KR20060097688A - How to provide financial card payment service using biometric information - Google Patents

Abstract

The present invention relates to a method of providing a financial card (eg credit card, debit card, cash card, smart card, IC card, etc.) processing service, in particular biometric information (eg fingerprint information, iris information, vocal information, vein information, It relates to a method of providing a credit card payment service using DNA information.

According to an aspect of the present invention, there is provided a method of providing a financial card processing service using biometric information, the method comprising: registering personal information of a financial card customer, biometric information, and financial card information capable of identifying at least a corresponding financial card in a database; When the biometric information received from the card processing terminal is registered in the database, transmitting the financial card identification information of the customer corresponding to the biometric information to the corresponding financial institution server, and corresponding to the credit card identification information, when the financial company approves the payment. Receiving the relevant information required by the financial institution server, and transmitting the corresponding information required by the financial institution for payment approval to the financial card processing terminal, so that the financial card processing terminal can perform a normal financial card processing operation. It characterized in that it comprises a step to make.

Financial card payment, biometric information recognition

Description

How to provide financial card payment service using biometrics {METHOD FOR PROVIDING FINANCIAL CARD SETTLEMENT USING BIOMETRICS INFORMATION}

1 is a diagram showing an example of the overall system configuration to which the present invention is applied.

2 is a flowchart illustrating a method for providing a financial card processing service according to an embodiment of the present invention.

3 is a flowchart illustrating a method for providing a financial card processing service according to another embodiment of the present invention.

The present invention relates to a method of providing a financial card (eg credit card, debit card, cash card, smart card, IC card, etc.) processing service, in particular biometric information (eg fingerprint information, iris information, vocal information, vein information, It relates to a method of providing a credit card payment service using DNA information.

As is well known, credit cards are used in place of cash when a cardholder purchases an item or service, and the amount used is the basis of a form of credit purchase in which payment is made through a payment account linked to the card at a specified date. In addition, the debit card holder may execute a cash purchase for goods and the like when a balance remains in the payment account of the debit card. In addition, a cash card holder can withdraw cash or checks using an automated device of a bank.

Therefore, regarding the use of credit cards and the like (hereinafter referred to as "financial cards"), it is very important to confirm whether the user of the card is a true owner. As an example of verifying the authenticity of the user of the financial card, the signature of the card holder should be listed in the signature column of the credit card, and the signature of the customer's slip is signed every time it is used. However, there is a limit in verifying the authenticity of the card user only by signing such a credit card.

As another example of verifying the authenticity of a user of a financial card, a method of printing a picture of the card holder on the surface of the card or requiring the user to input a password every time the card has been adopted is adopted.

However, in the countermeasures exemplified above, the illegal use of the financial card during the period from the time of the illegal use of the financial card, i.e. the accident due to theft, loss or hacking, until the cardholder confirms this fact and requests to prohibit the use of the card is authorized. The reality is that it is difficult to eradicate unless special attention is paid to affiliates.

* As another countermeasure to prevent fraudulent use of financial cards, biometric information, such as fingerprint information, is used instead of a password of a credit card user as in Korean Patent Laid-Open No. 2001-0025234 (2001.04.06). There is a way to verify your identity by entering. However, this method is limited to free use because the user must have a card. In addition, since the fingerprint information stored in the credit card and the user's fingerprint information is compared, it is also true that the modulation of the credit card (when copying or modifying the fingerprint information stored in the card) is likely to occur.

As another method, there are various technologies that enable the financial card customer to use the financial card processing terminal only by authentication of biometric information, such as a fingerprint, without having a financial card. Such a technology is expected to be widely used in the future because it has the advantage that the financial card customer can be truly verified and do financial processing without having the financial card.

On the other hand, in the actual implementation of this technique, the present invention considers the following environment. There are many banks and credit card companies in the market that issue financial cards. In the case of a financial card processor, a terminal that performs a credit card inquiry machine, an ATM, and a deposit / withdrawal function that is installed in a large number of countries (in general merchants, large marts, department stores, subways, etc.) (eg, bank ATMs) Etc). Between these financial companies and financial card processing terminals, a system infrastructure for (previous) financial processing is established, and financial processing is performed according to prescribed protocol procedures.

Therefore, in introducing the service of the present invention, for example, the existing credit card payment system or protocol standard should not be changed as much as possible. In addition, the system should be designed to be easily applied to a number of existing financial card processing terminal.

In addition, service systems should be designed so that different types of financial companies do not have to make redundant investments. In addition, the system to be built, for example, should be designed to efficiently accommodate multiple financial firms, allowing them to participate easily and simply and without fear of exposure of customer information. In addition, it should be designed so that financial card customers can be conveniently provided.

In view of this, conventional techniques do not meet the above-mentioned request. For example, in Korean Patent Laid-Open Publication No. 2003-23645 (2003.03.19: hereinafter referred to as "Publication 1"), means for fingerprint authentication (credit card fingerprint authentication controller 4, fingerprint authentication system 5, The user information storage unit 6 (see FIG. 4 of Publication 1) supports a credit card system (3: FIG. 4 of Publication 1), that is, only a system of a specific credit card company is supported. There is a problem that a system must be built.

In addition, the publication 1 does not disclose a method for efficiently accepting several credit card companies.

In addition, the fingerprint authentication terminal (1: see FIG. 4 of Gazette 1) is transformed from the existing credit card inquiry machine, Value Added Network (VAN) company and credit card In addition to the existing credit card payment processing procedures between the systems (3), a variety of new signal transmission and reception procedures for service implementation including biometric information should be included in the credit card payment processing procedure. In this case, the VAN system itself is also inevitable for new services.

In addition, as described above, since the fingerprint authentication terminal 1 is modified from the existing credit card inquiry machine, the existing credit card inquiry machine should implement a processing procedure (without conflict with the existing credit card payment service). . Of course, as another example, even when the fingerprint authentication terminal 1 is another type of financial card processing terminal, the existing financial card processor should implement a processing procedure (without conflict with the previous service) with the system.

Also, in Publication 1, a credit card type is registered at the time of service registration, and a credit card type can be selected at the time of use. However, this type of credit card is interpreted as a plurality of types of credit cards issued by a single credit card company, and when using the service, the customer must inform the store clerk, for example, of the type of card the card customer wants to use. There is a problem in that it is not in the process and the customer feels troublesome and inconvenient by the new procedure.

In addition, in the case of Gazette 1, since a separate system must be implemented for each credit card company, the customer has a problem in that a service must be registered for each credit card company. In particular, since there is a procedure for registering biometric information in service registration, it is very cumbersome to duplicate biometric information for each credit card company.

As another example, in Korean Patent Laid-Open Publication No. 2002-30625 (2002.04.25: hereinafter referred to as "Publication 2"), means for fingerprint authentication (biometric information management module 22, user information DB 24): 2, see FIG. 1) is provided inside the card company server 20 (see FIG. 1 of Publication 2), there is a problem that a separate (processing using biometric information) system for each credit card company must be built.

Also, Gazette 2 does not disclose a method for efficiently accommodating various credit card companies.

In addition, the biometric information payment terminal 30 (see FIG. 1 of Publication 2) is transformed from the existing credit card inquiry machine, including biometric information, which was not performed in the existing credit card payment processing procedure between the card company server 20. In order to implement the service, various new signal transmission and reception procedures should be included in the credit card payment processing procedure.

In addition, as described above, since the biometric information payment terminal 30 is modified from the existing credit card inquiry machine, the processing procedure with the system (without conflict with the existing credit card payment service) must be implemented in the existing credit card inquiry machine. do. Of course, as another example, even when the biometric information payment terminal 30 is another type of financial card processing terminal, similarly, the existing financial card processor should implement a processing procedure (without conflict with the previous service) with the system.

Further, in Publication 2, a card selector 36 (see FIG. 1 of Publication 2) is provided in the biometric information payment terminal 30, and the customer selects a card to be paid in the card selector 36, and then The biometric information payment terminal 40 transmits the recognized biometric information to the card company server 40 corresponding to the card selected by the customer.

However, when using the service, the card customer should tell the type of card that the customer wants to use, for example, this procedure is not present in the previous credit card processing, and the customer may feel troublesome and inconvenient by the new procedure. have.

In addition to the publications 1 and 2, for example, Republic of Korea Patent Publication No. 378462 (2003.03.10: hereinafter referred to as "Publication 3"), Republic of Korea Patent Publication No. 2002-23310 (2002.03.28: Hereinafter "Publication 4" In Korea Patent Publication No. 2003-21054 (2003.03.12: hereinafter referred to as "Publication 5"), even if a financial card customer does not have a financial card, only by authenticating biometric information such as fingerprints, etc. A technique for enabling the use of a card processing terminal is disclosed. However, the publications 3, 4 and 5 also have the problems of the aforementioned publications 1 and 2.

The present invention has been made in such a situation, and in the technical field that enables financial card customers to carry out financial processing through authentication of biometric information without having a financial card, the service processing system is to be efficiently constructed. There is that purpose.

Furthermore, another object of the present invention is to propose a method of minimizing changes in a financial institution system and a financial card processing terminal that are already installed and utilized.

Furthermore, another object of the present invention is to propose a method to be easily applied to various types of existing financial card processing terminals.

Furthermore, another object of the present invention is to propose a method for avoiding duplicate investments of various kinds of financial companies.

Furthermore, it is another object of the present invention to propose a method for allowing various financial companies to participate easily and simply and without fear of exposure of customer information.

Furthermore, the present invention proposes a method in which a user can conveniently and simply change the financial card used by the user to another financial card processing service using biometric information.

According to a characteristic aspect of the present invention, the service providing server 101 does not own information necessary for the financial institution to approve the financial processing (intrinsic information of the financial institution whose information must be kept, information related to the customer). Do not. The service providing server 101 registers only the information for identifying the corresponding financial card in the database at the time of service registration, and at the time of the service request according to the present invention, the financial card identification information (certified biometric information) is transferred to the corresponding financial company. send. Then, the financial company server recognizes that the customer is the owner of the true financial card because the biometric information has been authenticated, and manages itself by the financial company and provides the information necessary for the unique and payment approval.

In one embodiment, the information required for the payment approval in the financial institution may be provided to the service providing server 101. In some cases, the information required for payment approval at the financial institution may be directly provided to the corresponding financial card processing terminals 115 to 117.

As described above, according to the characteristic aspect of the present invention, information necessary for each financial company to approve financial processing, for example, information unique to the financial company whose confidentiality must be kept, information related to the customer, etc. is provided externally, that is, service provision. Since it is not managed on the server 101 side, each financial company can participate in the service of the present invention without worrying about exposure of customer information.

In addition, procedures such as registration of biometric information and verification of service members have been performed externally, and each financial company provides only the necessary information to the financial card processing terminal to approve the corresponding financial processing according to the financial card identification information. Since the financial companies can easily and simply participate in the service of the present invention. In addition, multiple financial companies do not have to make redundant investments.

In addition, the financial card processing terminals 119 to 123 transmit the biometric information of the customer to the service providing server 101 before performing the conventional financial card processing, and are required for the financial company's approval process from the corresponding external terminal. You will be provided with information (e.g., credit card number, credit card number, expiration date) required for credit card authorization. In this way, the financial card processing terminals 119 to 123 receive the information required by the financial institution for the approval process, and after that, the financial card processing terminals may perform the existing financial card processing. It is possible to implement.

In the financial card processing terminals 119 to 123, a hardware implementation method for biometric information recognition will be described later. That is, for example, a means for fingerprint recognition may be implemented as a module or externally (see Korean Patent Laid-Open No. 2002-777445 (2002.10.14)) to connect with an existing financial card processing terminal.

According to a preferred embodiment of the present invention, the financial card processing terminals 119 to 123 and the service providing server 101 (of the present invention) are communicatively connected. In one embodiment, the financial card processing terminals 119 to 123 may be a card terminal of a store. In addition, when the present invention is applied to a large mart or department store constituting the affiliate network 127, the service providing server 101 may be connected to the gateway 117 supporting an interworking interface between the external network in the network, for example, by a dedicated line. have. In this case, the service can be performed at a low installation cost, and a great effect can be obtained.

The foregoing and further aspects of the present invention will become more apparent through the following embodiments. Hereinafter, the present invention will be described in detail with reference to the preferred embodiments described with reference to the accompanying drawings so that those skilled in the art can easily understand and reproduce.

1 is a view showing an example of the overall system configuration to which the present invention is applied, Figure 2 is a flow chart illustrating a method for providing a financial card processing service according to an embodiment of the present invention, Figure 3 is a view of the present invention FIG. Is a flowchart illustrating a method for providing a financial card processing service according to another embodiment. Hereinafter, a description will be given with reference to the drawings.

According to a preferred embodiment of the present invention, the financial card processing terminals 119 to 123 and the service providing server 101 (of the present invention) are communicatively connected. In one embodiment, the financial card processing terminals 119 to 123 may be a card terminal of a store. In addition, when the present invention is applied to a large mart or department store constituting the affiliate network 127, the service providing server 101 may be connected to the gateway 117 supporting an interworking interface between the external network in the network, for example, by a dedicated line. have. Of course, in some cases, the store terminal may be a general credit card merchant terminal 111.

In addition, in one embodiment, the service providing server 101 is in communication with the financial institution server (103 to 109).

As shown in FIG. 2, according to a preferred embodiment of the present invention, in the method of providing a financial card processing service using biometric information, personal information of a financial card customer, biometric information, and at least a corresponding finance In the step 201 of registering the financial card information for identifying the card in a database (not shown), and the biometric information received from the financial card processing terminal 119 (see 203) is registered in the database, (205) transmitting the financial card identification information of the customer corresponding to the biometric information to the corresponding financial institution server 107, and the corresponding information corresponding to the credit card identification information and required by the financial company for payment approval. Receiving step 207 from the financial institution server 107, and the corresponding information required by the financial institution at the time of payment approval to the financial card processing terminal 119, the gold It characterized in that the card processing device 119 is configured to include a step 209 that enables 211 the conventional financial card processing operations.

In an embodiment, unlike FIG. 2, the financial institution server 107 may directly provide the financial card processing terminal 119 with information required for approval of payment.

In one embodiment, the registration terminal 115 is a computer capable of processing biometric information, which may be provided in the store. For example, when a financial card customer visits a store to confirm his / her identity and applies for a service, a service guide of a store may register a service by keying in the store registration terminal 115.

Information required for registration includes identification of financial card customers' personal information (name, social security number, address, telephone number, etc.), biometric information (fingerprint information, iris information, voiceprint information, vein information, DNA information, etc.) and at least the relevant financial card. It can be financial card information.

The technology that the terminal or server processes and transmits the biometric data of the customer itself is known before the present invention is filed, and those skilled in the art can fully implement the present specification.

In some cases, the registration terminal and the financial card processing terminal may be the same. For example, a financial card customer can purchase goods at a predetermined store in a department store and immediately register with the service of the present invention according to the guidance of a store clerk. In this case, the terminal for registration may be, for example, a point of sale (POS) terminal capable of payment processing by credit or debit card or cash card. As is well known, POS terminals are being developed not only for magnetic stripe card recognition but also for contact or contactless IC card recognition (see Korean Patent Publication No. 2002-17352 (2002.03.07)).

As such, when a financial card customer tries to subscribe to a financial processing service using biometric information, there is a hassle of having to go to a financial company and register directly, but according to an embodiment of the present invention, a financial card customer provides only one service. Only registration allows the service of the present invention to the mode financial card to be provided. In addition, the present invention has a configuration that allows the various financial card companies to easily participate in the service of the present invention, the customer has the advantage of only having to register the service once.

In one embodiment, the registration terminal may be a personal PC. In this case, for example, the personal PC and the service providing server 101 are communicatively connected via the Internet.

In one embodiment, the group number may be further included as information necessary for registration. In the present invention, in order to prevent misrecognition due to biometric information matching, a biometric information database is constructed by dividing groups into units of a predetermined number of people (eg, 100,000, 100,000). Each group is given a group number. When the customer selects the group number and the customer enters the group number assigned each time the user inputs the biometric information, the service providing server 101 searches only the database area corresponding to the group number when the biometric information is searched. do.

Information required for registration includes identification of financial card customers' personal information (name, social security number, address, telephone number, etc.), biometric information (fingerprint information, iris information, voiceprint information, vein information, DNA information, etc.) and at least the relevant financial card. It can be financial card information. According to a characteristic aspect of the present invention, in the case of processing a financial card of a third party or to provide a service from a service provider independent of a financial company, the financial card information for identifying the financial card is typically In other words, it is preferable that the financial information is not the information (received from the financial card processing terminal side) (for example, credit card number and expiration date information in the case of credit card payment) required for the financial card authorization processing.

In one embodiment, the financial card information registered in the database of the service providing server 101 and at least identifying the corresponding financial card may be financial card number information of the financial card read by the terminal 115. have. In one embodiment, the financial card information for identifying the corresponding financial card may be a credit card number among credit card numbers and expiration date information recognized by the terminal when the credit card is swiped.

Subsequently, when a financial card customer wants to receive a financial service from the financial card processing terminal 119 without a registered financial card, his / her biometric information is input to the financial card processing terminal 119. Then, the financial card processing terminal 119 transmits the biometric information of the customer to the service providing server 101 (203).

If the biometric information received from the financial card processing terminal 119 is registered in the database, the service providing server 101 confirms that the biometric information is registered in the service and displays the financial card identification information of the customer corresponding to the biometric information. And transmits to 107 (205). In one embodiment, the identification information transmitted may be a financial card number and a social security number of the customer.

As is well known, card information that is typically read from a financial card by a financial card processor and transmitted to the financial card company becomes the information (eg, credit card information, expiration date) that the financial card needs to process the authorization. In Korean Registered Patent No. 378462 (registered on March 19, 03: hereinafter referred to as "Publication 6"), the card information transmitted by the fingerprint matching server to the card payment company is information required for payment approval as described above. Is interpreted as This is because, if the card information is not required for payment approval, the card payment company is an incomplete invention that cannot perform the approval procedure with the card information received from the fingerprint matching server.

In contrast, in the present invention, the service providing server 101 does not register the information required for the aforementioned payment approval, stores only the information identifying the financial card, and transmits it to the financial company server 107.

In addition, according to this, in the present invention, when the received biometric information is registered in the database, the service providing server 101 may check only that registered in the service. On the contrary, in the publication 6, it is necessary to confirm that the user is a legitimate user in the fingerprint matching server, so that both inventions are discriminated.

The financial company server 107, for example, manages itself by the financial company and provides information necessary for unique payment approval. In one embodiment, the information required for the payment approval may be a credit card number and expiration date.

In an embodiment, the financial institution server 107 may transmit information necessary for the payment approval to the service providing server 101 (207). In one embodiment, if the service providing server 101 has registered a credit card number, only valid period information may be transmitted in step 207.

In one embodiment, the information provided by the financial card processing terminal 119 from the service providing server 101 or the financial institution server 107 is information required for payment approval, for example, credit if the financial card is a credit card. It can be your card number and expiration date.

Thereafter, the financial card processing terminal 119 performs a general financial processing operation via a VAN network (not shown) or directly with the financial company server 107 using information required for payment approval (211). . Here, the normal financial processing operation may be a credit card approval procedure, a debit card approval procedure, a cash card approval procedure, or the like.

As described above, according to the characteristic aspect of the present invention, information necessary for each financial company to approve financial processing, for example, information unique to the financial company whose confidentiality must be kept, information related to the customer, etc. is provided externally, that is, service provision. Since it is not managed on the server 101 side, each financial company can participate in the service of the present invention without worrying about exposure of customer information.

In addition, procedures such as registration and authentication of biometric information are performed externally, and each financial institution only provides the financial card processing terminal with information necessary for approving the corresponding financial processing according to the financial card identification information. Each financial company can easily and simply participate in the service of the present invention. In addition, multiple financial companies do not have to make redundant investments.

In addition, the financial card processing terminals 119 to 123 transmit the biometric information of the customer to the service providing server 101 before performing the conventional financial card processing, and are required when the financial company accepts the processing from the corresponding external terminal. You will be provided with information (e.g., credit card number, credit card number, expiration date) required for credit card authorization. In this way, the financial card processing terminals 119 to 123 receive the information required by the financial institution for the approval of the processing, and after that, the financial card processing terminals may perform the existing financial card processing. It is possible to implement.

On the other hand, according to a characteristic aspect of the present invention, the user provides a way to conveniently and simply change the financial card used by the user to another. Hereinafter, a description will be given with reference to FIG. 3.

As shown in FIG. 3, according to a preferred embodiment of the present invention, when the biometric information of a predetermined financial card customer is received from the terminal 115 (301), the received biometric information is stored in the database. Checking whether it is registered (not shown), and when the changed financial card information is received from the terminal 115, replacing the financial card information with the changed financial card information among the registered information of the financial card customer. 309 is further characterized.

The change terminal 115 may be provided in a store as a computer capable of processing biometric information. For example, a financial card customer visits a store to confirm his / her identity, presents a new financial card to change a serviceable financial card, and also inputs his / her biometric information to the change terminal 115. Then, the change terminal 115 transmits a financial card change request signal including the biometric information of the financial card customer to the service providing server 101 (301).

Then, the service providing server 101 checks whether the received biometric information is registered in the database (not shown), and transmits the registration information of the financial card customer to the terminal 115 (303).

Then, the terminal 115 can display, for example, a screen for changing a financial card. For example, the item displayed on the screen may be a customer name, social security number, address, group number, financial card information, biometric code, change confirmation icon, and the like.

When the customer (or clerk) inserts the financial card to be changed into the terminal 115, the terminal 115 replaces the read financial card information (of the new financial card) in the financial card information column instead of the previous financial card information. Can be displayed. When the customer presses the change confirmation icon (305), the changed credit card information is transmitted to the service providing server 101 (307). Then, the service providing server 101 replaces the financial card information with the changed financial card information among the registered information of the financial card customer (309).

As described above, according to the characteristic aspect of the present invention, not only one financial card can be used but also another financial card of the same financial company or another financial card of another financial company can be used. According to the related art, in order to use the financial card of various financial companies in the fingerprint authentication service, changes to each financial company must be registered. For example, it should be known that the previously registered financial card is not used at the old card company, and likewise the new card company should be known that the financial card of the company will be used for the service.

In addition, at the time of use, there should be a separate button for selecting a card company in the terminal, and the user should inform the store clerk, for example, the type of the card he wishes to use when receiving the service.

However, according to the present invention, by replacing the financial card information registered to the member in the service providing server with a new one, not only one financial card can be used, but another financial card of the same financial company or another financial card of another financial company. It is possible to use.

Meanwhile, according to a characteristic aspect of the present invention, the registered financial card information corresponds to the financial card of the subsidiary financial company, and the changed financial card information corresponds to the financial card of another financial company.

The present invention shows its advantages well when a particular financial company constructs a service providing system according to the present invention. As shown in FIG. 1, a first financial company establishes a system for a service of the present invention. In this case, the service providing server 101 may be provided in the first financial institution system 105. Even in this case, according to the present invention, unlike the prior art, the advantages of the present invention described above appear the same. In particular, even if a customer first subscribes to the service using the financial card of the first financial company (see 103), the customer can change and use the financial card of another financial company (see 107 to 109).

Meanwhile, according to a characteristic aspect of the present invention, the financial card processing terminals 119 to 123 are store terminals, and the registration step 201 further registers bonus card information given to the customer at the store in a database, and stores the store. When the biometric information received from the terminals 119 to 123 is registered in the database, the registered bonus card information is transmitted to the store terminals 119 to 123 so that the store terminals 119 to 123 receive a known bonus accumulation operation. Characterized in that further performing the step to perform.

As is well known, stores that sell goods, food, and services have adopted a bonus system to attract customers. For example, domestic E (E-Mart) pays OK cashback points to customers who purchase, and other large marts operate a similar point system. Of course, the general merchant store can also operate the point system independently.

The above-described feature of the present invention is that the service providing server 101 further registers the bonus card in the registration step (201), and later when the service request comes from the store terminal 119 (203), biometric information If the authentication is successful and the authentication is successful, by providing the registered bonus card information to the store terminal 119, so that the store terminal 118 can perform a known bonus card earning operation (not shown in Figure 2). ), It does mean that the customer does not have to carry a bonus card.

In the known bonus card earning operation, for example, when the store terminal 118 is provided with the bonus card information from the service providing server 101, the bonus card information and purchase history information is transmitted to the store host server 125, and the store The bonus score earned from the host server 125 may be received and included in the printed sales slip.

According to a characteristic aspect of the present invention, when the financial card processing terminals 119 to 123 are store terminals, and the biometric information received from the terminal is recorded in the database, the service providing server 101 performs the finance. Receive bonus card information granted to the customer in the corresponding store from the terminal 115 without performing the step of registering the card customer's personal information, biometric information, or at least financial card information that can identify the corresponding financial card in the database. And registering it in a database, and transmitting the registered bonus card information to the store terminals 119 to 123 so that the store terminals 119 to 123 can perform a known bonus accumulation operation. It is characterized by.

That is, the service of the present invention can be applied not only to any particular store but also to other stores. At this time, according to the above-described feature, it is possible to register a service at another store very simply. For example, if a customer of a financial card is provided with the service of the present invention at "LG Mart" and wants to be provided with the service of the present invention at "E Mart", the customer does not have to receive a complicated registration process. You only need to register additional bonus cards.

Meanwhile, according to a characteristic aspect of the present invention, the service providing server 101 transmits the financial card identification information to the corresponding financial institution server 107 and is required at the time of approval of the financial company from the financial institution server 107. Receiving the corresponding information 207 is characterized in that is performed when the credit card information of the customer corresponding to the biometric information corresponds to the financial card number of another financial company.

That is, for example, in the case where the first financial company provides the service of the present invention, it is assumed that a predetermined customer has registered the financial card of the first financial company in the service. In this case, the information necessary for the first financial loan to approve the financial processing is stored in the database of the service providing server, and there is no risk of leakage of customer information. Thus steps 205 and 207 are omitted. In this case, the information required by the financial institution for the processing approval can be registered immediately in step 201.

For example, the service providing server 101 may identify whether it is its own financial card or another company's financial card by using the financial card information corresponding to the authenticated biometric information. For example, in the case of a credit card number, the first six digits (fre-fix) are information for identifying a credit card company.

In one embodiment, the information required by the financial institution to approve payment may be a credit card number and an expiration date. Also, the information required by the financial institution for payment approval may be information that can be recognized by the terminal when the credit card is swiped.

Meanwhile, according to a characteristic aspect of the present invention, when the financial card information of the customer corresponds to the own financial company, the registered financial card information is information recognized when the financial card is read, and the financial card information of the customer is used by another financial company. In this case, the registered financial card information is characterized in that the information is part of the information recognized when the financial card is read.

For example, the service providing server 101 reads the financial card presented by the customer at the time of service registration, and the financial card has been read when the financial card number recognized by the terminal 115 is a financial card issued by the company. The information recognized at the time is stored as registered financial card information. For example, in the case of a credit card, it may be a credit card number and an expiration date. However, the service providing server 101 reads the financial card presented by the customer, and when the financial card number recognized by the terminal 115 is a financial card issued by a third party, information of a part of the information of the recognized financial card. Stores only the registered financial card information. This is to prevent leakage of important customer information of other financial companies. For example, in the case of a credit card, the partial information may be expiration date information.

As described above, according to an embodiment of the present invention, information necessary for each financial company to approve financial processing, for example, information unique to the financial company whose confidentiality must be kept, information related to the customer, etc. is external, that is, a service providing server. Since it is not managed by the (101) side, each financial company can participate in the service of the present invention without fear of exposure of customer information.

In addition, procedures such as registration and authentication of biometric information are performed externally, and each financial institution only provides the financial card processing terminal with information necessary for approving the corresponding financial processing according to the financial card identification information. Each financial company can easily and simply participate in the service of the present invention. In addition, multiple financial companies do not have to make redundant investments.

In addition, the financial card processing terminals 119 to 123 transmit the biometric information of the customer to the service providing server 101 before performing the conventional financial card processing, and are required when the financial company accepts the processing from the corresponding external terminal. You will be provided with information (eg credit card number, credit card number, expiration date in case of credit card company). In this way, the financial card processing terminals 119 to 123 receive the information required by the financial institution for the approval of the processing, and after that, the financial card processing terminals may perform the existing financial card processing. It is possible to implement.

As described above, according to the characteristic aspect of the present invention, not only one financial card can be used but also another financial card of the same financial company or another financial card of another financial company can be used. According to the related art, in order to use the financial card of various financial companies in the fingerprint authentication service, changes to each financial company must be registered. For example, it should be known that the previously registered financial card is not used at the old card company, and likewise the new card company should be known that the financial card of the company will be used for the service.

In addition, at the time of use, there should be a separate button for selecting a card company in the terminal, and the user should inform the store clerk, for example, the type of the card he wishes to use when receiving the service.

However, according to the present invention, by replacing financial card information with a new service providing server, not only one financial card can be used but also another financial card of the same financial company or another financial card of another financial company can be used. .

The present invention shows its advantages well when a particular financial company constructs a service providing system according to the present invention. As shown in FIG. 1, a first financial company establishes a system for a service of the present invention. In such a case, the service providing server 101 may be provided in the first financial institution system 105. Even in this case, according to the present invention, unlike the prior art, the advantages of the present invention described above appear the same. In particular, even if a customer first subscribes to the service using the financial card of the first financial company (see 103), the customer can change and use the financial card of another financial company (see 107 to 109).

Although the present invention has been described with reference to the accompanying drawings, it should not be construed as being limited thereto, but should be construed to cover many modifications that are obvious from this. For example, in the embodiment of the present invention has been described with respect to the credit card as a financial card, it is of course applicable to other types of financial cards.

Claims (1)

In the method for providing a financial card processing service using biometric information, Registering the financial card customer's personal information, biometric information and at least financial card information for identifying the corresponding financial card in a database; When the biometric information of a predetermined financial card customer is received from the financial card processing terminal, the biometric information is checked if the biometric information is registered in the database, and when the biometric information is registered in the database, the customer corresponding to the biometric information. Transmitting the financial card identification information of the corresponding financial institution server; Receiving, from the financial institution server, corresponding information corresponding to the credit card identification information and required by the financial institution for payment approval; Transmitting, to the financial card processing terminal, corresponding information required by the financial company when the payment is approved, so that the financial card processing terminal can perform a normal financial card processing operation; And When financial card information of another financial company is received from the financial card processing terminal, replacing financial card information of a subfinancial company with financial card information of the other financial company among registration information of the financial card customer; Including, The financial card processing terminal, A store terminal; The registration step, Further registering in the database bonus card information assigned to the customer at the corresponding store; If the biometric information received from the store terminal is registered in the database, transmitting the registered bonus card information to the store terminal, so that the store terminal can perform a known bonus accumulation operation. A method of providing a financial card processing service using biometric information, characterized in that performing.

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