Settlement terminal, method, and program

Abstract

To provide a settlement terminal, a method, and a program for a user-friendly settlement authentication system while securing authentication accuracy.SOLUTION: A settlement terminal includes: settlement information acquisition means which acquires settlement information including a purchase price of a commodity; color display means which displays a plurality of colors to be selected; color information acquisition means which acquires color information including combinations and selection order of colors selected by a user from among the colors; palm information acquisition means which acquires palm information of the user; authentication information transmission means which transmits authentication information including the color information and the palm information to the authentication information; authentication result receiving means which receives an authentication result from an authentication server; and a settlement information transmission unit which transmits the settlement information to a settlement system in accordance with the authentication result.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present disclosure relates to a payment terminal, a method, and a program, and more particularly to a payment terminal, a method, and a program for a payment authentication system that uses palm authentication. [Background technology]

[0002] Traditionally, cashless payments using mobile devices such as smartphones have been widely used, including barcode payments, QR code payments, and payments using credit cards registered on the mobile device. In recent years, cashless payments using palm authentication have begun to be introduced, which eliminates the need to even carry a mobile device.

[0003] An overview of a conventional payment authentication system that uses palm authentication will be described with reference to Figure 6. In a payment authentication system that uses palm authentication, a user registers their palm information in advance in the payment authentication system using a user terminal 601 such as a PC (personal computer) or mobile terminal. Then, when paying for a product purchase at a store, the user makes the payment by holding their palm over a camera-equipped payment terminal 602. In such a payment authentication system, user authentication is performed by verifying the user's palm information, and if user authentication is successful, the payment process for the purchase price is carried out. [Prior art documents] [Non-patent literature]

[0004] [Non-Patent Document 1] Matt Roemer, “Simplify your customer experience with Amazon One,” [online], December 27, 2022, [Retrieved March 1, 2024], Internet<URL:hhttps: / / aws.amazon.com / jp / blogs / news / simplify-consumer-experiences-using-amazon-one / > [Non-patent document 2] Gi-Yeul Bae and 3 others, "Why some colors appear more memorable than others: A model combining categories and particulars in color working memory", [online], May 18, 2015, Journal of experimental psychology. General, [Retrieved March 1, 2024], Internet<https: / / pubmed.ncbi.nlm.nih.gov / 25985259 / > [Non-patent document 3] Thomas Sanocki, 1 other person, “Color relations increase the capacity of visual short-term memory”, [online], January 1, 2011, [Retrieved March 1, 2020], Internet<https: / / pubmed.ncbi.nlm.nih.gov / 21936293 / > Summary of the Invention [Problem to be solved by the invention]

[0005] However, it is known that palm authentication has limitations in its accuracy. Specifically, the maximum number of users that can be authenticated after comparing one palm image with the registered palm images of many users and identifying matching profiles is several hundred thousand. If the number of users exceeds this limit, the authentication accuracy will decrease.

[0006] For example, in the palm payment service introduced by Amazon in some of its stores in the United States (see Non-Patent Document 1), the users who can be authenticated are limited to each terminal installed in the store. As a result, users can only use palm authentication at stores where they have pre-registered.

[0007] Alternatively, there is a method to uniquely identify a user by entering a phone number before biometric authentication (i.e., two-factor authentication using phone number), but the operation of entering a number of about 10 digits is cumbersome and prone to input errors, making it difficult for users to use.

[0008] The present disclosure has been made in consideration of such problems, and aims to provide a payment terminal, method, and program for a payment authentication system that is easier for users to use while ensuring authentication accuracy. [Means for solving the problem]

[0009] A payment terminal according to one aspect of the present disclosure includes: a payment information acquisition means for acquiring payment information including the purchase price of the product; a color display means for displaying a plurality of selectable colors; a color information acquisition means for acquiring color information including a combination of colors selected by a user from the plurality of colors and the selection order of the colors; palm information acquisition means for acquiring palm information of the user; an authentication information transmitting means for transmitting authentication information including the color information and the palm information to an authentication server; an authentication result receiving means for receiving an authentication result from the authentication server; a payment information transmitting unit that transmits the payment information to a payment system according to the authentication result; The present invention is characterized by the following.

[0010] Also, a method according to one aspect of the present disclosure includes: 1. A method implemented by a payment terminal, comprising: acquiring payment information including the purchase price of the product; displaying a plurality of selectable colors; acquiring color information including a combination of colors selected by a user from the plurality of colors and the selection order of the colors; acquiring palm information of the user; transmitting authentication information including the color information and the palm information to an authentication server; receiving an authentication result from the authentication server; transmitting the payment information to a payment system according to the authentication result; The present invention is characterized by comprising:

[0011] Furthermore, a program according to one aspect of the present disclosure is characterized by causing a computer to execute the above method. [Effects of the Invention]

[0012] According to the present disclosure, it is possible to provide a payment terminal, method, and program for a payment authentication system that is easier for users to use while ensuring authentication accuracy. [Brief explanation of the drawings]

[0013] [Figure 1] 1 is a schematic configuration diagram of a payment system according to an embodiment. [Figure 2] FIG. 2 is a diagram illustrating an example of the hardware configuration of a computer according to an embodiment. [Figure 3] FIG. 10 is a diagram illustrating a color selection screen according to an embodiment. [Figure 4] FIG. 10 is a sequence diagram of an authentication information registration process according to an embodiment. [Figure 5] FIG. 10 is a sequence diagram of authentication and payment processing according to an embodiment. [Figure 6] FIG. 1 is a diagram illustrating conventional palm authentication. DETAILED DESCRIPTION OF THE INVENTION

[0014] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. Throughout this specification and the accompanying drawings, the same elements are designated by the same reference numerals, and redundant explanations will be omitted.

[0015] (overview) The present disclosure provides a payment authentication system that uses palm authentication, a type of biometric authentication, combined with color-based authentication as two-factor authentication, thereby enabling payments using palm authentication while ensuring authentication accuracy and without sacrificing ease of use for users. Palm authentication can include palm print authentication and vein authentication. Palm print authentication is an authentication method that uses the characteristics of the vein pattern on the entire palm. Vein authentication is an authentication method that uses the vein pattern of the palm. The palm authentication disclosed herein can be performed using well-known methods.

[0016] (System and functional configuration) 1 is a schematic diagram of a payment authentication system using palm authentication according to one embodiment. The payment authentication system 100 includes a user terminal 101, an authentication server 102, a payment terminal 103, and a payment system 104.

[0017] The user terminal 101 may be a terminal such as a personal computer (PC), or may be a mobile terminal such as a tablet terminal or a smartphone. The user terminal 101 is connected to the authentication server 102 via a network 105 so that they can communicate with each other. The network 105 may be a public line network such as the Internet. The user terminal 101 may also be equipped with a web browser and may communicate with the authentication server 102 via the web browser. Alternatively, the user terminal 101 may be equipped with a dedicated authentication application and may communicate with the authentication server 102 via the authentication application.

[0018] The user terminal 101 also includes a payment method registration unit 111, a color information registration unit 112, and a palm information registration unit 113.

[0019] The payment method registration unit 111 registers the credit card information or debit card information entered by the user as a payment method. Credit card information includes the credit card number, expiration date, name, and security code. Debit card information includes the debit card number, expiration date, name, and security code. However, payment methods are not limited to these.

[0020] The color information registration unit 112 registers the color pattern input by the user as color information. The color pattern can be color information including a combination of four colors selected from the 12 colors displayed on the display of the user terminal 101 and the selection order. Details will be described later.

[0021] The palm information registration unit 113 registers palm image data generated by capturing an image with the camera of the user terminal 101 as palm information. The payment method, color information, and palm information registered in the user terminal 101 are transmitted to the authentication server 102 via the network 105. The image data is image data that can identify the veins and palm print of the palm. Note that the palm information is not limited to image data, and may be palm characteristic information generated by analyzing the image data.

[0022] The authentication server 102 may be composed of one or more server devices. The authentication server 102 is communicatively connected to the user terminal 101 via a network 105, and is communicatively connected to the payment terminal 103 via a network 106.

[0023] The authentication server 102 also includes an information registration unit 121 and a matching unit 122 . The information registration unit 121 registers the payment method, color information, and palm information received from the user terminal 101. In response to a user inquiry request from the payment terminal 103, the matching unit 122 matches the color information and palm information stored in the information registration unit 121 with the color information and palm information received from the payment terminal 103 to perform user authentication. If the combination of color information and palm information stored in the information registration unit 121 matches the combination of color information and palm information received from the payment terminal 103, it is determined that user authentication has been successful. On the other hand, if the combination of color information and palm information stored in the information registration unit 121 does not match the combination of color information and palm information received from the payment terminal 103, it is determined that user authentication has failed. The inquiry result is sent to the payment terminal 103.

[0024] The payment terminal 103 is a payment terminal installed in a store. The payment terminal 103 is communicably connected to the authentication server 102 via a network 106, and is communicably connected to the payment system 104 via a network 107.

[0025] The payment terminal 103 also includes a payment information acquisition unit 131, a color display unit 132, a color information acquisition unit 133, a palm information acquisition unit 134, an authentication information transmission unit 135, an authentication result reception unit 136, and a payment information linking unit 137.

[0026] The payment information acquisition unit 131 acquires payment information including the payment amount and payment method input by a store clerk. The payment amount is the purchase price of the product. The payment method is notified to the store clerk by the user when paying for the product at the store, and the clerk registers it. The payment terminal 103 can handle not only payments using palm authentication according to the present disclosure, but also conventional credit card payments, debit card payments, barcode payments, and QR code payments using mobile devices such as smartphones. Therefore, when making a payment, the user specifies the desired payment method from among these multiple payment methods. Alternatively, the payment method may be input by the user into the payment terminal 103.

[0027] The color display unit 132 displays a plurality of selectable colors. In this embodiment, the color display unit 132 displays 12 colors in a 3×4 array. Details will be described later with reference to FIG.

[0028] The color information acquisition unit 133 acquires color information including the combination of colors selected by the user from the plurality of colors displayed by the color display unit 132 and the selection order of the colors. In this embodiment, four colors are selected by the user from the twelve colors displayed by the color display unit 132.

[0029] The palm information acquisition unit 134 acquires palm information of the user that is captured and generated by the camera of the payment terminal 103. In this embodiment, image data or feature information of the palm is acquired as the palm information.

[0030] The authentication information transmitting unit 135 transmits the authentication information including the color information acquired by the color information acquiring unit 133 and the palm information acquired by the palm information acquiring unit 134 to the authentication server 102.

[0031] The authentication result receiving unit 136 receives the authentication result of the user from the authentication server 102 .

[0032] Depending on the authentication result, the payment information linking unit 137 links the payment information acquired by the payment information acquisition unit 131 to the payment system 104. Specifically, if the user authentication is successful, the payment information linking unit 137 transmits the payment information to the payment system 104. In other words, the payment information linking unit 137 can function as a payment information transmission unit.

[0033] The payment system 104 may be configured with one or more server devices. The payment system 104 is communicably connected to the payment terminal 103 via a network 107.

[0034] The payment system 104 also includes a payment processing unit 141. The payment processing unit 141 performs payment processing in accordance with the payment information received from the payment terminal 103. The payment system 104 can be a credit card payment system or a debit card payment system.

[0035] The system and functional configuration of the payment authentication system according to one embodiment have been described above, but the above configuration is merely an example and is not limiting. For example, the user terminal 101, authentication server 102, payment terminal 103, and payment system 104 may also include other functional units.

[0036] (Computer hardware configuration) Figure 2 shows an example of the hardware configuration of a computer according to one embodiment. Computer 200 can be one or more server computers that make up user terminal 101, payment terminal 103, authentication server 102, and payment system 104. Note that the functional configuration described with reference to Figure 1 can be implemented by processor 201 of computer 200 reading and executing a program stored in memory 202 or storage device 203, as will be described later.

[0037] The computer 200 in this embodiment includes a processor 201, a memory 202, a storage device 203, a camera 204, a communication interface (I / F) 205, an input device 206, and a display device 207, which are communicatively connected via a bus 210. Note that the authentication server 102 and one or more server computers constituting the payment system 104 do not necessarily have to include the camera 204.

[0038] The processor 201 can be a CPU (Central Processing Unit), and controls and processes data for the other components connected via a bus 210. The processor 201 also reads and executes programs stored in the memory 202 or the storage device 203, thereby executing various processes according to this embodiment.

[0039] The memory 202 includes a read-only memory (ROM) and a random access memory (RAM), and stores programs and data for executing various processes according to this embodiment. The RAM operates as a work memory, and can load programs read by the processor 201.

[0040] The storage device 203 can be a large-capacity storage device such as a hard disk drive (HDD) or a solid state drive (SSD), and stores programs and data for executing various processes according to this embodiment.

[0041] The camera 204 can be used to capture an image of the user's palm and has the resolution or infrared imaging technology to generate image data that enables palm print or vein authentication for palm authentication. In particular, an infrared (IR) camera is used for vein authentication.

[0042] A communication interface (I / F) 205 is an interface for connecting to a wired or wireless network and transmitting and receiving data, enabling communication with other computers.

[0043] The input device 206 can be a keyboard, a mouse, a touch panel display that also serves as the display device 207, or the like.

[0044] The display device 207 can be a liquid crystal display, an organic EL (Electro Luminescence) display, or the like.

[0045] The hardware configuration of the computer is not limited to the above-described example configuration, and may include other components.

[0046] (Color pattern) 3 shows a color selection screen according to one embodiment. Color selection screen 300 is displayed on display device 207 of user terminal 101 and payment terminal 103. Color selection screen 300 displays 12 colors in a 3x4 array along with a letter representing each color. The 12 colors include red, orange, yellow, white, green, blue, sky blue, brown, purple, pink, gray, and black.

[0047] The reason why color-based authentication is used for two-factor authentication is that colors are more intuitive and easier to remember than numbers (see Non-Patent Documents 2 and 3). Furthermore, the above colors are highly visible when the color selection screen 300 is set against a black background. Note that colors such as black and purple can be outlined in white, for example. Furthermore, the above colors are easy to distinguish when adjacent to each other and can be easily expressed with a single kanji character. Note that the character representing each color is not limited to kanji, and can be written in English using hiragana or the alphabet. Using a character representing each color makes it easier to use even in situations where it is difficult to distinguish colors due to the influence of ambient light, etc., and can also be easier to use for users who have difficulty distinguishing colors by color alone.

[0048] The color arrangement on the color selection screen 300 that makes it easy to distinguish between the colors is based on the Euclidean distance between the RGB values ​​of each color. The RGB values ​​of each color are as follows: White:(255,255,255) Red: (255,0,0) Blue:(0,0,255) Green: (0,255,0) Yellow:(255,255,0) Purple: (128,0,128) Orange:(255,165,0) Peach: (255,192,203) Brown:(165,42,42) Ash:(128,128,128) Empty:(0,255,255) Black: (0,0,0)

[0049] Among the above colors, the pairs with the closest Euclidean distance to each other are as follows: White and peach: Distance approximately 81.69 Yellow and orange: Distance approximately 90.00 Purple and brown: Distance approximately 102.61 Red and brown: Distance approximately 107.83 Brown and gray: Distance approximately 127.13

[0050] Generally, when the Euclidean distance is 50 or greater, most people can easily distinguish the difference in color.

[0051] Note that there are no limitations on the type, number, and arrangement of colors displayed on color selection screen 300. Furthermore, the color arrangement may be changed each time color selection screen 300 is displayed. In this case, the colors may be arranged based on the ease of distinguishing the colors described above.

[0052] Furthermore, by combining palm recognition with color recognition, it is possible to cover a number of users equivalent to the entire population of Japan, as shown below, and to identify and authenticate users without limiting them to specific stores. - Number of people who can be identified and authenticated using only the palm of your hand: Approximately 100,000 Population in Japan: Approximately 130 million 4 color combinations: 20,724 (12^4-12) 130 million people ÷ 20,724 combinations ≒ 627 < 100,000

[0053] (Processing method) 4 is a sequence diagram of authentication information registration processing according to one embodiment. In this embodiment, authentication information is registered in advance in the authentication server 102 before performing a payment using palm authentication. Here, an example will be described in which the user's authentication information is registered via a dedicated authentication application (hereinafter also referred to as an app) installed in the user terminal 101.

[0054] First, in step S401, the user 10 logs in to the app by inputting a user identifier and a password into the user terminal 101. Logging in to the app may be performed using fingerprint authentication or face authentication that may be implemented in the user terminal 101.

[0055] Next, in step S402, the user 10 registers a payment method in the user terminal 101. The payment method can be credit card information or debit card information. Credit card information includes the credit card number, expiration date, name, and security code. Debit card information includes the debit card number, expiration date, name, and security code. That is, the user terminal 101 registers the payment method using the payment method registration unit 111.

[0056] Next, in step S403, the user 10 registers color information in the user terminal 101. The user terminal 101 displays the color selection screen 300 described with reference to FIG. 3. The user 10 selects a total of four colors, one color at a time in order, from the color pattern including the 12 colors displayed on the color selection screen 300. Note that it may be possible to prevent the user from selecting the same color for all four colors. The four selected colors and the order in which they were selected are registered in the user terminal 101. That is, the user terminal 101 registers the selected color combinations and the selection order using the color information registration unit 112.

[0057] Next, in step S404, the user 10 registers palm information in the user terminal 101. The user terminal 101 activates the camera provided in the user terminal 101 to enable an image of the palm of the user 10. The image of the palm captured by the camera of the user terminal 101 can be stored in the user terminal 101 as image data or feature information. That is, the user terminal 101 registers the image data or feature information of the palm as palm information using the palm information registration unit 113.

[0058] The order of steps S402 to S404 is not limited to this, and steps may be performed in a different order.

[0059] Next, in step S405, the user terminal 101 transmits the payment method, color information, and palm information registered in the user terminal 101 to the authentication server 102. The authentication server 102 stores the payment method, color information, and palm information received from the user terminal 101. That is, the authentication server 102 registers the payment method, color information, and palm information using the information registration unit 121.

[0060] In this way, the registration of the authentication information to the authentication server 102 is completed (S406). In the above explanation, the user terminal 101 is used to register the user's authentication information, but the user's authentication information may also be registered using the payment terminal 103 installed in the store.

[0061] 5 is a sequence diagram of authentication and payment processing according to one embodiment. Here, the flow when a user pays for a product at a store is explained. Note that the user's authentication information is assumed to have been registered in advance in the authentication server 102, as described above.

[0062] First, in step S501, the user 10 informs the store clerk 20 of the payment method. Since the payment terminal 103 generally supports multiple payment methods, the user 10 informs the store clerk 20 that payment will be made by palm authentication.

[0063] Next, in step S502, the store clerk 20 registers the payment method specified by the user in the payment terminal 103. Here, a payment method using palm authentication is registered. Note that payment may also be registered by the store clerk 20 in this step or before this step. The payment terminal 103 acquires payment information including the payment amount and payment method input by the store clerk via the payment information acquisition unit 131.

[0064] Next, in step S503, user 10 inputs a color pattern to payment terminal 103. Specifically, user 10 selects multiple colors on color selection screen 300 displayed on payment terminal 103. That is, payment terminal 103 displays multiple selectable colors using color display unit 132, and acquires color information including the color combination selected by the user and the selection order using color information acquisition unit 133.

[0065] Next, in step S504, the user 10 holds their palm over the camera of the payment terminal 103. The payment terminal 103 stores the palm image captured by the camera as image data or feature information. That is, the payment terminal 103 acquires the palm information of the user via the palm information acquisition unit 134.

[0066] Next, in step S505, the payment terminal 103 transmits the registered color information and palm information to the authentication server 102 for user inquiry. That is, the payment terminal 103 transmits authentication information including the color information and palm information to the authentication server 102 via the authentication information transmitting unit 135.

[0067] Next, in step S506, authentication server 102 compares the color information and palm information received from payment terminal 103 with color information and palm information pre-stored in authentication server 102, and returns the comparison result to payment terminal 103. That is, authentication server 102 compares the authentication information using comparison unit 122 and performs user authentication. Authentication server 102 also transmits the authentication result to payment terminal 103.

[0068] Next, in step S507, the payment terminal 103 links the payment information to the payment system 104 in accordance with the authentication result received from the authentication server 102. Specifically, if the user verification is successful, the payment terminal 103 transmits the payment information to the payment system 104 via the payment information linking unit 137. On the other hand, if the user verification is unsuccessful, the payment terminal 103 notifies the store clerk 20 by displaying a message to that effect. In this case, the payment process may be terminated, or the color information and palm information may be re-entered, or another payment method may be registered and used for payment.

[0069] Next, in step S508, the payment system 104 performs payment processing based on the payment information received from the payment terminal 103. That is, the payment system 104 causes the payment processing unit 141 to perform payment processing.

[0070] Next, in step S509, the payment system 104 transmits payment completion information to the payment terminal 103. The payment terminal 103 displays a message to the effect that the payment has been completed, and notifies the store clerk 20.

[0071] In this way, the user authentication and payment process is completed (S510).

[0072] As described above, according to the present disclosure, it is possible to provide a payment terminal, method, and program for a payment authentication system that is easier for users to use while ensuring authentication accuracy.

[0073] Although the principles of the present disclosure have been described with reference to exemplary embodiments, it will be understood by those skilled in the art that various modifications in configuration and details can be made without departing from the spirit of the present disclosure. The present disclosure can take the form of, for example, a system, an apparatus, a method, a program, or a storage medium. [Explanation of symbols]

[0074] 100 Payment Authentication System 101 User terminal 102 Authentication Server 103 Payment terminal 104 Payment Systems 105, 106, 107 Network 111 Payment Method Registration Department 112 Color information registration section 113 Palm Information Registration Department 121 Information Registration Department 122 Matching Unit 131 Payment Information Acquisition Department 132 color display section 133 Color information acquisition unit 134 Palm Information Acquisition Unit 135 Authentication information transmission unit 136 Authentication result receiving unit 137 Payment Information Cooperation Department

Claims

1. a payment information acquisition means for acquiring payment information including the purchase price of the product; a color display means for displaying a plurality of selectable colors; a color information acquisition means for acquiring color information including a combination of colors selected by a user from the plurality of colors and the selection order of the colors; palm information acquisition means for acquiring palm information of the user; an authentication information transmitting means for transmitting authentication information including the color information and the palm information to an authentication server; an authentication result receiving means for receiving an authentication result from the authentication server; a payment information transmitting unit that transmits the payment information to a payment system according to the authentication result; A payment terminal comprising:

2. 2. The payment terminal according to claim 1, wherein the plurality of colors displayed on the color display means include 12 colors.

3. 3. The payment terminal according to claim 1, wherein the color combination selected from the plurality of colors includes four colors.

4. 2. The payment terminal according to claim 1, wherein the plurality of colors displayed on the color display means are arranged based on the Euclidean distance between the RGB values ​​of each color.

5. The payment terminal according to claim 1 , wherein the plurality of colors displayed on the color display means are displayed together with characters representing the colors.

6. The payment terminal according to claim 5, wherein the character representing the color is a single Chinese character.

7. 1. A method implemented by a payment terminal, comprising: acquiring payment information including the purchase price of the product; displaying a plurality of selectable colors; acquiring color information including a combination of colors selected by a user from the plurality of colors and the selection order of the colors; acquiring palm information of the user; transmitting authentication information including the color information and the palm information to an authentication server; receiving an authentication result from the authentication server; transmitting the payment information to a payment system according to the authentication result; A method comprising:

8. A program for causing a computer to execute the method according to claim 7.

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