CN1770209A - Method and apparatus for starting personal financial function - Google Patents
Method and apparatus for starting personal financial function Download PDFInfo
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- CN1770209A CN1770209A CN 200410087183 CN200410087183A CN1770209A CN 1770209 A CN1770209 A CN 1770209A CN 200410087183 CN200410087183 CN 200410087183 CN 200410087183 A CN200410087183 A CN 200410087183A CN 1770209 A CN1770209 A CN 1770209A
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Abstract
Disclosed is a method and apparatus for personal financial function starting mechanism which employs a starting media with storage function for individual identity recognition data to establish a safety protection mechanism of user individual financial function starting, make user employ the starting media which acquires reading connection with financial device to input individual identification data, the first protecting mechanism is complete when input data is correctly recognized with data stored on the starting media; the second protecting mechanism is started to input and check account starting data; when both the protecting mechanisms are recognized correctly, user can start personal financial functions on the financial device.
Description
Technical field
The present invention relates to a kind of method and apparatus of starting personal financial function, relate in particular to a kind of have individual-specific characteristic identity identification data and number of the account log-on data, form the personal finance function on security protection mechanism of dual or above personal identification data identification, be controlled at the method and apparatus of the personal finance number of the account Initiated Mechanism that starts the use of personal finance function on the financial instrument.
Background technology
Convenience along with the development and the use of plastic money, add that financial institution does one's utmost to promote credit card, fiscard, cash card, add the ATM withdrawal machine and the ATM deposit/drawings machine of extensive setting, make the rate that is used of plastic money improve constantly, What is more, government bodies also constantly advocate the application of electronic government documents and electronic correlation data, to promote the application of electronic identity voucher, obviously, chip type electron storage medium will become important use medium of following proof of identification.
Now, no matter be the credit card of plastic money, fiscard, cash card, or the using method of identity documents data card, all be that the card form media component that stores user's data is put into the set financial instrument of financial institution, as ATM withdrawal machine and ATM deposit/drawings machine, or by connecting the reading systems such as calculating punch of computer and network, confirm the validity and correctness of media component at reading system after, the display requirement user inputs the password of setting immediately, as long as financial account or voucher that the input password is correctly just opened appointment through contrast are logined, what the user just can carry out financial function manipulates or applies for desired data; But enabling of above-mentioned plastic money and voucher card, only by simple single group of password as security protection mechanism, can't effectively reach the effect of security protection, add that the user is the memory of convenient password, and no matter " lazyboot " passwords that adopt are to lose or stolen with improper means by unworthy personage more, add to have the inclination personage's planned stealing passwords, as pinhole camera etc. is installed, can start easily and enter account and claim gold.When card is lost or be stolen, can't effectively obtain the guarantee of finance account security protection.
Given this, the inventor is for improving and solve the defective that exists in the above-mentioned prior art, through concentrating on studies and cooperating the utilization of scientific principle, proposes a kind of reasonable in design and effectively improve the present invention of above-mentioned defective finally.
Content of the present invention
Fundamental purpose of the present invention is to solve the defective that exists in the above-mentioned prior art, the present invention redesigns the security protection mechanism that starts the personal finance function between startup medium that the user holds and use and financial instrument, the personal finance function will be activated on financial instrument, in the time of need making with startup medium original application by user's input, the identity identification data contrast with individual-specific characteristic that stores is correct, just can enter personal finance function on data input contrast, and need after the double data contrast is correct, could to start number of the account, to prevent to start the medium loss or the personal finance function when stolen is not activated safety protecting method and the device of usurping.
To achieve these goals, the method and apparatus of starting personal financial function of the present invention, made the employed startup medium of startup number of the account on financial instrument when mainly utilizing the application of personal finance function, original storage user has the personal identification Identification Data of individual-specific characteristic, form first preventing mechanism, the user utilizes the above-mentioned startup medium of carrying to be connected the method that starts financial account or financial function with the financial instrument of financial institutional establishment, comprise startup medium and financial instrument obtained to read and be connected, the person of being used is by the data input cell of financial instrument, first Identification Data that input identification contrast is used is the above-mentioned personal identification Identification Data of carrying, through correctly finishing the first preventing mechanism identification with the original storage data identification of startup medium, start second preventing mechanism then, carry out i.e. second Identification Data input of number of the account log-on data and check, under all correct condition of above-mentioned two preventing mechanism identifications, the user could start the personal finance function on financial instrument, claim, payment, transfer accounts, query the balance, the various finance such as permission of signing the bill with credit card is used.
The present invention can allow the user safer, reliable when carrying out the personal finance operation.
Brief description of drawings
Fig. 1 is the block diagram of device first specific embodiment of the present invention;
Fig. 2 is the block diagram of device second specific embodiment of the present invention;
Fig. 3 is the block diagram of device the 3rd specific embodiment of the present invention;
Fig. 4 is the operational flow diagram of the inventive method.
In the accompanying drawing, the list of parts of each label representative is as follows:
1-financial instrument 2-starts medium
10-slot 11-data input cell
12-input block 21-storage assembly
300～324-flow process
Embodiment
About technology contents of the present invention and detailed description, existing conjunction with figs. is described as follows:
As shown in Figure 1 to Figure 3, the starting personal financial function device of the specific embodiment of the invention comprises that a financial instrument 1 and held and used by the user, connects financial instrument 1, and the startup medium 2 that start the personal finance function are formed, as shown in Figure 1.
Start medium 2 and made simultaneously when the user applies for the personal finance number of the account by financial institution and send out, in order to allow the user hold and use produces to read with financial instrument 1 and is connected, startup user personal finance function is carried out financial transaction or financing on financial instrument 1.
Starting medium 2, is the input coupling assembling of a sheet type in the present invention's one specific embodiment, a kind of as in fiscard, credit card, ATM card, the personal electric identity documents card etc.Start medium 2 and be provided with storage assembly 21, as chip, thereby has memory function, except that the number of the account log-on data that general storage user's personal finance number of the account or credit card information or personal electric voucher data is provided and uses as second Identification Data at second preventing mechanism, outside password etc., can further store the data content of the individual-specific identity identification data characteristic of at least a user of having, comprise: fingerprint, retina (iris), sound (audio frequency), body odour, a kind of among the DNA etc. forms the contrast judgment data of first preventing mechanism that starts the personal finance number of the account.
Starting personal financial function device according to the above embodiment of the present invention, below by the method flow of the starting personal financial function of a preferred embodiment, conjunction with figs. describes the method for starting personal financial function of the present invention in detail and controls operation workflow.
Fig. 4 is the operational flow diagram of controlling of the method for the starting personal financial function of the present invention's one preferred specific embodiment.The method of described starting personal financial function, the startup medium 2 that the user held and used, originally stored identity identification data, and on financial instrument 1, be connected with the data input cell 11 that the identity identification data that the user imports above-mentioned individual-specific characteristic are provided with the individual-specific characteristic of user.
The user slot 10 that medium 2 put into financial instrument 1 and provide will be provided promptly read the position, form and start the data information reading state that medium 2 are connected with financial instrument 1, and read through financial instrument 1 that judge to start medium 2 are correct being suitable for, financial instrument 1 will start first preventing mechanism then, and to require the user to import first Identification Data be the personal identification Identification Data, as flow process 300.
The user utilizes the data input cell 11 input user personal identification Identification Data that are provided with or connect financial instrument 1, as flow process 302, and read the user's identity identification data that start medium 2 original storages by financial instrument 1, carry out the contrast identification of correctness, as flow process 304.
The correct personal finance function of promptly opening the user automatically of flow process 314 identifications contrast, the user can claim, payment, transfer accounts, query the balance, the various financial user demand feature operations such as permission of signing the bill with credit card, as flow process 316, and after the financial function operation of finishing selection, financial instrument 1 will further inquire whether continue other feature operation, as flow process 318, the user is if select "Yes", then returning back to flow process 316 allows the user continue other financial function operation, the user is if select "No", financial instrument 1 is promptly nullified automatically and is closed user's personal finance number of the account, as flow process 320.
Is incorrect in flow process 314 for number of the account log-on data identification contrast, to require to import once more and carry out the identification contrast, as flow process 322, input identification through set point number is incorrect, as flow process 324, to take over equally and start medium 2, and please the user send out mechanisms and verify again system, as flow process 326 to former startup medium 2 systems.
The first above-mentioned Identification Data and the input of second Identification Data and identification are operated interchangeable order and are carried out, and above-mentioned idiographic flow embodiment only is used for illustrating content of the present invention, is not that the identity identification contrast forms qualification in proper order to preventing mechanism of the present invention therefore.As for the operational scheme of controlling of the method for starting personal financial function of the present invention, in credit card or network finance operation, also can directly control the permission of POS by above-mentioned first preventing mechanism.
In sum, the method and apparatus of starting personal financial function of the present invention has practicality, novelty and creativeness, and structure of the present invention also never sees like product and public use, does not more publish before the application on any publication, meets the requirement of application for a patent for invention fully.
The above only is the preferred embodiments of the present invention, be not so promptly limit claim of the present invention, the equivalent structure transformation that every utilization instructions of the present invention and accompanying drawing content are done, or directly or indirectly be used in other relevant technical field, all in like manner be included in the claim of the present invention.
Claims (11)
1. the device of a starting personal financial function is characterized in that, described device comprises:
One financial instrument;
One connects the data input cell of described financial instrument, is used to import first Identification Data;
One connects the input block of described financial instrument, is used to import second Identification Data;
One is used to connect the startup medium of described financial instrument;
One is stored in the personal identification Identification Data of described startup medium.
2. the device of starting personal financial function as claimed in claim 1 is characterized in that the input coupling assembling that described startup medium are a sheet type, a kind of as in fiscard, credit card, ATM card, the personal electric identity documents card etc.; The personal identification Identification Data that is stored in described startup medium is one to have the identity identification data of individual-specific characteristic, the described personal identification Identification Data that starts medium that is stored in is a kind of among fingerprint, retina, sound, body odour, the DNA etc., forms the contrast judgment data of first preventing mechanism that starts the personal finance number of the account.
3. the device of starting personal financial function as claimed in claim 1, first Identification Data that it is characterized in that described data input cell input is corresponding to the stored personal identification Identification Data of described startup medium; Described data input cell is a kind of in a fingerprint input block, retina scanning unit, sound input block, body odour input block, the DNA sampling input analytic unit etc.
4. the device of starting personal financial function as claimed in claim 1, it is characterized in that described financial instrument be ATM withdrawal machine, an ATM deposit/drawings machine that is arranged on various places, mend folding machine, calculating punch, POS machine or can with electronic product that network is connected in a kind of; Described electronic product is a kind of in computing machine, mobile phone, digital assistants, the intelligent communication device.
5. the method for a starting personal financial function, include one the startup medium that store the personal identification Identification Data are provided, with the financial instrument that is connected with data input cell and input block, forming data read connects and the identification contrast, produce first and second preventing mechanism that starts the personal finance function, it is characterized in that described method comprises:
Described startup medium are put into financial instrument, obtain with described financial instrument and carry out being connected of data read;
The described startup medium of described financial instrument identification be correct after, start described first preventing mechanism and require input first Identification Data;
Utilize data input cell to import first Identification Data as requested;
Described financial instrument reads first Identification Data of original storage by described startup medium, carries out the identification contrast with the data of being imported by data input cell;
After the described first preventing mechanism identification is correct, start second preventing mechanism, require input second Identification Data by financial instrument;
Utilize described financial instrument input block to import second Identification Data;
Carry out the identification contrast of storage data according to second Identification Data of input;
After the described second preventing mechanism Identification Data is correct, start the personal finance function, carry out manipulating of various financial function demands;
Complete operation is also carried out and is nullified number of the account.
6. the method for starting personal financial function as claimed in claim 5 is characterized in that described first Identification Data is a kind of among fingerprint, retina, sound, body odour, the DNA.
7. the method for starting personal financial function as claimed in claim 5 is characterized in that described second Identification Data is the number of the account log-on data, as password.
8. the method for starting personal financial function as claimed in claim 5 is characterized in that the input of described first Identification Data and second Identification Data and identification exchange carry out in proper order.
9. the method for starting personal financial function as claimed in claim 5, it is characterized in that described method further comprises: if described financial instrument is incorrect to the first Identification Data identification contrast of input at first preventing mechanism, financial instrument will require to import once more first Identification Data, and, take over described startup medium requiring input and identification not to be inconsistent when reaching set point number.
10. personal finance function double protection mechanism method, include the startup medium that are used to store the personal identification Identification Data, with the financial instrument that is connected with data input cell and input block, form data read and connect the identification preventing mechanism that contrasts with identification, it is characterized in that described method comprises:
First preventing mechanism utilizes described data input cell to import first Identification Data, reads the personal identification Identification Data that described startup medium store by described financial instrument, carries out the identification contrast, and contrasts correct result according to identification and start second preventing mechanism;
Second preventing mechanism utilizes described input media to import second Identification Data, carries out the identification contrast by described financial instrument with starting the medium storage data, and contrasts correct result according to identification, starts the personal finance function on described financial instrument;
After the personal finance function executing financial function operation that starts is finished, nullify and be closed in the personal finance function that starts on the described financial instrument.
11. the method for starting personal financial function as claimed in claim 10 is characterized in that described first and second Identification Data is a kind of in identity identification data with individual specialized property, the number of the account log-on data; Described identity identification data with individual specialized property is a kind of among fingerprint, retina, sound, body odour, the DNA.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410087183 CN1770209A (en) | 2004-11-04 | 2004-11-04 | Method and apparatus for starting personal financial function |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200410087183 CN1770209A (en) | 2004-11-04 | 2004-11-04 | Method and apparatus for starting personal financial function |
Publications (1)
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|---|---|
| CN1770209A true CN1770209A (en) | 2006-05-10 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 200410087183 Pending CN1770209A (en) | 2004-11-04 | 2004-11-04 | Method and apparatus for starting personal financial function |
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| CN (1) | CN1770209A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103854363A (en) * | 2012-11-29 | 2014-06-11 | 安凯(广州)微电子技术有限公司 | Identity authentication method, device and system based on automatic teller machine (ATM) |
| CN105447969A (en) * | 2014-09-23 | 2016-03-30 | 索尼公司 | Messaging customer mobile device when electronic bank card used |
| CN105631673A (en) * | 2015-08-07 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | Cloud payment method, payment terminal, cloud payment platform and cloud payment system |
-
2004
- 2004-11-04 CN CN 200410087183 patent/CN1770209A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103854363A (en) * | 2012-11-29 | 2014-06-11 | 安凯(广州)微电子技术有限公司 | Identity authentication method, device and system based on automatic teller machine (ATM) |
| CN105447969A (en) * | 2014-09-23 | 2016-03-30 | 索尼公司 | Messaging customer mobile device when electronic bank card used |
| CN105631673A (en) * | 2015-08-07 | 2016-06-01 | 宇龙计算机通信科技(深圳)有限公司 | Cloud payment method, payment terminal, cloud payment platform and cloud payment system |
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