CN1779726A - Electronic clearing system and its operating method of mobile communication terminal - Google Patents
Electronic clearing system and its operating method of mobile communication terminal Download PDFInfo
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- CN1779726A CN1779726A CNA2005101091475A CN200510109147A CN1779726A CN 1779726 A CN1779726 A CN 1779726A CN A2005101091475 A CNA2005101091475 A CN A2005101091475A CN 200510109147 A CN200510109147 A CN 200510109147A CN 1779726 A CN1779726 A CN 1779726A
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- 238000010295 mobile communication Methods 0.000 title claims abstract description 104
- 238000011017 operating method Methods 0.000 title abstract 2
- 238000012790 confirmation Methods 0.000 claims abstract description 27
- 238000004891 communication Methods 0.000 claims description 38
- 238000000034 method Methods 0.000 claims description 20
- 210000001747 pupil Anatomy 0.000 claims description 12
- 210000003296 saliva Anatomy 0.000 claims description 8
- 230000005540 biological transmission Effects 0.000 claims description 3
- 230000001052 transient effect Effects 0.000 claims description 3
- 230000018199 S phase Effects 0.000 claims description 2
- 230000000694 effects Effects 0.000 abstract description 3
- 238000010586 diagram Methods 0.000 description 20
- 230000015572 biosynthetic process Effects 0.000 description 12
- 230000006870 function Effects 0.000 description 4
- 238000012795 verification Methods 0.000 description 3
- 230000008676 import Effects 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 230000019771 cognition Effects 0.000 description 1
- 238000012217 deletion Methods 0.000 description 1
- 230000037430 deletion Effects 0.000 description 1
- 238000000151 deposition Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/0716—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising a sensor or an interface to a sensor
- G06K19/0718—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising a sensor or an interface to a sensor the sensor being of the biometric kind, e.g. fingerprint sensors
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- 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
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Abstract
The invention relates to an electronic clearing system and its operating method of mobile communication terminal using Bio information, Whose structure consists of following parts: mobile communication terminal with mobile credit card for electronic clearance; credit transaction terminal which comparing the credit information and Bio information transmitted from the mobile communication terminal with the input Bio information to execute user confirmation for credit transaction; credit transaction server for confirming the transaction according to the confirmation requirement transmitted from the credit transaction terminal. The effect of the invention is characterized in that: The invention executes not only credit card confirmation but also user confirmation by using the inherent Bio information of each user, thereby preventing electronic clearance of illegal user generated by loss, theft, copy and so on of the mobile communication terminal, so that safety and facility can be greatly improved.
Description
Technical field
The present invention relates to the electronic clearing system and the method for operating thereof of mobile communication terminal, particularly relate to the electronic clearing system and the method for operating thereof of the mobile communication terminal that utilizes biological information.
Background technology
Recently, credit card is combined in the mobile credit card that carries out electronic accounting in the mobile communication terminal and is widely used.
General credit card is, has its usufructuary holder to guarantee by the payment at credit card issue place, cash-freely also can buy thing or acquisition the remuneration service is arranged, and can not have the transaction of savings by the depositing in of cash/device for dispensing and bank.
In addition, described credit card is preserved the credit information data, reads the data of described preservation when using card, and to the clearing of described credit card whether can affirmation determine whether trade confirmation.
But, mobile communication terminal with described credit card, for for the transaction with credit of electronic accounting, the more important thing is the affirmation of credit card than user's affirmation, particularly accept user's signature and confirm that user's step only is a form, so problem is the other non-processor method of disabled user's financial accident.
That is, described mobile communication terminal, the same if lose or when lending other people and using with general credit card, report the loss and apply for stopping using the step that waits without financial institution or card company, then there is the problem that can't limit the described credit card of use.
And, when described mobile communication terminal is duplicated use by other people, the credit information of the credit card that has in the mobile communication terminal also is replicated, thus the same with the financial accident of general credit card, exist the problem of not having the countermeasure scheme by disabled user's transaction with credit.
Particularly, described mobile communication terminal is by under the situation that other people duplicate, the user duplicates the fact and can't confirm described mobile communication terminal, so also can't be in advance financial institution or card company be reported the loss and apply for stopping using etc., also can't stop the disaster of using credit card to cause by the disabled user.
Summary of the invention
The present invention proposes for solving above-mentioned prior art problem, the object of the present invention is to provide a kind of electronic clearing system and method for operating thereof of utilizing the mobile communication terminal of biological information, the biological information that transmits mobile communication terminal with the transaction with credit terminal carries out user's affirmation, whether the proper user's of judgement cognition, the financial accident that advance preventing is caused by the disabled user.
For solving above-mentioned problem, the electronic clearing system of utilizing the mobile communication terminal of biological information of the present invention, it comprises following several sections: mobile communication terminal, transaction with credit terminal, transaction with credit server.Mobile communication terminal, it possesses the mobile credit card for electronic accounting; The transaction with credit terminal is compared with the biological information of being imported from credit information and biological information that described mobile communication terminal transmits, carries out the user for transaction with credit and confirms; The transaction with credit server according to the affirmation request that transmits from described transaction with credit terminal, is carried out trade confirmation.
Described mobile credit card is built-in or be installed in described mobile communication terminal separately, preserves to be used for the credit information of electronic accounting and user's biological information.
Described mobile communication terminal comprises following several sections:
Communication module is sent to described transaction with credit terminal with credit information and the biological information that is kept in the described mobile credit card with communication; Micro computer embodies the user interface that is used for electronic accounting.
Described biological information comprises data such as fingerprint, pupil, palmmprint (palm shaped), the shape of face, saliva or voice, is specific user and other other inherent data of user's phase region.
Described transaction with credit terminal comprises following several sections: the biological information sense part directly obtains the biological information that the user of electronic accounting is asked in input; Data are judging part relatively, compares from described mobile communication terminal biological information data that receive and the biological information data of importing from described biological information inductor, judges whether unanimity.
Described transaction with credit terminal also comprises following several sections: communication module, receive credit information and biological information data from described mobile communication terminal, and receive with described transaction with credit server and send data; Storer, temporary transient credit information and the biological information data that receive by described communication module of preserving; Control part is according to described data judgment result relatively, if the biological information data consistent is then carried out the clearing step according to transaction with credit, if inconsistent then be judged as the user who is not proper, the message of output refusal transaction with credit.
Described transaction with credit server comprises following several sections:
Communication module receives the transmission data with described transaction with credit terminal;
The credit confirmation unit to the credit information data that receive from described transaction with credit terminal by described communication module, confirms that whether are service limits, bad transaction, judge whether and can conclude the business;
Server controls portion generates the message of whether confirming according to the clearing of described credit confirmation unit, transmits to described transaction with credit terminal.
Described transaction with credit server also comprises following several sections: the biological information database, preserve being kept at the biological information data of the user in the described mobile credit card; Credit database is preserved the credit information to the user of described biological information; The transaction with credit database is preserved the electronic accounting structured data of confirming according to described credit confirmation unit.
Described mobile credit card is installed in described mobile communication terminal with the IC chip form.
In addition, the method of operating of the electronic clearing system of the mobile communication terminal that utilizes biological information of the present invention, comprise following several steps: step 1 when carrying out the transaction with credit request, is kept at the credit information of mobile communication terminal and the terminal that biological information is sent to transaction with credit; Step 2, directly the biological information of input is compared with the biological information of reception, carries out the user and confirms; Step 3, be judged as just when the user time, transmit credit information by the transaction with credit server, and carry out trade confirmation with electronic accounting.
Described step 1 comprises following several steps:
First step is presented as the user interface of the electronic accounting of mobile communication terminal;
Second step by described user interface, is sent to described transaction with credit terminal with credit information and the biological information that is kept in the mobile credit card.
Described step 2 comprises following several steps:
Third step by self possessing the biological information sense part in described transaction with credit terminal, is directly imported user's biological information;
The 4th step, the biological information data of described input compare with the biological information data that receive from described mobile communication terminal;
When the 5th step, described two biological information data consistents, be judged as proper user, send the credit information that receives to the transaction with credit server, refusal transaction with credit request when inconsistent.
Described step 3 comprises following several steps: the 6th step, and judging whether can be to the credit information electronic accounting that receives from described transaction with credit terminal; The 7th step is according to can electronic accounting whether judged result, with trade confirmation message or confirm that refuse information sends described transaction with credit terminal to.
Described the 6th step comprises: the credit information data that described transaction with credit server receives from database retrieval, confirm whether service limits, valid period, bad transaction wait, and can judgement electronic accounting.
According to electronic clearing system and the method for operating thereof of utilizing the mobile communication terminal of biological information of the present invention, not only carry out Card Verification, use each user's intrinsic biological information to carry out authentification of user, therefore can prevent the disabled user's that causes by the loss of described mobile communication terminal, transfer the possession of, duplicate etc. electronic accounting in advance, enhanced safety greatly, the effect of the convenience that extends one's service in addition.
Description of drawings
Fig. 1 is the pie graph according to the electronic clearing system of the mobile communication terminal that utilizes biological information of the present invention;
Fig. 2 a and Fig. 2 b are respectively the block diagram of diagram according to the mobile communication terminal formation of electronic clearing system of the present invention;
Fig. 3 is the block diagram of diagram according to the transaction with credit terminal formation of electronic clearing system of the present invention;
Fig. 4 is the block diagram of diagram according to the transaction with credit server of electronic clearing system of the present invention;
Fig. 5 is the precedence diagram of diagram according to the mobile credit card register method of electronic clearing system of the present invention;
Fig. 6 is the precedence diagram of diagram according to the transaction confirmation method of electronic clearing system of the present invention.
The symbol description of accompanying drawing major part:
10: mobile communication terminal 14: mobile credit card
20: transaction with credit terminal 22: data are judging part relatively
23: biological information sense part 30: the transaction with credit server
Embodiment
Describe embodiments of the invention with reference to the accompanying drawings in detail.Fig. 1 is the pie graph according to the electronic clearing system of the mobile communication terminal that utilizes biological information of the present invention, Fig. 2 a and Fig. 2 b block diagram that to be diagram constitute according to the mobile communication terminal of electronic clearing system of the present invention; Fig. 3 is the block diagram of diagram according to the transaction with credit terminal formation of electronic clearing system of the present invention, and Fig. 4 is the block diagram of diagram according to the transaction with credit server of electronic clearing system of the present invention.
According to the electronic clearing system of utilizing the mobile communication terminal of biological information of the present invention, as shown in Figure 1, comprise following several sections: mobile communication terminal 10, transaction with credit terminal 20, transaction with credit server 30.Mobile communication terminal 10, it has mobile credit card, can carry out electronic accounting; Transaction with credit terminal 20 receives the data that transmit from described mobile communication terminal 10, and the user who carries out described mobile communication terminal 10 confirms that request is according to the trade confirmation of clearing; Transaction with credit server 30 according to the trade confirmation request that receives from described transaction with credit terminal 20, is carried out clearing and is confirmed.
To preserve the mobile credit card of credit information built-in or be installed in separately in the described mobile communication terminal 10 for electronic accounting.
Described mobile credit card is issued the user who only limits to from financial institution's registration, and except that the credit information of preserving promising electronic accounting, also preserves described mobile communication terminal 10 users' biological information.
At this moment, described mobile credit card can be made of a certain size IC chip, not only can be installed in described mobile communication terminal or machines such as PDA, notebook computer, and can be by the morphosis of key chain and mobile phone chain etc.
Described biological information can use the data of fingerprint, pupil, the lines of the hand (palm shaped), the shape of face, saliva, voice etc. in order to distinguish specific user and other user, to have only the living volume data of the intrinsic information of specific user.
Described mobile communication terminal 10 and transaction with credit terminal 20 can receive by communication and send data, and mobile communication terminal 10 usefulness transaction with credit terminals 20 transmit the data of described mobile credit card, request transaction with credit.
Described transaction with credit terminal 20 is connected by wired or wireless LAN (Local Area Network)/internet N with described transaction with credit server 30, receives to send data.
Described transaction with credit terminal 20 is according to user's request, and the data that receive from described mobile communication terminal 10 send described transaction with credit server 30 to, and the message whether output is confirmed according to the clearing of described transaction with credit server 30 is carried out electronic accounting.
At this moment, described transaction with credit terminal 20 directly receives the input biological information from the user of request transaction with credit, compares with the biological information data that receive from described mobile communication terminal 10, judges whether it is proper user, carries out the user and confirms.
The clearing of 30 pairs of receptions of described transaction with credit server are confirmed to ask to read credit information, and judge whether and may settle accounts.Described transaction with credit server 30 is connected with the financial institution that provides described mobile credit card, preserves and manage registered user's credit information and biological information.
Below describe in detail, according to the formation of the electronic clearing system of the mobile communication terminal that utilizes biological information of the present invention.
Described mobile communication terminal 10 is shown in Fig. 2 a, and its formation comprises following several sections: keypad 15, display part 16, storer 12.Keypad 15, it possesses a plurality of buttons, input characters and numeral; Display part 16 is with the mode of operation of the described mobile communication terminals 10 of demonstration such as literal, image, picture; Storer 12 stores the program and the setting that are used to drive described mobile communication terminal 10.
In addition, the formation of described mobile communication terminal 10 comprises following several sections: communication module 13, and it carries out voice call and data communication; The described mobile credit card 14 that is used for electronic accounting; Micro computer 11 by the control of described keypad 15 and described display part 16, embodies the user interface that is used for electronic accounting.
At this moment, the described mobile credit card 14 provided of financial institution comprises: the credit information data 14a that is used for the sequence number, valid period, user profile etc. of the certain position of electronic accounting; Be registered in the biological information data 14b of the user's of described credit information fingerprint, pupil, palmmprint (palm shaped), the shape of face, saliva, voice etc.
Described micro computer 11 shows the menu that is used for electronic accounting according to the operation of keypad 15 by display part 16, has only the menu that is used for electronic accounting by described, could transmit the data of described mobile credit card 14.
And described micro computer 11 according to the operation of keypad 15, by described communication module 13, transmits described credit information data 14a and the biological information data 14b that is stored in the described mobile credit card 14 with communication on the electronic accounting menu.
At this moment, the formation of described communication module 13 comprises the wireless communication module of RF radio communication, infrared communication (IrDa), bluetooth etc.
And described micro computer 11 can be provided with the password to described electronic accounting, and is saved in the described storer 12.If breathe out during described electronic accounting menu, by described keypad 15 input passwords and relatively, limit other people use to described mobile communication terminal 10.
Another embodiment of described mobile communication terminal, shown in Fig. 2 b, its formation also comprises biological information inductor 17, uses same symbol, same title with the same formation of the embodiment shown in Fig. 2 a, omits its explanation at this.
At this moment, micro computer 11 is from biological information inductor 17 input biological informations and be saved in the storer 12, if during exhalation electronic accounting menu, obtain input user's biological information, compare with the data in being kept at described storer 12, the user who carries out described mobile communication terminal 10 confirms function.
At this moment, the biological information data 14b that is kept at mobile credit card 14 with, the data by described biological information inductor 17 inputs are different data with the biological information data that are kept at described storer 12.
Described biological information inductor 17 is built-in and be installed in separately in the described mobile communication terminal 10, and the biological information of identification fingerprint, pupil etc. is also carried out the user and confirmed function.
In addition, described transaction with credit terminal 20 is made of following several sections as shown in Figure 3: communication module 24 receives the transmission data with described mobile communication terminal 10 or with described transaction with credit server 30; Storer 25, temporary transient storage directly obtain the user's of input request electronic accounting biological information from the data biological information sense part 23 that described mobile communication terminal 10 receives.
And the formation of described transaction with credit terminal 20 also comprises: data are judging part 22 relatively, and relatively the biological information data judge whether unanimity; Control part 21 according to the judged result of described data comparison judging part 22, is carried out authentification of user, transmits data with described transaction with credit server 30.
The formation of described communication module 24 comprises: be used for receiving the RF radio communication that sends data, infrared communication, the wireless communication module of bluetooth etc. with described mobile communication terminal 10 usefulness communications; Be connected by wired or wireless with LAN (Local Area Network) or internet, carry out the wireless communication module that has that Data Receiving with described transaction with credit server 30 sends.
Behind the biological information of described biological information sense part 23 identification fingerprints, pupil, palmmprint (palm shaped), the shape of face, saliva or voice etc., convert this biological information to digital data input.
Described control part 21, by described communication module 24, be saved in the described storer 25 with the credit information data 14a of described mobile communication terminal and biological information data 14b with according to the user's of described biological information sense part 23 inputs biological information data, confirm that user's data is relatively judged and to above-mentioned transaction with credit server (30) transmit finish after i.e. deletion.
And described data comparison judging part 22 relatively is kept at the biological information data in the described storer 25, that directly import and the biological information data 14b of described reception, judges whether unanimity.
At this moment, if during above-mentioned two biological information data consistents, described control part 21 is by described communication module 24, and the described credit information data 14a that will be used for electronic accounting sends described transaction with credit server 30 to, and clearing are confirmed in request; If when inconsistent, then refuse information is confirmed in output.
Described transaction with credit server 30 as shown in Figure 4, its formation comprises: communication module 36, carry out to receive sending data with described transaction with credit terminal 20; Credit confirmation unit 32 is confirmed request to the clearing that receive by described communication module 36, judges that clearing whether may to be; Server controls portion 31 carries out electronic accounting according to the judged result of described credit confirmation unit 32, transmits electronic accounting and confirms or refuse information.
And described transaction with credit server 30 also comprises: transaction with credit database 33, preserve the electronic accounting transaction content of confirming according to described credit confirmation unit 32; Biological information database 34 is preserved the biological information data by the user of transaction with credit user registration; Credit database 35 is preserved described registered user's credit information.
Described transaction with credit server 30 is connected with financial institution by described communication module 36, the credit information and the biological information of the mobile credit card that will provide by described financial institution, be saved in described biological information database 34 and credit database 35, and manage.
Described biological information database 34 is preserved the same biological information data of biological information data in the mobile credit card with the user who is kept at described registration, the biological information data of also preserving fingerprint, pupil, palmmprint (palm shaped), the shape of face, saliva, voice etc.
And described credit database 35 and described biological information database 34 interlock management are preserved the credit information the data whether user's who is used for electronic accounting sequence number, valid period, service limits, bad transaction wait.
Described credit confirmation unit 32 is from described credit database 35 retrieval credit information data, described credit information data are to confirm request according to the clearing that receive from described transaction with credit terminal 20, and by valid period, service limits, whether bad transaction waits is background, judges that clearing whether may to be.
If described server controls portion 31 is judged as can settle accounts the time from described credit confirmation unit 32, be connected the execution electronic accounting with described financial institution, and this is saved in described transaction with credit database 33, transmit acknowledge message to described transaction with credit terminal 20, and settle accounts when confirming to be rejected, generate corresponding refuse information and transmit to described transaction with credit terminal 20.
Then, according to the electronic clearing system of utilizing the mobile communication terminal of biological information of the present invention, not only can carry out the validation verification of credit card, whether input is to compare with the biological information that is kept at mobile credit card just when user's biological information, carry out user's affirmation, just can prevent the financial transaction accident that causes by the disabled user.
Operation instructions of the present invention constituted as described is as follows.Fig. 5 is the precedence diagram of diagram according to the mobile credit card register method of electronic clearing system of the present invention, and Fig. 6 is the precedence diagram of diagram according to the transaction confirmation method of electronic clearing system of the present invention.
Step S1, user capture financial institution ask to provide the mobile credit card that is used for electronic accounting.
Step S2, input is used for the living volume data with other people other feature of phase region of having of authentification of user, as, the biological information data of user's fingerprint, pupil, palmmprint (palm shaped), the shape of face, saliva, voice etc.
At this moment, described biological information data-switching becomes numeral to preserve.
Step S3 is saved in mobile credit card with the biological information of described input and user's credit information, and registers to described mobile credit card.
The user's of registration credit information and biological information data are sent to the transaction with credit server and manage separately, when carrying out electronic accounting, are used as the data that clearing are confirmed.
Step S4, described financial institution provides described mobile credit card to the user, stores described credit information and biological information in the described mobile credit card.
When mobile communication terminal possessed mobile credit card build-in function, registration had described credit information and biological information in the built-in described mobile credit card, so could form the credit card granting.
And described mobile credit card is installed in the described mobile communication terminal separately with the form of IC chip or memory chip etc., uses and registration (step S5) by the user interface that possesses in described mobile communication terminal.
Built-in or that the transaction confirmation method of electronic clearing system of mobile communication terminal of described mobile credit card is installed separately is as follows:
Step S11 buys article or utilizes under the situation of service, and request possesses the transaction with credit of mobile credit card of the mobile communication terminal of electronic accounting.
Step S12, be embodied in the described mobile communication terminal, show the electronic accounting menu by the user interface that is used for electronic accounting,, credit information and the biological information data that are kept in the described mobile credit card are sent to the transaction with credit terminal according to user's button operation.
At this moment, described mobile communication terminal sends data through separately security personnel's process by described electronic accounting menu, and input is compared by the password that the literal or the numeral of a definite sequence constitutes, and transmits described credit information and biological information data.
And, when described mobile communication terminal possesses separately biological information inductor, compare with the data that in described mobile communication terminal, stored by the biological information data of described biological information inductor perception, if consistent, the information of can carrying out transmits.
At this moment, the data of the biological information inductor input by possessing in the described mobile communication terminal, with the biological information data that are kept at described mobile credit card, be different biological information data, be the data of carrying out same function with the password of the described electronic accounting menu that is used to breathe out.
For example, possesses Fingerprint Identification Unit in the described mobile communication terminal, exhalation electronic accounting menu or when producing the control command that actual figure reportedly send, export fingerprint input message before carrying out this, input user's fingerprint, relatively judge whether same with the data that stored, only under the situation of unanimity, could carry out control command.
Step S13 is asked the transaction with credit terminal of electronic accounting, from described mobile communication terminal, receives credit information and biological information data by communication.
At this moment, described communication can use communication modes such as RF radio communication, infrared communication, bluetooth.
Described transaction with credit terminal temporarily is stored into the credit information that receives and biological information data in the storer that inside possesses.
For carrying out authentification of user, directly import biological information from the user who asks transaction with credit.
Step S14, the biological information sense part that described transaction with credit terminal possesses by self is directly imported the biological information data of user's fingerprint, pupil, palmmprint (palm shaped), the shape of face, saliva, voice etc.
Step S15, described transaction with credit terminal judges whether the biological information data of above-mentioned direct input and the biological information data that receive from described mobile communication terminal are same, whether carry out authentification of user according to the unanimity of data.
For example, when possessing the pupil recognizer, user's pupil data and the biological information data that receive from described mobile communication terminal are compared, whether the unanimity of judgement pupil data.
Step S16, when the biological information data of described reception and the biological information data of directly importing were inconsistent, the message of described transaction with credit terminal output refusal transaction with credit informed that the user is owing to not being the notice that same user refuses to conclude the business.
During described two biological information data consistents, fulfil the transaction with credit step that is used for electronic accounting, send the credit information data that are kept in the described storer to the transaction with credit server, (step S17, step S18) confirmed in the request clearing.
At this moment, described transaction with credit terminal by having/the wireless described transaction with credit server of LAN (Local Area Network)/Internet connection, is carried out Data Receiving and is sent.
Described transaction with credit server receives clearing affirmation request and the credit information data that receive from described transaction with credit terminal.
Step S19, the credit information data of the described reception of retrieval in described transaction with credit data in server storehouse, whether Transaction Information, the service limits of confirming relative users surpasses, the valid period through whether, bad transaction whether, whether can judgement settle accounts validity.
Step S20, the credit information data of described transaction with credit server to receiving, the credit information that surpasses service limits or stopped by the transaction that bad transaction causes produces the message that refusal is confirmed.
And, the described credit information of described transaction with credit server to receiving, during normal conditions such as service limits, valid period, electronic accounting can be settled accounts and confirm to judgement, then carries out and settle accounts step (step S21) therewith accordingly.
Step S22, described credit information server sends described transaction with credit terminal to, to the message data of confirming that number, dealing money, trading object and user's data or refusal are confirmed.
Described transaction with credit terminal is exported to the outside, from the affirmation or the refusal acknowledge message of described transaction with credit server reception.
As above constituted according to electronic clearing system and the method for operating thereof of utilizing the mobile communication terminal of biological information of the present invention, not only carry out Card Verification, use each user's intrinsic biological information to carry out authentification of user, therefore can prevent the disabled user's that causes by the loss of described mobile communication terminal, transfer the possession of, duplicate etc. electronic accounting in advance, enhanced safety greatly, the effect of the convenience that extends one's service in addition.
As above with reference to shown in description of drawings according to electronic clearing system and the method for operating thereof of utilizing the mobile communication terminal of biological information of the present invention; embodiment that illustrates in the instructions and accompanying drawing only are used to illustrate the present invention; but not being used to limit the present invention, the present invention can be applied within the technological thought protection domain.
Claims (14)
1. utilize the electronic clearing system of the mobile communication terminal of biological information, it is characterized in that comprising following several sections:
Mobile communication terminal, it possesses the mobile credit card for electronic accounting;
The transaction with credit terminal is compared with the biological information of being imported from credit information and biological information that described mobile communication terminal transmits, carries out the user for transaction with credit and confirms;
The transaction with credit server according to the affirmation request that transmits from described transaction with credit terminal, is carried out trade confirmation.
2. the electronic clearing system of utilizing the mobile communication terminal of biological information according to claim 1, it is characterized in that: described mobile credit card is built-in or be installed in described mobile communication terminal separately, preserves to be used for the credit information of electronic accounting and user's biological information.
3. the electronic clearing system of utilizing the mobile communication terminal of biological information according to claim 1 is characterized in that described mobile communication terminal, comprises following several sections:
Communication module is sent to described transaction with credit terminal with credit information and the biological information that is kept in the described mobile credit card with communication;
Micro computer embodies the user interface that is used for electronic accounting.
4. the electronic clearing system of utilizing the mobile communication terminal of biological information according to claim 1 is characterized in that:
Described biological information comprises fingerprint, pupil, palmmprint, the shape of face, saliva, voice, is specific user and other other inherent data of user's phase region.
5. the electronic clearing system of utilizing the mobile communication terminal of biological information according to claim 1 is characterized in that described transaction with credit terminal, comprises following several sections:
The biological information sense part directly obtains the biological information that the user of electronic accounting is asked in input;
Data are judging part relatively, compares from described mobile communication terminal biological information data that receive and the biological information data of importing from described biological information inductor, judges whether unanimity.
6. the electronic clearing system of utilizing the mobile communication terminal of biological information according to claim 5 is characterized in that described transaction with credit terminal, also comprises following several sections:
Communication module receives credit information and biological information data from described mobile communication terminal, receives with described transaction with credit server and sends data;
Storer, temporary transient credit information and the biological information data that receive by described communication module of preserving;
Control part is according to described data judgment result relatively, if the biological information data consistent is then carried out the clearing step according to transaction with credit, if inconsistent then be judged as the user who is not proper, the message of output refusal transaction with credit.
7. the electronic clearing system of utilizing the mobile communication terminal of biological information according to claim 1 is characterized in that described transaction with credit server, comprises following several sections:
Communication module receives the transmission data with described transaction with credit terminal;
The credit confirmation unit to the credit information data that receive from described transaction with credit terminal by described communication module, confirms that whether are service limits, bad transaction, judge whether and can conclude the business;
Server controls portion, the message according to whether the judged result generation clearing of described credit confirmation unit are confirmed transmits to described transaction with credit terminal.
8. the electronic clearing system of utilizing the mobile communication terminal of biological information according to claim 7 is characterized in that described transaction with credit server, also comprises following several sections:
The biological information database is preserved being kept at the biological information data of the user in the described mobile credit card;
Credit database is preserved the credit information to the user of described biological information;
The transaction with credit database is preserved the electronic accounting structured data of confirming according to described credit confirmation unit.
9. the electronic clearing system of utilizing the mobile communication terminal of biological information according to claim 2 is characterized in that, described mobile credit card is installed in described mobile communication terminal with the IC chip form.
10. utilize the method for operating of electronic clearing system of the mobile communication terminal of biological information, its feature comprises following several steps:
Step 1 when carrying out the transaction with credit request, is kept at the credit information of mobile communication terminal and the terminal that biological information is sent to transaction with credit;
Step 2, directly the biological information of input is compared with the biological information of reception, carries out the user and confirms;
Step 3, be judged as just when the user time, transmit credit information by the transaction with credit server, and carry out trade confirmation with electronic accounting.
11. the method for operating of the electronic clearing system of the mobile communication terminal that utilizes biological information according to claim 10 is characterized in that described step 1, comprises following several steps:
First step is presented as the user interface of the electronic accounting of mobile communication terminal;
Second step by described user interface, is sent to described transaction with credit terminal with credit information and the biological information that is kept in the mobile credit card.
12. the method for operating of the electronic clearing system of the mobile communication terminal that utilizes biological information according to claim 10 is characterized in that described step 2, comprises following several steps:
Third step by self possessing the biological information sense part in described transaction with credit terminal, is directly imported user's biological information;
The 4th step, the biological information data of described input compare with the biological information data that receive from described mobile communication terminal;
When the 5th step, described two biological information data consistents, be judged as proper user, send the credit information that receives to the transaction with credit server, refusal transaction with credit request when inconsistent.
13. the method for operating of the electronic clearing system of the mobile communication terminal that utilizes biological information according to claim 10 is characterized in that described step 3, comprises following several steps:
The 6th step, judging whether can be to the credit information electronic accounting that receives from described transaction with credit terminal;
The 7th step is according to can electronic accounting whether judged result, with trade confirmation message or confirm that refuse information sends described transaction with credit terminal to.
14. the method for operating of the electronic clearing system of the mobile communication terminal that utilizes biological information according to claim 13 is characterized in that described the 6th step comprises:
The credit information data that described transaction with credit server receives from database retrieval confirm whether service limits, valid period, bad transaction wait, and can judgement electronic accounting.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020040096513A KR20060057369A (en) | 2004-11-23 | 2004-11-23 | Electronic payment system with mobile communication terminal using a living body informations and its operating method |
| KR1020040096513 | 2004-11-23 |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN1779726A true CN1779726A (en) | 2006-05-31 |
| CN100456332C CN100456332C (en) | 2009-01-28 |
Family
ID=36770041
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNB2005101091475A Expired - Fee Related CN100456332C (en) | 2004-11-23 | 2005-10-18 | Electronic clearing system and its operating method of mobile communication terminal |
Country Status (2)
| Country | Link |
|---|---|
| KR (1) | KR20060057369A (en) |
| CN (1) | CN100456332C (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102314731A (en) * | 2010-07-06 | 2012-01-11 | 中国银联股份有限公司 | Mobile payment method and equipment for implementing same |
| CN102044099B (en) * | 2009-10-21 | 2013-03-20 | 张小鹏 | Universal identity representation and operation control system |
| CN104732389A (en) * | 2015-03-27 | 2015-06-24 | 白羽 | Credit card settlement method adopting organism authentication terminal |
Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100866839B1 (en) * | 2007-05-15 | 2008-11-04 | 이바도 | Transaction authentication system using a wireless telecommunication device |
| US8485442B2 (en) | 2009-07-02 | 2013-07-16 | Biometric Payment Solutions | Electronic transaction verification system with biometric authentication |
| KR101455609B1 (en) * | 2012-09-25 | 2014-10-28 | 주식회사 이리언스 | Payment system and method using iris information |
| KR102433323B1 (en) | 2020-05-25 | 2022-08-19 | (주)이매지니어스 | Electronic commercial system for providing authentication means using biometric information and virtual fitting service based on augmented reality and method thereof |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7152045B2 (en) * | 1994-11-28 | 2006-12-19 | Indivos Corporation | Tokenless identification system for authorization of electronic transactions and electronic transmissions |
| JP4211193B2 (en) * | 2000-04-28 | 2009-01-21 | カシオ計算機株式会社 | Personal authentication device in network |
| JP4727065B2 (en) * | 2000-05-11 | 2011-07-20 | 株式会社半導体エネルギー研究所 | Authentication apparatus and communication system |
| EP1172771B1 (en) * | 2000-07-14 | 2006-04-19 | Voice.Trust Ag | Process and system for authorising a commercial transaction |
| CN100349486C (en) * | 2000-12-11 | 2007-11-14 | 陆征军 | Hand set and its application |
| CN2456405Y (en) * | 2001-01-09 | 2001-10-24 | 李振华 | Finger-print mobile telephone |
| CN1514635A (en) * | 2003-04-29 | 2004-07-21 | 叶丰平 | Method of realizing mobile electronic business using finger print intelligence terminal and intelligent hand set |
-
2004
- 2004-11-23 KR KR1020040096513A patent/KR20060057369A/en not_active Application Discontinuation
-
2005
- 2005-10-18 CN CNB2005101091475A patent/CN100456332C/en not_active Expired - Fee Related
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102044099B (en) * | 2009-10-21 | 2013-03-20 | 张小鹏 | Universal identity representation and operation control system |
| CN102314731A (en) * | 2010-07-06 | 2012-01-11 | 中国银联股份有限公司 | Mobile payment method and equipment for implementing same |
| CN104732389A (en) * | 2015-03-27 | 2015-06-24 | 白羽 | Credit card settlement method adopting organism authentication terminal |
| CN104732389B (en) * | 2015-03-27 | 2018-02-09 | 吉林无罔生物识别科技有限公司 | A kind of credit card payment method using organism authentication terminal |
Also Published As
| Publication number | Publication date |
|---|---|
| CN100456332C (en) | 2009-01-28 |
| KR20060057369A (en) | 2006-05-26 |
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