| 摘要 |
<p>A financial transaction facilitating device for facilitating a financial transaction at an ATM, point of sale station, via the Internet or to login to a financial account generates a PIN in response to a correct biometric identifier being supplied. The device has a data storage unit, an input device operable by a transactor for inputting a request for a PIN, a biometric identifier input device for inputting a biometric identifier of the transactor, a verifying unit for verifying a biometric identifier provided, in use, by the transactor, a PIN generator for generating a PIN if the inputted biometric identifier is verified, and an output device for supplying the PIN to the transactor. The biometric identifier may be a sound signal, a visual signal, or a fingerprint. Correspondingly, a financial transaction processing facility of an issuer of credit or debit cards has a receiving unit for receiving a transaction request from a transactor to whom a credit or debit card has been issued, together with a PIN, a verifying unit for verifying the PIN, and a transaction approving unit for approving the transaction if the received PIN is verified. The received PIN may be verified using a check PIN generator for generating a check PIN and a comparator for comparing the check PIN and the received PIN.</p> |
