201222419 六、發明說明： 【發明所屬之技術領域】 本發明係有關於一種儲值裝置及儲值卡，特別是有關於一種 非接觸式儲值裝置及非接觸式儲值卡。 ' 【先前技術】 一般來說，信用卡廣泛應用於金融交易或商品交易領域，目 前主要採用接觸式信用卡。另外，傳統智慧卡為大卡，尺寸為 84mmX54mm，一般應用於金融交易系統如金融卡，信用卡，提款 卡；或是身分認證系統如健康保險卡。當刷卡時，刷卡機堉二 條上之資訊，以驗證身份，利於信用交易之進行。惟 式常造成制卡磨損以及污染造成衛生問題。而#輸人密碼^遭 他人側錄。 【發明内容】 本發明可提供一種適用於非接觸式金融卡、非接觸式作用 卡、非接觸式儲存卡或上述之複合卡。上述非接觸卡包含體 Ϊ路H而對於固定式終端機的顧而言，具備交互認證的功 二提款機（ΑΤΜ)，使用者可在自動提款機（顧） 刼作，或感應式刷卡機或讀卡機操作，以提供消費 卡之—種信用卡，其包含—基底，其特徵在於此信用 卞之基底匕3 — 1C耦合到一訊號發射接收裝置，以利於 電磁感應紋電磁共振進行非接觸式信用交易广 ，中違1C儲存該信卡_資誠利於交易認證。如卡號、有效日 者相關資訊。其中上述訊號發射接收裝置得為一天線 庫天線’々°PIFA、指又天線、複數迴圈天線， ο天線或感應線圈配置於該基底内部或外表面。 種金融卡，其包含—基底，該基底包含-ic 應線圈，以利於以電磁感應或是電磁共振進行 認證。包含使用者相關資訊、密碼、帳戶資訊關 201222419 等。 同理，本發明提出一種訂戶辨識模組卡包含一基底，其特徵 在於基底包含一 ic耦合到一訊號發射接收裝置，以利於透過訊號 發射接收裝置以電磁感應或是電磁共振進行非接觸式信用交易， 其中該1C儲存認證相關資訊以利於交易認證，該訂戶辨識模組卡 包含輸出輸入介面以利於與手機連接器連接。其中該訊號發射接 收裝置包含一天線或感應線圈。其中該天線或感應線圈配置於該 基底内部或外表面或手機内部或外部。該訂戶辨識模組卡包含用 戶身分辨識碼。 一種手持通訊裝置，其特徵在於包含一IC耦合到一非接觸式 交易訊號發射接收裝置，以利於透過該訊號發射接收裝置以電磁 感應或是電磁共振進行非接觸式交易，其中該1C儲存認證相關資 訊以利於交易認證，辨識碼儲存於該手持裝置中或一訂戶辨識模 組中，其包含輸出輸入介面以利於與手機連接器連接。其中手持 通訊裝置包括一行動電話或一個人數位助理。 基於上述之需求，本發明提出一種非接觸式信用卡讀卡機， 其特徵包含一非接觸式讀寫器，耦合到非接觸式訊號發射接收裝 置，以利於透過該訊號發射接收裝置以電磁感應或是電磁共振進 行非接觸式信用交易，其中非接觸式信用卡讀卡機於使用時耦合 到遠端伺服器以利於交易認證。其中該非接觸式交易訊號發射接 收裝置包含一天線或感應線圈。 一種非接觸式金融提款機，其特徵相較於習知技術，其包含 一非接觸式讀寫器，耦合到非接觸式訊號發射接收裝置，以利於 透過該非接觸式訊號發射接收裝置以電磁感應或是電磁共振進行 非接觸式金融交易’其中非接觸式金融提款機於使用時搞合到遠 端伺服器以利於交易認證。其中該非接觸式交易訊號發射接收裝 置包含一天線或感應線圈。 一種非接觸式儲值裝置及非接觸式儲值卡，其特徵在於非接 觸式儲值卡包含一基底，基底包含一 1C耦合到一訊號發射接收裝 201222419 置’以利於透過該訊號發射接收裝置以電磁感應或是電磁共振進 行非接觸式儲值’其中該ic儲存該儲值卡相關資訊，其中該^號 發射接收裝置包含一天線或感應線圈；以及非接觸式儲值裝置& 含非接觸式讀卡器，耦合到非接觸式訊號發射接收裝置，以利g 透過該非接觸式訊號發射接收裝置以電磁感應或是電磁妓二 非接觸式儲值。 /、 【實施方式】 以下說明提供清楚明確的描述，以提供對於本發明實施例之 通盤了解。請參考圖式與下列之說明，其目的只是為了說明本發 明之最佳實施例，而並非用以限制本發明之權利範圍。本發明^ 用用交易、金融交易等認證應用，如固定式終端機，包含自 動提款機（Automated Teller Machine : ATM)、刷卡機、讀卡機哎 端點銷售系統（PointofSales : POS)讀卡機。以下針對上述應用 領域分別加以說明。 μ —參考圖一，其顯示根據本發明之1C卡10之示意圖。在一較 ，實施例中，上述具有IC12之基底材料可為類似使用於信用卡或 交易卡中之塑膠材料。舉例而言，基底之材料較佳厚度範圍係為 〇.〇8mm至0.12mm之間。在又一較佳實施例中，上述汇卡之尺 寸、材料以及形狀適用於目前之金融卡、信用卡或標準用戶識別 模組卡。其特徵不採用磁條之直接接觸刷卡機制所造成之不便。 但本發明並未排除得以包含磁條而具備兩種操作模式。 如圖所示，係為根據本發明之IC卡之一表面示意。上述汇 卡10包含1C 12耦合至一天線14(或是電磁感應線圈），並且天線 14之位置可位於卡片中或表面任何位置，包含但不限定於π卡 =-面。以信用卡而言，使用者之資訊、認證碼、卡號或密碼 等資訊，服務提供者可以預先儲存於IC中。IC卡可包含單一 ic、整合ic或是複數IC附著或嵌入於上述IC卡中。上述IC 卡可為一軟質印刷電路板（俗稱軟板）或是硬質印刷電路板，可 為透明或孩背質m上述IC亦可包含記紐，例如 201222419 可電除且可程式唯讀記憶體（Electrically Erasable Programmable Kead-Only Memory : EEPROM)或快閃記憶體（Flash)，以利於儲 存資料，以用於用戶識別應用等。 >舉一實施例中，其中該1C 12耦合得儲存該信卡相關資訊以利 於交易認證之記憶體122。資料包含但不限於，如卡號12A、有效 日期12B、及使用者相關資訊12C或密碼、識別碼等。該ic 12 與該記憶體122得為一整合1C。其中上述訊號發射接收裝置得為 天線或感應線圈。如平面天線，如PIFA、碎形天線、指叉天線、 複數迴圈天線。而信用卡則無須位於卡片表面之磁條或是金屬接 觸界面，例如一般金融卡上之複數金屬接觸點。 •以金融卡而言，根據本發明之1C卡10可選擇省略訊號輸入/ $出接觸界面16，亦可以包含上述輸入/輸出接觸界面16，以得以 貫施接觸與非接觸交易認證功能《此外，利於使用者變更密碼。 而仏用卡則可無須此界面16。再者，ic卡之接觸介面上與習知之 標準智慧卡的腳位相當，係為習知之標準智慧卡所提供之接觸介 面。因此讀卡機可以透過輸入/輸出介面溝通。可廣泛應用至固定 式終知機，包含自動提款機或端點銷售系統讀卡機。在本實施例 中’ 1C卡可為-智慧卡包含但不限定於信用卡、金融提款卡、悠 遊卡、借貸卡、儲值卡。此外，基於此實施例應用之所需，本發 明之實施例之特徵更包含訊號、發射接收裝置，一般其可為一平 面天線。本發明之所述實施例，其尺寸大致上相當於金融卡或IC 卡。.其可耦合至天線14，作為近距離電子無線交易或辨識功能。 上述天線14係可為一薄式、或平面式感應線圈或是所謂之平面天 線，包含但不限定於圖中所示之迴圈式天線。在一實施例中，天 線之配置並不限定於上述方式，可依不同需要而改豆 式，透過天線發射以及接收訊號。 相較於習知技術，本發明之優點在於係應用在非接觸式之金 融或交易服務。本發明具有下述之優點:提供非接觸式信用卡、金 融卡應用等，可輸入或無輸入密碼，可避免遭他人側錄密碼。基 201222419 以接徂妒1 11避免刷卡過程損及卡片本體。基於非接觸式得 二二，交易方式。此外，從卡片之外觀無任何個人資訊 疋：，$可無任何卡號或帳號顯示於肉眼可辨識之外表 另笟交二叮於觀上無法竊取或讀取任何相關資訊，提升安全性。 鱼蜋-二二：用羑位方式儲存於記憶體122中，可利於讀取後 制。而卡片表面可以依據個人風格加以客製化 辨識比對，提升交易安^讀體122中亦可加人數位相片以利於 触ΐί=上，★本發明亦可⑽其湘於手機之訂戶辨識 即配置至少具有一天線ΜΑ埋於該ic卡 啼置表面或配置於手機内部或外部以利於收發訊 ί Li 虎輸入輪出接觸介面以利與手機接觸。此天 县手機本身語音軌之天線’是額外册近場非接觸式交 此得以透過手機作為交“具。基於此可事先提供 識別碼；以辨模組具有特定或個人認證 觸式交易r其Ζΐίϊίΐ斤以，可以利用此配置進行非接 Λ 乂透過電^或金融服務公司收取費用，或是利用 目‘车式扣政。上述之接觸界面16A包含八個以上腳位， 位^㈣^只使關其巾部分，故可以採用其中尚未使用之腳 ί ’進而與ic i2a聯繫，作為資訊傳輸路徑。基於半 得以提供足夠之記憶容量，於卡片之記憶體ί ^ H t 細肖f扣款，且其相_瞻透過植於手機 門/冬U (或5己憶體)中之交易軟體顯示餘額或交易金額與時 (儲)值時，得以透過非接觸式讀卡機或端點銷售系 優奎3 手機200下載或網際網路加(儲)值或下載 tit卷右手機具有醫1模組2ig，參第四圖）。如當 ^透過額不足時，得以自動加(儲)值所預定或設定之額度， 再透過l用卡發卡銀行請款或輸入現金。 於操作時’基於®TF之非接觸式讀切5G或端關售系統得 201222419 π由由讀冑器提供電源’產生磁場(線圈式〕以電磁感應方式在 卡(或其他IC卡、訂戶辨識模組卡)之線圈產生電流驅動卡片 ί拖L操取記憶體内資訊’透過IC處理回覆訊號到非接觸式讀 。同理，基於電磁感應’非接觸式讀卡器50之線圈52產生 寫器54…控制單元6G，柄合上述讀寫器54將處 人f送或接收訊息。此外亦可採用天線取代制，透過天線 號亦伴隨產生磁場。透過共振於卡壯產生電流，後續處 2、土戶^述。手機或其内之非接觸式讀卡機或端點銷售系統則連 ，到，伺服ϋ。透綱路介面％，與控鮮元的柄合，得以盥 庫交換資訊以利於交易。且—列印(或輸出麻％ “ 50以利於將接收資訊以及與信用卡聯合中心認證後資 石ί=ί^ί訊或可顯示於顯示11上。以上可包含提供認證識別 m丨相對人，透過手機與遠端舰誠資料庫錄資訊 輸人識別碼與提供信用卡資訊以手機交易，·接收資訊 ,°卡聯合中心認證後輸出信用交易資訊或顯示於顯示器 上0 本發明相關之非接觸式提款機100之功能方塊示意 金輸出或/及輪入單元102用以輸出現金或輸入現金201222419 VI. Description of the Invention: [Technical Field] The present invention relates to a stored value device and a stored value card, and more particularly to a non-contact stored value device and a non-contact stored value card. [Prior Art] In general, credit cards are widely used in financial transactions or commodity trading, and currently mainly use contact credit cards. In addition, the traditional smart card is a large card with a size of 84mm X 54mm, which is generally applied to financial transaction systems such as financial cards, credit cards, ATM cards, or identity authentication systems such as health insurance cards. When swiping the card, the card swipe machine has two pieces of information to verify the identity, which is conducive to the credit transaction. However, it often causes wear and tear on the card and pollution. The #入人密码^ was recorded by others. SUMMARY OF THE INVENTION The present invention can provide a non-contact type financial card, a contactless action card, a contactless type memory card or the above composite card. The above-mentioned non-contact card includes the body road H, and for the fixed terminal machine, the second-party cash machine (ΑΤΜ) with interactive authentication can be operated by the user at the automatic cash machine (Gu) or inductive A credit card or card reader operating to provide a credit card for a consumer card, comprising a substrate, characterized in that the base 匕3 - 1C of the credit card is coupled to a signal transmitting and receiving device for facilitating electromagnetic induction spectroscopy The contactless credit transaction is wide, and the 1C is stored in the middle of the transaction. Such as card number, valid day related information. The signal transmitting and receiving device may be an antenna antenna antenna, a pixel antenna, a plurality of loop antennas, and an antenna or an induction coil disposed on the inner or outer surface of the substrate. A financial card comprising a substrate comprising an -ic coil for authentication by electromagnetic induction or electromagnetic resonance. Contains user-related information, passwords, account information, etc. 201222419, etc. Similarly, the present invention provides a subscriber identity module card comprising a base, wherein the base comprises an ic coupled to a signal transmitting and receiving device for facilitating contactless transmission of electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device. The transaction, wherein the 1C stores authentication related information to facilitate transaction authentication, and the subscriber identification module card includes an output input interface to facilitate connection with the mobile phone connector. The signal transmitting and receiving device comprises an antenna or an induction coil. Wherein the antenna or induction coil is disposed on the interior or exterior surface of the substrate or inside or outside the cell phone. The subscriber identity module card contains a subscriber identity code. A handheld communication device, comprising: an IC coupled to a non-contact transaction signal transmitting and receiving device for facilitating contactless transaction by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device, wherein the 1C storage authentication is related The information is used to facilitate transaction authentication. The identification code is stored in the handheld device or in a subscriber identification module, and includes an output input interface to facilitate connection with the mobile phone connector. The handheld communication device includes a mobile phone or a number of assistants. Based on the above needs, the present invention provides a contactless credit card reader, characterized in that it comprises a contactless reader/writer coupled to a non-contact signal transmitting and receiving device for facilitating electromagnetic induction through the signal transmitting and receiving device. It is a non-contact credit transaction by electromagnetic resonance, in which a contactless credit card reader is coupled to a remote server during use to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil. A non-contact financial cash dispenser, characterized by the prior art, comprising a non-contact reader/writer coupled to a non-contact signal transmitting and receiving device for facilitating electromagnetic transmission through the non-contact signal transmitting and receiving device Inductive or electromagnetic resonance for non-contact financial transactions' where non-contact financial cash machines are used in conjunction with remote servers to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil. A contactless stored value device and a non-contact stored value card, characterized in that the non-contact stored value card comprises a base, and the base comprises a 1C coupled to a signal transmitting and receiving device 201222419 for facilitating transmission of the receiving device through the signal Non-contact stored value by electromagnetic induction or electromagnetic resonance, wherein the ic stores the stored value card related information, wherein the ^ transmitting and receiving device comprises an antenna or an induction coil; and the non-contact stored value device & The contact card reader is coupled to the non-contact signal transmitting and receiving device to facilitate electromagnetic induction or electromagnetic non-contact storage through the non-contact signal transmitting and receiving device. The following description provides a clear and unambiguous description to provide a comprehensive understanding of the embodiments of the present invention. The following description of the drawings is intended to be illustrative of the preferred embodiments of the invention. The invention uses authentication applications such as transaction and financial transaction, such as a fixed terminal machine, including an Automated Teller Machine (ATM), a credit card machine, a card reader, and a Point of Sales (POS) card reading system. machine. The following applies to the above application areas. μ - Referring to Figure 1, there is shown a schematic diagram of a 1C card 10 in accordance with the present invention. In a more preferred embodiment, the substrate material having the IC 12 described above may be a plastic material similar to that used in credit cards or transaction cards. For example, the material of the substrate preferably has a thickness ranging from 〇8 mm to 0.12 mm. In yet another preferred embodiment, the size, material and shape of the card are suitable for use with current financial cards, credit cards or standard subscriber identity module cards. Its characteristics do not use the direct contact card mechanism of the magnetic strip to cause inconvenience. However, the present invention does not exclude the inclusion of a magnetic strip and provides two modes of operation. As shown, it is a surface representation of one of the IC cards according to the present invention. The card 10 includes a 1C 12 coupled to an antenna 14 (or an electromagnetic induction coil), and the antenna 14 can be located anywhere in the card or on the surface, including but not limited to a π card =-plane. In the case of a credit card, the user's information, authentication code, card number or password can be stored in the IC in advance. The IC card may include a single ic, an integrated ic, or a plurality of ICs attached or embedded in the above IC card. The above IC card can be a soft printed circuit board (commonly known as a soft board) or a hard printed circuit board, which can be transparent or back. The above IC can also include a note, such as 201222419, which can be electrically separated and can be read only. (Electrically Erasable Programmable Kead-Only Memory: EEPROM) or Flash Memory (Flash) to facilitate storage of data for user identification applications. > In an embodiment, wherein the 1C 12 is coupled to store the information related to the card to facilitate the authentication of the memory 122. The information includes but is not limited to, such as card number 12A, effective date 12B, and user related information 12C or password, identification code, and the like. The ic 12 and the memory 122 are integrated 1C. The above signal transmitting and receiving device is an antenna or an induction coil. Such as planar antennas, such as PIFA, broken antenna, finger antenna, complex loop antenna. The credit card does not need to be located on a magnetic strip on the surface of the card or a metal contact interface, such as a plurality of metal contacts on a general financial card. In the case of a financial card, the 1C card 10 according to the present invention may optionally omit the signal input/output contact interface 16, and may also include the above input/output contact interface 16 to enable contact and contactless transaction authentication functions. For the user to change the password. The use of the card does not require this interface 16. Furthermore, the contact interface of the ic card is equivalent to the pin of the conventional standard smart card, and is a contact interface provided by a conventional standard smart card. Therefore, the card reader can communicate through the input/output interface. It can be widely applied to fixed-end machines, including cash dispensers or end-point sales system readers. In this embodiment, the 1C card may be a smart card including but not limited to a credit card, a financial withdrawal card, a leisure card, a debit card, and a stored value card. Moreover, based on the needs of the application of this embodiment, the features of the embodiments of the present invention further include a signal, a transmitting and receiving device, which may generally be a planar antenna. The described embodiment of the invention is substantially equivalent in size to a financial card or IC card. It can be coupled to the antenna 14 as a near field electronic wireless transaction or identification function. The antenna 14 may be a thin or planar induction coil or a so-called planar antenna including, but not limited to, a loop antenna as shown. In an embodiment, the configuration of the antenna is not limited to the above manner, and the bean type can be changed according to different needs, and the signal is transmitted and received through the antenna. The present invention has the advantage of being applied to contactless financial or transaction services as compared to conventional techniques. The present invention has the advantages of providing a contactless credit card, a financial card application, etc., with or without a password, to prevent others from recording the password. Base 201222419 to avoid 1 1 to avoid damage to the card body. Based on non-contact type, the transaction method. In addition, there is no personal information from the appearance of the card. 疋:, $ can be without any card number or the account number is displayed in the form of the naked eye. The other is not able to steal or read any relevant information to improve security. Fish gills - 22: Stored in memory 122 in a clamped manner, which facilitates reading. The surface of the card can be customized and compared according to the personal style. The transaction security can also be added to the image 122 to facilitate the touch. ί=上, ★ The invention can also (10) the subscriber identification of the mobile phone The configuration has at least one antenna embedded in the surface of the IC card or disposed inside or outside the mobile phone to facilitate the transmission and reception of the touch interface to facilitate contact with the mobile phone. This day's mobile phone's own voice track antenna' is an extra-book near-field non-contact type. This can be used as a service via mobile phone. Based on this, an identification code can be provided in advance; to identify a module with a specific or personal authentication touch transaction. The 接触 ϊ ϊ , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Only the part of the towel can be closed, so it can be used with the ic i2a, which is not used yet, as the information transmission path. Based on the half to provide enough memory capacity, the memory of the card ί ^ H t And through the contactless reader or endpoint, the transaction software displayed in the mobile phone door/Winter U (or 5 Remembrance) displays the balance or transaction amount and time (storage) value. Sales Department Youkui 3 mobile phone 200 download or Internet plus (storage) value or download tit volume right mobile phone has a medical 1 module 2ig, see the fourth picture). If the amount of transmission is insufficient, it can be automatically added (storage) The amount predetermined or set by the value, and then After l, use the card issuing bank to ask for money or enter cash. During operation, the 'TF-based non-contact type cutting 5G or end-sale system is 201222419 π is powered by the reading device' to generate a magnetic field (coil type) to electromagnetic Inductive mode generates a current-driven card in the coil of the card (or other IC card, subscriber identification module card). ίLows the memory information in the memory. 'Receive the signal through the IC to the non-contact reading. Similarly, based on electromagnetic induction' The coil 52 of the contactless card reader 50 generates a writer 54... control unit 6G, and the reader/writer 54 transmits or receives a message to the person f. Alternatively, an antenna can be used instead, and the antenna number is also accompanied by a magnetic field. Through the resonance of the card to generate current, the following 2, the local households said. The mobile phone or its contactless card reader or end point sales system, even, servo ϋ.% of the channel interface, and control The combination of the fresh elements allows the library to exchange information for the transaction. And - print (or output hemp% "50 to facilitate receiving information and credit card joint center certification after the shi = ί ^ ί ^ 讯 can be displayed on Display 11 on. The above can include Certified identification m丨 relative person, through the mobile phone and remote ship database to record information input identification code and provide credit card information to mobile phone transactions, · receive information, ° card joint center certification, output credit transaction information or displayed on the display The functional blocks of the non-contact cash dispenser 100 of the present invention illustrate the gold output or/and the wheeling unit 102 for outputting cash or entering cash.
Si 包含控制單711G4用以控制處理輸人訊號以及 ί 以利於交易認證與資訊查詢。其與提款機100主記憶 J !連接。106魏金儲存g ’透過運輸裝置1G8與現金輸出/ i?n2 f 5。非接觸式金融提款機，其特徵包含一非接觸 :二σ' ，搞&到非接觸式訊號發射接收裝置112以及控制單 雷磁於透過該非細式喊發㈣收裝置以電磁感應或是 Ϊ時觸式金融交易’其中非接觸式金融提款機於使 利於交易認證。其中該非接觸式交易訊 统"機制相木、J3 一天線或感應線圈。其他部分操作機制與傳 過讀卡機制114以利傳統式讀卡。透 塔"面II6糾與舰資料庫交歸誠利於交易。 201222419 可為iiS二本用於身份認證或會員認證’其 之一為圮愔轉由駕二、健保卡或護照，其中與信用卡差異 料、事ϋ年中^儲存之貝料係為身分認證資料(會員編號）、國 t ΐ=:Γ=資訊等等。若到行政機關或銀行或申 儲i於如?’㊣識別身分資訊時，可非接觸輸出或顯示 此亦^以㉝’而無需影印以降低雙面影印的不便利性；如 證。以^路，例如網際網路或手機電信網路做為遠端認 a太恭ΗΗι_^、動機為身分朗而雜為門禁細識別卡。 本發明提出透過手持通訊襄置消費之方法，包含： 置，易卡或儲值卡或信用卡於該手持通訊裝 讀寫器，透過該非接 電磁共振進行非接觸式交易，其中該非接觸 ，儲值卡為-獨立·戶_额卡 財巾、财機⑽耕料敎屏蔽效應。 種非接觸式進行信用交易之方法，包含· 以及非接戦讀卡機，該非式信用卡以 及5亥非接觸式項卡機個別包含一訊號收發裝置； 用卡貼近—非接觸式讀卡機，透過該非接觸式 i i電磁感應或是電磁共振進行非接觸式交易， 置，儲广卡古用卡包含—IC ·合至對應之該訊號收發裝 置其儲存卡唬、有效期限以及使用者資訊。 一種非接觸式進行金融交易之方法，包含· 提供-非_金融切及雜戦提雜 · 該非接觸式提款機各包含訊號收發裝置；啡觸式金融卡及 以該非接齡融卡貼近—非制式提款機 訊號發射接收裝制以電磁感應或是電磁共振i^非 201222419 ί金5包含—ic #合至職之職號收發裝 置八储存銀仃帳唬、密碼以及帳戶資訊。 之氧材料得為㈣或金屬合金，亦得為包含具有金屬 =化物，，其t ’而某些以此方法製成之導電材質為透明或近乎 且假使此天線附著於玻璃或透明絲上，其將具有視覺穿 ，效，。透明材料亦包含具有摻雜氧輪 由於透明導電卿成之雜中制—適t之鮮/構成、祕乃藉 本明導電層之方法包含於低溫下形成_結構的離子束 來薄膜可在室溫下形成並具有小於初⑽歐姆/公分 之接叉度，並且亦可採用射頻磁電管猶薄膜方法（Rpm唇她 spurred thm film method)。基於成本於製造之考量本實施例中 ，成如銦錫氧化物之天線薄膜的方法可在室溫下魅之空氣中形 ^並比率得到所需之圖樣。在此薄膜形成與圖樣化 之ϋ將被以攝氏is。度至η。度間之溫度進行熱處裡大約一 至二小時祕低_之電阻並增進其透光度。另—獅成方 化Ϊ溶液塗佈方法’此塗佈溶液包含平均直徑為1至25微米之ί 電微粒、平均直徑為丨至25微米之二氧化賴粒以及溶劑，二氧 化石夕或石夕土微粒與導體微粒間之重量比例最好為介於〇1至i之 間，而導電微粒最好為選自金、鋅、銀m、釘、銅、 鐵、鎳^、錫、鈦、銦、！g、纽、鎵、錄以及銻之金屬。導電 微粒可藉由於i精/水混合溶射稀釋減低—種或以上前述之金 屬漢度而得，而加熱處裡之溫度乃高於攝氏H⑦土微粒可 增加導電薄膜之導電能力’導電薄膜塗佈液體内包含有重量百分 比佔0.1%至5%之金屬微粒。其巾在稀釋過程可以加人稀釋劑， 如 ferrous sulfate、trisodium citrate、tartaric acid、sodium boron hydride。透明導财藉由將上述之趙施加i基板上而 付，並使其乾躁以得到一透明導電微粒層，以形成一透明薄膜。 再將基板#著於物體上。或是直接塗佈於物體上^用以形成透明 導電層之塗佈液體乃藉由絲、旋轉塗布、喷灑、雜塗布或柔 201222419 ===xographlcprinting)等之方法施加在基板上然後由 :，氏九十度之溫度來使此液體乾躁，接著以不低於攝 百度之尚溫或以電磁輻射照射來烘烤塗布之薄膜。 定明以較佳實施舰明如上，然其並非用以限 往皇主if專利權利範圍。其專利保護範圍當視後附之申 明專懷圍及其等同領域而定。凡熟悉此領域之技藝者 離=利精神或範圍内’所作之更動或·，均屬二本發^ 内 成之等效改變或設計，縣包含在下述之中請專利 【圖式簡單說明】 速了ΐ由ΐΐΐϊ詳細敘述，上述觀點以及本發明之優點將可快 ΐ:二i?的描述以及附加圖式，可以容易了解本發 第一圖係為根據本發明之IC卡之示意圖。 第二圖係為根據本發明之SIM之示意圖。 第二圖係為根據本發明之自動提款設備之示意圖。 第四圖係為根據本發明之手機配置非接觸式交易卡之示音 圖。 【主要元件符號說明】 ί 、IC…天線14、記憶體122、卡號12A、有效日期12B、 ，用者相關資訊I2。、訊號輸入/輸出接觸界面π、冗卡、天 細介面16八、非接觸式讀卡器％、線圈 ϋ寫裔54、肩路;,面56、非接觸式提款機1〇〇、現金輸出％ WG2、控制單、主記憶體·、現見^出= 運輸褒置權、現金輸出/輸入單元1〇2、非接觸式巧The Si includes a control sheet 711G4 to control the processing of input signals and ί to facilitate transaction authentication and information inquiry. It is connected to the main memory J! of the cash dispenser 100. 106 Weijin stores g' through the transport device 1G8 and cash output / i?n2 f 5. The non-contact financial cashing machine is characterized in that it comprises a non-contact: two σ', engages & to the non-contact signal transmitting and receiving device 112, and controls a single lightning magnet to transmit electromagnetic induction through the non-fine shunting (four) receiving device or It is a time-touch financial transaction, in which non-contact financial cash machines are used to facilitate transaction authentication. Among them, the non-contact transaction system " mechanism, wood, J3 antenna or induction coil. Other partial operating mechanisms and pass-through card reading mechanisms 114 facilitate traditional card reading. Through the tower " face II6 correction and ship database exchanges are sincerely beneficial to the transaction. 201222419 can be used for identity authentication or membership certification for iiS. One of them is the transfer of the driver's license, the health insurance card or the passport. The difference between the credit card and the credit card is stored in the middle of the year. (Member number), country t ΐ =: Γ = information and so on. If you go to the administrative agency or bank or the application, you can non-contact output or display this to 33' without photocopying to reduce the inconvenience of double-sided photocopying; Take the road, such as the Internet or mobile telecom network as a remote recognition. A too complimented ι_^, the motivation is the identity and the miscellaneous is the access control fine identification card. The invention provides a method for consuming consumption through a handheld communication device, comprising: placing, using a card or a stored value card or a credit card in the handheld communication device, and performing non-contact transaction through the non-contact electromagnetic resonance, wherein the non-contact, stored value Card is - independent · household _ credit card, money machine (10) 敎 敎 shielding effect. A non-contact method for conducting a credit transaction, comprising: and a non-contact card reader, the non-type credit card and the 5 Hai non-contact card machine each comprising a signal transceiver; using a card close to the non-contact card reader The non-contact type ii electromagnetic induction or electromagnetic resonance performs the non-contact transaction, and the storage card uses the IC card to the corresponding storage device, the storage period, the expiration date and the user information. A non-contact method for conducting financial transactions, including: providing - non-financial cuts and miscellaneous miscellaneous items. The non-contact cash dispensers each include a signal transceiving device; a cellular touch financial card is closely attached to the non-contact financial card - Non-standard cash machine signal transmission and receiving system with electromagnetic induction or electromagnetic resonance i^ non 201222419 金金 5 contains -ic #合职职号号 transceivers eight storage bank account, password and account information. The oxygen material is (4) or a metal alloy, and it is also included to have a metal = compound, and t ' and some of the conductive materials made by this method are transparent or nearly and if the antenna is attached to the glass or the transparent wire, It will have visual wear and effect. The transparent material also includes a doped oxygen wheel which is made of a transparent conductive material, which is made of a transparent conductive layer, and which is formed by a method of the conductive layer, which is formed by a method of forming a conductive layer at a low temperature to form a film in the chamber. It is formed at a temperature and has a degree of junction less than the initial (10) ohm/cm, and a radio frequency magnetotube method (Rpm lip method) can also be used. Based on cost considerations in manufacturing, the method of forming an antenna film such as indium tin oxide can form a desired pattern at room temperature in a fascinating air atmosphere. After this film formation and patterning, it will be in Celsius. Degree to η. The temperature between the degrees is about one to two hours in the heat, and the resistance is increased and the transmittance is increased. Another - lion-forming formula solution coating method 'This coating solution contains an average diameter of 1 to 25 microns of electro-particles, an average diameter of 丨 to 25 microns of oxidized lye and solvent, dioxide or sulphur dioxide Preferably, the weight ratio between the smectite particles and the conductor particles is between 〇1 and i, and the conductive particles are preferably selected from the group consisting of gold, zinc, silver m, nail, copper, iron, nickel, tin, titanium, indium,! g, New Zealand, Gallium, Record and Metal. The conductive particles can be obtained by reducing the metal hardness of the seed or the above-mentioned metal by the dilution of the fine metal/water mixture, and the temperature in the heating portion is higher than that of the H7 particles in the Celsius to increase the conductivity of the conductive film. The liquid contains 0.1% to 5% by weight of metal particles. The towel may be diluted with a diluent such as ferrous sulfate, trisodium citrate, tartaric acid, or sodium boron hydride. The transparent guide is paid by applying the above-mentioned Zhao to the substrate, and dried to obtain a transparent conductive particle layer to form a transparent film. Then place the substrate # on the object. Or directly applied to the object, the coating liquid for forming the transparent conductive layer is applied on the substrate by a method such as silk, spin coating, spraying, miscellaneous coating or soft 201222419 ===xographlcprinting, and then by: At a temperature of ninety degrees, the liquid is dried, and then the coated film is baked at a temperature not lower than that of Baidu or irradiated with electromagnetic radiation. It is stated that the better implementation of the ship is as above, but it is not intended to limit the scope of the patent rights of the emperor. The scope of patent protection shall depend on the appended claims and their equivalent fields. Anyone who is familiar with the field is not allowed to make changes or designs in the spirit or scope of the product. The county is included in the following patents [simplified description] The above description and the advantages of the present invention will be described in detail, and the description of the present invention and the additional drawings can be easily understood. The first figure of the present invention is a schematic diagram of an IC card according to the present invention. The second figure is a schematic diagram of a SIM according to the present invention. The second figure is a schematic view of an automatic withdrawal device in accordance with the present invention. The fourth figure is a sound map of a contactless transaction card configured in accordance with the present invention. [Description of main component symbols] ί, IC... Antenna 14, memory 122, card number 12A, effective date 12B, user related information I2. , signal input / output contact interface π, redundant card, fine interface 16 eight, non-contact card reader%, coil writing 54, shoulder; face 56, non-contact cash machine 1 〇〇, cash Output % WG2, control list, main memory ·, see ^ output = transport device right, cash output / input unit 1 〇 2, non-contact smart