200917140 九、發明說明： 【發明所屬之技術領域】 本發明係有關於一種應用無線讀卡機以進行無線通訊交易的 技術領域，尤其係特別有關於一種讓客戶端經由無線通訊裝置與 遠端電子交易系統進行交易時，可以使用無線讀卡機來讀取一智 慧卡進行付費以提高交易安全性的技術領域。 【先前技術】 自從電腦及網路開始盛行以來，許多商業行為已發生重大的 變化，消費模式也有革命性的改變，消費者已不需親自前往實體 商店，而是可以透過各種虛擬通路來進行採購及消費。虛擬通路 可能有各種形式，例如，透過網際網路（如網路電子商店、線上 購物）、電信網路（如電話、行動電話等通訊購物）、電視網路（如電 視購物）、或是經由設置在公共場所的提款機（ATM)/資訊站 (Kiosk)/專用機等，來進行購買及付款。由於虛擬通路與實體商店 的交易不同之處在於，消費者並非以現金支付貨款，因此需要提 供帳務資訊來支付貨款，例如虛擬貨幣、電子錢包、提供消費者 的信用卡資訊、金融帳戶資訊、儲存有虛擬貨幣的帳戶/智慧卡等 相關資料，以進行虛擬貨幣的移轉、現金轉帳或是取得信用卡授 權銀行的授權，讓虛擬通路商店確認可收到貨款。 然而，由於通訊網路並不是十分的安全，甚至部分虛擬通路 商店可能會將消費者的帳務資訊竊取及外流，讓消費者無法信任 虛擬通路的交易安全；另一方面，由於市面上許多偽卡充斥，又 經常有惡意消費者使用竊取來的信用卡資訊進行交易，導致虛擬 通路商店及銀行蒙受重大損失。因此，雖然虛擬通路交易具有相 5 200917140 當的便利性，卻仍存在著許多風險及缺失，使得虛擬通路交易無 法完全的蓬勃發展。 近年來’由於傳統的磁條信用卡太容易被偽造及竊用，為了 提咼信用卡的交易安全，金融業者提出了一種智慧卡（smart card) ’其通常包含有一邏輯晶片（IC)，儲存有使用者的相關資訊如姓名 、帳號、卡片發行者、個人識別碼(PIN)等，使用者必須持有該智 慧卡且經由一特定的讀卡機方能進行交易，由於該智慧卡具有更 安全的加密機制及處理程序，因此比傳統的磁條信用卡更加安全 且不易被盜用。該智慧卡之使用標準規格，係經由三大信用卡國 際組織Europay、MasterCard和VISA所公佈，且已逐漸地在各實 體商店中廣泛的使用。 由於具有邏輯晶片（1C)的智慧卡使用已相當廣泛，且為了降 低虛擬通路交易的風險，金融業界目前亦在積極地推動消費者在 進行虛擬通路網路交易時’可經由個人或公眾的智慧卡讀卡機來 讀取1C晶片，將其中的資訊傳送到發卡端（如銀行）進行授權，以 確認使用者確實持有該智慧卡。然而，在無線通訊裝置如手機、 PDA等購物應用上，由於無線通訊裝置的設計往往講求輕薄短小 ，因此並不適合配備有讀卡機，消費者若是想要使用1(：信用卡來 進行交易’但又因無線通訊裝置未能内建讀卡機難以直接讀取IC 信用卡’就必須以習知的輸入信用卡號方式來進行交易，但如同 前述’會有信用卡號容易外洩、安全性偏低的問題。 因此金融業者另發展出其他的解決方案，例如將信用卡與 SIM卡結合、事先進行信用卡登錄認證、或是由電信業者代收代 付等。然而這些方式的缺點是，必須要進行前置作業，例如該SIM 卡要事先特別製作，或者消費者要事先進行約定或是登錄、註冊 200917140 等，方能夠使用這些方式來進行交易，但由於一般消費者往往持 有多家銀行的信用卡，甚至經常更換使用不同銀行的信用卡，若 是要能夠便利地使用每一張信用卡，就必須經常更新甚至要更換 SIM卡，或是將所有的信用卡進行登錄/註冊，其在使用上其實是 相當不便利，因此導致該制度在真正施行時普及性甚低。若是消 費者只能使用與SIM卡結合的特定信用卡，或是將受限於事先登 錄/註冊的信用卡，由於許多購物優惠都經常與不同的信用卡連結 ，或是不同的信用卡提供各種紅利點數、紅利折抵等，以刺激引 消費者的購買意願，若是在使用信用卡時缺乏自由度和彈性，不 但讓使用者感到使用不便，更阻礙了虛擬通路購物的促銷活動， 讓無線通訊裝置的購物更難以推廣。 前案如中華民國公告482971號專利案「行動交易系統」中所 述，其提出一種行動交易系統，使用者在透過PDA於網路購物， PDA連線讀卡單元讀取使用者所持有之卡片（如金融上或信用卡） 訊息，然後由手機透過網際網路將卡片之付款訊息傳遞予購物網 站，再由購物網站利用此卡片訊息向金融機構的付款系統請款。 該系統雖可以利用PDA以有線方式連線到一讀卡單元來讀取讀卡 機，然而其缺點是，該系統中手機須先連線到PDA再連線到讀卡 機才能夠讀取到卡片資訊，無法直接與讀卡機通訊，所需硬體成 本偏南’實用性不1¾。 另一前案如中華民國第1250768號專利案「將行動電話和非 接觸式1C卡相結合之方法及其裝置」，其提出了使用者可以將非 接觸式1C卡與行動電話結合在一起使用，行動電話中安裝有非接 觸式1C卡，該非接觸式1C卡具有一射頻接口，預先在行動電話 的記憶體中儲存信用卡、簽帳卡等帳號資料，然後使用行動電話 7 200917140 的操作介面、電源等，將信用卡資料透過非接觸式ic卡和讀卡機 通訊進行刷卡交易。然而其缺點是，使用者必須先將信用卡資訊 儲存在1C卡中，然後經由人機介面操作來選擇所欲使用的信用卡 ，讓使用者在使用前、使用時都必須經過額外的操作程序，使用 上並不便利，況且透過射頻方式將信用卡資訊傳出，已失去1C卡 加解密的功能，將使信用卡交易的安全性大幅降低。 另一前案如中華民國公開第200627317號專利案「行動電話 SIM CARD之非接觸式電子付費架構」，該案係提出將行動電話的 SIM卡結合1C晶片、非接觸式感應晶片（RFID)和傳輸天線(SIM卡 中包含IC、RFID和傳輸天線）；藉此，當消費者進行交易行為時 ，可將行動電話的SIM卡當信用卡，配合商家的讀卡系統，利用 非接觸式感應晶片進行電子交易，以達成電子付費扣款的功能， 提升消費購物的便利性。然而，此種方式係將信用卡資訊儲存在 RFID之中，其安全性偏低，且將限制使用者只能該使用該特定的 信用卡，將使得使用信用卡時缺乏自由度和彈性，讓使用者感到 使用不便；此外，在交易進行中還需要配合商家的讀卡系統運作 ，因此實用性不佳，無助於電子商務的推動。 如上所述，習知技術中多存在有多種缺點，為了改善上述問 題，發明人經過潛心研究，提出一種應用無線讀卡機之無線通訊 交易系統及方法，當使用者使用一無線通訊裝置與遠端的電子交 易系統進行交易時，其可經由該無線通訊裝置及像是藍芽、紅外 線、RFID或WiFi等無線通訊方式與一無線讀卡機通訊，然後由 該無線讀卡機讀取一智慧卡並將該智慧卡中的帳務資訊傳送到該 無線通訊裝置，以協助該無線通訊裝置來完成交易。此外，經由 本發明的系統及方法，消費者可使用安全相當高的智慧卡來進行 8 200917140 交易，大幅降低偽造信用卡或盜用信用卡資料的狀況發生，可大 幅降低虛擬通路交易的風險。 【發明内容】 本發明之一目的係在於提出一種應用無線讀卡機之無線通訊 交易系統及方法，其可便利一使用者使用無線通訊裝置進行交易 時可經由一無線讀卡機讀取一智慧卡來進行交易，大幅提高無線 通訊裝置的交易安全性，且其使用上如同一般有線讀卡機便利， 可兼顧安全及便利性。 本發明之另一目的在於經由本發明的系統及方法，消費者無 需向銀行、網站、電信業者進行註冊或登錄，亦可隨意使用任一 發卡銀行所提供之智慧卡，沒有習知技術中的使用限制，可提高 使用者的使用自由度，以及增加使用者的使用意願以促進無線通 訊裝置之虛擬通路交易的使用率。 本發明之另一目的在於經由本發明的系統及方法，使用者使 用已相當普且逐漸成為基本配備的無線通訊裝置及無線讀卡機來 進行虛擬通路交易，不會增加額外的硬體成本，讓無線通訊裝置 的虛擬通路交易更加容易普及。 依據本發明之一特色，本發明提出一種應用無線讀卡機之無 線通訊交易系統，該系統適用於一電子交易系統和至少一無線通 訊裝置之間，其中，該電子交易系統係經由一第一無線通訊網路 與該無線通訊裝置進行通訊鏈結，且可接收該無線通訊裝置之請 求以啟動一電子交易，傳送一交易内容資訊到該無線通訊裝置並 接收該無線通訊裝置所傳回之資訊以完成該電子交易，其中，該 系統包含有：一第一模組，設置於該無線通訊裝置中，用以接收 9 200917140 該交易内容資訊予以顯示，且用以供輸入一訂單資訊後產生一啟 動訊息；一第二模組，設置於該無線通訊裝置中，用以經由一第 二通訊網路與一無線讀卡機通訊，以將該啟動訊息傳送到該無線 讀卡機’並接收該無線讀卡機所傳回之資訊；以及，一無線讀卡 機，用以於接收該啟動訊息後，讀取一智慧卡之帳務資訊，經由 該第二無線通訊網路傳回該無線通訊裝置；其中，該第一模組更 包含用以於接收該帳務資訊後，將該訂單資訊及帳務資訊經由該 第一無線通訊網路傳回該電子交易系統，以請求執行該電子交易。 依據本發明之另一特色，本發明所提出之應用無線讀卡機之 無線通訊交易系統中，該第一無線通訊網路係為GSM、GPRS、 PHS、CDMA、CDMA2000、WCDMA、HSPDA 和 wiMAX 等其中 之任一 ’而該第二無線通訊網路係為藍芽、紅外線、RFID和WiFi 等其中之任一。 依據本發明之另一特色，本發明提出一種應用無線讀卡機之 無線通訊交易方法，適用於一電子交易系統和至少一無線通訊裝 置之間，其中，該電子交易系統係經由一第一無線通訊網路與該 無線通訊裝置進行通訊鏈結，且可接收該無線通訊裝置之請求以 啟動一電子交易，傳送一交易内容資訊到該無線通訊裝置並接收 該無線通訊裝置所傳回之資訊以完成該電子交易，其中，該方法 包含有以下步驟：該無線通訊裝置接收該交易内容資訊予以顯 示，且供輸入一訂單資訊後產生一啟動訊息；該無線通訊裝置經 由<第二通訊網路與一無線讀卡機通訊，以將該啟動訊息傳送到 該無線讀卡機；該無線讀卡機於接收該啟動訊息後，讀取一智慧 卡之帳務資訊，經由該第二無線通訊網路傳回該無線通訊裝置； 以及，該無線通訊裝置於接收該帳務資訊後，將該訂單資訊及帳 200917140 務資訊經由該第一無線通訊網路傳回該電子交易系統，以請求執 行該電子交易。 依據本發明之另一特色，本發明所提出之應用無線讀卡機之 無線通訊交易方法中，該第一無線通訊網路係為GSM、GPRS、 PHS ' CDMA、CDMA2000、WCDMA、HSPDA 和 WiMAX 等其中 之任一，而該第二無線通訊網路係為藍芽、紅外線、RHD和WiFi 等其中之任一。 依據本發明之又一特色，本發明提出一種應用無線讀卡機進 行無線通訊交易之可讀取記錄媒體，適用於一電子交易系統和至 少一無線通訊裝置之間，其中，該電子交易系統係經由—第一無 線通訊網路與該無線通訊裝置進行通訊鏈結，且可接收該無線通 訊裝置之請求以啟動一電子交易，傳送一交易内容資訊到該無線 通訊裝置並接收該無線通訊裝置所傳回之資訊以完成該電子交 易，該可讀取記錄媒體包含有：一第一程序碼，用以使該無線通 訊裝置接收該交易内容資訊予以顯示，且供輸入一訂單資訊後產 生一啟動訊息；一第二程序碼，用以使該無線通訊裝置經由一第 二通訊網路與一無線讀卡機通訊，以將該啟動訊息傳送到該無線 讀卡機；一第三程序碼，用以使該無線讀卡機於接收該啟動訊拿 後，讀取一智慧卡之帳務資訊，經由該第二無線通訊網路傳回詨 無線通訊裝置；以及，一第四程序碼，用以使該無線通訊I置於 接收該帳務資訊後’將該訂單資訊及帳務資訊經由該筮卜 布一無線通 訊網路傳回該電子交易系統，以請求執行該電子交易。 為使貴審查委員能進一步瞭解本發明之架構、特徵及功能 ，茲附以圖式及其具體實施方式詳細說明如後。 200917140 【實施方式】. 本發明之目的、優點和特色由以下實施例之詳細說明及圖式 當可更加明白，該實施例係作為實施方式之舉例說明，其目的是 為方便詳加說明本發明，而非用以限定本發明。本發明中所述之 無線通訊裝置，係指可經由無線通訊網路與遠端伺服器通訊以進 行電子交易之各種終端裝置，包含但不限定於行動電話、個人數 位助理器（PDA)、筆記型電腦、掌上型電腦等。 一般電子交易的啟動多是由使用者經由一終端裝置，如電腦 、手機或資訊站等，經由電信網路或網際網路與一商店端的電子 交易系統通訊鏈結以請求執行一電子交易，該電子交易系統啟動 一交易程序，產生一交易内容資訊傳送到使用者的終端裝置，由 使用者輸入/確認欲交易資料並輸入付款資訊，產生一訂單資訊並 回傳至該電子交易系統，由該電子交易系統確認該付款資訊如信 用卡資訊、銀行帳戶、電子錢包金額等，可獲得授權或正常扣款 後，則進行出貨作業以完成交易。 本發明主要是為無線通訊裝置之電子交易而設計，使用者可 持有任一智慧卡經由一無線通訊裝置來進行電子交易。本發明系 統架構請參考第一圖，其適用於一電子交易系統（10)和至少一無線 通訊裝置（20a〜c)之間以進行電子交易，其中，該電子交易系統（10) 係經由一第一無線通訊網路（30)與該無線通訊裝置（20a〜c)進行通 訊鏈結，且可接收該無線通訊裝置（20a〜c)之請求以啟動一電子交 易，傳送一交易内容資訊到該無線通訊裝置（20a〜c)並接收該無線 通訊裝置（20a〜c)所傳回之資訊以完成該電子交易。其中，該第一 無線通訊網路可以是GSM、GPRS、PHS、CDMA、CDMA2000、 WCDMA、HSPDA和WiMAX等各種無線通訊網路。 12 200917140 本系統主要係設置在該無線通訊裝置（20a〜c)中，並另配置一 無線讀卡機（40)，該無線通訊裝置（2〇a〜c)除了 一般其原有配備之 外，更包含有一第一模組(202)和一第二模組(2〇4)，以下則將分別 詳細說明各模組之功能及特性。 該第一模組(202)，設置於該無線通訊裝置（2〇a〜c)中，主要功 能係用以接收來自該電子交易系統（1〇)所傳送來的交易内容資訊 予以顯示，且提供一使用者輪入一訂單資訊後產生一啟動訊息。 其中，該第一模組(202)可藉由提供一操作介面來顯示該交易内容 >訊’以及提供該使用者來輸入該訂單資訊。 該第二模組（204)，設置於該無線通訊裝置中（2〇a〜c)，用以經 由-第二無線通訊網路⑽與-無線讀卡機㈣)軌，將該啟動訊 息傳送到該無線讀卡機並接收該無線讀卡機(4())所回傳之資 訊。其中’該第二無線通訊網路(50)可採用如藍芽、紅外線、好⑴ 或WiFi等無線通訊方式來進行通訊。 該無線讀卡機(40)，用以於接收該啟動訊息後，讀取一智慧 卡之帳務資訊，經由該第二無線通訊網路(5嘴送到該無線通訊裝 置(20a〜c)。其中，該無線頡卡機(40)係為習知技術之裝置，在此 則無須詳加贅述’其配合對應的第二無線通訊網路(5G)之通訊方式 ’而配備有對應的無線通訊馳，如藍芽通訊模組、紅外線傳輸 模組、RFID#輸模組等，藉以與It無線通訊裝置(2()a〜e)進行通訊 。而該無線讀卡機(40)之設置方式’可以是個人自備、專用之無線 讀卡機’使用者可以放置在家中或是隨身攜帶使用，或是配合家 中的電視機上盒内設的無線讀卡機；另—種設置方式亦可以是公 眾使用之减讀卡機’其可設置料W店巾、公共場所(如火車 站、捷運站）、特定購物/購票裝置(Ki0sk)、或是銀行提款機(ΑΤΜ) 13 200917140 之讀卡機加裝無線通 場所等地方於劉覽商便利使用#在特定商店、公共 來進行購物，舞後就近；^後，直接使用無線通訊裝置⑽〜〇 卡，以進行好交易 眾的無線讀卡機(4〇)來讀取其智慧 應的無線通訊裝置(歡G)之間係安裝有姆 (40)並接收其所傳回之帳務通訊裝置(2一)可以_ 庭用時，其安全性較高，使用者也β；^線讀卡機(4〇)為個人用或家 讓該無線通㈣置(2Ga ^者也較為m實施方式係可 慧卡，但在傳輸過啟動該無線讀卡機(4G)明取該智 無線讀卡機(40)為設置;:加密保護再進行傳輸為較佳，·該 ^ ^ m i?f) 、 A a场所供不特定人員使用時，該I妗 5fl裝置(20a〜c)與該無線讀 ‘，、、線通 性及避免傳輸錯誤，复Μ者1的通2為了其安全 訊協定，且在該無線通Γ=叫 加進行身分識別、或：:;：該間増 行加密保護再進行傳輪，《加強其傳輪安全性等程中亦應先進 -該g慧卡可以是接觸式或 片，例如-般常見的信用卡、記帳卡、金融卡、儲之卡 擬=/電子錢包)，卡或其他可用以支付款項或子2 ’而a亥帳務資訊可以熹 卡片等 、疋彳5用卡卡旒、記帳卡帳號、金融卡帳戶資 ;/··..·. /電子錢包/虛擬貨幣帳戶所儲存之虛崎幣、其他代收 代付機構帳戶相關資訊、或是其他可用以付款或記帳之帳務資料 Ο 更進一步時’為了保護該智慧卡中的帳務資訊，該益線讀卡 機(40)更可依據、配合該電子交易系統⑽或是銀行帳務處理系統 14 200917140 (未顯示）的特定加解密方式，將該帳務資訊進行加密之後再進行傳 送，由該銀行帳務處理系統接收到該加密帳務資訊之後進行解密 。此外，為了確認該帳務資訊傳送到該銀行帳務處理系統時係為 正確資料未經過竄改或變造，該無線讀卡機（40)更可依據、配合該 電子交易系統（10)或是銀行帳務處理系統（未顯示）的驗證機制，例 如各種押碼技術、MAC等，將該帳務資訊進行押碼以產生一押碼 資訊，並將該帳務資訊與該押碼資訊進行傳送，由該電子交易系 統（10)或是銀行帳務處理系統接收到該帳務資訊及押碼資訊之後 進行比對，亦即該電子交易系統（10)或是銀行帳務處理系統將該帳 務資訊重新押碼，然後與該押碼資訊比對以判斷是否相同，藉以 驗證該帳務資訊是否未經過竄改或變造。 將該帳務資訊進行押碼以產生一押碼資訊，並將該帳務資訊 與該押碼資訊進行傳送 該無線通訊裝置（20a〜c)經由該第二無線通訊網路（50)及該第 二模組（204)來接收該無線讀卡機（40)所傳回之帳務資訊，然後經 由該第一模組（202)將該訂單資訊及帳務資訊經由該第一無線通訊 網路(30)傳回該電子交易系統（10)，以請求執行該電子交易。 第二圖係為本發明提出應用無線讀卡機之無線通訊交易方法 的流程圖，適用於一電子交易系統和至少一無線通訊裝置之間， 其中，該電子交易系統係經由一第一無線通訊網路與該無線通訊 裝置進行通訊鏈結，且可接收該無線通訊裝置之請求以啟動一電 子交易，傳送一交易内容資訊到該無線通訊裝置並接收該無線通 訊裝置所傳回之資訊以完成該電子交易，其中，該方法包含有以 下步驟： 步驟S202，該無線通訊裝置接收該交易内容資訊予以顯示， 15 200917140 且供輸入一訂單資訊後產生—啟動訊息； 步驟S204 ’該無線通訊裳置經由一第二通訊網路與一無線讀 卡機通訊，以將該啟動訊息傳送到該無線讀卡機； 步驟S206,該無線讀卡機於接收該啟動訊息後，讀取一智慧 卡之帳務資訊，經由該第二無線通訊網路傳回該無線通訊裝置； 以及 步驟S208 ’該無線通訊裝置於接收該帳務資訊後，將該訂單 資讯及帳務資訊經由該第一無線通訊網路傳回該電子交易系統， 以請求執行該電子交易。 其中，該無線通訊裝置係為經由該第一無線通訊網路與遠端 伺服器通訊以進行電子交易之各種終端裝置，係為行動電話、個 人數位助理器（PDA)、筆記型電腦和掌上型電腦等其中之任一。 其中’該第一無線通訊網路係為GSM、GPRS、PHS、CDma 、CDMA2000、WCDMA、HSPDA 和 wiMAX 等其中之任-，且 係藉由提供一操作介面來顯示該交易内容資訊及輸入該訂單資訊 〇 其中，該第二無線通訊網路係為藍芽、紅外線、RFID和wiFi 等其中之任一；而該智慧卡係為信用卡、記帳卡、金融卡、儲值 卡、SIM卡和其他可用以支付款項或記帳卡片等其中之任一，該 帳務=貝訊係為彳§用卡卡號、記帳卡帳號、金融卡帳戶資料、虛擬 貨幣、電彳§帳號、其他代收代付機構帳戶和其他可用以付款或記 帳之帳務資料等其中之任一。 该步驟S206中，該方法更包含有以下步驟：該無線讀卡機 係依據一特疋加解密方式，將該帳務資訊進行加密之後再進行傳 送0 16 200917140 該步驟S206中，該方法更包含有以下步驟：該無線讀卡機 係依據一驗證機制，將該帳務資訊進行押碼以產生一押碼資訊， 並將該帳務資訊與該押碼資訊進行傳送；以及，該電子交易系統 於接收到該帳務資訊及押碼資訊時，將帳務資訊重新押碼，然後 與該押碼資訊比對以判斷是否相同，藉以驗證該帳務資訊是否未 經過竄改或變造。 應注意的是，熟習本發明技術領域之一般人員應可理解，本 發明之系統及方法亦可以由儲存於該無線通訊裝置或是其他紀錄 媒體中的程序碼來予以實現及應用，因此，本發明提出一種應用 無線讀卡機進行無線通訊交易之可讀取記錄媒體，適用於一電子 交易系統和至少一無線通訊裝置之間，其中，該電子交易系統係 經由一第一無線通訊網路與該無線通訊裝置進行通訊鏈結，且可 接收該無線通訊裝置之請求以啟動一電子交易，傳送一交易内容 資訊到該無線通訊裝置並接收該無線通訊裝置所傳回之資訊以完 成該電子交易，該可讀取記錄媒體包含有： 一第一程序碼，用以使該無線通訊裝置接收該交易内容資訊 予以顯示，且供輸入一訂單資訊後產生一啟動訊息； 一第二程序碼，用以使該無線通訊裝置經由一第二通訊網路 與一無線讀卡機通訊，以將該啟動訊息傳送到該無線讀卡機； 一第三程序碼，用以使該無線讀卡機於接收該啟動訊息後， 讀取一智慧卡之帳務資訊，經由該第二無線通訊網路傳回該無線 通訊裝置；以及 一第四程序碼，用以使該無線通訊裝置於接收該帳務資訊後 ，將該訂單資訊及帳務資訊經由該第一無線通訊網路傳回該電子 交易系統，以請求執行該電子交易。 17 200917140 該第三程序碼中’更包含用以使該無線讀卡機係依據一特定 加解密方式，將該帳務資訊進行加密之後再進行傳送。 該第三程序碼巾’更包含用歧該無線讀卡機餘據一驗證 機制，將雜務資訊進行押碼以產生—押碼資訊，並將該帳務資 訊與該押碼資訊進行傳送；以及，該電子交易系統於接收到該帳 務資訊及押碼資訊時，將帳務資訊重新押碼，_與該押碼資訊 比對以判斷是否相同，藉以驗證祕務資訊是否未經過竄改或變 造。 如上所述，本發明的優點是，經由本發㈣线及方法，可 大幅提高㈣費者制無線通訊裝4進行交胃的安全性，並可降 低偽造或盜用該帳務資訊的狀況發生，兼顧安全及便利㈣多項 優點。此外，使用者無需事先為敎卡片進行註冊或登錄，即可 隨意使用任-智慧卡於無線通訊裝置的電子交易中進行交易，可 增加使甩者的使用意願以促進虛擬通路交易的使料，實具有習 知技術中所缺乏的優點。 ~ 因此’無論就目的、手段及功效，在在均_本發明優 知技術’騎f審查委貝明察，早日賜准專利，俾嘉惠社會， 實感德便。惟應注意的是，上述實_僅為了胁說明之舉例而 已，本發明所主張之_範圍自應㈣請專職圍所述為準 非僅限於上述實施例’大凡依據本發㈣為之各種修飾與變化， 或將本發明线巾之各項模組、㈣或轉碼進行整合或 均仍應包含於本案之申請專利範圍内。 ° 【圖式簡單說明】 第一圖：本發明系統之架構圖。 18 200917140 第二圖：本發明實施方法之流程圖 【主要元件符號說明】 ίο 電子交易系統 20 a〜c 無線通訊裝置 202 204 30 第一模組 第二模組 第一無線通訊網路 40 無線讀卡機 50 第二無線通訊網路 19200917140 IX. Description of the Invention: [Technical Field] The present invention relates to a technical field of applying a wireless card reader for wireless communication transactions, and more particularly to a method for allowing a client to communicate with a remote electronic device via a wireless communication device. When the trading system is trading, a wireless card reader can be used to read a smart card for payment to improve the security of the transaction. [Prior Art] Since the beginning of the popularity of computers and networks, many business practices have undergone major changes, and consumption patterns have also undergone revolutionary changes. Consumers no longer need to go to physical stores in person, but can purchase through various virtual channels. And consumption. Virtual pathways can take various forms, for example, through the Internet (such as online e-shops, online shopping), telecommunications networks (such as telephones, mobile phones, etc.), television networks (such as TV shopping), or via Set up a cash machine (ATM)/ kiosk/special machine in a public place to make purchases and payments. Since the virtual channel is different from the physical store transaction, the consumer does not pay for the goods in cash, so it is necessary to provide accounting information to pay for the goods, such as virtual currency, e-wallet, credit card information for consumers, financial account information, storage. There is a virtual currency account/smart card and other related information for virtual currency transfer, cash transfer or authorization from a credit card authorized bank to allow the virtual channel store to confirm receipt of payment. However, because the communication network is not very secure, even some virtual channel stores may steal and outflow the consumer's accounting information, so that consumers cannot trust the transaction security of the virtual channel; on the other hand, because of many fake cards on the market Flooded, and often malicious consumers use stolen credit card information to conduct transactions, resulting in significant losses to virtual channel stores and banks. Therefore, although the virtual channel transaction has the convenience of phase 200917140, there are still many risks and shortcomings, which make the virtual channel transaction unable to fully develop. In recent years, 'traditional magnetic stripe credit cards are too easy to be forged and stolen. In order to improve the security of credit card transactions, financial operators have proposed a smart card, which usually contains a logic chip (IC), which is stored and used. Relevant information such as name, account number, card issuer, personal identification number (PIN), etc., the user must hold the smart card and can conduct transactions via a specific card reader, since the smart card is safer. The encryption mechanism and processing program are therefore more secure and less prone to misappropriation than traditional magnetic strip credit cards. The standard specifications for the use of this smart card are announced through the three major credit card international organizations Europay, MasterCard and VISA, and have been widely used in various physical stores. Since the use of smart cards with logic chips (1C) is quite extensive, and in order to reduce the risk of virtual channel transactions, the financial industry is currently actively promoting consumers' wisdom through personal or public use when conducting virtual channel network transactions. The card reader reads the 1C chip and transmits the information to the card issuing end (such as a bank) for authorization to confirm that the user actually holds the smart card. However, in wireless communication devices such as mobile phones, PDAs and other shopping applications, because wireless communication devices are often designed to be thin and light, they are not suitable for card readers. If consumers want to use 1 (: credit card to conduct transactions) Moreover, because the wireless communication device is unable to directly read the IC credit card by the built-in card reader, it is necessary to conduct the transaction by the conventional input credit card number, but as described above, the credit card number is easy to leak and the security is low. Therefore, financial companies have developed other solutions, such as combining credit cards with SIM cards, pre-authorizing credit card logins, or collecting and paying by carriers. However, the disadvantage of these methods is that they must be pre-positioned. Homework, for example, the SIM card must be specially made in advance, or the consumer must make an appointment in advance or log in, register 200917140, etc., in order to use these methods to conduct transactions, but because the average consumer often holds multiple bank credit cards, even Change the credit card of different banks frequently, if you want to use each letter conveniently Cards, you must always update or even replace the SIM card, or log in/register all the credit cards, which is actually quite inconvenient in use, which leads to the low popularity of the system when it is actually implemented. Can use a specific credit card combined with a SIM card, or will be limited to the credit card registered/registered in advance, because many shopping offers are often linked to different credit cards, or different credit cards provide various bonus points, bonuses, etc. In order to stimulate consumers' willingness to purchase, if they use credit cards, they lack the freedom and flexibility, which not only makes the users feel inconvenient, but also hinders the promotion of virtual channel shopping, making the shopping of wireless communication devices more difficult to promote. As described in the "Action Trading System" of the Republic of China Announcement No. 482,971, it proposes an action trading system in which users use the PDA to make online purchases, and the PDA connection card reading unit reads the card held by the user. (such as financial or credit card) messages, then the mobile phone transmits the payment message of the card through the Internet. The shopping website, and then the shopping website uses the card information to request payment from the financial institution's payment system. Although the system can use a PDA to connect to the card reader unit by wire to read the card reader, the disadvantage is that the system The medium mobile phone must be connected to the PDA before connecting to the card reader to read the card information, and can not directly communicate with the card reader. The required hardware cost is too south. The practicality is not 13⁄4. Another predecessor such as China In the case of the Patent No. 1250768, the method and device for combining a mobile phone and a contactless 1C card, it is proposed that a user can use a contactless 1C card in combination with a mobile phone, and the mobile phone is installed. Non-contact 1C card, the non-contact 1C card has a radio frequency interface, pre-stores credit card, charge card and other account data in the memory of the mobile phone, and then uses the operation interface of the mobile phone 7 200917140, power supply, etc. Swipe transactions through contactless IC card and card reader communication. However, the disadvantage is that the user must first store the credit card information in the 1C card, and then select the credit card to be used through the human-machine interface operation, so that the user must go through an additional operating procedure before and during use. It is not convenient. Moreover, the credit card information is transmitted by radio frequency, and the 1C card encryption and decryption function has been lost, which will greatly reduce the security of credit card transactions. Another predecessor is the Patent No. 200627317 of the Republic of China on the "contactless electronic payment architecture of mobile phone SIM CARD", which proposes to combine the SIM card of a mobile phone with a 1C chip, a contactless sensor chip (RFID) and The transmission antenna (the SIM card contains the IC, the RFID and the transmission antenna); thereby, when the consumer conducts the transaction behavior, the SIM card of the mobile phone can be used as a credit card, cooperate with the merchant's card reading system, and use the non-contact sensing chip. Electronic trading to achieve the function of electronic payment deduction, improve the convenience of consumer shopping. However, this method stores credit card information in RFID, which is low in security and will limit the user's ability to use the specific credit card. This will make the credit card lack of freedom and flexibility, so that the user feels Inconvenient to use; In addition, in the transaction, it also needs to cooperate with the business card reading system operation, so the practicality is not good, and it does not help the promotion of e-commerce. As mentioned above, there are many disadvantages in the prior art. In order to improve the above problems, the inventors have deliberately studied and proposed a wireless communication transaction system and method using a wireless card reader, when the user uses a wireless communication device and the far When the electronic trading system of the terminal conducts a transaction, it can communicate with a wireless card reader via the wireless communication device and wireless communication methods such as Bluetooth, infrared, RFID or WiFi, and then the smart card reader reads a wisdom. The card transmits the accounting information in the smart card to the wireless communication device to assist the wireless communication device to complete the transaction. In addition, through the system and method of the present invention, consumers can use a relatively high security smart card to conduct 8 200917140 transactions, greatly reducing the occurrence of forged credit cards or stealing credit card data, and greatly reducing the risk of virtual channel transactions. SUMMARY OF THE INVENTION One object of the present invention is to provide a wireless communication transaction system and method using a wireless card reader, which can facilitate a user to read a wisdom via a wireless card reader when using a wireless communication device for transaction. The card is used for trading, which greatly improves the transaction security of the wireless communication device, and is convenient to use as a general wired card reader, and can take both safety and convenience into consideration. Another object of the present invention is to enable a consumer to register or log in to a bank, a website, or a telecommunications carrier without using a system and method of the present invention, and to use a smart card provided by any issuing bank at will, without any prior art. The use restriction can increase the user's freedom of use and increase the user's willingness to use to promote the use of the virtual channel transaction of the wireless communication device. Another object of the present invention is to enable a user to use a wireless communication device and a wireless card reader that are relatively basic and gradually equipped to perform virtual channel transactions without adding additional hardware costs, according to the system and method of the present invention. Make virtual channel transactions of wireless communication devices easier to popularize. According to a feature of the present invention, the present invention provides a wireless communication transaction system using a wireless card reader, the system being applicable to an electronic transaction system and at least one wireless communication device, wherein the electronic transaction system is via a first The wireless communication network is in communication with the wireless communication device, and can receive a request from the wireless communication device to initiate an electronic transaction, transmit a transaction content information to the wireless communication device, and receive the information returned by the wireless communication device. Completing the electronic transaction, wherein the system comprises: a first module disposed in the wireless communication device for receiving 9 200917140 the transaction content information for display, and for inputting an order information to generate a startup a second module disposed in the wireless communication device for communicating with a wireless card reader via a second communication network to transmit the activation message to the wireless card reader and receiving the wireless reader Information transmitted by the card machine; and a wireless card reader for reading a smart message after receiving the start message The billing information is transmitted back to the wireless communication device via the second wireless communication network; wherein the first module further includes, after receiving the account information, the order information and the account information are transmitted through the first The wireless communication network returns the electronic transaction system to request execution of the electronic transaction. According to another feature of the present invention, in the wireless communication transaction system using the wireless card reader, the first wireless communication network is GSM, GPRS, PHS, CDMA, CDMA2000, WCDMA, HSPDA, and wiMAX. Either 'the second wireless communication network is any one of Bluetooth, infrared, RFID and WiFi. According to another feature of the present invention, the present invention provides a wireless communication transaction method using a wireless card reader, which is applicable to an electronic transaction system and at least one wireless communication device, wherein the electronic transaction system is via a first wireless device. The communication network is in communication with the wireless communication device, and can receive a request from the wireless communication device to initiate an electronic transaction, transmit a transaction content information to the wireless communication device, and receive the information returned by the wireless communication device to complete The electronic transaction, wherein the method includes the following steps: the wireless communication device receives the transaction content information for display, and generates an activation message after inputting an order information; the wireless communication device communicates with the second communication network via the second communication network The wireless card reader communicates to transmit the startup message to the wireless card reader; after receiving the startup message, the wireless card reader reads a credit card account information and transmits the message through the second wireless communication network. The wireless communication device; and the wireless communication device receives the account information, the order is received News accounts 200 917 140 Service and information via the first wireless communication network back to the electronic trading system, to request execution of the electronic transactions. According to another feature of the present invention, in the wireless communication transaction method of the wireless card reader, the first wireless communication network is GSM, GPRS, PHS 'CDMA, CDMA2000, WCDMA, HSPDA, WiMAX, etc. Any one of the second wireless communication networks is any one of Bluetooth, infrared, RHD, and WiFi. According to still another feature of the present invention, the present invention provides a readable recording medium for wireless communication transactions using a wireless card reader, which is suitable for use between an electronic transaction system and at least one wireless communication device, wherein the electronic transaction system is Communicating with the wireless communication device via the first wireless communication network, and receiving a request from the wireless communication device to initiate an electronic transaction, transmitting a transaction content information to the wireless communication device and receiving the wireless communication device Returning the information to complete the electronic transaction, the readable recording medium includes: a first program code, configured to enable the wireless communication device to receive the transaction content information for display, and generate an activation message after inputting an order information a second program code for causing the wireless communication device to communicate with a wireless card reader via a second communication network to transmit the activation message to the wireless card reader; a third program code for enabling After receiving the startup message, the wireless card reader reads a credit card account information, and the second wireless communication network Transmitting the wireless communication device; and a fourth program code for causing the wireless communication I to receive the accounting information and transmitting the order information and accounting information via the wireless communication network The electronic trading system requests execution of the electronic transaction. In order to enable the reviewing committee to further understand the structure, features and functions of the present invention, the drawings and their specific embodiments are described in detail below. The present invention is exemplified by the following detailed description of the embodiments and the drawings, which are illustrated by way of example It is not intended to limit the invention. The wireless communication device in the present invention refers to various terminal devices that can communicate with a remote server via a wireless communication network for electronic transactions, including but not limited to mobile phones, personal digital assistants (PDAs), and notebooks. Computers, palmtop computers, etc. In general, the electronic transaction is initiated by a user via a terminal device, such as a computer, a mobile phone or a kiosk, via a telecommunication network or the Internet to communicate with a store-side electronic transaction system to request execution of an electronic transaction. The electronic transaction system initiates a transaction process, generates a transaction content information and transmits the information to the user's terminal device, and the user inputs/confirms the transaction data and inputs the payment information, generates an order information and returns the information to the electronic transaction system. The electronic trading system confirms the payment information such as credit card information, bank account, e-wallet amount, etc., and after obtaining authorization or normal deduction, the shipment operation is completed to complete the transaction. The present invention is primarily designed for electronic transactions of wireless communication devices, and the user can hold any smart card for electronic transactions via a wireless communication device. Referring to the first figure, the system architecture of the present invention is applicable to an electronic transaction system (10) and at least one wireless communication device (20a-c) for electronic transaction, wherein the electronic transaction system (10) is The first wireless communication network (30) is in communication with the wireless communication device (20a-c), and can receive a request from the wireless communication device (20a-c) to initiate an electronic transaction, and transmit a transaction content information to the The wireless communication device (20a-c) receives the information returned by the wireless communication device (20a-c) to complete the electronic transaction. The first wireless communication network may be various wireless communication networks such as GSM, GPRS, PHS, CDMA, CDMA2000, WCDMA, HSPDA, and WiMAX. 12 200917140 The system is mainly installed in the wireless communication device (20a~c), and is further configured with a wireless card reader (40). The wireless communication device (2〇a~c) is not only in its original configuration. There is also a first module (202) and a second module (2〇4). The functions and characteristics of each module will be described in detail below. The first module (202) is disposed in the wireless communication device (2〇a~c), and the main function is to receive the transaction content information transmitted from the electronic transaction system (1〇) for display, and A start message is generated after a user turns in an order information. The first module (202) can display the transaction content > message by providing an operation interface and provide the user to input the order information. The second module (204) is disposed in the wireless communication device (2〇a~c) for transmitting the startup message to the second wireless communication network (10) and the wireless reader (4) track. The wireless card reader receives the information returned by the wireless card reader (4()). The second wireless communication network (50) can communicate by wireless communication methods such as Bluetooth, infrared, good (1) or WiFi. The wireless card reader (40) is configured to read the account information of a smart card after receiving the startup message, and send the message to the wireless communication device (20a~c) via the second wireless communication network. Wherein, the wireless card reader (40) is a device of the prior art, and the corresponding wireless communication protocol is not required to be described in detail herein, which corresponds to the communication mode of the corresponding second wireless communication network (5G). Such as Bluetooth communication module, infrared transmission module, RFID# transmission module, etc., to communicate with It wireless communication device (2 () a ~ e). The wireless card reader (40) setting mode ' It can be a personally-owned, dedicated wireless card reader' that users can place at home or carry it with them, or with a wireless card reader built into the box on the TV in the home; another setting can also be The publicly used minus card readers can be used to set up W shop towels, public places (such as train stations, MRT stations), specific shopping/ticketing devices (Ki0sk), or bank teller machines (ΑΤΜ) 13 200917140 The card reader is equipped with a wireless communication place, etc. Shops, public to shop, close to the dance; ^, directly use the wireless communication device (10) ~ Leica, to conduct a good wireless reader (4 〇) to read its smart wireless communication device G) is installed with M (40) and receives the accounting communication device (2) that it can return. It can be used safely, and the user is also β; ^ Line card reader (4) 〇) For the personal use or home to let the wireless pass (four) set (2Ga ^ is also more m implementation system can be Hui card, but in the transmission of the wireless card reader (4G) to open the smart wireless card reader (40 For the setting;: encryption protection and then transmission is preferred, · ^ ^ mi? f), A a place for unspecified personnel to use, the I 妗 5fl device (20a ~ c) and the wireless read ', , line-passage and avoid transmission errors, the multiplexer 1's pass 2 for its security protocol, and in the wireless Γ 叫 = call plus for identity recognition, or :::: 増 加密 加密 再 再 再 再 再"Enhanced the safety of its transmission and other aspects should also be advanced - the g-hui card can be contact or film, such as - commonly used credit card, debit card, financial card, The card is intended to be == e-wallet), the card or other can be used to pay the money or the child 2 'and the account information can be used for cards, etc., 疋彳5 with card card, billing card account, financial card account; ·..·./Souvenirs stored in the e-wallet/virtual currency account, information about other collection agency accounts, or other accounting information available for payment or billing Ο Further to 'protect this wisdom’ The account information in the card, the benefit line card reader (40) can be based on the electronic transaction system (10) or the bank account processing system 14 200917140 (not shown) specific encryption and decryption method, the account information After the encryption is performed, the transfer is performed, and the bank account processing system receives the encrypted account information and decrypts it. In addition, in order to confirm that the accounting information is transmitted to the bank accounting processing system, the correct data has not been tampered with or altered, and the wireless card reader (40) can further cooperate with the electronic trading system (10) or The verification mechanism of the bank accounting processing system (not shown), for example, various gambling techniques, MAC, etc., slaps the accounting information to generate a pledge code information, and transmits the accounting information and the escrow information. After the electronic transaction system (10) or the bank accounting processing system receives the accounting information and the pledge information, the electronic transaction system (10) or the bank accounting processing system compares the account. The information is re-coded and then compared with the scam information to determine whether it is the same, thereby verifying whether the accounting information has not been tampered with or altered. Charging the account information to generate a charge code information, and transmitting the account information and the charge code information to the wireless communication device (20a-c) via the second wireless communication network (50) and the first The second module (204) receives the accounting information returned by the wireless card reader (40), and then passes the order information and the accounting information via the first wireless communication network via the first module (202) ( 30) Returning the electronic transaction system (10) to request execution of the electronic transaction. The second figure is a flowchart of a wireless communication transaction method for applying a wireless card reader, which is applicable to an electronic transaction system and at least one wireless communication device, wherein the electronic transaction system is via a first wireless communication network. Passing a communication link with the wireless communication device, and receiving a request from the wireless communication device to initiate an electronic transaction, transmitting a transaction content information to the wireless communication device and receiving information returned by the wireless communication device to complete the The electronic transaction, wherein the method comprises the following steps: Step S202, the wireless communication device receives the transaction content information for display, 15 200917140 and generates an activation message after inputting an order information; Step S204 'The wireless communication is carried out via a second communication network communicates with a wireless card reader to transmit the activation message to the wireless card reader; and in step S206, the wireless card reader reads a smart card account information after receiving the activation message. Transmitting the wireless communication device via the second wireless communication network; and step S208 'the wireless communication After receiving the account information, the device transmits the order information and the account information to the electronic transaction system via the first wireless communication network to request execution of the electronic transaction. The wireless communication device is a variety of terminal devices for communicating with a remote server via the first wireless communication network for electronic transactions, and is a mobile phone, a personal digital assistant (PDA), a notebook computer, and a palmtop computer. Wait for any of them. Wherein the first wireless communication network is any one of GSM, GPRS, PHS, CDma, CDMA2000, WCDMA, HSPDA, and wiMAX, and the operation content is displayed and the order information is input by providing an operation interface. The second wireless communication network is any one of Bluetooth, infrared, RFID, and wiFi; and the smart card is a credit card, a debit card, a financial card, a stored value card, a SIM card, and the like. For any of the payment or billing card, the account is: 贝§ using the card number, billing card account, financial card account information, virtual currency, e-mail account, other collection agency account and other Any of the accounting materials available for payment or billing, etc. In the step S206, the method further includes the following steps: the wireless card reader encrypts the account information according to a special encryption and decryption method, and then transmits the data. 16 16 200917140 In the step S206, the method further includes There is the following steps: the wireless card reader performs charging of the account information according to a verification mechanism to generate a charge code information, and transmits the account information and the charge code information; and the electronic transaction system Upon receiving the account information and the charge code information, the account information is re-coded, and then compared with the charge code information to determine whether the same is the same, thereby verifying whether the account information has not been tampered with or altered. It should be noted that those skilled in the art of the invention should understand that the system and method of the present invention can also be implemented and applied by a program code stored in the wireless communication device or other recording medium. The invention provides a readable recording medium for wireless communication transactions using a wireless card reader, which is suitable for use between an electronic transaction system and at least one wireless communication device, wherein the electronic transaction system is connected to the first wireless communication network. The wireless communication device performs a communication link and can receive a request from the wireless communication device to initiate an electronic transaction, transmit a transaction content information to the wireless communication device, and receive information returned by the wireless communication device to complete the electronic transaction, The readable recording medium includes: a first program code for causing the wireless communication device to receive the transaction content information for display, and for inputting an order information to generate a startup message; a second program code for Causing the wireless communication device to communicate with a wireless card reader via a second communication network to Sending a message to the wireless card reader; a third program code for enabling the wireless card reader to read the account information of a smart card after receiving the start message, and transmitting the message through the second wireless communication network The wireless communication device; and a fourth program code, configured to enable the wireless communication device to transmit the order information and the account information to the electronic transaction system via the first wireless communication network after receiving the account information Request to execute the electronic transaction. 17 200917140 The third program code further includes a method for causing the wireless card reader to encrypt the account information according to a specific encryption and decryption method. The third program code towel further includes arranging the chores information by using a verification mechanism of the wireless card reader to generate the hack code information, and transmitting the account information and the hack code information; When the electronic transaction system receives the account information and the charge code information, the account information is re-coded, and _ is compared with the charge code information to determine whether the same is the same, thereby verifying whether the secret information has not been tampered with or changed. Made. As described above, the present invention has the advantage that the security of the (4) wireless communication device 4 can be greatly improved, and the situation of forgery or misappropriation of the accounting information can be reduced. Take into account safety and convenience (4) a number of advantages. In addition, the user can use the any-smart card to conduct transactions in the electronic transaction of the wireless communication device without registering or logging in for the card in advance, which can increase the willingness of the user to facilitate the virtual channel transaction. There are advantages that are lacking in conventional techniques. ~ Therefore, regardless of the purpose, means and efficacy, in the _ the invention of the invention technology, riding the review committee Beimingcha, early granting patents, 俾嘉惠社会, real sense of virtue. However, it should be noted that the above-mentioned actual _ is only an example of the description of the threat, and the scope of the invention claims to be (four) please refer to the full-time description as far as the above-mentioned embodiment is not limited to the various modifications according to the present invention. Integration with or variations of the various modules, (4) or transcoding of the present invention should still be included in the scope of the patent application herein. ° [Simple description of the diagram] First figure: The architecture diagram of the system of the present invention. 18 200917140 Second diagram: Flow chart of the implementation method of the present invention [Description of main component symbols] ίο Electronic transaction system 20 a~c Wireless communication device 202 204 30 First module Second module First wireless communication network 40 Wireless card reading Machine 50 second wireless communication network 19