TW200415902A - Personal identification information integration device - Google Patents
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- TW200415902A TW200415902A TW92133477A TW92133477A TW200415902A TW 200415902 A TW200415902 A TW 200415902A TW 92133477 A TW92133477 A TW 92133477A TW 92133477 A TW92133477 A TW 92133477A TW 200415902 A TW200415902 A TW 200415902A
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200415902 五、發明說明(1) 【發明所屬之技術領域】 本發明係為一種個人識別資訊整合裝置,特別是一種 用於***以及金融交易卡等身份識別卡交易:,二以防 偽之個人識別資訊整合裝置。 【先前技術】 現行的塑膠貨幣交易中,透過簡易驗證持卡人身份程 序,達到不用紙鈔進行交易或其他轉帳、匯款、提款^金 融交易的目的’其驗證的方式固然便利,但是其便利性亦 提供不肖之人一個易於圖利、縹竊他人財物的管道,造成 個人以及社會資源的嚴重浪費。近來由於偽卡的技術更趨 成熟,經由簡單的複製程序就能複製出一張張的具有效力 的偽造***或金融交易卡,使得目前卡片上的^偽功能 形同虛汉,尤其是近來不斷傳出金融業或零售業的不肖員 工收受以每筆近百元美金的利誘,由小至使用掌上型測錄 機,大至自公司電腦系統竊取大量可用來複製***、金 融交易卡的磁卡資料售予偽卡集團,提供製作偽卡的樣… 版,其所製造出來的複製卡亦提供了犯罪組織龐大的資金 來源供其危害國家與社會,嚴重影響金融體系的正常交 易。 目前為止有關於安全機制專利為數眾多,然隨生物 徵辨識技術發展,利用生物特徵藉以識別身份以達到安全 =目的整合系統如雨後春筍般滋生發展,如根據美國專 睛第55 1 32 72號所提出之一搭配指紋辨識器的***交 系統,就是利用指紋做為持卡人身份驗證的依據,其根200415902 V. Description of the invention (1) [Technical field to which the invention belongs] The present invention is a personal identification information integration device, in particular, it is used for identity card transactions such as credit cards and financial transaction cards: Second, anti-counterfeit personal identification information Integrated device. [Previous technology] In the current plastic currency transactions, through the simple verification of cardholder identity procedures, the purpose of achieving transactions without paper money or other transfers, remittances, and withdrawals ^ financial transactions is certainly convenient, but it is convenient Sex also provides a channel for unscrupulous people to easily profit and plagiarize the property of others, causing serious waste of personal and social resources. Recently, as the technology of counterfeit cards has become more mature, valid counterfeit credit cards or financial transaction cards can be copied one by one through a simple copying procedure, which makes the current pseudo-functions on the cards look like fake people, especially recently. It is reported that unscrupulous employees in the financial industry or the retail industry are enticed by nearly one hundred dollars each, from as small as the use of a handheld recorder to as much as stealing a large number of magnetic card data that can be used to copy credit cards and financial transaction cards from the company's computer system. It was sold to a fake card group and provided a sample ... version of the fake card. The copy card produced by it also provided a huge source of funds for criminal organizations to harm the country and society and seriously affect the normal transactions of the financial system. So far, there are many patents on security mechanisms. However, with the development of biometric identification technology, the use of biometrics to identify identities to achieve security = the purpose of integration systems has sprung up and developed, as proposed by the United States Special Issue No. 55 1 32 72 One of the credit card payment systems with fingerprint readers is to use fingerprints as the basis for cardholder identity verification.
200415902 五、發明說明(2) 據指紋的生 現用生物特 構上為了在 膜辨識以及 差異’提向 交易架構的 方面,著實 識技術之系 與遠端授權 於繁雜,而 始要歷經多 銷售點設置 提款機等) 外,根據美 卡驗證授權 直接架設於 為生物特徵 及比對程序 此外, 過驗證授權 性驗證後, 碼’雖然只 之公司亦預 卡人資料的 物多樣性特 徵做為身份 安全性方面 語音波形辨 其***交 普遍,銷售 有窒礙難行 統時,其不 系統的通聯 且其驗證程 次的驗證資 時,整個原 需重新講置 國專利申請 糸統亦提出 現行*** 與***刷 上亦容易造 一般自動櫃 的程序,不 需透過密碼 有持卡人本 存持卡人一 話,後果亦 徵,透過系統設定的比對裎序,實 邊證的標準程序’此外,其系統架 達到絕對的安全認證,可外加視二 識’透過交又比對各個特徵資料的 易機制的安全性,但是基於*** 點(point of sale)在安全性提昇 之處’原因在於欲架構結合生物#辨 只是一些感測器(sensor)的配置, 以及讀卡裝置之間的線路配置亦過 序之進行相當耗費時間,自讀卡開 料交叉比對,最重要的是當=統二 先實行的設備架構(例如刷卡機、 ’大大的降低了實施的可行性。此 弟5513272號所提出之遠距離作用 類似結合生物辨識技術,而且可以 交易系統上的系統,但是由於其係 卡資訊分開的流程,於檔案傳輸以 成時間上的耗費。 員機(ATM)的金融交易方式亦是透 同的僅是當持卡人於通過初步合法 序列的輸入以換取來自遠端的授權 身知悉其密碼,但是其交易卡所屬 切資料,萬一如同前述發生販售持 不堪ά又想’其問題出自於持卡人所200415902 V. Description of the invention (2) According to the appearance of fingerprints, in order to identify the difference between the membrane and the difference to the transaction structure, the system of practical knowledge and remote authorization are complicated, and it must go through multiple points of sale. Set up a cash machine, etc.) In addition, according to the US card verification authorization, it is directly set up as a biometric and comparison process. In addition, after the authorization verification is verified, the code 'although only the company also pre-cards the biodiversity characteristics of the cardholder data as In terms of identity security, voice waveforms are commonly used to identify credit card transactions. When sales are difficult to implement, when it is not systematically connected and its verification process is verified, the entire original patent application must be revisited. The system also proposes existing credit cards. It is also easy to create a general automatic counter procedure by swiping it with a credit card. There is no need to save the cardholder's words through the password, and the consequences are also levied. Through the comparison procedure set by the system, the standard procedure for real evidence. , Its system frame achieves absolute safety certification, and can be combined with the second knowledge 'through the cross-comparison of the characteristics of the easy mechanism of security However, based on credit card points (point of sale) where security is improved, the reason is that the architecture is combined with biometrics to identify just the configuration of some sensors, and the line configuration between card readers is also carried out in an orderly manner. Quite time-consuming, self-reading card cross-comparison, the most important thing is that the equipment architecture first implemented by Tong Er (such as a card reader, 'greatly reduces the feasibility of implementation. The long distance proposed by this brother No. 5132272 The function is similar to the system combined with biometric technology, and can be traded on the system, but because it is a separate process of card information, it takes time to transfer files. The ATM financial transaction method is also only the same. It is when the cardholder knows its password through the input of the initial legal sequence in exchange for the authorized body from the remote, but the information of the transaction card belongs to it, in case of the above-mentioned unsuccessful sales and want to 'the problem lies with the holding Card House
第6頁 200415902 五、發明說明(3) 具有用以驗證身份的泰 列,I法像+舲 、’、 y ),其實只是一串簡單的數 特徵差異性,因此,如仃癸f:人而異、+易改變的生物 權糸統中,藉由生物個了直接建構於現有授 展此驗證授權機制的關鍵。· 【發明内容】 有鐘於此,本發明乃為解決 識別資訊整人^胖庆上述問碭而提出一種個人 w且_1裝 主要的目的在於可以直接结人顼;r a ***之持卡人身分驗證系統,上 用易ί;ΐΓ!:徵資:庫之現行金融交易卡與‘ 止複製卡以及=卡持卡人身分辨識之機制用以遏 =上述目的,本發明所揭露之個人識別資訊整合 收隹Ϊ:榀生物特徵處理模組,用以將生物特徵收集器戶^ =之生物特徵資料予以轉換為.生物特徵編碼;傳輸整合 …,用以接收該讀卡裝置所產生之請求驗噔編@盥二 物牿傲绝馆2、a 月&叛视編碼與該生 端授權、奉:.以曰併成整合訊息L並將整合訊息發送至遠 ’、、、、,並且於接到該遠端授權系統之授權廡變碼 ί ? 3該授權應變碼執行應變功能並且傳送“權應變 碼至頃卡裝置上執行顯示。 文 、此外’本發明亦針對現行具有資料儲存媒體(如I c晶 磁條)金融交易卡與***之持卡人身分驗證系統曰,曰 =^接透過生物特徵收集器以及資料儲存媒體内預先儲存 '物特徵資料,於使用者端進行比對辨識進而完成該持 200415902 五、發明說明(4) 卡人身分辨識之機祝 為達此目的,本發明更】:遏止複製卡與盜用卡的使用, 包含生物特徵處理2揭路應用於此機制之裝置,其同樣 讀卡裝置與生物特挎卢,以及另一比對傳輸模組,連接於 收集器所擷取之生:ί,t組之間,用以比對該生物特徵 存之生物特徵資料,鈇科以及該身份識別卡内預先儲 對結果至遠端授權“ ”=其刷卡請求授權資訊以及比 授權資訊以及比對^ί舳八通端授權系統根據其刷卡請求 變碼至讀卡裝置上;;;;應變功能,最後傳送該授權應 组,2及本’f明更揭I —與生物特徵收集器連接之辨w 組,以及一與辨識模袓 廷接之辨4极 收來自生物特徵收隹哭的^之s不核組,此—辨識模組接 整接收或判讀資r當生物特徵收集器無法完 模組,警示模處:將r:息傳遞至警* 擷取一次。 处=如告知持卡人重複 接架::露之個人識別資訊整合裝置,係可直 讀卡裝置:Γ::::及金融卡交易機制架構,結合現i 人資袼驗證=辨:;:;:::線路傳輸,作為持卡 效防止持卡人資:外::用.卡使用的安全性,並且有 而且本發明係可直接Γ構】】S 2 =及盜領案件的發生。 土封父易機制架構,結合現行 ^用卡 ;:,於持卡人端進行比對驗證程序,、及生物辨 …據’以提高***使用的安全性作;Π人資格驗 注,亚且有效防止持 第8頁 200415902Page 6 200415902 V. Description of the invention (3) There is a Thai column for verifying identity, I method image + 舲, ', y) is actually just a series of simple number feature differences, so, for example, 仃 decimal f: person In the different, + easy-to-change biological rights system, the key to constructing this verification and authorization mechanism is to directly construct the existing organisms. · [Summary of content] Here, the present invention is to solve the above problem of identifying information ^ fat Qing, and proposes a personal w and _1 installed the main purpose is to directly tie people; ra credit card holder Identity verification system, easy to use; ΐΓ !: fundraising: the current financial transaction card of the library and the 'copy-only card' and = cardholder's identity recognition mechanism are used to curb = the above purposes, the personal identification disclosed in the present invention Information integration receipt: 榀 Biometric processing module, which is used to convert the biometric data of the biometric collector user ^ = into a biometric code; transmission integration ... to receive requests generated by the card reader噔 噔 编 @ 盥 二 物 牿 傲 绝 馆 2, a month & renegade code and the authorization of the student, Bong: to merge into an integrated message L and send the integrated message to Yuan ',,,, and After receiving the authorization change code from the remote authorization system, the authorization response code performs the emergency function and transmits the "response response code to the card device to perform the display. In addition, the present invention is also directed to existing data storage media. (Such as I c crystal magnetic Article) The identity verification system for the holders of financial transaction cards and credit cards said, "^", then through the biometric collector and the data storage medium to store the "physical characteristic data" in advance, the user terminal is compared and identified to complete the holding 200415902 V. Description of the invention (4) The identity of the cardholder. In order to achieve this purpose, the present invention is even more]: to curb the use of duplication cards and stolen cards, including biometric processing. 2 The device used to uncover the path is also read. The card device and the biological Tesalou, and another comparison transmission module, are connected to the life captured by the collector: ί, t group, to compare the biometric data stored in the biometric, the family and The identity card pre-stores the result of the verification to the remote authorization "" = its swiping request authorization information and comparison authorization information and comparison ^ The Octopus authorization system changes the code to the card reading device according to its swiping request; ; Contingency function, and finally transmit the authorized response group, 2 and this' fing out I — the identification w group connected to the biometric collector, and a discrimination 4 contact with the identification mode to receive from the biometric Weeping ^ s does not check the group, this—the identification module receives or interprets the data in r. When the biometric collector cannot complete the module, the warning module is: pass r: information to the police * and retrieve it once. If the cardholder is instructed to repeatedly receive the personal identification information integration device :: Lu, it is a direct-reading device: Γ :::: and the financial card transaction mechanism structure, combined with the current human capital verification = identification:;:; ::: line transmission, as a card holding effect, to prevent card holders' human capital: Outer :: The security of card use, and the present invention can directly construct the structure】】 S 2 = and the occurrence of theft cases. The structure of the seal-of-father mechanism, combined with the current card use :: The verification and verification procedures at the cardholder's end, and biometrics ... based on 'to improve the security of credit card use; Π person qualification check, sub-effective Prevent Holding Page 200415902
卡人貝料外流、降低盜刷以及盜領案件的發生。 【實施方式] 狀閱「第1圖」:習知的***驗證系統包含讀卡 ^ 例如EDC或P0S ),其透過電話線路與遠端授權系 、、克2 1 0建立連線,於進行***授權前,商店店員進行卡 片刷卡的動作,並於讀卡裝置50中輸入刷卡金額,其經由 ,Λ線路傳達到發卡銀行所屬之遠端授權系統2 1 0,遠端 授權系,210於接收此訊息後,啟動持卡人身分的確認程 序’包含調查持卡人是否為此發卡銀行之***使用人, ,而調出持卡人的信用紀錄、消費額度等,透過該遠端授 權系統21 0進行比對驗證程序,傳回授權碼或用以告知交 易失^之代碼。讀卡裝置50接收到此授權碼之後,隨即告 知店員該卡驗證成功與否以利交易的進行;如果***是 $卡或者因為積欠未償導致***停用,則該店員也可自 項卡裝置50面版上看到交易失敗代碼(Re ject c〇de),反 之若是交易成功則會看到授權碼。此時透過商店店員根據 持卡人簽名的筆跡辨識後,完成該交易的流程,而相對於 =融卡交易系統,其僅止透過一道持卡人輸入的密碼解 密’取代商店店員辨識持卡人簽名筆跡的程序。 請麥照「第2圖」,本發明係提出一種個人識別資訊 I a衣置1 0 〇 其結合現行***交易機制之讀卡裝置5 〇 以及遠端授權系.統210,搭配讀卡裝置50以及生物特徵收 集器60,透過具備生物特徵資料庫215之遠端授權系統 210,藉由讀卡裝置50與個人識別資訊整合裝置1〇〇之間的Card people have leaked materials, reduced the incidence of stolen brushes and stolen cases. [Embodiment] Read the "picture 1": the conventional credit card verification system includes a card reader ^ such as EDC or P0S), which establishes a connection with the remote authorization system, K2 10 through a telephone line, and performs credit card Before authorization, the store clerk performs the card swipe action and enters the card swipe amount in the card reading device 50, which is transmitted to the remote authorization system 2 10 of the issuing bank via the Λ line, and the remote authorization system, 210 receives this After the message, the process of confirming the identity of the cardholder is initiated, which includes investigating whether the cardholder is the credit card user of the issuing bank, and calling up the cardholder's credit history, spending limit, etc., through the remote authorization system. Perform verification and verification procedures, return authorization codes or codes used to inform the transaction of loss. After receiving the authorization code, the card reading device 50 immediately informs the clerk whether the card verification is successful or not to facilitate the transaction; if the credit card is a $ card or the credit card is suspended due to outstanding balance, the clerk can also own the card device You can see the transaction failure code (Reject Code) on the 50th page. If the transaction is successful, you will see the authorization code. At this time, after the store clerk recognizes the handwriting signed by the cardholder, the transaction process is completed, and compared to the = card transaction system, it only decrypts through a password entered by the cardholder to replace the store clerk to identify the cardholder. Procedure for signing handwriting. Please refer to "picture 2" of Mai, the present invention is to propose a personal identification information I a clothes 1 0 〇 combining the current credit card transaction mechanism of the card reading device 5 〇 and remote authorization system. System 210, with a card reading device 50 And the biometric collector 60, through the remote authorization system 210 provided with the biometric database 215, the card reader device 50 and the personal identification information integration device 100
第9頁 200415902 丨 — 五、發明說明(6) 通訊線路,係藉由現行的電話線路(c〇nveiui〇nai telephone line communicati〇n)、網際網路 (internet)、區域網路(wan/lan)、無線區域網路 :LANj、專用線路(Lease ! ine)、以及無線藍芽 傳輸賁料,用以完成該持卡人身分辨識 ;:: Π =下:當消費者以***結帳時,商店7 = 上的持卡人資料。進行***刷卡 =條 徵收集,亦即攝影裳置,隨J = 組U〇之運算機制,將所摘取的生物特徵資: 持卡人生物特徵之生物特徵編碼,:中 鑑別裝置等;最後於傳於象口頁取裝置、聲曰波型 以及根據***20合併生物特徵編碼 整合訊息後,透過^訊線二^產生之請求授權驗證碼成為 統2 10進行驗噔俨權的牛 %达此整合訊息至遠端授權系 時,其會回覆、 驟;當遠端授權系統210確認無誤 原、本?送資==:=:;:石:,2有失=碼)給 力,是否為有效卡算笑.卡疋否具有湞費的能 有別於原先直接回覆福去^銷售點收到授權應變碼之後, 傳回本發明揭裝置5〇的路徑,•而代之的是先 再料至讀揭。路:2=^ 卩生物特徵處理模組η。所運算出眼前持卡人之 第10頁 200415902 五、發明說明(7) 生物特徵與生物特徵資料庫215所記錄之真正持卡人生物 特徵資料庫不同時,遠端授權系統210藉由回覆授權應變 碼(如交易失敗代碼訊息)’據以指示生物特徵處理模組 & 〇保留此持卡人之晝面’或者執行更進一步的應變功 =丄例^個人識別-資訊整合裝置10 〇會立即儲存原先擷取 自5|:吏用人之晝面,進而將此資料保留或轉成應變訊 】關警察單位以及保全公司備份存查,以利曰後 辦案的依循,以防堵盜刷情勢的發生。如果此俨用 之:傳則於本裝置‘收到:授 乂 俊除了奴即告知店貝泫卡驗證成功以利交县沾、隹 ^外’其個人識別資訊整合裝幻⑽會馬上進行初始化 ^係於清除上-筆影像檔案後回到等待操取晝面°前之動狀 韓帳同::持卡人以金融卡進行金融交易日夺,如提款以及 轉帳,持卡人於將金融卡***讀卡捉秋以及 AW,其讀取來自传用;如自動櫃員機 :置:近預先設置的生物特徵收集器,,亦即攝“卡 現卩針對其持卡人的臉部輪 ^、 Ϊ ::生物特徵資料轉換成同等具有該持卡’人生物特將: 編其中生物特徵收集丄ΐ 12。合併其生物特裝置最後㈣ 經由一般現行之加1 rJ、I以及金融卡磁條上的資料後,再 ^忿過程後,透過通訊線路(如區域網路 第11頁 200415902 五、發明說明(8) |>ar^lan)、無線區域網路(WLAN)、專屬線路(iease 及撥接網路(dialUP)發送至遠端授權系統21〇進行 驗=杈權的步驟;當遠端授權系統21〇確認無誤時,1會 權應變碼(即授權碼或交易失敗代碼)☆接收以及 否i ί ί、r原本發送資料的讀卡裝置50,告知其金融卡是 =接力’是否為有效卡等等;此處有別於原先 裝置50的路徑,取而代之的是先進行接收以 合SVofj 回本發明揭露所揭露的個人識別資訊整 a ™ ,,接者轉达置讀卡裝置5〇。當210判斷此交易 :目 盜用卡時,亦即生物特徵處理模組ιι〇所運算 特=料廑人之生物特徵與21 5所記錄之真正持卡人生物 :二貝枓庫不同_,遠端授權系統21〇根據 = 息),據以指示生物㈣ 处什奋此持卡人之畫面,或者執行更進一 ::信整合裝置100會立即儲存糊取 傳送到相關警察單或轉成應變訊息 的依循,防堵盜領情;用;案 二回:訊息屬於授權碼,則於個人識‘資訊!以’ 馬上進其個人識別資訊整合裝置_會 待操取晝…係於清除上一筆影像檔案後回到等 本發明亦揭露一種可以直接建構在現行具有資料儲存 第12頁 ‘ f 兄明(9) :體(如ic卡或磁條卡硬 置,藉以於持卡人端 D卡七用父易系統上之裝 「第3圖」,其晶片或二//身分真偽的機制’請參照 仏用卡的資料擷取 τ為用於日日片“用卡或傳統磁帶 以及儲存在***:的::同日守取得***的磁條資料 50與比對傳輪模組 生物特徵的編碼,其中讀卡裝置 (⑶nventlonal telenh間係猎由現仃的電話線路 網路(internet)、區域0= |lne ^_UnicaH〇n)、網際 (WLAN) . Π) ' 傳輸資料;當消費者要1 ne以及無線藍芽通訊協定 消費者的俨用卡插:::化用卡結帳時’商店店員隨即將 上的持卡人資料以及持卡人编:媒體 用卡刷卡的同時,商店中預卜徵、、扇碼。進行信 亦卽搖旦彡狀罢^ 中預先故置的生物特徵收集器60, 德 〜衣,通即針對其消費者的臉部輪廓進行臉部影 ,特徵的#1取’隨即透過生物特徵處理模組⑴之了運 : 匕將所擷取的生物特徵資料轉換成同等具有該持卡人生 特被之生物特徵編碼,其中生物特徵收集器60亦可以是 才曰紋影像擷取裝置、聲音波型鑑別裝置等,然後再盥芦用 卡内所儲存的真正持卡人生物特徵編碼,於比對傳輸模组 130内執行比對程序,如果比對結果符合,則此刷卡資料 於通過此道關卡後會如習知的***交易程序,將請求驗 證編碼透過通訊線路(如區域網路(wan/lan)、無線區域網 路(WLAN)、專屬線路(lease 1 ine)以及撥接網路 200415902 五、發明說明(ίο) (dialup))傳達至遠端授權系統21〇,然後再於遠端授權系 統2 1 0驗證疋否為其所發行之***以及帳務往來資料是 否核可等,然後再回傳;倘若比對結果不符合,個人識別 二貝ΐ整衣置10 〇會產生回覆訊息(如交易失敗代碼)回傳 至4卡衣置50,告知店員此***未通過驗證,並且執行Page 9 200415902 丨 — 5. Description of the invention (6) The communication line is based on the current telephone line (c〇nveiui〇nai telephone line communicati〇n), the Internet (internet), and the local area network (wan / lan ), Wireless local area network: LANj, dedicated line (Lease! Ine), and wireless Bluetooth transmission data to complete the identification of the cardholder ;: Π = Bottom: When the consumer pays with a credit card, Store 7 = cardholder profile on. Credit card swiping = collection of items, that is, photography set, with the calculation mechanism of J = group U0, the extracted biometric data: the biometric code of the cardholder's biometrics, the middle identification device, etc .; finally After passing on the Xiangkou page picking device, sound wave pattern and integrating the biometric code according to the credit card 20 to integrate the information, the request authorization verification code generated through the ^ message line ^ becomes the unit 2 10 to perform the verification right. This integrated message will reply to the remote authorization system when the remote authorization system 210 confirms that it is correct. Funding ==: =:;: Stone :, 2 lost = code) to force, whether it is a valid card is a smile. Whether the card has a fee can be different from the original direct response to the blessing ^ The point of sale receives authorization to respond After the code, the path of the device 50 of the present invention is returned, and instead, it is expected to be read first. Road: 2 = ^ 卩 biometric processing module η. Page 10 of the cardholder in front of the calculation 20042004902 V. Description of the invention (7) When the biometric database of the real cardholder recorded in the biometric database 215 is different, the remote authorization system 210 authorizes it by replying Contingency codes (such as transaction failure code messages) 'Based on instructing the biometric processing module & 〇 Keep this cardholder's daylight' or perform further contingency work = Example ^ Personal Identification-Information Integration Device 10 〇 会Immediately save the daytime data originally retrieved from 5 |: officials, and then retain or convert this information into emergency information] related to the police unit and security company for backup and investigation, in order to facilitate the follow-up of the case, to prevent theft of the situation occur. If this is used: pass it on this device 'received: In addition to the slave's notification, the store will notify the store that the card is successfully authenticated to benefit Lijiao County, and its personal identification information will be initialized immediately. ^ After clearing the last image file and returning to waiting for the daytime operation, the Korean account is the same as :: The cardholder uses the financial card to perform financial transactions on the day, such as withdrawal and transfer, the cardholder will The financial card is inserted into the card reader to catch Qiu and AW, and its reading comes from pass; for example, the ATM: set: near the pre-set biometric collector, that is, the card is now turned on the face of its cardholder ^ , Ϊ :: Biometric data is converted into a human biometric equivalent with the card holder: Compiled with biometric collection 丄 ΐ 12. Combine its biometric device at the end ㈣ Add 1 rJ, I, and financial card magnetic stripe After the information on the page, and after the ^ , process, through the communication line (such as the local network page 11 200415902 V. Invention Description (8) | > ar lan), wireless local area network (WLAN), dedicated line (iease And dial-up network (dialUP) to the remote authorization system 21 Perform the verification = right step; when the remote authorization system 21 confirms that it is correct, 1 will respond to the response code (that is, the authorization code or transaction failure code) ☆ receive and whether i ί, r the card reader device that originally sent the data 50 , To inform whether its financial card = relay is a valid card, etc .; here is a path different from the original device 50, and instead it is first received in order to comply with SVofj. , The recipient relayed the card reading device 50. When 210 judges this transaction: when the card is stolen, that is, the biometric processing module ιι〇 is calculated = the biological characteristics of the material person and the true record recorded in 21 5 Cardholder creature: The two banks are different_, the remote authorization system 21 (according to the information), instructs the creature to deal with the cardholder's picture, or execute the next step :: the letter integration device 100 will save immediately Obtain the follow-up sent to the relevant police list or turn it into a contingency message to prevent the theft of conviction; use; Case 2 back: the message belongs to the authorization code, then the personal information is identified by the "!" Waiting for the day ... After clearing the previous image file and returning to the present invention, the present invention also discloses a method that can be directly constructed on the existing data storage page 12 'f Brother (9): the body (such as an ic card or a magnetic stripe card is hard-mounted for the cardholder The “Diagram 3” of the D-card 7-use parent-easy system, the chip or the 2 // identity authenticity mechanism, please refer to the data of the use card to extract τ for use in Japanese-Japanese films. Magnetic tapes and credit cards stored on the same day: The same day Shou obtains the magnetic stripe data of the credit card 50 and the code of the biometrics of the transfer module, in which the card reader (CDnventlonal telenh) ), Area 0 = | lne ^ _UnicaHon), Internet (WLAN). Π) 'Transfer data; when consumers want 1 ne and wireless Bluetooth protocol consumers ’card ::: The accountant's store clerk will then go to the cardholder information and cardholder series: while the media uses the card to swipe the card, the store will predict the sign, fan code. The pre-installed biometric collector 60 in the letter is also shaken, and the face shadow is based on the contour of the consumer ’s face. The # 1 feature of the feature is then transmitted through the biometric feature. The processing module is out of luck: The captured biometric data is converted into a biometric code that also has the unique characteristics of the card holder. The biometric collector 60 can also be an image capture device and sound. Wave type identification device, etc., and then use the biometric code of the real cardholder stored in the card to execute the comparison procedure in the comparison transmission module 130. If the comparison result is met, the card swipe data is passed here After the checkpoint, it will pass the request verification code through communication lines (such as local area network (wan / lan), wireless local area network (WLAN), dedicated line (lease 1 ine), and dial-up network, as in the conventional credit card transaction process. 200415902 Fifth, the invention description (ίο) (dialup)) was transmitted to the remote authorization system 21〇, and then the remote authorization system 2 10 verified whether the credit card issued by it and the transaction information of the account were approved, etc. If the comparison result does not match, the personal identification of Erbeiyi will be sent to 10 〇 will generate a reply message (such as a transaction failure code) to 4 card Yishui 50 to inform the clerk that the credit card has not been verified, and carried out
Jit能將持卡人晝面儲存,並且產生交易紀錄訊息傳輪 〗遂端授權系統21 〇,通知金融機構風險管理中心,告知 二2亡ί取必要之再確認與圍堵複製卡或盜刷卡的行動。 w樣一來,驗證的機制將更簡易完善, 及紀錄將無所遁形。 w幻綠疑人物以 接建Ξ:ΐ發::揭露之個人識別資訊整合裝置亦可以直 偽的機制,亦請參照「第、Ί持卡人身分真 ,卡人專屬的生物特徵編碼/而貝讀 員細),=二;;;; =搁取裝置(如自動檀 晶片上的個人生物特 ;1::::資:以及錯存在 提=帳時,持卡人隨即將口 2行如 订金嗞卡交易的同時,並 入項卡裝置50,進 特徵收集器6〇,亦即攝影穿衣二5〇附近預先設置的生物 輪廓進行臉部影像特徵的揭取,ϋ十對其持卡人的臉部 組U0之運算機制,將所擷取思透過生物特徵處理模 具有該持卡人生物特徵之生物特二特:資料轉換成同等 _ ^、、扁碼,其中生物特徵收 第14頁 200415902 五、發明說明(π) =6 0亦可以疋指紋影像擷取裝置、聲音波型鑑別裝置 再與***内所儲存的真正持卡人生物特徵編 於比=傳輸模組! 3〇内執行比對,如果比對結果符 1 Ϊ卡資料於通過此道把關後會如習知的金融卡交 Ϊ Ϊ ^21 0 ^ ^ ^ #^ #f ^ ^ # f ^ ^ ^ ^ « 、、 ,尚右比對結果不符合,個人識別資tfL I入f =?_生:/:/(如交易失敗心 Ϊ:*Ϊ:Ϊ卡未通過驗證,並且執行應變功能將持 21〇心:二,且傳輸父易紀錄訊息到遠端授權系統 21 〇 口知金融機構風險管理中 ,與圍堵複製卡或盜領的行動通取二 制將m’盜領的嫌疑人物以上:無 直接ΞΪ在ί::斤揭露之個人識別資訊整合裝置亦可以 巧體端驗證身分真偽的機制,亦請參:置猎以貝料儲! 端資料儲存媒體90上係已儲存使 = 圖」,,、退 碼’當使用者進入網際網路進行屬,物特徵編 其使用人的臉部輪廓進行二::攝影裝置,隨即針對 生物特徵處理模組110之運管機:特:的擷取,隨即透過 資料轉換成同等具有該使用人物將所擷取的生物特徵 其中生物特徵收集器60亦可以a 徵之生物特徵編碼, 波型鑑別裝置#,然後再盥資影像擷取裝置、聲音 、貝枓儲存媒體所儲存的真正使 五、發明說明(12) 2 it4】徵編碼’於比對傳輸模組130内執行比對,如 禾比對么士罢技人 χ 網際網:交Ιί序則此識別資料於通過此道把關後會進入 叙來Ϊ L卜若本發明應用於金融卡交易系統時,—般之自 穿11 ,由於自動樞員機並無人看管,此時若持卡人 ==器=為攝影裝置時,將無法擷取到正常之生: 恭 ' , U,右無法擷取到正常之生物特徵資料,本 =揭f之個人識別資訊整合裝置!。因無正常之生物; ^二枓,無法經由生物特徵處理模組11〇進行運算,自费特 益人就無法通過遠端授權系統21〇的驗證授權步而 無法完成交易;而這樣的情況可能會有兩冑,第一,持而 Ϊ : 2 f :卡確實為偽卡或盜用卡,因怕被認出而故意穿 =全帽或口罩,第二,持卡人因臨時緊急而忘了脫掉: 二il及口罩,上述的第—種情況,因無法揭取到正常之生 ::徵資料,持卡人即無法使用偽卡Jit can store cardholders on a day-to-day basis and generate transaction records and message transfers. The authorization system 21 〇 will notify the financial institution's risk management center to inform the second and second deaths to take necessary reconfirmation and contain duplicate cards or stolen cards. Action. In this way, the verification mechanism will be simpler and better, and the records will be lost. wSucceeding with green suspects: ΐ 发 :: The mechanism for revealing the personal identification information integration device can also be directly fake, please also refer to "the first, the cardholder's identity, the cardholder's unique biometric code / and (Reader's note), = two ;;;; = holding device (such as a personal biometric on the automatic sand chip; 1 :::: capital: and when there is a wrong account = card, the cardholder will immediately mouth 2 lines For example, at the same time as the deposit card transaction, the card device 50 is integrated into the feature collector 60, that is, the pre-set biological contours near the photography dress 50 are used to extract facial image features. The calculation mechanism of the cardholder's face group U0 will convert the captured biometrics that have the cardholder's biometric characteristics through the biometric processing module: the data is converted into equivalent ^ ,, and flat codes, where the biometric characteristics come first. 14 pages 200415902 V. Description of the invention (π) = 6 0 You can also use the fingerprint image capture device, the sound wave identification device and the real cardholder biometric characteristics stored in the credit card. The ratio = transmission module! 3〇 Perform internal comparison. If the comparison result is 1, the card information is passed here. After the check, it will be delivered as a conventional financial card Ϊ ^ 21 0 ^ ^ ^ # ^ #f ^ ^ # f ^ ^ ^ ^ ^ «、 , , ^ ^ ^ The result of the comparison does not match, the personal identification information tfL I 入 f = ? _ 生: /: / (If the transaction fails: Ϊ: * Ϊ: Ϊ The card has not been verified, and the contingency function will be performed 21: 2, and the parent easy record message is transmitted to the remote authorization system 21 〇 In the risk management of financial institutions, the two systems of access to copy cards or stolen collars will allow the suspected m 'stolen collars to be above: None of the personal identification information integration devices exposed directly at ί :: jin can also be smart. The mechanism for verifying the authenticity of the identity, please also refer to: Store hunting to store materials! The data storage medium 90 on the end is stored so that the map = "", and the code is returned when the user enters the Internet for property and feature editing It uses a person's face contour to perform two: a photographic device, and then the biometric processing module 110's management machine: special: capture, and then through data conversion to have the same biological characteristics captured by the person using it Among them, the biometric collector 60 can also be a biometric code of a sign, and a wave shape identifying device. # , Then the real image stored in the image capture device, sound, and storage media. V. Description of the invention (12) 2 it4] Encoded code to perform comparison in the comparison transmission module 130, such as Wobi Yes, the striker χ Internet: Intermediate sequence: This identification information will enter the Syria after passing the gate. L. If the present invention is applied to a financial card transaction system, it is usually self-wearing11. The cardinal plane is unattended. At this time, if the cardholder == device = is a photographic device, normal life cannot be retrieved: Christine ', U, right, normal biometric data cannot be retrieved. f personal identification information integration device !. Because there are no normal creatures; ^ Second, it is impossible to perform calculations through the biometric processing module 11o, and since the Federated person cannot pass the verification and authorization step of the remote authorization system 21o, the transaction cannot be completed; and such a situation may There are two 胄, first, holding Ϊ: 2 f: The card is indeed a fake card or a stolen card, deliberately wearing = full hat or mask because of fear of being recognized, and second, the cardholder forgot to take off due to a temporary emergency Drop: Two il and masks, the first case mentioned above, because it is impossible to retrieve a normal life :: Collect information, cardholders cannot use fake cards
發明之功能,但上述第二種情況,持卡人因臨時緊急S ;ί Ϊ f全帽t:罩’在交易無*完成之情況τ,、持卡人 ^會想制來忘了脫掉安全帽或σ罩, i口罩後再次=可完成交易,然而既然是因為臨時; 急之狀況,若無法事先辨認,將會诰赤 ^ y 擾;當然同樣的困擾也會發生在以指%二二,卡人的困 生物特徵收集器60的方式,譬如持操取裝置作為 讓生物特徵收集器6 0正確地擷取到生你 /手套 亦…法 切符徵資訊。 五、發明說明(13) 更包括一辨識模m路Λ個人>識別資訊整合裝置10,其 與生物特徵收集器6〇及生物y;拉組,辨識模組150係 連接至警示模組17〇,立,徵處理板組110連接,並再 6〇為攝影裝置,並且事:/在|如所設置之生物特徵收集器 持卡人穿戴安全帽或口看管之自動櫃員機時’當 不完整或不清晰之臉部於产t,t物特徵收集器6〇將操取到 此一不办敕 p輪靡’此時辨識模組1 50接收到了 錯誤吨7 2 1 ••二/之生物特徵資訊,將即刻傳遞一辨識 錯决Λ息至警不模組丨7〇,邈 擴音器可以内建一段語音^自不松組170可以為一擴音器, 的安全帽或口罩再進入自動;^譬如是”您好’請脫掉您 無法對您進行辨;進二,,者是,,您好,我們 無法遂行其犯罪行為果此而^持卡人係 =偽卡或是盜領,將 息後即可先將安全帽或4m真正時,到語音訊 特徵資料傳遞至生物特徵處;=:二辨識模組15:將生物 交易。 里楱組11 0,進而順利的完成 上述的警示模組1 了 〇亦 社 ^ 口 如當語音訊息連、續播放三次後°,s有蜂鳴器或警報器,口譬 時,即可觸蜂鳴器或邀報g 、卡人仍進入自動櫃員機 圖之比對傳輸模組m) i =整合模組120 (或是第3 使遠端授權系統21。獲得此=至遠端授權系統21° ’來 訊息後,作出即刻的通報,The function of the invention, but in the second case above, the cardholder is in a temporary emergency S; Ϊ Ϊ f full hat t: cover 'in the case that the transaction is not completed *, cardholder ^ will want to make it and forget to take off Hard hat or sigma mask, i mask = can complete the transaction again, but since it is temporary; in an emergency, if it cannot be identified in advance, it will be ^ y disturbed; of course, the same trouble will also occur in %% Second, the way of the stuck person's trapped biometric collector 60, such as holding the operating device as a way for the biometric collector 60 to correctly capture the birth information / gloves ... V. Description of the invention (13) It further includes an identification module m, a person > identification information integration device 10, which is connected to the biometric collector 60 and the biological y; the pull group, the identification module 150 is connected to the warning module 17 〇, stand up, levy processing board group 110 is connected, and then 60 is a photographic device, and things: / in | as set up biometric collector cardholder wearing a hard hat or mouth care ATM 'when incomplete Or the unclear face is produced, and the t-characteristics feature collector 60 will not do anything about it. It will take a while. 'At this time, the recognition module 1 50 has received an incorrect ton 7 2 1 •• 二 / 的 生物Characteristic information will immediately pass a recognition error message to the police module 丨 70, 邈 loudspeaker can be built in a piece of voice ^ Since the Buxun group 170 can be a loudspeaker, hard hat or mask re-enter Automatically; for example, "Hello", please take off and you ca n’t discern you; go to the second, or, hello, we ca n’t perform its criminal act. ^ Cardholder = fake card or theft Collar, after passing the breath, you can first transfer the helmet or 4m real voice feature data to the biometric feature =; Two identification modules 15: Biological transactions. Li group 11 0, and then successfully completed the above warning module 1 亦 也 社 ^ 口 如 When the voice message is connected and played three times, °, s has Buzzer or alarm, you can touch the buzzer or invite the report when the mouth, for example, the cardholder still enters the ATM map comparison transmission module m) i = integrated module 120 (or the third remote Terminal authorization system 21. Get this = go to the remote authorization system 21 ° 'After making a message, make an immediate notification,
第17頁 200415902 五、發明說明(14) 防止持偽卡或盜領之情形發生。 以上所述者’僅為本發明其中的較佳實施例而已,並 ^用來限疋本發日月的實施範圍;譬如本發明上述之具體實 設計轉式設計'然固定式的收納殼體 作的均等變化與修飾,比 〒明寻利乾圍所 白為本I明專利範圍所涵蓋。Page 17 200415902 V. Description of the Invention (14) Prevent the situation of holding a false card or theft. The above-mentioned 'are only the preferred embodiments of the present invention, and are used to limit the implementation scope of the present day and month; for example, the specific practical design of the invention described above, the fixed design of the storage case The equal changes and modifications of the work are covered by the patent scope of the Ming Dynasty.
第18頁 圖式簡單說明 1 露習知磁條卡 — Z卡Λ明所揭露個人識別資二整人h 第3:Λ機制之***架構圖; 4置應用於現行 系d圖係本發明所蔣雨y 晶片卡交易機制之^路固人識別資訊整合裝置應用於現行 第4同乂糸統架構圖; 夺圖係本發明所揭兩 _ 系統架構圖;^"路人識別資訊整合裝置另一實施例 ;5:二發明及所揭露個人識別資訊整合裝置又-實施例 系統圖架,冓本圖發明所揭露個人識別資訊整合裝置再-實施例 【圖式符號說明】 50 60 讀卡裝置 8〇 生物特徵收集器 9〇 指紋特徵收集器 1〇〇 貧料儲存媒體 個人識別資訊整合裝置 生物特徵處理模組 傳輪整合模組 比對傳輸模組 辨識模組 警示模組 遠端授權系統 生物特徵資料庫 第19頁Brief description of the drawings on page 1 1 Demonstration magnetic stripe card — Z card Λ Ming reveals the personal identification information of the whole person h 3: system architecture diagram of Λ mechanism; 4 sets are applied to the current system d. Jiang Yuy ^ Luguren identification information integration device for chip card transaction mechanism is applied to the current 4th peer architecture diagram; the picture is the two disclosed in the present invention _ system architecture diagram; ^ " passer identification information integration device another One embodiment; 5: Two inventions and disclosed personal identification information integration device-the embodiment of the system diagram, as shown in the figure of the personal identification information integration device disclosed in the present invention-another embodiment [illustrated symbol description] 50 60 card reader 80 Biometric Collector 90 Fingerprint Feature Collector 100 Poor Material Storage Media Personal Identification Information Integration Device Biometric Processing Module Wheel Integration Module Comparison Transmission Module Identification Module Warning Module Remote Authorization System Biological Feature Library 第 19 页
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TW92133477A TW200415902A (en) | 2003-11-28 | 2003-11-28 | Personal identification information integration device |
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Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN102509400A (en) * | 2011-11-04 | 2012-06-20 | 杭州中正生物认证技术有限公司 | Fingerprint fixed-line phone network payment terminal, and system and method based on fingerprint fixed-line phone network payment terminal |
TWI403985B (en) * | 2010-03-17 | 2013-08-01 | Inventec Appliances Corp | An anti-theft system and a method for portable electronic devices |
TWI508007B (en) * | 2012-04-13 | 2015-11-11 | King Hei Kwong | Secure electronic payment system and process |
TWI709100B (en) * | 2019-08-30 | 2020-11-01 | 兆豐國際商業銀行股份有限公司 | Transaction management system |
-
2003
- 2003-11-28 TW TW92133477A patent/TW200415902A/en unknown
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
TWI403985B (en) * | 2010-03-17 | 2013-08-01 | Inventec Appliances Corp | An anti-theft system and a method for portable electronic devices |
CN102509400A (en) * | 2011-11-04 | 2012-06-20 | 杭州中正生物认证技术有限公司 | Fingerprint fixed-line phone network payment terminal, and system and method based on fingerprint fixed-line phone network payment terminal |
TWI508007B (en) * | 2012-04-13 | 2015-11-11 | King Hei Kwong | Secure electronic payment system and process |
TWI709100B (en) * | 2019-08-30 | 2020-11-01 | 兆豐國際商業銀行股份有限公司 | Transaction management system |
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