TWM410932U - Mobile device capable of displaying barcode for electronic transaction and integrated circuit film thereof - Google Patents

Abstract

A mobile device is provided for performing transactions with a barcode reader, and the barcode reader is further connected to a transaction platform. The mobile device includes an identification module, a memory, a processor, and a display. The identification module provides an ID code; the memory, e.g., a removable memory card, is provided for storing an application; the processor executes the application, so that in response to a transaction command and a personal password (or other user identification data) inputted by the user, the application is executing to generate an One Time Password (OTP), and generate barcode data according to the OTP, the account password and the ID code for the barcode reader, whereby the barcode reader retrieves the OTP for verification and sends the personal password and the ID code to the transaction platform for the completion of transaction.

Description

Μ41Ό932 Case No.: 99224104 Correction and replacement page on April 29, 100. New description: [New technical field] This is a mobile device that can display bar code images for mobile electronic transactions or paperless transactions. It is a mobile device that can display barcode images for e-wallet, micropayment, value-added, membership identification, or membership service. [Prior Art] A conventional technique for replacing a physical printed bar code with a digital bar code image can be referred to the following patent documents: US Pat. No. 5,939,699, US Pat. No. 6,082,620, US Pat. No. 6,877,661; US Patent Publication No. US Pub. 20010051915, US Pub 2002/ 0023027 > US Pub. 20030230630 > US Pub. 20060218627 > US Pub. 2009294539; Korean Patent Publication No. KR20〇6〇132763; Japanese Patent Publication No. JP2009023013. The above-mentioned prior art can be applied to electronic transactions with reference to the above, but the emphasis is placed on the part of authentication, and the above-mentioned conventional techniques are quite different from the general trading habits 'can not be compared with the current electronic transactions. The integration of platforms (especially handheld trading platforms) will inevitably require additional large construction costs. [New content]

At present, many credit cards or debit cards are smart cards containing chips, and EMV is a POS terminal for smart cards and chip cards in the international financial industry, as well as banking institutions. Standard specifications for professional trading and certification established by widely installed ATMs. In addition, for example, Taiwan's Easy Card or Hong Kong's Octopus card (〇ct〇pLIS 4 M410932 Case number: 99224104, April 29, 100 amendments - replacement page

Card), in addition to being an electronic ticket for the mass transit system, also has the functions of an electronic wallet or a micro payment or an add vaiue. Therefore, it has become a habit of people to use these "financial cards" or "transaction smart cards" for electronic transactions or as electronic tickets. These existing physical smart card trading platforms, such as the EMV mentioned above, must generally follow the laws and regulations established by the government or international organizations, which is one of the main reasons for the above-mentioned prior art development. In addition, the 'existing "financial card" or "transaction smart card" cannot be combined with the hand-held mobile device as "last mile", resulting in the combination of the prior art in action business and the combination of the business and business. The promotion has never been further developed. , electronic in;:,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

The use of speed combined with physical and virtual channel resources, effectively promote the mobile device with the existing popular bar code ^ bar image line (financial card μχ and wisdom to cut FH silk generation entity's smart card system system needs silk. Sand in other back-end cards (financial cards) and back-end transactions 'J as an example system using bar code shadows more specifically, corresponding to the entity's knowledge platform must have data interaction in the father's time, this 4Μ0932 case number :99224104 100年04月29曰修正-Replacement page corresponding to the data interaction. The parent-friendly platform provides the wireless receiver module for the smart image and the mobile device to achieve the "data interaction" here. Also included in the transaction completion, the smart card Cardholder's transaction confirmation message.

= = = = = 3 Limitations of the ability, for example, can only use the single-action device to replace the body ^ parent easy smart card 'money with the line to receive, provide the electronic transaction confirmation message to replace the existing ==: : Fully achieving "paperless" = In one embodiment, the present disclosure discloses a mobile device for electronic transactions using a bar code pickup device, and the bar code reading device is further linked to the transaction platform. The mobile device includes a touch, a note (four), a processing circuit, a display screen, and a wireless receiving module. The identification module provides an identification code; the memory stores the application; the processing circuit executes the application, and the processing circuit executes the application to generate a one-time password (οτρ) according to the user, and according to the one-time password and the user input The personal password and the identification code generate barcode image data; the display screen displays the barcode image according to the barcode image data to the barcode master device, whereby the barcode reading device retrieves the one-time password for verification and transmits the personal password and the identification code to the transaction. The platform completes the transaction. The wireless receiving group receives a transaction confirmation message issued by the trading platform for the mobile device based on the identification code. 6 Μ 41Ό 932 In another embodiment, the present disclosure discloses a mobile device for a user to electronically trade through a bar code t-buy device, the bar code reading device being further coupled to the transaction platform. The mobile device includes an identification module, an account data module (recording body, processing circuit, display screen, and wireless receiving module, identification module ^ identification code; account data module maintenance account balance (acc〇um balance) data; ' Memory storage should be practiced; processing to execute the application, and the respondent enters the transaction instruction 'processing circuit to execute the application to generate:, according to the secondary password, account balance (four), and identification code =, code = like the material 'The display screen displays the barcode image to the barcode reading device according to the barcode image, the barcode reading device exercises the __ sister password to carry out the certificate and transmits the account_ID and the identification code to the trading platform, and the line receiving module receives the transaction. The platform is based on the identification code for the mobile device:: out d and the message contains a transaction confirmation command. In response to the "~ 曰々, the account negative module updates the account balance data. In another embodiment, the creation A mobile device is disclosed for electronic transaction of a bar code reading device, and the bar code reading device further includes a mobile device including an identification module, a wireless receiving module, and a memory=where The circuit and the display screen. The identification team provides the identification code; the benefit line interface group receives the parent-friendly platform according to the identification code and includes the transaction code for the information system; the memory storage application=type' and the user-involved transaction The instruction, the processing circuit executes the application to produce the first name of the poor card, and the transaction code generates the stone ^ like nit: ya according to the one-time password and Qin according to the bar code image data display, the horse ~ like "code is taken i" Barcode reading device capture - sub-sexual density 7 Μ 41Ό 932 Case number: 99224104 100 years April 29 曰 correction - replace the page number for verification and transfer the transaction code to the transaction flat In another embodiment, the creative stick reads through the barcode The device is equipped with an electronic six/1 device for users to connect with the platform. The bar code reading device is in step and intersection, the processing circuit, the display group, the account data module 'group' memory identification code. W Road picks up her group. The reliance group provides the program; the processing circuit balance f material; the memory stores the application password, the user enters it~/generates the one-time weight, and displays the sacred secret code according to one time; ;m, and knowledge = Line code image data; thereby the stripe reading device is sent to the bar code reading device, and the identification code is transmitted to the transaction code to verify and the transaction amount is easy for the platform to be based on the identification code Transaction. The receiving module of the wireless receiving module includes a transaction confirmation command: the message sent by the mobile device, and the group updates the account balance data. According to the parent easy confirmation command, the account data module is in another embodiment, The bar code reading device performs a mobile device to reveal a mobile device for the user to connect with the platform. The mobile device=sub-family is easy, the bar code reading device is further connected with the body, the processing circuit, the display module, the account module, and the account data module. The memory module maintains the account balance screen. The identification module provides the identification code; the account capital execution application program, in response to the memory storage application; and the processing circuit application to generate the one-time transaction order. The processing circuit executes the transaction amount, identifies and identifies the second idiot, and displays the product according to the one-time password and the user's barcode image data. Barcode image data: Display the screen according to the shirt image to the bar code reading device, and thus read the bar code 8 Μ 41Ό932 Case number: 99224104 100 April 29th correction - Replacement page Jun set to retrieve a one-time password for verification and the transaction amount And the identification code is transmitted to the trading platform to generate a transaction code. The application updates the account balance data in response to the user entering the transaction code. These features and advantages of the present invention will become more apparent from the following description and the appended claims. [Embodiment]

<Electronic Trading System> Figure 1 shows an electronic transaction system (or electronic ticketing system) 100 in an embodiment. The electronic transaction system 100 includes a server 102 and a POS terminal 104 that includes a bar code reading device 106. The server 1〇2 and the p〇s terminal device 104 may be referred to as an electronic parent device platform, in some embodiments, The server IQ and even the POS terminal 104 can be integrated, and the creation is not intended to be limiting. In this embodiment, the feeder 102 and the P〇s terminal 1〇4 are installed on the existing yos network. Therefore, the server 1() 2 and the p〇s terminal can be exclusively πί rainbow to ensure the transaction. Security, but also through the open Internet, but its = material, transmission is better to require additional encryption, this part can refer to the existing p〇s trading entity smart card trading system, system, this creation does not want to = this Xi Bu, although the map! Only the edge shows a feeding device 1〇2, but this technique can be used to include multiple _(four) identifiable service providers (for example, banks, financial companies: Through the network link, to construct a complete electronic, each other. % child father platform and telecommunications

Also shown is a mobile device that can communicate with the server ι〇2 = 41Ό932 = for example, a mobile phone or a personal digital help network 10 (or other wireless network). U Ming's 疋 'Even if the server 1G2 and the mobile device can use the mobile phone network or other recording network bi-directional track, in the following examples, only the server 1G2 needs to pass the mobile phone network 10 or other wireless The one-way communication of the network to the mobile device can be reduced through the mobile phone network 10 or other wireless network, and the power loss of the mobile device and the communication cost interceptor <mobile device>

As shown in FIG. 2A, the mobile device has an identification module 2〇2, a memory 204, a processing circuit 206, a wireless receiving module 2〇8, a display screen 21〇, an account data module 212, and other inputs. Output farms (such as keyboard, microphone, conference, etc., not shown). The mobile device can communicate wirelessly with the server 1 () 2 via a mobile phone network or other wireless network, and the identification module provides an identification code ID for use in a mobile phone network or a wireless network. It is used to identify the mobile device 200, and the server 1〇2 can thereby send a dedicated message to the specific mobile device f 200. Take the mobile phone for you! The identification module 2〇2 may identify the 杈 group 202 in the other wireless network by using the IMSI code, the [MEI code, the universal serial number of the SIM card, and/or the mobile phone number, or a combination thereof as the identification code ID. The MAC address or the given address of the ιρ can be used as the identification code. The code of the application 204 can be used to store the code of the application Ap, which can be a flash memory or a ROM memory, and the memory 2 〇4 can be built into mobile device 200 (for example, as a built-in solid state drive), or can be removably placed in M410932 Action P quit, 100 years April 29 曰 Correction - Replacement page 206, iml as Removed SD memory card). The H.Central processor (CPU) in the processing circuit is used to execute the storage in the memory 204 oblique, the second program AP 'and generate a one-time password (〇TP) and the barcode image code code Jing Ying screen 21G secret code image The data age bar code image is given to the strip 2 & device its sub-password can be matched with the above identification code ID-electr〇nic certiflcate. This section is described in U.S. Patent Publication No. pub 2_294539, but more details are described in the "Account 3" data module 212 and subsequent different embodiments. The wireless receiving module can be an SMS message module, whereby the trading platform ι〇2 糸 uses SMS messages to communicate with the mobile device. However, the wireless receiving module 2〇8 can also be an email template or an instant transmission module. It should be noted that if the mobile device 200 (for example, a mobile phone of the GSM system) needs to insert a SIM card to use the mobile phone network or wireless network service, the memory 204 and/or the processing circuit 2〇6 It can be set on the SIM card (such as the SIM card 250 shown in FIG. 2B) or on the integrated circuit patch attached to the SIM card (as shown in FIG. 2B attached to the SIM card 25). Integrated circuit patch 290) 'The above application AP can be STK (SIM Αρρ^^(10)

The way of Toolkit) is provided to the mobile device 200. 2C further shows an integrated circuit chip 29A that can be attached to the SIM card 250, having a flexible circuit board 292 and an integrated circuit chip 294. The integrated circuit chip 294 is disposed on the flexible circuit board 292, and the memory 204 is disposed on the integrated circuit chip 294 to store the application AP and is accessed by the processing circuit 206 to execute the application program AP. Alternatively, processing circuit 206 can also be disposed on integrated circuit die 294. In addition, as shown in FIG. 2C, the 'integrated circuit patch 29 is electrically connected to the electrical contact pad 256 of the S:丨 VI card 250 through the electrical contact pad 296 to transmit 41Μ932. Case number: 99224104 100 April 29曰 Amendment - Replace page notification number. For an integrated circuit patch of this type, reference may be made to the description of such integrated circuit patches in U.S. Patent Nos. 7,1981,999, 7,303,137 or Taiwan Patent Application No. 98,144,154, <First Embodiment> FIG. 3 shows an embodiment of a transaction in which a mobile device or a charge card is used to replace a physical credit card or a charge card, in this embodiment, like a general physical credit card or a charge card user's transaction account. The data (including account balance information) is maintained by the remote server 102, and the remote server 1〇2 and a personal password (or other similar user identification information) are pre-set corresponding to the user's transaction account. At step 300, the user indicates at the POS terminal 104 that the mobile device 200 is to be used for payment, and the mobile device 2 executes the application Ap, requiring the user to enter a transaction command and a personal password (or other similar user identification). News). In step 302, the processing circuit 206 generates a one-time password (OTP) in response to the transaction command and generates at least the TP, the personal password entered by the user, and the identification code ID maintained by the identification module 2〇2. A piece of code image data 'It should be noted that the processing circuit can also add other data to the bar code image data. This creation does not want to be restricted. For example, the account number pre-stored by the application can be added, but this account The number is also not required 'for example, the server 1〇2 can associate the identification code 352〇2 维护 维护 维护 维护 维护 维护 ) ) 关联 帐户 帐户 帐户 帐户 帐户 帐户 帐户 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此 因此The corresponding account number. Alternatively, the M410932 may be added as an electronic transaction voucher, and the display screen 210 displays the bar device 106 based on the bar code image data. data. In step 304, the code image is given to the barcode reading case number: 99224104 100 years 〇 April 29th correction - the replacement page end device 106 extracts the password from the butterfly to the money 2, the machine is verified, and the user is authenticated. Entered person

The user's private knowledge is transmitted to the servo 11 1G2, where the servo 11 102 can be password-enabled for further verification. The above-mentioned work for OTP verification is described in the above-mentioned Guoguo Patent Publication No. US Pub. 2009294539. In step 308 there is sufficient balance, amount to execute the transaction. If the server 102 determines that the verification is successful and the account is judged, the transaction entered according to the POS terminal terminal 1〇4 is in the step 310, the ship 1〇2 and then the transaction details are transmitted through the mobile phone network according to the identification code ω. The road or other wireless network is sent to the mobile device and received by the wireless receiving module 208 to inform the user that the transaction has been completed and the transaction details are no longer needed as the conventional practice is just worthy by the p〇s terminal. It is noted that, in this embodiment, the identification code ID, 〇τρ, and account password are transmitted through the barcode image, instead of being transmitted by using U OTA (OverTheAir) as in the prior art, the security is greatly improved. . Server ι〇2 Although the OTA method is used to send transaction details to the mobile device 2, there is no confidential information and there is no security concern. M410932 Case No.: 99224104 Correction of the April 29th, 1995 - Replacement Page <Different Embodiments> Figure 4 shows the use of mobile devices 2〇〇 to replace the electronic wallet card for on-line micropayment (micr〇payment) In the embodiment, the mobile device 200 has an account data module 212, which maintains the user's electronic wallet account balance data, and the server 1〇2 can be instantly connected with the mobile device 2 to update. Account balance information. • At step 400, the user indicates at the POS terminal 104 that the mobile device 200 is to be used for payment, and the mobile device 2 executes the application requesting user input or selecting one of some predetermined transaction instructions. In addition, an additional set of passwords can be used for application login verification. In step 402, the processing circuit 200 generates 〇τρ according to the transaction instruction, and at least according to the account balance provided by the account data module 212, the identification code 1D1 of the module 2G2 is generated to generate the barcode image. In other cases, the processing circuit 2〇6 may also add an electronic intersection in the barcode image data = it is not intended to be limited. Or can be added as a code shadow according to the bar code image data display bar (10) in the barma reading device 丨 06 (four) code image in the Me extractor 102, 'complex, and identification code 1D ' and immediately transmitted to the servo POS terminal Machine 04 will immediately verify 0ΤΡ, and for M4Γ0932 Case number: 99224104

OTP Ages, you, 1 (10), April 29, Amendment-Replacement I &quot;, refer to the above-mentioned U.S. Patent Publication No. US Pub. 2009294539. In v 408, if the p〇s terminal 1〇4 determines that the verification is successful and judges that the transaction is permitted&apos;, the transaction can be executed based on the parental amount input by the P〇S terminal 104. &gt; In step 410, the server 1〇2, according to the identification code ι〇, sends the transaction to the mobile device by the wireless receiving module, and the account data is received through the (4) n-finance 1G or other non-roads. The module 212 will again update the account balance data, and if it is a payment transaction, the account balance will be deducted. In this embodiment, the identification codes m and (10) are transmitted through the image instead of _ as in the case of the conventional technique _ 0TA. Although the server (10) uses the 〇ΤΑ method to confirm the command to the mobile device, there is no confidential information in it, and there is no doubt about the wholeness. &lt;Third Embodiment&gt; r ff,® 2〇0 + Embodiment, in this embodiment, the mobile device has the account affliction group m, the electronic money balance information of the financial producer' but the pos terminal ] 〇 4 is not immediately available with the feeding device i (four) line to update::: amount of information, but waiting until a specific time will be with the server 102 spot action clothing set 200 new • balance data 'so there must be avoided to repeat Μ 41Ό 932 case number :99224104 April 29, 1995 Correction - The mechanism for replacing the page (Double Spending Check). In step 500, the user immediately indicates at the POS terminal that the mobile device 200 is to be used for payment or value addition, and the mobile device 2 executes the application AP' to request the user to enter the transaction order and the transaction amount. In addition, you can use an additional set of passwords for application login verification. In step 502 t, the processing circuit 206 generates 〇τρ according to the transaction instruction, and generates a barcode image data based on at least the 〇ΤΡ, the transaction amount, and the code ID maintained by the identification module 2〇2, which is to be noted that the processing is performed. The circuit ^ can be added to other dragons in the article, like the image, this creation does not want to add meaning 'j. Or you can add people as information for electronic transaction vouchers. The code shadow screen 210 is based on the bar code image data display bar. In step 506 +, the bar code reading skirt 106 removes the OTP from the bar code image to the PQS terminal machine 1G4 for verification. For the 〇τρ verification method, reference may be made to the above-mentioned U.S. Patent Publication No. US Pub. 2009294539. f step 508 towel, if the POS terminal 104 determines that the verification is successful, then, according to the amount of money, the execution of the p value is worth mentioning that if the user chooses to pay the payment, it is necessary to determine whether the account balance can allow the transaction amount. . This part can be judged by the application thread', that is, the application only accepts the input from the user; the amount of the easiness of the account balance. However, it can also be referred to the p〇s terminal (丨) to judge 'this is the processing circuit must also add the account balance information to the bar code Μ41Ό932 case number: 99224104 ^ V* t, 】 〇〇 〇 〇 曰 〇 〇 〇 〇 - Replace the shirt-like image, send it to 1 () 2 and judge it in 5 (8). At step 510, at a specific time (rather than instantaneously), the POS terminal 104 sends all the parent tributes to the word server 1〇2, and the server then passes the identification according to the identification=ID'. The mobile phone secret 1 () or other wireless network f is sent to the mobile device 200 (4) wireless receiving module to receive, and the account 3 module 212 will update the account balance data according to the parent easy confirmation command, and if the payment is 'deducted' account balance. k optically 'in step 5 ,, the application can additionally require the user = a set of account passwords, and the account data module 212 can include a password verification and y ^ 13 帛 to check the sister user at step 5GG The account password of the entered person, 4 51 ,, the account information module 212 needs to judge the verification of the account line code and then update the account balance data according to the transaction confirmation instruction.

Before the completion of the task 510, the 'Account Data Module 212' will use the account transaction module to lock the corresponding amount according to the transaction amount of the user. After the application, the user of the forehand user is less than "actually, the transaction balance of the account balance is slanted. After receiving the transaction confirmation command from the server, the account knows that the account balance will be officially updated. It is also possible to refer to other practices that have been used in this repetitive manner, for example, U.S. Patent No. 9, 第四9, <Fourth Embodiment> Θ 'After using the mobile device 200 as an electronic wallet, open at the remote end Μ41Ό932 Case No.: 99224104 100 April 29 曰 Amendment - An example of a replacement page e-wallet service or a remote-valued payment. In this embodiment, the user's transaction account data is maintained by the remote server 102. 〇2 can register the identification code ID maintained by the identification module 202 in advance to the user's transaction account, so the server 102 can find the corresponding identification code ID according to the account number. In step 600, the server 102 Open the transaction function of this account or log in the value data to the user's account (for example, the user transfers the value from other account transfer to the transaction account on the server 102 through the network in advance). The server 1〇2 and according to the knowledge, The code ID transmits a parent code and an open message (or a value-added message) to the mobile device 2 via the mobile phone network 10 or other wireless network, and is received by the line receiving module 208. At the P〇S terminal 1〇4, it is indicated that the mobile device is used, and the mobile device 2〇0 executes the application AP, and the user is required to input the transaction instruction. In the processing circuit 2〇6, in response to the transaction instruction, and at least According to the OTP, the transaction code generated by the transaction code of the application block generates a bar code image_. The identification code ID is known in advance in the maintained identification code, and thus may be inferior, Ί &amp; data on the server 102 electronic transaction voucher. — ', can be added as the case number: 99224104 i- Am ί ^ (\ 100 years April 29 曰 correction - replacement page m dan... 1 piece 6 shows The camp screen 210 displays the barcode image according to the barcode image data. Bar code reading device 1〇6. ΓΥτοΐίΤ 608 'Bar code reading farm set 106 from the bar code image class to remove ~ /, parent code (or also ID code), enter the 0 0TP check on the P0S terminal 104 For the TP verification method, refer to the above-mentioned US special publication US Pub. 2009294539. In: 610, 'the p〇s terminal 1〇4 verifies the display and receives the wireless reception to receive ^ has been completed and The transaction details, but the machine has just printed the transaction details. It is not necessary to use the mobile terminal 200 as the electronic wallet. Throughout. In this embodiment, the mobile device, 212' maintains the user's e-wallet account remainder woven material. Account Bay_Group In step 700, the user adds a value to the p〇s terminal, and the mobile device executes the application—the operator enters the transaction order and the transaction amount. In addition, you can use the group Μ41Ό932 cable number: 99224104 1 year April 29 3 correction-replacement page Additional password for application login verification. In step 702, the processing circuit 206 generates 〇τρ according to the transaction instruction, and generates at least one piece of code image data according to the ογρ, the parental amount, and the identification code ID maintained by the identification module 2〇2. The processing circuit .206 can also add other materials to the barcode image data, and the creation is not intended to be limited. Or you can add information that can be used as an electronic transaction voucher. • In step 704, the display screen 210 displays the barcode image to the barcode reading device 106 based on the barcode image data. In step 706, the bar code reading device 1〇6 extracts the OTP from the bar code image for verification by the p〇s terminal device 1〇4, and for the otj) verification method, reference can be made to the above-mentioned U.S. Patent Publication No. US Pub. 2009294539 . In step 708, if the POS terminal device 1〇4 determines that the verification is successful, the transaction may be executed based on the transaction amount and the identification code, thereby generating a transaction code. In the embodiment of the value added, the parent code can be directly printed by the p〇s terminal 1〇4 and delivered to the user. Alternatively, the transaction code can be directly transmitted to the wireless receiving module 208 of the mobile device 200 via wireless communication. In step 710, the user enters the transaction code obtained in step 7-8, and the application updates the account balance data of the account data module 212 in response to the entered transaction code. '' Also note that the above five embodiments are although the electronic transaction of money 20 ινΐ410932

~ λ Case: 99224104 Correction of April 29, 1995 - Replacement I for explanation, but those skilled in the art should be aware that this creation can also be applied to other electronic transactions (payment or value added) with economic value, such as The flight of the airline, the membership bonus provided by the credit card company, or the discounted volume of the store. a / In the absence of the spirit of the creation or the necessary characteristics, this creation can be embodied in other special forms. The various aspects of the described embodiments are to be construed as illustrative and not restrictive. Therefore, the fan of this creation is as follows (4), please patent ^ ^ not as shown in the previous description. All the meanings and scopes of the syllabus that fall within the scope of the patent application shall be deemed to fall within the scope of the towel. ~ [Simple description of the diagram], to immediately understand the advantages of this creation, please refer to the specific example shown in the figure, detailing the above brief description of the creation. In understanding the ^ figure not only depicts the typical concreteness of the creation, but also the interpretation of this creation, such as the example, and therefore does not regard it as limiting the creation of the original text, in the figure: the figure with additional clarity and In terms of details

Intent Figure 1 is a diagram of an electronic trading system based on the creation of this creation. Figure 2 is a kind of action based on this creation. Figure 2 is a kind of action based on this creation. Figure 2C is based on this ^ Others' action actions; circuit patch; correction - financial application SIM card and integrated body Figure 3-7 is the mobile electronic transaction process according to the present embodiment. [Main component symbol description] J0, mobile phone network 21 Μ41Ό932

100 102 104 106 200 202 204 206 208 210 212 213 250 256 290 292 294 296 AP ID Case No.: 99224104 Correction of the April 29th - Replacement page Electronic transaction system POS terminal bar code reading device mobile device identification Module memory processing circuit wireless receiving module display screen account data module password verification module SIM card electrical contact pad integrated circuit chip flexible circuit board integrated circuit chip electrical contact pad application identification code

Claims (1)

1η Case No.: 99224104 Sixth, the scope of application for patent: ° ° April 29, the revised replacement page i easy, take two use ^ over - bar code read read line electronic exchange contains: 4 take the device into the step and platform link, The mobile device has an identification module that provides an identification code; a memory for storing an application; 易 易二处Z路 'execute the application' and responds to user input- The program uses the M-secondary password to identify the code ^ according to the secondary password, the user input - personal password, the amount of the disk - generated - barcode image # material: - barcode reading according to the barcode image data display - barcode image to The bank verifies that a bar code reads the shackle-sister password to enter the transaction; the personal weight and the identification code are transmitted to the trading platform to complete the ==receive module' for receiving (four) the trading platform according to the identification A transaction confirmation message sent by the code. 2, the user through the bar code reading device for electronic delivery includes: ',, % device is further connected with a trading platform, the mobile device screening module, providing an identification code; ^ ΐ 模组 module' maintenance one Account balance (account balance) data; 5 memory, store an application; easy to refer to eight processing - the circuit executes the application, and in response to the user input a 〇 (〇丁 p) = processing circuit to execute the application to generate - Sub-password and according to the one-time password, the account balance (accountbalance) 23 Μ 4Γ0932 Case number: 99224104 April 29, 1995 correction - replacement page data, and the identification code to generate a code image data: a display screen, Displaying, by the bar code image data, a code image to the bar code reading device, wherein the bar code reading device retrieves the one-time password for verification and transmits the account balance data and the identification code to the transaction platform to complete the parent a wireless receiving module, configured to receive a message sent by the trading platform for the mobile device according to the identification code, and the Information system includes a transaction confirmation instruction; which, as should the transaction confirmation instruction, the account information module updates the account balance information. 3. A mobile device for electronic trading by a user through a code reading device, the bar code reading device further connected to a transaction platform, the mobile device comprising: an identification module providing an identification code; a wireless receiving a module for receiving a message sent by the transaction platform for the mobile device according to the identification code, wherein the message includes a transaction code; a memory for storing an application; and a processing circuit for performing the An application, and in response to the user inputting a transaction instruction, the processing circuit executes the application to generate a secondary password (OTP), and generates a code image data according to the one-time password and the transaction code: a display screen, Displaying a code image according to the barcode image data to the barcode reading device, whereby the barcode reading device retrieves the one-time password for verification and transmits the transaction code to the transaction platform to complete the transaction. 24 Μ 41Ό 932 Case No.: 99224104 100 April 29 曰 Amendment - Replacement Page 4. A mobile device for electronic trading by a user through a code reading device, the bar code reading device being further coupled to a transaction platform The method comprises: an identification module, providing an identification code; an account data module for maintaining an account balance data; a memory for storing an application; a processing circuit for executing the application, and inputting a transaction instruction according to the user The processing circuit executes the application to generate a secondary password, and according to the one-time password, the user inputs a transaction amount, and generates a code image data with the identification code: a display screen, according to the barcode image data display Transmitting a code image to the bar code reading device, wherein the bar code reading device retrieves the one-time password for verification and transmits the transaction amount and the identification code to the transaction platform to complete the transaction; a wireless receiving module, Receiving one of the issued by the trading platform for the mobile device according to the identification code Interest rates, while the message system includes a transaction confirmation instruction; which, as should the transaction confirmation instruction, the account information module updates the account balance information. 5. The mobile device of any one of claims 1 to 4, wherein the wireless receiving module is an SMS message module, whereby the trading platform communicates with the mobile device using an SMS message. 6. A mobile device for users to electronically communicate through a code reading device 25 Μ 41Ό 932 Case number: 99224104 100 years April 29 曰 Correction - Replacement page 易 'This bar code reading 进 进 step - and trading platform The mobile device includes: an identification module that provides an identification code; an account data module that maintains an account balance data; a memory that stores an application; - a processing circuit that executes the application, and The user inputs a transaction instruction, the processing circuit executes the application to generate a one-time password (OTP) and generates a code image data according to the one-time password, the user inputs a transaction amount and calls the identification code: Displaying a screen, displaying a code image to the barcode reading device according to the barcode image data, wherein the barcode reading device retrieves the one-time password for verification and transmits the transaction amount and the identification code to the transaction platform To generate a transaction code; wherein the application updates the account balance data in response to the user entering the transaction code.鲁 I. The mobile device of any one of items 1 to 4 and 6, wherein the identification module is selected from the group consisting of: IMSI mom, fine 1 code, SIM card universal Serial number, mobile phone number. = The mobile device of claim 1 to 4 and 6 is further comprised of a SIM card. The memory system is disposed on the SIM card. 9. If the mobile device of any of items 1 to 4 and 6 further comprises an Sl]Vi card and an integrated circuit patch, the integrated circuit patch is attached to the srM card and 5 Hai The 5 recall system is placed on the integrated circuit patch. 26 Μ41Ό932 Case No.: 99224104 100 April 29 曰 Amendment-Replacement Page 10. An integrated circuit patch disposed in the mobile device of claim 9 for attaching the SIM card to the integrated circuit The chip comprises: a flexible circuit board; and - an integrated circuit chip disposed on the flexible circuit board, wherein the memory is disposed on the integrated circuit chip to store an application for access by the processing circuit To execute the application. 27