Patent Application
20220300965
This patent application is based on, and claim priority from TAIWAN patent application serial number 110110241, filed on Mar. 22, 2021, the disclosure of which is hereby incorporated by reference herein in its' entirety.
The present invention relates to a smart transaction device, and more particularly, relates to a smart transaction device with multiple fingerprint recognition.
Recently, payment technologies that do not involve currency or material money have been developed, various simpler means for performing payment services are proposed, for example, utilizing smart transaction devices with IC chips to proceed transactions or payments. In addition to non-cash transactions commonly used by consumers such as credit cards and debit cards, various kinds of payment/transaction devices have been commercialized due to the rise of e-commerce and remote payment, such as smartcard that combines electronic tickets (stored-value cards, all-in-one cards . . . etc.) or various credit/debit cards have been widely used. Payment convenience of these cards and their high degree of security during the payment process are very important, these aspects should be seriously considered while proposing a novel payment method.
Utilizing smart transaction devices, including but not limited to, for example, various kinds of debit card, credit card, and electronic ticket to make payments in transactions are the traditional payment methods. In recent years, consumers are used to utilize the aforementioned smart transaction devices in financial transactions, such as purchasing goods (products) and/or services from stores, due to the rise of e-commerce and the rapid development of remote payment. Payment cards (such as ATM cards, etc.), having same or different account, can also be used to withdraw funds and/or transfer funds from the payment account associated with that card. In these financial transactions, various verification methods for these cards are usually used to ensure that owners of payment cards are actually authorized to use them. Known verification methods for these cards include user's signatures and personal identification codes.
In spite of attached security devices of these cards (smart transaction deice) are used by the consumer during transactions, however, in some cases it is still allowed to use smart transaction devices (for example, smart financial cards) during payment process and bypassing the attached security devices without applying any separate security devices. Therefore, it cannot prevent illegal use of these smart transaction devices (for example, smart financial cards) and theses devices are easy to be lost or stolen.
In response to the above-mentioned security concerns, the commercial demand for biometrics applications on these devices has rapidly increased. For security considerations of the smart transaction devices (for example, verification of smart financial cards), considering their efficiency, security, and non-intrusive requirements, applying fingerprint recognition technology to smart transaction devices has become a convenient and safe choice.
However, currently issued smart transaction devices with fingerprint recognition function, such as smart financial cards, they are usually provided a single fingerprint recognition device only, such as thumb fingerprint reading device. Although the user's biometric features are added in the smart financial card, it can still be fraudulently used by unauthorized people.
In order to solve the above drawbacks, the present invention proposes a smart transaction device with multiple fingerprint recognition, which includes a device body having a first surface and a second surface on the opposite side, a plurality of fingerprint sensing devices being respectively arranged on the first surface and the second surface to individually sense the fingerprints of different fingers of a user and store them in the memory as comparison data.
In one preferred embodiment, the plurality of fingerprint sensing devices include full fingerprint recognition, and the plurality of fingerprint sensing devices are arranged on the first surface and the second surface.
In one preferred embodiment, the device body further includes a microcontroller and a memory, the microcontroller is electrically connected to the plurality of fingerprint sensing devices to receive a plurality of fingerprint data of the user, and performs fingerprint registration or fingerprint comparison based on the plurality of fingerprint data.
In one preferred embodiment, the plurality of fingerprint sensing devices are capacitive fingerprint recognition sensors.
In one preferred embodiment, the plurality of fingerprint sensing devices are fingerprint recognition sensors manufactured by printing, photolithography and etching, laser transfer, fine metal mask sputtering or slit coating process.
In one preferred embodiment, the smart transaction device includes all kinds of financial cards, credit cards, electronic tickets, smart ID cards, access cards, fingerprint cards (keys) of laptops or similar electronic devices, remote controls, mobile phones, or USB containing confidential information Flash drive.
In one preferred embodiment, materials of the smart transaction device includes plastic, glass, flexible film, or metal.
In one preferred embodiment, the smart transaction device with multiple fingerprint recognition further includes a status display device controlled by a microcontroller to generate visual verification status prompts of the smart transaction device.
In one preferred embodiment, the plurality of fingerprint sensing devices are arranged on the first surface of the device body and the second surface on the opposite side, their configurations are based on user's way of holding the smart transaction device.
A method of operating a smart transaction device with multiple fingerprint sensing devices, the smart transaction device having a plurality of fingerprint sensing devices been configured at least on one of a first surface of the smart transaction device and a second surface on the opposite side thereof, and been configured in accordance with user's way of holding the smart transaction device, the method includes activating fingerprint sensing system of the smart transaction device, verifying whether input multiple fingerprint information through the plurality of fingerprint sensing devices is the user's preset fingerprint configuration information, if verification is failed, the smart transaction device requests a re-identification process, and proceeding with transaction after completing verification of the input multiple fingerprint information.
In one preferred embodiment, the method of activating fingerprint sensing system is to use the user's thumb to press the fingerprint sensing device on the first surface of the smart transaction device for more than a predetermined period of time.
In one preferred embodiment, the method of verifying whether the input fingerprint information is the fingerprint configuration information preset by the user is to transmit the user's real time fingerprint combinations to a microprocessor and compare them with the user's preset and stored fingerprint combinations, and then check if they are matched by the microcontroller.
In one preferred embodiment, the microcontroller is embedded inside the smart transaction device.
In one preferred embodiment, the user's fingerprint combination is determined by different combinations of the user's ways of holding the smart transaction device.
In one preferred embodiment, the user's fingerprint combination is determined by different combinations of the user's ways of holding the smart transaction device.
In one preferred embodiment, the method of operating a smart transaction device with multiple fingerprint sensing devices further includes detecting the posture or manner of the user's fingers holding the smart transaction device to detect whether the user is in the default emergency situation.
The components, characteristics and advantages of the present invention may be understood by the detailed descriptions of the preferred embodiments outlined in the specification and the drawings attached:
Some preferred embodiments of the present invention will now be described in greater detail. However, it should be recognized that the preferred embodiments of the present invention are provided for illustration rather than limiting the present invention. In addition, the present invention can be practiced in a wide range of other embodiments besides those explicitly described, and the scope of the present invention is not expressly limited except as specified in the accompanying claims.
Regarding the “connected” or “electrical coupled” used in this specification, it can mean that two or more components are directly physically connected or electrically contacted with each other, or indirectly physically connected or electrically contacted with each other, and ““connected” or “electrically coupled” can also refer to two or more components interoperating or acting.
To solve the issue that the smart transaction card will still be fraudulently used by unauthorized persons, even the user's biometric function is added to the smart transaction device. The present invention proposes a smart transaction device with multiple fingerprint recognition. Multiple fingerprint sensing areas are set on the top and bottom surfaces of the smart transaction device and make their pattern configuration matching user's hand-held way of holding device. The smart transaction device here is referred to, but is not limited to, for example, various financial cards, credit cards, and electronic tickets, which can also include such as smart ID cards, additional fingerprint keys (cards) of laptops or similar electronic devices, access control cards, remote controller, mobile phone, or USB flash drive containing confidential information, etc.
According to a preferred embodiment of the present invention, the material of the above-mentioned smart transaction device includes plastic, glass, flexible film, or metal.
The above descriptions provide examples of related configurations for a plurality of fingerprint sensing devices in a smart transaction device, various combinations of fingerprint sensing devices in the smart transaction device still belong to one aspect of the embodiments of the present invention. For example, a fingerprint sensor 104 is configured to be on the front side of the smart transaction device as shown in
A user utilizes the smart transaction device 200 to conduct a transaction, the user can choose non-contact sensing approach or can directly contact the chip 202 to obtain electric power. When the user conducts a transaction with non-contact sensing approach, the smart transaction device 200 is nearing the reading module (not shown), and the NFC antenna 205 reads the electromagnetic wave from the reading module to induce and generate the required power for operating the smart transaction device 200. The chip 202 includes an external contact electrode 202a, an integrated circuit (IC) inside it, which includes at least a microprocessor 208 and a memory 209, and a plurality of fingerprint sensing devices 204 (for example, the plurality of fingerprint sensing devices 104, 104a, 104b, 104c, 104d shown in
When the owner of the smart transaction device uses the device for the first time, pre-operations such as activating a credit card or a smart payment/transaction device should be performed first. The smart transaction device user/owner needs to perform password setting and input fingerprint (which includes inputting all fingerprints of each finger of the dominant hand and stored these data in the memory of the smart transaction device. After the smart transaction device activation process is completed, due to the configuration of the plurality of fingerprint sensing devices proposed in the present invention, it is equivalent to configuring and initiating the full fingerprint detection condition of the user's dominant hand in a specific area of the smart transaction device. For example, the user can choose and set the thumb fingerprint sensing area on the front of the smart transaction device as a fingerprint-detection activating module. In addition, an emergency alarming module can be set by combining the activation of both the thumb fingerprint sensing device on the front of the smart transaction device and the other finger fingerprint sensing device on the back of the smart transaction device, such as the middle finger fingerprint sensing device, an emergency alarming signal will be sent out silently to call for help in emergency situations, such as robbery, kidnapping or armed threat happening. In such situations, user only needs to press the thumb on thumb fingerprint sensing device on the front of the smart transaction device and the other finger, such as middle finger, on the other finger fingerprint sensing device on the back of the device at the same time, the emergency alarming module will be activated immediately. A plurality of pre-set fingerprint matching conditions can be set and used for the next stage of actions, these actions, such as direct financial transactions or verification code input before releasing financial transactions, can't be executed without passing the above pre-set fingerprint matching conditions. In an embodiment, the verification code may be an instant one-time password (OTP) sent by the card or the smart transaction devices issuing institution (for example, the issuing bank). Smart transaction devices made in this way can greatly increase security and reduce the risk of fraudulent use.
For the smart transaction device described in
While various embodiments of the present invention have been described above, it should be understood that they have been presented by a way of example and not limitation. Numerous modifications and variations within the scope of the invention are possible. The present invention should only be defined in accordance with the following claims and their equivalents.
| Number | Date | Country | Kind |
|---|---|---|---|
| 110110241 | Mar 2021 | TW | national |
