WO2016006924A1 - Système de point de vente utilisant une entrée d'empreintes digitales séquentielles et procédé pour son pilotage - Google Patents

Système de point de vente utilisant une entrée d'empreintes digitales séquentielles et procédé pour son pilotage Download PDF

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Publication number
WO2016006924A1
WO2016006924A1 PCT/KR2015/007048 KR2015007048W WO2016006924A1 WO 2016006924 A1 WO2016006924 A1 WO 2016006924A1 KR 2015007048 W KR2015007048 W KR 2015007048W WO 2016006924 A1 WO2016006924 A1 WO 2016006924A1
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WIPO (PCT)
Prior art keywords
fingerprint
card
payment
credit card
pos terminal
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PCT/KR2015/007048
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English (en)
Korean (ko)
Inventor
이도훈
천정서
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이도훈
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Publication date
Priority claimed from KR1020140085293A external-priority patent/KR101670543B1/ko
Priority claimed from KR1020140085291A external-priority patent/KR20140098723A/ko
Application filed by 이도훈 filed Critical 이도훈
Publication of WO2016006924A1 publication Critical patent/WO2016006924A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • 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

Definitions

  • 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.
  • biometric information eg fingerprint information, iris information, glottal information, vein information, DNA information.
  • biometric information eg fingerprint information, iris information, glottal information, vein information, DNA information.
  • 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.
  • 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.
  • the POS terminal when a user selects and pays a credit card transaction through a 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.
  • 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.
  • the fingerprint reader 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.
  • a POS terminal 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. .
  • 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
  • POS 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
  • FIG. 11 is an example of configuration of a fingerprint card subscriber DB 400 of the present invention.
  • 13 is a configuration of the payment server 300 of the present invention
  • FIG. 14 is a flowchart of a driving method for a POS system using a sequential fingerprint input of the present invention.
  • the fingerprint reader 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 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.
  • the conventional POS system is configured to perform authentication of a user who additionally receives a password from a user.
  • 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.
  • 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.
  • 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.
  • the fingerprint authentication technology as described above the user still has to hold a credit card for payment.
  • the POS 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.
  • 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.
  • the payment server 300 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.
  • 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.
  • 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.
  • VAN value added network
  • 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.
  • a virtual card number must be generated that is compatible with the data structure of the existing credit card.
  • FIG. 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.
  • ISO International Standard Organization
  • ISO 7810 International Standards ISO 7810
  • ISO 7811 ISO 7813
  • ISO 7813 ISO 7813
  • 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.
  • 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.
  • 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.
  • PAN primary account number
  • CVC printed card validation coce
  • 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.
  • MII major industry identifier
  • 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.
  • 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).
  • 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.
  • the check digit may be checked by the payment server of the card issuer to determine validity again.
  • 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.
  • 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.
  • SS start sentinal
  • FC format code
  • FS field separator
  • ES end sentinal
  • LRC logitudinal redundancy chek character
  • FIG. 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.
  • PAN primary account number
  • 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.
  • 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.
  • the fingerprint reader 100 reads each input fingerprint and inputs each recognition code in the input order of the POS terminal 200.
  • 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.
  • FIG. 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.
  • 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).
  • 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.
  • 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.
  • FIG. 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.
  • 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;
  • 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.
  • 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.
  • 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.
  • 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.
  • 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).
  • 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.
  • 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.
  • 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.
  • FIG. 14 shows a flowchart of a driving method for a POS system using the sequential fingerprint input of the present invention.
  • 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 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). ;
  • the POS 200 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).
  • 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). ;;
  • 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);
  • the POS 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.
  • 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 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.

Abstract

La présente invention concerne un système de point de vente (POS), et un système POS utilisant une entrée d'empreintes digitales séquentielles et un procédé pour son pilotage, un terminal POS recevant au moins deux empreintes digitales séquentielles de la part d'un utilisateur de façon à construire un code de combinaison d'empreintes digitales et envoie à un serveur de paiement, le code de combinaison d'empreintes digitales faisant fonction de numéro de carte virtuel destiné à être reconnu comme une carte de crédit dotée d'un numéro valide dans un serveur VAN, et le serveur de paiement recherche des informations de carte de crédit correspondant au code de combinaison d'empreintes digitales et approuve un paiement lorsque le paiement est effectué par la carte de crédit via le terminal POS, renforçant ainsi la sécurité et permettant un paiement sans carte. La présente invention concerne un système POS utilisant une entrée d'empreintes digitales séquentielles et un procédé pour son pilotage, caractérisés en ce que: lorsque l'utilisateur sélectionne, pour un POS, une transaction de compte qui utilise un carnet de chèques ou une carte de crédit transaction utilisant des empreintes digitales et introduit une pluralité d'empreintes digitales dans un ordre prédéterminé via un dispositif d'identification d'empreintes digitales, le dispositif d'identification d'empreintes digitales lit chaque empreinte digitale qui est introduite et communique des codes d'identification au terminal POS dans l'ordre d'entrée, le terminal POS génère un numéro de carte virtuel destiné à être reconnu comme une carte de crédit dotée d'un numéro valide par le serveur VAN en utilisant les codes d'identification de l'entrée d'empreintes digitales séquentielles communiquées en provenance du dispositif d'identification d'empreintes digitales, et lors de la reconstitution de données de paiement comprenant le numéro de carte virtuel de façon à envoyer les données de paiement au serveur de paiement, le serveur de paiement explore une BD d'empreintes digitales de titulaires de cartes à la recherche du code de combinaison d'empreintes digitales de façon à lire et à extraire un numéro de carte de crédit correspondant, et lit et extrait des informations de carte de crédit à partir d'une BD de titulaires de cartes en utilisant le numéro de carte de crédit lu et extrait de façon à approuver le paiement et à envoyer au terminal POS une indication selon laquelle le paiement est approuvé ou non.
PCT/KR2015/007048 2014-07-08 2015-07-08 Système de point de vente utilisant une entrée d'empreintes digitales séquentielles et procédé pour son pilotage WO2016006924A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR1020140085293A KR101670543B1 (ko) 2014-07-08 2014-07-08 순차 지문 입력을 이용하는 pos 시스템 및 그 구동 방법
KR1020140085291A KR20140098723A (ko) 2014-07-08 2014-07-08 순차 지문 입력을 이용하는 atm 시스템 및 그 구동 방법
KR10-2014-0085293 2014-07-08
KR10-2014-0085291 2014-07-08

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EP3582166A1 (fr) 2018-06-15 2019-12-18 Thales Dis France SA Procédé et système de création d'un enregistrement ou d'un message de confiance et son utilisation pour une activation sécurisée ou une authentification forte d'un client
US10554409B2 (en) 2017-07-11 2020-02-04 Mastercard International Incorporated Systems and methods for use in authenticating users in connection with network transactions
US10963877B2 (en) 2017-07-11 2021-03-30 Mastercard International Incorporated Systems and methods for use in authenticating users in connection with network transactions

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