TW200842743A - Electrical mobile apparatus and method for electronic transactions - Google Patents
Electrical mobile apparatus and method for electronic transactions Download PDFInfo
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200842743 九、發明說明: 【發明所屬之技術領域】 本發明係關於-種可與-銷售點(Point of s 統’進行—電子交易之行動襄置及其電子交易方法22糸 =於-種利職紋以啟動—電子交易之行動裝置及其電田子也^兄易 【先前技術】 隨著科技的快速發展’電子行動震置,例如 現代人生活中不可或缺的物品,它已土為了 離,也提供了更多便利的功能,例如聰隨的距 用卡:由於信用卡的出現,人們出門時便 利性:. ’也增加了經濟行為上的便 德現t主要的信用卡交易流程為:將信用卡先刷過传用卡括+ 用卡交易流^在2個個交易流程。現今的信 者等待的時間過長,同時,在等待_程中, 了遺失及被盜用的風險。 社財如此更增加 以人電腦安全問題越來越受重視,捨棄密碼、回歸 生物辨識技術乃運技術」已成—股新浪潮。 魏細卡織賴名之架構, 200842743 综上所述,在習知的信用卡的交易流程中,依然存在有完成 交易時間過長及信用卡遺失及被盜用的風險。因此如何結合手機 與Ί5用卡,這兩樣現代人身上必備的物品,以使整個信用卡的交 易流程所耗費之時間縮短,並降低信用卡遺失及被盜^的風險^ 進而產生一種新的信用卡交易機制,乃是業界仍然需要努力 的目標。 、 【發明内容】 ,發明之-目祕提供-觀子行練置,無線連接至 售點(Pomt of Sale)資訊管理系統,以進行一電子交易。 為 ,,置包含-娜模組、—記麵組、—處賴組二蛾J 易模組。該擷取模組用以擷取—使用者之—指紋 紋:模f用以處理該所擷取之指 徵係對應至该至少-註冊指紋特徵 特 费認證交易密碼以得一選定認證交易宓、乂解始、该加 交易模組用以儲存至少一電子作用用卡代碼。該認證 用以因應該選定認證交易密碼,擷取i該以電易模組 送該至少-電子信用卡基4二=:理=用《傳 銷售點資訊管理魏’無線連接至--摘取獅、-處理·電子行姆置包含: 取和紋特徵。_交易模組用以儲存至少 200842743 特根據—合法使用者之-指紋預先產生 該認證交易模組用以儲存至少—電 :立 用以傳送該至少-二 易模組用關_擷取指紋特徵係Hit 交 徵,以及該認證$县掇細用以傳送該至 ° 至該銷售點資訊管理系統。 電子<吕 銷售點資訊管理系統,以進行_電 ,無綠連, -擷取模組、-記賴組、_處=j。,子行練置包含 Π 理拉組及一認證交易模組。該擷 ί!ί,ϋ目的係提供—種電子行動裝置,無線連接至— 行動裝置包含 旦〜η /、至少—電子信用卡身分資訊、至少-加穷切蛾六 易袷碼及至少一加密電子信用卡代碼,Α 山―立人 特徵係根據-合法使用者之先產註冊指紋 理該所擷取之指妗,w4 ^ 該處理核組用以處 取模組用以擷取一使用者之一沪妗.兮二阵;:〇儿人易模組。該擷 註冊指紋特徵…紋:該讀模_ _存至少- 理該所擷取之指紋,以產生一擷取沪钕牲料;^7 特徵係對應至該至少-註冊指咬特$二3_操取指紋 用以因摩一選定雙以取“5 5身分貧訊;該處理模組 -加“子二:取:二 巧,處理模組用以解密該加密認證交易密碼以 用以解密該加密電子信用^ $卡^本資料’以因應該選定認證交易密碼,擷取 g 銷售點資訊管理系統。 、並傳达至该 本發明之再-目的係提供-種電子行動裳置, 銷售點資訊管理系統’以進行一電子交易。該電子以 :取模組、-處理模組及-認證交易模組。該擷 二「使用者之-指紋;該處理模組用以處理該指紋以產生員 曰,特徵。該認證交賴組用以儲存至少—註冊指 二 至少一註冊指紋特徵係根據一合法使用者之一指紋預生各| 200842743 二言用卡身分資訊及至少—電子 二;;ϊίΐΓΓ —電子如卡上二二 易“;ί=ίϊ=ϊ;;:=基本資料,該認敎 管理系統。 L用卡基本貧料至該銷售點資訊 本發明之次一目的係提供一種六 電子行動I置。該電子扞妙罢子又易方法’財法用於- 行:電子交易。該電訊!3 紋 該 ;,令該處理模組處理該:梅;== 令該處理模組判斷該擷取指纹·取缺特徵; ;·令該處理模組解密該加密 電子信用卡代碼’·令該交雜選定 结負取與該選定雷子信用士处戊魁^:、、^二以一疋心适父易密碼, 加?』===:= 點資訊管理系統 ,以進行-電子交易。該電子行動裝置包含—擷取 =以及-認證交易模組’該認證交賴少二=里 特徵及至卜電子_卡私雜,各駐少_註獅^= 200842743 :。=子=法包含下列 紋特徵係===:=證= 判斷該操取指 傳送該至少,崎模組 本發明之另-目的係提供 ;子行動裝置,該電子行動裝置無線連;:!ί售 註冊指紋特徵、至少-電組儲存至少一 易密碼及至少一加密電子加麵登交 係根據-合法使用者之—指紋^各'註冊指紋特徵 少-電子信用卡基本資料。易模組儲存至 指紋以產生一擷特:i丄,處理模組處理該所擷取之 係對應至魅少-崎^ 7 f f鞠取指紋特徵 息,以指示顯示該至Γ電^用^該處模組產生一顯示訊 應-選定訊號以取得該至少令域理模組因 電子信时代碼,簡技魅少-加密 =令模崎賴加密“密二 卡電™碼以二;^ 用ΐ代碼對應 訊管又易輪組傳运該電子信用卡基本資料至該鎖售點資 本發明之次一目的係提供一工六 該電子行動裝置無線連=銷售 模易易模:電子行動裝置包含-錄模= *又易核組’該認證交易模組館存至少-註冊指紋 200842743 f徵、至少-電子信用卡身分資訊及 ί生係根據-合法使用 去_^一^# . a#者匕3下列步驟.令該擷取模組擷取一使用 ^之U,;該處理模組處理該指紋 =認證交易模組判斷該擷取指紋 =二= ϊ 示訊息,以指示顯補至^ ΐ 處模組因應—選定訊號以取得該至少 子====模組傳送該至少-電 指紋為每個人身上之獨一無 裝置中可儲存多,J J用J)中= 據使用者輸人指紋的不同(如同_使用者之食指及等χ 2用ΐ進行交易’且由於交易之安全機制係旨 ‘之特徵,足以辨別使用者之身 ^所以在交紐並不f有簽名_作。本發明亦 ^入的指紋,判斷使用者是否為合法使用者。待·使用者 S法使用者後,由使用者自行決定所欲使用之信用卡。 ’、、、 時間=戶:用知的信用卡之交易中,交易 长彳』卡方便之_,以及降低卡遺失及被 用卡處 電子3^動作,因此提供了—個安全的交易 ,參關式及隨後描叙實财式後’該技術職具有 Γΐΐ便可瞭解本發明之其他目的,以及本發明之技術手段及實 施悲樣。 【實施方式】 本發明之第-實施例如第丨圖所示,係為一電子行動裝置i 200842743 一使用者欲將此電子行動罗署200842743 IX. INSTRUCTIONS: [Technical field to which the invention pertains] The present invention relates to a point-of-sales point (the operation of the point of s-the electronic transaction method and its electronic transaction method 22糸=于- The job pattern is activated - the electronic device of the mobile device and its electric field is also ^ brother Yi [previous technology] With the rapid development of technology 'electronic action shock, such as the indispensable items in modern life, it has been It also provides more convenient features, such as the use of cards with Cong: Due to the appearance of credit cards, the convenience of people when they go out: 'It also increases the economic behavior of the game. The main credit card transaction process is: The credit card first passes the pass card + the card transaction flow ^ in 2 transaction processes. Today's believers wait too long, and at the same time, in the waiting process, the risk of loss and theft. Increasing the importance of computer security for people, increasing the need to abandon passwords and returning to biometrics technology has become a new wave of the company. Wei Weika's structure, 200842743 In summary, in the study In the transaction process of the known credit card, there is still the risk of completing the transaction for too long and the credit card is lost and stolen. Therefore, how to combine the mobile phone with the Ί5 card, these two items necessary for modern people, so that the entire credit card transaction process The time spent is shortened, and the risk of lost and stolen credit cards is reduced ^ and a new credit card transaction mechanism is generated, which is still the goal of the industry. [Invention], invention - secret supply - Guanzi Train and wirelessly connect to the Pomt of Sale information management system for an electronic transaction. For example, set up the -Na module, the recording group, and the two groups. The capture module is configured to capture a fingerprint pattern of the user: the mask f is used to process the captured indication corresponding to the at least-registered fingerprint feature special fee authentication transaction password to obtain a selected authentication transaction. The first transaction module is configured to store at least one electronic function card code. The authentication is used to select the authentication transaction password, and the i is to be sent by the e-easy module. Credit card base 4 2 =: rational = use "transfer point of information management Wei" wireless connection to - pick lion, - processing · electronic line set contains: take and texture features. _ trading module to store at least 200842743 special According to the fingerprint of the legitimate user, the authentication transaction module is pre-generated to store at least the electricity: the terminal is used to transmit the at least two-ease module, the fingerprint feature is Hit, and the certification is $ County.掇 is used to transfer the information management system to the point of sale. The electronic <L sales point information management system for _ electricity, no green connection, - capture module, - record group, _ place = j The sub-line training includes a 拉拉拉组 and a certification transaction module. The 撷ί! ϋ, the purpose is to provide an electronic mobile device, wirelessly connected to - the mobile device contains dan ~ η /, at least - electronic credit card Identity information, at least - add a poor moth six easy weight code and at least one encrypted electronic credit card code, the ― ― 立 特征 特征 根据 - 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法 合法Processing core group for taking module for capturing a user One of the Hu Jin. 兮 two arrays; The 撷 registration fingerprint feature... pattern: the mod_ _ _ at least - the fingerprint taken to generate a 钕 钕 钕 ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; ; _Fingerprint is used to select the double to get "5 5 identity poor news; the processing module - plus" sub 2: fetch: two, the processing module is used to decrypt the encrypted authentication transaction password for decryption The encrypted electronic credit ^ $ card ^ this data 'to take the authentication transaction password, select g point of sale information management system. And to the present invention, a further object is to provide an electronic action display, a point of sale information management system for conducting an electronic transaction. The electronics are: module, processing module and - authentication transaction module. The user-fingerprint; the processing module is configured to process the fingerprint to generate a profile, and the authentication interaction group is configured to store at least one of the registration fingerprints according to at least one registered fingerprint feature according to a legitimate user. One fingerprint pre-production | 200842743 Two words use card identity information and at least - electronic two;; ϊ ΐΓΓ ΐΓΓ - electronic such as card on the second two easy "; ί = ϊ ϊ ϊ;;: = basic information, the certification management system. L card is basically poor to the point of sale information. The second object of the present invention is to provide a six-electron action. The electronic trick is easy to use. The method of wealth is used - line: electronic trading. The telecommunications! 3 pattern; the processing module processes the: Mei; == causes the processing module to determine the fingerprint capture/missing feature;; and causes the processing module to decrypt the encrypted electronic credit card code. Let the intersection of the selected knots and the selected Leizi credits at the place of the squadrons ^:, , ^ two to a heart-to-heart easy password, plus? 』 ===:= point information management system for - electronic transactions . The electronic mobile device includes - capture = and - authentication transaction module 'the certification depends on the second two = the characteristics and the electronic _ card private, each stationed less _ note lion ^ = 200842743 :. = sub = method includes the following pattern of features ===:======================================================================================售 The registered fingerprint feature, at least - the electric group stores at least one easy password and at least one encrypted electronic plus face is based on - the legitimate user - the fingerprint ^ each of the 'registered fingerprint features less - the electronic credit card basic information. The easy-to-use module stores the fingerprint to generate a special feature: i丄, the processing module processes the captured system corresponding to the charm-saki-7 ff capture fingerprint feature information, to indicate that the display is to be used ^^ The module generates a display response-selected signal to obtain the at least the domain module due to the electronic mail code, and the simple charm-encryption=Mingzaki Lai encryption "Mini two card power TM code to two; ^ Using the ΐ code corresponding to the tube and the easy wheel group to transport the electronic credit card basic information to the lock sale point capital invention, the second purpose is to provide a work 6 wireless mobile device wireless connection = sales model easy to change: electronic mobile device includes - Recording mode = * Easy nuclear group 'The certification transaction module library at least - registered fingerprint 200842743 f sign, at least - electronic credit card identity information and 生 系 basis - legal use to _ ^ a ^ #. a#者匕3 The following steps: the capture module captures a U using the UI; the processing module processes the fingerprint = the authentication transaction module determines the captured fingerprint = two = ϊ message to indicate the display to ^ ΐ The module responds - selects the signal to obtain the at least sub ==== module transmits the at least - electrical fingerprint for each There are many devices in the person that can be stored in a single device. JJ uses J). = According to the user's fingerprint input (like the user's index finger and equal χ 2 for trading) and because of the security mechanism of the transaction 'The characteristic is enough to distinguish the user's body ^ so there is no signature in the handover. The fingerprint of the present invention also determines whether the user is a legitimate user. After the user S method user, The user decides which credit card to use. ',,, time = household: in the transaction of the known credit card, the transaction is long, the card is convenient, and the card is lost and the electronic card is used. Therefore, a secure transaction, a reference type, and a subsequent description of the real financial formula can be used to understand other objects of the present invention, as well as the technical means and implementation of the present invention. The first embodiment of the present invention, as shown in the figure, is an electronic mobile device i 200842743. A user wants to use this electronic action.
Sale)資訊管理系統,以進"1 ^ 一銷售點(Point of 使商店利用掃瞒器、條售點資訊管理系統為 電子數據處理器’以對商品等=乍器=機等 電子行動裝置1包含一拇 :f^:0Γ ?〇911;3: Π3〇 特徵(即左拇指註冊指紋特‘法,二雍5者〉之五個註冊指紋 指紋特徵、左I名指1冊^妗:“5主冊指紋特徵、左中指註冊 加密認較肖密'财㈣_徵)、五個 之認證模組⑴存有五張電。峨易模組ι〇7 置! 判斷使用此電子行動裝 =工 S:;:電電 確;L 枚上,ί 個 二二加、五 本資料、玉山銀行信=====用4基 200842743 1===4¾至富邦銀行信用 «,λ > c - b ζι^ζ: ":::r e(C)、e(E)、明及e⑻表示,其^^ "刀別以e(A)、 加山電子w卡代碼亦分騎應至五張電子朗卡基本資料。 五個認證交易密碼為AAA、ccc、卿、 二,咖跑懦託銀二 J至富邦銀行侧卡基本^及 ί ηΪη ' CCC . BE; .t; 卡基本資料,加3^=^、碼分麟絲五張電子信用 電子信用卡基本ί料。 心證交易密碼亦分別對應至五張 之-五個峨 指紋特徵對應易二^、t之一。具體而言’左拇指註冊 及e(CCC)tt i 、左食指註冊指紋特徵對應至狀) :=Γ/ =及e_)及左小指註冊指紋特徵= )。表一茱正上述之對應關係,以便閱讀。 -—'—_ —-~izL 註冊指紋特 S_ 電子信用卡基本 _ 資料__ 加密電子信 j卡代碼 ------ 加密認證 交易密碼 左拇指註冊 荷蘭銀行信用卡 _基本資赶__ e(A) —~~~~--- e(AAA) 12 200842743 中國信託銀行信 玉山銀行信用卡 富邦銀行信用卡 羞H料 匯豐銀行信用卡 產查資料Sale) information management system, into the "1 ^ a point of sale (Point of the use of the broom, the point of sale information management system for the electronic data processor 'to the goods, etc. = machine = machine and other electronic mobile devices 1 contains a thumb: f^:0Γ?〇911; 3: Π3〇 characteristics (ie, the left thumb registered fingerprint special 'method, two 雍5>> five registered fingerprint features, left I refers to one volume ^妗: "5 main book fingerprint features, left middle finger registration encryption, Xiao Mi's (four) _ levy), five authentication modules (1), five sets of electricity. Easy module ι〇7 set! Judging the use of this electronic mobile device =工S:;:Electric power; L, ί 二二加,五本资料,玉山银行信===== Use 4 base 200842743 1===43⁄4 to Fubon Bank credit «, λ > c - b ζι^ζ: ":::re(C), e(E), Ming and e(8) indicate that the ^^ " knife is not equiped with e(A), Kazan electronic w card code Five electronic Langka basic information. The five authentication transaction passwords are AAA, ccc, qing, two, coffee run 懦 银 银 二 J to Fubon Bank side card basic ^ and ί ηΪη ' CCC . BE; .t; card basic information , plus 3^=^ The code is divided into five electronic credit electronic credit card basic materials. The heart-warning transaction password also corresponds to five-five-fingerprint features corresponding to one of the two ^, t. Specifically, 'left thumb registration and e ( CCC)tt i, the left index finger registration fingerprint feature corresponds to the shape): =Γ/ = and e_) and the left little finger registration fingerprint feature =). Table 1 is the above correspondence, in order to read. -—'__ —- ~izL registered fingerprint special S_ electronic credit card basic _ data __ encrypted electronic letter j card code ------ encrypted authentication transaction password left thumb registered Dutch bank credit card _ basic resources __ e (A) —~~~~ --- e(AAA) 12 200842743 China Trust Bank Xinyushan Bank Credit Card Fubon Bank Credit Card Shame H Materials HSBC Bank Credit Card Production Information
左食指註冊 指紋特稽^ 左中指註冊 指紋特 左無名指註 冊指紋特1 左小指註冊 指紋特徵 加,系 個後理 五係管 、關訊 碼之資 密間點 易此售 交彼銷 證其與 認及1 密料置 加資裝 個4動 五基行 、卡f 徵用t-特信此 紋子用 指電利 册張何 包五如。 個、夺易 1碼用交 述代使子 描卡明電 各用說行 信著違 密接统 可為紋,其中顧取模組 生砧取左食指指紋特徵。接 者之左曰才曰 艮指指紋特徵是否對應 =核、、且105判斷此擷, 例中,處理模組105判斷====其中之一。第一 冊指紋特徵,換言之,處理‘纹特徵對應至左食: ,對應至此錄左條缺卿 自^註冊指紋特徵中 為一選定註冊指紋特徵。此時, :5指註冊指紋特徵)】 出來。於其他實施例中,處理模組=果會由顯示模組109 I 徵無法對應至註冊指紋特=斷結果可能為所击 if新輸入指紋。此處產生擷取‘」]顯示模組應會請名 、子應至註冊指紋特徵可由習=妯寺徵與判斷擷取指紋特禮 口技術達成,詳細資料請参 200842743Left index finger registered fingerprint special code ^ Left middle finger registered fingerprint special left left ring finger registered fingerprint special 1 left little finger registered fingerprint feature plus, is a post-five five system management, the key code of the code is easy to sell this license Recognize 1 secret material to add a capital to load a 4 moving five base line, card f requisition t-special letter this grain with the reference to the electricity book Zhang Hebao Wuru. One, the easy to win 1 code to use the interpreter to make the card to describe the card to use the line to say that the violation of the secret system can be the pattern, which takes the module anvil to take the left index finger fingerprint feature. The left side of the receiver refers to whether the fingerprint feature corresponds to = core, and 105 determines this. In the example, the processing module 105 determines one of ====. The first volume of the fingerprint feature, in other words, the processing of the 'grain feature corresponds to the left food:, corresponding to this record, the left-handed fingerprint is a selected registered fingerprint feature. At this time, :5 refers to the registered fingerprint feature)]. In other embodiments, the processing module=the result may be that the display module 109I cannot correspond to the registered fingerprint, and the result may be the new input fingerprint. Here, the display ‘”] display module should ask for the name, and the sub-registration fingerprint feature can be obtained by the Xi 妯 征 征 征 and judgment fingerprint capture feature. For details, please refer to 200842743
Davide Maltoni, Dario Maio, Anil K. Jain, Salil Prabhakar, “Handbook of Fingerprint Rec〇gniti〇n”,Springer 2〇〇3。 於處理模組105確定選定註冊指紋特徵(即,左食指註冊指紋 特徵)後,處理模組105自前述之加密認證交易密碼中(即, e(AAA)、e(CCC)、e(EEE)、e(FFF)及 e(HHH)),選擇對應至該選 定註冊指紋特徵者,即e(CCQ ;再自該等加密電子信^代碼中 (,’ e(A)、e(C)、e(E)、e(F)及e(H)),選擇對應至該選定註冊指紋 ’即e(c)。接下來處理模組105分別將加密認證交易密碼 e(CCC)及加密電子信用卡代碼e(c)予以解密, ίΐ Γ P選定電子剝卡代碼C。此處所』解= 解密加密電子信用卡代碼之方法可為對應於前 述加饴方法之習知技術,在此不加贅述。 在處理模組105獲得選定認證交易密碼ccc及選定 107 111 易播碼CCC擷取出與選定電子信用卡代 二 ί ΞΪ貝δί〇。接者,認證交易模組107之接收/發送模植113傳送 =,託銀,用卡基本龍(即選定電子信用卡資六 4 ΐϊί?易Λ品代號、交易金額等)至銷售點f訊管理系‘ ,示模組辦顯示電子交易之結果。其中, 組111可為一安全記憶體(Secure Mem 一 甲 =卡或- smartMX(SMX)卡,但不以此為限。^於^=二 Ϊ為τ安全的魏’因此在認賴組111⑽理電子VV+其士 貧料較為安全。置於’接收/發送模組113則可$ —近^脸j 訊模組(Nea_Com職㈣ 内建t 施例之配置,合法使用者可事先於電子行動裝置】 己札'、文的5主冊指紋特徵,並儲存電子彳古用卡其太次^立 再將註冊指紋特徵與電子信用卡基本資料建“結以本=: 200842743 當此合法使帛者欲糊此電计動裝置〗 料進行電子交易時,僅需按捺先前註冊指紋之==== 本貧料以進行電子交易。由於第—實施例之認證交祕 = 全記憶體,因此可提供使用者安全且枝之交易環境。’、、、 本發^之第二實施例如第2圖所示,其 2 糸j,以進仃-電子以。電子行練置2包含—擷取触 二處理模組203、-認證交易模組2〇5及一顯示模组浙。雜六 易,205包含一認證模、組2〇9及一接收/發送模组2ιι, 組209可為一安全記憶體、—智慧卡、一 二二 次,、認ί模組辦儲存五個註冊指紋特徵及五個電子信用卡美太 貧料。第二實施例之五個註冊指紋特 = 料、及其間之對應關係與第-實施:同五用卡基本育 係根據_行_之-合法使用指紋特徵 之你ίίί實ίίΓ將透過指紋比對確認使用電子行動裝置2 ί使,ί為—使用者。魏’擷取模組2G1擷取使用者之# 拇指St生手=手 至五= 灿念 研禾田顯不板組207顯示屮炎。‘女 對應之註冊減舰,則得_對應之電子㈣卡、 ^ 之’如無對應之註冊指紋特徵,則顯示模組2°〇亡反 新輸入指紋之訊息。第二實施例句”、、、不明使用者重 左手拇指指紋特徵對應至左=擷取 電子信用卡基本資料。之後,雛^ 15 200842743 211傳送荷蘭銀行電子信用卡基 交易之内容至銷售崎訊f ^定f子信用卡資訊)及 組207將顯示電子交易之結果1、、死乂几成電子交易。最後顯示模Davide Maltoni, Dario Maio, Anil K. Jain, Salil Prabhakar, "Handbook of Fingerprint Rec〇gniti〇n", Springer 2〇〇3. After the processing module 105 determines the selected registration fingerprint feature (ie, the left index finger registration fingerprint feature), the processing module 105 is from the foregoing encrypted authentication transaction password (ie, e(AAA), e(CCC), e(EEE) , e(FFF) and e(HHH), select the one corresponding to the selected registered fingerprint feature, ie e(CCQ; then from the encrypted electronic message code (, 'e(A), e(C), e(E), e(F), and e(H)), selecting corresponding to the selected registration fingerprint 'ie e(c). Next, the processing module 105 respectively encrypts the authentication transaction password e(CCC) and the encrypted electronic credit card. The code e(c) is decrypted, and the electronic stripping code C is selected. The solution to decrypt the encrypted electronic credit card code may be a conventional technique corresponding to the aforementioned twisting method, and will not be described herein. The processing module 105 obtains the selected authentication transaction password ccc and selects 107 111 the broadcast code CCC and extracts the selected electronic credit card. The receiving/transmitting module 113 of the authentication transaction module 107 transmits =, To support the bank, use the card basic dragon (that is, select the electronic credit card capital of 6 4 ΐϊ ? 易 易 易 易 易 易 易 易 易 易 易 易 易 易 易 易 易 易 易The system 'shows the module to display the results of the electronic transaction. Among them, the group 111 can be a secure memory (Secure Mem = card or - smartMX (SMX) card, but not limited to this. ^ ^ ^ = two Ϊ τ τ 安全 安全 ' ' τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ τ In the configuration of the example, the legal user can pre-register the fingerprint features of the 5 main books of the electronic mobile device, and store the electronic 彳 用 再 再 再 再 再 再 再 再 再 再 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册 注册结本本:: 200842743 When this lawful person wants to paste the electronic device, it is only necessary to press the previously registered fingerprint ==== this poor material for electronic trading. Because of the first embodiment The authentication secret = full memory, so it can provide users with safe and branch trading environment. ',,, the second implementation of this hair ^, as shown in Figure 2, its 2 糸j, to enter the 仃-electron The electronic row training 2 includes - the touch touch processing module 203, the authentication transaction module 2〇5 And a display module Zhejiang. Miscellaneous, 205 includes an authentication mode, group 2〇9 and a receiving/transmitting module 2ιι, group 209 can be a secure memory, smart card, one or two times, recognition模组The module office stores five registered fingerprint features and five electronic credit cards. The five registered fingerprints of the second embodiment are specific materials, and the corresponding relationship between them and the first implementation: the same five-use card basic breeding system According to _ _ _ - legal use of the fingerprint feature ί ί ί Γ Γ 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹 指纹Wei's capture module 2G1 capture user's # thumb St raw hand = hand to five = Can read Yan Hetian Xian not board group 207 shows sputum inflammation. If the female counterpart corresponds to the registered ship reduction, the corresponding electronic (four) card and ^'s if there is no corresponding registered fingerprint feature, the message of the module 2° dying and inputting the fingerprint is displayed. The second example of the example, ",", the user does not know the left thumb thumb fingerprint feature corresponds to the left = draw the electronic credit card basic information. After that, the young ^ 15 200842743 211 transmits the contents of the Dutch bank electronic credit card based transaction to the sales of the news f sub-credit card information) and group 207 will display the results of the electronic transaction 1, the death of several electronic transactions.
第一實施例與第二實施例主I -實施例記憶模組103所館處在於’第二實施例將第 交易模'组205中’意即儲存於一較“==特徵儲存於認證 施例不需透過加密認證交易 此,第二實 電子信用卡基本資料,便能以較安全的^用電卡子代^更可取出 子行動本裝== 為;鎖 行動裝置3包含-操取模:組二電子 處理杈組305、一認證交易模纟】〇 w〖心杈、、且303、一 模組107包含一切、、、、 一頒不模組309。認證交易 例之電子行接收/發送模組出。第三實施 處理模組305及顯示模組鄉,故第三實施例 伟用而言」記憶模組303除了儲存此電子行動裝置3之合法 電子传用指,5、五個加密認證交易密碼及五個加密 玉山=分資訊則為:(1)荷蘭銀行、(2)中國信託、⑶ 認證桓:^虽邦银行、以及⑶匯豐銀行。認證交易模組107之 ϋ五#ιφ工職存五張電子侧卡基本龍。表二係列出新增 穷带早信用卡身分資訊、五個加密認證交易密碼、五個加 山屯十㈣卡代碼、五張電子偶卡基本資料及制之對應關係。The first embodiment and the second embodiment of the main I-instance memory module 103 are located in the second embodiment of the "transaction mode" group 205 in the meaning of "storage" in the "== feature stored in the certification application For example, the second real electronic credit card basic information can be used to replace the sub-action package == for the second real electronic credit card, and the lock mobile device 3 includes the operation mode: The group 2 electronic processing group 305, an authentication transaction module, 〇 w 〖 杈 杈, and 303, a module 107 includes everything,,,, and a module 309. The electronic line receiving/sending of the authentication transaction example The third embodiment of the processing module 305 and the display module, so the third embodiment is used in general. "The memory module 303 stores the legal electronic transfer finger of the electronic mobile device 3, 5, 5 encryption. The authentication transaction password and the five encrypted Yushan= points information are: (1) ABN Amro, (2) China Trust, (3) Certification: ^Bangbang Bank, and (3) HSBC. The certification transaction module 107 ϋ五#ιφ工职存 five electronic side card basic dragon. In Table 2, the new poor credit card identity information, five encrypted authentication transaction passwords, five plus ten (four) card codes, five electronic card basic data and the corresponding relationship are produced.
加密認證 交易密碼 16 200842743 ------- ⑴荷蘭銀行 -— (2)中國信託 荷蘭銀行信用卡 e(A) e(AAA) 中國信託銀行信 e(C) e(CCC) -----— (3)玉山銀行 … ——.— 玉山銀行信用卡 e(E) e(EEE) (4)富邦銀行 富邦銀行信用卡 e(F) e(FFF) (5)匯豐鉬^行 匯豐銀行信用卡 —料 e(H) e(HHH) 資訊要交冊=巧;五個電子信用卡衫 電子側卡資訊之㈣^有對i;:信时代瑪及五3Encrypted authentication transaction password 16 200842743 ------- (1) Bank of the Netherlands - (2) China Trust Dutch Bank Credit Card e(A) e(AAA) China Trust Bank Letter e(C) e(CCC) ---- - (3) Yushan Bank... ——.— Yushan Bank Credit Card e(E) e(EEE) (4) Fubon Bank Fubon Bank Credit Card e(F) e(FFF) (5) HSBC Molybdenum HSBC Bank Credit card - material e (H) e (HHH) information to be booked = Qiao; five electronic credit card shirt electronic side card information (four) ^ have i;: letter era and five
组3(Ϊ^Ϊϊ^:1Ϊ取模組1〇1操取使用者之指紋後,處理栺 ''' <級时之彳^紋以產生—娜指紋舰。接著,處理;^ 訊息,以指示顯示模、组309顯示前述之五個電子 欠;^ 荷蘭銀行、⑵中國信託、⑶玉山銀行、⑷富邦銀^、以^貝= 銀灯’供使用者轉。制者接著自這五個電子 〉次, 擇一,以產生一選定訊號。假設使用者選擇(3)玉丄 :貧訊 組3〇5接著因應此選賴號以取得相對應的加㈣二模 e(EEE)及相對應的加密電子信用卡代碼e(E)。 * °心证父易岔碼 第三實施例後續之動作與第一實施例相同。 處理模組305分別將加密認證交易密碼e(EEE)及二;電子,S工 17 200842743 =:==,以分別得到一選定認證交易密·及-選 電子“用卡貧讯),也就是使用者之玉山銀 著,接收/發送模組113傳送玉山銀行電子作^ ^料及六 =包含交S金額等)至銷售點資訊管理系“完土成電貝子1易,處 後,纟、、員示模組309顯示電子交易之結果。 藉由第三實施例之配置,合法使用者 冊指紋特徵僅用來做身分辨識之用。^内之•主 者再透過電子信用卡身分資訊選:斤===,, 弟二實施例’本發贿供了更郷性的電子交卡。透過 j發明之第四實施例為—電子行練置* 證模組407及-接收/發送模、组4〇ϋ,包卜認 與第二實施狀電子行域置2之主要^^1子行動裝置4 ::理一及顯示模組4。5,故第四實施例 (與卡身分f訊。這些電Ji 電子w卡基本貧料之對應_與第三實施例相同, 18 200842743 加贅述。 認證交易模組撕之認證模組4 接下來, 對應至五俯_、纟_之—,並^特徵是否 =出來。如有對應之註冊指_^= =^405顯 基本資料,處理模組403亦會產生 子應之電子信用卡 =五個電子信用卡身分資訊供使用用γ接示他 應生卡二訊號。處理‘ ,電子信时魏及交w容(包傳送 一第三實施例與第四實施例主要不同 實施命m憶模組303所館存之五個註文:2例將第 易模組401中,意即儲存於一較安特,,認證交 透過加密認證交易密碼及加密電子 ϋ 實施例不需 ,嶋信用卡基本資料,故“二== 實施:===¾ 500令擷取模|且1〇1擷取一使用者之指纹下田牛曰y先’步驟 模組103處理使用者之指紋產生-擷取指^^驟/〇1令處理 證交易密碼以得—選賴證交易密碼,步驟=令處 19 200842743 解密加密電子侧卡代碼以得—選定電子侧卡代碼。 取出與選定電子信用二證交易密碼 -令纖易模組1〇7傳===== 易接=細來說,由於繼易 ,認證模組⑴根據選定認證交易 代碼相對應之電子信用卡基本資料。而 5;、=疋電子#用卡 送模組113傳送電子信用卡基本資料至銷 1更接收/發 =子交易。概,步義條 ς顯U、= 除了第 心心^ _描緣之步驟外’第五實施例亦能執行第-抑 第五實施二通:J識者㈣ 不贅述。 w魏协域仃鱗操作及功能。故 本發明之第六實施例係為一種電子 實施例所述之行練置2,其流賴二如第. 600令擷取模組201擷取一使用者 ^斤描π。1*先,步! 里使用者之指紋產生-擷二 本資料;如步驟602之結果絲^回】牛貝=寻到電子信用卡! 重新擷取使財之赦。讀,辦令_模組20 ΪΪ^ΪΓ^ 604 本貝科至_點資訊管理系統以完成電子交易队電子彳5用卡J 擷取指紋特徵是否符合註冊指紋特徵,如j⑵== 20 200842743 用卡基本貧料’如不符合,則f丨丨+ 5¾ / 擷取使用者之指紋。而步驟604 取^組201重新 電子信用卡基本資料至銷售點資訊管理^以傳送 後步驟6〇5令顯示模組207顯示電子交易糸之先结$成電子交易。最Group 3 (Ϊ^Ϊϊ^:1 capture module 1〇1 after taking the user's fingerprint, processing 栺''' < level 彳^ pattern to produce - Na fingerprint ship. Then, processing; ^ message, To indicate the display mode, group 309 displays the aforementioned five electronic owes; ^ Dutch Bank, (2) China Trust, (3) Yushan Bank, (4) Fubon Silver ^, and ^Bai = Silver Light for users to turn. Electronically, select one to generate a selected signal. Suppose the user chooses (3) Yuxi: The poor group 3〇5 then responds to the selected number to obtain the corresponding plus (4) two-mode e (EEE) and Corresponding encrypted electronic credit card code e(E). *°The following is the same as the first embodiment. The processing module 305 will respectively encrypt the authentication transaction password e(EEE) and two. ; Electronics, S Gong 17 200842743 =:==, to get a selected certification transaction secret · and - select electronic "use card poor news", that is, the user's Yushan silver, receiving / sending module 113 to send Yushan Bank Electronic production ^ ^ material and six = including the amount of S payment, etc.) to the point of sale information management department "completed into a power electric Beizi 1 easy, after the office, 纟, staff Module 309 displays the results of the electronic transaction. With the configuration of the third embodiment, the legal user fingerprint feature is only used for identity identification. ^ In the main • The owner then selects the information through the electronic credit card identity: jin ===,, the second embodiment of the case, this bribe provides a more embarrassing electronic card. The fourth embodiment of the invention by the invention is an electronic row training module 407 and a receiving/transmitting module, a group 4, and a main ^^1 sub-group of the second embodiment. The mobile device 4: Li and the display module 4. 5, so the fourth embodiment (with the card identity f. The correspondence of these electric Ji electronic w card basic poor material - the same as the third embodiment, 18 200842743 The certification transaction module tears the authentication module 4 Next, corresponding to the five _, 纟 _ -, and ^ characteristics = out. If there is a corresponding registration means _ ^ = = ^ 405 display basic data, processing mode Group 403 will also generate electronic credit card = five electronic credit card identity information for use to use γ to indicate that he should generate a second signal. Processing ', e-mail time Wei and handy capacity (packet transmission a third embodiment with The fourth embodiment mainly has five annotations stored in the memory module 303: 2 instances of the first module 401, meaning stored in a more Ante, the authentication pass through the encrypted authentication transaction password and encryption The electronic ϋ embodiment does not need to 嶋 credit card basic information, so "two == implementation: ===3⁄4 500 撷 模 modulo | and 1 〇 1 Take a user's fingerprint under the field 田 先 first 'step module 103 to handle the user's fingerprint generation - capture finger ^ ^ step / 〇 1 order processing card transaction password to get - choose the transaction password, step = order 19 200842743 Decrypt the encrypted electronic side card code to get the selected electronic side card code. Take out the selected electronic credit two card transaction password - make the fiber easy module 1〇7 pass ===== Easy to connect = fine, due to Easy, the authentication module (1) according to the selected electronic credit card basic data corresponding to the authentication transaction code, and 5;, = 疋 electronic # use the card delivery module 113 to transmit the electronic credit card basic information to the sales 1 more receiving / sending = sub-transaction. In addition to the steps of the first heart, the fifth embodiment can also perform the first - the fifth implementation of the second pass: J sensible (four) does not repeat. w Wei Xie domain scale operation and function. Therefore, the sixth embodiment of the present invention is an implementation of the electronic embodiment described in the second embodiment, and the reliance on the second method is as follows: the 600-module capture module 201 captures a user's description of the π. 1* first, Step! The fingerprint of the user is generated - the second data; as the result of step 602, the silk ^ back] Niubei = Go to the electronic credit card! Re-take the money to make money. Read, order _ module 20 ΪΪ ^ ΪΓ ^ 604 Benbeco to _ point information management system to complete the electronic trading team electronic 彳 5 use card J to capture fingerprint features In accordance with the registered fingerprint features, such as j (2) == 20 200842743 card basic poor material 'if not, then f丨丨 + 53⁄4 / capture the user's fingerprint. And step 604 take ^ group 201 re-electronic credit card basic information to the point of sale The information management ^ causes the display module 207 to display the electronic transaction 先 first into an electronic transaction after the transmission step 6〇5. most
除I第6騎描繪之步料,第六實 例之所有操作及功能。所屬技術領域 I 列如何基於上述第二實施例 實施伽於如第三 ,组101擷取依使用者之指纹,接下斤^^ 處理杈、、且305處理使用者之指紋產生—擷取指紋特徵。之二 J 7=處理模組305判斷擷取指紋特徵是否對應至註冊指^ Ϊ3 =〇2之結果為否’則返回至步驟7〇0。若步驟702之』 果為疋,則執行步驟703令顯示模組3〇9顯示判斷結果。 一接下^ ’步驟704令處理模組3〇5產生一顯示訊息,以指示 顯不電,信用卡身分資訊,之後,步驟衝令顯示模組顯示 此顯不訊息供使用者選擇。待使用者自該等電子信用卡身分資訊 擇-後/ %會產±-選定訊號,此選定訊號包含使用者之選擇結 果:之後,步驟706令處理模組305因應此選定訊號取得加密認 證父易密碼及加密電子信时代碼。織,步驟7G7令處理模組 305解岔加密認證交易密碼以得一選定認證交易密碼,步驟7〇8 令處理模組305解密加密電子信用卡代碼以得一選定電子信用卡 代碼。 口 之後’步驟709令認證交易模組1〇7因應選定認證交易密碼, 擷取與選定電子信用卡代碼對應之電子信用卡基本資料,然後, 步驟710令認證交易模組1〇7發送電子信用卡基本資料至銷售點 資訊管理系統以完成電子交易。由於認證交易模組1〇7更包含一 (S ) 21 200842743 認^組111及一接收/發送模組113 之步驟係由該認證交易模組1G7 储卡基本資料 #送步驟係由接收/發送模組m所dj戈所執行’而該 模組309顯示電子交易之結果。 取後,乂驟711令顯示 除了第7圖所描繪之步驟外,第 例之所有操作及功能 技 能執行第三實施 不贅述。 上相二.例以執行此等操作及功能。故 •實施法,_於如第四 驟_令擷取會。首先步 驟802令認證交易模取指紋特徵。之後,步 紋特徵。若步驟觀之姓^否斷掘^曰'纹特徵是否對應至註冊指 > 1、、、°果為否則返回至步驟800。若步驟802 之、,果為疋,則執订步驟廳令顯示模組4〇5顯示判斷結果彈 之後,步驟804令處理模組4〇3產生一 |V . ^ ^ 示電子信用卡身分資訊 ^又員^:、,以“顯 卡Jiu步η6令處理模組403因應選定訊號取得電子信用. ”基本浦至鎖售點資訊管理系統以完成電子交易。Except for the steps of the 6th ride, all the operations and functions of the sixth example. How to implement the gamma according to the second embodiment in the prior art, the group 101 captures the fingerprint according to the user, and then processes the fingerprint of the user, and 305 processes the fingerprint of the user to generate the fingerprint. feature. The second J 7 = processing module 305 determines whether the captured fingerprint feature corresponds to the registration finger Ϊ 3 = 〇 2 and the result is no, then returns to step 7 〇 0. If the result of step 702 is 疋, step 703 is executed to cause the display module 3〇9 to display the judgment result. Step 704 is performed to cause the processing module 3 to generate a display message to indicate that the credit card identity information is displayed, and then the step display module displays the display message for the user to select. After the user selects from the electronic credit card identity information, the selected signal contains the user's selection result: after that, the processing module 305 causes the selected module to obtain the encrypted authentication. Password and encrypted e-mail code. In step 7G7, the processing module 305 decrypts the encrypted authentication transaction password to obtain a selected authentication transaction password, and the step 7〇8 causes the processing module 305 to decrypt the encrypted electronic credit card code to obtain a selected electronic credit card code. After the step 709, the authentication transaction module 1〇7 selects the authentication transaction password to retrieve the electronic credit card basic data corresponding to the selected electronic credit card code, and then, in step 710, the authentication transaction module 1〇7 sends the electronic credit card basic data. Go to the point of sale information management system to complete the electronic transaction. Since the authentication transaction module 1〇7 further includes a (S) 21 200842743, the steps of the group 111 and a receiving/transmitting module 113 are received/sent by the authentication transaction module 1G7. The module m is executed by the dj and the module 309 displays the result of the electronic transaction. After the operation, step 711 is displayed to show that all the operations and functional skills of the first example perform the third embodiment except for the steps depicted in FIG. The upper phase is used to perform these operations and functions. Therefore, the implementation method, _ in the fourth step _ order to draw the meeting. First step 802 causes the authentication transaction to take a fingerprint feature. After that, the step features. If the step name of the surname ^ does not break the ^ 曰 'pattern feature corresponds to the registration finger > 1, , , ° If otherwise return to step 800. If the result is 疋, the binding step display module 4〇5 displays the judgment result, and the step 804 causes the processing module 4〇3 to generate a |V. ^ ^ indicates the electronic credit card identity information ^ In addition, ^:,, with the "graphic card Jiu step η6 order processing module 403 in response to the selected signal to obtain electronic credit." Basic Pu to lock sales point information management system to complete electronic transactions.
St f =含一認證模組407及一接收/發送模組409,註 驟^曰ί特徵及%子信用卡基本資料係儲存於認證模組407,判斷步 以;^擇步驟係由该認證交易模組401之認證模組407所執行, 及?送步驟係由接收/發送模、组4〇9所執行。最後,步驟議令 ‘員不模組405顯示電子交易之結果。 除了^ 8圖所描繪之步驟外,第八實施例亦能執行第四實施 *所有刼作及功旎。所屬技術領域具有通常知識者可直接瞭解 22 200842743 故 ^贅述。丨如何基於^述第四實施例以執行轉操作及功能 及被盜用的顺。㈤ 1之問題,以及降低信用卡遺失 明之技;二3施Τι用來例舉本發明之實施態樣,以及闡釋本發 太藤明夕描· ΐ1广ί生之文排均屬於本發明所主張之範圍, 【圖式簡單說明】 第1圖係為本發明之第—實施例之示意圖; 第2圖係為本發明之第二實施例之示意圖 $ 3 ®係為本發明之第三實施例之示意圖 第4圖係為本發明之第四實施例之示意圖 第5圖係為本發明之第五實施例之流程圖 第6圖係為本發明之第六實施例之流程圖; 第7圖係為本發明之第七實施例之流程圖;以及 第8圖係為本發明之第八實施例之流程圖。 1〇1 :擷取模組 105 ··處理模組 109 ·顯示模組 【主要元件符號說明】 1 :電子行動裝置 103 :記憶模組 1〇7 :認證交易模組 23 200842743 111 :認證模組 2:電子行動裝置 203 ··處理模組 207 :顯示模組 211 :接收/發送模組 3:電子行動裝置 305 ··處理模組 4:電子行動裝置 401 :認證交易模組 405 ··顯示模組 • 409 ··接收/發送模組 113 :接收/發送模組 201 :擷取模組 205 ··認證交易模組 209 :認證模組 303 :記憶模組 309 :顯示模組 403 ··處理模組 407 :認證模組St f = includes an authentication module 407 and a receiving/transmitting module 409. The feature and the % sub-credit card basic data are stored in the authentication module 407, and the step is determined by the authentication transaction. The authentication module 407 of the module 401 is executed, and? The sending step is performed by the receiving/transmitting module, group 4〇9. Finally, the step-by-step decision ‘person does not module 405 shows the result of the electronic transaction. In addition to the steps depicted in the figure 8, the eighth embodiment can also perform the fourth embodiment *all operations and merits. Those who have ordinary knowledge in the technical field can directly understand 22 200842743. How to perform the transfer operation and function and the stolen use based on the fourth embodiment. (5) The problem of 1 and the technique of reducing the loss of the credit card; 2 3 Τ ι is used to exemplify the embodiment of the present invention, and the essay of the present invention is explained by the present invention. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic view showing a first embodiment of the present invention; FIG. 2 is a schematic view showing a second embodiment of the present invention. FIG. 3 is a third embodiment of the present invention. 4 is a schematic view of a fourth embodiment of the present invention. FIG. 5 is a flowchart of a fifth embodiment of the present invention. FIG. 6 is a flowchart of a sixth embodiment of the present invention; A flowchart of a seventh embodiment of the present invention; and FIG. 8 is a flowchart of an eighth embodiment of the present invention. 1〇1: capture module 105··processing module 109 · display module [main component symbol description] 1 : electronic mobile device 103 : memory module 1 〇 7 : authentication transaction module 23 200842743 111 : authentication module 2: Electronic mobile device 203 · Processing module 207: Display module 211: Receiving/transmitting module 3: Electronic mobile device 305 · Processing module 4: Electronic mobile device 401: Authentication transaction module 405 · Display mode Group • 409 · Receive/transmit module 113: Receive/transmit module 201: Capture module 205 · · Authentication transaction module 209: Authentication module 303: Memory module 309: Display module 403 · · Processing mode Group 407: Authentication Module
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