201216169 六、發明說明： 【發明所屬之技術領域】 本發明係有關於一種儲值裝置及儲值卡， 非接觸式儲值卡之手持通訊裝置。 、】疋有關於一種 【先前技術】 一般來說，信用卡廣泛應用於金融交易或丄 主要鋪式侧卡。另外，傳統智慧卡，目前 =mmX54mm，-般顧融交衫統如麵^寸為 卡；或是身分認證纽如健康保險卡。t刷卡時 條上之資訊，以驗證身份，利於信肢易之進行。惟^ = ίΐίί信时純奴科造鱗生問題。岭輸人密碼i遭 【發明内容】 本發明可提供-種適用於非接觸式金融卡、非 ί'非接觸式儲存卡或上述之複合卡。上述非接觸卡包含I積體 電路1C卡。而對於固定式終端機的應用而言，具技 能^例如在自動提款機（ΑΤΜ)，使用者可在自動提款機' 才呆作，或感應式刷卡機或讀卡機操作，以提供消費或 本發明揭露-種侧卡，其包含-基底，其特徵在用卡之 基底包含一 1C耦合到一訊號發射接收裝置，以利於透過訊號發射 接收裝置以電磁感應或是電磁共振進行非接觸式信用交易，其中 該1C儲存該信卡相關資訊以利於交易認證。如卡號、有效曰期、 及使用者相關資訊。其中上述訊號發射接收裝置得為一天線或感 應線圈。如平面天線，如PIFA、指叉天線、複數迴圈天線。該天 線或感應線圈配置於該基底内部或外表面。 本發明亦得為一種金融卡，其包含一基底，該基底包含—IC 耦合到一天線或感應線圈，以利於以電磁感應或是電磁共振進行 ^接觸式金融交易，其中該1C儲存該金融卡相關資訊以利於交易 認證。包含使用者相關資訊、密碼、帳戶資訊、開戶銀行資訊等 3 201216169 等 在於基聽含卡包含—赫，其特徵 其中該IC ^存是電磁共振進行非接觸式信用交易， 機連接器連接。其中該訊紐射接 基外天線或感應線圈配置於該 用戶身分辨識碼。 孩外部。該訂戶辨識模組卡包含 ;種手持通5隨置，其特徵在於包含輕合 ϊίϊΐίίϋΓ利於透過該訊發射接收裝置以電^感應 利於六易:=接觸式交易，其中該1c儲存認證相關資訊以 中識ϊ儲存於該手持裝置中或一訂戶辨識模組 詈G輪面以利於與手機連接器連接。其中手持通 況裝置包括-彳了動電話或—個人數位助理。 述之需求’本發明提出—種非接觸式侧卡讀卡機，其特 S二ϊΐ觸式讀寫器’輪合到非接觸式訊號發射接收褒置， 2 非接觸式铜卡讀卡機於額_合到遠 =以利於父易認證。其中該非接觸式交易訊號發射接收 置包含一天線或感應線圈。 ^ -種非接觸式金融提款機’其特徵相較於習知技術，其 二非，觸式讀寫器’合_接觸式訊號發射接收裝置，以利於 透過該非細式訊號發射接收裝置以f磁錢或是€磁共振進行 非接觸式金融衫’其巾非_式金融提織於顧_合 端伺服器以利於交易認證。其中該非接觸式交易訊號發射接收步 置包含一天線或感應線圈。 、 -種具有非接觸式卡之手持軌裝置，手制訊裝置包 戶辨識模組卡，其賴在於包含非接赋卡具有―基底，配置於 4 201216169 ，”裝置外部或内部，輕接該手持通訊裝置； ㈣柄合以利於進觸訊號發射接收裝置，與 m Γ f冑心_輸’其中該非接觸式卡包含 料該非接觸模其組合， Ζίΐϊ、; $及;ί非接觸訊號發射接收裝置係 過;“接::二ίίϊ或電磁感應對該非接觸卡提供電源，並透 交易資訊於該手持通 出交易透過該手持通訊裝置，她^ 【實施方式】 以下說明提供清楚明確的描述’以提供對於本發明實施 ϊΐίϊ:，考圖式與下列之說明，其目的只是為了說明本發 用並非用以限制本發明之權利範圍。本發明適 用父易、金融交易等認證應用，如固定式終端機， :SL(iutratedTetoMaehine:ΑΤΜ)、刷卡機、讀卡機或 )讀卡f對上述應用 參考圖一，其顯示根據本發明之10卡1〇之示意圖。在一較 > 2例中’上述具有1C 12之基底材料可為類似使用於信用卡或 父卡中之塑膠材料。舉例而言，基底之材料較佳厚度範圍係為 a〇8mm至〇.i2mm之間。在又一較佳實施例中，上述冗卡之尺 ^料以及形狀適用於目前之金融卡、信用卡或標準用戶識別 模、'且卡。其特徵不採用磁條之直接接觸刷卡機制所造成之不便。 但本發明並未排除得以包含磁條而具備兩種操作模式。 如圖所示，係為根據本發明之1C卡之一表面示意。上述汇卡1〇 包含1C 12耦合至一天線14(或是電磁感應線圈），並且天線14之 位置可位於卡片中或表面任何位置，包含但不限定於ic卡之任一 5 201216169 面。以信用卡而言，使用者之資訊、認證 服務提供者可以槪儲存於IC中。IC卡:二 或是複數忙附著或喪入於上述IC卡中。上述 ^材f 3 *面’上述1C亦可包含記憶體，例如可電除且 (Electrically Erasable Programmable Read-Only Memory : EEPR0M)或快閃記憶體（Flash) : 以用於用戶識別應用等。 雨什貝τ叶 >舉:實施例中’其中該IC i⑽合得儲存該信卡相關資訊以利 於父易認證之記憶體122。資料包含但不限於，如卡號以、有效 日期12B、及使用者相關資訊12C或密碼、識別碼等。該汇12 與該記憶體122得為-整合IC。其巾±述訊 -天線或緣_。如平面碌，如PIFA、碎形錢、指為 ίΐί圈，ί。用卡則無須位於卡片表面之磁條或是金屬接 觸界面，例如一般金融卡上之複數金屬接觸點。 卡而言，根據本發明之以1〇可選擇省略訊號輸入/輸出 接觸界面16 ’亦可吨含上述輸人/輸出接觸界自16，以得以實施 接觸與非接觸父易5,總功能。此外，利於使用者變更密碼。而作 用卡則可賴此界面16。再者，IC卡之接齡社與習知之標^ 冬慧^的腳位相*，係為習知之標準智慧卡所提供之接觸介面。 因此瀆卡機可以透過輸入/輸出介面溝通。可廣泛應用至固定式終 端機:包含自動提款機或端點銷售系統讀卡機'。在實施例中，^ 卡可為m包含但;f；限定於侧卡、金融提款卡、悠遊卡、 借貸卡、儲值卡。此外，基於此實施例應用之所需，本發明之實 施例之特徵更包含訊號、發射接收裝置，一般其可為一平面天線。 本發明之所述實施例，其尺寸大致上相當於金融卡或IC卡。其可 耦合至天線14，作為近距離電子無線交易或辨識功能。上述天線 14係可為一薄式、或平面式感應線圈或是所謂之平面天線，包含 但不限疋於圖中所示之迴圈式天線。在一實施例中，天線之配置 6 201216169 。’可财㈣料改變妇㉙対，透過天 相較於f吨術，本發明之伽在於鋪 務。，明具有下述之優點:提供非接觸式二 二目τ輸入或無輸入密碼’可避免遭他人側錄密碼。基 彳=卡過程損及卡片本體。基於非接觸“ 生i父易方式。此外，從卡片之外觀無任何個人資訊 ，特疋“7F，亦可無任何卡號或帳鶴示於肉眼可辨識之外201216169 VI. Description of the Invention: [Technical Field] The present invention relates to a stored value device and a stored value card, and a handheld communication device for a non-contact stored value card. 】 There is a kind of [previous technology] In general, credit cards are widely used in financial transactions or 丄 main shop side cards. In addition, the traditional smart card, currently =mmX54mm,-like Gu Rong shirts as the face of the inch card; or identity certification such as health insurance card. t When swiping the card, the information on the strip is used to verify the identity, which is conducive to the development of the body. However, when ^ = ίΐίί, the pure slaves made problems. The invention relates to a contactless financial card, a non-contactless memory card or the above composite card. The above contactless card includes an I integrated circuit 1C card. For the application of the fixed terminal, the skill ^, for example, in the cash dispenser (ΑΤΜ), the user can stay at the cash dispenser, or operate the inductive card reader or card reader to provide The invention or the invention discloses a side card comprising a substrate, the feature comprising a 1C coupled to a signal transmitting and receiving device on the base of the card for facilitating non-contact by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device Credit transaction, where the 1C stores the information related to the credit card to facilitate transaction authentication. Such as card number, effective expiration date, and user related information. The signal transmitting and receiving device is an antenna or an inductive coil. Such as planar antennas, such as PIFA, finger antenna, complex loop antenna. The antenna or induction coil is disposed on the inner or outer surface of the substrate. The invention also has a financial card comprising a substrate, the substrate comprising - an IC coupled to an antenna or an induction coil for facilitating electromagnetic contact or electromagnetic resonance, wherein the 1C stores the financial card Relevant information to facilitate transaction certification. Including user related information, passwords, account information, bank account information, etc. 3 201216169, etc. Depends on the base card containing the _, characterized by the IC ^ is the electromagnetic resonance for non-contact credit transactions, the machine connector is connected. The signal antenna is configured to be external to the antenna or the induction coil is disposed in the user identification code. Child outside. The subscriber identity module card includes a hand-held device, which is characterized in that it includes a light-emitting device, which is adapted to transmit and receive the device through the signal to facilitate the six-ease:=contact transaction, wherein the 1c stores the authentication-related information. The medium is stored in the handheld device or a subscriber identification module 詈G wheel to facilitate connection with the handset connector. Among them, the handheld status device includes - a mobile phone or a personal digital assistant. The demand of the present invention is proposed by the present invention. A non-contact side card reader, a special S-contact reader, is rotated to a non-contact signal transmitting and receiving device, and a non-contact copper card reader is provided. In the amount of _ to the far = to facilitate the father easy to authenticate. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil. ^ - A non-contact financial teller machine's feature is compared with the prior art, and the second, non-contact reader-integrated-contact signal transmitting and receiving device facilitates transmission of the receiving device through the non-fine signal f magnetic money or magnetic resonance for non-contact financial shirts, its non-style financial woven in the Gu _ end server to facilitate transaction certification. The non-contact transaction signal transmitting and receiving step comprises an antenna or an induction coil. - a hand-held rail device with a contactless card, and a hand-held device for identifying the module card, which is based on a non-connected card having a "base" disposed at 4 201216169, "on or outside the device, Hand-held communication device; (4) handle to facilitate the touch-to-signal transmission and reception device, and m Γ f胄心_输' wherein the non-contact card contains the non-contact mode combination, Ζίΐϊ,; $ and; ί non-contact signal transmission and reception The device is connected; "Connect:: 2" or electromagnetic induction to provide power to the contactless card, and through the transaction information in the handheld communication through the handheld communication device, she ^ [Embodiment] The following description provides a clear and clear description ' The present invention is to be construed as being limited to the scope of the present invention. The invention is applicable to the authentication application such as the parent and the financial transaction, such as the fixed terminal, the SL (iutratedTetoMaehine: ΑΤΜ), the credit card machine, the card reader or the card reader f. The above application refers to FIG. 1 , which shows the invention according to the present invention. Schematic diagram of 10 cards. In a case of > 2, the above-mentioned base material having 1C 12 may be a plastic material similar to that used in a credit card or a parent card. For example, the material of the substrate preferably has a thickness ranging from a 〇 8 mm to 〇. i 2 mm. In still another preferred embodiment, the size and shape of the redundant card are applicable to current financial cards, credit cards or standard subscriber identification modules, and cards. Its characteristics do not use the direct contact card mechanism of the magnetic strip to cause inconvenience. However, the present invention does not exclude the inclusion of a magnetic strip and provides two modes of operation. As shown, it is a surface representation of one of the 1C cards in accordance with the present invention. The card 1 12 includes a 1C 12 coupled to an antenna 14 (or an electromagnetic induction coil), and the antenna 14 can be located anywhere in the card or on the surface, including but not limited to any of the ic cards 5 201216169. In the case of a credit card, the user's information and the authentication service provider can be stored in the IC. IC card: 2 or multiple busy attachment or mourning into the above IC card. The 1C of the above-mentioned material f 3 * face may also include a memory, such as an Electrically Erasable Programmable Read-Only Memory (EEPROM) or a flash memory (Flash): for user identification applications and the like. Rain Shibe τ leaf > </ RTI> In the embodiment, wherein the IC i (10) is used to store the information related to the letter card to facilitate the parent-friendly memory 122. The information includes, but is not limited to, the card number, the effective date 12B, and the user related information 12C or password, identification code, and the like. The sink 12 and the memory 122 are - integrated ICs. Its towel ± report - antenna or edge _. Such as flat, such as PIFA, broken money, refers to ίΐί circle, ί. The card does not need to be located on a magnetic strip on the surface of the card or a metal contact interface, such as a plurality of metal contacts on a general financial card. For the card, according to the present invention, the optional input/output contact interface 16' can be omitted. The above input/output contact boundary can also be used to implement the contact and non-contact parental functions. In addition, it is convenient for the user to change the password. The role card can be relied on by this interface 16. In addition, the IC card's ageing society and the well-known standard ^ Dong Hui ^'s pin phase* are the contact interface provided by the standard smart card. Therefore, the Leica machine can communicate through the input/output interface. Can be widely applied to fixed terminal machines: including cash dispensers or end point sales system readers'. In an embodiment, the ^ card may be m; but; f; is limited to a side card, a financial withdrawal card, a leisure card, a debit card, a stored value card. In addition, based on the needs of the application of this embodiment, the features of the embodiments of the present invention further include a signal, a transmitting and receiving device, which may generally be a planar antenna. The described embodiment of the invention is substantially equivalent in size to a financial card or an IC card. It can be coupled to the antenna 14 as a near field electronic wireless transaction or identification function. The antenna 14 can be a thin, or planar induction coil or a so-called planar antenna, including but not limited to the loop antenna shown in the figures. In an embodiment, the configuration of the antenna is 6 201216169. ‘Cai Cai (4) is expected to change the woman’s 29 対, and the gamma of the present invention lies in the service through the sky compared to the f ton. It has the following advantages: providing contactless two-dimensional τ input or no input password ‘to avoid being recorded by others. Base 彳 = card process damage and card body. Based on the non-contact “family i father.” In addition, there is no personal information from the appearance of the card, especially “7F, no card number or account crane is visible to the naked eye.
另答於外觀上無法竊取或讀取任何相關資訊，提升安全性。 ，簽名亦可以採賴位方式儲存於記憶體122中，抑H s=;:::==rr加以客製化 辨識比對，提升3安: 亦可加入數位相片以利於 模用上=發_可轉其於手機之訂戶辨識 筷、，且卞上，參考圖二，亦即配置至少具有一天 内部或配置於表面或配置於手機内部或外部以利H 〒。其包含—訊號輸人輸出接觸接y 易之天線。域得交 辨==識⑼，或個· =‘二其界：可 弁進，τ i2a聯繫’作為資訊傳輸路徑。基於半 儲存加罐額度/記憶體中 20〇或卡片ir…/二具相關資訊得透過植於手機 間等。當需要力^^=)中9之乂/軟體顯示餘額或交易金額與時 南要加(儲)值時，得以透過非接觸式讀卡機或端點銷售系 7 201216169 統加(儲)值點數，或透過手機200下載或網際網路加(儲)值或下載 ，惠電子票卷(若手機200具有WiFi模組21〇，參第四圖）。如當 讀卡機感應餘額不足時，得以自動加(儲)值所預定或設定之額度， 再透過信用卡發卡銀行請款或輸入現金。 、―於巧作時，基於圖示之非接觸式讀卡器50或端點銷售系統得 =错由讀寫H提供電源，產生磁場(線圈式)以電磁錢方式在信用 卡(或其他1C卡、訂戶辨識模組卡)之線圈產生電流驅動卡片之 ^，擷取記憶體内資訊，透過IC處理回覆訊號到非接觸式讀卡 。同理，基於電磁感應，非接觸式讀卡器5〇之線圈52產生訊 到項寫器54，—控制單元6G，搞合上述讀寫器54將處理 ^欠，送或接㈣息。此外亦可制天絲代顧，透過天線發 戒亦伴隨產生磁場。透過共振於卡片上產生電流，後續處理 所述。手機或其内之非接觸式讀卡機或端點銷售系統則連繫 ’ ^端舰器。透過網路介面56，與控制單元60齡，得以盘遠 ^貝，交換資訊以利於㈣。且—列印(或輸出)單元58搞合到 二於將接收資訊以及與信用卡聯合中心認_資訊 顯示於顯示器上。以上可包含提供認證識別碼 刹?ΐϋ對人；透财機與遠端舰11或龍庫交換資訊以 盘別碼與提供信用卡資訊以手機交易；接收資訊及 ^ -5 ” ϊδ中心認_輸出信用交易資訊或顯示於顯示器上。 非接觸式錢機_之功能方塊示意圖。其 ΐί及輸人單元ig2用以輸出現金或輸人現金以利提 於？ 制單元104用以控制處理輸入訊號以及與主機 ί=Γ# 奸，透過運輸裝置108與現金輸出/輸入單 器11〇 融提款機’其特徵包含一非接觸式讀寫 耦0到非接觸式訊號發射接收裝置112以及控制單元 雜ίίίίίίίΓ式城魏純裝1叫喊應或是電 、振細非接觸式金融交易’其中非接觸式金融提款機於使用 201216169 時耦合到遠端伺服器以利於交易認證。1 發射接《置包含-天線或感應線圈 稱:面m得以與遠距資料庫交換資訊以利於交易，卞透過 可;明亦可翻於身健證或會貞認證，並 =巧接觸式身分證、駕照、健保该護照，其中與信 2 夢了ΐΐ=中Γ儲存之#料係為身分認證資料(會員編號）、國' ^位影像(如照片）、個人身分相關資訊如血型、健 iiS' ；Γ2；' ° t 儲存於其内ί-ίϊ 分f訊時，可非接觸輸出或顯示 本發明提出透過手持通訊装置消費之方法，包含： 接觸式交易卡或儲值卡或信时於該手持通訊裝置，該 置或编合至—訊號收發裝置；以該手持通訊裝 雷;觸式％寫11，透過該非接戦滅發射接收裝置以 1感應或疋電磁共振進行非接觸式交易，其中該非接觸式儲值 二-，立於用戶辨識模組卡之儲值卡或整合於該用戶辨識模組 :中。中至少該天線或感應線圈配置於該非接觸式儲值卡内、 该用戶辨識触卡巾、該手機殼内部耕部可避免屏蔽效應。 一種非接觸式進行信用交易之方法，包含： ，供-非接難帛相及非接觸式讀卡機，該非接觸式信用卡以 及，非接觸式讀卡機個別包含一訊號收發裝置； =非接觸個卡貼近—非接觸式讀卡機，透過該非接觸式訊號 ，射接收裝置以電磁感應或是電磁共振進行非接觸式交易，其中 ^非，觸式制卡包含―IC搞合至對應之祕號收發裝置，其儲 存卡號、有效期限以及使用者資訊。 一種非接觸式進行金融交易之方法，包含： ，供一非接觸金融卡以及非接觸式提款機，該非接觸式金融 卡及该非接觸式提款機各包含訊號收發裝置； 201216169 以邊非接觸金融卡貼近一非接觸式提款機，透過該非接觸式訊號 發射接收裝置間以電磁感應或是電磁共振進行非接觸式交易，其 中該非接觸式金融卡包含一 IC耦合至對應之該訊號收發裝置，其 儲存銀行帳號、密碼以及帳戶資訊。 八 "天線圖樣之材料得為銅箔或金屬合金，亦得為包含具有金屬 之氧化物，其中，而某些以此方法製成之導電材質為透明或近乎 透明，且假使此天線附著於玻璃或透明基板上，其將具有視覺穿 透效果。透明材料亦包含具有摻雜氧化鋁之氧化物，其形狀乃藉 由於透明導電層形成之過程中使用一適當之遮罩來構成。 、形成透明導電層之方法包含於低溫下形成薄臈結構的離子束 法，舉例來說’薄膜可在室溫下形成並具有小於3x104歐姆/公分 之接受度’並且亦可採用射頻磁電管濺鍍薄膜方法（RF magnetron sputtered thin film method)。基於成本於製造之考量，本實施例中 形成如銦錫，化物之天線薄膜的方法可在室溫下赫之^氣中形 成4並蝴比率得到所需之圖樣。在此細形成與圖樣化 之^，其將被以攝氏180度至22〇度間之溫度進行熱處裡大約一 低薄膜之電阻並增進其透光度。另一種形成方式為 带次塗佈方法，此塗佈溶液包含平均直徑為1至25微米之導 f =、平均直徑為1 i 25微米之二氧化石夕微粒以及溶劑，二氧 =石夕或石夕土微粒與導體微粒間之重量比例最好為介於〇 ι至工之 二:導電微粒最好為選自金、辞、銀、m舒、銅、 、鈦、銦、鋁、鈕、鎵、鍺以及銻之金屬。導電 ίϊΐϊΐ 精/水混合溶劑中稀釋減低-種或以上前述之金 掛士 而加熱處裡之溫度乃高於攝氏一百度。石夕土微粒可 膜之導電能力，導電薄膜塗佈液體内包含有重量百分 .❶至5°/。之金屬微粒。其中在稀釋過程可以加入稀釋劑， errous sulfate > trisodium citrate ' tartaric acid ' sodium boron / 電馳可藉由將上述之液體施加於—基板上而 于 ' 吏"乾躁以得到-透明導電微粒層，以形成一透明薄膜。 201216169 再將基板粘著於物體上。或是直接塗佈於物體上。用以形成透明 導電層之塗佈液體乃藉由浸泡、旋轉塗布、噴灑、滾軸塗布或柔 刷（flexographic等之方法施加在基板上，然後由 室溫至，氏九十度之溫度來使此液體乾躁，接著以不低於攝氏一 百度之尚溫或以電磁輕射照射來烘烤塗布之薄膜。 —综上所述，本發明以較佳實施例說明如上，然其並非用以限 ^士發，絲之專娜纖圍。其糊賴賴當視後附之申 。月專利範圍及其等同領域而定。凡熟悉此領域之技藝者，在不脫 離土專利精神或範_，所作之更動或潤飾，均屬本發明所揭 ，精神下所完成之等效改變或設計’且應包含在下述之 範圍内。 J 【圖式簡單說明】 ，由參考下列詳細敘述，上述觀點以及本發明之優點將可快速了 Ξ神並if由下面的描述以及附加圖式，可以容易了解本發明之 第一圖係為根據本發明之IC卡之示意圖。 第二圖係為根據本發明之SIM之示意圖。 第三圖係為根據本發明之自動提款設備之示意圖。 第四圖係為根據本發明之手機配置非接觸式交易卡之示音 【主要元件符號說明】 如Ϊ 1〇、IC 12、天線14、記憶體122、卡號12A、有效日 ^ 、使用者相關資訊12C、訊號輸入/輸出接觸界面16、汇 5〇、線號輸入輸出接觸介面i6A、非接觸式讀卡器 金於出ί/祕讀寫益54、網路介面56、非接觸式提款機卿、現 n料、㈣财刚、主記舰奶、現金儲 、現金輸出/輸入單元102、非接觸式讀寫 ^入而』接觸式磁發射接收袋置112、接觸式讀寫器114、網 路;丨面116、手機2〇〇、WiFi模組21〇Another answer is that you can't steal or read any relevant information to improve security. The signature can also be stored in the memory 122 by using the location method, and H s=;:::==rr is used for the custom identification comparison, and the security is improved by 3: the digital photo can also be added to facilitate the use of the image. _ can be transferred to the subscriber of the mobile phone to identify the chopsticks, and on the ,, refer to Figure 2, that is, the configuration has at least one day internal or configured on the surface or configured inside or outside the mobile phone to facilitate H 〒. It consists of an antenna that outputs the contact and connects to the y. The domain has to be judged == ((9), or 、· = ‘two bounds: 可, τ i2a contact’ as the information transmission path. Based on the semi-storage plus amount/memory 20 〇 or card ir.../ two related information can be found in the mobile phone. When you need to force ^^=) 9 / software to display the balance or transaction amount and the time to add (storage) value, you can pass the contactless card reader or end point sales system 7 201216169 plus (stored) value Points, or through the mobile phone 200 download or Internet plus (storage) value or download, Hui electronic ticket (if the mobile phone 200 has a WiFi module 21 〇, see the fourth picture). If the card reader does not have enough balance, it can automatically add (store) the amount that is reserved or set, and then send the card to the credit card or enter the cash. ―In the case of Qiao Zuo, the non-contact card reader 50 or the end point sales system based on the figure is wrong. The power is supplied by the read/write H, and the magnetic field (coil type) is generated by electromagnetic money on the credit card (or other 1C card). The coil of the subscriber identification module card generates a current-driven card, captures the information in the memory, and processes the reply signal to the contactless card through the IC. Similarly, based on electromagnetic induction, the coil 52 of the non-contact card reader generates a message to the item writer 54, which is controlled by the above-mentioned reader/writer 54 to process the owed, send or receive (four) information. In addition, it can also be used to create a magnetic field through the antenna. Current is generated by resonance on the card, which is subsequently processed. The mobile phone or its contactless card reader or endpoint sales system is connected to the 'end ship'. Through the network interface 56, and the control unit is 60 years old, it is possible to exchange information for the benefit of (4). And - the print (or output) unit 58 engages the second to receive the information and the credit card joint center _ information displayed on the display. The above may include providing a certification identification code to the person; the money exchange machine exchanges information with the remote ship 11 or the dragon library to exchange the code and provide credit card information for mobile phone transactions; receiving information and ^ -5 ” ϊδ center recognition_output The credit transaction information is displayed on the display. The function block diagram of the contactless money machine _, and the input unit ig2 is used to output cash or input cash for the control unit 104 to control the processing of the input signal and And the host ί=Γ#, through the transport device 108 and the cash output/input unit 11 〇 提 ' 'characteristics including a non-contact type read/write coupling 0 to the non-contact signal transmitting and receiving device 112 and the control unit纯 纯 纯 纯 纯 纯 应 应 应 应 应 应 应 应 应 应 应 应 应 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中 其中- Antenna or induction coil scale: Face m can exchange information with remote database for transaction, and can be turned over; it can also be turned over to health certificate or membership certification, and = smart contact ID card, driving Photo and health insurance of the passport, which is related to the letter 2 dream ΐΐ = Zhongyu storage of the # material is the identity certification data (member number), the country '^ image (such as photos), personal identity related information such as blood type, health iiS' ;Γ2;' ° t stored in ί ϊ ϊ ϊ , , , , , , , , , , , , , , 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可 可Hand-held communication device, which is set or coupled to the signal transceiver device; the handheld communication device is loaded with lightning; the touch type % write 11 is used, and the non-contact annihilation transmitting and receiving device performs contactless transaction by 1 induction or 疋 electromagnetic resonance, wherein the non-contact transaction The contact type stored value II - is stored in the user identification module card or integrated in the user identification module: at least the antenna or the induction coil is disposed in the non-contact stored value card, and the user recognizes the touch The card towel and the internal tilling part of the mobile phone case can avoid the shielding effect. A non-contact method for conducting credit transactions, comprising: a supply-non-contact and a non-contact card reader, the contactless credit card and Contact type The card machine separately includes a signal transceiver device; = non-contact card close to - non-contact card reader, through the non-contact signal, the receiving device uses electromagnetic induction or electromagnetic resonance for non-contact transaction, wherein ^, touch The card-making card includes the IC transceiver to the corresponding secret number transceiver device, the storage card number, the expiration date and the user information. A non-contact method for financial transactions, comprising: for a non-contact financial card and contactless The cash dispenser, the non-contact financial card and the non-contact cash dispenser each comprise a signal transceiver device; 201216169 a non-contact financial card attached to a non-contact cash dispenser, through which the non-contact signal is transmitted between the receiving device and the electromagnetic device Inductive or electromagnetic resonance for contactless transaction, wherein the contactless financial card includes an IC coupled to the corresponding signal transceiver, which stores a bank account number, a password, and account information. The material of the antenna pattern is copper foil or metal alloy, and it also contains an oxide having a metal, and some conductive materials made by this method are transparent or nearly transparent, and if the antenna is attached to On a glass or transparent substrate, it will have a visually penetrating effect. The transparent material also comprises an oxide having doped alumina, the shape of which is formed by the use of a suitable mask during the formation of the transparent conductive layer. The method of forming a transparent conductive layer comprises an ion beam method for forming a thin tantalum structure at a low temperature, for example, 'the film can be formed at room temperature and has an acceptance of less than 3 x 104 ohms/cm' and can also be splashed by a radio frequency magnetron RF magnetron sputtered thin film method. Based on the cost considerations for manufacturing, the method of forming an antenna film such as indium tin in the present embodiment can form a desired pattern by forming a ratio of 4 at room temperature. Here, it is finely formed and patterned, and it is subjected to a resistance of about a low film in the heat at a temperature between 180 degrees Celsius and 22 degrees Celsius to increase the transmittance. Another formation method is a sub-coating method comprising a derivative f = 1 with an average diameter of 1 to 25 μm, a rare earth oxide particle having an average diameter of 1 μ25 μm, and a solvent, dioxin = Shi Xi or The weight ratio between the Shixia soil particles and the conductor particles is preferably between 〇ι and gong2: the conductive particles are preferably selected from the group consisting of gold, rhodium, silver, m-shu, copper, titanium, indium, aluminum, and buttons. Gallium, antimony and antimony metals. Conductive ϊΐϊΐ The dilution in the fine/water mixed solvent is reduced to - or above the above-mentioned gold stalks and the temperature in the heating zone is higher than Celsius. The conductivity of the stone particles can be controlled by the film, and the conductive film coating liquid contains a weight percentage of ❶ to 5°/. Metal particles. In the dilution process, a diluent may be added, errous sulfate > trisodium citrate ' tartaric acid 'sodium boron / electrophoresis can be obtained by applying the above liquid to the substrate and drying it to obtain transparent conductive particles. The layers are formed to form a transparent film. 201216169 Then attach the substrate to the object. Or apply directly to the object. The coating liquid for forming the transparent conductive layer is applied to the substrate by dipping, spin coating, spraying, roller coating or flexographic method, and then from room temperature to 90 degrees Celsius. The liquid is dried, and then the coated film is baked at a temperature not lower than one hundred degrees Celsius or by electromagnetic light. - In summary, the present invention is described above with reference to preferred embodiments, but it is not used It is limited to Shishifa, and the silk is special. It is based on the scope of the patent and its equivalent fields. Anyone who is familiar with this field will not leave the spirit of the patent or the model. The changes or modifications made by the present invention are disclosed in the present invention, and the equivalent changes or designs performed under the spirit 'should be included in the following range. J [Simple description of the drawings], which is described in detail below by reference. And the advantages of the present invention will be quickened by the following description and additional drawings. It can be easily understood that the first drawing of the present invention is a schematic diagram of an IC card according to the present invention. SIM display The third figure is a schematic diagram of the automatic drawing device according to the present invention. The fourth figure is the sounding of the non-contact transaction card of the mobile phone configuration according to the present invention [the main component symbol description], such as Ϊ 1〇, IC 12 , antenna 14, memory 122, card number 12A, effective date ^, user related information 12C, signal input / output contact interface 16, sink 5 〇, line number input and output contact interface i6A, non-contact card reader //秘读益 Benefit 54, network interface 56, non-contact cash machine, current n material, (four) Cai Gang, main record ship milk, cash storage, cash output / input unit 102, contactless reading and writing ^ "Contact" magnetic emission receiving pocket 112, contact reader 114, network; 116 116, mobile phone 2, WiFi module 21 〇