KR20230007184A - Payment method using biometric information and system using the same - Google Patents

Abstract

A payment method using a biometric information card according to an embodiment of the present invention comprises the steps of: (a) a biometric information card server authenticating the identification card information of a user using a user terminal and generating a biometric information card using the identification card information and the biometric information of the user; (b) the biometric information card server receiving a payment request and biometric data from the user terminal having received payment information and member shop information from a member shop terminal, and authenticating the user by comparing the biometric data and the biometric information included in the biometric information card; (c) the biometric information card server transmitting a payment approval request to a payment institution server; (d) the biometric information card server receiving a payment completion signal from the payment institution server; and (e) the biometric information card server transmitting a payment completion message to the user terminal. Accordingly, the information of a user can be protected safely, an intangible authentication means can be issued and managed more conveniently, and payment can be performed conveniently and efficiently.

Description

Payment method using biometric card and system using it {PAYMENT METHOD USING BIOMETRIC INFORMATION AND SYSTEM USING THE SAME}

The present invention relates to a payment method using a biometric information card and a system using the same, which authenticates user identification information, generates a biometric information card using the user's biometric information, and receives payment information from an affiliated store terminal to the user terminal In order to proceed with the payment, the user's biometric data is transmitted to the biometric information card server, and the biometric information card server compares the biometric information card and the biometric data received from the user terminal to authenticate the user and perform payment. It relates to a payment method using an information card and a system using the same.

In a situation where the use of plastic credit cards has become common, credit card-based internet payment methods are developing according to more demand. In particular, along with the generalization of mobile communication terminals, payment methods for electronic commerce and offline commerce using the Internet are also diversifying.

In general, since payment using a credit card is performed by sequentially network-connecting a VAN server and a card company server using a credit card terminal installed in an affiliated store, credit card information and personal information of a user may be exposed, which is a problem. In particular, when a payment is made in a state where the user cannot check the payment process of his or her credit card, such as at a gas station, there is a possibility of credit card duplication, and there is a risk of leakage of user information, and the user may feel anxiety about the stability of the payment. can

In addition, as the number of cases of damage caused by leakage of personal information increases due to the development of Internet infrastructure, leakage of personal information is a factor that lowers the reliability of payment methods, and users' anxiety and various cases of damage occur, resulting in the safety of the payment system. needs are increasing.

In addition, there is a risk of exposure of personal information in the stages of production and issuance of payment means, packaging and delivery, and problems of plastic card and IC chip production and delivery costs and generation of plastic waste. In addition, in terms of management of credit cards, there are problems of illegal use such as loss or theft.

As such, the conventional credit card payment system has limitations in user information security management because it is a service centered on merchants rather than user-centered services. Various studies are being conducted on a credit card payment method and system for enabling credit card payment to be performed using a mobile communication terminal without passing it on to an employee.

The problem to be solved by the present invention is to issue a biometric information card using a user's biometric information using a non-face-to-face communication method between a user terminal and a biometric information card server.

Another problem to be solved by the present invention is to use an intangible biometric information card using biometric information instead of a tangible payment method to perform identity authentication for payment through a comparative analysis method of the user's biometric data and the biometric information card. It has a purpose.

Another problem to be solved by the present invention is that as the payment information and affiliated store information transmitted from the affiliated store terminal to the user terminal are generated and delivered as specialized images, only the user of the user terminal decodes the specialized image to obtain detailed payment information and affiliated store information. Its purpose is to perform information verification with enhanced security.

The tasks of the present invention are not limited to the tasks mentioned above, and other tasks not mentioned will be clearly understood by those skilled in the art from the following description.

In order to solve the above problems, a payment method using a biometric information card according to an embodiment of the present invention is (a) the biometric information card server authenticates the ID information of the user using the user terminal, and the ID information and the user's Generating a biometric information card using biometric information, (b) the biometric information card server receives a payment request and biometric data from a user terminal that has received payment information and affiliate store information from an affiliated store terminal, and biometric data and biometric information card (c) the biometric information card server transmits a payment approval request to the payment institution server; (d) the biometric information card server transmits a payment completion signal from the payment institution server. and (e) transmitting a payment completion message from the biometric card server to the user terminal. Accordingly, user information can be safely protected, intangible authentication means can be issued and managed more conveniently, and payment can be made conveniently and efficiently.

Other embodiment specifics are included in the detailed description and drawings.

According to the present invention as described above, it has various effects as follows.

The present invention creates a biometric information card, which is an intangible user authentication means, using biometric information, and performs user authentication for efficient payment by confirming payment information using a specialized image, and effectively prevents leakage of personal information for security. It is possible to provide an enhanced payment system.

Compared with existing payment method management methods and systems, the present invention can provide a user-centered payment service in which a user can directly process a payment rather than a terminal-centered method of an affiliated store.

The present invention can provide an environmentally friendly payment system that does not use plastic or paper receipts by not using a tangible payment method as the biometric information card, which is an intangible payment method, is used.

The present invention can use artificial intelligence to determine the details of a custom product for a specific user.

Effects according to the present invention are not limited by the contents exemplified above, and more various effects are included in the present specification.

1 is a block diagram showing a schematic configuration of a payment system using a biometric information card according to an embodiment of the present invention.
2 is a flowchart illustrating a payment method using a biometric information card according to an embodiment of the present invention.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings. Advantages and features of the present invention, and methods of achieving them, will become clear with reference to the detailed description of the following embodiments taken in conjunction with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in various different forms, only these embodiments make the disclosure of the present invention complete, and common knowledge in the art to which the present invention belongs. It is provided to fully inform the holder of the scope of the invention, and the present invention is only defined by the scope of the claims.

The shapes, sizes, ratios, angles, numbers, etc. disclosed in the drawings for explaining the embodiments of the present invention are illustrative, so the present invention is not limited to the details shown. Like reference numbers designate like elements throughout the specification. In addition, in describing the present invention, if it is determined that a detailed description of related known technologies may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. When 'includes', 'has', 'consists of', etc. mentioned in this specification is used, other parts may be added unless 'only' is used. In the case where a component is expressed in the singular, the case including the plural is included unless otherwise explicitly stated.

In interpreting the components, even if there is no separate explicit description, it is interpreted as including the error range.

In the case of a description of a positional relationship, for example, 'on top of', 'on top of', 'at the bottom of', 'next to', etc. Or, unless 'directly' is used, one or more other parts may be located between the two parts.

When an element or layer is referred to as “on” another element or layer, it includes all cases where another element or layer is directly on top of another element or another layer or other element intervenes therebetween.

Although first, second, etc. are used to describe various components, these components are not limited by these terms. These terms are only used to distinguish one component from another. Therefore, the first component mentioned below may also be the second component within the technical spirit of the present invention.

Like reference numbers designate like elements throughout the specification.

The size and thickness of each component shown in the drawings are shown for convenience of description, and the present invention is not necessarily limited to the size and thickness of the illustrated components.

Each feature of the various embodiments of the present invention can be partially or entirely combined or combined with each other, and as those skilled in the art can fully understand, various interlocking and driving operations are possible, and each embodiment can be implemented independently of each other. It may be possible to implement together in an association relationship.

1 is a block diagram showing a schematic configuration of a payment system using a biometric information card according to an embodiment of the present invention.

Referring to FIG. 1, a payment system 1000 using a biometric information card generates a biometric information card capable of authenticating a user using identification information and biometric information of a user using a user terminal 200, and such biometric information This is a system in which a user can conveniently and safely proceed with payment with an affiliated store through the user terminal 200 by authenticating the user using a card. A payment system 1000 using a biometric information card includes a biometric information card server 100, a user terminal 200, an affiliated store terminal 300, an ID registration institution server 400, and a payment institution server 500.

The biometric information card server 100 of the payment system 1000 using the biometric information card receives the user's ID information and biometric information from the user terminal 200, and checks the authenticity of the user's ID information through communication with the ID registration institution. is obtained to perform identity authentication to confirm whether the identity card is a certified identity card, and the identity authentication information of the authenticated user, that is, the picture of the identity card and the face of the user's picture taken by the user terminal 200 It is a configuration that compares each other to perform an identity verification procedure to confirm whether the user matches the subject of the ID card, and to generate a biometric information card that can be used for user authentication for payment.

The user terminal 200 of the payment system 1000 is a terminal capable of communication and data processing used by a user, and may be a mobile phone, a laptop computer, a pad, a PC, and the like, but is not limited thereto. The user terminal 200 may include a photographing unit capable of photographing the user's identification card and the user's face image, and the user's facial image, fingerprint, voice, signature, and movement (video recording the movement of a specific part of the body). Biometric information including at least one of the above may be input. The user terminal 200 may transmit the obtained ID information and biometric information to the biometric information card server 100 .

The affiliated store terminal 300 of the payment system 1000 may be a terminal used by affiliated stores to use the payment service provided by the payment system 1000 . The affiliated store terminal 300 may recognize the user's location located inside the affiliated store and generate payment information based on the user's location and order information. The affiliated store terminal 300 may transmit payment information and affiliated store information (eg, affiliated store location, IP address, phone number, etc.) to the user terminal 200 .

The biometric information card server 100 can authenticate the user through comparison with the biometric information card using the payment request and biometric data transmitted from the user terminal 200 and transmit the data to the payment institution server 500 .

The payment institution server 500 of the payment system 1000 performs payment in response to the payment approval request transmitted from the biometric information card server 100, and sends a payment completion signal indicating that the payment has been completed to the biometric information card server 100. It is a structure that transmits

A network of combination systems may be implemented with various communication technologies. That is, WIFI, WCDMA (Wideband CDMA), HSDPA (High Speed Downlink Packet Access), HSUPA (High Speed Uplink Packet Access), HSPA (High Speed Packet Access), Mobile WiMAX, WiBro , LTE (Long Term Evolution), Bluetooth, infrared data association (IrDA), NFC (Near Field Communication), Zigbee, wireless LAN technology, and the like may be applied. In addition, when a service is provided by being connected to the Internet, TCP/IP, which is a standard protocol for information transmission on the Internet, may be followed or GPS (Global Positioning System) technology may be used.

Next, a more specific payment method of the payment system 1000 using a biometric card will be described in detail with reference to FIG. 2 .

2 is a flowchart illustrating a payment method using a biometric information card according to an embodiment of the present invention.

First, the biometric information card server 100 authenticates the ID information of the user using the user terminal 200, and generates a biometric information card using the ID information and the user's biometric information (S110).

A user using the user terminal 200 may input identification information and biometric information into the user terminal 200 to issue a biometric information card, and the user terminal 200 may transmit the corresponding information to the biometric information card server 100. there is. A biometric information card is an intangible card that can authenticate a user created by combining the user's identification information and biometric information. Payment can be made using the terminal 200 .

More specifically, the photographing unit of the user terminal 200 may generate an ID image by photographing the user's identification card, and may generate a user's face image by photographing the user's face. The biometric information card server 100 may receive an ID image and a face image from the user terminal 200 . The biometric information card server 100 transmits the ID image to the ID registration institution server 400, and the ID registration institution server 400 determines the authenticity of the ID card and sends a signal that the ID card is not forged or tampered with to the biometric information card server (100), and using this, the biometric information card server 100 can perform a self-authentication procedure that the ID card is an authenticated ID card.

When the biometric information card server 100 receives a signal indicating that the ID card has not been counterfeited or defended, that is, when the identity authentication is completed, the biometric information card server 100 compares the ID card image with the user's face image and uses the user terminal It is possible to perform an identity verification procedure by confirming that the user using (200) is the same person as the subject of the identification card. When it is determined that the comparison result is the same person, identity verification may be completed, and the biometric information card server 100 may authenticate the ID information.

According to an embodiment, the above process in which the biometric information card server 100 authenticates ID information may be performed by the user terminal 200 . That is, the user terminal 200 may receive data on authenticity of the ID card from the ID registration authority server 400 based on the photographed ID image. Alternatively, the user terminal 200 may receive data on authenticity of the identification card from the biometric information card server 100 . In addition, the user terminal 200 may compare the photographed face image of the user and the ID image to determine whether the user using the user terminal 200 is the same person as the subject of the identification card. When it is determined that the comparison result is the same person, the user terminal 200 may transmit a signal indicating that the ID information has been authenticated to the biometric information card server 100 .

Subsequently, the biometric information card server 100 may generate a biometric information card using the identification information and biometric information. Specifically, the user may input one or more biometric information using the user terminal 200 . Biometric information may be at least one of a face image, fingerprint, voice, signature, and movement of a specific body part. The biometric information card server 100 may receive biometric information from the user terminal 200 and may extract one or more biometric information, eg, fingerprints and feature points of each face image. The biometric information card server 100 may compare one or more characteristic points of each of the biometric information, ie, a characteristic point of a fingerprint and a characteristic point of a face image, respectively, with a threshold value of the fingerprint and a threshold value of the face image. In addition, the biometric information card server 100 may generate biometric authentication data for each of one or more pieces of biometric information through such comparison, and generate integrated biometric authentication data, which is integrated biometric authentication data, by combining these respective biometric authentication data. can do. The biometric information card server 100 may generate a biometric information card by combining the generated integrated biometric authentication data with the user's ID information.

According to an embodiment, the biometric information card server 100 may generate biometric authentication data by further performing error analysis and error correction after comparing characteristic points and threshold values of each of one or more pieces of biometric information.

According to an embodiment, the affiliated store terminal 300 may recognize the location of the user terminal 200 within the affiliated store and generate payment information based on a table number corresponding to the location. Specifically, the user may enter the affiliated store while carrying the user terminal 200 and order food, products, services, and the like. The merchant terminal 300 can transmit information to both parties of the real-time location of the user terminal 200 using a network technology such as Bluetooth, and based on the location of the user terminal 200, a table that is the number of the table where the user is seated number can be recognized. The affiliated store terminal 300 may store order details for each of a plurality of tables arranged in the affiliated store and recognize order details in a table corresponding to the recognized table number. Then, the affiliated store terminal 300 may generate payment information (order details, payment amount, table number, etc.) based on the order details corresponding to the user's table number, and display the payment information and affiliated store information to the user terminal 200. can transmit.

According to an embodiment, when the separation distance between the affiliated store terminal 300 and the user terminal 200 is within a preset distance in which short-range wireless communication can be connected, the user terminal 200 performs a payment method using a biometric information card. As soon as the application downloaded to the available user terminal 200 is executed, the affiliated store terminal 300 is recognized and information about the affiliated store can be automatically transmitted to the user terminal 200 .

According to an embodiment, the user terminal 200 may receive information about the numbers of a plurality of tables arranged in the affiliate store from the affiliated store terminal 300, and select a table number at which the user is seated from among the plurality of table numbers. can The affiliated store terminal 300 may receive the table number selected by the user, generate payment information based on the corresponding order details, and deliver the payment information and affiliated store information to the user terminal 200 .

According to an embodiment, the affiliated store terminal 300 may generate a specialized image and deliver the specialized image to the user terminal 200 when transmitting payment information and affiliated store information to the user terminal 200 . Specifically, the specialized image may be a special image obtained by encoding and encrypting payment information and affiliate store information. The specialized image may be a QR code, but is not limited thereto. The affiliated store terminal 300 can generate a specialized image and transmit it to the user terminal 200, and the user terminal 200 decodes, that is, decrypts the specialized image with a user's own key to obtain payment information and affiliated store information can do.

According to one embodiment, the affiliated store terminal 300 may display the above specialized image on a display unit included in the affiliated store terminal 300 instead of transmitting it to the user terminal 200 . The user terminal 200 may capture a specialized image displayed on the display unit of the affiliated store terminal 300 using a photographing unit, and obtain payment information and affiliated store information by decoding the captured specialized image.

According to an embodiment, the affiliated store terminal 300 may output a specialized image to an output unit such as a printer device and provide it to the user. The user may capture the outputted specialized image using the photographing unit of the user terminal 200 . In addition, the user terminal 200 may obtain payment information and affiliate store information by decoding the captured specialized image.

One or more of the described methods for the user terminal 200 to obtain payment information and affiliated store information may be implemented in combination with each other.

Subsequently, the biometric information card server 100 receives a payment request and biometric data from the user terminal 200 that has received payment information and affiliate store information from the affiliated store terminal 300, and biometric data and biometric information included in the biometric card Compare and authenticate the user (S120).

Specifically, the user can check payment information and affiliated store information using the user terminal 200 and use the user terminal 200 to pay for goods, food, or services purchased from the affiliated store. 100), a payment request and biometric data can be input. The biometric data is biometric data corresponding to the biometric information included in the biometric information card. When the biometric information is a face image and a fingerprint as described above, the biometric data is the user obtained at the time the user terminal 200 requests payment. may be a face image and a fingerprint of

The biometric information card server 100 compares the face image and fingerprint received from the user terminal 200 with the biometric information (the face image and fingerprint of the authenticated user) included in the biometric information card, so that the user's Identity authentication can be performed. The similarity between the biometric data received at the time of payment request from the user terminal 200 and the biometric information included in the biometric information card may be calculated, and if the similarity is equal to or greater than a predetermined threshold value, the biometric information card server 100 authenticates the user. can do.

At this time, a specific value in which environmental variables, state variables, and time variables of biometric information and biometric data are fused can be stored in the biometric information card server 100 and the user terminal 200, and the biometric information card server 100 The user may be authenticated by comparing these specific values. Environment variables are variables related to the environment in which each of biometric information and biometric data are calculated, and can mean user equipment characteristic information, etc., and state variables are states of biometric information and biometric data, respectively, and mean areas containing unclear information. and the time variable may mean the time at which each of the biometric information and the biometric data was extracted. The biometric information card server 100 may calculate a first value by fusing environment variables, state variables, and time variables of the biometric information included in the biometric information card, and the biometric data received from the user terminal 200 includes The second value may be calculated by fusing environment variables, state variables, and time variables of biometric information. Then, the biometric information card server 100 may compare the first value and the second value to calculate the degree of similarity, and if the degree of similarity is equal to or greater than a predetermined threshold value, the user may be authenticated. In addition, the first value stored at the time of registration of the biometric information card server 100 is also stored in the user terminal 200, and the user can be authenticated during comparison.

At this time, biometric information and biometric data may be selected or deleted according to the user's needs in the user terminal 200 .

Subsequently, the biometric information card server 100 transmits a payment approval request to the payment institution server 500 (S130). When the biometric information card server 100 successfully performs user authentication for payment, it transmits a payment approval request, which is a signal requesting payment approval, to the payment institution server 500 (eg, a card company server). can The payment approval request signal may include the user's financial information for payment, payment information, member store information, and the like.

Subsequently, the biometric information card server 100 receives a payment completion signal from the payment institution server 500 (S140). Upon receiving the payment approval request from the biometric information card server 100, the payment institution server 500 may proceed with the user's payment to the affiliated store, and upon completion of the payment, transmit a payment completion signal to the biometric information card server 100. there is. At this time, the payment institution server 500 may transmit the payment completion signal to the affiliated store terminal 300 as well as the biometric information card server 100 .

Subsequently, the biometric information card server 100 transmits a payment completion message to the user terminal 200 (S150). Upon receiving the payment completion signal, the biometric information card server 100 may transmit a payment completion message indicating that payment and all are completed to the user terminal 200 . In addition, when the affiliated store terminal 300 receives a payment completion signal from the payment institution server 500, the affiliated store terminal 300 sends the user terminal 200 specific information about the affiliated store used by the user, for example, the location of the affiliated store , Details of goods, food, and services used by the user, the IP address of the affiliated store, the affiliated store's name, the affiliated store's phone number, information on discount vouchers and coupons, and parking discount information can be delivered.

A payment method and system using a biometric information card according to an embodiment of the present invention generates a biometric information card using a user's biometric information and identification card information, obtains the user's biometric data in the process of making a payment, Authentication may be performed by comparing the biometric information included in the biometric information card to determine whether the user matches. As such, the user may not issue a tangible credit card for payment, and may not proceed with payment using a payment terminal disposed at an affiliated store using the IC-Chip of the credit card. In addition, the possibility of user information being exposed can be significantly reduced by using an intangible biometric information card using the user's biometric information compared to the case of making a payment using a credit card using a payment terminal of an affiliated store. In addition, by using an intangible biometric information card rather than a tangible payment method and proceeding with payment using the user terminal 200 while seated at a table, there is an effect that faster and more convenient payment can be performed. Accordingly, the existing payment system centered on affiliates can be changed into an efficient system centered on users.

In a payment method and system using a biometric information card according to another embodiment of the present invention, the biometric information card server 100 transmits information on discount coupons or coupons of affiliated stores to the user terminal 200 so that the user can receive discount coupons or coupons. You can use it to make payments.

Specifically, the biometric information card server 100 may receive information about discount vouchers or coupons usable at the corresponding affiliated store from the affiliated store terminal 300 . The biometric information card server 100 may receive a search input for a discount voucher or coupon of a corresponding affiliated store from the user terminal 200, and may transmit the discount voucher or coupon of the affiliated store to the user terminal 200 in response thereto. The user terminal 200 may proceed with payment at a discounted amount from the final payment amount using the received discount coupon or coupon, or may obtain a service, product, etc. corresponding to the coupon.

A payment method and system using a biometric information card according to another embodiment of the present invention allows a user to pay for parking costs for a vehicle parked in a parking lot of an affiliated store while making a payment for goods, food, or services, and , discount coupons or coupons can also be used to pay for these expenses.

Specifically, the user terminal 200 may transmit parking license plate number data to the affiliated store terminal 300 . The user may input parking vehicle number data, which is the number of the vehicle he/she has parked, into the user terminal 200, and the user terminal 200 may transmit the corresponding data to the affiliated store terminal 300. When generating payment information, the affiliated store terminal 300 may calculate a payment amount in consideration of parking fee data. That is, the payment information may further include payment information on parking fee data, or information on deduction of payment by a discount voucher or coupon.

A payment method and system using a biometric information card according to another embodiment of the present invention may provide a Dutch pay function when making a payment. Dutch Pay may refer to a function in which a plurality of users pay by dividing a payment amount.

Specifically, the biometric information card server 100 may receive Dutch Pay request data from the user terminal 200 and deliver divided payment information to the user terminal 200 and one or more other user terminals 200 . The Dutch Pay request data may include information about one or more other user terminals 200 participating in the Dutch Pay other than the user terminal 200, and in addition to that, each of a plurality of user terminals 200 participating in the Dutch Pay It may further include information about a split ratio of the entire payment amount for the total payment amount, a divided amount, and the like. When data on the split ratio and split amount is not included, the biometric information card server 100 may allocate the divided payment amount at the same ratio to all user terminals 200 as a basic ratio.

The biometric information card server 100 may proceed with the payment of the divided payment amount for each of the plurality of user terminals 200, and the method of proceeding with the payment authenticates each user using the biometric information card described above, Since the processes of transmitting a payment approval request to the payment institution server 500, receiving a payment completion signal, and transmitting a payment completion message to each user terminal 200 are the same, redundant descriptions will be omitted.

Of course, one or more of the various embodiments of the present invention can be combined to form a new embodiment.

A payment method using a biometric information card according to various embodiments of the present invention includes: (a) a biometric information card server authenticates the ID information of a user using a user terminal, and sends a biometric information card using the ID information and the user's biometric information; (b) the biometric information card server receives a payment request and biometric data from the user terminal that has received the payment information and affiliate store information from the affiliated store terminal, compares the biometric data with the biometric information included in the biometric information card, and (c) the biometric information card server transmits a payment approval request to the payment institution server, (d) the biometric information card server receives a payment completion signal from the payment institution server, and (e) The information card server may include transmitting a payment completion message to the user terminal.

According to another feature of the present invention, the authentication of the user's ID information in step (a) includes the step of receiving the ID image and the user's face image from the user terminal by the biometric card server, and registering the ID image by the biometric card server. It may include a step of receiving the authenticity of the ID card from the ID registration institution server by transmitting the information to the institution server, and an identity verification step of comparing the ID card image with the user's face image by the biometric information card server.

According to another feature of the present invention, in step (a), the biometric information card server obtains one or more biometric information of the user from the user terminal, extracts a feature point of each of the one or more biometric information, and extracts each of the one or more biometric information. Compare feature points and thresholds to generate biometric authentication data for each of one or more biometric information, combine each biometric authentication data to create integrated biometric authentication data, and create a biometric information card including integrated biometric authentication data. , In step (b), the biometric information card server stores the biometric information card server 100 and the user terminal 200 with a specific value in which environmental variables, state variables, and time variables are fused, respectively, and , The user is authenticated by comparing, and the one or more biometric information may include at least one of a face image, fingerprint, voice, signature, and movement.

According to another feature of the present invention, the affiliated store terminal may recognize the location of the user terminal and generate payment information based on a table number corresponding to the location.

According to another feature of the present invention, the affiliated store terminal generates a specialized image generated by encoding the payment information and the affiliated store information and transmits the specialized image to the user terminal, and the user terminal decodes the specialized image to obtain the payment information and the affiliated store information can be obtained.

According to another feature of the present invention, the user terminal transmits the parking vehicle number data to the affiliated store terminal, and the payment information received from the affiliated store terminal includes payment information for parking fee data and deduction of the payment amount by discount vouchers or coupons. More information may be included.

According to another feature of the present invention, the biometric information card server may further include receiving the Dutch Pay request data from the user terminal and transmitting the divided payment information to the user terminal and one or more other user terminals.

A payment system using a biometric information card according to various embodiments of the present invention authenticates a user terminal that transmits a user's identification card information and the user's biometric information to a biometric information card server, authenticates the identification information, and uses the identification information and biometric information A biometric information card server that generates a biometric information card, an affiliated store terminal that delivers payment information and affiliated store information to a user terminal, an ID registration authority server that authenticates identification information at the request of the biometric information card server, and a payment It includes a payment institution server, and the biometric information card server receives a payment request and biometric data from the user terminal, compares the biometric data with the biometric information included in the biometric information card, authenticates the user, and approves the payment to the payment institution server. A request may be transmitted, a settlement completion signal may be received from the payment institution server, and a payment completion message may be delivered to the user terminal.

In the above, the present invention has been described with specific details such as specific components and limited embodiments and drawings, but these are provided only to help a more general understanding of the present invention, and the present invention is not limited to the above embodiments. No, and those skilled in the art to which the present invention pertains may seek various modifications and variations from these descriptions.

Therefore, the spirit of the present invention should not be limited to the above-described embodiments, and it should be said that not only the claims to be described later, but also all modifications equivalent or equivalent to these claims fall within the scope of the spirit of the present invention. will be.

1000: Payment system using biometric information card
100: biometric information card server
200: user terminal
300: Merchant terminal
400: ID registration authority server
500: Payment institution server

Claims (8)

(a) a biometric information card server authenticating identification information of a user using a user terminal and generating a biometric information card using the identification information and biometric information of the user;
(b) the biometric information card server receives a payment request and biometric data from the user terminal that has received payment information and affiliate store information from the affiliated store terminal, compares the biometric data with the biometric information included in the biometric information card, authenticating the user;
(c) transmitting a payment approval request from the biometric card server to the payment institution server;
(d) the biometric information card server receiving a payment completion signal from the payment institution server; and
(e) a payment method using a biometric information card comprising the step of transmitting a payment completion message to the user terminal by the biometric information card server. According to claim 1,
The authentication of the identification information of the user in step (a),
receiving, by the biometric information card server, an identification card image and the user's face image from the user terminal;
receiving, by the biometric information card server, the authenticity of the ID card from the ID registration institution server by transferring the ID card image to the ID registration institution server; and
A payment method using a biometric information card comprising the step of comparing, by the biometric card server, the ID image and the user's face image. According to claim 1,
In step (a),
The biometric information card server,
One or more biometric information of the user is acquired from the user terminal, feature points of each of the one or more biometric information are extracted, and the feature point of each of the one or more biometric information is compared with a threshold value to determine the biometric information of each of the one or more biometric information. generating authentication data, generating integrated biometric authentication data by combining each of the biometric authentication data, and generating the biometric information card including the integrated biometric authentication data;
In step (b),
The biometric information card server,
Authenticating the user by storing and comparing a specific value obtained by convergence of environment variables, state variables, and time variables of the biometric information and the biometric data in a biometric information card server and a user terminal;
The biometric information and the biometric data may be selected or deleted according to the user's signal input at the user terminal;
The one or more biometric information includes at least one of a face image, fingerprint, voice, signature, and movement, a payment method using a biometric information card. According to claim 1,
The affiliated store terminal,
Recognizing the location of the user terminal, and generating the payment information based on the table number corresponding to the location, a payment method using a biometric information card. According to claim 1,
The affiliated store terminal,
generating a specialized image generated by encoding the payment information and the affiliated store information and delivering the specialized image to the user terminal;
The user terminal,
A payment method using a biometric information card, wherein the payment information and the member store information are obtained by decoding the specialized image. According to claim 1,
The user terminal transmits parking license plate data to the affiliated store terminal,
The payment method using a biometric information card, wherein the payment information received from the affiliated store terminal further includes payment information on parking fee data and information on deduction of payment amount by discount voucher or coupon. According to claim 1,
The method of payment using a biometric card, further comprising the step of the biometric card server receiving Dutch pay request data from the user terminal and transmitting the divided payment information to the user terminal and one or more other user terminals. a user terminal that transmits the user's identification information and the user's biometric information to the biometric information card server;
the biometric information card server authenticating the identification information and generating a biometric information card using the identification information and the biometric information;
an affiliated store terminal that transmits payment information and affiliated store information to the user terminal;
an identification registration authority server performing the authentication of the identification information upon request of the biometric information card server; and
Including a payment institution server that performs payment;
The biometric information card server,
Receiving a payment request and biometric data from the user terminal, and authenticating the user by comparing the biometric data with the biometric information included in the biometric information card;
Sending a payment approval request to the payment institution server;
Receiving a settlement completion signal from the payment institution server;
A payment system using a biometric information card that transmits a payment completion message to the user terminal.

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