KR200225017Y1 - Apparatus for credit card commendation use a report human being - Google Patents

Abstract

The present invention is to replace the handwritten signature used to prove the credit card payment facts with biometric information to reduce the hardware burden of the terminal and to improve the inconvenience of information management due to biometric information registration.

The credit card retrieval terminal of the present invention comprises an information input unit comprising a biometric information input unit and a payment information input unit, a data processing unit for processing the information inputted to the information input unit to a server, and transmitting the input information to wired / wireless network data. Wired / wireless network data processing unit for converting the data of the wired / wireless network into information for transferring the data of the wired / wireless network to the data processing unit, and wired / wireless data transmitting / receiving unit for converting the data to be transmitted to the wired / wireless network into an electrical signal or converting the electrical signal into data. It features.

As a result, administrative costs can be reduced and third party usage can be identified at the payment stage.

Description

Credit card search terminal using biometric information {Apparatus for credit card commendation use a report human being}

The present invention relates to a credit card retrieval terminal using biometric information. More specifically, it replaces the handwritten signature used to verify credit card payment with biometric information to reduce the hardware burden of the terminal and to follow the pre-registration of biometric information. It relates to a credit card search terminal that can be effectively applied to improve the inconvenience of management.

At present, payment fact information used for payment fact verification in a credit card retrieval system relies on a handwritten signature method. Since this method is to manage your own handwritten signature as the only factual information along with user registration, you have to keep and manage your handwritten signature for the life of the user. There is a disadvantage. Another aspect is the level of credibility, and if a problem arises, the possibility of an error in the proof remains, since the decision on the fact of the fact must go through a cumbersome referral process such as precise evaluation. Therefore, the fact-proven information by the handwritten signature increases the management cost and has a high possibility of causing a recognition error.

1 is a block diagram of a credit card retrieval apparatus, which includes a credit card input unit 2 for receiving information stored in a credit card 1, a data processing unit 3 for processing information stored in the credit card 1, and data. A wired / wireless network data processing unit 4 for transmitting and processing the data processed by the processing unit 3 at a short distance or a long distance, a wired / wireless data transmission / reception unit 5 for transmitting and receiving data output through wired / wireless network data processing, and data The credit information processing unit 7 and the credit information data display unit which process the wired / wireless network 6 which transmits and receives relayed data, and the data output through the wired / wireless network 6 as a rejection or approval of payment based on the information stored in the credit information server. It consists of (8).

The retrieval device is an alternative that relies on the handwritten signature but omits the identity verification of the signature, and permits the rejection or approval only with the output result of the credit information processing unit 7 based only on the information data registered in the credit information server. It takes the form of. Therefore, except for special cases, whether or not to verify the facts of the operation is omitted.

On the contrary, a method for verifying the fact using biometric information and a technique using the same are known. In this method, the biometric information of the user is pre-registered first, and then the search apparatus is used, where the biometric information means characteristic information that can distinguish each individual extracted from, for example, a fingerprint, an iris, a dorsal vein, and a voice. The currently used biometric information includes fingerprint information, iris information, hand back vein information, and facial recognition information.

Fingerprint information is the most common and miniaturized biometric technology, and there are various types of fingerprint recognition devices such as door locks, fingerprint recognition video phones, and fingerprint recognition mice.

The technology using the iris information is not miniaturized at present, but the equipment for determining the identity of the user through the extraction process of the image feature of the iris is shown.

Technology using the dorsal vein information is shown as a device to determine the identity of the user through the extraction process of image features by taking an infrared camera with a vein pattern.

The technology using voice information is a technology for generating a voiceprint after removing a noise by receiving a user's voice, which is made based on information of the pitch of the voice according to the user's intonation and speaking habits. Linear Predictive Coding (LPC), Hidden Markov Models (HMM), and neural networks are used.

The technology using the face information receives the user's face screen, extracts the face part using neural net, active cantow, mosaic, etc., and then uses the LFA (Local Feature Analysis) algorithm. It is a technology that creates and stores information for use.

However, such technologies that utilize a variety of biometric information, that is, conventional biometric information recognition systems, in spite of the accurate and versatile use of biometric information, can be used only by registering biometric information to be used in advance in the system. There is a burden and hassle to register.

For example, if the fingerprint information is used, a system in which fingerprint information and credit card information are combined may be included, and the fingerprint information may be included in the credit card, or the fingerprint information may be registered in the payment server. You will have a format to use. Therefore, existing credit card holders should be issued with a new card, and the fingerprint card will be re-issued if the fingerprint information is wrong. There is inconvenience, so it is difficult to put it to practical use.

Therefore, the application of simply using biometric information to overcome the limitation of proof of fact through handwritten signature requires considerable reinvestment cost because all current magnetic cards must be replaced or all personal biometric information about card use must be stored as information. Due to the low economic feasibility and complicated procedures, such as the need to re-consider the consent of the individual's biometrics, the technology for using them has not been developed anymore.

Therefore, an object of the present invention is to provide a search terminal that can search for a credit card using biometric information.

Features of the present invention for achieving this purpose,

Credit card input unit that accepts the information stored in the credit card, data processing unit for transmitting the input information contained in the credit card, wired and wireless network data processing unit for transmitting and processing the data processed by the data processing unit at a short or long distance, output through the data processing Credit card search consisting of a terminal comprising a data transmission and reception unit for transmitting and receiving data, and a credit information processing unit for processing the data output from the data transmission and reception unit as payment rejection or approval of payment based on information stored in a credit information server. In the apparatus,

The terminal of the search apparatus,

An information input unit including a biometric information input unit for inputting biometric information separately from the credit card input unit and a payment information input unit;

A data processing unit which processes the information input from the information input unit and transmits the processed information to the payment server;

A wired / wireless network data processing unit for converting the information input from the data processing unit into data of the wired / wireless network or converting the data of the wired / wireless network into information for transferring to the data processing unit;

It is characterized by consisting of a wired and wireless data transmission and reception unit for converting the data to be transmitted to the wired or wireless network to an electrical signal or to convert the electrical signal into data.

1 is a block diagram of a conventional credit card searching apparatus

2 is a block diagram illustrating a credit card search terminal according to the present invention.

3 is a flow chart of the terminal card payment according to the present invention

Figure 4 is a payment server payment card payment flowchart according to the present invention

5 is a flowchart illustrating an example of a method for determining statistical data based on biometric information of the present invention.

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

10: Credit Card 10a: Biological Information

11: credit card input unit 12: biometric information input unit

13: Credit information data display section 14: Data processing section

15: data storage unit 16: wired and wireless network data processing unit

17: wired and wireless data processing unit 18: terminal

19: wired and wireless data transmission and reception unit 20: wired and wireless network data processing unit

21: credit processing unit 22: information storage device

23: payment server 24: payment information input unit

25: information input unit 26: wired and wireless network

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

2 is a block diagram showing a credit card search apparatus according to the present invention, Figure 3 is a credit card input unit 11, biometric information input unit 12, credit information data display unit 13, data processing unit 14 of the search apparatus ), A data storage unit 15, a wired / wireless network data processing unit 16, and a wired / wireless data transmitting / receiving unit 17, the terminal 18 side of the card payment flow chart, Figure 4 is a wired and wireless data transmission and reception unit 19, wired and wireless network data The payment server 23 side card payment flow chart consisting of the processing unit 20, credit information processing unit 21, payment information storage device 22 including credit information and biometric information, Figure 5 is the correct statistical data with biometric information It is a flow chart to judge the recognition.

The card search terminal 18 of the present invention includes a credit card input unit 11 for receiving information stored in the credit card 10 and a data processor 14 for transmitting input information stored in the credit card 10 as shown in FIG. ), A wired / wireless network data processing unit 16 for transmitting and processing the data processed by the data processing unit 14 in a short distance or a long distance, a data transmission / reception unit 17 for transmitting and receiving data output through data processing, and data In the credit card retrieval apparatus comprising a credit information processing unit 20 for processing the data output from the transmitting and receiving unit on the basis of the information stored in the credit information server by the payment rejection or approval of the payment, the biometric information separately from the credit card input unit 11 The information input unit 25 including the biometric information input unit 12 and the payment information input unit 24 for inputting 10a, and the information input from the information input unit 25 are processed to the payment server 23. To the data processing unit 14 and the information input from the data processing unit 14 to the data suitable for relaying the wired or wireless network 26 or to transfer the data of the wired or wireless network 26 to the data processing unit 14. A wired / wireless data processing unit 16 for converting information into information and a wired / wireless data transmitting / receiving unit 19 for converting data to be transmitted to the wired / wireless network 26 into electrical signals or converting electrical signals into data.

As an example of a search apparatus that uses the biometric information 10a and the credit card 10 through FIGS. 2 to 5, first, the terminal 18 inputs the card and biometric information as shown in FIG. 3 (S1). Credit card 10 is inputted through the credit card input unit 11, the credit information, the biometric information 10a is input through the biometric information input unit 12, and the payment information input through the payment information input unit 24 Enter payment information such as payment amount (S2). Credit information, biometric information, payment information entered in this way is temporarily stored in the data storage unit 15.

Then, the card, the biometric information, payment information transmission data transfer unit 14 transfers the credit information, biometric information, payment information stored in the data storage unit 15 to the wired and wireless network data processing unit 16 and wired and wireless network data processing unit 16 Converts the credit information, the biometric information, and the payment information into a data format of the wired / wireless network and passes the data to the wired / wireless data transmission / reception unit 17. The wired / wireless data transmission / reception unit 17 converts the data into an electric signal suitable for each wired / wireless network. Transmit to the network (S3).

Here, the payment approval-related data reception waits for receiving payment approval or payment rejection information from the payment server 23 (S4), and when the payment approval or payment rejection information is received (S5). In the case of approval of payment, the approval of approval is generated and the output is generated. In case of payment refusal, if there is no request for identification, only the reason for payment is rejected.

The payment server 23 passes through the credit information, biometric information, and payment information reception state as shown in FIG. 4, wherein the data sent from the terminal 18 receives the wired / wireless data transmission / reception unit 17 and the wired / wireless network data processing unit 20. Waiting to enter the credit information processing unit 21 through (S7). Then, the card information, the biometric information and the payment information data are received. In this step, the information sent from the terminal 18 is converted into a form for processing by the server (S8).

Thereafter, the card and payment information are processed (S9), and it is determined whether the information is correct. In this process, it is determined whether the card information and the payment information sent from the terminal 18 are correct information (S10). If the information is correct, card information, payment information, and biometric information are stored (S11), and biometric information processing and statistical data extraction procedure are performed (S12). In this case, the statistical data is extracted using previously stored card information and biometric information, and it is determined whether it is the correct statistical data (S13). 26) is transmitted as payment approval information (S14), and if the correct statistical data is transmitted through the wired and wireless network 26 rejection transmission information (S15).

Here, the payment approval information is transmitted (S14), the payment approval information is transmitted to the terminals through the wired / wireless data processing unit 20 and the wired / wireless data transmitting / receiving unit 19, and the payment rejection information is transmitted to the wired / wireless data processing unit 20 or the wired / wireless data. Transmission to the terminals via the transceiver 19.

Statistical data determination is performed as shown in Figure 5, first determine whether the first user (S17). That is, it is determined whether the user pays for the first time using the biometric information as the current card to be input (S18). If it is the first user, it is determined that payment is possible (S23).

Next, it is determined whether the user is a new user (S18). If it is an existing user, it is determined that payment is possible (S23), and if it is a new user, it is determined whether the number of available cards exceeds the number of available users (S19). Even if the number of available persons is not exceeded, it is statistically determined whether the person is required to verify identity (S20), and the payment is rejected and identity verification is requested (S22).

A person who is required to verify his / her identity is a person who requires a new payment when a certain number of people have used it for a certain period of time. Use the value specified by the user or the payment company.

According to the present invention, it is possible to replace the present handwritten signature method by using biometric information in credit card payment and inquiry, thereby relieving the hardware burden of the search apparatus terminal, and furthermore, to keep the handwritten signature. There is an effect that can eliminate the high cost of storage management.

In addition, the inconvenience of using information is reduced, and in the case of card theft, it is effective to accurately confirm the use of third parties at the payment stage.

Claims (1)

Credit card input unit that accepts the information stored in the credit card, data processing unit for transmitting the input information contained in the credit card, wired and wireless network data processing unit for transmitting and processing the data processed by the data processing unit at a short or long distance, output through the data processing A search terminal comprising a data transmitting / receiving unit for transmitting and receiving data, a payment server comprising a credit information processing unit for processing the data output from the data transmitting / receiving unit of the terminal as a payment refusal or approval based on the information stored in the credit information server; In the credit card retrieval apparatus for transmitting the payment authentication and rejection results in accordance with the information provided from the terminal, The search terminal of the search apparatus, An information input unit including a biometric information input unit for inputting biometric information separately from the credit card input unit and a payment information input unit; A data processing unit which processes the information input to the information input unit and transmits the processed information to the payment server; A wired / wireless network data processing unit for converting the information input from the data processing unit into data of the wired / wireless network or converting the data of the wired / wireless network into information for transferring to the data processing unit; A credit card search terminal using biometric information comprising a wired and wireless data transmission and reception unit for converting data to be transmitted to a wired or wireless network into an electrical signal or converting an electrical signal into data.