# US 11,308,495 B2 · Financial card with function of fingerprint verification and working method therefor

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 11,308,495 B2
- Document ID: US11308495B2
- Status: Granted
- Kind: B2
- Application number: 16/803,949
- Filed: 2020-02-27
- Published: 2020-06-25
- Granted: 2022-04-19
- Earliest claimed: 2017-12-11
- Assignees: Feitian Technologies Co., Ltd.
- Applicants: Feitian Technologies Co., Ltd.
- Inventors: Zhou Lu; Huazhang Yu
- Web page: https://patentgrep.com/patent/US11308495B2

## CPC

- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q 20/40145: {Biometric identity checks}
- G06K 19/0718: {the sensor being of the biometric kind, e.g. fingerprint sensors (fingerprint sensors in general G06V40/13; biometric access-control systems in general, see G07C9/00)}
- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/354: {Card activation or deactivation}
- G06Q 20/3563: {Software being resident on card}
- G06Q 20/3574: {Multiple applications on card}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G07F 7/0833: {Card having specific functional components}
- G07F 7/0866: {by active credit-cards adapted therefor (G07F7/1008 takes precedence)}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

The present disclosure provides a financial card with function of fingerprint verification and a working method therefor, which belongs to information technology field The financial card with function of fingerprint verification includes: a waiting and receiving module (401), a determining module (402), a storing module (403), a first sending module (404), a second sending module (405), a third sending module (406), an application cryptogram module (407) and a fourth sending module (408). The financial card provided by the present disclosure further includes a cardholder verifying module and/or a boot-up verifying module The solution provided by the present disclosure improves security of the identity verification in an e-transaction and makes the e-transaction to be more convenient by using the fingerprint to execute identity verification.

## Claims

### Claim 1

A working method for a financial card with function of fingerprint verification, comprising:
Step S1, receiving, by the financial card, at least one command from a host computer;
Step S2, determining, by the financial card, a type of one of the at least one command is a verifying command and the verifying command is specifically a fingerprint verifying command;
executing, by the financial card, card holder verification according to a fingerprint of a user;
and returning, by the financial card, information related to the card holder verification to the host computer, wherein the financial card comprises a fingerprint collector and a power key;
and, before the Step S2, the method further comprises:
receiving, by the financial card, a boot-up event, wherein the receiving, by the financial card, the boot-up event comprises: the financial card being powered up, or the power key being pressed by the user;
executing, by the financial card, boot-up verification according to a self-stored user registration fingerprint and a fingerprint input by a user, wherein the fingerprint input by the user is obtained from the fingerprint collector,
executing the Step S2 when the boot-up verification is successful;
and when the boot-up verification is successful, the Step S2 further comprises:
determining, by the financial card, the type of one of the at one command further comprises: a processing option acquiring command and an application data reading command;
when the financial card determines the type of one of the at least one command is the processing option acquiring command, Step S4, sending, by the financial card, file information comprising record information related to a self-stored online verification code to the host computer, wherein the record information related to the self-stored online verification code comprises a short file identification of a file where the self-stored online verification code is located and a corresponding record number; and
when the financial card determines the type of one of the at least one command is the application data reading command, Step S5, sending, by the financial card, application data comprising the self-stored online verification code corresponding to the record information of the self-stored online verification code to the host computer.

### Claim 2 (depends on 1)

The method of claim 1, wherein the executing, by the financial card, boot-up verification according to a self-stored user registration fingerprint and a fingerprint input by a user comprises:
Step H1, prompting, by the financial card, the user to input a fingerprint; and
Step H2, verifying, by the financial card, the fingerprint input by the user according to the self-stored user registration fingerprint when the financial card obtains the fingerprint input by the user.

### Claim 3 (depends on 1)

The method of claim 1, wherein the executing, by the financial card, financial card boot-up verification according to a self-stored user registration fingerprint and a fingerprint input by a user comprises: computing, by the financial card, fingerprint feature according to the fingerprint input by the user, determining whether the computed fingerprint feature is consistent with the fingerprint feature of the self-stored user registration fingerprint, when the computed fingerprint feature is consistent with the fingerprint feature of the self-stored user registration fingerprint, the boot-up verification is successful; otherwise, the boot-up verification is failed;
when the boot-up verification is successful, the method further comprises: storing, by the financial card, the computed fingerprint feature;
wherein the fingerprint verifying command is specifically an online fingerprint verifying command;
wherein the executing, by the financial card, card holder verification according to a fingerprint of a user and returning, by the financial card, information related to the card holder verification to the host computer comprises:
sending, by the financial card, the stored computed fingerprint feature to the host computer.

### Claim 4 (depends on 1)

The method of claim 1, wherein the financial card executes boot-up verification according to self-stored user registration fingerprint and the fingerprint input by the user, and when the boot-up verification is successful, the method further comprises: storing, by the financial card, a result of successful verification;
wherein the fingerprint verifying command is specifically an offline fingerprint verifying command; and
wherein the executing, by the financial card, card holder verification according to a fingerprint of a user and returning, by the financial card, information related to the card holder verification to the host computer comprises: generating, by the financial card, information that offline fingerprint verification is successful according to the stored result of successful card holder verification and sending the information that the offline fingerprint verification is successful to the host computer.

### Claim 5 (depends on 1)

The method of claim 1, wherein the executing, by the financial card, boot-up verification according to a self-stored user registration fingerprint and a fingerprint input by a user comprises: computing, by the financial card, fingerprint feature according to the fingerprint input by the user, determining whether the computed fingerprint feature is consistent with the fingerprint feature of the self-stored user registration fingerprint, when the computed fingerprint feature is consistent with the fingerprint feature of the self-stored user registration fingerprint, the boot-up verification is successful; otherwise, the boot-up verification is failed;
when the boot-up verification is successful, the method further comprises: storing, by the financial card, the computed fingerprint feature;
wherein the file information sent by the financial card to the host computer further comprises recording information of the computed fingerprint feature;
wherein the application data sent by the financial card to the host computer further comprises the computed fingerprint feature corresponding to the recording information of the computed fingerprint feature.

### Claim 6 (depends on 1)

The method of claim 1, wherein the fingerprint verifying command is specifically an offline fingerprint verifying command;
wherein the executing, by the financial card, card holder verification according to the fingerprint of the user and returning, by the financial card, information related to the card holder verification to the host computer comprises: obtaining, by the financial card, the fingerprint input by the user; executing, by the financial card, card holder verification on the fingerprint input by the user according to the self-stored user registration fingerprint when the financial card obtains the fingerprint input by the user; when the card holder verification is successful, returning, by the financial card, the information that offline fingerprint verification is successful to the host computer; otherwise, returning, by the financial card, information that the offline fingerprint verification is failed to the host computer.

### Claim 7 (depends on 1)

The method of claim 1, wherein the financial card communicates data with the host computer via Bluetooth.