經濟部中央標準局員工消費合作社印製 403883 A7 B7 五、發明説明（1 ) 本發明係有關於一種有關納有記憶體的電子交易卡 之口袋型價值終端機，通常被習知為智慧卡或晶片卡；及 有關的手持裝置。 這些卡由塑膠材料做成之薄長方形段（典型上為 85. 6mm X 53. 9 8mm X 0.'7 6mm)組成，其中埋入有一積體電 路，其包含複雜記憶體與邏輯電路，此依據备種ISO標準 操作，並促成使用者與服務提供者進行商業交易。這些積 體電路此後被稱之為「晶片」。 各種技術被用於與智慧卡雙向通信，二種此方法被習 知為「接觸性」與「非接觸性」。 接觸晶片在被黏於該晶片之卡片表面被供應有接觸 墊片。此是在經由對這些接觸墊片之實質電氣接連而完成 通信。相反的，對非接觸卡晶片之通信係經由由外部讀取 機發射的信號在遠端（典型上為6至10公分的距離）被達 成》信號係經由埋在晶片卡週圍內並連接於該晶片之多層 線圈形式的調諧薄線狀天線被接收》 本發明可被應用於運用前述之技術的任何數目之晶 片卡與其他有關的手持裝置。這類的卡片可包含許多用 途，典型的用途包括：金融交易卡、運輸、電信、停車表 與身份卡之類所用的儲值卡。這類卡片被各別地準備及使 用，而一般來說就每一功能包含分離的卡片。 多重晶片需求可藉由發展將各種各別晶片功能特性 組合成一單一微處理器晶片之組合晶片而達成。此一組合 導致針對各種功能之管理通訊協定的額外困難性，且在某 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） 1· In In· In Hr— 1^1 n (請先聞讀背面之注意事項再填寫本頁) •71-I訂------C J----^--：------- 經濟部中央標準局員工消費合作社印製 403883 五、發明説明（2 ) 些情形會大幅増加成本。就大量生產而言，此亦或涉及可 觀的設計費用，因每一組合形式會需有特別設計的晶片。 再之，由於該等各別技術未證實的接受水準，許多服 務提供者不願冒險將其成功的技術與其他未證實之技術 組合。這在運輸與金融部門目前的整合努力中特別明顯。 業界觀察者期待就服務提供者使用分離晶片卡移入 成為最後可能為單一組合晶片卡的解決之道將需有經由 數個階段的發展。典型而言，這些階段會是：各別的卡片 含有一專用晶片、至一單一卡片含有二分離的晶片、至最 後一單一組合晶片組合二者技術特點。. 本發明提出對一機構之需求，以促成服務提供者在由 獨立卡至可能的組合卡之發展階段之際整合其技術。 藉由提供二者技術獨立及服務提供者會安心之共同 介面下，有關其服務整合之長期財務、法律、作業及技術 考慮可被追求。 針對典型的商業課題，如卡片所有權、所有入對儲存 資料就任何單一用途所有之權利、以及誰有責任建立資料 結構與保全機制需求評估，這些以及共用所有權之經濟利 Γ 益可在涉入於組合晶片架構前被小心地考量》 當今在日常使用中存有各種手持裝置，這些形式包括 有中央微處理器、行動電話、計算機、電子錢包、記事本、 卡片價值讀取機之類。這些裝置典型上納入之特點有顯 示、輸入介面、印刷電路板與處理器。本發明有關之卡片 與所配之手持裝置可視為具有其各別的通信、記億體與處 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） • n : In In- m·^ 一二"- (請先閲讀背面之注意事項再填寫本頁) -HI m In m ml »— ^ ^ i 1^1 In ^^^1 ί .-°. J , 『 —-4θθΜβ----—— 五、杳明説明（3 ) 理特點被集中於安裝在塑膠卡片抑或印刷電路板上之電子 模組中。 在任何事件廣泛而言，有關本發明之每一該等晶片卡 可將晶片的封囊與其他元件視為簡易地適用。此封囊確保 該晶片與其元件之整體性，並使這類晶片卡可用手動處 置，及在適當時可電氣式地「插入」一設施或用品或簡單 地被置於一槽內使用，例如插入提款機槽之金融交易裝 置。 某些晶片卡以使用所謂的「非接觸技術」被遠端地感 應、訊問及監測。已有非接觸晶片卡例如被用於鐵路車站 入口、道路收費與電子駕照，其卡片僅是由持用人或安裝 於車輛上以一段距離被「提示」，並自動地與靜止的讀取 機或監測器通信。 經濟部中央橾準局員工消費合作社印製 (請先閲讀背面之注意事項再填寫本頁) 本發明亦具有與呼叫器、行動電話、計算機、電子錢 包、記事本、與卡片價值讀取機之類的用途，並可應用於 載有一片以上晶片的電路板與其他可應用的電氣元件。就 界定本發明之實施例的目的而言，任何可應用的晶片卡與 所配的手持裝置將被稱之為「可放在口袋之通信裝置」以 表不其尺寸、格式與功能。 依據本發明，其被提供二個以上之不同分離的可放在 口袋之通信裝置的組合，每一個具有個別微處理器晶片用 以執行其分離的功能，其中該等裝置被配置成實體上彼此 相配，且該等裝置之一為非接觸晶片卡。 每一裝置可具有一分離的晶片與一單一托座或小袋 本紙張尺度適用中國國家標準（CNS ) A4規格（210 X 297公釐） 經濟部中央標準局員工消費合作社印製 403883 Λ、發明説明（4 ) 被提供來承載該等晶片成實體上裤此相配而靠近。 每一裝置可包含一塑膠材料做成之支撐卡與一罩殼 以承裝及載有實體上彼此靠近的一片以上之卡片。 在某些裝置中，該非接觸晶片卡可如其他裝置的其他 或其中之一被形成及承載在相同塑膠卡片上。 非接觸裝置用之天線可由印刷在其他裝置之塑膠卡 上或其中之一的導體所形成。 該等裝置之一可包含一手動操作之被該終端機併有 —獨立的微電腦。該微電腦的功能之一係與一個以上的可 放在口袋之通信裝置直接通信，或在該等裝置在通信之際 g實體上置於靠近該微電腦時促成二假以上這些裝置間 的通信。 該口袋型價值終端機可被配置成含有一機構，用於將 至少二晶片卡承裝及扣在定位。該口袋價值終端機較佳地 包括一設施在至少一晶片卡與該微電腦間與（或）對其通 信，而在情形中，該接觸晶片卡在通信過程之際以露出的 接點被電氣式地連接至該口袋型價值終端機。 該口袋型價值終端機亦較佳地具有多銷連接可連接 於其他用品。 該罩殼可包含一小袋被配置來裝該口袋型價值終端 機。 在組合中，該等裝置之一較佳地包含一普遍被使用之 電氣裝置其適合裝在使用之口袋內。 該等裝置之一較佳地含有一中央處理器卡。該中央處 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閲讀背面之注意事項再填寫本頁)Printed by the Consumers' Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs 403883 A7 B7 V. Description of the Invention (1) The invention relates to a pocket-type value terminal related to an electronic transaction card containing a memory, which is usually known as a smart card or Chip cards; and related handheld devices. These cards consist of a thin rectangular section (typically 85.6mm X 53. 9 8mm X 0.'7 6mm) made of plastic material, which is embedded with an integrated circuit that contains complex memory and logic circuits. Operate in accordance with ISO standards and facilitate business transactions between users and service providers. These integrated circuits are hereinafter referred to as "chips". Various technologies are used for two-way communication with smart cards. Two such methods are known as "contact" and "non-contact". The contact wafer is supplied with contact pads on the surface of the card to which the wafer is adhered. This is done through the substantial electrical connection of these contact pads. In contrast, the communication to the contactless card chip is achieved at the far end (typically a distance of 6 to 10 cm) via a signal transmitted by an external reader. The signal is embedded in the periphery of the chip card and connected to the card. Tuned thin wire antennas in the form of multi-layer coils of chips are received. The present invention can be applied to any number of chip cards and other related handheld devices using the aforementioned techniques. These cards can be used for many purposes. Typical uses include stored-value cards such as financial transaction cards, transportation, telecommunications, parking meters, and identity cards. These cards are prepared and used individually, and generally each function contains a separate card. Multiple chip requirements can be achieved by developing a combination chip that combines various individual chip functionalities into a single microprocessor chip. This combination leads to additional difficulties in managing communication protocols for various functions, and to apply the Chinese National Standard (CNS) A4 specification (210X297 mm) to a paper size 1 · In In · In Hr— 1 ^ 1 n (Please First read the notes on the back and then fill out this page) • Order 71-I -------- C J ---- ^-: --------- Printed by the Consumer Cooperatives of the Central Standards Bureau of the Ministry of Economic Affairs 403883 V. Description of the invention (2) In some cases, the cost will be greatly increased. For mass production, this may also involve considerable design costs, as each combination will require a specially designed chip. Furthermore, due to the unproven acceptance levels of these individual technologies, many service providers are reluctant to risk combining their successful technologies with other unproven technologies. This is particularly evident in the current integration efforts of the transport and financial sectors. Industry observers expect that the migration of service providers using discrete chip cards into a solution that may eventually be a single combined chip card will require several stages of development. Typically, these stages will be the technical characteristics of each card containing a dedicated chip, to a single card containing two separate chips, and finally to a single combined chip combination. The present invention addresses the need for an organization to enable service providers to integrate their technology at the stage of development from independent cards to possible combo cards. Long-term financial, legal, operational, and technical considerations regarding the integration of its services can be pursued by providing a common interface of technology independence and service providers' peace of mind. For typical business issues, such as card ownership, all rights to all stored data for any single purpose, and who has the responsibility to establish a data structure and security mechanism needs assessment, these and the economic benefits of shared ownership can be involved in Careful consideration before combining the chip architecture "Today, there are various handheld devices in daily use. These forms include central microprocessors, mobile phones, computers, electronic wallets, notepads, card value readers and the like. These devices typically include display, input interfaces, printed circuit boards, and processors. The card and the hand-held device associated with the present invention can be regarded as having their respective communication, memory, and paper sizes. The Chinese National Standard (CNS) A4 specification (210X297 mm) is applicable. • n: In In-m · ^ 一二 "-(Please read the precautions on the back before filling this page) -HI m In m ml »— ^ ^ i 1 ^ 1 In ^^^ 1 ί .- °. J,『 —-4θθΜβ- ------- V. Mingming Explanation (3) The physical characteristics are concentrated in the electronic module installed on the plastic card or printed circuit board. In any event, each such chip card in connection with the present invention may consider the encapsulation and other components of the wafer as simply applicable. The capsule ensures the integrity of the chip and its components, and enables such chip cards to be handled manually and, where appropriate, can be electrically "plugged in" to a facility or supply or simply placed in a slot for use, such as insertion A financial transaction device for a cash dispenser. Some chip cards are remotely sensed, interrogated and monitored using so-called "contactless technology". Existing contactless chip cards are used, for example, at railway station entrances, road tolls, and electronic driver's licenses. The cards are only “reminded” by the holder or mounted on the vehicle at a distance, and are automatically linked to a stationary reader or Monitor communication. Printed by the Consumer Cooperatives of the Central Bureau of Standards, Ministry of Economic Affairs (please read the precautions on the back before filling this page) The present invention also has It can be used for circuit boards carrying more than one chip and other applicable electrical components. For the purpose of defining embodiments of the present invention, any applicable chip card and associated handheld device will be referred to as a "pocketable communication device" to denote its size, format, and function. According to the present invention, it is provided with a combination of two or more separate, pocketable communication devices, each having an individual microprocessor chip to perform its separate functions, wherein the devices are configured to physically interact with each other Yes, and one of these devices is a contactless chip card. Each device can have a separate chip and a single holder or pouch. The paper size is applicable to China National Standard (CNS) A4 (210 X 297 mm). Printed by the Consumer Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs. (4) It is provided to carry the wafers into a physical pair of pants which are close to each other. Each device may include a support card made of plastic material and a cover to hold and carry more than one card physically close to each other. In some devices, the non-contact chip card may be formed and carried on the same plastic card as the other or one of the other devices. Antennas for contactless devices can be formed by conductors printed on or on one of the plastic cards of other devices. One of these devices may include a manually operated terminal and an independent microcomputer. One of the functions of the microcomputer is to communicate directly with more than one communication device that can be placed in a pocket, or to facilitate communication between two or more of these devices when the devices are physically placed near the microcomputer during communication. The pocket-type value terminal may be configured to include a mechanism for receiving and holding at least two chip cards in place. The pocket value terminal preferably includes a facility to communicate with (or) between at least one chip card and the microcomputer, and in the case, the contact chip card is electrically connected with exposed contacts during the communication process. Ground to this pocket value terminal. The pocket value terminal also preferably has a multi-pin connection for connection to other supplies. The enclosure may contain a pouch configured to house the pocket-type value terminal. In the combination, one of the devices preferably comprises a commonly used electrical device which is adapted to fit in a pocket for use. One of the devices preferably contains a central processing unit card. The central size of this paper applies to Chinese National Standard (CNS) A4 (210X297 mm) (Please read the precautions on the back before filling this page)
經濟部中央標準局員工消費合作社印製 A7 B7 --:——403383 - 五、發明説明（5 ) 理器卡可被提供有設施用以與實體上被置於與該中央微處 理器卡相鄰之另一卡的晶片在通信之際直接地通信。 一裝置可被配置成含有該中央微處理器，並具有一機 構用以於定位承裝及托住具有類似晶片的其他卡片。 一晶片卡價值讀取機可被提供及配置，以在實體上被 置於該裝置內時顯示駐於一晶片卡之記憶體的價值。 一托座或小袋可被配置，以在實體上被置於與該中央 處理器相鄰的各種其他卡片間控制及傳送價值，或被配置 成在該中央處理器內之共同存取區內。 現在本發明之實施例將以舉例之方式參照所附之示 意圖被描述，其中： 第1圖為一口袋型價值終端機之等尺寸上方圖； 第2圖顯示用於本裝置且形成一組合中央處理器與非 接觸晶片之印刷電路板的等尺寸上方圖； 第3圖顯示用於本裝置之印刷電路板的等尺寸頂部 圖； 第4圖顯示該終端機之等尺寸底部圖； 第5圖顯示一 IS0781 6型接觸晶片卡的等尺寸底部 .圖； 第6圖顯示一 Mini或SIM型接觸晶片卡的等尺寸上方 圖； 第7圖為該終端機之卡入式電池匣； 第8a與8b圖為被連接於行動電話手機之口袋型價值 終端機； —8 <： 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閲讀背面之注意事項再填寫本頁) 、裝· 訂Printed by the Consumer Standards Cooperative of the Central Bureau of Standards of the Ministry of Economic Affairs A7 B7-:-403383-V. Description of the Invention (5) The processor card can be provided with facilities to be physically connected to the central microprocessor card. The chip of the other card directly communicates during the communication. A device may be configured to contain the central microprocessor and have a mechanism for positioning and holding other cards with similar chips. A chip card value reader may be provided and configured to display the value of memory residing on a chip card when physically placed in the device. A cradle or pouch may be configured to be physically placed in a control and transfer value between various other cards adjacent to the central processing unit, or in a common access area within the central processing unit. The embodiment of the present invention will now be described by way of example with reference to the attached schematic diagram, wherein: FIG. 1 is a top view of an equal size of a pocket-type value terminal; FIG. 2 shows a device used in the device and forming a combined center Top view of the same size of the printed circuit board of the processor and the non-contact wafer; Figure 3 shows the top view of the same size of the printed circuit board used in this device; Figure 4 shows the bottom view of the same size of the terminal; Figure 5 Shows the same-size bottom of an IS0781 6-type contact chip card. Figure 6 shows the same-size top view of a Mini or SIM-type contact chip card; Figure 7 shows the terminal's snap-in battery box; Figure 8a and Picture 8b is a pocket-type value terminal connected to a mobile phone handset; —8 <: This paper size applies to China National Standard (CNS) A4 specification (210X297 mm) (Please read the precautions on the back before filling this page ), Binding
C 經濟部中央標準局員工消費合作社印製 A7 . —^i03M3 -----——— 五、發明説明（6 ) 第9圖為被連接於PSTN電話與數據機.之口袋型價值終 端機；以及 第10圖為被連接於個人電腦之口袋型價值終端機。 參照這些圖，該終端機被提供於一薄片形可放在口袋 之盒子1 0內，具有大約等於一般信用卡之面積，且被提 供有一液晶顯示器Π與一鍵盤12。一多銷連接器14,被 安裝在盒子10之一端部，促成該終端機被電氣式地連接 於一扁平電池匣15，其被安裝於形成一方便支撐或安裝 盒子10之容器16內。另一多銷連接器25被安裝於盒子10 之另一端部。盒子10亦可連接於各種用品，例如行動電 話或個人電腦。在後者之情形中，盒子10將連接於相容 的電腦槽內，較佳的是以一般方式接於個人電腦之68銷 PCMCIA 槽或 RS232 槽。 在第3圖中，印刷電路板與一 ISO型接觸晶片連接器 13及一第二Mini或SIM型接觸晶片連接器18被安裝，其 內可被插入Mini或SIM接觸晶片卡19。 被安裝於印刷電路板1 7之終端機的一微電腦24促成 與被插入接觸晶片連接器18及13之接觸晶片卡19及22 的直接通信》在使用中，晶片卡19與22以程式被設計成 依據習知的Mondex(註冊商標）或其他類似的晶片卡系統 以完全保安的方式與該終端機通信。 依照本發明，一非接觸晶片電路被提供且包含分離的 非接觸晶片2 0與天線2 1，分別形成及安裝在印刷電路板 17上。晶片20完全與微電腦24分離且獨立’且天線21 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閲讀背面之注意事項再填寫本頁)C Printed by A7, Consumer Cooperative of the Central Bureau of Standards of the Ministry of Economic Affairs. — ^ I03M3 -----———— V. Description of Invention (6) Figure 9 shows a pocket-type value terminal connected to PSTN telephone and modem. And Figure 10 shows a pocket-type value terminal connected to a personal computer. Referring to these figures, the terminal is provided in a sheet-shaped pocket 10 that has an area approximately equal to that of a general credit card, and is provided with a liquid crystal display UI and a keyboard 12. A multi-pin connector 14 is mounted at one end of the box 10, causing the terminal to be electrically connected to a flat battery case 15 which is mounted in a container 16 forming a convenient support or mounting box 10. The other multi-pin connector 25 is mounted on the other end of the box 10. The box 10 may also be connected to various supplies such as a mobile phone or a personal computer. In the latter case, the box 10 will be connected to a compatible computer slot, preferably a 68-pin PCMCIA slot or RS232 slot connected to a personal computer in a general manner. In FIG. 3, the printed circuit board is mounted with an ISO-type contact chip connector 13 and a second Mini or SIM type contact chip connector 18, and a Mini or SIM contact chip card 19 can be inserted therein. A microcomputer 24 mounted on a terminal of the printed circuit board 17 facilitates direct communication with the contact chip cards 19 and 22 inserted into the contact chip connectors 18 and 13 "In use, the chip cards 19 and 22 are programmed It communicates with the terminal in a completely secure manner based on the conventional Mondex (registered trademark) or other similar chip card system. According to the present invention, a non-contact chip circuit is provided and includes separate non-contact chip 20 and antenna 21, which are formed and mounted on a printed circuit board 17, respectively. The chip 20 is completely separated and independent from the microcomputer 24 ’and the antenna 21 This paper size applies to the Chinese National Standard (CNS) A4 specification (210X297 mm) (Please read the precautions on the back before filling this page)
經濟部中央標準局員工消費合作社印製 A7 403883 _b7_ 五、發明説明（Ο 亦與微電腦24電氣式地隔離。實際上，就維持整體變動之 方便性而言，非接觸晶片卡在微電腦24及其元件已被添 加到塑膠板前，在分離的製造或組裝作業中被形成會較 佳。然而，例如以樹脂之封囊應在微電腦24與非接觸晶 片2 0已被安裝於栢同印刷電路板後進行。 在第5圖中，一第二接觸晶片22被顯示。當卡片22 被插入盒子10後方與電池匣15間時，接觸晶片卡22配適 於定位，而與接觸晶片連接器13相對。依據Mondex系統， 第二卡22可屬於另一人，且此配置經由接觸晶片卡19及 22與微電腦24間的分離通信鏈路，依照在該終端機鍵盤 12所手動啟動之指示，促成該等卡片間現金價值之傳送》 在此方式下，典型上用於財貨與勞務之現金可在二人間傳 送。就如稍早提及者，在二晶片卡間允許現金價值之安全 傳送的這些配置已被習知為如此。 就本發明之實施例而言，所描述之配置代表一典型 例，此處該非接觸晶片卡被用於例如購買鐵路行程或無須 用票的飛行之訂位。此所描述之裝置的使用者可使用接觸 晶片卡進行交易，例如在提款機取款，或傳送金錢至其他 類似的卡片持用人，這些價值或資料亦可藉由如第8a與 8b圖顯示地將該口袋型價值終端機連接於行動電話而生 效，促成插入於口袋型價值終端機之接觸晶片卡與必須在 數位分區劃分網路上於遠端完成之財務指示間的傳送》 典型的分區劃分網路系統為使用Short Message Service之全球行動電信系統（GSM)，且Over The Air資 —ίο — , 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） (請先閲讀背面之注意事項再填寫本頁) 訂 403883_ B7 __ 五、發明説明（8 ) 料可能在GSM標準之相位2 +下傳送。 使用者亦可經由終端機之顯示器取得儲存於該接觸 晶片上所剩餘的價值或最近交易資料之有關資訊》此外， 在非接觸模態中，一持用人亦可取得儲存於該非接觸晶片 上所剩餘的價值或最近交易資料之有關資訊，或者可在不 須有慣用之機票登機，或進出鐵路車站。該非接觸晶片特 點亦可被設計於例如用於身份卡以便進入一「保全」辦公 室。 此外，當使用者以接觸卡或非接觸卡特點進行交易時 可累計忠誠積分，其以該終端機之接觸卡或非接觸特點對 其購買之價值具有預設的關係。 這些積分可被相關的服務提供者轉換成一種價值格 式，其可被儲存在微電腦之公用分割，此可由接觸卡服務 提供者與非接觸卡服務提供者存取，且被該等服務提供者 就其本身與（或）與使用者間的配銷加以聯合地或各自地 使用。 經濟部中央標準局員工消費合作社印製 (請先閎讀背面之注意事項再填寫本頁) 在所描述的實施例之非接觸裝置被形成於相同塑膠 板上，其支撐該終端機之電子元件。在其他應用中，該非 接觸裝置可被形成於與支援呼叫器、行動電話、計算機、 卡片價值讀取機、電子錢包或記事本、電子元件之相同印 刷電路板上》另一方面，該非接觸裝置可可如上面方式亦 分離的而為十分隔開，且與其他「通信」裝置之晶片板鄰 近簡易地被使用或定置，這些裝置包括與如晶片卡19及 22通信之終端機（如所描述者）。 —11 — 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） 403883 β77 五、發明説明（9 ) 在任何事件中，其將被瞭解到，在本發明之實施例中， 其將被瞭解到，在本發明之實施例中該非接觸功能是「外 加」到如口袋型價值終端機之通信裝置的。提供這種配置 至少有三個好處。首先，由於該接觸晶片或非接觸晶片每 一個均為習知及可一般取得的，其不須再設計或在技術上 證明。其次，多種不同種類之非接觸晶片卡可被選擇並添 加至各式接觸晶片卡中之一。第三，由於非接觸操作沒有 電池之需求，一般而言該非接觸功能可鄰接著呼叫器、行 動電話、計算機、卡片價值讀取機、電子錢包或記事本、 或其他電子元件之標準印刷電路板被提供。如此，該呼叫 器等等可就其正常功能被使用且亦可使用被納入或被添 加之非接觸晶片卡特點而取得對鐵路車站之進入。 將晶片功能維持於分離的進一步好處在於其可維持 各別服務提供者與（或）使用者間的私密性與安全性。 經濟部中央標準局員工消費合作社印製 .(請先閲讀背面之注意事項再填寫本頁) 其將被注意到所述裝置之使用者或持用人可使用微 電腦24被告知在他的晶片卡上所剩餘的價值狀態，並具 有設施可私自取得有關其卡片的最近交易資料。目前用於 存取此資訊的設施一般係位於服務提供者處，且在很多情 形下這種資訊並不容易取得》 有關前述的指示均可藉由該口袋型價值終端機之顯 示器與鍵盤輸入特點的組合後使用而被實施。 其他根據口袋型價值終端機的變化可被提供以強化 其全面的有用性。該口袋型價值終端機可經由二個提供於 該終端機的多銷連接器其中任一被連接於一資訊系統，用 —12 — 本紙張尺度適用中國國家標準（CNS ) A4規格（210X 297公釐） 403883 _Βτ___ 五、發明説明（i〇) 於傳送資料與（或）價值。在一配置中，該口袋型價丨直終端 機可經由64銷PCMIA連接器14被連接於資訊系統。該資 訊系統可被存取的用具為諸如個人電腦、個人數位助理 器、或任何含有與該終端機68銷PCMIA連接器及所配唯一 連接器對準剖面相容之連接槽的其他裝置。 或者，該資訊系統可利用電話網路被存取。為達成此 點，該終端機經由一電話手機被連接至電話網路，其可為 一行動電話或為此目的特別設計之手機》最新的行動電話 配備有資料傳送連接槽，該口袋型價值終端機在使用中如 第8a圖地被置於該終端機周邊之第二多銷連接器25而被 連接於此，其資料傳送係藉由被行動電話手機製造商所提 供的適當軟體驅動器整合至該口袋型價值終端機內所促 成，其與該行動電話手機之通信協定為相容的。 或者，該口袋型價值終端機可經由該68銷PCMCIA連 . . 接器14被連接至行動數位電話，其如顯示於第8b圖地與 位於該行動電話手機的底座或側邊的PCMCIA相容槽出 現。 經濟部中央標準局員工消費合作社印製 (請先閲讀背面之注意事項再填寫本頁) 類似結構在連接於如第9圖展示之納有設計來傳送資 料之數據機的公共交換電話網路（PSTN)之電話手機為可 . 能的》 在任何這些資料傳送配置中，該口袋型價值終端機就 計算能力貢獻顯著之提升，此在晶片卡的獨立狀態中是不 可得的。此提升後之計算能力促成該口袋型價值終端機藉 由執行如保全措施之實施，典型上為需有大計算設施之全 —13 — 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） 經濟部中央標準局員工消費合作社印製 403883 at B7 五、發明説明（1” 非對稱加密碼的功能性工作負荷，而作用成為較簡單之晶 片卡的「智慧」伙伴· 進一步的考量為該口袋型價值終端機需具有足夠大 的電源。此由可充電的大容量之插入式電力匣達成，其如 第7圖顯示者為不會對該終端機之重量或體積有重大歸因 之格式，而對於該口袋型價值終端機之連接則係經由該68 銷連接器14。 此外，該口袋型價值終端機在此種資料傳送構造下維 持在前述實施例中可得的特點，即能同時容納數片晶片 卡，且能對被插入之晶片卡與資訊系統間通信。此可形成 之結果為經由通信系統之價值傳送，典型上為在晶片卡與 金融機構間。駐於晶片卡上的剩餘價值可在該卡片由該口 袋型價值終端機被取下前，由該終端機之顯示器被讀取， 然後該卡片以正常的交易方式被使用。 在進一步的實施例中，該口袋型價值終端機被用於可 連接於互動市場或類似虛擬網路的通信系統中》此可經由 前述的傳輸系統，或藉由大量市場裝置為此互動媒體所特 別設計者。這類裝置包括TV機頂盒與網際網路連接裝置》 藉由將該口袋型價值終端機連接於這些裝置，如觀賞電影 或特殊地用電視收看的體育節目之小額付款可因這些服 務由被插入之晶片卡同時地傳送。其亦可能使用該口袋型 價值終端機在網際網路上就可由媒體能或將能購得的眾 多財貨或勞務加以付款。典型而言，經由這些網路的付款 大多數為「微小付款」，係為價值小，而慣用信用卡因有 —14 — 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） (請先閲讀背面之注意事項再填寫本育) 、裝· ir_ 403883 _^__ 五、發明説明（12 ) _ 關交易責任的相當高成本而不能以之經濟地交易。 有關前述所有與通信系統的連接之指示可藉由該口 袋型價值終端機或電腦終端機、電話或其他接裝置之顯示 器與鍵盤輸入特點的組合使用而被實施。 電腦與數位技術已打開需有保全及移轉之遠端付款 配置的新市場遠端付款需有高水準的安全性，以保證針對 偽造與詐欺之保護，對抗犯罪或電腦駭客，其會尋求對合 法當事人間之價值傳送加以攔截或轉出。很明確的是，在 經由虛擬網路之遠端付款的指數成長潛力下，改進安全性 之需求是絕對必要的。 在某些或大多數實施例中，其必須具有保全裝置。一 般而言，此對現金交易之大多數使用者是基本的需求。先 進的卡片系統使用與使用者個人身份有關的加密碼式防 護措施。個人辨識系統一般為三個參數，其係有關某些人 所習知的個人身份號碼（PIN)之類、某些人所具有之如名 牌或卡片之類、或如指紋或講話類型的個人之某些生化特 徵。 經濟部中央標準局員工消費合作社印製 (請先閲讀背面之注意事項再填寫本頁) 在本發明之一實施例中，具有如第7圖顯示之附裝插 入式電池匣的口袋型價值終端機被提供有根據卡片使用 者之指紋、聲音或其他這類資料的生物計量模板。此模板 在該卡片被使用前被用於比較由該使用者來之對應生物 計量資料的即時輸入。此生物計量比較的陽性結果創建對 該插入晶片卡價值段落之啟動的時基鏈結。在由該68銷 連接器去掉該插入式電力匣後，該口袋型價值終端機可被 —15 — 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） 403883 B7_ 五、發明説明（13 ) 插入在個人電腦內之相容連接槽，以完成在該指定期間內. 的價值傳送。 或者，具有附裝插入式電力匣的口袋型價值終端機可 經由多銷連接器25被連接於一相容的電話。生物計量之 核對如先前解釋般地可在被連接於該電腦網路時或獨立 於其時再被連接於該電話網路而被實施。 在所有情形中，除非該使用者已在核對處理中被接 受，且該使用者之晶片卡在該口袋型價值終端機被連接於 PC電腦或相容電話時被插入該口袋型價值終端槔，傳送是 為不可能的。由該口袋型價值終端機去掉該晶片卡將會中 斷該連接。 該生物計量核對與有關插入晶片卡之積體電路的唯 一辨識器一起之動作亦可被用於就該使用者在核對密碼 過程之際所選的交易期間產生一期間鍵。此期間鍵進一步 加強目前存在於某些晶片卡交易通訊協定的安全性。就毎 一新登記至該通信系統而言，一新的期間號碼被產生，且 僅就該使用者所決定的期間被產生。 經濟部中央標準局員工消費合作社印製 (請先閲讀背面之注意事項再填寫本頁) 此外，該記憶體可藉由儲存該口袋型價值終端機之外 加插入式裝置的任何顯現最小格式閃記憶體上的生物計 量模板就更多有關的生物計量被擴充。 其將被瞭解到，雖然某些非接觸裝置已以安裝在一板 上與以印刷電路或其他技術在該板上形成的天線被描 述，其他的非接觸配置可被使用。這類非接觸配置包括該 卡片一般係相當靠近一讀取機被提示時在鄰近傳導耦合 一 16 一 f 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公釐） A7 __403883 B7 ___ 五、發明説明（14 ) 之際被讀取的卡片。在所有情形中，該非接觸裝置係為未 實際上以電氣方式直接接觸該讀取機之任何裝置’且為如 在說書所描述般地為一分離的或可分離式操作的裝置。 元件標號對照表 元件編號 譯 名 元件編號 譯 名 10 可放在口袋之盒子 11 顯示器 12 鍵盤 13 iso型接觸晶片連接器 14 多銷連接器 15 _電池匣 16 容器 17 印刷電路板 18 Mini或SIM型接觸 晶片連接器 19 Mini或SIM接觸晶片卡 2 0 非接觸晶片 21 天線 經濟部中央標準局員工消費合作社印製 22 接觸晶片卡 24 微電腦 25 多銷連接器 —17 — 本紙張尺度適用中國國家標準（CNS ) A4規格（210X297公慶）Printed by the Consumer Standards Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs A7 403883 _b7_ 5. Description of the invention (0 is also electrically isolated from the microcomputer 24. In fact, in terms of the convenience of maintaining the overall change, the non-contact chip is stuck in the microcomputer 24 and its Before the components have been added to the plastic board, it is better to be formed in a separate manufacturing or assembly operation. However, for example, the encapsulation with resin should be after the microcomputer 24 and the non-contact chip 20 have been installed on the Pak Tong printed circuit board. In FIG. 5, a second contact chip 22 is shown. When the card 22 is inserted between the back of the case 10 and the battery case 15, the contact chip card 22 is suitable for positioning and is opposite to the contact chip connector 13. According to the Mondex system, the second card 22 can belong to another person, and this configuration facilitates these cards via a separate communication link between the contact chip cards 19 and 22 and the microcomputer 24, according to the instructions manually activated on the keyboard 12 of the terminal. Transfer of cash value between the two "In this way, cash typically used for goods and services can be transferred between two people. As mentioned earlier, the cash price is allowed between two chip cards These configurations for secure transmission have been known as such. For the purposes of the embodiments of the present invention, the described configuration represents a typical example where the contactless chip card is used, for example, to purchase a rail trip or flight without a ticket The user of the device described here can use the contact chip card for transactions, such as withdrawing money at a cash machine, or sending money to other similar cardholders. These values or information can also be obtained by using Figure 8b shows that the pocket value terminal is connected to a mobile phone and becomes effective, and facilitates the transmission of the contact chip card inserted in the pocket value terminal and the financial instructions that must be completed remotely on the digital partition network. The divisional network system is Global Mobile Telecommunications System (GSM) using Short Message Service, and the Over The Air information—ίο—, this paper size applies the Chinese National Standard (CNS) A4 specification (210X 297 mm) (please first Read the notes on the back and fill in this page) Order 403883_ B7 __ V. Description of the invention (8) The material may be transmitted under phase 2 + of the GSM standard. You can also obtain the remaining value stored on the contact chip or the relevant information of the latest transaction data through the display of the terminal. In addition, in the non-contact mode, a holder can also obtain the remaining information stored on the contact chip. Information about the value or recent transaction information, or boarding on a plane without a customary ticket, or entering or leaving a railway station. The contactless chip feature can also be designed, for example, to be used for an ID card to enter a "security" office. Loyalty points can be accumulated when users use the contact card or contactless card features for transactions, and the contact card or contactless features of the terminal have a preset relationship to the value of their purchases. These points can be used by related services The provider is converted into a value format, which can be stored in a common partition of the microcomputer, which can be accessed by the contact card service provider and the contactless card service provider, and by these service providers on their own and / or with Distribution among users is used jointly or separately. Printed by the Consumer Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs (please read the precautions on the back before filling this page) The non-contact device in the described embodiment is formed on the same plastic plate, which supports the electronic components of the terminal . In other applications, the contactless device may be formed on the same printed circuit board as a caller, mobile phone, computer, card value reader, electronic wallet or notepad, electronic component. On the other hand, the contactless device Cocoa is also separated and very separated as described above, and is easily used or positioned adjacent to the chip board of other "communications" devices, including terminals that communicate with, for example, chip cards 19 and 22 (as described) ). —11 — This paper size applies Chinese National Standard (CNS) A4 specification (210X297 mm) 403883 β77 V. Description of the invention (9) In any event, it will be understood that in the embodiment of the invention, it will It is understood that the non-contact function is "added" to a communication device such as a pocket-type value terminal in the embodiment of the present invention. There are at least three benefits to providing this configuration. First, since each of the contact or non-contact wafers is conventional and generally available, it does not need to be redesigned or technically proven. Secondly, a plurality of different types of contactless chip cards can be selected and added to one of the various types of contact chip cards. Third, since there is no need for batteries for contactless operation, in general, the contactless function can be adjacent to a standard printed circuit board of a pager, mobile phone, computer, card value reader, electronic wallet or notepad, or other electronic components Provided. In this way, the pager and the like can gain access to the railway station for their normal functions and also for the features of the contactless chip card incorporated or added. A further benefit of maintaining the chip functionality as separate is that it maintains the privacy and security between individual service providers and / or users. Printed by the Consumer Cooperative of the Central Bureau of Standards of the Ministry of Economic Affairs. (Please read the notes on the back before filling out this page) It will be noted that the user or holder of the device in question can be notified on his chip card using a microcomputer 24 The remaining value status, and the facility has private access to recent transaction information about its card. The current facilities for accessing this information are generally located at the service provider, and in many cases this information is not easy to obtain. "The aforementioned instructions can be entered through the display and keyboard of the pocket value terminal. The combination is used after being implemented. Other variations based on pocket value terminals can be provided to enhance their overall usefulness. The pocket value terminal can be connected to an information system through any of the two multi-pin connectors provided on the terminal. The paper size applies to the Chinese National Standard (CNS) A4 specification (210X 297 male). (Centi) 403883 _Βτ ___ V. Description of the Invention (i〇) In transmitting data and / or value. In one configuration, the pocket-type direct terminal can be connected to the information system via a 64-pin PCMIA connector 14. The information system can be accessed by devices such as personal computers, personal digital assistants, or any other device containing a connection slot compatible with the terminal's 68-pin PCMIA connector and the unique connector alignment profile. Alternatively, the information system can be accessed using a telephone network. In order to achieve this, the terminal is connected to the telephone network via a telephone handset, which can be a mobile phone or a mobile phone specially designed for this purpose. The latest mobile phone is equipped with a data transmission connection slot, the pocket value terminal In use, the device is connected to the second multi-pin connector 25 placed around the terminal as shown in Figure 8a, and its data transmission is integrated into the appropriate software driver provided by the mobile phone handset manufacturer. It is facilitated within the pocket value terminal that the communication protocol with the mobile phone handset is compatible. Alternatively, the pocket value terminal can be connected to the mobile digital telephone via the 68-pin PCMCIA connection. The connector 14 is compatible with the PCMCIA located on the base or side of the mobile phone handset as shown in Figure 8b The slot appears. Printed by the Consumer Standards Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs (please read the notes on the back before filling this page). A similar structure is connected to a public switched telephone network connected to a modem designed to transmit data as shown in Figure 9 ( PSTN) phones are possible. In any of these data transfer configurations, the pocket value terminal contributes a significant increase in computing power, which is not available in the independent state of the chip card. This improved computing capacity has facilitated the implementation of such pocket value terminals through the implementation of security measures, typically requiring a large computing facility — 13 — This paper size applies to the Chinese National Standard (CNS) A4 specification (210X297) (%) Printed by the Consumers' Cooperative of the Central Bureau of Standards of the Ministry of Economic Affairs 403883 at B7 V. Description of the invention (1) Functional workload with asymmetric encryption and password, which acts as a "smart" partner for a simpler chip card. Further consideration is The pocket value terminal needs to have a sufficiently large power source. This is achieved by a rechargeable large-capacity plug-in power box, which as shown in Figure 7 does not have a significant attribution to the weight or volume of the terminal Format, and the connection to the pocket value terminal is via the 68-pin connector 14. In addition, the pocket value terminal maintains the characteristics available in the foregoing embodiment under this data transfer structure, that is, it can It can hold several chip cards at the same time, and can communicate between the inserted chip card and the information system. The result of this can be the value transmission through the communication system, Typically between the chip card and the financial institution. The residual value resident on the chip card can be read by the display of the terminal before the card is removed by the pocket value terminal, and then the card is normal. The transaction method is used. In a further embodiment, the pocket value terminal is used in a communication system that can be connected to an interactive market or a virtual network. This can be via the aforementioned transmission system, or through a large number of markets. Devices are specially designed for interactive media. Such devices include TV set-top boxes and Internet connection devices. "By connecting the pocket value terminal to these devices, such as watching movies or sports programs specially watched on TV. Micropayments can be transmitted simultaneously by the inserted chip card for these services. It is also possible to use the pocket value terminal to pay on the Internet for many goods or services that the media can or will purchase. Typically , Most of the payments via these networks are "micro-payments", which are of small value, and conventional credit cards have —14 — this paper Applicable to China National Standard (CNS) A4 specification (210X297 mm) (please read the precautions on the back before filling in this education), install · ir_ 403883 _ ^ __ 5. Description of the invention (12) _ The transaction responsibility is quite high Cost and cannot be traded economically. All the instructions on the connection to the communication system can be implemented by using the combination of the display and keyboard input features of the pocket value terminal or computer terminal, telephone or other connection device . Computers and digital technologies have opened up a new market that requires secure and transferred remote payment configurations. Remote payments need a high level of security to ensure protection against counterfeiting and fraud, and to combat crime or computer hackers. Seeking to intercept or transfer value transfer between legitimate parties. It is clear that with the exponential growth potential of remote payments via virtual networks, the need for improved security is absolutely necessary. In some or most embodiments, it must have a security device. In general, this is a basic requirement for most users of cash transactions. Advanced card systems use encrypted protections related to the user's personal identity. Personal identification systems generally have three parameters, which are related to personal identification numbers (PINs) that some people are familiar with, such as name tags or cards that some people have, or individuals such as fingerprints or speech types. Certain biochemical characteristics. Printed by the Consumers' Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs (please read the precautions on the back before filling this page) In one embodiment of the present invention, a pocket-type value terminal with a plug-in battery case as shown in Figure 7 The machine is provided with a biometric template based on the fingerprint, voice or other such information of the card user. This template is used to compare real-time input of corresponding biometric data from the user before the card is used. The positive result of this biometric comparison creates a time base link to the initiation of the inserted chip card value paragraph. After removing the plug-in power box by the 68-pin connector, the pocket-type value terminal can be —15 — this paper size applies to China National Standard (CNS) A4 specification (210X297 mm) 403883 B7_ V. Description of the invention ( 13) A compatible connection slot inserted into the personal computer to complete the value transfer within the specified period. Alternatively, a pocket-type value terminal with a plug-in power box can be connected to a compatible telephone via a multi-pin connector 25. The biometric check can be performed as explained previously when it is connected to the computer network or independently of the telephone network. In all cases, unless the user has been accepted in the checking process and the user's chip card is inserted into the pocket value terminal when the pocket value terminal is connected to a PC computer or compatible phone, Transmission is impossible. Removing the chip card from the pocket value terminal will break the connection. The action of the biometric check along with the unique identifier for the integrated circuit inserted into the chip card can also be used to generate a period key for the transaction period selected by the user during the cryptographic check process. During this period, the key further strengthens the security of some chip card transaction protocols that currently exist. In the case of a new registration to the communication system, a new period number is generated, and only for the period determined by the user. Printed by the Consumer Cooperatives of the Central Standards Bureau of the Ministry of Economic Affairs (please read the precautions on the back before filling out this page). In addition, the memory can be stored in the mini-format flash memory in addition to any visible mini-format flash memory. Biometric templates on the body are expanded for more relevant biometrics. It will be appreciated that although some non-contact devices have been described with antennas mounted on the board and printed circuit or other technology formed on the board, other non-contact configurations can be used. This type of non-contact configuration includes that the card is generally close to a reader when prompted to conduct conductive coupling in the vicinity of a 16-f. This paper size applies to the Chinese National Standard (CNS) A4 specification (210X297 mm) A7 __403883 B7 ___ V. DESCRIPTION OF THE INVENTION (14) The card was read on the occasion. In all cases, the non-contact device is any device that does not actually directly directly contact the reader ' and is a separate or detachable device as described in the storytelling. Component number comparison table Component number Translation name Component number translation 10 Pocket-friendly case 11 Display 12 Keyboard 13 iso-type contact chip connector 14 Multi-pin connector 15 _Battery box 16 Container 17 Printed circuit board 18 Mini or SIM type contact chip Connector 19 Mini or SIM contact chip card 2 0 Non-contact chip 21 Printed by the Consumer Cooperatives of the Central Standards Bureau of the Ministry of Economic Affairs 22 Contact chip card 24 Microcomputer 25 Multi-pin connector — 17 — This paper size applies to Chinese National Standards (CNS) A4 specifications (210X297 public holiday)