KR20010055426A - System For And Method of Electronic Settlement Utilizing Fingerprints - Google Patents

Abstract

PURPOSE: A system and method for an electronic payment using a fingerprint is provided to prevent an illegal use by providing a fingerprint plate on one side of a credit card for sealing a fingerprint and converting fingerprint information into image data through a card reader etc. and transmitting the data to a card company main system with personal information. CONSTITUTION: A data input device(11) scans, inputs and registers the thumbs of new member. A database(12) stores member's personal information and fingerprint information as data. A main system(13) stores the information in the database(12) and fingerprint position information of image data transmitted through a communication network connection device(14) of a member store and analyzes and compares the information. A card reader(15) is provided for reading fingerprint information and the personal information recorded in a magnetic tape(22). A fingerprint sensing device(152) and a fingerprint plate(153) are provided on a card insertion unit of the card reader(15). A personal computer(16) has another fingerprint plate(161) on one side of a main body. A mobile terminal(17) has other fingerprint plate(171). A communication system(19) transmits the image data and personal information to the main system(13). A communication network connection device(19) includes a modem for connecting the card reader(15) and the personal computer(16) to the communication network connection device(14).

Description

Electronic payment system using fingerprints and its method {System For And Method of Electronic Settlement Utilizing Fingerprints}

The present invention relates to an electronic payment system using a credit card, and more specifically, the use of a fingerprint and a card reader for recognizing the fingerprint and a fingerprint reader to seal the main portion of the credit card using different fingerprints for each person. The present invention relates to an electronic payment system using a fingerprint that enables payment and a method thereof.

In general, fingerprints are one of the physical characteristics of a person, which is different from one person to another, and does not change forever unless damaged. In addition, the device for recognizing the fingerprint is already disclosed Korean Patent Publication, Publication No. 95-15188 fingerprint recognition device and Korean Patent Publication No. 97-62954 Fingerprint recognition device and fingerprint binary image extraction method Its specific configuration and operation is described in detail.

On the other hand, in the conventional credit card payment system, if the subscriber enters personal information and password through the card company in the application, the card company checks the creditor's credit status, and then through the new member registration process, the credit card, cash card, debit card , Pass card, fueling card, etc. (hereinafter referred to as credit card) will be issued, and the subscriber shall use the credit card within the usage limit of the issued credit card and check the transaction history on a certain payment date to automatically transfer the corresponding amount. Is done in a way.

In addition, the merchant affiliated to the card company approved the use of the credit card presented by the user through the card reader and credit payment, after receiving the signature on the receipt and returning the credit card and receipt to the user is a way to confirm this .

However, in the state of approval of the card reader, the employee of the affiliated store or another person may use it illegally, such as requesting the use approval in addition to the transaction that the customer requests the use approval for illegal purposes, and the user may trust Lost cards are often used illegally by others, which is a social problem.

The present invention is to solve the conventional problems as described above, by providing a fingerprint plate is stamped on one side of the credit card to convert the fingerprint information recognized through the card reader, personal computer and portable terminal into image data The purpose of the present invention is to provide an electronic payment system and a method using a fingerprint, which can be used to completely block illegal use by others as well as duplicate use in the approval and credit settlement by transmitting the personal information to the card company main system.

In order to achieve the above object, the present invention provides an electronic payment system comprising a card company for performing use approval and credit settlement using a fingerprint and a plurality of affiliated stores; A credit card having a coated fingerprint plate for easy fingerprint stamping on the upper main portion, and a credit card having a magnetic tape on which the personal information is recorded; The card company stores a data input device for inputting personal information and fingerprint information of a subscriber, a database for registering and storing personal information and fingerprint information as data, and stores personal information and fingerprint information input from the data input device in the database. Main system that stores and compares location information of fingerprint based on personal information analysis and image data transmitted from wired switching network or internet communication network, and performs user approval and credit settlement according to the approval request of merchant. Consisting of; The affiliated store is provided with a fingerprint plate for directly fingerprinting a user on one side of the upper plate and a fingerprint recognition device for recognizing a fingerprint imprinted on a credit card at a main portion of a card insertion unit. Provided is a card reader for converting the data and output with the personal information recorded on the magnetic tape, and a communication network connection device for connecting the communication network and the card reader, characterized in that it comprises an electronic payment system using a fingerprint. .

In the affiliated store, a personal computer having a fingerprint plate is further configured at one main portion of the keyboard or the main body, and an electronic payment system using a fingerprint is connected to the main company of the card company through the communication network to use and approve credit. To provide.

The affiliated store further comprises a portable terminal having a fingerprint plate at the inner side of the flip cover or at one side of the display window, and transmitting and receiving data wirelessly transmitted from the portable terminal to the card company main system through a communication network. Provides an electronic payment system using a fingerprint, characterized in that it further comprises a communication system for wireless transmission.

In addition, in order to achieve another object of the present invention, there is provided a credit card with a fingerprint plate; A card company composed of a data inputter, a database, and a main system which performs use approval and credit settlement according to the use approval request of the affiliated store; Claims [1] An electronic payment method using a fingerprint comprising a merchant comprising a fingerprint plate, a fingerprint reader, and a card reader provided with a card insertion unit and a communication network connection device for connecting to a card company main system through a communication network; A first step of inputting and registering new subscriber's personal information and fingerprint information; A second step of fingerprinting the fingerprint plate of the credit card after the user purchases the article; Inserting a credit card into the card insertion unit of the card reader and stopping for a predetermined time, and then lowering the credit card downward to read fingerprint information and personal information; A fourth step of converting the fingerprint information read through the card reader into image data and transmitting the fingerprint information to the card company main system through a communication network connected to a communication network access device together with personal information; The card company main system performs a verification process based on the transmitted image data and personal information, and at the same time, reads the personal information and fingerprint information of subscribers registered in the database and compares them with the transmitted personal information and image data. ; In the fifth step of comparing the personal information and the image data, if the result of the comparison does not match, the non-approval message is sent to the card reader, and the process returns to the third step. A sixth step of storing the fingerprint shape and location information of the fingerprint and determining whether there is previously stored fingerprint location information; A seventh step of transmitting a usage approval message to a card reader and performing a general credit settlement procedure when the pre-stored fingerprint location information does not exist; If the pre-stored fingerprint location information exists, compared with the fingerprint location information of the transmitted image data, and if it does not match, perform the seventh step, and if it is matched as a result of comparing the fingerprint location information to prevent duplicate use of the credit card The present invention provides an electronic payment method using a fingerprint, comprising: an eighth step of transmitting a non-use approval message to the card reader and returning to the third step.

1 is a block diagram schematically showing the internal configuration of an electronic payment system using a fingerprint according to the present invention.

Figure 2 is an external perspective view showing the appearance of the credit card of the electronic payment system using a fingerprint according to the present invention.

Figure 3 is a flow chart showing the overall approval process of the electronic payment method using a fingerprint according to the present invention.

* Description of the symbols for the main parts of the drawings *

11: Data Input 12: Database

13: card company main system 14: communication network

15: card reader 16: personal computer (PC)

17: portable terminal 18: communication system

19: communication network connection device 20: credit card

21: fingerprint plate 22: magnetic tape

23: fingerprint

Configuration and operation of the electronic payment system using a fingerprint according to the present invention will be described in detail through an embodiment of the present invention.

1 is a block diagram schematically showing the internal configuration of the electronic payment system using a fingerprint according to the present invention, Figure 2 is an external perspective view showing the appearance of a credit card of the electronic payment method using a fingerprint according to the present invention to be.

Electronic payment method using a fingerprint according to the present invention, as shown in Figures 1 and 2, the form is configured as follows.

First, reference numeral 11 is a data input device for scanning and registering the left and right thumbs in consideration of personal information and fingerprints, such as finger injuries, of a new subscriber, and 12 is a database for storing personal information and fingerprint information of subscribers as data. , 13 is a main system of the card company, and stores the personal information and fingerprint information input to the data input unit 11 in the database 12, the image data transmitted through the communication network connection device 14 of the merchant to be described later It stores fingerprint location information, analyzes and compares personal information, and performs comprehensive use approval and credit settlement according to the request for approval of merchants.

In addition, reference numeral 14 is a known communication network such as a general wired switching network or an internet network, and 15 is a card reader for reading fingerprint information of the credit card 20 and personal information recorded on the magnetic tape 22, which will be described later. In addition, a fingerprint recognition device 152 for recognizing a fingerprint is installed at a main portion of the card inserting portion 151, and when the credit card 20 is inserted into a state of being stopped for a predetermined time, for example, 3 seconds, the credit card 20 The fingerprint is recognized, and the fingerprint plate 153 is configured to directly stamp the fingerprint on one side of the upper plate.

In addition, reference numeral 16 is a personal computer (PC) equipped with a fingerprint plate 161 in which a fingerprint recognition device is built in one main part of a keyboard or body not shown, and 17 is a portable communication terminal. A portable terminal having a fingerprint plate 171 having a fingerprint recognition device embedded therein at the inner side of the flip cover or on one side of the display window, 18 performs general communication with the portable terminal 17 and is wirelessly transmitted from the portable terminal 17. Connection processing for transmitting data such as image data and personal information to the card company main system 13 via the communication network 14 and vice versa, a communication system for wirelessly transmitting data to the portable terminal 17. A communication network connection device equipped with a modem and a display function for connecting the reader 15 and the personal computer 16 to the communication network 14.

On the other hand, the credit card 20 shown in Figure 2 is a high-density plastic fingerprint plate 21, the inside of which is easily coated (printed) on the upper main portion, and the back of the user's various personal information and card number, etc. This recorded magnetic tape 22, and reference numeral 23 is a fingerprint that the user stamps on the fingerprint plate 21 for use approval.

Next, an operation state of the electronic payment system and the method using the fingerprint of the present invention having the above configuration will be described in detail with reference to the flowchart shown in FIG. 3.

3 is a flowchart illustrating a process of approval and credit settlement of an electronic payment system using a fingerprint and a method thereof according to the present invention.

First, the card company checks the details of the credit transaction based on the new subscriber's application, and if there is no reason for disqualification in the joining condition, the personal information of the subscriber through the data input unit 11, such as a social security number, a password, an address and a telephone number. In addition to inputting a direct debit account number and the like, the left and right thumb fingerprints are scanned and registered to replace them when a finger is damaged. The card company main system 13 sequentially registers the entered subscriber information in the database 12. Will be saved.

On the other hand, after the user registered in the card company purchases the goods at the card company affiliated stores, the fingerprint to the fingerprint plate 21 provided on the credit card 20 before presenting the credit card 20 for payment to the employee The credit card 20 will be delivered to.

Thereafter, the employee inserts the credit card 20 into the card insertion unit 151 of the card reader 15, stops for a predetermined time, for example, 3 seconds, and then lowers the credit card 20 downward. ) Checks whether the fingerprint information is normally recognized (step 31), and reads personal information recorded on the magnetic tape 22, for example, a card number or a social security number (step 32).

Further, the key reader 15 converts the recognized fingerprint information into image data and transmits it to the card company main system 13 through the communication network 14 connected with the communication network connection device 19 together with the personal information. Step 33) The card company main system 13 executes an authentication procedure based on the approval of use based on the transmitted personal information and image data.

At this time, the card company main system 13 reads the personal information and fingerprint information of the user registered in the database 12 (step 35) and compares it with the transmitted personal information and image data (step 36). If not, a predetermined usage approval message is sent and the process returns to step 31 above.

In addition, the card company main system 13 is in the form of a fingerprint of the transmitted image data when the personal information and image data transmitted in step 36 and the user's personal information and fingerprint information is matched, for example, the fingerprint of the credit card 20 Based on the outer line of the plate 21, the location information is stored based on the shape and position of the fingerprint, for example, the angles of up, down, left and right (step 37), and it is determined whether there is already stored location information. In the case where the previously stored location information does not exist (step 38), a use approval message is transmitted to the card reader 15 and a general credit settlement procedure is performed.

In operation 38 of determining whether the location information of the fingerprint is pre-stored, the card company main system 13 compares the existing location information if it is already stored, and if the location information does not match as a result of comparison, step 39. If the location information is matched as a result of the comparison, a message of disallowing use of the credit card 20 to prevent duplicate use of the credit card 20 is transmitted to the card reader 15 and the process returns to step 31.

On the other hand, in the affiliated stores registered with the card company when a user who does not have a credit card 20 to purchase goods and request credit payment through the card reader 15 or the personal computer 16 and the portable terminal 17 It is implemented to allow the use, the card reader 15 stops for a predetermined time, for example, 3 seconds in the state that the user directly fingerprints the fingerprint plate 153 provided in the card reader 15 is the fingerprint Step 31 to recognize the step, and by entering the personal information, such as card number or resident registration number through the keypad of the card reader (not shown) 15, the use approval process is performed sequentially from the above step 32.

In addition, when a user approves a request through the personal computer 16, the user directly stamps a fingerprint on the fingerprint plate 161 provided in the personal computer 16, and then personal information such as a card through a keyboard (not shown). If the number or resident registration number is entered, the use approval process is sequentially performed from the above 32 steps.

When the user approves a request through the portable terminal 17, the user directly stamps the fingerprint on the fingerprint plate 171 provided in the portable terminal 17, and then the keypad of the portable terminal 17 (not shown). When the personal information such as a card number or social security number is input through the portable terminal 17 wirelessly transmits the fingerprint information converted into the input personal information and image data to the communication system 18, the communication system 18 is a communication network ( By using the 14) to the card company main system 13 to perform the use approval process sequentially from the above 32 steps.

In addition, the electronic payment system and the method using the fingerprint according to an embodiment of the present invention is not limited to the above-described embodiment and can be modified in various ways without departing from the technical gist of the invention.

The present invention uses a fingerprint that is different for every person, one of the physical characteristics of the person, and does not change forever unless damaged, but can be carried out by changing and modifying the eyes, skin, hair and the like.

The present invention made as described above is used in the case of performing the approval and credit settlement based on the fingerprint stamped on the fingerprint plate of the credit card, and storing the location information of the fingerprint of the earliest seal, when the fingerprint of the same location information is transmitted later. By disallowing approval, additional use is not possible based on one-time use approval, and it is possible to completely prevent illegal use by others because the use of fingerprints determines whether to use it.

In addition, in addition to the card reader with a fingerprint reader, the merchants of the card company can execute the use approval and credit settlement procedures using various communication equipment such as a personal computer or a portable terminal.

Even when a user purchases an item without a credit card, the user can obtain an effect of performing the approval and credit settlement process through a fingerprint plate and a key button provided in the use approval terminal.

Claims (4)

An electronic payment system comprising a card company and a plurality of merchants for performing use approval and credit settlement using a fingerprint; A credit card 20 having a coated fingerprint plate 21 having an easy fingerprint stamp on the upper main portion and a magnetic tape 22 on which a personal information is recorded; The card company includes a data input unit 11 for inputting personal information and fingerprint information of a subscriber, a database 12 for registering and storing personal information and fingerprint information as data, and personal information and fingerprint input from the data input unit 11. Store the information in the database 12, store and compare the location information of the fingerprint on the basis of personal information analysis and image data transmitted from the merchant through a communication network 14, such as a wired or switched network or use of the merchant A main system 13 for performing usage approval and credit settlement according to the approval request; The affiliated store is provided with a fingerprint plate 153 for stamping a fingerprint directly by the user on one side of the upper plate, and a fingerprint recognition device 152 for recognizing a fingerprint stamped on the credit card 20 at the main portion of the card insertion unit 151. The card reader 15 converts the fingerprint information recognized by the fingerprint recognition device 152 into image data and outputs it together with the personal information recorded on the magnetic tape 22, and the communication network 14 and the card reader ( 15) Electronic payment system using a fingerprint, characterized in that it comprises a communication network connection device 19 for connecting The method of claim 1, In the affiliated store, a personal computer 16 having a fingerprint plate 161 is further configured on one side of the keyboard or the main body, The electronic payment system using a fingerprint, characterized in that the use approval and credit settlement is made by connecting to the card company main system (13) through the communication network (14). The method of claim 1, The affiliated store further comprises a portable terminal 17 provided with a fingerprint plate 171 at the inner side of the flip cover or one main portion of the display window. And a communication system 18 for wirelessly transmitting data transmitted from the portable terminal 17 to the card company main system 13 through the communication network 14 and wirelessly transmitting the received data to the portable terminal 17. Electronic payment system using a fingerprint, characterized in that configured. A credit card 20 provided with a fingerprint plate 21; A card company comprising a data input unit 11, a database 12, and a main system 13 for performing use approval and credit settlement according to a use approval request of an affiliated store; Communication network connection device 19 for connecting to the card company main system 13 through the card reader 15 and the communication network 14 provided with the fingerprint plate 153, fingerprint recognition device 152 and card insertion unit 151 In the electronic payment method using a fingerprint consisting of an affiliated store consisting of; A first step of inputting and registering new subscriber's personal information and fingerprint information; A second step of fingerprinting the fingerprint plate 21 of the credit card 20 after the user purchases the article; Inserting the credit card 20 into the card insertion unit 151 of the card reader 15, stopping for a predetermined time, and then lowering the credit card 20 downward to read fingerprint information and personal information; ; A fourth step of converting the fingerprint information read through the card reader 15 into image data and transmitting the fingerprint information to the card company main system 13 through the communication network 14 connected to the communication network connection device 19 together with the personal information; The card company main system 13 executes an authentication procedure based on the transmitted image data and personal information, and simultaneously reads the personal information and fingerprint data of the subscriber registered in the database 12 and transmits the personal information and image data. A fifth step of comparing with; In the fifth step of comparing the personal information and the image data, if the result of the comparison does not match, the non-use approval message is sent to the card reader 15, and the process returns to the third step. A sixth step of storing the fingerprint form and location information of the returned image data and determining whether there is previously stored fingerprint location information; A seventh step of transmitting a usage approval message to the card reader 15 and performing a normal credit settlement procedure if the previously stored fingerprint location information does not exist; If the pre-stored fingerprint location information exists, compared with the fingerprint location information of the transmitted image data, and if it does not match, perform the seventh step, and if the match is matched with the fingerprint location information duplication of the credit card 20 And an eighth step of returning to the third stage at the same time as transmitting the non-use approval message which prevents the use to the card reader (15).