CN1252640C - 电子信用卡 - Google Patents

电子信用卡 Download PDF

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CN1252640C
CN1252640C CNB018066135A CN01806613A CN1252640C CN 1252640 C CN1252640 C CN 1252640C CN B018066135 A CNB018066135 A CN B018066135A CN 01806613 A CN01806613 A CN 01806613A CN 1252640 C CN1252640 C CN 1252640C
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credit
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eft
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CN1418351A (zh
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王永坚（迈克尔）
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    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
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    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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Abstract

电子信用卡(ECC)是一种电子设备，它允许数据和/或数字信息通过终端站(TS)发送至主机或从主机接收。TS包括超市/综合商场中的取款机、自动取款机(ATM)、EFTPOS设备和限于PC接口的创造性在线技术所开发的专有收发设备(proprietary transceiver device)。它在它的显示单元上提供最新的包括收支差额的金融信息。键盘(1)允许PIN(个人标识号)输入，以便ECC是可操作的。包括LCD(液晶显示)屏或其它显示屏的信息显示单元(2)提供可视信息。确认键(3)确认交易。它也被用于当键入PIN时激活ECC。音频传感器(4)确认键盘(1)上的输入。音频传感器也被用于通过电话激活金融交易。数据的发送/接收是通过红外(5)、磁(6)和无线频率(7)设备。

Description

电子信用卡
技术领域
本发明涉及提供安全受控和可靠的资金交易的电子信用卡。
背景技术
现有的信用卡环境和系统具有以下缺点：
●当用户报告信用卡被盗或丢失时，为了防止非法交易，他或她必须与发放信用卡的公司或组织联系以取消此卡。如果用户不知道他或她的信用卡已丢失，则取消可能不会立刻发生。
●现有的信用卡公司和/或组织所采取的通过使用“智能卡”技术的安全手段对于防止欺诈行为是不充分的。同样，在信用卡上使用全息图像也不能消除欺诈行为。
●使用签名作为确认控制可能被忽视并可以被伪造。
●目前支持信用卡的技术是过时的，并且不适于通过因特网的安全交易。
●它不能防止渗透“安全网站”的黑客使用信用卡详细信息用于欺诈。
●给批发商信用卡详细信息就像给他或她一个“签过的空白支票”。当与不可信任的批发商交往时，信用卡公司或组织是不能胜任的。
●用户必须依赖于信任批发商没有误用信用卡详细信息。
本发明试图提供一种能够克服目前信用卡系统的缺陷的电子信用卡。
发明内容
依照本发明提供了一种电子信用卡，至少包括：用户检验装置，用于检验用户的身份；当用户身份确认时，用于生成唯一的特许码的装置；存储装置，用于存储用户的用于电子资金转账交易的账户详细信息；以及通信装置，用于与交易站通信，以向交易站提供用户的账户详细信息和特许码，以便于电子资金转账交易。
本发明还提供一种电子资金转帐系统，包括：交易站；和电子信用卡，包括：用户检验器，用于确认用户的身份；代码生成器，用于当用户身份被确认时生成唯一的特许码；存储器，用于存储用户用在电子资金转帐交易中的账户详细信息；通信器，用于向交易站安全地发送用户的账户详细信息和特许码，以便于电子资金转账交易；其中交易站被配置来在它接收到作为用户身份的证明的唯一条形码后进行电子资金转帐交易，其中所述交易站按照所提供的帐户详细信息来进行电子资金转帐交易，并且使用唯一交易标识符来作为对于交易的唯一标识符。
附图说明
为了提供更好的理解，现在仅通过举例的方式，参考附图详细描述优选
实施例，其中：
图1是依照本发明的电子信用卡的图示；
图2是图1的电子信用卡和个人计算机之间通信，个人计算机又通过计算机网与主机通信的图示；
图3是图1的电子信用卡和ATM或EFTPOS终端以及主机之间的图示；
图4是依照本发明的电子信用卡的可替换的实施例；
图5是依照本发明的电子信用卡的另一可替换的实施例；
图6是依照本发明的电子信用卡的另一可替换的实施例；
图7是依照本发明的电子信用卡的另一可替换的实施例；
图8是依照本发明的电子信用卡的另一可替换的实施例；
图9是依照本发明的具有磁条通信设备的电子信用卡的后视图；
图10是依照本发明的电子信用卡的另一可替换的实施例；
图11是依照本发明的电子信用卡的另一可替换的实施例；以及
图12是依照本发明的电子信用卡的另一可替换的实施例；
具体实施方式
参考图1，示出了一种电子信用卡，包括：用户检验装置；用于生成唯一的特许码的装置(没示出)；用于存储用户的账户详细信息的存储装置(没示出)；以及通信装置。在这个实施例中，用户检验装置包括用于输入个人标识号(PIN)的键盘，以及通信装置包括红外通信设备5、磁感应电信设备6、天线形式的无线频率电信设备7。所述电子信用卡还包括显示器2、输入/确认按键和用于提供可听见的声音的音频传感器4。
所述电子信用卡还包括用于从键盘1和按键3接收输入的处理器装置。该处理器装置也被安排以控制显示器2的输出和音频传感器4的输出。所述处理器装置还被安排以控制通过通信装置5、6、7的通信。
键盘与处理器的固件控制结合形成用户检验装置。在固件控制下的处理器形成用于产生唯一特许码的装置。在处理器的固件控制下的所述红外通信设备、磁通信设备或无线频率通信设备形成所述通信装置。所述固件可被存储在所述存储装置中，并可被重新编程。
所述电子信用卡通过用户将PIN号输入键盘1而操作，由此用户检验装置检验该PIN号是正确的，因此检验了用户的身份。然后用于产生唯一特许码的装置产生特许码并与用户的账户详细信息一起提供给通信装置，所述通信装置将这些信息提供给交易站，以便于电子资金转账交易。
该转账站必须被配置为收到唯一的特许码和账户详细信息时才继续电子资金转账交易。
参考图2，示出了电子信用卡和与个人计算机通信的收发设备之间的通信。该收发设备和个人计算机在这个举例中作为交易站。然后该交易站可以通过有线或无线通信与计算机网络通信，如因特网与主机通信，用于传导电子资金转账交易。
参考图3，该电子信用卡通过它的通信装置与自动取款机(ATM)或电子资金转账销售点(EFTPOS)机通信，该ATM或EFTPOS再通过常规方法与主机通信，以执行电子资金转账、现金收回或其它交易。
图4示出了带有一个键盘作为用户检验装置、和红外接收机作为通信装置的一部分的电子信用卡的典型的物理形式。
图5示出了带有形成用户检验装置的一部分的键盘，以及形成通信装置的一部分的无线频率天线的电子信用卡的形式。
图6示出了带有形成用户检验装置的一部分的键盘，以及形成通信装置的一部分的磁感应通信设备6的电子信用卡的形式。
图7示出了带有形成用户检验装置的一部分的键盘，以及形成通信装置的一部分的有线通信设备8的电子信用卡的形式。
图8示出了带有作为用户检验装置的一部分的键盘，以及图9所示的提供编码信息的磁条9作为通信设备的一部分的电子信用卡的形式。
图10示出了带有形成用户检验装置的一部分的键盘1、形成通信装置的一部分的红外发送接收机5、无线频率天线7和感应6的结合的电子信用卡的形式。
参考图11，示出了带有形成用户检验装置的一部分的指纹扫描器10、形成通信装置的一部分的红外发送接收机5、无线频率天线7和磁感应装置6的电子信用卡的形式。
参考图12，电子信用卡的实施例包括形成用户检验装置的一部分的眼球视网膜扫描垫11，和形成通信装置的一部分的结合红外发送接收机5、无线频率天线7和磁感应装置6的电子信用卡的形式。
因为每个交易只能由电子信用卡提供的唯一交易所产生，所以电子信用卡的使用将防止批发商使用未检验的交易。没有电子信用卡，批发商不能够产生唯一的交易标识符。该电子信用卡在被激活之前检验用户的身份。如果预定数目的获得对它的操作的访问的尝试失败，该电子信用卡将被禁用，这将在信用卡被盗的事件中防止欺诈行为。检验分配者或其它检验团体可以通过用于发行该电子信用卡的受控的管理系统重新初始化电子信用卡。
该ECC可以在交易站通过发行公司或组织的系统控制功能而被失效。这使得如果需要的话能够立即终止ECC。该ECC能够通过它的电信方式中的一个向计算机系统下载信息。这确保了在电源替换或重新充电时数据的完整性。另外它还方便了交易记录选择。
该ECC能够与链接至远端站系统控制功能的转账站同步产生它的交易号。该交易站可以是具有这样的功能的因特网站。
电子信用卡金融限额可以由链接至远端站系统的交易站检验。一旦达到了ECC的金融限额，将防止ECC产生进一步的交易。这种金融限额功能是可选的，可以由发行电子信用卡的金融机构激活，或被用户激活，以相互校验并警告用户他或她的账户收支差额。该ECC可以处理电子现金，其被用作一种外汇兑换设备。去往国外的旅行者可以选择持有一定量的他或她访问的国家的特殊货币。该电子信用卡可被装入其它电子设备或装置中，例如它可被装入移动电话中。
音频传感器被用于确认用户的成功检验的成功处理，也可被用于经过电话网提供通信。
机内的定时器在预定的时间之后禁止用户的检验。这个特性消除了当用户标识已被检验时使用被盗的ECC。
ECC键盘可由伸缩板膜、橡胶和/或塑料材料制成以提供耐久性和细长的尺寸。键盘可被设计成带有圆的或方的按键。
该电子信用卡可以存储多于一个信用卡/借方卡账户。这些卡可以是从不同的金融机构、组织或公司分配的卡。该电子信用卡可以用有关他或她的对于账户限额的金融收支差额的信息，来保留用户进行的交易的总量。这可用于一个或多个信用卡账户。
在不脱离基本的发明概念的情况下，可以对本发明进行修改和改变。这样的修改和改变被确定为在上述说明书和所附权利要求书的范围以内。

Claims (25)

1.一种电子信用卡，包括：
用户检验装置，用于确认用户的身份；
当用户身份确认时，用于生成唯一的特许码的装置；
存储装置，用于存储用户用在电子资金转账交易的账户详细信息；
通信装置，用于向交易站安全地发送用户的账户详细信息和特许码，以便于电子资金转账交易。
2.如权利要求1所述的电子信用卡，其中，所述电子信用卡还包括定时器装置，用于在一个时间段之后，结束用户身份的检验。
3.如权利要求1所述的电子信用卡，其中，所述电子信用卡还包括禁用器，用于在某些条件下禁止该电子信用卡的使用。
4.如权利要求3所述的电子信用卡，其中，所述禁用器当被电子信用卡的发行者或其它认证机构远端激活时工作。
5.如权利要求1所述的电子信用卡，其中，所述唯一特许码与交易站同步产生。
6.如权利要求1所述的电子信用卡，其中，所述存储装置被安排以存储金融限额。
7.如权利要求6所述的电子信用卡，其中，所述通信装置被配置来将所述金融限额提供给所述交易站。
8.如权利要求1所述的电子信用卡，其中，所述电子信用卡包括一个处理器，用于追踪所述电子信用卡的使用，如果超出该金融限额，将不产生或提供特许码。
9.如权利要求6所述的电子信用卡，其中，由所述通信装置从所述交易站接收金融机构发送的金融限额，用于存储在所述存储装置中。
10.如权利要求1所述的电子信用卡，其中，所述存储装置被安排以存储多于一个账户簿详细信息。
11.如权利要求1所述的电子信用卡，其中，所述存储装置被安排以存储电子现金。
12.如权利要求1所述的电子信用卡，其中，用户检验装置包括用于输入个人标识号的键盘，以及个人标识号检验装置，以检验用户身份。
13.如权利要求1所述的电子信用卡，其中，用户检验装置包括用于读取指纹的指纹读取器和用于检验用户的身份的指纹检验装置。
14.如权利要求1所述的电子信用卡，其中，所述用户检验装置包括用于扫描视网膜图案的视网膜扫描器和用于检验用户身份的视网膜图案检验装置。
15.如权利要求1所述的电子信用卡，其中，所述通信装置包括红外传送装置。
16.如权利要求1所述的电子信用卡，其中，所述通信装置包括无线频率传送装置。
17.如权利要求1所述的电子信用卡，其中，所述通信装置包括磁感应传送装置。
18.如权利要求1所述的电子信用卡，其中，所述通信装置包括有线传送装置。
19.如权利要求1所述的电子信用卡，其中，所述存储装置包括磁条，用于存储账户详细信息。
20.如权利要求1所述的电子信用卡，其中，所述通信装置包括电话网接口。
21.如权利要求6所述的电子信用卡，其中，所述存储装置存储交易详细信息，并且一个处理器计算距离金融限额的在电子资金转帐交易中的可用资金。
22.如权利要求1所述的电子信用卡，其中，所述电子信用卡被装入其它设备内。
23.如权利要求3所述的电子信用卡，其中，当检验用户身份的预定数量的尝试失败时，禁用器工作。
24.如权利要求9所述的电子信用卡，其中，处理器被配置来在如果超过金融限额时则禁止产生特许码或不允许特许码的通信。
25.一种电子资金转帐系统，包括：
交易站；和
电子信用卡，包括：用户检验器，用于确认用户的身份；代码生成器，用于当用户身份被确认时生成唯一的特许码；存储器，用于存储用户用在电子资金转帐交易中的账户详细信息；通信器，用于向交易站安全地发送用户的账户详细信息和特许码，以便于电子资金转账交易；
其中交易站被配置来在它接收到作为用户身份的证明的唯一条形码后进行电子资金转帐交易，
其中所述交易站按照所提供的帐户详细信息来进行电子资金转帐交易，并且使用唯一交易标识符来作为对于交易的唯一标识符。
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