WO2001067383A1 - A method of settlement of an electronic card organizer for financial information using a fingerprinter information - Google Patents

A method of settlement of an electronic card organizer for financial information using a fingerprinter information Download PDF

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Publication number
WO2001067383A1
WO2001067383A1 PCT/KR2001/000341 KR0100341W WO0167383A1 WO 2001067383 A1 WO2001067383 A1 WO 2001067383A1 KR 0100341 W KR0100341 W KR 0100341W WO 0167383 A1 WO0167383 A1 WO 0167383A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
fingeφrint
electronic card
settlement
organizer
Prior art date
Application number
PCT/KR2001/000341
Other languages
French (fr)
Inventor
Hong-Sik Koo
Original Assignee
Koo Hong Sik
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Koo Hong Sik filed Critical Koo Hong Sik
Priority to AU2001237782A priority Critical patent/AU2001237782A1/en
Publication of WO2001067383A1 publication Critical patent/WO2001067383A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically

Definitions

  • the present invention relates to a method of settlement for an electronic card organizer for financial information, or more particularly to a method of settlement for an electronic card 20 for financial information, using fingerprint data, for settlement by connecting to a terminal necessary for financial settlement and electronic commerce by means of using an electronic card organizer 20 for financial information, capable of user authentication by using the fingerprint data.
  • a fingerprint is one of the bodily characteristics of human. Since everyone's is different from one another, along with its unique characteristic of not changing over one's lifetime, a fingerprint provides higher reliability and stability with respect to its ability for identification, as compared other means, e.g., a retina, ins, vein, and face recognition. As such, it is being used as an efficient means of individual authentication.
  • people For commercial transactions by using fingerprints, people have used a card having an IC chip installed therein for sto ⁇ ng fingerprints, which stores user fingerprint data, or a card printed with a fingerprint on the particular section thereof after taking a fingerprint from the user at the time of issuing a card. This has been used as a means of user authentication for settlement of money in commercial transactions.
  • the present invention seeks to provide a method of settlement for an electronic organizer card organizer 20 for financial information, which comprises storing user finge ⁇ rint data on an electronic card organizer for financial information; processing user authentication by reading user finge ⁇ rint information at the time of each financial settlement; connecting to a card-reader terminal; and upon receiving a request for finge ⁇ rint information from the main system requesting an approval for transaction; and once again processing user authentication by transmitting the finge ⁇ rint information stored on said electronic card organizer for financial information to said main system.
  • the present invention comprises an electronic card organizer having a data input unit 11, a finge ⁇ rint input unit 12, an IC chip (illustration omitted) storing user finge ⁇ rints or a data storage unit 15, a user authentication processing unit 16, a control unit 10, an input/out terminal 17, a RF communication unit 18, a magnetic data storage unit 19, wire/wireless linkers (23, 24), a data display unit 14, and a power unit 13; and a card-reader terminal having a data storage unit, a data display unit, and a connection terminal which can be connected respectively to said electronic card organizer 20 for financial information, an input/output terminal 17, a RF communication unit 18, or wire/wireless linkers (23, 24).
  • the present invention comprises as follows: The finge ⁇ rint information is read, inputted from the finge ⁇ rint input unit 12 of said electronic card organizer 20 for financial information. Then, while comparing it with the pre-stored finge ⁇ rint information for determining to grant user authentication, if they match, the finge ⁇ rint information is stored in compression for a certain period of time at the data storage unit 15 by extracting the features of a finge ⁇ rint, followed by encoding. If they do not match, after undergoing the user authentication process, returning to the stand-by mode, a connection is made to said card-reader terminal 30.
  • the finge ⁇ rint information stored in compression at the data storage unit 15 of said electronic card organizer 20 for financial information is transmitted through said main system 40, followed by deletion thereafter. If the signal requesting finge ⁇ rint information for user authentication from said main system 40 is not transmitted, only the information necessary for an approval for transaction is transmitted to said main system 40 through said card-reader terminal 30. Then, if the finge ⁇ rint information is requested, the main system 40 carries out a comparison with the finge ⁇ rint information of the account requesting an approval for the corresponding transaction.
  • the conventional process of approving a transaction without the process of confirmation of finge ⁇ rint information is carried out.
  • the transaction approval number and the transaction details are transmitted to said card-reader terminal 30.
  • the e ⁇ or message pertaining to the denial of an approval for transaction along with the error code is transmitted to said card-reader terminal 30.
  • the card-reader terminal 30 equipped as such can carry out the same functions of the process of user authentication of said electronic card organizer 20 for financial information, prior to its connection to said electronic card organizer for financial information.
  • the card-reader terminal 30 stores said resulting information for the approval of transaction at the date storage unit of said card-reader terminal 30 while simultaneously displaying the same on the data displaying unit. There, the information of transaction details stored therein can be referenced and outputted through a printing device.
  • the present invention provides a method of settlement for an electronic card organizer for financial information by using finge ⁇ rint information, which comprises as follows: After receiving authorization for an approval for transaction from said main system 40 requesting an approval for transaction, or the data according to the denial of an approval for transaction, the card-reader terminal 30 transmits the data to said electronic card organizer 20 for financial information for the pu ⁇ ose of allowing confirmation on the data displaying unit 14 of said electronic card organizer 20 for financial information.
  • the present invention provides a method of settlement for an electronic card organizer for financial information by using finge ⁇ rint information, which comprises as follows: the connection between said electronic card organizer 20 for financial information and the card-reader terminal 30 can be achieved by one of the means of wire/wireless linkers (23, 24), an input/output terminal 17, or a RF communication unit 18. It is equipped with a magnetic data storage unit equivalent to the conventional magnetic data storage medium. Connecting to the conventional magnetic card-reader, the present invention allows settlement by means of the conventional method.
  • the present invention provides a method of settlement for an electronic card organizer for financial information by using finge ⁇ rint information, which comprises as follows: the card-reader terminal 30 is a wire/wireless terminal, which needs a user authentication function, e.g., a desktop computer, a notebook computer, and a portable mobile telephone.
  • the card-reader terminal 30 is a wire/wireless terminal, which needs a user authentication function, e.g., a desktop computer, a notebook computer, and a portable mobile telephone.
  • the present invention provides a method of settlement for an electronic card organizer for financial information by using finge ⁇ rint information, which comprises as follows: After selecting a credit card for allowing settlement for a transportation card and undergoing user authentication at said user authentication processing unit 16, the electronic card organizer 20 for financial information allows settlement by way of connection to the transportation card terminal.
  • the present invention provides a method of settlement for an electronic card organizer for financial information by using finge ⁇ rint information, which comprises as follows: After selecting the bank account information and undergoing user authentication at said user authentication processing unit 16, the electronic card organizer 20 for financial information allows settlement by way of connection to the ATM terminal on bank network.
  • the present invention provides a method of settlement for an electronic card organizer for financial information by using finge ⁇ rint information, wherein the process of storing in compression the finge ⁇ rint information for a certain period of time onto said data storage unit 15comprises the steps of (1) inputting of a finge ⁇ rint from the finge ⁇ rint input unit 12; (2) extracting the features of a finge ⁇ rint, such as a ridge bifurcation, ridge direction, and ridge ends;
  • the electronic card organizer 20 for financial information is well described in
  • Fig. 1 is a concept bloc diagram, which outlines the method of settlement for an electronic card organizer for financial information, using finge ⁇ rint information, according to the present invention.
  • Fig. 2 is a concept bloc diagram, which outlines the internal construction of an electronic card organizer for financial information according to the present invention.
  • Fig. 3 is a perspective view, which shows the construction of an electronic card organizer 20 for financial information according to the present invention.
  • Fig. 4 is a flowchart, outlining one of the embodiments of the present invention.
  • Fig. 5 is a flowchart, which describes the encoding process of finge ⁇ rint information by using the features of a finge ⁇ rint according to the present invention.
  • Fig. 1 is a concept bloc diagram, which outlines the method of settlement for an electronic card organizer for financial information, using finge ⁇ rint information, according to the present invention.
  • Fig. 2 is a concept bloc diagram, which outlines the internal construction of an electronic card organizer for financial information according to the present invention.
  • Fig. 3 is a perspective view, which shows the construction of an electronic card organizer 20 for financial information according to the present invention.
  • Fig. 4 is a flowchart, outlining one of the embodiments of the present invention.
  • Fig. 5 is a flowchart, which describes the encoding process of finge ⁇ rint information by using the features of a finge ⁇ rint according to the present invention.
  • the present invention is a method for pre-registering the finge ⁇ rint (hereinafter the master finge ⁇ rint) for user authentication at the time of financial settlement, which comprises a data input unit 11 which inputs information for credit cards, debit cards, bank account, etc., and a finge ⁇ rint input unit 12 equipped with a piezo-electric sensor for recognizing or sensing the shapes, locations, and angles thereof.
  • the master finge ⁇ rint hereinafter the master finge ⁇ rint
  • the present invention is a method for pre-registering the finge ⁇ rint (hereinafter the master finge ⁇ rint) for user authentication at the time of financial settlement, which comprises a data input unit 11 which inputs information for credit cards, debit cards, bank account, etc., and a finge ⁇ rint input unit 12 equipped with a piezo-electric sensor for recognizing or sensing the shapes, locations, and angles thereof.
  • an electronic card organizer 20 comprises an IC chip (illustration omitted) which pre-stores finge ⁇ rint information and the location data of a subscriber of an electronic card organizer 20 for financial information at the time of its issuance, or a data storage unit 15 which stores the shapes, locations and angles of the finge ⁇ rint by directly taking one's finge ⁇ rint by means of a finge ⁇ rint input unit 12 after receiving the electronic card organizer 20 for financial information.
  • the finge ⁇ rint information which is inputted from the finge ⁇ rint input unit 12, is read therein.
  • the control unit 10 transmits only the data necessary for an approval for transaction.
  • an electronic card organizer 20 for financial information which comprises as follows: a magnetic data storage unit which is equivalent to the conventional magnetic data storage medium; a contact-type input/output terminal 17; a non-contact type RF communication unit 18; wire/wireless linkers (23, 24) which allows connection to the card-reader 30 via wire/wireless mode for downloading the information such as changes in the main system of the co ⁇ esponding company and other application programs; a data display unit 14 which displays information as inputted or transactional details; and a power unit 13.
  • a magnetic data storage unit which is equivalent to the conventional magnetic data storage medium
  • a contact-type input/output terminal 17 a non-contact type RF communication unit 18
  • wire/wireless linkers (23, 24) which allows connection to the card-reader 30 via wire/wireless mode for downloading the information such as changes in the main system of the co ⁇ esponding company and other application programs
  • a data display unit 14 which displays information as inputted or transactional details
  • a power unit 13 Moreover, as shown
  • a finge ⁇ rint input unit 12 for extracting the shapes, locations and angles of a finge ⁇ rint taken each time the users uses a card, or coordinates at a constant interval at the frontal side; a finge ⁇ rint input unit 12 in which a piezo-electric sensor installed on the back side of the finge ⁇ rint input unit 12 transforming the shapes, angles, and locations of the user's finge ⁇ rint to the finge ⁇ rint and location information data based on the changes in electric charge according to the electric changes in the features of a finge ⁇ rint as taken thereby; a data storage unit 15 for storing the information thereof; a data input unit 11 for allowing inputs and selection of various information including schedule management, telephone number directories, credit card accounts, debit cards, and bank accounts; a data display unit 14 for displaying inputted information; a power switch 21; and a lamp 22 for showing the operation of transmitting/receiving, etc.
  • an electronic card organizer 20 comprises: a magnetic data storage unit 18 of a contact-type, which has a record of readable information from a conventional card-reader; a contact-type input/output terminal 17, for example, having a plated surface, for transmitting the finge ⁇ rint information stored in compression, encrypted in the user authentication processing unit 16 by means of said control unit 10 upon request by the terminal for electronic commerce or financial settlement; a non-contact-RF communication unit 18; wire/wireless linkers (23, 24) for connecting to the card-reader terminal 30 in a wire/wireless mode and for downloading information, such as changes in the main system of the credit card company or other application programs.
  • the contact-type input/output terminal 17, as shown in Fig. 3(b), comprises a power source terminal for charging the battery of the power unit 13 installed within the electronic cared organizer 20 for financial information; and an input/output terminal for input/outputting various types of signals.
  • the card-reader terminal 30 can be of any type of devices requiring user authentication, e.g., conventional credit card terminals, ATM terminals on bank network, desktop computers, notebook computers, and portable mobile telephones.
  • the card-reader terminal 30 is equipped with one or more of connection terminals for an electronic cared organizer 20 for financial information, a magnetic data storage unit 19, an input/output terminal 17, wire/wireless linkers (23, 24), and a RF communication unit 18.
  • the present invention is a method of settlement for an electronic card organizer 20 for financial information, using finge ⁇ rint information, wherein the procedure of approving a transaction comprises the following nine steps of: (1) installing an IC chip (illustration omitted) which pre-stores finge ⁇ rint information and location data of a subscriber of an electronic card organizer 20 for financial information at the time of its issuance, or storing the shapes, locations and angles of a finge ⁇ rint by directly taking one's finge ⁇ rint by means of a finge ⁇ rint input unit 15 after receiving the electronic card organizer 20 for financial information; and additionally storing or deleting the finge ⁇ rint information of a user of an electronic card organizer 20 for financial information under the approval of said master finge ⁇ rint, as a method of inputting information relating to financial transactions and accounts, such as credit cards, debit cards, bank account, etc., to the electronic card organizer 20 for financial information and pre-registering the finge ⁇ rint (hereinafter the master finge ⁇ rin
  • Step 2 selecting one of the credit cards inputted and stored in Step 1, at the time of settlement of money for a purchase by a user;
  • a settlement is possible with said card-reader terminal 30 equipped with the functions of a user authentication process of an electronic card organizer 20 for financial information.
  • the process starts with Step A-l of pre-registering the user finge ⁇ rint as a master finge ⁇ rint, which is akin to Step 1, and after undergoing Step A-2 of user authentication by means of the method of Step 3, Steps 4-8 follow.
  • the transaction results received from Step 9 are stored in the data storage unit (illustration omitted) of said card-reader terminal 30, and while displaying the results on the display device (illustration omitted), with the steps of said process as such, the results are transmitted to said electronic card organizer 20 for financial information.
  • finge ⁇ rint information As above, in the method of settlement for an electronic card organizer for financial information, using finge ⁇ rint information, according to the present invention, by being equipped with the function of user authentication within the electronic card organizer 20 for financial information, it is unnecessary to additionally install a finge ⁇ rint input unit or equip with the function of finge ⁇ rint recognition onto the card-reader terminal 30 for user authentication at the time of electronic commerce or financial settlement. Further, it can carry out user authentication, prior to the settlement, and once again carry out user authentication at the time of request for finge ⁇ rint information from the main system 40 which had received the request for approving a transaction.
  • the transaction occurs after the user authentication of the electronic card organizer 20 for financial information and of the card-reader terminal 30.
  • approving of a transaction is possible on the part of the main system 40 of the corresponding dealing company without a separate approval procedure.
  • the data can be stored and at the same time displayed on the electronic card organizer 40 for financial information and on the card-reader terminal 30, without outputting a separate receipt, e.g., a conventional transaction account receipt. Consequently, a separate receipt such as a transaction account receipt is not needed, nor its output device.
  • the present invention is not limited by the aforementioned embodiments and can be worked in a variety of forms without exceeding the scope of its technical subject matter therein.
  • the information for a bank account instead of a credit card, can be selected in Step 2.
  • the transaction After undergoing user authentication (Step 3), and connecting to the main system of the corresponding account through ATM, etc. (Step 4), through Steps 5-9, the transaction can be made by manipulating an ATM, much like the conventional method of transaction.
  • the data necessary for approving a transaction can be transmitted by connecting to a desktop computer, a notebook computer, a portable mobile telephone, etc.
  • a conventional bank credit card can also be used as a transportation card for subway, bus, etc.
  • a bank credit card capable of being used as a transportation card can be selected in Step 2. After undergoing user authentication (Step 3), it can also be used as method of settlement.
  • a transaction is possible by means of the conventional method of transaction by using a magnetic data storage unit 19 having the same functions as the conventional magnetic storage medium.
  • the electronic card organizer 20 for financial information by equipping the electronic card organizer 20 for financial information with the functions of user authentication, it is unnecessary to additionally install a finge ⁇ rint input unit or equip it with the functions of finge ⁇ rint recognition onto the card-reader terminal 30 for user authentication at the time of electronic commerce or financial settlement. Further, it can once again carry out user authentication at the time of request for finge ⁇ rint information from the main system 40 which had received the request for approving a transaction. As such, improper use can be almost completely prevented. Due to the fact that the function of user authentication of said electronic card organizer 20 for financial information can be installed onto the card-reader terminal 30, the transaction occurs after the user authentication of the electronic card organizer 20 for financial information and of the card-reader terminal 30.
  • the data can be stored and at the same time displayed on the electronic card organizer 40 for financial information and on the card-reader terminal 30, without outputting a separate receipt, e.g., a conventional transactional account receipt. Consequently, a separate receipt such as a transaction account receipt is not needed, nor its output device, which in turn would lead to cost reduction. Also, the stored transaction details can be viewed at any time.
  • the present invention comprises a magnetic data storage unit, an input/output terminal, a RF communication unit, and wire/wireless linkers. Accordingly, it is easy to connect with any type of card-reader terminals. Even during the time of overloading for approving transactions, with respect to the method of settlement involving the current transactional method and the use of finge ⁇ rint information, the present invention is not restricted to the limitations imposed by such transactions.

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  • General Physics & Mathematics (AREA)
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  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
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  • General Engineering & Computer Science (AREA)
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Abstract

The present invention relates to a method of settlement for an electronic card organizer for financial information, which comprises storing fingerprint data of a user on an electronic card organizer for financial information; processing user authentication by reading the fingerprint information of the user at the time of each financial settlement; connecting to a card-reader terminal, and upon receiving a request for fingerprint information from the main system requesting an approval for transaction, once again processing user authentification by transmitting the fingerprint information stored on said electronic card organizer for financial information to said main system.

Description

A METHOD OF SETTLEMENT OF AN ELECTRONIC CARD
ORGANIZER FOR FINANCIAL INFORMATION USING A
FINGERPRINTER INFORMATION
Technical Field
The present invention relates to a method of settlement for an electronic card organizer for financial information, or more particularly to a method of settlement for an electronic card 20 for financial information, using fingerprint data, for settlement by connecting to a terminal necessary for financial settlement and electronic commerce by means of using an electronic card organizer 20 for financial information, capable of user authentication by using the fingerprint data.
Background Art
Generally, a fingerprint is one of the bodily characteristics of human. Since everyone's is different from one another, along with its unique characteristic of not changing over one's lifetime, a fingerprint provides higher reliability and stability with respect to its ability for identification, as compared other means, e.g., a retina, ins, vein, and face recognition. As such, it is being used as an efficient means of individual authentication. For commercial transactions by using fingerprints, people have used a card having an IC chip installed therein for stoπng fingerprints, which stores user fingerprint data, or a card printed with a fingerprint on the particular section thereof after taking a fingerprint from the user at the time of issuing a card. This has been used as a means of user authentication for settlement of money in commercial transactions. Nevertheless, even if one has a card having an IC chip for stoπng fingerpπnts, which stores user fingerpnnt data, or a card pπnted with a fingerpnnt on the particular section thereof after taking a fingerpnnt from the user at the time of issuing a card for carrying out user authentication as above, there has to be a part for taking fingerpnnts and capability for fingerpnnt recognition on a wire/wireless terminal device necessary for electronic commerce, or on a card-reader, such as an Easy-checker. Further, at the time of settlement, it is only possible by directly putting a user's finger against the part for taking fingerprints on a corresponding device. For this reason, there is inconvenience in its actual use for user authentication. Further, there is a high likelihood of contamination on the part for taking fingerprints of the corresponding device. Moreover, due to the vast amount of information for fingeφrint data, there may be a process delay in the settlement system, or by exceeding process capacity at the time of a sudden jump of users, there may be a system failure.
DISCLOSURE OF THE INVENTION In solving the problems of prior art as mentioned above, the present invention seeks to provide a method of settlement for an electronic organizer card organizer 20 for financial information, which comprises storing user fingeφrint data on an electronic card organizer for financial information; processing user authentication by reading user fingeφrint information at the time of each financial settlement; connecting to a card-reader terminal; and upon receiving a request for fingeφrint information from the main system requesting an approval for transaction; and once again processing user authentication by transmitting the fingeφrint information stored on said electronic card organizer for financial information to said main system.
For achieving said objectives, the present invention comprises an electronic card organizer having a data input unit 11, a fingeφrint input unit 12, an IC chip (illustration omitted) storing user fingeφrints or a data storage unit 15, a user authentication processing unit 16, a control unit 10, an input/out terminal 17, a RF communication unit 18, a magnetic data storage unit 19, wire/wireless linkers (23, 24), a data display unit 14, and a power unit 13; and a card-reader terminal having a data storage unit, a data display unit, and a connection terminal which can be connected respectively to said electronic card organizer 20 for financial information, an input/output terminal 17, a RF communication unit 18, or wire/wireless linkers (23, 24).
In providing the method of settlement for an electronic card organizer for financial information by using fingeφrint information, the present invention comprises as follows: The fingeφrint information is read, inputted from the fingeφrint input unit 12 of said electronic card organizer 20 for financial information. Then, while comparing it with the pre-stored fingeφrint information for determining to grant user authentication, if they match, the fingeφrint information is stored in compression for a certain period of time at the data storage unit 15 by extracting the features of a fingeφrint, followed by encoding. If they do not match, after undergoing the user authentication process, returning to the stand-by mode, a connection is made to said card-reader terminal 30. When the signal for requesting fingeφrint information for user authentication is transmitted from the corresponding main system 40 requesting an approval for transaction, the fingeφrint information stored in compression at the data storage unit 15 of said electronic card organizer 20 for financial information is transmitted through said main system 40, followed by deletion thereafter. If the signal requesting fingeφrint information for user authentication from said main system 40 is not transmitted, only the information necessary for an approval for transaction is transmitted to said main system 40 through said card-reader terminal 30. Then, if the fingeφrint information is requested, the main system 40 carries out a comparison with the fingeφrint information of the account requesting an approval for the corresponding transaction. If the fingeφrint information is not requested, the conventional process of approving a transaction without the process of confirmation of fingeφrint information is carried out. When there is an approval for transaction, the transaction approval number and the transaction details are transmitted to said card-reader terminal 30. When there is a denial of an approval for transaction, the eπor message pertaining to the denial of an approval for transaction along with the error code is transmitted to said card-reader terminal 30. Moreover, the card-reader terminal 30 equipped as such can carry out the same functions of the process of user authentication of said electronic card organizer 20 for financial information, prior to its connection to said electronic card organizer for financial information. In this case, when the resulting information for an approval for transaction is transmitted from the main system 40 to said card-reader terminal 30, the card-reader terminal 30 stores said resulting information for the approval of transaction at the date storage unit of said card-reader terminal 30 while simultaneously displaying the same on the data displaying unit. There, the information of transaction details stored therein can be referenced and outputted through a printing device.
Moreover, the present invention provides a method of settlement for an electronic card organizer for financial information by using fingeφrint information, which comprises as follows: After receiving authorization for an approval for transaction from said main system 40 requesting an approval for transaction, or the data according to the denial of an approval for transaction, the card-reader terminal 30 transmits the data to said electronic card organizer 20 for financial information for the puφose of allowing confirmation on the data displaying unit 14 of said electronic card organizer 20 for financial information.
Moreover, the present invention provides a method of settlement for an electronic card organizer for financial information by using fingeφrint information, which comprises as follows: the connection between said electronic card organizer 20 for financial information and the card-reader terminal 30 can be achieved by one of the means of wire/wireless linkers (23, 24), an input/output terminal 17, or a RF communication unit 18. It is equipped with a magnetic data storage unit equivalent to the conventional magnetic data storage medium. Connecting to the conventional magnetic card-reader, the present invention allows settlement by means of the conventional method.
Moreover, the present invention provides a method of settlement for an electronic card organizer for financial information by using fingeφrint information, which comprises as follows: the card-reader terminal 30 is a wire/wireless terminal, which needs a user authentication function, e.g., a desktop computer, a notebook computer, and a portable mobile telephone.
Moreover, the present invention provides a method of settlement for an electronic card organizer for financial information by using fingeφrint information, which comprises as follows: After selecting a credit card for allowing settlement for a transportation card and undergoing user authentication at said user authentication processing unit 16, the electronic card organizer 20 for financial information allows settlement by way of connection to the transportation card terminal.
Moreover, the present invention provides a method of settlement for an electronic card organizer for financial information by using fingeφrint information, which comprises as follows: After selecting the bank account information and undergoing user authentication at said user authentication processing unit 16, the electronic card organizer 20 for financial information allows settlement by way of connection to the ATM terminal on bank network.
Moreover, the present invention provides a method of settlement for an electronic card organizer for financial information by using fingeφrint information, wherein the process of storing in compression the fingeφrint information for a certain period of time onto said data storage unit 15comprises the steps of (1) inputting of a fingeφrint from the fingeφrint input unit 12; (2) extracting the features of a fingeφrint, such as a ridge bifurcation, ridge direction, and ridge ends;
(3) comparing and analyzing by using the features of said fingeφrint; (4) encoding the data compared and analyzed in Step 3; (5) storing said encoded data to said data input unit 15; and (6) storing in compression by way of encryption during outside transmission.
The electronic card organizer 20 for financial information is well described in
Korean Patent Application Nos. 10-2000-0010921 (February 24, 2000), and 10- 2000-0010921 (March 4, 2000). Further, for the method of extracting fingeφrint information, the references are made to the descriptions of US Patent No. 5,841,888, registered on January 23 by Harris Coφ.
Brief Description of Drawings Fig. 1 is a concept bloc diagram, which outlines the method of settlement for an electronic card organizer for financial information, using fingeφrint information, according to the present invention.
Fig. 2 is a concept bloc diagram, which outlines the internal construction of an electronic card organizer for financial information according to the present invention. Fig. 3 is a perspective view, which shows the construction of an electronic card organizer 20 for financial information according to the present invention. Fig. 4 is a flowchart, outlining one of the embodiments of the present invention. Fig. 5 is a flowchart, which describes the encoding process of fingeφrint information by using the features of a fingeφrint according to the present invention.
Best Mode for Carrying out the Invention
An electronic card organizer 20 for financial information according to the present invention is described in detail as below with references to the attached figures.
Fig. 1 is a concept bloc diagram, which outlines the method of settlement for an electronic card organizer for financial information, using fingeφrint information, according to the present invention. Fig. 2 is a concept bloc diagram, which outlines the internal construction of an electronic card organizer for financial information according to the present invention. Fig. 3 is a perspective view, which shows the construction of an electronic card organizer 20 for financial information according to the present invention. Fig. 4 is a flowchart, outlining one of the embodiments of the present invention. Fig. 5 is a flowchart, which describes the encoding process of fingeφrint information by using the features of a fingeφrint according to the present invention.
As shown in Fig. 2, the present invention is a method for pre-registering the fingeφrint (hereinafter the master fingeφrint) for user authentication at the time of financial settlement, which comprises a data input unit 11 which inputs information for credit cards, debit cards, bank account, etc., and a fingeφrint input unit 12 equipped with a piezo-electric sensor for recognizing or sensing the shapes, locations, and angles thereof. More particularly, an electronic card organizer 20 comprises an IC chip (illustration omitted) which pre-stores fingeφrint information and the location data of a subscriber of an electronic card organizer 20 for financial information at the time of its issuance, or a data storage unit 15 which stores the shapes, locations and angles of the fingeφrint by directly taking one's fingeφrint by means of a fingeφrint input unit 12 after receiving the electronic card organizer 20 for financial information. At the time of settlement, the fingeφrint information, which is inputted from the fingeφrint input unit 12, is read therein. If there is a match by comparing it with the inputted master fingeφrint information, the features of the fingeφrint are extracted and stored in compression by way of encryption. It there is no match, the user authentication processing unit 16 that authenticates legitimacy of a user, returns to the stand-by mode. Then, when the request signal for transmitting fingeφrint information for carrying out authentication is inputted from the card-reader terminal 30, after transmitting the fingeφrint information stored in compression by encryption at the data storage unit 15 to said card-reader terminal 30, the encrypted fingeφrint information stored at the data storage unit 15 is deleted. If there is no request for transmission of fingeφrint information from said terminal 30, the control unit 10 transmits only the data necessary for an approval for transaction. Moreover, the present invention provides an electronic card organizer 20 for financial information, which comprises as follows: a magnetic data storage unit which is equivalent to the conventional magnetic data storage medium; a contact-type input/output terminal 17; a non-contact type RF communication unit 18; wire/wireless linkers (23, 24) which allows connection to the card-reader 30 via wire/wireless mode for downloading the information such as changes in the main system of the coπesponding company and other application programs; a data display unit 14 which displays information as inputted or transactional details; and a power unit 13. Moreover, as shown in Fig. 3(a), the inner side of said electronic card organizer
20 for financial information comprises as follows: exterior-angle edges of a fingeφrint input unit 12 for extracting the shapes, locations and angles of a fingeφrint taken each time the users uses a card, or coordinates at a constant interval at the frontal side; a fingeφrint input unit 12 in which a piezo-electric sensor installed on the back side of the fingeφrint input unit 12 transforming the shapes, angles, and locations of the user's fingeφrint to the fingeφrint and location information data based on the changes in electric charge according to the electric changes in the features of a fingeφrint as taken thereby; a data storage unit 15 for storing the information thereof; a data input unit 11 for allowing inputs and selection of various information including schedule management, telephone number directories, credit card accounts, debit cards, and bank accounts; a data display unit 14 for displaying inputted information; a power switch 21; and a lamp 22 for showing the operation of transmitting/receiving, etc.
Moreover, as shown in Fig. 3(b), on the back side of an electronic card organizer 20 comprises: a magnetic data storage unit 18 of a contact-type, which has a record of readable information from a conventional card-reader; a contact-type input/output terminal 17, for example, having a plated surface, for transmitting the fingeφrint information stored in compression, encrypted in the user authentication processing unit 16 by means of said control unit 10 upon request by the terminal for electronic commerce or financial settlement; a non-contact-RF communication unit 18; wire/wireless linkers (23, 24) for connecting to the card-reader terminal 30 in a wire/wireless mode and for downloading information, such as changes in the main system of the credit card company or other application programs. Moreover, the contact-type input/output terminal 17, as shown in Fig. 3(b), comprises a power source terminal for charging the battery of the power unit 13 installed within the electronic cared organizer 20 for financial information; and an input/output terminal for input/outputting various types of signals.
Moreover, the card-reader terminal 30 can be of any type of devices requiring user authentication, e.g., conventional credit card terminals, ATM terminals on bank network, desktop computers, notebook computers, and portable mobile telephones. The card-reader terminal 30 is equipped with one or more of connection terminals for an electronic cared organizer 20 for financial information, a magnetic data storage unit 19, an input/output terminal 17, wire/wireless linkers (23, 24), and a RF communication unit 18.
Further, the operation of processing a credit card is explained as below, wherein it is processed by means of the flow of settlement for an electronic card organizer 20 for financial information using fingeφrint information according to the present invention constructed as above.
The present invention is a method of settlement for an electronic card organizer 20 for financial information, using fingeφrint information, wherein the procedure of approving a transaction comprises the following nine steps of: (1) installing an IC chip (illustration omitted) which pre-stores fingeφrint information and location data of a subscriber of an electronic card organizer 20 for financial information at the time of its issuance, or storing the shapes, locations and angles of a fingeφrint by directly taking one's fingeφrint by means of a fingeφrint input unit 15 after receiving the electronic card organizer 20 for financial information; and additionally storing or deleting the fingeφrint information of a user of an electronic card organizer 20 for financial information under the approval of said master fingeφrint, as a method of inputting information relating to financial transactions and accounts, such as credit cards, debit cards, bank account, etc., to the electronic card organizer 20 for financial information and pre-registering the fingeφrint (hereinafter the master fingeφrint) for user authentication at the time of financial settlement;
(2) selecting one of the credit cards inputted and stored in Step 1, at the time of settlement of money for a purchase by a user;
(3) putting one's finger against the fingeφrint input unit 12, the fingeφrint of which corresponds to the one which has been registered with the card company; reading the fingeφrint as taken through the piezo-electric sensor installed onto the back side of said fingeφrint input unit 12; comparing the fingeφrint and location information with the fingeφrint information of the master fingeφrint inputted and stored in Step 1 or with the fingeφrint information which has been authorized to be used by the master fingeφrint; authenticating the legitimacy of the user; upon approval of authentication, displaying the details of the approval of authentication on the data display unit 15 while at the same time encrypting the fingeφrint information authorized with user authentication and storing in compression in the data storage unit 15 for a certain period of time, followed by proceeding to the next step; and upon denial of authentication, displaying the details of denial of authentication onto the data display unit 14 while at the same time returning to the stand-by state for transaction;
(4) connecting the electronic cared organizer 20 for financial information, having been approved for user authentication, to the card-reader terminal 30;
(5) determining as to whether there is a signal for requesting confirmation of the fingeφrint information from the corresponding main system 50 requesting transaction authentication;
(6) transmitting the fingeφrint and location information, which had been encrypted and stored in compression at the data storage unit 15 in Step 3, by way of the control unit 10 of the electronic card organizer 20 for financial information, along with the data which are necessary for approving a transaction, to the card-reader terminal 30 while at the same time deleting the fingeφrint and location information data stored in the data storage unit
15, when there is a signal for requesting confirmation of the fingeφrint information from the corresponding main system 50 requesting transaction authentication;
(7) automatically deleting the fingeφrint and location information stored at the data storage unit 15 by way of the control unit 10 of the electronic card organizer 20 for financial information, after a certain period of time, and transmitting only the necessary information for approving a transaction, as is the case for conventional transactions;
(8) carrying out authentication procedures, which includes a comparison with the fingeφrint information registered with the card company on the basis of the fingeφrint and location information data received through said card- reader terminal 30 connected to the main system 50 of the corresponding card company, which had received a request for approving a transaction; transmitting information, such as a transaction approval number and transaction details to the card-reader terminal (30), if there is a match; and transmitting the eπor code corresponding to the denial of an approval of transaction and accompanying messages to the card-reader terminal 30, if there is no match, or in the case of a denial based on other reasons; and
(9) displaying, for confirmation by a user, the information received from the main system 50 of the corresponding card company on the data display unit 14 of said electronic card organizer 20 for financial information.
Moreover, as shown by the dotted lines in Fig. 4, a settlement is possible with said card-reader terminal 30 equipped with the functions of a user authentication process of an electronic card organizer 20 for financial information. For example, the process starts with Step A-l of pre-registering the user fingeφrint as a master fingeφrint, which is akin to Step 1, and after undergoing Step A-2 of user authentication by means of the method of Step 3, Steps 4-8 follow. Thereafter, the transaction results received from Step 9 are stored in the data storage unit (illustration omitted) of said card-reader terminal 30, and while displaying the results on the display device (illustration omitted), with the steps of said process as such, the results are transmitted to said electronic card organizer 20 for financial information.
As above, in the method of settlement for an electronic card organizer for financial information, using fingeφrint information, according to the present invention, by being equipped with the function of user authentication within the electronic card organizer 20 for financial information, it is unnecessary to additionally install a fingeφrint input unit or equip with the function of fingeφrint recognition onto the card-reader terminal 30 for user authentication at the time of electronic commerce or financial settlement. Further, it can carry out user authentication, prior to the settlement, and once again carry out user authentication at the time of request for fingeφrint information from the main system 40 which had received the request for approving a transaction. Due to the fact the function of user authentication of said electronic card organizer 20 for financial information can be installed onto the card-reader terminal 30, the transaction occurs after the user authentication of the electronic card organizer 20 for financial information and of the card-reader terminal 30. As such, approving of a transaction is possible on the part of the main system 40 of the corresponding dealing company without a separate approval procedure. Moreover, the data can be stored and at the same time displayed on the electronic card organizer 40 for financial information and on the card-reader terminal 30, without outputting a separate receipt, e.g., a conventional transaction account receipt. Consequently, a separate receipt such as a transaction account receipt is not needed, nor its output device. The present invention is not limited by the aforementioned embodiments and can be worked in a variety of forms without exceeding the scope of its technical subject matter therein.
For example, the information for a bank account, instead of a credit card, can be selected in Step 2. After undergoing user authentication (Step 3), and connecting to the main system of the corresponding account through ATM, etc. (Step 4), through Steps 5-9, the transaction can be made by manipulating an ATM, much like the conventional method of transaction.
Moreover, at the time of electronic commerce, the data necessary for approving a transaction can be transmitted by connecting to a desktop computer, a notebook computer, a portable mobile telephone, etc.
A conventional bank credit card can also be used as a transportation card for subway, bus, etc. As such, a bank credit card capable of being used as a transportation card can be selected in Step 2. After undergoing user authentication (Step 3), it can also be used as method of settlement. Moreover, with the present invention, a transaction is possible by means of the conventional method of transaction by using a magnetic data storage unit 19 having the same functions as the conventional magnetic storage medium.
According to the present invention as constructed above, by equipping the electronic card organizer 20 for financial information with the functions of user authentication, it is unnecessary to additionally install a fingeφrint input unit or equip it with the functions of fingeφrint recognition onto the card-reader terminal 30 for user authentication at the time of electronic commerce or financial settlement. Further, it can once again carry out user authentication at the time of request for fingeφrint information from the main system 40 which had received the request for approving a transaction. As such, improper use can be almost completely prevented. Due to the fact that the function of user authentication of said electronic card organizer 20 for financial information can be installed onto the card-reader terminal 30, the transaction occurs after the user authentication of the electronic card organizer 20 for financial information and of the card-reader terminal 30. As such, approving a transaction is possible on the part of the main system 40 of the corresponding dealing company without a separate approval procedure. Moreover, the data can be stored and at the same time displayed on the electronic card organizer 40 for financial information and on the card-reader terminal 30, without outputting a separate receipt, e.g., a conventional transactional account receipt. Consequently, a separate receipt such as a transaction account receipt is not needed, nor its output device, which in turn would lead to cost reduction. Also, the stored transaction details can be viewed at any time. Moreover, by storing in compression only the features of the fingeφrint, it can prevent occuπences of denials of settlement due to a system failure during the period of a sudden jump in traffic for requests for approving transactions on account of a vast amount of data for fingeφrint information.
Moreover, the present invention comprises a magnetic data storage unit, an input/output terminal, a RF communication unit, and wire/wireless linkers. Accordingly, it is easy to connect with any type of card-reader terminals. Even during the time of overloading for approving transactions, with respect to the method of settlement involving the current transactional method and the use of fingeφrint information, the present invention is not restricted to the limitations imposed by such transactions.

Claims

WHAT IS CLAIMED IS:
1. A method of settlement for an electronic card organizer for financial information, using fingeφrint information, in relation to said organizer having a data input unit 11, a fingeφrint input unit 12, an IC chip storing user fingeφrints or a data storage unit 15, a user authentication processing unit 16, a control unit 10, an input/out terminal 17, a RF communication unit 18, a magnetic data storage unit 19, wire/wireless linkers, a data display unit 14, and a power unit 13; and a card- reader terminal having a data storage unit, a data display unit, and a connection terminal which can be connected respectively to an input/output terminal 17, a RF communication unit 18, or wire/wireless linkers of said electronic card organizer 20, wherein said method of settlement comprises reading the fingeφrint information inputted from said fingeφrint input unit 12 of said electronic card organizer 20 for financial information, and comparing the same with the pre-inputted fingeφrint for determining user authentication; if there is a match, extracting the features of the fingeφrint, followed by encryption, and storing the same in compression in said data storage unit for a certain period of time; returning to the stand-by status if there is no match; after processing user authentication, connecting to said card-reader terminal 30; transmitting the fingeφrint information stored in compression at the data storage unit 15 of said electronic card organizer 20 for financial information through said main system 40, followed by deletion thereafter, if the signal for requesting fingeφrint information for user authentication is transmitted from the corresponding main system 40 requesting an approval for transaction; transmitting only the information necessary for approving a transaction to said main system 40 through said card-reader terminal 30, if the signal requesting fingeφrint information for user authentication from said main system 40 is not transmitted; comparing with the fingeφrint information of the account requesting an approval for the coπesponding transaction by way of said main system 40, if the fingeφrint information is requested; proceeding with the conventional process of approving a transaction without the process of confirmation of fingeφrint information, if the fingeφrint information is not requested; transmitting the transaction approval number and the transaction details to said card-reader terminal 30, if there is an approval for transaction; and transmitting the eπor message pertaining to the denial of approval of transaction along with the error code to said card-reader terminal 30, if there is a denial of approval of transaction.
2. The method of settlement for an electronic card organizer for financial information, using fingeφrint information, according to Claim 1, wherein said card-reader terminal 30 is equipped with the same functions of user authentication of said electronic card organizer 20 for financial information, for carrying out user authentication, prior to its connection to said electronic card organizer 20 for financial information.
3. The method of settlement for an electronic card organizer for financial information, using fingeφrint information, according to Claim 1 or 2, which comprises storing said information resulting from the approval of transaction at the data storage unit of said card-reader terminal 30 while simultaneously displaying the same on the data displaying unit, if the information resulting from the approval of transaction is transmitted from the main system 40 to said card- reader terminal 30 after carrying out user authentication at said card-reader terminal 30; and allowing referencing of the information of transactional details stored therein and outputting the same through a printing device.
4. The method of settlement for an electronic card organizer for financial information, using fingeφrint information, according to Claim 1, wherein said card-reader terminal 30 receives data for authorization of approval of transaction or the denial of approval of transaction from said main system 40 requesting an approval for transaction, and thereafter transmitting the data to said electronic card organizer 20 for financial information for allowing confirmation from the data displaying unit 14 of said electronic card organizer 20 for financial information.
5. The method of settlement for an electronic card organizer for financial information, using fingeφnnt information, according to Claim 1, which compnses connecting the electronic card organizer 20 for financial information to said card-reader terminal 30 by way of one of wire/wireless linkers, an input/output terminal 17, or a RF communication unit 18.
6 The method of settlement for an electronic card organizer for financial information, using fingeφnnt information, according to Claim 1, wherein said electronic card organizer 20 for financial information is equipped with a magnetic data storage unit which is equivalent to a conventional magnetic data storage medium for connecting to the conventional magnetic card-reader for allowing settlement by means of a conventional method.
7 The method of settlement for an electronic card organizer for financial information, using fingeφnnt information, according to Claim 1, wherein said card-reader terminal 30 is a wire/wireless terminal, requmng authentication.
8 The method of settlement for an electronic card organizer for financial information, according to Claim 7, which compnses allowing electronic commerce by way of said wire/wireless terminal
9 The method of settlement for an electronic card organizer for financial information, according to Claim 7 or 8, wherein said wire/wireless terminal is a desktop computer, a notebook computer, or a portable mobile telephone.
10 The method of settlement for an electronic card organizer for financial information, using fingeφnnt information, according to Claim 1, wherein said electronic card organizer 20 for financial information allows settlement by way of connection to the transportation card terminal after selecting a credit card allowing settlement as a transportation card and then undergoing user authentication at said user authentication processing unit 16.
11. The method of settlement for an electronic card organizer for financial information, using fingeφrint information, according to Claim 1, which comprises allowing settlement by means of selecting information of bank accounts on said electronic card organizer 20 for financial information and then undergoing user authentication from said user authentication processing unit 16, followed by connection to an ATM terminal on bank network.
12. The method of settlement for an electronic card organizer for financial information, using fingeφrint information, according to Claim 1, wherein the process of storing in compression the fingeφrint information onto said data storage unit 15 for a certain period of time comprises the steps of:
(1) inputting a fingeφrint from said fingeφrint input unit 12;
(2) extracting the features of said fingeφrint, including a ridge bifurcation, ridge direction, and ridge ends;
(3) comparing and analyzing by using the features of said fingeφrint;
(4) encoding the data compared and analyzed in Step 3;
(5) storing said encoded data to said data storage unit 15; and
(6) storing in compression by way of encryption during outside transmission.
PCT/KR2001/000341 2000-03-06 2001-03-06 A method of settlement of an electronic card organizer for financial information using a fingerprinter information WO2001067383A1 (en)

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CN106295286A (en) * 2015-06-04 2017-01-04 联想移动通信软件（武汉）有限公司 A kind of encrypting fingerprint processing method, device and terminal

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