TW497060B

TW497060B - Method and website system of centralized mobile financial transaction

Info

Publication number: TW497060B
Application number: TW90107785A
Authority: TW
Inventors: Huang-Shiuan Wang; Jiun-Lin Chen
Original assignee: Trade Information Corp E
Priority date: 2001-03-30
Filing date: 2001-03-30
Publication date: 2002-08-01

Abstract

The present invention provides a method and website system of centralized mobile financial transaction for enabling a user to use a wireless communication device to connect with a website system and perform financial transactions with a plurality of connected financial institutions via the website system. The method comprises: respectively storing the related data of the plurality of connected financial institutions; receiving a request from the user for connecting with a connected financial institution; providing a transaction function menu web-page to the user; receiving a transaction operating command from the user; utilizing a transaction gateway protocol to transmit the transaction operating command of the user to a corresponding connected financial institution, thereby establishing a dedicated link between the user and the financial institution; displaying a transaction result to the user; receiving and storing a self-established transaction function menu web-page provided by the connected financial institution; integrating the transaction function menu web-page and the self-established transaction function menu web-page into an integrated transaction function menu web-page which automatically generates a personalized financial institution menu based on each selection of the user; providing the user a function of editing the personalized financial institution menu; transmitting predetermined encryption technique to the wireless communication device of the user via an encryption wireless transmission layer, so that the wireless communication device utilizes the received encryption technique to scramble the personal identification number inputted by the user; and transforming the scrambled personal identification number received by the present website into another scrambled data via an encryption network layer for being incorporated with the transaction data and transmitted to the connected financial institution.

Description

497060 經濟部智慧財產局員工消費合社印製 A7 五、發明說明（【本發明之領域】本發明係關於一種金融交易之方、乃/无尤指一種適用於集中式行動金融交易之方法與網站系統。【本發明之背景】隨著行動通訊裝置與網路技術的日益進步，已經有越來越多的人利用行動通訊裝置，々σ ••行動電話，來連結至網路以獲得所需要的資訊。如何有效運用資訊科技，來協助企業提升競爭優勢，已成為企業在㈠寺代創造價值的主要關鍵，對於高度注重客戶服務品質的金融服務機構更是如此。金融服務機構推動資訊化首先面臨的挑戰，就是資訊科技本身的複雜性、及所費不貲的費用。在電子商務時代，金融服務業應用軟體因應全年無休的服務概念、及持續增加的負荷，需要不斷的因應需求而即時變動及調整: 系統的建置、維護與升級，對不是以資訊科技研發為核心業務的金融服務機構來說，並不是件易事。隨著網路與行動通訊技術不斷進步翻新，金融服務機構也將不斷面臨新的挑戰與衝擊，礙於相關技術人力與財力的投入需求龐大，非但中型金融機構難於負擔，即使是大型金融機構亦因非專業領域而耗費大量投資。如何協助金融服務機構，應用網路與行動通訊技術，提供各金融機構透過整合性網路，處理個別客戶的金融交易資訊，如：投資資机遞送（Information Deliver)、交易訊幸配送 (Transaction Dispatch)、交易認證與成交回報等功本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公爱） --------^--------- (請先閱讀背面之注意事項再填寫本頁) 497060 A7 五、發明說明（2 ) 能，使金融機構在可負擔成本的情況下，不會因新技術的衝擊，在競爭激烈的數位化世代中缺席士失，是現今行動金融交易上網 ^ 無線應用協定（WAP，Wireless Application Protocol)世界裡與現有的卜化^以世界有很多因子是完全不同的，如螢幕大小、運算儲存能力不如PC、無線傳兀輸頻寬不如有線、且費用無線遠高於有線等問題。因為無線傳輸有無線傳輸的特質，所以使用者族群與使用習慣均有極大的不同。在行動通訊模式當中，使用者要的是很精確絲速的資訊、以協助他們作即時的判斷或決策，並非長篇大論或像目前InternetJl，搜尋引擎或入口網站的操作方式；後端運算勢必加入許多強悍智慧型軟體與快速資料探勘技術，甚至内容呈現方式也將受限於營幕與使用者需求而有不同於Internet的表現方式，經營模式也將因技術與内容呈現方式的不同而有所變化。這些問題都是需要業者重新定位與思考的，並非單純的移植以往經驗模式，屆時投資者可經由不濟部智慧財產局員工消費合作社印製財服務。不门的通机工具迅速獲得理為確保客戶端在傳送與金融機構往來之個人Μ (Pm，PersonalIdentificati〇nNumbe中寺的安全 :二般均會使用加密技術來將客戶端所輸入的個人密碼碼化。在透過無線傳輸設備（以手交易時，為了達到上述目的，過去 m饤金融 L—___ 专所使用的方法主要係利本紙張尺度適用中國國家標準（CNS)A4規格（21{);撕公€ 497060 五、發明說明（3) 用手機内之用戶識別卡（SubscriberIdentityM〇duie， sm)所存放之刚保護密鑰（piN pf。㈣_ 經過特定之加密演算法（如資料密碼編譯標準（π 對個”碼，IN予以“化。然而，此一方式在目前的’十 WAP又易知“兄中已無法沿用。主要的原因在於目前公的WAP規格以及依循該規格所製作的WAp手機，均援WAP應用程式直接讀取手機sm卡内的任何資訊，包括PIN保護密餘以及加密所需的演算法在内。發明人友因於此’本於積極發明之精神，亟思一種可 2解決上述問題之「―種財式行動金融交易之方法與網糸統」，幾經研究實驗終至完成此項嘉惠世人之發明。【本發明之概述】本發明之主要目的係在提供一種集令式行動金融交易之方法與網站系統’俾能提供個別金融機構一集中式行動金融交易平台’讓各金融機構得以透過與本發明之網站系 ’先門之專屬線路，提供其所屬客戶進行各不同金融機構間之交易服務。本發明之次要目的係在提供資料擷取技術，以允許各 -融機構自行設計其個人化網頁，再經由本發明之網站系用動態整合技術來結合各金融機構之個人化交易功能、早網頁與網站系統所提供之交易功能選單網頁，以提供客戶端一整合性畫面。準（CNS)A4 規格（210 X 297 公釐) 497060 A7 B7 五、發明說明（4 擇欲進行交易之金融機構，並自行 -客戶端自订選戶將不需透過繁複之申請程序^且入程序。因此客障私資枓並減低人力介入接觸個人 "貝科的㈣，減少因個人資料敏護成本，並提高個人高度私密性之之交㈣^之糸尤准本I明之另一次要目的係在解义訂 (二AP):機Γ…無法儲存個人密碼:護密:=演生的資料安全性問題，藉由手機或其他無線終 ‘又備自網站錢下載不重複之密鑰與演算法的方式，更可進-步地加強對於個人密碼等交易資訊的保護。為達成上述之目的，本發明之方法包含有：分別儲存該複數個已連結之金融機構之相關資料；接收該使用者欲連結某-已連結之金融機構之要求；提供一交易功能選單網頁給使用者；接收該使用者之—交易操作指令；利用一交易閘道協定將該使用者之該交易操作指令傳送至相對應之已連結之金融機構，以建立該使用者與該金融機構之間的專屬連線；顯示一交易結果給該使用者；透過加密無線傳輸層，將預定之加密保護技術傳送至該使用者之無線通訊裝置，該無線通訊裝置再利用接收到的加密保護技術將使用者所輸入的個人密碼予以亂碼化；以及透過加密網路層將本發明之網站系統所收到之亂碼化個人密碼再次轉換本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 497060 A7 五、發明說明（5 ) 成另一種亂碼化資料連結之金融機構。並配合該筆交易資料以傳送至已濟部智慧財產局員工消費由於本發明確有增進功效且具新賴性法申請發明專利。 / & 【圖式簡單說明】第1圖係本發明之網站系統的環境示意圖。第2圖係本發明之網站系統的系統架構圖。第3圖係本發明之方法的作動流程圖。第4圖係使用者進入本發明網站系統並進行金融交易之操作流程圖。 ^圖係本發明之網站系統所產生之交易功能選單網頁之貫施例顯示畫面的示意圖。第^圖係本發明之已連結金融機構所提供之自建交易功能選單網頁之實施例顯示畫面的示意圖。第7圖係本發明之整合網頁機制所產生之整合交易功能選單網頁之實施例顯示畫面的示意圖。第8圖係本發明之加密保護資料之傳輸示意圖。訂【圖號說明】 10 金融機構 12 個人數位助理 11 行動電話 15 使用者本紙張尺度適用t賴家標準（CNS)A4規格X 297公爱丁497060 Printed by A7, Employees ’Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. [Explanation of the Invention] [Field of the Invention] The invention relates to a party to a financial transaction, and / or in particular a method and method applicable to centralized mobile financial transactions. Website system. [Background of the invention] With the increasing progress of mobile communication devices and network technologies, more and more people have used mobile communication devices, 々σ • mobile phones, to connect to the Internet to obtain The information needed. How to effectively use information technology to assist companies to improve their competitive advantages has become the main key for companies to create value at Dai Temple, especially for financial service institutions that highly focus on customer service quality. Financial services institutions promote informationization The first challenge is the complexity of the information technology itself and the costly expenses. In the era of e-commerce, the application software of the financial services industry responds to the year-round service concept and the continuously increasing load, and needs to continuously respond to demand. Real-time changes and adjustments: system construction, maintenance and upgrade It is not easy for financial services institutions whose core business is information technology research and development. With the continuous improvement and renovation of Internet and mobile communication technologies, financial services institutions will continue to face new challenges and impacts, which will hinder related technologies. There is a huge demand for human and financial resources. Not only medium-sized financial institutions can't afford it, even large financial institutions consume large amounts of investment due to non-professional fields. How to assist financial service organizations by applying network and mobile communication technologies to provide integration by various financial institutions. Network to process individual customers' financial transaction information, such as: Information Deliver, Transaction Dispatch, transaction certification, and transaction returns, etc. Paper standards are applicable to China National Standard (CNS) A4 Specifications (210 X 297 public love) -------- ^ --------- (Please read the precautions on the back before filling this page) 497060 A7 V. Description of the invention (2) Yes, It is the current action for financial institutions to avoid the loss of people in the fiercely competitive digital generation due to the impact of new technologies at an affordable cost. Integrate transactions and access the Internet ^ The Wireless Application Protocol (WAP) world is different from the existing ones ^ There are many factors in the world that are completely different, such as screen size, computing storage capacity is not as good as PC, wireless transmission bandwidth is not as good as wired And the cost of wireless is much higher than wired and other issues. Because wireless transmission has the characteristics of wireless transmission, user groups and usage habits are greatly different. In mobile communication mode, users want very accurate silk speed information To help them make real-time judgments or decisions, it is not a long story or the operation method of search engines or portals like the current InternetJl; back-end computing is bound to add many powerful and intelligent software and rapid data exploration technology, and even the content presentation method will be affected Limited to the camp screen and user needs, there are different ways of expression from the Internet, and the business model will also change due to different technologies and content presentation methods. These issues need to be repositioned and rethought by the industry. They are not a simple transplant of past experience models. Investors can then print financial services through the Intellectual Property Agency of the Ministry of Economic Affairs and Consumer Affairs Co., Ltd. The omnipotent machine tools were quickly obtained in order to ensure the security of the client in transmitting personal M (Pm, PersonalIdentificatiónNumbe) to and from financial institutions: In both cases, encryption technology will be used to encrypt the personal password entered by the client. Through wireless transmission equipment (hand transactions, in order to achieve the above purpose, the method used in the past m 饤 financial L____ specialization is mainly based on the Chinese paper standard (CNS) A4 (21 {); Tear the public € 497060 V. Description of the invention (3) Use the newly-protected key (piN pf. ㈣_) stored in the subscriber identity card (SubscriberIdentityMdudu, sm) in the mobile phone. After a specific encryption algorithm (such as the data encryption standard ( π is a "code", and IN is changed. However, this method cannot be used in the current "ten WAPs". The main reason is the current public WAP specifications and the WAp mobile phones made in accordance with the specifications. , All help the WAP application to directly read any information in the mobile phone's sm card, including the PIN protection secret and the algorithm required for encryption. Because of this, the inventors and friends The spirit of positive invention is to think about a "Method and Network System of Financial Transactions of Financial Type Action" that can solve the above problems. After several research experiments, this invention that benefits the world is completed. [Summary of the invention] The main purpose of the present invention is to provide a centralized mobile financial transaction method and website system 'can provide individual financial institutions with a centralized mobile financial transaction platform' so that all financial institutions can get ahead through the website system of the present invention. The exclusive line provides its customers to conduct transactions between different financial institutions. The secondary purpose of the present invention is to provide data extraction technology to allow various financial institutions to design their own personalized web pages, and then use the The website uses dynamic integration technology to combine the personalized transaction functions of various financial institutions, the early page and the trading function menu page provided by the website system to provide a client-side integrated screen. Standard (CNS) A4 specification (210 X 297 companies) (%) 497060 A7 B7 V. Description of the invention (4 Select a financial institution that wants to trade, and the client-customer will choose Need to go through the complicated application process ^ and enter the process. Therefore, personal barriers to personal barriers and reduce human intervention to contact individuals " Beco's, reduce the cost of personal data protection, and increase the personal privacy of the high level of communication ^^ Another special purpose of this book is to explain the definition (second AP): machine Γ ... can not store personal password: security: = data security issues arising from mobile phones or other wireless terminals. The way of downloading non-repeating keys and algorithms from the website money can further strengthen the protection of transaction information such as personal passwords. In order to achieve the above purpose, the method of the present invention includes: storing the multiple Relevant information of the linked financial institution; receiving the user's request to link to a-linked financial institution; providing a trading function menu page to the user; receiving the user's-trading operation instruction; using a trading gateway agreement Send the user's transaction operation instruction to the corresponding connected financial institution to establish a dedicated connection between the user and the financial institution; display a transaction settlement To the user; transmitting the predetermined encryption protection technology to the user's wireless communication device through the encrypted wireless transmission layer, and the wireless communication device uses the received encryption protection technology to garble the personal password entered by the user ; And the garbled personal password received by the website system of the present invention is converted again through the encrypted network layer. This paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm) 497060 A7 V. Description of the invention (5 ) Into another garbled data link financial institution. And cooperate with the transaction information to transmit to the employees of the Intellectual Property Bureau of the Ministry of Economic Affairs. Consumers' expense Because the present invention does improve the efficacy and is a novelty law, it applies for an invention patent. / & [Schematic description] Figure 1 is a schematic diagram of the environment of the website system of the present invention. FIG. 2 is a system architecture diagram of the website system of the present invention. Figure 3 is a flow chart of the method of the present invention. Figure 4 is a flowchart of the operation of the user entering the website system of the present invention and conducting financial transactions. ^ The figure is a schematic diagram of the display screen of the embodiment of the transaction function menu page generated by the website system of the present invention. FIG. ^ Is a schematic diagram of an embodiment display screen of a menu page of a self-built transaction function provided by a connected financial institution according to the present invention. FIG. 7 is a schematic diagram of an embodiment display screen of an integrated transaction function menu webpage generated by the integrated webpage mechanism of the present invention. Figure 8 is a schematic diagram of the transmission of encrypted protection data of the present invention. Order [Illustration of drawing number] 10 Financial institutions 12 Personal digital assistants 11 Mobile phones 15 Users This paper size applies to Lai Jia Standard (CNS) A4 size X 297 male Eding

I 49/υου Α7 五、發明說明（6 ) 網路網站系統資料庫建立網頁機暫存機制建立個人化制選單機制無線通訊基地台網站伺服器無線應用協定閑道器交易建立連結機制整合網頁機制無線傳輸加密機制經濟部智慧財產局員工消費合作社印製【較佳具體實施例之詳細說明】本發明是提供-種集中式行動金融交易之方法糸統以透過電子行動通訊裝置，如：手機，來達到方便』 =金融咖式。為能m貴審查委員能更瞭解本每術内谷，特舉一較佳具體實施例說明如下。 ^請參考第1圖。第1圖係本發明之網站系統30的環: 架構圖。如第1圖所示，本實施例提供-網站系統3 〇，: 站系統30透過網路技術與複數個金融機構1〇產生連結網站系統3 0利用一無線通訊終端裝置透過無線應用通訊i 疋（Wireless Application Protocol，WAP)傳遞：訊。經傳經公眾交換電信網路（P S TN )、遠端存取伺月器（RAS， Remote Access Server )、路由； (Router )由無線通訊基地台21送出訊號。因此使用^ 1 5可利用一無線通訊設備（譬如行動電話n、個人數乂助理1 2 )接收無線訊號，而連結至網路2 5 ( n e t w 〇 r k ) 以選擇進入本發明之網站系統3 〇。以與網站系統3 〇之卡一已連結金融機構1 〇進行金融交易。本實施例之網路系矣I 49 / υου Α7 V. Description of the invention (6) Web site system database establishment Web page temporary storage mechanism establishment of personalized menu mechanism wireless communication base station website server wireless application protocol idler transaction establishment link mechanism integration webpage mechanism Wireless transmission encryption mechanism Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economics [Detailed description of the preferred embodiment] The present invention provides a method for centralized mobile financial transactions, which can be implemented through electronic mobile communication devices, such as mobile phones, Come for convenience ”= financial cafe style. In order that the review committee can better understand the intraoperative valley, a preferred specific embodiment is described below. ^ Please refer to Figure 1. FIG. 1 is a ring: architecture diagram of the website system 30 of the present invention. As shown in FIG. 1, the present embodiment provides a website system 3 0: The website system 30 generates a linked website system 30 through a network technology with a plurality of financial institutions 10, and uses a wireless communication terminal device to communicate through a wireless application i. (Wireless Application Protocol, WAP) delivery: message. It is reported that the public switched telecommunications network (PSTN), remote access server (RAS, Remote Access Server), and routing; (Router) are sent by the wireless communication base station 21. Therefore, using ^ 15 can use a wireless communication device (such as mobile phone n, personal data assistant 12) to receive wireless signals, and connect to the network 2 5 (netw rk) to choose to enter the web site system 3 of the present invention. . Use a card with the website system 30 to connect financial institutions 10 to conduct financial transactions. Network system of this embodiment

Μ--------^--------Λ (請先閱讀背面之注意事項再填寫本頁) 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297 I釐） 497060 ’其係連結至遠端經濟部智慧財產局消費合作社印製 A7 五、發明說明（7 ) 3 〇與方法即使用於一網站飼服器3〗内存取伺服器之區域網路（L a N )。請參考第2圖。第2圖係本發明之網站系統3〇的系統木構圖。網站系統3 〇包含有··一網站伺服器3 i，用來連結於網路25，· 一資料庫32，用來分別儲存該複數個已連結之金融機構1 〇之相關交易資料與使用者丨5之相關資料；一無線應用協定閘道器33(WAP Gateway)，用來建立網站伺服器3 1與使用者15之間的連結；一建立網頁機制34，用來針對不同的金融機構1〇建立一交易功能選單網頁以供使用者15選擇；以及一交易建立連結機制35 , 用來分別與複數個已連結之金融機構丨〇之交易閘道器產生一交易通訊協定（Transaction Gateway Protoc〇1)，以進入金融機構10之金融交易中心進行金融交易。另外，建立網頁機制34還包含有··一暫存機制％，用來分別儲存複數個已連結之金融機構丨〇所提供之一自建交易功能選單網頁；一整合網頁機制3 7，用來整合交易功能選單網頁與自建交易功能選單網頁之内容使成為:整合= 易功能選單網頁；以及一建立個人化選單機制以，用來根據每個使用者15每次所選擇之不同的已連結之金融機構乂 10產生一相對應之個人金融機構選單，並於使用者15進入網站系統30時自動顯示。另外，無線應用協定閘道器 33則另包含有一無線傳輸加密機制39，用來加密保護下載至使用者端之個人密碼保護密鑰或（與）加密演算法。本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297 |复） 497060 A7Μ -------- ^ -------- Λ (Please read the precautions on the back before filling this page) This paper size applies to China National Standard (CNS) A4 (210 X 297 I centimeters) ) 497060 'It is connected to the A7 printed by the Consumer Property Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs. 5. Description of the invention (7) 3 〇 and method Even if it is used in a web server 3, access the server's local network (L a N). Please refer to Figure 2. Fig. 2 is a system wooden diagram of the website system 30 of the present invention. The website system 3 〇 includes a website server 3 i for connecting to the network 25 and a database 32 for storing relevant transaction data and users of the plurality of linked financial institutions 10 respectively.丨 5 related information; a wireless application protocol gateway 33 (WAP Gateway), used to establish the connection between the web server 31 and the user 15; a web page mechanism 34, used to target different financial institutions1 〇 Establish a transaction function menu page for users 15 to choose; and a transaction establishment link mechanism 35 for generating a transaction protocol (Transaction Gateway Protoc) with the transaction gateways of a plurality of linked financial institutions 丨〇 1) To enter the financial transaction center of financial institution 10 for financial transactions. In addition, the establishment of a webpage mechanism 34 also includes a temporary storage mechanism% for storing one of the self-built transaction function menu pages provided by a plurality of linked financial institutions; an integrated webpage mechanism 37 for The content of the integrated trading function menu page and the self-built trading function menu page are made into: integration = easy function menu page; and a personalized menu mechanism to create a different linked link for each user 15 selection each time The financial institution 乂 10 generates a corresponding personal financial institution menu, which is automatically displayed when the user 15 enters the website system 30. In addition, the wireless application protocol gateway 33 also includes a wireless transmission encryption mechanism 39, which is used to encrypt and protect the personal password protection key or (and) encryption algorithm downloaded to the user terminal. This paper size applies to China National Standard (CNS) A4 (210 X 297 | Fu) 497060 A7

497060 A7497060 A7

------------_裝--- (請先閱讀背面之注意事項再填寫本頁) . A7------------_ Install --- (Please read the precautions on the back before filling this page). A7

JtJ/ 五、發明說明（1〇) 易功能選單網頁中由t:;登 > 胃α k父易員目’以對所挑選之金融機構味操作（如步驟411至步驟42〇)。最後，網站系統30 建立連結機制35將該筆以指令傳送至相對應之金融機構1 〇的金融交易中 6 乂约甲〜以凡成父易（見第4圖b之步驟421至步驟430)。經濟部智慧財產局員工消費合社印製請參考第5圖。第5圖係本發明交易功能選單網頁之實 ::例顯示晝面的示意圖。第6圖係本發明之已連結金融機 =所提，之自建交易功能選單網頁之實施例顯示晝面的 :思圖。第7圖係本發明之整合網頁機制η所產生之整合交易功能選單網頁之實施例顯示晝面的示意圖。為了解；個別金融機構在共同交易服務上之介面不一致容易對其所屬客戶造成操作與學習上的困擾，本發明m统士第5圖所不’本發明網站系統3〇之建立網頁機制^先建立包3有基本金融交易功能之共同交易功能選單網頁提供給所有已連結之金融機構10。接著，如第6圖所示，連線之金融機構10若已架設有自屬之網路伺服器以提供與本身業務相關之自建交易功能選單網頁時，本發明之網站系統3_〇利用整合網頁機制37將本發明之網站系統針對所有、 ^融機構所提供之交易功能網頁，整合於個別金融機構所自建交易功能選單網頁中’而呈現一整合交易功能 ^早、.罔’ W讓使用者15在操料享有-致性的 7圖所示。弟 _^得特別注意的是，已連結於網站系統3〇之金融施，本紙張尺度緒靴NS)A4祕⑽^^ A7 A7 經濟部智慧財產局員工消費合作社印製五、發明說明（Ί1 10可自仃在交易通訊協定中要求使用者Μ輸入帳戶號 :個人密碼等身份辨認資料，而不需將此類個人機密資 "、公開於網站系統3G。請參考第8 m圖係本發明 ”口密保護資料之傳輸示意圖。為確保個人密碼之傳送之 2王II ’本發明發展出一種適用於WAp交易環境之個人密碼加密保護技術，茲就其程序敘述如下：（1)使用者手機鳊透過w A P通訊協定連結上網站系統3 〇，選取肩提仏個人岔碼之交易項目。（2 )網站系統3 〇之伺服器 31收到要求後，利用無線傳輸加密機制3 9將加密所需的個人後碼保濩铪錄（p j N p r 〇 t e c t丨〇 η κ e 丫）以及加密 >貝异法’透過一加密無線傳輸層（Wtls，Wireless Ttanspcm Layer Security)，將其透過無線應用協定閘 iL器33以無線才示吕己s吾言（WML，Wireless Markup Language)網頁的方式，傳送至使用者15。而用以傳送個人密碼保護密鑰以及加密演算法的WML網頁，其主要之執行步驟如下： (a) 下載個人密碼保護密鑰(一般為128 bits) (b) 請使用者輸入個人密碼(PIN) (Ο呼叫快速加密演算法(SPEEDC)之WML Scripts進行加密 (d)將已加密之個人密碼傳回網站系統下例即為實際之WML網頁内容： <?xml version=V'1.0\M ?>JtJ / V. Description of the invention (10) In the easy-function menu web page, t:; D > Stomach α k is a member of the website ”to operate the selected financial institution (such as step 411 to step 42). Finally, the website system 30 establishes a link mechanism 35 and sends the order to the corresponding financial institution 10 in the financial transaction 6 乂 Joy ~ Yifanchengyiyi (see step 421 to step 430 in Figure 4b) . Printed by the Consumer Affairs Corporation of the Intellectual Property Agency of the Ministry of Economic Affairs, please refer to Figure 5. Fig. 5 is a schematic diagram showing an example of a day-to-day display of the transaction function menu webpage of the present invention. FIG. 6 is an embodiment of the linked financial machine according to the present invention. As mentioned, the embodiment of the self-built trading function menu webpage shows the daytime: thinking map. FIG. 7 is a schematic diagram showing an example of an integrated trading function menu webpage generated by the integrated webpage mechanism η of the present invention. In order to understand; the inconsistencies in the interface of individual financial institutions on the common transaction service are likely to cause operational and learning problems for their customers, the system of FIG. 5 of the present invention does not have the mechanism of establishing a web page of the website system of the present invention ^ The common transaction function menu page of the establishment package 3 with basic financial transaction functions is provided to all connected financial institutions 10. Next, as shown in FIG. 6, if the connected financial institution 10 has set up its own web server to provide a menu page for a self-built transaction function related to its own business, the website system 3_〇 of the present invention uses The integrated webpage mechanism 37 integrates the webpage system of the present invention with the transaction function webpages provided by all financial institutions in a self-built transaction function menu webpage of an individual financial institution to present an integrated transaction function ^ early,. 早 'W Let the user 15 enjoy the consistency of the material as shown in FIG. 7. Brother _ ^ must pay special attention to the financial system that has been linked to the website system 30, the paper size of the boots NS) A4 secret ^ ^ A7 A7 Printed by the Consumers ’Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. Description of the invention (Ί1 10 You can ask the user M to enter account number: personal password and other identification information in the transaction communication protocol without having to disclose such personal secrets " to the website system 3G. Please refer to Figure 8m for details. "Invention" schematic diagram of transmission of confidentially protected data. In order to ensure the transmission of personal passwords, the two kings II 'The present invention develops a personal password encryption protection technology suitable for WAp trading environments, and its procedures are described as follows: (1) User The mobile phone is connected to the website system 3 through the w AP protocol, and selects the transaction item that carries the personal fork code. (2) After receiving the request, the server 31 of the website system 3 uses the wireless transmission encryption mechanism 39 to encrypt it. Required personal postcode security records (pj N pr 〇tect 丨〇η κ e ya) and encryption > Bayer's method through an encrypted wireless transmission layer (Wtls, Wireless Ttanspcm Layer Security) It is transmitted to the user 15 through the wireless application protocol gateway iL device 33 in the form of wireless markup (WML, Wireless Markup Language) web page, and is used to transmit the personal password protection key and the encryption algorithm. WML web pages, the main implementation steps are as follows: (a) download personal password protection key (usually 128 bits) (b) ask the user to enter a personal password (PIN) (0 call the WML Scripts of the fast encryption algorithm (SPEEDC) Encrypt (d) Return the encrypted personal password to the website system The following example is the actual WML web page content: <? Xml version = V'1.0 \ M? &Gt;

<!DOCTYPE wml PUBLIC W/WAPFORUM//DTD WML 本紙張尺度適用中國國家標準（CNS)A4規格（210 x 297 β釐） C請先閲讀背面之注意事項再填寫本頁)<! DOCTYPE wml PUBLIC W / WAPFORUM // DTD WML This paper size applies to China National Standard (CNS) A4 (210 x 297 β centimeters) C. Please read the precautions on the back before filling this page)

497060 經濟部智慧財產局員工消費合作社印製 A7 ____B7 _五、發明說明（12) 1. l//EN\’’\Mhttp://www.wapforum.org/DTD/wml_l · 1 .xml\’’> <wml><head><metahttp-equiv=\’’Cache-Control\” content=\”no-cache\’7></head> <template><do type=\l,prev\"><prev/></do></template> 〈card id=V’logincard\n title=\’’gj\’’> //下載個人密碼保護密鑰〈onevent type=’’onenterforward"><go href=,,http://l 27.0.0. l/servlets/hiwap.testl#testall()7></onevent> //請使用者輸入個人密碼(PIN) <input format=\M*N\" name=\"ct\" title=\"fgh\n /> //呼叫快速加密演算法(SPEEDC)之WML Scripts進行加密 <ahref=’’t.wmls#speed一 encrypt_rk()’’>speed</a> <anchor>gg<go href=\Mshowytorder.asp\M> <postfield name=\Mprice\M value=\M$(a:NOESC)\7></go></anchor> </p></card></wml> 前述之PIN Protection Key乃是利用多樣化(0丨¥618丨衍。3“011)原理所計算得出，因此可依眚焉除的需要隨時變更或在一定的週期内變更，例如每次交# 穷文新、每天、每週、每月更新或視實際需要不定期更新。而力υ密演算法（如SPEEDC(快速加密演算法）或DES)則以手機可直接執行的形式提供，例如WML scripts 加密演算法亦可依實際需要隨時變更或在一定週期0 ^ 更，例如每次交易更新、每天、每週、每月更新咬视…_ 需要不定期更新。如下例所示即為SPEEDC演算法 ^ 而此之 (請先閱讀背面之注意事項再填寫本頁} 裝497060 Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 ____B7 _V. Description of Invention (12) 1. l // EN \ '' \ Mhttp: //www.wapforum.org/DTD/wml_l · 1.xml \ ' '> < wml > < head > < metahttp-equiv = \' 'Cache-Control \ ”content = \” no-cache \' 7 > < / head > < template > < do type = \ l, prev \ " > < prev / > < / do > < / template > 〈card id = V'logincard \ n title = \ '' gj \ '' > // Download personal password Protection key <onevent type = `` onenterforward " > < go href = ,, http: // l 27.0.0. L / servlets / hiwap.testl # testall () 7 > < / onevent > // Please The user enters a personal password (PIN) < input format = \ M * N \ " name = \ " ct \ " title = \ " fgh \ n / > // Call the fast encryption algorithm (SPEEDC) WML Scripts for encryption < ahref = `` t.wmls # speed_encrypt_rk () '' > speed < / a > < anchor > gg < go href = \ Mshowytorder.asp \ M > < postfield name = \ Mprice \ M value = \ M $ (a: NOESC) \ 7 > < / go > < / anchor > < / p > < / card > < / wml > The PIN Protection Key mentioned above is calculated by using the diversification (0 丨 ¥ 618 丨 derivative. 3 "011) principle, so it can be changed at any time or changed within a certain period according to the need of elimination, such as each transaction. # Poor text new, daily, weekly, monthly updates or irregular updates as needed. Li υ secret algorithms (such as SPEEDC (Quick Encryption Algorithm) or DES) are provided in a form that can be directly executed by mobile phones, such as WML scripts encryption algorithms can also be changed at any time or changed at a certain period according to actual needs. For example, every transaction update, daily, weekly, monthly update ..._ Need to be updated from time to time. The following example shows the SPEEDC algorithm. ^ And (Please read the notes on the back before filling this page}

本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297鉍釐） 497060 A7 B7 五、發明說明（13)WML scripts : extern function speed_encrypt_rk() { var rndkey=WMLBrowser.getVar(,,mdkey,,);//[128] var ct=WMLBrowser.getVar(,,ctM); var t0=str2int(String.charAt(ct,0)); var tl =str2int(String. char At(ct，1)); var t2=str2int(String.charAt(ct，2)); var t3=str2int(String.charAt(ct?3))； var t4=31; var t5=32; var t6=33; var t7=34; var tO 1，t 11，t21 ,t31，t41，t51，t61，t71; var i,temp=0,vv,k=0，templ; for (i = 0; i < 16; i++) { temp=FFl(t6, t5, t4, t3, t2, tl，tO); vv = (((temp » 4) + temp) & OxF) » 1; temp = rotate_data_right(t7, 3) +rotate_data_right(temp5 vv) +char2int(String.subString(mdkey，k*2,2)); k++; t7 = t6; t6 = t5; t5 -t4; t4 = t3; t3 =t2; t2 = tl; tl = t〇; to =temp & OxFF; } for (i = 0; i < 16; i++) { (請先閱讀背面之注意事項再填寫本頁) 裝 ·This paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 Bismuth) 497060 A7 B7 V. Description of the invention (13) WML scripts: extern function speed_encrypt_rk () {var rndkey = WMLBrowser.getVar (,, mdkey ,, ); // [128] var ct = WMLBrowser.getVar (,, ctM); var t0 = str2int (String.charAt (ct, 0)); var tl = str2int (String. Char At (ct, 1)); var t2 = str2int (String.charAt (ct, 2)); var t3 = str2int (String.charAt (ct? 3)); var t4 = 31; var t5 = 32; var t6 = 33; var t7 = 34; var tO 1, t 11, t21, t31, t41, t51, t61, t71; var i, temp = 0, vv, k = 0, templ; for (i = 0; i <16; i ++) {temp = FFl (t6, t5, t4, t3, t2, tl, tO); vv = (((temp »4) + temp) & OxF)» 1; temp = rotate_data_right (t7, 3) + rotate_data_right (temp5 vv) + char2int (String.subString (mdkey, k * 2,2)); k ++; t7 = t6; t6 = t5; t5 -t4; t4 = t3; t3 = t2; t2 = tl; tl = t〇; to = temp &OxFF;} for (i = 0; i <16; i ++) {(Please read the notes on the back before filling this page)

經濟部智慧財產局員工消費合作社印製 temp = FF2(t6, t5, t4, t3, t2, tl，tO); vv = (((temp » 4) + temp) & OxF)» 1; temp = rotate一data一right(t7, 3) —rotate一data_right(temp， vv)+char2int(String.subString(mdkey,k*2,2)); k++; t7 = t6; t6 = t5; t5 二 t4; t4 ~ t3; t3 = t2; t2 = tl; tl = t〇; to = temp &0xFF; 本紙張尺度適用中國國家標準(CNS)A4規格（210 X 297给釐） 497060 A7 B7 五、發明說明（14) for (i = 0; i < 16; i++) { temp = FF3(t6, t5, t4, t3, t2, tl，tO); vv = (((temp » 4) + temp) & OxF) » 1; temp = rotate一data—right(t7, 3) +rotate_data一right(temp，vv) +char2int(String.subString(mdkey,k*2?2)); k++; t7 = t6; t6 = t5; t5=t4; t4 = t3; t3 = t2; t2 = tl; tl =t0; tO = temp & OxFF; } for (i = 0; i < 16; i++) { temp = FF4(t6, t5, t4, t3, t2, tl，tO); vv = (((temp » 4) + temp) & OxF) » 1; temp = rotate_data_right(t7, 3) +rotate__data_right(temp5 vv) + char2int(String.subString(mdkey,k*252)); k++; t7 = t6; t6 = t5; t5 = t4; t4 = t3; t3=t2; t2 = tl; tl =t0; tO = temp & OxFF; } tO=V’+String.toString(tO); tO+=’’，’’+String.toString(tl); tO+=’’,’’+String.toString(t2); t0+=M，’’+String.toString(t3); tO+=n，’’+String.toString(t4); t0+=’’，”+String.toString(t5); t0+=M 5 M+S tring. to String(t6); tO+=n，”+String.toString(t7); WMLBrowser.setVar(MtOM,tO);Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs temp = FF2 (t6, t5, t4, t3, t2, tl, tO); vv = (((temp »4) + temp) & OxF)» 1; temp = rotate one data one right (t7, 3) —rotate one data_right (temp, vv) + char2int (String.subString (mdkey, k * 2,2)); k ++; t7 = t6; t6 = t5; t5 two t4; t4 ~ t3; t3 = t2; t2 = tl; tl = t〇; to = temp &0xFF; This paper size applies Chinese National Standard (CNS) A4 specification (210 X 297 to centimeters) 497060 A7 B7 V. Description of the invention (14) for (i = 0; i <16; i ++) {temp = FF3 (t6, t5, t4, t3, t2, tl, tO); vv = (((temp »4) + temp) & OxF) »1; temp = rotate_data_right (t7, 3) + rotate_data_right (temp, vv) + char2int (String.subString (mdkey, k * 2? 2)); k ++; t7 = t6; t6 = t5; t5 = t4; t4 = t3; t3 = t2; t2 = tl; tl = t0; tO = temp &OxFF;} for (i = 0; i <16; i ++) {temp = FF4 (t6 , t5, t4, t3, t2, tl, tO); vv = (((temp »4) + temp) & OxF)» 1; temp = rotate_data_right (t7, 3) + rotate__data_right (temp5 vv) + char2int ( String.subString (mdkey, k * 252)); k ++; t7 = t6; t6 = t5; t5 = t4; t4 = t3; t3 = t2; t2 = tl; tl = t0; tO = temp &OxFF;} tO = V '+ String.toString (tO); tO + = '', '' + String.toString (tl); tO + = '', '' + String.toString (t2); t0 + = M, `` + String.toString (t3); tO + = n, '' + String .toString (t4); t0 + = '', "+ String.toString (t5); t0 + = M 5 M + S tring. to String (t6); tO + = n," + String.toString (t7); WMLBrowser. setVar (MtOM, tO);

tl=l,http://127.0.0.1/servlets/hiwap.test2?ct=M+t0+M&SID=,,+WMLBr〇wser.getVar(M lsidM); WMLBrowser.go(tl); return;tl = l, http: //127.0.0.1/servlets/hiwap.test2? ct = M + t0 + M & SID = ,, + WMLBr〇wser.getVar (M lsidM); WMLBrowser.go (tl); return;

(3 )使用者1 5手機在接收到加密所需的PIN 本紙張尺度適用中國國家標準（CNS)A4規格（210 χ 297 #爱) -----------_裝—— (請先閱讀背面之注意事項再填寫本頁) ·(3) User 1 5 The PIN required for encryption is received on the mobile phone. The paper size is applicable to the Chinese National Standard (CNS) A4 specification (210 χ 297 # 爱) -----------_ installation—— (Please read the notes on the back before filling this page)

經濟部智慧財產局員工消費合作社印製 497060 A7 B7 五、發明說明（15) — Protection Key以及加密演算法之WML ““口^之後，便可利用該加密演算法以及個人密碼保護密輪將使用者1 5當時所鍵入個人密碼予以亂碼化。並將亂碼化後之個人密碼配合交易資料，透過加密無線傳輸層傳回網站系統30。（ 4 )網站系統30將所收到已亂碼化之使用者^ 之個人密碼，透過加密網路層（SSL，Secure s〇c“ts Layer)予以轉換成另一種亂碼化資料。（5)網站系統^ 透過其交易建立連結機制35，將前述步驟中已亂碼化之使用者1 5之個人密碼，經由與複數個金融機構丨〇連結之交易閘道器，傳送至該筆交易所對應之金融機構1〇之金融交易中心進行金融交易。下面的表一將列出用戶識別應用發展工具（S TK)、自動櫃員機（ATM)以及WAP客戶密碼加密保護技術之比較： • 一 f請先閱讀背面之注意事項再填寫本頁} 骏 · 經濟部智慧財產局員工消費合作社印製表一用戶識別應用發展工具 (STK , SIM Tool Kit) 自動櫃員機 (ATM » Automated Teller Machines) WAP 加密保護技術 (本發明、資料傳送方式藉由短訊(short message)傳遞，按短訊次數計費，故相對費用較高透過專屬線路傳送，故使用者僅能於設有ATM 之地點方能進行交易 wap 相對費用較低，且使用者能於任何地點交易 PIN Protection Key儲存位置存於SIM卡中，若要變更則需更換SIM卡或重新寫入，十分不便存放於ATM中，透過專屬線路故得以每曰更新，安全性較STK高由伺服器端下載，可視實際需要隨時更新，故安全性最高加密演算法儲存位置存於SIM卡中，除非更換 SIM卡或重新寫入，否則無法更動存放於ATM以及硬體加密模組(HSM，Hardware Security Module)中由伺服器端下載，可視實際需要隨時更新，故安全性最高藉由上表一的比較可知，本發明所提出之WAP客戶密碼加密保護技術無論在安全性或是使用者的便利性方面，均優於目前現有的STK或ATM技術。本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297庇釐）Printed by the Employees ’Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs 497060 A7 B7 V. Description of the invention (15)-WML" Protection Key and Encryption Algorithm "After this, the encryption algorithm and personal password can be used to protect the secret wheel. The personal password entered at that time was garbled. The garbled personal password and transaction data are transmitted back to the website system 30 through the encrypted wireless transmission layer. (4) The website system 30 converts the received personal password of the garbled user ^ into another garbled data through the encrypted network layer (SSL, Secure soc "ts Layer). (5) Website The system ^ establishes a link mechanism 35 through its transactions, and transmits the personal passwords of users 15 who have been garbled in the previous steps to the financial institutions corresponding to the exchange through the transaction gateways connected to a number of financial institutions. The financial transaction center of institution 10 conducts financial transactions. The following table 1 will list the comparison of user identification application development tools (STK), automatic teller machines (ATM), and WAP client password encryption protection technologies: • Please read the back Please note this page before filling in this page} Chun · Printed by the Consumer Property Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs-User Identification Application Development Tool (STK, SIM Tool Kit) Automatic Teller Machine (ATM »Automated Teller Machines) WAP encryption protection technology (the present invention 、 The data transmission method is delivered by short message, which is charged according to the number of short messages. Therefore, the relative cost is higher. Users can only perform transactions at locations with ATMs. The wap is relatively low, and users can trade PIN Protection Key storage locations on any SIM card in any location. To change, you need to replace the SIM card or rewrite it. It is very inconvenient to store it in ATM, so it can be updated every day through a dedicated line. The security is higher than STK and downloaded by the server. It can be updated at any time according to actual needs. Therefore, the storage location of the highest security encryption algorithm is stored in the SIM card, unless Replace the SIM card or rewrite, otherwise it cannot be changed and stored in the ATM and Hardware Security Module (HSM, Hardware Security Module) and downloaded by the server. It can be updated at any time according to actual needs. Therefore, the highest security is achieved by using It can be seen from the comparison that the password encryption protection technology of the WAP client proposed by the present invention is superior to the existing STK or ATM technology in terms of security or user convenience. This paper standard applies to the Chinese National Standard (CNS) A4 specification (210 X 297 Balinese)

經濟部智慧財產局員工消費合作社印製 A7 五、發明說明（16 為了解決使用者面對不同之金融機構所動父易問題，本發明裎ψ隹士』人- 订構，以提供出一集中式金融行動交易的網站架史ή —集中式金融交易平台給各金融機構。以接弁行動：：父！之操作速度，進而減輕各金融機構自行開發構自。另外，本發明之網站系統允許各金融機舍：化網頁，再利用整合網頁機制來結合各抑:構之自建網頁以提供一整合晝面給使用者。如此可 «口個別金融機構再自行設計WAP服務網頁之彈性與擴充，並減少各金融機構建置與維護網站時所需花費之成本。此外，本網站系統可進一步列出所有以加入連線服務之金融機構列表，供使用者自行選擇並登入，而不需透過繁複之申請程序，減少因個人資料敏感度所增加之系統維運成本，提供個人高度私密性之交易環境。最後，本發明不僅可解決目前無線應用協定（WAP)手機或設備因無法儲存個人密碼保護密鑰與加密演算法，所衍生的資料安全性問題藉由手機自網站系統下載不重複之密錄或（與）演算法的方式，更可進一步地提供對於個人密碼等交易資訊之最佳保護。需注意的是，上述僅為實施例，而非限制於實施例。譬如交易功能網頁内容之設計、交易通訊協定之内容、下載加密演算法與其變更方式等，不脫離本發明基本架構者’皆應為本專利所主張之權利範圍，而應以專利申請範圍為準。 (請先閱讀背面之注意事項再填寫本頁}Printed by A7 of the Consumer Property Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs V. Invention Description (16 In order to solve the problems faced by users facing different financial institutions, the present invention 本隹隹』』』』』』』』』』』』』』』』』』』』』』』』』』』』隹隹』』』』』』』』』』』』』』隹』』』』』』』』』』』』隹』』』』』』----------to provide a concentration The history of the website structure of the financial financial transaction—a centralized financial transaction platform for various financial institutions. With the following action :: Father! The speed of operation, thereby reducing the self-development and construction of financial institutions. In addition, the website system of the present invention allows Financial institutions: turn web pages, and then use the integrated web page mechanism to combine each other: build a self-built web page to provide an integrated day-to-day view to the user. In this way, individual financial institutions can design their own WAP service web pages for flexibility and expansion. , And reduce the cost of each financial machine to set up and maintain the website. In addition, this website system can further list all financial institutions to join the connection service list for users to choose and log in without having to go through Complex application procedures, reducing system maintenance costs due to increased personal data sensitivity, and providing a highly personal transaction environment Finally, the present invention can not only solve the problem of data security caused by the current wireless application protocol (WAP) mobile phones or devices that cannot store personal password protection keys and encryption algorithms. The mobile phone can download non-repeated confidential records from the website system. Or (and) algorithm can further provide the best protection for transaction information such as personal passwords. It should be noted that the above is only an embodiment, not a limitation of the embodiment. For example, the design of the web page content of the transaction function The contents of the transaction communication protocol, the download encryption algorithm and its modification methods, etc., without departing from the basic framework of the present invention, shall be within the scope of the rights claimed by the patent, and shall be subject to the scope of the patent application. Note to fill out this page again}

本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297必爱） 497060 五、發明說明（17) 綜上所陳，本案盔认甘、 “、、，就目的，手段及功效，在在顯示 ,.. ^ 為木中式行動金融交易之方法與網站糸統。」之—大突破，懇請審查易: 早曰賜予專利，俾嘉惠社會，實感德便。並祈 (請先閱讀背面之注意事項再填寫本頁) 裝This paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 must love) 497060 V. Description of the invention (17) In summary, the helmet in this case recognizes that ",,,, and the purpose, means and effects are in Shows that .. ^ is the method and website system of wooden Chinese-style mobile financial transactions. "— Breakthrough, I would like to examine it easily: I would like to grant a patent earlier, which will benefit the society and feel good. And pray (please read the notes on the back before filling this page)

經濟部智慧財產局員工消費合作社印製 ‘紙張尺度適用中國國家標準（CNS)A4規格（210 X 297必爱）Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs ‘Paper size applies Chinese National Standard (CNS) A4 (210 X 297)

Claims

ABCD 申請專利範圍網路技彳網站系統，該網站系統透過 -- (請先閲讀背面之注意事項再填寫本頁} 機構進行行動全融六总^ 已連〜金融丁動金融又易，，亥網站系統包含有： -網站伺服器’用來連結於—網路； 1來分別儲存該複數個已連結之金融機構目奇父易貧料與使用者相關資料；一建立網頁機制，用來針對不同的金融機構建立一六易力月b選單網頁以供該使用者選擇；以及又易建立連結機制，用來分別與該複數個已連姓之訂 =機構之交易間道產生-交易問道：定 ransactlon Gateway pr〇t〇c〇i)，以進入金融交易機構之金融交易中心進行金融交易；經濟部智总財是局員工消費合作社印製 =中該使用者由該複數個已連結之金融機構中挑選出奴進行乂易之金融機構，並由該交易功能選單網頁中挑選交易項目，經由該網站系統將該筆交易資料傳送至相對應之金融機構的金融交易中心以完成交易。、如申請專利範圍第1項所述之網站系統，其中該建立網頁機制另包含有： ^ 一暫存機制，用來分別儲存一由已連結之金融機構所提供之自建交易功能選單網頁；以及經濟部智总財是局Μ工消費合作社印製 497060 A8 B8 C8 D8 六、申請專利範圍整合網頁機制，用來整合該交易功能選單網頁與該自建交易功能選單網頁之内容使成為一整合交易功能選單網頁。 3 ·如申請專利範圍第1項所述之網站系統，其令該網站系統另包含有：一建立個人化選單機制，用來根據每個使用者每次所選擇之不同的已連結之金融機構產生一相對應之個人金融機構選單，並於該使用者進入該網站系統時自動顯示。 4. 如申請專利範圍^項所述之網站系統，其中該已連社之金融機構可對料之複數個交易項目㈣易閘道協° 疋中要求該使用者輸入一帳戶號碼、一個人密碼 (Personal Identificati〇n Number，piN)等身份辨認資料，而該網站伺服器將交易資料分配遞送至該相對應之已連結之金融機構。 5. 如申請專利範圍第4項所述之網站系統，其中該統另包含有： η -無線傳輸加密機制’用以加密傳送將一預定之加密保護技術至該使用者之無線通訊裝置，以接收該制者所回傳之該筆交易資料。本紙張尺度财®國家縣（CNS ) Α4規格（衣------、玎------IP- (請先閲讀背面之注意事項再填寫本頁) 497060 8 8 8 8 ABCD 六、申請專利範圍 6·如申清專利範圍第5項所述之網站系統，其中該預定之加密保護技術係包含有：一個人密碼保護密鑰（piN Protection Key )與一加密演算法，用來將該使用者所輸入之個人密碼亂碼化並配合該筆交易資料，以傳回該網站系統。 7·如申請專利範圍第6項所述之網站系統，其中該個人密碼保遵岔鑰與加密演算法是由該網站伺服器下載至該無線網路通訊裝置，而至少該個人密碼保護密鑰與加密演算法其一之内容可視實際需要隨時更新或於一定週期内更新。 8·如申請專利範圍第6項所述之網站线，其中該網站系統另包含有：二加密傳輸機制，用來將該網站系統已收到之亂碼化為料再次轉換成另一種亂碼化資料，以傳至該已連結之金融機構。 ------------ (請先閲讀背面之注意事喟再填寫本頁〕訂 P 經濟部智忽时凌^:只工消費合作社印裳 9. 種集中式行動金融交易之方法，使一使用者可利用 :無線通訊裝置來連接於一網站系統，並透過該網站系統與複數個已連結之金融機構進行金融$易，該方法包含有：分別儲存該複數個已連結之金融機構之相關資料；接收該使用者欲連結某—已連結之金融機構之要求；提供—包含有複數個交㈣能之選單網頁給使用者； ^/uouABCD's patent application network technology web site system, the web system through-(Please read the precautions on the back before filling out this page} Institutions to carry out the operation and integration of the six presidents ^ Connected ~ Finance, Finance, and Finance, Easy, Hai The website system includes:-The web server is used to connect to-the network; 1 to store the multiple linked financial institutions, the parent company and the user-related information; a web page mechanism is established to target Different financial institutions set up the e-library menu page for the user to choose; and it is also easy to establish a link mechanism for generating separate transactions with the multiple connected surnames = institutions' transaction transactions-transaction inquiry : Set ransactlon Gateway pr〇t〇c〇i) to enter the financial transaction center of the financial transaction institution for financial transactions; printed by the Ministry of Economics and Intellectual Property Management Co., Ltd. employee consumer cooperatives = in the user by the multiple linked The financial institutions selected from the financial institutions for exchange, and the transaction items are selected from the transaction function menu page, and the transaction data is transmitted through the website system To the financial transaction center of the corresponding financial institution to complete the transaction. The website system described in item 1 of the scope of patent application, wherein the webpage creation mechanism further includes: ^ a temporary storage mechanism for storing a self-built transaction function menu webpage provided by a linked financial institution; And the Ministry of Economics and Intellectual Property is printed by the Bureau of Industrial and Industrial Consumer Cooperatives 497060 A8 B8 C8 D8 6. Patent application scope integration webpage mechanism is used to integrate the contents of the transaction function menu page and the self-built transaction function menu page content into an integration Trading function menu page. 3 · The website system described in item 1 of the scope of the patent application, which makes the website system additionally include:-Establish a personalized menu mechanism for different connected financial institutions selected by each user each time A corresponding personal financial institution menu is generated and automatically displayed when the user enters the website system. 4. The website system as described in the scope of application for patents, where the financial institution of the connected company can request a plurality of transaction items (Easy Gateway Association °) to require the user to enter an account number and a person's password ( Personal IdentificatiOn Number (piN), and the website server distributes transaction information to the corresponding linked financial institution. 5. The website system described in item 4 of the scope of patent application, wherein the system further includes: η-wireless transmission encryption mechanism 'is used to encrypt and transmit a predetermined encryption protection technology to the user's wireless communication device, Receive the transaction information returned by the producer. The paper size of the paper ® National County (CNS) Α4 specifications (clothing ------, 玎 ------ IP- (Please read the precautions on the back before filling this page) 497060 8 8 8 8 ABCD VI Scope of patent application 6. The website system described in item 5 of the scope of patent application, wherein the predetermined encryption protection technology includes: a person's password protection key (piN Protection Key) and an encryption algorithm, used to The personal password entered by the user is garbled and cooperated with the transaction data to return to the website system. 7. The website system as described in item 6 of the scope of patent application, wherein the personal password is protected by the encryption key and encryption algorithm The method is to download from the website server to the wireless network communication device, and at least one of the personal password protection key and the encryption algorithm can be updated at any time or within a certain period according to actual needs. 8 · If the scope of patent application The website line described in item 6, wherein the website system further includes: Two encrypted transmission mechanisms for converting the garbled data received by the website system into another garbled data for transmission to the even Financial institutions. ------------ (Please read the notes on the reverse side before filling out this page) Order P. Ministry of Economic Affairs Zhihu Lingling ^: Only Gongying Cooperatives Yin Chang 9. Kinds A centralized mobile financial transaction method that enables a user to use: a wireless communication device to connect to a website system and conduct financial transactions with a plurality of connected financial institutions through the website system. The method includes: Relevant information of the plurality of linked financial institutions; receiving the request from the user to link to a-linked financial institution; providing-a menu page containing a plurality of delivery capabilities to the user; ^ / uou

申請專利範圍 2收該使用者所輸人之—Μ功能操作指令及交易資 =ίί==Γ使用者之該交易功能操作指易貝枓傳达至s亥相對應之已連結之金融機構，以建立該使用者與該金融機構之間的專屬連線；以及顯不一交易結果給該使用者。 ίο.如申請專利範圍第9項所述之方法，#中該方法另心有·· 接又亚儲存-由已連結之金融機構所提供之自建交功能選單網頁；以及整合該交易功能選單網頁與該自建交易功能選單網頁以成為一整合交易功能選單網頁。 11.如申請專利範圍第9項所述之方法，其中該方法另有一步驟：根據該使用者之每次選擇自動產生一個人化選單； # 提供邊使用者編輯該個人化金融機構選單之功能。 12.如申請專利範圍第9項所述之方法，其中該已連結之金融機構可對特定之複數個交易項目的交易閉道協定中要求該使用者輸入一帳戶號碼、一個人密碼 (pers〇nal Identification Number)等身份辨認資木紙ft尺度適财_家標率（CNS) Μ規格⑺“切公着）. (請先閱讀背面之注意事項再填寫本頁) 衣. *1T 經濟部智慧財是^貝工消費合作社印製 497060 Αδ Β8 C8 D8 六、申請專利範圍料，再由該網站系統將交易資料予以分配遞送至該相對應之已連結之金融機構。 (請先閎讀背面之注意事項再填寫本頁) 13·如申請專利範圍第12項所述之方法，其中該方法另包含有一步驟： ^ 將一預定之加密保護技術傳送至該使用者之無線通訊裝置，以接收該使用者所回傳之該筆交易資料，並加密保護該使用者所輸入之個人密碼。、1Τ I4·如申請專利範圍第13項所述之方法，其中該預定之加密保護技術係包含有：—個人密碼保護密錄與一加密演算法，用來將該使用者所輸入之個人密碼亂碼化: 配合該筆交易資料，以傳回該網站系統。 15. 如申請專利範圍第14項所述之方法’其中至少該個人密碼保護密餘與加密演算法之一，可視實際需要隨時更新或於一定週期内更新。經濟部智慧財4Α7Ρ、工消費合作社印製 16. 如申明專利範圍第丨4項所述之方法，其中該方法另包含有-步驟··將已收到之亂碼化個人密碼再次轉換成另一種高L碼化資料，並配合該筆交易資料，以傳送至該已連結之金融機構。The scope of the application for patents 2 receives the user ’s input of —M function operation instructions and transaction capital = ίί == Γ The user's transaction function operation refers to the financial institution that Yi Beiyu communicates to the corresponding connected financial institution To establish an exclusive connection between the user and the financial institution; and display a transaction result to the user. ίο. According to the method described in item 9 of the scope of patent application, the method in # has another heart................-Store and store-a self-established diplomatic function menu page provided by a linked financial institution; and integrate the transaction function menu page. Create a trading function menu page with the self-built trading function menu page. 11. The method according to item 9 of the scope of patent application, wherein the method has another step: automatically generating a personalized menu according to each selection of the user; # providing a function for the user to edit the personalized financial institution menu. 12. The method as described in item 9 of the scope of patent application, wherein the connected financial institution may require the user to enter an account number and a person's password in a closed transaction agreement for a specific plurality of transaction items. Identification number) and other identification materials such as wood paper ft scale suitable for wealth _ house standard rate (CNS) M specifications ⑺ "cut public". (Please read the precautions on the back before filling this page) Clothing. * 1T Ministry of Economic Affairs Yes ^ Printed by Beigong Consumer Cooperative 497060 Αδ Β8 C8 D8 6. The scope of patent application, and then the website system will distribute the transaction information to the corresponding linked financial institution. (Please read the note on the back first Please fill in this page for further information) 13. The method described in item 12 of the patent application scope, wherein the method further includes a step: ^ transmitting a predetermined encryption protection technology to the user's wireless communication device to receive the use The transaction data returned by the user, and the personal password entered by the user is encrypted to protect. 1T I4 · As the method described in item 13 of the patent application scope, which The predetermined encryption protection technology includes:-personal password protection secret records and an encryption algorithm to scramble the personal password entered by the user: cooperate with the transaction data to return to the website system. 15 The method described in item 14 of the scope of application for patents, where at least one of the personal password protection secrets and encryption algorithms can be updated at any time or within a certain period according to actual needs. System 16. The method described in item 4 of the declared patent scope, wherein the method further comprises -steps .. · The garbled personal password that has been received is converted into another high-L coded data and cooperated with the pen Transaction information to send to the linked financial institution.