TWI709928B - Online payment method, program product and mobile payment card - Google Patents
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Abstract
本發明之實施例係揭露一種線上支付的方法、程式產品及其行動支付卡,藉由藍芽通訊管道,在線上支付流程上形成一種具有特殊安排的訪問機制與驗證機制,這使得線上的支付交易便利化且亦能提供安全的訪問及身分驗證機制,而在行動支付卡上之特殊配置的藍芽通訊模組,更帶來可靠度佳與應用層面廣泛的用戶體驗。 The embodiment of the present invention discloses an online payment method, program product and mobile payment card. Through the Bluetooth communication channel, an access mechanism and verification mechanism with special arrangements are formed in the online payment process, which makes the online payment The transaction is convenient and it can also provide a secure access and identity verification mechanism, and the specially configured Bluetooth communication module on the mobile payment card brings a user experience with good reliability and a wide range of applications.
Description
本發明係關於一種線上支付的方法、程式產品及其行動支付卡,更特別的是關於一種藉由藍芽通訊技術進行進一步應用之線上支付的方法、程式產品及其行動支付卡。 The present invention relates to an online payment method, program product and mobile payment card, and more particularly to an online payment method, program product and mobile payment card for further application through Bluetooth communication technology.
結合了電子商務與金融系統,現今的行動支付系統的發展越來越快速。近場通訊(Near Field Communication,NFC)技術是以無線射頻識別(Radio Frequency Identification,RFID)標準為基礎所衍生發展的短距離無線通訊技術,NFC技術被應用在近端的行動支付上。 Combining e-commerce and financial systems, today's mobile payment systems are developing faster and faster. Near Field Communication (NFC) technology is a short-range wireless communication technology developed based on the Radio Frequency Identification (RFID) standard. NFC technology is applied to near-end mobile payments.
當使用者欲使用行動支付,並以行動通訊裝置感應POS系統(Point of Sales,銷售點終端)來進行付款時,POS系統會經由行動通訊裝置中的NFC晶片和NFC天線與安全元件(Security Element,SE)進行溝通,進而讀取安全元件內部的資料,之後再藉由NFC晶片內的電壓放大晶片放大安全元件產生的回應訊號,再透過NFC天線將訊號傳至POS系統,以完成具有認證程序的行動支付。 When a user wants to use mobile payment and uses a mobile communication device to sense a POS system (Point of Sales, point of sales terminal) for payment, the POS system will pass through the NFC chip and NFC antenna and security element (Security Element) in the mobile communication device. ,SE) to communicate, read the data inside the secure element, and then use the voltage amplifier chip in the NFC chip to amplify the response signal generated by the secure element, and then transmit the signal to the POS system through the NFC antenna to complete the authentication process Payment for the action.
以行動支付卡來說,在近場通訊技術的應用上係以支付介面為單線連接協議(Single Wire Protocol,SWP)的SWP-SIM卡來作為NFC終端,然而,這就必須透過複雜的協議來訪問SWP-SIM卡中的安全元件(SE),且在不同NFC工作模式下,所須遵循的標準不盡相同,包含射頻協議(如:ISO 14443、18092)、中間協議(如:各種NFC Forum)、應用協議(如:不同行業間的規定、NFC Forum RTD)、其他協議(如:ETSI、RTD)等,另外還有NFC-SWP終端中之相關標準化 對應所需之測試標準和測試工具,這些複雜的協議需要手機廠商、手機NFC控制器廠商、手機基頻晶片(Baseband CPU)廠商的共同支持,這導致了目前NFC手機對SIM卡訪問接口的支持度不高。 In the case of mobile payment cards, in the application of near field communication technology, the SWP-SIM card with the payment interface as the Single Wire Protocol (SWP) is used as the NFC terminal. However, this must be achieved through a complex protocol. Access to the secure element (SE) in the SWP-SIM card, and in different NFC working modes, the standards that must be followed are different, including radio frequency protocols (such as: ISO 14443, 18092), intermediate protocols (such as: various NFC Forum ), application protocols (e.g. regulations between different industries, NFC Forum RTD), other protocols (e.g. ETSI, RTD), etc., as well as related standardization in NFC-SWP terminals Corresponding to the required test standards and test tools, these complex protocols require the joint support of mobile phone manufacturers, mobile phone NFC controller manufacturers, and mobile phone baseband CPU manufacturers. This has led to the current support for SIM card access interfaces in NFC mobile phones The degree is not high.
本發明之一目的在於提供一種便利的行動支付管道。 One purpose of the present invention is to provide a convenient mobile payment channel.
本發明之另一目的在於提供一種無須複雜協議的方法、程式產品及其行動支付卡。 Another object of the present invention is to provide a method, a program product and a mobile payment card without complicated protocol.
本發明之再一目的在於提高行動交易過程的可靠度與穩定度。 Another purpose of the present invention is to improve the reliability and stability of the mobile transaction process.
為達上述目的及其他目的,本發明提出一種線上支付的方法,係應用於一具備藍芽通訊功能的行動通訊裝置且該行動通訊裝置配置有一具備藍芽通訊功能的行動支付卡,該行動支付卡內並具有一安全元件,該方法包含:響應一線上支付服務提供系統的一認證請求程序,該行動通訊裝置依據所接收之一認證請求封包,藉由該行動通訊裝置之一裝置端藍芽通訊模組以藍芽通訊方式無線傳輸對應的一認證命令封包;使該行動支付卡之一支付卡端藍芽通訊模組以藍芽通訊方式接收該認證命令封包,並以藍芽通訊方式無線傳輸對應產生的一安全金鑰封包;使該行動通訊裝置之該裝置端藍芽通訊模組接收該安全金鑰封包並提交至該線上支付服務提供系統;使該行動通訊裝置接收該線上支付服務提供系統之認證結果,於認證成功後完成該認證請求程序,並以藍芽通訊方式無線傳輸對應的一支付請求封包;一支付請求程序,使該行動支付卡依據藉由該支付卡端藍芽通訊模組所接收的該支付請求封包,進行支付動作,並 藉由該支付卡端藍芽通訊模組無線傳輸一支付結果報告封包;以及使該行動通訊裝置之該裝置端藍芽通訊模組接收該支付結果報告封包,完成線上行動支付程序。 To achieve the above and other objectives, the present invention provides an online payment method, which is applied to a mobile communication device with Bluetooth communication function and the mobile communication device is equipped with a mobile payment card with Bluetooth communication function. The card also has a secure element, and the method includes: responding to an authentication request procedure of an online payment service providing system, the mobile communication device uses a device-side Bluetooth of the mobile communication device according to a received authentication request packet The communication module wirelessly transmits a corresponding authentication command packet through Bluetooth communication; the Bluetooth communication module on the payment card side of the mobile payment card receives the authentication command packet through Bluetooth communication, and wirelessly uses Bluetooth communication Transmit a correspondingly generated security key packet; enable the device-side Bluetooth communication module of the mobile communication device to receive the security key packet and submit it to the online payment service providing system; enable the mobile communication device to receive the online payment service Provide the authentication result of the system, complete the authentication request procedure after the authentication is successful, and wirelessly transmit a corresponding payment request packet through Bluetooth communication; a payment request procedure that enables the mobile payment card to rely on the payment card’s Bluetooth The payment request packet received by the communication module is used to perform the payment action, and A payment result report packet is wirelessly transmitted by the payment card-side Bluetooth communication module; and the device-side Bluetooth communication module of the mobile communication device receives the payment result report packet to complete the online mobile payment process.
於本發明之一實施例中,於該線上支付服務提供系統之認證成功後且在產生該支付請求封包前,更包含下述附加的認證程序中之至少其一,於附加之所有認證程序認證成功後始產生該支付請求封包:一用戶識別資訊認證程序,係使該行動通訊裝置取得一生物特徵資訊,並與該行動通訊裝置內儲存之用戶生物特徵資訊進行比對,於比對成功後始認證成功;以及一用戶密碼認證程序,係使該行動通訊裝置取得一密碼資訊,並與該行動通訊裝置內儲存之用戶密碼資訊進行比對,於比對成功後始認證成功。 In an embodiment of the present invention, after the authentication of the online payment service providing system is successful and before the payment request packet is generated, at least one of the following additional authentication procedures is further included, and all additional authentication procedures are authenticated The payment request packet is generated after success: a user identification information authentication process is to enable the mobile communication device to obtain a biometric information and compare it with the user biometric information stored in the mobile communication device. After the comparison is successful Initial authentication is successful; and a user password authentication procedure is to enable the mobile communication device to obtain a password information and compare it with the user password information stored in the mobile communication device. After the comparison is successful, the authentication succeeds.
於本發明之一實施例中,該生物特徵資訊包含下述至少其一者:用戶指紋資訊、用戶臉部資訊、用戶瞳孔資訊、用戶聲紋資訊。 In an embodiment of the present invention, the biometric information includes at least one of the following: user fingerprint information, user face information, user pupil information, and user voiceprint information.
為達上述目的及其他目的,本發明復提出一種線上支付的程式產品,係搭載於一行動通訊裝置,該行動通訊裝置配置有一行動支付卡,該行動支付卡內並具有一安全元件,該程式產品係於該行動通訊裝置中被執行後,執行如前所述之線上支付的方法。 In order to achieve the above and other objectives, the present invention also provides an online payment program product, which is mounted on a mobile communication device, the mobile communication device is equipped with a mobile payment card, the mobile payment card has a secure element, and the program After the product is executed in the mobile communication device, the online payment method described above is executed.
於本發明之一實施例中,前述之線上支付亦可被執行於一具備選定通訊協議之通訊功能的行動通訊裝置且該行動通訊裝置配置有一具備該選定通訊協議之通訊功能的行動支付卡中。進一步地,該選定通訊協議可為無線傳真Wi-Fi傳輸協議或群蜂ZigBee無線傳輸協議。 In an embodiment of the present invention, the aforementioned online payment can also be executed in a mobile communication device with a communication function of a selected communication protocol, and the mobile communication device is equipped with a mobile payment card with a communication function of the selected communication protocol . Further, the selected communication protocol may be a wireless fax Wi-Fi transmission protocol or a ZigBee wireless transmission protocol.
於本發明之一實施例中,線上支付的程式產品係為運作於該行動通訊裝置之一作業系統上的一應用程式。 In an embodiment of the present invention, the online payment program product is an application program running on an operating system of the mobile communication device.
為達上述目的及其他目的,本發明所述使用於前述方法的行動支付卡包含:一包覆材;以及一系統封裝之封裝體。該系統封裝之封裝體係被該包覆材所部分包覆,包括:一下封裝體,具有一藍芽通訊晶片及一作為用戶識別晶片的安全元件;一上封裝體,具有複數金屬觸點及一藍芽天線線路,各該金屬觸點係至少部分未被該包覆材所包覆;以及一中間層封裝體組,係位於該下封裝體之上側與該上封裝體之下側間,該中間層封裝體組具有至少一中間層封裝體,該中間層封裝體具有一金屬鋪網層及複數佈線連接點,該金屬鋪網層之面積係小於該上封裝體或該下封裝體之至少其一,該等佈線連接點係使該上封裝體與該下封裝體之相應部位相耦接;其中,該藍芽通訊晶片係耦接該安全元件,以供行動通訊裝置藉由藍芽通訊介面訪問該安全元件從而完成支付動作,以及,在該封裝體的垂直方向上,該藍芽天線線路係被配置於與該中間層封裝體組之該金屬鋪網層的重疊面積不超過該藍芽天線線路面積的20%。 In order to achieve the above and other objectives, the mobile payment card used in the foregoing method of the present invention includes: a covering material; and a package body for system packaging. The packaging system of the system package is partially covered by the coating material, including: a lower package body with a Bluetooth communication chip and a security element as a user identification chip; an upper package body with a plurality of metal contacts and a Bluetooth antenna circuit, each of the metal contacts is at least partially uncovered by the covering material; and an intermediate layer package body set is located between the upper side of the lower package body and the lower side of the upper package body, the The middle-level package group has at least one middle-level package, the middle-level package has a metal mesh layer and a plurality of wiring connection points, and the area of the metal mesh layer is smaller than at least the upper package body or the lower package body First, the wiring connection points make the upper package body and the corresponding part of the lower package body couple; wherein, the Bluetooth communication chip is coupled to the secure element for the mobile communication device to communicate via Bluetooth The interface accesses the secure element to complete the payment action, and, in the vertical direction of the package, the bluetooth antenna line is arranged in the middle layer package body group and the metal mesh layer overlap area does not exceed the blue 20% of the line area of the bud antenna.
於本發明之一實施例中,該藍芽天線線路係被配置於鄰近該上封裝體的邊緣。 In an embodiment of the present invention, the bluetooth antenna circuit is disposed adjacent to the edge of the upper package body.
於本發明之一實施例中,該藍芽天線線路係為直條狀並具有一轉折而呈「L」型。 In an embodiment of the present invention, the bluetooth antenna line is a straight strip with a twist to form an "L" shape.
於本發明之一實施例中,該該藍芽天線線路距該上封裝體的外緣係為3.9mm至4.7mm間的距離。較佳係約為4.3mm。 In an embodiment of the present invention, the distance between the bluetooth antenna line and the outer edge of the upper package body is between 3.9mm and 4.7mm. It is preferably about 4.3 mm.
於本發明之一實施例中,該藍芽天線線路係未與該中間層封裝體組之該金屬鋪網層於該封裝體的垂直方向上重疊。 In an embodiment of the present invention, the bluetooth antenna circuit does not overlap with the metal mesh layer of the intermediate package group in the vertical direction of the package.
於本發明之一實施例中,該金屬鋪網層係為網格狀之銅鋪網層。 In an embodiment of the present invention, the metal mesh layer is a grid-shaped copper mesh layer.
於本發明之一實施例中,其中於該下封裝體之下側更封裝有一近場通訊晶片、一匹配電路及一近場通訊天線線路,該近場通訊天線線路係耦接該匹配電路,該匹配電路係耦接該近場通訊晶片,以供行動通訊裝置藉由藍芽通訊介面或近場通訊介面訪問該安全元件從而完成支付動作。 In an embodiment of the present invention, a near field communication chip, a matching circuit, and a near field communication antenna circuit are further packaged under the lower package body, and the near field communication antenna circuit is coupled to the matching circuit, The matching circuit is coupled to the near field communication chip for the mobile communication device to access the secure element through the Bluetooth communication interface or the near field communication interface to complete the payment operation.
於本發明之一實施例中,該行動支付卡係作為一用戶身份識別模組,其中該等金屬觸點係為該用戶身份識別模組的一連接端子組,該連接端子組係具有:VCC端子、RST端子、CLK端子、I/O端子、GND端子及SWP端子。 In an embodiment of the present invention, the mobile payment card is used as a user identification module, wherein the metal contacts are a connecting terminal set of the user identification module, and the connecting terminal set has: VCC Terminal, RST terminal, CLK terminal, I/O terminal, GND terminal and SWP terminal.
於本發明之一實施例中,其中該安全元件的電源來源端係為該VCC端子與該GND端子,並透過該藍芽通訊晶片及該近場通訊晶片耦接該VCC端子與該GND端子,使該安全元件的供電受控於該藍芽通訊晶片或該近場通訊晶片,於支付動作進行時始致能該安全元件至高功耗的用電狀態。 In an embodiment of the present invention, the power source of the security element is the VCC terminal and the GND terminal, and the VCC terminal and the GND terminal are coupled through the Bluetooth communication chip and the near field communication chip, The power supply of the secure element is controlled by the Bluetooth communication chip or the near field communication chip, and the secure element can be enabled to a high power consumption state when the payment action is performed.
於本發明之一實施例中,其中該用戶識別晶片具有分離的一支付安全元件及一電信安全元件,該支付安全元件係藉由不同的接口個別地耦接該藍芽通訊晶片及該近場通訊晶片,該電信安全元件係藉由該VCC端子、該RST端子、該CLK端子、該I/O端子及該GND端子耦接行動通訊裝置的一基頻晶片。 In an embodiment of the present invention, the user identification chip has a separate payment security element and a telecommunication security element, and the payment security element is individually coupled to the Bluetooth communication chip and the near field through different interfaces Communication chip, the telecommunication security element is coupled to a baseband chip of the mobile communication device through the VCC terminal, the RST terminal, the CLK terminal, the I/O terminal and the GND terminal.
於本發明之一實施例中,該近場通訊晶片係耦接該藍芽通訊晶片,藉由該藍芽通訊晶片之通用輸入/輸出接口(GPIO)耦接該安全元件。 In an embodiment of the present invention, the near field communication chip is coupled to the Bluetooth communication chip, and the security element is coupled to the security element through a general input/output interface (GPIO) of the Bluetooth communication chip.
於本發明之一實施例中,該近場通訊晶片及該藍芽通訊晶片係個別地耦接該安全元件。 In an embodiment of the present invention, the near field communication chip and the Bluetooth communication chip are individually coupled to the security element.
於本發明之一實施例中,該近場通訊天線線路係被配置於鄰近該下封裝體的邊緣且與該藍芽天線線路於該封裝體的垂直方向上係不重疊或重疊面積不超過該藍芽天線線路之面積的10%。 In an embodiment of the present invention, the near field communication antenna line is arranged adjacent to the edge of the lower package and does not overlap with the Bluetooth antenna line in the vertical direction of the package or the overlap area does not exceed the 10% of the area of the Bluetooth antenna line.
於本發明之一實施例中,該近場通訊天線線路與該藍芽天線線路於該封裝體的垂直方向上係不與該中間層封裝體組之該金屬鋪網層重疊。 In an embodiment of the present invention, the near field communication antenna line and the Bluetooth antenna line do not overlap with the metal mesh layer of the intermediate package group in the vertical direction of the package.
於本發明之一實施例中,該系統封裝之封裝體內的配置係使該行動支付卡被安裝至該行動通訊裝置內時,該近場通訊天線線路與該藍芽天線線路於該封裝體的垂直方向上係不與行動通訊裝置內之金屬網格元件重疊,且該近場通訊天線線路係鄰近該行動通訊裝置的側邊。 In one embodiment of the present invention, the configuration of the package of the system package is such that when the mobile payment card is installed in the mobile communication device, the near field communication antenna line and the Bluetooth antenna line are in the package The vertical direction does not overlap with the metal mesh element in the mobile communication device, and the near field communication antenna line is adjacent to the side of the mobile communication device.
據此,本發明揭露之線上支付的方法、程式產品及其行動支付卡,在藍芽通訊管道被使用於線上交易的流程中時,安全元件的訪問無需複雜的協議,且流程簡潔並包含了驗證機制,且藉由本發明實施例揭露之行動支付卡,更可帶來高可靠度、連線穩定度,並在同時具備近場通訊能力與藍芽通訊能力之行動支付卡下,達到應用層面更加廣泛的用戶體驗。 Accordingly, the online payment method, program product and mobile payment card disclosed in the present invention, when the Bluetooth communication channel is used in the online transaction process, the access of the secure element does not require complicated protocols, and the process is simple and includes The verification mechanism, and the mobile payment card disclosed in the embodiment of the present invention can bring high reliability, connection stability, and reach the application level under the mobile payment card with both near field communication capability and Bluetooth communication capability A wider user experience.
300:行動支付卡 300: Mobile payment card
310:作為用戶識別晶片的安全元件 310: As a security element of the user identification chip
312:支付安全元件 312: Payment Security Element
314:電信安全元件 314: Telecommunications Security Elements
320:藍芽通訊模組 320: Bluetooth communication module
322:藍芽通訊晶片 322: Bluetooth communication chip
324:藍芽通訊天線線路 324: Bluetooth communication antenna line
330:近場通訊模組 330: Near Field Communication Module
332:近場通訊晶片 332: Near Field Communication Chip
334:匹配電路 334: matching circuit
336:近場通訊天線線路 336: Near Field Communication Antenna Line
350:包覆材 350: Cladding
360:系統封裝之封裝體 360: Package body of system package
362:上封裝體 362: Upper package body
3622:觸點層 3622: contact layer
364:中間層封裝體組 364: Intermediate package body group
3642:金屬鋪網層 3642: Metal Laying Layer
366:下封裝體 366: Lower package body
E1:單線連接協議連接端(NFC控制器) E1: Single wire connection protocol connection terminal (NFC controller)
E2:ISO7816連接端(行動通訊裝置內的基頻晶片) E2: ISO7816 connector (baseband chip in mobile communication device)
E3:藍芽無線傳輸連接端(行動通訊裝置內的藍芽通訊模組) E3: Bluetooth wireless transmission connection terminal (Bluetooth communication module in mobile communication device)
E4:NFC無線傳輸連接端(外部NFC裝置) E4: NFC wireless transmission connection terminal (external NFC device)
d1:距離 d1: distance
S102~S112:步驟 S102~S112: steps
SE:安全元件 SE: secure element
BLE:藍芽通訊模組 BLE: Bluetooth communication module
BLE Chip:藍芽通訊晶片 BLE Chip: Bluetooth communication chip
NFC:近場通訊模組 NFC: Near Field Communication Module
[圖1]係為本發明一實施例之線上支付的方法流程圖。 [Figure 1] is a flowchart of an online payment method according to an embodiment of the present invention.
[圖2]係為本發明實施例於線上支付之資料流程過程的示意圖。 [Figure 2] is a schematic diagram of the data flow process of online payment in an embodiment of the present invention.
[圖3]係為本發明一實施例之行動支付卡的架構圖。 [Figure 3] is a structural diagram of a mobile payment card according to an embodiment of the present invention.
[圖4]係為本發明另一實施例之行動支付卡的架構圖。 [Figure 4] is a structural diagram of a mobile payment card according to another embodiment of the present invention.
[圖5]係為本發明再一實施例之行動支付卡的架構圖。 [Figure 5] is a structural diagram of a mobile payment card according to another embodiment of the present invention.
[圖6]係為本發明又一實施例之行動支付卡的架構圖。 [Figure 6] is a structural diagram of a mobile payment card according to another embodiment of the present invention.
[圖7]係為本發明一實施例之行動支付卡的剖面示意圖。 [Figure 7] is a schematic cross-sectional view of a mobile payment card according to an embodiment of the present invention.
[圖8]係為本發明一實施例之行動支付卡之下封裝體的架構圖。 [Figure 8] is a structural diagram of a package under the mobile payment card according to an embodiment of the present invention.
[圖9]係為本發明一實施例之行動支付卡之中間層封裝體組的架構圖。 [Figure 9] is a structural diagram of an intermediate package group of a mobile payment card according to an embodiment of the present invention.
[圖10]係為本發明一實施例之行動支付卡之上封裝體的架構圖。 [Figure 10] is a structural diagram of a package on a mobile payment card according to an embodiment of the present invention.
[圖11]係為本發明另一實施例之行動支付卡之下封裝體的架構圖。 [Fig. 11] is a structural diagram of a package under a mobile payment card according to another embodiment of the present invention.
為充分瞭解本發明之目的、特徵及功效,茲藉由下述具體之實施例,並配合所附之圖式,對本發明做一詳細說明,說明如後:於本文中,所描述之用語「包含、包括、具有」或其他任何類似用語意係非僅限於本文所列出的此等要件而已,而是可包括未明確列出但卻是該元件、封裝體、裝置或方法中通常固有的其他要件或步驟。 In order to fully understand the purpose, features, and effects of the present invention, the following specific embodiments are used in conjunction with the accompanying drawings to give a detailed description of the present invention. The description is as follows: In this article, the terms described " "Include, include, have" or any other similar terms are not limited to the elements listed in this article, but may include those that are not explicitly listed but are usually inherent in the element, package, device, or method Other requirements or steps.
於本文中,所描述之用語「一」來描述所述的元件、材料、封裝體等。此舉只是為了方便說明,並且對本發明之範疇提供一般性的意義。因此,除非很明顯地另指他意,否則此種描述應理解為包括一個或至少一個,且單數也同時包括複數。 In this text, the term "a" is used to describe the element, material, package, etc. This is just for the convenience of description and provides a general meaning to the scope of the present invention. Therefore, unless it is clearly stated otherwise, this description should be understood as including one or at least one, and the singular number also includes the plural number.
於本文中,所描述之用語「耦接」來描述所述的元件、晶片、裝置等其他描述功能元件或物等之間的連接關係,其可代表兩者間的直接連接或間接連接。兩者間可包含其他的元件、晶片、裝置等其他用於描述功能的元件或物等,並可同時達到兩者間在連接關係下所需達到的功能或動作。此外,各圖中區塊的大小尺寸僅是示意,除非於文中有明顯另指他意,否則並非為一種限制。 In this text, the term “coupled” is used to describe the connection relationship between the described elements, chips, devices and other functional elements or objects, etc., which can represent a direct connection or an indirect connection between the two. The two can include other elements, chips, devices, and other elements or objects used to describe functions, and can simultaneously achieve the functions or actions required by the connection between the two. In addition, the size and size of the blocks in each figure are only indicative, and unless otherwise clearly indicated in the text, they are not a limitation.
本文揭露之實施例係應用於具備藍芽通訊功能的一行動通訊裝置中,且該行動通訊裝置被配置有具備藍芽通訊功能的一行動支付卡,該行動 支付卡內並具有一安全元件,此外,亦可適用於具備無線傳真Wi-Fi傳輸能力、群蜂ZigBee無線傳輸能力或其他無線傳輸能力的行動通訊裝置,且該行動支付卡亦具備對應之Wi-Fi傳輸能力、群蜂ZigBee無線傳輸能力或其他無線傳輸能力。所述之行動通訊裝置可為智慧型手機、平板電腦、筆記型電腦、個人數位助理等或具備類似功能的電子裝置或泛稱為電腦裝置的裝置。該行動支付卡可為一種卡片式SIM(Subscriber Identity Module)卡,例如:Mini(迷你)SIM卡、Micro(微米)SIM卡或Nano(奈米)SIM卡。 The embodiment disclosed herein is applied to a mobile communication device with bluetooth communication function, and the mobile communication device is configured with a mobile payment card with bluetooth communication function. The payment card also has a secure element. In addition, it can also be applied to mobile communication devices with wireless fax Wi-Fi transmission capabilities, ZigBee wireless transmission capabilities, or other wireless transmission capabilities, and the mobile payment card also has corresponding Wi-Fi -Fi transmission capability, ZigBee wireless transmission capability or other wireless transmission capability. The mobile communication device can be a smart phone, a tablet computer, a notebook computer, a personal digital assistant, etc. or an electronic device with similar functions or a device generally referred to as a computer device. The mobile payment card can be a card type SIM (Subscriber Identity Module) card, such as a Mini (mini) SIM card, a Micro (micron) SIM card or a Nano (nano) SIM card.
在一實施例中,具備藍芽通訊功能的該行動支付卡係指於該行動支付卡內係搭載有藍芽通訊模組,該藍芽通訊模組並與該安全元件耦接,使得訪問該藍芽通訊模組即可具有訪問該安全元件的管道。現今行動通訊裝置大多內建藍芽通訊能力,這也使得藉由行動通訊裝置本體之藍芽通訊晶片來與該行動支付卡內的安全元件之間建立起溝通管道變得可能。此外,具備Wi-Fi通訊功能或群蜂ZigBee通訊功能之行動通訊裝置也日益增加,本發明之實施例即係藉由行動通訊裝置上常見之無線通訊管道以及於行動支付卡上亦具備對應之無線通訊管道來搭配。再者,本文之實施例係藉由流程上的特殊設計與安排來達到高便利性且亦具備驗證機制的行動支付流程。 In one embodiment, the mobile payment card with Bluetooth communication function means that the mobile payment card is equipped with a Bluetooth communication module, and the Bluetooth communication module is coupled with the secure element to allow access to the mobile payment card. The Bluetooth communication module can then have access to the secure element. Most of today's mobile communication devices have built-in Bluetooth communication capabilities, which also makes it possible to establish a communication channel with the secure components in the mobile payment card through the Bluetooth communication chip of the mobile communication device body. In addition, mobile communication devices with Wi-Fi communication functions or ZigBee communication functions are also increasing. The embodiments of the present invention use wireless communication channels commonly found on mobile communication devices and corresponding mobile payment cards. Wireless communication channels to match. Furthermore, the embodiment of this document is a mobile payment process with high convenience and verification mechanism through special design and arrangement on the process.
請參照圖1及圖2,圖1係本發明一實施例之線上支付的方法流程圖,圖2係為本發明實施例於線上支付之資料流程過程的示意圖。 Please refer to FIG. 1 and FIG. 2. FIG. 1 is a flowchart of an online payment method according to an embodiment of the present invention, and FIG. 2 is a schematic diagram of an online payment data flow process according to an embodiment of the present invention.
如圖1所示,線上支付的方法流程為:S102、響應一認證請求程序,以藍芽通訊方式無線傳輸對應的一認證命令封包。該認證命令封包即係要發送予安全元件。詳細地說,可參圖2,用戶可操作行動通訊裝置所搭載/安裝的應用程式(APP),發起一個交易(1),亦即產生一線上行動支付行為,所發起的交易會令該應用程式向一線上支付服務提供系統申請並啟動一認證請求程序(2), 再接收自該線上支付服務提供系統所傳送的一認證請求封包(3)。行動通訊裝置所搭載/安裝的應用程式於接收到該認證請求封包後,係解析該認證請求封包並據此產生一認證命令封包(4),並使該行動通訊裝置之一裝置端藍芽通訊模組(即行動裝置本身具有的藍芽通訊模組),以藍芽通訊方式無線傳輸該認證命令封包(5)。 As shown in Fig. 1, the process of the online payment method is as follows: S102, responding to an authentication request procedure, wirelessly transmitting a corresponding authentication command packet through Bluetooth communication. The authentication command packet is to be sent to the secure element. In detail, referring to Figure 2, the user can operate the application (APP) installed/installed on the mobile communication device to initiate a transaction (1), that is, generate an online mobile payment behavior, and the initiated transaction will cause the application The program applies to an online payment service providing system and starts a certification request process (2), Then receive an authentication request packet (3) transmitted from the online payment service providing system. After receiving the authentication request packet, the application installed/installed on the mobile communication device parses the authentication request packet and generates an authentication command packet (4) accordingly, and enables one of the mobile communication devices to communicate via Bluetooth The module (that is, the Bluetooth communication module of the mobile device itself) wirelessly transmits the authentication command packet (5) through Bluetooth communication.
該線上支付服務提供系統舉例來說例如第三方支付系統或銀行支付服務系統,其中,第三方支付系統並與銀行端有所合作與連結,本文所述之線上支付服務提供系統係泛指可供用戶進行驗證與支付的相關系統或其組合。 The online payment service provision system, for example, is a third-party payment system or a bank payment service system. The third-party payment system has cooperation and connection with the bank. The online payment service provision system described in this article refers to The related system or combination of user verification and payment.
接著如圖1之步驟S104、使行動支付卡以藍芽通訊方式接收該認證命令封包並無線傳輸對應所產生的一安全金鑰封包。詳細地說,可參圖2,該行動支付卡之一支付卡端藍芽通訊模組,以藍芽通訊方式無線接收該認證命令封包並解析之(6),再傳遞解析後的認證命令碼予安全元件的運作核心(7),安全元件對應回應出一安全金鑰碼(8),該支付卡端藍芽通訊模組組織成一安全金鑰封包(9)並藉由支付卡端藍芽通訊模組以藍芽通訊方式無線傳輸該安全金鑰封包(10)。 Then, in step S104 of FIG. 1, the mobile payment card receives the authentication command packet in the Bluetooth communication mode and wirelessly transmits a correspondingly generated security key packet. In detail, please refer to Figure 2. One of the payment card-side Bluetooth communication modules of the mobile payment card wirelessly receives the authentication command packet through Bluetooth communication and analyzes it (6), and then transmits the parsed authentication command code To the operating core of the secure component (7), the secure component responds with a secure key code (8). The payment card-side Bluetooth communication module is organized into a secure key packet (9) and is used by the payment card-side Bluetooth The communication module wirelessly transmits the security key packet (10) through Bluetooth communication.
接著如圖1之步驟S106、使行動通訊裝置之裝置端藍芽通訊模組接收該安全金鑰封包並提交至該線上支付服務提供系統。詳細地說,可參圖2,行動通訊裝置之裝置端藍芽通訊模組接收該安全金鑰封包並解析之(11),以提交該安全金鑰封包至線上支付服務提供系統(12)。 Then, in step S106 of FIG. 1, the device-side Bluetooth communication module of the mobile communication device receives the security key packet and submits it to the online payment service providing system. In detail, referring to Figure 2, the device-side Bluetooth communication module of the mobile communication device receives the security key packet and parses it (11) to submit the security key packet to the online payment service providing system (12).
接著如圖1之步驟S108、使行動通訊裝置接收線上支付服務提供系統之認證結果,於認證成功後並以藍芽通訊方式無線傳輸對應的一支付請求封包。詳細地說,可參圖2,線上支付服務提供系統依據所接收的該安全金鑰封 包進行認證,舉例來說,用於確認該安全金鑰封包是否與用戶預先建置者相符,再將認證結果發送至行動通訊裝置(13)。行動通訊裝置並於確認認證成功後(14)對應產生一支付請求封包(15),行動通訊裝置以藍芽通訊方式無線傳輸該支付請求封包(16)。 Then, in step S108 of FIG. 1, the mobile communication device is made to receive the authentication result of the online payment service providing system, and after the authentication is successful, a corresponding payment request packet is wirelessly transmitted by Bluetooth communication. In detail, refer to Figure 2. The online payment service provider system seals the security key according to the received security key. The packet is authenticated. For example, it is used to confirm whether the security key packet matches the one pre-built by the user, and then the authentication result is sent to the mobile communication device (13). After confirming that the authentication is successful (14), the mobile communication device generates a payment request packet (15) correspondingly, and the mobile communication device wirelessly transmits the payment request packet (16) through Bluetooth communication.
接著如圖1之步驟S110、進行支付請求程序。詳細地說,可參圖2,該行動支付卡依據藉由該支付卡端藍芽通訊模組所接收的該支付請求封包(17)提交至安全元件進行支付動作(18、19),並藉由該支付卡端藍芽通訊模組無線傳輸該安全元件所回應產生的一支付結果報告封包(20)至該行動通訊裝置之裝置端藍芽通訊模組(21)。 Then, in step S110 shown in Figure 1, the payment request procedure is performed. In detail, referring to Figure 2, the mobile payment card submits the payment request packet (17) received by the payment card terminal's Bluetooth communication module to the secure element for payment (18, 19), and borrows The payment card-side Bluetooth communication module wirelessly transmits a payment result report packet (20) generated in response to the secure element to the device-side Bluetooth communication module (21) of the mobile communication device.
接著如圖1之步驟S112、完成線上行動支付程序。詳細地說,可參圖2,該行動通訊裝置之裝置端藍芽通訊模組接收該支付結果報告封包(22)並顯示相關支付結果(23)予用戶知悉。 Then, in step S112 as shown in Figure 1, the online mobile payment procedure is completed. In detail, referring to Figure 2, the device-side Bluetooth communication module of the mobile communication device receives the payment result report packet (22) and displays the relevant payment result (23) for the user to know.
其中,於該步驟S108中之於該線上支付服務提供系統之認證成功後且在產生該支付請求封包前,更包含下述附加的認證程序中之至少其一:一者為用戶識別資訊認證程序、一者為用戶密碼認證程序。這些附加的認證程序可以被執行其一或是皆被執行,於皆執行的情況下,該二者認證程序無先後順序之限制。 Wherein, after the authentication in the online payment service providing system in step S108 is successful and before the payment request packet is generated, at least one of the following additional authentication procedures is further included: one is a user identification information authentication procedure 1. One is the user password authentication program. These additional authentication procedures can be executed either or both of them. In the case of both of them, there is no restriction on the order of the two authentication procedures.
該生物特徵資訊的認證程序係使該行動通訊裝置取得一生物特徵資訊,並與該行動通訊裝置內儲存之用戶生物特徵資訊進行比對,於比對成功後始認證成功。舉例來說,該生物特徵資訊可包含下述至少其一者:用戶指紋資訊(透過行動通訊裝置之指紋辨識模組)、用戶臉部資訊(透過行動通訊裝置之相機模組)、用戶瞳孔資訊(透過行動通訊裝置之相機模組)、用戶聲紋資訊(透 過行動通訊裝置之收音模組)等,亦即,用戶可預先建置一生物特徵資訊或複數生物特徵資訊,而該用戶識別資訊認證程序則可運行單一種生物特徵資訊的認證或是運行複數種生物特徵資訊的認證。 The biometric information authentication process enables the mobile communication device to obtain a biometric information, and compare it with the user's biometric information stored in the mobile communication device, and the authentication succeeds after the comparison is successful. For example, the biometric information may include at least one of the following: user fingerprint information (through the fingerprint recognition module of the mobile communication device), user face information (through the camera module of the mobile communication device), and user pupil information (Through the camera module of the mobile communication device), user voiceprint information (transparent Through the radio module of the mobile communication device), that is, the user can pre-build a biometric information or plural biometric information, and the user identification information authentication process can run the authentication of a single biometric information or run a plurality of biometric information. A certification of biometric information.
該用戶識別資訊的認證程序係使該行動通訊裝置取得一密碼資訊,並與該行動通訊裝置內儲存之用戶密碼資訊進行比對,於比對成功後始認證成功。如此,透過用戶認證流程需用戶本身的參予,可進一步確保此線上交易係為用戶本身知悉的交易,在通過後始得產生該支付請求封包。 The authentication procedure of the user identification information enables the mobile communication device to obtain a password information, and compare it with the user password information stored in the mobile communication device, and the authentication is successful after the comparison is successful. In this way, the user's own participation is required through the user authentication process, which can further ensure that the online transaction is a transaction that the user himself knows, and the payment request packet can only be generated after it is passed.
如前述所述之方法,用來執行此等方法的程式可為一種可供下載的程式產品(如:線上商城的應用程式APP或是應用程式APP內嵌的支付服務程式),在下載至具備藍芽通訊功能的行動通訊裝置並運行於一作業系統上(移動操作系統,Mobile OS,如下述作業系統名稱或已註冊商標之:Android、iOS、Symbian、Windows Phone和BlackBerry OS),以及在該行動通訊裝置被配置有一具備藍芽通訊功能的行動支付卡後(例如安裝具備藍芽傳輸功能一行動支付卡),於該程式產品被執行時,隨著用戶的交易支付確認之選擇,即可令該行動通訊裝置及該行動支付卡協同來執行前述之方法步驟,進而可使支付交易的流程簡潔且包含了驗證機制,無需過度複雜的各種協議,也讓行動支付各個環節上的供應單位能夠快速且便捷有效地投入各種應用。前述之程式產品亦可被儲存至一電腦可讀取媒體,並於電腦裝置安裝該電腦可讀取媒體後,執行如前述之支付方法。 As mentioned above, the program used to execute these methods can be a downloadable program product (such as the application APP in the online mall or the payment service program embedded in the application APP). The mobile communication device with Bluetooth communication function runs on an operating system (mobile operating system, Mobile OS, such as the following operating system names or registered trademarks: Android, iOS, Symbian, Windows Phone and BlackBerry OS), and After the mobile communication device is equipped with a mobile payment card with bluetooth communication function (for example, a mobile payment card with bluetooth transmission function is installed), when the program product is executed, the user's transaction payment confirmation selection is sufficient. Make the mobile communication device and the mobile payment card cooperate to perform the aforementioned method steps, thereby making the payment transaction process simple and including a verification mechanism, without overly complex various agreements, and allowing the supply units in each link of the mobile payment to be able to Quickly, conveniently and effectively put into various applications. The aforementioned program product can also be stored in a computer readable medium, and after the computer readable medium is installed on the computer device, the aforementioned payment method is executed.
接著請參閱圖3,係本發明一實施例之行動支付卡的架構圖。於圖3~10的實施例係以nano SIM尺寸的行動支付卡300作為示例。如圖3所示,行動支付卡300上配置有:作為用戶識別晶片的安全元件310、藍芽通訊晶片322及
近場通訊模組330。該近場通訊模組330具有:近場通訊晶片332、匹配電路334及近場通訊天線線路336,該近場通訊天線線路336係耦接該匹配電路334,透過該匹配電路334使近場通訊晶片332內的NFC IC所送出的能量得以最大化地傳遞給近場通訊天線線路336(調制自天線端接收之NFC感應訊號),該近場通訊晶片332則可包括NFC IC與LC濾波器或是採用近場通訊標籤非接觸式前端(NFC Tag Contactless Front-end,NFC TCF)。其中,該藍芽通訊晶片322所搭配之藍芽通訊天線於本圖中係未表示之,可參閱圖6及圖10。
Next, please refer to FIG. 3, which is a structural diagram of a mobile payment card according to an embodiment of the present invention. The embodiments shown in FIGS. 3-10 take a nano SIM-sized
如圖3所示,該藍芽通訊晶片322係耦接該安全元件310,而該近場通訊晶片332則是耦接該藍芽通訊晶片322,該近場通訊晶片332透過該藍芽通訊晶片322之通用輸入/輸出接口(GPIO),例如:使用SPI或UART介面,用以耦接至該安全元件310,此實施例係受限於該安全元件310的規格,該安全元件310係屬於單一介面,故需要令該近場通訊晶片332透過該藍芽通訊晶片322之通用輸入/輸出接口(GPIO)來耦接至該安全元件310,一般來說為一種單介面但具備大容量的安全元件。
As shown in FIG. 3, the
於圖3的示例下,該行動支付卡300同時具備藍芽通訊晶片322及近場通訊晶片332,使得作為NFC無線傳輸連接端E4之外部NFC裝置,可透過近場通訊晶片332訪問該安全元件310。於行動通訊裝置內的NFC控制器(圖未示)也可以透過單線連接協議(SWP),經由該行動支付卡300之SWP端(E1)訪問該安全元件310。C1(VCC)、C2(RST)、C3(CLK)、C5(GND)、C7(I/O)等五個接腳是常規下之SIM卡的接腳,SIM卡與NFC晶片的介面包括三根線:VCC(C1)、GND(C5)、SWP(C6)。透過ISO7816連接端E2耦接該安全元件310與行動通訊裝
置內的基頻晶片(Baseband Processor)。藉由該藍芽通訊晶片322而無線連接該行動通訊裝置內本即具有的/外接的藍芽無線傳輸連接端E3。
In the example of FIG. 3, the
此外,該安全元件310的電源來源端可為該VCC端子與該GND端子,並透過該藍芽通訊晶片322及該近場通訊晶片332耦接該VCC端子與該GND端子,使該安全元件310的供電受控於該藍芽通訊晶片322或該近場通訊晶片332,進而可於支付動作進行時始致能該安全元件310至高功耗的用電狀態,其餘時間可令該安全元件310處於低耗電狀態,進一步節省功耗。
In addition, the power source of the
接著請參閱圖4,係本發明另一實施例之行動支付卡的架構圖。於圖4的實施例下,係為一種具雙介面(包含接觸介面及非接觸介面)但具備小容量的安全元件,故該近場通訊晶片332及該藍芽通訊晶片322可個別地耦接該安全元件310。
Next, please refer to FIG. 4, which is a structural diagram of a mobile payment card according to another embodiment of the present invention. In the embodiment of FIG. 4, it is a security element with dual interfaces (including contact interface and non-contact interface) but with small capacity. Therefore, the near
接著請參閱圖5,係本發明再一實施例之行動支付卡的架構圖。於圖5的實施例下,前述作為用戶識別晶片的安全元件具有分離的一支付安全元件312及一電信安全元件314。該支付安全元件312係藉由不同的接口個別地耦接該藍芽通訊晶片322及該近場通訊晶片332。該電信安全元件314則是藉由該VCC端子、該RST端子、該CLK端子、該I/O端子及該GND端子耦接行動通訊裝置的基頻晶片,形成ISO7816連接端E2。該電信安全元件314並藉由該VCC端子(C1)、該GND端子(C5)、該SWP端子(C6)耦接行動通訊裝置的NFC控制器,以形成單線連接協議連接端E1。
Next, please refer to FIG. 5, which is a structural diagram of a mobile payment card according to another embodiment of the present invention. In the embodiment of FIG. 5, the aforementioned security element as the user identification chip has a separate
接著請參閱圖6,係本發明又一實施例之行動支付卡的架構圖。於圖6的實施例下,係未具備前述之近場通訊模組330。圖6中,係示例出藍芽通訊模組320之藍芽通訊天線324,其係被配置於行動支付卡300的邊緣。
Next, please refer to FIG. 6, which is a structural diagram of a mobile payment card according to another embodiment of the present invention. In the embodiment of FIG. 6, the aforementioned near
接著請參閱圖7,係本發明一實施例之行動支付卡的剖面示意圖。用於運行前述之線上支付方法的行動支付卡必須整合該藍芽通訊模組320與作為用戶識別晶片的安全元件310,較佳地係更整合該近場通訊模組330,於圖8~10係以整合有該藍芽通訊模組320、該近場通訊模組330及作為用戶識別晶片的安全元件310為例。
Next, please refer to FIG. 7, which is a schematic cross-sectional view of a mobile payment card according to an embodiment of the present invention. The mobile payment card used to run the aforementioned online payment method must integrate the
如圖7所示,行動支付卡,包含:包覆材350及系統封裝之封裝體360。該包覆材350舉例來說可為:聚氯乙烯(PVC)、丙烯腈(ABS)或其組合之塑料,或者是其他適用於配置SIM卡的材料。該系統封裝(System in Package)之封裝體360係有別於傳統的SIM卡製作過程,而是在一IC封裝體中,包含一晶片或複數晶片,再加上如被動元件、電容、電阻、連接器、天線等任一元件以上之封裝,形成多個分立元器件直接封裝在一起的封裝體,而類似於封裝體的集成。
As shown in FIG. 7, the mobile payment card includes: a covering
如圖7所示,該封裝體360包含:一上封裝體362、一下封裝體366及一中間層封裝體組364。該上封裝體362具有複數金屬觸點及一藍芽天線線路(可參閱圖10),各該金屬觸點係至少部分未被該包覆材360所包覆,以顯露出前述之SIM卡的接腳。
As shown in FIG. 7, the
接著請參閱圖8,係為本發明一實施例之行動支付卡之下封裝體的架構圖。該下封裝體366具有藍芽通訊晶片322、近場通訊模組330及一作為用戶識別晶片的安全元件310。
Next, please refer to FIG. 8, which is a structural diagram of a package under the mobile payment card according to an embodiment of the present invention. The
接著請參閱圖9,係為本發明一實施例之行動支付卡之中間層封裝體組的架構圖。該中間層封裝體組364可包含至少一中間層封裝體,其主要係作為該上封裝體362與該下封裝體366之間的電性耦接之布局,或作為該上封裝體362與該下封裝體366上之各元件間的電性耦接之布局。該中間層封裝體組364
係位於該下封裝體366之該下基板的上側與該上封裝體362之上基板的下側間。中間層封裝體具有一金屬鋪網層3642及複數佈線連接點,圖9中係僅以一區域的金屬鋪網層3642來示意之。該金屬鋪網層3642之外圍含括(亦即以該金屬鋪網層3642的外圍來計算)的面積係小於該上封裝體362或該下封裝體366之至少其一,亦即,該金屬鋪網層3642以外圍含括起來的面積係被受限在一預定的範圍內,以使本發明一實施例之行動支付卡可被封裝成一封裝體,並使各元件的功能正常無虞。其中,所述之該等佈線連接點係使該上封裝體362與該下封裝體366相耦接,或作為該上封裝體362與該下封裝體366上之各元件間的電性耦接之布局。此外,該金屬鋪網層3642係可提供散熱佳的效果,以及使該行動支付卡在過例如:SMT IR reflow的製程時,基板的翹曲可被控制在理想範圍內,同時該金屬鋪網層3642亦可提供RF高頻抗干擾的效果。
Next, please refer to FIG. 9, which is a structural diagram of an intermediate package group of a mobile payment card according to an embodiment of the present invention. The middle-
接著請參閱圖10,係為本發明一實施例之行動支付卡之上封裝體的架構圖。上封裝體362具有複數金屬觸點形成之觸點層3622及一藍芽天線線路324,各該金屬觸點係至少部分未被該包覆材350所包覆,以顯露出前述之SIM卡的接腳,如用戶身份識別模組(Subscriber Identity Module,SIM)的一連接端子組,該連接端子組係具有:VCC端子、RST端子、CLK端子、I/O端子、GND端子及SWP端子。
Next, please refer to FIG. 10, which is a structural diagram of a package on a mobile payment card according to an embodiment of the present invention. The
如圖8~10所示,將該等封裝體疊合,即為系統封裝(System in Package)之封裝結果,該藍芽天線線路324係被配置於鄰近該上封裝體362的邊緣。進一步地,該藍芽天線線路324係為直條狀並具有一轉折而呈「L」型,其中,該藍芽天線線路324距該上封裝體的外緣係為3.9mm至4.7mm間的距離d1。
As shown in FIGS. 8 to 10, the stacking of these packages is the packaging result of System in Package. The
於一實施例中,該藍芽天線線路324較佳係不與該中間層封裝體組之該金屬鋪網層3642於該封裝體360的垂直方向上重疊。此外,該近場通訊天
線線路336係被配置於鄰近該下封裝體366的邊緣且與該藍芽天線線路324於該封裝體360的垂直方向上係不重疊或重疊面積不超過該藍芽天線線路324之面積的10%。再者,該近場通訊天線線路336與該藍芽天線線路324近一步地亦可於該封裝體360的垂直方向上不與該中間層封裝體組之該金屬鋪網層3642產生重疊。其中,所述封裝體的垂直方向係指薄片狀的支付卡表面上的法線方向。
In one embodiment, the
再進一步地,該封裝體360的設計可依據所要搭載的行動通訊裝置內部的結構配置來進行對應的設計,亦即,該系統封裝之封裝體360內的配置係使該行動支付卡300被安裝至該行動通訊裝置內時,該近場通訊天線線路336與該藍芽天線線路324於該封裝體360的垂直方向上係不與該行動通訊裝置內之任意的金屬網格元件或金屬片體重疊,且該近場通訊天線線路336的位置係可鄰近該行動通訊裝置的側邊。
Furthermore, the design of the
此外,該近場通訊天線線路336可被配置於鄰近該下封裝體366的邊緣的其他處,如圖11所示之本發明另一實施例之行動支付卡之下封裝體的架構圖,圖11所示為鄰近該下封裝體366的上邊緣,應了解的是,該近場通訊天線線路336也可被配置在鄰近該下封裝體366的左邊緣或下邊緣,舉例來說,可依據對應使用之行動通訊裝置的內部設計來做對應的安排,以使該行動支付卡300被安裝至行動通訊裝置內時,該近場通訊天線線路336可靠向行動通訊裝置本體的四個側緣。其中,圖8~11所示之架構圖係表示出各該封裝體上具有的電路模塊,以供了解實施例中的電路區塊的配置情形,並無闡明線路的交疊連接方式。
In addition, the near field
綜合上述,本發明揭露之線上支付的方法、程式產品及其行動支付卡,在藍芽通訊管道被使用於線上交易的流程中時,安全元件的訪問無需複 雜的協議,且流程簡潔並包含了驗證機制,且藉由本發明實施例揭露之行動支付卡之封裝體的細部配置,更可帶來高可靠度、提高穩定度,並在同時具備近場通訊能力與藍芽通訊能力之行動支付卡下,達到應用層面更加廣泛的用戶體驗。 In summary, the online payment method, program product and mobile payment card disclosed in the present invention require no repetition of access to secure components when the Bluetooth communication channel is used in the online transaction process. Complex protocols, concise flow and include verification mechanism, and the detailed configuration of the package body of the mobile payment card disclosed in the embodiment of the present invention can bring high reliability, improve stability, and have near field communication at the same time With the mobile payment card of capabilities and Bluetooth communication capabilities, a wider user experience at the application level is achieved.
本發明在上文中已以較佳實施例揭露,然熟習本項技術者應理解的是,該實施例僅用於描繪本發明,而不應解讀為限制本發明之範圍。應注意的是,舉凡與該實施例等效之變化與置換,均應設為涵蓋於本發明之範疇內。因此,本發明之保護範圍當以申請專利範圍所界定者為準。 The present invention has been disclosed in a preferred embodiment above, but those skilled in the art should understand that the embodiment is only used to describe the present invention and should not be construed as limiting the scope of the present invention. It should be noted that all changes and substitutions equivalent to this embodiment should be included in the scope of the present invention. Therefore, the protection scope of the present invention should be defined by the scope of the patent application.
S102~S112:步驟 S102~S112: steps
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TW201411514A (en) * | 2012-09-03 | 2014-03-16 | China Unionpay Co Ltd | Payment method based on mobile communication device, mobile communication device, and smart card |
CN203102335U (en) * | 2013-02-04 | 2013-07-31 | 成都摩宝网络科技有限公司 | Handset payment card having USB interface and SIM interface |
TWI567668B (en) * | 2013-02-05 | 2017-01-21 | 徐嘉宏 | Portable payment assembly |
CN106030636A (en) * | 2014-02-21 | 2016-10-12 | 维萨国际服务协会 | System and method for transmitting and receiving transaction information |
CN204374997U (en) * | 2015-01-29 | 2015-06-03 | 国民技术股份有限公司 | Sim card and mobile terminal |
TWM545956U (en) * | 2017-04-28 | 2017-07-21 | Liang-Ji Hong | Mobile payment system |
Also Published As
Publication number | Publication date |
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TW201928818A (en) | 2019-07-16 |
CN208547966U (en) | 2019-02-26 |
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