WO2015163558A1 - Payment method using biometric information recognition, and device and system for same - Google Patents

Abstract

The present invention relates to a payment method using biometric information recognition, and a device and a system for the same, and when a terminal device in a payment system presets a biometric information recognition scheme to be used for a payment service, registers biometric registration information and payment information with respect to biometric information recognized according to the preset biometric information recognition scheme, recognizes biometric information according to the preset biometric information recognition scheme for a payment request, and requests a payment by using the recognized biometric information, a service device receives, from the terminal device, and pre-registers the biometric registration information and the payment information, performs user authentication by comparing the biometric information received from the terminal device for the payment request with the pre-registered biometric registration information, processes the requested payment by using the payment information mapped to the biometric information and registered if the user authentication succeeds, and then transmits payment processing result information to the terminal device, thereby enabling more accurate user authentication and strengthening of security during payment.

Description

Payment method using biometrics information, apparatus and system for same

The present invention relates to a payment service, and in particular, to perform authentication of a user using biometric information obtained through biometrics of a user, and a payment method using biometric information recognition for automatically performing a payment service according to the authentication result, An apparatus and system for the same.

The contents described in this section merely provide background information on the present embodiment and do not constitute a prior art.

With the rapid development of information and communication technology, many terminals such as personal computers and cell phones have been implemented to perform more complicated and various functions.

Taking the mobile phone call as an example, a user of a mobile phone can use internet connection, web surfing, and the like through data communication, and can purchase a desired product while surfing the web. Available electronic commerce services.

On the other hand, biometrics is a method of extracting and identifying unique biometric information such as fingerprints, irises, sweat glands, and blood vessels for each individual, and authenticating them. Personal identification such as face shapes, voices, fingerprints, eyes, etc. can not only be used by the theft or duplication of others like keys or passwords, but there is no risk of being changed or lost. In particular, there is an advantage that can be traced back to the user to build a secure system in terms of management. Examples of using biometrics include fingerprint scan, vein recognition, iris scan, voice recognition, and facial recognition.

Such biometrics are used in fields requiring identification of an individual due to existence, convenience, and the like.

The present invention is proposed to solve the conventional inconvenience, by performing the authentication of the user by using the biometric information obtained through the user's biometrics, and by performing the payment service automatically according to the authentication result, user authentication more accurately And to provide a payment method using a biometrics information recognizing to strengthen the security at the time of payment, an apparatus and system for the same.

Terminal device according to an embodiment of the present invention for achieving the above object, the communication unit for transmitting and receiving data for the payment service using the biometric information in conjunction with the service device via a communication network; A biometric unit recognizing biometric information for use in a payment service; And a biometric information recognition method that is functionally connected to the communication unit and the biometric recognition unit, and presets biometric information recognition method to be used for the payment service, and registers biometric registration information and payment information for biometric information recognized according to a preset biometric information recognition method. Register with a service device, transmit biometric information and payment request information recognized according to the preset biometric information recognition method to the service device, and process user authentication and payment by the service device using the biometric information. When is completed, it may include a control unit for controlling to receive payment processing result information from the service device.

In a terminal device according to a preferred embodiment of the present invention, the control unit receives the first biometric information and the second biometric information recognized according to the predetermined biometric information recognition scheme by the biometric recognition unit, and receives the received first biometric information. Payment authentication information combining biometric information and second biometric information may be generated, and a payment request message including the generated payment authentication information and payment request information may be transmitted to the service device.

In the terminal device according to the preferred embodiment of the present invention, the controller is configured to read the first biometric information recognized by the biometric recognition unit according to the physical characteristics or habits of the user input according to the first biometric information recognition guide. The user authentication may be performed by receiving from the biometric unit and confirming whether the received first biometric information matches the pre-stored first biometric information.

In the terminal device according to the preferred embodiment of the present invention, when the user authentication is successful, the control unit performs a guide for recognizing a second biometric information and is input according to the guide for recognizing the second biometric information. 2 may receive biometric information from the biometric unit, and transmit a payment request message including the received second biometric information and payment request information to the service device.

In a terminal device according to a preferred embodiment of the present invention, the biometric unit comprises: at least one sensor for recognizing the first biometric information; And a recognition device recognizing the second biometric information.

According to an aspect of the present invention, there is provided a service apparatus including: a communication unit configured to transmit and receive data for a payment service using biometric information in association with one or more terminal devices through a communication network; And register and receive biometric registration information and payment information for biometric information recognized according to a biometric information recognition method to be used for the payment service from the terminal device in advance, and pre-register the biometric information received when a payment request is received from the terminal device. The user authentication may be performed in comparison with the biometric registration information. If the user authentication is successful, the service provider may include a service providing unit configured to perform the requested payment process by using the registered payment information mapped to the biometric information.

In the service device according to the preferred embodiment of the present invention, the service providing unit, payment authentication information generated by combining the first biometric information and the second biometric information recognized according to the predetermined biometric information recognition method from the terminal device When receiving, the user authentication may be performed by comparing the received payment authentication information with the previously registered biometric registration information.

In the service device according to the preferred embodiment of the present invention, the service providing unit, if the first user authentication is successful using the first biometric information according to the physical characteristics or habits of the user in the terminal device, The second biometric information recognized according to the recognition method may be received from the terminal device, and the second user authentication may be performed by comparing the received second biometric information with the previously registered biometric registration information.

In the service device according to the preferred embodiment of the present invention, the service provider, if the second user authentication is successful, payment information and payment request mapped to the pre-registered biometric information corresponding to the second biometric information When the information is transmitted to a payment device connected through a communication network to request payment processing, and when the payment result information is received from the payment device according to the payment processing request, the received payment processing result information may be transmitted to the terminal device.

In the service device according to the preferred embodiment of the present invention, the service providing unit, upon receiving payment authentication information combining two or more biometric information recognized according to the predetermined biometric scheme from the terminal device, Comparing the previously registered biometric information corresponding to any one of the included biometric information to perform the first user authentication, if the user authentication is successful, payment for the second user authentication and payment approval using the other biometric information You can control to perform authentication.

According to an embodiment of the present invention, a payment system according to a preferred embodiment of the present invention sets a biometric information recognition method to be used for a payment service, and registers biometric information on biometric information recognized according to a preset biometric information recognition method. A terminal device registering information and payment information, recognizing biometric information according to the preset biometric information recognition method when requesting a payment, and requesting payment using the recognized biometric information; And interworking with the terminal device through a communication network, receiving and registering the biometric registration information and payment information from the terminal device in advance, and comparing the biometric information received when the payment request is received from the terminal device with previously registered biometric information. A service device for performing user authentication, and if the user authentication is successful, performing a requested payment process using the registered payment information mapped to the biometric information and transmitting payment process result information to the terminal device. can do.

In the payment method using the biometric information recognition in the terminal device according to an embodiment of the present invention for achieving the above object, the step of setting in advance the biometric information recognition method to be used for the payment service through the registration function of the payment application ; Generating biometric information as recognized biometric information according to a predetermined biometric information recognition scheme; Transmitting and registering the generated biometric registration information and payment information for the payment service to the service device; Recognizing biometric information input from a user according to the preset biometric information recognition method when a payment is requested from a user; Requesting payment processing from the service device using the recognized biometric information; And receiving, by the service device, payment processing result information from the service device when the user authentication and payment processing is completed using the biometric information.

In the payment method using the biometric information recognition in the terminal device according to an embodiment of the present invention, the step of recognizing the biometric information input from the user according to the predetermined biometric information recognition method when the payment request from the user, Receiving a payment request from a user, performing a guide for recognizing first biometric information; Recognizing first biometric information according to the physical characteristics or habits of the user; Confirming whether the recognized first biometric information matches the pre-stored first biometric information to perform user authentication; If the user authentication is successful, performing a guide for recognizing a second biometric information; And recognizing second biometric information for performing user authentication in the service device.

A payment method using biometric information recognition in a terminal device according to an embodiment of the present invention for achieving the above object comprises the steps of: providing a payment application for a payment service to one or more terminal devices through a communication network; Receiving biometric registration information and payment information on biometric information recognized according to a biometric method previously set through the payment application at the terminal device; Mapping and registering the biometric information and payment information in advance; Receiving biometric information and payment request information recognized according to the predetermined biometric scheme from the terminal device according to a user's payment request; Performing user authentication by comparing the biometric information received according to the user's payment request with pre-registered biometric information; If the user authentication succeeds, performing the requested payment process by using the payment information and the received payment request information registered and mapped to the received biometric information; And when the requested payment processing is completed, transmitting payment processing result information to the terminal device.

In the payment method using the biometric information recognition in the terminal device according to an embodiment of the present invention, the step of performing the user authentication by comparing the received biometric information with previously registered biometric registration information, the recognition in the terminal device Receiving second biometric information recognized according to the preset biometric scheme from the terminal device when the first user authentication succeeds using the first biometric information; And comparing the received second biometric information with the previously registered biometric information to perform a second user authentication.

In the computer-readable recording medium of the present invention for achieving the above object, a program for executing a payment method using biometrics information is recorded.

The present invention recognizes biometric information to be used for a payment service according to a predetermined biometric information recognition method, performs user authentication using biometric information recognized during payment processing, and performs payment processing for a purchased product according to a user authentication result. It is possible to check whether the user more accurately, so that the security at the time of payment can be strengthened.

In addition, the present invention does not need to be issued the existing authentication information for user authentication as the user authentication through the biometric information, it is possible to perform the user authentication simply and accurately without the need to perform a complex authentication procedure, authentication It is effective in preventing information leakage and preventing illegal payment by others.

1 is a diagram showing the configuration of a payment system according to an embodiment of the present invention.

2 is a diagram illustrating a configuration of a terminal device in a payment system according to an embodiment of the present invention.

3 is a diagram illustrating a configuration of a service device in a payment system according to an embodiment of the present invention.

4 is a diagram illustrating a configuration of a payment device in a payment system according to an embodiment of the present invention.

5 is a diagram illustrating a payment method using biometric information recognition in a payment system according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, in the following description and the accompanying drawings, detailed descriptions of well-known functions or configurations that may obscure the subject matter of the present invention will be omitted. In addition, it should be noted that like elements are denoted by the same reference numerals as much as possible throughout the drawings.

The terms or words used in the specification and claims described below should not be construed as being limited to ordinary or dictionary meanings, and the inventors are appropriate as concepts of terms for explaining their own invention in the best way. It should be interpreted as meanings and concepts in accordance with the technical spirit of the present invention based on the principle that it can be defined. Therefore, the embodiments described in the present specification and the configuration shown in the drawings are only the most preferred embodiments of the present invention, and do not represent all of the technical ideas of the present invention, and various alternatives may be substituted at the time of the present application. It should be understood that there may be equivalents and variations.

First, a broadcast service system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram showing the configuration of a payment system according to an embodiment of the present invention.

Referring to FIG. 1, the payment system may include a terminal device 100, a service device 200, and a payment device 300 connected through a communication network 10.

The terminal device 100 refers to a terminal capable of transmitting and receiving various data via the communication network 10 according to a user's key manipulation, and may be a tablet PC, a laptop, or a personal computer. ), A smart phone, a personal digital assistant (PDA), a smart TV, and a mobile communication terminal (Mobile Communication Terminal).

In addition, the terminal device 100 is a terminal for performing voice or data communication using the communication network 10, and stores a browser, a program, and a protocol for communicating with the service device 200 via the communication network 10. It refers to a terminal having a microprocessor for operating and controlling various programs. That is, the terminal device 100 can perform server-client communication with the service device 200, any terminal can execute a broadcast service, and all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA can be used. It is a broad concept to include. On the other hand, the terminal device 100 is preferably manufactured in the form having a touch screen, but is not necessarily limited thereto.

In particular, the terminal device 100 according to an embodiment of the present invention may transmit and receive data for a payment service using biometric information by interworking with the service device 200 through the communication network 10, and from the service device 200. The payment application may be provided to execute a payment service.

In addition, the terminal device 100 according to an embodiment of the present invention pre-sets the biometric information recognition method to be used for the payment service through the registration function of the payment application, and the biometric to the biometric information recognized according to the preset biometric information recognition method. The registration information and the payment information may be registered in the service device, and when the payment request is made, the payment may be requested to the service device 200 by using the biometric information recognized according to the biometric information recognition scheme. The terminal device 100 according to an embodiment of the present invention receives the payment processing result information from the service device 200 when the user authentication and payment processing is completed using the biometric information by the service device 200, and executes the execution screen. Can be output to

The service device 200 may transmit and receive data for a payment service using biometric information through interworking with one or more terminal devices 100 through the communication network 10, and provide a payment application to the terminal device 100.

In addition, the service device 200 receives the biometric registration information and the payment information for the biometric information recognized according to the biometric information recognition method to be used for the payment service in the terminal device 100 and registers it in advance, and pays from the terminal device 100. User authentication may be performed by comparing the biometric information received upon request with previously registered biometric information. If the user authentication is successful, the service device 200 may perform the requested payment process by using the payment information registered and the payment request information received when the payment request is mapped to the biometric information. In this case, the service device 200 may directly perform a payment process without interworking with the payment device 300, or may request a payment process from the payment device 300 when interworking with the payment device 300.

The payment device 300 may be a payment server of a service provider for processing actual payment authentication and approval, and the payment requested using the payment request information included in the payment request message received according to the request of the service device 200. Can be processed.

The terminal device 100, the service device 200, and the payment device 300 are interlocked through the communication network 10, and the communication network 10 is connected to various wired and wireless communication such as an internet network, an intranet network, a mobile communication network, and a satellite communication network. It refers to a network that can send and receive data via Internet protocol using technology. In addition, the communication network 10 is combined with the service apparatus 200 and the payment apparatus 300 to store computing resources such as hardware and software. Such a communication network 10 is not only an open network such as a local area network (LAN), a wide area network (WAN), an open network such as the Internet, but also code division multiple access (CDMA) and wideband code division (WCDMA). It is a concept that collectively refers to networks such as Multiple Access (GSM), Global System for Mobile Communications (GSM), Long Term Evolution (LTE), and Evolved Packet Core (EPC), as well as next-generation networks and computing networks to be implemented.

The configuration of a terminal device according to embodiments of the present invention in a payment system configured as described above will be described in detail with reference to the accompanying drawings.

2 is a diagram illustrating a configuration of a terminal device in a payment system according to embodiments of the present invention.

2, the terminal device 100 includes a control unit 110, an input unit 120, a communication unit 130, a storage unit 140, an output unit 150, and a biometric unit 160. Can be configured.

The controller 110 performs overall control of the terminal device 100, and in particular, controls for payment service using biometric information recognition, and is functionally connected to the communication unit 130, from the service device 200. You can install and run payment application. To this end, the controller 110 may include a biometric information recognition module 111 and a payment support module 112.

When the payment application is executed, the biometric information recognition module 111 may preset the biometric information recognition method to be used for the payment service through a registration function of the payment application. In particular, the biometric information recognition module 111 may set a user's physical characteristics, habits, and the like in a biometric information recognition method. For example, the biometric information recognition module 111 may preset the biometric information recognition method to recognize the user's pulse as the first biometric information and to recognize the user's fingerprint as the second biometric information.

In addition, the biometric information recognition module 111 may transmit biometric registration information and payment information about the biometric information recognized according to a preset biometric information recognition method to the service device 200 and pre-register it for use in a payment service. have. In this case, the biometric information recognition module 111 may be, for example, somewhat inaccurate, flexible biometric information, or biometric information set by the user. The first biometric registration information, which is set to perform user authentication in the terminal device 100, is stored in advance in the storage 140 to be used in a payment service. In addition, the biometric information recognition module 111 may set, for example, the second biometric information, which is set by setting biometric information such as a fingerprint, an iris, and a palm related to a user's unique body feature as the second biometric information, to the service device 200. It can be registered in advance to the service device 200 by transmitting to.

In addition, when the biometric information recognition module 111 receives a payment request from the user, the biometric information recognition module 111 controls to output a guide message for recognizing biometric information according to a preset biometric information recognition method, and outputs the biometric information input according to the guide message. Received from the 160, and transmits the received biometric information to the payment support module 200. For example, the biometric information recognition module 111 receives the first biometric information and the second biometric information recognized according to the biometric information recognition scheme preset in the biometric recognition unit 160, and receives the received first biometric information and the first biometric information. 2 may generate payment authentication information combining biometric information, and transmit the generated payment authentication information to the payment support module 112 to include the payment request information in the payment request message and transmit the payment authentication information to the service device 200. In this case, the service device 200 may perform payment processing when both the first biometric information and the second biometric information match the registered information.

As another example, when the biometric information recognition module 111 receives a payment request from the user, the biometric information recognition module 111 controls to output the guide message for recognizing the first biometric information through the output unit 150 and, according to the guidance, the biometric recognition unit 160. Recognizing the first biometric information according to the physical characteristics or habits of the user input to the may transmit the recognized first biometric information to the payment support module 112. In addition, if the user authentication using the first biometric information is successful in the payment support module 112, the biometric information recognition module 111 outputs a guide message for guiding the recognition of the second biometric information through the output unit 150. The second biometric information input to the biometric recognition unit 160 may be recognized according to a guide for recognizing the second biometric information, and the recognized second biometric information may be transmitted to the payment support module 112.

When the payment support module 112 executes a payment application and receives a payment request from the user, the payment support module 112 receives the biometric information transmitted from the biometric information recognition module 111 and the payment request information generated according to the user payment request (for example, product information). , Payment information including purchase information, user information, identification information for payment request, additional payment authentication information, etc.) may be transmitted to the service device 200 to request payment for the purchased product. For example, the payment support module 112 may transmit authentication information combining the first biometric information and the second biometric information as biometric information when a payment request is made. As another example, the payment support module 112 performs a first user authentication by comparing the transmitted first biometric information with previously stored first biometric information, and if the authentication succeeds, the payment support module 112 determines whether the authentication succeeds. 111, the second biometric information recognized according to the authentication success may be included in the payment request message and transmitted to the service device 200.

When the user authentication and payment processing are completed using the biometric information by the service device 200, the payment support module 112 receives the payment processing result information from the service device 200 and outputs the result through the output unit 150. Can be controlled.

The input unit 120 may generate a user input signal corresponding to a user's request or information according to a user's operation, and may be implemented as various input means that are currently commercialized or may be commercialized in the future. For example, a keyboard and a mouse In addition to a general input device such as a joystick, a touch screen, a touch pad, and the like, a gesture input means for detecting a user's motion and generating a specific input signal may be included. The input unit 120 may generate an input signal according to input information related to execution of a payment application and a payment service.

The communication unit 130 communicates with the service apparatus 200 through the communication network 10 to transmit and receive messages for a payment service. The communication unit 130 may transmit and receive data through various communication methods as well as wired and wireless methods. In addition, the communication unit 130 may transmit and receive data using one or more communication methods, and for this purpose, the communication unit 130 may include a plurality of communication modules that transmit and receive data according to different communication methods. In particular, the communication unit 130 transmits a registration request message including biometric registration information and payment information for a payment service to the service device 200, and recognizes biometric information (or authentication information) and payment according to a user's payment request. The payment request message including the request information may be transmitted to the service device 200. In addition, the communication unit 130 may receive a payment processing result message including payment processing result information from the service device 200.

The storage 140 stores information necessary for the operation of the terminal device 100, and in particular, may store information related to a payment application and payment service related information provided from the service device 200. The storage unit 140 may store biometric information (first biometric information and second biometric information) recognized by the biometric recognition unit 160, payment information, payment request information, and payment processing result information. The storage unit 140 may include an optical media such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.

In addition, the storage 140 stores an application program required for operating a function according to embodiments of the present invention and a screen image to be output on a display unit of the output unit 150. The storage unit 140 may store a key map or a menu map for operating the touch screen when the display unit is configured as the touch screen. Here, the key map and the menu map may be in various forms. The storage unit 140 may store an operating system (OS) for booting the terminal device 100 and operating the above-described components, and an application program for supporting various user functions.

The output unit 150 is a means for providing the user to recognize the operation result or state of the terminal device 100, and includes, for example, a display unit for visually outputting through a screen, a speaker for outputting an audible sound, and the like. can do. In particular, the output unit 150 according to an embodiment of the present invention may display a screen related to a payment service driven by the terminal device 100, that is, an execution screen of a payment application under the control of the controller 110, and the user. The authentication result, payment information, payment processing result information, and the like may be output on the execution screen. In addition, the output unit 150 may output a guide message for biometric information recognition under the control of the controller 110.

The biometric unit 160 may include one or more sensors for biometrics (vibration sensor, pressure sensor, gyro sensor, odor sensor, acceleration sensor, illuminance sensor, etc.), camera, fingerprint reader (or fingerprint recognition application), iris, voice, It may include a device (or an application, a program) for recognizing a face or the like.

In addition, the biometric unit 160 recognizes the biometric information input from the user under the control of the controller 110 and transmits the recognized biometric information to the controller 110. For example, the biometric unit 160 recognizes a pulse for a preset time using a vibration sensor or the like as a first biometric information recognition method, and transfers the recognized information as the first biometric information to the controller 110. The fingerprint may be recognized using a fingerprint reader as a second biometric information recognition method, and the recognized fingerprint may be transferred to the controller 110 as the second biometric information.

Next, the configuration of a service apparatus according to embodiments of the present invention in a payment system will be described in detail with reference to the accompanying drawings.

3 is a diagram illustrating a configuration of a service device in a payment system according to an embodiment of the present invention.

Referring to FIG. 3, the service device 200 may include a communication unit 210, a service providing unit 220, and a storage unit 230.

The communication unit 210 according to an embodiment of the present invention may communicate with the terminal device 100 and the payment device 300 through the communication network 10 to transmit and receive messages for a payment service. The communication unit 210 may transmit and receive messages through various communication methods as well as wired and wireless methods, and may communicate with the mobile terminal device 200 through a mobile communication network in a wireless manner. In addition, the communication unit 210 may transmit and receive data using one or more communication methods, and for this purpose, the communication unit 210 may include a plurality of communication modules that transmit and receive data according to different communication methods. In particular, the communication unit 210 receives a registration request message including biometric registration information and payment information for a payment service from the terminal device 100, and recognizes biometric information (or authentication information) and payment according to a user's payment request. The payment request message including the request information may be received from the terminal device 200. The communication unit 210 may transmit a program and information related to a payment application to the terminal device 200, and transmit a payment processing result message including payment processing result information.

The service provider 220 receives the biometric registration information and the payment information for the biometric information recognized according to the biometric information recognition method to be used for the payment service from the terminal device 100 and registers it in advance, and requests a payment from the terminal device 100. When the received biometric information is compared with previously registered biometric information, user authentication may be performed. For example, when the service provider 220 receives the payment authentication information generated by combining the first biometric information and the second biometric information recognized according to a biometric information recognition scheme set in advance, The registered biometric registration information corresponding to the payment authentication information may be read, and the user authentication may be performed by comparing the read registered biometric information with the received payment authentication information. In this case, the service provider 220 may be used, for example, for user authentication to authenticate that one of the received biometric information is the user, and the other may be used for an authentication procedure for payment approval. For example, when the first biometric information is pulse information, the service provider 220 checks whether the user is using the registered pulse information, and if the user is the user, performs a payment process and upon payment approval. 2 Biometric information (fingerprint information) can be used. To this end, the service provider 220 may, for example, perform user authentication once more using the second biometric information (fingerprint information), and transmit the second biometric information (fingerprint information) to the payment device 300. To approve payment. Accordingly, the payment device 300 checks whether the received second biometric information matches the pre-registered information (fingerprint information), and if it matches, notifies the payment authentication success and may process the payment approval. This payment authentication and approval procedure may be directly performed by the service device 200.

As another example, if the first user authentication succeeds using the first biometric information according to the physical characteristics or habits of the user in the terminal device 200, the service provider 220 recognizes the second recognized biometric according to a preset biometric scheme. The biometric information may be received from the terminal device 100, and the second user authentication may be performed by comparing the received biometric information with previously registered biometric information. If the user authentication is successful, the service provider 220 performs payment processing using previously registered payment information corresponding to the payment request information and the second biometric information.

In addition, if the user authentication is successful, the service provider 220 may perform the requested payment process by using the registered payment information mapped to the biometric information. Here, the service provider 220 checks the registered payment information (for example, card information, real account information, virtual account information, mileage information, etc.), and checks the payment request information to check the amount of the purchased goods and products. Check and pay as much as that amount in the payment information. In this case, the service provider 220 may perform payment authentication through payment authentication information such as an OTP, an accredited certificate, and a password, and may confirm clearly that the user is using biometric information, thereby approving payment with the payment device 300. You can also perform direct payment processing and payment authorization without performing the procedure. In addition, the service provider 220 may perform a payment process by simply authenticating the user's identity using biometric information without performing a complicated payment authentication procedure.

In addition, the service provider 220 performs user authentication in the service device 200 and interworks with the payment device 300 for the actual payment approval and payment authentication after payment processing according to the payment request information. 300 can be sent. Accordingly, when the service provider 220 receives the payment processing result information of the payment processing from the payment device 300, the service provider 220 may transmit the received payment processing result information to the terminal device 100.

The storage unit 230 stores related information in order to provide a payment service. In detail, the storage unit 230 may store pre-registered payment information and biometric registration information, and may store information related to a payment service. The storage unit 230 may include an optical media such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.

Next, the configuration of a payment device according to an embodiment of the present invention in a payment system will be described in detail with reference to the accompanying drawings.

4 is a diagram illustrating a configuration of a payment device in a payment system according to an embodiment of the present invention.

Referring to FIG. 3, the payment device 300 may include a communication unit 310, a payment processing unit 320, and a storage unit 330, and does not directly perform payment processing in the service device 200. When a payment processing request is made, payment processing may be performed in cooperation with the service device 200. If the service device 200 performs a substantial payment process, the payment device 300 may simply perform an approval process for the payment. Hereinafter, an embodiment of the present invention will be described to perform the payment processing when the payment processing request from the service device 200.

The communication unit 310 according to an embodiment of the present invention may communicate with the service apparatus 200 through the communication network 10 to transmit and receive messages for a payment service. The communication unit 310 may transmit and receive a message through various communication methods as well as a wired method and a wireless method, and may communicate with the mobile terminal device 200 through a mobile communication network in a wireless manner. In addition, the communication unit 310 may transmit and receive data using one or more communication methods, and for this purpose, the communication unit 310 may include a plurality of communication modules which transmit and receive data according to different communication methods. In particular, the communication unit 310 may receive a payment processing request message from the service device 200 and transmit a payment processing result message to the service device 200.

When the payment processing unit 320 receives the payment request message from the service device 200, the payment request information included in the payment request message (payment information registered in the service device 200, user authentication information, user identification information, and terminal device). Register payment information (card information, real account information, virtual account information, mileage information, gift certificate information, etc.) registered in the service device 200 included in the payment request information by checking the payment request information received from the The payment verification is performed in comparison with the payment information, and if the payment verification is successful, payment for the purchased product is approved. Accordingly, the payment processing unit 320 may transmit a payment processing result message including the payment processing result information according to the payment processing to the service device 200.

The storage unit 330 stores related information in order to provide a payment service. In detail, the storage unit 330 may store pre-registered payment information and user information, and may store information related to a payment service. The storage unit 330 may include an optical media such as a magnetic media such as a hard disk, a floppy disk, and a magnetic tape, a compact disk read only memory (CD-ROM), and a digital video disk (DVD). And magneto-optical media such as floppy disks and ROM, random access memory (RAM), and flash memory.

Next, a payment method using biometric information recognition in the payment system configured as described above will be described in detail with reference to the accompanying drawings.

5 is a diagram illustrating a payment method using biometric information recognition in a payment system according to an embodiment of the present invention.

Referring to FIG. 5, in operation 1101, the terminal device 100 receives and installs and stores a payment application from the service device 200, and executes the payment application according to a user's request in step 1102. In step 1102, the terminal device 100 presets a biometric information recognition method to be used for the payment service. In particular, the terminal device 100 sets the first biometric information recognition scheme to recognize the pulse as the first biometric information, for example, to use one or more biometric information for user authentication and payment authentication for payment. As the biometric information, a second biometric information recognition scheme is set to recognize a fingerprint.

Then, in step 1103, the terminal device 100 transmits a registration request message to the service device 200 to register information to be used for a payment service. To this end, the terminal device 100 recognizes the biometric information by the set biometric information recognition method, and generates a registration request message including payment information including the recognized biometric information and information such as payment means to be used for a payment service. Here, the registration request message may include biometric information and payment information (user identification information, payment means information, etc.). Accordingly, in operation 1104, the service device 200 receives the registration request message, registers the biometric information and the payment information included in the received registration request message.

Thereafter, when a user purchases a product and makes a payment request through a payment application, the terminal device 100 outputs a biometric information prompt message according to a preset biometric information recognition method in step 1105, and recognizes the preset biometric information. Recognize biometric information according to the method.

Then, in step 1106, the terminal device 100 transmits a payment request message including payment request information including the recognized biometric information and information related to the purchased product, to the service device 200. In this case, when the terminal device 100 is configured to recognize, for example, the first biometric information that is pulse information and the second biometric information that is fingerprint information, the terminal device 100 compares the recognized first biometric information with previously stored first biometric information. If it matches, and if it matches, it is determined that the first user authentication is successful, and the recognized second biometric information may be included in the payment request message and transmitted. As another example, the payment authentication information generated by generating payment authentication information combining the first biometric information and the second biometric information may be included in the payment request message and transmitted.

Accordingly, in operation 1107, the service device 200 reads pre-registered biometric information corresponding to the biometric information included in the payment request message, and compares the read biometric information with the received biometric information to perform user authentication. . In operation 1108, the service device 200 checks whether the user authentication succeeds. If the authentication is successful, the service device 200 performs step 1111. If the user authentication fails, the service device 200 transmits an authentication failure message to the terminal device 100 in step 1109. do. Then, in step 1110, the terminal device 100 may output an authentication failure message, recognize the biometric information again, and repeat the process after step 1106. For example, when the service device 200 receives the second biometric information, the second user authentication may be performed by comparing the biometric registration information corresponding to the second biometric information. As another example, when receiving the payment authentication information combining the first and second biometric information, the service device 200 reads the registered biometric information corresponding to the first biometric information to perform user authentication, and the second When the payment is approved using the biometric information, payment authentication may be performed. To this end, the service device 200 may include the second biometric information in the payment request message transmitted in operation 1111, which will be described later, or include the authentication information according to the payment authentication on the second biometric information.

On the other hand, in step 1111, if the user authentication is successful, the service device 200 directly performs payment processing using previously registered payment information corresponding to the payment request information and the biometric information, or sends the payment request message to the payment device 300. To send.

Accordingly, when the payment request message is transmitted to the payment device 300, the payment device 300 performs a payment authentication and approval process according to the payment processing request of the service device 200 in step 1112, and the payment processing in step 1113. The payment processing result message including the result information is transmitted to the service device 200.

When the payment process is completed, the service device 200 transmits payment processing result information to the terminal device 100 in step 1114. Accordingly, in step 1115, the terminal device 100 outputs the received payment processing result information.

Meanwhile, the program instructions to be recorded may be those specially designed and constructed for the present invention, or may be known and available to those skilled in computer software. For example, the recording medium may be magnetic media such as hard disks, floppy disks and magnetic tapes, optical disks such as Compact Disk Read Only Memory (CD-ROM), digital video disks (DVD), Magnetic-Optical Media, such as floppy disks, and hardware devices specially configured to store and execute program instructions, such as ROM, random access memory (RAM), flash memory, and the like. do. Examples of program instructions may include high-level language code that can be executed by a computer using an interpreter as well as machine code such as produced by a compiler. Such hardware devices may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

Furthermore, a computer program (also known as a program, software, software application, script or code) mounted on an apparatus according to the invention and executing a method according to the invention comprises a compiled or interpreted language or a priori or procedural language. It can be written in any form of programming language, and can be deployed in any form, including stand-alone programs or modules, components, subroutines, or other units suitable for use in a computer environment. Computer programs do not necessarily correspond to files in the file system. A program may be in a single file provided to the requested program, in multiple interactive files (eg, a file that stores one or more modules, subprograms, or parts of code), or part of a file that holds other programs or data. (Eg, one or more scripts stored in a markup language document). The computer program may be deployed to run on a single computer or on multiple computers located at one site or distributed across multiple sites and interconnected by a communication network.

On the other hand, the embodiments of the present invention disclosed in the specification and drawings are merely presented specific examples for clarity and are not intended to limit the scope of the present invention. It is apparent to those skilled in the art that other modifications based on the technical idea of the present invention can be carried out in addition to the embodiments disclosed herein.

In addition, although the specification includes numerous specific implementation details, these should not be construed as limited to any invention or scope of the claims, but rather to features that may be specific to a particular embodiment of a particular invention. It should be understood as an explanation. Certain features that are described in this specification in the context of separate embodiments may be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments individually or in any suitable subcombination. Furthermore, while the features may operate in a particular combination and may be initially depicted as so claimed, one or more features from the claimed combination may in some cases be excluded from the combination, the claimed combination being a subcombination Or a combination of subcombinations.

Likewise, although the operations are depicted in the drawings in a specific order, it should not be understood that such operations must be performed in the specific order or sequential order shown in order to obtain desirable results or that all illustrated operations must be performed. Moreover, the separation of the various system components of the above-described embodiments should not be understood as requiring such separation in all embodiments, and the described program components and systems will generally be integrated together into a single software product or packaged into multiple software products. It should be understood that it can.

The present invention relates to a payment method using biometrics information, an apparatus and a system therefor, which recognizes biometric information to be used for a payment service according to a predetermined biometric information recognition method, and authenticates a user using biometric information recognized at a payment process. And payment can be processed for the purchased product according to the user authentication result, so that the user can be identified more accurately, and the security at the time of payment can be strengthened.

In addition, the present invention does not need to be issued the existing authentication information for user authentication as the user authentication through the biometric information, it is possible to perform the user authentication simply and accurately without the need to perform a complex authentication procedure, authentication It is effective in preventing information leakage and preventing illegal payment by others.

In addition, the present invention has industrial applicability because the present invention is not only sufficiently commercially available or commercially viable, but also practically clearly implemented.

Claims (14)

A communication unit which transmits / receives data for payment service using biometric information in association with a service device through a communication network; A biometric unit recognizing biometric information for use in a payment service; And Functionally connected with the communication unit and the biometric unit, the biometric information recognition method to be used for the payment service is preset, and the biometric registration information and the payment information for the biometric information recognized according to a preset biometric information recognition method. Register with the device, and transmit the biometric information and payment request information recognized according to the preset biometric information recognition method to the service device, and the user authentication and payment processing are performed by the service device using the biometric information. A controller which controls to receive payment processing result information from the service device when it is completed; Includes, the control unit The biometric unit receives the first biometric information and the second biometric information recognized according to the preset biometric information recognition scheme, generates payment authentication information combining the received first biometric information and the second biometric information, and generates the generated biometric information. And a payment request message including the received payment authentication information and payment request information to the service device. The method of claim 1, wherein the control unit, Receiving first biometric information recognized by the biometric recognition unit from the biometric recognition unit according to a physical feature or habit of the user input according to a first biometric information recognition guide, and storing the received first biometric information in advance; 1. The terminal device, characterized in that the user authentication is performed by checking whether the biometric registration information matches. The method of claim 2, wherein the control unit, If the user authentication is successful, a guide for recognizing the second biometric information is performed, the second biometric information received according to the guide for the second biometric information recognition is received from the biometric recognition unit, and the received second biometric information is received. And a payment request message including information and payment request information to the service device. The method of claim 1, wherein the biometric unit, One or more sensors recognizing the first biometric information; And A fingerprint reader recognizing the second biometric information; Terminal device comprising a. A communication unit which transmits / receives data for payment service using biometric information by interworking with one or more terminal devices through a communication network; And Receives and registers biometric registration information and payment information for biometric information recognized according to a preset biometric information recognition method to be used for the payment service from the terminal device, and pre-registers the biometric information received when a payment request is made from the terminal device. A service provider which performs user authentication by comparing the registered biometric registration information and, when the user authentication succeeds, the requested payment process using the registered payment information mapped to the biometric information; Includes, the service provider When receiving the payment authentication information generated by combining the first biometric information and the second biometric information recognized according to the predetermined biometric information recognition scheme from the terminal device, the received payment authentication information and the registered biometric registration information; And comparing and performing user authentication. The method of claim 5, wherein the service provider, If the first user authentication succeeds using the first biometric information according to the physical characteristics or habits of the user in the terminal device, the second biometric information recognized according to the preset biometric scheme is received from the terminal device, And receiving second biometric information and the previously registered biometric information to perform second user authentication. The method of claim 6, wherein the service providing unit, When the second user authentication is successful, the payment information and the payment request information mapped to the registered biometric information corresponding to the second biometric information are transmitted to a payment device connected through a communication network to request payment processing. And receiving the payment result information based on the payment processing request from the payment device, and transmitting the received payment processing result information to the terminal device. The method of claim 7, wherein the service providing unit, When receiving payment authentication information combining two or more biometric information recognized according to the preset biometric scheme, the terminal device compares previously registered biometric registration information corresponding to any one of the biometric information included in the payment authentication information. Performing first user authentication, and if the user authentication succeeds, controlling to perform second user authentication and payment authentication for payment approval using the other biometric information. Pre-set the biometric information recognition method to be used for the payment service, register the biometric registration information and the payment information for the biometric information recognized according to the preset biometric information recognition method, and request the biometric information according to the preset biometric information recognition method upon request for payment. A terminal device recognizing the information and requesting payment using the recognized biometric information; And By interworking with the terminal device through a communication network, the terminal device receives the biometric registration information and the payment information from the terminal device in advance and registers the biometric information received when the payment request from the terminal device is compared with previously registered biometric information. A service device for performing authentication, performing a requested payment process using the payment information registered and mapped to the biometric information if the user authentication succeeds, and transmitting the payment processing result information to the terminal device; Includes, the service device When receiving the payment authentication information generated by combining the first biometric information and the second biometric information recognized according to the predetermined biometric information recognition scheme from the terminal device, the received payment authentication information and the registered biometric registration information; A payment system, characterized in that to perform user authentication in comparison. Setting a biometric information recognition scheme to be used for a payment service through a registration function of a payment application; Generating biometric information as recognized biometric information according to a predetermined biometric information recognition scheme; Transmitting and registering the generated biometric registration information and payment information for the payment service to the service device; Recognizing biometric information input from a user according to the preset biometric information recognition method when a payment is requested from a user; Requesting payment processing from the service device using the recognized biometric information; And Receiving, by the service device, payment processing result information from the service device when user authentication and payment processing is completed using the biometric information; Including, and requesting the payment processing Receiving the first biometric information and the second biometric information recognized according to the preset biometric information recognition scheme, generating payment authentication information combining the received first biometric information and the second biometric information, and generating the generated payment authentication information and And a payment request message including payment request information to the service device. The method of claim 10, wherein recognizing the biometric information input from the user according to the preset biometric information recognition method when the payment is requested from the user. When receiving a payment request from the user, performing a guide for recognizing first biometric information; Recognizing first biometric information according to the physical characteristics or habits of the user; Confirming whether the recognized first biometric information matches the pre-stored first biometric information to perform user authentication; If the user authentication is successful, performing a guide for recognizing a second biometric information; And Recognizing second biometric information for performing user authentication in the service device; Payment method using biometric information recognition in the terminal device comprising a. Providing a payment application for a payment service to one or more terminal devices through a communication network; Receiving biometric registration information and payment information on biometric information recognized according to a biometric method previously set through the payment application at the terminal device; Mapping and registering the biometric information and payment information in advance; Receiving biometric information and payment request information recognized according to the predetermined biometric scheme from the terminal device according to a user's payment request; Performing user authentication by comparing the biometric information received according to the user's payment request with previously registered biometric information; If the user authentication succeeds, performing the requested payment process by using the payment information and the received payment request information registered and mapped to the received biometric information; And Transmitting the payment processing result information to the terminal device when the requested payment processing is completed; Includes, and performing the user authentication When receiving the payment authentication information generated by combining the first biometric information and the second biometric information recognized according to the predetermined biometric information recognition scheme from the terminal device, the received payment authentication information and the registered biometric registration information; And a method of payment using biometric information recognition in a service device, characterized in that to perform user authentication in comparison. The method of claim 12, wherein performing the user authentication comprises: Receiving second biometric information recognized according to the preset biometric scheme from the terminal apparatus when a first user authentication succeeds using the first biometric information recognized by the terminal apparatus; And Performing second user authentication by comparing the second biometric information with the previously registered biometric information; Payment method using biometric information recognition in the service device comprising a. A computer-readable recording medium in which a program for executing the payment method using the biometric information recognition according to any one of claims 10 to 13 is recorded.

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