201023066 六、發明說明： 【發明所屬之技術領域】 本發明涉及一種交易技術’尤其涉及一種利用通訊裝置 助進行的無線交易的系統及其交易方法。 【先前技術】 按，隨著電子交易的頻繁，眾多金融機構（如銀行、商務 公司等）皆發行有各種電子貨幣卡、信用卡、儲值卡等（以下 統稱為“電子貨幣卡”）。該等電子貨幣卡的廣泛應用，使得 持卡用戶在金融機構支持的特定消費中，不再需要攜帶和當場 支付現金或零錢，而能以卡内帳戶的電子貨幣進行交易，方便 了交易的進行。 然而，電子貨幣卡在使用時需借助刷卡機，因此交易提供 方需要裝設刷卡機’並將刷卡機藉有線或無線之方式連接於一 商務平台及一支付爭台。當使用電子貨幣卡消費時，需要把電 子貨幣卡交由店方客服人員進行刷卡支付。在交由他人期間， 電子貨幣卡内之訊息存在被複製或盜用之可能，給持卡用戶帶 來很大的風險。 此外，電子貨幣卡之用戶在檢查帳戶之餘額訊息時，亦需 將電子貨幣卡交由商家之服務人員進行查詢，不利於用戶自己 靈活掌握電子貨幣卡之餘額訊息，從而可能在消費支付時產生 餘額不足之情形，給用戶造成尷尬。 【發明内容】 本發明的目的係針對上述習知技術存在之缺陷，提供一種 無線交易系統及利用該系統進行交易的方法，能提升電子貨幣 卡使用的安全性。 為達成上述之〆目的’本發明提供的無線交易系統供藉電 子貨幣卡進行交易活動。該電子貨幣卡包括一用於識別的感應 2〇1〇23〇66 ί元及1財金融帳戶訊息的記憶單元。該無線交易系统包 一讀取裳置，包括一藉以讀取 息的讀取單元及-藉以發送魏戶訊息電的；^單卡;3之帳戶訊 面、置’包括一微處理器、一用於輸入指令的操作介 供電源的電源單元及-連接介面 為通訊裝置提 訊裝台，藉由所述通訊裝置之連接介面連接於所述通 Q f該商務平台供登錄和進行交易等； 平台，與所述商務平台連接，提供交易之支付功能。 如下2述之二目的’本發明提供的無線交易方法，包括 . 電+tr—’讀取裝置之錄單元轉接觸讀取之方式讀取- 裝置之帳戶訊息，並將該訊息透過發送單元發送至通訊 步驟二’通訊裝置藉由讀取裝置發送之帳戶訊息登錄於一 商務平台； 、 ⑩ ±纟驟三，用戶在商務平台上進行購物等消費活動，應付之 款項訊息傳遞至支付平台進行請款； 步驟四，支付平台依據商務平台發送之請款訊息，在對應 電子貨幣卡之帳戶上扣款，從而完成支付； 步驟五，支付平台將扣款完成之訊息分別回傳於商務平台 和通訊襞置，並將帳戶餘額訊息回傳於通訊裝置； 步驟六，通訊裝置依據該帳戶餘額訊息修改電子貨幣卡之 記憶單元内的訊息，使電子貨幣卡中之訊息與支付平台内之訊 息相一致，從而完成交易過程。 如上所述，本發明無線交易系統及其交易方法，藉由該讀 201023066 取裳置採取非接觸之讀取方式讀取電子貨幣卡之帳戶訊息，並 將該訊息傳輸至通訊裝置，再藉由該通訊裝置進行交易及支付 等操作’從而可避免將用戶之電子貨幣卡轉交於他人，提高了 交易的安全性和快捷性。 【實施方式】 為詳細說明本發明之技術内容、所達成的目的及功效，以 下茲舉實施例並配合圖式詳予說明。 請參閱第一圖’該圖為本發明無線交易系統1之一較佳實 施例的功能方塊圖。該無線交易系統1包括一讀取裝置1〇、 〇 一通訊裝置20、一商務平台30及一支付平台40。該無線交易 系統1之通訊裝置2〇透過讀取裝置1〇讀取一電子貨幣卡5〇 (如第二圖所示）之帳戶訊息，再藉該帳戶訊息登錄於商務平 台30進行消費。該商務平台3〇將消費產生的付費資訊傳遞於 所述支付平台40，支付平台4〇進行付款之後，透過通訊裝置 20及讀取裝置1〇將帳戶餘額訊息寫回到該電子貨幣卡％内。 無線交易系統1之交易資料的傳輸過程包括兩個過程：其 一為近端傳輸（Proximity Transfer)，可採用的設備有紅外線、 藍芽、Bar Code、RFID與非接觸式的晶片等方式；其二為廣 ® 域傳輪（Over The Air Transfer)，可採用的設備有無線網路（如 8()2·11 )、通用分組無線業務（General Packet Radio Service，GPRS )、 3G 或行動簡訊（shortMessage Service, SMS)等方式。 請參閱第二圖，電子貨幣卡50通常包括一感應單元51及 一記憶單元52，該記憶單元52中存有消費帳戶之金額訊息。 一設置於電子貨幣卡50之外部或内部之讀卡裝置透過該感應 單元51修改或讀取記憶單元52中之金額，從而實現充值、支 付或查詢等功能。 請參閱第三圖，讀取裝置10包括一讀取單元11、一發送 201023066 單元12及一為該讀取裝置ι〇提供電源的電源單元13。所述 讀取單元11具有一感應天線m及一閱讀單元112。感應天線 111與電子貨幣卡50内之感應單元51相匹配，從而使得該閱 讀單元112能透過該感應天線U1及感應單元51而讀取記憶 單元52内之帳戶訊息。發送單元12藉由通訊接口與所述讀取 單元11相連接◎該發送單元12具有一發射天線121及一處理 單元122，該處理單元122接收前述讀取單元u所讀取之訊 息，並透過發射天線121將該訊息向外發送。 ❹201023066 VI. Description of the Invention: [Technical Field] The present invention relates to a transaction technique, and more particularly to a system for wireless transactions assisted by a communication device and a transaction method thereof. [Prior Art] According to the frequent electronic transactions, many financial institutions (such as banks, business companies, etc.) have issued various electronic money cards, credit cards, stored value cards, etc. (hereinafter collectively referred to as "electronic money cards"). The wide application of these electronic money cards enables card users to no longer carry and pay cash or change on the spot in the specific consumption supported by financial institutions, and can trade in the electronic currency of the card account, which facilitates the transaction. . However, the electronic money card needs to use the credit card machine when it is used, so the transaction provider needs to install the credit card machine ‘and the card swipe machine is connected to a business platform and a payment platform by wired or wireless means. When using an electronic money card, you need to pay the electronic money card to the store's customer service staff for credit card payment. During the transfer to others, the information in the e-money card may be copied or stolen, posing a great risk to the card user. In addition, when checking the balance information of the account, the user of the electronic money card also needs to submit the electronic money card to the service personnel of the merchant for inquiry, which is not conducive to the user's own flexibility to grasp the balance information of the electronic money card, which may result in the payment of the consumer. In the case of insufficient balance, it is embarrassing to the user. SUMMARY OF THE INVENTION The object of the present invention is to provide a wireless transaction system and a method for using the system to perform transactions, which can improve the security of the use of the electronic money card. In order to achieve the above-mentioned purpose, the wireless transaction system provided by the present invention provides a transaction for borrowing an electronic money card. The electronic money card includes a memory unit for identifying the sensor's 2〇1〇23〇66 ί and 1 finance account information. The wireless transaction system package reads the skirt, including a reading unit for reading the information and - to send the Wei household information electricity; ^ single card; 3 account information, set 'including a microprocessor, one The power supply unit for inputting the command and the connection interface for the power supply are the communication device, and the connection interface of the communication device is connected to the business platform for login and transaction, etc.; The platform is connected with the business platform to provide a payment function for the transaction. According to the second object of the following 2, the wireless transaction method provided by the present invention includes: reading the device information of the device by means of the recording unit of the electric +tr-' reading device, and transmitting the message through the sending unit. To the communication step 2, the communication device is logged in to the business platform by using the account information sent by the reading device; 10 ± 3, the user performs shopping activities such as shopping on the business platform, and the payment of the payment information is transmitted to the payment platform. Step 4: The payment platform deducts the payment on the account corresponding to the electronic money card according to the payment information sent by the business platform, thereby completing the payment; Step 5, the payment platform returns the completed information of the deduction to the business platform and communication respectively. The device resets the account balance message to the communication device. Step 6: The communication device modifies the message in the memory unit of the electronic money card according to the account balance message, so that the message in the electronic money card is consistent with the message in the payment platform. To complete the transaction process. As described above, the wireless transaction system of the present invention and the transaction method thereof, by using the read 201023066, take the non-contact reading mode to read the account information of the electronic money card, and transmit the message to the communication device, and then The communication device performs operations such as transaction and payment, thereby avoiding the transfer of the user's electronic money card to others, thereby improving the security and speed of the transaction. [Embodiment] The details of the technical contents, the objects and the effects achieved by the present invention will be described in detail below with reference to the embodiments. Please refer to the first figure, which is a functional block diagram of a preferred embodiment of the wireless transaction system 1 of the present invention. The wireless transaction system 1 includes a reading device 1A, a communication device 20, a business platform 30, and a payment platform 40. The communication device 2 of the wireless transaction system 1 reads the account information of an electronic money card 5 (as shown in the second figure) through the reading device 1 and then logs in to the business platform 30 for consumption. The business platform transmits the payment information generated by the consumer to the payment platform 40, and after the payment platform 4 makes the payment, writes the account balance information back to the electronic money card % through the communication device 20 and the reading device 1 . The transmission process of the transaction data of the wireless transaction system 1 includes two processes: one is Proximity Transfer, and the devices available are infrared, Bluetooth, Bar Code, RFID and non-contact wafers; The second is Over The Air Transfer, which can be used with wireless networks (such as 8()2·11), General Packet Radio Service (GPRS), 3G or mobile newsletter ( shortMessage Service, SMS) and other methods. Referring to the second figure, the electronic money card 50 generally includes a sensing unit 51 and a memory unit 52. The memory unit 52 stores the amount information of the consumer account. A card reading device disposed outside or inside the electronic money card 50 modifies or reads the amount in the memory unit 52 through the sensing unit 51, thereby implementing functions such as refilling, paying, or inquiring. Referring to the third figure, the reading device 10 includes a reading unit 11, a transmitting unit 201023066, and a power supply unit 13 for supplying power to the reading device. The reading unit 11 has an inductive antenna m and a reading unit 112. The sensing antenna 111 is matched with the sensing unit 51 in the electronic money card 50, so that the reading unit 112 can read the account information in the memory unit 52 through the sensing antenna U1 and the sensing unit 51. The transmitting unit 12 is connected to the reading unit 11 via a communication interface. The transmitting unit 12 has a transmitting antenna 121 and a processing unit 122. The processing unit 122 receives the information read by the reading unit u and transmits the information. Transmitting antenna 121 sends the message out. ❹
基於讀取裝置10之無線讀取及無線傳輸功能，本實施例 之讀取單元11採用NFC (Near Field Communication，近場通 訊）晶片，其工作頻率為13.65MHz，有效識別距離為十公分 之内，從而使得電子貨幣卡50在短距離内被無線讀取。該發 送單元12採用藍芽（Bluetooth)晶片實現，其工作頻率為 2.4GHz’有效識別範圍為十至一百公尺之内，從而可使與該讀 取裝置10匹配的通訊裝置20能設置於一適當遠的地域範圍 内。該NFC晶片與該藍芽晶片藉由其UART ( Asynchronous Receiver/Transmitter，通用非同步接收 置）接口連接。 ' 請參閱第四圖’通訊裝置2〇係用以接收讀取裝置1〇所發 送的電子貨幣卡50的帳戶訊息，並以此訊息登錄於商務平么 3〇進行無線交易。該通訊裝置2〇至少包括一微處理m、: 操作介面22、-通訊單元23、—連接介面24及—電源 。該微處理n 21分別連接所述操作介面22、通訊單元23、 連接介面24、電源單元25，從而得以統募、設定和處理各電 子元件的電子訊號與數據資料，完成訊息傳遞功能。 操作介面22係用於輪入用戶操作訊息之用，一般為鍵 盤、手寫屏幕等。通過該操作介面22，用戶可完成登錄商務 201023066 平台3〇及進行交易等操作。 訊單70 23係用於接收所述讀取裝置w之發送單元12 盘括取裝ίIff幣卡5°的帳戶訊息。在本實施例中’為實現 與作為讀取裝置二二:通訊單元23亦為一藍芽晶片， 連接介面的藍芽晶片配對。Based on the wireless reading and wireless transmission function of the reading device 10, the reading unit 11 of the embodiment adopts an NFC (Near Field Communication) chip, and the working frequency is 13.65 MHz, and the effective recognition distance is within 10 cm. Thus, the electronic money card 50 is wirelessly read within a short distance. The transmitting unit 12 is implemented by using a Bluetooth chip, and its operating frequency is 2.4 GHz. The effective recognition range is within ten to one hundred meters, so that the communication device 20 matched with the reading device 10 can be disposed on Within a suitable geographical area. The NFC chip is connected to the Bluetooth chip via its UART (Asynchronous Receiver/Transmitter) interface. 'Please refer to the fourth figure'. The communication device 2 is used to receive the account information of the electronic money card 50 sent by the reading device 1 and log in to the business unit with this message to perform wireless transactions. The communication device 2 includes at least one micro processing m, an operation interface 22, a communication unit 23, a connection interface 24, and a power supply. The microprocessor n 21 is connected to the operation interface 22, the communication unit 23, the connection interface 24, and the power supply unit 25, thereby collecting, setting, and processing the electronic signals and data of each electronic component to complete the message transmission function. The operation interface 22 is used for wheeling user operation messages, generally a keyboard, a handwriting screen, and the like. Through the operation interface 22, the user can complete the operation of logging in to the business 201023066 platform and conducting transactions. The message sheet 70 is used to receive the account information of the sending unit 12 of the reading device w, which is 5° from the ίIff coin card. In the present embodiment, 'for implementation and as a reading device 22: the communication unit 23 is also a Bluetooth chip, the connection interface of the Bluetooth chip pairing.
台3〇，其可採用本發明無線交易系統1之商務平 網路或者3Γ _ 介面實現，如藍芽、紅外線、GPRS ，— 、路等；亦可採用有線傳輸介面實現，如USB接 頭、麵1394傳輸介面接頭等。 面貫現如卿接 "青參閲第五圖，所述通訊裝置Μ 之。此時，通訊裝w 2n 1^目士 呆用仃動電話為 通料元23、遠姑 述微處理器21、操作介面22、 通況羊7〇23連接介面24The platform 3 can be implemented by using the business flat network or the 3 _ interface of the wireless transaction system 1 of the present invention, such as Bluetooth, infrared, GPRS, -, and the like; or by using a wired transmission interface, such as a USB connector and a surface. 1394 transmission interface connector, etc. See the fifth picture, the communication device is as follows. At this time, the communication device w 2n 1^目士 仃 仃 仃 通 通 通 23 23 、 、 、 、 、 、 、 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器 微处理器
卡插槽25、顯干i 1 '、早兀5外，通常還具有SIM 下倌 顯不皁兀26及存儲單元27。 用以插設行動電話之用戶 f IM卡插槽25 器一電子貨幣卡5。的帳戶將微處理 掌握交易訊息’便於核對支付及查詢餘額等;：二而供= 可將用戶之交易訊息、餘額訊息等進行 ^^ 更 ❹ 詢交易記錄等訊息。 布從而方便用戶查 顯而易見地，該通訊裝置2〇亦 一 網路進行類似於使用行動_之操作。此外，T ’並通過電腦 為所述商務平台3G或/和支付平台4G而提供=該電腦同時作 時，本發明無線交以統丨更可以直接在所述易及支付功能 實現交易和查詢餘額等操作，從而能減少交易通訊裝置20上 請再參閱第一圖，本發明無線交易系統1之環節。 係為一提供商品或服務之網站，用戶可憑藉事商務平台30 30 台40 帳戶登錄網站選擇交易等操作，當交易確定後先申請或注冊的 以本次交易所需的金額向發行該電子貨幣卡$商務平台 0的支付平 201023066 發送請款訊息。 支付平台40為一金融機構之網站，該金融機構負責發行 電子貨If卡、提供電子料卡充值或查詢等服務，用戶可憑電 子貨幣卡50之帳戶訊息登錄該支付平台4〇，從而進行充值、 查詢等操作。支付平台40與商務平台3〇藉有線或無線之方式 連接可依據商務平台3G發送的請款_請進行相應的扣款支 付操作。支付平台40亦可與通訊裝置2〇之連接介面Μ相連 ^從而依據通訊裝置2()提供的帳戶訊息進行諸如餘額查詢 操作。所述支付平台⑼可由與商務平台3G之相同或 服務商楹他。 睛參閱第六圖 進行網上交 刊用本發明無線交易系統 易，大致可分為以下步驟： 步驟1G卜讀取裝置1G之讀取單元丨丨以非接觸讀取之方 電子„卡5Q之帳戶訊息，並將該訊息透過發送單 疋102發送至通訊裝置2〇 ·，The card slot 25, the display i i ', and the early 5, usually also has a SIM squat sputum 26 and a storage unit 27. User for inserting a mobile phone f IM card slot 25 an electronic money card 5. The account will be micro-processed to master the transaction message ‘easy to check the payment and check the balance; etc.; 2 for the user's transaction message, balance message, etc. ^^ to query the transaction record and other information. The cloth is thus convenient for the user to check. Obviously, the communication device 2 also performs a similar operation to the action. In addition, T' is provided by the computer for the business platform 3G or / and the payment platform 4G = when the computer is simultaneously made, the wireless communication of the present invention can directly realize the transaction and check the balance directly in the easy payment function. And so on, so as to reduce the transaction communication device 20, please refer to the first figure, the link of the wireless transaction system 1 of the present invention. It is a website that provides goods or services. Users can use the business platform 30 30 40 accounts to log in to the website to select transactions, etc. When the transaction is determined, the application or registration of the amount required for the transaction is issued to the electronic currency. Card $Business Platform 0 payment flat 201023066 Send payment information. The payment platform 40 is a website of a financial institution, and the financial institution is responsible for issuing an electronic goods If card, providing an electronic card recharge or inquiry, and the user can log in to the payment platform 4 by using the account information of the electronic money card 50, thereby performing recharge. , query and other operations. The payment platform 40 and the business platform 3 can be connected by wire or wirelessly according to the payment sent by the business platform 3G _ please perform the corresponding debit payment operation. The payment platform 40 can also be connected to the connection interface of the communication device 2 to perform, for example, a balance inquiry operation based on the account information provided by the communication device 2(). The payment platform (9) may be the same as the business platform 3G or a service provider. Referring to the sixth figure for online publication, the wireless transaction system of the present invention is easy to be divided into the following steps: Step 1G The reading unit of the reading device 1G reads the electronic party of the non-contact reading „卡5Q之Account message, and send the message to the communication device 2〇 through the sending list 102,
如採用無線網路(如8。：=透過廣域傳輸方式實現， · ) 3G或SMS等方式； 應付之款項吼自：二:商務平台30上進行購物等消費活動， 寸之款項訊心傳遞至支付平台4 步驟104,支付平A 4〇妆秘—叮砑咸， 在對應電子貨幣卡5G之帳戶^平台3G發送之請款訊息’ 步驟1〇5,支付平#4〇t 從而完成支付； 務平台3。和通訊裝置二=:成之訊息分別回傳於商 2〇 ； 並將帳戶餘額訊息回傳於通訊裝置 步驟106 ’通訊裝置2〇估 幣卡5。之依據該帳戶餘額訊息修改電子貨 之η己隱單元52内的詔自/士 α 幻死息’使電子貨幣卡50中之訊息 9 201023066 與支付平台4〇内之訊息相一致，從而完成交易過程。 特別地’當通訊襄置20同時提供商務平台30或/和支付 平台40之腺務時’上述交易過程之相應步驟則直接在通訊裝 置2〇之内部實現。 综上所述，本發明之無線交易系統1藉由讀取裝置10採 取非接觸之讀卡方式讀取電子貨幣卡50内存儲之帳戶訊息， 並將該帳戶訊息傳輸至通訊裝置20，再藉由通訊裝置20與商 務平台30和支付平台40進行交易及付款等操作，從而能夠避 免將電子貨幣卡50轉交於服務人員刷卡，提高交易的安全性 φ 和快捷性。 惟，以上所揭露者’僅為本發明之較佳實施例，並非用以 限定本發明之權利範圍。至於本發明之其他等效之修飾或變 '化，皆應涵蓋在以下本案之申請專利範圍内。 ’ 【圖式簡單說明】 第一圖係本發明無線交易系統的結構示意圖。 第二圖係一電子貨幣卡之功能方框圖。 第三圖係本發明無線交易系統之讀取裝置的功能方框圖。 φ 第四圖係本發明無線交易系統之通訊裝置的功能方框圖。 第五圖係一優選之通訊裝置的功能方框圖。 第六圖係本發明無線交易系統的操作流程圖。 【主要元件符號說明】 無線交易系統 1 讀取裝置 10 讀取單元 11 感應天線 111 閱讀單元 112 發送單元 12 發射天線 121 處理單元 122 電源單元 13 通訊裝置 20 微處理器 21 操作介面 22 201023066 通訊單元 23 連接介面 24 電源單元 25 顯示單元 26 存儲單元 27 商務平台 30 支付平台 40 電子貨幣卡 50 感應單元 51 記憶單元 52 操作步驟 101〜106 ❿ 11If using wireless network (such as 8:: = through wide-area transmission, ·) 3G or SMS, etc.; Payables from: 2: Business platform 30 on shopping and other consumer activities, the amount of money transmission To the payment platform 4 step 104, pay the flat A 4 〇 makeup secret - 叮砑 salt, in the account corresponding to the electronic money card 5G ^ platform 3G sent the payment message 'step 1 〇 5, pay flat #4 〇 t to complete the payment ; Service platform 3. And the communication device 2 =: the message is returned to the merchant 2 〇; and the account balance message is transmitted back to the communication device. Step 106 'Communication device 2 〇 币 币 5 . According to the account balance message, the 诏 / 士 幻 幻 ' ' ' ' 52 52 52 ' 52 ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' ' 电子 电子 电子 电子 电子process. In particular, when the communication device 20 provides both the business platform 30 or/and the payment platform 40, the corresponding steps of the above transaction process are directly implemented within the communication device 2A. In summary, the wireless transaction system 1 of the present invention reads the account information stored in the electronic money card 50 by using the non-contact card reading mode by the reading device 10, and transmits the account message to the communication device 20, and then borrows The communication device 20 performs operations such as transactions and payment with the business platform 30 and the payment platform 40, thereby avoiding the transfer of the electronic money card 50 to the service personnel to swipe the card, thereby improving the security and speed of the transaction. However, the above disclosure is only a preferred embodiment of the invention and is not intended to limit the scope of the invention. Other equivalent modifications or variations of the present invention are intended to be included in the scope of the claims herein below. BRIEF DESCRIPTION OF THE DRAWINGS The first figure is a schematic diagram of the structure of the wireless transaction system of the present invention. The second figure is a functional block diagram of an electronic money card. The third figure is a functional block diagram of a reading device of the wireless transaction system of the present invention. φ The fourth diagram is a functional block diagram of the communication device of the wireless transaction system of the present invention. Figure 5 is a functional block diagram of a preferred communication device. Figure 6 is a flow chart showing the operation of the wireless transaction system of the present invention. [Description of main component symbols] Wireless transaction system 1 Reading device 10 Reading unit 11 Inductive antenna 111 Reading unit 112 Transmitting unit 12 Transmitting antenna 121 Processing unit 122 Power supply unit 13 Communication device 20 Microprocessor 21 Operation interface 22 201023066 Communication unit 23 Connection interface 24 Power supply unit 25 Display unit 26 Storage unit 27 Business platform 30 Payment platform 40 Electronic money card 50 Induction unit 51 Memory unit 52 Operation steps 101 to 106 ❿ 11