Background technology
Prosperity day by day along with society and financial circles, the quantity of transaction with credit is to be a dark horse, and in various transactions with credit, use plastic moneys such as credit card consumption mode since tool by its convenience, adopted by general consumption masses, also early to become the major transaction pattern in the behavior of daily purchase commodity.
Existing credit card funded payment method as shown in Figure 1, its major transaction step system comprises:
Step 101 and step 112, the user must be at least one issuing unit, for example bank, financial institution or businessman, application can be represented this user's credit card, user's request for data (personal data) then is stored in a credit management unit (or claiming the Financial Information center), and the user then can hold this credit card;
Step 103 when the user desires to carry out a purchase transaction, consigns to a sales end (businessman) with the credit card that the individual held, and sales end is then consumed consumption datas such as the amount of money with input by a machine for punching the card;
Step 105 is inserted the action of swiping the card in the machine for punching the card with credit card, to read this credit card information;
Step 107, machine for punching the card with credit card information, consume the amount of money, transaction data such as the plane No. of swiping the card (be sales end numbering) and charge time pass to this credit management unit, and the request for data that this credit management unit will compare credit card information and store, if the data comparison is correct, then obtain an authorization code;
Behind the authorization code that step 109, sales end are got, will print credit card and sign a bill (or payment sign a bill), and by user's signature and exchange the shopping commodity for, to finish the trading activity of shopping commodity.
Above-mentioned known sales slip mode is accepted by the consumer, and is widely used in the general credit card trade occasion.But, in the above-mentioned purchase method, it must be inserted user's credit card in the machine for punching the card of sales end, to swipe the card action and read credit card information, and therefore in this process, cause credit card information to suffer unworthy personage's side record most probably or steal, and and then make pseudo-card to steal the brush behavior, not only form the shopping dispute easily, also will cause issuing bank or user's monetary loss or goodwill infringement.In addition, when the user leaves behind wallet or credit card and gos out, also usually cause the awkward situation that to pay a bill.
For this reason, seek another kind of simpler and easy and safer electronic transaction pattern, just popular desired all the time by all financiers and consumption.And portable electronic devices such as mobile phone are owing to use the popularity rate height, and again with the property carried, therefore also are considered as one of selectable method by the dealer.Yet, though portable electronic devices such as mobile phone have property easy to carry, but its safety in utilization, use rapidity and personal identification identification are another directly by the doubt of popular institute, therefore, utilize mobile phone still to remain to be developed with the technology as the commodity transaction media.
In addition, the technology of an additional radio-frequency (RF) tag (RFID) in a kind of mobile phone in the streets occurred, it mainly by the identification agility of RFID, to improve the identification of mobile phone, can carry out commodity consumption other function in addition by this.But, existing mobile phone is set up the technology of radio frequency label, all be that RFID is arranged on hand-set host plate or the subscriber identification module (SIM card), it is controlled by mobile phone manufacturer or telecommunications dealer to issue licence, for financial institution or general businessman, independence is not high, therefore just lacks the power that market promotes yet.
In addition, because RFID all directly is arranged on hand-set host plate or the SIM card, after use, as the RFID on desire change or the displacement mobile phone, not only in formality, bother very much, and also learnt user's location or RFID content by the third party with less radio-frequency scanning improperly easily, therefore for using consumer's also very big danger of formation for the security of other occasion and the confidentiality because of this kind structure.
Summary of the invention
Fundamental purpose of the present invention provides a kind of electronic trading system, utilize widely used portable electronic devices to store the electronic certificate that to represent financial institution or businessman, and the individual radio frequency label that to represent user individual of arranging in pairs or groups, to do shopping or the electronic transaction behavior, by this to improve the transaction security and the convenience of electronic transaction behavior.
Secondary objective of the present invention provides a kind of electronic trading system, and its people's radio frequency label system can be held by user individual, and can separate with mobile phone and carry, by this to improve the confidentiality of user in various occasions.
Another purpose of the present invention provides a kind of electronic trading system, its people's radio frequency label and electronic certificate all can independently be issued licence by financial institution, government bodies or businessman, and be not subject to mobile phone manufacturer or telecommunications dealer, meet the canonical schema of existing consumption habit and consumption decree fully, can improve the popularization that use in market by this.
Another purpose of the present invention provides a kind of electronic trading system, makes things convenient for the needs of user in response to various different occasions by telecommunication installation fast and easily to receive different electronic certificates at any time, to finish extensive stock trading activity or commodity exchange action.
Another purpose of the present invention provides a kind of electronic trade method, utilize widely used portable electronic devices to store the electronic certificate that to represent financial institution or businessman, and the individual radio frequency label that to represent user individual of arranging in pairs or groups, to do shopping or the electronic transaction behavior, not only can improve transaction security, convenience and the confidentiality of electronic transaction behavior by this, can help marketing again.
According to a first aspect of the invention, a kind of electronic trading system that improves transaction security is provided, comprise: at least one issuing unit, can select to produce at least one electronic certificate and at least one individual radio frequency label according at least one user's needs, and the user can hold individual radio frequency label; One portable electronic devices can be in order to store this electronic certificate; An and sales end treating apparatus, be installed with one and can read the radio-frequency (RF) signal reader of this individual's radio frequency label, and can whether carry out subsequent transaction action with decision according to electronic certificate that is read and individual radio frequency label in order to the electronic certificate reader and that reads this electronic certificate.
According to a second aspect of the invention, provide a kind of electronic trading system that improves transaction security, having comprised: an issuing unit can produce at least one electronic certificate according at least one user's needs; At least one portable electronic devices can receive this electronic certificate by a telecommunication installation; And a sales end treating apparatus, being installed with one can be in order to reading the electronic certificate reader of this electronic certificate, and can whether carry out subsequent transaction action with decision according to the electronic certificate that is read.
According to a third aspect of the invention we, a kind of a kind of electronic trade method that improves transaction security that provides is provided, may further comprise the steps: the user proposes the demand application to an issuing unit, therefore issuing unit selects to produce at least one electronic certificate and at least one individual radio frequency label, and a request for data relevant with electronic certificate and individual radio frequency label data will be stored in a credit management unit; The user holds this individual's radio frequency label, and by a portable electronic devices to store this electronic certificate; When desiring to carry out a purchase transaction behavior, a sales end treating apparatus will can read this electronic certificate and this individual's radio frequency label; And online this credit management unit, and transmit this electronic certificate and this individual's radio frequency label data to credit management unit, whether credit management unit then carries out subsequent transaction action according to this electronic certificate, individual radio frequency label and request for data with decision.
The present invention is described in detail below in conjunction with accompanying drawing.
Embodiment
At first see also the organigram and the schematic flow sheet of electronic trading system of the present invention one preferred embodiment shown in Fig. 2 and Fig. 3 difference; As shown in the figure, electronic trading system of the present invention mainly comprises at least one issuing unit 23, at least one portable electronic devices 21, at least one sales end treating apparatus 25 and a credit management unit 29.Wherein, issuing unit 23, bank for example, financial institution, government bodies, public organization's tissue or businessman, it can be accepted at least one user's 22 application and select to make or produce at least one electronic certificate 231, at least one individual radio frequency label (RFID) 235, or electronic certificate 231 and individual radio frequency label 235 be one group knockdown one of them, the request for data 295 relevant with electronic certificate 231 and individual radio frequency label 235 then can be directly or by the transmission of a telecommunication installation 27, and be sent in this credit management unit 29 stored, as step 301 and step 312.
Wherein, this electronic certificate 231 can be in order to represent this issuing unit 23, or represent purchase the commodity sold or the shopping voucher of service, can include at least in it issuing unit's data or with the on line data of this credit management unit 29, and can be directly or by this telecommunication installation 27, gsm system for example, cdma system, the DAMPS system, the FLEX system, cdpd system, the PDC system, the CT2 system, the DECT system, the PACS system, the PHS system, the transmission of gprs system or physical network, and electronic certificate 231 is delivered to storage in this portable electronic devices 21, and can in the display screen 211 of this portable electronic devices 21, show, therefore, this electronic certificate 231 can be a bar code (Barcode), one multimedia news in brief (MMS), short message (SMS), get online without being tethered to a cable and capture message (WAP Pull/Push), the kenel of symbol or numeral presents.This 235 of individual's radio frequency label can be represented user individual, can include at least in it user's personal data or or with the on line data of this credit management unit 29.
When the user desires to carry out a purchase transaction behavior, can select to hold the individual radio frequency label 235 that is sent with an issuing unit 23 wherein, and arrange in pairs or groups corresponding and be stored in electronic certificate 231 in the portable electronic devices 21, as step 303.
When the user has finished choosing of commodity, and desire to check out and when swiping the card behavior, one sales end (shop) will be by a sales end treating apparatus 25 to finish the electronic transaction action, as commonly using trade mode, sales end also can be imported Transaction Informations such as dealing money, trade name or quantity in sales end treating apparatus 25, as step 305.
And the sales end treating apparatus 25 of sales end comprises a display 251, an electronic certificate reader 257 and a radio-frequency (RF) signal reader 257.Wherein, this electronic certificate reader 257 can be via an infra-red signal or optical signal 241 to read the electronic certificate 231 in the portable electronic devices 21, this radio-frequency (RF) signal reader 257 then by a radio-frequency (RF) signal 245 to read the individual radio frequency label 235 that the user is held, as step 307.
The electronic certificate 231 of the input of reading can directly be shown in the display 251 of sales end treating apparatus 25, is the electronic certificate 231 that for example can point out the user to hold sent by which bank to provide sales end one easy judgement and prompting? whether its date of expiration correct? or is not there other need point out item?
Sales end treating apparatus 25 is after the data that read on electronic certificate 231 and the individual radio frequency label 235, can it judge voluntarily that the electronic certificate 231 that is read meets mutually with individual radio frequency label 235? if do not meet, then can stop follow-up trading activity.Certainly, sales end treating apparatus 25 also can be after reading electronic certificate 231 or individual radio frequency label 235, can according to the data that read by a telecommunication installation 27 online this credit management unit 29,29 of credit management units can be according to electronic certificate 23 1 that is received and individual radio frequency label 235, come to compare mutually with the request for data 295 that is stored in it, whether correct to judge electronic certificate 231 and the individual radio frequency label 235 held? as step 309.
If in comparison process, find that the electronic certificate 231 and the individual radio frequency label 235 that are read can coincide mutually, and electronic certificate 231 and individual radio frequency label 235 do not have the notified situation of stopping using or abolishing again, then representing this is legal use, should proceed subsequent transaction action, for example import dealing money, input sales end numbering 252, provide commodity, provide the transaction voucher or Cancel Transaction etc., as step 310.
Certainly, if in the comparison process, find that the electronic certificate 231 and the individual radio frequency label 235 that are read do not coincide mutually, or notified stopping using or abolishment wherein of electronic certificate 231 and individual radio frequency label 235, then just stop the subsequent transaction action immediately, as step 320.
Because the present invention is to authorize electronic certificate 231 and individual radio frequency label 235 by issuing unit 23, it is identical with existing credit card unit of authorizing and step, and can not be subject to necessary matching with mobile phone manufacturer or telecommunications dealer, and therefore, in not having problem in the marketing or on the acceptance.Because individual radio frequency label 235 of the present invention can separate with portable electronic devices 21, when the user is not scheduled to purchase and consumption, do not need to be with at any time at one's side or be fixed on the portable electronic devices 21, learn the user position so can take precautions against the third party with wrongful scan mode, and by this to safeguard user's use confidentiality.
In addition, please consult the organigram and the transaction flow synoptic diagram of the further embodiment of this invention shown in Fig. 4 and Fig. 5 difference simultaneously; As shown in the figure, in this embodiment, when user's the purchase transaction amount of money is bigger than a predetermined value, or the reasons such as security needs of issuing unit 23, electronic transaction pattern of the present invention can also increase several subsequent transaction actions except step 301~step 309 identical with previous embodiment.
For example, credit management unit 29 or sales end treating apparatus 25 can be in response to reasons such as consumption amount of money size or transaction securities, and but the redirect request user provides other security mechanism (the 3rd road security mechanism), for example require the user to push symbol keys 417 on sales end treating apparatus 25 or the portable electronic devices 21, to learn a significant character that can form out by numeral, literal or symbol combination, as step 531.
Whether this significant character can be sent in the credit management unit 29 via telecommunication installation 27, and compares with the request for data 295 that has been stored in the credit management unit in advance, correct to judge the significant character of being imported? as step 532.If correct, then can proceed step 533.If incorrect, then carry out step 320, to cancel this trade and shopping behavior.
Credit management unit 29 or sales end treating apparatus 25 also can be in response to reasons such as consumption amount of money size or transaction securities, continue to require the user that another road security mechanism is provided, for example, it can be by the biological characteristic acquisition device on sales end treating apparatus 25 or the portable electronic devices 21, for example video capture device (photographic lens) 413 or sound acquisition device (microphone) 415, can represent 22 people's of user biological characteristic signal 225 with acquisition, for example user 22 fingerprint, pupil, blood vessel or sound etc. are as step 535.
And in another embodiment, symbol, numeral, literal or the significant character that user 22 is imported also can be considered to be one of them of this biological characteristic signal 225.
The biological characteristic signal 225 that sales end treating apparatus 25 or portable electronic devices 21 are captured can be transferred in the credit management unit 295, and compare with the request for data 295 that has been stored in the credit management unit in advance, whether correct to judge the biological characteristic signal of being imported 225? as step 537.If correct, then can proceed step 539.If incorrect, then carry out step 320, to cancel this trade and shopping behavior.
Utilize sales end treating apparatus 25 or portable electronic devices 21 simple and easy and carry out several security mechanisms easily after, if it is all correct, electronic certificate 253 and the individual radio frequency label 235 of then representing user 22 to be held are correct, therefore, also can be as the credit card trade pattern, sales end treating apparatus 25 also can obtain an authorization code, and export one the payment sign a bill 459 or one the transaction voucher, and can require user's 22 signatures, and the operation that helps checking account, as step 539.
Subsequent transaction action described in the previous embodiment can include one of them step of the step 305 shown in the present embodiment, step 310, step 320 or step 531~step 539.
In addition, because electronic certificate 231 of the present invention can be used to represent issuing unit 23, and may store a plurality of electronic certificates 231 in each user 22 or each portable electronic devices 21, is and a plurality of electronic certificates 231 are difficult to be judged out it sometimes in the shortest time to represent which issuing unit 23? should arrange in pairs or groups mutually with which individual radio frequency label 235 again? therefore, the display screen 211 of portable electronic devices 21 of the present invention also can include a color image 411, each color image 411 all can include a different electronic certificate 231, by this can judge the electronic certificate 231 of required employing easily.
Though individual radio frequency label of the present invention (RFID) 235 can be sent by issuing unit 23 separately, and also can separate with portable electronic devices 21 at any time, by this to help popularization on the market, safety in utilization, convenience and confidentiality.But, for carrying convenience, its people's radio frequency label 235 also can be selected to set firmly or be positioned in the portable electronic devices 21, for example fit on the battery cover 419 inside and outside housings of this portable electronic devices 21 or hang on portable electronic devices 21 becoming a pendant, hope can prevent not take individual radio frequency label 235 to and the awkward situation that can't consume by this.
And in different embodiments of the invention, its people's radio frequency label 235 also can directly be fixed in motherboard or the middle (not shown) of subscriber identification module (SIM card) in the portable electronic devices 21, structure will have the risk of forfeiture user confidentiality even so, but, can reach the purpose of above-mentioned commodity transaction equally by the double authentication pattern of individual radio frequency label 235 and electronic certificate 231.And individual radio frequency label 235 also can entrust the mobile phone dealer to produce by general businessman, or after being produced voluntarily by businessmans such as mobile phone dealers, is bought by other businessman and use, and can reach the purpose of above-mentioned commodity transaction equally.
In further embodiment of this invention, if electronic certificate 231 and individual radio frequency label 235 are sent separately by a businessman, it does not have can be across the commercial podium of different merchant transaction the time yet, described issuing unit 23 of previous embodiment or credit management unit 29 also can directly be this sales end treating apparatus 25, and above-mentioned all security mechanism comparison work all can be finished in sales end treating apparatus 25.
At last, see also the organigram of further embodiment of this invention shown in Figure 6; As shown in the figure, in this embodiment, issuing unit 23 can select only to produce electronic certificate 231 or only produce individual radio frequency label 235 or electronic certificate 231 and individual radio frequency label 235 boths generations according to needs, and electronic certificate 231 also can be represented as shopping voucher, ticket, air ticket, a ticket, drill a meeting-place ticket, preferential price volume, issuing unit, exchange voucher or be an Object of Transaction etc., can select to be stored in the portable electronic devices 21 of buying the user.Buying the user can notify issuing unit's 23 cancellations in response to actual needs or change this electronic certificate 231, for example the ticket volume of a meeting play is drilled in conversion, issuing unit 23 then selects to cancel or change this electronic certificate 231 after the demand of determining the user, and the electronic certificate 231 after the change can be transferred in the portable electronic devices 21 again by telecommunication installation 27.
The user also can require issuing unit 23 that electronic certificate 231 is directly sent in the another one portable electronic devices 61, with become this portable electronic devices 61 owners can exchange for the electronic certificate 631 of the commodity of being bought or service.Among a kind of therein embodiment, portable electronic devices 61 owners can directly can exchange commodity or service for according to this electronic certificate 63 1.And in another kind of embodiment, portable electronic devices 61 owners are except having this electronic certificate 631, also must have the individual radio frequency label 235 that belongs to its people simultaneously, and in the double authentication mode, can exchange commodity or service for, and the basic document in its people's radio frequency label 235 is to inform issuing unit 23 in the lump by previous user when notice is changed this electronic certificate 231.
Issuing unit 23 also can extensively generate electricity sub-voucher 231,631 to several portable electronic devices 21,61, and have the member or the user of corresponding individual radio frequency label 235, all can be by electronic certificate 231,631 that is received and individual radio frequency label 235, or direct electronic certificate 231,63 to be received, exchange commodity or service for, number notify the member to get commodity required advice note resource and activity duration to save general company's row by this.
Certainly, above-mentioned portable electronic devices 21,61 can be made a general reference electronic installations such as a mobile phone, laptop computer, personal digital aid (PDA), stock message transmitting machine, global positioning satellite device, audio and video player or recording pen.
The above only is a preferred embodiment of the present invention; be not to be used for limiting scope of the invention process; therefore all equalizations of doing according to the described shape of claim of the present invention, structure, feature and spirit change and modify, and all should be included within protection scope of the present invention.