CN102609633A - IC card with identity recognition function and its security authentication system and method - Google Patents

Abstract

The invention provides an IC card with an identity recognition function and a security authentication system and method thereof. An IC card is provided, the IC card comprising: a card body having an Integrated Circuit chip mounted on a mounting surface for storing owner data; a fingerprint scanning device mounted on the mounting surface of the card body; and a control circuit unit operably installed in the card body, the control circuit unit including a central processing unit electrically connected to the fingerprint scanning device and the IC chip, an input/output communication module electrically connected to the central processing unit for communicating with an external computer host, and a power supply module for supplying power required by the components of the IC card.

Description

IC card with identity recognition function and its security authentication system and method

technical field

The present invention relates to an integrated circuit (IC) card, and more specifically relates to an IC card with identity recognition function, an IC card security authentication system, and a method for using the IC card to enhance transaction security .

Background technique

With the development and advancement of technology, plastic currency such as credit cards, debit cards, and many other cards that can provide small payment functions are becoming more and more popular. However, although these plastic coins are quite convenient to use, in case of loss, the owner must bear the risk of being stolen by others, so if the probability of non-owners using these cards can be minimized, it will make the owner risk reduction. In addition, since data can also be intercepted during transmission, if the data can not be used by others even if it is intercepted during transmission, it is more secure for the owner.

In addition, cards such as health insurance IC cards, company access control cards, and resident access control cards are also easy to be used fraudulently, so there is also a need for improvement.

In view of this, the inventor of this case, based on his many years of experience in this industry, and in the spirit of excellence, actively researched and improved, and then produced the present invention "an IC card with identity recognition function, an IC card security authentication system , and a method of using the IC card to enhance transaction security".

Contents of the invention

The object of the present invention is to provide an IC card with identity recognition function, an IC card security authentication system, and a method for using the IC card to enhance transaction security.

According to a feature of the present invention, an IC card suitable for data exchange with an external computer host is provided, the IC card is characterized in that it includes: a card body with suitable flexibility, the card body has a mounting surface and an integrated circuit (IC) chip mounted on the mounting surface for storing owner data; an integrated circuit (IC) chip mounted on the mounting surface of the card body to store owner data; A fingerprint scanning device on the mounting surface of the card body; and a control circuit unit operatively installed in the card body, the control circuit unit including a central processing unit electrically connected to the fingerprint scanning device and the IC chip , an output-input communication module electrically connected to the central processing unit for communicating with the external computer main body, and a power supply module for supplying electric power required by components of the IC card, by the construction as described above, when When the IC card is to exchange data with the external computer host, the user inputs the fingerprint data through the fingerprint scanning device, and the central processing unit compares the input fingerprint data with the owner's fingerprint data stored in the IC chip. If it is correct, the central processing unit will send a permission code to allow the IC card to carry out the next transaction with the external computer host.

According to another feature of the present invention, a method for enhancing transaction security using an IC card is provided, the IC card being characterized by comprising: a suitably flexible card body having a mounting surface and a an integrated circuit (IC) chip mounted on the mounting surface for storing owner data; a fingerprint scanning device mounted on the mounting surface of the card body; and a control operatively mounted within the card body A circuit unit, the control circuit unit includes a central processing unit electrically connected to the fingerprint scanning device and the IC chip, an output-input communication module electrically connected to the central processing unit for communicating with an external computer host, and a In the power supply module for supplying the power required by the components of the IC card, the method comprises the steps of: inputting the fingerprint data of the card user with a fingerprint scanning device; If the comparison is correct, the IC card is allowed to carry out the next data exchange with the external computer host, otherwise, the IC card is refused to carry out the next data exchange with the external computer host.

According to another feature of the present invention, a method for enhancing transaction security using an IC card is provided, the IC card being characterized by comprising: a suitably flexible card body having a mounting surface and a An integrated circuit (IC) chip mounted on the mounting surface for storing owner data; and a control circuit unit operatively mounted within the card body, the control circuit unit including an electrical connection to the IC chip A central processing unit, an output-input communication module electrically connected to the central processing unit for communicating with an external computer host, and a power supply module for supplying power required by components of the IC card, the method includes the following steps: Use an external facial feature extraction device to extract the facial feature data of the card user or scan the user's fingerprint data with a fingerprint scanning device; and store the extracted user facial feature data or user's fingerprint data in the IC chip If the comparison is correct, the IC card is allowed to exchange data with the external computer host, otherwise, the IC card and the external computer host are rejected. Carry out the next data exchange.

According to another feature of the present invention, an IC card security authentication system is provided, the system is characterized by comprising: an IC card, the IC card includes a card body with appropriate flexibility, the card body has a mounting surface and an integrated circuit (IC) chip mounted on the mounting surface for storing owner data; and a control circuit unit operatively mounted in the card body, the control circuit unit including an electrical connection to the A central processing unit of the fingerprint scanning device and the IC chip, an output-input communication module electrically connected to the central processing unit for communicating with an external computer host, and a power supply module for supplying power required by components of the IC card ; a host computer, the host computer is used for data exchange with the IC card, the host computer includes: a storage card owner's fingerprint data and card owner facial feature data memory; a card user for extracting A facial feature data extraction device for facial feature data; and a central processing unit electrically connected to the memory and the facial feature data extraction device; and at least one installed in at least one of the IC card and the computer host Fingerprint scanning device, by the above-mentioned structure, when the IC card is to exchange data with the host computer, the user inputs fingerprint data through the fingerprint scanning device, and the central processing unit will store the input fingerprint data in the IC The owner's fingerprint data in the chip is compared. If the comparison is correct, the central processing unit will send a permission code to allow the IC card to conduct the next transaction with the external computer host, or the facial feature extraction device will extract the card user. and compare the extracted user facial feature data with the card owner’s facial feature data stored in the IC chip. If the comparison is correct, the IC card is allowed to communicate with the external computer host. The next step of data exchange, otherwise, reject the next step of data exchange between the IC card and the external computer host.

Description of drawings

Fig. 1 is a schematic plan view showing an IC card of an embodiment of the present invention;

Fig. 2 is a schematic circuit block diagram showing an IC card of an embodiment of the present invention;

Fig. 3 is a schematic flowchart showing the verification of an IC card according to an embodiment of the present invention;

Fig. 4 is another schematic flow chart showing the verification of the IC card of an embodiment of the present invention;

Fig. 5 is a schematic perspective view of an external computer mainframe showing the IC card security authentication system of an embodiment of the present invention;

Fig. 6 is a schematic circuit block diagram showing the external computer of Fig. 5;

Fig. 7 is a schematic perspective view of a monitoring camera showing an IC card security authentication system according to an embodiment of the present invention;

Fig. 8 is a schematic plan view showing an IC card of another embodiment of the present invention; and

FIG. 9 is a schematic view showing an automatic cash dispenser suitable for use with an IC card according to an embodiment of the present invention.

[Description of main component symbols]

1 card body

2 keyboard device

3 Fingerprint scanning device

4 RFID antennas

5 LCD display

6 Control circuit unit

10 Mounting surface

11 IC chips

60 central processing unit

61 communication module

62 power module

7 External computer host

70 body

71 Fingerprint scanning device

72 Image extraction device

73 keyboard device

74 LCD display unit

75 host control circuit

8 USB interface

MON monitor

N1 steps

N2 steps

N3 steps

N10 steps

N20 steps

N30 steps

N40 steps

R 360-degree infrared scanning card reader

Detailed ways

In the following detailed description of preferred embodiments of the present invention, the same or similar components are denoted by the same reference numerals, and their detailed descriptions will be omitted. In addition, in order to clearly reveal the features of the present invention, components in the drawings are not drawn in actual scale.

1 is a schematic plan view showing an IC card with an identification function according to a preferred embodiment of the present invention, and FIG. 2 is a schematic block diagram showing an internal circuit of the IC card.

Please refer to Fig. 1 and shown in Fig. 2, the IC card of the preferred embodiment of the present invention roughly comprises a card body 1, a keyboard 2, a fingerprint scanning device 3, the RFID (Radio RFID) embedded in this card body 1. Frequency Identification) antenna 4, an LCD display 5, and a control circuit unit 6.

In this embodiment, the card body 1 has a certain degree of flexibility so as to avoid breaking due to careless bending. The card body 1 has a mounting surface 10 and an IC chip 11 mounted on the mounting surface 10 as in the present general credit cards, debit cards and the like. In this preferred embodiment, the IC chip 11 can store at least one card owner's account data, the card owner's facial feature data, the card owner's fingerprint data, the card owner's ID number, the card owner's Information such as date of birth.

The keyboard 2 is made of suitable flexible material and is operatively installed on the mounting surface 10 of the card body 1 so that it can be operated by the card user to input desired data. It should be noted that, in addition to the general number keys, the keyboard 2 can also have function keys like addition, subtraction, multiplication and division. By operating the keyboard 2, the current consumption amount of the IC card can also be set and then paid through the contact and/or non-contact card reader. By operating the keyboard 2, the mutual authentication of the password and the external transaction host (not shown in the figure) can also be started.

The fingerprint scanning device 3 is operatively installed on the mounting surface 10 of the card body 1 so as to be moved to scan the user's fingerprint data. With the help of the fingerprint scanning device 3 and the stored fingerprint data, the IC card conducts all B-to-B (B to B), B-to-C (B to C), C-to-C (C to C) or bank account transactions with the transaction host. The transfer transaction can be completed without entering a password.

The RFID antenna 4 is buried in the card body 1 and is circumvented in the most appropriate manner so that the data of the IC card can be selectively exchanged with the external transaction host in a wireless manner.

The LCD display 5 is made of suitable flexible material and is operatively installed on the mounting surface 10 of the card body 1 so as to display information such as account number, transaction amount, transaction status and the like. The LCD display screen 5 can also display a single transaction amount, accumulated transaction amount, etc. to achieve the purpose of personal financial management.

The control circuit unit 6 is operatively installed in the card body 1 and includes a central processing unit 60 electrically connected to the fingerprint scanning device 3, the keyboard 2, and the LCD display 5, and a central processing unit 60 electrically connected to the central The processing unit 60 and the communication module 61 of the IC chip 11, and a power supply module 62 for supplying power required by all components of the IC card. The communication module 61 is also connected with the RFID antenna 4 . The power supply module 62 can be a general battery as a button battery, or can be made of a battery pack or a capacitor assembly of contact or non-contact induction power so that it can be connected with an external computer host in a contact or non-contact manner. During communication, power can be temporarily stored in it to provide the power required by the components of the IC card.

Please refer to shown in Fig. 3, take the credit card as example, when the IC card of this preferred embodiment will conduct transactions with the external computer host (card reader), in step N1, the IC card user can utilize the keyboard 2 to select The credit card account number of the desired transaction, and then the central processing unit 60 of the IC card will require the user to use the fingerprint scanning device 3 to input fingerprint data. After the user's fingerprint data is input, in step N2, the central processing unit 60 compares the input user's fingerprint data with the owner's fingerprint data stored in the IC chip 11 . If the comparison is correct, then the central processing unit 60 will send a permission code to allow the IC card to carry out the next transaction with the external computer host in step N3, otherwise, refuse to carry out the next step transaction with the external computer host.

It should be noted that the communication between the IC card and the external computer host can be achieved via traditional contact or non-contact via RFID antenna. On the other hand, when the IC card only stores one owner account data or the selection of owner account data can be set by an external computer host, the step N1 of selecting transaction data can also be omitted.

Then, please refer to Fig. 4 and please refer to shown in Fig. 9, take the cash withdrawal card as an example, when the IC card of this preferred embodiment is to conduct transactions with the automatic teller machine ATM via the IC card interface M1, except as The IC card described in Fig. 3 can be outside self-authentication (steps N10 and N20), after self-authentication is completed, the authentication of external computer transaction mainframe can be carried out, that is, in step N30, the monitoring of automatic teller machine ATM The camera (not shown in the figure) will extract the user's facial feature data, and then compare it with the owner's facial feature data stored in the IC card. If the comparison is correct, the central processing unit 60 will send a permission code to allow the next transaction with the automatic teller machine in step N40, otherwise, refuse to carry out the next transaction with the automatic teller machine.

It should be noted that when the permission code is transmitted, it can be coded, encrypted and integrated with the transaction time code to form a security code that can only be used once so as to prevent it from being intercepted for embezzlement during transmission.

The dual authentication method shown in FIG. 4 can also be applied to credit card transactions. Please refer again to shown in Fig. 4, take the credit card as example, when the IC card of this preferred embodiment will conduct transactions with the external computer host (card reader), the IC card user can utilize keyboard 2 to select the credit card that wants to trade earlier account number (step N10), and then the central processing unit 60 of the IC card will require the user to input fingerprint data using a fingerprint scanner. After the user's data is input, the central processing unit 60 compares the input user's fingerprint data with the owner's fingerprint data stored in the IC chip 11 (step N20). If the comparison is correct, then the central processing unit 60 will send a permission code to allow the IC card to carry out the next transaction with the external computer host, otherwise, refuse to carry out the next step transaction with the external computer host.

If the self-authentication of the IC card is passed, the IC card is connected to the external computer host because of the permission code. At this time, the external computer host will require the user to scan the fingerprint again to obtain the user's fingerprint data or extract the user's facial feature data with a camera. The user's fingerprint data or user's facial feature data is then compared with the owner's fingerprint data or owner's facial feature data stored in the external computer host (step N30). If the comparison is correct, the IC card is allowed to carry out the next transaction with the external computer host (step N40), otherwise, the next step transaction with the external computer host is refused.

Fig. 5 is a schematic diagram of an external computer mainframe (card reader) 7 depicting the IC card transaction authentication system of a preferred embodiment of the present invention.

As shown in FIG. 5 , the external computer mainframe 7 may include a main body 70, a fingerprint scanning device 71, an image extraction device 72, a keyboard device 73, an LCD display unit 74 and an internal display unit installed in the main body 70. Host control circuit 75 (see FIG. 6 ).

When the external computer host 7 is going to conduct transactions with a connected IC card, the user can input fingerprint data via the fingerprint scanning device 71 . The host computer 7 will then compare the input fingerprint data with the card owner's fingerprint data stored in the IC card. If the comparison is correct, the host control circuit 75 allows the next transaction with the IC card, otherwise, refuses to carry out the next transaction with the IC card.

The IC card of the present invention can be used in any field requiring identity authentication, for example, VIP rooms of airlines, VIP cards or discount cards of chain stores, door lock cards of hotels, company identification cards, building user cards and the like. By means of the owner's facial feature data stored in the IC card and the monitor MON (see Figure 7) with a 360-degree infrared scanning card reader R generally placed in various places to extract the user's facial feature data for comparison Yes, that is, it can immediately discover that the IC card has been stolen and give a warning or other appropriate treatment. Certainly, the IC card like the health insurance card can also use the IC card of the present invention so that there will be no fraudulent use through fingerprint authentication.

It should be noted that the IC card can be set so that when the amount is less than a specified amount, the transaction can be performed without authentication, so as to achieve the purpose of small-amount payment convenience.

Please refer to shown in FIG. 8 , the IC card of the present invention can also be connected with an external host computer such as a notebook computer or a desktop computer P through a USB interface 8 . The power of the IC card can be activated by fingerprint data comparison or password, and the online transaction of B to B, B to C, C to C, etc. can be carried out through the computer network, or the function of making transfer or payment with the bank account. It should be noted that the USB interface 8 can be any plug-and-play USB interface suitable for connecting with an external computer host, including standard USB, MINI USB, and the like.

In summary, "an IC card with identity recognition function, an IC card security authentication system, and a method for using the IC card to enhance transaction security" of the present invention can indeed pass through the structure disclosed above. , device, achieve the expected purpose and effect, and have not been seen in publications or used publicly before the application, which meets the elements of novelty and progress of the invention patent.

Although the drawings and descriptions are disclosed above, they are only embodiments of the present invention and are not intended to limit the embodiments of the present invention; those skilled in the art can make other equivalent changes or modifications according to the characteristic scope of the present invention , should be covered within the scope of the following claims in this case.

Claims (9)

1. an integrated circuit (IC) blocks, and it is suitable for carrying out exchanges data with an outer computer main frame, comprises:

One has suitably flexible card body, and this card body has an installation surface and one and is installed on being used on this installation surface and stores integrated circuit (IC) chip of owner's data;

Finger scan device on installation surface that is installed on this card body; And

A control circuit unit that is installed on operationally within this card body; This control circuit unit comprises that a CPU that is electrically connected to this finger scan device and this IC chip, one are electrically connected to being used for and the output input communication module of this outer computer main-machine communication, and the power module of the required electric power of assembly that is used to supply IC-card of this CPU

By aforesaid structure; When this IC-card will carry out exchanges data with this outer computer main frame; The user is through finger scan device input finger print data; CPU can compare the finger print data of input and the owner's finger print data that is stored in the IC chip, and than correct, this CPU can be sent one and allowed sign indicating number to carry out next step transaction to allow IC-card and outer computer main frame.

2. IC-card as claimed in claim 1 also comprises one and buries in the intrinsic RFID antenna that is connected with this communication module of this card so that IC-card can be with wireless mode and outer computer host exchanging data.

3. IC-card as claimed in claim 2; Also comprise one by the LCD display that has on the installation surface that suitable flexible material processed and be installed on operationally this card body, this LCD display and this CPU are electrically connected and make it possible to show transaction data.

4. IC-card as claimed in claim 3 also comprises one by the keyboard that has on the installation surface that suitable flexible material processed and be installed on operationally this card body, and this keyboard is operationally imported the data of hope.

5. IC-card as claimed in claim 1 also comprises one and processes and be installed on operationally the organic or inorganic display at the back side opposite with this installation surface of this card body by having suitably flexible material.

6. IC-card as claimed in claim 1 also comprises one and is used for the plug and play plug that is connected with this outer computer main frame.

7. a use is as promoting the method for transaction security at the integrated circuit card described in the claim 1 (IC-card), and this method comprises following steps:

Finger print data with finger scan device input card user; And

Compare the card user finger print data of input and the card owner finger print data that is stored in the IC chip; If compare correct; Then allow this IC-card and outer computer main frame to carry out next step exchanges data; Otherwise, refuse this IC-card and this outer computer main frame and carry out next step exchanges data.

8. a use is as promoting the method for transaction security at the integrated circuit card described in the claim 1 (IC-card), and this method comprises following steps:

Scan user's finger print data with outside face feature extraction element extraction card user's face feature data or with the finger scan device; And

Compare the user's face feature data extracted or user's finger print data and the card owner face feature data or the owner's finger print data that are stored in the IC chip; If compare correct; Then allow this IC-card and outer computer main frame to carry out next step exchanges data; Otherwise, refuse this IC-card and this outer computer main frame and carry out next step exchanges data.

9. an integrated circuit (IC) card security authentication system is characterized in that being to comprise:

A kind of as at the IC-card described in the claim 1;

One main frame, this main frame are to be used for carrying out exchanges data with this IC-card, and this main frame comprises: one stores card owner finger print data and card owner face feature memory of data; A face feature data extract device that is used to extract card user face feature data; And CPU that is electrically connected to this storer and this face feature data extract device; And

At least one is installed at least one the finger scan device in this IC-card and this main frame,

By aforesaid structure, when this IC-card will carry out exchanges data with this main frame, the user was through finger scan device input finger print data; CPU can compare the finger print data of input and the owner's finger print data that is stored in the IC chip; Than correct, this CPU can be sent one and allowed sign indicating number to carry out next step transaction to allow IC-card and outer computer main frame, perhaps; The face feature extraction element extracts card user's face feature data; And compare the user's face feature data extracted and the card owner face feature data that are stored in the IC chip,, then allow this IC-card and outer computer main frame to carry out next step exchanges data if than correct; Otherwise, refuse this IC-card and this outer computer main frame and carry out next step exchanges data.

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