JPH1196363A - Account settling method based on fingerprinter certification - Google Patents
Account settling method based on fingerprinter certificationInfo
- Publication number
- JPH1196363A JPH1196363A JP25211297A JP25211297A JPH1196363A JP H1196363 A JPH1196363 A JP H1196363A JP 25211297 A JP25211297 A JP 25211297A JP 25211297 A JP25211297 A JP 25211297A JP H1196363 A JPH1196363 A JP H1196363A
- Authority
- JP
- Japan
- Prior art keywords
- fingerprint
- user
- consumer
- card
- payment
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims description 43
- 238000010586 diagram Methods 0.000 description 5
- 125000002066 L-histidyl group Chemical group [H]N1C([H])=NC(C([H])([H])[C@](C(=O)[*])([H])N([H])[H])=C1[H] 0.000 description 3
- 230000009193 crawling Effects 0.000 description 2
- 238000007796 conventional method Methods 0.000 description 1
Landscapes
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Collating Specific Patterns (AREA)
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】本発明は、デパート、コンビ
ニエンスストアー等でのショッピング、或は各種施設の
サービスを利用する際に、安全な決済と正確な個人認証
を行うため、指紋による本人確認を行い、これにより一
切の決済を終了するようにした指紋認証による決済方法
に関する。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a personal identification system using a fingerprint for secure payment and accurate personal authentication when shopping at a department store or a convenience store, or using services of various facilities. The present invention relates to a payment method using fingerprint authentication in which all payments are completed.
【０００２】[0002]
【従来の技術】今日においては、デパート、コンビニエ
ンスストアー等でのショッピングにおいて、ＩＣカード
や磁気カード等のプラスチックカード（以下、「カー
ド」と称する）を用いたキャッシュレスによる決済方法
が一般化されている。2. Description of the Related Art At present, cashless settlement methods using plastic cards such as IC cards and magnetic cards (hereinafter referred to as "cards") have been popularized in shopping at department stores, convenience stores and the like. I have.
【０００３】このような従来のカードによる決済方法に
ついて説明すると、図３に示すように、カード決済の利
用者（以下、「カード利用者」と称する）は、予め、ク
レジット会社との契約によりカードを入手しており、ま
たこのクレジット会社と契約した金融機関に口座を有す
るものである。[0003] A description will be given of such a conventional card payment method. As shown in FIG. 3, a card payment user (hereinafter referred to as a "card user") is provided with a credit card in advance by a contract with a credit company. And have an account with a financial institution that has contracted with this credit company.
【０００４】そして、カード利用者が商品を購入する際
には、加盟ショッピングサイトの決済カウンターにてカ
ードを提出すると、カードに記録されたデータがクレジ
ット会社と金融機関に転送されることによりカードの有
効性等の確認が行なわれ、そのカードに問題がない場
合、カード利用者に氏名をサインさせることにより本人
確認を行ったうえで、カード利用者に支払い控えを発行
して決済を完了するようにしている。[0004] When a card user purchases a product, he submits the card at a payment counter of a member shopping site, and the data recorded on the card is transferred to a credit company and a financial institution, so that the card can be purchased. If there is no problem with the card after the validity is confirmed, the card user will be asked to sign his / her name, confirm the identity, issue a payment copy to the card user, and complete the payment. I have to.
【０００５】さらに、加盟ショッピングサイトは、クレ
ジット会社または金融機関から決済代行を得、クレジッ
ト会社が決済代行を行った場合には、金融機関から代行
分の返済を受ける一方、金融機関は、カード利用者の口
座から引き落としを行うことにより代行した金額を得
る。[0005] Further, the affiliated shopping site obtains a payment agent from a credit company or a financial institution, and when the credit company performs the payment agent, receives repayment of the agent from the financial institution, while the financial institution uses a card. Get the money transferred by debiting the account of the person.
【０００６】ところが、このようなカード決済方法にお
いて、カード利用者は、上記のように氏名をサインする
だけで本人の認証を行うものであるため、カードが他人
の手に入った場合、不正使用され易いという大きなリス
クを有するうえ、このカードに記録されているデータ内
容は、ＩＤ番号、口座番号、氏名、生年月日、カードの
有効期限程度であるため、他人に知られる可能性が高
く、悪用を防ぐこと自体が困難である。However, in such a card settlement method, since the card user authenticates the user only by signing his / her name as described above, if the card is obtained by another person, the card is illegally used. In addition to the great risk that the data is recorded on this card, the ID, account number, name, date of birth, expiration date of the card, etc. It is difficult to prevent abuse itself.
【０００７】また、カードという決済の媒体が携帯可能
であるため、紛失等により他人の手に入り易く、しかも
偽造や複製を防止するのが困難であるという性質を有し
ていることから、悪用の対象となり易いほか、決済時に
カードを提出してサインを行うなどの手間を要し、支払
いカウンターでの煩わしさ、それに伴う混雑は避けがた
い状況となっている。[0007] Further, since the settlement medium called a card is portable, it is easy to obtain by others due to loss or the like, and it is difficult to prevent forgery or duplication. In addition to the fact that it is easy to become a target, it requires time and effort such as submitting a card at the time of settlement and signing up, and it is unavoidable that the trouble at the payment counter and the congestion associated with it.
【０００８】[0008]
【発明が解決しようとする課題】本発明は、上記の問題
点を解消するために成されたもので、ショッピング時に
指紋を読み取らせるだけで、指紋データを金融機関等に
記録された本人の個人データに変換する等により、一切
の決済を完了する指紋認証による決済方法を提供するこ
とを目的とする。SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and it is only necessary to read a fingerprint at the time of shopping to obtain a personal data of a person whose fingerprint data is recorded in a financial institution or the like. It is an object of the present invention to provide a payment method using fingerprint authentication that completes all payments by converting the data into data.
【０００９】[0009]
【課題を解決するための手段】上記の目的を達成するた
めに、本発明の指紋認証による決済方法は、消費者が商
品を購入したりサービスを受ける場合、それに要する決
済を所定の機関が代行するようにした決済方法または後
払いを可能とする決済方法において、決済時に指紋読取
機に読み取らせた消費者本人の指紋と、予め登録した指
紋データとを照合することにより、前記消費者本人の認
証を行うようにする。In order to achieve the above object, a payment method using fingerprint authentication according to the present invention is provided. When a consumer purchases a product or receives a service, a predetermined institution performs the payment required for the purchase. In a payment method configured to perform payment or a post-payment method, the authentication of the consumer is performed by comparing the fingerprint of the consumer himself / herself read by a fingerprint reader at the time of payment with fingerprint data registered in advance. To do.
【００１０】また、前記指紋による消費者本人の認証方
法と、カードに記録した消費者個人の所定のデータによ
って消費者本人の認証を行うカード決済方法とを併用す
るようにしてもよい。[0010] The method of authenticating the consumer himself / herself using the fingerprint and the card payment method of authenticating the consumer himself / herself based on predetermined data of the consumer recorded on the card may be used together.
【００１１】さらに、本発明の指紋認証による決済方法
は、消費者個人の所定のデータを記録したカードに該消
費者個人の指紋データを記録しておき、決済時に、消費
者本人から読み取った指紋と前記カードに記録された指
紋データとを照合することにより前記消費者本人の認証
を行うようにする。Further, in the settlement method using fingerprint authentication according to the present invention, the fingerprint data of the consumer is recorded on a card on which predetermined data of the consumer is recorded, and the fingerprint read from the consumer at the time of settlement is provided. And the fingerprint data recorded on the card is collated to authenticate the consumer.
【００１２】[0012]
【発明の実施の形態】以下、本発明の実施例について図
面を参照しながら説明する。Embodiments of the present invention will be described below with reference to the drawings.
【００１３】図１は本発明の指紋による本人認証を利用
したカードレス決済方法の概念図である。図２は本発明
の決済方法と従来の決済方法を併用した概念図である。FIG. 1 is a conceptual diagram of a cardless payment method using personal identification by a fingerprint according to the present invention. FIG. 2 is a conceptual diagram in which the settlement method of the present invention and a conventional settlement method are used together.
【００１４】図１において、本実施例のカードレス決済
方法の利用者は、デパート等のショッピングサイトに加
盟する際、利用会員として、該利用者が口座を有する金
融機関のＩＤ番号、口座番号、氏名、生年月日、有効期
限、その他の個人情報と共に、利用者個人の指紋データ
を、加盟ショッピングサイトに設置された指紋データベ
ースに登録しておく。In FIG. 1, when a user of the cardless payment method of the present embodiment joins a shopping site such as a department store, as a user, the ID number and account number of a financial institution in which the user has an account, The user's personal fingerprint data, along with the name, date of birth, expiration date, and other personal information, are registered in a fingerprint database installed on the affiliated shopping site.
【００１５】そして、その利用者が、商品を購入する際
には、加盟ショッピングサイトの決済カウンターに設置
した指紋読取機に、利用者本人の指紋を読み取らせる。
この読み取られた指紋が、予め登録してあるショッピン
グサイトの指紋データベース中の利用者本人の指紋デー
タと一致すれば、利用者の個人認証が終了し、支払い明
細書が渡される。[0015] Then, when the user purchases a product, the fingerprint reader installed at the settlement counter of the affiliated shopping site reads the fingerprint of the user himself.
If the read fingerprint matches the fingerprint data of the user himself / herself in the fingerprint database of the shopping site registered in advance, the personal authentication of the user is completed and the payment statement is passed.
【００１６】従って、本発明の決済方法を利用する者
は、加盟ショッピングサイトの決済カウンターにて、本
人の指紋を読み取らせるだけで一切の手続きを終了す
る。[0016] Therefore, a user using the settlement method of the present invention completes all procedures simply by reading his / her fingerprint at the settlement counter of the affiliated shopping site.
【００１７】一方、指紋データベースでは、利用者の指
紋データが、金融機関に予め記録されている利用者のＩ
Ｄ番号、口座番号、氏名、生年月日、有効期限等の個人
情報に変換され、当該金融機関に転送され、この金融機
関が利用者の決済代行を行うこととなる。On the other hand, in the fingerprint database, the fingerprint data of the user is stored in the financial institution in advance.
The information is converted into personal information such as a D number, an account number, a name, a date of birth, an expiration date, and the like, and is transferred to the financial institution.
【００１８】その後、金融機関は、決済代行を行った金
額を、利用者の口座から引き落として、決済代行分の金
額を得る。[0018] Thereafter, the financial institution debits the amount of the settlement agent from the user's account to obtain the amount of the settlement agent.
【００１９】なお、図１において、点線で囲った部分は
従来と同様の方法であり、この部分において、本発明の
決済方法は、従来のカード決済方法と併用可能である。In FIG. 1, the part surrounded by a dotted line is the same as the conventional method, and in this part, the settlement method of the present invention can be used together with the conventional card settlement method.
【００２０】その実施例を図２により説明すると、図３
で説明したカード決済方法のシステムに、図１で説明し
たカードレス決済方法を、図中の追加クロードシステム
として追加し、この追加クロードシステムを追加インタ
ーフェースにより回線網を介してデータ転送すると共
に、図３のクレジット会社へのデータ転送をこの回線網
を介して転送するようにしたものである。The embodiment will be described with reference to FIG.
The cardless payment method described in FIG. 1 is added to the system of the card payment method described in FIG. 1 as an additional crawling system in the figure, and the additional crawling system is used to transfer data via a network by an additional interface. Data transfer to the credit company No. 3 is performed via this line network.
【００２１】本発明において、指紋データベース機能
は、指紋の特徴データのみをキーとして、従来のカード
に記録されているようなデータを自動的に検索するた
め、金融機関側のシステムには一切の変更を必要としな
い。In the present invention, the fingerprint database function automatically searches for data recorded on a conventional card using only fingerprint characteristic data as a key. Do not need.
【００２２】なお、本発明の指紋認証による決済方法
は、上記のデパート等のショッピングのみならず、遊園
地やスポーツジム等での施設利用、あるいは引越業者等
のサービスを利用する際の決済にも同様に適用すること
が可能である。The settlement method using fingerprint authentication according to the present invention is applicable not only to shopping at the above-mentioned department stores and the like, but also to settlement at the time of using facilities at amusement parks and sports gyms or using services of moving companies and the like. The same can be applied.
【００２３】また、上記の説明においては、消費者が商
品を購入したりサービスを受ける場合、それに要する決
済を所定の機関が代行するようにした決済方法について
説明してあるが、他に、後払いを可能とする決済方法に
ついても同様に適用することが可能である。Further, in the above description, when a consumer purchases a product or receives a service, the payment method required for a predetermined institution to perform the payment is described. The same can be applied to a settlement method that enables the following.
【００２４】この場合、図１及び図２において、加盟シ
ョッピングサイトに登録された利用者個人の指紋データ
またはその他のデータによる本人認証のみが必要で、金
融機関による決済代行と口座引き落としは行われず、所
定期間内に消費者本人が加盟ショッピングサイトに対し
て後払いすることにより決済が完了する。In this case, in FIG. 1 and FIG. 2, only the personal authentication based on the fingerprint data or other data of the user registered in the affiliated shopping site is necessary, and the settlement agency and the account debit by the financial institution are not performed. Payment is completed when the consumer pays in advance for the affiliated shopping site within a predetermined period.
【００２５】さらに、本発明においては、カードに消費
者個人の指紋データを含む所定のデータ（口座を有する
金融機関のＩＤ番号、口座番号、氏名、生年月日、有効
期限、その他の個人情報）を記録しておき、決済時にこ
のカードを提出した上で、読み取らせた消費者本人の指
紋と提出したカードに記録された指紋データとを照合す
ることにより、そのカードが本人所有のカードであるこ
とを認証して、所定の手続き行うようにすることも可能
である。Further, in the present invention, predetermined data including the fingerprint data of the individual consumer on the card (ID number, account number, name, date of birth, expiration date, and other personal information of the financial institution having the account) Is recorded, and the card is submitted at the time of payment, and then the fingerprint of the read consumer is compared with the fingerprint data recorded on the submitted card, so that the card is a card owned by the principal. It is also possible to authenticate the fact and perform a predetermined procedure.
【００２６】[0026]
【発明の効果】以上説明したように、本発明の指紋認証
による決済方法によれば、デパート等でのショッピング
や、各種施設のサービス等を利用する際、設置された指
紋読取機に利用者本人の指紋を読み取らせるだけで、そ
の指紋データが金融機関等に記録された本人のＩＤ番
号、口座番号などの個人データに変換されることによ
り、一切の決済を完了することができる。As described above, according to the payment method using fingerprint authentication of the present invention, when shopping at a department store or using services of various facilities, etc., the user himself / herself is installed in the installed fingerprint reader. By simply reading the fingerprint of the user, the fingerprint data is converted into personal data such as the ID number and account number of the person recorded in a financial institution or the like, so that all settlement can be completed.
【００２７】従って、本発明の指紋認証による決済方法
によれば、従来のカード決済方法が有する、本人確認手
段の不完全性に伴う不正使用や危険性、あるいはカード
の携行、決済時の煩わしさ等の問題を解消することが可
能となる。Therefore, according to the payment method using fingerprint authentication of the present invention, there is a risk of improper use or danger due to the imperfectness of the personal identification means, which is a problem of the conventional card payment method, or the inconvenience of carrying the card and making the payment. And the like can be solved.
【００２８】また、本発明の指紋認証による決済方法
は、従来のカード決済の方法と併用することができ、こ
の場合、利用者はいずれの方法を使用するか選択して決
済を行うことが可能である。Further, the payment method using fingerprint authentication of the present invention can be used together with a conventional card payment method, and in this case, the user can select which method is to be used for payment. It is.
【００２９】さらに、本発明は、カードに消費者個人の
指紋データを含む所定のデータを記録し、決済時に読み
取らせた消費者本人の指紋とカードに記録された指紋デ
ータとを照合することにより、消費者本人の認証を、よ
り確実に行うことが可能となる。Furthermore, the present invention records predetermined data including a consumer's personal fingerprint data on a card, and compares the consumer's fingerprint read at the time of payment with the fingerprint data recorded on the card. Thus, the authentication of the consumer can be performed more reliably.
【図１】本発明の指紋による本人認証を利用したカード
レス決済方法の概念図である。FIG. 1 is a conceptual diagram of a cardless payment method using personal identification by a fingerprint according to the present invention.
【図２】本発明の決済方法と従来の決済方法を併用した
概念図である。FIG. 2 is a conceptual diagram in which a settlement method of the present invention and a conventional settlement method are used together.
【図３】従来のカード決済方法の概念図である。FIG. 3 is a conceptual diagram of a conventional card payment method.
Claims (3)
る場合、それに要する決済を所定の機関が代行するよう
にした決済方法または後払いを可能とする決済方法にお
いて、決済時に指紋読取機に読み取らせた消費者本人の
指紋と、予め登録した指紋データとを照合することによ
り、前記消費者本人の認証を行うことを特徴とする指紋
認証による決済方法。When a consumer purchases a product or receives a service, in a payment method in which a predetermined institution performs the payment required for the payment or a payment method in which postpayment is possible, the fingerprint reader is read at the time of payment. A payment method based on fingerprint authentication, wherein the user is authenticated by comparing the fingerprint of the consumer himself / herself with fingerprint data registered in advance.
ードに記録した消費者個人の所定のデータによって消費
者本人の認証を行うカード決済方法とを併用することを
特徴とする請求項１記載の指紋認証による決済方法。2. The method according to claim 1, wherein the method of authenticating the consumer using the fingerprint and the card payment method of authenticating the consumer using predetermined data of the consumer recorded on the card are used together. Payment method using fingerprint authentication.
ドに該消費者個人の指紋データを記録しておき、決済時
に、消費者本人から読み取った指紋と前記カードに記録
された指紋データとを照合することにより前記消費者本
人の認証を行うことを特徴とする指紋認証による決済方
法。3. A consumer's fingerprint data is recorded on a card on which predetermined data of the consumer is recorded, and a fingerprint read from the consumer and a fingerprint data recorded on the card are recorded at the time of settlement. And performing the authentication of the consumer by collating the user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP25211297A JPH1196363A (en) | 1997-09-17 | 1997-09-17 | Account settling method based on fingerprinter certification |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP25211297A JPH1196363A (en) | 1997-09-17 | 1997-09-17 | Account settling method based on fingerprinter certification |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JPH1196363A true JPH1196363A (en) | 1999-04-09 |
Family
ID=17232654
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP25211297A Pending JPH1196363A (en) | 1997-09-17 | 1997-09-17 | Account settling method based on fingerprinter certification |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPH1196363A (en) |
Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2001338134A (en) * | 2000-05-29 | 2001-12-07 | Katsuhiko Okada | Person identification company |
| WO2001095185A1 (en) * | 2000-06-05 | 2001-12-13 | Wincess Yugen Kaisha | Information processing system and terminal device for wide-area network, and user identification information encrypting and decrypting methods |
| KR20020008517A (en) * | 2000-07-20 | 2002-01-31 | 구자홍 | Method for paying for the price in internet |
| KR100332497B1 (en) * | 2000-03-06 | 2002-04-15 | 구홍식 | A card approval method for overall financial information using a fingerprinter information |
| JP2002251584A (en) * | 2001-02-21 | 2002-09-06 | Nec Fielding Ltd | Cashless trade system based on fingerprint authentication and program for it |
| KR20020076362A (en) * | 2001-03-28 | 2002-10-11 | (주)영남미디어시스템 | The method and system for calculation of a charge using fingerprint of customer |
| KR20030006464A (en) * | 2001-07-13 | 2003-01-23 | 한국정보통신주식회사 | A settlement system and method using terminal having fingerprint recognizing function |
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| US7191238B2 (en) | 2000-04-27 | 2007-03-13 | Nec Corporation | Method and system for authenticating content distribution and content reproduction requests based on biometric features |
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| KR20020076362A (en) * | 2001-03-28 | 2002-10-11 | (주)영남미디어시스템 | The method and system for calculation of a charge using fingerprint of customer |
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