CN104657853A - Point transaction system and method for mobile communication device - Google Patents

Abstract

The invention discloses a point transaction system and method of mobile communication device, which comprises at least an encryption chip, a function menu defined in the encryption chip, a storage device connected with the electronic communication device information and at least a point unit corresponding to the storage device and cooperating with the storage device, through the structure and the following steps: the first user converts the currency to the relevant units into a point unit and stores the point unit into a storage account number of the first user; the first user transmits the point number units in the stored account number to the stored account number of the second user by operating the first electronic communication device; the second user uses the point unit in the second user's storage account number through the second electronic communication device, and the practical progress that the transmission of the point is convenient and the security is good is achieved.

Description

Point transaction system and method for mobile communication device

technical field

The present invention relates to a system for point transaction by mobile communication device and a method for using the system, in particular to a point transaction system and method for mobile communication device which is convenient for point transmission and has good security.

Background technique

Business activities in today's society are frequent, and there are often large-scale capital transactions. In order to transfer funds, it is necessary to go to the corresponding place for operations, such as banks or ATMs.

This kind of financial behavior, in addition to domestic business, goes further to foreign business, and the problems involved are even more complicated, such as exchange rate, whether there is business relationship between banks, etc., so that the transmitting end and the receiving end often suffer from this. .

In addition, workers working abroad often use mobile phones to communicate with family members in their hometown. For foreign workers, they cannot quickly obtain local identity documents, and the above-mentioned various financial behaviors are difficult for foreign workers. For workers, it is more complicated and difficult.

Furthermore, the function of the mobile phone is slightly monotonous when it is only used for communication, and other services cannot be further provided. Therefore, in response to this situation, there is a corresponding mobile phone patch. Through the combination of the patch, the mobile phone has more functions and However, among the various functions, there is still no method that can effectively improve the above-mentioned financial problems.

In addition, there is a network platform in the existing practice, which integrates some of the above problems and improves them. Users log in to this platform through their accounts and convert cash into transaction points on this platform, thereby replacing the problem of cash transactions. This system and method can only be operated on a computer, and the security only depends on the account password. If the account password is stolen, the internal valuable transaction points will be transferred very easily, resulting in losses for users.

In view of this, the present inventor aimed at many defects and inconveniences caused by the imperfect design of the point trading system of the above-mentioned mobile communication device, and deeply conceived, and actively researched and improved the trial production to develop and design this case.

Contents of the invention

The purpose of the present invention is to provide a point transaction system and method of a mobile communication device which is convenient for point transmission and has good security.

In order to achieve the above object, the solution of the present invention is:

A point trading system for mobile communication devices, which is applied to the system architecture of corresponding transactions between multiple electronic communication devices, the system architecture includes:

At least one encryption chip, and the encryption chip is combined with the SIM card in the electronic communication device; a function menu defined in the encryption chip and operated by the user; a plurality of storage devices respectively linked to the information of the electronic communication device; And at least one point unit linked with the storage device information, when the electronic communication device combined with the encryption chip is used to transmit points, the user operates through the function menu, and uses the encryption chip to operate the corresponding corresponding The point unit in the storage device is transferred.

The above-mentioned electronic communication device is an equipment of a mobile communication device.

The aforementioned mobile communication device is defined as one of a mobile phone, a tablet computer or a notebook computer.

A point trading method for a mobile communication device, which is applied to a system framework for corresponding transactions between multiple electronic communication devices, the steps include:

a. The first user converts the currency to the relevant unit into a point unit, and deposits it in the storage account of the first user;

b. The first user transmits the point unit in the storage account to the storage account of the second user by operating the first electronic communication device;

c. The second user uses the point unit in the storage account of the second user through the second electronic communication device.

The above-mentioned first electronic communication device is further combined with an encryption chip, and the encryption chip is combined with the SIM card in the electronic communication device, and a function menu is defined in the encryption chip, and the function menu is for the user to operate.

The above-mentioned currency is the currency of any country, and the relevant unit is a local service agency.

The above-mentioned point units can be used for payment or exchanged for local currency.

After adopting the above structure, the mobile communication device point transaction system and method of the present invention, when the transmission end wants to perform a transmission action, through the operation of the electronic communication device combined with the encryption chip, through the operation of the function menu, the corresponding electronic communication The point unit in the storage device of the device is transmitted to the storage device of the electronic communication device at the receiving end, and the receiving end then sends the point unit to the corresponding service station for subsequent operations. In this way, both users can pass The electronic communication device can complete the transaction transmission without going to a financial institution such as a bank, and can be operated anytime and anywhere, so as to achieve practical progress that is convenient for point transmission and has good security. 

Description of drawings

Fig. 1 is a schematic diagram of the architecture of a preferred embodiment of the present invention;

Fig. 2 is a schematic flow sheet of a preferred embodiment of the present invention;

Figure 3 is a schematic diagram of the action of a preferred embodiment of the present invention (1);

Figure 4 is a schematic diagram (2) of the action of a preferred embodiment of the present invention;

Fig. 5 is a schematic diagram (3) of the action of the preferred embodiment of the present invention.

Description of main component symbols

Encryption Chip 1 Function Menu 11 Storage Device 2

Point unit 3 electronic communication device 4 SIM card 41.

Detailed ways

In order to further explain the technical solution of the present invention, the present invention will be described in detail below through specific examples.

Please refer to Fig. 1 and shown in Fig. 2, it is a schematic diagram and a schematic flow diagram of a preferred embodiment of the present invention, and it can be clearly seen that the present invention includes:

At least one encryption chip 1, and the encryption chip 1 is combined with the SIM card 41 in the electronic communication device 4;

A function menu 11 defined in the encrypted chip 1 and operated by the user;

a plurality of storage devices 2 respectively connected to the electronic communication device 4; and

At least one point unit 3 information-linked with the storage device 2 .

The electronic communication device 4 is a mobile communication device, which is further defined as one of a mobile phone, a tablet computer or a notebook computer.

Its usage steps include:

a. The first user converts the currency to the relevant unit into a point unit, and deposits it in the storage account of the first user;

b. The first user transmits the point unit in the storage account to the storage account of the second user by operating the first electronic communication device;

c. The second user uses the point unit in the storage account of the second user through the second electronic communication device.

Please refer to Fig. 1, Fig. 3, Fig. 4 and Fig. 5 at the same time, which are the structure diagram, action diagram (1), action diagram (2) and action diagram (3) of a preferred embodiment of the present invention. It can be clearly seen that when using for the first time, the transmission end needs to combine the electronic communication device 4 held by it with the encryption chip 1, attach the encryption chip 1 to the SIM card 41, and make it connect to the action, and at the system end of the present invention Generate a corresponding storage device 2, and then convert the money into the point unit 3 and store it in the storage device 2 through related unit operations and user operations; when the point unit 3 is to be transmitted, through the operation of the electronic communication device 4, And in cooperation with the action of the encryption chip 1, a randomly generated password is transmitted to the electronic communication device 4 of the receiving end, and a message is used to inform the receiving end that there is a transmission of a point unit 3. At this time, the receiving end is the user who uses this system for the first time At the same time, apply to the system end, and generate a corresponding storage device 2. After entering the password, store the point unit 3 in the storage device 2 of the receiving end to complete the transmission action; if the receiving end has stored Device 2 does not need to carry out the above-mentioned application steps, just input the password directly and receive the point unit 3; through the above-mentioned structural action and method, as long as the operation is performed on the electronic communication device 4, the transmission action can be performed anytime and anywhere , and when this system further cooperates with the financial institutions of various countries, it will greatly simplify the problems and procedures of currency conversion. Here is a simple application example. The transmission end (that is, the first user) in country A The relevant unit of the local currency is exchanged for the point unit 3, and stored in the first user's storage account (that is, the corresponding storage device 2), and the first user operates the first electronic communication device to convert the storage account The point unit 3 is transmitted to the storage account of the second user (that is, the storage device 2 corresponding to the second user), and the second user is located in country B, and the point unit 3 can be processed after receiving it. Use, such as taking it to pay or exchange it into the local currency of country B, so as to achieve practical progress that is convenient for point transmission and has good security.

Therefore, the point trading system and method of the mobile communication device of the present invention can improve the existing technical key lies in:

Only by combining the SIM card 41 on the electronic communication device 4 with the encryption chip 1, the system can be used. Further, through the transmission of the point unit 3, the problem of cumbersome mutual conversion of various currencies is completely improved, and then a convenient Practical progress with good point transmission and security.

The above-mentioned embodiments and drawings do not limit the form and style of the product of the present invention, and any appropriate changes or modifications made by those skilled in the art should be considered as not departing from the patent scope of the present invention.

Claims (7)

1. A mobile communication device point trading system, which is applied to the system architecture of mutual corresponding transactions between multiple electronic communication devices, characterized in that the system architecture includes: At least one encryption chip, and the encryption chip is combined with the SIM card in the electronic communication device; 1. Function menu defined in the encrypted chip and operated by the user; a plurality of storage devices respectively linked to the information of the electronic communication device; and At least one point unit linked with the storage device information, when the electronic communication device combined with the encryption chip is used to transmit points, the user operates through the function menu, and uses the encryption chip to operate the corresponding matching The point unit in the storage device is transferred. 2. The point transaction system for mobile communication devices as claimed in claim 1, wherein the electronic communication device is an equipment of a mobile communication device. 3. The mobile communication device point transaction system according to claim 2, wherein the mobile communication device is defined as one of a mobile phone, a tablet computer or a notebook computer. 4. A mobile communication device point trading method, which is applied to the system architecture of mutual corresponding transactions between multiple electronic communication devices, characterized in that the steps include: a. The first user converts the currency to the relevant unit into a point unit, and deposits it in the storage account of the first user; b. The first user transmits the point unit in the storage account to the storage account of the second user by operating the first electronic communication device; c. The second user uses the point unit in the storage account of the second user through the second electronic communication device. 5. The mobile communication device points trading method according to claim 4, characterized in that: the first electronic communication device is further combined with an encryption chip, and the encryption chip is combined with the SIM card in the electronic communication device, and the encryption A function menu is defined in the chip, and the function menu is for users to operate. 6. The point trading method for mobile communication devices as claimed in claim 4, wherein the currency is any national currency, and the relevant unit is a local service organization. 7. The point transaction method for a mobile communication device as claimed in claim 4, wherein the point unit can be used for payment or exchanged for local currency.