TWI816535B - Authentication device for financial service - Google Patents

Abstract

An authentication device for financial service includes an automated teller machine, a server and a user electronic device. The automated teller machine includes an electronic stamp which has a touching pattern. The server is connected to the automated teller machine, and the server stores digital information of the touching pattern of the automated teller machine and index information of the automated teller machine, the digital information of the touching pattern corresponds to the index information. The user electronic device is connected to the server, and the user electronic device is configured to identify the touching pattern of the electronic stamp and generate identification information, the server is further configured to compare the digital information of the touching pattern and the index information with the identification information, so as to unlock the automated teller machine.

Description

Financial services authentication device

The present invention relates to an authentication device, in particular to a financial service authentication device using an electronic seal.

An automatic teller machine refers to a small machine set up by a bank that uses a credit card-sized magnetic stripe card or a chip on a chip card to record the customer's basic account information (usually called a bank card, debit card, ATM card, etc.). Customers can self-service bank counter services such as withdrawals, deposits, and transfers through machines.

When operating an ATM and performing transaction authentication, users must touch or press the buttons or touch screens of the ATM. However, because the buttons or touch screens of the ATM are touched by multiple people, there is a risk of bacterial or virus transmission. Problem arises.

Therefore, how to replace traditional ATMs and their authentication methods to solve the problem of bacterial or virus transmission has become one of the important issues.

In view of this, one object of the present invention is to provide a financial service authentication device including at least one automatic teller machine, a server and a user electronic device. The automated teller machine includes an electronic seal, wherein the electronic seal has a touch-sensitive graphic. The server is connected to the automatic teller machine, and the server stores the digital information of the touch pattern of the automatic teller machine and the index information of the automatic teller machine, and the index information corresponds to the digital information of the touch pattern. The user's electronic device is connected to the server, wherein the user's electronic device is configured to recognize the touch pattern of the electronic seal and generate identification information. The user's electronic device uploads the identification information to the server, and the server further compares the touch pattern based on the identification information. digital information and index information to unlock the ATM.

In some embodiments of the present invention, the touch pattern includes a plurality of protruding structures.

In some embodiments of the invention, the raised structures are columnar.

In some embodiments of the present invention, the digital information of the touch pattern includes position information of the protruding structure.

In some embodiments of the present invention, the electronic seal further includes an alignment structure, and the alignment structure and the protruding structure are disposed on a plane of the electronic seal.

In some embodiments of the present invention, the digital information of the touch pattern includes position information of the protruding structure, and the position information of the protruding structure is the relative position information of the protruding structure relative to the alignment structure.

In some embodiments of the present invention, the alignment structure is disposed on the symmetry axis of the plane of the electronic seal.

In some embodiments of the invention, the para-position structure is columnar.

In some embodiments of the present invention, the authentication device includes a sound wave generator, wherein the sound wave generator is configured to generate sound waves; the user electronic device is configured to receive the sound waves and generate sound wave information, and the user electronic device is further configured to upload the sound wave information to the server; and the server configuration to further unlock the ATM based on the sonic information.

In some embodiments of the present invention, the authentication device includes a sound wave generator, wherein the sound wave generator is configured to generate sound waves; the user electronic device is configured to receive the sound waves and confirm the sound characteristics of the sound waves, and then generate confirmation information, wherein the user electronic device It is also configured to upload confirmation information to the server; and the server is further configured to unlock the ATM based on the confirmation information.

To sum up, the authentication device of the present invention replaces the conventional financial card by combining an electronic seal and a user's electronic device, so it can complete relevant authentication without physical contact with the ATM (for example, operating the buttons or touch panel of the ATM). Programs to facilitate users to further operate the ATM and conduct transactions such as deposits, withdrawals or remittances. It can be seen from this that the authentication device provided by the present invention can perform transaction verification while reducing the need to touch the automatic teller machine, and therefore can effectively solve the problem of bacterial transmission and virus transmission.

The above is only used to describe the problems to be solved by the present invention, the technical means to solve the problems, the effects thereof, etc. The specific details of the present invention will be introduced in detail in the following embodiments and related drawings.

A plurality of embodiments of the present invention will be disclosed in the drawings below. For clarity of explanation, many practical details will be explained in the following description. However, it will be understood that these practical details should not limit the invention. That is to say, in some embodiments of the present invention, these practical details are not necessary. In addition, for the sake of simplifying the drawings, some commonly used structures and components are shown in the drawings in a simple schematic manner.

Please refer to pictures 1 to 6. Figure 1 shows a schematic diagram of the authentication device 10. Figure 2 shows a block diagram of the authentication device 10. Figure 3 shows a schematic diagram of the electronic seal 110 of the authentication device 10. Figure 4 shows a top view of the electronic seal 110 of the authentication device 10. FIG. 5 shows a schematic diagram of the user electronic device 300 of the authentication device 10 . Figure 6 shows a schematic diagram of the electronic seal 110 of the authentication device 10 and the user's electronic device 300. In some embodiments of the present invention, the authentication device 10 (the authentication device 10 is also referred to as the financial service authentication device 10) includes one or more financial service devices 100, a server 200 and a user electronic device 300. The financial service device 100 includes an electronic seal 110 , wherein the electronic seal 110 has a touch pattern 111 . The server 200 is connected to the financial service device 100. The server 200 stores the digital information of the touch pattern 111 of the financial service device 100 and the index information of the financial service device 100. The index information corresponds to the digital information of the touch pattern 111. The user electronic device 300 is connected to the server 200. The user electronic device 300 is configured to recognize the touch pattern 111 of the electronic seal 110 and generate recognition information. The user electronic device 300 uploads the recognition information to the server 200, where the server 200 further The identification information is compared with the digital information and index information of the touch pattern 111, thereby unlocking the transaction function of the financial service device 100. The authentication device 10 of the present invention replaces the conventional financial card by combining the electronic seal 110 and the user's electronic device 300, so it can complete the relevant authentication procedures without physically touching the financial service device 100, so that the user can further operate the financial service device 100 and Conduct transactions such as deposits, withdrawals or money transfers. It can be seen from this that the authentication device 10 provided by the present invention can perform transaction verification while reducing contact with the financial service device 100, and therefore can effectively solve the problem of bacterial transmission and virus transmission.

Specifically, the financial service device 100 may be an automated teller machine (ATM), and the touch pattern 111 of the electronic seal 110 includes a plurality of protruding structures 111a, and each financial service device 100 has a corresponding electronic seal 110. , the electronic seal 110 is tied to the financial service device 100, and the touch patterns 111 of the electronic seal 110 of all financial service devices 100 are different. In addition, the touch pattern 111 includes conductive cotton, conductive silicone or conductive fiber, but the invention is not limited thereto. The server 200 includes a central processing unit (CPU), a hard disk (for example, a solid state drive), a memory (for example, a random access memory), etc. The server 200 has powerful computing power and data processing capabilities. and data storage space. In addition, the server 200 stores the index information about the financial service device 100 and the digital information about the touch pattern 111 of the electronic seal 110. The index information of the financial service device 100 uniquely corresponds to the digital information about the touch pattern 111 of the electronic seal 110. And the index information of the financial service device 100 may include serial number code, geographical location information, Internet protocol address (IP address) or branch information to which it belongs. The digital information of the touch pattern 111 includes pattern information and position information (for example, the absolute position information, relative position information, or relative position information of the plurality of protruding structures 111a of the touch pattern 111 on the electronic seal 110 or relative to a certain reference on the electronic seal 110 point vector information) or distance information (for example, the shortest distance between any two protruding structures 111a of the touch pattern 111). In addition, the plurality of protruding structures 111a are spaced apart from each other, and the shortest distance between any two of the plurality of protruding structures 111a may be the same or different. In addition, the user electronic device 300 includes a touch panel (for example, a capacitive touch panel), and the user electronic device 300 may include a smart phone, a tablet computer or a notebook computer, but the present invention does not is limited.

In actual application, the user can first request the server 200 to initiate a transaction to the designated financial service device 100 through the software provided with the user's electronic device 300 . Then, the financial service device 100 is in a state of pending authentication, and the user presses the user electronic device 300 using the electronic seal 110 so that the touch pattern 111 of the electronic seal 110 contacts the touch panel of the user electronic device 300 . When the touch pattern 111 of the electronic seal 110 contacts the touch panel of the user's electronic device 300, the user's electronic device 300 recognizes the touch pattern 111 of the electronic seal 110 and generates identification information. Then, the user electronic device 300 can further upload the identification information to the server 200, so that the server 200 can further compare the digital information of the touch pattern 111 and the index information of the financial service device 100 based on the identification information to find the corresponding designated financial institution. The service device 100 and the server 200 unlock the transaction function of the designated financial service device 100 through the index information of the financial service device 100, so that the user can conduct transactions (eg, withdrawal, deposit or transfer) through the designated financial service device 100.

In some embodiments of the present invention, the electronic seal 110 includes a touch pattern 111, a body part 113 and a grip part 115. The grip part 115 extends from one side of the body part 113, and a plurality of touch patterns 111 The protruding structure 111a is provided on the other side of the body part 113. In other words, the touch pattern 111 and the grip portion 115 are respectively provided on opposite sides of the body portion 113 . In addition, the protruding structure 111a is columnar (for example, cylindrical, triangular columnar, square columnar or other polygonal columnar shape), so the user can easily hold the holding portion 115 of the electronic seal 110 and control the electronic seal 110 The touch pattern 111 contacts the touch panel of the user's electronic device 300 . In addition, the body part 113 may be in a square shape or a cylindrical shape, and the holding part 115 may be in a cylindrical shape, but the invention is not limited thereto.

Please refer to Figure 3 to Figure 6. In some embodiments of the present invention, the electronic seal 110 further includes an alignment structure 117. The plurality of protruding structures 111a and the alignment structure 117 are all disposed on the same plane S of the electronic seal 110. Therefore, the plurality of protruding structures 111a The alignment structure 117 may be a columnar structure extending upward from the plane S of the electronic seal 110 (for example, a cylinder, a triangular column, a square column or other polygonal column). In addition, the alignment structure 117 protrudes and extends on the other surface of the electronic seal 110, that is, the alignment structure 117 protrudes from two adjacent surfaces of the electronic seal 110 at the same time (please refer to Figures 3 and 6 at the same time). In addition, the alignment structure 117 is located on the edge of the plane S and on the symmetry axis S1 of the plane S. Therefore, the alignment structure 117 helps to align with the user's electronic device 300, and even the electronic seal 110 can pass through the alignment. The structure 117 is firmly pressed against the touch panel of the user's electronic device 300 . In some embodiments of the present invention, the digital information of the touch pattern 111 includes position information of the plurality of protruding structures 111a. The position information of the plurality of protruding structures 111a may be relative to the alignment structure 117 of the plurality of protruding structures 111a. relative position information (for example, vector information), but the present invention is not limited to this.

In addition, the user electronic device 300 generates a sensing area 310 (for example, a square frame shape or a circular frame shape) through the touch panel and the installed software, and the user electronic device 300 further includes an alignment area 330 (For example, a box-shaped pattern or a circular frame-shaped pattern), in which the sensing area 310 is configured to identify and detect the touch pattern 111 of the electronic seal 110, and the alignment area 330 is configured to align with the alignment structure 117, wherein the alignment Region 330 may be a groove and have a shape corresponding to alignment structure 117 so that alignment region 330 is aligned with and accommodates alignment structure 117 . In addition, since the sensing area 310 is aligned with the touch pattern 111 on the plane S of the electronic seal 110, the sensing area 310 can accurately and effectively identify and analyze the plurality of protruding structures 111a.

In some embodiments of the present invention, the financial service device 100 includes a sound wave generator 130. The sound wave generator 130 is disposed on the financial service device 100 and configured to generate sound waves, wherein the verification operation of unlocking the financial service device 100 includes: by using After the software of the user electronic device 300 requests the server 200 to submit a transaction to the designated financial service device 100, the sound wave generator 130 is caused to generate sound waves; the user electronic device 300 is caused to receive the sound waves and generate sound wave information; the user electronic device is caused to 300 uploads the acoustic wave information to the server 200; and causes the server 200 to further unlock the financial service device 100 based on the acoustic wave information. Specifically, the sound wave generator 130 includes a loudspeaker or a horn, where the sound waves generated by the sound wave generator 130 may have specific sound characteristics (eg, a specific waveform, frequency, or wavelength). In addition, the frequency of the sound waves generated by the sound wave generator 130 is higher than 20,000 Hz. Since this frequency is beyond the range that humans can hear, the generated sound waves will not disturb the user or become noise. In addition, the user electronic device 300 further includes a receiver or a microphone to receive sound waves and convert the sound waves into digital signals and transmit them to the server 200 . The server 200 stores a plurality of audio information, and the plurality of audio information respectively corresponds to a plurality of index information of the financial service device 100, so that the server 200 can further compare the stored plurality of sound waves after receiving the sound waves converted into digital information. audio information, and then find the corresponding index information and the designated financial service device 100 that generated the sound wave. Since the sound waves generated by the sound wave generator 130 will attenuate with distance, the authentication device 10 can ensure that the user and the user's electronic device 300 are indeed located near the designated financial service device 100 , thereby effectively improving the security of the authentication device 10 .

In other embodiments of the present invention, the verification operation of unlocking the financial service device 100 further includes: after requesting the server 200 to submit a transaction to the designated financial service device 100 through the software of the user electronic device 300, using The user electronic device 300 receives the sound wave; the user electronic device 300 confirms the sound wave and generates confirmation information; the user electronic device 300 further uploads the confirmation information to the server 200; and causes the server 200 to further unlock the financial service device 100 based on the confirmation information. In this embodiment, the user electronic device 300 stores a plurality of audio information to facilitate comparison and authentication, where the audio information includes corresponding sound characteristic information of the audio (for example, waveform information, frequency information or wavelength information of the audio), because The user electronic device 300 is responsible for confirming the accuracy of the sound wave and transmitting the verification information generated by the comparison to the server 200 for authentication, thereby saving the performance of the server 200 and improving the security of the authentication device 10 .

To sum up, the authentication device of the present invention replaces the conventional financial card by combining an electronic seal and a user's electronic device, so it can complete relevant authentication without physical contact with the ATM (for example, operating the buttons or touch panel of the ATM). Programs to facilitate users to further operate the ATM and conduct transactions such as deposits, withdrawals or remittances. It can be seen from this that the authentication device provided by the present invention can perform transaction verification while reducing contact with the automatic teller machine, and therefore can effectively solve the problem of bacterial transmission and virus transmission.

Different embodiments of the present invention have been described above. It should be understood that the different embodiments are presented only as examples and not as limitations. Many changes may be made to the embodiments disclosed herein without departing from the spirit and scope of the invention. Accordingly, the breadth and scope of the present invention should not be limited by the embodiments described above.

10:Authentication device 100:Financial service equipment 110: Electronic seal 111:Touch graphics 111a: raised structure 113: Ontology Department 115: Grip part 117: Counterpoint structure 130:Sound wave generator 200:server 300: User electronic device 310: Sensing area 330: Counterpoint area S: Plane S1: Axis of symmetry

In order to achieve the above advantages and features, the principles briefly described above will be explained in more detail with reference to embodiments, which are illustrated in the accompanying drawings. These drawings depict the invention by way of example only and therefore do not limit the scope of the invention. The principles of the invention will be explained clearly, and additional features and details will be fully described, by means of the accompanying drawings, in which: Figure 1 is a schematic diagram of an authentication device in some embodiments of the present invention. Figure 2 is a block diagram of an authentication device in some embodiments of the present invention. Figure 3 is a schematic diagram of an electronic seal of the authentication device in some embodiments of the present invention. Figure 4 shows a top view of the electronic seal of the authentication device in some embodiments of the present invention. Figure 5 is a schematic diagram of a user electronic device of the authentication device in some embodiments of the present invention. Figure 6 is a schematic diagram of a user electronic device and an electronic seal of the authentication device in some embodiments of the present invention.

Domestic storage information (please note in order of storage institution, date and number) without Overseas storage information (please note in order of storage country, institution, date, and number) without

10:Authentication device

100:Financial service equipment

110: Electronic seal

130:Sound wave generator

300: User electronic device

Claims (9)

A financial service authentication device, including: at least one automatic teller machine, including an electronic seal, wherein the electronic seal has a touch pattern, the touch pattern includes a plurality of protruding structures; a server connected to the automatic teller machine, wherein the server stores The digital information of the touch pattern of the ATM and the index information of the ATM, the index information corresponding to the digital information of the touch pattern; and a user electronic device connected to the server, wherein the user electronic device is configured with Recognize the touch pattern of the electronic seal and generate identification information. The user electronic device uploads the identification information to the server, wherein the server further compares the digital information of the touch pattern with the automatic The index information of the teller machine is used to unlock the ATM. The financial service authentication device as claimed in claim 1, wherein the protruding structures are columnar. The financial service authentication device as claimed in claim 1, wherein the digital information of the touch pattern includes position information of the protruding structures. The financial service authentication device as claimed in claim 1, wherein the electronic seal further includes an alignment structure, and the alignment structure and the protruding structures are disposed on a plane of the electronic seal. The financial services authentication device as described in claim 4, wherein The digital information of the touch pattern includes the position information of the protruding structures, and the position information of the protruding structures is the relative position information of the protruding structures relative to the alignment structure. The financial service authentication device as claimed in claim 4, wherein the alignment structure is disposed on the symmetry axis of the plane of the electronic seal. The financial service authentication device according to claim 4, wherein the alignment structure is columnar. The financial service authentication device according to claim 1, further comprising a sound wave generator, wherein the sound wave generator is configured to generate sound waves; the user electronic device is configured to receive the sound waves and generate sound wave information, and the user electronic device also configured to upload the acoustic information to the server; and the server is further configured to unlock the ATM based on the acoustic information. The financial service authentication device according to claim 1, further comprising a sound wave generator, wherein the sound wave generator is configured to generate sound waves; the user electronic device is configured to receive the sound waves and confirm the sound characteristics of the sound waves, and then generate confirmation information , wherein the user electronic device is further configured to upload the confirmation information to the server; and the server is further configured to unlock the ATM based on the confirmation information.

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