CN1418351A - 电子信用卡 - Google Patents

电子信用卡 Download PDF

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CN1418351A
CN1418351A CN01806613A CN01806613A CN1418351A CN 1418351 A CN1418351 A CN 1418351A CN 01806613 A CN01806613 A CN 01806613A CN 01806613 A CN01806613 A CN 01806613A CN 1418351 A CN1418351 A CN 1418351A
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ecc
transaction
user
sac
credit card
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CN1252640C (zh
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王永坚（迈克尔）
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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
本发明涉及使用电子控制的信用卡而提供安全、受控、可靠的资金交易。
现有的信用卡环境和系统具有以下缺点：
1.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，这样的行为也许不会立刻发生。
2.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。
3.使用签名作为确认控制可能被忽视并可以伪造。
4.支持使用的技术是过时的，并且不适于通过因特网的安全交易。
5.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。
6.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。
本发明的电子信用卡-ECC(下文被称作ECC)可消除现有的信用卡系统中的上述缺点。
该ECC仅通过以下处理的一个而操作(下文被称作SAC〔安全特许码〕)：
1.一个用户控制的PIN(个人标识号)和/或
2.一个用户标识的指纹签名(数字签名)和/或
3.一个用户眼球视网膜签名(数字签名)。
这样的处理可包含在ECC中或通过本地或远端系统中的数据库。
音频传感器被用来确认通过ECC用户的PIN、指纹和眼球视网膜扫描签名的成功处理。
该ECC具有一个内部的定时器，可以在一定的时间之后消除它的SAC。这个特性消除了当PIN和/或数字签名已被激活时使用被盗的ECC。
如果进行了预定次数的尝试发送SAC以获得对它的操作的访问，则该ECC被自毁。这是为了在ECC被盗时防止欺诈行为。特许的批发商能够通过用于发行ECC的控制管理系统重新初始化ECC。
该ECC可以在交易站(下文被称作TS)通过由发行公司或组织控制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是通过以下方式之一或以下方式的组合而与TS通信的一种智能设备：
1.红外电信处理(图4)和/或
2.无线频率电信处理(图5)和/或
3.磁感应电信处理(图6)和/或
4.有线电信(图7)处理。
该ECC能够通过它的上述电信方式之一向计算机系统下载信息。这确保了在电源替换或充电时数据的完整性。另外它还方便了交易记录。
该ECC能够与链接至本地或远端系统控制功能的TS同步或独立地产生它自己的交易号。TS可以或能够是具有这样的功能的因特网站。
ECC金融限额可以通过链接至本地或远端站系统控制功能的TS而被检验。一旦达到了ECC的金融限额，这控制ECC不产生进一步的交易。这种限额资金的功能是一种可以由发行ECC的金融机构激活，或由用户激活以相互校验并警告用户他或她的账户收支差额的可选方式。
该ECC可以通过自动取款机(ATM)管理系统给或从ATM交易资金(这示出于图3)。这使得ECC能够提供并支持现金越来越少的社会。ECC也可以链接至个人计算机(PC)以提供并支持这样的交易(这示出于图2)。
该ECC可以与TS交易电子现金而代替信用卡/借方卡账户。这可被用作一种外汇兑换设备，以便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。
因为每笔交易只能被ECC用它的唯一交易标识符产生，所以该ECC防止批发商使用未检验的交易。批发商不能产生唯一的交易标识符。
该ECC可被装入一个电子设备或装置中。这样的结合的举例是装入移动电话中。
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。键盘可被设计成具有圆的或方的按键。
该ECC可以在后面装磁带条并在前面装键盘以方便SAC电信。音频传感器可被用作电信设备以通过电话线用TS设备向批发商发送SAC以处理交易。
发送SAC的该ECC为每一个交易使用唯一的交易标识符。
该ECC可被用于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/公司分配的卡。
该ECC可以保留被批准信用卡/借方卡金融限额的信用卡/借方卡，并提供给用户(客户)有关他或她的账户限额未结算的他或她的金融收支差额的信息。这可用于一个或多个信用卡/借方卡账户。
图标号定义：
1：用于PIN输入和交易的键盘
2：信息显示单元
3：允许(确认)交易(安全访问)的ENTER键
4：音频传感器
5：红外电信设备
6：磁感应电信设备
7：无线频率电信设备(天线)
8：有线电信设备
9：带有编码信息的磁带条
10：用于交易输入(安全访问)的指纹扫描垫
11：用于交易输入(安全访问)的眼球视网膜扫描垫
12：扫描输入键

Claims (17)

1.电子信用卡-ECC是一种智能卡。它是一种能够以电子方式发送并接收信息的电子设备。该设备用它的内部设备能够与主机通信，该主机是大型机或个人计算机(PC)。
2.ECC仅通过以下处理之一而操作(下文被称作SAC〔安全特许码〕)：
●一个用户控制的PIN(个人标识号)和/或
●一个用户标识的指纹签名(数字签名)和/或
●一个用户眼球视网膜签名(数字签名)。
这样的处理可包含在ECC中或通过本地或远端系统中的数据库。
音频传感器被用来确认通过ECC用户的PIN、指纹和眼球视网膜扫描签名的成功处理。
3.ECC具有一个内部的定时器，可以在一定的时间之后无效它的SAC。这个特性消除了当PIN和/或数字签名已被激活时使用被盗的ECC。
4.如果进行了预定次数的尝试发送SAC以获得对它的操作的访问，则ECC被自毁。这是为了在ECC被盗时防止欺诈行为。特许的批发商能够通过用于发行ECC的控制管理系统重新初始化ECC。
5.ECC可以在交易站(下文被称作TS)通过由发行公司或组织控制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。
ECC是通过以下方式之一或以下方式的结合而与TS通信的一种智能设备：
●红外电信处理(图4)和/或
●无线频率电信处理(图5)和/或
●磁感应电信处理(图6)和/或
●有线电信(图7)处理。
6.ECC能够通过上述它的电信方式之一向计算机系统下载信息。这确保了在电源替换或充电时数据的完整性。另外它还方便了交易记录。
7.发送SAC的ECC对于每一个交易使用唯一的交易标识符。
8.ECC可被装入一个电子设备或装置中。这样的结合的例子是装入移动电话中。
9.ECC能够与链接至本地或远端系统控制功能的TS同步或独立地产生它自己的交易号。TS可以或能够是具有这样的功能的因特网站。
10.ECC金融限额可以通过与链接至本地或远端站系统控制功能的TS而被检验。一旦达到了它的金融限额，这控制ECC不产生进一步的交易。这种限额资金的功能是一种可以由发行ECC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的可选方式。
11.ECC可以通过自动取款机(ATM)管理系统给或从ATM交易资金(这示出于图3)。这使得ECC能够提供并支持现金越来越少的社会。ECC也可以链接至个人计算机(PC)以提供并支持这样的交易(这示出于图2)。
12.ECC可以与TS交易电子现金而代替信用卡/借方卡资金。这可被用作一种外汇兑换设备，以便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。
13.因为每笔交易只能被ECC用它的唯一交易标识符产生，所以ECC防止批发商使用未检验的交易。批发商不能产生唯一的交易标识符。
14.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。键盘可被设计成具有圆的或方的按键。
15.ECC可以在后面装磁带条并在前面装键盘以方便SAC电信。音频传感器可被用作电信设备以通过电话线用TS设备向批发商发送SAC以处理交易。
16.ECC可被用于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/公司分配的卡。
17.ECC可以保留被批准信用卡/借方卡金融限额的信用卡/借方卡，并提供给用户(客户)有关他或她的账户限额未结算的他或她的金融收支差额的信息。这可用于一个或多个信用卡/借方卡账户。
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WO2001061640B1 (en) 2001-11-22
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US7278581B2 (en) 2007-10-09
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US7533828B2 (en) 2009-05-19
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JP2012027914A (ja) 2012-02-09
KR100783655B1 (ko) 2007-12-07

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