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WO2015163558A1 - Procédé de paiement utilisant la reconnaissance d'informations biométriques, et dispositif et système associés - Google Patents

Procédé de paiement utilisant la reconnaissance d'informations biométriques, et dispositif et système associés Download PDF

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Publication number
WO2015163558A1
WO2015163558A1 PCT/KR2014/012445 KR2014012445W WO2015163558A1 WO 2015163558 A1 WO2015163558 A1 WO 2015163558A1 KR 2014012445 W KR2014012445 W KR 2014012445W WO 2015163558 A1 WO2015163558 A1 WO 2015163558A1
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WIPO (PCT)
Prior art keywords
payment
information
biometric information
biometric
service
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Ceased
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PCT/KR2014/012445
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English (en)
Korean (ko)
Inventor
곽세병
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SK Planet Co Ltd
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SK Planet Co Ltd
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Publication date
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Publication of WO2015163558A1 publication Critical patent/WO2015163558A1/fr
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Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints

Definitions

  • the present invention relates to a payment service, and in particular, to perform authentication of a user using biometric information obtained through biometrics of a user, and a payment method using biometric information recognition for automatically performing a payment service according to the authentication result, An apparatus and system for the same.
  • a user of a mobile phone can use internet connection, web surfing, and the like through data communication, and can purchase a desired product while surfing the web. Available electronic commerce services.
  • biometrics is a method of extracting and identifying unique biometric information such as fingerprints, irises, sweat glands, and blood vessels for each individual, and authenticating them.
  • personal identification such as face shapes, voices, fingerprints, eyes, etc. can not only be used by the theft or duplication of others like keys or passwords, but there is no risk of being changed or lost.
  • biometrics include fingerprint scan, vein recognition, iris scan, voice recognition, and facial recognition.
  • biometrics are used in fields requiring identification of an individual due to existence, convenience, and the like.
  • the present invention is proposed to solve the conventional inconvenience, by performing the authentication of the user by using the biometric information obtained through the user's biometrics, and by performing the payment service automatically according to the authentication result, user authentication more accurately And to provide a payment method using a biometrics information recognizing to strengthen the security at the time of payment, an apparatus and system for the same.
  • Terminal device for achieving the above object, the communication unit for transmitting and receiving data for the payment service using the biometric information in conjunction with the service device via a communication network; A biometric unit recognizing biometric information for use in a payment service; And a biometric information recognition method that is functionally connected to the communication unit and the biometric recognition unit, and presets biometric information recognition method to be used for the payment service, and registers biometric registration information and payment information for biometric information recognized according to a preset biometric information recognition method. Register with a service device, transmit biometric information and payment request information recognized according to the preset biometric information recognition method to the service device, and process user authentication and payment by the service device using the biometric information. When is completed, it may include a control unit for controlling to receive payment processing result information from the service device.
  • the control unit receives the first biometric information and the second biometric information recognized according to the predetermined biometric information recognition scheme by the biometric recognition unit, and receives the received first biometric information.
  • Payment authentication information combining biometric information and second biometric information may be generated, and a payment request message including the generated payment authentication information and payment request information may be transmitted to the service device.
  • the controller is configured to read the first biometric information recognized by the biometric recognition unit according to the physical characteristics or habits of the user input according to the first biometric information recognition guide.
  • the user authentication may be performed by receiving from the biometric unit and confirming whether the received first biometric information matches the pre-stored first biometric information.
  • the control unit when the user authentication is successful, performs a guide for recognizing a second biometric information and is input according to the guide for recognizing the second biometric information.
  • 2 may receive biometric information from the biometric unit, and transmit a payment request message including the received second biometric information and payment request information to the service device.
  • the biometric unit comprises: at least one sensor for recognizing the first biometric information; And a recognition device recognizing the second biometric information.
  • a service apparatus including: a communication unit configured to transmit and receive data for a payment service using biometric information in association with one or more terminal devices through a communication network; And register and receive biometric registration information and payment information for biometric information recognized according to a biometric information recognition method to be used for the payment service from the terminal device in advance, and pre-register the biometric information received when a payment request is received from the terminal device.
  • the user authentication may be performed in comparison with the biometric registration information. If the user authentication is successful, the service provider may include a service providing unit configured to perform the requested payment process by using the registered payment information mapped to the biometric information.
  • the service providing unit payment authentication information generated by combining the first biometric information and the second biometric information recognized according to the predetermined biometric information recognition method from the terminal device
  • the user authentication may be performed by comparing the received payment authentication information with the previously registered biometric registration information.
  • the service providing unit if the first user authentication is successful using the first biometric information according to the physical characteristics or habits of the user in the terminal device,
  • the second biometric information recognized according to the recognition method may be received from the terminal device, and the second user authentication may be performed by comparing the received second biometric information with the previously registered biometric registration information.
  • the service provider if the second user authentication is successful, payment information and payment request mapped to the pre-registered biometric information corresponding to the second biometric information
  • the received payment processing result information may be transmitted to the terminal device.
  • the service providing unit upon receiving payment authentication information combining two or more biometric information recognized according to the predetermined biometric scheme from the terminal device, Comparing the previously registered biometric information corresponding to any one of the included biometric information to perform the first user authentication, if the user authentication is successful, payment for the second user authentication and payment approval using the other biometric information You can control to perform authentication.
  • a payment system sets a biometric information recognition method to be used for a payment service, and registers biometric information on biometric information recognized according to a preset biometric information recognition method.
  • a terminal device registering information and payment information, recognizing biometric information according to the preset biometric information recognition method when requesting a payment, and requesting payment using the recognized biometric information; And interworking with the terminal device through a communication network, receiving and registering the biometric registration information and payment information from the terminal device in advance, and comparing the biometric information received when the payment request is received from the terminal device with previously registered biometric information.
  • a service device for performing user authentication, and if the user authentication is successful, performing a requested payment process using the registered payment information mapped to the biometric information and transmitting payment process result information to the terminal device. can do.
  • the step of setting in advance the biometric information recognition method to be used for the payment service through the registration function of the payment application Generating biometric information as recognized biometric information according to a predetermined biometric information recognition scheme; Transmitting and registering the generated biometric registration information and payment information for the payment service to the service device; Recognizing biometric information input from a user according to the preset biometric information recognition method when a payment is requested from a user; Requesting payment processing from the service device using the recognized biometric information; And receiving, by the service device, payment processing result information from the service device when the user authentication and payment processing is completed using the biometric information.
  • the step of recognizing the biometric information input from the user according to the predetermined biometric information recognition method when the payment request from the user Receiving a payment request from a user, performing a guide for recognizing first biometric information; Recognizing first biometric information according to the physical characteristics or habits of the user; Confirming whether the recognized first biometric information matches the pre-stored first biometric information to perform user authentication; If the user authentication is successful, performing a guide for recognizing a second biometric information; And recognizing second biometric information for performing user authentication in the service device.
  • the step of performing the user authentication by comparing the received biometric information with previously registered biometric registration information, the recognition in the terminal device Receiving second biometric information recognized according to the preset biometric scheme from the terminal device when the first user authentication succeeds using the first biometric information; And comparing the received second biometric information with the previously registered biometric information to perform a second user authentication.
  • a program for executing a payment method using biometrics information is recorded.
  • the present invention recognizes biometric information to be used for a payment service according to a predetermined biometric information recognition method, performs user authentication using biometric information recognized during payment processing, and performs payment processing for a purchased product according to a user authentication result. It is possible to check whether the user more accurately, so that the security at the time of payment can be strengthened.
  • the present invention does not need to be issued the existing authentication information for user authentication as the user authentication through the biometric information, it is possible to perform the user authentication simply and accurately without the need to perform a complex authentication procedure, authentication It is effective in preventing information leakage and preventing illegal payment by others.
  • FIG. 1 is a diagram showing the configuration of a payment system according to an embodiment of the present invention.
  • FIG. 2 is a diagram illustrating a configuration of a terminal device in a payment system according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating a configuration of a service device in a payment system according to an embodiment of the present invention.
  • FIG. 4 is a diagram illustrating a configuration of a payment device in a payment system according to an embodiment of the present invention.
  • FIG. 5 is a diagram illustrating a payment method using biometric information recognition in a payment system according to an embodiment of the present invention.
  • FIG. 1 is a diagram showing the configuration of a payment system according to an embodiment of the present invention.
  • the payment system may include a terminal device 100, a service device 200, and a payment device 300 connected through a communication network 10.
  • the terminal device 100 refers to a terminal capable of transmitting and receiving various data via the communication network 10 according to a user's key manipulation, and may be a tablet PC, a laptop, or a personal computer. ), A smart phone, a personal digital assistant (PDA), a smart TV, and a mobile communication terminal (Mobile Communication Terminal).
  • PDA personal digital assistant
  • Mobile Communication Terminal Mobile Communication Terminal
  • the terminal device 100 is a terminal for performing voice or data communication using the communication network 10, and stores a browser, a program, and a protocol for communicating with the service device 200 via the communication network 10. It refers to a terminal having a microprocessor for operating and controlling various programs. That is, the terminal device 100 can perform server-client communication with the service device 200, any terminal can execute a broadcast service, and all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA can be used. It is a broad concept to include.
  • the terminal device 100 is preferably manufactured in the form having a touch screen, but is not necessarily limited thereto.
  • the terminal device 100 may transmit and receive data for a payment service using biometric information by interworking with the service device 200 through the communication network 10, and from the service device 200.
  • the payment application may be provided to execute a payment service.
  • the terminal device 100 pre-sets the biometric information recognition method to be used for the payment service through the registration function of the payment application, and the biometric to the biometric information recognized according to the preset biometric information recognition method.
  • the registration information and the payment information may be registered in the service device, and when the payment request is made, the payment may be requested to the service device 200 by using the biometric information recognized according to the biometric information recognition scheme.
  • the terminal device 100 receives the payment processing result information from the service device 200 when the user authentication and payment processing is completed using the biometric information by the service device 200, and executes the execution screen. Can be output to
  • the service device 200 may transmit and receive data for a payment service using biometric information through interworking with one or more terminal devices 100 through the communication network 10, and provide a payment application to the terminal device 100.
  • the service device 200 receives the biometric registration information and the payment information for the biometric information recognized according to the biometric information recognition method to be used for the payment service in the terminal device 100 and registers it in advance, and pays from the terminal device 100.
  • User authentication may be performed by comparing the biometric information received upon request with previously registered biometric information. If the user authentication is successful, the service device 200 may perform the requested payment process by using the payment information registered and the payment request information received when the payment request is mapped to the biometric information. In this case, the service device 200 may directly perform a payment process without interworking with the payment device 300, or may request a payment process from the payment device 300 when interworking with the payment device 300.
  • the payment device 300 may be a payment server of a service provider for processing actual payment authentication and approval, and the payment requested using the payment request information included in the payment request message received according to the request of the service device 200. Can be processed.
  • the terminal device 100, the service device 200, and the payment device 300 are interlocked through the communication network 10, and the communication network 10 is connected to various wired and wireless communication such as an internet network, an intranet network, a mobile communication network, and a satellite communication network. It refers to a network that can send and receive data via Internet protocol using technology.
  • the communication network 10 is combined with the service apparatus 200 and the payment apparatus 300 to store computing resources such as hardware and software.
  • Such a communication network 10 is not only an open network such as a local area network (LAN), a wide area network (WAN), an open network such as the Internet, but also code division multiple access (CDMA) and wideband code division (WCDMA).
  • GSM Multiple Access
  • GSM Global System for Mobile Communications
  • LTE Long Term Evolution
  • EPC Evolved Packet Core
  • FIG. 2 is a diagram illustrating a configuration of a terminal device in a payment system according to embodiments of the present invention.
  • the terminal device 100 includes a control unit 110, an input unit 120, a communication unit 130, a storage unit 140, an output unit 150, and a biometric unit 160. Can be configured.
  • the controller 110 performs overall control of the terminal device 100, and in particular, controls for payment service using biometric information recognition, and is functionally connected to the communication unit 130, from the service device 200. You can install and run payment application.
  • the controller 110 may include a biometric information recognition module 111 and a payment support module 112.
  • the biometric information recognition module 111 may preset the biometric information recognition method to be used for the payment service through a registration function of the payment application.
  • the biometric information recognition module 111 may set a user's physical characteristics, habits, and the like in a biometric information recognition method.
  • the biometric information recognition module 111 may preset the biometric information recognition method to recognize the user's pulse as the first biometric information and to recognize the user's fingerprint as the second biometric information.
  • the biometric information recognition module 111 may transmit biometric registration information and payment information about the biometric information recognized according to a preset biometric information recognition method to the service device 200 and pre-register it for use in a payment service.
  • the biometric information recognition module 111 may be, for example, somewhat inaccurate, flexible biometric information, or biometric information set by the user.
  • the first biometric registration information which is set to perform user authentication in the terminal device 100, is stored in advance in the storage 140 to be used in a payment service.
  • the biometric information recognition module 111 may set, for example, the second biometric information, which is set by setting biometric information such as a fingerprint, an iris, and a palm related to a user's unique body feature as the second biometric information, to the service device 200. It can be registered in advance to the service device 200 by transmitting to.
  • the second biometric information which is set by setting biometric information such as a fingerprint, an iris, and a palm related to a user's unique body feature as the second biometric information
  • the biometric information recognition module 111 controls to output a guide message for recognizing biometric information according to a preset biometric information recognition method, and outputs the biometric information input according to the guide message. Received from the 160, and transmits the received biometric information to the payment support module 200. For example, the biometric information recognition module 111 receives the first biometric information and the second biometric information recognized according to the biometric information recognition scheme preset in the biometric recognition unit 160, and receives the received first biometric information and the first biometric information.
  • the service device 200 may perform payment processing when both the first biometric information and the second biometric information match the registered information.
  • the biometric information recognition module 111 controls to output the guide message for recognizing the first biometric information through the output unit 150 and, according to the guidance, the biometric recognition unit 160. Recognizing the first biometric information according to the physical characteristics or habits of the user input to the may transmit the recognized first biometric information to the payment support module 112.
  • the biometric information recognition module 111 outputs a guide message for guiding the recognition of the second biometric information through the output unit 150.
  • the second biometric information input to the biometric recognition unit 160 may be recognized according to a guide for recognizing the second biometric information, and the recognized second biometric information may be transmitted to the payment support module 112.
  • the payment support module 112 executes a payment application and receives a payment request from the user, the payment support module 112 receives the biometric information transmitted from the biometric information recognition module 111 and the payment request information generated according to the user payment request (for example, product information).
  • Payment information including purchase information, user information, identification information for payment request, additional payment authentication information, etc.
  • the payment support module 112 may transmit authentication information combining the first biometric information and the second biometric information as biometric information when a payment request is made.
  • the payment support module 112 performs a first user authentication by comparing the transmitted first biometric information with previously stored first biometric information, and if the authentication succeeds, the payment support module 112 determines whether the authentication succeeds. 111, the second biometric information recognized according to the authentication success may be included in the payment request message and transmitted to the service device 200.
  • the payment support module 112 receives the payment processing result information from the service device 200 and outputs the result through the output unit 150. Can be controlled.
  • the input unit 120 may generate a user input signal corresponding to a user's request or information according to a user's operation, and may be implemented as various input means that are currently commercialized or may be commercialized in the future. For example, a keyboard and a mouse In addition to a general input device such as a joystick, a touch screen, a touch pad, and the like, a gesture input means for detecting a user's motion and generating a specific input signal may be included. The input unit 120 may generate an input signal according to input information related to execution of a payment application and a payment service.
  • the communication unit 130 communicates with the service apparatus 200 through the communication network 10 to transmit and receive messages for a payment service.
  • the communication unit 130 may transmit and receive data through various communication methods as well as wired and wireless methods.
  • the communication unit 130 may transmit and receive data using one or more communication methods, and for this purpose, the communication unit 130 may include a plurality of communication modules that transmit and receive data according to different communication methods.
  • the communication unit 130 transmits a registration request message including biometric registration information and payment information for a payment service to the service device 200, and recognizes biometric information (or authentication information) and payment according to a user's payment request.
  • the payment request message including the request information may be transmitted to the service device 200.
  • the communication unit 130 may receive a payment processing result message including payment processing result information from the service device 200.
  • the storage 140 stores information necessary for the operation of the terminal device 100, and in particular, may store information related to a payment application and payment service related information provided from the service device 200.
  • the storage unit 140 may store biometric information (first biometric information and second biometric information) recognized by the biometric recognition unit 160, payment information, payment request information, and payment processing result information.
  • the storage unit 140 may include an optical media such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.
  • the storage 140 stores an application program required for operating a function according to embodiments of the present invention and a screen image to be output on a display unit of the output unit 150.
  • the storage unit 140 may store a key map or a menu map for operating the touch screen when the display unit is configured as the touch screen.
  • the key map and the menu map may be in various forms.
  • the storage unit 140 may store an operating system (OS) for booting the terminal device 100 and operating the above-described components, and an application program for supporting various user functions.
  • OS operating system
  • the output unit 150 is a means for providing the user to recognize the operation result or state of the terminal device 100, and includes, for example, a display unit for visually outputting through a screen, a speaker for outputting an audible sound, and the like. can do.
  • the output unit 150 may display a screen related to a payment service driven by the terminal device 100, that is, an execution screen of a payment application under the control of the controller 110, and the user.
  • the authentication result, payment information, payment processing result information, and the like may be output on the execution screen.
  • the output unit 150 may output a guide message for biometric information recognition under the control of the controller 110.
  • the biometric unit 160 may include one or more sensors for biometrics (vibration sensor, pressure sensor, gyro sensor, odor sensor, acceleration sensor, illuminance sensor, etc.), camera, fingerprint reader (or fingerprint recognition application), iris, voice, It may include a device (or an application, a program) for recognizing a face or the like.
  • the biometric unit 160 recognizes the biometric information input from the user under the control of the controller 110 and transmits the recognized biometric information to the controller 110.
  • the biometric unit 160 recognizes a pulse for a preset time using a vibration sensor or the like as a first biometric information recognition method, and transfers the recognized information as the first biometric information to the controller 110.
  • the fingerprint may be recognized using a fingerprint reader as a second biometric information recognition method, and the recognized fingerprint may be transferred to the controller 110 as the second biometric information.
  • FIG. 3 is a diagram illustrating a configuration of a service device in a payment system according to an embodiment of the present invention.
  • the service device 200 may include a communication unit 210, a service providing unit 220, and a storage unit 230.
  • the communication unit 210 may communicate with the terminal device 100 and the payment device 300 through the communication network 10 to transmit and receive messages for a payment service.
  • the communication unit 210 may transmit and receive messages through various communication methods as well as wired and wireless methods, and may communicate with the mobile terminal device 200 through a mobile communication network in a wireless manner.
  • the communication unit 210 may transmit and receive data using one or more communication methods, and for this purpose, the communication unit 210 may include a plurality of communication modules that transmit and receive data according to different communication methods.
  • the communication unit 210 receives a registration request message including biometric registration information and payment information for a payment service from the terminal device 100, and recognizes biometric information (or authentication information) and payment according to a user's payment request.
  • the payment request message including the request information may be received from the terminal device 200.
  • the communication unit 210 may transmit a program and information related to a payment application to the terminal device 200, and transmit a payment processing result message including payment processing result information.
  • the service provider 220 receives the biometric registration information and the payment information for the biometric information recognized according to the biometric information recognition method to be used for the payment service from the terminal device 100 and registers it in advance, and requests a payment from the terminal device 100.
  • user authentication may be performed.
  • the service provider 220 receives the payment authentication information generated by combining the first biometric information and the second biometric information recognized according to a biometric information recognition scheme set in advance
  • the registered biometric registration information corresponding to the payment authentication information may be read, and the user authentication may be performed by comparing the read registered biometric information with the received payment authentication information.
  • the service provider 220 may be used, for example, for user authentication to authenticate that one of the received biometric information is the user, and the other may be used for an authentication procedure for payment approval.
  • the service provider 220 checks whether the user is using the registered pulse information, and if the user is the user, performs a payment process and upon payment approval.
  • 2 Biometric information fingerprint information
  • the service provider 220 may, for example, perform user authentication once more using the second biometric information (fingerprint information), and transmit the second biometric information (fingerprint information) to the payment device 300. To approve payment.
  • the payment device 300 checks whether the received second biometric information matches the pre-registered information (fingerprint information), and if it matches, notifies the payment authentication success and may process the payment approval.
  • This payment authentication and approval procedure may be directly performed by the service device 200.
  • the service provider 220 recognizes the second recognized biometric according to a preset biometric scheme.
  • the biometric information may be received from the terminal device 100, and the second user authentication may be performed by comparing the received biometric information with previously registered biometric information. If the user authentication is successful, the service provider 220 performs payment processing using previously registered payment information corresponding to the payment request information and the second biometric information.
  • the service provider 220 may perform the requested payment process by using the registered payment information mapped to the biometric information.
  • the service provider 220 checks the registered payment information (for example, card information, real account information, virtual account information, mileage information, etc.), and checks the payment request information to check the amount of the purchased goods and products. Check and pay as much as that amount in the payment information.
  • the service provider 220 may perform payment authentication through payment authentication information such as an OTP, an accredited certificate, and a password, and may confirm clearly that the user is using biometric information, thereby approving payment with the payment device 300. You can also perform direct payment processing and payment authorization without performing the procedure.
  • the service provider 220 may perform a payment process by simply authenticating the user's identity using biometric information without performing a complicated payment authentication procedure.
  • the service provider 220 performs user authentication in the service device 200 and interworks with the payment device 300 for the actual payment approval and payment authentication after payment processing according to the payment request information. 300 can be sent. Accordingly, when the service provider 220 receives the payment processing result information of the payment processing from the payment device 300, the service provider 220 may transmit the received payment processing result information to the terminal device 100.
  • the storage unit 230 stores related information in order to provide a payment service.
  • the storage unit 230 may store pre-registered payment information and biometric registration information, and may store information related to a payment service.
  • the storage unit 230 may include an optical media such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.
  • FIG. 4 is a diagram illustrating a configuration of a payment device in a payment system according to an embodiment of the present invention.
  • the payment device 300 may include a communication unit 310, a payment processing unit 320, and a storage unit 330, and does not directly perform payment processing in the service device 200.
  • payment processing may be performed in cooperation with the service device 200. If the service device 200 performs a substantial payment process, the payment device 300 may simply perform an approval process for the payment.
  • an embodiment of the present invention will be described to perform the payment processing when the payment processing request from the service device 200.
  • the communication unit 310 may communicate with the service apparatus 200 through the communication network 10 to transmit and receive messages for a payment service.
  • the communication unit 310 may transmit and receive a message through various communication methods as well as a wired method and a wireless method, and may communicate with the mobile terminal device 200 through a mobile communication network in a wireless manner.
  • the communication unit 310 may transmit and receive data using one or more communication methods, and for this purpose, the communication unit 310 may include a plurality of communication modules which transmit and receive data according to different communication methods.
  • the communication unit 310 may receive a payment processing request message from the service device 200 and transmit a payment processing result message to the service device 200.
  • the payment processing unit 320 When the payment processing unit 320 receives the payment request message from the service device 200, the payment request information included in the payment request message (payment information registered in the service device 200, user authentication information, user identification information, and terminal device). Register payment information (card information, real account information, virtual account information, mileage information, gift certificate information, etc.) registered in the service device 200 included in the payment request information by checking the payment request information received from the The payment verification is performed in comparison with the payment information, and if the payment verification is successful, payment for the purchased product is approved. Accordingly, the payment processing unit 320 may transmit a payment processing result message including the payment processing result information according to the payment processing to the service device 200.
  • the payment processing unit 320 may transmit a payment processing result message including the payment processing result information according to the payment processing to the service device 200.
  • the storage unit 330 stores related information in order to provide a payment service.
  • the storage unit 330 may store pre-registered payment information and user information, and may store information related to a payment service.
  • the storage unit 330 may include an optical media such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.
  • FIG. 5 is a diagram illustrating a payment method using biometric information recognition in a payment system according to an embodiment of the present invention.
  • the terminal device 100 receives and installs and stores a payment application from the service device 200, and executes the payment application according to a user's request in step 1102.
  • the terminal device 100 presets a biometric information recognition method to be used for the payment service.
  • the terminal device 100 sets the first biometric information recognition scheme to recognize the pulse as the first biometric information, for example, to use one or more biometric information for user authentication and payment authentication for payment.
  • a second biometric information recognition scheme is set to recognize a fingerprint.
  • the terminal device 100 transmits a registration request message to the service device 200 to register information to be used for a payment service.
  • the terminal device 100 recognizes the biometric information by the set biometric information recognition method, and generates a registration request message including payment information including the recognized biometric information and information such as payment means to be used for a payment service.
  • the registration request message may include biometric information and payment information (user identification information, payment means information, etc.).
  • the service device 200 receives the registration request message, registers the biometric information and the payment information included in the received registration request message.
  • the terminal device 100 outputs a biometric information prompt message according to a preset biometric information recognition method in step 1105, and recognizes the preset biometric information. Recognize biometric information according to the method.
  • the terminal device 100 transmits a payment request message including payment request information including the recognized biometric information and information related to the purchased product, to the service device 200.
  • the terminal device 100 when the terminal device 100 is configured to recognize, for example, the first biometric information that is pulse information and the second biometric information that is fingerprint information, the terminal device 100 compares the recognized first biometric information with previously stored first biometric information. If it matches, and if it matches, it is determined that the first user authentication is successful, and the recognized second biometric information may be included in the payment request message and transmitted.
  • the payment authentication information generated by generating payment authentication information combining the first biometric information and the second biometric information may be included in the payment request message and transmitted.
  • the service device 200 reads pre-registered biometric information corresponding to the biometric information included in the payment request message, and compares the read biometric information with the received biometric information to perform user authentication. .
  • the service device 200 checks whether the user authentication succeeds. If the authentication is successful, the service device 200 performs step 1111. If the user authentication fails, the service device 200 transmits an authentication failure message to the terminal device 100 in step 1109. do. Then, in step 1110, the terminal device 100 may output an authentication failure message, recognize the biometric information again, and repeat the process after step 1106. For example, when the service device 200 receives the second biometric information, the second user authentication may be performed by comparing the biometric registration information corresponding to the second biometric information.
  • the service device 200 when receiving the payment authentication information combining the first and second biometric information, the service device 200 reads the registered biometric information corresponding to the first biometric information to perform user authentication, and the second When the payment is approved using the biometric information, payment authentication may be performed.
  • the service device 200 may include the second biometric information in the payment request message transmitted in operation 1111, which will be described later, or include the authentication information according to the payment authentication on the second biometric information.
  • step 1111 if the user authentication is successful, the service device 200 directly performs payment processing using previously registered payment information corresponding to the payment request information and the biometric information, or sends the payment request message to the payment device 300. To send.
  • the payment device 300 when the payment request message is transmitted to the payment device 300, the payment device 300 performs a payment authentication and approval process according to the payment processing request of the service device 200 in step 1112, and the payment processing in step 1113.
  • the payment processing result message including the result information is transmitted to the service device 200.
  • the service device 200 transmits payment processing result information to the terminal device 100 in step 1114. Accordingly, in step 1115, the terminal device 100 outputs the received payment processing result information.
  • the program instructions to be recorded may be those specially designed and constructed for the present invention, or may be known and available to those skilled in computer software.
  • the recording medium may be magnetic media such as hard disks, floppy disks and magnetic tapes, optical disks such as Compact Disk Read Only Memory (CD-ROM), digital video disks (DVD), Magnetic-Optical Media, such as floppy disks, and hardware devices specially configured to store and execute program instructions, such as ROM, random access memory (RAM), flash memory, and the like. do.
  • Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler.
  • Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.
  • a computer program (also known as a program, software, software application, script or code) mounted on an apparatus according to the invention and executing a method according to the invention comprises a compiled or interpreted language or a priori or procedural language. It can be written in any form of programming language, and can be deployed in any form, including stand-alone programs or modules, components, subroutines, or other units suitable for use in a computer environment. Computer programs do not necessarily correspond to files in the file system.
  • a program may be in a single file provided to the requested program, in multiple interactive files (eg, a file that stores one or more modules, subprograms, or parts of code), or part of a file that holds other programs or data. (Eg, one or more scripts stored in a markup language document).
  • the computer program may be deployed to run on a single computer or on multiple computers located at one site or distributed across multiple sites and interconnected by a communication network.
  • the present invention relates to a payment method using biometrics information, an apparatus and a system therefor, which recognizes biometric information to be used for a payment service according to a predetermined biometric information recognition method, and authenticates a user using biometric information recognized at a payment process. And payment can be processed for the purchased product according to the user authentication result, so that the user can be identified more accurately, and the security at the time of payment can be strengthened.
  • the present invention does not need to be issued the existing authentication information for user authentication as the user authentication through the biometric information, it is possible to perform the user authentication simply and accurately without the need to perform a complex authentication procedure, authentication It is effective in preventing information leakage and preventing illegal payment by others.
  • the present invention has industrial applicability because the present invention is not only sufficiently commercially available or commercially viable, but also practically clearly implemented.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé de paiement utilisant la reconnaissance d'informations biométriques, et un dispositif et un système associés. Lorsqu'un terminal dans un système de paiement prédéfinit un système de reconnaissance d'informations biométriques à utiliser pour un service de paiement, enregistre des informations d'enregistrement biométriques et des informations de paiement relativement à des informations biométriques reconnues selon le système de reconnaissance d'informations biométriques prédéfini, reconnaît des informations biométriques selon le système de reconnaissance d'informations biométriques prédéfini pour une demande de paiement, et demande un paiement en utilisant les informations biométriques reconnues, un dispositif de service reçoit, à partir du terminal, et préenregistre les informations d'enregistrement biométriques et les informations de paiement, effectue une authentification d'utilisateur en comparant les informations biométriques reçues à partir du terminal de la demande de paiement aux informations d'enregistrement biométriques préenregistrées, traite le paiement demandé en utilisant les informations de paiement mappées avec les informations biométriques et enregistrées si l'authentification d'utilisateur réussit, et transmet ensuite les informations de résultat de traitement de paiement au terminal, ce qui permet une authentification d'utilisateur plus précise et un renforcement de la sécurité lors du paiement.
PCT/KR2014/012445 2014-04-22 2014-12-17 Procédé de paiement utilisant la reconnaissance d'informations biométriques, et dispositif et système associés Ceased WO2015163558A1 (fr)

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