Electronic transaction system capable of improving transaction security and electronic transaction method thereof

• US 20060249572A1
• Filed: 06/29/2005
• Published: 11/09/2006
• Est. Priority Date: 05/03/2005
• Status: Abandoned Application

• Current Assignee: Gigi Chen, Shooter Digital Co. Ltd.
• Original Assignee: Gigi Chen, Shooter Digital Co. Ltd.
• Inventors: Hsueh, Kuo Sen, Chen, Gigi, Chao, Ko Li
• Application Number:
  US11/168,520
• Publication Number:
  US 20060249572A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/125 Offline card verification

Abstract

An electronic transaction system and an electronic transaction method thereof mainly comprise at least one issuing unit to generate at least one electronic certificate capable of representing the issuing unit or transaction object and at least one personal radio frequency identification capable of representing corresponding users according to the demanding application. The applying data associated with users can be stored in a certified management unit, wherein the electronic certificate can be stored in a portable electronic device owned by the user and displayed in the display screen of the portable electronic device. The personal radio frequency identification can also be kept by the user. When the user wants to proceed a shopping transaction, a sale end operation device of a sale end reads the electronic certificate and personal radio frequency identification, respectively, and connects to the certified management unit via a telecommunication device. The certified management unit determines and decides whether to permit proceeding a follow-up transaction or completing the shopping transaction according to the electronic certificate, personal radio frequency identification, and applying data. This way, not only the security and convenience in electronic transaction can be improved, but also the users have privacy.

Claims

1. An electronic transaction system capable of improving transaction security,

mainly comprising:

at least one issuing unit to selectively generate one of at least one electronic certificate, at least one personal radio frequency identification, and a combination thereof according to at least one demand of a user, and the user being able to keep said personal radio frequency identification;

a portable electronic device capable of storing said electronic certificate; and

a sale end operation device fixed with an electronic certificate reader for reading said electronic certificate and a radio frequency signal reader for reading said personal radio frequency identification and for deciding whether to proceed a follow-up transaction operation according to read electronic certificate and personal radio frequency identification.

2. The electronic transaction system according to claim 1, wherein each personal radio frequency identification can represent a corresponding user, and said electronic certificate can selectively represent one of said issuing unit and at least one transaction object.

3. The electronic transaction system according to claim 1 further comprising a certified management unit, and said portable electronic device and said sale end operation device capable of connecting to said certified management unit via a telecommunication device, respectively.

4. The electronic transaction system according to claim 1, wherein said electronic certificate can be selected from one of a barcode, multimedia message, text message, wireless network collecting message, symbol, and number.

5. The electronic transaction system according to claim 1, wherein said issuing unit can be selected from one of a financial institution, store, government organization, and community organization.

6. The electronic transaction system according to claim 1 further comprising at least one biological feature capturer selectively fixed at one of said portable electronic device and said sale end operation device and for inputting at least one biological feature signal of said user.

7. The electronic transaction system according to claim 6, wherein said biological feature capturer can be selected from one of an image capturer, voice capturer, and symbol key.

8. The electronic transaction system according to claim 6, wherein said biological feature signal can be selected from one of a fingerprint, pupil, blood vessel, voice, symbol, number, letter, and valid symbol.

9. The electronic transaction system according to claim 6, wherein said biological feature signal can be transmitted to a certified management unit, and said certified management unit can use it to decide whether to proceed said follow-up transaction operation.

10. The electronic transaction system according to claim 1, wherein said follow-up transaction operation can be selected from one of inputting transaction amount of money, connecting a certified management unit, inputting a sale end number, inputting a biological feature signal, printing payment receipt, granting products, granting transaction certificate, and canceling transaction.

11. The electronic transaction system according to claim 1, wherein said personal radio frequency identification can be selected from one of fixed in said portable electronic device and separated from portable electronic device.

12. The electronic transaction system according to claim 1, wherein said portable electronic device further comprises a display screen capable of displaying said electronic certificate.

13. The electronic transaction system according to claim 12, wherein said display screen can use a colorful image to represent one of said corresponding issuing units.

14. The electronic transaction system according to claim 1, wherein said issuing unit uses a telecommunication device to transmit said electronic certificate to said portable electronic device.

15. The electronic transaction system according to claim 1, wherein said portable electronic device can be selected from one of a cell phone, portable computer, personal digital assistant, stock messenger, global satellite locator, video/audio player, and recording pen.

16. The electronic transaction system according to claim 1, wherein said radio frequency signal reader can be directly fixed in said electronic certificate reader.

17. An electronic transaction system capable of improving transaction security,

mainly comprising:

an issuing unit to generate an electronic certificate according to at least one demand of a user;

at least one portable electronic device capable of receiving said electronic certificate via a telecommunication device; and

a sale end operation device fixed with an electronic certificate reader for reading said electronic certificate and for deciding whether to proceed a follow-up transaction operation according to read electronic certificate.

18. The electronic transaction system according to claim 17, wherein said electronic certificate can be selected from one of a barcode, multimedia message, text message, wireless network collecting message, symbol, and number.

19. The electronic transaction system according to claim 17, wherein said electronic certificate can be selected from one of a shopping certificate, bus or train ticket, flight ticket, vote, concert ticket, preferential price ticket, issuing unit, exchange certificate, and transaction object.

20. An electronic transaction method capable of improving transaction security,

mainly comprising the steps of:

a user applying a demanding application to an issuing unit such that said issuing unit can selectively generate one of at least one electronic certificate, at least one personal radio frequency identification, and a combination thereof, and applying data associated with said electronic certificate and said personal radio frequency identification stored in a certified management unit;

the user keeping said personal radio frequency identification and using a portable electronic device to store said electronic certificate;

a sale end operation device capable of reading said electronic certificate and said personal radio frequency identification when a shopping transaction wants to be proceeded; and

connecting to said certified management unit and transmitting said electronic certificate and said personal radio frequency identification to said certified management unit, and said certified management unit deciding whether to proceed a follow-up transaction operation according to said electronic certificate, personal radio frequency identification, and applying data.

21. The electronic transaction method according to claim 20, wherein said issuing unit can be selected from one of a financial institution, store, government organization, and community organization.

22. The electronic transaction method according to claim 20, wherein said follow-up transaction operation can be selected from one of inputting transaction amount of money, inputting a sale end number, requesting to input a biological feature signal, granting products, granting transaction certificate, and canceling transaction.

23. The electronic transaction method according to claim 20 further comprising the steps of:

requesting to input a biological feature signal;

the user capable of selecting one of said portable electronic device and said sale end operation device to input said user'"'"'s biological feature signal and using a telecommunication device to transmit to said certified management unit.

24. The electronic transaction method according to claim 23, wherein said biological feature signal can be selected from one of a fingerprint, pupil, blood vessel, voice, symbol, number, letter, and valid symbol.

25. The electronic transaction method according to claim 20 further comprising the step of:

placing at least one personal radio frequency identification into said portable electronic device.

26. The electronic transaction method according to claim 20, wherein said portable electronic device can be selected from one of a cell phone, portable computer, personal digital assistant, stock messenger, global satellite locator, video/audio player, and recording pen.

27. The electronic transaction method according to claim 20, wherein said electronic certificate can be selected from one of a barcode, multimedia message, text message, wireless network collecting message, symbol, and number.

28. The electronic transaction method according to claim 20, wherein said portable electronic device further comprises a display screen capable of displaying said electronic certificate.

29. The electronic transaction method according to claim 28, wherein said display screen can present a colorful image to represent one of said corresponding issuing units.

30. The electronic transaction method according to claim 20 further comprising the step of:

said sale end operation device selecting to print out one of a payment receipt and a transaction certificate and requesting the user to sign.

31. The electronic transaction method according to claim 20 further comprising the step of:

the user notifying said issuing unit and requesting said electronic identification to be transmitted to another portable electronic device through a telecommunication device.

32. The electronic transaction method according to claim 31 further comprising the step of:

said sale end operation device only reading said electronic identification and deciding whether to proceed said follow-up transaction operation according to said electronic identification.