M405609 ‘五、新型說明： 【新型所屬之技術領域】 。 王父易的移動式電子裝置異質雙通道交易系統 【先前技術】 項到#ϊ於實體店面利用現金f #的交易方式，消費者必 品，而此種物’並花費現金以購買所需要的商 求了。 、"、體店面①成料兩乾之交紐為，已經漸漸的不敷需 ΐ帳5S； 設置於店面之制卡讀卡機連線於銀行業ί進 =ίi 2者只要於結算日前將所__人銀行= 逐漸生科技之高度發展’其影響已經 消費形易方式’就有金融業者推行***的 如此，即為一種免用現金之交易模式 ^還=者推出—觀子錢㈣交純式，_電子錢包為鞏老所 t丁；包γϊ為具有積體電路之卡片，心用 扣款，同以之電子錢包讀卡機即可以進行 :然上駐易模式於使麟，為確實存在下綱聰敝尚待改進 =論是朗卡交㈣是電子錢包式交易， 乂易或是電子錢包都有被盜領使用的顺 s用卡 的交易’實在需要有-種高度安全，且同樣 【新型内容】 方二if作=以=;失;乃搜集相關資料，經由多: 修改’始設計出此種透^異質^，之二年經驗’經由不斷試作及-全交易的移動式電子裝置:、同運作方式’完成高度安 本新型之主要=於以以=新型專利者。 行動通訊t置係包括有-貼片平台與行純訊裝置。該 第-通訊渠道與該交易平△=者I猎由該行動通訊裝置透過- 後使用者可以藉由該積體;路：^以^得到j易訊息 二通訊渠道傳送至該交易平台—確納自州確_。’亚透過一第 服務藉ί位使 種南安全性之異質雙通道的交易系統。Π»、i卜為-t新型還包括有至少—行動通訊裝 少-金融服務認證模組。該行動胸# M t认商豕咖柄組與至 入完該預設密碼後該行動通訊裝置;碼’輸 组传可徂於入姑、、；k基—π ό *λ 產生4費成心，5亥商豕認證模 過第“ Ϊ進行完該消費訊息後該商家認證模組即透 im該消#訊息與金融服務認證模組内相對應 ϊίϋ 認證無誤後’即透過該第—通訊渠道傳送-交 Ιϊΐΐί 模組、透過第二通訊渠道傳送該交易憑證至該行 通訊ίΐ來行交易動作時’即可以利用該行動 得到Ίΐΐ 先攻置預設密碼，當輸人完成後，即可以 啊if心’ ΐ用者再將該消費訊息輸入至商家認證模組，該商家 二=即可通訊渠道傳送該消費訊息至金 融絲認，組即可以利用該消費訊息與金融服務認證^ =1用巧進行認證，當該金融服務認證模組認證無誤後， 透以第-通心運傳送一交易憑證至該商家認證模組、透過第二 M405609 _通訊渠道傳送該交易憑證至該行動通訊梦 ，本創作利用了第-通訊渠道與第二通訊φ道“士，構與作動 父易系統’改善了制技術t使用者遺失 ^ ^度安全之 本創作即使行動通訊裝置 Μ保護，為確實具有實料步性之交㈣統。 、㈣4碼加 【實施方式】 為達成上述目的及功效，本創作所採用之技術手段 # 圖就，作較佳實施例詳加說明其特徵與功能如下，俾 凊參閱第-圖所示’係為本創倾佳實 =二 中可清楚料賴雜包括： _之施Μ圖，由圖 交，平台12 ’該交易平台12可為-可提供網頁，覽 ，可以提供金融交易服務，轉帳、提款、 j ° ’或者是可提供資訊服務、廣告服務、“=:ί;關金融服務 ^動通訊裝置1，該行動通訊裝置以包括有一貼片i i， 片11可為具有積體電路之積體電路貼q ^動 浐S ! Μ卡接點，以提供行動通訊裝置 错由如動通说裝置1透過—第—通訊渠道4與該交易平台進 訊t ’得，易訊息後使用者可以藉由該積體電路 m1運异付到-確認訊息’並透過—第二通訊渠道5傳送至 易平台12—確認訊息。 其中，該第一通訊渠道4可為無線應用通訊協定（Wireless Ap^ication pr0t0c0i ; WAP)，而該第二通訊渠道5可為簡祖務 (Short Message Service ; SMS) ' 多媒體訊息服務（Multimedia Messaging Service ; MMS)或即時訊息與呈現服務（InstantM405609 ‘V. New description: 【New technology field】 Wang Fuyi's mobile electronic device heterogeneous two-channel trading system [prior art] Item to #ϊ in the physical storefront using the cash f # trading method, the consumer goods, and this kind of thing 'and spend cash to buy the required Business is seeking. , ", storefront 1 ingredients into two, the relationship has gradually become insufficient to charge 5S; set in the storefront card reader connected to the banking industry zhin = ίi 2 as long as before the settlement date The __People's Bank = the development of the technology of the gradual growth of technology's influence has already been consumed by consumers. There is a way for financial companies to implement credit cards, that is, a cash-free trading model ^ also = launched - Guanzi money (4) Handing pure style, _ e-wallet is Gong Ding Ting; package γ ϊ is a card with integrated circuit, the heart with the deduction, with the electronic wallet card reader can be carried out: then on the station mode to make Lin, In order to exist, there is still room for improvement. The theory is that Langkajiao (4) is an e-wallet transaction, and the transaction of the shun card used by the pirate or the e-wallet is really high-safe. And the same [new content] Fang 2 if = = =; lost; is to collect relevant information, through more: modify 'start to design such a transparent ^ heterogeneous ^, two years of experience 'through continuous trials and - full transaction movement Electronic device: the same way of operation 'to complete the new type of high security In order to be = = new patentee. The mobile communication t-set includes a-patch platform and a line of pure messaging devices. The first communication channel and the transaction are Δ== I hunted by the mobile communication device - after the user can use the integrated body; the road: ^ to get the j message 2 communication channel to the trading platform - indeed Nazi State is indeed _. ‘Asia’s heterogeneous two-channel trading system that makes South China’s security through a service. Π», i卜为-t new type also includes at least - mobile communication equipment - financial service certification module. The action chest # M t 豕 豕 豕 豕 豕 与 该 该 豕 豕 豕 豕 豕 豕 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该Heart, 5 hai 豕 模 模 第 第 “ “ “ Ϊ Ϊ Ϊ Ϊ Ϊ Ϊ Ϊ Ϊ Ϊ 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 该 Ϊ Ϊ Ϊ Ϊ Ϊ 商家 商家 商家 商家 商家 商家 商家 商家 商家 商家 商家Channel transmission - exchange Ιϊΐΐ module, transmit the transaction vouchers to the communication through the second communication channel. ΐ When you trade, you can use this action to get the default password. When the input is completed, you can If the heart' user then enters the consumer message into the merchant authentication module, the merchant 2 = the communication channel can transmit the consumer message to the financial wire recognition, the group can use the consumer message and the financial service authentication ^ =1 After the certification of the financial service authentication module is correct, the transaction certificate is transmitted to the merchant authentication module through the first pass, and the transaction certificate is transmitted to the mobile communication dream through the second M405609 _ communication channel. Benchuang Utilizing the first communication channel and the second communication channel φ "", constructing and moving the father's system" improved the technology t user lost ^ ^ degree security of this creation even if the mobile communication device is protected, in order to have a real step Sexual intercourse (four). (4) 4 yards plus [Embodiment] In order to achieve the above objectives and effects, the technical means used in this creation is shown in the figure. The features and functions of the preferred embodiment are as follows. This is a good experience for the second generation. The second is clearly ambiguous, including: _ the map of the map, from the map, the platform 12 'the trading platform 12 can be - can provide web pages, view, can provide financial transaction services, transfer, Withdrawal, j ° 'or can provide information services, advertising services, "=: ί; off financial services communication device 1, the mobile communication device to include a patch ii, the slice 11 can be integrated circuit The integrated circuit is affixed to the !S! Leica contact to provide a mobile communication device. The device is connected to the communication platform by the communication channel 4 and the communication platform. The acknowledgement message can be transmitted by the integrated circuit m1 and transmitted to the easy platform 12 through the second communication channel 5. The first communication channel 4 can be a wireless application protocol (Wireless Ap). ^ication pr0t0c0i ; WAP), and the first 5 channels of communication can be a simple ancestral Service (Short Message Service; SMS) 'Multimedia Messaging Service (Multimedia Messaging Service; MMS) or instant messaging and presence service (Instant
Messaging and Presence Service ; IMPS)。 ▲俾藉由上述結構，使用者即可以透過行動通訊裝置1透過第一通 訊，道4來戦交許台1 2上所提供之各項服務，例如金融服務、 商品服務或是訂票服務等等，而當使用者欲轉帳、選購或是訂購該服 務時，由於該行動通訊裝置1係電性連接有一積體電路貼片i丄，使 5 1405609 用者可以利3舰片1 1 g卩可以縣得到-顧訊息，而此處使用者 可以預先設，定有—密碼’當輸人密碼完成後該貼片11才會進行確認 訊息之運算’而該確認訊息可能為一次性密碼（〇ne—Time ρ_〇ι^Messaging and Presence Service; IMPS). ▲ With the above structure, the user can use the first communication, via the mobile communication device 1, to deliver the services provided by the Xutai 12, such as financial services, merchandise services or ticketing services. Etc., when the user wants to transfer money, purchase or order the service, since the mobile communication device 1 is electrically connected with an integrated circuit patch i丄, so that the 5 1405609 user can benefit the 3 ship blade 1 1 g You can get the message from the county, and the user here can pre-set, the password - the patch 11 will perform the operation of confirming the message when the input password is completed, and the confirmation message may be a one-time password ( 〇ne—Time ρ_〇ι^
System ; OTP)或是RSA加密演算法產生，目的為確認使用者之身分， έ亥確或訊息再透過第二通訊渠道5傳輸至該交易平台丄2，俾藉由上 述結構，就算使用者遺失了行動通訊裝置工，盜用者也無法得知行動 ϋ訊裝置1内使用者所預先設置之密碼，如此，即完成—種高安 之異質雙通道的交易系統。 請參閱第二圖、第三圖與第四圖所示，係為本創作再_較佳實施 例之方塊圖,、實施示賴-與二，由圖巾可清楚看出本創作係包括： 至少-行動通訊裝置1’係可供輸人—預設密碼，輸人完該預設 密碼，該行動通訊裝置1可產生肖費訊息，該消費訊息包括有該行 動通δίΙ舣置1之門號、父易密碼與消費金額，其中該交易密碼可為一 次性密碼（One-Time Password System ; 0ΤΡ)，該行動通訊裝置工 可進-步電性連接有-貼片i i，該貼片i Η為具有積體電路之積 體電路貼片1 1，使用者透過該行動通訊裝置1輸入預設密碼後，即 可以獲取貼片11内之該交易密碼，而該行動通訊裝置丄可為行動電 話、筆記型電腦等相關行動通訊裝置1; 至少一商家認證模組2，係可供輸入該消費訊息，輸入完該消費 訊息後該商家認證模組2即透過一第一通訊渠道4進行傳送該消費訊 息’該第一通訊渠道4可為無線應用通訊協定（WirelessSystem; OTP) or RSA encryption algorithm is generated to confirm the identity of the user. The message or the message is transmitted to the trading platform 透过2 through the second communication channel 5. By the above structure, even if the user is lost With the mobile communication device, the thief can not know the password set by the user in the mobile communication device 1, and thus completes the high-security heterogeneous two-channel transaction system. Please refer to the second, third and fourth figures, which are block diagrams of the preferred embodiment of the present invention, and the implementation of the diagrams - and two. It can be clearly seen from the drawings that the creation system includes: At least - the mobile communication device 1' is available for input - a default password, the mobile communication device 1 can generate a short message, the consumer message includes the action of the action No., parent password and consumption amount, wherein the transaction password can be a one-time password system (One-Time Password System; 0ΤΡ), the mobile communication device can be connected to the electrical connection - patch ii, the patch i积 is an integrated circuit patch 1 having an integrated circuit. After the user inputs a preset password through the mobile communication device 1, the transaction password in the patch 11 can be obtained, and the mobile communication device can be an action. A mobile communication device, such as a telephone and a notebook computer; at least one merchant authentication module 2 is configured to input the consumer message, and the merchant authentication module 2 transmits the message through the first communication channel 4 after the consumer message is input. The consumer message 'The first communication Road 4 can be a Wireless Application Protocol (Wireless
Application Protocol ; WAP) ’該商家認證模組2可進一步電性連 接有一貼片21 ’該貼片21可為具有積體電路之積體電路貼片21 至少一金融服務認證模組3，該金融服務認證模組3為銀行業者 ’係可供接收該消費訊息’並利用該消費訊息與金融服務認證模組3 内相對應之信用資料進行認證，該信用資料可設置於金融服務認證模 組3内之資料庫’認證無誤後，即透過該第一通訊渠道4傳送一交易 憑證至該商家認證模組2、透過一第二通訊渠道5傳送該交易憑證至 該行動通訊裝置1，該第二通訊渠道5可為簡訊服務（Sh〇rt 6 M405609Application Protocol; WAP) 'The merchant authentication module 2 can be further electrically connected to a patch 21'. The patch 21 can be an integrated circuit patch 21 having an integrated circuit. At least one financial service authentication module 3, the financial The service authentication module 3 is for the banker to 'receive the consumer message' and utilize the credit information corresponding to the credit information in the financial service authentication module 3, and the credit data can be set in the financial service authentication module 3 After the authentication of the database is correct, a transaction voucher is transmitted through the first communication channel 4 to the merchant authentication module 2, and the transaction voucher is transmitted to the mobile communication device 1 through a second communication channel 5, the second Communication channel 5 can be a newsletter service (Sh〇rt 6 M405609
Message Service ;洳S)、多媒體訊息服務（MuitimediaMessage Service ;洳S), multimedia messaging service (Muitimedia
Messaging Service ; MMS)或即時訊息與呈現服務（instan1: ^Messaging and Presence Service ; mps)，該交易憑證可為交易金 額。 ，由上述之構、組成設計，茲就本創作之使用作動情形說明如 下同時配合參㈣二圖、第三圖與第四圖所示，係為本創作再一 較佳貫施例之方塊圖'實施示意圖一與二，由圖中可清楚看出，使用 者利用本創作進行交易行為時，即可以利用該行動通訊裝置i來輸入 自己所預先設置之預設密碼，該預設密碼可以為使用者自由設置，當 輸入完成後。’即y以得到消費訊息，該消費訊息可包括有該行動通訊 ^置1之門號、交易密碼與消費金額，其中，該交易密碼可為一次性 密碼（One-Time Passwoni System ; OTP)或是RSA加密演算法產生， 使用者再將έ亥消費訊息輸入至商家認證模組2，該商家認證模組2即 可以透過第一通訊渠道4傳送該消費訊息至金融服務認證模組3，該 金融服務=證，組3即可以#訊息與金融服務認證模組3内 相，應之信用資料進行認證，若當該使用者之信用資料不通過時（例 巧用不良料）’貞彳停止交^，又當該金纖務認證模組3認證無 5吳後’即透過遠第-通訊渠道4傳送一交易憑證至該商家認證模组2 、，過第二通訊渠道5傳送該交易憑證至該行動通訊裝置丄，如此該 |，家認證模組2即可以確認此次為安全交易並同意進行，而該第二通 •汛渠道5可利用電子郵件進行傳輸，使用者即可以利用行動通訊裝置 1以接收電子郵件内之交易憑證。 故，請參閱全部附圖所示，本創作使用時’與習用技術相較，著 實存在下列優點·， 本創作有效的利用異質雙通道（第一通訊渠道4與第二通訊渠道 達到了一種高度安全的交易系統，就算使用者的行動通訊裝置工 盜用者也必須得知該行動通訊裝置丄之預設密碼才有辦法進行 父易’為確實具有實用進步性。 准，=上所述僅為本創作之較佳實施例而已，非因此即拘限本創 4之專利範圍，故舉凡運用本創作說明書及圖式内容所為之簡易修飾 7 M05609 及等效結構變化，均應同理包含於本創作之專利範圍内，合予陳明。 綜上所述，本創作之移動式電子裝置異質雙通道交易系統於使用_ 時，為確實能達到其功效及目的，故本創作誠為一實用性優異之創作-，為符合新型專利之申請要件，爰依法提出申請，盼審委早曰賜准 本創作，以保障創作人之辛苦創作，倘若鈞局審委有任何稽疑，請 不吝來函指示，創作人定當竭力配合，實感公便。 M4〇56〇9 * 【圖式簡單說明】 « 第/圖係為本創作較佳實施例之實施示意圖。 第二圖係為本創作再一較佳實施例之方塊圖。 第>圖$為本創作再一較佳實施例之實施示意圖_。 第四圖係為本創作再一較佳實施例之實施示意圖二。 【主要元件符號說明】 行動通訊裝置··· 1 貼片.....· · 11 交易平台·.··. 12 商家認證模組··. 2 貼片 ‘···... 2 1 金融服務認證模組. 3 第一通訊渠道··· 4 第二通訊渠道·.· 5Messaging Service; MMS) or instant messaging and presence service (instan1: ^Messaging and Presence Service; mps), which can be the transaction amount. According to the above structure and composition design, the following is a description of the use of this creation. The following is a block diagram of the second and third figures and the fourth figure. 'Implementation diagrams one and two, as can be clearly seen from the figure, when the user uses the creation to conduct the transaction behavior, the mobile communication device i can be used to input the preset password set by himself. The preset password can be The user is free to set up when the input is complete. ' y to get a consumer message, the consumer message may include the mobile phone number, the transaction password and the amount of the purchase, wherein the transaction password may be a one-time passwoni system (OTP) or The RSA encryption algorithm is generated, and the user inputs the consumer information to the merchant authentication module 2, and the merchant authentication module 2 can transmit the consumption message to the financial service authentication module 3 through the first communication channel 4. Financial services = certificate, group 3 can be # message and financial service certification module 3 internal phase, the credit information should be certified, if the user's credit information does not pass (exceptional use of bad materials) '贞彳 stop After the payment, the gold fiber certification module 3 is authenticated without 5 Wu, that is, the transaction certificate is transmitted to the merchant authentication module 2 through the remote communication channel 4, and the transaction certificate is transmitted through the second communication channel 5. To the mobile communication device, the home authentication module 2 can confirm that this is a secure transaction and agree to proceed, and the second communication channel 5 can be transmitted by using an email, and the user can use the action. News trading within the device 1 to receive e-mail documents. Therefore, please refer to all the drawings. When using this creation, the following advantages are compared with the conventional technology. This creation effectively utilizes heterogeneous dual channels (the first communication channel 4 and the second communication channel reach a height). A secure trading system, even if the user's mobile communication device thief must know the default password of the mobile communication device, there is a way to carry out the parent's business. It is indeed practical and progressive. The preferred embodiment of the present invention is not limited to the scope of the patent of Ben 4, so the simple modification of 7 M05609 and equivalent structural changes using the present specification and the contents of the drawings should be included in the same paragraph. In the scope of the patents created, it is given to Chen Ming. In summary, the creation of the mobile electronic device heterogeneous two-channel trading system uses _ when it is used to achieve its efficacy and purpose, so this creation is a practical Excellent creation - in order to meet the application requirements of the new patent, 提出 apply in accordance with the law, and hope that the trial committee will grant this creation as early as possible to protect the creator's hard work, if The audit committee has any doubts, please do not hesitate to give instructions, the creator will try his best to cooperate, and feel the public. M4〇56〇9 * [Simple description of the diagram] « The diagram / diagram is the implementation diagram of the preferred embodiment of the creation. The second figure is a block diagram of still another preferred embodiment of the present invention. Fig. $ is a schematic diagram of a further embodiment of the present invention. The fourth figure is a further preferred embodiment of the present invention. Implementation diagram 2. [Main component symbol description] Mobile communication device··· 1 Patch.....· 11 Trading platform····. 12 Merchant authentication module··. 2 Patch '···. .. 2 1 Financial Services Certification Module. 3 First Communication Channel··· 4 Second Communication Channel··· 5