CN101303755A - Electronic mobile device and electronic transaction method - Google Patents

Abstract

The invention discloses an electronic mobile device wirelessly connected to a Point of Sale information management system for carrying out electronic transaction and an electronic transaction method thereof. The electronic mobile device stores at least one registered fingerprint feature, at least one encrypted authentication transaction password, at least one encrypted electronic credit card code, and at least one electronic credit card basic data. The electronic mobile device compares the fingerprint features captured from the user with the at least one registered fingerprint feature. If the comparison result is that the electronic mobile device is corresponding to the electronic credit card, the electronic mobile device can utilize one of the encrypted authentication transaction passwords and one of the encrypted electronic credit card codes to select the corresponding electronic credit card basic data to perform the electronic transaction.

Description

Electronic mobile device and electronic transaction method

technical field

The present invention relates to a mobile device capable of conducting an electronic transaction with a point of sale (Point of Sale) information management system and its electronic transaction method; more specifically, it relates to a mobile device that uses fingerprints to initiate an electronic transaction Device and electronic transaction method thereof.

Background technique

With the rapid development of science and technology, electronic mobile devices, such as mobile phones, have become an indispensable item in modern life. It not only shortens the distance between people, but also provides more convenient functions, such as The music playing function of the MP3 player and the photography function of the camera and so on. Another indispensable item for modern people is the credit card. Due to the appearance of the credit card, people do not need to carry a large amount of cash with them when they go out. This not only reduces the risk of cash theft, but also increases the convenience of economic behavior.

Today's main credit card transaction process is: the credit card is swiped through the credit card reader first, then the transaction is executed through the Point of Sale (POS) information management system, and finally the credit card holder's signature is required to complete the entire transaction process. There are several drawbacks to today's credit card transaction process. First of all, for the busy modern life, the aforementioned process causes the user to wait too long. At the same time, during the waiting process, the credit card may not be in the user's sight, hiding the possibility of being stolen. On the other hand, most users now have more than one credit card, which increases the risk of loss and theft.

In recent years, as computer security issues have been paid more and more attention, it has become a new wave to abandon passwords and return to "biometric identification technology" that uses human characteristics as the main body of identification. Biometric technology is the use of unique biological characteristics of the human body, such as fingerprints, irises and voiceprints, to identify identities. However, since the current credit card transactions still use the signature structure, it is difficult to directly replace it.

To sum up, in the existing credit card transaction process, there are still risks of taking too long to complete the transaction and credit card being lost or stolen. Therefore, how to combine mobile phones and credit cards, two necessary items for modern people, to shorten the time spent on the entire credit card transaction process and reduce the risk of credit card loss and theft, thereby creating a new credit card transaction mechanism, It is a goal that the industry still needs to work hard to solve.

Contents of the invention

An object of the present invention is to provide an electronic mobile device wirelessly connected to a point of sale (Point of Sale) information management system to conduct an electronic transaction. The electronic mobile device includes a capturing module, a storage module, a processing module and an authentication transaction module. The capturing module is used for capturing a fingerprint of a user. The storage module is used for storing at least one registered fingerprint feature, at least one encrypted authentication transaction password and at least one encrypted electronic credit card code, wherein each of the at least one registered fingerprint feature is pre-generated according to a fingerprint of a legal user. The processing module is used to process the captured fingerprint to generate a captured fingerprint feature; the processing module is used to determine that the captured fingerprint feature corresponds to the at least one registered fingerprint feature, so as to obtain the at least one encrypted authentication transaction password and the at least one encrypted electronic credit card code; the processing module is used to decrypt the encrypted authentication transaction password to obtain a selected authentication transaction password; and the processing module is used to decrypt the encrypted electronic credit card code to obtain a selected electronic credit card code. The authentication transaction module is used to store at least one electronic credit card basic information; the authentication transaction module is used to retrieve the at least one electronic credit card basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password; and the authentication The transaction module is used for sending the at least one electronic credit card basic data to the POS information management system.

Another object of the present invention is to provide an electronic mobile device wirelessly connected to a POS information management system for conducting an electronic transaction. The electronic mobile device includes: an acquisition module, a processing module and an authentication transaction module. The capturing module is used to capture a fingerprint of a user; the processing module is used to process the fingerprint to generate a captured fingerprint feature. The authentication transaction module is used for storing at least one registered fingerprint feature, each of which is pre-generated according to a fingerprint of a valid user. The authentication transaction module is used to store at least one electronic credit card basic information; the authentication transaction module is used to determine that the extracted fingerprint feature corresponds to the at least one registered fingerprint feature, and the authentication transaction module is used to transmit the at least one electronic credit card basic information to the point of sale information management system.

Yet another object of the present invention is to provide an electronic mobile device wirelessly connected to a point-of-sale information management system for conducting an electronic transaction. The electronic mobile device includes a retrieval module, a storage module, a processing module and an authentication transaction module. The capture module is used to capture a fingerprint of a user; the storage module is used to store at least one registered fingerprint feature, at least one electronic credit card identity information, at least one encrypted authentication transaction password and at least one encrypted electronic credit card code, each of which The at least one registered fingerprint feature is pre-generated according to a fingerprint of an authorized user. The processing module is used to process the captured fingerprint to generate a captured fingerprint feature to determine that the captured fingerprint feature corresponds to the at least one registered fingerprint feature; the processing module is used to generate a display message to instruct display The at least one electronic credit card identity information; the processing module is used to obtain the at least one encrypted authentication transaction password and the at least one encrypted electronic credit card code according to a selected signal, the selected signal includes the at least one electronic credit card identity information; the The processing module is used to decrypt the encrypted authentication transaction password to obtain a selected authentication transaction password; and the processing module is used to decrypt the encrypted electronic credit card code to obtain a selected electronic credit card code. The authentication transaction module is used to store at least one electronic credit card basic information, so as to retrieve the at least one electronic credit card basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password, and send it to the point of sale information management system.

Yet another object of the present invention is to provide an electronic mobile device wirelessly connected to a point-of-sale information management system for conducting an electronic transaction. The electronic mobile device includes a capturing module, a processing module and an authentication transaction module. The capturing module is used to capture a fingerprint of a user; the processing module is used to process the fingerprint to generate a captured fingerprint feature. The authentication transaction module is used for storing at least one registered fingerprint feature, each of which is pre-generated according to a fingerprint of a valid user. The authentication transaction module is used to store at least one electronic credit card identity information and at least one electronic credit card basic data; the authentication transaction module is used to judge that the captured fingerprint feature corresponds to the at least one registered fingerprint feature. The processing module is also used to generate a display message to instruct to display the identity information of the at least one electronic credit card, the processing module is used to obtain the basic information of the at least one electronic credit card according to a selected signal, and the authentication transaction module is also used to transmit The basic information of the at least one electronic credit card is sent to the point-of-sale information management system.

Another object of the present invention is to provide an electronic transaction method for an electronic mobile device. The electronic mobile device is wirelessly connected to a point-of-sale information management system to conduct an electronic transaction. The electronic mobile device includes a capturing module, a storage module, a processing module and an authentication transaction module. The storage module stores at least one registered fingerprint feature, at least one encrypted authentication transaction password and at least one encrypted electronic credit card code, and each of the at least one registered fingerprint feature is pre-generated according to a fingerprint of a valid user. The authentication transaction module stores at least one electronic credit card basic information. The electronic transaction method includes the following steps: causing the capturing module to capture a fingerprint of a user; causing the processing module to process the captured fingerprint to generate a feature of the captured fingerprint; allowing the processing module to judge the captured fingerprint The feature corresponds to the at least one registered fingerprint feature, so as to obtain the at least one encrypted authentication transaction password and the at least one encrypted electronic credit card code; make the processing module decrypt the encrypted authentication transaction password to obtain a selected authentication transaction password; make the processing The module decrypts the encrypted electronic credit card code to obtain a selected electronic credit card code; the authentication transaction module retrieves the at least one electronic credit card basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password; The authentication transaction module transmits the basic information of the electronic credit card to the point of sale information management system.

Another object of the present invention is to provide an electronic transaction method for an electronic mobile device. The electronic mobile device is wirelessly connected to a point-of-sale information management system to conduct an electronic transaction. The electronic mobile device includes an acquisition module, a processing module and an authentication transaction module, the authentication transaction module stores at least one registered fingerprint feature and at least one electronic credit card basic data, each of the at least one registered fingerprint feature is based on a legal user A fingerprint of is pre-generated. The electronic transaction method includes the following steps: causing the capturing module to capture a fingerprint of a user; causing the processing module to process the fingerprint to generate a captured fingerprint feature; making the authentication transaction module determine that the captured fingerprint feature corresponds to The at least one registered fingerprint feature; and causing the authentication transaction module to transmit the at least one electronic credit card basic data to the point-of-sale information management system.

Another object of the present invention is to provide an electronic transaction method for an electronic mobile device wirelessly connected to a point-of-sale information management system for an electronic transaction. The electronic mobile device includes a capturing module, a storage module, a processing module and an authentication transaction module. The storage module stores at least one registered fingerprint feature, at least one electronic credit card identity information, at least one encrypted authentication transaction password and at least one encrypted electronic credit card code, and each of the at least one registered fingerprint feature is pre-generated according to a fingerprint of a legal user. The authentication transaction module stores at least one electronic credit card basic information. The electronic transaction method includes the following steps: causing the capturing module to capture a fingerprint of a user; causing the processing module to process the captured fingerprint to generate a feature of the captured fingerprint; allowing the processing module to judge the captured fingerprint The feature corresponds to the at least one registered fingerprint feature; make the processing module generate a display message to instruct to display the at least one electronic credit card identity information; make the processing module obtain the at least one encrypted authentication transaction password and the At least one encrypted electronic credit card code, the selected signal selects the at least one electronic credit card identity information; makes the processing module decrypt the encrypted authentication transaction password to obtain a selected authentication transaction password; makes the processing module decrypt the encrypted electronic credit card code To obtain a selected electronic credit card code; make the authentication transaction module retrieve the at least one electronic credit card basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password; and make the authentication transaction module send the electronic Credit card basic information to the point of sale information management system.

A second object of the present invention is to provide an electronic transaction method for an electronic mobile device wirelessly connected to a point-of-sale information management system to conduct an electronic transaction. The electronic mobile device includes an acquisition module, a processing module and an authentication transaction module, the authentication transaction module stores at least one registered fingerprint feature, at least one electronic credit card identity information and at least one electronic credit card basic data, each of the at least one registered fingerprint The signature is pre-generated based on a fingerprint of an authorized user. The electronic transaction method includes the following steps: causing the capturing module to capture a fingerprint of a user; causing the processing module to process the fingerprint to generate a captured fingerprint feature; making the authentication transaction module determine that the captured fingerprint feature corresponds to The at least one registered fingerprint feature; make the processing module generate a display message to instruct to display the identity information of the at least one electronic credit card; make the processing module obtain the basic information of the at least one electronic credit card according to a selected signal; and make the authentication The transaction module transmits the basic data of at least one electronic credit card to the POS information management system.

The present invention can use a mobile device to carry out electronic credit card transactions, wherein multiple electronic credit cards (such as credit cards of different issuing banks) can be stored in the mobile device, and can be input according to different fingerprints of the user (such as the index finger and big finger of the same user) Thumb, etc.) to select the corresponding credit card for transactions, and because the security mechanism of the transaction uses fingerprints, fingerprints are unique features of each person, enough to identify the identity of the user, so there is no need to sign after the transaction . The present invention can also first judge whether the user is a legal user according to the fingerprint input by the user. After judging that the user is a legitimate user, the user decides which credit card to use.

To sum up, the present invention can effectively solve the problems of long transaction time and inconvenient carrying of credit cards in existing credit card transactions, and reduce the risk of credit card loss and theft. Furthermore, since the present invention performs identity verification, electronic credit card processing, and electronic transaction actions in a safe environment, a safe transaction environment is provided.

After referring to the accompanying drawings and the implementation methods described later, those skilled in the art can understand other objectives of the present invention, as well as the technical means and implementation aspects of the present invention.

Description of drawings

Fig. 1 is the schematic diagram of the first embodiment of the present invention;

Fig. 2 is the schematic diagram of the second embodiment of the present invention;

Fig. 3 is the schematic diagram of the third embodiment of the present invention;

Fig. 4 is the schematic diagram of the fourth embodiment of the present invention;

Fig. 5 is the flowchart of the fifth embodiment of the present invention;

Fig. 6 is the flowchart of the sixth embodiment of the present invention;

Fig. 7 is the flowchart of the seventh embodiment of the present invention; And

Fig. 8 is a flow chart of the eighth embodiment of the present invention.

Detailed ways

The first embodiment of the present invention is shown in FIG. 1, which is an electronic mobile device 1, and a user intends to wirelessly connect the electronic mobile device 1 to a point of sale (Point of Sale) information management system to perform an electronic transaction. The point-of-sale information management system is a system that enables stores to use electronic data processors such as scanners, barcodes, invoice printers, visitor displays, and cash registers to perform sales tasks such as scanning of products and cash registers.

The electronic mobile device 1 includes a capture module 101 , a storage module 103 , a processing module 105 , an authentication transaction module 107 and a display module 109 . The authentication transaction module 107 includes an authentication module 111 and a receiving/sending module 113 . The storage module 103 stores five registered fingerprint features (i.e. left thumb registered fingerprint feature, left index finger registered fingerprint feature, left middle finger registered fingerprint feature, left ring finger registered fingerprint feature) of the legal user (i.e. owner) of the electronic mobile device 1. and left little finger registration fingerprint feature), five encrypted authentication transaction passwords and five encrypted electronic credit card codes, the authentication module 111 of the authentication transaction module 107 stores five electronic credit card basic data.

In the first embodiment, fingerprint comparison is used to determine whether the user using the electronic mobile device 1 is a legitimate user (ie, the owner of the electronic mobile device 1 ). If the user is a legitimate user, the electronic mobile device 1 can be operated to conduct electronic transactions. The fingerprint comparison that is often mentioned is to compare the features on two fingerprints to determine whether the two fingerprints are the same fingerprint. Therefore, the registered fingerprint feature mentioned in the first embodiment is pre-generated according to the fingerprint of the legal user (ie owner) of the electronic mobile device 1 .

Here, five registered fingerprint features, five encrypted authentication transaction passwords, five encrypted credit card codes, five electronic credit card basic information and their relationship will be described in detail. The basic information of the five electronic credit cards stored in the authentication transaction module 107 is the basic information of the ABN Amro credit card, the basic information of the China Trust Bank credit card, the basic information of the Yushan Bank credit card, the basic information of the Fubon Bank credit card, and the HSBC credit card owned by the user. basic information. The basic information of each electronic credit card includes the credit card number, the name of the user (ie, the holder), the valid period of use, and the like.

The five electronic credit card codes are A, C, E, F and H, among which A corresponds to the basic information of ABN AMRO credit card, C corresponds to the basic information of China Trust Bank credit card, E corresponds to the basic information of Yushan Bank credit card, F corresponds to the basic information of Fu The basic information of the Bang Bank credit card and H correspond to the basic information of the HSBC credit card. The five encrypted electronic credit card codes are the results obtained by encrypting A, C, E, F and H, respectively denoted by e(A), e(C), e(E), e(F) and e(H), where e(·) means encryption. Since the five electronic credit card codes correspond to the basic information of the five electronic credit cards respectively, the encrypted five encrypted electronic credit card codes also correspond to the basic information of the five electronic credit cards respectively.

The five authentication transaction passwords are AAA, CCC, EEE, FFF and HHH, among which AAA corresponds to the basic information of ABN Amro credit card, CCC corresponds to the basic information of China Trust Bank credit card, EEE corresponds to the basic information of Yushan Bank credit card, and FFF corresponds to Fubon The basic information of bank credit card and HHH correspond to the basic information of HSBC credit card. The five encrypted authentication transaction passwords are the result of encrypting AAA, CCC, EEE, FFF and HHH, represented by e(AAA), e(CCC), e(EEE), e(FFF) and e(HHH) respectively. Since the five authentication transaction passwords correspond to the basic information of the five electronic credit cards respectively, the encrypted five encrypted authentication transaction passwords also respectively correspond to the basic information of the five electronic credit cards.

The five registered fingerprint features respectively correspond to one of the five encrypted electronic credit card codes and one of the five encrypted authentication transaction passwords. Specifically, the registered fingerprint features of the left thumb correspond to e(A) and e(AAA), the registered fingerprint features of the left index finger correspond to e(C) and e(CCC), and the registered fingerprint features of the left middle finger correspond to e(E) and e(EEE), the registered fingerprint features of the left ring finger correspond to e(F) and e(FFF), and the registered fingerprint features of the left little finger correspond to e(H) and e(HHH). Table 1 summarizes the above correspondences for easy reading.

Table I

Enroll Fingerprint Features Electronic credit card basic information Encrypted electronic credit card code Encrypted authentication transaction password Left thumb registered fingerprint feature Basic Information of ABN Amro Credit Card e(A) e(AAA) Left index finger registered fingerprint features Basic Information of China Trust Bank Credit Card e(C) e(CCC) Left middle finger registration fingerprint feature Basic Information of Yushan Bank Credit Card e(E) e(EEE) Left ring finger registered fingerprint features Fubon Bank Credit Card Basic Information e(F) e(FFF) Left little finger registration fingerprint feature HSBC credit card basic information e(H) e(HHH)

After describing the five registered fingerprint features, five encrypted authentication transaction passwords, five encrypted credit card codes, five electronic credit card basic data and their relationship with each other, then explain how the user uses this electronic mobile device 1 and point-of-sale information Management system for electronic transactions.

First, the capture module 101 captures the user's fingerprint, wherein the capture module 101 can be any device capable of capturing fingerprints, such as a fingerprint sensor. Here, it is assumed that the fingerprint captured by the capture module 101 is the fingerprint of the user's left index finger. After the capture module 101 captures the user's left index finger fingerprint, the processing module 105 processes the user's left index finger fingerprint to generate a feature of the captured left index finger fingerprint. Next, the processing module 105 judges whether the extracted fingerprint feature of the left index finger corresponds to one of the registered fingerprint features. In the first embodiment, the processing module 105 judges that the extracted fingerprint feature of the left index finger corresponds to the registered fingerprint feature of the left index finger. , the registered fingerprint feature of the left index finger) as a selected registered fingerprint feature. At this time, the judgment result will be displayed by the display module 109 . In other embodiments, the judgment result of the processing module 105 may be that the captured fingerprint feature cannot correspond to the registered fingerprint feature, and the display module 109 will ask the user to input the fingerprint again. Here, generating the extracted fingerprint features and judging whether the extracted fingerprint features correspond to the registered fingerprint features can be achieved by existing technologies. For details, please refer to Davide Maltoni, Dario Maio, Anil K. Jain, Salil Prabhakar, "Handbook of Fingerprint Recognition", Springer -2003.

After the processing module 105 determines the selected registered fingerprint feature (that is, the left index finger registered fingerprint feature), the processing module 105 selects from the aforementioned encrypted authentication transaction password (that is, e(AAA), e(CCC), e(EEE), e(FFF) and e(HHH)), select the one corresponding to the selected registered fingerprint feature, i.e. e(CCC); e(E), e(F) and e(H)), select the one corresponding to the selected registered fingerprint feature, namely e(C). Next, the processing module 105 decrypts the encrypted authentication transaction password e(CCC) and the encrypted electronic credit card code e(C) to obtain a selected authentication transaction password CCC and a selected electronic credit card code C respectively. The method for decrypting the encrypted authentication transaction password and the encrypted electronic credit card code described here may be the prior art corresponding to the aforementioned encryption method, and will not be repeated here.

After the processing module 105 obtains the selected authentication transaction password CCC and the selected electronic credit card code C, the authentication module 111 of the authentication transaction module 107 extracts the electronic credit card basic information corresponding to the selected electronic credit card code C according to the selected authentication transaction password CCC. Information, that is, the basic information of the user's China Trust Bank credit card (that is, the information of the selected electronic credit card). Then, the receiving/sending module 113 of the authentication transaction module 107 sends the China Trust Bank credit card basic information (that is, the selected electronic credit card information) and the electronic transaction content (including the transaction item code, transaction amount, etc.) to the point-of-sale information management system to complete the electronic transaction. trade. Finally, the display module 109 displays the result of the electronic transaction. Wherein, the authentication module 111 can be a secure memory (Secure Memory), a smart card, a Java card or a SmartMX (SMX) card, but not limited thereto. Since the authentication module 111 is a safe environment, it is safer to process the basic information of the electronic credit card in the authentication module 111 . Alternatively, the receiving/transmitting module 113 may be a Near Field Communication Module, but not limited thereto.

Through the configuration of the first embodiment, the legal user can create the registered fingerprint feature of his own fingerprint in the electronic mobile device 1 in advance, and store the basic information of the electronic credit card, and then establish a link relationship between the registered fingerprint feature and the basic information of the electronic credit card. Afterwards, when this legitimate user wants to utilize the electronic credit card basic information in this electronic mobile device 1 to carry out electronic transactions, only need to press the finger of previously registered fingerprint, this electronic mobile device 1 can carry out the work of comparison and verification, and then select Corresponding electronic credit card basic information for electronic transactions. Since the authenticated transaction module of the first embodiment is a secure storage body, a safe and convenient transaction environment can be provided for users.

The second embodiment of the present invention is shown in FIG. 2 , which is an electronic mobile device 2 , and a user intends to wirelessly connect the electronic mobile device 2 to a point-of-sale information management system to conduct an electronic transaction. The electronic mobile device 2 includes a capture module 201 , a processing module 203 , an authentication transaction module 205 and a display module 207 . The authentication transaction module 205 includes an authentication module 209 and a receiving/sending module 211, wherein the authentication module 209 can be a secure memory, a smart card, a Java card or an SMX card, but not limited thereto. The receiving/sending module 211 can be a short-range wireless communication module, but not limited thereto.

The authentication module 209 stores five registered fingerprint features and five electronic credit card basic information. The five registered fingerprint features, the five electronic credit card basic data, and the corresponding relationship between them in the second embodiment are the same as those in the first embodiment. The five registered fingerprint features are pre-generated based on a fingerprint of a legitimate user of the electronic mobile device.

In the second embodiment, the user using the electronic mobile device 2 is confirmed to be a legitimate user through fingerprint comparison. First, the capture module 201 captures the user's fingerprint, such as the left thumbprint, and then the processing module 203 processes the user's left thumbprint to generate a feature of the captured left thumbprint. The authentication module 209 of the authentication transaction module 205 then judges whether the extracted left thumb fingerprint feature corresponds to one of the five registered fingerprint features, and displays the judgment result on the display module 207 . If there is a corresponding registered fingerprint feature, the corresponding basic information of the electronic credit card is obtained; otherwise, if there is no corresponding registered fingerprint feature, the display module 207 displays a message asking the user to re-enter the fingerprint. The authentication transaction module 205 of the second embodiment judges that the extracted left thumb fingerprint feature corresponds to the left thumb registered fingerprint feature, and thus obtains the basic information of the ABN AMRO electronic credit card. Afterwards, the receiving/sending module 211 of the authentication transaction module 205 transmits the basic data of the ABN AMRO electronic credit card (ie, the information of the selected electronic credit card) and the content of the transaction to the POS information management system to complete the electronic transaction. Finally, the display module 207 will display the result of the electronic transaction.

The main difference between the first embodiment and the second embodiment is that the second embodiment stores at least one registered fingerprint feature stored in the storage module 103 of the first embodiment in the authentication transaction module 205, which means that it is stored in a safer Environment. Therefore, in the second embodiment, the basic data of the electronic credit card can be retrieved without encrypting the authentication transaction password and the encrypted electronic credit card code, and the electronic transaction can be completed in a relatively safe manner.

The third embodiment of the present invention is an electronic mobile device 3, and a user intends to wirelessly connect the electronic mobile device 3 to a point-of-sale information management system to conduct an electronic transaction. The electronic mobile device 3 includes a capture module 101 , a storage module 303 , a processing module 305 , an authentication transaction module 107 and a display module 309 . The authentication transaction module 107 includes an authentication module 111 and a receiving/sending module 113 . The main difference between the electronic mobile device 3 of the third embodiment and the electronic mobile device 1 of the first embodiment lies in the storage module 303 , the processing module 305 and the display module 309 , so the third embodiment will only describe the differences in detail.

For example, the storage module 303 stores five registered fingerprints, five encrypted authentication transaction passwords and five encrypted electronic credit card codes of the legitimate user of the electronic mobile device 3 , and also stores five electronic credit card identity information. The five new electronic credit card identification information are: (1) ABN Amro, (2) China Trust, (3) Yushan Bank, (4) Fubon Bank, and (5) HSBC. The authentication module 111 of the authentication transaction module 107 stores the basic information of five electronic credit cards. Table 2 lists the five newly added electronic credit card identity information, five encrypted authentication transaction passwords, five encrypted electronic credit card codes, five electronic credit card basic information and the corresponding relationship therebetween.

Table II

Electronic credit card identity information Electronic credit card basic information Encrypted electronic credit card code Encrypted authentication transaction password (1) ABN AMRO Basic Information of ABN Amro Credit Card e(A) e(AAA) (2) China Trust Basic Information of China Trust Bank Credit Card e(C) e(CCC)

(3) Yushan Bank Basic Information of Yushan Bank Credit Card e(E) e(EEE) (4) Fubon Bank Fubon Bank Credit Card Basic Information e(F) e(FFF) (5) HSBC Bank HSBC credit card basic information e(H) e(HHH)

It should be emphasized that there is no corresponding relationship between the five registered fingerprint features and the five electronic credit card identity information, five encrypted authentication transaction passwords, five encrypted electronic credit card codes and five electronic credit card information.

In the third embodiment, after the capture module 101 captures the user's fingerprint, the processing module 305 processes the user's fingerprint to generate a feature of the captured fingerprint. Next, the processing module 305 determines whether the extracted fingerprint feature corresponds to one of the registered fingerprint features. Assuming that the result of the judgment is yes, the processing module 305 then generates a display message to instruct the display module 309 to display the aforementioned five electronic credit card identity information (1) ABN AMRO, (2) China Trust, (3) Yushan Bank , (4) Fubon Bank, and (5) HSBC, for users to choose. The user then selects one of the five electronic credit card identity information to generate a selection signal. Assuming that the user selects (3) Yushan Bank, the processing module 305 then obtains the corresponding encrypted authentication transaction password e(EEE) and the corresponding encrypted electronic credit card code e(E) according to the selected signal.

Subsequent actions of the third embodiment are the same as those of the first embodiment. In short, next, the processing module 305 decrypts the encrypted authentication transaction password e(EEE) and the encrypted electronic credit card code e(E) to obtain a selected authentication transaction password EEE and a selected electronic credit card code E respectively. The method for decrypting the encrypted authentication transaction password and the encrypted electronic credit card code described here may be the prior art corresponding to the aforementioned encryption method, and will not be repeated here. The authentication module 111 retrieves the electronic credit card basic information corresponding to the selected electronic credit card code E (that is, the selected electronic credit card information) according to the selected authentication transaction password EEE, that is, the user's Yushan Bank credit card basic information. Next, the receiving/sending module 113 transmits the basic information and transaction content (including transaction amount, etc.) of Yushan Bank's electronic credit card to the point-of-sale information management system to complete the electronic transaction. Finally, the display module 309 displays the result of the electronic transaction.

Through the configuration of the third embodiment, legitimate users can create registered fingerprint features of their own fingerprints in the electronic mobile device 3 in advance, and store the basic information of the electronic credit card. The difference from the first embodiment is that the third embodiment does not need to establish a link between the registered fingerprint features and the basic information of each electronic credit card. The registered fingerprint features in the electronic mobile device 3 are only used for identification purposes. After the user enters the fingerprint, the user selects the electronic credit card to be used through the electronic credit card identity information. Through the third embodiment, the present invention provides a more flexible electronic transaction environment.

The fourth embodiment of the present invention is an electronic mobile device 4, and a user intends to wirelessly connect the electronic mobile device 4 to a point-of-sale information management system to conduct an electronic transaction. The electronic mobile device 4 includes a capture module 201 , a processing module 403 , an authentication transaction module 401 and a display module 405 . The authentication transaction module 401 includes an authentication module 407 and a receiving/sending module 409 . The main difference between the electronic mobile device 4 of the fourth embodiment and the electronic mobile device 2 of the second embodiment lies in the authentication transaction module 401 , the processing module 403 and the display module 405 , so the fourth embodiment will only describe the differences in detail.

The authentication module 405 of the authentication transaction module 401 stores five electronic credit card identity information in addition to five registered fingerprint features and five electronic credit card basic information of the legal user of the electronic mobile device 4 . The corresponding relationship between the identity information of the electronic credit card and the basic information of the electronic credit card is the same as that of the third embodiment, and will not be repeated here.

In the fourth embodiment, after the capturing module 201 captures the user's fingerprint, the processing module 403 processes the user's fingerprint to generate a feature of the captured fingerprint. Next, the authentication module 407 of the authentication transaction module 401 then judges whether the extracted fingerprint feature corresponds to one of the five registered fingerprint features, and displays the judgment result by the display module 405 . If there is a corresponding registered fingerprint feature, the corresponding basic information of the electronic credit card is obtained, and the processing module 403 will also generate a display message, instructing the display module 405 to display five electronic credit card identity information for the user to choose. The user then selects one of the five electronic credit card identity information to generate a selection signal. The processing module 403 obtains the corresponding electronic credit card basic information as the selected electronic credit card information according to the selected signal. Next, the receiving/sending module 409 of the authentication transaction module 401 transmits the selected electronic credit card information and transaction content (including transaction amount, etc.) to the POS information management system to complete the electronic transaction. Finally, the display module 405 displays the result of the electronic transaction.

The main difference between the third embodiment and the fourth embodiment is that the fourth embodiment stores the five registered fingerprint features stored in the storage module 303 of the third embodiment in the authentication transaction module 401, which means that they are stored in a safer Environment. In the fourth embodiment, the basic data of the electronic credit card can be retrieved in a safer mode without encrypting the authentication transaction password and encrypting the electronic credit card code, so the electronic transaction can be completed in a safer manner.

The fifth embodiment of the present invention is an electronic transaction method for the mobile device 1 described in the first embodiment, the flow chart of which is depicted in FIG. 5 . Firstly, in step 500, the capturing module 101 captures a user's fingerprint, and then in step 501, the processing module 103 processes the user's fingerprint to generate a captured fingerprint feature. Afterwards, in step 502, the processing module 103 determines that the captured fingerprint feature corresponds to the registered fingerprint feature, so as to obtain an encrypted authentication transaction password and an encrypted electronic credit card code. Next step 503 makes the display module 109 display the judgment result, step 504 makes the processing module 103 decrypt the encrypted authentication transaction password to obtain a selected authentication transaction password, and step 505 makes the processing module 103 decrypt the encrypted electronic credit card code to obtain a selected electronic credit card code.

Afterwards, step 506 makes the authentication transaction module 107 take out the electronic credit card basic data corresponding to the selected electronic credit card code according to the selected authentication transaction password, and step 507 makes the authentication transaction module 107 transmit the electronic credit card basic data to the point of sale information management system to complete electronic transactions. In more detail, since the authentication transaction module 107 includes an authentication module 111 and a receiving/sending module 113, step 506 can also be to make the authentication module 111 take out the electronic card corresponding to the selected electronic credit card code according to the selected authentication transaction password. Basic credit card information. And step 507 can also be to make the receiving/sending module 113 transmit the basic information of the electronic credit card to the POS information management system to complete the electronic transaction. Finally, step 508 enables the display module 109 to display the result of the electronic transaction.

In addition to the steps depicted in FIG. 5 , the fifth embodiment can also perform all the operations and functions of the first embodiment. Those skilled in the art can directly understand how the fifth embodiment performs these operations and functions based on the above-mentioned first embodiment. So I won't go into details.

The sixth embodiment of the present invention is an electronic transaction method for the mobile device 2 described in the second embodiment, the flow chart of which is depicted in FIG. 6 . Firstly, in step 600, the capturing module 201 captures a user's fingerprint, and then in step 601, the processing module 203 processes the user's fingerprint to generate an extracted fingerprint feature. Afterwards, step 602 enables the authentication transaction module 205 to determine whether the captured fingerprint feature corresponds to one of the registered fingerprint features. If the result of step 602 is yes, the basic information of the electronic credit card is obtained; if the result of step 602 is no, then return to step 600 to make the capture module 201 re-capture the user's fingerprint. Afterwards, step 603 enables the display module 207 to display the judgment result. Next in step 604, the authentication transaction module 205 transmits the electronic credit card basic information to the POS information management system to complete the electronic transaction.

In more detail, since the authentication transaction module 205 includes an authentication module 209 and a receiving/sending module 211, step 602 can also be to make the authentication module 209 judge whether the captured fingerprint features match the registered fingerprint features, and if so, obtain If the basic information of the electronic credit card does not match, then return to step 600 to make the capturing module 201 capture the user's fingerprint again. And step 604 can also be to make the receiving/sending module 211 transmit the basic information of the electronic credit card to the POS information management system to complete the electronic transaction. The final step 605 makes the display module 207 display the result of the electronic transaction.

Except for the steps depicted in FIG. 6 , the sixth embodiment can also perform all the operations and functions of the second embodiment. Those skilled in the art can directly understand how the sixth embodiment performs these operations and functions based on the above-mentioned second embodiment. So I won't go into details.

The seventh embodiment of the present invention is an electronic transaction method for the electronic mobile device 3 described in the third embodiment, the flow chart of which is depicted in FIG. 7 . Firstly, in step 700, the capture module 101 captures the user's fingerprint, and then in step 701, the processing module 305 processes the user's fingerprint to generate an extracted fingerprint feature. Afterwards, step 702 enables the processing module 305 to determine whether the captured fingerprint features correspond to the registered fingerprint features. If the result of step 702 is no, return to step 700 . If the result of step 702 is yes, then step 703 is executed to make the display module 309 display the judgment result.

Next, step 704 instructs the processing module 305 to generate a display message to instruct to display the identity information of the electronic credit card, and then in step 705 instructs the display module 309 to display the display message for the user to select. After the user selects one of the electronic credit card identity information, a selection signal will be generated, and the selection signal includes the selection result of the user. Afterwards, in step 706, the processing module 305 obtains the encrypted authentication transaction password and the encrypted electronic credit card code according to the selected signal. Then, step 707 instructs the processing module 305 to decrypt the encrypted authentication transaction password to obtain a selected authentication transaction password, and step 708 instructs the processing module 305 to decrypt the encrypted electronic credit card code to obtain a selected electronic credit card code.

Afterwards, step 709 makes the authentication transaction module 107 retrieve the electronic credit card basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password, and then, step 710 makes the authentication transaction module 107 send the electronic credit card basic information to the point of sale information management system to complete electronic transactions. Since the authentication transaction module 107 also includes an authentication module 111 and a receiving/sending module 113, the step of selecting the basic data of the electronic credit card is performed by the authentication module 111 of the authentication transaction module 107, and the transmission step is performed by the receiving/sending module 113 executed. Finally, step 711 enables the display module 309 to display the result of the electronic transaction.

Except for the steps depicted in FIG. 7 , the seventh embodiment can also perform all the operations and functions of the third embodiment. Those skilled in the art can directly understand how the seventh embodiment performs these operations and functions based on the above-mentioned third embodiment. So I won't go into details.

The eighth embodiment of the present invention is an electronic transaction method for the electronic mobile device 4 described in the fourth embodiment, the flow chart of which is depicted in FIG. 8 . First step 800 enables the extraction module 201 to extract the user's fingerprint, and then step 801 instructs the processing module 403 to process the user's fingerprint to generate an extracted fingerprint feature. Afterwards, step 802 enables the authentication transaction module 401 to determine whether the captured fingerprint features correspond to the registered fingerprint features. If the result of step 802 is no, return to step 800 . If the result of step 802 is yes, then step 803 is executed to make the display module 405 display the judgment result.

Afterwards, step 804 instructs the processing module 403 to generate a display message to instruct to display the identity information of the electronic credit card. Next, step 805 instructs the display module 405 to display the display message for the user to select, so as to generate a selection signal.

Then, in step 806, the processing module 403 obtains the basic information of the electronic credit card according to the selected signal. Next, in step 807, the authentication transaction module 401 sends the basic information of the electronic credit card to the POS information management system to complete the electronic transaction. Since the authentication transaction module 401 also includes an authentication module 407 and a receiving/sending module 409, the registered fingerprint feature and the basic data of the electronic credit card are stored in the authentication module 407, and the judgment steps and selection steps are executed by the authentication module 407 of the authentication transaction module 401 , and the transmitting step is performed by the receiving/sending module 409 . Finally, step 808 enables the display module 405 to display the result of the electronic transaction.

In addition to the steps depicted in FIG. 8, the eighth embodiment can also perform all the operations and functions of the fourth embodiment. Those skilled in the art can directly understand how the eighth embodiment performs these operations and functions based on the above-mentioned fourth embodiment. So I won't go into details.

From the above, it can be known that the present invention can complete a credit card electronic transaction through a mobile phone, and replace the signature action of the existing credit card with fingerprint recognition as the verification mechanism of the credit card electronic transaction. Therefore, the present invention can effectively solve the problems of long transaction time and inconvenient carrying of the credit card in the existing credit card transaction, and reduce the risk of the credit card being lost or stolen.

The above-mentioned embodiments are only used to illustrate the implementation of the present invention and explain the technical features of the present invention, and are not intended to limit the scope of the present invention. Any changes or equivalence arrangements that can be easily accomplished by those skilled in the art belong to the scope of the present invention, and the scope of rights of the present invention should be determined by the claims.

Claims (28)

1. An electronic mobile device wirelessly connected to a point-of-sale information management system to conduct an electronic transaction, the mobile device comprising: a capturing module, used to capture a fingerprint of a user; A storage module for storing at least one registered fingerprint feature, at least one encrypted authentication transaction password and at least one encrypted electronic credit card code, wherein each of the at least one registered fingerprint feature is pre-generated according to a fingerprint of a legitimate user; A processing module for processing the captured fingerprint to generate a captured fingerprint feature, and judging that the captured fingerprint feature corresponds to the at least one registered fingerprint feature, so as to obtain the at least one encrypted authentication transaction password and the at least one Encrypting the electronic credit card code and decrypting it to obtain a selected authentication transaction code and a selected electronic credit card code respectively; and An authentication transaction module, used to store at least one electronic credit card basic information, so as to retrieve the at least one electronic credit card basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password, and send it to the point of sale information management system. 2. The electronic mobile device according to claim 1, characterized in that: The storage module stores a plurality of registered fingerprint features, a plurality of encrypted authentication transaction passwords and a plurality of encrypted electronic credit card codes, and each registered fingerprint feature corresponds to one of the encrypted authentication transaction passwords and one of the encrypted electronic credit card codes ; The authentication transaction module stores a plurality of electronic credit card basic information, and each encrypted electronic credit card code corresponds to one of the electronic credit card basic information, The processing module is also used to select the one corresponding to the retrieved fingerprint feature as a selected registered fingerprint feature from the registered fingerprint features, and select the selected registered fingerprint feature corresponding to the selected registered fingerprint feature from the encrypted authentication transaction passwords or use decryption as the selected authentication transaction password, from the encrypted electronic credit card codes, select the one corresponding to the selected registered fingerprint feature to decrypt as the selected electronic credit card code, The authentication transaction module is also used to select the electronic credit card code corresponding to the selected electronic credit card code from the electronic credit card basic information according to the selected authentication transaction password as a selected electronic credit card information, so as to transmit to the point of sale information A management system for conducting the electronic transaction. 3. The electronic mobile device according to claim 2, wherein the authentication transaction module comprises: An authentication module is used to store the basic information of these electronic credit cards, and to select the selected electronic credit card information according to the selected authentication transaction password, wherein the authentication module includes a safe storage body, a smart card, and a Java card or a SmartMX card; and A receiving/sending module is used to transmit the selected credit card information to the POS information management system for the electronic transaction, wherein the receiving/sending module is a short-distance wireless communication module. 4. An electronic mobile device wirelessly connected to a point of sale information management system to conduct an electronic transaction, the mobile device comprising: a capturing module, used to capture a fingerprint of a user; a processing module for processing the fingerprint to generate a captured fingerprint feature; and An authentication transaction module, used to store at least one registered fingerprint feature, each of which is pre-generated according to a fingerprint of a legal user, and used to store at least one electronic credit card basic information, so as to determine whether the extracted fingerprint feature corresponds to to the at least one registered fingerprint feature, and to transmit the at least one electronic credit card basic information to the point-of-sale information management system. 5. The electronic mobile device according to claim 4, wherein the authentication transaction module stores a plurality of electronic credit card basic information and a plurality of registered fingerprint features, and each of the registered fingerprint features corresponds to one of the electronic credit card basic information 1. The authentication transaction module also selects the one corresponding to the extracted fingerprint feature from the registered fingerprint features as a selected registered fingerprint feature, and selects the one corresponding to the selected registered fingerprint feature from the electronic credit card basic information. The fingerprint feature is used as a selected electronic credit card information to be sent to the point of sale information management system for the electronic transaction. 6. The electronic mobile device according to claim 5, wherein the authentication transaction module comprises: An authentication module is used to store the registered fingerprint features and the basic information of the electronic credit cards, to select the selected registered fingerprint features, and to select the selected electronic credit card information, wherein the authentication module includes a safe storage body , a smart card, a Java card or an SMX card; and A receiving/sending module is used to transmit the selected electronic credit card information to the point-of-sale information management system to conduct the electronic transaction, wherein the receiving/sending module is a short-range wireless communication module. 7 . The electronic mobile device as claimed in claim 6 , wherein the authentication module obtains the captured fingerprint feature generated by the processing module through the receiving/sending module. 8 . 8. An electronic mobile device wirelessly connected to a point of sale information management system to conduct an electronic transaction, the mobile device comprising: a capturing module, used to capture a fingerprint of a user; A storage module for storing at least one registered fingerprint feature, at least one electronic credit card identity information, at least one encrypted authentication transaction password and at least one encrypted electronic credit card code, wherein each of the at least one registered fingerprint feature is based on a legal user's a pre-generated fingerprint; A processing module for processing the captured fingerprints to generate a captured fingerprint feature to determine that the captured fingerprint feature corresponds to the at least one registered fingerprint feature to generate a display message displaying the at least one electronic credit card so as to generate the at least one encrypted authentication transaction password and the at least one encrypted electronic credit card code according to a selected signal, and decrypt them to obtain a selected authentication transaction password and a selected electronic credit card respectively code; and An authentication transaction module, adapted to store basic information of at least one electronic credit card, the authentication transaction module retrieves the basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password, and sends it to the point of sale information management system. 9. The electronic mobile device according to claim 8, characterized in that: The storage module is suitable for storing multiple registered fingerprint features, identity information of multiple electronic credit cards, multiple encrypted authentication transaction passwords and multiple encrypted electronic credit card codes, and the identity information of each electronic credit card corresponds to the encrypted authentication transaction passwords one of them and one of those encrypted electronic credit card codes; The authentication transaction module stores the basic information of multiple electronic credit cards, and each encrypted electronic credit card code corresponds to one of the electronic credit card information; Wherein, the processing module determines that the extracted fingerprint feature corresponds to one of the registered fingerprint features, the display message indicates the displayed electronic credit card identity information, and the selection signal selects one of the electronic credit card identity information 1. As the identity information of a selected electronic credit card, the processing module further uses the encryption and authentication transaction passwords to select the one corresponding to the identity information of the selected electronic credit card, and decrypts it as the selected authentication transaction password, from the Among the encrypted electronic credit card codes, the one corresponding to the identity information of the selected electronic credit card is selected to be decrypted as the selected electronic credit card code, The authentication transaction module is further used to select the electronic credit card code corresponding to the selected electronic credit card code from the electronic credit card basic information according to the selected authentication transaction password, as a selected electronic credit card information, so as to send it to the point of sale information management system to conduct the electronic transaction. 10. The electronic mobile device as claimed in claim 9, wherein the authentication transaction module comprises: An authentication module is used to store the basic information of these electronic credit cards, and to select the selected electronic credit card information according to the selected authentication transaction password, wherein the authentication module includes a safe storage body, a smart card, and a Java card or an SMX card; and A receiving/sending module is used to transmit the selected electronic credit card information to the point-of-sale information management system for the electronic transaction, wherein the receiving/sending module is a short-range wireless communication module. 11. An electronic mobile device wirelessly connected to a point of sale information management system to conduct an electronic transaction, the electronic mobile device comprising: a capturing module, used to capture a fingerprint of a user; a processing module for processing the fingerprint to generate a captured fingerprint feature; and An authentication transaction module for storing at least one registered fingerprint feature, each of which is pre-generated based on a fingerprint of a legitimate user, and used to store at least one electronic credit card identity information and at least one electronic credit card basic information, and used to determine that the extracted fingerprint feature corresponds to the at least one registered fingerprint feature; Wherein, the processing module is also used to generate a display message displaying the identity information of the at least one electronic credit card, so as to generate the basic information of the at least one electronic credit card according to a selected signal, and the authentication transaction module is also used to transmit the at least one electronic credit card Credit card basic information to the point of sale information management system. 12. The electronic mobile device as claimed in claim 11, wherein the authentication transaction module stores a plurality of electronic credit card identity information, a plurality of electronic credit card basic data and a plurality of registered fingerprint features, each of which electronic credit card identity information corresponds to One of the electronic credit card basic data, the authentication transaction module is used to judge that the extracted fingerprint feature corresponds to one of the registered fingerprint features, and the selection signal selects one of the electronic credit card identity information as A selected electronic credit card identity information, the authentication transaction module further uses the basic information of these electronic credit cards, selects the one corresponding to the selected electronic credit card identity information as a selected electronic credit card information, so as to transmit to the point of sale information A management system for conducting the electronic transaction. 13. The electronic mobile device as claimed in claim 12, wherein the authentication transaction module comprises: An authentication module is used to store the registered fingerprint features, the identity information of the electronic credit cards and the basic information of the electronic credit cards, and to select the selected electronic credit card information, wherein the authentication module includes a safe storage body, a smart card, a Java card or a SMX card; and A receiving/sending module is used to transmit the selected electronic credit card information to the point-of-sale information management system to conduct the electronic transaction, wherein the receiving/sending module is a short-range wireless communication module. 14. The electronic mobile device as claimed in claim 13, wherein the authentication module obtains the captured fingerprint feature generated by the processing module through the receiving/sending module. 15. An electronic transaction method for an electronic mobile device wirelessly connected to a point-of-sale information management system for an electronic transaction, the electronic mobile device comprising a capture module, a storage module, A processing module and an authentication transaction module, the storage module stores at least one registered fingerprint feature, at least one encrypted authentication transaction password and at least one encrypted electronic credit card code, and each of the at least one registered fingerprint feature is based on a fingerprint of a legitimate user in advance Generate, the authentication transaction module stores at least one electronic credit card information, the electronic transaction method includes the following steps: causing the capture module to capture a fingerprint of a user; causing the processing module to process the captured fingerprint to generate a captured fingerprint feature; making the processing module determine that the extracted fingerprint feature corresponds to the at least one registered fingerprint feature, so as to obtain the at least one encrypted authentication transaction password and the at least one encrypted electronic credit card code; causing the processing module to decrypt the encrypted authentication transaction password to obtain a selected authentication transaction password; causing the processing module to decrypt the encrypted electronic credit card code to obtain a selected electronic credit card code; making the authentication transaction module retrieve the at least one electronic credit card basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password; and The authentication transaction module transmits the electronic credit card information to the point-of-sale information management system. 16. The electronic transaction method as claimed in claim 15, wherein the storage module stores a plurality of registered fingerprint features, a plurality of encrypted authentication transaction passwords and a plurality of encrypted electronic credit card codes, and each of the registered fingerprint features corresponds to the One of the encrypted authentication transaction passwords and one of the encrypted electronic credit card codes. The authentication transaction module stores a plurality of electronic credit card basic information, and each encrypted electronic credit card code corresponds to one of the electronic credit card basic information. The transaction method also includes the following steps: making the processing module select one of the registered fingerprint features corresponding to the retrieved fingerprint feature as a selected registered fingerprint feature; making the processing module select one corresponding to the selected registered fingerprint feature from among the encrypted authentication transaction passwords for decryption as the selected authentication transaction password; causing the processing module to select, from among the electronic credit card codes, one corresponding to the selected registered fingerprint feature for decryption as the selected electronic credit card code; and Make the authentication transaction module select the one corresponding to the selected electronic credit card password from the basic information of the electronic credit card according to the selected authentication transaction password as a selected electronic credit card information, so as to transmit it to the point of sale information management system . 17. The electronic transaction method according to claim 16, wherein the authentication transaction module includes an authentication module and a receiving/sending module, and the authentication module includes a safe storage body, a smart card, a Java card or a SMX card, the receiving/sending module is a short-range wireless communication module, the step of selecting the basic information of the selected electronic credit card is performed by the authentication module of the authentication transaction module, and the transmission step is performed by the authentication transaction module executed by the receive/transmit module. 18. An electronic transaction method for an electronic mobile device wirelessly connected to a point of sale information management system for an electronic transaction, the electronic mobile device comprising a capture module, a processing module and An authentication transaction module, the authentication transaction module stores at least one registered fingerprint feature and at least one electronic credit card basic information, and each of the at least one registered fingerprint feature is pre-generated according to a fingerprint of a legitimate user. The electronic transaction method includes the following steps: causing the capture module to capture a fingerprint of a user; causing the processing module to process the fingerprint to generate a captured fingerprint feature; making the authenticated transaction module determine that the retrieved fingerprint feature corresponds to the at least one registered fingerprint feature; and The authentication transaction module is configured to transmit the at least one electronic credit card basic information to the point-of-sale information management system. 19. The electronic transaction method according to claim 18, wherein the authentication transaction module stores a plurality of electronic credit card basic information and a plurality of registered fingerprint features, and each of the registered fingerprint features corresponds to one of the electronic credit card basic information , the electronic transaction method also includes the following steps: making the authentication transaction module select the one corresponding to the retrieved fingerprint feature from the registered fingerprint features as a selected registered fingerprint feature; The authentication transaction module selects one corresponding to the selected registered fingerprint feature as a selected electronic credit card information from the electronic credit card basic data, so as to transmit the selected electronic credit card information to the point-of-sale information management system. 20. The electronic transaction method according to claim 19, wherein the authentication transaction module includes an authentication module and a receiving/sending module, and the authentication module includes a safe storage body, a smart card, a Java card or a SMX card, the receiving/sending module is a short-range wireless communication module, the registered fingerprint features and the basic information of the electronic credit card are stored in the authentication module of the authentication transaction module, the judgment step and the selection step are determined by the authentication The authentication module of the transaction module is executed, and the transmitting step is executed by the receiving/sending module of the authentication transaction module. 21. The electronic transaction method according to claim 20, wherein the judging step executed by the authentication module obtains the extracted fingerprint feature generated by the processing module through the receiving/sending module. 22. An electronic transaction method for an electronic mobile device wirelessly connected to a point-of-sale information management system for an electronic transaction, the electronic mobile device comprising a capture module, a storage module, A processing module and an authentication transaction module, the storage module stores at least one registered fingerprint feature, at least one electronic credit card identity information, at least one encrypted authentication transaction password and at least one encrypted electronic credit card code, each of the at least one registered fingerprint feature is based on a A fingerprint of a legal user is pre-generated, and the authentication transaction module stores at least one electronic credit card basic information. The electronic transaction method includes the following steps: causing the capture module to capture a fingerprint of a user; causing the processing module to process the captured fingerprint to generate a captured fingerprint feature; making the processing module determine that the extracted fingerprint feature corresponds to the at least one registered fingerprint feature; causing the processing module to generate a display message displaying the identity information of the at least one electronic credit card; Make the processing module generate the at least one encrypted authentication transaction password and the at least one encrypted electronic credit card code according to a selected signal, the selected signal selects the at least one electronic credit card identity information; causing the processing module to decrypt the encrypted authentication transaction password to obtain a selected authentication transaction password; causing the processing module to decrypt the encrypted electronic credit card code to obtain a selected electronic credit card code; making the authentication transaction module retrieve the at least one electronic credit card basic information corresponding to the selected electronic credit card code according to the selected authentication transaction password; and Make the authentication transaction module transmit the basic information of the electronic credit card to the point of sale information management system. 23. The electronic transaction method according to claim 22, wherein the storage module is adapted to store multiple registered fingerprint features, multiple electronic credit card identity information, multiple encrypted authentication transaction passwords and multiple encrypted electronic credit card codes, Each of the electronic credit card identity information corresponds to one of the encrypted authentication transaction passwords and one of the encrypted electronic credit card codes, the authentication transaction module stores a plurality of electronic credit card basic information, and each of the encrypted electronic credit card codes corresponds to the One of the basic information of the electronic credit card, the electronic transaction method also includes the following steps: Make the processing module select the one corresponding to a selected electronic credit card identity data from among the encrypted authentication transaction passwords according to the selected signal to decrypt as the selected authenticated transaction password, wherein the selected signal selects the electronic One of the credit card identity information as a selected electronic credit card identity information; causing the processing module to select, from among the electronic credit card codes, the one corresponding to the selected electronic credit card identity data for decryption as the selected electronic credit card code; and Make the authentication transaction module select the one corresponding to the selected electronic credit card password from the basic information of the electronic credit card according to the selected authentication transaction password as a selected electronic credit card information, so as to transmit it to the point of sale information management system . 24. The electronic transaction method according to claim 23, wherein the authentication transaction module includes an authentication module and a receiving/sending module, and the authentication module includes a safe storage body, a smart card, a Java card or a SMX card, the receiving/sending module is a short-range wireless communication module, the step of selecting the selected electronic credit card information is performed by the authentication module of the authentication transaction module, and the transmission step is performed by the receiving module of the authentication transaction module /Send module is executed. 25. An electronic transaction method for an electronic mobile device wirelessly connected to a point of sale information management system for an electronic transaction, the electronic mobile device comprising a capture module, a processing module and An authentication transaction module, the authentication transaction module stores at least one registered fingerprint feature, at least one electronic credit card identity information and at least one electronic credit card basic information, each of the at least one registered fingerprint feature is pre-generated according to a fingerprint of a legitimate user, the electronic The transaction method contains the following steps: causing the capture module to capture a fingerprint of a user; causing the processing module to process the fingerprint to generate a captured fingerprint feature; making the authentication transaction module determine that the extracted fingerprint feature corresponds to the at least one registered fingerprint feature; causing the processing module to generate a display message displaying the identity information of the at least one electronic credit card; causing the processing module to generate the at least one electronic credit card basic data according to a selected signal; and The authentication transaction module is configured to transmit the at least one electronic credit card basic information to the point-of-sale information management system. 26. The electronic transaction method as claimed in claim 25, wherein the authentication transaction module stores a plurality of electronic credit card identity information, a plurality of electronic credit card basic data and a plurality of registered fingerprint features, each of which electronic credit card identity information corresponds to the One of the electronic credit card basic information, the selection signal selects one of the electronic credit card identity information as a selected electronic credit card identity information, and the electronic transaction method also includes the following steps: The authentication transaction module selects the one corresponding to the selected electronic credit card identity information as a selected electronic credit card information from the electronic credit card basic data, so as to transmit the selected electronic credit card information to the point-of-sale information management system. 27. The electronic transaction method according to claim 26, wherein the authentication transaction module includes an authentication module and a receiving/sending module, and the authentication module includes a safe storage body, a smart card, a Java card or a SMX card, the receiving/sending module is a short-range wireless communication module, the registered fingerprint features, the electronic credit card identity information and the basic information of the electronic credit card are stored in the authentication module of the authentication transaction module, the judgment step and The selecting step is performed by the authentication module of the authentication transaction module, and the transmitting step is performed by the receiving/sending module of the authentication transaction module. 28. The electronic transaction method according to claim 27, wherein the judging step executed by the authentication module obtains the extracted fingerprint feature generated by the processing module through the receiving/sending module.

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