CN101770668B - Mobile phone capable of conducting transactions with an electronic transaction device - Google Patents
Mobile phone capable of conducting transactions with an electronic transaction device Download PDFInfo
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- CN101770668B CN101770668B CN2008101847664A CN200810184766A CN101770668B CN 101770668 B CN101770668 B CN 101770668B CN 2008101847664 A CN2008101847664 A CN 2008101847664A CN 200810184766 A CN200810184766 A CN 200810184766A CN 101770668 B CN101770668 B CN 101770668B
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Abstract
A mobile phone capable of transacting with an electronic transaction device has a transaction setting mode and a transaction proceeding mode. When the mobile phone enters the transaction setting mode, the user can establish corresponding verification data and a biological characteristic in the mobile phone. When the mobile phone enters the transaction mode, the user can input the biological feature to prompt the mobile phone to transmit the verification data corresponding to the biological feature to the electronic transaction device. After the verification data is verified to be correct, the electronic transaction device provides a transaction service to the user, such as a withdrawal or transfer service.
Description
Technical field
The present invention relates to the technology of mobile phone, relate in particular to a kind of mobile phone that can integrate finger print identification function and Automatic Teller Machine (ATM) function.
Background technology
Traditional electronic trading system for example provides and withdraws deposit and the ATM device of transfer service, can require a user directly to import the data of representing its identity, and one group of password for example is so that authentication.Yet in the process of this password of input, this password might be prone to seen and record by other people, or copied illegally with illegal electronic installation.Moreover this password might be stolen and usurp by other people.In addition, the user need carry fiscard, and remembers this password, and the situation of password input error also often takes place.Thereby can know that this user of requirement imports the mode of authentication data, its security and convenience are all very low.
No. 565786 patent cases of TaiWan, China invention disclose has a portable electronic authorization means and a request unit in the electronic trading system.This request unit can be an ATM device, and can use the infrared transmission mode to transmit a transaction request and give this portable electronic authorization means.This transaction request is relevant with a suggestion transaction.One user can be in inspection of the screen on the screen on this request unit, this portable electronic authorization means and the relevant data of this suggestion transaction.Switch on this user this portable electronic authorization means also capable of using shows it and checks and approves or do not check and approve this transaction request.When this portable electronic authorization means can be checked and approved this transaction request in showing of this user, transmit a nuclear that comprises this user's identifying data and win the confidence breath to this request unit.This nuclear is won the confidence breath through encrypting.
In these No. 565786 patent cases and since transaction to check and approve be to occur in fully in this portable electronic authorization means, therefore, can avoid that (ATM device) needs identifying data in the request unit.Another benefit is; User's identifying data that checking exchange uses maybe be more complicated and more detailed; So that guarantee maximum security; For example user's identifying data maybe be more complicated than simple password, and can comprise each that makes title, birthday, social welfare number or other unique biologicall test data or unique identification data (such as fingerprint, dna encoding sequence, vocal print or the like).
These No. 565786 patent cases are also mentioned and are used this portable electronic authorization means from amount of money of ATM device drawing; And mention this portable electronic authorization means can in build in the middle of the mobile phone, and on this portable electronic authorization means a user certifying organization is arranged.This user certifying organization is used to the password that requires the user to input, fingerprint or vocal print is provided, and after receiving, just starts this portable electronic authorization means.
In these No. 565786 patent cases; Though this portable electronic authorization means can transmit such as user's identifying data of biological characteristics such as fingerprint and give this request unit; But this will cause extra the building of the relative needs of this request unit to put the identification system that can do this biological characteristic of knowledge, and this will increase cost.In addition, this request unit also need ask its client to set up the usefulness that its biological characteristic supplies identification in the future in advance, but this relates to individual privacy, and the biological characteristic of being logined also has the risk that leaks.Therefore, this practice is difficult to the popularization of commercialization ground.
TaiWan, China invention I225620 patent case discloses a kind of application apparatus that can drive shortcut function by identification of fingerprint.This application apparatus connects a computer apparatus, and has a fingerprint-function key correspondence table and a control die set that fingerprint input module, an identification of fingerprint module, are set up in advance.This fingerprint imports module and the identification of fingerprint module can receive and identification one user's fingerprint.This control die set can find the pairing function key of this user's fingerprint according to the identification result and this fingerprint-function key correspondence table of this identification of fingerprint module, and orders about this computer apparatus and produce shortcut function that should function key.Yet this application apparatus does not provide the function or the instruction of electronic transaction aspect.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of mobile phone that can conclude the business with an electronic transaction device, can be convenient and safe electronic transaction service is provided.
The present invention provides a kind of mobile phone; This mobile phone has a transaction setting mode and pattern is carried out in a transaction; And comprise: a biological characteristic input block receives the biological characteristic that a user is imported, and produces a corresponding characteristic data according to this biological characteristic computing; One storage element; One setup unit; Comprise a transaction data configuration interface; Under this transaction setting mode; Require this user to import a verifying data and to a biological characteristic that should verifying data, and receiving this verifying data and after should the characteristic data of biological characteristic, with both can corresponding mode being stored in this storage element; One communication unit comprises a transaction communications module, carries out under the pattern in this transaction, constitutes radio communication with an electronic transaction device and is connected; One comparison module is carried out under the pattern in this transaction, receives a characteristic data from this biological characteristic input block, and from this storage element, hunts out verifying data that should the characteristic data; One trade confirmation module behind the verifying data of receiving from this comparison module, transmits the information that includes this verifying data via this transaction communications module and gives this electronic transaction device; One transaction module group; After an approval response of receiving from this electronic transaction device; Require this user's input and the relevant data of a transaction; And transmit the data relevant via this transaction communications module and give this electronic transaction device, and receive the data relevant with this transaction from this electronic transaction device with this transaction; And a display unit, being used for display data, this data comprises the picture of the data relevant with this transaction.
Preferably, this electronic transaction device is an ATM device.This biological characteristic is a fingerprint.This verifying data comprises a trading password of a corresponding fiscard, or further comprises a account No. that should fiscard.
With respect to prior art, electronic transaction device in the present invention still is responsible for the checking work of transaction approval, and still is responsible for carrying out the transaction program that launches subsequently.More specifically, the transaction setting mode that mobile phone of the present invention provided can let the user set the corresponding one to one many group verifying datas of many group biological characteristics.Therefore; Technique effect of the present invention is: through this mobile phone; The user can carry out different electronic transaction verifications by the different biological characteristic of use itself; To accomplish an electronic transaction, need verifying data such as input password or account number on the electronic transaction device of this electronic transaction be provided fully.
Use another technique effect of mobile phone of the present invention to be: the user only needs its a certain this mobile phone of biological characteristic input; Just can order about this mobile phone and corresponding verifying data sent to an electronic transaction device can be provided, one electronic transaction service is provided to impel this electronic transaction device.Therefore, the user need not remember any password or account number fully, need not import any verifying data to this electronic transaction device yet.
Another technique effect of the present invention is that the user sets up biological characteristic on the mobile phone of oneself, so can delete or change at any time.
Moreover; Be responsible for providing the electronic transaction device of transactional services in the present invention; Still use traditional password authentification mode to confirm whether transaction launches, and does not set up identification system so need not set up biological characteristic, also need not ask the client when setting up the account, to stay biological characteristic certainly.This electronic transaction device biological characteristic that is not the client from the actual verifying data of receiving of this mobile phone in addition.This can guarantee that the client does not have the situation generation that biological characteristic leaks.
Therefore, the invention provides convenience and the security of carrying out in the electronic transaction.
Description of drawings
Fig. 1 is the calcspar of system of the present invention one preferred example;
Fig. 2 build the MSDS in the mobile phone of the present invention in being.
Embodiment
In order to let the above-mentioned feature and advantage of the present invention can be more obviously understandable, hereinafter is special lifts preferred embodiment, and cooperates appended graphicly, elaborates as follows.
Fig. 1 shows the electronic trading system that is made up of an electronic transaction device 1 of the present invention and a mobile phone 2.This electronic transaction device 1 is preferably one to have and withdraws deposit and the ATM device of account transfer function, also can be the vending machine that standby credit card/fiscard is concluded the business, for example automatic machine.This mobile phone 2 can be with the PDA with mobile communication function or other portable communication equipment.
This electronic transaction device 1 comprises a service end transaction unit 10, a service end communication unit 11 and an authentication unit 12.This service end transaction unit 10 can provide a transactional services; For example debit transactions service and transfer transactions service, the content of these services comprise requirement input Withdrawal Amount or transfer amount, withdraw deposit or transfer accounts according to input results and handle and according to the result receipt or the like of prining.This service end communication unit 11 constitutes radio communication with this mobile phone 2 and is connected, in order to receive the verifying data from this mobile phone 2.This authentication unit 12 receives this verifying data via this service end communication unit 11, and after this verifying data of checking is errorless, notifies this service end transaction unit 10 that a transactional services is provided.In addition; This authentication unit 12 can also receive and verify via the keyboard of this electronic transaction device 1 or touch control screen (not shown) and the directly verifying data of input of a user, also can read and verify the information that is issued to this user's fiscard and credit card by operator under this electronic transaction device 1.
This mobile phone 2 has many functional modes that present tree structure and supplies person's usefulness, and for example telephone directory pattern, electronic game pattern, bluetooth are set pattern, notepad is set pattern, network settings pattern, conversation setting pattern, the pattern of taking pictures, photograph mode or the like.These patterns be to produce haply by the interior application program control that is built in this mobile phone 2.More specifically, this mobile phone 2 also further is configured to have a transaction setting mode and pattern is carried out in a transaction.When this mobile phone 2 got into this transaction setting mode via user operation, this user can build on a corresponding verifying data and a biological characteristic in this mobile phone 2.When this mobile phone 2 triggers and gets into this transaction when carrying out pattern via this user operation or by extraneous signal, this user can import this biological characteristic, will send this electronic transaction device 1 to verifying data that should biological characteristic to impel this mobile phone 2.The production method of these two kinds of patterns is preferably it is incorporated into and is used to provide in the aforesaid application program.
This mobile phone 2 comprises a biological characteristic input block 20, a storage element 21, a setup unit 22, a communication unit 23, a comparison module 24, a trade confirmation module 25, a transaction module group 26, an and display unit 27.Wherein:
This biological characteristic input block 20 can receive the biological characteristic that a user is imported, and produces a corresponding characteristic data according to this biological characteristic computing.This can select existing identification of fingerprint external member for use.
This storage element 21 is to be used to store some user's data and set datas, for example the content of the content of telephone directory, conversation setting.Above-mentioned application program also is stored in this.More specifically this storage element 21 also is configured to store one or many verifying datas and one or many characteristic data, the corresponding one to one characteristic data of arbitrary verifying data.Arbitrary characteristic data is all one to one to a biological characteristic that should the user, for example thumbprint, forefinger fingerprint, middle finger fingerprint or the like.Preferably, arbitrary verifying data comprises the trading password of a corresponding fiscard of being issued by a bank, or a trading password of a corresponding fiscard and the combination of account No..Preferably, can in this storage element 21, set up a MSDS and store those data, as shown in Figure 2.Also can use .XML file or other can present the e-file of form, for example pure words file, Microsoft Word file or Microsoft Excel file replace this MSDS.
Please consult Fig. 1 again; This setup unit 22; Comprise the keyboard or the Touch Screen that are used for input data, and some are used to assist the human-machine operation interface of user's input data, for example assist to set up a linkage record in the interface of telephone directory or the interface of set conversation function.These human-machine operation interfaces are to be controlled by above-mentioned application to produce.More specifically this setup unit 22 also comprises a transaction data configuration interface 220.This transaction data configuration interface 220 can be under this transaction setting mode; Require this user to import a verifying data and to a biological characteristic that should verifying data; And receiving this verifying data and to after should the characteristic data of biological characteristic; With both can corresponding mode being stored in this storage element 21, for example with a little data storage in above-mentioned MSDS.Wherein, the production method of this transaction data configuration interface 220 is preferably and is integrated in above-mentioned application.
This communication unit 23 is to be used to provide the mobile communication service, comprises conversation and short message service.More specifically, this communication unit 23 also comprises a transaction communications module 230.This transaction communications module 230 can carry out under the pattern in this transaction, constitutes radio communication with this electronic transaction device 1 and is connected.Preferably, the communication between this transaction communications module 230 and this electronic transaction device 1 optionally adopts Bluetooth communication, mobile phone communications, twireless radio-frequency communication, infrared communication or the like mode.
This comparison module 24 can be carried out under the pattern in this transaction, receives a characteristic data from this biological characteristic input block 20, and from the MSDS of this storage element 21, hunts out verifying data that should the characteristic data.This comparison module 24 is preferably and is integrated in the above-mentioned identification of fingerprint external member.
This trade confirmation module 25 can transmit the information that includes this verifying data via this transaction communications module 230 and give this electronic transaction device 1 after the verifying data of receiving from this comparison module 24.
This transaction module group 26 can be after an approval response of receiving from this electronic transaction device 1; Require this user's input and the relevant data of a transaction; And transmit the data relevant via this transaction communications module 230 and give this electronic transaction device 1, and receive the data relevant with this transaction from this electronic transaction device 1 with this transaction.
This trade confirmation module 25 can both use software approach to be achieved with this transaction module group 26, and this software approach is preferably and is integrated in above-mentioned application.
This display unit 27 is used for display data, and this data comprises the relevant data picture of data picture, the various set-up function relevant with the mobile communication service, data picture relevant with this transaction or the like.
Below explanation one user sees through this mobile phone 2 and an Automatic Teller Machine, i.e. this electronic transaction device 1 carries out the process of a debit transactions.The transfer transactions process is similarly held and is not given unnecessary details.
At first, this user is set in this transaction with this mobile phone 2 and carries out under the pattern, is connected so that the transaction communications module 230 of this mobile phone 2 constitutes radio communication with the service end communication unit 11 of this electronic transaction device 1.At this moment, can display communication connect the picture of accomplishing on the screen of the display unit 27 of this mobile phone 2.This electronic transaction device 1 can require this user to insert a fiscard then, and at this moment, the screen of this mobile phone 2 meeting display requirement inserts the picture of this fiscard.
Then, this user inserts this electronic transaction device 1 with this fiscard, makes this electronic transaction device 1 continue to require this user's input to a trading password that should fiscard.At this moment, can follow the picture of this trading password of display requirement input on the screen of this mobile phone 2.
This user utilizes biological characteristic input block 20 input on this mobile phone 2 to biological characteristic that should fiscard.This user's forefinger fingerprint for example.At this moment, this biological characteristic input block 20 can convert this biological characteristic to a corresponding characteristic data, and gives this comparison module 24 with this characteristic data transmission.With reference to MSDS shown in Figure 2, the characteristic data of wherein corresponding forefinger fingerprint is the dual code of corresponding * * * 709147.
This comparison module 24 can be inquired about this MSDS according to the characteristic data of receiving from this biological characteristic input block 20, finds out a trading password that should the characteristic data, i.e. and k5h79**, and send this trading password to this trade confirmation module 25.
This trade confirmation module 25 is received after the trading password from this comparison module 24, transmits the information that includes this trading password via this transaction communications module 230 and gives this electronic transaction device 1.
The authentication unit 12 of this electronic transaction device 1 is received after this information via this service end communication unit 11; Can verify processing to trading password wherein; And after checking is errorless, transmits an approval response via this service end communication unit 11 and give this mobile phone 2.This approval response representes that this electronic transaction device 1 agreed that this user can be via this mobile phone 2, requires to provide a debit transactions service to the service end transaction unit 10 of this electronic transaction device 1.
This transaction module group 26 is received after this approval response, promptly can require this user's input data relevant with this debit transactions, for example Withdrawal Amount, the picture of meeting display requirement input Withdrawal Amount on the screen of this mobile phone 2 at this moment.This transaction module group 26 receives after this Withdrawal Amount, will transmit and gives this electronic transaction device 1 to data that should Withdrawal Amount via this transaction communications module 230.
The service end transaction unit 10 of this electronic transaction device 1 is received after this data via this service end communication unit 11, promptly launches a series of drawing and handles, and comprises the bank note and the withdrawal receipt or the like of prining that output is corresponding.After these processing of completion; This electronic transaction device 1 can transmit the data relevant with this transaction via this service end communication unit 11 and give this mobile phone 2; The data such as notice, remaining sum demonstration of for example having concluded the business; The transaction module group 26 of this mobile phone 2 can receive these data via this transaction communications module 230, and it is presented on the screen of this mobile phone 2.
Can know that from above-mentioned explanation this user only need just can accomplish a transaction with this electronic transaction device 1 through these mobile phone 2 its a certain biological characteristics of input.This user need not memory cipher, also need not to carry out Password Operations.Comprise at above-mentioned verifying data under the situation of a trading password and an account No. that this user is not even with the action of inserting fiscard.Therefore, the present invention obviously can increase convenience and the security in the electronic transaction.
Moreover this user sets up biological characteristic on the mobile phone of oneself, so can delete or change at any time.
This electronic transaction device 1 still uses traditional password authentification mode again, so need not set up the biological characteristic identification system, also need not ask the client when setting up the account, to stay biological characteristic certainly.
In addition, this electronic transaction device 1 biological characteristic that is not the user from these mobile phone 2 actual verifying datas of receiving.This can guarantee that the user does not have the situation generation that biological characteristic leaks.
Claims (2)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008101847664A CN101770668B (en) | 2008-12-31 | 2008-12-31 | Mobile phone capable of conducting transactions with an electronic transaction device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008101847664A CN101770668B (en) | 2008-12-31 | 2008-12-31 | Mobile phone capable of conducting transactions with an electronic transaction device |
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| Publication Number | Publication Date |
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| CN101770668A CN101770668A (en) | 2010-07-07 |
| CN101770668B true CN101770668B (en) | 2012-05-30 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2008101847664A Expired - Fee Related CN101770668B (en) | 2008-12-31 | 2008-12-31 | Mobile phone capable of conducting transactions with an electronic transaction device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI633800B (en) * | 2016-07-26 | 2018-08-21 | 大宏數創意股份有限公司 | Methods for device pairing and data transmission in handheld communication devices |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20140026844A (en) | 2012-08-23 | 2014-03-06 | 삼성전자주식회사 | Method and system for authenticating transaction request from device |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1403942A (en) * | 2001-09-03 | 2003-03-19 | 王柏东 | Web-based biometric authentication device |
| TW565786B (en) * | 1996-12-04 | 2003-12-11 | Esign Inc | Electronic transaction systems and methods therefor |
| CN1615465A (en) * | 2001-12-20 | 2005-05-11 | 劳伦斯·A·史蒂文斯 | System and method for storing user information and for authenticating user identity |
| CN1623173A (en) * | 2002-01-25 | 2005-06-01 | 艾斯格尼克斯公司 | Payment system |
-
2008
- 2008-12-31 CN CN2008101847664A patent/CN101770668B/en not_active Expired - Fee Related
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TW565786B (en) * | 1996-12-04 | 2003-12-11 | Esign Inc | Electronic transaction systems and methods therefor |
| CN1403942A (en) * | 2001-09-03 | 2003-03-19 | 王柏东 | Web-based biometric authentication device |
| CN1615465A (en) * | 2001-12-20 | 2005-05-11 | 劳伦斯·A·史蒂文斯 | System and method for storing user information and for authenticating user identity |
| CN1623173A (en) * | 2002-01-25 | 2005-06-01 | 艾斯格尼克斯公司 | Payment system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI633800B (en) * | 2016-07-26 | 2018-08-21 | 大宏數創意股份有限公司 | Methods for device pairing and data transmission in handheld communication devices |
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| Publication number | Publication date |
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| CN101770668A (en) | 2010-07-07 |
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