Apparatus and method for electronic payment with strengthened authentification capability and vending machine equiped with the same apparatus

• US 20030001006A1
• Filed: 11/06/2001
• Published: 01/02/2003
• Est. Priority Date: 06/27/2001
• Status: Abandoned Application

• Current Assignee: Myung-Gi Lee
• Original Assignee: Myung-Gi Lee
• Inventors: Lee, Myung-Gi
• Application Number:
  US09/985,869
• Publication Number:
  US 20030001006A1
• Time in Patent Office: Days
• US Class Current: 235/381
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The object of the invention is to provide an apparatus for electronic payment with strengthened authentication capability that is even capable of selectively selling restricted sales commodities. Another object of the present invention is to provide an apparatus for electronic payment that is capable of a high speed processing of personal authentication and transaction information.

Claims

1. An electronic payment apparatus, comprising:

a card reader section which reads personal information, the first body identification codes, and payment amount information from a card type storage medium;

a scan section which scans one particular part of a body and outputs the body identification data;

a personal authentication section which computes the second body identification codes from the body identification data of said scan section and processes the personal authentication by comparing between the first body identification codes from said card reader section and said second body identification codes;

a authentication processing section that includes a restricted authentication section which determines whether or not a user is eligible for a restricted transaction from the personal information obtained from said card reader section;

a payment processing section which receives the payment request from outside, executes payment process based on the payment amount information read from said card reader section and the authentication result from said authentication processing section, stores the result in a payment database, and controls said card reader section to renew the payment amount data in the card type storage medium; and

a display section which displays the payment result information.

2. The electronic payment apparatus as claimed in claim 1, wherein said authentication processing section further includes a credit inquiry section which determines whether or not a user is eligible for a transaction by inquiring through the credit database with the user identification information.

3. The electronic payment apparatus as claimed in claim 2, wherein said electronic payment apparatus further includes a data renewal section which periodic or non-periodically connects to a management server in order to renew a credit database and transmits the changes in the payment history of the payment database.

4. The electronic payment apparatus as claimed in any one of claims 1, 2 or 3, wherein said scan section is a finger print scanner and said body identification codes are finger print codes.

5. The electronic payment apparatus as claimed in any one of claims 1, 2 or 3, wherein said scan section is an iris identification camera and said body identification codes are iris codes.

6. The electronic payment apparatus as claimed in any one of claims 1, 2 or 3, wherein said restricted authentication section determines whether or not a user is eligible age for a restricted transaction from the age information of the personal information.

7. The electronic payment apparatus as claimed in any one of claims 1, 2 or 3, wherein said restricted authentication section 122 determines whether or not a user is residing in a valid area for a restricted transaction from the address information of the personal information.

15. A vending machine, implementing the electronic payment apparatus as claimed in claim 1.

18. The vending machine as claimed in any one of claims 15, 16 or 17, wherein said scan section is a finger print scanner and said body identification codes are finger print codes.

19. The vending machine as claimed in any one of claims 15, 16 or 17, wherein said scan section is an iris identification camera and said body identification codes are iris codes.

20. The vending machine as claimed in any one of claims 15, 16 or 17, wherein said restricted authentication section determines whether the age is suitable for the restricted transaction from the age information of the personal information.

21. The vending machine as claimed in any one of claims 15, 16 or 17, wherein said restricted authentication section determines whether the resident area is valid for the restricted transaction from the address information of the personal information.

22. The vending machine as claimed in any one of claims 15, 16 or 17, wherein said electronic payment apparatus further includes a vending machine management section which calculates the present inventory of the vending machine and request an inventory replenishment to the management server.

23. The vending machine as claimed in any one of claims 15, 16 or 17, wherein said electronic payment apparatus further includes a vending machine management section which upon a detection of a shock above a certain level applied against the vending machine, transmits a warning signal to the management server and sound out an alarm through an external speaker.

8. An electronic payment method, comprising the steps of:

reading personal information, the first body identification codes, and balance information from a card type storage medium;

scanning one particular part of a user'"'"'s body;

calculating the second body identification codes by processing the scanned data;

personally authenticating by comparing between the first body identification codes and the second body identification codes and determining whether or not the user is eligible for a restricted transaction from said personal information;

executing the payment process based on said balance information by receiving the payment request information from outside when successful in authenticating, and storing the result in a payment database, and renewing the payment amount in a card type storage medium; and

displaying the transaction result.

9. The electronic payment method as claimed in claim 8, wherein said authenticating step further includes a credit inquiry step which determines whether or not a user is eligible for a transaction by inquiring through the credit database with the user identification information.

10. The electronic payment method as claimed in claim 9, further including a data renewal step which periodic or non-periodically connects to a management server in order to renew a credit database and transmits the changes in the payment history of the payment database.

11. The electronic payment method as claimed in any one of claims 8, 9 or 10, wherein said scanning step involves scanning of the user'"'"'s finger print.

12. The electronic payment method as claimed in any one of claims 8, 9 or 10, wherein said scanning step involves image capturing of the user'"'"'s iris.

13. The electronic payment method as claimed in any one of claims 8, 9 or 10, wherein said determining step of whether or not the user is eligible for the restricted transaction involves determining whether the age is suitable for the restricted transaction from the age information of the personal information.

14. The electronic payment method as claimed in any one of claims 8, 9 or 10, wherein said determining step of whether or not the user is eligible for the restricted transaction involves determining whether the resident area is valid for the restricted transaction from the address information of the personal information.

16. The vending machine as claimed in claim 15, wherein said authentication processing section further includes a credit inquiry section which determines whether or not a user is eligible for a transaction by inquiring through the credit database with the user identification information.

17. The vending machine as claimed in claim 16, wherein said electronic payment apparatus further includes a data renewal section which periodic or non-periodically connects to a management server in order to renew a credit database and transmits the changes in the payment history of the payment database.