WO2014051316A1 - Système et procédé de paiement par carte de crédit utilisant des informations d'iris - Google Patents

Système et procédé de paiement par carte de crédit utilisant des informations d'iris Download PDF

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Publication number
WO2014051316A1
WO2014051316A1 PCT/KR2013/008558 KR2013008558W WO2014051316A1 WO 2014051316 A1 WO2014051316 A1 WO 2014051316A1 KR 2013008558 W KR2013008558 W KR 2013008558W WO 2014051316 A1 WO2014051316 A1 WO 2014051316A1
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WO
WIPO (PCT)
Prior art keywords
payment
card
information
iris information
iris
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Application number
PCT/KR2013/008558
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English (en)
Korean (ko)
Inventor
김성현
Original Assignee
주식회사 아이락글로벌
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Publication of WO2014051316A1 publication Critical patent/WO2014051316A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V10/00—Arrangements for image or video recognition or understanding
    • G06V10/40—Extraction of image or video features
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/18—Eye characteristics, e.g. of the iris
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/50—Maintenance of biometric data or enrolment thereof
    • G06V40/55—Performing matching on a personal external card, e.g. to avoid submitting reference information

Definitions

  • the present invention relates to a card payment system using iris information and a card payment method using iris information. More particularly, the iris information obtained at a payment site in a card payment system including a financial card, a card terminal, and a payment server is provided.
  • the present invention relates to a card payment system and a card payment method configured to authorize payment by authenticating a financial card user.
  • financial cards including credit cards, debit cards, cash cards, smart cards, IC cards, and the like are widely used as payment methods used in place of cash when a card holder purchases certain goods or services.
  • Such a financial card enables the purchase of goods or the like when the balance or the user's credit limit remain in the payment account, or withdraw cash from an ATM.
  • such a financial card currently does not provide a clear user verification method for confirming whether a user who attempts a payment processing using a financial card is an actual owner. For example, a method of visually confirming the signature of the card holder in the signature column of the financial card and handwriting the slip of the purchased item every time the financial card is used is provided. Since such a handwritten signature is simple to steal, it is limited to determine whether the card user is the actual owner only by the handwritten signature.
  • An object of the present invention is to provide a system and method for recognizing the limitations of owner verification by signature as described above, and fully determining whether a user using a financial card is an actual owner using an iris. .
  • Another object of the present invention is to minimize the inconvenience of attempting iris authentication to a user of a financial card in implementing a system and method for verifying a user using an iris.
  • Card payment system using the iris information for achieving the above object: a financial card that stores the unique card information set to the user so that a predetermined user can perform a financial transaction, A financial card further storing registered iris information generated by photographing the iris of the user when the financial card is first issued; A portable device having a function of communicating predetermined information through an NFC function and a function of generating iris information for payment from an iris image of the user photographed with the camera; Receiving card information and the registered iris information from the financial card of the user, receiving the iris information for payment through the NFC function from the portable device, a predetermined payment amount and the card information input from the financial card; A card terminal which transmits the registered iris information and the payment iris information provided from the portable device through a financial settlement communication network to request payment processing; And the payment amount of the financial card using the card information when the registration iris information and the iris information for payment are matched with each other by being connected to the card terminal through the financial settlement communication network. And a payment
  • the portable device may include an iris recognition application, and when the user executes the application, the portable device may control the camera of the portable device to photograph the iris of the user, and the photographed iris image.
  • the NFC function of the mobile device and the card terminal is connected by generating the iris information for payment of the user and controlling the NFC function of the portable device, the generated iris information for the payment is generated using the NFC function.
  • Each function of the portable device is controlled to be transmitted to the card terminal via.
  • the payment iris information generated by the application of the portable device uses a different algorithm from a method of generating predetermined iris information in a security management function at the logon of the portable device, or the generated payment iris information.
  • a separate delimiter is added to the iris information, or the generated iris information for payment is packaged by a predetermined encryption algorithm.
  • the portable device may further include a function of transmitting the time of generating the payment iris information to the card terminal through the NFC function, and the payment server receiving the time from the card terminal or the card terminal. Requests the payment processing only when the time is within a predetermined time from the time when the card information is input from the card terminal.
  • the card terminal guides the user to input payment iris information.
  • Card payment method using the iris information for payment for achieving the above object: a unique card information and the card to the financial card issued to the user so that a predetermined user can perform a financial transaction; Storing registered iris information generated by photographing a user's iris; Generating, by the portable device, payment iris information of the user from an iris image of the user's iris photographed using a camera; A card terminal receives the card information and the registered iris information from the financial card of the user, receives the iris information for payment through the NFC function from the portable device, and then inputs a predetermined payment amount from the financial card.
  • Requesting payment processing by transmitting the card information, the registered iris information, and the payment iris information provided from the portable device to a payment server through a financial payment communication network;
  • the payment server connected to the financial settlement communication network compares the registered iris information received from the card terminal with the payment iris information and matches each other, the payment of the financial card is performed using the card information.
  • the mobile device may transmit the time at which the payment iris information is generated to the card terminal through the NFC function, and at the payment server receiving the time from the card terminal or the card terminal, The card terminal further performs a procedure of processing the request for payment processing only within a predetermined time from the time of receiving the card information.
  • the card terminal further performs a procedure of instructing the user to input payment iris information when the card information and the registered iris information are input from the user's financial card.
  • Card payment system using the iris information for achieving the above object: a financial card for storing the unique card information issued to the user so that a predetermined user can perform a financial transaction; ; A portable device having a function of communicating predetermined information through an NFC function and a function of generating iris information for payment from an iris image of the user photographed with the camera; Receiving the card information from the financial card of the user, receiving the iris information for payment through the NFC function from the mobile device, and providing a predetermined payment amount and the card information input from the financial card and the mobile device A card terminal for requesting payment by transmitting the received iris information for payment through a financial payment communication network; And the card terminal received from the card payment communication network, the card information received from the card terminal, the payment iris information of the portable device, and the user's financial card upon issuing the financial card to the user for the first time. And comparing the registered iris information obtained by photographing and storing the iris with each other, and processing the request for payment processing for the
  • the portable device may further include a function of transmitting the time of generating the payment iris information to the card terminal through the NFC function, and the payment server receiving the time from the card terminal or the card terminal.
  • the processor processes the request for payment processing only when the time is within a predetermined time from the time when the card information is input by the card terminal.
  • the payment server may further include a database configured to store the registered iris information using the card information as an index, and when the request for payment processing is received from the card terminal, the payment iris information and the payment information. Compare or not match with the registered iris information stored in the database.
  • the present invention having the above-described configuration, when the user requests a payment of a predetermined amount using the financial card, since the iris is used, it is possible to perfectly determine whether the user using the financial card is the actual owner. It is possible to completely prevent accidents caused by the back.
  • the procedure of photographing the iris may be processed in a portable device such as a user's smartphone, rather than bringing eyes to a device fixed at a specific location. Since the processed information from the photographed iris can be simply and quickly transmitted to the card terminal through the NFC function, the procedure for photographing the iris can be simplified and a separate device connection procedure prior to the information transmission can be omitted.
  • the function of photographing the iris and generating and transmitting the iris information for payment is performed by the application mounted on the portable device, even if the card payment system and method using the iris information are changed, the user may not execute the application mounted on the portable device. You can respond simply by updating.
  • FIG. 1 is a simplified block diagram of a card payment system using iris information according to an embodiment of the present invention.
  • FIG. 2 is a flowchart illustrating a card payment method processed by the system shown in FIG.
  • FIG. 3 is a simplified block diagram of a card payment system using iris information according to another embodiment of the present invention.
  • FIG. 4 is a flowchart for explaining a card payment method processed by the system shown in FIG.
  • the card payment system using the iris information according to an embodiment of the present invention the financial card 10, the portable device 20, the card terminal 30, and the payment server 40 to be configured Can be.
  • the financial card 10 is a commercially available general financial transaction card, and may be, for example, a credit card, a debit card, a traffic card, or the like, and is preferably a smart card with an IC chip inserted therein. Further, the financial card may include a variety of electronic payment means that can support financial transactions using wired or wireless communication means such as RFID, Bluetooth, NFC, mobile phone communication network, in particular, in the present invention, the financial support for NFC communication It is assumed that you use a card.
  • a user of a financial card may use the financial card 10 when he or she wants to pay a cost in return for receiving a certain good or service at a store.
  • the financial card 10 may store various kinds of information (card information) for financial transactions, including unique information for each financial card or identification information for each legitimate user (or owner) of the financial card, by an electromagnetic method. have.
  • the card information thus stored may be transmitted to the card terminal in a contact or contactless manner by an electromagnetic method.
  • the financial card 10 can store registered iris information.
  • smart cards with built-in IC chips which provide security functions and large data storage functions, have been widely used as financial cards, so that registered iris information can be securely stored in the financial cards.
  • the registered iris information is an iris entered as information for proving that the user is a normal user (user allowed to use) of the financial card when the financial card is first issued by a card company or a bank (card issuer).
  • Information that is, when the user receives the initial card, the user photographs the iris through a camera disposed at the card company or the bank, and the iris information for payment generated through the card is securely stored in the financial card to be issued as the registered iris information.
  • the user may update the new registered iris information after a predetermined authentication procedure while using the issued existing financial card.
  • the portable device 20 may be a multifunctional electronic device such as a general smart phone. Further, the portable device 20 includes a camera 21 capable of capturing the iris of the user so that payment processing using the iris information to be used in the present invention can be performed. An application 22 may be mounted to provide a function for obtaining payment iris information of a user from an image.
  • the portable device 20 may include a communication module 23 for communicating with the card terminal 30.
  • the portable device 20 may be identified by the card terminal 30. It is desirable to have a communication module that supports the NFC function that can be automatically transferred to the data when brought closer to the location within 1M.
  • the application 22 of the portable device activates the camera 21 of the portable device when the user executes the application 22, and photographs the iris of the user when the user brings his or her eye closer to the camera 21. Acquire an iris image and analyze the photographed iris image to generate payment iris information.
  • the application 22 activates the NFC function of the mobile device 20 at the same time as the execution, and the user approaches the mobile device 20 to the card terminal 30 so that the mobile device 20 and the card terminal 30 can be connected to each other. As soon as the NFC function is connected, the generated payment iris information is transmitted to the card terminal 30 through the NFC function.
  • the concept of transmitting here is that the iris information is electromagnetically recorded in a tag that supports the NFC function of the mobile device 20, and the card terminal 30 receives the tag from the tag of the mobile device 20 through its NFC function. Same as reading.
  • the algorithm for generating payment iris information from the iris image of the user in the application 22 of the portable device may be configured to operate in the same or similar manner as that used by the card company or bank to obtain registered iris information from the user.
  • the same payment iris information is generated for the same user.
  • the card terminal 30 reads card information in a contact or contactless manner from the financial card that requested the payment processing. Further, the registered iris information embedded in the financial card 10 is read.
  • the card terminal 30 is provided with a communication means (not shown) that supports the NFC function, the user's portable device 20 when the user approaches his mobile device 20 to the card terminal 30 Opens the NFC function, and receives the necessary information from the portable device 20, in particular, receives the payment iris information generated by the iris image taken from the user to attempt the payment process.
  • the card terminal 30 may communicate with the payment server 40 through a wired or wireless communication network (financial transaction communication network) for financial settlement.
  • a communication network may be, for example, a wired network supporting a security function, a wired or wireless Internet communication network, a mobile phone communication network, a general telephone network, a power line communication network, or the like.
  • the card terminal 30 transfers the card information and the registered iris information input from the financial card 10 and the payment iris information received from the portable device 20 through the NFC function to the payment server 40 through a communication network. send. In addition, payment amount information for requesting payment processing is also transmitted.
  • the user upon being notified of the completion of the normal payment processing transmitted from the payment server 40 as a result of the transmission, the user transmits the payment completion and outputs a corresponding receipt. If the payment server 40 is notified of the failure of the payment process, the user may be guided to photograph the iris again, or may be an abnormal payment attempt by an invalid user.
  • the card 10 may be configured to confirm that the card 10 is set to perform user authentication using the iris information, and to guide the user through voice or screen display to input the iris information for payment using the portable device 20.
  • the payment server 40 may be a server of a bank or a VAN server of a card company that supports general financial payment processing by the financial card 10, or comprehensively configures all components necessary for performing payment processing by the financial card. Can be understood as generic.
  • the payment server 40 receives the card information, the registered iris information, the iris information for the payment, and the payment amount information transmitted from the card terminal 30, and checks the credit information or the balance information of the corresponding financial card to process the payment. Can be performed.
  • the payment server 40 when the payment server 40 receives the card information, the payment iris information and the registered iris information from the card terminal 30, the payment server 40 exchanges the iris information of the financial card 10 and the iris information of the portable device 20 with each other.
  • the two are matched with each other (or when the degree of matching is equal to or greater than a predetermined reference value) and determined to be iris information from the same user, a request for payment processing for the payment amount is executed.
  • the payment process uses the input card information to check whether the corresponding financial card checks the transaction balance or credit to determine whether the payment processing is possible or not possible, and the payment or credit payment is immediately made for the payment amount.
  • a normal user authorized to the financial card 10 may be regarded as an illegal use by an unauthorized user, rather than attempting a request for payment processing, and notified of the impossibility of trading. can do.
  • the card payment system using the iris information having such a configuration, it is possible to fully verify the user compared to the conventional card user verification method using a handwritten signature.
  • the user does not touch his / her face to a predetermined camera provided in the card terminal, but simply touches the user's mobile device and then touches the mobile device only to the card terminal, so that the signature procedure can be easily replaced. Convenience is improved.
  • the payment server or the card terminal can store the payment iris information transmitted from the portable device, it can identify the user who has subsequently attempted an illegal financial settlement process, so that the payment server or card terminal can be used for the arrest of the user (unfair user). Can be.
  • a user when a user is issued a financial card (or prior to attempting a financial settlement process), the user must register his or her iris information for payment or normal user (s) who will use the financial card to be issued (registration). Iris information). The card issuer stores the registered iris information in the financial card. Financial cards are issued and provided for use only by normal users.
  • the card information and registered iris information embedded in the financial card are transmitted to the card terminal. Also, payment amount information for requesting payment is input to the card terminal.
  • the financial card requesting payment is a financial card storing registered iris information, and that the card requires iris authentication, and guides the user through voice or screen display to input iris information for payment using a mobile device. You may.
  • the user executes the iris use card payment processing application mounted on the portable device, and photographs his iris with the activation of the camera.
  • the application generates payment iris information from the photographed iris image.
  • it activates the NFC function of the mobile device.
  • the application of the mobile device establishes communication with the NFC function of the card terminal, and then uses the iris information for payment. send.
  • the card terminal transmits the input information, that is, card information, payment amount information and registered iris information transmitted from the financial card, and payment iris information transmitted from the portable device to the payment server through the financial transaction communication network.
  • the payment server analyzes the transmitted information to determine whether payment is possible.
  • a procedure for determining whether a user who attempts a payment is a normal user of the financial card is performed. That is, the payment server compares the registered iris information transmitted from the card terminal with the payment iris information generated by the portable terminal. As a result of the comparison, if the degree of agreement between the two is determined to be greater than or equal to the predetermined reference value, the user who attempts the payment can be regarded as a user (normal user) allowed to use the financial card.
  • the payment server uses the card information to evaluate the deposit amount or the payment allowance amount or the credit of the user to determine whether the payment processing is possible, and the requested payment amount Perform payment processing on. Then, the card terminal is notified of the execution result of the payment processing, and the card terminal may output a receipt according to the payment processing result and provide it to the user.
  • the card terminal may request the user to retake and transmit the iris again, and may secretly transmit an illegal payment process to an operator of the card terminal or by a user who is not allowed by the police station. You can also help.
  • the portable device by setting the effective time of use of the iris information for payment of the portable device generated for payment processing or by setting the number of effective use, the portable device It is desirable that the payment iris information of be used only for one payment.
  • the generation time may be included in the iris information for payment, and the card terminal 30 or the payment server 40 may be used. If it is determined that the generated time is out of the current time or the time for requesting payment processing and the predetermined reference time range, the corresponding iris information may be processed to be unavailable.
  • the generated payment iris information is included in the generated payment iris information at least once (ie , If it has been sent to the card terminal), it is desirable to be disposed of so that it cannot be reused.
  • the iris information for payment of the portable device can be immediately used for only one time payment processing after being photographed at the time of requesting the payment processing, and thus an invalidity using the iris information for payment obtained from the pre-recorded image is made. You can block trading attempts.
  • the payment iris information used in the card payment system and method using the iris information according to the present invention should be configured to be managed and processed separately from the iris information used in the security management function.
  • the payment processing is performed using only the iris information currently generated and transmitted by the card payment application 22 using the iris information mounted on the portable device 20. Should be implemented.
  • the card payment application 22 may be provided for user authentication prior to the execution of a predetermined function of the smartphone at the log-on of the smartphone. May use a different algorithm from the method of generating iris information or use a method of adding a separate delimiter to the generated payment iris information. Alternatively, a method of packaging and transmitting payment iris information by a specific algorithm (for example, an encryption algorithm) may be used.
  • a specific algorithm for example, an encryption algorithm
  • the card payment system using iris information stores registered iris information in the payment server 40 as compared to the system of FIG. 1, and the financial card 10 is merely used. It is a configuration that only embeds card information.
  • the financial card 10 stores general card information.
  • the portable device 20 has the same configuration as the portable device described with reference to FIG. 1 and may transmit payment iris information generated by photographing the user's iris to the card terminal 30 through the NFC function.
  • the card terminal 30 reads only the card information from the financial card 10 and transmits the read card information, payment amount information and payment iris information received from the portable device to the payment server 40.
  • the configuration of the card terminal 30 is also the same as the card terminal shown in FIG.
  • the payment server 40 may include a database 42 holding one or a plurality of registered iris information with each financial card 10 (or card information) as an index.
  • the registered iris information which is not stored in the financial card 10 itself but is stored in the financial card 10
  • the read out registered iris information and the portable device 20 are read.
  • the payment iris information transmitted is compared with each other and checked for match.
  • the payment process is completed using the card information and the payment amount information to complete the payment process, and the card terminal 30 receives the result of the payment process (for example, payment is successful). Or payment not possible). If the two iris information does not coincide with each other, the payment processing is stopped and the user verification is retried.
  • the financial institution that issues the financial card 10 acquires the iris information of the user when the financial card 10 issuance request is received from the user, and the iris information of the user is stored when the financial card 10 is issued.
  • Financial card 10 is not issued, and the user's iris information (ie, registered iris information) is stored in the payment server 40 together with the user's card information.
  • the card terminal 30 may be configured to transmit only the iris information for payment input from the portable device 20 to the payment server to be notified of the match.
  • the card terminal 30 transmits the card information read from the financial card 10, the payment amount information, and the payment iris information received from the portable device 20 to the payment server 40 at one time. It described as a structure. However, only the card information and the payment amount information read from the financial card 10 in the card terminal 30 are first transmitted to the payment server 40, and the payment card 40 transmits the corresponding financial card 10 to the iris information.
  • the card terminal 30 After confirming that the card can be authenticated by the user and notifying the card terminal 30 of the card terminal 30, the card terminal 30 guides the user to input the iris information for payment using the portable device 20, and the user performs the portable device ( When the payment iris information is transmitted through 20, the card terminal 30 may transmit the input payment iris information to the payment server 40 to perform the user authentication and proceed with the payment processing.
  • iris information of one or a plurality of users who are permitted to use the financial card is provided to the card issuer, and the provided iris information is registered iris information. It can be stored in the database 42 of.
  • the card information stored in the financial card is transmitted to the card terminal by the user touching or approaching the financial card.
  • the user approaches or contacts the mobile device with the card terminal. This establishes communication by the NFC function between the portable device and the card terminal, and transmits iris information for payment from the portable device to the card terminal.
  • the payment iris information transmitted from the mobile device and the card information read from the financial card are transmitted to the payment server.
  • the payment server identifies the user of the financial card through the received card information and identifies the identified user.
  • the registered iris information is read from the database, and the read registered iris information and the payment iris information transmitted from the card terminal are compared with each other. As a result of the comparison, if both iris information matches each other, it is regarded as a request for payment processing by the normal user, and payment processing is input according to the user's deposit or credit limit.
  • both the iris information is different from each other as a result of the comparison of the iris information, it may be regarded as a payment request by an unfair user and may reject the payment process and perform a subsequent procedure such as re-entering the iris information.

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  • General Health & Medical Sciences (AREA)
  • Human Computer Interaction (AREA)
  • Ophthalmology & Optometry (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système de paiement par carte de crédit utilisant des informations d'iris, ledit système comportant : un terminal de carte pour prendre, en tant qu'entrée, des informations de carte et des informations d'iris enregistrées provenant d'une carte financière, pour recevoir des informations d'iris, pour un paiement, d'un dispositif portable par l'intermédiaire d'une fonction de communication en champ proche (NFC), et pour transmettre un montant de paiement prédéterminé, les informations de carte et les informations d'iris enregistrées, entrées à partir de la carte financière, et les informations d'iris, pour un paiement, fournies par le dispositif portable de façon à effectuer une requête de paiement ; un serveur de traitement de paiement, qui est connecté au terminal de carte, qui compare les informations d'iris enregistrées reçues et les informations d'iris pour un paiement et qui vérifie si les informations d'iris enregistrées et les informations d'iris pour un paiement correspondent les unes aux autres, si le montant de paiement de la carte financière peut ou non être payé à l'aide des informations de carte et qui traite la requête de paiement.
PCT/KR2013/008558 2012-09-25 2013-09-25 Système et procédé de paiement par carte de crédit utilisant des informations d'iris WO2014051316A1 (fr)

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KR1020120106507A KR101455609B1 (ko) 2012-09-25 2012-09-25 홍채 정보를 이용한 카드 결제 시스템 및 카드 결제 방법
KR10-2012-0106507 2012-09-25

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