技术领域technical field
本发明关于一种行动支付总成，特别是一种具有信号连接的外接式支付装置与行动电子装置的行动支付总成及应用该行动支付总成的系统与方法。The present invention relates to a mobile payment assembly, in particular to a mobile payment assembly with a signal-connected external payment device and a mobile electronic device and a system and method for applying the mobile payment assembly.
背景技术Background technique
随着科技的进步，使用真实货币不再是唯一的买卖交易方式，随着电子钱包的概念逐渐发展，结合加密解碼的技术，已一并提高电子钱包的使用上的安全性。With the advancement of technology, the use of real money is no longer the only way of buying and selling transactions. With the gradual development of the concept of electronic wallets, combined with the technology of encryption and decoding, the security of the use of electronic wallets has been improved.
市面上常见的电子钱包大都为卡片式，像是悠游卡或储值卡，然而，此类电子钱包与真实货币其实具有相同的缺点，就是必需独立被携带，因此使用者必须像携带一般现金一样，将其置放于钱包。然而，若是忘了带卡片或是忘了带钱包出门，还是会遭遇没有金钱可以付款的窘境。Most of the common e-wallets on the market are card-type, such as EasyCard or stored-value cards. However, this type of e-wallet actually has the same disadvantage as real money, that is, it must be carried independently, so users must carry it like ordinary cash , place it in the wallet. However, if you forget to bring your card or wallet to go out, you will still encounter the dilemma of having no money to pay.
目前市面上已出现有内建有近场无线通信技术（Near Field Communication；NFC）的手机，请参阅中国专利案CN201477631U，其揭露一种RFID手机电子钱包支付系统，以及台湾专利案M378583，其揭露使用于一手机的电子钱包装置。上述两件案件中，储存有用户个人及金钱数据的RFID芯片内建嵌于手机内，藉此设置，只要使用者手持手机，即可以与架设于收银台收银端的传感器作无线的数据传送以及接收，并且进一步完成仿真金钱的交易动作，像是如中国专利案CN201020146764.9中所述，具有电子钱包功能的手机可与一扣款设备执行交易扣款；或者是如中国专利案CN201110003436.2中所述，于手机上登入账户后，即可将账户的钱转至RFID卡作储值。At present, there are mobile phones with built-in Near Field Communication (NFC) technology on the market, please refer to Chinese patent case CN201477631U, which discloses an RFID mobile phone electronic wallet payment system, and Taiwan patent case M378583, which discloses An electronic wallet device used in a mobile phone. In the above two cases, the RFID chip that stores the user's personal and money data is embedded in the mobile phone. With this setting, as long as the user holds the mobile phone, it can wirelessly transmit and receive data with the sensor installed at the cashier end of the cash register , and further complete the transaction action of simulating money, as described in Chinese patent case CN201020146764.9, a mobile phone with electronic wallet function can perform transaction deduction with a deduction device; or as in Chinese patent case CN201110003436.2 As mentioned above, after logging into the account on the mobile phone, the money in the account can be transferred to the RFID card for stored value.
然而，由于芯片及具有近场无线通信技术的元件内建于前述手机中，故使用者势必购买特定的手机，才能使用这类功能。如此一来，加上原本使用者原本已拥有的手机，就有两台手机必需携带，并不方便。面临此状况下，使用者将得舍弃使用原有的手机。另一方面，目前市面上具有的近场无线通信技术的手机可以挑选的种类不多，跟市面上的众多厂商所出的琳琅满目的手机比起来，使用者被限制于选购特定的内建有芯片及具有近场无线通信技术的元件厂牌手机种类，由于数量较少，使用者不一定喜欢其外观，因故于功能和外观上面临两难。However, since chips and components with near-field wireless communication technology are built into the aforementioned mobile phones, users must purchase specific mobile phones to use such functions. As a result, plus the mobile phone originally owned by the user, there are two mobile phones that must be carried, which is inconvenient. Faced with this situation, the user will have to give up using the original mobile phone. On the other hand, currently there are not many types of mobile phones with near-field wireless communication technology available on the market. Compared with the dazzling array of mobile phones produced by many manufacturers on the market, users are limited to purchasing specific built-in wireless communication devices. Due to the small number of chips and components with near-field wireless communication technology, brand-name mobile phones, users may not like their appearance, and because of this, they are faced with a dilemma in terms of function and appearance.
再者，上述芯片内建于手机内的作法，即芯片商和手机商是在特定开发出的系统内作安全认证流程，是属于封闭系统，由于芯片商和手机商各自都有特定的机密认证规格，且不愿意释放，因此若要在每间金融机构与手机商之间要广泛推广，实属不易。Furthermore, the above-mentioned method of building the chip into the mobile phone means that the chip manufacturer and the mobile phone manufacturer perform the security authentication process in a specially developed system, which is a closed system, because the chip manufacturer and the mobile phone manufacturer each have specific confidential authentication procedures. Specifications, and are unwilling to release, so it is not easy to widely promote it among every financial institution and mobile phone manufacturer.
有鉴于此，提供一种能应用于各种不同的行动电子装置的支付装置，为此技术领域所亟需解决的目标。In view of this, it is an urgent goal to be solved in this technical field to provide a payment device that can be applied to various mobile electronic devices.
发明内容Contents of the invention
本发明要解决的技术问题在于，针对现有技术存在的上述不足，提供一种行动支付总成及应用该行动支付总成的系统与方法，其利用外接式支付装置信号连接于一行动电子装置，其中，外接式支付装置以及行动电子装置各自拥有密钥，若两密钥之间配对成功，则外接式支付装置能够被启用为一电子钱包。The technical problem to be solved by the present invention is to provide a mobile payment assembly and a system and method for applying the mobile payment assembly, which use an external payment device to connect to a mobile electronic device , wherein the external payment device and the mobile electronic device each have a key, and if the pairing between the two keys is successful, the external payment device can be activated as an electronic wallet.
本发明解决其技术问题所采用的技术方案是提供一种外接式支付装置，用以插接于一行动电子装置，其包括：一芯片模块，以供容置一芯片卡，且该芯片卡具有一第一密钥单元，用以与设置于该行动电子装置的一第二密钥单元配对；以及一数据处理模块，信号连接于该芯片模块，且该数据处理模块包括一感应天线以及一第一音频传输接口；其中，该感应天线用以与外界的一营运端点服务器执行信息传送及接收；其中，该外接式支付装置的该第一音频传输接口与该行动电子装置的一第二音频传输接口信号连结，以使该外接式支付装置与该行动电子装置之间相互执行信息传送及接收。The technical solution adopted by the present invention to solve the technical problem is to provide an external payment device for plugging into a mobile electronic device, which includes: a chip module for accommodating a chip card, and the chip card has A first key unit is used for pairing with a second key unit arranged on the mobile electronic device; and a data processing module is signal-connected to the chip module, and the data processing module includes an induction antenna and a first An audio transmission interface; wherein, the inductive antenna is used to perform information transmission and reception with an external operation terminal server; wherein, the first audio transmission interface of the external payment device communicates with a second audio transmission of the mobile electronic device The interface signal is connected so that the external payment device and the mobile electronic device perform information transmission and reception.
较佳地，该营运端点服务器发出一请求交易信息至该外接式支付装置，以使该外接式支付装置回传一响应交易信息至该营运端点服务器；其中，该响应交易信息为一同意信息或者为一拒绝信息。Preferably, the operation endpoint server sends a request transaction message to the external payment device, so that the external payment device sends back a response transaction message to the operation terminal server; wherein, the response transaction message is a consent message or Reject message for one.
较佳地，该数据处理模块还包括一存取单元；其中，于该同意信息传送至该营运端点服务器后，该营运端点服务器回传一交易信息至该数据处理模块的该存取单元，而该交易信息包括一电子发票信息；抑或，于该拒绝信息传送至该营运端点服务器后，该外接式支付装置与该营运端点服务器之间终止交易。Preferably, the data processing module further includes an access unit; wherein, after the consent information is sent to the operation end point server, the operation end point server returns a transaction information to the access unit of the data processing module, and The transaction information includes an electronic invoice information; or, after the rejection message is sent to the operation terminal server, the transaction between the external payment device and the operation terminal server is terminated.
较佳地，该感应天线以及该营运端点服务器之间是以无线射频技术（RadioFrequency，RF）或者是近场无线通信技术（Near Field Communication，NFC）实施。Preferably, the sensing antenna and the operation end point server are implemented by radio frequency technology (Radio Frequency, RF) or near field wireless communication technology (Near Field Communication, NFC).
较佳地，该数据处理模块还包括一数据存取单元，该数据存取单元用以对该外接式支付装置与该行动电子装置之间作一硬件识别，核对该第一密钥单元以及该第二密钥单元。Preferably, the data processing module further includes a data access unit, which is used for hardware identification between the external payment device and the mobile electronic device, and checks the first key unit and the second key unit. Two key units.
较佳地，该数据处理模块包括一个人化数据单元，用以存放一用户的个人资料。Preferably, the data processing module includes a personalized data unit for storing a user's personal data.
较佳地，该数据处理模块还包括一认证单元，该认证单元用以认证自外界所接收的数据。Preferably, the data processing module further includes an authentication unit, which is used to authenticate data received from the outside.
本发明还提供一种行动支付总成，其包括：一行动电子装置；一第一密钥单元，设置于该行动电子装置中；以及一外接式支付装置，信号连接于该行动电子装置，该外接式支付装置包括一芯片模块，以供容置一芯片卡；其中，该芯片卡具有一第二密钥单元；其中，设置于该行动电子装置中的该第一密钥单元配对于该芯片卡的该第二密钥单元，藉由该外接式支付装置与该行动电子装置相互作硬件识别的确认后，使该外接式支付装置可执行一金融交易动作。The present invention also provides a mobile payment assembly, which includes: a mobile electronic device; a first key unit set in the mobile electronic device; and an external payment device connected to the mobile electronic device with a signal. The external payment device includes a chip module for accommodating a chip card; wherein, the chip card has a second key unit; wherein, the first key unit set in the mobile electronic device is matched with the chip The second key unit of the card enables the external payment device to execute a financial transaction after the mutual hardware identification of the external payment device and the mobile electronic device is confirmed.
较佳地，该外接式支付装置还包括一数据处理模块，该数据处理模块还包括一感应天线，该感应天线用以与外界的一营运端点服务器执行信息传送及接收。Preferably, the external payment device further includes a data processing module, and the data processing module further includes an induction antenna, and the induction antenna is used to transmit and receive information with an external operation terminal server.
较佳地，该营运端点服务器发出一请求交易信息至该外接式支付装置，并使该外接式支付装置回传一响应交易信息至该营运端点服务器，其中，该响应交易信息为一同意信息或者为一拒绝信息。Preferably, the operation terminal server sends a request transaction message to the external payment device, and makes the external payment device return a response transaction message to the operation terminal server, wherein the response transaction message is a consent message or Reject message for one.
较佳地，该数据处理模块还包括一存取单元；其中，于该同意信息传送至该营运端点服务器后，该营运端点服务器回传一交易信息至该数据处理模块的该存取单元，而该交易信息包括一电子发票信息；抑或，该行动电子装置还包括一存取单元；其中，于该同意信息传送至该营运端点服务器后，该营运端点服务器回传一交易信息至该行动电子装置的该存取单元，而该交易信息包括一电子发票信息；抑或，于该拒绝信息传送至该营运端点服务器后，该外接式支付装置与该营运端点服务器之间终止交易。Preferably, the data processing module further includes an access unit; wherein, after the consent information is sent to the operation end point server, the operation end point server returns a transaction information to the access unit of the data processing module, and The transaction information includes an electronic invoice information; or, the mobile electronic device further includes an access unit; wherein, after the consent information is sent to the operation terminal server, the operation terminal server returns a transaction information to the mobile electronic device The access unit, and the transaction information includes an electronic invoice information; or, after the rejection message is sent to the operation terminal server, the transaction between the external payment device and the operation terminal server is terminated.
较佳地，该行动电子装置具有一应用模块，且该应用模块联机至网络上的一金融交易平台，以供用户进行一金融交易；其中，该金融交易为储值交易、付款交易、转账交易或查询交易。Preferably, the mobile electronic device has an application module, and the application module is connected to a financial transaction platform on the network for users to perform a financial transaction; wherein, the financial transaction is stored value transaction, payment transaction, transfer transaction or query transactions.
较佳地，该行动电子装置具有一第一应用模块，该第一应用模块经该外接式支付装置发出一请求交易信息至另一行动电子装置的一第二应用模块进行信号传输，以供用户执行一金融交易；其中，该金融交易为储值交易、付款交易、转账交易或查询交易。Preferably, the mobile electronic device has a first application module, and the first application module sends a request transaction information to a second application module of another mobile electronic device through the external payment device for signal transmission, for the user Executing a financial transaction; wherein, the financial transaction is a stored value transaction, a payment transaction, a transfer transaction or an inquiry transaction.
较佳地，该第二应用模块发出一响应交易信息至该第一应用模块；其中，该响应交易信息为一同意信息或者为一拒绝信息。Preferably, the second application module sends a response transaction message to the first application module; wherein, the response transaction message is an approval message or a rejection message.
较佳地，第一密钥单元为行动电子装置的硬件标识符、安装于该行动电子装置内的一电信芯片标识符、直接连接于该行动电子装置的至少另一硬件识别装置、该行动电子装置内建的一密钥号码、该行动电子装置自外界接收储存的一密钥号码、该行动电子装置下载的一应用软件中的一密钥号码，抑或是用户自定设定的密钥号码中的一者。Preferably, the first key unit is a hardware identifier of the mobile electronic device, a telecommunication chip identifier installed in the mobile electronic device, at least another hardware identification device directly connected to the mobile electronic device, the mobile electronic device A key code built into the device, a key code received and stored by the mobile electronic device from the outside, a key code in an application software downloaded by the mobile electronic device, or a key code set by the user one of.
较佳地，该外接式支付装置具有一第一音频接口，该行动电子装置具有一第二音频接口，该第一音频传输接口与该第二音频传输接口信号连结，以使该外接式支付装置与该行动电子装置之间相互执行信号传送及接收。Preferably, the external payment device has a first audio interface, the mobile electronic device has a second audio interface, and the first audio transmission interface is signal-linked with the second audio transmission interface, so that the external payment device and performing signal transmission and reception with the mobile electronic device.
较佳地，该外接式支付装置具有一第一数字信号传输接口，该行动电子装置具有一第二数字信号传输接口，该第一数字信号传输接口与该第二数字信号传输接口信号连结，以使该外接式支付装置与该行动电子装置之间相互执行信号传送及接收。Preferably, the external payment device has a first digital signal transmission interface, the mobile electronic device has a second digital signal transmission interface, and the first digital signal transmission interface is signal-linked with the second digital signal transmission interface to The external payment device and the mobile electronic device execute signal transmission and reception mutually.
较佳地，该第一数字信号传输接口以及该第二数字信号传输接口的任一者为一USB接口或其它标准传输接口。Preferably, any one of the first digital signal transmission interface and the second digital signal transmission interface is a USB interface or other standard transmission interfaces.
较佳地，该外接式支付装置具有一无线信号发射器，该行动电子装置具有一无线信号接收器，且该外接式支付装置与该行动电子装置之间经由各自的该无线信号发射器与该无线信号接收器以作信号连接。Preferably, the external payment device has a wireless signal transmitter, the mobile electronic device has a wireless signal receiver, and the external payment device and the mobile electronic device are connected via the wireless signal transmitter and the mobile electronic device respectively. Wireless signal receiver for signal connection.
较佳地，该无线信号发射器以及该无线信号接收器为蓝牙无线通信模块、Wi-Fi无线通信模块、近场通讯（NFC）无线通信模块、Z-Wave无线通信模块和ZigBee无线通信模块中的任一者。Preferably, the wireless signal transmitter and the wireless signal receiver are Bluetooth wireless communication modules, Wi-Fi wireless communication modules, near field communication (NFC) wireless communication modules, Z-Wave wireless communication modules and ZigBee wireless communication modules either of.
本发明还提供一种支付系统，其包括：一行动支付总成，包括一行动电子装置以及信号连接于该行动电子装置的一外接式支付装置；以及一营运端点服务器，包括一中央信息单元以及一收发感应装置；其中，于该外接式支付装置接近该收发感应装置时，该中央信息单元透过该收发感应装置与该外接式支付装置进行金融交易，且该中央信息单元将一交易信息传送至该外接式支付装置。The present invention also provides a payment system, which includes: a mobile payment assembly, including a mobile electronic device and an external payment device signally connected to the mobile electronic device; and an operation terminal server, including a central information unit and A transceiver sensing device; wherein, when the external payment device is close to the transceiver sensing device, the central information unit conducts a financial transaction with the external payment device through the transceiver sensing device, and the central information unit transmits a transaction information to the external payment device.
较佳地，该外接式支付装置包括一存取单元，该交易信息储存于该存取单元。Preferably, the external payment device includes an access unit, and the transaction information is stored in the access unit.
较佳地，该行动电子装置具有一应用模块，该应用模块用以读取该存取单元的该交易信息以执行一运算动作。Preferably, the mobile electronic device has an application module, and the application module is used to read the transaction information of the access unit to perform an operation.
较佳地，该行动电子装置具有一应用模块，且该交易信息传送至该外接式支付装置后再传送至该行动电子装置，且该交易信息储存于该应用模块。Preferably, the mobile electronic device has an application module, and the transaction information is sent to the external payment device and then sent to the mobile electronic device, and the transaction information is stored in the application module.
较佳地，该外接式支付装置还包括一芯片模块，该芯片模块包括一第一密钥，该行动电子装置中设置有一第二密钥；其中，该第一密钥配对于该第二密钥，以藉该外接式支付装置与该行动电子装置相互确认，使该外接式支付装置可执行一金融交易。Preferably, the external payment device further includes a chip module, the chip module includes a first key, and a second key is set in the mobile electronic device; wherein, the first key is paired with the second key A key is used to confirm each other between the external payment device and the mobile electronic device, so that the external payment device can execute a financial transaction.
较佳地，该外接式支付装置具有一第一音频传输接口，该行动电子装置包括一第二音频传输接口，该第一音频传输接口与该第二音频传输接口信号连结，以使该外接式支付装置与该行动电子装置之间相互执行信号传送及接收。Preferably, the external payment device has a first audio transmission interface, the mobile electronic device includes a second audio transmission interface, and the first audio transmission interface is connected to the second audio transmission interface signal, so that the external payment device The payment device and the mobile electronic device perform mutual signal transmission and reception.
较佳地，该外接式支付装置具有一第一数字信号传输接口，该行动电子装置具有一第二数字信号传输接口，该第一数字信号传输接口与该第二数字信号传输接口信号连结，以使该外接式支付装置与该行动电子装置之间相互执行信号传送及接收。Preferably, the external payment device has a first digital signal transmission interface, the mobile electronic device has a second digital signal transmission interface, and the first digital signal transmission interface is signal-linked with the second digital signal transmission interface to The external payment device and the mobile electronic device execute signal transmission and reception mutually.
较佳地，该第一数字信号传输接口以及该第二数字信号传输接口的任一者为一USB接口或其它标准传输接口。Preferably, any one of the first digital signal transmission interface and the second digital signal transmission interface is a USB interface or other standard transmission interfaces.
较佳地，该外接式支付装置具有一无线信号发射器，该行动电子装置具有一无线信号接收器，该无线信号发射器与该无线信号接收器信号连结，以使该外接式支付装置与该行动电子装置之间相互执行信号传送及接收。Preferably, the external payment device has a wireless signal transmitter, the mobile electronic device has a wireless signal receiver, and the wireless signal transmitter and the wireless signal receiver are signal-linked so that the external payment device and the The mobile electronic devices perform signal transmission and reception with each other.
较佳地，该无线信号发射器以及该无线信号接收器为蓝牙无线通信模块、Wi-Fi无线通信模块、近场通讯（NFC）无线通信模块、Z-Wave无线通信模块和ZigBee无线通信模块中的任一者。Preferably, the wireless signal transmitter and the wireless signal receiver are Bluetooth wireless communication modules, Wi-Fi wireless communication modules, near field communication (NFC) wireless communication modules, Z-Wave wireless communication modules and ZigBee wireless communication modules either of.
较佳地，该外接式支付装置包括一感应天线，该感应天线与该收发感应装置之间相互配合以执行信息传送及接收；其中，该感应天线以及该营运端点服务器之间是以无线射频技术（Radio Frequency；RF）或者是近场无线通信技术（Near Field Communication；NFC）实施。Preferably, the external payment device includes an inductive antenna, and the inductive antenna cooperates with the transceiver inductive device to perform information transmission and reception; wherein, the inductive antenna and the operation terminal server are connected by wireless radio frequency technology (Radio Frequency; RF) or near field wireless communication technology (Near Field Communication; NFC) implementation.
本发明还提供一种支付系统，其包括：一行动支付总成，包括一行动电子装置以及信号连接于该行动电子装置的一外接式支付装置；其中，该行动电子装置具有一接口连接单元；以及至少一交易认证单元，该行动电子装置透过该接口连接单元而与该至少一交易认证单元信号连接，且该外接式支付装置信号连接于该至少一交易认证单元；其中，于该行动电子装置与该外接式支付装置经由该至少一交易认证单元进行一相互配对程序后，该外接式支付装置可执行一金融交易。The present invention also provides a payment system, which includes: a mobile payment assembly, including a mobile electronic device and an external payment device signal-connected to the mobile electronic device; wherein, the mobile electronic device has an interface connection unit; and at least one transaction authentication unit, the mobile electronic device is signal-connected to the at least one transaction authentication unit through the interface connection unit, and the external payment device is signal-connected to the at least one transaction authentication unit; wherein, in the mobile electronic After the device and the external payment device perform a mutual pairing process through the at least one transaction authentication unit, the external payment device can execute a financial transaction.
较佳地，该支付系统还包括一第一密钥单元以及一第二密钥单元；其中，该第一密钥单元内建于该行动电子装置，且该第二密钥单元内建于该外接式支付装置的一芯片模块；抑或，该第一密钥单元内建于该行动电子装置，且该第二密钥单元经该至少一交易认证单元被授予对应该外接式支付装置的一芯片模块；抑或，该第一密钥单元经该至少一交易认证单元被授予对应该行动电子装置，且该第二密钥单元内建于该外接式支付装置的一芯片模块；抑或，该第一密钥单元经该至少一交易认证单元被授予对应该行动电子装置，且该第二密钥单元经该至少一交易认证单元被授予对应该外接式支付装置的一芯片模块。Preferably, the payment system further includes a first key unit and a second key unit; wherein, the first key unit is built in the mobile electronic device, and the second key unit is built in the mobile electronic device A chip module of an external payment device; or, the first key unit is built in the mobile electronic device, and the second key unit is assigned to a chip corresponding to the external payment device through the at least one transaction authentication unit module; or, the first key unit is assigned to the mobile electronic device through the at least one transaction authentication unit, and the second key unit is built in a chip module of the external payment device; or, the first The key unit is assigned to the mobile electronic device through the at least one transaction authentication unit, and the second key unit is assigned to a chip module corresponding to the external payment device through the at least one transaction authentication unit.
较佳地，该外接式支付装置还包括一数据存取单元，该数据存取单元用以核对该第一密钥单元以及该第二密钥单元中的至少一者。Preferably, the external payment device further includes a data access unit for checking at least one of the first key unit and the second key unit.
较佳地，该至少一交易认证单元为一插接式认证装置，用以核对该第一密钥单元以及该第二密钥单元中的至少一者，该接口连接单元为一USB接口、一音频传输接口或其它标准传输接口。Preferably, the at least one transaction authentication unit is a plug-in authentication device for checking at least one of the first key unit and the second key unit, and the interface connection unit is a USB interface, a Audio transmission interface or other standard transmission interface.
较佳地，该至少一交易认证单元为一云端交易平台，该接口连接单元为一网络接口模块。Preferably, the at least one transaction authentication unit is a cloud transaction platform, and the interface connection unit is a network interface module.
较佳地，该行动电子装置具有一应用模块，该应用模块联机至该云端交易平台，以供用户执行一金融交易；其中，该金融交易为储值交易、付款交易、转账交易或查询交易。Preferably, the mobile electronic device has an application module connected to the cloud transaction platform for users to perform a financial transaction; wherein, the financial transaction is stored value transaction, payment transaction, transfer transaction or inquiry transaction.
较佳地，该行动电子装置具有一应用模块，该第一应用模块用以发出一请求交易信息至另一行动电子装置，以请求执行一金融交易。Preferably, the mobile electronic device has an application module, and the first application module is used to send a transaction request message to another mobile electronic device to request execution of a financial transaction.
较佳地，该第二应用模块发出一响应交易信息至该第一应用模块；其中，该响应交易信息为一同意信息或者为一拒绝信息。Preferably, the second application module sends a response transaction message to the first application module; wherein, the response transaction message is an approval message or a rejection message.
较佳地，另该行动电子装置信号连接于另一外接式支付装置，于该第二应用模块查询另该外接式支付装置储存的数据后，发出一响应交易信息至该第一应用模块；其中，该响应交易信息为一同意信息或者为一拒绝信息。Preferably, the other mobile electronic device is signal-connected to another external payment device, and after the second application module queries the data stored in the other external payment device, it sends a response transaction message to the first application module; wherein , the response transaction information is an approval message or a rejection message.
较佳地，所述支付系统还包括一营运端点服务器，且该营运端点服务器包括一中央信息单元以及一收发感应装置；其中，于该外接式支付装置接近该收发感应装置时，该中央信息单元透过该收发感应装置与该外接式支付装置进行金融交易，且该中央信息单元将一交易信息传送至该外接式支付装置。Preferably, the payment system further includes an operation endpoint server, and the operation endpoint server includes a central information unit and a transceiver sensing device; wherein, when the external payment device is close to the transceiver sensing device, the central information unit A financial transaction is performed with the external payment device through the transceiving sensing device, and the central information unit transmits transaction information to the external payment device.
较佳地，该交易信息包括电子发票信息以及交易明细信息中的至少一者。Preferably, the transaction information includes at least one of electronic invoice information and transaction detail information.
本发明还提供一种金融交易支付方法，其包括下列步骤：The present invention also provides a financial transaction payment method, which includes the following steps:
（a）提供一行动支付总成，该行动支付总成包括一行动电子装置以及信号连接于该行动电子装置的一外接式支付装置；以及(a) providing a mobile payment assembly including a mobile electronic device and an external payment device signally connected to the mobile electronic device; and
（b）进行一配对程序于该行动电子装置以及该外接式支付装置之间，于配对程序成功后，该行动支付总成则可执行一金融交易。(b) Perform a pairing procedure between the mobile electronic device and the external payment device. After the pairing procedure is successful, the mobile payment assembly can execute a financial transaction.
较佳地，所述金融交易支付方法，于步骤（b）后，还包括步骤（c）：Preferably, the financial transaction payment method further includes step (c) after step (b):
（c）传送一请求交易信息自外界至该行动支付总成；抑或，自该行动支付总成传送一请求交易信息至一外界。(c) Sending a transaction request message from the outside to the mobile payment assembly; or, sending a transaction request message from the mobile payment assembly to an outside world.
较佳地，所述金融交易支付方法，于步骤（c）中，包括下述步骤：Preferably, the financial transaction payment method, in step (c), includes the following steps:
（c1）移动该外接式支付装置接近于一外界的一营运端点服务器，并使该营运端点服务器传送该请求交易信息至该外接式支付装置，以执行一金融交易。(c1) moving the external payment device close to an external operation endpoint server, and causing the operation endpoint server to transmit the requested transaction information to the external payment device to execute a financial transaction.
较佳地，所述金融交易支付方法，于步骤（c1）后，还包括步骤（d1）：Preferably, the financial transaction payment method further includes step (d1) after step (c1):
（d1）传送一同意信息自该行动支付总成至该营运端点服务器，则该营运端点服务器传送一交易信息至该行动支付总成的该行动电子装置以及该外接式支付装置中的至少一者；抑或，传送一拒绝信息自该行动支付总成至该营运端点服务器，则该行动支付总成与该营运端点服务器之间终止交易。(d1) Sending a consent message from the mobile payment assembly to the operation endpoint server, then the operation endpoint server sends a transaction message to at least one of the mobile electronic device and the external payment device of the mobile payment assembly ; Or, sending a rejection message from the mobile payment assembly to the operation end-point server, then the transaction between the mobile payment assembly and the operation end-point server is terminated.
较佳地，所述金融交易支付方法，于步骤（c）中，还包括：Preferably, the financial transaction payment method, in step (c), further includes:
（c2）传送该请求交易信息自该行动支付总成至该外界的一远程交易认证单元。(c2) Transmitting the requested transaction information from the mobile payment assembly to an external remote transaction authentication unit.
较佳地，所述金融交易支付方法，于步骤（c2）后，还包括步骤（d2）：Preferably, the financial transaction payment method further includes step (d2) after step (c2):
（d2）传送一储值信息自该远程交易认证单元至该行动支付总成；抑或，传送一拒储信息自该远程交易认证单元至该行动支付总成。(d2) Sending a stored-value message from the remote transaction authentication unit to the mobile payment assembly; or, sending a storage refusal message from the remote transaction authentication unit to the mobile payment assembly.
较佳地，步骤（b）包括下列步骤：（b1）确认该外接式支付装置的一第零密钥单元配合于该行动电子装置的一第一密钥单元以及该外接式支付装置的一芯片模块的一第二密钥单元中的至少一者。Preferably, the step (b) includes the following steps: (b1) confirming that a zeroth key unit of the external payment device cooperates with a first key unit of the mobile electronic device and a chip of the external payment device At least one of a second key unit of the module.
较佳地，步骤（b）包括下列步骤：Preferably, step (b) includes the following steps:
（b2）确认该行动电子装置的该第一密钥单元配合于该外接式支付装置的第二密钥单元；其中，该第一密钥单元内建于该行动电子装置，且该第二密钥单元内建于该外接式支付装置的该芯片模块；抑或，该第一密钥单元内建于该行动电子装置，且该第二密钥单元被授予对应该外接式支付装置的该芯片模块；抑或，该第一密钥单元被授予对应该行动电子装置，且该第二密钥单元内建于该外接式支付装置的该芯片模块；抑或，该第一密钥单元被授予对应该行动电子装置，且该第二密钥单元被授予对应该外接式支付装置的该芯片模块。(b2) Confirm that the first key unit of the mobile electronic device matches the second key unit of the external payment device; wherein, the first key unit is built in the mobile electronic device, and the second key unit The key unit is built in the chip module of the external payment device; or, the first key unit is built in the mobile electronic device, and the second key unit is assigned to the chip module corresponding to the external payment device ; Or, the first key unit is assigned to correspond to the mobile electronic device, and the second key unit is built into the chip module of the external payment device; or, the first key unit is assigned to correspond to the mobile electronic device The electronic device, and the second key unit is granted to the chip module corresponding to the external payment device.
本发明还提供一种金融交易支付方法，其包括下列步骤：The present invention also provides a financial transaction payment method, which includes the following steps:
（a）提供一支付系统，该支付系统包括一行动支付总成以及一营运端点服务器，该行动支付总成包括一行动电子装置以及信号连接于该行动电子装置的一外接式支付装置；(a) Provide a payment system, the payment system includes a mobile payment assembly and an operation terminal server, the mobile payment assembly includes a mobile electronic device and an external payment device signally connected to the mobile electronic device;
（b）移动该外接式支付装置接近于该营运端点服务器，使该外接式支付装置与该营运端点服务器之间相互执行信息传送及接收，以执行一金融交易；以及(b) moving the external payment device close to the operation endpoint server, so that the external payment device and the operation endpoint server perform information transmission and reception to perform a financial transaction; and
（c）传送一交易信息自该营运端点服务器至该行动支付总成，且该交易信息储存于该行动支付总成的该行动电子装置以及该外接式支付装置中的至少一者。(c) transmitting a transaction information from the operation terminal server to the mobile payment assembly, and the transaction information is stored in at least one of the mobile electronic device and the external payment device of the mobile payment assembly.
较佳地，所述金融交易支付方法，于步骤（a）中，包括下列步骤：Preferably, the financial transaction payment method, in step (a), includes the following steps:
（a1）确认该外接式支付装置的一第零密钥单元配合于该行动电子装置的一第一密钥单元；及/或，确认该外接式支付装置的该第零密钥单元配合于该外接式支付装置的一芯片模块的一第二密钥单元。(a1) confirming that a zeroth key unit of the external payment device is matched with a first key unit of the mobile electronic device; and/or, confirming that the zeroth key unit of the external payment device is matched with the A second key unit of a chip module of the external payment device.
较佳地，步骤（a）包括下列步骤：Preferably, step (a) includes the following steps:
（a2）确认该行动电子装置的该第一密钥单元配合于该外接式支付装置的第二密钥单元；其中，该第一密钥单元内建于该行动电子装置，且该第二密钥单元内建于该外接式支付装置的该芯片模块；抑或，该第一密钥单元内建于该行动电子装置，且该第二密钥单元被授予对应该外接式支付装置的该芯片模块；抑或，该第一密钥单元被授予对应该行动电子装置，且该第二密钥单元内建于该外接式支付装置的该芯片模块；抑或，该第一密钥单元被授予对应该行动电子装置，且该第二密钥单元被授予对应该外接式支付装置的该芯片模块。(a2) Confirm that the first key unit of the mobile electronic device matches the second key unit of the external payment device; wherein, the first key unit is built in the mobile electronic device, and the second key unit The key unit is built in the chip module of the external payment device; or, the first key unit is built in the mobile electronic device, and the second key unit is assigned to the chip module corresponding to the external payment device ; Or, the first key unit is assigned to correspond to the mobile electronic device, and the second key unit is built into the chip module of the external payment device; or, the first key unit is assigned to correspond to the mobile electronic device The electronic device, and the second key unit is granted to the chip module corresponding to the external payment device.
较佳地，所述金融交易支付方法，于步骤（b）中，包括下列步骤：Preferably, the financial transaction payment method, in step (b), includes the following steps:
（b1）传送一请求交易信息自该营运端点服务器至该行动支付总成。(b1) Sending a transaction request message from the operation endpoint server to the mobile payment system.
较佳地，所述金融交易支付方法，于步骤（b）中，包括下列步骤：Preferably, the financial transaction payment method, in step (b), includes the following steps:
（b2）传送一同意信息自该行动支付总成至该营运端点服务器，则该营运端点服务器传送该交易信息至该行动支付总成；抑或，传送一拒绝信息自该行动支付总成至该营运端点服务器，则终止交易。(b2) Send an approval message from the mobile payment system to the operation terminal server, then the operation terminal server transmits the transaction information to the mobile payment system; or, transmit a rejection message from the mobile payment system to the operation terminal server endpoint server, the transaction is terminated.
较佳地，所述金融交易支付方法，于步骤（c）后，还包括步骤：Preferably, the financial transaction payment method, after step (c), further includes the steps of:
（d）传送一请求交易信息自该行动支付总成至一远程交易认证单元。(d) Sending a requested transaction message from the mobile payment assembly to a remote transaction authentication unit.
较佳地，所述金融交易支付方法，于步骤（d）后，还包括步骤（e）：Preferably, the financial transaction payment method further includes step (e) after step (d):
（e）传送一储值信息自该远程交易认证单元至该行动支付总成；抑或，传送一拒储信息自该远程交易认证单元至该行动支付总成。(e) Sending a stored-value message from the remote transaction authentication unit to the mobile payment assembly; or, sending a storage refusal message from the remote transaction authentication unit to the mobile payment assembly.
本发明的行动支付总成，是由外接式支付装置以及一行动电子装置所组成，由于外接式支付装置本身已具备近场无线通信的功能，故行动电子装置本身就毋须具备近场无线通信的功能，因此外接式支付装置可应用于各式智能型手机，换句话说，使用者可以继续使用原有的手机但升级成为有近场无线通信的功能。进一步而言，只要携带本发明的行动支付总成，就不必再携带实体钱包。此外，藉由外接式支付装置以及行动电子装置之间的密钥配对认证，强化了经由无线的身份认证与识别的功能，提高交易时的安全与不可否认性，进一步保障无线通信用户与网络服务系统的信息服务或金融交易服务者双方的交易行为。并且此认证程序属开放系统，更易推广。The mobile payment assembly of the present invention is composed of an external payment device and a mobile electronic device. Since the external payment device itself has the function of near-field wireless communication, the mobile electronic device itself does not need to have the function of near-field wireless communication. function, so the external payment device can be applied to various smart phones. In other words, users can continue to use the original mobile phone but upgrade it to have the function of near-field wireless communication. Furthermore, as long as the mobile payment assembly of the present invention is carried, there is no need to carry a physical wallet. In addition, through the key pairing authentication between the external payment device and the mobile electronic device, the function of wireless identity authentication and identification is strengthened, the security and non-repudiation of transactions are improved, and wireless communication users and network services are further protected. Systematic information services or transaction behaviors between financial transaction service providers. And this certification program is an open system, which is easier to promote.
附图说明Description of drawings
图1为本发明的行动支付总成的第一实施例以及营运端点服务器的示意图。FIG. 1 is a schematic diagram of the first embodiment of the mobile payment assembly and the operation terminal server of the present invention.
图2为本发明的行动支付总成的外接式支付装置的示意图。FIG. 2 is a schematic diagram of an external payment device of the mobile payment assembly of the present invention.
图3为本发明的行动支付总成的第一实施例直接连至金融交易平台的示意图。Fig. 3 is a schematic diagram of the first embodiment of the mobile payment assembly of the present invention directly connected to the financial transaction platform.
图4为本发明的行动支付总成的第一实施例透过营运端点服务器连至金融交易平台的示意图。FIG. 4 is a schematic diagram of the first embodiment of the mobile payment assembly of the present invention connected to the financial transaction platform through the operation terminal server.
图5为本发明以两个行动支付总成实施交易的示意图。Fig. 5 is a schematic diagram of the present invention implementing transactions with two mobile payment assemblies.
图6为本发明的行动支付总成的第二实施例的示意图。Fig. 6 is a schematic diagram of the second embodiment of the mobile payment assembly of the present invention.
图7为本发明的金融交易支付方法的方块流程图。Fig. 7 is a block flow chart of the financial transaction payment method of the present invention.
图8为本发明的金融交易支付方法的另一方块流程图。FIG. 8 is another block flow chart of the financial transaction payment method of the present invention.
具体实施方式Detailed ways
首先，请先参阅如图1所示，其为本发明的行动支付总成的第一实施例以及营运端点服务器示意图。本发明揭露一种行动支付总成，其包括一行动电子装置1、一第一密钥单元10以及一外接式支付装置2，且第一密钥单元10可以以内建或加载的方式设置于行动电子装置1中。外接式支付装置2包括一芯片模块21，以供容置一芯片卡22，芯片卡22可以是SIM卡、Micro SD卡…等。其中，芯片卡22具有一第二密钥单元20，第一密钥单元10默认配对于第二密钥单元20。倘若芯片卡22的第二密钥单元20无法配对于行动电子装置1的第二密钥单元20，则芯片卡22无法被启动。First of all, please refer to FIG. 1 , which is a schematic diagram of the first embodiment of the mobile payment assembly and the operation terminal server of the present invention. The present invention discloses a mobile payment assembly, which includes a mobile electronic device 1, a first key unit 10 and an external payment device 2, and the first key unit 10 can be installed on the mobile device in a built-in or loaded manner. Electronic device 1. The external payment device 2 includes a chip module 21 for accommodating a chip card 22, and the chip card 22 can be a SIM card, a Micro SD card, etc. Wherein, the chip card 22 has a second key unit 20 , and the first key unit 10 is paired with the second key unit 20 by default. If the second key unit 20 of the chip card 22 cannot be paired with the second key unit 20 of the mobile electronic device 1 , the chip card 22 cannot be activated.
详细而言，外接式支付装置2信号连接于行动电子装置1，但信号连接方式不拘，其可以为外接式支付装置2实体插接于行动电子装置1，或者外接式支付装置2无线信号连接于行动电子装置1，藉由各式可能的信号连接设置，使第一密钥单元10与第二密钥单元20之间能执行一确认程序。倘若确认成功，则外接式支付装置2即可用以执行一金融交易动作；倘若确认失败，则使外接式支付装置2无法执行一金融交易动作。其中，外接式支付装置2较佳为活动式地外接于行动电子装置1，藉此，于毋须使用外接式支付装置2的状况时，使用者能快速地将外接式支付装置2与行动电子装置1拆离。In detail, the external payment device 2 is signal-connected to the mobile electronic device 1, but the signal connection method is not limited. It can be that the external payment device 2 is physically plugged into the mobile electronic device 1, or the external payment device 2 is wirelessly connected to the mobile electronic device 1. The mobile electronic device 1 enables a confirmation procedure to be executed between the first key unit 10 and the second key unit 20 through various possible signal connection settings. If the confirmation is successful, the external payment device 2 can be used to perform a financial transaction action; if the confirmation fails, the external payment device 2 cannot perform a financial transaction action. Among them, the external payment device 2 is preferably externally connected to the mobile electronic device 1 in a movable manner, so that when the external payment device 2 is not required, the user can quickly connect the external payment device 2 to the mobile electronic device. 1 detached.
再者，本发明的行动支付总成藉由设置于行动电子装置1的第一密钥单元10与设置于外接式支付装置2的芯片卡22的第二密钥单元20之间的配对，产生不可否认机制。举例来说，第二密钥单元20为持信用卡消费时亲笔签名的概念，故在网络上以信用卡进行消费时，即可藉由辨识第二密钥单元20的认证机制，以代替面对面交易时信用卡拥有人亲笔签名的概念，保留此一识别认证的动作，以进一步完善地确保买卖双方的权益。Moreover, the mobile payment assembly of the present invention is generated through the pairing between the first key unit 10 of the mobile electronic device 1 and the second key unit 20 of the chip card 22 of the external payment device 2 . Undeniable mechanism. For example, the second key unit 20 is the concept of a personal signature when using a credit card for consumption. Therefore, when using a credit card on the Internet for consumption, the authentication mechanism of the second key unit 20 can be recognized to replace face-to-face transactions. The concept of the credit card owner's personal signature retains this identification and authentication action to further perfectly ensure the rights and interests of both buyers and sellers.
于此须注意者为，第一密钥单元10不仅仅只能与单一个第二密钥单元20配对，第一密钥单元10还可以与多个第二密钥单元20配对，此为一对多的概念，此即，一个行动电子装置10能与多个外接式支付装置2配对后作用。在这相同的概念之下，一个外接式支付装置2亦可以与多个行动电子装置1配对后作用，如此一来，一个外接式支付装置2就不限于只能使用于一个行动电子装置1上。It should be noted here that the first key unit 10 can not only be paired with a single second key unit 20, the first key unit 10 can also be paired with multiple second key units 20, which is a The concept of one-to-many, that is, one mobile electronic device 10 can be paired with multiple external payment devices 2 to function. Under the same concept, an external payment device 2 can also be paired with multiple mobile electronic devices 1 to function. In this way, an external payment device 2 is not limited to be used on only one mobile electronic device 1 .
其中，本发明行动电子装置1以及外接式支付装置2之间可以以硬件方式以及软件方式作识别。若以硬件作识别，则第一密钥单元10为行动电子装置的硬件标识符（例如，网络卡的实体网络地址（MAC address））、安装于该行动电子装置内的一电信芯片标识符（例如，手机的SIM卡）、直接连接于该行动电子装置的至少另一硬件识别装置、行动电子装置内建的一密钥号码等等。或者是，以软件作识别，则行动电子装置1自外界接收储存的一密钥号码、行动电子装置1下载的一应用软件中的一密钥号码、用户自定设定的密钥号码中的一者等等，两种识别机制皆为可行。本发明下文中的应用模块可采用硬件或软件方式实现。Among them, the identification between the mobile electronic device 1 and the external payment device 2 of the present invention can be done in hardware or software. If it is identified by hardware, the first key unit 10 is the hardware identifier of the mobile electronic device (for example, the physical network address (MAC address) of the network card), a telecommunications chip identifier installed in the mobile electronic device ( For example, a SIM card of a mobile phone), at least another hardware identification device directly connected to the mobile electronic device, a built-in key code of the mobile electronic device, and the like. Or, using software for identification, the mobile electronic device 1 receives a stored key code from the outside, a key code in an application software downloaded by the mobile electronic device 1, and a key code in a user-defined key code. One and so on, both identification mechanisms are feasible. The following application modules of the present invention can be realized by hardware or software.
再者，外接式支付装置2更包括一数据处理模块23，数据处理模块23信号连接于芯片模块21，且数据处理模块23包括一感应天线230，感应天线230用以与外界的一营运端点服务器3执行信息传送及接收，进以实施非接触式的支付交易。一般而言，举凡商店或大运传交通工具通常设置有营运端点服务器3，营运端点服务器3包括一中央信息单元31以及一收发感应装置32，若用户欲执行一交易动作时，仅需移动外接式支付装置2接近收发感应装置32，此时中央信息单元31即可发出一请求交易信息S1经收发感应装置32至外接式支付装置2，藉此，使外接式支付装置2接收到请求交易信息S1。Moreover, the external payment device 2 further includes a data processing module 23, the data processing module 23 is signal-connected to the chip module 21, and the data processing module 23 includes an induction antenna 230, and the induction antenna 230 is used to communicate with an external operation terminal server 3. Execute information transmission and reception, and then implement non-contact payment transactions. Generally speaking, a store or Universiade transportation means is usually equipped with an operation terminal server 3, which includes a central information unit 31 and a transceiver sensing device 32, if the user wants to perform a transaction action, only need to move the external When the payment device 2 is close to the transceiver sensing device 32, the central information unit 31 can send a request transaction information S1 to the external payment device 2 via the transceiver sensing device 32, thereby enabling the external payment device 2 to receive the request transaction information S1.
于此须注意者为，用户可以设定二种程序，一是于接收请求交易信息S1后，需要经用户确认请求交易信息S1，外接式支付装置2才能继续进行交易；或者是，于接收请求交易信息S1后，毋需经用户确认请求交易信息S1，外接式支付装置2就能继续进行交易。上述两种方式，皆为可能的处理确认的程序。其后，外接式支付装置2即回传一响应交易信息S2至营运端点服务器3的中央信息单元31；其中，响应交易信息S2可能为一同意信息或者为一拒绝信息，端视处理确认的程序的判定。It should be noted here that the user can set two procedures. One is that after receiving the request transaction information S1, the external payment device 2 needs to confirm the request transaction information S1 before the transaction can continue; or, after receiving the request transaction information S1 After the transaction information S1 is received, the external payment device 2 can continue the transaction without the user confirming the request for the transaction information S1. The above two methods are all possible procedures for handling confirmation. Afterwards, the external payment device 2 sends back a response transaction information S2 to the central information unit 31 of the operation terminal server 3; wherein, the response transaction information S2 may be an approval information or a rejection information, depending on the procedure for processing confirmation judgment.
于此须注意者为，本发明是以营运端点服务器3主动发送请求交易信息S1至外接式支付装置2，而后外接式支付装置2回传一响应交易信息至营运端点服务器3为列举说明。当然，亦可以变化设计为外接式支付装置2主动发送一请求交易信息至营运端点服务器3，而后营运端点服务器3回传一响应交易信息至外接式支付装置2，此亦为可能的设置，于此不作限制。It should be noted here that the present invention uses the operation terminal server 3 to actively send the request transaction information S1 to the external payment device 2 , and then the external payment device 2 returns a response transaction information to the operation terminal server 3 as an example. Of course, it is also possible to change the design so that the external payment device 2 actively sends a request transaction information to the operation terminal server 3, and then the operation terminal server 3 returns a response transaction information to the external payment device 2. This is also a possible setting. This is not limited.
至于感应天线230以及营运端点服务器3之间是以无线射频技术（RadioFrequency；RF）、近场无线通信技术（Near Field Communication；NFC）实施或者是其它相近技术的无线传输技术来实施，于此不作限制。As for the connection between the induction antenna 230 and the operation end point server 3 is implemented by radio frequency technology (Radio Frequency; RF), near field wireless communication technology (Near Field Communication; NFC) or other similar technology wireless transmission technology, it will not be discussed here. limit.
图2为本发明行动支付总成的外接式支付装置的示意图。请合并参阅图1以及图2。其中，数据处理模块23更包括一数据存取单元231、一个人化数据单元232、一认证单元233以及一运算单元234。其中，数据存取单元231用以核对第一密钥单元10以及第二密钥单元20；个人化数据单元232用以存放一用户的个人资料，认证单元233用以认证自外界所接收的数据；至于运算单元234则是用以处理运算自外界所接收的数据，并产生相应回馈信息，如前述的请求交易信息S1以及响应交易信息S2等等。Fig. 2 is a schematic diagram of an external payment device of the mobile payment assembly of the present invention. Please refer to Figure 1 and Figure 2 together. Wherein, the data processing module 23 further includes a data access unit 231 , a personalized data unit 232 , an authentication unit 233 and a computing unit 234 . Among them, the data access unit 231 is used to check the first key unit 10 and the second key unit 20; the personalized data unit 232 is used to store a user's personal data, and the authentication unit 233 is used to authenticate data received from the outside ; As for the calculation unit 234, it is used to process and calculate the data received from the outside world, and generate corresponding feedback information, such as the aforementioned request transaction information S1 and response transaction information S2 and so on.
进一步而言，营运端点服务器3的中央信息单元31储存有多个交易信息I，而交易信息I包括一电子发票信息、交易物品明细以及交易日期明细中的至少一者。呈前所述，倘若响应交易信息S2为一同意信息，则外接式支付装置2会被扣款或存入金钱，于同意信息传送至营运端点服务器3后，营运端点服务器3的中央信息单元31经收发感应装置32回传交易信息I至外接式支付装置2的存取单元231。倘若响应交易信息S2为一拒绝信息，则于拒绝信息传送至营运端点服务器3后，外接式支付装置2与营运端点服务器3之间终止交易。较佳地，外接式支付装置2更包括一电池25，用以供电以使外接式支付装置2能传送信息。Further, the central information unit 31 of the operation terminal server 3 stores a plurality of transaction information I, and the transaction information I includes at least one of electronic invoice information, transaction item details and transaction date details. As mentioned above, if the response transaction information S2 is an approval message, the external payment device 2 will be deducted or deposit money. After the approval information is sent to the operation terminal server 3, the central information unit 31 of the operation terminal server 3 The transaction information I is sent back to the access unit 231 of the external payment device 2 via the transceiving sensing device 32 . If the response transaction message S2 is a rejection message, after the rejection message is sent to the operation endpoint server 3, the transaction between the external payment device 2 and the operation endpoint server 3 is terminated. Preferably, the external payment device 2 further includes a battery 25 for powering the external payment device 2 to transmit information.
于此须注意者为，虽然本发明以存取单元231设置于外接式支付装置2为列举，但并不作限制，存取单元231可以设置于行动电子装置1或是外接式支付装置2。换句话说，行动电子装置1或是外接式支付装置2皆可能储存有电子发票信息、交易物品明细以及交易日期明细等等的信息。It should be noted here that although the present invention takes the access unit 231 disposed on the external payment device 2 as an example, it is not limited thereto. The access unit 231 can be disposed on the mobile electronic device 1 or the external payment device 2 . In other words, both the mobile electronic device 1 and the external payment device 2 may store information such as electronic invoice information, transaction item details, transaction date details, and the like.
另一方面，行动电子装置1具有一应用模块11。应用模块11可读取自营运端点服务器3传送并储存于存取单元231的交易信息I，而后利用行动电子装置1内的运算器（图未示）执行一运算动作。应用模块11藉由读取芯片卡22内的信息，以查询外接式支付装置2内的余额，或者是，中央信息单元31发出的交易信息I经外接式支付装置2后再传送至行动电子装置1，且储存于应用模块11以便于查询，皆为可能的设置。On the other hand, the mobile electronic device 1 has an application module 11 . The application module 11 can read the transaction information I transmitted from the operation terminal server 3 and stored in the access unit 231, and then use the computing unit (not shown) in the mobile electronic device 1 to perform a computing action. The application module 11 checks the balance in the external payment device 2 by reading the information in the chip card 22, or the transaction information I sent by the central information unit 31 is sent to the mobile electronic device after passing through the external payment device 2 1, and stored in the application module 11 for easy query, are all possible settings.
图3为本发明的行动支付总成的第一实施例直接连至金融交易平台的示意图；图4为本发明的行动支付总成的第一实施例透过营运端点服务器连至金融交易平台的示意图。其中，应用模块11可以联机至网络上的一金融交易平台7，此为于云端操作金融交易的概念。其可能的设置方式为，如图3所示，行动电子装置1可以以无线网络直接信号连接至金融交易平台7；抑或如图4所示，行动电子装置1透过外接式支付装置2以及营运端点服务器3以信号连接至至金融交易平台7。其中，金融交易平台7会先确认外接式支付装置2的密钥以及行动电子装置1的密钥中的至少一者是否为正确，若是正确才能进行后续操作。再者，金融交易平台7开发维护者可以为金融机构，使用者可透过连接至金融交易平台7以管理自己账户内的金钱；或者是，用户可藉由操纵应用模块11以进行一金融交易；其中，金融交易为一储值交易、一付款交易、一转账交易或一查询交易。Fig. 3 is a schematic diagram of the first embodiment of the mobile payment assembly of the present invention directly connected to the financial transaction platform; Fig. 4 is a schematic diagram of the first embodiment of the mobile payment assembly of the present invention connected to the financial transaction platform through the operation terminal server schematic diagram. Among them, the application module 11 can be connected to a financial transaction platform 7 on the network, which is the concept of operating financial transactions on the cloud. Its possible setting method is, as shown in FIG. 3, the mobile electronic device 1 can be directly connected to the financial transaction platform 7 through a wireless network; or as shown in FIG. The endpoint server 3 is signally connected to the financial transaction platform 7 . Among them, the financial transaction platform 7 will first confirm whether at least one of the key of the external payment device 2 and the key of the mobile electronic device 1 is correct, and if it is correct, subsequent operations can be performed. Furthermore, the developer and maintainer of the financial transaction platform 7 can be a financial institution, and the user can manage the money in his own account by connecting to the financial transaction platform 7; or, the user can conduct a financial transaction by manipulating the application module 11 ; Wherein, the financial transaction is a stored value transaction, a payment transaction, a transfer transaction or an inquiry transaction.
接下来介绍外接式支付装置2与行动电子装置1之间信号连接的方法，其中，外接式支付装置2具有一第一音频传输接口24，行动电子装置1包括一第二音频传输接口12，外接式支付装置2的第一音频传输接口24与行动电子装置1的第二音频传输接口12信号连结，以使外接式支付装置2与行动电子装置1之间能相互执行信号传送及接收。举例而言，外接式支付装置2的第一音频传输接口24具有一音源接头240，行动电子装置1的第二音频传输接口12具有一音源孔120，音源接头240适以插入音源孔120，以使外接式支付装置2与行动电子装置1之间信号连接。Next, the method for signal connection between the external payment device 2 and the mobile electronic device 1 will be introduced, wherein the external payment device 2 has a first audio transmission interface 24, and the mobile electronic device 1 includes a second audio transmission interface 12. The first audio transmission interface 24 of the external payment device 2 is signal-connected with the second audio transmission interface 12 of the mobile electronic device 1, so that the external payment device 2 and the mobile electronic device 1 can perform signal transmission and reception mutually. For example, the first audio transmission interface 24 of the external payment device 2 has an audio source connector 240, the second audio transmission interface 12 of the mobile electronic device 1 has an audio source hole 120, and the audio source connector 240 is suitable for inserting into the audio source hole 120, so as to Make the signal connection between the external payment device 2 and the mobile electronic device 1 .
请参阅图5，其为本发明以两个行动支付总成实施交易的示意图，其中，准备一第一行动支付总成5以及一第二行动支付总成6，其中，第一行动支付总成5具有一第一行动电子装置51以及一第一外接式支付装置52，且第二行动支付总成6具有一第二行动电子装置61以及一第二外接式支付装置62，第一外接式支付装置52以及第二外接式支付装置62分别具有感应天线520、620，故第一行动支付总成5以及一第二行动支付总成6之间可透过感应天线520、620执行信号传输。Please refer to Figure 5, which is a schematic diagram of the present invention implementing transactions with two action payment assemblies, wherein a first action payment assembly 5 and a second action payment assembly 6 are prepared, wherein the first action payment assembly 5 has a first mobile electronic device 51 and a first external payment device 52, and the second mobile payment assembly 6 has a second mobile electronic device 61 and a second external payment device 62, the first external payment device The device 52 and the second external payment device 62 have induction antennas 520 , 620 respectively, so signal transmission between the first mobile payment assembly 5 and a second mobile payment assembly 6 can be performed through the induction antennas 520 , 620 .
再者，第一行动支付总成5的第一行动电子装置51具有一第一应用模块510，第二行动支付总成6的第二行动电子装置61具有一第二应用模块610，其中，第一应用模块510以及第二应用模块610之间经由第一外接式支付装置52的感应天线520以及第二外接式支付装置62的感应天线620作信号传送及接收，以供用户执行一金融交易；其中，该金融交易可以为一储值交易、一付款交易、一转账交易或一查询交易等等，于此不作限制。Furthermore, the first mobile electronic device 51 of the first mobile payment assembly 5 has a first application module 510, and the second mobile electronic device 61 of the second mobile payment assembly 6 has a second application module 610, wherein the first Signal transmission and reception between the first application module 510 and the second application module 610 via the induction antenna 520 of the first external payment device 52 and the induction antenna 620 of the second external payment device 62, for the user to execute a financial transaction; Wherein, the financial transaction may be a stored value transaction, a payment transaction, a transfer transaction or an inquiry transaction, etc., which is not limited here.
当然，本发明的行动支付总成亦可与其它内建式NFC手机（图未示）作交易。其中，第一应用模块510与内建式NFC手机的应用模块之间经由第一外接式支付装置52的感应天线520以及内建式NFC手机的感应天线作信号传送及接收，以供用户执行一金融交易。Of course, the mobile payment assembly of the present invention can also be used for transactions with other built-in NFC mobile phones (not shown). Among them, the first application module 510 and the application module of the built-in NFC mobile phone perform signal transmission and reception via the induction antenna 520 of the first external payment device 52 and the induction antenna of the built-in NFC mobile phone, for the user to perform a financial transaction.
详细而言，于此面对面的实施态样中，第一行动电子装置5的第一应用模块510透过第一外接式支付装置52发出一请求交易信息S3传送至第二行动电子装置6的一第二应用模块610，以请求执行金融交易。接者，经第二行动电子装置6的一处理单元（图未示）运算判断后，第二应用模块61发出一响应交易信息S4至第一应用模块510。其中，响应交易信息S4可以为一同意信息或者为一拒绝信息。倘若响应交易信息S4为一同意信息，则第二行动支付总成6里的金钱可被转移至于第一行动支付总成5里，或者第一行动支付总成5里的金钱可被转移至于第一行动支付总成6。反之，若响应交易信息S4为一拒绝信息，则于该拒绝信息传送至第一行动支付总成5后，第一行动支付总成5与第二行动支付总成6之间即终止交易。Specifically, in this face-to-face implementation, the first application module 510 of the first mobile electronic device 5 sends a request transaction information S3 through the first external payment device 52 and sends it to a second mobile electronic device 6. The second application module 610, to request to perform a financial transaction. Next, the second application module 61 sends a response transaction message S4 to the first application module 510 after calculation and judgment by a processing unit (not shown) of the second mobile electronic device 6 . Wherein, the response transaction information S4 may be an approval information or a rejection information. If the response transaction information S4 is a consent message, the money in the second action payment assembly 6 can be transferred to the first action payment assembly 5, or the money in the first action payment assembly 5 can be transferred to the first action payment assembly 5. One action pays the assembly6. On the contrary, if the response transaction message S4 is a rejection message, after the rejection message is transmitted to the first mobile payment system 5, the transaction between the first mobile payment system 5 and the second mobile payment system 6 is terminated.
请参阅图6，其为本发明的行动支付总成的第二实施例的示意图。当然，除了外接式支付装置2与行动电子装置1之间可以以音频接口作传输外，亦可以以数字信号传输接口作传输。其中，外接式支付装置2’具有一第一数字信号传输接口24’，行动电子装置1’包括一第二数字信号传输接口12’，外接式支付装置2’的第一数字信号传输接口24’与行动电子装置1’的第二数字信号传输接口12’信号连结，以使外接式支付装置2’与行动电子装置1’之间能相互执行信号传送及接收。举例而言，外接式支付装置2的第一数字信号传输接口24’具有一USB接头240’，行动电子装置1’的第二音频传输接口12’具有一USB孔120’，USB接头240’适以插入USB孔120’，以使外接式支付装置2’与行动电子装置1’之间信号连接。于此需说明者为，利用USB界面规格作数字数据传输仅为一列举，当然，亦可以使用其它标准传输接口作数字数据传输，于此并不作一限制。至于内部其它元件则相同于前一实施例，故于此不再赘述。Please refer to FIG. 6 , which is a schematic diagram of the second embodiment of the mobile payment assembly of the present invention. Of course, in addition to the audio interface for transmission between the external payment device 2 and the mobile electronic device 1, digital signal transmission interface can also be used for transmission. Wherein, the external payment device 2' has a first digital signal transmission interface 24', the mobile electronic device 1' includes a second digital signal transmission interface 12', and the first digital signal transmission interface 24' of the external payment device 2' It is signal-connected with the second digital signal transmission interface 12' of the mobile electronic device 1', so that the external payment device 2' and the mobile electronic device 1' can perform mutual signal transmission and reception. For example, the first digital signal transmission interface 24' of the external payment device 2 has a USB connector 240', the second audio transmission interface 12' of the mobile electronic device 1' has a USB hole 120', and the USB connector 240' is suitable for It can be inserted into the USB hole 120' to make the signal connection between the external payment device 2' and the mobile electronic device 1'. What needs to be explained here is that the use of the USB interface specification for digital data transmission is just an example. Of course, other standard transmission interfaces can also be used for digital data transmission, and there is no limitation here. As for other internal components, they are the same as those in the previous embodiment, so details will not be repeated here.
再者，考虑到使用者携带行动支付总成的方便性，可将外接式支付装置设计为一套壳，藉此，在外接式支付装置以有线或无线信号连接且固定于行动电子装置时，外接式支付装置适可裹覆行动电子装置，使其额外具有一般的手机外壳的功能，能够防外力碰撞且发挥美观的效果。Furthermore, considering the convenience of the user to carry the mobile payment assembly, the external payment device can be designed as a case, whereby when the external payment device is connected with a wired or wireless signal and fixed to the mobile electronic device, The external payment device is suitable for covering the mobile electronic device, so that it has the additional function of a general mobile phone shell, which can prevent external force collision and exert an aesthetic effect.
另外，除了上述两种透过实体接线走有线传输的方式外，亦可以以无线方式作传输。其中，外接式支付装置（图未示）具有一无线信号发射器，行动电子装置（图未示）具有一无线信号接收器，该无线信号发射器与该无线信号接收器信号连结，以使外接式支付装置与行动电子装置之间相互执行信号传送及接收。此亦为一种可能的实施方式。其中，无线信号发射器以及无线信号接收器可以为一蓝牙无线通信模块、一Wi-Fi无线通信模块、一近场通讯（NFC）无线通信模块、一Z-Wave无线通信模块和一ZigBee无线通信模块中的任一者。In addition, in addition to the above two methods of wired transmission through physical connection, wireless transmission can also be performed. Wherein, the external payment device (not shown in the figure) has a wireless signal transmitter, and the mobile electronic device (not shown in the figure) has a wireless signal receiver, and the wireless signal transmitter and the wireless signal receiver are signal-linked so that the external The mobile payment device and the mobile electronic device perform mutual signal transmission and reception. This is also a possible implementation manner. Wherein, the wireless signal transmitter and the wireless signal receiver can be a Bluetooth wireless communication module, a Wi-Fi wireless communication module, a near field communication (NFC) wireless communication module, a Z-Wave wireless communication module and a ZigBee wireless communication module any of the modules.
接下来，请参照图7，其为本发明的金融交易支付方法的方块流程图。并请合并参阅图1以及图7。首先，执行步骤（a）提供一行动支付总成，该行动支付总成包括一行动电子装置1以及信号连接于该行动电子装置1的一外接式支付装置2。其中，外接式支付装置2可以以音频接口、数字信号传输接口或无线传送接收的方式与行动电子装置1作信号传输，这部分已叙述记载于前。Next, please refer to FIG. 7 , which is a block flow chart of the financial transaction payment method of the present invention. And please refer to Figure 1 and Figure 7 together. First, step (a) is performed to provide a mobile payment assembly, which includes a mobile electronic device 1 and an external payment device 2 signal-connected to the mobile electronic device 1 . Wherein, the external payment device 2 can perform signal transmission with the mobile electronic device 1 through an audio interface, a digital signal transmission interface, or a wireless transmission and reception method, which has been described in the previous section.
步骤（a）后，执行步骤（b）。于步骤（b）中，进行一配对程序于该行动电子装置1以及该外接式支付装置2之间，于配对程序成功后，该行动支付总成则可执行一金融交易。反之，若配对程序失败，则该行动支付总成是无法用来执行金融交易。After step (a), step (b) is performed. In step (b), a pairing procedure is performed between the mobile electronic device 1 and the external payment device 2 , and after the pairing procedure is successful, the mobile payment assembly can execute a financial transaction. Conversely, if the matching procedure fails, the mobile payment assembly cannot be used to perform financial transactions.
步骤（b）的详细配对步骤如下：（b1）确认该外接式支付装置2的一第零密钥单元（图未示）配合于该行动电子装置1的一第一密钥单元10以及该外接式支付装置2的一芯片模块21的一第二密钥单元20中的至少一者，于此须特别说明者为，此可视为第一层的认证。接下来进行（b2）确认该行动电子装置1的该第一密钥单元10配合于该外接式支付装置2的第二密钥单元20，于此须特别说明者为，此可视为第二层的认证。当然，此认证程序并不限于在硬件或在云端执行。The detailed pairing steps of step (b) are as follows: (b1) Confirm that a zeroth key unit (not shown) of the external payment device 2 is compatible with a first key unit 10 of the mobile electronic device 1 and the external payment device At least one of a second key unit 20 of a chip module 21 of the payment device 2, which needs to be specifically explained here, can be regarded as the first layer of authentication. Next, proceed to (b2) to confirm that the first key unit 10 of the mobile electronic device 1 cooperates with the second key unit 20 of the external payment device 2, which must be specifically explained here, which can be regarded as the second layer authentication. Of course, this certification process is not limited to being performed in hardware or in the cloud.
其中，第一密钥单元10内建于行动电子装置1，且第二密钥单元20内建于外接式支付装置2的芯片模块21；抑或，第一密钥单元10内建于行动电子装置1，且第二密钥单元20自外界加载且被授予对应外接式支付装置2的芯片模块21；抑或，第一密钥单元10自外界加载且被授予对应行动电子装置1，且第二密钥单元20内建于外接式支付装置2的芯片模块21；抑或，第一密钥单元10自外界加载且被授予对应行动电子装置1，且第二密钥单元20自外界加载且被授予对应外接式支付装置2的芯片模块21等四种可能的设置。Wherein, the first key unit 10 is built in the mobile electronic device 1, and the second key unit 20 is built in the chip module 21 of the external payment device 2; or, the first key unit 10 is built in the mobile electronic device 1, and the second key unit 20 is loaded from the outside and awarded to the chip module 21 of the corresponding external payment device 2; or, the first key unit 10 is loaded from the outside and given to the corresponding mobile electronic device 1, and the second key unit The key unit 20 is built into the chip module 21 of the external payment device 2; or, the first key unit 10 is loaded from the outside and assigned to the corresponding mobile electronic device 1, and the second key unit 20 is loaded from the outside and assigned to the corresponding mobile electronic device. There are four possible settings for the chip module 21 of the external payment device 2 .
于步骤（b）之后，本发明的金融交易支付方法更包含步骤（c）传送一请求交易信息S1自外界至该行动支付总成；抑或，自该行动支付总成传送一请求交易信息至一外界。视行动支付总成是被预先设置为主动式或者是被动式。为方便说明起见，本发明以行动支付总成为被动式作例举说明，但并不作一限制。After step (b), the financial transaction payment method of the present invention further includes step (c) sending a request transaction information S1 from the outside to the mobile payment assembly; or, sending a request transaction information from the mobile payment assembly to a outside world. Depending on whether the mobile payment assembly is preset as active or passive. For the convenience of description, the present invention takes the mobile payment assembly as an example for illustration, but does not make a limitation.
于步骤（c）中，有二种可能的交易步骤，第一种可能的交易步骤为：（c1）移动外接式支付装置2接近于一外界的一营运端点服务器3，并使营运端点服务器3传送请求交易信息S1至外接式支付装置2，以执行一金融交易。于步骤（c1）后，执行步骤（d1）传送一同意信息自该行动支付总成至营运端点服务器3，则营运端点服务器3传送一交易信息I至该行动支付总成的行动电子装置1以及外接式支付装置2中的至少一者，其中，交易信息I包括一电子发票信息、交易物品明细以及交易日期明细中的至少一者；抑或者，传送一拒绝信息自该行动支付总成至营运端点服务器3，则该行动支付总成与营运端点服务器3之间终止交易。In step (c), there are two possible transaction steps. The first possible transaction step is: (c1) The mobile external payment device 2 approaches an external operation terminal server 3, and makes the operation terminal server 3 Send the request transaction information S1 to the external payment device 2 to execute a financial transaction. After step (c1), execute step (d1) to send a consent message from the mobile payment assembly to the operation terminal server 3, then the operation end point server 3 sends a transaction information I to the mobile electronic device 1 of the mobile payment assembly and At least one of the external payment devices 2, wherein the transaction information I includes at least one of electronic invoice information, transaction item details and transaction date details; or, a rejection message is sent from the mobile payment assembly to the operation terminal server 3, the transaction between the mobile payment assembly and the operating terminal server 3 is terminated.
第二种可能的交易步骤为：（c2）传送一请求交易信息S5自该行动支付总成至该外界的一远程交易认证单元，该远程交易认证单元可以是一金融交易平台7或者是具有另一密钥的硬件（图未示），以协助确认外接式支付装置2的拥有权，于此须特别说明者为，此为第三层的认证。于步骤（c2）后，执行步骤（d2）传送一储值信息自远程交易认证单元至该行动支付总成，以对外接式支付装置2储值；抑或，传送一拒储信息自远程交易认证单元至该行动支付总成，此种情形可能发生在账户余额不足时。The second possible transaction step is: (c2) Send a request transaction information S5 from the mobile payment assembly to a remote transaction authentication unit in the outside world. The remote transaction authentication unit can be a financial transaction platform 7 or has another The hardware of a key (not shown in the figure) is used to assist in confirming the ownership of the external payment device 2, and what needs to be specially explained here is the third layer of authentication. After step (c2), execute step (d2) to send a stored-value information from the remote transaction authentication unit to the mobile payment assembly to store value to the external payment device 2; or, send a stored-reject message from the remote transaction authentication Unit to the action payment assembly, this situation may occur when the account balance is insufficient.
接着，请参阅图8，其为本发明金融交易支付方法的另一方块流程图，并请合并参阅图1及图8。首先，执行步骤（a）提供一支付系统，该支付系统包括一行动支付总成以及一营运端点服务器3，该行动支付总成包括一行动电子装置1以及信号连接于该行动电子装置1的一外接式支付装置2。Next, please refer to FIG. 8 , which is another block flow chart of the financial transaction payment method of the present invention, and please refer to FIG. 1 and FIG. 8 together. Firstly, perform step (a) to provide a payment system, the payment system includes a mobile payment assembly and an operation terminal server 3, the mobile payment assembly includes a mobile electronic device 1 and a signal connected to the mobile electronic device 1 External payment device 2.
至于步骤（a1’）的详细步骤如下：（a1’）确认外接式支付装置2的一第零密钥单元配合于行动电子装置1的一第一密钥单元10；及/或，确认外接式支付装置2的一第零密钥单元（图未示）配合于外接式支付装置2的一芯片模块21的一第二密钥单元20，此为第一层认证；（a2’）确认行动电子装置1的第一密钥单元10配合于外接式支付装置2的第二密钥单元20，此为第二层认证。其中，第一密钥单元10以及第二密钥单元20有四种可能的设置：第一密钥单元10内建于行动电子装置1，且第二密钥单元20内建于外接式支付装置2的芯片模块21；抑或，第一密钥单元10内建于行动电子装置1，且第二密钥单元20自外界加载且被授予对应外接式支付装置2的芯片模块21；抑或，第一密钥单元10自外界加载且被授予对应行动电子装置1，且第二密钥单元20内建于外接式支付装置2的芯片模块21；抑或，第一密钥单元10自外界加载且被授予对应行动电子装置1，且第二密钥单元20自外界加载且被授予对应外接式支付装置2的芯片模块21。The detailed steps of step (a1') are as follows: (a1') Confirm that a zeroth key unit of the external payment device 2 is matched with a first key unit 10 of the mobile electronic device 1; and/or, confirm that the external payment device A zeroth key unit (not shown) of the payment device 2 cooperates with a second key unit 20 of a chip module 21 of the external payment device 2, which is the first layer of authentication; (a2') Confirm mobile electronic The first key unit 10 of the device 1 cooperates with the second key unit 20 of the external payment device 2, which is the second layer of authentication. Among them, the first key unit 10 and the second key unit 20 have four possible settings: the first key unit 10 is built in the mobile electronic device 1, and the second key unit 20 is built in an external payment device 2 chip module 21; or, the first key unit 10 is built in the mobile electronic device 1, and the second key unit 20 is loaded from the outside and assigned to the chip module 21 of the corresponding external payment device 2; or, the first The key unit 10 is loaded from the outside and granted to the corresponding mobile electronic device 1, and the second key unit 20 is built into the chip module 21 of the external payment device 2; or, the first key unit 10 is loaded from the outside and awarded Corresponding to the mobile electronic device 1 , and the second key unit 20 is loaded from the outside and awarded to the chip module 21 corresponding to the external payment device 2 .
步骤（a’）后，执行步骤（b’）。于步骤（b’）中，移动该外接式支付装置2接近于该营运端点服务器3，使该外接式支付装置2与营运端点服务器3之间相互执行信息传送及接收，以执行一金融交易。After step (a'), perform step (b'). In step (b'), the external payment device 2 is moved close to the operation terminal server 3, so that the external payment device 2 and the operation terminal server 3 perform information transmission and reception to execute a financial transaction.
于步骤（b’）中，包括下列步骤：（b1’）传送一请求交易信息S1自营运端点服务器3至该行动支付总成；抑或，自该行动支付总成传送一请求交易信息（图未示）至营运端点服务器3，视该行动支付总成为被动式或主动式，本发明以为前者情形作列举说明；接者，进行步骤（b2’）传送一同意信息自该行动支付总成至营运端点服务器3，则营运端点服务器3传送交易信息I至该行动支付总成；抑或，传送一拒绝信息自该行动支付总成至营运端点服务器3，则终止交易。In step (b'), the following steps are included: (b1') Sending a request transaction information S1 from the operation terminal server 3 to the mobile payment assembly; or, sending a request transaction information from the mobile payment assembly (not shown in the figure Shown) to the operation terminal server 3, depending on whether the mobile payment assembly is passive or active, the present invention considers the former case as an example; then, proceed to step (b2') to transmit a consent message from the mobile payment assembly to the operation terminal Server 3, then the operation end point server 3 sends transaction information I to the mobile payment assembly; or, sends a rejection message from the mobile payment assembly to the operation end point server 3, then terminates the transaction.
接者，于步骤（c’）中，传送一交易信息I自营运端点服务器3至该行动支付总成，且交易信息I可储存于该行动支付总成的行动电子装置1以及外接式支付装置2中的至少一者。其中，交易信息I包括电子发票信息、交易物品明细以及交易日期明细中的至少一者。藉此设置，发票信息即可储存于消费者的手机内，省却了消费者需再特地收整纸本发票的麻烦。Next, in step (c'), send a transaction information I from the operation terminal server 3 to the mobile payment assembly, and the transaction information I can be stored in the mobile electronic device 1 and the external payment device of the mobile payment assembly At least one of 2. Wherein, the transaction information I includes at least one of electronic invoice information, transaction item details and transaction date details. With this setting, the invoice information can be stored in the consumer's mobile phone, which saves the consumer the trouble of collecting paper invoices.
于步骤（c’）后，更包括步骤（d’）以及（e’）。步骤（d’）传送一请求交易信息S5自该行动支付总成至一远程交易认证单元（图未示）。步骤（e’）传送一储值信息自该远程交易认证单元233至该行动支付总成；抑或，传送一拒储信息自该远程交易认证单元至该行动支付总成。After step (c'), further include steps (d') and (e'). Step (d') transmits a transaction request message S5 from the mobile payment assembly to a remote transaction authentication unit (not shown). Step (e') sending a stored-value message from the remote transaction authentication unit 233 to the mobile payment assembly; or, sending a storage refusal message from the remote transaction authentication unit to the mobile payment assembly.
综上所述，本发明所揭露的行动支付总成，是由外接式支付装置以及一行动电子装置所组成，由于外接式支付装置本身已具备近场无线通信的功能，故行动电子装置本身就毋须具备近场无线通信的功能，因此外接式支付装置可应用于各式智能型手机，换句话说，使用者可以继续使用原有的手机但升级成为有近场无线通信的功能。进一步而言，只要携带本发明的行动支付总成，就不必再携带实体钱包。此外，藉由外接式支付装置以及行动电子装置之间的密钥配对认证，强化了经由无线的身份认证与识别的功能，提高交易时的安全与不可否认性，进一步保障无线通信用户与网络服务系统的信息服务或金融交易服务者双方的交易行为。并且此认证程序属开放系统，更易推广。To sum up, the mobile payment assembly disclosed in the present invention is composed of an external payment device and a mobile electronic device. Since the external payment device itself has the function of near-field wireless communication, the mobile electronic device itself is It is not necessary to have the function of near-field wireless communication, so the external payment device can be applied to various smart phones. In other words, the user can continue to use the original mobile phone but upgrade it to have the function of near-field wireless communication. Furthermore, as long as the mobile payment assembly of the present invention is carried, there is no need to carry a physical wallet. In addition, through the key pairing authentication between the external payment device and the mobile electronic device, the function of wireless identity authentication and identification is strengthened, the security and non-repudiation of transactions are improved, and wireless communication users and network services are further protected. Systematic information services or transaction behaviors between financial transaction service providers. And this certification program is an open system, which is easier to promote.
惟以上所述仅为本发明的较佳实施例，非意欲局限本发明的专利保护范围，故举凡运用本发明说明书及图式内容所为的等效变化，均同理皆包括于本发明的权利保护范围内，合予陈明。However, the above descriptions are only preferred embodiments of the present invention, and are not intended to limit the scope of patent protection of the present invention. Therefore, all equivalent changes made by using the description and drawings of the present invention are all included in the scope of the present invention. Within the scope of rights protection, I agree with Chen Ming.
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