TWI269243B - Method and device for initiating personal financial banking functions - Google Patents

Abstract

The invention provides a method and device for initiating personal banking functions. An initiating medium with a function of storing user-specific identification data is employed to form a safety protection means for initiating personal financial banking functions for the user. Therefore, the user is able to use the aforementioned initiating medium to read and link financial banking devices established by a banking institution. After the personal identification data being entered into the financial banking device by the user, it is checked to see if it matches the data stored in the initiating medium in order to complete a first-stage protection means, and if they match, a second-stage protection means is initiated to perform account input and verification. When the two aforementioned protection means are both recognized to be correct, the user is allowed to start personal financial banking functions on the banking device to conduct various banking functions such as money withdrawal, paying, transfer, balance inquiry, and credit card charging verification.

Description

With the promotion of credit, gold and convenience of plastic money & force, plus financial institutions and ATMs: ATMs are widely deployed on ATMs, and even more, the government The agency is also constantly climbing the sub-storage media will become 4 ^, affirmation, apparently, wafer-based electricity today, there is no clear use of the media. Or identity voucher; card 2::: use card, financial card, cash card, card type of card ^ use white no n will be cast users, such as ATM withdrawal, and: two ί: gold : The financial device 1 card machine built by the organization will continue to open the system, or through the connection between the computer and the network =:;: The key component of the key component will open the designated financial account or. The second entry of the plastic currency and the voucher card is only through the simple two: two; Γ = mechanism, and can not effectively achieve the safety of the second work: plus the user's memory for the convenience of passwords, and more repentant passwords, No^

1269243 丨丨·5, invention description (2) _ ί: 不 不 人 人 的 的 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗 盗Chromium, 4 I ” ” ” ” ” ” π π π π π π π π π π π π π π π π π π π π π π π π π π π π π π π π π π SUMMARY OF THE INVENTION The main purpose of the invention is to solve the above-mentioned shortcomings and avoid the use of startup media and financial devices by the initiators: Finance, i:::: The financial function of the person should be made at the request. The original media application is correct, and the personal financial function is started. The personal injury function is compared with the correct information. The account can be activated. The personal financial function of the user must not be stolen or placed. . The female personal protection method and the device for the above purposes, the personal access method and device of the present invention mainly utilizes personal finance: a device capable of starting the mechanism to start the activation media used by the account,;::;:: In the financial personal characteristics of personal identification data, the storage user has a personal patent with the above-mentioned 裎 弘 弘 ▲ 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 、 έ Start Meng's account or financial function, scoop = to the link device: you can read the link, cooperate with the user to use 3! ̄ mobile media and financial identification data, after the start of the media and the above In the identification of the personal first-protection mechanism, the second two-material identification is started to correctly complete the side-party mechanism, and the account is started. Page 6 1269243 V. Invention Description (3) m: Two identification data input and verification, in the above 1, To carry out the withdrawal, the user pays to start personal financial work in the financial device: and so on. Transfer, account, balance, and credit card payment; [Embodiment] The technical content and detailed description of the present invention are now described in conjunction with the diagram: Personal financial utilitarians use the above two construction equipment and the financial 4 Ϊ J: 岫j\' is built by various financial institutions in each facility! Department is - cloth construction / 夂 local: two - map In a specific embodiment, the gold-filling machine and the card reader are built in the mouth of the machine, the ATM depositing machine, the ATM depositing machine, and the first one are provided for the start-up two: the financial device i is activated. Media 2 rounds produce a read far 4 s ^ can 1 0 or read position. The production of Wang Jing takes the link of the group's evil. The description of Meng Rongxi is further wired or wirelessly: the data input unit U provides the user with the input as the first identification when the financial startup personal financial function is activated. The user of the data is placed for the first protection mechanism to compare the identification using the V-shell; the bucket input unit 11 is a fingerprint input unit and a retina (iris) scan in the device architecture of the embodiment of the present invention. Unit, sound erection > audio) input unit, body odor input unit, DNA sampling input analysis ^ 1269243 5, invention description (4) and so on. The foregoing financial device 1 may be a credit card swipe machine equipped with a data input unit 11 as shown in the second figure or connected to the network as shown in the third figure in another specific embodiment. An electronic product, such as a computer, a mobile phone, a digital assistant (PDA), a smart communication device (SMART P HONE), etc., and the electronic product is provided with or connected to the data input unit 1 1 mentioned above. The Internet is linked to the financial institution's website to perform electronic financial transaction operations. On the personal financial front, the financial person is a thin, personal storage user and in the first, such as the identity of the iris) personal gold root structure. The description of the production function of the account of the account is described in the electronic body of the open-faced electronic body 21, the personal financial protection code and other external identification funds, voice account, according to the same time from the time of the same reading, the financial mobile media input company The voucher, such as the chip account number or the machine production 'more feed characteristics (the first of the audio is a preferred time for the user to use the link to the above) to initiate a user transaction on the financial device 1 or In a specific implementation structure of the present invention, the binding element ^, such as a financial card, a credit card, a cash card card, etc., the boot media 2 is equipped with a storage function, in addition to providing general storage. Make 5 use Leica data or personal electronic voucher data, think that = one identification data use account worker:! At least - kind of user: Π) 1 valley, including: fingerprint, retina (body odor, DNA, etc., protection mechanism /, Initiation of each: the comparison of the money system judgment data. The application of the personal example of the Beishi case: the function start mechanism is set to the side of the financial function start mechanism

1269243 V. Invention description (6) If the material is identified correctly, if the correct one is identified or if the round entry is required again and the correct one is identified, the financial device 1 enters the second protection mechanism, and the user is required to input the second identification data and the account activation data. The user initiates (IV) an account such as a password by using the input unit 12 of the financial device, such as the process 312. The financial device 1 performs an identification comparison on the input account activation data, as in flow 314. The above process 314 identifies that the personal financial function of the user is automatically opened, and the user can perform various financial use demand functions such as withdrawal, payment, transfer, check balance, and credit card payment permission, such as the process 31 6 . After the operation of the financial function selected by Fancheng, the financial device 1 will further ask whether to continue other functional operations, such as the process 3 1 8, if the user chooses. Yes, then reply to the above process 3 1 6 to let the user continue other financial functions to stay, if the user selects "No", the financial device 1 will automatically log out and close the user's personal financial account, such as the process 3 2 〇 In the above process 3 1 4, if the account activation data identification comparison is incorrect, it will be required to input and perform the identification comparison again. For example, in process 322, if you determine that the number input is incorrectly identified, as in process 324, the same will be Payment: Body 2, please user to the original startup media] The issuing agency will issue the certificate, such as process 326. Do, ΪΓ: Input and identification of the first identification data and the second identification data are shipped: ίThe order is executed in sequence, and the above specific process examples are based on the identification of the ratio of 1 to f, and thus the protection mechanism and identity of the present invention are arranged to form a setting. As for the personal financial function of the present invention, the credit card or the network Road financial operation is controlled by the above first protection mechanism to control the credit card swipe

1269243 V. Licensing of inventions (7). The _ provided by the present invention must have a clear understanding of the mechanism of the activation mechanism of the singularity of the stipulations of the present invention;: == Example: used to explain two? Both the present and the other are considered to be other understandings described in the scope of the present invention, although the personal gold in this case has been discussed. It is also necessary to determine the specific implementation of the device and the device...but the implementation is large; the implementation mechanism of the activation mechanism is still the one in the invention. Within the scope of the dry garden

1269243 BRIEF DESCRIPTION OF THE DRAWINGS [Brief Description of the Drawings] The first drawing is an architectural diagram of a specific embodiment of the apparatus of the present invention. The second drawing is an architectural diagram of another embodiment of the apparatus of the present invention. The third drawing is an architectural diagram of still another embodiment of the apparatus of the present invention. The fourth drawing is a flow chart of the operation of the method of the present invention. [Main component symbol description] 1 A financial device 1 0 — Slot 12 — Input unit 2 — Start media 11 A data input unit 2 1 — Storage unit

Process 3 0 0~3 2 4

Page 12

Claims (1)

1269243 - a personal financial function activation mechanism, the device comprises a financial device. Identification; the data input unit of the financial device is provided, and the input unit of the financial device is provided to provide the second identification data. ^, 连, , ° The starter of the above financial device η 2 〇! Its;: financial card, credit card, ATM card, individual work; 'transmission: link yuan. The individual mentioned in the first paragraph of the stomach patent scope of the packaged voucher card is: there is a ί: the person stored in the boot media; the motivation 4 is such as the identity of the person. Department, system of equipment, AV 匕 / / 1 personal financial function to start the broadcast, retina (children's intelligence + personal identification = data, the temple of its -, the formation of individual individuals; _" Ear θ (a frequency), body odor, dNa judgment data. The first protection mechanism of the account is the same as the application of the patent scope system, wherein the personal financial function starter is relative to The above-mentioned startup media office: As early as, the first identification data input is the personal identification data of the emperor. 1269243 6. Patent application scope 6. The device for initiating the personal financial function mentioned in the first application of the patent scope ' The financial device is one of ATMs, ATM deposit machines, twisting machines, card readers, credit card readers, and electronic products that can be connected to the Internet. It is one of a computer computer, a mobile phone, a digital assistant (PDA), and a smart communication device (SM PHONE). 7. A device for the personal financial function described in claim 1 of the patent application, wherein the data is lost. The unit is one of a fingerprint input single retina (iris) scanning unit, a sound (audio) input unit, a rugged input unit, a DNA sampling wheel input analysis unit, etc. Knowing a taste, a method for starting a personal financial function, The start-up media containing a copy of the personal identification data, and the financial device linked to the data round 2, and input early, form a data read link and identification = ^ start the personal financial function first and second Protection mechanism, the = the startup media is placed in the financial device to obtain the data read link; the financial device recognizes that the boot media is correct, and the system requires the input of the first identification data; the underacter brother anti-side machine = data wheel entry unit input - Identification data; Second = clothing according to the boot media to read the original storage of the identification, people, poor input unit input data to perform identification than '" bedding first protection mechanism is correctly identified, and the financial 妒 f start 篦 _ mechanism 'Request to enter the second identification data: & clothing start brother ~ protection knowledge data using financial device input unit input 1269243 Scope of application for patents According to the second identification data of the input ^, the storage resources are all kinds of: t: the identification data is correct, and the operation of the function is started: • Operation and execution of the account. The personal identification film according to item 8 of the patent application scope, and the first identification data refers to one of the following: the velvet (audio), the body odor, and one of the DNAs. The ones mentioned in 8 items are passwords. The second identification data is the first identification data and the second operation of the gold identification and the second operation described in the eighth item of the mechanism of the two parties, and the execution mechanism can be arranged in a step-by-step interchange order. The system of the input system described by Fang Yi Shen, the: financial equipment identification data, and the number of rounds required to pay the above-mentioned startup media. Storage I!:: A dual protection mechanism for personal financial functions. The launching media for personal identification data, and the financial devices of the far-in and round-in units, form a data reading and protection mechanism. The method includes: A protection mechanism that uses the above-mentioned data to enter the housing, and the identification of the material that is read by the financial device to start the media storage is greater than the financial function of the person financial function, the retinal person financial function account, and the financial function identification data of the person who initiated the financial function. The financial function of the person is placed in the first defense, the financial loading and identification method is not included, and there is a data transmission link and identification of the input engine (the rainbow start material, the start input start the guard machine, the Fuda provides the incoming order comparison to the yuan wheel Enter the first identification person identification data Pill Brother 15 pages