五、發明説明（） A7 B7 經濟部智慧財產局員工消費合作社印製 發明領域： 本發明係有關於一種傳送電子資料之電子裝置，特 別是有關於一種傳送電子貨幣之電子手持裝置。 發明背景： 由於電腦及通訊的進步，使得電子貨幣的使用漸漸 的取代傳統錢幣，不但加速了貨幣的交流，也減少了傳統錢 幣使用之不便。在英國Swindon市裡’已普遍使用著一種稱 為Mondex卡，用以作為一種電子貨幣。例如’利用此卡以 代替現金，用來購買曰常用品、購票、租車或搭乘交通工具。 使用此種卡以支付日常小額付款’給人們帶來極大的便利’ 免去必須隨身攜帶紙鈔、硬幣及找零之不便。此外’此 Mondex卡也可用來作為收取貨幣之用。例如r持有Mondex 卡的使用者可以到銀行’從自己的帳戶中將部份的存款轉移 到此卡内，用以作為消費之用。再者’使用者個人之間也可 以使用電子錢包’相互交換電子貨幣。甚至’在家中也可以 透過一種特殊電話機，和銀行連線以存取帳款。 電子錢包還可以透過特殊介面裝置（例如一些收銀 機器（P0S)或如 Panasonic或OKI製造的電子錢包設備 2 本紙張尺度適用中國國家標準（CNS ) Α4規格（210X297公釐） i- :·υ~Λ. I--:1 HI Is— I-- 1. --11 - (請先閱讀背面之注意事項再填寫本頁) 線 經濟部智慧財產局員工消費合作社印製 A7 > _;_B7_；_l 五、發明說明（） (W a 1 1 e t ))，實現短距離之電子貨幣交換。再者，經由一些 電子貨幣的特殊電話機及網路功能之介面裝置，可以實現遠 距離之電子貨幣交換。然而，上述之各種功能需要經由多種 不完全相關的設備（如上述之 W a 1 1 e t及電話機）來加以完 成。再者，在這些不同的設備當中，其功能大都相互重疊， 且各種設備之間的介面更是差異.很大。因此，必須雙方同時 擁有相應功能之設備時，才能進行電子貨帶之交換，因而大 大限制了電子貨幣之使用範圍及其便利性。 因此，亟需要提出一種整合電子錢包及遠端傳輸功 能的電子裝置，且能夠達到手持功能，以便於攜帶，確實落 實電子錢包帶給人們的便利。 發明目的及概述： 鑒於上述之發明背景中，傳統的電子錢包所產生的 諸多缺點，本發明的主要目的在提供一種整合電子錢包及遠 端傳輸功能的電子裝置，不但能夠達到手持功能，以便於攜 帶，且能確實落實電子錢包帶給人們的便利。在本發明其中 一實施例中的電子裝置，係用以在其内互相傳送電子資料， 其至少包含第一讀卡器用以讀取第一卡，及第二讀卡器用以 讀取第二卡。另外，還包含控制器，用以控制第一讀卡器及 3 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） I ----^-------- I I I ----，訂- - ------- (請先閱讀背面之注意事項再填寫本頁) 五.、發明說明（ A7 B7 内 卡 而之 ， 盖 卡料 二資 第 至 送 傳 料 資 子 電 之數新 之更 一内之 第卡應 得二對 Μ及作 器卡， 卡一係 讀第關 二於易 第位交 子 電 據 根 會 料 資 值 另之 明 發本 離第用 距於， 遠位端 於其二 用，第 可器於 ，卡位 置讀其 裝一， -?-第器 電含卡 的包讀 中少二 例至第 施其及 實’.’ I 用卡之一 料第 資取 子讀 電以 送用 傳， 相端 互一 第第 取制 讀控 以別 第 及 器 卡 卡讀 第 於 位 別 分 器 卡 賣 -5 分料 以資 用子 則電 器之 制内 控卡 之一 端第 二得 第使 及 端 係 易 交 之 内送 卡 二料 第資 至子 送電 傳 據 第 於 位 且 根訊 合曰通 料， 資外 值另 數 之新 内更 卡之 二應 第對 目 及 4 卡作 第第 至成 接達 連以 別介 分媒。 組輸& 模傳，; 訊由L 1 - 的 通經Γ4 且其-f ，，之 端面面 二介介 第訊訊 及通通 端端端一二二 第第第 於及及 位面面 別介介 訊 訊 面通通 介端端 明說 單 簡式 圖 包 錢 子 電 例 施 實 1 中 其 明 發 本 據 根 示 顯 圖 A ο 一 圖 第塊 方 之 置 裝 —Λί-------------裝—— (請先閱讀背面之注意事項再填寫本頁) 1Τ· 經濟部智慧財產局員工消費合作社印製 圖 音心 ο 示圖 程程 流流 據輸 數傳 之之 包易易 錢交交 子幣幣 電貨貨 此子子 示電電 顯示示 圖顯顯 ODffl一 篆一 一 二三 第第第 圖 觀 外 之 置 裝 U. 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） 經濟部智慧財產局員工消費合作社印製 A7 ' ___B7_^ 五、發明說明（） 第四圖顯示電子錢包裝置藉由一通訊模組及公眾 電話網路以實現遠端電子貨幣傳輸。 第五圖顯示使用電子錢包裝置及公眾電話網路以 實現遠端電子貨幣傳輸之方塊圖。 第六 A圖顯示類比顯示服務介面（ADS I )之系統方 塊圖。 第六B圖顯示雙音複頻之頻率組合方式。 第六 C圖顯示資料連接（d a t a 1 i n k )層的資料框格 式。- 第六 D 圖顯示訊息（m e s s a g e )層之訊息封包 (packet)格式 ° 第六E圖顯示類比顯示服務介面（ADS I )伺服器控 制流程。 第七圖顯示遠端電子貨幣交易之數據流程示意圖。 第八圖顯示遠端電子貨幣交易之傳輸流程圖。 圖號 對 昭 說 明 20 類 比 顯 示 服 務 介 面 22 使 用 者 前端裝置 24 儲 存 程 式 控 制 系 統 26 使 用 者 端 50 撥 通 碼 52 提 示 信 號 54 回 覆 信 號 56 第 一 訊 息 58 回 覆 信 號 5 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） --Γ---- I I I----- I I 1 I i I I 訂— — — — — — — I— (請先閱讀背面之注意事項再填寫本頁) A7 B7 經濟部智慧財產局員工消費合作社印製 五、發明說明（ 101 電 子 錢 包 裝 置 102 讀 寫 記 憶 體 103 唯 讀 記 憶 體 104 中 央 處 理 器 105 按 鍵 106 觸 摸 屏 107 液 晶 顯 示 器 108 内 部 讀 卡 器 109 外 部 3貝 卡 器 110 内 部 卡 112 通 訊 介 面 115 外 部 電 子 貨幣卡 116 通 訊 模 組 117 公 眾 網 路 200 子 錢 包 裝 置 202 電 子 貨 幣 卡 204 收 款 方 600 付款方通訊模組 602 付 款 端 之 電 子 貨幣卡 發明詳細說明： 第一 A圖顯示根據本發明其中一實施例電子錢包 裝置1 0 1之系統方塊圖，而第一 B圖則為此裝置1 0 1之外觀 圖。中央處理器104負責整個裝置101之動作及控制，其程 式則置於唯讀記憶體1 0 3内，而一些暫態處理之資料則放於 讀寫記憶體1 0 2。通常，電子錢包1.0 1含有一液晶顯示器 1 0 7，用以顯示電子貨幣傳輸狀態及數量。此電子錢包1 0 1 更可以包含按鍵105，讓使用者輸入資料。此按鍵105可以 製作為完整之鍵盤（key board)形式，或者為簡化之按鍵 (key pad)或選擇鍵。再者，本電子錢包101也可以加上一 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） I \---^---------裝--------txi-------線----------^ (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 A7 __B7_^ 五、發明說明（) 觸摸屏（t 〇 u c h s c r e e η ) 1 0 6，方便使用者直接以手指控制電 子貨幣之傳輸。另外，裝置1 〇 1還包含一通訊介面1 1 2，用 以配合通訊模組1 3 0，作遠距離之電子貨幣傳輸。 第一 Α圖中的外部讀卡器1 0 9及内部讀卡器1 0 8 為本發明電子錢包裝置1 0 1的主要特徵之一。外部讀卡器 1 0 9係用於收納以讀取一外部電子貨幣卡 1 1 5 (底下簡稱為 外部卡），此外部卡1 1 5通常為標準規格之電子貨幣卡（例如 Mondex卡），其可以方便的插入夕卜部讀卡器1 0 9或從外部讀 卡器1 0 9中取出，其主要係用於在任何一台本發明裝置1 0 1 之外部讀卡器1 0 9上支付或者收取電子貨幣（此支付或收取 之工作方法將會於底下詳細說明之）。至於内部讀卡器1 0 8 係用於收納以讀取一内部電子貨幣卡（未顯示於圖式中，底 下簡稱為内部卡），此内部卡不一定為標準規格之電子貨幣 卡，其通常係置於電子錢包裝置101内作為在内部傳輸中， 和外部卡1 1 5之間接收或傳出電子貨幣，此内部卡於需要時 也可以取出。在本實施例中，此内部卡之尺寸較小於標準之 外部卡1 1 5 ^ 在單獨使用時（亦即並非和他人進行電子貨幣之交 換時），此電子錢包裝置1 0 1可以提供查詢卡（外部卡或内部 卡）上餘額、個人密碼修改、鎖上及解開卡之各種功能。此 7 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） . i - - 1,^-------------裝--------，訂---------線 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 A7 _B7_^ 五、發明說明（） 外，本裝置1 0 1可以自動偵測到外部卡或内部卡是否插上之 狀態。 當兩個持有標準電子貨幣卡之使用者要進行電子 貨幣交換時（例如一行人在報攤上購買一份報紙而付款給老 闆時），則行人將其電子貨幣（外部）卡置入老闆之電子錢包 裝置1 0 1之外部讀卡器1 0 9，用以將電子貨幣（外部）卡之貨 幣傳送至内部讀卡器108之内部卡，而完成兩張卡之間的電 子貨幣交易。在交易當中，使用者可以藉由按鍵1〇5(或觸 摸屏1 0 6 )及液晶顯示器1 0 7來執行貨幣傳遞方向及金額數 據等的設定。 第二圖顯示上述電子貨幣交易之數據流程示意 圖，並請同時配合第三圖之傳輸流程圖。於傳輸之前，要作 一些傳輸前的準備及設定過程。首先，偵測内部卡是否有放 置或者是否放置正確（步驟3 0 1 )。接著，偵測外部卡是否有 放置或者是否放置正確（步驟302)。上述兩個步驟之先後次 序可以互換，且當任何一卡被偵測為未放置或放置不正確 時，則會於液晶顯示器1 0 7顯示錯誤訊息。接著，使用者選 擇傳輸方向（步驟 303)(在上述例子中，此方向為自外部卡 至内部卡）。最後，經由按鍵1 0 5輸入所欲傳輸之電子貨幣 金額數據（步驟3 0 4 )。 8 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） I ^----„-----------------”訂·-------I (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 A7 B7 五、發明說明（） 於完成傳輸前的準備及設定過程後，根據輸入之傳 輸方向及數據，首先由電子錢包裝置200發出一命令（命令 1)至付款方之電子貨幣卡2 0 2 (步驟3 0 5 )。接著，付款方2 0 2 返回一回答（回答1)(步驟306)。裝置200根據此回答1送 出另一命令（命令2 )至收款方2 0 4 (步驟3 0 7 )，再接收返回 之另一回答（回答2)(步驟308)。如果傳輸尚未完成（步驟 3 0 9 )，貝|J重複執行步驟3 0 5至3 0 8。在傳輸當中，如果有任 何通訊之錯誤發生時，則經由步驟3 1 0捨棄該次的傳輸，並 直接進入步驟3 0 9以重新執行步驟3 0 5至3 0 8。最後，當如 果傳輸成功（係由步驟3 1 1所判斷），則藉由液晶顯示器1 0 7 顯示傳輸成功之訊息給使用者（步驟3 1 2 );否則，則顯示傳 輸失敗訊息給使用者（步驟3 1 3 )。 除了上述之内部電子貨幣交易方法外，本發明還可 通過網路與遠端進行傳輸交易（例如從家裡和銀行存取款 項）。第四圖顯示電子錢包裝置1 0 1藉由一通訊模組1 1 6 (其 為一台具有通訊能力及與電子錢包裝置連接能力之電話機） 及公眾電話網路，以實現遠端電子貨幣傳輸之目的。 第五圖顯示使用電子錢包裝置及公眾電話網路以 實現遠端電子貨幣傳輸之方塊圖。近端電子錢包裝置1 0 1 9 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） . ' _~ |(^-------------裝-----.---訂---------線 (請先閱讀背面之注意事項再填寫本頁) Α7 Β7 經濟部智慧財產局員Η消費合作杜印製 五、發明說明（） 具有外部卡1 1 5或内部卡丨丨〇，藉由電子錢包裝置i i之通 訊介面1 1 2 (第一 A圖）連接至通訊模組u 6，再經由公眾網 路117與遠端之通訊模組n6A及遠端電子錢包裝置1〇1A 之外部卡11 5A或内部卡1 1 〇A作電子貨幣傳輸。 在本實施例中的公眾網路n 7，係為類比顯示服務 介面（A n a 1 〇 g D i s p 1 a y S e r v i c e I η 1; e r f a c e，A D S I)，至於其 它之網路也同樣可以達到遠端電子貨幣傳輸之目的。底下將 對類比顯示服務介面作一簡短之介紹。第六A圖顯示介於使 用者前端裝置（Customer Premises Equipment, CPE)22 和 儲存程式控制系統（Stored Program Controned System， SPCS ) 2 4祠服器之間的類比顯示服務介面（Ana 1 0g j) i sp 1 ay Service interface, ADSI)20之系統方塊圖，其中使用者 前端裝置（CPE ) 2 2係裴置及使用於使用者端2 6或是電話機 内。類比顯示服務介面（ADSI)2〇提供使用者前端裝置 (CPE)22和交換系統’如儲存程式控制系統（spcs)24伺服器 之間的雙向資料通信，以達到在語音等級之公共交換電話網 路（PSTN)上傳輸資料的目的。再者，撥入電話訊息（cal ler I D )也可以在第六a圖之系統内傳輸。 類比顯示服務介面（ADS I) 2 0協定提供雙向資料傳 輸功能’使得使用者26可以藉由使用者前端裝置（CPE)22 本紙張帽國家標準（CNS)A4規格⑵Q χ撕公楚） / - - f I «Μ. — * 裝-----_---訂---------線 (請先閱讀背面之注意事項再填寫本頁) A7 B7 五、發明說明（） 經濟部智慧財產局員工消費合作社印製 來使用螢幕顯示訊息及呼叫管理功能。此協定使用雙音複頻 (DTMF)及物理層協定之調變信號形式（如頻率移位鍵入（FSK) 調變）以傳輸訊息、資料。例如，儲存程式控制系統（Spcs) 24 伺服器送出一聲頻且為頻率移位鍵入（FSK)形式之使用者前 端裝置提示信號（CPE Alerting Signal, CAS)，以啟動使用 者前端裝置（C P E ) 2 2並開始接收資料；接著，使用者前端裝 置（CPE)22以雙音複頻（DTMF)之回複信號送至伺服器24。使 用者2 6通常係藉由電話機以啟動、初使化使用者前端裝置 (CPE) 2 2，並撥通伺服器24以得到其服務；也就是說，使用 者前端裝置（CPE)22係作為使用端26之代理者。第六B圖 顯示雙音複頻之頻率組合方式，例如，數字5是由7 7 0赫 (Hertz)及1336赫兩種信號所組成的。 類比顯示服務介面（ADS I ) 2 0協定包含三個通信 層，即物理層、資料連接（datalink)層及訊息（message)層。 第一物.理層負貴何服器2 4調變器和使用者2 6調變器之間 的位元資料串傳輸，同時也定義類比顯示服務介面（ADS I) 2 0 之雙音複頻（DTMF)、頻率移位鍵入（FSK)信號之電氣特性。 第二資料連接（datal ink)層藉連接、釋放伺服器 2 4和使用者前端裝置（CPE ) 2 2之通路，及偵測、改正傳輸錯 誤以提供一可靠度佳的傳輸通路。第六C圖顯示此層的資料 14----"--------裝—— (請先閱讀背面之注意事項再填寫本頁) --θ .線_ 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公爱） 經濟部智慧財產局員工消費合作社印製 A7 _B7_ 五、發明說明（） 框格式，其中前置信號（preamble) 30用以告知使用者前端 裝置（C P E ) 2 2將有信號到來；訊息型態3 2指示訊息之型態； 訊息長度3 4之内容表示第三層資料3 8之所有數目；而檢查 碼3 9則作為使用者前端裝置（CPE ) 2 2用以偵測傳輸錯誤之 用。 第三訊息（m e s s a g e )層負貴字元、資料碼及其顯示 於使用者前端裝置（CPE)22之方式。第六D圖顯示訊息封包 (packet)之格式，對於每一個參數至少包含：參數型態、參 數長度及資料。 第六 E圖顯示一般之類比顯示服務介面（A D S I)伺 服器控制流程。首先，使用者以撥通碼5 0啟動伺服器之服 務，而伺服器則送一1聲頻之使用者前端裝置提示信號（CPE Alerting Signal, CAS)52至使用者端。在使用者4認此信 號後，使用者之前端裝置（CPE) 2 2抑制電話機話筒，並送出 雙音複頻 DTMF A之回覆信號54。伺服器在接收到此信號 後，即送出第一訊息5 6。使用者於接收到此訊息後，回應 以雙音複頻DTMF D1之回覆信號58。依此原則，一直傳送 訊息直到最後一個（本實施例中為三個）訊息及其 DTMF D3 之回覆信號5 9為止。值得注意的是，伺服器不需要等到使 用者端回覆才送出下一個訊息，因此可以加快傳輸速度。 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） --Γ---^--------裝-----1---訂---------線 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 A7 ___B7 五、發明說明（） 第七圖顯示遠端傳輸例子之數據流程示意圖，並請 同時配合第八圖之傳輸流程圖。首先，從付款方電子錢包裝 置600輸入傳輸金額數據（步驟801)及其它一些傳輸準備及 設定。接著，付款方通訊模組6 0 0發出雙音複頻（DTMF )要求 收款方通訊模組 6 0 0 A打開數據通道（d a t a p a t h )(步驟 8 0 2 )。收款方根據此雙音複頻（DTMF)發出另一雙音複頻 (DTMF )，並打開數據通道（步驟8 0 3 )。當付款方收到此雙音 複頻（DTMF )後，也跟著打開數據通道（步驟8 0 4 )，因而連接 了兩者間的通訊通道。 於完成通訊通道之連接開啟後，首先由付款端裝置 6 0 0發出一命令（命令1 )至付款端之電子貨幣卡（可以為内 部卡或外部卡）6 0 2 (步驟8 0 5 )，且電子貨幣卡6 0 2返回一回 答（回答1 )(步驟8 0 6 )。接著，付款端通訊模組6 0 0送出數 據至收款方6 0 0 A (步驟8 0 7 )。收款端裝置6 0 0 A發出一命令 (命令 2)至收款端之電子貨幣卡（可以為内部卡或外部 卡）602A(步驟808)，且電子貨幣卡602A返回一回答（回答 2 )(步驟8 0 9 )。此收款端通訊模組6 0 0 A則送出一數據至付 款方6 0 0。如果傳輸尚未完成（步驟8 1 2 )，則重複執行步驟 8 0 5至8 1 0。在傳輸當中如果有任何通訊之錯誤發生時，則 經由步驟 8 1 1捨棄該次的傳輸。如果傳輸完成或有錯誤發 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐） --r---_--------裝-----..I---訂---------線 (請先閱讀背面之注意事項再填寫本頁) A7 B7_ 五、發明說明（） 生，則付款方 6 0 0送出"停止〃信號給收款方 6 Ο Ο A (步驟 8 1 6 )，並將兩者間的通訊由原來之數據模式轉換成聲音模式 (步驟 8 1 7 )。如果上述之數據傳輸為成功（由步驟 8 1 3決 定）’則錯由液晶顯不1 0 7顯不傳輸成功之訊息給使用者 (步驟 8 1 4 );否則，則顯示傳輸失敗訊息給使用者（步驟 8 1 5 )。當整個電子貨幣交易傳輸完成後，兩方之裝置6 0 0 及6 Ο Ο A會利用液晶顯示器1 0 7通知使用者以了解傳輸情形 及其餘額。如有需要，更可利用通訊模組6 0 0及6 Ο Ο A及語 音通路與對方溝通。 以上所述僅為本發明之較佳實施例而已，並非用以 限定本發明之申請專利範圍；凡其它未脫離本發明所揭示之 精神下所完成之等效改變或修飾，均應包含在下述之申請專 利範圍内。例如，本發明裝置1 0 1也可以用來傳遞電子貨幣 以外的電子資料。再者，本發明裝置1 01可以製作於一些攜 帶型電子設備或電腦内，例如個人數位助理（PDA)或手持個 人電腦（HandheldPC, HPC)。另外，上述内部或外部卡不一 定為Mondex卡，其它之標準卡也同樣適用於本發明。 i J.---^--------裝-----.---訂---------線 (請先閱讀背面之注意事項再填寫本頁) 經濟部智慧財產局員工消費合作社印製 14 本紙張尺度適用中國國家標準（CNS)A4規格（210 X 297公釐）V. Description of the invention () A7 B7 Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economics Field of the Invention: The present invention relates to an electronic device for transmitting electronic data, especially an electronic handheld device for transmitting electronic money. Background of the Invention: Due to the advancement of computers and communications, the use of electronic money is gradually replacing traditional coins, which not only accelerates the exchange of currencies, but also reduces the inconvenience of using traditional coins. In the British city of Swindon, a Mondex card has been widely used as an electronic currency. For example, ‘Use this card instead of cash for everyday items, tickets, car rental, or transportation. The use of such cards to pay daily micropayments ‘brings great convenience’ is free of the inconvenience of having to carry banknotes, coins and change with you. In addition, 'this Mondex card can also be used to collect currency. For example, a user holding a Mondex card can go to the bank ’to transfer part of the deposit from his account to this card for consumption. Furthermore, 'users can also use electronic wallets' to exchange electronic money. Even ‘you can access your account at home through a special phone. The e-wallet can also pass through special interface devices (such as some cash registers (P0S) or e-wallet devices such as Panasonic or OKI. 2 This paper size applies to China National Standard (CNS) Α4 specifications (210X297 mm) i-: · υ ~ Λ. I-: 1 HI Is— I-- 1. --11-(Please read the notes on the back before filling out this page) Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 >_; _ B7_; _l 5. Description of the invention () (W a 1 1 et)), realize short-distance electronic money exchange. In addition, through some special telephones and internet-enabled interface devices for electronic money, long-distance electronic money exchange can be realized. However, the above-mentioned various functions need to be completed by various incompletely related devices (such as the above-mentioned W a 1 1 e t and telephone). Moreover, among these different devices, their functions mostly overlap each other, and the interfaces between various devices are even more different. Therefore, the electronic cargo belt exchange can only be performed when both parties have devices with corresponding functions at the same time, which greatly limits the use range and convenience of electronic money. Therefore, there is an urgent need to propose an electronic device that integrates the electronic wallet and remote transmission function, and can achieve the handheld function, so that it can be easily carried, and it truly implements the convenience brought by the electronic wallet. Objectives and Summary of the Invention: In view of the many shortcomings of the traditional electronic wallet in the above background of the invention, the main purpose of the present invention is to provide an electronic device that integrates the electronic wallet and remote transmission functions, not only can achieve the handheld function, so as to facilitate It is portable, and can really implement the convenience brought by the electronic wallet. The electronic device in one embodiment of the present invention is used for transmitting electronic data to each other. The electronic device includes at least a first card reader for reading the first card and a second card reader for reading the second card. . In addition, it also contains a controller to control the first card reader and 3 paper sizes that are applicable to China National Standard (CNS) A4 (210 X 297 mm) I ---- ^ -------- III ----, order--------- (Please read the precautions on the back before filling out this page) V. Description of the invention The first card in the new transmission should receive two pairs of M and the device card. The first card reads the second pass and the second one is in the second position. According to the data value of the material, it will be issued separately. The distance from the first, the far end is used for the second, the second can be used, the card position reads its installed one,-?-The second device of the card containing the card to read less than two cases to the first and its implementation. I use one of the cards to read the electricity and send it for transmission, and the other party will get the first reading and control to read the card and read the card in the position. One of the internal control cards of Zizen Electric Co., Ltd. has the second place and the end is a free delivery card. The second piece of material is to the sub-transmission document, which is in place. The second value of the new internal change card should be the first match and the 4th card to be the first to reach the access through the different media. Group loss & die pass ,; the message is passed by L 1-through Γ4 and its -f ，， The end surface of the second interface and the communication terminal end of the first and second planes of the first and second planes of the communication interface and the communication interface of the communication terminal are clearly stated in a single diagram and a packet of money. In the first embodiment, its Mingfa paper shows the basic picture A ο The first piece of the picture is installed—Λί ------------- install—— (Please read the precautions on the back before (Fill in this page) 1T · The Intellectual Property Bureau of the Ministry of Economic Affairs' employee consumer cooperatives prints the maps of the heart. The diagram shows the flow of data. Display ODffl 1 2 1 2 3 3rd figure U. This paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm) Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 ' ___ B7_ ^ 5. Description of the invention () The fourth picture shows the electronic wallet device through a communication module and the public Telephone network to achieve remote electronic money transmission. The fifth diagram shows a block diagram using an electronic wallet device and the public telephone network to achieve remote electronic money transmission. The sixth diagram A shows an analog display service interface (ADS I) system. Block diagram. Figure 6B shows the frequency combination of the two-tone complex frequency. Figure 6C shows the data frame format of the data connection (d a t a 1 i n k) layer. -Figure 6D shows the packet format of the message (m e s s a g e) layer ° Figure 6E shows the analog control server (ADS I) server control process. The seventh diagram shows the data flow diagram of the remote electronic money transaction. The eighth figure shows the transmission flow chart of the remote electronic money transaction. The drawing numbers show 20 analog display service interface 22 user front-end device 24 stored program control system 26 user terminal 50 dial code 52 prompt signal 54 reply signal 56 first message 58 reply signal 5 This paper standard applies to Chinese national standards ( CNS) A4 specification (210 X 297 mm) --Γ ---- II I ----- II 1 I i II Order — — — — — — — I— (Please read the notes on the back before filling This page) A7 B7 Printed by the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. Description of the invention (101 Electronic wallet device 102 Read-write memory 103 Read-only memory 104 CPU 105 Button 106 Touch screen 107 LCD display 108 Internal card reader 109 External 3 Becker 110 Internal card 112 Communication interface 115 External electronic money card 116 Communication module 117 Public network 200 Sub-wallet device 202 Electronic money card 204 Payee 600 Payer communication module 602 Electronic goods on the payment side Detailed description of the card invention: The first diagram A shows a system block diagram of an electronic wallet device 101 according to one embodiment of the present invention, and the first diagram B is an external view of the device 101. The central processor 104 is responsible for the entire For the operation and control of the device 101, its program is placed in the read-only memory 103, and some temporarily processed data is placed in the read-write memory 1 02. Generally, the electronic wallet 1.0 1 contains a liquid crystal display 1 0 7 is used to display the status and quantity of electronic money transmission. This electronic wallet 1 0 1 can also include a key 105 for the user to input data. This key 105 can be made as a complete key board, or it can be simplified Key pad or selection key. In addition, this electronic wallet 101 can also be added with a paper size applicable to China National Standard (CNS) A4 (210 X 297 mm) I \ --- ^ ---- ----- install -------- txi ------- line ---------- ^ (Please read the precautions on the back before filling this page) Ministry of Economy Wisdom Printed by the Consumer Cooperative of the Property Bureau A7 __B7_ ^ V. Description of the invention () Touch screen (t 〇uchscree η) 1 0 6, convenient The user directly controls the transmission of electronic money with his finger. In addition, the device 101 also includes a communication interface 1 12 for cooperating with the communication module 130 for long-distance electronic money transmission. The external card reader 10 and the internal card reader 108 in the first A picture are one of the main features of the electronic wallet device 101 of the present invention. The external card reader 1 0 9 is used to store and read an external electronic money card 1 1 5 (hereinafter referred to as external card). The external card 1 1 5 is usually a standard electronic money card (such as a Mondex card). It can be easily inserted into or removed from the external card reader 1 10, which is mainly used to pay on any external card reader 1 0 9 of the device 1 0 1 of the present invention or Collection of electronic money (this payment or collection method will be explained in detail below). As for the internal card reader 108, it is used to store and read an internal electronic money card (not shown in the figure, referred to as internal card below). This internal card is not necessarily a standard specification electronic money card. It is usually It is placed in the electronic wallet device 101 for receiving or transmitting electronic money between the external card 1 and 15 during internal transmission, and the internal card can also be taken out when needed. In this embodiment, the size of the internal card is smaller than the standard external card 1 1 5 ^ When used alone (that is, not when exchanging electronic money with others), the electronic wallet device 1 0 1 can provide inquiries Card (external card or internal card) balance, personal password modification, lock and unlock various functions of the card. These 7 paper sizes are in accordance with China National Standard (CNS) A4 (210 X 297 mm). I--1, ^ ------------- Package -------- , Order --------- line (please read the precautions on the back before filling this page) Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 _B7_ ^ 5. Description of the invention () In addition, this device 1 0 1 It can automatically detect whether the external card or internal card is plugged in. When two users holding a standard electronic money card want to exchange electronic money (such as when a party buys a newspaper at a newsstand and pays the boss), the pedestrian places his electronic money (external) card in the boss The external card reader 10 of the electronic wallet device 101 is used to transmit the currency of the electronic money (external) card to the internal card of the internal card reader 108 to complete the electronic money transaction between the two cards. During the transaction, the user can execute the setting of the currency transfer direction and the amount of data by pressing the button 105 (or the touch screen 106) and the liquid crystal display 107. The second figure shows the data flow diagram of the above electronic money transaction, and please also cooperate with the third flowchart. Before transmission, make some preparations and settings before transmission. First, detect whether the internal card is placed or not (step 3 0 1). Next, it is detected whether or not the external card is correctly placed (step 302). The order of the above two steps can be interchanged, and when any card is detected as not placed or placed incorrectly, an error message will be displayed on the LCD monitor 107. Next, the user selects the transmission direction (step 303) (in the above example, this direction is from the external card to the internal card). Finally, enter the electronic money amount data to be transmitted via the button 105 (step 304). 8 This paper size is applicable to China National Standard (CNS) A4 (210 X 297 mm) I ^ ---- „-----------------” Order · --- ---- I (Please read the notes on the back before filling out this page) Printed by the Consumers' Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 B7 V. Invention Description () After completing the preparation and setting process before transmission, according to the input For transmission direction and data, first, the electronic wallet device 200 issues a command (command 1) to the electronic money card 2 2 of the payer (step 3 0 5). Then, the payer 2 0 2 returns an answer (Answer 1) (step 306). The device 200 sends another command (command 2) to the payee 2 0 4 (step 3 7) according to the answer 1 and then receives another reply (answer 2) returned (step 308). If the transfer has not been completed (step 309), Be | J repeats steps 305 to 308. During transmission, if any communication error occurs, the transmission is discarded through step 3 10 and the process directly proceeds to step 3 9 to re-execute steps 3 05 to 3 8. Finally, if the transmission is successful (determined by step 3 1 1), a message of successful transmission is displayed to the user via the liquid crystal display 10 7 (step 3 1 2); otherwise, a message of transmission failure is displayed to the user (Step 3 1 3). In addition to the above-mentioned internal electronic money transaction methods, the present invention can also carry out transmission transactions (such as deposit and withdrawal of money from homes and banks) via the network and remotely. The fourth figure shows that the electronic wallet device 101 realizes remote electronic money transmission through a communication module 1 16 (which is a telephone with communication capability and connection capability with the electronic wallet device) and the public telephone network. Purpose. The fifth figure shows a block diagram of the use of an electronic wallet device and a public telephone network for remote electronic money transmission. Proximity electronic wallet device 1 0 1 9 This paper size applies to China National Standard (CNS) A4 (210 X 297 mm). '_ ~ | (^ ------------- pack- ----.-- Order --------- line (please read the precautions on the back before filling this page) Α7 Β7 Member of Intellectual Property Bureau of the Ministry of Economic Affairs and Consumer Cooperation Du printed 5. Invention Description ( ) Have external card 1 1 5 or internal card 丨 丨 〇, connect to communication module u 6 through communication interface 1 1 2 (first A picture) of electronic wallet device ii, and then communicate with remote terminal via public network 117 The communication module n6A and the external card 11 5A or internal card 1 10A of the remote electronic wallet device 10A are used for electronic money transmission. The public network n 7 in this embodiment is an analog display service interface (A na 1 〇g D isp 1 ay Service I η 1; erface (ADSI), as for other networks can also achieve the purpose of remote electronic money transmission. The analog display service interface will be briefly introduced below. Figure 6A shows between Customer Premises Equipment (CPE) 22 and Stored Program Contro ned System (SPCS) 2 4 Analogical display of service interface (Ana 1 0g j) is sp 1 ay Service interface (ADSI) 20 system block diagram, in which the user front-end device (CPE) 2 2 is Pei Placed and used in the user terminal 26 or in the telephone. Analog Display Service Interface (ADSI) 20 provides two-way data communication between the user front-end device (CPE) 22 and the switching system 'such as stored program control system (spcs) 24 server to achieve a voice-grade public switched telephone network Purpose of transmitting data on the PSTN. In addition, the incoming call message (cal ler ID) can also be transmitted in the system of Fig. 6a. Analog Display Service Interface (ADS I) 2 protocol provides two-way data transmission function 'allows user 26 to use the user's front-end device (CPE) 22 This paper cap national standard (CNS) A4 specification (Q χ tear public) /- -f I «Μ. — * Install -----_--- Order --------- line (please read the precautions on the back before filling this page) A7 B7 V. Description of the invention () Printed by the Consumer Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs to use screen display messages and call management functions. This protocol uses dual tone multi-frequency (DTMF) and the modulation signal form of the physical layer protocol (such as frequency shift keying (FSK) modulation) to transmit messages and data. For example, the Stored Program Control System (Spcs) 24 server sends an audio and CPE Alerting Signal (CAS) in the form of Frequency Shift Keying (FSK) to activate the CPE 2 2 and start receiving data; then, the user front-end device (CPE) 22 sends a reply signal of dual-tone multi-frequency (DTMF) to the server 24. The user 26 is usually activated by a telephone to initialize the user front-end device (CPE) 2 2 and dial the server 24 to obtain its service; that is, the user front-end device (CPE) 22 is used as Agent on user side 26. Figure 6B shows the frequency combination of the two-tone complex frequency. For example, the number 5 is composed of two signals, Hertz and 1336. The Analog Display Service Interface (ADS I) 20 protocol includes three communication layers, namely a physical layer, a datalink layer, and a message layer. The first thing is the bit layer data transmission between the controller 2 4 modulator and the user 2 6 modulator, and also defines the dual tone complex of the analog display service interface (ADS I) 2 0 Electrical characteristics of frequency (DTMF), frequency shift keying (FSK) signals. The second data link layer connects and releases the path between the server 24 and the user front-end device (CPE) 22, and detects and corrects transmission errors to provide a highly reliable transmission path. Figure 6C shows the information of this layer 14 ---- " -------- installation-(Please read the precautions on the back before filling this page) --θ. LINE_ This paper size applies China National Standard (CNS) A4 Specification (210 X 297 Public Love) Printed by the Consumer Property Cooperative of the Intellectual Property Bureau of the Ministry of Economic Affairs A7 _B7_ V. Description of the Invention () Box format, in which a preamble 30 is used to inform the user of the front end The device (CPE) 2 2 will have a signal coming; the message type 3 2 indicates the type of the message; the content of the message length 3 4 indicates the total number of the third-level data 3 8; and the check code 3 9 is used as the user's front-end device (CPE) 2 2 is used to detect transmission errors. The third message (me s s a g e) layer contains negative characters, data codes, and the manner in which they are displayed on the user front-end device (CPE) 22. Figure 6D shows the format of the message packet. For each parameter, it contains at least: parameter type, parameter length, and data. The sixth E diagram shows the general analog display service interface (AD DS) server control flow. First, the user starts the server service with a dial code of 50, and the server sends a 1-audio CPE Alerting Signal (CAS) 52 to the user end. After the user 4 recognizes this signal, the user's front-end device (CPE) 2 2 suppresses the telephone microphone and sends a reply signal 54 of the dual-tone multi-frequency DTMF A. After receiving this signal, the server sends the first message 5 6. After receiving this message, the user responds with a reply signal 58 of DTMF D1 with dual tone multi-frequency. According to this principle, the message is transmitted until the last (three in this embodiment) message and its DTMF D3 reply signal 5 9. It is worth noting that the server does not need to wait for a reply from the user before sending the next message, so it can speed up the transmission. This paper size applies to China National Standard (CNS) A4 specification (210 X 297 mm) --Γ --- ^ -------- installation ----- 1 --- order ----- ---- Line (Please read the notes on the back before filling this page) Printed by A7 ___B7 of the Consumer Cooperatives of the Intellectual Property Bureau of the Ministry of Economic Affairs 5. Description of the invention () Figure 7 shows the data flow diagram of the remote transmission example, and Please also cooperate with the transmission flowchart in Figure 8. First, input the transfer amount data (step 801) and other transfer preparations and settings from the payer electronic money package 600. Next, the payer communication module 600 issues a dual tone multi-frequency (DTMF) request. The payee communication module 600 A opens the data channel (d a t a p a t h) (step 802). The payee sends another dual-tone multi-frequency (DTMF) based on the dual-tone multi-frequency (DTMF) and opens the data channel (step 803). When the payer receives this dual tone multi-frequency (DTMF), it also opens the data channel (step 804), thus connecting the communication channel between the two. After the connection of the communication channel is completed, a command (command 1) is first issued from the payment device 6 0 to the electronic money card (which can be an internal card or an external card) 6 0 2 (step 8 0 5), And the electronic money card 6 0 2 returns an answer (Answer 1) (step 8 0 6). Then, the payment-side communication module 600 sends data to the receiver 600 A (step 807). The receiving device 6 0 A sends a command (command 2) to the electronic money card (which can be an internal card or an external card) 602A at the receiving side (step 808), and the electronic money card 602A returns a response (answer 2) (Step 8 0 9). The receiving end communication module 6 0 A sends a data to the payer 6 0 0. If the transfer has not been completed (step 8 1 2), repeat steps 8 0 5 to 8 1 0. If any communication error occurs during transmission, the transmission is discarded through step 8 1 1. If the transmission is completed or there is an error, the paper size applies the Chinese National Standard (CNS) A4 specification (210 X 297 mm) --r ---_-------- installation ----- .. I --- Order --------- line (please read the notes on the back before filling in this page) A7 B7_ V. Description of the invention () If the payment is made, the payer will send a "Stop" signal to 6 0 0 The payee is 6 〇 〇 A (step 8 16), and the communication between the two is changed from the original data mode to the sound mode (step 8 1 7). If the above data transmission is successful (determined by step 8 1 3) ', then the LCD will display the error message of the successful transmission to the user (step 8 1 4); otherwise, it will display the transmission failure message to the user. (Step 8 1 5). After the transmission of the entire electronic money transaction is completed, the devices of the two parties 6 0 0 and 6 0 A will use the LCD display 10 7 to notify the user to understand the transmission situation and the balance. If necessary, you can also use the communication modules 6 0 0 and 6 〇 A and the voice channel to communicate with each other. The above are merely preferred embodiments of the present invention, and are not intended to limit the scope of patent application for the present invention; all other equivalent changes or modifications made without departing from the spirit disclosed by the present invention shall be included in the following Within the scope of patent application. For example, the device 101 of the present invention can also be used to transfer electronic materials other than electronic money. Furthermore, the device 101 of the present invention can be manufactured in some portable electronic devices or computers, such as a personal digital assistant (PDA) or a handheld personal computer (HPC). In addition, the above-mentioned internal or external card is not necessarily a Mondex card, and other standard cards are also applicable to the present invention. i J .--- ^ -------- installation -----.--- order --------- line (please read the precautions on the back before filling this page) economy Printed by the Ministry of Intellectual Property Bureau's Consumer Cooperatives 14 This paper size applies to China National Standard (CNS) A4 (210 X 297 mm)