Electronic purse for converting fingerprint information into personal identification code and converting method

Abstract

The invention relates to an electronic purse for converting fingerprint information into a personal identification code and a converting method, and belongs to the technical field of electronic payment. Safety defects existing in a bank card particularly a magnetic stripe bank card in the transaction process are mainly overcome. The electronic purse comprises a fingerprint identification module, an electronic purse managing module, a touch screen, a memorizer communication module and a power module and is characterized by further comprising a fingerprint information converting module connected between the fingerprint identification module and the electronic purse managing module, and the fingerprint information converting module converts the fingerprint information passing identification into the personal identification code which can be connected with a cash transaction terminal in an abutting-against mode and outputs the personal identification code for transaction. The electronic purse and the converting method have the advantages that the cash transaction terminal is directly connected in the abutting-against mode for use, and a fingerprint of a trader is used for direct right verification of the transaction terminal, so that safety is better, and the electronic purse and the converting method are mainly used for converting the fingerprint information into the personal identification code.

Description

technical field [0001] The invention belongs to the technical field of electronic payment and relates to an electronic wallet, in particular to an electronic wallet and a conversion method for converting fingerprint information into a personal identification code. Background technique [0002] Compared with cash payment, all kinds of bank cards and consumer cards are recognized by everyone because of their convenience and safety, and have become the most widely used payment methods at present. Different cards bring inconvenience to users, and more people pay more attention to the safety of bank cards and their transactions in the transaction process. Facing criminals’ tricks and constantly renovating their modus operandi, it brings losses to users. , is a common occurrence. But at present, the bank card is used as the carrier to transmit through fixed network and financial private network, and users conduct transactions on ATM machines and POS machines. Such a transaction s...

AI Technical Summary

Problems solved by technology

The emergence of electronic wallets, including mobile wallets, has solved the inconvenience of using and carrying bank cards to a certain extent, but people still have doubts about their security. Mobile wallets and some new payment methods are not compatible with each other, especially It cannot be compatible with the existing transaction terminal equipment. The problems brought about by this are: firstly, it will bring inconvenience to consumers; a very urgent problem

[0003] In order to improve the security of transactions, it is undoubtedly the most practical and feasible choice to use fingerprint recognition technology to identify user identities. According to the search data, there are four patents using this technology on electronic wallets in recent years. They are CN201220628599 an electronic wallet with a preset delay key, CN200910091555 a special electronic payment device, CN201320133878 an all-in-one digital mobile card, and CN03114340 a method for realizing mobile e-commerce using a fingerprint terminal and a smart phone. The three patents all use fingerprint recognition technology to authenticate transaction tools such as mobile phones, but for transaction terminals such as ATM machines and POS machines, it is concerned with confirming the identity of the trader, so when the user conducts transactions, It is still necessary to use the keyboard to input the user's personal identification code, which not only reduces the convenience of operation, but more importantly, this link is the link that exposes the most security problems in the transaction. For the fourth patent, the patent proposes The solution needs to set up a special fingerprint library on the terminal business platform for fingerprint verification. The disadvantage of this method is that the transmission of fingerprint information increases the workload and cost of transmission. The establishment of the fingerprint library requires a certain amount of investment and may even involve related regulatory issues

Images