WO2020146971A1 - 电子交易卡 - Google Patents
电子交易卡 Download PDFInfo
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- WO2020146971A1 WO2020146971A1 PCT/CN2019/071569 CN2019071569W WO2020146971A1 WO 2020146971 A1 WO2020146971 A1 WO 2020146971A1 CN 2019071569 W CN2019071569 W CN 2019071569W WO 2020146971 A1 WO2020146971 A1 WO 2020146971A1
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- 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
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- 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
- G06Q30/00—Commerce
Definitions
- a transaction card especially an electronic transaction card that can be wirelessly connected with mobile devices such as mobile phones to complete transactions.
- FIG. 4 is a schematic diagram of the application of the existing card reader 50.
- the card reader 50 will be equipped with a mobile device 60 and a transaction card 70 when in use.
- the card reader 50 has a card slot 53 for inserting the transaction card 70, and one end has a first connection port 55 for connecting the mobile device 60.
- the transaction card 70 is a general financial card or a credit card.
- the consumer When the consumer agrees to the transaction, he must use the security device on the mobile device 60 to identify the identity and reply to confirm the transaction information, and the transaction card 70 is deducted to complete the transaction.
- the present invention provides an electronic transaction card. Through the wireless connection of the electronic transaction card and the mobile device, the financial account in the electronic transaction card can be deducted to complete the transaction.
- the electronic transaction card provided by the present invention is wirelessly connected to a mobile device, and the electronic transaction card includes:
- a secure element storing a list of accounts, which is composed of multiple account data
- a verification unit which is electrically connected to the secure element, and can be connected and transmitted wirelessly;
- a display unit electrically connected to the security element and the verification unit, to display the account data in the account list
- a biometric identification module electrically connected to the security element and the verification unit, and stores biometric data of a user's biometrics
- a power management module electrically connected to the verification unit and the biometric identification module
- An operation key is electrically connected to the power management module, the verification unit and the secure element.
- the power management module powers on the secure element or selects one of the account data in the account list.
- the present invention integrates the financial account and the wireless transmission function into the electronic transaction card.
- the user agrees to pay
- the user’s identity is recognized through the biometric identification mechanism on the electronic transaction card.
- the wireless transmission function is used to connect to the mobile device. Confirm the transaction content online and complete the transaction.
- the present invention can also directly deduct the electronic transaction card transaction through the mobile device. After the user selects specific transaction account data, if the user agrees to pay, the mobile device returns a confirmation message to the electronic transaction Card, the electronic transaction card is deducted after the mobile device is connected to the Internet, and the transaction details are displayed on the display unit.
- the present invention can also write electronic coupons or electronic financial account data into electronic transaction cards through mobile devices.
- users go to a physical store to consume, they can directly use electronic coupons or choose to use different electronic financial accounts for consumption.
- the invention can directly wirelessly connect the electronic transaction card and the mobile device, so that the user only needs to carry the electronic transaction card when going out without using traditional smart token and other adapters, so that the transaction process is smoother while still maintaining Biometric functions such as fingerprints or iris to ensure transaction security.
- FIG. 1 The circuit block diagram of the present invention.
- Figure 2 Schematic diagram of the appearance of the electronic transaction card of the present invention.
- Figure 3 A flow chart of the steps used in the present invention.
- Figure 4 Schematic diagram of existing electronic money cards with mobile devices.
- the electronic transaction card provided by the present invention includes: an electronic transaction card 10, wherein the electronic transaction card 10 can be wirelessly connected to an external mobile device 30 via Bluetooth.
- the electronic transaction card 10 is held by the user and includes a secure element 11, a verification unit 12, a display unit 13, a biometric identification module 14, a power management module 15 and an operation key 16.
- the secure element 11 has a data processing function and stores an account list.
- the account list is composed of multiple account data.
- Each account data can be electronic coupon data, financial card data, credit card data, leisure card data, all-in-one card data, or It is another mobile payment account, and each account data stores the information corresponding to the account data.
- the credit card data includes an account name, an account number, an account start and end date, and an account identification code.
- the card data includes the account name, the account number, and an account balance
- the leisure card data stores the account balance
- the e-ticket data includes the expiration date, venue, seat number or other usage content.
- the secure element 11 is a chip.
- the secure element 11 can also store other user data, such as integrating the functions of an ID card and a health insurance card into the secure element 11, allowing the user to present the electronic transaction card when the user needs to identify his identity, such as seeing a doctor or signing a document 10. Complete identification.
- the electronic transaction card 10 can also be inserted into a card reader, and the secure element 11 can be read by the card reader, allowing users to access, read and write the electronic transaction card 10 through the card reader through a user terminal such as a computer The account list and the content of each account data.
- the verification unit 12 is electrically connected to the secure element 11 and the display unit 13, and has a wireless transmission function, wherein the verification unit 12 stores a pairing code; in a preferred embodiment, the verification unit 12 is a Bluetooth transmitter; In another preferred embodiment, the verification unit 12 is a Near Field Communication (NFC) transmitter.
- NFC Near Field Communication
- the display unit 13 is electrically connected to the verification unit 12 and the secure element 11, and can display each account data in the account list.
- the display unit 13 is an electrophoretic display (Electrophoretic Display). Display Device, EPD).
- the biometric module 14 is electrically connected to the security element 11 and the verification unit 12, and includes a biometric sensor 141 and a biometric processor 143.
- the biometric sensor 141 senses the user’s biometrics and generates a biometric data; the biometric processor 143 can pre-store a biometric data of the user, the biometric processor 143 receives the biometric data and Compare with the biometric data. If the biometric data is the same as the biometric data, the user’s identity can be confirmed, and the biometric module 14 sends a signal to the secure element 11 and the verification unit 12; in this embodiment, the biometric module 14 is one Fingerprint recognizer or an iris recognizer.
- the power management module 15 is electrically connected to the verification unit 12 and the biometric recognition module 14 to supply power to the verification unit 12 and the biometric recognition module 14 to operate the present invention; wherein the power management module 15 may further include a power management circuit 151 And a battery 153, the power management circuit 151 is electrically connected to the battery 153, and the power management circuit 151 is used to automatically cut off the power supply of the battery 153 when the present invention is not used for a long time.
- the operation key 16 is electrically connected to the power management module 15, the verification unit 12 and the secure element 11, and has the functions of activating the electronic transaction card 10 and selecting account data.
- the power management module 15 energizes the biometric module 14 to activate the electronic transaction card 10; after the electronic transaction card 10 is activated, the biometric module 14 recognizes the identity, press
- the operation key 16 can select one of the account data in the account list.
- the electronic transaction card 10 may further include an indicator light 17 which is electrically connected to the biometric identification module 14 and the verification unit 12. When the electronic transaction card 10 is activated, the indicator light 17 flashes quickly to remind use The person provides biometric characteristics such as iris or fingerprint to the biometric sensor 141.
- the mobile device 30 is also held by the user and can be connected to the electronic transaction card 10 in a wireless manner.
- the mobile device 30 can be wirelessly connected to the electronic transaction card 10 in a Bluetooth connection.
- the mobile device 30 may be a mobile phone, a tablet, or a PDA (PDA) owned by the user.
- S10 Pair the electronic transaction card 10 and the mobile device 30; when the operation key 16 is pressed, the power management module 15 powers on the biometric module 14 and drives the verification unit 12 to start the connection function after the identity recognition is completed , The verification unit 12 enables the pairing code to be searched, and the mobile device 30 opens the connection search function; when the mobile device 30 finds the pairing code, the pairing of the electronic transaction card 10 and the mobile device 30 is completed .
- S20 Select a transaction account; when the operation key 16 is pressed, the secure element 11 selects one of the account data to be displayed on the display unit 13. For example, when the operation key 16 is pressed for the first time, the display unit 13 displays a card account number And the balance of the card account; when the operation key 16 is pressed again, the credit card account number and the balance of the credit card account are displayed.
- S30 Transmit transaction information; in this step, the user can choose to use a card reader for transactions or use the mobile device 30 to perform transactions according to the transaction mechanism owned by the transaction merchant. If you choose to use a card reader for transactions, you can insert the card reader within 30 seconds after the electronic transaction card completes the identification to complete the transaction payment process.
- the mobile device 30 After selecting specific transaction account data, if the user agrees to pay, the mobile device 30 sends back a confirmation message to the electronic transaction card 10, and the electronic transaction card 10 is debited after the mobile device 30 is connected to the Internet. And the transaction details are displayed on the display unit 13.
- the electronic transaction card 10 can store various transaction accounts in a binding manner. When a specific store needs to pay with a specific transaction account, the specific transaction account can be selected on the electronic transaction card 10 to conduct transactions.
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Abstract
一种电子交易卡（10），包含：一安全元件（11），储存一帐户清单，该帐户清单由多个帐户数据组成；一验证单元（12），与该安全元件（11）电连接，且能无线连接传输；一生物辨识模块（14），与该安全元件（11）电连接；一操作键（16），与该验证单元（12）及该安全元件（11）电连接，当该操作键（16）被按下时，该安全元件（11）选择帐户清单中的其中一帐户数据；该电子交易卡（10）可与一使用者的移动设备（30）无线连接，当进行交易时，在交易过程通过交易卡上的生物辨识模块（14）辨识使用者身份，通过移动设备（30）扣款，完成金融交易。本申请的电子交易卡与移动设备直接无线连接，让使用者仅需携带电子交易卡，无须额外使用转接器，让交易过程更为顺利，同时依然保有生物辨识功能，保障交易安全。
Description
一种交易卡，尤其是指一种能与手机等移动设备无线连接，完成交易的电子交易卡。
请参见图4，为现有读卡机50的应用示意图，该读卡机50在使用时会搭配一移动设备60、一交易卡70。
该读卡机50具有一卡槽53，可供该交易卡70插入，且其中一端具有一第一连接口55，供连接该移动设备60。该交易卡70为一般金融卡或信用卡。
当消费者欲进行交易时，必须将该读卡机50同时连接该移动设备60、该交易卡70，并在该移动设备60上显示此笔交易信息以及是否同意交易的选项。
消费者同意交易时，必须使用移动设备60上的安全装置辨识身份及回复确认同意交易信息，由该交易卡70扣款，完成交易。
由上所述可发现，若要使用交易卡70执行网络交易，必须要通过外接读卡机50才能与完成交易，换言之，若在进行网络消费时如果没有外接的读卡机50，即无法购买商品，不甚便利。另外，移动设备60上的安全机制没有办法避免交易卡被盗刷的可能性。
发明内容
为增加交易的便利性及安全性，本发明提供一种电子交易卡，藉由电子交易卡及移动设备无线连接，可由电子交易卡中的金融帐户扣款完成交易。
为达成上述目的，本发明提供的电子交易卡与一移动设备无线连接，该电子交易卡包含：
一安全元件，储存一帐户清单，该帐户清单由多个帐户数据组成；
一验证单元，与该安全元件电连接，且能无线连接传输；
一显示单元，与该安全元件及该验证单元电连接，以显示该帐户清单中的各帐户数据；
一生物辨识模块，与该安全元件及该验证单元电连接，并储存一使用者生物特征的生物特征数据；
一电源管理模块，与该验证单元及该生物辨识模块电连接；
一操作键，与该电源管理模块、该验证单元及该安全元件电连接，当该操作键被按下时，该电源管理模块对该安全元件通电或选择帐户清单中的其中一帐户数据。
本发明将金融帐户及无线传输功能整合于该电子交易卡中，当使用者同意付款，经由电子交易卡上的生物辨识机制辨识使用者身份，辨识成功后再通过无线传输功能，与移动设备连线确认交易内容，完成交易。
本发明另可通过该移动设备直接对该电子交易卡交易扣款，当使用者选定特定的交易用帐户数据后，若使用者同意付款，则该移动设备回传一确认信息至该电子交易卡，该电子交易卡即通过该移动设备连网后扣款，并在该显示单元上显示交易明细。
本发明另可通过移动设备将电子票券或电子金融帐户数据写入电子交易卡，当使用者到实体店铺消费时可以直接使用电子票券或选择使用不同的电子金融帐户做消费。
本发明能以电子交易卡及该移动设备直接无线连接，让使用者出门在外仅需携带电子交易卡，无须额外使用传统的智慧代币等转接器，让交易过程更为顺利，同时依然保有指纹或虹膜等生物辨识功能，保障交易安全。
图1：本发明的电路方块图。
图2：本发明的电子交易卡外观示意图。
图3：本发明的使用步骤流程图。
图4：现有电子钱卡搭配移动设备示意图。
请参见图1，本发明所提供的电子交易卡包含：一电子交易卡10，其中该电子交易卡10可通过蓝牙与外部的一移动设备30无线连接。
该电子交易卡10由使用者持有，且包含一安全元件11、一验证单元12、一显示单元13、一生物辨识模块14、一电源管理模块15及一操作键16。
该安全元件11具数据处理功能，且储存有一帐户清单，该帐户清单由多个帐户数据所组成，各帐户数据可为电子票券数据、金融卡数据、信用卡数据、悠游卡数据、一卡通数据或是其他移动支付的帐号，且每一帐户数据分别储存对应该帐户数据的信息，举例而言，该信用卡数据包含一帐户名称、一帐户号码、一帐户开始结束日及一帐户识别 码，该金融卡数据包含该帐户名称、该帐户号码及一帐户余额，该悠游卡数据储存该帐户余额，该电子票券数据包含使用期限、场地、座位号码或其他使用内容。在本实施例中，该安全元件11为一芯片。
该安全元件11另可储存使用者其他数据，例如将身份证、健保卡的功能整合于该安全元件11中，令使用者在需要辨识身份的场合、例如看病或签署文件时出示本电子交易卡10，完成身份辨识。
该电子交易卡10另可插入读卡机中，经由读卡机读取该安全元件11，让使用者通过电脑等使用者终端藉由读卡机存取、读写该电子交易卡10内的帐户清单及各帐户数据的内容。
该验证单元12与该安全元件11及该显示单元13电连接，具备无线传输功能，其中该验证单元12储存一配对码；在一较佳实施例中，该验证单元12为一蓝牙传输器；在另一较佳实施例中，该验证单元12为一近距离无线通信(NFC)传输器。
请进一步参见图2，该显示单元13与该验证单元12及该安全元件11电连接，可显示该帐户清单中的各帐户数据；在本实施例中，该显示单元13为一电泳显示器(Electrophoretic Display Device，EPD)。
该生物辨识模块14与该安全元件11及该验证单元12电连接，且包含一生物辨识感应器141及一生物辨识处理器143。该生物辨识感应器141感测使用者的生物特征并产生一生物感应数据；该生物辨识处理器143可预先储存该使用者的一生物特征数据，该生物辨识处理器143接收该生物感应数据并与该生物特征数据进行比较。若该生物感应数据与该生物特征数据相同，则可确认使用者的身份，该生物辨识模块14传送信号至该安全元件11及验证单元12；在本实施例中，该生物辨识模块14为一指纹识别器或一虹膜识别器。
该电源管理模块15与该验证单元12及该生物辨识模块14电连接，以供电至该验证单元12及生物辨识模块14使本发明运作；其中该电源管理模块15更可包含一电源管理电路151及一电池153，该电源管理电路151与该电池153电连接，该电源管理电路151用以在长时间未使用本发明时自动切断该电池153的供电。
该操作键16与该电源管理模块15、该验证单元12及该安全元件11电连接，且具备启动该电子交易卡10以及选择帐户数据的功能。当该操作键16被按下时，该电源管理模块15对该生物辨识模块14通电以启动该电子交易卡10；在该电子交易卡10启动 后经该生物辨识模块14辨识身份后，按下该操作键16，可选择该帐户清单内其中一帐户数据。
该电子交易卡10更可包含一指示灯17，该指示灯17与该生物辨识模块14及该验证单元12电连接，当该电子交易卡10启动时，该指示灯17会快速闪烁以提醒使用者将虹膜或指纹等生物特征提供至该生物辨识感应器141。
该移动设备30同样由使用者所持有，且可以无线的方式与该电子交易卡10连接，在一较佳实施例中，该移动设备30可以蓝牙连接的方式与该电子交易卡10无线连接；在本实施例中，该移动设备30可为使用者拥有的手机、平板或掌上电脑(PDA)。
请参见图3，藉由上述元件，以下藉由步骤流程图辅助说明本发明实际应用情形。
S10：配对该电子交易卡10及该移动设备30；当该操作键16被按下时，该电源管理模块15对该生物辨识模块14通电，完成身份辨识后驱动该验证单元12启动连线功能，使该验证单元12开放该配对码被搜寻，同时该移动设备30开启连线搜寻功能；当该移动设备30搜寻到该配对码时，即完成该电子交易卡10及该移动设备30的配对。
S20：选择交易帐户；当按下该操作键16时，该安全元件11选择其中一帐户数据在该显示单元13上显示，例如首次按下该操作键16时，该显示单元13显示一卡通帐户号码及一卡通帐户的余额；再按下该操作键16时，则显示信用卡帐户号码及信用卡帐户的余额。
S30：传送交易信息；在此步骤中，使用者可依据交易商家拥有的交易机制，选择利用读卡机进行交易，或是通过该移动设备30进行交易。若选择使用读卡机交易，可于电子交易卡完成身份辨识后30秒内插入该读卡机，完成交易支付流程。
接下来说明直接利用该移动设备30交易的步骤：
选定特定的交易用帐户数据后，若使用者同意付款，则该移动设备30回传一确认信息至该电子交易卡10，该电子交易卡10即通过该移动设备30连网后扣款，并在该显示单元13上显示交易明细。
另外，本电子交易卡10可以绑定的方式储存各项交易帐户，当有特定店家需要以特定的交易帐户支付时，可在该电子交易卡10上选择特定的该交易帐户进行交易。
Claims (8)
- 一种电子交易卡，其特征在于，与一移动设备连接，该电子交易卡包含：一安全元件，储存一帐户清单，该帐户清单由多个帐户数据组成；一验证单元，与该安全元件电连接，且能无线连接传输；一显示单元，与该安全元件及该验证单元电连接，以显示该帐户清单中的各帐户数据；一生物辨识模块，与该安全元件及该验证单元电连接，并储存一使用者生物特征的生物特征数据；一电源管理模块，与该验证单元及该生物辨识模块电连接；一操作键，与该电源管理模块、该验证单元及该安全元件电连接，当该操作键被按下时，该电源管理模块对该安全元件通电或选择帐户清单中的其中一帐户数据。
- 如权利要求1所述的电子交易卡，其特征在于，该验证单元储存一配对码，以供该电子交易卡与该移动设备无线配对连接。
- 如权利要求2所述的电子交易卡，其特征在于，该操作键能选择该帐户清单中其中一帐户数据，并在该显示单元上显示该笔帐户数据。
- 如权利要求3所述的电子交易卡，其特征在于，该验证单元为一蓝牙传输器。
- 如权利要求4所述的电子交易卡，其特征在于，该生物辨识模块包含一生物辨识感应器及一生物辨识处理器，该生物辨识感应器与该生物辨识处理器电连接，其中该生物辨识感应器用以接收生物特征并转换成一生物感应数据，该生物辨识处理器储存该生物特征数据并将该生物特征数据与该生物感应数据进行比对。
- 如权利要求5所述的电子交易卡，其特征在于，该生物辨识模块为一指纹识别器。
- 如权利要求5所述的电子交易卡，其特征在于，该生物辨识模块为一虹膜识别器。
- 如权利要求6或7所述的电子交易卡，其特征在于，该电源管理模块更进一步包含：一电池，用以供电至该电子交易卡；一电源管理电路，与该电池电连接，用以在长时间未使用该电子交易卡时切断该电池的供电。
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