TWM647563U - Fingerprint recognition credit card - Google Patents

Abstract

A fingerprint identification credit card includes a card body, a fingerprint identification module and an IC chip embedded and exposed on the outer surface of the card body. The fingerprint identification module can be driven by power to identify fingerprints to obtain a biometric code. The IC chip signal is connected to the fingerprint identification module, can conduct power to drive the fingerprint identification module, and can be used to output a card information containing the biometric code. By combining the structural design of the IC chip and the fingerprint recognition module, when using this new type of fingerprint recognition credit card, the biometric code providing the user's fingerprint must be scanned at the same time before the card can be verified, and the biometric code must be verified. Only when the transaction is completed can the card swiping transaction be completed, which can greatly improve the security of card swiping and help reduce theft.

Description

Fingerprint recognition credit card

The present invention relates to a fingerprint identification credit card, in particular to a fingerprint identification credit card.

Credit card consumption has become a common consumption habit among the general public. In addition to delaying payment time, it can also accumulate consumption bonuses. However, the current use of credit cards often has the following problems. When a card is lost, it may be confiscated and used fraudulently, and the cost of dealing with the fraudulent use is high. When the card is out of sight, there is a risk of being skimmed. The current new credit cards all have wireless sensor swiping functions. In order to prevent the credit card from being swiped through the air, it is necessary to use an RFID anti-theft wallet or RFID blocking card holder. In addition, it often happens that children use their parents' credit cards to purchase game points and make purchases without their parents' consent, but the parents are unable to apply for the stolen money.

In addition, when using a credit card with a cash withdrawal function to withdraw money from an ATM machine, you often worry that the password will be seen by malicious criminals nearby. If you use Homebank to scan the QRCode to withdraw money, the App reading speed will vary depending on the performance of each person's mobile phone, which may increase the time occupied by the cash machine. Therefore, there are still some problems in the current use of credit cards.

Therefore, the purpose of the present invention is to provide a fingerprint recognition credit card that can improve at least one shortcoming of the prior art.

Therefore, the new type of fingerprint recognition credit card includes a card body, a fingerprint recognition module and an IC chip embedded and exposed on the outer surface of the card body. The fingerprint identification module can be driven by power to identify fingerprints to obtain a biometric code. The IC chip signal is connected to the fingerprint identification module, can conduct power to drive the fingerprint identification module, and can be used to output a card information containing the biometric code.

The function of this new model is that by combining the structural design of the IC chip and the fingerprint recognition module, when using the new fingerprint recognition credit card, the biometric code providing the user's fingerprint must be scanned at the same time in order to verify the card, and it must be in Only when the biometric code passes verification can the card swiping transaction be completed, which can greatly improve the security of card swiping and help reduce theft.

Before the present invention is described in detail, it should be noted that similar components are represented by the same numbers in the following description.

Referring to Figures 1 and 2, a first embodiment of the new fingerprint recognition credit card 200 can be used for the user 900 to swipe the card for consumption through a card swiping machine 81, and can also be used for the user 900 to make withdrawals from an ATM cash machine 82. payment. The fingerprint recognition credit card 200 includes a card body 3, an induction antenna 4, a fingerprint recognition module 5 and an IC chip 6 provided on the card body 3.

The card body 3 is in the shape of a card and can be made of plastic material or paper. The card body 3 has a front face 30 . Since the card body 3 is an existing technology and is not the focus of this new improvement, it will not be described in detail.

The induction antenna 4 is embedded in the card body 3 and is electrically connected to the IC chip 6 and the fingerprint identification module 5, and can be used to sense the radio waves sent by the card swiping machine 81 and the ATM cash dispenser 82. The transaction information contained in the signal, and the radio wave signal is converted into electricity used to drive the operation of the fingerprint identification module 5 and the IC chip 6, and can be driven by the IC chip 6 to transmit information externally as a radio wave signal. .

The fingerprint identification module 5 is embedded and fixed on the front 30 of the card body 3 and can be driven by the power provided by the induction antenna 4. It can be used to sense and identify the fingerprint of the touched finger and generate a biometric code accordingly. .

The IC chip 6 is embedded and fixed on the front 30 of the card body 3 and stores card information. It can be used to electrically connect the ATM cash dispenser 82 and the card swiping machine 81 to obtain the card information. The power required for reading and computing. The IC chip 6 can also be triggered by the power generated by the induction antenna 4 sensing radio wave signals, and read and calculate the card data based on the transaction information received by the induction antenna 4, and perform calculations based on the card data. The calculation result is returned to the corresponding card information through the induction antenna 4. In addition, when the IC chip 6 is triggered and activated, if the fingerprint recognition module 5 generates the biometric code, the biometric code will also be included in the card information.

The card information includes, but is not limited to, card number, card usage period, verification code, identity information, etc. The operations on the card information include, but are not limited to, data encryption and decryption operations, and calculation of consumption points. Since the IC chip 6 is an existing credit card technology and has many types of functions, it will not be described in detail.

Before using the new fingerprint recognition credit card 200, the user 900 needs to open the card and bind his fingerprint first, and the fingerprint recognition credit card 200 can be combined with the withdrawal function of the financial card 903 of the same financial institution, so that the fingerprint recognition credit card 200 It can also be used to withdraw money from the ATM cash machine 82.

When opening a card, the user 900 needs to insert a financial card 903 from the same financial institution into the ATM cash machine 82 and enter a password for identity verification. After the ATM cash machine 82 verifies the account information and password of the financial card 903, the available credit card opening options will be displayed on its operation screen. The user 900 can operate the credit card opening option, and then touch the fingerprint recognition module 5 with a finger intended for binding fingerprints, and bring the fingerprint recognition credit card 200 close to the sensor reader of the ATM cash dispenser 82 Card area. The induction antenna 4 of the fingerprint recognition credit card 200 will sense and read the radio wave signal sent by the ATM cash dispenser 82 to obtain transaction information and generate electricity. The IC chip 6 and the fingerprint identification module 5 will be powered on and activated. The fingerprint identification module 5 will sense fingerprints to generate the biometric code. The IC chip 6 will generate the biometric code based on the transaction instructions in the transaction information. The biometric code is bound to the card information scheduled to be returned and encrypted to generate the card information, and the card information is transmitted back to the ATM cash dispenser 82 through the induction antenna 4 .

After receiving the card information, the ATM cash machine 82 will encrypt the card information, the card information of the financial card 903 and the account information that has been verified by the financial card 903, and then transmit it to a corresponding financial institution. The server host 901 will bind and store the card information and the biometric code obtained by decrypting the card information, as well as the card information and account information of the financial card 903.

When the user 900 wants to use the fingerprint recognition credit card 200 to swipe the card for consumption, he presses the finger used to provide fingerprint information on the fingerprint recognition module 5, and then inserts the fingerprint recognition credit card 200 into the card swipe machine 81 to allow the fingerprint recognition The IC chip 6 of the credit card 200 is electrically connected to the card swipe machine 81, so that the card swipe returns the card information containing the biometric code obtained by fingerprint recognition; or the fingerprint recognition credit card 200 is close to the induction card reading area of the card swipe machine 81 , so as to sense the radio wave signal of the card swiping machine 81 and correspondingly return the card information containing the biometric code obtained by fingerprint recognition to the card swiping machine 81 . The card swiping machine 81 will transmit the card information to the server host 901 of the financial institution for identity verification. When the server host 901 verifies that the biometric code in the card information is correct, it will return a verification pass message to the card swiping machine 81 so that the card swiping machine 81 completes the card swiping consumption operation of the fingerprint recognition credit card 200 .

When the user 900 wants to use the fingerprint recognition credit card 200 to withdraw money from the ATM cash machine 82, he can touch the fingerprint recognition module 5 of the fingerprint recognition credit card 200 with his finger and bring the fingerprint recognition credit card 200 close to the ATM. The inductive card reading area of the cash dispenser 82 enables the fingerprint recognition credit card 200 to sense the radio wave signal of the ATM cash dispenser 82 and correspondingly return the card information containing the biometric code obtained through fingerprint recognition. The ATM cash machine 82 will transmit the card information to the server host 901 to verify the card information and the biometric code in the card information. When the ATM cash machine 82 receives the verification pass message, it will open a withdrawal screen for the user 900 to operate and withdraw money, and after the user 900 completes the withdrawal operation, it will notify the fingerprint identification credit card 200 to bind it. The financial account host 902 of the financial institution of the financial card 903 performs the debit operation of the corresponding account.

Referring to FIGS. 5 and 6 , a second embodiment of the new fingerprint recognition credit card 200 differs from the first embodiment in that it also includes a photoelectric transducer module 7 .

The photoelectric transducer module 7 is embedded and fixed on the front 30 of the card body 3, and is electrically connected to the IC chip 6 and the fingerprint identification module 5, and can be used to convert light energy into driving the IC chip 6 and the fingerprint identification. The power required by the module 5 can be used to power on the IC chip 6 and the fingerprint recognition module 5 . The photoelectric conversion module 7 is, for example, but not limited to a thin film solar panel.

Through the structural design of the photoelectric transducer module 7 embedded in the card body 3, the power required to drive the IC chip 6 and the fingerprint recognition module 5 can be additionally obtained by sensing external light energy.

To sum up, by combining the structural design of the IC chip 6 and the fingerprint recognition module 5, when using the new fingerprint recognition credit card 200, the biometric code providing the user's 900 fingerprints must be scanned at the same time to perform card verification. And only when the biometric code passes verification can the card transaction be completed, which can greatly improve the security of card swiping and help reduce theft. When the fingerprint recognition credit card 200 is used, it can also be bound to the financial card 903, so that the fingerprint recognition credit card 200 can also be used to withdraw money from the account of the bound financial card 903 at the ATM cash dispenser 82. It is also possible to further provide the power required for the operation of the IC chip 6 and the fingerprint recognition module 5 by arranging the photoelectric transducer module 7 on the card body 3 .

In addition, because the fingerprint recognition credit card 200 can be used to sense and read the biometric code of the fingerprint of the user 900, it can also be used for identity verification when the user 900 handles banking business, which is equivalent to convenient.

Therefore, the new fingerprint recognition credit card 200 is indeed a very convenient and practical creation, which can improve various shortcomings in the use of existing credit cards, and can indeed achieve the purpose of this new model.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

200:Fingerprint recognition credit card 3:Card body 30:front 4: Induction antenna 5: Fingerprint recognition module 6:IC chip 7: Photoelectric conversion module 81:Card machine 82:ATM cash machine 900:User 901:Servo host 902:Financial Account Host 903:Debit card

Other features and functions of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a three-dimensional schematic diagram illustrating the structure of a first embodiment of the new fingerprint identification credit card; Figure 2 is a functional block diagram illustrating the functional architecture of the first embodiment; Figure 3 is an architectural schematic diagram illustrating the system operation architecture of the first embodiment when it is used with a debit card and an ATM cash dispenser to open a card; Figure 4 is an architectural schematic diagram illustrating the system operation architecture for card swiping transactions and cash withdrawals in the first embodiment; Figure 5 is a three-dimensional schematic diagram illustrating the structure of a second embodiment of the new fingerprint recognition credit card; and FIG. 6 is a functional block diagram illustrating the functional architecture of the second embodiment.

200:Fingerprint recognition credit card

3:Card body

30:front

5: Fingerprint recognition module

6:IC chip

Claims (3)

A fingerprint recognition credit card, including: A card body; A fingerprint recognition module, embedded and exposed on the outer surface of the card body, can be driven by electricity to recognize fingerprints to obtain a biometric code; and An IC chip is installed and exposed on the outer surface of the card body, and the signal is connected to the fingerprint identification module. It can conduct power to drive the fingerprint identification module, and can be used to output a card information containing the biometric code. The fingerprint identification credit card as described in claim 1 also includes an induction antenna disposed in the card body and electrically connected to the fingerprint identification module and the IC chip. The induction antenna can sense radio wave signals to generate and drive the fingerprint identification. With the power of the module and the IC chip, the IC chip can wirelessly send the card information carrying the biometric code through the induction antenna. The fingerprint identification credit card as described in claim 2 also includes a photoelectric transducer module embedded and exposed on the outer surface of the card body and electrically connected to the fingerprint identification module and the IC chip. The photoelectric transducer module can be photosensitive. To generate power to drive the fingerprint recognition module and the IC chip.

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