KR102485212B1 - Offline traffic charge payment method using user device and biometric data - Google Patents

Abstract

Broadcasting, by a terminal, biometric characteristic information extracted from biometric information provided from a user through short-range communication; receiving, by the terminal, a degree of similarity with respect to the biometric characteristic information from a set of user terminals; and , selecting a user terminal that has returned the highest similarity among the set of similarities received from the set of user terminals, and performing a predetermined mutual process with the selected user terminal, wherein the returned similarity is the An offline fee payment method using biometric information, which is a degree of similarity between the broadcast biometric characteristic information and the biometric characteristic information stored in each user terminal, is disclosed.

Description

Offline traffic charge payment method using user device and biometric data}

The present invention relates to transportation fare payment performed offline without using an online connected server and financial payment in other industrial fields, and to a technology for performing payment using a payment terminal, user's biometric information, and communication technology. it's about

In authentication using existing biometric information, etc., transmission and reception with a server connected online is required to connect information transmitted from a biometric device with a user. In order to apply this method to the transportation payment service, the service can be practically provided only when the payment time required from the start to the end of the payment is extremely short. However, the technology according to the conventional method requires a separate network and requires additional time according to online transmission and reception of information. Therefore, when the conventional technology is applied to the transportation payment service, it is practically impossible to provide the transportation payment service.

In transportation payment service, payment time is an important factor in determining service quality. For example, the movement speed of passengers waiting for fare settlement at a subway boarding and disembarking gate is determined by the payment time. In this way, since the payment time is directly related to the convenience of the payment service experienced by the user, offline payment methods are used to secure fast payment time, and online services are limitedly used.

On the other hand, various methods for improving user convenience are being tried in the field of transportation payment service, and a payment method using biometric information is also proposed as one of the convenient payment methods. However, the conventional authentication method using biometric information requires a separate remote server connected online to check whether the user's biometric information entered through the recognition device is a correct user. These online services require a network connection, resulting in network costs and additional processing time for online transmission and reception. This additional processing time can be a limitation in areas such as transportation payment services that require fast payment time.

In the conventional transportation payment method, an offline payment service is applied to provide fast payment service. During commuting time when many people come and go, it is necessary to minimize the time for payment to minimize inconvenience to each user. Payment services that require an online connection, such as QR and HCE, are being used, but in order to shorten the payment time, efforts are needed to minimize the payment time by pre/post processing of key information.

Meanwhile, in various payment services, various methods are being tried to continuously provide quality services to users. Among them, efforts are underway to introduce a payment service using biometric information that users basically possess. Authentication based on biometric information searches for an accurate user by comparing biometric information presented by the user with pre-registered information. At this time, in order to search user information from a large amount of pre-registered information, it is generally necessary to connect to a separate device online, and depending on the amount of registered information, a high-performance device is required and processing time increases. .

In order to apply the authentication method based on the biometric information based on the conventional method to the transportation payment service, a network for online connection is required. In addition, since users to use the transportation payment service can be regarded as all citizens, the population for biometric information matching is quite large. Therefore, a high-performance device and a long processing time are required. In such a configuration, network time and processing time increase, resulting in restrictions for providing a transportation payment service that requires a relatively fast processing time.

In the present invention, the term offline payment means that payment is completed only by a short-distance interaction between a user terminal and the payment terminal, in a state where the payment terminal is not connected to a server located at a distance through a network, or when the payment terminal It may mean that payment is completed only by a predetermined interaction with the user. In contrast, the term online payment may mean that a remote server participates in a payment process through network communication to complete a payment.

The present invention is to provide a convenient user service in a transportation payment service that requires a fast processing time by configuring a biometric information authentication service capable of offline processing without the help of a separate server.

An object of the present invention is to provide a convenient and fast transportation payment service by constructing a method for applying a payment method using user's biometric information, which has been attempted in various fields, to a transportation environment.

An object of the present invention is to maximize the convenience of transportation payment service by providing a biometric information authentication method that can be processed in an offline manner in a transportation payment service environment that requires fast payment processing time.

According to one aspect of the present invention, a method for performing offline payment using user's biometric information in a public transportation service may be provided.

An offline transportation payment method using biometric information includes a user terminal for registering and storing user's biometric information; a traffic payment terminal for processing traffic payment fees; and a biometric information recognition device for processing the user's biometric information in the transportation payment terminal. The user terminal is a handheld device and may be referred to as a user mobile device.

The user terminal may include a biometric information storage device.

The biometric information recognition device may be attached to the transportation payment terminal.

In this case, the user's biometric information may be at least one of a fingerprint, face, iris, palmprint, hand shape, and vein.

In this case, the traffic payment terminal for processing the traffic payment fee may be provided for a means of transportation providing public transportation services such as buses and subways.

In the payment method according to the present invention, in order to use the service, the user needs to register the biometric information in the user terminal possessed by the user in order to use the biometric information for the payment service. Service registration uses the user's user terminal, and any one of the user's biometric information can be used. The biometric information of the registered user is safely stored in the biometric information storage device in the user terminal and is not exposed to the outside.

The user terminal acquires the user's biometric information using the user terminal, stores the biometric information in the biometric information storage device of the user terminal, and uses the stored biometric information as the user's biometric characteristic information for use as the user's ID. can be extracted.

At this time, in order to use the transportation service, the user must present biometric information to the transportation payment terminal. For example, when a user's face is provided close to a biometric information recognizing device such as an iris recognition device or a face recognition device provided with the transportation payment terminal, the biometric information recognizing device detects the user's biometric information such as an iris image or a facial image of the user. information can be obtained. Biometric characteristic information to be used as the user's ID may be extracted from the user's biometric information input through the biometric information recognizing device.

The first biological characteristic information extracted from the presented first biological information is extracted by a complicated calculation, and the value of the extracted first biological characteristic information may not always be the same each time the first biological information is presented. However, biometric feature information values extracted from the same user at different times have a very high degree of similarity.

Now, an example of a behavioral scenario of a first user who wants to pay a bill will be described in detail.

Both the first biological characteristic information registered and stored in the first user terminal of the first user and the first biological characteristic information presented to the transportation payment terminal may be information generated by the first biological information of the first user. .

The first biological feature information extracted from the first user by the traffic payment terminal is broadcast within a certain distance by a short-range communication method provided by the traffic payment terminal. The short-distance communication method used in the transportation payment terminal may be one of Bluetooth, UWB, and WiFi, or another communication method, and the payment method according to the present invention does not specify a communication method.

User terminals to which the present invention is applied among a plurality of user terminals existing within the range broadcasted by the traffic payment terminal can receive the first biological characteristic information of the first user through the broadcast short-range communication signal.

Each of the user terminals that have received the first biological characteristic information of the first user may be configured to calculate a similarity between the user biological characteristic information registered and stored therein and the received first biological characteristic information.

When each user terminal determines that the degree of similarity calculated by the user terminal is higher than the reference value, it is determined that the first user of the first biometric feature information presented from the transportation payment terminal is the same as the owner of the user terminal (= each user terminal). can be considered

The user terminal that determines that the degree of similarity between the presented first biometric characteristic information and the biometric characteristic information registered and stored in itself (= the user terminal) is high, returns the biometric information comparison result including the degree of similarity to the transportation payment terminal using short-range communication. can

In this case, there may be a plurality of user terminals that have received the first biological characteristic information of the first user within the broadcasting range by short-range communication, and one or more user terminals that have determined that the degree of similarity is high and have returned may be one or more.

When the traffic payment terminal receives biometric information comparison results returned by two or more user terminals, the traffic payment terminal may select a user terminal that has sent higher biometric information comparison results. The transportation payment terminal may perform a procedure for payment of transportation fares with the selected user terminal.

As a communication method for payment of traffic fares, the short-distance communication method used for exchanging biometric feature information can be used again.

The user's biometric information input from the recognition device of the transportation payment terminal is temporarily used to generate biometric characteristic information, and the biometric information and biometric characteristic information entered into the transportation payment terminal are discarded immediately after use regardless of whether the payment process is normal or failed. do.

An offline fee payment method using biometric information according to an aspect of the present invention includes the steps of, by a terminal, broadcasting biometric feature information extracted from biometric information provided from a user through short-range communication, by the terminal, from a set of user terminals. Receiving a similarity for each of the biometric feature information; and selecting, by the terminal, a user terminal that has returned the highest similarity among a set of similarities received from the set of user terminals, and matching the selected user terminal with a predetermined and performing a mutual process of, and the returned similarity may be a similarity between the broadcast biometric characteristic information and the biometric characteristic information stored in each user terminal.

In this case, the terminal is a payment terminal that performs payment, and the predetermined mutual process may be a financial payment process to be completed by the user.

Alternatively, the terminal may be a gate opening/closing control terminal controlling the opening and closing of a gate, and the predetermined mutual process may be a gate opening/closing control process that the user must complete in order to pass through the gate.

Alternatively, the terminal may be a qualification authentication terminal that performs qualification authentication, and the predetermined mutual process may be an authentication process that the user must complete in order to obtain predetermined authentication from the terminal.

In this case, each user terminal may be configured to return the similarity to the terminal only when the similarity between the broadcasted biometric characteristic information and the biometric characteristic information stored in the user terminal is equal to or greater than a predetermined threshold value.

In this case, the biometric characteristic information stored in the user terminal may be pre-stored after being extracted from the biometric information provided by the user of the user terminal to the user terminal.

At this time, the broadcasting step may include receiving, by the terminal, biometric information from the user; extracting, by the terminal, biometric characteristic information from the biometric information; The communication may include broadcasting.

In this case, the terminal may further include outputting a biometric information presentation request.

A terminal according to one aspect of the present invention may be provided. The terminal includes a processing unit 120; and a short-range communication unit 140, wherein the processing unit 120 extracts biometric characteristic information from biometric information provided from a user, and broadcasts the extracted biometric characteristic information through the short-range communication unit. The short-range communication unit is configured to receive similarities for the biometric feature information from a set of user terminals, respectively, and selects a user terminal that has returned the highest similarity among the set similarities received from the set of user terminals. and perform a predetermined mutual process with the selected user terminal, and the returned similarity may be a similarity between the broadcast biometric characteristic information and the biometric characteristic information stored in each user terminal.

At this time, the terminal is a payment terminal, and the predetermined mutual process is a financial payment process to be completed by the user, or the terminal is a gate opening and closing control terminal, and the predetermined mutual process is required for the user to pass through the gate. It may be a gate opening/closing control process to be completed, or the terminal is a qualification authentication terminal, and the predetermined mutual process may be an authentication process to be completed by the user to obtain predetermined authentication from the terminal.

In this case, each user terminal may be configured to return the similarity to the terminal only when the similarity between the broadcasted biometric characteristic information and the biometric characteristic information stored in the user terminal is equal to or greater than a predetermined threshold value.

In this case, the biometric characteristic information stored in the user terminal may be pre-stored after being extracted from the biometric information provided by the user of the user terminal to the user terminal.

According to the present invention, it is possible to satisfy the requirements of transportation payment service by providing prompt payment service through offline user authentication.

In addition, it is possible to provide a convenient transportation payment service that does not require a separate payment action through the configuration of the payment method through the user's biometric information.

In addition, since a separate high-performance device and network configuration for biometric information authentication is not required, system configuration cost can be reduced because there is no need for device cost and network cost accordingly.

1 shows the configuration of devices used in a payment method according to an embodiment of the present invention.
2 is a diagram for explaining a step of extracting and storing biometric information from a first user, as steps performed in a user terminal according to an embodiment of the present invention.
3 is a diagram for explaining a step of extracting and broadcasting biometric information from a first user, as steps performed in a payment terminal according to an embodiment of the present invention.
FIG. 4 is a diagram for explaining a step of making a payment by a payment terminal by selecting a user terminal having biometric feature information having the highest similarity to first biometric feature information according to an embodiment of the present invention.
5 is a diagram for explaining a process of returning a similarity to a payment terminal when a user terminal receives a broadcasting signal from the payment terminal according to an embodiment of the present invention.
6 is a diagram for explaining a process in which a payment terminal that has returned a plurality of similarities performs a payment process according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments described herein and may be implemented in various other forms. Terms used in this specification are intended to aid understanding of the embodiments, and are not intended to limit the scope of the present invention. Also, the singular forms used herein include the plural forms unless the phrases clearly dictate the contrary.

1 shows the configuration of devices used in a payment method according to an embodiment of the present invention.

The payment terminal 10 may include a terminal information unit 110, a fee processing unit 120, a biometric information recognition unit 130, and a short-range communication unit 140.

The payment terminal 10 may be a device capable of performing financial settlement in cooperation with the user terminal 20 .

The payment terminal 10 is, for example, a transportation fare payment terminal installed in a bus, a transportation fare payment terminal installed at an entrance gate installed in a subway station, a transportation fare payment terminal installed in a taxi, a payment terminal installed at a checkout counter in a mart or convenience store, and other stores. It may be a payment terminal installed at the checkout counter. Although the creation of the present invention originates in the transportation fare payment field, the application field of the present invention is not limited thereto, so the above-described payment terminal 10 also does not cover the industrial field.

In one embodiment, the payment terminal may be a gate opening and closing control terminal. For example, in a subway station where free riding is possible depending on conditions, a person permitted to ride free can pass through an entrance gate without financial settlement or with a payment amount of 0 won. Accordingly, in this case, the payment terminal may be referred to or regarded as a gate opening/closing control terminal.

Alternatively, in this embodiment, the payment terminal may be referred to as an authentication terminal in terms of authenticating the qualifications of a specific person.

The terminal information unit 110, the charge processing unit 120, the biometric information recognition unit 130, and the short-distance communication unit 140 may be functional units provided by hardware and software, respectively.

The user terminal 20 may include a card processing unit 210, a short range communication unit 220, a biometric feature information storage unit 230, and a biometric information recognition unit 240.

The user terminal 20 is a computing and communication device that a user can carry, and may be, for example, a smart phone.

The card processing unit 210, the short-range communication unit 220, the biometric feature information storage unit 230, and the biometric information recognizing unit 240 may be functional units provided by hardware and software, respectively.

Now, detailed components constituting the payment terminal 10 and the user terminal 20 will be described.

The terminal information unit 110 stores information capable of specifying the type, location, identifier, etc. of the payment terminal 10, and may be configured to provide the information when an external device such as the user terminal 20 requests it. .

The fee processing unit 120 is a module that performs a payment process between the payment terminal 10 and the user terminal 20, and may execute the start, intermediate process, and end of the payment process. In addition, the fee processing unit 120 may be configured to determine whether or not to start a payment process based on the output result of the biometric information recognition unit 13 and the communication result with the user terminal 20 using the short range communication unit 14. . The fee processing unit 12 may simply be referred to as a processing unit.

The biometric information recognition unit 130 includes an iris recognition device, a fingerprint recognition device, a face recognition device, a palmprint recognition device, a hand shape recognition device, and a vein recognition device. , and a sensor device such as a voice recognition device. Further, the biometric information recognizing unit 130 may extract biometric feature information from the biometric information output by the sensor device and provide the extracted biometric feature information to the charge processing unit 120 . The biometric characteristic information may be referred to as a biometric information parameter, or may be array information consisting of numbers having a predetermined format.

The short-distance communication unit 140 may be configured to exchange information having a predetermined protocol with the user terminal 20 according to instructions from the charge processing unit 120 . The short-range communication unit 14 may use any one communication method among, for example, Bluetooth, UWB, and WiFi.

The card processing unit 210 may perform an operation for payment processing with the payment terminal 10 by using information about a payment card such as a prepaid card or a postpaid card to be used for payment.

In one embodiment, the information on the payment card may be stored in a storage of a separate Secure Element (SE) mounted on the user terminal 20, for example, a USIM device. In this case, the card processing unit 210 may obtain information about the payment card through an interface between the user terminal 20 and the SE. The USIM device is a device separate from the user terminal, and the USIM device may be attached to or detached from the user terminal.

In another embodiment, the information about the payment card may be stored in an internal storage accessible by an operating system (OS) of the user terminal 20 and/or an application program running on the operating system. The internal storage may be a memory installed in the user terminal 20 as a device separate from the USIM device. The information on the payment card may be semi-permanently stored in the internal storage. Alternatively, the information on the payment card may be information temporarily stored in the internal storage and updated by an interaction between the user terminal 20 and a remote server connected to the user terminal 20 through a network. there is.

The card processing unit 210 may simply be referred to as a processing unit. The processing unit may also perform a function of determining a degree of similarity between biometric feature information to be described later.

The short-range communication unit 220 may exchange information having a predetermined protocol with the payment terminal 10 according to instructions from the card processing unit 210 . The short-range communication unit 22 may use any one communication method among, for example, Bluetooth, UWB, and WiFi.

The biometric information recognizing unit 240 may include one of the sensor devices described above. For example, the biometric information recognition unit 240 may include an iris recognition device, a fingerprint recognition device, a face recognition device, a palm print recognition device, a hand recognition device, a vein recognition device, and/or a voice recognition device.

Also, the card processing unit 210 may extract biometric feature information from the biometric information output by the sensor device and store the biometric feature information storage unit 230 . The biometric characteristic information may be referred to as a biometric information parameter, or may be array information consisting of numbers having a predetermined format.

The biometric feature information storage unit 230 may provide the stored biometric feature information to the card processor 210 whenever the card processor 210 requests it.

2 is a diagram for explaining a step of extracting and storing biometric information from a first user, as steps performed in a user terminal according to an embodiment of the present invention.

The method shown in FIG. 2 shows a process that the first user must prepare in advance to use the payment method according to an embodiment of the present invention. If the method shown in FIG. 2 is used, the first user stores the first user's biological information in the internal storage of the user terminal 20, which is a terminal used by the first user, or in an external storage that the user terminal 20 can access in real time. Biometric feature information extracted from the information may be stored.

The biometric characteristic information may be composed of values generated by compressing the information amount of the biometric information. For example, the biometric information may be an image of a person's iris or face, and the biometric specific information may refer to characteristic data extracted from the image.

In step S11 , the biometric information recognizing unit 240 of the user terminal 20 may receive biometric information from the first user 121 . At this time, being provided with biometric information means, for example, that the first user 121 contacts the user terminal 20 with a fingerprint of a finger in the case of a fingerprint, or the user terminal 20 to scan a face in the case of face recognition. This can be done by placing it in close proximity.

The biometric information recognizing unit 240 may include hardware such as, for example, a photographing module or a fingerprint recognition module, and may further include hardware/firmware/software that processes signals output by such hardware.

In step S12 , the card processing unit 210 of the user terminal 20 may receive the biometric information output by the biometric information recognizing unit 240 from the biometric information recognizing unit 240 .

The card processing unit 210 may perform payment processing using a prepaid card, a postpaid card, or a credit card stored in a user terminal, as well as various other types of tasks required for card payment. Accordingly, the card processing unit 210 may be simply referred to as the processing unit 210 .

In step S13, the card processing unit 210 may extract biometric feature information from the biometric information.

The method of extracting the biometric feature information from the biometric information may appropriately adopt and apply a technology related to each biometric field, and the specific method does not necessarily limit the scope of the present invention.

In step S14, the biometric characteristic information storage unit 230 of the user terminal 20 may receive and store the biometric characteristic information from the card processing unit 210.

The biometric feature information storage unit 230 may be an internal storage of the user terminal 20 or an external storage that the user terminal 20 can access in real time.

3 is a diagram for explaining a step of extracting and broadcasting biometric information from a first user, as steps performed in a payment terminal according to an embodiment of the present invention.

The first user may provide the biometric information of the first user to the biometric information recognition unit 130, which is a device that is built into the payment terminal 10 or cooperates with the payment terminal 10, in order to perform a desired financial payment. .

The biometric information recognizing unit 130 may include hardware such as, for example, a photographing module or a fingerprint recognition module, and may further include hardware/firmware/software that processes signals output by such hardware.

In step S21 , the biometric information recognizing unit 130 of the payment terminal 10 may receive first biometric information, which is the biometric information of the first user, from the first user 121 .

In step S22, the fee processing unit 120 of the payment terminal 20 may receive the first biometric information output by the biometric information recognizing unit 130 from the biometric information recognizing unit 130.

The fee processing unit 120 may perform various other types of tasks required for payment as well as a function of performing payment processing performed by the payment terminal 10 in cooperation with the user terminal 20 . Accordingly, the charge processing unit 120 may be simply referred to as the processing unit 120 .

In step S23, the charge processing unit 120 may extract first biological feature information from the first biological information.

The method of extracting the biometric feature information by the charge processing unit 120 may be the same as the method of extracting the biometric feature information by the user terminal 20 or a method of forming a pair corresponding thereto.

In step S24, the short-range communication unit 140 of the payment terminal 20 may receive the first biometric characteristic information from the charge processing unit 120.

In step S25, the short-range communication unit 140 may broadcast the first biometric characteristic information using short-range communication.

The short-range communication method may be one of Bluetooth, UWB, and WiFi, or another communication method, but is not limited to the technologies listed above.

FIG. 4 is a diagram for explaining a step of making a payment by a payment terminal by selecting a user terminal having biometric feature information having the highest similarity to first biometric feature information according to an embodiment of the present invention.

In the payment environment of FIG. 4, it is assumed that the payment terminal 10, the first user terminal 21, the second user terminal 22, and the third user terminal 23 are adjacent to each other within a short distance.

The first user terminal 21 , the second user terminal 22 , and the third user terminal 23 may be terminals used by the first user, the second user, and the third user, respectively. The first user terminal 21, the second user terminal 22, and the third user terminal 23 acquire the biological characteristics of the first user, the second user, and the third user through the process shown in FIG. 2, respectively. information may be stored.

The payment terminal 10 may be a terminal that performs the functions shown in FIG. 3 .

In step S111, the payment terminal 10 may output a biometric information presentation request. In this case, the output may be output in various ways, such as being output on the display screen of the payment terminal 10 or output as a voice through a speaker.

For example, the payment terminal 10 installed at a subway entrance may include a camera, a display device, and a speaker, and may be used for permission to board a subway, payment for subway boarding, or transportation fee settlement to be performed while exiting a subway platform. In order to do so, a voice or a screen requesting to provide biometric information (for example, face recognition) may be output. The permission to board the subway may be permission for an elderly person who is capable of free riding.

In this specification, as a main embodiment of the present invention, the bill payment service is mainly described, but the present invention is not limited only to these embodiments. That is, the present invention can be used to complete one-way authentication, mutual authentication, or a predetermined cooperative process between a terminal corresponding to the payment terminal 10 and a user device corresponding to the user terminal 20.

For example, the payment terminal 10 installed at a checkout counter of a store may include a camera, a display device, and a speaker. In this case, when a store employee presses a button to confirm the payment amount provided to the payment terminal 10, the payment terminal 10 may output a voice or a screen requesting biometric information (eg, facial recognition) to be provided. Thereafter, as additional steps of the present invention described later are performed, the first user can complete the payment without manipulating the first user terminal.

Alternatively, when a store clerk requests the first user to provide biometric information (eg, facial recognition), the first user may provide his or her biometric information to a device prepared in the store in response to this request. In this embodiment, step S111 may be omitted.

In step S21 , the payment terminal 10 may receive first biometric information from the first user 121 .

In step S112, the payment terminal 10 may extract biometric characteristic information from the first biometric information.

In step S120, the payment terminal 10 may broadcast the biometric feature information using short-range communication.

In step S131, when the first user terminal 21, the second user terminal 22, and the third user terminal 23 each receive the signal broadcasted by the payment terminal 10, each user terminal can calculate the degree of similarity between the biometric feature information stored in itself and the received biometric feature information. For example, the similarities calculated by the first user terminal 21, the second user terminal 22, and the third user terminal 23, respectively, are the first similarity (similarity 1), the second similarity (second similarity), and the third similarity. It may be similarity (similarity 3).

In step S132, it may be determined that the first user terminal 21, the second user terminal 22, and the third user terminal 23 return the similarity when the calculated similarity is equal to or greater than the threshold value.

The threshold is a preset threshold. In one embodiment, the threshold value stored in each user terminal may be a threshold value in a state in which calibration has been performed according to the environment of each user terminal.

In step S133 , the payment terminal 10 may receive a first similarity from the first user terminal 21 and a second similarity from the second user terminal 22 .

In step S140, the payment terminal 10 may select a user terminal that has returned the highest similarity among received similarities. That is, when the first similarity returned by the first user terminal 21 is greater than the second similarity returned by the second user terminal 22, the payment terminal 10 may select the first user terminal 21. .

4 shows an example in which the first user terminal 21 is selected.

In step S150 , the payment terminal 10 may perform a payment process with the first user terminal 21 .

A specific protocol of the payment process follows a pre-determined method. The present invention is not necessarily limited to a specific protocol.

In one embodiment, step S150 may be replaced with a predetermined process rather than a payment process. For example, in an embodiment in which financial payment is not required, a specific user terminal may be selected through steps S21 and S140, and a predetermined process may be performed between the selected user terminal and the payment terminal. The predetermined process may be, for example, a process of opening a public transportation gate for an elderly person who is defined as not needing to pay a fare. And, the predetermined process may be, for example, the above-mentioned fee payment process.

That is, the present invention is a technology for specifying one user terminal to interact with the terminal 10 among a plurality of user terminals in order to perform an arbitrary mutual cooperation process between the terminal 10 and the user terminal 20. may be understood as

In step S160, the payment terminal 10 may take follow-up measures after payment is completed. The follow-up may be, for example, opening a gate for using public transportation.

5 is a diagram for explaining a process of returning a similarity to a payment terminal when a user terminal receives a broadcasting signal from the payment terminal according to an embodiment of the present invention.

In step S120, the short-range communication unit 220 of the user terminal 20 may receive a signal broadcast by the payment terminal 10 through short-range communication. The broadcast signal may include biometric characteristic information of the requester. Also, the requestor may be a person who provides his or her biometric information to the payment terminal 10 . 5 shows an example in which the requester is the first user 121 using the first user terminal 21 .

In step S15, the short-range communication unit 220 of the user terminal 20 may transmit the biometric characteristic information of the requestor to the card processing unit 210 of the user terminal 20.

In step S16, the card processing unit 210 of the user terminal 20 may retrieve biometric characteristic information stored in the biometric characteristic information storage unit 230 of the user terminal 20.

In step S17, the card processing unit 210 of the user terminal 20 may calculate a similarity between the biometric characteristic information of the requestor and the stored biometric characteristic information.

For example, both the biometric characteristic information of the requestor and the stored biometric characteristic information may be a number array having the same dimension. The degree of similarity may be defined as a distance between an array representing the biometric characteristic information of the requestor and an array representing the stored biometric characteristic information. However, a specific method of calculating similarity may be achieved by selecting one of various techniques, and the present invention is not necessarily dependent thereon.

In step S18, the card processing unit 210 of the user terminal 20 may return the calculated similarity to the payment terminal 10 when the similarity is greater than or equal to a threshold value.

That is, in step S133, the payment terminal 10 may receive a similarity from the user terminal 20.

6 is a diagram for explaining a process in which a payment terminal that has received similarities from a plurality of user terminals proceeds with a payment process according to an embodiment of the present invention.

In step S133, the short-range communication unit 140 of the payment terminal 140 may receive a first similarity and a second similarity as a reply from the first user terminal 21 and the second user terminal 22, respectively.

In step S134, the short-range communication unit 140 of the payment terminal 140 may transmit the first similarity and the second similarity to the charge processing unit 120 of the payment terminal 140.

In step S135, a user terminal may be selected based on the similarity values received by the charge processing unit 120 of the payment terminal 140. For example, among the first similarity and the second similarity (in this example, the second similarity is a lower value than the first similarity), the first user terminal 21 corresponding to the first similarity, which is the highest similarity, may be selected.

In step S150 , the short-range communication unit 140 of the payment terminal 140 may perform a payment process with the selected first user terminal 21 . The payment terminal 10 does not perform a payment process with the unselected second user terminal 22 .

According to the present invention, the following effects can be obtained.

First, a convenient transportation payment service using biometric information can be provided. The payment method of the present invention uses the user's biometric information and can directly use the presentation of the biometric information to determine payment intention. In addition, since payment processing is performed by short-range wireless communication, payment service can be provided without a user's separate action. For example, a transportation payment service can be immediately used through simple presentation of biometric information without a separate payment method tag or input, and a more convenient payment service can be provided without having a separate payment method.

Second, simple configuration and fast processing are possible without the need for separate network configuration. In the authentication method using general biometric information, a configuration such as a separate server is required to verify the user himself. In addition, it is necessary to configure a separate server in the internal network or configure an external server and connect online to search user registration information. In addition, as the number of registered users increases, a high-performance device is required. However, since the payment method according to the present invention does not require separate storage of biometric information and is directly processed offline, a separate high-performance server and network connection are not required. Through this, it is possible to reduce service configuration costs and provide payment services in a relatively short time because it does not require additional time for network connection.

Third, it is possible to provide a safe service without exposing the user's biometric information. In the payment method using biometric information according to the present invention, the user's biometric information is not exposed to the outside from the user's mobile device. Since the user's biometric information input through the user's mobile device or the recognition device of the transportation payment terminal is converted into biometric characteristic information and used, the user's biometric information itself may not be leaked. In addition, since the traffic payment terminal does not store the user's biometric information or biometric characteristic information, the possibility of leakage of personal information by the traffic payment terminal is reduced.

Using the above-described embodiments of the present invention, those belonging to the technical field of the present invention will be able to easily implement various changes and modifications without departing from the essential characteristics of the present invention. The content of each claim of the claims may be combined with other claims without reference relationship within the scope understandable through this specification.

Claims (12)

broadcasting, by a terminal, biometric feature information extracted from biometric information provided from a user through short-range communication;
receiving, by the terminal, a degree of similarity for the biometric characteristic information from a set of user terminals; and
selecting, by the terminal, a user terminal that has returned the highest degree of similarity among a set of similarities received from the set of user terminals, and performing a predetermined mutual process with the selected user terminal;
Including,
The returned similarity is a similarity between the broadcast biometric feature information and the biometric feature information stored in each user terminal,
Each of the user terminals of the one set is configured to calculate a similarity between the biometric feature information broadcast through short-range communication and the biometric feature information stored in each user terminal.
Offline payment method using biometric information. The method of claim 1, wherein the terminal is a payment terminal that performs payment, and the predetermined mutual process is a financial payment process to be completed by the user. The method of claim 1, wherein the terminal is a gate opening and closing control terminal that controls the opening and closing of a gate, and the predetermined mutual process is a gate opening and closing control process that the user must complete to pass through the gate. payment method. The method of claim 1, wherein the terminal is a qualification authentication terminal that performs qualification authentication, and the predetermined mutual process is an authentication process that the user must complete to obtain predetermined authentication from the terminal. Offline using biometric information Payment method. The method of claim 1, wherein each user terminal is configured to return the similarity to the terminal only when a similarity between the broadcasted biometric feature information and the biometric feature information stored in the user terminal is equal to or greater than a predetermined threshold value. , Offline payment method using biometric information. [6] The method of claim 5, wherein the biometric feature information stored in the user terminal is previously stored after being extracted from the biometric information provided by the user of the user terminal to the user terminal. According to claim 1,
The broadcasting step is
receiving, by the terminal, biometric information from the user;
extracting, by the terminal, biometric characteristic information from the biometric information; and
broadcasting, by the terminal, the biometric characteristic information through short-range communication;
including,
Offline payment method using biometric information. The method of claim 1, further comprising outputting a request for presentation of biometric information by a terminal. processing unit 120; And a short-range communication unit 140; includes,
The processing unit 120,
Extracting biometric characteristic information from biometric information provided by a user, and broadcasting the extracted biometric characteristic information through the short-range communication unit;
It is configured to receive a similarity of the biometric characteristic information from a set of user terminals through the short-range communication unit, and
Selecting a user terminal that has returned the highest degree of similarity among the set of similarities received from the set of user terminals, and performing a predetermined mutual process with the selected user terminal;
The returned similarity is a similarity between the broadcast biometric feature information and the biometric feature information stored in each user terminal,
Each of the user terminals of the one set is configured to calculate a similarity between the biometric feature information broadcasted through the short-range communication unit and the biometric feature information stored in each user terminal.
terminal. According to claim 9,
The terminal is a payment terminal, and the predetermined mutual process is a financial payment process to be completed by the user; or
The terminal is a gate opening and closing control terminal, and the predetermined mutual process is a gate opening and closing control process that the user must complete to pass through the gate, or
Characterized in that the terminal is a qualification authentication terminal, and the predetermined mutual process is an authentication process that the user must complete to obtain predetermined authentication from the terminal.
terminal. The method of claim 9, wherein each user terminal is configured to return the similarity to the terminal only when the similarity between the broadcasted biometric feature information and the biometric feature information stored in the user terminal is equal to or greater than a predetermined threshold value. Characterized in that, the terminal. The terminal according to claim 9, wherein the biometric feature information stored in the user terminal is extracted from biometric information provided by the user of the user terminal to the user terminal and stored in advance.

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