五、新型說明： 【新型所屬之技術領域】 -· [0001] 本創作係關於一種可用多種卡片及標籤之電子交易 系統，尤指一種不怕遺失、盜刷及側錄之可用多種卡片 及標籤之電子交易系統。 【先前技術】 [0002] 電子錢包是商務活動中顧客常用的一種支付工具， 在小額購物或購買小額商品時常用的新式錢包。目前， 全球已有很多國家正在建立可用多種卡片及標籤之電子 交易系統以便取代現金交易的模式。 請參閱第1圖，係習用電子錢包使用狀態之示意圖 。電子錢包是由晶片卡（1C卡）發展而來的，是一種具有 存儲值功能的晶片卡16 ’亦即在卡片中設有晶片161可供 用存取資料。晶片卡16中儲存有來自銀行或用戶自行儲 存的現金額度或其他各種電子貨幣，可以在正確裝配所 屬電子錢包系統的銷售點之收銀機（p〇S)i2上消費》 一般而s ’收銀機12上设有一顯示器121、一操作鍵 盤123及一讀卡機14。當晶片卡16插入讀卡機14之後， 收銀機12即可經由讀卡機14讀取晶片161中儲存的電子現 金資訊。收銀員可利用操作鍵盤123選擇收銀機12之功能 例如消費扣除金額、儲值增加金額或餘額查詢等，並 於顯示器121齡所進行的操作供❹者觀和確認無誤 後’即將更新的電子現金資訊寫入晶片卡j 6的晶片⑻中 〇 表單編號A0101 第3頁/共18頁 M422719 [0005] 另有部分電子錢包系統採用射頻辨識卡做為電子現 .丨’ 金的載體。其主要係·於卡片中設置一射頻標籤（rf I ， 利用射頻標籤儲存電子現金相關資料《此—系統同樣可 使用射頻標籤之讀卡機進行射頻辨識卡中射頻標籤之資 料存取’其餘的操作與上述晶片卡系統類似。 [0006] 前述之電子錢包系統雖可以一塑膠卡片取代現金進 行小額商品或服務之交易，但各商家採用之系統互不相 容’對於不同系統的商家需分別購買或辦理卡片，導致 使用者需隨身攜帶多張卡片的狀況，既不方便也不環保 此外’多數電子錢包系統之卡片為不記名卡片，使 用者若遺失卡片等同遺失現金，可追回的機會相·當渺茫 °因此’目前市面上現有的電子錢包系統，使用上仍存 在相當的風險。 [0008] 另有廠商引進近距離無線通訊（Near field Com- •nunication，NFC)技術，在智慧型手機中設置NFC控制 曰曰片與天線，以及防干擾之安全晶片（secure ele_ ) 並以應用程式控制系統之運作與資料的儲存。以 電子錢包之應用而言，雖可提高其安全性，但其載體需 曰慧型手機’本身成本已經過高。且為配合MFC技術 而需増加元件及修改智慧型手機之電路架構，其耗費的 ^與無形成本，將會對其普及率造成重大的影響。 【新型内容】 ★ 本創作之一目的，在於提供一種可用多種卡片及標 表單編號AOlOi ^交易系統，尤指一種可使用各式卡片或標籤、 第4頁/共18頁 [0010] 不怕遺失、盜刷及側錄之可用多種卡片及標籤之電子交 易毒統。 / - - . . . ·-.， 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其主要係利用一伺服器儲存會員 之帳戶及金額資料，透過終端機以特徵碼載體驗證身份 後進行消費及儲值等動作，可確保電子現金屬於該會員 〇 [0011] 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，於消費時除特徵碼載體驗證身份 之外，尚可由會員輸入密碼，可提供電子交易之雙重驗 證保障。 [0012] 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其終端機可整合於商店或服務提 供單位之收銀機中，利於帳務整合與消費使用。 [0013] 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其帳戶之建立可於終端機輸入一 會員代碼而產生，並提供一特徵碼載體由讀取機讀取特 徵碼建檔。 [0014] 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其會員帳戶建立後，伺服器可選 擇以簡訊、電子郵件、郵寄、列印、聲播及其組合式之 其中一種方式傳送密碼給會員。 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其會員代碼可選擇為一身份證字 表單编號A0101 第5頁/共18頁 [0015] M422719 [0016] [0017] [0018] [0019] [0020] [0021] 號、一電話號碼、一行動電話號碼、一電子郵件信箱、 一公司統一編號、一特定帳戶及其組合式之其中之一。 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其中該伺服器於建立會員帳戶時 ，可要求會員輸入並確認該帳戶之密碼。 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其中該特徵碼載體可選擇為一晶 片卡、一射頻辨識卡、一射頻標籤、一條碼、一二維條 碼、一 QR碼、一磁條卡及其組合式之其中之一。 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其中該讀取機可選擇為一晶片卡 讀取機、一射頻標籤讀取機、一條碼讀取機、一二維條 碼讀取機、一快速反應碼讀取機、磁條讀取機及其組合 式之其中之一。 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其中該特徵碼載體可選擇為一健 保卡、一悠遊卡、一 iCash卡、一臺灣通卡、---^通卡 、一信用卡、一金融卡、一現金卡、一交通卡、一八達 通卡及會員卡之其_之一。 本創作之又一目的，在於提供一種可用多種卡片及 標籤之電子交易系統，其中各會員可藉由網路登入該伺 服器進行帳戶管理、查詢及特徵碼載體變更或停用等動 作。 為達成上述目的，本創作提供一種可用多種卡片及 表單編號A0101 第6頁/共18頁 標籤之％ 甩子交易系統，包含有：一伺服器，設有一合 貧料庫 β員 應年’用以儲存複數個會員之帳戶資料及各帳戶所對 伺月t鲔與特徵碼；複數個終端機，通過一網路連接註 °。各終端機分別設有一顯示器、一操作鍵盤、— 別重碼凟取機及一會員鍵盤；及複數個特徵碼載體，分 別對應於各帳戶，各特徵碼載體分別儲存有-特徵碼； ，各會員可持對應之特徵碼載體，利用各終端機之 碼讀取機讀取特徵碼，並以會員鍵盤鍵入密碼後， 進仃消費結帳、儲值、餘額查詢及其組合式之其中一種 舌動田金額有異動時自動更新伺服器中會員帳戶 所對應之金額。 睛] 上述可用多種卡片及賊之電子交n统之-實施 例’其中各終端機可整合於商店或服務提供單位之收銀 機中。 _ 上述可用多種卡片及標籤之電子交易系統之-實施 例，其中各終端機可分別由操作鍵盤選擇建立帳戶功能 ，並輸入會員代碼，由會員或系統提供一特徵碼載體 以特徵碼讀取機讀取特徵碼，即可於_服器中建立〆 會員帳戶。 [0024] 上述可用多種卡片及標籤之電子交易系統之一實施 例’其中該會員代碼可選擇為-身份證字號、〆電話號 碼、一行動電話號碼、一電子郵件信箱、一公司統一編 號、一特疋帳戶、一條碼及其組合式之其中之一。 [0025] 上述可用多種卡片及標籤之電子交易系統之-實施 例’其中該飼服11於建立該會員帳戶時，可選擇以簡訊V. New Description: [New Technology Field] -· [0001] This creation is about an electronic trading system that can use a variety of cards and labels, especially a variety of cards and labels that are not afraid of loss, stealing and recording. Electronic trading system. [Prior Art] [0002] An e-wallet is a payment tool commonly used by customers in business activities, and a new wallet that is commonly used in small purchases or purchases of small items. At present, many countries around the world are building an electronic trading system that can use multiple cards and labels to replace the cash transaction model. Please refer to Figure 1 for a schematic diagram of the usage status of the e-wallet. The electronic wallet is developed from a chip card (1C card) and is a chip card 16 having a memory value function, i.e., a chip 161 is provided in the card for accessing data. The chip card 16 stores cash credits or other various electronic money stored by the bank or the user, and can be consumed at the cash register (p〇S) i2 of the sales point of the electronic wallet system to be properly assembled. 12 is provided with a display 121, an operating keyboard 123 and a card reader 14. After the wafer card 16 is inserted into the card reader 14, the cash register 12 can read the electronic cash information stored in the wafer 161 via the card reader 14. The cashier can use the operation keyboard 123 to select the functions of the cash register 12, such as the consumption deduction amount, the stored value increase amount or the balance inquiry, etc., and the electronic cash payment to be updated after the operation of the monitor 121 is performed and the confirmation is correct. Information is written into the chip (6) of the chip card j 6 〇 Form No. A0101 Page 3 / 18 pages M422719 [0005] Another part of the electronic wallet system uses the RFID card as the carrier of the electronic present. The main system is to set up a radio frequency tag (rf I in the card, use the radio frequency tag to store electronic cash related information. "This system can also use the radio frequency tag reader to access the data of the radio frequency tag in the RFID card." The operation is similar to the above-mentioned wafer card system. [0006] Although the aforementioned electronic wallet system can replace the cash for a small commodity or service transaction, the system adopted by each merchant is incompatible with each other. Or handling cards, causing users to carry multiple cards with them, which is neither convenient nor environmentally friendly. In addition, most cards in the e-wallet system are unregistered cards. If the user loses the card and loses cash, the opportunity to recover can be recovered. ·When 渺茫°, therefore, there is still considerable risk in the use of existing electronic wallet systems on the market. [0008] Another manufacturer introduces Near Field Com- •nunication (NFC) technology in smart phones. Set NFC control chip and antenna, and anti-interference security chip (secure ele_) and The operation of the application control system and the storage of data. In the case of the application of the electronic wallet, although the security can be improved, the carrier of the mobile phone needs to be too expensive, and the components need to be added to cooperate with the MFC technology. And to modify the circuit structure of the smart phone, its cost and non-formation will have a significant impact on its popularity. [New content] ★ One of the purposes of this creation is to provide a variety of cards and standard form number AOlOi ^Transaction system, especially an electronic transaction system that can use a variety of cards or labels, page 4 of 18 [0010] is not afraid of loss, stolen and side-recording of a variety of cards and labels. / - - . Another purpose of this creation is to provide an electronic transaction system that can use a variety of cards and tags. The main purpose is to use a server to store the account and amount information of the member, and verify the identity by the terminal code carrier. Performing actions such as consumption and stored value ensures that electronic cash belongs to the member. [0011] Another purpose of this creation is to provide a variety of cards and The electronic trading system of the label can be used by the member to input a password at the time of consumption, and can provide a double verification guarantee for the electronic transaction. [0012] Another object of the present invention is to provide a variety of cards and The electronic trading system of the tag, the terminal of which can be integrated into the cash register of the store or service providing unit, is beneficial to the integration of accounts and consumption. [0013] Another object of the present invention is to provide an electronic card with various cards and tags. The transaction system, the establishment of the account can be generated by inputting a member code in the terminal, and providing a signature carrier to read the signature from the reader. [0014] Another object of the present invention is to provide a variety of available The electronic trading system for cards and tags, after the member account is established, the server can choose to send the password to the member in one of the way of newsletter, email, mail, print, sound broadcast and combination thereof. Another purpose of the present invention is to provide an electronic transaction system that can use a variety of cards and tags, and the member code can be selected as an ID card form number A0101 Page 5 of 18 [0015] M422719 [0016] [0017 [0018] [0020] [0021] A telephone number, a mobile phone number, an email mailbox, a company uniform number, a specific account, and one of the combinations thereof. A further object of the present invention is to provide an electronic transaction system that can use a variety of cards and tags, wherein the server can ask the member to enter and confirm the password of the account when establishing the member account. Another object of the present invention is to provide an electronic transaction system using a plurality of cards and tags, wherein the signature carrier can be selected as a wafer card, a radio frequency identification card, a radio frequency tag, a code, a two-dimensional bar code, and a One of a QR code, a magnetic stripe card, and a combination thereof. Another object of the present invention is to provide an electronic transaction system using a plurality of cards and tags, wherein the reader can be selected as a wafer card reader, a radio frequency tag reader, a code reader, and a second. One of a bar code reader, a quick response code reader, a magnetic strip reader, and a combination thereof. Another object of the present invention is to provide an electronic transaction system that can use a variety of cards and labels, wherein the signature carrier can be selected as a health insurance card, a leisure card, an iCash card, a Taiwan card, and a One of the card, a credit card, a financial card, a cash card, a transportation card, an Octopus card, and a membership card. Another object of the present invention is to provide an electronic transaction system that can use a variety of cards and tags, wherein each member can log in to the server via the Internet for account management, query, and change or disable of the signature carrier. In order to achieve the above objectives, this creation provides a variety of cards and form numbers A0101 page 6 / a total of 18 pages of the label of the dice trading system, including: a server, with a poor library of beta staff should be used In order to store the account information of a plurality of members and the account number and signature code of each account; a plurality of terminals are connected via a network connection. Each terminal machine is respectively provided with a display, an operation keyboard, a different code capture machine and a member keyboard; and a plurality of signature carriers respectively corresponding to the respective accounts, and each feature code carrier respectively stores a - feature code; The corresponding signature carrier can be held, and the code reader of each terminal can be used to read the feature code, and after entering the password by using the member keyboard, the consumer checkout, the stored value, the balance inquiry and the combination thereof can be entered. When the amount of the field changes, the amount corresponding to the member account in the server is automatically updated. The above-mentioned various cards and thieves can be used in an electronic way - in which the terminals can be integrated into a cash register of a store or a service provider. _ The above-mentioned embodiment of an electronic transaction system in which a plurality of cards and tags can be used, wherein each terminal can be respectively selected by an operating keyboard to create an account function, and a member code is input, and a signature carrier is provided by the member or the system to feature the code reader. By reading the signature, you can create a member account in the server. [0024] One of the above embodiments of an electronic transaction system in which a plurality of cards and tags are available, wherein the member code can be selected as an ID card number, a phone number, a mobile phone number, an email address, a company uniform number, and a One of the special account, one code and one combination. [0025] The above-described embodiment of an electronic transaction system in which a plurality of cards and tags can be used, wherein the feeding service 11 can select a newsletter when establishing the member account.
表單编號A0101 第7頁/共18 HForm No. A0101 Page 7 of 18 H
[0026]M422719 [0027] [0028] [0029] [0030] 、電子郵件、郵寄、列印、聲播及其組合式之其中一種 方式傳送該會員帳戶.之密碼給會員。 上述可用多種卡片及標籤之電子交易系統之一實施 例，其中該伺服器於建立該會員帳戶時，可要求會員以 該會員鍵盤輸入及確認該會員帳戶之密碼。 上述可用多種卡片及標籤之電子交易系統之一實施 例，其中該特徵碼載體可選擇為一晶片卡、一射頻辨識 卡、一射頻標籤、一條碼、一二維條碼、一快速反應碼 、一磁條卡、及其組合式之其中之一。 上述可用多種卡片及標籤之電子交易系統之一實施 例，其中該讀取機可選擇為一晶片卡讀取機、一射頻標 籤讀取機、一條碼讀取機、一二維條碼讀取機、一快速 反應碼讀取機、一磁條讀取機及其組合式之其中之一。 上述可用多種卡片及標籤之電子交易系統之一實施 例，其中該特徵碼載體可選擇為一健保卡、一悠遊卡、 一 i Cash卡、一臺灣通卡、一·—^通卡、一信用卡、一金 融卡、一現金卡、一交通卡、一八達通卡及會員卡之其 中之一。 上述可用多種卡片及標籤之電子交易系統之一實施 例，其中各會員可藉由網路登入該伺服器進行帳戶管理 、查詢及特徵碼載體變更或停用等動作。 上述可用多種卡片及標籤之電子交易系統之一實施 例，其中各會員可利用各終端機輸入帳戶及密碼後，進 行更換特徵碼載體之動作。 表單编號A0101 第8頁/共18頁 [0031] [0032] 例、 消費 上述可用多種卡片及標 其中該伺服器丨之n資 記錄及儲值記錄β 籤之電子交么Μ 人易系統之一實施 ‘%庫t尚’存對應於各帳戶 之 [0033] 例， 上述可用多種卡片及標 其中各終端機之顯示器 面板 藏之電子交U統之-實施 與操作鍵射整合為-觸控 【實施方式】 [0034] 早六夕種卡片及標籤之電 又易系統-較佳實施例之示意圖。如圖所示，本創作 之可用多種卡片及標籤之電子交 ^ 、 系統20包含有_伺服 26、複數個終端機26及複數個特徵妈载體’各終端機 刀別通過一網路24連接伺服器I由於各種晶片卡 2卡）28、射頻辨識卡（㈣卡）27及其他形式的射 頻標籤'條碼、二維條碼、快速反應碼㈤心卜 sP〇nSe code，QR c〇de)及磁條卡等等，都具有_唯_ 的特徵碼，本創作即可利用使用者本身已擁有的晶片卡 Μ、射頻辨識卡27或其他形式的射賴籤條碼、二維條 碼、快速反應碼及磁條卡做㈣徵碼載體，並以特徵碼 載體中儲存的特徵碼做為快速辨識會貝身份之依據。當 然’若使用者本身無適當的特徵碼載體，或提出要求: 亦可由系統廠商提供特徵碼載體。 [0035] [0036] 本創作之祠服器22中設有-會員資料庫221，用以儲 存各會員之帳戶資料、對應之金額及特徵碼。 一操作鍵盤263、 。作業人員可利用 各終端機26分別設有顯示器261、 * 特徵碼凟取益265及一會員鍵盤267 表單蝙號A0101 ^ 第9頁/共18頁 M422719 操作鍵盤263操作終端機26或選擇終端機26之各項功能， 钶如ϋ結帳、儲值、餘額查詢A建左帳声及更換特徵. 碼載體等等。 當使用者欲申請成為本創作可用多種卡片及標蕺之 電子交易系統20之會員時，可至設有終端機26處進行申 請動作。首先由作業人員利用操作鍵盤263選擇建立帳戶 功旎，由作業人員或使用者自行輸入一會員代碼，再由 使用者或系統提供一特徵崎載體（例如射頻辨識卡2γ或晶 片卡28)，以特徵碼讀取機265讀取該特徵碼載體（27或 28)之特徵碼後，即可於該伺服器22中建立一會員帳戶。 而伺服器22於帳戶建立的同時，可選擇以簡訊 '電 子郵件、郵寄、列印或聲播的方式傳送該帳戶之密碼給 會員’或者直接要求會員在終端機26處以會員鍵盤267輸 入並確認密碼。 [0039] 使用者亦可利用資訊裝置29(例如電腦、智慧型手 、平板電腦、個人數位助理等等）經由網路連線至伺服; 22，選擇建立帳戶功能後，輸人該會員代碼建立帳户。 词服器22於帳戶建立後，亦可以簡訊'電子郵件、郵 、列印或«时式傳轉帳戶之密碼給會^完成前 述步驟後，會“至設有终端機26處，时員鍵盤267 入帳戶及密碼，並提供一特 挪讀取⑽碼，並存人會貞^ 讀取機 立之程序才算完整。貝貝料庫221中，會員帳戶萬 ，可利用一資訊裝置29， 筆記型電腦、平板電腦、 頁/共18頁 [0040] 會員之帳戶建立完成後 如 電腦、手機、智慧型手機、 表單编號A0101 « [0041] [0041] [0042] [0043] [0044] 入帳戶，-、網路連線至該词服器22，以對應的密碼登 更或停用等動^ ^ € I理W 查，及特徵瑪載體變 易系統2〇結===:用多種卡片及標籤之電子交 能，會„ 茶人貝利用操作鍵盤263選擇結帳功 機265^供其特徵碼栽體（27或28)，藉由特徵瑪讀取 =特徵碼載體（27或28)_儲存之特徵碼，即可 二=份辨識，將該筆交易指向對應的帳戶，並於 進行扣款。^2。67輪入密碼後’由該帳戶所錯存之金額 述之步驟進:進㈣值或餘額查詢，亦可經由前 可用多種卡片及標絲 若合 ，、紙之電子交易系統20使用期間， ，轉作鍵Γ載體損壞或遺失，可至設有終端機26處 场作鍵盤263選擇更換卡片之功能，經輸入帳戶及密 機26&取新的特徵碼後，即可完成更換卡片之程序。 上述各作業程序之各步驟内容’可利用顯示器261顯 不，提供給會貝檢視各步驟之作業内容。 在本創作之—實施例中，各終端機26可整合於商店 或服務提供單位之㈣機巾，可利於消㈣作及帳務整 合之進行。_器22之會員資料庫221令亦儲存有對應於 各帳戶之㈣記錄及儲值記錄，供會員、商店、服務提 供單位或相關帳務人員查詢。 [00451 在本創作之—實施财，使用者建讀戶所使用 之 表單编號AOiOI 第丨I頁/共】8頁 M422719 會員代碼可選擇為身份證字號、電話號碼、行動電話號 ' 碼：電子郵件信箱、公司姚夂編號、辂定搌及以條屬及 其組合式之其中之一。建立會員帳戶時，可選擇使用本 身已擁有之任一晶片卡28、任一射頻辨識卡27、射頻標 籤、條碼、二維條碼、快速反應碼、磁條卡做為特徵碼 載體，例如目前通行之健保卡、悠遊卡、iCash卡、臺灣 通卡、—^通卡、信用卡、金融卡、現金卡、交通卡、 八達通卡或會員卡等等。而本創作之終端機26則設有對 應的晶片卡讀取機、射頻標蕺讀取機、條碼讀取機、二 維條碼讀取機、快速反應碼讀取機或磁條讀取機等等， 藉以讀取對應特徵碼載體之特徵碼。 [0046] 在本創作之一實施例中，各終端機26之顯示器261與 操作鍵盤263亦可整合於一觸控面板中。 [0047] 利用本創作之可用多種卡片及標籤之電子交易系統 20，除了不需製造新的卡片具有節能環保之效果外，尚 可確保電子錢包中的金額歸屬於各會員，不用擔心卡片 遺失或遭仿製盜用、盜刷及側錄等情事。 [0048] 以上所述者，僅為本創作之實施例而已，並非用來 限定本創作實施之範圍，即凡依本創作申請專利範圍所 述之形狀、構造、待徵、方法及精神所為之均等變化與 修飾，均應包括於本創作之申請專利範圍内。 【圖式簡單課明】 [0049] 第1圖：係習用電子錢包使用狀態之示意圖。 [0050] 第2圖：係本創作一較佳實施例之示意圖。 表單编號A0101 第12頁/共18頁 M422719 【主要元件符號說明】 / [β〇51] 12收銀機 · 121 顯示器 [0052] 123操作鍵盤 14 讀取機 [0053] 1 6晶片卡 161 晶片 [0054] 20可用多種卡片及標籤之電子交易系統 [0055] 22伺服器 221 會員資料庫 - [0056] 24網路 26 終端機 • [0057] 261顯示器 263 操作鍵盤 [0058] 265特徵碼讀取機 267 會員鍵盤 [0059] 27射頻辨識卡 28 晶片卡 . [0060] 281晶片 29 資訊裝置 表單編號A0101 第13頁/共18頁[0028] [0028] [0030] [0030] One of the methods of emailing, mailing, printing, sound broadcasting, and combinations thereof is to transmit the password of the member account to the member. The above-mentioned embodiment of an electronic transaction system in which a plurality of cards and tags are available, wherein when the server establishes the member account, the server may request the member to input and confirm the password of the member account by using the member keyboard. An embodiment of the above electronic transaction system that can use a plurality of cards and tags, wherein the signature carrier can be selected as a chip card, a radio frequency identification card, a radio frequency tag, a code, a two-dimensional bar code, a quick response code, and a One of the magnetic stripe cards and their combinations. An embodiment of the above electronic transaction system using a plurality of cards and tags, wherein the reader can be selected as a wafer card reader, a radio frequency tag reader, a code reader, and a two-dimensional bar code reader. One of a fast response code reader, a magnetic strip reader, and a combination thereof. An embodiment of the above electronic transaction system with a plurality of cards and tags, wherein the signature carrier can be selected as a health insurance card, a leisure card, an i Cash card, a Taiwan card, a card, a credit card One of a financial card, a cash card, a transportation card, an Octopus card and a membership card. One of the above embodiments of an electronic transaction system that can use a variety of cards and tags, wherein each member can log in to the server via the Internet for account management, query, and change or disable of the signature carrier. The above is an embodiment of an electronic transaction system in which a plurality of cards and tags can be used, wherein each member can use the terminal to input an account and a password, and then perform the action of replacing the signature carrier. Form No. A0101 Page 8 of 18 [0031] [0032] Example: Consumption of the above-mentioned various cards available and the electronic record of the server and the stored value record of the server. The implementation of the '% library t Shang's corresponding to each account [0033], the above-mentioned various cards can be used, and the electronic display system of the display panel of each of the terminals is integrated into the operation and the operation key is integrated into the touch. [Embodiment] [0034] An electric and easy system for a card and a label of the early sixth day - a schematic diagram of a preferred embodiment. As shown in the figure, the electronic exchange of various cards and tags can be used in the present invention. The system 20 includes a _servo 26, a plurality of terminal devices 26, and a plurality of feature mom carriers. Each terminal knife is connected through a network 24. Server I due to various chip cards 2 cards) 28, RF identification card ((4) card) 27 and other forms of RF tags 'bar code, 2D bar code, quick response code (5) heart sP〇nSe code, QR c〇de) and The magnetic stripe card and the like all have the feature code of _only_, and the creation can utilize the wafer cassette, the radio frequency identification card 27 or other forms of the stagnation barcode, the two-dimensional barcode, the quick response code which the user owns. And the magnetic stripe card is used to do (4) the code carrier, and the feature code stored in the feature code carrier is used as a basis for quickly identifying the identity of the club. Of course, if the user does not have the appropriate signature carrier, or asks for it: The signature carrier can also be provided by the system manufacturer. [0036] The server device 22 of the present invention is provided with a member database 221 for storing account information, corresponding amount and feature code of each member. One operates the keyboard 263, . The operator can use each terminal 26 to separately provide a display 261, * signature code 264 and a member keyboard 267 form bat number A0101 ^ page 9 / 18 pages M422719 operation keyboard 263 operation terminal 26 or terminal selection 26 various functions, such as checkout, stored value, balance inquiry A built left account and replacement features. Code carrier and so on. When the user wants to apply for membership in the electronic trading system 20 in which a plurality of cards and labels are available for the creation, the terminal 26 can be requested to perform the application. First, the operator selects the account function by using the operation keyboard 263, and the operator or the user inputs a member code, and then the user or the system provides a characteristic carrier (such as the RFID card 2γ or the chip card 28) to After the signature reader 265 reads the signature of the signature carrier (27 or 28), a member account can be created in the server 22. While the account 22 is established, the server 22 may choose to transmit the password of the account to the member by email, email, mail, print or audio, or directly request the member to input and confirm with the member keyboard 267 at the terminal 26. password. [0039] The user can also use the information device 29 (such as a computer, a smart hand, a tablet computer, a personal digital assistant, etc.) to connect to the servo via the Internet; 22, after selecting the account creation function, the user code is created. account. After the account is created, the word server 22 can also send a password to the e-mail, post, print or «time transfer account password to the meeting ^ after completing the above steps, "to the terminal 26, the time member keyboard 267 Enter the account and password, and provide a special read (10) code, and the deposit will be 贞 ^ read the program of the machine is complete. Beibei library 221, member account 10,000, can use a information device 29, notes Computer, tablet, page/18 pages [0040] After the account is created, such as computer, mobile phone, smart phone, form number A0101 « [0041] [0041] [0042] [0043] [0044] Account, -, network connection to the word server 22, with the corresponding password to log in or disable, etc. ^ ^ € I W check, and feature vector carrier change system 2 〇 knot ===: with a variety of cards And the electronic communication energy of the label, „茶人贝 uses the operating keyboard 263 to select the checkout machine 265^ for its signature carrier (27 or 28), by eigenma reading=signature carrier (27 or 28) _Save the signature, you can identify the two transactions, point the transaction to the corresponding account, and debit the payment. ^2.67 After entering the password, the amount of the amount erroneously stored in the account is described in the following steps: entering the (four) value or the balance inquiry, or using a variety of cards and labels beforehand, and the electronic trading system 20 of the paper. During the period, the switch to the key Γ carrier is damaged or lost, and the function of the card 263 is selected to be used to replace the card at the terminal 26, and the card can be replaced after inputting the account and the secret machine 26& The program. The contents of each step of each of the above-described operating procedures can be displayed by the display 261, and the contents of the work for each step of the review are provided. In the present embodiment, each terminal device 26 can be integrated into a (four) machine towel of a store or a service providing unit, which facilitates the elimination of (4) work and accounting integration. The member database 221 of _22 also stores (4) records and stored value records corresponding to each account for members, stores, service providers or related account personnel to inquire. [00451 In this creation--implementation, the form number used by the user-created household AOiOI page I/total] 8 pages M422719 member code can be selected as ID number, phone number, mobile phone number 'code: E-mail address, company Yao Yao number, 辂定搌 and one of the genus and its combination. When establishing a membership account, you can choose to use any of the chip cards 28, any RFID card 27, RF tags, barcodes, 2D barcodes, quick response codes, and magnetic stripe cards that you already have as feature carriers. Health insurance card, leisure card, iCash card, Taiwan card, -tong card, credit card, financial card, cash card, transportation card, Octopus card or membership card, etc. The terminal device 26 of the present invention is provided with a corresponding wafer card reader, radio frequency standard reader, barcode reader, two-dimensional barcode reader, fast response code reader or magnetic strip reader. And so on, to read the feature code of the corresponding signature carrier. In one embodiment of the present invention, the display 261 and the operation keyboard 263 of each terminal 26 may also be integrated into a touch panel. [0047] By utilizing the electronic trading system 20 of the present invention, which can use various cards and tags, in addition to not having to manufacture new cards, the effect of saving energy and environmental protection can ensure that the amount in the electronic wallet belongs to each member without worrying about the loss of the card or I have been copied, stolen, and recorded. [0048] The above description is only for the embodiments of the present invention, and is not intended to limit the scope of the present invention, that is, the shape, structure, to-be-used, method and spirit described in the scope of the patent application. Equivalent changes and modifications shall be included in the scope of the patent application for this creation. [Simple diagram of the drawing] [0049] Fig. 1 is a schematic diagram showing the state of use of the e-wallet. [0050] FIG. 2 is a schematic diagram of a preferred embodiment of the present invention. Form No. A0101 Page 12 of 18 M422719 [Main component symbol description] / [β〇51] 12 Cash register · 121 Display [0052] 123 Operation keyboard 14 Reader [0053] 1 6 Chip card 161 Wafer [ 0054] 20 Electronic Trading System with Multiple Cards and Labels [0055] 22 Server 221 Member Library - [0056] 24 Network 26 Terminals • [0057] 261 Display 263 Operating Keyboard [0058] 265 Signature Reader 267 Member Keyboard [0059] 27 Radio Frequency Identification Card 28 Chip Card. [0060] 281 Wafer 29 Information Device Form No. A0101 Page 13 of 18