M378583 五、新型說明： 【新型所屬之技術領域】 本創作係有關於一種電子錢包裝置，其係有關於用戶 識別模組（SIM : Subscriber Identify Module)應用，特別 是應用於行動電話之領域，以提升方便性。 【先前技術】 現行的電子付款系統中皆使用智慧卡（I(：C)作為電 子錢包的載具，所謂電子錢包係利用智慧卡上的晶片來 儲存用戶的可消費金額，而用戶就可利用智慧卡上的可 消費金額進行消費。 參考第一圖，係習知以現金充值電子錢包之示意 圖。用戶必須到可接受現金來充值電子錢包的收銀機 301( POS)所在的地點’用戶將智慧卡3〇2以及充值的 現金交給店員，並將智慧卡302插入具有安全存取模組 卡304(即SAM卡）的讀卡機303，該讀卡機303與智慧 卡302之間的介面包含插卡式或感應式。店員在收^機 301上操作軟體介面並依收取的現金輸入所需交易泉 數，收銀機301的軟體將交易參數轉換為充值指令，並 將充值指令發送給讀卡機303，而讀卡機303透過所^ 裝的SAM軟體轉換成授權充值指令，並將轉換過的= 權充值指令傳給智慧卡302，透過智慧卡302内的電| 錢包程式將授權充值指令所指示的金額寫入智慧卡 内的電子錢包。 、 2 依先前技術，用戶對於電子錢包的充值作業必須 特定場合進行’並以現金交付方式方可取得在特定穿 上，如續卡機303，進行授權充值。由於電子錢包 用方式不利於餘額查訊（必須經由讀卡機3〇3)，往往在^ M378583 仃父易日守才發現餘額不足之窘境。因此，用戶 事件發f時，—時之間又找不到特定場合進行於= 值，將無法繼續使用電子錢包進行消費。 又核充 根據國家通訊傳播委員會（NCC)統計 年6月底行動電話好數2，糊萬戶，亦^)8 人約持有-支以上手機。在亞洲地區行動電話 幾乎都保持於前幾名’很明顯的，行動電話對 說相當的重要！但大部分的使用者都^停 = 撥接電話魏發簡訊之倾，魏㈣—點 拍照與聽音樂而已。 也/、用來 羋確= =用：電子錢包結合行動電話的處理作 而基於該等考量而實施本創作 充值的之電子錢包裝置，轉升電子錢包授權 【新型内容】 本創作係在於提供一種用於行動電話之 裝置，俾使將電子錢包結合行動電話提升 = 之方便性為目的。 电于叙匕充值 f達到上述目的’本創作係提供一種電子錢包裝 置，使用於一具有SIM卡介面之行動電話，該 = J置包含：-處理單元’提供一充值服務介“ ，話，並從該行動電話接收一第一交易指令，且該 單疋將該第一交易指令轉換為一充值指令；一=紙 LI有一電子錢包，該認證單元接收該充值指；：轉 Ϊ 令為一授權充值指令’並依該授權充值指令 c入該電子錢包;以及一天線，電性連接該認 4 M378583 為達到上述目的’上述之電子錢包裝置，進一步包 含：一薄膜基板，該薄膜基板的一側表面設置一第一接 點介面，該薄膜基板的另一側表面設置一第二接點介 面，該第二接點介面用以電性接觸於該SIM卡介面，其 中，該處理單元、該認證單元以及該天線皆設置於該薄 膜基板。 為達到上述目的，上述之電子錢包裝置，其中該處 理單元實現於該行動電話之軟體或硬體當中；該認證單 元實現於一 SD 卡（Secure Digital Memory Card)，且該M378583 V. New Description: [New Technology Field] This creation is about an electronic wallet device, which is related to the application of SIM (Subscriber Identification Module), especially in the field of mobile phones. Improve convenience. [Prior Art] In the current electronic payment system, a smart card (I(:C) is used as a vehicle for the electronic wallet. The so-called electronic wallet uses the chip on the smart card to store the user's consumable amount, and the user can use it. The consumption amount on the smart card is used for consumption. Referring to the first figure, it is a schematic diagram of the cash recharge e-wallet. The user must go to the location where the cash register 301 (POS) of the e-wallet can be recharged. The card 3〇2 and the recharged cash are delivered to the store clerk, and the smart card 302 is inserted into the card reader 303 having the secure access module card 304 (ie, the SAM card), and the interface between the card reader 303 and the smart card 302. Including the plug-in type or the inductive type. The clerk operates the software interface on the receiving machine 301 and inputs the required number of trading springs according to the received cash, and the software of the cash register 301 converts the trading parameters into a refilling instruction, and sends the refilling instruction to the reading. The card machine 303, and the card reader 303 converts the authorized SAM software into an authorized refill instruction, and transmits the converted recharge command to the smart card 302, through the smart card in the smart card 302. The amount indicated by the authorized refill instruction is written into the e-wallet in the smart card. 2 According to the prior art, the user must perform a special occasion for the refilling operation of the electronic wallet, and the cash delivery method can be used to obtain the specific wearing, such as The card refilling machine 303 performs authorized recharging. Since the e-wallet usage method is not conducive to the balance inquiry (must be via the card reader 3〇3), it is often found in the M378583 仃父易日守, that the balance is insufficient. Therefore, the user event When f is sent, there is no specific occasion for the value of =, and it will not be able to continue to use the e-wallet for consumption. Also, according to the National Communications and Communications Commission (NCC), the number of mobile phones at the end of June is 2 Ten thousand households, also ^) 8 people hold about - the above mobile phones. In the Asian region, mobile phones are almost always in the top few. Obviously, the mobile phone is quite important! But most of the users are ^ stop = dial the phone Wei Wei newsletter, Wei (four) - point to take pictures and listen to music only. Also /, used to determine = = use: e-wallet combined with the handling of mobile phones and based on these considerations to implement the electronic wallet device of this creation replenishment, transfer electronic wallet authorization [new content] This creation is to provide a The device for mobile phones is designed to combine the e-wallet with the convenience of mobile phones. The electronic replenishment f is used to achieve the above purpose. The present invention provides an electronic wallet device for use in a mobile phone having a SIM card interface, which includes: - a processing unit 'provides a recharge service medium', words, and Receiving a first transaction instruction from the mobile phone, and the unit converts the first transaction instruction into a refill instruction; a = paper LI has an electronic wallet, the authentication unit receives the refilling finger; the transfer order is an authorization The refilling instruction 'and enters the electronic wallet according to the authorized refilling instruction c; and an antenna electrically connected to the electronic device 4 M378583 to achieve the above purpose. The electronic wallet device further includes: a film substrate, one side of the film substrate a first contact interface is disposed on the surface, and a second contact interface is disposed on the other side of the film substrate, the second contact interface is for electrically contacting the SIM card interface, wherein the processing unit, the authentication The unit and the antenna are disposed on the film substrate. To achieve the above object, the above electronic wallet device, wherein the processing unit is implemented in the software of the mobile phone Among hardware; the authentication unit implemented in an SD card (Secure Digital Memory Card), and the
行動電話具有一 SD卡介面，該天線則設置於該行動電 話。 為違到上述目的 理單元以及該認證單元實現於一 SIM卡；該天線設置於 該行動電話，且該天線經由該SIM卡介面電性連接該 SIM 卡。The mobile phone has an SD card interface that is placed on the mobile phone. For the purpose of the above-mentioned purpose, the authentication unit is implemented in a SIM card; the antenna is disposed on the mobile phone, and the antenna is electrically connected to the SIM card via the SIM card interface.
其中，該第一接點介面用以電性接觸於一 SIM 其中，該薄膜基板設置料-接點介面的側表 貼於- SIM卡的-側表面，且該第—接點介面 ^ 於該SIM卡。 咽 其中’該處理單元包含-操作單元，該操 該第一交易指令轉換為該充值指令。 ％將 其中’該處理單元包含-操作模組，該操作模 供該充值服務介面顯示於該行動電話的一顯示器。、、叔 其中，該涊證單元係經一金融機構認證。° 其中，該認證單元包含一授權模組，該授 換該充值指令為該授權充值指令。 姨、、且轉 其中，該認證單元包含一授權模組，該授 行一金融機構認證的加密演算法。 隹俱組執 5 其中’該認證單元包含—電子錢包模組， 包模組將該金額寫入該電子錢包。 屯子錢 金額其中’電子錢包為—f己憶體，該記憶體用以儲存該 其中該處理單元從該行動電話接收一第二 :，且該處理單元將該第二交易指令轉換為一扣款^ 々0 其中該認證單元接收該扣款指令且轉換該扣款指 々為一授權扣款指令，並依該授權扣款指 該電子錢包的餘額扣除。 生鋇攸 根據本創作所實施的電子錢包裝置，將結合至一行 動電話，並藉由該行動電話的鍵盤介面將可便於查詢電 子錢包的餘額與即時進行授權充值，再藉由 的通訊作業能力將授權充值的金額傳送至一 統，以產生帳單。 【實施方式】 參考第二圖，為本創作電子錢包骏置第一實施例之 方，圖。本創作電子錢包裝置係用於一具有SIM卡介面 電話2，而實現行動電話2之力σ值服務。請同時 二考第三Α圖’為本創作―種實施例電子錢包裝置之結 ，配置圖。電子錢包裝置100包含:一薄膜基板1〇、一 mi5、—^證單元17以及一具臟型式之天線 腔ϊί理早疋15、認證單元17以及天線2〇設置 於该溥膜基板10上。 签一中’賴基板1G的—側表面設置一 另一側表面設置一第二接點介面。該第 一接點介面制以電性接觸至—讀卡i的電氣接點， 電性接觸於該行動電話2之 與至=” ^。5亥第一接點介面包含至少—第一接點11 少一第二接點12’而該第二接點介面包含至少一第 二點13與至少一第四接點14，其中第一接點1丨與第 ^ $點13有電性連接，第二接點12與第四接點14分 別電性連接至處理單元15。 在本創作的此一實施例中，該薄膜基板10的第一 Λ點”面與第二接點介面係符合ISO 7816國際標準，且 °亥第一接點介面與該第二接點介面之各接點彼此在位 置上有對應。IS0 7816國際標準包含八個接點（接點 IVcc、接點2.RST、接點3.CLK、接點4.RFU、接點 5/GND、接點6，Vpp、接點7·Ι/〇、接點8.RFU)，其中該 第一接點介面的接點l.Vcc與接點5.GND可視為第一接 點11 ;接點7·Ι/〇可視為第二接點12，而第二接點介面 的接點l.Vcc與接點5.GND可視為第三接點13 ;接點 7.1/0可視為第四接點14。在本創作一較佳實施例中， 於該薄膜基板10設置該第一接點介面的側表面有部份區 域具有黏性材料，使此側表面可對應黏貼於該幻^卡丄 具有電氣接點之側面。 處理單元15包含一操作模組16，其係透過手機的 用戶識別應用開發工具（STK)功能提供一充值服務介 面顯示於行動電話2的i示器，用戶透過該充值服務 介面的操作使行動電話2發送一第一交易指令至操作模 組16，操作模組16接收該第一交易指令，並將該第」 交易指令轉換為一充值指令。 經一金融機構認證之認證單元17係具有一電子錢 包，且認證單元17包含一授權模組ι8與_電子錢包 模組19。認證單元17接收該充值指令，並由】權模= M378583 18執行該金融機構認證的^八厘演算法將該充值指令轉 換為一授權充值指令’而電子錢包模組19則依該授權 . 充值指令將一金額寫入該電子錢包，其中，該電子錢包 為一記憶體，該記憶體用以儲存該金額。當認證單元17 . ，值完成後，認證單兀17回覆一充值完成指令給處理 單元15 ’處理單元15依據該充值完成指令發出一記帳 指令，該記帳指令經該第二接點介面傳送給行動電話 2，俾使該行動電話2將該記帳指令傳送至一記帳系統 3。在本創作的實施例中，記帳系統3係屬於一金融機 鲁構或是屬於該行動電話2之-行動電信系統，記帳系統 3並依據該記帳指令產生一包含該金額之帳單4,俾使 用戶持帳單4繳費或自動扣款。 參考第三A圖與第三B圖，顯示本創作電子錢包裝 置第一貫施例之薄膜基板1〇的兩侧面視圖。薄膜基板 10包含一第一基板、一第二基板以及一連接部22，其 中連接部22係用以連接第一基板與第二基板。該第一 接點介面與該第二接點介面分別設於第一基板的兩側 面二處理單元15、認證單元Π以及天線20較佳地設置 * 於第二基板之一側表面，但不以此配置為限，且天線20 電性連接至認證單元η。須注意到的是，本創作薄膜基 板10對處理單元15、認證單元17以及天線2〇的配置 亦可設置於該第二基板之另一側表面，或分佈於第一、 秦，一基板’或基板之炎層中。 參考第四圖’為本創作電子錢包裝置第二實施例之 方塊圖。行動電話43具有一 SIM卡介面432、sd卡 (Secure Digital Memory Card)介面 431 以及一 NFc 天線 20,其中SIM卡介面432係電性連接至一 SIM卡“之 接點介面421 ’ SD卡介面431係電性連接至一 卡41 8 面411 ’且天線20電性連接至SD卡介面431。 之實作實施例中，處理單元是藉由行動電話43 組AS硬f:實:見’該處理單元包含-操作模 顯干ίΐ ί 面顯示於行動電話幻的- 接^第紐服務介㈣㈣使行動電話43 令，並將令ΐ易^V 5亥#作模組接收該第一交易指 f將該弟一父易指令轉換為—充值指令。 41卜=的此實施例中，叫41包含一接點介面 直中認證單元17以及一記憶體413， :二Γη電;= 單 =介㈣ 411，俾使贫證單 電性連接至接點介面 面r 透過接點介面411以及SO卡介 斷來自^ίί至天線2〇,控制器412的驅動程式會判 面431的指令。奸給認證單元的資料， ㈣ίΐΓΓ早7017，並由認證單^17處理，處理後 壯果再由認證單元17透過控制器412回傳行動带話 43。經-金融機構認證之認證單元17係具有 “ 包，且認證單幻7H授權模 ^ 認證單元η接收來自行動電話43的該 行該金融機構認證的SAM演算法將該充值 二授權充值指令，而電子錢包模組則依該授 ^值k將-金額寫人該電子錢包，其中，該電子錢 包為一記憶體，該記憶體用以儲存該金額。 —當認證單元17充值完成後，認證單元17回覆一充 值70成指令給該行動電話43的處理單元，該處理單元 依據該充值完成指令發出一記帳指令，俾使該行 4 3將該記帳指令傳送至一記帳系統。在本創作的實施例 中，記帳系統係屬於一金融機構或是屬於該行動電話Μ 包含系統，記帳系統並依據該記帳指令產生一 ^老=之帳單，俾使用戶持帳單繳費或自動扣款。 方塊圖。一^圖，為本創作電子錢包裝置第三實施例之 卡介:ς行動電話51包含一 NFC天線20及一 SIM 至SIM卡52包含一接點介面521係電性連接 其中虚j丨面511、一處理單元15以及一認證單元17, 521。15電性連接至認證單元17以及接點介面 戶識二15包含—操作模組，其係透過手機的用 顯Si，工具(STK)功能提供-充值服務介面 介面的話51的―顯示器’用戶透過該充值服務 模級，、動電話51發送—第m令至操作 指令糙=泛旲組接收該第一交易指令，並將該第-交易 17係目1為—充值指令。經—金融機構認證之認證單元 與、電子錢包’且認證單元17包含—授權模組 由幾模組。認證單元17接收該充值指令，並 俊於巧、、且執μ金融機構認證的SAM演算法將該充 =轉換為-授權充值指令，而電子錢包模組則依該 餐充值指令將-金額寫人該電子錢包，其中，該電子 l為一記憶體，該記憶體用以儲存該金額。 當認證單元17充值完成後，認證單元17回覆一充 相^指令給;單元’該處理單元依據該充值完成 ^發出—記帳 俾使該行動電話51將該記帳指 ♦送至一 s己帳糸統。在本創作的實施例中， 仏'屬於〆金融機構或是屬於該行動電話51之一^動二 6系统，記帳系統並依據該記帳指令產生― ^ 之帳單，俾使用戶持帳單繳費或自動扣款。、 -當用戶透過本創作之電子錢包裝置i費時’認證單 % 〇經由天線20感應接收來自一讀卡機之消費指令， M378583 並將該消費指令轉換為一授權消費指令，之後電子錢包 模組依據該授權消費指令從該電子錢包扣除部分金 額。當用戶透過本創作之電子錢包裝置轉帳或消費時， 用戶透過行動電話輸入一第二交易指令，處理單元15 從該行動電話接收該第二交易指令，並將該第二交易指 令轉換為一扣款指令；認證單元17接收該扣款指令且 轉換該扣款指令為一授權扣款指令，並依該授權扣款指 令將一金額從該電子錢包的餘額扣除。 在詳細說明本創作的較佳實施例之後，熟悉該項技 術人士可清楚的瞭解，在不脫離下述申請專利範圍與精 神下進行各種變化與改變，且本創作亦不受限於說明書 中所舉實施例的實施方式。 M378583 【圖式簡單說明】 第一圖為習知以現金充值電子錢包之示意圖。 第二圖為本創作電子錢包裝置第一實施例之方塊 圖。 第三A圖為本創作電子錢包裝置第一實施例之一 側面的結構配置圖。 第三B圖為本創作電子錢包裝置第一實施例之另一 側面的結構配置圖。 第四圖為本創作電子錢包裝置第二實施例之方塊 圖。 第五圖為本創作電子錢包裝置第三實施例之方塊 圖。 【主要元件符號說明】 1 SIM卡 2 行動電話 3 記帳系統 4 帳單 100 電子錢包裝置 10 薄膜基板 11 第一接點 12 第二接點 13 第三接點 14 第四接點 15 處理單元 16 操作模組 17 認證單元 18 授權模組 M378583 19 電子錢包模組 20 天線 41 SD卡 42 SIM卡 43 行動電話 411 接點介面 412 控制器 413 記憶體 421 接點介面 431 SD卡介面 432 SIM卡介面 51 行動電話 52 SIM卡 511 SIM卡介面 521 接點介面The first contact interface is electrically connected to a SIM, wherein the side surface of the film substrate-contact interface is attached to the side surface of the SIM card, and the first contact interface is SIM card. The processing unit includes an operation unit, and the first transaction instruction is converted into the refill instruction. % will include the processing unit including an operation module for displaying the refill service interface on a display of the mobile phone. Among them, the uncle is the certification of a financial institution. ° The authentication unit includes an authorization module, and the refilling instruction is the authorized refill instruction. The authentication unit includes an authorization module that grants an encryption algorithm for authentication by a financial institution. The furniture group 5 wherein the certification unit includes an electronic wallet module, and the package module writes the amount into the electronic wallet. The amount of the money is in which the electronic wallet is a memory, the memory is used to store the processing unit, and the processing unit receives a second from the mobile phone: and the processing unit converts the second transaction instruction into a debit ^ 々0, wherein the authentication unit receives the debit instruction and converts the deduction instruction into an authorization deduction instruction, and according to the authorization deduction, the balance of the electronic wallet is deducted. The electronic wallet device implemented according to the present invention will be integrated into a mobile phone, and the keyboard interface of the mobile phone will facilitate the inquiry of the balance of the electronic wallet and the instant authorization to be recharged, and then the communication operation capability. Transfer the amount of the authorized recharge to the unified system to generate the bill. [Embodiment] Referring to the second figure, the first embodiment of the creation of the electronic wallet is shown in the figure. The authoring electronic wallet device is used for a service having a SIM card interface 2 to implement the power σ value service of the mobile phone 2. Please also take the third picture of the second test, the design of the electronic wallet device. The electronic wallet device 100 includes a film substrate 1A, a mi5, a certificate unit 17 and a dirty type antenna cavity, an authentication unit 17, and an antenna 2, which are disposed on the film substrate 10. One side of the first substrate is disposed on the side surface of the substrate 1G, and a second contact interface is disposed on the other side surface. The first contact interface is electrically contacted to the electrical contact of the card reader i, electrically contacting the mobile phone 2 to the "=. ^. 5H first contact interface includes at least - the first contact 11 a second contact 12 ′ and the second contact interface includes at least a second point 13 and at least a fourth contact 14 , wherein the first contact 1 丨 is electrically connected to the second point 13 The second contact 12 and the fourth contact 14 are electrically connected to the processing unit 15 respectively. In this embodiment of the present invention, the first defect surface and the second contact interface of the film substrate 10 conform to ISO. According to the 7816 international standard, the contacts of the first contact interface and the second contact interface have a positional correspondence with each other. IS0 7816 international standard includes eight contacts (contact IVcc, contact 2.RST, contact 3.CLK, contact 4.RFU, contact 5/GND, contact 6, Vpp, contact 7·Ι/ 〇, contact 8.RFU), wherein the contact of the first contact interface l.Vcc and the contact 5.GND can be regarded as the first contact 11; the contact 7·Ι/〇 can be regarded as the second contact 12 The contact point l.Vcc of the second contact interface and the contact 5.GND can be regarded as the third contact 13; the contact point 7.0/1 can be regarded as the fourth contact 14. In a preferred embodiment of the present invention, a portion of the side surface of the first contact interface disposed on the film substrate 10 has a viscous material, so that the side surface can be adhesively attached to the phantom. The side of the point. The processing unit 15 includes an operation module 16 that provides a recharge service interface to the i-display of the mobile phone 2 through the user identification application development tool (STK) function of the mobile phone, and the user makes the mobile phone through the operation of the recharge service interface. 2 Sending a first transaction command to the operation module 16, the operation module 16 receives the first transaction instruction, and converts the first transaction instruction into a refill instruction. The authentication unit 17 certified by a financial institution has an electronic wallet, and the authentication unit 17 includes an authorization module ι8 and an _ e-wallet module 19. The authentication unit 17 receives the refilling instruction, and converts the refilling instruction into an authorized refilling instruction by the octet algorithm of the financial institution authentication by the weight model = M378583 18, and the electronic wallet module 19 is authorized according to the authorization. The instruction writes an amount to the electronic wallet, wherein the electronic wallet is a memory for storing the amount. After the authentication unit 17 . , the value is completed, the authentication unit 17 returns a refill completion instruction to the processing unit 15 'the processing unit 15 issues a billing instruction according to the refill completion instruction, and the billing instruction is transmitted to the action via the second contact interface. The telephone 2 causes the mobile telephone 2 to transmit the billing instruction to a billing system 3. In the embodiment of the present invention, the billing system 3 belongs to a financial machine or a mobile telecommunication system belonging to the mobile phone 2, and the billing system 3 generates a bill 4 containing the amount according to the billing instruction. Allow users to pay bills 4 or automatically debit. Referring to the third A and third B, both side views of the film substrate 1 of the first embodiment of the present electronic money package are shown. The film substrate 10 includes a first substrate, a second substrate, and a connecting portion 22, wherein the connecting portion 22 is used to connect the first substrate and the second substrate. The first contact interface and the second contact interface are respectively disposed on the two sides of the first substrate. The processing unit 15 , the authentication unit Π and the antenna 20 are preferably disposed on one side surface of the second substrate, but This configuration is limited, and the antenna 20 is electrically connected to the authentication unit η. It should be noted that the configuration of the processing unit 15, the authentication unit 17, and the antenna 2A of the film substrate 10 may be disposed on the other side surface of the second substrate, or distributed on the first, Qin, and a substrate. Or in the inflammatory layer of the substrate. Referring to the fourth figure, a block diagram of a second embodiment of the authoring electronic wallet device is shown. The mobile phone 43 has a SIM card interface 432, a sd card (Secure Digital Memory Card) interface 431, and an NFc antenna 20, wherein the SIM card interface 432 is electrically connected to a SIM card "contact interface 421" SD card interface 431. The system is electrically connected to a card 41 8 411 ′ and the antenna 20 is electrically connected to the SD card interface 431. In the embodiment, the processing unit is a group of AS by the mobile phone 43: f: see: Unit contains - operation mode display dry ί ΐ 显示 显示 显示 显示 行动 行动 接 接 接 接 接 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第 第The parent-female command is converted to a recharge command. In this embodiment, 41 includes a contact interface straight-through authentication unit 17 and a memory 413, : Γ 电 电; = 单 =介 (4) 411俾 俾 贫 贫 贫 贫 贫 贫 贫 r r r r r r r r r r 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 控制器 431 431 431 431 431 The information, (4) ίΐΓΓ early 7017, and processed by the certification sheet ^17, after processing the strong fruit and then The certificate unit 17 returns the action message 43 through the controller 412. The authentication unit 17 authenticated by the financial institution has a "package, and the authentication single magic 7H authorization module ^ authentication unit n receives the bank from the mobile phone 43. The authenticated SAM algorithm authorizes the refilling command, and the electronic wallet module writes the amount to the electronic wallet according to the value of the value k, wherein the electronic wallet is a memory, and the memory is used for storing The amount. - After the replenishment of the authentication unit 17 is completed, the authentication unit 17 replies with a refill 70 to the processing unit of the mobile phone 43. The processing unit issues a billing instruction according to the refill completion command, so that the line 4 3 issues the billing instruction. Transfer to a billing system. In the embodiment of the present invention, the billing system belongs to a financial institution or belongs to the mobile phone 包含 containing system, and the billing system generates a bill according to the billing instruction, so that the user pays the bill or automatically Deduction. Block diagram. In the third embodiment of the present invention, the mobile phone 51 includes an NFC antenna 20 and a SIM to SIM card 52 including a contact interface 521 electrically connected to the virtual surface 511. a processing unit 15 and an authentication unit 17, 521. 15 are electrically connected to the authentication unit 17 and the contact interface 2 15 includes an operation module, which is provided by the display device of the mobile phone, using the display function (STK) function. - The "display" user of the recharge service interface interface 51 transmits the service level, and the mobile phone 51 transmits - the mth order to the operation command rough = the ubiquitous group receives the first transaction instruction, and the first transaction 17 Line 1 is the recharge command. The authentication unit and the electronic wallet' certified by the financial institution and the authentication unit 17 include the authorization module consists of several modules. The authentication unit 17 receives the refilling instruction, and the SAM algorithm that is skilled in the financial institution authentication converts the charging to the -authorized refilling instruction, and the electronic wallet module writes the amount according to the meal refilling instruction. The electronic wallet, wherein the electronic device l is a memory for storing the amount. After the replenishment unit 17 completes the replenishment, the authentication unit 17 replies with a refilling instruction; the unit 'the processing unit issues a billing based on the refilling, so that the mobile phone 51 sends the billing finger to the s account. System. In the embodiment of the present invention, 仏' belongs to a financial institution or belongs to one of the mobile telephones 51, and the billing system generates a bill of "^" according to the billing instruction, so that the user pays the bill. Or automatic deduction. - When the user receives the consumption instruction from a card reader via the antenna 20 through the electronic wallet device i of the present creation, the M378583 converts the consumption instruction into an authorized consumption instruction, and then the electronic wallet module A portion of the amount is deducted from the electronic wallet in accordance with the authorized consumption instruction. When the user transfers or consumes through the electronic wallet device of the present creation, the user inputs a second transaction instruction through the mobile phone, and the processing unit 15 receives the second transaction instruction from the mobile phone, and converts the second transaction instruction into a button. The instruction unit 17 receives the charge instruction and converts the charge instruction into an authorized charge instruction, and deducts an amount from the balance of the electronic wallet according to the authorized charge instruction. Having described the preferred embodiments of the present invention, it will be apparent to those skilled in the art that various changes and modifications can be made without departing from the scope and spirit of the inventions described herein. Embodiments of the embodiments are given. M378583 [Simple description of the diagram] The first picture is a schematic diagram of the conventional electronic refill of cash wallet. The second figure is a block diagram of the first embodiment of the authoring electronic wallet device. The third A is a structural configuration diagram of the side of the first embodiment of the authored electronic wallet device. The third B is a structural configuration diagram of the other side of the first embodiment of the creation electronic wallet device. The fourth figure is a block diagram of a second embodiment of the creative electronic wallet device. Figure 5 is a block diagram of a third embodiment of the creative electronic wallet device. [Main component symbol description] 1 SIM card 2 Mobile phone 3 Accounting system 4 Bill 100 Electronic wallet device 10 Film substrate 11 First contact 12 Second contact 13 Third contact 14 Fourth contact 15 Processing unit 16 Operation Module 17 Authentication Unit 18 Authorization Module M378583 19 Electronic Wallet Module 20 Antenna 41 SD Card 42 SIM Card 43 Mobile Phone 411 Contact Interface 412 Controller 413 Memory 421 Contact Interface 431 SD Card Interface 432 SIM Card Interface 51 Action Phone 52 SIM card 511 SIM card interface 521 contact interface
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