201117106 六、發明說明： 【發明所屬之技術領域】 本發明是有關於一種智慧卡及其電子交易方法，且特 別是有關於一種具有近場通訊（Near Fidd Comnrnnicatioii ’ NFC )功能的智慧卡及其電子交易的方法。 【先前技術】 目前信时的交錢式通常是透過刷卡與持卡人簽名 來完成。-旦***遭竊，而持卡人沒有立即向原發卡銀 仃提出掛失申請的話，持卡人將會因為***遭人盜刷， 導致持卡人在金錢方面上可能遭受到龐大的損失。因此， 現今的***普遍存有安全性不足的問題。 【發明内容】 本發明之目的係提供一種智慧卡的電子交易方去宜 利用指紋辨識技術，以解決上述***安全性不足的門/、 本發明之另一目的係提供一種智慧卡， 。題。 ^. ^ Η 下其應用於上述 包子父易方法。 本發明提出一種智慧卡，適於安裝於— ω 、于持電子兮夺 備。此智慧卡包括一指紋模組以及一近場通訊 ° 寺、、、且用以取得一指紋資料。近場通訊天線電性連 & 、 、、且並用以輸出指紋資料與一請求交易訊於5 — 、、 儿王—交易端設 201117106 備’以進行f子交易’其中請求交 得指紋資料之後而輪出。 疋在指紋模組取 適用於— 本發明另提出-種智慧卡的電子 智慧卡與-交易端設備之間所進行 電子交易方法包括以下步驟：首先 ^易。智慧卡的 請求交易訊號。接著，判斷指紋資料指紋資料與一 紋資料為正確時，根據請求交易訊號^=確°當判斷指 知至一銀行刷卡系統。 x出一電子付費通 基於上述’本發明的智慧卡侧用 高***或VISA全融— 、辨識技術來提 备政卡的安全性，避免發生盜刷的情形， 進而保護真正針人麵财面免於遭受損失。 為讓本發明之上述特徵和優點能更明顯易僅，下文特 舉敢佳貫施例，並配合所附圖式，作詳細說明如下。 【實施方式】 圖1A係為本發明一實施例之智慧卡以及供此智慧卡 安裝的手持電子設備之立體示意圖。請參閱圖1A，智慧卡 200適於安裝於一手持電子設備100，其中圖1A所示的手 持電子設備1〇〇為一種手機，而在其他未繪示的實施例 中’手持電子設備100也可以是個人數位助理器（Personal Digital Assistant，PDA)或掌上型遊戲機。 手持電子設備1〇〇可具有一插槽110 ’而智慧卡200 可***於插槽110内，進而安裝於手持電子設備100。在 201117106 智慧卡200安裝於手持電子設備loo之後，手持電子設備 100會額外増加電子交易的功能，讓手持電子設備1〇〇跟 一般***或VISA金融卡一樣，具有刷卡消費的功能。 • 圖1B係為圖1A中智慧卡的電子交易之方塊示意圖。 請參閱圖1A與圖1B，智慧卡200包括一指紋模組21〇以 及一近場通訊天線220，其中近場通訊天線220電性連接 指紋模組210，而指紋模組21〇用以取得一指紋資料。詳 細而言，手持電子設備100具有一電性連接指紋模組210 •的指紋掃描裝置120，而指紋掃描裝置120用以擷取一指 紋影像。 才曰紋掃描裝置12()可為影像掃㈣或電和 (Trge"C0UpledDevice，CCD),201117106 VI. Description of the Invention: [Technical Field] The present invention relates to a smart card and an electronic transaction method thereof, and more particularly to a smart card having near field communication (Near Fidd Comnrnnicatioii 'NFC) function and The method of electronic trading. [Prior Art] At present, the delivery of the letter is usually done by swiping the card and signing the card holder. If the credit card is stolen and the cardholder does not immediately file a loss report with the original card, the cardholder will be stolen because of the credit card, which may result in a huge loss to the cardholder. Therefore, today's credit cards generally have a problem of insufficient security. SUMMARY OF THE INVENTION An object of the present invention is to provide a smart card electronic transaction party that utilizes fingerprint identification technology to solve the above-mentioned problem of insufficient credit card security. Another object of the present invention is to provide a smart card. question. ^. ^ Η It is applied to the above-mentioned buns parent easy method. The invention provides a smart card suitable for being mounted on - ω and holding the electronic cymbal. The smart card includes a fingerprint module and a near field communication, and is used to obtain a fingerprint data. The near field communication antenna is electrically connected to &, and is also used to output fingerprint data and a request transaction message. 5, , CHI Wang - transaction terminal set 201117106 to prepare 'for sub-transaction', after requesting to submit fingerprint data And turn out.指纹In the fingerprint module, it is suitable for the present invention. The electronic transaction method between the electronic smart card and the transaction terminal device of the smart card includes the following steps: First, easy. The smart card's request transaction signal. Then, when it is judged that the fingerprint data and the fingerprint data are correct, the transaction signal is determined according to the request, and the decision is made to a bank card system. x Out of an electronic payment pass based on the above-mentioned 'smart card side of the smart card or VISA full integration -, identification technology to provide the security of the political card, to avoid the situation of stolen brush, and thus protect the real face of the face Suffering from losses. In order to make the above features and advantages of the present invention more obvious, the following detailed description will be made with reference to the accompanying drawings and the accompanying drawings. [Embodiment] FIG. 1A is a perspective view of a smart card and a handheld electronic device installed in the smart card according to an embodiment of the present invention. Referring to FIG. 1A, the smart card 200 is adapted to be mounted on a handheld electronic device 100. The handheld electronic device 1 shown in FIG. 1A is a mobile phone, and in other embodiments not shown, the handheld electronic device 100 is also It can be a Personal Digital Assistant (PDA) or a handheld game console. The handheld electronic device 1 can have a slot 110' and the smart card 200 can be inserted into the slot 110 for mounting to the handheld electronic device 100. After the smart card 200 is installed in the handheld electronic device loo 201117106, the handheld electronic device 100 additionally adds the function of electronic transaction, so that the handheld electronic device 1 has the same function as the credit card or VISA financial card. • Figure 1B is a block diagram of the electronic transaction of the smart card of Figure 1A. Referring to FIG. 1A and FIG. 1B, the smart card 200 includes a fingerprint module 21A and a near field communication antenna 220. The near field communication antenna 220 is electrically connected to the fingerprint module 210, and the fingerprint module 21 is used to obtain a Fingerprint data. In detail, the handheld electronic device 100 has a fingerprint scanning device 120 electrically connected to the fingerprint module 210, and the fingerprint scanning device 120 is configured to capture a fingerprint image. The smear scanning device 12() can be an image scanning (four) or a power (Trge" C0Upled Device (CCD),
M拍攝的方式從持卡人的任—根手指 二=播:拇指、食指、中指或無名指，來_ :傳==12°在操取指紋影像之後，會_ :=:Γ 指紋模組210,紋模組21 在收i減讀之後，會將驗影像轉換成指纹 MM 21G會傳遞指紋㈣至 線 而近場通訊天線220用以輸出指紋資料二線广: 302為-種近場诵^上進仃電子乂易’其中交易端設傾 輯智慧卡200 _ (NFC卿如），其能讀取或潍 請提出交交易訊號係用來向交細 易以，讓智慧卡細的持卡人與 201117106 備302的店家進行刷卡交易。 由於明求父易訊號係透過近場通訊天線22〇來輪出， 並由近場通訊讀卡機來接收，因此，不論手持電子設備1〇〇 是處於關機或開機狀態，近場通訊天線220都能輸出請求 父易訊號與指紋資料至交易端設備302。換句話說，即 a w卡200的持卡人未開啟手持電子設備雨智慧卡 仍可以向交易端設備3〇2發出請求交㈣號與指紋資料。 在本實知例中，請求交易訊號是在指紋模組训取得 指紋資料之後而輸出，而左车 Μ而在手持電子設備1GG未掘取指紋 Θ像之前，智慧卡200不舍料^ 个會對父易端設備302發出請求交 :訊號。㈣可以確保智慧卡2⑼的交易安全性，以防止 他人盜用智慧卡200來進行雷；_ ^ 仃罨子父易’避免智慧卡200的 持卡人損失金錢。 智慧卡2〇〇可以更句括_ +β , 电性連接指紋模組210與近 ~通訊天線220的加密電路μ 上 30 ’而加密電路230係用以 加密指紋貧料。詳細而言，指 _ g故育料是在加密之後輸出至 父易端設備302，且加密電路2 230係利用一公開金鑰密碼 技術來加密指紋資料。如此，哿一 ^ Γ以增加個人指紋資料的保 费性，以防止指紋資料遭到外线。 圖2係為圖1B中智慧卡的電子交易之流程示意圖。請 參閱圖1B與圖2,智慧卡的電子交易方法適用於智慧 卡與交易端設備搬之間所進行的電子交易，並包括 以下步驟 S400、S402、S404 以及 S4〇6。 201117106 首先，進行步驟S400，即取得指紋資料與請求交易訊 號。詳細而言，在步驟S4〇〇中，令指紋掃描裝置12〇從持 卡人的任一根手指擷取指紋影像。之後，令智慧卡2〇〇將 指紋影像轉換成指紋資料。M shooting method from the card holder's Ren-root finger two = broadcast: thumb, index finger, middle finger or ring finger, _: pass == 12 ° after taking the fingerprint image, will _ :=: 指纹 fingerprint module 210 After the reading and receiving, the pattern module 21 converts the image into a fingerprint MM 21G, which transmits the fingerprint (4) to the line, and the near field communication antenna 220 uses the fingerprint data to output the second line: 302 is a kind of near field 诵 ^上进仃电子乂易' where the transaction side set up a smart card 200 _ (NFC Qingru), which can read or ask for the transaction signal to be used to make the credit card Swipe the transaction with the store of 201117106. Since the parent-seeking signal is rotated through the near-field communication antenna 22 and received by the near-field communication card reader, the near-field communication antenna 220 is closed regardless of whether the handheld electronic device is turned off or turned on. Both the request parental signal and the fingerprint data can be output to the transaction device 302. In other words, if the cardholder of the aw card 200 does not turn on the handheld electronic device rain smart card, the request can be sent to the transaction terminal device 3〇2 and the fingerprint data. In the present embodiment, the request transaction signal is output after the fingerprint module acquires the fingerprint data, and the smart card 200 does not care for the second time before the handheld electronic device 1GG does not capture the fingerprint image. A request is sent to the parent device 302 to: signal. (4) It is possible to ensure the security of the transaction of the smart card 2 (9) to prevent others from stealing the smart card 200 for the mine; _ ^ 仃罨子父易 ‘to avoid the cardholder of the smart card 200 losing money. The smart card 2 can further include _ + β , electrically connecting the fingerprint module 210 and the encryption circuit μ of the near-communication antenna 220 30 ' and the encryption circuit 230 is used to encrypt the fingerprint. In detail, the information is output to the parent device 302 after encryption, and the encryption circuit 2 230 encrypts the fingerprint data using a public key cryptography technique. In this way, 哿一 ^ Γ to increase the security of personal fingerprint data to prevent fingerprint data from being taken outside. FIG. 2 is a schematic flow chart of the electronic transaction of the smart card in FIG. 1B. Referring to FIG. 1B and FIG. 2, the electronic transaction method of the smart card is applicable to the electronic transaction between the smart card and the transaction device, and includes the following steps S400, S402, S404 and S4〇6. 201117106 First, step S400 is performed to obtain fingerprint data and request transaction signals. In detail, in step S4, the fingerprint scanning device 12 is caused to capture a fingerprint image from any of the card holder's fingers. After that, the smart card 2〇〇 converts the fingerprint image into fingerprint data.
指紋資料與請求交易訊號係從智慧卡200輪出，並經 由父易端設備302，而傳遞至負責管理指紋#料的指紋管 理中心。指崎理巾心具有—指紋管理系統3()4,而指紋 貢料與請求交易訊號傳遞至指紋管理系統304,因此指紋 資料與請求交易訊雜由指紋管理㈣3 Q 4所取得。、 為了確保指紋資料不會㈣而增加指紋資料的保密 性’在智慧卡200輸出指紋資料之前，智慧卡2〇〇的加密 電路230可加密指紋#料，並僅讓指紋管理系統遍對加 密後的指紋資料進行解密。如此，指紋資料中的内容只有 指紋管理系統删可以讀取，以防止指紋資料㈣。此外， 智慧卡2 0 0可以利用公開金鑰密碼技術來加密指紋資料。The fingerprint data and the request transaction signal are rotated from the smart card 200 and transmitted to the fingerprint management center responsible for managing the fingerprint material by the parent device 302. The fingerprint management system has a fingerprint management system 3() 4, and the fingerprint vouchers and the request transaction signals are transmitted to the fingerprint management system 304, so the fingerprint data and the request transaction information are obtained by the fingerprint management (4) 3 Q 4 . In order to ensure that the fingerprint data does not (4) increase the confidentiality of the fingerprint data. Before the smart card 200 outputs the fingerprint data, the encryption circuit 230 of the smart card 2 can encrypt the fingerprint material and only allow the fingerprint management system to encrypt the fingerprint. The fingerprint data is decrypted. Thus, the content in the fingerprint data can only be read by the fingerprint management system to prevent fingerprint data (4). In addition, the smart card 200 can use the public key cryptography to encrypt fingerprint data.
在取得指紋資料與請求交易訊號之後，接著，進行步 驟S402 ’ _指紋資料是否正確。在步驟s術中，指紋 Γ理糸統綱會判斷指紋資料是否正確。詳細而言，指紋 官理系統綱會先解密指紋資料來進行讀取，之後 搜料合缺資料的針人資訊。若指紋管理i =^到_紋資料的持卡人資訊，則判斷指紋資: 當判斷指紋資料正確時 進行步騍S404,也就是指紋 201117106 管理***304會相姑 至-銀行刷卡系/據4求交易訊號來發出—電子付費通知 卡系統_會盘^ Γ6 ’以進行電子交易。如此，娘行刷 200的電子交易、人易端設備302取得聯繫，以完成智慧卡 駡A金融卡的心慧卡細更具有整合多張***或 庫會儲存同-位二具體而言，指纹管理系統3〇4的資料 融卡之資料。、t人所持有已開通的***或VISA金After obtaining the fingerprint data and requesting the transaction signal, then proceeding to step S402' _ the fingerprint data is correct. In the step s, the fingerprint processing system judges whether the fingerprint data is correct. In detail, the fingerprint official system outline decrypts the fingerprint data for reading, and then searches for information about the missing person. If the fingerprint management i = ^ to the cardholder information of the _ pattern data, then judge the fingerprint resource: When the fingerprint data is judged to be correct, step S404, that is, the fingerprint 201117106 management system 304 will be abruptly - the bank card system / data 4 Ask for a transaction signal to send out - the electronic payment notification card system _ will be ^ Γ 6 ' for electronic transactions. In this way, the electronic transaction of the Niangxing brush 200 and the human-friendly device 302 are contacted to complete the smart card, the financial card of the financial card, and the integration of multiple credit cards or libraries to store the same-bit two, specifically, the fingerprint Management system 3〇4 data fusion card information. , the credit card or VISA gold held by the person
通知之前，交:端:=正球時’並在發出電子付f 用卡或VISA金融^會顯示持卡人所可以使用的信 VISA金財來料h供持卡人縫至少—張***或 在持卡人選擇好要刷卡的***或VISA金融卡 後’店家會輸人持卡人所選擇的***或 VISA金融卡的 資料’例如卡號或銀行帳號，以產生—選擇指示訊說，而 交易端設備3G2會輸出選擇指示訊號至指紋管理 304,讓指紋管理系統綱取得選擇指示訊號。.’、苑 之後’指紋管理系統304根據選擇指示訊號，從多個 銀行系統中，選擇其+ -個崎线作為銀行刷卡*** 306。如此，持卡人可以從多張***或visa金融卡來選 擇其中至少一張來針。因此，持卡人只要帶著-張智慧 卡200’就等於攜帶多張***或VISA金融卡，讓持卡^ 可以更加方便地刷卡消費。 反之’若減管理純3G4在其轉庫巾沒有找到符 201117106 合指紋資料的持卡人資訊，則指紋管理系統304會判斷指 紋資料錯誤。當判斷指紋資料錯誤時，隨即進行步驟S406， 也就是不進行電子交易，以避免發生盜刷，進而保護智慧 卡200的真正持卡人在金錢方面免於遭受損失。 綜上所述，本發明的智慧卡能安裝於各種手持電子設 備（例如手機、個人數位助理器或掌上型遊戲機），並且能 利用指紋辨識技術來辨認***或VISA金融卡的持卡 人，提高***或VISA金融卡的安全性，避免發生盜刷 > 的情形，進而保護真正持卡人在金錢方面免於遭受損失。 其次，本發明的智慧卡所包括的加密電路能加密指紋 資料，並讓指紋資料僅供指紋管理系統所解密。因此，藉 由加密電路，本發明更可以增加個人指紋資料的保密性， 以防止指紋資料遭到外洩。 再者，本發明的智慧卡更具有整合多張***或VISA 金融卡的功能。因此，持卡人可以利用本發明的智慧卡， • 從多張***或VISA金融卡來選擇其中至少一張來刷 卡。如此，持卡人只要帶著一張本發明的智慧卡，就等於 攜帶多張***或VISA金融卡，因此本發明的智慧卡具 有很高的便利性，讓持卡人可以更加方便地刷卡消費。 雖然本發明以最佳實施例揭露如上，然其並非用以限 定本發明，任何熟習相像技藝者，在不脫離本發明之精神 和範圍内，所作更動與潤飾之等效替換，仍為本發明之專 利保護範圍内。 201117106 【圖式簡單說明】 圖1A係為本發明一實施例之智慧卡以及供此智慧卡安裝 的手持電子設備之立體示意圖。 圖1B係為圖1A中智慧卡的電子交易之方塊示意圖。 圖2 係為圖1B中智慧卡的電子交易之流程示意圖。Before the notice, pay: end: = when the ball is 'and the electronic payment f card or VISA financial ^ will display the card holder can use the letter VISA gold for the cardholder to sew at least - a credit card or After the cardholder chooses the credit card or VISA financial card to be swiped, the store will enter the credit card or VISA financial card information selected by the cardholder, such as the card number or bank account number, to generate a selection instruction, and the transaction The terminal device 3G2 outputs a selection indication signal to the fingerprint management 304, so that the fingerprint management system can obtain the selection indication signal. The 'fingerprint management system' selects the +-saki line as a bank card swipe system 306 from a plurality of banking systems based on the selection indication signal. In this way, the cardholder can select at least one of the credit cards or the visa financial card. Therefore, the cardholder only needs to carry a multi-card or VISA financial card with the -card smart card 200', so that the card can be more conveniently used for card consumption. On the other hand, if the management pure 3G4 does not find the cardholder information of the fingerprint data, the fingerprint management system 304 will judge the fingerprint data error. When it is judged that the fingerprint data is wrong, step S406 is immediately performed, that is, no electronic transaction is performed to avoid the stolen brush, thereby protecting the true card holder of the smart card 200 from the loss of money. In summary, the smart card of the present invention can be installed in various handheld electronic devices (such as mobile phones, personal digital assistants or handheld game consoles), and can use fingerprint identification technology to identify cardholders of credit cards or VISA financial cards. Improve the security of credit card or VISA financial card to avoid theft and theft, so as to protect the real cardholder from the loss of money. Secondly, the encryption circuit included in the smart card of the present invention can encrypt the fingerprint data and allow the fingerprint data to be decrypted only by the fingerprint management system. Therefore, with the encryption circuit, the present invention can further increase the confidentiality of the personal fingerprint data to prevent the fingerprint data from being leaked. Furthermore, the smart card of the present invention has the function of integrating multiple credit cards or VISA financial cards. Therefore, the cardholder can utilize the smart card of the present invention, • select at least one of the credit card or VISA financial card to swipe the card. In this way, the cardholder only needs to carry a smart card of the invention, which is equivalent to carrying multiple credit cards or VISA financial cards, so the smart card of the invention has high convenience, so that the cardholder can more easily swipe the card. . While the present invention has been described in its preferred embodiments, the invention is not intended to limit the invention, and the equivalents of the modification and retouching are still in the present invention without departing from the spirit and scope of the invention. Within the scope of patent protection. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1A is a perspective view of a smart card and a handheld electronic device for mounting the smart card according to an embodiment of the present invention. FIG. 1B is a block diagram showing the electronic transaction of the smart card in FIG. 1A. FIG. 2 is a schematic flow chart of the electronic transaction of the smart card in FIG. 1B.
【主要元件符號說明】 100 手持電子設備 110 插槽 120 指紋掃描裝置 200 智慧卡 210 指紋模組 220 近場通訊天線 230 加密電路 302 交易端設備 304 指紋管理系統 306 銀行刷卡系統 S400-S406 步驟[Main component symbol description] 100 Handheld electronic device 110 Slot 120 Fingerprint scanning device 200 Smart card 210 Fingerprint module 220 Near field communication antenna 230 Encryption circuit 302 Transaction device 304 Fingerprint management system 306 Bank card swipe system S400-S406 Steps