201227579 六、發明說明： 【發明所屬之技術領域】 _01] 本發明係有關於刷卡交易方法及系統，尤其更有關於通 過行動裝置來直接完成的刷卡交易方法及系統。 【先前技術】 . [0002] 現今是個科技發達的時代’隨著生活周遭各式各樣的產 • 品紛紛地數位化與電子化，深深地影響了人們生活的各 種習慣。 0 [0003]舉例來說，一般大眾與金融業者之間的交易方式，從傳 統的臨櫃存/提款’逐漸變成使用金融卡與自動櫃員機 (Automated Teller Machine, ATM)來存/提款。再例 如’一般大眾與消費店家之間的交易方式，也從傳統的 現金付款，漸漸地普遍透過信用卡的刷卡動作來進行支 付0 [0004]並且，隨著科技的進步，如上述的金融卡、信用卡…等 等支付卡也從最早期的磁條卡、接觸式晶片卡，慢慢演 化為現在熱門的非接觸式感應晶片卡，令使用者在使用 上更加地便利，也更有利於晶片卡的普及化。 [0005] 099146861 然而，各種不同功能的晶片卡彼此並無法相容，因此使 用者身上通常需要攜帶多張的卡片，以達不同的使用目 的。常見者例如：信用卡、現金卡、金融卡、儲值卡及 優惠卡’’’㈣。如此_來’不但在攜帶上會帶給使用者 很大的困擾，並且使用者通常將該些卡片收納於包包或 皮夹之中旦包包或皮夾遺失、遭竊，將會為使用者 帶來非常大的損失。 0992080587-0 表單編號A0101 第3頁/共31頁 201227579 [0006] 再者，目前市面上在進行交易時，若以刷卡方式來進行 支付動作，大部分皆僅令使用者以簽名的方式來進行身 份的核對。惟，此種核對方式並無法阻槽有心人士的冒 名使用，因此，目前仍能常常看到信用卡、現金卡被盜 刷的社會事件。 [0007] 有鑑於此，如何能夠讓使用者免於一次攜帶多張卡片的 困擾，以及如何有效提昇該些卡片的認證機制，以降低 卡片遺失或遭竊後的損失，實為該領域從業人員所潛心 研究的目標。 【發明内容】 [0008] 本發明之主要目的，在於提供一種行動裝置使用的金融 交易作業方法及其交易系統，係可於行動裝置内部設置 感應式的多合一晶片卡，並於交易時選擇其中之一來進 行感應刷卡動作。 [0009] 本發明之另一主要目的，在於提供一種行動裝置使用的 金融交易作業方法及其交易系統，係可直接使用行動裝 置來進行感應刷卡後的認證動作，以令認證動作更為快 速便利，且令認證資料更具安全性。 [0010] 為達上述目的，本發明係於行動裝置内部設置一多合一 晶片卡，並於交易時，通過行動裝置内部的應用程式來 選擇使用多合一晶片卡的其中之一，並利用行動裝置直 接進行非接觸式的感應刷卡動作。在感應刷卡之後，再 依據金融伺服器的要求，直接在行動裝置上進行各項認 證動作，並與後端的金融伺服器進行認證資料的傳輸。 099146861 表單編號A0101 第4頁/共31頁 0992080587-0 201227579 [0011] 本發明對照先前技術至少具有下述優點： [0012] 一 ·只要在行動裝置中設置多合一晶片卡，則使用者不 需分別攜帶多張不同功能的實體晶片卡，例如信用卡、 現金卡、金融卡、儲值卡、優惠券的票卡......等等。不 但方便，且與行動裝置整合為一體，較不容易遺失； [0013] 二·可通過行動裝置内部的應用程式來切換使用多合一 晶片卡的其中之一，同時具有整理、尋找及使用上的便 利性； [0014] 三·在消費店家中進行交易時，可直接使用行動裝置來 讓消費店家的讀卡機進行非接觸式的感應刷卡； [0015] 四、於感應刷卡的過程中，若金融伺服器要求進行認證 ，可直接在行動裝置上進行認證動作，不需通過消費店 家的機器（讀卡機或其他認證機器），如此安全性較高， 使用者也不必擔心認證資料會被不肖商家所竊取。 【實施方式】 [0016] 茲就本發明之一較佳實施例，配合圖式，詳細說明如後 [0017] 首請參閱第一圖，為本發明之一較佳具體實施例之系統 架構圖。本發明的金融交易系統主要包括一行動裝置1、 一讀卡機2、一金融伺服器3、一電信伺服器4及一簡訊伺 服器6,其中該金融伺服器3、該電信伺服器4及該簡訊伺 服器6可為一般伺服器或雲端伺服器，不加以限定。該行 動裝置1主要為一可攜式的行動裝置，例如行動電話、個 人數位助理（Personal Digital Assistant，PDA)、 099146861 表單編號 A0101 第 5 頁/共 31 頁 0992080587-0 201227579 平板電腦（Tablet computer,例如iPad)、電子書及全 球定位系統（Global Positioning System, GPS)裝置 …等等，不加以限定。 [0018] 該讀卡機2主要為一消費店家或金融單位（圖未標示）所提 供的讀卡機，該讀卡機2通過網際網路與該金融伺服器3 進行連線，對使用者用來支付的晶片卡（如信用卡、金融 卡…等等）做非接觸式的感應。並且該讀卡機2於感應刷 卡動作之後，將晶片卡的卡片資料傳送給該金融伺服器3 〇 [0019] 如第一圖中所示，不具任何按鍵的第一讀卡機21用以提 供基本的小額感應刷卡，不需任何認證資料的輸入；具 備有按鍵功能的第二讀卡機22則可提供較高額度的感應 刷卡動作，並於刷卡後接受消費店家或使用者通過按鍵 來輸入帳號或密碼等認證資料；而具有容置空間的第三 讀卡機23則專為特定工具進行感應，例如若晶片卡置放 在該行動裝置1内部，則使用者將該行動裝置1置放在該 容置空間中，該第三讀卡機23即可對該行動裝置1進行感 應刷卡動作。然而，以上所述僅為本發明之較佳實例， 各種可進行非接觸式感應刷卡的讀卡機2皆可符合本發明 之應用，不應加以限定。 [0020] 該金融伺服器3係為設置在一金融服務端（圖未標示）的一 般伺服器或雲端伺服器，該金融伺服器3通過網際網路與 該讀卡機2連線，接收該讀卡機2傳來的卡片資料，以進 行後端的處理動作。該電信伺服器4與該金融伺服器3連 接，為一電信業者建立的一般伺服器或雲端伺服器。該 099146861 表單編號A0101 第6頁/共31頁 0992080587-0 201227579 電信伺服器4係於該金融伺服器3確認刷卡成功後，接收 該金融伺服器3所發出的刷卡成功訊息。並且該電信伺服 器4還通過通訊網路與該行動裝置1連接，該電信伺服器4 係依據該金融伺服器3所發出的訊息，傳送簡訊至該行動 裝置1，以告知使用者刷卡成功訊息。 [0021] 再者，該金融伺服器3亦可直接通過網際網路或通訊網路 連接該行動裝置1，藉以於刷卡成功之後，該金融伺服器 3不通過該電信伺服器4，而自行傳送簡訊至該行動裝置1 ，以告知使用者刷卡成功訊息。 [0022] 更甚者，本發明的金融交易系統還可連接該簡訊伺服器6 。該簡訊伺服器6為向該電信業者購買或承租簡碼服務的 一簡訊業者所建立的一般伺服器或雲端伺服器。當該金 融伺服器3確認刷卡成功後，發出刷卡成功訊息給該簡訊 伺服器6，該簡訊伺服器6再通過該電信伺服器4來傳送簡 訊至該行動裝置1，以告知使用者刷卡成功訊息。 [0023] 該行動裝置1内部主要設置有一多合一晶片卡5(如第二圖 B中所示的多合一晶片卡5)，藉此，該行動裝置1的使用 者於進行交易時，可直接使用該行動裝置1來與該讀卡機 2進行非接觸式感應，以令該讀卡機2感應該行動裝置1内 的該多合一晶片卡5的其中之一（容後詳述）。 [0024] 其中，該多合一晶片卡5至少包含一行動裝置通訊晶片卡 51 (如第二圖A中所示的行動裝置通訊晶片卡51)，該行動 裝置1通過該行動裝置通訊晶片卡51進行通訊功能。其中 該通訊功能可例如為通話功能、簡訊功能或3G~4G(包括 099146861 表單編號A0101 第7頁/共31頁 0992080587-0 201227579 4G以上的技術）上網功能…等等，不加以限定。 [0025] [0026] [0027] 續請同時參閱第二圖A及第二圖B，為本發明之一較佳具 體貫施例之多合一晶片卡示意圖及架構圖。如圖所示， 该多合一晶片卡5主要可由該行動裝置通訊晶片卡51 '一 優惠卡52、一儲值卡53、一金融卡54、一現金卡55及一 用卡56專複數晶片卡所共同整合而成。其组合數量可 由二合一、三合一......至六合一或六合一以上不等，不 加以限定。其中該行動裝置通訊晶片卡51係可為一使用 者身伤模組（Subscriber Identity Module, SIM)卡 、一通用使用者身份擬組（.u.njv.ersai Subscriber Identity Module，USIM)卡，或其他功能的行動裝置通 訊晶片卡，不加以限定。 該優惠卡52中可儲存網路下載的優惠券資料，或現金支 付的等值金額·..等等優惠資訊；該儲值卡53中可儲存現 金儲值資料或虛擬的點數辦值資爾…等等；該金融卡54 可為各大國内、外銀行發行的金铁卡晶爿；該現金卡55 可為各大國内、外銀行發行的專傘咔晶片；而該信用卡 56可為各大國内、外銀行發行的信用卡晶片。 該行動裝置1内部安裝有一應用程式（圖未標示），該行動 裝置1可通過該應用程式選擇使用該多合一晶片卡5中的 其中之一。其中，該多合一晶片卡5可具有複數同一卡片 類型的晶片卡資料，並通過該應用程式選擇其中之—卡 片類型（例如該儲值卡53)後，再選擇該卡片類型中的其 中之一晶片卡資料（例如現金儲值卡或遊戲點數儲值卡… 等等）。 099146861 表單編號A0101 第8頁/共31頁 0992080587-0 201227579 [0028] 續請參閱第三圖，為本發明之一較佳具體實施例之開通 流程圖。使用者在該行動裝置1上使用該多合一晶片卡5 之前，係需先向各該晶片卡52〜56所屬的金融服務端分別 進行申請使用該多合一晶片卡5(步驟S30)。接著，通過 該行動裝置1開通該多合一晶片卡5中的各該晶片卡 52〜56(步驟S32)，以令該行動裝置1與該多合一晶片卡5 能互相對應。最後，於各該晶片卡52~56所屬的各該金融 伺服器3，分別設定並登錄各該晶片卡52〜56的認證資料（ 步驟S34)。其中，該認證資料可例如為：使用者的身份 〇 證帳號（Ident i f icat ion, ID)、密碼、臉部特徵辨識 資料、視網膜特徵辨識資料、簽名資料、指紋特徵掃瞄 資料及圖像密碼資料…等等。如此一來，當使用者使用 該行動裝置1進行感應刷卡時，若刷卡金額超過一門檻值 ，該金融伺服器3可要求使用者進行認證，藉以避免該行 動裝置1遺失或遭竊後，該多合一晶片卡5被盜用的風險 〇 ^ [0029] 續請參閱第四圖，為本發明之一較佳具體實施例之感應 刷卡流程圖。首先，使用者於進行感應刷卡之前，係先 執行該行動裝置1内部的該應用程式（步驟S40)。接著， 通過該應用程式選擇該多合一晶片卡5中的其中之一卡片 類別（步驟S42)，最後再選擇該卡片類別中的其中之一晶 片卡資料（步驟S44)。該步驟S44之後，該行動裝置1已 選定該多合一晶片卡5的其中之一晶片卡52~56，藉此， 使用者可直接使用該行動裝置1來讓該讀卡機2進行非接 觸式的感應刷卡動作（步驟S46)。 099146861 表單編號A0101 第9頁/共31頁 0992080587-0 201227579 [0030] 接著，該金融伺服器3接收到刷卡資料後，判斷此次的刷 卡金額是否超過一門檻值（步驟S48)，若刷卡金額未超過 該門檻值，表示為小額的支付交易，使用者不必進行認 證動作；而若刷卡金額超過該門檻值，則直接通過該行 動裝置1，對使用者進行認證動作（步驟S50)。藉以，步 驟S50之後，該行動裝置1取得使用者的認證資料，並傳 送至該金融伺服器3(步驟S52)，最後再由該金融伺服器3 比對該認證資料是否通過（步驟S54)。若該認證資料比對 不通過，則刷卡動作失敗；而若該認證資料比對通過， 則該金融伺服器3確認刷卡動作完成（步驟S56)。於該步 驟S52中，該行動裝置1係可通過網際網路、通訊網路或 該讀卡機2來連接該金融伺服器3，以傳送該認證資料至 該金融伺服器3，係可視實際運作而定，不加以限定。 [0031] 其中，該門檻值主要可由使用者在申請使用該多合一晶 片卡5時，與該金融伺服器3所共同建立，例如，使用者 可設定刷卡金額低於一千元以下時，不進行認證動作。 再者，該門檻值亦可由該金融伺服器3所屬的金融服務端 強制規定，以維護使用者的安全，但不可加以限定。 [0032] 使用該行動裝置1感應刷卡成功之後，該金融伺服器3可 選擇性地要求該消費店家讓使用者對刷卡單據簽名（步驟 S58)，以令該消費店家留存並回報給該金融祠月良器3 〇然 而需注意的是，若直接使用該行動裝置1來進行感應刷卡 及認證動作，則此步驟不一定必然產生。 [0033] 如上所述，感應刷卡動作完成之後，該金融伺服器3係回 覆該消費店家刷卡成功訊息（步驟S60)。更具體而言，該 099146861 表單編號A0101 第10頁/共31頁 0992080587-0 201227579 金融伺服器3係將刷卡成功訊息回覆至該消費店家中的該 讀卡機2。此外該金融伺服器3還通知該電信伺服器4或該 簡訊伺服器6刷卡成功訊息（步驟S62)，並且該金融伺服 器3本身亦會儲存刷卡成功訊息（步驟S64)。其中，該步 驟S60、S62及S64並不具有執行上的順序關係，亦不必 然全部執行，係可視該金融伺服器3的運作而定，不加以 限定。 [0034] Ο 該步驟S62之後，該電信伺服器4或該簡訊伺服器6係依據 該金融伺服器3所發出的刷卡成功訊息，發送簡訊至該行 動裝置1，以告知使用者刷卡成功訊息（步驟S66)。最後 ，該行動裝置1中的該多合一晶片卡5儲存此次的刷卡記 錄（步驟S68)。 [0035]201227579 VI. Description of the Invention: [Technical Field of the Invention] _01] The present invention relates to a method and system for swiping transactions, and more particularly to a method and system for swiping transactions directly performed by a mobile device. [Prior Art] [0002] Today is a time when technology is developed. With the variety and production of products around the world, digitally and electronically, it has deeply affected the habits of people's lives. 0 [0003] For example, the transaction between the general public and the financial industry has gradually changed from the traditional deposit/withdrawals to the use of financial cards and Automated Teller Machines (ATMs) for deposit/withdrawal. For example, the transaction between the general public and the consumer store, as well as the traditional cash payment, gradually spreads through the credit card swipe action [0004] and, with the advancement of technology, such as the above financial card, Credit card...etc. The payment card has evolved from the earliest magnetic stripe card and contact chip card to the popular non-contact sensor chip card, which makes the user more convenient to use and more favorable for the chip card. Popularization. [0005] 099146861 However, wafer cards of various functions are not compatible with each other, so it is often necessary to carry a plurality of cards on the user for different purposes. Common people are, for example, credit cards, cash cards, financial cards, stored value cards, and discount cards ’’ (4). So _ to 'not only bring a lot of trouble to the user, and the user usually puts the card in a bag or wallet. If the bag or wallet is lost or stolen, it will be used. Brought very big losses. 0992080587-0 Form No. A0101 Page 3 of 31 201227579 [0006] In addition, when the transaction is currently being carried out on the market, most of the payment is performed by the user by way of a signature. Identity check. However, such a method of reconciliation cannot prevent the use of impersonation by those who are interested. Therefore, social events in which credit cards and cash cards are stolen are still often seen. [0007] In view of this, how can the user be free from the trouble of carrying multiple cards at a time, and how to effectively improve the authentication mechanism of the cards to reduce the loss of the card after the loss or theft, is actually a practitioner in the field The goal of research. SUMMARY OF THE INVENTION [0008] The main object of the present invention is to provide a financial transaction operation method and a transaction system thereof for use in a mobile device, which can provide an inductive all-in-one chip card inside a mobile device and select during transaction. One of them is to perform an inductive swipe action. [0009] Another main object of the present invention is to provide a financial transaction operation method and a transaction system thereof for use in a mobile device, which can directly use a mobile device to perform an authentication operation after inductively swiping, so as to make the authentication action faster and convenient. And make the certification materials more secure. [0010] In order to achieve the above object, the present invention provides an all-in-one chip card inside a mobile device, and selects one of the all-in-one chip cards through an application inside the mobile device during the transaction, and utilizes The mobile device directly performs a non-contact inductive swipe action. After the sensor is swiped, according to the requirements of the financial server, each authentication action is directly performed on the mobile device, and the authentication data is transmitted with the financial server at the back end. 099146861 Form No. A0101 Page 4 / Total 31 Page 0992080587-0 201227579 [0011] The present invention has at least the following advantages over the prior art: [0012] 1. As long as an all-in-one wafer card is provided in the mobile device, the user does not You need to carry multiple physical chip cards with different functions, such as credit card, cash card, financial card, stored value card, coupon card, etc. Not only convenient, but also integrated with the mobile device, it is less likely to be lost; [0013] 2. One of the all-in-one chip cards can be switched by the application inside the mobile device, and at the same time, it is arranged, searched and used. Convenience; [0014] 3. When trading in a consumer store home, the mobile device can be directly used to make the consumer card reader's card reader contactlessly swiping the card; [0015] 4. In the process of sensing the card, If the financial server requires authentication, it can perform the authentication action directly on the mobile device, without going through the consumer store's machine (reader or other authentication machine), so the security is high, and the user does not have to worry about the authentication data being Unscrupulous merchants have stolen. [Embodiment] [0016] A preferred embodiment of the present invention, with reference to the drawings, is described in detail below [0017] Referring first to the first figure, a system architecture diagram of a preferred embodiment of the present invention is shown. . The financial transaction system of the present invention mainly comprises a mobile device 1, a card reader 2, a financial server 3, a telecommunication server 4 and a short message server 6, wherein the financial server 3, the telecommunication server 4 and The SMS server 6 can be a general server or a cloud server, which is not limited. The mobile device 1 is mainly a portable mobile device, such as a mobile phone, a personal digital assistant (PDA), 099146861, a form number A0101, a page 5 of 31, 0992080587-0, a 201227579 tablet computer (Tablet computer, For example, iPad), e-books, and Global Positioning System (GPS) devices, etc., are not limited. [0018] The card reader 2 is mainly a card reader provided by a consumer store or a financial unit (not shown), and the card reader 2 is connected to the financial server 3 via the Internet to the user. The chip cards used for payment (such as credit cards, financial cards, etc.) do contactless sensing. And the card reader 2 transmits the card data of the wafer card to the financial server 3 after the sensing card swiping operation. [0019] As shown in the first figure, the first card reader 21 without any button is used to provide The basic small amount of credit card does not require any input of authentication data; the second card reader 22 with button function can provide a higher amount of inductive card swiping action, and accepts the input by the consumer store or user through the button after swiping the card. The third card reader 23 having the accommodating space is specifically for sensing the specific tool. For example, if the chip card is placed inside the mobile device 1, the user places the mobile device 1 In the accommodating space, the third card reader 23 can perform an inductive swipe operation on the mobile device 1. However, the above description is only a preferred example of the present invention, and various card readers 2 capable of performing non-contact inductive swiping can conform to the application of the present invention and should not be limited. [0020] The financial server 3 is a general server or a cloud server disposed on a financial server (not shown), and the financial server 3 is connected to the card reader 2 via the Internet to receive the Card data from the card reader 2 for processing at the back end. The telecommunications server 4 is connected to the financial server 3 and is a general server or cloud server established by a carrier. The 099146861 Form No. A0101 Page 6 of 31 0992080587-0 201227579 The telecom server 4 receives the card success message sent by the financial server 3 after the financial server 3 confirms that the card is successfully swiped. And the telecommunication server 4 is also connected to the mobile device 1 via a communication network. The telecommunication server 4 transmits a short message to the mobile device 1 according to the message sent by the financial server 3 to inform the user of the card success message. [0021] Furthermore, the financial server 3 can also directly connect the mobile device 1 through the Internet or a communication network, so that after the card is successfully successful, the financial server 3 does not pass the telecommunication server 4 and transmits the message itself. To the mobile device 1 to inform the user of the card success message. [0022] Furthermore, the financial transaction system of the present invention can also be connected to the short message server 6. The short message server 6 is a general server or cloud server established by a newsletter who purchases or rents a short code service to the carrier. After the financial server 3 confirms that the card is successfully swiped, a card swipe success message is sent to the newsletter server 6, and the newsletter server 6 transmits the short message to the mobile device 1 through the telecommunication server 4 to inform the user of the card success message. . [0023] The mobile device 1 is mainly provided with an all-in-one chip card 5 (such as the all-in-one chip card 5 shown in FIG. B), whereby the user of the mobile device 1 performs the transaction. The mobile device 1 can be directly used for non-contact sensing with the card reader 2, so that the card reader 2 senses one of the all-in-one chip cards 5 in the mobile device 1. Said). [0024] wherein the all-in-one chip card 5 includes at least one mobile device communication chip card 51 (such as the mobile device communication chip card 51 shown in FIG. A), and the mobile device 1 communicates the chip card through the mobile device. 51 for communication functions. The communication function can be, for example, a call function, a short message function, or a 3G~4G (including 099146861 form number A0101, page 7/31 page 0992080587-0 201227579 4G or higher) Internet access function, etc., and the like, and is not limited. [0027] [0027] Please refer to FIG. 2A and FIG. BB simultaneously, which are schematic diagrams and structural diagrams of an all-in-one wafer card according to a preferred embodiment of the present invention. As shown in the figure, the all-in-one chip card 5 can be mainly used by the mobile device communication chip card 51'-a discount card 52, a stored value card 53, a financial card 54, a cash card 55, and a card 56 for a plurality of chips. The cards are integrated together. The number of combinations may vary from two in one, three in one, to six in one or six in one, and is not limited. The mobile device communication chip card 51 can be a Subscriber Identity Module (SIM) card, a Universal User Identity (USIM) card, or Other functions of the mobile device communication chip card are not limited. The discount card 52 can store the coupon information downloaded by the network, or the equivalent amount of cash payment, etc.; the stored value card 53 can store the cash stored value data or the virtual point value. The financial card 54 can be issued to the major domestic and foreign banks, the cash card 55 can be issued by the major domestic and foreign banks, and the credit card 56 can be Credit card chips issued by major domestic and foreign banks. The mobile device 1 is internally provided with an application (not shown) through which the mobile device 1 can select to use one of the all-in-one chip cards 5. Wherein, the all-in-one chip card 5 can have a plurality of wafer card materials of the same card type, and select one of the card types (for example, the stored value card 53) by the application, and then select one of the card types. A wafer card data (such as a cash stored value card or a game point stored value card...etc.). 099146861 Form No. A0101 Page 8 of 31 0992080587-0 201227579 [0028] Referring to the third figure, a flow chart of a preferred embodiment of the present invention is shown. Before the user uses the all-in-one chip card 5 on the mobile device 1, the user must first apply for the use of the all-in-one chip card 5 to the financial server to which the chip cards 52 to 56 belong (step S30). Then, the wafer cards 52 to 56 of the all-in-one wafer card 5 are opened by the mobile device 1 (step S32) so that the mobile device 1 and the all-in-one wafer card 5 can correspond to each other. Finally, each of the financial servers 3 to which the respective chip cards 52 to 56 belong is set and registered with the authentication data of each of the wafer cards 52 to 56 (step S34). The authentication data may be, for example, an Ident if icat ion (ID), a password, a facial feature identification data, a retinal feature identification data, a signature data, a fingerprint feature scan data, and an image password. Information...etc. In this way, when the user uses the mobile device 1 to perform the credit card, if the credit card amount exceeds a threshold, the financial server 3 can request the user to perform authentication to avoid the mobile device 1 being lost or stolen. The risk of the all-in-one chip card 5 being stolen 〇^ [0029] Continuing to refer to the fourth figure, a flow chart of the sensor card is a preferred embodiment of the present invention. First, the user executes the application inside the mobile device 1 before performing the sensor swipe (step S40). Next, one of the card categories of the all-in-one chip card 5 is selected by the application (step S42), and finally one of the card categories is selected (step S44). After the step S44, the mobile device 1 has selected one of the wafer cards 52-56 of the all-in-one chip card 5, whereby the user can directly use the mobile device 1 to make the card reader 2 non-contact. Inductive swipe action (step S46). 099146861 Form No. A0101 Page 9 / Total 31 Page 0992080587-0 201227579 [0030] Next, after receiving the credit card information, the financial server 3 determines whether the credit card amount exceeds a threshold (step S48), and if the card amount is swiped If the threshold value is not exceeded, it is expressed as a small payment transaction, and the user does not need to perform an authentication operation; if the credit card amount exceeds the threshold value, the user is directly authenticated by the mobile device 1 (step S50). Therefore, after the step S50, the mobile device 1 acquires the authentication data of the user, and transmits the authentication data to the financial server 3 (step S52), and finally the financial server 3 compares whether the authentication data has passed (step S54). If the authentication data does not pass, the card swipe operation fails; and if the authentication data matches, the financial server 3 confirms that the card swipe action is completed (step S56). In the step S52, the mobile device 1 can connect to the financial server 3 via the internet, the communication network or the card reader 2 to transmit the authentication data to the financial server 3, which can be visually operated. Fixed, not limited. [0031] The threshold value may be established by the user together with the financial server 3 when applying for the use of the all-in-one chip card 5. For example, when the user can set the credit card amount to be less than one thousand yuan, No authentication action is performed. Moreover, the threshold value may also be mandatory by the financial server to which the financial server 3 belongs to maintain the security of the user, but is not limited. [0032] After the mobile device 1 is used to sense the successful card swiping, the financial server 3 may selectively request the consumer store to let the user sign the swipe card (step S58), so that the consumer store retains and returns the financial account. Month 3: However, it should be noted that if the mobile device 1 is used directly for inductive swiping and authentication, this step does not necessarily occur. [0033] As described above, after the induction card swipe operation is completed, the financial server 3 replies to the consumer store card swipe success message (step S60). More specifically, the 099146861 Form No. A0101 Page 10 of 31 0992080587-0 201227579 The Financial Server 3 replies the swipe success message to the card reader 2 in the consumer's home. In addition, the financial server 3 notifies the telecommunication server 4 or the short message server 6 to swipe the success message (step S62), and the financial server 3 itself also stores the card success message (step S64). The steps S60, S62, and S64 do not have an order relationship in execution, and are not necessarily all performed, and may be determined according to the operation of the financial server 3, and are not limited. [0034] After the step S62, the telecommunication server 4 or the short message server 6 sends a short message to the mobile device 1 according to the card swiping success message sent by the financial server 3 to inform the user of the card success message ( Step S66). Finally, the all-in-one wafer card 5 in the mobile device 1 stores the current credit card record (step S68). [0035]
第五圖為本發明之一較佳具體實施例之多合一晶片卡選 擇頁面示意圖。如圖所示，該行動裝置1上具有一顯示螢 幕14，使用者於進行交易前，可執行該行動裝置1内的該 應用程式，以於該顯示螢幕14上顯示一晶片卡選擇頁面 141。使用者可使用該行動裝置1上的一特定按鍵15，或 者觸控式的該顯示螢幕14，於該晶片卡選擇頁面141下選 擇使用該多合一晶片卡5中的該優惠卡52、該儲值卡53、 該金融卡54、該現金卡55及該信用卡56的其中之一。並 且，還可選擇晶片卡使用記錄，以觀查該多合一晶片卡5 中的各該晶片卡52-56的使用記錄。 上述第四圖中，該行動裝置1進行認證動作的該步驟S50 ，以及取得認證資料，並傳送至該金融伺服器3的該步驟 S52，主要係可於該金融伺服器3要求該行動裝置1對使用 099146861 表單編號Α0101 第11頁/共31頁 0992080587-0 [0036] 201227579 者進行認證時’通過該行動裝置1取得使用者的身份證帳 號、密碼、臉部特徵辨識資料、視網膜特徵辨識資料、 簽名資料、指紋特徵掃瞄資料及圖像密碼資料…等等認 證資料。如第六圖所示，為本發明之一較佳具體實施例 之行動裝置的帳號密碼認證示意圖。當該金融伺服器3要 求該行動裝置1進行使用者的身份證丨D及至少一個密碼之 認證時，該行動裝置1可執行該應用程式，以進入—帳號 密碼輸入頁面142。使用者可使用該行動裝置1上的該特 疋按鍵15或觸控式的該顯示螢幕η輸入帳號密碼，以作 為該認證資料並傳送至該金融伺服器3進行認證動作。 [0037]然而，若刷卡的金額較大，該金融伺服器3要求更具安全 性的認證資料時，該行動裝置1可進一步通過下面所述的 硬體設備及程序，來執行認證動作，以及認證資料的提 供動作。 [0038] 頊萌·麥阅弟 [0039]如 099146861 天1〜u王丹®貝她例之行動 裝置的臉部特賴識、指㈣靖娜與視賴特徵辨識 ^不意圖。該行動裝置1翻―侧面上係具有-個以上 的鏡頭11]3(可為—般的攝職頭，或具特殊功能的掃 猫鏡頭），當該金融飼服器3要求該行動裝置 行認證動作時，該行 用者進 動裝置1係可通過該複數鏡頭1丨〜^ 射使用者進行臉部特徵辨識的認證動作。 中所不’係以—第-鏡頭11、—第二鏡頭12及 -第二鏡碩13為例，舉例說明。然而，該行動裝幻可以 僅具備該第一鏡頭 兄碩11及该第二鏡頭12、同時具備該三鏡 頭η、12及丨3,或是同時具備三個以 表單峨咖1 u⑽31胃 0992080587-0 201227579 [_於本實施例中，該第-鏡頭u可為1畫素之攝影鏡頭 ，而該第二鏡頭12可為一具高感度之攝影鏡頭。藉以， 在該第-鏡頭U與該第二鏡頭12的互相搭配之下，配合 該行動裝置1内部軟體的應用，該行動裝置丨可以達成f 的臉部特徵辨識動作。而該第三鏡頭13 W °』馬一具視網 媒特徵辨識（Retina Recogniti〇n)功能的掃猫鏡 在二攝影鏡頭11、12及—掃料㈣的共同搭配 吏用之下’再通過軟體的應用’該行動裝置！可達成 〇 ^的⑽準確率’以提㈣多合1片卡5的使用安全性 [0041] 若該行動裝置1設置有具視_特徵辨識功能的掃 兩鏡頭（即，該第三鏡頭13)，則該行動襄置 掃 第三鏡頭13來對使用者進行 膜微桃$ '、過該 掃_—料指紋特徵 料：動作，以將使用考的視網辑特徵辨識資 枓、♦曰紋特徵掃猫資料做為該認證資料。 ' [0042] 〇 099146861 參閱第八圖’為本發明之-較佳具體實施例之行動裝置 證示意圖1該金融舰器3要求該行動 Γ用者進行認證動作時，該行動裝置！可執行該應用程 :'，以進入-行動裝置簽名頁面143。於本實施例中，該 订動装置1上的該顯示鸯幕14係為-觸控式的顯示螢幕二 ，使用者可直接於該顯^幕14上進行簽名動作。 名動作結綠’該行㈣们會將使用者的簽名資料做 該認證資料，並傳送至該金融娜器3進行比對認證/、 參閱第九圖’為本發明之—較佳具體實施例之行動 表單編號Α_ 第U頁/共31買 置 0992080587-0 [0043] 201227579 [0044] [0045] 099146861 的指紋辨識認證示意圖。冬 _使用者進行認證心：了服器3要求該行動裝 該第三鏡頭則使用者進奸:動裝置1除了可通過 外，還可執行該應用程式，二特徵掃目S的認證動作之 頁面⑷。於本實施例中1進:〜行動裝置指紋掃描 ur, . A ^ 。以丁動裝置1上的該顯示螢幕 Η係為-觸控式的顯示螢幕詩 在該顯示螢幕14上，藉的 可將任—手指放置 部的元件騎制。於細配合純動裝置Μ 將所掃猫到的任-指紋特徵資料=後，該行動裝置1會 送至該金㈣服H3進紅料，並傳 。 建槽心紋特徵資料的比對認證 最後請參閱第十圖，為本明 ^ 像密碼登錄流程圖。除了上料具时施例之圖 、臉部特_識、視_ = ㈣ 猫…等等認證方式之外=識、簽名及指紋特徵掃 像密碼來進行認證的方式衫·中還提供了一種以圖 首先在上述汉疋並登錄各該晶片卡Μ⑽的認證資料的4 /驟S34中’使用者係先提供—實體照片給該金融伺服 器3所屬的金融服務端（步驟S34q)。接著，該金融服務端 通過掃猫或其他方式，將該實體照片轉換為—數位圖像 稽案（；/驟8342)。並且，該金融服務端對該數位圖像槽 案進行認證（步驟S344)，最後，該金融服務端再將經過 認證的該數位Η像檔⑽存在該金融娜器3中（步驟S346)。 同時’該金融服務端將該經認證的數㈣㈣案傳送至 表單編號Α0101 « ' 第14頁/共31頁 09920! [0046] 201227579 [0047] ❹ [0048] [0049] Ο [0050] [0051] [0052] [0053] 099146861 0992080587-0 該行動裝置1中儲存（步驟s348)。如此一來，當感應刷卡 的過程中’該金融伺服器3要求該行動裝置1對使用者進 行認證時’使用者可將該數位圖像檔案傳送至該金融伺 服器3進行認證動作。藉以’確認該多合—晶片卡5與該 行動裝置1互相對應，該金融伺服器3可於該數位圖像檔 案認證通過之後，確認刷卡成功。 並且’該行動裝置1還可選擇性地將該數位圖像檔案設定 對應至該行動裝置1上的該特定按鍵15 (步驟S350)。如 此一來’於進行認證時，只要按下該特定按鍵15，該行 動裝置1即自動將該數位圖像檔案傳送至該金融伺服器3 進行認證動作，實可加快認證動作的進行。 如上所述，本發明實提供了一種兼具實用性、便利性及 安全性的交易系統與交易方法，可望有效地提昇使用者 既有的交易習慣。 以上所述僅為本發明之較佳具體實例，非因此即侷限本 發明之專利範圍’故舉凡運用本發明内容所為之等效變 化’均同理皆包含於本發明之範圍内，合予陳明。 【圖式簡單說明】 第一圖係本發明之一較佳具體實施例之系統架構圖。 第二圖A係本發明之一較佳具體實施例之多合—晶片卡示 意圖。 第二圖B係本發明之一較佳具體實施例之多合一晶片卡架 構圖。 第三圖係本發明之一較佳具體實施例之開通流程圖。 表單編號A0101 第15頁/共31頁 201227579 [0054] [0055] [0056] [0057] [0058] [0059] [0060] [0061] [0062] [0063] [0064] [0065] 第四圖係本發明之一較佳具體實施例之感應刷卡流程圖 〇 第五圖係本發明之一較佳具體實施例之多合一晶片卡選 擇頁面示意圖。 第六圖係本發明之一較佳具體實施例之行動裝置的帳號 密碼認證示意圖。 第七圖係本發明之一較佳具體實施例之行動裝置的臉部 特徵辨識、指紋特徵掃瞄與視網膜特徵辨識認證示意 圖。 第八圖係本發明之一較佳具體實施例之行動裝置的簽名 認證示意圖。 第九圖係本發明之一較佳具體實施例之行動裝置的指紋 辨識認證示意圖。 第十圖係本發明之一較佳具體實施例之圖像密碼登錄流 程圖。 【主要元件符號說明】 1…行動裝置 11…第一鏡頭 12···第二鏡頭 1 3…第三鏡頭 14…顯示螢幕 1 5…特定按鍵 099146861 表單編號A0101 第16頁/共31頁 0992080587-0 [0066] 201227579 [0067] 141…晶片卡選擇頁面 [0068] 142…帳號密碼輸入頁面 [0069] 143…行動裝置簽名頁面 [0070] 144…行動裝置指紋掃瞄頁面 [0071] 2…讀卡機 [0072] 21…第一讀卡機 [0073] 22···第二讀卡機 〇 … [0074] 23".第三讀卡機 [0075] 3…金融伺服器 [0076] 4…電信伺服器 [0077] 5…多合一晶片卡 [0078] 51…行動裝置通訊晶片卡 [0079] 5 2…優惠卡 〇 [0080] 53…儲值卡 [0081] 54…金融卡 [0082] 5 5…現金卡 [0083] 56…信用卡 [0084] 6…簡訊伺服器 [0085] S30〜S34…步驟 099146861 表單編號A0101 第17頁/共31頁 0992080587-0 201227579 [0086] S 4 0 〜S 6 8 … [0087] S340-S350 步驟 …步驟 099146861 表單編號A0101 第18頁/共31頁 0992080587-0Figure 5 is a schematic diagram of an all-in-one wafer card selection page in accordance with a preferred embodiment of the present invention. As shown in the figure, the mobile device 1 has a display screen 14 on which the user can execute the application in the mobile device 1 to display a wafer card selection page 141 on the display screen 14. The user can use the specific button 15 on the mobile device 1 or the touch display screen 14 to select the coupon card 52 in the all-in-one chip card 5 under the chip card selection page 141. One of the stored value card 53, the financial card 54, the cash card 55, and the credit card 56. Also, a wafer card usage record can be selected to view the usage record of each of the wafer cards 52-56 in the all-in-one wafer card 5. In the fourth figure, the step S50 of performing the authentication operation by the mobile device 1 and the step of acquiring the authentication data and transmitting the authentication data to the financial server 3 are mainly required to request the mobile device 1 from the financial server 3. When using 099146861 Form No. 1010101 Page 11/31 Page 0992080587-0 [0036] 201227579 When the user is authenticated, the user's ID card account number, password, facial feature identification data, and retinal feature identification data are obtained through the mobile device 1. , signature data, fingerprint feature scan data and image password data... and so on. As shown in the sixth figure, it is a schematic diagram of account password authentication of a mobile device according to a preferred embodiment of the present invention. When the financial server 3 requests the mobile device 1 to authenticate the user's ID card D and at least one password, the mobile device 1 can execute the application to enter the account password input page 142. The user can input the account password using the special button 15 on the mobile device 1 or the touch display screen n to transmit the authentication data to the financial server 3 for authentication. [0037] However, if the amount of the swipe is large, and the financial server 3 requires more secure authentication materials, the mobile device 1 can further perform the authentication action by using the hardware device and the program described below, and The provision of certification information. [0038] 顼萌·麦阅弟 [0039]如099146861天1~u王丹® 贝的例的行动 The face of the device is specially identified, refers to (4) Jing Na and the feature recognition of the visual feature. The mobile device 1 has more than one lens 11]3 on the side (may be a general camera head, or a special function cat sweeping lens), when the financial feeding device 3 requires the mobile device In the authentication operation, the user precession device 1 can perform the authentication operation of the facial feature recognition by the user through the plurality of lenses. For example, the first lens, the second lens 12, and the second mirror 13 are taken as an example. However, the action illusion may only have the first lens brothers 11 and the second lens 12, and the three lenses η, 12 and 丨 3, or have three forms at the same time, 1 u (10) 31 stomach 0992080587- 0 201227579 [_ In this embodiment, the first lens u can be a 1 pixel photographic lens, and the second lens 12 can be a high sensitivity photographic lens. Therefore, under the cooperation of the first lens U and the second lens 12, in cooperation with the application of the internal soft body of the mobile device 1, the mobile device can achieve the facial feature recognition operation of f. And the third lens 13 W ° 』 a Retina Recogniti〇n function of the scanning cat mirror in the second photographic lens 11, 12 and - sweeping (four) together with the use of 're-software Application 'The mobile device! The (10) accuracy rate of the 〇^ can be achieved to improve the security of the (4) multi-in-one card 5 [0041] If the mobile device 1 is provided with a two-lens lens with visual_feature identification function (ie, the third lens 13) Then, the action device sweeps the third lens 13 to perform a film micro-peach on the user, and passes the scan--printing fingerprint feature: action, to identify the characteristics of the use of the visual network feature, ♦ 曰 pattern The feature sweeping cat data is used as the certification material. 〇 099146861 Referring to the eighth figure, a mobile device according to a preferred embodiment of the present invention is shown in FIG. 1. The mobile device 3 requires the action device to perform an authentication action when the user performs the authentication action! The application can be executed: ', to enter the mobile device signature page 143. In this embodiment, the display screen 14 on the binding device 1 is a touch-sensitive display screen 2, and the user can directly perform a signature operation on the display screen 14. The action action is green. The line (4) will use the user's signature data as the authentication data, and send it to the financial device 3 for comparison authentication. Referring to the ninth figure, the present invention is a preferred embodiment. Action Form No. _ _ U page / a total of 31 buy 0992080587-0 [0043] 201227579 [0044] [0045] 099146861 fingerprint identification certification diagram. Winter _ user authentication: the server 3 requires the action to install the third lens, then the user commits the act: the mobile device 1 can execute the application in addition to the pass, and the second feature scans the authentication action. Page (4). In this embodiment, 1 input: ~ mobile device fingerprint scanning ur, . A ^. The display screen on the device 1 is a touch-sensitive display screen. On the display screen 14, the components of the finger-placed portion can be mounted. After carefully matching the pure-moving device Μ to the fingerprint-characteristic data of the scanned cat, the mobile device 1 will send the gold (4) to the red material and send it to the red material. Comparison of the identification of the heart-shaped characteristic data of the groove. Finally, please refer to the tenth figure, which is the flow chart of the password login. In addition to the feeding tool, the embodiment of the figure, the face special _ _, the _ = (four) cat ... and other authentication methods = identification, signature and fingerprint features to scan the password to authenticate the way to provide a First, the user first provides the entity photo to the financial server to which the financial server 3 belongs in step 4/step S34 of the authentication data of each of the wafer cards (10). (Step S34q). Then, the financial server converts the entity photo into a digital image file by scanning the cat or other means (; / 8342). And, the financial server authenticates the digital image slot (step S344), and finally, the financial server further stores the authenticated digital image file (10) in the financial device 3 (step S346). At the same time, the financial server transmits the certified number (4) (4) case to the form number Α 0101 « ' Page 14 / Total 31 pages 09920! [0046] 201227579 [0047] ❹ [0048] [0049] Ο [0050] [0051 [0053] 099146861 0992080587-0 The mobile device 1 is stored (step s348). In this way, when the financial server 3 requests the mobile device 1 to authenticate the user during the process of swiping the card, the user can transmit the digital image file to the financial server 3 for the authentication action. By confirming that the multiplex-wafer card 5 and the mobile device 1 correspond to each other, the financial server 3 can confirm that the card is successful after the digital image file is authenticated. And the mobile device 1 can also selectively associate the digital image file to the specific button 15 on the mobile device 1 (step S350). As a result, when the authentication is performed, the driving device 1 automatically transmits the digital image file to the financial server 3 for authentication operation, thereby speeding up the authentication operation. As described above, the present invention provides a transaction system and a transaction method that are both practical, convenient, and secure, and are expected to effectively enhance the user's existing trading habits. The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalents thereof are all included in the scope of the present invention. Bright. BRIEF DESCRIPTION OF THE DRAWINGS The first drawing is a system architecture diagram of a preferred embodiment of the present invention. Figure 2A is a schematic representation of a multiplex-wafer card in accordance with a preferred embodiment of the present invention. Figure 2B is an illustration of an all-in-one wafer card holder in accordance with a preferred embodiment of the present invention. The third drawing is a flow chart of a preferred embodiment of the present invention. Form No. A0101 Page 15 / Total 31 Pages 201227579 [0055] [0058] [0056] [0064] [0065] [0065] [0065] [0065] Inductive swipe flow chart of a preferred embodiment of the present invention. FIG. 5 is a schematic diagram of an all-in-one wafer card selection page according to a preferred embodiment of the present invention. Figure 6 is a schematic diagram showing the authentication of the account password of the mobile device according to a preferred embodiment of the present invention. The seventh figure is a schematic diagram of facial feature recognition, fingerprint feature scanning and retinal feature recognition authentication of a mobile device according to a preferred embodiment of the present invention. Figure 8 is a schematic diagram of signature authentication of a mobile device in accordance with a preferred embodiment of the present invention. The ninth drawing is a schematic diagram of fingerprint identification authentication of a mobile device according to a preferred embodiment of the present invention. Figure 11 is a flow diagram of an image password login in accordance with a preferred embodiment of the present invention. [Description of main component symbols] 1... Mobile device 11... First lens 12··· Second lens 1 3... Third lens 14... Display screen 1 5... Specific button 099146861 Form number A0101 Page 16 of 31 0992080587- [0067] 201227579 [0067] 141...wafer card selection page [0068] 142... account password input page [0069] 143... mobile device signature page [0070] 144... mobile device fingerprint scan page [0071] 2... card reading [0072] 21...first card reader [0073] 22···second card reader〇... [0074] 23". third card reader [0075] 3...financial server [0076] 4... Telecom Server [0077] 5...All-in-one chip card [0078] 51... Mobile device communication chip card [0079] 5 2... Discount card 〇 [0080] 53... Stored value card [0081] 54... Financial card [0082] 5 5...Cash Card [0083] 56... Credit Card [0084] 6... SMS Server [0085] S30~S34...Step 099146861 Form No. A0101 Page 17/31 Page 0992080587-0 201227579 [0086] S 4 0 ~ S 6 8 ... [0087] S340-S350 Step...Step 099146861 Form No. A0101 Page 18 of 31 0992080587-0