Finger-ring terminal and information processing system using finger-ring terminal

Abstract

To provide a finger-ring terminal including both a function of acquiring biological information and a settlement function built in one terminal, and information processing system using the finger-ring terminal.SOLUTION: An information processing system 1 comprises a finger-ring terminal 10 used with it worn on a finger of a person, and a server 2, connected to an external terminal via a network N, where the finger-ring terminal 10 includes both of a settlement function part 20 for reading internal information by holding an outer surface 11 over a prescribed settlement terminal to settle a transaction, and a biological information acquisition part 30 for acquiring the biological information of the person from an inner surface 12 in contact with the finger wearing it.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a finger ring terminal and an information processing system using the finger ring terminal. [Background technology]

[0002] In recent years, various wearable devices that acquire biometric information of a wearer have been proposed, including a ring-shaped terminal (see, for example, Patent Document 1). In addition, in response to the spread of touch payment, ring-shaped terminals with payment functions have also been proposed. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2022-159980 Summary of the Invention [Problem to be solved by the invention]

[0004] However, in the past, a ring-type terminal for acquiring biometric information and a ring-type terminal for payment functions were separate devices, so in order to use both functions, it was necessary to wear both ring-type terminals. For this reason, wearing multiple ring-type terminals was troublesome and bulky, which caused problems.

[0005] The present invention has been made in consideration of these problems, and aims to provide a ring-type terminal that has both the function of acquiring biometric information and the function of making a payment built into a single terminal, and an information processing system that uses the ring-type terminal. [Means for solving the problem]

[0006] In order to achieve this object, the present invention provides an information processing system in which a ring-shaped terminal worn on a person's finger, a server, and an external terminal are connected via a network, the ring-shaped terminal having both a payment function unit that performs payment of a transaction by holding an outer surface of the ring-shaped terminal over a predetermined payment terminal to read internal information, and a biometric information acquisition unit that acquires biometric information of the person from the inner surface of the ring-shaped terminal that comes into contact with the finger on which the ring-shaped terminal is worn. The payment function unit has a payment information storage unit and a payment information communication unit, and is configured such that the payment information storage unit and the payment terminal are connected via the payment information communication unit, and the internal information stored in the payment information storage unit is transmitted to the payment terminal to perform payment at the payment terminal, and record information of the payment is accumulated from the payment information communication unit to the server, and the biometric information acquisition unit has a sensor unit, a biometric information storage unit, and a biometric information communication unit, and has the sensor unit on at least the inner surface, and the biometric information acquired from the sensor unit is transmitted to the payment terminal. and a server internal payment information storage unit that stores the payment record information of the person acquired from the ring-type terminal, a server internal credit information storage unit that stores the financial situation of the person, a server internal biometric information storage unit that stores the biometric information of the person acquired from the ring-type terminal, and an AI concierge function unit that can give advice to the person via the external terminal, and when the AI ​​concierge function unit of the server checks the biometric information of the person that is not good in the server internal biometric information storage unit, the AI ​​concierge function unit provides advice to the person via the external terminal that will lead to the improvement of the biometric information of the person, taking into consideration the financial situation of the person stored in the server internal credit information storage unit. Furthermore, in addition to the configuration described above, the present invention is an information processing system that is configured so that when the AI ​​concierge function unit of the server confirms that the person is about to make an expenditure, the AI ​​concierge function unit refers to at least one of the economic situation stored in the credit information storage unit in the server and the biometric information stored in the biometric information storage unit in the server, takes into consideration at least one of the economic situation and health condition with respect to the intended expenditure, and provides advice to the person via the external terminal.

[0007] The present invention is also characterized in that the finger ring terminal is used in the information processing system of the present invention.

[0008] The present invention is also characterized in that the server is used in the information processing system of the present invention. Effect of the Invention

[0009] According to the present invention, a convenient ring-shaped terminal incorporates both the functions of acquiring biometric information and the function of making a payment into a single terminal, allowing users to use both functions simply and smartly.

[0010] Furthermore, according to the present invention, a convenient finger ring type terminal can be configured with a specific configuration in which the payment function unit has a payment information storage unit and a payment information communication unit.

[0011] Furthermore, according to the present invention, a convenient finger ring type terminal can be configured with a specific configuration in which the biometric information acquisition unit has a sensor unit, a biometric information storage unit, and a biometric information communication unit.

[0012] In addition, according to the present invention, since the payment information communication unit and the biometric information communication unit are configured as a common communication unit, the number of components can be reduced, lowering costs and providing a simple configuration.

[0013] Furthermore, according to the present invention, since the payment information storage unit and the biometric information storage unit are configured in a common storage unit, the number of components can be reduced, lowering costs and providing a simple configuration.

[0014] Furthermore, according to the present invention, a convenient information processing system can be provided that uses a convenient ring-type terminal that incorporates both the functions of acquiring biometric information and the function of making a payment into a single terminal, and since the payment record information and the biometric information are stored together and are retrieved as a single piece of information when retrieving information, it is possible to provide the individual with payment information, health management information, etc. that take various pieces of information into account.

[0015] In addition, according to the present invention, AI can predict an individual's health and financial condition based on payment information and biometric information, and provide necessary advice and guidelines for action, making it possible to provide advice that is more tailored to the individual. [Brief description of the drawings]

[0016] [Figure 1] 1 is a perspective view showing a finger ring type terminal according to an embodiment of the present invention; [Diagram 2] FIG. 2 is a cross-sectional view showing a finger ring type terminal according to the embodiment. [Diagram 3] 2 is a perspective view showing a charging dongle for the finger ring terminal according to the embodiment. FIG. [Figure 4] 11 is a perspective view showing a state in which the finger ring terminal according to the embodiment is attached to a charging dongle. FIG. [Diagram 5] 1 is a system configuration diagram illustrating an information processing system according to an embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0017] Hereinafter, an embodiment of the present invention will be described with reference to FIGS. <Configuration of the finger ring device> First, a finger ring type terminal 10 according to the present embodiment will be described with reference to FIGS. 1 to 5. FIG.

[0018] The finger ring terminal 10 of this embodiment is to be worn on a person's finger and is configured in a substantially circular ring shape as shown in Fig. 1, and here is formed to a predetermined width (approximately 10 mm) and a predetermined thickness (approximately 5.1 mm at the top and 3.1 mm at the bottom in Fig. 1). The frame of this finger ring terminal 10 is made of ceramic, plastic, artificial carbon fiber, epoxy resin, etc. Also, this finger ring terminal 10 is configured to have IPX7 & IPX6 waterproof performance, assuming use in everyday life.

[0019] 2, the ring-type terminal 10 has both a payment function unit 20 that provides a payment function and a biometric information acquisition unit 30 that provides a biometric information acquisition function, and an electronic device such as a chip incorporating these functions is disposed inside the upper part 13 of the ring. A battery 14 is disposed inside 13 from the bottom to the side, and the biometric information acquisition unit 30 functions by receiving power from the battery 14. The payment function unit 20 in this embodiment is configured using an NFC function, and can therefore be operated without a power source.

[0020] A charging terminal 15 for charging the battery 14 is disposed so as to expose the inner surface 12 of the finger ring type terminal 10. A single full charge of about 90 minutes usually allows operation for 2 to 5 days.

[0021] To charge this battery 14, a charging dongle 40 as shown in Fig. 3 is used. This dongle 40 has a power supply terminal 41 (here, a USB terminal) that is inserted into a power source, and a ring-type terminal placement section 42 consisting of large and small cylindrical sections into which the ring-type terminal 10 is fitted and installed, and a charging terminal 43 is provided on the surface of this ring-type terminal placement section 42 that comes into contact with the inner surface 12 of the ring-type terminal 10. In addition, a charging position alignment section 44 (here, a triangular mark) is provided near the part where this charging terminal 43 is located, and as shown in Fig. 4, by aligning the charging position alignment section 16 of the ring-type terminal 10 with this charging position alignment section 44, the charging terminals 15, 43 are arranged in the same position.

[0022] Next, each function will be described. The payment function unit 20 provided in the ring-shaped terminal 10 of this embodiment performs payment of a transaction by holding the outer surface 11 of the ring-shaped terminal 10 over a predetermined payment terminal (not shown) installed in a store or the like, and having the payment terminal read the internal information written in the chip inside 13 of the upper part of the ring. In this embodiment, a method using the NFC function is adopted, and here, as shown in Fig. 5, the configuration has a payment information storage unit 21 and a payment information communication unit 22.

[0023] Of these, the payment information storage unit 21 is a functional unit that stores information required during a transaction, such as user information, authentication-related information with the payment terminal, a payment message encryption key, and authentication success / failure information, and is configured to read and write information according to the payment. The payment information communication unit 22 is an antenna unit that communicates with a payment terminal installed in a store or the like, and is configured to connect the payment information storage unit 21 and the payment terminal via this, sending internal information from the payment information storage unit 21 to the payment terminal, and also sending information from the payment terminal to the payment information storage unit 21.

[0024] The biometric information acquiring unit 30 acquires the biometric information of the person from the inner surface 11 that comes into contact with the finger on which the device is worn. In this embodiment, a method using a wireless communication function such as Bluetooth (registered trademark) is adopted, and the device is configured to include a sensor unit 31, a biometric information storage unit 32, and a biometric information communication unit 33, as shown in FIG.

[0025] Among these, the sensor unit 31 on the inner surface is a portion that directly acquires biological information, and here, the sensor unit 31 is provided on the inner surface 11 of the upper part of the ring using a contact sensor or the like. Note that the sensor unit is not limited to this, and other types of sensor units may be adopted, and one or more sensor units may be provided in addition to this sensor unit. The sensor unit 31 of this embodiment also has a heart rate sensor, a temperature sensor, and an acceleration sensor. These sensors are configured to automatically perform measurement at predetermined intervals (for example, 5, 10, 15, 30, 60, 90, 120 minutes, etc.), thereby making it possible to measure the heart rate.

[0026] It also measures calories burned, steps taken, sleep time (information is collected in four categories: non-REM, deep, light, and awake), body temperature, etc., and records the results.

[0027] The biological information storage unit 32 is a section for temporarily storing the biological information acquired from the sensor unit 31. Here, the results and numerical values ​​as described above can be temporarily stored (for a maximum of 14 days).

[0028] Moreover, the biometric information communication unit 33 transmits the biometric information stored in the biometric information storage unit 32 to the external server 2 at a predetermined timing. Here, as described above, the biometric information is transmitted to an external terminal or the like by wireless communication such as Bluetooth (registered trademark), and may be transmitted to a linked smartphone, for example, and the smartphone may transmit the information to the server 2 via the network N. Alternatively, the biometric information may be transmitted by another means.

[0029] This predetermined timing may be real-time, or may be transmitted at regular intervals. The biological information acquired here is stored in the server storage unit 3 of the server 2 and is used as a guide for the person's health condition, economic activities, and other actions.

[0030] In this embodiment, the payment information communication unit 22 and the biometric information communication unit 33 are of different methods and operate on different systems, but this is not limited thereto, and the payment information communication unit 22 and the biometric information communication unit 33 may adopt the same method and be configured as a common communication unit. This allows a common configuration to be used within the ring type terminal 10, reducing the number of parts (reducing the number of components), lowering costs, and potentially simplifying the configuration, resulting in a more convenient ring type terminal 10.

[0031] Similarly, the payment information storage unit 21 and the biometric information storage unit 32 may be configured as a common storage unit. This also allows a common configuration to be used within the ring type terminal 10, which can reduce the number of parts (the number of components) and further reduce costs, potentially resulting in a simpler configuration and making the ring type terminal 10 even more convenient.

[0032] As described above, according to the finger ring type terminal 10 of this embodiment, by incorporating both the function of acquiring biometric information (biometric information acquisition unit 30) and the function of payment (payment function unit 20) into a single terminal, it is possible to make the finger ring type terminal 10 convenient and enable the use of both functions simply and smartly.

[0033] Furthermore, in this embodiment, the payment function unit 20 has a specific configuration including a payment information storage unit 21 and a payment information communication unit 22, making it possible to configure a convenient finger ring terminal 10.

[0034] Furthermore, in this embodiment, the biometric information acquisition unit 30 has a specific configuration including a sensor unit 31, a biometric information storage unit 32, and a biometric information communication unit 33, thereby enabling the construction of a convenient finger ring type terminal 10.

[0035] Furthermore, if the payment information communication unit 22 and the biometric information communication unit 33 are configured as a common communication unit, the number of components can be reduced, lowering costs and making the configuration simpler.

[0036] Furthermore, if the payment information storage unit 21 and the biometric information storage unit 32 are configured as a common storage unit, the number of components can be further reduced, leading to a simpler configuration and lowering costs. <System configuration> Hereinafter, an information processing system 1 according to this embodiment will be described with reference to Fig. 5. In this information processing system 1, a ring-type terminal 10 that is worn on a person's finger and used as described above is connected to a server 2 via a network N. Note that the ring-type terminal 10 used here is the same as that described above, so a detailed description thereof will be omitted here.

[0037] The finger ring type terminal 10 of this embodiment has a payment function unit 20 and a biometric information acquisition unit 30 in one terminal. Of these, the payment function unit 20 has a payment information storage unit 21 and a payment information communication unit 22, and is configured such that the payment information storage unit 21 and the payment terminal are connected via the payment information communication unit 22, and by transmitting internal information stored in the payment information storage unit 21 to the payment terminal, payment is made at the payment terminal, and record information of the payment is stored in the server 2 from the payment information communication unit 22 via the payment terminal, etc.

[0038] In addition, the biometric information acquisition unit 30 has a sensor unit 31, a biometric information storage unit 32, and a biometric information communication unit 33, and has the sensor unit 31 on at least the inner surface 12, and is configured to store the biometric information acquired from the sensor unit 31 in the biometric information storage unit 32, and to transmit the biometric information stored in the biometric information storage unit 32 from the biometric information communication unit 33 to the server 2 at a predetermined timing and accumulate it.

[0039] Meanwhile, the server 2 stores the payment record information and biometric information acquired by the ring-type terminal 10 together for each person, and when retrieving the information of the person, the information is retrieved as a single piece of information so that it can be utilized in the person's subsequent actions. In this embodiment, the server 2 has a server internal storage unit 3 and an AI concierge function unit 7, and the server internal storage unit 3 further has a server internal payment information storage unit 4, a server internal biometric information storage unit 5, and a server internal credit information storage unit 6. Although not shown in the figure, the server internal storage unit 3 and the AI ​​concierge function unit 7 are provided for each person, and are adapted to operate for each person.

[0040] Among these, the server internal storage unit 3 sorts and stores the biometric information, payment information, and other information sent from the ring-type terminal 10 at any time or periodically. Here, the server internal storage unit 3 is configured to store information by classification, and for example, in this embodiment, it has a server internal payment information storage unit 4 and a server internal biometric information storage unit 5, and further has a server internal credit information storage unit 6.

[0041] The payment information storage unit 4 in the server stores payment information when a payment is made using the ring-type terminal 10, and stores the items purchased by the person, the price, the store, the area, etc.

[0042] In addition, the biometric information storage unit 5 in the server stores the trends in the biometric information of the person obtained from the sensor unit 31 of the ring-type terminal 10 at any time or periodically, and as a result, the health condition of the person (the person wearing the ring-type terminal 10) is grasped and the person's future health risks are managed by comparing it with statistical data, etc.

[0043] The server credit information storage unit 6 collects information on the person's bank, credit card, etc., and grasps and stores the person's economic situation.

[0044] In this embodiment, the server internal storage unit 3 is configured to include the above-mentioned three storage units 4, 5, and 6, but this is not limiting and the server internal storage unit 3 may have a storage unit for storing other information. Also, other information may be stored together in the above-mentioned three storage units 4, 5, and 6, and these may be used in a comprehensive manner.

[0045] For example, it may be possible to link with other tools, banks, credit cards, smartphones, apps, etc. to further grasp the person's economic trends, such as purchases other than those made using the ring-type device 10, income and expenditure, savings, investments, etc.

[0046] In addition, the health condition may be linked to a smart watch, a weighing scale with a communication function, a body fat scale, a blood pressure monitor, etc., and this information may be stored in the server's biological information storage unit 5. Furthermore, if the information can be comprehensively collected by appropriately linking with the results of health checkups, hospital charts, etc., a more accurate assessment of the health condition can be made.

[0047] In addition, the AI ​​concierge function unit 7 uses AI to predict the health and economic conditions of the person based on various stored information, including the person's payment record information and biometric information, and information on the Internet, all of which are stored in the server internal storage unit 3 of the server 2, and provide the person with necessary advice and guidelines for action. At that time, the process is carried out in a conversational format with the AI ​​concierge using the so-called generative AI function such as ChatGPT.

[0048] For example, when you wake up in the morning or commute to work, AI: How are you? Person in question: It's fine. AI: (Based on the person's data such as sleep time) That's a lie. You only slept for 3 hours. Would you like to book a massage so you don't get so tired? Person in question: Please. AI: (Based on the individual's data such as schedule, income and expenditure, health condition, etc. and nearby internet search) I have an hour free from today, XX day, at XX o'clock, so I'll book a massage at XX Acupuncture Clinic. Based on my physical condition today, I think the XX course for XX yen would be good. Is that okay? Person in question: That's it. AI: Understood. Reservation completed. It is expected that such interactions will take place between the person in question and the AI ​​concierge.

[0049] In addition, when you open the payment app to make a big purchase on credit or prepare to read the card, AI: Are you planning to buy this item? Person in question: That's right. AI: (Based on your personal data, such as income and expenditure information, recent spending habits, and health condition) At this price, you may not be able to pay off the loan. Would you like to consider something a little more affordable? Person in question: What do you recommend? AI: (Again based on the individual's data such as income and expenditure information, preference patterns, health condition, etc., as well as online searches) Here's something like this. What do you think? I think you'll be able to pay for this without any trouble. Person in question: That's a request. AI: Understood. I will proceed with the purchase. It is expected that such interactions will take place between the person in question and the AI ​​concierge.

[0050] As described above, according to the information processing system 1 of this embodiment, a convenient information processing system 1 can be provided that uses a convenient ring-type terminal 10 that has both the function of acquiring biometric information (biometric information acquisition unit 30) and the function of payment (payment function unit 20) built into a single terminal, and payment record information and biometric information are stored together and are retrieved as a single piece of information when retrieving information. Therefore, payment information, health management information, etc. that take various information into account can be provided to the person.

[0051] In addition, in this embodiment, the AI ​​can predict a person's health and financial condition based on payment information and biometric information, and provide necessary advice and guidelines for action, making it possible to provide advice that is more tailored to the individual.

[0052] The present invention is not limited to the above-described embodiment, and may be modified as appropriate. For example, a decision may be made when granting credit by taking into account a person's healthy life expectancy based on information such as health status, payment information, and income and expenditure.

[0053] The payment function unit 20 of the finger ring terminal 10 may have other functions in addition to payment. For example, it may be used as a smart key for a house, a company, a warehouse, etc. It may also have the functions of a health insurance card or a My Number card. [Explanation of symbols]

[0054] 1. Information Processing Systems 2 Server 3. Server internal storage 4. Payment information storage section in server 5. Biometric information storage unit in server 6. Server credit information storage section 7 AI Concierge Function Department 10 Finger Ring Device 11 Outer surface 12 Inner surface 13 Inside 14 Battery 15 Charging terminal 16 Charging position adjustment section 20 Payment Function Department 21 Payment information storage unit 22 Payment and Information Communication Department 30 Biometric information acquisition unit 31 Sensor section 32 Biometric information storage unit 33 Biometric Information and Communications Department 40 Charging dongle 41 Power supply terminal 42 Ring-shaped terminal placement section 43 Charging terminal 44 Charging position adjustment section N Network

Claims

1. An information processing system in which a ring-shaped terminal worn on a person's finger, a server, and an external terminal are connected via a network, The finger ring type terminal includes: a payment function unit that reads the internal information by holding the outer surface of the card over a specified payment terminal to settle the transaction; a biometric information acquisition unit that acquires biometric information of the person from an inner surface of the finger that is in contact with the finger on which the device is worn; It has both The payment function unit has a payment information storage unit and a payment information communication unit, and is configured to connect the payment information storage unit and the payment terminal via the payment information communication unit, transmit internal information stored in the payment information storage unit to the payment terminal, perform payment at the payment terminal, and accumulate record information of the payment from the payment information communication unit to the server, the biometric information acquisition unit has a sensor unit, a biometric information storage unit, and a biometric information communication unit, and has the sensor unit on at least the inner surface, and is configured to store the biometric information acquired from the sensor unit in the biometric information storage unit, and to transmit the biometric information stored in the biometric information storage unit from the biometric information communication unit to the server at a predetermined timing for accumulation; the server includes a payment information storage unit within the server that stores record information of the payment of the person acquired from the ring-type terminal, a credit information storage unit within the server that stores the economic situation of the person, a biometric information storage unit within the server that stores the biometric information of the person acquired from the ring-type terminal, and an AI concierge function unit that can give advice to the person via the external terminal; An information processing system characterized in that, when the AI ​​concierge function unit of the server checks the unhealthy biometric information of the person in the biometric information storage unit in the server, the AI ​​concierge function unit is configured to provide the person via the external terminal with advice that will lead to the improvement of the person's biometric information, taking into consideration the person's economic situation stored in the credit information storage unit in the server.

2. Furthermore, the information processing system of claim 1 is configured to, when the AI ​​concierge function unit of the server confirms that the person is about to make an expenditure, refer to at least one of the economic situation stored in the credit information storage unit in the server and the biometric information stored in the biometric information storage unit in the server, take into consideration at least one of the economic situation and health condition with respect to the intended expenditure, and provide advice to the person via the external terminal.

3. 3. A finger ring terminal used in the information processing system according to claim 1 or 2.

4. 3. A server used in the information processing system according to claim 1 or 2.

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