KR20060057369A - Electronic payment system with mobile communication terminal using a living body informations and its operating method - Google Patents

Abstract

The present invention relates to an electronic payment system of a mobile communication terminal using biometric information and a method of operating the same. The present invention relates to a mobile communication terminal having a mobile credit card for electronic payment, and to input biometric information from the mobile communication terminal. It comprises a credit terminal for performing a user authentication for credit transactions compared to the information and biometric information, and a credit transaction server for performing transaction approval in accordance with the authorization request sent from the credit terminal, credit card authentication In addition to performing the user authentication using the unique biometric information of each user, it is possible to prevent electronic payment of illegal users, which may occur due to loss, transfer, or duplication of the mobile communication terminal in advance. This effect is greatly enhanced and the user's convenience is increased.

Mobile communication terminal, biometric information, electronic payment, user authentication

Description

Electronic payment system with mobile communication terminal using a living body informations and its operating method}             

1 is a view showing the configuration of an electronic payment system of a mobile communication terminal using biometric information according to the present invention;

2 is a block diagram showing the configuration of a mobile communication terminal of the electronic payment system according to the present invention;

3 is a block diagram showing a credit terminal configuration of the electronic payment system according to the present invention;

4 is a block diagram showing a credit server configuration of the electronic payment system according to the present invention;

5 is a flowchart illustrating a mobile credit card registration method of the electronic payment system according to the present invention;

6 is a flowchart illustrating a transaction approval method of the electronic payment system according to the present invention.

<Explanation of symbols on main parts of the drawings>

10: mobile communication terminal 14: mobile credit card

20: credit terminal 22: data comparison unit

23: biometric information detection unit 30: credit transaction server

The present invention relates to an electronic payment system of a mobile communication terminal using biometric information and a method of operating the same. In particular, the present invention relates directly to the biometric information and a credit transaction terminal of a mobile communication terminal having a built-in or mounted mobile credit card. The present invention relates to an electronic payment system and a method of operating the mobile communication terminal using the biometric information to determine whether the biometric information of the credit requestor is matched.

Recently, a mobile credit transaction in which the credit card is coupled to a mobile communication terminal to perform electronic payment has been spreading.

In general, a credit card allows his authorized holder to purchase goods without cash or to receive a paid service through a credit card issuer's payment guarantee, and to conduct a bankbook transaction with a bank through a cash in / out device. do.

In addition, the credit card is stored in the credit information data so that when the card is used to check whether it is possible to pay for the credit card to determine whether to approve the transaction.

However, the mobile communication terminal equipped with the credit card focuses only on the authentication of the credit card rather than the user authentication in the credit transaction according to the electronic payment. In particular, the procedure for verifying the user by receiving the user's signature is only formal. There is a problem that there is no countermeasure against financial accidents by illegal users.

That is, when the mobile communication terminal is lost or transferred to another person, the mobile communication terminal does not use the credit card without going through a procedure such as a loss report and a suspension application to a financial institution or a card company in the same manner as a general credit card. There is a problem that can not be limited.

In addition, when the mobile communication terminal is duplicated by another person, since the credit information of the credit card provided in the mobile communication terminal is also duplicated, there is no countermeasure against a credit transaction by an illegal user, such as a general credit card financial accident. There is this.

In particular, when the mobile communication terminal is duplicated by another user, the user cannot confirm the duplication of the mobile communication terminal, so that a loss report and suspension application to a financial institution and a card company cannot be made in advance. You will not be able to stop the damage from using your credit card.

The present invention has been made in order to solve the above problems of the prior art, by transmitting the biometric information of the mobile communication terminal to the credit terminal to perform user authentication to determine whether the user is a legitimate user to prevent financial accidents by illegal users in advance It is an object of the present invention to provide an electronic payment system and a method of operating the mobile communication terminal using the biometric information to prevent.

Electronic payment system of a mobile communication terminal using biometric information according to the present invention for solving the above problems is a mobile communication terminal equipped with a mobile credit card for electronic payment, and the input biometric information is transmitted from the mobile communication terminal And a credit transaction server performing user authentication for credit transactions in comparison with credit information and biometric information, and a credit transaction server performing transaction approval in accordance with an authorization request sent from the credit transaction terminal. It is done.

In addition, the operating method of the electronic payment system of the mobile communication terminal using the biometric information according to the present invention comprises the first step of transmitting credit information and biometric information stored in the mobile communication terminal to the credit transaction terminal when a credit transaction is requested, A second step of performing user authentication by comparing the biometric information with the received biometric information, and a third step of performing transaction approval according to an electronic payment by transmitting credit information to a credit transaction server when it is determined that the user is a legitimate user. Is a second feature.

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings. 1 is a diagram showing the configuration of the electronic payment system of the mobile communication terminal using the biometric information according to the present invention, Figure 2 is a block diagram showing the configuration of a mobile communication terminal of the electronic payment system according to the present invention, Figure 3 Is a block diagram showing a credit terminal configuration of the electronic payment system according to the present invention, Figure 4 is a block diagram showing a credit transaction server configuration of the electronic payment system according to the present invention.

As shown in FIG. 1, the electronic payment system of the mobile communication terminal using the biometric information according to the present invention includes a mobile communication card 10 which is equipped with a mobile credit card and enables electronic payment from the mobile communication terminal 10. Receiving the transmitted data to perform the user authentication of the mobile communication terminal 10 and request a transaction approval according to the payment, and the transaction approval request received from the credit terminal 20 It is configured to include a credit transaction server 30 that performs the payment approval.

The mobile communication terminal 10 has a built-in or separately installed mobile credit card for storing credit information for electronic payment.

The mobile credit card is issued only to a user registered from a financial institution, and stores biometric information of the user of the mobile communication terminal 10 in addition to credit information for electronic payment.

In this case, the mobile credit card may be composed of a predetermined size of the IC chip, and may be mounted on the mobile communication terminal 10 or on a device such as a PDA or a notebook, as well as in the form of a key ring and a cell phone strap. Can be configured.

The biometric information is biometric data containing information unique to a specific user for distinguishing a specific user from other users, and data such as a fingerprint, an iris, a palm print, a face shape, a saliva, and a voice may be used. .

The mobile communication terminal 10 and the credit transaction terminal 20 can transmit and receive data through a wireless communication method, and the mobile communication terminal 10 transfers data of the mobile credit card to the credit transaction terminal 20. By sending you request a credit.

The credit terminal 20 is connected to the credit server 30 to the wired or wireless network / Internet network to transmit and receive data.

The credit terminal 20 transmits the data received from the mobile communication terminal 10 to the credit server 30 in response to a user's request and sends a message according to whether the credit server 30 is approved for payment. Electronic payment is performed by outputting.

In this case, the credit terminal 20 directly receives the biometric information from the user requesting a credit transaction and compares the biometric data with the biometric data received from the mobile terminal 10 to perform a user approval to determine whether the user is a legitimate user.

The credit server 30 checks the credit information for the received payment approval request and determines whether payment is possible, and stores the credit and biometric information of the registered user connected to the financial institution that issues the mobile credit card. And manage.

Referring to the configuration of the electronic payment system of the mobile communication terminal using the biometric information according to the present invention in more detail as follows.

As shown in FIG. 2A, the mobile communication terminal 10 includes a keypad 15 provided with a plurality of key buttons for receiving letters or numbers, and an operation state of the mobile communication terminal 10 including text, video, And a display unit 16 represented by an image and the like, and a memory 12 for storing programs and settings for driving the mobile communication terminal 10.

In addition, the mobile communication terminal 10 includes a communication module 13 for performing voice calls and data communication, the mobile credit card 14 for electronic payment, the keypad 15 and the display unit 16. It is configured to include a microcomputer 11 for implementing a user interface for electronic payment through the control.

In this case, the mobile credit card 14 is issued from a financial institution and the credit information data 14a such as serial number, expiration date, user information, etc. for the electronic payment, the fingerprint of the user registered in the credit information, And biometric data 14b such as iris, palm print, palm, saliva, and voice.

The microcomputer 11 displays a menu for electronic payment through the display unit 16 according to the manipulation of the keypad 15, and the data of the mobile credit card 14 is transmitted only through the menu for electronic payment. Be sure to

In addition, the microcomputer 11 stores the credit information data 14a and the biometric data stored in the mobile credit card 14 through the communication module 13 according to the manipulation of the keypad 15 on the electronic payment menu. 14b) is transmitted in a wireless communication method.

At this time, the communication module 13 is configured to include a wireless communication module, such as RF wireless communication, infrared communication (IrDa), Bluetooth.

In addition, the microcomputer 11 may set a password for the electronic payment menu, and if the electronic payment menu is called by storing the password in the memory 12, the password is input through the keypad 15 and compared with the password. By limiting the use of the mobile terminal 10 by others.

As another embodiment, the mobile communication terminal includes a biometric information sensor 17, as shown in FIG. 2B, and the same reference numerals and the same names are used for the same configuration as the embodiment shown in FIG. Description is omitted.

In this case, the microcomputer 11 receives the biometric information from the biometric information detector 17 and stores the biometric information in the memory 12. When the electronic payment menu is called, the microcomputer 11 receives the biometric information of the user and the data stored in the memory 12. By performing the user verification function of the mobile communication terminal 10 by comparing.

In this case, the data input through the biometric information detector 17 and the biometric data stored in the memory 12 are separate data from the biometric data 14b stored in the mobile credit card 14.

The biometric information detector 17 may be embedded or separately mounted in the mobile communication terminal 10, and performs a user identification function by recognizing biometric information such as a fingerprint and an iris.

On the other hand, the credit terminal 20 is a communication module 24 for transmitting and receiving data with the mobile communication terminal 10 or the credit server 30, as shown in Figure 3, and the mobile communication terminal And a memory 25 temporarily storing data received from the device 10, and a biometric information detector 23 for directly receiving biometric information of a user who has requested electronic payment.

In addition, the credit terminal 20 performs the user authentication according to the determination result of the data comparison determination unit 22 and the data comparison determination unit 22 to compare the biometric data to determine whether the match, and It is configured to include a control unit 21 for transmitting data to the credit transaction server (30).

The communication module 24 includes a wireless communication module such as RF wireless communication, infrared communication, and Bluetooth for transmitting and receiving data to and from the mobile communication terminal 10 in a wireless communication method. Or a wired / wireless communication module connected to the Internet network to perform data transmission / reception with the credit transaction server 30.

The biometric information detecting unit 23 recognizes biometric information such as a fingerprint, an iris, a palm print, a face, a saliva, a voice, and converts the digital data into digital data.

The controller 21 is the credit information data 14a and the biometric data 14b of the mobile communication terminal received through the communication module 24 and the user input by the biometric information detection unit 23. The biometric data is stored in the memory 25 and deleted after completion of data comparison determination for user approval and transmission to the credit server 30.

In addition, the data comparison determination unit 22 compares the directly input biometric data stored in the memory 23 with the received biometric data 14b to determine whether there is a match.

In this case, the controller 21 transmits the credit information data 14a for electronic payment to the credit transaction server 30 through the communication module 24 when the two biometric data data coincide. If the request is not matched, the rejection message is output.

As shown in FIG. 4, the credit server 30 includes a communication module 36 that performs data transmission and reception with the credit terminal 20, and a payment approval request received through the communication module 36. Credit approval unit 32 for determining whether the payment is possible, and the server control unit 31 for performing the electronic payment according to the determination result of the credit approval unit 32, and transmits the electronic payment approval or rejection message, It is composed.

In addition, the credit server 30 stores a credit transaction database 33 for storing the electronic payment transaction history approved by the credit approval unit 32, and the biometric data of the user registered as a credit user And a biometric information database 34 and a credit information database 35 in which credit information of the registered user is stored.

The credit transaction server 30 is connected to a financial institution through the communication module 36 to receive credit information and biometric information of a mobile credit card issued through the financial institution. 35) to manage it.

The biometric information database 34 stores the same biometric data as the biometric data stored in the mobile credit card of the registered user, and includes biometric data such as fingerprints, irises, palm prints, facial shapes, saliva, and voice. Information data can be stored.

In addition, the credit information database 35 is managed in conjunction with the biometric information database 34, and stores credit information data such as the user's serial number, expiration date, usage period, whether a bad transaction or the like for electronic payment.

The credit approval unit 32 retrieves the received credit information data from the credit information database 35 according to the payment approval request received from the credit transaction terminal 20 to check the expiration date, usage, bad transaction status, and the like. Determine whether payment is possible based on this.

When it is determined that the payment is possible from the credit approval unit 32, the server controller 31 performs an electronic payment in association with the financial institution, stores it in the credit transaction database 33, and stores the credit transaction terminal ( 20) and transmits the message according to the approval, and if the payment approval is rejected, generates a rejection message and transmits the rejection message to the credit terminal 20.

Therefore, the electronic payment system of the mobile communication terminal using the biometric information according to the present invention not only performs validation of the credit card, but also compares the biometric information stored in the mobile credit card with the biometric information inputted and whether the user is a legitimate user. By performing user approval, it is possible to prevent accidents caused by financial transactions of illegal users.

Looking at the operation of the present invention configured as described above are as follows. 5 is a flowchart illustrating a mobile credit card registration method of the electronic payment system according to the present invention, and FIG. 6 is a flowchart illustrating a transaction approval method of the electronic payment system according to the present invention.

The user visits a financial institution and requests issuance of a mobile credit card for electronic payment. (S1)

Biometric data having characteristics distinct from others for user authentication, that is, biometric data such as a user's fingerprint, iris, palm print, face, saliva, and voice are input. (S2)

In this case, the biometric data is digitally converted and stored.

The input biometric information and the user's credit information are stored in a mobile credit card to register the mobile credit card. (S3)

Credit information and biometric data of registered users are transmitted to the credit transaction server and managed separately, and used as data for payment approval when performing electronic payment.

The financial institution issues the mobile credit card storing the credit information and the biometric information to the user. (S4)

In the case of a mobile communication terminal having a built-in mobile credit card function, the credit card and the biometric information are registered in the embedded mobile credit card, so that a credit card is issued.

In addition, the mobile credit card is separately installed in the form of an IC chip or a memory chip in the mobile communication terminal and registered for use through a user interface provided in the mobile communication terminal. (S5)

The transaction approval method of the electronic payment system of the mobile communication terminal in which the mobile credit card is embedded or separately installed is as follows.

When purchasing an item or using a service, a credit transaction of a mobile credit card provided in a mobile communication terminal for electronic payment is requested. (S11)

An electronic payment menu is displayed through a user interface for electronic payment implemented in the mobile communication terminal, and credit information and biometric data stored in the mobile credit card are transmitted to the credit transaction terminal according to a user's key button manipulation. (S12)

In this case, the mobile communication terminal may transmit data through the electronic payment menu through a separate security process, and transmits the credit information and biometric data by comparing and receiving a password composed of letters or numbers of a certain digit. Do it.

In addition, when a separate biometric information sensor is provided, the mobile communication terminal compares the biometric data detected by the biometric information sensor with data previously stored in the mobile communication terminal to transmit information.

In this case, the data received through the biometric information sensor provided in the mobile communication terminal is biometric data separate from the biometric data stored in the mobile credit card, and plays the same role as the password for calling the electronic payment menu. Data.

For example, when the mobile communication terminal is equipped with a fingerprint reader and an electronic payment menu is called or a control command for data transmission is generated, a fingerprint input message is output before performing this operation, and a user's fingerprint is received. The control command is performed only when the data is matched with the stored data.

The credit terminal receiving the electronic payment request receives credit information and biometric data from the mobile communication terminal through a wireless communication method. (S13)

At this time, the wireless communication method may be a communication method such as RF wireless communication, infrared communication, Bluetooth.

The credit terminal temporarily stores the received credit information and biometric data in a memory provided therein.

Biometric information is directly input from the user who requested a credit transaction to perform user authentication.

The credit terminal receives biometric data such as a fingerprint, an iris, a palm (palm), a face, a saliva, and a voice directly through a biometric sensor provided therein. (S14)

The credit terminal determines whether the biometric data directly input is identical to the biometric data received from the mobile communication terminal, and performs user authentication according to whether the data matches. (S15)

For example, when the iris recognizer is provided, the iris data of the user is compared with the biometric data received from the mobile communication terminal to determine whether the iris data matches.

If the received biometric data and the directly input biometric data do not match, the credit terminal outputs a message for rejecting a credit transaction, and informs the user that the transaction is rejected because the user is not the same user. (S16)

If the two biometric data match, a credit transaction process for electronic payment is executed, and the credit approval data stored in the memory is transmitted to the credit transaction server to request payment approval. (S17, S18)

At this time, the credit terminal and the credit server are connected to a wired / wireless network network / internet network to perform data transmission and reception.

The credit server receives a payment approval request and credit information data received from the credit terminal.

The received credit information data is searched from the database of the credit transaction server to determine whether the payment is possible by checking the transaction information of the corresponding user, whether the usage is exceeded, whether the expiration date has elapsed, or whether it is a bad transaction. (S19)

The credit server generates a message that rejects the approval of credit information that has been exceeded in use or has been suspended due to a bad transaction. (S20)

In addition, the credit transaction server determines that payment is possible when the usage, validity, etc. of the received credit information is in a normal state, and approves the electronic payment, and performs the payment process accordingly. (S21)

The credit information server transmits data on the approval number, the transaction amount, the transaction target and the user, or the message data to reject the authorization to the credit transaction terminal. (S22)

The credit terminal outputs an approval or rejection message received from the credit server to the outside.

As described above, the electronic payment system and the operation method of the mobile communication terminal using the biological information according to the present invention has been described with reference to the illustrated drawings, but the present invention is not limited by the embodiments and drawings disclosed herein, It can be applied to the extent that the idea is protected.

The electronic payment system and the operation method of the mobile communication terminal using the biometric information according to the present invention configured as described above not only performs credit card authentication but also performs user authentication using unique biometric information of each user. It is possible to prevent electronic payment of illegal users, which may occur due to loss, transfer, duplication, etc. of the communication terminal in advance, thereby greatly enhancing security and increasing user convenience.

Claims (14)

A mobile communication terminal having a mobile credit card for electronic payment; A credit transaction terminal for performing user authentication for credit transactions by comparing input biometric information with credit information and biometric information transmitted from the mobile communication terminal; Electronic payment system of a mobile communication terminal using biometric information, characterized in that it comprises a credit transaction server for performing a transaction approval in accordance with the request for approval transmitted from the credit terminal. The method of claim 1, The mobile credit card is embedded or separately mounted in the mobile communication terminal, the electronic payment system of the mobile communication terminal using biometric information, characterized in that the credit information for electronic payment and the user's biometric information is stored. The method of claim 1, The mobile communication terminal includes a communication module for transmitting credit information and biometric information stored in the mobile credit card to the credit transaction terminal in a wireless communication method; Electronic payment system of a mobile communication terminal using biometric information, characterized in that it comprises a microcomputer that implements a user interface for electronic payment. The method of claim 1, The biometric information is a data such as fingerprint, iris, palm print, palm shape, saliva, voice, and the like, which is unique data that allows a specific user to be distinguished from other users. Electronic payment system. The method of claim 1, The credit terminal includes a biometric information detection unit for directly receiving the biometric information of the user requesting the electronic payment; The electronic device of the mobile communication terminal using the biological information, characterized in that it comprises a data comparison determination unit for comparing the biometric information received from the mobile communication terminal and the biometric information input from the biometric information detector to determine whether or not the same. Payment system. The method of claim 5, The credit terminal comprises a communication module for receiving credit information and biometric data from the mobile communication terminal, and transmitting and receiving data with the credit server; A memory for temporarily storing credit information and biometric data received through the communication module; And a control unit for performing a payment process according to a credit transaction if the biometric data is the same according to the determination result of the data comparison determination unit, and outputting a message for rejecting the credit transaction by determining that the biometric information is not the same and not a legitimate user. Electronic payment system of a mobile communication terminal using biometric information, characterized in that configured to. The method of claim 1, The credit server is a communication module for transmitting and receiving data with the credit terminal; A credit approval unit for determining whether to approve a transaction by confirming usage degree, bad transaction, etc. of credit information data received from the credit transaction terminal through the communication module; And a server control unit for generating a message according to whether or not the credit approval unit is approved for payment and transmitting the generated message to the credit transaction terminal. The method of claim 7, wherein The credit transaction server includes a biometric information database that stores data on biometric information of a user stored in the mobile credit card; A credit information database for storing credit information of the user of the biometric information; Electronic payment system of a mobile communication terminal using biometric information, characterized in that it comprises a credit transaction database for storing the electronic payment result data approved by the credit approval unit. The method of claim 2, The mobile credit card is an electronic payment system of a mobile communication terminal using biometric information, characterized in that mounted on the mobile communication terminal in the form of an IC chip. A first step of transmitting credit information and biometric information stored in a mobile communication terminal to a credit transaction terminal when a credit transaction is requested; A second step of performing user authentication by comparing the directly biometric information with the received biometric information; And a third step of performing transaction approval according to electronic payment by transmitting credit information to a credit transaction server when it is determined that the user is a legitimate user. The method of claim 10, The first step includes a first process of implementing a user interface for electronic payment of a mobile communication terminal; And a second process of transmitting the credit information and the biometric information stored in the mobile credit card to the credit transaction terminal through the user interface. The method of claim 10, The second step includes a third step of directly receiving the user's biometric information through the biometric information detection unit provided in the credit transaction terminal; A fourth step of comparing the input biometric data with the biometric data received from the mobile communication terminal; And if the two biometric data match, transmitting the received credit information to the credit transaction server and rejecting the request for credit if it does not match. Method of operation of electronic payment system of a mobile communication terminal using. The method of claim 10, The third step may include a sixth step of determining whether electronic payment is possible with respect to credit information received from the credit transaction terminal; And a seventh process of transmitting a transaction approval or rejection message to the credit transaction terminal according to the determination result of the electronic settlement possibility. The method of claim 13, In the sixth process, the credit transaction server searches for data on the received credit information from a database, and checks the usage, expiration date, and bad transaction, and determines whether electronic payment is possible. Electronic payment system of a mobile communication terminal.

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