TWM564228U - System for executing transaction based on a mobile communication device - Google Patents

Abstract

A system for performing transactions through a mobile communication device, including: an automated teller machine, a mobile communication device, and a verification server. The trigger unit of the automatic teller machine generates a trigger signal, and the control unit generates a transaction start signal according to the trigger signal and displays and transmits the transaction start signal through the display unit and the communication unit. The mobile communication device has a scanning unit for obtaining a transaction initiation signal, an input unit for inputting the transaction content, and an operation unit for generating verification information according to the transaction content and the transaction activation signal. The mobile communication device sends the verification information to the verification server. When the verification information has a part corresponding to the transaction initiation signal, the verification server sends the renewable signal to the automatic teller machine. The transaction unit of the ATM performs trading operations based on the renewable signal.

Description

System for executing transactions through mobile communication devices

This creation is about a system of transactions, in particular a system for communicating through mobile devices and executing transactions.

ATMs (Automated Teller Machines) all over the place meet the needs of the general public for financial services such as deposits, withdrawals or transfers outside the banking hours, especially the convenience of cash flow.

However, the traditional ATMs are purely in the form of cards and digital passwords as the basis for transaction authentication, and there are many inconveniences. For example, a financial card is easy to lose due to its small size and is difficult to retrieve. Once lost, the user can only go to the bank counter to complete the lengthy re-issuance procedure and then use the ATM again through the newly acquired financial card. There are still some users who are accustomed to recording the password directly on the financial card, or setting the password as a combination of numbers associated with the personal data (eg, phone number, date of birth, ID number, etc.) to make the password easy to try. Therefore, once the user's financial card is obtained by a person who is familiar with the user, the traditional ATM, financial card and password-based trading system cannot effectively prevent this type of piracy. In other words, there are a number of deficiencies in the way authentication is performed using only passwords and cards as ATMs.

In view of this, the present invention proposes a system for executing a transaction through a mobile communication device, by operating a mobile communication device to perform a process of scanning a specific signal during the transaction, thereby effectively avoiding the inconvenience caused by the loss of the financial card and simplifying it. The traditional steps of operating the ATM with a financial card, and the personal identity verification method of the mobile communication device itself, can increase the security and privacy during the transaction.

A system for performing transactions through a mobile communication device according to an embodiment of the present invention, comprising: an automated teller machine, a mobile communication device, and a verification server. The automatic teller machine includes a trigger unit, a control unit, a communication unit, a display unit and a transaction unit. The trigger unit, the communication unit, the display unit and the transaction unit are all electrically connected to the control unit. The trigger unit is configured to generate a trigger signal when triggered. The control unit generates a transaction start signal according to the trigger signal. The display unit displays the transaction start signal, and the displayed transaction start signal is a quick response matrix code. The communication unit sends a transaction initiation signal. The mobile communication device includes a scanning unit, an input unit, and an arithmetic unit. The scanning unit is electrically connected to the arithmetic unit and obtains a transaction start signal. The input unit is electrically connected to the arithmetic unit and is input for generating transaction content. The arithmetic unit generates verification information according to the transaction content and the transaction initiation signal operation and transmits the verification information through the mobile communication device. Verify that the server is connected to the ATM and the mobile communication device. The verification server respectively receives the transaction initiation signal and the verification information to execute the judgment procedure, and when the verification information includes the part corresponding to the transaction initiation signal, the verification server sends the renewable signal to the ATM. The transaction unit of the ATM performs trading operations based on the renewable signal.

With the above structure, the system for performing transactions through the mobile communication device disclosed in the present application allows the user to withdraw money and deposit at an ATM set up by a financial institution such as a bank or a post office without using a conventional financial card and a password input method. Or common financial transaction operations such as transfer. In practical applications, the user simply needs to trigger the ATM, and then scans the barcode displayed on the screen of the ATM through the mobile communication device held by himself, and inputs the transaction content, after the authentication is completed on the bank or the verification server at the post office. The user can get cash, deposit cash or complete the transfer at the ATM. The overall process is simple and secure, and effectively avoids the inconvenience caused by the loss, theft and password of the financial card.

The above description of the disclosure and the following description of the embodiments are intended to illustrate and explain the spirit and principles of the present invention, and to provide further explanation of the scope of the patent application of the present invention.

The detailed features and advantages of the present invention are described in detail below in the embodiments, which are sufficient to enable any skilled artisan to understand the technical contents of the present invention and implement it according to the contents, the scope of the patent application and the drawings. Anyone familiar with the relevant art can easily understand the purpose and advantages of this creation. The following examples are intended to further illustrate the scope of this creation, but do not limit the scope of the creation in any way.

Please refer to FIG. 1 , which is a system architecture diagram of a transaction executed by a mobile communication device according to an embodiment of the present invention. The system includes an ATM 1, a mobile communication device 3 and a verification server 5 . The ATM 1 is communicatively coupled to the authentication server 5, and the mobile communication device 3 is communicatively coupled to the authentication server 5. In practice, the "communication connection" refers to connection by wire or wireless; the wired communication connection is, for example, through a telephone line, a universal serial bus (USB), a twisted pair cable, a coaxial cable, or a fiber optic cable. The communication connection is made by way of example: Global System for Mobile communications (GSM), Worldwide Interoperability for Microwave Access (WiMax), and Code Division Multiple (Code Division Multiple) Access, CDMA, Near Field Communication (NFC), Bluetooth or Wi-Fi. This creation does not limit the types of communication links.

The automatic teller machine 1 includes a trigger unit 10, a control unit 12, a communication unit 14, a display unit 16, and a transaction unit 18, wherein the trigger unit 10, the communication unit 14, the display unit 16, and the transaction unit 18 are all electrically connected to the control unit 12, As shown in Figure 1.

Please refer to Figure 1. The triggering unit 10 is configured to generate a trigger signal when triggered by the user, and the trigger signal is used to replace the traditional ATM to "insert the financial card to the card slot" as the action for starting the financial operation interface. In practice, the trigger unit 10 is typically implemented as a physical button or a button square on a touch screen. In other implementations of the present invention, the trigger unit 10 may also be an NFC sensing device having a Reader/Writer mode or a P2P mode and having a user's mobile communication device 3 An NFC device, a chip or an antenna that can operate a card emulation mode; thereby, the user brings the mobile communication device 3 close to the trigger unit 10 of the ATM 1 and transmits the sensing technology through the NFC to achieve a triggering effect without The trigger unit 10 is actually touched by the limb. In yet another embodiment, the trigger unit 10 is a fingerprint recognition device. When the user touches the trigger unit 10 with a finger, the trigger unit 10 obtains the fingerprint signal of the user and searches for an online database according to the fingerprint signal. When the matching fingerprint data is detected in the database, the trigger unit 10 sends the trigger signal. . The online database is composed of personal information pre-stored by the user when opening an account at the bank, and includes the fingerprint data of the user. In still another embodiment, the security of the system for performing transactions through the mobile communication device according to the present invention can be further enhanced by the verification mechanism that the trigger unit 10 has. In addition, it must be specifically stated that the aforementioned fingerprint identification can also be replaced by biometric identification techniques such as face, vein, iris, and voiceprint, which is not limited in this creation.

Please refer to Figure 1. The control unit 12 is, for example, a central processing unit (CPU), a microprocessor (Microprocessor), a digital signal processor (DSP), and a special application integrated circuit (Application-Specific Integrated Circuit) of a general personal computer. , ASIC), other similar components or a combination of the above components, this creation does not limit the hardware type of the control unit 12. The control unit 12 is configured to generate a transaction initiation signal according to the trigger signal. In other words, when the trigger unit 10 is triggered by the user, the control unit 12 then generates a corresponding transaction initiation signal. Based on transaction security considerations, the transaction initiation signal should be unique and timely. In practice, the control unit 12 calculates a transaction start signal according to the trigger signal, the date generated by the trigger signal, and the current time, for example, using the aforementioned date and time as input information, and performing a mathematical operation through the encryption algorithm. The transaction start signal. The above system ensures the uniqueness of the transaction initiation signal, and regarding the timeliness of the transaction initiation signal, for example, when the control unit 12 obtains the transaction initiation signal, the control unit 12 activates a countdown timer if the control unit is within a predetermined time. 12 After receiving the subsequent operation command corresponding to the transaction start signal, after the countdown timer expires, the control unit 12 will not execute any subsequent operation command corresponding to the transaction start signal, in other words, the user must trigger the trigger unit. The transaction operation is completed using the mobile communication device 3 within a predetermined time period of 10. In another embodiment of the present invention, the control unit 12 includes generating a transaction initiation signal according to the hardware identification code of the automated teller machine 1 in addition to the transaction start signal based on the date and time operations. By combining the transaction initiation signal with the hardware device of the ATM 1 or the mechanism for triggering the trigger time of the ATM, it is possible to prevent the transaction activation signal from being copied and being stolen outside the location where the ATM 1 is installed.

Please refer to Figure 1. The communication unit 14 is configured to send the aforementioned transaction initiation signal. In detail, while the control unit 12 generates the transaction initiation signal, the control unit 12 synchronously instructs the communication unit 14 to transmit the transaction initiation signal to the verification server 5 via the communication connection.

Please refer to Figure 1. The display unit 16 is configured to display the transaction initiation signal generated by the control unit 12. In detail, while the control unit 12 generates the transaction initiation signal, the control unit 12 synchronously controls the display unit 16 to present the transaction initiation signal for the user to perform subsequent operations. Referring to FIG. 2, in the embodiment of the present invention, the transaction initiation signal displayed by the display unit 16 is a Quick Response Code (QR Code), which may include the date and time when the trigger unit 10 is triggered. The hardware identification code of the ATM 1 and other information. In other embodiments, the displayed transaction initiation signal may also be a two-dimensional barcode such as PDF417 or Hanxin code. In practice, the display unit 16 is, for example, a Plasma Display Panel, a Liquid-Crystal Display (LCD), a Thin Film Transistor Liquid Crystal Display (TFT-LCD), and a light-emitting diode. A Light-Emitting Diode Display (LED Display) Organic Light-Emitting Diode (OLED) or other display device with similar functions.

Please refer to FIG. 1 and FIG. 2 together. FIG. 2 is a schematic diagram showing the operation of the system for performing transactions through the mobile communication device 3 according to an embodiment of the present invention. The mobile communication device 3 includes a scanning unit 32, an input unit 34, and an arithmetic unit 36. In practice, the mobile communication device 3 is a smart phone, a tablet computer, a notebook computer or a wearable smart device.

The scanning unit 32 is electrically connected to the computing unit 36 and used to obtain the transaction initiation signal. In practice, the scanning unit 32 is configured by the imaging unit disposed on the smart phone or the tablet, and is displayed by the display unit 16 of the automated teller machine 1 . The transaction initiation signal is used to obtain an image of the transaction initiation signal, and the image is transmitted to the arithmetic unit 36 for further analysis.

The input unit 34 is electrically connected to the computing unit 36 and used for inputting to generate transaction content. In practice, the input unit 34 is, for example, a touch screen of a smart phone or a tablet computer, or may be an external keyboard of the mobile communication device 3, There is no limit to this creation. The transaction content is, for example, a financial transaction item such as a deposit amount, a withdrawal amount, an amount of transfer, or an account for transfer.

The operation unit 36 generates verification information according to the transaction content and the transaction initiation signal, and transmits the verification information through the mobile communication device 3. In practice, the operation unit 36 is, for example, a microprocessor, a digital signal processor, a special application integrated circuit, or the like. Similar elements or combinations of the above. The verification information is generated by, for example, the operation unit 36 running an application, which is provided by a trusted financial institution that sets the automatic teller machine 1, and the application program has a mobile communication device for accessing the user. The authority of the scanning unit 32 of 3. The application provides an interface for the user to set the transaction content through the input unit 34, and executes an encryption algorithm based on the transaction content and the transaction initiation signal to generate the verification information. Moreover, before the user wants to execute the application, the application may further include performing identity verification on the user through a fingerprint recognition module or a face recognition module of the smart phone or the tablet, or through a traditional digital password. A graphical password or the like performs identity verification on the user, thereby restricting the operation of the non-accounting person to the application. Therefore, the system for executing the transaction through the mobile communication device described in the embodiment of the present invention can be improved by the way that the mobile communication device 3 and the application running on the mobile communication device 3 replace the traditional financial card activation function of the financial card. Security.

In a system for performing a transaction via a mobile communication device as described in another embodiment of the present invention, the mobile communication device 3 further includes a positioning unit 38. The positioning unit 38 is electrically connected to the computing unit 36. The positioning unit 38 is configured to obtain the first geographic location of the mobile communication device 3, and the computing unit 36 further includes generating verification information according to the first geographic location, the transaction content, and the transaction initiation signal. This verification information is sent to the verification server 5 via the mobile communication device 3. The application of this first geographic location is described below.

The verification server 5 communicates with the automatic teller machine 1 and the mobile communication device 3. In practice, the verification server 5 is, for example, a Pedestal server, a Rack server or a Blade server. This creation does not limit the hardware type of the verification server 5. The verification server 5 is for detecting signals transmitted by the automatic teller machine 1 and the mobile communication device 3, respectively. Specifically, the verification server 5 receives the transaction initiation signal and the verification information, respectively, and executes a determination procedure for the transaction initiation signal and the verification information. The judging process determines whether there is a portion corresponding to the transaction initiation signal in the verification information, thereby determining that the transaction activation signal sent by the automated teller machine 1 is actually triggered by the user operating the mobile communication device 3. The matching part is information such as the date and time included in the transaction initiation signal. The judging program compares the date and time information in the transaction start signal sent by the automatic teller machine 1 with the information such as the date and time included in the verification signal to confirm the date and time when the user triggers the transaction operation. The judging program run by the verification server 5 may further include comparing the date and time in the transaction initiation signal with the date and time when the verification server 5 receives the verification information within a reasonable time range, for example, triggering from the user. The interval between the triggering unit 10 of the ATM 1 and the mobile communication device transmitting the verification signal within 2 minutes represents that the transaction operation is a reasonable transaction operation that can be continued. When the judgment program judges to pass, the verification server 5 sends a renewable signal to the automatic teller machine 1. Otherwise, the verification server 5 sends an alarm signal to notify the relevant unit personnel to perform corresponding treatment.

In another embodiment of the present invention, the transaction initiation signal includes the hardware identification code of the ATM 1 , and the user's mobile communication device 3 includes the positioning unit 38 to obtain the first geographic location of the mobile communication device, and is verified. Add information about this first location to the signal. Therefore, the judging process of the verification server 5 further includes searching the database according to the hardware identification code of the ATM 1 to obtain the second geographical location of the automatic teller machine, and determining whether the program can compare the first geographical position and the second geographical position with a reasonable Within the distance range (for example, 0~5 meters), when the above comparison conditions do not match, the verification server 5 sends an alarm signal to notify the relevant unit personnel to perform corresponding treatment. The security of the financial transaction operation can be further improved by verifying the operation location of the ATM 1 and the mobile communication device 3 as described above.

In another embodiment of the present invention, the user may also preset a third geographic location and store it in the verification server 5. After the verification server 5 obtains the first geographic location, the determination program of the verification server 5 calculates the distance between the first geographic location and the third geographic location, and sends a list of tradable items to the mobile communication device 3 according to the distance. The list of tradable items includes a plurality of transaction items, and the transaction items vary according to the distance. For example, a user living in the Xinyi District of Taipei City can set the third geographic location to the Taipei City Government MRT station in advance to the bank, and set its usual transaction item to be “with a withdrawal limit of 5,000 yuan” and “to mention The maximum amount is 3,000 yuan and the maximum withdrawal limit is 1,000 yuan. Therefore, if the distance between the first geographic location where the user operates the automated teller machine 1 and the third geographic location preset by the user is within 500 meters, the verification server 5 provides the above three transaction items. For the user to choose; and if the verification server 5 measures the distance between the two is between 500 and 1000 meters, the two items of "extraction limit of 3,000 yuan" and "extraction limit of 1,000 yuan" are opened for the user to select. If the distance between the two is more than 1000 meters, the open withdrawal limit is only 1,000 yuan. Based on the above-described mechanism for determining the open authority of the transaction item by the distance, the security of the user performing the transaction through the mobile communication device 3 can be further enhanced.

As described above, when the control unit 12 of the automated teller machine 1 receives the renewable signal from the verification server 5, the control unit 12 instructs the transaction unit 18 to perform a transaction operation based on the renewable signal, for example, according to the transaction set by the user. The content provides cash to the user.

In summary, the system for performing transactions through the mobile communication device disclosed in the present invention effectively avoids the inconvenience caused by the loss of the financial card by operating the mobile communication device during the transaction process to scan the transaction initiation signal. It also simplifies the traditional steps of operating the ATM with a financial card; in addition, it can increase the security and privacy of the transaction process through the personal identity verification method of the mobile communication device itself. Further, the user can perform common financial transaction operations such as withdrawal, deposit or transfer at an ATM set by a bank or a post office without using a traditional financial card and entering a password. In practical applications, the user only needs to simply trigger the ATM, and then scan the barcode displayed on the screen of the ATM through the mobile communication device held by himself, and input the transaction content, after the authentication server at the bank or the post office completes the authentication. The user can get cash, deposit cash or complete the transfer at the ATM. The overall process is simple and secure.

Although the present invention has been disclosed above in the foregoing embodiments, it is not intended to limit the present invention. The changes and refinements that are made without departing from the spirit and scope of this creation are within the scope of patent protection of this creation. Please refer to the attached patent application scope for the scope of protection defined by this creation.

1‧‧‧Automatic Teller Machine
10‧‧‧Trigger unit
12‧‧‧Control unit
14‧‧‧Communication unit
16‧‧‧Display unit
18‧‧‧transaction unit
3‧‧‧Mobile communication device
32‧‧‧Scan unit
34‧‧‧Input unit
36‧‧‧ arithmetic unit
38‧‧‧ Positioning unit
5‧‧‧Verification server
S1~S11‧‧‧ steps

FIG. 1 is a system architecture diagram of executing a transaction through a mobile communication device according to an embodiment of the present invention. FIG. 2 is a schematic diagram showing the operation of a system for performing a transaction through a mobile communication device according to an embodiment of the present invention.

Claims (9)

A system for executing a transaction through a mobile communication device, comprising: an automatic teller machine, comprising a trigger unit, a control unit, a communication unit, a display unit and a transaction unit, and the trigger unit, the communication unit, the display unit and the The transaction unit is electrically connected to the control unit, the trigger unit is configured to generate a trigger signal when triggered, the control unit generates a transaction activation signal according to the trigger signal, and the display unit is configured to display the transaction initiation signal, The communication unit is configured to send the transaction activation signal. The mobile communication device includes a scanning unit, an input unit and an operation unit. The scanning unit is electrically connected to the operation unit and used to obtain the transaction activation signal. The input unit is electrically Connected to the computing unit for inputting to generate a transaction content, the computing unit generates a verification message according to the transaction content and the transaction initiation signal operation and transmits the verification information through the mobile communication device; and a verification server, Communicating the ATM and the mobile communication device, The certificate server receives the transaction initiation signal and the verification information respectively to perform a determination process, and when the verification information includes a portion corresponding to the transaction initiation signal, the verification server sends a renewable signal to The automated teller machine; wherein the transaction unit of the automated teller machine is configured to perform a transaction operation based on the renewable signal. A system for performing a transaction by a mobile communication device as claimed in claim 1, wherein the transaction initiation signal displayed by the display unit is a quick response matrix code. The system for performing a transaction by the mobile communication device according to claim 1, wherein the control unit further comprises generating the transaction activation signal according to a date and a time when the trigger unit is triggered and the trigger signal. The system for performing a transaction by the mobile communication device according to claim 1, wherein the control unit further comprises generating the transaction activation signal according to a hardware identification code of the automatic teller machine and the trigger signal. The system of claim 4, wherein the mobile communication device further comprises a positioning unit, the positioning unit is electrically connected to the computing unit, and the positioning unit is configured to obtain one of the mobile communication devices. a geographic location, and the computing unit further includes generating the verification information according to the geographic location, the transaction content, and the transaction initiation signal; and the determining procedure of the verification server further includes searching a database according to the hardware identification code Obtaining a second geographic location of the automated teller machine, and the determining process further includes determining whether the distance between the first geographic location and the second geographic location is within a reasonable distance. The system of claim 4, wherein the mobile communication device further comprises a positioning unit, the positioning unit is electrically connected to the computing unit, and the positioning unit is configured to obtain one of the mobile communication devices. a geographic location, and the computing unit further includes generating the verification information according to the geographic location, the transaction content, and the transaction initiation signal; and the determining process further includes calculating a distance between the first geographic location and a third geographic location, And sending a list of tradable items to the mobile communication device according to the distance, wherein the list of tradable items includes a plurality of transaction items. A system for performing a transaction by a mobile communication device as claimed in claim 1, wherein the trigger unit is a near field communication sensing device. A system for performing a transaction by a mobile communication device as claimed in claim 1, wherein the triggering unit is a fingerprint identification device. A system for performing a transaction via a mobile communication device as claimed in claim 1, wherein the mobile communication device is a smart phone or a tablet.