CN101303755A - Electronic mobile apparatus and electronic transaction method - Google Patents

Electronic mobile apparatus and electronic transaction method Download PDF

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Publication number
CN101303755A
CN101303755A CNA2007101034486A CN200710103448A CN101303755A CN 101303755 A CN101303755 A CN 101303755A CN A2007101034486 A CNA2007101034486 A CN A2007101034486A CN 200710103448 A CN200710103448 A CN 200710103448A CN 101303755 A CN101303755 A CN 101303755A
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credit
module
electronic
authenticating
authenticating transactions
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李荣键
张哲宜
白娟娟
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Egis Technology Inc
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JINGDA INTERNATIONAL TECHNOLOGY CORP
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Abstract

The invention discloses an electronic mobile device wirelessly connected to a Point of Sale information management system so as to carry out an electronic transaction, and an electronic transaction method thereof. The electronic mobile device stores at least a registered fingerprint characteristic, at least an encrypted authentication transaction password, at least one code for encrypted electronic credit card and basic information about at least one electronic credit card. The electronic mobile device matches the fingerprint characteristic retrieved from the user with the registered fingerprint characteristic; if the result shows that the fingerprint characteristic retrieved from the user corresponds to the registered fingerprint characteristic, then the electronic mobile device can use one of the encrypted authentication transaction passwords and one of the codes for encrypted electronic credit card and choose the corresponding basic information about the electronic credit card to carry out the electronic transaction.

Description

Electronic mobile apparatus and electronic trade method
Technical field
The present invention about a kind of can with a point of sale (Point of Sale) information management system, the mobile device and the electronic trade method thereof that carry out an electronic transaction; In more detail, be about a kind of mobile device and the electronic trade method thereof of fingerprint that utilize to start an electronic transaction.
Background technology
Along with the fast development of science and technology, electronic mobile apparatus, for example mobile phone, indispensable article in modern's life have been become, its interpersonal distance that not only furthered also provides more functions easily, for example camera function of the music playing function of MP3 walkman and camera or the like.The same in addition indispensable article of modern are credits card, because the appearance of credit card just need not be carried a large amount of cashes when people go out, have so not only lowered the stolen risk of cash, have also increased the convenience on the economic behaviour.
Main now credit card trade flow process is: credit card was brushed credit-card reader earlier, carry out transaction by point of sale (Point of Sale) information management system afterwards, and also needed the cardholder to sign at last, and so just calculated and finish whole transaction flow.Credit card trade flow process now exists several shortcomings.At first, for the busy modern life, the overlong time that aforesaid flow process causes the user to wait for, simultaneously, in the process of waiting for, credit card might have been hidden the possibility of stolen brush not in user's sight line.On the other hand, present most of users have not only credit card, have so more increased and have lost and stolen risk.
In recent years, along with the computer security problem is more and more paid attention to, give up password, return with the characteristics of human body and become one New Wave as " the biological identification technology " of identification main body.The biological identification technology is a utilization human body unique biological feature, as fingerprint, iris and vocal print etc., with the identification identity.Yet,, directly it replacement is had its difficulty because existing credit card trade still adopts the framework of signature.
In sum, in the transaction flow of existing credit card, still have and finish exchange hour long and credit card loss and stolen risk.Therefore how in conjunction with mobile phone and credit card, the article that this different modern is indispensable on one's body, so that the spent time of the transaction flow of whole credit card shortens, and reduce credit card and lose and stolen risk, and then produce a kind of new credit card trade mechanism, be the industry target that efforts still need to be solves.
Summary of the invention
A purpose of the present invention provides a kind of electronic mobile apparatus, is wirelessly connected to a point of sale (Point ofSale) information management system, to carry out an electronic transaction.This electronic mobile apparatus comprises an acquisition module, a memory module, a processing module and an authenticating transactions module.This acquisition module is in order to capture a fingerprint of a user.This memory module is in order to store at least one registered fingerprint feature, at least one encrypting and authenticating trading password and at least one encrypted electronic credit card code, and wherein respectively this at least one registered fingerprint feature is that a fingerprint according to a legal user produces in advance.This processing module is in order to handle the fingerprint that this captures, to produce a picking up fingerprint feature; This processing module corresponds to this at least one registered fingerprint feature in order to judge this picking up fingerprint feature, reaching this at least one encrypted electronic credit card code by this at least one encrypting and authenticating trading password; This processing module is in order to decipher this encrypting and authenticating trading password to get a selected authenticating transactions password; And this processing module is in order to decipher this encrypted electronic credit card code to get a selected e-credit code.This authenticating transactions module is in order to store at least one e-credit basic document; This authenticating transactions module captures and is somebody's turn to do selected this corresponding at least one e-credit basic document of e-credit code in order to according to selecting the authenticating transactions password; And this authenticating transactions module is in order to transmit this at least one e-credit basic document to this point of sale information management system.
Another object of the present invention provides a kind of electronic mobile apparatus, is wirelessly connected to a point of sale information management system, to carry out an electronic transaction.This electronic mobile apparatus comprises: an acquisition module, a processing module and an authenticating transactions module.This acquisition module is in order to capture a fingerprint of a user; This processing module is in order to handle this fingerprint to produce a picking up fingerprint feature.This authenticating transactions module is in order to store at least one registered fingerprint feature, and respectively this at least one registered fingerprint feature produces in advance according to a fingerprint of a legal user.This authenticating transactions module is in order to store at least one e-credit basic document; This authenticating transactions module corresponds to this at least one registered fingerprint feature in order to judge this picking up fingerprint feature, and this authenticating transactions module is in order to transmit this at least one e-credit basic document to this point of sale information management system.
Another purpose of the present invention provides a kind of electronic mobile apparatus, is wirelessly connected to a point of sale information management system, to carry out an electronic transaction.This electronic mobile apparatus comprises an acquisition module, a memory module, a processing module and an authenticating transactions module.This acquisition module is in order to capture a fingerprint of a user; This memory module is in order to store at least one registered fingerprint feature, at least one e-credit identity information, at least one encrypting and authenticating trading password and at least one encrypted electronic credit card code, and wherein respectively this at least one registered fingerprint feature is that a fingerprint according to a legal user produces in advance.This processing module to produce a picking up fingerprint feature, corresponds to this at least one registered fingerprint feature to judge this picking up fingerprint feature in order to handle the fingerprint that this captures; This processing module is in order to produce a show message, with this at least one e-credit identity information of indicated number; This processing module is in order to reach this at least one encrypted electronic credit card code according to a selected signal to obtain this at least one encrypting and authenticating trading password, and this selected signal comprises this at least one e-credit identity information; This processing module is in order to decipher this encrypting and authenticating trading password to get a selected authenticating transactions password; And this processing module is in order to decipher this encrypted electronic credit card code to get a selected e-credit code.This authenticating transactions module is in order to store at least one e-credit basic document, to select the authenticating transactions password according to being somebody's turn to do, capture and be somebody's turn to do selected this corresponding at least one e-credit basic document of e-credit code, and be sent to this point of sale information management system.
A further object of the present invention provides a kind of electronic mobile apparatus, is wirelessly connected to a point of sale information management system, to carry out an electronic transaction.This electronic mobile apparatus comprises an acquisition module, a processing module and an authenticating transactions module.This acquisition module is in order to capture a fingerprint of a user; This processing module is in order to handle this fingerprint to produce a picking up fingerprint feature.This authenticating transactions module is in order to store at least one registered fingerprint feature, and respectively this at least one registered fingerprint feature produces in advance according to a fingerprint of a legal user.This authenticating transactions module is in order to store at least one e-credit identity information and at least one e-credit basic document; This authenticating transactions module corresponds to this at least one registered fingerprint feature in order to judge this picking up fingerprint feature.This processing module is also in order to produce a show message, with this at least one e-credit identity information of indicated number, this processing module in order to according to a selected signal obtaining this at least one e-credit basic document, this authenticating transactions module also in order to this at least one e-credit basic document of transmission to this point of sale information management system.
Of the present invention time a purpose provides a kind of electronic trade method, and this method is used for an electronic mobile apparatus.This electronic mobile apparatus is wirelessly connected to a point of sale information management system to carry out an electronic transaction.This electronic mobile apparatus comprises an acquisition module, a memory module, a processing module and an authenticating transactions module.This memory module is stored at least one registered fingerprint feature, at least one encrypting and authenticating trading password and at least one encrypted electronic credit card code, and respectively this at least one registered fingerprint feature produces in advance according to a fingerprint of a legal user.At least one e-credit basic document of this authenticating transactions module stores.This electronic trade method comprises the following step: make this acquisition module capture a fingerprint of a user; Make this processing module handle this fingerprint that captures to produce a picking up fingerprint feature; Make this processing module judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature, so that obtain this at least one encrypting and authenticating trading password and this at least one encrypted electronic credit card code; Make this processing module decipher this encrypting and authenticating trading password to get a selected authenticating transactions password; Make this processing module decipher this encrypted electronic credit card code to get a selected e-credit code; Make this authenticating transactions module according to selecting the authenticating transactions password, capture and be somebody's turn to do selected this corresponding at least one e-credit basic document of e-credit code; And make this authenticating transactions module transmit this e-credit basic document to this point of sale information management system.
Another purpose of the present invention provides a kind of electronic trade method, and this method is used for an electronic mobile apparatus.This electronic mobile apparatus is wirelessly connected to a point of sale information management system to carry out an electronic transaction.This electronic mobile apparatus comprises an acquisition module, a processing module and an authenticating transactions module, at least one registered fingerprint feature of this authenticating transactions module stores and at least one e-credit basic document, respectively this at least one registered fingerprint feature is that a fingerprint according to a legal user produces in advance.This electronic trade method comprises the following step: make this acquisition module capture a fingerprint of a user; Make this processing module handle this fingerprint to produce a picking up fingerprint feature; Make this authenticating transactions module judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature; And make this authenticating transactions module transmit this at least one e-credit basic document to this point of sale information management system.
Another object of the present invention provides a kind of electronic trade method, and this method is used for an electronic mobile apparatus, and this electronic mobile apparatus is wirelessly connected to a point of sale information management system to carry out an electronic transaction.This electronic mobile apparatus comprises an acquisition module, a memory module, a processing module and an authenticating transactions module.This memory module is stored at least one registered fingerprint feature, at least one e-credit identity information, at least one encrypting and authenticating trading password and at least one encrypted electronic credit card code, and respectively this at least one registered fingerprint feature produces in advance according to a fingerprint of a legal user.At least one e-credit basic document of this authenticating transactions module stores.This electronic trade method comprises the following step: make this acquisition module capture a fingerprint of a user; Make this processing module handle this fingerprint that captures to produce a picking up fingerprint feature; Make this processing module judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature; Make this processing module produce a show message, with this at least one e-credit identity information of indicated number; Make this processing module reach this at least one encrypted electronic credit card code according to a selected signal to obtain this at least one encrypting and authenticating trading password, this selected signal is selected this at least one e-credit identity information; Make this processing module decipher this encrypting and authenticating trading password to get a selected authenticating transactions password; Make this processing module decipher this encrypted electronic credit card code to get a selected e-credit code; Make this authenticating transactions module according to selecting the authenticating transactions password, capture and be somebody's turn to do selected this corresponding at least one e-credit basic document of e-credit code; And make this authenticating transactions module transmit this e-credit basic document to this point of sale information management system.
Of the present invention time a purpose provides a kind of electronic trade method, and this method is used for an electronic mobile apparatus, and this electronic mobile apparatus is wirelessly connected to a point of sale information management system to carry out an electronic transaction.This electronic mobile apparatus comprises an acquisition module, a processing module and an authenticating transactions module, at least one registered fingerprint feature of this authenticating transactions module stores, at least one e-credit identity information and at least one e-credit basic document, respectively this at least one registered fingerprint feature is that a fingerprint according to a legal user produces in advance.This electronic trade method comprises the following step: make this acquisition module capture a fingerprint of a user; Make this processing module handle this fingerprint to produce a picking up fingerprint feature; Make this authenticating transactions module judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature; Make this processing module produce a show message, with this at least one e-credit identity information of indicated number; Make this processing module select signal to obtain this at least one e-credit basic document according to one; And make this authenticating transactions module transmit this at least one e-credit basic document to this point of sale information management system.
The present invention can utilize a mobile device to carry out electronic credit card transaction, wherein can store many e-credit (as the credit card of different issuing banks) in this mobile device, and can select corresponding credit card according to the difference (as same user's forefinger and thumb or the like) that the user imports fingerprint and conclude the business, and because the security mechanism of transaction system uses fingerprint, fingerprint is the unique feature of everyone on one's body, be enough to distinguish user's identity, so the action that after transaction, need not bear the signature.The present invention also can judge whether the user is legal user earlier according to the fingerprint of user's input.After user to be judged is legal user, decide the credit card that institute's desire is used in its sole discretion by the user.
In sum, the present invention can effectively solve in the existing credit card trade, and the long and credit card of exchange hour carries inconvenient problem, and reduces credit card and lose and stolen risk.Moreover, because being environment in a safety, the present invention carries out that authentication, e-credit are handled, and electronic transaction action, therefore the trading environment of a safety is provided.
Behind the embodiment of consulting accompanying drawing and describing subsequently, this technical field has knows that usually the knowledgeable just can understand other purposes of the present invention, and technological means of the present invention and enforcement aspect.
Description of drawings
Fig. 1 is the synoptic diagram of first embodiment of the invention;
Fig. 2 is the synoptic diagram of second embodiment of the invention;
Fig. 3 is the synoptic diagram of third embodiment of the invention;
Fig. 4 is the synoptic diagram of fourth embodiment of the invention;
Fig. 5 is the process flow diagram of fifth embodiment of the invention;
Fig. 6 is the process flow diagram of sixth embodiment of the invention;
Fig. 7 is the process flow diagram of seventh embodiment of the invention; And
Fig. 8 is the process flow diagram of eighth embodiment of the invention.
Embodiment
The first embodiment of the present invention is that an electronic mobile apparatus 1, one user's desire is wirelessly connected to a point of sale (Point of Sale) information management system with this electronic mobile apparatus 1, to carry out an electronic transaction as shown in Figure 1.The point of sale information management system is utilized data into electronic data processing such as scanner, bar code, invoice printing machine, guest's display and cashier's machine for making the shop, commodity are done the system of sales such as scanning, cash register.
Electronic mobile apparatus 1 comprises an acquisition module 101, a memory module 103, a processing module 105, an authenticating transactions module 107 and a display module 109.Authenticating transactions module 107 comprises an authentication module 111 and a reception/sending module 113.Memory module 103 has five registered fingerprint features (being left thumb registered fingerprint feature, left forefinger registered fingerprint feature, left middle finger registered fingerprint feature, left nameless registered fingerprint feature and left little finger of toe registered fingerprint feature) of the legal user (being the owner) of this electronic mobile apparatus 1, five encrypting and authenticating trading passwords and five encrypted electronic credit card codes, and the authentication module 111 of authenticating transactions module 107 has five e-credit basic documents.
In first embodiment, will use to judge whether the user of this electronic mobile apparatus 1 is a legal user (being the owner of electronic mobile apparatus 1) by fingerprint comparison.If this user is legal user, electronic mobile apparatus 1 can be operated to carry out electronic transaction.The general normal fingerprint comparison of mentioning promptly is the feature on two pieces of fingerprints of comparison, to determine whether these two pieces of fingerprints are same piece of fingerprint.Therefore the registered fingerprint feature of being mentioned among first embodiment produces in advance according to the legal user's (being the owner) of electronic mobile apparatus 1 fingerprint institute.
At this in detail five registered fingerprint features, five encrypting and authenticating trading passwords, five to be described in detail and encrypt credit card code, five e-credit basic documents and relation to each other thereof.Five e-credit basic documents De Nederlandsche Bank's credit card basic document that the user had for this reason, Chinese trust bank credit card basic document, Yushan bank card basic document, rich nation bank card basic document and The Hongkong and Shanghai Banking Corporation Limited's credit card basic document that authenticating transactions module 107 is stored.Each e-credit basic document has comprised credit card number, user's (being the possessor) name, effective life etc.
Five e-credit codes are respectively A, C, E, F and H, wherein A corresponds to De Nederlandsche Bank's credit card basic document, and C corresponds to that Chinese trust bank credit card basic document, E correspond to Yushan bank card basic document, F corresponds to rich nation bank card basic document and H corresponds to The Hongkong and Shanghai Banking Corporation Limited's credit card basic document.Five encrypted electronic credit card codes are for encrypting the result of A, C, E, F and H gained, and with e (A), e (C), e (E), e (F) and e (H) expression, wherein e () expression is encrypted respectively.Because five e-credit codes correspond to five e-credit basic documents respectively, five encrypted electronic credit card codes after the encryption also correspond to five e-credit basic documents respectively.
Five authenticating transactions passwords are AAA, CCC, EEE, FFF and HHH, wherein AAA corresponds to De Nederlandsche Bank's credit card basic document, and CCC corresponds to that Chinese trust bank credit card basic document, EEE correspond to Yushan bank card basic document, FFF corresponds to rich nation bank card basic document and HHH corresponds to The Hongkong and Shanghai Banking Corporation Limited's credit card basic document.Five encrypting and authenticating trading passwords are the result who encrypts AAA, CCC, EEE, FFF and HHH gained, respectively with e (AAA), e (CCC), e (EEE), e (FFF) and e (HHH) expression.Because five authenticating transactions passwords correspond to five e-credit basic documents respectively, five encrypting and authenticating trading passwords after the encryption also correspond to five e-credit basic documents respectively.
Five registered fingerprint features correspond to respectively five encrypted electronic credit card codes one of them and five encrypting and authenticating trading passwords one of them.Particularly, left thumb registered fingerprint feature corresponds to e (A) and e (AAA), left forefinger registered fingerprint feature and corresponds to that e (C) and e (CCC), left middle finger registered fingerprint feature correspond to e (E) and e (EEE), left nameless registered fingerprint feature corresponds to e (F) and e (FFF) and left little finger of toe registered fingerprint feature and corresponds to e (H) and e (HHH).Table one converges puts in order above-mentioned corresponding relation, so that read.
Table one
The registered fingerprint feature The e-credit basic document Encrypted electronic credit card code The encrypting and authenticating trading password
Left side thumb registered fingerprint feature De Nederlandsche Bank's credit card basic document e(A) e(AAA)
Left side forefinger registered fingerprint feature China trust bank credit card basic document e(C) e(CCC)
Left side middle finger registered fingerprint feature Yushan bank card basic document e(E) e(EEE)
The nameless registered fingerprint feature in a left side Rich nation bank card basic document e(F) e(FFF)
Left side little finger of toe registered fingerprint feature The Hongkong and Shanghai Banking Corporation Limited's credit card basic document e(H) e(HHH)
After describing five registered fingerprint features, five encrypting and authenticating trading passwords, five and encrypting credit card code, five e-credit basic documents and relation to each other thereof, illustrate then how the user utilizes this electronic mobile apparatus 1 to carry out electronic transaction with the point of sale information management system.
At first, acquisition module 101 acquisition users' fingerprint, wherein acquisition module 101 can be the device of any fechtable fingerprint, as fingerprint sensor.At the left forefinger fingerprint of this hypothesis fingerprint that acquisition module 101 captured for the user.Behind acquisition module 101 acquisition users' left forefinger fingerprint, processing module 105 is handled user's left forefinger fingerprint to produce the left forefinger fingerprint characteristic of an acquisition.Then, processing module 105 judge this capture left forefinger fingerprint characteristic whether correspond to those registered fingerprint features one of them.Among first embodiment, processing module 105 judges that this captures left forefinger fingerprint characteristic and corresponds to left forefinger registered fingerprint feature, in other words, processing module 105 is in those registered fingerprint features, select correspondence so far to capture left forefinger fingerprint characteristic person (that is left forefinger registered fingerprint feature) to select the registered fingerprint feature as one.At this moment, judged result can be shown by display module 109.In other embodiment, the judged result of processing module 105 may can't correspond to the registered fingerprint feature for the fingerprint characteristic that is captured, and then display module 109 can ask the user to re-enter fingerprint.Produce the picking up fingerprint feature herein and judge whether the picking up fingerprint feature corresponds to the registered fingerprint feature and can be reached by prior art, particulars please refer to Davide Maltoni, Dario Maio, Anil K.Jain, Salil Prabhakar, " Handbook ofFingerprint Recognition ", Springer-2003.
Determine selected registered fingerprint feature (promptly in processing module 105, left side forefinger registered fingerprint feature) after, processing module 105 in aforesaid encrypting and authenticating trading password (promptly, e (AAA), e (CCC), e (EEE), e (FFF) and e (HHH)), selection corresponds to this selected registered fingerprint characteristic person, i.e. e (CCC); In those encrypted electronic credit card codes (that is, e (A), e (C), e (E), e (F) and e (H)) again selects to correspond to this selected registered fingerprint characteristic person, i.e. e (C).Next processing module 105 is deciphered encrypting and authenticating trading password e (CCC) and encrypted electronic credit card code e (C) respectively, to obtain a selected authenticating transactions password CCC and a selected e-credit code C respectively.The method of enabling decryption of encrypted authenticating transactions password described herein and enabling decryption of encrypted e-credit code can be the prior art corresponding to aforementioned encryption method, does not add at this and gives unnecessary details.
After processing module 105 obtains selected authenticating transactions password CCC and selected e-credit code C, the authentication module 111 of authenticating transactions module 107 captures and selectes the corresponding e-credit basic document of e-credit code C according to selected authenticating transactions password CCC, i.e. user's Chinese trust bank credit card basic document (promptly selected electronic credit card information).Then, the reception/sending module 113 of authenticating transactions module 107 transmit Chinese trust bank credit card basic document (promptly selected electronic credit card information) and electronic transaction content (comprising transaction article code name, dealing money etc.) to the point of sale information management system to finish electronic transaction.At last, display module 109 shows the result of electronic transaction.Wherein, authentication module 111 can be a safe storage body (Secure Memory), a smart card, a Java card or a SmartMX (SMX) card, but not as limit.Because authentication module 111 is the environment of a safety, it is safer therefore to handle the e-credit basic document in authentication module 111.Place, 113 of reception/sending modules can be a close range wireless communication module (Near Field CommunicationModule), but not as limit.
By the configuration of first embodiment, legal user can set up the registered fingerprint feature of own fingerprint in advance in electronic mobile apparatus 1, and store electrons credit card basic document, again registered fingerprint feature and e-credit basic document is set up connection relationship.Afterwards, when this legal user's desire utilizes e-credit basic document in this electronic mobile apparatus 1 to carry out electronic transaction, only need restrain the finger of previous registered fingerprint, the work that this electronic mobile apparatus 1 can be compared and be verified selects corresponding e-credit basic document to carry out electronic transaction again.Because the authenticating transactions module of first embodiment is a safe storage body, therefore can provide user's safety and trading environment easily.
The second embodiment of the present invention as shown in Figure 2, it is that an electronic mobile apparatus 2, one user's desires are wirelessly connected to a point of sale information management system with this electronic mobile apparatus 2, to carry out an electronic transaction.Electronic mobile apparatus 2 comprises an acquisition module 201, a processing module 203, an authenticating transactions module 205 and a display module 207.Authenticating transactions module 205 comprises an authentication module 209 and a reception/sending module 211, and wherein, authentication module 209 can be a safe storage body, a smart card, a Java card or a SMX card, but not as limit.211 of reception/sending modules can be a close range wireless communication module, but not as limit.
Authentication module 209 five registered fingerprint features of storage and five e-credit basic documents.Five registered fingerprint features of second embodiment, five e-credit basic documents, and corresponding relation therebetween identical with first embodiment.These five registered fingerprint characteristic roots fingerprint of a legal user of electronic mobile apparatus in view of the above produce in advance.
In a second embodiment, will confirm that using the user of electronic mobile apparatus 2 is a legal user by fingerprint comparison.At first, acquisition module 201 acquisition users' fingerprint, for example left hand thumbprint, next processing module 203 processing users' left hand thumbprint generation one acquisition left hand thumbprint feature.The authentication module 209 of authenticating transactions module 205 judges then whether this acquisition left hand thumbprint feature corresponds to one of five registered fingerprint features, and judged result is shown by display module 207.If any the registered fingerprint feature of correspondence, then obtain corresponding e-credit basic document; Otherwise, as do not have corresponding registered fingerprint feature, then display module 207 demonstrations ask the user to re-enter the message of fingerprint.The authenticating transactions module 205 of second embodiment judges that this acquisition left hand thumbprint feature corresponds to left thumb registered fingerprint feature, so obtain De Nederlandsche Bank's e-credit basic document.Afterwards, the reception/sending module 211 of authenticating transactions module 205 content that transmits De Nederlandsche Bank's e-credit basic documents (promptly selected electronic credit card information) and transaction to the point of sale information management system to finish electronic transaction.Last display module 207 will show the result of electronic transaction.
First embodiment and the second embodiment main difference are at least one registered fingerprint characteristic storage of the first embodiment memory module 103 being stored in, second embodiment in authenticating transactions module 205, and meaning promptly is stored in one in the environment of safety.Therefore, second embodiment need just can not take out the e-credit basic document by encrypting and authenticating trading password and encrypted electronic credit card code, just can finish electronic transaction in safe mode.
The third embodiment of the present invention is that an electronic mobile apparatus 3, one user's desires are wirelessly connected to a point of sale information management system with this electronic mobile apparatus 3, to carry out an electronic transaction.Electronic mobile apparatus 3 comprises an acquisition module 101, a memory module 303, a processing module 305, an authenticating transactions module 107 and a display module 309.Authenticating transactions module 107 comprises an authentication module 111 and a reception/sending module 113.The main difference of the electronic mobile apparatus 3 of the 3rd embodiment and the electronic mobile apparatus 1 of first embodiment is memory module 303, processing module 305 and display module 309, so the 3rd embodiment will only describe the part of difference in detail.
For example, memory module 303 has also been stored five e-credit identity informations except five registered fingerprint features of the legal user that stores this electronic mobile apparatus 3, five encrypting and authenticating trading passwords and five encrypted electronic credit card codes.Five e-credit identity informations that increase newly then are: (1) De Nederlandsche Bank, (2) Chinese trust, (3) Yushan bank, (4) Fu Bang bank and (5) The Hongkong and Shanghai Banking Corporation Limited (HSBC).Five e-credit basic documents of 111 storages of the authentication module of authenticating transactions module 107.Table two is listed five e-credit identity informations increasing newly, five encrypting and authenticating trading passwords, five encrypted electronic credit card codes, five e-credit basic documents and corresponding relation therebetween.
Table two
The e-credit identity information The e-credit basic document Encrypted electronic credit card code The encrypting and authenticating trading password
(1) De Nederlandsche Bank De Nederlandsche Bank's credit card basic document e(A) e(AAA)
(2) Chinese trust China trust bank credit card basic document e(C) e(CCC)
(3) Yushan bank Yushan bank card basic document e(E) e(EEE)
(4) Fu Bang bank Rich nation bank card basic document e(F) e(FFF)
(5) The Hongkong and Shanghai Banking Corporation Limited (HSBC) The Hongkong and Shanghai Banking Corporation Limited's credit card basic document e(H) e(HHH)
Wanting ben be, does not have corresponding relation between five registered fingerprint features and five e-credit identity informations, five encrypting and authenticating trading passwords, five encrypted electronic credit card codes and five electronic credit card informations.
Among the 3rd embodiment, behind acquisition module 101 acquisition users' the fingerprint, processing module 305 is handled user's fingerprint to produce a picking up fingerprint feature.Then, processing module 305 judge this picking up fingerprint feature whether correspond to those registered fingerprint features one of them.The result who judges in this hypothesis is for being, then processing module 305 then produces a show message, show aforesaid five e-credit identity informations (1) De Nederlandsche Bank, (2) Chinese trust, (3) Yushan bank, (4) Fu Bang bank and (5) The Hongkong and Shanghai Banking Corporation Limited (HSBC) with directs display module 309, select for the user.The user then selects one from these five e-credit identity informations, to produce a selected signal.Suppose that the user selects (3) Yushan bank, processing module 305 is followed according to this selected signal to obtain corresponding encrypting and authenticating trading password e (EEE) and corresponding encrypted electronic credit card code e (E).
The follow-up action of the 3rd embodiment is identical with first embodiment.In brief, next processing module 305 is deciphered encrypting and authenticating trading password e (EEE) and encrypted electronic credit card code e (E) respectively, to obtain a selected authenticating transactions password EEE and a selected e-credit code E respectively.The method of enabling decryption of encrypted authenticating transactions password described herein and enabling decryption of encrypted e-credit code can be the prior art corresponding to aforementioned encryption method, does not add at this and gives unnecessary details.Authentication module 111 captures and selectes the corresponding e-credit basic document of e-credit code E (promptly selected electronic credit card information), just user's Yushan bank card basic document according to selected authenticating transactions password EEE again.Then, reception/sending module 113 transmit Yushan bank electronic credit card basic documents and transaction content (comprising dealing money etc.) to the point of sale information management system to finish electronic transaction.At last, display module 309 shows the result of electronic transaction.
By the configuration of the 3rd embodiment, legal user can set up the registered fingerprint feature of own fingerprint in advance in electronic mobile apparatus 3, and store electrons credit card basic document.Be that with the first embodiment difference the 3rd embodiment does not need registered fingerprint feature and each e-credit basic document are set up connection relationship.Registered fingerprint feature in the electronic mobile apparatus 3 only is used for doing the usefulness of identity identification.After person to be used imported fingerprint, the user selected the e-credit of institute's desire use again by the e-credit identity information.By the 3rd embodiment, the invention provides and have more flexible electronic transaction environment.
The fourth embodiment of the present invention is that an electronic mobile apparatus 4, one user's desires are wirelessly connected to a point of sale information management system with this electronic mobile apparatus 4, to carry out an electronic transaction.Electronic mobile apparatus 4 comprises an acquisition module 201, a processing module 403, an authenticating transactions module 401 and a display module 405.Authenticating transactions module 401 comprises an authentication module 407 and a reception/sending module 409.The main difference of the electronic mobile apparatus 4 of the 4th embodiment and the electronic mobile apparatus 2 of second embodiment is authenticating transactions module 401, processing module 403 and display module 405, so the 4th embodiment will only describe difference in detail partly.
The authentication module 405 of authenticating transactions module 401 has more been stored five e-credit identity informations except five registered fingerprint features of the legal user of store electrons mobile device 4 and five e-credit basic documents.These e-credit identity informations are identical with the 3rd embodiment with the corresponding relation of e-credit basic document, do not add at this and give unnecessary details.
Among the 4th embodiment, behind acquisition module 201 acquisition user fingerprints, just transfer to processing module 403 and handle user's fingerprint to produce a picking up fingerprint feature.Next, the authentication module 407 of authenticating transactions module 401 judges then whether this picking up fingerprint feature corresponds to one of five registered fingerprint features, and judged result is shown by display module 405.If any the registered fingerprint feature of correspondence, then obtain corresponding e-credit basic document, processing module 403 also can produce a show message, and directs display module 405 shows that five e-credit identity informations are for user's selection.The user then selects one from these five e-credit identity informations, to produce a selected signal.Processing module 403 obtains corresponding e-credit basic document with as selected electronic credit card information according to selected signal.Next, the reception/sending module 409 of authenticating transactions module 401 transmit selected electronic credit card information and transaction content (comprising dealing money etc.) to the point of sale information management system to finish electronic transaction.At last, display module 405 shows the result of electronic transaction.
The 3rd embodiment and the 4th embodiment main difference are in five registered fingerprint characteristic storage of the 3rd embodiment memory module 303 being stored in, the 4th embodiment in authenticating transactions module 401, and meaning promptly is stored in one in the environment of safety.The 4th embodiment need not pass through encrypting and authenticating trading password and encrypted electronic credit card code, and just the pattern of safety is taken out the e-credit basic document, so the mode of safety is finished electronic transaction.
The fifth embodiment of the present invention is a kind of electronic trade method, is used for the described mobile device 1 as first embodiment, and its process flow diagram such as Fig. 5 describe.At first, step 500 makes acquisition module 101 acquisition one users' fingerprint, and next step 501 makes processing module 103 processing users' fingerprint produce a picking up fingerprint feature.Afterwards, step 502 makes processing module 103 judge the corresponding registered fingerprint feature of picking up fingerprint feature, to obtain encrypting and authenticating trading password and encrypted electronic credit card code.Next step 503 makes display module 109 show judged result, step 504 makes processing module 103 enabling decryption of encrypted authenticating transactions passwords to get a selected authenticating transactions password, and step 505 makes processing module 103 enabling decryption of encrypted e-credit codes to get a selected e-credit code.
Afterwards, step 506 makes authenticating transactions module 107 take out according to selected authenticating transactions password and selectes the corresponding e-credit basic document of e-credit code, step 507 make authenticating transactions module 107 transmit the e-credit basic documents to the point of sale information management system to finish electronic transaction.In more detail, because authenticating transactions module 107 comprises an authentication module 111 and a receptions/sending module 113, so step 506 also can be and makes authentication module 111 take out and select the corresponding e-credit basic document of e-credit code according to selected authenticating transactions password.And step 507 also can be order receptions/sending module 113 transmission e-credit basic documents to the point of sale information management system to finish electronic transaction.At last, step 508 makes display module 109 show the result of electronic transaction.
Except the step that Fig. 5 described, the 5th embodiment also can carry out all operations and the function of first embodiment.Under technical field have know usually the knowledgeable can be directly acquainted with the 5th embodiment how based on above-mentioned first embodiment to carry out these operations and function.So do not give unnecessary details.
The sixth embodiment of the present invention is a kind of electronic trade method, is used for the described mobile device 2 as second embodiment, and its process flow diagram such as Fig. 6 describe.At first, step 600 makes acquisition module 201 acquisition one users' fingerprint, and next step 601 makes processing module 203 processing users' fingerprint produce a picking up fingerprint feature.Afterwards, step 602 make authenticating transactions module 205 judge the picking up fingerprint feature whether correspond to those registered fingerprint features one of them.As the result of step 602 for being then to obtain the e-credit basic document; Result as step 602 is not, then gets back to step 600 and makes acquisition module 201 capture user's fingerprint again.Afterwards, step 603 makes display module 207 show judged result.Next step 604 make authenticating transactions module 205 transmit the e-credit basic documents to the point of sale information management system to finish electronic transaction.
In more detail, because authenticating transactions module 205 comprises an authentication module 209 and a reception/sending module 211, therefore step 602 also can be and makes authentication module 209 judge whether the picking up fingerprint feature meets the registered fingerprint feature, if any meeting, then obtain the e-credit basic document, as do not meet, then get back to step 600 and make acquisition module 201 capture user's fingerprint again.And step 604 also can be order receptions/sending module 211 transmission e-credit basic documents to the point of sale information management system to finish electronic transaction.Final step 605 makes display module 207 show the result of electronic transaction.
Except the step that Fig. 6 described, the 6th embodiment also can carry out all operations and the function of second embodiment.Under technical field have know usually the knowledgeable can be directly acquainted with the 6th embodiment how based on above-mentioned second embodiment to carry out these operations and function.So do not give unnecessary details.
The seventh embodiment of the present invention is a kind of electronic trade method, is used for the described electronic mobile apparatus 3 as the 3rd embodiment, and its process flow diagram such as Fig. 7 describe.At first step 700 makes the fingerprint of acquisition module 101 acquisitions according to the user, and next step 701 makes processing module 305 processing users' fingerprint produce a picking up fingerprint feature.Afterwards, step 702 makes processing module 305 judge whether the picking up fingerprint feature corresponds to the registered fingerprint feature.If the result of step 702 then is back to step 700 for not.If the result of step 702 is for being that then execution in step 703 makes display module 309 demonstration judged results.
Next, step 704 makes processing module 305 produce a show message, and with indicated number e-credit identity information, afterwards, step 705 makes display module 309 show that this show message is for user's selection.Person to be used then can produce a selected signal after those e-credit identity informations select one, this selected signal comprises user's selection result.Afterwards, step 706 makes processing module 305 obtain encrypting and authenticating trading password and encrypted electronic credit card code according to this selected signal.Then, step 707 makes processing module 305 enabling decryption of encrypted authenticating transactions passwords to get a selected authenticating transactions password, and step 708 makes processing module 305 enabling decryption of encrypted e-credit codes to get a selected e-credit code.
Afterwards, step 709 makes authenticating transactions module 107 according to selected authenticating transactions password, capture the e-credit basic document corresponding with selected e-credit code, then, step 710 make authenticating transactions module 107 send the e-credit basic documents to the point of sale information management system to finish electronic transaction.Because authenticating transactions module 107 also comprises an authentication module 111 and a reception/sending module 113, select the step of e-credit basic document performed, and this transfer step is performed by reception/sending module 113 by this authentication module 111 of this authenticating transactions module 107.At last, step 711 makes display module 309 show the result of electronic transaction.
Except the step that Fig. 7 described, the 7th embodiment also can carry out all operations and the function of the 3rd embodiment.Under technical field have know usually the knowledgeable can be directly acquainted with the 7th embodiment how based on above-mentioned the 3rd embodiment to carry out these operations and function.So do not give unnecessary details.
The eighth embodiment of the present invention is a kind of electronic trade method, is used for the described electronic mobile apparatus 4 as the 4th embodiment, and its process flow diagram such as Fig. 8 describe.At first step 800 makes the fingerprint of acquisition module 201 acquisitions according to the user, and next step 801 makes processing module 403 processing users' fingerprint produce a picking up fingerprint feature.Afterwards, step 802 makes authenticating transactions module 401 judge whether the picking up fingerprint feature corresponds to the registered fingerprint feature.If the result of step 802 then is back to step 800 for not.If the result of step 802 is for being that then execution in step 803 makes display module 405 demonstration judged results.
Afterwards, step 804 makes processing module 403 produce a show message, and with indicated number e-credit identity information, next, step 805 makes display module 405 show this show message for user's selection, to produce a selected signal.
Then, step 806 makes processing module 403 obtain the e-credit basic document according to selected signal, next, step 807 make authenticating transactions module 401 send the e-credit basic documents to the point of sale information management system to finish electronic transaction.Because authenticating transactions module 401 also comprises an authentication module 407 and a reception/sending module 409, registered fingerprint feature and e-credit basic document are stored in authentication module 407, determining step and selection step are performed by the authentication module 407 of this authenticating transactions module 401, and transfer step is performed by reception/sending module 409.At last, step 808 makes display module 405 show the result of electronic transaction.
Except the step that Fig. 8 described, the 8th embodiment also can carry out all operations and the function of the 4th embodiment.Under technical field have know usually the knowledgeable can be directly acquainted with the 8th embodiment how based on above-mentioned the 4th embodiment to carry out these operations and function.So do not give unnecessary details.
From the above, the present invention can finish a credit card electronic transaction by mobile phone, and replaces the signature action that has credit card now with identification of fingerprint, with the mechanism of checking as this credit card electronic transaction.Therefore the present invention can effectively solve in the transaction of existing credit card, and the long and credit card of exchange hour carries inconvenient problem, and reduces credit card and lose and stolen risk.
The foregoing description only is used for exemplifying enforcement aspect of the present invention, and explains technical characterictic of the present invention, is not to be used for limiting category of the present invention.Any be familiar with this operator can unlabored change or the arrangement of the isotropism scope that all belongs to the present invention and advocated, interest field of the present invention should be as the criterion with claim.

Claims (28)

1. an electronic mobile apparatus is wirelessly connected to a point of sale information management system, and to carry out an electronic transaction, this mobile device comprises:
One acquisition module is in order to capture a fingerprint of a user;
One memory module, in order to store at least one registered fingerprint feature, at least one encrypting and authenticating trading password and at least one encrypted electronic credit card code, wherein respectively this at least one registered fingerprint feature is that a fingerprint according to a legal user produces in advance;
One processing module, in order to handle the fingerprint that this captures, to produce a picking up fingerprint feature, judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature, so that obtain this at least one encrypting and authenticating trading password and this at least one encrypted electronic credit card code, and it is decrypted, obtaining a selected authenticating transactions password respectively, and a selected e-credit code; And
One authenticating transactions module, in order to store at least one e-credit basic document, with according to selecting the authenticating transactions password, capture and be somebody's turn to do selected this corresponding at least one e-credit basic document of e-credit code, and be sent to this point of sale information management system.
2. electronic mobile apparatus as claimed in claim 1 is characterized in that:
This memory module is stored a plurality of registered fingerprint features, a plurality of encrypting and authenticating trading password and a plurality of encrypted electronic credit card code, respectively this registered fingerprint feature correspond to those encrypting and authenticating trading passwords one of them and those encrypted electronic credit card codes one of them;
The a plurality of e-credit basic documents of this authenticating transactions module stores, respectively this encrypted electronic credit card code corresponds to one of them of those e-credit basic documents,
This processing module is also in order in those registered fingerprint features, selection corresponds to this picking up fingerprint characteristic person to select the registered fingerprint feature as one, in those encrypting and authenticating trading passwords, selection corresponds to this selected registered fingerprint characteristic person and selectes the authenticating transactions password with deciphering as being somebody's turn to do, in those encrypted electronic credit card codes, selection corresponds to this selected registered fingerprint characteristic person and selectes the e-credit code with deciphering as being somebody's turn to do
This authenticating transactions module is also in order to select the authenticating transactions password according to being somebody's turn to do, in those e-credit basic documents, selection corresponds to this selected e-credit code person with as a selected electronic credit card information, so that be sent to this point of sale information management system, to carry out this electronic transaction.
3. electronic mobile apparatus as claimed in claim 2 is characterized in that, this authenticating transactions module comprises:
One authentication module, in order to store those e-credit basic documents, and, select to be somebody's turn to do selected electronic credit card information in order to according to selecting the authenticating transactions password, wherein this authentication module comprises a safe storage body, a smart card, a Java card or a SmartMX card; And
One reception/sending module, in order to transmit should selected credit card information to this point of sale information management system to carry out this electronic transaction, wherein this reception/sending module is a close range wireless communication module.
4. an electronic mobile apparatus is wirelessly connected to a point of sale information management system, and to carry out an electronic transaction, this mobile device comprises:
One acquisition module is in order to capture a fingerprint of a user;
One processing module is in order to handle this fingerprint to produce a picking up fingerprint feature; And
One authenticating transactions module, in order to store at least one registered fingerprint feature, respectively this at least one registered fingerprint feature produces in advance according to a fingerprint of a legal user, in order to store at least one e-credit basic document, judging that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature, and in order to transmit this at least one e-credit basic document to this point of sale information management system.
5. electronic mobile apparatus as claimed in claim 4, it is characterized in that, the a plurality of e-credit basic documents of this authenticating transactions module stores and a plurality of registered fingerprint feature, respectively this registered fingerprint feature correspond to those e-credit basic documents one of them, this authenticating transactions module is also used in those registered fingerprint features, selection corresponds to this picking up fingerprint characteristic person to select the registered fingerprint feature as one, in those e-credit basic documents, selection corresponds to this selected registered fingerprint characteristic person to select the electronic credit card information as one, so that be sent to this point of sale information management system, to carry out this electronic transaction.
6. electronic mobile apparatus as claimed in claim 5 is characterized in that, this authenticating transactions module comprises:
One authentication module, in order to store those registered fingerprint features and those e-credit basic documents, in order to select the to select registered fingerprint feature, and in order to select the selecting electronic credit card information, wherein this authentication module comprises a safe storage body, a smart card, a Java card or a SMX card; And
One reception/sending module should be selected the electronic credit card information to this point of sale information management system in order to transmit, and to carry out this electronic transaction, wherein this reception/sending module is a close range wireless communication module.
7. electronic mobile apparatus as claimed in claim 6 is characterized in that, this authentication module is obtained this picking up fingerprint feature that this processing module produces by this reception/sending module.
8. an electronic mobile apparatus is wirelessly connected to a point of sale information management system, and to carry out an electronic transaction, this mobile device comprises:
One acquisition module is in order to capture a fingerprint of a user;
One memory module, in order to the identity information of storing at least one registered fingerprint feature, at least one e-credit, at least one encrypting and authenticating trading password and at least one encrypted electronic credit card code, wherein respectively this at least one registered fingerprint feature is that a fingerprint according to a legal user produces in advance;
One processing module, in order to handle the fingerprint that this captures, to produce a picking up fingerprint feature, correspond to this at least one registered fingerprint feature to judge this picking up fingerprint feature, to produce a show message, the identity information that shows this at least one e-credit, so that, produce this at least one encrypting and authenticating trading password and this at least one encrypted electronic credit card code, and it be decrypted according to a selected signal, select the authenticating transactions password to obtain one respectively, and a selected e-credit code; And
One authenticating transactions module, suitable to store the basic document of at least one e-credit, this authenticating transactions module captures and is somebody's turn to do selected this corresponding basic document of e-credit code, and be sent to this point of sale information management system according to selecting the authenticating transactions password.
9. electronic mobile apparatus as claimed in claim 8 is characterized in that:
This memory module is suitable with the identity information of storing a plurality of registered fingerprint features, a plurality of e-credit, a plurality of encrypting and authenticating trading password and a plurality of encrypted electronic credit card code, the identity information of this e-credit respectively, correspond to those encrypting and authenticating trading passwords one of them and those encrypted electronic credit card codes one of them;
The basic document of a plurality of e-credit of this authenticating transactions module stores, respectively this encrypted electronic credit card code correspond to those electronic credit card informations one of them;
Wherein, this processing module judge this picking up fingerprint feature correspond to those registered fingerprint features one of them, those shown e-credit identity informations of this show message indication, should selected those e-credit identity informations of selected signal one of them, to select the e-credit identity information as one, this processing module is more used in those encrypting and authenticating trading passwords, selection corresponds to this selected e-credit identity information person, select the authenticating transactions password with deciphering as being somebody's turn to do, in those encrypted electronic credit card codes, selection corresponds to this selected e-credit identity information person, selectes the e-credit code with deciphering as being somebody's turn to do
This authenticating transactions module is more in order to select the authenticating transactions password according to being somebody's turn to do, in those e-credit basic documents, select to correspond to this selected e-credit code person, to select the electronic credit card information as one, so that be sent to this point of sale information management system, to carry out this electronic transaction.
10. electronic mobile apparatus as claimed in claim 9 is characterized in that, this authenticating transactions module comprises:
One authentication module, in order to storing those e-credit basic documents, and in order to according to should selected authenticating transactions password, selecting should selected electronic credit card information, and wherein this authentication module comprises a safe storage body, a smart card, a Java card or a SMX card; And
One reception/sending module, in order to transmit should selected electronic credit card information to this point of sale information management system to carry out this electronic transaction, wherein this reception/sending module is a close range wireless communication module.
11. an electronic mobile apparatus is wirelessly connected to a point of sale information management system, to carry out an electronic transaction, this electronic mobile apparatus comprises:
One acquisition module is in order to capture a fingerprint of a user;
One processing module is in order to handle this fingerprint to produce a picking up fingerprint feature; And
One authenticating transactions module, in order to store at least one registered fingerprint feature, respectively this at least one registered fingerprint feature produces in advance according to a fingerprint of a legal user, in order to identity information and at least one e-credit basic document of storing at least one e-credit, and in order to judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature;
Wherein, this processing module is also in order to produce a show message, show this at least one e-credit identity information, so that according to a selected signal, produce this at least one e-credit basic document, this authenticating transactions module is also in order to transmit this at least one e-credit basic document to this point of sale information management system.
12. electronic mobile apparatus as claimed in claim 11, it is characterized in that, the a plurality of e-credit identity informations of this authenticating transactions module stores, a plurality of e-credit basic documents and a plurality of registered fingerprint feature, respectively this e-credit identity information correspond to those e-credit basic documents one of them, this authenticating transactions module in order to judge this picking up fingerprint feature correspond to those registered fingerprint features one of them, should selected those e-credit identity informations of selected signal one of them with as a selected e-credit identity information, this authenticating transactions module is more used in those e-credit basic documents, selection corresponds to this selected e-credit identity information person to select the electronic credit card information as one, so that be sent to this point of sale information management system, to carry out this electronic transaction.
13. electronic mobile apparatus as claimed in claim 12 is characterized in that, this authenticating transactions module comprises:
One authentication module, in order to store those registered fingerprint features, those e-credit identity informations and those e-credit basic documents, and in order to select the selecting electronic credit card information, wherein this authentication module comprises a safe storage body, a smart card, a Java card or a SMX card; And
One reception/sending module should be selected the electronic credit card information to this point of sale information management system in order to transmit, and to carry out this electronic transaction, wherein this reception/sending module is a close range wireless communication module.
14. electronic mobile apparatus as claimed in claim 13 is characterized in that, this authentication module system obtains this picking up fingerprint feature that this processing module produces by this reception/sending module.
15. electronic trade method, this method is used for an electronic mobile apparatus, this electronic mobile apparatus is wirelessly connected to a point of sale information management system to carry out an electronic transaction, this electronic mobile apparatus comprises an acquisition module, one memory module, one processing module and an authenticating transactions module, this memory module is stored at least one registered fingerprint feature, at least one encrypting and authenticating trading password and at least one encrypted electronic credit card code, respectively this at least one registered fingerprint feature is that a fingerprint according to a legal user produces in advance, at least one electronic credit card information of this authenticating transactions module stores, this electronic trade method comprises the following step:
Make this acquisition module capture a fingerprint of a user;
Make this processing module handle this fingerprint that captures to produce a picking up fingerprint feature;
Make this processing module judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature, so that obtain this at least one encrypting and authenticating trading password and this at least one encrypted electronic credit card code;
Make this processing module decipher this encrypting and authenticating trading password to get a selected authenticating transactions password;
Make this processing module decipher this encrypted electronic credit card code to get a selected e-credit code;
Make this authenticating transactions module according to selecting the authenticating transactions password, capture and be somebody's turn to do selected this corresponding at least one e-credit basic document of e-credit code; And
Make this authenticating transactions module transmit this electronic credit card information to this point of sale information management system.
16. electronic trade method as claimed in claim 15, it is characterized in that, this memory module is stored a plurality of registered fingerprint features, a plurality of encrypting and authenticating trading password and a plurality of encrypted electronic credit card code, respectively this registered fingerprint feature correspond to those encrypting and authenticating trading passwords one of them and those encrypted electronic credit card codes one of them, the a plurality of e-credit basic documents of this authenticating transactions module stores, respectively this encrypted electronic credit card code correspond to those e-credit basic documents one of them, this electronic trade method also comprises the following step:
Make this processing module in those registered fingerprint features, select to correspond to this picking up fingerprint characteristic person to select the registered fingerprint feature as one;
Make this processing module in those encrypting and authenticating trading passwords, select to correspond to this selected registered fingerprint characteristic person and select the authenticating transactions password as being somebody's turn to do with deciphering;
Make this processing module in those e-credit codes, select to correspond to this selected registered fingerprint characteristic person and select the e-credit code as being somebody's turn to do with deciphering; And
Make this authenticating transactions module according to should selected authenticating transactions password, in those e-credit basic documents, select to correspond to this selected electronic credit clip pin person with as a selected electronic credit card information, so that be sent to this point of sale information management system.
17. electronic trade method as claimed in claim 16, it is characterized in that, this authenticating transactions module comprises an authentication module and a reception/sending module, this authentication module comprises a safe storage body, a smart card, a Java card or a SMX card, this reception/sending module is a close range wireless communication module, this step of selecting this selected e-credit basic document is performed by this authentication module of this authenticating transactions module, and this transfer step is performed by this reception/sending module of this authenticating transactions module.
18. electronic trade method, this method is used for an electronic mobile apparatus, this electronic mobile apparatus is wirelessly connected to a point of sale information management system to carry out an electronic transaction, this electronic mobile apparatus comprises an acquisition module, a processing module and an authenticating transactions module, at least one registered fingerprint feature of this authenticating transactions module stores and at least one e-credit basic document, respectively this at least one registered fingerprint feature produces in advance according to a fingerprint of a legal user, and this electronic trade method comprises the following step:
Make this acquisition module capture a fingerprint of a user;
Make this processing module handle this fingerprint to produce a picking up fingerprint feature;
Make this authenticating transactions module judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature; And
Make this authenticating transactions module transmit this at least one e-credit basic document to this point of sale information management system.
19. electronic trade method as claimed in claim 18, it is characterized in that, the a plurality of e-credit basic documents of authenticating transactions module stores and a plurality of registered fingerprint feature, respectively this registered fingerprint feature correspond to those e-credit basic documents one of them, this electronic trade method also comprises the following step:
Make this authenticating transactions module in those registered fingerprint features, select to correspond to this picking up fingerprint characteristic person to select the registered fingerprint feature as one;
Make this authenticating transactions module in those e-credit basic documents, select to correspond to this selected registered fingerprint characteristic person, should select the electronic credit card information to this point of sale information management system so that transmit with as a selected electronic credit card information.
20. electronic trade method as claimed in claim 19, it is characterized in that, this authenticating transactions module comprises an authentication module and a reception/sending module, this authentication module comprises a safe storage body, one smart card, one Java card or a SMX card, this reception/sending module is a close range wireless communication module, those registered fingerprint features and those e-credit basic documents are stored in this authentication module of this authenticating transactions module, this determining step and this selection step are performed by this authentication module of this authenticating transactions module, and this transfer step is performed by this reception/sending module of this authenticating transactions module.
21. electronic trade method as claimed in claim 20 is characterized in that, obtains this picking up fingerprint feature that this processing module produces by the determining step that this authentication module is carried out by this reception/sending module.
22. electronic trade method, this method is used for an electronic mobile apparatus, this electronic mobile apparatus is wirelessly connected to a point of sale information management system to carry out an electronic transaction, this electronic mobile apparatus comprises an acquisition module, one memory module, one processing module and an authenticating transactions module, this memory module is stored at least one registered fingerprint feature, at least one e-credit identity information, at least one encrypting and authenticating trading password and at least one encrypted electronic credit card code, respectively this at least one registered fingerprint feature is that a fingerprint according to a legal user produces in advance, at least one e-credit basic document of this authenticating transactions module stores, this electronic trade method comprises the following step:
Make this acquisition module capture a fingerprint of a user;
Make this processing module handle this fingerprint that captures to produce a picking up fingerprint feature;
Make this processing module judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature;
Make this processing module produce a show message, show this at least one e-credit identity information;
Make this processing module according to a selected signal, produce this at least one encrypting and authenticating trading password and this at least one encrypted electronic credit card code, this selected signal is selected this at least one e-credit identity information;
Make this processing module decipher this encrypting and authenticating trading password to get a selected authenticating transactions password;
Make this processing module decipher this encrypted electronic credit card code to get a selected e-credit code;
Make this authenticating transactions module according to selecting the authenticating transactions password, capture and be somebody's turn to do selected this corresponding at least one e-credit basic document of e-credit code; And
Make this authenticating transactions module transmit this e-credit basic document to this point of sale information management system.
23. electronic trade method as claimed in claim 22, it is characterized in that, this memory module is suitable to store a plurality of registered fingerprint features, a plurality of e-credit identity informations, a plurality of encrypting and authenticating trading passwords and a plurality of encrypted electronic credit card code, respectively this e-credit identity information correspond to those encrypting and authenticating trading passwords one of them and those encrypted electronic credit card codes one of them, the a plurality of e-credit basic documents of this authenticating transactions module stores, respectively this encrypted electronic credit card code correspond to those e-credit basic documents one of them, this electronic trade method also comprises the following step:
Make this processing module according to selecting signal, in those encrypting and authenticating trading passwords, selection corresponds to a selected e-credit identifying data person and selectes the authenticating transactions password with deciphering as being somebody's turn to do, wherein should selected those e-credit identifying datas of selected signal one of them, with as a selected e-credit identifying data;
Make this processing module in those e-credit codes, select to correspond to this selected e-credit identifying data person and select the e-credit code as being somebody's turn to do with deciphering; And
Make this authenticating transactions module according to should selected authenticating transactions password, in those e-credit basic documents, select to correspond to this selected electronic credit clip pin person with as a selected electronic credit card information, so that be sent to this point of sale information management system.
24. electronic trade method as claimed in claim 23, it is characterized in that, this authenticating transactions module comprises an authentication module and a reception/sending module, this authentication module comprises a safe storage body, a smart card, a Java card or a SMX card, this reception/sending module is a close range wireless communication module, this selects the step of this selected electronic credit card information performed by this authentication module of this authenticating transactions module, and this transfer step is performed by this reception/sending module of this authenticating transactions module.
25. electronic trade method, this method is used for an electronic mobile apparatus, this electronic mobile apparatus is wirelessly connected to a point of sale information management system to carry out an electronic transaction, this electronic mobile apparatus comprises an acquisition module, a processing module and an authenticating transactions module, at least one registered fingerprint feature of this authenticating transactions module stores, at least one e-credit identity information and at least one e-credit basic document, respectively this at least one registered fingerprint feature produces in advance according to a fingerprint of a legal user, and this electronic trade method comprises the following step:
Make this acquisition module capture a fingerprint of a user;
Make this processing module handle this fingerprint to produce a picking up fingerprint feature;
Make this authenticating transactions module judge that this picking up fingerprint feature corresponds to this at least one registered fingerprint feature;
Make this processing module produce a show message, show this at least one e-credit identity information;
Make this processing module according to a selected signal, produce this at least one e-credit basic document; And
Make this authenticating transactions module transmit this at least one e-credit basic document to this point of sale information management system.
26. electronic trade method as claimed in claim 25, it is characterized in that, the a plurality of e-credit identity informations of authenticating transactions module stores, a plurality of e-credit basic document and a plurality of registered fingerprint feature, respectively this e-credit identity information correspond to those e-credit basic documents one of them, should selected those e-credit identity informations of selected signal one of them with as a selected e-credit identity information, this electronic trade method also comprises the following step:
Make this authenticating transactions module in those e-credit basic documents, select to correspond to this selected e-credit identity information person, should select the electronic credit card information to this point of sale information management system so that transmit with as a selected electronic credit card information.
27. electronic trade method as claimed in claim 26, it is characterized in that, this authenticating transactions module comprises an authentication module and a reception/sending module, this authentication module comprises a safe storage body, one smart card, one Java card or a SMX card, this reception/sending module is a close range wireless communication module, those registered fingerprint features, those e-credit identity informations and those e-credit basic documents are stored in this authentication module of this authenticating transactions module, this determining step and this select step performed by this authentication module of this authenticating transactions module, and this transfer step is performed by this reception/sending module of this authenticating transactions module.
28. electronic trade method as claimed in claim 27 is characterized in that, obtains this picking up fingerprint feature that this processing module produces by the determining step that this authentication module is carried out by this reception/sending module.
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CN102117515A (en) * 2010-01-05 2011-07-06 耀光联有限公司 Wireless fingerprint card
CN102542444A (en) * 2011-12-22 2012-07-04 大唐微电子技术有限公司 Method, device and system for carrying out identity verification of mobile payment
CN102592217A (en) * 2011-01-06 2012-07-18 陈秉鉴 Financial transaction operation method used by mobile device and transaction system thereof
US8522021B2 (en) 2010-04-30 2013-08-27 Hewlett-Packard Development Company, L.P. Communication channel of a device
US8725579B2 (en) 2010-04-30 2014-05-13 Qualcomm Incorporated Device ID and financial information

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102117515A (en) * 2010-01-05 2011-07-06 耀光联有限公司 Wireless fingerprint card
US8522021B2 (en) 2010-04-30 2013-08-27 Hewlett-Packard Development Company, L.P. Communication channel of a device
US8725579B2 (en) 2010-04-30 2014-05-13 Qualcomm Incorporated Device ID and financial information
CN102592217A (en) * 2011-01-06 2012-07-18 陈秉鉴 Financial transaction operation method used by mobile device and transaction system thereof
CN102542444A (en) * 2011-12-22 2012-07-04 大唐微电子技术有限公司 Method, device and system for carrying out identity verification of mobile payment

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