KR20020033274A - Sytem for the acceptance of payment through IC typed credit card and identifier of fingerprint - Google Patents

Abstract

PURPOSE: A system for authenticating a credit card payment through an IC card type credit card and a fingerprint recognition device is provided to prevent disputes according to the loss, the robbery and the alteration of credit cards from being occurred by enabling users to simply use the credit cards, and by completely preventing other persons from using the users' cards. CONSTITUTION: A credit card payment authentication system is based on a common payment system connected with a credit card issuing company(S), a member selling store(P) and a main computer(C) of a credit card company. A credit card issuing terminal(CP) of the credit card issuing company(S) is equipped with a credit card issuing fingerprint recognition device(IP1) and an IC type credit card writer(WT). The IC type credit card writer(WT) is controlled by the credit card issuing fingerprint recognition device(IP1) based on subscriber information. A credit card commerce terminal(PP) of the member selling store(P) is connected with a credit card reader(CR) capable of reading an IC type credit card(C2) and an authentication fingerprint recognition device(IP2).

Description

System for approval of credit card and credit card and fingerprint reader {Sytem for the acceptance of payment through IC typed credit card and identifier of fingerprint}

The present invention relates to identity authentication through an IC card and a fingerprint reader, and more particularly, fingerprint information stored in an IC card type credit card embodied as a card type by embedding an IC chip, and a real card through the fingerprint reader in parallel thereto. It is an object of the present invention to provide a technical means for determining whether the card user is the user by comparing the fingerprint information of the user and thereby determining whether the payment is approved.

In recent years, various information-based transactions, especially credit transactions, are expanding the foundation.

In particular, credit transactions based on various types of cards, such as a credit card equipped with a magnetic stripe, an IC credit card, are widely spread, but side effects also have many problems.

Contrary to normal transactions and usage, various types of credit crimes are prevalent, such as acquisition cards, stolen cards, and copying cards. In particular, in recent years, payment of credit cards on the Internet has become commonplace. The damage from information leakage is spreading.

This means that even if the cardholder is not the person, if he knows the card password and can sign a signature similar to the signature on the back of the card, the transaction can be made using a credit card, causing disputes caused by loss, theft, forgery, and forgery. There is a situation.

In addition, credit cards currently in use are open to loss, theft and forgery, so there is always a risk, which is a social imitation crime as well as mental, physical and economic loss caused by the misuse of others.

Therefore, there are problems that the normal use of credit cards is difficult to solve the above-mentioned problems because the transaction is performed only by the manipulation and confirmation of a simple password. .

Therefore, the most suitable method for solving the above-mentioned credit card security of the credit card is to use a part of the body. Among them, the most convenient, quick, accurate and immutable fingerprints are used, that is, the fingerprints for each individual. Because it is different, it is a means of maintaining security without requiring a separate password.

The present invention is to increase the reliability of identity authentication that the conventional credit card payment approval system has a fingerprint reader, IC card type credit card reader, IC card type credit card writer, credit card transaction terminal, credit card issuing terminal By using IC card type credit card, it can increase the credibility of the credit card user's identity, and make it impossible to use other people, and can prevent the loss of the card, theft and forgery, and the dispute. The purpose is to provide.

1 is a perspective view showing an exemplary configuration of an IC card and a fingerprint reader used in the credit card payment approval system through the IC card type credit card and the fingerprint reader of the present invention.

Figure 2 is a schematic flow diagram showing the issuance of credit card in the credit card payment approval system through the IC card type credit card and fingerprint reader of the present invention.

Figure 3 is a schematic flow diagram showing the issuance of a credit card in the credit card payment approval system through the IC card type credit card and fingerprint reader of the present invention.

Figure 4 is an overall configuration diagram showing a credit card issuing system in the credit card payment approval system through the IC card type credit card and fingerprint reader of the present invention.

5 is a schematic configuration diagram showing a credit card transaction system in a credit card payment approval system using an IC card type credit card and a fingerprint reader of the present invention.

Fig. 6 is a flow chart illustrating the transaction system at the time of use of a credit card in the credit card settlement approval system using an IC card type credit card and a fingerprint reader of the present invention in more detail.

7 is a detailed structural diagram showing a transaction of a credit card in a credit card settlement approval system using an IC card type credit card and a fingerprint reader according to the present invention.

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

C: Main computer of credit card company

CP: Credit Card Issuing Terminal

CR: Credit Card Reader

IP1: Fingerprint Reader for Issuing

IP2: Approved Paper Fingerprint Reader

P: Merchant

PP: Trading Terminal

S: credit card issuer

WR: credit card writer

Credit card payment approval system through the IC card type credit card and fingerprint reader of the present invention for achieving the above object:

It is based on a conventional credit card payment system, which is connected to the credit card issuer, the merchants at the point of sale, the numerous unspecified number of credit card merchants in which the transaction actually takes place, and the main computer of the credit card company connecting online therebetween. ;

The credit card issuing terminal of the credit card issuer includes a fingerprint reader for issuing a credit card and an IC type credit card writer which is a credit card printer which controls the fingerprint information based on the corresponding subscriber information. It is configured by connecting data with the main computer.

The credit card transaction terminal at the affiliated retailer is characterized in that the credit card reader for reading the IC card type credit card presented by the customer and the authorization paper fingerprint reader is connected.

The IC card type credit card and the fingerprint card approval system through the fingerprint reader of the present invention will be described in more detail together with the accompanying drawings.

1 is a perspective view showing an exemplary configuration of an IC card and a fingerprint reader used in a credit card payment approval system using an IC card type credit card and a fingerprint reader of the present invention, and FIG. 2 is an IC card type credit card of the present invention. Fig. 3 is a schematic flow diagram illustrating credit card issuance in a credit card settlement approval system through a fingerprint reader, Fig. 3 is a more detailed flow diagram, and Fig. 4 is an overall configuration diagram showing a credit card issuing system.

5 is a schematic configuration diagram showing a credit card transaction system in a credit card payment approval system using an IC card type credit card and a fingerprint reader according to the present invention, and FIG. 6 is a transaction system when using a credit card. Fig. 7 is a detailed structural diagram showing a transaction of a credit card in the card approval system.

1 is a credit card payment approval system through the IC card type credit card and the fingerprint reader of the present invention,

On the basis of the online connection, there is a connection between the credit card issuer (S) and the affiliated retailer (P) at the point of sale, which is a myriad of unspecified number of credit card merchants, in which transactions actually occur, and the main computer (C) of the credit card company connecting therebetween. It is based on the usual credit card payment system.

In the credit card issuing terminal (CP) of the credit card issuer (S), a credit card issuing fingerprint reader (IP1) is provided with a built-in graphic program of ordinary image processing and the like, and recognizes a fingerprint according to a conventional recognition method. IC1, which is a credit card printer controlled by the credit card issuing terminal based on the subscriber information by transmitting the fingerprint reader (IP1) and the fingerprint information to a credit card issuing terminal (CP), which is usually provided to a credit card company. As a type credit card writer (WT), it is manufactured by printing and inputting into an IC card.

The general IC card type credit cards C1 and C2 can store and recognize data of 340 bytes or more by adding personal information and fingerprint information.

The credit card (C1, C2) issued as such a configuration uses the IC card type credit card (C2) presented by the customer to the credit card transaction terminal (PP), which is a computer or a dedicated POS terminal at the actual affiliated retailer (P). A credit card reader (CR) to read and an authorization paper reader (IP2) are connected and operated together.

FIG. 2 is a schematic flowchart showing the issuance of a credit card in the credit card settlement approval system through the IC card type credit card and the fingerprint reader.

When the issuance is started, the basic data of the applicant for issuing the credit card is entered into the credit card issuing terminal (CP) of the credit card issuer (S) (101), and the issuing terminal (CP) uses it as data. And process 102 as information in the

The credit card writer WR is input to the IC card type credit card C1 to print, manufacture 103 and finish.

More specifically, as shown in FIG. 3,

If the credit card issuer wishes to apply for issuance of credit card (501),

Request (502) fingerprint information and personal information as a form of a form description,

Recognition fingerprint information from the issuing terminal (CP) and the credit card issuing fingerprint reader (IP1) is inputted (503) and the personal information is input as text (504) to issue the terminal (CP) and the credit card issuer (S). Is transferred to the main computer of the main computer (C) (505),

The fingerprint information is digitized (506), the information is encrypted (507), and transmitted to the issuing terminal (CP) again, and the credit card writer WR issues an IC type credit card C1.

It is the configuration of FIG. 4 that describes the issuance of an IC type credit card issued in this format in more detail in terms of information flow.

Personal information (303) of the applicant for use of the credit card issuer;

The fingerprint information 301 provided from the credit card applicant by a method such as stamped on the fingerprint reader card paper provided from the credit card applicant is input to the credit card issuing terminal CP through the fingerprint reader 302, respectively.

Through the personal information 306 of the issuing applicant and the input information encryption 307, both are digitized and printed and stored in the credit card writer WR to produce an IC type credit card (C1).

The flow of approval in the case where the credit card C1 manufactured by the above-described method actually applies to the credit card C2 used by the user at the affiliated retailer P to apply for a transaction will be described together with FIG. 5.

If the credit card holder submits a credit card (C2) and requests its use (201),

The credit card transaction terminal (PP) is equipped with a credit card reader (CR) and an authorization paper reader (IP2). Therefore, the information stored from the credit card (C2), the IC card, is used as the credit card reader (CR). Read and collect 202,

Enter the transaction details in the transaction terminal (PP) (203),

Fingerprint information is collected 204 from the approval paper fingerprint reader (IP2) that is also attached,

This fingerprint information is digitized and the fingerprint information stored in the credit card C2 is compared and discriminated (205),

If there is a match, proceed with credit card transaction (206),

If different, it causes the transaction terminal 403 to output the transaction impossible to stop the transaction to stop the confirmation flow respectively.

In more detail, as shown in Figure 6,

When the check operation is started in the transaction terminal 403,

There is a credit card transaction request (601),

The credit card reader (IP2) of the credit card transaction terminal (403) reads and collects the information stored in the credit card (C2), and the store owner of the affiliated retailer (P) enters the credit card transaction history of the transaction (603). ),

In addition, by providing an approval paper fingerprint reader (IP2) to the card holder to recognize the fingerprint to collect fingerprint information (604),

By digitally restoring the data stored in the credit card C2 digitally (605),

After extracting only the fingerprint information from the recovered information (606),

The correspondence between the fingerprint information and the fingerprint information stored in the credit card C2 is read (608).

If there is a match, it connects with the credit card company's main computer (C), transmits and receives information necessary for the transaction (609), proceeds with the corresponding transaction (610),

If it does not match, the transaction is stopped by outputting and notifying 611 that the transaction is impossible.

It is the structure of FIG. 7 that shows this as the flow of digital information.

Recognizing the credit card (C2) presented by the card holder in the credit card reader (CR) (408),

This recognized data and fingerprint information of the credit card holder is requested (401),

When the data recognized 402 by the approval paper reader (IP2) is input into the credit card transaction terminal (PP),

After decrypting the data input through the digital converter 405 and extracting fingerprint information (404),

The fingerprint information is transmitted to the credit card company's main computer (C) and the result is received (410), and the comparison discriminator determines whether the fingerprint information is matched (406). Issuance (409) of receipt of the card is made.

There are three types of fingerprint information that can be submitted when applying for a credit card, either fingerprint information of the same person or fingerprint information of three different persons. However, the transaction can be made only by the fingerprint information submitted at the time of credit card transaction. Even if the credit card requesting party intends to do the transaction using fingerprints different from the fingerprint information submitted at the credit card application, it is not approved. .

As described above, the present invention, which combines a fingerprint recognition system and an IC card type credit card system, is easy to use, has excellent reliability for the result of personal authentication, and is impossible to use by others, so that the card is lost, stolen, and damaged. It is possible to provide an IC type credit card transaction terminal that can prevent the possibility of disputes caused by tampering or the like.

Claims (4)

A credit card issuer (S), a merchant (P) at the point of sale (P), which is a myriad of unspecified number of credit card merchants, in which transactions actually occur, and a credit card company's main computer (C) that connects online therebetween Based on a credit card payment system; The credit card issuing terminal (CP) of the credit card issuer (S) is a credit card issuing fingerprint reader (IP1) for the credit card issuing, and the credit card issuing terminal that the credit card issuing terminal controls the fingerprint information based on the subscriber information IC type credit card writer (WT) is configured by connecting data with the main computer of the credit card company, The credit card transaction terminal (PP) at the affiliated retailer (P) is configured by connecting a credit card reader (CR) for reading an IC card type credit card (C2) presented by a customer and an approval paper fingerprint reader (IP2). Credit card payment approval system using an IC card type fingerprint card and a fingerprint reader, characterized in that it becomes. The method of claim 1, Issuance of the credit card, In the credit card issuing device (CP) of the credit card issuer (S), the basic data of the applicant for issuing the credit card and the fingerprint information of the fingerprint reader (IP1) are inputted. Sending to the main computer of the main computer (C) of the credit card issuer (S), digitizing and encrypting the fingerprint information and sending it back to the issuing terminal (CP) to produce an IC type credit card in the credit card writer A credit card payment approval system using an IC card type credit card and a fingerprint reader. The method of claim 1, When the transaction application for the credit card containing the fingerprint information is requested to use, The card information and the fingerprint information are read by the credit card reader (CR) and the authorization fingerprint reader (IP2) of the credit card transaction terminal (PP), the data input as the digital converter is decrypted and the fingerprint information is extracted. The IC card type credit card, characterized in that to obtain the transaction approval on the basis of the determination in the comparison discriminator whether the fingerprint information is transmitted to the main computer of the credit card company and the result is received. Credit card payment approval system through fingerprint reader. The method of claim 3, wherein When the transaction application for the credit card containing the fingerprint information is requested to use, The card information and the fingerprint information are read by the credit card reader (CR) and the authorization fingerprint reader (IP2) of the credit card transaction terminal (PP), the data input as the digital converter is decrypted and the fingerprint information is extracted. It is possible to obtain a transaction approval based on a result of comparing and comparing only the fingerprint information embedded in the credit card read by the credit card reader (CR) with the fingerprint information input by the approval fingerprint reader (IP2). Credit card payment approval system using IC card type credit card and fingerprint reader.