CN1403996A - Application method of fingerprint recognition in confirming identifying of financial card and credit card holder - Google Patents
Application method of fingerprint recognition in confirming identifying of financial card and credit card holder Download PDFInfo
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- CN1403996A CN1403996A CN 01123672 CN01123672A CN1403996A CN 1403996 A CN1403996 A CN 1403996A CN 01123672 CN01123672 CN 01123672 CN 01123672 A CN01123672 A CN 01123672A CN 1403996 A CN1403996 A CN 1403996A
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- fingerprint
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- fiscard
- credit card
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Abstract
The present invention is the method of applying fingerprint recognition in confirming identity of financial card and credit card holder. The unique fingerprint is stored into the magnetic bar or IC chip of financial card and credit card. By means of the fingerprint recognition in financial card fingerprint cashomat and credit card fingerprint reader and the comparison to fingerprint to the card holder, the identity of the card applicant and the card holder is confirmed to ensure the financial safety.
Description
Technical field
The present invention relates to the method that a kind of identification of fingerprint is applied to the personal identification of fiscard and credit card.
Background technology
Using fiscard and credit card has been the important tool of individual economic activity, because the whole continuous running of Global finance, use fiscard to claim local cash at the cash machine of local all fiscard cash machines and other national appointments, and use credit card each appointed store's signature to consume in the world, also therefore active global economic activity, but because this cash machine is recognized card and password can not recognized people, so in case the individual is under unwitting situation or be not intended to make fiscard and password stolen, further cause individual and bank all to sustain a loss, and credit card is more serious, credit card is signed the bill does not need password, as long as signature, again because credit card is general in the extreme, generally the personnel of checking out do not have professional training, signature also has no time carefully to check, therefore stolen brush situation is more serious, even occurs being stuck on the aircraft or other can't confirm continuously immediately that the robber of the card true and false brushes criminal offence with vacation, so thereby worried by the user;
In addition, along with Internet electronic transaction day is more popularized, the authentication safety problem that is involved more and more highlights its importance, its traditional password can take place stolen, can not satisfy the needs of security mechanism, the biological characteristic identification technology that therefore possesses " unique not replacing " property is arisen at the historic moment;
Prior biological feature identification technology comprises DNA, iris, fingerprint, face, vocal print etc., though the above two discrimination powers are good, but cost of development height, other identification techniques are then in response to the required commercialization gradually in market, but various biological characteristic identification technology are then because of factor affecting such as storage volume, feature point extraction, discrimination power, hardware costs, so also each tool relative merits at aspects such as application portability, technology maturities, wherein:
With the hardware relevant device, face recognition needs digital still camera, prism, equipment such as light source cooperate, and fingerprint identifier only needs the inductor of a cheapness, sound-groove identification only needs a microphone, by contrast, the face recognition cost just can't significantly reduce, and aspect storage volume, the face feature value is 1000Byte, fingerprint characteristic value is 300Byte, the vocal print eigenwert is 100Byte, with regard to using, the identification of face feature value just can't be stored in the credit card magnetic stripe, add that storage volume is big, transmission speed is slow in the network electronic trade process, and required computer grade is also higher, again for the application of ecommerce, not convenient in the use, all reduced consumer's use wish;
Moreover, with identification effect, face recognition is subjected to angle, light source, face's ornament disturbing effect is quite big, there is not similar problem unlike fingerprint, and fingerprint is more in the acquisition of unique point than face and vocal print, so discrimination power is higher, and there are ten fingers to select for use arbitrarily, have more protection for the user, and fingerprint possesses legal effect and technology maturity is higher, neither other biological characteristic identification technology can reach the security system of this fingerprint characteristic identification technique, the convenient again mechanism of using of safety must be more flourish in world-wide web and trade financing transaction.
Summary of the invention
Because above-mentioned other biological feature identification technology is because of factor affecting such as storage volume, feature point extraction, discrimination power, hardware costs, and the shortcoming that has at aspects such as application portability, technology maturity, hardware device, costs, the inventor makes the present invention be born by means of itself being engaged in the relevant industries many years of experience, reaching and constantly ponder over research finally.
The present invention is achieved through the following technical solutions for addressing the above problem:
A kind of identification of fingerprint is applied to the method for the personal identification of fiscard and credit card, it is characterized in that: this method is when fiscard and credit card application, obtain individual fingerprint data simultaneously, and fingerprint data encrypted deposit the magnetic stripe of card or the assigned address on the IC wafer in the lump in, and go up the former individual fingerprint data that stays via the identification of fingerprint of fiscard fingerprint cash machine and credit card fingerprint card reader and contrast card, with the people that confirms to use at present card card original application people's mechanism whether, and the identity when confirming that the individual is following and using card, wherein:
The method step that this identification of fingerprint is applied to fiscard comprises:
A, individual, also will press in a fingerprint form by more than one fingerprint data except that the form that originally should fill in to the application that bank proposes the fingerprint fiscard;
B is if the frequent customer, and bank can require the user to push the fingerprint form or otherwise obtain actual individual fingerprint data to bank counter once more;
Individual basic document is carefully checked at C, bank finance card center, determines applicant's identity, and about 300 bits of the fingerprint characteristic data in the fingerprint form are encrypted, and deposits the magnetic stripe of fiscard or the assigned address in the IC wafer in specified format;
D, bank dispatch fiscard to a staff;
E, individual open card according to indication;
F, the bank fingerprint fiscard cash machine of establishing in a wide range perhaps installs fingerprint identifier additional and revises software on former fiscard cash machine;
G, all fiscards are replaced by the fingerprint fiscard, and all cash machines add and dress up the identification of fingerprint cash machine, guarantee that drawing person must be application card litigant;
The method that this identification of fingerprint is applied to credit card comprises:
A, individual, also will press in a fingerprint form by more than one fingerprint data except that the form that originally should fill in to the application that bank proposes fingerprint credit card;
B is if the frequent customer, and bank can require the user to push the fingerprint form or otherwise obtain actual individual fingerprint data to bank counter once more;
Individual basic document is carefully checked at C, bank card hair fastener center, determines applicant's identity, and about 300 bits of the fingerprint characteristic data in the fingerprint form are encrypted, and deposits the magnetic head of credit card or the assigned address in the IC wafer in specified format;
Credit card is dispatched to a staff in D, bank card hair fastener center;
E, individual open card according to indication;
F, each credit card contractor adopt credit card identification of fingerprint card reader in a large number, and the holder consumes to the shop when swiping the card, and push fingerprint without exception and check out, and after identification of fingerprint passes through, then check out and finish;
G, all credits card are replaced by fingerprint credit card, and all contractors adopt credit card identification of fingerprint card reader.
Wherein, fiscard contains the magnetic stripe of the fingerprint data that deposits individual encryption in or IC formula or mechanism that both have concurrently.
Wherein, credit card contains the magnetic stripe of the fingerprint data that deposits individual encryption in or IC formula or mechanism that both have concurrently.
Wherein, fiscard or credit card cash machine add fingerprint identifier.
Wherein, credit-card reader adds fingerprint identifier.
For making the present invention show its progressive and practicality more, now its advantage is listed below:
1, be recognized as one of numerical digit biological characteristic identification (as identifications such as vocal print, pupil, looks, DNA) method, simultaneously, identification of fingerprint has legal sanction concurrently and renders a service, and can confirm whether be the litigant can not smear the foundation that subtracts.
2, fingerprint feature point possesses speciality, the identification technique of passing through fingerprint feature point and the coding techniques of fingerprint feature point of " ten thousand people's differences, throughout one's life constant ", can stop fingerprint and forge, and exempts the danger that the user is engaged in business transaction.
3, fingerprint scanner is after for many years, and with cheapness as a thin paper, and the authentication demand of network increases day by day, and the fingerprint authentication web will be ignited infinite commercial opportunities.
4, the convenient again mechanism of using of safety is more flourish in international network and trade financing transaction.
5, with low cost, and the practicality height.
For making the convenient understanding of your auditor feature of the present invention and advantage, now enumerate specific embodiment, conjunction with figs. of the present invention is described in detail as follows:
Description of drawings
Fig. 1 is a system architecture diagram of the present invention;
Fig. 2 is another system architecture diagram of the present invention;
Fig. 3 is implementing procedure figure of the present invention;
Fig. 4 is another implementing procedure figure of the present invention.
Embodiment
The present invention is the identification of fingerprint method that compares acquire full legal force in the applying biological identification science and technology, when fiscard and credit card application, obtain individual fingerprint data simultaneously, and fingerprint data encrypted deposit the magnetic stripe of card or the assigned address on the IC wafer in the lump in, the usefulness of the identity validation when using card as the individual is following, as Fig. 3, and shown in Figure 4, wherein:
1, fiscard:
A, individual application to bank's proposition fingerprint fiscard except that the form that originally should fill in, also will be pressed in a fingerprint form by more than one fingerprint data 5, because the Bank Account Number application must in propria persona be shown up, the fingerprint data of gained can not faked.
B is if old client, and bank can require the user to push the fingerprint form or alternate manner is obtained actual individual fingerprint data 6 to bank counter once more.
Individual basic document is carefully checked at C, bank finance card center, to determine applicant's identity, about 300 bits of the fingerprint characteristic data in the fingerprint form is encrypted, and deposits the magnetic stripe of fiscard or the assigned address 7 in the IC wafer in specified format.
D, bank dispatch fiscard to the staff 8.
E, individual open card 9 according to indication.
F, the bank fingerprint fiscard cash machine of establishing in a wide range, perhaps on former fiscard cash machine, install fingerprint identifier additional and revise software 10, if the user is to there not being identification of fingerprint cash machine place to withdraw deposit, then according to withdrawing deposit toward example input password, if fingerprint cash machine, then withdraw deposit with identification of fingerprint without exception, save the password process of import.
G, all fiscards have been replaced by the fingerprint fiscard, and all cash machines have added and have dressed up identification of fingerprint cash machine 11, as shown in Figure 1, all users 1 all need not input password when withdrawing deposit, and after this fingerprint identifier 2 authentications success, and can claim cash, and guaranteed that drawing person must be application card litigant by cash machine 3.
2, credit card:
A, individual propose the application of fingerprint credit card to bank, except that the form that originally should fill in, also in a fingerprint form, press by more than one fingerprint data 12, if the personal fingerprint fiscard that this row is arranged, bank also will possess individual fingerprint data, and individual fingerprint data can't be faked.
B is if old client, and bank can require the user to push the fingerprint form or other modes obtain actual individual fingerprint data 13 to bank counter once more.
Individual basic document is carefully checked at C, bank card hair fastener center, to determine applicant's identity, about 300 bits of the fingerprint characteristic data in the fingerprint form is encrypted, and deposits the magnetic head of credit card or the assigned address 14 in the IC wafer in specified format.
Credit card is dispatched to the staff 15 in D, bank card hair fastener center.
E, individual open card 16 according to indication.
F, each credit card contractor adopt credit card identification of fingerprint card reader in a large number, the holder consumes when swiping the card to the shop, having pushed fingerprint without exception checks out, after identification of fingerprint passes through, then check out and finish 17, if not fingerprint credit card, perhaps shop faithlessness card identification of fingerprint card reader then remains signature and handles.
G, all credits card have been replaced by fingerprint credit card, and all contractors have adopted credit card identification of fingerprint card reader 18, as shown in Figure 2, all users 1 are when contractor consumes, all do not need signature authentication when swiping the card, and after this fingerprint identifier 2 authentications success, and can finish consumption by card reader 4, then credit card issuing bank, holder and contractor etc. worry no longer that all credit card is emitted brush, steals brush.
The present invention is a uniqueness of using individual fingerprint, individual fingerprint data is deposited in the magnetic stripe or IC wafer of fiscard and credit card, and go up the former individual fingerprint data that stays via the identification of fingerprint of fiscard fingerprint cash machine and credit card fingerprint card reader and contrast card, to confirm that using the people of card at present promptly is card original application people's mechanism, to guarantee personal finance safety and to avoid bank and individual suffering because of the stolen loss of card.
In sum, the present invention has met the application condition of patent of invention really, now files an application in accordance with the law, earnestly asks your auditor and authorizes early, will be deeply grateful.
Claims (5)
1, a kind of identification of fingerprint is applied to the method for the personal identification of fiscard and credit card, it is characterized in that: this method is when fiscard and credit card application, obtain individual fingerprint data simultaneously, and fingerprint data encrypted deposit the magnetic stripe of card or the assigned address on the IC wafer in the lump in, and go up the former individual fingerprint data that stays via the identification of fingerprint of fiscard fingerprint cash machine and credit card fingerprint card reader and contrast card, with the people that confirms to use at present card card original application people's mechanism whether, and the identity when confirming that the individual is following and using card, wherein:
The method step that this identification of fingerprint is applied to fiscard comprises:
A, individual, also will press in a fingerprint form by more than one fingerprint data except that the form that originally should fill in to the application that bank proposes the fingerprint fiscard;
B is if the frequent customer, and bank can require the user to push the fingerprint form or otherwise obtain actual individual fingerprint data to bank counter once more;
Individual basic document is carefully checked at C, bank finance card center, determines applicant's identity, and about 300 bits of the fingerprint characteristic data in the fingerprint form are encrypted, and deposits the magnetic stripe of fiscard or the assigned address in the IC wafer in specified format;
D, bank dispatch fiscard to a staff;
E, individual open card according to indication;
F, the bank fingerprint fiscard cash machine of establishing in a wide range perhaps installs fingerprint identifier additional and revises software on former fiscard cash machine;
G, all fiscards are replaced by the fingerprint fiscard, and all cash machines add and dress up the identification of fingerprint cash machine, guarantee that drawing person must be application card litigant;
The method that this identification of fingerprint is applied to credit card comprises:
A, individual, also will press in a fingerprint form by more than one fingerprint data except that the form that originally should fill in to the application that bank proposes fingerprint credit card;
B is if the frequent customer, and bank can require the user to push the fingerprint form or otherwise obtain actual individual fingerprint data to bank counter once more;
Individual basic document is carefully checked at C, bank card hair fastener center, determines applicant's identity, and about 300 bits of the fingerprint characteristic data in the fingerprint form are encrypted, and deposits the magnetic head of credit card or the assigned address in the IC wafer in specified format;
Credit card is dispatched to a staff in D, bank card hair fastener center;
E, individual open card according to indication;
F, each credit card contractor adopt credit card identification of fingerprint card reader in a large number, and the holder consumes to the shop when swiping the card, and push fingerprint without exception and check out, and after identification of fingerprint passes through, then check out and finish;
G, all credits card are replaced by fingerprint credit card, and all contractors adopt credit card identification of fingerprint card reader.
2, identification of fingerprint according to claim 1 is applied to the method for the personal identification of fiscard and credit card, it is characterized in that: fiscard contains the magnetic stripe of the fingerprint data that deposits individual encryption in or IC formula or mechanism that both have concurrently.
3, identification of fingerprint according to claim 1 is applied to the method for the personal identification of fiscard and credit card, it is characterized in that: credit card contains the magnetic stripe of the fingerprint data that deposits individual encryption in or IC formula or mechanism that both have concurrently.
4, identification of fingerprint according to claim 1 is applied to the method for the personal identification of fiscard and credit card, it is characterized in that: fiscard or credit card cash machine add fingerprint identifier.
5, identification of fingerprint according to claim 1 is applied to the method for the personal identification of fiscard and credit card, it is characterized in that: credit-card reader adds fingerprint identifier.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01123672 CN1403996A (en) | 2001-09-03 | 2001-09-03 | Application method of fingerprint recognition in confirming identifying of financial card and credit card holder |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 01123672 CN1403996A (en) | 2001-09-03 | 2001-09-03 | Application method of fingerprint recognition in confirming identifying of financial card and credit card holder |
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| Publication Number | Publication Date |
|---|---|
| CN1403996A true CN1403996A (en) | 2003-03-19 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 01123672 Pending CN1403996A (en) | 2001-09-03 | 2001-09-03 | Application method of fingerprint recognition in confirming identifying of financial card and credit card holder |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100423031C (en) * | 2005-04-28 | 2008-10-01 | 杨红光 | A bank card and method for making transaction with bank card and system thereof |
| CN102890773A (en) * | 2011-07-21 | 2013-01-23 | 常熟安智生物识别技术有限公司 | Membership system-based palm vein identification system |
| US9235698B2 (en) | 2013-08-30 | 2016-01-12 | Cylon Global Technology Inc. | Data encryption and smartcard storing encrypted data |
| US9330511B2 (en) | 2013-08-30 | 2016-05-03 | Cylon Global Technology Inc. | Apparatus and methods for identity verification |
| TWI698799B (en) * | 2019-04-16 | 2020-07-11 | 林武旭 | Batteryless Electronic Trading Card |
-
2001
- 2001-09-03 CN CN 01123672 patent/CN1403996A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN100423031C (en) * | 2005-04-28 | 2008-10-01 | 杨红光 | A bank card and method for making transaction with bank card and system thereof |
| CN102890773A (en) * | 2011-07-21 | 2013-01-23 | 常熟安智生物识别技术有限公司 | Membership system-based palm vein identification system |
| US9235698B2 (en) | 2013-08-30 | 2016-01-12 | Cylon Global Technology Inc. | Data encryption and smartcard storing encrypted data |
| US9330511B2 (en) | 2013-08-30 | 2016-05-03 | Cylon Global Technology Inc. | Apparatus and methods for identity verification |
| US9704312B2 (en) | 2013-08-30 | 2017-07-11 | Cylon Global Technology Inc. | Apparatus and methods for identity verification |
| TWI698799B (en) * | 2019-04-16 | 2020-07-11 | 林武旭 | Batteryless Electronic Trading Card |
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