RU143577U1 - DEVICE FOR PAYING GOODS AND SERVICES USING CUSTOMER'S BIOMETRIC PARAMETERS - Google Patents

Abstract

A device for paying for goods and services using biometric parameters of a client, comprising a biometric scanner for scanning a client’s fingerprint and converting a papillary pattern using appropriate software into a mathematical template corresponding to the fingerprint, placed in the scanner and electrically connected to each other a database of registered fingerprint patterns clients, database fingerprint identification unit and unique assignment unit code for the customer’s fingerprint template and its account, while payment for goods and services is carried out by debiting the payment amount from the customer’s account according to the results of positive identification of the customer’s fingerprint by generating a unique code for the corresponding signal, which is different in the database of templates for each registered client stores at least three different fingerprint templates obtained during registration of the client, at least one of which is used by the client when paying for goods and services of their own free will, while in case of positive identification using the fingerprint database used by the client to pay at their own will, a signal is generated by the assignment unit of the unique scanner code to deduct the payment amount from the customer’s account, another of the templates is used to blocking payment by the client of his own free will, while in case of positive identification using the fingerprint database used by the client to block payment of his own free will, a unique code assignment unit is generated

Description

The utility model relates to devices for carrying out payment operations using biometric parameters of a client (buyer) and can be used in trade (payment for goods in stores), the service sector (payment for visits to cafes, restaurants, entertainment events, ticket purchases, etc.) and in the banking sector (cash transactions at ATMs).

A known method and device for verifying a transaction described in patent WO No. 9618169 A1, IPC G06K 9/00, priority 01.12.1995, which are as follows. Using the scanning device, the fingerprint of the person conducting the transaction is obtained, after which the received fingerprint is converted into an electronic image by means of an electronic signal generating device and stored. Then, the stored electronic image is compared with the electronic image corresponding to the image of the fingerprint of the person conducting the transaction. A transaction is permitted only when the electronic fingerprint image of the person conducting the transaction basically matches the stored electronic fingerprint image of the individual who is allowed to conduct the transaction. In case of mismatch, permission to conduct a transaction is not given. A device for implementing this method includes a fingerprint scanner associated with a fingerprint image processing unit in electronic form, which is connected to a memory unit with stored electronic fingerprint images of clients and a comparison unit for electronic fingerprint images, and a device for issuing commands allowing or prohibiting a transaction. These method and device disclose the sequence of actions for identifying the person conducting the transaction according to the drawing of the papillary finger pattern, but do not describe how further actions for the passage of means of payment occur.

It is known to use biometric identification in the banking sector to protect corporate information resources. Information is available in Internet resources on the website http://www.halykbank.kz/ru/press-center/news/370 (date of calculation 08.01.2007). The use of biometric identification (according to the papillary finger pattern) in the activities of the Halyk Group allows minimizing the risks associated with the theft of financial resources of the Bank and its customers, eliminating unauthorized financial transactions, as well as the possibility of losing or forging documents with passwords that give access to information resources. The identification procedure is as follows: instead of entering the password, the authorized employee of the Bank presents the scanner with a papillary pattern of any finger of his hand for recognition, if there is confirmation in the identification identification, the employee, within the framework of the authority set for him, gets the right to access certain information and operating systems of the Bank. In essence, the biometric identification of the Bank’s personnel used in this Bank is a system of access restriction and is not intended to carry out any payment for goods and services by a client of the same Bank, which is a drawback.

It is also known the use of payment terminals that identify the payer by fingerprint. This information is available on the Internet at the website http://www.ewmz.ru/texnologii/biometriya-pomogaet-rossijskim-platezhnym-terminalam.php (posted on May 15, 2010). The principle of the proposed payment system is as follows. A client passes registration, while adding popular payments to his “personal account” with very simple comments, for example, “My number”. As a result, on any of the payment terminals that are connected to the system, after the payer touches the scanner with a finger, information about this goes to the server via an encrypted Internet channel. The server determines the identity of the payer and provides all phone numbers, utility account numbers, etc. On the terminal screen, the client selects the record he needs and makes a payment without dialing an account number. The disadvantage of this system is that it has little functionality, because it is “tied” to a certain set of payments (utilities, telephone) and does not allow you to pay for goods and services.

There are well-known vending machines of the Japanese company Hitachi, which identify the buyer by biometric parameters (by the location of blood vessels in the palm of your hand), information on which is available on the Internet resources on the website: http://www.e-vending.ru/en/world_vending /news458-print.html, posting date 07/30/2009. The client pre-registers his biometric parameters in this system and puts some amount of money into the account (bank card). In order to use the vending machine, place your hand on a special sensor for scanning and select the goods from the assortment of goods of the machine. If the client is positively identified, the selected product is given to him, and an amount equal to the value of the goods is debited from the account (bank card). The disadvantage of this device is that the vending machine has a limited set of goods. In addition, the purchase of goods by the client can be made under duress, which makes the client defenseless from illegal actions.

Known systems for remote control of electronic transactions described in patents RU No. 2279135, RU No. 2279136, based on the identification of the payer by his voice data and to improve payment security in payments in communication systems based on the use of wireless mobile communication systems. Known systems have excessive complexity due to the need to translate human speech into a code matrix when identifying the characteristics of the human voice (given the possibility of speech defects due to illness, emotional state). Known systems do not imply the possibility of working with electronic means of payment - smart cards, it is assumed to use a mobile phone as an independent means of payment. In addition, these systems are not designed to pay for goods and services, for example, in a hypermarket.

As a prototype, as the closest in technical essence, the technical solution "System for remote transaction management" is selected, described in patent RU No. 2453921, IPC G07F 19/00, G06Q 20/34, publ. 06/20/2012. The system includes at least one mobile communication network, which includes a set of mobile user communication terminals, base stations and wireless communication channels connecting them, where each mobile terminal is equipped with means for obtaining user biometric data, a set of financial institutions equipped with tools for electronic transactions, and an electronic transaction manager, including tools for generating personal user identifying data I, a means of converting user biometric data into a code matrix, a repository of users' personal identifying data. The system includes a set of plastic cards of users with integrated electronic circuits. Each user’s mobile communication terminal is equipped with a camera for receiving photo and / or video images corresponding to user biometric data, an image point brightness level sensor, a device for reading information from plastic cards with integrated electronic user circuits and recording information on these cards using satellite positioning tools. The prototype allows to obtain a higher reliability of user identification in the system, however, its use when purchasing, for example, products, goods, services, etc. It is associated with the use of a user's mobile terminal (mobile phone) and a smart card, which must be constantly with the user, which in itself is inconvenient to the user, and which may be lost or stolen. In addition, the prototype does not provide a function of protection against transactions under duress, which is its disadvantages.

The problem solved by the utility model is the creation of such a device for paying for goods and services using the biometric parameters of the client, which will make it convenient and safe for the client to make payments for goods and services.

The technical result achieved by the claimed utility model is to enable the client to transmit an “alarm” command to protect the client from making payments under duress.

This is achieved by the fact that in the device for paying for goods and services using the biometric parameters of the client, containing a biometric scanner for scanning the client’s fingerprint and converting the pattern of the papillary pattern using the appropriate software into a mathematical template corresponding to the fingerprint, placed in the scanner and electrically interconnected database of fingerprint templates of registered customers, customer fingerprint identification unit based on database and block assigning a unique code to the customer template fingerprint and his bank account, and the payment for goods and services is made by debiting the client's account the amount of the payment as a result of a positive identification of the customer fingerprint by generating assigning a unique code corresponding to the signal unit, according to the utility model:

- in the template database for each registered client, at least three templates of fingerprints obtained during registration of the client are stored;

- at least one of the fingerprint templates is used by the client when paying for goods and services of their own free will, while in case of positive identification using the database of the fingerprint used by the client to pay for themselves, a signal is generated for debit payment amount from the client’s account;

- another of the templates is used to block payment by the client of his own free will, while in case of positive identification using the fingerprint database used by the client to block payment of his own free will, a signal is generated by the unique code assignment unit to write off the zero payment amount from the client’s account;

- the third template is used to implement the “alarm” command, and in case of positive identification using the fingerprint database used by the client to implement the “alarm” command, a scanner identification block generates a signal to block the client’s account and activate the “alarm” command.

A useful model is illustrated in Fig., Which shows a functional block diagram of a device. A device for paying for goods and services using biometric parameters of a client (embodiment) contains a biometric scanner 1, for example, an optical one with a sensing element (prism) 2 for scanning a client’s fingerprint and converting the resulting papillary pattern using the appropriate software located in the scanner circuit , into a mathematical pattern corresponding to a fingerprint, which is a matrix of zeros and ones. The scanner 1 contains a database of 3 fingerprint templates of registered clients, which is a memory block, an identification block of 4 fingerprints of clients based on database 3, and a unique code assignment unit (ID code) 5 for the client’s fingerprint template and its account. Inside the scanner 1, blocks 3, 4, and 5 are electrically interconnected by bis sensing element 2 of the scanner. In the database 3 for each client, at least three templates of different fingerprints obtained during registration of the client are stored. The fingers to be registered are selected by the client independently, but the registered fingers should not have obvious defects in the pattern of the papillary pattern, for example, deep scars, severe burns, etc. At the same time, at least one of the client’s fingerprint templates is used when paying for goods and services by the client of his own free will (i.e., without forcing the client to pay by someone), the other of the templates is used to block the payment of the client of his own free will (canceling payment), and the third template is used to implement the revoga "formed by assigning a unique code block 5, i.e. in emergency cases, for example, when a client is forced to make any payments against his will. The inventive device can be connected to a payment terminal, ATM, etc.

The operation of the above device is as follows. Pre-register a client, for example, as a user of the services of any organization or institution (store, bank, etc.). Using the scanner 1, using the sensor 2, the client scans the fingerprints of at least three different fingers, choosing which fingerprint will be used to make payment, which fingerprint will be used to block payment, and which fingerprint will be used to implement the “alarm” command. The scanner 1 by means of a sensitive element 2 and the corresponding software converts the patterns of papillary finger patterns into mathematical patterns, which are transmitted via link 6 to the pattern database 3, and a unique code (ID code) is assigned to the memory cell with patterns using block 5. A unique unique code is assigned to the account selected at the request of the client. Thus, the client’s fingerprint templates are “tied” to the account, i.e. customer’s fingerprint templates and his account are depersonalized by assigning them an ID code. During registration, the client can set a certain threshold value for the amount of a one-time payment and the frequency of payments. If the specified threshold value is exceeded, payment can be made using two (or more) fingerprint templates, respectively, the client must register these fingerprints. At the same time, fingerprint templates used to block payment and to implement the “alarm” command are also saved.

When paying for goods and services, a registered client enters the amount to be paid, for example, at the terminal and puts (in the absence of coercion to pay) a finger, used to pay at will, to scanner 1 (to the sensitive element 2 of scanner 1), which converts the papillary pattern a pattern into a mathematical template corresponding to the fingerprint, which is sent via communication 6 to the identification unit 4 and identified by the database of 3 templates of registered customers. In case of positive identification by unit 5 of assigning a unique code, a signal is generated to write off the payment amount from the client’s account, which is sent to output 7. If the payment amount exceeds a certain threshold value set by the client during registration, or when the client makes payments more often than after a certain period of time, set by the client during registration, the client pays using two (or more) fingerprints selected by the client during registration. When 1 client’s finger is applied to the scanner used to block (cancel) the payment, the client is identified in the same way as if he had applied the finger used for payment to the scanner, however, the unique code assignment unit 5 generates a signal to deduct a zero amount from the client’s account payment, i.e. no funds are debited from the client in this case. If the client is forced to make any payment, he puts a finger on the scanner, the fingerprint of which is used to implement the "alarm" command. Based on the results of the positive identification of the client’s fingerprint, the unique code assignment unit 5 generates a signal to block the client’s account and activate the “alarm” command, transmitted, for example, to the terminal to which the quick response group arrives. Unlocking the client’s account is done by specialists when the client contacts them.

The claimed technical solution and its distinguishing features are new in comparison with the prototype, therefore, the utility model meets the criterion of "novelty."

This technical solution can be reproduced industrially, therefore, it meets the criterion of "industrial applicability".

The application of the proposed technical solution allows you to pay for goods and services without bank cards, since payment is done with the help of fingers, and also performs the functions of protecting the client from illegal actions.

Structurally, the claimed technical solution can be executed in a single building, for example, a terminal or an ATM, and can be installed in any institution.

Given the novelty of the proposed technical solution and industrial applicability, applicants believe that it can be protected by a patent for a utility model.

Claims (1)

A device for paying for goods and services using biometric parameters of a client, comprising a biometric scanner for scanning a client’s fingerprint and converting a papillary pattern using appropriate software into a mathematical template corresponding to the fingerprint, placed in the scanner and electrically connected to each other a database of registered fingerprint patterns clients, database fingerprint identification unit and unique assignment unit code for the customer’s fingerprint template and its account, while payment for goods and services is carried out by debiting the payment amount from the customer’s account according to the results of positive identification of the customer’s fingerprint by generating a unique code for the corresponding signal, which is different in the database of templates for each registered customer stores at least three different fingerprint templates obtained during registration of the customer, at least one of which is used by the customer when paying for goods and services of their own free will, while in case of positive identification using the fingerprint database used by the client to pay at their own will, a signal is generated by the assignment unit of the unique scanner code to deduct the payment amount from the customer’s account, another of the templates is used to blocking payment by the client of his own free will, while in case of positive identification using the fingerprint database used by the client to block payment of his own free will, a unique code assignment unit is generated I’m a signal to write off the zero payment amount from the client’s account, and the third template is used to implement the “alarm” command, and in case of positive identification using the fingerprint database used by the client to implement the “alarm” command, a signal is generated by the unique code assignment unit blocking the client’s account and activating the “alarm” command.