1262415 五、發明說明α) 【發明所屬之技術領域】 本發明係有關於一種I c卡之跨行消費之方法，其尤指 一種利用I c卡消費之方法，利用I c金融卡可在不同環境下 做任何交易。 【先前技術】 按，信用卡（Credit Card):是一種消費支付工具， 也是目前僅次於現金、最普遍受歡迎的塑膠貨幣。「信用 卡」由金融機構所發行，發卡單位根據申請人的個人信用 記錄核發消費信用額度，因此也代表個人的信用憑證。隨 著塑膠貨幣的來臨，信用卡在我們曰常生活消費中帶來許 多的方便，信用卡除了是一種貨幣也是一種理財的工具， 持卡者可享受「一卡在手，行遍天下」及「先消費，後 付款」的便利，當您刷卡購物後，平均3 8天左右才需要 支付這筆帳款，更可配合您的需要使用「循環信用」及 「預借現金」功能，以分期付款的方式來繳付消費款，讓 持卡人能靈活運用資金養成消費理財觀念。 信用卡避免了支付和收取現金的麻煩；其次，有時在 網上購物時，使用信用卡是唯一的方法；最重要的也許 是，信用卡可以為一些暫時無力為所購商品付款的人提供 一種短期的貸款。 再者，金融卡為一金融機構所發行，透過該金融卡即 可進行於該金融機構或其他金融機構進行取款或轉帳之金 融交易行為。 然，目前信用卡之盜刷嚴重，因為信用卡只有只用一1262415 V. INSTRUCTION DESCRIPTION α) [Technical Field of the Invention] The present invention relates to a method for inter-bank consumption of an IC card, and more particularly to a method for utilizing Ic card consumption, which can be used in different environments by using an Ic financial card. Do any trades. [Prior Art] Press, Credit Card: is a consumer payment tool, and is currently the second most popular plastic currency after cash. The “credit card” is issued by a financial institution, and the card issuer issues a credit line based on the applicant's personal credit record, and therefore represents the individual's credit certificate. With the advent of plastic money, credit cards bring a lot of convenience in our daily life consumption. Credit cards are not only a currency but also a financial management tool. Cardholders can enjoy "one card in hand, all over the world" and "first" The convenience of consumption, post-payment, when you swipe your card, you need to pay the average amount of money in about 38 days. You can also use the "recurring credit" and "pre-borrowing cash" functions to pay in installments. Ways to pay for consumer spending, allowing cardholders to use funds to develop consumer finance concepts. Credit cards avoid the hassle of paying and collecting cash; secondly, sometimes using credit cards when shopping online; perhaps the most important thing is that credit cards can provide a short-term for those who are temporarily unable to pay for the goods they purchase. loan. Furthermore, the financial card is issued by a financial institution through which the financial transaction of the withdrawal or transfer of the financial institution or other financial institution can be carried out. However, the current credit card fraud is serious because credit cards only use one
第5頁 1262415 五、發明說明（2) 磁條保護，比較容易複製磁條内之資訊内容，但目前信用 卡之交易頻煩且係為一極具便利性之一種交易行為，由於 信用卡為先消費後付款目前持卡使用者皆有超出自己存 款，而使用信用卡消費之病態消費行為，無形造成持卡使 用者之金融之負擔亦會釀成社會問題。 因此，如何針對上述問題而提出一種新穎I C卡之跨行 消費之方法，不僅可改善傳統信用卡之盜刷與超支之缺 點，又可結合金融卡之金融使用，長久以來一直是使用者 殷切盼望及本發明人念茲在茲者，而本發明人基於多年從 事於相關產品之研究、開發、及銷售實務經驗，乃思及改 良之意念，窮其個人之專業知識，經多方研究設計、專題 探討，終於研究出一種I C卡之跨行消費之方法改良，可解 決上述之問題。 【發明内容】 本發明之主要目的，在於提供一種I C卡之跨行消費之 方法，其係利用一 I C卡可於任何環境下進行消費之行為， 例如：移動式或固定式電信通話系統、銀行自動提款機 (ATM)、個人數位助理（PDA)以及網際網路等等，以提供一 使用者具有一便利性極佳消費之方法。 本發明之次要目的，在於提供一種I C卡之跨行消費之 方法，其係利用一 I C卡之安全機制，以擴充I C卡之利用範 圍，例如：單純之金融行為，以擴充至一消費行為，以提 供一使用者具有一安全性極佳消費之方法。Page 5 1262415 V. Invention Description (2) Magnetic stripe protection is relatively easy to copy the information content in the magnetic stripe. However, the current credit card transaction is annoying and is a very convenient transaction, due to the credit card first consumption. Post-payments Currently, cardholders have exceeded their own deposits, and the use of credit card consumption for morbid consumption has invisibly caused the financial burden of card users to cause social problems. Therefore, how to propose a method of cross-bank consumption of novel IC cards for the above problems can not only improve the shortcomings of the traditional credit card fraud and overspending, but also combine the financial use of financial cards, which has long been the user's earnest hope and present. The inventor is hereby, and the inventor is based on years of experience in the research, development, and sales of related products, thinking and improving ideas, poor personal expertise, multi-party research design, special discussion, Finally, an improved method of inter-bank consumption of IC cards has been developed to solve the above problems. SUMMARY OF THE INVENTION The main object of the present invention is to provide a method for inter-bank consumption of an IC card, which utilizes an IC card to perform consumption behavior in any environment, such as a mobile or fixed telecommunication system, and bank automatic Cash machines (ATMs), personal digital assistants (PDAs), the Internet, and the like, to provide a user with a convenient way to consume. A secondary object of the present invention is to provide a method for inter-bank consumption of an IC card, which utilizes an IC card security mechanism to expand the utilization range of the IC card, for example, a simple financial behavior to expand to a consumer behavior. To provide a way for a user to have an excellent consumer of security.
1262415 五、發明說明（3) 為達上述所指稱之各目的與功效，本發明係為一種I c 卡之跨行消費之方法，其係揭示利用一 I c卡之優異安全機 制，以提供一持卡使用者可具有多種用途，例如··金融之 提款或轉帳以及消費行為，並且也提供與消費商店業者一 簡單之消費模式，再者，讓持卡使用者可以免除信用卡之 無控制下之持續刷卡消費以及被盜刷之風險。 【實施方式】 茲為使 貴審查委員對本發明之結構特徵及所達成之 功效有更進一步之瞭解與認識，謹佐以較佳之實施例及配 合詳細之說明，說明如後： 本發明係為解決習知技術之信用卡與金融卡之缺點， 例如：信用卡之持卡使用者以毫無計畫下之無限制刷卡進 行消費而造成無法繳納之困境，或者金融卡只能用來做銀 行自動提款機（A T Μ )之提款或轉帳之用，本發明為融合上 述之兩者之作用，並解決兩者之缺點，利用一 I C卡之安全 機制以推廣於任何情形下都可使用I C卡進行消費行為’例 如：網路商店、ATM或者手機。以達成--多用且為一極 度安全消費之行為。 首先，請參閱第一圖，其係為本發明之一較佳實施例 之I C卡之消費行為之流程圖；如圖所示，本發明係為一種 I C卡之跨行消費之方法，其主要步驟係包括： 步驟S 1 0，使用一讀卡機讀取一 I C卡之安全密碼； 步驟S 1 1，輸入至少一密碼以與該安全密碼進行確認一1262415 V. INSTRUCTIONS (3) In order to achieve the above-mentioned various purposes and effects, the present invention is a method for inter-bank consumption of IC cards, which discloses an excellent security mechanism using an IC card to provide a Card users can have a variety of uses, such as financial withdrawals or transfers and consumer behavior, and also provide a simple consumption model with consumer store operators. In addition, card users can be exempt from the uncontrolled credit card. Continued credit card spending and the risk of being stolen. [Embodiment] In order to provide a better understanding and understanding of the structural features and the effects of the present invention, the preferred embodiments and the detailed description are as follows: The present invention is to solve The shortcomings of the credit card and financial card of the prior art, for example, the card user of the credit card is unable to pay for the unreasonable credit card consumption without the plan, or the financial card can only be used for automatic bank withdrawal. For the withdrawal or transfer of the machine (AT Μ ), the present invention combines the above two functions and solves the shortcomings of the two, and utilizes an IC card security mechanism to promote the use of the IC card in any situation. Consumer behavior 'for example: online store, ATM or mobile phone. To achieve - multi-use and an extremely safe consumption behavior. First, please refer to the first figure, which is a flow chart of the consumption behavior of the IC card according to a preferred embodiment of the present invention; as shown in the figure, the present invention is a method for inter-bank consumption of an IC card, and the main steps thereof The system includes: Step S10: using a card reader to read a security password of an IC card; Step S1 1, inputting at least one password to confirm with the security password
1262415 五、發明說明（4) 使用者身份； 步驟S 1 2，使用一網路將該使用者之一交易資料傳輸至 一代理金融機構； 步驟S 1 3，該代理金融機構將該交易資料透過一仲介機 構傳輸至一發卡金融機構； 步驟S 1 4，使用一應用程式於該發卡金融機構端，以進 行判別該交易資料是否進行； 步驟S 1 5，使用該發卡金融機構回覆一可交易訊息給予 該使用者；以及 步驟S 1 6，執行該交易資料並將該交易資料透過該金融 代理機構、該仲介機構傳遞至該發卡之金融機構。 本發明之揭示之I C卡之消費行為，係為當一持卡使用 者欲進行消費時，此時可能在一網路商店或一實體商店購 買一項商品，此時即可使用一 I C卡以進行消費行為，而I C 卡可為一 I C金融卡或一 S I Μ卡，所以可以利用目前手機上 之S I Μ卡來進行消費行為之付款機制，請參閱第二圖，其 係為本發明之一較佳實施例之I C卡之實施示意圖；如圖所 示，此時之消費環境，例如：網路商店、實體商店等等， 本實施例係以一實體商店做一說明，該實體商店2 0利用一 讀卡機2 2讀取I C卡1 0並將一消費資料透過一網路以連接至 一代理金融機構3 0，該代理金融機構3 0將該消費資料透過 一仲介機構4 0傳遞至一發卡金融機構5 0，於該發卡金融機 構5 0利用一應用程式已以驗證該I C卡1 0之交易驗證碼或一 簽章（Digital signature)，其中該交易驗證碼與或簽章 1262415 五、發明說明（5) 係經由輸入之 卡使用者之帳 5 0將可交易之 2 0即可與持卡 後進行之交易 機構40以確保 前端的讀卡機 做相互的認證 再者，該 為本發明之一 如圖所示，該 PDA、手機或^ 用於網路商店 進行消費以及 如果I C卡做為 定式電信裝置 時可直接與該 或固定式電信 金融機構3 0相 融機構5 0進行 張卡片之複雜 綜上所述 供產業利用者 無疑，爰依法 交易資料透過該丨丨〇所產生，並判斷該持 戶之餘額是否可進行交易，該發卡金融機構 訊息提供與該實體商店2 〇，此時該實體商店 使用者進行交易，最後，該實體商店2 〇將最 資料傳遞與該發卡金融機構5 0，透過該仲介 交易之中立性以及第三單位之確認性，此時 2 2與交易安全已無關，讀卡機2 2不需與I C卡 ，此點係與習知技術不同。 持卡，用者之呈現行為可參照第三圖，其係 較佳貫施例之I c卡之實際使用示意方塊圖； I C卡係可使用於一實體商店、網路商店、 他裝設讀卡機以讀取I C卡之裝置，其中利 日守《<此時必須具備有讀取10卡之讀取機方可 ’若1C卡11作為電腦14之讀卡機14〇， =用日寸，即可透過手機1 7、PDA 1 6或固 抑=八接至該代理金融機構3 0，若為1 0卡1 1 機構30連接，若為手機17或pda16 透過一通信機構i8，，與該代理 :以r:c:安全機制，以及不需使= 丨王以達一消費行為。 夕 實為-具有新…進步性及可 棱出發明專利申請，新^寻』甲明要件 ψ 祈鈞局早日賜准專 1262415 五、發明說明（6) 利，至感為禱。 惟以上所述者，僅為本發明之一較佳實 非用來限定本發明實施之範圍，舉凡依本發 圍所述之形狀、構造、特徵及精神所為之均 飾，均應包括於本發明之申請專利範圍内。 例而已，並 申請專利範 變化與修 1262415 圖式簡單說明 之之之 明 明 明。 發。發 發圖 I本圖本 本塊 明為程為 為方 說係流係。係意 單其之其圖其示 Μ間： · · · · 示圖 圖 圖 圖一 二 三 ί 第 第 第 之 例 施 實 佳 較 之 例 施 實 佳 較 之 例 施 實 佳 較 I C卡之消費行為 I C卡之實施示意 I C卡之實際使用 【主要元件符號說明】 10 1C 卡 11 1C卡 14電腦 1 4 0讀卡機 15 SIM卡 16 PDA 17手機 1 8電信機構 20商店 2 2讀卡機 3 0代理金融機構 4 0仲介機構 5 0發卡金融機構1262415 V. Description of the invention (4) User identity; Step S 1 2, using a network to transmit one of the user's transaction data to an agent financial institution; Step S1 3, the agent financial institution transmits the transaction data An intermediary agency transmits to a card issuing financial institution; step S14, an application is used at the issuing financial institution to determine whether the transaction data is performed; and step S1 5, using the card issuing financial institution to reply to a tradable message Giving the user; and step S16, executing the transaction data and transmitting the transaction data to the financial institution issuing the card through the financial institution and the intermediary. The consumption behavior of the IC card disclosed in the present invention is that when a card user wants to consume, at this time, an item may be purchased in an online store or a physical store, and an IC card can be used at this time. To carry out consumer behavior, and the IC card can be an IC financial card or an SI Leica, so you can use the SI Leica on the current mobile phone to make payment mechanisms for consumer behavior. Please refer to the second figure, which is one of the inventions. A schematic diagram of the implementation of the preferred embodiment of the IC card; as shown in the figure, the consumption environment at this time, for example, an online store, a physical store, etc., this embodiment is described by a physical store, the physical store 2 0 The IC card 10 is read by a card reader 2 2 and a consumer data is transmitted through a network to an agent financial institution 30. The agent financial institution 30 transmits the consumption data to an intermediary institution 40. A card issuing financial institution 50, at the issuing financial institution 50, utilizes an application to verify the transaction verification code or a signature of the IC card 10, wherein the transaction verification code and or signature 1262415 Invention (5) The account tradable by the card user of the input card 50 can be used with the transaction institution 40 after the card is held to ensure mutual authentication of the card reader at the front end, which is the invention As shown in the figure, the PDA, mobile phone or ^ is used for online store consumption and if the IC card is used as a fixed telecommunication device, the card can be directly connected to the fixed telecom financial institution 30. In summary, the use of the industry for the undoubtedly is undoubtedly, the legal transaction data is generated through the defect, and it is judged whether the balance of the holder can be traded, and the card issuing financial institution information is provided with the physical store 2 The physical store user conducts the transaction. Finally, the physical store 2 transfers the most information to the issuing financial institution 50, through the intermediary transaction neutrality and the third unit's confirmation, at this time 2 2 and transaction security have been Irrelevant, the card reader 2 2 does not need to be associated with an IC card, which is different from the prior art. For the card holder, the user's presentation behavior can be referred to the third figure, which is a schematic block diagram of the actual use of the preferred IC card; the IC card system can be used for a physical store, an online store, and a device for reading. The card machine is used to read the IC card device, wherein Li Rishou "< must have a reader that reads 10 cards at this time." If the 1C card 11 is used as the card reader 14 of the computer 14, the date is used. Inch, you can connect to the agency financial institution through the mobile phone 7 7 , PDA 1 6 or FT = 8 if it is 10 0 1 1 mechanism 30 connection, if the mobile phone 17 or pda16 through a communication mechanism i8, With the agent: to r:c: security mechanism, and no need to make = 丨 king to a consumer behavior. Xi Shi is - with new ... progressive and can be patented for invention patents, new ^ search for the requirements of the ψ 钧 钧 钧 早 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 624 It is to be understood that the scope of the present invention is not limited by the scope of the present invention, and should be construed as being in accordance with the shapes, structures, features, and spirits of the present invention. Within the scope of the patent application of the invention. For example, the patent specification changes and repairs 1262415 The brief description of the schema is clearly stated. hair. Development diagram I This picture book This section is defined as Cheng Wei for the system of the system. It is the same as the one in the following: · · · · The diagram of the diagram is shown in Figure 1. The example of the scheme is better than the example of Shi Shijia. The implementation of the behavior IC card indicates the actual use of the IC card [main component symbol description] 10 1C card 11 1C card 14 computer 1 4 0 card reader 15 SIM card 16 PDA 17 mobile phone 1 8 telecommunications agency 20 stores 2 2 card reader 3 0 Agency Financial Institutions 40 Intermediary Organizations 50 Card Issuance Financial Institutions
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