TWI506560B - Non - contact credit card and financial card trading device and its non - contact transaction method - Google Patents

Description

Contactless credit card and financial card transaction device and contactless transaction method thereof

The invention relates to a credit transaction card. Especially about a contactless credit card.

In general, credit cards are widely used in financial transactions or commodity trading, and currently mainly use contact credit cards. In addition, the traditional smart card is a large card with a size of 84mm X 54mm, which is generally applied to financial transaction systems such as financial cards, credit cards, ATM cards, or identity authentication systems such as health insurance cards. When swiping the card, the card reader reads the information on the magnetic strip to verify the identity and facilitate the credit transaction. However, this contact method often causes wear and tear on credit cards and pollution. When entering a password, it is easy to be recorded by others.

The present invention can provide a financial card suitable for a contactless type, a non-contact credit card or a composite card as described above.

The above contactless card includes an integrated circuit IC card. For fixed terminal applications, interactive authentication is available, such as in an automatic teller machine (ATM) where the user can operate at an automated teller machine (ATM) or an inductive credit card or card reader. To provide consumption or service.

The invention discloses a credit card, comprising a substrate, wherein the base of the credit card comprises an IC coupled to a signal transmitting and receiving device, so as to facilitate non-contact credit transaction by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device. The IC stores the information related to the card to facilitate transaction authentication. Such as card number, expiration date, and user related information. The signal transmitting and receiving device is an antenna or an induction coil. Such as planar antennas, such as PIFA, finger antenna, complex loop antenna. The antenna or induction coil is disposed on an inner or outer surface of the substrate.

The invention also has a financial card comprising a substrate, the substrate comprising an IC coupled to an antenna or an induction coil for facilitating contactless financial transactions by electromagnetic induction or electromagnetic resonance, wherein the IC stores the financial card Relevant information to facilitate transaction certification. Contains user-related information, passwords, account information, bank account information, and more.

Similarly, the present invention provides a subscriber identity module card comprising a base, wherein the base comprises an IC coupled to a signal transmitting and receiving device for facilitating contactless transmission of electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device. The transaction, wherein the IC stores authentication related information to facilitate transaction authentication, and the subscriber identification module card includes an output input interface to facilitate connection with the mobile phone connector. The signal transmitting and receiving device comprises an antenna or an induction coil. Wherein the antenna or the induction coil is disposed on the inner or outer surface of the substrate or inside or outside the mobile phone. The subscriber identity module card includes a user identity code.

A handheld communication device, comprising: an IC coupled to a non-contact transaction signal transmitting and receiving device for facilitating contactless transaction by electromagnetic induction or electromagnetic resonance through the signal transmitting and receiving device, wherein the IC stores authentication related The information is used to facilitate transaction authentication. The identification code is stored in the handheld device or in a subscriber identification module, and includes an output input interface to facilitate connection with the mobile phone connector. The handheld communication device includes a mobile phone or a number of assistants.

Based on the above needs, the present invention provides a contactless credit card reader, characterized in that it comprises a contactless reader/writer coupled to a non-contact signal transmitting and receiving device for facilitating electromagnetic induction through the signal transmitting and receiving device. It is a non-contact credit transaction by electromagnetic resonance, in which a contactless credit card reader is coupled to a remote server during use to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil.

A non-contact financial cash dispenser, characterized by the prior art, comprising a non-contact reader/writer coupled to a non-contact signal transmitting and receiving device for facilitating electromagnetic transmission through the non-contact signal transmitting and receiving device Inductive or electromagnetic resonance for non-contact financial transactions, where the contactless teller machine is coupled to the remote server during use to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil.

The following description provides a clear and unambiguous description to provide an overview of the embodiments of the invention. The following description of the drawings is intended to be illustrative of the preferred embodiments of the invention The invention is applicable to certification applications such as credit transactions and financial transactions, such as fixed terminal machines, including Automated Teller Machine (ATM), credit card machines, card readers or Point of Sales (POS) systems. Card reader. The following applies to the above application areas Description.

Referring to Figure 1, there is shown a schematic diagram of an IC card 10 in accordance with the present invention. In a preferred embodiment, the substrate material having the IC 12 described above may be a plastic material similar to that used in credit cards or transaction cards. For example, the material of the substrate preferably has a thickness ranging from 0.08 mm to 0.12 mm. In still another preferred embodiment, the size, material, and shape of the IC card described above are applicable to current financial cards, credit cards, or standard subscriber identity module cards. Its characteristics do not use the direct contact card mechanism of the magnetic strip to cause inconvenience. However, the present invention does not exclude the inclusion of a magnetic strip and provides two modes of operation.

As shown, it is a surface representation of one of the IC cards according to the present invention. The IC card 10 includes an IC 12 coupled to an antenna 14 (or an electromagnetic induction coil), and the antenna 14 can be located anywhere in the card or on the surface, including but not limited to either side of the IC card. In the case of a credit card, information such as the user's information, authentication code, card number or password can be stored in the IC in advance. The IC card may include a single IC, an integrated IC, or a plurality of ICs attached or embedded in the above IC card. The IC card may be a flexible printed circuit board (commonly known as a soft board) or a hard printed circuit board, and may be a transparent or opaque material. On the other hand, the IC may also include a memory, such as an Electrically Erasable Programmable Read-Only Memory (EEPROM) or a Flash memory, to facilitate storage of data. For user identification applications, etc.

In one embodiment, the IC 12 is coupled to store the information related to the card to facilitate the transaction authentication of the memory 122. The information includes but is not limited to, such as card number 12A, expiration date 12B, and user related information 12C or password, identification code, and the like. The IC 12 and the memory 122 are an integrated IC. The signal transmitting and receiving device is an antenna or an induction coil. Such as planar antennas, such as PIFA, broken antenna, finger antenna, complex loop antenna. The credit card does not need to be located on the magnetic stripe or metal contact interface of the card surface, such as a plurality of metal contacts on a general financial card.

In the case of a financial card, the IC card 10 according to the present invention may optionally omit the signal input/output contact interface 16, and may also include the above-described input/output contact interface 16 to enable the contact and contactless transaction authentication functions. In addition, it is convenient for the user to change the password. Credit cards do not require this interface16. Furthermore, the contact interface of the IC card is equivalent to the pin of the conventional standard smart card, and is a contact interface provided by a conventional standard smart card. Therefore, the card reader can communicate through the input/output interface. Can be widely applied to fixed terminals, including cash dispensers or endpoint sales system readers. In this embodiment, the IC card may be a smart card, but is not limited to a credit card, a financial withdrawal card, a progressive card, a debit card, and a stored value card. In addition, based on the application of this embodiment, the features of the embodiments of the present invention further include a signal, a transmitting and receiving device, which can be generally a planar antenna. The described embodiment of the invention is substantially equivalent in size to a financial card or an IC card. It can be coupled to the antenna 14 as a near field electronic wireless transaction or identification function. The antenna 14 can be a thin or planar induction coil or a so-called planar antenna, including but not limited to The loop antenna shown in the figure. In an embodiment, the configuration of the antenna is not limited to the above manner, and the configuration manner may be changed according to different needs. Transmit and receive signals through the antenna.

Compared to the prior art, the present invention has the advantage of being applied to contactless financial or transaction services. The invention has the following advantages: providing a contactless credit card, a financial card application, etc., no need to input a password, and can avoid being recorded by others. Based on the non-contact type, the card process can be avoided to damage the card body. Based on contactlessness, it provides a more hygienic transaction. In addition, there is no personal information or specific indication from the appearance of the card, and no card number or account number is displayed on the surface that is identifiable to the naked eye. The average person cannot steal or read any relevant information in appearance to improve security. The signature can also be stored in the memory 122 in a digital manner, which facilitates the identification and comparison with the bill signature. The surface of the card can be customized or painted according to personal style. Digital photos can also be added to the memory 122 to facilitate identification and improve transaction security.

In another application, the present invention can also be applied to a subscriber identity module card of a mobile phone. Referring to FIG. 2, the configuration has at least one antenna 14A buried in the IC card 10A or disposed on a surface or disposed on the same. Internal or external to the phone to facilitate the transmission and reception of signals. It includes a signal input and output contact interface 16A to facilitate contact with the mobile phone. It should be noted that this antenna is not an antenna for voice communication of the mobile phone itself, and is an antenna that is advantageous for contactless transactions. In this way, it is possible to use the mobile phone as a trading tool. Based on this, the subscriber identification module has There is a specific or personal certification identifier to identify the counterpart. Therefore, you can use this configuration for contactless transactions. It can be charged by a telecommunications or financial services company or by a VAT card. The above-mentioned contact interface 16A includes more than eight pins. Currently, only six of the mobile phone operators use the pin, so that the unused pin can be coupled with the antenna to contact the IC 12A as an information transmission path. Based on the advancement of semiconductor technology, it is able to provide sufficient memory capacity to store the added value in the memory of the card, deducted through consumption, and the related information can be transmitted through the transaction in the mobile phone 200 or card IC (or memory). The software displays the balance or transaction amount and time. When it is necessary to add value, it can be added through the contactless card reader or the endpoint sales system, or through the mobile phone 200 download or Internet value-added or preferential electronic ticket (if the mobile phone 200 has the WiFi module 210, See the fourth picture). If the card reader feels insufficient balance, it can automatically add the amount of the predetermined or set amount, and then debit the credit card issuing bank.

In operation, the non-contact card reader 50 or the end point sales system based on the illustration can be powered by the reader to generate a magnetic field (coil type) in an electromagnetic induction manner on the credit card (or other IC card, subscriber identification mode). The coil of the group card generates a current-driven card IC, intercepts the information in the memory, and processes the reply signal to the non-contact card reader through the IC. Similarly, based on the electromagnetic induction, the coil 52 of the contactless card reader 50 generates a signal feedback. The reader/writer 54, a control unit 60, coupled to the reader/writer 54 will process the desired message to be transmitted or received. In addition, an antenna can be used instead of a coil, and transmitting a signal through the antenna is accompanied by a magnetic field. Generate current through resonance on the card, subsequent processing as above Said. A contactless card reader or endpoint sales system is connected to the remote server. Through the network interface 56, coupled with the control unit 60, it is possible to exchange information with the remote database to facilitate transactions. And a print unit 58 is coupled to the control unit 50 to facilitate receipt of the information and the post-certification information with the credit card joint center to print the bill.

FIG. 3 is a functional block diagram of the non-contact cash dispenser 100 related to the present invention. It includes cash output or/and input unit 102 for exporting cash or entering cash for withdrawal or deposit. The inclusion control unit 104 is configured to control the processing of input signals and to connect with the host to facilitate transaction authentication and information inquiry. It is connected to the main memory 105 of the cash dispenser 100. 106 is a cash deposit and is contacted by the cash output/input unit 102 via the transport device 108. The non-contact financial cash dispenser includes a contactless reader/writer 110 coupled to the non-contact signal transmitting and receiving device 112 and the control unit 104 for facilitating electromagnetic induction through the non-contact signal transmitting and receiving device. Electromagnetic resonance performs a contactless financial transaction in which a contactless financial cash dispenser is coupled to a remote server during use to facilitate transaction authentication. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil. The other part of the operating mechanism is equivalent to the traditional mechanism, which has to configure the contact card reading mechanism 114 to facilitate the traditional card reading. Through the web interface 116, information can be exchanged with the remote database to facilitate transactions.

Based on the above statement, the present invention is also applicable to identity authentication or membership authentication, wherein one of the differences from the credit card is the data system stored in the memory. For identity certification data (member number), event records, digital images (such as photos), personal identity related information such as blood type, health information, housing information, spouse information and so on.

The present invention provides a method for consuming a handheld communication device, comprising: implanting a contactless transaction card or a stored value card or a credit card to the handheld communication device, the contactless stored value card comprising or coupled to a signal transceiver device; The handheld communication device is adjacent to a contactless reader/writer, and the contactless signal transmitting and receiving device performs contactless transaction by electromagnetic induction or electromagnetic resonance, wherein the non-contact stored value card is independent of the user identification module card. The stored value card is integrated into the user identification module card. At least the antenna or the induction coil is disposed in the non-contact stored value card, the user identification module card, and the inside or outside of the mobile phone can avoid the shielding effect.

A method for non-contact credit transaction, comprising: providing a contactless credit card and a contactless card reader, wherein the contactless credit card and the contactless card reader respectively comprise a signal transceiver; and the non-contact credit card is close to a non-contact The contact card reader performs non-contact transaction by electromagnetic induction or electromagnetic resonance through the non-contact signal transmitting and receiving device, wherein the contactless credit card includes an IC coupled to the corresponding signal transceiver device, and the storage card number and expiration date thereof And user information.

A non-contact method for conducting a financial transaction, comprising: providing a non-contact financial card and a non-contact cash machine, the contactless financial card and the non-contact cash machine each comprising a signal transceiver; the proximity of the non-contact financial card A non-contact cash dispenser performs contactless transaction between the non-contact signal transmitting and receiving devices by electromagnetic induction or electromagnetic resonance, wherein the non-contact financial card includes an IC coupled to the corresponding signal transceiver device for storing Bank account number, password, and account information.

The material of the antenna pattern is obtained from a copper foil or a metal alloy, and also includes an oxide having a metal, wherein some conductive materials made by this method are transparent or nearly transparent, and if the antenna is attached to glass or transparent On the substrate, it will have a visual penetration effect. The transparent material also comprises an oxide having doped alumina, the shape of which is formed by the use of a suitable mask during the formation of the transparent conductive layer.

The method of forming a transparent conductive layer comprises an ion beam method for forming a thin film structure at a low temperature, for example, the film can be formed at room temperature and has an acceptance of less than 3 x 104 ohm/cm, and a radio frequency magnetron sputtering film can also be used. Method (RF magnetron sputtered thin film method). The method of forming an antenna film such as indium tin oxide in the present embodiment can be formed in a humid air at room temperature based on cost considerations for manufacturing, and a desired pattern can be obtained at a high etching ratio. After the film is formed and patterned, it will be heated at a temperature between 180 degrees and 220 degrees Celsius. Three hours to reduce the resistance of the film and increase its transparency. Another formation method is a chemical solution coating method comprising conductive particles having an average diameter of 1 to 25 μm, cerium oxide particles having an average diameter of 1 to 25 μm, and a solvent, cerium oxide or alumina particles and The weight ratio between the conductor particles is preferably between 0.1 and 1, and the conductive particles are preferably selected from the group consisting of gold, zinc, silver, palladium, platinum, rhodium, ruthenium, copper, iron, nickel, cobalt, tin, titanium. , indium, aluminum, antimony, gallium, antimony and antimony metals. The conductive particles can be obtained by diluting one or more of the aforementioned metal concentrations by dilution in an alcohol/water mixed solvent, and the temperature in the heating zone is higher than one hundred degrees Celsius. The alumina particles can increase the electrical conductivity of the conductive film, and the conductive film coating liquid contains 0.1% to 5% by weight of metal particles. A diluent such as ferrous sulfate, trisodium citrate, tartaric acid, or sodium boron hydride may be added during the dilution process. The transparent conductive film can be obtained by applying the above liquid to a substrate and drying it to obtain a transparent conductive particle layer to form a transparent film. The substrate is then adhered to the object. Or apply directly to the object. The coating liquid for forming the transparent conductive layer is applied to the substrate by dipping, spin coating, spraying, roller coating or flexographic printing, and then from room temperature to 90 degrees Celsius. To dry the liquid, the coated film is then baked at a temperature not lower than one hundred degrees Celsius or irradiated with electromagnetic radiation.

In the above, the present invention has been described above by way of a preferred embodiment, and is not intended to limit the scope of the patent claims claimed. The scope of patent protection is subject to the scope of the patent application and its equivalent fields. Familiar with this collar Modifications or modifications made by those skilled in the art without departing from the spirit or scope of the present invention are intended to be equivalent to the equivalents and modifications of the present invention.

10‧‧‧IC card

12‧‧‧IC

14‧‧‧Antenna

122‧‧‧ memory

12A‧‧‧ card number

12B‧‧‧effective date

12C‧‧‧ User related information

16‧‧‧Signal input/output contact interface

50‧‧‧Contactless card reader

52‧‧‧ coil

54‧‧‧Reader

56‧‧‧Internet interface

100‧‧‧ Non-contact cash machine

102‧‧‧ cash output or / and input unit

104‧‧‧Control unit

105‧‧‧Main memory

106‧‧‧ Cash storage匣

108‧‧‧Transportation device

102‧‧‧cash output/input unit

110‧‧‧Contactless readers

112‧‧‧ Non-contact signal transmitting and receiving device

114‧‧‧Contact Reader

116‧‧‧Network interface

200‧‧‧Mobile phones

210‧‧‧WiFi module

The above aspects, as well as the advantages of the present invention, will be readily understood by the following detailed description. Wherein: the first figure is a schematic diagram of an IC card according to the present invention.

The second figure is a schematic diagram of a SIM according to the present invention.

The third figure is a schematic view of an automatic withdrawal device in accordance with the present invention.

The fourth figure is a schematic diagram of a non-contact transaction card configured for a mobile phone according to the present invention.

Schema symbol comparison table:

IC card 10

IC 12

Antenna 14

Memory 122

Card number 12A

Effective date 12B

User related information 12C

Signal input/output contact interface 16

IC card 10A

Antenna 14A

Signal input and output contact interface 16A

Contactless card reader 50

Coil 52

Reader 54

Network interface 56

Non-contact cash machine 100

Cash output or/and input unit 102

Control unit 104

Main memory 105

Cash storage 匣106

Transport device 108

Cash output/input unit 102 contact

Contactless reader/writer 110

Non-contact signal transmitting and receiving device 112

Contact reader 114

Network interface 116

10‧‧‧IC card

12‧‧‧IC

14‧‧‧Antenna

122‧‧‧ memory

12A‧‧‧ card number

12B‧‧‧effective date

12C‧‧‧ User related information

16‧‧‧Signal input/output contact interface

50‧‧‧Contactless card reader

52‧‧‧ coil

54‧‧‧Reader

56‧‧‧Internet interface

Claims (30)

A contactless credit transaction device comprising: a subscriber identification module card, disposed in a mobile phone, comprising a base, the base comprising an IC coupled to a signal transmitting and receiving device for facilitating transmission of the receiving device through the signal a contactless credit transaction, wherein the IC of the subscriber identity module card stores credit card related information for facilitating transaction authentication, wherein the signal transmitting and receiving device comprises a first electromagnetic induction coil; and a contactless card reader comprises: a reading a control unit coupled to the reader to process the desired transmission or reception of a message; a second electromagnetic induction coil for facilitating transmission or reception of the message, and exchanging information with the subscriber identification module card; wherein the non- The contact card reader electromagnetically generates the current generated by the second electromagnetic induction coil to drive the IC of the subscriber identification module card, and intercepts the information in the IC, and processes the reply signal to the contactless reading through the IC. a card machine, and the second electromagnetic induction coil of the contactless card reader generates a signal feedback to the contactless card reader to complete the credit Card transaction; wherein the value-added credit is stored in the memory of the mobile phone or the subscriber identity module card, and the transaction software stored in the memory of the mobile phone or the subscriber identity module card can display the balance or the transaction amount and time. When it is necessary to add value, it is possible to add value points through the contactless card reader or the endpoint sales system, or download or Internet value-added or preferential electronic ticket volume through the mobile phone. For example, in the non-contact credit transaction device of claim 1, a digital signature and a digital photo are stored in the memory to facilitate the post-reading identification of the contactless card reader to improve transaction security. . The non-contact credit transaction device of claim 1, wherein the material of the first electromagnetic induction coil and the second electromagnetic induction coil comprises a metal or a metal oxide; the first electromagnetic induction coil and the second electromagnetic induction The coil is for contactless trading. For example, the non-contact credit transaction device of claim 1 or 2 or 3, wherein the service company through telecommunication or financial or a combination thereof charges or deducts the value by way of a value-added method. A non-contact financial card transaction device, comprising: a subscriber identification module card, disposed in a mobile phone, comprising a base, the base comprising an IC coupled to a signal transmitting and receiving device for facilitating transmission and reception through the signal The device is configured to perform a contactless financial transaction, wherein the IC of the subscriber identification module card stores financial card related information for facilitating transaction authentication, wherein the signal transmitting and receiving device comprises a first electromagnetic induction coil; and a non-contact withdrawal The machine includes: a cash output or / and input unit for exporting cash or inputting cash for withdrawal or deposit; a control unit for controlling the processing of input signals and connecting with a host to facilitate transactions Authentication and information inquiry; a cash storage, contact with the cash output or / and input unit; a second electromagnetic induction coil to facilitate transmitting or receiving messages, and exchange information with the subscriber identification module card; a non-contact type a reader/writer coupled to the control unit to facilitate contactless financial transactions with a contactless financial card; wherein the contactless reader is driven by electromagnetic current generated by the second electromagnetic induction coil The subscriber identifies the IC of the module card and intercepts the information in the IC, and processes the reply signal to the contactless reader through the IC, and the second electromagnetic induction coil of the contactless reader generates a signal feedback to the non-contact a contact reader to complete a financial card transaction; wherein the contactless reader is coupled to the control unit via a network interface to exchange information with the remote database to facilitate the financial card transaction; Stored in the memory of the mobile phone or the subscriber identity module card, the transaction software stored in the memory of the mobile phone or the subscriber identity module card can display the balance or pay Easy money and time, when you need to add value, you can use the contactless reader or endpoint sales system to add points, or download or Internet value-added or discounted electronic ticket through the phone. For example, the non-contact financial transaction device of claim 5, wherein the non-contact cash dispenser is coupled to a remote server during use to facilitate transaction authentication. The non-contact financial transaction device of claim 5, wherein the first electromagnetic induction coil is disposed on an inner or outer surface of the substrate or is a cell phone antenna. For example, in the non-contact financial transaction device of claim 5, a digital signature and a digital photo are stored in the memory to facilitate the post-reading identification of the contactless reader to improve transaction security. . For example, the non-contact financial transaction device of claim 5 or 6 or 7 or 8 of the patent application, wherein the service company through telecommunication or financial or a combination thereof charges a fee or deducts by means of a value-added method. A handheld communication transaction device, characterized in that: a subscriber identity module is disposed in a handheld communication device, the subscriber identity module comprises an IC, having an identification code; and a financial card, a credit card, a leisure card information or a combination thereof, the subscriber The identification module includes an output input interface for facilitating connection with the mobile phone; the IC is coupled to a signal transmitting and receiving device comprising a first electromagnetic induction coil for facilitating contactless transactions, wherein the IC stores information for facilitating transactions; The contact card reader includes: a control unit; a second electromagnetic induction coil coupled to the control unit for transmitting or receiving a message; wherein the contactless card reader is electromagnetically induced by the second electromagnetic induction coil Current to drive the IC of the subscriber identity module, And intercepting the information in the IC, and processing the reply signal to the contactless card reader through the IC, and the second electromagnetic induction coil of the contactless card reader generates a signal feedback to the contactless card reader to complete the a transaction in which the contactless card reader is coupled to the control unit via a web interface to exchange information with the remote database for transaction; wherein the credit amount is stored in the mobile phone or the transaction In the memory of the subscriber identity module, the transaction software stored in the memory of the mobile phone or the subscriber identity module can display the balance or the transaction amount and time. When the value is required, the contactless card reader or Endpoint sales system bonus points, or downloads via the phone or Internet value-added or discounted electronic ticket volumes. For example, in the handheld communication transaction device of claim 10, the handheld communication device includes a WiFi module for downloading related information through the Internet. For example, in the handheld communication transaction device of claim 10, a digital signature and a digital photo are stored in the memory to facilitate the identification of the contactless reader after reading to improve transaction security. For example, the handheld communication transaction device of claim 10, wherein the contactless card reader is coupled to a remote server. For example, a handheld communication transaction device of claim 10 or 11 or 12 or 13 may be charged by a service company through telecommunications or finance or a combination thereof, or by way of a deduction. For example, in claim 10, the handheld communication device includes a mobile phone or a number of assistants; wherein the service company through telecommunication or financial or a combination thereof charges a fee or deducts by means of a bonus. A method for using a contactless transaction device, the method comprising: providing a credit card, a financial card, a leisure card information or a combination thereof in a mobile phone, the mobile phone comprising a first electromagnetic induction coil for facilitating transmission through a signal transmitting and receiving device Contact transaction; and non-contact proximity of a non-contact card reader through the mobile phone, through which the receiving device is used for contactless transaction, the contactless card reader includes a second electromagnetic induction coil to facilitate the mobile phone The first electromagnetic induction coil carries out information exchange; wherein the contactless card reader comprises a reader/writer; a control unit coupled to the reader for processing the desired message to be transmitted or received; wherein the contactless card reader The current generated by the electromagnetic induction of the second electromagnetic induction coil drives an IC of a subscriber identification module card, and intercepts information in the IC, and processes the reply signal to the contactless card reader through the IC, and the non-contact The second electromagnetic induction coil of the contact card reader generates a signal feedback to the contactless card reader to complete the transaction; Where the credit card or financial card transaction is performed, the contactless card reader is coupled to the control unit via a network interface to exchange information with the remote database for transaction; wherein the value added is stored in the mobile phone or the mobile phone In the memory of the subscriber identity module card, the transaction software embedded in the memory of the mobile phone or the subscriber identity module card is used to display the balance or the transaction amount and time, and when the value is required to be added, the contactless reading can be performed. Card machine or endpoint sales system bonus points, or downloads via the phone or Internet value-added or discounted electronic ticket volumes. For example, in the method of using the non-contact transaction device of claim 16, wherein a digital signature and a digital photo are stored in the memory, so as to facilitate recognition of the non-contact card reader after reading, to improve Safety of tradement. A method for using a contactless financial card transaction device, the method comprising: providing a subscriber identification module card, configured in a mobile phone, wherein the subscriber identification module card comprises a credit card, a financial card, a leisure card information or a combination thereof; The mobile phone includes a first electromagnetic induction coil for facilitating non-contact financial transactions through the first electromagnetic induction coil; and the mobile phone is attached to the non-contact cash dispenser through the first electromagnetic induction coil for contactless transaction Where the non-contact cash dispenser includes a cash output or/and an input unit, For cash or cash input for withdrawal or deposit; control unit for controlling the processing of incoming signals and connection with a host for transaction authentication and information enquiry; cash storage, and cash output or/and input unit Contact; a second electromagnetic induction coil to facilitate transmitting or receiving messages to exchange information with the mobile phone; a contactless reader coupled to the control unit to facilitate contactless financial transactions with a contactless financial card The contactless reader/writer generates an IC of the subscriber identification module card by the current generated by the electromagnetic induction of the second electromagnetic induction coil, and intercepts the information in the IC, and processes the reply signal to the non-transmission signal through the IC. a contact reader, and the second electromagnetic induction coil of the contactless reader generates a signal feedback to the contactless reader to complete a financial card transaction; wherein the non-contact type is performed when the credit card or the financial card is traded The reader is coupled to the control unit via a network interface to exchange information with the remote database for transaction; wherein the stored value is stored in the In the memory of the mobile phone or the subscriber identity module card, the transaction software embedded in the memory of the mobile phone or the subscriber identity module card is used to display the balance or the transaction amount and time, and when the value is required to be added, the non-transmission is passed. Contact readers or endpoint sales system bonus points, or downloads via the phone or Internet value-added or discounted electronic ticket volumes. For example, the use of non-contact financial card transaction equipment in the scope of patent application In the method, a digital signature and a digital photo are stored in the memory to facilitate the post-reading identification of the contactless reader to improve transaction security. A method of using a handheld communication transaction device, the method comprising: providing an IC in a handheld communication device, the IC being coupled to the first electromagnetic induction coil for performing contactless transaction, wherein the IC stores relevant authentication information, a subscriber The identification module card includes a credit card, a financial card, a leisure card information or a combination thereof to facilitate transaction authentication; the first electromagnetic induction coil is disposed on the handheld communication device to facilitate non-contact transaction through the first electromagnetic induction coil; And contacting the non-contact card reader with the handheld communication device, and performing non-contact transaction by electromagnetic induction or electromagnetic resonance through the first electromagnetic induction coil, wherein the non-contact card reader comprises a second electromagnetic induction coil; The contactless card reader includes a control unit; the second electromagnetic induction coil is coupled to the control unit for transmitting or receiving a message; wherein the non-contact card reader is electromagnetically induced by the second electromagnetic induction coil The current is driven to drive the IC, and the information in the IC is intercepted, and the response signal is processed through the IC to the non-connected a card reader, and the second electromagnetic induction coil of the contactless card reader generates a signal feedback to the contactless card reader to complete the transaction; wherein the non-contact card reader is used for the credit card or financial card transaction Coupling with the control unit through the network interface enables exchange of information with the remote database for transaction; The stored value is stored in the memory of the handheld communication device or the subscriber identity module card, and the transaction software stored in the memory of the handheld communication device or the subscriber identity module card is used to display the balance or the transaction amount. Time, when a value-added is required, can be added through the contactless card reader or endpoint sales system, or through the handheld communication device or Internet value-added or discounted electronic ticket. For example, in the method of using the handheld communication transaction device of claim 20, a digital signature and a digital photo are stored in the memory to facilitate the post-reading identification of the contactless reader to enhance the transaction. Safety. For example, the method for using the handheld communication transaction device of claim 20 includes the step of downloading the relevant transaction message through the handheld communication device. The method of using a handheld communication transaction device according to claim 20, wherein the handheld communication device comprises a WiFi module for downloading related transaction information through the Internet. The method of using the handheld communication transaction device of claim 20 or 22 or 23, the step further comprising displaying the transaction information through the handheld communication device. A method of using a handheld communication transaction device as claimed in claim 20 or 22 or 23, wherein a service company through telecommunications or finance or a combination thereof charges or deducts by way of a value added. A transaction method using a handheld communication transaction device, the method comprising: providing a first electromagnetic induction coil to a handheld communication transaction device for facilitating contactless transaction through the first electromagnetic induction coil; and using the handheld communication transaction device Proximity to a non-contact card reader for non-contact transaction by electromagnetic induction or electromagnetic resonance through a signal transmitting and receiving device, wherein the non-contact card reader each includes a second electromagnetic induction coil; wherein the handheld communication transaction device, Included in the mobile phone, the handheld communication transaction device has an IC coupled to the first electromagnetic induction coil for non-contact transaction, wherein the IC stores the information related to the game card to facilitate the transaction; The contact card reader includes a control unit; the second electromagnetic induction coil is coupled to the control unit for transmitting or receiving a message; wherein the non-contact card reader electromagnetically generates current by the second electromagnetic induction coil Driving the IC, intercepting the information in the IC, and processing the reply signal through the IC to the a contactless card reader, wherein the second electromagnetic induction coil of the contactless card reader generates a signal feedback to the contactless card reader to complete the transaction; wherein the value of the added value is stored in the handheld communication transaction device or the The memory of the subscriber identity module card is transmitted through the handheld communication transaction device or The subscriber identifies the transaction software in the memory of the module card to display the balance or transaction amount and time, and when the value is required to be added, the point value can be added through the contactless card reader or the endpoint sales system, or through the handheld Communication transaction device download or internet value-added or discounted electronic ticket. For example, in the method of using the handheld communication transaction device of claim 26, a digital signature and a digital photo are stored in the memory to facilitate the post-reading identification of the contactless card reader to enhance Safety of tradement. For example, in the method of using the handheld communication transaction device of claim 26, the step further comprises downloading the relevant transaction message through the handheld communication device. The method of using a handheld communication transaction device according to claim 26, wherein the handheld communication device comprises a WiFi module for downloading related transaction information through the Internet. The method of using the handheld communication transaction device of claim 26 or 27 or 28 or 29, the step further comprising displaying the transaction information through the handheld communication device.