201019692 六、發明說明： 【發明所屬之技術領域】 : 本發明與行動電話的技術有關，尤其涉及一種 能整合指紋辨識功能與自動提款機（ATM)功能的行 動電話。 【先前技術】 傳統的電子交易統，例如提供提款及轉帳服務 ⑩ 的ATM機器，會要求一使用者直接輸入代表其身份 的資料，例如一組密碼，以便身份驗證。然而，在 輸入該密碼的過程，該密碼有可能易被旁人看到及 記錄，或者是被用非法電子裝置予以盜錄。再者， 該密碼有可能被人竊取及盜用。此外，使用者需要 攜帶金融卡，並記憶該密碼，也常發生密碼輸入錯 誤的情形。從而可知，這種要求使用者輸入身份驗 ® 證資料的方式，其安全性及便利性都很低。 台灣發明565786號專利案揭露一電子交易系 統中有一攜帶型電子授權裝置及一請求裝置。該請 求裝置可能是一 ATM機器，且能夠使用紅外線傳輸 方式來傳送一交易請求給該攜帶型電子授權裝置。 此交易請求係與一建議交易有關。一使用者可在該 請求裝置上的螢幕、該攜帶型電子授權裝置上的螢 201019692 ； 幕檢閱與該建議交易有關的資料。該使用者也可利 ； 用該攜帶型電子授權裝置上的開關來表明其核准或 不核准該交易請求。該攜帶型電子授權裝置會在該 使用者的表明核准該交易請求時，傳送包含該使用 者身份資料之一核取訊息給該請求裝置。此核取訊 息是經過加密的。 在該565786號專利案中，由於交易的核准是完 ❹ 全發生在該攜帶型電子授權裝置内，因此，可避免 請求裝置中（ATM機器）需要身份資料。另一個好處 疋，驗證交易所用的使用者身份資料可能更複雜且 更詳盡，以便確保最大安全性，例如使用者身份資 料可能比簡單的密碼更複雜，並且可包括使名稱、 生日、社會福利號碼、或其它唯一生物測定資料或 唯一識別資料（諸如指紋、DNA編碼序列、聲紋等 φ 等）的任一項。 該565786號專利案也提及使用該攜帶型電子 授權裝置從-ATM機器提款一筆金額，並提及該攜 帶型電子授權裝置可内建在_行動電話當中，以及 該攜帶型電子授權裝置上有一使用者驗證機構。該 使用者驗證機構㈣於要求使用者輸人的密碼，提 供指紋或聲紋，並在收到之後才啟動該攜帶型電子 授權裝置。 201019692 在該565786號專利案中，該 置雖能傳送諸如指紋等生物特:的使 =請求裝置，但這將導致該請求裝 外建置能夠辦識該生物特徵的辨識系統，這=力額 成本。另外，該請求裝置也需要求其客戶事心立 其生物特徵供日後辨識之用，但這涉及個人障私，201019692 VI. Description of the Invention: [Technical Field of the Invention]: The present invention relates to the technology of a mobile phone, and more particularly to a mobile phone capable of integrating a fingerprint recognition function and an automatic teller machine (ATM) function. [Prior Art] A conventional electronic transaction system, such as an ATM machine that provides a withdrawal and transfer service 10, requires a user to directly input information representing his or her identity, such as a set of passwords, for authentication. However, in the process of entering the password, the password may be easily seen and recorded by others, or may be stolen by illegal electronic devices. Moreover, the password may be stolen and stolen. In addition, the user needs to carry the financial card and memorize the password, and the password input error often occurs. Therefore, it is known that the way in which the user is required to input the authentication certificate data is low in security and convenience. Taiwan Patent No. 565,786 discloses an electronic transaction system having a portable electronic authorization device and a request device. The requesting device may be an ATM machine and capable of transmitting a transaction request to the portable electronic authorizing device using infrared transmission. This transaction request is related to a proposed transaction. A user can view the information related to the proposed transaction on the screen on the requesting device, the firefly on the portable electronic authorization device 201019692; The user may also use the switch on the portable electronic authorization device to indicate that the transaction request is approved or not approved. The portable electronic authorization device transmits a message including the user identity information to the requesting device when the user indicates the approval of the transaction request. This verification message is encrypted. In the 565786 patent case, since the approval of the transaction is completely within the portable electronic authorization device, it is possible to avoid the need for identity information in the requesting device (ATM machine). Another benefit is that verifying the user identity data used in the transaction may be more complex and detailed to ensure maximum security, such as user identity data may be more complex than simple passwords, and may include name, birthday, social welfare Any number, or other unique biometric data or unique identification material (such as fingerprints, DNA coding sequences, voiceprints, etc.). The 565786 patent also mentions the use of the portable electronic authorization device to withdraw an amount from the -ATM machine, and mentions that the portable electronic authorization device can be built in the mobile phone and on the portable electronic authorization device. There is a user verification agency. The user authentication authority (4) provides a fingerprint or voiceprint on the password that the user is required to input, and activates the portable electronic authorization device after receiving it. 201019692 In the 565786 patent case, the device can transmit a request device such as a fingerprint, but this will cause the request to be externally configured to recognize the biometric identification system. cost. In addition, the requesting device also needs to ask its customers to set their biometrics for later identification, but this involves personal disability.
且所登錄的生物特徵也有外_風險。U此，這種 作法很難商業化地推廣。 台灣發明郎62〇號專利案揭露—種可藉由指 紋辨識驅動快捷功能的應用裝置。該應用裝置連接 一電腦裝置’且具有—指紋輸人模組、—指纹辨識 模組、一預先建立的指紋—功能鍵對應表、以及一 控制模組。該指紋輸入模組及指紋辨識模組可接收 及辨識一使用者指紋。該控制模組可根據該指紋辨 識模組的辨識結果及該指紋一功能鍵對應表，找到 該使用者指紋所對應的功能鍵，並驅使該電腦裝置 產生對應該功能鍵的快捷功能。然而，這個應用裝 置並沒有提供電子交易方面的功能或教導。 【發明内容】 本發明之主要目的在於提供一種能與一電子交 易裝置進行交易的行動電話。該行動電話具有一生 201019692 物特徵輸入單元，且能提供一交易設定模式及一交 易進行模式供一使用者選用其中一者。當該行動電 話處於該交易設定模式下，一使用者可透過該生物 特徵輸入單元建立對應其生物特徵之一特徵資料， 然後將該特徵資料與一驗證資料配對地儲存於該行 動電話中。當該行動電話處於該交易進行模式下， 該使用者可透過該生物特徵輸入單元輸入前述的生 物特徵，然後，該行動電話會根據與該生物特徵相 對應的特徵資料，找出相對應的驗證資料，並且將 該驗證資料傳送給該電子交易裝置進行驗證。該電 子交易裝置一旦驗證該驗證資料無誤，隨即展開一 系列的交易程序，這些交易程序的執行過程，會被 顯示在該行動電話上的榮幕。 較佳地，該電子交易裝置係一 ATM裝置。該生 物特徵係一指故。該驗證資料包括對應一金融卡之 一交易密碼，或進一步包括對應該金融卡之一銀行 帳號。 相對於先前技術，在本發明中的電子交易裝置 仍然負責交易核准之驗證工作，並仍負責執行隨後 展開的交易程序。比較特別的是，本發明之行動電 話所提供的交易設定模式，能讓使用者設定多組生 物特徵一對一地對應多組驗證資料。因此，透過該 201019692 ： 行動電話，使用者能使用本身不 ·.行不同的電子Η驗證，以的生物特徵來進 :不需要在提供該電子交易的=一電子交易’完全 碼或帳號等驗證資料。父易裝置上輸入密 將明之行動電話的好處在於使用者僅需 :動：：生物特徵輸入該行動電話，就能夠驅使該 話將相對應的驗證資料傳送給能提供一電子 參 父易裝置，以促使該電子交易裝置提供一電子交易 =因Γ使用者完全不需要記憶任何密碼或帳 ^碼㈣輸人任何驗證轉職電子交易 裝置。 本發明的另一個好處在於使用者是在自己的行 動電話上建立生物特徵，所以隨時可以刪除或變更。 〇 再者’在本發明中負責提供交易服務的電子交 f裝置’仍然使用傳統的密碼驗證方式來確認交易 是否展開，所以不需要建立生物特徵建立暨辨識系 統’當然也不需要求: 而受八吝戶在建立帳戶時留下生物特 徵。另外該電子交易裝置從該行動電話實際收到的 驗證資料並不是客戶的生物特徵。這可確保客戶不 會有生物特徵外洩的情形發生。 目此’本發明提供了進行電子交易上的便利性 及安全性。 201019692 至於本發明的更詳細技術内容，將揭露於隨後 的說明。 【實施方式】 第一圖顯不由本發明之一電子交易裝置1鱼一 行動電話2所構成的電子交易系統。該電子交易裝 置1較佳為一具有提款及轉帳功能的atm裝置，也 _ 可以疋支援仏用卡/金融卡交易的自動販賣機，例 如自動售票機。該行動電話2可以用具有行動通信 功能的個人數位助理（PDA)或其它可攜式通訊裝置 來取代。 該電子交易裝置1包括一服務端交易單元1〇、 一服務端通信單元n、以及一驗證單元12。該服務 端交易單it 10被配置成能提供一交易服務，例如提 參款交易服務及轉帳交纽務，這些服務的内容包括 ^求輸入提款金額或轉帳金額、根據輸人結果進行 提款或轉帳處理、以及根據處理結果列印收據等 等。該服務端通信單元n係被配置成能與該行動電 話2構成無線通信連接，用以接收來自該行動電話 2之：驗證資料。該驗證單元12被配置能經由該服 務端通L單7〇 11接收該驗證資料，並在驗證該驗證 資料無誤之後，通知該服務端交易單元1G提供-交 201019692 易服務。此外，該驗證單幻2 4能接收及驗證一使 用者經由該電子交易裝置1的鍵盤或觸控式榮幕 (圖中未示出）而直接輸人的驗證資料，也能讀取及 驗證由該電子交易裝U所屬經營者發行給該使用 者的金融卡及***。 參 ❹ 、該行動電話2具有許多呈現結構的功能模 式供人選用’例如電話薄模式、電子遊戲模式、藍 牙設定模式、行事収定模式、網路設定模式、通 5叹疋模式、照像模式、攝影模式·.·等等。這些模 =大致上是由内祕該行動電話2的應用程式控 」產生的。比較特別的是，該行動電話2還被進一 二置成具有一交易設定模式及一交易進行模式。 :::動電話2經由一使用者操作而進入該交易設 疋模式時，該使时可將相對應之—驗證資料及一 = 寺徵建立於該行動電話2内。當該行動電話2 :由該❹者操作或被外來信朗發而進入該交易 進行模式時，該㈣者讀人該生物魏，以促使 ^行動電話2將對應該生物特徵的驗證資料傳送給 其：：父易裝置卜此二模式的產生方法較佳是將 ，、σ在用於提供前述的應用程式内。 該行動電話2包括一生物特徵輸入單元2〇、一 儲存單元2卜—狀單元22、-通信單元23、一 201019692 比對模組24、一夺且处Λ 乂易確涊模組25、一交易模組26、 及一顯示單元27。其中·· k生物特徵輸人單元2Q被配置成能接收一使 用者所輸人的生物特徵，及根據該生物特徵運算產 =相對應之-特徵資料。這可選用現有指紋辨識套 件0 ❹ ❿ 儲存單& 21是料儲存—些制者資訊及 設定資訊’例如電話薄的内容、通話設定的内容。 上述的應用程式也用於儲存於此。比較特別的是該 儲存单元21還被配置成能儲存-或多筆驗證資料 及一或多筆特徵資料’任—驗證資料係-對-地對 應-筆特徵資料。任―特徵資料均—對—地對應該 使用者之—生物特徵，例如姆指指紋、食指指紋、 中“、、文·.等等。較佳地，任一驗證資料包括對應 由-銀行所發行之-金融卡的交易密碼，或對應一 金融卡之—交易密碼與銀行帳號之組合。較佳地， 可在該儲存衫21内建立—資料表（taMe)來儲存 該t貝料，如第二圖所示。也可以使用皿文件、 或其它能呈絲格形式的電子文件，例如純文字文 # C.txt)，Microsoft Word . ^ Microsoft Excel文件，來取代該資料表。 請再參閱第-圖，該設定單元22，包括用於輸 11 201019692 : 入資料之一鍵盤或是-觸控螢幕，以及-些用於協 • 助㈣者輸人資料的人機操作介面，例如協助建立 _祕記㈣電話薄的介面或狀ϋ話功能的介 面。适些人機操作介面是由上述應用程式所控制產 生的。較特別的是該設定單元22還包含一交易資料 設定介面220。該交易資料設定介面22()係被配置 《能在該交易設定模式下，要求該使用者輸入一驗 ❹ 證㈣及對應該賴資料之-生物特徵，並在收到 該驗證資料及對應該生物特徵的特徵資料之後，將 兩者以能夠相對應之方式儲存於該儲存單元21，例 如將些負料儲存於上述的資料表中。其中，該交易 資料設定介Φ 220的產生方法較佳是整合於上述的 應用程式。 該通信單元23是用來提供行動通信服務’包括 ⑩ 通話及簡訊服務。比較特別的是，該通信單元23 還包含一交易通信模組230。該交易通信模組23〇 被配置成能在該交易進行模式下，與該電子交易裝 置1構成無線通信連接。較佳地，該交易通信模組 230與該電子交易裝置！之間的無線通信方式，可 選擇性地採用藍芽通信、行動電話通信、無線射頻 通信、紅外線通信等等方式， 該比對模組24係被配置成能在該交易進行模 12 201019692 ; 式下，從該生物特徵輸入單元20接收一特徵資料， : 及從該儲存單元21的資料表中搜尋出對應該特徵 資料的驗證資料。該比對模組24較佳是整合於上述 的指紋辨識套件中。 該交易確認模組25係被配置成能在收到來自 該比對模組24 ?的驗證資料之後，經由該交易通信模 組230傳送包含有該驗證資料的訊息給該電子交易 ^ 裝置1。 該交易模組26係被配置成能在收到來自該電 子父易裝置1之一核准回應之後，要求該使用者輸 入與一交易有關的資料，並經由該交易通信模組 230傳送與該交易有關的資料給該電子交易裝置 1，及從該電子交易裝置1接收與該交易有關的資 料。 © 該交易確認模組U與該交易模組26都能使用 軟體手段予以實現，且該軟體手段較佳是整合於上 述的應用程式。 該顯不單兀27,係用於顯示資訊，該資訊包括 與行動通信服務有關的資料畫面、各種設定功能有 關的資料晝面、與該交易有關的資料晝面等等。 以下說明一使用者透過該行動電話2與一自動 提款機，即該電子交易裝置i，進行一提款交易的 13 201019692 -· 過程。轉帳交易過程與此類似，容不贅述。 • 首先，該使用者將該行動電話2設定在該交易 進订模式下’錢該行動電話2的交易通信模組230 與^電子交易裝置1的服務端通信單元11構成無線 通L連接。此時，該行動電話2的顯示單元27的榮 幕上會顯示通信連接完成的晝面。然後該電子交易 置1胃要求該使用者***一金融卡，此時，該行 參 動電話2㈣幕會顯示要求插人該金融卡的畫面。 接著，該使用者將該金融卡***該電子交易裝 置1’使得該電子交易裝置1繼續要求該使用者輸 入對應該金融卡之一交易密碼。此時，該行動電話 的螢幕上會接著顯示要求輸入該交易密碼的畫 面。 …該使用者利用該行動電話2上的生物特徵輸入 ❹ 單兀20輸入對應該金融卡的生物特徵。例如該使用 者的食指指紋。此時，該生物特徵輸入單元20會將 該生物特徵轉換成相對應之—特徵資料，並將該特 徵資料傳送給該比對模組24。參考第二圖所示的資 料表，其中對應食指指紋的特徵#料錢應* * * 709147的二元碼。 該比對模組24會根據從該生物特徵輸入單元 2〇收到的特徵資料’查詢該資料表，藉以找出對應 14 201019692 ; 該特徵資料之一交易密碼，即k5h79* *，並將讀 交易密碼傳送給該交易確認模組25。 該交易確認模組25 —收到來自該比對模組24 的父易密碼之後，即經由該交易通信模組23〇傳送 包含有該交易密碼的訊息給該電子交易裝置i。 該電子交易裝置1的驗證單元12經由該服務端 通4單το 11收到該訊息之後，即會對其中的交易密 ❿ 碼進行魏處理’並在驗證無誤之後，經由該服務 端通信單元U傳送-核准回應給該行動電話2。此 核准回應表示該電子交易裝置1已經同意該使用者 由，行動電話2’向該電子交易裝置i的服務 端父易單元10要求提供一提款交易服務。 該交易模組26 一收到該核准回應之後，即會要 求該使用者輸人與該提款交易㈣的資料，例如提 •款金額’此時該行動電話2的螢幕上會顯示要求輪 入提款金額的畫面。該交易模组26 一收到該提款金 額之後，就會經由該交易通信模組23〇傳送與對應 該Φζ欢金額的資料給該電子交易裝置1。 該電子交易裝置！的服務端交易單元1〇經由該 服務端通信單元11收到此資料之後，即展開一系列 =款=包括輸出對應的紙幣及列印提款收據 等等°在元成這些處理之後，該電子交易裝置i會 15 201019692 ;7該服務端通信單元u傳送與該交易有關的資 : 料給該㈣電話2，例如交易完通知、餘額顯示等 、貝料’該行動電話2的交易模組26會經由該這些資 ;斗會差由該交易通信模組23〇接收這些資料，並且 將之顯示在該行動電話2的榮幕上。 從上述的說明可知，該使用者只需要透過該行 動電話2輸人其某—生物特徵，就可以與該電子交 ❹ 易裝置1凡成一筆交易。該使用者無需記憶密碼、 也=需進行密碼操作。在上述的驗證資料包括一交 易街碼及—銀行帳號的情形下，該使用者甚至不用 ***金融卡的動作。111此，本發明顯然絲增加電 子父易上的便利性與安全性。 再者該使用者是在自己的行動電話上建立生 物特徵，所以隨時可以刪除或變更。 ® 又該電子交易裝置1仍然使用傳統的密碼驗證 ，弋所以不需要建立生物特徵建立暨辨識系統， 當然也不需要求客戶在建立帳戶時留下生物特徵。 另外，該電子交易裝置丨從該行動電話2實際 收到的驗證資料並不是使用者的生物特徵^這可確 保使用者不會有生物特徵外洩的情形發生。 無論如何，任何人都可以從上述例子的說明中 獲得足夠教導，並據而了解到本發明確實具有產業 16 201019692 ❿ 上之利用性及進步性，且本發明在同一領域中均未 見有相同或類似技術揭露在先而具足有新穎性，是 本發明確已符合發明專利要件，爰依法提出申請。 17 201019692 【圖式簡單說明】 / 第一圖顯示本發明系統較佳例子的方塊圖。 ； 第二圖顯示内建在本發明之行動電話中的資料表。 【主要元件符號說明】 10服務端交易單元 12驗證單元 2 0生物特徵輸入單元 22設定年元 23通信單元 24比對模組 2 6交易模組 1電子交易裝置 11服務端通信單元 2行動電話 φ 21儲存單元 220交易資料設定介面 230交易通信模組 25交易確認模組 27顯示單元 ❹ 18And the biometrics that are logged in also have an external risk. U, this practice is difficult to promote commercially. Taiwan's invention lang 62 专利 patent case reveals an application device that can drive the shortcut function by fingerprint recognition. The application device is coupled to a computer device and has a fingerprint input module, a fingerprint identification module, a pre-established fingerprint-function key correspondence table, and a control module. The fingerprint input module and the fingerprint recognition module can receive and identify a user fingerprint. The control module can find the function key corresponding to the fingerprint of the user according to the identification result of the fingerprint identification module and the fingerprint-function key correspondence table, and drive the computer device to generate a shortcut function corresponding to the function key. However, this application does not provide functionality or guidance in electronic trading. SUMMARY OF THE INVENTION A primary object of the present invention is to provide a mobile phone that can be traded with an electronic transaction device. The mobile phone has a lifetime feature input unit of 201019692, and can provide a transaction setting mode and a transaction mode for one user to select one of them. When the mobile phone is in the transaction setting mode, a user can establish a feature data corresponding to one of the biometric features through the biometric input unit, and then store the feature data in a pair with the verification data in the mobile phone. When the mobile phone is in the transaction mode, the user can input the biometric feature through the biometric input unit, and then the mobile phone can find a corresponding verification according to the feature data corresponding to the biometric feature. The data is transmitted to the electronic transaction device for verification. Once the electronic transaction device verifies that the verification data is correct, a series of transaction programs are launched, and the execution process of these transaction programs is displayed on the mobile phone. Preferably, the electronic transaction device is an ATM device. This biometric feature is a reference. The verification data includes a transaction password corresponding to a financial card, or further includes a bank account corresponding to one of the financial cards. In contrast to the prior art, the electronic transaction device in the present invention is still responsible for the verification of transaction approvals and is still responsible for executing subsequent transaction procedures. More specifically, the transaction setting mode provided by the mobile phone of the present invention allows the user to set a plurality of sets of biometric characteristics corresponding to a plurality of sets of verification data one-to-one. Therefore, through the 201019692: mobile phone, the user can use the biometrics that do not perform different electronic verifications, and do not need to verify the electronic code of the electronic transaction, such as the full code or account number. data. The advantage of the mobile phone inputting the secret phone on the parent device is that the user only needs to: move the biometric feature into the mobile phone, and can drive the message to transmit the corresponding verification data to the electronic device. In order to facilitate the electronic transaction device to provide an electronic transaction = because the user does not need to memorize any password or account code (4) to enter any verification transfer electronic transaction device. Another benefit of the present invention is that the user creates biometrics on his or her own mobile phone, so it can be deleted or changed at any time. Furthermore, in the present invention, the electronic communication device responsible for providing transaction services still uses the conventional password verification method to confirm whether the transaction is unfolded, so there is no need to establish a biometric establishment and identification system. Gossip left a biometric when creating an account. In addition, the verification data actually received by the electronic transaction device from the mobile phone is not a biometric feature of the client. This ensures that the customer does not have a biometric leak. The present invention provides convenience and security in conducting electronic transactions. 201019692 A more detailed technical content of the present invention will be disclosed in the following description. [Embodiment] The first figure shows an electronic transaction system which is constituted by the electronic transaction device 1 of the present invention and the mobile phone 2. The electronic transaction device 1 is preferably an ATM device having a withdrawal and transfer function, and is also capable of supporting a vending machine for the use of a card/financial card transaction, such as an automatic ticket vending machine. The mobile phone 2 can be replaced by a personal digital assistant (PDA) or other portable communication device having a mobile communication function. The electronic transaction device 1 includes a server transaction unit 1A, a server communication unit n, and a verification unit 12. The server transaction order unit 10 is configured to provide a transaction service, such as a referral transaction service and a transfer payment service, the contents of which include inputting a withdrawal amount or a transfer amount, and withdrawing money according to the input result. Or transfer processing, and printing receipts based on the processing results. The server communication unit n is configured to be capable of forming a wireless communication connection with the mobile phone 2 for receiving authentication data from the mobile phone 2. The verification unit 12 is configured to receive the verification data via the service terminal, and after verifying that the verification data is correct, notify the server transaction unit 1G to provide the service. In addition, the verification single illusion 24 can receive and verify a verification data directly input by a user via a keyboard or a touch-type glory (not shown) of the electronic transaction device 1, and can also be read and verified. A financial card and a credit card issued to the user by the operator of the electronic transaction device U. ❹ ❹, the mobile phone 2 has a number of presentation structure of the functional mode for people to choose 'such as phone book mode, electronic game mode, Bluetooth setting mode, acting collection mode, network setting mode, pass 5 sigh mode, photo mode , photography mode, etc. These modulo = are roughly generated by the application control of the mobile phone 2. More specifically, the mobile phone 2 is further configured to have a transaction setting mode and a transaction proceeding mode. ::: When the mobile phone 2 enters the transaction mode via a user operation, the time zone can establish the corresponding verification data and a = temple sign in the mobile phone 2. When the mobile phone 2: is operated by the latter or is sent to the transaction mode by the external letter, the (4) person reads the person Wei, so that the mobile phone 2 transmits the verification data corresponding to the biological feature to the mobile phone 2 The method of generating the parent mode is preferably that σ is used to provide the aforementioned application. The mobile phone 2 includes a biometric input unit 2, a storage unit 2, a unit 22, a communication unit 23, a 201019692 comparison module 24, and an authentication module 25, The transaction module 26 and a display unit 27. The k-characteristic input unit 2Q is configured to receive a biometric of a user input, and to calculate a corresponding characteristic data according to the biometric feature. This allows the use of the existing fingerprint identification kit 0 ❹ 储存 The storage list & 21 is the material storage - some manufacturer information and setting information 'such as the content of the phone book, the contents of the call settings. The above application is also used to store this. More specifically, the storage unit 21 is further configured to store - or multiple verification data and one or more signature data - verification data system - to - ground corresponding - pen feature data. Ren-characteristic data—the right-to-ground corresponds to the user's biometrics, such as the thumb fingerprint, the index finger fingerprint, the middle, the text, the text, etc. Preferably, any verification data includes the corresponding by-bank The transaction password of the issued-financial card, or a combination of a transaction card and a bank account number corresponding to a financial card. Preferably, a data sheet (taMe) can be established in the storage shirt 21 to store the t-batch material, such as As shown in the second figure, you can also use the dish file, or other electronic file that can be in the form of a silk screen, such as plain text # C.txt), Microsoft Word . ^ Microsoft Excel file, to replace the data sheet. In the first figure, the setting unit 22 includes a keyboard or a touch screen for inputting 11 201019692: one of the input data, and a human-machine operation interface for inputting information of the helper (four), for example, assisting in establishing _ secret (4) interface of the phone book interface or function interface. Suitable man-machine interface is controlled by the above application. More specifically, the setting unit 22 further includes a transaction data setting interface 220. Transaction data set Interface 22() is configured to enable the user to enter a test certificate (4) and the biometric characteristics of the data in the transaction setting mode, and to receive the verification data and the characteristics corresponding to the biometrics. After the data is stored, the two are stored in the storage unit 21 in a corresponding manner, for example, the negative materials are stored in the data table. The method for generating the transaction data setting medium Φ 220 is preferably integrated into the above. The communication unit 23 is for providing a mobile communication service 'including 10 call and short message service. More specifically, the communication unit 23 further includes a transaction communication module 230. The transaction communication module 23 is configured In the transaction mode, Cheng is able to form a wireless communication connection with the electronic transaction device 1. Preferably, the wireless communication mode between the transaction communication module 230 and the electronic transaction device! Communication, mobile telephone communication, radio frequency communication, infrared communication, etc., the comparison module 24 is configured to perform modulo 12 201019692 in the transaction; Receiving a feature data from the biometric input unit 20, and searching for the verification data corresponding to the feature data from the data table of the storage unit 21. The comparison module 24 is preferably integrated with the fingerprint. In the identification kit, the transaction confirmation module 25 is configured to transmit, via the transaction communication module 230, a message containing the verification data to the electronic transaction after receiving the verification data from the comparison module 24? ^ Device 1. The transaction module 26 is configured to request the user to enter data relating to a transaction after receiving an approval response from the electronic parent device 1 via the transaction communication module 230. Information relating to the transaction is transmitted to the electronic transaction device 1, and information relating to the transaction is received from the electronic transaction device 1. © The transaction confirmation module U and the transaction module 26 can be implemented using software means, and the software means is preferably integrated into the above application. The display unit 27 is used to display information, including information screens related to the mobile communication service, information related to various setting functions, data related to the transaction, and the like. The following describes a process for a user to conduct a withdrawal transaction through the mobile phone 2 and an automatic teller machine, i.e., the electronic transaction device i. The transfer transaction process is similar to this and will not be described. • First, the user sets the mobile phone 2 in the transaction ordering mode. The transaction communication module 230 of the mobile phone 2 and the server communication unit 11 of the electronic transaction device 1 form a wireless communication L connection. At this time, the face of the communication unit 2 is displayed on the screen of the display unit 27 of the mobile phone 2. The electronic transaction then asks the user to insert a financial card. At this time, the line 2 (4) of the line will display a picture requesting insertion of the financial card. Next, the user inserts the financial card into the electronic transaction device 1' such that the electronic transaction device 1 continues to request the user to enter a transaction password corresponding to one of the financial cards. At this point, the screen of the mobile phone will be followed by a screen asking for the transaction password. ... the user uses the biometric input ❹ single 20 on the mobile phone 2 to input the biometric corresponding to the financial card. For example, the fingerprint of the user's index finger. At this time, the biometric input unit 20 converts the biometric into a corresponding feature data, and transmits the feature data to the comparison module 24. Referring to the data sheet shown in the second figure, the binary code corresponding to the index of the index finger of the index finger should be * * * 709147. The comparison module 24 queries the data table according to the feature data received from the biometric input unit 2 to find the corresponding 14 201019692; one of the characteristic data transaction passwords, namely k5h79* *, and will read The transaction password is transmitted to the transaction confirmation module 25. The transaction confirmation module 25, after receiving the parent password from the comparison module 24, transmits a message containing the transaction password to the electronic transaction device i via the transaction communication module 23. After the verification unit 12 of the electronic transaction device 1 receives the message via the server terminal 4, the transaction password is processed by the transaction terminal, and after the verification is correct, the server communication unit U is The delivery-approval response is sent to the mobile phone 2. The approval response indicates that the electronic transaction device 1 has agreed to the user, and the mobile phone 2' requests a withdrawal transaction service from the server-side parent unit 10 of the electronic transaction device i. After receiving the approval response, the transaction module 26 will request the user to input the data of the withdrawal transaction (4), for example, the amount of the payment. At this time, the mobile phone 2 will display the required round-up on the screen. The screen of the withdrawal amount. After receiving the withdrawal amount, the transaction module 26 transmits the information corresponding to the amount of the credit to the electronic transaction device 1 via the transaction communication module 23. The electronic trading device! After receiving the data via the server communication unit 11, the server transaction unit 1 expands a series of=payments=including outputting the corresponding banknotes and printing the withdrawal receipts, etc. After the processing, the electronic The transaction device i will 15 201019692; 7 the server communication unit u transmits the funds related to the transaction: to the (4) phone 2, such as the transaction completion notification, the balance display, etc., the transaction module 26 of the mobile phone 2 The funds will be received by the transaction communication module 23A and displayed on the honor screen of the mobile phone 2. As can be seen from the above description, the user only needs to input a certain biometric feature through the mobile phone 2, and can make a transaction with the electronic communication device 1. The user does not need to memorize the password, nor does it need to perform a password operation. In the case where the above verification data includes a transaction street code and a bank account number, the user does not even have to insert the financial card. Thus, the present invention clearly increases the convenience and security of the electronic parent. Furthermore, the user establishes a biometric feature on his or her mobile phone, so it can be deleted or changed at any time. ® The electronic transaction device 1 still uses traditional password verification, so there is no need to establish a biometrics creation and identification system, and of course there is no need to require customers to leave biometrics when creating an account. In addition, the verification information actually received by the electronic transaction device from the mobile phone 2 is not the biometric of the user. This ensures that the user does not have a biometric leak. In any case, anyone can obtain sufficient teaching from the description of the above examples, and it is understood that the present invention does have the utility and progress in the industry 16 201019692, and the present invention does not have the same in the same field. Or similar technology reveals the prior and has novelty, and the invention has indeed met the requirements of the invention patent, and the application is filed according to law. 17 201019692 [Simple Description of the Drawings] / The first figure shows a block diagram of a preferred example of the system of the present invention. The second figure shows a data sheet built into the mobile phone of the present invention. [Main component symbol description] 10 server transaction unit 12 verification unit 2 biometric input unit 22 setting year 23 communication unit 24 comparison module 2 transaction module 1 electronic transaction device 11 server communication unit 2 mobile phone φ 21 storage unit 220 transaction data setting interface 230 transaction communication module 25 transaction confirmation module 27 display unit ❹ 18