KR20080023282A - A method for paying money using human body-related information in commercial transaction systems - Google Patents

Abstract

A method for paying money using human body-related information in commercial transaction systems is provided to process money settlement which is occurred in an internet commercial transaction by using specified parts information of the human body having a different characteristic of each individual person. A user as an individual person inputs human body information capable of being identified into a human-body information recognizer installed at a shop, to settle money after shopping(S10). The settlement amount for shopping of the user is inputted by an assistant of the shop(S20). The assistant transmits inputted human body information and the settlement amount to a bank server(S30). A bank asks for client authentication by transmitting the human body information to a human body authentication server of an authentication organization(S40). The authentication organization reads the human body information to compare with the human body information stored in a database so as to certify identity, and transmits the result to the bank server(S50). If the identity is certified according to the authentication result transmitted from the human body authentication server, the balance of an account is checked(S60). If the balance is greater than the settlement amount, the money is remitted to a specified account, otherwise a settlement disapproval message is transmitted to a connection unit of the shop.

Description

A method for paying money using human body-related information in commercial transaction systems}

1 is a flowchart illustrating a payment method of a commerce system using human body information according to the present invention.

2 is a block diagram of an exemplary diagram of a commerce system to which the present invention is applied.

<Brief description of the main parts of the drawing>

100: human body information recognizer 200: bank server

210, 310: Database 300: human information authentication server

<TECHNICAL FIELD OF THE INVENTION

The present invention relates to an electronic commerce system using a specific part of the human body and its operating method. In particular, the present invention relates to an electronic commerce technology using a fingerprint or iris.

<Prior art in the field to which the invention belongs>

In the past, credit cards, cyber money, mileage, deposits, cash, cash transfers by phone banking, etc. were used in electronic commerce. Therefore, you had to carry cash, so there was a risk of loss, and you had to carry your wallet all the time. Or they had to carry their credit cards all the time, and merchants often avoided credit card transactions because of sales exposure, and even passed credit card fees to consumers when paying using credit cards. In addition, according to the policy of the IRS, after signing up as a credit card affiliated store, it actually induces a cash payment due to the fact that the machine is broken. Immoral commerce is rampant, including not issuing it properly and claiming VAT back on the amount of the original VAT. In addition, in order to withdraw cash using a credit card, you had to carry a credit card with you, and if you lost your card, you reported it to the card company. In addition, telephone calls with card companies were often difficult. In addition to this, card companies are scrambled like a bamboo shoot and are issued to unqualified persons without regard to credit, resulting in economic losses, as well as the case that one person has several cards. In addition, cardholders were also burdened with a small annual fee. And if the card is lost, anyone who knows the password has the problem that anyone can withdraw cash and exploit it in commerce.

Even when cyber money is used, a certain amount of cyber money has been paid by a sales company when the cyber money is transferred from a bank account or the like on the Internet, or when a certain product is bought. However, using such cyber money was not easy. It was necessary to enter the membership number and the amount of cyber money received as prizes was not enough to actually use.

In particular, modern people have to carry bank accounts or credit cards all the time, have to memorize multiple passwords, and have to change their passwords from time to time for security reasons.

For these reasons, there is a need for a payment and transaction method that does not require a bank account or a credit card to be carried out using information on the unique parts of the body.

In addition, the bank's savings rate is getting lower, so there are few people who want to save money at the bank, but if you save money at the bank, you need to pay a certain storage fee to the bank and actually take negative interest rates in consideration of tax deduction on interest income. It is becoming a situation to bear. However, since individuals cannot store a lot of cash stably, they are depositing their cash in the bank despite the negative interest rate.

It is an object of the present invention to provide an electronic commerce system and method for online processing of payment of an individual, which occurs during internet commerce, using information on specific parts of the body having different characteristics for each individual.

Other objects and advantages of the present invention will become more apparent from the following detailed description of the invention and the accompanying drawings.

One preferred embodiment of the present invention relates to a payment method of a commerce system using human body information. As shown in Figure 1 the payment method of the present invention,

Body information of an individual, including fingerprints, irises, and voices; The individual's life information, including the individual's name, resident registration address, social security number, mobile phone number, e-mail address, bank name and account number, is stored in the database 310 at the time of membership registration and is referred to as an individual (hereinafter referred to as "person"). Or a certification body that authenticates an individual's identity at the agency's request;

A bank which is registered as a member of the certification authority, the individual opens a savings account and has a database 210 therein;

A shop that has registered as a member of the certification authority and has a human body information recognizer 100 for use in the commerce of the individual; And

In the payment method of the commerce system using the human body information, comprising means for connecting the human body information readers of the certification body, the bank and the shop to each other,

Inputting human body information recognizable to a human body information recognizer installed in the store for the individual to visit the shop, to shop, and to make a payment (S10);

Inputting a shopping price of an individual who is a shop clerk as a customer (S20);

Transmitting the shop information of the customer including the human body information and the shopping price inputted by the shop clerk to the bank server (S30);

The bank transmitting the human body information of the customer to the human body information authentication server 300 of the certification authority (S40);

The authentication authority reads the human body information requested for identification and checks the identity by comparing the human body information of the members stored in the database 310 and transmits the result to the bank server 200 (S50);

Checking the balance remaining in the account of the individual when the identity is confirmed according to the authentication result received from the certification authority server 300 (S60); And

If the account balance is higher than the amount charged by the store compared to the amount charged by the store, the relevant amount is transferred from the account to the account set up by the store, and if the account balance is insufficient, It is characterized in that it comprises a step (S70) for transmitting a non-payment message.

In the present invention, when inputting the shopping price in the step (S20) it is preferable to also enter the installment months.

In the present invention, the human body information recognizer preferably includes a fingerprint information recognizer, an iris information recognizer, and a voice information recognizer.

In the present invention, the step of entering a password set by the individual at the time of membership registration of the certification authority (S12) further comprises, it is preferable that the password can be changed through a predetermined procedure.

In the present invention, it is preferable that the commerce system is an online commerce system.

In the present invention, the means for connecting the human body information recognizers of the certification authority, the bank and the store to each other is preferably a network capable of PC communication or a telephone line for wired and wireless telephone communication.

In the present invention, the database and the authentication server of the certification authority is preferably installed in at least double in a standby form for the safety of commerce.

In the present invention, when the human body information authentication server 300 of the certification authority is down, a great confusion may be caused in society, and therefore, it is preferable to operate the database 310 at least twice in case of an accident. For example, it is preferable to install the database 310 in IDC and the like located in different places for security. In this way, even if an accident damages the primary database, recovery from the secondary database built on IDC can be done quickly, minimizing losses.

In order to make a financial transaction using the Internet according to the present invention, an individual, a financial institution, a store, and the like, who want to use the internet must register as a member of a certification authority. If you sign up as a member, the certification body is provided to the bank and store members by installing the human body information recognizer 100 and the human body information recognizer to provide a predetermined program required to operate the human body information recognizer.

Members of the certification body can access the certification server of the certification body through the Internet, receive various services provided by the certification body, and view and copy various necessary information. For the convenience of membership registration, the certification body should cooperate with the bank which has registered as a member so that the member application can be submitted through each branch of the member bank. Individuals must enter human body information such as fingerprint information when registering, but self-employed businesses or corporations only need to submit certain documents instead of fingerprints.

On the other hand, in the present invention, the bank does not need to make an individual bank account. When the customer first visits the bank and applies for account opening, the bank creates a contract according to the account opening, and when the customer inputs fingerprint information through the fingerprint input machine, the bank processes it and transmits it to the certification authority. Save it. If the individual has already registered as a member of the certification body, there is no need to enter the human body information again. In the contract according to the opening of the account, it is preferable to write predetermined information including personally identifiable information, a bank interest, an account to be automatically debited, and the like. Automatic payments can continue to occur even after the account is opened, so you can create additional contracts or renew existing ones whenever they happen. As described above, when the contract is written, it is preferable that the customer is automatically registered as a member of the certification body when the customer is not a member of the certification body. That is, fingerprint input and membership may be performed by visiting a certification authority or directly at any point of a bank designated by the certification authority. Then, the bank will send the application to the certification body later, and the certification authority will give the applicant and the ID and password.

On the other hand, the bank records the customer's account and transaction history, keeps the account balance, and periodically evaluates and records the credit rating according to the customer's transaction performance according to the existing method, and based on this, it gives various transaction profits to the customer. For example, by increasing the bank's interest rate according to creditworthiness, or by providing a differentiated service that lowers a certain loan, it is possible to maintain the work that existing banks have done.

In addition, just add a human body recognizer such as a fingerprint input device and the corresponding program to the ATM, the individual can select the bank where his account is opened from the ATM without the bankbook or the card, select the ATM service and then make the desired deposit and withdrawal. Can be.

As such, the present invention may be variously modified and may take various forms, and only the specific embodiments thereof are described in the detailed description of the present invention. It is to be understood, however, that the present invention is not limited to the specific forms mentioned in the detailed description of the invention, but rather includes all modifications, equivalents, and substitutions within the spirit and scope of the invention as defined by the appended claims. It should be understood to do.

According to the present invention, there is no need to carry a separate credit card, and payment is possible anytime, anywhere, and there is no fear of loss. In addition, since the demand for banknotes is reduced by the practice of the present invention, the central bank issues fewer bills than before. In addition, the inconvenience of having to carry a small change can be largely eliminated.

Claims (7)

Body information of an individual, including fingerprints, irises, and voices; The individual's life information, including the individual's name, resident registration address, social security number, mobile phone number, e-mail address, bank name and account number, is stored in the database 310 at the time of membership registration and is referred to as an individual (hereinafter referred to as "person"). Or a certification body that authenticates an individual's identity at the agency's request; A bank which is registered as a member of the certification authority, the individual opens a savings account and has a database 210 therein; A shop that has registered as a member of the certification authority and has a human body information recognizer 100 for use in the commerce of the individual; And In the payment method of the commerce system using the human body information, comprising a means for connecting the human body information recognizers of the certification body, the bank and the shop, Inputting human body information recognizable to a human body information recognizer installed in the store for the individual to visit the shop, to shop, and to make a payment (S10); Inputting a shopping price of an individual who is a shop clerk as a customer (S20); Transmitting the shopping information of the customer including the human body information and the shopping price inputted by the store clerk to the bank server 200 (S30); The bank sends the human body information of the customer to the certification authority server 300 to request the authentication of the customer (S40); The authentication authority reads the human body information requested for identification and checks the identity by comparing the human body information of the members stored in the database 310 and transmits the result to the bank server 200 (S50); Checking the balance remaining in the account of the individual when the identity is confirmed according to the authentication result received from the certification authority server 300 (S60); And If the account balance is higher than the amount charged by the store compared to the amount charged by the store, the relevant amount is transferred from the account to the account set up by the store, and if the account balance is insufficient, Characterized in that it comprises the step of transmitting a non-payment message (S70), the payment method of the commerce system using the human body information. The method of claim 1, wherein when the shopping price is input in the step S20, an installment month number is also input. The method of claim 1, wherein the human body information recognizer comprises a fingerprint information recognizer, a iris information recognizer, and a voice information recognizer. The method of claim 1, further comprising a step (S12) of inputting a password set by the individual when the member of the certification authority registers, wherein the password is changeable through a predetermined procedure. Payment Method. The method of claim 1, wherein the commerce system is an electronic commerce system based on online. The method of claim 1, wherein the means for connecting the human body information recognizers of the certification body, the bank, and the store to each other is a network capable of PC communication or a telephone line for wired / wireless telephony communication. Payment Method. The method of claim 1, wherein the database (310) and the authentication server (300) of the certification authority are installed in at least double in a standby form for the safety of commerce.

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