玖、發明說明： 【發明所屬之技術領域】 本發明是有關於一種金融交易資料處理方法及其系統 5 ，:寺：疋f關於-種利用智慧卡與終端機進行金融交易之 金融交易資料處理方法及其系統。 【先前技術】 在商業交易的行為中，電子錢帶是最方便的一種交易 方式。_特別是在智慧卡問世後，由於安全性、資料容量等 10 的大幅提升’因此廣為各種個人身份認證或是金錢交易等鲁 服務所採用，例如電話卡、儲值卡，甚至是健保卡等，都 已採用智慧卡來取代傳統的磁卡或紙卡。 >閱圖1 ’智慧卡60主要包含一微處理器61、一唯讀 記憶體62、-隨機存取記憶體63，以及一電子式可抹除程 式化唯讀記憶體64(以下簡稱EEpR〇M)。唯讀記憶體Μ内 儲存有卡片作業系統（C0S)，微處理器61即與一般個人電 腦中的中央處理單元相同，能夠執行卡片作業系統所下的 扣7。機存取記憶體63是用來存放資料運算處理過程中隹 的臨時訊息。EEPROM 64是用來存放資料，例如：持卡者 個人資料、身分證號碼、銀行帳號等等。 ί〇 EEPRQM 64巾所儲存的資料，依照其_可大致分類· 為二區’分別為目錄區（directory area)64i、金鑰區（secret -area)642,以及檔案資料區（data area)643。目錄區64i是用 來記錄各種資料存放位址及相關訊息，金鑰區642則是用 來存放金鑰，以便於進行解、加密動作，檔案資料區643 4 587223 則用來存放使用者的資料及資料存取管制訊息。 在智慧卡60的製作過程中，由於安全性上的考量且其 内I5 ^料已全由卡片作業系統所控制，因此在卡片製作 凡成後貝料的存取並不能夠經由實體位址（physical ㈣職）而獲知’而是需要以智慧卡中的邏輯檔案結構來進 订。參閱圖2，智慧卡之檔案結構類似於MS-DOS的階層式 槽錢構，首先是一主要檔案（master flle)，而在主要^案 下則疋岭多基本檔案（elememary file)或特定檔案（七仙⑽ =le)。主要檔案記錄了下一層中基本檔案或特定標案的相關_ 貝料❿再下一層中的基本檔案或特定檔案則又記錄了次 一層的相關資料。 乂曰慧卡60上的資料在製作過程中已經由特定的發 卡者針對特定的服務所建立，因此在特定邏輯位置下皆存 冑特疋的檔案’特別是使用者的個人基本資料中的每一細 項:例=身份證字號⑽、出生年月日、性別、婚姻狀態… 等等’疋分別儲存在一基本檔案或特定檔案中。因此，當 利用-終端機（圖未示）或讀卡機來讀出智慧卡上的資料後，籲 經由終端機或-遠端主機上的應用程式中所設定的特殊條 件加以計算、執行，就能進行特定的服務，例如加值、紅 - 利積點、分期付款等等。 · 、而Φ於每一檔案係記錄有不同的資料，並是針對 特定的服務來儲放，因此其儲存的位置在發卡後即被固定 住而不能輕易變更’因此無法在智慧卡中再增加資料以提 供進-步的服務，限制了其應用範圍。另一方面’偶若加 5 587223 值服t有所變動，例如原先需要的資料是「生日」，現在需 要的身料是「身份證號石馬 加以更新，則若全部的商家都需進而將^機上的應用程式 耗費龐大的時間與金錢。*進仃應用程式的更新，將 5 【發明内容】 行資：Γ明之目的在於提供一種利用單-檔案來進 務的提供盜1布林函服 、〜、，且能夠經易地進行應用程式更新之金融交 易資料處理方法及其系統。 金嘁又 ίο 於是，本發明遠端金融交易資料處理方法是在一智慧孀 一能讀取該智慧卡之—裝置間進行，該方法包含步 驟A)以-資料格式儲存個人基本資料於該智慧卡中，该資 :料格：具有複數用以填入該個人基本資料之每一細項的棚 15 :=ΦΒ)以該資料格式儲存關於-服務所需之限制條件 於該裝置中，該限制條件並是對應於該等搁位之其中至少 ='3 _該限㈣件對該個人基本資料之該相對 二位」丁早—布林函數運算；以及步驟D)依據該運算結· ’決定該限制條件是否被滿足，以決定是否執行該服務 〇 20 【實施方式】 、有關本發明之前述及其他技術内容、特點與功效，在 以下配合參考圖式之一較佳實施例的詳細說明 楚的明白。 析J /月 >閱圖3,本發明金融交易系統的架構包含一智慧卡1 6 587223 、一終端機2，以及一遠端主機3。 參閱圖4’智慧卡1主要包含-微處理器U、一唯讀纪 憶體、一隨機存取記憶體13，以及一非揮發性記憶體Μ 。唯讀記憶體12内儲存有卡片作業系統（⑽），微處理号 5 11能夠讀入唯讀記憶體12中的電腦程式碼，並依據卡片作 業系統所下的指令執行特㈣功能。隨機存取記憶體13是 用來存放資料運算處理過程中的臨時訊息。非揮發性記憶 體14,例如EEPR〇M，則是用來存放個人基本資料100^ 者是執行特定服務的應用程式等等，此部分大致上與以往 1〇 的智慧卡相同。 如圖5所示’非揮發性記憶體14中，其儲存個人基本 資料100的檔案架構並非採多階層式的架構，而是在主檔 案（MF)下負料格式中的不同攔位來儲存不同資料 換言之，是以單-基本檀案（EF)或特定播案來儲存所有的個 15 人基本資料’本實例中，此檔案的大小是64bitS，但不應以 此為限。而在此檔案的每一攔位中，可以儲存有個人基本 資料的每一細項，例如第2號攔位是表示「性別」，此欄中籲 之位7C值為，，〇，’即表示女性，若位元值是” i，，則表示男性，或 者例如第61號攔位是表示「婚姻狀態」，若此攔中之位元 20 f為”G”則表示單身，位元，，1，，則表示已婚，因此，個人基本* 貝料100中的每一細項是分別填入於每一欄位之中，並以 :同的位元來表示不同的狀態。當然，攔位的大小並非固 定，端視儲存的資料内容而定，可能是一位元、兩位元等 等··. 〇 7 5 、端機2主要疋用作智慧卡i與遠端主機3間傳遞資 料的介面，終端機2内部並建置有微處理器⑽未示）、唯讀 ，憶體（圖未示）、控制面板’以及隨機存取記憶體等構件， 能供使用者輸入消費金額，並能顯示、列印資料處理後的 結果。 在遠端主機3中，針對每一種服務，儲存有一各別的 限制條件，例如針對「母親節」所提出之特惠服務，1 特惠的對象必然為「母親」，因此其限制條件2〇〇是指個： 10 =本資料_中，「性別」攔中之資料需為女性且「婚姻狀 心」攔中之資料需為已婚，滿足此限制條件2〇〇的消費者 ，才有機會獲得額外的禮物。 、 在遠端主機3中，限制條件細是與智慧+ i上之個 人基本資料100以相同的資料格式錯存，換言之，如圖6 15 所不’上述「母親節」特惠活動需要智慧卡ljL「姓別、 「婚姻狀態」兩攔㈣料作為限制，因此在遠端主機3」中 2相同的格式中相對應的攔位（第2號欄位以及第61 ::位):為其限制條件2〇〇’因此這兩攔中之位元值填入 方^元㈣設為至於其計算、執行的 方法，將在下文中詳述。 20 參閱圖7,例如當一女性消費者在商 並採用智慧卡1付費_，巾口“ 月買疋金額 、店貝首先將此消費者之智慧卡】 置入終端機2中，並利用終端2 .、 操作，並要求智慧卡i上、 ：制面板(圖未示)來 卜接者’如步驟72,當智慧卡1上的應用程式被選擇Γ 8 587223 其=一特定的應用程式會自非揮發性記憶體i4中讀取個人 基本資料100，並回應給終端機2上的應用程式。说明 Description of the invention: [Technical field to which the invention belongs] The present invention relates to a method and system for processing financial transaction data5 :: 寺: 疋 fAbout-a method of processing financial transaction data using a smart card and a terminal for financial transactions Method and system. [Previous technology] In the behavior of commercial transactions, the electronic money belt is the most convenient way of transaction. _Especially after the advent of smart cards, due to the significant improvement in security and data capacity10, it is widely used in various personal identity authentication or money transaction services, such as phone cards, stored-value cards, and even health insurance cards. , Have adopted smart cards to replace traditional magnetic or paper cards. > Read FIG. 1 'The smart card 60 mainly includes a microprocessor 61, a read-only memory 62, a random access memory 63, and an electronic erasable programmable read-only memory 64 (hereinafter referred to as EEPR OM). In the read-only memory M, a card operating system (COS) is stored. The microprocessor 61 is the same as a central processing unit in a general personal computer, and can execute the button 7 under the card operating system. The machine access memory 63 is used to store temporary information 隹 during data calculation processing. EEPROM 64 is used to store information, such as cardholder personal information, ID card number, bank account number, and so on. ί〇EEPRQM 64 data can be roughly classified according to its _ can be roughly divided into two areas' directory area (directory area) 64i, key-key area (secret-area) 642, and file data area (data area) 643 . The directory area 64i is used to record various data storage addresses and related information, the key area 642 is used to store keys for easy decryption and encryption operations, and the file data area 643 4 587223 is used to store user data And data access control messages. In the process of making the smart card 60, due to security considerations and the I5 ^ material has been controlled by the card operating system, access to the material after the card is made cannot be accessed through the physical address ( physical job) and learn 'but need to be ordered with the logical file structure in the smart card. Referring to Figure 2, the file structure of the smart card is similar to the hierarchical slot structure of MS-DOS. The first is a master flle, and in the main case, multiple elememary files or specific files (Seven Immortals le = le). The main file records the relevant information of the basic file or the specific project in the next layer_ Beiliu The basic file or the specific file of the next layer records the relevant information of the next layer. The data on the smart card 60 has been created by specific card issuers for specific services during the production process. Therefore, special files are stored in specific logical locations, especially each user ’s personal basic information. A detailed item: example = ID number, 年, date of birth, gender, marital status, etc. 疋 储存 are stored in a basic file or a specific file, respectively. Therefore, when a terminal (not shown) or a card reader is used to read the data on the smart card, it is called for calculation and execution through special conditions set in the terminal or the application program on the remote host. Specific services such as value-added, bonus points, installments, etc. · And Φ records different data in each file system and is stored for specific services, so the storage location is fixed after the card is issued and cannot be easily changed ', so it cannot be added to the smart card. Information to provide further services, limiting its scope of application. On the other hand, even if the value of 5 587223 is changed, for example, the original required information is "birthday", and the figure required now is "ID card number Shima to be updated. If all businesses need to further ^ The application on the aircraft consumes a lot of time and money. * Introducing the application update will be 5 [Content of the invention] Funding: Γ Ming's purpose is to provide a robbery letter using a single-file to provide services. The method and system for processing financial transaction data that can be easily updated by application programs and the system can be easily updated. Therefore, the remote financial transaction data processing method of the present invention is capable of reading the wisdom Card-to-device, the method includes step A) storing personal basic data in the data format in the smart card, the data: material grid: a shed with a plurality of items used to fill in the personal basic data 15: = ΦΒ) in this data format, the restrictions required for the service are stored in the device, and the restrictions do not correspond to the rest of these at least = '3 _ the restrictions on the personal basic information The "relative two-bit" Ding Zao-Bohlin function operation; and step D) according to the operation result · 'determine whether the restriction condition is satisfied to determine whether to execute the service 〇 [Embodiment], the foregoing and For other technical contents, features and effects, a detailed description of a preferred embodiment with reference to the drawings will be made clear in the following. Analysis of J / month > Referring to FIG. 3, the architecture of the financial transaction system of the present invention includes a smart card 1 587 223, a terminal 2 and a remote host 3. Referring to FIG. 4 ', the smart card 1 mainly includes a microprocessor U, a read-only memory, a random access memory 13, and a non-volatile memory M. The read-only memory 12 stores a card operating system (⑽), and the micro processing number 5 11 can read the computer code in the read-only memory 12 and execute special functions according to the instructions issued by the card operating system. The random access memory 13 is used to store temporary information during data calculation processing. Non-volatile memory 14, such as EEPROM, is used to store basic personal data. 100% are applications that perform specific services, etc. This part is roughly the same as the previous 10 smart cards. As shown in FIG. 5, in the non-volatile memory 14, the file structure for storing personal basic data 100 is not a multi-level structure, but is stored in different blocks in the negative material format under the master file (MF). In other words, different files are stored in a single-basic case (EF) or a specific broadcast case to store all the basic data of 15 individuals. In this example, the size of this file is 64bitS, but it should not be limited to this. In each block of this file, each item of basic personal information can be stored. For example, block No. 2 indicates "gender". The value of the 7C in this column is, 0, 'that is, Means female, if the bit value is "i", it means male, or for example, block 61 means "marital status", and if bit 20 f in this block is "G", it means single, bit, , 1, means married. Therefore, each item in Personal Basic * 100 is filled in each field separately, and different statuses are represented by the same bit. Of course, the size of the block is not fixed, depending on the content of the stored data, it may be one bit, two bits, etc. 〇 7 5, Terminal 2 is mainly used as a smart card i and a remote host 3 interfaces for transmitting data. Terminal 2 has built-in microprocessors (not shown), read-only, memory (not shown), control panel 'and random access memory. Enter the amount of consumption, and display and print the results of data processing. In the remote host 3, for each service, there is a separate restriction condition, such as the special service proposed for "Mother's Day". 1 The object of the preferential treatment must be "mother", so the restriction condition is 200. Refer to: 10 = In this data, the data in the "gender" block must be female and the data in the "marriage-like heart" block must be married. Consumers who meet this limit of 200 will have the opportunity to obtain Extra gift. In the remote host 3, the limitation is that the basic data of the personal data 100 on the smart + i is strayed in the same data format, in other words, as shown in Figure 6 15. The above-mentioned "Mother's Day" special event requires a smart card ljL "Surname," marital status "two blocks are used as restrictions, so in the remote host 3" 2 corresponding to the same block (field 2 and 61: :): it is restricted Condition 200 ′ Therefore, the bit values in the two blocks are filled in. The method of calculation and execution will be set forth in the following. 20 Referring to FIG. 7, for example, when a female consumer is in the business and uses smart card 1 to pay _, the scarf “the monthly purchase amount, the store first puts this consumer ’s smart card” into terminal 2 and uses the terminal 2. Operate and require the smart card i to be connected to the control panel (not shown) as described in step 72, when the application on the smart card 1 is selected Γ 8 587223 which = a specific application will The personal basic data 100 is read from the non-volatile memory i4 and responded to the application program on the terminal 2.
終端機2上的摩用条5 -V + & XI 的應用私式在接到上述資料後，並依據智 5 慧卡1上之應靠式的命令來執行特定的功能，例如顯示 目前數據，若尚需其它資料，例如需要終端機提供交易時 間、交易地點等資料，則合炷& π α ^ 貝丁叶則9待取仵所需的資料後，結束智 慧卡1與終端機2間的資料傳輸。 10 乂驟3在曰慧卡1與終端機2兩者間的資料傳輸結 束後，終端機2上的應用程式會將智慧卡i上的個人基本馨 資料10G傳送至遠端主機3 ±，並交由遠端主機3上的應 用程式來加以判斷應該提供哪種服務，由於智慧卡以” 為單位來儲存，故終端機或遠端主機會先將資料轉為二進 位格式（e.g.讀取的Bitmap loyalty資料為”123456”，則轉為 15 20 00010010001101〇〇〇 1〇 1〇丨1〇’’），然後再以事先定義好的布 林運算規則，擷取所需的資料。例如現今具有「母親節」 的特惠活動，因此遠端主機3上的應用程式就會將限制條 件200來與個人基本資料丨〇〇進行布林函數運算，如步驟· 74。注意：如果所欲擷取的資料以由規則得知為代表文字或 數字（digit)的ASCII碼，則無轉為二進位格式，加值應用程 式可直接讀取並還原運算其所代表的意義（eg·讀取的After receiving the above information, the application mode of the application 5 -V + & XI on the terminal 2 will perform specific functions, such as displaying the current data. If you still need other information, for example, you need the terminal to provide information such as the transaction time and location, then combine & π α ^ Bedinger leaves 9 and wait for the required information, then end smart card 1 and terminal 2 Data transfers. 10 Step 3 After the data transmission between the smart card 1 and the terminal 2 is finished, the application on the terminal 2 will transmit the personal basic data 10G on the smart card i to the remote host 3 ±, and It is left to the application on the remote host 3 to determine what kind of service should be provided. Since the smart card is stored in units of ", the terminal or remote host will first convert the data into a binary format (eg read Bitmap loyalty data is "123456", then it will be converted to 15 20 00010010001101〇〇〇〇〇〇〇１〇 丨 1 ″), and then use the pre-defined Brin algorithm to retrieve the required data. For example, today has "Mother's Day" special event, so the application on the remote host 3 will perform the Bollinger function calculation with the personal basic data 200, as in step 74. Note: If the data to be retrieved is an ASCII code that represents the text or digits known by the rules, there is no conversion to binary format. Value-added applications can directly read and restore the meaning it represents. (Eg · read
Bitmap loyalty 資料為”31324142”，則轉為，，12AB”）。 如圖8所示，由於「母親節」特惠活動的限制條件2〇〇 是「性別」必需為女性且「婚姻狀態」必需為已婚，因此 本實施例中，是利用「AND」的布林函數運算，使得限制 9 條件200中與個人基本資料100中之每一欄位進行聯集， 因此在兩者相對應欄位間執行布林函數運算後，相對應之 第2攔位彼此執行「AND」運算後，其值為”〇,，，而相對應 之第61欄位彼此執行「AND」運算後，其值為為”丨”，其餘 攔位則因為不需列入考量，因此限制條件之位元皆設為，，〇，， ，故其以布林函數運算的結果必定為，，〇，，。所以由布林函數 運算後的結果300，知道此智慧卡i上之個人基本資料1〇〇 ，確實滿足「性別」為女性且「婚姻狀態」為已婚之限制 條件。 10 m 因此，如步驟75，遠端主機3會將最後確認後之結果 ，傳送至終端機2上，若個人基本資料1〇〇滿足上述母親 節特惠活動之限制條件，則會使得終端機2能執行其服務 ，例如在發票上列印出一兒獎圖案，表示消費者的身份確 實符合於「母親節」特惠活動所欲實施的對象，因此消費 15 者即能憑此發票兒換獎品。 當然，上述之「AND」布林函數僅是一說明例而已， 事實上，由於利用了與智慧卡丨中相同的資料格式來儲存 特定服務的限制條件200，因此限制條件200的滿足與否， 僅需簡單的布林函數即能取得結果3〇0，例如「〇R」、「 20 nand」、「not」、「n〇r」、「x〇r」等布林函數皆是本實施 例所涵蓋者。 參閱圖9,另一個例子是例如在上述的架構下，再提供 另一種服務。換言之，如果消費者之身份除了符合於「母 親節」之特惠活動的限制條件外，若其出生月份恰是五月 10 587223 5 份時，則可獲得雙重贈獎。因此，關於雙重贈獎之限制條 件200即為「出生月份」，因此在遠端主機3中，相對應於 「出生月份」攔位之限制條件的位元值設為”丨”，:餘 則為”0” ’在對個人基本資肖⑽以及限制條件2⑼進行「 AND」的布林函數運算後，即取出「出生月份」搁位之資 料，若此資料為5，即滿足上述雙重贈重之條件。 10 此外，本發明更包含-終端管理系統4，即指—伺制 ，若欲進行服務的更新，例如增加新的特惠活動、折㈣ ’可透過此終端管理㈣4，將新的特惠活動的限制條件 200置於遠端主機3上。由於每—服務皆有其特殊的限制條 件200，因此欲增加新的特惠活動時，僅需在利用終端管理 系統4來在遠端主機3上增加新的限制條件即可，並 不需要進行應用程式的更新。Bitmap loyalty data is "31324142", then it is, 12AB "). As shown in Figure 8, due to the restrictions on the" Mother's Day "special offer 200," Gender "must be female and" Marital status "must be Married, so in this embodiment, the Bollinger function operation of "AND" is used, so that the restriction 9 condition 200 is associated with each field in the personal basic data 100, so between the corresponding fields of the two After performing the Bollinger function operation, the corresponding second blocks perform "AND" operations on each other, and the value is "0,", and the corresponding 61th fields perform "AND" operations on each other, and the value is "丨", the rest of the blocks are not required to be considered, so the bits of the constraint are set to ,, 0 ,,, so the result of the calculation with the Bollinger function must be ,, 0 ,,. Therefore, the result 300 calculated by the Bollinger function knows that the basic personal information 100 on the smart card i does meet the restrictions that "gender" is female and "marital status" is married. 10 m Therefore, if step 75, the remote host 3 will transmit the final confirmed result to the terminal 2. If the personal basic data 100 meets the above-mentioned restrictions on Mother's Day special offers, it will make the terminal 2 Being able to perform its services, such as printing a child's prize pattern on the invoice, indicates that the identity of the consumer really matches the target of the "Mother's Day" special promotion, so 15 consumers can use this invoice to exchange prizes. Of course, the above-mentioned "AND" Bollinger function is only an illustrative example. In fact, because the same data format as in the smart card is used to store the restriction 200 of a specific service, the restriction 200 is satisfied or not. Only a simple Bollinger function can be used to obtain the result 3 00. For example, the Bollinger functions such as "〇R", "20 nand", "not", "n〇r", and "x〇r" are all examples of this embodiment. Covered. Referring to FIG. 9, another example is to provide another service under the above-mentioned architecture. In other words, if the status of the consumer is in addition to the restrictions on the "Mother's Day" special promotion, if the birth month is exactly 5 in May 10 587223, he will get a double bonus. Therefore, the restriction condition 200 on the double bonus is the "birth month", so in the remote host 3, the bit value corresponding to the restriction condition of the "birth month" block is set to "丨": "0" 'After performing the AND function on the individual basic asset data and restriction condition 2, the data of the "birth month" shelf will be taken out. If this data is 5, the above double bonus will be met. Condition. 10 In addition, the present invention further includes-terminal management system 4, which means-server system, if you want to update the service, such as adding new special promotions, discounts' can be managed through this terminal ㈣4, limit the new special activities Condition 200 is placed on remote host 3. Since each service has its special restriction of 200, when you want to add a new preferential activity, you only need to use the terminal management system 4 to add a new restriction on the remote host 3, and you do not need to apply it. Program updates.
15 20 特別要說明的是，上述智慧卡i以及遠端主機3中 料格式的欄位並非僅限於本實施例中所述，每—搁位的 輯位置、空間大小，皆可由發卡者自行設定，因此盆使 彈性甚大’並當欲增加新的資料時，僅需利用終端機2 智慧卡上！預留之空白攔位上加以填入即可。另外，限 條件200亦可以設在終端機2中，即以終端機2直接進 特惠活動之條件被滿足與㈣布林函數計算、執行。 綜合上述’以往的資料處理方法是在利用特定的應 程式去捉取特定的位置上的資料後加以處理，本發明則 ϋ用在智慧卡1减遠端主機3上則目同时料格式儲; -貝料，並以此資料格式儲存某—服務的限制條# 於^15 20 It should be particularly noted that the fields of the smart card i and the remote host 3 in the format of the material are not limited to those described in this embodiment. The editing position and space of each shelf can be set by the card issuer. Therefore, the basin is very flexible 'and when you want to add new information, you only need to use the terminal 2 smart card! Just fill in the reserved blank blocks. In addition, the limit condition 200 may also be set in the terminal 2, that is, the condition that the terminal 2 directly enters the special activity is satisfied and the Bollinger function is calculated and executed. In summary, the previous method of data processing is to use a specific application program to capture data at a specific location and process it. The present invention is used in the smart card 1 minus the remote host 3 to store the data in the same time format; -贝 料, and store a certain —service restriction article # 于 ^ in this data format
11 587223 5 端主機3 _L ’因此利㈣單的布林函數運算就能得知限制 條件200 $否被滿^，不僅在程式的撰寫上簡化許多，更 加大了使用上的彈性，確實達到本發明之目的。 惟以上所述者，僅為本發明之較佳實施例而已，當不 能以此限定本發明實施之範圍，即大凡依本發明申請：利 範圍及發明說明書内容所作之簡單的等效變化與修飾，皆 應仍屬本發明專利涵蓋之範圍内。 【圓式簡單說明】 10 圖1是一示意圖，說明以往智慧卡之結構； 圖2是-示意圖，說明該智慧卡中之槽案結構； ^圖3是一示意圖，說明實施本發明金融交易方法之 較佳實施例的系統架構； 15 圖4是一示意圖 圖5是一示意圖 圖6是一示意圖 之限制條件； ，說明該系統架構中之一智慧卡； ’說明該智慧卡之檔案結構； ，說明以該檔案結構儲存關於一服務 圖7是一流程圖，說明該較佳實施例之步驟； 塌 圖8是一示意圖’說明將個人基本資料與限制 订布林函數運算；以及 20 圖9是一示意圖，說明將該個人基本資料與另 条件進行布林函數運算。 、 一限制 12 587223 【圖式之主要元件代表符號說明】 1 智慧卡 14 非揮發性記憶體 2 終端機 100 個人基本資料 3 遠端主機 200 限制絛件 4 終端管理系統 300 結果 11 微處理器 71〜 75 步驟 12 唯讀記憶體 13 隨機存取記憶體11 587223 5 End host 3 _L 'Therefore, the Bollinger function calculation of a single order can tell whether the limit of 200 $ is full ^, which not only simplifies the writing of the program a lot, but also increases the flexibility in use. The purpose of the invention. However, the above are only the preferred embodiments of the present invention. When the scope of implementation of the present invention cannot be limited by this, that is, simple equivalent changes and modifications made in accordance with the present application: the scope of the invention and the contents of the description of the invention , All should still fall within the scope of the invention patent. [Circular brief description] 10 FIG. 1 is a schematic diagram illustrating the structure of a conventional smart card; FIG. 2 is a schematic diagram illustrating the structure of a slot in the smart card; ^ FIG. 3 is a schematic diagram illustrating the method of implementing the financial transaction of the present invention The system architecture of the preferred embodiment; 15 FIG. 4 is a schematic diagram; FIG. 5 is a schematic diagram; FIG. 6 is a schematic diagram of the limiting conditions;, illustrates a smart card in the system architecture; 'explains the file structure of the smart card; Description Stores a service with the file structure. FIG. 7 is a flowchart illustrating the steps of the preferred embodiment. FIG. 8 is a schematic diagram illustrating the calculation of basic personal data and the constraint subscription function; and FIG. 9 is A schematic diagram illustrating a Bollinger function operation on the personal basic data and other conditions. A limit 12 587223 [Description of the main components of the diagram] 1 Smart card 14 Non-volatile memory 2 Terminal 100 Personal basic information 3 Remote host 200 Restricted files 4 Terminal management system 300 Results 11 Microprocessor 71 ~ 75 Step 12 Read-only memory 13 Random access memory
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