201112141 六、發明說明： - 【發明所屬之技術領域】 本發明係有關-種行動刷卡系統與方法’尤指一種具 有安全機制的行動刷卡系統與方法，可以兼顧行動刷卡的 便利性，並且同時提高行動刷卡的安全性 【先前技術】 隨著經濟的進步及消費方式的改變’塑膠㈣的流通 與使用已經是日常生活的一部分。除了信用卡、VISA金融 卡、晶片金融卡外，市場上還流通許㈣態的會員卡或儲 值卡。這些卡片㈣行，不僅增加客戶的、;肖#的忠誠度’ 也增加消費及交易的便利性，因此各種企業無不積極發 行。另一方面，隨著外送、行動商店（例如，計程車、行動 美髮車、行動咖啡車）或其他宅配到府收費的服務型態的普 及，行動刷卡的市場需求越來越高。行動刷卡服務提供許 多優點，可以不受時間或地點之限制，以更貼近客戶之方 式，提供便利安全的服務（例如，塑膠貨幣未曾離開客戶視 =圍)，來接受客戶以塑膠貨幣付款。針對日益成長的市 ^求^多與行動刷卡相_研究及技術也應運而生， 目f市％上對於各種行動刷卡服務的衍生也寄予厚望。近 201112141 ‘年來由於電信相關與資訊安全％解密技術的進步，許多加 解密技術更是廣泛用於以網際網路為基礎的金融服務，希 望藉由大幅提高解密的難度，得以保有消費交易或金融相 關資訊的隱私與安全。 例如’亞太英弗電訊股份有限公司提供一種MTT無線 刷卡手機’此無線刷卡機的目的是希望在有線p〇s無法延 申的業務上進行交易，又保有實體刷卡的安全（不像網 #路刷卡資料容易外茂），提高交易的安全度，降低了商家在 貨到付款交易中的貨款受理風險。要使用此行動刷卡機需 要經過申請，-定要是有登記的商家行號才可申請，申請 通過後成為特約商店，銀行會给每個特約商店一組特定的 Merchant ID，而每一個MTT無線刷卡手機會有一個 Terminal ID，一個 Merchant ID 可以對應多個 Terminal ID(連鎖店或多分店可使用）。 • 另外，台灣專利公開公報編號：200734952提出一種 針對MTT無線刷卡手機設計的無線刷卡手機的付費及資訊 流、金流、物流的整合模組，讓顧客不管在哪裡都可以交 易，交易完後商家可以即時將交易資料進行身分確認、金 額確認、及銷貨確認等資訊流、金流、物流的整合動作， 並同步完成顧客檔案建檔及交易紀錄，提供後續行銷及顧 客關係維繫。在技術手段方面，其流程依序為：特約商店 代表與顧客見面、顧客透過無線刷卡手機付費並以行動網 201112141 路將嬙物資訊回傳至門市、顧客持收執^聯至門市取貨、及 電腦進行資料庫更新及顧客資料建檔。然而該專利申請案 之安全機制係僅仰賴於無線刷卡手機的GPRS與證金公司 之間的連線，換言之，該專利申請案之安全機制係完全交 .由與證金公司的無線連線來認證特約商店之正確性。 台灣專利公報編號1229279揭露一種顧客和商家間授 權安全處理業務之方法及其系統，係藉由一主電腦與一遠 φ 端的電子裝置間的檢查碼與回應碼的比較來達到其授權的 安全性。同樣的，該專利案係完全著眼於主電腦（例如，證 金公司）與遠端的電子裝置（例如，刷卡手機）間之認證。換 言之，在未連線之前，則無法提供適當的安全機制，以杜 絕信用卡被不當側錄的機會。 由於安全的行動刷卡服務可以提高交易的便利性，促 進經濟活絡，進而衍生更多型態的行動服務與交易，創造 φ 更多就業機會，因此，如何提供一種具有安全機制的行動 刷卡系統與方法，可以兼顧行動刷卡的便利性，並且同時 提高行動刷卡的安全性係為當務之急。 【發明内容】 基於上述習知技術之缺失，本發明之主要目的係梃供 一種具有安全機制的行動刷卡系統與方法，以提供未連線 授權管理中心前之安全機制的方式來解決習知之行動刷卡 201112141 所造成的限咖’既可以兼顧行動刷卡的便利性《，並且同時 提高行動刷卡的安全性。以下本說明中所指稱之刷卡係泛 指磁條式、晶片式或其他方式之卡片資料之讀取。 為達上述目的，本發明提供一種具有安全機制的行動 刷卡系統，該行動刷卡系統係適用於一交易環境中，可透 過-電仏服務提供者之專屬網路，將來自該行動刷卡系統 之消費交易貢訊傳至-授權管理中心以完成認證或授權等 鲁相關之父易程序，其中該行動刷卡系統可包含一手機、一 SIM卡與-無線刷卡印表機。該漏卡係安置於該手機 内。該手機與該無線刷卡印表機分別具有至少一對應的配 對（pairing)杈組’以供該手機與該無線刷卡印表機進行配 對認證與資料傳遞。該手機更包括一預先儲存之無線刷卡 程式及預設之特約商店相關資訊，當點選啟動該無線刷卡 程式時’首先進入一刷卡前安全機制驗證階段，以確認使 鲁用者與使用之所有裝置係分別為經過授權的使用者與使用 褒置。在完成該刷卡前安全機制驗證階段後，本發明之行 動刷卡系統則進入一消費交易授權認證階段，該消費交易 授權認證階段係將此次消費交易之資訊，透過該電信服務 提供者之該專屬網路’傳至該授權管理中心以完成消費交 易等相關金融之授權。完成消費交易授權認證階段後，本 發明之行動刷卡系統可再進入一選擇性的刷卡後安全機制 驗證階段’係增加本發明之行動刷卡系統之安全性與避免 201112141 操作錯誤可能衍生鉍風險。 * 本發明之另一實施範例更提供一種具有安全機制的行 動刷卡方法，適用於一手機、一 SIM卡與一無線刷卡印表 機，該SIM卡係安置於該手機内，該手機與該無線刺卡印 表機分別具有至少一對應的配對模組，以供該手機與該無 線刷卡印表機進行配對認證與資料傳遞。該手機更包括一 預先儲存之無線刷卡程式及預設之特約商店相關資訊，該 •仃動刷卡方法係透過一電信服務提供者之專屬網路，將一 肩費父易貧訊傳至一授權管理中心以完成認證或授權等相 關之父易私序。當點選啟動該無線刷卡程式時，手機内之 刷卡程式啟動時，具有安全機制的行動刷卡方法包括下列 乂驟·首先執行一刷卡前安全機制驗證步驟，以確認使用 者與使用之所有裝置係分別為經過授權的使用者與使用裝 置，以及執行一消費交易授權認證步驟，係將此次消費交 •易之二貝訊，透過該電信服務提供者之該專屬網路，傳至該 授權管理中心以完成消費交易等相關金融之授權。本發明 之行動刷卡方法可再包括一選擇性的刷卡後安全機制驗證 步驟，係增加本發明之行動刷卡系統之安全性與避免操作 錯誤可能衍生的風險。 本發明之再一實施範例提供一種應用於一具有至少一 配對換組之手機上之一可執行程式產品，且此可執行程式 產°°可儲存於一該手機之一儲存裝置，例如該手機内之記 201112141 憶體，藉由在該手機上之執)于，配合一 SIM卡與一具有相 對應至少一之配對模組之無線刷卡印表機，以完成具有安 全機制的行動刷卡服務。其中，當點選啟動該無線刷卡程 式時，該手機執行該可執行程式時，該程式驅動該手機執 行下列步驟：首先執行一刷卡前安全機制驗證步驟，以確 認使用者與使用之所有裝置係分別為經過授權的使用者與 使用裝置；以及執行一消費交易授權認證步驟，係將此次 φ 消費交易之資訊，透過該電信服務提供者之該專屬網路， 傳至該授權管理中心以完成消費交易等相關金融之授權。 本發明之行動刷卡方法可再包括一選擇性的刷卡後安全機 制驗證步驟，係增加本發明之行動刷卡系統之安全性與避 免操作錯誤可能衍生的風險。 為期能對本發明之目的、功效及構造特徵有更詳盡明 確的瞭解，茲舉可實施例併配合圖示說明如後： φ 【實施方式】 圖一所示為本發明之一種具有安全機制的行動刷卡系 統之示意圖。如圖一所示，本發明之一種具有安全機制的 行動刷卡系統100包括一手機101、一 SIM卡103及一無 線刷卡印表機105。該行動刷卡系統係適用於一交易環境 中，可透過一電信服務提供者之專屬網路110，將來自該 行動刷卡系統之信用卡交易資訊傳至一授權管理中心120 201112141 α完成認證或授權等相關之消費交為稃序。SIM卡i〇3係 安置於手機ιοί内。手機1〇1與無線刷卡印表機105分別 具有至少一對應之配對模組1〇7，例如，配對模組1〇7可 為一藍牙模組’以供手機1〇1與無線刷卡印表機105進行 配對認證與資料傳遞。手機1〇1更包栝一記憶體丨〇9以供 預先儲存一無線刷卡程式1〇9a及預設之特約商店相關資 訊109b。無線刷卡印表機1〇5更可包過一刷卡模組105a φ 以及一印表模組105b’分別提供刷卡及列印之功能《而且， 其中該授權管理中心12〇可為信用卡財金中心、銀行、或 其他提供會員管理之企業。 本發明之具有安全機制的行動刷卡系統之運作說明如 下。當該點選啟動該無線刷卡程式1〇9a時，首先進入一刷 卡前安全機制驗證階段。該安全機制驗證階段可進一步包 含硬體認證與軟體認證’其中該硬體認證係用於確認所有 • 使用之硬體係為經過授權的硬體裝置’例如，可包括該手 機101和該SIM卡103進行配對（pairing)認證，及該手機 101與該無線刷卡印表機105也進行配對認證等；而該軟 體認證係用於確認使用者為經過授權的使用者，例如，可 包括採用密碼(password)保護等。在完成該刷卡前安全機制 驗證階段後’本發明之行動刷卡系統則進入一消費交易授 權認證階段’該消費交易授權認證階段係將此次消費交易 之資訊，透過該電信服務提供者之該專屬網路11〇，傳至 201112141 該投權官理中心120以完成消費交易等相關金融之授權， 例如，可包㈣無線刷切表機⑻料該對應配對模組 107將刷卡模組舰所刷之卡片㈣傳輪至料機ι〇ι， 而該手機1(H再將該卡片資料、預設之特約商店相關資訊 109b與該筆交易資訊組合成最後完整之消費交易資訊，並 傳至該授權管理中心120以完成上述之授權認證，最後， 該授權官理中心120將最終之授權資訊等相關再次透過該 φ 電#服務長1供者之該專屬網路110傳回該手機1〇1，以及 该手機101再將授權後之交易資訊透過其對應配對模組 107傳至該無線刷卡印表機1〇5，以供印表模組i〇5b印列 相關之簽收單與收據。完成消費交易授權認證階段後，本 發明之行動刷卡系統可再進入一選擇性的刷卡後安全機制 驗證階段’係增加本發明之行動刷卡系統之安全性與防止 操作錯誤的風險，例如，可包括限制印列相關之簽收單與 • 收據的次數，避免消費交易資料被挪作其他非指定用途， 或是退出該無線刷卡程式時須輸入密碼，以防止在交易未 完成前誤觸退出行動刷卡服務所可能衍生的消費糾紛。 值得注意的是，該手機101内更可包括一全球衛星定 位模組（GPS/AGPS)(圖一中未示），而且於該刷卡前安全機 制驗證階段中增加對該手機之使用位置或範圍進行確認或 規範。以確認該行動刷卡服務係在一預定之移動範圍内進 行，例如，百貨公司或餐廳内。 11 201112141 圖二所示4本發明之一種具有安全機制的行爲刷卡方 法之流程圖。配合圖一之系統之示意圖，如圖二所示，步 驟210係一刷卡前安全機制驗證步驟，其主要目的係在刷 卡前先確認使用者與使用之所有裝置係為經過授權的使用 者與裝置，以防止相關裝置遺失或落入非經授權的使用人 手中。該刷卡前安全機制驗證步驟可進一步包含硬體認證 步驟310與軟體認證步驟312 ’如圖三所示，其中該硬體 ^ 認證係用於確認所有使用之硬體係為經過授權的硬體裝 置，例如，可包括該手機和該SIM卡進行配對認證’及該 手機與該無線刷卡印表機也進行配對認證等，而該軟體認 證係用於確認使用者為經過授權的使用者，例如，可包括 採用密碼保護等。這項硬體配對認證設計的主要目的是確 認該手機與該SIM卡分別為授權指定之手機與SIM卡。若 非授權指定之SIM卡放入授權指定的手機，則無法通過配 φ 對認證，此時授權指定之手機還是僅能進行一般性通話相 關用法，無法進行行動刷卡之服務，如步驟240所示。另 一方面，授權指定之SIM卡放入非授權指定的手機’也無 法通過配對認證。同樣地，既使手機與SIM卡皆為授權指 定之手機與SIM卡，但是若非授權指定之無線刷卡印表 機，此時授權指定之手機還是僅能進行一般性通話相關用 法，無法進行行動刷卡之服務’如步驟240所示。同理， 授權指定之無線刷卡印表機也無法透過非授權指定之手機 12 201112141 進行無線刷卡之服務^值得注意的是’配對認證必須分刎 在手機101與SIM卡103之間’與手機101與無線刷卡印 表機105之間進行。其主要目的係在於確保手機101、SIM 卡103與無線刷卡印表機皆無誤°因此’當遺失手機或無 線刷卡印表機時’不容易被盜刷。若考1未通過刷卡前安全 機制驗證，則手機101最多僅能進行一般性通話相關用 法，無法進行行動刺卡之服務’如步驟240所示。此時手 φ 機101即為待機狀態。待通過刷卡前安全機制驗證步驟 後，則可進入執行步驟220。 值得注意的是，該雙重配對認證更可以是一種可重組 態的（reconfigurable)設計。換句話說，手機101、SIM卡103 與無線刷卡印表機105可透過正常程序的授權藉由無線刷 卡程式109a的重組態將手機i〇1、SIM卡103與無線刷卡 印表機105重新配對。如此一來，當手機101、siM卡103 鲁與無線刷卡印表機10 5其中任何一種或兩種遺失或損毀 時，皆可以進行部分更換，減少浪費與降低成本。 同樣地’若該手機101内更包括一全球衛星定位模組 (GPS/AGPS)，則於該刷卡前安全機制驗證步驟中可增加對 該手機之使用位置或範圍進行確認或規範。以確認該行動 刷卡服務係在一預定之移動範圍内進行，例如，百貨公司 或餐廳内。 步驟220為一消費交易授權認證步驟，係將此次消費 13 201112141 *' 交易之資訊，透過該電信服務k供者之該專屬網路，傳至 該授權管理中心以完成消費交易等相關金融之授權。如圖 四所示，例如，可包括該無線刷卡印表機透過該對應配對 模組將刷卡模組所刷之卡片資料傳輸至該手機（步驟 410)，而該手機再將該卡片資料、預設之特約商店相關資 訊與該筆交易資訊組合成最後完整之消費交易資訊，並傳 至該授權管理中心以完成上述之授權認證（步驟412)，最 φ 後，該授權管理中心將最終之授權資訊等相關再次透過該 電信服務提供者之該專屬網路傳回該手機（步驟414)，以及 該手機再將授權後之交易資訊透過其對應配對模組傳至該 無線刷卡印表機（步驟416)，以供印表模組印列相關之簽收 單與收據。完成消費交易授權認證步驟後，本發明之行動 刷卡方法可再進入一選擇性的刷卡後安全機制驗證步驟 230。 φ 步驟230為一選擇性的刷卡後安全機制驗證步驟，主 要目的係增加本發明之行動刷卡系統之安全性與避免操作 錯誤可能衍生的風險。如圖五所示，例如，可包括限制印 列相關之簽收單與收據的次數(步驟510)，避免消費交易資 料被挪作其他非指定用途，以增加風險之管控能力；或是 退出該無線刷卡程式時須輸入密碼(password)(步驟512)， 以防止在交易未完成前誤觸退出行動刷卡服務，造成交易 無效或提前中斷，可能衍生的消費糾紛。因此可視為一增 201112141 加貪用性與安全性之防呆（fool-proof)妓計。 - 經由以上本發明之實施例與現有之習知技術比較，本 • 發明之一種具有安全機制之行動刷卡系統與方法具有增加 行動刷卡安全機制、可重組態與防呆設計等實用方便性。 因此，本發明之一種具有安全機制之行動刷卡系統與方 法，確能藉所揭露之技藝，達到所預期之目的與功效，符 合發明專利之新穎性，進步性與產業利用性之要件。 φ 惟，以上所揭露之圖示及說明，僅為本發明之較佳實 施例而已，非為用以限定本發明之實施，大凡熟悉該項技 藝之人士其所依本發明之精神，所作之變化或修飾，皆應 涵盘在以下本案之申請專利範圍内。 【圖式簡單說明】 圖一為本發明之一種具有安全機制之行動刷卡系統之 鲁示意圖。 圖二為本發明之一種具有安全機制之行動刷卡方法之 流程圖。 圖三為圖二之刷卡前安全機制驗證步驟210之一實施範例之 示意圖。 圖四為圖二之消費父易授權認證步驟220之·—實施範例之不 意圖。 15 201112141 圖五為圖二之刷卡後安全機制驗證步驟230之一實施範例之 一 不意圖。 【主要元件符號說明】 行動刷卡系統 100 手機 101 SIM 卡 103 鲁無線刷卡印表機 105 刷卡模組 105a 印表模組 105b 配對模組 107 記憶體 109 無線刷卡程式 109a 特約商店相關貧訊 109b • 電信服務提供者之專屬網路110 授權管理中心 120 刷卡前安全機制驗證 210 消費交易授權認證 220 刷卡後安全機制驗證 230 一般性通話功能 240 硬體認證 310 軟體認證 312 16 410 201112141 無線刷卡印表機將卡片資料傳輸至手機 手機將①整之、;肖費交易f訊傳至授權管理中心 授權管理中心將授權結果傳回該手機 手機將授權後之μ資轉至域 限制印列簽收單次數 衣杨 輸入密碼以退出無線刷卡程式 412 414 416 510 512201112141 VI. Description of the invention: - [Technical field to which the invention pertains] The present invention relates to a mobile card swipe system and method, in particular to a mobile card swipe system and method having a security mechanism, which can take into account the convenience of action swiping and at the same time improve Security of Action Cards [Prior Art] With the advancement of the economy and changes in consumption patterns, the circulation and use of plastics (four) is already part of everyday life. In addition to credit cards, VISA financial cards, and chip financial cards, the membership card or gift card of the (four) state is also distributed in the market. These cards (four) line not only increase the customer's; Xiao #'s loyalty' also increases the convenience of consumption and transactions, so all kinds of companies are actively issued. On the other hand, with the delivery of mobile, mobile stores (for example, taxis, mobile hairdressers, mobile coffee carts) or other types of services that are charged to the government, the market demand for mobile cards is increasing. The action card service offers many advantages, regardless of time or location, to provide a convenient and secure service (for example, the plastic currency has not left the customer) to accept payment in plastic money. In response to the growing market, there is a lot of research and technology, and research and technology have emerged. The market is also expected to have a high hope for the derivation of various mobile card services. Near 201112141 'Due to the advancement of telecom-related and information security% decryption technology, many encryption and decryption technologies are widely used in Internet-based financial services, and hope to maintain consumer transactions or finance by greatly improving the difficulty of decryption. Privacy and security of related information. For example, 'Asia-Pacific Invitro Telecom Co., Ltd. provides an MTT wireless card-swipe mobile phone'. The purpose of this wireless card-sweeping machine is to make transactions on the services that cannot be extended by the cable, and to keep the security of the physical card (not like the network #路The card information is easy to be used, which improves the security of the transaction and reduces the risk of payment for the goods in the cash on delivery transaction. To use this action card reader, you need to apply, and you must apply for a registered business line number. After you apply, you will become a special store. The bank will give each special store a specific Merchant ID, and each MTT wireless card. The phone will have a Terminal ID, and a Merchant ID can correspond to multiple Terminal IDs (available in chain stores or multi-stores). • In addition, Taiwan Patent Open Publication No. 200734952 proposes a payment and information flow, gold flow, and logistics integration module for wireless card swipe mobile phones designed for MTT wireless card swipe mobile phones, allowing customers to trade anywhere, after the transaction. The transaction data can be instantly verified, the amount confirmed, and the sales confirmation and other information flow, gold flow, logistics integration actions, and the customer file filing and transaction records are completed simultaneously, providing follow-up marketing and customer relationship maintenance. In terms of technical means, the process is in order: the representative of the store meets with the customer, the customer pays through the wireless credit card mobile phone and returns the stolen goods information to the store by the mobile network 201112141 road, the customer holds the receipt and connects to the store to pick up the goods, and The computer performs database update and customer profile documentation. However, the security mechanism of the patent application relies solely on the connection between the GPRS and the securities company of the wireless card-swipe mobile phone. In other words, the security mechanism of the patent application is completely paid. The wireless connection with the securities company comes. The correctness of the certified special store. Taiwan Patent Publication No. 1229279 discloses a method and system for authorizing a secure processing service between a customer and a merchant, and achieving security of authorization by comparing a check code and a response code between a host computer and an electronic device at a remote end. . Similarly, the patent is fully focused on authentication between a host computer (eg, a securities company) and a remote electronic device (eg, a swipe phone). In other words, before the connection is made, the appropriate security mechanism cannot be provided to eliminate the chance that the credit card will be improperly recorded. Since the secure action card service can improve the convenience of transactions, promote economic activity, and then generate more types of mobile services and transactions, creating more employment opportunities, therefore, how to provide a mobile card system and method with security mechanism It is a matter of urgency to take into account the convenience of action swiping and at the same time improve the security of action swiping. SUMMARY OF THE INVENTION Based on the above-mentioned shortcomings of the prior art, the main object of the present invention is to provide a mobile carding system and method with a security mechanism to provide a security mechanism before the connection management center to solve the conventional actions. Swipe the card 201112141 caused by the limit of the coffee can not only take into account the convenience of the action card, and at the same time improve the security of the action card. The card swiping referred to in the following description refers to the reading of card data in a magnetic stripe, wafer or other manner. In order to achieve the above object, the present invention provides a mobile card swipe system with a security mechanism, which is suitable for use in a transaction environment, and can be consumed by the action card system through a dedicated network of the e-service provider. The transaction is sent to the authorized management center to complete the authentication or authorization, and the related credit card system can include a mobile phone, a SIM card and a wireless card printer. The leaky card is placed in the mobile phone. The mobile phone and the wireless card printer respectively have at least one corresponding pairing set ′ for the mobile phone and the wireless card printer to perform authentication and data transfer. The mobile phone further includes a pre-stored wireless card program and preset special store related information. When the wireless card program is activated, the user first enters a pre-card security verification phase to confirm that the user and the user are all used. The devices are authorized users and users. After completing the pre-card security mechanism verification phase, the mobile card swipe system of the present invention enters a consumer transaction authorization authentication phase, and the consumer transaction authorization authentication phase transmits the information of the consumer transaction through the exclusive service provider's exclusive information. The network is passed to the Authorized Management Center to complete the relevant financial authorizations such as consumer transactions. Upon completion of the consumer transaction authorization authentication phase, the mobile card swipe system of the present invention can be re-entered into an optional post-card swipe security mechanism verification phase' to increase the security of the inventive swipe card system and avoid the risk of 201112141 operational errors. The other embodiment of the present invention further provides a mobile card swiping method with a security mechanism, which is applicable to a mobile phone, a SIM card and a wireless swipe printer. The SIM card is disposed in the mobile phone, and the mobile phone and the wireless device Each of the punch card printers has at least one corresponding pairing module for pairing authentication and data transfer between the mobile phone and the wireless card printer. The mobile phone further includes a pre-stored wireless card program and a preset special store related information. The method of smashing the card is transmitted to a license through a dedicated network of a telecommunications service provider. The management center completes the related parental order of the certification or authorization. When the wireless card swiping program is launched, when the card swiping program in the mobile phone is started, the mobile card swiping method with security mechanism includes the following steps: First, a pre-swipe security mechanism verification step is performed to confirm the user and all device systems used. For the authorized users and devices, and the implementation of a consumer transaction authorization certification step, the consumer exchange is sent to the authorized management through the exclusive network of the telecommunication service provider. The Center is authorized to complete related financial transactions such as consumer transactions. The action card swipe method of the present invention may further include an optional post-card swipe security mechanism verification step that increases the security of the action card swipe system of the present invention and avoids the risk of operational errors. A further embodiment of the present invention provides an executable program product for use on a mobile phone having at least one paired switch, and the executable program can be stored in a storage device of the mobile phone, such as the mobile phone. In the case of the mobile phone, a mobile card printer with a security mechanism is completed by a SIM card and a wireless card printer having at least one matching module. Wherein, when the mobile phone executes the executable program, the program drives the mobile phone to perform the following steps: first performing a pre-swipe security mechanism verification step to confirm the user and all device systems used. The authorized user and the device are respectively used; and the step of performing a consumer transaction authorization certification is to transmit the information of the φ consumer transaction to the authorized management center through the exclusive network of the telecommunication service provider. Authorization of related financial services such as consumer transactions. The mobile card swipe method of the present invention can further include an optional post-card swipe security mechanism verification step that increases the security of the action card swipe system of the present invention and avoids the risk of operational errors. A more detailed and clear understanding of the objects, functions and structural features of the present invention can be made, and the embodiments can be illustrated as follows: φ [Embodiment] FIG. 1 shows an action with a safety mechanism of the present invention. Schematic diagram of the card swipe system. As shown in FIG. 1, a mobile card swipe system 100 with a security mechanism of the present invention includes a mobile phone 101, a SIM card 103, and a wireless card printer 105. The mobile card swiping system is applicable to a transaction environment, and the credit card transaction information from the mobile card swiping system can be transmitted to an authorized management center 120 through a dedicated network 110 of the telecommunications service provider. The consumption is in the order of consumption. The SIM card i〇3 is placed in the mobile phone ιοί. The mobile phone 101 and the wireless card printer 105 respectively have at least one corresponding pairing module 1〇7, for example, the pairing module 1〇7 can be a bluetooth module for the mobile phone 1〇1 and the wireless card printing table. The machine 105 performs pairing authentication and data transfer. The mobile phone 1〇1 further includes a memory port 9 for pre-storing a wireless card program 1〇9a and a preset special store related information 109b. The wireless card printer 1〇5 can also include a card module 105a φ and a printer module 105b' respectively for providing the functions of swiping and printing. Moreover, the authorized management center 12 can be a credit card financial center. , banks, or other businesses that provide member management. The operation of the mobile card swipe system with security mechanism of the present invention is described below. When the wireless card program 1〇9a is activated, the user first enters a pre-card security verification phase. The security mechanism verification phase may further include hardware authentication and software authentication 'where the hardware authentication is used to confirm all • the hard system used is an authorized hardware device', for example, the mobile phone 101 and the SIM card 103 may be included Performing pairing authentication, and the mobile phone 101 and the wireless card printer 105 also perform pairing authentication and the like; and the software authentication is used to confirm that the user is an authorized user, for example, may include a password (password) ) Protection, etc. After completing the pre-carding security mechanism verification phase, the action carding system of the present invention enters a consumer transaction authorization authentication phase. The consumer transaction authorization authentication phase is to use the information of the consumer transaction through the exclusive service provider. Network 11〇, passed to 201112141 The voting authority center 120 to complete the consumer transaction and other related financial authorization, for example, can be packaged (4) wireless brush cutting machine (8), the corresponding matching module 107 will swipe the module ship brush The card (4) passes to the feeder ι〇ι, and the mobile phone 1 (H then combines the card information, the preset special store related information 109b and the transaction information into the last complete consumer transaction information, and transmits to the card Authorizing the management center 120 to complete the above-mentioned authorization authentication. Finally, the authorization authority 120 transmits the final authorization information and the like back to the mobile phone 110 through the exclusive network 110 of the φ# service provider 1 provider. And the mobile phone 101 transmits the authorized transaction information to the wireless card printer 1〇5 through its corresponding matching module 107, so that the printing module i〇5b prints the relevant receipt After the receipt of the consumer transaction authorization certification phase, the mobile card swipe system of the present invention can re-enter an optional post-card security verification phase to increase the security of the action card system of the present invention and to prevent operational errors, such as , may include limiting the number of receipts and receipts associated with the receipt, preventing the consumption transaction data from being misappropriated for other non-designated purposes, or entering a password when exiting the wireless credit card program to prevent accidental exit before the transaction is completed. Consumer disputes may be derived from the action card service. It is worth noting that the mobile phone 101 may further include a global satellite positioning module (GPS/AGPS) (not shown in Figure 1), and the security mechanism verification stage before the card is swiped. Adding confirmation or specification of the location or range of use of the mobile phone to confirm that the action credit card service is performed within a predetermined moving range, for example, in a department store or a restaurant. 11 201112141 Figure 2 shows one of the four inventions A flow chart of a behavioral swipe method with a security mechanism. A schematic diagram of the system in conjunction with Figure 1, as shown in Figure 2 Step 210 is a pre-card security mechanism verification step, the main purpose of which is to confirm that the user and all devices used are authorized users and devices before the card is swiped, so as to prevent the related device from being lost or falling into an unauthorized manner. In the hands of the user, the pre-card security verification step may further include a hardware authentication step 310 and a software authentication step 312' as shown in FIG. 3, wherein the hardware authentication is used to confirm that all used hard systems are authorized. The hardware device may include, for example, the mobile phone and the SIM card for pairing authentication, and the mobile phone and the wireless card printer are also paired and authenticated, and the software authentication is used to confirm that the user is an authorized user. For example, it may include password protection, etc. The main purpose of this hardware pairing authentication design is to confirm that the mobile phone and the SIM card are respectively authorized mobile phones and SIM cards. If the authorized SIM card is placed in the authorized mobile phone, the authentication cannot be performed by the φ pair. At this time, the specified mobile phone can only be used for general call related purposes, and the service of the mobile card cannot be performed, as shown in step 240. On the other hand, it is not possible to pass the pairing authentication if the authorized SIM card is placed in an unauthorized mobile phone. Similarly, even if both the mobile phone and the SIM card are authorized mobile phones and SIM cards, if the wireless card printer is not authorized to be designated, the authorized mobile phone can only be used for general call related purposes, and cannot be swiped. The service is as shown in step 240. Similarly, the authorized wireless card printer can not perform wireless card service through the unlicensed mobile phone 12 201112141. It is worth noting that 'pairing authentication must be between mobile phone 101 and SIM card 103' and mobile phone 101 Performed with the wireless card printer 105. The main purpose is to ensure that the mobile phone 101, the SIM card 103 and the wireless card printer are correct. Therefore, it is not easy to be stolen when the mobile phone or the wireless card printer is lost. If the test 1 is not verified by the security mechanism before the card is swiped, the mobile phone 101 can only perform the general call related method at most, and the service of the action card cannot be performed as shown in step 240. At this time, the hand φ machine 101 is in the standby state. After the pre-swipe security mechanism verification step, the process proceeds to step 220. It is worth noting that the dual pairing authentication can be a reconfigurable design. In other words, the mobile phone 101, the SIM card 103 and the wireless card printer 105 can re-set the mobile phone i1, the SIM card 103 and the wireless card printer 105 by the reconfiguration of the wireless card program 109a through the authorization of the normal program. pair. In this way, when any one or both of the mobile phone 101, the siM card 103, and the wireless card printer 105 are lost or damaged, partial replacement can be performed, which reduces waste and reduces cost. Similarly, if the mobile phone 101 further includes a global positioning module (GPS/AGPS), the location or range of use of the mobile phone may be confirmed or standardized in the pre-carding security mechanism verification step. To confirm the action, the card swipe service is carried out within a predetermined range of movement, for example, in a department store or restaurant. Step 220 is a consumer transaction authorization authentication step, and the information of the consumption 13 201112141 *' transaction is transmitted to the authorized management center through the exclusive network of the telecommunication service k supplier to complete related transactions such as consumer transactions. Authorization. As shown in FIG. 4, for example, the wireless card printer may transmit the card data brushed by the card module to the mobile phone through the corresponding pairing module (step 410), and the card data and the card are further The relevant store-related information and the transaction information are combined into the last complete consumer transaction information, and transmitted to the authorization management center to complete the above-mentioned authorization certification (step 412). After the most φ, the authorization management center will finally authorize The information and the like are again transmitted back to the mobile phone through the exclusive network of the telecommunication service provider (step 414), and the mobile phone transmits the authorized transaction information to the wireless card printer through its corresponding pairing module (step 416), for the printing module to print the relevant receipts and receipts. Upon completion of the consumer transaction authorization authentication step, the actuating method of the present invention can be re-entered into an optional post-card security verification step 230. φ Step 230 is an optional post-carding security mechanism verification step, the primary purpose of which is to increase the security of the action card system of the present invention and to avoid the risk of operational errors. As shown in FIG. 5, for example, the number of times the receipt and receipt associated with the receipt may be limited (step 510), the consumption transaction data may be prevented from being misappropriated for other non-designated purposes to increase the risk management capability; or the wireless connection may be withdrawn. The password must be entered (step 512) to prevent accidental access to the action card service before the transaction is completed, resulting in invalid or premature interruption of the transaction, possibly resulting in consumer disputes. Therefore, it can be regarded as a increase in 201112141 plus the fool-proof trick of greed and safety. - Through the above embodiments of the present invention, compared with the prior art, the mobile carding system and method with the security mechanism of the present invention has practical conveniences such as increased motion card security mechanism, reconfigurable and foolproof design. Therefore, the action carding system and method with the security mechanism of the present invention can achieve the intended purpose and effect by the disclosed technology, and meet the requirements of novelty, advancement and industrial utilization of the invention patent. The illustrations and descriptions of the above are merely preferred embodiments of the present invention, and are not intended to limit the practice of the present invention, and those skilled in the art are in accordance with the spirit of the present invention. Changes or modifications shall be included in the scope of the patent application in this case below. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram of a mobile card swipe system with a security mechanism according to the present invention. FIG. 2 is a flow chart of a method for swiping a mobile phone with a security mechanism according to the present invention. FIG. 3 is a schematic diagram of an implementation example of the security mechanism verification step 210 of FIG. Figure 4 is a schematic diagram of the implementation of the consumer parent-authorization authentication step 220 of Figure 2. 15 201112141 FIG. 5 is a schematic diagram of one embodiment of the security mechanism verification step 230 of FIG. [Main component symbol description] Mobile credit card system 100 Mobile phone 101 SIM card 103 Lu wireless card printer 105 Card swipe module 105a Print module 105b Pairing module 107 Memory 109 Wireless card program 109a Special store related news 109b • Telecommunications Service provider's exclusive network 110 Authorized management center 120 Pre-card security verification 210 Consumer transaction authorization certification 220 Post-card security verification 230 General call function 240 Hardware certification 310 Software certification 312 16 410 201112141 Wireless credit card printer will The card data will be transferred to the mobile phone and the mobile phone will be 1; the Xiaofei transaction will be sent to the authorized management center to authorize the management center to transfer the authorization result back to the mobile phone. The authorized micro-transfer will be transferred to the domain limit to print the receipt number. Enter your password to quit the wireless card program 412 414 416 510 512
1717