TW300293B - - Google Patents

Description

A7 _B7__ V. Description of the invention (I) The present invention is related to the device used to interact between the IC card and the remote terminal. What's more, the present invention relates to a device that can use the communication system to directly interact between an IC card and a remote terminal. 0 The demand for remote services is increasing every day. Therefore, consumers can order various goods and services at home via television. Such services are called video on demand (VOD), TV shopping or remote entertainment. Consumers require that the ordered products can be delivered quickly or can be used immediately for entertainment services, such as video requests. In order to prevent the misuse of such services, payment must be requested or the identity of the user must be identified before the service is provided. Printed bags of the Employee Consumer Cooperative of the Central Bureau of Economic Affairs of the Ministry of Economic Affairs ---- ».--.---- ^ Package-- (Please read the precautions on the back before filling this page)

T I C cards or smart cards are widely used today for payment • An example is a public telephone (pay phone). The 1C card contains an integrated circuit with a memory of 100 million, and the more advanced card also includes a microprocessor. These cards can be used for payment by deducting the payment from the balance of the card. In advanced cards, payments can be protected through certain agreements, which include the use of cryptography to process certain data and use related information. This view can be referred to EP 0,6 3 7,0 0 4 and US 5,247,578 and other patent cases, which are attached here for reference. The advanced IC card can establish the uniqueness of the card, for example, through the transmission (password processing) of the card identification code. If the bismuth personal identification code (PIN) can be used to protect the card, the card can be used to identify the user, that is, to securely identify the user. The identification of the user is not only useful for rapid service, but also for non-immediate delivery of services or products-4-This paper standard is applicable to China National Standard (CNS) A4 specifications (210X297 mm) A7 B7 Employee consumption of the Central Standards Bureau of the Ministry of Economic Affairs Printed by the cooperative. V. Invention description (2 ·) Necessary when the payment transaction is carried out in a remote manner (remote bank transaction). At present, payment systems such as credit card transaction systems exist, in which payment information is sent to the payment institution by telephone. For this type of transaction, the phone will not be modified into a card reader or keyboard. The disadvantage of this type of device is that it is quite expensive. We cannot expect a large number of consumers to purchase such devices in the foreseeable future. In addition, those who are well-known in practice * can only pass credit card numbers dictately via standard telephones. The disadvantage is that a third party (for example, eavesdropping through the phone) can easily abuse this card number. The type of equipment that can be contacted with the IC card is known. For example, the conventional US Patent No. 5, 189, 2 8 ^? Discloses a system for transmitting data. This system includes portable units. Each unit has a card slot for storing dual-chip memory cards for storing data, and exchanges information with remote systems via telecommunications networks and special optical terminals. Acoustic transceiver. These units include a processing unit such as an unprocessor to process data that may be entered manually by the keyboard. Case W095 / 04328 also revealed a device that can be connected to an IC card. This conventional technique includes removing the computer and related provisioning rules to execute the application program. This device is used to process and store financial data, which includes the process of encrypting the data. Case No. W09 1/0 7 042 reveals a kind of automatic automatic machine. This will include a de-processor, which can be operated without directly connecting to the telephone line, and is therefore a bracelet stand unit. The size of this paper is applicable to the Chinese National Standard (CNS) A4 (210X297mm) (Please read the precautions on the back before filling this page)

T outfit-_ ^ The Ministry of Economic Affairs, Central Bureau of Accreditation and Employee Consumer Cooperative Printed A7 B7 V. Description of invention (:?) EPO, 45 Case No. 1,288 reveals a portable data collection and transmission used with 1C card Device. This device includes an acoustic coupler that can be communicated through a telephone line, as well as a memory that stores data. The stored data can thus be transmitted. Case W094 / 28494 reveals a device that can communicate with an IC card. This device does not have an acoustic device to communicate with the telephone, but it must be separated from the orderer's line. These conventional technologies are basically independent units with microprocessors or similar devices to independently process data from remote terminals or systems. The purpose of the present invention is to eliminate the aforementioned and other shortcomings of the conventional technology * in order to provide a simple and cheap way to exchange protected information, especially for identifying remote users. Another object of the present invention is to provide a device that can be confirmed by a user through a communication system *, which is not an unprotected telecommunication communication system such as a public telephone. Still another object of the present invention is to provide a device that can enable a remote security user to confirm via a telephone connection in order to provide electronic services such as electronic payment transactions. Still another object of the present invention is to provide a simple and inexpensive electronic payment transaction system that can utilize existing or at least non-specifically designed communication devices for user confirmation. Another object of the present invention is to provide a device that is used in conjunction with a telephone set and an IC card, which can exchange security information more efficiently. * 6-This paper standard is applicable to the Chinese National Standard (CNS) A4 specification (210X297 mm ) ---- 1 '-· ---- ^ installed-- (f Read the notes on the back and then fill out this page)

, 1T Ministry of Economics Central Sample Bureau Employee Consumer Cooperative Printed Α7 Β7 5. Invention Description (#) For this purpose, the present invention provides a device for exchanging data between an IC card and a remote terminal via a communication device, this device includes A device connected to an IC card; a device that transmits information to a communication device in an acoustic manner; a device that receives information from a communication device in an academic manner; and a control device that exchanges these devices for exchange between the communication device and the IC card Information, the device of the present invention is based on the fact that it is used to transmit data transparently. The basic idea of the present invention is that it can use the current cards (smart cards) to facilitate the security connection between the IC card and the remote system. In fact, using the card data can greatly save the device data. Through the transparent transmission of data, this device is quite simple, and the data exchange between the Γϋ I c card and the remote terminal is quite complete. Through this transparent transmission device, safe and reliable connection communication can be performed between the IC card and the remote terminal. Another point of view of the preferred embodiment of the present invention is that the acoustic path between the transmission device and the telephone is limited by the speed, so the safe use of the IC card is due to the fact that many commands and other data are carried out between the IC card and the remote system The exchange is quite time-consuming. In order to solve this additional problem, the device of the present invention can preferably communicate with the remote terminal at the first level and the IC card at the second level, where the data rate of each level is different. In this way, transparent data exchange can be performed on the pending transmission path. In the device of the present invention, it is preferable that the first-level instructions include a single second-level instruction. By holding a one-to-one relationship between the two-level commands, the second-level commands can be transmitted from the remote terminal to the device of the present invention as the first-level commands. However, the first-level instructions can advantageously represent one or more second-level instructions. In this way, the Chinese National Standard (CNS) Α4 specification (210X297 mm) is applicable to this device and remote -7-This paper standard (please read the note $ item on the back and fill in this page) A7_B7 printed by the Bureau ’s Consumer Cooperatives V. Description of the invention (f) The number of second-level commands exchanged between terminals can be greatly reduced. In addition, the present invention provides an electronic payment transaction system, which includes a telecommunications communication network, a service provider connected to the network, the provider is responsible for processing electronic transaction orders, and a communication device coupled to the network, An IC card used for security transactions, and a device that can transparently transmit data between the IC card and the communication device. The key point of the present invention is that the user of the secure remote card and / or confirmation service can be activated as long as a network connection is formed between the data card (smart card) and the communication device. The present invention will be further described below with reference to the drawings. Figure 1 is a side and top view of the first embodiment of the device of the present invention. Figure 2 is a perspective view of the second embodiment of the device of the present invention; Figure 3 is a side view of the embodiment of Figure 2; Figure 4 is a schematic diagram of the internal structure of the device of the present invention; Figure 5 is a schematic diagram of another internal structure of the device of the present invention; Figure 6 is the exchange of information between the components of the remote payment system of the present invention Schematic diagram; Figure 7 is a schematic diagram of an embodiment of the payment system of the present invention. The preferred embodiment of the device of the present invention is illustrated in Figure 1. The first device 1 includes a housing 2, a microphone 3, a microphone 4, a display 5, a control button 7 and a keyboard 9. In the housing 2, the groove 8 is recessed to insert the IC card 11. A side view of the device 1 shows the connector 12 for (serial) data exchange with Xiaonao. (Please read the notes on the back before filling this page)

T Pack-Order_ ^, This paper standard is applicable to the Chinese National Standard (CNS) A4 specification (210X297mm) 3G〇293 V. Description of invention (厶) The microphone 3 and the microphone 4 constitute a meta-transceiver to be The electrical signal is converted into a chime signal (for example, DTMF tones) to enable data exchange between the 1C card 11 and the communication device. Although they are separate units in Figure 1, the microphone 3 and the ringer 4 can be combined into a single unit. The device 1 can be activated by the control button 7. However, this device can also be activated based on the presence of the internal switch of the card 11, and the control button 7 can be omitted. The display 5 is preferably composed of an LCD display screen, which serves as an indicator of the device status to facilitate its use. Or * LCD (not shown) or tone and / or sound generator can be used for this purpose. In the latter example, the speaker 4 can be moved to indicate the status. The keyboard 9 is used to input data, such as the personal identification number (PIN) of the user of the IC card 11. The shape of the housing 2 is preferably held in the hand when the device 1 is used. The shape in Figure 1 can meet this requirement, but it can also be round or elliptical. Printed by the Employees ’Consumer Cooperative of the Central Bureau of Prospects of the Ministry of Economic Affairs (please read the precautions on the back before filling out this page) Another embodiment of the device 1 is shown in Figures 2 and 3 * According to this invention, it includes a housing The microphone 3, the speaker 4, the first LED 5, the second LED 6, and the control button 7. In the embodiment shown, the housing 2 is composed of parts 2 a and 2 b * they are joined together by a hinge 10. In the housing 2 (2a), the groove 8 is recessed so as to insert the 1C card 11. In addition, the device 1 includes a keyboard 9 for inputting (especially) numerical data. The shell composed of two parts 2 a and 2 b is preferably a foldable and spreadable design. Wait for the keyboard 9 and the microphone 3 to be protected in the folded state, and the microphone 3 and the loudspeaker 4 in the unfolded state. The paper standard uses the Chinese National Standard (CNS) A4 (210X297mm) A7 B7 Printed by the Employee Consumer Cooperative of the Central Bureau of Standards of the Ministry of Economy 5. The distance between the invention description (7) is about the distance between the speaker 14 of the receiver 13 of the telephone and the microphone 15. The hinge key 10 may be loosened when the casing is spread out, so that the device is automatically activated, and thus the control button 7 may be omitted. The receiver or microphone 13 in Figs. 2 and 3 has a speaker 14 and a microphone 15. The wire 16 connects the receiver 13 to a communication device, such as a telephone (not shown). The use and operation modes of the device 1 are further explained in Figures 4-7. In Fig. 3, the device 1 and receiver 13 of Fig. 2 are shown in a side view. As shown in FIG. 3, when the device 1 is used, the speaker 4 is located near the microphone 15 of the receiver 13. In addition, the microphone of the device 1 is then located near the speaker 14 of the receiver. The microphone 3 is installed in such a manner that it can be protected by the component 2b of the casing 2 in the folded state. This practically "internal" position will not cause problems. The microphone 3 may be installed outside the component 2b. Note that for clarity, the microphone in Figure 3 is circular, however, in fact, a flat-plate microphone can also be used. The device of the present invention can be made as a hand-held device, as shown in Figs. 1, 2, and 3; however, it can also be of the over-mounted type, in which the receiver of the telephone can be mounted on it. In addition, the device of the present invention can be integrally formed and / or flipped over a telephone or other communication device, such as a facsimile device. The internal structure of the device of the present invention (shown in Figures 1, 2, and 3) is shown in Figure 4, which includes a controller unit 20, a coupling circuit 21, a card connector 22, a speaker 23, a microphone 24, Signal unit 25 (optional equipment), keyboard 26 (optional equipment) and power supply 27. For clarity -10-(please read the notes on the back before filling this page)

T 4 l · Order f This paper size is printed in Chinese National Standard (CNS) A4 (210X297mm). The A7 B7 is printed by the Beigong Consumer Cooperative of the Central Bureau of Standards of the Ministry of Economic Affairs. 5. Description of the invention (5). Not shown in Figure 4. The speaker 23 and the microphone 24 can correspond to the microphone 3 and the speaker 4 in Figures 1, 2, and 3, respectively. The selected keyboard 26 may be the keyboard 9 in the first, second, and third gardens. In the case of this device (2 in the first, second, and third pictures), there is a recess, and the 1C card can be inserted through the groove (8 in the first picture). The card connector 22 is installed in this gap for mechanical and electrical contact with the IC card 22. This connector can be of the standard IS07816 type. In the application of so-called contactless cards, the connector can be advantageously replaced with an appropriate (electromagnetic) device to exchange information with the card. For example, a hair dryer with an appropriate antenna device is an example. The coupling circuit 21 provides coupling between the connector 22 and the speaker 23 and the microphone 24, and includes a DTMF converter 28, a multiplexer or branch circuit 24, and a rate adapter 30 (optional). Under the shadow of the controller unit 20, data can be exchanged between the connector 22 (IC card connected to it) and the converter 31 formed by the microphone 24 and the speaker 23. Acoustic converters convert electrical signals into sound signals or vice versa. The role of the converter 31 can be switched between electrical and optical signals, in which the speaker 23 can be replaced by infrared transmission and the microphone 24 can be replaced by an infrared receiver. Another possibility is to replace the converter 31 with a line interface that can provide (electrical) coupling between the device and the communication network. The signaling device 25 sends a signal to the user, that is, the LCDs 5 and 6 in Fig. 2 are used to indicate the status of the device. The signal unit 25 may advantageously have a sound generator to provide voice instructions to the user. The power supply 27 is preferably a battery, but it can also include a clang connected to the phone-11-This paper size is applicable to the Chinese National Standard (CNS) A4 specification (210X297mm) (please read the precautions on the back before filling this page) Order-A7 _B7_ 5. Power supply for invention description (f). The device of the present invention may have a keyboard 26 (keyboard 9 in FIG. 2) to enter a password. This password can include the identification number (PIN) or telephone number or pass code of the payment institution, respectively. Telephone numbers and / or passcodes can also be entered via the keyboard and stored in the device and / or IC card. When using ISDN (for example via a so-called SBus), the keyboard 26 can be used to enter a passcode. The keyboard 26 can also be used to input non-numeric data (text keyboard). The device of the present invention can be used in the following ways. The user presses the control button (7 in Figures 1, 2, and 3) to activate the device. The first LED (5 in Figure 2) flashes to indicate that the device is turned on. At any time, the use of the IC card can be terminated by pressing the control button to stop or suppress the device. Printed by the Beigong Consumer Cooperative of the Ministry of Economic Affairs of the Ministry of Economic Affairs (please read the precautions on the back before filling out this page). The user then places device 1 in the receiver of the communication device (eg, telephone) 13) in the figure, and enter its identification code (eg PIN) on the keyboard 26. If the device 1 does not have a keyboard, the password can be input by the communication device. Also enter a period of time, such as the maximum confirmation time or the maximum time to use the service. The IC card can be activated by this identification code. We should also understand that the identification code itself does not need to be sent to the communication device, but only to the IC card. This further improves the safety of this device Ο

Next, the user dials by typing the number of the desired service or institution (such as a phone number) on the keyboard of the device 1 or the telephone (43 of Figures 5 and 6). If the number is stored in the device or the attached device, the number is automatically sent out. After that, the service provider (service organization or institution) and I -12-this paper scale is applicable to the Chinese National Standard (CNS) A4 specification (210X297 mm) Α7 Β7 300293 V. Description of invention (/ <?) C card Confirmation time starts. In the first part of this time, the user places the microphone of the device 1 (3 in Figures 1, 2, and 3) near the speaker of the telephone microphone 13 (U in Figures 2, 3) to receive Information. If these steps go smoothly, the first LED (5 in Figure 2) starts to glow and the second LED (6 in Figure 2) starts to flash to inform the user that the first part of the time can start. Therefore, the user places the loudspeaker (4 in figures 1, 2 and 3) near the receiver (15 in 2 and 3) of the receiver (13 in figures 2 and 3). If the information transmission of device 1 is successful, the second LED (6 in Figure 2) starts to emit light. This completes the transaction (user confirmation or payment). The service provider or payment institution preferably sends a value return signal via the device 1. When the program ends, both ILEDs go out. The foregoing description is for demonstration purposes only, and other applications are possible. The device of the present invention may have a voice recognition device (known). First, it enables the device 1 to be voice controlled, so the step of pressing the control button can be omitted. This is especially beneficial for people with eye problems or disabilities. Second, this allows additional user confirmation through voice recognition * that is, the speaker is clearly identified based on its chime. Preferably, the step of entering the PIN code can be omitted. The data exchanged between the telephone and the IC card via the device 1 may include at least three kinds of information. First, the identification or confirmation information used to confirm the identity of the user. However, the identity of the user must be confirmed before the payment is transferred from the account. This exchange data may include payment information. Also, if a debit is debited on the card M, the card balance and number related information must be eliminated from the card. In addition, dial-up information can also be exchanged, or at least through this -13-This paper size is applicable to China's national rubbing rate (CNS) grid (210X297mm) (please read the precautions on the back before filling out this page) Printed by the Central Standards Bureau Employee Consumer Cooperative A7 B7 Printed by the Ministry of Economics Central Standards Bureau Employee Consumer Cooperative V. Invention description (") The device is sent to the telephone. The phone may send dialing information to this device for future use (requires a passcode for the payment group). The dialing information can be stored in the IC card. The aforementioned device 1 can form an interface between a telephone and an IC card to transmit information between the two cabinets. This 1C card device (processor with verification logic and memory) can be used to perform user verification and / or card verification (this is best protected by this password). Since the built-in device of the IC card is adopted and the device basically only transmits and receives commands and / or data in this transparent manner, the device 1 is very simple and cheap. In addition, the device of the present invention is an interchangeable type, that is, the device can be used by different users each having its IC card. The device 1 may be composed of commercially available components. The control unit 20 may be a processor and a memory. Additional billions of objects (not shown in Figure 4) can be provided to store pass codes and / or PIN codes. It is preferable that various electronic components such as the control unit 20, the fold circuit 21 and the signal unit 25 can be accommodated in a single special-purpose integrated circuit (ASIC). Fig. 5 is another internal configuration of the device of the present invention. In the configuration shown, the control unit 20 is composed of a de-controller, that is, a complete processor with built-in memory, and additional circuits. The recall controller 20 preferably includes an input and output port (UART), and the multiplexer 29 and the rate adapter 30 can be omitted. DTMF converter 28 is replaced by a modem. The display 32 is connected to the controller 20. An erasable programming memory (E EPROM) 33, which may be composed of E EPROM or flash EPROM, is used to store appropriate software for the controller 20. It is best that this device can allow -14 in the memory 33-This paper standard adopts China Gujia Standard (CNS> A4 specification (210X297mm) ---- 1 --.---- install-- (Please read the precautions on the back before filling in this page) Order A7 B7 printed by the Beigong Consumer Cooperative of the Central Standards Bureau of the Ministry of Economy V. Invention Instructions (/ z) Software upgrade 'For example, a new card can be loaded from the IC card inserted into the device The software 〇Serial connector 31 (optional) is used to directly connect with external devices, such as computers, according to the RS232 protocol. These devices can be used in computer network applications, such as payment through the network. The signal unit 25 (optional equipment) may be composed of one or more LEDs. The control unit or microcontroller 20 is mainly used to send and receive data between the card connector 22 and the modem 28 (ie, the command and card data itself). Although the microcontroller 20 (and the transmission device 1) is basically transparent and the card data (that is, the card command and the card data itself) only pass through it, it is better for the controller to match the card data in order to improve card data exchange speed This can be illustrated in Figure 6. In Figure 6, the card data (instructions and data sent to the 1C card and their responses) are exchanged between the IC card and the security module of the transaction unit. This IC card can correspond to For the card 11 in Figures 1, 2, 3, and 7, the transmission unit may be a computer or similar device in the service provider unit 42 in Figure 7, and the security module may correspond to the security module in Figure 7 ( SM) 44. According to another aspect of the present invention, there is a difference between the two stages of card command exchange. A low-level exchange occurs between the IC card and the transfer device: the actual card command and card data are sent to the card and Received from the card. When the electrical signal is exchanged in the transmission device 1, the exchange has a high data rate. However, there is an acoustic path between the transmission device and the transaction unit (located between the device 1 and the receiver 13.) IC card The connection circuit between the security module usually limits the transmission speed. So * in this circuit -15-This paper standard is applicable to China National Standard (CNS) A4 specification (210X297mm) ---- Μ-- .------ (Please read the back first Please pay attention to this page and fill out this page.) Printed by the Central Standards Bureau of the Ministry of Economic Affairs. Printed by Α7 Β7. 5. Description of invention (/ 3) High-level exchange, in which several low-level commands are grouped together in a single high-level Commands are replaced. In this way, the time required for the transaction can be greatly reduced. As shown in Figure 6, the transaction unit can issue high-level commands (labeled as H). In response to the single high-level command received, the transmission device and the IC card Exchange several low-level instructions (labeled L). The result of this exchange is sent to the transaction unit as a high-level instruction (H) by the transmission device. Therefore, the high-level instructions cause several low-level instructions to be carried out between the transaction unit and the security module exchange. Each high-level instruction (H) thus represents a routine containing a large number (for example, five or ten) low-level instructions (L). Preferably, high-level commands can be optimized to increase efficiency. For example, common routines can be represented by a single high-level command. 0 The best transmission device can support two different data exchange modes. In the first mode (mode I in Figure 6), the operation of the transmission device is as described above: the high-level commands represent several low-level commands. In the second mode (mode E in Figure 6), a single low-level command (L) is sent to the transmission device as a high-level command (Η '), and the transmission device rewards this command as a low-level command to 1C card. The low-level command (L) generated by the card is sent to the transaction unit again as a high-level command (H ') by the transmission device, and then the high-level command is converted into a low-level command (L). That is, the high-level command H 'may be composed of a low-level command with an appropriate title, so that the low-level command can be transparently sent to the IC card using the structure and / or protocol of the high-level command. The benefit of this transparent transmission is that low-level commands can be used when high-level commands are not available • That is, low-level commands cannot be combined with existing high-level commands -16-This paper standard is used in China National Standard (CNS) A4 specifications (210X297mm) (Please read the precautions on the back first and then fill out this page) Τ The Ministry of Economic Affairs, Central Bureau of Standards and Technology, Beigong Consumer Cooperative, prints Α7 Β7. 5. Description of invention (/ ¥). The advantage is that it is not necessary to upgrade the software of the transmission device when importing one or more new commands to the IC card. It is preferable that the transmission device and the transaction unit can move back and forth in Mode I and Mode I 'so that the high-level commands (H) representing several low-level commands can be interspersed in the high-level commands (H') that only transmit a single low-level command. The (payment) system 40 in FIG. 7 includes the electronic communication system 41, which may include a telephone network. The service providing organization 42 is connected to the telecommunication system 41. This organization 42 may be a payment institution (such as a bank), which can pay electronically and perform confirmation procedures. The service provider 42 can be not only a payment institution but also various service providers (audiovisual center; pizzeria). The transaction unit of the service provider 42 includes a security module (SM) 44 that can securely store payment information and passwords. I understand that for the sake of clarity, only one service provider 42 is shown in Figure 7 • However, in reality, most service providers 42 may be connected to the network 41. The telephone 43 coupled to the telecommunication system 41 includes the receiver 13. Through the device 1 of the present invention (corresponding to the device 1 of FIG. 1), the 1C card 11 can exchange information with the telephone 43 and the organization 42 when in contact with the device 1 of FIG. The exchanged confirmation information can be used to verify the identity and authorization of the IC card user. In addition, the authenticity of the card 11 can also be confirmed in this way. I can understand that the reference to "telephone" in this article refers not only to fixed-line phones, but also to portable phones and / or fax devices. (Commonly known as a communication device). In addition, "Electronic Payment Transaction" Zhuyao Ye refers to remote payment, that is, payment via (remote) communication devices, but not Bureau-17-This paper standard uses the Chinese National Standard (CNS) Α4 specification (210X297 mm) ( Please read the precautions on the back and then fill out this page) Τ * -ιτ Printed by the Ministry of Economic Affairs Central Standards Bureau Employee Consumer Cooperative A7 B7 V. Description of invention (K) is limited to this. The remote payment is made by the consumer at home or in the office. The invention is suitable for use in conjunction with television broadcasting that may order the advertised product immediately and pay at the same time. The IC card described herein is usually an electronic device for payment, which has an electronic circuit installed in a plastic substrate of a so-called smart card or chip card. However, I should understand that the 1C card does not have to be the shape of the card. It is just that the IC card is essentially used to perform the verification process, that is, to clearly determine the authenticity of the card, and may be used to confirm the identity of the card. Therefore, the authorization (authenticity) of the user and his card can be verified. Therefore, the term " payment device " includes not only IC cards but also electronic circuits that can be used for verification. The integrated circuit (such as AS 1C) required for identification can be installed in the device of the present invention without the need for a card or substrate This can be achieved by forming an opening in the housing (compared to the groove 8 in Figure 1), and the product circuit is inserted in an inseparable split. This provides an advantage in that the device itself is relatively simple and inexpensive The financial transactions conducted using the device of the present invention may include not only payment transactions, but also collection (revaluation) transactions, in which the balance on the 1C card is increased rather than decreased. In addition, the device of the present invention is only used to You can also conduct transactions during identification, and the balance on the card does not decrease. I should note that the IC card or "payment card" described in this article does not actually need to include the balance of the payment, but only for identification (identification card) In addition to financial transactions, the device of the present invention can also be used in other parent exchanges, where information is exchanged between IC cards and telecommunications communication systems. Therefore, use Device invention * I C card, do not be identity card or identification card 18 - This paper scale applicable Chinese National Standard (CNS) Α4 size (210X297 mm) (Please read the back of the precautions to fill out this page)

T A 7 B7 V. Description of invention (/ public) Used in conjunction with telephone referendum and opinion polls. Those skilled in the art should understand that the present invention is not limited to the illustrated embodiments, and that various modifications and additions can be implemented without departing from the scope of the present invention. (Please read the precautions on the back before filling out this page),? THr. Printed by the Ministry of Economic Affairs, Central Bureau of Samples and Printing, Beigong Consumer Cooperative -19-This paper scale is applicable to the Chinese National Standard (CNS) A4 (210X297mm) economy A7 B7 printed by the Ministry of Standards and Staff Consumer Cooperative V. Invention description (/ 7) 1 Device 2 Housing 3 Microphone 4 Speaker 5 Display, first LED 6 Second LED 7 Control button 8 Groove 9 Keyboard 10 Hinges 11 IC card 12 connector 13 receiver 14 speaker 15 microphone 16 wire 20 controller 21 coupling circuit 22 card connector 23 speaker 24 microphone 25 signal unit 26 keyboard 27 power supply ---- 1-- .------- (Please read the precautions on the back before filling in this page) The size of the paper is applicable to the Chinese National Standard (CNS) A4 specification (210X 297mm) A7 B7 V. Description of invention (β) 28 DTMF converter 29 multiplexer 30 rate adapter 31 acoustic converter 32 display 33 EEPR Ο Μ 34 R232 connector 40 payment system 41 network · 42 service provider 43 telephone 44 S Μ ----:- ------- (Please read the notes on the back first Please fill in this page for details), Printed by the Employees Consumer Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs _- 21-This paper standard is applicable to China National Standards (CNS) Μ specifications (210Χ297mm)

Claims (1)

Α8 Β8 C8 D8 Printed by the Consumer Cooperative of the Central Bureau of Economics of the Ministry of Economic Affairs' patent application scope 1. A device that exchanges data between the IC card U1) and the terminal (42) via the communication device (43) < 1 >, the device includes: a device (22 > connected to an IC card (11 >; device (23) that transmits information to a communication device (43) in an omni-directional manner; a device (23) in an omni-directional manner; Device (43> Device (24) receiving information; and control device <20); where devices (20, 22, 23, 24) are cascaded to exchange information between device (43) and IC card (11>) ， The device uses M as the transparent data between the IC card and the communication device. 2. For example, the device of patent application No. 1 in which the device (1) is located at the first level and the terminal (42 >; Contact, and in the second-level calendar is related to the 1C card, and the data rate of each level is different. 3. For example, if you apply for the device in the second item of the scope of profit, the first-level command (Η #> includes the second level The single instruction of li (L >. 4. For example, in the device of claim 2 of the patent scope, the first-level instruction (H > represents One or more second-level commands < L >. 5_ For example, the device for applying for the first item of the patent model garden, including the repeatable program planning memory (33). 6. For example, if applying for the patent model garden item The device has a keyboard (9; 26) * Use Μ 粬 to enter the identification code and other information. -22-This paper standard applies to China National Standard Falcon (CNS) Α4 specifications (210X297 mm) (please read the back of the first (Notes to fill out this page) Agriculture · Buding A8 B8 C8 D8 6. Patent application scope 7. If the device of the patent application item 1, it has a voice recognition device 0 8. If the device of the patent application item 1 , Which has a hand-held housing (2> 〇9 ·-financial transaction method, which is implemented using the device (1) as described in item 1 of the scope of patent application. 10. 10. Electronic payment transaction system (4〇 > , Including telecommunications communication network (41), a service provider (42) coupled to the network (41), wherein the service provider (42) processes electronic payment orders, and also a communication device (41) connected to the network (41) 43) 、 Electronic ic card for security transaction (11>, Μ and Μ are transparently used in IC card 11> The device (1) that transmits data between the communication device (43). I-II-n HI m ^ nn. ^ 1 I · 11 (Please read the precautions on the back before filling this page) Central Standards of the Ministry of Economic Affairs The size of the paper printed by the Bureau ’s Consumer Cooperatives is applicable to the Chinese National Standard (CNS) 84 specifications (210X297mm)