Payment terminal, method, and program

Abstract

To provide a payment terminal, method, and program for a payment authentication system that is easier for users to use while ensuring authentication accuracy. [Solution] The payment terminal in one embodiment is characterized by comprising a payment information acquisition means for acquiring payment information including the purchase price of a product, a color display means for displaying a plurality of selectable colors, a color information acquisition means for acquiring color information including a color combination selected by a user from a plurality of colors and the selection order of the colors, a palm information acquisition means for acquiring information about the user's palm, an authentication information sending means for sending authentication information including the color information and palm information to an authentication server, an authentication result receiving means for receiving an authentication result from the authentication server, and a payment information sending unit for sending payment information to a payment system according to the authentication result.

Description

[Technical field]

[0001] The present disclosure relates to a payment terminal, a method, and a program, and in particular 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 terminals such as smartphones have been widely used, such as barcode payments, QR code payments, or payments using credit cards registered on the mobile terminal. In recent years, cashless payments using palm authentication have begun to be introduced, which does not even require the user to carry a mobile terminal.

[0003] With reference to Fig. 6, an overview of a conventional payment authentication system using palm authentication will be described. In a payment authentication system using 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 a mobile terminal. Then, when paying for a product 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 collating the user's palm information, and if the user authentication is successful, payment processing for the purchase price is executed. [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 multiple users and identifying matching profiles is several hundred thousand. If the number of users exceeds this limit, the accuracy of authentication decreases.

[0006] For example, in the palm payment service introduced by Amazon in some stores in the United States (see Non-Patent Document 1), the users who can be authenticated are limited for each terminal installed in the store. Therefore, 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 inputting a phone number before biometric authentication (i.e., two-factor authentication using phone number), but the operation of inputting about 10 digits is cumbersome and input errors occur, 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] According to one aspect of the present disclosure, a payment terminal includes: A payment information acquisition means for acquiring payment information including a purchase price of the product; a color display means for displaying a plurality of selectable colors; a color information acquiring means for acquiring color information including a combination of colors selected by a user from the plurality of colors and an order of selection of the colors; A 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 transmission unit that transmits the payment information to a payment system in response to the authentication result; The present invention is characterized by comprising:

[0010] Also, a method according to one aspect of the present disclosure includes: 1. A method implemented by a payment terminal, comprising: Obtaining 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 an order of selection of the colors; acquiring palm information of the user; sending 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] Moreover, a program according to one aspect of the present disclosure is characterized by causing a computer to execute the above-described method. Effect 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 description of the drawings]

[0013] [Figure 1] 1 is a schematic configuration diagram of a payment system according to one embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of a hardware configuration of a computer according to an embodiment. [Diagram 3] FIG. 13 is a diagram illustrating a color selection screen according to an embodiment. [Figure 4] FIG. 11 is a sequence diagram of an authentication information registration process according to an embodiment. [Diagram 5] FIG. 11 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 PREFERRED EMBODIMENTS

[0014] Hereinafter, embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. In this specification and the accompanying drawings, the same elements are designated by the same reference numerals, and duplicated 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 to enable payments using palm authentication while ensuring authentication accuracy and without compromising ease of use for users. Palm authentication may 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 of the present disclosure may 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 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 as to be able to communicate with each other. The network 105 may be a public line network such as the Internet. The user terminal 101 may also include a web browser and communicate with the authentication server 102 via the web browser. Alternatively, the user terminal 101 may include a dedicated authentication application and 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, validity date, name, and security code. Debit card information includes the debit card number, validity date, name, and security code. Note that 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] Palm information registration unit 113 registers image data of the palm generated by capturing an image with the camera of user terminal 101 as palm information. The payment method, color information, and palm information registered in user terminal 101 are transmitted to authentication server 102 via network 105. The image data is image data that can identify the veins and palm print of the palm. Note that 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 the 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 the user authentication has failed. The inquiry result is transmitted to the payment terminal 103.

[0024] The payment terminal 103 is a payment terminal installed in a store. The payment terminal 103 is communicatively connected to the authentication server 102 via a network 106, and is communicatively 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 the payment method input by the 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 purchase price of the product at the store, and is registered by the store clerk. 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, QR code payments using mobile terminals such as smartphones, and the like. Therefore, when making a payment, the user specifies a desired payment method from among such multiple payment methods. Alternatively, the payment method may be input by the user to the payment terminal 103.

[0027] The color display section 132 displays a plurality of selectable colors. In this embodiment, the color display section 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 a combination of colors selected by the user from among the multiple 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 among 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 characteristic information of the palm is acquired as the palm information.

[0030] The authentication information transmitting unit 135 transmits 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. That is, the payment information linking unit 137 can function as a payment information transmission unit.

[0033] The payment system 104 may be composed of one or more server devices. The payment system 104 is communicatively 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 according to 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] Although the system and functional configuration of the payment authentication system according to one embodiment have been described above, the above-mentioned configuration is merely an example and is not limited thereto. For example, the user terminal 101, the authentication server 102, the payment terminal 103, and the payment system 104 may also include other functional units.

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

[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 need to include the camera 204.

[0038] The processor 201 can be a CPU (Central Processing Unit), and controls other components connected via a bus 210 and processes data. The processor 201 also reads out and executes a program 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 the present embodiment. The RAM operates as a working 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 palm of a user's hand and has the resolution or infrared imaging technology to generate image data that allows 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 may 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-mentioned 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). In addition, the above colors are highly visible when the color selection screen 300 is set against a black background. Note that black and purple can be outlined with white, for example. In addition, 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 may be English notation using hiragana or the alphabet. By using a character representing each color, it becomes easier to use even in situations where it is difficult to distinguish colors due to the influence of ambient light, etc., and it 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 allows each color to be easily distinguished 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 approx. 81.69 Yellow and orange: Distance approx. 90.00 Purple and brown: Distance approx. 102.61 Red and brown: Distance approx. 107.83 Brown and gray: Distance approx. 127.13

[0050] Generally, when the Euclidean distance is 50 or more, most people can easily distinguish the difference between colors.

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

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

[0053] (Processing method) 4 is a sequence diagram of an authentication information registration process according to an embodiment. In this embodiment, before making a payment using palm authentication, authentication information is registered in advance in the authentication server 102. Here, an example will be described in which the authentication information of a user is registered via a dedicated authentication application (hereinafter also referred to as an app) implemented 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 a credit card number, a validity date, a name, and a security code. Debit card information includes a debit card number, a validity date, a name, and a security code. That is, the user terminal 101 registers a payment method via 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 at a time, from the color pattern including the 12 colors displayed on the color selection screen 300. Note that it may be possible to prevent the same color from being selected for all four colors. The four selected colors and the order in which each color was selected are registered in the user terminal 101. That is, the user terminal 101 registers the selected color combination and the selection order by 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 a 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 by the palm information registration unit 113.

[0058] The order of steps S402 to S404 is not limited, 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 above payment method, color information, and palm information via the information registration unit 121.

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

[0061] 5 is a sequence diagram of authentication and payment processing according to an embodiment. Here, a flow when a user pays for a product at a store is explained. Note that the user's authentication information is assumed to be 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 is generally capable of supporting a plurality of 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 colors selectable by color display unit 132, and acquires color information including the color combination selected by the user and the selection order by color information acquisition unit 133.

[0065] Next, in step S504, the user 10 holds his / her 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 characteristic information. That is, the payment terminal 103 acquires the palm information of the user by 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, via the authentication information transmitting unit 135, authentication information including the color information and palm information to the authentication server 102.

[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 with matching unit 122 and performs user authentication. In addition, authentication server 102 transmits the authentication result to payment terminal 103.

[0068] Next, in step S507, payment terminal 103 links the payment information to payment system 104 in accordance with the authentication result received from authentication server 102. Specifically, if the user inquiry is successful, payment terminal 103 transmits the payment information to payment system 104 via payment information linking unit 137. On the other hand, if the user inquiry is unsuccessful, payment terminal 103 notifies 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 a payment process based on the payment information received from the payment terminal 103. That is, the payment system 104 performs the payment process by the payment processing unit 141.

[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 manner, 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 embodiments that change the configuration and details can be realized without departing from the gist of the present disclosure. In addition, 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 section 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 a purchase price of the product; a color display means for displaying a plurality of selectable colors; a color information acquiring means for acquiring color information including a combination of colors selected by a user from the plurality of colors and an order of selection of the colors; A 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 indicating that the user authentication has been successful from the authentication server when a combination of the color information and the palm information matches a combination registered in the authentication server; a payment information transmission unit that transmits the payment information to a payment system in response to the authentication result; A payment terminal comprising:

2. 2. The settlement 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 combination of colors 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 settlement 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: Obtaining 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 an order of selection of the colors; acquiring palm information of the user; sending authentication information including the color information and the palm information to an authentication server; receiving an authentication result indicating that the user authentication has been successful from the authentication server if the combination of the color information and the palm information matches that registered in the authentication server; transmitting the payment information to a payment system according to the authentication result; The method according to claim 1, further comprising:

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

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