TWI863005B

Movatterモバイル変換

Info

Publication number: TWI863005B
Application number: TW111139197A
Authority: TW
Inventors: 鄭孟仁
Original assignee: 爾尼卡科技股份有限公司
Priority date: 2022-10-17
Filing date: 2022-10-17
Publication date: 2024-11-21
Also published as: TW202418173A

Abstract

本發明係提供一種可轉換支付卡別之交易卡，其包含行動通訊設備及交易卡。行動通訊設備包括設定單元、交易卡儲存單元及驗證單元；交易卡包括處理單元、連結單元、驗證儲存單元與交易卡資料暫存單元；交易卡可連結行動通訊設備，並將行動通訊設備中多數交易卡資料之其中一交易卡資料暫存於交易卡中。如此，可於驗證後依據商家提供之優惠，自行於行動通訊設備選用不同之支付卡別，並將選定之卡別暫存於交易卡，以取代原本交易卡中所暫存之卡別進行交易，而達到提升使用時之便利性及安全性。The present invention provides a transaction card that can convert payment card types, which includes a mobile communication device and a transaction card. The mobile communication device includes a setting unit, a transaction card storage unit and a verification unit; the transaction card includes a processing unit, a connection unit, a verification storage unit and a transaction card data temporary storage unit; the transaction card can be connected to the mobile communication device, and one of the transaction card data in the mobile communication device is temporarily stored in the transaction card. In this way, after verification, according to the discounts provided by the merchant, different payment card types can be selected in the mobile communication device, and the selected card type is temporarily stored in the transaction card to replace the card type temporarily stored in the original transaction card for transactions, thereby improving the convenience and security of use.

Description

Translated fromChinese

可轉換支付卡別之交易卡Transaction cards that can be converted into payment cards

本發明係關於一種可轉換支付卡別之交易卡，尤指一種可選用不同之支付卡別，藉以取代原卡別進行交易之可轉換支付卡別之交易卡。The present invention relates to a transaction card with a convertible payment card type, in particular, a transaction card with a convertible payment card type that allows a different payment card type to be selected to replace the original card type for transactions.

目前大多數消費者皆會以信用卡、優遊卡...等塑膠貨幣進行交易；然因各商家所搭配之發卡銀行不同，使得不同卡別之信用卡有不同之優惠。Currently, most consumers use plastic currencies such as credit cards, EasyCards, etc. to make transactions; however, because each merchant uses a different issuing bank, different types of credit cards have different benefits.

而為享有較佳之優惠，消費者通常需要攜帶所有實體信用卡，以因應不同之優惠選用不同之卡別進行交易，但因攜帶多數信用卡而導致有不易存放、帶錯卡別以及易遺失之情形發生。In order to enjoy better discounts, consumers usually need to carry all physical credit cards with them, so that they can choose different card types to make transactions according to different discounts. However, carrying multiple credit cards makes it difficult to store them, bring the wrong card type, and easily lose them.

因此，如何發明出一種可轉換支付卡別之交易卡，以使其可依據商家提供之優惠，選用不同之支付卡別，並將選定之卡別暫存於交易卡，以取代原本交易卡中所暫存之卡別進行交易，而達到提升使用時之便利性及安全性，藉以有效改善習用之缺失，將是本發明所欲積極揭露之處。Therefore, how to invent a transaction card that can convert payment card types, so that it can choose different payment card types according to the discounts provided by the merchant, and temporarily store the selected card type in the transaction card to replace the card type temporarily stored in the original transaction card for transactions, so as to improve the convenience and security of use, so as to effectively improve the shortcomings of usage, will be the positive disclosure of this invention.

有鑑於上述習知技術之缺憾，發明人有感其未臻於完善，遂竭其心智悉心研究克服，進而研發出一種可轉換支付卡別之交易卡，以期可依據商家提供之優惠，選用不同之支付卡別，並將選定之卡別暫存於交易卡，以取代原本交易卡中所暫存之卡別進行交易，而達到提升使用時之便利性及安全性的目的。In view of the above shortcomings of the prior art, the inventor felt that it was not perfect, so he devoted all his efforts to research and overcome them, and then developed a transaction card that can convert payment card types, so that different payment card types can be selected according to the discounts provided by the merchants, and the selected card type will be temporarily stored in the transaction card to replace the card type temporarily stored in the original transaction card for transactions, thereby achieving the purpose of improving the convenience and security of use.

為達上述目的及其他目的，本發明係提供一種可轉換支付卡別之交易卡，其包含有：一行動通訊設備以及一交易卡。該行動通訊設備至少包括有相互連接之一設定單元、一交易卡儲存單元及一驗證單元，該設定單元至少進行驗證碼、交易卡資料及持卡人之持卡人個人資料之設定，該交易卡儲存單元至少儲存驗證碼、多數交易卡資料及持卡人個人資料，該驗證單元至少依據驗證碼進行驗證；該交易卡連結該行動通訊設備，該交易卡至少包括有相互連接之一處理單元、一連結單元、一驗證儲存單元及一交易卡資料暫存單元，該處理單元至少作為該連結單元、該驗證儲存單元與該交易卡資料暫存單元之運算處理，該連結單元與該行動通訊設備進行連結並供電至該處理單元，該驗證儲存單元提供驗證碼至該行動通訊設備之交易卡儲存單元，並由該驗證單元進行驗證，該交易卡資料暫存單元儲存該交易卡儲存單元中之其中一交易卡資料。To achieve the above and other purposes, the present invention provides a transaction card that can be converted into a payment card, which includes: a mobile communication device and a transaction card. The mobile communication device at least includes a setting unit, a transaction card storage unit and a verification unit that are connected to each other. The setting unit at least performs the setting of the verification code, the transaction card data and the cardholder's personal data. The transaction card storage unit at least stores the verification code, most of the transaction card data and the cardholder's personal data. The verification unit at least performs verification based on the verification code; the transaction card is connected to the mobile communication device, and the transaction card at least includes a processing unit, a connection unit, and a connection unit that are connected to each other. The processing unit at least performs calculations for the connection unit, the verification storage unit and the transaction card data temporary storage unit. The connection unit is connected to the mobile communication device and supplies power to the processing unit. The verification storage unit provides a verification code to the transaction card storage unit of the mobile communication device, and the verification unit verifies the code. The transaction card data temporary storage unit stores one of the transaction card data in the transaction card storage unit.

上述之可轉換支付卡別之交易卡中，該行動通訊設備為智慧型手機，該設定單元、該交易卡儲存單元與該驗證單元為應用程式(APP)並儲存於該智慧型手機之記憶體，且由該智慧型手機之處理器加以執行作動。In the above-mentioned transaction card that can be converted into a payment card, the mobile communication device is a smart phone, the setting unit, the transaction card storage unit and the verification unit are applications (APP) and are stored in the memory of the smart phone, and are executed by the processor of the smart phone.

上述之可轉換支付卡別之交易卡中，該行動通訊設備為智慧型手機，該設定單元、該交易卡儲存單元與該驗證單元為外接式設備，並以有線或無線方式連接至該智慧型手機之處理器。In the above-mentioned transaction card that can be converted into a payment card, the mobile communication device is a smart phone, the setting unit, the transaction card storage unit and the verification unit are external devices and are connected to the processor of the smart phone in a wired or wireless manner.

上述之可轉換支付卡別之交易卡中，該交易卡儲存單元設有一驗證碼儲存模組、一交易卡資料儲存模組及一持卡人個人資料儲存模組，該驗證碼儲存模組儲存驗證碼，該交易卡資料儲存模組多數交易卡資料，該持卡人個人資料儲存模組儲存持卡人個人資料。In the above-mentioned transaction card that can be converted into a payment card, the transaction card storage unit is provided with a verification code storage module, a transaction card data storage module and a cardholder personal data storage module. The verification code storage module stores the verification code, the transaction card data storage module stores the transaction card data, and the cardholder personal data storage module stores the cardholder personal data.

上述之可轉換支付卡別之交易卡中，該連結單元與該行動通訊設備以射頻天線、進距離無線通訊(NFC)、或藍芽協定進行無線連結。In the above-mentioned transaction card that can be converted into a payment card type, the link unit and the mobile communication device are wirelessly connected using a radio frequency antenna, near field communication (NFC), or Bluetooth protocol.

上述之可轉換支付卡別之交易卡中，該驗證儲存單元為永久記憶體，該交易卡資料暫存單元為快閃記憶體。In the above-mentioned convertible payment card type transaction card, the verification storage unit is a permanent memory, and the transaction card data temporary storage unit is a flash memory.

上述之可轉換支付卡別之交易卡中，該處理單元為中央處理器、積體電路晶片或邏輯電路。In the above-mentioned transaction card that can be converted into a payment card, the processing unit is a central processing unit, an integrated circuit chip or a logic circuit.

上述之可轉換支付卡別之交易卡中，該交易卡更包括有一顯示單元，其電連接該處理單元，該顯示單元進行交易使用時之提示，該顯示單元為螢幕、發光體或其組合。In the above-mentioned transaction card that can be converted into a payment card, the transaction card further includes a display unit that is electrically connected to the processing unit. The display unit provides prompts when the transaction is used. The display unit is a screen, a light-emitting body, or a combination thereof.

上述之可轉換支付卡別之交易卡中，該交易卡更包括有一儲電單元，其電連接該處理單元，該儲電單元接收並儲存該連結單元之電力，以供應電力至該處理單元、該驗證儲存單元與該交易卡資料暫存單元。In the above-mentioned transaction card that can be converted into a payment card, the transaction card further includes a power storage unit that is electrically connected to the processing unit. The power storage unit receives and stores the power of the connection unit to supply power to the processing unit, the verification storage unit and the transaction card data temporary storage unit.

上述之可轉換支付卡別之交易卡中，該交易卡更包括有一指紋接收單元，其電連接該處理單元，該驗證儲存單元中進一步儲存有持卡人指紋資料，該指紋接收單元接收指紋後與該驗證儲存單元中之持卡人指紋資料進行驗證。In the above-mentioned transaction card that can be converted into a payment card, the transaction card further includes a fingerprint receiving unit, which is electrically connected to the processing unit. The verification storage unit further stores the cardholder's fingerprint data. After receiving the fingerprint, the fingerprint receiving unit verifies it with the cardholder's fingerprint data in the verification storage unit.

藉此，本發明之可轉換支付卡別之交易卡，可於驗證後依據商家提供之優惠，自行於行動通訊設備選用不同之支付卡別，並將選定之卡別暫存於交易卡，以取代原本交易卡中所暫存之卡別進行交易，而達到提升使用時之便利性及安全性的目的。Thus, the transaction card of the present invention that can convert payment card types can be used to select different payment card types on the mobile communication device according to the discounts provided by the merchant after verification, and the selected card type will be temporarily stored in the transaction card to replace the card type temporarily stored in the original transaction card for transactions, thereby achieving the purpose of improving the convenience and security of use.

1:行動通訊設備1: Mobile communication equipment

11:設定單元11: Setting unit

12:交易卡儲存單元12: Transaction card storage unit

121:驗證碼儲存模組121: Verification code storage module

122:交易卡資料儲存模組122: Trading card data storage module

123:持卡人個人資料儲存模組123: Cardholder personal information storage module

13:驗證單元13: Verification unit

2:交易卡2: Trading Cards

21:處理單元21: Processing unit

22:連結單元22: Connection unit

23:驗證儲存單元23: Verify storage unit

24:交易卡資料暫存單元24: Transaction card data temporary storage unit

25:顯示單元25: Display unit

26:指紋接收單元26: Fingerprint receiving unit

27:儲電單元27: Power storage unit

[圖1]係本發明第一實施例之外觀示意圖。[Figure 1] is a schematic diagram of the appearance of the first embodiment of the present invention.

[圖2]係本發明第一實施例之方塊示意圖。[Figure 2] is a block diagram of the first embodiment of the present invention.

[圖3]係本發明第二實施例之外觀示意圖。[Figure 3] is a schematic diagram of the appearance of the second embodiment of the present invention.

[圖4]係本發明第二實施例之方塊示意圖。[Figure 4] is a block diagram of the second embodiment of the present invention.

為充分瞭解本發明之目的、特徵及功效，茲藉由下述具體之實施例，並配合所附之圖式，對本發明做一詳細說明，說明如後：In order to fully understand the purpose, features and effects of the present invention, the present invention is described in detail through the following specific embodiments and the attached drawings, as follows:

請參閱圖1及圖2，如圖所示：本發明係一種可轉換支付卡別之交易卡，其包含有一行動通訊設備1以及一交易卡2。Please refer to Figures 1 and 2, as shown in the figures: The present invention is a transaction card that can be converted into a payment card type, which includes amobile communication device 1 and atransaction card 2.

該行動通訊設備1至少包括有相互連接之一設定單元11、一交易卡儲存單元12及一驗證單元13，該設定單元11至少進行驗證碼、交易卡資料及持卡人之持卡人個人資料之設定，該交易卡儲存單元12至少儲存驗證碼、多數交易卡資料及持卡人個人資料，該驗證單元13至少依據驗證碼進行驗證。Themobile communication device 1 at least includes asetting unit 11, a transactioncard storage unit 12 and averification unit 13 which are connected to each other. Thesetting unit 11 at least sets the verification code, transaction card data and the cardholder's personal data. The transactioncard storage unit 12 at least stores the verification code, most transaction card data and the cardholder's personal data. Theverification unit 13 at least performs verification based on the verification code.

該交易卡2連結該行動通訊設備1，該交易卡2至少包括有相互連接之一處理單元21、一連結單元22、一驗證儲存單元23及一交易卡資料暫存單元24，該處理單元21至少作為該連結單元22、該驗證儲存單元23與該交易卡資料暫存單元24之運算處理，該處理單元21可為中央處理器、積體電路晶片或邏輯電路，藉以使該處理單元21作為交易時之運算處理、以及至少作為該連結單元22、該驗證儲存單元23與該交易卡資料暫存單元24運作時之運算處理，該連結單元22與該行動通訊設備1進行連結並供電至該處理單元21，該驗證儲存單元23提供驗證碼至該行動通訊設備1之交易卡儲存單元12，並由該驗證單元13進行驗證，該交易卡資料暫存單元24儲存該交易卡儲存單元中12之其中一交易卡資料。Thetransaction card 2 is connected to themobile communication device 1. Thetransaction card 2 at least includes aprocessing unit 21, aconnection unit 22, averification storage unit 23 and a transaction card datatemporary storage unit 24 which are connected to each other. Theprocessing unit 21 at least performs calculation processing for theconnection unit 22, theverification storage unit 23 and the transaction card datatemporary storage unit 24. Theprocessing unit 21 can be a central processing unit, an integrated circuit chip or a logic circuit, so that theprocessing unit 21 can be used as a calculation processor during the transaction. Theprocessing unit 21 is used for processing and at least as the calculation processing when theconnection unit 22, theverification storage unit 23 and the transaction card datatemporary storage unit 24 are in operation. Theconnection unit 22 is connected to themobile communication device 1 and supplies power to theprocessing unit 21. Theverification storage unit 23 provides a verification code to the transactioncard storage unit 12 of themobile communication device 1, and theverification unit 13 verifies it. The transaction card datatemporary storage unit 24 stores one of the transaction card data in the transactioncard storage unit 12.

當本發明使用時，可使該連結單元22讀取來自該行動通訊設備1之電磁波，以感應生成所需之電力提供至該處理單元21、該連結單元22、該驗證儲存單元23與該交易卡資料暫存單元24，之後進行該行動通訊設備1與該交易卡2間之相關設定，例如：以該設定單元11依據持卡人之個人資料、支付資訊、交易資料、不同交易卡類別資料...等進行設定，並由該行動通訊設備1產生驗證碼儲存於該交易卡2之驗證儲存單元23，或由該交易卡2之驗證儲存單元23將驗證碼傳輸並儲存至該行動通訊設備1之交易卡儲存單元12，以使該行動通訊設備1之交易卡儲存單元12、以及該交易卡2之驗證儲存單元23同時具有相同之驗證碼，進而讓該行動通訊設備1與該交易卡2以該驗證碼進行配對，藉以將該行動通訊設備1綁定該交易卡2，讓該行動通訊設備1僅能與該交易卡2進行資料傳輸溝通。When the present invention is used, theconnection unit 22 can read the electromagnetic wave from themobile communication device 1 to generate the required power to provide it to theprocessing unit 21, theconnection unit 22, theverification storage unit 23 and the transaction card datatemporary storage unit 24, and then perform the relevant settings between themobile communication device 1 and thetransaction card 2, for example: the settingunit 11 performs settings based on the cardholder's personal information, payment information, transaction data, different transaction card category data, etc., and themobile communication device 1 generates a verification code and stores it in the Theverification storage unit 23 of thetransaction card 2, or theverification storage unit 23 of thetransaction card 2 transmits and stores the verification code to the transactioncard storage unit 12 of themobile communication device 1, so that the transactioncard storage unit 12 of themobile communication device 1 and theverification storage unit 23 of thetransaction card 2 have the same verification code at the same time, and then themobile communication device 1 and thetransaction card 2 are matched with the verification code, so as to bind themobile communication device 1 to thetransaction card 2, so that themobile communication device 1 can only communicate with thetransaction card 2 through data transmission.

當本發明進行交易時，持卡人可依據商家所提供之優惠，於該行動通訊設備1之交易卡儲存單元12中選擇所需之交易卡資料，之後以該交易卡2靠近該行動通訊設備1進行連結，使該交易卡2之連結單元22讀取來自該行動通訊設備1之電磁波，以感應生成所需之電力，藉以於獲取外部電力後啟動該處理單元21，使該處理單元21將該驗證儲存單元23中之驗證碼傳輸至該行動通訊設備1之驗證單元13，藉以由該驗證單元13依據該交易卡儲存單元12中原先設定之驗證碼行解碼並認證，待認證後則將該行動通訊設備1中目前選擇所需之交易卡資料進行編碼後傳輸至該交易卡2之交易卡資料暫存單元24，藉以由該行動通訊設備1中目前選擇所需之交易卡資料取代原本暫存於該交易卡資料暫存單元24中之交易卡別，讓該交易卡2以目前選定之交易卡別進行交易，以轉換欲進行支付之卡片類別，而達到提升使用時之便利性及安全性。When the present invention is used for a transaction, the cardholder can select the required transaction card data in the transactioncard storage unit 12 of themobile communication device 1 according to the discount offered by the merchant, and then place thetransaction card 2 close to themobile communication device 1 for connection, so that theconnection unit 22 of thetransaction card 2 reads the electromagnetic wave from themobile communication device 1 to generate the required power, and then activates theprocessing unit 21 after obtaining the external power, so that theprocessing unit 21 transmits the verification code in theverification storage unit 23 to theverification unit 13 of themobile communication device 1, so that theverification unit 13 of themobile communication device 1 can receive the verification code.Unit 13 decodes and authenticates the verification code originally set in the transactioncard storage unit 12. After authentication, the transaction card data currently selected in themobile communication device 1 is encoded and transmitted to the transaction card datatemporary storage unit 24 of thetransaction card 2, so that the transaction card type originally temporarily stored in the transaction card datatemporary storage unit 24 is replaced by the transaction card data currently selected in themobile communication device 1, so that thetransaction card 2 can conduct transactions with the currently selected transaction card type, so as to change the card type to be paid, thereby improving the convenience and safety of use.

如上所述，當實際運用時，持卡人不需攜帶多張交易卡，僅需攜帶一行動通訊設備1以及一張交易卡2即可，由於該行動通訊設備1之交易卡儲存單元12以事先設定並儲存有不同銀行或相同銀行所發行之多數交易卡資料；當依據商家提供之優惠選用不同之交易卡時，則先於該行動通訊設備1進行交易卡類別之選擇後，將該行動通訊設備1中所選之交易卡資料儲存至該交易卡2，使該交易卡2轉換成該行動通訊設備1中所選擇之交易卡類別，再直接由轉換卡別後之該交易卡2進行交易。如此，可讓持卡人自行於該行動通訊設備1選用不同之支付卡別，並將選定之卡別暫存於該交易卡2，以取代原本該交易卡2中所暫存之卡別進行交易，而達到提升使用時之便利性及安全性的目的。As described above, when actually used, the cardholder does not need to carry multiple transaction cards, but only needs to carry amobile communication device 1 and atransaction card 2. Since the transactioncard storage unit 12 of themobile communication device 1 is pre-set and stores multiple transaction card data issued by different banks or the same bank; when different transaction cards are selected according to the discounts provided by the merchant, the transaction card type is selected on themobile communication device 1 first, and then the transaction card data selected in themobile communication device 1 is stored in thetransaction card 2, so that thetransaction card 2 is converted to the transaction card type selected in themobile communication device 1, and then the transaction is directly carried out by thetransaction card 2 after the card type is converted. In this way, the cardholder can select different payment cards on themobile communication device 1 and temporarily store the selected card in thetransaction card 2 to replace the card originally temporarily stored in thetransaction card 2 for transactions, thereby achieving the purpose of improving the convenience and security of use.

除上述實施例之外，於本發明之一實施例中，該行動通訊設備1為智慧型手機，該設定單元11、該交易卡儲存單元12與該驗證單元13為應用程式(APP)並儲存於該智慧型手機之記憶體，且由該智慧型手機之處理器加以執行作動。另外，該行動通訊設備為智慧型手機，該設定單元11、該交易卡儲存單元12與該驗證單元13為外接式設備，並以有線或無線方式連接至該智慧型手機之處理器(圖未示)。如此，可因應不同之使用需求，以內建或外掛之方式搭配該行動通訊設備1進行使用，以使本發明能更符合實際運用之需求。In addition to the above embodiments, in one embodiment of the present invention, themobile communication device 1 is a smart phone, the settingunit 11, the transactioncard storage unit 12 and theverification unit 13 are applications (APP) and are stored in the memory of the smart phone, and are executed by the processor of the smart phone. In addition, the mobile communication device is a smart phone, the settingunit 11, the transactioncard storage unit 12 and theverification unit 13 are external devices, and are connected to the processor of the smart phone in a wired or wireless manner (not shown). In this way, themobile communication device 1 can be used in a built-in or external manner according to different usage requirements, so that the present invention can better meet the needs of actual application.

除上述實施例之外，於本發明之一實施例中，該交易卡儲存單元12設有一驗證碼儲存模組121、一交易卡資料儲存模組122及一持卡人個人資料儲存模組123，該驗證碼儲存模組121儲存驗證碼，該交易卡資料儲存模組122多數交易卡資料，該持卡人個人資料儲存模組123儲存持卡人個人資料。如此，可將驗證碼、多數交易卡資料以及持卡人個人資料分類儲存，除易於進行資料館利之外，更可避免產生資安問題。In addition to the above-mentioned embodiments, in one embodiment of the present invention, the transactioncard storage unit 12 is provided with a verificationcode storage module 121, a transaction carddata storage module 122 and a cardholder personaldata storage module 123. The verificationcode storage module 121 stores the verification code, the transaction carddata storage module 122 stores the transaction card data, and the cardholder personaldata storage module 123 stores the cardholder personal data. In this way, the verification code, the transaction card data and the cardholder personal data can be classified and stored, which is not only easy to use the data, but also can avoid the occurrence of information security problems.

除上述實施例之外，於本發明之一實施例中，該連結單元22與該行動通訊設備1可以射頻天線、進距離無線通訊(NFC)、或藍芽協定進行無線連結。如此，可因應不同之使用需求或方式進行連結，並維持該連結單元22與該行動通訊設備1連結時之穩定性。In addition to the above embodiments, in one embodiment of the present invention, theconnection unit 22 and themobile communication device 1 can be wirelessly connected via a radio frequency antenna, near field communication (NFC), or Bluetooth protocol. In this way, the connection can be made according to different usage requirements or methods, and the stability of the connection between theconnection unit 22 and themobile communication device 1 can be maintained.

除上述實施例之外，於本發明之一實施例中，該驗證儲存單元23為永久記憶體，可使該驗證儲存單元23不易遭受竄改，以為護資訊安全。另外，該交易卡資料暫存單元24為快閃記憶體，以達到使用時之便利性。In addition to the above-mentioned embodiments, in one embodiment of the present invention, theverification storage unit 23 is a permanent memory, which can make theverification storage unit 23 less susceptible to tampering to protect information security. In addition, the transaction card datatemporary storage unit 24 is a flash memory to achieve convenience during use.

請參閱圖3及圖4，如圖所示：除上述實施例之外，於本發明之一實施例中，該交易卡更包括有一顯示單元25，其電連接該處理單元21，該顯示單元25可作為進行交易使用時之提示，而該顯示單元25可為螢幕、發光體或其組合。Please refer to Figures 3 and 4, as shown in the figures: In addition to the above-mentioned embodiments, in one embodiment of the present invention, the transaction card further includes adisplay unit 25, which is electrically connected to theprocessing unit 21. Thedisplay unit 25 can be used as a prompt when conducting transactions, and thedisplay unit 25 can be a screen, a light-emitting body or a combination thereof.

基於上述之實施例，當該交易卡2於設定時，可由該連結單元22讀取來自該行動通訊設備1之電磁波進行供電，並同時由該處理單元21驅動該顯示單元25輸出確認之訊息或輸出交易訊息(例如：文字訊息、數字訊息、燈號訊息或其組合)，以增加提示效果告知持卡人相關之消費訊息，而達到提升使用時之安全性及便利性。Based on the above embodiment, when thetransaction card 2 is set, theconnection unit 22 can read the electromagnetic waves from themobile communication device 1 to supply power, and at the same time, theprocessing unit 21 drives thedisplay unit 25 to output a confirmation message or a transaction message (for example, a text message, a digital message, a light message or a combination thereof) to increase the reminder effect and inform the cardholder of the relevant consumption information, thereby improving the safety and convenience during use.

且當本發明進行交易時，持卡人可以該交易卡2靠近一支付設備(圖未示)，使該連結單元22讀取來自支付設備之電磁波，以感應生成所需之電力，藉以於獲取外部電力後，啟動該處理單元21進行交易，並由該處理單元21驅動該顯示單元25輸出確認之訊息，以告知持卡人此筆交易正在處理中或已處理完成。如此，可由該交易卡2與該支付設備連結以取得電力，且由該顯示單元25輸出交易訊息，而達到提升使用時之安全性及便利性。When the present invention is conducting a transaction, the cardholder can bring thetransaction card 2 close to a payment device (not shown) so that theconnection unit 22 reads the electromagnetic waves from the payment device to generate the required power by induction, so as to activate theprocessing unit 21 to conduct the transaction after obtaining external power, and theprocessing unit 21 drives thedisplay unit 25 to output a confirmation message to inform the cardholder that the transaction is being processed or has been completed. In this way, thetransaction card 2 can be connected to the payment device to obtain power, and thedisplay unit 25 can output the transaction information, thereby improving the safety and convenience during use.

而當該交易結束移開該交易卡2時，該連結單元22便因無法讀取來自該支付設備之電磁波而產生斷電，因此不再供電至該處理單元21，進而使該處理單元21呈現關閉狀態，使得該顯示單元25不再輸出任何交易訊息，以提醒持卡人此筆交易結束且卡片處於未使用狀態。When the transaction is completed and thetransaction card 2 is removed, theconnection unit 22 is powered off because it cannot read the electromagnetic wave from the payment device, and thus no longer supplies power to theprocessing unit 21, thereby causing theprocessing unit 21 to be turned off, so that thedisplay unit 25 no longer outputs any transaction information to remind the cardholder that the transaction is completed and the card is not in use.

除上述實施例之外，於本發明之一實施例中，該交易卡更包括有一指紋接收單元26，其電連接該處理單元21，該驗證儲存單元23中進一步儲存有持卡人指紋資料，該指紋接收單元26接收指紋後與該驗證儲存單元中23之持卡人指紋資料進行驗證，並於驗證確認後執行上述該交易卡2之設定，或於該交易卡設定後進行交易，且設定於交易時皆可由該顯示單元25輸出交易訊息，而達到提升使用時之安全性及便利性。In addition to the above embodiments, in one embodiment of the present invention, the transaction card further includes afingerprint receiving unit 26, which is electrically connected to theprocessing unit 21. Theverification storage unit 23 further stores the cardholder's fingerprint data. After receiving the fingerprint, thefingerprint receiving unit 26 verifies the fingerprint with the cardholder's fingerprint data in theverification storage unit 23, and executes the above-mentioned setting of thetransaction card 2 after the verification is confirmed, or conducts transactions after the transaction card is set, and it is set that the transaction information can be output by thedisplay unit 25 during the transaction, so as to improve the security and convenience during use.

除上述實施例之外，於本發明之一實施例中，該交易卡更包括有一儲電單元27，其電連接該處理單元21，該儲電單元27接收並儲存該連結單元22之電力，藉以作為備用之電力，可於該連結單元22未取得電力時進行供電使用，以供應電力至該處理單元21、該驗證儲存單元23、該交易卡資料暫存單元24、該顯示單元25與該指紋接收單元26，以維持該交易卡2使用時之穩定性。In addition to the above embodiments, in one embodiment of the present invention, the transaction card further includes apower storage unit 27, which is electrically connected to theprocessing unit 21. Thepower storage unit 27 receives and stores the power of theconnection unit 22 as a backup power. When theconnection unit 22 does not obtain power, it can supply power to theprocessing unit 21, theverification storage unit 23, the transaction card datatemporary storage unit 24, thedisplay unit 25 and thefingerprint receiving unit 26 to maintain the stability of thetransaction card 2 when in use.

本發明在上文中已以較佳實施例揭露，然熟習本項技術者應理解的是，該實施例僅用於描繪本發明，而不應解讀為限制本發明之範圍。應注意的是，舉凡與該實施例等效之變化與置換，均應設為涵蓋於本發明之範疇內。因此，本發明之保護範圍當以申請專利範圍所界定者為準。The present invention has been disclosed in the above text with a preferred embodiment, but those familiar with the present technology should understand that the embodiment is only used to describe the present invention and should not be interpreted as limiting the scope of the present invention. It should be noted that all changes and substitutions equivalent to the embodiment should be included in the scope of the present invention. Therefore, the scope of protection of the present invention shall be based on the scope defined by the patent application.