KR20050111653A - System and method for payment by using picture information of face, information storing medium - Google Patents

Abstract

The present invention relates to a payment processing method and system using customer facial image information, the payment method using a wired / wireless client terminal equipped with image input means, when the predetermined payment processing in the wired / wireless client terminal, Reading face image information of the client through an image input device provided in the wired / wireless client terminal; Transmitting the read facial image information from a wired / wireless client terminal to a predetermined payment processing and / or payment approval server; And registering and storing the facial image information transmitted from the wired / wireless client terminal in association with payment information and / or payment approval information of the client in a predetermined storage medium in the server. As a result, it is possible to provide on-line face-to-face conduct of offline payment in a predetermined network payment process based on a wired or wireless network. In addition, when the identification of the customer is performed through facial recognition and authentication of the facial image information, it is possible to provide a handwritten signature of offline payment online in the network payment process.

Description

System and Method for Payment by Using Picture Information of Face, Information Storing Medium}

According to the present invention, when predetermined payment processing is performed in a wired / wireless client terminal, facial image information of the client is read and transmitted to a predetermined payment processing and / or payment approval server through an image input device provided in the wired / wireless client terminal. Thus, payment using customer face image information registered and stored in a predetermined storage medium by processing the face image information transmitted from the wired / wireless client terminal by the server in association with payment information and / or payment approval information of the client. It relates to a method and a system.

In the off-line credit card payment, when a customer purchases tangible and / or intangible goods at a credit card merchant, and pays and / or pays for the purchased goods, the payment terminal device provided at the merchant stores the Extracts predetermined payment information (e.g., payment amount) for payment and / or payment (e.g., extracts from a point of sale terminal) and / or generates (e.g., a merchant clerk is a key of a payment terminal device) Inputted), and reads predetermined payment means information (eg, credit card number) from a credit card issued to the customer by a specific credit card company, and then includes a predetermined payment message including the payment information and payment means information. Generates and transmits to the payment server of the credit card company through the value added network (VAN), the payment server reads the payment text and determines the payment approval, And the data is transmitted back to the payment terminal device through the VAN.

In such offline credit card payment, face-to-face and handwritten signatures are used as a means to ensure confidentiality, authentication, integrity, and nonrepudiation of payment processing. That is, a means for ensuring confidentiality, authentication, integrity, and non-repudiation for payment processing includes the act of the merchant clerk facing the customer and the customer signing a predetermined receipt printed by the payment terminal device. do. Such predetermined acts are very simple, fast and convenient as a method for credit settlement.

On the other hand, in online credit card payment using a network, the means for ensuring confidentiality, authentication, integrity, and nonrepudiation of such payment processing rely on a network-based security system. For example, certain information printed on a credit card issued by a credit card company to a customer, information promised between the customer and the credit card (for example, a password), and a security protocol for transmitting the information to the credit card company while maintaining security and reliability. (E.g., encryption of public key infrastructure, and digital signatures, etc.).

Initial online credit card payments used the Secure Electronic Transactions (SET) protocol jointly standardized by Visa International, Mastercard International, Microsoft, Netscape and IBM.

Recently, various security payments as a means to solve the problems of the online credit card payment (for example, the problem that the credit card number is exposed and / or stored on a server other than the credit card company, excessive cost, and time required) The method is being introduced.

1 is a 3-D Secure payment protocol commercialized by Visa International in the United States.

3-D Secure is a secure payment protocol for credit card companies to directly authenticate card users when making online transactions with credit card companies in Korea. It aims to implement the same level of credit and security as online transactions. .

3-D Secure Protocol is basically based on 3-D (Three Domain) concept. The issuer domain includes the cardholder framework and the card issuer that issues and authenticates the cardholder to the cardholder, to compensate for the SET's shortcomings, which did not clearly define who should do what. (Issuer Domain), Acquirer Domain including Merchant and Card Buyer, Internet and Visa Interoperability Domain including VisaNet and Interoperability Domain. It is a security payment protocol that clarifies rights and obligations between participants by distinguishing them and showing each participant where they are.

First of all, the card issuer establishes an access control server (ACS) to provide cardholders with identity verification and / or authentication services, which provide cardholders with a 3-D secure subscription and authentication services in the event of subsequent transactions. It must be integrated with the card issuer's existing system and communicates with the merchant's 3-D Secure Software Module (or Server) called 3-D Secure MPI (Merchant Plug-In) through the Visa Directory Server and the cardholder's web browser. do.

The reason why the card issuer's ACS should communicate with the merchant's 3-D Secure MPI is that even if the card issuer establishes the ACS and provides the cardholder on the web with identity verification services, this is separate from the purchase activity on the merchant's website. This is to ensure that the 3-D secure service works on a continuous line of cardholders' purchases and payments on merchant websites. To do this, the cardholder who subscribes to the 3-D Secure Service on the merchant's website recognizes the credit card payment and opens the card issuer's window where the cardholder can enter the 3-D Secure Password. It is necessary to confirm the cardholder authentication result of the card issuer through the Secure MPI, and to connect the 3-D Secure cardholder authentication process with the existing transaction approval process, the 3-D Secure MPI is an approval process processing module (or server). It is necessary to integrate with API (Acquirer Plug-In).

In the secure payment process based on the 3-D secure, the cardholder selects the item to be purchased from the merchant's website, enters the card number in the payment window, and presses the “OK” button (1). The card number is sent to the server (Visa Directory Server) (2), and the visa directory server inquires the card issuer whether it is a 3-D secure subscription card (3). (4), the visa directory server transmits the URL of the card issuer to the merchant (5).

At this time, the merchant sends transaction details to the card issuer through the cardholder's web browser and outputs the card issuer's 3-D secure window to the cardholder's web browser (6). The cardholder requests a 3-D secure password through (7), and the cardholder enters the password (8).

When the password is entered as above, the card issuer checks the password and transmits the electronically signed authentication result to the merchant through the cardholder's web browser and returns the cardholder's web browser to the merchant's webpage (9). If the authentication status is normal by checking the authentication result, request transaction approval from the card purchaser through the existing transaction approval process (10), the card purchaser requests transaction approval from the card issuer through Visanet (11), and the card If the issuer sends the transaction approval result to the card purchaser via Visanet (12), and the card purchaser sends the transaction approval result to the merchant (13), the merchant website issues a receipt after confirming the transaction to the cardholder (14). ).

However, in order to implement the same level of credit and security as online security, the secure payment protocol requires cardholders to sign up securely with card issuers, and merchants (web servers) use 3-D. There must be a secure MPI and API, a card issuer must have an ACS, there is a problem between the merchant and the card issuer includes a complex configuration provided by the visa directory server. In addition, in order to make payment according to the secure payment protocol, more than 14 complicated steps must be performed to provide the same level of credit and security as occurs in offline transactions.

Also, for card users, complex processes like popping up multiple windows and entering passwords just to implement the same level of credit security as offline transactions can provide good credit and security in their own way, but are too complex to use. It contains difficult problems. Thus, a simpler, more convenient and progressive way to implement the same level of credit and security that occurs in offline transactions online must be provided.

An object of the present invention to solve the above problems is to extract a face image of the customer from the wired / wireless client terminal when the network payment using the wired / wireless client terminal equipped with an image input means, a predetermined By interfacing with payment information and storing it in a predetermined storage medium, by providing a face-to-face action in the network payment process to ensure confidentiality, authentication, integrity, and nonrepudiation in offline payment, The same level of trust and security is achieved.

In addition, another object of the present invention is to provide a face image of the customer from the wired / wireless client terminal when the network payment using the wired / wireless client terminal equipped with an image input means, by recognition and authentication, confidentiality, authentication in offline payment By providing a handwritten signature to ensure the integrity, integrity, and nonrepudiation in the network payment process, the same level of credit and security as the offline payment is implemented in the network payment process.

In order to achieve the above object, the present invention provides a payment method using a wired / wireless client terminal provided with image input means, wherein a predetermined input processing is performed at the wired / wireless client terminal and the image input provided to the wired / wireless client terminal. Reading facial image information of the client through a device; transmitting the read facial image information from the wired / wireless client terminal to a predetermined payment processing and / or payment approval server; And registering and storing the facial image information transmitted from the wireless client terminal in association with payment information and / or payment approval information of the client in a predetermined storage medium.

According to the present invention, the payment processing method using the customer face image information, when checking whether the payment means of the client illegally used, the server associated with the payment information and / or payment approval information previously stored in the storage medium And extracting facial image information of a payment means using client, and determining whether the payment means is illegally used by the client.

In addition, in the payment method using a wired / wireless client terminal according to another embodiment of the present invention, the predetermined payment means information from the payment processing terminal to the wired / wireless client terminal when the predetermined payment processing is performed at the wired / wireless client terminal. Requesting, reading the face image information of the client through the image input apparatus provided in the wired / wireless client terminal, and reading the face image information and the predetermined payment from the wired / wireless client terminal. Providing means information to the payment processing terminal; and transmitting the face image information and predetermined payment means information provided from the wired / wireless client terminal to the payment processing and / or payment approval server. And a face image of the client transmitted from the payment processing terminal in the server. Associated handle beams and payment means information, and a registration step of storing in a storage medium.

Preferably, the payment processing method using the customer face image information, when the client checks the illegal use of the payment means, the server to the face image information of the client associated with the payment means information of the client previously stored in the storage medium; The method may further include determining whether the payment means is illegally used by the client.

According to another preferred embodiment of the present invention, a wired / wireless client terminal having an image input means comprises a web server for extracting and / or generating predetermined payment information and a server for approving payment for the payment information. A network payment method, comprising: cooperatively processing facial image information of a customer read from the wired / wireless client terminal on a network and transmitted to the server and predetermined payment information transmitted from the web server to the server Providing a predetermined storage medium (1) for storing; Extracting and generating predetermined payment information from the web server, transmitting the predetermined payment information to the server, and requesting payment processing; Reading facial image information of a customer through the image input means at the wired / wireless client terminal; Inputting predetermined payment means information from the wired / wireless client terminal and / or reading from a predetermined card and transmitting the predetermined payment means information to the server through a wired / wireless network in association with the face image information of the customer read from the image input means; ; And if the predetermined network payment is approved by the server, cooperatively processing the face image information of the customer received from the wired / wireless client and the payment information and storing the payment information in the storage unit.

In addition, the network payment method is to associate and store the facial image information of the customer read from the wired / wireless client terminal and transmitted to the server on the network and the predetermined payment information transmitted from the web server to the server to store Providing a predetermined storage medium (1); Extracting and generating predetermined payment information from the web server, transmitting the payment information to the wired / wireless client terminal, and requesting payment processing; Reading facial image information of a customer through the image input means at the wired / wireless client terminal; The server through the wired / wireless network in connection with the face image information and the payment information of the customer read from the image input means by inputting and / or reading predetermined payment means information from the wired / wireless client terminal Transmitting to; And if the predetermined network payment is approved by the server, cooperatively processing the face image information of the customer received from the wired / wireless client and the payment information and storing the payment information in the storage unit.

According to a preferred embodiment of the present invention, the step of reading the facial image information of the customer through the image input means in the wired / wireless client terminal, the movement of the facial muscles from the facial image information (for example, blinking eyes, Determining whether the facial image information is read from the manipulated image (eg, the customer's life-size picture) by detecting the squeak of the mouth.

In addition, the network payment method is to associate and store the facial image information of the customer read from the wired / wireless client terminal and transmitted to the server on the network and the predetermined payment information transmitted from the web server to the server to store Providing a predetermined storage medium (1); By comparing the facial image information of the customer and / or the facial recognition information read from the facial image information, the predetermined facial authentication information required for authenticating the identity of the corresponding customer and the predetermined payment means information for the customer are processed in a predetermined manner. Storing in the storage medium 2 of the; Extracting and generating predetermined payment information from the web server, transmitting the predetermined payment information to the server, and requesting payment processing; Reading facial image information of a customer through the image input means at the wired / wireless client terminal; Inputting predetermined payment means information from the wired / wireless client terminal and / or reading from a predetermined card and transmitting the predetermined payment means information to the server through a wired / wireless network in association with the face image information of the customer read from the image input means; ; Reading predetermined facial recognition information for identifying the identity of the customer through predetermined pattern recognition on the facial image information received from the wired / wireless client terminal at the server; Extracting face authentication information of a corresponding customer matching the read face recognition information from the storage medium through the payment means information in the server; Comparing, at the server, the facial recognition information with facial authentication information of the corresponding customer extracted from the storage medium, and determining payment approval for the network payment as a result of the comparison; And if the predetermined network payment is approved by the server, cooperatively processing the face image information of the customer received from the wired / wireless client and the payment information and storing the payment information in the storage unit.

In addition, the network payment method is to associate and store the facial image information of the customer read from the wired / wireless client terminal and transmitted to the server on the network and the predetermined payment information transmitted from the web server to the server to store Providing a predetermined storage medium (1); By comparing the facial image information of the customer and / or the facial recognition information read from the facial image information, the predetermined facial authentication information required for authenticating the identity of the corresponding customer and the predetermined payment means information for the customer are processed in a predetermined manner. Storing in the storage medium 2 of the; Extracting and generating predetermined payment information from the web server, transmitting the payment information to the wired / wireless client terminal, and requesting payment processing; Reading facial image information of a customer through the image input means at the wired / wireless client terminal; The server through the wired / wireless network in connection with the face image information and the payment information of the customer read from the image input means by inputting and / or reading predetermined payment means information from the wired / wireless client terminal Transmitting to; Reading predetermined facial recognition information for identifying the identity of the customer through predetermined pattern recognition on the facial image information received from the wired / wireless client terminal at the server; Extracting face authentication information of a corresponding customer matching the read face recognition information from the storage medium through the payment means information in the server; Comparing, at the server, the facial recognition information with facial authentication information of the corresponding customer extracted from the storage medium, and determining payment approval for the network payment as a result of the comparison; And if the predetermined network payment is approved by the server, cooperatively processing the face image information of the customer received from the wired / wireless client and the payment information and storing the payment information in the storage unit.

In addition, the network payment method is to associate and store the facial image information of the customer read from the wired / wireless client terminal and transmitted to the server on the network and the predetermined payment information transmitted from the web server to the server to store Providing a predetermined storage medium (1); By comparing the facial image information of the customer and / or the facial recognition information read from the facial image information, the predetermined facial authentication information required for authenticating the identity of the corresponding customer and the predetermined payment means information for the customer are processed in a predetermined manner. Storing in the storage medium 2 of the; Extracting and generating predetermined payment information from the web server, transmitting the predetermined payment information to the server, and requesting payment processing; Reading facial image information of a customer through the image input means at the wired / wireless client terminal; Reading predetermined facial recognition information for identifying the identity of the customer through predetermined pattern recognition on the facial image information received from the wired / wireless client terminal at the server; Inputting predetermined payment means information from the wired / wireless client terminal and / or reading from a predetermined card and transmitting the predetermined payment means information to the server through a wired / wireless network in association with the face recognition information and the face image information of the customer; Extracting face authentication information of a corresponding customer matching the read face recognition information from the storage medium through the payment means information in the server; Comparing, at the server, the facial recognition information with facial authentication information of the corresponding customer extracted from the storage medium, and determining payment approval for the network payment as a result of the comparison; And if the predetermined network payment is approved by the server, cooperatively processing the face image information of the customer received from the wired / wireless client and the payment information and storing the payment information in the storage unit.

In addition, the network payment method is to associate and store the facial image information of the customer read from the wired / wireless client terminal and transmitted to the server on the network and the predetermined payment information transmitted from the web server to the server to store Providing a predetermined storage medium (1); By comparing the facial image information of the customer and / or the facial recognition information read from the facial image information, the predetermined facial authentication information required for authenticating the identity of the corresponding customer and the predetermined payment means information for the customer are processed in a predetermined manner. Storing in the storage medium 2 of the; Extracting and generating predetermined payment information from the web server, transmitting the payment information to the wired / wireless client terminal, and requesting payment processing; Reading facial image information of a customer through the image input means at the wired / wireless client terminal; Reading predetermined facial recognition information for identifying the identity of the customer through predetermined pattern recognition on the facial image information received from the wired / wireless client terminal at the server; Inputting predetermined payment means information from the wired / wireless client terminal and / or reading from a predetermined card and transmitting the predetermined payment means information to the server through a wired / wireless network in association with the face recognition information and the face image information of the customer; Extracting face authentication information of a corresponding customer matching the read face recognition information from the storage medium through the payment means information in the server; Comparing, at the server, the facial recognition information with facial authentication information of the corresponding customer extracted from the storage medium, and determining payment approval for the network payment as a result of the comparison; And if the predetermined network payment is approved by the server, cooperatively processing the face image information of the customer received from the wired / wireless client and the payment information and storing the payment information in the storage unit.

According to a preferred embodiment of the present invention, if a predetermined network payment is approved in the server, the server stores the image in association with facial image information received from the wired / wireless client and the payment information in the storage unit. The method may further include updating the facial recognition information read from the wired / wireless client terminal and recognized through predetermined pattern recognition to the facial authentication information of the storage medium 2. The server is capable of automatically updating facial authentication information for a gradual face change of the customer (eg, a face change that naturally changes as the customer ages).

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

Preferred embodiments of the present invention carried out below through the wired and wireless client terminal, a predetermined payment processing and / or payment approval server and a predetermined storage medium to collectively describe the technical components constituting the present invention, When the payment processing process using the customer facial image information according to the customer facial image information according to the present invention through a wired or wireless client terminal, payment processing terminal, payment processing and / or payment approval server and a predetermined storage medium A case where the payment processing process used is performed will be described. However, the general embodiment of the present invention as described above may be described through individual embodiments, and the technical spirit of the present invention is determined by the claims of the present invention.

2 is a preferred embodiment of a network payment system through facial image storage and / or authentication according to a preferred embodiment of the present invention.

Preferably, the payment system using the wired / wireless client terminal 200 equipped with the image input means shown in FIG. 2 includes a wired / wireless client terminal 200 and a payment processing and / or payment approval server 205. Characterized in that configured.

Preferably, the wired / wireless client terminal 200 reads the facial image information of the payment customer through a predetermined image input means, and reads the read facial image information through a predetermined payment process and / or during a predetermined payment process. It transmits to the payment approval server (205).

For example, the wired / wireless client terminal 200 may be provided with a predetermined image input means (eg, an internal or external digital camera) for receiving a face image of a customer.

For example, the image input means is a device equipped with a CCD (Charge Coupled Device) for receiving the image of the real world in the form of a two-dimensional array of a predetermined digital pixel, for example, a wired client provided with image input means The terminal corresponds to a client terminal equipped with a web camera, or the wireless client terminal equipped with an image input means is a camera phone equipped with a QDMA MSM 5100/5500 or higher code division multiple access (CDMA) core chip. (Camera Phone) is possible.

The wired / wireless client terminal 200 reads predetermined face image information from the face image of the customer inputted by the image input means or the like, and has unique features such as only the face or the like that make up the face. Method based on the regional features of facial components to determine whether the face is based on the compositional relationship [US5659625, KR2000-004193], or the overall shape of the face using principal component analysis using the overall features of the face without expressing the face partly The facial image information of the customer can be read by using the method [JP1998-296090].

In addition, the wired / wireless client terminal 200 connects a communication session through a predetermined wired / wireless network connecting the server 205, and processes the payment of the read facial images of the customer through the communication session and / Or it transmits to the payment approval server (205).

Preferably, the payment processing and / or payment approval server 205 and the facial image information transmitted from the wired / wireless client terminal 200 and the payment information and / or payment approval information including the payment means information of the customer Cooperative processing is registered and stored in the predetermined storage medium 210.

In addition, the payment processing and / or payment approval server 205, the check associated with the payment information and / or payment approval information previously stored in the storage medium 210 when the client checks whether the payment means illegal use The facial image information of the client using the means is extracted to determine whether the client uses the payment means illegally.

For example, the payment means preferably includes a credit card payment means, debit card payment means, check card payment means, prepaid card payment means, and / or financial common network payment means.

3 is a preferred embodiment of a network payment system through facial image storage and / or authentication according to another preferred embodiment of the present invention.

3 is a payment server 205 (e.g., payment processing and / or payment approval server 205) receiving predetermined payment customer face image information and predetermined payment means information from a wired / wireless client terminal with reference to FIG. Etc.), and further includes a predetermined payment processing terminal 215.

Accordingly, the payment system using the wired / wireless client terminal 200 equipped with the image input means according to the preferred embodiment of the present invention includes a wired / wireless client terminal 200, a payment processing terminal 215, and a payment processing. And / or a payment approval server 205.

Preferably, when the wire / wireless client terminal 200 receives the payment means request signal from the payment processing terminal 215, the wire / wireless client terminal 200 reads the facial image information of the payment customer through the image input means, and the read facial image information. And provide predetermined payment means information to the payment processing terminal.

Preferably, the payment processing terminal 215 requests predetermined payment means information from the wired / wireless client terminal when the wired / wireless client terminal 200 makes a predetermined payment process. Receives the payment customer face image information and predetermined payment means information of the customer, and transmits the face image information and payment means information of the customer provided to the payment processing and / or payment approval server 205.

Preferably, the payment processing and / or payment approval server 205 is associated with payment information and / or payment approval information including the payment means information of the customer of the face image information of the customer transmitted from the payment processing terminal 215 The process is registered and stored in the predetermined storage medium 210.

Meanwhile, the payment process using the wired / wireless client terminal 200 according to FIG. 3 is predetermined from the payment processing terminal 215 to the wired / wireless client terminal when a predetermined payment processing is performed in the wired / wireless client terminal 200. When requesting the payment means information, the facial image information of the client is read through the image input device provided in the wired / wireless client terminal 200.

The wired / wireless client terminal 200 provides the read face image information and predetermined payment means information to the payment processing terminal, and the payment processing terminal provides the face provided from the wired / wireless client terminal 200. When the image information and the predetermined payment means information are transmitted to the predetermined payment processing and / or payment approval server 205, the server 205 receives the facial image information and payment means information of the client transmitted from the payment processing terminal. Cooperative processing is registered and stored in the predetermined storage medium 210.

For example, if a client other than the client intends to make a payment, the server 205 extracts and compares facial image information of the client associated with payment means information of the client previously stored in the storage medium 210. In addition, the client may determine whether the payment means is illegally used.

4 is a simple data model of a storage medium 210 provided on a server 205 or a network in accordance with another preferred embodiment of the present invention.

Preferably, the storage medium 210 is read out through the image input device provided in the wired / wireless client terminal 200 during payment processing using the wired / wireless client terminal 200 having the image input means. The payment customer face image information data file and the wired / wireless client terminal which receive and store face image information of a payment customer from the wired / wireless client terminal 200 and / or the payment processing terminal 215 and / or a web server. In the payment processing through the (200), characterized in that it comprises a payment information data file for storing the payment means information and / or payment approval information used by the payment customer.

In addition, the storage medium 210 is characterized in that the billing customer facial image information data file and the payment information data file to be stored in a mutual connection process.

In addition, the storage medium 210 may be configured to further include a billing customer personal information data file.

Preferably, the payment customer face image information data file includes date information at which the client registered and / or stored his face image information, face image image information, and digitized face image information numerical data.

For example, the facial image information data may include pixel information data for a facial image of a payment customer and / or feature point data for a facial image and / or statistical information for a facial image (eg, a facial contour, statistical values of at least two facial features). ) May include data.

Preferably, the payment information data file includes customer payment means information (eg, card, account, etc.) and payment approval history information using facial image information according to the present invention.

For example, payment approval history information may include information such as payment approval date, payment merchant, payment target goods or services, payment errors (such as rejection information).

Preferably, the information storage medium 210, characterized in that provided in the payment processing server 205 and / or payment approval server 205 corresponding to the customer payment means.

Preferred embodiments of the present invention to be carried out below are stored in the storage medium 1 in association with facial image information and payment information read from the wired / wireless client to collectively describe the technical components constituting the present invention. The case of authenticating the identity of the customer by comparing the facial recognition information recognized from the facial image information with the facial authentication information stored in the storage medium 2 will be described. However, the general embodiment of the present invention as described above may be described through individual embodiments, and the technical spirit of the present invention is determined by the claims of the present invention.

5 is a preferred embodiment of a network payment system through facial image storage and / or authentication according to another preferred embodiment of the present invention.

Referring to FIG. 5, in the network payment system using the preferred face image of the present invention, when a customer purchases a certain tangible or intangible product through a predetermined wire / wireless client terminal 500, the purchase price of the purchased product is paid. And / or a payment information extraction / generation unit 575 for extracting and / or generating predetermined payment information for payment, and processing the payment information for a wired / wireless client terminal 500 and / or payment approval of a customer. A web server 570 having a payment request unit 585 for requesting payment processing by transmitting to the server 525; The facial image information reading unit 510 which reads the facial image information through the predetermined image input means 505, and the predetermined payment means information for the payment processing through the predetermined card and / or key input. A wired / wireless client terminal having a payment means information reader 515 and a transmission unit 520 for transmitting the facial image information and payment means information to a server 525 through a predetermined wired / wireless terminal ( 500); And facial image information storage D / B and payment provided to link and process the facial image information received from the wired / wireless client terminal 500 and the payment information extracted and / or generated by the web server 570. Information authentication D / B, facial authentication information D / B which stores facial authentication information for authenticating a client's identity compared to facial recognition information read from the facial image information, and a predetermined payment from the web server 570. A receiving unit 530 for receiving information and / or receiving face image information and payment means information from the wired / wireless client terminal 500 and the face image information received from the wired / wireless client terminal 500. A recognition unit 545 for recognizing and reading face recognition information, an extraction unit 555 for extracting face authentication information matching the face recognition information from face authentication information D / B, and the face recognition information and face authentication The authentication unit 550 determines whether to approve the payment by comparing the information by authenticating the identity of the customer, and when the payment is approved, the facial image information storage D / B by linking the facial image information and the payment information of the customer; And a server 525 having a storage unit 540 for storing the payment information storage D / B.

According to a preferred embodiment of the present invention, the payment request unit 585 of the web server 570 transmits predetermined payment information to the wired / wireless client terminal 500 equipped with the image input means 505 and / or payment approval. Is transmitted to the server 525 for processing, the process may transmit the payment information only to the wired / wireless client terminal 500 or only to the server 525, or the wired / wireless client terminal. Both the 500 and the server 525 may be transmitted. However, when the web server 570 transmits the payment information only to the wired / wireless client, the payment information is transmitted to the server 525 via the wired / wireless client terminal 500. In addition, when the web server 570 transmits the payment information only to the server 525, the wired / wireless client terminal 500 may not transmit the payment information to the server 525. In addition, when the web server 570 transmits the payment information to both the wired / wireless client and the server 525, the wired / wireless client terminal 500 receives the payment received from the web server 570. The information may be transmitted to the server 525 or not, and when the information is transmitted to the server 525, the payment information received from the web server 570 and the wired / wireless information may be transmitted from the server 525. The method may further include a process of comparing payment information transmitted from the client (not shown and explanation).

According to one embodiment of the present invention, the recognition unit 545 provided in the server 525 in the preferred embodiment may be provided in the wired / wireless client to reduce the load of the server 525.

Generally, pattern recognition methods for facial image recognition include template matching method [JP1998-296090], structural method [KR1998-041133, KR2000-036241], and statistical method [US6108437].

However, the template matching method is very intuitive and easy, but comparing the images of the high-dimensional signals with the images in the database and selecting the most similar image, the pixel information must be compared, so the amount of data storage must be enormous. The amount of computation for facial recognition is also enormous, overloading the server 525.

In addition, the structural method uses some form of facial information, such as the distance between the two eyes or the distance between the eye and the incidence, which requires a large amount of computation because the feature points of the face must be extracted. Overload the server 525.

The statistical method uses a statistical modeling method, such as a principal component analysis method, to database statistical information about the face (eg, facial contours, statistical values of at least two facial features), and then recognizes the face by comparing the statistical information. Although it puts less load on the server 525 than the template matching method and structural method, it also applies to the server 525 when the facial recognition request increases by a certain level or more.

Accordingly, in order to solve the above problems, loads should be distributed by processing a plurality of servers 525 in parallel, and in a simpler manner, face recognition may be performed by wired / wireless clients. It is possible to distribute the overload of the server 525 by only performing authentication on the facial recognition information.

However, when the recognition unit 545 is provided in the wired / wireless client, the wired / wireless client should also transmit the face image information in transmitting the face recognition information to the server 525. This is because the server 525 matches the face image information with the payment information and stores the face image information in order to act offline.

According to an embodiment of the present invention, when the network payment system authenticates the identity of the customer through encryption of a public key infrastructure (PKI) and digital signature (Digital Signature, Electronic Signature), the The server 525 compares the face recognition information and the face authentication information recognized from the face image information read from the wired / wireless client terminal 500 in order to act as an offline handwritten signature, thereby identifying the identity of the customer. The recognition unit 545, the extraction unit 555, and the authentication unit 550 for authentication may be omitted.

Hereinafter, each configuration of a network payment system through storage and / or authentication of a face image will be described with reference to FIG. 2 according to a preferred embodiment of the present invention.

When the customer accesses the web server 570 through a predetermined wired / wireless client terminal 500 and purchases the wired / intangible goods sold by the web server 570, payment information regarding the purchased product is provided. A payment information extraction / generation unit 575 is provided for extracting (for example, extracting from a shopping cart provided with payment information) and / or generating (for example, omitting a shopping cart process and purchasing immediately). The payment request unit 585 is provided to request a network payment for the purchased goods by transmitting to the wired / wireless client and / or the server 525.

The wired / wireless client terminal 500 is basically provided with image input means 505 (for example, a digital camera) for inputting an image, and reads facial image information of a customer from the image input means 505. The outgoing facial image reading unit 510, the payment means information reading unit 515 for reading payment means information required for payment processing, and the server 525 by linking the face image information and payment means information. Transmitting unit 520 for transmitting to is provided.

The facial image reading unit 510 reads a facial image among images input through the image input unit 505, and the facial image reading unit 510 uses a predetermined facial image reading method. Read facial image information.

For example, the facial image reading unit 510 is based on the local characteristics of the facial components to determine whether the face on the basis of the presence or absence of intrinsic features such as the eyes or nose constituting the face and the compositional relationship [US5659625] , KR2000-004193], or the facial image information of the customer through the method of using the overall shape of the face using the principal component analysis that uses the overall characteristics of the face without dividing the face into parts [JP1998-296090].

According to a preferred embodiment of the present invention, it is preferable that the face image reading unit 510 further includes a function of determining whether the face image is manipulated and / or valid in reading out the face image of the customer. .

For example, the face image reading unit 510 detects the movement of the eyes, nose, and / or mouth constituting the face while reading the face image of the customer, thereby checking whether the face image is manipulated. Alternatively, the face image reading unit 510 may determine whether the face image is valid by detecting whether the customer wears sunglass or a mask while detecting the face image.

The payment means information reading unit 515 may read information on at least one or more payment means required for payment approval to the purchased product from a predetermined payment server.

According to a preferred embodiment of the present invention, the payment means preferably includes a credit card payment means, debit card payment means, check card payment means, prepaid card payment means, and / or financial common network payment means.

According to an exemplary embodiment of the present invention, the payment means information reader 515 is a key input unit (specific illustration) for a customer to input payment means information (eg, credit card number, password) in the wired / wireless client terminal 500. Or when the payment means is an IC card (e.g., an IC card issued to a customer in the case of a wired client terminal, or an IC chip mounted or detached from a wireless terminal in the case of a wireless client terminal), An IC card terminal program (not specifically shown) for loading the payment means information of is preferable.

The transmission unit 520 processes the payment means information read by the payment means information reader 515 and the face image information of the customer read by the face image reader 510 and transmits them to the server 525. It is characterized by.

According to a preferred embodiment of the present invention, the transmission unit 520 connects a communication session through a predetermined wired / wireless network connecting the wired / wireless client terminal 500 and the server 525, and the communication. It is preferable to transfer the payment means information and facial image information to the server 525 through a session, or transmit the payment means information first and the facial image information, or transmit the facial image information and pay first. The means information may be transmitted. At this time, it is preferable that at least one or more security protocols provided between the wired / wireless network are applied between the wired / wireless client terminal 500 and the server 525.

According to another exemplary embodiment of the present invention, if the wire / wireless client terminal 500 includes a recognition unit 545 for recognizing face recognition information from facial image information, the transmission unit 520 may be connected to the payment means information. The facial recognition information may be further included in the face image information and transmitted. Further, when predetermined payment information is received from the web server 570 to the wired / wireless client terminal 500, the payment means information and The payment information may be further included in facial image information and / or facial recognition information.

The server 525 stores facial image information provided to link and process the facial image information received from the wired / wireless client terminal 500 and payment information extracted and / or generated by the web server 570. D / B and payment information D / B, facial authentication information D / B for storing facial authentication information for verifying the identity of a customer compared to facial recognition information read from the facial image information, and the web server 570 A receiving unit 530 for receiving predetermined payment information for payment processing from the terminal and / or receiving predetermined information associated with payment means information and facial image information from the wired / wireless client terminal 500, and receiving the received payment information. A recognition unit 545 for recognizing facial image information and reading facial recognition information, and extracting facial authentication information from facial authentication information D / B to authenticate a customer's identity through the facial recognition information. The authentication unit 550 for authenticating the identity of the customer by comparing the facial recognition information with the facial recognition information and the facial recognition information, and the facial image information and the facial image information of the customer when the identity of the client is authenticated and settled. And a storage unit 540 for storing and processing payment information in association.

The facial image information storage D / B and the payment information D / B are extracted from the web image and the facial image information received from the wired / wireless client terminal 500 when the payment is approved by the server 525. And / or a database and / or storage space provided on the network to connect and store the payment information generated and received (or received via the wired / wireless client terminal 500).

According to a preferred embodiment of the present invention, the facial image information storage D / B and the payment information D / B and the facial image information received from the wired / wireless client terminal 500 and extracted from the web server 570 and / Alternatively, the generated payment information is stored in association with each other, and is considered to act as an agent for confidentiality, authentication, integrity, and non-repudiation for settlement processing on an existing offline.

The facial authentication information D / B is a database and / or storage space for storing facial authentication information for authenticating a customer's identity through facial image recognition, and is effective before the network payment proposed by the present invention is performed. Read the facial authentication information of the customer by reading the facial image information of the customer in the credit card issuing process and reading the predetermined authentication information required for facial authentication and storing it in a database in connection with the payment method information). Characterized in that the facial authentication information stored in the D / B.

According to a preferred embodiment of the present invention, the facial authentication information stored in the facial authentication information D / B from the wired / wireless client terminal 500 while the network payment through facial image recognition and authentication proposed by the present invention is performed. By updating through facial recognition information extracted from valid facial image information to be transmitted, it is desirable to track and manage the gradual facial changes of the customer to use for network payment.

The receiving unit 530 receives predetermined payment information for payment processing from the web server 570, and / or receives payment means information and facial image information from the wired / wireless client terminal 500. It is done.

According to a preferred embodiment of the present invention, the receiving unit 530 connects the communication session with the wired / wireless client terminal 500 and the web server 570 through a predetermined security protocol for more reliable network payment. desirable.

The recognition unit 545 reads facial recognition information from the facial image information through a predetermined pattern recognition when the reception unit 530 receives valid facial image information of the customer from the wired / wireless client terminal 500. It is characterized by shipping.

According to a preferred embodiment of the present invention, the facial recognition information read by the recognition unit 545 is used for the facial authentication method used by the authentication unit 550 provided in the server 525 to authenticate the identity of the customer. Subordinate For example, when the authenticator 550 authenticates the identity of the customer through a statistical method, the recognition unit 545 preferably recognizes statistical face information based on statistical modeling.

The extractor 555 may recognize the face when the receiver 530 receives valid facial image information of the customer from the wired / wireless client terminal 500 or the recognizer 545 may be valid from the facial image information. When the information is read, facial authentication information (eg, payment means information received in association with the facial image information from the face authentication information D / B and associated facial information stored in association with the same payment means information) Authentication information).

The authentication unit 550 compares the facial recognition information recognized by the recognition unit 545 from the facial image information and the facial authentication information extracted by the extraction unit 555 from the facial authentication information D / B, and the comparison result. It is characterized by authenticating the identity of the customer.

According to a preferred embodiment of the present invention, when the authentication unit 550 is authenticated by the customer through the face recognition information and the face authentication information, the payment for the payment information is preferably approved, the authentication The process is regarded as acting on behalf of the handwritten signature for confidentiality, authentication, integrity, and nonrepudiation for settlement processing on an existing offline.

Referring to FIG. 5, a payment processing unit 535 is provided in the server 525 (eg, the receiving unit 530, the recognition unit 545, the extraction unit 555, and the authentication unit 550 of the present invention in the payment server). And the storage unit 540), the payment processing unit 535 approves the payment for the payment information only when the authentication unit 550 authenticates the identity of the customer. Payment is processed through a payment institution 590 (eg, a voucher bank).

According to another embodiment of the present invention, if the server 525 and the payment server are provided independently (for example, if the payment processing unit 535 is not provided in the server 525 and provided in a separate payment server), The authentication unit 550 approves the payment by providing an authentication result of the customer identity by the facial authentication to the payment server.

When the payment for the payment information is approved through the payment processing unit 535, the storage unit 540 processes the face image information of the customer received from the wired / wireless client terminal 500 and the payment information in association. Facial image information storage D / B and payment information D / B characterized in that the storage.

According to a preferred embodiment of the present invention, the face image information and the payment information of the customer is linked to the face image information storage D / B and payment information D / B in the face-to-face interaction between the customer and the merchant Consider.

6 is a preferred flowchart of a network payment process through facial image storage and / or authentication according to a preferred embodiment of the present invention.

FIG. 6 illustrates a preferred process of making a network payment through the network payment system when the network payment system through the storage and / or authentication of a preferred face image as shown in FIG. 5 is provided, and overlaps with the existing network payment. The part is omitted as much as possible to effectively explain the technical spirit of the present invention.

In general, network payment is performed after a customer accesses a web server 570 through a predetermined wired / wireless client terminal 500 and selects a tangible / intangible product through a predetermined interface provided by the web server 570. And a purchase request, when the network payment is initiated as described above, the web server 570 provides payment information (eg, payment amount and web server 570 information) (eg, Internet shopping mall information) corresponding to the purchase request. Extract and / or generate purchased product information) and transmit the payment information to the wired / wireless client terminal 500 and / or the server 525 to request payment processing (600), and the wired / wireless client terminal. 500 and / or server 525 receives the payment information and the payment processing request from the web server 570 (605).

When the payment process is requested as described above, the wired / wireless client terminal 500 equipped with the image input means 505 receives payment means information (eg, a credit card number for credit card payment) required for the payment process. In operation 610, the facial image information of the customer is read and the validity of the facial image information is determined through the image input means 505 provided in the wired / wireless client terminal 500.

According to another exemplary embodiment of the present invention, the process of reading the payment means information of the customer and the facial image information in the wired / wireless client terminal 500, as in the preferred method of the present invention, reads the facial image information. The order may be changed in the process of reading the payment method information.

According to a preferred embodiment of the present invention, the step of determining the validity of the face image information is to detect whether the face image is present in the image input through the image input means 505, the face image is not manipulated Is to determine whether the image is about.

If the validity of the face image information is not authenticated (620), the wire / wireless client terminal 500 repeats the process of reading and determining the face image information from the image input means 505.

On the other hand, if the validity of the facial image information is authenticated (625), the wired and wireless client terminal processes the facial image information and payment means information in association with the server 525 and transmits (630).

According to a preferred embodiment of the present invention, in the process of linking the facial image information and payment means information to the server 525 as described above, the face image information and payment means information in one data block (eg, Extrude and / or encrypt the face image information and payment means information into a single file, or process the data as payment data in the form of watermarking on the face image information) and transmit it to the server 525. Alternatively, it is preferable to sequentially transmit the face image information and the payment means information (eg, transmit the face image information first and the payment means information, or vice versa).

Through the above process, the facial image information and the payment means information are received from the wired / wireless client terminal 500 in association with each other, and predetermined payment information is received from the web server 570 (eg, the web server 570). When received directly from or via the wired / wireless client terminal 500), the server 525 performs facial authentication from the face image information received from the wired / wireless client terminal 500 through pattern recognition. The facial recognition information for reading is read (635).

According to a preferred embodiment of the present invention, the facial recognition information is characterized by comparing the facial authentication information stored in the facial authentication information D / B to authenticate the identity of the customer, for this purpose the facial recognition information is the facial authentication information It is desirable to include a predetermined structure (eg, statistical numerical information about the facial composition) to be compared with.

When face recognition information is read from the face image information received from the wired / wireless client terminal 500 as described above, the server 525 may compare the face recognition information with the face recognition information from the face authentication information D / B (eg, Extracts the payment means information received in association with the facial image information and the facial authentication information stored and stored through the same payment means information (640), and compares the facial recognition information with the facial authentication information to recognize the customer's face. The identity of the customer is authenticated based on the image information (645).

If the identity of the customer is not authenticated in the facial authentication process (650), the server 525 generates a payment error message and transmits the output to the wired / wireless client terminal 500 and / or the web server 570. The network settlement is terminated (655).

On the other hand, if the identity of the customer is authenticated in the facial authentication process (660), the server 525 is the payment information (e.g., payment amount) extracted and / or generated from the web server 570 and the wired / wireless client terminal Approving and payment processing for the goods purchased by the customer through the payment means information received from (500) (665).

When the identity of the customer is authenticated as described above and predetermined payment processing is performed, the server 525 is extracted and / or generated from the valid face image information of the customer received from the wired / wireless client terminal and the web server 570. The payment information used in the payment process is linked and stored in the face image information storage D / B and payment information D / B (670).

In addition, the server 525 is a new face authentication in the face authentication information stored in the face authentication information D / B to the valid face image information of the customer received from the wired and wireless client terminal and the valid face recognition information read from the face image information By updating the information (675), the reliability of the network payment according to the gradual face change of the customer is maintained.

7 is a flowchart illustrating a network payment process through facial image storage and / or authentication according to another embodiment of the present invention.

Specifically, in FIG. 7, in the process of FIG. 6, the recognition unit 545 included in the server 525 is distributed to the wired / wireless client terminal 500 so that the wired / wireless client terminal 500 can be used. The facial recognition information is directly read from the facial image information read through the image input means 505 through pattern recognition, and the facial recognition information and the facial image information and payment means information are transmitted to the server 525. It's about the process.

When the face recognition information is directly read through the pattern recognition in the wired / wireless client terminal 500 as shown in FIG. 7, the overload generated for the face recognition in the server 525 is applied to each wired / wireless client terminal ( 500) (see processes 730 and 735).

According to the present invention, by providing a face-to-face act in the network payment process to ensure confidentiality, authentication, integrity, and nonrepudiation in offline payment, the same level of credit and security as the offline transaction is provided in the network payment process. The advantage is that you can.

In addition, by providing a handwritten signature in the network payment process to ensure confidentiality, authentication, integrity, and nonrepudiation in the offline payment, it is possible to provide the same level of credit and security as the offline payment in the network payment process. There is an advantage.

1 is a 3-D Secure payment protocol commercialized by Visa International in the United States.

Figure 2 is a preferred embodiment of a network payment system through facial image storage and / or authentication in accordance with a preferred embodiment of the present invention.

3 is a preferred embodiment of a network payment system through facial image storage and / or authentication according to another preferred embodiment of the present invention.

4 is a simple data model of a storage medium provided on a server or a network according to another preferred embodiment of the present invention.

5 is a preferred embodiment of a network payment system through facial image storage and / or authentication according to a preferred embodiment of the present invention.

6 is a preferred flowchart of a network payment process through facial image storage and / or authentication according to a preferred embodiment of the present invention.

7 is a flowchart illustrating a network payment process through facial image storage and / or authentication according to another embodiment of the present invention.

<Description of main parts of drawing>

200: wired or wireless client terminal 205: payment server

210: storage medium 215: payment processing terminal

Claims (19)

In the payment method using a wired / wireless client terminal having an image input means, Reading facial image information of the client through an image input device provided in the wired / wireless client terminal when predetermined payment processing is performed in the wired / wireless client terminal; Transmitting the read facial image information from a wired / wireless client terminal to a predetermined payment processing and / or payment approval server; And And registering and storing the facial image information transmitted from the wired / wireless client terminal in association with payment information and / or payment approval information of the client in a predetermined storage medium in the server. Payment processing method using customer facial image information. The method of claim 1, wherein the wired and wireless client terminal, And a client PC, and / or a wireless terminal. According to claim 1, The payment information and / or payment approval information, Payment processing method using the customer facial image information, characterized in that comprises the payment means information of the client. According to claim 1, The payment processing method using the customer facial image information, When the client checks whether the payment method is illegally used, Extracting facial image information of the payment means using client associated with the payment information and / or payment approval information previously stored in the storage medium, and determining whether the payment means is illegally used by the server; Payment processing method using the customer facial image information, characterized in that made. In the payment method using a wired / wireless client terminal having an image input means, Requesting predetermined payment means information from the payment processing terminal to the wired / wireless client terminal when the predetermined payment processing is performed at the wired / wireless client terminal; Reading face image information of the client through an image input device provided in the wired / wireless client terminal; Providing the read image information and predetermined payment means information to the payment processing terminal by the wired / wireless client terminal; Transmitting, at the payment processing terminal, the facial image information and the predetermined payment means information provided from the wired / wireless client terminal to a predetermined payment processing and / or payment approval server; And And co-processing the face image information of the client and the payment means information transmitted from the payment processing terminal in the server and registering and storing the same in a predetermined storage medium. Treatment method. The method of claim 5, wherein the wired and wireless client terminal, And a client PC, and / or a wireless terminal. According to claim 5, The payment processing method using the customer facial image information, When the client checks whether the payment method is illegally used, And extracting, from the server, facial image information of the client associated with payment means information of the client previously stored in the storage medium, and determining whether the payment means of the client is illegally used. Payment processing method using facial image information. In the payment system using a wired or wireless client terminal equipped with an image input means, A wired / wireless client terminal that reads facial image information of the payment customer through a predetermined image input means and transmits the read facial image information to a predetermined payment processing and / or payment approval server during a predetermined payment processing; And Payment processing and / or payment for registering and storing the facial image information transmitted from the wired / wireless client terminal in association with payment information and / or payment approval information including payment method information of the customer in a predetermined storage medium. Approval server; Payment processing system using the customer facial image information, characterized in that comprises a. The method of claim 8, wherein the payment processing and / or payment approval server, When the client checks whether the payment method is illegally used, The facial image information of the client may be determined by extracting facial image information of the client using the payment method associated with the payment information and / or payment approval information previously stored in the storage medium, and illegally using the payment method of the client. Payment processing system using. In the payment system using a wired or wireless client terminal equipped with an image input means, When predetermined payment processing is performed in the wired / wireless client terminal, the predetermined payment means information is requested to the wired / wireless client terminal, and predetermined payment customer face image information and predetermined payment means information is received from the wired / wireless client terminal. A payment processing terminal which is provided and transmits the received face image information and payment means information to the payment processing and / or payment approval server; When a payment means request signal of the payment processing terminal is received, the facial image information of the payment customer is read through the image input means, and the read face image information and predetermined payment means information are provided to the payment processing terminal. Wired and wireless client terminals; And Payment processing and / or payment that registers and stores the facial image information of the customer transmitted from the payment processing terminal in association with payment information and / or payment approval information including payment method information of the customer in a predetermined storage medium. Approval server; Payment processing system using the customer facial image information, characterized in that comprises a. The method of claim 10, wherein the payment processing and / or payment approval server, When the client checks whether the payment method is illegally used, The facial image information of the client may be determined by extracting facial image information of the client using the payment method associated with the payment information and / or payment approval information previously stored in the storage medium, and illegally using the payment method of the client. Payment processing system using. When a customer purchases a certain tangible or intangible product through a predetermined wired / wireless client terminal, payment information extraction / generation for extracting and / or generating predetermined payment information for payment and / or payment of the purchased product Wealth, A web server provided with a payment request unit requesting payment processing by transmitting the payment information to a wired / wireless client terminal and / or a server processing payment approval; A face image information reading unit for reading face image information through a predetermined image input means; A payment means information reader for reading predetermined payment means information for payment processing through a predetermined card and / or key input; A wired / wireless client terminal having a transmission unit for transmitting the facial image information and payment means information to a server through a predetermined wired / wireless terminal; And A storage medium provided to link and process facial image information received from the wired / wireless client terminal and payment information extracted and / or generated by the web server; A receiving unit for receiving predetermined payment information from the web server and / or receiving facial image information and payment means information from the wired / wireless client terminal; If the payment is approved, the server having a storage unit for storing in the storage medium in association with the customer's face image information and the payment information; Payment processing system using the customer face image information, characterized in that When a customer purchases a certain tangible or intangible product through a predetermined wired / wireless client terminal, payment information extraction / generation for extracting and / or generating predetermined payment information for payment and / or payment of the purchased product Wealth, A web server provided with a payment request unit requesting payment processing by transmitting the payment information to a wired / wireless client terminal and / or a server processing payment approval; A face image information reading unit for reading face image information through a predetermined image input means; A payment means information reader for reading predetermined payment means information for payment processing through a predetermined card and / or key input; A wired / wireless client terminal having a transmission unit for transmitting payment information received from the web server, the face image information and payment means information to a server through a predetermined wired / wireless terminal; And A storage medium provided to link and process facial image information received from the wired / wireless client terminal and payment information extracted and / or generated by the web server; A receiving unit for receiving payment information, facial image information, and payment means information from the wired / wireless client terminal; If the payment is approved, the server having a storage unit for storing in the storage medium in association with the customer's face image information and the payment information; Payment processing system using the customer face image information, characterized in that When a customer purchases a certain tangible or intangible product through a predetermined wired / wireless client terminal, payment information extraction / generation for extracting and / or generating predetermined payment information for payment and / or payment of the purchased product Wealth, A web server provided with a payment request unit requesting payment processing by transmitting the payment information to a wired / wireless client terminal and / or a server processing payment approval; A face image information reading unit for reading face image information through a predetermined image input means; A payment means information reader for reading predetermined payment means information for payment processing through a predetermined card and / or key input; A wired / wireless client terminal having a transmission unit for transmitting the facial image information and payment means information to a server through a predetermined wired / wireless terminal; And A storage medium (1) provided for linking and storing facial image information received from the wired / wireless client terminal and payment information extracted and / or generated by the web server; A storage medium (2) for storing facial authentication information for authenticating a client's identity compared to facial recognition information read from the facial image information; A receiving unit for receiving predetermined payment information from the web server and / or receiving facial image information and payment means information from the wired / wireless client terminal; A recognition unit for recognizing face image information received from the wired / wireless client terminal and reading face recognition information; An extraction unit for extracting facial authentication information matching the facial recognition information from the storage medium 2; An authentication unit for determining whether the payment approval by comparing the facial recognition information and facial authentication information by authenticating the customer's identity, If the payment is approved, the server having a storage unit for storing in the storage medium 1 in association with the customer's face image information and the payment information; Payment processing system using the customer face image information, characterized in that When a customer purchases a certain tangible or intangible product through a predetermined wired / wireless client terminal, payment information extraction / generation for extracting and / or generating predetermined payment information for payment and / or payment of the purchased product Wealth, A web server provided with a payment request unit requesting payment processing by transmitting the payment information to a wired / wireless client terminal and / or a server processing payment approval; A face image information reading unit for reading face image information through a predetermined image input means; A payment means information reader for reading predetermined payment means information for payment processing through a predetermined card and / or key input; A wired / wireless client terminal having a transmission unit for transmitting payment information received from the web server, the face image information and payment means information to a server through a predetermined wired / wireless terminal; And A storage medium (1) provided for linking and storing facial image information received from the wired / wireless client terminal and payment information extracted and / or generated by the web server; A storage medium (2) for storing facial authentication information for authenticating a client's identity compared to facial recognition information read from the facial image information; A receiving unit for receiving payment information, facial image information, and payment means information from the wired / wireless client terminal; A recognition unit for recognizing face image information received from the wired / wireless client terminal and reading face recognition information; An extraction unit for extracting facial authentication information matching the facial recognition information from the storage medium 2; An authentication unit for determining whether the payment approval by comparing the facial recognition information and facial authentication information by authenticating the customer's identity, If the payment is approved, the server having a storage unit for storing in the storage medium 1 in association with the customer's face image information and the payment information; Payment processing system using the customer face image information, characterized in that When a customer purchases a certain tangible or intangible product through a predetermined wired / wireless client terminal, payment information extraction / generation for extracting and / or generating predetermined payment information for payment and / or payment of the purchased product Wealth, A web server provided with a payment request unit requesting payment processing by transmitting the payment information to a wired / wireless client terminal and / or a server processing payment approval; A face image information reading unit for reading face image information through a predetermined image input means; A payment means information reader for reading predetermined payment means information for payment processing through a predetermined card and / or key input; A recognition unit for recognizing the facial image information and reading facial recognition information; A wired / wireless client terminal having a transmitting unit for transmitting the face recognition information, the face image information, and payment means information to a server through a predetermined wired / wireless terminal; And A storage medium (1) provided for linking and storing facial image information received from the wired / wireless client terminal and payment information extracted and / or generated by the web server; A storage medium (2) for storing facial authentication information for authenticating a client's identity compared to facial recognition information read from the facial image information; A receiving unit for receiving predetermined payment information from the web server and / or receiving facial image information and payment means information from the wired / wireless client terminal; An extraction unit for extracting facial authentication information matching the facial recognition information from the storage medium 2; An authentication unit for determining whether the payment approval by comparing the facial recognition information and facial authentication information by authenticating the customer's identity, If the payment is approved, the server having a storage unit for storing in the storage medium 1 in association with the customer's face image information and the payment information; Payment processing system using the customer face image information, characterized in that When the customer purchases a certain tangible or intangible product through a predetermined client wire / wireless terminal, the payment information extraction / or extracting and / or generating predetermined payment information for the purchase price payment and / or payment A generation unit, A web server provided with a payment request unit requesting payment processing by transmitting the payment information to a wired / wireless client terminal and / or a server processing payment approval; A face image information reading unit for reading face image information through a predetermined image input means; A payment means information reader for reading predetermined payment means information for payment processing through a predetermined card and / or key input; A recognition unit for recognizing the facial image information and reading facial recognition information; A wired / wireless client terminal having a transmission unit for transmitting payment information received from the web server, the face recognition information, face image information, and payment means information to a server through a predetermined wired / wireless terminal; And A storage medium (1) provided for linking and storing facial image information received from the wired / wireless client terminal and payment information extracted and / or generated by the web server; A storage medium (2) for storing facial authentication information for authenticating a client's identity compared to facial recognition information read from the facial image information; A receiving unit for receiving payment information, facial image information, and payment means information from the wired / wireless client terminal; An extraction unit for extracting facial authentication information matching the facial recognition information from the storage medium 2; An authentication unit for determining whether the payment approval by comparing the facial recognition information and facial authentication information by authenticating the customer's identity, If the payment is approved, the server having a storage unit for storing in the storage medium 1 in association with the customer's face image information and the payment information; Payment processing system using the customer face image information, characterized in that During payment processing using a wired / wireless client terminal equipped with an image input means, The payment customer face that receives and stores the face image information of the payment customer read through the image input device provided in the wired / wireless client terminal from the wired / wireless client terminal and / or the payment processing terminal and / or the web server. Image information data files; And And a payment information data file for storing payment means information and / or payment approval information used by the payment customer during the payment processing through the wired / wireless client terminal. And storing and storing the payment customer face image information data file and the payment information data file. The method of claim 18, wherein the information storage medium, Information storage medium, characterized in that provided in the payment processing server and / or payment approval server corresponding to the customer payment means.