WO2021177214A1 - 決済情報管理装置、精算システム、決済情報管理方法、及びプログラム - Google Patents

決済情報管理装置、精算システム、決済情報管理方法、及びプログラム Download PDF

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Publication number
WO2021177214A1
WO2021177214A1 PCT/JP2021/007640 JP2021007640W WO2021177214A1 WO 2021177214 A1 WO2021177214 A1 WO 2021177214A1 JP 2021007640 W JP2021007640 W JP 2021007640W WO 2021177214 A1 WO2021177214 A1 WO 2021177214A1
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WIPO (PCT)
Prior art keywords
information
payment
authentication
face
master
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
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PCT/JP2021/007640
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English (en)
French (fr)
Japanese (ja)
Inventor
幸生 名田
小百合 渡邊
俊亘 小勝
正道 田辺
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NEC Corp
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NEC Corp
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Publication date
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Priority to US17/802,689 priority Critical patent/US20230098120A1/en
Priority to JP2022504345A priority patent/JP7622731B2/ja
Publication of WO2021177214A1 publication Critical patent/WO2021177214A1/ja
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61B—DIAGNOSIS; SURGERY; IDENTIFICATION
    • A61B5/00—Measuring for diagnostic purposes; Identification of persons
    • A61B5/117—Identification of persons
    • A61B5/1171—Identification of persons based on the shapes or appearances of their bodies or parts thereof
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
    • G06T7/00—Image analysis

Definitions

  • the present invention relates to a payment information management device, a payment system, a payment information management method, and a program.
  • Patent Document 1 describes that a user's ID and biometric information are stored in association with each other, and the user is authenticated using this biometric information. In Patent Document 1, the settlement is performed after the user is successfully authenticated.
  • Patent Document 2 describes that face authentication and iris authentication are performed in parallel, and when either face authentication or iris authentication is successful, it is determined that the person is successfully authenticated.
  • Face recognition is one of the biometrics. Face recognition has the advantage that the load on the person to be authenticated is small, including the registration of master information. However, if very high authentication accuracy is required, face recognition may not meet the requirement. Other biometrics include iris recognition and vein recognition. Authentication using these biometric information has the advantage of high authentication accuracy. On the other hand, since iris authentication and vein authentication require a dedicated imaging unit, the person to be authenticated needs to go to a place where the dedicated imaging unit is located when registering the master information.
  • the payment information which is information necessary for electronically making a payment
  • the master face information indicating the face of a person corresponding to the payment information are acquired from the first terminal, and the payment information and the above-mentioned payment information are obtained.
  • the first registration means that associates the master face information and stores it in the first storage means
  • An acquisition means for acquiring authentication face information which is face information of a customer who is trying to make a payment using the payment device, from a payment device installed in a store.
  • the biometric information including the customer's iris information and / or vein information generated by the settlement device is used as the master biometric information on the condition that the settlement device executes the settlement process using the payment information.
  • a second registration means that is associated with the customer's payment information and stored in the first storage means, and A payment information management device is provided.
  • payment information which is information necessary for electronic payment
  • master face information indicating the face of a person corresponding to the payment information
  • iris information and / or vein information of the person are shown.
  • An authentication means that performs an authentication process using the first storage means, the authentication biometric information and / or the authentication face information, and the like.
  • the authentication means is When there is the master face information whose score for the authentication face information is equal to or higher than the reference value, the settlement information corresponding to the master face information is read out, and the settlement device is made to execute the settlement process using the settlement information.
  • the master bioinformation having a score equal to or higher than the reference value for the authentication biometric information is specified, and the payment information corresponding to the master biometric information is specified. Is provided, and a payment information management device is provided, which causes the payment device to execute a payment process using the payment information.
  • a checkout device used in a store and A payment information management device that manages information used in the payment device With The payment information management device is From the first terminal, payment information which is information necessary for electronic payment and master face information indicating the face of a person corresponding to the payment information are acquired, and the payment information and the master face information are associated with each other.
  • a first registration means to be stored in the first storage means is provided.
  • the settlement device is Face information generating means for generating authentication face information which is face information of a customer who is going to settle using the checkout device and biometric information generation for generating biometric information including iris information and / or vein information of the customer.
  • Means and A transmission means for transmitting the authentication face information and the biometric information to the payment information management device, and With The payment information management device further An acquisition means for acquiring the authentication face information and the biometric information from the settlement device, and When there is the master face information whose score for the authentication face information is equal to or higher than the reference value, the authentication that reads the payment information corresponding to the master face information and causes the payment device to execute the payment process using the payment information. Means and On the condition that the settlement device executes the settlement process using the settlement information, the biometric information acquired from the settlement device is used as the master biometric information in association with the payment information of the customer.
  • the second registration means to be stored in the storage means and A payment system is provided.
  • the computer From the first terminal, payment information which is information necessary for electronic payment and master face information indicating the face of a person corresponding to the payment information are acquired, and the payment information and the master face information are associated with each other.
  • the face information for authentication which is the face information of the customer who is going to make a payment using the payment device, is acquired.
  • the settlement information corresponding to the master face information is read out, and the settlement device is made to execute the settlement process using the settlement information.
  • the master living body is the information generated by the settlement device, including the customer's iris information and / or vein information, on the condition that the settlement device executes the settlement process using the payment information.
  • a payment information management method is provided, which is associated with the payment information of the customer and stored in the first storage means.
  • a computer From the first terminal, payment information which is information necessary for electronic payment and master face information indicating the face of a person corresponding to the payment information are acquired, and the payment information and the master face information are associated with each other.
  • the master face information whose score for the authentication face information is equal to or higher than the reference value
  • the master living body is the information generated by the settlement device, including the customer's iris information and / or vein information, on the condition that the settlement device executes the settlement process using the payment information.
  • As information a function of associating with the payment information of the customer and storing it in the first storage means, Is provided.
  • iris authentication and / or vein authentication it is easy to register master biometric information in iris authentication and / or vein authentication while taking advantage of the convenience of face authentication. Further, according to another invention, by using face authentication, iris authentication and / or vein authentication together, both authentication accuracy and convenience can be achieved.
  • FIG. 1 is a diagram showing a configuration of a settlement system according to the present embodiment.
  • the settlement system according to the embodiment has a payment information management device 10 and a settlement device 20, and is used together with the first terminal 30.
  • the settlement device 20 is installed in the store and is used when the customer setstles the consideration for the product or service. At this time, the settlement device 20 performs settlement using an electronic method, for example, a credit card or an electronic money card.
  • the payment information management device 10 transmits information necessary for making an electronic payment (hereinafter referred to as payment information) to the payment device 20.
  • the payment information includes at least one of information for identifying a payment method, such as a credit card number and its expiration date, an electronic commerce card number, and a bank account number.
  • the payment information management device 10 uses biometric authentication. This biometric is face recognition, as well as iris recognition and / or vein recognition. In these authentications, the payment information management device 10 uses the face information for the master (hereinafter referred to as the master face image) and the iris information and / or the vein information for the master (hereinafter referred to as the master biometric information).
  • the face information is, for example, a facial feature amount or a face image
  • the iris information is, for example, an iris feature amount or an iris image
  • the vein information is, for example, a vein feature amount or a vein image. ..
  • a face image is used as face information
  • the face information is processed into facial features as needed.
  • an iris image is used as the iris information
  • the iris information is processed into iris features as needed.
  • an image of a vein is used as the vein information
  • the vein information is processed into a feature amount of the vein as needed.
  • the person who uses this payment system registers the payment information and the master face information in the payment information management device 10 in advance.
  • the first terminal 30 is used for this registration.
  • the first terminal 30 may be a mobile terminal or a terminal installed in a store or the like, for example, a kiosk terminal.
  • the first terminal 30 has an imaging unit (a part or all of the face information generation unit 310 described later) for photographing a face.
  • the master face information is an image generated by this imaging unit or a feature amount extracted from the image.
  • the settlement device 20 includes an imaging unit for capturing a customer's face image (a part or all of the face information generating unit 210 described later) and an imaging unit for capturing an iris image of the customer (living body described later). It has a part or all of the information generation unit 220). The images generated by these imaging units are used when performing personal authentication in the settlement process. The iris image generated by the settlement device 20 is also used when generating master biometric information.
  • FIG. 2 is a diagram showing an example of the functional configuration of the payment information management device 10.
  • the payment information management device 10 has a first registration unit 110, an acquisition unit 130, an authentication unit 140, and a second registration unit 150.
  • the first registration unit 110 acquires the above-mentioned payment information and master face information from the first terminal 30, and stores the payment information and master face information in the first storage unit 120 in association with each other.
  • the acquisition unit 130 acquires face information (hereinafter referred to as authentication face information) of a customer who is going to perform settlement using the settlement device 20 from the settlement device 20.
  • authentication face information face information
  • the authentication unit 140 reads the payment information corresponding to the master face information from the first storage unit 120 and performs settlement processing using the payment information. Is executed by the settlement device 20.
  • the second registration unit 150 associates the customer's iris information with the customer's payment information as the master biometric information on the condition that the payment device 20 executes the payment process using the payment information, and the first storage unit 150. Store in 120.
  • the master biometric information is generated by the settlement device 20. The details of the processing performed by each functional unit of the payment information management device 10 will be described later using a flowchart.
  • the first storage unit 120 is a part of the payment information management device 10. However, the first storage unit 120 may be located outside the payment information management device 10.
  • FIG. 3 is a diagram showing an example of the functional configuration of the settlement device 20.
  • the settlement device 20 includes a face information generation unit 210, a biometric information generation unit 220, and a settlement processing unit 230.
  • the face information generation unit 210 has an imaging unit that generates a customer's face image, for example, a visible light imaging unit.
  • the face information generation unit 210 transmits this face image or the feature amount generated from the face image to the payment information management device 10 as information for generating face information or face information itself.
  • the biological information generation unit 220 has an imaging unit that generates a customer's iris image, for example, a near-infrared imaging unit.
  • the biological information generation unit 220 transmits the iris image or the feature amount generated from the iris image to the payment information management device 10 as information for generating the iris information or the iris information itself.
  • the settlement processing unit 230 acquires information including consideration to be paid by the customer (hereinafter referred to as settlement information), and also acquires the customer's settlement information from the settlement information management device 10. Then, the settlement processing unit 230 performs a process for producing the payment of the amount indicated by the acquired settlement information by the settlement means indicated by the acquired settlement information.
  • FIG. 4 is a diagram showing an example of the functional configuration of the first terminal 30.
  • the first terminal 30 has a face information generation unit 310 and a registration unit 320.
  • the face information generation unit 310 has an imaging unit that generates a human face image, for example, a visible light imaging unit.
  • the registration unit 320 acquires the payment information of a person and associates the payment information with the face image (or the feature amount generated from the face image) generated by the face information generation unit 310, and the payment information management device. Send to 10.
  • the face image or face feature amount transmitted from the first terminal 30 is used as information for generating master face information or as master face information.
  • the registration unit 320 acquires at least one of the attribute information of the person, for example, age or age group, gender, name, and address, associates it with the face image, and transmits it to the face information generation unit 310.
  • the first terminal 30 further has an approval unit 330.
  • the approval unit 330 causes a person corresponding to the iris information to input information indicating whether or not the iris information acquired by the payment information management device 10 can be used as a master iris image in the authentication process.
  • the approval unit 330 transmits the input result to the payment information management device 10. Then, when the payment information management device 10 acquires the information that the authentication process may be performed from the first terminal 30, the payment information management device 10 can execute the authentication process using the iris information.
  • FIG. 5 is a diagram showing an example of the data structure of the first storage unit 120 of the payment information management device 10.
  • the first storage unit 120 stores the master face information, the master biometric information, the payment information, the attribute information, and the information indicating whether or not the authentication using the iris information is possible in association with each other.
  • the first storage unit 120 stores information indicating that the authentication is unconfirmed as the information indicating whether or not the authentication using the iris information is possible.
  • the first storage unit 120 further stores the terminal specific information in association with the face information.
  • the terminal specific information is information for communicating with a terminal possessed by a person corresponding to the face information, such as an e-mail address or an SNS account.
  • the terminal specific information is acquired, for example, by the person inputting to the first terminal 30.
  • the terminal indicated by the terminal specific information may be the first terminal 30.
  • FIG. 6 is a diagram showing a hardware configuration example of the payment information management device 10.
  • the payment information management device 10 includes a bus 1010, a processor 1020, a memory 1030, a storage device 1040, an input / output interface 1050, and a network interface 1060.
  • the bus 1010 is a data transmission path for the processor 1020, the memory 1030, the storage device 1040, the input / output interface 1050, and the network interface 1060 to transmit and receive data to and from each other.
  • the method of connecting the processors 1020 and the like to each other is not limited to the bus connection.
  • the processor 1020 is a processor realized by a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), or the like.
  • the memory 1030 is a main storage device realized by a RAM (Random Access Memory) or the like.
  • the storage device 1040 is an auxiliary storage device realized by an HDD (Hard Disk Drive), an SSD (Solid State Drive), a memory card, a ROM (Read Only Memory), or the like.
  • the storage device 1040 stores a program module that realizes each function of the payment information management device 10 (for example, the first registration unit 110, the acquisition unit 130, the authentication unit 140, and the second registration unit 150).
  • the processor 1020 reads each of these program modules into the memory 1030 and executes them, each function corresponding to the program module is realized.
  • the storage device 1040 also functions as a first storage unit 120.
  • the input / output interface 1050 is an interface for connecting the payment information management device 10 and various input / output devices.
  • the network interface 1060 is an interface for connecting the payment information management device 10 to the network.
  • This network is, for example, LAN (Local Area Network) or WAN (Wide Area Network).
  • the method of connecting the network interface 1060 to the network may be a wireless connection or a wired connection.
  • the payment information management device 10 may communicate with the settlement device 20 and the first terminal 30 via the network interface 1060.
  • the hardware configuration of the settlement device 20 and the first terminal 30 is the same as the example shown in FIG.
  • FIG. 7 is a flowchart showing the first process performed by the payment information management device 10.
  • the process shown in this figure is a process for registering the master face information together with the payment information, the attribute information, and the terminal specific information in the first storage unit 120, and is performed together with the first terminal 30.
  • the person using the first terminal 30 takes a face image using the face information generation unit 310 (step S10). Further, the person inputs payment information, attribute information, and terminal specific information into the registration unit 320 (step S20). Then, the registration unit 320 transmits the face image or feature amount generated by the face information generation unit 310 to the payment information management device 10 in association with the payment information, the attribute information, and the terminal specific information (step S30).
  • the first registration unit 110 of the payment information management device 10 stores the face image or feature amount acquired from the first terminal 30 in the first storage unit 120 as face information.
  • the first registration unit 110 processes the face image to generate a facial feature amount, and stores this feature amount in the first storage unit 120 as face information. You may let me.
  • the first registration unit 110 stores the payment information, the attribute information, and the terminal specific information in the first storage unit 120 in association with the face information (step S40).
  • the first storage unit 120 does not store the master biometric information corresponding to the person.
  • the "information indicating whether or not the iris information may be used for the authentication process" column of the first storage unit 120 stores information indicating that the iris information is blank or unconfirmed.
  • FIG. 8 is a flowchart showing a second process performed by the payment information management device 10. The process shown in this figure indicates when a person who has registered face information and payment information in the first storage unit 120 first makes a payment using the payment device 20 as a customer.
  • a customer stands in front of the settlement device 20. Further, the settlement processing unit 230 of the settlement device 20 acquires the settlement information of the customer (step S110). When the settlement device 20 has a product registration function, the settlement device 20 generates settlement information. On the other hand, when the settlement device 20 does not have the product registration function, the settlement processing unit 230 acquires the settlement information from an external device (for example, a product registration device) of the settlement device 20.
  • an external device for example, a product registration device
  • the face information generation unit 210 of the settlement device 20 generates a customer's face image, and uses this face image to generate authentication face information. Further, the biological information generation unit 220 of the settlement device 20 generates an iris image of the customer, and generates iris information using this iris image (step S120). This iris information can be used as master biometric information. At this time, the face information generation unit 210 recognizes the position of the customer's eyes by processing the face image. Then, the biological information generation unit 220 controls the orientation of the imaging unit of the biological information generation unit 220 according to the position of the eyes. As a result, the biological information generation unit 220 can easily generate a high-quality iris image.
  • the biometric information generation unit 220 performs at least a part of the authentication iris information acquisition process in parallel with at least a part of the authentication face information acquisition process.
  • the face information generation unit 210 generates a face image, specifies the position of the eyes, and generates a facial feature amount as face information for authentication. Then, this process is repeated until the feature amount satisfies the standard.
  • the biological information generation unit 220 generates an iris image by controlling the orientation of the imaging unit according to the position of the eye each time the face information generation unit 210 specifies the position of the eye. Then, the biological information generation unit 220 generates iris information using the generated iris image. In this way, the time required for step S120 is shortened.
  • the face information generation unit 210, the biometric information generation unit 220, and the settlement processing unit 230 of the payment information management device 10 transfer the acquired information, that is, the settlement information, the face information for authentication, and the iris information to the payment information management device 10. (Step S130).
  • the acquisition unit 130 of the payment information management device 10 acquires the settlement information, the face information for authentication, and the iris information from the settlement device 20.
  • the authentication unit 140 determines whether or not the first storage unit 120 has master face information having a score equal to or higher than the reference value for the face information for authentication. In a certain case (step S140: Yes), the authentication unit 140 determines that the authentication was successful, and reads out the payment information corresponding to the master face image from the first storage unit 120 (step S170). Then, the authentication unit 140 transmits the read payment information to the settlement device 20 (step S180).
  • the settlement processing unit 230 of the settlement device 20 electronically performs the settlement process using the settlement information acquired from the settlement information management device 10 (step S190).
  • step S140 determines whether there is no master face image satisfying the conditions in step S140 (step S140: No). If there is no master face image satisfying the conditions in step S140 (step S140: No), the authentication unit 140 transmits information indicating that the authentication has failed to the settlement device 20 (step S150). Then, the settlement device 20 causes, for example, the display unit of the settlement device 20 to display that the authentication has failed (step S160).
  • the payment information management device 10 may repeat the generation of the face image and the authentication process using the face information for a predetermined time until the authentication is successful. In this case, if the authentication is not successful even after the lapse of a predetermined time, the processes shown in steps S150 and S160 are performed.
  • step S170 the authentication unit 140 confirms in the first storage unit 120 the "information indicating whether or not the iris information may be used for the authentication process" column corresponding to the payment information read in the step S170. If this is blank, or if information indicating that it is unconfirmed is stored in this column, it is known that the current settlement process is the first settlement process for the customer. In this case, the payment information management device 10 and the first terminal 30 execute the process shown in FIG. It should be noted that the payment information management device 10 and the first terminal 30 are necessary conditions for executing the process shown in FIG. 9 that the master biometric information corresponding to the read payment information is not stored in the first storage unit 120. May be.
  • FIG. 9 is a flowchart showing a third process performed by the payment information management device 10. The process shown in this figure is a process for registering a master iris image.
  • step S130 of FIG. 8 the biological information generation unit 220 of the settlement device 20 transmits an iris image that can be a master iris image to the payment information management device 10.
  • the acquisition unit 130 stores the iris image in the master iris image field of the first storage unit 120 in association with the payment information read in step S170.
  • this iris image is not treated as a master iris image.
  • the second registration unit 150 of the payment information management device 10 reads the terminal specific information corresponding to the payment information read in step S170 of FIG. 8 from the first storage unit 120. Then, the second registration unit 150 uses the terminal specific information to use the information for confirming whether or not the authentication process using the iris information can be performed, that is, the iris image acquired in step S130 as the master iris image. Information for confirming whether or not the first storage unit 120 may be stored is transmitted to the person's terminal, for example, the first terminal 30 (step S200).
  • the first terminal 30 displays a screen for the person to confirm (step S210).
  • the person inputs information indicating whether or not the iris information may be used for the authentication process to the first terminal 30 (step S220).
  • the first terminal 30 transmits the information to the payment information management device 10 (step S230).
  • the second registration unit 150 of the payment information management device 10 updates the first storage unit 120 according to the information acquired from the first terminal 30 (step S240).
  • the second registration unit 150 when the second registration unit 150 acquires the information to the effect that the authentication process is permitted from the first terminal 30, the second registration unit 150 stores the information for converting the iris information into the master iris image in the first storage unit 120. Specifically, the second registration unit 150 stores information indicating that it is available in the "information indicating whether or not the iris information may be used for the authentication process" column of the first storage unit 120.
  • the second registration unit 150 when the second registration unit 150 acquires the information that the authentication process is not permitted from the first terminal 30, the second registration unit 150 stores the information for not using the iris information as the master iris image in the first storage unit 120. Specifically, the second registration unit 150 stores information indicating that the iris information is not available in the "information indicating whether or not the iris information may be used for the authentication process" column of the first storage unit 120.
  • FIG. 10 is a flowchart showing a fourth process performed by the payment information management device 10. The process shown in this figure indicates when a person who has registered the master biometric information in the first storage unit 120 performs settlement using the settlement device 20 as a customer.
  • steps S110 to S140 are the same as in FIG. However, the iris information transmitted in step S130 is treated as authentication iris information.
  • step S140: Yes the processes after step S170 are executed as in the example shown in FIG.
  • step S140 when the authentication using the face information fails, that is, when there is no master face information whose score for the face information for authentication is equal to or higher than the reference value (step S140: No), the authentication unit 140 authenticates using the iris information. Perform the process (step S142). Specifically, the authentication unit 140 determines whether or not the first storage unit 120 has master biometric information having a score equal to or higher than the reference value for the authentication iris information. In a certain case (step S142: Yes), the authentication unit 140 determines that the authentication was successful, and reads out the payment information corresponding to the master iris image from the first storage unit 120 (step S170). In step S142, the authentication unit 140 may select a master face image having a higher score in step S40, and may use only the master biometric information corresponding to the selected master image as a collation target.
  • step S142 when there is no master iris image satisfying the conditions (step S142: No), the processes shown in steps S150 and S160 are performed.
  • the face information may be generated before the iris information.
  • the payment information management device 10 may transmit the face information before the iris information.
  • the authentication unit 140 of the payment information management device 10 may first start the authentication process using the face information, and then start the authentication process using the iris information at the timing when the iris information is acquired. In this way, a part of the authentication process using the iris information can be performed in parallel with the authentication process using the face information. Therefore, the time required until step S142 is shortened.
  • the authentication unit 140 uses the master biometric information for the authentication iris this time. It may be overwritten with information.
  • the payment information is registered using the first terminal 30.
  • the information registered using the first terminal 30 includes the master face information, but does not include the master biometric information. Therefore, various terminals such as mobile terminals can be used as the first terminal 30. Therefore, the difficulty of the payment information registration process is low.
  • iris information is generated, and this iris information is registered as master biometric information as needed. And if the iris information is used, the authentication accuracy becomes high. Therefore, according to the present embodiment, it becomes easy to register the master biometric information while taking advantage of the convenience of face recognition.
  • the authentication result using the iris information is used only when the authentication using the face information fails. Therefore, both authentication accuracy and convenience can be achieved.
  • FIG. 11 is a diagram showing a usage environment of the payment information management device 10 according to the second embodiment.
  • the payment information management device 10 is the same as the payment information management device 10 according to the first embodiment, except that the attribute information of the customer can be acquired from the external device 40 as well.
  • the external device 40 is, for example, a device that manages payment information, and stores the attribute information of the user of the credit card or electronic money in association with the identification information (for example, number) of the credit card or electronic money. Then, the first registration unit 110 of the payment information management device 10 acquires the attribute information corresponding to the payment information sent from the first terminal 30 from the external device 40 and stores it in the first storage unit 120.
  • the person does not have to input the attribute information to the first terminal 30 in step S20 of FIG. 7. Therefore, the load on humans is reduced.
  • Some or all of the above embodiments may also be described, but not limited to: 1.
  • payment information which is information necessary for electronic payment and master face information indicating the face of a person corresponding to the payment information are acquired, and the payment information and the master face information are associated with each other.
  • the first registration means to be stored in the first storage means and
  • the authentication that reads the payment information corresponding to the master face information and causes the payment device to execute the payment process using the payment information.
  • the master living body is the information generated by the settlement device, including the customer's iris information and / or vein information, on the condition that the settlement device executes the settlement process using the payment information.
  • a second registration means associated with the payment information of the customer and stored in the first storage means, and a second registration means.
  • the second registration means further provides the customer's iris information and / or vein information, provided that the first storage means does not store the master biometric information in association with the customer's payment information. Is stored in the first storage means. 3.
  • the first registration means further acquires the terminal identification information necessary for communicating with the terminal of the person, associates the terminal identification information with the payment information, and stores the terminal identification information in the first storage means.
  • the second registration means is It is confirmed whether or not the terminal identification information related to the payment information read by the authentication means may be read from the first storage means and the authentication process using the biometric information may be performed using the terminal identification information.
  • the terminal is a payment information management device which is the first terminal. 5.
  • the authentication means executes the authentication process using the biometric information of the customer when there is no master face information whose score for the authentication face information is equal to or higher than the reference value, and when the authentication process succeeds, A payment information management device that reads out the payment information corresponding to the iris information used for authentication and causes the payment device to execute a payment process using the payment information. 6.
  • the settlement device performs at least a part of the biometric information acquisition process in parallel with at least a part of the authentication face information acquisition process.
  • the acquisition means is a payment information management device that acquires the biometric information together with the authentication face information. 7.
  • the first registration means is a payment information management device that acquires the attribute information of the person, associates the attribute information with the master face information, and stores the attribute information in the first storage means. 8.
  • the attribute information is stored in an external device in association with the payment information.
  • the first registration means is a payment information management device that reads the attribute information corresponding to the acquired payment information from the external device and stores the read attribute information in the first storage means. 9.
  • Payment information which is information necessary for electronic payment, master face information indicating the face of a person corresponding to the payment information, and a master living body showing biological information including iris information and / or vein information of the person.
  • An acquisition means for acquiring authentication face information which is the face information of a customer who is going to make a payment using the payment device, and authentication bioinformation, which is the biometric information of the customer, from a payment device installed in a store.
  • An authentication means that performs an authentication process using the first storage means, the authentication biometric information and / or the authentication face information, and the like.
  • the authentication means is When there is the master face information whose score for the authentication face information is equal to or higher than the reference value, the settlement information corresponding to the master face information is read out, and the settlement device is made to execute the settlement process using the settlement information.
  • the master bioinformation having a score equal to or higher than the reference value for the authentication biometric information is specified, and the payment information corresponding to the master biometric information is specified.
  • a payment information management device that reads out and causes the payment device to execute a payment process using the payment information. 10.
  • a first registration means to be stored in the first storage means is provided.
  • the settlement device is Face information generating means for generating authentication face information which is face information of a customer who is going to settle using the checkout device and biometric information generation for generating biometric information including iris information and / or vein information of the customer.
  • the second registration means to be stored in the storage means and Settlement system with. 11.
  • the computer From the first terminal, payment information which is information necessary for electronic payment and master face information indicating the face of a person corresponding to the payment information are acquired, and the payment information and the master face information are associated with each other.
  • the face information for authentication which is the face information of the customer who is going to make a payment using the payment device, is acquired.
  • the settlement information corresponding to the master face information is read out, and the settlement device is made to execute the settlement process using the settlement information.
  • the master living body is the information generated by the settlement device, including the customer's iris information and / or vein information, on the condition that the settlement device executes the settlement process using the payment information.
  • a payment information management method in which information is stored in the first storage means in association with the payment information of the customer. 12.
  • the computer further stores the customer's iris information and / or vein information, provided that the first storage means does not store the master biometric information in association with the customer's payment information.
  • 1 Payment information management method to be stored in a storage means.
  • the terminal specific information necessary for communicating with the terminal of the person is further acquired, and the terminal specific information is associated with the payment information and stored in the first storage means.
  • the terminal is a payment information management method which is the first terminal. 15.
  • the computer uses the biometric information of the customer when there is no master face information whose score for the authentication face information is equal to or higher than the reference value.
  • Payment information management that executes the authentication process, reads the payment information corresponding to the iris information used for authentication when the authentication process is successful, and causes the payment device to execute the payment process using the payment information.
  • Method. 16 In the payment information management method described in any one of 11 to 15 above, The settlement device performs at least a part of the biometric information acquisition process in parallel with at least a part of the authentication face information acquisition process.
  • the computer is a payment information management method for acquiring the biometric information together with the face information for authentication. 17.
  • a payment information management method in which the computer acquires the attribute information of the person, associates the attribute information with the master face information, and stores the attribute information in the first storage means. 18.
  • the attribute information is stored in an external device in association with the payment information.
  • the computer is a payment information management method in which the attribute information corresponding to the acquired payment information is read from the external device, and the read attribute information is stored in the first storage means. 19.
  • payment information which is information necessary for electronic payment and master face information indicating the face of a person corresponding to the payment information are acquired, and the payment information and the master face information are associated with each other.
  • the first registration function to be stored in the first storage means and An acquisition function that acquires authentication face information, which is the face information of a customer who is trying to make a payment using the payment device, from the payment device installed in the store.
  • the authentication When there is the master face information whose score for the authentication face information is equal to or higher than the reference value, the authentication that reads the payment information corresponding to the master face information and causes the payment device to execute the payment process using the payment information.
  • Function and The master living body is the information generated by the settlement device, including the customer's iris information and / or vein information, on the condition that the settlement device executes the settlement process using the payment information.
  • the first registration function is The terminal specific information necessary for communicating with the terminal of the person is further acquired, and the terminal specific information is associated with the payment information and stored in the first storage means. It is confirmed whether or not the terminal identification information related to the payment information read by the authentication function may be read from the first storage means and the authentication process using the biometric information may be performed using the terminal identification information. Send the information to the terminal to A program for storing information for using the biometric information as the master biometric information in the first storage means when information indicating that the authentication process may be performed is acquired from the terminal. 22. In the program described in 21 above, The terminal is a program that is the first terminal. 23.
  • the authentication function executes the authentication process using the biometric information of the customer when there is no master face information whose score for the face information for authentication is equal to or higher than the reference value, and when the authentication process succeeds, A program that reads out the payment information corresponding to the iris information used for authentication and causes the payment device to execute a payment process using the payment information.
  • the settlement device performs at least a part of the biometric information acquisition process in parallel with at least a part of the authentication face information acquisition process.
  • the acquisition function is a program for acquiring the biometric information together with the authentication face information. 25.
  • the first registration function is a program that acquires the attribute information of the person, associates the attribute information with the master face information, and stores the attribute information in the first storage means. 26.
  • the attribute information is stored in an external device in association with the payment information.
  • the first registration function is a program that reads the attribute information corresponding to the acquired payment information from the external device and stores the read attribute information in the first storage means.
  • Payment information management device 10
  • Settlement device 30
  • External device 110
  • First registration unit 120
  • First storage unit 130
  • Acquisition unit 140
  • Authentication unit 150
  • Second registration unit 210
  • Biometric information generation unit 230
  • Payment processing unit 310
  • Face information generation unit 320 Registration department 330 Approval department

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PCT/JP2021/007640 2020-03-02 2021-03-01 決済情報管理装置、精算システム、決済情報管理方法、及びプログラム Ceased WO2021177214A1 (ja)

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JP2024112471A (ja) * 2023-02-08 2024-08-21 東芝テック株式会社 会計装置、およびプログラム
WO2025126424A1 (ja) * 2023-12-14 2025-06-19 株式会社Ｎｔｔドコモ 仮想空間制御装置及び仮想空間制御方法
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