TW385400B - A portable information and transaction processing system and method utilizing biometric authorization and digital certificate security - Google Patents

Abstract

The present invention is a portable client PDA with a touch screen or other equivalent user interface and having a microphone and local central processing unit (CPU) for processing voice commands and for processing biometric data to provide user verification. The PDA also includes a memory for storing financial and personal information of the user and I/O capability for reading and writing information to various cards such as smartcards, magnetic cards, optical cards or EAROM cards, The PDA includes an Universal Card, which is common generic smartcard with an unique imprint provided by a service provider, on which selected financial or personal information stored in the PDA can be downloaded to perform certain consumer transactions. The PDA includes a modem, a serial port and/or a parallel port so as to provide direct communication capability with peripheral devices ( such as POS and ATM terminals ) and is capable of transmitting or receiving information through wireless communications such as radio frequency (RF) and infrared (IR) communication. The present invention is preferably operated in two modes, i.e., a client/server mode and a local mode. The client/server mode is periodically performed to download a temporary digital certificate (which is necessary to access selected information stored in the PDA and to write such information to the Universal Card) from a central server of the service provider of the PDA and Universal Card. Next, the local mode of operation is performed by providing the PDA with biometric data and selecting one of the pre-enrolled credit cards that are stored in the PDA. Upon biometric verification, the Universal Card is written with the selected card information, which is then used to initiate a consumer transaction. In the absence of an unexpired digital certificate, however, the selected card information will not be written to the Universal Card, notwithstanding that the user may have passed local biometric verification.

Description

A7 B7 V. Description of the Invention (1) This application is based on a provisional patent application poem, application number 60 / 〇55,418, application date 1997/08/1 1. BACKGROUND OF THE INVENTION The present invention relates to a portable information and transaction processing system and method, and more particularly, to a portable information and transaction processing system and method that uses digital authentication security and bio-authorization to facilitate the processing of financial requests from users. Provide personal confirmation before trading and providing personal information. The domestic consumer market now and has widely accepted the use of credit cards to purchase or sell goods and services at point-of-sale terminals, and the use of ATM cards to perform electronic transactions at automated teller machines (atm), which are faster than the use of cash to purchase goods or services or debt. Concept. Use cash as a method of buying goods or debts-generally justified as a nuisance. First, in terms of accounting, consumers must manually generate records and make their accounts with such cash transactions. The green notes are consistent. But with a credit card issued by a financial institution, the credit card of such a financial institution can be used to record consumer transactions so that monthly bills can be sent to consumers to provide improved billing and consistency. In addition, the use of cash is a financially insecure way to protect consumers from fraud and theft. 'For example, if consumers believe that they have sold _ substandard products or too expensive items, they often occur in rapid consumption In the transaction, at this time, the consumer does not have enough time to go back and forth to buy something. Until a period of time after the purchase, if the credit card is used to purchase the goods, the consumer can easily contact the financial institution and order it to stop payment, so that the user Cash can be recovered from the seller of the item. And it ’s almost impossible for consumers to recover stolen or lost money. In other words, if a consumer ’s credit card is stolen or dismissed ___ __________ ~ 4-This paper standard applies Chinese national standards (CNS > A4 specifications (A 7 ------ I-B7 V. Description of the invention (2) ~; ------ then the consumer can notify the relevant financial institution to cancel the credit card account to prevent reissue of the card. Therefore it is obvious today Moving towards a cashless society, which has led to a significant increase in the use of credit cards. ATM cards and credit cards (collectively called financial cards) can be executed easily and easily. Although everyone knows that using financial cards has more benefits than cash, {疋 When using these cards There are still some disadvantages. For example, if consumers often use many financial cards, consumers must actually keep all of them to use the desired credit limit. They must carry many such financial cards, which is a great burden for consumers, Because many spaces in the consumer ’s purse or purse are occupied by these cards, and if the purse or purse is stolen or lost, the consumer must notify each financial card Financial institutions cancel bills to prevent illegal users from using these cards to make purchases, which is also a burden. The central standard of the Ministry of Economic Affairs is printed by the consumer and consumer cooperatives. Another disadvantage of using financial cards is that consumers are not completely stolen. Protection of illegal use, such as loss or loss, such as when a consumer compares the legal signature written on the back of a credit card (or should be written) with the user ’s signature on the credit card receipt to confirm the owner of the credit card, but in reality Shops generally do n’t compare these signatures in this transaction. Even if they do, they ca n’t compare the minimal difference between consumer signatures and fake signatures of illegal users, because they are not very careful or have special skills. Consumers ’credit cards are stolen or lost and consumers know they have been stolen or lost and demand to stop paying. 'Illegal users who found or stole credit cards during this time may have spent a lot of money with consumers’ credit cards, making consumption Must be under great pressure and financial institutions to explain it. _ -5- This paper size applies to China® Home Standard (CNS) A4 Specification (210X297 mm) A7 B7 Printed by the Consumers' Cooperative of the Central Bureau of Standards of the Ministry of Economic Affairs 5. Description of the Invention (3 Summary of the Invention Therefore, the purpose of the present invention is to provide a socks-type information and transaction processing device (Personal Digital Assistant or PDA), users can store their credit card, ATM card and / or debit card (ie financial) information, as well as personal information, and then use and write the selected information to the smart card (Universal Card), which is then used to initiate a POS, ATM, or consumer transaction. Therefore, another object of the present invention is to provide a PDA device that utilizes biosecurity for ease of use and before writing selected and personal information into the universal card Therefore, it is another object of the present invention to provide a digitally authenticated and secure PDA device 'by which the user is required to periodically recover from such use before using and writing selected information and personal information into the universal card'. The central server of the service provider of the universal card dispatches a temporary digital authentication to the PDA device. Therefore, another object of the present invention is to provide a PDA device with digital authentication security, which is compatible with the current structure (that is, can be used immediately without changing the existing structure) and brings biological safety to an electronic data transfer system. Biological validation cannot be performed at this time. Therefore, another object of the present invention is to provide a PDA device with digital authentication security, which can be applied to all applications or systems, in which magnetic and / or smart cards such as control cards are used to use a device service or building, Debit cards are used to perform ATM transactions, consumer cards or mobile phone cards (such as GSM (Group Special Action) digital cellular mobile wireless systems) are used to make phone calls and employee cards to access confidential information. In one aspect of the present invention, a portable information and transaction processing device is provided. The 6-sheet paper scale is applicable to Chinese national standards (CNS> M specification (2 丨 0'x 297 mm seed coat ----- 1T). ------ {Read the notes on the back of the article, and then fill out this page) A7 B7 The Central Ministry of Nuoji Printing is printed for the male workers' consumer cooperatives 5. The invention description (4), which contains · The central processing unit is used to control functions and to process many devices; the memory device is connected to the central processing unit during operation to store financial and personal information and to store temporary digital authentication; the communication device is connected to the central processing unit. Processor connection for establishing a communication connection with a remote central server to obtain temporary digital authentication; a user interface device, connected to the central processor during operation, for starting at least one of many device operations, and from The memory device selects one of the financial and personal information; a universal card, which is connected to the central processing unit and is detachable to receive the selected part of the financial and personal information; and the program device, which is centrally processed during operation The device connects and responds to the temporary digital authentication to write the selected part of the stored financial and personal information to the universal memory card. When the temporary digital authentication is invalid, it prevents the program device from selecting one of the financial and personal information. Writing universal card. The invention is a portable client PDA with a touch screen or other equivalent user interface, and has a microphone and a regional central processing unit (CPU) for processing voice activation instructions and processing biological data. To provide users with biological confirmation. The present invention includes:-memory 'to store the user's financial and personal information, and 1/0 working power to write information to various cards such as smart cards, magnetic cards, optical cards Or EAROM (electrically changeable read-only memory) card and read information from it. The present invention includes a universal +, which is a common smart card provided by a service provider with a unique seal (that is, an account number). The selected financial or personal information stored in the PDA can be downloaded there to perform various transactions. The PDA preferably includes-a modem,-a series of itching and / or side-by-side itching to provide and loading The direct communication, pDA can wirelessly -------- "equipment - (Read precautions • The backside of the page and then fill in) ^ ------ ------ set

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The Ministry of Economic Affairs, Central Bureau of Standards, Work and Consumer Cooperatives printed 5 wood communications such as radio frequency (RF) and infrared (IR) communications to send or receive information. The present invention preferably operates in two modes, a master-slave mode and a zone mode. The master-slave mode is performed periodically to download a temporary digital certificate from the central server of the pDA service provider. Β is performed by establishing communication between the PDA and the central server of the service provider via a modem or wireless communication. i slave mode. Once communication is established, the central server confirms the user biometrically or via a PIN or password or a combination thereof, and then generates a temporary digital certificate for download to the PDA. A temporary, unexpired digital certificate is required to access selected information stored in the PDA and write this information to the universal card. Then, execute the area mode of PDA operation to start a consumer transaction. Preferably, in the area mode, the user selects an encrypted credit card stored on the PDA by sending an oral instruction to the microphone of the PDA, thereby enabling the CPU to Handle verbal instructions and perform user confirmation. Or use biodata, PIN or password or a combination thereof to perform user confirmation (ie area confirmation). ○ During area confirmation, the selected information retrieved from the memory is written into the universal card, which can then be used to start a transaction. However, if there is no unexpired digital certification, the selected information will not be written into the universal card even though the user has passed the regional confirmation. The advantage of the present invention is that it can remove the burden that the user must carry multiple commonly used financial cards and / or credit cards. The financial information of each card can be stored in the pDA and can be written into the universal card when needed. If the universal card is stolen or lost, the user only needs to notify the service provider to stop payment in order to reissue a new account. In addition, because biological and digital authentication security can protect users from the illegal use of users' financial and personal information, therefore, for illegal users—theft-8-This paper standard applies Chinese national standards (CNS > A4 specification (210x297) • f »J IJ- ·" 装 装 ---- (please read " Nearby Notes " before filling out this page) .111 丁 *-· π A7 B7 or lost The universal card is useless. In addition, the present invention can be used without changing the PDA and the universal card. It can be used immediately under any of the invention descriptions (6 to change the existing structure, because the system uses magnetic cards or smart cards for electronic data transfer such as Selling point (POS) 4-terminal machine or automatic gate operator (ATM), which provides the function of direct debt. From the following detailed description of the preferred embodiments and the accompanying drawings, these and other objectives of the present invention, Functions and advantages. Brief description of the drawings. The block diagram of FIG. 1 illustrates the components of a portable information and transaction processing device according to the present invention. FIGS. 2a and 2b are diagrams of a universal card according to an embodiment of the present invention. The flowchart is shown according to the present The interaction between the portable information and the transaction processing device related to processing a transaction; FIG. 4: a flowchart illustrating a master-slave operation mode according to the present invention; FIG. 5 is a flowchart illustrating a region operation mode according to the present invention, and FIG. The flow chart of 6 illustrates another area operation mode according to the present invention. The detailed description of the embodiment is to understand that the same or similar elements in the drawings are marked with the same reference numerals, and it is more important to understand that according to this The elements of the functional module described in the invention can be implemented in various forms such as hard, body, or a combination thereof. Preferably, the main biological confirmation component and voice recognition component can be implemented in software, and include any appropriate and preferred components. A processor structure to implement the invention by designing one or more general purpose processors. It is also to be understood that because some of the elements of the invention described herein are preferably implemented as apple modules, therefore Figure-9- This paper rule Money® Finance (CNS) A4¾¾. (1Γ〇χ297Α ^ · -------- "'Crack ------ Order ------ C (Please Read the note on the back-item before filling out this page} Central Ministry of Economic Affairs Printed by the staff consumer cooperative of the Bureau A7 B7 Printed by the staff of the Central Standards Bureau of the Ministry of Economic Affairs Cooperative Cooperative Print 5. The actual connection shown in the description will vary according to the design method of the invention. Of course, a special-purpose processor can be used for implementation In the present invention, those skilled in the art can think of these and similar embodiments of the elements of the present invention under the known indications of the present invention. Referring first to FIG. 1, there is shown portable information and transactions according to an embodiment of the present invention. A processing (PDA) device 10, the core of which is a central processing unit (CPU) 12, which controls the operation of the PDA device 10 via a program stored in the memory 14 and executed by the CPU 12. In particular, the CPU 12 includes a sound processing module 16 for processing voice instructions input to the pDA device 10 through the microphone 18. The voice processing module 16 is also used to perform area speaker confirmation. The CPU 12 also includes: a digital authentication processing module 20 to process the digital authentication obtained in the master-slave operation mode (details are described below); and a biological processing module 22 to process voice data and additional biological Data, or only biological data to provide user confirmation. The CPU 12 further includes an encryption / decryption: group 24 to facilitate storage of personal and financial information prior to storage in the memory 14, and decryption of the information when made available to the operator. Although the CPU 12 shown in the embodiment is shown to include a digital authentication module 20, an encryption / decryption module M sound " * processing module 16 and a biological processing module 22, it should be understood that this module can also be implemented as Multiple special purpose modules each have a processor, associated memory and stored programs to perform these functions. The PDA device 10 includes a smart card reader 26 (commonly known in the industry) to read and write information from various cards such as magnetic cards, IC cards, and / or EAR cards (using known standards and technologies). During the area operation mode of the PDA device 1 (3), the universal card 26 HC card of the present invention is read (please read the notes on the back _1? Before filling out this page) Γ. This paper ruler National standards {CNSy ^^ · -10- (210x297 mm) Printed by the Shellfish Consumer Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs A7 ___B7 _ V. Description of the invention (8) Device 30 and when the user confirms, the financial or Ifg Personal information is written into the universal card 26. When not in use, the universal card 26 is stored in the smart card storage compartment 32 of the PDA device 10. The PDA device 10 includes a user interface display 34, which is preferably a liquid crystal display (LCD) ) Touch the screen display (or equivalent user interface) to display and / or enter data related to the operation or function of the PDA device 10. Or the interface display 24 may include a keyboard and a conventional LCD display. In addition, the PDA device 10 may be accessed through The speaker 36 communicates with the user or requests information from the user. During operation, the team 36 is connected to the CPU 12 through a text-to-speech converter 38. The text-to-speech converter 38 converts the CPU 12 signal into synthesized speech. It then went through Lama 8:36 and Make a sound. The PDA device 10 can be configured to simultaneously display this information and generate synthesized speech. In addition, the PDA device 10 can operate without a display (or limited display) and rely on the function of text-to-speech to use with such a device Communication information of the user. • Any known type of biosensor 40 can be provided to collect biological data (in addition to voice data, the voice data is received by the microphone 18) such as fingers, thumbs or fingerprints, hand socket samples, and retinal blood vessels. , Or a combination thereof to provide biometric confirmation instead of voice biometric confirmation, or both. This data is then processed by the bioprocessing module 22 to facilitate access to financial and personal information stored in memory 14 before providing the user Confirmation (ie biosafety) 'The person familiar with this technology should understand that the biometric verification function of the PDA device can be replaced with a PIN (Personal Identification Number) or password or in addition to the piN or password, the biometric verification function is provided for use. It is confirmed that β PD Α device 10 is better. It is equipped with various communication links such as serial port 4 2 and parallel -11-paper size Twin with China National Standard (CNS) A4 size (210X297 public t) - (Please read the back of the re-entry precautions • Complete this page)

A7 B7 Printed by the Consumers 'Cooperative of the Central Shaking Bureau of the Ministry of Economic Affairs 5. Description of the invention (9 port 44 (using a known computer interface standard), which can be connected to the CPU i2 during operation' and telephone line interface 46 (connecting using a known interface) ) To provide a device for establishing an intercommunication connection between the PDA device 10 and other peripheral devices such as computers, modems and printers. In order to establish wireless communication, the device is preferably equipped with an RF processing module 48, which It is connected between CPU 12 and RF port 50 during operation to process the incoming RF information received by RF port 50 and to use the known structure and method to generate transmission signals. It is output from port 1 50. The device also Equipped with an IR processing module 52, which is connected between the CPU 12 and the ir port 54 during operation, and uses a known structure and known method to process incoming optical information and to generate an output optical signal. The pDA device t 〇 includes a DTMF (Dual Sound Multi-Frequency) processing module 56 and a modem S8, which is connected between the CPU 12 and the telephone line interface 46 during operation. Via modem communication and / or DTMF voice communication on the telephone line, Finish using a known method Circulation of financial information. DTMF communication can be used to handle user confirmation and legal use of the PIN. Now refer to Figures 2a and 2b of the universal card 26 according to the embodiment of the present invention. The universal card 26 is basically a common wisdom The card includes a magnetic tape 28 (FIG. 2 a) or an integrated circuit (iC) (FIG. 2 b), or both, to store selected information retrieved from the memory 14 and pass through the smart card during the zone operation mode of the PDA device 10 The reader 30 writes a universal card 26. The universal card 26 (issued by the service provider) includes a unique universal card number 27 printed on it, which corresponds to a designated user account provided by the service provider (which is similar to Account number provided on a credit card or ATM card). Refer to the following more complete instructions, you can use the universal card number 27 to provide consumption ______ -12- This paper size applies to China National Standard (CNS) Λ4 specifications (210X297 mm) (Please Read the notes on the back-items before filling out this page)

、 1T A7 B7 Yinxian Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs of the People ’s Republic of China, Yin Jia V. Description of the Invention (10 users in POS transactions confirm that they use a conventional mechanical scanner instead of a tape scanner. The magnetic tape 28 of the universal card 26 is read. A unique universal card number 27 may also be used to provide the user with confirmation, for example, in which a consumer transaction is performed by telephone at a remote location. In this example, it is described below as an 'authorization number. 'It is currently unique to digital authentication and will be displayed on the PDA device 10 upon user confirmation' The user can be identified using an authorization number and a unique universal card number 27. Referring to the flowchart of FIG. 3, it is shown according to the present invention For interaction with the PDA device 10 related to processing a transaction, the user of the PDA device 10 and the universal card 26 (Figures i, 2) must first perform a recording procedure with a service provider. The recording requires a designated account number (that is, universal The unique imprint 27) on the card 26 provides the universal card 26 'and provides the service provider with the user's credit card or ATM card information so that the financial institution 70 issuing these cards can confirm such information. This information is then stored in the central server 60 of the service provider. The user then downloads this information to the PDA device 10 by establishing a communication connection (L1) with the central server 60. Or by pda The smart card reader 30 of the device 10 directly reads the information contained in these cards and loads the credit card or ATM card into the PDA device 10. In this case, the pda device 10 will use the PDA device user ID and The user ID of the card is compared to confirm the user to prevent the user from downloading the information on the card owned by another person to the user's PDA device 10. If the PDA device cannot confirm the owner of the card, the card passes directly Smart card reader 30 (that is, the card does not contain the name of its owner), it will require the user to record the card by providing the card information to the service provider (in order to obtain it from the appropriate financial institution) Confirmation), and 13- history, paper size applies Chinese National Standard (CNS) A4 specifications (21〇 > < 297mm) Order ------ (Please read the precautions on the back before filling out the transcript Page) Staff Consumer Cooperatives, Central Bureau of Standards, Ministry of Economic Affairs System A7 ~ I.-. _ B7 _ V. Description of the invention (11) Then connect to the central server 60 to download the card information. Records also need to store the user's club security number, address, name and date of birth, etc. The personal information of the central server 60 is provided to the service provider, who then uses this information to confirm the user during the master-slave mode before issuing digital authentication. The service provider provides a personal identification number PIN and a universal card 26 with a unique account number 27 , This information and biological data such as the user's voice record (model) are also stored in the service provider's central server 60, in order to confirm the user during the master-slave mode to obtain a digital certification (the detailed module is as follows As described). The central server 60 is a computer designed to perform functions described herein such as biometric verification, speech recognition, and generation and download of a temporary digital certificate. With reference to Figs. 1'3'4, the master-slave operation mode of the present invention will now be described. As described above, the user must periodically connect the PDA device 10 and the service provider's central server 60 (connection L1 of Fig. 3). ) To facilitate valid digital authentication from the central server 60 before starting a consumer transaction. In particular, digital authentication is a two-digit encryption file, which must be downloaded to the PDA device 10 before the user's personal or financial information can be written into the universal card 26. The digital certificate contains (but not limited to) information related to the account number of the PDA device 10, confirms the date and invalid date on the digital certificate, and any restrictions on each green card. The digital authentication is stored in the memory 14 of the PDA device 10, and before the transaction is executed (that is, the selected card information is downloaded from the memory 14 to the universal card 26) 'The digital authentication is decrypted by the encryption / decryption module 24 and loaded into the digital authentication The processing module 20 processes therein to determine whether it is valid. In order to obtain digital certification, the user must establish and serve the provider's Chinese __- -__ -14-This paper ruler scale (CNS) A4 size (21GX 297 mm) '' ~-(Please read the back first Please pay attention to Xiang Xiang and fill in this page again.) Install-= 11. Printed by the Central Bureau of Standards of the Ministry of Economic Affairs and Consumer Cooperatives, printed A7 B7. 5. Description of the invention (12) Communication connection of the central server 60 (connection of Figure 3) L1) (step 100 in FIG. 4) 'The communication is established by connecting with the central server 60 through the telephone line interface 46 through the modem 58 and the telephone line. The present invention also intends to establish communication with the central feeder 60 through a digital communication channel such as the Internet, an intranet or an intranet. Alternatively, the communication between the pr > A device 10 and the central server 60 may be established through wireless communication such as via the RF port 50 and the rf processing module 48. In addition, the central server can be connected via a special ATM (or other such public telephone), which uses the corporate network and TCP / IP to connect to the central server 60. It is understood that the pDA device 10 is in operation. Can be connected directly to public telephones (such as via serial port 42 and parallel port 44) or via wireless communication via RF port 50 or IR β As described above, those skilled in the art need to understand the present invention The central server 60 can be used through any conventional communication channel. Once the communication is established, the user is prompted (verbally with text on the user interface display 34 or through the text-to-speech converter 38 and the speaker 36) to enter certain confirmation information (step 102). This data is then transmitted to the central server 60 via the communication link L1. In particular, the central server 60 will ask the user some questions (the questions to be asked and answered during the recording process are randomly selected from the total question bank) e The PDA device 10 receives 1 and 12 and chases some questions and The display 7F is displayed on the user interface display 34, or transmitted to the text-to-speech converter 38, where it is converted into synthesized speech and transmitted to the user through the speaker 36 in a sound manner. The central server 60 also prompts the user to enter a PIN, which is issued to the user during the recording process. If the confirmation information of these requests is not provided within the preset time (step ι〇4) -15- This paper size applies the Chinese National Standard (CNS) Λ4 specification 77 ^^ 7 mm (谙 read the back first, v pay attention to the item (Fill in this page again)

A7 B7 V. Description of the invention (13) The central government bureau of the Ministry of Economic Affairs will eliminate the print of cooperatives, and the central server 60 will automatically cut off the communication connection u, and will not download digital authentication (step 106). In other words, if the user inputs the requested confirmation data in time (step 104), the central server 60 will process the data (step 108). The user can provide confirmation of the request by providing answers to the questions by speaking in the microphone 18. The sound signal is then received by the CPU 12 and then sent to the sound processing module 16, which processes the user's answer and communicates via the communication link. The line L1 is sent to the central server 60. In addition, the designated piN can be input through the user interface display 34. This piN is then processed by the DTMp processing module 56 to generate a corresponding sound signal, which is received and processed by the central server 60. It is preferably provided by saying "my piN number is 3456" in the microphone 18 PIN 'where the sound signal is processed by the sound processing module 16 and then transmitted to the central server 60 via the established communication connection Li. Although the user is entering the requested confirmation data, the central server 60 starts processing the confirmation data (step 208 ^ In particular, the central server 60 will perform speaker confirmation to compare the user's voice model, which was previously performed by the pDA device 1 The CPU 12 of 〇 processes and compiles with the user's voice record green. The record was previously stored in the central ship ⑼ during the recording process. In addition, the central dragon device 60 compares the answers provided by the user's answer with the recorded overshoot to determine Whether it matches. The central feeder 60 also confirms whether the piN entered by the user corresponds to the PIN issued during the recording process. If the confirmation information is processed, the central feeder 60 determines that the user is a legitimate user line L1 and does not Download the digital certificate (step ι〇6). It should be understood that the present invention can use Ren-16- (step 110), the conventional voice / speaker recognition that cuts off the communication connection (paper scale system f SS home fresh ( CNS) Λ4 Regulations (2 丨 0X297 · ^ ------------- "Approval of clothes -------- ：-玎 ------ ^ ------- ------ (Please read the note on the back before filling in this page) <-Printed by A7 B, Shellfish Consumer Cooperative, Central Plugging Bureau, Ministry of Economic Affairs 7 V. Description of the invention (14) The system, but the present invention is by no means limited by any details or methods of any special language knowledge system. , Which performs text-independent speakers to confirm the question raised by the money machine. M㈣ ’s speaker recognition and understanding of the use of the natural language of voice and non-voice models are incorporated, and the sister puts 丄 σ.w to provide services that are not illegally used. / The security of Hanshi (the central server 60) can be referred to the US Patent Application No. 71,784, filed June 6, 1997, entitled "Using non-sound and / or sound model and database theory "Confirm / identify / classify", which is assigned to the assignee of the present invention and its content is here for reference. In particular, the Wenzi Zi speaker-agnostic system is preferably based on the function of the frame border knife, such as 1997 U.S. patent application filed on January 28, titled "Text-Independent Speaker Identification for Transparency Instruction, Ambiguous Resolution and Continuous Access Control", which is commonly assigned to the assignee of the present invention and its content is also here For reference. In the referenced U.S. Patent No. 08 / 871,784, speaker recognition at a text dictionary is better than text-related or text-speaking speaker recognition, because text-independent allows speaker recognition to interact with other speech recognition functions in a way that The execution is executed in a way that consumers fully understand. However, it is important to understand that the present invention can use text-related or text-prompted speaker confirmation. It is also to be understood that US Patent No. 08 / 873,079 filed on June 11, 1997 Project's name "Portable voice interface for remote use of automatic speech / speaker recognition word server J Automatic speech / speaker recognition system, which ----- -17-National Standard for Paper Scale (2i0 reading public ^

A7 B7 V. Description of the invention (15 is jointly assigned to the assignee of the present invention and its content is provided here for McCaw. It can be preferably used in the present invention to provide a PDA device 10 and a central server 60. Correct speech recognition communication during remote transactions. Especially, as described in the above-mentioned U.S. Patent No. 08 / 873,079, there are some related problems when using automatic voice / speaker recognition to perform remote communication between master and slave systems. These problems include insufficient data correctness due to the deterioration of voice data, where data is transmitted on the communication channel and various background noises on the user side, which will reduce the accuracy of speech recognition. By preprocessing the communication channel to These problems can be solved by the voice signal transmitted on the server. This preprocessing includes characterizing the sound functions of the transmission device, environment, speaker and communication channel, so that this information is then processed by the central server to set the reference. Choose an appropriate decoding model and algorithm to identify the speaker or interpret the speech by modeling the channel transfer function and background noise In order to reduce the typo rate of speech or perform speaker recognition correctly. The Central Consumers Bureau of the Ministry of Economic Affairs's Consumer Cooperatives Co., Ltd. will print it back and refer to Figure 4. In other words, if the user is confirmed in (step 110), the central server will be H 60 The user will then be prompted to provide certain transaction restrictions such as the use of specific debit card information, the allowable spending limit limit during the lifetime of the temporary digital authentication, and / or the period during which the temporary digital authentication remains valid (step 112). The server 60 receives and processes this information, and then generates a digital certificate and encodes it with the limit requested by the user (step 114). The central feeder 6G then encrypts this digital certificate and passes the established communication connection L1 And download to the digital authentication processing module 20 (step 116, the steps to be understood) can use any known encryption method to perform encryption / decryption.

Huang Gong Consumer Cooperatives, Central Bureau of Standards, Ministry of Economic Affairs, used the printing process, as disclosed by B. Schenier " ApplUd Crypt〇graphy. First edition, Wiley, 1996. The digital authentication is then stored in the office, and in the memory ceremony 14 set to 1G, β. With the valid digital authentication, the user can then execute the area operation mode of the PDA device 10. It is to be understood as described above that the present invention may use piN or password protection to replace biological confirmation or both to obtain the required digital authentication from the central server 60. In addition, the method described in the above-mentioned U.S. Patent No. 73 () 79 can be used in the present invention to reset, or request to use the user's password 'name' to overwrite and / or encrypt / decrypt keys. Established a communication with the central shrine to return 60 (via ship-mounted i 10) to request such as change of PIN. See FIG. 1, 3 '5' to explain the zone operation mode of the present invention. The zone operation mode is the user's choice—a pre-recorded credit card (㈣gang) in memory ceremony 14. The sound activation command is selected for execution (such as saying "I want to use my American Express card" to the microphone 18), and this voice instruction is then received by the CPU 12 and processed by the sound processing module. It is to be understood that any known speech recognition can be used in the present invention, such as a commercial large-word vocabulary delete system: to perform the speech recognition function according to the present invention. Alternatively, the desired card can be selected through the user interface display 34, and then ⑽12 then searches for the recorder 14 to find the desired information (step plus). If the card was not previously stored in the pDA device 10 during the recording process, Then each knows: Show the user to choose another-step 204). If the requested card information is found in the memory, it must be installed in the card information. "---- Please read the precautions on the back before entering this page} 、 1Γ λ---I ·, ~ — ----— 一--19-This paper scales the meaning of towels. I I- I- I I- -I. Five inventions (17 A7 B7 Printed by the Staff Consumer Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs ¾ Enter the universal card Perform biological confirmation before 26, or exhaustive confirmation to replace biological confirmation, or perform both ^^^ or ^ ^ ^. In the preferred embodiment of the present invention, a voice activation instruction is used to select the desired card 18 function The biosensor is used to receive bio-speech data. This creature 2 is then sent to the sound processing module 16, where this data is processed by comparing the voice model of the current second-language 14 t user (step 2006) Although this recognition can be performed by any conventional method, the present invention preferably uses the speaker recognition methods disclosed in the aforementioned U.S. Patent Application Procedures 08 / 871,784 and 08 / 788,471. 'In another aspect of the invention For implementation, any known type of biosensor 40 may be used instead of a microphone, or The microphones are used together to collect biological data to use known methods such as finger, thumb or fingerprint data, handwritten data, retinal vascular-like data, or a combination thereof for processing by the biological processing module 22. Again, in the present invention In another embodiment of the present invention, a PIN or password confirmation can be used instead of this biological confirmation method, or two. (When using voice confirmation) in the sound processing module 丨 6 or (When using other biological confirmation methods) biological processing module After processing the biological data, or after both processing the biological data, it is determined whether the user is a legitimate user (step 208). If the user is not confirmed, the selected card information is not written into the universal card 26 ( Step 210), if the user is confirmed, retrieve the digital authentication from the memory 14 (previously included in the master-slave mode), and load the digital authentication processing module 20. The digital authentication processing module 20 processes the digital authentication to determine疋 Whether the digital S tolerance card is still valid (that is, it has not expired), and whether Thai is in master-slave mode 20- This paper size applies to China National Building Body (CNS) A4g (21 0X297mm) — I— —if-I · n \ 于 —— (Please read the note on the back before filling this page)

-* 1T A / ... Printed by the Central Standards Bureau of the Ministry of Economic Affairs, Shelley Consumer Cooperatives-, Invention Description (18) The user request restriction of the type of card has been banned or restricted for the selected card if the digital authentication is not valid (ie expired ), The selected message is not written into the universal card 26 (step 210). If the authentication is valid (that is, it has not expired), then the information from the memory_ = is stored in the encryption / decryption module 24. Encryption and decryption module 2 uses the unique encryption key of the ship device 10 to decrypt the selected card information (^ 214) ', and then sends the decrypted card information to the smart card reader π, and ^ writes to the universal card 26 (step 216), then delete the universal card 26 from the smart card reader and scan the magnetic reading device of the transaction terminal (picture stubborn 218), and then exchange the consumer by the communication connection M The information is sent to the appropriate financial institution 70 (step 220). In a more advanced transaction terminal 80, the pos or ATM transaction terminal 80 may write the universal card 26 with the parent receipt (step 222). With this function, the user can understand his transaction history by inserting the universal card 26 into the smart card reader 30, and then load the receipt information into the memory of the pDA device f 10 (step 224). The user can then transfer this information to a personal computer, which contains accounting software such as software sold under the trade name QUiCKEN. ° The advantage is that the present invention can be implemented immediately with the current structure, because the universal card 26 and all credit and / or smart card electronic money transfer systems (such as processing ATM cards, debit cards, credit cards, use control cards, execute Consumer card and / or service card systems). It should be understood that the present invention can be used to store and use personal information such as medical, financial information and other confidential information. It can read and write universal cards 20 or 21. This paper size is applicable to China National Standards (CNS) A4 Specifications (2i〇x297)

If — In UK m d ^ — · (please note the cold items on the back before filling in this page).?-11 if---i *

I J- I. i 1 '1 *? T Central Government Bureau of Standards, Ministry of Economic Affairs, Consumers and Consumers Cooperatives, Printing Fan A7 ________ B7 V. Description of the Invention (19) — One is not on the user interface display 34 (assuming a valid digital certification Check with regional users). For example, a doctor with a smart card can write this information to the smart card via the smart card reader of the pDA device 10 to retrieve certain medical information from the patient's PDA device (on patient confirmation). Or ‘this information is transferred by wireless communication between the patient ’s PDA device and the doctor ’s Pda device. It should also be understood that the present invention can interact with electronic money transfer systems, or with transaction terminals with wireless or direct communication capabilities, and does not even need to use a universal card 26. In particular, as shown by the dotted line in FIG. 5, the selected card information can be directly transmitted from the pda device to the ATM & pc) s transaction terminal through the established communication connection L2 to execute a consumer transaction (Figure Step 228 of 3) (ie, via serial port 42, parallel port 44 modem, IR port 54 or Rp port 50), without capturing and writing the card information to the universal card 26. In addition, the receipt of the transaction can be directly transmitted to the PDA device 10 through the communication connection (step do). It should be understood in this embodiment that if the user does not confirm biologically and / or if digital authentication is not valid, the CPU I2 of the g10 installed on the PDA will prohibit the selected card information from being retrieved from the transaction terminal 80 Retrieval and transmission to the transaction terminal 80 (step 226). In this particular embodiment of the present invention, the PDA device 10 itself actually replaces the land of the universal card, and therefore it is not necessary to write the selected card information into the universal card 26 first, and then transact via pOS or ATM The terminal has a magnetic reader and a universal card 26. ^ The invasion point is the biological security provided by the present invention and it does not require the transfer of electronic data such as transactions processed with a conventional mechanical credit card scanner, or at a distance of _ -22- This paper standard applies to Chinese gardeners 4 specifications (2 丨 0X297mm) -------- installation ------ 1T ------ o (Please read the precautions on the back before filling this page) A7 __ B7 '- ----------; ______ V. Description of the invention (20) Transactions and other transactions performed on local telephones 〇 In these cases, use the unique universal card number 27 (Figure 2) and the authorization number, and the store can Confirming the user's confirmation through the area, which is based on the currently valid digital authentication and guards when the user confirms. For example, referring to the flowchart of FIG. 6, which shows the remote mode (or mechanical scanner) area mode of the PDA device 10 during a consumer transaction. When the PDA device 10 is operated in the area mode, if the user confirms biologically (step 3). 8), and the pda device includes an unexpired digital authentication (step 31), the selected card information is retrieved from the memory 14 and decrypted (step 314). The desired credit card information and authorization number are then displayed on the user interface display 34 (step 316). This information can then communicate verbally with the store to process the transaction, if the user does not confirm it biologically, or if the device 10 —Expired digital authentication, the selected card information and authorization number will not be displayed (step 312) »The store can confirm that the user's area confirmation has been established by establishing a communication connection L3 (Figure 3) with the central server 60. It is correctly obtained that if the selected card information corresponds to a credit card, it was previously recorded (ie, recorded) with the service provider of the PDA device i0 and the universal card 26, and when the selected card information was transmitted to the financial institution (or executed Consumers, such agencies to verify the validity of credit cards, will ask the store to provide an authorization number (which is generated when the user confirms), except for the credit card expiration date. The store then sends the universal card number 27 and the displayed authorization number to the central server 60. Because the authorization number is an unexpired digital authentication function, it was previously obtained from the central server 60 in the master-slave mode. Therefore, the central server 60 Notifies the store user that the confirmation has been made correctly (step 318). ______- 23- This paper size applies to China National Standards {CNS) A4 specification (21〇χ297) 嫠 A7 B7 The Central Standards Bureau of the Ministry of Economic Affairs, the Consumer Cooperatives printed the information to the universal carter identification information by the PDA device information And add POS terminal, invention description (21 It should be understood that the signature confirmation can also perform area confirmation, so that the digital image of the user's valid signature can be displayed on the user interface display 34 by a known method, so that the store can compare The digital signature on the screen and the user's handwritten signature provide further identification. In addition, the present invention can use any conventional pressure-sensing display, in which the user of the PDA device can sign on the display, then process it and communicate with Comparison of real digital signatures stored in the memory 14 of the pDA device. For an example of this method, refer to, for example, "Automatic On-Line Signature" by Vic Nalwa

Verification ", Proc. IEEE, pj >. 215-239, February 1997 β It should also be understood that the PDA device 10 and the system of the present invention can be configured to provide an additional level of security for user confirmation to enable financial Institutions (such as credit card companies) can identify consumers as they make purchases. Especially in consumer transactions, confirm in the area (biological, PIN and / or password) and assume, of course, a valid digital certificate was previously downloaded from the central server 60. The PDA device 10 can be designed to encrypt the selected Under the card information 26 'and an encrypted file, it contains consumer-related uniqueness, including but not limited to this, such as consumer name and account number (issued with the service card of the universal card 26). The selected card information file will be transmitted to (via the universal card, RF or IR), and then transmitted to the processing financial institution directly in encrypted form along with the purchase details. In the same way, in order to provide remote services (via the Internet and the store's website), the encrypted card selection information and encrypted user information will be transmitted to the remote service (that is, our station) through the modem (TCP / IP). ) And then encrypt the paper to the Chinese National Standard (CNS) A4 (2 丨 0X297 mm) with a thick scale of -24. -------- Installation ------ Order ------ ^ (Please read the note 背面. On the back before filling this page) A7 B7 Printed by the Consumer Standards Cooperative of the Central Standards Bureau of the Ministry of Economic Affairs 5. The invention description (22) The form is transmitted to the financial institution. It should be understood that the encrypted form can be transmitted to the store Website by downloading this information directly from the modem 58 of the PDA device 10, or by downloading this information to the universal card 26, which is then read and transmitted by a PC equipped with a smart card reader and modem. , Assuming that the credit card was previously recorded by the service provider, the processing financial institution will retain the necessary keys (provided by the service provider at the time of recording) in order to decrypt the transmitted information to confirm the user ’s identity. Of financial institutions will provide The authorized number to the store, or in other words if the consumer illegally uses the selected card, the transaction is not allowed and the store is notified. Or the PDA device 10 may be designed to encrypt a copy of a valid temporary digital authentication in encrypted form (and in encrypted form Selected card information) is downloaded to the universal card 26 so that the digital certificate containing the necessary information can identify the user (and the selected card information) to be transmitted to the corresponding financial institution. The present invention has used another portable device To explain, those skilled in the art should understand that the configuration of the present invention can be implemented in other CPU systems such as mobile phones, portable laptops, network computers (NC), or built-in devices with the PDA device 10 described above. Component PC »For example, a laptop with a smart card reader 30 of the pda device 10 can be directly connected to the central server 60 via a modem, or via an internet server via a protocol such as Tcp / Ip And download a valid digital certificate. In addition, the functions and components of the PDA device 10 can be built into the mobile phone to complete the communication with the center through the cellular communication channel. Server communication 'This can be analog or digital. (Such as CDMA, GSM, etc.). Those who are familiar with this technology need to understand that it can be implemented-special ATM, public telephone 25-The paper size applies to Chinese national standards (CNS> A4 is now (2l0x " 297 Gongchu (Read the note on the back before filling in this page}

Printed by the Central Bureau of Standards, Ministry of Economic Affairs, Consumers and Consumers Cooperatives A7 B7 V. Invention Description (23 or pos terminal to perform the square ash and functions of the present invention to replace the pda device 'so as not to actually own a PDA device 10 ^ For example, a wisdom Card, which has digital authentication and user confirmation data (such as biometric data (voice record), PIN and / or password) and card information stored on it, can be inserted into ATM, public phone or POS terminal 'It is equipped with biometric A sensor such as a microphone β ATM then confirms the user biometrically or via a PIN or password. Assuming digital authentication is valid, the ATM can then activate the smart card, which can then be used to perform the purchase of an easy-to-take smart card. The validity period of the digital authentication (that is, until the digital authentication expires) is used, or until another card is loaded. In this embodiment, the 'smart card can only be used in a limited transaction volume. Using a method similar to the piN maintenance technology, the digital authentication can be downloaded. To the smart card, such as the above-mentioned U.S. Patent No. E73, G79, with the name "Portable Voice Interface for Remote Use of Automatic Voice / Speaker Identification Server Revealed. For example, the user can establish a communication connection with the central server 60 through a personal computer with a smart card reader, so that the user can provide confirmation information such as user ID, PIN 'smart card serial number' and ' Or biometric data to download a valid digital certificate to a smart card. It should also be understood that the PDA device 10 of the present invention can be used as a personal credit card so that money can be passed to a person with such a pDA device via a credit or debit card. For example, if user A owes user B a sum of money, user A will perform a regional confirmation (assuming user A has a valid digital certificate) to download the selected credit or debit card information to user A's "Universal Card" User A will provide a universal card, which is inserted into the smart card reader 30 of the PDA device 10 of the user 6 to the user 6 ^ User-26-. The paper size is applicable to China Sample engine {CNS) A4 specifications (2 丨 OXM7), (please read the precautions on the back and fill in this page)

The Order of the Ministry of Nursing Affairs, the Central Government, the Zhuong Gong Xiao Gong Anti-Poverty Cooperative, printed A7 I-_B7__ Five 'Invention Description (24) B then choose a certain amount of money to transfer from the universal card (ie the selected credit card) to the recorded financial of user B Either an account number (that is, a credit card account number). The user 8 then obtains the authorization number generated by the PDA device of the user A when the area is confirmed, and inputs this number into the PDA device of the user B. Of course, the above procedures can be executed directly (such as via IR communication), instead of actually exchanging universal cards. In order to prevent counterfeit transactions, the authorization number generated by user A's PDA device must be entered into user B's PDA device and user a's confirmation before entering the transaction amount into user B's PDA device. In other words, the PDA device of user b must be configured so that the authorization number of user A is not accepted by the PDA device of user B, unless the transaction amount is first entered into the pda device of user b. In addition, the PDA device of user B must be configured so that the authorization number of user a entered into the PDA device of user B is only valid in one transaction (that is, the amount of the PDA device entered by user B), so that the entire process must continue Repeat in each additional transaction between User A and User B. Or, in order to prevent counterfeiting, the PDA device of User A can be configured such that the authorization number generated by User A's PDA device contains money transferred to User B's account in an encrypted or hidden form so that User B cannot use And control that money. After entering the authorization number of user A, user 3 will establish a communication connection with the service provider to confirm the authorization number corresponding to the unique universal card number of user A, and then have the money transferred to the selected account of user B (Assuming the account number is registered by the service provider). A person skilled in the art can imagine the implementation of the present invention to circulate selected card materials __ -27- (CNS) Λ4 specification (210X297 mm-~ ---- (#Read the precautions on the back before filling in this Page) Binding-binding (χ --------: .- f I--II · A7 B7 V. Description of the invention (25 various methods of information, for example, in the visible future, information can be transmitted via personal area network (PAN) circulates between the individual and the system. The PAN uses human conductivity to connect a special electronic device with a receiver to a CPU carried by the individual. This concept can be used in the present invention to select a card Information can be transferred during human contact (such as handshake), rather than through magnetic cards or smart cards or wireless communication. In particular, the present invention can be implemented in the CPU of a PAN device in order to transmit the selected card information to the receiving device Such as ATN1 and POS terminal, it is equipped with the necessary software and hardware to support the pan data exchange. Although the following description of the embodiment of the present invention has been described with reference to the drawings, it should be understood that the present invention is not limited to these specific implementations For example, those skilled in this technology will not deviate Under the spirit or scope of the invention, many other changes and amendments can be made to it. All these changes and amendments must be included in the scope of the invention defined by the scope of the attached patent application. (Read the items on the back before filling in this Page). Packing * 11 Printed by the Consumer Cooperatives of the Central Bureau of Standards of the Ministry of Economic Affairs 28- This paper size applies to China National Standard (CNS) A4 (2 丨 0x297)

Claims (1)

The Consumer Cooperation of Employees of the Central Bureau of Standards of the Ministry of Economic Affairs Du Yina ΛΚ BS cs ___ D8 " ~ '.......... I ·… 一 —— — {夂 、 Scope of Patent Application L A kind of portable information and The transaction processing device includes: a central processing unit 'for controlling functions and processing many operations of the device; a memory device, which is connected to the central processing unit during operation, for storing financial and personal information, and for storing— Temporary digital authentication; The communication device is connected with the central processing unit during operation to establish a communication connection with a remote central server to obtain temporary digital authentication. The user interface device is connected to the central processing unit during operation. To start at least one of the many device operations of the device, and select one of the financial and personal information from the δ Ji Yi Zhao device; a universal card, connected to the CPU and detachable To receive a selected part of one of the financial and personal information; and a program device, which is connected to the central processing unit during operation and responds to a temporary digital authentication to store the The obtained portion of one of the financial and personal information is written into the universal memory card, and when the temporary digital certification is invalid, the program device is prevented from writing the selected portion of one of the financial and personal information into the Universal card. 2- If the device in the scope of patent application 1 includes a confirmation device, it is connected to the central processing unit during operation for confirmation-legal users and to prevent the program device from using one of the financial and personal information. Select to write the universal card, unless confirmation information is provided by the legal user of the device. 3. The device according to the scope of patent application: The confirmation device includes a biological confirmation device, and the confirmation data is biological data. -29- This paper ruler applies Chinese National Standard (CNS) Α4 specification (210x297 male thin) (# 先 闻 读 背 £ 哭 意 幸 项 #Fill in this \ 50-装 1Τ Λ cs -——_______ D8 Printed by the Consumer Cooperatives of the Central Standards Bureau of the Ministry of Economic Affairs :: Applicants for the scope of patent application 帛 3 items of the device 'of which the biometric device package :: biosensor device' is used to collect the biological information; and biological processing device is used Determine whether the biological data is provided by the legal user by processing the biological material. 5. For example: please patent the device of item 3, where the biological data is from a finger, thumb or fingerprint ... The handwritten sample is derived with a retinal blood vessel state and its combination.-The device of the scope of patent application No. 4 'in which the biometric verification device performs speaker verification, and the biometric data is voice data. 7. If the scope of patent application is No. 6 The device of item 'where the speaker confirmation is a speaker confirmation that has nothing to do with the text. 8. If the device in the scope of the patent application is the second one, it also includes an encryption / decryption device, and it is in operation with the central processor. The connection is used to encrypt the personal and financial information before the information is stored on the terabyte device, and to decrypt the selected part of one of the misplaced financial and personal information. 9. If a patent application is applied " More It includes a voice recognition device, which is connected with the central processing unit during operation, and is used to process voice instructions from a legitimate user of the device. '10, such as the installation of 9 patent applications. 'The voice recognition device includes: a A microphone for receiving a voice signal and converting the voice signal into an electric signal, and a sound processing device, which is connected to the microphone during operation to process the voice command. — 11. An information and transaction processing system '. System, including: a portable information and transaction processing device, with: -30- (Please read the back page first, pay attention to the dream items, and then fill out this page) -Install. Ό • ·:-ji II · ΛΚ BS C3 _____—__ D3 VI. Apply for a patent Fanyuan a central processor 'for controlling functions and for Handles many operations of the device; memory device, connected to the central processing unit during operation, used to store financial and personal information ', and used to store a temporary digital certificate; confirmation device, connected to the central processing unit during operation, used To store financial and personal information and to store a temporary digital certificate; the communication device is connected to the central processing unit during operation to transmit and receive data on the communication channel; the user interface device is connected to the central processing unit during operation Connected to start at least one of the many device operations of the device, and select one part of the financial and personal information from the memory device; the device responds to a temporary digital authentication to transfer the financial and The selected part of one of the personal information to a peripheral system to start a transaction; and a central server to connect from a remote location Communication channel, for generating the digital authentication, the digital transmission apparatus authentication | the portable information and transaction processing device of the communication channel, and memory device of the apparatus. 12. If the scope of the patent application item is tenth, wherein the central feeding device includes a device for processing the confirmation data sent from the portable # to confirm the legal user, and if the legal user is confirmed, then Send the digital certificate to the portable device. 13.- A portable information and transaction processing system with a master-slave operation mode and a regional operation mode, a method for performing an electronic, data transfer transaction, including the following steps: Scope of patent application A8 B8 C8 D8 The Consumer Cooperative of the Central Government Bureau of the Ministry of Economic Affairs prints and executes this master-slave operation mode to obtain a temporary digital certification. The master-slave mode includes the following steps: Slave and remote from the central server. The information and transaction processing device is connected to a central server on a communication channel, and the central server has confirmation data of legal users stored in a memory; inputting confirmation data to the portable device; transmitting the communication channel The input confirmation data on the central server is used to process the confirmation data provided to the central server to confirm the user by using the stored confirmation data of the legal user; and the transmitted confirmation data is If the legal user is confirmed after the processing, the temporary digital authentication is transmitted on the communication connection; and the regional operation mode is performed, wherein the regional operation mode includes the following steps: Provide confirmation information of the legal user of the system; Process the confirmation data to confirm the legal user; determine the temporary digital authentication No effective; selecting at least a portion of a person's financial information; and if the legitimate user to confirm and determine the temporary digital certification is valid, a transmission of the personal and financial information of the election of a ^ part to external systems. Please read I I Order 32- Private paper size applies Chinese National Standard (CNS) A4 specification (2I0X297 mm)