Financial payment method and payment system using mobile device
OwnerSeon Gwan Leeinventor
Life of this patent
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Abstract
The present invention relates to a financial payment method using biometric information, in which biometric information of an individual collected in a mobile device of an affiliated member is transmitted to a mobile device of the individual to allow the biometric information to be authenticated in the mobile device of the individual, and after the authentication of the biometric information, a substitute key that corresponds to a card password preset by the individual is inputted, and a financial payment is requested based on the payment content.
Claims18
A method of authenticating a financial payment at a first mobile device of a seller, the method comprising:
- sensing, by a sensor provided in the first mobile device, one or more pieces of biometric information of a purchaser;
- transmitting, by the first mobile device, the sensed biometric information to a second mobile device that is identified by the purchaser in a predetermined method;
- receiving, by the first mobile device, information from the second mobile device, wherein the information indicates whether the biometric information that is transmitted by the first mobile device matches biometric information of the purchaser that is pre-stored in the second mobile device;
- and
- authenticating, by the first mobile device, a content of the financial payment, when the biometric information that is transmitted by the first mobile device matches the biometric information that is pre-stored in the second mobile device.
A method of performing a financial payment at a second mobile device identified by a purchaser, the method comprising:
- receiving, by the second mobile device, biometric information of the purchaser from a first mobile device of a seller;
- verifying, by the second mobile device, whether the biometric information that is received from the first mobile device matches biometric information of the purchaser that is pre-stored in the second mobile device;
- receiving, by the second mobile device, authenticated payment content from the first mobile device, when the biometric information that is received from the first mobile device matches the biometric information of the purchaser that is pre-stored in the second mobile device;
- and
- performing, by the second mobile device, a payment in a payment method that is predetermined with regard to the payment content.
A computing device including at least one processor, implemented at least temporarily by the at least one processor, the computing device comprising:
- a sensor unit configured to sense one or more pieces of biometric information of a purchaser;
- a communication unit configured to transmit the sensed biometric information to a second mobile device that is identified by the purchaser in a predetermined method, and to receive information from the second mobile device in response to the transmission, wherein the information indicates whether the biometric information that is transmitted by the communication unit matches biometric information of the purchaser that is pre-stored in the second mobile device;
- and
- a computation unit configured to authenticate payment content, when the biometric information that is transmitted by the communication unit matches the biometric information that is pre-stored in the second mobile device.
A program stored in a computer-readable recording medium, for causing a computing device to perform a financial payment based on biometric information and financial information of a purchaser, the program comprising:
- an instruction set for receiving, at a first mobile device of a seller, biometric information of the purchaser;
- an instruction set for verifying whether the biometric information that is received from the first mobile device matches biometric information of the purchaser that is pre-stored in the computing device;
- and
- an instruction set for, when the received biometric information matches the pre-stored biometric information, receiving authenticated payment content from the first mobile device, and performing the payment using a substitute key that is received from the purchaser and corresponds to a password of a first payment means that is selected by the purchaser for each of one or more payment methods.
Dependencies are inferred from the claim text.