KR20020023310A - Method and apparatus for settlementing using biometrics - Google Patents

Abstract

PURPOSE: A system and a method for processing a payment through biometrics are provided to promote convenience and security of payment by executing the payment through biometrics in every place occurring a payment. CONSTITUTION: The system comprises a plurality of biometric terminal(110,120,..,100+N) transmitting the biometric data to an authentication center(300) after scanning the biometrics and converting into data, a relay(200) transmitting the data transmitted from the biometric terminal to the authentication center and transmitting the authentication data transmitted from the authentication center to the biometric terminal, and the authentication center(500) executing the authentication by comparing the received biometric data with the biometric data previously stored in a database and transmitting the authentication result to the biometric terminal, each bank(400) and various credit card company(500). The biometric terminal comprises a biometrics scanner, a biometrics, a coder, an encoder, a data compression part, a data transmitter, a data recovery part and a display.

Description

Apparatus and method for settlement through biometrics {Method and apparatus for settlementing using biometrics}

The present invention relates to a payment processing device and its method through biometrics, more specifically, the living body (face) in all places where the payment is made (department stores, large marts, nightlife restaurants, public offices, parking lots, public transportation, etc.) , Iris, retina, palmistry, fingerprints, fingerprints, vein recognition, DNA, etc.) to perform the payment by the recognition, and to the payment processing device through the biometrics to promote the convenience and safety for payment.

In general, the method of processing payment at a place where payment is made (for example, department stores, large marts, nightlife restaurants, public offices, parking lots, public transportation, movie theaters, etc.) Payment methods, payment methods using a wireless communication device (very limited to a few) predominantly.

Among them, the payment method through cash, because the user has to carry a lot of cash when a large amount of payment is a risk, and inconvenient in many ways.

In addition, there are some places where the service is convenient only when a large amount of money (for example, coins) is secured in advance for cash payment. In this case, inconvenience for securing a small amount has occurred.

In addition, the payment method using the card is inconvenient that the customer should always carry the card, and where payment is made, request the approval to the relevant institution using the customer's card, and when the approval is made after a certain time, the payment is made. Discomfort followed. In addition, when the card is lost, complicated procedures such as stopping the card and issuing a new card are complicated, and when another person only knows the password, there is a disadvantage that the card can be used at any time by stealing the card.

In addition, a payment method using a wireless communication device (for example, a cellular phone, a personal mobile communication terminal, a PDA) has a disadvantage in that there are very few places where payment is performed using a wireless communication device. There is a disadvantage that can be used by stealing, and also frequent inconveniences due to frequent failures.

Accordingly, the present invention is proposed to solve the above problems of the prior art,

The object of the present invention, living body (face, iris, retina, palmistry, foot prints, fingerprints, vein recognition, DNA, etc.) in all places where the payment is made (department stores, large marts, nightlife restaurants, public offices, parking lots, public transportation, etc.) The present invention provides a payment processing device and method through biometrics that allow the payment to be performed through recognition, thereby facilitating the convenience and safety of the payment.

"Billing treatment apparatus through biometrics" according to the present invention for achieving the above object,

A biometric terminal that scans a living body upon request for payment and transmits the data to the authentication center, outputs a screen corresponding to the authentication result data transmitted from the authentication center, and simultaneously performs the payment;

And an authentication center for performing authentication by comparing biometric data transmitted from the biometric terminal with biometric data previously stored in a database, and transmitting the performed authentication result data to the biometric terminal and the corresponding bank or card company. It is done.

In the above "the payment processing apparatus through biometrics" according to the present invention,

And a relay device for transmitting the data transmitted from the biometric terminal to the authentication center and transmitting the authentication data transmitted from the authentication center to the biometric terminal.

In addition, the biometric terminal,

A biometric scan unit which scans a living body of a user requesting a payment;

A biometric unit configured to recognize the scanned biometric body;

An encoding unit encoding the bio signals recognized by the biometric unit;

An encryption unit for encrypting the biometric data coded by the encoding unit;

A data compressor for compressing the biometric data encrypted by the encryption unit;

A data transmission unit for transmitting the biometric data compressed by the data compression unit to the authentication center, and receiving the authentication data transmitted from the authentication center;

A data recovery unit for restoring authentication data received by the data transmission unit to original data;

And a screen output unit configured to display the authentication result data restored by the data recovery unit on a screen.

In addition, the authentication center,

A communication interface unit connected to a communication network to receive biometric data and to transmit authentication result data;

A compressed data decompressing unit which decompresses the biometric data received by the communication interface unit;

A data decompressor for restoring the biometric data decompressed by the compressed data decompressor to original data;

A customer authentication unit which compares the biometric data restored by the data restoration unit with biometric information stored in the customer biometric information database (DB), checks whether they match, and outputs authentication data corresponding to the verification result;

A data compression unit for compressing authentication data output from the customer authentication unit;

And converting the authentication data output from the data compression unit according to the transmission format and transmitting the converted data to the communication interface unit.

"Billing treatment method through biometrics" according to the present invention for achieving the above object,

In the payment processing method of the payment system consisting of a biometric terminal for recognizing the biometrics of the customer requesting the payment, the authentication center for authenticating the customer and transmitting the authentication result to the biometric terminal,

The biometric terminal,

Performing biometric scan and recognition of a user requesting a payment, and encoding and encrypting the recognized biometric data;

Compressing the encrypted biometric data and transmitting the compressed biometric data to the authentication center;

And after receiving the result data transmitted from the authentication center, displaying the authentication result data on the screen so that the user can perform the following operation.

"Billing treatment method through biometrics" according to the present invention for achieving the above object,

In the payment processing method of the payment system consisting of a biometric terminal for recognizing the biometrics of the customer requesting the payment, the authentication center for authenticating the customer and transmitting the authentication result to the biometric terminal,

The certification center,

Receiving the biometric information, decompressing and restoring the original data and checking whether the received biometric information exists in the customer biometric information database;

If the received biometric information does not exist in the customer biometric information database as a result of the check, determining to be a non-member and generating authentication data indicating the non-member and compressing the biometric information;

If the received biometric information is present in the customer biometric information database as a result of the check, judging as a normal customer and generating authentication data informing of this, compressing and transmitting the biometric information to the biometric terminal and the corresponding bank or card company. It is characterized by.

1 is a block diagram showing the configuration of a payment processing device through biometrics according to the present invention,

2 is a block diagram showing an embodiment of the biometric terminal of FIG.

3 is a block diagram showing an embodiment configuration of the authentication center of FIG.

4 is a flowchart illustrating an operation process of a biometric terminal in a payment processing method through biometrics according to the present invention;

5 is a flowchart illustrating an operation process of an authentication center in a payment processing method through biometrics according to the present invention.

<Explanation of symbols for main parts of the drawings>

100 ..... biometric terminal

110, 120, 100 + N ..... biometric terminal

111 ..... biometric scanning unit

112 ..... biometrics

114 ..... Encryption

115 ..... Data Compression

116 ..... Data Transmission

200 ..... Repeater

300 ..... Certification Center

302 ..... Compression Data Extension

304 ..... Customer Biometrics Database

305 ..... Customer Certification

Hereinafter, described in detail with reference to the accompanying drawings, preferred embodiments of the present invention according to the technical spirit as described above.

Example 1

1 is a block diagram showing the configuration of a payment processing device through biometrics according to the present invention.

Here, reference numeral 100 denotes a plurality of living bodies that scan a living body and convert the data into data and transmit the data to the authentication center 300, output a screen corresponding to the authentication result data transmitted from the authentication center 300, and simultaneously process the payment. A biometric terminal portion including recognition terminals 110, 120, ..., 100 + N is shown, and reference numeral 200 is interposed between the biometric terminal portion 100 and the authentication center 300 to provide the biometric terminal portion. The relay device transmits the data transmitted from the recognition terminal unit 100 to the authentication center 300 and transmits the authentication data transmitted from the authentication center 300 to the biometric terminal unit 100. Reference numeral 300 denotes authentication by comparing biometric data transmitted from the relay device 200 with biometric data previously stored in a database, and performing the biometric recognition of the performed authentication result data. It shows the authorization center for transmitting to the base end 100 and a variety of bank 400 or various kinds of card companies 500. The

The operation of the payment processing apparatus through biometric recognition according to the present invention configured as described above will be described in detail with reference to FIGS. 2 and 3.

First, the present invention can be connected between the biometric terminal and the authentication center in a wired or wireless manner, the relay device is implemented as a wired relay device in the case of a wired method, and a wireless relay device (for example, a base station) in the case of a wireless method. Is implemented. In the present invention, only the relay device is used without distinguishing between wired and wireless.

And since the configuration and operation of a plurality of biometric terminals (for example, 110, 120, ..., 100 + N) constituting the biometric terminal unit 100 is the same, hereinafter, one biometric terminal 110 Explain only about.

As shown in FIG. 2, the biometric terminal 110 includes a biometric scanning unit 111 for scanning a living body of a user (customer); A biometric unit 112 that recognizes the scanned biometric body; An encoding unit 113 for encoding the biosignal recognized by the biometric unit 112; An encryption unit 114 for encrypting the biometric data coded by the encoding unit 113; A data compression unit 115 for compressing the biometric data encrypted by the encryption unit 114; A data transmission unit (116) for transmitting the biometric data compressed by the data compression unit (115) to the authentication center (300), and receiving the authentication data transmitted from the authentication center (300); A data recovery unit (117) for restoring the authentication data received by the data transmission unit (116) to original data; The screen output unit 118 displays the authentication result data restored by the data recovery unit 117 on a screen.

Biometric terminal 110 according to the present invention configured as described above, the customer performs shopping in the place where the payment (for example, department stores, large marts, parking lots, public transport, restaurants, etc.) and the like to first need goods In order to purchase or pay a parking fee or a transportation cost, when a specific living body previously contracted to the biometric scanning unit 111 of the biometric terminal 110 is approached, the biometric scanning unit 111 scans the biometric to recognize it. Passed to section 112.

Herein, the predetermined living body is a face, an iris, a retina, a palmistry, a fingerprint, a foot print, a DNA, and the like. In the present invention, the user does not designate any one of the contracted living bodies, and the user scans the living body 111. User authentication can be freely performed according to any living body to be approached.

The biometric unit 112 recognizes the scanned biosignal and transfers it to the encoding unit 113. The encoding unit 113 converts the transmitted biosignal into a code corresponding thereto. The biometric data converted into the code is transmitted to the encryption unit 114, and the encryption unit 114 encrypts the transmitted biometric data and then transfers the biometric data to the data compression unit 115.

The data compression unit 115 compresses and transmits the transmitted bio data to the data transmission unit 116, and the data transmission unit 116 transmits the bio data to the relay device 200 through a connected communication line. do. Here, the data transmitter 116 may transmit data by wireless or wired.

The relay device 200 transmits the biometric data transmitted from the biometric terminal 110 to the authentication center 300, and interfaces the authentication result data transmitted from the authentication center 300 to transmit the data. It sends to the unit 116.

The data transmission unit 116 transmits the received authentication result data to the data restoration unit 117, and the data restoration unit 117 restores the transmitted data to the original data and then outputs the screen output unit 118. To pass). Then, the screen output unit 118 displays the transmitted authentication result data on the screen, and the service agent performs the following operation after viewing the screen.

For example, if the authentication data indicates that the customer is a normal customer, the payment is performed immediately. In contrast, if the authentication data indicates the non-member, the following operation is not performed.

Meanwhile, the authentication center 300 compares the biometric information transmitted through the relay device 200 with the biometric information stored in the customer biometric information database to authenticate the customer.

3 is a diagram illustrating an embodiment of the authentication center 300.

As shown therein, a communication interface unit 301 connected to a communication network for receiving biometric data and transmitting authentication result data; A compressed data decompressor 302 which decompresses the biometric data received by the communication interface 301; A data recovery unit (303) for restoring the biometric data decompressed by the compressed data extension unit (302) to original data; The customer authentication unit which checks whether the biometric data restored by the data restoration unit 303 and the biometric information stored in the customer biometric information database (DB) 304 match and outputs the authentication data corresponding to the verification result. 305; A data compression unit 306 for compressing transmission authentication data output from the customer authentication unit 305; A data transmitter 307 converts the transmission data output from the data compression unit 306 according to a transmission format and transfers the data to the communication interface unit 301.

The authentication center 300 configured as described above receives the biometric information transmitted from the ATM machine 301 in the communication interface unit 301 and delivers the biometric information to the compressed data decompressing unit 302. 302 decompresses the transmitted data and delivers it to the data recovery unit 303.

The data restoration unit 303 restores the transmitted data to the original data and delivers the data to the customer authentication unit 305, and the customer authentication unit 305 transmits the biometric information and the customer transmitted from the biometric terminal 110. The biometric information stored in the biometric information database (DB) 304 is compared to check whether the transmitted biometric information is stored in the customer biometric information database 304.

Thereafter, authentication data corresponding to the check result is generated and transferred to the data compression unit 306. Here, the authentication data is roughly divided into authentication data indicating a normal customer and authentication data indicating a non-member.

The data compressing unit 306 compresses the input authentication data according to a pre-built compression algorithm, and the data transmitting unit 307 converts the compressed transmission data into a transmission format and then transmits the compressed data to the communication interface unit 301. By transmitting, the authentication data is transmitted to the biometric terminal 110.

If the customer is authenticated using such a biometric method, the customer may be able to solve the inconvenience of carrying a card or cash as in the past, and in addition, the inconvenience and risk factors associated with the loss of the card or the loss of the wireless communication device may be delayed. In addition, there is an advantage that can solve the problems associated with the password theft in advance.

Example 2

4 is a flowchart illustrating an operation process of the biometric terminal 110 in the payment method through biometrics according to the present invention.

As shown therein, performing biometric scanning and recognition, and encoding and encrypting the recognized biometric data (S101 to S102); Compressing the encrypted biometric data and transmitting the compressed biometric data to the authentication center (S103 ˜ S104); After receiving the result data transmitted from the authentication center 300, displaying the authentication result data on the screen so that the user can perform the next operation (S105, S107, S108), and from the authentication center 300 If the result data is not received, the step is made to wait (S106).

In the biometric terminal 110, the payment processing process through the biometric recognition is performed. First, biometric recognition is performed in step S101, and the biometric data recognized in step S102 is encoded and encrypted. The biometric data encrypted in step S103 is compressed, and the compressed biometric data is transmitted to the authentication center 300 in step S104.

Thereafter, in step S105, it is checked whether the authentication result data is received from the authentication center 300. If the result data is not received, the process moves to step S106 to maintain the standby state. Otherwise, if the result data is received, step S107. Go to and retrieve the received data. Subsequently, in step S108, it is checked whether the received authentication data is data that authenticates the customer. If the result is no customer authentication, the process moves to step S109 and displays the non-customer authentication content on the screen.

On the other hand, if it is determined that the received authentication data is the data for authenticating the customer or the registered customer, the process moves to step S110 to perform the payment process.

Figure 5 is a flow chart showing the operation of the authentication center of the payment processing method through biometrics according to the present invention.

As shown therein, when receiving the biometric information, decompressing and restoring the original data and checking whether the received biometric information exists in the customer biometric information database (S201 to S204); If the received biometric information does not exist in the customer biometric information database as a result of the check, judging it as a non-member and generating authentication data indicating this, compressing and transmitting the compressed data to the cash dispenser (S205, S206 to S207, S210 to S211). Wow; When the biometric information received as a result of the check exists in the customer biometric information database, it is determined as a normal customer, and after generating authentication data informing of this, compressing and transmitting the biometric information to the biometric terminal (S205, S208 to S211). .

In the payment processing method through biometric recognition in the authentication center 300 configured as described above, when biometric information is first received in step S201, the compressed biometric data is decompressed in step S202, and the compression is released in step S203. The biometric data is restored to the original data. Thereafter, it is searched whether the biometric information received in step S204 exists in the customer biometric information database. In step S205, check whether the received biometric information exists in the customer biometric information database. If the biometric information does not exist, go to step S206, determine as a non-member, and generate non-authentication data corresponding to the non-member in step S207. . Thereafter, after the authentication result data generated in step S210 is compressed, the authentication result information is transmitted to the corresponding biometric terminal in step S211.

In step S205, if the received biometric information is present in the customer biometric information database, if it exists, the method moves to step S208 to determine that it is a normal customer, and in step S209, generates authentication result data corresponding to a normal customer. do. Thereafter, after the authentication result data generated in step S210 is compressed, the authentication result information is transmitted to the corresponding biometric terminal in step S211.

According to the "payment processing apparatus and method through the biometric recognition" according to the present invention described above in the above, the payment is performed by the biometric method at the time of payment, the inconvenience that the customer must always carry a card or cash as before There is an advantage that can be eliminated.

In addition, it is possible to prevent the inconvenience and risk factors associated with the loss of cash or the loss of the card in advance, and also has the advantage that can solve all the problems caused by the password theft of the card in advance.

In addition, there is an advantage to facilitate the payment process can be easily disabled people with a lot of difficulties in daily life than the general public.

Claims (5)

A biometric terminal that scans a living body upon request for payment and transmits the data to the authentication center, outputs a screen corresponding to the authentication result data transmitted from the authentication center, and simultaneously performs the payment; A relay device which transmits the data transmitted from the biometric terminal to the authentication center and transmits the authentication data transmitted from the authentication center to the biometric terminal; And performing authentication by comparing biometric data transmitted from the biometric terminal with biometric data previously stored in a database, and transmitting the authentication result data to the biometric terminal and a corresponding bank or card company. Payment processing device through biometrics, characterized in that. The method of claim 1, wherein the biometric terminal, A biometric scan unit which scans a living body of a user requesting a payment; A biometric unit configured to recognize the scanned biometric body; An encoding unit encoding the bio signals recognized by the biometric unit; An encryption unit for encrypting the biometric data coded by the encoding unit; A data compressor for compressing the biometric data encrypted by the encryption unit; A data transmission unit for transmitting the biometric data compressed by the data compression unit to the authentication center, and receiving the authentication data transmitted from the authentication center; A data recovery unit for restoring authentication data received by the data transmission unit to original data; And a screen output unit configured to display the authentication result data restored by the data restoration unit on a screen. The method of claim 1, wherein the authentication center, A communication interface unit connected to a communication network to receive biometric data and to transmit authentication result data; A compressed data decompressing unit which decompresses the biometric data received by the communication interface unit; A data decompressor for restoring the biometric data decompressed by the compressed data decompressor to original data; A customer authentication unit which compares the biometric data restored by the data restoration unit with biometric information stored in the customer biometric information database (DB), checks whether they match, and outputs authentication data corresponding to the verification result; A data compression unit for compressing authentication data output from the customer authentication unit; And a data transmission unit configured to convert the authentication data output from the data compression unit according to a transmission format and transmit the authentication data to the communication interface unit. In the payment processing method of the payment system consisting of a biometric terminal for recognizing the biometrics of the customer requesting the payment, the authentication center for authenticating the customer and transmitting the authentication result to the biometric terminal, The biometric terminal, Performing biometric scan and recognition of a user requesting a payment, and encoding and encrypting the recognized biometric data; Compressing the encrypted biometric data and transmitting the compressed biometric data to the authentication center; And after receiving the result data transmitted from the authentication center, displaying the authentication result data on the screen so that the user can perform the following operation. In the payment processing method of the payment system consisting of a biometric terminal for recognizing the biometrics of the customer requesting the payment, the authentication center for authenticating the customer and transmitting the authentication result to the biometric terminal, The certification center, Receiving the biometric information, decompressing and restoring the original data and checking whether the received biometric information exists in the customer biometric information database; If the received biometric information does not exist in the customer biometric information database as a result of the check, determining to be a non-member and generating authentication data indicating the non-member and compressing the biometric information; If the received biometric information is present in the customer biometric information database as a result of the check, judging as a normal customer and generating authentication data informing of this, compressing and transmitting the biometric information to the biometric terminal and the corresponding bank or card company. Payment processing method through biometrics, characterized in that.