JP2021015458A

JP2021015458A - Face-to-face electronic payment security method

Info

Publication number: JP2021015458A
Application number: JP2019129837A
Authority: JP
Inventors: 藤井治彦; Haruhiko Fujii
Original assignee: Individual
Current assignee: Individual
Priority date: 2019-07-12
Filing date: 2019-07-12
Publication date: 2021-02-12

Abstract

To provide a face-to-face electronic payment security method by displaying a preregistered photograph of a face in a payment terminal.SOLUTION: In the face-to-face electronic payment security method, a user registers a photograph of his or her face in a server or other devices at the time of initial registration. When making a payment, a store terminal displays the registered photograph. In the event of fraudulent use, a store clerk can determine that the face is different from the user's, thus preventing fraudulent use. Further, if a fraudulent user registers his or her own face, fraudulent use is possible, but since a criminal's face is on the server, the police can investigate based on this photograph, which can psychologically deter the criminal. In addition, when making a QR payment, the user's photograph should be displayed on a user's smartphone, not on the store terminal, so that the clerk can see it. Alternatively, the face photograph can be displayed on the QR code(R).SELECTED DRAWING: None

Description

従来、対面でのクレジットカードやQR決済は、サイバー攻撃などの脆弱性があった。 In the past, face-to-face credit cards and QR payments were vulnerable to cyber attacks.

本方法では、利用者は初期登録時、スマートフォンなどから顔写真をサーバなどに登録する。決済時、店舗端末に登録された顔写真を表示する。不正利用時、店員は利用者の顔と異なることが判定できるので、不正利用を防止できる。また犯人が自分の顔で登録した場合、不正利用は可能だが、犯人の顔写真はサーバにあるので、これを元に警察が捜査可能であり、心理的に犯行を抑止できる。また、バリエーションとして、クレジットカードの読み取りを、店舗のスマートフォンのカメラでカードを写し、OCRでカード番号を読み取り、利用者にCVCコードを店員のスマホに手入力させることにより、EC決済として、装置構成の簡素化を図っても良い。またQR決済時、店舗端末ではなく、利用者のスマホに利用者の顔写真を表示し、これを店員にみせるようにしてもよい。またQRコード上に顔写真を表示させるようにしてもよい。 In this method, the user registers the face photo on the server or the like from the smartphone or the like at the time of initial registration. At the time of payment, the face photo registered in the store terminal is displayed. At the time of unauthorized use, the clerk can determine that the face is different from the user's face, so that unauthorized use can be prevented. Also, if the criminal registers with his own face, unauthorized use is possible, but since the criminal's face photo is on the server, the police can investigate based on this, and the crime can be psychologically deterred. In addition, as a variation, by copying the credit card with the camera of the smartphone of the store, reading the card number with OCR, and having the user manually enter the CVC code into the smartphone of the clerk, the device configuration as EC payment. You may try to simplify. Also, at the time of QR payment, the user's face photo may be displayed on the user's smartphone instead of the store terminal so that the store clerk can see it. You may also display a face photo on the QR code.

Claims

Face-to-face electronic payment security method by displaying a pre-registered face photo on a payment terminal