TWI344620B - Electrical mobile apparatus and method for electronic transactions - Google Patents

Electrical mobile apparatus and method for electronic transactions Download PDF

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Publication number
TWI344620B
TWI344620B TW96113701A TW96113701A TWI344620B TW I344620 B TWI344620 B TW I344620B TW 96113701 A TW96113701 A TW 96113701A TW 96113701 A TW96113701 A TW 96113701A TW I344620 B TWI344620 B TW I344620B
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Taiwan
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electronic
module
credit card
transaction
authentication
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TW96113701A
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Chinese (zh)
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TW200842743A (en
Inventor
Jung Chien Li
Che Yi Chang
Chuan Chuan Pai
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Egis Technology Inc
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1344620 九、發明說明: 【發明所屬之技術領域】 ^發曰月係關於/種可與-銷售點(Polnt 【先別技術】 :卡;r信用卡_,人‘==== 利性 =樣不但減低了現金失竊的風險,也增加了經 還需信用卡·持有人簽名,如此才仃交易’最後 程造成使用者等待的時間過長,_, t, :: 不在使用者的視線中,隱藏了被盜刷的可能'i。另 ;遺==^ 以人=作ί;;;=問視已=『歸 要直接將I替ί有ίΐ度由於現行信用卡交易仍採用簽名之架構, 5 1344620 ^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 與乜用卡,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用的風險, 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解決 的目標。 【發明内容】 本發明之一目的係提供一種電子行動裝置,無線連接至一銷 售點(Point of Sale)資訊管理系統’以進行一電子交易。該電子行 ,裝置包含貞取模組…記憶模組、—處理模組以及二認證交 易^。翻取模組肋取—使用者之—指紋。該記憶模組用 以諸存至少-註冊指紋特徵、至少一加密認證交易密碼及至少一 碼’其中各該至少一註冊指紋特徵係根據-合 ί使ί “預先產生。該處理模_以處理該所操取之指 娜====== 代碼以得一選定電子信用卡二= 戰易模組 .〃 1子彳§用卡基本㈣至該銷魏資訊管理系統。 卿;;;二::的::電種子= 6 1344620 5玄二註冊指紋特徵係根據—合法使用者之一指紋預先產生。 交易模_以儲存至少―電子飼卡基本資料;該認證交 \且用以判斷该擷取指紋特徵係對應至該至少一註冊指纹 徵」以及該認證交易模組用以傳送該至少一電子信用卡基本資料 至S亥銷售點資訊管理系統。 、 雜隹月ί又一目的係提供一種電子行動裝置,無線連接至一 ir目取if官,統’以進行—電子交易。該電子行動裝置包含 日憶模組、—處理模組及一認證交易模組。該操 纤以娜""使用者之—指紋;該記憶模組用以儲存至少- i密石ί ίί至少—電子信用卡身分資訊、至少—加密認證交 特二ΐ密電子信用卡代碼,其中各該至少—註冊指紋 理^所使用者之—指紋預先產生。該處理模組用以處 特以係‘庫I,t產生一擷取指紋特徵’以判斷該擷取指紋 干4自:註冊指紋特徵;該處理模組用以產生-顯 Γ少—電子信用卡身分資訊;該處理模組 -加取得該至少—加密認證交易密碼及該至少 八一在電子仏用卡代碼’該選定訊號包含該至少__電子 處理模組用以解密該加龍證交易密碼以得二選定切 f ίϊΐ子ίίΐίί模組用,密該加密電子信用卡代石糾1344620 IX. Description of the invention: [Technical field to which the invention belongs] ^Faun month is related to / can be - sales point (Polnt [first technology]: card; r credit card _, person' ==== interest = sample Not only reduces the risk of cash theft, but also increases the need for a credit card holder's signature, so that the transaction 'the last process caused the user to wait too long, _, t, :: is not in the user's sight, Hidden the possibility of stolen brush 'i. Another; legacy == ^ by people = for ί;;; = query has been = "return to directly to I have ί ΐ 由于 由于 由于 由于 由于 由于 由于 由于 由于 由于 由于 由于5 1344620 ^ In summary, in the traditional credit card transaction process, 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 and the use card, these two modern people must The article, in order to shorten the time spent on the entire credit card, easy to process, and reduce the risk of lost and stolen credit card, and then generate a new credit card transaction mechanism, is still the goal that the industry still needs to work hard to solve. 】 One object of the present invention is to provide an electronic mobile device wirelessly connected to a point of sale information management system for conducting an electronic transaction. The electronic device includes a capture module, a memory module, and a processing unit. The module and the second authentication transaction ^. The module rib is taken - the user's fingerprint. The memory module is used to store at least - a registered fingerprint feature, at least one encrypted authentication transaction password and at least one code 'each of which at least A registered fingerprint feature is pre-generated according to - ί ί. The processing modulo _ to process the fucked instructional ====== code to obtain a selected electronic credit card 2 = warfare module. 〃 1彳 § Use the card basic (four) to the sales information management system. Qing;;; 2:::: electric seed = 6 1344620 5 Xuan two registered fingerprint features are based on the fingerprint of one of the legitimate users. _ storing at least "electronic feeding card basic data; the authentication is used to determine that the captured fingerprint feature corresponds to the at least one registered fingerprint" and the authentication transaction module is configured to transmit the at least one electronic credit card basic data To Shai The point-of-sale information management system. The purpose of the magazine is to provide an electronic mobile device that is wirelessly connected to an ir Processing module and an authentication transaction module. The operation module uses a user's fingerprint; the memory module is used to store at least - i-dense ί ί ί - at least - electronic credit card identity information, at least - encryption authentication A special electronic credit card code, wherein each of the at least one of the users of the texture is pre-generated by the fingerprint. The processing module is configured to generate a fingerprint feature by the library 'I, t Determining the fingerprint fingerprint 4 from: registration fingerprint feature; the processing module is configured to generate - display less - electronic credit card identity information; the processing module - adding the at least - encrypted authentication transaction password and the at least one in The electronic card code 'The selected signal includes the at least __ electronic processing module for decrypting the Garonne card transaction password to obtain the second selected cut ί ί ί ί 模组 密 加密Correct

本貢料,以因應該選找證 U 子信用卡代碼對應之該至少—電二:取:;f選疋電 銷售點資訊管理系統。 土 _貝料,並傳送至該 銷隹的=供一種電子行動裝置,無線連接1-忿=模:該電子行動裝置包含 指4Ξ ΐ-ί,ί县ίί理模組用以處理該指紋以產生-操取 至少-註冊指紋特徵係根據—合法使用者之 7 以;存至少一電子信用卡身分資訊及至少-電子 ;,=顯;用以產生一顯示訊 因應-選定訊號以獲得該理模組用以 管理系統。至少—f子制卡基本:#料至闕售點資訊 電手〜:的係提供-種電子交易方法’該方法用於-襄行動裝置無線連接至—銷售點資訊管理系 i ^ 父易。該電子行動裝置包含―操取模組、一記憶 4二::SS模Ϊ?及一認證交易模組。該記憶模組儲存至少: 曰紋特徵、至少-加密認證交易密碼及至少—加密電子 各該至少一註冊指紋特徵係根據一合法使用者:; 。該認證交祕組儲存至少—電該 ,子法包含下列步驟:令賴取模_取-使用 處理該所擷取之指紋以產生-擷取指紋特徵; 二該擷取指紋特徵係對應至該至少-註冊指紋特 ^,、俾獲件,亥至少-加密認證交易密石馬及該至少一加密電子信 £令Ϊ處Ϊ模組解密該加密認證交易密碼以得一選定^證 父易^碼’,該處賴轉密該加密電子信时代碼以得 電子信用卡代碼;令該認證交賴組随該選定認證交易密 擷取與該選定電子制卡代碼對應之該至少—電子剝卡基木次 ϋ二以?令該認證交易模組傳送該電子信用卡基本資料至該鎖! 點資訊管理系統。 月° 本發明之又-目的係提供一種電子交易方法,該方法用於— 電子行動裝置。該電子行練置無線連接至—銷售蹄訊理 統以進行-電子交易。該電子行動裝置包含—擷取模組、= 模組以及-認證交賴組,該認證交易模_存至少—註冊 特徵及至少-電子㈣卡基本資料,各該至少—註冊指紋特徵係 ^44620 合法制者之-指紋預先產生。該電子交易方法包含 兮〜ίϊΓϊΐίΓ:使用者之一指紋;令該處理模組處理 二特應至該至少—註冊指紋特徵;以及令該認證交易模i 傳运該至>、-電子信用卡基本資料至該銷售點資訊管理系統。 電子另係提供—種電子交易方法,該方法用於一 統子ίίΤ=;;ί;Γ銷售點資訊管理系 抬, > 易該電子讀裝置包含—操取模H情 理模組以及—認證交易模組。該記憶模組儲存至^ 曰紋特徵、至少-電子侧卡身分資訊、至少—加密切 電:信用卡代碼,各該至少-註冊指紋特徵 指指;;=理模組處理該所 應—選定,子仏用卡身分資訊;令該處理模组因 用卡代碼,該選定訊號選定該至少—電子信ϊΐ身ϋ 二處理模組解魏加密認證交易㈣以得 n 信用卡代碼:令賴證交雜 選疋電子 與該選找作用卡代顧庙應销❿以易密碼’糊取 以及令W六$ η日值、丨應之紅少—電子信用卡基本資料; 訊管理%該電子信用卡基本資料至該銷售點資 電子行系2供一種電子交易方法,該方法用於-統以進行:f ^ 〇二裝置無線連接至—銷f點資訊管理系 9 =各卡身分資訊及至少1子信用卡基本資 產生。ϊ電J交^方、c⑽艮據-合法使用者之-指紋預先 者之-指紋;令該處:令該擷取模組擷取-使用 令該顧☆二/tf處理該指紋以產生—擷取指紋特徵; 子信用卡身八次部·、ι ”、、員不讯心,以指示顯示該至少一電 -電子&理模組因應—選定訊號以取得該至少 子ίΐίΞίίίΓ 及令該認證交易模組傳送該至少-電 凡用卡基本身料至該銷售點資訊管理系統。 4 裝置行電子信用卡交易,其中該行動 且=易二安全機制係使用指 合法使用者後,由丨斷使用者為 時門用ϊϊγί效解決習知的信用卡之交易中,交易 盜;::再者卡攜由帶於不本二^ =信_理、及電,因mu' 在參閱圖式輯後描叙實财式後,該 =便可瞭解本發明之其他目的,以及本發明二以 【實施方式】 本發明之第-實施例如第丨_示,係為—電子行動裂置】, 10 丄J咔呼ϋζυ 一使用者欲將此電子行動奘 驗)資訊管理系統,以連接^一銷售點(P〇im of 使商店利用掃晦器、條石馬電^易° =點資訊管理系統為 電子數據處理器,以f+lgrai二」^幾、來客顯示器與收銀機等 处0以對商品做掃猫、收銀等銷售工作之系統。 理模組擷取模組1G卜-記憶模組103、-處 組107包含一認證模組组1^認證交易模 存有此電子行動裝置〗少人4 +彳毛k模組113。記憶模組103 特徵(即左拇指註冊指_=吏5==)之五個註冊指紋 指紋特徵、左無名指㈣H/才曰5主冊指紋特徵、左中指註冊 ,加密認證交易密碼及五個力:密以指紋特徵)、五個 之認證模組:料蝴:認贼易模組w 置1之使用Jit二 判斷使用此電子行動裝 子交易。一般常提到的指纹裝置1方此被操作以進行電 確定此兩牧指紋是否為同—f 17疋比對兩枚指紋上之特徵,以 註冊指紋特徵,係根據^^實施例中所提到之 之指紋所預先產生。 装置1之s法使用者(即擁有者) 個加ί徵、扇°細_密碼、五 係。認證交易模、组107 用卡基本資料及其彼此間之關 用者所擁有之荷蘭銀行㈣+子張電子信用卡基本資料為此使 本資料、玉山銀行信用;】’國信託銀行信用卡基 信用卡卡號、使啤料包含了 至荷,―及H,其中A對應 土本貝科,C對應至帽信託銀行信用卡基本 行侧卡基本轉、f職至富邦銀行信用 匯豐銀行信用卡基本資料。五個加密電子 ^ e(A) ^ 信用卡代碼分別對應至五^電刊 密。由ί五個電子 力在電托时代碼亦分珊絲五_作时基本資料。 ααα^Τ=易密Λ為、CCC、EEE、FFF 及 HHH,其中 信用卡基^ 料’ccc對應至帽信託銀行 庳至舍郝相乂 ^,e對應至山銀行信用卡基本資料、卿對This tribute, in order to choose to find the U sub-credit card code corresponding to the at least - electricity two: take:; f choose the electricity sales point information management system. Soil_beaker, and transferred to the pin = for an electronic mobile device, wireless connection 1-忿 = mode: the electronic mobile device includes a finger Ξ ί - ί, ί ί ί 模组 用以 用以 处理 处理Generating - operating at least - registering fingerprint features based on - legal user 7; storing at least one electronic credit card identity information and at least - electronic;, = display; for generating a display signal - selecting signal to obtain the model Groups are used to manage the system. At least -f sub-card basic: #料到阙点信息 电手〜: The system provides - an electronic trading method' This method is used for -襄 mobile device wireless connection to - point of sale information management system i ^ father easy. The electronic mobile device includes an operation module, a memory 4:: SS module, and an authentication transaction module. The memory module stores at least: a stencil feature, at least - an encrypted authentication transaction password, and at least - an encrypted electronic feature. Each of the at least one registered fingerprint feature is based on a legitimate user:; The authentication secret group stores at least the electricity, and the sub-method includes the steps of: processing the captured fingerprint to generate a fingerprint feature; and obtaining the fingerprint feature corresponding to the At least - register fingerprint, ^, capture, at least - encrypted authentication transaction, and the at least one encrypted electronic message, the module decrypts the encrypted authentication transaction password to obtain a selected certificate. a code 'where the encrypted electronic time code is obtained to obtain an electronic credit card code; and the authentication trusting group retrieves the at least one electronic stripping card corresponding to the selected electronic card code with the selected authentication transaction key What is the second time? Let the authentication transaction module transmit the electronic credit card basic information to the lock! Point information management system. A further object of the present invention is to provide an electronic transaction method for use in an electronic mobile device. The electronic line is configured to wirelessly connect to the sales of the hoof to conduct electronic transactions. The electronic mobile device comprises: a capture module, a module, and a certification negotiation group, the authentication transaction mode _ storing at least - registration features and at least - electronic (four) card basic data, each of the at least - registered fingerprint feature system ^44620 The legal system - the fingerprint is pre-generated. The electronic transaction method includes: 之一 ϊΓϊΐ ϊΓϊΐ Γ Γ Γ 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者 使用者Information to the point of sale information management system. The electronic system provides an electronic trading method, which is used for a unified ί 子 ί ; Γ Γ Γ Γ Γ Γ & & & & & & & & & & & & & & & & & & 该 该 该 该 该 该 该 该 该 该 该 该Module. The memory module stores to the 曰 pattern feature, at least - the electronic side card identity information, at least - the close power: the credit card code, each of the at least - the registered fingerprint feature finger;; = the rational module handles the response - selected, The sub-card uses the card identity information; so that the processing module selects the at least one of the selected signals by using the card code, the second processing module solves the Wei encryption authentication transaction (4) to obtain the credit card code: The selection of the electronic and the selection of the role of the card to the temple should be sold with the easy password 'paste and make W six $ η daily value, the red should be less - electronic credit card basic information; management % of the electronic credit card basic information to The sales point electronic system 2 is provided for an electronic transaction method, and the method is used for: f ^ 装置2 device wireless connection to - pin f point information management system 9 = card identity information and at least 1 child credit card basic Capital generation. ϊ J 交 、 、 、 、 、 、 、 、 、 、 、 、 、 、 合法 合法 合法 合法 合法 合法 合法 合法 合法 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 指纹Capture the fingerprint feature; the sub-credit card is in the eighth-order, ι ”, and the member does not receive a message, and indicates that the at least one electro-electronic & module selects the signal to obtain the at least sub- ί ΐ Ξ Ξ Γ The transaction module transmits the at least the basic body of the card to the point of sale information management system. 4 The device conducts an electronic credit card transaction, wherein the action and the second security mechanism are used by the legal user, and are used by the user. For the time door to use ϊϊγί effect to solve the customary credit card transaction, the transaction is stolen;:: the card is carried by the non-negative ^^信_理,和电, because mu' is in the picture After the financial formula, the other objects of the present invention can be understood, and the second embodiment of the present invention is embodied in the first embodiment of the present invention, for example, the electronic action splitting, 10 丄J咔 ϋζυ ϋζυ a user wants to test this electronic action) information management system To connect to a sales point (P〇im of to make the store use the broom, the stone horse electric ^ easy ° = point information management system for the electronic data processor, f + lgrai two" ^ several, visitor display and cashier The machine is equipped with a system for selling goods such as sweeping cats and cashiers. The module capture module 1G-memory module 103, the group 107 includes an authentication module group 1 The electronic mobile device is a small person 4 + mane k module 113. The memory module 103 features (ie, left thumb registration refers to _=吏5==) five registered fingerprint features, left ring finger (four) H / talent 5 main Book fingerprint feature, left middle finger registration, encrypted authentication transaction password and five forces: dense fingerprint feature), five authentication modules: material butterfly: thief easy module w set 1 use Jit two judge use this electronic action Loading transactions. Generally, the fingerprint device 1 is generally operated to determine whether the fingerprints of the two herds are the same as the characteristics of the two fingerprints, so as to register the fingerprint features, according to the method of the ^^ The fingerprints are pre-generated. The user of the device 1 (ie, the owner) is added to the card, the fan, the password, and the five systems. The certification transaction model, group 107 uses the basic information of the card and the related information of the Dutch bank (4) + sub-card electronic credit card owned by each other to make this information, Yushan Bank credit;] 'national trust bank credit card base credit card number The beer is included in the lotus, and H, where A corresponds to Tubeba, C corresponds to the basic bank card of the trust bank, and the basic information of the credit card of Fubon Bank Credit HSBC. Five Encrypted Electronics ^ e(A) ^ The credit card codes correspond to the five e-books. The code of the five electronic forces in the power supply is also divided into the basic information. Ααα^Τ=易密Λ, CCC, EEE, FFF and HHH, in which the credit card base material 'ccc corresponds to the hat trust bank 庳至舍郝相乂 ^,e corresponds to the Shanshan bank credit card basic information, Qing pair

。五對歧匯豐銀行信用卡基 艿Τίυυ 心姐易捃碼係為加密AAA、CCC、EEE、FFF 及《ΗΗΗ)Γ?广分別以 6(ΑΑΑ) ' e(CCQ ' <ΕΕΕ)、e(FFF) 卡臭太次* 於五㈣證交㈣碼分斯應至五張電子信用 基ίίί之五個加密認證交易密碼亦分別對應至五張 f個註冊指紋特徵分別對應至五個加密電子信用卡代碼其中 五個加密認證交易密碼其中之一。且體而十, ^=_至e㈧及e(偷)、左食指註儲^徵對應 中指註冊指紋特徵對應至e(E)及e(EEE)、左無名指 ίίί 對應至啦)及e(FFF)及左小指註冊指紋特徵對應至 e(HHH)。表一彙整上述之對應關係,以便閱讀。 -----— 表一 s主冊指紋特 徵 電子信用卡基本 資料 加密電子信 用卡代碼 ----- 加密認證 交易密碼 左拇指註冊 寺徵 何蘭銀行信用卡 基本資料 e(A) e(AAA) 12. Five pairs of HSBC bank credit card base 艿Τ υυ υυ υυ υυ υυ 加密 加密 加密 AAA AAA AAA AAA AAA AAA AAA AAA AAA AAA 加密 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广 广) The card smells too much * The five (four) certificate exchange (four) code points to five electronic credit bases 加密 五个 five encryption authentication transaction passwords are also corresponding to five f registration fingerprint features respectively corresponding to five encrypted electronic credit card codes One of the five encrypted authentication transaction passwords. And body, ten, ^=_ to e (eight) and e (stealing), left index finger deposits and signs corresponding to the middle finger registration fingerprint feature corresponding to e (E) and e (EEE), left ring finger ί ίί corresponds to ah) and e (FFF And the left little finger registration fingerprint feature corresponds to e(HHH). Table 1 summarizes the above correspondences for reading. ------ Table 1 s main book fingerprint feature Electronic credit card basic information Encrypted electronic letter Card code ----- Encryption authentication Transaction password Left thumb registration Temple Zheng Helan Bank Credit Card Basic information e(A) e(AAA) 12

丄:)外仔ϋ/rU 丄:)外仔ϋ/rU 中國k託銀行信 玉山銀行信用卡 富邦銀行信用卡 匯豐銀行信用卡 產查1料 e(C) e(CCC) e(E) e(EEE) e(F) e(FFF) e(H) e(HHH) 左食指註冊 指紋特徵 左中指註冊 指紋特徵 左無名指註 冊指紋特微 左小指註冊 指紋特徵 密信ΐ卡個徵、五個加密認證交易密碼、五個加 ίΐϊΐΐϊΐ如何利用 此電子4動農i1與銷售點資訊^理系 可為任何可i取取:用者之指紋,其中擷取模組101 ⑼所擷取之指紋為使用者置之力如感測器。在此假設榻取模組 應至該二==斷= 冊指紋; r應至此掏取;:指;::^^中,選 ==對 否對應至转缺贿^料技術 13 1344620丄:) 外仔ϋ/rU 丄:) 外仔ϋ/rU China kTO Bank Letter Yushan Bank Credit Card Fubon Bank Credit Card HSBC Bank Credit Card Production Check 1 Material e(C) e(CCC) e(E) e(EEE e(F) e(FFF) e(H) e(HHH) Left index finger registered fingerprint feature left middle finger registered fingerprint feature left ring finger registered fingerprint special micro left little finger registered fingerprint feature secret letter Leica sign, five encrypted authentication transactions How to use this electronic 4 mobile farm i1 and point of sale information can be used for any user's fingerprint, where the fingerprint captured by the capture module 101 (9) is used by the user. Force as a sensor. It is assumed here that the couching module should go to the second == break = book fingerprint; r should be drawn here;: finger;:: ^^, select == right no corresponding to the lack of bribes technology 13 1344620

Davide Maltoni, Dario Maio, Anil K. Jain, Salil Prabhakar, “Handbook of Fingerprint Recognition”,Springer-2003。 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(CCC);再自該等加密電子信用卡代碼中 (即’ e(A)、e(C)、e(E)、e(F)及e(H)),選擇對應至該選定註冊指紋 特徵者’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,以分別得到一選定Davide Maltoni, Dario Maio, Anil K. Jain, Salil Prabhakar, "Handbook of Fingerprint Recognition", Springer-2003. 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 aforementioned 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(CCC); and then from the encrypted electronic credit card code (ie 'e(A), e(C), e(E), e(F), and e(H)), selecting the one corresponding to the selected registered fingerprint feature', ie e(c). Next, the processing module 105 decrypts the encrypted authentication transaction password e (CCC) and the encrypted electronic credit card code e(c) respectively to obtain a selected one.

交^密碼CCC及一選定電子信用卡代碼c。此處所述解密加 岔έ忍證交易密碼及解密加密電子信用卡代碼之方法可為對應於前 述加密方法之習知技術,在此不加贅述。 、在處理模組105獲得選定認證交易密碼CCC及選定電子信用 =碼C後’認證交易模组107之認證模组⑴根據選定認^交 ί C娜出與奴1子侧卡代碼C姆應之電子信用卡 二二;I ’即使用者之中國信託銀行信用卡基本資料(即選定電子 ί 著,認證交易模組107之接收/發送模組113傳送 信用卡基本資料(即選定電子信用卡資訊)及電子交 巧父1 物品代號、交易金額等)至銷售點資訊管理系統以 後,顯示模組109顯示電子交易之結果。其中, Γ也二且可為一安全記憶體(Secure Memory)、一智慧4、、一 =卡七^賴陳)卡,但不以此為限。由於認^^ 資料較全=於因111内處理電子信用卡基本 訊模組 内建例之配置,合法使用者可事先於電子行動裝置! 自己私紋的s主冊指紋特徵,並儲存 、 再將註冊指紋特徵與電子信用卡基本資料建立:結關;二 14 1344620 當此合法使用者欲利用此電子行動裝置】内之電子信用卡基本資 料進行電子交易時,僅需按捺先前註冊指紋之手指,此電子行動 裝置1即可進行比對驗證之工作,再選擇相對應之電子信用卡基 本資料以進行電子交易。由於第一實施例之認證交易模組為— 全記憶體,因此可提供使用者安全且方便之交易環境。 本發明之第二實施例如第2 _示,其係為—電子行動裝 2,-使用者欲將此電子行動奸2無線連接至蹄訊管理 系統’以進行-電子交易。電子行動裝置2包含—娜模組加、 -處理模組203、-認證交易模級2()5及一顯示模組2〇7。認證 易模組205包含一認證模組2〇9及一接收/發送模組211,其中, 認證模組209可為-安全記憶體、_智慧卡、一—卡或」、s^ 211 資料認,财严個註冊指紋特徵及五個t子信用卡基本 冊指紋特徵、五個電子信用卡基本資 係根“Ϊ行指紋特徵 拇指指紋產手=模組203處理使用者之左手 證模也2⑻H左手拇才曰才文特徵。認證交易模組2〇5之認 冊指㈣者騎此触左手触缺舰是研應至五個註Pass the password CCC and a selected electronic credit card code c. The method of decrypting the forcible transaction password and decrypting the encrypted electronic credit card code herein may be a conventional technique corresponding to the foregoing encryption method, and will not be described herein. After the processing module 105 obtains the selected authentication transaction password CCC and the selected electronic credit=code C, the authentication module of the authentication transaction module 107 (1) according to the selected authentication and payment ίC Na and the slave 1 child side card code C should be Electronic credit card 22; I' is the user's China Trust Bank credit card basic information (ie selected electronic, the receiving/sending module 113 of the authentication transaction module 107 transmits credit card basic data (ie selected electronic credit card information) and electronic After the agent 1 code, transaction amount, etc.) to the point of sale information management system, the display module 109 displays the results of the electronic transaction. Among them, you can also use a secure memory (Secure Memory), a smart 4, and a = card 7 ^ Lai Chen card, but not limited to this. Since the information of the ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ The fingerprint feature of the s main book of his own private pattern, and store and then establish the registered fingerprint feature and the basic data of the electronic credit card: customs clearance; 2 14 1344620 When the legitimate user wants to use the electronic credit card basic information in the electronic mobile device] In the transaction, the electronic mobile device 1 can perform the work of the comparison verification by pressing the finger of the previously registered fingerprint, and then select the corresponding electronic credit card basic data for electronic transaction. Since the authentication transaction module of the first embodiment is - full memory, it can provide a safe and convenient trading environment for the user. A second embodiment of the present invention, e.g., the second embodiment, is an electronic mobile device 2, and the user desires to wirelessly connect the electronic action agent 2 to the shoe management system for electronic transaction. The electronic mobile device 2 includes a module, a processing module 203, an authentication transaction module 2 () 5, and a display module 2〇7. The authentication module 205 includes an authentication module 2〇9 and a receiving/transmitting module 211. The authentication module 209 can be a secure memory, a smart card, a card or a s^ 211 data identification. , the registered fingerprint features of the financial and five t-card credit card basic fingerprint features, five electronic credit card basic resources root "Ϊ fingerprint feature thumb fingerprint production hand = module 203 processing user's left hand certificate also 2 (8) H left hand thumb The characteristics of the talents. The certification of the transaction module 2〇5 refers to (4) the rider touches the left hand and touches the missing ship.

Si 判斷結果由顯示模請顯示出來。Γ有 、抖之後豆父易模組205之接收/發送模組 15 1344620 2U傳送荷蘭銀行電子信用卡基本資 交易之内容至銷售點資訊管理系統以^成資訊)及 組207將顯示電子交易之結果。 電子乂易。最後顯示模 -眚,實施例與第二實施例主要不同處在於,第二實雜娜笛 交易二儲存於認證 览凡用卡基本貝枓’便能以較安钱方式完成電子交易。 t明之第三實施例為—電子行動裝置3 處理模組305、-認證二I 7記憶模組303、一 r之電子行動3裝置 在於記憶模組303、處理模⑽〇5錢-心劲裝置1之主要差異 將僅詳述差異之部份 及顯碰组309,故第三實施例 佶用記?模組303除了儲存此電子行動裝置3之合法 指密瑪及五個加密 于、以及(5)匯豐銀行。認證交易模組107之 五張電子信用卡基本資料。表二係、列出新增 密口電子Γ用卡//f訊、五個加密認證交易密碼、五個加 在電子U卡代碼、五_子制卡基本資槪其狀對應關係。 電子信用卡1電子信用卡基本 一身分資訊1 資料__ 加密電子信 加密認證 L用卡代碼 交易密碼 16 xj4462〇 (1)荷蘭銀行 1_—--- 荷蘭銀行信用卡 基本資料 e(A) e(AAA) (2)中國信託 中國信託銀行信 用卡基本資料 e(C) e(CCC) (3)玉山銀行 玉山銀行彳吕用卡 基本資料 e(E) e(EEE) (4)富邦銀行 富邦銀行信用卡 基本資料 e(F) e(FFF) ⑶匯豐銀行 匯豐銀行信用卡 基本資料 _ ·— e(H) e(HHH) ^要特別強調的是,五個註冊指紋特徵與五個電子信用卡身分 資訊、五個加密認證交«碼、五個加密電子侧卡^碼及 電子信用卡資訊之間並不具有對應關係。The result of the Si judgment is displayed by the display mode. After receiving and shaking, the receiving/sending module of the bean parent module 205 15 1344620 2U transmits the contents of the Dutch bank electronic credit card basic capital transaction to the point of sale information management system to the information and the group 207 will display the result of the electronic transaction. . Electronic trade. Finally, the modulo-眚 is displayed. The main difference between the embodiment and the second embodiment is that the second real idiot transaction 2 is stored in the certificate, and the electronic transaction can be completed in a safer manner. The third embodiment of the present invention is an electronic mobile device 3 processing module 305, an authentication two I 7 memory module 303, an electronic device 3 in the memory module 303, a processing module (10) 〇 5 money-heart device The main difference of 1 will only detail the difference and the touch group 309. Therefore, the third embodiment uses the memory module 303 in addition to storing the legal fingerprint of the electronic mobile device 3 and five encryptions, and 5) HSBC Bank. Five pieces of electronic credit card basic information of the authentication transaction module 107. Table 2 is a list of the new secret electronic card//f message, five encrypted authentication transaction passwords, five electronic U-card codes, and five-sub-card basic assets. Electronic credit card 1 electronic credit card basic one identity information 1 information __ encrypted electronic letter encryption authentication L card code transaction password 16 xj4462 〇 (1) Dutch bank 1_---- Dutch bank credit card basic information e (A) e (AAA) (2) China Trust China Trust Bank Credit Card Basic Information e(C) e(CCC) (3) Yushan Bank Yushan Bank 彳 吕用卡Basic Information e(E) e(EEE) (4) Fubon Bank Fubon Bank Credit Card Basic information e(F) e(FFF) (3) HSBC Bank HSBC Credit Card Basic Information _ ·- e(H) e(HHH) ^ It is important to emphasize that five registered fingerprint features and five electronic credit card identity information, five There is no correspondence between the encryption authentication, the code, the five encrypted electronic side card codes, and the electronic credit card information.

第三實施例中,模組1()1操取使用者之指紋後,處理模 、、且305處理使用者之指紋以產生一操取指紋特徵 掘 組305判斷此擷取指紋特徵是否對應至該等註冊指紋特徵^ = 。在此假6又判斷之結果為是,則處理模組3〇5接 一 巧’以指示,$3〇9顯示前述之五個電子信用卡身分 何銀行、(2)中國、(3)玉山銀行、⑷富邦銀 )士 銀行,供使用者選擇。㈣者接著自這五個電子信^^豐 擇-’以產生-選定訊號。假設使用者選擇(3 :貝成 組305接著因應此選定訊號以取得相對應的切艮 e(EEE)及相對應的加密電子信用卡代碼e(E)。在w。兄又易岔碼 第三實__之辑鄕_實__In the third embodiment, after the module 1 (1) manipulates the fingerprint of the user, the module is processed, and 305 processes the fingerprint of the user to generate a fingerprint feature group 305 to determine whether the captured fingerprint feature corresponds to These registered fingerprint features ^ = . After the result of the judgment 6 is YES, the processing module 3〇5 picks up a 'to indicate, $3〇9 shows the aforementioned five electronic credit card identity He Bank, (2) China, (3) Yushan Bank, (4) Fubon Silver Bank, for users to choose. (4) The person then proceeds from these five electronic messages to generate a selected signal. Assume that the user selects (3: Bay Group 305 then responds to the selected signal to obtain the corresponding switch e (EEE) and the corresponding encrypted electronic credit card code e (E). __之之鄕_实__

處理模組歸別將加㈣證交易密碼卿)及力:g子J: J 1344620 2 e(E)予以解密’以分別得$卜選定認證交易密碼脈及一選 述解密加密認證交易密碼及解密加 法可賴應於前述加打法之習知技術, 組111再根據選定認證交易密喝ΕΕΕ擷取 疋電子彳,用卡代碼_對應之電子_卡基本=#料(即選定 Π广卡資tfl) ’也就是使用者之玉山銀行信 接,,m傳送玉山銀行電子信用卡基本=交J =谷(包'父易金額等)至銷售點資訊管理系統以完成電子^易; 後,顯示模組309顯示電子交易之結果。 藉由第三實施例之配置,合法使用者可事 内建立自己指朗註冊缺舰,並齡 與第-實施例不同之處在於nt :用卡基本貝料。 :ϊ2ΐίϊ = :ΐ:識之用。待使用者輸入指紋後,使用 第三實_,本發賴供了更鄕㈣f子交时透過 子行g 3 為—f子行動裝置4 ’―使用者欲將此電 S 包含:擷取模組201、—處理: 證模組407及-接收/發^^ 405第認=易模組401包含一認 、處理模,组403及顯示^ 4 ^ ^在於5忍證父易模Μ 之部份。 .,貞丁杈組405,故第四實施例將僅詳述差異 之合405除了齡電子行動裝置4 外,更儲存了五鱗子二日+^及五,子信用卡基本資料 用卡基本㈣謂應_與第三實施例姻,在此不 1344620 加贅述。 第四實施例中,在掏取模組2〇1操取使用者指紋 ^模組403處理使用者之指紋以產生—擷取指紋特徵 '又由 易之認證模組4〇7接著判斷此娜指紋特徵是否 二五t古2紋特徵之一,並將判斷結果由顯示模組4〇5顯 對严之註冊指紋特徵’則得到相對應之電子作用卡 i本資f,處理模組403亦會產生一顯示訊息,指示顯示 ,_擇。㈣者接 =這= :=號=㈣之‘用生卡基選 用卡貝訊。接下來,認證交易模粗4〇 电卞1。 含 結果。 敢後.”、員不模組405顯示電子交易之 .實」 易模組401 t,意即儲存於—較安全^二 透過加密認證交易密碼及 實施例不需 模式取出電子信用卡基本資料电代用卡代碼’便可㈣立“ 易。 存個註職_徵鱗於認證交 便可以較安全的 ’故可以較安全的方式完成電子交 實施係么-f電子交易方法’係用於如第一 500令操取模組1〇1'掏取—使g繪。首先,步驟 模組〗03處理使用者指二接下來步驟50〗令處理 令處理模組W3判_砲一操取指紋特徵。之後,步驟502 加密認證交易密碼及加密電子·冊指紋特徵,以獲得 示模組109顯示判斷結果^ 。接下來步驟503令顯 證交易密碼以得一選定 ^ 504々=里模組】〇3解密加密認 乂易料,步驟奶令處理模組如 19 1344620 解密加密電子信用卡代碼以得一選定電子信用卡代碼。 之後,步驟506令認證交易模組1〇7根據選定認證交易密碼 取出與選定電子信用卡代碼相對應之電子信用卡基本資料,步驟 令&3證父易模組KT7傳送電子信用卡基本資料至銷售點資訊 官理系統以完成電子交易。更詳細來說,由於認證交易模组1〇7 包含一認證模組111及一接收/發送模組113,因此步驟5〇6更可 為令S忍證模組111根據選定認證交易密碼取出與選定 代碼相對應之電子信用卡基本資料。而步驟507更可 ° 成電子父易。最後’步驟508令顯示模組1〇9顯示電子交易之結 果0 为、口 除了第5圖所描繪之步驟外’第五實施例雜執行第 及功能。所屬技術領域具有通常知識者可直接ί解 如何基於上述第—實施例以執行此等操作及功能:故 本發明之第六實施例係為—種電子交易方法 例所述之行動裝置2,其流程圖如第6圖所描繪。、先 600令擷取模組201擷取一使用者之指纹, a = 模組203處理使用者之指心& 接下來步驟_令處理 令認證交賴Ϊ取,步驟· 特徵其中之-。如步驟?0==:=== 本齡如步驟602之結果為S,則牛用卡基 重新擷取使用者之狀。之後,句_令姆模組· 斷結果。接下來步驟604令認證^模=7顯示判 本資料至銷售點資訊管理系統以完;ii、子交易傳达電子信用卡基 更詳細來說’由於認證交易模组 一接收/發送模組21卜因此步驟⑽更上艾一認證模組209及 操取指紋特徵是否符合註冊指紋更證模組2〇9判斷 又如有符合,則得到電子信 20 1344620 不符合,則回到步驟_令擷取模組201重新 =====成易。最 例之圖,繪之步驟外,第六實施例亦能執行第二實施 第六實施例二::丄3技=域具有通常知識者可直接瞭解 不贅述。 土;述第一實施例以執行此等操作及功能。故 實施彳 f 法,侧於如第三 i 〇1摘取依使用者之指紋,接下來步驟7〇1令 g 7fP ^ Γ理使用者之指紋產生一摘取指紋特徵。之後,步 ^ 模組3〇5判斷娜指紋特徵是否對應至註冊指紋特 U二拥02-之結果為否則返回至步驟700。若步驟702之結 為疋,則執行步驟703令顯示模組309顯示判斷結果。 顯干,令處理模組305產生一顯示訊息,以指示 S f卡身分育訊,之後,步驟7G5令顯示模組309顯示 不U制者選擇。待制者自該等電子翻卡身分資 ,-後,貞彳會產生-敎喊,此選定訊號包含錢者之選擇^ ί^ϊ,步驟706令處理模㉟305因應此選定訊號取得加密ί 也父易密碼及加密電子信用卡代碼。然後,步驟7〇7令處 ^ 305解密加密認證交易密碼以得一選定認證交易密碼,步驟^ 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 代碼。 σ下 之後’步驟709令認證交易模組107因應選定認證交易 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, =驟^10令認證交易模組1〇7發送電子信用卡基本資料至g售點 資訊官理系統以完成電子交易。由於認證交易模組1〇7更包 134462〇 認證模組111及一接收/發送模組n3 之步驟係由該認證交易模組107之該認基本資料 傳送步驟係由接收/發送模組113所執最後 ^^丁 ’而該 模組309顯示電子交易之結果。钒仃取後’步驟711令顯示 除了第7圖所描緣之步驟外,第 =之所有操作及功能。所屬技術領域具有^常知 施例如何基於上述第三實施例以執行此等操作丄功= 實施,_於如第四 驟_令練模組=== 之 =構。首先步 處理模組403處理使用者之指紋產生;取Ut,801令 驟802令認證交易模組判斷 後,步 紋特徵。若_ 8G2之絲姑,註冊指 之結果為是,則執行步_令_組4= 示電產生-顯示訊息,:示顯 此顯示:= = =顯示模組-顯示 卡αΪΪ·ι’/Ϊ,令處_組403因應選定訊號取得電子作用 :ίί=,’步驟807令認證交易模組· 訊管理系統以完成電子交易。由 冊:文特徵及4G7及—接收/發送模組_,註 驟及摆半挪/山仏用卡基本貝料係儲存於認證模組4〇7,判斷步 模組4G1之認證模組4〇7所:, 盈員ΐ ίί 由ί ίχ發送模、组409戶斤執行。最後,步驟_令 ”·、貝不杈組405顯不電子交易之結果。 7 例之所猶之步驟外’第人實施例亦能執行第四實施 斤有婦及功能。所屬技術領域具有通常知識者可直接瞭解 22 Όΐυ 故 施例如何基於上述第四實施例以執行此等操作及功能 以二S習成-信用卡電子交易,並 交易時間過長及信用卡攜帶不知的信用卡之交!中’ 及被盜用的顺。 何便之μ ’叹降低額卡遺失 明之例舉本發明之實施態樣,以及闡釋本發 非用來限制本發明之範疇。任何熟悉此技術者 ίΐ明Ϊ權52?均_之安排均屬於本發明所主張之範圍, 本心月之侧細叙申請專利範圍為準。 【圖式簡單說明】 第1圖係為本發明之第一實施例之示意圖; 第2圖係為本發明之第二實施例之示意圖; 第3圖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。 【主要元件符號說明】 1 :電子行動裝置 101 :擷取模組 103 :記憶模组 105 :處理模組 1〇7 :認證交易模組 109 :顯示模組 1344620 111 :認證模組 113 :接收/發送模組 2:電子行動裝置 201 :擷取模組 203 :處理模組 205 :認證交易模組 207 :顯示模組 209 :認證模組 211 :接收/發送模組 3:電子行動裝置 303 :記憶模組 305 :處理模組 309 :顯示模組 4:電子行動裝置 401 :認證交易模組 403 :處理模組 405 :顯示模組 407 :認證模組 409 :接收/發送模組 24The processing module will be added (4) the transaction password cipher) and the force: g child J: J 1344620 2 e (E) will be decrypted 'to obtain the selected transaction password pulse and a selective decryption encryption authentication transaction password and The decryption addition can be based on the prior art of the above-mentioned add-on method. The group 111 then selects the electronic mail based on the selected authentication transaction, and uses the card code_ corresponding electronic_card basic=# material (ie, selected Π广卡(tfl) 'That is the user's Yushan Bank letter, m transfer Yushan Bank electronic credit card basic = pay J = valley (package 'father easy amount, etc.) to the point of sale information management system to complete the electronic ^ easy; Module 309 displays the results of the electronic transaction. With the configuration of the third embodiment, the legitimate user can establish his own name to register the missing ship, and the age is different from that of the first embodiment: nt: basic card material is used. :ϊ2ΐίϊ = :ΐ: Use for knowledge. After the user inputs the fingerprint, the third real_ is used, and the present is used for the more (4) f sub-intersection through the sub-line g 3 as the -f sub-action device 4 '- the user wants to include this electric S: Group 201, - processing: the certificate module 407 and the - receiving / sending ^ ^ 405 first recognition = easy module 401 contains a recognition, processing mode, group 403 and display ^ 4 ^ ^ lies in the 5 tolerate the father of the module Share.贞丁杈组405, so the fourth embodiment will only detail the difference 405 in addition to the age electronic mobile device 4, but also store the five scales two days +^ and five, the sub-credit card basic data card basic (four) It is said that it should be married to the third embodiment, and it is not mentioned here. In the fourth embodiment, the capture module 2〇1 fetches the user's fingerprint module 403 to process the fingerprint of the user to generate a fingerprint feature, and then the authentication module 4〇7 then judges this. Whether the fingerprint feature is one of the two or five t2 features, and the judgment result is displayed by the display module 4〇5 to the strict registered fingerprint feature', then the corresponding electronic action card i is provided, and the processing module 403 is also A display message will be generated indicating the display, _ selection. (4) Those who are connected = this = : = number = (4) ‘Use the card base to select Kabe. Next, the certification transaction model is 4 〇. Contains results. After the daring.", the module 405 shows the electronic transaction. The actual module 401 t, meaning stored in - safer ^ two through the encrypted authentication transaction password and the embodiment does not need to take out the electronic credit card basic data The card code can be used to create a job. The 500-order operation module 1〇1' capture--m draws. First, the step module _03 processes the user's finger 2 next step 50 to make the processing command processing module W3 judge the gun-finger fingerprint feature. Then, step 502 encrypts the authentication transaction password and the encrypted electronic book fingerprint feature to obtain the determination result ^ by the display module 109. Next step 503 causes the witness transaction password to be selected to be a selected module 504 々 里 里 〇 〇 〇 3 Decrypting the encrypted authentication material, the step milk processing module, such as 19 1344620, decrypts the encrypted electronic credit card code to obtain a selected electronic credit card code. Thereafter, step 506 causes the authentication transaction module 1 to retrieve and select the selected authentication transaction password. The sub-credit card code corresponds to the basic information of the electronic credit card, and the step is to enable the KT7 to transmit the basic information of the electronic credit card to the point-of-sale information system to complete the electronic transaction. In more detail, since the authentication transaction module 1 The 〇7 includes an authentication module 111 and a receiving/transmitting module 113. Therefore, step 〇6 further allows the S-bearing module 111 to retrieve the electronic credit card basic data corresponding to the selected code according to the selected authentication transaction password. Step 507 can be further converted into an electronic parent. Finally, step 508 causes display module 1 to display the result of the electronic transaction as 0, and the fifth embodiment performs the first and second functions in addition to the steps depicted in FIG. Those skilled in the art can directly understand how to perform such operations and functions based on the above-described first embodiment: therefore, the sixth embodiment of the present invention is a mobile device 2 as described in an electronic transaction method example. The flow chart is depicted in Figure 6. The first 600 command capture module 201 captures the fingerprint of a user, a = the module 203 handles the user's heart & the next step _ order processing command authentication赖Ϊ取,Step·Features--If the step?0==:=== If the result of step 602 is S, then the cow re-takes the user's shape with the card base. After that, the sentence _ _ _ Module · Break the result. Next step 604 causes the authentication mode = 7 to display the judgment data to the point of sale information management system; ii, the sub-transaction conveys the electronic credit card base in more detail 'since the authentication transaction module receives / Sending module 21, therefore step (10) is further improved by the Aiyi authentication module 209 and whether the fingerprint feature is in compliance with the registered fingerprint verification module 2〇9 and if there is a match, then the electronic letter 20 1344620 is not met, then back Go to step _ to make the module 201 re-===== into easy. The sixth embodiment can also perform the second embodiment in addition to the steps of the drawing. The sixth embodiment: the third embodiment: the domain has the usual knowledge and can be directly understood. The first embodiment is described to perform such operations and functions. Therefore, the 彳 f method is implemented, and the user's fingerprint is extracted from the third i 〇 1 , and then the step 7 〇 1 causes the g 7fP ^ to process the user's fingerprint to generate a fingerprint feature. Then, the step module 3〇5 determines whether the fingerprint feature corresponds to the result of registering the fingerprint U-Block 02- otherwise returns to step 700. If the result of step 702 is 疋, step 703 is executed to cause display module 309 to display the result of the determination. After the display, the processing module 305 generates a display message to indicate the Sf card identity, and then the step 7G5 causes the display module 309 to display the non-U selection. If the system is to be funded by the electronic card, the 贞彳 贞彳 产生 , , , , , , , , , , , , 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 706 35 35 35 Parent easy password and encrypted electronic credit card code. Then, step 〇7 ^ 305 decrypts the encrypted authentication transaction password to obtain a selected authentication transaction password, and the processing module 305 decrypts the encrypted electronic credit card code to obtain a selected electronic credit code. After σ, the step 709 causes the authentication transaction module 107 to retrieve the electronic credit card basic data corresponding to the selected electronic credit card code in response to the selected authentication transaction, and then, the authentication transaction module 1〇7 sends the electronic credit card basic data to g Selling information information system to complete electronic transactions. Since the steps of the authentication transaction module 1〇7 and the 134462〇 authentication module 111 and a receiving/transmitting module n3 are performed by the authentication transaction module 107, the basic data transmission step is performed by the receiving/transmitting module 113. The module 309 displays the result of the electronic transaction. After the vanadium extraction step 711, the display shows all the operations and functions of the = except for the steps described in Fig. 7. It is common knowledge in the art to apply the above-described third embodiment to perform such operations = work = implementation, as in the fourth step _ _ module ===. First, the processing module 403 processes the user's fingerprint generation; and Ut, 801, 802 causes the authentication transaction module to determine the step pattern. If the result of the registration finger is yes, then execute step_order_group 4= power generation-display message: display this display: ===display module-display card αΪΪ·ι'/ Ϊ, order _ group 403 takes an electronic role in response to the selected signal: ίί=, 'Step 807 enables the authentication transaction module to manage the electronic transaction. From the book: text features and 4G7 and - receiving / sending module _, note and pendulum / hawthorn card basic shell material stored in the authentication module 4〇7, judging step module 4G1 certification module 4 〇7:: Ying Ying ΐ ίί sent by ί χ 模, group 409 jins executed. Finally, the steps _ 令 》 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 The knowledger can directly understand how the 施 施 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于 基于And the use of the invention is not limited to the scope of the present invention. Anyone familiar with the technology is not limited to the scope of the present invention. The arrangement of the present invention is within the scope of the present invention, and the scope of the patent application is subject to the scope of the patent application. [Fig. 1 is a schematic view of the first embodiment of the present invention; The present invention is a schematic view of a second embodiment of the present invention; FIG. 3 is a schematic view of a third embodiment of the present invention; FIG. 4 is a schematic view of a fourth embodiment of the present invention; Fifth embodiment Figure 6 is a flow chart of a sixth embodiment of the present invention; Figure 7 is a flow chart of a seventh embodiment of the present invention; and Figure 8 is a flow of the eighth embodiment of the present invention. [Main component symbol description] 1 : Electronic mobile device 101 : capture module 103 : memory module 105 : processing module 1 〇 7 : authentication transaction module 109 : display module 1344620 111 : authentication module 113 : Receiving/transmitting module 2: electronic mobile device 201: capturing module 203: processing module 205: authentication transaction module 207: display module 209: authentication module 211: receiving/transmitting module 3: electronic mobile device 303 Memory module 305: processing module 309: display module 4: electronic mobile device 401: authentication transaction module 403: processing module 405: display module 407: authentication module 409: receiving/transmitting module 24

Claims (1)

1344620 申請專利範固: 1. -種電子行動n無線連接至—^ 理“,以進行一電子交易,該行動襄置包含 二擷取模組,用以擷取一使用者之一指紋; -!:r« 紋特徵:=Γ:徵 ==生,指 =獲得對應該註冊指紋特徵的該至少一加;: =至少-加密電子信用卡代碼,每一該註 二 電:信用卡;= 認證交易密碼,以及對應該加的獲得-選定 信用卡代碼;以及 时代⑮的-選定電子 一認證交易模組,用以儲存至少—電 以根據該選定認證交易口 =基本負料, 應之該至少一電子信用卡基本資信用卡代碼對 理系統。 w專达至5亥銷售點資訊管 2.如請求項1所述之電子行動裝置,其中. *密:=r=:=特:、複數個加密㈣交 至該等加密辑證交易紋特徵對應 碼其中之一; r《及5亥專加密電子信用卡代 密電:===複數個電子信用卡基本資料,各該加 时代碼龍至該等電子㈣卡基本資料的其中之 25 該處理模組更用以自該 擷取指紋特徵者以作為一日紋特徵中,選擇對應至該 交易密碼中,選擇對應至主=紋特徵’自該等加密認證 選定認證交易密碼,自該等加密電者以解密作為該 至該選定註冊指紋特徵子^用卡代碼中’選擇對應 該認證交易模組更用以因二2選定電子信用卡代碼, 電子信用卡基本資料中,選擇二匕疋5忍f交易密碼’自該等 以作為-選定電子信料〜㈣定電子信用卡代碼者 統,以進行該電子交易。貝°彳傳运至該銷售點資訊管理系 3, 如請j 2所述之電子行動裝置,其中該認證交易模组包含.( 以’心儲存該等電子㈣卡基本資料,以及用 以根據该選定認證交易密及用 中該認證模组係包合—入二彈心疋电子仏用卡貧訊,其 上 τ 糸匕3 一女全s己憶體(Secure Memory)、—知# 卡、一 Java 卡或—SmanMX(SMx)卡,♦以及 曰’’、 資心送Ϊ組’用以傳送該選定信用卡資訊至該銷售點 ::二該電子交易,其中該接收/發送模組係為 Field Communication Module) 〇 /> 4, 广種電子行動裝置,無線連接至―銷售點資崎理祕,以進行一 電子交易,該行動裒置包含: 一擷取模組,用以擷取一使用者之一指紋; 一處理模組,用以處理該指紋以產生一擷取指紋特徵;以 及 忒證父易模組,用以儲存至少一註冊指紋特徵,各該至 少一注冊指紋特徵係根據一合法使用者之一指紋預先產生,用 以儲存至少一電子信用卡基本資料,以判斷該擷取指紋特徵係 26 1344620 對應至該至少一註冊指紋特 特徵的該至少一電子信用卡基 =應該註冊指紋 統,每》对拉μ π Λ 枓至以銷售點資訊管理系 ▲母I主則曰紋特徵係對應每一該電子信用卡基本資料。 5. 如凊求項4所述之電子行動裝置,豆 级六 電子信用卡基本資料及魏個騎指模_存複數個 應至該等電子信用卡基本資料二====,紋特徵對 靜應至該擷取指紋特徵者以作卜ig定註 冊缺特徵,自該等電子信用卡基本資料中 疋: 冊指紋特徵者以作為一選定電子作、至该選定在 訊管理系統,以進行該電子交易:、。續送至該銷售點資 6. 如請求項5所述之電子行動裝置,料洪 證模組’用以儲存該等註冊指故特心;;病組包含:-認 =以選擇該選定註冊指紋特徵 ^ ’其中該紐模組純含—安全記憶體、 電%用卡: 卜_卡;以及-接收/發送模組,用以傳送^選卡」—-a : 貪訊至該銷售點資訊管理系統,以進行 =疋電子信用卡 發送模組係-近距離無線通訊模組。 ★纟中该接收/ 8. ^電子交易方法,該方法用於—電子行域置, 至一銷售點資訊管理系統以進行 “二 裝置包含-擷取模組、一記憶模組、一處理模易/電子订動 組,該記憶模組儲存至少-註冊指 至少二缝交易模 ,少-加密電子信_,各該至少;== 一合法使用者之-指紋預先產生,該認證交易模組二 =!'= 27 1344620 信用卡資訊,該電子交易方法包含下列步驟: 令該擷取模組擷取一使用者之一指紋; 令該處理模組處理該所擷取之指紋以產生一擷取指紋特 徵; 令該處理模組判斷該擷取指紋特徵係對應至該至少一註 冊指紋特徵,俾獲得對應該註冊指紋特徵的該至少一加密認證 交易密碼及該至少一加密電子信用卡代碼,每一該註冊指紋特 徵分別對應每一該加密認證交易密碼及每一該加密電子信用 卡代碼; 令該處理模組解密該加密認證交易密碼以得一選定認證 交易密瑪; 令該處理模組解密該加密電子信用卡代碼以得一選定電 子信用卡代碼; 令該認證交易模組因應該選定認證交易密碼,擷取與該選 定電子信用卡代碼對應之該至少一電子信用卡基本資料;以及 令該認證交易模組傳送該電子信用卡資訊至該銷售點資 訊管理系統。 9.如請求項8所述之電子交易方法,其中該記憶模組儲存複數個註冊 指紋特徵、複數個加密認證交易密碼及複數個加密電子信用卡代 碼,各該註冊指紋特徵對應至該等加密認證交易密碼其中之一及該 等加密電子信用卡代碼其中之一,該認證交易模組儲存複數個電子 信用卡基本資料,各該加密電子信用卡代碼對應至該等電子信用卡 基本資料其中之一,該電子交易方法更包含下列步驟: 令該處理模組自該等註冊指紋特徵中,選擇對應至該擷取 指紋特徵者以作為一選定註冊指紋特徵; 令該處理模組自該等加密認證交易密碼中,選擇對應至該 28 、疋Γ冊指纹特徵者以解密作為該選定認證交易密碼; . —t 1處理模組自該等電子信用卡代碼中,選擇對應至該選 ° 指纟文特徵者以解密作為該選定電子信用卡代碼;以及 信用卡茂易模組因應該駭認證交易㈣’自㈣電子 為―、=貝料中,選擇對應至該選定電子信用卡密碼者以作 €定電子信用卡資訊,俾傳送至該銷售點資訊管理系統。 10.如請求項9料、+、 模組及二所迷之電子交易方法’其中該認證交易模組包含一認證 慧卡 接收/發送模組,該認證模組係包含一安全記憶體、一智 i讯模組hva卡或—SMX卡,該接收/發送模組係一近距離無線 易模組、且▲ 選擇該選定電子信用卡基本資料之步驟係由該認證交 夕兮拉之°亥°忍5登模組所執行,以及該傳送步驟係由該認證交易模組 之该接收/發送模組所執行。 11 盔父易方法,該方法用於一電子行動裝置,該電子行動裝置 人至—銷售點資訊管理系統以進行—電子交易,該電子行動 2二二擷取模组、—處理模組以及—認證交易模組,該認證交 今$ '小:子至少—註冊指紋特徵及至少一電子信用卡基本資料,各 電乂二:註冊指紋特徵係根據一合法使用者之一指紋預先產生,該 又易方法包含下列步驟: 々。玄擷取模組掏取一使用者之一指紋; 二忒處理模組處理該指紋以產生一擷取指紋特徵; -註易ΓΓ判斷該擷取指紋特徵係對應至該至少 電子;組傳送對應該註冊指紋特徵的該至少- 每,冊指 12.如請求項U所述之電子交^法,其中認證交易模組儲存複數個 1344620 電子信用卡基本資料及複數個註 應至該等電子信用卡基本資料其s ',、文特徵,各該註冊指紋特徵對 列步驟: f、之一 ’該電子交易方法更包含下 令該認證交易模組自該 擷取指紋特徵者以作Λ 二、°冊指紋特徵中,選擇對應至該 令該認證交易模二 應至該選定註冊指紋特徵电卞尨用卡基本資料中,選擇對 傳送該選定電子信用卡以作為—選定電子信用卡資訊,俾 貝s至s亥銷售點資訊管理李統。 13. 如請求項12所述之電子交 里乐、,兄 證模組及一接收/發送又i方法,其中該認證交易模組包含一認 智慧卡、一 Java卡或忍證模組係包含一安全記憶體| 一 線通訊模組,該等註冊於 /卡,遠接收/發送模組係一近距離無 於該認證交易模組之徵及該等電子卡基本資料係儲存 認證交易模組之_證^::判斷步驟及該選擇步驟係由該 易模組之該接收/發送模組所執行二M及s亥傳达步驟係由該認證交 14. 如請求項13所述之電子交易方法,苴欢 步驟係透過該接收/發送模組取得該處理模二。3行之判斷 特徵。 、、 孩擷取指紋 30 1344620 τ----------- …' 抑// Ί , • ' · 十一、圖式:1344620 Patent application: 1. - Electronic action n wirelessly connected to - "" for an electronic transaction, the action device includes two capture modules for capturing a fingerprint of a user; !:r« Pattern Features: =Γ: 征==生,指=Get at least one plus for the signature of the registered fingerprint;: = at least-encrypted electronic credit card code, each of the two notes: credit card; = authentication transaction a password, and an acquisition-selected credit card code corresponding to the addition; and a selected electronic one-certification transaction module of the era 15 for storing at least the electricity to be based on the selected authentication transaction port = basic negative material, the at least one electronic Credit card basic credit card code matching system. wSpecial to 5 Hai sales point information tube 2. The electronic mobile device as claimed in claim 1, wherein * secret: = r =: = special: multiple encryption (four) To one of the corresponding codes of the encryption certificate transaction pattern; r "and 5 Hai special encryption electronic credit card behalf of the secret: === a plurality of electronic credit card basic information, each of the overtime code dragon to the electronic (four) card 25 of the basic information The processing module is further configured to: select, from the fingerprint feature, the corresponding one to the transaction password, and select the corresponding to the main=pattern feature to select the authentication transaction password from the encrypted authentication. Such as the encrypted electrician to decrypt as the selected registered fingerprint feature ^ in the card code, 'select the corresponding authentication transaction module is used to select the electronic credit card code according to the second 2, the electronic credit card basic information, select two 5 Forbearing the transaction password 'from this to act as - select the electronic mail ~ (four) fixed electronic credit card code to carry out the electronic transaction. Belle 彳 transport to the point of sale information management system 3, as described in j 2 The electronic mobile device, wherein the authentication transaction module comprises: (to store the basic information of the electronic (four) card, and to use the authentication module according to the selected authentication transaction and to use the authentication module to fit into the second bullet疋 仏 仏 , , , , , , , 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一 一Send group Send the selected credit card information to the point of sale: 2, the electronic transaction, wherein the receiving/transmitting module is a Field Communication Module) 〇/> 4, a wide variety of electronic mobile devices, wirelessly connected to the "sales point Ziqi Li For an electronic transaction, the action device includes: a capture module for capturing a fingerprint of a user; a processing module for processing the fingerprint to generate a fingerprint feature; The at least one registered fingerprint feature is pre-generated according to a fingerprint of a legitimate user for storing at least one electronic credit card basic data to determine the capture. The fingerprint feature system 26 1344620 corresponds to the at least one registered fingerprint feature of the at least one electronic credit card base = should register the fingerprint system, each "pull μ π Λ 枓 to the point of sale information management system ▲ mother I main crepe feature Correspond to each of the electronic credit card basic information. 5. For the electronic mobile device described in Item 4, the basic information of the bean-grade six-e- credit card and the number of Wei’s riding fingerprints _ the number of copies should be up to the basic data of the electronic credit card ===== Up to the fingerprint feature is selected as a registration defect feature, from the basic data of the electronic credit card, the fingerprint feature is used as a selected electronic device to the selected communication management system to perform the electronic transaction. :,. Continuation to the point of sale 6. In the electronic mobile device described in claim 5, the material certificate module is used to store the registration instructions; the disease group includes: - recognition = to select the selected registration Fingerprint feature ^ 'The new module contains pure - secure memory, electricity % card: Bu_ card; and - Receive / send module for transmitting ^ selection card" --- : Greed to the point of sale Information management system to carry out = 疋 electronic credit card transmission module - short-range wireless communication module. ★ 纟中 Receiving / 8. ^ electronic trading method, the method is used for - electronic domain setting, to a point of sale information management system for "two devices include - capture module, a memory module, a processing module Easy/electronic ordering group, the memory module stores at least - registration means at least two stitching transaction mode, less - encrypted electronic letter _, each of which at least; == a legitimate user - fingerprint pre-production, the authentication transaction module 2=!'= 27 1344620 Credit card information, the electronic transaction method comprises the steps of: causing the capture module to capture a fingerprint of a user; and causing the processing module to process the captured fingerprint to generate a capture a fingerprint feature; the processing module determines that the captured fingerprint feature corresponds to the at least one registered fingerprint feature, and obtains the at least one encrypted authentication transaction password and the at least one encrypted electronic credit card code corresponding to the registered fingerprint feature, each The registered fingerprint feature respectively corresponds to each of the encrypted authentication transaction password and each of the encrypted electronic credit card codes; and the processing module decrypts the encrypted authentication transaction password to obtain one Determining the authentication transaction MME; causing the processing module to decrypt the encrypted electronic credit card code to obtain a selected electronic credit card code; and causing the authentication transaction module to select the authentication transaction password to retrieve the at least corresponding to the selected electronic credit card code An electronic credit card basic data; and the authentication transaction module transmits the electronic credit card information to the point of sale information management system. 9. The electronic transaction method of claim 8, wherein the memory module stores a plurality of registered fingerprint features And a plurality of encrypted authentication transaction passwords and a plurality of encrypted electronic credit card codes, each of the registered fingerprint features corresponding to one of the encrypted authentication transaction passwords and one of the encrypted electronic credit card codes, the authentication transaction module storing a plurality of The electronic credit card basic data, each of the encrypted electronic credit card codes corresponding to one of the basic electronic credit card data, the electronic transaction method further comprising the steps of: causing the processing module to select a corresponding one from the registered fingerprint features Take the fingerprint feature as a selected note Fingerprint feature; causing the processing module to select, from the encrypted authentication transaction passwords, the one corresponding to the 28 fingerprint fingerprint feature to decrypt as the selected authentication transaction password; . — t 1 processing module from the electronic credit cards In the code, the person corresponding to the selected feature is selected for decryption as the selected electronic credit card code; and the credit card Maoyi module is responsible for the authentication transaction (4) 'from (four) electronic to ―, = bedding, select corresponding to The selected electronic credit card password is used as the electronic credit card information, and then transmitted to the point of sale information management system. 10. If the request item 9 material, +, module and the second electronic trading method, the authentication transaction mode The group includes an authentication flash card receiving/transmitting module, and the authentication module includes a secure memory, a smart video module hva card or a SMX card, and the receiving/transmitting module is a short-range wireless easy module. And ▲ the step of selecting the basic information of the selected electronic credit card is performed by the authentication system, and the transmission step is performed by the authentication transaction module. The receiving/transmitting module executes. 11 Helmets easy method, the method is used for an electronic mobile device, the electronic mobile device is a person-to-sales information management system for performing electronic transactions, the electronic action 2 22 capture module, the processing module and the The authentication transaction module, the certification is delivered to $ 'small: at least - the registered fingerprint feature and at least one electronic credit card basic data, each of the second two: the registered fingerprint feature is pre-generated according to the fingerprint of one of the legitimate users, The method consists of the following steps: 々. The Xuan 撷 module takes one of the fingerprints of a user; the 忒 processing module processes the fingerprint to generate a fingerprint feature; - the ΓΓ ΓΓ determines that the captured fingerprint feature corresponds to the at least electronic; The at least one of each of the fingerprint features should be registered. 12. The electronic transaction method as described in claim U, wherein the authentication transaction module stores a plurality of 1344620 electronic credit card basic data and a plurality of notes to the basic electronic credit card. The data s ', the characteristics of the text, each of the registered fingerprint feature pairs step: f, one of the electronic transaction method further includes the ordering of the authentication transaction module from the fingerprint feature for the second, ° fingerprint In the feature, the selection corresponds to the order that the authentication transaction mode should be sent to the selected registered fingerprint feature card, and the selected electronic credit card is selected as the selected electronic credit card information, the mussel s to the shai Point of sale information management Li Tong. 13. The method of claim 12, wherein the authentication module includes a smart card, a Java card or a fortune module. A secure memory module; a first-line communication module, such a registration/card, a remote receiving/transmitting module is a short distance from the authentication transaction module and the basic data of the electronic card is stored in the authentication transaction module. _证^:: the determining step and the selecting step are performed by the receiving/transmitting module of the easy module, and the step of communicating is performed by the authentication. 14. The electronic transaction as claimed in claim 13 In the method, the processing step is obtained by the receiving/transmitting module. 3 lines of judgment characteristics. ,, children take fingerprints 30 1344620 τ----------- ...' / / Ί, • ' · XI, schema: ® I城 1344620 J 1— 1 Ε Γ:·^® I City 1344620 J 1— 1 Ε Γ:·^ SCNI躲 2 1344620SCNI hiding 2 1344620 .· > 7r£」- Hco浓 3 1344620.· > 7r£"- Hco Concentrate 3 1344620 4 13446204 1344620 第5圖 5 ϊ344620Figure 5 5 ϊ 344620 -τ 令認證交易模組發 送電子信用卡資訊 至銷售點資訊管理 系統 W ^-605 令顯示模組顯示電 子交易結果 第6圖 6-τ Let the authentication transaction module send electronic credit card information to the point of sale information management system W ^-605 Let the display module display the electronic transaction result Figure 6 Figure 6 705 令顯示模組顯示 顯示訊息 應加碼 因得密 組 模號交 理訊證 處定認 令選密 信 子碼 電密 密卡_ 加用 Λ- 70705 Display display module display message should be added code due to the ID group, the model number, the communication certificate, the approval order, the secret code, the sub-code, the secret card, the _ 用- 70 708 709 710 令認證交易模組發 送電子信用卡資訊 至銷售點資訊管理 系統 令顯示模組顯示電 子交易結果 711 1344^20708 709 710 Let the authentication transaction module send electronic credit card information to the point of sale information management system to make the display module display the electronic transaction result 711 1344^20
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11170372B2 (en) 2011-09-09 2021-11-09 Naxos Finance Sa Method for validating an electronic transaction, and system thereof

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11170372B2 (en) 2011-09-09 2021-11-09 Naxos Finance Sa Method for validating an electronic transaction, and system thereof

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