CN102592217A - Financial transaction operation method and transaction system used by mobile device - Google Patents
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Abstract
Description
Translated fromChinese技术领域technical field
本发明有关一种刷卡交易方法及其系统，尤其是指一种通过移动装置来直接完成的刷卡交易方法及其系统。The present invention relates to a card swiping transaction method and system thereof, in particular to a card swiping transaction method and system directly completed by a mobile device.
背景技术Background technique
现今是一个科技发达的时代，随着生活周围各式各样的产品纷纷地数字化与电子化，深深地影响了人们生活的各种习惯。Today is an era of advanced technology. With the digitization and electronicization of various products around our lives, it has deeply affected the various habits of people's lives.
举例来说，一般大众与金融单位之间的交易方式，从传统的临柜存/取款，逐渐变成使用金融卡与自动柜员机(ATM，Automated Teller Machine)来存/取款。再如，一般大众与消费店家之间的交易方式，也从传统的现金付款，渐渐地变成通过信用卡的刷卡动作来进行支付。For example, the transaction method between the general public and financial institutions has gradually changed from the traditional cash deposit/withdrawal at the counter to the use of financial cards and automated teller machines (ATM, Automated Teller Machine) to deposit/withdraw. For another example, the transaction method between the general public and consumer stores has gradually changed from traditional cash payment to payment by swiping a credit card.
并且，随着科技的进步，上述金融卡、信用卡等支付卡也从最早期的磁条卡、接触式芯片卡，慢慢演化为现在热门的非接触式感应芯片卡，令使用者在使用上更加便利，也更有利于芯片卡的普及。Moreover, with the advancement of science and technology, the above-mentioned payment cards such as financial cards and credit cards have gradually evolved from the earliest magnetic stripe cards and contact chip cards to the current popular non-contact induction chip cards, allowing users to It is more convenient and more conducive to the popularization of chip cards.
然而，各种不同功能的芯片卡彼此无法兼容，因此使用者身上通常需要携带多张卡片，以达到不同的使用目的。如：信用卡、现金卡、金融卡、储值卡及优惠卡等。如此一来，不但在携带上会带给使用者带来很大困扰，并且使用者通常将这些卡片收纳于包包或皮夹之中，一旦包包或皮夹遗失、遭窃，将会为使用者带来极大的损失。However, chip cards with different functions are not compatible with each other, so the user usually needs to carry multiple cards to achieve different purposes. Such as: credit card, cash card, debit card, stored value card and discount card, etc. In this way, not only will it bring great trouble to the user when carrying it, but the user usually stores these cards in a bag or a wallet, once the bag or wallet is lost or stolen, it will be a users suffer great losses.
再者，目前市面上进行交易时，若以刷卡方式来进行支付动作，大部分都仅仅令使用者以签名的方式来进行身份核对。但是，这种核对方式无法阻挡有心人士的冒名使用，因此，目前仍能常常看到信用卡、现金卡被盗刷的现象。Furthermore, when conducting transactions on the market at present, if the payment action is performed by swiping a card, most of them only require the user to verify the identity by signing. But this checking method can't stop the impersonation of people who are interested in using it. Therefore, it is still common to see the phenomenon that credit cards and cash cards are stolen.
有鉴于此，如何能够让使用者免于一次携带多张卡片的困扰，以及如何有效提升这些卡片的认证机制，以降低卡片遗失或遭窃后的损失，成为本发明研究的目标。In view of this, how to save the user from the trouble of carrying multiple cards at a time, and how to effectively improve the authentication mechanism of these cards to reduce the loss after the card is lost or stolen has become the research goal of the present invention.
发明内容Contents of the invention
本发明的主要目的，在于提供一种移动装置使用的金融交易作业方法及其交易系统，在该移动装置内部设置感应式的多合一芯片卡，并在交易时选择其中一个来进行感应刷卡动作。The main purpose of the present invention is to provide a financial transaction operation method and transaction system used by a mobile device. An inductive all-in-one chip card is installed inside the mobile device, and one of them is selected to perform an inductive card swiping action during a transaction. .
本发明的另一主要目的，在于提供一种移动装置使用的金融交易作业方法及其交易系统，直接使用该移动装置来进行感应刷卡后的认证动作，以使认证动作更为快速便利，且使认证数据更具安全性。Another main purpose of the present invention is to provide a financial transaction operation method using a mobile device and a transaction system thereof. The mobile device is directly used to perform the authentication action after inductively swiping the card, so that the authentication action is faster and more convenient. Authentication data is more secure.
为了达到上述目的，本发明主要提供了一种移动装置使用的金融交易系统，包括：In order to achieve the above object, the present invention mainly provides a financial transaction system used by a mobile device, including:
移动装置，内部设置有多合一芯片卡，该多合一芯片卡至少包含移动装置通信芯片卡，该移动装置通过该移动装置通信芯片卡进行通信；The mobile device is equipped with a multi-in-one chip card inside, and the multi-in-one chip card at least includes a mobile device communication chip card, and the mobile device communicates through the mobile device communication chip card;
读卡器，非接触式感应该移动装置中的该多合一芯片卡的其中一个，以取得该多合一芯片卡的卡片数据并据以进行刷卡动作；及A card reader, which senses one of the multi-in-one chip cards in the mobile device in a non-contact manner, so as to obtain the card data of the multi-in-one chip card and perform a card swiping action accordingly; and
金融服务器，通过因特网连接该读卡器，接收该读卡器所读取的该多合一芯片卡的卡片数据，以进行后端的处理动作；The financial server is connected to the card reader through the Internet, and receives the card data of the multi-in-one chip card read by the card reader, so as to perform back-end processing actions;
其中，当刷卡金额大于门限值时，该金融服务器要求该多合一芯片卡所属的该移动装置对使用者进行认证动作，并将所得的认证数据传送至该金融服务器进行比对，在认证数据比对通过后完成刷卡动作。Wherein, when the swiped card amount is greater than the threshold value, the financial server requires the mobile device to which the multi-in-one chip card belongs to authenticate the user, and transmits the obtained authentication data to the financial server for comparison. After the data comparison is passed, the card swiping action is completed.
如上所述，还包括电信服务器，该电信服务器连接该金融服务器，在刷卡成功后接收该金融服务器所发出的刷卡成功信息，并据以传送短信至该移动装置，以告知使用者刷卡成功信息。As mentioned above, it also includes a telecommunications server, which is connected to the financial server, and receives the successful card swiping information sent by the financial server after the card swiping is successful, and sends a short message to the mobile device accordingly to inform the user of the successful card swiping information.
如上所述，所述多合一芯片卡中的该移动装置通信芯片卡，为使用者身份模块卡或通用使用者身份模块卡，该多合一芯片卡还包括优惠卡、储值卡、金融卡、现金卡及信用卡中的至少一种，其中该移动装置安装有应用程序，该移动装置在交易时执行该应用程序，以选择该多合一芯片卡的其中一个来进行感应刷卡动作。As mentioned above, the mobile device communication chip card in the all-in-one chip card is a user identity module card or a universal user identity module card, and the all-in-one chip card also includes discount cards, stored value cards, financial At least one of cards, cash cards and credit cards, wherein the mobile device is installed with an application program, and the mobile device executes the application program during a transaction to select one of the all-in-one chip cards for induction swiping.
如上所述，所述移动装置的同一侧面上具有两个以上的摄影镜头或扫描镜头，该移动装置通过该两个以上摄影镜头或扫描镜头，对使用者进行脸部特征辨识、指纹特征扫描或视网膜特征辨识的认证动作。As mentioned above, there are more than two photographic lenses or scanning lenses on the same side of the mobile device, and the mobile device uses the two or more photographic lenses or scanning lenses to perform facial feature recognition, fingerprint feature scanning or Authentication actions for retinal feature recognition.
如上所述，所述移动装置执行该应用程序，令使用者在该移动装置的显示屏幕上进行签名或指纹特征扫描的认证动作。As mentioned above, the mobile device executes the application program to allow the user to perform an authentication action of signature or fingerprint feature scanning on the display screen of the mobile device.
为了达到上述目的，本发明还提供了一种移动装置使用的金融交易作业方法，所述移动装置内部设置有多合一芯片卡，并且该多合一芯片卡中至少包括移动装置通信芯片卡，该移动装置通过该移动装置通信芯片卡进行通信，该移动装置使用的金融交易作业方法包括：In order to achieve the above object, the present invention also provides a financial transaction operation method used by a mobile device, wherein the mobile device is provided with a multi-in-one chip card, and the multi-in-one chip card at least includes a mobile device communication chip card, The mobile device communicates through the mobile device communication chip card, and the financial transaction operation method used by the mobile device includes:
执行该移动装置内部安装的应用程序；Execute applications installed inside the mobile device;
选择该多合一芯片卡的其中一个；Select one of the all-in-one chip cards;
通过读卡器直接对该移动装置进行感应刷卡；Inductive swiping of the mobile device directly through the card reader;
由后端的金融服务器确认刷卡成功；The back-end financial server confirms that the card swiping is successful;
该金融服务器存储刷卡成功信息；The financial server stores the successful card swiping information;
该金融服务器回复该读卡器刷卡成功信息；The financial server replies to the card reader with a successful card swiping message;
该金融服务器通知电信服务器或短信服务器刷卡成功信息；The financial server notifies the telecommunications server or the SMS server of the successful card swiping information;
该电信服务器或该短信服务器传送短信至该移动装置，告知刷卡成功信息；及The telecommunication server or the short message server sends a short message to the mobile device to inform the card swiping success; and
该多合一芯片卡存储刷卡记录。The all-in-one chip card stores card swiping records.
如上所述，所述选择该多合一芯片卡的其中一个的步骤，还包括：As mentioned above, the step of selecting one of the all-in-one chip cards also includes:
选择该多合一芯片卡中的其中一种卡片类别；及Select one of the card types in the all-in-one chip card; and
选择该卡片类别中的其中一个芯片卡数据。Select one of the chip card data in the card category.
如上所述，还包括下列步骤：As mentioned above, the following steps are also included:
申请在该移动装置上使用该多合一芯片卡；apply for using the all-in-one chip card on the mobile device;
对该多合一芯片卡中的各芯片卡进行开通；及Activate each chip card in the all-in-one chip card; and
在该金融服务器设定并登录各芯片卡的认证数据。The authentication data of each chip card is set and registered in the financial server.
如上所述，还包括下列步骤：As mentioned above, the following steps are also included:
判断该移动装置的刷卡金额是否超过门限值；Judging whether the credit card amount of the mobile device exceeds the threshold value;
若该刷卡金额超过该门限值，该移动装置对使用者进行认证动作，以取得认证数据并传送至该金融服务器；If the swiped card amount exceeds the threshold value, the mobile device performs an authentication action on the user to obtain authentication data and send it to the financial server;
该金融服务器比对认证数据是否通过；及Whether the financial server passes the verification data comparison; and
若比对该认证数据通过，则该金融服务器确认刷卡成功。If the authentication data is compared, the financial server confirms that the card swiping is successful.
如上所述，若该刷卡金额超过该门限值，该移动装置进行认证动作的步骤还包括：As mentioned above, if the amount of swiping the card exceeds the threshold value, the steps for the mobile device to perform authentication actions also include:
通过该移动装置输入使用者的身份证账号及密码。Input the ID card account number and password of the user through the mobile device.
如上所述，若该刷卡金额超过该门限值，该移动装置进行认证动作的步骤还包括：As mentioned above, if the amount of swiping the card exceeds the threshold value, the steps for the mobile device to perform authentication actions also include:
执行该应用程序，以通过该移动装置上的两个以上摄影镜头或扫描镜头，对使用者进行脸部特征辨识、指纹特征扫描或视网膜特征辨识的认证动作。Execute the application program to perform facial feature recognition, fingerprint feature scanning or retinal feature recognition authentication actions on the user through more than two photographic lenses or scanning lenses on the mobile device.
如上所述，若该刷卡金额超过该门限值，该移动装置进行认证动作的步骤还包括：As mentioned above, if the amount of swiping the card exceeds the threshold value, the steps for the mobile device to perform authentication actions also include:
执行该应用程序，以通过该移动装置的显示屏幕进行使用者签名或指纹特征扫描的认证动作。Execute the application program to perform the authentication action of scanning the user's signature or fingerprint feature through the display screen of the mobile device.
如上所述，设定并登录认证数据的步骤还包括：As mentioned above, the steps of setting and registering authentication data also include:
提供实体照片给金融服务端；Provide physical photos to the financial service end;
该金融服务端将该实体照片转换为数字图像文件；The financial service end converts the physical photo into a digital image file;
该金融服务端对该数字图像文件进行认证动作；The financial server performs an authentication action on the digital image file;
该金融服务端将认证后的该数字图像文件储在该金融服务器；The financial server stores the authenticated digital image file in the financial server;
该金融服务端将认证后的该数字图像文件传送至该移动装置存储；及The financial service terminal transmits the authenticated digital image file to the mobile device for storage; and
该移动装置将该数字图像文件设定对应至特定按键。The mobile device is configured to map the digital image file to a specific key.
如上所述，若该刷卡金额超过该门限值，该移动装置进行认证动作的步骤还包括：As mentioned above, if the amount of swiping the card exceeds the threshold value, the steps for the mobile device to perform authentication actions also include:
通过按压该移动装置上的该特定按键，以将该移动装置内存储的该数字图像文件传送至该金融服务器。By pressing the specific button on the mobile device, the digital image file stored in the mobile device is transmitted to the financial server.
与现有技术相比，本发明的移动装置使用的金融交易作业方法及其交易系统至少具有以下优点：Compared with the prior art, the financial transaction operation method and transaction system used by the mobile device of the present invention have at least the following advantages:
1、移动装置中设置多合一芯片卡，使用者不需分别携带多张不同功能的实体芯片卡，例如信用卡、现金卡、金融卡、储值卡、优惠券的票卡等。不但方便，且与移动装置整合为一体，较不容易遗失；1. The mobile device is equipped with an all-in-one chip card, and the user does not need to carry multiple physical chip cards with different functions, such as credit cards, cash cards, financial cards, stored-value cards, coupon cards, etc. Not only is it convenient, but it is also integrated with the mobile device, making it less likely to be lost;
2、通过移动装置内部的应用程序来切换使用多合一芯片卡的其中一个，同时具有整理、寻找及使用上的便利性；2. Switch to one of the all-in-one chip cards through the application program inside the mobile device, which is convenient for sorting, finding and using;
3、在消费店家中进行交易时，直接使用移动装置来让消费店家的读卡器进行非接触式的感应刷卡；3. When conducting transactions in consumer stores, directly use the mobile device to allow the card reader of the consumer store to perform non-contact induction card swiping;
4、在感应刷卡的过程中，若金融服务器要求进行认证，可直接在移动装置上进行认证动作，不需通过消费店家的机器(读卡器或其它认证机器)，如此安全性较高，使用者也不必担心认证数据会被不肖商家所窃取。4. In the process of inductive card swiping, if the financial server requires authentication, the authentication action can be performed directly on the mobile device without going through the consumer store's machine (card reader or other authentication machine), which is more secure and easy to use Investors do not have to worry about authentication data being stolen by unscrupulous merchants.
附图说明Description of drawings
图1为本发明的较佳具体实施例的系统架构图；Fig. 1 is a system architecture diagram of a preferred embodiment of the present invention;
图2A为本发明的较佳具体实施例的多合一芯片卡示意图；Fig. 2A is a schematic diagram of an all-in-one chip card in a preferred embodiment of the present invention;
图2B为本发明的较佳具体实施例的多合一芯片卡架构图；Fig. 2B is an all-in-one chip card architecture diagram of a preferred embodiment of the present invention;
图3为本发明的较佳具体实施例的开通流程图；Fig. 3 is the opening flowchart of the preferred embodiment of the present invention;
图4为本发明的较佳具体实施例的感应刷卡流程图；Fig. 4 is the induction card swiping flowchart of the preferred embodiment of the present invention;
图5为本发明的较佳具体实施例的多合一芯片卡选择页面示意图；Fig. 5 is a schematic diagram of an all-in-one chip card selection page in a preferred embodiment of the present invention;
图6为本发明的较佳具体实施例的移动装置的账号密码认证示意图；FIG. 6 is a schematic diagram of account password authentication of a mobile device according to a preferred embodiment of the present invention;
图7为本发明的较佳具体实施例的移动装置的脸部特征辨识、指纹特征扫描与视网膜特征辨识认证示意图；7 is a schematic diagram of facial feature recognition, fingerprint feature scanning and retinal feature recognition and authentication of a mobile device according to a preferred embodiment of the present invention;
图8为本发明的较佳具体实施例的移动装置的签名认证示意图；Fig. 8 is a schematic diagram of signature authentication of a mobile device according to a preferred embodiment of the present invention;
图9为本发明的较佳具体实施例的移动装置的指纹辨识认证示意图；FIG. 9 is a schematic diagram of fingerprint identification and authentication of a mobile device according to a preferred embodiment of the present invention;
图10为本发明的较佳具体实施例的图像密码登录流程图。Fig. 10 is a flow chart of image password login in a preferred embodiment of the present invention.
附图标记说明Explanation of reference signs
1 移动装置 11 第一镜头1
12 第二镜头 13 第三镜头12
14 显示屏幕 15 特定按键14
141 芯片卡选择页面 142 账号密码输入页面141 Chip card selection page 142 Account password input page
143 移动装置签名页面 144 移动装置指纹扫描页面143 Mobile
2 读卡器 21 第一读卡器2 card reader 21 first card reader
22 第二读卡器 23 第三读卡器22 Second card reader 23 Third card reader
3 金融服务器 4 电信服务器3 Financial Server 4 Telecom Server
5 多合一芯片卡 51 移动装置通信芯片卡5 All-in-one
52 优惠卡 53 储值卡52
54 金融卡 55 现金卡54
56 信用卡 6 短信服务器56 credit card 6 SMS server
S30-S34 步骤 S40-S68 步骤S30-S34 steps S40-S68 steps
S340-S350 步骤S340-S350 steps
具体实施方式Detailed ways
为了更进一步了解本发明的特征及技术内容，请参阅以下有关本发明的详细说明与附图，然而所附附图仅提供参考与说明，并非用来对本发明加以限制。In order to further understand the features and technical content of the present invention, please refer to the following detailed description and accompanying drawings of the present invention. However, the accompanying drawings are provided for reference and illustration only, and are not intended to limit the present invention.
首先请参阅图1，为本发明的较佳具体实施例的系统架构图。本发明的金融交易系统主要包括移动装置1、读卡器2、金融服务器3、电信服务器4及短信服务器6，其中该金融服务器3、该电信服务器4及该短信服务器6可为一般服务器或云端服务器，并不加以限定。该移动装置1主要为便携式移动装置，例如行动电话、个人数字助理(PDA，Personal Digital Assistant)、平板计算机(Tablet computer，例如iPad)、电子书及全球定位系统(GPS，Global PositioningSystem)装置等，并不加以限定。First please refer to FIG. 1 , which is a system architecture diagram of a preferred embodiment of the present invention. The financial transaction system of the present invention mainly includes a
该读卡器2主要为消费店家或金融单位(图中未示出)所提供的读卡器，该读卡器2通过因特网与该金融服务器3进行联机，对使用者用来支付的芯片卡(如信用卡、金融卡等)做非接触式的感应。并且该读卡器2在感应刷卡动作之后，将芯片卡的卡片数据传送给该金融服务器3。The card reader 2 is mainly a card reader provided by a consumer store or a financial unit (not shown in the figure). (such as credit cards, debit cards, etc.) do non-contact induction. And the card reader 2 transmits the card data of the chip card to the financial server 3 after sensing the action of swiping the card.
如图1所示，不具有任何按键的第一读卡器21用以提供基本的小额感应刷卡，不需要输入任何认证数据；具有按键功能的第二读卡器22则可提供较高额度的感应刷卡动作，并在刷卡后接受消费店家或使用者通过按键来输入账号或密码等认证数据；而具有容置空间的第三读卡器23则专为特定工具进行感应，例如若芯片卡置放在该移动装置1内部，则使用者将该移动装置1置放在该容置空间中，该第三读卡器23即可对该移动装置1进行感应刷卡动作。然而，以上所述仅为本发明的较佳实施例，各种可进行非接触式感应刷卡的读卡器2均可符合本发明的应用，并不应加以限定。As shown in Figure 1, the first card reader 21 without any keys is used to provide basic small-amount inductive swiping cards without inputting any authentication data; the second card reader 22 with key functions can provide a higher amount Inductive card swiping action, and after swiping the card, accept the consumer store or user to enter the authentication data such as account number or password by pressing the button; and the third card reader 23 with accommodating space is designed for specific tools to sense, for example, if the chip card If placed inside the
该金融服务器3为设置在金融服务端(图中未示出)的一般服务器或云端服务器，该金融服务器3通过因特网与该读卡器2联机，接收该读卡器2传来的卡片数据，以进行后端的处理动作。该电信服务器4与该金融服务器3连接，为电信单位建立的一般服务器或云端服务器。该电信服务器4在该金融服务器3确认刷卡成功后，接收该金融服务器3所发出的刷卡成功信息。并且该电信服务器4还通过通信网络与该移动装置1连接，该电信服务器4依据该金融服务器3所发出的信息，传送短信至该移动装置1，告知使用者刷卡成功信息。The financial server 3 is a general server or a cloud server arranged at the financial service end (not shown in the figure), and the financial server 3 is connected with the card reader 2 through the Internet to receive the card data transmitted by the card reader 2, for back-end processing. The telecommunication server 4 is connected with the financial server 3 and is a general server or a cloud server established by a telecommunication company. After the financial server 3 confirms that the card swiping is successful, the telecommunications server 4 receives the card swiping success message sent by the financial server 3 . And the telecommunication server 4 is also connected with the
再者，该金融服务器3也可以直接通过因特网或通信网络连接该移动装置1，在刷卡成功之后，该金融服务器3不通过该电信服务器4，而自行传送短信至该移动装置1，告知使用者刷卡成功信息。Furthermore, the financial server 3 can also be directly connected to the
甚至，本发明的金融交易系统还可以连接该短信服务器6。该短信服务器6为向该电信单位购买或承租简码服务的短信单位所建立的一般服务器或云端服务器。当该金融服务器3确认刷卡成功后，发出刷卡成功信息给该短信服务器6，该短信服务器6再通过该电信服务器4来传送短信至该移动装置1，告知使用者刷卡成功信息。Even, 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 a cloud server established by a short message unit that purchases or leases a simple code service from the telecommunications unit. After the financial server 3 confirms that the card swiping is successful, it sends a successful card swiping message to the short message server 6, and the short message server 6 sends a short message to the
该移动装置1内部主要设置有多合一芯片卡5(如图2B中所示的多合一芯片卡5)，借此，该移动装置1的使用者在进行交易时，可直接使用该移动装置1来与该读卡器2进行非接触式感应，以使该读卡器2感应该移动装置1内的该多合一芯片卡5的其中一个(容后详述)。The
其中，该多合一芯片卡5至少包含移动装置通信芯片卡51(如图2A中所示的移动装置通信芯片卡51)，该移动装置1通过该移动装置通信芯片卡51进行通信。其中该通信功能可以为通话功能、短信功能或3G-4G(包括4G以上的技术)上网功能等，并不加以限定。Wherein, the all-in-one
请同时参阅图2A及图2B，为本发明的较佳具体实施例的多合一芯片卡示意图及架构图。如图2A及图2B所示，该多合一芯片卡5主要可由该移动装置通信芯片卡51、优惠卡52、储值卡53、金融卡54、现金卡55及信用卡56等两个以上芯片卡共同整合而成。其组合数量可为二合一、三合一、......、至六合一或六合一以上不等，并不加以限定。其中该移动装置通信芯片卡51可为使用者身份模块(SIM，Subscriber Identity Module)卡、通用使用者身份模块(USIM，Universal Subscriber Identity Module)卡，或其它功能的移动装置通信芯片卡，并不加以限定。Please refer to FIG. 2A and FIG. 2B at the same time, which are schematic diagrams and structure diagrams of an all-in-one chip card according to a preferred embodiment of the present invention. As shown in Figure 2A and Figure 2B, the all-in-one
该优惠卡52中可存储网络下载的优惠券数据，或现金支付的等值金额等优惠信息；该储值卡53中可存储现金储值数据或虚拟的点数储值数据等；该金融卡54可为各大国内、国外银行发行的金融卡芯片；该现金卡55可为各大国内、国外银行发行的现金卡芯片；而该信用卡56可为各大国内、国外银行发行的信用卡芯片。The coupon data downloaded from the network can be stored in the
该移动装置1内部安装有应用程序(图中未示出)，该移动装置1可以通过该应用程序选择使用该多合一芯片卡5的其中一个。其中，该多合一芯片卡5可以具有两个以上同一卡片类型的芯片卡数据，并通过该应用程序选择其中一种卡片类型(如储值卡53)后，再选择该卡片类型的其中一个芯片卡数据(如现金储值卡或游戏点数储值卡等)。An application program (not shown in the figure) is installed inside the
请继续参阅图3，为本发明的较佳具体实施例的开通流程图。使用者在该移动装置1上使用该多合一芯片卡5之前，需要先向各个该芯片卡52-56所属的金融服务端分别进行申请使用该多合一芯片卡5(步骤S30)。接着，通过该移动装置1开通该多合一芯片卡5中的各个该芯片卡52-56(步骤S32)，以使该移动装置1与该多合一芯片卡5能互相对应。最后，在各个该芯片卡52-56所属的各个该金融服务器3，分别设定并登录各个该芯片卡52-56的认证数据(步骤S34)。其中，该认证数据可为：使用者的身份证账号(ID，Identification)、密码、脸部特征辨识数据、视网膜特征辨识数据、签名数据、指纹特征扫描数据及图像密码数据等。如此一来，当使用者使用该移动装置1进行感应刷卡时，若刷卡金额超过门限值，该金融服务器3可要求使用者进行认证，借以避免该移动装置1遗失或遭窃后，该多合一芯片卡5被盗用。Please continue to refer to FIG. 3 , which is a flow chart of activation in a preferred embodiment of the present invention. Before using the all-in-one
请继续参阅图4，为本发明的较佳具体实施例的感应刷卡流程图。首先，使用者在进行感应刷卡之前，先执行该移动装置1内部的该应用程序(步骤S40)。接着，通过该应用程序选择该多合一芯片卡5的其中一个卡片类别(步骤S42)，最后再选择该卡片类别的其中一个芯片卡数据(步骤S44)。该步骤S44之后，该移动装置1已选定该多合一芯片卡5的芯片卡52-56的其中一个，借此，使用者可以直接使用该移动装置1来让该读卡器2进行非接触式的感应刷卡动作(步骤S46)。Please continue to refer to FIG. 4 , which is a flow chart of inductive card swiping in a preferred embodiment of the present invention. First, the user executes the application program inside the
接着，该金融服务器3接收到刷卡数据后，判断此次的刷卡金额是否超过门限值(步骤S48)，若刷卡金额未超过该门限值，表示为小额支付交易，使用者不必进行认证动作；而若刷卡金额超过该门限值，则直接通过该移动装置1，对使用者进行认证动作(步骤S50)。借以，步骤S50之后，该移动装置1取得使用者的认证数据，并传送至该金融服务器3(步骤S52)，最后再由该金融服务器3比对该认证数据是否通过(步骤S54)。若该认证数据比对不通过，则刷卡动作失败；而若该认证数据比对通过，则该金融服务器3确认刷卡动作完成(步骤S56)。在该步骤S52中，该移动装置1可以通过因特网、通信网络或该读卡器2来连接该金融服务器3，以传送该认证数据至该金融服务器3，可视实际运作而定，并不加以限定。Next, after the financial server 3 receives the card swiping data, it judges whether the swiped card amount exceeds the threshold value (step S48). Action; and if the credit card amount exceeds the threshold value, the
其中，该门限值主要可由使用者在申请使用该多合一芯片卡5时，与该金融服务器3共同建立，例如，使用者可以设定刷卡金额为一千元以下时，不进行认证动作。再者，该门限值也可以由该金融服务器3所属的金融服务端强制规定，以维护使用者的安全，并不加以限定。Wherein, the threshold value can be established jointly by the user and the financial server 3 when applying for the use of the multi-in-
使用该移动装置1感应刷卡成功之后，该金融服务器3可选择性地要求该消费店家让使用者对刷卡单据签名(步骤S58)，以使该消费店家留存并回报给该金融服务器3。然而需要注意的是，若直接使用该移动装置1来进行感应刷卡及认证动作，则此步骤不一定必然产生。After using the
如上所述，感应刷卡动作完成之后，该金融服务器3回复该消费店家刷卡成功信息(步骤S60)。更具体地，该金融服务器3将刷卡成功信息回复至该消费店家中的该读卡器2。此外该金融服务器3还通知该电信服务器4或该短信服务器6刷卡成功信息(步骤S62)，并且该金融服务器3本身也会存储刷卡成功信息(步骤S64)。其中，该步骤S60、S62及S64并不具有执行上的顺序关系，也不必全部执行，可以视该金融服务器3的运作而定，并不加以限定。As mentioned above, after the inductive card swiping action is completed, the financial server 3 replies to the consumer store with a successful card swiping message (step S60). More specifically, the financial server 3 replies to the card reader 2 in the consumer store with successful card swiping information. In addition, the financial server 3 also notifies the telecommunication server 4 or the short message server 6 of successful card swiping information (step S62), and the financial server 3 itself also stores the successful card swiping information (step S64). Wherein, the steps S60, S62 and S64 do not have a sequential relationship in execution, and do not need to be executed in all, and may depend on the operation of the financial server 3, and are not limited thereto.
该步骤S62之后，该电信服务器4或该短信服务器6依据该金融服务器3发出的刷卡成功信息，发送短信至该移动装置1，以告知使用者刷卡成功信息(步骤S66)。最后，该移动装置1中的该多合一芯片卡5存储此次的刷卡记录(步骤S68)。After the step S62, the telecommunications server 4 or the short message server 6 sends a short message to the
图5为本发明的较佳具体实施例的多合一芯片卡选择页面示意图。如图5所示，该移动装置1上具有显示屏幕14，使用者在进行交易前，可执行该移动装置1内的该应用程序，以便在该显示屏幕14上显示芯片卡选择页面141。使用者可使用该移动装置1上的特定按键15，或者触控式的该显示屏幕14，在该芯片卡选择页面141下选择使用该多合一芯片卡5中的该优惠卡52、该储值卡53、该金融卡54、该现金卡55及该信用卡56的其中一个。并且，还可以选择芯片卡使用记录，以观察该多合一芯片卡5中的各个该芯片卡52-56的使用记录。Fig. 5 is a schematic diagram of an all-in-one chip card selection page in a preferred embodiment of the present invention. As shown in FIG. 5 , the
上述图4中，该移动装置1进行认证动作的该步骤S50，以及取得认证数据，并传送至该金融服务器3的该步骤S52，主要在该金融服务器3要求该移动装置1对使用者进行认证时，通过该移动装置1取得使用者的身份证账号、密码、脸部特征辨识数据、视网膜特征辨识数据、签名数据、指纹特征扫描数据及图像密码数据等认证数据。如图6所示，为本发明的较佳具体实施例的移动装置的账号密码认证示意图。当该金融服务器3要求该移动装置1进行使用者的身份证ID及至少一个密码的认证时，该移动装置1可执行该应用程序，以进入账号密码输入页面142。使用者可以使用该移动装置1上的该特定按键15或触控式的该显示屏幕14输入账号密码，作为该认证数据并传送至该金融服务器3进行认证动作。In the above-mentioned FIG. 4 , the step S50 of the
然而，若刷卡的金额较大，该金融服务器3要求更具安全性的认证数据时，该移动装置1可进一步通过下面所述的硬件设备及程序，来执行认证动作，以及认证数据的提供动作。However, if the amount of swiping the card is relatively large and the financial server 3 requires more secure authentication data, the
请继续参阅图7，为本发明的较佳具体实施例的移动装置的脸部特征辨识、指纹特征扫描与视网膜特征辨识认证示意图。该移动装置1的同一侧面上具有两个以上的镜头11-13(可为一般摄影镜头，或具有特殊功能的扫描镜头)，当该金融服务器3要求该移动装置1对使用者进行认证动作时，该移动装置1可以通过两个以上该镜头11-13对使用者进行脸部特征辨识的认证动作。Please continue to refer to FIG. 7 , which is a schematic diagram of facial feature recognition, fingerprint feature scanning, and retinal feature recognition and authentication of a mobile device according to a preferred embodiment of the present invention. The same side of the
如图7所示，以第一镜头11、第二镜头12及第三镜头13为例，举例说明。然而，该移动装置1可以仅具备该第一镜头11及该第二镜头12、同时具备该第一镜头11、该第二镜头12及该第三镜头13，或是同时具备三个以上的镜头。As shown in FIG. 7 , the
在本实施例中，该第一镜头11可为一般像素的摄影镜头，而该第二镜头12可为具有高感度的摄影镜头。借此，在该第一镜头11与该第二镜头12的互相搭配之下，配合该移动装置1内部软件的应用，该移动装置1可以达成3D的脸部特征辨识动作。而该第三镜头13则可以为具有视网膜特征辨识(RetinaRecognition)功能的扫描镜头，借此，在该第一镜头11、该第二镜头12及该第三镜头13的共同搭配使用下，再通过软件的应用，该移动装置1可以达成3D-4D的脸部辨识动作。借此，可提高本系统在感应刷卡时的认证准确率，以提升该多合一芯片卡5的使用安全性。In this embodiment, the
同时，若该移动装置1设置有具有视网膜特征辨识功能的扫描镜头(即，该第三镜头13)，则该移动装置1还可以通过该第三镜头13对使用者进行视网膜特征辨识或指纹特征扫描的高阶认证动作，以将使用者的视网膜特征辨识数据、指纹特征扫描数据作为该认证数据。At the same time, if the
请继续参阅图8，为本发明的较佳具体实施例的移动装置的签名认证示意图。当该金融服务器3要求该移动装置1对使用者进行认证动作时，该移动装置1可执行该应用程序，以进入移动装置签名页面143。在本实施例中，该移动装置1上的该显示屏幕14为触控式的显示屏幕14，使用者可以直接在该显示屏幕14上进行签名动作。在签名动作结束后，该移动装置1会将使用者的签名数据作为该认证数据，并传送至该金融服务器3进行比对认证。Please continue to refer to FIG. 8 , which is a schematic diagram of signature authentication of a mobile device according to a preferred embodiment of the present invention. When the financial server 3 requires the
请继续参阅图9，为本发明的较佳具体实施例的移动装置的指纹辨识认证示意图。当该金融服务器3要求该移动装置1对使用者进行认证动作时，该移动装置1除了可以通过该第三镜头13对使用者进行指纹特征扫描的认证动作之外，还可以执行该应用程序，以进入移动装置指纹扫描页面144。在本实施例中，该移动装置1上的该显示屏幕14为触控式的显示屏幕。使用者可以将任一手指放置在该显示屏幕14上，借由该应用程序配合该移动装置1内部的组件进行扫描。在扫描动作结束后，该移动装置1会将所扫描到的任一指纹特征数据作为该认证数据，并传送至该金融服务器3进行已建文件指纹特征数据的比对认证。Please continue to refer to FIG. 9 , which is a schematic diagram of fingerprint identification and authentication of a mobile device according to a preferred embodiment of the present invention. When the financial server 3 requires the
最后请参阅图10，为本发明的较佳具体实施例的图像密码登录流程图。除了上述的使用者身份证ID、密码、脸部特征辨识、视网膜特征辨识、签名及指纹特征扫描等认证方式之外，本实施例中还提供了一种以图像密码来进行认证的方式。Finally, please refer to FIG. 10 , which is a flow chart of image password login in a preferred embodiment of the present invention. In addition to the aforementioned authentication methods such as user ID card ID, password, facial feature recognition, retinal feature recognition, signature and fingerprint feature scanning, this embodiment also provides an authentication method using image passwords.
首先，在上述设定并登录各个该芯片卡52-56的认证数据的该步骤S34中，使用者先提供实体照片给该金融服务器3所属的金融服务端(步骤S340)。接着，该金融服务端通过扫描或其它方式，将该实体照片转换为数字图像文件(步骤S342)。并且，该金融服务端对该数字图像文件进行认证(步骤S344)，最后，该金融服务端再将经过认证的该数字图像文件存储在该金融服务器3中(步骤S346)。First, in the step S34 of setting and registering the authentication data of each of the chip cards 52-56, the user first provides a physical photo to the financial service terminal to which the financial server 3 belongs (step S340). Next, the financial service end converts the physical photo into a digital image file by scanning or other means (step S342). And, the financial service terminal authenticates the digital image file (step S344), and finally, the financial service terminal stores the authenticated digital image file in the financial server 3 (step S346).
同时，该金融服务端将该经认证的数字图像文件传送至该移动装置1中存储(步骤S348)。如此一来，在感应刷卡的过程中，该金融服务器3要求该移动装置1对使用者进行认证时，使用者可以将该数字图像文件传送至该金融服务器3进行认证动作。借此，确认该多合一芯片卡5与该移动装置1互相对应，该金融服务器3可以在该数字图像文件认证通过之后，确认刷卡成功。At the same time, the financial service end transmits the authenticated digital image file to the
并且，该移动装置1还可以选择性地将该数字图像文件设定对应至该移动装置1上的该特定按键15(步骤S350)。如此一来，在进行认证时，只要按下该特定按键15，该移动装置1即自动将该数字图像文件传送至该金融服务器3进行认证动作，则可以加快认证动作的进行。Moreover, the
如上所述，本发明提供了一种兼具实用性、便利性及安全性的交易系统与交易方法，可以有效提升使用者既有的交易习惯。As mentioned above, the present invention provides a practical, convenient and safe transaction system and transaction method, which can effectively improve the user's existing transaction habits.
上述仅为本发明的较佳实施例而已，并非用来限定本发明实施的范围。即凡依本发明权利要求书所做的均等变化与修饰，均为本发明专利范围所涵盖。The foregoing are only preferred embodiments of the present invention, and are not intended to limit the implementation scope of the present invention. That is, all equivalent changes and modifications made according to the claims of the present invention are covered by the patent scope of the present invention.
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