KR20020012889A - Apparatus For Inquire Of A Credit Card Using Cognition Of A Signature And Its Method - Google Patents

Abstract

PURPOSE: An apparatus and method for referring a credit card using a signature recognition is provided to protect personal property and information by raising a security level using signature information on electronic commerce based on a web. CONSTITUTION: A credit card reading unit(201) reads a magnetic tap of a credit card and extracts member information on a credit card user. A key input unit(202) receives an input of a key for connecting to a credit card company. A signature input unit(203) receives the credit card user's signature. A signature data processing unit(204) extracts characteristics of signatures from signature data inputted. A transmitting/receiving unit(206) transmits the member information read from the credit card reading unit(201) and signature data information processed from the signature data processing unit(204) to a service providing system. An output unit(207) displays information inputted from the credit card reading unit(201), the key input unit(202) or the signature input unit(203). A sales ticket printing unit(208) prints a sales ticket. A control unit(208) controls information moving between the units(201,206 or 204,208).

Description

Apparatus For Inquire Of A Credit Card Using Cognition Of A Signature And Its Method}

The present invention relates to a credit card inquiry device and a method thereof.

In the case of the purchase of goods or other payments, the conventional form of transaction, which was paid in cash, has now become commonplace with payment by credit card according to the development of information and communication system. In addition, the use of credit cards is increasing at the government level, and the use of them is increasing day by day, while various cases of credit card loss are also increasing.

First, a process of performing a payment through a general credit card inquiry device in a credit card merchant is briefly described as follows.

When a customer presents a credit card for payment, he first reads certain information stored on the magnetic tape of the credit card. Then, after inputting the number of installment months desired by the customer, a predetermined information read by inquiring by communicating with the credit card company through a credit card inquiry machine is inquired.

That is, the credit card merchant inquires whether the credit card is a suspended credit card or whether the credit card company guarantees the user's credit status and wants to approve this transaction.

As a result of this inquiry, when the transaction is approved, a sales slip with various information including card number, store name, and purchase amount is issued and delivered to the customer. The printed sales slip is signed by the user, owned by the user, the store, and the card company. Done.

At this time, in the conventional method, there is a signature column on the back of the credit card in order to prevent the theft of the credit card due to loss or theft. Doing.

However, most credit card users do not sign the signature box on the back of the credit card, and even if the user signs, the credit card merchant does not compare the signature of the sales slip with the signature column as described above. For this reason, there is a problem that in many cases, the right of the right user cannot be protected when the credit card is lost or stolen.

In addition, even when confirming the signature of the sales slip and the signature column, it is difficult to accurately determine the authenticity since it is only confirmed by the naked eye, and in most cases, there is a problem that it is only formal confirmation.

In other words, the conventional credit card inquiry method as described above does not provide a method for accurately determining whether the user is a valid credit card user. There is a problem that the rights of the card user cannot be guaranteed.

An object of the present invention is to provide a credit card inquiry apparatus and method using signature recognition for verifying the identity of a credit card user through online signature recognition.

1 is a flowchart illustrating an embodiment of an information communication system to which the present invention is applied.

2 is a block diagram of an embodiment of a credit card inquiry apparatus using signature recognition according to the present invention.

Figure 3 is a flow diagram of an embodiment of a credit card inquiry method using a credit card inquiry apparatus using signature recognition according to the present invention.

Explanation of symbols on the main parts of the drawings

110: credit card inquiry device 120: network

130: service providing system 201: credit card reader

202: key input unit 203: signature input unit

204: Signature data processing unit 205: Control unit

206: transceiver unit 207: output unit

208: sales slip printing

According to an aspect of the present invention, there is provided a credit card inquiry apparatus using a signature recognition applied to an information communication system, comprising: credit card reading means for reading a magnetic tape of a credit card to extract member information of a credit card user; Signature processing means for receiving a signature of a credit card user and extracting features for the signature; Transmitting and receiving means for transmitting the member information read by the credit card reading means, the signature data information processed by the signature processing means, and the transaction approval request information to a credit card company, and receiving information transmitted from the credit card company; Output means for outputting a result of performing a function in at least one of the reading means, signature processing means, and transmission / reception means, and outputting a sales slip when a transaction approval notice is transmitted from the credit card company; And control means for controlling movement information between the respective means.

In addition, the present invention is a credit card inquiry method using a credit card inquiry device using a signature recognition, in the case of receiving a membership registration from credit card users wish to receive the personal information and signature from each of the applicants, A first step of constructing and managing information and signatures into a database; Compare the signature information and the credit card information of the user sent from the credit card checking device with the personal information and the signature information established in the database to determine whether the signature sent from the credit card checking device is the signature of the legitimate user of the credit card. Confirming the second step; And a third step of paying the credit card use amount if the signature of the legitimate user is a result of the verification in the second step and transmitting the same to the credit card inquiry device.

The present invention relates to real-time identification of a credit card user, and when a user wants to pay with a credit card for expenses such as purchase of goods, the signature data stored in the server of the credit card company and the signature data at the time of the credit card transaction are compared online. By checking the user's identity in real time, it aims to secure personal information and credit card transactions.

In particular, the present invention does not perform conventional offline signature recognition, i.e., recognition of the shape of an image already signed, but uses personal information such as signature order, speed, and shape of the signature using a touch screen for identification. Reliability was improved in confirmation.

To this end, the credit card inquiry apparatus according to the present invention transmits data on the signature in addition to the information recorded on the magnetic tape of the credit card, and the credit card company permits the transaction by comparing the signature data of the user stored in the server in real time. Done.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to FIGS. 1 to 3.

1 is a flowchart illustrating an embodiment of an information communication system to which the present invention is applied.

As shown in the figure, an information communication system to which the present invention is applied includes a credit card inquiry apparatus 110 for reading credit card usage information and a signature of a credit card user, signature information transmitted from the credit card, and membership registration. It is composed of a service providing system 130 for determining whether the input user's signature is matched and notifies the result, and a network 120 for communication connection between the credit card inquiry device and the service providing system.

At this time, the credit card inquiry device 110 is not only to read the credit card, but also to read the signature of the credit card user, the configuration is as shown in Figure 2, will be described in detail with reference to FIG.

In addition, the service providing system 130 refers to a system of a credit card company, and compares the credit card information transmitted from the credit card inquiry apparatus 110 and the signature of the credit card user with the member information managed by the member management unit. In the case of the user's signature, payment of the credit card is normally performed. To this end, the service providing system is connected to the network 120, the interface 131 for exchanging information with the credit card inquiry device 110, the member management unit 133 for managing personal information and signature information for credit card users ), The signature verification unit 134 for verifying the same user by comparing the signature information transmitted from the credit card inquiry device with the signature information stored in the member management unit, and if it is confirmed that the legitimate user is a valid user, Payment unit 135 for paying the user's credit card according to the amount sent from the inquiry device, a message for confirming that the user is a legitimate user, along with a message for transmitting information about the amount paid from the payment unit to the credit card inquiry device And a control unit 132 for controlling the movement information between the branch unit 136 and the interface and the respective units 133 to 136. The.

FIG. 2 is a configuration diagram of a credit card inquiry device using signature recognition according to the present invention, which is a detailed configuration diagram of the credit card inquiry device 110 of FIG.

As shown in the figure, the credit card inquiry apparatus according to the present invention reads the magnetic tape of a credit card and extracts the member information of the credit card user, and operates the credit card reader 201 and the installment month. A key input unit 202 for receiving an input of a number, a key for connecting with a credit card company, a signature input unit 203 for receiving a signature of a credit card user, a shape, a speed, Signature data processing unit 204 for extracting signature features such as stroke order, membership information read from credit card reader and signature data information processed by signature data processing unit are transmitted to service providing system 130 and transmitted from service providing system. Display and use the information input from the transceiver 206, credit card reader, key input unit or signature input unit for receiving information An output unit 207 for outputting a message requesting the user to confirm whether the input operation is successful, re-operation upon input failure, and outputting a message sent from the service providing system, and notifying the transaction approval from the service providing system In this case, it is configured to include a sales slip printing unit 208 for printing the sales slip and a control unit 208 for controlling movement information between the units 201 to 204, 206 to 208.

In this case, the signature input unit 203 uses a touch screen or a tablet. The signature input unit 203 and the signature data processing unit 204 perform the most essential functions of the present invention. The signature input unit 203 and the signature data processing unit 204 are used to receive the user's signature using the touch screen and transmit the information, as well as the shape of the signature from the input signature. By extracting various information such as speed, stroke order, and so on, it provides data for judging whether the user is a legitimate user. That is, the signature input unit 203 and the signature data processing unit 204 are signature processing units that receive a user's signature and perform a function for processing the feature.

3 is a flowchart illustrating an example of a credit card inquiry method using a credit card inquiry apparatus using signature recognition according to the present invention.

First, a service providing system (credit card company) (hereinafter, simply referred to as "credit card company") 130 receives a signature as well as personal information when receiving membership from credit card users. The input personal information and signature are constructed in a database and managed by the member management unit 133 (302).

Through the above process, the user who inputs his / her personal information and signature to a credit card company and subscribes as a member can purchase goods at a merchant of the credit card and pay with a credit card. In this case, the credit card user (hereinafter, simply referred to as a "user") presents the credit card and inputs his / her signature input during membership registration into the signature input unit 203 of the credit card inquiry apparatus 110 (304).

The signature data processing unit 204 extracts signature characteristics such as the shape, speed, and stroke order of the signature inputted through the signature input unit (touch screen) 203, and the credit card reader 201 stores the magnetic tape of the credit card. Information is extracted (306). In this case, when an error occurs, an error message is output through the output unit 207 and input again.

In the control unit 205, the credit card information read from the credit card reader 201, the signature information extracted from the signature data processing unit 204, the type of transaction input through the key input unit 202, and a credit card transaction approval request message. Etc., causing the transmitting unit 206 to transmit to the credit card company 130 (308).

The control unit 132 of the credit card company 130 receiving the transaction approval request extracts the signature information of the user from the member manager 133 by using the user information transmitted from the credit card inquiry device 110 (the credit card inquiry device ( The signature is transmitted to the signature verification unit 134 together with the signature information transmitted from the 110. The signature verification unit 134 compares the two signature information (the signature information sent from the credit card inquiry device and the signature information sent from the member manager) to compare whether the signature sent from the credit card inquiry device is a signature by a legitimate user. Verify (310).

In this case, a verification method and a security level method may be used by verifying a difference between signature verification thresholds. In addition, the verification of the signature is not only performed on the image information already signed, but also the reliability of signature recognition can be improved by using a method of verifying the characteristics of the credit card user's signature speed, acceleration, and the like. That is, the credit card company 130 verifies the signature characteristic information and the received signature information stored in the member management unit 133 according to the security level to verify the identity of the credit card user.

When the verification result confirms that the credit card user is a legitimate user, the control unit 132 transmits the transaction approval result to the credit card inquiry apparatus 110 (312). The card is sent to the credit card inquiry apparatus (314).

Receiving a notification of whether the transaction is approved by the credit card company 130, the credit card inquiry device outputs the result through the output unit 207. In this case, when the transaction approval notice is received, the transaction details are output through the sales slip printing unit 208 (316).

The present invention described above is capable of various substitutions, modifications, and changes without departing from the spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited to the drawing.

As described above, the present invention not only obtains the reliability of the user's identity by using an online verification method by inputting a signature in verifying the identity of the credit card user, but also makes it possible to verify the same when the credit card is used. Excellent effect.

In addition, the present invention has an excellent effect of protecting personal property and information by increasing the level of security by using signature information using a touch screen or tablet installed in a terminal in an increasing number of web-based electronic commerce.

In addition, the present invention may bring a side effect of digitally documenting and managing sales slips of credit card companies and affiliate stores by performing electronic signature using a touch screen.

Claims (5)

A credit card inquiry apparatus using signature recognition applied to an information communication system, Credit card reading means for reading the magnetic tape of the credit card to extract member information of the credit card user; Signature processing means for receiving a signature of a credit card user and extracting features for the signature; Transmitting and receiving means for transmitting the member information read by the credit card reading means, the signature data information processed by the signature processing means, and the transaction approval request information to a credit card company, and receiving information transmitted from the credit card company; Output means for outputting a result of performing a function in at least one of the reading means, signature processing means, and transmission / reception means, and outputting a sales slip when a transaction approval notice is transmitted from the credit card company; And Control means for controlling movement information between the means Credit card inquiry device using a signature recognition comprising a. The method of claim 1, The signature processing means, Signature input means for receiving a signature of the credit card user; And Signature data processing means for extracting at least one feature of signature, speed, and stroke order from signature data input through the signature input means; Credit card inquiry device using a signature recognition comprising a. The method of claim 2, The signature input means, Credit card inquiry device using a signature recognition, characterized in that implemented as a touch screen or tablet. A credit card inquiry method using a credit card inquiry apparatus using signature recognition, A first step of receiving personal information and a signature from each applicant when receiving membership from credit card candidates, and constructing and managing the input personal information and signature into a database; Compare the signature information and the credit card information of the user sent from the credit card inquiry device with the personal information and signature information established in the database to determine whether the signature sent from the credit card inquiry device is the signature of the legitimate user of the credit card. Confirming the second step; And A third step of paying the credit card use amount if the signature of the legitimate user is confirmed as the second step and transmitting the result to the credit card inquiry device; Credit card query method comprising a. The method of claim 4, wherein The method for confirming whether the signature of the legitimate user of the second step is performed includes at least one of signature information, speed, and stroke order of the signature information transmitted from the credit card inquiry apparatus and the signature information constructed in the database. Credit card inquiry method characterized in that to check any one of the information compared.