201025163 九、發明說明： 【發明所屬之技術領域】 提供^款消費之需求時，因為行動裝置 裝置行動轉帳或行動吏行用步者驟蓉及參說^下。在使用者使用行動 目前㈣=:的網站，敬一 第一種方式： 者ί某商剌買商品，且欲_手機付款時，先由商家發 =:訊二透過代理銀行向發卡銀行請求付款，發卡銀行利用簡訊 ()、持卡人輸人密碼等各種方式，得職卡人的妍且不可否認 性後，用手機内的加密付款功能，將持卡人的簽章及加密資料送至 發卡銀行，發卡銀行將簽章及加密㈣抑反解，健對無誤後， ❹ 便可將貨款轉出忖單銀行，收單銀行再回覆絲確認訊息，始完成 支付行為。 整個請求訊息的傳送過程如下： 商家-> 代理銀行轉接中心·>發卡銀行_>電信業者_> 使用者-> 使用者於手機確認’並回覆發卡銀行_；>電信業者_>發 卡銀行_>請轉接中心撥款給代理銀行，並回覆代理銀行確認訊息_> 代理銀行-> 商家收到確認訊息_>貨品交給使用者。 第二種方式： 當使用者已於券商下單購買某股票後，欲利用手機轉帳時，首先 使用手機内的轉帳功能，將簽章及加密資料送至發卡銀行後，待核對 無誤後，即可把股票款轉出至券商指定扣款帳號，完成支付行為。 5 201025163 整個請求訊息的傳送過程如下·· 使用者使用者於手機轉帳功能，並傳送 -=發卡銀行·> *轉接中心撥款給麵^電= .銀行確認訊.一銀一 *者->4::= 但是上述兩種方式，均有下列缺點： 參 1:=:相並不信賴’造成翠，中，僅能容納-家 2. 用行_或行_，_ 3· ^==#墙自㈣嶋，她嫩操作娜 二„戶内的餘額不足時，必須抽換卡片，更換為另 ，金融帳戶，才能完成付款或轉帳行為。 ❹ :的行動付A ’未支援不需密碼或類似需持卡 行為之電子錢包。 只又7 使用者人欲加裝電子錢包，將造成手機同時有處理金額較大的支 1 帳戶(號)’及處理金額較小的電子錢包，二者卻無法溝通及整合。 ^解決上述問題，本發明提供一種在行動裝置提供使用者選擇複 數金融帳戶進行轉帳或付款的方法，以改善上述問題。 【發明内容】 本發明之主要目的’在提供—種在行動裝置提供使帛者選擇複數 金融帳戶進行轉帳或付款的方法，其係驗目前單_帳戶的不便性， 以及使用者擁有多個金融帳戶，需要使用多個晶片之困擾。 本發明之另-目的，在提供—種在行動裝置提供使用者選擇複數 6 201025163 付㈣枝，其倾健合料子处，並可舆 本發明之又一目的，扃於7ιχ 數金融帳戶糊擇複 金融模組能提供高度安全的環 ' ^ 'Ba中提供一金融模組， 資料單元，每一安全聽^金__建有複數鱗屬的安全 金融資訊，每-個金融機構均融帳戶及相關 金融機構_互信。 _其制之録碰，以達成各 本發月之又目的’在於提供一種在行動裝置提供 $融帳戶進行轉帳或付款的方法，其係提供統—的交祕程減少 先則技術巾使肖者_作過財產生财關題。 / 祕提供-種在行動裝置提供使用者選擇複數金融帳戶進行 =ΐΓ=依循_卡的付款體系架構，由使用者於 機金融帳戶，每—金融帳戶係使用者向一金融 機構申睛。當使用者進行轉帳或付款，使用者可於該行動裝置中，選 ❹ ^任-或任二以上之金融帳戶對同—筆帳單進行轉帳或付款。其中行 動裝置電訊連接至-電信主機，且電信主機與金融網路連接因此使 用者可利用行動裝置進行轉帳或付款，並解決目前單一帳戶的不便 性，以及使用者擁有翅金雜戶，需要制翅晶片之困擾。 本發明於晶片巾提供-金賴組，金融模域提供高度安全的環 境，金融模組内建有複數個專屬的安全資料單元，每一安全資料單元 提供一金融機構設定其金融帳戶及相關金融資訊，每一個金融機構均 僅能使用其對應之金融模組，以達成各金融機構間的互信。本發明並 提供統一的交易流程，減少先前技術中使用者於操作過程中產生混淆 的問題。 底下藉由具體實施例配合所附的圖式詳加說明，當更容易瞭解本 發明之目的、技術内容、特點及其所達成之功效。 7 201025163 , 【實施方式】 錄_裝置健祕者使科-如㈤，來執行轉帳及付 款之金流行為，但目前開放且蓬勃發展的金融環境，使用者需要的是 能在單-的行動裝置下，能夠自主的選擇對使用者方便，或較有利= ‘帳戶(號），來執行付款及轉帳之方式，並且需要整合快速的小額付款功 能。因此，本發明提供-種在行動裝置提供使用者 進行轉帳或付款的方法，其係依循DEBIT卡的付款體系架構，即Z 帳戶内必有要有足夠的金融，始能完成行動付款或行動轉帳。 為能詳細制本發明，請參照第—肢第二圓。本發明之 行2裝置赌制者選擇魏金祕彳妨娜或付款㈣法包括下 :步驟，首紐行步驟S12及㈣S14，首細任—金融機構申請一 融帳戶，在申請众金融帳戶的同時，可直接臨櫃申 付欲或行動轉_服務，銀行行㈣會奸錢者—張“ 12， 者電:=據使用者填寫的資料，先行對晶”二二 ❹ 然後進行步驟S16，獅者可⑽此晶片12，與行 所申請的任一以上之金融帳戶，全部輪入 腦L。。在本實施例中’行動裝置係為手機16、PDA18、筆記型電 請一併參照第三囷，第三圏係晶片的内部模 融模組24通域組22係行動裝置】 金 裝置14係通信模組22與 、= 主機32之媒介，行動 模組^編獅咖藉由通信 複個金融模組，每—個金融模組况均有複數個綱安全資料 8 201025163 金融資安全資料單％提供-金融機構設定其金祕戶及相關 料職之金融顯，以達成各金融機構間 亦無法連接或變=:::=:帳戶各_， 金融楚t示金融模組的意涵，在第三圖中，將金融模組分別用 ?融模峨、金融模組(C)、⑺連鎖業者模組、(乙)連201025163 IX. Description of the invention: [Technical field to which the invention pertains] When the demand for consumption is provided, the mobile device is used for action transfer or action, and the step-by-step is used. In the user's use of the current (four) =: website, Jingyi first way: ί 剌 剌 剌 剌 剌 剌 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机 手机The card-issuing bank uses the newsletter (), the cardholder's input password, and other methods. After the cardholder's embarrassment and non-repudiation, the cardholder's signature and encrypted data are sent to the card issuer using the encrypted payment function in the mobile phone. Banks, issuing banks will sign and encrypt (4) and reverse the solution. After the correctness is correct, ❹ can transfer the money out of the bank, and the acquiring bank will reply to the confirmation message and complete the payment. The entire request message is transmitted as follows: Merchant-> Proxy Bank Transfer Center·> Issuer Bank_>Telecommunications Player_>User-> User confirms on the mobile phone and replies to the issuing bank _;> Telecom Industry_> Issuing Bank_> Please transfer the center to the correspondent bank and reply to the correspondent bank confirmation message _> Agent Bank-> The merchant receives the confirmation message _> The goods are delivered to the user. The second way: When the user has purchased a stock after the broker has placed an order and wants to use the mobile phone to transfer money, first use the transfer function in the mobile phone to send the signature and encrypted data to the issuing bank, after the verification is correct, The stock payment can be transferred out to the broker's designated debit account to complete the payment. 5 201025163 The whole request message transmission process is as follows: · User user in mobile phone transfer function, and transfer -= issuing bank ·> * Transfer center grant to face ^ electricity = . Bank confirmation message. One silver one * >4::= But the above two methods have the following disadvantages: Reference 1:=: Phase does not trust 'caused Cui, medium, can only accommodate - home 2. Use line _ or line _, _ 3· ^ ==#Wall from (4)嶋, her tender operation Na 2 When the balance in the house is insufficient, the card must be exchanged and replaced with another financial account to complete the payment or transfer. ❹ : The action pays A 'not supported A password or similar e-wallet that requires cardholders. Only 7 users who want to install an e-wallet will cause the mobile phone to have a larger account (number) and a smaller e-wallet. The two cannot communicate and integrate. ^ To solve the above problems, the present invention provides a method for providing a user to select a plurality of financial accounts for transfer or payment in a mobile device to improve the above problem. [The main object of the present invention] Provided - a kind of mobile device A method for the latter to select a plurality of financial accounts for transfer or payment, which is inconvenient for the current single account, and the user having multiple financial accounts, which requires the use of multiple chips. The other object of the present invention is Providing a kind of mobile device to provide users with a choice of a plurality of 6 201025163 pay (four) branches, which can be used for another purpose of the present invention, and can provide a high degree of security for the financial account of the financial account. The ring ' ^ 'Ba provides a financial module, a data unit, and each security listens to the gold __ has built a number of security financial information, each financial institution is a financial account and related financial institutions _ mutual trust. The purpose of the recording, in order to achieve the purpose of each month of the month is to provide a way to provide a mobile account for transfer or payment in the mobile device, which provides a unified system of secrets to reduce the technical towel. _ has made a financial fortune issue. / Secret offer - kind of mobile device provides users to choose multiple financial accounts to carry out = ΐΓ = follow the card payment system architecture, by the user in the machine financial account, each - gold The account user is appealing to a financial institution. When the user makes a transfer or payment, the user can select the bank account of the same or more than two financial accounts to transfer or pay the same bill. The mobile device is connected to the telecommunications host, and the telecommunications host is connected to the financial network, so that the user can use the mobile device to transfer money or pay, and solve the inconvenience of the current single account, and the user has the need to have a pet account. The invention is provided in the wafer towel-Jin Lai group, the financial model domain provides a highly secure environment, the financial module has a plurality of dedicated security data units built therein, and each security data unit provides a financial institution setting. With its financial account and related financial information, each financial institution can only use its corresponding financial module to achieve mutual trust between financial institutions. The present invention also provides a unified transaction flow that reduces the confusion of users in prior art during operation. The purpose, technical contents, features, and effects achieved by the present invention will become more apparent from the detailed description of the embodiments and the accompanying drawings. 7 201025163 , [Implementation] Recording _ device secrets to enable the branch - such as (five), to perform the gold transfer of transfer and payment, but the current open and booming financial environment, users need to be able to act in a single - Under the device, it is convenient to use the user's convenience, or more favorable = 'account (number), to perform payment and transfer, and need to integrate the fast micropayment function. Accordingly, the present invention provides a method for providing a user with a transfer or payment by a mobile device, which is based on a DEBIT card payment system architecture, that is, there must be sufficient funds in the Z account to complete the action payment or action transfer. . In order to make the invention in detail, please refer to the second leg of the first limb. The line 2 device of the present invention chooses the Weijin secret 彳 或 or the payment (four) method includes the following steps: the first step S12 and (4) S14, the first fine-finance institution applies for a financial account, in the application for the public financial account At the same time, you can directly apply for the payment or action transfer _ service, the bank (4) will swindle the money - Zhang "12, the electricity: = according to the information filled out by the user, first on the crystal" 22, and then proceed to step S16, The lion can (10) this wafer 12, with any financial account applied for by the bank, all rounded into the brain L. . In the present embodiment, the mobile device 16 is the mobile phone 16, the PDA 18, and the notebook type. Referring to the third device, the internal molding module 24 of the third tethered wafer is the mobile device. The communication module 22 and the media of the host 32, the action module ^ lion café and the financial module by communication, each financial module has a plurality of security information 8 201025163 gold financing safety information sheet% Providing - financial institutions set their financial secrets and related financial positions to achieve that financial institutions can not connect or change =:::=: account _, financial Chu t indicates the meaning of financial modules, In the third chart, the financial modules are used respectively, the financial module (C), (7) chain operator module, (B) company
用於鈒巾金賴雖）、絲触(Β)、金融餘(〇係提供給 、者使用；（甲)連鎖業者模組、（乙)連鎖業者模組則提供給連 頌系f。 進行步驟S18 ’ ^使用者欲購買商家的商品，以行動裝置μ實 施行，付款或行動轉帳時，可選擇進行步驟S2Q或者進行步驟s22。 行進行步驟S2G，使用者選擇任—金融帳戶實施行動付款；如進 仃步，S22 ’使用者選擇任二以上金融帳戶實施行動付款。 凊注意’本發明必須滿足金融帳戶的餘額大於付款金額（商品金 額），因此當單-金融帳戶中的餘額不足，使用者可以選擇其他的金融 帳戶’對同-筆帳單實施步驟S22。或者，使用者有其他的理財規劃， 亦可以選擇步驟S22來進行行動付款或行動雜。雜，在實施步称 S22時’相_金融機構僅能使用相對應的金融模組進行資訊的傳輸。 進行完步驟S2G或步驟S22後’接輕行轉S24及步驟S26， 行動裝置12 _通信模組22與電信主機32電訊連接，並將付款資 訊或轉帳資訊’傳遞至電信域32，電信主機32再金融網路透 過更新平台34將付款資訊或轉帳資訊傳遞至仲介機構36。 當使用者人所使用的(任一)金融帳戶之金融機構，等於商家所開設 的金融帳戶之金融機構時，則進行步驟S28及步驟S30，將付款資訊 或轉帳資訊傳遞至發卡金融機構38後，將付款完成訊息沿著上述路徑 反向送回給使用者。 201025163 , 當使用者人所使用的(任一或任二以上)金融帳戶之金融機構，不等 於商家所開設的金融帳戶之金融機構時，請參照第一圖及第四圖，進 行步驟S32、步驟S34及步驟S36 ’將轉帳或付款資訊傳至發卡金融 機構38，轉帳或付款資訊再透過仲介機構36傳至付款金融機構4〇， ' 接著付款完成訊息透過仲介機構36及電信主機32將扣款資訊傳回給 使用者。其中，上述所提及使用者進行行動轉帳或行動付款時，使用 者均需輸入一組密碼，用以確認金融帳號的正確性及交易不可否認 性；或以多組密碼來確認金融金易的正確性，其中每一組密碼係對^ 一組金融帳戶，或多組金融帳戶對應同一組密碼。本發明能解決目前 參單一帳戶的不便性，以及使用者擁有多個金融帳戶，需要使用多個晶 片=困擾。本發明係於一個晶片中提供金融模組，金融模組能提供^ 度安全的環境，金融模組内建有複數個專屬的安全資料單元每一安 全資=單元提供-金融機構設定其金赚戶及細金融資訊或由連鎖 業者蚊其金雜彳及細金融冑訊，每-個金_構或連鎖業者均 僅能使用其對應之金融模組，以達成各金融機構間或連鎖業者的互 信。本發明並提供統-的交祕程’減少先前技術中使用者於操作過 程中產生混淆的問題。 關於本發明的特點： ® 1·若手機it失或被竊時，目支援金触场金融卡交胃需金融密碼確 認，故可防止他人假冒原手機使用人進行交易。 2·原發卡金融機構對某金融帳戶可進行新增、修改、刪除及失效等等 «又疋，如原發卡金融機構對某金融帳戶有質疑情況時，可由原發卡 金融機構將其對應之金融模組予以失效。 3.雜動裝置使狀更換_行動裝置，只需將載有金賴組的晶片 抽出’再與新的行動裝置連接即可， 4_行動裝置使用者不再使用某一金融模組，使用者可向原發卡金融 構請求予以刪除該金融模組。 201025163 5. 並累 商家可對其對應之金融模組(連鎖業者模組)進行 及失效等嫩，如新增紅概，購買某-商品有送刪除 積紅利點數以作為其他用途。 唯以上所述者，僅為本㈣之較佳實補而已，並_來限定本 發明實施之範圍。故即凡依本發明巾請範圍所述之形狀、構造、特徵 及精神所為之均等變化或修飾，躺包括於本發明之巾請柄範圍内。 【圖式簡單說明】 第一圖係本發明之一實施例之實施步驟流程圖。 第二圖係本發明之一實施例之方塊示意圖。It is used for 鈒 金 ) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Step S18 ' ^ When the user wants to purchase the merchandise of the merchant, and performs the action, the payment or the action transfer, the step S2Q or the step s22 may be performed. The step S2G is performed, and the user selects the financial account to implement the action payment. If you step forward, S22 'users choose any two or more financial accounts to implement action payments. 凊Note 'The invention must satisfy the balance of the financial account is greater than the payment amount (the amount of the goods), so the balance in the single-financial account is insufficient. The user can select another financial account to perform the step S22 on the same-selling bill. Alternatively, the user has other financial planning, and can also select step S22 to perform the action payment or the action miscellaneous. In the implementation step S22 'phase_financial institution can only use the corresponding financial module to transmit information. After step S2G or step S22 is performed, 'take the light switch S24 and step S26, the mobile device 12 _ The communication module 22 is in telecommunication connection with the telecommunication host 32, and transmits payment information or transfer information to the telecommunication domain 32. The telecommunication host 32 then transmits the payment information or the transfer information to the intermediary 36 through the update platform 34. If the financial institution of the (any) financial account used by the person is equal to the financial institution of the financial account opened by the merchant, then step S28 and step S30 are performed, and the payment information or the transfer information is transmitted to the card issuing financial institution 38, The payment completion message is sent back to the user in the reverse direction along the above path. 201025163, when the financial institution of the financial account (either any or more) used by the user is not equal to the financial institution of the financial account opened by the merchant Please refer to the first figure and the fourth figure, and proceed to step S32, step S34 and step S36 to transfer the transfer or payment information to the issuing financial institution 38, and the transfer or payment information is transmitted to the payment financial institution through the intermediary institution 36. ' The payment completion message is then transmitted back to the user via the agency 36 and the telecommunications host 32. The user mentioned above In the case of action transfer or action payment, the user is required to input a set of passwords to confirm the correctness of the financial account number and the non-repudiation of the transaction; or to confirm the correctness of the financial account with multiple sets of passwords, each of which is a set of passwords. For a group of financial accounts, or a group of financial accounts corresponding to the same set of passwords, the present invention can solve the inconvenience of currently participating in a single account, and the user has multiple financial accounts, and needs to use multiple chips = trouble. The present invention is A financial module is provided in one chip, and the financial module can provide a safe environment. The financial module has a plurality of dedicated security data units built in. Each security resource is provided by the unit. The financial institution sets its financial earners and fine financial institutions. Information or by the chain industry's mosquitoes and financial newsletter, each of the gold-chain or chain operators can only use their corresponding financial modules to achieve mutual trust between financial institutions or chain operators. The present invention also provides a solution to the problem of confusing users in the prior art. Regarding the characteristics of the present invention: ® 1. If the mobile phone is lost or stolen, the financial support card for the financial support card needs to be confirmed by the financial password, so that the user can be prevented from counterfeiting the original mobile phone user. 2. The original card financial institution may add, modify, delete and invalidate a financial account. Further, if the original card financial institution has a question about a financial account, the original card financial institution may assign its corresponding financial The module is invalidated. 3. The hybrid device replaces the mobile device. It only needs to extract the wafer carrying the Jinlai group and connect it with the new mobile device. 4_ Mobile device users no longer use a financial module, use The financial module may be deleted from the original card financial institution. 201025163 5. And the merchants can carry out the corresponding financial module (chain operator module) and invalidation, such as adding a red, purchase a certain product to send and delete bonus points for other purposes. The above is only the preferred complement of the present invention and is intended to limit the scope of the present invention. Therefore, the shapes, structures, features and spirits described in the scope of the invention are equally varied or modified, and are included in the scope of the towel handle of the present invention. BRIEF DESCRIPTION OF THE DRAWINGS The first drawing is a flow chart of the implementation steps of an embodiment of the present invention. The second figure is a block diagram of an embodiment of the present invention.
第三圊係本發明之晶片之方塊示意圖。 第四圖係本發明之又一實施例之方塊示意圖。 【主要元件符號說明】 12晶片 14行動裝置 16手機 18 PDA 20共用平台 22通信模組 馨. 24金融模組 32電信主機 34更新平台 36仲介機構 38發卡金融機構 40付款金融機構 42筆記型電腦The third schematic is a block diagram of the wafer of the present invention. The fourth figure is a block diagram of still another embodiment of the present invention. [Main component symbol description] 12 chip 14 mobile device 16 mobile phone 18 PDA 20 shared platform 22 communication module Xin. 24 financial module 32 telecommunications host 34 update platform 36 agency 38 card issuing financial institution 40 payment financial institution 42 notebook computer