M431379 五、新型說明： 【新型所屬之技術領域】 [0001] 本創作係關於一種無纸化交易系統，尤指一種可使 用各式卡片或標籤、不怕遺失、盜刷及側錄且可跨系統 整合之無紙化交易系統。 【先前技術】 [0002] 電子錢包是商務活動中顧客常用的一種支付工具， • 在小額購物或購買小額商品時常用的新式錢包。目前， 全球已有很多國家正在建立電子交易系統以便取代現金 交易的模式。 [0003] • 請參閱第1圖，係習用電子錢包使用狀態之示意圖 電子錢包疋由晶片卡（1C卡）發展而來的，是一種具有 存健值功能的晶片卡16，亦即在卡片中設有晶片161可供 用存取資料。晶片卡16中儲存有來自銀行或用戶自行儲 存的現金額度或其他各種電子貨幣，可以在正確裝配所 屬電子錢包系統的銷售點之收銀機（p〇s)12上消費。 [0004] 一般而言，收銀機12上設有一顯示器121、一操作鍵 盤123及一讀卡機14 ^當晶片卡16***讀卡機14之後， 收銀機12即可經由讀卡機14讀取晶片161中儲存的電子現 金資訊◊收銀員可利用操作鍵盤丨23選擇收銀機丨2之功能 ，例如消費扣除金額、儲值增加金額或餘額查詢等，並 於顯示II121顯*所進行的操作供錢者觀看。確認無誤 後，即將更新的電子現金資訊寫入晶片卡16的晶月土中 表單編號A0101 第3頁/共22頁 M431379 [0005] 另有部分電子錢包系統採用射頻辨識卡做為電子現 金的載體。其主要係於卡片中設置一射頻標籤（RFID)， 利用射頻標籤儲存電子現金相關資料。此一系統同樣可 使用射頻標籤之讀卡機進行射頻辨識卡中射頻標籤之資 料存取，其餘的操作與上述晶片卡系統類似。 [0006] 前述之電子錢包系統雖可以一塑膠卡片取代現金進 行小額商品或服務之交易，但各商家採用之系統互'不相 容，對於不同系統的商家需分別購買或辦理卡片，導致 使用者需隨身攜帶多張卡片的狀況，既不方便也不環保 〇 [0007] 此外，多數電子錢包系統之卡片為不記名卡片，使 用者若遺失卡片等同遺失現金，可追回的機會相當渺茫 。因此，目前市面上現有的電子錢包系統，使用上仍存 在相當的風險* [0008] 另有廠商引進近距離無線通訊（Near Field Com-munication，NFC)技術，在智慧型手機中設置NFC控制 晶片與天線，以及防干擾之安全晶片（secure ele-ment)，並以應用程式控制系統之運作與資料的儲存。以 電子錢包之應用而言，雖可提高其安全性，但其載體需 使用智慧型手機，本身成本已經過高。且為配合NFC技術 而需增加元件及修改智慧型手機之電路架構，其耗費的 有形與無形成本，將會對其普及率造成重大的影響。 【新型内容】 [0009] 本創作之一目的，在於提供一種無紙化交易系統， 尤指一種可使用各式卡片或標籤、不怕遺失、盜刷及側 表單编號A0101 第4頁/共22頁 [0010]M431379 錄且可跨I㉔合之無紙化交易系統。 置本創作之又一目的，在於提供一種無紙化交易系統 、=係利用—伺服器儲存會員之帳戶及點數資料， 單元以特徵碼載體驗證身份後進行消費及儲值等 動作’可確保電子現金及紅利點數屬於該會員β [0011]M431379 V. New Description: [New Technology Field] [0001] This creation is about a paperless trading system, especially one that can use all kinds of cards or labels, is not afraid of loss, stealing and recording, and can be cross-system. Integrated paperless trading system. [Prior Art] [0002] An e-wallet is a payment tool commonly used by customers in business activities, and a new wallet that is commonly used in small purchases or purchases of small items. At present, many countries around the world are establishing electronic trading systems to replace the cash trading model. [0003] Please refer to FIG. 1 , which is a schematic diagram of the state of use of the electronic wallet. The electronic wallet is developed from a chip card (1C card), and is a chip card 16 having a function of storing value, that is, in a card. A wafer 161 is provided for accessing data. The chip card 16 stores cash credits or other various electronic money stored from the bank or the user, which can be consumed at the cash register (p〇s) 12 of the point of sale of the electronic wallet system that is properly assembled. [0004] Generally, the cash register 12 is provided with a display 121, an operation keyboard 123 and a card reader 14. After the wafer card 16 is inserted into the card reader 14, the cash register 12 can be read via the card reader 14. The electronic cash information stored in the chip 161 can be used by the cashier to select the function of the cash register ,2, such as the consumption deduction amount, the stored value increase amount or the balance inquiry, etc., and the operation performed by the display II121 is provided. The money watched. After confirmation, the electronic cash information to be updated will be written into the crystal moon of the wafer card. Form No. A0101 Page 3 of 22 M431379 [0005] Some electronic wallet systems use the RFID card as the carrier of electronic cash. . It mainly installs a radio frequency tag (RFID) in the card, and uses the radio frequency tag to store electronic cash related information. This system can also use the RFID tag reader to access the RF tags in the RFID card. The rest of the operation is similar to the above chip card system. [0006] Although the aforementioned electronic wallet system can replace the cash for a small commodity or service transaction, the system adopted by each merchant is incompatible with each other, and the merchants of different systems need to separately purchase or handle the card, resulting in the user. The situation of carrying multiple cards with you is neither convenient nor environmentally friendly. [0007] In addition, most of the cards in the electronic wallet system are anonymous cards. If the user loses the card and loses cash, the chance of recovery is quite slim. Therefore, the existing electronic wallet system currently on the market still has considerable risks in use* [0008] Another manufacturer introduces Near Field Com-munication (NFC) technology to set up NFC control chips in smart phones. And the antenna, as well as the secure ele-ment, and the application control system to operate and store the data. In the case of e-wallet applications, although it can improve its security, its carrier needs to use smart phones, and its cost is already too high. In order to cooperate with NFC technology, it is necessary to add components and modify the circuit architecture of smart phones. The tangible and intangible cost will have a significant impact on its popularity. [New Content] [0009] One of the purposes of this creation is to provide a paperless trading system, especially one that can use a variety of cards or labels, not afraid of loss, stolen brush and side form number A0101 Page 4 of 22 Page [0010] M431379 is a paperless trading system that can be combined across I24. Another purpose of this creation is to provide a paperless trading system, the use of the server to store the member's account and the point data, and the unit to verify the identity with the signature carrier and then perform the actions of consumption and stored value. Electronic cash and bonus points belong to the member beta [0011]
[0012] 本創作之X一目的’在於提供—種無紙化交易系統 於消費時除特徵碼載體驗證身份之外，尚可由會員輸 入Φ碼’，可提供電子交易之雙重驗證保障。 本創作之X一目的，在於提供-難紙化交易系統 各店豕單凡依設定條件將一回饋點數儲存於對應之店 家帳戶，並與词服器中對應之會員帳戶之對應屬性點數 進行同步》 _] 本創作之又-目的，在於提供-種無紙化交易系統 其中各店豕之回饋點數及會員帳戶中之點數屬性可選 擇為店家禮卷點數、現金點數、紅利馳、折扣金點數 及特定提貨點數之其中之一。 _] 本創作之又—目的，在於提供-種缺化交易系統 ，其中各店家單元可於店家平台_設定词服器中各屬性 點數之使用條件》 [0015] 本創作之又一目的，在於提供一種無紙化交易系統 ，尚包含有複數個物流站點，可分別於讀取特徵碼並由 會員輸入密碼後，根據對應的特定提貨點數提取貨物。 本創作之又一目的，在於提供一種無紙化交易系統 ，其會員帳戶及店家帳戶建立後，伺服器及店 可 表單編號Α0101 第5頁/共22頁 豕平〇可 [0016] [0017]M431379 [0018] [0019] [0020] [0021] 選擇以簡訊、電子郵件、郵寄 '列印、聲播及其組合式 之其中一種方式傳送密碼給會員。 本創作之又一目的，在於提供一種無紙化交易系統 ，其會員代碼可選擇為一身份證字號、一護照號碼、一 電話號碼、一行動電話號碼、一電子郵件信箱、一公司 統一編號、一特定帳戶及其組合式之其中之一。 本創作之又一目的，在於提供一種無紙化交易系統 ，其中該伺服器及店家平台於建立會員帳·戶與店家帳戶 時，可要求會員輸入並確認該帳戶之密碼。 本創作之又一目的，在於提供一種無紙化交易系統 ，其中該特徵碼載體可選擇為一晶片卡、一射頻辨識卡 、一射頻標籤、一條碼、一二維條碼、一QR碼、一磁條 卡及其組合式之其中之一。 本創作之又一目的，在於提供一種無紙化交易系統 ，其中該讀取機可選擇為一晶片卡讀取機、一射頻標籤 讀取機、一條碼讀取機、一二維條碼讀取機、一快速反 應碼讀取機、磁條讀取機及其組合式之其中之一。 本創作之又一目的，在於提供一種無紙化交易系統 ，其中該特徵碼載體可選擇為一身份證、一健保卡、一 悠遊卡、一 iCash卡、一臺灣通卡、---通卡、一信用 卡、一金融卡、一現金卡、一交通卡、一八達通卡及會 員卡之其中之一。 本創作之又一目的，在於提供一種無紙化交易系統 ，其中各會員可藉由網路登入該伺服器進行帳戶管理、 表單编號A0101 第6頁/共22頁 [0022] 查詢及特徵碼載體變更或停用等動作β [0023] 本創作之又-目的，在於提供-種無紙化交易系統 ’其中各會員可藉由網路登入各店家平台進行消費並 至各物流站點提取貨物。 [剛 &達成上述目的，本創作提供-種減化交易系統 ，包含有·一伺服器，設有一管理平台及一會員資料庫 ，該官理平台用以提供會員帳戶之建立與管理功能，該 會員-貝料庫用以儲存各會員帳戶之帳戶資料、各會員帳 戶所對應之一特徵碼、複數値點數及各點數之屬性；複 數個店家單元，各店家單元分別通過一網路連接該伺服 器，各店家單元分別設有一店家平台、一店家資料庫、 概α裝置、一特徵碼讀取機及一會員鍵盤，該店家平 台用以提供店家帳戶之建立與管理功能及帳務計算功能 ，該店家資料庫用以儲存對應於各店家帳戶之消費資訊 ’該櫃台裝置用以操作店家單元之各項功能；及複數個 特徵碼載體，分別對應於各會員帳戶，各特徵碼載體分 別儲存有一特徵碼；其中，各會員可持對應之特徵碼載 體’利用各店家單元之特徵碼讀取機讀取特徵碼，並以 會員鍵盤鍵入密碼後，進行消費結帳、儲值、餘額查言句 及其組合式之其中一種活動，當各點數有異動時，即自 動更新伺服器中會員帳戶所對應之各點數。 〇〇25] 上述無紙化交易系統之一實施例，其中該各會員藉 用該店家單元而進行一消費結帳，該櫃台裝置將該消費 資訊傳送至該店家平台，並儲存於店家資料庫中對應之 該店家帳戶。 表單編號Α0101 第7頁/共22頁 [0026]M431379 [0027] [0028] [0029] [0030] [0031] [0032] 上述無紙化交易系統之一實施例，當各店家平台判 斷各店家帳戶之消費資訊符合一回饋條件時，可將一回 饋點數儲存於對應之店家帳戶，並與伺服器中對應之會 員帳戶之對應屬性點數進行同步。 上述無紙化交易系統之一實施例，其中各店家之回 饋點數可選擇為店家禮卷點數、現金點數、紅利點數、 折扣金點數及特定提貨點數之其中之一。 上述無紙化交易系統之一實施例，其中各會員帳戶 中各點數之屬性可選擇為各店家禮卷、現金、各店家紅 利、各店家折扣金及特定提貨點之其中之一。 上述無紙化交易系統之一實施例，其中各店家單元 可於店家平台中設定伺服器中各屬性之點數之使用條件 〇 上述無紙化交易系統之一實施例，尚包含有複數個 物流站點，分別通過該網路連接該伺服器，各物流站點 包含有一物流平台、一特徵碼讀取機及一會員鍵盤，可 分別於讀取特徵碼載體中的特徵碼，並由會員以會員鍵 盤輸入密碼後，根據對應的特定提貨點數提取貨物。 上述無紙化交易系統之一實施例，其中該櫃台裝置 可為一收銀機。 上述無紙化交易系統之一實施例，其中使用者可於 任一櫃台裝置輸入一會員代碼，並由使用者或系統提供 一特徵碼載體以特徵碼讀取機讀取特徵碼，即可於該伺 服器中建立一會員帳戶，並於店家單元中建立一店家帳 表單編號A0101 第8頁/共22頁 M431379 戶0 [0033] 上述無紙化交易系統之一實施例，其中若店家平台 判斷會員首次於該店消費，則根據該會員帳戶及特徵碼 於該店家平台建立一店家帳戶。 [0034] 上述無紙化交易系統之一實施例，其中該會員代碼 可選擇為一身份證字號、一護照號碼、一電話號碼、一 行動電話號碼、一電子郵件信箱、一公司統一編號、一 特定帳戶、一條碼及其組合式之其中之一。 [0035] 上述無紙化交易系統之一實施例，其中該伺服器及 店家平台於建立該會員帳戶及該店家帳戶時，可分別選 擇以簡訊、電子郵件、郵寄、列印、聲播及其組合式之 其中一種方式傳送該會員帳戶之密碼給會員。 [0036] 上述無紙化交易系統之一實施例，其中該伺服器及 店家平台於建立該會員帳戶及該店家帳戶時，可要求會 員以該會員鍵盤輸入及確認該會員帳戶之密碼。 [0037] 上述無紙化交易系統之一實施例，其中該特徵碼載 體可選擇為一晶片卡、一射頻辨識卡、一射頻標籤、一 條碼、一二維條碼、一快速反應碼、一磁條卡、一身份 證、一健保卡、一悠遊卡、一 iCash卡、一臺灣通卡、一 —^通卡、一***、一金融卡、一現金卡、一交通卡 、一八達通卡、一會員卡及其組合式之其中之一。 [0038] 上述無紙化交易系統之一實施例，其中該特徵碼讀 取機可選擇為一晶片卡讀取機、一射頻標籤讀取機、一 條碼讀取機、一二維條碼讀取機、一快速反應碼讀取機 表單編號A0101 第9頁/共.22頁 [0039]M431379 、一磁條讀取機及其組合式之其中之一。 上述無紙化交易系統之一實施例，其中各會員可藉 由網路登入該伺服器進行帳戶管理'查詢及特徵碼載體 變更或停用等動作。 [0040] 上述無紙化交易系統之一實施例，其中各會員利用 各櫃台裝置輸入帳戶及密碼後，進行更換特徵碼載體之 動作。 [0041] [0042] [0043] 上述無紙化交易系統之一實施例，其中各會員可藉 由網路登入各店家平台進行消費，並至各物流站點以特 徵碼讀取機讀取特徵碼載體中的特徵碼，並以會員鍵盤 輸入密碼後，根據對應的特定提貨點數提取貨物。 【實施方式】 請參閱第2圖，係本創作無紙化交易系統一較佳實 施例之示意圖。如圖所示，本創作之無紙化交易系統2 0 包含有一伺服器22、複數個店家單元25、26及複數個特 徵碼載體29。 由於各種晶片卡（1C卡）、射頻辨識卡（RFID卡）及其 他形式的射頻標籤、條碼、二維條碼、快速反應碼 (Quick Response code, QR code)及磁條卡等等，都 具有一唯一的特徵碼，本創作即可利用會員本身已擁有 的晶片卡、射頻辨識卡或其他形式的射頻標籤條碼、二 維條碼、快速反應碼及磁條卡做為特徵碼載體29，並以 特徵碼載體29中儲存的特徵碼做為快速辨識會員身份之 依據。當然，若會員要求，亦可由系統或商家提供新的 表單编號A0101 第丨0頁/共22頁 特徵碼載體29。 本創作之伺服器22設有一管理平台221及一會員資料 庫223。會員資料庫223用以儲存各會員之帳戶資料、各 會員帳戶所對應之特徵碼、複數個點數及各點數的屬性 :管理平台221則用以提供會員帳戶之建立與管理功能。 各店家單元26分別包含有一店家平台261、一店家資 料庫263、一櫃台裝置265、一特徵碼讀取機267及一會 員鍵盤269。各店家單元26分別通過一網路24連接伺服器 22。其中，店家平台261用以提供店家帳戶之建立與管理 功能及帳務計算功能；店家資料庫263用以儲存對應於各 店家帳戶之消費資訊；櫃台裝置265則可供櫃台人員或會 員選擇及操作各項功能，例如消費結帳、儲值、餘額查 詢、禮卷消費、紅利兒換及貨物提取等等。會員至設有 店家單元26之處所進行各項功能操作時，可提供其所持 有的特徵碼載體29，以特徵碼讀取機267讀取特徵碼，並 以會員鍵盤269輸入密碼進行操作。 [0046] §使用有T岣成為本創作無紙化交易系統2〇之會 員時，可至設有店家單元26處進行申請動作。首先由作 業人員利用櫃台裝置265選擇建立帳戶功能，由作業人舅 或會員自行輸人-會員代碼，再由會員提供—特徵碍栽 體29，以特徵碼讀取機267讀取該特徵碼載體29之特徵; 後，即可於該他器22中建立-會員帳戶，並於店家單 元26中建立一店家帳戶。 [0047] 而伺服器22之管理平台221及店家單元26之店家平八 261於會員帳戶及店家帳戶建立的同時，可: 表單編號Α0101 第11頁/共22頁 間成、 I子郵件、郵寄、列印或聲播的方式傳送該帳戶之密碼 、。會貝，或者直接要求會員在櫃台裝置265處以會員鍵盤 輪入並確認密碼。 [〇〇48] 使用者亦可利用一資訊裝置28(例如電腦、筆記型電 腦智慧型手機、平板電腦、i⑼、個人數位助理等等） 4由網路24連線至伺服E22，利用管理平台221選擇建立 帳戶功能後，輸入該會員代碼建立帳戶。祠服器22於帳 建立後，亦可以簡訊'電子郵件、郵寄、列印或聲播 的方式傳送該帳戶之密碼給會員。完成前述步驟後，會 需至有櫃台裝置265處，以會員鍵盤269輸入帳戶及 4碼’並提供—特徵碼載體29，由特徵碼讀取機267讀取 特徵碼，並存入會員資料庫223中，會員帳戶建立之程序 才异完整β <會員之帳戶建立完成後，可利用—資訊裝置28，如 電腦筆β己型電腦、智慧型手機、平板電腦、土㈣、個 數位助理等等，經由網路24連線至該飼服器22，以對 :’、密碼i人帳戶，藉以進行帳戶管理、消費查詢及特 徵碼栽體29變更或停用等動作。 _ 當會員消費後欲使用無紙化交易系統2〇結帳時，作 員於櫃。裝置265選擇結帳功能，會員提供其特徵碼 載體29藉由特徵碼讀取機267讀取特徵碼載體^中键冶 7徵碼，即可快速完成身份辨識，將該筆交易指向射 =會員帳戶，並於會員以會員鍵盤咖輪入密碼後由 ^會員帳戶所儲存之現金點數進行扣款。 [表單编號Α0101。亥會員擁有該店戶，則該筆消費將同 [0052] 時記錄於店家資料庫263中，並對應於該店家帳戶。若該 會員尚未於該店家建立帳戶，則店家平台261可根據所讀 取的特徵補贿㈣”特徵騎對應的會員代碼建 立-店家帳戶，用以儲存該會員之消費資訊，並於建立 店家帳戶的同時選擇以簡訊、電子郵件、郵寄、列印或 聲播的方式傳送該帳戶之密碼給會員’或者直接要求會 員在櫃台裝置265處以會員鍵盤269輸入並確認密碼。 各店家可於所屬店家單元26之店家平台261設定回饋 條件，當各店家帳戶中所儲存的消費資訊符合該回饋條 件時，即可將一回饋點數儲存於該店家帳戶中，並與伺 服器22中對應之會員帳戶壤行同步，令該會員帳戶中對 應屬性之點數與店家帳戶中之回饋點數相同。 [0053] 各店家之回饋點數可依性質不同而設定為店家禮卷 點數、現金點數、紅利點數、折扣金點數及特定提貨.點 數等等，依各店家回饋條件及促銷方案而定。會員資料 庫223中各點數之屬性亦可配合各店家之方案設定， 含有各店家禮卷、現金、各店家红利、各店家折扣金及 特定提貨點等等β [0054] 各店家可分別在所屬店家單元26之店家爭台261认疋 伺服器22中各屬性點數之使用條件。例如甲店家玎接又 自家紅利點數兒換商品，乙店家可接收丙店家之特定提 貨點數提取特定貨品等等。 [0055] 在本創作之一實施例中，無紙化交易系統2〇尚讦包 含有複數個物流站點27，各物流站點27分別通過網路24 連接伺服器2 2。各物流站點2 7分別包含有一物流爭ΰ 2 表單编號Α〇101 第13買/共22真 M431379 、一特徵碼讀取機277及一會員鍵盤279 ^會員可提供其 特徵碼載體29 ’由特徵碼讀取機277讀取特徵瑪，並以會 員鍵盤279輸入密碼。物流平台271將會搜尋祠服器22之 會員資料庫223中對應於該會員帳戶之特定提貨點數，若 存在特定提貨點數，則可由會員提取對應之貨品，並將 會員資料庫223中對應的特定提貨點數扣除。 [0056] 在本實施例中，會員尚可利用資訊裝置28連線並登 入各店家平台261進行網路購物’所購買之貨品將以特定 提貨點數的型式儲存於店家資料庫263對應之店家帳戶中 ，並與伺服器22會員資料庫232中對應的會員帳戶中對應 屬性的點數同步。會員完成網路購物後，可至臨近的物 流站點27利用特徵碼載體29並輪入密碼’提取對應的貨 物。 剛 t員欲進行現金儲值或現金餘额及各屬性點數查詢 ，至设有店豕單元26處’利用櫃台裝置265選取查詢功能 ’以特徵碼讀取器267讀取特徵碼載體29中儲存之特徵碼 ，並以會員鍵盤269輸入密碼，即可查詢各項點數。 _] 無紙化交易线2G使用期間，若會員持有之特徵碼 載體29損壞或遺失，可至設有店家單以6處以植台裝 置265選擇更換卡片之功能，經輸入帳戶及密碼後 ，提供 新的特徵碼載體29，並以特徵媽讀取機267讀取新的特徵 碼後，即可完成更換卡片之程序。 ， [_ 在本創作之一實施例中，各店家單元26之櫃台裝置 265可整。於商店或服務提供單位之收銀機巾，可利於各 表單作及帳務整M司服器22之會員資料 ^ 第14頁/共22頁 [0060]M43.1379 庫223 t亦儲存有對應於各帳戶之消費記錄、儲值記錄及 各點數之兒換記錄，供會員、商店、服務提供單位或相 關帳務人員查詢。 在本創作之-實施财，會員建立會貞帳戶及店家 帳戶所使用之會員代瑪可選擇為身份證㈣、護照號碼 、電話號碼、行動電話號碼、電子郵件信箱、公司統一 編號、特定帳戶、條碼及其組合式之其中之…建立會 員帳戶時，可選擇使用本身已擁有之任—晶片卡、任一 射頻辨識卡27、射頻標籤、條碼、二祕碼、快速反應 碼磁條卡做為特徵瑪載體，例如目前通行之身份證、 健保卡、悠遊卡、iCash卡、臺灣通卡-卡通卡、信用 卡金融卡、現金卡、會員卡或其他型式具有特徵碼的 載體等等。當然'，若使用者本身沒有適當的載體，亦可 由系統或㈣提供錢喝載體29 。而本創作之店家單元 ▲及物机站點27則設有對應的晶片卡讀取機、射頻標藏 肩取機1碼魏機、二祕碼讀取機、快速反應碼讀 取機或磁條錄機等等，藉以讀取對應特徵碼载體 特徵碼。 [0061] 表單編號A0101 本創作之無紙化交易线20亦可應用於社會福利或 救濟項目之發放’例如教濟金、福利金、消費卷、糧票 或生活必需*之兒換券等等。其中’救濟金'福利金盘 消費卷在^作之無紙化交易系統2G中，若不限定用途 消費店豕或睛買之商品種類，可以現金點數的方式存 入會員帳戶中；若需限定消費店家，則可以各店家禮券 點數的方式存入會員帳戶中。糧票或生活必需品之= 第15頁/共22頁 [0062] ^等貝可以特定提貨點數的方式存入會員帳戶中，由 特徵碼載體29至各物流站點27兒換對應的物品。 — 創作之無紙化交易系統20，不僅可跨越各店 系統進订整合，且可減少新卡片的製造量而具 有即能環保之效果外，尚可確保各項點數歸屬於各會員 〜卡片私或遭仿製盜用、盜刷及側錄等情事 遭徵瑪載體29時，若已完成掛失手續而 [0063] 267、277读取1 裝置265或物流平台271於特徵碼讀取機 物了心徵碼時，將顯示該特徵碼栽體29為遺失 物，可料阻卻妓情事，或交㈣關單位處理。 以上所述者，僅為本創作之實施例 =、：造、特徵及精神所為之均等變化與修飾， 均應包括於本創作之申請專利範圍内。 :圖式簡單說明】 剛第1®U用電子錢包❹狀態之示意圖。 [0065] 第2圖：係本創作一較佳實施例之示意圖。 【主要元件符號說明】 [0066] 12收銀機 121顯示器 [0067] 123操作鍵盤 14讀取機· [0068] 16晶片卡 161晶片 [0069] 20無紙化交易系統 22伺服器 [0070] 221管理平台 223會員資料庫 表單编號A0101 第16頁/共22頁 [0071] 24 網路 26 店家單元 [0072] 261 店家平台 263 店家資料庫 [0073] 265 櫃台裝置 267 特徵碼讀取機 [0074] 269 會員鍵盤 27 物流站點 [0075] 271 物流平台 277 特徵碼讀取機 [0076] 279 會員鍵盤· 28 資訊裝置 [0077] 29 特徵碼載體 M431379 表單編號A0101 第17頁/共22頁[0012] The purpose of this creation X is to provide a paperless transaction system that can be input by the member in addition to the signature carrier to verify the identity at the time of consumption, and can provide dual verification guarantee for electronic transactions. The purpose of this creation X is to provide each of the stores in the difficult-to-paper trading system to store a feedback point in the corresponding store account according to the set conditions, and to perform corresponding attribute points with the corresponding member account in the word server. Synchronization _] The purpose of this creation is to provide a paperless trading system in which the number of reward points in each store and the points in the member account can be selected as store gift points, cash points, bonus One of the discount points and the number of specific pick-up points. _] The purpose of this creation is to provide a lack of trading system, in which each store unit can use the conditions of each attribute point in the store platform _ setting word server" [0015] Another purpose of this creation, The invention provides a paperless transaction system, which further comprises a plurality of logistics stations, which can respectively extract the goods according to the corresponding specific delivery points after reading the feature code and inputting the password by the member. Another purpose of the present invention is to provide a paperless transaction system, after the member account and the store account are established, the server and the store can form the number Α0101, page 5 of 22, 豕平〇可 [0016] [0017] [0019] [0020] [0021] The password is selected to be transmitted to the member in one of a text message, an email, a mailing 'printing, a sound, and a combination thereof. Another object of the present invention is to provide a paperless transaction system, wherein the member code can be selected as an ID card number, a passport number, a phone number, a mobile phone number, an email address, a company uniform number, One of a specific account and its combination. A further object of the present invention is to provide a paperless transaction system in which the server and the store platform can ask the member to enter and confirm the password of the account when establishing the account, household and store accounts. Another object of the present invention is to provide a paperless transaction system, wherein the signature carrier can be selected as a wafer card, a radio frequency identification card, a radio frequency tag, a code, a two-dimensional bar code, a QR code, and a One of the magnetic stripe cards and their combinations. Another object of the present invention is to provide a paperless transaction system, wherein the reader can be selected as a wafer card reader, a radio frequency tag reader, a code reader, and a two-dimensional barcode reading. One of a machine, a quick response code reader, a magnetic strip reader, and a combination thereof. Another object of the present invention is to provide a paperless transaction system, wherein the signature carrier can be selected as an ID card, a health insurance card, a leisure card, an iCash card, a Taiwan card, and a card. One of a credit card, a financial card, a cash card, a transportation card, an Octopus card and a membership card. Another purpose of the present invention is to provide a paperless transaction system in which members can log in to the server for account management via the Internet, form number A0101, page 6 of 22 [0022] query and signature Actions such as carrier change or deactivation [0023] The purpose of this creation is to provide a paperless trading system in which members can log in to various store platforms for consumption and collect goods at various logistics sites. . [Gang & achieve the above purpose, this creation provides a reduced trading system, including a server, has a management platform and a member database, the official platform is used to provide the establishment and management functions of the member account, The member-bed library is used to store the account information of each member account, one of the feature codes corresponding to each member account, the number of plural points and the attributes of each point; a plurality of store units, each store unit passes through a network Connected to the server, each store unit has a store platform, a store database, a device, a feature reader and a member keyboard, the store platform is used to provide store account creation and management functions and accounting The calculation function, the store database is used to store the consumption information corresponding to each store account's functions of the counter device for operating the store unit; and a plurality of feature code carriers respectively corresponding to the member accounts, each feature code carrier Each of the members stores a feature code; wherein each member can hold the corresponding feature code carrier 'using the feature code reader of each store unit to read the special code After the code is entered and the password is entered on the member keyboard, one of the activities of the consumer checkout, the stored value, the balance check sentence and the combination thereof is performed. When the points are changed, the member account corresponding to the server is automatically updated. Each point. 〇〇25] An embodiment of the paperless transaction system, wherein each member borrows the store unit to perform a consumer checkout, and the counter device transmits the consumption information to the store platform and stores the store information in the store database The store account corresponding to this. Form No. 1010101 Page 7 of 22 [0026] M431379 [0027] [0030] [0032] [0032] One embodiment of the paperless transaction system described above, when each store platform judges each store When the consumption information of the account meets the feedback condition, a feedback point can be stored in the corresponding store account and synchronized with the corresponding attribute points of the corresponding member account in the server. In one embodiment of the above paperless transaction system, the number of feedback points of each store may be selected as one of store credit points, cash points, bonus points, discount points, and specific pick-up points. In one embodiment of the above paperless transaction system, the attributes of each point in each member account may be selected from one of the store's gift vouchers, cash, each store bonus, each store discount, and a specific pick-up point. An embodiment of the paperless transaction system, wherein each store unit can set a usage condition of points of each attribute in the server in the store platform, an embodiment of the paperless transaction system, and a plurality of logistics The website is connected to the server through the network, and each logistics station comprises a logistics platform, a signature reader and a member keyboard, which can respectively read the signature in the signature carrier, and are After the member keyboard enters the password, the goods are extracted according to the corresponding specific delivery points. An embodiment of the paperless transaction system described above, wherein the counter device is a cash register. An embodiment of the paperless transaction system, wherein the user can input a member code on any counter device, and the user or the system provides a signature carrier to read the feature code by the signature reader. A member account is established in the server, and a store account form number A0101 is created in the store unit. Page 8 of 22 M431379 Household 0 [0033] One of the above paperless transaction systems, wherein the store platform judges The first time a member spends in the store, a store account is created on the store platform based on the member account and signature. [0034] An embodiment of the paperless transaction system, wherein the member code can be selected as an ID card number, a passport number, a phone number, a mobile phone number, an email mailbox, a company unified number, and a One of a specific account, a code, and a combination thereof. [0035] An embodiment of the paperless transaction system, wherein the server and the store platform can separately select to send a newsletter, an email, a mail, a print, a voice, and the like when establishing the member account and the store account. One of the combinations transmits the password of the member account to the member. [0036] An embodiment of the paperless transaction system, wherein the server and the store platform may request the member to input and confirm the password of the member account by using the member keyboard when establishing the member account and the store account. [0037] An embodiment of the paperless transaction system, wherein the signature carrier can be selected as a chip card, a radio frequency identification card, a radio frequency tag, a code, a two-dimensional bar code, a fast response code, and a magnetic Strip card, one ID card, one health insurance card, one leisure card, one iCash card, one Taiwan card, one-pass card, one credit card, one financial card, one cash card, one transportation card, one-eight-dark card, one One of the membership cards and their combinations. [0038] One embodiment of the above paperless transaction system, wherein the signature reader can be selected as a wafer card reader, a radio frequency tag reader, a code reader, and a two-dimensional barcode reading. Machine, a quick response code reader form number A0101 page 9 / a total of .22 pages [0039] M431379, a magnetic stripe reader and one of its combinations. An embodiment of the paperless transaction system described above, wherein each member can log in to the server via the Internet to perform account management 'inquiry and change or disable the signature carrier. [0040] An embodiment of the paperless transaction system described above, wherein each member inputs an account and a password using each counter device, and then performs an action of replacing the signature carrier. [0043] [0043] One embodiment of the paperless transaction system described above, wherein each member can log in to each store platform to perform consumption, and to each logistics site to read features by the feature code reader. The feature code in the code carrier, and after inputting the password by the member keyboard, the goods are extracted according to the corresponding specific pickup points. [Embodiment] Please refer to Fig. 2, which is a schematic diagram of a preferred embodiment of the paperless transaction system. As shown, the paperless transaction system 20 of the present invention includes a server 22, a plurality of store units 25, 26, and a plurality of feature code carriers 29. Due to various chip cards (1C cards), radio frequency identification cards (RFID cards) and other forms of radio frequency tags, bar codes, two-dimensional bar codes, Quick Response code (QR code) and magnetic stripe cards, etc., all have one The unique feature code, the creation can use the chip card, RF identification card or other forms of RF tag barcode, 2D barcode, quick response code and magnetic stripe card that the member has already own as the signature carrier 29, and feature The signature stored in the code carrier 29 serves as a basis for quickly identifying the membership. Of course, if requested by the member, a new form number A0101 can be provided by the system or merchant. Page 0 of 22 Signature carrier 29. The server 22 of the present creation is provided with a management platform 221 and a member database 223. The member database 223 is used to store the account information of each member, the feature code corresponding to each member account, the plurality of points and the attributes of each point: the management platform 221 is used to provide the establishment and management functions of the member account. Each store unit 26 includes a store platform 261, a store 263, a counter device 265, a signature reader 267, and a member keyboard 269. Each store unit 26 is connected to the server 22 via a network 24, respectively. The store platform 261 is used to provide the establishment and management functions of the store account and the account calculation function; the store database 263 is used to store the consumption information corresponding to each store account; the counter device 265 is available for the counter staff or members to select and operate. Various functions, such as consumer checkout, stored value, balance inquiry, gift money consumption, bonus exchange and goods extraction, etc. When the member performs the function operation of the store unit 26, the signature carrier 29 held by the member can be provided, the signature is read by the signature reader 267, and the password is input by the member keyboard 269. [0046] § When you use T有 to become a member of the paperless trading system of this creation, you can go to the store unit 26 to apply for an action. First, the operator selects the account creation function by using the counter device 265, and the operator or the member inputs the member code, and then the member provides the feature card 29, and the signature carrier 267 reads the signature carrier. The feature of 29; after that, a member account can be established in the other device 22, and a store account is established in the store unit 26. [0047] While the management platform 221 of the server 22 and the store owner Ping 261 of the store unit 26 are established in the member account and the store account, the form number Α0101, page 11 / total 22 pages, I mail, mail, The password for the account is transferred by printing or by voice. Will, or directly ask the member to enter and confirm the password with the member keyboard at the counter device 265. [〇〇48] Users can also use an information device 28 (such as computer, notebook smart phone, tablet, i (9), personal digital assistant, etc.) 4 from the network 24 to the servo E22, using the management platform 221 After selecting the account creation function, enter the member code to create an account. After the server 22 is created, the password of the account can also be transmitted to the member by email, mail, print or audio. After completing the foregoing steps, it is necessary to go to the counter device 265, input the account and the 4 code 'with the member keyboard 269' and provide the signature carrier 29, and the signature code is read by the signature reader 267 and stored in the member database. In 223, the program for establishing a member account is different from the complete beta. After the account is established, the information device 28 can be utilized—such as a computer pen, a computer, a smart phone, a tablet computer, a soil (four), a digital assistant, etc. And the like, connecting to the feeding device 22 via the network 24 to perform actions such as: ', password i person account, for account management, consumption inquiry, and change or disable of the signature carrier 29. _ When the member wants to use the paperless trading system to checkout after the consumption, the staff member will be in the cabinet. The device 265 selects the checkout function, and the member provides the signature carrier 29 to read the signature carrier in the signature carrier 267 by the signature reader 267, so that the identification can be completed quickly, and the transaction is directed to the member. The account is debited by the cash points stored in the member account after the member has entered the password with the member keyboard coffee. [Form number Α 0101. If the Hai member owns the store, the purchase will be recorded in the store database 263 at the same time and corresponding to the store account. If the member has not yet established an account at the store, the store platform 261 may supplement the bribe according to the read feature (4) "feature ride corresponding member code establishment - store account, to store the member's consumption information, and establish a store account At the same time, choose to send the password of the account to the member by SMS, email, mail, print or sound. Or directly ask the member to input and confirm the password on the member keyboard 269 at the counter device 269. Each store can be in the store unit The store platform 261 of 26 sets the feedback condition. When the consumption information stored in each store account meets the feedback condition, a feedback point can be stored in the store account and associated with the corresponding member account of the server 22. Line synchronization, so that the corresponding attribute points in the member account are the same as the reward points in the store account. [0053] The reward points of each store can be set as store gift points, cash points, bonuses according to different natures. Points, discount points, specific pick-ups, points, etc., depending on the store's feedback conditions and promotion plan. Member database 223 The attributes of the points can also be set in accordance with the schemes of each store, including the store gifts, cash, store bonuses, discounts for each store and specific pick-up points, etc. [0054] Each store can be in the store of the store unit 26 The contending platform 261 recognizes the usage conditions of the attribute points in the server 22. For example, if the shopkeeper picks up the home and the bonus points for the goods, the store B can receive the specific pick-up points of the store B to extract the specific goods, etc. [0055 In one embodiment of the present invention, the paperless transaction system 2 includes a plurality of logistics sites 27, each of which is connected to the server 2 via a network 24. Each logistics site 2 7 Each contains a logistics dispute 2 Form No. Α〇 101 13 Buy / Total 22 True M431379, a signature reader 277 and a member keyboard 279 ^Members can provide their signature carrier 29 'by signature reader 277 reads the feature horse and enters the password by using the member keyboard 279. The logistics platform 271 will search for the specific pick-up points corresponding to the member account in the member database 223 of the server 22, if there is a specific pick-up point, Member mention Corresponding goods are deducted from the corresponding specific pick-up points in the member database 223. [0056] In this embodiment, the member can still use the information device 28 to connect and log in to each store platform 261 for online shopping. The goods will be stored in the store account corresponding to the store database 263 in the form of a specific pick-up point, and synchronized with the corresponding attribute points in the member account corresponding to the server member database 232. After the member completes the online shopping The nearby logistics site 27 can use the signature carrier 29 and enter the password to extract the corresponding goods. The staff member wants to carry out the cash stored value or the cash balance and the query of each attribute point to the store unit 26 The feature code reader 267 reads the feature code stored in the signature carrier 29 by using the counter device 265 to select the query function, and enters the password on the member keyboard 269 to query the points. _] During the use of the paperless transaction line 2G, if the signature carrier 29 held by the member is damaged or lost, the function of replacing the card with the planting device 265 can be selected by the store owner at 6 places. After entering the account and password, After the new signature carrier 29 is provided and the new signature is read by the feature mom reader 267, the process of replacing the card can be completed. [_] In one embodiment of the present creation, the counter unit 265 of each store unit 26 is neat. The cashier's towel in the store or service provider can be used to facilitate the member information of each form and account management. Page 14 of 22 [0060] M43.1379 Library 223 t also stores corresponding The consumption records, stored value records and the points of each account of each account are exchanged for members, shops, service providers or relevant account personnel. In the creation of this creation - the implementation of the membership, member membership account and store account used by the member of the generation of Ma Ma can choose as ID card (four), passport number, phone number, mobile phone number, email address, company uniform number, specific account, Among the barcodes and their combinations... When you create a membership account, you can choose to use the chip card, any RFID card 27, RF tag, barcode, second secret code, quick response code magnetic stripe card. The feature carrier, such as the current identity card, health insurance card, leisure card, iCash card, Taiwan card, cartoon card, credit card financial card, cash card, membership card or other type of carrier with a signature code, and the like. Of course, if the user does not have the proper carrier, the system or (4) can also provide money to the carrier 29 . The store unit ▲ and the machine site 27 of the creation have corresponding wafer card reader, radio frequency standard shoulder picker 1 code Wei machine, second secret code reader, fast response code reader or magnetic A recorder or the like, thereby reading a corresponding signature carrier signature. [0061] Form No. A0101 The paperless transaction line 20 of the present creation can also be applied to the distribution of social welfare or relief items, such as teaching allowances, welfare payments, consumer rolls, food stamps, or daily necessities*. The 'Relief Gold' welfare disk consumption volume is stored in the member account in the paperless trading system 2G of ^^, if it is not limited to the type of goods purchased by the consumer store or the eye, it can be deposited into the member account by cash points; If you limit the consumer store, you can deposit the voucher points of each store into the member account. Food stamps or daily necessities = Page 15 of 22 [0062] ^Equivalents can be deposited into the member's account in the form of specific pick-up points, and the signature carrier 29 to each logistics site 27 exchanges the corresponding items. - The paperless trading system 20 can not only integrate and integrate across the store systems, but also reduce the manufacturing volume of new cards and have the effect of being environmentally friendly. It can also ensure that the points are attributed to each member to the card. Or if the case of copying, stealing, and recording is scammed by the carrier, if the report has been completed, [0063] 267, 277 reads 1 device 265 or the logistics platform 271 in the feature code reading machine When the code is coded, the signature carrier 29 is displayed as a lost object, which may be blocked by the affair, or may be handled by the (four) off unit. The above-mentioned examples are only the equivalent changes and modifications of the examples, and the creation, characteristics and spirit of the present invention are included in the scope of the patent application of this creation. :Simple diagram of the diagram] The schematic diagram of the status of the first wallet of the 1U. [0065] FIG. 2 is a schematic diagram of a preferred embodiment of the present invention. [Main component symbol description] [0066] 12 cash register 121 display [0067] 123 operation keyboard 14 reader [0068] 16 wafer card 161 wafer [0069] 20 paperless transaction system 22 server [0070] 221 management Platform 223 member database form number A0101 page 16 / 22 pages [0071] 24 network 26 store unit [0072] 261 store platform 263 store database [0073] 265 counter device 267 feature code reader [0074] 269 Member Keyboard 27 Logistics Site [0075] 271 Logistics Platform 277 Signature Reader [0076] 279 Member Keyboard · 28 Information Device [0077] 29 Signature Carrier M431379 Form Number A0101 Page 17 of 22