KR102457348B1 - A vein authentication payment system in offline stores including ancillary facilities - Google Patents

Abstract

The present invention relates to a vein authentication payment system in an offline store including auxiliary facilities, which can prevent the risk of loss of a payment means, comprising: a registration process starting unit for starting a user information registration process; a payment process activation unit for activating a payment process; a payment process inactivation unit for inactivating the activated payment process; and a reactivation confirming unit.

Description

A VEIN AUTHENTICATION PAYMENT SYSTEM IN OFFLINE STORES INCLUDING ANCILLARY FACILITIES at an offline store including ancillary facilities.

The present invention relates to a vein authentication payment system in an offline store including ancillary facilities, and more specifically, to a vein authentication payment system of a user who visits a first store from an electronic device installed in the first store among a plurality of offline stores linked to a fintech platform When receiving payment method information based on the information and the payment method the user has, the user payment information is generated and stored in the secure database and the first intranet database to activate the payment process by the user at the first store, and at the first store When it is confirmed that the user has departed, the activated payment process is deactivated by deleting the user's payment information stored in the first intranet database, and when receiving the user's vein information and payment method information from the electronic device installed in the second store , and a technology of activating a payment process by a user in a second store by storing user payment information in a second intranet database managed by the second store.

Fintech is a compound word of finance and technology, and collectively refers to changes in financial services and industries through the convergence of financial services and information technology (IT). The global fintech market recorded $111.2 billion in 2019, and is a promising industry that is expected to grow to $191.8 billion in 2025 and $325.3 billion in 2030. As the utility of fintech technology increases worldwide, other industries are also actively encouraging the introduction of fintech technology. In particular, the "simple payment" service is one of the fintech technologies that provide convenience to users, and is highly preferred by users due to its high convenience.

Accordingly, other industries are also developing various technologies using "simple payment" technology.

As an example, Korean Patent No. 10-1616266 (electronic payment system and method using finger vein recognition) discloses a technology for making payment by authenticating a payment method for credit card substitution using finger vein recognition.

However, in the above-mentioned prior art, only the technology of recognizing the user's finger veins and starting the payment when the recognized finger veins and the finger vein information stored in the database match are disclosed, and a plurality of offline connected to the fintech platform is disclosed. When receiving payment method information based on the user's vein information and the user's own payment method from the electronic device installed in the first store of the store, the user payment information is generated and stored in the security database and the first intranet database. store to activate the payment process by the user in the first store, and when it is confirmed that the user leaves the first store, delete the user's payment information stored in the first intranet database to deactivate the activated payment process, 2 When receiving the user's vein information and payment method information from the electronic device installed in the store, the user's payment information is stored in the second intranet database managed by the second store to activate the payment process by the user in the second store. is not disclosed, the need for a technology to solve this is emerging.

Accordingly, the present invention provides the vein information and the user of the user who visited the first store from the electronic device installed in the first store among a plurality of offline stores linked to the fintech platform through the vein authentication payment system in an offline store including ancillary facilities. Upon receiving payment method information based on the payment method owned by In the case of confirmation, the user's user payment information stored in the first intranet database is deleted to inactivate the activated payment process, and when receiving the user's vein information and payment method information from the electronic device installed in the second store, the second The purpose of this is to provide users with a convenient payment service with high convenience based on a store or region by activating the payment process by the user in the second store by storing user payment information in the second intranet database managed by the store.

In the vein authentication payment system in an offline store including an auxiliary facility implemented in a computing device including one or more processors and one or more memories for storing instructions executable by the processor according to an embodiment of the present invention, Fintech When receiving, from an electronic device installed in a first store among a plurality of offline stores linked to the platform, vein information based on a vein pattern of a user who has visited the first store and payment method information based on a payment method owned by the user, user information a registration process initiator for starting the registration process; When the user information registration process starts, a security database that matches the vein information with the received payment method information to generate user payment information for the user, and manages the generated user payment information in the fintech platform; a payment process activation unit for activating a payment process by a user in the first store by storing it in a first intranet database managed by the first store; When it is confirmed that the user leaves the first store while the payment based on the activated payment process has been completed at least once by the user as the function of the payment process activation unit is completed, the first store a payment process deactivator for inactivating the activated payment process by requesting a user to delete user payment information stored in the first intranet database; and when the user's vein information and payment method information are received from an electronic device installed in a second store among the plurality of offline stores in a state in which the function of the payment process deactivation unit is completed, a second intranet managed by the second store and a reactivation confirmation unit that stores the user payment information in a database and requests the payment process activation unit to activate the payment process by the user in the second store.

When receiving the user's vein information and the payment method information from the electronic device installed in the first store, the registration process start unit is configured to additionally sense the vein of a companion accompanying the user through a vein recognition sensor of the electronic device. Additional sensing request unit to request; and when the vein information of the companion is received as the vein of the companion is sensed by the additional sensing requesting unit, an adult authentication interface is output through the display of the electronic device, thereby requesting to complete the adult authentication process for the companion It is preferable to include; an adult authentication process unit.

The payment process activation unit, when the user information registration process is started, matches the user's vein information with the user's payment method information, and, when vein information of a companion exists, converts vein information of a companion to the payment method information a user payment information generation unit for generating the user payment information by matching with ; and when the function of the user payment information generating unit is completed, the generated user payment information is stored in the first store category of the security database and provided to the first store and stored in the first intranet database. It is possible to include; an authentication activation unit that allows the user to download an application that can control some functions of the vein authentication payment system in an offline store including the auxiliary facility, so that the user completes user authentication through the application; .

The payment process activation unit, when it is confirmed that the adult authentication process for the accompanying person has not proceeded due to the performance of the function of the adult authentication processing unit in a state in which the user payment information is generated by the user payment information generating unit, the a minor identification unit that identifies the accompanying person as a minor; When the function of the minor identification unit is completed, the auxiliary facility identification unit for identifying at least one of the auxiliary facilities that the minor cannot use and the items that the minor cannot purchase among the auxiliary facilities included in the first store; And when the function of the auxiliary facility identification unit is completed, the minor uses the auxiliary facilities unavailable to the minor through the vein information of the minor, and the minor cannot use the facilities that the minor cannot purchase It is possible to further include; a use blocking setting unit that sets the blockage of the payment process for the use and the items that the minor cannot purchase.

The payment process activation unit may further include a payment control unit, wherein the payment control unit is configured to, when vein information of at least one of a user and an accompanying person is received from the electronic device in a state in which the payment process is activated, the received vein a pattern comparison unit that compares whether the first pattern based on the information is the same as the second pattern based on the vein information stored in the first intranet database and the security database; and when it is confirmed that the first pattern is the same as the second pattern due to the performance of the function of the pattern comparator, in the ancillary facilities included in the first store and in the ancillary facilities using payment method information to which the vein information is matched It is possible to include; a payment completion unit that completes the payment for the product to be sold.

The payment process deactivation unit, when receiving an input for leaving the user from the first store through the application while the function of the payment process activation unit is performed, checks whether the user payment information is maintained through the application a message transmission unit for transmitting a message for; and when receiving an input from the user indicating that user payment information based on the message is not maintained through the application in a state in which the function of the message transmitting unit has been performed, the user's user payment information stored in the first intranet database is deleted It is possible to include; and a deletion deactivation unit for inactivating the activated payment process.

The reactivation confirmation unit may include, when receiving user's vein information from an electronic device installed in a second store among the plurality of offline stores in a state in which the function of the payment process deactivation unit is completed, the user payment information stored in the security database a user payment information storage request unit requesting to provide and store a second intranet database managed by the second store; and when the user authentication is completed through the application while the user payment information is stored in the second intranet database, the payment process activation unit causes the user to use the auxiliary facilities included in the second store. It is possible to include; a reactivation permission unit that requests to activate the payment process by the user in the store.

The application allows the user to change the payment method information, manage companions, set the payment limit of the payment method corresponding to the payment method information, and request a remote registration request function for other offline stores linked to the fintech platform. It is possible to include

The present inventor's vein authentication payment system in an offline store including an auxiliary facility activates the payment process for a user in each of a plurality of offline stores linked with a fintech platform, and visits a specific offline store (eg, a resort, large shopping mall). A simple payment service can be provided to users.

In addition, the user can prevent the risk of loss of the payment method by enabling payment through vein authentication when purchasing a product at a specific offline store or using ancillary facilities without bringing a separate payment method.

1 is a block diagram of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.
2 is a block diagram illustrating the start of a registration process of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.
3 is a block diagram of a payment process activation unit of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.
4 is a block diagram of a payment control unit of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.
5 is a block diagram of a payment process deactivation unit of the vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.
6 is a block diagram of a reactivation confirmation unit of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.
7 is a diagram for explaining an example of an internal configuration of a computing device according to an embodiment of the present invention.

Hereinafter, various embodiments and/or aspects are disclosed with reference to the drawings. In the following description, for purposes of explanation, numerous specific details are set forth to provide a thorough understanding of one or more aspects. However, it will also be recognized by one of ordinary skill in the art that such aspect(s) may be practiced without these specific details. The following description and accompanying drawings set forth in detail certain illustrative aspects of one or more aspects. These aspects are illustrative, however, and some of the various methods in principles of various aspects may be employed, and the descriptions set forth are intended to include all such aspects and their equivalents.

As used herein, “embodiment”, “example”, “aspect”, “exemplary”, etc. may not be construed as an advantage or advantage in any aspect or design described above over other aspects or designs. .

Also, the terms "comprises" and/or "comprising" mean that the feature and/or element is present, but excludes the presence or addition of one or more other features, elements and/or groups thereof. should be understood as not

Also, terms including an ordinal number such as 1st, 2nd, etc. may be used to describe various components, but the components are not limited by the terms. The above terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, a second component may also be referred to as a first component. and/or includes a combination of a plurality of related listed items or any of a plurality of related listed items.

In addition, in the embodiments of the present invention, unless otherwise defined, all terms used herein, including technical or scientific terms, are those commonly understood by those of ordinary skill in the art to which the present invention belongs. have the same meaning. Terms such as those defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in an embodiment of the present invention, an ideal or excessively formal meaning is not interpreted as

1 is a block diagram of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.

Referring to FIG. 1 , the vein authentication payment system 100 (hereinafter referred to as the vein authentication payment system) in an offline store including the ancillary facility includes a registration process start unit 101, a payment process activation unit 103, It may include a payment process deactivation unit 105 and a reactivation confirmation unit 107 .

According to an embodiment, the registration process start unit 101 provides vein information ( When the payment method information 101b based on 101a) and the payment method owned by the user is received, the user information registration process may be started.

According to an embodiment, the electronic device is a configuration installed in the first store and includes a display (or touch screen), a vein recognition sensor, and a voice output unit, and is configured for each auxiliary facility included in the first store. It can be an installed configuration.

In relation to the above, when the vein recognition sensor emits near-infrared rays to the user's body part (eg, the palm), reduced hemoglobin in the veins located in the subcutaneous tissue of the user's palm absorbs the near-infrared rays and the shape of the vein ( Example: pattern of veins). At this time, since the pattern of the veins is completely different for each user and has more veins than other body parts, it can be used as an authentication means such as a fingerprint.

According to an embodiment, in a state in which the electronic device generates the vein information 101a based on the pattern of the user's vein through the vein recognition sensor, the electronic device provides the user through the touch screen as a payment means based on the payment means owned by the user. You may be asked to enter information 101b. Accordingly, the electronic device may generate the payment method information 101b based on a user input received through the touch screen. In this case, the payment method information 101b may include a user's name, a card number of a payment method, a CVC code, an expiration date, etc., and further includes an ID and password based on a simple payment application installed in the user's electronic device. may include

According to an embodiment, the registration process start unit 101 may start the user information registration process upon receiving the vein information 101a and the payment method information 101b. The user information registration process includes a security database 103a managed by the fintech platform and an intranet managed by the store visited by the user so as to perform simple payment only at the store visited by the user among a plurality of offline stores linked to the fintech platform. It may be a process for storing and registering the vein information and payment method information in the database 103b.

According to an embodiment, when the user information registration process starts, the payment process activation unit 103 matches the vein information 101a with the received payment method information 101b to provide user payment information for the user. and store the generated user payment information in the security database 103a managed by the fintech platform and the first intranet database 103b, which is a closed communication network managed by the first store, in the first store. It is possible to activate the payment process by the user.

According to an embodiment, the user payment information is information generated by matching the user's vein information 101a with the user's payment method information 101b, and based on the activated payment process, the user's payment method is used It may be security information required to do so.

According to one embodiment, the payment process is a process activated when user payment information of a user is stored in the security database 103a and the first intranet database 103b. It may be a process that allows it to be used in . That is, the payment process is a process for the user to perform simple payment through vein information in each of a plurality of offline stores linked to the fintech platform, and a user who visits one of the plurality of offline stores can conveniently use the vein information It may be a process activated to perform payment.

According to an embodiment, in the payment process deactivation unit 105, as the function of the payment process activation unit 103 is completed, the payment based on the payment process activated by the user is completed at least once. , when it is confirmed that the user leaves the first store, the activated payment process may be inactivated by requesting the first store to delete the user's payment information stored in the first intranet database.

According to an embodiment, the payment process deactivation unit 105 may confirm that the user leaves the first store while the payment process is activated. However, if the payment process deactivation unit 105 confirms that the user leaves the first store even if the payment based on the activated payment process is not completed at least once in the first store, the activated payment process is activated. can be deactivated.

For example, the payment process deactivation unit 105 confirms that the user has left the first store through location information obtained in real time from the user's electronic device or receives an exit input received from the user's electronic device , it may be confirmed that the user will leave the first store. In addition, the payment process deactivation unit 105 scans the user code input to the application installed in the user's electronic device through the sensor installed in the exit door installed in the first store, to confirm that the user has left the first store can

According to an embodiment, when it is confirmed that the user leaves the first store, the payment process deactivation unit 105 causes the system of the first store (or the manager of the first store) to store the information stored in the first intranet database. You can request that the user's user payment information be deleted. Accordingly, since the user payment information is stored only in the security database 103a, the payment process activated by the payment process activation unit 103 may be deactivated. When the payment process is deactivated, the user cannot perform payment using a payment method in the first store.

According to another embodiment, the payment process deactivation unit 105 may check the activation time set by the user for the user payment information. The activation time may be a time allowed for the user to perform payment through a payment method in the first store. Accordingly, when the activation time set by the user has elapsed, the payment process deactivation unit 105 may request the first store to delete user payment information stored in the first intranet database.

According to an embodiment, the reactivation confirmation unit 107 receives the user's vein information and When payment method information is received, the user payment information is stored in a second intranet database managed by the second store, so that the payment process activation unit 103 activates the payment process by the user in the second store. you can ask to do it.

According to an embodiment, when the reactivation confirmation unit 107 receives the user's vein information from the electronic device installed in the second store, the pattern of the received vein information and the user stored in the security database 103a It can be checked whether the pattern of vein information based on payment information matches.

In relation to the above, when the pattern matches, the reactivation confirmation unit 107 provides the user payment information stored in the security database 103a to the second store, and manages the second store in the second store. You can request that it be stored in an intranet database. Accordingly, as the user payment information is stored in the security database 103a and the second intranet database, a payment process for the user in the second store may be activated.

According to one embodiment, the vein authentication payment system has disclosed that the payment process for the user is activated in each of the plurality of offline stores linked to the fintech platform, but the payment process for the user is not only provided in the offline store but also in a specific area (eg, tourist district). You can activate and deactivate the payment process for In this case, the fintech platform may be in a state of being linked with a public institution that manages the specific area.

2 is a block diagram illustrating the start of a registration process of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.

Referring to FIG. 2 , a vein authentication payment system in an offline store including the ancillary facility (eg, a vein authentication payment system 100 in an offline store including the ancillary facility of FIG. 1 ) (hereinafter, a vein authentication payment system) ) may include a registration process start unit 200 (eg, the registration process start unit 101 of FIG. 1 ).

According to an embodiment, the registration process start unit 200 includes vein information based on a vein pattern of a user who has visited the first store from an electronic device installed in a first store among a plurality of offline stores linked to the fintech platform, and When payment method information based on the payment method owned by the user is received, the user information registration process may be started.

According to an embodiment, the registration process start unit 200 is a detailed configuration for performing the above-described function, and may include an additional sensing request unit 201 and an adult authentication progress unit 203 .

According to an embodiment, when the additional sensing request unit 201 receives the user's vein information and payment method information from the electronic device installed in the first store, the user through the vein recognition sensor 201b of the electronic device. You can request to additionally sense the veins of your companion.

According to an embodiment, the additional sensing requesting unit 201 outputs a message requesting to additionally sense the vein of a person accompanying the user through the touch screen of the electronic device, thereby causing the electronic device to recognize the vein. By scanning the body part 201a of the companion through the sensor 201b, when vein information (eg, vein information of a companion) is generated based on a vein pattern corresponding to the scanned body part, the generated Vein information may be received from the electronic device.

According to an embodiment, the adult authentication processing unit 203 senses a vein corresponding to a body part of the accompanying person by the additional sensing requesting unit 201. When the reception of the vein information of the accompanying person is completed, the electronic An adult authentication interface may be output through the display (or touch screen) of the device to complete the adult authentication process for the companion.

In relation to the above, in the first store, there may be ancillary facilities (eg, casinos) that are not available to minors or items (eg, alcohol, cigarettes) that are not available to minors, etc. The adult authentication process can be performed using the name, resident registration number, and mobile phone number of the companion entered through the adult authentication interface. The adult authentication process may be a process for confirming whether the accompanying person is a minor.

In addition, the adult authentication processing unit 203 may request not only the accompanying person but also the user to perform adult authentication. At this time, the adult authentication processing unit performs an adult authentication process using the user's name, resident registration number, and mobile phone number in the user's name, but a separate payment method for confirming whether the payment method corresponding to the payment method information is the user's own payment method of the authentication process can be performed. In this case, the adult authentication processing unit 203 may provide the user's name, resident registration number, and mobile phone number in the user's name to the financial institution that issued the payment method to confirm whether the payment method is a payment method in the user's name.

According to another embodiment, when the adult authentication processing unit 203 inputs a mobile phone number in the name of the accompanying person, a temporary location tracking code is given to the electronic device carried by the accompanying person so that the user can use the application to be described later. location can be checked in real time.

3 is a block diagram of a payment process activation unit of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.

Referring to FIG. 3 , a vein authentication payment system in an offline store including the ancillary facility (eg, a vein authentication payment system 100 in an offline store including the ancillary facility of FIG. 1 ) (hereinafter, a vein authentication payment system) ) may include a payment process activation unit 300 (eg, the payment process activation unit 103 of FIG. 1 ).

According to one embodiment, when the user information registration process starts, the payment process activation unit 300 generates user payment information for the user by matching the vein information 301b with the received payment method information 301a, The generated user payment information is stored in the security database 303a managed by the fintech platform and the first intranet database 303b managed by the first store to activate the payment process by the user in the first store. can

According to an embodiment, the payment process activation unit 300 is a detailed configuration for performing the above-described function, and may include a user payment information generation unit 301 and an authentication activation unit 303 .

According to one embodiment, when the user information registration process is started, the user payment information generating unit 301 matches the user's vein information 301b with the user's payment method information 301a, If the vein information exists, the user's payment information may be generated by matching the vein information of the accompanying person with the payment method information 301a.

In more detail, the user payment information generating unit 301 matches the user's vein information 301b with the user's payment method information 301a, but an additional sensing request unit (eg, the additional sensing request unit 201 in FIG. 2 ) ), the vein information of the companion is additionally matched to the payment method information 301a, and each vein of the user and the accompanying person is matched based on the payment method information 301a. The information may create grouped user payment information.

According to an embodiment, when the function of the user payment information generating unit 301 is completed, the authentication activation unit 303 stores the generated user payment information in the first store category of the security database 303a and at the same time In the state that it is provided to the first store and stored in the first intranet database 303b, the user downloads the application 303c that can control some functions of the vein authentication payment system, so that the user can use the application 303c User authentication can be completed.

According to an embodiment, the authentication activation unit 303 may store the user payment information in the first store category of the security database 303a and the first intranet database 303b. At this time, the authentication activation unit 303 outputs a QR code set to download the application 303c through the electronic device installed in the first store, and allows the user to use the user's electronic device (eg, smart phone). The application 303c can be downloaded by scanning the QR code.

However, in a state in which the user payment information is stored in the first store category of the security database 303a and the first intranet database 303b, the payment process for the user in the first store may be activated. .

According to an embodiment, when the user completes the user authentication through the application 303c, the authentication activation unit 303 enables the user based on a payment process activated in the first store through the application 303c. You can adjust the limit of payment methods used for payment.

According to an embodiment, the application 303c provides a function for the user to change the payment method information to payment method information based on another payment method, and a companion management function (eg, for payment amount used by a companion in the first store). It may be an application including an upper limit setting function and a companion location tracking function), a payment limit setting function of a payment method corresponding to the payment method information 301a, and a remote registration request function for other offline stores linked to the fintech platform. .

According to an embodiment, the payment process activation unit 300 may further include a minor identification unit (not shown), an auxiliary facility identification unit (not shown), and a use blocking setting unit (not shown).

According to an embodiment, the minor identification unit is a function of the adult authentication processing unit (eg, the adult authentication processing unit 203 in FIG. 2 ) in a state in which the user payment information is generated by the user payment information generating unit 301 ). If it is determined that the adult verification process for the accompanying person has not been performed due to the conduct, the accompanying person may be identified as a minor.

Accordingly, the minor identification unit may match the type information for identifying that the accompanying person is a minor with the vein information of the companion matched with the payment method information 301a. The type information may be information proving that the accompanying person is a minor.

According to an embodiment, when the function of the minor identification unit is completed, the auxiliary facility identification unit can identify at least one of auxiliary facilities that are unavailable to minors among auxiliary facilities included in the first store and items that minors cannot purchase. have.

At this time, the auxiliary facility identification unit identifies whether minors are unavailable by checking whether the facilities and industries are unavailable to minors based on the plurality of auxiliary facility information stored in the auxiliary facility categories stored in the first intranet database. And, based on the information on the plurality of auxiliary facilities, it is possible to identify items that cannot be sold to minors by checking whether the products handled by the auxiliary facilities are included in the designated category of prohibited items for minors.

Accordingly, it will be natural for the plurality of auxiliary facility information to include industry type information, facility information, and handling product information of auxiliary facilities operating in the first store.

According to one embodiment, when the function of the auxiliary facility identification unit is completed, the use blocking setting unit makes it impossible for the minor to use the unavailable auxiliary facility through the minor's vein information and to make it impossible to purchase items that cannot be purchased. may set a blockage of the payment process for items that cannot be purchased by the minor and the use of ancillary facilities that are not available.

In relation to the above, the use blocking setting unit may block the payment process for the minor when at least one of the auxiliary facilities that the minor cannot use and the items that the minor cannot purchase are identified by the auxiliary facility identification unit.

In more detail, the use blocking setting unit, when a payment through the vein information of a minor is detected at an auxiliary facility unavailable to the minor, notifies and uses the unusable auxiliary facility to prevent the minor from using the unavailable auxiliary facility You can block payment from being made at an impossible facility.

According to another embodiment, the use blocking setting unit registers the payment method information that matches the vein information of the minor when a signal to make a payment through the vein information is detected more than a first specified number of times in ancillary facilities that are unavailable to minors. Users may be notified of this (e.g., the location of ancillary facilities unavailable to minors, types of facilities unavailable to minors, fines for violations of laws and regulations that minors intend to violate), and through vein information at facilities unavailable to minors When a signal to make a payment is detected more than the second specified number of times, the payment process for the user as well as the minor in the first store may be deactivated.

According to one embodiment, the use blocking setting unit, when payment through the vein information of a minor is detected in order for the minor to purchase the unpurchasable item, the unavailable unpurchasable item to prevent the minor from purchasing the unpurchasable item You can block the payment for items that cannot be purchased and notified to the manager of ancillary facilities handled.

According to another embodiment, the use blocking setting unit is a payment in which the vein information of the minor is matched when a signal to make a payment through the vein information of the minor is detected more than a third specified number of times to purchase the item that the minor cannot purchase The user who has registered the means information may be notified of this (e.g., the types of items that minors cannot purchase, the location of ancillary facilities that sell items that minors cannot purchase, fines for violations of laws and regulations that minors are trying to violate), and minors cannot purchase When a signal to make a payment through the vein information of a minor to purchase an item is detected more than a fourth specified number of times, the first store may deactivate the payment process for the user as well as the minor.

4 is a block diagram of a payment control unit of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.

Referring to FIG. 4 , a vein authentication payment system in an offline store including the ancillary facility (eg, a vein authentication payment system 100 in an offline store including the ancillary facility of FIG. 1 ) (hereinafter, a vein authentication payment system) ) may include a payment process activating unit (eg, the payment process activating unit 103 of FIG. 1 ).

According to an embodiment, the payment process activation unit may further include a payment control unit 400 .

In relation to the above, the payment control unit 400 may include a pattern comparison unit 401 and a payment completion unit 403 .

According to an embodiment, when the pattern comparison unit 401 receives vein information 401a of at least one of a user and an accompanying person from the electronic device in a state in which the payment process is activated, the pattern comparison unit 401 is configured to It may be compared whether the first pattern is the same as the second pattern based on the vein information 401b stored in the first intranet database and the security database. The pattern comparison unit 401 is configured to allow at least one of a user and an accompanying person from an electronic device to use ancillary facilities included in the first store and purchase products sold in the first store from the electronic device while the payment process is activated. At least one vein information 401a among companions may be received.

In relation to the above, when the at least one vein information 401a among the user and the companion is received, the pattern comparison unit 401 receives the vein pattern of the user and the companion based on the received vein information 401a (eg: first pattern) can be identified. Accordingly, the pattern comparison unit 401 may compare whether the first pattern matches a second pattern that is a vein pattern based on the vein 401b stored in the first intranet database and the security database.

That is, the pattern comparator 401 compares the first pattern with at least one of a second pattern based on the vein 401b stored in the first intranet database and a second pattern based on the vein 401b stored in the security database. If it is confirmed that they do not match, the function of the payment completion unit 403 may not be performed.

According to an embodiment, when it is confirmed that the first pattern is the same as the second pattern due to the performance of the function of the pattern comparison unit 401, the payment completion unit 403 matches the vein information 401b. The payment method information in the store may be used to complete payment for ancillary facilities included in the first store and products sold at the ancillary facilities.

In relation to the above, when it is confirmed that the first pattern matches the second pattern due to the function performance of the pattern comparison unit 401, the payment completion unit 403 determines that based on the payment method information, The payment method 403a (eg, credit card) corresponding to the payment method information may be used to complete the use of ancillary facilities included in the first store and payment for products sold at the ancillary facilities.

5 is a block diagram of a payment process deactivation unit of the vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.

Referring to FIG. 5 , a vein authentication payment system in an offline store including the ancillary facility (eg, a vein authentication payment system 100 in an offline store including the ancillary facility of FIG. 1 ) (hereinafter, a vein authentication payment system) ) may include a payment process deactivation unit 500 (eg, the payment process deactivation unit 105 of FIG. 1 ).

According to an embodiment, the payment process deactivation unit 500 performs a payment based on the payment process activated by the user as the function of the payment process activation unit (eg, the payment process activation unit 103 of FIG. 1 ) is completed. When it is confirmed that the user leaves the first store while the completion has been performed at least once, the first store is requested to delete the user's payment information stored in the first intranet database to deactivate the activated payment process can do it

According to an embodiment, the payment process deactivation unit 500 may include a message transmission unit 501 and a deletion deactivation unit 503 as a detailed configuration for performing the above-described function.

According to an embodiment, when receiving an input of the user leaving the first store through the application 501a while the function of the payment process activation unit is being performed, the message transmitting unit 501 receives an input for leaving the user through the application. A message 501b for confirming whether payment information is maintained may be transmitted.

According to an embodiment, the application 501a is a component installed in the user's electronic device, and may be an application configured to use some functions of the vein authentication system.

According to an embodiment, when receiving an input that the user will leave the first store through the application 501a, the message transmitter 501 transmits user payment information through the application 501a for a preset period. During the period, a message 501b requesting whether or not to be stored in the first intranet database may be transmitted.

According to another embodiment, when receiving an input that the companion will leave the first store through the application 501a, the message transmission unit 501 sends a message through the application 501a based on user payment information. A message 501b requesting whether to store the vein information in the first intranet database 503a for a preset period may be transmitted.

According to an embodiment, the deletion deactivation unit 503 does not maintain user payment information based on a message 501b from the user through the application 501a in a state where the function of the message transmission unit 501 is completed. If an input is received, the user's payment information stored in the first intranet database database 503a may be deleted, and the activated payment process may be inactivated.

According to an embodiment, the deletion deactivation unit 503 responds to a message provided to the user through the application 501a, when receiving an input from the user indicating that user payment information is not maintained, the first intranet database database By deleting the user's payment information stored in 503a , an activated payment process for the user in the first store may be inactivated.

According to another embodiment, in response to a message provided to the user through the application 501a, the deletion deactivation unit 503 receives an input from the user indicating that user payment information of a companion is not maintained, the first intranet By deleting the vein information of the companion included in the user's user payment information stored in the database database 503a, the activated payment process for the companion in the first store may be inactivated. That is, in the user payment information, only the user's vein information is matched with the payment method information, and the vein information of the accompanying person may be deleted.

6 is a block diagram of a reactivation confirmation unit of a vein authentication payment system in an offline store including ancillary facilities according to an embodiment of the present invention.

Referring to FIG. 6 , a vein authentication payment system in an offline store including the ancillary facility (eg, a vein authentication payment system 100 in an offline store including the ancillary facility of FIG. 1 ) (hereinafter, a vein authentication payment system) ) may include a reactivation confirmation unit 600 (eg, the reactivation confirmation unit 107 of FIG. 1 ).

According to an embodiment, the reactivation confirmation unit 600 performs the function of the payment process deactivation unit (eg, the payment process deactivation unit 105 of FIG. 1 ) in the second store among the plurality of offline stores in a state where the function is completed. When receiving the user's vein information and payment method information from the installed electronic device, the payment process activation unit 603a (eg, the payment process of FIG. 1 ) stores the user payment information in the second intranet database managed by the second store. The activation unit 103) may request to activate the payment process by the user in the second store.

According to an embodiment, the reactivation confirmation unit 600 is a detailed configuration for performing the above-described function, and may include a user payment information storage request unit 601 and a reactivation permit unit 603 .

According to an embodiment, the user payment information storage request unit 601 receives the user's vein information from an electronic device installed in a second store among the plurality of offline stores while the function of the payment process deactivation unit is completed. In this case, the user payment information stored in the security database 601a may be requested to be provided and stored to the second intranet database 601b managed by the second store.

According to an embodiment, when user authentication is completed through an application while user payment information is stored in the second intranet database 601b, the reactivation permitting unit 603 causes the payment process activation unit to cause the user to A request may be made to activate a payment process by the user in the second store so that ancillary facilities included in the second store may be used.

According to another embodiment, the user payment information storage request unit 601 may receive an input requesting that the user remotely register for a third store among the plurality of offline stores through the application. In this case, the received input may be an input for activating a payment process for an acquaintance of the user, not the user. At this time, the user payment information storage request unit 601 requests to input the name, date of birth, and phone number of the acquaintance through the application and at the same time input payment method information corresponding to the payment method the user has. you can request

Accordingly, the user payment information storage request unit 601, when the acquaintance visits the third store and registers vein information, based on the acquaintance's name, date of birth and phone number input through the application, You can make it possible to perform self-authentication. At this time, when the acquaintance succeeds in self-authentication, the acquaintance acquires vein information based on the vein pattern corresponding to the body part of the acquaintance through the electronic device installed in the third store, and adds the acquaintance's information to the payment method information input by the user. A user payment information generation unit (eg, the user payment information generation unit 301 of FIG. 3 ) may be requested to generate user payment information by matching the vein information.

When the generation of the user payment information is completed, the user payment information storage request unit 601 temporarily stores the generated user payment information in the security database 601a and a third intranet database managed by the third store. may be requested to be stored temporarily.

That is, when a user activates a payment process for an acquaintance in a third store through an application without directly visiting the third store, the user's payment information is temporarily stored in the security database 601a and the third intranet database for a payment process can be temporarily activated. In this case, the temporarily activated payment process may be deleted after being maintained for a certain period of time according to the rules of the fintech platform.

According to an embodiment, the reactivation permitting unit 603 causes the payment process activation unit 603a to cause the user may request to activate a payment process by the user in the second store to use the auxiliary facilities included in the second store.

That is, when user payment information is stored in the security database 601a and the second intranet database 601b, the reactivation permitting unit 603 executes the application to activate the payment process for the user in the second store. By allowing the user to perform user authentication through the user interface, when the user authentication is successful, the payment process activation unit 603a may be requested to activate the payment process for the user in the second store.

According to another embodiment, the reactivation permitting unit 603 includes the user payment information matched with the vein information of an acquaintance for the third store by the user payment information storage request unit 601 to the security database 601a. and temporarily stored in the third intranet database, the payment process activation unit 603a may be requested to temporarily activate the payment process for the acquaintance in the third store.

7 is a diagram for explaining an example of an internal configuration of a computing device according to an embodiment of the present invention.

7 illustrates an example of an internal configuration of a computing device according to an embodiment of the present invention, and in the following description, descriptions of unnecessary embodiments that overlap with those of FIGS. 1 to 6 will be omitted. do it with

7, the computing device 10000 includes at least one processor 11100, a memory 11200, a peripheral interface 11300, an input/output subsystem ( It may include at least an I/O subsystem) 11400 , a power circuit 11500 , and a communication circuit 11600 . In this case, the computing device 10000 may correspond to a user terminal connected to the tactile interface device (A) or the aforementioned computing device (B).

The memory 11200 may include, for example, a high-speed random access memory, a magnetic disk, an SRAM, a DRAM, a ROM, a flash memory, or a non-volatile memory. have. The memory 11200 may include a software module, an instruction set, or other various data required for the operation of the computing device 10000 .

In this case, access to the memory 11200 from other components such as the processor 11100 or the peripheral device interface 11300 may be controlled by the processor 11100 .

Peripheral interface 11300 may couple input and/or output peripherals of computing device 10000 to processor 11100 and memory 11200 . The processor 11100 may execute a software module or an instruction set stored in the memory 11200 to perform various functions for the computing device 10000 and process data.

The input/output subsystem 11400 may couple various input/output peripherals to the peripheral interface 11300 . For example, the input/output subsystem 11400 may include a controller for coupling peripheral devices such as a monitor, keyboard, mouse, printer, or a touch screen or sensor as needed to the peripheral interface 11300 . According to another aspect, input/output peripherals may be coupled to peripheral interface 11300 without going through input/output subsystem 11400 .

The power circuit 11500 may supply power to all or some of the components of the terminal. For example, the power circuit 11500 may include a power management system, one or more power sources such as batteries or alternating current (AC), a charging system, a power failure detection circuit, a power converter or inverter, a power status indicator, or a power source. It may include any other components for creation, management, and distribution.

The communication circuit 11600 may enable communication with another computing device using at least one external port.

Alternatively, as described above, if necessary, the communication circuit 11600 may include an RF circuit to transmit and receive an RF signal, also known as an electromagnetic signal, to enable communication with other computing devices.

This embodiment of FIG. 7 is only an example of the computing device 10000, and the computing device 11000 may omit some components shown in FIG. 7 or further include additional components not shown in FIG. 7, or 2 It may have a configuration or arrangement that combines two or more components. For example, a computing device for a communication terminal in a mobile environment may further include a touch screen or a sensor in addition to the components shown in FIG. 7 , and may include various communication methods (WiFi, 3G, LTE) in the communication circuit 1160 . , Bluetooth, NFC, Zigbee, etc.) may include a circuit for RF communication. Components that may be included in the computing device 10000 may be implemented in hardware, software, or a combination of both hardware and software including an integrated circuit specialized for one or more signal processing or applications.

Methods according to an embodiment of the present invention may be implemented in the form of program instructions that can be executed through various computing devices and recorded in a computer-readable medium. In particular, the program according to the present embodiment may be configured as a PC-based program or an application dedicated to a mobile terminal. The application to which the present invention is applied may be installed in the user terminal through a file provided by the file distribution system. For example, the file distribution system may include a file transmission unit (not shown) that transmits the file according to a request of the user terminal.

The device described above may be implemented as a hardware component, a software component, and/or a combination of the hardware component and the software component. For example, the devices and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate array (FPGA), It may be implemented using one or more general purpose or special purpose computers, such as a programmable logic unit (PLU), microprocessor, or any other device capable of executing and responding to instructions. The processing device may execute an operating system (OS) and one or more software applications running on the operating system. The processing device may also access, store, manipulate, process, and generate data in response to execution of the software. For convenience of understanding, although one processing device is sometimes described as being used, one of ordinary skill in the art will recognize that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that may include For example, the processing device may include a plurality of processors or one processor and one controller. Other processing configurations are also possible, such as parallel processors.

Software may comprise a computer program, code, instructions, or a combination of one or more thereof, which configures a processing device to operate as desired or is independently or collectively processed You can command the device. The software and/or data may be any kind of machine, component, physical device, virtual equipment, computer storage medium or device, to be interpreted by or to provide instructions or data to the processing device. may be permanently or temporarily embody in The software may be distributed over networked computing devices, and stored or executed in a distributed manner. Software and data may be stored in one or more computer-readable recording media.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded in a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc. alone or in combination. The program instructions recorded on the medium may be specially designed and configured for the embodiment, or may be known and available to those skilled in the art of computer software. Examples of the computer-readable recording medium include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic such as floppy disks. - includes magneto-optical media, and hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions include not only machine language codes such as those generated by a compiler, but also high-level language codes that can be executed by a computer using an interpreter or the like. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

As described above, although the embodiments have been described with reference to the limited embodiments and drawings, various modifications and variations are possible by those skilled in the art from the above description. For example, the described techniques are performed in a different order than the described method, and/or the described components of the system, structure, apparatus, circuit, etc. are combined or combined in a different form than the described method, or other components Or substituted or substituted by equivalents may achieve an appropriate result. Therefore, other implementations, other embodiments, and equivalents to the claims are also within the scope of the following claims.

Claims (8)

In the vein authentication payment system in an offline store including one or more processors and ancillary facilities implemented in a computing device including one or more memories for storing instructions executable by the processor,
When receiving vein information based on a vein pattern of a user who has visited the first store from an electronic device installed in a first store among a plurality of offline stores linked to a fintech platform and payment method information based on a payment method owned by the user, a registration process start unit for starting a user information registration process;
When the user information registration process starts, a security database that matches the vein information with the received payment method information to generate user payment information for the user, and manages the generated user payment information in the fintech platform; a payment process activation unit for activating a payment process by a user in the first store by storing it in a first intranet database managed by the first store;
When it is confirmed that the user leaves the first store while the payment based on the activated payment process has been completed at least once by the user as the function of the payment process activation unit is completed, the first store a payment process deactivator for inactivating the activated payment process by requesting a user to delete user payment information stored in the first intranet database; and
When the user's vein information and payment method information are received from an electronic device installed in a second store among the plurality of offline stores in a state where the function of the payment process deactivation unit is completed, the second intranet database managed by the second store a reactivation confirmation unit that stores the user payment information in the store and requests the payment process activation unit to activate the payment process by the user in the second store;
The registration process start part,
When receiving the user's vein information and the payment method information from the electronic device installed in the first store, an additional sensing request unit that requests to additionally sense the vein of a person accompanying the user through a vein recognition sensor of the electronic device ; and
When the vein information of the companion is received as the vein of the companion is sensed by the additional sensing requesting unit, an adult authentication interface is output through the display of the electronic device to request to complete the adult authentication process for the companion Including; adult authentication process unit;
The payment process activation unit,
When the user information registration process is started, in a state in which the user's vein information is matched with the user's payment method information, if vein information of a companion exists, the vein information of the companion is matched with the payment method information to make the user payment a user payment information generation unit for generating information; and
When the function of the user payment information generating unit is completed, the generated user payment information is stored in the first store category of the security database and provided to the first store and stored in the first intranet database. An authentication activation unit that allows the user to complete user authentication through the application by downloading an application that can control some functions of the vein authentication payment system in an offline store including the auxiliary facility; A vein authentication payment system in offline stores including ancillary facilities.
delete delete According to claim 1,
The payment process activation unit,
In a state in which the user payment information is generated by the user payment information generating unit, when it is confirmed that the adult authentication process for the accompanying person has not been performed due to the performance of the function of the adult verification processing unit, identifying the accompanying person as a minor Minor Identification Unit;
When the function of the minor identification unit is completed, the auxiliary facility identification unit for identifying at least one of the auxiliary facilities that the minor cannot use and the items that the minor cannot purchase among the auxiliary facilities included in the first store; and
When the function of the auxiliary facility identification unit is completed, the minor uses the facilities unavailable to the minor through the vein information of the minor and uses the facilities unavailable to the minor so that the minor cannot purchase items that cannot be purchased. and a use blocking setting unit that blocks the payment process for items that the minor cannot purchase.
According to claim 1,
The payment process activation unit,
Payment control unit; further comprising,
The payment control unit,
When vein information of at least one of a user and an accompanying person is received from the electronic device while the payment process is activated, a first pattern based on the received vein information is stored in the first intranet database and the security database. a pattern comparison unit that compares whether the second pattern is identical to the information-based second pattern; and
When it is confirmed that the first pattern is identical to the second pattern due to the performance of the function of the pattern comparator, the payment method information to which the vein information is matched is used to sell at the auxiliary facility included in the first store and the auxiliary facility A vein authentication payment system in an offline store including an auxiliary facility, characterized in that it includes; a payment completion unit that completes payment for the product.
6. The method of claim 5,
The payment process deactivation unit,
When the user receives an input to leave the first store through the application while the function of the payment process activation unit is being performed, a message for transmitting a message for confirming whether to maintain the user payment information through the application transmission unit; and
To delete the user's payment information stored in the first intranet database when receiving an input from the user through the application indicating that the user payment information based on the message is not maintained in the state in which the function of the message transmitting unit has been performed and a deletion deactivation unit for inactivating the activated payment process; vein authentication payment system in an offline store including an auxiliary facility, characterized in that it comprises a.
7. The method of claim 6,
The reactivation confirmation unit,
When the user's vein information is received from an electronic device installed in a second store among the plurality of offline stores in a state in which the function of the payment process deactivation unit is completed, user payment information stored in the security database is managed in the second store a user payment information storage request unit requesting to provide and store the second intranet database; and
When the user authentication is completed through the application while the user payment information is stored in the second intranet database, the payment process activation unit causes the user to use the auxiliary facilities included in the second store. A vein authentication payment system in an offline store including an auxiliary facility, comprising a; a reactivation permission unit that requests to activate the payment process by the user.
8. The method of claim 7,
The application is
a function for the user to change the payment method information, a function to manage companions, a function to set a payment limit of a payment method corresponding to the payment method information, and a function to request remote registration for other offline stores linked to the fintech platform A vein authentication payment system in offline stores that includes ancillary facilities.

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