KR20140101322A - Point of sale system using sequencial fingerprints input, and the method therefor - Google Patents

Point of sale system using sequencial fingerprints input, and the method therefor Download PDF

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Publication number
KR20140101322A
KR20140101322A KR1020140085293A KR20140085293A KR20140101322A KR 20140101322 A KR20140101322 A KR 20140101322A KR 1020140085293 A KR1020140085293 A KR 1020140085293A KR 20140085293 A KR20140085293 A KR 20140085293A KR 20140101322 A KR20140101322 A KR 20140101322A
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South Korea
Prior art keywords
fingerprint
card
credit card
pos terminal
payment
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KR1020140085293A
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Korean (ko)
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KR101670543B1 (en
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이도훈
천정서
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이도훈
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Priority to KR1020140085293A priority Critical patent/KR101670543B1/en
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Priority claimed from PCT/KR2015/007048 external-priority patent/WO2016006924A1/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems

Abstract

The present invention relates to a point of sale (POS) system, and more particularly to a POS system which, when a payment is made with a credit card through a POS terminal, sequentially receives two or more fingerprints of a user from the POS terminal, configures a fingerprint combination code, transmits the fingerprint combination code to a payment server as a virtual card number recognized by the credit card having an effective number by a VAN server, allows the payment server to search for credit card information corresponding to the fingerprint combination code to make a payment, thereby reinforcing security and allowing a non-card payment, and a method of driving the same. The present invention provides a POS system using sequential fingerprint inputs in which, if a user selects an account trade using a bankbook using a fingerprint or a credit card trade for a POS and inputs a plurality of fingerprints in a predetermined order through a fingerprint identification unit, the fingerprint identification unit reads the input fingerprints and provides identification codes for the POS terminal in the input order, and generates a virtual card number identified by a credit card having a number available in the VAN server using the identification codes of the sequential fingerprint inputs provided from the fingerprint identification unit, and if payment data including the virtual card number is reconfigured and are transmitted to a payment server, the payment server searches a fingerprint card subscriber DB for a fingerprint combination code to read a corresponding credit card number, reads and extracts credit card information from the card subscriber DB using the read credit card number, and transmits an approval of the payment to the POS terminal, and a method of driving the same.

Description

Technical Field [0001] The present invention relates to a point-of-sale system using sequential fingerprint input,

The present invention relates to a point-of-sale (POS) system, in which when a credit card is paid through a POS (point of sale) terminal, two or more fingerprints are sequentially input from a POS terminal to a fingerprint combination code, And the payment server searches for and clears the credit card information corresponding to the fingerprint combination code, thereby enhancing security and using a sequential fingerprint input for enabling cardless payment POS system and a driving method thereof.

As a background of the present invention, Korean Patent Laid-Open Publication No. 10-2006-0097688, which is shown in FIG. 1, is a method of providing a financial card settlement service using biometric information. This technology relates to a method of providing a credit card payment service using biometric information (e.g., fingerprint information, iris information, gender information, vein information, DNA information) When the biometric information received from the financial card processing terminal is registered in the database, transmitting the financial card identification information of the customer corresponding to the biometric information to the corresponding financial company server A step of receiving corresponding information corresponding to the credit card identification information, which is required by the financial institution at the time of payment approval, from the financial company server, and transmitting the corresponding information required by the financial institution to the financial card processing terminal And allowing the financial card processing terminal to perform a normal financial card processing operation, It is characterized.

Another background art of the present invention is a credit payment method and system technology using fingerprint information of Korean Patent Laid-Open No. 10-2005-0023757 shown in FIG. 2. This technology relates to a method and system for providing a credit settlement service using a fingerprint of a purchaser in a credit settlement device installed in an affiliate store that sells a product or a service. The method includes scanning a fingerprint of a buyer, Transmitting fingerprint information including fingerprint minutia data to a fingerprint search server, receiving customer information and credit card information corresponding to fingerprint information from a fingerprint search server, receiving credit card information from a credit card company computerized system using credit card information, A step of requesting credit card payment approval for a product or service purchased by the purchaser, and a step of receiving a payment approval response signal from the credit card company's computer system, wherein the fingerprint search server generates a series corresponding to the fingerprint information in the fingerprint database Extract the number, and Site features to extract customer information, and credit card information corresponding to the serial number on the base.

KR 10-2006-0097688 A KR 10-2005-0023757 A KR 10-2009-0043193 A JP 2004310778 A JP 2004326472 A US 7604166 B2 US 20100306106 A1

In the present invention, when a user selects a credit card transaction through a POS terminal, the POS terminal sequentially receives two or more fingerprints from the user, generates fingerprint combination codes using the recognition codes, The present invention provides a POS system and a method for driving the POS system using a sequential fingerprint input for reconfiguring payment data including a virtual card number recognized as a credit card of a number and transmitting the payment data to a payment server, thereby enhancing settlement security, And to solve the problem.

In addition, the present invention provides a fingerprint authentication system that increases the number of fingerprint input sequences in accordance with a user's fingerprint input sequence and the number of fingerprint inputs, thereby preventing security from being hacked and preventing multiple fingerprints A POS system using a sequential fingerprint input capable of cardless transactions, and a method of driving the POS system.

The present invention is characterized in that when a user selects an account transaction or a credit card transaction using a passbook using a fingerprint for POS and inputs a plurality of fingerprints in a predetermined order through a fingerprint recognizer, The POS terminal generates a virtual card number recognized as a valid number of a credit card in the server of the VAN using the recognition codes of the sequential fingerprint input provided from the fingerprint recognizer, The payment server retrieves the fingerprint combination code from the fingerprint card subscriber DB and reads out the corresponding credit card number, and transmits the fingerprint combination code to the card subscriber using the read credit card number, Accept credit card information from DB and make payment and approve Parts provides a driving method and a POS system using a fingerprint input sequence, characterized in that arranged to transmit to the POS terminal to the solving means of the problem.

According to the POS system using the sequential fingerprint input and the driving method thereof, when a user selects a credit card transaction through a POS terminal and makes a payment, the POS terminal sequentially receives two or more fingerprints from the user, A fingerprint combination code is generated by using a virtual card number recognized as a valid number of a credit card in the server of the VAN and transmitted to the payment server, thereby enhancing settlement security and enabling cardless transactions .

In addition, the present invention provides a fingerprint authentication system that increases the number of fingerprint input sequences in accordance with a user's fingerprint input sequence and the number of fingerprint inputs, thereby preventing security from being hacked and preventing multiple fingerprints A fingerprint combination code composed of the readout results can be used to distinguish the user, thus providing a technical effect of enabling the cardless transaction.

Fig.
2 shows another background art,
3,
Figure 4
Figure 5
6,
Figure 7
Figure 8
9 is a cross-
Figure 10

The following merely illustrates the principles of the invention. Accordingly, those skilled in the art will be able to devise various apparatuses which, although not explicitly described or shown herein, embody the principles of the invention and are included in the concept and scope of the invention. It is to be understood that all of the conditional terms and embodiments recited herein are expressly intended to be purely for purposes of understanding the concepts of the present invention and are not intended to be limiting to such specifically recited embodiments and conditions . It is also to be understood that the detailed description, as well as the principles, aspects and embodiments of the invention, as well as specific embodiments thereof, are intended to cover structural and functional equivalents thereof.

The above objects, features and advantages will become more apparent from the following detailed description in conjunction with the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 3 shows the configuration and operation relationship of a conventional POS (point of sale) system. A conventional POS system includes a POS (point-of-sale) terminal 200 having a credit card reader for reading a user's credit card information and transmitting the credit card information to a payment server via a value added network (VAN) A payment server 300 for receiving payment information and credit card information from a payment server 200 through a value added network (VAN) to authenticate a subscriber and transmitting settlement approval information and performing settlement; And a card subscriber DB 500 for storing credit card information of the subscriber. In addition, the conventional POS system is configured to perform authentication of a user who receives a password from a user and receives a password.

In the conventional POS system as described above, there is a restriction that it is impossible to prevent theft by the third party when the credit card is lost or the personal information is leaked. As a countermeasure for this, there is a technique of inputting a fingerprint of a POS user and using it as an authentication means. The fingerprint authentication technique provides the fingerprint image of the user to the payment server from the POS, and the payment server compares the stored fingerprint image with the stored fingerprint image. However, such a fingerprint authentication technique increases the amount of data transferred between the POS terminal and the server, and requires a program for fingerprint recognition and contrast judgment to be additionally formed in the server, which increases the load of the system. In addition, since the fingerprint authentication technology described above is useless when the fingerprint information of the user's finger is leaked, accurate fingerprint reading can not be performed for quick payment processing, and thus there is a limit in using the fingerprint of the user as the auxiliary authentication means. In addition, even if the above-described fingerprint authentication technology is used, the user still has to hold a credit card for payment.

According to the present invention, when a user selects a credit card transaction through a POS terminal, the POS sequentially receives two or more fingerprints from the user, generates a fingerprint combination code by encoding the recognition result, The present invention also provides a POS system and a method of driving the POS system using a sequential fingerprint input to reinforce settlement security by enabling reconfiguration of payment data to be transmitted to a payment server. Accordingly, the POS system using the sequential fingerprint input of the present invention has a greater number of fingerprint input procedures and a greater number of fingerprint input cases according to the number of fingerprint input operations of the user, thereby enhancing security and preventing damage due to hacking and the like, It is possible to distinguish a user as a fingerprint combination code composed of a plurality of fingerprint readings without reading the fingerprint.

FIG. 4 shows the functional relationship between the POS system using the sequential fingerprint input of the present invention and the driving method thereof.

In the POS system using the sequential fingerprint input of the present invention, a user selects a credit card transaction using a fingerprint for the POS terminal 200 and inputs a plurality of fingerprints in a predetermined order through the fingerprint recognizer 100. The fingerprint recognizer 100 reads each input fingerprint and provides the read data to the POS terminal 200 in the input order. The POS terminal 200 generates a fingerprint combination code by using the read data of the sequential fingerprint input provided from the fingerprint recognizer 100, reconfigures the payment data including the virtual card number and transmits it to the payment server 300 via the VAN, Lt; / RTI > The payment server 300 extracts the fingerprint combination code from the received virtual card number, retrieves the fingerprint combination code from the fingerprint card subscriber DB 400, and reads the corresponding credit card number. Then, the payment server 300 reads out and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number, and transmits the approval to the POS terminal 200 via the VAN do.

According to the above-described POS system, when the user inputs a transaction from the POS 200 using a credit card, the payment server 300 performs settlement as credit card information of the card subscriber DB 500 as in the conventional case In the case of a transaction based on a fingerprint, the payment can be performed by linking the card subscriber DB 500 with the information of the fingerprint card subscriber DB 400 as meta data using only the fingerprint combination code, It is possible to perform settlement by only fingerprints without using a fingerprint.

However, in a typical POS system, a server (not shown) of a value added network (VAN) distinguishes a payment server provided for each card company using a credit card number included in information transmitted from the POS terminal 200, In particular, it is possible to judge whether the credit card number is valid, and the credit card having an invalid number can block transmission of information for settlement. Accordingly, when a fingerprint combination code is generated from a sequential fingerprint input to generate a virtual card number, the virtual card number must be recognized as a credit card of a valid number in the server of the VAN. In addition, The POS terminal 200 must provide a virtual card number for relaying the payment information to the payment server 300 of the selected credit card. To solve this problem, it is necessary to generate a virtual card number compatible with the existing credit card data structure.

FIG. 5 shows a track configuration of a conventional credit card magnetic stripe. The credit card is standardized by ISO 7810, ISO 7811, ISO 7813, etc. of the International Standard Organization (ISO). The data recording standard of the magnetic strip includes three tracks proposed by IATA, ABA and Thrift . Of these tracks, Track 1 is used for credit cards. Referring to the ISO standard, the number of bits stored in each track is 553 bits for track 1, 200 bits for track 2, and 535 bits for track 3.

FIG. 6 shows the external recording data configuration of the existing credit card. The credit card, apart from the magnetic strip, embosses or prints data for settlement on the outside of the card. The data includes a primary account number (PAN), an expiration date, a name of the subscriber and a card (CVC), which is printed on a mobile phone, and is provided so that payment can be made only by writing the payment data or inputting it online without using a card reader. The credit card number is given as a 16 digit number and the first number is the identifier MII (major industry identifier) numbered according to the application industry of the card. Table 1 below shows the number assignment table of MII.


0

ISO / TC 68 and other future industry assignments

One

Airlines

2

Airlines and other future industry assignments

3

Travel and entertainment and banking / financial

4

Banking and financial

5

Banking and financial

6

Merchandising and banking / financial

7

Petroleum and other future industry assignments

8

Healthcare, telecommunications and other future industry assignments

9

National assignment

Of the 16-digit numbers in the credit card number, the second-7th number is the bank number assigned to the card issuer and is the card issuer's unique number along with the first applicable industry sector identifier NII. Therefore, the VAN server described in FIGS. 3 and 4 reads the first-seventh digit of the card number, recognizes it as a unique number of the card issuer, and relays the payment information of the payment request card to the payment server of the card issuer. Since the unique numbers of the card issuing companies are assigned to the card issuers by the number differentiated according to the type of the card, the card issuer has a plurality of unique numbers assigned thereto and a payment server for each unique number.

Therefore, the 16-digit number of the credit card number is the 8th-15th number among the 16-digit number of the credit card number. The last digit of the credit card number is a check digit for determining whether the number of the credit card or the like is a valid number. The first digit of the 16-digit credit card number is used as a Luhn algorithm (Luhn algorithm).

FIG. 7 shows an example of determining a check digit by the Luhn algorithm. The Luhn algorithm computes the product of each number by computing the odd-numbered digits of the 16-digit number of the credit card number, and the odd-numbered digits of the 16-digit number of the credit card number. If the product of the numbers is a two-digit number, the number of each digit is added. If the product is a single digit, the sum is added to the total of 15 digits as shown in red in the drawing. If the sum is a multiple of 10 And the number of the check digit in the last 16th digit is obtained. Therefore, the VAN server described in FIGS. 3 and 4 reads out the first -15th digit of the card number and verifies the last 16th digit of the check digit by the Luhn algorithm to judge the validity of the card number. The check digit may be checked by the payment server of the corresponding card issuer to determine its validity again.

FIG. 8 shows the data arrangement of the magnetic stripe tracks of the existing credit card. As described above, the magnetic strip of the credit card uses three tracks of track 1, track 2 and track 3 proposed by IATA, ABA, Thrift, and the payment of the credit card uses the data of track 1. The POS system using the sequential fingerprint input of the present invention and the driving method thereof do not limit the track to be used. Hereinafter, credit card settlement using the track 1 will be described as an example of the characteristic configuration of the present invention.

The data of the credit card read through the card reader for payment is for track 1; (Start code) region in which the start character '%' of the credit card data is recorded, a format code field FC, a primary account number field in which the card number is recorded, an FS such as a field separator, a user name, an FS in which a field delimiter character '^' is recorded, an expiration date or an additional data field in which a service code is recorded, a CVC (card validation code) A discretionary data field in which data of a card issuing company is recorded, an ES (end sentinal) in which a character '?' For delimiting the end of credit card data is recorded, and a redundancy check character (LRC) .

The POS system using the sequential fingerprint input of the present invention and the driving method thereof use data of a start sentinal (SS), a format code (FC), a field separator (FS), an end sentinal (ES), and a logarithmic redundancy check character (LRC) Include; The user name field, the additional data field, and the discretionary data field are used by the card issuer, and thus they are composed of dummy data, and the PAN (primary account number) field in which the card number is recorded The virtual card number is recognized as a valid number of the credit card by allowing the data to be compatible with the data structure of the existing credit card by assigning the data to the virtual card number, A POS system using a sequential fingerprint input that enables payment information to be relayed to the payment server 300, and a driving method thereof.

FIG. 9 shows a basic configuration of a virtual card number for assignment as a primary account number (PAN) in a POS system using the sequential fingerprint input of the present invention and a driving method thereof. As shown in FIG. 6, among the 16-digit number of the credit card number, the second-seventh number is a bank number assigned to the card company. The first and second applicable industry sector identifiers NII, It becomes a number.

In the present invention, the unique number of the card issuing company is stored in advance in the POS terminal 200 for each card. The POS terminal 200 presents the payment information to the user, and when the user selects a credit card transaction using the fingerprint, the POS terminal 200 displays the settlement credit card stored in the POS terminal 200 by type. The POS terminal 200 extracts the card number of the card issuing company stored in advance with respect to the credit card selected by the user and stores the extracted number as a unique number of the card issuing company which is the first-seventh number of the virtual card number . It is preferable that the unique number of the card issuer is given a separate number by the card issuer only for the credit card using the fingerprint.

Next, when the user inputs a plurality of fingerprints in a predetermined order through the fingerprint recognizer 100, the fingerprint reader 100 reads each input fingerprint and inputs each recognition code to the POS terminal 200 ). The POS terminal 200 generates a fingerprint combination code using the read data of the sequential fingerprint input provided from the fingerprint recognizer 100 and generates a 15-digit virtual card number by combining the unique number of the card issuer and the fingerprint combination code do. Then, the POS terminal 200 completes the virtual card number by calculating the 16th check digit using the 15-digit virtual card number and the Luhn algorithm. The POS terminal 200 transmits the completed virtual card number and payment information to the payment server 300 via the VAN. The payment server 300 extracts the fingerprint combination code from the received virtual card number, retrieves the fingerprint combination code from the fingerprint card subscriber DB 400, and reads the corresponding credit card number. Then, the payment server 300 reads out and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number, and transmits the approval to the POS terminal 200 via the VAN do.

FIG. 10 shows an example of a fingerprint combination code generation mechanism in a POS system and a driving method thereof using the sequential fingerprint input of the present invention. The number of the fingerprints inputted in the POS system using the sequential fingerprint input and the driving method thereof is limited to two or more. In order to clarify the characteristic configuration of the present invention, three fingerprints are inputted.

As described above, the POS system using the sequential fingerprint input of the present invention as described above allows a user to select a credit card transaction using a passbook using fingerprints with respect to the POS 200 and to transmit a plurality of (three) Input the fingerprints in a predetermined order. The fingerprint reader 100 sequentially reads each input fingerprint and provides each of the recognition code 1, recognition code 2, and recognition code 3 to the POS terminal 200 as the read data. The POS terminal 200 generates an 8-digit fingerprint combination code by combining the code portions of the recognition code 1, recognition code 2, and recognition code 3 provided from the fingerprint recognizer 100, respectively. The POS terminal 200 reads out the unique number of the credit card issuer selected by the user, sets the unique number of the card issuer as the first-seventh number of the virtual card number, combines the 8-digit fingerprint combination code, Generates a card number, and calculates a 16th check digit by using the Luhn algorithm to complete the virtual card number, and transmits the data to the payment server 300 together with the payment information on the data of the PAN (primary account number).

Although a fingerprint combination code is generated by combining codes of recognition code 1, recognition code 2, and recognition code 3 in the figure, it is possible to combine the recognition codes with an arbitrary rule if necessary, It is also possible to generate fingerprint combination codes through the process.

FIG. 11 shows an example of a fingerprint card subscriber DB 400 configuration in a POS system using the sequential fingerprint input of the present invention.

As described above, the payment server 300 of the present invention includes a card subscriber DB 500 for storing account information and credit card information for performing transactions through the POS terminal 200 as a general credit card, And a fingerprint card subscriber DB 400 for storing meta data so that the card subscriber DB 500 can be linked to a virtual card number composed of a card type and a fingerprint combination code to perform settlement. As shown in the figure, the fingerprint card subscriber DB 400 is provided with metadata including a fingerprint combination code for each subscriber and a card number of the subscriber corresponding to the fingerprint combination code. The payment server 300 may read the credit card number from the metadata corresponding to the fingerprint combination code transmitted from the POS terminal 200. The metadata may further include a password corresponding to the credit card number of the subscriber Additional security may be provided by configuring and entering a password from the user. The configuration of the fingerprint card subscriber DB 400 provides an advantage that the user can perform transaction of the credit card only by sequentially inputting fingerprints without a card.

FIG. 12 shows the configuration of the POS terminal 200 of the present invention. The POS terminal 200 of the present invention includes a controller 210 for controlling the POS terminal 200, an input / output unit 220 including a credit card reader, a touch screen, and a display; An input / output device interface 230 for driving the input / output unit 220 and performing data input / output under the control of the controller 210; a payment server communication unit 240 for performing communication between the controller 210 and the payment server; . The POS terminal 200 according to the present invention includes a fingerprint recognizer 100 for recognizing a plurality of fingerprints input from a user and providing the fingerprints to the POS terminal 200 as a recognition code, A fingerprint combination code generation unit 260 for generating a fingerprint combination code from recognition codes and providing the fingerprint combination code to the controller 210; A settlement information buffer 250 for storing information including a unique number of a credit card issuer by a user selection, a payment amount, etc., under the control of the controller 210; And a card company information storage unit 270 for providing the controller 210 with a unique number of a credit card issuer corresponding to the card.

Accordingly, the POS terminal 200 of the present invention allows a user to select a transaction based on a fingerprint and a credit card, and then, when the user inputs a plurality of fingerprints in a predetermined order through the fingerprint recognizer 100, Reads the input fingerprints, and provides the recognition codes to the fingerprint combination code generation unit 260 in the input order. The fingerprint combination code generating unit 260 generates a fingerprint combination code from the recognition codes provided from the fingerprint recognizer 100 and provides the fingerprint combination code to the controller 210. The controller 210 generates the fingerprint combination code, The virtual card number including the unique number of the credit card issuer corresponding to the card and the payment amount stored in the payment information buffer 250 to the payment server 300 through the payment server communication unit 240. [ As the virtual card number is provided, the payment server 300 searches the fingerprint card subscriber DB 400 for the fingerprint combination code and reads the corresponding credit card number. Then, the payment server 300 reads out and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number, and transmits the credit card information to the POS terminal 200. [ The operation of the POS system using sequential fingerprint input is achieved.

FIG. 13 shows the configuration of the payment server 300 of the present invention. The payment server 300 of the present invention includes a control unit 310 for controlling the payment server 300 and a POS terminal communication unit 330 for performing data communication between the control unit 310 and the POS terminal 200, ; And a POS terminal information buffer 340 for receiving and storing information including a virtual card number including a fingerprint combination code provided from the POS terminal 200 and a payment amount. The control unit 310 includes a card subscriber DB 500 for storing credit card information for performing a transaction through the POS terminal 200 as a credit card and a card subscriber DB 500 for storing a credit card issuer unique number A fingerprint card subscriber DB 400 for storing meta data in order to perform settlement in connection with the card subscriber DB 500 according to a fingerprint combination code of a virtual card number, ) Includes a payment module 320 for performing payment through the POS 200 as credit card information provided from the card subscriber DB 500. [

Therefore, the payment server 300 of the present invention is provided with the fingerprint combination code generated from the plurality of sequential recognition codes input from the fingerprint recognizer 100 and the virtual number including the unique number of the credit card issuer corresponding to the card selected by the user When the POS terminal 200 receives the information including the card number and the payment amount from the POS terminal 200, the control unit 310 stores the received information in the POS terminal information buffer 340, 300 reads the fingerprint combination code from the fingerprint card subscriber DB 400 and reads the corresponding credit card number. Then, the control unit 310 of the payment server 300 reads and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number, performs payment through the payment module 320, To the POS terminal 200, thereby completing settlement.

FIG. 14 shows a flowchart of a method for driving a POS system using the sequential fingerprint input of the present invention. In the following description, the fingerprint recognizer 100 and the POS terminal 200 have been described separately. However, in order to clarify the characteristic configuration of the driving method of the present invention, And is connected to the POS terminal 200 to be included. Therefore, it should be understood that the POS terminal 200 in the following description includes the fingerprint recognizer 100.

A driving method for a POS system using the sequential fingerprint input of the present invention comprises:

A step S100 of providing a menu for the user to select a payment amount and a card for fingerprint settlement from the POS terminal 200;

A card for fingerprint payment using a fingerprint by the user is selected and a user inputs a plurality of fingerprints to the POS terminal 200 in a predetermined order through the fingerprint recognizer 100 in operation S110, ;

Next, when the fingerprint recognizer 100 reads each of the inputted fingerprints and provides a recognition code, the POS 200 generates a fingerprint combination code from the recognition codes and generates a fingerprint combination code corresponding to a credit card (S120) of generating a virtual card number including a unique number of the issuer and a check digit,

The POS 200 transmits the virtual card number and the payment amount information to the payment server 300 as payment information (S130)

In step S140, the payment server 300 extracts a fingerprint combination code from the received payment information and reads a corresponding credit card number from the fingerprint card subscriber DB 400 in step S140. ≪ / RTI >

Next, the payment server 300 reads out the user's credit card information for performing payment from the card subscriber DB 500 using the credit card number read from the fingerprint card subscriber DB 400 (S160) (S170). Then,

- Performing settlement using the credit card information of the user read out and extracted from the card subscriber DB 500 (S180)

- transmitting the approval or disapproval to the POS terminal 200 (step S190), the driving method for the POS system using the sequential fingerprint input of the present invention is completed.

When a user selects a credit card transaction through a POS terminal, the POS sequentially receives two or more fingerprints from the user, constructs a fingerprint combination code using the recognition codes, and obtains a valid number The present invention provides a POS system and a method of driving the POS system using a sequential fingerprint input for generating a virtual card number recognized as a credit card and transmitting the generated virtual card number to the payment server as payment information to enhance settlement security and enable transactionless cardless transactions.

In addition, the POS system using the sequential fingerprint input of the present invention has an increased number of cases in accordance with the user's fingerprint input sequence and the number of two or more fingerprint inputs, thereby enhancing security and preventing damage due to hacking and the like, It is possible to distinguish a user as a fingerprint combination code composed of a plurality of fingerprint readings without reading the fingerprint.

Although the POS system using the sequential fingerprint input of the present invention and the driving method thereof have been described with reference to the limited embodiments and drawings, the present invention is not limited thereto and can be applied to a person having ordinary skill in the art It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the appended claims and their equivalents.

100: fingerprint reader 200: POS (automated teller machine)
210: controller 220: input / output unit
230: input / output interface 240: payment server communication unit
250: payment information buffer 260: fingerprint combination code generation unit
300: Payment server 310:
320: Payment module 330: POS terminal communication part
400: fingerprint card subscriber DB 500: card subscriber DB

Claims (10)

1. A point-of-sale system using sequential fingerprint input that sequentially receives two or more fingerprints from a user and enables cardless transactions,
A POS terminal 200 for the user to select a credit card transaction using a fingerprint;
And a fingerprint recognizer (100) for inputting a plurality of fingerprints of a user in a predetermined order and reading each input fingerprint and providing the read data to the POS terminal (200) in an input order,
The POS terminal 200 generates a fingerprint combination code by using the read data of the sequential fingerprint input provided from the fingerprint recognizer 100, reconfigures the payment data including the virtual card number and transmits it to the payment server 300 via the VAN, Lt; / RTI >
The payment server 300 extracts the fingerprint combination code from the received virtual card number, retrieves the fingerprint combination code from the fingerprint card subscriber DB 400, reads the corresponding credit card number,
The payment server 300 reads out and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number, and transmits the credit card information to the POS terminal 200 via the VAN A POS system using sequential fingerprint input
The POS terminal (200) according to claim 1,
Stores the unique number of the card issuer in advance for each card,
When the POS terminal 200 presents the payment information to the user and the user selects a credit card transaction using fingerprints, the POS terminal 200 displays the creditable credit cards stored in the POS terminal 200,
When the user selects a card to be paid for, the POS terminal 200 extracts the unique number of the card issuing company stored in advance for the credit card selected by the user, and obtains the unique number of the card issuer, which is the first-seventh number of the virtual card number Quot;
When the user inputs a plurality of fingerprints through the fingerprint recognizer 100 in a predetermined order, the fingerprint reader 100 reads the input fingerprints and provides each recognition code to the POS terminal 200 in the input order In addition,
The POS terminal 200 generates an 8-digit fingerprint combination code using the read data of the sequential fingerprint input provided from the fingerprint recognizer 100, combines the unique number of the card issuer with the fingerprint combination code, A POS system using a sequential fingerprint input
The POS terminal (200) according to claim 2,
Generates a 15-digit virtual card number by combining the unique number of the card issuer and the fingerprint combination code,
And generating a 16-digit virtual card number as a primary account number (PAN) by calculating a 16th check digit using the Luhn algorithm for the 15-digit virtual card number.
The fingerprint combination code according to claim 1,
A fingerprint combination code of 8 digits is generated by combining a part of each of a plurality of recognition codes provided from the fingerprint recognizer 100 to the POS terminal 200,
Or a fingerprint combination code is generated through an encryption process using the recognition codes.
The billing server (300) according to claim 1,
A card subscriber DB 500 for storing account information and credit card information for performing a transaction through the POS terminal 200 as a general credit card,
A fingerprint card subscriber DB 400 for storing meta data so that the card subscriber DB 500 can be linked to the card subscriber DB 500 according to a virtual card number composed of a card type selected by a user and a fingerprint combination code, Respectively,
Wherein the fingerprint card subscriber DB 400 includes meta data in which a fingerprint combination code for each subscriber and a card number of a subscriber corresponding to the fingerprint combination code are grouped as shown in the figure, system
The method of claim 5,
A credit card number corresponding to a subscriber's credit card number, and inputting a password from a user.
The POS terminal (200) according to claim 1,
A controller 210 for controlling the POS terminal 200,
An input / output unit 220 including a credit card reader and a touch screen, and a display;
An input / output device interface (230) for driving the input / output unit (220) and performing data input / output under the control of the controller (210)
A payment server communication unit 240 for performing communication between the controller 210 and the payment server;
A fingerprint recognizer (100) for recognizing a plurality of fingerprints input from a user and providing the fingerprints to the POS terminal (200)
A fingerprint combination code generation unit 260 for generating fingerprint combination codes from the recognition codes provided from the fingerprint recognizer 100 and providing the fingerprint combination codes to the controller 210; And
A payment information buffer 250 for storing information including a credit card issuer's unique number and a payment amount by user selection under the control of the controller 210;
And a cardholder information storage unit (270) for storing a unique number of the credit card issuers and providing the controller (210) with a unique number of the credit card issuer corresponding to the card selected by the user. POS system using
The billing server (300) according to claim 1,
A control unit 310 for controlling the payment server 300;
A POS terminal communication unit 330 for performing data communication between the control unit 310 and the POS terminal 200; And
And a POS terminal information buffer 340 for receiving and storing information including a virtual card number including a fingerprint combination code provided from the POS terminal 200 and a payment amount,
The control unit 310 includes a card subscriber DB 500 for storing credit card information for performing a transaction through the POS terminal 200 as a credit card,
A fingerprint card for storing meta data so that a payment can be performed in connection with a card subscriber DB 500 according to a fingerprint combination code of a virtual card number including a unique number of a credit card issuer for a transaction based on a fingerprint A subscriber DB 400 is connected,
And a payment module (320) for performing settlement through the POS (200) as credit card information provided from the card subscriber DB (500) to the control part (310) system
The method according to claim 1, wherein the payment data including the virtual card number includes:
(Start code) region in which the start character '%' of the credit card data is recorded, a format code field FC, a primary account number field in which the card number is recorded, an FS such as a field separator, a user name, an FS in which a field delimiter character '^' is recorded, an expiration date or an additional data field in which a service code is recorded, a CVC (card validation code) A discretionary data field in which data of a card issuing company is recorded, an ES (end sentinal) in which a character '?' For delimiting the end of credit card data is recorded, and a redundancy check character (LRC) For the data of the credit card being composed,
(SS), FC (format code), FS (field separator), ES (end sentinal), and LRC (logitudinal redundancy check character) data;
The user name field, the additional data field, and the discretionary data field are used by the card issuer, and thus they are configured as dummy data,
(POS) system using sequential fingerprint input, characterized in that data of a primary account number (PAN) in which a card number is recorded is assigned to a virtual card number
1. A method of operating a point-of-sale system using sequential fingerprint input that sequentially receives two or more fingerprints from a user and enables cardless transactions,
A step S100 of providing a menu for the user to select a payment amount and a card for fingerprint settlement from the POS terminal 200;
A card for fingerprint payment using a fingerprint by the user is selected and a user inputs a plurality of fingerprints to the POS terminal 200 in a predetermined order through the fingerprint recognizer 100 in operation S110, ;
Next, when the fingerprint recognizer 100 reads each of the inputted fingerprints and provides a recognition code, the POS 200 generates a fingerprint combination code from the recognition codes and generates a fingerprint combination code corresponding to a credit card (S120) of generating a virtual card number including a unique number of the issuer and a check digit,
The POS 200 transmits the virtual card number and the payment amount information to the payment server 300 as payment information (S 130)
In step S140, the payment server 300 extracts a fingerprint combination code from the received payment information and reads a corresponding credit card number from the fingerprint card subscriber DB 400 in step S140. ≪ / RTI >
Next, the payment server 300 reads out the user's credit card information for performing payment from the card subscriber DB 500 using the credit card number read from the fingerprint card subscriber DB 400 (S160) (S170). Then,
- Performing settlement using the credit card information of the user read out and extracted from the card subscriber DB 500 (S180)
(S190) of transferring approval or disapproval to the POS terminal 200. The POS system using the sequential fingerprint input according to the present invention comprises a step of completing a driving method for the POS system using the sequential fingerprint input How to run the system
KR1020140085293A 2014-07-08 2014-07-08 Point of sale system using sequencial fingerprints input, and the method therefor KR101670543B1 (en)

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