KR20150121892A - Payment method, apparatus and sytem for recognizing information of line body service in the system - Google Patents

Abstract

The present invention relates to a payment method using biometric information recognition, an apparatus and a system for the same, wherein a terminal device of a payment system presets a biometric information recognition manner to be used in a payment service, registers payment information and biometric registration information about biometric information recognized according to the preset biometric information recognition manner, and recognizes biometric information according to the preset biometric information recognition manner at the time of a payment request and, when payment is requested by using the recognized biometric information, a service device receives and previously registers the biometric registration information and the payment information from the terminal device, performs user authentication by comparing the biometric information received from the terminal device at the time of the payment request with the previously registered biometric registration information, performs the requested payment process by using the payment information mapped to the biometric information and registered when succeeding in the user authentication, and then transmits the payment process result information to the terminal device, thereby more accurately performing user authentication and enhancing security at the time of payment.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method using biometric information recognition,

The present invention relates to a payment service, and more particularly, to a payment method using biometric information recognition for performing authentication of a user using biometric information obtained through biometrics of a user and automatically performing a payment service according to an authentication result, ≪ / RTI >

The contents described in this section merely provide background information on the present embodiment and do not constitute the prior art.

2. Description of the Related Art [0002] Numerous terminals such as a personal computer, a cell phone, and the like have been implemented to perform more complex and diverse functions due to rapid development of information and communication technology.

For example, a user of a cellular phone can use an Internet connection, a web surfing, and the like through data communication beyond the use of a conventional voice call, and furthermore, while browsing the web, E-commerce services can be used.

On the other hand, biometrics is a method of extracting unique biometric information such as fingerprints, irises, sweat glands, blood vessels, and the like, which are different for each individual, and informing the biometric information. Personal identities such as face shape, voice, fingerprint, eyeball, etc. can not be used by theft or duplication of another person like a key or a password, and there is no danger of being changed or lost, and it is excellent in security field. In particular, since it is possible to trace the users afterwards, it is also possible to construct a secure system in terms of management. Examples of such biometrics are Finger scan, Vein recognition, Iris scan, Speech recognition, and Face recognition.

Such biometrics have been used in fields requiring identification of individuals by existence, convenience, and the like.

Korean Patent Publication No. 2010-0015167, February 12, 2010 (name: user recognition device and user recognition method)

The present invention has been proposed in order to solve the inconvenience of the prior art. The present invention performs authentication of a user using biometric information obtained through biometrics of a user and automatically performs a payment service according to an authentication result, And a payment method using biometric information recognition capable of enhancing security at the time of payment, and an apparatus and system for the same.

According to another aspect of the present invention, there is provided a terminal device including: a communication unit for transmitting / receiving data for a payment service using biometric information in cooperation with a service device through a communication network; A biometric unit for recognizing biometric information to be used for a payment service; And a biometric information recognizing method that is functionally connected to the communication unit and the biometric unit to set a biometric information recognizing method to be used in the payment service in advance and to transmit biometric registration information and payment information for the recognized biometric information according to a preset biometric information recognizing method And transmits the biometric information and the payment request information recognized according to the preset biometric information recognition method to the service device when requesting the payment, and the user authentication and payment processing The control unit may receive the settlement processing result information from the service apparatus.

In the terminal device according to the preferred embodiment of the present invention, the control unit receives the first biometric information and the second biometric information recognized in accordance with the predetermined biometric information recognition method in the biometric unit, The biometric information and the second biometric information, and transmits the payment request message including the generated payment authentication information and the payment request information to the service device.

In the terminal device according to the preferred embodiment of the present invention, the control unit may store first biometric information recognized by the biometric unit in accordance with the physical characteristics or habits of the user inputted according to the first biometric information recognition guidance, It is possible to perform user authentication by receiving from the biometric unit and checking whether the received first biometric information matches the previously stored first biometric registration information.

In the terminal device according to the preferred embodiment of the present invention, the controller performs guidance for recognizing the second biometric information when the user authentication is successful, 2 biometric information from the biometric unit, and transmit the payment request message including the received second biometric information and payment request information to the service device.

In the terminal device according to the preferred embodiment of the present invention, the biometrics unit may include at least one sensor for recognizing the first biometrics information; And a recognition device for recognizing the second biometric information.

According to another aspect of the present invention, there is provided a service device comprising: a communication unit for transmitting / receiving data for a payment service using biometrics in cooperation with one or more terminal devices through a communication network; And biometrics registration information and payment information for biometrics information recognized in accordance with the biometrics information recognition method to be used in the payment service from the terminal apparatus, and registers the biometrics information received at the time of the payment request from the terminal apparatus, And a service providing unit for performing user authentication in comparison with the biometric registration information and performing a requested payment process using the registered payment information mapped to the biometric information when the user authentication is successful.

In the service device according to the preferred embodiment of the present invention, the service providing unit may receive the payment authentication information generated by combining the first biometric information and the second biometric information recognized according to the preset biometric information recognition method from the terminal device The user can perform the user authentication by comparing the received payment authentication information with the pre-registered biometric registration information.

In the service device according to the preferred embodiment of the present invention, when the first user authentication is successful using the first biometric information according to the physical characteristics or habits of the user at the terminal device, Receiving the second biometric information recognized according to the recognition method from the terminal device, and comparing the received second biometric information with the pre-registered biometric registration information to perform the second user authentication.

In the service device according to the preferred embodiment of the present invention, when the second user authentication is successful, the service providing unit transmits the payment information mapped to the previously registered biometric registration information corresponding to the second biometric information, Information is transmitted to a settlement apparatus connected through a communication network to request a settlement processing, and upon receipt of settlement result information according to a settlement processing request from the settlement apparatus, the settlement processing result information received can be transmitted to the terminal apparatus.

In the service device according to the preferred embodiment of the present invention, when the service providing unit receives payment authentication information combining two or more biometric information recognized according to the preset biometric authentication method from the terminal device, The first user authentication is performed by comparing previously registered biometric registration information corresponding to any one of the biometric information included in the biometric information, and when the user authentication is successful, Authentication can be performed.

According to another aspect of the present invention, there is provided a billing system for setting a biometric information recognition method for use in a payment service in advance, A terminal device for registering information and payment information, recognizing biometric information according to the predetermined biometric information recognition method upon request for payment, and requesting payment using the recognized biometric information; And a biometrics registration server for receiving biometrics registration information and payment information from the terminal apparatus in cooperation with the terminal apparatus via a communication network and registering the biometrics registration information and payment information in advance and comparing the received biometrics information with the previously registered biometrics registration information, And a service device for performing user authentication, performing a requested payment process using the payment information mapped to the biometric information when the user authentication is successful, and transmitting payment process result information to the terminal device can do.

According to another aspect of the present invention, there is provided a payment method using biometric information recognition in a terminal device, comprising: setting a biometric information recognition method to be used in a payment service through a registration function of a payment application in advance; ; Generating biometric information recognized as biometric registration information according to a preset biometric information recognition method; Transmitting the created biometrics registration information and payment information for the payment service to the service device and registering the same; Recognizing biometric information input from a user according to the predetermined biometric information recognition method when a payment is requested from a user; Requesting a settlement process to the service device using the recognized biometric information; And receiving the settlement processing result information from the service apparatus when the user authentication and settlement processing is completed using the biometric information by the service apparatus.

In a payment method using biometric information recognition in a terminal device according to a preferred embodiment of the present invention, the step of recognizing biometric information input by a user according to the predetermined biometric information recognition method upon a payment request from the user, Performing a guidance for recognizing a first biometric information when receiving a payment request from a user; Recognizing first biometric information according to a physical characteristic or a habit of the user; Confirming whether the recognized first biometric information matches the first biometric registration information stored in advance, and performing user authentication; Performing guidance for recognizing a second biometric information when the user authentication is successful; And recognizing second biometric information for performing user authentication in the service device.

According to another aspect of the present invention, there is provided a payment method using biometric information recognition in a terminal device, comprising: providing a payment application for a payment service to one or more terminal devices through a communication network; Receiving biometric registration information and payment information for biometric information recognized according to a biometric method preset in the terminal device through the payment application; Registering the biometrics registration information and the payment information in advance; Receiving biometric information and payment request information recognized according to the predetermined biometric method from the terminal device according to a payment request of the user; Comparing the received biometric information with previously registered biometric registration information according to a payment request of the base user to perform user authentication; Performing a requested payment process using the payment information mapped to the received biometric information and the received payment request information if the user authentication is successful; And transmitting the settlement processing result information to the terminal apparatus upon completion of the requested settlement processing.

In a payment method using biometric information recognition in a terminal device according to a preferred embodiment of the present invention, performing the user authentication by comparing the received biometric information with previously registered biometric registration information comprises: Receiving, from the terminal device, second biometric information recognized according to the predetermined biometric method when the first user authentication is successful using the first biometric information; And performing a second user authentication by comparing the received second biometric information with the previously registered biometric registration information.

In order to achieve the above object, a computer-readable recording medium of the present invention records a program for executing a payment method using biometric information recognition.

The present invention recognizes biometric information to be used for a payment service according to a predetermined biometric information recognition method, performs user authentication using biometric information recognized at the time of payment processing, It is possible to more accurately confirm whether or not the user is himself or herself, and the security at the time of payment can be enhanced.

In addition, according to the present invention, since user authentication is performed through biometric information, it is not necessary to issue existing authentication information for user authentication, and it is possible to perform user authentication easily and accurately without complicated authentication procedure. It is possible to prevent information leakage and prevent illegal settlement by another person.

1 is a diagram illustrating a configuration of a payment system according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a terminal device in a payment system according to an embodiment of the present invention.
3 is a diagram illustrating a configuration of a service apparatus in a billing system according to an embodiment of the present invention.
4 is a diagram illustrating a configuration of a settlement apparatus in a settlement system according to an embodiment of the present invention.
5 is a diagram illustrating a payment method using biometric information recognition in a payment system according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description and the accompanying drawings, detailed description of well-known functions or constructions that may obscure the subject matter of the present invention will be omitted. It should be noted that the same constituent elements are denoted by the same reference numerals as possible throughout the drawings.

The terms and words used in the present specification and claims should not be construed to be limited to ordinary or dictionary meanings and the inventor is not limited to the concept of terminology for describing his or her invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely the most preferred embodiments of the present invention, and not all of the technical ideas of the present invention are described. Therefore, It is to be understood that equivalents and modifications are possible.

First, a broadcast service system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a configuration of a payment system according to an embodiment of the present invention.

Referring to FIG. 1, a payment system may include a terminal device 100, a service device 200, and a payment device 300 connected through a communication network 10.

The terminal device 100 is a terminal capable of transmitting and receiving various data via the communication network 10 in accordance with a key operation of a user. The terminal device 100 includes a tablet PC, a laptop, a personal computer ), A smart phone, a personal digital assistant (PDA), a smart TV, and a mobile communication terminal.

The terminal device 100 is a terminal that performs voice or data communication using the communication network 10 and includes a browser for communicating with the service device 200 via the communication network 10, And a microprocessor for executing and controlling various programs. That is, if the terminal apparatus 100 can perform server-client communication with the service apparatus 200 and can execute a broadcasting service, any terminal can be used, and a communication computing apparatus such as a notebook computer, a mobile communication terminal, It is a broad concept that includes. Meanwhile, the terminal device 100 is preferably manufactured with a touch screen, but is not limited thereto.

In particular, the terminal device 100 according to an embodiment of the present invention can transmit and receive data for a payment service using biometric information in cooperation with the service device 200 through the communication network 10, The payment application can be provided and the payment service can be executed.

In addition, the terminal device 100 according to the embodiment of the present invention sets the biometric information recognition method to be used for the payment service through the registration function of the payment application in advance, The registration information and the payment information may be registered in the service device and a payment may be requested to the service device 200 using the biometric information recognized according to a predetermined biometric information recognition method at the time of payment request. The terminal device 100 according to the embodiment of the present invention receives the payment processing result information from the service device 200 upon completion of the user authentication and payment processing using the biometric information by the service device 200, .

The service apparatus 200 can transmit and receive data for a settlement service using biometric information in cooperation with one or more terminal apparatuses 100 through the communication network 10 and provide a settlement application to the terminal apparatus 100. [

In addition, the service apparatus 200 receives biometrics registration information and payment information for the biometrics information recognized according to the biometrics information recognition method to be used in the payment service in the terminal apparatus 100, registers the biometrics registration information and payment information in advance, Upon request, the received biometric information can be compared with pre-registered biometric registration information to perform user authentication. If the user authentication is successful, the service device 200 can perform the requested payment process using the payment information mapped to the biometric information and the payment request information received at the time of payment request. At this time, the service apparatus 200 may directly perform the settlement processing without interlocking with the settlement apparatus 300, or may request the settlement processing to the settlement apparatus 300 when the settlement apparatus 300 is interlocked with the settlement apparatus 300.

The payment apparatus 300 may be a payment server of a communication carrier for processing the payment authorization and approval. The payment apparatus 300 may be configured to transmit the requested payment using the payment request information included in the received payment request message, Can be performed.

The terminal device 100, the service device 200 and the settlement device 300 are interlocked through the communication network 10, and the communication network 10 can be connected to various wired / wireless communication devices such as the Internet network, the intranet network, Technology that can send and receive data using Internet Protocol. In addition, the communication network 10 is combined with the service apparatus 200 and the settlement apparatus 300 to store computing resources such as hardware and software. The communication network 10 may be a closed network such as a LAN (Local Area Network) or a WAN (Wide Area Network), an open network such as the Internet, a CDMA (Code Division Multiple Access), a WCDMA The concept is called the next generation network and computing network that will be implemented next, such as Multiple Access, Global System for Mobile Communications (GSM), Long Term Evolution (LTE) and Evolved Packet Core (EPC)

Hereinafter, a configuration of a terminal device according to embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a diagram illustrating a configuration of a terminal device in a settlement system according to embodiments of the present invention.

2, the terminal device 100 includes a control unit 110, an input unit 120, a communication unit 130, a storage unit 140, an output unit 150, and a biometric unit 160 Can be configured.

The control unit 110 performs overall control of the terminal device 100 and is capable of performing control for a settlement service using biometric information recognition and is functionally connected to the communication unit 130, You can install and run a payment application. For this, the controller 110 may include a biometric information recognition module 111 and a payment support module 112.

When the payment application is executed, the biometric information recognition module 111 can preset the biometric information recognition method to be used for the payment service through the registration function of the payment application. In particular, the biometric information recognition module 111 may set the user's physical characteristics, habits, etc. in a biometric information recognition manner. For example, the biometric information recognition module 111 can preset the biometric information recognition method so that the user's pulse is recognized as the first biometric information and the user's fingerprint is recognized as the second biometric information.

In addition, the biometric information recognition module 111 can transmit the biometric registration information and the payment information for the recognized biometric information to the service device 200 according to a predetermined biometric information recognition method, have. At this time, the biometric information recognition module 111, for example, in the case of the biometric information which is somewhat inaccurate or has fluidity, or in the case of the biometric information set by the user, the biometric information recognition module 111 acquires the first biometric registration information The first biometric registration information set to enable user authentication in the terminal device 100 is stored in advance in the storage unit 140 so that the first biometric registration information can be used for the payment service. The biometric information recognition module 111 sets second biometric registration information set by setting biometric information such as fingerprints, irises, and palm prints relating to the user's unique body characteristics as second biometric registration information to the service device 200, And can register in the service device 200 in advance.

When receiving a payment request from a user, the biometric information recognition module 111 controls to output a guidance message for biometric information recognition according to a preset biometric information recognition method, and outputs the biometric information, (160), and transmits the received biometric information to the payment support module (200). For example, the biometric information recognition module 111 receives the first biometric information and the second biometric information recognized according to a biometric information recognition method preset by the biometric identification unit 160, and outputs the received first biometric information and the first biometric information 2 biometric information, and transmits the generated payment authentication information to the payment support module 112, and transmits the payment authentication information together with the payment request information to the service device 200 in the payment request message. In this case, the service apparatus 200 can perform the settlement processing when both the first biometric information and the second biometric information coincide with the registered information.

In another example, when the biometric information recognition module 111 receives a payment request from a user, the biometric information recognition module 111 controls the output unit 150 to output a guidance message for recognizing the first biometric information, The first biometric information may be recognized based on the physical characteristics or habits of the user inputted to the payment support module 112, and the recognized first biometric information may be transmitted to the payment support module 112. When the user authentication using the first biometric information is successful in the payment support module 112, the biometric information recognition module 111 outputs a guidance message for guidance for recognizing the second biometric information through the output unit 150 And recognizes the second biometric information input to the biometric unit 160 according to the guidance for recognizing the second biometric information and transmits the recognized second biometric information to the payment support module 112. [

When receiving a payment request from a user, the payment support module 112 transmits the payment request information (e.g., product information) generated based on the user payment request and the biometric information transmitted from the biometric information recognition module 111, , Purchase information, user information, identification information of the payment request, additional payment authentication information, and the like) to the service device 200 to request payment for the purchased product. For example, the payment support module 112 may transmit authentication information combining the first biometric information and the second biometric information as biometric information upon a payment request. As another example, the payment support module 112 compares the transmitted first biometric information with previously stored first biometric registration information to perform a first user authentication, and if the authentication is successful, 111, and transmits the second biometric information recognized in accordance with the authentication success to the service device 200 in the payment request message.

When the user authentication and payment processing are completed using the biometric information by the service device 200, the payment support module 112 receives the payment processing result information from the service device 200 and outputs the payment processing result information through the output unit 150 .

The input unit 120 may generate a user input signal corresponding to a request or information of a user according to a user's operation and may be implemented as various input means that are currently commercialized or can be commercialized in the future. , A joystick, a touch screen, a touch pad, or the like, as well as a gesture input means for sensing a user's motion and generating a specific input signal. The input unit 120 may generate an input signal according to input information related to execution of a payment application and payment service.

The communication unit 130 communicates with the service device 200 through the communication network 10 to transmit and receive messages for a payment service. The communication unit 130 can transmit and receive data through various communication methods as well as wire and wireless methods. In addition, the communication unit 130 may transmit and receive data using one or more communication methods. For this purpose, the communication unit 130 may include a plurality of communication modules that transmit and receive data according to different communication methods, respectively. In particular, the communication unit 130 transmits a registration request message including biometric registration information and payment information for a payment service to the service device 200, and transmits the biometric information (or authentication information) And transmit the settlement request message including the request information to the service apparatus 200. [ The communication unit 130 can receive the settlement processing result message including the settlement processing result information from the service apparatus 200. [

The storage unit 140 stores information necessary for the operation of the terminal device 100 and may store information related to the payment application provided from the service device 200 and payment service related information. The storage unit 140 may store the biometric information (the first biometric information and the second biometric information) recognized by the biometric unit 160, the payment information, the payment request information, and the payment processing result information. The storage unit 140 may be an optical storage medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, a CD-ROM (Compact Disc Read Only Memory), a DVD (Digital Video Disk) A magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), and a flash memory.

In addition, the storage unit 140 stores application programs necessary for the functional operation according to the embodiments of the present invention, a screen image to be output to the display unit of the output unit 150, and the like. The storage unit 140 may store a key map, a menu map, and the like for operating the touch screen when the display unit is configured as a touch screen. Here, the key map and the menu map may be various types. The storage unit 140 may store booting of the terminal device 100, an operating system (OS) for operating each of the above-described configurations, application programs for supporting various user functions, and the like.

The output unit 150 is a means for providing a user with an operation result or status of the terminal device 100. The output unit 150 includes a display unit for visually outputting the result through a screen or a speaker for outputting an audible sound can do. In particular, the output unit 150 according to the embodiment of the present invention can display a screen related to a payment service driven by the terminal device 100, that is, an execution screen of a payment application, under the control of the controller 110, The authentication result, the settlement information, the settlement processing result information, and the like on the execution screen. In addition, the output unit 150 may output a guidance message for biometric information recognition under the control of the controller 110.

The biometric unit 160 may include at least one sensor (a vibration sensor, a pressure sensor, a gyro sensor, an odor sensor, an acceleration sensor, an illuminance sensor, etc.) for biometrics, a camera, a fingerprint reader (or a fingerprint recognition application) A device (or application, program) for recognizing a face or the like, and the like.

In addition, the biometric unit 160 recognizes the biometric information input by the user under the control of the control unit 110, and transmits the recognized biometric information to the control unit 110. For example, the biometrics unit 160 recognizes a pulse for a predetermined period of time using a vibration sensor or the like in the first biometrics information recognition system, and transmits the recognized information as the first biometrics information to the controller 110 , The fingerprint recognition unit 110 can recognize the fingerprint using the fingerprint recognizer in the second biometric information recognition method and transmit the recognized fingerprint to the control unit 110 as the second biometric information.

Next, a configuration of a service apparatus according to embodiments of the present invention in a payment system will be described in detail with reference to the accompanying drawings.

3 is a diagram illustrating a configuration of a service apparatus in a billing system according to an embodiment of the present invention.

3, the service apparatus 200 may include a communication unit 210, a service providing unit 220, and a storage unit 230.

The communication unit 210 according to the embodiment of the present invention can communicate with the terminal device 100 and the settlement device 300 through the communication network 10 to transmit and receive messages for payment service. The communication unit 210 can transmit and receive messages through various communication methods as well as the wired and wireless methods and can communicate with the mobile terminal 200 through a mobile communication network in a wireless manner. In addition, the communication unit 210 may transmit and receive data using one or more communication methods. For this purpose, the communication unit 210 may include a plurality of communication modules that transmit and receive data according to different communication methods, respectively. In particular, the communication unit 210 receives the registration request message including the biometric registration information and the payment information for the payment service from the terminal device 100, and transmits the recognized biometric information (or authentication information) From the terminal device 200, a payment request message including the request information. The communication unit 210 may transmit the program and information related to the payment application to the terminal device 200 and may transmit the payment processing result message including the payment processing result information.

The service providing unit 220 receives and registers the biometric registration information and the payment information for the biometric information recognized according to the biometric information recognition method to be used for the payment service from the terminal device 100, The biometric information received at the time of authentication can be compared with previously registered biometric registration information to perform user authentication. For example, when the service providing unit 220 receives the payment authentication information generated by combining the first biometric information and the second biometric information recognized according to a predetermined biometric information recognition method from the terminal device 100, Registered biometrics registration information corresponding to the payment authentication information is read out, and the user authentication is performed by comparing the biometrics registration information that has been read and the payment authentication information received. At this time, for example, one of the received biometric information may be used for user authentication to authenticate that the user is the user, and the other one may be used in the authentication procedure for approval of payment. For example, when the first biometric information is pulse information, the service providing unit 220 confirms whether the user is the user by using the pre-registered pulse information, performs the payment process in the case of the user himself or herself, 2 biometric information (fingerprint information) can be used. For this, the service providing unit 220 may perform user authentication again using the second biometric information (fingerprint information), for example, and transmit the second biometric information (fingerprint information) to the payment apparatus 300 And request payment approval. Accordingly, the settlement apparatus 300 confirms whether the received second biometric information matches the pre-registered information (fingerprint information), notifies the success of the payment authentication, and can process the payment approval. Such a payment authentication and authorization procedure may be performed directly in the service apparatus 200. [

As another example, when the first user authentication is successful using the first biometric information according to the physical characteristics or habits of the user in the terminal device 200, the service providing unit 220 determines the second biometric information It is possible to receive the biometric information from the terminal device 100 and compare the received second biometric information with previously registered biometric registration information to perform the second user authentication. If the user authentication is successful, the service provider 220 performs a payment process using the payment request information and pre-registered payment information corresponding to the second biometric information.

In addition, when the user authentication is successful, the service provider 220 can perform the requested payment process using the registered payment information mapped to the biometric information. Here, the service providing unit 220 checks the registered payment information (for example, card information, actual account information, virtual account information, mileage information, and the like), confirms the payment request information, And performs settlement of the corresponding amount in the payment information. At this time, the service provider 220 can perform settlement authentication through settlement authentication information such as an OTP, a public certificate, a password, and the like, and clearly confirm that the user is the user by using the biometric information. It is possible to perform the payment processing and payment approval directly without performing the procedure. In addition, the service providing unit 220 may perform the settlement processing by simply authenticating the user himself / herself using the biometric information, without performing a complex payment authentication procedure.

Then, the service providing unit 220 performs user authentication in the service device 200 and, in cooperation with the settlement apparatus 300 for the actual settlement approval and settlement authentication after the settlement processing according to the settlement request information, (300). Accordingly, when the service providing unit 220 receives the settlement processing result information from the settlement apparatus 300, the service providing unit 220 can transmit the received settlement processing result information to the terminal apparatus 100.

The storage unit 230 stores relevant information for providing a settlement service. Specifically, the storage unit 230 may store previously registered payment information and biometric registration information, and may store information related to the payment service. The storage unit 230 may be an optical recording medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, a CD-ROM (Compact Disk Read Only Memory), a DVD (Digital Video Disk) A magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), and a flash memory.

Next, a configuration of a settlement apparatus according to an embodiment of the present invention in a settlement system will be described in detail with reference to the accompanying drawings.

4 is a diagram illustrating a configuration of a settlement apparatus in a settlement system according to an embodiment of the present invention.

3, the settlement apparatus 300 may include a communication unit 310, a settlement processing unit 320, and a storage unit 330. The settlement apparatus 300 may be configured to perform settlement processing directly on the service apparatus 200, When a payment processing request is made, the payment processing can be performed in cooperation with the service device 200. [ If the service apparatus 200 performs the actual settlement processing, the settlement apparatus 300 may simply perform approval processing for settlement. Hereinafter, an embodiment of the present invention will be described in which a payment process is performed when a payment process request is received from the service device 200. [

The communication unit 310 according to an embodiment of the present invention can communicate with the service device 200 through the communication network 10 to transmit and receive messages for a payment service. The communication unit 310 can transmit and receive messages through various communication methods as well as wire and wireless, and can communicate with the mobile terminal 200 through a mobile communication network in a wireless manner. In addition, the communication unit 310 may transmit and receive data using one or more communication methods. For this purpose, the communication unit 310 may include a plurality of communication modules that transmit and receive data according to different communication methods, respectively. In particular, the communication unit 310 may receive the settlement processing request message from the service apparatus 200, and may transmit the settlement processing result message to the service apparatus 200.

When the payment processing unit 320 receives the payment request message from the service device 200, the payment processing unit 320 transmits the payment request information included in the payment request message (payment information, user authentication information, user identification information, (Card information, actual account information, virtual account information, mileage information, gift certificate information, etc.) registered in the service apparatus 200 included in the payment request information The payment authentication is performed in comparison with the payment information, and when the payment authentication is successful, the payment for the purchased product is approved. Accordingly, the settlement processing unit 320 can transmit the settlement processing result message including the settlement processing result information according to the settlement processing to the service apparatus 200. [

The storage unit 330 stores relevant information for providing a payment service. Specifically, the storage unit 330 may store previously registered payment information and user information, and may store information related to the payment service. The storage unit 330 may be an optical storage medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, a CD-ROM (Compact Disk Read Only Memory), a DVD (Digital Video Disk) A magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), and a flash memory.

Hereinafter, a payment method using biometric information recognition in the payment system configured as above will be described in detail with reference to the accompanying drawings.

5 is a diagram illustrating a payment method using biometric information recognition in a payment system according to an embodiment of the present invention.

Referring to FIG. 5, in step 1101, the terminal device 100 receives and installs a payment application from the service device 200, and executes a payment application in response to the request of the user in step 1102. FIG. At this time, in step 1102, the terminal device 100 sets a biometric information recognition method to be used in the payment service in advance. In particular, the terminal device 100 sets the first biometric information recognition method to recognize the pulse as the first biometric information so that one or more biometric information is used for user authentication and payment authentication for payment, for example, As the biometric information, the second biometric information recognition method is set so as to recognize the fingerprint.

In step 1103, the terminal device 100 transmits a registration request message to the service device 200 to register information to be used in the payment service. To this end, the terminal device 100 recognizes the biometric information by the set biometric information recognition method, and generates a registration request message including the recognized biometric information and the payment information including the payment means to be used in the payment service. Here, the registration request message may include biometric information, payment information (user identification information, payment means information, etc.). Accordingly, in step 1104, the service device 200 receives the registration request message, and maps and registers the biometric information and the payment information included in the received registration request message.

When the user purchases the product and requests payment through the payment application, the terminal device 100 outputs a guidance message for biometric identification according to a preset biometric information recognition method in step 1105, And recognizes the biometric information according to the method.

In step 1106, the terminal device 100 transmits a payment request message including payment information including information related to the purchased biometrics information and the purchased product to the service device 200. At this time, when the terminal device 100 is set to recognize, for example, first biometric information as pulse information and second biometric information as fingerprint information, the terminal device 100 compares the recognized first biometric information with previously stored first biometric registration information If they match, it is determined that the primary user authentication is successful, and the recognized second biometric information is included in the payment request message and transmitted. Alternatively, the payment authentication information may be generated by combining the first biometrics information and the second biometrics information, and the generated payment authentication information may be included in the payment request message.

Accordingly, in step 1107, the service device 200 reads pre-registered biometric registration information corresponding to the biometric information included in the payment request message, and compares the read biometric registration information with the received biometric information to perform user authentication . In step 1108, the service device 200 checks whether the user authentication is successful. If the authentication is successful, the service device 200 performs step 1111. If the user authentication fails, the service device 200 transmits an authentication failure message to the terminal device 100 in step 1109 do. Then, in step 1110, the terminal device 100 outputs an authentication failure message, recognizes the biometric information again, and repeats the processes in step 1106 and subsequent steps. For example, when the service device 200 receives the second biometric information, the second biometric information can be compared with previously registered biometric registration information corresponding to the second biometric information to perform the secondary user authentication. As another example, when the payment authentication information combining the first and second biometric information is received, the service device 200 reads the previously registered biometric registration information corresponding to the first biometric information to perform user authentication, The payment authentication can be performed at the payment approval using the biometric information. To this end, the service device 200 may include the second biometric information in the payment request message transmitted in step 1111 to be described later, or may transmit authentication information according to the payment authentication performed for the second biometric information.

On the other hand, in step 1111, when the user authentication is successful, the service device 200 performs a direct payment process using the payment request information and pre-registered payment information corresponding to the biometric information, or transmits the payment request message to the payment device 300 Lt; / RTI >

If the payment request message is transmitted to the payment apparatus 300, the payment apparatus 300 performs the payment authorization and approval procedure in response to the payment processing request of the service apparatus 200 in step 1112. In step 1113, And transmits the settlement result message including the result information to the service apparatus 200. [

When the settlement processing is completed, the service device 200 transmits the settlement processing result information to the terminal device 100 in step 1114. [ Accordingly, in step 1115, the terminal device 100 outputs the received payment processing result information.

On the other hand, the recorded program instructions may be those specially designed and constructed for the present invention or may be available to those skilled in the art of computer software. For example, the recording medium may be an optical recording medium such as a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, a compact disk read only memory (CD-ROM), a digital video disk (DVD) Includes a hardware device that is specially configured to store and execute program instructions such as a magneto-optical medium such as a floppy disk and a ROM, a random access memory (RAM), a flash memory, do. Examples of program instructions may include machine language code such as those generated by a compiler, as well as high-level language code that may be executed by a computer using an interpreter or the like. Such a hardware device may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Further, a computer program (also known as a program, software, software application, script or code) that is embedded in the apparatus according to the present invention and which implements the method according to the present invention includes a compiled or interpreted language, a priori or procedural language , And may be deployed in any form including standalone programs or modules, components, subroutines, or other units suitable for use in a computer environment. A computer program does not necessarily correspond to a file in the file system. The program may be stored in a single file provided to the requested program, or in multiple interactive files (e.g., a file storing one or more modules, subprograms, or portions of code) (E.g., one or more scripts stored in a markup language document). A computer program may be deployed to run on multiple computers or on one computer, located on a single site or distributed across multiple sites and interconnected by a communications network.

It should be noted that the embodiments of the present invention disclosed in the present specification and drawings are only illustrative of specific examples for the purpose of understanding and are not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

In addition, while the specification contains a number of specific implementation details, it should be understood that they are not to be construed as limitations on the scope of any invention or claim, but rather on the features that may be specific to a particular embodiment of a particular invention Should be understood as an explanation. Certain features described herein in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features described in the context of a single embodiment may also be implemented in multiple embodiments, either individually or in any suitable subcombination. Further, although the features may operate in a particular combination and may be initially described as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, Or a variant of a subcombination.

Likewise, although the operations are depicted in the drawings in a particular order, it should be understood that such operations must be performed in that particular order or sequential order shown to achieve the desired result, or that all illustrated operations should be performed. Also, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products It should be understood.

The present invention relates to a settlement method using biometric information recognition, an apparatus and a system therefor, and a method and apparatus for recognizing biometric information for use in a settlement service according to a predetermined biometric information recognition method, It is possible to confirm the identity of the user more accurately, and it is possible to enhance the security at the time of payment because the payment can be processed for the purchased goods according to the result of the user authentication.

In addition, according to the present invention, since user authentication is performed through biometric information, it is not necessary to issue existing authentication information for user authentication, and it is possible to perform user authentication easily and accurately without complicated authentication procedure. It is possible to prevent information leakage and prevent illegal settlement by another person.

In addition, the present invention has a possibility of commercial use or business, and is industrially applicable because it is practically possible to carry out clearly.

10: communication network 100: terminal device 110:
111: Biometric information recognition module 112: Payment support module
120: communication unit 130: input unit 140:
150: output unit 160: biometric unit 200: service device
210: communication unit 220: service providing unit 230:
300: settlement apparatus 310: communication unit 320:
330:

Claims (16)

A communication unit for transmitting and receiving data for a payment service using biometric information in cooperation with a service apparatus through a communication network;
A biometric unit for recognizing biometric information to be used for a payment service; And
A biometric information recognizing method that is functionally connected to the communication unit and the biometric unit to set a biometric information recognizing method to be used for the payment service in advance and transmits biometric registration information and payment information for the recognized biometric information according to a preset biometric information recognizing method to the service And transmits the biometric information and the payment request information recognized according to the predetermined biometric information recognition method at the time of payment request to the service apparatus, and the user authentication and payment processing is performed by the service apparatus using the biometric information A control unit for controlling the reception unit to receive payment processing result information from the service apparatus when the payment processing result is completed;
And a terminal device. The apparatus of claim 1,
The first biometric information and the second biometric information recognized by the biometric unit in accordance with the predetermined biometric information recognition method, generates payment authentication information combining the received first biometric information and the second biometric information, And transmits the settlement request message including the settlement authentication information and the settlement request information to the service apparatus. The apparatus of claim 1,
From the biometrics unit, the first biometrics information recognized by the biometrics unit according to the physical characteristics or habits of the user inputted according to the first biometrics information recognition guide, and the received first biometrics information is stored in advance 1 < / RTI > biometrics registration information, and performs user authentication. The apparatus of claim 3,
A second biometric information input unit configured to receive the second biometric information input according to the guidance for recognizing the second biometric information from the biometric unit when the user authentication is successful, And transmits the settlement request message including the settlement request information to the service apparatus. The biometric authentication apparatus according to claim 1,
One or more sensors for recognizing the first biometric information; And
A fingerprint recognizer that recognizes the second biometric information;
And a terminal device. A communication unit for transmitting and receiving data for a payment service using biometric information in cooperation with one or more terminal devices through a communication network; And
Receiving biometric registration information and payment information for biometric information recognized according to a predetermined biometric information recognition method to be used for the payment service from the terminal device and registering the biometric registration information and the payment information in advance, A service providing unit configured to perform user authentication by comparing the registered biometrics information with the registered biometrics information and to perform a requested payment process using the registered payment information mapped to the biometrics information when the user authentication is successful;
Wherein the service device comprises: [7] The method of claim 6,
When the payment authentication information generated by combining the first biometric information and the second biometric information recognized according to the preset biometric information recognition method from the terminal device is received, the received payment authentication information and the previously registered biometric registration information And performs user authentication by comparing the user authentication information and the authentication information. [7] The method of claim 6,
When the first user authentication is successful using the first biometric information according to the physical characteristics or habits of the user at the terminal device, receives the second biometric information recognized according to the preset biometric method from the terminal device, And the second user authentication is performed by comparing the received second biometric information with the pre-registered biometric registration information. The method as claimed in claim 8,
If the second user authentication is successful, transmits payment information and payment request information mapped to the previously registered biometric registration information corresponding to the second biometric information to a payment device connected through a communication network to request a payment process, And transmits the received merging process result information to the terminal apparatus upon receiving the merged result information from the settlement apparatus in response to the settlement processing request. The method as claimed in claim 9,
When the payment authentication information combining the two or more biometric information recognized according to the predetermined biometric method from the terminal device is received, comparing the previously registered biometric registration information corresponding to any one of the biometric information included in the payment authentication information Wherein the control unit controls the first user authentication unit to perform a first user authentication and to perform a second user authentication and a payment authentication for a payment authorization using the other biometric information when the user authentication is successful. The biometric information recognition method to be used in the payment service is preset, the biometric registration information and the payment information of the recognized biometric information are registered according to a predetermined biometric information recognition method, and when the payment is requested, A terminal device for recognizing information and requesting payment using the recognized biometric information; And
The biometrics registration information and the payment information are received from the terminal apparatus in cooperation with the terminal apparatus via the communication network and registered in advance, and the biometrics information received at the time of the payment request from the terminal apparatus is compared with the previously registered biometrics registration information, A service device for performing authentication processing, performing a requested payment process using the payment information mapped to the biometric information when the user authentication is successful, and transmitting payment processing result information to the terminal device;
And the payment system. Setting a biometric information recognition method to be used for a payment service in advance through a registration function of a payment application;
Generating biometric information recognized as biometric registration information according to a preset biometric information recognition method;
Transmitting the created biometrics registration information and payment information for the payment service to the service device and registering the same;
Recognizing biometric information input from a user according to the predetermined biometric information recognition method when a payment is requested from a user;
Requesting a settlement process to the service device using the recognized biometric information; And
Receiving settlement processing result information from the service apparatus when user authentication and settlement processing are completed using the biometric information by the service apparatus;
And transmitting the biometric information to the terminal device. The method as claimed in claim 12, wherein the step of recognizing the biometric information input by the user according to the preset biometric information recognition method at the time of the payment request from the user,
Performing a guidance for recognizing a first biometric information when receiving a payment request from the user;
Recognizing first biometric information according to a physical characteristic or a habit of the user;
Confirming whether the recognized first biometric information matches the first biometric registration information stored in advance, and performing user authentication;
Performing guidance for recognizing a second biometric information when the user authentication is successful; And
Recognizing second biometric information for performing user authentication in the service device;
And transmitting the biometric information to the terminal device. Providing a payment application for a payment service to one or more terminal devices via a communication network;
Receiving biometric registration information and payment information for biometric information recognized according to a biometric method preset in the terminal device through the payment application;
Registering the biometrics registration information and the payment information in advance;
Receiving biometric information and payment request information recognized according to the predetermined biometric method from the terminal device according to a payment request of the user;
Comparing the received biometric information with previously registered biometric registration information according to a payment request of the user to perform user authentication;
Performing a requested payment process using the payment information mapped to the received biometric information and the received payment request information if the user authentication is successful; And
Transmitting the settlement processing result information to the terminal apparatus when the requested settlement processing is completed;
And transmitting the biometric information to the service device. 15. The method of claim 14, wherein the comparing the received biometric information with previously registered biometric registration information to perform user authentication comprises:
Receiving, from the terminal device, second biometric information recognized according to the predetermined biometric method when the first user authentication is successful using the first biometric information recognized by the terminal device; And
Performing second user authentication by comparing the received second biometric information with the pre-registered biometric registration information;
And transmitting the biometric information to the service device. A computer-readable recording medium storing a program for executing the payment method using biometric information recognition according to any one of claims 12 to 15.

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