WO2017074146A2 - Système de paiement sécurisé utilisant un nombre aléatoire et des informations d'empreintes digitales, et son procédé de commande - Google Patents

Système de paiement sécurisé utilisant un nombre aléatoire et des informations d'empreintes digitales, et son procédé de commande Download PDF

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Publication number
WO2017074146A2
WO2017074146A2 PCT/KR2016/012332 KR2016012332W WO2017074146A2 WO 2017074146 A2 WO2017074146 A2 WO 2017074146A2 KR 2016012332 W KR2016012332 W KR 2016012332W WO 2017074146 A2 WO2017074146 A2 WO 2017074146A2
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WO
WIPO (PCT)
Prior art keywords
information
payment
buyer
terminal
random number
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PCT/KR2016/012332
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English (en)
Korean (ko)
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WO2017074146A3 (fr
Inventor
천정서
이주상
이지민
이도훈
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천정서
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Publication of WO2017074146A2 publication Critical patent/WO2017074146A2/fr
Publication of WO2017074146A3 publication Critical patent/WO2017074146A3/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
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism

Definitions

  • the present invention relates to a mobile payment technology, and performs payment between the buyer terminal and the seller terminal without using the buyer's credit card information and account information, the buyer's mobile number, social network service (SNS) ID, ESN (electronic serial) Secure payment that provides secured payment by using the random number generated in the buyer's terminal for each payment and providing the user authentication using the buyer's fingerprint as the additional information using the number).
  • SNS social network service
  • ESN electronic serial
  • the code issuing method, user terminal and payment relay server technology of the Republic of Korea Patent Publication No. 10-2015-0097287 shown in FIG. There is this.
  • the technique includes displaying a fingerprint input request for user verification, recognizing a fingerprint input from a user, and performing fingerprint authentication; When the fingerprint authentication is completed, transmitting a request for issuing a payment means replacement code to a payment relay server; And receiving a code issued by the payment relay server from the payment relay server based on the issuance request.
  • a method for performing a payment through fingerprint authentication comprising: (a) receiving a fingerprint authentication request message from the payment relay server that receives a payment request including identification information of the user terminal; (b) executing a fingerprint authentication application using the fingerprint authentication request message to display a fingerprint input request screen, and performing recognition and authentication on a fingerprint input according to the fingerprint input request; (c) when the authentication of the fingerprint is completed, generating a fingerprint authentication result and transmitting the fingerprint authentication result to a fingerprint authentication integrity verification server to verify the fingerprint authentication result; And (d) receiving a payment result generated from a payment relay server or a payment server in response to verification identification information generated by the fingerprint authentication integrity verification server. do.
  • the technique relates to a coding and recognition system of fingerprint information for encoding a corresponding fingerprint information using a feature point extracted from a fingerprint image, and recognizing the corresponding fingerprint using the coded data, and a driving method thereof.
  • the feature points are extracted from the fingerprint image input from the fingerprint reader including the device, the feature points are shown again on the scaled screen, the reference line of coding is set, the code of the corresponding fingerprint is generated, and the fingerprint inquiry server generates the fingerprint.
  • the fingerprint code DB is searched with the fingerprint code provided from the inquiry terminal to provide an inquiry result to the fingerprint inquiry terminal, so that each feature point is newly entered or is not inputted even if it is not entered. Contrast with feature points.
  • a system for coding and recognizing fingerprint information that provides a comparative reference point without extracting a fingerprint core, extracts feature points from an input unit of a fingerprint image, transmits the data to a fingerprint inquiry server with minimal data, and authenticates the fingerprint using the same. And its driving method.
  • An object of the present invention is to provide a secure payment system using a random number and fingerprint information for performing a payment between a purchaser terminal and a seller terminal without using the purchaser's credit card information and account information, and a driving method thereof.
  • the present invention provides a personal authentication using the buyer's fingerprint along with the authentication of the buyer terminal as additional information using the buyer's mobile number, social network service (SNS) ID, electronic serial number (ESN), every purchaser
  • SNS social network service
  • ESN electronic serial number
  • the present invention provides a buyer terminal having a random number generating means, a means for recognizing an input fingerprint and converting the code into a code, and additional information providing means, and receiving a random number, fingerprint information, and additional information from the buyer terminal, and a relay server together with payment information.
  • a payment server that reads information or account information and provides the payment information and the payment server to the payment server, and a payment server that performs payment by referring to the subscriber DB using the buyer's credit card information or account information and payment information provided from the relay server.
  • Secure payment system using random number and fingerprint information Provides a driving method in the technical solution.
  • the payment is performed between the buyer terminal and the seller terminal without using the buyer's credit card information and account information, and the buyer's mobile number and SNS (social network).
  • service provides additional information using ID and electronic serial number (ESN), along with authentication of the buyer's terminal and identity authentication using the buyer's fingerprint, and uses a random number generated by the buyer's terminal for every payment. It provides the technical effect of making a guaranteed payment.
  • 1 is a background technology of the present invention, the code issuing method, the user terminal and the configuration of the payment relay server technology
  • Figure 2 is another background of the present invention, the configuration of the payment method, user terminal and payment relay server technology through fingerprint authentication
  • 3 is another background technology of the present invention, which is a configuration of a coding and recognition system of fingerprint information and a driving method thereof.
  • FIG. 5 is a block diagram of a secure payment system using random numbers and fingerprint information as a first embodiment of the present invention.
  • FIG. 8 is a driving method of a secure payment system using random numbers and fingerprint information as a first embodiment of the present invention.
  • FIG. 9 is a block diagram of a secure payment system providing only a random number and additional information to a seller terminal as a second embodiment of the present invention.
  • 10 is a driving method of a secure payment system using random numbers and fingerprint information as a second embodiment of the present invention.
  • the present invention provides a purchaser terminal having a random number generating means, a means for recognizing an input fingerprint, converting the code into a code, and providing additional information, and receiving random number, fingerprint information, and additional information from the buyer terminal, and relaying the payment information together with payment information.
  • Receives the seller terminal transmitting to the server, the random number and fingerprint information, additional information and payment information of the buyer terminal transmitted from the seller terminal, and authenticates the buyer and the buyer terminal with reference to the buyer DB from the buyer DB from the buyer DB from the buyer DB
  • a relay server that reads card information or account information and provides it to the payment information and payment server 500, and a payment server that performs payment by referring to the subscriber DB using the buyer's credit card information or account information and payment information provided from the relay server. Secure payment using random number and fingerprint information, characterized in that consisting of It provides the system with the best mode for the practice of the invention.
  • FIG. 4 shows an example of an existing mobile payment structure.
  • 1 when presenting the data including the payment price directly from the seller terminal 200 to the buyer or provided to the buyer terminal 100 as payment information
  • 2 the buyer uses a credit card directly or the buyer terminal ( The credit card information stored in 100 is provided to the seller terminal 200.
  • 3 The seller terminal 200 transmits the card data and payment data of the buyer to the payment server 500 through the VAN 4
  • the payment server proceeds with the payment process with reference to the subscriber DB (600), 5 6
  • the payment is completed by transmitting the approval status to the seller terminal 200 or the purchaser terminal 100.
  • the present invention without using the buyer's credit card information and account information to perform the payment between the buyer terminal 100 and the seller terminal 200, the buyer's mobile number, social network service (SNS) ID, ESN (electronic serial) By providing the user authentication using the fingerprint of the buyer along with the authentication of the buyer terminal 100 as additional information using the number), the security is guaranteed by using a random number generated in the buyer terminal 100 for each payment
  • a secure payment system using a random number for performing a payment and fingerprint information and a driving method thereof are provided as the first and second embodiments.
  • FIG. 5 is a block diagram of a secure payment system using random numbers and fingerprint information as a first embodiment of the present invention.
  • the secure payment system using the random number and fingerprint information of the present invention is a block diagram of a secure payment system using random numbers and fingerprint information as a first embodiment of the present invention.
  • a purchaser terminal 100 having a random number generating means, a means for recognizing an input fingerprint, converting the code into a code, and providing additional information; and receiving random number, fingerprint information, and additional information from the purchaser terminal 100, and receiving payment information.
  • Seller terminal 200 for transmitting to the relay server 300; Receives the random number and fingerprint information, additional information and payment information of the buyer terminal 100 transmitted from the seller terminal 200 and from this to the buyer DB 400 to authenticate the buyer and buyer terminal 100 and the buyer
  • a relay server 300 that reads out the credit card information or the account information of the buyer from the DB 400 and provides the payment information and the payment server 500; It consists of a payment server 500 for performing a payment with reference to the subscriber DB (600) as the credit card information or account information and payment information of the buyer provided from the relay server 300.
  • the additional information provided from the buyer terminal 100 to the seller terminal 200 may optionally use a mobile number of the buyer, an electronic serial number (ESN) of the buyer terminal 100, and a social network service (SNS) ID.
  • ESN electronic serial number
  • SNS social network service
  • the buyer DB 400 referred to by the relay server 300 stores the buyer's information including additional information of the buyer, credit card information or account information, and fingerprint information converted into a code by recognizing the fingerprint of the buyer. .
  • the secure payment system using the random number and fingerprint information of the present invention is required to make a payment according to the goods or service transaction between the seller and the buyer,
  • the purchaser terminal 100 generates a random number, receives the purchaser's fingerprint, recognizes and converts the fingerprint information and additional information into a code, and transmits it to the seller terminal 200.
  • the seller terminal 200 receives the random number and fingerprint information and additional information provided from the purchaser terminal 100, relay server 300 with the payment information including the account information of the seller, the number and payment amount of the seller terminal To,
  • the relay server 300 is connected to the purchaser terminal 100 by using the received additional information to request a random number transmitted to the seller terminal 200 and received,
  • the relay server 300 is a case where the random number provided from the seller terminal 200 and the random number received from the buyer terminal 100 match. Read the corresponding credit card information or account information of the buyer from the buyer DB 400 using the fingerprint information and additional information provided from the seller terminal 200,
  • the relay server 300 transmits to the payment server 500 together with payment information including the credit card information or account information of the buyer read from the buyer DB 400 and the account information and the payment amount of the seller,
  • the payment server 500 performs a payment with reference to the subscriber DB 600 by using the information provided from the relay server 300,
  • the payment server 500 then completes the payment by transmitting the payment result to the purchaser terminal 100 to the seller terminal 200.
  • FIG. 6 is a block diagram of a purchaser terminal 100 of a secure payment system using the random number and fingerprint information of the present invention.
  • Buyer terminal 100 of the present invention
  • a buyer terminal controller 110 for controlling the purchaser terminal 100 in general; and a seller terminal communication unit 130 for accessing the seller terminal 200 through a short range communication channel under the control of the buyer terminal controller 110; And a mobile communication unit 120 for connecting to the relay server 300.
  • the buyer terminal controller 110 includes an ESN extraction unit 140 for reading an electronic serial number (ESN) of the purchaser terminal 100, and the purchaser terminal 100 read as the ESN extraction unit 140.
  • An additional information storage unit 160 for storing the ESN, the mobile number of the purchaser terminal 100, and the social network service (SNS) ID as additional information of the purchaser terminal 100; and recognizing the fingerprint of the purchaser and converting the code into a code.
  • a fingerprint reader and recognition unit 150 Random number generator 170 for generating a new random number for each payment; And a random number buffer 180 for storing random numbers generated from the random number generator 170 in a transaction order.
  • the ESN of the buyer terminal 100, the mobile number of the buyer terminal 100, and a social network service (SNS) ID are alternatively stored or two or more are stored to store multiple additional information.
  • the fingerprint reader and recognition unit 150 extracts a feature point from a fingerprint image received from a purchaser and coordinates the number of feature points or a coordinate of the feature point of a specific region (for example, a partial region based on the center point). It is also possible to use a device that converts the purchaser fingerprint into a code using.
  • FIG 7 shows the configuration of the relay server 300 of the secure payment system using the random number and fingerprint information of the present invention.
  • the relay server 300 of the present invention is the relay server 300 of the present invention.
  • a relay server controller 310 for performing overall control of the relay server 300; and a seller terminal transceiver 320 connected to the relay server controller 310 to communicate with the seller terminal 200 to perform communication;
  • a seller terminal data buffer 330 for storing data transmitted and received with the seller terminal 200 to the seller terminal transceiver 320;
  • a payment server transceiver 340 connected to the payment server 500 to perform communication;
  • a payment server data buffer 350 for storing data transmitted and received with the payment server 500 through the payment server transceiver 340.
  • the relay server control unit 310 is provided with a buyer DB 400; the buyer DB 400 is connected to the ESN of the buyer terminal 100, the mobile number of the buyer terminal 100, social network service (SNS) ID An additional information field for storing a; A fingerprint information field for recognizing a fingerprint for payment of a buyer and converting the fingerprint into a code and storing the fingerprint; Credit card information or account information fields for payment of the buyer are allocated and corresponding information is stored.
  • SNS social network service
  • FIG. 8 illustrates a method of driving a secure payment system using random numbers and fingerprint information as a first embodiment of the present invention.
  • Method of driving a secure payment system using the random number and fingerprint information of the present invention
  • the purchaser terminal 100 generates a random number, receives the purchaser's fingerprint, and transmits the fingerprint information and the additional information converted into the code to the seller terminal 200;
  • the seller terminal 200 receives the random number, fingerprint information, and additional information provided from the purchaser terminal 100, and relays the server together with payment information including the account information of the seller, the number and the payment amount of the seller terminal ( 300);
  • the relay server 300 connects to the purchaser terminal 100 by using the received additional information and requests and receives a random number transmitted to the seller terminal 200 after notification of purchase;
  • the relay server 300 is a case where the random number provided from the seller terminal 200 and the random number received from the buyer terminal 100 match. Reading corresponding credit card information or account information of the corresponding buyer from the buyer DB 400 using fingerprint information and additional information provided from the seller terminal 200;
  • the relay server 300 is then sent to the payment server 500 with the payment information including the buyer's credit card information or account information read from the buyer DB 400 and the seller's account information and payment amount Making a payment request;
  • FIG. 9 illustrates a configuration of a secure payment system providing only a random number and additional information to a seller terminal 200 as a second embodiment of the present invention.
  • the secure payment system using the random number and fingerprint information of the present invention
  • a purchaser terminal 100 having a random number generating means, a means for recognizing an input fingerprint and converting the code into a code, and additional information providing means; and receiving random numbers and additional information from the purchaser terminal 100 and relaying them together with payment information.
  • Seller terminal 200 for transmitting to the server 300; Receives the random number and additional information and payment information of the buyer terminal 100 transmitted from the seller terminal 200 and from this to the buyer DB 400 to authenticate the buyer and buyer terminal 100 and the buyer DB 400
  • a relay server 300 that reads the credit card information or the account information of the buyer and provides it to the payment information and the payment server 500; It consists of a payment server 500 for performing a payment with reference to the subscriber DB (600) as the credit card information or account information and payment information of the buyer provided from the relay server 300.
  • the additional information provided from the buyer terminal 100 to the seller terminal 200 may optionally use a mobile number of the buyer, an electronic serial number (ESN) of the buyer terminal 100, and a social network service (SNS) ID.
  • ESN electronic serial number
  • SNS social network service
  • the buyer DB 400 referred to by the relay server 300 stores the buyer's information including additional information of the buyer, credit card information or account information, and fingerprint information converted into a code by recognizing the fingerprint of the buyer. .
  • the secure payment system using the random number and fingerprint information of the present invention is required to make a payment according to the goods or service transaction between the seller and the buyer,
  • Buyer terminal 100 generates a random number, and transmits to the seller terminal 200 with additional information,
  • the seller terminal 200 receives the random number and additional information provided from the buyer terminal 100, and transmits to the relay server 300 along with payment information including the account information of the seller, the number and the payment amount of the seller terminal. ,
  • the relay server 300 is connected to the purchaser terminal 100 by using the received additional information to request the random number and fingerprint information of the buyer transmitted to the seller terminal 200 is received,
  • the relay server 300 uses the additional information provided from the seller terminal 200 and the purchaser's fingerprint information. Read your credit card or account information,
  • the relay server 300 transmits to the payment server 500 together with payment information including the credit card information or account information of the buyer read from the buyer DB 400 and the account information and the payment amount of the seller,
  • the payment server 500 performs a payment with reference to the subscriber DB 600 by using the information provided from the relay server 300,
  • the payment server 500 then completes the payment by transmitting the payment result to the purchaser terminal 100 to the seller terminal 200.
  • the payment result transmitted from the payment server 500 is provided only to the relay server 300, and the relay server 300 may be configured to transmit the payment result to the purchaser terminal 100 to the seller terminal 200. have.
  • FIG. 10 illustrates a method of driving a secure payment system using random numbers and fingerprint information as a second embodiment of the present invention.
  • Method of driving a secure payment system using the random number and fingerprint information of the present invention
  • S200 the purchaser terminal 100 generates a random number and transmits the additional information to the seller terminal 200;
  • the seller terminal 200 receives the random number and additional information provided from the buyer terminal 100, to the relay server 300 with the payment information including the account information of the seller, the number and payment amount of the seller terminal Transmitting;
  • the relay server 300 accesses the purchaser terminal 100 by using the received additional information and requests and receives a random number transmitted to the seller terminal 200 and fingerprint information of the purchaser after notification of purchase;
  • the relay server 300 uses the purchaser DB using the fingerprint information and additional information provided from the seller terminal 200. Reading credit card information or account information of the corresponding buyer from 400;
  • the relay server 300 transmits the payment server 500 together with the payment information including the buyer's credit card information or account information read from the buyer DB 400 and the account information and the payment amount of the seller. Making a payment request;
  • S250 performing payment at the payment server 500 by referring to the subscriber DB 600 using the information provided from the relay server 300;
  • payment between the purchaser terminal 100 and the seller terminal 200 is performed without using the purchaser's credit card information and account information. It provides the user authentication using the purchaser's fingerprint together with the authentication of the purchaser terminal 100 as additional information using the purchaser's mobile number, social network service (SNS) ID, and electronic serial number (ESN).
  • SNS social network service
  • ESN electronic serial number
  • the present invention relates to a mobile payment technology, and can be used in the financial payment industry, which provides the user authentication in the payment between the buyer terminal and the seller terminal and requires secured payment.

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Abstract

La présente invention concerne une technologie de paiement mobile et concerne un système de paiement sécurisé et un procédé de commande de celui-ci, le système : effectuant un paiement entre un terminal acheteur et un terminal vendeur sans utiliser les informations de carte de crédit et les informations de compte de l'acheteur; permettant la vérification d'identification au moyen d'une empreinte digitale de l'acheteur conjointement avec une authentification du terminal acheteur par des informations supplémentaires à l'aide d'un numéro de mobile, d'un ID de service de réseau social (SNS), et d'un numéro de série électronique (ESN) de l'acheteur; réalisant le paiement à sécurité garantie au moyen d'un nombre aléatoire généré par le terminal acheteur pour chaque paiement.
PCT/KR2016/012332 2015-10-29 2016-10-29 Système de paiement sécurisé utilisant un nombre aléatoire et des informations d'empreintes digitales, et son procédé de commande WO2017074146A2 (fr)

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KR1020150150847A KR101763031B1 (ko) 2015-10-29 2015-10-29 난수와 지문 정보를 이용하는 보안 결제 시스템 및 그 구동 방법

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US10296905B2 (en) 2016-09-08 2019-05-21 Eyl Inc. Method and system using quantum random generator
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KR20130008125A (ko) * 2011-07-11 2013-01-22 주식회사 비즈모델라인 사용자의 결제수단과 동적 매핑된 결제식별번호를 이용한 결제
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