Apparatus of combined online music player and chip card reader, and online payment system and method using the same

An apparatus of combined online music player and chip card reader, comprising:

• an online music playing unit, wherein the unit includes an ID used for identification by a network information service platform, and the unit further includes:
• a data mission interface used for the apparatus connecting to a computer system;
• an audio processing unit used to perform an analog-to-digital conversion to the downloaded streaming music signals;
• a memory unit electrically connected to the audio processing unit, and used to buffer the undealt streaming music signals;
• a speaker used to output the converted streaming music signals;
• and
• a chip card reading unit connected to the online music playing unit through an interface, connecting to the network information service platform via the network by the computer system;
• wherein the online music playing unit and the chip card reading unit share the interface to connect the computer system, and jointly share power supplied by the computer system.

A payment method adopting an apparatus of combined online music player and chip card reader, comprising:

• establishing a hardware connection, which connects the apparatus with a computer system, thereby links to a network;
• executing a network platform agent program in the computer system;
• driving an online music playing unit and a chip card reading unit disposed in the apparatus;
• connecting to a network information service platform through the network platform agent program;
• accessing a chip card via the chip card reading unit;
• verifying a signal from the chip card, and performing a trade and a payment through the connection between the network platform agent program and the network information service platform;
• and
• acquiring a balance and a deduction of the chip card from an information server via the network information service platform.