US007890371B2
`
`a2) United States Patent
`US 7,890,371 B2
`(10) Patent No.:
`Chao
`Feb. 15, 2011
`(45) Date of Patent:
`
`(54) METHOD FOR PROCESSING TRANSACTION
`INFORMATION
`
`7,505,941 B2*
`
`3/2009 Bishopetal. 0.0.0... 705/67
`
`(75)
`
`Inventor: Yuan-Ning Chao, Taipei (TW)
`
`(73) Assignee: Trade-Van Information Services Co.,
`Taipei (TW)
`
`(*) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`US.C. 154(b) by 124 days.
`
`(21) Appl. No.: 12/128,365
`
`(22)
`
`Filed:
`
`May 28, 2008
`
`(65)
`
`(30)
`
`Prior Publication Data
`US 2008/0306828 Al
`Dee. 11, 2008
`
`Foreign Application Priority Data
`
`May 28, 2007
`
`(TW) oveeee 96118915 A
`
`(51)
`
`Int. Cl.
`(2006.01)
`G06Q 20/00
`(52) US. Che cece eceneeeree 705/17; 705/41; 705/44;
`705/64; 235/384; 380/227
`(58) Field of Classification Search ..........0........ 705/17,
`705/41, 44, 64, 67; 235/384, 375; 380/227
`See application file for complete search history.
`References Cited
`U.S. PATENT DOCUMENTS
`
`(56)
`
`* cited by examiner
`
`Primary Examiner—Vanel T'renel
`(74) Attorney, Agent, or 'irm—WPAT, P.C.; Anthony King
`
`(57)
`
`ABSTRACT
`
`A method for processing transaction information is provided
`according to the present invention. The method enables busi-
`ness venderto provide consumers with paperless transaction
`information, c.g. invoice information, via a route mainframe
`and a electronic data interchange platform. The method
`includes providing a mobile electronic device and establish-
`ing an information service platform to connectthe electronic
`dala interchange platform, for providing the consumers a
`means for payment of bills; when the cash register of the
`business vender receives a request of the paymentofbills by
`using the mobile electronic device, having the card readerto
`access balance ofthe electronic purse ofthe mobile electronic
`device; judging whetherthe balanceof the electronic purseis
`enough for the paymentofbills, ifnot, prohibiting the mobile
`electronic device from proceedingto the paymentofbills, and
`terminating the transaction information process; if yes, then
`having the mobile electronic device proceed to the payment
`ofbills and allowingthe cashregister to transmit, via the route
`mainframe and the electronic data interchange platform,
`transaction information received to the information service
`platform for saving: and transmitting al least a part of the
`transaction informationto the mobile electronic device by the
`information service platform.
`
`7,213,742 BL*
`
`5/2007 Birchetal. oe. 235/375
`
`13 Claims, 5 Drawing Sheets
`
`20
`
`7
`
`21
`22
`
`
`
`
`
`
`
`route
`mainframe
`
`electronic data
`interchange platform
`
`
`
`
`
`
`cash register of
`business vender
`
`
`
`
`200
`
`
`
`card reader
`
`
`
`24
`
`
`
`
`
`
`information service
`platform
`
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`U.S. Patent
`
`Feb. 15, 2011
`
`Sheet 1 of 5
`
`US 7,890,371 B2
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`U.S. Patent
`
`Feb. 15, 2011
`
`Sheet 2 of 5
`
`US 7,890,371 B2
`
`22
`
`
`
`
`
`
`
`
`
`
` electronicdatainterchangeplatform
`
`24
`
`
`
`
`
`informationservice
`
`platform
`
`
`
`
`
`
`
`maintrame i FIG.2
`21mm route
`
`
`registerofbusinessvender
`
`cash
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` cardreader
`
`
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`20
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` 200
`
`
`
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`U.S. Patent
`
`Feb. 15, 2011
`
`Sheet 3 of 5
`
`US 7,890,371 B2
`
`
`
`start
`
`
`
`
`
`
`
`
`
`
`
`
`
`S2
`Sl
`
`consumer applies for a mobile
`establishing an information service
`electronic device with built-in
`platform connecting with an electronic
`SIM card that has RFID and
`data interchange pletform network, and
`electronic purse
`also connecting cash register of
`business vender with a card reader
`
`
`
`
` Q $3
`
`judging if the czsh
`register of business vendor receives a
`request of paying bill by mobile
`electronic device
`
`
`
` S4
`
`
`commanding, by the cash register of business vender, the
`card reader to access balance of electronic purse ofthe
`mobile electronic device, and then charging for the
`expenditure amount according to the accessed balance
`
`
`
`
`
`A»
`The|balance ofthoOO
`“Electronic purse ofthe mobile electronic
`no
`
`device is enough for paying the
`
`expenditure amount
`S6
`
`
`rejecting the mobile
`electronic device for
`paying bill
`
`58
`
`charging the electronic purse for the expenditure
`amount, end also transmitting expenditure
`information reccived by the cash register to the
`information service platform for saving, and also
`transmitting at least part of the expenditure
`information to the mobile electronic device
`
`
`
`
` _
`
`
`
`commanding the mobile electronic device
`to save information transmitted from the
`information service platform
`
`S/
`
`end
`
`FIG. 3
`
`
`
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`U.S. Patent
`
`Feb. 15, 2011
`
`Sheet 4 of 5
`
`US 7,890,371 B2
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`GOOG-1019
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`U.S. Patent
`
`Feb. 15, 2011
`
`Sheet 5 of 5
`
`US 7,890,371 B2
`
`memory
`and electronic purse
`
`establishing an information service
`platform connecting with an electronic
`data interchange platform network, and
`also connecting a cash register of
`business vender with a card reader
`
`
`(
`start
`)
`
`$20
`S10
`1
`
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`Sa
`
`<
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`card comprising RFID
`
` a consumer applies lor a
` 530
`ate judging if the cash ——
`
`no
`register of business vender receives a
`ae request of paying bill by the ae
`memory card
`
`S40
`yes /
`
`
`
`the card reader to access balance of electronic purse of
`the memory card, and then charging for the expenditure
`amount according to the accessed balance
`
`no
`
`if the balance of the
`electronic purse of the memory card 1s
`enoughfor paying the expenditur
`amount
`
`
`
` commanding, by the cash register of business vender,
`
`ft S507
`
`S80
`
`
`
`
`
`rejecting the memory
`card for paying bill
`
`
`
`
`
`charging the clectronic purse for the expenditure
`amount, and transmitting expenditure information
`received by the cash register to the mlormation
`service platform for saving, and also transmitting
`at least part of the expenditure informationto the
`memory card
`
`
`
`S60
`
`S70
`
`
`
`
`
`commanding the memory card to save
`information transmitted from the
`information service platform
`
`
`end
`FIG. 5
`
`
`
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`US 7,890,371 B2
`
`1
`METHOD FOR PROCESSING TRANSACTION
`INFORMATION
`
`
`
`BACKGROUND OF THE INVENTION
`
`2
`frame and an electronic data interchange platform, transac-
`tion information reccived bycash register connecting a card
`reader in transmitted to the consumers. The method for pro-
`cessing transaction information comprises the following
`steps: providing a mobile electronic device and establishing
`an information service platform to connectthe electronic data
`interchange platform, wherein the mobile electronic device
`has a built-in Subscriber Identity Module (SIM) card with a
`contactless Radio I'requency Identification (RFID) and an
`electronic purse for providing the consumer with a means of
`paymentofbills, and the information service platform is for
`saving the transaction information sent from the cash register
`at the business vender’s side via the route mainframe and the
`
`electronic data interchange platform, and for establishing a
`message transmission channel with the mobile electronic
`device via a wireless transmission processing apparatus; hav-
`ing the card reader access the electronic purse of the mobile
`electronic device to obtain a balance thereof, when the cash
`register at the business vender’s side receives a request of
`payment of bills by the mobile electronic device; judging
`whether the balance of the electronic purse is enough for
`payment of bills. if not, prohibiting the mobile electronic
`device from proceeding to the payment ofbills, and terminat-
`ing the processing of the transaction information.ifyes, hav-
`ing the mobile electronic device proceed to the payment of
`bills, and allowing the cash register to send, via the route
`mainframe andthe electronic data interchange platform, the
`transaction information received to the information service
`platform for saving: followed by allowing the information
`service platform to send outat least a part of the transaction
`information to the mobile electronic device via the wireless
`transmission processing apparatus, and then terminating the
`processing ofthe transaction.
`Furthermore, another embodiment of the method of the
`present
`invention for processing transaction information
`comprises the following steps: providing a memory card and
`establishing an information service platform to connect the
`electronic data interchange platform, wherein the memory
`card has a contactless Radio FrequencyIdentification (RFID)
`and an electronic purse for providing the consumer with a
`means for paymentof bills, and the information service plat-
`form is configured for saving the transaction information sent
`fromthe cashregister at the business vender’s side via route
`maintrame andelectronic data interchange platform; having
`the card reader access the electronic purse ofthe memory card
`to obtain a balance thereof, when the cash register receives a
`request for the paymentofbills by the memory card; judging
`whetherthe balanceofthe electronic purse is enough for the
`paymentofbills, if not, prohibiting the memorycard from
`proceeding to the payment ofbills and terminating the pro-
`cessing of the transaction information; if yes, having the
`memory card proceed to the paymentofbills, and allowing
`the cashregister to transmit, via the route mainframe and the
`electronic data interchangeplatform,the transaction informa-
`tion to the informationservice platform for saving, followed
`by allowing the cash register to transmitat least a part of the
`transaction information to the memorycard for saving, and
`finally terminating the processing of the transaction informa-
`tion.
`
`
`
`transaction information of
`Compared with traditional
`paper invoice, the method of the present invention for pro-
`cessing transaction information enables business venders to
`
`1. Field of the Invention
`This invention generallyrelates to methods for processing
`transaction information, and morespecifically, to a method
`for processing transaction information for enabling business
`venders to provide consumers with paperless transaction
`information.
`2. Description of Related Art
`Modern information communication speed has been
`enhanced dramatically due to prosperous development in
`computer and related network technology. and further pro-
`moting convenience of
`information transmission. For
`instance, the way electronic commerce carries out business
`transactions via computer network has completely changed
`the operation modeof global business.
`The most common business-to-business electronic com-
`mereceis, for instance, electronic invoice platformretailer and
`business vender; as shown in FIG. 1, the retailer is, e.g.
`supermarket, wholesaler, convenience store, or others, while
`the business vender can be, e.g. product manufacturer, prod-
`uct importer, or others: when the retailer has a transaction :
`demand, a retailer computer system 10 transmitsan electronic
`order to a business vender computer system 13 via a roule
`mainframe 11, e.g. a network apparatus, and an electronic
`data interchange (EDI) platform 12, thereby enabling the
`business vender to generate an electronic invoice correspond-
`ing to received electronic order, and then the business vender
`computer system 13 transmits the generated electronic
`invoice to the retailer computer system 12 via the EDIplat-
`form 12 and the route mainframe 11; accordingly, paperless
`invoice informationis able to be transmitted businessto busi-
`ness via the electronic invoice platform,thereby reducing cost
`of paper, fax, manpower, and time.
`Since most invoices are issued according to transaction
`behavior of consumers, for instance, there are about eighty
`hundred million invoices issued to consumers annually in
`‘larwan vicinity, and the vast invoice amount cannot take
`advantage of foresaid electronic invoice platform,therefore,
`consumers cannot be provided with paperless invoices.
`In view ofthe above, it is a highly urgent issue in industry
`of the business-to-customer electronic commerce how to
`enable the business to provide paperless transaction informa-
`tion to the customer.
`
`mB wu
`
`2
`
`36
`
`35
`
`40
`
`45
`
`SUMMARYOF THE INVENTION
`
`In view of the disadvantages of the prior art mentioned
`above, it is a primary objective of the present invention to
`provide a method for processing transaction information,
`therebyenabling business venders to provide paperless trans-
`action information to consumers, e.g. invoice information,
`and further lowering consumption of paper, manpower, and
`time for printing the transaction information.
`It is another objective of the present inventionto provide a
`method for processing transaction information,
`thereby
`enabling consumersto effectively and conveniently manage
`transaction information generated fromtransaction behavior.
`To achieve the aforementioned and other objectives, a
`method for processing transaction information is provided
`according to the present invention, the method for processing
`transaction informationis used for enabling business venders
`to provide consumers with paperless transaction information,
`e.g. invoice information, in a mannerthat, via a route main-
`
`50
`
`55
`
`60
`
`65
`
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`US 7,890,371 B2
`
`3
`provide consumers with electronic transaction information,
`so as to achieve objective ofpaperless transaction information
`process.
`
`BRIEF DESCRIPTION OF DRAWINGS
`
`
`
`The present invention can be more fully understood by
`reading the following detailed description of the preferred
`embodiments, with reference made to the accompanying
`drawings, wherein:
`FIG.1 is diagramillustrating a prior schematic architecture
`of business-to-business electronic invoice platform:
`FIG. 2 is a diagramdepicting a schematic architecture of a
`first embodiment of implementing method of the present
`invention for processing transaction information;
`FIG. 3 is an operational flowchart depicting the first
`embodimentof the method of the present invention for pro-
`cessing transaction information;
`FIG.4 is a diagram depicting a schematic architecture of a
`n> D
`second embodiment of implementing the method of the 2
`present invention [or processing transaction information; and
`FIG. 5 is an operational flowchart depicting the second
`embodiment ofthe method ofthe present invention for pro-
`cessing transaction information.
`
`DETAILED DESCRIPTION OF PREFERRED
`EMBODIMENTS
`
`The following illustrative embodiments are provided to
`illustrate the disclosure ofthe present invention; those in the
`art can apparently understand these and other advantages and
`effects after reading the disclosure of this specification. The
`present invention can also be performedor applied by other
`different embodiments. The details of the specification may
`be on the basis ofdifferent points and applications, and
`numerous modifications and variations can be devised with-
`out departing fromthe spirit of the present invention.
`Please refer to FIG. 2, which is a diagram depicting a
`schematic architecture ofa first embodimentof implementing
`the method ofthe present inventionfor processing transaction
`information; as shown in the T'IG, to implement the first
`embodimentof the method of the present invention for pro-
`cessing transaction information, at Icast the following clc-
`ments are required: a cash register at a business vender’s side
`20, acardreader 200, a route mainframe21, an electronic data
`
`interchange (EDI) platform 22, an information service plat-
`form 24, a wireless transmission processing apparatus 25, and
`a mobile electronic device 4, wherein the cash register 20, the
`card reader 200, the route mainframe 21, the EDI platform22,
`and the mobile electronic device 4 are essential hardware
`elements for implementing an established mobile payment
`mechanism of newly-target Near Tield Communication
`(NI'C) chip in the current market, and in order to simplify
`description andillustration, no detailed descriptions of archi-
`tecture and operation of these said hardware elements are to
`be given hereafter. Followed are only descriptions of hard-
`ware elementsrelated to implementation ofthe method ofthe
`present invention for processing transaction information.
`The methodofthe present invention for processing trans-
`action information is for enabling the business venders to
`provide consumers with paperless transaction information,
`e.g. invoice information, in addition to the mobile payment
`mechanism. It has to establish an information service plat-
`form 24 to connect the electronic data interchange platform
`22, allowing the informationservice platform24 to establish
`a message transmission channel with the mobile electronic
`device 4 via the wireless transmission processing apparatus
`
`36
`
`35
`
`40
`
`45
`
`50
`
`55
`
`60
`
`65
`
`4
`25. Therefore, when the cash register 20 accepts electronic
`purse provided bythe mobile electronic device 4 to paybills,
`the cash register at the business vender’s side 20 is made to
`transmit, via the route maintrame 21 and the electronic data
`interchangeplatform22, transaction information received to
`the information service platform24, and thenthe information
`service platform 24 saves the transaction information. The
`transaction information includes related messages of, e.g.
`invoice number, transaction date, transaction time, location
`wheretransaction is made, store name where transaction is
`made, transaction items, transaction amount, and so on. In
`addition, the transaction information can be one of various
`combinations or a part of messages; in other words, a com-
`bination of the transaction information depends on content
`demand for consumers. If this allows the consumeror busi-
`ness venders to be able to inquire messagesrelated to trans-
`action informationvia the information service platform 24.
`Besides, after having, saved the transaction information,the
`informationtransactionplatform 24 transmits at least a part of
`the transaction information to the mobile electronic device 4
`via the wircless transmission processing apparatus 25. In
`another embodiment,after the at least a part ofthe transaction
`information, such as invoice information, has been transmit-
`ted to the mobile electronic device 4, whether the mobile
`electronic device 4 is to save theat least a part of the trans-
`action information, is determined according to the predeter-
`minedstorage selling of the mobile electronic device 4.
`By implementing the method ofthe present invention for
`processing transaction information, a business vender has no
`need of providing consumers with traditional paper invoice,
`thereby achieving objective of paperless process of transac-
`tion information. Referring to FIG. 2, the mobile electronic
`device 4 is a mobile phone and the wircless transmission
`processing apparatus 25 is a Global System for Mobile
`(GSM), thereby enabling the informationserviceplatform 24
`to transmitthe at least a part of the transaction information to
`the mobile phone by meansof text message via the Global
`System for Mobile. However, it has to be noted that system
`elements for implementing the method ofthe present inven-
`tion for processing transaction informationare not restricted
`to as stated herein. hat is to say that an applicable systematic
`architecture depends on a practical implementation mode.
`Turthermore, in order to prevent the transaction informa-
`tion from taking up too much memoryspace of the mobile
`electronic device 4, the information service platform 24 is
`capable of simply transmitting messagesof the invoice num-
`ber and the transaction amount ofthe transaction information
`to the mobile electronic device 4. Since invoice number and
`transaction amounttake less storage space, they accordingly
`do not take up too much of memoryspace of the mobile
`electronic device 4. However, it should also be noted that the
`transaction information to be saved in the mobile electronic
`device 4 is not restricted as stated herein; the mobile elec-
`tronic device 4 can also simply save invoice numbers of the
`transaction information. The memory unit ofthe mobile elec-
`tronic device 4 can be, for instance, a SIM card or a built-in
`memory. At the time that a consumerhas anyinquiry for more
`detailed transaction information, the consumercanresort to
`the information service platform 24 for further inquiry, e.g.
`inquiring invoice message.
`Please refer to FIG. 3, which is an operational flowchart
`depicting the first embodimentof the method of the present
`inventionfor processing transaction information. As shownin
`the drawing, the method ofthe present invention may either
`proceed from step S1 or step S2. Ifstep S1 is to be startedfirst,
`a consumerhasto first apply for a mobile electronic device
`having a built-in Subscriber Identity Module (SIM) card com-
`
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`US 7,890,371 B2
`
`— 0
`
`e 5
`
`36
`
`35
`
`5
`prising a contactless Radio FrequencyIdentification (RFID)
`and an electronic purse. The electronic purse provided by the
`mobile electronic device allows the consumer to implement
`the paymentofbills. Then, proceeding to step S3.
`If step S2 is to proceedfirst, an information service plat-
`formis established to connect the electronic data interchange
`platform network for saving the transaction information sent
`from the cash register at a business vender’s side via the route
`mainframe andtheelectronic data interchange platform. Fur-
`ther, the information service platform is allowed to establish
`a message transmission channel with the mobile electronic
`device via the wireless transmission processing apparatus. In
`addition, the cash register at the business vender’s side is to be
`connected with a card reader. Then, proceeding to step $3.
`In step S3, the cashregister at the business vender’s side
`judges whether a request for the paymentofbills is received
`by amobileelectronic device; ifno, step S3 is repeated; ifyes,
`step $4 is to be proceeded.
`In step 84, the card reader connected to the cash register at
`n> D
`the business vender’s side is ordered bythe cashregister to 2
`access theelectronic purse ofthe mobile electronic device so
`as to obtained a balance ofthe electronic purse. Then, pro-
`ceeding to step S5.
`In step S5, the cash register at the business vender’s side
`judges whetherthe obtained balance ofthe electronic purseof 2
`the mobile electronic device is enough for the payment of
`bills. If no, the method proceeds to step $8; if yes, then the
`method proceeds to step S6.
`In step S6, the mobile electronic device proceeds to the
`paymentofbills by charging the transaction amount of the
`bills to the electronic purse. It in turn makesthe cash register
`transmit received transaction information, via the route main-
`frame and the electronic data interchange platform, to the
`information service platform for saving; the information ser-
`vice platform is also allowed to transmit at least a part of the
`transaction information to the mobile electronic device via
`the wireless transmission processing apparatus. Theat least a
`part of the transaction information is a message ofan invoice
`number, a transaction date, a transaction time, a location
`wherethe transaction is made, a store name wherethe trans-
`action is made, a transaction item, a transaction amount and
`so on. The content ofthe message can be preset according to
`the memorysize provided by the mobile electronic device; in
`other words, transmission ofthe demanded message depends
`on the implementation mode. Then, proceeding to step 87.
`In step 87, the mobile electronic device saves information
`transmitted from the information service platform, and then
`terminating the processing of the transaction information. In
`another embodiment,after the at least a part ofthe transaction
`information has been transmitted to the mobile electronic
`device, whetherthe at least a part of the transaction informa-
`tion is to be saved in the mobile electronic device, is deter-
`mined according to a predetermined storage setting of the
`mobile electronic device. In other words, the mobile elec-
`tronic device is capable of deciding whether to save the at
`least a part of the transaction information. In practice, the
`consumerof the mobile electronic device is allowed to sct up
`the mobile electronic device for deciding if the transaction
`informationis to be saved. Accordingly, with electronic trans-
`action information provided by the business venderandset-
`ting of the mobile electronic device for deciding whether to
`savetransaction information, the consumeris provided witha
`more efficient means ofmanaging personal transactioninfor-
`mation, such as invoice messageor transaction amount.
`In step S8, since the cashregister at the business vender’s
`side has judged that the balance ofthe electronic purse of the
`mobile electronic device is not enough for the payment of
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`45
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`55
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`6
`bills, the mobile electronic device is prohibited from proceed-
`ing lo the payment of bills, and the processing of the transac-
`tion information is accordingly terminated.
`Please refer to FIG. 4, which is a diagram depicting a
`schematic architecture of a second embodiment ofimple-
`menting the method of the present invention for processing
`transaction information. As shown in the drawing, to imple-
`ment the second embodiment of the method of the present
`invention for processing transaction information:a cash reg-
`ister at a business vender’s side 30, a card reader 300, a route
`mainframe 31, an electronic data interchange (EDI) platform
`32, an informationservice platform 34, and a memory card 5
`are required. The memory card 5 canbe, e.g. a stored value
`card, a bank card, a credit card, or a micro mobile payment
`(MMP)purse card. Further, the cash register 30, the card
`reader 300 connected to the cash register 30, the route main-
`frame 31, the ED! platform 32, and the memorycard 5 are
`essential hardware elements for implementing an established
`micro mobile payment mechanism of ISO14443 standard
`card in the current market. In order to simplify description
`and illustration, no detailed descriptions of architecture and
`operation of these hardware elements are to be given hereaf-
`ter. Followed are only descriptions of hardware elements
`related to implementation of the method ofthe present inven-
`tion for processing transaction information.
`The method for processing transaction information of the
`present embodimentis used for enabling business venders to
`provide consumers with paperless transaction information. In
`addition to the requirement for the establishment of micro
`mobile payment mechanism of ISO14443 standard card, the
`method hasto establish an information service platform 34 to
`connect the electronic data interchange platform 32. By such,
`when the cash register 30 accepts the electronic purse pro-
`vided by the memorycard 5 from a consumerfor the payment
`of bills, the cash register 30 transmits received transaction
`information, via the route mainframe 31 and the electronic
`data interchangeplatform 32, to the informationserviceplat-
`form 24, and the informationservice platform 24 saves the
`transaction information, wherein the transaction information
`includes messagese.g. invoice numbers, a transaction date, a
`transaction time, a location where the transaction is made, a
`store name wherethe transaction is made, a transactionitem,
`a transaction amount, and so on. Different transaction infor-
`mation can be formed by combinations of the messages; in
`other words, different messages can be collected and com-
`bined according to the demandfor the content of the transac-
`tion information. Therefore, consumers or business venders
`are able to inquire messagesrelated to the transaction infor-
`mation via the information service platform 24. Furthermore,
`afler the cashregisterat the business vendor’s side 30 accepts
`the consumersto paybills by using the electronic purse pro-
`vided by the memory card 5, the cash register 30 writes at
`least a part of the received transaction information to the
`memory card 5 via the card reader 300. Accordingly, the
`method. for processing transaction information is used for
`enabling business venders to provide consumers with paper-
`less
`transaction information without
`traditional paper
`invoices, thereby achieving objective ofpaperless transaction
`information process.
`The samereason asthatin the first embodiment. In order to
`prevent the transaction information fromtaking up too much
`memory space of the memorycard 5, the cash register can
`only transmit the messages of the invoice number and the
`transaction amount to the memory card 5 for saving since they
`do not take up too much memoryspace ofthe memory card 5.
`However, it should be noted that the transaction information
`to be saved in the memorycard 5 is not limited to those as
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`US 7,890,371 B2
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`stated herein. The memory card 5 can also simply save the
`invoice numberof the transaction information. Ifa consumer
`has any inquiry for more detailed transaction information, the
`consumer can go to the information service platform 34 for
`further inquiry.
`Please refer to FIG. 5, which is an operational flowchart
`depicting the second embodiment of the method of the
`present invention for processing transaction information. As
`shown in the drawing, the method of the present invention
`may either proceed from step S10 or step 520. If step $10 is
`to be started first, a consumerhasto first apply for a memory
`card having a contactless Radio Frequency Identification
`(RFID) and an electronic purse. The electronic purse pro-
`vided by the mobile electronic device allows the consumerto
`implement the payment of bills. Then, proceeding to step
`$30. If step $20 is to proceed first, an information service
`platformis established to connect the electronic data inter-
`change platform network for saving the transaction informa-
`tion sent from the cashregister at a business vender’s side via
`n> D
`the route mainframeandthe electronic data interchangeplat- 2
`form. In addition, the cash register at the business vender’s
`sideis to be connected with a card reader. Then, proceeding to
`step $30.
`In step S30, the cash register at the business vender’s side
`Nea
`judges whether a request for the paymentofbills is received :
`by a mobile electronic device; if no, step $30 is repeated: if
`yes, step 540 is to be proceeded.
`In step S40, the card reader connectedto the cashregister at
`the business vender’s side is ordered bythe cash register to
`access the electronic purse of the memory card so as to
`obtained a balance ofthe electronic purse. Then, proceeding
`to step S50.
`In step S50, the cashregister at the business vender’s side
`judges whetherthe obtained balance ofthe electronic purse of
`the memorycard is enoughfor the paymentofbills. Ifno, the
`method proceedsto step S8; if yes, then the method proceeds
`to step S60.
`In step S60, the memory card proceeds to the payment of
`bills by charging the transaction amountofthe bills to the
`electronic purse. It in turn makes the cash register transmit
`received transaction information, via the route mainframe
`and the electronic data interchange platform,to the informa-
`tion service platform for saving. and at least a part ofthe cash
`register transmit received transaction information 1s transmit-
`ted to the memory card via the card reader. Then, proceeding
`to step S70.
`In step S70, the memory card saves at least a part of the
`transaction information, and then terminating the processing
`of the transaction information.
`In step $80, sincethe cashregister at the business vender’s
`side has judgedthat the balance of the electronic purse of the
`memorycard is not enough for the payment ofbills, the
`memorycard is prohibited from proceeding to the payment of
`bills, and the processing of the transaction information is
`accordingly terminated.
`Tn view of the above, the method of the present invention
`for processing transaction information is capable of enabling
`busi