TWI754028B - Smart card - Google Patents

Abstract

A smart card includes a body, a sensor, a storage and a processor. The body includes a first surface, a second surface opposite to the first surface and a body interior. The sensor is arranged on the first surface or the second surface, and is configured to sense a biological feature. The storage is arranged in the body interior, and is configured to store identify information. The processor is arranged in the body interior, coupled between the sensor and the storage, and configured to generate feature information according to the biological feature. The processor is configured to compare the feature information with the identify information, and enables a trading function when the feature information corresponds to the identify information.

Description

smart card

This case involves a smart card, especially a smart card that enables transaction functions through biometric identification.

People today rely more and more on the convenience of a credit or debit card, and less often with cash for transactions. However, credit cards and debit cards carry a certain risk of fraud compared to cash.

In order to strengthen the security of credit cards and financial cards, most manufacturers use password protection, but because people tend to use the same password or a password with special significance, it is easy to be obtained by deliberate people, and the user's password can be stolen. deposit.

Therefore, how to develop a transaction tool with high security and inconvenience different from cash is a major problem to be solved today.

An implementation aspect of this case relates to a smart card. The above-mentioned smart card includes a body, a sensor, a storage and a processor. The body includes a first surface, a second surface opposite to the first surface, and an interior of the body. The sensor is disposed on the first surface or the second surface and is used for sensing biological features. The storage is arranged in the body part, and is used to store identification data. The processor is arranged inside the body, coupled between the sensor and the storage, and used for generating characteristic data according to the biological characteristic. The processor is used to compare the characteristic data with the identification data, and enable the transaction function when the characteristic data corresponds to the identification data.

To sum up, according to the technical content of this case, the embodiment of this case enhances the security of credit cards and financial cards by providing a smart card with biometric identification function, and further sets a solar panel in the smart card to prevent Solve the problem of insufficient power for smart cards.

100‧‧‧Smart Card Body

110‧‧‧First surface

120‧‧‧Second surface

112‧‧‧Chip

114, 124‧‧‧Sensor

116‧‧‧Solar panels

122‧‧‧Magnetic strip

200‧‧‧Smart Card

210‧‧‧Processor

220‧‧‧Memory

230‧‧‧battery unit

300‧‧‧Operation

S310, S320, S330, S340, S350, S360, S370, S380‧‧‧Steps

Figure 1A is a schematic diagram of the first surface of the smart card body according to an embodiment of the present application; Figure 1B is a schematic diagram of the second surface of the smart card body according to an embodiment of the present application; Figure 2 is a schematic diagram of A functional block diagram of a smart card according to an embodiment of the present application; and FIG. 3 is a flowchart of an operation method of the smart card shown in FIG. 2 according to an embodiment of the present application.

The following will clearly illustrate the spirit of the present case with drawings and detailed descriptions. Anyone with ordinary knowledge in the technical field, after understanding the embodiments of the present case, can change and modify the techniques taught in the present case without departing from it. The spirit and scope of the case.

The terms "first", "second", ... etc. used in this document do not specifically refer to the order or order, nor are they used to limit the present case, but are only used to distinguish elements or operations described in the same technical terms. .

As used herein, "coupling" or "connection" may refer to two or more elements or devices in direct physical contact with each other, or in indirect physical contact with each other, and may also refer to two or more elements or devices with each other action or action.

The terms "comprising", "including", "having", "containing" and the like used in this document are all open-ended terms, meaning including but not limited to.

As used herein, "and/or" includes any and all combinations of the stated things.

Regarding the terms used in this article, unless otherwise specified, each term usually has the ordinary meaning used in this field, in the content of this case and in the special content. Certain terms used to describe the subject matter are discussed below or elsewhere in this specification to provide those skilled in the art with additional guidance in the description of the subject matter.

In some embodiments of the present disclosure, reference is made to FIG. 1A and FIG. 1B together. FIG. 1A is a schematic diagram of the first surface 110 of the smart card body 100 according to an embodiment of the present application. FIG. 1B is a schematic diagram of the second surface 120 of the smart card body 100 according to an embodiment of the present application. The first surface 110 is disposed relative to the second surface 120 .

In some embodiments, as shown in FIG. 1A , the first surface 110 of the smart card body 100 includes a chip 112 , a sensor 114 and a solar panel 116 . In some embodiments, as shown in FIG. 1B , the second surface 120 of the smart card body 100 includes a magnetic strip 122 and a sensor 124 .

In some embodiments, the smart card body 100 may include the sensor 114 disposed on the first surface 110 or the sensor 124 disposed on the second surface 120, or may include both the sensor 114 disposed on the first surface 110 and the The sensor 124 on the second surface 120, and the installation positions of the sensor 114 and the sensor 124 are not limited to the positions disclosed in Figs. 1A and 1B, and any position that can be easily accessed by the user is within the scope of protection of this disclosure.

In some embodiments, the detailed functions of the sensor 114 , the sensor 124 and the solar panel 116 will be further described in FIG. 2 , and will not be repeated here. In some embodiments, the chip 112 and the magnetic strip 122 are in the prior art, and have nothing to do with the technical features of the present disclosure.

FIG. 2 is a functional block diagram of a smart card 200 according to an embodiment of the present application. In some embodiments, as shown in FIG. 2, the smart card 200 includes a sensor 114/124, a processor 210, a storage 220, a battery unit 230 and a solar panel 116, wherein the processor 210 is coupled to the sensor 114/124 Between 124 and the storage 220 , one end of the battery unit 230 is coupled to the sensor 114 / 124 and the processor 210 , and the other end of the battery unit 230 is coupled to the solar panel 116 .

In some embodiments, the sensors 114 / 124 are used to sense a biometric feature and transmit the biometric feature to the processor 210 . In some embodiments, the sensors 114 / 124 are used to sense a user's fingerprint and transmit the fingerprint to the processor 210 . In other embodiments, the sensors 114/124 can be used to sense the pupils and blood of a user, but not limited thereto, any sensor that can be used with the user The biological features that generate a one-to-one correspondence are all within the scope of protection of the present disclosure.

In some embodiments, the sensor 114/124 may be implemented by a capacitive sensor or an optical camera, but is not limited thereto, any electronic device that can be used to detect biometrics about a user is covered by this disclosure In the range.

In some embodiments, the storage 220 is used to store an identification data, wherein the identification data includes the fingerprint pattern of the user, the vein distribution pattern of the fingerprint of the user, a blood sample or a pupil image, but not limited thereto, any User data that has changed over time can be used as identification data. In some embodiments, the identification data is stored in the storage 220 when the smart card 200 is manufactured, and cannot be changed, so as to prevent malicious persons from tampering with the identification data.

In some embodiments, storage 220 may be composed of semiconductor or solid state memory, magnetic tape, removable computer disk, random access memory (RAM), read only memory (ROM), hard disk and/or The optical disk can be implemented, but not limited thereto, and other readable storage media suitable for implementing the storage 220 are within the protection scope of the present disclosure.

In some embodiments, the processor 210 is configured to convert the biometric feature from the sensor 114/124 into a feature data, and compare the feature data with the identification data stored in the memory 220, and further herein When the characteristic data corresponds to the identification data stored in the storage 220, the transaction function of the smart card 200 is enabled. In some embodiments, the processor 210 converts the fingerprint from the sensors 114/124 into a fingerprint pattern, and compares the fingerprint pattern with the fingerprint pattern pre-stored in the memory 220, when the comparison result is displayed as same user When the fingerprint pattern is displayed, the transaction function of the smart card 200 is enabled. In some other embodiments, the processor 210 converts the fingerprint from the sensors 114/124 into a vein distribution pattern, and compares the vein distribution pattern with the vein distribution pattern pre-stored in the memory 220. When the result shows the vein distribution pattern of the same user, the transaction function of the smart card 200 is enabled. In some embodiments, the transaction function includes executing transaction procedures such as payment, withdrawal, transfer or loan.

In some embodiments, the processor 210 may be composed of a server, a circuit, a central processing unit (CPU), a microprocessor ( MCU) or other devices with equivalent functions.

In some embodiments, the solar panel 116 is used to absorb sunlight, convert the light energy into electrical energy, and transmit it to the battery unit 230 .

In some embodiments, the battery unit 230 is used to transmit power from the solar panel 116 to the processor 210 and the sensors 114/124, so that the processor 210 and the sensors 114/124 can perform processing procedures and sensing procedures, respectively .

In other embodiments, the smart card 200 only includes the sensors 114/124, the processor 210, the storage 220 and the battery unit 230, wherein the processor 210 is coupled between the sensors 114/124 and the storage 220, and the battery One end of the unit 230 is coupled to the sensor 114 / 124 and the processor 210 . In other words, the battery unit 230 in the smart card 200 does not obtain power from the solar panel 116, but is connected to a power source using a physical line for charging or is charged by a wireless charging technology.

Fig. 3 is based on an embodiment of the present case. A flowchart of the operation method 300 of the smart card 200 . In order to make the operation method 300 of the smart card 200 of this embodiment easier to understand, please refer to FIG. 2 and FIG. 3 together.

First, step S310 is executed to store an identification data in the storage 220 . In this step, in some embodiments, the financial institution or the manufacturer that manufactures the smart card 200 generates a corresponding pattern or data according to the biometric feature of a specific user, and stores it in the storage 220 as an identification data. Specifically, the financial institution or the manufacturer that makes the smart card 200 stores the pattern or data corresponding to the user's biometrics in the storage 220 as identification data during the initialization procedure of the smart card 200 .

Next, step S320 is executed to insert the smart card 200 into a card reader. In this step, when the user wants to conduct a transaction, the user inserts the smart card 200 into a card reader connected to a computer host, so that when the transaction function is enabled, the computer host can be connected to the Internet to perform the transaction procedure.

Next, step S330 is executed to sense a biological feature by the sensors 114/124. In this step, in some embodiments, the user places his finger on the position of the sensor 114 on the first surface 110 of the smart card body 100 or the sensor 124 on the second surface 120 to use the sensor 114/124 sense the user's fingerprint or vein distribution. In other embodiments, the user aligns the eyeball with the position of the sensor 114/124, or drops blood on the position of the sensor 114/124, so that the sensor 114/124 can sense the user's pupil pattern or blood concentration.

Next, step S340 is executed to generate a feature data by the processor 210 according to the biological features sensed by the sensors 114/124. In this step, the processor 210 uses the biological data sensed by the sensors 114/124 according to the corresponding The corresponding algorithm is converted into a feature data, wherein the algorithm can include a fingerprint identification algorithm, a vein identification algorithm, a pupil matching algorithm and a blood analysis matching algorithm, but is not limited to this. Anything that can be used to convert a biometric feature Algorithms for data are within the scope of protection of this disclosure.

Next, step S350 is executed, and the processor 210 compares the characteristic data and the identification data. In this step, the processor 210 compares the feature data corresponding to the biometric features sensed by the sensors 114 / 124 with the identification data stored in the storage 220 . In some embodiments, the method by which the processor 210 compares the characteristic data and the identification data includes pattern comparison, but is not limited thereto, any method that can be used to distinguish whether the characteristic data and the identification data correspond to the same user are included in the present disclosure. content protected.

Next, step S360 is executed to determine whether the feature data corresponds to the identification data. In this step, the processor 210 determines whether the characteristic data and the identification data correspond to the same user. When the processor 210 determines that the characteristic data and the identification data belong to the same user, step S380 is executed. When the processor 210 determines that the characteristic data and the identification data belong to the same user. Step S370 is executed when the identification data do not belong to the same user.

In some embodiments, the method by which the processor 210 determines whether the characteristic data corresponds to the identification data includes the processor 210 determining whether the characteristic data and the identification data are the same, and determining whether the characteristic data of a given portion corresponds to the identification of the given portion. The information is the same. In some embodiments, the given part may be 65%, but it is not limited to this, and any percentage by which it can be judged whether the characteristic data and the identification data correspond to the same user is within the scope of protection of the present disclosure. Inside.

In step S370, access to the smart card 200 is refused. at this step , the processor 210 refuses the computer host corresponding to the card reader to access the smart card 200 , in other words, the processor 210 stores the biometric features in the storage 220 when judging the user using the smart card 200 and initializing the smart card 200 Otherwise, the processor 210 refuses to allow the smart card 200 to perform any transaction procedure, so as to prevent the smart card 200 from being stolen or swiped by others.

In step S380, the transaction function of the smart card 200 is enabled. In this step, the processor 210 activates the transaction program of the smart card 200, so that the card reader inserted into the smart card 200 can be connected to the computer device, and further connected to the Internet for consumption, electronic transaction or any other payment behavior .

To sum up, according to the technical content of this case, the embodiment of this case provides a smart card 200 with a biometric identification function to enhance the security of credit cards and financial cards, and further installs a solar panel in the smart card 200 116, in order to solve the problem of insufficient power of the smart card 200.

Although this case is disclosed above with examples, it is not intended to limit this case. Anyone who is familiar with this technique can make various changes and modifications without departing from the spirit and scope of this case. Therefore, the protection scope of this case should be regarded as attached hereto. The one defined in the scope of the patent application shall prevail.

200‧‧‧Smart Card

210‧‧‧Processor

220‧‧‧Memory

230‧‧‧battery unit

114, 124‧‧‧Sensor

116‧‧‧Solar panels

Claims (9)

A smart card used for being coupled to a card reader to execute a transaction through a computer, comprising: a body including a first surface, a second surface opposite to the first surface, and an interior of the body; a sensor, disposed on the first surface or the second surface, and used for sensing a biological feature; a storage, disposed inside the body, and used to store an identification data; and a processor, disposed in the The inside of the body is coupled between the sensor and the storage, and is used for generating a characteristic data according to the biological feature, the processor is used for comparing the characteristic data and the identification data, and compares the characteristic data and the identification data Correspondingly, a transaction program is continuously started so that the card reader can be connected with the computer to carry out the transaction, wherein the processor compares the characteristic data and the identification data including judging whether a given part of the characteristic data is compatible with the The identification data corresponds to the data corresponding to the given part. The smart card of claim 1, wherein the processor is further configured to continuously start the transaction program when the characteristic data and the identification data are the same, so that the card reader is connected to the computer to perform the transaction. The smart card of claim 1, wherein the sensor is further configured to sense a fingerprint, and the processing unit is further configured to generate a first fingerprint pattern according to the fingerprint, and store the first fingerprint pattern in the one of the storage When the second fingerprint data is corresponding, the transaction program is started successively, and the card reader is connected with the computer to carry out the transaction. The smart card of claim 1, wherein the sensor is further configured to sense a fingerprint, and the processing unit is further configured to generate a first vein distribution pattern according to the fingerprint, and store the first vein distribution pattern in the first vein distribution pattern. When one of the second vein distribution data in the storage corresponds to, start the transaction program successively, and connect the card reader with the computer to carry out the transaction. The smart card of claim 1, further comprising: a battery unit disposed inside the body, coupled to the processor and the sensor, and used for supplying power to the processing unit and the sensor unit. The smart card of claim 5, further comprising: a solar panel disposed on the first surface and coupled to the battery unit, the solar panel is used to convert light energy into electrical energy and transmit it to the battery unit; The battery unit is further used for transmitting the electric energy from the solar panel to the processing unit and the sensing unit. The smart card of claim 1, wherein the identification data is stored in the storage during the manufacturing process of the smart card and cannot be changed. The smart card of claim 1, further comprising: a chip disposed on the first surface; and a magnetic stripe disposed on the second surface. The smart card of claim 1, wherein the biometric feature is sensed by a capacitive sensor or an optical camera.

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