TW201725529A - Personal portable device for internet transaction on mobile device and the application method of the same enhances the efficiency of fingerprint recognition unit - Google Patents

Abstract

This disclosure relates to a personal portable device for mobile transaction and the application method of the same. The portable device is a small-sized object for personal use, and is provided for a consuming user by the transaction terminal. The portable device comprises a fingerprint recognition unit, a control processing unit, an electronic signature unit, a wireless connecting unit, and a power unit. When the consuming user transacts on the internet via a mobile device, the user can input fingerprint data to be recognized at the transaction terminal via the fingerprint recognition unit of the portable device, so that the control processing unit receives and determines whether the fingerprint data to be recognized corresponds to the template fingerprint data in the database. If the fingerprint is verified, the portable device can then set password for electronic signature inside the electronic signature unit via wireless connecting unit and verify identification with the transaction terminal through the mobile device. After verification, the consuming user then transacts at the transaction terminal, which facilitates large-scale release of portable device at the transaction terminal without restricting mobile device manufacturers, while on the other hand, enhances the efficiency of fingerprint recognition unit.

Description

Carrying device for personal network transaction by mobile device and application method thereof

The present invention relates to a portable device for an individual to conduct a network transaction by a mobile device and an application method thereof, and more particularly to a portable device provided by a transaction terminal to a consumer personal device, so that the consumer personal entity can access the Internet through the personal mobile device. Before the transaction is performed with the transaction terminal, the fingerprint identification function of the portable device can be used to verify the identity of the consumer and then perform password verification.

At present, consumers in the consumer often use a personal mobile device to access the Internet to conduct transactions with a transaction terminal, wherein the personal mobile device includes a mobile phone (such as a smart phone), a tablet computer, a notebook computer, etc., wherein the transaction terminal is, for example, various online transactions. Platforms such as the Internet, banks, etc. are not limited. Since the personal mobile device is lost or stolen, and the personal password or account number is also forgotten or stolen, the identity of the consumer is simply not easily confirmed by the personal password or the account number, causing the consumer to use it. The amount of personal mobile devices connected to the Internet for trading with a transaction terminal is relatively limited, in order to avoid the attribution of damages caused by the consumer's personal identity is not fully confirmed and the transaction amount is too large.

Since the fingerprint reader or fingerprint recognition chip and its fingerprint recognition function and technology have gradually matured, in order to increase the security of the transaction, the fingerprint verification function and technology have been widely used, for example, the fingerprint verification function and technology are applied to the credit card. Form a "fingerprint credit card"; or store credit card data in a mobile phone with a fingerprint reader or fingerprint recognition function In the middle (such as smart phones), the same applies NFC (Near Field Communication) to detect the "mobile credit card" of the transaction, or use the mobile phone to access the Internet for online transactions. The prior art in the technical field includes: TW Publication No. 20150611, 20150521, 20141211, 20141111, 20140311, 20140211, 20140101, 20120921, 20110711, 20110701, 20100621, 20041211, 20030211, 20150616, and US 8,811,959, US 2014/0317715A1 and the like.

In order to increase the security of the consumer personal use mobile device to access the Internet for online transactions, it may be possible to store the credit card data (consumer personal identity verification code) in a mobile device with a fingerprint reader or fingerprint recognition function, such as a mobile phone, Tablet, notebook. However, in the actual application of the above technology, the following problems exist:

First, the current mobile device operating system, such as a mobile phone, is a closed system. Different mobile phone manufacturers (such as Apple Inc. or Samsung, South Korea) have different operating systems. When a certain type of fingerprint reader or fingerprint recognition function is built into a brand mobile phone (such as Apple Inc.), the consumer is required to purchase or use the brand mobile phone to enjoy the specific fingerprint. The recognizer or fingerprinting function is used to increase the security of online transactions, which is inconvenient for many consumers.

Second, in terms of the transaction side (such as the bank side), of course, I hope that the more consumers can use the better, that is, the mobile phone that the consumer can use can have the fingerprint reader or fingerprint identification function, but the current mobile phone. In the market, fingerprint readers with higher efficiency fingerprint recognition have been acquired by a brand of mobile phone manufacturers, making it difficult for other mobile phone manufacturers to build an efficient mobile phone. The fingerprint identifier is used to achieve a better fingerprint recognition function. Because the mobile phone used by the consumer is not the same For the mobile phone of the brand, it is difficult for the transaction side (such as the bank) to promote the use of mobile devices for online transactions and to use fingerprint identifiers or fingerprint identification functions to ensure security, resulting in better online transaction methods. Relatively hindered, it is difficult to promote.

It can be seen from the above that the prior art in the art is difficult to solve the above problems, and therefore the present invention proposes an effective solution to the above problems.

The main purpose of the present invention is to provide a portable device for an individual to conduct a network transaction with a mobile device, and a portable device for forming a small portable body for personal use, which is provided by a transaction terminal to a consumer personal use. The portable device includes a fingerprint identification unit (such as a chip), a control processing unit (such as MCU/RAM), an electronic signature unit (such as a key wafer), a wireless connection unit (such as a Bluetooth communication unit), and a a power unit (such as a battery or a microwave-rechargeable battery); wherein, when the consumer personalizes using his personal mobile device to enter the network to select a transaction with the transaction terminal, the fingerprint identification unit of the portable device can be simultaneously Entering the to-be-identified fingerprint data of the consumer, so that the control processing unit receives and determines whether the fingerprint data to be identified matches the template fingerprint data in the memory, and if so, the portable device can borrow the wireless connection unit. Transmitting an electronic signature password that has been set in the electronic signature unit to the mobile device, and then performing a physical interaction with the transaction terminal via the mobile device After the verification process, the consumer personally conducts transactions with the transaction terminal; thereby, the transaction terminal can be widely distributed to the mobile device without being restricted by the manufacturer of the mobile device, and the use efficiency of the fingerprint identification unit is relatively improved. .

In order to achieve the above object, the present invention provides a mobile device for mobile transactions by a mobile device, which forms a portable small body, which is provided by a transaction terminal. The personal use of the personal use device for the consumer to use the personal mobile device to perform further fingerprint identification with the portable device before using the network to conduct transactions with the transaction device, the portable device comprising: a fingerprint identification unit (such as a chip), used to establish one of the consumer personal template fingerprint data before the consumer begins to trade with the transaction terminal, and obtains the fingerprint of the consumer personally in each transaction. The data is used for verification; a control processing unit (such as MCU/RAM) is electrically connected to the fingerprint identification unit (such as a chip), on the one hand for storing the template fingerprint data of the consumer end, and on the other hand for receiving and Determining whether the to-be-identified fingerprint data is consistent with the template fingerprint data; an electronic signature unit (such as a key wafer) is electrically connected to the control processing unit, and the transaction end and the consumer end are before the transaction is started. The two parties jointly agree on an electronic signature password (such as the consumer personal identification code) and set it in the electronic signature unit; a wireless connection unit (such as Bluetooth communication unit) a mobile device for matching the mobile device of the consumer to transmit a message to the consumer personal device; and a power supply unit (such as a battery or a microwave rechargeable battery) for providing operation of each unit in the portable device The power required; wherein, when the consumer personalizes using his personal mobile device to enter the network to select a transaction with the transaction terminal, the fingerprint identification unit of the portable device can be simultaneously input to input the consumer personal Identifying the fingerprint data, so that the control processing unit receives and determines whether the fingerprint data to be identified matches the template fingerprint data, and if so, the portable device can be transmitted by the wireless connection unit to be set in the electronic signature unit. The electronic signature password is sent to the mobile device, and then the mobile device performs an identity verification procedure with the transaction terminal, and after the verification, the consumer personalizes the transaction with the transaction terminal.

In order to achieve the above object, an application method of a portable device for an individual to conduct a network transaction by using a mobile device includes the following steps: targeting a consumer terminal by a transaction terminal The personal device provides a portable device with a fingerprint identification function, wherein the transaction end and the consumer end have jointly agreed on an electronic signature password and set in the portable device; before the transaction end individual trades with the transaction terminal, Firstly, the personal fingerprint data is established and stored in the portable device as the template fingerprint data for verification, and the portable device is connected to the mobile device of the consumer end by a wireless connection unit provided therein; The consumer personally uses his personal mobile device to enter the network to select a transaction with the transaction terminal, and at the same time, the portable device inputs the fingerprint data to be recognized by the consumer; the portable device receives and determines the fingerprint to be recognized. Whether the data matches the stored fingerprint data of the template; if so, it means that the portable device transmits the electronic signature password to the mobile device by using the wireless connection unit, and then performs the transaction with the mobile device. The identity verification program, after the verification, the consumer personally trades with the transaction side.

100‧‧‧Transaction side

200‧‧‧ consumer personal

10‧‧‧ Carrying device

11‧‧‧Finger identification unit

12‧‧‧Control Processing Unit

13‧‧‧Electronic signature unit

14‧‧‧Wireless connection unit

15‧‧‧Power unit

16‧‧‧ Near Field Communication Unit

20‧‧‧ mobile devices

30‧‧‧Network

1 is a schematic diagram showing the structure of a portable device for an individual to conduct a network transaction by a mobile device.

2 is a block diagram showing an application of the present invention for a mobile device for mobile transactions by a mobile device.

In order to make the present invention more clear and detailed, the preferred embodiment and the following drawings are used to describe the structure and technical features of the present invention as follows: Referring to Figures 1 and 2, the present invention is for a personal action device. The portable device 10 of the online transaction forms a small physical body such as a card that can be conveniently carried by the consumer personal 200, but is not limited, and is provided by a transaction terminal 100 to a consumer personal 200 for use by the consumer. The individual 200 can use his personal mobile device 20 to perform a verification procedure for the fingerprint identification identity with the portable device 10 before the transaction 30 is made with the transaction network 100.

The portable device 10 includes: a fingerprint identification unit 11 such as a fingerprint recognition chip, for establishing a template fingerprint data of the consumer personal 200 before the consumer personal 200 starts to trade with the transaction terminal 100, and performs each In a transaction, the fingerprint data of the consumer 200 can be retrieved for verification; a control processing unit 12 such as an MCU (Microprogrammed Control Unit) or a RAM (Random Access Memory) Is electrically connected to the fingerprint identification unit 11 for storing the template fingerprint data of the consumer personal 200 on the one hand, and for receiving and determining whether the fingerprint data to be identified matches the template fingerprint data on the other hand; The signature unit 13 is, for example, a key wafer, which is electrically connected to the control processing unit 12, and the transaction terminal 100 and the consumer personal 200 jointly agree on an electronic signature password (consumer personal identity) before starting the transaction. a verification code) is set in the electronic signature unit 13; a wireless connection unit 14, such as a Bluetooth communication unit, is used to interact with the mobile device 200 of the consumer personal 200 20 to transmit an end message to the individual consumer's mobile device 200; and a power unit 15 for providing the power required for the internal operation of the device 10 carries the units, especially the electric power required for 12 of the control unit.

Since the portable device 10 forms a small-sized body that can be conveniently carried by the consumer personal 200, and each unit disposed in the portable device 10, such as the control processing unit 12, requires a sufficient amount of power to operate, In order to improve the efficiency of use of the portable device 10, the power supply unit 15 may consider the use of battery related technologies such as charging technology or a combination thereof, such as: solid state battery mechanism, microwave rechargeable battery mechanism, solar rechargeable battery Mechanism (using solar energy for charging), mobile phone feedback rechargeable battery mechanism or a combination thereof, thereby making the The power unit 15 can provide sufficient power during the use of the portable device 10; wherein the micro-chargeable rechargeable battery mechanism refers to a combination of an antenna and a capacitor for the portable device 10 to receive microwaves around the user. The power unit 15 performs charging; wherein the mobile phone feedback charging battery mechanism means that when the portable device 10 approaches the mobile device 20, the mobile device 10 initiates a notification, so that the mobile device 20 sends a microwave after receiving the notification. The power supply unit 15 of the portable device 10 is charged.

When the consumer personal 200 enters the network 30 by using the personal mobile device 20 to select a transaction with the transaction terminal 100, the fingerprint identification unit 11 of the portable device 10 can simultaneously input the consumer personal 200. Determining the fingerprint data, so that the control processing unit 12 receives and determines whether the fingerprint data to be identified matches the template fingerprint data of the memory, and if so, the portable device 10 transmits the wireless connection unit 14 to be set. The electronic signature password in the electronic signature unit 13 is sent to the mobile device 20, and then the mobile device 20 performs an identity verification procedure with the transaction terminal 100. After the verification, the consumer personal 200 re-transacts with the transaction terminal 100. .

Referring to FIG. 2, the present invention is an application method for a mobile device for personal transactions by a mobile device, and includes the following steps: a transaction terminal 100 provides a portable identification device 10 with a fingerprint identification function for a consumer PC 200. As shown in FIG. 1, the transaction terminal 100 and the consumer personal 200 have jointly agreed on an electronic signature password and are set inside the portable device 10. The consumer personal 200 establishes and stores personal fingerprint data in the portable device 10 for use as a template fingerprint for verification before the transaction with the transaction terminal 100, and causes the portable device 10 to wirelessly connect through one of the settings. Unit 14 and the mobile device 20 of the consumer personal 200 Match each other.

When the consumer PC 200 enters the network 30 with its personal mobile device 20 to select a transaction with the transaction terminal 100, the portable device 10 is used to input the fingerprint data of the consumer personal 200.

The portable device 10 receives and determines whether the fingerprint data to be identified matches the stored fingerprint data of the template.

If yes, it means that the portable device 10 transmits the electronic signature password to the mobile device 20 by using the wireless connection unit (such as the Bluetooth communication unit) 14, and then performs the transaction with the transaction terminal 100 via the mobile device 20. The identity verification program, after the verification, the consumer personal 200 then trades with the transaction terminal 100.

In addition, as shown in FIG. 1 , a near field communication unit 16 can be further disposed in the portable device 10 for matching with a corresponding terminal (not shown) for data transmission, thereby enhancing the application range of the portable device 10 . .

The above is only the preferred embodiments of the present invention, and is intended to be illustrative, and not restrictive, and it is understood by those of ordinary skill in the art that Many changes, modifications, and even equivalents may be made without departing from the scope of the invention.

100‧‧‧Transaction side

200‧‧‧ consumer personal

10‧‧‧ Carrying device

11‧‧‧Finger identification unit

12‧‧‧Control Processing Unit

13‧‧‧Electronic signature unit

14‧‧‧Wireless connection unit

15‧‧‧Power unit

20‧‧‧ mobile devices

30‧‧‧Network

Claims (9)

A portable device for an individual to conduct a network transaction by using a mobile device, which is formed into a portable small physical body, which is provided by a transaction terminal to a consumer personal use for the consumer to use the personal mobile device to Before the transaction with the transaction terminal, the portable device can be further used for fingerprint identification. The portable device includes: a fingerprint identification unit, which is used before the consumer begins to trade with the transaction terminal. Establishing one of the template personal fingerprint data of the consumer, and obtaining the fingerprint data of the consumer personally for verification when performing each transaction; a control processing unit electrically connected to the fingerprint identification unit, The aspect is configured to store template fingerprint data of the consumer end, and on the other hand, to receive and determine whether the fingerprint data to be identified is consistent with the template fingerprint data; an electronic signature unit electrically connected to the control processing unit, Before the transaction is started, the transaction end and the consumer end jointly agree on an electronic signature password and set the electronic In the unit, a wireless connection unit for matching the mobile device of the consumer to transmit a message to the mobile device of the consumer; and a power supply unit for providing continuous connection of the units in the portable device The power required; wherein, when the consumer personalizes using his personal mobile device to enter the network to select a transaction with the transaction terminal, the fingerprint identification unit of the portable device can be simultaneously input to input the consumer personal Identifying the fingerprint data, so that the control processing unit receives and determines whether the fingerprint data to be identified matches the template fingerprint data, and if so, the fingerprint identification carrying device transmits the wireless signature unit to the electronic signature. The electronic signature password in the unit to the The mobile device performs an identity verification procedure with the transaction terminal via the mobile device, and after the verification, the consumer personally conducts a transaction with the transaction terminal. A portable device for an individual to conduct a network transaction with a mobile device as claimed in claim 1, wherein the mobile device comprises a mobile phone, a tablet computer, and a notebook computer. The portable device for personally conducting a network transaction by a mobile device according to claim 1, wherein the control processing unit comprises an MCU (Microprogrammed Control Unit) and a RAM (Random Access Memory). . The portable device for personally conducting a network transaction by a mobile device, as described in claim 1, wherein the wireless connection unit comprises a Bluetooth communication unit. The portable device for personally conducting a network transaction by a mobile device according to claim 1, wherein the power supply unit is selected from the group consisting of a solid battery mechanism, a rechargeable battery mechanism capable of microwave charging, a solar rechargeable battery mechanism, and a mobile phone feedback charging. One or a combination of battery mechanisms. The portable device for personally conducting a network transaction by the mobile device according to claim 1, wherein the portable device is further provided with a near field communication unit for matching with the corresponding terminal device for data transmission. An application method for a mobile device for an individual to conduct a network transaction by using a mobile device, comprising the following steps: providing, by a transaction terminal, a portable device having a fingerprint identification function for a consumer, the portable device is as claimed in claim 1 The portable device of any one of the preceding claims, wherein the transaction end and the consumer end have jointly agreed to an electronic signature password and are set inside the fingerprint identification carrying device; the consumer personal is in the transaction Before the transaction, first establish and store in the portable device Depositing personal fingerprint data for use as a template fingerprint data for verification, and causing the fingerprint identification carrying device to be matched with the mobile device of the consumer end by one of the wireless connection units provided therein; when the consumer personally utilizes the individual The mobile device enters the network to select a transaction with the transaction terminal, and at the same time, the portable device inputs the fingerprint data to be recognized by the consumer; the portable device receives and determines the fingerprint data to be identified and the stored Whether the template fingerprint data is consistent; if yes, it means that the fingerprint identification carrying device transmits the electronic signature password to the mobile device by using the wireless connection unit; and the mobile device performs an identity verification procedure with the transaction terminal, After verification, the consumer personally trades with the transaction side. The application method of claim 7, wherein the mobile device comprises a mobile phone, a tablet, and a notebook computer. The application method of claim 7, wherein the portable device is further provided with a near field communication unit for matching with the corresponding terminal for data transmission.