Safety transaction method

• US 6,334,575 B1
• Filed: 11/01/2000
• Issued: 01/01/2002
• Est. Priority Date: 11/01/2000
• Status: Expired due to Fees

• Current Assignee: Singular Technology Corporation
• Original Assignee: Singular Technology Corporation
• Inventors: Su-Hui, Liang
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US09/702,893
• Time in Patent Office: 426 Days
• Field of Search: 235/492, 235/380, 705/64
• US Class Current: 235/492
• 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 20/346 Cards serving only as information carrier of service
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A safety transaction method through a PDFA (portable data & financing assistance) main unit formed of a PDA, a card reader, a fingerprint module, and a wireless communication module. The transaction method includes the steps of the steps of: (a) calling a bill built in a PDA (personal digital assistant) in a PDFA (portable data & financing assistance) main unit, (b) inputting the amount consumed. (c) inserting a shop data identification card of the shop in which the transaction is to be done, and then reading the data of the inserted shop data identification card and then inputting the data of the inserted shop data identification card automatically or by labor, (d) removing the inserted shop data identification card from said PDFA main unit, and then inserting the personal data credit card of the consumer, and then clicking a quick-dial key to connect to the financial center who issues the shop data identification card through a wireless communication module of said PDFA main unit, and (e) inputting the consumer'"'"'s fingerprint, so as to complete the transaction after recognition of the inputted fingerprint by a finger print module of said PDFA main unit.

Claims

1. A safety transaction method of using a credit card to make a transaction, comprising the steps of:

(1) calling a bill built in a PDA, personal digital assistant, in a PDFA, portable data &

financing assistance, main unit;

(2) inputting the amount consumed;

(3) inserting a shop data identification card of the shop in which the transaction is to be done, and then reading the data of the inserted shop data identification card and then inputting the data of the inserted shop data identification card automatically or by labor;

(4) removing the inserted shop data identification card from said PDFA main unit, and then inserting the personal data credit card of the consumer, and then clicking a quick-dial key to connect to the financial center who issues the shop data identification card through a wireless communication module of said PDFA main unit; and

(5) inputting the consumer'"'"'s fingerprint, so as to complete the transaction after recognition of the inputted fingerprint by a finger print module of said PDFA main unit.

2. The safety transaction method of claim 1, wherein said PDFA main unit comprises a card reader adapted to read the data of said shop data identification card and said personal data credit card.

3. The safety transaction method of claim 1, wherein said PDA of said PDFA main unit comprises a plug-and-play PCMCIA card/memory, CF, card insertion interface slot and a RS-232 USB, universals serial bus, port.

4. The safety transaction method of claim 1, wherein the wireless communication module of said PDFA main unit comprises a walkie-talkie module, a GSM/DCS/PHS system, and a particular frequency module.

5. The safety transaction method of claim 3, wherein said PDFA main unit provides the function of portfolio after insertion of a plug-and-play PCMCIA card/memory CF, card.

6. The safety transaction method of claim 4, further comprising an e-mail sending procedure through said PDFA main unit, said e-mail sending procedure including the step of using a word processing software built in said PDA to process the data to be sent by e-mail and then setting up a file in said PDA, the step of inserting the personal data credit card of the user into said PDFA main unit and then inputting the file name of the file to be sent by e-mail, and the step of inputting the user'"'"'s finger print, so as to complete the dispatch of the file by e-mail after recognition of the inputted finger print by said finger print module of said PDFA main unit.

7. The safety transaction method of claim 4, further comprising an on-line ordering procedure, said on-line ordering procedure comprising the step of inputting the name of amount of the commodity to be ordered, fetching the item code file, and the step of inserting the personal data credit card of the user into said PDFA main unit and then clicking a quick-dial button of said PDFA main unit, and the step of inputting the user'"'"'s finger print, so as to complete the transaction after recognition of the inputted finger print by said finger print module of said PDFA main unit.

8. The safety transaction method of claim 4, further comprising a data transmitting procedure through a particular frequency module of said wireless communication module, said data transmitting procedure comprising the step of scan-storing the data to be transmitted in a server being linked to said PDFA main unit, the step of clicking a receiving button of said PDFA main unit to receive the data from said server, and the step of selectively storing the data in a plug-and-play PCMCIA card or memory, CF, card being in said PDFA main unit.

9. The safety transaction method of claim 1, wherein said shop data identification card has the function of a credit card.