201030685 六、發明說明： 【發明所屬之技術領域】 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。 【先前技術】 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」，即是利用一内存電子 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 插入讀卡機，便能完成付款，並省去消費者攜帶現金及找 零的麻煩。 ’無論儲值或是 ❹ 而言 由於 在同 前的 然也因目前的電子錢包均是卡片型態 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 ，不但不方便，更有遺失電子錢包卡片之風險；此外， -張卡片即代表一電子錢包’因此—個電子錢包卡片 一時間只能*持卡人―人以之㈣或對之儲值故目 電子錢包在應用上仍有待進一步檢討改進。 【發明内容】 4 201030685 電子錢包，本發明之主要目的在提供 系統，其不使用卡片亦毋須消費者隨 &，使用上極為便利。 為提供更便利的 種無卡式電子錢包 身攜帶，對消費者而 式電==括的所採取之主要技術手段係令前述無卡 一管理平台 的存放金額； 係儲存有使用者資訊及對應使用者資訊 ❿ ❹ 電子錢存提操作平台，係連接該管理平台，並供 費者輸入使用者瞀# 者貝訊、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:·該提領程序係令該電子錢存提接作平台於取得 吏用者資λ及所需金額時，通知該管理平台將對應該取得 t使用者資訊的存放金額減去所需金額，i由該電子錢存 提操作平台提供—記載有所需金額之有形電子錢代幣；該 儲值程序係令該電子錢存提操作平台於取得制者資訊及 儲值金額4，產生—包含儲值金額及使用者資訊 料；及 s 、-儲值平台，係連接該管理平台，當取得儲值資料時， 即通知該官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。 利用上述技術手段，本電子錢包系統可讓消費者容易 地儲值或取用内存的電子錢，因此對消費者而t，無論在 使用上或付款上均具有較佳的便利性；再者，纟電子錢包 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 201030685 片更為便利。 【實施方式】 關於本發明之一較佳實施例，請參閱第一圖所示，係 包括管理平台（1〇)、一電子錢存提操作平台（20)及一儲 值平台（30)。 •上述管理平台（1〇)係儲存有使用者資訊及對應使用者 >訊的存放金額，其中該使用者資訊則可包括但不限制 _有4 吏用者帳號及使用者密碼；於本實施例中，該管理平 台（1〇)係為一連線網際網路（40)的伺服器。 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)係餘存有一提領程序及一儲 值資料提供程序，其中： "亥提領程序係令該電子錢存提操作平台（2〇)於取得使 用者貝訊及所需金額時，通知該管理平台（1〇)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； 該儲值程序係令該電子錢存提操作平台（2〇)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。 於本實施例中，該電子錢存提操作平台（2〇)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， 於本實施例令係以-設於一般便利商店，且透過網際網路 6 201030685 (40)連線該管理平台（10)的多媒體資訊機（mu|timedja ki〇sk，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。 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（2〇5); 若是則顯示一餘額不足之提示訊息（2〇6)，並結束（2〇7) 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 Φ減去所需金額（208)，並由該管理平台（1〇)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（2〇9)，係以 雷射感應紙列印該付款憑單。 上述儲值平台（3〇)係連接該管理平台（1〇)，當取得儲 值資料時，即通知該管理平台（1〇)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 作平〇 (20))的便利商店繳款，而便利商店之收銀機即是該 7 201030685 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。 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，於便利商店内的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) ❹ 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 s亥儲值平台（30)將該儲值資料發送予該管理平台（1〇)，令 3亥官理平台（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。 而如第四圖所示，於本實施例中，當消費者欲至一設 β有本電子錢包系統的便利商店消費購物時，消費者可於便 利商店内的電子錢存提操作平台（2〇)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（1〇)， 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⑽’供消f者持該付款憑單⑽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 X儲值平σ (30)之條碼讀取機（31)讀取付款憑單（22)上的所 8 201030685 需金額條碼（221) ’即可以該付款憑單作為現金使用，麟買 所需物品。 由上述可知，本電子錢包系統毋須消費者隨身攜帶卡 ^ ’僅需至該電子錢存提操作平台（2G)操作輸人使用者資 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，或是取得該储值資料，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健值或是 春提取所需之電子錢’故並無現有電子錢包在同—時間只能 由持卡人一人使用消費或儲值的限制。 惟本發明雖已於前述實施例中所揭露，但並不僅限於 刖述實施例中所提及之内容，在不脫離本發明之精神和範 圍内所作之任何變化與修改，均屬於本發明之保護範圍。 ’·’示上所述，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。 ® 單說明】 第一圖：係本發明一較佳實施例之系統方塊圖。 第二圖：係本發明一較佳實施例中一提領程序之流程 圖。 第二圖：係本發明一較佳實施例之儲值工作流程圖。 第四圖：係本發明一較佳實施例之提用電子錢工作流 程圖。 9 201030685 【主要元件符號說明】 (10)管理平台 (20) 電子錢存提操作平台 (21) 繳費單 (211)儲值資料條碼 (22) 付款憑單 (221)所需金額條碼 (30) 儲值平台 (31) 條碼讀取機 (40)網際網路201030685 VI. Description of the Invention: [Technical Field] The present invention relates to an electronic wallet system, and more particularly to a cardless electronic wallet system. [Prior Art] With the development of chip card technology and Near Field Communication (NFC) technology, the development of electronic wallet • With a clear breakthrough, the Taipei MRT leisure card is one of the most common electronic wallets. "Using" has recently attracted the attention of many merchants. For example, the "Octopus Card" used in Hong Kong is an application that uses a chip card of a memory electronic money data as an electronic wallet instead of cash. After the value, it can be turned into an electronic wallet. When the chip card is inserted into the card reader, the payment can be completed, and the trouble of carrying cash and changing the consumer is saved. 'Whether it is stored value or ❹, because the current e-wallet is the card type consumption, the consumer must carry the e-wallet card before using the electronic money stored in it' or In the case of storing electronic money, it is not only inconvenient for consumers, but also the risk of losing the e-wallet card; in addition, - the card represents an e-wallet. Therefore, an e-wallet card can only be * cardholders at a time. ―People with (4) or the stored value of the original e-wallet remains to be further reviewed and improved. SUMMARY OF THE INVENTION 4 201030685 Electronic wallet, the main purpose of the present invention is to provide a system that does not require a card and does not require a consumer to use it. In order to provide a more convenient type of cardless electronic wallet, the main technical means adopted by the consumer is to store the amount of the above-mentioned cardless management platform; the user information and correspondence are stored. User Information ❿ ❹ The electronic money deposit and withdrawal operation platform is connected to the management platform, and the fee provider inputs the user 贝# 者#, the stored value and the required amount, and the electronic money deposit and withdrawal platform + system storage There is a withdrawal procedure and a stored value data providing program: • The withdrawal procedure is to cause the electronic money deposit and withdrawal platform to notify the management platform that the management platform will obtain the corresponding amount when obtaining the user's capital λ and the required amount. The amount of user information stored minus the required amount, i is provided by the electronic money depositing and operating platform - the tangible electronic money token is recorded with the required amount; the stored value program enables the electronic money depositing operation platform to obtain Manufacturer information and stored value Amount 4, generated - including the stored value and user information; and s, - stored value platform, connected to the management platform, when the stored value data is obtained, the official platform will be notified The value of the value is added to the deposit amount of the user information in the stored value data. 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;纟The e-wallet system is more convenient than the existing e-wallet card 201030685 because it does not need to use the card, and the cardholder can only use the consumption or stored value limit at the same time. [Embodiment] A preferred embodiment of the present invention, as shown in the first figure, includes a management platform (1), an electronic money depositing operation platform (20), and a storage platform (30). • The above management platform (1〇) stores the user information and the corresponding user> message storage amount, wherein the user information may include, but not limited to, _4 user accounts and user passwords; In an embodiment, the management platform (1〇) is a server connected to the Internet (40). The electronic money depositing operation platform (20) is connected to the management platform (10)' and allows the consumer to input user information, the stored value and the required amount, and the electronic money depositing operation platform (20) is retained. There is a withdrawal procedure and a stored value data providing program, wherein: "Hai Tie Ling program enables the electronic money deposit and withdrawal operation platform (2〇) to notify the management platform when obtaining the user's Beixun and the required amount ( 1)) the amount of the user information to be obtained is subtracted from the required amount, and the electronic money depositing operation platform (20) provides a tangible electronic money token with the required amount; the stored value program The electronic money depositing operation platform (2〇) generates a stored value data including the stored value and the user information when the user information and the stored value are obtained. In this embodiment, the electronic money depositing and operating platform (2〇) can be any electronic device capable of inputting user information, stored value and required amount. Convenience store, and through the Internet 6 201030685 (40) to connect the management platform (10) multimedia information machine (mu|timedja ki〇sk, referred to as MMK machine), wherein the tangible electronic money token is a The MMK machine prints a payment voucher printed by itself, and the payment voucher is printed with a bar code representing the required amount, and the stored value data is displayed in bar code on a payment slip printed by the MMK machine. Please refer to the second figure. In the embodiment, the method for extracting includes the following steps: obtaining user information (201); and taking out the amount of user information corresponding to the user information 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 (2〇5); if yes, display a message indicating that the balance is insufficient ( 2〇6), and end (2〇7) the process 'instead, continue with the following steps; notify the management platform to subtract the required amount (208) from the deposit amount Φ of the user information that should be obtained, and the management platform (1〇) Replace the original deposit amount with the difference obtained; Provide a tangible electronic money token (2〇9) with the required amount, and print the payment voucher with laser sensor paper. The above-mentioned stored value platform (3〇) is connected to the management platform (1〇). When the stored value data is obtained, the management platform is notified (1〇) to add the stored value to the user information in the corresponding stored value data. In this embodiment, the consumer is required to pay the payment slip in the convenience store where the MMK machine (ie, the electronic money deposit operation operation (20)) is provided, and the cash register of the convenience store is It is the 7 201030685 stored value platform (30), and the bar code reader (31) of the cash register reads the stored value bar code on the payment slip. Please refer to the third figure again. In this embodiment, when storing the value in the electronic wallet system, the consumer is connected to the MMK machine in the convenience store in the 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) ❹ to the convenience store counter, and the bar code reader (31) of the cash register (ie the stored value platform (30)) by the store clerk of the convenience store (31) Read the stored value data barcode (211) on the payment slip (21). After the clerk collects the amount corresponding to the stored value from the consumer, the stored value data is sent to the management platform by the shai stored value platform (30). (1〇), the 3H official platform (10) adds the stored value to the deposited amount of the user information in the stored value data, and replaces the original deposit amount with the sum. As shown in the fourth figure, in the embodiment, when the consumer wants to purchase a convenience store that has the electronic wallet system, the consumer can deposit the operation platform in the convenience store (2). 〇) Enter the user information and the required amount, and transfer the user information and the required amount to the management platform (1〇), so that the management platform (10) will subtract the deposit amount of the user information that should be obtained. The amount is required, and the difference is replaced by the original deposit amount, and the electronic money depositing operation platform (20) prints a payment voucher (10) having a bar code (221) representing the required amount. The payment voucher (10) and the item to be purchased are checked out at the convenience store counter, and the store clerk of the convenience store reads the payment vouch (22) on the bar code reader (31) with the X stored value σ (30). Amount barcode (221) 'You can use the payment voucher as cash, and buy the required items. As can be seen from the above, the electronic wallet system does not require the consumer to carry the card with the user's only need to go to the electronic money depositing and operating platform (2G) to operate the user information and the required amount or stored value, the consumer can obtain the The electronic money token is used for payment consumption, or the stored value data is obtained, and the electronic wallet system is stored in a cash payment manner; in addition, the consumer who knows the user information at the same time can simultaneously access the electronic wallet system at different locations. The value of the health or the electronic money required for the spring extraction is so that there is no existing e-wallet in the same time - the time limit can only be used by the cardholder alone. However, the present invention has been disclosed in the foregoing embodiments, but is not limited to the details of the embodiments, and any changes and modifications made without departing from the spirit and scope of the invention belong to the present invention. protected range. As described above, the present invention has been significantly improved in efficacy and conforms to the patent requirements of the invention, and is filed in accordance with the law. ® Single Description] First Figure: A block diagram of a system in accordance with a preferred embodiment of the present invention. The second drawing is a flow chart of a delineating procedure in a preferred embodiment of the present invention. Second Figure: Flowchart of a stored value operation in accordance with a preferred embodiment of the present invention. Fourth Figure: A workflow diagram for the use of electronic money in a preferred embodiment of the present invention. 9 201030685 [Description of main component symbols] (10) Management platform (20) Electronic money deposit operation platform (21) Payment slip (211) stored value data barcode (22) Payment voucher (221) Required amount barcode (30) Value platform (31) barcode reader (40) internet