WO2016006924A1

WO2016006924A1 - Point of sale system using sequencial fingerprint input and driving method therefor

Info

Publication number: WO2016006924A1
Application number: PCT/KR2015/007048
Authority: WO
Inventors: 이도훈; 천정서
Original assignee: 이도훈
Priority date: 2014-07-08
Filing date: 2015-07-08
Publication date: 2016-01-14

Abstract

The present invention relates to a point of sale (POS) system, and to a POS system using a sequential fingerprint input and a driving method therefor, wherein a POS terminal receives two or more sequential fingerprints from a user so as to construct a fingerprint combination code and transmits, to a payment server, the fingerprint combination code as a virtual card number to be recognized as a credit card having a valid number in a VAN server, and the payment server searches credit card information corresponding to the fingerprint combination code and approves a payment when the payment is performed by the credit card through the POS terminal, thereby reinforcing security and enabling cardless payment. The present invention provides a POS system using a sequential fingerprint input and a driving method therefor, wherein: when the user selects, for a POS, an account transaction which uses a bankbook or a credit card transaction using fingerprints and inputs a plurality of fingerprints in a predetermined order through a fingerprint identification device, the fingerprint identification device reads each fingerprint being inputted and provides identification codes to the POS terminal in the input order, the POS terminal generates a virtual card number to be recognized as a credit card having a valid number by the VAN server by using the identification codes of the sequential fingerprint input provided from the fingerprint identification device, and when reconstructing payment data including the virtual card number so as to transmit the payment data to the payment server, the payment server searches a fingerprint card holder DB for the fingerprint combination code so as to read and extract a corresponding credit card number, and reads and extracts credit card information from a card holder DB by using the read and extracted credit card number so as to approve the payment and transmit whether the payment is approved to the POS terminal.

Description

POS system using sequential fingerprint input and its driving method

The present invention relates to a POS system, and when a credit card is paid through a point of sale (POS) terminal, two or more fingerprints are sequentially input from a POS terminal and configured as a fingerprint combination code to form a valid number in a server of the VAN. It transmits to the payment server as a virtual card number recognized as a credit card of the credit card, and the payment server searches for credit card information corresponding to the fingerprint combination code and makes payments, thereby enhancing security and using sequential fingerprint input to enable cardless payment. It relates to a POS system and a driving method thereof.

As a background art of the present invention, there is a technology for providing a financial card payment service using biometric information of Korea Patent Publication No. 10-2006-0097688 shown in FIG. This technology relates to a method of providing a credit card payment service using biometric information (eg fingerprint information, iris information, glottal information, vein information, DNA information). Registering the financial card information that can identify the data in the database, and when the biometric information received from the financial card processing terminal is registered in the database, transmitting the financial card identification information of the customer corresponding to the biometric information to the corresponding financial company server. And receiving, from the financial institution server, corresponding information required by the financial institution for payment approval, corresponding to the credit card identification information, and transmitting the corresponding information required by the financial company for payment approval to the financial card processing terminal. And the step of allowing the financial card processing terminal to perform a normal financial card processing operation. It is characterized.

As another background technology of the present invention, there is a credit payment method and system technology using fingerprint information of Korea Patent Publication No. 10-2005-0023757 shown in FIG. The present invention relates to a method and system for providing a credit payment service using a purchaser's fingerprint in a credit settlement device installed in a merchant that sells a product or service. Generating, transmitting fingerprint information including fingerprint feature data to a fingerprint search server, receiving customer information and credit card information corresponding to the fingerprint information from the fingerprint search server, and using a credit card company computer system. Requesting a credit card payment authorization for the goods or services purchased by the buyer, and receiving a payment approval response signal from the credit card company's computer system, wherein the fingerprint retrieval server includes a series of fingerprint information corresponding to the fingerprint information in the fingerprint database. Extracting numbers, having relational Site features to extract customer information, and credit card information corresponding to the serial number on the base.

According to the present invention, when a user selects and pays a credit card transaction through a POS terminal, the POS terminal sequentially receives two or more fingerprints from the user, generates a fingerprint combination code using identification codes, and is effective in the server of the VAN. Providing a POS system using a sequential fingerprint input that reinforces payment security by enabling reconstruction into payment data including a virtual card number recognized as a credit card of a number and transmitting it to a payment server, and enables a cardless transaction. Let's solve the problem.

In addition, according to the present invention, the number of cases according to the user's fingerprint input order and the number of two or more fingerprint inputs is enormous, thereby enhancing security and preventing damage caused by hacking, and a plurality of fingerprints without precisely reading each fingerprint. It is an object of the present invention to provide a POS system using a sequential fingerprint input capable of cardless transaction and a driving method thereof because a user can distinguish a user by a fingerprint combination code composed of reading results.

According to the present invention, when a user selects an account transaction or credit card transaction using a bank account using a fingerprint for a POS and inputs a plurality of fingerprints in a predetermined order through a fingerprint reader, the fingerprint reader reads each input fingerprint. And providing recognition codes to the POS terminal in order of input, wherein the POS terminal generates a virtual card number recognized as a credit card having a valid number at the server of the VAN by using the identification codes of the sequential fingerprint input provided from the fingerprint reader, After reconstructing the payment data including the virtual card number and transmitting it to the payment server, the payment server retrieves the corresponding credit card number by retrieving the fingerprint combination code from the fingerprint card subscriber DB, and uses the read credit card number to read the card subscriber. Read and extract credit card information from DB to approve payment Parts provides a driving method and a POS system using a fingerprint input sequence, characterized in that arranged to transmit to the POS terminal to the solving means of the problem.

According to a POS system using a sequential fingerprint input and a driving method thereof, when a user selects and pays a credit card transaction through a POS terminal, the POS terminal sequentially receives two or more fingerprints from the user and receives recognition codes. It generates fingerprint combination code, reconfigures virtual card number recognized as credit card of valid number in VAN server, and transmits it to payment server to enhance payment security and provide cardless transaction effect. .

In addition, according to the present invention, the number of cases according to the user's fingerprint input order and the number of two or more fingerprint inputs is enormous, thereby enhancing security and preventing damage caused by hacking, and a plurality of fingerprints without precisely reading each fingerprint. The fingerprint combination code consisting of the reading results can be used to distinguish users, thus providing a technical effect of allowing cardless transactions.

1 is a background art, the configuration of a method for providing a financial card payment service using biometric information

2 is a background of another, the configuration of credit payment method and system technology using the fingerprint information

3 is a configuration and operation relationship of a conventional point of sale (POS) system

Figure 4 is a relationship between the operation of the POS system and its driving method using the sequential fingerprint input of the present invention

5 is a track configuration of an existing credit card magnetic strip

Fig. 6 shows the external record data of the existing credit card

7 is an example of determining a check digit by the Luhn algorithm.

8 is a data array for each magnetic strip track of an existing credit card.

9 is a basic configuration of the virtual card number of the present invention

10 is an example of a fingerprint combination code generation mechanism of the present invention.

11 is an example of configuration of a fingerprint card subscriber DB 400 of the present invention.

12 is a configuration of the POS terminal 200 of the present invention

13 is a configuration of the payment server 300 of the present invention

14 is a flowchart of a driving method for a POS system using a sequential fingerprint input of the present invention.

According to the present invention, when a user selects an account transaction or credit card transaction using a bank account using a fingerprint for a POS and inputs a plurality of fingerprints in a predetermined order through a fingerprint reader, the fingerprint reader reads each input fingerprint. And providing recognition codes to the POS terminal in order of input, wherein the POS terminal generates a virtual card number recognized as a credit card having a valid number at the server of the VAN by using the identification codes of the sequential fingerprint input provided from the fingerprint reader, After reconstructing the payment data including the virtual card number and transmitting it to the payment server, the payment server retrieves the corresponding credit card number by retrieving the fingerprint combination code from the fingerprint card subscriber DB, and uses the read credit card number to read the card subscriber. Read and extract credit card information from DB to approve payment Parts provides a POS system and a driving method using a sequential fingerprint, characterized in that arranged to transmit to the POS terminal with the best mode for the practice of the invention.

The following merely illustrates the principles of the invention. Accordingly, one of ordinary skill in the art, although not explicitly described or illustrated herein, may embody the principles of the present invention and invent various devices that fall within the spirit and scope of the present invention. All conditional terms and embodiments listed in this specification are in principle clearly intended to be understood only for the purpose of understanding the concept of the invention and are not to be limited to the specifically listed embodiments and states. . In addition, it is to be understood that all detailed descriptions, including the principles, aspects, and embodiments of the present invention, as well as listing specific embodiments, are intended to include structural and functional equivalents of these matters.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. In describing the present invention, when it is determined that the detailed description of the related known technology may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

3 shows the construction and working relationship of a conventional point of sale system. The conventional POS system includes a point-of-sale (200) terminal and a POS terminal that have a credit card reader to read user's credit card information and transmit it to a payment server via a value added network (VAN). The payment server 300 receives the payment information and the credit card information from the value added network (VAN) through the value added network (VAN), transmits the payment authorization information and performs the payment, and authenticates the subscriber and performs the payment. It is configured to basically have a card subscriber DB (500) for storing the credit card information of the subscriber. In addition, the conventional POS system is configured to perform authentication of a user who additionally receives a password from a user.

In the conventional POS system as described above, if a credit card is lost or personal information is leaked, there is a restriction that a third party cannot prevent theft. As a countermeasure for this, there is a technology of inputting a fingerprint of a POS user and using it as an authentication means. The fingerprint authentication technique provides a fingerprint image of a user from a POS to a payment server, and the payment server is configured to compare with the stored fingerprint image. However, such fingerprint authentication technology increases the data transmission amount between the POS terminal and the server, and there is a problem in that the load of the system is increased because the server needs to additionally configure a program for fingerprint recognition and contrast determination. In addition, the fingerprint authentication technology becomes useless when the fingerprint information of the user's finger is leaked, and there is a limitation that the user's fingerprint can be used as an auxiliary authentication means because a precise fingerprint reading cannot be performed for quick payment processing. In addition, even if the fingerprint authentication technology as described above, the user still has to hold a credit card for payment.

According to the present invention, when a user selects and pays a credit card transaction through a POS terminal, the POS sequentially receives two or more fingerprints from the user, codes the recognition result to generate a fingerprint combination code, and includes a virtual card number. The present invention provides a POS system using a sequential fingerprint input for reinforcing payment data to be transmitted to a payment server and enabling cardless transaction by reconfiguring the payment data and transmitting the same to a payment server. Therefore, the POS system using the sequential fingerprint input of the present invention increases the number of cases according to the user's fingerprint input order and the number of two or more fingerprint inputs, thereby enhancing security and preventing damage caused by hacking. The user can be distinguished by a fingerprint combination code composed of a plurality of fingerprint reading results without reading the data, thereby allowing cardless transactions.

Figure 4 shows the operational relationship of the POS system and its driving method using the sequential fingerprint input of the present invention.

In the POS system using the sequential fingerprint input of the present invention, a user selects a credit card transaction using a fingerprint for the POS terminal 200 and inputs a plurality of fingerprints in a predetermined order through the fingerprint reader 100. The fingerprint reader 100 reads each input fingerprint and provides the read data to the POS terminal 200 in the input order. The POS terminal 200 generates a fingerprint combination code by using the read data of the sequential fingerprint input provided from the fingerprint reader 100, reconfigures the payment data including the virtual card number, and passes the payment server 300 through the VAN. To transmit. The payment server 300 extracts the fingerprint combination code from the received virtual card number, and retrieves the corresponding credit card number by searching the fingerprint combination code in the fingerprint card subscriber DB 400. Subsequently, the payment server 300 reads and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number, and transmits the payment to the POS terminal 200 via VAN. do.

According to the above POS system, when the user inputs a transaction from the POS 200 using a credit card, the payment server 300 performs payment using the credit card information of the card subscriber DB 500 as in the conventional case. In addition, the transaction using the fingerprint can be performed by linking the card subscriber DB 500 with the information of the fingerprint card subscriber DB 400 as meta data using only the fingerprint combination code, so that the user can use the credit card. It provides the effect that payment can be performed only by fingerprint.

However, in a typical POS system, a server (not shown) of a value added network (VAN) uses a credit card number included in information transmitted from a POS terminal 200 to classify a payment server provided for each card company and relay the transmission. In particular, by determining whether the credit card number is valid, a credit card of an invalid number may block transmission of information for payment. Therefore, when generating a virtual card number by generating a fingerprint combination code from the sequential fingerprint input, the virtual card number must be recognized as a credit card of a valid number in the server of the VAN, and the server of the VAN is a user of the POS terminal 200 The virtual card number for relaying the payment information to the payment server 300 of the selected credit card should be provided in the POS terminal 200. To solve this problem, a virtual card number must be generated that is compatible with the data structure of the existing credit card.

5 shows the track configuration of an existing credit card magnetic strip. The credit card is standardized by ISO (International Standard Organization) International Standards ISO 7810, ISO 7811, ISO 7813, etc. The magnetic strip data recording standard is shown in the three tracks proposed by IATA, ABA, Thrift as shown. I use it. Of these tracks, credit card is used for track 1. Referring to the ISO standard, the number of bits stored in each track is 553 bits for track 1, 200 bits for track 2, and 535 bits for track 3.

6 shows the configuration of external recording data of an existing credit card. The credit card embosses or prints the data for payment separately from the magnetic strip on the outside of the card, which includes the primary account number (PAN), expiration date, subscriber name and card back. A printed card validation coce (CVC) is included and provided to enable payment only by entering the payment data or entering online without using a card reader. The credit card number is assigned a 16 digit number, the first number being the major industry identifier (MII), which is numbered according to the card's applicable industry. Table 1 below is the MII number allocation table.

Table 1

0	ISO / TC 68 and other future industry assignments
One	Airlines
2	Airlines and other future industry assignments
3	Travel and entertainment and banking / financial
4	Banking and financial
5	Banking and financial
6	Merchandising and banking / financial
7	Petroleum and other future industry assignments
8	Healthcare, telecommunications and other future industry assignments
9	National assignment

Of the 16 digits of the credit card number, the second to seventh digits are the bank numbers assigned to the card company, which together with the first applicable industry sector identifier NII are the card issuer's unique numbers. Therefore, the VAN server described in FIGS. 3 and 4 reads the first seventh digit of the card number and recognizes the card number as the unique number of the card issuer, and relays the payment information of the payment request card to the payment server of the card issuer. Since the card issuer's unique number is assigned to each card company as a number distinguished according to the card type, the card issuer is assigned a plurality of unique numbers and has a payment server for each unique number.

Therefore, the card number (account number) that can identify the card in the payment server of the 16-digit number of the credit card number is the 8th-15th number of the 16-digit number of the credit card number. The last digit of the credit card number is a check digit for determining whether the number of the corresponding credit car is a valid number, and the Luhn algorithm (Luhn) using the 1st-15th digits of 16 digits of the credit card number. algorithm).

7 shows an example of determining a check digit by the Luhn algorithm. The Luhn algorithm calculates the product of each number by calculating twice the odd number and one times the even number for the first to fifteen digits of the 16 digits of the credit card number. In this case, as shown in red in the figure, if the product of the number is a two-digit number, the number of each digit is added, and if it is a single digit, the sum is calculated for the total 15 digits, and the sum is a multiple of 10. Get the number you want to use as the check digit of the last 16 digits. Therefore, the VAN server described in FIGS. 3 and 4 reads the first-15th digit of the card number and checks the last 16th digit check digit number by the Luhn algorithm to determine the validity of the card number. In addition, the check digit may be checked by the payment server of the card issuer to determine validity again.

8 shows an arrangement of data for each magnetic strip track of an existing credit card. As described above, the magnetic strip of the credit card uses three tracks proposed by IATA, ABA, and Thrift: track 1, track 2, and track 3, of which credit card payment uses data from track 1. The POS system using the sequential fingerprint input of the present invention and its driving method do not limit the usage track, and hereinafter, the credit card payment using track 1 will be described as an example to clarify the characteristic configuration of the present invention.

The data of the credit card read through the card reader for payment is for track 1; SS (start sentinal) area where the start character '%' of the credit card data is recorded, format code (FC) area, primary account number (PAN) where the card number is recorded, and FS where the field separator character (^) is recorded. (field separator), user name (name), FS where the field separator character '^' is written, additional data field where expiration date or service code is written, card validation code (CVC) Discretionary data field where card issuer data is recorded, ES (end sentinal) where character '?' Separating end of credit card data is recorded, and redundancy check character logitudinal redundancy chek character (LRC) field. It is composed.

In a POS system using a sequential fingerprint input and a driving method thereof, data of a start sentinal (SS), a format code (FC), a field separator (FS), an end sentinal (ES), and a logitudinal redundancy chek character (LRC) are stored. Including; The user name field, additional data field, and discretionary data field are used by the card issuer, so they consist of dummy data and the PAN (primary account number) where the card number is recorded. By assigning data to a virtual card number to make it compatible with the data structure of an existing credit card, the virtual card number is recognized as a credit card having a valid number, so that the server of the VAN can select a credit card selected by the user at the POS terminal 200. A POS system using a sequential fingerprint input for relaying payment information to a payment server 300 and a driving method thereof are provided.

9 shows a basic configuration of a virtual card number for assignment as a primary account number (PAN) in a POS system using a sequential fingerprint input and a method of driving the same. As described in FIG. 6, the second to seventh digits of the 16 digits of the credit card number are the bank numbers assigned to the card company, and are unique to the card issuer together with the first applicable industry sector identifier NII. It becomes a number.

In the present invention, the unique number of the card issuer is stored in advance in the POS terminal 200 for each card. The POS terminal 200 presents payment information to the user and when the user selects a credit card transaction using a fingerprint, displays the payable credit card stored in the POS terminal 200 by type. Accordingly, the user selects a card to be paid, and the POS terminal 200 extracts the unique number of the card issuer previously stored for the credit card selected by the user, and assigns the unique number of the card issuer, which is the first seventh number of the virtual card number. Assign. The card issuer's unique number is preferably assigned by the card issuer only for a credit card using a fingerprint.

Next, when a user inputs a plurality of fingerprints in a predetermined order through the fingerprint reader 100, the fingerprint reader 100 reads each input fingerprint and inputs each recognition code in the input order of the POS terminal 200. To provide. The POS terminal 200 generates a fingerprint combination code by using the read data of the sequential fingerprint input provided from the fingerprint reader 100, and generates a 15-digit virtual card number by combining the unique number of the card issuer and the fingerprint combination code. do. The POS terminal 200 then completes the virtual card number by calculating the 16th check digit using the 15-digit virtual card number and the Luhn algorithm. The POS terminal 200 transmits the completed virtual card number and payment information to the payment server 300 via the VAN. The payment server 300 extracts the fingerprint combination code from the received virtual card number, and retrieves the corresponding credit card number by searching the fingerprint combination code in the fingerprint card subscriber DB 400. Subsequently, the payment server 300 reads and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number, and transmits the payment to the POS terminal 200 via VAN. do.

10 shows an example of a fingerprint combination code generation mechanism in a POS system using a sequential fingerprint input of the present invention and a driving method thereof. The number of fingerprints input in the POS system and the driving method using the sequential fingerprint input of the present invention is limited to two or more, and in the drawings, an example of inputting three fingerprints to clarify the characteristic configuration of the present invention will be described.

As described above, the POS system using the sequential fingerprint input of the present invention, a user selects a credit card transaction using the passbook using the fingerprint with respect to the POS 200, and the plurality (three) sequentially through the fingerprint reader 100 Enter fingerprints in a predetermined order. The fingerprint reader 100 sequentially reads each input fingerprint and provides each of the identification code 1, the identification code 2, and the identification code 3 to the POS terminal 200 as the read data. The POS terminal 200 generates an eight-digit fingerprint combination code by combining a part of codes of the identification code 1, the identification code 2, and the identification code 3 provided from the fingerprint reader 100. The POS terminal 200 reads out the unique number of the credit card issuer selected by the user to be the unique number of the card issuer, which is the first seventh digit of the virtual card number, and combines the 8-digit fingerprint combination code to form a 15-digit virtual number. A card number is generated and a virtual card number is completed by calculating the 16th check digit using the Luhn algorithm, and transmitted to the payment server 300 together with the payment information as data of a PAN (primary account number).

In the drawing, a fingerprint combination code is generated by combining the codes of the identification code 1, the identification code 2, and the identification code 3, but if necessary, the identification codes may be combined by setting arbitrary rules. It is also possible to generate a fingerprint combination code through the process.

Figure 11 shows an example of the configuration of the fingerprint card subscriber DB 400 in a POS system using sequential fingerprint input of the present invention.

As described above, the payment server 300 of the present invention includes a card subscriber DB 500 for storing account information and credit card information for performing a transaction through the POS terminal 200 as a general credit card, and a user selected. A fingerprint card subscriber DB 400 is provided which stores metadata so that payment can be performed by linking the card subscriber DB 500 by a virtual card number composed of a card type and a fingerprint combination code. The fingerprint card subscriber DB 400 is provided with meta data that includes a fingerprint combination code for each subscriber and card numbers of subscribers corresponding to the fingerprint combination code as one group. The payment server 300 may read the credit card number from the metadata corresponding to the fingerprint combination code transmitted from the POS terminal 200, and the metadata may further include a password corresponding to the subscriber's credit card number. Additional security can be achieved by configuring and prompting the user for a password. The configuration of the fingerprint card subscriber DB 400 provides an advantage that the user can perform a transaction of the credit card only by sequential fingerprint input without a card.

12 shows the configuration of the POS terminal 200 of the present invention. POS terminal 200 of the present invention, the controller 210 to perform the control of the POS terminal 200; and an input and output unit 220 including a credit card reader, a touch screen, a display; And an input / output device interface 230 for driving the input / output unit 220 and performing data input / output under the control of the controller 210; and the payment server communication unit 240 performing communication between the controller 210 and the payment server. It includes; In addition, the POS terminal 200 of the present invention, a fingerprint recognizer 100 for recognizing a plurality of fingerprints input from the user and provided to the POS terminal 200 as an identification code, respectively; and provided from the fingerprint reader 100 A fingerprint combination code generation unit 260 generating a fingerprint combination code from the identification codes and providing the fingerprint combination code to the controller 210; And a payment information buffer 250 that stores information including a unique number of the credit card issuer, a payment amount, and the like, selected by the user, by the control of the controller 210, and stores the unique number of the credit card issuers. And a card company information storage unit 270 for providing the controller 210 with a unique number of the credit card issuer corresponding to the card.

Therefore, the POS terminal 200 of the present invention, when the user selects a transaction and a credit card by the fingerprint, and then the user inputs a plurality of fingerprints in a predetermined order through the fingerprint reader 100, the fingerprint reader 100 Reads each fingerprint inputted and provides the recognition code to the fingerprint combination code generation unit 260 in the order of input. The fingerprint combination code generator 260 generates a fingerprint combination code from the recognition codes provided from the fingerprint reader 100 and provides the fingerprint combination code to the controller 210, and the controller 210 selects the fingerprint combination code and a user's selection. The virtual card number including the unique number of the credit card issuer corresponding to the card and the information including the payment amount stored in the payment information buffer 250 are transmitted to the payment server 300 through the payment server communication unit 240. As the virtual card number is provided, the payment server 300 retrieves the corresponding credit card number by searching for the fingerprint combination code in the fingerprint card subscriber DB 400. Subsequently, the payment server 300 reads and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number, performs a payment, and transmits the approval or not to the POS terminal 200. Operation of a POS system using sequential fingerprint input is achieved.

13 shows the configuration of the payment server 300 of the present invention. The payment server 300 of the present invention includes a control unit 310 for controlling the payment server 300 and a POS terminal communication unit 330 for performing data communication between the control unit 310 and the POS terminal 200. ; And a POS terminal information buffer 340 for receiving and storing information including a virtual card number including a fingerprint combination code provided from the POS terminal 200 and a payment amount. The control unit 310 includes a card subscriber DB 500 that stores credit card information for performing a transaction through the POS terminal 200 as a credit card; and a unique number of a credit card issuer for a transaction by a fingerprint. Fingerprint card subscriber DB (400) for storing metadata (Meta data) so that payment can be performed in connection with the card subscriber DB (500) according to the fingerprint combination code of the virtual card number; is provided, the control unit 310 ) Is provided with a payment module 320 for performing a payment through the POS (200) as the credit card information provided from the card subscriber DB (500).

Therefore, the payment server 300 of the present invention includes a virtual fingerprint including a fingerprint combination code generated from a plurality of sequential recognition codes input from the fingerprint reader 100 and a unique number of the credit card issuer corresponding to the card selected by the user. When the information including the card number and the payment amount is received from the POS terminal 200 to the POS terminal communication unit 330, the controller 310 stores the received information in the POS terminal information buffer 340, and the payment server ( The controller 310 of the 300 reads the corresponding credit card number by searching the fingerprint combination code in the fingerprint card subscriber DB 400. Subsequently, the control unit 310 of the payment server 300 reads and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number to perform payment through the payment module 320 and approve whether the payment is performed. Payment is completed by transmitting to the POS terminal 200.

14 shows a flowchart of a driving method for a POS system using the sequential fingerprint input of the present invention. In the above detailed description, the configurations of the fingerprint reader 100 and the POS terminal 200 of the present invention have been described separately, but in the following description, the fingerprint reader 100 is used to clarify the characteristic configuration of the driving method of the present invention. It will be described as a configuration included connected to the POS terminal 200. Therefore, it should be understood that the POS terminal 200 in the following description includes the fingerprint reader 100.

A driving method for a POS system using the sequential fingerprint input of the present invention;

Providing a menu for selecting a payment amount and a card for fingerprint payment from the POS terminal 200 for the user (S100);

Then, a credit card transaction using a fingerprint and a card for fingerprint payment are selected by the user, and the user inputs a plurality of fingerprints to the POS terminal 200 in a predetermined order through the fingerprint reader 100 (S110). ;

Next, when the fingerprint reader 100 reads each input fingerprint and provides an identification code, the POS 200 generates a fingerprint combination code from the identification codes and corresponds to a credit card selected by the user. Generating a virtual card number including the issuer's unique number and check digit (S120);

The POS 200 then transmits the virtual card number and the payment information to the payment server 300 as the payment information (S130).

After the step S130, the payment server 300 extracts a fingerprint combination code from the received payment information to read a corresponding credit card number from the fingerprint card subscriber DB 400 (S140) (S150). ;;

Next, the payment server 300 reads and extracts the user's credit card information for performing the payment from the card subscriber DB 500 using the credit card number read from the fingerprint card subscriber DB 400 (S160). After (S170);

Performing payment using the credit card information of the user read and extracted from the card subscriber DB 500 (S180);

The step of transmitting the approval whether or not to the POS terminal 200 (S190); the driving method for the POS system using the sequential fingerprint input of the present invention is completed.

When the user selects a credit card transaction through the POS terminal and makes a payment, the POS receives two or more fingerprints sequentially from the user and constructs a fingerprint combination code using the identification codes, thereby validating a valid number on the server of the VAN. The present invention provides a POS system using a sequential fingerprint input that generates a virtual card number recognized as a credit card and transmits it to a payment server as payment information, and enables a bankbook-free card transaction, and a driving method thereof.

In addition, the POS system using the sequential fingerprint input of the present invention increases the number of cases according to the user's fingerprint input order and the number of two or more fingerprint inputs, thereby enhancing security and preventing damage caused by hacking, and precisely detecting each fingerprint. Users can be distinguished by a fingerprint combination code consisting of a plurality of fingerprint reading results without reading easily, and thus a bankbook-free card transaction is possible.

POS system using the sequential fingerprint input of the present invention and its driving method, although described by the limited embodiment and the drawings, the present invention is not limited by this and those skilled in the art to which the present invention belongs Various modifications and variations are possible, without departing from the spirit and scope of the claims to be described below.

POS system using the sequential fingerprint input of the present invention and a method of driving the financial technology that performs credit card transactions through the POS terminal and payment by VAN server and payment server by strengthening payment security and enabling cardless transactions. Can be used in the field.

Claims

In the POS system using a sequential fingerprint input to receive two or more fingerprints sequentially from the user to enable cardless transactions,

A POS terminal 200 for selecting a credit card transaction using a fingerprint; and

And a fingerprint reader 100 that receives a plurality of fingerprints of a user in a predetermined order, reads each input fingerprint and provides the read data to the POS terminal 200 in the input order.

The POS terminal 200 generates a fingerprint combination code by using the read data of the sequential fingerprint input provided from the fingerprint reader 100, reconfigures the payment data including the virtual card number, and passes the payment server 300 through the VAN. To and

The payment server 300 extracts the fingerprint combination code from the received virtual card number, retrieves the corresponding credit card number by searching the fingerprint combination code in the fingerprint card subscriber DB 400,

The payment server 300 reads and extracts the user's credit card information from the card subscriber DB 500 using the read credit card number to perform payment and transmits the approval to the POS terminal 200 via the VAN. POS system using sequential fingerprint input, characterized in that configured
The method of claim 1, wherein the POS terminal 200,

Pre-store card-specific numbers for card issuers,

When the POS terminal 200 presents payment information to the user and the user selects a credit card transaction using a fingerprint, the POS terminal 200 displays the payable credit card stored in the POS terminal 200 by type,

When the user selects a card to be paid, the POS terminal 200 extracts the pre-stored unique number of the card issuer for the credit card selected by the user to the unique number of the card issuer, which is the first seventh digit of the virtual card number. Assign them,

When a user inputs a plurality of fingerprints in a predetermined order through the fingerprint reader 100, the fingerprint reader 100 reads each input fingerprint and provides each identification code to the POS terminal 200 in the input order. ,

The POS terminal 200 generates an 8-digit fingerprint combination code by using the read data of the sequential fingerprint input provided from the fingerprint reader 100, and combines the unique number of the card issuer and the fingerprint combination code to generate a 15-digit virtual card. POS system using sequential fingerprint input, characterized in that it is configured to generate a number
The method of claim 2, wherein the POS terminal 200,

Create a 15-digit virtual card number by combining the card issuer's unique number and fingerprint combination code,

A POS system using a sequential fingerprint input, characterized by generating a 16-digit virtual card number as a primary account number (PAN) by calculating a 16th check digit using a Luhn algorithm for the 15-digit virtual card number.
The fingerprint combination code of claim 1, wherein

A combination of a part of codes of each of the plurality of recognition codes provided from the fingerprint reader 100 to the POS terminal 200 is generated as an eight-digit fingerprint combination code,

Or generate a fingerprint combination code through an encryption process using the identification codes.
The method of claim 1, wherein the payment server 300,

A card subscriber DB 500 for storing account information and credit card information for performing a transaction through the POS terminal 200 as a general credit card;

Fingerprint card subscriber DB (400) for storing the meta data (meta data) to perform the payment by linking the card subscriber DB (500) by the virtual card number consisting of the card type and the fingerprint combination code selected by the user; Equipped,

The fingerprint card subscriber DB 400 is a POS using a sequential fingerprint input, characterized in that the fingerprint combination code for each subscriber and the card number of the subscriber corresponding to the fingerprint combination code as a group is provided as a group system
The method of claim 5, wherein the metadata is

A POS system using sequential fingerprint input, characterized in that it further comprises a password corresponding to the subscriber's credit card number and is provided to input a password from the user.
The method of claim 1, wherein the POS terminal 200,

Controller 210 for controlling the POS terminal 200; And,

An input / output unit 220 including a credit card reader, a touch screen, and a display;

An input / output device interface 230 for driving the input / output unit 220 and performing data input / output under the control of the controller 210; and

A payment server communication unit 240 for performing communication between the controller 210 and the payment server;

A fingerprint recognizer 100 for recognizing a plurality of fingerprints input from a user and providing the fingerprints to the POS terminal 200 as recognition codes;

A fingerprint combination code generation unit 260 for generating a fingerprint combination code from the identification codes provided from the fingerprint reader 100 and providing the fingerprint combination code to the controller 210; And

A payment information buffer 250 for storing information, including a unique number of a credit card issuer, a payment amount, and the like, selected by a user, under the control of the controller 210; and

The card company information storage unit 270 for storing the unique number of the credit card issuers and providing the controller 210 with the unique number of the credit card issuer corresponding to the card selected by the user. POS system using
The method of claim 1, wherein the payment server 300,

A control unit 310 for controlling the payment server 300; and,

A POS terminal communication unit 330 for performing data communication between the control unit 310 and the POS terminal 200; And

And a POS terminal information buffer 340 for receiving and storing information including a virtual card number including a fingerprint combination code provided from the POS terminal 200 and a payment amount.

The control unit 310 includes a card subscriber DB 500 for storing credit card information for performing a transaction through the POS terminal 200 as a credit card; and

Fingerprint card that stores metadata so that payment can be performed in association with the card subscriber DB 500 according to the fingerprint combination code of the virtual card number including the unique number of the credit card issuer for the transaction by fingerprint. Subscriber DB (400) is provided, connected,

POS using the sequential fingerprint input, characterized in that the control unit 310 is provided with a; payment module 320 for performing a payment through the POS (200) with credit card information provided from the card subscriber DB (500) system
The method of claim 1, wherein the payment data including the virtual card number,

SS (start sentinal) area where the start character '%' of the credit card data is recorded, format code (FC) area, primary account number (PAN) where the card number is recorded, and FS where the field separator character (^) is recorded. (field separator), user name (name), FS where the field separator character '^' is written, additional data field where expiration date or service code is written, card validation code (CVC) Discretionary data field where card issuer data is recorded, ES (end sentinal) where character '?' Separating end of credit card data is recorded, and redundancy check character logitudinal redundancy chek character (LRC) field. About data of credit card comprised,

Data of start sentinal (SS), format code (FC), field separator (FS), end sentinal (ES), and logistic redundancy chek character (LRC);

User name field, additional data field, and discretionary data field are used by the card issuer, so they consist of dummy data.

POS system using sequential fingerprint input, characterized in that the data of the PAN (primary account number) in which the card number is recorded to give the virtual card number
In the method of driving a POS system using a sequential fingerprint input to sequentially receive two or more fingerprints from a user to enable cardless transactions,

Providing a menu for selecting a payment amount and a card for fingerprint payment from the POS terminal 200 for the user (S100);

Then, a credit card transaction using a fingerprint and a card for fingerprint payment are selected by the user, and the user inputs a plurality of fingerprints to the POS terminal 200 in a predetermined order through the fingerprint reader 100 (S110). ;

Next, when the fingerprint reader 100 reads each input fingerprint and provides an identification code, the POS 200 generates a fingerprint combination code from the identification codes and corresponds to a credit card selected by the user. Generating a virtual card number including the issuer's unique number and check digit (S120);

The POS 200 then transmits the virtual card number and the payment information to the payment server 300 as the payment information (S130).

After the step S130, the payment server 300 extracts a fingerprint combination code from the received payment information to read a corresponding credit card number from the fingerprint card subscriber DB 400 (S140) (S150). ;;

Next, the payment server 300 reads and extracts the user's credit card information for performing the payment from the card subscriber DB 500 using the credit card number read from the fingerprint card subscriber DB 400 (S160). After (S170);

Performing payment using the credit card information of the user read and extracted from the card subscriber DB 500 (S180);

POS by using the sequential fingerprint input, characterized in that the step of transmitting the approval whether to the POS terminal 200 (S190); the driving method for the POS system using the sequential fingerprint input is completed by performing the step (S190). How the system works