1264918 五、發明說明（:1:) 【發明所屬之技術領域】 本發明係有關一種信用卡交易傳送系統改 過交易鎖與資料混編傳遞並於交易同時比對持 料，以達成交易資料保密以及持卡人身份認證 【先前技術】 目前信用卡交易機置概分為二，一種是如 透過刷卡機9 1讀取持卡人的信用卡資料，並 傳送至遠端的發卡機構交易系統9 0 (包括財 、發卡銀行、收單銀行），經核對信用卡資料 常時即可被許可交易，再由持卡人於簽帳單上 交易；另一種交易方式是持卡人透過網際網路 電腦輸入信用卡資料，經確認後信用卡資料被 遠端的發卡機構交易系統而完成交易。 然而層出不窮的偽造信用卡事件值得探討 所在，最普遍的問題在於信用卡被複製，其導 資料容易被侧錄，再者持卡人簽名無法即時被 多數側錄手法並不易被查覺，故風險居高不下 網路交易平台雖然它具備了加密手段（一般為 法判斷交易者是否為持卡人，所以多數人仍選 卡機的交易模式，至少可在爭議時可透過簽名 爭端，當然被？刷的可能性目前仍不能被排除 【發明内容】 本發明之主要目的，在於解決上述的問題 信用卡交易傳送系統改善方法，可在完全確 善方法，透 卡人指紋貢 的功效。 第4圖所示 經電話線路 金付款閘門 並判斷為正 簽名而完成 交易平台於 加密傳送至 其中的問題 因於信用卡 判斷，然而 ，但相較於 SSL)仍無 擇以透過刷 核對來解決 而提供一種 認信用卡資料1264918 V. INSTRUCTIONS (:1:) [Technical field of invention] The present invention relates to a credit card transaction transmission system that changes transaction locks and data mix transmissions and compares the materials at the same time to achieve transaction confidentiality and hold Card Person Identity Authentication [Prior Art] At present, the credit card transaction machine is divided into two. One is to read the cardholder's credit card information through the credit card machine 9 1 and transmit it to the remote card issuer transaction system. , issuing bank, acquiring bank), after checking the credit card information, it can be licensed for trading, and then the cardholder can trade on the bill; the other transaction method is that the cardholder inputs the credit card data through the Internet computer. After confirming, the credit card information is completed by the remote card issuer transaction system. However, the endless stream of counterfeit credit card events is worth exploring. The most common problem is that the credit card is copied, and the information is easy to be recorded. Moreover, the cardholder's signature cannot be immediately recorded by most of the parties and is not easy to be detected, so the risk is high. Although it does not have an online trading platform, it has encryption means (generally it is judged whether the trader is a cardholder, so most people still choose the trading mode of the card machine, at least in the dispute, through the signature dispute, of course, being brushed The possibility is still not excluded at present. [Inventive content] The main object of the present invention is to solve the above problem. The credit card transaction transmission system improvement method can completely correct the method, and the effect of the card reader's fingerprint tribute. The telephone line gold payment gate is judged to be a signature and the problem of completing the transaction platform to be encrypted and transmitted to it is determined by the credit card. However, compared with SSL, there is still no alternative to solve the problem by providing a credit card information.
第5頁 1264918 五、發明說明（2) 與持卡人身份的雙重認證下才許可交易進行，並且在前述 資料的傳遞上進行加密手段以避免被截取或侧錄。 本發明之另一目的，在於提供一種信用卡交易傳送系 統改善方法，特別在持卡人之身份辨識資料的建立方式係 透過刷卡行為建立，並廣泛相容任一發卡機構發行之信用 卡。 本發明之又一目的，在於提供一種可透過無線系統且 安全的信用卡交易機制。 本發明之上述目的與優點，不難從下述所選用實施例 之詳細說明與附圖中獲得深入了解。 【實施方式】 請參閱第1〜3圖，圖中所示者為本發明所選用之實 施例結構，此僅供說明之用，在專利申請上並不受此種結 構之限制。 本發明之信用卡交易傳送系統改善方法，建立在既有 發卡機構交易系統1 0授訊端1 1的連線系統，包括： 建立在商家的一信用卡讀取單元2 0例如為刷卡機， 包括一指紋感測元件2 1 ，並提供發送信用卡資料、交易 資料及被感應指紋資料；及 於發卡機構交易系統遠端連結之一交易主機3 0 ，供 多重授取自遠端多數商家建立的信用卡讀取單元發送之信 用卡資料、交易貢料及被感應指紋資料’並包括至少兩資 料庫儲存空間3 1 、3 2提供記憶信用卡資料及對應之指 紋資料。Page 5 1264918 V. INSTRUCTIONS (2) The license transaction is carried out under the dual authentication of the identity of the cardholder, and the encryption is carried out on the transmission of the aforementioned information to avoid interception or skimming. Another object of the present invention is to provide a method for improving a credit card transaction transmission system, in particular, the method for establishing identity identification data of a cardholder is established through a card swipe behavior, and is widely compatible with a credit card issued by any card issuer. It is still another object of the present invention to provide a secure credit card transaction mechanism that is transparent to a wireless system. The above objects and advantages of the present invention will be readily understood from the following detailed description of the embodiments of the invention. [Embodiment] Please refer to Figures 1 to 3, which show the structure of the embodiment selected for use in the present invention, which is for illustrative purposes only and is not limited by the structure of the patent application. The credit card transaction transmission system improvement method of the present invention is established in the connection system of the existing card issuer transaction system 10, and includes: a credit card reading unit 20 established at the merchant, such as a credit card machine, including one The fingerprint sensing component 2 1 and provides the sending credit card data, the transaction data and the sensed fingerprint data; and one of the transaction host 30 is remotely connected to the card issuing institution transaction system for multiple credit card readings established by most remote merchants The credit card information, the transaction tribute and the sensed fingerprint data sent by the unit are included, and at least two database storage spaces 3 1 and 3 2 are provided to provide the memory credit card data and the corresponding fingerprint data.
第6頁 1264918 五、發明說明（3) 如第3圖所示，當持卡人要完成購買交易，商家的信 用卡讀取單元與交易主機達成互連交易狀態，由交易主機 提供兩個交易鎖至信用卡讀取單元，透過持卡人刷卡及在 指紋感測元件按壓指紋，兩個交易鎖各別與信用卡資料及 被感應指紋資料混編，或是該交易鎖係被信用卡讀取單元 分配至信用卡資料及被感應指紋資料傳送封包供信用卡讀 取單元發送。 交易主機授取前述經混編之信用卡資料及被感應指紋 資料並予解鎖，比對認證該比交易之交易鎖、信用卡資料 、指紋資料，並傳送該比交易信用卡資料及交易資料至各 發卡機構交易主機進行認證及交易許可回授，故商家取得 許可後即能完成交易。 為了既有眾多信用卡的資料建立的完整性與確切保密 ，交易主機資料庫記憶信用卡資料及對應之指紋資料之建 立取得為相對的首次交易信用卡，亦即，當持卡人首次於 本發明交易機制上的商家購物時，而該筆首次交易在交易 鎖解鎖確認後即完成認證，在信用卡資料經各發卡機構交 易主機認證及交易許可回授後，其信用卡資料及對應之指 紋資料即被記憶在交易主機的資料庫。 同一信用卡的多次交易所取得指紋資料並不能完全相 符，為此，交易主機的資料庫設定了多次記憶功能，並從 這些同一持卡人的指紋資料由系統程式3 3進行邏輯比對 ，藉以獲得持卡人的指紋資料比對誤差參數。 如上所述，可獲得以下優點：Page 6 1264918 V. Invention Description (3) As shown in Figure 3, when the cardholder wants to complete the purchase transaction, the merchant's credit card reading unit and the transaction host reach an interconnection transaction status, and the transaction host provides two transaction locks. To the credit card reading unit, by the cardholder swiping the card and pressing the fingerprint on the fingerprint sensing component, the two transaction locks are respectively mixed with the credit card data and the sensed fingerprint data, or the transaction lock is assigned to the credit card reading unit. The credit card information and the inductive fingerprint data transmission packet are sent by the credit card reading unit. The transaction host obtains the aforementioned credit card data and the sensed fingerprint data and unlocks the transaction, compares the transaction lock, credit card data and fingerprint data of the transaction, and transmits the transaction credit card information and transaction data to each card issuer. The transaction host performs authentication and transaction permission feedback, so the merchant can complete the transaction after obtaining the license. In order to establish the integrity and exact confidentiality of the data of many credit cards, the establishment of the transaction host database memory credit card data and the corresponding fingerprint data is obtained as a relative first transaction credit card, that is, when the cardholder first uses the transaction mechanism of the present invention. When the merchant on the shopping, and the first transaction is completed after the transaction lock is unlocked, the credit card information and the corresponding fingerprint data are memorized after the credit card information is verified by the card issuing institution and the transaction license is returned. The database of the trading host. The fingerprint data obtained by multiple transactions of the same credit card cannot be completely matched. For this reason, the transaction host's database has multiple memory functions, and the fingerprint data of the same cardholder is logically compared by the system program 3 3 . To obtain the cardholder's fingerprint data comparison error parameters. As mentioned above, the following advantages can be obtained:
第7頁 1264918 五、發明說明（4) (1 )信用卡資料及被感應指紋資料各別與交易主機提供 一交易鎖混編可確保當信用卡資料及被感應指紋被截 取或側錄時，仍需進一步解鎖，而且在兩種資料各別 以不同的交易鎖雙重加密的機制下更具安全性。 (2 )基於交易主機與發卡機構交易系統的連結為既有交 易架構，信用卡讀取單元與交易主機間之資料發、授 方法可選自於GPRS通訊系統、3G通訊系統、PSTN線路 〇 (3 )交易主機資料庫信用卡資料及指紋資料之建立方法 係透過首次交易建立，故資料建立可函蓋所有各新、 舊信用卡，以及發卡機構交易系統可接受的任何信用 卡，而且貧料建立完整性南。 (4 )交易主機的資料庫多次指紋資料記憶功能，並從這 些同一持卡人的指紋資料進行邏輯比對，藉以獲得持 卡人的指紋資料比對誤差參數，可提供分析比對指紋 感測元件的判讀誤差或指紋壓印誤差’以提昇身份認 證準確度。Page 7 1264918 V. Invention Description (4) (1) Credit card information and sensed fingerprint data are separately provided with a transaction lock by the transaction host to ensure that when credit card data and fingerprints are intercepted or recorded, they still need to be Further unlocking, and more secure under the mechanism that the two types of data are double encrypted with different transaction locks. (2) The link between the transaction host and the card issuer transaction system is the existing transaction structure. The data transmission and authorization method between the credit card reading unit and the transaction host can be selected from the GPRS communication system, the 3G communication system, and the PSTN line (3). The transaction host database credit card data and fingerprint data are established through the first transaction, so the data can be created to cover all new and old credit cards, as well as any credit card acceptable to the card issuer trading system, and the poor material establishes the integrity of the South. . (4) The transaction host's database has multiple fingerprint data memory functions, and logically compares the fingerprint data of the same cardholders to obtain the cardholder's fingerprint data comparison error parameters, which can provide an analytical comparison fingerprint feeling. The component's interpretation error or fingerprint imprint error is used to improve the identity authentication accuracy.
1264918 圖式簡單說明 【圖式簡單說明】 第1圖係本發明交易機制系統架構示意圖。 第2圖係本發明信用卡讀取單元及交易主機功能方塊 不意圖。 弟3圖係本發明交易機制流程示意圖。 第4圖係傳統刷卡交易機制系統架構示意圖。 【圖號說明】 (習用部分） 發卡機構交易系統9〇 Φ 授訊端1 1 指紋感測元件2 1 資料庫儲存空間3 1 、3 2 刷卡機9 1 (本發明部分） 發卡機構交易系統1 0 信用卡讀取單元2〇 交易主機3〇 糸統程式3 31264918 Brief description of the schema [Simplified description of the schema] Fig. 1 is a schematic diagram of the system architecture of the transaction mechanism of the present invention. Figure 2 is a block diagram of the credit card reading unit and transaction host of the present invention. The brother 3 diagram is a schematic diagram of the flow of the transaction mechanism of the present invention. Figure 4 is a schematic diagram of the system architecture of the traditional card transaction mechanism. [Description of the figure] (Utility part) Card issuer transaction system 9〇Φ Communication terminal 1 1 Fingerprint sensing component 2 1 Database storage space 3 1 , 3 2 Credit card machine 9 1 (part of the invention) Card issuer transaction system 1 0 credit card reading unit 2 〇 transaction host 3 system 3 3