Portable electronic card system and verifying method thereof

• US 9,900,307 B2
• Filed: 12/30/2016
• Issued: 02/20/2018
• Est. Priority Date: 02/27/2014
• Status: Active Grant

• Current Assignee: Pinsheng Sun
• Original Assignee: Pinsheng Sun
• Inventors: Sun, Pinsheng
• Primary Examiner(s): GIDDINS, NELSON S
• Application Number:
  US15/396,131
• Publication Number:
  US 20170111349A1
• Time in Patent Office: 417 Days
• CPC Class Codes: G06F 7/12 with provision for printing-out a list of selected items
• CPC Class Codes: G06K 19/10 at least one kind of marking being used for authentication, e.g. of credit or identity cards verification of coded identity or credit cards in mechanisms actuated by them G07F7/12
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/349 Rechargeable cards
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4097 using mutual authentication between devices and transaction partners
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226

Abstract

A portable electronic card system and a verifying method thereof are provided. The portable electronic card system includes: a portable personal electronic device, a rewritable card, and a writing device. The portable personal electronic device is used for obtaining a certificated code and a personal information from a remote controller. When a bidirectional verifying communication is performed between the remote controller and the portable electronic device to download the personal information, security code stored in the rewritable card be compared with security code stored in the portable electronic device for verifying and writing the personal information into the rewritable card, and another security code is generated to update or replace the original security code stored in the portable electronic device and the rewritable card.

Claims

1. A portable electronic card system, comprising:

a portable electronic device, for obtaining a certificated code and a personal information from a database installed in a remote controller located outside of the portable electronic device; and

a writing device, electrically connecting to the portable electronic device and writing the personal information into a rewritable card;

wherein a bidirectional verifying communication is performed between the remote controller and the portable electronic device to download the personal information from the remote controller by wireless communication;

wherein the portable electronic device comprises a code generator for generating a first security code to store in the portable electronic device and the rewritable card;

wherein when the personal information is downloaded to the portable electronic device from the remote controller after the bidirectional verifying communication, the first security code stored in the rewritable card is compared with the first security code stored in the portable electronic device for verifying and writing the personal information into the rewritable card, and the code generator generates a second security code to update or replace the first security code stored in the portable electronic device and the rewritable card;

wherein the first security code and the second security code are unknown to applicant;

wherein the rewritable card has a serial number, and the portable electronic device is used for inputting an application data by applicant and reading the serial number from the rewritable card, communicating with the remote controller by wireless communication, and transmitting the application data and the serial number to the remote controller for performing the bidirectional verifying communication between the remote controller and the portable electronic device to download the personal information from the remote controller by wireless communication;

wherein the serial number of the rewritable card is unknown to applicant;

wherein the portable electronic device comprising;

an application module for inputting the application data by applicant and reading the serial number from the rewritable card;

a communication module for communicating with the remote controller and transmitting the application data and the serial number to the remote controller by wireless communication, and then receiving a password from the remote controller when the application data is verified by the remote controller, wherein the password is originally unknown to applicant; and

a program module used to input the password originally unknown to applicant and transmit the password to the remote controller, and then receiving the certificated code from the remote controller when the password is verified by the remote controller, and then transmitting the certificated code to the remote controller for verification, wherein the certificated code is originally unknown to applicant,

wherein the personal information is downloaded to the portable electronic device from the remote controller after verifications of the password and the certificated code originally unknown to applicant by the remote controller through the bidirectional verifying communication between the remote controller and the portable electronic device and for storing the personal information and for transferring the personal information into the rewritable card;

wherein the bidirectional verifying communication comprising;

when the portable electronic device receives the password and the certificated code originally unknown to applicant, the program module feedbacks the password and the certificated code originally unknown to applicant to the remote controller for verification.

2. The portable electronic card system according to claim 1, wherein when the rewritable card is written by the writing device in the first time after the bidirectional verifying communication, the serial number of the rewritable card is compared with the serial number stored in the portable electronic device for verifying and writing the personal information into the rewritable card, and the code generator generates the first security code for storing in the portable electronic device and the rewritable card.

3. The portable electronic card system according to claim 1, wherein the code generator generates the first security code to store in the portable electronic device, the rewritable card, and the remote controller;

wherein when the personal information is downloaded to the portable electronic device from the remote controller after the bidirectional verifying communication, the first security code stored in the rewritable card is compared with the first security code stored in the portable electronic device or the first security code stored in the remote controller for verifying and writing the personal information into the rewritable card, and the code generator generates the second security code to update or replace the first security code stored in the portable electronic device, the rewritable card, and the remote controller.

4. The portable electronic card system according to claim 3, wherein when the rewritable card is written by the writing device in the first time after the bidirectional verifying communication, the serial number of the rewritable card is compared with the serial number stored in the portable electronic device for verifying and writing the personal information into the rewritable card, and the code generator generates the first security code for storing in the portable electronic device, the rewritable card, and the remote controller;

wherein the first security code and the second security code generated by the code generator are transmitted to the remote controller by wireless communication.

5. The portable electronic card system according to claim 3, further comprising a verifying device for performing a secured verification with the rewritable card by a physically connected method or a wirelessly sensed method.

6. The portable electronic card system according to claim 5, wherein the secured verification is performed by comparing the second security code stored in the rewritable card and the second security code stored in the remote controller;

wherein when the first security code stored in the remote controller is not updated or replaced by the second security code, the secured verification is performed by comparing the first security code stored in the rewritable card and the first security code stored in the remote controller.

7. The portable electronic card system according to claim 1, wherein the bidirectional verifying communication comprising:

the portable electronic device receives a password originally unknown to applicant after transmitting the application data and the serial number to the remote controller; and

the portable electronic device feedbacks the password originally unknown to applicant to the remote controller for verification.

8. The portable electronic card system according to claim 1, wherein the bidirectional verifying communication comprising:

the portable electronic device receives a password and the certificated code after transmitting the application data and the serial number to the remote controller; and

the portable electronic device feedbacks the password and the certificated code originally unknown to applicant to the remote controller for verification;

wherein, the password and the certificated code are originally unknown to applicant.

9. The portable electronic card system according to claim 1, further comprising a reading device, electrically connecting to the portable electronic device and reading the personal information from the rewritable card;

wherein the writing device and the reading device are embedded in the portable electronic device.

10. The portable electronic card system according to claim 1, wherein the rewritable card has a rewritable storage device for storing the personal information, the rewritable storage device of the rewritable card comprises at least one magnetic strip or at least one chip, and the rewritable card is a rewritable plastic card.

11. The portable electronic card system according to claim 1, wherein the writing device comprises a slot for accommodating the rewritable card, and the rewritable card is used for a credit card, a banking card, an automatic teller machine card, membership card, a private identification card, a debit card or a key card.

12. A verifying method of a portable electronic card system, comprising:

obtaining a certificated code and a personal information from a database of a remote controller by using a portable electronic device through a bidirectional verifying communication between the remote controller and the portable electronic device, wherein the remote controller is located outside of the portable electronic device, and a first security code has been generated by a code generator for storing in the portable electronic device and a rewritable card;

comparing the first security code stored in the rewritable card with the first security code stored in the portable electronic device for verifying when the personal information is downloaded to the portable electronic device from the remote controller after the bidirectional verifying communication;

writing the personal information into the rewritable card by a writing device electrically connected to the portable electronic device; and

generating a second security code by the code generator for updating or replacing the first security code stored in the portable electronic device and the rewritable card, wherein the first security code and the second security code are unknown to applicant;

wherein the rewritable card has a serial number unknown to applicant, and the step of obtaining the certificated code and the personal information from the database includes;

using the portable electronic device to input an application data by applicant and reading the serial number from the rewritable card;

communicating with the portable electronic device and the remote controller by wireless communication; and

transmitting the application data and the serial number located the portable electronic device to the remote controller for performing the bidirectional verifying communication between the remote controller and the portable electronic device to download the personal information from the remote controller by wireless communication;

wherein the portable electronic device comprising;

an application module for inputting the application data by applicant and reading the serial number from the rewritable card;

a communication module for communicating with the remote controller and transmitting the application data and the serial number to the remote controller by wireless communication, and then receiving a password from the remote controller when the application data is verified by the remote controller, wherein the password is originally unknown to applicant; and

a program module used to input the password originally unknown to applicant and transmit the password to the remote controller, and then receiving the certificated code from the remote controller when the password is verified by the remote controller, and then transmitting the certificated code to the remote controller for verification, wherein the certificated code is originally unknown to applicant,

wherein the personal information is downloaded to the portable electronic device from the remote controller after verifications of the password and the certificated code originally unknown to applicant by the remote controller through the bidirectional verifying communication between the remote controller and the portable electronic device and for storing the personal information and for transferring the personal information into the rewritable card;

wherein the bidirectional verifying communication comprising;

when the portable electronic device receives the password and the certificated code originally unknown to applicant, the program module feedbacks the password and the certificated code originally unknown to applicant to the remote controller for verification.

13. The method according to claim 12, wherein when the rewritable card is written by the writing device in the first time after the bidirectional verifying communication, the serial number of the rewritable card is compared with the serial number stored in the portable electronic device for verifying and writing the personal information into the rewritable card, and the code generator generates the first security code for storing in the portable electronic device and the rewritable card.

14. The method according to claim 12, wherein the code generator generates the first security code to store in the portable electronic device, the rewritable card, and the remote controller;

wherein when the personal information is downloaded to the portable electronic device from the remote controller after the bidirectional verifying communication, the first security code stored in the rewritable card is compared with the first security code stored in the portable electronic device or the first security code stored in the remote controller for verifying and writing the personal information into the rewritable card, and the code generator generates the second security code to update or replace the first security code stored in the portable electronic device, the rewritable card, and the remote controller;

wherein when the rewritable card is written by the writing device in the first time after the bidirectional verifying communication, the serial number of the rewritable card is compared with the serial number stored in the portable electronic device for verifying and writing the personal information into the rewritable card, and the code generator generates the first security code for storing in the portable electronic device, the rewritable card, and the remote controller;

wherein the first security code and the second security code generated by the code generator are transmitted to the remote controller by wireless communication.

15. The method according to claim 14, further comprising a step for performing a secured verification between a verifying device and the rewritable card by a physically connected method or a wirelessly sensed method;

wherein the secured verification is performed by comparing the second security code stored in the rewritable card and the second security code stored in the remote controller;

wherein when the first security code stored in the remote controller is not updated or replaced by the second security code, the secured verification is performed by comparing the first security code stored in the rewritable card and the first security code stored in the remote controller.

16. The method according to claim 12, wherein the bidirectional verifying communication comprising:

the portable electronic device receives a password and the certificated code after transmitting the application data and the serial number to the remote controller; and

the portable electronic device feedbacks the password and the certificated code originally unknown to applicant to the remote controller for verification;

wherein, the password and the certificated code are originally unknown to applicant.