WO2015074463A1 - 行动通讯装置点数交易系统及其方法 - Google Patents

行动通讯装置点数交易系统及其方法 Download PDF

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WO2015074463A1
WO2015074463A1 PCT/CN2014/087751 CN2014087751W WO2015074463A1 WO 2015074463 A1 WO2015074463 A1 WO 2015074463A1 CN 2014087751 W CN2014087751 W CN 2014087751W WO 2015074463 A1 WO2015074463 A1 WO 2015074463A1
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communication device
point
user
electronic communication
mobile communication
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PCT/CN2014/087751
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English (en)
French (fr)
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王本乐
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恩门科技股份有限公司
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Priority to AP2016009206A priority Critical patent/AP2016009206A0/en
Publication of WO2015074463A1 publication Critical patent/WO2015074463A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction

Definitions

  • the invention relates to a system for conducting a point transaction of a mobile communication device and a method for using the system, in particular to a mobile communication system point number transaction system and method thereof which are convenient for point transmission and safety.
  • the mobile phone is only used for contact, the function is slightly monotonous, and there is no other service. Therefore, corresponding to this situation, there is a corresponding mobile phone patch, which allows the mobile phone to have more functions and services through the combination of patches.
  • the various functions there is still no way to effectively improve the above financial problems.
  • the existing method has a network platform that integrates some of the above problems and improves them.
  • the user logs in to the platform through an account and converts the cash into transaction points in the platform, thereby replacing the problem of cash transactions.
  • the system and mode can only be operated on the computer, and the security only depends on the account password. If the account password is stolen, the internal transaction value with value will be easily transferred, causing the user's loss.
  • the inventors have intensively conceived and invented the design and design of the case in view of the many defects and inconveniences caused by the improvement of the system design of the above-mentioned mobile communication device.
  • the solution of the present invention is:
  • a mobile communication device point transaction system is applied to a system for mutually corresponding transactions between a plurality of electronic communication devices, the system comprising: at least one encryption chip, the encryption chip being combined with a SIM card in the electronic communication device; a function menu for the user to operate the chip; a plurality of storage devices respectively connected to the electronic communication device information; and at least one point unit connected to the storage device information, and the point number transmission is performed by the electronic communication device combined with the encryption chip At this time, the operation is performed through the function menu, and the corresponding number of points in the storage device are transmitted by the encryption chip operation.
  • the electronic communication device is a device of a mobile communication device.
  • the mobile communication device is one of a mobile phone, a tablet computer or a notebook computer.
  • a mobile communication device point transaction method is applied to a system for mutually corresponding transactions between a plurality of electronic communication devices, and the steps include:
  • the first user converts the currency to the relevant unit into a point unit and deposits it into the first user's storage account;
  • the first user transmits the point unit in the storage account to the storage account of the second user by operating the first electronic communication device;
  • the second user uses the point unit in the storage account of the second user through the second electronic communication device.
  • the first electronic communication device is combined with an encryption chip, and the encryption chip is combined with a SIM card in the electronic communication device, and the encryption chip defines a function menu, and the function menu is provided for the user to operate.
  • the currency is the currency of any country and the relevant unit is a local service agency.
  • This credit unit is used for payment or exchange for local currency use.
  • the mobile communication device point transaction system and method thereof when the transmission end wants to perform the transmission action, by operating the electronic communication device combined with the encryption chip, through the operation of the function menu, the corresponding electronic communication device
  • the point unit in the storage device transmits and transmits to the storage device of the electronic communication device at the receiving end, and the receiving end then uses the point unit to the corresponding service station for subsequent operation, thereby using both electronic communication devices
  • the transaction can be completed without going to a financial institution such as a bank, and can be operated anytime and anywhere, thereby achieving practical progress with convenient point transmission and good security.
  • FIG. 1 is a schematic structural diagram of a preferred embodiment of the present invention.
  • FIG. 2 is a schematic flow chart of a preferred embodiment of the present invention.
  • Figure 3 is a schematic view (1) of the operation of the preferred embodiment of the present invention.
  • Figure 4 is a schematic view (2) of the operation of the preferred embodiment of the present invention.
  • Figure 5 is a schematic view (3) of the operation of the preferred embodiment of the present invention.
  • FIG. 1 and FIG. 2 Please refer to FIG. 1 and FIG. 2 for a schematic structural diagram and a flow chart of a preferred embodiment of the present invention. It is clear from the figure that the present invention includes:
  • At least one encryption chip 1 and the encryption chip 1 is combined with the SIM card 41 in the electronic communication device 4;
  • At least one point unit 3 connected to the storage device 2 for information.
  • the electronic communication device 4 is a device of a mobile communication device, and is further defined as one of a mobile phone, a tablet computer or a notebook computer.
  • the first user converts the currency to the relevant unit into a point unit and deposits it into the first user's storage account;
  • the first user transmits the point unit in the storage account to the storage account of the second user by operating the first electronic communication device;
  • the second user uses the point unit in the storage account of the second user through the second electronic communication device.
  • FIG. 1 , FIG. 3 , FIG. 4 and FIG. 5 are schematic diagrams of the architecture and the operation diagrams of the preferred embodiment of the present invention. It can be clearly seen from the figure that the transmission terminal needs to be held for the first time.
  • Some electronic communication devices 4 are combined with the encryption chip 1, and the encryption chip 1 is attached to the SIM card 41 for connection operation, and a corresponding storage device 2 is generated on the system side of the present invention, and thereafter operated and used by the relevant unit.
  • the money is converted into the credit unit 3 and stored in the storage device 2; when the point unit 3 is to be transmitted, the randomly generated password is transmitted to the receiving end by the operation of the electronic communication device 4 and in conjunction with the operation of the encryption chip 1.
  • the message is sent to the receiving end to have a transmission of the point unit 3.
  • the application is made to the system side, and a corresponding storage device 2 is also generated.
  • the point unit 3 is stored in the storage device 2 at the receiving end to complete the transmission operation; if the storage device 2 is already present at the receiving end, the above application is not required.
  • the password is directly input and the point unit 3 can be received; by the above-mentioned structural actions and methods, as long as the operation is performed on the electronic communication device 4, the transmission operation can be performed anytime and anywhere, and the system further goes with the financial of various countries.
  • the unit cooperates, it will greatly simplify the problem of currency conversion and the procedure.
  • the transmitting end exchanges the local currency with the point unit in the relevant unit of country A.
  • the first user transmits the point unit 3 in the storage account to the second user by operating the first electronic communication device
  • the storage account that is, the storage device 2 corresponding to the second user
  • the second user is located in the country B, after which the receiving unit can use the point unit 3, for example, to pay or convert to the B country.
  • the local currency is used to achieve practical progress with easy point transmission and good security.
  • the key points of the mobile communication device point transaction system and method of the present invention to improve the existing technology are:
  • the SIM card 41 on the electronic communication device 4 can be combined with the encryption chip 1 to perform the operation of the system, and further, the transmission of the point unit 3 can completely improve the cumbersome problem of mutual conversion of various currencies, thereby achieving easy points. Practical and progressive transmission and security.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本发明公开了一种行动通讯装置点数交易系统及其方法，其包含至少一加密芯片、一界定于加密芯片内的功能选单、与电子通讯装置信息连接的储存装置及至少一与该储存装置对应配合动作的点数单元，通过上述的结构并协同下列步骤：第一使用者将货币至相关单位兑换成点数单元，并存入第一使用者的储存账号内；第一使用者借由操作第一电子通讯装置，将储存账号内的点数单元传输至第二使用者的储存账号内；第二使用者通过第二电子通讯装置，将第二使用者的储存账号内的点数单元进行使用，达成便于点数传输及安全性佳的实用进步性。

Description

行动通讯装置点数交易系统及其方法 技术领域
本发明涉及一种行动通讯装置进行点数交易的系统及此套系统使用方法，尤其是指一种便于点数传输及安全性佳的行动通讯装置点数交易系统及其方法。
背景技术
当今社会的商业行为频繁，常有大笔资金交易的情况，而为了进行资金的转移，则需去对应场合进行作业，如银行或ATM。
此种金融行为，除了国内业务，更进一步到国外业务，当中所牵涉的问题就更加庞大，如汇率、银行间是否有业务往来等等，借此，常会有传输端及接收端为此所苦。
另外，于国外工作的工作者来说，常常使用手机跟家乡的家人进行连络，对国外的工作者来说，因无法快速取得当地的身份证明文件，而上述的各种金融行为，对国外工作者来说，就更加复杂困难。
再者，手机仅仅进行连络使用，功能就略显单调，无法更进一步有其他服务，故对应此种状况，有一种对应的手机贴片，通过贴片结合，让手机有更多功能及服务，但多种功能中，依然没有一种方法可有效改善上述的金融问题。
此外，现有作法有一种网络平台，其整合了上述部分问题并加以改善，使用者通过账号登入至此平台内，并将现金转换成此平台内的交易点数，进而取代现金交易的问题，而这种系统及方式，仅能于计算机上操作，且安全性仅依靠账号密码把关，如账号密码被盗用，内部具有价值的交易点数将非常容易被转移，造成使用者的损失。
有鉴于此，本发明人针对上述行动通讯装置进行点数交易的系统设计上未臻完善所导致的诸多缺失及不便，而深入构思，且积极研究改良试做而开发设计出本案。
发明内容
本发明的目的在于提供一种便于点数传输及安全性佳的行动通讯装置点数交易系统及其方法。
为了达成上述目的，本发明的解决方案是：
一种行动通讯装置点数交易系统，运用于多个电子通讯装置间相互对应交易的系统，该系统包含：至少一加密芯片，该加密芯片与电子通讯装置内的SIM卡结合；一设于该加密芯片并供用户进行操作的功能选单；多个分别与该电子通讯装置信息连接的储存装置；及至少一与该储存装置信息连接的点数单元，将结合有该加密芯片的电子通讯装置进行点数传输时，用通透过该功能选单操作，并借由该加密芯片动作将该相对应配合的该储存装置内的点数单元进行传输。
该电子通讯装置为一行动通讯装置的设备。
该行动通讯装置为移动电话、平板计算机或笔记本电脑其中之一。
一种行动通讯装置点数交易的方法，运用于多个电子通讯装置间相互对应交易的系统，步骤包含：
a、第一使用者将货币至相关单位兑换成点数单元，并存入第一使用者的储存账号内；
b、第一使用者借由操作第一电子通讯装置，将储存账号内的点数单元传输至第二使用者的储存账号内；
c、第二使用者通过第二电子通讯装置，将第二使用者的储存账号内的点数单元进行使用。
该第一电子通讯装置结合一加密芯片，且该加密芯片与该电子通讯装置内的SIM卡结合，而该加密芯片内界定有一功能选单，该功能选单供用户进行操作。
该货币为任一国家货币，而该相关单位为设于当地的服务机关。
该点数单元用于付款或兑换当地货币使用。
采用上述结构后，本发明行动通讯装置点数交易系统及其方法，当传输端欲进行传输动作时，通过操作结合有加密芯片的电子通讯装置，通过功能选单的操作，将对应该电子通讯装置的储存装置内的点数单元进行传输，传输至接收端电子通讯装置的储存装置内，而接收端再将该点数单元至对应的服务处进行后续作业使用，借此，使用双方皆可通过电子通讯装置即可完成交易传输，不需至银行等金融单位进行，可随时随地进行操作，借此达成便于点数传输及安全性佳的实用进步性。
附图说明
图1为本发明较佳实施例的架构示意图；
图2为本发明较佳实施例的流程示意图；
图3为本发明较佳实施例的动作示意图（一）；
图4为本发明较佳实施例的动作示意图（二）；
图5为本发明较佳实施例的动作示意图（三）。
主要组件符号说明
加密芯片1功能选单11储存装置2
点数单元3电子通讯装置4SIM卡41。
具体实施方式
为了进一步解释本发明的技术方案，下面通过具体实施例来对本发明进行详细阐述。
请参阅图1及图2所示，为本发明较佳实施例的架构示意图及流程示意图，由图中可清楚看出本发明包括：
至少一加密芯片1，且该加密芯片1与电子通讯装置4内的SIM卡41结合；
一界定于该加密芯片1并供用户进行操作的功能选单11；
多个分别与该电子通讯装置4信息连接的储存装置2；及
至少一与该储存装置2信息连接的点数单元3。
其中该电子通讯装置4为一行动通讯装置的设备，更进一步界定为移动电话、平板计算机或笔记本电脑其中之一。
其使用步骤包含：
a、第一使用者将货币至相关单位兑换成点数单元，并存入第一使用者的储存账号内；
b、第一使用者借由操作第一电子通讯装置，将储存账号内的点数单元传输至第二使用者的储存账号内；
c、第二使用者通过第二电子通讯装置，将第二使用者的储存账号内的点数单元进行使用。
请同时配合参阅图1、图3、图4及图5所示，为本发明较佳实施例的架构示意图及动作示意图，由图中可清楚看出，于首次使用时，传输端需将持有的电子通讯装置4结合加密芯片1，将加密芯片1贴附于SIM卡41上，使其连接动作，并于本发明的系统端生成一对应的储存装置2，此后通过相关单位作业及使用者操作，将金钱转为点数单元3并存于储存装置2；当欲进行点数单元3传输时，通过电子通讯装置4的操作，并配合加密芯片1动作，将一随机生成的密码传至接收端的电子通讯装置4上，并以讯息告知接收端有一笔点数单元3的传输，此时接收端为首次使用此套系统的使用者时，即向系统端进行申请，同样生成一对应的储存装置2，之后把该笔密码输入后，将该点数单元3存入接收端的储存装置2内，完成传输动作；如接收端已有储存装置2，则不需进行上述的申请步骤，直接将密码输入后接收点数单元3即可；通过上述的结构动作及方法，只要在电子通讯装置4上进行操作，随时随地都可进行传输动作，而此套系统更进一步与各国的金融单位进行配合时，将可大幅度简化货币之间转换问题及手续，在此举一简单的应用例，传输端（即第一使用者）在A国的相关单位将当地货币换成点数单元3，并存入第一使用者的储存账号（即所对应的储存装置2）内，第一使用者借由操作第一电子通讯装置，将储存账号内的点数单元3传输至第二使用者的储存账号（即第二使用者所对应的储存装置2）内，而第二使用者位于B国，此后接收端接收后即可将该点数单元3进行使用，如拿去付费或兑换成B国当地货币，借此达成便于点数传输及安全性佳的实用进步性。
因此，本发明的行动通讯装置点数交易系统及其方法为可改善现有的技术关键在于：
仅需将电子通讯装置4上的SIM卡41结合加密芯片1，即可进行此套系统的运用，更进一步通过点数单元3的传输，彻底改善各种货币相互转换烦琐的问题，进而达成便于点数传输及安全性佳的实用进步性。
上述实施例和图式并非限定本发明的产品形态和式样，任何所属技术领域的普通技术人员对其所做的适当变化或修饰，皆应视为不脱离本发明的专利范畴。

Claims (7)

1、一种行动通讯装置点数交易系统，运用于多个电子通讯装置间相互对应交易的系统，其特征在于，该系统包含：
至少一加密芯片，该加密芯片与电子通讯装置内的SIM卡结合；
一设于该加密芯片并供用户进行操作的功能选单；
多个分别与该电子通讯装置信息连接的储存装置；及
至少一与该储存装置信息连接的点数单元，将结合有该加密芯片的电子通讯装置进行点数传输时，用通透过该功能选单操作，并借由该加密芯片动作将该相对应配合的该储存装置内的点数单元进行传输。
2、如权利要求1所述的行动通讯装置点数交易系统，其特征在于：该电子通讯装置为一行动通讯装置的设备。
3、如权利要求2所述的行动通讯装置点数交易系统，其特征在于：该行动通讯装置为移动电话、平板计算机或笔记本电脑其中之一。
4、一种行动通讯装置点数交易的方法，运用于多个电子通讯装置间相互对应交易的系统，其特征在于，步骤包含：
a、第一使用者将货币至相关单位兑换成点数单元，并存入第一使用者的储存账号内；
b、第一使用者借由操作第一电子通讯装置，将储存账号内的点数单元传输至第二使用者的储存账号内；
c、第二使用者通过第二电子通讯装置，将第二使用者的储存账号内的点数单元进行使用。
5、如权利要求4所述的行动通讯装置点数交易的方法，其特征在于：该第一电子通讯装置结合一加密芯片，且该加密芯片与该电子通讯装置内的SIM卡结合，而该加密芯片内界定有一功能选单，该功能选单供用户进行操作。
6、如权利要求4所述的行动通讯装置点数交易方法，其特征在于：该货币为任一国家货币，而该相关单位为设于当地的服务机关。
7、如权利要求4所述的行动通讯装置点数交易方法，其特征在于：该点数单元用于付款或兑换当地货币使用。
PCT/CN2014/087751 2013-11-20 2014-09-29 行动通讯装置点数交易系统及其方法 WO2015074463A1 (zh)

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