CN103761650A - Electronic purse for converting fingerprint information into personal identification code and converting method - Google Patents

Electronic purse for converting fingerprint information into personal identification code and converting method Download PDF

Info

Publication number
CN103761650A
CN103761650A CN201410038450.XA CN201410038450A CN103761650A CN 103761650 A CN103761650 A CN 103761650A CN 201410038450 A CN201410038450 A CN 201410038450A CN 103761650 A CN103761650 A CN 103761650A
Authority
CN
China
Prior art keywords
fingerprint
pin
personal identification
module
identification number
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201410038450.XA
Other languages
Chinese (zh)
Inventor
陈志森
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to CN201410038450.XA priority Critical patent/CN103761650A/en
Publication of CN103761650A publication Critical patent/CN103761650A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Human Computer Interaction (AREA)
  • Multimedia (AREA)
  • Collating Specific Patterns (AREA)

Abstract

The invention relates to an electronic purse for converting fingerprint information into a personal identification code and a converting method, and belongs to the technical field of electronic payment. Safety defects existing in a bank card particularly a magnetic stripe bank card in the transaction process are mainly overcome. The electronic purse comprises a fingerprint identification module, an electronic purse managing module, a touch screen, a memorizer communication module and a power module and is characterized by further comprising a fingerprint information converting module connected between the fingerprint identification module and the electronic purse managing module, and the fingerprint information converting module converts the fingerprint information passing identification into the personal identification code which can be connected with a cash transaction terminal in an abutting-against mode and outputs the personal identification code for transaction. The electronic purse and the converting method have the advantages that the cash transaction terminal is directly connected in the abutting-against mode for use, and a fingerprint of a trader is used for direct right verification of the transaction terminal, so that safety is better, and the electronic purse and the converting method are mainly used for converting the fingerprint information into the personal identification code.

Description

A kind of stored value card and conversion method that finger print information is converted to PIN (Personal Identification Number)
Technical field
The invention belongs to E-Payment technical field, relate to stored value card, particularly a kind of stored value card and conversion method that finger print information is converted to PIN (Personal Identification Number).
Background technology
Compare with paying in cash, various bank cards, consumption card, because it is easy to carry, safety, by everybody approval, become at present the modes of payments the most widely, but in order to tackle various payout status, people often need to carry multiple multiple different cards, this just uses and makes troubles to user, and more everybody pays close attention to, be bank card and the security in process of exchange thereof, modus operandi in the face of offender makes a lot of variety, constantly updates, brings loss to user, has been thing of common occurrence.But at present, take bank card as carrier passes through fixed network, financial private network transmits, and user concludes the business on ATM, POS machine, such transaction system, not only country and enterprise have carried out huge input, formed huge resource, and consumer also has been familiar with having formed consumption habit, therefore, both made full use of existing resource, improve again the security in bank card and process of exchange thereof, the convenience portably using, is a problem that very actual needs solves.Stored value card comprises the appearance of mobile phone wallet, solved to a certain extent bank card in the inconvenience of using and carrying, but people still suspect to its security, mobile phone wallet and the modes of payments that some are new, due to incompatible, particularly can not be compatible with existing transaction terminal device, the problem of bringing is like this one to consumer, to use and to make troubles, Er Shi enterprise needs writing input to layout, three have also limited the development of this new industry, so this just becomes a problem very in the urgent need to address.
For improving the security of transaction, adopt fingerprint identification technology to differentiate user identity, the most practical beyond doubt, feasible optimal selection, from data searching, in these years, on stored value card, adopt the patent of this technology to have four, they are that mono-kind of CN201220628599 gives and first gives the stored value card of putting time delay key, CN200910091555 special electronic payment device, the digital mobile card of a CN201320133878 All-in-One, CN03114340 adopts fingerprint terminal to realize method and the smart mobile phone of mobile e-business, wherein first three items patent is all, with fingerprint identification technology, instrument of exchange is carried out to authentication as mobile phone, but to transaction terminal as ATM, POS machine, what it was concerned about is that dealer's identity is weighed really, so user is when concluding the business, still need by keyboard input individual subscriber identification code, this has not only reduced operational convenience, this link that main is just at present in transaction safety problem expose maximum links, to the 4th patent, the solution that this patent proposes need be established special fingerprint base and be carried out finger-mark check on terminal business platform, the weak point of this method is that the transmission of finger print information increases workload and the cost of transmission, the foundation of fingerprint base needs certain input even may relate to relevant laws and regulations problem.
Summary of the invention
The object of the invention is to propose a kind of technical solution for above-mentioned weak point, both adopted fingerprint identification technology, can dock with existing transaction terminal again, both avoided the deficiency manually existing in security by keyboard input individual subscriber identification code, stored value card and the conversion method that can make again the transaction terminal device of the huge resource that now dropped into and formed play a role better.
The technical solution that realizes stored value card of the present invention is: a kind of stored value card that finger print information is converted to PIN (Personal Identification Number), comprise fingerprint identification module, wallet administration module, touch screen, storer, communication module and power module, wherein, fingerprint identification module comprises that optical fingerprint image gathers submodule, fingerprint characteristic extracts submodule and fingerprint matching submodule, fingerprint identification module, wallet administration module, touch screen, storer is all connected with power module with communication module, it is characterized in that: also comprise and be connected in fingerprint identification module, finger print information modular converter between wallet administration module and power module, described communication module includes close range wireless communication module, radio frequency IC communication module and usb communication module, the fingerprint that fingerprint identification module gathers, when identification meets with the finger print information of storing, output information, send finger print information modular converter to, finger print information modular converter converts this information to the transaction PIN (Personal Identification Number) that can dock with existing transaction terminal device, and this transaction is flowed to wallet administration module by PIN (Personal Identification Number), wallet administration module sends this transaction to communication module by PIN (Personal Identification Number), for transaction.
Finger print information modular converter described in the technical solution of stored value card of the present invention is comprised of microprocessor and intelligent card chip, and the contact of intelligent card chip is connected with microprocessor corresponding port.
In the technical solution of stored value card of the present invention, also comprise a wireless near field communication card coordinating with described close range wireless communication module, this wireless near field communication card includes Contact Type Ic Card contact, close range wireless communication module K and aerial coil; Close range wireless communication module K one end is connected with aerial coil, and the other end is connected with Contact Type Ic Card contact; Wireless near field communication card front portion comprises Contact Type Ic Card contact, the position dimension of the anterior size dimension of wireless near field communication card and Contact Type Ic Card contact, meet contact IC bank card relevant criterion, close range wireless communication module K and aerial coil are arranged on wireless near field communication card rear portion.
Fingerprint identification module described in the technical solution of stored value card of the present invention, finger print information modular converter, wallet administration module, touch screen, storer, communication module and power module embed and are installed on product particularly in portable product.
Product described in the technical solution of stored value card of the present invention is wearing type electronic watch, mobile phone.
The present invention adopts the technical solution that above-mentioned stored value card is paid by mails to be: a kind of employing converts finger print information to the stored value card of PIN (Personal Identification Number) and the method for changing thereof, it is characterized in that comprising stored value card is individualized and arranged and user uses stored value card step
Wherein stored value card being individualized to setting steps comprises:
(1) fingerprint identification module extracts user fingerprints characteristic information and generates fingerprint character code KD;
(2) fingerprint character code KD is sent to finger print information modular converter, and is stored in the password area of the intelligent card chip storer in this module;
(3) user inputs transaction and by PIN (Personal Identification Number), is stored in the user application area of intelligent card chip storer;
Step when user uses stored value card comprises:
Fingerprint identification module gather fingerprint through identification and store user fingerprints information conforms time, the condition code that takes the fingerprint KD, sends finger print information modular converter to;
(5) the microprocessor in finger print information modular converter and intelligent card chip are differentiated the fingerprint character code KD of input;
(6), if discriminating and former deposited fingerprint character code KD meet, intelligent card chip discharges the transaction PIN (Personal Identification Number) of depositing in the user application area of storer; If discriminating and former deposited fingerprint character code KD do not meet, close stored value card;
(7) with PIN (Personal Identification Number) output, send this transaction to wallet administration module, wallet administration module sends this transaction to communication module by PIN (Personal Identification Number);
(8) communication module is encrypted this transaction to send transaction terminal device to by PIN (Personal Identification Number), concludes the business.
The present invention adopts the technical solution that above-mentioned stored value card is paid by mails to be: a kind of employing converts finger print information to the stored value card of PIN (Personal Identification Number) and the method for changing thereof, it is characterized in that comprising stored value card is individualized and arranged and user uses stored value card step
Wherein stored value card being individualized to setting steps comprises:
(1) fingerprint identification module extracts user fingerprints characteristic information and generates fingerprint character code KD;
(2) fingerprint character code KD is sent to finger print information modular converter, and is stored in the password area of the intelligent card chip storer in this module;
(3) user inputs transaction and arrives finger print information modular converter by PIN (Personal Identification Number);
(4) this finger print information modular converter contains PIN (Personal Identification Number) generator program, this program is carried out computing according to the transaction of input with PIN (Personal Identification Number) and fingerprint character code KD, generating routine parameters C, is stored in this program parameter C the user application area of intelligent card chip storer;
Step when user uses stored value card comprises:
(5) fingerprint identification module gathers fingerprint when identification and the user's that stores finger print information meets, and the condition code that takes the fingerprint KD, sends finger print information modular converter to;
(6) the microprocessor in finger print information modular converter and intelligent card chip are differentiated the fingerprint character code KD of input;
(7), if discriminating and former deposited fingerprint character code KD meet, intelligent card chip discharges the program parameter C depositing in the user application area of storer; If discriminating and former deposited fingerprint character code KD do not meet, close stored value card;
(8) PIN (Personal Identification Number) generator program reduces computing according to the program parameter C discharging and fingerprint character code KD, produces transaction PIN (Personal Identification Number);
(9) with PIN (Personal Identification Number) output, send this transaction to wallet administration module, wallet administration module sends this transaction to communication module by PIN (Personal Identification Number);
(10) communication module is encrypted this transaction to send transaction terminal device to by PIN (Personal Identification Number), concludes the business.
It is a subtraction program that the present invention adopts the PIN (Personal Identification Number) generator program described in the technical solution that above-mentioned stored value card pays by mails, fingerprint character code KD is the minuend of this program, PIN (Personal Identification Number) is for poor, individualize while arranging, it is program parameter C that fingerprint character code KD and PIN (Personal Identification Number) obtain subtrahend through this sequential operation; Subtraction program is carried out inverse operation according to the program parameter C discharging and fingerprint character code KD must be poor, i.e. PIN (Personal Identification Number).
The present invention is owing to having adopted technique scheme, on the basis of existing stored value card, increase finger print information modular converter, the user fingerprints information of fingerprint identification module collection is converted to and can by PIN (Personal Identification Number), be exported for concluding the business with the transaction of existing transaction terminal device docking, thereby make fingerprint identification technology not only to this product authentication of stored value card, and dealer is directly really weighed to transaction terminal device with fingerprint own, make the weakest link of security in current process of exchange, security is improved.
The present invention converts fingerprint characteristic information to the individual subscriber identification code of energy and transaction terminal device docking, existing transaction terminal device does not need or does a little change, this stored value card just can be used, so now drop into the huge resource of formation and just can utilize better, be also convenient to promoting the use of of this stored value card product simultaneously.
The present invention embeds stored value card to be installed in smart mobile phone or intelligent watch, this mobile phone or wrist-watch become a kind of mobile electronic payment instrument of exchange that has multi-exchange mode, covers face width, it can be directly and banking terminal device docking carry out unloading and get business, can carry out take the POS of businessman machine and connect shopping and various consumer sale under the line of payment platform as terminal; Also can be connected by this product the shopping online of carrying out take the internet passage that bank card account is fund with computer, consumption service; Can also break away from bank card must and the mobile payment mode of handset binding, with user fingerprints, do identification and carry out near field and long-range mobile consumption and payment by mobile network, thereby make user have more more selection flexibly, so this product is the instrument of exchange of reaching the standard grade down and can cover in a kind of internet, fixed network, mobile network, line.
The present invention is mainly used in user fingerprints information to convert to stored value card and the conversion method of PIN (Personal Identification Number).
Accompanying drawing explanation
Fig. 1 is the first embodiment schematic appearance of the present invention.
Fig. 2 is the first embodiment system block diagram of the present invention.
Fig. 3 is the first embodiment relevant portion circuit theory diagrams of the present invention.
Fig. 4 is that intelligent card chip of the present invention carries out crypto-operation discrimination method figure to fingerprint character code.
Fig. 5 is the first embodiment wireless near field communication card schematic diagram of the present invention.
Fig. 6 is that the first of the present invention converts finger print information to PIN (Personal Identification Number) method figure.
Fig. 7 is that the second of the present invention converts finger print information to PIN (Personal Identification Number) method figure.
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the present invention is described further.
Fig. 1 is the first embodiment schematic appearance of the present invention, and Fig. 2 is the first embodiment system block diagram of the present invention.In the present embodiment, stored value card 20 is embedded into and is installed in a wrist-watch, becomes the wrist-watch 10 of a having electronic wallet.The optical fingerprint image of the fingerprint identification module 21 in stored value card 20 gathers the side that submodule 21A is installed on watchband 12, power module 27 is installed on watchband opposite side, the remainder of stored value card 20 except optical fingerprint image acquisition module 21A is installed in watchcase 11, it includes another two submodules of fingerprint identification module 21, fingerprint characteristic extracts submodule 21B, fingerprint matching submodule 21C and finger print information modular converter 23, wallet administration module 24, touch screen 25, storer 26, communication module 22.Automotive electronics cipher code lock module 30 is also housed in addition.In Fig. 2, with dotted line frame, gone out fingerprint identification module 21, its optical fingerprint image acquisition module 21A output is connected to fingerprint characteristic and extracts submodule 21B, the output of this module 21B is connected to fingerprint matching module 21C, and this module 21C output is connected to finger print information modular converter 23 and electronic cipher lock module 30.Finger print information modular converter 23 is comprised of single-chip microcomputer 23A and smart card cpu chip 23B, both ports connect, 23 outputs of finger print information modular converter are connected to wallet administration module 24, this module 24 is also connected with touch screen 25, storer 26, communication module 22 respectively, communication module 22 includes two submodules, is respectively with dotted line frame, to go out in close range wireless communication module 22A, radio frequency IC communication module 22B, Fig. 3.Above-mentioned all modules are connected with power module 27 respectively.
In the present embodiment, fingerprint characteristic extracts submodule 21B, fingerprint matching submodule 21C, and finger print information modular converter 23, wallet administration module 24, realizes with a microcontroller 40 in force, in figure, with double dot dash line frame, goes out to represent.
User, after buying this wallet, needs before use first this wallet to be individualized to setting.This includes: (1), user are by printing fingerprint, and fingerprint identification module 21 gathers fingerprint, and user fingerprints characteristic information is stored in this module 21; (2), wallet password is set, be fingerprint character code KD, after fingerprint recognition, fingerprint identification module 21 characteristic information that takes the fingerprint generates a fingerprint character code KD, and the password area that it is stored in the storer of smart card (CPU) the chip 23B that includes CPU is become to the password of this wallet; (3), the setting of individual subscriber identification code (PIN), user is by keyboard input PIN (Personal Identification Number) (PIN) for transaction, finger print information modular converter 23 is stored in the user application area of the storer of smart card CPU the core of the card sheet 23B.
When user uses this stored value card 20 to conclude the business, first by touch screen 25, choose trading object, determine transaction terminal device, then on touch screen 25, choose a certain bank card of a certain bank in stored value card 20 accounts, after by seal fingerprint, communication module 22 and transaction terminal device (ATM, POS machine etc.) carry out Transaction Information communication acknowledgement, meanwhile, fingerprint image acquisition submodule 21A sends the finger print information of collection to fingerprint characteristic and extracts submodule 21B, and by the fingerprint characteristic information of extraction send to fingerprint matching submodule 21C and deposit individualized time the discriminating of comparing of user fingerprints characteristic information, if meet, fingerprint identification module 21 is according to the fingerprint characteristic Information generation fingerprint character code KD extracting, send finger print information modular converter 23 to, between single-chip microcomputer 23A in this module 23 and smart card cpu chip 23B, in prescribed way this fingerprint character code KD is differentiated, if this fingerprint character code KD and the former fingerprint character code KD depositing when individualized are consistent, the PIN (Personal Identification Number) PIN that deposit the storer releasing user application area of smart card cpu chip, and send wallet administration module 24 to, this module 24 is communicated by letter with transaction terminal device in communication module 22, confirm after Transaction Information, this module 24 is about to PIN (Personal Identification Number) PIN encryption and sends transaction terminal device to by communication module 22, conclude the business, after transaction completes, wallet administration module 24 stores Transaction Information in storer 26 into, and Transaction Information is shown on touch screen 25.
If the finger print information of depositing when the fingerprint of fingerprint identification module 21 identification and former wallet 20 are individualized does not meet, fingerprint identification module 21 characteristic information that do not take the fingerprint generates fingerprint character code KD,, stored value card 20 can not be opened.
Finger print information sends automotive electronics cipher code lock module (30) to becomes coded lock key.
Fig. 3 is the first embodiment circuit theory diagrams, in this embodiment, with 8098 single-chip microcomputers, add EPROM2718 and the EEPROM28256 of expansion, and with its supporting 74LS373 latch, the system that 74LS139 external address decoder forms, realize the microcontroller 40 going out with double dot dash line frame in Fig. 2, be that fingerprint characteristic extracts submodule 21B, system matches submodule 21C, single-chip microcomputer 23A in finger print information modular converter 23, and wallet administration module 24, the function of storer 26, adopt 8155 to make outside Extended Capabilities Port as keyboard and demonstration port, by 8255 outside Extended Capabilities Port, be used as communication module 22 ports, communication module is provided with close range wireless communication module NFC22A, radio frequency IC communication module 22B, fingerprint image acquisition submodule 21A, through photoelectricity isolation, be connected with the P3 mouth of 8098 single-chip microcomputers, adopt AT90SC chip to make smart card cpu chip 23B in finger print information modular converter 23, its each contact routinely with 8098 single-chip microcomputers are connected, the discriminating authentication of fingerprint character code KD is carried out between 8098 single-chip microcomputers and AT90SC, the important information of stored value card 20 comprises fingerprint character code KD, transaction PIN (Personal Identification Number) PIN, user's bank card information is all stored in the memory block of AT90SC chip, while only having the fingerprint character code KD depositing when individualized when the discriminating of fingerprint character code KD and wallet to be consistent, the memory block information of this smart card cpu chip 23B just discharges available.
Smart card cpu chip 23B in finger print information modular converter 23 of the present invention also can not adopt smart card cpu chip 23B, and adopts the logic encryption card chip with protocol authentication function, or the chip of other said function substitutes.
Fig. 4 is that the first embodiment smart card cpu chip 23B of the present invention carries out crypto-operation discrimination method to fingerprint character code KD, differentiates and carries out between single-chip microcomputer 23A and smart card cpu chip 23B.First by single-chip microcomputer, send the instruction of generation random number and produce random number N passback single-chip microcomputer → single-chip microcomputer according to random number N to smart card cpu chip → smart card cpu chip, fingerprint character code KD and key A K are encrypted computing and produce ciphertext M → and ciphertext M and key A K passback smart card cpu chip → smart card cpu chip are decrypted to computing according to ciphertext M and key A K, if obtain, random number N and fingerprint character code KD → and fingerprint character code KD during inner deposit individualized compares, and discriminating → release smart card cpu chip 23B user application area conforms to.
Fig. 5 is the first embodiment wireless near field communication card of the present invention (NFC) schematic diagram.Wireless near field communication card (NFC) 50 includes Contact Type Ic Card contact 51, aerial coil 52, close range wireless communication module K 53 forms, close range wireless communication module K53 one end is connected with contact 51 corresponding point, its other end is connected with aerial coil 52, contact 51, aerial coil 52, it is one card-like that close range wireless communication module K 53 3 parts are made into, the dotted line right side in the anterior 54(figure of card) include contact 51, front portion 54 its size dimensions of this card and the big or small position dimension of contact 51 should meet the relevant regulations of Contact Type Ic Card bank card, the dotted line left side in the rear portion 55(figure of this card) include close range wireless communication module K 53 and aerial coil 52.
When user concludes the business, if transaction terminal device ATM, POS machine etc. do not have wireless near field communication (NFC) function, now user need insert wireless near field communication card 50 port of the slotting bank card of transaction terminal device, the contact 51 of the contact in transaction terminal device and wireless near field communication card 50 is communicated with, the close range wireless communication module 22A of stored value card 20 is coupled by aerial coil 52, communicate by letter with the close range wireless communication module K53 in wireless near field communication card 50, and information exchange is crossed to contact 51 send transaction terminal device to.
Fig. 6 is that the finger print information modular converter 23 of the first stored value card of the present invention converts finger print information to PIN (Personal Identification Number) method figure.The fingerprint of its fingerprint identification module collection output information when identifying and user fingerprints feature meets converts the individual subscriber identification code PIN of energy and transaction terminal docking to through finger print information modular converter, its method: comprise stored value card is individualized and arranged and user uses stored value card step, wherein, stored value card being individualized to setting steps comprises:
(1) fingerprint identification module (21) extracts user fingerprints characteristic information and generates fingerprint character code KD;
(2) fingerprint character code KD is sent to finger print information modular converter 23, and is stored in the password area of the smart card cpu chip storer in this module;
(3) user inputs transaction and with PIN (Personal Identification Number) PIN, is stored in the user application area of smart card cpu chip storer;
Step when user uses stored value card comprises:
Fingerprint identification module 21 gather fingerprints through identification and store user fingerprints information conforms time, the condition code that takes the fingerprint KD, sends finger print information modular converter 23 to;
(5) the microprocessor in finger print information modular converter 23 and smart card cpu chip are differentiated the fingerprint character code KD of input;
(6), if discriminating and former deposited fingerprint character code KD meet, smart card cpu chip discharges the PIN (Personal Identification Number) PIN depositing in the user application area of storer; If discriminating and former deposited fingerprint character code KD do not meet, close stored value card;
(7) with PIN (Personal Identification Number) PIN output, send this transaction to wallet administration module 24, wallet administration module 24 sends this transaction to communication module 22 with PIN (Personal Identification Number) PIN;
(8) communication module 22 is encrypted this transaction to send transaction terminal device to PIN (Personal Identification Number) PIN, concludes the business.
Fig. 7 is that the finger print information modular converter 23 of the second stored value card of the present invention converts finger print information to PIN (Personal Identification Number) method figure.Its method comprises stored value card is individualized and arranged and user uses stored value card step, wherein, stored value card is individualized to setting steps and comprise:
(1) fingerprint identification module extracts user fingerprints characteristic information and generates fingerprint character code KD;
(2) fingerprint character code KD is sent to finger print information modular converter 23, and is stored in the password area of the smart card cpu chip storer in this module;
(3) user inputs transaction with PIN (Personal Identification Number) PIN with to finger print information modular converter 23;
(4) this finger print information modular converter 23 contains PIN (Personal Identification Number) generator program, and this program is carried out computing according to PIN (Personal Identification Number) PIN and fingerprint character code KD, and generating routine parameters C is stored in this program parameter C the user application area of smart card cpu chip storer;
Step when user uses stored value card comprises:
(5) fingerprint identification module 21 gathers fingerprint when identification meets with the finger print information of storing, and the condition code that takes the fingerprint KD, sends finger print information modular converter 23 to;
(6) the microprocessor in finger print information modular converter 23 and smart card cpu chip are differentiated the fingerprint character code KD of input;
(7), if discriminating and former deposited fingerprint character code KD meet, smart card cpu chip discharges the program parameter C depositing in the user application area of storer; If discriminating and former deposited fingerprint character code KD do not meet, close stored value card;
(8) PIN (Personal Identification Number) generator program, according to the program parameter C discharging and fingerprint character code KD reduction computing, produces individual subscriber identification code PIN;
(9) with PIN (Personal Identification Number) output, send this transaction to wallet administration module 24, wallet administration module 24 sends this transaction to communication module 22 by PIN (Personal Identification Number);
(10) communication module 22 is encrypted this transaction to send transaction terminal device to by PIN (Personal Identification Number), completes transaction.
It can be subtraction program that the finger print information modular converter of stored value card of the present invention converts finger print information to the PIN (Personal Identification Number) generator program described in the method for PIN (Personal Identification Number), fingerprint character code KD is the minuend of this program, PIN (Personal Identification Number) is for poor, stored value card individualizes while arranging, it is program parameter C that fingerprint character code KD and PIN (Personal Identification Number) obtain subtrahend through this sequential operation, when user uses stored value card, the program parameter C that the fingerprint character code KD extracting and smart card (cpu) chip discharge, must be poor through the inverse operation of PIN (Personal Identification Number) generator program, it is PIN (Personal Identification Number).

Claims (8)

1. a stored value card that finger print information is converted to PIN (Personal Identification Number), comprise fingerprint identification module (21), wallet administration module (24), touch screen (25), storer (26), communication module (22) and power module (27), wherein, fingerprint identification module (21) comprises that optical fingerprint image gathers submodule (21A), fingerprint characteristic extracts submodule (21B) and fingerprint matching submodule (21C), it is characterized in that: also comprise and be connected in fingerprint identification module (21), finger print information modular converter (23) between wallet administration module (24) and power module (27), described communication module (22) includes close range wireless communication module (22A), radio frequency IC communication module (22B) and usb communication module (22C), the fingerprint that fingerprint identification module (21) gathers output information when identification meets with the finger print information of storing sends finger print information modular converter (23) to, finger print information modular converter (23) converts this information to the transaction PIN (Personal Identification Number) that can dock with existing transaction terminal device, and this transaction is flowed to wallet administration module (24) by PIN (Personal Identification Number), wallet administration module (24) sends this transaction to communication module (22) by PIN (Personal Identification Number), for transaction.
2. a kind of stored value card that finger print information is converted to PIN (Personal Identification Number) according to claim 1, it is characterized in that: described finger print information modular converter (23) is comprised of microprocessor and smart card (CPU) chip, and the contact of smart card (CPU) chip is connected with microprocessor corresponding port.
3. a kind of stored value card that finger print information is converted to PIN (Personal Identification Number) according to claim 1 and 2, it is characterized in that: also comprise a wireless near field communication card (50) coordinating with described close range wireless communication module (22A), this wireless near field communication card (50) includes Contact Type Ic Card contact (51), close range wireless communication module K(53) and aerial coil (52); Close range wireless communication module K(53) one end is connected with aerial coil (52), and the other end is connected with Contact Type Ic Card contact (51); Wireless near field communication card (50) front portion comprises Contact Type Ic Card contact (51), the position dimension of the anterior size dimension of wireless near field communication card (50) and Contact Type Ic Card contact (51), meet contact IC bank card relevant criterion, close range wireless communication module K(53) and aerial coil (52) be arranged on wireless near field communication card (50) rear portion.
4. a kind of stored value card that finger print information is converted to PIN (Personal Identification Number) according to claim 1 and 2, is characterized in that: described fingerprint identification module (21), finger print information modular converter (23), wallet administration module (24), touch screen (25), storer (26), communication module (22) and power module (27) embed and be installed in product.
5. a kind of stored value card that finger print information is converted to PIN (Personal Identification Number) according to claim 4, is characterized in that: described product is wearing type electronic watch, mobile phone.
6. adopt claimed in claim 1ly a kind ofly to convert finger print information to a method that the stored value card of PIN (Personal Identification Number) is changed, it is characterized in that comprising stored value card individualize to setting and user uses stored value card step,
In stored value card individualized to setting steps comprise:
(1) fingerprint identification module (21) extracts user fingerprints characteristic information and generates fingerprint character code KD;
(2) fingerprint character code KD is sent to finger print information modular converter (23), and is stored in the password area of smart card (CPU) chip memory in this module (23);
(3) user inputs transaction and by PIN (Personal Identification Number), is stored in the user application area of smart card (CPU) chip memory;
Step when user uses stored value card comprises:
Fingerprint identification module (21) gather fingerprint through identification and store user fingerprints information conforms time, the condition code that takes the fingerprint KD, sends finger print information modular converter (23) to;
(5) the microprocessor in finger print information modular converter (23) and smart card (CPU) chip are differentiated the fingerprint character code KD of input;
(6), if discriminating and former deposited fingerprint character code KD meet, smart card (CPU) chip discharges the transaction PIN (Personal Identification Number) of depositing in the user application area of storer; If discriminating and former deposited fingerprint character code KD do not meet, close stored value card;
(7) with PIN (Personal Identification Number) output, send this transaction to wallet administration module (24), wallet administration module (24) sends this transaction to communication module (22) by PIN (Personal Identification Number);
(8) communication module (22) is encrypted this transaction to send transaction terminal device to by PIN (Personal Identification Number), concludes the business.
7. adopt claimed in claim 1ly a kind ofly to convert finger print information to a method that the stored value card of PIN (Personal Identification Number) is changed, it is characterized in that comprising stored value card individualize to setting and user uses stored value card step,
Wherein stored value card being individualized to setting steps comprises:
(1) fingerprint identification module (21) extracts user fingerprints characteristic information and generates fingerprint character code KD;
(2) fingerprint character code KD is sent to finger print information modular converter (23), and is stored in the password area of smart card (CPU) chip memory in this module (23);
(3) user inputs transaction and arrives finger print information modular converter (23) by PIN (Personal Identification Number);
(4) this finger print information modular converter (23) contains PIN (Personal Identification Number) generator program, this program is carried out computing according to the transaction of input with PIN (Personal Identification Number) and fingerprint character code KD, generating routine parameters C, is stored in this program parameter C the user application area of smart card (CPU) chip memory;
Step when user uses stored value card comprises:
(5) fingerprint identification module (21) gathers fingerprint when identification and the user's that stores finger print information meets, and the condition code that takes the fingerprint KD, sends finger print information modular converter (23) to;
(6) the microprocessor in finger print information modular converter (23) and smart card (CPU) chip are differentiated the fingerprint character code KD of input;
(7), if discriminating and former deposited fingerprint character code KD meet, smart card (CPU) chip discharges the program parameter C depositing in the user application area of storer; If discriminating and former deposited fingerprint character code KD do not meet, close stored value card;
(8) PIN (Personal Identification Number) generator program reduces computing according to the program parameter C discharging and fingerprint character code KD, produces transaction PIN (Personal Identification Number);
(9) with PIN (Personal Identification Number) output, send this transaction to wallet administration module (24), wallet administration module (24) sends this transaction to communication module (22) by PIN (Personal Identification Number);
(10) communication module (22) is encrypted this transaction to send transaction terminal device to by PIN (Personal Identification Number), concludes the business.
8. a conversion method according to claim 7, it is characterized in that: (4) the PIN (Personal Identification Number) generator program described in step be a subtraction program, fingerprint character code KD is the minuend of this program, PIN (Personal Identification Number) is for poor, individualize while arranging, it is program parameter C that fingerprint character code KD and PIN (Personal Identification Number) obtain subtrahend through this sequential operation; The (8) step to be subtraction program carry out inverse operation according to the program parameter C discharging and fingerprint character code KD must be poor, i.e. PIN (Personal Identification Number).
CN201410038450.XA 2014-01-27 2014-01-27 Electronic purse for converting fingerprint information into personal identification code and converting method Pending CN103761650A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201410038450.XA CN103761650A (en) 2014-01-27 2014-01-27 Electronic purse for converting fingerprint information into personal identification code and converting method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201410038450.XA CN103761650A (en) 2014-01-27 2014-01-27 Electronic purse for converting fingerprint information into personal identification code and converting method

Publications (1)

Publication Number Publication Date
CN103761650A true CN103761650A (en) 2014-04-30

Family

ID=50528884

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201410038450.XA Pending CN103761650A (en) 2014-01-27 2014-01-27 Electronic purse for converting fingerprint information into personal identification code and converting method

Country Status (1)

Country Link
CN (1) CN103761650A (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104361492A (en) * 2014-11-05 2015-02-18 武汉天聪创意科技有限公司 Embedded electronic wallet and payment method thereof
CN105093911A (en) * 2015-09-07 2015-11-25 浙江维尔科技股份有限公司 Intelligent watch
CN107949861A (en) * 2015-07-02 2018-04-20 Asb银行有限公司 For the system, apparatus and method interacted with account
CN109923545A (en) * 2017-09-13 2019-06-21 指纹卡有限公司 The method and apparatus for allowing to carry out the certification to the user of client device by secure communication channel based on biometric data

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09147104A (en) * 1995-11-21 1997-06-06 Mitsubishi Electric Corp Fingerprint collating device
CN101727550A (en) * 2008-10-27 2010-06-09 联想(北京)有限公司 Cipher safety system identified on basis of biological characteristics and method
CN201903903U (en) * 2010-12-24 2011-07-20 国民技术股份有限公司 Dual-interface IC card device
CN102176694A (en) * 2011-03-14 2011-09-07 张龙其 Fingerprint module with encryption unit
CN102799982A (en) * 2012-06-29 2012-11-28 深圳市亚略特生物识别科技有限公司 Electronic transaction system
CN103049850A (en) * 2013-01-05 2013-04-17 深圳市中兴移动通信有限公司 Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication)
CN103366274A (en) * 2013-05-25 2013-10-23 中山市中商港科技有限公司 Hybrid e-commerce instant payment method

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH09147104A (en) * 1995-11-21 1997-06-06 Mitsubishi Electric Corp Fingerprint collating device
CN101727550A (en) * 2008-10-27 2010-06-09 联想(北京)有限公司 Cipher safety system identified on basis of biological characteristics and method
CN201903903U (en) * 2010-12-24 2011-07-20 国民技术股份有限公司 Dual-interface IC card device
CN102176694A (en) * 2011-03-14 2011-09-07 张龙其 Fingerprint module with encryption unit
CN102799982A (en) * 2012-06-29 2012-11-28 深圳市亚略特生物识别科技有限公司 Electronic transaction system
CN103049850A (en) * 2013-01-05 2013-04-17 深圳市中兴移动通信有限公司 Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication)
CN103366274A (en) * 2013-05-25 2013-10-23 中山市中商港科技有限公司 Hybrid e-commerce instant payment method

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104361492A (en) * 2014-11-05 2015-02-18 武汉天聪创意科技有限公司 Embedded electronic wallet and payment method thereof
CN107949861A (en) * 2015-07-02 2018-04-20 Asb银行有限公司 For the system, apparatus and method interacted with account
CN107949861B (en) * 2015-07-02 2023-01-24 Asb银行有限公司 System, device and method for interacting with an account
CN105093911A (en) * 2015-09-07 2015-11-25 浙江维尔科技股份有限公司 Intelligent watch
CN105093911B (en) * 2015-09-07 2017-11-10 浙江维尔科技股份有限公司 A kind of intelligent watch
CN109923545A (en) * 2017-09-13 2019-06-21 指纹卡有限公司 The method and apparatus for allowing to carry out the certification to the user of client device by secure communication channel based on biometric data
CN109923545B (en) * 2017-09-13 2022-03-08 指纹卡安娜卡敦知识产权有限公司 Method and device for enabling authentication of a user of a client device over a secure communication channel based on biometric data

Similar Documents

Publication Publication Date Title
US7992792B2 (en) Portable payment device
CN202004768U (en) Physical authentication device and dynamic token
CN103218646A (en) All-in-one digital mobile card and implementation method thereof
CN205003731U (en) Digital cash hardware wallet based on two interfaces IC -card
CN101276448A (en) Payment system and method performing trading with identification card including IC card
CN102136170A (en) Mobile payment device
CN103269326A (en) Safety equipment, multi-application system and safety method for ubiquitous networks
CN205644634U (en) ID card management system
CN201965698U (en) Mobile payment device
CN102611551A (en) Physical authentication method, physical authentication device, and dynamic password token
CN104272315A (en) Id authentication
CN101276447A (en) Payment system and method of electronic purse capable of loading multiple credit card and debit card
CN102810189A (en) Near field payment and payment completion confirming method for NFC (Near Field Communication) functional mobile phone
CN104036393A (en) Intelligent automatic fingerprint payment system
CN103761650A (en) Electronic purse for converting fingerprint information into personal identification code and converting method
CN103400267A (en) System and method for generating currency file, safety equipment, transaction system and method
CN101807424B (en) Multifunctional U disk and U disk system
CN104361492A (en) Embedded electronic wallet and payment method thereof
CN101136093A (en) Platform for payment gateways, whereby users are linked in real time to banking institutions
CN100543786C (en) A kind of stored value card and electronic money transfer method thereof
CN202548880U (en) USB key
CN202058254U (en) USB Key device with card reader function
CN106535082A (en) Method, device and system for processing data
KR20040089800A (en) E-commerce system and method using a mobile phone with radio-transmission memory card
CN201111272Y (en) Wireless finger print cashing machine

Legal Events

Date Code Title Description
C06 Publication
PB01 Publication
C10 Entry into substantive examination
SE01 Entry into force of request for substantive examination
RJ01 Rejection of invention patent application after publication
RJ01 Rejection of invention patent application after publication

Application publication date: 20140430