KR20240012644A - Simple Payment Method and Summary through Biometrics - Google Patents

Abstract

The present invention relates to a simple payment method using biometrics such as fingerprint or iris.
Step A, where the user terminal requests a simple payment from the affiliated company terminal; Step B, where the affiliated company terminal provides simple payment service items that can be used by the user terminal among the plurality of simple payment services built on the platform; and where the user terminal Step C of selecting one of the simple payment services and executing the payment application of the simple payment service; Step E of confirming the user's identity through biometric authentication linked to the payment application by the user terminal; and The technical gist is to include step F of requesting payment approval from the affiliated company terminal through the payment application when identity verification is confirmed.

Description

Simple payment method and summary through biometrics}

The present invention relates to a method and gist of simple payment through biometric recognition, and more specifically, to a method and gist of simple payment through biometric recognition such as fingerprint or iris.

As information and communication technology develops, the number of users who pay cash to purchase goods or use services is disappearing, and most people currently use credit cards.

Generally, credit cards have a magnetic strip on the back for user authentication, and credit card information such as credit card issuance number, expiration date, and password is recorded on the magnetic strip. Additionally, a handwritten signature field is provided on the back of the credit card to record the credit card holder's handwritten signature.

A user using a credit card having the above configuration is authenticated and identified through the credit card information recorded on the magnetic strip and the signature in the handwritten signature field.

Hereinafter, a credit card payment operation according to the prior art will be described with reference to Figure 1.

Referring to Figure 1, the credit card payment system according to the prior art includes a credit card input unit 102 that scans credit card information stored in the credit card 100, and a data processing unit 104 that processes the information stored in the credit card 100. ), a wired and wireless network data processing unit 106 for transmitting and processing the data processed in the data processing unit 104 over a short or long distance, a wired and wireless data transmitting and receiving unit 108 for transmitting and receiving data output through wired and wireless network data processing, A wired or wireless network 110 that transmits and receives data by relaying, a credit information processing unit 112 that processes data output through the wired or wireless network 110 into payment rejection or payment approval based on the information stored in the credit information server, and credit information It consists of a data display unit 114.

Here, the data processing unit 104, the wired and wireless network data processing unit 106, and the wired and wireless data transmitting/receiving unit 108 are inside the terminal of an affiliated company registered with the credit card company (not shown) that issued the credit card 100. It is a component.

The operation of the credit card payment system according to the prior art having the above configuration is as follows.

When a certain user purchases an item using a credit card 100, the credit card input unit 102 scans the magnetic data recorded on the magnetic tape of the credit card 100 that is inserted or contacted and enters the data processing unit ( 104). The data processing unit 104 extracts credit card information such as credit card number, expiration date, or password from the magnetic data, transforms the payment request signal along with the extracted credit card information into a preset data format, and transmits it to the wired/wireless network data processing unit. Output as (106).

The wired/wireless network data processing unit 106 converts the credit card information and payment request signal input from the data processing unit 104 into a short-distance or long-distance transmission format and outputs it to the wired/wireless data transmitting/receiving unit 108.

The wired and wireless data transmitting and receiving unit 108 transmits credit card information and payment request signals input from the wired and wireless network data processing unit 106 to the wired and wireless network 110, and the wired and wireless network 110 relays the credit card information and payment request signals. and output to the credit information processing unit 112.

The credit information processing unit 112 verifies the credit card information transmitted through the wired or wireless network 110 based on pre-stored credit card information, determines whether the user is disqualified from use, and sends a payment rejection or payment approval signal to the wired or wireless network. It is output to the wired/wireless data transmitting/receiving unit (108) through (110).

In other words, the credit information processing unit 112 compares the credit card information stored in advance with the credit card information transmitted through the wired or wireless network 110 in response to a credit card payment request, thereby confirming only the user's disqualifications for using the credit card. do. Here, the credit card information stored in the credit information processing unit 112 includes the credit card holder's personal information, credit card information, and credit card usage history information. At this time, credit card information includes credit card number, expiration date, or password.

The conventional credit card payment system configured in this way verifies the identity of the credit card user by comparing the credit card user's handwritten signature with the handwritten signature written on the back of the credit card after payment approval.

However, although the process of verifying identity through the above-mentioned handwritten signature must be performed, it is generally omitted, making it difficult to verify the identity of the credit card user, resulting in serious damage caused by illegal owners of credit cards.

Additionally, when verifying the credit card owner based on the handwritten signature written on the back of the credit card, the credit card holder must be careful not only to ensure that the handwritten signature on the back of the credit card is not damaged, but also to ensure that the handwritten signature on the back of the credit card is not damaged. In some cases, accurate identity verification may not be possible.

In order to resolve the inconvenience caused by identity verification through handwritten signatures, a technology has been proposed to verify the identity of credit card users using biometric information that has unique characteristics for each individual.

Here, biometric information refers to characteristic information for distinguishing individuals, and currently used biometric information includes fingerprint information, iris information, back of the hand vein information, voice information, and face recognition information.

Fingerprint information is the most commonly used biometric information and is used in various forms such as door locks, fingerprint recognition video phones, and fingerprint recognition mice.

Although technology using iris information is not currently miniaturized, equipment is available that determines the user's identity through an iris image feature extraction process.

In addition, the technology that uses information on the veins on the back of the hand is presented as a device that captures the vein pattern with an infrared camera and identifies the user through an extraction process of image features.

Technology using voice information is a technology that receives the user's voice input, removes noise, and then generates a voiceprint. It is based on pitch information according to the user's intonation and speaking habits, including LPC (Linear Predictive Coding) and HMM (Hidden Markov Models) and neural networks are used.

Technology that uses facial information receives the user's face screen, extracts facial parts using techniques such as neural net, active cantau, and mosaic, and then uses the LFA (Local Feature Analysis) algorithm to extract unique facial information for each user. It is a technology that uses information by creating and storing.

This method of verifying the identity of a credit card user using biometric information involves pre-storing the user's biometric information within the credit card and comparing the user's biometric information entered when requesting credit card payment approval with the pre-stored biometric information. Accordingly, the identity of the credit card user is verified.

Meanwhile, when issuing a credit card, the biometric information of the credit card user is input and stored in the credit information processing unit 112, and the biometric information of the user input when requesting credit card payment approval is compared with the biometric information stored when issuing the credit card. Performs identity verification of the card user.

However, the above-described prior art requires a process of registering biometric information to verify the credit card user's identity when issuing a credit card, so there is a problem in that users' desire for credit card issuance is reduced due to the inconvenience of registering biometric information. .

In addition, the conventional technology of storing biometric information in a credit card and performing identity verification accordingly has the problem of requiring a huge credit card replacement cost because the existing credit card must be replaced with a new credit card.

In addition, in the prior art, complex operations such as comparison of biometric information stored in the credit card and biometric information input from the user and subsequent authentication are performed at the terminal of the credit card affiliated company, so the price of the terminal of the credit card affiliated company is not high. There are also problems.

In addition, the prior art requires continuous storage and management of biometric information of users who have no credit card use history after receiving a credit card, so there is a problem that a lot of manpower and economic costs are required to manage this information. , Recently, with the activation of mobile payments using smartphones and the relaxation of fintech regulations by financial authorities, various online and offline simple payment services have been launched in the market.

Simple payment refers to a platform that allows payment with simple authentication using various payment methods such as Near Field Communication (NFC), Magnetic Secure Transmission (MST), SIM card, Beacon, R code, and barcode.

Simple payment, one of the main areas of fintech, is one of the few industries expected to see high growth in a low-growth era. Companies have judged that the marketability of simple payment is sufficiently high and the market is growing rapidly.

However, with too many simple payments being released in a short period of time, confusion is increasing for both affiliated companies and users. A representative problem is that each simple payment has different characteristics and uses, confusing users.

In addition, there are too many types of simple payments for affiliated companies to decide which one to adopt, and it is difficult to determine which one is advantageous to them. Moreover, if the simple payment system already selected becomes a minority, the problem of having to replace the system with another simple payment system late may arise.

In particular, with the spread of smartphones and the fintech craze, simple payments are mushrooming, and there are a series of advertisements for smartphone simple payments in the media. However, the features they promote are all different, so it is difficult for affiliates and users to decide which one is advantageous for them. The situation is difficult.

The purpose of the present invention to solve the problems derived from the preceding background technology is to provide biometric recognition that can be easily used by omitting the process of registering biometric information for identity verification with a simple payment provider for simple payment for biometric recognition. It provides a simple payment method.

In addition, the purpose of the present invention is to enable biometric information authentication entered during simple payment to be performed on the user terminal rather than the affiliated company terminal, thereby reducing the biometric information management work of the simple check provider and simplifying the biometric authentication process. The goal is to provide a simple payment method using biometrics that allows payment.

In addition, the purpose of the present invention is to collect many types of simple payment services so that affiliated companies can select and provide them according to conditions that are advantageous to them, as well as to allow users to easily use simple payment services with recommended benefits that are advantageous to them. The goal is to provide a simple payment method using biometrics that allows payment.

Meanwhile, the purpose of the present invention is not limited to the purposes mentioned above, and other purposes not mentioned can be clearly understood from the description below.

The above purpose is to, in accordance with an embodiment of the present invention, in the simple payment method using biometrics based on a platform built in partnership with a plurality of simple payment providers, the user terminal requests simple payment to the affiliated company terminal. Step A; Step B in which the affiliated company terminal provides simple payment service items usable by the user terminal among a plurality of simple payment services built on the platform; Step C in which the user terminal selects one of the simple payment services and executes a payment application for the simple payment service; Step E in which the user terminal verifies the user's identity through biometric authentication linked to the payment application; And when identity authentication is confirmed at the user terminal, step F of requesting payment approval from the affiliated company terminal through the payment application. Here, in step B, the affiliated company terminal selects a plurality of simple payment service items in order of lowest affiliate fee.

It can be sorted in ascending order and provided to the user terminal.

At this time, in step B, the affiliated company terminal may select the item with the lowest affiliate fee among the plurality of simple payment service items and provide a recommendation and an emphasis image that highlights payment benefit information to the item.

Meanwhile, in step B, the affiliated company terminal may sort a plurality of simple payment service items by payment benefit and provide them to the user terminal.

Furthermore, in step E, biometric authentication can be performed through a case equipped with at least one biometric module and detachably coupled to the user terminal.

In addition, before step E, step D in which the user terminal receives a payment password for primary authentication and transmits it to the simple payment server through the affiliated company terminal to confirm the password may be further included.

According to the present invention according to the above-described embodiments, the following effects can be expected.

First, since there is no need to register the user's biometric information with the simple payment provider, the user can easily use the simple payment service. Moreover, since biometric authentication information is not transmitted to the simple payment provider, it has the effect of improving personal information security.

Second, there is an effect that the biometric authentication process for simple payment can be simplified by allowing authentication of biometric information entered during simple payment to be performed on the user terminal rather than the affiliated company terminal.

Third, after performing biometric authentication through the user terminal, only the results of whether the biometric authentication was successful or not are sent to the simple payment provider in the form of small data, which has the effect of reducing network load, storage space, time, and cost.

Fourth, affiliates can promote that all types of simple payments are possible, so it is easy to attract customers, and they can increase their profits by providing customers with simple payments in order of low affiliate fees, and users can also benefit from them. There is an effect of being able to easily use a simple payment system with advantageous benefits.

The advantages and features of the present invention and methods for achieving them will become clear by referring to the embodiments described in detail below along with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below and will be implemented in various different forms, but the present embodiments only serve to ensure that the disclosure of the present invention is complete and are consistent with common knowledge in the technical field to which the present invention pertains. It is provided to fully inform those who have the scope of the invention. And the terms used in this specification are for describing embodiments and are not intended to limit the present invention. In this specification, singular forms also include plural forms unless specifically stated in the phrase.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the attached drawings. Meanwhile, illustrations and detailed descriptions of the configuration and its operations and effects that can be easily seen by those with ordinary knowledge in the relevant technical field will be simplified or omitted and will be explained in detail focusing on parts related to the present invention.

The present invention is based on a platform built in partnership with a plurality of simple payment providers, and this platform can be installed to interoperate with the user terminal and the affiliated company terminal in the form of an application. Here, the terminal refers to the user's operation. This refers to the ability to transmit and receive various data via a communication network, and may include smartphones, tablets, laptops, desktops, etc.

In addition, the terminal performs voice or data communication using a communication network, and includes a browser for communicating with the service provider via the communication network, memory for storing programs and protocols, and a microprocessor for calculating and controlling various programs. It refers to a terminal equipped with a backlight.

In particular, the present invention is a simple payment method based on FinTech, and is applied to financial service technology that has evolved into information technology (IT) by combining finance and technology.

More specifically, fintech is a compound word of financial, meaning finance, and technology, meaning technology. It refers to a new form of financial technology that is differentiated from existing financial techniques by utilizing cutting-edge technologies such as mobile, social network services (SNS), and big data. In other words, it is an alternative financial service in various fields such as remittance, payment, asset management, and funding that moves away from traditional store-centered financial services and takes advantage of internet and mobile-based platforms that are highly accessible to consumers. Traditional financial institutions have secured essential accessibility and reliability for financial services through customer consultation through offline stores, strong security systems, and credit evaluation based on database linkage with institutional institutions. On the other hand, fintech companies basically combine innovative ideas and cutting-edge technology to create a new type of financial business model that is differentiated from existing financial transaction methods.

The criteria for classifying fintech business models and business areas are largely banking and data analytics, payment, capital market tech, and financial asset management. It is being organized into different areas.

The emergence of FinTech is destroying the existing financial order and producing business models based on creativity and innovation. This is because technologies are emerging one after another that break down existing barriers such as types of currency and payment systems, and are simpler and even address security issues. Recently, in addition to simple payment or remittance services, algorithmic technology has emerged that accurately identifies customers' personal information, credit rating, financial accidents, etc. through big data analysis, expanding its scope to include personal asset management services.

As can be seen in Figures 2 to 4, the simple payment method using biometrics according to an embodiment of the present invention premised on the above points includes step A in which the user terminal requests simple payment from the affiliated company terminal. Step B, where the affiliated company terminal provides simple payment service items available to the user terminal among the plurality of simple payment services built on the platform, and the user terminal selects one of the simple payment services to make the corresponding simple payment Step C of executing the payment application of the service, Step E of verifying the user's identity through biometric authentication linked to the payment application, and when identity authentication is confirmed by the user terminal, the payment application is processed through the payment application. It includes step F, which requests payment approval through the affiliated company’s terminal.

First, in step A, the user terminal requests a simple payment from the affiliated company's terminal, and at this time, the affiliated company's terminal is used both online and offline. That is, in the case of online, such as shopping malls, it may be a terminal with a strong server concept, and in the case of offline, it may be a terminal with a strong concept of a device installed in a store.

Next, in stage B, multiple simple payment services are provided so that the user can select them. In other words, by providing a platform that combines various simple payment services in the form of an open market, affiliates can provide all simple payment services through one payment window, and customers can choose the simple payment service they want without restrictions. .

Here, the affiliated company terminal may arrange a plurality of simple payment service items in ascending order of lowest affiliate fee and provide them to the user terminal. Accordingly, affiliates can not only reduce affiliate fees, but also enable simple payment service providers to compete with each other in fee reduction and service quality.

At this time, the affiliated company's terminal may select the item with the lowest affiliate fee among the plurality of simple payment service items and give the item a recommendation and emphasis image that highlights payment benefit information. This increases the probability that users will select the simple payment service with the lowest affiliate fee, and allows affiliates to maximize the resulting fee savings.

In addition, affiliate terminals can expect new revenue sources by receiving a certain amount of advertising fees from the simple payment service provider and providing advertising text or images to the user terminal to promote the simple payment service of the provider. For example, by providing events such as issuing coupons or providing discount benefits when using Company A's simple payment, we can increase the use of Company A's simple payment.

Meanwhile, the affiliated company terminal may sort a plurality of simple payment service items by payment benefit and provide them to the user terminal. Accordingly, by recommending the optimal simple payment that suits the customer's situation, we can provide great benefits to the user, which in turn can lead to an increase in the company's sales.

Next, the application executed in step C is provided by the simple payment provider and is installed on the user terminal upon first use. These applications are only run when using simple payment, and may be implemented in slightly different forms depending on the provider.

In addition, the application may display various types of advertising text or images as well as information for payment, and advertising information related thereto may be provided in conjunction with the consumption pattern of the user terminal.

Next, before the biometric authentication step, step D may be further included in which the user terminal receives a payment password for primary authentication and transmits it to the simple payment server through the affiliated company terminal to confirm the password. This is for high-intensity security and is intended to prevent situations where biometric information is abused regardless of the user's intention.

Here, if the primary password authentication fails, the simple payment server can guide the user to input additional personal information such as a resident registration number or unique number among the personal information entered by the user.

Next, in step E, biometric authentication is performed on the user terminal. In other words, the biometric identification process can be simplified by allowing it to be performed on a user terminal such as a smartphone, rather than an affiliated company terminal. Moreover, it is advantageous in terms of cost and management because affiliate terminals or simple payment service providers do not need to build devices or programs for biometric recognition. In addition, since the user's biometric information is not transmitted to external servers through the network, leakage of personal information can be minimized.

Biometrics is an authentication method that extracts an individual's unique biometric information and converts it into information.

Personal characteristics such as face shape, voice, fingerprints, eyes, etc. not only cannot be used by others to steal or copy like keys or passwords, but also have no risk of being changed or lost, making them highly useful in the security field. It has the advantage of being able to build a safe system from a management perspective as it is possible to follow up on users. Examples of using biometrics include fingerprints, voice, face, iris, palm print, and vein distribution.

Finger scan is currently one of the most popular biometric identification methods. Fingerprints made in the dermis, the layer below the epidermis of the skin, have characteristics that do not change throughout life unless the dermis is damaged, so they have been widely used as a way to recognize individuals for a long time.

Vein recognition is a technique that recognizes the shape of blood vessels on the back of the hand or wrist. It uses infrared rays to see through the blood vessels and then uses the afterimage to confirm identity. This has high security as it is almost impossible to copy. Finger vein recognition is convenient because the vein pattern is simple and small compared to the back of the hand.

Iris scan uses the iris pattern of the eye, which has unique characteristics for each person. It is evaluated as the most advanced security system compared to fingerprint or retina recognition in terms of data accuracy and stability, ease of use, and processing speed. . The iris develops a unique pattern within the first 1 to 2 years of life and does not change throughout life. Iris recognition allows identification within 2 seconds through the process of converting the wrinkles of the iris into frequencies. Also, because the iris of a living person trembles slightly, it is almost impossible to steal it. Since it is a non-contact method that recognizes the iris pattern with an auto-focus camera from about 8 to 25 cm away, there is no discomfort when using it.

In the case of voice recognition, it started from the fact that pitch information according to a person's intonation and speaking habits all have unique characteristics. Unlike other biometrics fields, it has the advantage of being able to verify identity using a phone even from a remote location, requiring no separate training to use it, and having a low cost system. On the other hand, it is vulnerable when the voice is hoarse due to a cold or other factors, when the voice is intentionally imitated by another person, or when there is loud noise in the surrounding environment. Therefore, in order to apply it to the security field, technology to extract voice signals after noise processing is a priority. It has to be.

Face recognition is divided into two methods: identifying the shape of the face in three dimensions and analyzing the heat distribution of the face. The advantage is that there is less resistance because you do not have to put your face close to the face, but there is a problem that the recognition rate varies greatly depending on the angle of the face, facial hair, changes in facial expression, and lighting. Accordingly, more complex face authentication technology was developed, and a system was introduced to authenticate and judge the face by first identifying the entire outline of the face, the location information of the eyes, nose, and mouth, and the corresponding features. In addition, after extracting and converting only the outline of the face, other facial feature elements are selected based on line density, etc., and the face is recognized by comparing the face extracted from the image with the user's face registered in the existing system.

In addition, security can be further strengthened by using multimodal biometrics, which combines 2 to 3 biometrics, and various biometrics related to the body, such as gait, body odor, ear shape, and genetic information, can be used. It is well known that additions may be made.

Meanwhile, in step E, biometric identification can be implemented through a case as shown in Figure 5, and can be made in the form of a smartphone battery cover or protective case and detachably coupled to the smartphone. This case is equipped with at least one biometric module and performs biometric authentication in conjunction with the simple payment application of the user terminal. Therefore, biometric authentication can be performed even on user terminals without biometric recognition functions, and it can be easily attached and detached, making it easy for anyone to use. Of course, it can also be used as a smartphone accessory case with various functions.

Next, in step F, payment approval is requested when identity verification is confirmed, and the simple payment server completes payment approval if there are no problems with payment processing, such as exceeding the limit or reporting theft. At this time, the simple payment server can collect payment information from user terminals and affiliated store terminals for which payment has been completed, and such payment information can be used as important data for simple payment providers to understand consumption and payment patterns.

According to the embodiments of the present invention described so far, the following effects can be expected.

First, since there is no need to register the user's biometric information with the simple payment provider, the user can easily use the simple payment service. Moreover, since biometric authentication information is not transmitted to the simple payment provider, it has the effect of improving personal information security.

Second, there is an effect that the biometric authentication process for simple payment can be simplified by allowing authentication of biometric information entered during simple payment to be performed on the user terminal rather than the affiliated company terminal.

Third, after performing biometric authentication through the user terminal, only the results of whether the biometric authentication was successful or not are sent to the simple payment provider in the form of small data, which has the effect of reducing network load, storage space, time, and cost.

Fourth, affiliates can promote that all types of simple payments are possible, so it is easy to attract customers, and they can increase their profits by providing customers with simple payments in order of low affiliate fees, and users can also benefit from them. There is an effect of being able to easily use a simple payment system with advantageous benefits.

The foregoing has described the features and technical advantages of the present invention rather broadly to enable a better understanding of the claims of the invention to be described later. Those skilled in the art to which the present invention pertains will understand that the present invention can be implemented in other specific forms without changing its technical idea or essential features. Therefore, the embodiments described above should be understood in all respects as illustrative and not restrictive. The scope of the present invention is indicated by the claims described below rather than the detailed description above, and all changes or modified forms derived from the claims and their equivalent concepts should be construed as being included in the scope of the present invention.

Claims (6)

In the simple payment method using biometrics based on a platform built in partnership with a plurality of simple payment providers, step A in which the user terminal requests simple payment from the affiliated company terminal;
Step B in which the affiliated company terminal provides simple payment service items usable by the user terminal among a plurality of simple payment services built on the platform;
Step C in which the user terminal selects one of the simple payment services and executes a payment application for the simple payment service;
Step E in which the user terminal verifies the user's identity through biometric authentication linked to the payment application; and
Step F of requesting payment approval from the affiliated company terminal through the payment application when identity verification is confirmed at the user terminal;
Simple payment method and summary through biometrics comprising: The method of claim 1, wherein in step B,
Simple payment method and gist through biometrics, characterized in that the affiliated company terminal sorts a plurality of simple payment service items in ascending order of lowest affiliate fee and provides them to the user terminal. The method of claim 2, wherein in step B,
Simple payment through biometrics, characterized in that the affiliated company terminal selects the item with the lowest affiliate fee among the plurality of simple payment service items and gives the item a recommendation and highlighted image that highlights payment benefit information. How and Gist. The method of claim 1, wherein in step B,
Simple payment method and gist through biometrics, characterized in that the affiliated company terminal sorts a plurality of simple payment service items by payment benefit and provides them to the user terminal. The method of claim 1, wherein in step E,
A method and gist of simple payment through biometrics, characterized in that biometric authentication is performed through a case provided with at least one biometric module and detachably coupled to the user terminal. The method of claim 1, wherein before step E,
Step D in which the user terminal receives a payment password for primary authentication and transmits it to the simple payment server through the affiliated company terminal to confirm the password;
Simple payment method and gist through biometrics, further comprising: