Payment information management device, settlement system, payment information management method, and program

Abstract

A first recording unit (110) stores payment information and master facial information in association with one another in a first storage unit (120). The payment information is information required to make a payment electronically. An acquiring unit (130) acquires facial information (referred to as authentication facial information hereinbelow) relating to a customer, from a settlement device (20). If there is master facial information of which a score corresponding to the authentication facial information is at least equal to a reference value, an authenticating unit (140) reads the payment information corresponding to the master facial information from the first storage unit (120), and causes the settlement device (20) to execute settlement processing employing the payment information. A second recording unit (150) causes the first storage unit (120) to store, in association with the payment information relating to the customer, biometric information including iris information and / or vein authentication relating to the customer, as master biometric information, under the necessary condition that the settlement device (20) executes settlement processing employing the payment information.

Description

[Technical field]

[0001] The present invention relates to a payment information management device, a settlement system, a payment information management method, and a program. [Background technology]

[0002] In recent years, biometric information has been used for identity authentication in electronic payments. For example, Patent Document 1 describes a method in which a user's ID and biometric information are stored in association with each other, and the user is authenticated using the biometric information. In Patent Document 1, payment is performed after the user is successfully authenticated.

[0003] Furthermore, Patent Document 2 describes that face authentication and iris authentication are performed in parallel, and when either face authentication or iris authentication is successful, it is determined that authentication of the person is successful. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2019-67075 A [Patent Document 2] JP 2005-242677 A Summary of the Invention [Problem to be solved by the invention]

[0005] Facial recognition is one type of biometric authentication. Facial recognition has the advantage of placing less of a burden on the person being authenticated, including the registration of master information. However, when extremely high authentication accuracy is required, facial recognition may not be able to meet the requirements. Other biometric authentication methods include iris recognition and vein recognition. These types of authentication using biometric information have the advantage of high authentication accuracy. On the other hand, iris recognition and vein recognition require a dedicated imaging unit, so the person being authenticated must go to a location with a dedicated imaging unit when registering master information.

[0006] One of the objects of the present invention is to make it easier to register master information in biometric authentication using iris authentication or vein authentication while taking advantage of the convenience of face authentication. Another object of the present invention is to achieve both authentication accuracy and convenience by using face authentication together with iris authentication or vein authentication. [Means for solving the problem]

[0007] According to the present invention, a first registration means acquires, from a first terminal, payment information, which is information necessary for making an electronic payment, and master face information showing a face of a person corresponding to the payment information, and associates the payment information and the master face information with each other and stores them in a first storage means; An acquisition means for acquiring, from a payment device installed in a store, face information for authentication, which is face information of a customer who is about to make a payment using the payment device; an authentication means for reading out the payment information corresponding to the master face information when the score for the authentication face information is equal to or greater than a reference value, and causing the settlement device to execute a settlement process using the payment information; a second registration means for storing biometric information including iris information and / or vein information of the customer generated by the settlement device as master biometric information in association with the payment information of the customer in the first storage means, on the condition that the settlement device executes the settlement process using the payment information; There is provided a payment information management device comprising:

[0008] According to the present invention, the present invention is used together with a first storage means for storing payment information, which is information necessary for electronic payment, master face information showing the face of a person corresponding to the payment information, and master biometric information showing iris information and / or vein information of the person in association with each other, an acquisition means for acquiring, from a payment device installed in a store, face information for authentication, which is face information of a customer who is about to make a payment using the payment device, and biometric information for authentication, which is the biometric information of the customer; an authentication means for performing an authentication process using the first storage means, the biometric information for authentication and / or the face information for authentication; Equipped with The authentication means includes: When there is the master face information whose score for the authentication face information is equal to or greater than a reference value, the payment information corresponding to the master face information is read out, and the settlement device is caused to execute a settlement process using the payment information. A payment information management device is provided that, when there is no master face information having a score for the authentication face information that is equal to or greater than a standard value, identifies the master biometric information having a score for the authentication biometric information that is equal to or greater than a standard value, reads out the payment information corresponding to the master biometric information, and causes the settlement device to execute a settlement process using the payment information.

[0009] According to the present invention, there is provided a payment device for use in a store; A payment information management device that manages information used in the settlement device; Equipped with The payment information management device includes: a first registration means for acquiring payment information, which is information necessary for electronically making a payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; The settlement device includes: A facial information generating means for generating facial information for authentication, which is facial information of a customer who is about to make a payment using the payment device; a biometric information generating means for generating biometric information including iris information and / or vein information of the customer; a transmission means for transmitting the authentication face information and the biometric information to the payment information management device; Equipped with The payment information management device further includes: an acquisition means for acquiring the authentication face information and the biometric information from the settlement device; an authentication means for reading out the payment information corresponding to the master face information when the score for the authentication face information is equal to or greater than a reference value, and causing the settlement device to execute a settlement process using the payment information; a second registration means for storing the biometric information acquired from the settlement device as master biometric information in the first storage means in association with the payment information of the customer, on the condition that the settlement device executes the settlement process using the payment information; A settlement system comprising:

[0010] According to the present invention, a computer acquiring payment information, which is information necessary for electronically making a payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; Acquire facial information for authentication, which is facial information of a customer who is about to make a payment using a payment device installed in a store, from the payment device installed in the store; When there is the master face information whose score for the authentication face information is equal to or greater than a reference value, the payment information corresponding to the master face information is read out, and the settlement device is caused to execute a settlement process using the payment information. A payment information management method is provided in which, with the necessary condition that the settlement device executes the settlement process using the payment information, biometric information generated by the settlement device and including iris information and / or vein information of the customer is stored in the first storage means as master biometric information in association with the payment information of the customer.

[0011] According to the present invention, a computer includes: A function of acquiring payment information, which is information necessary for making an electronic payment, and master face information showing the face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; A function of acquiring, from a payment device installed in a store, face information for authentication, which is face information of a customer who is about to make a payment using the payment device; a function of reading out the payment information corresponding to the master face information when the score for the authentication face information is equal to or greater than a reference value, and causing the settlement device to execute a settlement process using the payment information; a function of storing biometric information generated by the settlement device, the biometric information including iris information and / or vein information of the customer, as master biometric information in association with the payment information of the customer in the first storage means, on the condition that the settlement device executes the settlement process using the payment information; A program will be provided to help students develop these skills. Effect of the Invention

[0012] According to one invention, it is possible to easily register master biometric information in iris authentication and / or vein authentication while taking advantage of the convenience of face authentication. According to another invention, it is possible to achieve both authentication accuracy and convenience by using face authentication together with iris authentication and / or vein authentication. [Brief description of the drawings]

[0013] [Figure 1] 1 is a diagram showing the configuration of a settlement system according to a first embodiment. [Diagram 2] FIG. 2 illustrates an example of a functional configuration of a payment information management device. [Diagram 3] FIG. 2 is a diagram illustrating an example of a functional configuration of a settlement device. [Figure 4] FIG. 2 is a diagram illustrating an example of a functional configuration of a first terminal. [Diagram 5] 10] FIG. 10 is a diagram showing an example of a data configuration of a first storage unit of a payment information management device. [Figure 6] FIG. 2 is a diagram illustrating an example of a hardware configuration of a payment information management device. [Figure 7] 13 is a flowchart showing a first process performed by the payment information management device. [Figure 8] 13 is a flowchart showing a second process performed by the payment information management device. [Figure 9] 13 is a flowchart showing a third process performed by the payment information management device. [Figure 10] 13 is a flowchart showing a fourth process performed by the payment information management device. [Figure 11]FIG. 11 is a diagram showing a usage environment of a payment information management device according to a second embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0014] Hereinafter, embodiments of the present invention will be described with reference to the drawings. In all the drawings, the same components are given the same reference numerals and the description will be omitted as appropriate.

[0015] [First embodiment] 1 is a diagram showing the configuration of a settlement system according to the present embodiment. The settlement system according to the embodiment has a payment information management device 10 and a settlement device 20, and is used together with a first terminal 30.

[0016] The settlement device 20 is installed in a store and is used when a customer settles the price of a product or service. At this time, the settlement device 20 settles the payment using an electronic method, for example, a credit card or an electronic money card. The payment information management device 10 transmits information required for electronic payment (hereinafter referred to as payment information) to the settlement device 20. The payment information includes information for identifying the payment method, for example, at least one of a credit card number and its expiration date, an electronic money card number, and a bank account number. When transmitting the payment information to the settlement device 20, the payment information management device 10 uses biometric authentication. This biometric authentication is face authentication, and iris authentication and / or vein authentication. In these authentications, the payment information management device 10 uses master face information (hereinafter referred to as master face image) and master iris information and / or vein information (hereinafter referred to as master biometric information).

[0017] In this embodiment, the face information is, for example, face feature amount or face image, the iris information is, for example, iris feature amount or iris image, and the vein information is, for example, vein feature amount or vein image. When a face image is used as the face information, the face information is processed into face feature amount as necessary. When an iris image is used as the iris information, the iris information is processed into iris feature amount as necessary. When a vein image is used as the vein information, the vein information is processed into vein feature amount as necessary. In the following description, iris authentication is exemplified with respect to "iris authentication and / or vein authentication". Similarly, iris information is exemplified with respect to "iris information and / or vein information". Similarly, an iris image is exemplified with respect to "iris image and / or vein image".

[0018] A person who uses this settlement system pre-registers payment information and master face information in the payment information management device 10. A first terminal 30 is used for this registration. The first terminal 30 may be a mobile terminal or a terminal installed in a store or the like, such as a kiosk terminal. The first terminal 30 has an imaging unit (part or all of a face information generation unit 310, described below) for capturing images of the face. The master face information is an image generated by this imaging unit, or features extracted from the image.

[0019] The settlement device 20 also has an imaging unit (a part or all of the face information generating unit 210 described later) for capturing a face image of the customer, and an imaging unit (a part or all of the biometric information generating unit 220 described later) for capturing an iris image of the customer. The images generated by these imaging units are used for identity authentication in the settlement process. The iris image generated by the settlement device 20 is also used when generating master biometric information.

[0020] 2 is a diagram showing an example of the functional configuration of payment information management device 10. Payment information management device 10 has a first registration unit 110, an acquisition unit 130, an authentication unit 140, and a second registration unit 150.

[0021] The first registration unit 110 acquires the above-mentioned payment information and master face information from the first terminal 30, and stores the payment information and the master face information in the first storage unit 120 in association with each other. The acquisition unit 130 acquires face information (hereinafter, referred to as authentication face information) of a customer who is going to settle a payment using the settlement device 20 from the settlement device 20. When there is master face information with a score for the authentication face information equal to or higher than a reference value, the authentication unit 140 reads out the payment information corresponding to the master face information from the first storage unit 120, and causes the settlement device 20 to execute a settlement process using the payment information. The second registration unit 150 stores the iris information of the customer as master biometric information in association with the payment information of the customer in the first storage unit 120, on the condition that the settlement device 20 executes a settlement process using the payment information. The master biometric information is generated by the settlement device 20. Details of the processes performed by each functional unit of the payment information management device 10 will be described later using a flowchart.

[0022] In the example shown in the figure, first storage unit 120 is part of payment information management device 10. However, first storage unit 120 may be located outside payment information management device 10.

[0023] 3 is a diagram showing an example of the functional configuration of the settlement device 20. The settlement device 20 has a face information generation unit 210, a biometric information generation unit 220, and a settlement processing unit 230.

[0024] The face information generation unit 210 has an imaging unit, for example, a visible light imaging unit, that generates a face image of the customer. The face information generation unit 210 transmits this face image or a feature amount generated from this face image to the payment information management device 10 as information for generating face information or as the face information itself.

[0025] The biometric information generation unit 220 has an imaging unit, for example, a near-infrared imaging unit, that generates an iris image of the customer. The biometric information generation unit 220 transmits this iris image or a feature amount generated from this iris image to the payment information management device 10 as information for generating iris information or as the iris information itself.

[0026] The settlement processing unit 230 acquires information including the amount to be paid by the customer (hereinafter referred to as settlement information), and acquires the payment information of the customer from the payment information management device 10. Then, the settlement processing unit 230 pays the amount indicated by the acquired settlement information by the payment method indicated by the acquired payment information. settlement Processing is performed to

[0027] 4 is a diagram showing an example of the functional configuration of the first terminal 30. The first terminal 30 has a face information generation unit 310 and a registration unit 320.

[0028] The face information generation unit 310 has an imaging unit, for example, a visible light imaging unit, that generates a person's face image. The registration unit 320 acquires the person's payment information, and links the payment information to the face image (or feature amount generated from this face image) generated by the face information generation unit 310, and transmits the payment information to the payment information management device 10. The face image or face feature amount transmitted from the first terminal 30 is used as information for generating master face information, or as the master face information.

[0029] The registration unit 320 also acquires the person's attribute information, for example at least one of age or age group, sex, name, and address, and transmits the information to the face information generation unit 310 in association with the face image.

[0030] In the example shown in the figure, first terminal 30 further has an approval unit 330. Approval unit 330 causes a person corresponding to the iris information acquired by payment information management device 10 to input information indicating whether the iris information may be used as a master iris image for authentication processing. Approval unit 330 transmits the input result to payment information management device 10. Then, when payment information management device 10 acquires information indicating that authentication processing may be performed from first terminal 30, it enables authentication processing using the iris information.

[0031] 5 is a diagram showing an example of the data configuration of first storage unit 120 of payment information management device 10. In this figure, first storage unit 120 stores master face information, master irisThe first storage unit 120 stores information indicating whether authentication using the iris information is possible, the payment information, the attribute information, and the iris information, which are linked to each other. Here, if the authentication using the iris information is not yet confirmed, the first storage unit 120 stores information indicating that the authentication using the iris information is not confirmed, as the information indicating whether authentication using the iris information is possible.

[0032] The first storage unit 120 further stores terminal identification information in association with the face information. The terminal identification information is information for communicating with a terminal held by a person corresponding to the face information, such as an email address or an SNS account. The terminal identification information is acquired, for example, by the person inputting it into the first terminal 30. If the first terminal 30 is a mobile terminal of the person, the terminal indicated by the terminal identification information may be the first terminal 30.

[0033] 6 is a diagram showing an example of the hardware configuration of payment information management device 10. Payment information management device 10 has a bus 1010, a processor 1020, a memory 1030, a storage device 1040, an input / output interface 1050, and a network interface 1060.

[0034] The bus 1010 is a data transmission path for transmitting and receiving data among the processor 1020, memory 1030, storage device 1040, input / output interface 1050, and network interface 1060. However, the method of connecting the processor 1020 and the like to each other is not limited to bus connection.

[0035] The processor 1020 is implemented by a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), or the like.

[0036] The memory 1030 is a main storage device realized by a RAM (Random Access Memory) or the like.

[0037] Storage device 1040 is an auxiliary storage device realized by a hard disk drive (HDD), a solid state drive (SSD), a memory card, a read only memory (ROM), or the like. Storage device 1040 stores program modules that realize each function of payment information management device 10 (e.g., first registration unit 110, acquisition unit 130, authentication unit 140, and second registration unit 150). Processor 1020 loads each of these program modules onto memory 1030 and executes them, thereby realizing each function corresponding to the program module. Storage device 1040 also functions as first memory unit 120.

[0038] Input / output interface 1050 is an interface for connecting payment information management device 10 to various input / output devices.

[0039] The network interface 1060 is an interface for connecting the payment information management device 10 to a network. This network is, for example, a LAN (Local Area Network) or a WAN (Wide Area Network). The method for connecting the network interface 1060 to the network may be a wireless connection or a wired connection. The payment information management device 10 may communicate with the settlement device 20 and the first terminal 30 via the network interface 1060.

[0040] The hardware configurations of the settlement device 20 and the first terminal 30 are also similar to the example shown in FIG.

[0041] 7 is a flowchart showing a first process performed by the payment information management device 10. The process shown in this figure is a process for registering master face information together with payment information, attribute information, and terminal identification information in the first storage unit 120, and is performed together with the first terminal 30.

[0042] First, a person using the first terminal 30 takes a face image using the face information generation unit 310 (step S10). The person also inputs payment information, attribute information, and terminal identification information to the registration unit 320 (step S20). The registration unit 320 then transmits the face image or feature amount generated by the face information generation unit 310 to the payment information management device 10 in association with the payment information, attribute information, and terminal identification information (step S30).

[0043] The first registration unit 110 of the payment information management device 10 stores the face image or feature amount acquired from the first terminal 30 in the first storage unit 120 as face information. Here, when the first registration unit 110 acquires a face image from the first terminal 30, it may process the face image to generate face feature amount and store the feature amount in the first storage unit 120 as face information. At this time, the first registration unit 110 stores the payment information, attribute information, and terminal identification information in the first storage unit 120 in association with the face information (step S40). At this stage, the first storage unit 120 does not store master biometric information corresponding to the person. Also, the "information indicating whether iris information may be used in authentication processing" field in the first storage unit 120 is blank or stores information indicating that it is unconfirmed.

[0044] 8 is a flowchart showing a second process performed by payment information management device 10. The process shown in this figure shows the time when a person who has registered face information and payment information in first storage unit 120 makes a payment as a customer for the first time using payment settlement device 20.

[0045] First, a customer stands in front of the settlement device 20. The settlement processing unit 230 of the settlement device 20 acquires settlement information of the customer (step S110). If the settlement device 20 has a product registration function, the settlement device 20 generates the settlement information. On the other hand, if the settlement device 20 does not have the product registration function, the settlement processing unit 230 acquires the settlement information from a device external to the settlement device 20 (e.g., a product registration device).

[0046] Next, the facial information generation unit 210 of the settlement device 20 generates a facial image of the customer, and generates facial information for authentication using this facial image. The biometric information generation unit 220 of the settlement device 20 also generates an iris image of the customer, and generates iris information using this iris image (step S120). This iris information can be used as master biometric information. At this time, the facial information generation unit 210 processes the facial image to recognize the position of the customer's eyes. Then, the biometric information generation unit 220 controls the orientation of the imaging unit of the biometric information generation unit 220 according to the position of the eyes. This allows the biometric information generation unit 220 to easily generate a high-quality iris image.

[0047] In step S120, the biometric information generating unit 220 performs at least a part of the process of acquiring iris information for authentication in parallel with at least a part of the process of acquiring face information for authentication. For example, the face information generating unit 210 generates a face image, locates the positions of the eyes, and generates a facial feature amount as face information for authentication. This process is repeated until the feature amount satisfies a criterion. Each time the face information generating unit 210 identifies the position of the eyes, the biometric information generating unit 220 controls the orientation of the imaging unit to match the position and generates an iris image. The biometric information generating unit 220 then generates iris information using the generated iris image. In this way, the time required for step S120 is shortened.

[0048] Next, Settlement device 20 The face information generation unit 210, the biometric information generation unit 220, and the settlement processing unit 230 transmit the acquired information, that is, the settlement information, the face information for authentication, and the iris information, to the payment information management device 10 (Step S130).

[0049] The acquisition unit 130 of the payment information management device 10 acquires the payment information, the authentication face information, and the iris information from the settlement device 20. Next, the authentication unit 140 determines whether or not there is master face information in the first storage unit 120 whose score for the authentication face information is equal to or greater than a reference value. If there is (step S140: Yes), the authentication unit 140 determines that the authentication was successful, and reads out the payment information corresponding to the master face image from the first storage unit 120 (step S170). Then, the authentication unit 140 transmits the read out payment information to the settlement device 20 (step S180).

[0050] The settlement processing unit 230 of the settlement device 20 then performs settlement processing electronically using the settlement information acquired from the payment information management device 10 (step S190).

[0051] On the other hand, in step S140, if there is no master face image that satisfies the condition (step S140: No), the authentication unit 140 transmits information indicating that authentication has failed to the settlement device 20 (step S150). The settlement device 20 then causes, for example, a display unit of the settlement device 20 to display an indication that authentication has failed (step S160).

[0052] In the process shown in steps S120 to S140, payment information management device 10 may repeat the generation of a face image and the authentication process using the face information for a predetermined time until authentication is successful. In this case, if authentication is not successful even after the predetermined time has elapsed, the processes shown in steps S150 and S160 are performed.

[0053] Also, in step S170, the authentication unit 140 checks the "information indicating whether iris information may be used in authentication processing" field in the first storage unit 120, which corresponds to the payment information read out in step S170. If this field is blank or information indicating unconfirmed is stored in this field, it is understood that this payment process is the first payment process for the customer. In this case, the payment information management device 10 and the first terminal 30 execute the process shown in Fig. 9. Note that the payment information management device 10 and the first terminal 30 may set as a necessary condition for executing the process shown in Fig. 9 that the master biometric information corresponding to the read out payment information is not stored in the first storage unit 120.

[0054] 9 is a flowchart showing the third process performed by payment information management device 10. The process shown in this figure is a registration process for a master iris image.

[0055] In step S130 of Fig. 8, the biometric information generation unit 220 of the settlement device 20 transmits an iris image that can become a master iris image to the payment information management device 10. The acquisition unit 130 associates this iris image with the payment information read out in step S170 and stores it in the master iris image field of the first storage unit 120. However, at this stage, this iris image is not treated as a master iris image. In order for this iris image to become a master iris image, it is necessary to store "information indicating that iris information may be used in authentication processing" in Fig. 6.

[0056] The second registration unit 150 of the payment information management device 10 reads out, from the first storage unit 120, terminal identification information corresponding to the payment information read out in step S170 of Fig. 8. Then, the second registration unit 150 uses this terminal identification information to transmit information for confirming whether or not it is acceptable to perform authentication processing using iris information, that is, information for confirming whether or not it is acceptable to store the iris image acquired in step S130 as a master iris image in the first storage unit 120, to the person's terminal, for example, the first terminal 30 (step S200).

[0057] First terminal 30 displays a screen for the person to confirm (step S210). The person inputs information indicating whether or not iris information may be used in authentication processing into first terminal 30 (step S220). First terminal 30 then transmits the information to payment information management device 10 (step S230).

[0058] Second registration unit 150 of payment information management device 10 updates first storage unit 120 according to the information acquired from first terminal 30 (Step S240).

[0059] For example, when the second registration unit 150 acquires information from the first terminal 30 indicating that the authentication process is permitted, it stores information for making the iris information into a master iris image in the first storage unit 120. Specifically, the second registration unit 150 stores information indicating that the iris information is usable in a field of the first storage unit 120 for "information indicating whether the iris information may be used in the authentication process."

[0060] On the other hand, when the second registration unit 150 acquires information from the first terminal 30 that the authentication process is not permitted, it stores information for not using the iris information as a master iris image in the first storage unit 120. Specifically, the second registration unit 150 stores information indicating that the iris information is unusable in a field of the first storage unit 120 "information indicating whether iris information may be used in the authentication process."

[0061] 10 is a flowchart showing the fourth process performed by the payment information management device 10. The process shown in this figure shows when a person who has registered master biometric information in the first storage unit 120 makes a payment as a customer using the settlement device 20.

[0062] The processes shown in steps S110 to S140 are the same as those in Fig. 8. However, the iris information transmitted in step S130 is treated as iris information for authentication.

[0063] If the authentication using the face information is successful (step S140: Yes), the processes from step S170 onwards are executed as in the example shown in FIG.

[0064] On the other hand, if the authentication using the face information fails, that is, if there is no master face information with a score for the authentication face information equal to or higher than the reference value (step S140: No), the authentication unit 140 performs authentication processing using the iris information (step S142). In detail, the authentication unit 140 judges whether or not there is master biometric information with a score for the authentication iris information equal to or higher than the reference value in the first storage unit 120. If there is (step S142: Yes), the authentication unit 140 judges that the authentication is successful, and reads out the payment information corresponding to the master iris image from the first storage unit 120 (step S170). Note that in step S142, the authentication unit 140 may select the master face images with the highest scores in step S40, and only the master biometric information corresponding to these selected master images may be subject to matching.

[0065] On the other hand, in step S142, if there is no master iris image that satisfies the condition (step S142: No), the processes shown in steps S150 and S160 are performed.

[0066] In the process shown in step S120, face information may be generated before iris information. In this case, Settlement device 20 Alternatively, the face information may be transmitted before the iris information. Then, authentication unit 140 of payment information management device 10 may first start the authentication process using the face information, and then start the authentication process using the iris information at the timing when the iris information is acquired. In this way, a part of the authentication process using the iris information can be performed in parallel with the authentication process using the face information. Therefore, the time required to reach step S142 is shortened.

[0067] In the process shown in this figure, if the authentication iris information is of better quality than the master biometric information (for example, if it is clearer or has a higher degree of frontality), the authentication unit 140 may overwrite the master biometric information with the authentication iris information used this time.

[0068] As described above, according to this embodiment, payment information is registered using the first terminal 30. Here, the information registered using the first terminal 30 includes master face information but does not include master biometric information. Therefore, various terminals such as mobile terminals can be used as the first terminal 30. Therefore, the difficulty of registering payment information is reduced.

[0069] On the other hand, when making a payment using the settlement device 20, iris information is generated and, if necessary, this iris information is registered as master biometric information. The use of iris information increases the accuracy of authentication. Therefore, according to this embodiment, it is easy to register master biometric information while taking advantage of the convenience of face authentication.

[0070] Furthermore, according to the present embodiment, after the master iris image is registered, the authentication result using the iris information is used only when the authentication using the face information fails, thereby achieving both high authentication accuracy and convenience.

[0071] [Second embodiment] 11 is a diagram showing a usage environment of payment information management device 10 according to the second embodiment. In this embodiment, payment information management device 10 is similar to payment information management device 10 according to the first embodiment, except that customer attribute information can also be obtained from external device 40.

[0072] The external device 40 is, for example, a device that manages payment information, and stores attribute information of users of credit cards or electronic money linked to the identification information (e.g., numbers) of the credit cards or electronic money. The first registration unit 110 of the payment information management device 10 acquires attribute information corresponding to the payment information sent from the first terminal 30 from the external device 40, and stores the attribute information in the first storage unit 120.

[0073] According to this embodiment, the person does not need to input attribute information into the first terminal 30 in step S20 of Fig. 7. Therefore, the burden on the person is reduced.

[0074] Although the embodiments of the present invention have been described above with reference to the drawings, these are merely examples of the present invention, and various configurations other than those described above can also be adopted.

[0075] In addition, in the flowcharts used in the above description, multiple steps (processes) are described in order, but the order of execution of the steps performed in each embodiment is not limited to the order described. In each embodiment, the order of the steps shown in the figures can be changed to the extent that the content is not affected. In addition, the above-mentioned embodiments can be combined to the extent that the content is not contradictory.

[0076] A part or all of the above-described embodiments can be described as, but are not limited to, the following supplementary notes. 1. A first registration means for acquiring payment information, which is information necessary for making an electronic payment, and master face information showing the face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in association with each other in a first storage means; An acquisition means for acquiring, from a payment device installed in a store, face information for authentication, which is face information of a customer who is about to make a payment using the payment device; an authentication means for reading out the payment information corresponding to the master face information when the score for the authentication face information is equal to or greater than a reference value, and causing the settlement device to execute a settlement process using the payment information; a second registration means for storing biometric information generated by the settlement device, the biometric information including iris information and / or vein information of the customer, as master biometric information in association with the payment information of the customer in the first storage means, on the condition that the settlement device executes the settlement process using the payment information; A payment information management device comprising: 2. In the payment information management device according to the above item 1, The second registration means further comprises a payment information management device that stores the iris information and / or vein information of the customer in the first storage means, with the necessary condition that the first storage means does not store the master biometric information in association with the payment information of the customer. 3. In the payment information management device according to 1 or 2 above, The first registration means further acquires terminal identification information necessary for communicating with the person's terminal, and stores the terminal identification information in the first storage means in association with the payment information; The second registration means is reading, from the first storage means, the terminal identification information related to the payment information read by the authentication means, and transmitting, to the terminal, information for confirming whether or not it is acceptable to perform authentication processing using the biometric information, using the terminal identification information; When information indicating that the authentication process may be performed is obtained from the terminal, the payment information management device stores information for making the biometric information into the master biometric information in the first storage means. 4. In the payment information management device according to the above item 3, The terminal is a payment information management device which is the first terminal. 5. In the payment information management device according to 3 or 4 above, After the second registration means enables the authentication process using the biometric information, The authentication means, when there is no master face information with a score for the authentication face information equal to or higher than a reference value, executes the authentication process using the biometric information of the customer, and when the authentication process is successful, reads out the payment information corresponding to the iris information used for authentication, and has the settlement device execute a settlement process using the payment information. 6. In the payment information management device according to any one of 1 to 5 above, the settlement device performs at least a part of the process of acquiring the biometric information in parallel with at least a part of the process of acquiring the authentication face information, The acquisition means is a payment information management device that acquires the biometric information together with the authentication face information. 7. In the payment information management device according to any one of 1 to 6 above, The first registration means acquires attribute information of the person, associates the attribute information with the master face information, and stores the attribute information in the first storage means. 8. In the payment information management device according to the above item 7, The attribute information is stored in an external device in association with the payment information, The first registration means is a payment information management device that reads out the attribute information corresponding to the acquired payment information from the external device and stores the read attribute information in the first storage means. 9. Used together with a first storage means for storing payment information, which is information necessary for making an electronic payment, master face information indicating the face of a person corresponding to the payment information, and master biometric information indicating biometric information including iris information and / or vein information of the person in association with each other; an acquisition means for acquiring, from a payment device installed in a store, face information for authentication, which is face information of a customer who is about to make a payment using the payment device, and biometric information for authentication, which is the biometric information of the customer; an authentication means for performing an authentication process using the first storage means, the biometric information for authentication and / or the face information for authentication; Equipped with The authentication means includes: When there is the master face information whose score for the authentication face information is equal to or greater than a reference value, the payment information corresponding to the master face information is read out, and the settlement device is caused to execute a settlement process using the payment information. If there is no master face information having a score for the authentication face information that is equal to or greater than a standard value, a payment information management device identifies the master biometric information having a score for the authentication biometric information that is equal to or greater than a standard value, reads out the payment information corresponding to the master biometric information, and has the settlement device execute a settlement process using the payment information. 10. A payment device used in a store; A payment information management device that manages information used in the settlement device; Equipped with The payment information management device includes: a first registration means for acquiring payment information, which is information necessary for electronically making a payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; The settlement device includes: A facial information generating means for generating facial information for authentication, which is facial information of a customer who is about to make a payment using the payment device; a biometric information generating means for generating biometric information including iris information and / or vein information of the customer; a transmission means for transmitting the authentication face information and the biometric information to the payment information management device; Equipped with The payment information management device further includes: an acquisition means for acquiring the authentication face information and the biometric information from the settlement device; an authentication means for reading out the payment information corresponding to the master face information when the score for the authentication face information is equal to or greater than a reference value, and causing the settlement device to execute a settlement process using the payment information; a second registration means for storing the biometric information acquired from the settlement device as master biometric information in the first storage means in association with the payment information of the customer, on the condition that the settlement device executes the settlement process using the payment information; A settlement system comprising: 11. The computer acquiring payment information, which is information necessary for electronically making a payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; Acquire facial information for authentication, which is facial information of a customer who is about to make a payment using a payment device installed in a store, from the payment device installed in the store; When there is the master face information whose score for the authentication face information is equal to or greater than a reference value, the payment information corresponding to the master face information is read out, and the settlement device is caused to execute a settlement process using the payment information. A payment information management method, which, with the necessary condition being that the settlement device executes the settlement process using the payment information, stores biometric information generated by the settlement device, including iris information and / or vein information of the customer, as master biometric information in association with the payment information of the customer in the first storage means. 12. In the payment information management method according to 11 above, The computer further includes a payment information management method for storing the iris information and / or vein information of the customer in the first storage means, with the prerequisite that the first storage means does not store the master biometric information in association with the payment information of the customer. 13. In the payment information management method according to 11 or 12 above, The computer includes: Further, terminal identification information required for communicating with the person's terminal is acquired, and the terminal identification information is stored in the first storage means in association with the payment information; reading out the terminal identification information related to the read payment information from the first storage means, and using the terminal identification information, transmitting information for confirming whether or not authentication processing using the biometric information may be performed to the terminal; a payment information management method for storing information for making the biometric information into the master biometric information in the first storage means when information indicating that the authentication process may be performed is obtained from the terminal; 14. In the payment information management method according to 13 above, The terminal is the first terminal. 15. In the payment information management method according to 13 or 14 above, A payment information management method in which, after the computer makes it possible to execute the authentication process using the biometric information, if there is no master face information having a score for the authentication face information that is equal to or higher than a reference value, the computer executes the authentication process using the biometric information of the customer, and when the authentication process is successful, reads out the payment information corresponding to the iris information used for authentication, and has the settlement device execute a settlement process using the payment information. 16. In the payment information management method according to any one of claims 11 to 15, the settlement device performs at least a part of the process of acquiring the biometric information in parallel with at least a part of the process of acquiring the authentication face information, The payment information management method, in which the computer acquires the biometric information together with the face information for authentication. 17. In the payment information management method according to any one of claims 11 to 16, The computer acquires attribute information of the person, associates the attribute information with the master face information, and stores the attribute information in the first storage means. 18. In the payment information management method according to 17 above, The attribute information is stored in an external device in association with the payment information, A payment information management method in which the computer reads out the attribute information corresponding to the acquired payment information from the external device, and stores the read out attribute information in the first storage means. 19. To the computer, a first registration function for acquiring payment information, which is information necessary for making an electronic payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; An acquisition function for acquiring, from a payment device installed in a store, face information for authentication, which is face information of a customer who is about to make a payment using the payment device; an authentication function that, when there is the master face information whose score for the authentication face information is equal to or greater than a reference value, reads out the payment information corresponding to the master face information and causes the settlement device to execute a settlement process using the payment information; a second registration function for storing biometric information generated by the settlement device, the biometric information including iris information and / or vein information of the customer, as master biometric information in association with the payment information of the customer in the first storage means, on the condition that the settlement device executes the settlement process using the payment information; A program that allows you to have 20. In the program according to claim 19, The second registration function further includes a program for storing the iris information and / or vein information of the customer in the first storage means, under the prerequisite that the first storage means does not store the master biometric information in association with the payment information of the customer. 21. In the program according to 19 or 20 above, The first registration function is Further, terminal identification information required for communicating with the person's terminal is acquired, and the terminal identification information is stored in the first storage means in association with the payment information; reads out from the first storage means the terminal identification information related to the payment information read out by the authentication function, and transmits to the terminal information for confirming whether or not it is acceptable to perform authentication processing using the biometric information using the terminal identification information; a program for storing, when receiving from the terminal information indicating that the authentication process may be performed, information for making the biometric information into the master biometric information in the first storage means; 22. In the program according to 21 above, The program, wherein the terminal is the first terminal. 23. In the program according to 21 or 22 above, After the second registration function enables the authentication process using the biometric information, The authentication function is a program that, when there is no master face information with a score for the authentication face information that is equal to or higher than a reference value, executes the authentication process using the biometric information of the customer, and when the authentication process is successful, reads out the payment information corresponding to the iris information used for authentication, and causes the settlement device to execute a settlement process using the payment information. 24. In the program according to any one of the above 19 to 23, the settlement device performs at least a part of the process of acquiring the biometric information in parallel with at least a part of the process of acquiring the authentication face information, The acquisition function is a program for acquiring the biometric information together with the face information for authentication. 25. In the program according to any one of 19 to 24 above, The first registration function is a program for acquiring attribute information of the person, associating the attribute information with the master face information, and storing the attribute information in the first storage means. 26. In the program according to 25 above, The attribute information is stored in an external device in association with the payment information, The first registration function is a program for reading out the attribute information corresponding to the acquired payment information from the external device and storing the read attribute information in the first storage means.

[0077] This application claims priority based on Japanese Patent Application No. 2020-034919, filed March 2, 2020, the disclosure of which is incorporated herein in its entirety. [Explanation of symbols]

[0078] 10 Payment information management device 20 Payment device 30 Terminal 1 40 External device 110 First Registration Section 120 1st memory section 130 Acquisition Department 140 Authentication Department 150 Second Registration Section 210 Face information generation unit 220 Biometric Information Generation Unit 230 Settlement Processing Unit 310 Face information generation unit 320 Registration Department 330 Approval Department

Claims

1. a first registration means for acquiring payment information, which is information necessary for making an electronic payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; An acquisition means for acquiring, from a payment device installed in a store, face information for authentication, which is face information of a customer who is about to make a payment using the payment device; an authentication means for reading out the payment information corresponding to the master face information when the score for the authentication face information is equal to or greater than a reference value, and causing the settlement device to execute a settlement process using the payment information; a second registration means for storing biometric information generated by the settlement device, the biometric information including iris information and / or vein information of the customer, as master biometric information in association with the payment information of the customer in the first storage means, on the condition that the settlement device executes the settlement process using the payment information; A payment information management device comprising:

2. 2. The payment information management device according to claim 1, The second registration means further stores the iris information and / or vein information of the customer in the first storage means, with the necessary condition that the first storage means does not store the master biometric information in association with the payment information of the customer.

3. 3. The payment information management device according to claim 1, The first registration means further acquires terminal identification information necessary for communicating with the person's terminal, and stores the terminal identification information in the first storage means in association with the payment information; The second registration means is reading, from the first storage means, the terminal identification information related to the payment information read by the authentication means, and transmitting, to the terminal, information for confirming whether or not it is acceptable to perform authentication processing using the biometric information, using the terminal identification information; When information indicating that the authentication process may be performed is obtained from the terminal, the payment information management device stores information for making the biometric information into the master biometric information in the first storage means.

4. 4. The payment information management device according to claim 3, The terminal is a payment information management device which is the first terminal.

5. 5. The payment information management device according to claim 3, After the second registration means enables the authentication process using the biometric information to be executed, The authentication means, when there is no master face information with a score for the authentication face information equal to or higher than a reference value, executes the authentication process using the biometric information of the customer, and when the authentication process is successful, reads out the payment information corresponding to the iris information used for authentication, and has the settlement device execute a settlement process using the payment information.

6. In the payment information management device according to any one of claims 1 to 5, the settlement device performs at least a part of the process of acquiring the biometric information in parallel with at least a part of the process of acquiring the authentication face information, The acquisition means is a payment information management device that acquires the biometric information together with the authentication face information.

7. The payment information management device according to any one of claims 1 to 6, The first registration means acquires attribute information of the person, associates the attribute information with the master face information, and stores the attribute information in the first storage means.

8. A checkout device used at the store; A payment information management device that manages information used in the settlement device; Equipped with The payment information management device includes: a first registration means for acquiring payment information, which is information necessary for electronically making a payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; The settlement device includes: A facial information generating means for generating facial information for authentication, which is facial information of a customer who is about to make a payment using the payment device; a biometric information generating means for generating biometric information including iris information and / or vein information of the customer; a transmission means for transmitting the authentication face information and the biometric information to the payment information management device; Equipped with The payment information management device further includes: an acquisition means for acquiring the authentication face information and the biometric information from the settlement device; an authentication means for reading out the payment information corresponding to the master face information when the score for the authentication face information is equal to or greater than a reference value, and causing the settlement device to execute a settlement process using the payment information; a second registration means for storing the biometric information acquired from the settlement device as master biometric information in the first storage means in association with the payment information of the customer, on the condition that the settlement device executes the settlement process using the payment information; A settlement system comprising:

9. The computer acquiring payment information, which is information necessary for making an electronic payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; Acquire facial information for authentication, which is facial information of a customer who is about to make a payment using a payment device installed in a store, from the payment device installed in the store; When there is the master face information whose score for the authentication face information is equal to or greater than a reference value, the payment information corresponding to the master face information is read out, and the settlement device is caused to execute a settlement process using the payment information. A payment information management method, which, with the necessary condition being that the settlement device executes the settlement process using the payment information, stores biometric information generated by the settlement device, including iris information and / or vein information of the customer, as master biometric information in association with the payment information of the customer in the first storage means.

10. On the computer, a first registration function for acquiring payment information, which is information necessary for making an electronic payment, and master face information indicating a face of a person corresponding to the payment information from a first terminal, and storing the payment information and the master face information in a first storage means in association with each other; An acquisition function for acquiring, from a payment device installed in a store, face information for authentication, which is face information of a customer who is about to make a payment using the payment device; an authentication function that, when there is the master face information whose score for the authentication face information is equal to or greater than a reference value, reads out the payment information corresponding to the master face information and causes the settlement device to execute a settlement process using the payment information; a second registration function for storing biometric information generated by the settlement device, the biometric information including iris information and / or vein information of the customer, as master biometric information in association with the payment information of the customer in the first storage means, on the condition that the settlement device executes the settlement process using the payment information; A program that allows you to have

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