200803435 九、發明說明： 【發明所屬之技術領域】 本發明係關於-種制行動電話作為電子票證付款之方 法及其裝置，特別是指-種係讀動電話作為電子票證加值 費用的支付工具，將行動電話與電信服務結合，進行行動加 值及帳務线整合之-種㈣行動電話作為t子票證付款 之方法及其裝置。200803435 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to a method and device for making a mobile phone as an electronic ticket payment, in particular, a type-reading mobile phone as a payment tool for an electronic ticket value-added fee The combination of mobile phone and telecommunication service, the implementation of action value-added and account line integration - (4) mobile phone as a method of t-ticket payment and its device.
【先前技術】 由於國内目前個人擁有手機的普及率極高，再加上捷運 悠遊卡的推行成功，使得電子票證難卡的使践模逐漸增 力在國内都為這兩種行動付款機制創造不少的基礎使用 者手機的專屬性局，不但可以當作個人身份的驗證，結合 曰^卡ic曰曰片中的安全機制，更可以大幅提升安全性與使用 方便ί生。雖目則電子票證加值方式多採用現金或是信用卡， 而且必須到具有加值機的營業地點加值，其中的信用卡付費 機制在每筆父易中都必須抽取固定比例的高額交易費用，這 對於低成本、經常性交易的數位資訊商品來說，被抽取的交 易費用將會提高整體㈣成本。至於要㈣f者要到特定的 =才能加值，對消費者而言也是一種不方便，對經營者而 還Ί夕負擔額外的加值手續費，徒增經營成本。因此， 在手機的普及率已經相當高的台灣，研發適當的電子票證行 動加值機制，對於7翁 才於以電子票證為媒體的行動電子商務，都是 5 200803435 θ升’、兄爭力之要務。就安全性而言，現有電子票證的電子 疋放在非接觸式IC晶片中，它的優點是卡片不需要與 、卡機直接接觸，使用者扣款迅速而且方便，缺點就是非接 觸式ic晶片t的認證程序及法則是不公開的，所以在安全性 上讓人有些質疑處’因此非接觸式1C晶片電子錢包的安全性 不々接觸式1C晶片來得高。且近年來社會出現許多資訊安全 與漏㈣問題’普遍造成民眾對於電子交易的不信任感，為 了要贏回消費者的信任，必須要，規劃更多的安全控管，因此 本發明使用多重安全認證機制，所有交易之訊息都使用數位. 加解密及數位簽章的功能’讓整個交易在安全的機制下運 作，透過安全的訊息傳輸通道，結合嚴密的電子簽章認證功 能，作為消費者與營運業者創造妥善的身份認證措施，其主 要目的就是要解決應用系統中的身份認Μ性、機密性、資料 元整性與不可否認性。 首先，以產業面而言，在傳統的電子票證加值方式多採 用現金或是信用卡，以現金而言，業者目前是具有收到偽鈔 的疑慮以及現金持有保管的安全考量，另外一種的信用卡付 費機制，在每筆交易中都必須抽取固定比例的高額交易費 用，這對於低成本、經常性交易的數位資訊商品來說，被抽 取的交易費用將會提高整體經營成本。 以使用面而言，對消費者要到特定的地點才能加值之方 200803435 式，就會造成於使用上的諸多不便。對於經營者而言必須進 行加值點簽約與佈建時間’同時也有加值機之購買與維護之 成本，如此會增加金錢和時間成本，不利於系統之建設。[Prior Art] Due to the high penetration rate of personal mobile phones in China, coupled with the successful implementation of the MRT Travel Card, the e-ticket card is gradually increasing its efforts to pay for these two actions in China. The mechanism creates a lot of special users of the basic user's mobile phone, not only can be used as the verification of personal identity, combined with the security mechanism in the card, it can greatly improve the security and ease of use. Although the electronic ticket value-adding method uses cash or credit cards, and must be added to the place of business with a check-in machine, the credit card payment mechanism must extract a fixed proportion of high transaction fees in each parent. For low-cost, recurring digital information products, the transaction costs drawn will increase the overall (four) cost. As for the (4)f to be specific = to add value, it is also inconvenient for the consumer, but also for the operator to bear additional value-added handling fees, increase operating costs. Therefore, in Taiwan, where the penetration rate of mobile phones is already quite high, the appropriate electronic ticketing action value-adding mechanism has been developed. For the 7-Weng e-commerce e-commerce with e-ticket as the media, it is 5 200803435 θ 升 ', brother's struggle Important. In terms of safety, the electronic shackles of the existing electronic ticket are placed in the non-contact IC chip, and the advantage is that the card does not need to be in direct contact with the card machine, and the user can quickly and conveniently charge the card. The disadvantage is that the non-contact ic chip The authentication procedures and rules of t are not public, so there is some doubt in security. Therefore, the security of the contactless 1C chip e-wallet is not as high as that of the contact 1C chip. In recent years, there have been many information security and leakage problems in the society. 'Generally, people have a sense of distrust of electronic transactions. In order to win back the trust of consumers, it is necessary to plan more security controls. Therefore, the present invention uses multiple security. Authentication mechanism, all transactions use digital. The function of encryption and decryption and digital signature 'to make the whole transaction operate under a secure mechanism, through a secure message transmission channel, combined with strict electronic signature authentication function, as a consumer and Operators create appropriate identity authentication measures whose primary purpose is to address identity, confidentiality, data integrity and non-repudiation in application systems. First of all, in terms of industry, in the traditional electronic ticket value-adding method, cash or credit card is used. In terms of cash, the industry is currently having the doubts of receiving counterfeit banknotes and the security considerations for cash holding and holding, and another kind of credit card. The payment mechanism must extract a fixed proportion of high transaction costs in each transaction. For low-cost, recurring digital information products, the transaction costs drawn will increase the overall operating costs. In terms of the use of the face, it is inconvenient for the use of the consumer to go to a specific place to add value to the 200803435 style. For operators, it is necessary to sign the value-added and construction time. There is also the cost of purchasing and maintaining the value-added machine. This will increase the cost of money and time, which is not conducive to the construction of the system.
就安全性而言，現有電子票證的電子錢包都是放在非接 觸式ic晶片中’它的優點是卡片*需要與讀卡機直接接觸， 使用者扣款迅速而且方便，缺點就是非接觸式ic晶片它的認 證程序及法則是不公開的(事實上無人知道它的安全性有多 回），所以在安全性上仍讓人有些f疑處，因此非接觸式忙 晶片電子錢包的安全性不如接觸式Ic晶片來得高。 由此可見，上述習用方式仍有諸多缺失，實非一良善之 设計者，而亟待加以改良。 〜 乃亟 本案發明人鑑於上述習用方式所衍生的各項缺點， 思加以改良創新，並經多年苦心孤錯潛心研究後，終於成功 法 研發完成本件-種使用行動電話作為電子票證付款之方 及其裝置。 【發明内容】 本發明之目的即在於提供一種將行動電話與電信服務姓 合’進行行動加值及帳«統整合之架構與方法，解決° 者要到特定的地點才能加值的不方便問題，對經營者而士、 將無須進行加值點簽約與佈建時間 績… 值機之蹲買與 '准濩成本，可大幅降低金錢和時間成本，以 7 200803435 6又，對推廣交通智慧化頗有助益之使用行動電話作為電子票 證付款機制。 本發明之次一目的即在於提供一種將電子錢包結合於行 動電居的複合式個人識別晶片（〇〇ϋ_ΜΜ)中，它同時兼具接觸 式介面與非接觸式介面，可以將兩個介面功能整合在同一個 Β曰片上，因此它的安全性較高（可支援到TRIpLEDEs及沾八等 加解密演算法則）。In terms of security, the electronic wallet of the existing electronic ticket is placed in the contactless ic chip. 'The advantage is that the card* needs to be in direct contact with the card reader, and the user can quickly and conveniently charge the card. The disadvantage is that it is non-contact. The ic chip's certification procedures and rules are not public (in fact, no one knows how safe it is), so it still has some doubts about security, so the security of contactless busy chip e-wallet Not as high as contact Ic wafers. It can be seen that there are still many shortcomings in the above-mentioned methods of use, which is not a good designer, but needs to be improved. ~ 乃 亟 发明 亟 亟 亟 亟 亟 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 鉴于 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟 亟Its device. SUMMARY OF THE INVENTION The object of the present invention is to provide an architecture and method for integrating mobile phone and telecommunication service surnames for action value addition and account integration, and to solve the inconvenience of adding value to a specific place. For the operators, there will be no need for VAT signing and construction time... Check-in and check-in costs can greatly reduce the cost of money and time, to 7 200803435 6 It is helpful to use mobile phones as an electronic ticket payment mechanism. A second object of the present invention is to provide a composite personal identification chip (〇〇ϋ_ΜΜ) that combines an electronic wallet with a mobile device, which has both a contact interface and a contactless interface, and can perform two interface functions. It is integrated on the same cymbal, so it is more secure (supports TRIpLEDEs and singular encryption and decryption algorithms).
本發明之另一目的即在於提供一種該複合式個人識別晶 片有一塊共用記憶體可讓這兩個介面使用，因此非常適合做 為高安全性的電子錢包載具，一般應用上是使用非接觸式介 面做為扣款消費用而安全性較高的接觸式介面則用來加， 值。本發明所提出的複合式個人識別晶片在電子票證的應用 上算是臺灣首創，但以它兼具安全性以及便利性，將非常適 合做為電子票證電子錢包之用。 可達成上述發明目的之一種使用行動電話作為電子票證 付款之方法及其裝置’<其主㈣將行動電話與電信服務結 合，進行行動加值及帳務系統整合之架構與方法，以悠遊卡 搭乘捷運收費為實施例作說明，當消費者進入捷運之收費閘 機時，閘機扣款單元利用近場無線傳輪方式’將與行動電話 的複合式個人識別晶片進行即時的相互認帛，認證通過之後 才由收費閘機對行動電話的複合式個人識別晶片内的電子 8 200803435 錢包進行扣款動作，在消費者使用一段時間之後，行動電話 中的複合式個人識別晶片電子錢包餘額不足時就必須進行 加值的動作，本發明可以讓消費者隨時隨地的使用其隨身的 行動電話以無線傳送的方式作雙向通訊，行動電話的複合式 個人識別晶片將和行動理財共用中心即時聯線與相互驗證 其身份與密碼，通過認證之後才能開始電子錢包加值與執行 轉帳扣款等交易。Another object of the present invention is to provide a composite personal identification chip having a shared memory for the two interfaces to be used, so that it is very suitable as a high security electronic wallet carrier, and the general application uses non-contact. The interface is used as a deductible consumer and the more secure contact interface is used to add value. The composite personal identification chip proposed by the invention is the first in Taiwan in the application of the electronic ticket, but it is suitable for use as an electronic ticket electronic wallet because of its security and convenience. A method and apparatus for using a mobile phone as an electronic ticket payment for achieving the above object of the invention'<the main (4) combining the mobile phone with the telecommunication service, and implementing the structure and method of the action value-adding and accounting system integration The example of the MRT charge is used to illustrate the example. When the consumer enters the toll gate of the MRT, the gate deduction unit uses the near-field wireless transmission method to instantly recognize the composite personal identification chip with the mobile phone.帛 After the certification is passed, the charge 8 is used to deduct the electronic 8 200803435 wallet in the composite personal identification chip of the mobile phone. After the consumer uses it for a period of time, the composite personal identification chip e-wallet balance in the mobile phone When the situation is insufficient, the value-added action must be performed. The present invention allows the consumer to use the mobile phone with his or her mobile phone to transmit the two-way communication wirelessly anytime and anywhere. The mobile personal identification chip of the mobile phone will be immediately connected with the mobile wealth management center. Line and mutual verification of their identity and password, after certification, can start electronic Wallet bonuses and transactions such as transfer debits.
本發明關於使用行動電話作為電子票證加值費用的付款 方式可以分成兩類：（1)消費者直捧使用理財系統之理財卡轉 帳扣款，用戶可使用各家銀行自行轉帳，因為導入中華電信 虛擬帳戶的方式，消費者毋需負擔跨行轉帳手續費；（2)使用 中華電信電信帳單列帳，這種收費模式目前在台灣相當普< 遍，原因為台灣地區行動電話的普及率已達到七成，位居世 界第三（資料來源：交通部）。此外，台灣使用撥接上網、寬 頻上網的用戶眾多，電信業者擁有龐大客戶的帳單資料，不 管用無線上網或者寬頻、撥接上網消費數位商品，都得經過 電信業者的網路，因此自然形成小額付費的系統業者。至於 對消費者來說不但可以先加值，還可將款項延後至隔月的電 信帳單中再繳交。 本發明將具有⑴有降低營運者的經營成本與(2)兼顧使用 者方便性等兩大經濟效益。就第一點而言，經營者而言無須 9 200803435 進行加值點簽約與佈達聋 〜 守間，也省去加值機之購買與維護成 二大幅降低金錢和時間成本，以加速系統之建設，對推 廣交通智慧化頗有助益 ▲ 沉罘一點而a，湞費者不要到特定 的地』才％加值’料隨身的行動電話以無線傳送的方式作 加值動作，對消f者而言也是—種相當大的便利性，藉由新 的措施’若能讓消費者使用起來很方便時，自然新的措施就 谷易推行成功，對於消費者也將是一大福音。The payment method of the invention for using the mobile phone as the electronic ticket value-added fee can be divided into two categories: (1) the consumer directly transfers the financial card transfer deduction using the wealth management system, and the user can use each bank to transfer the account by itself, because the introduction of Chunghwa Telecom In the way of virtual accounts, consumers do not need to pay cross-bank transfer fees; (2) using Chunghwa Telecom's telecom billing, this charging model is currently quite popular in Taiwan because the penetration rate of mobile phones in Taiwan has been It reached 70%, ranking third in the world (Source: Ministry of Communications). In addition, there are many users in Taiwan who use dial-up Internet access and broadband Internet access. The telecom operators have billing information for large customers. No matter whether they use wireless Internet access or broadband or dial-up to consume digital goods, they have to go through the network of telecom operators. Micro-paying system operators. As for the consumer, not only can the value be added first, but the payment can be postponed to the next month's telegram bill. The present invention will have two major economic benefits: (1) reducing the operating cost of the operator and (2) taking into account the convenience of the user. As far as the first point is concerned, the operator does not need 9 200803435 to sign the VAT and the Buda 聋 守 守 , and also saves the purchase and maintenance of the value-added machine to significantly reduce the cost of money and time to accelerate the system. Construction is very helpful for promoting traffic intelligence. ▲ Sinking a little and a, the fee-payers don’t want to go to a specific place.” The value-added mobile phone is a wireless mobile phone for value-added actions. It is also a kind of considerable convenience. With new measures, if it is convenient for consumers to use it, natural new measures will be successful, and it will be a great boon for consumers.
【實施方式】 請參閱圖-及圖項心為本發明所提供之—種使用行 動電話作為電子票證付款之方法及其裝置，其主要係透過一 行動電話結合複合式個人識別晶片u與行動理財共用中心 12相互通訊，並配合使用行動電肖SIM卡内的安全認證機 J /、付执方式主要为成兩類，並將加值流程說明列舉如下：. (一)理財系統轉帳扣款： ， 步驟一：用戶透過一行動電話結合複合式個人識別晶片 (Combi德)η進行行動域，並送㈣認訊息送至行動理財共 用中12,該行動電話結合複合式個人識別晶片η係由結合 近場無線傳輸方式（Near Field Communication)與GSM(或是3G)行動 通汛旎力之行動電話，使其具有和行動理財共用中心即時 聯線與相互驗證其身份與密碼之功能特徵者；該行動電話結 合複合式個人識別晶片11可與電子錢包相互結合，使其同時 10 200803435 兼具接觸式介面與非接觸式介面 丘用圮棒驊,,. 及『荖兩個介面使用之 而…* 更用非接觸式介面做為扣款消費用 而女王性較高的接觸式介面則用來加值； 步驟二：行動理財共用中心12 ,^ 了貝計迗至，理財系統13 中之虛擬帳戶14或金融卡 跟仃15,该行動理財共用 中心12具有㈣❹者加值金額、身份識㈣等相關資料， 透過網路通訊傳送至電子票證公司16與帳務系統η之功能 特徵者，該筆加值請求只有經過電子票證公司Μ取得授權之 後’行動理財共料心12才能進行使用者加值的服務； 步驟三：理財系統13料扣款完成㈣相行動理財共 用中心12 ; 步驟四:行動理財共用中心12向電子票證公司16取得授 權；該電子票證公司16係可將經由行動理財共用中心以將 使用者加值盈額、身份識別碼等相關資料，透過網路通訊 傳送至電子票證公5Ί 16,肖筆加值請求只有經過電子票證公 司16取得授權之後，行動理財共用中心、12才能進行使用者 加值的服務； 步驟五：行動理財共用中心12傳送加值完成之額度及授 權至用戶行動電話； 步驟六·理財系統13中之虛擬帳戶14或金融卡轉帳付款 銀行15將會與電子票證公司16批次請款；該理財系統13係 11 200803435 可利用行動理財共用中心、12將資料送至理財系統i3的虛擬 帳戶M’此虛擬…在各家銀行皆有設立專戶，每一位消 費者皆可對應到他所開戶銀行的虛擬帳戶Μ，如此消費者的 扣款帳戶與虛擬帳戶14之間的轉帳行為就不會牽涉到跨行 轉帳手續費的問題； 步驟七：待行動理財共用中心12傳送加值記錄後.，再透 過帳務系、统17進行帳單列帳；該帳務系統17係記錄該使用 者加值金額、身份識料料目關資料，透較料信帳單列 帳’以通知消費者繳交加值費用； (一）電信帳單列帳： 步驟一 ·用戶透過行動電話的複合式個人識別晶片Η進 仃仃動加值，並送出確認訊息送至行動理財共用中心12 ; 从步驟二：行動理財共用中心12將資料送至金融卡轉帳付 τ人銀行15中之帳務稽徵系統18進行核對； ,步驟三：帳務稽徵系統18審核完成後，將傳送扣款資料 运回行動理財共用中心12 ; 、 “步驟四：行動理財共用中心12向電子票證公司16取得授 權； *步驟五··行動理財共用中心12傳送加值完成之額度及授 柘至用戶行動電話； '驟/、·帳務稽徵系統18向電子票證公司w $卞 12 200803435 本發明一種使用行動 ★ 丁動電忐作為電子票證付款之 要包括有·· 1 王 -=話结合複合式個人識別晶“ ι，其係會發送加 值訊心至仃動理財共用中心12接收； 一行動理財共用中心1 其係接收行動電話結合複合式 個人識別晶片欲加值之自， 並驗扭其身份與密碼等相關資 料，再將資料送至理財系統13接收； ' 理財系統13，其係接收行動理財共用巾C 12發送之 資料’並將扣款完成資料回傳至行動理財共用中心12，該行 動理財共用中心12再將使用者欲加值、身份識別碼等相關 資料，透過網路通訊傳送至電子票證公司16接收; 電子7K也么司16，其係接收行動理財共用中心12之 資料並驗證後，才會授權行動理財.共用中心12進行使用者 加值之服務； 帳矛系、、先17，其係將行動理財共用中心12傳送加值 記錄後’透祕務系統17進行帳單賴，㈣知使用者繳· 交加值費用。 « 另明參閱圖二及圖四所示，其主要係由一個人身份識 別碼_21、亂數產生模組22、命令加密模組”、傳輸金匙 模組24與交易驗證模組25等單元所組成： 一個人身份識別碼21，該個人身份識別碼21是一組使 13 200803435 用者所自打設定的用戶密碼，在加值之前必須先輸入此一組 用戶密碼，以防止他人隨意啟動加值交易； 、 一亂數產生模組22，該亂數產生模組22是一種任意週 期之亂數產生H ’以提供均句之亂數讓破密者無法找出擬亂 序列之前後關連性； . P 加在模組23，該命令加密模組23允許有關於保 ， 蒦安王杈組〒令在傳送時，不被篡改或辨認出，經由終端裝 •置达給卡片的命令或是卡片回給終端裝置的回應碼，皆可被 加密後傳送，以致於不被辨認出； 一傳輸金匙模組24，該傳輸金匙模組24傳輸金匙的產 生方式可以有下面兩種方式，以達成產丰多重金匙的目的： ()—閱使用者資料表：根據每一張行動電話卡的使 者貝料不同，以致於每一個安全模組的傳輸金匙都不相 同； Ο利用至廷產生演算法··根據不同的行動電話SIM卡使 用者資料可以敎—種特殊的演算法，將使用者資料搗亂之 ' 生的每組傳輸金匙自然就不相同，這樣一來有不法. 知子就無從得知其編碼之規則； 一 父易驗也模組25，該交易驗證模組25行動電話 用*碼予汁算出父易驗證碼，這主要是用來證明該筆交 易確貫由特定的行動電話SIM卡所參與完成； 14 200803435 藉由上述之方4 ’使得持卡人在電子票證加值程序中， 有個方便、可靠且不具爭議性的加值服務，同時也可達成整 體安全、正確的基本要求；在此應时電子票證加值安全系 本發明則提出具有多重 統是扮演整個安全交易之核心技術[Embodiment] Please refer to the figure-and-picture item as a method for providing payment by using a mobile phone as an electronic ticket, and a device thereof, which mainly combines a personalized personal identification chip and mobile banking through a mobile phone. The sharing center 12 communicates with each other and cooperates with the security authentication machine J/ in the mobile phone SIM card. The payment method is mainly in two categories, and the value-added process descriptions are listed as follows: (1) Financial system transfer deduction: Step 1: The user performs a mobile domain through a mobile phone combined with a composite personal identification chip (Combid) η, and sends (4) a message to the mobile banking sharing 12, which is combined with a composite personal identification chip η Near Field Communication and GSM (or 3G) mobile mobile phones, which have the features of instant connection and mutual authentication of their identity and password with the Mobile Banking Center; The mobile phone combined with the composite personal identification chip 11 can be combined with the electronic wallet to make it simultaneously 10 200803435 both contact interface and non-contact The face is made of 圮 骅 , , , and 荖 荖 荖 * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * The Action Banking Sharing Center 12, ^ has a virtual account 14 or a financial card with the financial account 13 in the financial system 13 and the financial management sharing center 12 has (4) the value added by the latter, the identity (4) and other related information. The road communication is transmitted to the functional features of the electronic ticket company 16 and the accounting system η, and the value-added request can only be used for the user's value-added service after the electronic ticketing company obtains the authorization; : The financial system 13 material deduction completed (4) Phase Action Banking Sharing Center 12; Step 4: The Action Banking Sharing Center 12 obtains authorization from the electronic ticketing company 16; the electronic ticketing company 16 Series can be added to the user through the Mobile Banking Center Relevant data such as the value of surplus, identification code, etc., transmitted to the electronic ticket public through the network communication. 5, the PIN pen request is only authorized by the electronic ticket company 16 The financial sharing center and 12 can perform the user value-added service; Step 5: The mobile wealth management center 12 transmits the credited completion amount and the authorization to the user's mobile phone; Step 6: The virtual account 14 or the financial card transfer in the wealth management system 13 Payment Bank 15 will pay for the 16 batches with the electronic ticketing company; the financial system 13 Series 11 200803435 can use the Mobile Banking Sharing Center, 12 to send the data to the virtual account M' of the financial system i3. This virtual... in all banks There is a special account, each consumer can correspond to the virtual account of the bank where he opened the account, so the transfer between the consumer's debit account and the virtual account 14 will not involve the inter-bank transfer fee; Step 7: After the action wealth sharing center 12 transmits the value-added record, the account system and the system 17 perform billing; the account system 17 records the user's added value and the identity information. The information is sent to the consumer to pay the value-added fee; (1) telecom billing: Step 1: User's composite personal knowledge through mobile phone Don't chip into the turmoil bonus, and send a confirmation message to the mobile wealth management center 12; From step 2: the action financial sharing center 12 sends the data to the financial card transfer payment τ people bank 15 account levy system 18 Checking; Step 3: After the audit of the account verification system 18 is completed, the transfer debit information will be transported back to the mobile wealth management center 12; “Step 4: The Action Banking Sharing Center 12 obtains authorization from the electronic ticket company 16; Step 5··Action Banking Sharing Center 12 transmits the credited completion amount and the authorization to the user's mobile phone; 'Sc/,·Accounting and collecting system 18 to the electronic ticketing company w $卞12 200803435 The present invention uses a action ★ Ding The electric power 忐 as an electronic ticket payment must include ·· 1 king-= words combined with the composite personal identification crystal “ ι, its system will send the value-added message to the mobile financial center 12 receiving; an action financial sharing center 1 It receives the mobile phone and combines the personal identification chip to add value, and checks its identity and password and other related information, and then sends the data to the wealth management system 13 for receiving; 'Financial System 1 3. It receives the information sent by the mobile wealth management sharing towel C 12 and returns the debit payment completion data to the mobile wealth management center 12, and the mobile wealth management center 12 further adds the user's desire to add value, identification code and the like. It is transmitted to the electronic ticket company 16 through the network communication; the electronic 7K is also the division 16, which receives the information of the mobile wealth management center 12 and verifies it, then authorizes the mobile banking. The sharing center 12 performs the user value-added service. The account spears, first 17, the department will transfer the value-added record to the mobile wealth management center 12, 'through the secret system 17 to carry out the bill, (4) know the user pays the value-added fee. « See also Figure 2 and Figure 4, which are mainly composed of one person ID_21, random number generation module 22, command encryption module, transmission key module 24 and transaction verification module 25. The composition is: a person identification code 21, the personal identification number 21 is a set of user passwords that are set by the user of the 2008 200803435. Before the value is added, the user password must be input first to prevent others from automatically starting the added value. Transaction; a random number generating module 22, the random number generating module 22 is an arbitrary period of random numbers to generate H ' to provide a random number of the uniform sentence so that the thief can not find the correlation before and after the chaotic sequence; P is added to the module 23, and the command encryption module 23 allows for the protection, the 蒦安王杈 group command is not tampering or recognizing when transmitting, and the command or card for the card is set via the terminal. The response code returned to the terminal device can be encrypted and transmitted so as not to be recognized; a transmission key module 24, the transmission key module 24 can be generated in the following two ways. To achieve the production of multiple gold The purpose of: () - read the user data sheet: according to the different messenger materials of each mobile phone card, so that the transmission key of each security module is different; Ο use the algorithm to generate the algorithm · according to different The mobile phone SIM card user data can be a special algorithm, and the user data is confusing. The raw transmission key of each group is naturally different, so that there is no law. Rule; a parental test module 25, the transaction verification module 25 mobile phone uses the * code to calculate the father's easy verification code, which is mainly used to prove that the transaction is actually participated by the specific mobile phone SIM card. Completed; 14 200803435 With the above 4', the cardholder has a convenient, reliable and non-controversial value-added service in the electronic ticket value-adding procedure, and can also achieve the overall safety and correct basic requirements; This time-based electronic ticket value-added security system, the present invention proposes that having multiple systems is the core technology that plays the entire security transaction.
安全認證機制的電子票證加值安全模組，將其結合於行動電 話謝卡之内，使得所有交易之訊息都使用數位加解密及數 位簽章的功能，讓整個交易在安全的機制下運作，而所謂多 重安全認證機制就是每一個安全認證的關卡都有獨立的屬 性與金匙的控管。 子票證付款之 更具有下列之 本發明所提供之一種使用行動電話作為電 方法及其裝置，與其他習用技術相互比較時， 優點： 1·本發明係在於提供-種將電子錢包與行動電話的複合 式個人識別晶片相結合’使其同時兼具有接觸式介面與非接 觸式介面，由於將兩個介面功能整合在同一個晶片上:、相對 它的使用安全性較高’且複合式個人識別晶片有—塊共用記 憶體可讓這兩個介面使用，因此非常適合做為高安全性的電 子錢包載具’-般應用上是使用非接觸式介面做為扣款消費 用而安全性較高的接觸式介面則用來加值，由於兼具有、入 性以及便利性，將非常適合做為電子票證電子錢包之用。 2·本發明係在於提供一種行動電話的專屬性高， 不但可以 15 200803435 當作個人身份的驗證’亦可結合智慧卡ic晶片中的安全機 制更可以提升使用i之安全性肖使用方便性。 3.本發明係在於提供_制用複合式個人識別晶片之安 全機制1了本身已具備不可複製性所擁有之高安全等級 外，在使用者不慎请委太| _ n 士 _ 逍失本發明時，亦可避免他人盜用使用者 之數位憑證。 4·本發明係在於提供_ ’、 種可以有效降低經營者的「營運成 本」與兼顧「使用者方便性」’藉以達到具有多重功效之目 的。 5·本發明係在於提供一種 _ 種便用夕重女全涊證機制，將所有 父易之祝息都使用數位加解密 且 鮮在及數位食章的功能，讓整個交 易在安全的機制下運作，透八 ^ 逯女王的訊息傳輸通道，結合嚴 费的電子簽章認證功能，作 盛〜 料費者與營運業者創造妥善的 身"fo s忍證措施，宜幸里曰从 ,^ ’、 就疋要解決應用系統中的身份認 °正生、機检性、資料完整性、與不可否認性。 6·本發明係在於提供一種經營 -^ ^ 可“、、肩進仃加值點簽約與 時間，也省去加值機之構買與 我4 士 *曼成本，可大幅降低金 "守間成本，以加速系統之 助益。 對推廣父通智慧化頗有 7·本發明係在於提供一種消費 〜 加枯 、者不要到特定的地點才能 ，用其隨身的行動電話以益緣 .、、、緣傳适的方式作加值動作， 200803435 對消費者而言也是一種相當大的方便。 上列詳細說明係針對本發明之一可行實施例之具體說 明，惟該實施例並非用以限制本發明之專利範圍，凡未脫離 本毛月技藝精神所為之等效實施或變更，均應包含於本案之. 專利範圍中。 - “ 絲上所述’本案不但在技術思想上確屬創新，並能較習 — 用物品增進上述多項功效，應已充分符合新穎性及進步性之 定發明專利要件，妥依法提”請，懇請貴局核准本件 發明專利申請案，以勵發明，至感德便。 【圖式簡單說明】 明參閱以下有關本發明一較佳實施例之詳細說明及其附 圖，將可進一步瞭解本發明之技術内容及其目的功效；有關 該實施例之附圖為： 圖一為本發明一種使用行動電話作為電子票證付款之方 _ 法及其裝置之系統架構圖； 圖二為該一種使用行動電話作為電子票證付款之方法及 其裝置之動作流程圖； 圖二為該一種使用行動電話作為電子票證付款之方法及 其衣置之多重安全認證系統架構圖；以及 圖四為該一種使用行動電話作為電子票證付款之方法及 其裝置之多重安全認證動作流程圖。 · 17 200803435 【主要元件符號說明】 ' 11行動電話結合複合式個人識別晶片 12行動理財共用中心 13理財系統 14 虛擬帳戶 15 金融卡轉帳付款銀行 16 電子票證公司 • 17 帳務系統 18 帳務稽徵系統 21 個人身份識別碼 22 亂數產生模組 23 命令加密模組 24傳輸金匙模組 25交易驗證模組 18The electronic ticket value-added security module of the security authentication mechanism is integrated into the mobile phone Xieka, so that all transactions are encrypted and digitally signed, so that the entire transaction operates under a secure mechanism. The so-called multiple security authentication mechanism means that each security authentication level has independent attributes and key management. The sub-ticket payment further has the following one of the inventions provided by the present invention as an electric method and an apparatus thereof, and when compared with other conventional techniques, the advantages are as follows: 1. The present invention is to provide an electronic wallet and a mobile phone. The composite personal identification chip combines 'making it both a contact interface and a contactless interface, since the two interface functions are integrated on the same wafer: it is safer to use than it's and the composite individual The identification chip has a block-shared memory that allows these two interfaces to be used, so it is very suitable as a high-security electronic wallet carrier. The general application is to use the contactless interface as a deduction for consumer use. The high contact interface is used for value added, and because of its compatibility, convenience and convenience, it will be very suitable for use as an electronic ticket wallet. 2. The present invention is to provide a mobile phone with high specificity, which can not only be verified as a personal identity, but also can be combined with the security mechanism in the smart card IC chip to improve the security of using i. 3. The present invention is to provide a security mechanism for a composite personal identification chip. 1 The user has inadvertently possessed a high security level, and the user inadvertently asks for too much | _ n 士 _ 逍When inventing, it is also possible to prevent others from stealing the user's digital certificate. 4. The present invention is based on the provision of _', which can effectively reduce the "operating cost" of the operator and the "user convenience" to achieve multiple effects. 5. The present invention is to provide a _ 用 用 重 女 女 女 女 女 , , , , 夕 夕 夕 夕 夕 夕 夕 夕 夕 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父 父Operation, through the Queen's message transmission channel, combined with the strict electronic signature certification function, to create a good body and the operator to create a proper body, "fo s tolerant measures, Yi Xingli from, ^ ', it is necessary to solve the identity of the application system, the integrity of the machine, the integrity of the data, and non-repudiation. 6. The present invention is to provide a business-^^ can ",, shoulder-input value-added point signing and time, but also saves the construction of the value-added machine and my 4 士*曼 cost, can greatly reduce the gold " The cost of the system is to accelerate the benefit of the system. It is quite useful to promote the wisdom of the father. 7. The invention is to provide a kind of consumption ~ addicted, do not go to a specific location, use its mobile phone to benefit. And the method of value-adding, the value-added action, 200803435 is also a considerable convenience for the consumer. The above detailed description is specific to a possible embodiment of the present invention, but the embodiment is not intended to be limited The scope of patents of the present invention, which are equivalent to the implementation or modification of the technical spirit of this month, shall be included in the scope of the patent. - "On the silk", this case is not only technically innovative, And it can be used to improve the above-mentioned multiple functions, and should fully comply with the novelty and progressiveness of the invention patent requirements, please refer to the law. Please, please ask your office to approve the invention patent application, in order to invent BRIEF DESCRIPTION OF THE DRAWINGS The following is a detailed description of a preferred embodiment of the invention and its accompanying drawings, which will be further understood, BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a system architecture diagram of a method for using a mobile phone as an electronic ticket payment method and a device thereof; FIG. 2 is a flow chart of an operation method for using a mobile phone as an electronic ticket payment method and an apparatus thereof Figure 2 is a diagram showing the method of using a mobile phone as an electronic ticket payment method and its multiple security authentication system architecture; and FIG. 4 is a multiple security authentication action using the mobile phone as a method for electronic ticket payment and its device Flowchart · 17 200803435 [Key component symbol description] '11 mobile phone combined with composite personal identification chip 12 mobile wealth management center 13 financial system 14 virtual account 15 financial card transfer payment bank 16 electronic ticket company • 17 accounting system 18 account务 征 征 21 Personal Identification Number 22 Random Number Generation Module 23 Let the encryption module 24 transmit the gold key module 25 transaction verification module 18