TWI272820B - Electronic passbook and plastic money anti-fake and burglarproof system - Google Patents

Abstract

The present invention provides the solution method for the trading safety of plastic money and prompt financial affairs management of the consumer. The invention is featured with the fact that the consumer uses the wireless communication cellular phone with the status identification function as the tool for synchronous confirmation of the trade contents when conducting trade at the automatic cash teller or the credit-card machine of the store. In addition, the confirmed trade contents are automatically recorded in the database of the personal wireless communication cellular phone so as to form a real-time electronic passbook. Thus, the flow of the financial trade is similar to that of previous beside-the-counter trade where the consumer stamps and confirms the trade. The purpose of the invention is to assure the safety of financial trade and to promote blooming and stability of economic activity. Additionally, the real-time and scientific control of self-financial affairs for each individual is assured so as to ensure the personal financial affairs and the trading safety as well as protection of the financial organization.

Description

1 - .γ〜你〜力£^Wmm (l) [Technical Field of the Invention] The system architecture of the present invention is a financial transaction security management mechanism, and a personal financial wealth management database system, in the process of its implementation, spans The technical field of wireless wired communication platform, personal identification technology, and the end of the communication electronic product technology field and personal computer software and hardware integration, and cross-platform system integration technology, and financial management technology for crime prevention. It is a terminal device for personal identification and data collection with a personal wireless communication mobile phone. The time parameter is modulated by the unity of the serial number of the hardware system of the mobile phone and the representative code of the personal identity, and becomes an identification signal that changes at any time. Come, even if it is recorded, it can not be stolen, enough to ensure the security of identity authentication. When consumers are doing consumer behavior, or more money in their own accounts, in addition to the banking administration, plus the consumer's electronic certification, it will ensure the security of the consumer's transactions, and at the same time load the transaction content. Personal information systems, such as Pocket PC or PD A, have a wireless communication function database. In this way, the personal database will be able to process the financial consolidation and records in each bank account, becoming a true “electronic passbook”. When a consumer uses a credit card to swipe in a store, or spends a credit card on the Internet, or mails a mail-order purchase, the consumer’s own wireless communication device will immediately ask the consumer to confirm it, when the consumer himself is wireless. When the communication device directly confirms the transaction content, the merchant can obtain the authorization of the financial unit, and the transaction is considered successful. Or financial card in the automatic cabinet

Page 5, page 5, invention description (2) When the personal machine transaction is also directly confirmed by the wireless communication device, the teller machine completes the transaction, so the financial transaction authorized by the financial institution and the individual authorization will ensure the consumer. Security with financial institutions. Previously, this personal electrical system technology was not able to confirm the situation when the pirate brush was unable to confirm. The situation of this creative item technology has been faced with the risk of holding cash, and it has become a technology with multiple accounts. Each unit system, only to prevent the top of the transaction, the transaction can not prevent the center of gravity, and become a model of economic activity to the plastic economy crime transaction, so that the economic growth of the current financial institutions, the existing depository There is a multi-pass technology that almost partial bank remedies, such as the establishment of anti-theft laws. Therefore, it is the threat of the replacement of this new pulsating currency, especially the important financial exchanges of the network exhibition, because of the many sentiments and wireless communications, as well as the information system, and diversity. It is quite mature. There is no brush for the newsletter that has no or no news. The creative proposal does not have this. The re-creation of almost all game rules focuses on integrating some business process systems. ‘Financial father is easy to make quick cash transactions, but now it makes consumers reduce consumption. It is online online trading, and development, so it is crucial to ensure plastics. Diversification of the Tao, so that each of these consumers in the case of trading activities, it is often difficult to identify the financial market from the Internet, but the cardholders may be in the situation with the planned mature road and the knowledge of the field, still Personal infringement will be a single and informatized, plastic money willing or trader who is still in a safe currency to trade almost simultaneously, his financial status

Page 6 Ό纲Ό1% V. Invention Description (3) ” It is often the case that the system fails to control the financial resources. I have to make a slap in the face of the situation with the control of the letter.

rL material and the gender of a single point of the number of the order of the system is the body of the hand of the hard-wired line of the line hand no one borrowed, in order to prepare 1 is the end of the end of the creation of the Mingben Mingben The whole body of the letter is not determined by the change of the foot, and when it is used, it is used as a method to change the number of the side. When the number of the side is counted, the code is added. In the end, the internal process of the industry and the special issue of the sign of the special solution. In short, the whole party's security checkup makes the identity of the employee's body clear, and the control and the C-structure are in the first place. Jin Ming, said B block, the flow of the gold map As a coin, the goods will be glued, ^0 \ · · Rong D is the special business for its business, the flow of business B, the flow of the group, the fund, the F line, the A currency The number of plastics used in the plastics and the use of E to make the Taiwanese in the use of the general information with the 'bit G single number and other rights to the machine to ask for help to go out, to mention the shop C business as a machine, the location of the gold single The movement of B is a kind of money, and the money is glued to the plastic. When the time is right, the control is judged to be right, and then the control is used to control the body. The τ~_ AG coin number is the glue. The plastics are determined to be judged to be C. The machine is equipped with a machine D. In the heart of the gold, by the 2G No. 1 newsletter, after the card is recognized, the person who asks for the person to send it to Zhoufa makes the person E. A currency A currency plastic plastics plastics for the lack of capital or the number of digits to have a 'post-installed 2 and other G-telephone telecommunications certification, seeking to help The number F is set up with the person's information. If the equipment is set up, the number of the goods should be glued back to the plastic to recognize the DD heart -9- the middle management control to know the time, the same 3, G error number no confirmation A-line currency that is considered to be a return-to-business

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1 '一..,, - t — · V; invention description (4) authorization signal G 4 to financial institution C, financial institution C receives response to authorization signal G 4, then responds to the same response authorization signal G 4 to flow funds相关 the relevant unit, 俾 at the same time remit the funds into the relevant units of the capital flow, complete the transaction.

In the process, when the financial institution C sends the request authentication signal G 2 , the user's personal account fund information is simultaneously transmitted to the user's digital information device F, and at the time of transmission, the control center D Only the user's identity is compared and confirmed, the content of the commercial activity is not checked, and the user responds by confirming through the digital information device F, and simultaneously records the digital information device F every time the capital flow is performed. The amount of each transaction and the contents of the transaction, etc., facilitate the user to check the flow of funds at any time, and thus achieve the function of [electronic passbook]. In the process, the user can directly use the digital information device F to directly send the response authorization signal G 4 to the fund flow unit by the wireless signal, and accelerate the confirmation process. The financial institution C corresponds to the type of plastic currency, and corresponds to the relevant level: If the plastic currency A is a letter card, a cash card, etc., the corresponding financial institution C includes a card issuing bank and a card issuing center;

If the plastic currency A is a financial card or a withdrawal card, the corresponding financial institution C is the issuing bank. Among them, the communication platform D is a wireless communication platform using a mobile phone, a wired communication platform of the Internet, and a transmission platform related to digital communication.

Page 8 1:2 Miscellaneous (more) replacement page V. Description of the invention (5) Among them, the flow of funds B includes online shopping, internet transfer, online remittance, ATM withdrawal, ATM transfer, automatic Commercial activities of teller machine remittance, store credit card consumption and related capital flows. [Embodiment]

The implementation of this creation is divided into two parts, one is the diversified identity authentication system and the instant database system of the PDA mobile phone, and the other is the security process of the entire financial transaction. It can be said that the latter part is a new game rule. The former is a consumer consumer goods, so this invention is a supporting terminal equipment combined with the new system, the purpose is to create a safe environment for financial transactions, so that consumers and financial institutions win-win, economic problems The sinner is the only loser to promote the economic stability, stability and security of the international community. As shown in the second figure, when the user holds the credit card A 1 to the ATM B 2 for transfer, withdrawal or to the merchant (card reader) B 3 consumption or network consumption B 1 , the ATM B 2 and The merchant (swipe machine) B 3 then requests the authorization signal G for the card issuing center C 1 of the credit card A 1 , and after the card issuing center C 1 receives the signal, immediately requests the authorization signal G 1 from the issuing bank C 2 of the letter card A 1 . In order to confirm the correct credit card A 1

Sex (this can be called the first confirmation);

The card issuing bank C 2 confirms the identity of the user, and sends a request authorization signal G 1 to the control center D. At this time, the control center D recognizes the identity of the card holder of the credit card A 1 through the wireless communication platform E 1 or the Internet. Network E 2 sends a request for authentication signal G 2 to the card holder of credit card A 1 , credit card

Page 9 repair (more) replacement page 5, invention description (6) After the mobile phone F 1 or personal computer F 2 receives the request authentication signal G 2 by the cardholder of A 1, the content of the purchase or transfer is confirmed. After (which can be called the second confirmation), the control center D sends a reply authentication signal G 3 , and after the control center D receives the reply authentication signal G 3 , when the confirmation is correct, the response authorization signal G 4 is sent to the issuing bank C. 2, then the card issuing center C 1 forwards the response to the authorization signal G 4 to the ATM B 2 or the merchant (card reader) B 3 or the network consumer B 1 merchant (no credit card machine) to complete the entire transaction.

When the credit card A 1 holder receives the request authentication signal G 2 by using the mobile phone F 1 or the personal computer F 2, the credit card A 1 can check the status of the account through the mobile phone F 1 or the personal computer F 2 database, and then act through the action. The telephone F 1 directly transmits the response authorization signal G 4 to the ATM B 2 or the merchant (card reader) B 3 to complete the verification; if the network consumes B 1 , the credit card A 1 holder can also directly access the personal computer F 2 The verification process is completed by responding to the authorization signal G 4 to the merchant (card reader) B 3 and the merchant (no card reader) B 4 by the Internet transmission.

As shown in the third figure, when the user holds the financial card A 2 to the ATM B 2 for transfer, withdrawal, or when the network consumes B 1 , the ATM B 2 immediately proposes to the issuing bank C 2 of the financial card A 2 Request authorization signal G 1 ' to confirm the authenticity of financial card A 2 (this may be referred to as the first confirmation);

The issuing bank C 2 confirms the identity of the user, and sends a request authorization signal G 1 to the control center D. At this time, the control center D identifies the financial card A.

2 cardholder identity, through the wireless communication platform E 1 or the Internet E

Page 10————————————————————————————————————————————————————————————————— After the card person sends the request authentication signal G 2 , the card holder of the financial card A 2 receives the request authentication signal G 2 through the mobile phone F 1 or the personal computer F 2, and confirms the content of the purchase or transfer (may be called After the second confirmation), the control center D sends a reply authentication signal G 3 , and after the control center D receives the reply authentication signal G 3 , when the confirmation is correct, the response authorization signal G 4 is sent to the issuing bank C 2, and then the issuing bank C 2 sends a response to the authorization signal G 4 to the ATM B 2 to complete the transaction〇

In addition, when the financial card A 2 receives the request authentication signal G 2 by using the mobile phone F 1 or the personal computer F 2, the mobile phone F 1 or the personal computer F 2 database can be used to check the status of the account, and then The mobile phone F 1 directly transmits the response authorization signal G 4 to the ATM B 2 to complete the verification.

Page 11: 3⁄41 more exposed f 丨 ___________________ ^ Brief description of the schema [Simple description of the schema] The first diagram is a block diagram of the present invention. The second drawing is one of the flowcharts of the implementation of the present invention. The third figure is the second embodiment of the flow chart of the present invention. [Main component symbols illustrate plastic currency..... Credit card... Financial card... Money flow..... Internet consumption..... ATMs·· · · Merchants ( Credit card machine) · · Merchant (no credit card machine) · Financial institutions ..... Card issuing center ..... Card issuing bank ..... Control center ..... Communication platform ..... Wireless communication Platform · · · Internet..... Mobile Phone..... Personal Computer..... Digital Information Equipment · · · rH 〇〇IX 00 r-I IX 0A- IX aaabbbbbcccdeeefff

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Claims (1)

Sixth, the scope of application for patents." 1, electronic passbooks and plastic money anti-counterfeiting anti-theft methods, including plastic money, capital flows, financial institutions, control centers, communication platforms and digital information equipment processes; its process characteristics are: in plastic money In the case of a commercial act of capital flow, the fund's liquidity unit immediately requests the authorization of the financial institution of the plastic currency to confirm the identity of the user. At this time, the financial institution recognizes the authenticity of the plastic currency and the identity of the holder, and immediately controls it. The management center requests the authorization signal to confirm the identity of the user. After determining the user identity through the control center, the communication platform is used to send the authentication signal to the legal holder of the plastic currency, legally held by the plastic currency. After the digital information device receives the request for authentication signal, the digital information device responds to the authentication signal via the communication platform, and informs the control center to confirm that the commercial operation of the plastic currency is correct, and at the same time, the control center can respond to the authorization signal to the financial institution, the financial institution. Receive response authorization After the number, immediately respond to the same response to the authorization signal to the relevant unit to which the fund flows, and simultaneously transfer the funds to the relevant unit to which the fund flows, to achieve the double confirmation security mechanism between the financial institution and the user; At the time of the move, the amount of each transaction and the contents of the transaction are recorded through digital information devices. The inscription is beneficial to the user to check the flow of funds at any time to achieve the function of [electronic passbook]; and when the funds flow, the way to confirm the authorization The system further transmits the response authorization signal to the fund flow terminal directly by the digital information device in a wired or wireless manner, so as to facilitate quick confirmation and authorization. Page 14 All (more) are replacing 筲6, applying for patent scope 2, such as the electronic passbook and plastic currency anti-counterfeiting anti-theft method mentioned in the first paragraph of the patent application scope, wherein the financial institution corresponds to the type of plastic currency, and corresponds to the relevant level: plastic currency For credit cards, cash cards, etc., the corresponding financial institutions include issuing banks and card issuance centers; plastic money is financial cards, withdrawal cards, etc., and the corresponding financial institutions are issuing banks. 3. The electronic passbook and the plastic currency anti-counterfeiting anti-theft method described in claim 1 of the patent application scope, wherein the communication platform is a wireless communication platform for mobile phones, a wired communication platform for the Internet, and a transmission platform for digital communication. . 4. The electronic passbook and plastic currency anti-counterfeiting anti-theft method as described in item 1 of the patent application scope, wherein the fund flow is online shopping, internet transfer, internet remittance, automatic teller withdrawal, automatic teller transfer, automatic teller machine Business practices for remittances, store credit card consumption and related capital flows. Page 15