TWI590094B - Portable device for personal online transaction with mobile device and its application method - Google Patents

Portable device for personal online transaction with mobile device and its application method Download PDF

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TWI590094B
TWI590094B TW105100510A TW105100510A TWI590094B TW I590094 B TWI590094 B TW I590094B TW 105100510 A TW105100510 A TW 105100510A TW 105100510 A TW105100510 A TW 105100510A TW I590094 B TWI590094 B TW I590094B
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consumer
mobile device
transaction
portable device
unit
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TW201725529A (en
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Da-Lun Song
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供個人以行動裝置進行網路交易之攜帶裝置及其應用方法 Carrying device for personal network transaction by mobile device and application method thereof

本發明係有關一種供個人以行動裝置進行網路交易之攜帶裝置及其應用方法,尤指一種由一交易端提供給消費端個人一攜帶裝置,使該消費端個人在藉個人行動裝置上網以與該交易端進行交易之前,能藉由該攜帶裝置之指紋辨識功能以先驗證該消費端個人身分而再進行密碼驗證。 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.

目前消費端個人常使用個人行動裝置上網以與一交易端進行交易,其中該個人行動裝置包含行動電話(如智慧型手機)、平板電腦、筆記型電腦等,其中該交易端如各種網路交易平台如互聯網、銀行端等但不限制。由於個人行動裝置有遺失或遭竊之可能,而且個人密碼或帳號也有遺忘或遭竊之可能,以致該消費端個人之身分單純藉由個人密碼或帳號不易完全確認,導致該消費端個人使用其個人行動裝置上網以與一交易端進行交易之金額相對受到限制,藉以避免該消費端個人身分未完全確認而交易金額又太大時所造成損失賠償之歸屬問題。 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.

由於指紋辨識器或指紋辨識晶片以及其指紋辨識功能及技術已漸趨成熟,故為了增加交易之安全性,指紋驗證功能及技術已被大量採用,例如:將指紋驗證功能及技術應用於信用卡上而形成一「指紋信用 卡」;或將信用卡資料儲存於具有指紋辨識器或指等紋辨識功能之行動電話中(如智慧型手機),同樣應用NFC(近場通訊)感應交易的「手機信用卡」,或藉由該行動電話來上網進行網路交易。本技術領域之先前技術包含:TW公開號20150611、20150521、20141211、20141121、20140311、20140211、20140101、20120921、20110711、20110701、20100621、20041221、20030321、20150616,及US 8,811,959、US 2014/0317715A1等。 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. Forming a "fingerprint credit Cards; or store credit card data in a mobile phone with a fingerprint reader or fingerprint recognition function (such as a smart phone), and also use NFC (Near Field Communication) to sense the "mobile credit card" of the transaction, or by Mobile phones come online to conduct 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.

為了增加消費端個人使用行動裝置上網以進行網路交易之安全性,或許可以將信用卡資料(消費端個人身分驗證碼)儲存於具有指紋辨識器或指紋辨識功能之行動裝置中如包含行動電話、平板電腦、筆記型電腦。但上述技術在實際應用時,存有下列問題: 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:

其一,目前行動裝置如行動電話之作業系統乃為一封閉系統(closed system),隨著行動電話製造商之不同(如美國蘋果公司或韓國三星公司)而分別備具不同之作業系統,因此當某一類型之指紋辨識器或指紋辨識功能被內建於某一品牌行動電話(如美國蘋果公司)上時,消費端個人即須購買或使用該一品牌行動電話,才能享有該特定之指紋辨識器或指紋辨識功能供用以增加網路交易之安全性,此對眾多消費端之個人而言,並不方便。 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.

其二,以交易端(如銀行端)而言,當然希望消費端能越多越好,也就是希望消費端個人使用之行動電話能皆具備指紋辨識器或指紋辨識功能,但以目前行動電話之市場而言,具有較高效率指紋辨識功能之指紋辨識器已被某一品牌行動電話製造商收購,以致行動電話其他品牌製造商尚難以在其所產製之行動電話上內建一有效率之指紋辨識器以達成較 優良之指紋辨識功能。由於消費端個人所使用之行動電話不可能完全同屬於該一品牌之行動電話,因此交易端(如銀行端)難以向消費端推廣使用行動裝置來進行網路交易並藉指紋辨識器或指紋辨識功能以確保安全性,致使較佳之網路交易方式相對受到阻礙而難以推廣。 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. Fingerprint recognizer to achieve comparison Excellent fingerprint recognition. Since the mobile phone used by the consumer is unlikely to be completely the same as the mobile phone of the brand, it is difficult for the transaction terminal (such as the bank) to promote the use of the mobile device for the online transaction and to use the fingerprint reader or fingerprint identification. The function is to ensure security, so that the better way of online trading is relatively hindered and difficult to promote.

由上可知,本領域之先前技術難以解決上述問題,因此本案乃是針對上述問題而提出有效的解決方案。 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.

本發明主要目的乃在於提供一種供個人以行動裝置進行網路交易之攜帶裝置及其應用方法,該攜帶裝置係形成一供個人攜帶之小型具形體,由一交易端提供給一消費端個人使用,該攜帶裝置包含一指紋辨識單元(如晶片)、一控制處理單元(如MCU/RAM)、一電子簽章單元(如金鑰晶片),一無線連接單元(如藍芽通訊單元)及一電源單元(如電池或可微波充電之電池);其中,當該消費端個人利用其個人行動裝置進入網路以選擇與該交易端進行交易時,即能同時藉由該攜帶裝置之指紋辨識單元以輸入該消費端個人之待辨指紋資料,使該控制處理單元接收並判斷該待辨指紋資料與已內存之模板指紋資料是否相符,若是則通過驗證,該攜帶裝置才可藉該無線連接單元傳輸已設定在該電子簽章單元內之電子簽章密碼至該行動裝置,再經由該行動裝置以與該交易端進行身分驗證程序,通過驗證之後該消費端個人再與該交易端進行交易;藉此,方便該交易端能廣泛發行該攜帶裝置而不受各行動裝置製造商之限制,相對增進指紋辨識單元之使用效率。 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. .

為達成上述目的,本發明之供個人以行動裝置進行網路交 易之攜帶裝置,其係形成一可攜帶之小型具形體,由一交易端提供給一消費端個人使用,供該消費端個人在利用其個人行動裝置以在藉網路與該交易端進行交易之前,能配合該攜帶裝置進行進一步之指紋辨識身分,該攜帶裝置包含:一指紋辨識單元(如晶片),用以在該消費端個人開始要與該交易端交易之前先建立該消費端個人之一模板指紋資料,並在進行每一次交易時得擷取該消費端個人之待辨指紋資料供進行驗證;一控制處理單元(如MCU/RAM),電性連接至該指紋辨識單元(如晶片),一方面用以儲存該消費端個人之模板指紋資料,另一方面用以接收並判斷該待辨指紋資料與該模板指紋資料是否相符;一電子簽章單元(如金鑰晶片),電性連接至該控制處理單元,其係在開始交易之前由該交易端與該消費端個人雙方共同約定一電子簽章密碼(如消費端個人身分驗證碼)並設定在該電子簽章單元內;一無線連接單元(如藍芽通訊單元),用以與該消費端個人之行動裝置匹配以傳輸訊息至該消費端個人之行動裝置;及一電源單元(如電池或可微波充電之電池),用以提供該攜帶裝置內各單元運作時所需之電力;其中,當該消費端個人利用其個人行動裝置進入網路以選擇與該交易端進行交易時,即能同時藉由該攜帶裝置之指紋辨識單元以輸入該消費端個人之待辨指紋資料,使該控制處理單元接收並判斷該待辨指紋資料與該模板指紋資料是否相符,若是則通過驗證,該攜帶裝置才可藉該無線連接單元傳輸已設定在該電子簽章單元內之電子簽章密碼至該行動裝置,再經由該行動裝置以與該交易端進行身分驗證程序,通過驗證之後該消費端個人再與該交易端進行交易。 In order to achieve the above object, the present invention provides an individual with a mobile device for online communication. The portable device is a portable small body that is provided by a transaction terminal to a consumer personal use for the consumer to use the personal mobile device to conduct transactions on the transaction network. In the past, the portable device can be further configured to perform fingerprint identification. The portable device includes: a fingerprint identification unit (such as a chip) for establishing the consumer personal entity before the consumer begins to trade with the transaction terminal. a template fingerprint data, and each of the transactions may retrieve the personal fingerprint data of the consumer 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 personal, and on the other hand for receiving and judging whether the fingerprint data to be identified matches the template fingerprint data; an electronic signature unit (such as a key wafer), Sexually connected to the control processing unit, which is jointly agreed by the transaction end and the consumer end to an electronic signature password (such as the consumer personal body) before starting the transaction. a verification code is set in the electronic signature unit; a wireless connection unit (such as a Bluetooth communication 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 (such as a battery or a microwave rechargeable battery) for providing power required for operation of each unit in the portable device; wherein, when the consumer personalizes using his personal mobile device to enter the network to select the transaction When the transaction is performed, the fingerprint identification unit of the portable device can input the fingerprint data of the consumer personally, so that the control processing unit receives and determines whether the fingerprint data to be identified matches the template fingerprint data. If yes, the portable device can transmit the electronic signature password set in the electronic signature unit to the mobile device by using the wireless connection unit, and then perform the identity verification procedure with the transaction terminal via the mobile device. After verification, the consumer personally trades with the transaction side.

為達成上述目的,本發明之一種供個人以行動裝置進行網 路交易之攜帶裝置的應用方法,包含以下步驟:由一交易端針對一消費端個人提供一具有指紋辨識功能之攜帶裝置,其中,該交易端與該消費端個人雙方已共同約定一電子簽章密碼並設定在該攜帶裝置內;該消費端個人在與該交易端交易之前,先在該攜帶裝置內建立並儲存個人指紋資料供作為驗證用模板指紋資料,且使該攜帶裝置藉由其所設之一無線連接單元以與該消費端個人之行動裝置互相匹配連接;當該消費端個人利用其個人之行動裝置進入網路以選擇與該交易端進行交易時,同時藉由該攜帶裝置以輸入該消費端個人之待辨指紋資料;該攜帶裝置接收並判斷該待辨指紋資料與已儲存之該模板指紋資料是否相符;若是,即表示通過驗證,該攜帶裝置即藉該無線連接單元傳輸該電子簽章密碼至該行動裝置,再經由該行動裝置以與該交易端進行身分驗證程序,通過驗證之後該消費端個人再與該交易端進行交易。 In order to achieve the above object, a person of the present invention provides a network for a mobile device The application method of the portable device of the road transaction comprises the following steps: providing a portable device with a fingerprint identification function by a transaction terminal for a consumer personal, wherein the transaction terminal and the consumer end have jointly agreed on an electronic signature The password is set in the portable device; the consumer personally establishes and stores the personal fingerprint data in the portable device as the template fingerprint for verification before the transaction with the transaction terminal, and causes the portable device to Configuring a wireless connection unit to be matched with the mobile device of the consumer; when the consumer uses his personal mobile device to enter the network to select a transaction with the transaction terminal, Entering the fingerprint data of the consumer to be identified; the portable device receives and determines whether the fingerprint data to be identified matches the stored fingerprint data of the template; if yes, the device transmits by using the wireless connection unit The electronic signature password is sent to the mobile device, and the mobile device is used to perform identity with the transaction terminal. Certification process, then end the transaction with the transaction after verification by the individual end consumer.

100‧‧‧交易端 100‧‧‧Transaction side

200‧‧‧消費端個人 200‧‧‧ consumer personal

10‧‧‧攜帶裝置 10‧‧‧ Carrying device

11‧‧‧指紋辨識單元 11‧‧‧Finger identification unit

12‧‧‧控制處理單元 12‧‧‧Control Processing Unit

13‧‧‧電子簽章單元 13‧‧‧Electronic signature unit

14‧‧‧無線連接單元 14‧‧‧Wireless connection unit

15‧‧‧電源單元 15‧‧‧Power unit

16‧‧‧近場通訊單元 16‧‧‧ Near Field Communication Unit

20‧‧‧行動裝置 20‧‧‧ mobile devices

30‧‧‧網路 30‧‧‧Network

圖1係本發明供個人以行動裝置進行網路交易之攜帶裝置結構示意圖。 1 is a schematic diagram showing the structure of a portable device for an individual to conduct a network transaction by a mobile device.

圖2係本發明供個人以行動裝置進行網路交易之攜帶裝置的應用方塊示意圖。 2 is a block diagram showing an application of the present invention for a mobile device for mobile transactions by a mobile device.

為使本發明更加明確詳實,茲列舉較佳實施例並配合下列圖示,將本發明之結構及其技術特徵詳述如後:參考圖1、2,本發明係一供個人以行動裝置進行網路交易之攜帶裝置10,其係形成一可供消費端個人200方便攜帶之小型具形體如一 卡片但不限制,其由一交易端100提供給一消費端個人200使用,供該消費端個人200在利用其個人行動裝置20以在藉網路30與該交易端100進行交易之前,能配合該攜帶裝置10進行一指紋辨識身分的驗證程序。 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 online transaction carrying device 10 is formed into a small-sized body that can be conveniently carried by the consumer personal 200. The card, but not limited, is provided by a transaction terminal 100 to a consumer personal 200 for use by the consumer personal device 200 to utilize the personal mobile device 20 to cooperate with the transaction terminal 100 before the transaction 30 is used. The portable device 10 performs a verification procedure for the fingerprint identification identity.

該攜帶裝置10包含:一指紋辨識單元11如紋辨識晶片,用以在該消費端個人200開始要與該交易端100交易之前先建立該消費端個人200之一模板指紋資料,並在進行每一次交易時得擷取該消費端個人200之待辨指紋資料供進行驗證;一控制處理單元12如MCU(Microprogrammed Control Unit,微程式控制器)或RAM(Random Access Memory,隨機存取記憶體),其電性連接至該指紋辨識單元11,一方面用以儲存該消費端個人200之模板指紋資料,另一方面用以接收並判斷該待辨指紋資料與該模板指紋資料是否相符;一電子簽章單元13如金鑰晶片,其電性連接至該控制處理單元12,其係在開始交易之前由該交易端100與該消費端個人200雙方共同約定一電子簽章密碼(消費端個人身分驗證碼)並設定在該電子簽章單元13內;一無線連接單元14如藍芽通訊單元,其用以與該消費端個人200之行動裝置20匹配以傳輸訊息至該消費端個人200之行動裝置20;及一電源單元15,用以提供該攜帶裝置10內部各單元運作時所需之電力,尤其該控制處理單元12所需之電力。 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.

由於該攜帶裝置10係形成一可供消費端個人200方便攜帶之小型具形體,且設在該攜帶裝置10內之各單元如該控制處理單元12,又需要一足額之電力才能運作,因此為了提昇該攜帶裝置10之使用效率,該電源單元15可考慮利用電池相關技術如充電技術或其組合來達成使用之需要,如包含:固態電池機制、可微波充電之充電電池機制、太陽能充電電池機 制(利用太陽能來進行充電)、手機反饋充電電池機制或其組合,藉以使該電源單元15能在該攜帶裝置10之使用過程中提供足額之電力;其中該可微波充電之充電電池機制係指利用天線與電容之結合設置供該攜帶裝置10可接收身邊周遭之微波來對該電源單元15進行充電;其中該手機反饋充電電池機制係指當該攜帶裝置10接近該行動裝置20時,由該攜帶裝置10啟動通知,以使該行動裝置20在收到通知後得發送微波以對該攜帶裝置10之電源單元15進行充電。 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 machine System (using solar energy for charging), mobile phone feedback rechargeable battery mechanism or a combination thereof, so that the power supply unit 15 can provide sufficient power during use of the portable device 10; wherein the microwave rechargeable charging battery mechanism Referring to the combination of the antenna and the capacitor, the portable device 10 can receive the microwave around the mobile device to charge the power unit 15; wherein the mobile phone feedback charging battery mechanism means that when the portable device 10 approaches the mobile device 20, The portable device 10 initiates a notification to cause the mobile device 20 to transmit a microwave to receive the power unit 15 of the portable device 10 upon receipt of the notification.

當該消費端個人200利用其個人行動裝置20進入網路30以選擇與該交易端100進行交易時,即能同時藉由該攜帶裝置10之指紋辨識單元11以輸入該消費端個人200之待辨指紋資料,使該控制處理單元12接收並判斷該待辨指紋資料與內存之該模板指紋資料是否相符,若是則通過驗證,該攜帶裝置10才會藉該無線連接單元14傳輸已設定在該電子簽章單元13內之電子簽章密碼至該行動裝置20,再經由該行動裝置20以與該交易端100進行身分驗證程序,通過驗證之後該消費端個人200再與該交易端100進行交易。 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. .

參考圖2,本發明係一種供個人以行動裝置進行網路交易之攜帶裝置的應用方法,包含以下步驟:由一交易端100針對一消費端個人200提供一具有指紋辨識功能之攜帶裝置10如圖1所示,其中,該交易端100與該消費端個人200雙方已共同約定一電子簽章密碼並設定在該攜帶裝置10內部。 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.

該消費端個人200在與該交易端100交易之前,先在該攜帶裝置10內建立並儲存個人指紋資料供作為驗證用模板指紋資料,且使該攜帶 裝置10藉由其所設之一無線連接單元14以與該消費端個人200之行動裝置20互相匹配連接。 The consumer personal 200 establishes and stores personal fingerprint data in the portable device 10 for use as a verification template fingerprint data before the transaction with the transaction terminal 100, and causes the portable document to be carried. The device 10 is coupled to the mobile device 20 of the consumer personal 200 by a wireless connection unit 14 provided therein.

當該消費端個人200利用其個人之行動裝置20進入網路30以選擇與該交易端100進行交易時,同時藉由該攜帶裝置10以輸入該消費端個人200之待辨指紋資料。 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.

該攜帶裝置10接收並判斷該待辨指紋資料與已儲存之該模板指紋資料是否相符。 The portable device 10 receives and determines whether the fingerprint data to be identified matches the stored fingerprint data of the template.

若是,即表示通過驗證,該攜帶裝置10即藉該無線連接單元(如藍芽通訊單元)14傳輸該電子簽章密碼至該行動裝置20,再經由該行動裝置20以與該交易端100進行身分驗證程序,通過驗證之後該消費端個人200再與該交易端100進行交易。 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.

此外,參考圖1所示,該攜帶裝置10內進一步可設一近場通訊單元16,供用以與一對應終端機(圖未示)匹配以進行資料傳輸,藉以增進該攜帶裝置10之應用範圍。 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 . .

以上所述僅為本發明的優選實施例,對本發明而言僅是說明性的,而非限制性的;本領域普通技術人員理解,在本發明權利要求所限定的精神和範圍內可對其進行許多改變,修改,甚至等效變更,但都將落入本發明的保護範圍內。 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‧‧‧交易端 100‧‧‧Transaction side

200‧‧‧消費端個人 200‧‧‧ consumer personal

10‧‧‧攜帶裝置 10‧‧‧ Carrying device

11‧‧‧指紋辨識單元 11‧‧‧Finger identification unit

12‧‧‧控制處理單元 12‧‧‧Control Processing Unit

13‧‧‧電子簽章單元 13‧‧‧Electronic signature unit

14‧‧‧無線連接單元 14‧‧‧Wireless connection unit

15‧‧‧電源單元 15‧‧‧Power unit

20‧‧‧行動裝置 20‧‧‧ mobile devices

30‧‧‧網路 30‧‧‧Network

Claims (9)

一種供個人以行動裝置進行網路交易之攜帶裝置,該攜帶裝置係形成一可攜帶之小型具形體的銀行卡,由一銀行端提供給一消費端個人使用,供該消費端個人在利用其個人行動裝置以在藉網路與該銀行端進行交易之前,能配合該攜帶裝置作進一步之指紋辨識身分,該攜帶裝置包含:一指紋辨識單元,其用以在該消費端個人開始要與該銀行端交易之前先建立該消費端個人之一模板指紋資料,並在進行每一次交易時得擷取該消費端個人之待辨指紋資料供進行驗證;一控制處理單元,其電性連接至該指紋辨識單元,一方面用以儲存該消費端個人之模板指紋資料,另一方面用以接收並判斷該待辨指紋資料與該模板指紋資料是否相符;一電子簽章單元,其電性連接至該控制處理單元,其係在開始交易之前由該銀行端與該消費端個人雙方共同約定一電子簽章密碼並設定在該電子簽章單元內;一無線連接單元,其用以與該消費端個人之行動裝置匹配以傳輸訊息至該消費端個人之行動裝置;及一電源單元,其用以提供該攜帶裝置內各單元運作時所需之電力;其中,當該消費端個人利用其個人行動裝置進入網路以選擇與該銀行端進行交易時,即能同時藉由該攜帶裝置之指紋辨識單元以輸入該消費端個人之待辨指紋資料,使該控制處理單元接收並判斷該待辨指紋資料與該模板指紋資料是否相符,若是則通過驗證,該指紋辨識攜帶裝置才會藉該無線連接單元傳輸已設定在該電子簽章單元內之電子簽章密碼至該 行動裝置,再經由該行動裝置以與該銀行端進行身分驗證程序,通過驗證之後該消費端個人再與該銀行端進行交易。 A portable device for an individual to conduct a network transaction by using a mobile device, the portable device forming a portable small-sized bank card, which is provided by a bank to a consumer personal use for the consumer to use The personal mobile device can cooperate with the portable device for further fingerprint identification before the transaction is performed with the bank. The portable device includes: a fingerprint identification unit, which is used to start with the consumer Before the bank-side transaction, one template fingerprint data of the consumer personal person is established, and the fingerprint data of the consumer end is obtained for verification in each transaction; a control processing unit is electrically connected to the The fingerprint identification unit is configured to store template fingerprint data of the consumer end, and to receive and determine whether the fingerprint data to be identified is consistent with the template fingerprint data; and an electronic signature unit electrically connected to The control processing unit, which is jointly agreed by the bank end and the consumer end to an electronic signature seal before starting the transaction And being disposed in the electronic signature unit; a wireless connection unit configured to match the mobile device of the consumer end to transmit a message to the mobile device of the consumer personal; and a power supply unit for providing the portable device The power required for the operation of each unit in the device; wherein, when the consumer personalizes using his personal mobile device to enter the network to select a transaction with the bank, the fingerprint identification unit of the portable device can simultaneously input The consumer-recognized fingerprint data of the consumer end enables the control processing unit to receive and determine whether the fingerprint data to be identified matches the template fingerprint data, and if so, the fingerprint identification carrying device transmits the wireless connection unit by using the wireless connection unit. Set the electronic signature password in the electronic signature unit to the The mobile device performs an identity verification procedure with the bank terminal via the mobile device, and after the verification, the consumer personalizes the transaction with the bank. 如請求項1所述之供個人以行動裝置進行網路交易之攜帶裝置,其中該行動裝置包含行動電話、平板電腦、筆記型電腦。 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. 如請求項1所述之供個人以行動裝置進行網路交易之攜帶裝置,其中該控制處理單元包含MCU(Microprogrammed Control Unit,微程式控制器)、RAM(Random Access Memory,隨機存取記憶體)。 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). . 如請求項1所述之供個人以行動裝置進行網路交易之攜帶裝置,其中該無線連接單元包含藍芽通訊單元。 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. 如請求項1所述之供個人以行動裝置進行網路交易之攜帶裝置,其中該電源單元係選自下列族群:固態電池機制、可微波充電之充電電池機制、太陽能充電電池機制、手機反饋充電電池機制其中之一或其組合。 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. 如請求項1所述之供個人以行動裝置進行網路交易之攜帶裝置,其中該攜帶裝置上進一步設有一近場通訊單元供用以與對應終端機匹配以進行資料傳輸。 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. 一種供個人以行動裝置進行網路交易之攜帶裝置的應用方法,包含以下步驟:由一銀行端針對一消費端個人提供一具有指紋辨識功能之攜帶裝置,該攜帶裝置係如請求項1至請求項6中任一請求項所述之攜帶裝置,且該攜帶裝置係形成一可攜帶之小型具形體的銀行卡,其中該銀行端與該消費端個人雙方已共同約定一電子簽章密碼並設定在該指紋辨識攜帶裝置內部; 該消費端個人在與該銀行端交易之前,先在該攜帶裝置內建立並儲存個人指紋資料供作為驗證用模板指紋資料,且使該指紋辨識攜帶裝置藉由其所設之一無線連接單元以與該消費端個人之行動裝置互相匹配連接;當該消費端個人利用其個人之行動裝置進入網路以選擇與該銀行端進行交易時,同時藉由該攜帶裝置以輸入該消費端個人之待辨指紋資料;該攜帶裝置接收並判斷該待辨指紋資料與已儲存之該模板指紋資料是否相符;若是,即表示通過驗證,該指紋辨識攜帶裝置即藉該無線連接單元傳輸該電子簽章密碼至該行動裝置;經由該行動裝置以與該銀行端進行身分驗證程序,通過驗證之後該消費端個人再與該銀行端進行交易。 An application method for a portable device for an individual to conduct a network transaction by using a mobile device, comprising the steps of: providing, by a bank, a portable device having a fingerprint identification function for a consumer, the request device is as claimed in claim 1 The portable device according to any one of the preceding claims, wherein the portable device forms a portable small-sized bank card, wherein the bank end and the consumer end have jointly agreed on an electronic signature password and set Inside the fingerprint identification carrying device; The consumer personally establishes and stores the personal fingerprint data in the portable device as the template fingerprint data for verification before the transaction with the bank, and causes the fingerprint identification carrying device to use one of the wireless connection units Interacting with the consumer device of the consumer; when the consumer uses his personal mobile device to enter the network to select a transaction with the bank, and simultaneously enters the consumer by the portable device Identifying the fingerprint data; the carrying device receives and determines whether the fingerprint data to be identified matches the stored fingerprint data of the template; if yes, the verification means that the fingerprint identification carrying device transmits the electronic signature password by using the wireless connection unit Go to the mobile device; perform an identity verification procedure with the bank terminal via the mobile device, and after the verification, the consumer personally conducts a transaction with the bank. 如請求項7所述之應用方法,其中該行動裝置包含行動電話、平板電腦、筆記型電腦。 The application method of claim 7, wherein the mobile device comprises a mobile phone, a tablet, and a notebook computer. 如請求項7所述之應用方法,其中該攜帶裝置上進一步設有近場通訊單元供用以與對應終端機匹配以進行資料傳輸。 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.
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