KR20150064614A - Payment card printed owner's photo and telephone number and card reader for the same and identification method using the same - Google Patents

Abstract

The present invention provides a payment card used as a payment means and an identification method of a user. The payment card according to the present invention comprises: a photo of a card owner displayed on one surface; a telephone number of the card owner displayed together on the one surface; and a storage device for storing the photo image and the telephone number information of the card owner together with card information. According to the present invention, the illegal use of a payment card can be reduced as a user can be identified by allowing a seller to contrast the face of the user with the photo or call the telephone number as the photo and the telephone number of the owner are displayed on the payment card. Also, the possibility of illegal use of a payment card can be reduced as a person who has picked up or stolen the payment card is hindered by the photo and the telephone number of the owner displayed on the payment card so the payment card becomes difficult to use.

Description

[0002] The present invention relates to a payment card having a photo and a telephone number of an owner and a card reader for the same, and a method of confirming the same using the card,

The present invention relates to a method for easily confirming whether or not a user of various payment cards used for bill payment is an owner or not. More specifically, the present invention displays and stores the owner's photograph or phone number on a payment card, The user is able to confirm whether he or she is a person.

Recently, payment cards such as credit cards, check cards, and debit cards are commonly used as payment methods for various transactions, and illegal use of the payment card due to theft or loss is increasing. In addition, The number of cases of fraudulent use is also increasing.

Accordingly, various methods of confirming the identity of the user in the payment process of the payment card are introduced, and at least in the electronic commerce through online, the user is required to input the authentication number to the mobile phone of his or her own, Self-certification is being done.

In offline trading, however, the authentication of the person has not been done yet. Most payment cards show the owner's name and signature, so if you want, you can check your identity card or verify your identity by signing it, but if the seller is not satisfied with your inconvenience and dissatisfaction It is difficult to expect to positively confirm whether or not you are up to your chances.

Of course, there have been various attempts to prevent fraudulent use of payment cards in offline transactions.

For example, Japanese Patent Laid-Open Publication No. 2000-0034478 relates to a method of authenticating a person using an image of a payment card owner, specifically, a card inquiry device receives an image of a cardholder from a server of a card company and displays the image on a display It is characterized in that the seller can easily check whether the card user is the person himself or herself.

However, in order to verify the identity according to the method of the above-mentioned patent, since a card inquiry unit must have an internet communication function or a data communication function through a mobile communication network, a conventional card reader used for connection to a public switched telephone network (PSTN) I can not do it.

In addition, in order to accurately check the identity of the user, it is necessary to transmit a large-capacity photographic image having a high resolution. In such a case, it takes an excessive amount of time to identify the user due to an increase in the load of the communication network at the time of use of the payment card. There is a problem that can not be overcome.

On the other hand, since the conventional payment card does not have information on the owner's own contact, there is also a problem that the person who has acquired the payment card of the other person has no way of notifying him or her.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and it is an object of the present invention to allow a payment card user to check whether a payment card user is a person himself or herself more quickly and easily in an offline transaction.

It also aims to reduce the possibility of fraudulent use by displaying the cardholder's information more specifically on the payment card, and to allow the cardholder to quickly contact the cardholder.

In order to achieve the above object, one aspect of the present invention is a payment card used as a payment means, comprising: a photograph of a card holder displayed on one side; A telephone number of the card holder together displayed on the one surface; And a storage means for storing the photo image of the card holder and the telephone number information together with the card information.

According to another aspect of the present invention, there is provided a method for confirming whether or not a payment card user is authenticated through a card inquiry device, comprising: obtaining a telephone number of a payment card owner from a storage means of the payment card; And a message transmission step of transmitting an authentication message to the mobile phone of the payment card owner using the telephone number as a reception number, wherein the seller confirms whether the user is the identity by checking the authentication message in the mobile phone of the payment card owner Of the payment card user.

In the identity verification method, when the confirmation command is input through the confirmation hotkey provided in the card inquiry device after the telephone number acquisition step, the message transmission step proceeds.

According to still another aspect of the present invention, there is provided a method for confirming whether a user of a payment card is authenticated through a card reader, comprising: an image obtaining step of reading a photograph image of the payment card holder from a storage means of the payment card; And a screen display step of displaying the photo image on the screen of the display unit, wherein the seller checks the identity of the user by comparing the photo image displayed on the screen of the display unit with the face of the user .

In the identity verification method, when the confirmation command is inputted through the verification hotkey provided in the card inquiry device, the image acquisition step is performed, or when the confirmation command is inputted through the confirmation hotkey after the image acquisition step, And the step is performed.

According to still another aspect of the present invention, there is provided a method of confirming whether a payment card user is a user through a card inquiry device, the method comprising: a data acquiring step of reading data from a storage means of the payment card; An image checking step of checking whether the data includes a photographic image; Displaying the photo image on the screen of the display unit if the data includes the photo image; If the data does not include the photo image, it is checked whether the phone number of the owner of the payment card is included in the data. If the phone number is included in the data, And a message transmission step of transmitting the authentication message.

According to another aspect of the present invention, there is provided an information processing apparatus comprising: a card reading section for reading information stored in a payment card; A display unit for displaying operation information; An input unit for inputting an operation command; A confirmation hotkey provided on the input unit for identification of the user; A communication unit for supporting wired communication or wireless communication; And a control unit for controlling the communication unit to connect a call having the telephone number as a reception number or to transmit an authentication message if the confirmation hotkey is pressed.

The information stored in the payment card includes a photo image of the payment card owner, and the control unit of the card reader displays the photo image through the display unit.

The verification hotkey provided in the card reader may include at least one of an authentication message key and a telephone connection key.

According to the present invention, since the photograph of the owner and the telephone number are displayed on the payment card, the seller can confirm the identity of the user by collating the face of the user with the photograph or by making a telephone call using the displayed telephone number. Can be greatly reduced.

In addition, by showing your picture on the payment card, you can raise the pride of the card owner and increase the sense of responsibility for the use of the card, thus preventing the use of the card indiscriminately and without scale.

In addition, because of the photographs and telephone numbers displayed on the payment card, the person who acquires or acquires the payment card becomes psychologically shrinking, which makes it harder to use it, which can reduce the possibility of fraudulent use.

In addition, since the owner's phone number is displayed on the payment card, the person who has acquired the payment card of the other person can promptly inform the person of the payment card, thereby relieving the owner of the card by reporting the lost card and reissuing it.

In addition, since the authentication message can be transmitted to the owner's mobile phone through the card reader, and the user can instantly confirm the identity of the owner, the seller can easily and promptly confirm the identity of the user.

In addition, the image of the owner's own photograph can be displayed on the display unit of the card reader and can be compared with the user's face, thereby confirming the identity of the user more accurately and conveniently.

1 is a view showing a payment card according to an embodiment of the present invention;
2 is a block diagram of a personal identification system according to an embodiment of the present invention.
3 is a block diagram of a card reader according to an embodiment of the present invention.
4 is a diagram illustrating an example of a hot key for confirmation;
5 is a flowchart illustrating a method of identifying a principal according to an embodiment of the present invention.
6 is a flowchart illustrating a method of identifying a principal according to another embodiment of the present invention

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.

First, FIG. 1 shows a payment card 100 according to an embodiment of the present invention. The name of a card company (or a bank), a card number, an expiration date, an owner's name and the like are displayed on the front surface, The magnetic stripe and the IC chip 110 in which predetermined information is stored.

However, the payment card 100 according to the embodiment of the present invention is distinguished from the conventional payment card in that the photograph 120 of the owner and the telephone number 130 are printed on the front face of the card. The photograph 120 may submit a physical photograph or an image file at the time of applying for the card issuance, or may register by accessing a card company (or a bank) homepage or the like.

By printing the owner's photograph 120 and the telephone number 130 on the payment card 100 as described above, not only the owner's pride can be increased, but also the owner is more concerned with managing the card, thereby reducing the risk of loss or theft . In addition, the use of the card with the picture of the person is more responsive to the use of the card, so you can prevent the use of indiscreet and unscaled card.

Also, since the merchant checks the user's face against the user's face by comparing the photograph 120 displayed on the payment card 100 with the seller in the offline transaction, the person who learns or takes the payment card 100 is psychologically inferior and difficult to use The effect can be obtained.

In the meantime, even if the owner's own photograph 120 is printed on the payment card 100 as described above, it is necessary to confirm whether or not the user is in a different manner when the photograph 120 is faded due to use for a long period of time or is different from the user's face.

For example, the user may be asked to provide a personal identification card to match the name displayed on the payment card 100. This method has a limitation that it is difficult for the seller to positively confirm the payment because the user can consider it to be extremely uncomfortable.

Another example is a method in which the seller calls the party owner directly using the telephone number displayed on the payment card 100. However, since the customer must press the telephone button to confirm his / her identity in front of the customer, There is an inconvenience in that it is necessary to check every call.

To solve this inconvenience and to easily identify the user, an automated identification system and method are required. To do this, an owner's telephone number and / or a photograph image is stored in the IC chip 110 or magnetic strip of the payment card 100, It is desirable to confirm whether or not you are using it.

Hereinafter, a system and method for identifying a person who has come out of the background will be described in detail.

The identity verification system according to the embodiment of the present invention includes a card inquiry unit 10, a user's mobile phone 20, a wired and wireless communication network 30, a VAN company server 40 and a financial company server 50, .

The card inquiry device 10 reads out the information stored in the payment card 100 and requests the VAN company server 40 to approve the payment. The specific configuration will be described later.

The user's cellular phone 20 is a portable terminal supporting mobile communication and a text message function, and portable computer devices such as a tablet PC, a PDA, and the like may be included if they support such functions.

The wired / wireless communication network 30 is configured by selectively combining a wired or wireless Internet network, a private network, a mobile communication network, a public switched telephone network (PSTN), and the like.

After receiving the payment approval request from the card inquiry device 10, the VAN company server 40 confirms whether or not the payment approval has been made to the financial company server 50 that issued the payment card 100, Rejection) to the card inquiry unit 10. A payment gate (payment gate) (P / G) of a payment agency which is not shown in the figure but which relays the payment approval request transmitted from the card inquirer 10 to the VAN company server 40 may be included.

The financial company server 50 is a server of a bank or a credit card company issuing the payment card 100. The server stores personal information and credit information of the owner of the payment card. After receiving the payment approval request, And transmits the approval result to the card inquiry unit 10 via the VAN company server 40.

The card inquiry unit 10 includes a card reading unit 11, an input unit 12, a confirmation hotkey 13, a printer unit 14, a storage unit 15, a communication unit 16, a display unit 17, A control unit 18, a control unit 19, and the like.

The card reader 11 may be a magnetic reader for reading information recorded in the magnetic strip of the payment card 100 or an IC chip reader for reading information stored in the IC chip 110 .

Small-volume data such as a telephone number may be stored in a magnetic stripe, but large-volume data such as a photographic image is preferably stored in the IC chip 110. Therefore, although only a self reader may be provided for identification of a person using a telephone number, it is preferable that an IC chip reader is included for identification of a person using a photograph.

The input unit 12 includes a plurality of number buttons for inputting amounts and a predetermined hotkey, and may be provided in the form of a button or a selection menu displayed on the touch screen, as in the normal case.

Particularly, in the embodiment of the present invention, a confirmation hot key 13 for confirming the identity of the user is installed in a part of the input unit 12.

The confirmation hotkey 13 may be divided into an authentication message key 13a, a telephone connection key 13b and a photo request key 13c as shown in Fig. 4, A mode for requesting an authentication message, a mode for requesting a telephone connection, a mode for requesting a photograph, etc. may be sequentially changed each time the hotkey 13 is pressed.

The printer unit 14 outputs a sales slip, and the storage unit 15 stores a program for confirming the identity of the user and various data as well as a basic control program.

The communication unit 16 includes a telephone connection port which can be connected to a public switched telephone network (PSTN) like a conventional card reader. Particularly, the communication unit 16 of the card inquiry apparatus 10 according to the embodiment of the present invention includes data communication means in case of transmitting a text message for authentication (hereinafter referred to as 'authentication message') or receiving a photo image do. The data communication means may be a wired or wireless Internet access means or a mobile communication means supporting a data communication function.

The display unit 17 displays status information, operation information, user input information, and the like on the screen, the power source unit 18 provides driving power, and the control unit 19 controls the overall operation of the card reader 10 .

The card inquiry device 10 may be an independent device or may be implemented as a part of a POS (Point Of Sales) terminal which is frequently used in recent years. Since the card reading unit, the input unit, the display unit, the communication unit, the printer unit, and the like are basically included or connected to the POS terminal, the hotkey for confirmation is additionally disposed in the conventional POS terminal and the program for identifying the user is installed. Can be performed.

Therefore, in this specification, it is defined that the card inquiry device 10 includes not only an independent device but also a POS terminal having a card inquiry function.

Hereinafter, a method for confirming whether or not the payment card user is the user using the above-described personal identification system will be described in detail.

1. How to check your identity by phone number

5 is a flowchart sequentially showing a method of confirming whether or not a payment card user is a user using a telephone number.

When the customer presents the payment card 100 in the offline transaction, as described above, the seller can confirm whether or not he / she is the same by comparing the photograph printed on the payment card 100 with the face of the customer, The user can perform a normal payment process through the card inquiry unit 10.

That is, when the payment card 100 is brought into contact with the card reader 10, the card reader 10 reads the information stored in the magnetic stripe of the payment card 100 or the IC chip 110, The VAN company server 40 sends a payment approval request to the VAN company server 40 and the VAN company server 40 requests payment approval from the financial company server 50 that issued the payment card 100 and sends the approval result to the card inquiry machine 10). When the payment approval signal is received, the card inquiry unit 10 outputs the sales slip.

However, if the photographs do not match, are damaged, or are not easily verified, the seller can selectively perform the identification method according to the embodiment of the present invention.

In order to do this, the card reader 10 must first read the information stored in the payment card 100 (ST11). Then, when the seller presses or selects the confirmation hotkey 13 (ST12) The device 10 determines whether the information read from the payment card 100 includes a telephone number. (ST13)

Then, when the telephone number is stored, the control unit 19 of the card inquiry unit 10 controls the communication unit 16 to send an authentication message with the telephone number as the reception number. The authentication message should be stored in advance in the card inquiry unit 10, for example, in a phrase such as "OO restaurant, card use identity confirmation message - 2013.12.02 - ", and the specific expression is not particularly limited. (ST14)

The authentication message sent from the card inquirer 10 is displayed on the screen of the mobile phone 20 of the user and if the payment card user is a true owner, the authentication message displayed on the mobile phone 20 of the user is directly shown to the seller, have. (ST15)

According to this method, since the card inquiry device 10 directly sends the authentication message to the cellular phone 20 without requesting the VAN server 40 or the bank server 50 to send the authentication message, Time can be greatly reduced.

Therefore, during the confirmation of the identity of the user, the time for the seller and the customer to wait in an awkward state is reduced to a minimum, and only the received authentication message is shown from the customer's standpoint. Also, according to the seller's choice, since the user can easily check the identity of the user by using the hot key 13 for confirmation, the feeling of rejection of the identification of the user is reduced. As a result, Use can be greatly reduced.

If the owner's telephone number is not stored in the payment card 100 in step ST13, the card inquiry device 10 requests the VAN server 40 to send an authentication message. (ST16)

At this time, the VAN company server 40 receives the telephone number information of the customer from the financial company server 50 and transmits the authentication message to the mobile phone 20 (ST17) or may request the financial company server 50 to send the authentication message have.

On the other hand, when the owner's telephone number is not stored in the payment card 100 in step ST13, the user does not request the transmission of the authentication message to the VAN company server 40 and performs steps ST23 and ST24 of FIG. 6 It is also possible to set the photograph image of the user stored in the payment card 100 to be displayed on the screen of the display unit.

On the other hand, in the above embodiment, when the confirmation hotkey 13 is pressed, the card inquirer 10 transmits an authentication message to the mobile phone 20 of the user. (See ST14)

However, unlike this method, it is also possible to directly call the owner of the payment card by connecting a call to his / her cell phone 20 from the card inquirer 10. For this purpose, it is needless to say that the communication unit 16 of the card reader 10 must have a telephone connection function using a public telephone network or a mobile communication network, and a handset must be provided.

This method is very useful in situations where it is clear that the customer is not the payment card holder, because it can be a situation where the seller is calling the customer right in front of him and is often used. Housewives and students usually use payment cards from other family members, in which case they can immediately check with the owner himself or herself for fraudulent use.

2. How to check your identity using photos

FIG. 6 is a flowchart sequentially showing a method of confirming whether or not a payment card user is a person using a photograph.

Likewise, if the customer presents the payment card 100 in the offline transaction, the seller can confirm whether the user is the same by collating the photograph printed on the payment card 100 with the face of the customer. If the photograph is too small or damaged, This method can be selectively performed when it is difficult.

In this case as well, the card reader 10 reads the information stored in the payment card 100 in the same manner as the identification method using the telephone number, and the seller presses or selects the confirmation hotkey 13. (ST21, ST22)

The card reader 10 then determines whether a photographic image is stored in the IC chip 110 of the payment card 100 (ST23). If the photographic image is stored, the card reader 10 reads the photographic image and displays it on the display 17 . This method may be particularly useful for POS terminals with large-screen displays. (ST24)

According to this method, since there is no process of receiving a large-capacity photographic image from the financial company server 50 as in the method of the above-mentioned patent, it is possible to greatly reduce the time required for identification.

As a result, there is almost no time for the seller and the customer to wait awkwardly during identity verification. In addition, since the customer does not need any special action, there is no inconvenience. From the seller's point of view, it is easy to confirm the identity of the user by using the hotkey (13) for confirmation. Therefore, fraudulent use of the payment card is greatly reduced .

If the owner's photo image is not stored in the payment card 100 at step ST23, the card inquiry device 10 requests the financial company server 27 via the VAN company server 40 for a photo image. (ST25)

The bank server 27 receiving the request checks whether a photo image is stored (ST26). If there is a stored photo image as a result of the check, it transmits it to the card inquiry device 10 (ST27), and the card inquiry device 10 And displays the received photographic image on the screen of the display unit. (ST24)

If there is no picture image in step ST26, the financial company server 27 transmits an unconfirmable message to the card inquiry unit 10 (ST28). Upon receiving the unconfirmable message, the card inquiry unit 10 ends the confirmation procedure and waits Mode or proceeding from step ST13 of FIG. 5 to perform a confirmation procedure using the telephone number.

On the other hand, if the process of receiving a photographic image from the financial company server 27 is included in the identity verification method using the photographic image, the time required for the identity verification becomes long.

In order to prevent this, if it is determined in step ST23 that the photographic image is not stored, the card inquiry processor 10 terminates the checking procedure and switches the operation mode to the standby mode or continuously proceeds from step ST13 in FIG. You can set it up to perform the verification process.

As described above, various checking methods, such as transmitting an authentication message to the mobile phone 20 from the card inquirer 10, attempting a telephone conversation, displaying a photo image on the screen, etc., As shown in FIG.

4, an authentication message key 13a, a telephone connection key 13b, and a photo request key 13c corresponding to respective confirmation methods are stored in the confirmation hotkey 13 of the card inquirer 10, It is preferable to include the key 13c for the seller so that the seller can appropriately select a desired confirmation method.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, It is obvious that the scope of the present invention falls within the scope of the present invention.

10: Card reader 20: Your cell phone
30: wired / wireless communication network 40: VAN server
50: financial company server 100: payment card
110: IC chip 120: photo
130: Phone number

Claims (10)

In a payment card used as a payment means,
A picture of the cardholder displayed on one side;
A telephone number of the card holder together displayed on the one surface;
And a storage means for storing the photo image of the card holder and the telephone number information together with the card information
≪ / RTI > A method for confirming whether a payment card user is a user through a card inquiry device,
A telephone number obtaining step of reading the telephone number of the payment card holder from the storing means of the payment card;
A message transmission step of transmitting an authentication message to the mobile phone of the payment card owner using the telephone number as a reception number
Wherein the merchant confirms the identity of the payment card user by checking the authentication message on the mobile phone of the payment card holder 3. The method of claim 2,
When the confirmation command is inputted through the confirmation hotkey provided in the card inquiry unit after the phone number acquisition step, the message transmission step is performed. A method for confirming whether a payment card user is a user through a card inquiry device,
An image obtaining step of reading a photograph image of the payment card holder from the storing means of the payment card;
A screen display step of displaying the photographic image on the screen of the display unit
Wherein the seller checks the identity of the user by comparing the photograph image displayed on the screen of the display unit with the face of the user, 5. The method of claim 4,
When the confirmation command is inputted through the confirmation hotkey provided in the card inquiry device, the image acquiring step is performed, or if the confirmation command is inputted through the confirmation hotkey after the image acquiring step, How to identify yourself as a payment card user A method for confirming whether a payment card user is a user through a card inquiry device,
A data acquiring step of reading data from the storage means of the payment card;
An image checking step of checking whether the data includes a photographic image;
Displaying the photo image on the screen of the display unit if the data includes the photo image;
If the data does not include the photo image, it is checked whether the phone number of the owner of the payment card is included in the data. If the phone number is included in the data, A message transmission step for transmitting an authentication message
To verify the identity of the payment card user, including A computer-readable recording medium on which a program capable of executing the identification method of any one of claims 2 to 6 is recorded A card reading unit for reading information stored in the payment card;
A display unit for displaying operation information;
An input unit for inputting an operation command;
A confirmation hotkey provided on the input unit for identification of the user;
A communication unit for supporting wired communication or wireless communication;
A control unit for controlling the communication unit to connect a call with the telephone number as a reception number or transmit an authentication message when the confirmation hotkey is pressed;
A card reader having a personal identification function 9. The method of claim 8,
Wherein the information stored in the payment card includes a photo image of the owner of the payment card and the control unit displays the photo image through the display unit. 9. The method of claim 8,
Wherein the verification hotkey includes at least one of a key for authentication message and a key for telephone connection.

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