KR20010098561A - Credit card settlement system and method for use report human being - Google Patents

Abstract

The present invention relates to a credit card payment system and method for performing user verification of a credit card using biometric information without having to register biometric information of a card user when issuing a card. The present invention receives credit card information, payment information and biometric information from a credit card merchant terminal connected through a network, and transmits a payment approval signal to a credit card merchant terminal if the received biometric information is the same as previously registered biometric information. When the received biometric information is not the same as the biometric information registered in advance, a payment approval signal or a payment rejection signal is selectively transmitted to the credit card merchant terminal according to the identification of the credit card user. Provides a credit card payment authorization system and method characterized in that the biometric information of the credit card user is input when the credit card payment authorization request through the card merchant terminal, the credit card user is a user whose identity is confirmed by the credit card information. .

Description

CREDIT CARD SETTLEMENT SYSTEM AND METHOD FOR USE REPORT HUMAN BEING}

The present invention relates to a credit card payment system and method using biometric information, and more particularly, to conveniently perform user verification of a credit card using biometric information without having to register biometric information of a card user when issuing a card. The present invention relates to a credit card payment system and a method thereof.

With the development of information and communication technology, users who have paid cash to purchase goods or use services are gradually using credit cards.

In general, a credit card (magnetic tape) is configured on the back of a credit card for user authentication. The magnetic tape records credit card information such as a credit card issue number, an expiration date, and a credit card password.

In addition, the credit card has a handwritten signature description column for writing the handwritten signature of the credit card holder on the back side.

A user using a credit card having the above-described configuration performs user authentication and identity verification through the signature of the credit card information and the handwritten signature column recorded on the magnetic tape.

A credit card payment operation according to the prior art will be described with reference to the accompanying drawings.

1 is a block diagram of a credit card payment system according to the prior art.

Referring to Figure 1, the credit card payment system according to the prior art credit card input unit 102 for scanning the credit card information stored in the credit card 100, data processing unit 104 for processing the information contained in the credit card 100 ), Wired and wireless network data processing unit 106 for transmitting and processing the data processed by the data processing unit 104 in the short or long distance, wired and wireless data transmission and reception unit 108 for transmitting and receiving data output through the wired and wireless network data processing, data Credit information processing unit 112 and credit information data display unit for processing the transmission and reception of the wired or wireless network 110, the data transmitted through the wired and wireless network 110 as a payment rejection or payment approval based on the information stored in the credit information server It consists of 114.

Here, the data processing unit 104, wired and wireless network data processing unit 106 and wired and wireless data transmission and reception unit 108 is the inside of the terminal of the affiliated company subscribed to the credit card company (not shown) that issued the credit card 100 Component.

The operation of the credit card payment system according to the prior art having the above configuration is as follows.

When a certain user purchases an item using the credit card 100, the credit card input unit 102 scans the magnetic data recorded on the magnetic tape of the credit card 100 to be inserted or contacted, and then the data processing unit 104. )

The data processing unit 104 extracts credit card information such as a credit card number, an expiration date or a password from the magnetic data, transforms a payment request signal into a preset data format together with the extracted credit card information, and installs the wired / wireless network data processing unit ( Output to 106).

The wired / wireless network data processing unit 106 converts the credit card information and the payment request signal input from the data processing unit 104 into a short-range or long-distance transmission format and outputs it to the wired / wireless data transmission / reception unit 108.

The wired / wireless data transmission / reception unit 108 transmits the credit card information and the payment request signal input from the wired / wireless network data processing unit 106 to the wired / wireless network 110, and the wired / wireless network 110 relays the credit card information and the payment request signal. To the credit information processing unit 112.

The credit information processing unit 112 checks the credit card information transmitted through the wired / wireless network 110 based on the pre-stored credit card information, and determines whether the user has a disqualification of use. Output to the wired and wireless data transmission and reception unit 108 through 110.

That is, the credit information processing unit 112 compares the previously stored credit card information with the credit card information transmitted through the wired / wireless network 110 according to the credit card payment request, and confirms only the user's disqualification for using the credit card. do.

Here, the credit card information stored in the credit information processing unit 112 includes personal identification information, credit card information, and credit card usage history information of the credit card owner. At this time, the credit card information includes a credit card number, expiration date or password.

The conventional credit card payment system configured as described above confirms the identity of the credit card user by comparing the handwritten signature of the credit card user with the handwritten signature described on the back of the credit card after payment approval.

However, the identity verification process must be performed by the above handwritten signature, but since it is generally omitted, it is difficult to verify the identity of the credit card user, so that the damage caused by the illegal owner of the credit card is serious.

In addition, when performing a credit card owner verification based on the handwritten signature on the back of the credit card, the credit card owner must be careful not to damage the handwritten signature on the back of the credit card, as well as the handwritten signature on the back of the credit card. In some cases, it may not be possible to verify your identity.

In order to solve the inconvenience caused by identity verification by handwritten signature, a technique for verifying identity verification of a credit card user using biometric information having unique characteristics for each individual has been proposed.

Here, the biometric information means characteristic information for distinguishing an individual, and biometric information currently used includes fingerprint information, iris information, dorsal vein information, voice information, and face recognition information.

Fingerprint information is the most commonly used biometric information, and is used in various forms in door locks, fingerprint recognition video phones, and fingerprint recognition mice.

The technology using the iris information is not miniaturized at present, but there is a device for determining the identity of the user through the process of extracting the image feature of the iris.

In addition, technology using the dorsal vein information is shown as a device for identifying the user's identity through the extraction process of image features by taking an infrared camera with a vein pattern.

The technology that uses voice information is a technology that generates the voice after receiving noise from the user's voice and is based on the pitch information of the voice according to the user's intonation and speaking habits. LPC (Linear Predictive Coding) and HMM (Hidden) Markov Models) and neural networks.

The technology using the face information receives the user's face screen, extracts the face part by using neural net, active cantow, mosaic, etc., and then uses the LFA (Local Feature Analysis) algorithm. It is a technology that uses information from creation and storage.

Such a method of verifying the identity of a credit card user using biometric information may include storing the biometric information of the user in a credit card in advance, and comparing the biometric information of the user, which is input when the credit card payment is requested, with the previously stored biometric information. The identity verification of the credit card user is performed.

On the other hand, when the credit card is issued, the credit card user's biometric information is received and stored in the credit information processing unit 112, and the biometric information input when the credit card payment approval request is compared with the biometric information stored when issuing the credit card. Perform cardholder identity verification.

However, since the above-described conventional technology requires a process of registering biometric information for identity verification of a credit card user when issuing a credit card, there is a problem in that a user's desire to issue a credit card is deteriorated due to the hassle of biometric information registration. .

In addition, the conventional technology of storing biometric information in the credit card and performing identity verification accordingly requires a huge credit card replacement cost since the existing credit card needs to be replaced with a new credit card.

In addition, in the related art, since complicated operations such as comparison between biometric information stored in a credit card and biometric information input from a user and corresponding authentication are performed at a terminal of a credit card affiliate, the price of the terminal of the credit card affiliate is increased. There is also a problem.

In addition, the prior art has to maintain and manage the biometric information of the user who does not have a credit card use history after receiving the credit card, there is also a problem that takes a lot of manpower and economic costs for information management.

Accordingly, the present invention has been made to solve the problems of the prior art, a credit card payment system using biometric information for receiving and registering biometric information for credit card user identification request when the credit card payment authorization request and its The purpose is to provide a method.

Another object of the present invention is to provide a credit card payment system and method using biometric information for performing payment approval or payment rejection by comparing registered biometric information with biometric information input when a credit card payment approval request is made.

It is still another object of the present invention to provide a credit card payment system and method using biometric information for verifying the user's identity through an identity verification request question for credit card information when a credit card is requested for the first payment.

1 is a block diagram of a credit card payment system according to the prior art.

Figure 2 is a schematic block diagram of a credit card payment system according to the present invention.

3 is a block diagram illustrating an internal configuration of FIG. 2.

4 is a flow chart for performing credit card payment authorization according to the present invention.

5 is a flow chart for performing user identity verification of a credit card payment system in accordance with the present invention.

<Description of the symbols for the main parts of the drawings>

300: credit card merchant terminal 310: information input unit

320: data processing unit 330: data storage unit

340: first wired and wireless data processor 350: first data transceiver

400: credit card payment server 410: second data transceiver

420: second wired and wireless data processing unit 430: credit information processing unit

500: database

In order to achieve the above object, the present invention receives credit card information, payment information and biometric information from a credit card merchant terminal connected through a network, and determines whether or not to use a credit card based on the received credit card information. If there is no reason, it is determined whether the received biometric information and the pre-registered biometric information are the same, and if they are not the same, the biometric information registration number is calculated by comparing the number of credit card users and the registered biometric information registered with the credit card information. If it is less than the number of users, the credit card user's identification request question is sent to the credit card merchant terminal, and the payment authorization signal or payment decline signal for the payment information is sent depending on the authenticity of the user's identification response signal to the identification request question. Send to credit card merchant terminal, register in advance The biometric information is biometric information of a credit card user, which is input when the credit card payment approval request is made through a credit card merchant terminal, and the credit card user is a user whose identity is confirmed by credit card information. Its features are in providing the method.

Here, the user confirmation request question is configured based on at least the personal information of the credit card user, and the biometric information includes at least one of fingerprint information, iris information, voice information, dorsal vein information, or face recognition information.

Another feature of the present invention is to transmit a payment approval signal to the credit card merchant terminal when the received biometric information is the same as the registered biometric information.

Another feature of the present invention is to receive an identity confirmation response signal corresponding to the identity request question from the credit card merchant terminal, if the received identity confirmation response signal is false transmits the payment rejection signal to the credit card merchant terminal, When the identification confirmation response signal is true, the payment approval signal is transmitted to the credit card merchant terminal.

Another feature of the present invention is to transmit a payment rejection signal to a credit card merchant terminal when the biometric information registration number reaches the number of credit card users.

In still another aspect of the present invention, in a credit card merchant terminal connected to a credit card payment approval system through a wired or wireless network, image biometric information, credit card information, payment information, and an identification response signal of a credit card user are received from a credit card user. A data processing unit which extracts the biometric information point from the input information input unit and the image biometric information, converts the extracted biometric information point, credit card information, payment information, and payment approval request signal into a preset data format, and outputs the preset data format. The identity of the credit card user from the credit card payment system received through the data transmission and reception unit and the data transmission and reception unit that transmits the converted biometric feature point, credit card information, payment information, and payment authorization request signal to the credit card payment system via the wired / wireless network. Ok It is to provide a credit card merchant terminal including a display unit for displaying a green question.

In still another aspect of the present invention, in a credit card payment approval system connected to a credit card merchant terminal through a wired or wireless network, the biometric information, credit card information, payment information, and payment authorization request of a credit card user are received from the credit card merchant terminal. And a data transmitting / receiving unit for transmitting a payment approval signal or a payment rejection signal to a credit card merchant terminal, and if the received biometric information and the pre-registered biometric information are the same, output a payment approval signal according to the payment information, and receive the received biometric information. Is not the same as the pre-registered biometric information, the number of credit card users corresponding to the credit card information is compared with the registered biometric information registration number, and if the registered biometric information registration number is less than the number of credit card users, Print out your identity verification question, and verify your identity Credit information that outputs a payment approval signal or payment decline signal for payment information according to the authenticity of the response to the question, and outputs a payment decline signal for payment information when the registered biometric registration number reaches the number of credit card users. The present invention provides a credit card payment approval system including a database for storing biometric information and credit card information of a credit card user whose user verification has been performed by a processing unit and a user confirmation request question.

Hereinafter, a credit card payment system and method using biometric information according to the present invention will be described in detail with reference to the accompanying drawings.

Figure 2 is a schematic block diagram of a credit card payment system according to the present invention, Figure 3 is a block diagram of the internal configuration of FIG.

2, the credit card payment system according to the present invention includes a credit card merchant terminal 300 and the credit card payment server 400.

The credit card affiliated store terminal 300 has a configuration for recognizing credit card information of the credit card 210 and recognizing fingerprint information of a credit card user.

In addition, the credit card merchant terminal 300 is connected to the credit card payment server 400 through a wired or wireless network, the wired network includes a public telephone switching network or the Internet, and the wireless network includes a wireless communication network through a wireless modem.

The credit card payment server 400 performs a selective payment approval according to the credit card information and fingerprint information transmitted from the credit card merchant terminal 300 through the wired or wireless network.

In addition, the credit card payment server 400 is a database 500 for storing the personal information and the credit card 210 usage history information and fingerprint information received from the credit card merchant terminal 300 when the credit card 210 is issued. It includes.

In addition, the credit card payment server 400 performs a selective payment authorization or payment rejection depending on whether the credit card 210 is disqualified by the credit card information received from the credit card merchant terminal 300, which is conventional Since the description is the same as the description, the detailed description is omitted. Here, the reason for disqualification of credit card use includes credit card delinquency, credit card user's credit status, and the like.

An internal configuration of a credit card payment system according to the present invention having the above configuration will be described with reference to FIG.

Referring to FIG. 3, the credit card merchant terminal 300 includes an information input unit 310, a data processor 320, a data storage unit 330, a first wired / wireless data processor 340, and a first data transceiver 350. And a display 360.

Herein, the information input unit 310 scans the credit card scanning unit 312 for scanning the credit card information recorded on the magnetic tape of the credit card 210 and the fingerprint information 212 of the user of the credit card 210. And a key input unit 316 for inputting payment information or an identification response signal according to the use of the fingerprint information scanning unit 314 and the credit card 210.

In addition, it is apparent that the credit card scanning unit 312 can scan a credit card storing credit card information in the form of an IC chip.

In this case, the credit card information includes the card number, expiration date and password of the credit card 210, and the payment information includes payment amount and payment form information such as lump sum or installment.

The data processor 320 receives the credit card information, the fingerprint information, and the payment information scanned by the information input unit 310, extracts the user information, and formats the extracted user information and the payment approval request signal to form a first wired / wireless data processor ( And output to 340.

The data storage unit 330 is configured to temporarily store the user information and the payment approval request signal input from the data processing unit 320 and output the temporarily stored information to the first wired / wireless data processing unit 340 through the data processing unit 320.

The first wired / wireless data processor 340 configures a data transmission format for short-range or long-distance transmission of user information and payment approval request signal input from the data processor 320 through the wired / wireless network.

The first data transmission / reception unit 350 is configured to transmit the data transmission format configured in the first wired / wireless data processing unit 340 to the credit card settlement server 400 through the wired / wireless network.

In addition, the credit card payment server 400 includes a second data transceiver 410, a second wired / wireless data processor 420, a credit information processor 430, and a database 500.

Here, the second data transceiver 410 is configured to receive the user information and payment approval signal transmitted through the wired / wireless network from the first data transceiver 350 and output to the second wire / wireless data processor 320. In this case, the user information includes credit card information, fingerprint information, and payment information.

The second wired / wireless data processing unit 420 converts the data format of the user information and the payment approval signal received through the second data transmission / reception unit 410 into a form capable of data processing in the credit card payment server 400, thereby providing credit information. It is configured to output to the processing unit 430.

The credit information processing unit 430 compares or registers the user information input through the second wired / wireless data processing unit 420 with the information stored in the database 500 so as to perform payment approval or payment rejection for the payment approval signal. It is composed.

The database 500 includes a credit card information database 502 and a credit card merchant terminal 300 for storing credit card 210 user's personal information, credit card information, and credit information according to the use history of the credit card 210. And a fingerprint information database 504 for storing fingerprint information sent from.

In this case, the credit card information database 502 may use personally identifiable information such as the name, social security number, and address of the credit card holder, credit card information such as credit card number, expiration date, password, and allowable number of people, and use of the credit card 210. Credit information such as details and payment history is stored.

The fingerprint information database 504 stores fingerprint information of a credit card user in the form of a fingerprint code.

The operation of the credit card payment system according to the present invention configured as described above is as follows.

First, when the user A (200) requests the payment for the use of the credit card 210, the credit card merchant (not shown) the credit card scanning unit 312 of the credit card merchant terminal 300 credit card ( 210).

The credit card scanning unit 312 scans the credit card information stored in the magnetic tape of the contacted credit card 210 and outputs it to the data processing unit 320.

At this time, payment information such as a payment price and a payment form is input through the key input unit 316 of the credit card merchant terminal 300 and output to the data processor 320.

In addition, the user A 200 inputs fingerprint information through the fingerprint information scanning unit 314 of the credit card merchant terminal 300, and the fingerprint information scanning unit 314 receives the fingerprint information of the scanned user A 200. The data is output to the data processor 320.

The data processor 320 extracts the credit card 210 number and password from the credit card information scanned by the credit card scanning unit 312, and setstles the payment amount and payment by the payment information input through the key input unit 316. Extract the form.

In addition, the data processor 320 extracts a feature point from a fingerprint scan image of the user A 200 input from the fingerprint information scan unit 314 using a known feature extraction algorithm, and extracts the extracted feature point by about 200 bytes. Consists of nucleus data.

The data processing unit 320 refers to the extracted credit card number, password, payment amount and payment form information and hexadecimal fingerprint information (hereinafter, credit card number, password, payment amount, payment form and fingerprint feature point information are referred to as user information). ) And the payment approval request signal are converted into a predetermined data format and output to the first wired / wireless data processing unit 340.

The first wired / wireless data processor 340 converts user information and payment approval request signal input from the data processor 320 into a wired / wireless data transmission format to transmit data through the wired / wireless network to the first data transceiver 350. Output

The first data transmission / reception unit 350 transmits the user information and the payment approval request signal input from the first wired / wireless data processing unit 340 to the credit card settlement server 400 through the wired / wireless network.

The second data transmission / reception unit 410 of the credit card payment server 400 receives user information and a payment approval request signal from the first data transmission / reception unit 350 through a wired / wireless network and outputs it to the second wired / wireless data processing unit 420. do.

The second wired / wireless data processor 420 converts the user information and the payment approval request signal input from the second data transceiver 410 into a form suitable for the credit information processor 430 and outputs the data to the credit information processor 430. .

The credit information processor 430 searches whether the fingerprint information of the user A 200 is registered in the fingerprint information database 504 in advance among the user information input from the second wired / wireless data processor 420.

Here, when the fingerprint information of the user A 200 is registered in the fingerprint information database 504, the credit information processing unit 430 authenticates the user A 200 as an authorized user for the credit card 210. The payment approval signal for the payment approval request signal is output to the second wired / wireless data processing unit 420.

The second wired / wireless data processing unit 420 outputs a payment approval signal to the second data transmission / reception unit 410, and the second data transmission / reception unit 410 transmits the payment approval signal to the credit card merchant terminal 300 through the wired / wireless network. send.

The first data transmission / reception unit 350 of the credit card merchant terminal 300 receives a payment approval signal from the credit card payment server 400 through a wired / wireless network and outputs it to the first wired / wireless data processing unit 340.

The first wired / wireless data processor 340 outputs the payment approval signal to the data processor 320, and the data processor 320 outputs the input payment approval signal to the display 360.

The display 360 displays a payment approval for the payment request using the credit card 210 of the user A 200 according to the payment approval signal. In this case, the user A 200 or the credit card affiliate (not shown) may check whether the payment has been approved according to the payment approval signal displayed through the display 360.

On the other hand, when the fingerprint information of the user A 200 is not registered in the fingerprint information database 504, the credit information processing unit 430 searches the credit card information database 502 and from the second wired or wireless data processing unit 420. The number of credit card users for the credit card information among the received user information is determined.

Subsequently, the credit information processing unit 430 compares the determined number of credit card user numbers with the number of fingerprint information registrations of the corresponding credit card stored in the fingerprint information database 504. Outputs

Here, the identity verification request question is personal identification information input when the credit card 210 is issued and information registered in advance to confirm whether the credit card 210 user is authorized to use the credit card 210.

For example, an identity verification question might include "What is your name?", "What is your current address?", "Are you old?" And question information.

The credit information processing unit 430 transmits the identity verification request question to the credit card merchant terminal 300 through a sequential signal flow of the second wired / wireless data processing unit 420 and the second data transmitting / receiving unit 410, and the user verification request. The question is displayed through the display unit 360 of the credit card merchant terminal 300.

The user A 200 inputs, through the key input unit 316, an identification confirmation signal of the user for the identification confirmation request question displayed on the display 360.

The credit card merchant terminal 300 transmits the identification response signal of the user A 200 through the sequential signal flow of the data processor 320, the first wired / wireless data processor 340, and the first data transceiver 350. The payment server 400 transmits.

The credit information processing unit 430 of the credit card payment server 400 compares the identification confirmation signal of the user A 200 with the credit card information stored in the credit card information database 502. It is determined whether the user is permitted to use the credit card 210.

That is, the credit information processing unit 430 permits the user A 200 to use the credit card 210 when the identification confirmation signal of the user A 200 is the same as the information stored in the credit card information database 502. It is determined that the user is a payment approval signal is transmitted to the credit card merchant terminal 300 through the wired or wireless network.

In this case, the credit information processing unit 430 stores the fingerprint information of the user A 200 in the biometric information database 504 when the user A 200 is a user who is permitted to use the credit card 210.

On the other hand, the credit information processing unit 430 is not the same as the information stored in the credit card information database 502, the identification confirmation signal of the user A (200), user A (200) is not the credit card 210 It is determined that the user is not authorized and transmits the payment rejection signal to the credit card merchant terminal 300 through the wired or wireless network.

In addition, when the fingerprint information registered in the fingerprint information database 504 reaches the predetermined number of credit card occupants, the credit information processing unit 430 does not allow the user A 200 to be included in the credit card 210 usage personnel. It is determined that the payment rejection signal is transmitted to the credit card merchant terminal 300 through the wired or wireless network.

The credit card payment approval method of the credit card payment system according to the present invention configured and operated as described above will be described with reference to the accompanying drawings.

4 is a flow chart for performing a credit card payment authorization according to the present invention.

First, the credit card payment server 400 receives the user information including the credit card information, payment information and fingerprint information of the user A (200) from the credit card merchant terminal 300 connected through the wired or wireless network and payment approval request signal. Receive (S400).

Then, the credit card payment server 400 compares whether the fingerprint information among the received user information is the same as the information registered in the fingerprint information database 504 (S402).

If the fingerprint information received in the above step (S402) is the same as the registered fingerprint information (S404), the credit card payment server 400 determines that the user A 200 is authorized to use the credit card 210 The payment approval signal is transmitted to the credit card merchant terminal 300 (S406).

On the other hand, if the fingerprint information received in the above step (S404) is not the same as the registered fingerprint information, the credit card payment server 400 is the number of fingerprint information registered in the fingerprint information database 504 and the credit card 210 Compare the number of people used (S408).

In the above step (S408), it is determined whether the number of fingerprint information registration in the fingerprint information database 504 is less than the number of people using the credit card 210 (S410), and if the number of fingerprint information registration is less than the number of people using the identity card request question To transmit to the credit card merchant terminal 300 through the wired or wireless network (S412).

Subsequently, the credit card payment server 400 performs identity verification of the user A 200 according to the identity confirmation response signal of the user A 200 in response to the identification request request question, and transmits the payment approval signal or the payment rejection signal to the credit card merchant. It selectively transmits to the terminal 300 (S414).

On the other hand, if the number of fingerprint information registered in the fingerprint information database 504 is the same as the number of people in the step (S410), the credit card payment server 400 allows the user A 200 to use the credit card 210 It is determined that the user is not a payment signal is transmitted to the credit card merchant terminal 300 (S416).

With reference to the accompanying drawings will be described in more detail with reference to the accompanying drawings a user identification method of the credit card payment system according to the present invention carried out through the above process.

5 is a flowchart for performing credit card user identification of a credit card payment system according to the present invention.

The credit card payment server 400 searches the credit card information database 502 and transmits an identification request request corresponding to the credit card information received from the credit card merchant terminal 300 to the credit card merchant terminal 300 ( S500).

Subsequently, the credit card payment server 400 receives the identity confirmation response signal of the user A 200 for the identity verification request question from the credit card merchant terminal 300, and receives the received identity verification response signal and the credit card information database ( The information stored in 502 is compared (S502).

That is, the credit card payment server 400 is 'name is?', 'Address is?', 'Resident registration number?' An identity verification request question is sent, and after receiving the identity verification response signal of the user A 200 with respect to the identity verification request question, it is compared with the personal information stored in the credit card information database 502.

If the identification confirmation signal received in the above step (S502) and the information stored in the credit card information database 502 is the same (S504), the credit card payment server 400 is a user A (200) credit card ( It is determined that the use of the user 210 is authorized to transmit a payment approval signal to the credit card merchant terminal 300 (S506).

On the other hand, if the identification confirmation signal received in the above step (S504) and the information stored in the credit card information database 502 is not the same, the credit card payment server 400 is the user A (200) credit card ( The user 210 determines that the user is not authorized to use and transmits a payment rejection signal to the credit card merchant terminal 300 (S508).

Although the present invention has been described using fingerprint information as an example, it is apparent that various biometric information such as iris information, voice information, face recognition information, and dorsal vein information can be used.

In addition, the present invention may use only one biometric information or a combination of two or more biometric information.

The credit card payment system and method according to the present invention registers fingerprint information inputted from a confirming user according to a user confirmation request question when a credit card payment approval request is requested, so that a credit card replacement and new card for pre-registration of fingerprint information This can reduce the cost of reissue.

In addition, the present invention does not require a process of pre-registering biometric information such as fingerprint information, so that the convenience of a credit card user can be improved.

In addition, since the present invention performs the user verification by biometric information such as registered fingerprint information, more accurate credit card user confirmation is made, it is also possible to prevent damage by illegal users.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art to which the present invention pertains without departing from the spirit and scope of the present invention as set forth in the claims below It will be appreciated that modifications and variations can be made.

Claims (22)

Receiving credit card information, payment information, and biometric information from a credit card merchant terminal connected through a network; Determining whether the credit card is disqualified based on the received credit card information; Comparing the received biometric information with previously registered biometric information when there is no reason for disqualification for using the credit card; Selectively transmitting a payment approval signal or an identification request question of the credit card user to the credit card merchant terminal according to whether the received biometric information is identical to the previously registered biometric information; Including but not limited to: The pre-registered biometric information is biometric information of the credit card user that is input when the credit card payment approval request is made through the credit card merchant terminal, The credit card user authorization method characterized in that the user is identified by the credit card information. The method of claim 1, Selectively transmitting a payment approval signal or an identification request question of the credit card user to the credit card merchant terminal according to whether the received biometric information is identical to the previously registered biometric information; And if the received biometric information is the same as the pre-registered biometric information, transmitting a payment approval signal to the credit card merchant terminal. The method of claim 1, Selectively transmitting a payment approval signal or an identity verification request question of the credit card user to the credit card merchant terminal according to whether the received biometric information is identical to the previously registered biometric information; Comparing the number of credit card occupants corresponding to the credit card information with the number of registered biometric information if the received biometric information is not the same as the previously registered biometric information; Transmitting the identity verification request question to the credit card merchant terminal when the biometric information registration number is less than the number of credit card users; And Transmitting a payment approval signal or a payment rejection signal for the payment information to the credit card merchant terminal according to the authenticity of the identification confirmation signal of the credit card user with respect to the identification request request question; Credit card payment authorization method comprising a. The method of claim 3, Selectively transmitting the payment approval signal or the payment rejection signal to the credit card merchant terminal according to the authenticity of the user's identification response signal to the identity verification request question, Receiving an identification response signal of the credit card user corresponding to the identification request request from the credit card affiliate store terminal; Determining the authenticity of the identification response signal based on previously stored credit card information; Transmitting the payment rejection signal to the credit card merchant terminal when the received identity confirmation signal is false; Transmitting the payment approval signal to the credit card merchant terminal when the received identity confirmation response signal is true. Credit card payment authorization method comprising a. The method of claim 4, wherein Performing biometric information registration by storing the received biometric information when the received identity confirmation signal is true according to the previously stored credit card information; Credit card payment authorization method further comprising. The method of claim 3, Transmitting the payment rejection signal to the credit card affiliate terminal when the biometric information registration number is the same as the number of credit card users; Credit card payment authorization method further comprising. The method of claim 1, If the biometric information corresponding to the credit card information is not registered in advance, transmitting an identification request question of the credit card user to the credit card merchant terminal; Selectively transmitting a payment approval signal or a payment rejection signal to the credit card merchant terminal according to the authenticity of the user's identification response signal to the identity verification request question; Credit card payment authorization method further comprising. The method of claim 1, The credit card user identification request question is configured based on at least the personal information of the credit card user credit card payment authorization method. The method of claim 1, The biometric information includes at least one of fingerprint information, iris information, voice information, dorsal vein information, and facial recognition information. Receiving credit card information, payment information, and biometric information from a credit card merchant terminal connected through a network; Determining whether the credit card is disqualified based on the received credit card information; Determining whether the received biometric information is identical to previously registered biometric information when there is no reason for disqualification for using the credit card; Comparing the number of credit card occupants corresponding to the credit card information with the number of registered biometric information registered when the received biometric information is not the same as the previously registered biometric information; Transmitting a user identification request question of the credit card to the credit card merchant terminal when the number of registered biometric information is less than the number of credit card users; Selectively transmitting the payment approval signal or the payment rejection signal to the credit card merchant terminal according to the authenticity of the identification response signal of the credit card user with respect to the identification request request question; Including but not limited to: The pre-registered biometric information is biometric information of the credit card user input when the credit card payment approval request is made through the credit card merchant terminal, The credit card user is a credit card payment authorization method characterized in that the user is identified by the credit card information. A memory in which a program is stored; A processor coupled to the memory to execute the program Including but not limited to: The processor by the program, Receiving credit card information, payment information, and biometric information from a credit card merchant terminal connected through a network; Determining whether the credit card is disqualified based on the received credit card information; Comparing the received biometric information with previously registered biometric information when there is no reason for disqualification for using the credit card; Selectively transmitting a payment approval signal or an identification request question of the credit card user to the credit card merchant terminal according to whether the received biometric information is identical to the previously registered biometric information; Run the The pre-registered biometric information is biometric information of the credit card user that is input when the credit card payment approval request is made through the credit card merchant terminal, The credit card user is a credit card payment approval system, characterized in that the user is identified by the credit card information. The method of claim 11, The processor by the program, Selectively transmitting a payment approval signal or an identification request question of the credit card user to the credit card merchant terminal according to whether the received biometric information and the pre-registered biometric information are the same; If the received biometric information is the same as the pre-registered biometric information credit card payment approval system, characterized in that for transmitting a payment approval signal to the credit card merchant terminal. The method of claim 11, The processor by the program, Selectively transmitting a payment approval signal or an identity verification request question of the credit card user to the credit card merchant terminal according to whether the received biometric information is identical to the previously registered biometric information; Comparing the number of credit card occupants corresponding to the credit card information with the number of biometric information registered in advance if the received biometric information is not the same as the previously registered biometric information; Transmitting the identity verification request question to the credit card merchant terminal when the biometric information registration number is less than the number of credit card users; And Transmitting a payment approval signal or a payment rejection signal for the payment information to the credit card merchant terminal according to the authenticity of the identification confirmation signal of the credit card user with respect to the identification request request question; Credit card payment approval system, characterized in that the execution. The method of claim 13, The processor by the program, Selectively transmitting the payment approval signal or the payment rejection signal to the credit card merchant terminal according to the authenticity of the user's identification response signal to the identity verification request question, Receiving an identification response signal of the credit card user corresponding to the identification request request from the credit card affiliate store terminal; Determining the authenticity of the received identity confirmation signal based on previously stored credit card information; Transmitting the payment rejection signal to the credit card merchant terminal when the received identity confirmation signal is false; Transmitting the payment approval signal to the credit card merchant terminal when the received identity confirmation response signal is true. Credit card payment approval system, characterized in that the execution. The method of claim 14, The processor by the program, Performing biometric information registration by storing the received biometric information when the received identity confirmation signal is true according to the previously stored credit card information; Credit card payment approval system, characterized in that the execution. The method of claim 13, The processor by the program, Transmitting the payment rejection signal to the credit card affiliate terminal when the biometric information registration number is the same as the number of credit card users; Credit card payment approval system, characterized in that to further execute. The method of claim 11, If the biometric information corresponding to the credit card information is not registered in advance, transmitting an identification request question of the credit card user to the credit card merchant terminal; Selectively transmitting a payment approval signal or a payment rejection signal to the credit card merchant terminal according to the authenticity of the user's identification response signal to the identity verification request question; Credit card payment authorization method further comprising. The method of claim 11, The credit card user approval request question is configured based on at least the personal information of the credit card user credit card payment authorization system. The method of claim 11, The biometric information includes at least one of fingerprint information, iris information, voice information, dorsal vein information, and facial recognition information. A memory in which a program is stored; A processor coupled to the memory to execute the program Including but not limited to: The processor by the program, Receiving credit card information, payment information, and biometric information from a credit card merchant terminal connected through a network; Determining whether the credit card is disqualified based on the received credit card information; Determining whether the received biometric information is the same as previously registered biometric information when there is no reason for disqualification for using the credit card; Comparing the number of credit card occupants corresponding to the credit card information with the number of registered biometric information registered when the received biometric information is not the same as the previously registered biometric information; Transmitting a user identification request question of the credit card to the credit card merchant terminal when the number of registered biometric information is less than the number of credit card users; Selectively transmitting the payment approval signal or the payment rejection signal to the credit card merchant terminal according to the authenticity of the identification response signal of the credit card user with respect to the identification request request question; Run the The pre-registered biometric information is biometric information of the credit card user input when the credit card payment approval request is made through the credit card merchant terminal, The credit card user is a credit card payment approval system, characterized in that the user is identified by the credit card information. In a credit card merchant terminal connected to a credit card payment authorization system through a wired or wireless network, An information input unit configured to receive image biometric information, credit card information, payment information, and a user confirmation response signal from the credit card user; A data processor extracting a biometric information point from the image biometric information, converting the extracted biometric information point, the credit card information, the payment information, and the payment approval request signal into a preset data format and outputting the predetermined data format; A data transmission / reception unit configured to transmit the biometric feature point, credit card information, payment information, and payment approval request signal converted into the preset data format to the credit card payment system through the wired / wireless network; A display unit for displaying a user identity request question from the credit card payment system received through the data transceiver; Credit card merchant terminal comprising a. In the credit card payment authorization device of the credit card payment authorization system connected to the credit card merchant terminal via a wired or wireless network, A data transmission / reception unit configured to receive biometric information, credit card information, payment information, and payment approval request of the credit card user from the credit card merchant terminal, and transmit a payment approval signal or a payment rejection signal to the credit card merchant terminal; Outputting a payment approval signal according to the payment information when the received biometric information and the registered biometric information are the same; If the received biometric information is not the same as the pre-registered biometric information, the number of credit card occupants corresponding to the credit card information is compared with the registered biometric information registered number, If the number of biometric information registered in advance is less than the number of people using the credit card, and outputs an identification request question of the credit card user, Outputting a payment approval signal or a payment rejection signal for the payment information according to the authenticity of the identification response signal for the identification request question; A credit information processing unit for outputting a payment rejection signal for the payment information when the registered biometric information registration number reaches the number of persons using the credit card; A database for storing biometric information and credit card information of the credit card user whose identity has been verified by the identity verification request question Including but not limited to: Credit card payment approval device characterized in that for determining whether the credit card use disqualification based on the credit card information.