JP5277745B2 - Card payment system, card payment method, card payment device, program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card settlement system, card settlement method, card settlement device, and program for performing personal authentication and settlement processing of an IC card while a user holds up the IC card to a reader/writer. <P>SOLUTION: This card settlement system comprises a first biometrics information reader 71 for reading first biometrics information, the reader/writer 72 for reading second biometrics information 611 from the IC card 60, a biometrics authentication device 73 for comparing the first biometrics information with the second biometrics information 611 and determining match/mismatch, and a control section 74 for controlling the settlement processing of the IC card 60 when the match is determined. As the second biometrics information 611, a plurality of pieces of partial information obtained by decomposing the first biometrics information are previously stored on the IC card 60. The biometrics authentication device 73 has a converting section 731 for decomposing the first biometrics information into the partial information, and a comparing section 732 for comparing the partial information decomposed by the converting section 731 with the partial information read from the IC card 60. <P>COPYRIGHT: (C)2010,JPO&amp;INPIT

Description

  The present invention relates to a card settlement system, a card settlement method, a card settlement apparatus, and a program, and in particular, performs biometric authentication and IC card settlement processing while a user is holding an IC card over a reader / writer. The present invention relates to a card settlement system, a card settlement method, a card settlement apparatus, and a program that can prevent unauthorized use.

  As a technique for preventing unauthorized use of an IC card, there is a technique for authenticating the match / mismatch between an IC card user and an IC card holder based on biometric information (for example, see Patent Documents 1 and 2).

  In the technique of Patent Document 1, the fingerprint data of the person is recorded in advance on the card, and the fingerprint of the person who brought the card is read by the fingerprint reading means. The fingerprint data read by the fingerprint reading means and the fingerprint data recorded on the card are collated to determine whether or not the user is the person himself / herself.

  Therefore, the technique of Patent Document 1 can be easily managed and quickly verified as to whether or not the person is the person.

  In the technique of Patent Document 2, the registered biometric authentication information is divided and stored in the IC card or the center device, the biometric authentication information acquired from the user at the time of authentication is also divided, and the divided information is collated.

  Therefore, the technique of Patent Document 2 does not need to reproduce the divided information and can improve the safety of the biometric authentication information. Moreover, since a random number, a personal identification number obtained from a user, or the like is used as a rule for division, it is difficult for a third party to guess the division rule, and the entire information is estimated from a part of the divided information. Can reduce the risk.

JP 2000-0667290 A JP 2007-1114814 A

  In order to prevent unauthorized use, payment processing at the time of product purchase using an IC card requires personal authentication (biometric authentication) using biometric information as a pre-process, and IC card payment processing must be continued following personal authentication. There is.

  Further, the payment processing at the time of product purchase requires rapid processing, and it is necessary to perform personal authentication and IC card payment processing while the user holds the IC card over the reader / writer.

  Therefore, it is essential to process the personal authentication in a short time.

  However, in Patent Document 1, since the person's fingerprint data itself is recorded in advance on the card, the number of comparison points / numbers with the fingerprint data read by the fingerprint reading means increases, and the verification process cannot be processed in a short time. There is.

  Further, Patent Document 1 does not particularly describe the settlement process after the personal authentication process, and the collation process cannot be executed in a short time. Therefore, while the user holds the IC card over the reader / writer, There is a problem that IC card settlement processing cannot be performed.

  Patent Document 2 has no description regarding the settlement process after the personal authentication process. Further, biometric authentication information stored in the IC card and biometric authentication information acquired from the IC card user cannot be processed simultaneously in a series of operations. Therefore, there is a problem that personal authentication and IC card settlement processing cannot be performed while the user holds the IC card over the reader / writer.

  The objective of this invention is providing the card payment system, the card payment method, the card payment apparatus, and program which solved the said subject.

  The card settlement system according to the present invention compares the first biological information reader that reads the first biological information, the reader / writer that reads the second biological information from the IC card, and the first biological information and the second biological information. / A biometric authentication device that performs a determination of mismatch and a control unit that controls settlement processing of an IC card when it is determined that they match, and the second biometric information is a partial information obtained by decomposing the first biometric information into partial information. Are stored in advance in the IC card, and the biometric authentication device reads the first biometric information into partial information, the partial information of the first biometric information decomposed by the conversion unit, and the IC card. And means for comparing a part of the partial information.

  In the card settlement method of the present invention, the step of reading the first biological information, the step of reading the second biological information from the IC card, the first biological information and the second biological information are compared, and a match / mismatch is determined. And IC card settlement processing when it is determined that they match, the first biological information is decomposed into partial information, and a plurality of second biological information selected from the partial information is stored in the IC card in advance. Comparing the step of the biometric authentication device to decompose the first biometric information into partial information by the conversion unit, and the partial information of the first biometric information decomposed by the conversion unit and the partial information read from the IC card And a step of performing.

  A card payment apparatus according to the present invention includes a first biological information reader that reads first biological information, a reader / writer that reads second biological information from an IC card, and a display that displays information for product purchase and payment processing. A biometric authentication device that compares the first biometric information with the second biometric information and determines matching / non-coincidence, a control unit that controls the first biometric information reader, the reader / writer, the display, and the commodity sales device; The second biometric information is stored in the IC card in advance by selecting a plurality of pieces of partial information obtained by disassembling the first biometric information into partial information. And a means for comparing the partial information of the first biometric information decomposed by the conversion unit with a part of the partial information read from the IC card. The biometric information and the second biometric information are one Then, characterized in that it performs the control of the settlement process of the IC card at the time of judgment.

  The program of the present invention is a program for a card payment method for purchasing a product from a vending machine using an IC card, and the card payment device includes means for reading first biological information with a first biological information reader; A means for reading second biometric information from an IC card with a reader / writer, a means for displaying information for merchandise purchase and payment processing on a display, a first biometric information and a second biometric information are compared, and a biometric authentication device A means for determining a match / mismatch in the device, a means for controlling the first biological information reader, reader / writer, display, and merchandise sales device by the control unit, and the first biological information is decomposed into partial information to obtain partial information. Means for previously storing a plurality of second biological information selected from among the first biological information, a means for decomposing the first biological information into partial information by the conversion unit, and partial information of the first biological information decomposed by the conversion unit And IC A means for comparing a part of the partial information read from the card and a means for controlling the settlement processing of the IC card by the control unit when the biometric authentication device determines that the first biometric information and the second biometric information match. It is made to function.

  The card payment system of the present invention has an effect that the biometric authentication process and the payment process can be performed while the user holds the IC card over the reader / writer.

  Next, a first embodiment of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a schematic block diagram showing a card payment system 90 according to the first embodiment of the present invention, FIG. 2 is a diagram for explaining the second biological information 611 in FIG. 1, and FIG. 2 is a schematic block diagram of a reader / writer 72 in FIG.

  Referring to FIG. 1, the card payment system 90 includes an IC card 60 (Integrated Circuit Card) and a card payment device 70.

  The card settlement apparatus 70 includes a first biological information reader 71 that reads first biological information (for example, the fingerprint image 50, see FIG. 11), a reader / writer 72 that reads second biological information 611 from the IC card 60, A biometric authentication device 73 and a control unit 74 are included. Note that the first biological information is fingerprint information 614 as an example.

  The IC card 60 has a card shape, an IC is mounted in the card, and second biological information 611 of a proper holder of the IC card 60 is stored in advance in the IC. The second biological information 611 can be read / written by the reader / writer 72. Further, the IC card 60 can read / write information by the reader / writer 72 in a wireless manner.

  The biometric authentication device 73 includes a conversion unit 731 that decomposes the first biometric information into fingerprint partial information 612, a comparison unit 732 that compares the first biometric information and the second biometric information 611, and a comparison result match / mismatch determination. And an authentication unit 733 for performing the above. The comparison unit 732 compares the fingerprint part information 612 of the first biological information decomposed by the conversion unit 731 with the fingerprint part information 612 read from the IC card 60.

  When the authentication unit 733 determines that there is a mismatch, the biometric authentication device 73 again prints the fingerprint portion information 612 read from the IC card 60 different from the fingerprint portion information 612 used when determining the match / mismatch, and the fingerprint of the first biometric information. The comparison unit 732 compares the partial information 612.

  The control unit 74 includes a settlement processing control unit 741 that controls settlement processing of the IC card 60 when it is determined that the first biological information and the second biological information 611 match.

  Referring to FIG. 2, the second biometric information 611 is stored in advance in the IC card 60 by selecting a plurality of pieces of fingerprint partial information 612 obtained by decomposing the fingerprint information 614 (first biometric information).

  The fingerprint partial information 612 includes n grayscale waveforms obtained by extracting the fingerprint information 614 for each line. The grayscale waveform is regarded as a spectrum waveform 613, and the fingerprint portion information 612 includes n pieces of the first spectrum waveform 613-1 to the nth spectrum waveform 613-n. However, n is a positive integer.

  Referring to FIG. 3, the reader / writer 72 has partial information for determining the second biological information reading unit 721 that reads the second biological information 611 from the IC card 60 and the number of fingerprint partial information 612 to be read (number of spectrum waveforms 613). A reading number determination unit 722.

  The card settlement system 90 configured as described above first reads the fingerprint image 50 with the first biometric information reader 71, and then reads the second biometric information 611 from the IC card 60 with the reader / writer 72, After the information 612 is compared and a match / mismatch is determined, the payment process can be continued.

  Therefore, the card settlement system 90 has an effect that the user can perform personal authentication and settlement processing of the IC card 60 while the user holds the IC card 60 over the reader / writer 72.

  The detailed operation of the card payment system 90 configured as described above is included in the operation of the card payment system 80 to be described later, and thus the description thereof is omitted here.

  Next, a second embodiment of the present invention will be described in detail with reference to the drawings.

  4 is a schematic block diagram showing a card payment system 80 according to the second embodiment of the present invention, FIG. 5 is a diagram for explaining the IC card 10 in FIG. 4, and FIG. 6 is in FIG. It is a figure for demonstrating the 2nd biometric information 113 of. 7, 8, 9, and 10 are schematic block diagrams of the reader / writer 22, the biometric authentication device 23, the control unit 25, and the selection button unit 31, respectively, in FIG.

  Referring to FIG. 4, the card settlement system 80 includes an IC card 10 and a vending machine 40.

  Referring to FIG. 5, the IC card 10 includes a management information storage unit 110 that stores management information 130 in the IC, and a first communication unit 120 that transmits and receives the management information 130 to and from the reader / writer 22 by a wireless method. With. The management information 130 includes an identification number 111 of the IC card 10 consisting of alphanumeric characters, holding amount information 112, and second biological information 113 of the authorized holder of the IC card 10. The identification number 111 of the IC card 10 also serves as the identification number 111 of the authorized holder of the IC card 10.

  The holding amount information 112 is a prepaid amount that can be used by an authorized holder of the IC card 10 and is an amount that the holder of the IC card 10 has previously deposited as a prepaid amount of the IC card 10.

  Referring to FIG. 6, the second biological information 113 is fingerprint information 114 of an authorized holder of the IC card 10, and a plurality of pieces of fingerprint partial information 115 obtained by disassembling the fingerprint information 114 (first biological information) are obtained. It is a selection. The second biological information 113 is a gray waveform obtained by extracting the fingerprint information 114 for each line. The grayscale waveform is regarded as a spectrum waveform 510 (see FIG. 11), and the fingerprint portion information 115 includes n pieces of the first spectrum waveform 116-1 to the nth spectrum waveform 116-n. However, n is a positive integer, for example, 2 ≦ n ≦ 20. Here, the second biological information 113 is information stored in the IC card 10 in advance. The fingerprint partial information 115 may be obtained by performing frequency conversion such as Fourier transform on the gray waveform and obtaining the frequency spectrum as the first spectrum waveform 116-1 to the nth spectrum waveform 116-n.

  The first biometric information reader 21 reads one fingerprint information 114 of the holder of the IC card 10 and transmits it as one fingerprint image 50 to the biometric authentication device 23. In the biometric authentication device 23, the spectrum waveform conversion unit 231 outputs a spectrum waveform 510 having a shading waveform obtained by cutting out the fingerprint image 50 for each line (see FIG. 11). One spectrum waveform 510 becomes one fingerprint portion information 115 that identifies the holder. From the fingerprint image 50, m spectrum waveforms 510 of spectrum waveforms 510-1 to 510-m are obtained. However, m is a positive integer, for example, 100 ≦ m.

  In the second biological information 113, a plurality (2 to 20) of spectrum waveforms 510 near the center of the fingerprint image 50 are selected and stored in the IC card 10 in advance.

  Referring again to FIG. 4, the vending machine 40 includes a card payment device 20 and a merchandise sales device 30.

  The card settlement device 20 includes a first biometric information reader 21, a reader / writer 22, a display 24, a biometric authentication device 23, and a control unit 25. The biometric authentication device 23 and the control unit 25 may be provided outside the vending machine 40 and connected to the vending machine 40 via a communication line such as a dedicated line or the Internet.

  The first biological information reader 21 reads a fingerprint image 50 (see FIG. 11) as the first biological information. The first biological information is not limited to the fingerprint image 50, and may be any information such as palm print, vein, iris, face, and voice.

  Referring to FIG. 7, the reader / writer 22 determines the number of spectrum waveforms for determining the number of read / write units 221 for reading the second biological information 113 from the IC card 10 and the number of fingerprint portion information 115 to be read (number of spectrum waveforms 510). Unit 222 and a second communication unit 223 that wirelessly transmits and receives management information 130 between the IC card 10.

  The display 24 displays information necessary for using the vending machine 40 and information necessary for performing settlement of the IC card 10 to the user of the vending machine 40.

  Referring to FIG. 8, the biometric authentication device 23 includes a spectrum waveform conversion unit 231, a spectrum waveform comparison unit 232, and an authentication unit 233.

  The spectrum waveform conversion unit 231 extracts a plurality of spectrum waveforms 510 decomposed into fingerprint partial information 115 from the fingerprint image 50 read by the first biological information reader 21. Note that the spectrum waveform conversion unit 231 may include means for performing frequency conversion such as Fourier transform on the grayscale waveform to obtain a frequency spectrum, and may extract the frequency spectrum as a plurality of spectrum waveforms 510.

  The spectrum waveform comparison unit 232 compares the spectrum waveform 510 extracted by the spectrum waveform conversion unit 231 with the fingerprint portion information 115 read from the IC card 10.

  The authentication unit 233 determines whether the comparison results match / mismatch. When it is determined that they match, the authentication unit 233 gives authentication that the user of the vending machine 40 and the holder of the IC card 10 match.

  When the authentication unit 233 determines that there is a mismatch, the biometric authentication device 23 again uses the unused fingerprint portion information 115 (first spectrum waveform 116-1) in the inner spectrum waveform comparison unit 232 of the fingerprint portion information 115 read from the IC card 10. The spectrum waveform comparison unit 232 compares the spectrum waveform 510 extracted by the spectrum waveform conversion unit 231 with an unused one of the .about.nth spectrum waveform 116 -n.

  Referring to FIG. 9, the control unit 25 controls the card settlement apparatus 20 and also controls the merchandise sales apparatus 30, and performs a biometric authentication process control unit 250, a settlement process control unit 260, and a product takeout control unit 270. With.

  The biometric authentication process control unit 250 instructs display contents on the display 24 in the biometric authentication process, and includes a product name / price display instruction unit 251, a fingerprint reading display instruction unit 252, and an IC card reading display instruction unit 253. Prepare.

  The settlement process control unit 260 includes an IC card holding information update instruction unit 261 and a settlement process end display instruction unit 262.

  The product take-out control unit 270 includes a product discharge instruction unit 271 that instructs the product sales apparatus 30 to discharge products.

  Referring to FIGS. 4 and 10, the product sales device 30 includes a plurality of buttons (not shown), a selection button unit 31, and a product take-out device 32.

  The selection button unit 31 includes a storage unit 312 that stores product name information 313 corresponding to each button and price information 314 of the product name. The selection button unit 31 outputs the product name information 313 and the price information 314 of the product name when the user selects a product desired to be purchased and presses the button, and transmits it to the control unit 25.

  The product take-out device 32 includes a product storage unit (not shown) for storing a plurality of products, and in response to a discharge instruction based on the product name information 313 from the control unit 25, takes out the product of the product name information 313 from the vending machine 40 outlet. It is discharged (not shown).

  Next, the operation of the card payment system 80 configured as described above will be described with reference to the drawings.

  FIGS. 12 and 13 are flowcharts for explaining the operation of the card payment system 80.

  Referring to FIGS. 12 and 13, the user selects a product desired to be purchased in front of the vending machine 40 and presses a button on the product sales apparatus 30 (S101).

  The selection button unit 31 of the product sales device 30 transmits the product name information 313 and the price information 314 corresponding to the pressed button to the control unit 25 of the card settlement device 20 (S102).

  When receiving the product name information 313 and the price information 314, the control unit 25 starts a biometric authentication process for the user (S103).

  The control unit 25 instructs the display 24 to display the product name and the price using the product name / price display instructing unit 251, and the fingerprint reading display instructing unit 252 instructs the display unit 24 to display the user's fingerprint. Is displayed on the first biological information reader 21 (S104).

  The display 24 displays the product name and the price, and displays prompting the fingerprint to be read into the first biological information reader 21 (S105).

  The first biometric information reader 21 reads the fingerprint of the user and transmits a fingerprint image 50 as the first biometric information to the biometric authentication device 23 (S106).

  The biometric authentication device 23 converts the fingerprint image 50 into a 100-line spectrum waveform 510 (spectrum waveforms 510-1 to 510-100) by the spectrum waveform conversion unit 231 and extracts it as fingerprint partial information 115 (S <b> 107).

  The biometric authentication device 23 transmits the extraction end information of the fingerprint portion information 115 to the control unit 25 (S108).

  The control unit 25 instructs the display 24 to display a message prompting the user to read the IC card 10 into the reader / writer 22 by the IC card reading display instruction unit 253 (S109).

  The display 24 displays that the IC card 10 is read into the reader / writer 22 (S110).

  The user holds the IC card 10 over the reader / writer 22 (S111).

  The reader / writer 22 communicates with the first communication unit 120 of the IC card 10 through the second communication unit 223, and reads the management information 130 stored in the IC card 10 (S112). The management information 130 is an identification number 111 of the IC card 10 consisting of alphanumeric characters, holding amount information 112, and second biological information 113 of the holder of the IC card 10. Among these, the second biological information 113 is stored as fingerprint partial information 115 (first spectrum waveform 116-1 to n-th spectrum waveform 116-n) (provided that 2 ≦ n ≦ 20). The reader / writer 22 uses the spectrum waveform number determination unit 222 to determine the number of fingerprint partial information 115 to be read (the number read from the first spectrum waveform 116-1 to the nth spectrum waveform 116-n).

  Here, the number to be read may be determined by comprehensively considering the accuracy of the biometric authentication process, the communication speed between the IC card 10 and the reader / writer 22, and the processing speed of the biometric authentication device 23.

  As the number of readouts increases, the amount of information for authenticating the match / mismatch increases as compared with the spectrum waveform 510 of the first biometric information, and the accuracy of biometric authentication increases. However, the amount of information transferred from the IC card 10 to the reader / writer 22 increases, and the transfer time increases. Further, the biometric authentication device 23 increases the amount of information to be authenticated and increases the processing time.

  Therefore, the number to be read is determined to be an optimum number so that the biometric authentication and the payment process are completed within the time when the user holds the IC card 10 over the reader / writer 22. For example, if the time for which the user holds the IC card 10 over the reader / writer 22 is 0.5 seconds, the biometric authentication process, the biometric authentication process in the case of mismatch, and the payment process are performed for 0.5 seconds. The number to be read is determined so that the process can be completed within a predetermined time.

  Here, as an example, it is assumed that the number of fingerprint portion information 115 to be read is one, and the reader / writer 22 reads the first spectrum waveform 116-1, and the operation will be described below.

  The reader / writer 22 transmits the read first spectrum waveform 116-1 to the biometric authentication device 23 (S113).

  The biometric authentication device 23 compares the first spectrum waveform 116-1 with the 100-line spectrum waveforms 510-1 to 510-100 extracted in the above (S107) by the spectrum waveform comparison unit 232 (S114).

  The authentication unit 233 determines whether or not the first spectrum waveform 116-1 matches any of the 100 spectrum waveforms 510-1 to 510-100 (S115, S116).

  When the number of fingerprint portion information 115 to be compared is plural (for example, three cases of first spectrum waveform 116-1, second spectrum waveform 116-2, and third spectrum waveform 116-3). If the number (two in this example) of the whole is equal to any one of the spectrum waveforms 510-1 to 510-100, the authentication unit 233 determines that the user's fingerprint and the IC card 10 Judge that the fingerprint of the holder matches. The authentication unit 233 authenticates that the user of the vending machine 40 matches the owner of the IC card 10.

  When the biometric authentication device 23 determines a match in the match / mismatch determination (S116), the determination result is transmitted to the control unit 25, and the control unit 25 ends the biometric authentication process (S117) and performs the payment process. Start (S127).

  When the biometric authentication device 23 determines that there is a mismatch, the determination result is transmitted to the control unit 25, and the control unit 25 again causes the IC card reading / display instruction unit 253 to hold the IC card 10 to the user with the reader / writer 22. The display 24 is instructed to prompt the reading (S118).

  The display 24 displays that the IC card 10 is read into the reader / writer 22 (S119).

  The user again holds the IC card 10 over the reader / writer 22 (S120).

  The processes (S118) to (S120) are applied only to a case where the biometric authentication process cannot be performed again within the time when the user holds the IC card 10 over the reader / writer 22. Usually, the processing of (S118) to (S120) is not necessary.

  For example, the biometric authentication process, the biometric authentication process in the case of mismatching, and the payment process are set so that they can be completed in 0.5 seconds, and the time for the user to hold the IC card 10 over the reader / writer 22 is set. Assume that 0.5 seconds. However, when the time for the user to hold the IC card 10 is 0.1 seconds, the biometric authentication process shown below (S121) cannot be performed again while holding the IC card 10 once. is there.

  The reader / writer 22 communicates with the first communication unit 120 of the IC card 10 through the second communication unit 223. The reader / writer 22 selects, for example, from the unused fingerprint portion information 115 (second spectrum waveform 116-2 to n-th spectrum waveform 116-n) that has not been read in (S113) as the second biological information 113, for example, The second spectrum waveform 116-2 is read (S121).

  The reader / writer 22 transmits the read second spectrum waveform 116-2 to the biometric authentication device 23 (S122).

  The biometric authentication device 23 compares the second spectrum waveform 116-2 with the 100-line spectrum waveforms 510-1 to 510-100 extracted in (S107) by the spectrum waveform comparison unit 232 (S123).

  The authentication unit 233 determines whether or not the second spectrum waveform 116-2 matches any of the 100 spectrum waveforms 510-1 to 510-100 (S124, S125).

  When the biometric authentication device 23 determines that there is a mismatch (S125), the determination result is transmitted to the control unit 25, and the control unit 25 stops the settlement process of the IC card 10 (S126).

  In the above description, the biometric authentication process is performed twice as an example, but the possible number of executions of the biometric authentication process depends on the time when the user holds the IC card 10 over the reader / writer 22. Needless to say, the present invention also includes performing biometric authentication processing three or more times.

  When the biometric authentication device 23 determines that they match, the process returns to (S117).

  When the settlement process is started (S127), the control unit 25 instructs the reader / writer 22 to update the new holding amount information 112 by using the IC card holding amount information update instruction unit 261 (S128).

  The reader / writer 22 rewrites and changes the holding amount information 112 of the IC card 10 to the new holding amount information 112 using the information obtained by subtracting the price information 314 from the current holding amount information 112 as the new holding amount information 112 (S129). .

  The control unit 25 confirms the completion of the settlement process by the IC card 10 (S130), and instructs the display unit 24 to display the completion of the price settlement process for the product by the settlement process end display instruction unit 262. (S131).

  The display 24 displays that the payment processing has been completed (S132).

  The control unit 25 instructs the product take-out device 32 of the product sales device 30 to discharge the product corresponding to the product name information 313 (S133).

  The product take-out device 32 discharges the product corresponding to the product name information 313 to the take-out port (S134).

  The card payment system 80 described above uses the partial information of the first biometric information and a part of the partial information of the second biometric information 113 for biometric authentication. Therefore, the card payment system 80 has a small amount of information for biometric authentication processing, can shorten the authentication processing time, and can perform biometric authentication and payment processing while the user holds the IC card 10 over the reader / writer 22. There is.

  Further, the card payment system 80 uses the second biometric information 113 of the authorized holder of the IC card 10 stored in the IC card 10 to authenticate the user. There is an effect that can be prevented.

1 is a schematic block diagram illustrating a card payment system according to a first embodiment of the present invention. It is a figure for demonstrating the 2nd biometric information in FIG. It is a schematic block diagram of the reader / writer in FIG. It is a schematic block diagram which shows the card payment system of the 2nd Embodiment of this invention. It is a figure for demonstrating the IC card in FIG. It is a figure for demonstrating the 2nd biometric information in FIG. It is a schematic block diagram of the reader / writer in FIG. It is a schematic block diagram of the biometric authentication apparatus in FIG. It is a schematic block diagram of the control part in FIG. It is a schematic block diagram of the selection button part in FIG. It is a figure for demonstrating fingerprint partial information. It is a flowchart for demonstrating operation | movement of a card payment system. It is a flowchart for demonstrating operation | movement of a card payment system.

Explanation of symbols

10 IC Card 110 Management Information Storage Unit 111 Identification Number 112 Retained Amount Information 113 Second Biometric Information 114 Fingerprint Information 115 Fingerprint Partial Information 116-1 First Spectrum Waveform 116-2 Second Spectrum Waveform 116-n nth Spectrum Waveform 120th DESCRIPTION OF SYMBOLS 1 Communication part 130 Management information 20 Card payment apparatus 21 1st biometric information reader 22 Reader / writer 221 Reading / writing part 222 Spectrum waveform number determination part 223 2nd communication part 23 Biometric authentication apparatus 231 Spectrum waveform conversion part 232 Spectrum waveform comparison part 233 Authentication unit 24 Display unit 25 Control unit 250 Biometric authentication processing control unit 251 Product name / price display instruction unit 252 Fingerprint reading display instruction unit 253 IC card reading display instruction unit 260 Payment processing control unit 261 IC card holding Information update instruction unit 262 Settlement process end display instruction unit 270 Product removal control unit 271 Product discharge instruction unit 30 Product sales device 31 Selection button unit 312 Storage unit 313 Product name information 314 Price information 32 Product extraction device 40 Vending machine 50 Fingerprint image 510 Spectrum waveform 510-1 to 510-m Spectrum waveform 60 IC card 611 Second biological information 612 Fingerprint partial information 613 Spectrum waveform 613-1 First spectrum waveform 613-n nth spectrum waveform 614 Fingerprint information 70 Card payment device 71 1st 1 Biometric Information Reader 72 Reader / Writer 721 Second Biometric Information Reading Unit 722 Partial Information Reading Number Determination Unit 73 Biometric Authentication Device 731 Conversion Unit 732 Comparison Unit 733 Authentication Unit 74 Control Unit 741 Settlement Processing Control Unit 80, 90 Over de settlement system

Claims (21)

A first biological information reader for reading the first biological information;
A reader / writer for reading the second biological information from the IC card;
A biometric authentication device that compares the first biometric information with the second biometric information and determines whether or not they match;
A control unit that controls settlement processing of the IC card when it is determined that they match,
The second biometric information is stored in advance in the IC card by selecting a plurality of pieces of the partial information obtained by decomposing the first biometric information into partial information.
The reader / writer counts the number of pieces of partial information read from the IC card so that the match / mismatch determination and the IC card settlement processing are completed within the time the IC card is held over the reader / writer. Having means for determining
The biometric authentication device includes a conversion unit that decomposes the first biometric information into the partial information, the partial information of the first biometric information that is decomposed by the conversion unit, and the determined number of read from the IC card . card payment system, characterized in that it comprises a means for comparing the partial information. 2. The card settlement system according to claim 1, wherein the first biological information includes fingerprint information, and the partial information includes a gray waveform obtained by extracting the fingerprint information for each line. The biometric authentication device has means for comparing the partial information unused at the time of determination of the match / mismatch read from the IC card with the partial information of the first biometric information when the biometric authentication device determines that there is a mismatch. 3. The card payment system according to claim 1, wherein the card payment system. The means for determining the number of pieces of partial information read from the IC card is such that the processing time between the match / mismatch determination and the IC card settlement processing is within the time that the IC card is held over the reader / writer. The card settlement system according to any one of claims 1 to 3, wherein the number of pieces of the partial information read from the IC card is determined . A card payment system for purchasing products from a vending machine using an IC card,
The vending machine is
And a card payment system and product sales apparatus,
The card payment device
A first biological information reader for reading the first biological information;
A reader / writer for reading second biological information from the IC card;
A display for displaying information for product purchase and payment processing;
A biometric authentication device that compares the first biometric information with the second biometric information and determines whether or not they match;
A controller that controls the first biological information reader, the reader / writer, the display, and the commodity sales apparatus;
The second biometric information is stored in advance in the IC card by selecting a plurality of pieces of the partial information obtained by decomposing the first biometric information into partial information.
The reader / writer counts the number of pieces of partial information read from the IC card so that the match / mismatch determination and the IC card settlement processing are completed within the time the IC card is held over the reader / writer. Having means for determining
The biometric authentication device includes a conversion unit that decomposes the first biometric information into the partial information, the partial information of the first biometric information that is decomposed by the conversion unit, and the determined number of read from the IC card . and means for comparing the partial information,
The card payment system, wherein the control unit controls payment processing of the IC card when the biometric authentication device determines that the first biometric information and the second biometric information match. 6. The card settlement system according to claim 5, wherein the first biometric information includes fingerprint information, and the partial information includes a spectrum waveform of a gray waveform obtained by extracting the fingerprint information for each line. The biometric authentication device includes a spectrum waveform conversion unit that extracts a plurality of spectrum waveforms from the fingerprint information, the spectrum waveform of the partial information extracted by the spectrum waveform conversion unit, and the partial information read from the IC card. 7. The card payment system according to claim 6, further comprising: a spectrum waveform comparison unit that compares the spectrum waveform; and an authentication unit that determines whether the fingerprint matches or does not match. When the biometric authentication device determines that the authentication unit does not match, the spectrum waveform that has not been used by the spectrum waveform comparison unit read from the IC card and the partial information extracted by the spectrum waveform conversion unit are read again. 8. The card payment system according to claim 7, wherein a spectrum waveform is compared by the spectrum waveform comparison unit. The reader / writer writes information to and reads information from the IC card, and a spectrum waveform number determination unit that determines the number of pieces of partial information to be read from the IC card. The card payment system according to claim 5, further comprising two communication units. The IC card includes a management information storage unit that stores management information, and a first communication unit that transmits and receives information to and from the reader / writer,
The card management system according to claim 5, wherein the management information includes an identification number, retained amount information, and the second biological information. The control unit is a biometric authentication processing control unit that instructs display content on the display unit in biometric authentication processing, a payment processing control unit that instructs display content on the display unit in payment processing of the IC card, 6. The card settlement system according to claim 5, further comprising a product take-out control unit that instructs the product sales apparatus to discharge the product. The product sales apparatus includes a plurality of buttons, a selection button unit that stores product name information corresponding to each of the buttons and price information of the product name, and a stock of a plurality of products, from the control unit The card settlement system according to claim 5 or 11, further comprising: a product take-out device that discharges the product to the take-out port according to the discharge instruction. Reading the first biological information;
Reading the second biological information from the IC card;
Comparing the first biometric information and the second biometric information, and determining a match / mismatch;
Includes matching with the time determination and performing a settlement process of the IC card,
The second biometric information is stored in advance in the IC card by selecting a plurality of pieces of the partial information obtained by decomposing the first biometric information into partial information.
The step of reading the second biometric information is read from the IC card so that the match / mismatch determination and the IC card settlement processing are completed within the time the IC card is held over the reader / writer. Determining the number of the partial information;
The step of determining whether or not there is a match includes disassembling the first biological information into the partial information, and the determined number of the partial information read from the IC card and the partial information of the decomposed first biological information Compare with information
Card settlement wherein a call. The card settlement method according to claim 13, wherein the first biometric information includes fingerprint information, and the partial information includes a grayscale waveform obtained by extracting the fingerprint information for each line. Furthermore, when judgment result of comparison a mismatch again, including the step of comparing said portion information of unused determines the match / mismatch read from the IC card, and said partial information of the first biological information < The card settlement method according to claim 13 or 14, wherein: When determining the number of pieces of partial information to be read from the IC card, the processing time of the match / mismatch determination and the IC card settlement processing is within the time that the IC card is held over the reader / writer. The card settlement method according to any one of claims 13 to 15, wherein the number of pieces of the partial information read from the IC card is determined . A card payment method for purchasing products from a vending machine using an IC card,
Card payment device
Reading the first biological information with a first biological information reader;
Reading the second biological information from the IC card with a reader / writer;
Displaying information for product purchase and payment processing on a display;
Comparing the first biometric information with the second biometric information, and performing a match / mismatch determination with a biometric authentication device;
And a step of controlling said first biometric information reader and the reader-writer and the display and merchandise sales machine control unit,
The second biometric information is stored in advance in the IC card by selecting a plurality of pieces of the partial information obtained by decomposing the first biometric information into partial information.
The step of reading the second biometric information is read from the IC card so that the match / mismatch determination and the IC card settlement processing are completed within the time the IC card is held over the reader / writer. Determining the number of the partial information;
The step of determining whether or not there is a match includes disassembling the first biological information into the partial information, and the determined number of the partial information read from the IC card and the partial information of the decomposed first biological information Compare with information ,
The controlling step controls the settlement processing of the IC card when the biometric authentication device determines that the first biometric information and the second biometric information match.
Card settlement wherein a call. Wherein the first biological information has fingerprint information, the partial information, card payment method according to claim 17, characterized in that it has a Spectrum waveform shading waveform extracting the fingerprint information for each line. Performing the match / mismatch determination extracts a plurality of the spectrum waveform from said fingerprint information, have rows decisions match / mismatch of the spectrum waveform,
Further, when it is determined that there is a mismatch, the step of comparing the spectrum waveform read from the unused IC card again with the step of comparing the spectrum waveform and the spectrum waveform of the partial information extracted from the fingerprint information is included. The card settlement method according to claim 18 , characterized in that A first biological information reader for reading the first biological information;
A reader / writer for reading the second biological information from the IC card;
A display for displaying information for product purchase and payment processing;
A biometric authentication device that compares the first biometric information with the second biometric information and determines whether or not they match;
And a control unit for controlling and the merchandise sales device and the display device and the first biometric information reader and the writer,
The second biometric information is stored in advance in the IC card by selecting a plurality of pieces of the partial information obtained by decomposing the first biometric information into partial information.
The reader / writer counts the number of pieces of partial information read from the IC card so that the match / mismatch determination and the IC card settlement processing are completed within the time the IC card is held over the reader / writer. Having means for determining
The biometric authentication device includes a conversion unit that decomposes the first biometric information into the partial information, the partial information of the first biometric information that is decomposed by the conversion unit, and the determined number of read from the IC card . and means for comparing the partial information,
The card payment device, wherein the control unit controls payment processing of the IC card when the biometric authentication device determines that the first biometric information matches the second biometric information. A program for a card payment method for purchasing a product from a vending machine using an IC card,
Card payment device
Means for reading the first biological information with the first biological information reader;
Means for reading second biological information from the IC card with a reader / writer;
Means for displaying information for product purchase and payment processing on a display;
Means for comparing the first biometric information and the second biometric information, and making a match / mismatch determination by a biometric authentication device;
And means for controlling said first biometric information reader and the reader-writer and the display and merchandise sales machine control unit,
To function,
The second biometric information is stored in advance in the IC card by selecting a plurality of pieces of the partial information obtained by decomposing the first biometric information into partial information.
The means for reading the second biometric information reads from the IC card so that the match / mismatch determination and the IC card settlement processing are completed within the time the IC card is held over the reader / writer. Determining the number of the partial information;
The means for determining whether the match / disagreement decomposes the first biometric information into the partial information, and the partial information of the decomposed first biometric information and the determined number of the parts read from the IC card. Compare with information ,
Said means for controlling includes intends line control of the settlement process of the biometric authentication device the IC card at the time of determining that the first biometric information with the second biometric information matches with
A program for a card payment method.

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