TW201346801A - Transaction card with security code generator and the method of the same - Google Patents

Abstract

A transaction card comprises a substrate having an IC. An interface is coupled to the IC for signal transmission; a security code generator is coupled with the IC to generate a security code for banking transaction; an electricity generating button is coupled to the security code generator to generate the security code, a display is on the substrate and is coupled to the IC for displaying the security code. The electricity generating button includes piezoelectric material to generate electricity by piezoelectricity. The interface is contactless or contact type.

Description

Trading card with security code generator and its trading method

The present invention relates to a transaction card, and more particularly to a transaction card having a security code generator.

In general, financial cards are widely used in financial transactions or commodity trading, and currently mainly use contact cards. In addition, the traditional financial or transaction card is a large card with a size of 84mm x 54mm, which is generally used in financial transaction systems such as financial cards, credit cards, ATM cards, or identity authentication systems such as health insurance cards. When swiping the card, the card reader reads the information on the magnetic strip to verify the identity and facilitate the credit transaction. When conducting online banking transaction services, some banks will provide a separate transaction security code generator. When transferring funds, the bank will require the user to enter the security code generator security code to facilitate transaction security. However, The security code generator body is relatively large, about 40mm x 30mm, 3-5mm thick, which is not conducive to users.

A transaction card with a security code generator includes a substrate, wherein the substrate includes an IC coupled to a security code generator to facilitate generating a security code, and a current triggering device coupled to the transaction code generator to facilitate Providing the security code generator current and generating a security code; a display screen for displaying the security code; wherein the display screen is disposed on the transaction card or an external display screen. Wherein the current triggering device comprises a piezoelectric material comprising a contact or non-contact interface disposed on the inner or outer surface of the substrate. The non-contact interface comprises an antenna or an induction coil, and the display screen comprises an electronic paper, an organic light emitting display, and a field emission display.

A transaction card with a security code generator includes a substrate, wherein the substrate includes an IC coupled to a security code generator to facilitate generating a security code, and a triggering device coupled to the transaction code generator to facilitate providing The security code generator current generates a security code; a contact interface for contacting a card reader; wherein the current required by the security code generator is provided by the card reader. The display screen includes a display screen for displaying the security code; wherein the display screen is disposed on the transaction card or is an external display screen. The display screen includes an electronic paper, an organic light emitting display, and a field emission display.

A transaction card with a security code generator includes a substrate, wherein the substrate includes an IC coupled to a security code generator to facilitate generating a security code, and a triggering device coupled to the transaction code generator to facilitate providing The security code generator current generates a security code; a non-contact interface for non-contacting a contactless card reader; wherein the current required by the security code generator is provided by the contactless card reader, including a display The screen is used to display the security code; wherein the display screen is configured on the transaction card or is an external display screen. The display screen includes an electronic paper, an organic light emitting display, and a field emission display.

The following description provides a clear and unambiguous description to provide an overview of the embodiments of the invention. The following description of the drawings is intended to be illustrative of the preferred embodiments of the invention The invention is applicable to certification applications such as credit transactions and financial transactions, such as fixed terminal machines, including Automated Teller Machine (ATM), credit card machines, card readers or Point of Sales (POS) systems. Card reader. The following applies to the above application areas.

Referring to Figure 1, there is shown a schematic diagram of an IC card 10 in accordance with the present invention. In a preferred embodiment, the substrate material having the IC 12 described above may be a plastic material similar to that used in credit cards, financial cards or transaction cards. For example, the material of the substrate preferably has a thickness ranging from 0.08 mm to 0.12 mm. In still another preferred embodiment, the size, material, and shape of the IC card described above are applicable to current financial cards, credit cards, or standard subscriber identity module cards. Its characteristics do not use the direct contact card mechanism of the magnetic strip to cause inconvenience. However, the present invention does not exclude the inclusion of magnetic strips and wafer cards and provides multiple modes of operation.

As shown, it is a schematic view of an IC card in accordance with the present invention. The IC card 10 described above includes an IC 12 coupled to a security code generator 14, and the location of the security code generator 14 can be located anywhere in the card or on the surface, including but not limited to either side of the IC card. In the case of a credit card, information such as the user's information, authentication code, card number or password can be stored in the IC in advance. The IC card may include a single IC, an integrated IC, or a plurality of ICs attached or embedded in the above IC card. The IC card may be a flexible printed circuit board (commonly known as a soft board) or a hard printed circuit board, and may be a transparent or opaque material. On the other hand, the IC may also include a memory, such as an Electrically Erasable Programmable Read-Only Memory (EEPROM) or a Flash memory, to facilitate storage of data. For user identification applications, etc.

In one embodiment, the IC 12 is coupled to store the financial card related information to facilitate the transaction authentication memory. The information includes but is not limited to, such as card number, password and user related information or password, identification code, and the like. The IC 12 and the memory are an integrated IC. The financial card or credit card may have a surface magnetic strip or metal contact interface 16, such as a plurality of metal contacts on a general financial card, to communicate with the card reader. A current generating device 18 is disposed on the substrate. When the voltage is applied to the current generating device 18, a current can be generated and the security code generator 14 is activated to generate a transaction security code to ensure transaction security. The current generating current triggering device 18 includes a piezoelectric material that causes the current to drive the security code generator 14 when the user applies pressure without providing a battery in the card. Compared with the prior art, the user does not need to carry a large security code device, and can improve transaction security. A display screen 13 is disposed on the card and coupled to the IC for displaying the security code generated by the security code generator 14. The display screen can be electronic paper, OLED, FED. Electronic paper, OLED is light and flexible, and is very suitable for use in the present invention.

The other embodiment is mostly identical or similar to the above example, but the triggering device 18 does not contain piezoelectric material, but instead generates a trigger signal to drive the security code generator 14, the power being provided by the contact card reader when the user places the card When inserted into the contact card reader, it will be in contact with the magnetic strip or metal contact interface 16 to transmit information or to provide power to drive the security code generator 14.

The other embodiment is mostly identical or similar to the above example, but the triggering device 18 does not comprise a piezoelectric material that generates a trigger signal to drive the security code generator 14, the power being provided by the contactless card reader, see the second figure, When the user inserts the card into proximity to the contactless card reader, the financial card or transaction card described above has an inductive antenna or coil 13 coupled to the IC to transmit information or provide power. Therefore, the security code generator 14 can be driven.

Therefore, the card reader can communicate through the NFC near-field sensing input/output interface. Can be widely applied to fixed terminals, including cash dispensers or endpoint sales system readers. In this embodiment, the IC card may be a smart card, but is not limited to a credit card, a financial withdrawal card, a leisure card, a loan card, and a stored value card. Moreover, embodiments of the present invention further include an inductive antenna or coil 13 based on the needs of the application of this embodiment. The described embodiment of the invention is substantially equivalent in size to a financial card or an IC card. It can be coupled to an inductive antenna or coil 13 for short-range electronic wireless transaction or identification functions. The antenna may be a thin, or planar induction coil or a so-called planar antenna.

Compared to the prior art, the present invention has the advantage of being applied to contactless financial or transaction services. The invention has the following advantages: providing a contactless credit card, a financial card application, etc., no need to input a password, and can avoid being recorded by others. Based on the non-contact type, the card process can be avoided to damage the card body. Based on contactlessness, it provides a more hygienic transaction. In addition, there is no personal information or specific indication from the appearance of the card, and no card number or account number is displayed on the surface that is identifiable to the naked eye. The average person cannot steal or read any relevant information in appearance to improve security.

In another application, the present invention can also be used on a subscriber identity module card of a mobile phone, that is, the configuration has at least one antenna buried in the IC card or disposed on the surface or disposed inside or outside the mobile phone to facilitate Send and receive signals. It includes a signal input and output contact interface to facilitate contact with the mobile phone. It should be noted that this antenna is not an antenna for voice communication of the mobile phone itself, and is an antenna that is advantageous for contactless transactions. In this way, it is possible to use the mobile phone as a trading tool. Based on this, the subscriber identity module has a specific or personal authentication identifier to identify the transaction counterpart. Therefore, you can use this configuration for contactless transactions. It can be charged by a telecommunications or financial services company or by a VAT card. Based on the advancement of semiconductor technology, it is possible to provide sufficient memory capacity to store the added value in the memory of the card and the above-mentioned security code generator, which belongs to a program or software to facilitate the generation of digital information for transaction authentication. In addition, the above security code generator can also be stored in the mobile phone, and the transaction authentication security code is generated by using the mobile phone and displayed on the mobile phone display.

In operation, the non-contact card reader or endpoint sales system based on the illustration can be powered by the reader to generate a magnetic field (coil type) in an electromagnetic induction manner on a credit card (or other IC card, subscriber identification module). The coil of the card generates a current-driven card IC, intercepts the information in the memory, and processes the reply signal through the IC to the non-contact card reader. Based on the electromagnetic induction, the coil of the non-contact card reader generates a signal feedback to the reader. , a control unit coupled to the reader/writer to process the desired message to be transmitted or received. An antenna can also be used instead of a coil, and the signal transmitted through the antenna is accompanied by a magnetic field. Current is generated by resonance on the card, and subsequent processing is as described above. A contactless card reader or endpoint sales system is connected to the remote server. Coupling with the control unit via the web interface allows the exchange of information with the remote repository to facilitate transactions. If necessary, a print unit can be selectively coupled to the control unit to facilitate receipt of the information and printing of the information with the credit card joint center certification.

The present invention can also be applied to a cash dispenser related to the present invention, which is a functional block diagram of a contact or non-contact cash dispenser. It contains cash output or / and input units for exporting cash or entering cash for withdrawals or deposits. The control unit is included to control the processing of input signals and to connect with the host to facilitate transaction authentication and information inquiry. It is connected to the main memory of the cash machine. After cash storage, contact the cash output/input unit via the transport unit. The contact or non-contact financial teller machine 50 includes a contactless reader/writer 54 coupled to the non-contact signal transmitting and receiving device 52 and the control unit 60 for facilitating transmission of the receiving device through the non-contact signal. Electromagnetic induction or electromagnetic resonance for non-contact financial transactions, where the contactless financial cash dispenser is coupled to a remote server during use to facilitate transaction authentication. The printing device 58 is coupled to the control unit for printing. The non-contact transaction signal transmitting and receiving device comprises an antenna or an induction coil. The other part of the operating mechanism is equivalent to the traditional mechanism, which has to configure the contact card reading mechanism to facilitate the traditional card reading. Through the network interface 56, it is possible to exchange information with a remote database to facilitate transactions.

A secure transaction method includes: providing a financial card, wherein a security code generator (module) is implanted, and when the generator is triggered, a set of security codes can be generated, and the security code can be displayed on a card display screen, or Computer monitor or mobile phone monitor. The power supply can generate current using a trigger having a piezoelectric material. Or provide current with a contact reader or generate an induced current with a contactless reader.

In the above, the present invention has been described above by way of a preferred embodiment, and is not intended to limit the scope of the patent claims claimed. The scope of patent protection is subject to the scope of the patent application and its equivalent fields. Any modification or refinement made by those skilled in the art without departing from the spirit or scope of the present invention is equivalent to the equivalent change or design made in the spirit of the present disclosure, and should be included in the following patent application scope. Inside.

10. . . IC card

12. . . IC

13. . . Display screen

14. . . Security code generator

16. . . interface

20. . . Trigger device, sensing antenna

50. . . Contactless card reader

52. . . Coil

54. . . Reader

56. . . Network interface

58. . . Printing device

60. . . control unit

The above aspects, as well as the advantages of the present invention, will be readily understood by the following detailed description. among them:

The first figure is a schematic diagram of an IC card according to the present invention.

The second figure is a schematic diagram of an IC card according to the present invention.

10. . . IC card

12. . . IC

13. . . Display screen

14. . . Security code generator

16. . . interface

20. . . Trigger device, sensing antenna

Claims (11)

A transaction card with a security code generator includes a substrate, wherein the substrate includes an IC coupled to a security code generator to facilitate generating a security code, and a current triggering device coupled to the transaction code generator to facilitate Providing the security code generator current and generating a security code; a display screen for displaying the security code; wherein the display screen is disposed on the transaction card or an external display screen. A transaction card having a security code generator as claimed in claim 1 wherein the current triggering device comprises a piezoelectric material. A transaction card having a security code generator as claimed in claim 1 includes a contact or non-contact interface disposed on an inner or outer surface of the substrate. A transaction card having a security code generator as claimed in claim 3, wherein the non-contact interface comprises an antenna or an induction coil. A transaction card having a security code generator according to claim 1 or 2 or 3, wherein the display screen comprises an electronic paper, an organic light emitting display, and a field emission display. A transaction card with a security code generator includes a substrate, wherein the substrate includes an IC coupled to a security code generator to facilitate generating a security code, and a triggering device coupled to the transaction code generator to facilitate providing The security code generator current generates a security code; a contact interface for contacting a card reader; wherein the current required by the security code generator is provided by the card reader. The transaction card of the security code generator of claim 6 includes a display screen for displaying the security code; wherein the display screen is disposed on the transaction card or is an external display screen. A transaction card having a security code generator according to claim 6 or 7, wherein the display screen comprises an electronic paper, an organic light emitting display, and a field emission display. A transaction card with a security code generator includes a substrate, wherein the substrate includes an IC coupled to a security code generator to facilitate generating a security code, and a triggering device coupled to the transaction code generator to facilitate providing The security code generator current and generates a security code; a non-contact interface for non-contacting a contactless card reader; wherein the current required by the security code generator is provided by the contactless card reader. The transaction card of the security code generator of claim 9 includes a display screen for displaying the security code; wherein the display screen is disposed on the transaction card or an external display screen. A transaction card having a security code generator according to claim 9 or 10, wherein the display screen comprises an electronic paper, an organic light emitting display, and a field emission display.