並將所得之和取代原本的存放金額。 Please refer to the third figure again. In this embodiment, when the value is to be stored in the electronic wallet system, the MMK machine in the convenience store is used by the consumer to a convenience store using the electronic wallet system ( That is, the user money information and the stored value amount are input in the electronic money depositing operation platform (20), so that the electronic money depositing operation platform (20) prints a stored value data barcode containing the user information and the stored value amount (211). a bill of payment (21) for the consumer to hold the bill (21) to the convenience store counter, and the store clerk of the convenience store reads the barcode reader (31) of the cash register (ie the stored value platform (30)) The stored value data barcode (211) on the payment slip (21) is sent to the management platform by the stored value platform (30) after the clerk collects the amount corresponding to the stored value from the consumer (10). ), the management platform (10) adds the stored value to the deposit amount of the user information in the stored value data, and replaces the original deposit amount with the sum.
而如第四圖所示，於本實施例中，當消費者欲至一設有本電子錢包系統的便利商店消費購物時，消費者可於便利商店內的電子錢存提操作平台(20)輸入使用者資訊及所需金額，將使用者資訊及所需金額傳送至該管理平台(10)，令該管理平台(10)將對應該取得之使用者資訊的存放金額減去所需金額，且將所得之差值取代原本的存放金額，並由該電子錢存提操作平台(20)列印一具有代表所需金額的條碼(221)的付款憑單(22)，供消費者持該付款憑單(22)及所欲購買物品至便利商店櫃檯結帳，由便利商店之店員以該儲值平台(30)之條碼讀取機(31)讀取付款憑單(22)上的所 需金額條碼(221)，即可以該付款憑單作為現金使用，購買所需物品。 As shown in the fourth figure, in the embodiment, when the consumer wants to go to a convenience store with the electronic wallet system to consume shopping, the consumer can deposit the operation platform in the convenience store (20). Enter the user information and the required amount, and transfer the user information and the required amount to the management platform (10), so that the management platform (10) will subtract the required amount from the deposited amount of the user information that should be obtained. And the difference is replaced by the original deposit amount, and the electronic money depositing operation platform (20) prints a payment voucher (22) having a bar code (221) representing the required amount for the consumer to hold the payment. The vouchers (22) and the items to be purchased are checked out at the convenience store counter, and the store clerk of the convenience store reads the payment vouchers (22) on the bar code reader (31) of the stored value platform (30). The required amount barcode (221), that is, the payment voucher can be used as cash to purchase the required items.
由上述可知，本電子錢包系統毋須消費者隨身攜帶卡片，僅需至該電子錢存提操作平台(20)操作輸入使用者資訊及所需金額或儲值金額，消費者即可取得該電子錢代幣用以付款消費，或是取得該儲值資料，以現金付款方式對電子錢包系統進行儲值；此外，共同知悉使用者資訊的消費者，可同時於不同位置處所對本電子錢包系統儲值或是提取所需之電子錢，故並無現有電子錢包在同一時間只能由持卡人一人使用消費或儲值的限制。 It can be seen from the above that the electronic wallet system does not require the consumer to carry the card with him or her, and only needs to input the user information and the required amount or the stored value amount to the electronic money depositing operation platform (20), and the consumer can obtain the electronic money. The token is used for payment, or the stored value data is obtained, and the electronic wallet system is stored in cash. In addition, the consumer who knows the user information at the same time can store the value in the electronic wallet system at different locations. Or to extract the required electronic money, there is no existing e-wallet that can only be used by the cardholder at the same time to limit consumption or stored value.
惟本發明雖已於前述實施例中所揭露，但並不僅限於前述實施例中所提及之內容，在不脫離本發明之精神和範圍內所作之任何變化與修改，均屬於本發明之保護範圍。 However, the present invention has been disclosed in the foregoing embodiments, but is not limited to the contents mentioned in the foregoing embodiments, and any changes and modifications made without departing from the spirit and scope of the invention belong to the protection of the present invention. range.
綜上所述，本發明已具備顯著功效增進，並符合發明專利要件，爰依法提起申請。 In summary, the present invention has been significantly improved in effectiveness, and meets the requirements of the invention patent, and filed an application in accordance with the law.
(10)‧‧‧管理平台 (10) ‧‧‧Management platform
(20)‧‧‧電子錢存提操作平台 (20)‧‧‧Electronic money deposit operation platform
(21)‧‧‧繳費單 (21)‧‧‧ Bills of Payment
(211)‧‧‧儲值資料條碼 (211) ‧ ‧ stored value data barcode
(22)‧‧‧付款憑單 (22)‧‧‧ Payment voucher
(221)‧‧‧所需金額條碼 (221)‧‧‧ Required amount barcode
(30)‧‧‧儲值平台 (30) ‧‧ ‧ stored value platform
(31)‧‧‧條碼讀取機 (31)‧‧‧Barcode reader
(40)‧‧‧網際網路 (40)‧‧‧ Internet
第一圖：係本發明一較佳實施例之系統方塊圖。 First Figure: A block diagram of a system in accordance with a preferred embodiment of the present invention.
第二圖：係本發明一較佳實施例中一提領程序之流程圖。 Second Figure: A flow chart of a dereference program in a preferred embodiment of the present invention.
第三圖：係本發明一較佳實施例之儲值工作流程圖。 Third Figure: Flowchart of a stored value operation in accordance with a preferred embodiment of the present invention.
第四圖：係本發明一較佳實施例之提用電子錢工作流程圖。 Fourth: A flow chart of the work of using electronic money in a preferred embodiment of the present invention.
(10)‧‧‧管理平台 (10) ‧‧‧Management platform
(20)‧‧‧電子錢存提操作平台 (20)‧‧‧Electronic money deposit operation platform
(21)‧‧‧繳費單 (21)‧‧‧ Bills of Payment
(211)‧‧‧儲值資料條碼 (211) ‧ ‧ stored value data barcode
(30)‧‧‧儲值平台 (30) ‧‧ ‧ stored value platform
(31)‧‧‧條碼讀取機 (31)‧‧‧Barcode reader
(40)‧‧‧網際網路 (40)‧‧‧ Internet
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| TW98103787A TWI382365B (en) | 2009-02-06 | 2009-02-06 | Non-card based electronic wallet system |
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| TW98103787A TWI382365B (en) | 2009-02-06 | 2009-02-06 | Non-card based electronic wallet system |
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| TW201030685A TW201030685A (en) | 2010-08-16 |
| TWI382365B true TWI382365B (en) | 2013-01-11 |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI738143B (en) * | 2019-10-23 | 2021-09-01 | 南韓商看買樂有限公司 | Method and system for providing foreign currency exchange services based on net exchange demand between countries |
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| Publication number | Publication date |
|---|---|
| TW201030685A (en) | 2010-08-16 |
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