TWI758648B - Mobile trading counter implemented by real-name phone, and trading method by using the same - Google Patents

Mobile trading counter implemented by real-name phone, and trading method by using the same Download PDF

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TWI758648B
TWI758648B TW108137753A TW108137753A TWI758648B TW I758648 B TWI758648 B TW I758648B TW 108137753 A TW108137753 A TW 108137753A TW 108137753 A TW108137753 A TW 108137753A TW I758648 B TWI758648 B TW I758648B
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transaction
mobile
chip
data
counter
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TW108137753A
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TW202117625A (en
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黃音凱
黃竑羲
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黃音凱
黃竑羲
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Abstract

A mobile trading counter at least including a processor, an e-ID chip, a digital signature chip, a security chip, a data obtaining unit, and a communication unit is disclosed. Before trading, a company uses the e-ID chip, the digital signature chip, and the security chip of a phone to register to a back-end server for transforming the phone into the mobile trading counter legally representing the company. During trading, the mobile trading counter obtains trade data from a consumer through the data obtaining unit, controls the e-ID chip and the digital signature chip to process the trade data for generating trade relating data, and then processes the trade relating data through the security chip for transmitting same to the back-end server for verification. After the trade relating data passes the verification, the mobile trading counter and/or the back-end server may register the trade data and update the consumer’s account.

Description

以實名制手機實現的行動交易櫃檯及其交易方法 Mobile trading counter realized by real-name mobile phone and its trading method

本發明涉及一種行動交易櫃檯，尤其涉及一種以實名制手機實現的行動交易櫃檯，以及行動交易櫃檯的交易方法。 The invention relates to a mobile transaction counter, in particular to a mobile transaction counter realized by a real-name mobile phone, and a transaction method of the mobile transaction counter.

隨著時代的演變，近年來手機支付的相關技術越來越成熟。由於採用手機支付時，店家、攤販可以直接接受消費者以手機進行付款動作，而店家、攤販收款後可以直接轉帳到個人銀行帳戶，並且又不必找零，相當地便利。因此，例如中國的支付寶與微信支付、美國的Apple Pay與Google Pay，日本的Line Pay、韓國的Samsung Pay以及台灣的街口支付等手機支付服務，在世界各國都越來越為流行。 With the evolution of the times, the related technologies of mobile payment have become more and more mature in recent years. Because when using mobile phone payment, stores and vendors can directly accept consumers to make payments through mobile phones, and store vendors and vendors can transfer money directly to their personal bank accounts after receiving the money, and they do not need to change, which is quite convenient. Therefore, mobile payment services such as Alipay and WeChat Pay in China, Apple Pay and Google Pay in the United States, Line Pay in Japan, Samsung Pay in South Korea and Jiekou Pay in Taiwan are becoming more and more popular in countries around the world.

然而，上述手機支付的技術主要都是站在一般消費者以小額款項交易轉帳的角度所設計的，其安全標準不足，不但在交易後沒有***憑證，而且也無法完成合約式的交易(例如像資產過戶或保險合約的簽訂等)，因此無法被公司、分公司或加盟店等用來做為正式的交易櫃檯使用，相當可惜。 However, the above-mentioned mobile payment technologies are mainly designed from the point of view of ordinary consumers transferring funds in small-amount transactions, and their security standards are insufficient. It is a pity that it cannot be used as a formal trading counter by companies, branches or franchise stores.

具體來說，目前的手機硬體裡可以用來識別使用者身分的，僅為SIM卡以及手機的製造序號。雖然所述SIM卡與製造序號都具有唯一性，但縱 使在SIM卡上附帶電子身分證晶片，由於其加密方式的安全性並不高(主要是密鑰(Private Key)的產生都必須由外部給予，而不是由電子身分證晶片自行產生密鑰)，根本無法達到世界安全等級CC EAL 5+等級以上，因此很容易被有心人士所攔截，進而容易被駭客所破解甚至仿造。也因此，在手機支付的應用上竄改金額、盜刷事件及盜領客戶帳戶內金額等事件，皆時有所聞。 Specifically, in the current mobile phone hardware, only the SIM card and the manufacturing serial number of the mobile phone can be used to identify the user. Although the SIM card and the manufacturing serial number are unique, vertical The electronic ID card chip is attached to the SIM card, because the security of its encryption method is not high (mainly, the generation of the private key must be given by the outside, instead of the electronic ID card chip generating the key by itself) , it is impossible to reach the world security level CC EAL 5+ level or above, so it is easy to be intercepted by people with intentions, and then easily cracked or even counterfeited by hackers. As a result, incidents such as tampering with the amount, fraudulent brushing, and stealing of the amount in the customer's account on the mobile payment application are common.

再者，縱使手機有上述電子身分證的功能，但若沒有數位簽章功能，手機就沒有辦法綁定特定人士的簽章(相當於個人***)，這樣一來，拿這一支手機是無法從事需要簽名蓋章的合約式的交易的。 Furthermore, even if the mobile phone has the function of the above-mentioned electronic ID card, if there is no digital signature function, the mobile phone cannot bind the signature of a specific person (equivalent to a personal seal), so it is impossible to take this mobile phone. Engaged in contractual transactions that require signatures and seals.

目前全世界的數位簽章相當於個人***，是使用RSA ECC等非對稱式加密方法，一旦被盜、竄改或破解，其後果不堪設想。再者，RSA ECC等非對稱式加密方法在量子電腦時代是不堪一擊的，因此數位簽章不只是要綁定特定人士，還要綁定事、時、地及物，使得任何人都無法竄改偽造合約式的交易內容。並且，如上所述，目前的電子身分證屬於被動式作業，一旦被駭客攻擊，將會有個資、隱私權被竊取、竄改與非法使用的危險，不但需要很長的修復時間，亦需要求電子身分證持有人修改密碼以解決問題，因此不適合在臨檯的系統中使用。 At present, digital signatures all over the world are equivalent to personal seals, which use asymmetric encryption methods such as RSA ECC. Once stolen, tampered with or cracked, the consequences will be disastrous. In addition, asymmetric encryption methods such as RSA ECC are vulnerable in the era of quantum computers, so digital signatures are not only bound to specific people, but also bound to events, times, places and objects, making it impossible for anyone to bind. Falsify the content of the transaction in the form of a forged contract. Moreover, as mentioned above, the current electronic ID card is a passive operation. Once attacked by hackers, there will be dangers of information and privacy rights being stolen, tampered with and used illegally, which not only requires a long time to repair, but also requires The electronic ID card holder changes the password to solve the problem, so it is not suitable for use in the temporary system.

更甚者，消費者在進行手機支付時，一般採用的都是二維條碼或近場通訊(Near Field Communication,NFC)來進行支付，其中二維條碼不具有安全等級可言，而NFC的安全等級目前最高也只達CC EAL 4等級，並且NFC技術也沒有上述的數位簽章功能，而無法達到臨櫃標準。因此，若要以手機來實現商品提供端/服務提供端的交易櫃檯，使得所述交易櫃檯可以轉化成行動交易 櫃檯而提高便利性，則如何提高手機端的安全性即為本領域的技術人員所需要努力研究的重點。 What's more, consumers generally use two-dimensional barcode or Near Field Communication (NFC) for payment when making mobile payment. At present, the highest level is only CC EAL 4, and the NFC technology does not have the above-mentioned digital signature function, so it cannot reach the standard of the cabinet. Therefore, if a mobile phone is used to implement a transaction counter on the commodity provider/service provider side, the transaction counter can be converted into a mobile transaction The convenience of the counter is improved, and how to improve the security of the mobile terminal is the focus of the research that those skilled in the art need to study hard.

本發明之主要目的，在於提供一種以實名制手機實現的行動交易櫃檯及其交易方法，係通過電子身分證晶片、數位簽章晶片與安全晶片的設置來將手機實名化並且強化手機的安全性，藉此允許使用者將實名制手機註冊為能夠合法代表一般公司的行動交易櫃檯。 The main purpose of the present invention is to provide a mobile transaction counter and a transaction method realized by a real-name mobile phone, which realizes the real-name of the mobile phone and strengthens the security of the mobile phone through the setting of the electronic ID card chip, the digital signature chip and the security chip. This allows users to register their real-name mobile phones as a mobile trading counter that can legally represent general companies.

為了達成上述之目的，本發明的行動交易櫃檯至少包括：一處理單元；一認證單元，該行動交易櫃檯通過該認證單元向一後端伺服器進行註冊登錄以合法代表一公司、一分公司或一加盟店；一電信通訊單元，該行動交易櫃檯通過該電信通訊單元連接一手機網路；及，一資料取得單元，該行動交易櫃檯通過該資料取得單元從外部取得一消費者的一交易資料。 In order to achieve the above purpose, the mobile transaction counter of the present invention at least includes: a processing unit; an authentication unit, through which the mobile transaction counter registers with a back-end server to legally represent a company, a branch or a a franchise store; a telecommunication unit through which the mobile transaction counter is connected to a mobile phone network; and, a data acquisition unit through which the mobile transaction counter acquires a transaction data of a consumer from outside .

其中，該認證單元至少包括一電子身分證晶片及一安全晶片，該處理單元控制該電子身分證晶片對該交易資料進行處理以產生一交易相關資料，並通過該安全晶片的處理而經由該電信通訊單元將該交易相關資料傳送該後端伺服器進行驗證。其中，當該交易相關資料驗證成功後，該行動交易櫃檯登錄該交易資料並以該交易資料更新該消費者的一帳戶資料。 Wherein, the authentication unit includes at least an electronic ID card chip and a security chip, the processing unit controls the electronic ID card chip to process the transaction data to generate a transaction-related data, and through the processing of the security chip, the telecommunications The communication unit transmits the transaction-related data to the back-end server for verification. Wherein, after the verification of the transaction-related information is successful, the mobile transaction counter logs in the transaction information and updates an account information of the consumer with the transaction information.

為了達成上述之目的，本發明的交易方法主要是應用於包括一處理單元、一認證單元、一電信通訊單元及一資料取得單元的一行動交易櫃檯，其中該行動交易櫃檯通過該認證單元向一後端伺服器進行註冊登錄以合法代表一公司、一分公司或一加盟店，並且該交易方法主要包括下列步驟：a)通過該資 料取得單元從外部取得一消費者的一交易資料；b)通過該認證單元中的一電子身分證晶片對該交易資料進行處理以產生一交易相關資料；c)通過該認證單元中的一安全晶片的處理而經由該電信通訊單元將該交易相關資料傳送該後端伺服器進行驗證；及，d)當該交易相關資料驗證成功後，登錄該交易資料並以該交易資料更新該消費者的一帳戶資料。 In order to achieve the above-mentioned purpose, the transaction method of the present invention is mainly applied to a mobile transaction counter including a processing unit, an authentication unit, a telecommunication unit and a data acquisition unit, wherein the mobile transaction counter sends a message to a mobile transaction counter through the authentication unit. The back-end server performs registration and login to legally represent a company, a branch or a franchise store, and the transaction method mainly includes the following steps: a) Through the information The data acquisition unit obtains a transaction data of a consumer from the outside; b) processes the transaction data through an electronic ID card chip in the authentication unit to generate a transaction-related data; c) passes a security in the authentication unit and, d) when the verification of the transaction-related data is successful, log in the transaction data and update the consumer's data with the transaction data an account information.

本發明相對於相關技術所能達到的技術功效在於，藉由將手機實名化並提昇手機的安全性，令使用者能夠以手機向有關單位進行註冊登錄而成為公司合法的行動交易櫃檯。藉此，公司、分公司或加盟店可以通過行動交易櫃檯來接受消費者辨理原本需要臨櫃才能辦理的業務，並且能夠合法繳稅以及提供***。更甚者，公司亦可通過註冊登錄完成的行動交易櫃檯來實現一般的法人商業行為、電子簽章相關業務以及文件的識別或簽署等特殊行為，相當便利。 Compared with the related art, the technical effect of the present invention is that, by realizing the mobile phone and improving the security of the mobile phone, the user can register and log in with the relevant unit with the mobile phone and become the legal mobile trading counter of the company. In this way, the company, branch or franchise store can use the mobile transaction counter to accept consumers' identification of business that could be handled only by visiting the counter, and can legally pay taxes and provide invoices. What's more, the company can also realize the general corporate business behavior, electronic signature related business and special behavior such as document identification or signing through the mobile trading counter completed by registration and login, which is quite convenient.

1:行動交易櫃檯 1: Mobile Trading Desk

11:處理單元 11: Processing unit

12:認證單元 12: Authentication unit

121:電子身分證晶片 121: Electronic ID Card Chip

122:數位簽章晶片 122: Digital Signature Chip

123:安全晶片 123: Security Chip

13:資料取得單元 13: Data acquisition unit

131:NFC讀寫單元 131: NFC read and write unit

132:條碼讀取器 132: Barcode Reader

14:電信通訊單元 14: Telecom communication unit

15:無線傳輸單元 15: Wireless transmission unit

16:輸入單元 16: Input unit

2:交易卡片 2: Trading Cards

3:後端伺服器 3: Backend server

31:認證中心 31: Certification Center

32:清算中心 32: Clearing House

33:資料中心 33: Data Center

34:管理中心 34: Management Center

4:***機 4: Invoice machine

5:消費者手機 5: Consumer Cell Phones

51:交易條碼 51: Transaction barcode

S10~S16:登錄步驟 S10~S16: Login steps

S20~S38:交易步驟 S20~S38: Transaction steps

圖1A為本發明的行動交易櫃檯的示意圖的第一具體實施例。 FIG. 1A is a first specific embodiment of a schematic diagram of a mobile transaction counter of the present invention.

圖1B為本發明的行動交易櫃檯的示意圖的第二具體實施例。 FIG. 1B is a second specific embodiment of the schematic diagram of the mobile transaction counter of the present invention.

圖1C為本發明的行動交易櫃檯的示意圖的第三具體實施例。 FIG. 1C is a third embodiment of a schematic diagram of a mobile transaction counter of the present invention.

圖2為本發明的行動交易櫃檯的方塊圖的第一具體實施例。 FIG. 2 is a first specific embodiment of the block diagram of the mobile transaction counter of the present invention.

圖3為本發明的行動交易櫃檯的登錄流程圖的第一具體實施例。 FIG. 3 is a first specific embodiment of the login flowchart of the mobile transaction counter of the present invention.

圖4為本發明的行動交易櫃檯的交易流程圖的第一具體實施例。 FIG. 4 is a first specific embodiment of a transaction flow chart of the mobile transaction counter of the present invention.

茲就本發明之一較佳實施例，配合圖式，詳細說明如後。 Hereinafter, a preferred embodiment of the present invention will be described in detail in conjunction with the drawings.

本發明揭露了一種以實名制手機實現的行動交易櫃檯，以及行動交易櫃檯的交易方法，主要是以具備了特定硬體而可將手機實名化並提高安全性的手機做為一般公司、分公司或加盟店的交易櫃檯，以接受消費者原本需要臨櫃才能辦理的業務，藉此達到將所述公司、分公司或加盟店的一般交易櫃檯轉換為行動交易櫃檯的目的。 The invention discloses a mobile transaction counter realized by a real-name mobile phone, and a transaction method of the mobile transaction counter. The transaction counter of the franchise store is to accept the business that consumers originally needed to go to the counter, so as to achieve the purpose of converting the general transaction counter of the company, branch or franchise store into a mobile transaction counter.

為便於說明，下面將以應用於一般公司的行動交易櫃檯為例，進行實施例的詳細說明。 For the convenience of description, the following will take the mobile transaction counter applied to a general company as an example to describe the embodiment in detail.

本發明中的行動交易櫃檯是以實名制的手機來實現的，由於實名制的手機具有可追溯手機持有人身分的特性，因此公司使用本發明的行動交易櫃檯來執行業務時，仍可合法繳稅，並且可以開立***，故可符合民法、公司法有關一般公司行號成立與營業之要件。 The mobile transaction counter in the present invention is realized by a mobile phone with a real-name system. Since the mobile phone with a real-name system can trace the identity of the mobile phone holder, a company can still legally pay taxes when using the mobile transaction counter of the present invention to perform business. , and can issue invoices, so it can meet the requirements of civil law and company law related to the establishment and business of general companies.

首請參閱圖1A、圖1B及圖1C，分別為本發明的行動交易櫃檯的示意圖的第一具體實施例、第二具體實施例與第三具體實施例。 First, please refer to FIG. 1A , FIG. 1B and FIG. 1C , which are respectively a first embodiment, a second embodiment and a third embodiment of a schematic diagram of a mobile transaction counter of the present invention.

如圖1A所示，本發明的行動交易櫃檯1可被公司的櫃檯人員所使用，並可通過無線傳輸單元，例如近場通訊(Near Field Communication,NFC)單元感應消費者所持有的交易卡片2(例如具有NFC功能的***或提款卡)，藉此為消費者進行結帳、儲值或帳戶資料查詢等業務。 As shown in FIG. 1A , the mobile transaction counter 1 of the present invention can be used by the counter staff of the company, and can sense the transaction card held by the consumer through a wireless transmission unit, such as a Near Field Communication (NFC) unit 2 (such as a credit card or ATM card with NFC function), so as to carry out services such as checkout, stored value or account information inquiry for consumers.

本發明中，行動交易櫃檯1可從消費者的交易卡片2取得交易資料，並且依據交易資料與行動交易櫃檯1自身的認證資料產生交易相關資料後，交予後端伺服器3進行驗證。 In the present invention, the mobile transaction counter 1 can obtain transaction data from the consumer's transaction card 2, and generate transaction-related data according to the transaction data and the authentication data of the mobile transaction counter 1, and then submit it to the back-end server 3 for verification.

具體地，本發明係預先以實名制手機(即，具備有特定硬體而可追溯持有人身分的手機)向所述後端伺服器3進行註冊登錄，以將手機做為可以合法代表所述公司、分公司或加盟店的行動交易櫃檯1。於此情況下，手機持有人可被視為是公司負責人。因此，在後端伺服器3驗證了所述交易相關資料後，除了可確認消費者的交易資料的內容之外，亦可確認提供商品或服務的公司的負責人身分，以及公司的相關資訊，因而可對此公司進行課稅，而可符合民法、公司法的相關規定。 Specifically, in the present invention, a real-name mobile phone (that is, a mobile phone with specific hardware that can be traced back to the identity of the holder) is registered to the back-end server 3 in advance, so that the mobile phone can legally represent the Mobile trading desks for companies, branches or franchisees1. In this case, the mobile phone holder can be considered to be the person in charge of the company. Therefore, after the back-end server 3 verifies the transaction-related data, in addition to confirming the content of the consumer's transaction data, it can also confirm the identity of the person in charge of the company that provides the goods or services, as well as the company's related information, Therefore, the company can be taxed, and the relevant provisions of civil law and company law can be complied with.

為了達到上述課稅的目的，於一實施例中，行動交易櫃檯1可以在所述交易相關資料驗證無誤後開立電子***，並且將電子***發送至消費者的電子郵件信箱。於另一實施例中，行動交易櫃檯1亦可以有線或無線的方式連接***機4，並且在所述交易相關資料驗證無誤後，通過***機4開立紙本***。 In order to achieve the above taxation purpose, in one embodiment, the mobile transaction counter 1 may issue an electronic invoice after verifying that the transaction-related information is correct, and send the electronic invoice to the consumer's e-mail. In another embodiment, the mobile transaction counter 1 can also be connected to the invoice machine 4 in a wired or wireless manner, and after the transaction-related data is verified to be correct, a paper invoice is issued through the invoice machine 4 .

如圖1B所示，所述行動交易櫃檯1還可通過無線傳輸單元感應消費者手機5(例如具有NFC功能的手機)，藉此令消費者以手機支付軟體(例如Apple Pay、Google Pay等)來進行結帳、儲值或帳戶資料查詢等業務。同樣地，行動交易櫃檯1可從消費者手機5中取得交易資料，依據交易資料與行動交易櫃檯1自身的認證資料產生交易相關資料後，再交予後端伺服器3進行驗證。並且，行動交易櫃檯1可在驗證通過後完成此筆交易，並且開立電子***或紙本***。 As shown in FIG. 1B , the mobile transaction counter 1 can also sense the consumer’s mobile phone 5 (such as a mobile phone with NFC function) through a wireless transmission unit, thereby allowing the consumer to pay for software (such as Apple Pay, Google Pay, etc.) with the mobile phone To perform checkout, stored value or account information inquiry and other services. Similarly, the mobile transaction counter 1 can obtain transaction data from the consumer's mobile phone 5 , generate transaction-related data according to the transaction data and the authentication data of the mobile transaction counter 1 , and then submit it to the back-end server 3 for verification. Moreover, the mobile transaction counter 1 can complete the transaction after passing the verification, and issue an electronic invoice or a paper invoice.

如圖1C所示，所述行動交易櫃檯1還可通過影像擷取單元(例如相機)掃描消費者手機5上顯示的交易條碼51(例如以二維條碼呈現)，藉此令消費者以手機支付軟體(例如微信支付、街口支付等)來進行結帳、儲值或帳戶資料 查詢等業務。同樣地，行動交易櫃檯1從消費者手機5上取得交易資料後，可依據交易資料與行動交易櫃檯1自身的認證資料產生交易相關資料後，再交予後端伺服器3進行驗證。並且，行動交易櫃檯1可在驗證通過後完成此筆交易，並且開立電子***或紙本***。 As shown in FIG. 1C , the mobile transaction counter 1 can also scan the transaction barcode 51 displayed on the consumer's mobile phone 5 (such as a two-dimensional barcode) through an image capture unit (such as a camera), thereby allowing the consumer to use the mobile phone Payment software (such as WeChat Pay, Jiekou Pay, etc.) for checkout, stored value or account information Inquiries, etc. Similarly, after the mobile transaction counter 1 obtains the transaction data from the consumer's mobile phone 5 , it can generate transaction-related data according to the transaction data and the authentication data of the mobile transaction counter 1 , and then submit it to the back-end server 3 for verification. Moreover, the mobile transaction counter 1 can complete the transaction after passing the verification, and issue an electronic invoice or a paper invoice.

如上所述，採用本發明的行動交易櫃檯1，則公司可以在不改變消費者現有的支付習慣的前提下，令其所提供的交易模式更具彈性與便利性。 As described above, by using the mobile transaction counter 1 of the present invention, the company can make the transaction mode provided by it more flexible and convenient without changing the existing payment habits of consumers.

續請參閱圖2，為本發明的行動交易櫃檯的方塊圖的第一具體實施例。圖2揭露了本發明的行動交易櫃檯1，所述行動交易櫃檯1是以手機來實現，所述手機具備現有的手機不具備或不必然具備的特定硬體元件，而具有可追溯持有人身分之特性。 Please refer to FIG. 2 , which is a first specific embodiment of the block diagram of the mobile transaction counter of the present invention. FIG. 2 discloses the mobile transaction counter 1 of the present invention. The mobile transaction counter 1 is implemented by a mobile phone. The mobile phone has specific hardware components that the existing mobile phone does not have or does not necessarily have, but has a traceable holder. characteristics of identity.

如圖2所示，本發明的行動交易櫃檯1主要具有處理單元11、認證單元12、資料取得單元13及電信通訊單元14，其中認證單元12與資料取得單元13分別電性連接處理單元11，電信通訊單元14電性連接認證單元12。本發明中，公司、分公司或加盟店的負責人可使用認證單元12的認證資料向後端伺服器3進行註冊登錄，以令此手機成為能夠合法代表公司、分公司或加盟店的行動交易櫃檯1。 As shown in FIG. 2, the mobile transaction counter 1 of the present invention mainly includes a processing unit 11, an authentication unit 12, a data acquisition unit 13 and a telecommunication unit 14, wherein the authentication unit 12 and the data acquisition unit 13 are respectively electrically connected to the processing unit 11, The telecommunication unit 14 is electrically connected to the authentication unit 12 . In the present invention, the person in charge of the company, branch or franchise can use the authentication data of the authentication unit 12 to register and log in to the back-end server 3, so that the mobile phone can become a mobile transaction counter that can legally represent the company, branch or franchise. 1.

舉例來說，若一隻手機(下稱第一手機)具有所述認證單元12，而認證單元12中包含電子身分證晶片121與安全晶片123，則第一手機可被分公司或是加盟店所使用。具體地，使用者可使用第一手機中的電子身分證晶片121與安全晶片123的相關資訊向總公司(即，所述後端伺服器3)進行登錄註冊，以藉由第一手機取得分公司或是加盟店的授權身分，藉此令第一手機成為總公司認可的行動交易櫃檯，而可為分公司或是加盟店執行商業交易行為。 For example, if a mobile phone (hereinafter referred to as the first mobile phone) has the authentication unit 12, and the authentication unit 12 includes the electronic ID card chip 121 and the security chip 123, the first mobile phone can be used by a branch company or a franchise store used. Specifically, the user can use the relevant information of the electronic ID card chip 121 and the security chip 123 in the first mobile phone to log in and register with the head office (ie, the back-end server 3 ), so as to obtain points through the first mobile phone The authorized identity of the company or franchise store, so that the first mobile phone becomes the mobile trading counter recognized by the head office, and can perform commercial transactions for the branch company or franchise store.

具體來說，由於一般分公司、加盟店在執行交易時並不需要使用公司大小章(該公司大小章即對應至本發明中的認證單元12中的數位簽章晶片122)，因此分公司、加盟店所使用的行動交易櫃檯(即，所述第一手機)可以不需要具備上述數位簽章晶片122。相對地，缺少數位簽章晶片122的行動交易櫃檯將不能執行需要進行文件簽署(例如保險業務員與被保人員的保險文件簽署、資產買賣的資產文件簽署等)的合約式交易，而與總公司所使用的行動交易櫃檯略有不同。 Specifically, since general branches and franchise stores do not need to use the company-sized seal (the company-sized seal corresponds to the digital signature chip 122 in the authentication unit 12 in the present invention) when executing transactions, the branch, The mobile transaction counter (ie, the first mobile phone) used by the franchise store may not need to have the above-mentioned digital signature chip 122 . In contrast, the mobile transaction counter lacking the digital signature chip 122 will not be able to perform contractual transactions that require document signing (such as the signing of insurance documents between insurance salespersons and insured persons, and the signing of asset documents for asset purchases and sales, etc.). The mobile trading desk used by the company is slightly different.

再者，若一隻手機(下稱第二手機)具有所述認證單元12，且認證單元12中同時包含電子身分證晶片121、數位簽章晶片122及安全晶片123，則第二手機可被總公司所使用。具體地，使用者可使用第二手機中的電子身分證晶片121、數位簽章晶片122及安全晶片123的相關資訊來依法(例如公司法)向政府機關(即，所述後端伺服器3)進行註冊登錄，以令第二手機成為能夠合法代表公司的行動交易櫃檯1。如此一來，一般消費者可以在此行動交易櫃檯1上辦理原先需親臨所述公司、分公司或加盟店的櫃檯辦理的業務，而公司可通過此行動交易櫃檯1來與消費者簽訂合約，以完成合約式的交易。 Furthermore, if a mobile phone (hereinafter referred to as the second mobile phone) has the authentication unit 12, and the authentication unit 12 also includes the electronic ID card chip 121, the digital signature chip 122 and the security chip 123, the second mobile phone can be used by the head office. Specifically, the user can use the relevant information of the electronic ID card chip 121, the digital signature chip 122 and the security chip 123 in the second mobile phone to report to the government agency (ie, the backend server 3) according to the law (for example, the company law). ) to register and log in, so that the second mobile phone can become a mobile trading counter 1 that can legally represent the company. In this way, the general consumer can handle the business on the mobile trading counter 1 that was previously required to be handled at the counter of the company, branch or franchise store, and the company can sign a contract with the consumer through the mobile trading counter 1. to complete contractual transactions.

一般來說，依據公司法申請公司成立的要件至少包括：(一)公司名稱；(二)營業項目；(三)負責人身分；(四)公司大小章；(五)營業地址；(六)銀行戶頭； (七)線上刷卡服務；(八)開立***；及(九)依法繳稅。 Generally speaking, the requirements for applying for company establishment according to the Company Law include at least: (1) company name; (2) business items; (3) person in charge; (4) company size seal; (5) business address; (6) bank account; (7) Online card swiping service; (8) Invoice issuance; and (9) Tax payment according to law.

其中，公司名稱可設定為人名、公司名或手機持有人的姓名(即，以電子身分證晶片121的資訊註冊為公司名稱)；負責人身分可綁定電子身分證晶片121的電子身分資料；公司大小章可綁定數位簽章晶片122的資料(即，以數位簽章晶片122的資訊註冊為公司大小章)；營業地址可綁定行動交易櫃檯1的GPS位置；線上刷卡服務可綁定安全晶片123的資料(即，以安全晶片123來申請公司的線上刷卡服務)。並且，由行動交易櫃檯1處理完成的交易資料，可協助公司開立***並且進行繳稅。 Among them, the company name can be set as the person's name, the company name or the name of the mobile phone holder (that is, the information of the electronic ID card chip 121 is registered as the company name); ; The company seal can be bound with the data of the digital signature chip 122 (ie, the information of the digital signature chip 122 can be registered as the company seal); the business address can be bound to the GPS location of the mobile transaction counter 1; the online card swiping service can be bound information of the security chip 123 (ie, use the security chip 123 to apply for the company's online card swiping service). In addition, the transaction data processed by the mobile transaction counter 1 can assist the company to issue invoices and pay taxes.

於一實施例中，上述電子身分證晶片121可為採用物理反複製技術(Physically Unclonable Function,PUF)的晶片，安全晶片123可為採用可信平台模組2.0(Trusted Platform Module 2.0,TPM 2.0)的晶片，而數位簽章晶片122可綁定特定的人、事、時、地及物的至少其中之一以產生無法竄改、偽造的數位簽章。並且，所述認證單元12可由分開的電子身分證晶片121、數位簽章晶片122與安全晶片123來實現，亦可將電子身分證晶片121、數位簽章晶片122與安全晶片123整合為單一晶片以做為所述認證單元12，不加以限定。 In one embodiment, the electronic ID card chip 121 can be a chip using Physical Unclonable Function (PUF) technology, and the security chip 123 can be a chip using Trusted Platform Module 2.0 (TPM 2.0) The digital signature chip 122 can bind at least one of a specific person, event, time, place and object to generate a digital signature that cannot be tampered with or forged. In addition, the authentication unit 12 can be realized by separate electronic ID card chip 121, digital signature chip 122 and security chip 123, or the electronic ID card chip 121, digital signature chip 122 and security chip 123 can also be integrated into a single chip As the authentication unit 12, it is not limited.

回到圖2。於進行交易時，行動交易櫃檯1可通過處理單元11控制資料取得單元13，以通過資料取得單元13來從外部取得消費者的交易資料，以與消費者進行交易。 Back to Figure 2. During the transaction, the mobile transaction counter 1 can control the data acquisition unit 13 through the processing unit 11, so as to acquire the consumer's transaction data from the outside through the data acquisition unit 13, so as to conduct transactions with the consumer.

於一實施例中，所述資料取得單元13可為近場通訊(Near Field Communication,NFC)讀寫單元131。於此實施例中，行動交易櫃檯1可通過NFC 讀寫單元131無線感應消費者的交易卡片2(例如具有NFC功能的***或提款卡)，或是消費者手機5(例如具有NFC功能的手機)，以取得所述交易資料。 In one embodiment, the data acquisition unit 13 may be a near field communication (NFC) read/write unit 131 . In this embodiment, the mobile transaction counter 1 can The read-write unit 131 wirelessly senses the consumer's transaction card 2 (such as a credit card or ATM card with NFC function), or the consumer's mobile phone 5 (such as a mobile phone with NFC function) to obtain the transaction data.

於另一實施例中，所述資料取得單元13可為條碼讀取器132。於此實施例中，行動交易櫃檯1可通過條碼讀取器132掃描消費者使用的手機上顯示的交易條碼51(例如為二維條碼)，並且對交易條碼51進行解析後取得所述交易資料。惟，上述僅為本發明的具體實施範例，但不以上述為限。 In another embodiment, the data obtaining unit 13 can be a barcode reader 132 . In this embodiment, the mobile transaction counter 1 can scan the transaction barcode 51 (such as a two-dimensional barcode) displayed on the mobile phone used by the consumer through the barcode reader 132, and obtain the transaction data after analyzing the transaction barcode 51. . However, the above are only specific embodiments of the present invention, but are not limited to the above.

於取得交易資料後，處理單元11進一步通過認證單元12中的電子身分證晶片121與數位簽章晶片122(如果認證單元12具有數位簽章晶片122)對交易資料進行處理，以產生交易相關資料，並且再通過認證單元12中的安全晶片123的處理而經由電信通訊單元14將交易相關資料傳送至後端伺服器3，以進行驗證。並且，行動交易櫃檯1可於交易相關資料的驗證通過後完成此筆交易。 After obtaining the transaction data, the processing unit 11 further processes the transaction data through the electronic ID card chip 121 and the digital signature chip 122 in the authentication unit 12 (if the authentication unit 12 has the digital signature chip 122 ) to generate transaction-related data , and through the processing of the security chip 123 in the authentication unit 12, the transaction-related data is transmitted to the back-end server 3 via the telecommunication unit 14 for verification. Moreover, the mobile transaction counter 1 can complete the transaction after the verification of the transaction-related information is passed.

如前文中所述，本發明中的行動交易櫃檯1是以手機來實現，故行動交易櫃檯1可通過電信通訊單元14連接手機網路，並藉由手機網路連接後端伺服器3。 As mentioned above, the mobile transaction counter 1 in the present invention is implemented by a mobile phone, so the mobile transaction counter 1 can be connected to the mobile phone network through the telecommunication unit 14, and connected to the backend server 3 through the mobile phone network.

於一實施例中，所述後端伺服器3可例如包括認證中心31、清算中心32、資料中心33與管理中心34等，但不加以限定。本發明中，公司主要可持實名制手機(即，具備上述認證單元12的手機)至上述認證中心31、清算中心32、資料中心33或管理中心34進行註冊登錄，以令手機成為能夠合法代表公司的行動交易櫃檯1。因此，於行動交易櫃檯1取得交易資料並產生交易相關資料後，是由所述認證中心31、清算中心32、資料中心33或管理中心34來與行動交易櫃檯1共同對交易相關資料進行驗證。 In one embodiment, the backend server 3 may include, for example, an authentication center 31 , a clearing center 32 , a data center 33 , and a management center 34 , but not limited thereto. In the present invention, the company can mainly hold a real-name mobile phone (ie, a mobile phone with the above-mentioned authentication unit 12) to the above-mentioned authentication center 31, clearing center 32, data center 33 or management center 34 for registration and login, so that the mobile phone can legally represent the company. Action Trading Desk 1. Therefore, after the mobile transaction counter 1 obtains the transaction data and generates the transaction related data, the authentication center 31 , the clearing center 32 , the data center 33 or the management center 34 jointly verifies the transaction related data with the mobile transaction counter 1 .

具體地，於一實施例中，公司在使用行動交易櫃檯1向上述中心31-34(即，後端伺服器3)進行註冊登錄時，可同時與後端伺服器3約定特定加密方式。在驗證程序中，行動交易櫃檯1與後端伺服器3可以分別執行所約定的特定加密方式以對所述交易相關資料進行驗證。如此一來，行動交易櫃檯1與後端伺服器3之間不需要傳送消費者密碼，意即，不需要使用公鑰、秘鑰等傳統加密方法，即可進行驗證，藉此可有效提高交易安全性。 Specifically, in an embodiment, when the company uses the mobile transaction counter 1 to register and log in with the above-mentioned centers 31 - 34 (ie, the backend server 3 ), the company can agree on a specific encryption method with the backend server 3 at the same time. In the verification procedure, the mobile transaction counter 1 and the back-end server 3 can respectively execute the agreed specific encryption method to verify the transaction-related data. In this way, the consumer password does not need to be transmitted between the mobile transaction counter 1 and the back-end server 3, that is, verification can be performed without using traditional encryption methods such as public keys and secret keys, thereby effectively improving transaction security. sex.

於本實施例中，所述特定加密方式可例如為三重資料加密演算法(Triple Data Encryption Algorithm,3DES)、對稱式加密演算法、非對稱式加密演算法及雜湊訊息鑑別碼(Hash-based Message Authentication Code,HMAC)演算法的至少其中之一，不加以限定。 In this embodiment, the specific encryption method may be, for example, Triple Data Encryption Algorithm (3DES), symmetric encryption algorithm, asymmetric encryption algorithm, and hash-based message authentication code (Hash-based Message Authentication Code). At least one of Authentication Code, HMAC) algorithms, which is not limited.

本發明中，行動交易櫃檯1依據消費者的交易資料、電子身分證晶片121的電子身分資料及數位簽章晶片122的數位簽章資料(於行動交易櫃檯1具備數位簽章晶片122的情況下)產生交易相關資料，並將交易相關資料傳送至後端伺服器3。接著，行動交易櫃檯1與後端伺服器3分別通過預先約定的特定加密方式對交易相關資料進行計算並得出計算結果。接著，行動交易櫃檯1可以比對兩邊的計算結果是否相符，以判斷交易相關資料是否驗證成功。於上述驗證程序中，行動交易櫃檯1不需要於手機網路上傳送消費者密碼、公鑰及私鑰，而可有效提高安全性。 In the present invention, the mobile transaction counter 1 uses the consumer's transaction data, the electronic identity data of the electronic ID card chip 121 and the digital signature data of the digital signature chip 122 (in the case that the mobile transaction counter 1 has the digital signature chip 122 ) ) generates transaction-related data, and transmits the transaction-related data to the backend server 3 . Next, the mobile transaction counter 1 and the back-end server 3 respectively calculate the transaction-related data through a pre-agreed specific encryption method and obtain the calculation result. Next, the mobile transaction counter 1 can compare whether the calculation results on both sides are consistent, so as to determine whether the verification of the transaction-related data is successful. In the above verification process, the mobile transaction counter 1 does not need to transmit the consumer's password, public key and private key on the mobile phone network, which can effectively improve the security.

當所述交易相關資料驗證成功後，行動交易櫃檯1即可登錄此筆交易資料，並且以此筆交易資料來更新消費者的帳戶資料，例如將消費金額記錄至***賬單中，或是將儲值金額記錄至卡片餘額中，但不加以限定。 After the transaction-related information is successfully verified, the mobile transaction counter 1 can log in the transaction information, and use the transaction information to update the consumer's account information, such as recording the consumption amount in the credit card bill, or storing the transaction information. The value amount is recorded in the card balance, but not limited.

於一實施例中，行動交易櫃檯1可以在上述交易相關資料驗證成功後，同時依據交易資料開立電子***，並且經由手機網路將電子***傳送至消費者的電子信箱，以完成一筆合法開立***的交易行為。 In an embodiment, the mobile transaction counter 1 can issue an electronic invoice based on the transaction data after the above-mentioned transaction-related data is successfully verified, and transmit the electronic invoice to the consumer's electronic mailbox via the mobile phone network, so as to complete a legal transaction. Invoice transaction behavior.

於另一實施例中，行動交易櫃檯1還可進一步具有電性連接處理單元11的無線傳輸單元15(例如為藍牙傳輸單元)。於此實施例中，行動交易櫃檯1可通過無線傳輸單元15連接外部的***機4，並且於上述交易相關資料驗證成功後將交易資料傳輸至***機4，以開立紙本***。 In another embodiment, the mobile transaction counter 1 may further include a wireless transmission unit 15 (eg, a Bluetooth transmission unit) electrically connected to the processing unit 11 . In this embodiment, the mobile transaction counter 1 can be connected to the external invoice machine 4 through the wireless transmission unit 15 , and after the transaction-related data is successfully verified, the transaction data is transmitted to the invoice machine 4 to issue a paper invoice.

於行動交易櫃檯更新了消費者的帳戶資料(有記錄而需合法繳稅)，並且開立了電子***或紙本***後，公司即依法完成了此筆交易。 After the consumer's account information is updated at the mobile transaction counter (there is a record and the tax must be paid legally), and the electronic invoice or paper invoice is issued, the company has completed the transaction in accordance with the law.

值得一提的是，行動交易櫃檯1還可進一步具有電性連接處理單元11的輸入單元16。當行動交易櫃檯1通過資料取得單元13取得消費者的上述交易資料時，可同時通過輸入單元16接收消費者輸入的驗證資訊。於本實施例中，處理單元11係需對驗證資訊進行驗證，並且於驗證資訊驗證通過後才會控制電子身分證晶片121及數位簽章晶片122對交易資料進行處理。通過上述驗證機制的設置，可以更進一步提昇消費者進行支付時的安全性。 It is worth mentioning that the mobile transaction counter 1 may further have an input unit 16 that is electrically connected to the processing unit 11 . When the mobile transaction counter 1 obtains the above-mentioned transaction data of the consumer through the data obtaining unit 13 , it can simultaneously receive the verification information input by the consumer through the input unit 16 . In this embodiment, the processing unit 11 needs to verify the verification information, and controls the electronic ID card chip 121 and the digital signature chip 122 to process the transaction data only after the verification information is passed. Through the setting of the above verification mechanism, the security of consumers during payment can be further improved.

於一實施例中，所述輸入單元16可例如為鍵盤、觸控螢幕、相機等，所述驗證資訊可例如消費者密碼、指紋、虹膜或臉部影像等，但不加以限定。 In one embodiment, the input unit 16 can be, for example, a keyboard, a touch screen, a camera, etc., and the verification information can be, but not limited to, a consumer password, fingerprint, iris, or facial image.

值得一提的是，若行動交易櫃檯1具備有上述數位簽章晶片122，則行動交易櫃檯1可被用來與消費者進行文件簽署(例如保險文件簽署、資產文件簽署等)，進而完成合約式交易。於此種交易模式下，所述交易資料中不必然 包括消費金額，故於交易相關資料驗證成功後，行動交易櫃檯1可以生成合約以取代前述更新***賬單、卡片餘額等動作，但不加以限定。 It is worth mentioning that, if the mobile transaction counter 1 is provided with the above-mentioned digital signature chip 122, the mobile transaction counter 1 can be used to sign documents (such as insurance documents, asset documents, etc.) with consumers to complete the contract. transaction. Under this transaction mode, the transaction information does not necessarily Including the consumption amount, so after the transaction-related information is successfully verified, the mobile transaction counter 1 can generate a contract to replace the aforementioned actions such as updating the credit card bill, card balance, etc., but not limited thereto.

續請參閱圖3，為本發明的行動交易櫃檯的登錄流程圖的第一具體實施例。圖3揭露了本發明的行動交易櫃檯在進行交易前的註冊登錄程序，並且所述註冊登錄程序主要應用於如圖2所示的行動交易櫃檯1。 Please refer to FIG. 3 , which is a first specific embodiment of the login flowchart of the mobile transaction counter of the present invention. FIG. 3 discloses the registration and login procedure of the mobile transaction counter of the present invention before the transaction, and the registration and login procedure is mainly applied to the mobile transaction counter 1 shown in FIG. 2 .

如圖3所示，首先，由公司人員(例如負責人)確認其手機是否具有所述電子身分證晶片121、數位簽章晶片122與安全晶片123(步驟S10)。若手機不具備上述電子身分證晶片121、數位簽章晶片122與安全晶片123，表示此手機無法滿足合法代表公司進行交易的基本要求(即，非為實名制手機、無法追蹤也無法進行合約式交易)，因此無法以此手機申請做為公司的行動交易櫃檯。 As shown in FIG. 3 , firstly, the company personnel (eg, the person in charge) confirms whether the mobile phone has the electronic ID card chip 121 , the digital signature chip 122 and the security chip 123 (step S10 ). If the mobile phone does not have the above-mentioned electronic ID card chip 121, digital signature chip 122 and security chip 123, it means that the mobile phone cannot meet the basic requirements for legal transactions on behalf of the company (that is, it is not a real-name mobile phone, cannot be traced, and cannot conduct contract transactions). ), so this mobile phone application cannot be used as the company's mobile trading counter.

若手機確實具備上述電子身分證晶片121、數位簽章晶片122與安全晶片123，則公司負責人可依據手機的電子身分證晶片121、數位簽章晶片122及安全晶片123向後端伺服器3進行註冊登錄(步驟S12)。具體地，公司負責人主要可向所述認證中心31、清算中心32、資料中心33及管理中心34的至少其中之一進行註冊登錄，其中，以電子身分證晶片121的資訊註冊為公司的名稱，以安全晶片123申請公司的線上刷卡服務，並以數位簽章晶片122的資訊註冊為公司的大小章。 If the mobile phone does have the above-mentioned electronic ID card chip 121, digital signature chip 122 and security chip 123, the person in charge of the company can send the information to the back-end server 3 according to the electronic ID card chip 121, digital signature chip 122 and security chip 123 of the mobile phone. Register and log in (step S12). Specifically, the person in charge of the company can mainly register with at least one of the authentication center 31 , the clearing center 32 , the data center 33 and the management center 34 , wherein the information of the electronic ID card chip 121 is registered as the name of the company , use the security chip 123 to apply for the company's online card swiping service, and use the information of the digital signature chip 122 to register as the company's size seal.

於一實施例中，所述電子身分證晶片121可為採用PUF技術的晶片，安全晶片123可為採用TPM 2.0規範的晶片，數位簽章晶片122可為綁定特定的人、事、時、地及物的至少其中之一以產生數位簽章的晶片，但不以此為限。 In one embodiment, the electronic ID card chip 121 can be a chip using PUF technology, the security chip 123 can be a chip using the TPM 2.0 specification, and the digital signature chip 122 can be a chip bound to a specific person, event, time, etc. At least one of the transition objects is a chip for generating a digital signature, but not limited thereto.

接著，公司負責人可於註冊登錄時，與後端伺服器3約定一個特定加密方式(步驟S14)。藉此，行動交易櫃檯1和後端伺服器3在後續的交易程序中可以採用相同的加密方式來進行驗證，以達到避免於公開的網路上傳送密碼、公鑰及私鑰等資訊的目的，進而提高交易安全性。 Next, the person in charge of the company may agree on a specific encryption method with the backend server 3 during registration and login (step S14). In this way, the mobile trading counter 1 and the back-end server 3 can use the same encryption method for verification in subsequent trading procedures, so as to avoid transmitting information such as passwords, public keys and private keys on the open network. This improves transaction security.

於一實施例中，所述特定加密方式可例如為3DES演算法、對稱式加密演算法、非對稱式加密演算法及HMAC演算法的至少其中之一，但不加以限定。 In an embodiment, the specific encryption method may be at least one of, but not limited to, 3DES algorithm, symmetric encryption algorithm, asymmetric encryption algorithm and HMAC algorithm.

最後，於特定加密方式約定完成後，公司負責人即可將所述手機轉換為合法代表公司的行動交易櫃檯1(步驟S16)，並可通過行動交易櫃檯1來代表公司辦理商品買賣、電子交易、金融操作、文件簽署等商業行為。 Finally, after the agreement on the specific encryption method is completed, the person in charge of the company can convert the mobile phone into a mobile transaction counter 1 that legally represents the company (step S16 ), and can handle commodity trading and electronic transactions on behalf of the company through the mobile transaction counter 1 , financial operations, document signing and other business activities.

續請參閱圖4，為本發明的行動交易櫃檯的交易流程圖的第一具體實施例。圖4揭露了本發明的行動交易櫃檯在進行交易時的交易程序，所述交易程序主要應用於如圖2所示的行動交易櫃檯1。 Please refer to FIG. 4 , which is a first specific embodiment of the transaction flow chart of the mobile transaction counter of the present invention. FIG. 4 discloses the transaction procedure of the mobile transaction counter of the present invention when performing transactions, and the transaction procedure is mainly applied to the mobile transaction counter 1 shown in FIG. 2 .

如圖4所示，於進行交易時，公司人員(例如負責人、店員或相關服務提供者)可操作已經註冊登錄完成的行動交易櫃檯1，並通過行動交易櫃檯1上的資料取得單元13來取得消費者的交易資料(步驟S20)，並且同時接收消費者輸入的驗證資訊(步驟S22)。 As shown in FIG. 4 , when conducting a transaction, company personnel (such as the person in charge, store clerk or related service provider) can operate the mobile transaction counter 1 that has been registered and logged in, and use the data acquisition unit 13 on the mobile transaction counter 1 to obtain information. Acquire the transaction data of the consumer (step S20 ), and simultaneously receive the verification information input by the consumer (step S22 ).

本實施例中，所述資料取得單元13可例如為NFC讀寫單元131或條碼讀取器132。於前述步驟S20中，行動交易櫃檯1主要可通過NFC讀寫單元131無線感應消費者的交易卡片2或消費者手機5，或是通過條碼讀取器132掃描消費者手機5上顯示的交易條碼51，以取得所述交易資料。 In this embodiment, the data acquisition unit 13 may be, for example, an NFC read/write unit 131 or a barcode reader 132 . In the aforementioned step S20, the mobile transaction counter 1 can wirelessly sense the consumer's transaction card 2 or the consumer's mobile phone 5 mainly through the NFC read-write unit 131, or scan the transaction barcode displayed on the consumer's mobile phone 5 through the barcode reader 132. 51 to obtain the transaction information.

於步驟S22後，行動交易櫃檯1通過處理單元11判斷消費者輸入的驗證資訊是否正確(步驟S24)，例如消費者輸入的密碼是否正確，或是消費者輸入的指紋、虹膜或臉部影像等資訊是否與預儲存的消費者資訊相符。若處理單元11對於驗證資訊的驗證失敗，則返回步驟S20，以重新取得消費者的交易資料以及驗證資訊。 After step S22, the mobile transaction counter 1 determines through the processing unit 11 whether the verification information input by the consumer is correct (step S24), such as whether the password entered by the consumer is correct, or the fingerprint, iris or facial image entered by the consumer, etc. Whether the information matches pre-stored consumer information. If the processing unit 11 fails to verify the verification information, it returns to step S20 to re-acquire the consumer's transaction data and verification information.

若處理單元11對於驗證資訊的驗證通過，則處理單元11進一步控制電子身分證晶片121對交易資料進行處理，以產生交易相關資料(步驟S26)。具體地，所述交易相關資料是以加密的方式形成，並且其內容至少包含了所述交易資料以及所述電子身分證晶片121的電子身分資料。於一實施例中，所述交易資料可例如為消費者資訊、***資訊、交易標的、交易金額、交易地點與交易時間等，所述電子身分資料可例如為公司負責人的姓名、身分證字號等，但不加以限定。 If the verification of the verification information by the processing unit 11 is passed, the processing unit 11 further controls the electronic ID card chip 121 to process the transaction data to generate transaction-related data (step S26 ). Specifically, the transaction-related data is formed in an encrypted manner, and its content at least includes the transaction data and the electronic identity data of the electronic ID card chip 121 . In one embodiment, the transaction data can be, for example, consumer information, credit card information, transaction object, transaction amount, transaction location and transaction time, etc. The electronic identity data can be, for example, the name and ID number of the person in charge of the company. etc., but not limited.

於另一實施例中，處理單元11於步驟S26中係控制電子身分證晶片121以及數位簽章晶片122同時對交易資料進行處理。於此實施例中，所產生的交易相關資料進一步包含了數位簽章晶片122依據交易時的人、事、時、地、物等參數的至少其中之一所產生的數位簽章，因此可更進一步提高交易安全性。 In another embodiment, the processing unit 11 controls the electronic ID card chip 121 and the digital signature chip 122 to process the transaction data at the same time in step S26. In this embodiment, the generated transaction-related data further includes a digital signature generated by the digital signature chip 122 according to at least one of parameters such as person, event, time, place, and object during the transaction, so it can be updated. Further improve transaction security.

步驟S26後，處理單元11進一步控制安全晶片123對所產生的交易相關資料進行處理，並經由電信通訊單元14將交易相關資料傳送至後端伺服器3(步驟S28)，以令後端伺服器3與行動交易櫃檯1共同執行驗證程序。 After step S26, the processing unit 11 further controls the security chip 123 to process the generated transaction-related data, and transmits the transaction-related data to the back-end server 3 via the telecommunication unit 14 (step S28), so that the back-end server 3. Perform the verification procedure together with the mobile trading desk 1.

於一實施例中，行動交易櫃檯1與後端伺服器3可分別於步驟S28後取得交易相關資料，並且分別依據在前述步驟S14中約定的特定加密方式對 交易相關資料進行計算(例如通過3DES演算法、對稱式加密演算法、非對稱式加密演算法或HMAC演算法進行計算)，以分別得出一個計算結果(例如由行動交易櫃檯1產生第一計算結果，並由後端伺服器3產生第二計算結果)。 In one embodiment, the mobile transaction counter 1 and the back-end server 3 can obtain transaction-related data after step S28, respectively, and encrypt the transaction data according to the specific encryption method agreed in the aforementioned step S14. The transaction-related data is calculated (for example, by 3DES algorithm, symmetric encryption algorithm, asymmetric encryption algorithm or HMAC algorithm) to obtain a calculation result (such as the first calculation generated by the mobile trading desk 1). result, and the second calculation result is generated by the backend server 3).

接著，後端伺服器3可將第二計算結果傳送至行動交易櫃檯1，並由行動交易櫃檯1的處理單元11依據第一計算結果的內容與第二計算結果的內容來判斷交易相關資訊是否驗證通過(步驟S30)。 Next, the back-end server 3 can transmit the second calculation result to the mobile transaction counter 1, and the processing unit 11 of the mobile transaction counter 1 can determine whether the transaction-related information is based on the content of the first calculation result and the content of the second calculation result. The verification is passed (step S30).

具體地，行動交易櫃檯1可於第一計算結果的內容與第二計算結果的內容不同時判斷交易相關資訊的驗證失敗，並於第一計算結果的內容與第二計算結果的內容相同時判斷交易相關資訊的驗證通過。 Specifically, the mobile transaction counter 1 can determine that the verification of the transaction-related information has failed when the content of the first calculation result is different from the content of the second calculation result, and judge when the content of the first calculation result is the same as the content of the second calculation result The verification of transaction-related information is passed.

值得一提的是，於其他實施例中，亦可由行動交易櫃檯1將第一計算結果傳送至後端伺服器3，並由後端伺服器3來判斷交易相關資訊是否驗證通過。 It is worth mentioning that, in other embodiments, the mobile trading desk 1 can also transmit the first calculation result to the back-end server 3, and the back-end server 3 can determine whether the transaction-related information is verified.

當行動交易櫃檯1(或後端伺服器3)判斷交易相關資訊的驗證失敗時，即可於行動交易櫃檯1的螢幕上顯示交易失敗訊息(步驟S32)。 When the mobile transaction counter 1 (or the backend server 3 ) determines that the verification of the transaction-related information fails, a transaction failure message can be displayed on the screen of the mobile transaction counter 1 (step S32 ).

當行動交易櫃檯1(或後端伺服器3)判斷交易相關資訊的驗證成功後，行動交易櫃檯1即可通過處理單元11進一步登錄此筆交易資料(步驟S34)，並且依據此筆交易資料更新消費者的帳戶資料(步驟S36)。進一步，行動交易櫃檯1可依據此筆交易資料來開立電子***或紙本***(步驟S38)。於步驟S38後，公司即通過行動交易櫃檯1完成了此筆交易。 When the mobile transaction counter 1 (or the back-end server 3) determines that the verification of the transaction-related information is successful, the mobile transaction counter 1 can further log in the transaction data through the processing unit 11 (step S34), and update the transaction data according to the transaction data. Consumer's account information (step S36). Further, the mobile transaction counter 1 can issue an electronic invoice or a paper invoice according to the transaction data (step S38). After step S38, the company completes the transaction through the mobile transaction counter 1.

通過本發明的行動交易櫃檯及其交易方法，一般公司的負責人能夠以手機向有關單位進行註冊登錄，而使得該手機成為公司合法的行動交易櫃檯。藉此，公司可以通過行動交易櫃檯在不同的地點接受消費者辨理原本需要 臨櫃才能辦理的業務，從而提高了交易便利性。並且，由於本發明是以實名制手機來做為行動交易櫃檯，因此公司可以完整追蹤並登記每一筆交易資料，進而能夠合法繳稅並提供***，使得移動式的交易櫃檯變成可能。 Through the mobile trading counter and the trading method thereof of the present invention, the person in charge of a general company can register and log in to the relevant unit with a mobile phone, so that the mobile phone becomes the legal mobile trading counter of the company. By doing so, the company can accept consumer discrimination at different locations through the mobile trading desk Businesses that can only be handled at the counter, thereby improving the convenience of transactions. Moreover, since the present invention uses a real-name mobile phone as a mobile transaction counter, the company can completely track and register each transaction information, and then can legally pay taxes and provide invoices, making a mobile transaction counter possible.

另外，藉由本發明的技術方案，也同時提供了傳統網路銀行的服務必須臨櫃辦理的解決方案。具體地，現行法律規定銀行卡的發卡必須要由申請人持雙證件至銀行臨櫃才能辦理，主要目的是要在發卡前確認申請人的真實身份。然而，網路銀行並沒有實體店面，因此無法循傳統銀行的模式來進行網路銀行卡的發卡動作。 In addition, the technical solution of the present invention also provides a solution that traditional online banking services must be handled at the counter. Specifically, the current law stipulates that the issuance of bank cards must be handled only by the applicant holding two documents at the bank counter. The main purpose is to confirm the true identity of the applicant before issuing the card. However, online banking does not have a physical storefront, so it cannot follow the model of traditional banks to issue online banking cards.

通過本發明的技術方案，則因手機(即，上述之行動交易櫃檯)中已內建了電子身分證晶片121、數位簽章晶片122及安全晶片123，不但可確認並追蹤手機持有人的身分，亦可提供高安全性的資訊傳輸功能，因此，網路銀行可以在線上直接經由所述手機來確認申請人的身分，進而直接發行網路銀行卡，使得申請人可以隨處進行儲值、消費。 Through the technical solution of the present invention, since the electronic ID card chip 121, the digital signature chip 122 and the security chip 123 have been built in the mobile phone (ie, the above-mentioned mobile transaction counter), not only can the mobile phone holder be confirmed and tracked It can also provide high-security information transmission function. Therefore, online banking can directly confirm the identity of the applicant through the mobile phone online, and then directly issue an online bank card, so that the applicant can store value anywhere, Consumption.

再者，藉由本發明的技術方案，還可解決目前網路銀行提供應用程式介面(Application Programming Interface,API)給網頁客戶時必須要臨櫃辦理的問題。具體地，網路銀行端在提供API相關程式以及簽訂合約時，都必須與申請人面對面進行洽談審核，因此需請申請人臨檯進行辦理。然而，通過本發明的技術方案，因手機中已內建了電子身分證晶片121、數位簽章晶片122及安全晶片123，因此網路銀行端可以在線上直接與申請人進行身分、合約內容及程式內容的確認動作，使得申請人不再需要臨檯辦理。再者，因為所述合約及程式內容在數位簽章晶片122的參與下是無法被竄改、複製的，並且也不會因為審查疏失而讓駭客程式或是釣魚程式上線。 Furthermore, the technical solution of the present invention can also solve the problem that the current Internet bank has to go to the counter when providing an Application Programming Interface (API) to a web customer. Specifically, when the online bank provides API-related programs and signs contracts, it must negotiate and review face-to-face with the applicant, so the applicant needs to be asked to handle it on the spot. However, through the technical solution of the present invention, since the electronic ID card chip 121, the digital signature chip 122 and the security chip 123 are built in the mobile phone, the online banking terminal can directly conduct identity, contract content and online identification with the applicant. The confirmation action of the program content makes the applicant no longer need to go to the stage for processing. Furthermore, because the contract and program content cannot be tampered with or copied with the participation of the digital signature chip 122, and hacker programs or phishing programs will not be allowed to go online due to negligence in censorship.

以上所述僅為本發明之較佳具體實例，非因此即侷限本發明之專利範圍，故舉凡運用本發明內容所為之等效變化，均同理皆包含於本發明之範圍內，合予陳明。 The above description is only a preferred specific example of the present invention, and therefore does not limit the scope of the patent of the present invention. Therefore, all equivalent changes made by using the content of the present invention are all included in the scope of the present invention. bright.

1:行動交易櫃檯 1: Mobile Trading Desk

11:處理單元 11: Processing unit

12:認證單元 12: Authentication unit

121:電子身分證晶片 121: Electronic ID Card Chip

122:數位簽章晶片 122: Digital Signature Chip

123:安全晶片 123: Security Chip

13:資料取得單元 13: Data acquisition unit

131:NFC讀寫單元 131: NFC read and write unit

132:條碼讀取器 132: Barcode Reader

14:電信通訊單元 14: Telecom communication unit

15:無線傳輸單元 15: Wireless transmission unit

16:輸入單元 16: Input unit

2:交易卡片 2: Trading Cards

3:後端伺服器 3: Backend server

31:認證中心 31: Certification Center

32:清算中心 32: Clearing House

33:資料中心 33: Data Center

34:管理中心 34: Management Center

4:***機 4: Invoice machine

5:消費者手機 5: Consumer Cell Phones

51:交易條碼 51: Transaction barcode

Claims (12)

一種以實名制手機實現的行動交易櫃檯，包括：一處理單元；一認證單元，電性連接該處理單元，至少包括一電子身分證晶片、一數位簽章晶片及一安全晶片，其中該行動交易櫃檯在交易前通過該電子身分證晶片、該數位簽章晶片及該安全晶片向一後端伺服器進行註冊登錄以合法代表一公司、一分公司或一加盟店，其中以該電子身分證晶片的資訊註冊該公司、該分公司或該加盟店的名稱，以該數位簽章晶片的資訊註冊為該公司、該分公司或該加盟店的大小章，並以該安全晶片申請該公司、該分公司或該加盟店的線上刷卡服務；一電信通訊單元，電性連接該認證單元，該行動交易櫃檯通過該電信通訊單元連接一手機網路；及一資料取得單元，電性連接該處理單元，該行動交易櫃檯通過該資料取得單元從外部取得一消費者的一交易資料；其中，該處理單元將該實名制手機的持有人身分綁定該電子身分證晶片的電子身分資料，依據該交易資料及該行動交易櫃檯自身的認證資料產生一交易相關資料，並通過該安全晶片的處理而經由該電信通訊單元將該交易相關資料傳送該後端伺服器進行驗證；其中，當該交易相關資料驗證成功後，該行動交易櫃檯登錄該交易資料並以該交易資料更新該消費者的一帳戶資料。 A mobile transaction counter realized by a real-name mobile phone, comprising: a processing unit; an authentication unit, electrically connected to the processing unit, at least including an electronic ID card chip, a digital signature chip and a security chip, wherein the mobile transaction counter Register and log in to a back-end server through the electronic ID card chip, the digital signature chip and the security chip before the transaction to legally represent a company, a branch or a franchise store, in which the electronic ID card chip is used for registration and login. Register the name of the company, the branch or the franchise store with the information, register the company, the branch or the franchise store with the information of the digital signature chip, and apply for the company, the branch with the security chip The online card swiping service of the company or the franchise store; a telecommunication and communication unit, which is electrically connected to the authentication unit, and the mobile transaction counter is connected to a mobile phone network through the telecommunication and communication unit; and a data acquisition unit, which is electrically connected to the processing unit, The mobile transaction counter obtains a transaction data of a consumer from the outside through the data acquisition unit; wherein, the processing unit binds the identity of the holder of the real-name mobile phone to the electronic identity data of the electronic ID card chip, and according to the transaction data and the authentication data of the mobile transaction counter itself to generate a transaction-related data, and through the processing of the security chip, the transaction-related data is transmitted to the back-end server through the telecommunication unit for verification; wherein, when the transaction-related data is verified After success, the mobile transaction counter logs in the transaction information and updates an account information of the consumer with the transaction information. 如請求項1所述的以實名制手機實現的行動交易櫃檯，其中該電子身分證晶片為採用物理反複製技術(Physically Unclonable Function,PUF)的晶片，該安全晶片為採用可信平台模組2.0(Trusted Platform Module 2.0,TPM 2.0)的晶片，該數位簽章晶片綁定特定的人、事、時、地及物的至少其中之一以產生數位簽章。 The mobile transaction counter implemented with a real-name mobile phone as described in claim 1, wherein the electronic ID card chip is a chip using Physically Unclonable Function (PUF), and the security chip is a chip using Trusted Platform Module 2.0 ( Trusted Platform Module 2.0, TPM 2.0) chip, the digital signature chip binds at least one of a specific person, thing, time, place and object to generate a digital signature. 如請求項1所述的以實名制手機實現的行動交易櫃檯，其中該行動交易櫃檯於進行註冊登錄時與該後端伺服器約定一特定加密方式，並且該行動交易櫃檯與該後端伺服器分別執行該特定加密方式以驗證該交易相關資料，其中該特定加密方式為三重資料加密演算法(Triple Data Encryption Algorithm,3DES)、對稱式加密演算法、非對稱式加密演算法及雜湊訊息鑑別碼(Hash-based Message Authentication Code,HMAC)演算法的至少其中之一。 The mobile trading counter implemented with a real-name mobile phone according to claim 1, wherein the mobile trading counter and the back-end server agree on a specific encryption method when registering and logging in, and the mobile trading counter and the back-end server are respectively Execute the specific encryption method to verify the transaction-related data, wherein the specific encryption method is triple data encryption algorithm (Triple Data Encryption Algorithm, 3DES), symmetric encryption algorithm, asymmetric encryption algorithm and hash message authentication code ( At least one of the Hash-based Message Authentication Code, HMAC) algorithms. 如請求項1所述的以實名制手機實現的行動交易櫃檯，其中該資料取得單元為一近場通訊(Near Field Communication,NFC)讀寫單元或一條碼讀取器，該行動交易櫃檯通過該NFC讀寫單元無線感應該消費者的一NFC卡片或一NFC手機以取得該交易資料，或通過該條碼讀取器掃描該消費者的一手機上顯示的一二維條碼，其中該二維條碼記錄該交易資料。 The mobile transaction counter implemented with a real-name mobile phone as described in claim 1, wherein the data acquisition unit is a Near Field Communication (NFC) read-write unit or a barcode reader, and the mobile transaction counter passes the NFC The reading and writing unit wirelessly senses an NFC card or an NFC mobile phone of the consumer to obtain the transaction data, or scans a two-dimensional barcode displayed on a mobile phone of the consumer through the barcode reader, wherein the two-dimensional barcode records the transaction information. 如請求項1所述的以實名制手機實現的行動交易櫃檯，其中該行動交易櫃檯於該交易相關資料驗證成功後，依據該交易資料開立一電子***並傳送至該消費者的一電子信箱。 The mobile transaction counter implemented with a real-name mobile phone according to claim 1, wherein the mobile transaction counter issues an electronic invoice according to the transaction data and sends it to an electronic mailbox of the consumer after the transaction-related data is successfully verified. 如請求項1所述的以實名制手機實現的行動交易櫃檯，其中更包括一無線傳輸單元，電性連接該處理單元，該行動交易櫃檯通過該無線傳輸單 元連接一***機，並於該交易相關資料驗證成功後將該交易資料傳輸至該***機以開立一紙本***。 The mobile transaction counter implemented with a real-name mobile phone according to claim 1, further comprising a wireless transmission unit electrically connected to the processing unit, and the mobile transaction counter transmits the wireless transmission order through the mobile transaction counter. The unit is connected to an invoice machine, and after the transaction-related data is successfully verified, the transaction data is transmitted to the invoice machine to issue a paper invoice. 如請求項1所述的以實名制手機實現的行動交易櫃檯，其中更包括一輸入單元，電性連接該處理單元，該行動交易櫃檯通過該輸入單元接收該消費者輸入的一驗證資訊，該處理單元於該驗證資訊驗證通過後控制該電子身分證晶片及該數位簽章晶片對該交易資料進行處理以產生該交易相關資料。 The mobile transaction counter implemented with a real-name mobile phone according to claim 1, further comprising an input unit electrically connected to the processing unit, the mobile transaction counter receives a verification information input by the consumer through the input unit, and the processing The unit controls the electronic ID card chip and the digital signature chip to process the transaction data to generate the transaction-related data after the verification information is verified. 一種以實名制手機實現的行動交易櫃檯的交易方法，該行動交易櫃檯至少包括一處理單元、一認證單元、一電信通訊單元及一資料取得單元，並且該交易方法包括下列步驟：a01)在交易前，該行動交易櫃檯通過該認證單元中的一電子身分證晶片、一數位簽章晶片及一安全晶片向一後端伺服器進行註冊登錄以合法代表一公司、一分公司或一加盟店，其中以該電子身分證晶片的資訊註冊該公司、該分公司或該加盟店的名稱，以該數位簽章晶片的資訊註冊為該公司、該分公司或該加盟店的大小章，並以該安全晶片申請該公司、該分公司或該加盟店的線上刷卡服務，並且將該實名制手機的持有人身分綁定該電子身分證晶片的電子身分資料；a)於交易時，通過該資料取得單元從外部取得一消費者的一交易資料；b)依據該交易資料及該行動交易櫃檯自身的認證資料產生一交易相關資料；c)通過該安全晶片的處理而經由該電信通訊單元將該交易相關資料傳送該後端伺服器進行驗證；及d)當該交易相關資料驗證成功後，登錄該交易資料並以該交易資料更新該消費者的一帳戶資料。 A transaction method of a mobile transaction counter realized by a real-name mobile phone, the mobile transaction counter includes at least a processing unit, an authentication unit, a telecommunication communication unit and a data acquisition unit, and the transaction method includes the following steps: a01) Before the transaction , the mobile transaction counter registers with a back-end server through an electronic ID card chip, a digital signature chip and a security chip in the authentication unit to legally represent a company, a branch or a franchise store, among which Register the name of the company, the branch office or the franchise store with the information on the electronic ID card chip, register the company, the branch office or the franchise store's size seal with the information on the digital signature chip, and use the security The chip applies for the online card swiping service of the company, the branch or the franchise store, and binds the identity of the holder of the real-name mobile phone to the electronic identity information of the electronic ID card chip; a) During the transaction, obtain the unit through the information Obtain a transaction data of a consumer from outside; b) generate a transaction-related data according to the transaction data and the authentication data of the mobile transaction counter itself; c) correlate the transaction through the telecommunication unit through the processing of the security chip The data is sent to the back-end server for verification; and d) when the transaction-related data is successfully verified, log in the transaction data and update an account information of the consumer with the transaction data. 如請求項8所述的以實名制手機實現的行動交易櫃檯的交易方法，其中該步驟a)之前更包括下列步驟：a02)由該行動交易櫃檯與該後端伺服器約定一特定加密方式；其中，於該步驟c)中，該行動交易櫃檯與該後端伺服器分別執行該特定加密方式以驗證該交易相關資料；其中，該電子身分證晶片為採用物理反複製技術(Physically Unclonable Function,PUF)的晶片，該安全晶片為採用可信平台模組2.0(Trusted Platform Module 2.0,TPM 2.0)的晶片，該數位簽章晶片綁定特定的人、事、時、地及物的至少其中之一以產生數位簽章，該特定加密方式為三重資料加密演算法(Triple Data Encryption Algorithm,3DES)、對稱式加密演算法、非對稱式加密演算法及雜湊訊息鑑別碼(Hash-based Message Authentication Code,HMAC)演算法的至少其中之一。 The transaction method of a mobile trading counter implemented by a real-name mobile phone according to claim 8, wherein the step a) further includes the following steps: a02) The mobile trading counter and the back-end server agree on a specific encryption method; wherein , in the step c), the mobile transaction counter and the back-end server respectively execute the specific encryption method to verify the transaction-related data; wherein, the electronic ID card chip adopts the Physical Unclonable Function (PUF) technology ) chip, the security chip is a chip using Trusted Platform Module 2.0 (TPM 2.0), and the digital signature chip is bound to at least one of a specific person, event, time, place and object To generate a digital signature, the specific encryption method is Triple Data Encryption Algorithm (3DES), symmetric encryption algorithm, asymmetric encryption algorithm and Hash-based Message Authentication Code, HMAC) algorithm at least one of them. 如請求項8所述的以實名制手機實現的行動交易櫃檯的交易方法，其中該資料取得單元為一近場通訊(Near Field Communication,NFC)讀寫單元或一條碼讀取器，該步驟a)中，該行動交易櫃檯通過該NFC讀寫單元無線感應該消費者的一NFC卡片或一NFC手機以取得該交易資料，或通過該條碼讀取器掃描該消費者的一手機上顯示的一二維條碼，其中該二維條碼記錄該交易資料。 The transaction method for a mobile transaction counter implemented by a real-name mobile phone according to claim 8, wherein the data acquisition unit is a near field communication (Near Field Communication, NFC) read-write unit or a barcode reader, step a) , the mobile transaction counter wirelessly senses an NFC card or an NFC mobile phone of the consumer through the NFC read-write unit to obtain the transaction data, or scans the one or two displayed on a mobile phone of the consumer through the barcode reader A two-dimensional barcode, wherein the two-dimensional barcode records the transaction data. 如請求項8所述的以實名制手機實現的行動交易櫃檯的交易方法，其中更包括下列步驟： e)依據該交易資料開立一電子***並傳送至該消費者的一電子信箱，或將該交易資料傳輸至一***機以開立一紙本***。 The transaction method of a mobile transaction counter realized by a real-name mobile phone as described in claim 8, further comprising the following steps: e) Issue an electronic invoice based on the transaction data and transmit it to an electronic mailbox of the consumer, or transmit the transaction data to an invoice machine to issue a paper invoice. 如請求項8所述的以實名制手機實現的行動交易櫃檯的交易方法，其中該步驟a)之後更包括下列步驟：a11)通過一輸入單元接收該消費者輸入的一驗證資訊；a12)判斷該驗證資訊是否驗證通過；及a13)於該驗證資訊驗證通過後執行該步驟b)。 The transaction method of the mobile transaction counter realized by the real-name mobile phone according to claim 8, wherein the step a) further includes the following steps: a11) receiving a verification information input by the consumer through an input unit; a12) judging the Whether the verification information is verified; and a13) Step b) is executed after the verification information is verified.
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