KR20120009931A - Voucher device, voucher managing system including the device, and managing method of the same - Google Patents

Abstract

PURPOSE: A voucher terminal, a voucher management system, and a method thereof are provided to prevent abuse and misuse of a terminal by managing service user information through bio-information. CONSTITUTION: A biological recognition unit(110) recognizes biological information from a user. A communication unit(120) transmits biological information to an external server. The communication unit receives service information from the external server. An input unit(130) inputs a character, a number, or a control command from the user. An output unit(140) outputs biological information, user information, and service information on a screen.

Description

Voucher terminal, voucher management system and method {VOUCHER DEVICE, VOUCHER MANAGING SYSTEM INCLUDING THE DEVICE, AND MANAGING METHOD OF THE SAME}

The present invention relates to a voucher terminal for payment of social services, and more particularly, to a voucher terminal with a built-in abuse prevention function and a convenience function, a voucher management system including the same, and a management method thereof.

Currently, the government provides social services to improve the welfare of individuals and society as a whole and to improve the quality of life. The types and scope of social services can be divided into individual quality of life services and public services.The quality of life services include care for the elderly, assistance services for the disabled, community services, maternal and child support services, and household chores. There are caring helper services, rehabilitation services for children with disabilities, childcare services, caring services, and health care services.

The Voucher Scheme is a system that supports the purchase of certain goods or services by granting a government-guaranteed payment to certain qualified persons. The voucher system guarantees consumer choice up to a certain level, thereby promoting high quality services by promoting competition among social service providers (or social service participants). In the case of a paper voucher, it is easy to create and issue a voucher, but there is a large administrative cost in operating the voucher, and there is an institutional difficulty in preventing illegal use and supply and demand. Therefore, by using the electronic voucher can reduce the administrative costs required for the distribution and management of the voucher, it is possible to minimize the construction cost by utilizing the financial institution infrastructure. In addition, by using the electronic voucher in conjunction with a credit card or check card, etc., it is possible to provide benefits such as payment of an out-of-pocket payment and additional purchase.

These social services are made by the social service participants directly providing services to the social service users (or subjects), and the salaries of the participants are determined after the social service users have determined the time and amount of service available from the state. After filling the user's virtual account with the amount of time and amount of money, the service participant pays the amount as much as the service user provides the service.

As shown in FIG. 1, a method of using a voucher terminal and a mobile dongle, which is used as a paying means device, is a service user voucher card and a service participant voucher card issued from a state of contact with a terminal and a voucher card simultaneously. The payment is made, and the Automatic Response System (ARS) payment using a wired or wireless telephone is performed by entering a voucher card number and an expiration date of use of a service user issued from a country.

Conventional methods, that is, the voucher terminal, the mobile phone dongle, the ARS payment method using a wired or wireless phone has a problem that the abuse and misuse of the social service users and participants mutually agree or tolerate, help.

The present invention is to solve the above problems, and the function to prevent misuse and fraud due to acknowledgment and assistance of social service users and participants who occur in the process of payment of social service usage history using the social service voucher terminal An object of the present invention is to provide a built-in voucher terminal, a voucher management system including the same, and a management method thereof.

The present invention provides a voucher terminal having a biometric unit to obtain biometric information of a social service user or a user and a participant so that the administrator authenticates the social service user and the participant's information and provides social services to prevent misuse and abuse. And, another object of the present invention is to provide a voucher management system and a management method comprising the same.

Another object of the present invention is to provide a voucher terminal capable of providing service information to a visually impaired person through voice, a voucher management system including the same, and a management method thereof.

A voucher terminal according to the present invention for achieving the above objects is a biometric unit for recognizing biometric information from a user or a participant, a communication unit for transmitting the biometric information to an external server, and receiving service information from an external server; An output unit for receiving a letter or number from the user or the participant or receiving a control command, and outputting at least one of the biometric information, the user information for the user, the participant information for the participant, and the service information And an output unit, and a control unit which executes a drive program to drive the voucher terminal and executes the voucher program.

The voucher terminal according to the present invention for achieving the above objects, a biometric unit for recognizing biometric information from a user or a participant, and executes a drive program to drive the voucher terminal, execute the voucher program, based on the biometric information A control unit for performing authentication of the user or the participant, a communication unit for transmitting the authentication result to an external server, and receiving service information according to the authentication result from an external server, and a text or a message from the user or the participant. And an output unit for receiving a number or receiving a control command, and an output unit for displaying one or more of the biometric information, the user information for the user, the participant information for the participant, and the service information. .

The voucher terminal according to the present invention further comprises a user card recognition unit for recognizing the user card in which the user information is stored. Here, when the biometric recognition unit recognizes the biometric information of the user, recognizes the user card, or recognizes the biometric information of the user and recognizes the user card, the control unit transmits the user to the external server. Request for authentication, and request the service information. As another example, the control unit, when the biometric unit recognizes the biometric information of the user, recognizes the user card, or recognizes the biometric information of the user and recognizes the user card, for the user Authentication is performed, and service information for the corresponding user is requested to the external server.

The voucher terminal according to the present invention further comprises a participant card recognition unit for recognizing a participant card in which the participant information is stored. Here, when the biometric unit recognizes the biometric information of the participant, recognizes the participant card, or recognizes the biometric information of the participant and recognizes the participant card, the control unit indicates the participant to the external server. Request for authentication, and request the participant information. As another example, the control unit, when the biometric unit recognizes the biometric information of the participant, recognizes the participant card, or recognizes the biometric information of the participant and recognizes the participant card, Perform authentication.

In the voucher terminal according to the present invention, the biometric unit is detached or embedded in the voucher terminal, a face recognition camera for photographing the face of the user or the participant, the iris of the user or the participant And at least one device of an iris recognition camera, a fingerprint recognizer for recognizing a fingerprint of the user or the participant, and a voice recognizer for recognizing a voice of the user or the participant.

The voucher terminal according to the present invention may further include a voice output unit for voice outputting at least one of the user information, the participant information, and the service information.

The voucher terminal according to the present invention further comprises a storage unit for storing the driving program, the voucher program, and storing at least one of the biometric information, the user information, the participant information, and the service information. .

A voucher management system according to the present invention for achieving the above objects is provided with a biometric unit for recognizing biometric information from a user or a participant, transmitting the biometric information, receiving a service information and executing a voucher program And a voucher server for receiving the biometric information and transmitting service information for the user or the participant to the voucher terminal.

In the voucher management system according to the present invention, the biometric unit is detached from or embedded in the voucher terminal, the face recognition camera for photographing the face of the user or the participant, the iris of the user or the participant At least one device of the iris recognition camera, a fingerprint reader for recognizing the fingerprint of the user or the participant, a voice recognizer for recognizing the voice of the user or the participant.

In the voucher management system according to the present invention, the voucher terminal is a communication unit for transmitting the biometric information to the voucher server and receiving the service information from the voucher server, and a letter or number from the user or the participant. An input unit for receiving an input or receiving a control command, an output unit for outputting at least one of the biometric information, the user information for the user, the participant information for the participant, and the service information; A driving unit, a storage unit storing the voucher program, storing at least one of the biometric information, the user information, the participant information, and the service information, and executing the driving program to drive the voucher terminal; Control to execute the voucher program Further it includes a bonnet. The voucher terminal further includes a user card recognition unit that recognizes the user card in which the user information is stored. The voucher terminal further comprises a participant card recognition unit for recognizing a participant card in which the participant information is stored.

In the voucher management system according to the present invention, the voucher server, the communication module for receiving the biometric information from the voucher terminal, and transmits the service information, and generates the user information, the participant information, the service information, It further comprises an information processing module for updating, storing, or managing.

The voucher management method according to an embodiment of the present invention for achieving the above object, the program start step of starting the voucher terminal execution of the voucher program, the participant recognition step of the voucher terminal recognizes the participant biometric information from the participant; A participant authentication step in which the voucher terminal authenticates the participant using the participant biometric information, a user recognition step in which the voucher terminal recognizes user biometric information from a user, and the voucher terminal using the user biometric information A user authentication step of authenticating the user, a service information request step in which the voucher terminal requests service information for the user or the participant from a voucher server, and a service in which the voucher server transmits the corresponding service information to the voucher terminal tablet And a transmitting step, wherein the terminal is configured to include the voucher service input step of receiving the service information from the user or the partner.

Voucher management method according to another embodiment of the present invention for achieving the above object, the program start step that the voucher terminal starts the execution of the voucher program, the voucher terminal recognizes the participant biometric information from the participant, or the participant information A participant recognition step of recognizing a stored participant card, a user recognition step of the voucher terminal recognizing user biometric information from a user, and an authentication request step of the voucher terminal requesting authentication of the user or the participant from a voucher server An authentication step of authenticating the voucher server to the user or the participant; and a service information transmitting step of transmitting the corresponding service information to the voucher terminal by the voucher server; Participants Since the service is configured to include an input step of receiving service information.

Voucher management methods according to embodiments of the present invention, the voucher terminal further comprises a user card recognition step of recognizing the user card is stored the user information. Here, in the user authentication step, the user is authenticated using the user biometric information or by using the user biometric information and the user information stored in the user card.

In the present invention, the biometric information is at least one of a face, an iris, a retina, a palmistry, a fingerprint, a fingerprint, a vein, DNA, and voice.

The present invention prevents misuse and fraud due to acknowledgment and assistance of social service users and participants, which occurs in the process of paying social service usage history using a voucher terminal having a built-in abuse prevention function, thereby ensuring correct and transparent use of social services. Make payment possible.

According to the present invention, the administrator manages the information of the service user, or the service user and the participant using biometric information, thereby preventing misuse and fraud and enabling correct and transparent payment of social services.

The present invention can solve the information gap and inconvenience by informing the voucher terminal of the service information to the visually impaired by an alarm or voice.

1 is a conceptual diagram schematically showing the configuration of a general voucher management system using a voucher card;
2 is a conceptual diagram schematically showing a configuration of a voucher management system according to the present invention;
3 is a perspective view showing the appearance of a voucher terminal according to the present invention having a camera;
4 is a perspective view showing the appearance of a voucher terminal according to the present invention having a fingerprint reader;
5 is a block diagram schematically illustrating an internal configuration of a voucher terminal according to an embodiment of the present invention;
6 is a block diagram schematically showing an internal configuration of a voucher terminal according to another embodiment of the present invention;
7 is a view for explaining the operation of the voucher management system according to the present invention;
8 is a view for explaining the payment operation of the voucher management system according to the present invention;
9 is a flowchart schematically illustrating a voucher management method according to an embodiment of the present invention;
FIG. 10 is a diagram for explaining mutual operations between the components in FIG. 9; FIG.
11 is a view for explaining the mutual operation between the components in the voucher management method according to another embodiment of the present invention.

Hereinafter, a voucher terminal, a voucher management system including the same, and a voucher management method will be described in detail with reference to the accompanying drawings.

Referring to FIG. 3, a voucher terminal according to an embodiment of the present invention may include a biometric unit 110 that recognizes biometric information from a user or a participant, and transmits the biometric information to an external server, and receives service information from an external server. A communication unit 120 for receiving, an input unit 130 that receives letters or numbers from the user or the participant, or receives a control command, the biometric information, user information for the user, and a participant for the participant And an output unit 140 for outputting at least one of the information and the service information, and a control unit 150 for executing a driving program to drive the voucher terminal and executing the voucher program.

The input unit 130 includes a plurality of character keys and numeric keys, and a user or participant inputs various information or commands through the keys. The user or participant inputs or sets a command for checking service information such as user information, participant information, service type, service time, remaining time, account information, or the like through the input unit 130, Can be reset or deleted. In addition, the input unit 130 includes a confirmation button for inputting a command for confirming service information such as user information, participant information, service type, service time, remaining time, account information, and a setting button for inputting a setting command. And a reset button and a delete button for inputting a reset command.

The output unit 140 outputs user information, participant information, service type, service time, remaining time, service information such as account information, and the like. In addition, the voucher terminal has a built-in clock function, and can update service information such as service start time, provision time, and end time by using the clock function, and the output unit 140 outputs the screen. The user or the participant inputs service contents such as the time through the input unit 130. When the voucher terminal further includes a storage unit to be described later, the storage unit stores the contents thereof, and when the communication unit 120 is connected to the voucher server 200, the voucher terminal stores the input service contents. Transfer to the server 200. In this case, it is possible to reduce the communication cost caused by the connection between the voucher terminal 100 and the voucher server 200 in real time.

The communication unit 120 is a mobile communication module for transmitting and receiving wireless signals with at least one of a base station, an external terminal, and a server on a mobile communication network, a wireless internet communication module, Bluetooth, radio frequency identification (RFID), and infrared communication. Local area communication modules such as (IrDA, Infrared Data Association), UWB (Ultra Wideband), ZigBee, wired communication modules such as USB, serial communication, etc. are built-in and communicate with external servers through preset communication protocols and communication methods. do. The communication unit 120 may be configured to transmit and receive information with the external server in real time, and when the voucher terminal is used independently, the voucher terminal is connected to the external server through an external device connection unit described later. It can then be configured to exchange information with the external server. The communication unit 120 performs an authentication operation on the user or the participant through the control unit 150, and then transmits an authentication result to the external server. At this time, the voucher terminal stores an authentication program therein, and the control unit 150 executes the authentication program to perform authentication for the user or the participant. In addition, the communication unit 120 transmits the service content input or confirmed by the user or the participant to the external server.

Referring to FIG. 3, a voucher terminal according to another embodiment of the present invention may include a biometric unit 110 that recognizes biometric information from a user or a participant, drives a voucher terminal by executing a driving program, and executes a voucher program. A control unit 150 that performs authentication of the user or the participant based on the biometric information, and a communication unit which transmits the authentication result to an external server and receives service information according to the authentication result from an external server ( 120, an input unit 130 that receives letters or numbers from the user or the participant, or receives a control command, the biometric information, user information for the user, participant information for the participant, and service information. And an output unit 140 for screen outputting one or more pieces of information.

The communication unit 120 is a mobile communication module for transmitting and receiving wireless signals with at least one of a base station, an external terminal, and a server on a mobile communication network, a wireless internet communication module, Bluetooth, radio frequency identification (RFID), and infrared communication. Local area communication modules such as (IrDA, Infrared Data Association), UWB (Ultra Wideband), ZigBee, wired communication modules such as USB, serial communication, etc. are built-in and communicate with external servers through preset communication protocols and communication methods. do.

The communication unit 120 transmits biometric information of a user or a participant recognized through the biometric recognition unit 110 to an external server through a network. In this case, the communication unit 120 converts the biometric information of the user or participant recognized through the biometric recognition unit 110 according to the communication module and transmits the biometric information to the external server. In addition, the communication unit 120 transmits the service content input or confirmed by the user or the participant to the external server.

The input unit 130 includes a plurality of character keys and numeric keys, and a user or participant inputs various information or commands through the keys. The user or participant may input, set, reset, or delete a command for confirming user information, service information such as participant information, service type, service time, remaining time, and account information through the input unit 130. . In addition, the input unit 130 includes a confirmation button for inputting a command for confirming service information such as user information, participant information, service type, service time, remaining time, account information, and a setting button for inputting a setting command. And a reset button and a delete button for inputting a reset command.

The output unit 140 outputs user information, participant information, service type, service time, remaining time, service information such as account information, and the like. The output unit 140 may include a light emitting diode (LED), a liquid crystal display (LCD), a plasma display panel, and an organic light emitting diode (OLED). It may be formed of any one element.

The input unit 130 and the output unit 140 may have a form of a touch screen capable of both input or output.

The voucher terminal according to the present invention further comprises a user card recognition unit 170 for recognizing the user card in which the user information is stored.

The control unit 150, when the biometric unit 110 recognizes the biometric information of the user, recognizes the user card, or recognizes the biometric information of the user and recognizes the user card, the external The server requests authentication of the user and requests the service information. In this case, the communication unit 120 transmits the user card information or the biometric information of the user to the external server, and after the authentication of the user, the service information for the user, that is, the kind of service that can be provided and the service time. Receive the back.

Alternatively, the control unit 150 may be configured such that the biometric unit 110 recognizes the biometric information of the user, recognizes the user card, or recognizes the biometric information of the user, and recognizes the user card. Upon recognition, authentication is performed for the user, and service information for the user is requested to the external server. In this case, the voucher terminal incorporates an authentication program, and the control unit 150 executes the authentication program to authenticate the user using the user card information or to use the biometric information of the user. To authenticate the user. When a plurality of biometric information is recognized, the control unit 150 combines them to perform authentication. When the user card information and the biometric information of the user are recognized simultaneously or sequentially, the control unit 150 combines them to perform authentication. The communication unit 120 transmits the user information to an external server and receives service information for the user.

The voucher terminal according to the present invention further comprises a participant card recognition unit 180 for recognizing a participant card in which the participant information is stored.

The control unit 150, when the biometric unit 110 recognizes the biometric information of the participant, recognizes the participant card, or recognizes the biometric information of the participant and recognizes the participant card, the external The server requests authentication of the participant and requests the participant information. In this case, the communication unit 120 transmits the participant card information or the biometric information of the participant to the external server, and the authentication information for the participant and the participant can perform after authentication of the participant. Receive

In another manner, the control unit 150 may recognize the biometric information of the participant, recognize the biometric information of the participant, or recognize the biometric information of the participant, and recognize the biometric information of the participant. If recognized, authentication of the participant is performed. In this case, the voucher terminal includes an authentication program, and the control unit 150 executes the authentication program to authenticate the participant using the participant card information or use the biometric information of the participant. To perform authentication for the participant. When a plurality of biometric information is recognized, the control unit 150 combines them to perform authentication. In addition, when the participant card information and the biometric information of the participant are simultaneously or sequentially recognized, the control unit 150 combines them to perform authentication. The communication unit 120 transmits the participant information to an external server and receives information about the participant.

As shown in FIG. 3, the biometric unit 110 includes a face recognition camera 111 that is detached from or embedded in the voucher terminal and photographs the face of the user or the participant.

As shown in FIG. 3, the biometric unit 110 includes an iris recognition camera 112 that is detached from or embedded in the voucher terminal and photographs the iris of the user or the participant.

As shown in FIG. 4, the biometric unit 110 includes a fingerprint reader 113 which is detached from or embedded in the voucher terminal and recognizes a fingerprint of the user or the participant.

The biometric unit 110 may include a voice recognizer that recognizes a voice of the user or the participant.

In other words, the biometric unit 110 may include one or more of the face recognition camera 111, the iris recognition camera 112, the fingerprint recognition 113, a voice recognizer, and other means for recognizing other biometric information. It is configured to include. The biometric unit 110 may further include means for determining which information is recognized when the biometric unit 110 includes a plurality of biometric units.

Specific means of the biometric unit 110, that is, the face recognition camera 111, the iris recognition camera 112, the fingerprint recognition 113, a voice recognizer, other means for recognizing other biometric information, In the present invention, description thereof will be omitted.

The voucher terminal according to the present invention may further include a voice output unit 190 for outputting voice information of at least one of the user information, the participant information, and the service information. The voice output unit 190 informs the user or the participant of the service information such as a social service start time, remaining time, and end time through an alarm and a voice. In addition, the voice output unit 190 notifies the user, in particular, the visually impaired, by voice of the contents of the payment and the remaining available time at the end of the service.

The voucher terminal may further include an external device connection unit 191 connected to an external device to exchange data with each other, and a power connection unit 192 connected to an external power supply device.

The voucher terminal according to the present invention further includes a storage unit 160 for storing the driving program, the voucher program, and storing at least one of the biometric information, the user information, the participant information, and the service information. It is configured by. The storage unit 160 authenticates the user or the participant by using the user card information, the participant card information, the biometric information of the user, the biometric information of the participant, and one or more of the information. You can save more programs.

The storage unit 160 may be a random access memory (RAM), but is preferably a nonvolatile memory. The non-volatile memory (NVM, NVRAM) is a storage device that maintains stored information even when power is not supplied, and includes a ROM, a flash memory, and a magnetic computer storage device (for example, , Hard disk, diskette drive, magnetic tape), optical disk drive, and the like.

2, in the voucher management system according to the present invention, the voucher server 200 and the voucher terminal 100 are connected through a network, and the voucher server 200 is connected to the voucher DB 210. The voucher terminal 100 also includes a biometric unit 110 that recognizes biometric information of the user 11 and the participant 12.

The voucher management system according to the present invention includes a biometric unit 110 that recognizes biometric information from a user or a participant, transmits the biometric information, receives a service information, and executes a voucher program 100. And a voucher server 200 for receiving the biometric information and transmitting service information for the user or the participant to the voucher terminal.

The biometric unit 110 may be detached from or embedded in the voucher terminal 100, and may photograph a face recognition camera 111 photographing a face of the user or the participant, and an iris of the user or the participant. An iris recognition camera 112, a fingerprint recognizer 113 for recognizing a fingerprint of the user or the participant, and a voice recognizer for recognizing a voice of the user or the participant. That is, the biometric unit 110 may use one or more of the means for recognizing the face recognition camera 111, the iris recognition camera 112, the fingerprint recognition 113, a voice recognizer, and other biometric information. It is configured to include. The biometric unit 110 may further include means for determining which information is recognized when the biometric unit 110 includes a plurality of biometric units.

The voucher terminal 100 transmits the biometric information to the voucher server 200 and receives a text message from the user or the participant, and a communication unit 120 for receiving the service information from the voucher server 200. An input unit 130 that receives a number or receives a control command, and an output unit 140 that outputs one or more of the biometric information, the user information for the user, the participant information for the participant, and the service information ), A driving program for driving the voucher terminal, a storage unit 160 for storing the voucher program, and storing at least one of the biometric information, the user information, the participant information, and the service information; And a control unit 150 for executing the program to drive the voucher terminal and executing the voucher program. It is configured.

The description of the communication unit 120, the input unit 130, the output unit 140, and the storage unit 160 will be replaced with the description in the voucher terminal and will be omitted below.

The communication unit 120 transmits the biometric information of the user or participant recognized through the biometric unit 110 to the voucher server 200 through a network. In this case, the communication unit 120 converts the biometric information of the user or participant recognized through the biometric recognition unit 110 according to the communication module and transmits the biometric information to the voucher server 200 or the control unit 150. After performing the authentication operation for the user or the participant through the), the authentication result is transmitted to the voucher server 200. In the latter case, the voucher terminal stores an authentication program therein, and the control unit 150 executes the authentication program to perform authentication for the user or the participant. In addition, the communication unit 120 transmits the service contents input or confirmed by the user or the participant to the voucher server 200.

The voucher terminal 100 may include a clock function, and update service information such as a service start time, a provision time, and an end time by using the clock function, and the output unit 140 outputs the screen. . The user or the participant inputs service contents such as the time through the input unit 130, the storage unit 160 stores the contents, and the communication unit 120 stores the voucher server 200. When connected with the, transfer the service content to the voucher server 200. In this case, it is possible to reduce the communication cost caused by the connection between the voucher terminal 100 and the voucher server 200 in real time.

The voucher terminal according to the present invention further comprises a user card recognition unit 170 for recognizing the user card in which the user information is stored.

The control unit 150 recognizes the biometric information of the user, recognizes the user card, or recognizes the biometric information of the user and recognizes the user card. The server 200 requests authentication of the user and requests the service information. In this case, the communication unit 120 transmits the user card information or the biometric information of the user to the voucher server 200, and after the authentication of the user, the service information for the user, that is, the kind of service that can be provided. , Service time, etc. are sent.

Alternatively, the control unit 150 may be configured such that the biometric unit 110 recognizes the biometric information of the user, recognizes the user card, or recognizes the biometric information of the user, and recognizes the user card. Upon recognition, authentication is performed for the user, and the voucher server 200 requests service information for the user. In this case, the voucher terminal 100 incorporates an authentication program, and the control unit 150 executes the authentication program to perform authentication on the user using the user card information, or the biometrics of the user. The information is used to authenticate the user. When a plurality of biometric information is recognized, the control unit 150 combines them to perform authentication. When the user card information and the biometric information of the user are recognized simultaneously or sequentially, the control unit 150 combines them to perform authentication. The communication unit 120 transmits the user information to the voucher server 200 and receives service information for the user.

The voucher terminal according to the present invention further comprises a participant card recognition unit 180 for recognizing a participant card in which the participant information is stored.

The control unit 150, when the biometric unit 110 recognizes the biometric information of the participant, recognizes the participant card, or recognizes the biometric information of the participant and recognizes the participant card, the voucher The server 200 requests authentication of the participant and requests the participant information. In this case, the communication unit 120 transmits the participant card information or the biometric information of the participant to the voucher server 200, and authenticates the participant with the participant after authentication of the participant. Receive service that can be.

In another manner, the control unit 150 may recognize the biometric information of the participant, recognize the biometric information of the participant, or recognize the biometric information of the participant, and recognize the biometric information of the participant. If recognized, authentication of the participant is performed. In this case, the voucher terminal 100 embeds an authentication program, and the control unit 150 executes the authentication program to authenticate the participant using the participant card information, or the biometrics of the participant. The information is used to authenticate the participant. When a plurality of biometric information is recognized, the control unit 150 combines them to perform authentication. In addition, when the participant card information and the biometric information of the participant are simultaneously or sequentially recognized, the control unit 150 combines them to perform authentication. The communication unit 120 transmits the participant information to the voucher server 200 and receives the information about the participant.

The voucher server 200 may include a communication module 220 that receives the biometric information from the voucher terminal and transmits the service information, and generates, updates, and stores the user information, the participant information, and the service information. Or it further comprises an information processing module 230 for managing.

The communication module 220 is connected to the communication unit 120 of the voucher terminal 100 in a wired / wireless communication manner so as to recognize identification information of the user or the participant from the communication unit 120, for example, card information, Receives biometric information such as face, iris, retina, palmistry, foot print, fingerprint, vein, DNA, voice, or service input history, and transmits the user information or the participant information to the communication unit 120 to the user. Send service information.

The information processing module 230 registers the user information and the participant information in advance, and generates, updates, or manages service information for the user or the participant. The information processing module 230 also performs authentication by using the identification information of the user or the participant received through the communication module 220. In addition, the information processing module 230 stores the service information or the authentication result, the service input history, etc. in the voucher DB 210, or read it again and then store it again through the processing.

Referring to FIG. 7, a user 11 serving as a service beneficiary and a business organization 20 for selecting a service beneficiary are illustrated. In addition, the center conducts monitoring and research to improve the distribution structure and service quality of the electronic voucher, including deposit payment, settlement, and integrated computer network operation of the electronic voucher; The voucher server 200 (hereinafter, including the center), a participant 12 that is recognized as a service provider and provides services to the users 11, the user 11, and the voucher server 20. )), The financial institution 30 is shown to perform the issuance, operation, payment, settlement of the voucher card in connection with the participant (12).

When the voucher user 11 applies for service to the business institution 20, the business institution 20 examines whether the user 11 has a user qualification and then approves if it is recognized that the user has the user qualification. S12). At this time, the user 11 registers his / her biometric information to the voucher server 200 through the business institution 20 (S11). The business institution 20 provides the user information about the user who has approved the user qualification to the voucher server 200 (S13), and the service to be provided to the voucher user 11 to the voucher server 200. Deposit the relevant deposit (S14). The voucher server 200 provides the user information received from the business institution 20 to the financial institution 30 (S15) and requests to create a voucher account, and the financial institution 30 based on the received user information. Open a voucher account for the user. If there is a copayment to be paid by the user 11 in relation to the corresponding voucher account, the user issues a voucher card when the user pays the copayment (S20) or there is no copayment of the user (S21). . Here, the voucher card may be a check card that can be added to the voucher transaction function or a voucher transaction only to a card capable of general financial transactions, such as credit card, debit card, check card. The participant may also register biometric information in advance with the voucher server 200 (S16).

The user 11 purchases a predetermined service from the participant 12 using the issued voucher card (user card) (S22), and the participant 12 provides the predetermined service in return (S23). . In addition, the participant 12 bills the financial institution 30 for the service provided (S24), and the financial institution 30 pays the price (S30). Regarding the participant's billing, the financial institution 30 pays the bill after examining whether the participant 12 provides the service and bills itself, either on its own or through the voucher server 200. do. In addition, the financial institution 30 transmits the payment details to the voucher server 200 (S31), the voucher server 200 after the review of the payment details, if the payment details are just payment using the deposited funds. Perform the execution (S32). The voucher server 200 reports the execution details to the business institution 20 (S33).

Referring to FIG. 8, the voucher server 200 that has been notified of the voucher subject who is the subject of the voucher card issuance from the business institution 20 may generate the voucher account while providing the financial institution 30 with information on the user who is the voucher subject. Request (S51). The financial institution 30 generates a voucher account 11-3 for the user based on the corresponding voucher target information (user information) (S52). The voucher server 200 has a deposit account 11-1 and a copayment account 11-2, and regularly (for example, from the deposit account 11-1 and the copayment account 11-2). 1 month unit, etc.) is transferred to the voucher account (11-3) generated by the financial institution 30, respectively (S52-1 and S52-2). Copayment means a certain amount that the user 11 must pay in advance to receive the service. After the participant 12 provides the service to the user 11, the participant 12 requests a payment for the corresponding amount to the financial institution 30 (S53). The financial institution 30 approves and pays the payment itself (S57), or requests approval from the voucher server 200 (S54), and the voucher server 200 considers the approval request and then justifies it (S55). In the case of service provision, the financial institution 30 allows payment (S57) by approving (S56). In this case, a certain amount of money is transferred from the voucher account (11-3) of the user who received the service to the participant account (12-1) of the participant and the payment settlement (S57-1) is performed. According to the process of the service providing work described above, payment settlement (S57-1) in the financial institution 30 occurs from time to time, the payment is made within 3 to 5 days after the participant 12 requests the payment. .

9 and 10, the voucher management method according to an embodiment of the present invention, the program start step (S110) that the voucher terminal starts the execution of the voucher program, the voucher terminal from the participant biometric information from the participant A participant recognition step (S120) of recognizing a participant, a participant authentication step (S130) of authenticating the participant by the voucher terminal using the participant biometric information, and a user recognition step of the voucher terminal recognizing user biometric information from a user (S140), a user authentication step in which the voucher terminal authenticates the user using the user biometric information (S150), and the service information in which the voucher terminal requests service information for the user or the participant from a voucher server. Request step (S160), and the voucher server corresponding service to the voucher terminal Service information transmission step (S170) for transmitting information, and a service input step (S180) that the voucher terminal receives the service content from the user or the participant. Hereinafter, the configuration of the apparatus will be described with reference to FIGS. 2 to 6.

In addition, the voucher management method further includes a user card recognition step (S141) in which the voucher terminal recognizes a user card in which the user information is stored. In the user authentication step (S150), the user is authenticated by using the user biometric information or by using the user biometric information and the user information stored in the user card. Here, the biometric information is information of at least one of a face, an iris, a retina, a palmistry, a palm print, a fingerprint, a vein, a DNA, and a voice.

The voucher terminal 100 first executes the built-in voucher program and authentication program (S110). The voucher terminal 100 recognizes the biometric information of the participant through a built-in or detachably connected biometric unit 110 (S120), recognizes the participant card (S121), or the biometric information of the participant. Recognize and recognize the participant card, and performs authentication for the participant (S130). The voucher terminal 100 executes the authentication program to authenticate the participant using the participant card information or the participant authentication using the biometric information of the participant. When the plurality of biometric information is recognized, the voucher terminal combines them to perform authentication. In addition, when the participant card information and the biometric information of the participant are simultaneously or sequentially recognized, the voucher terminal performs authentication by combining them. The voucher terminal 100, the biometric unit 110 recognizes the biometric information of the user (S140), or recognizes the user card (S141), or recognizes the biometric information of the user and the user card If it is recognized, the user is authenticated (S150), and the voucher server 200 requests service information for the user (S160). The voucher terminal 100 executes the authentication program to authenticate the user using the user card information, or to authenticate the user using the biometric information of the user. When the plurality of biometric information is recognized, the voucher terminal 100 combines them to perform authentication. In addition, when the user card information and the biometric information of the user are recognized simultaneously or sequentially, the voucher terminal 100 performs authentication by combining them. The voucher terminal 100 transmits the user information to the voucher server 200, and receives the service information for the user (S170). Then, if the participant or the user enters the service details (S180) or confirms (S181), the voucher terminal 100 transmits the details to the voucher server 200 again, and the voucher server 200 Is stored or managed through the voucher DB (210) or the like.

As another example, in the voucher management method, the voucher terminal may download and store the service information in advance. In this case, a service information requesting step (S160) in which the voucher terminal requests service information for the user or the participant from a voucher server, and a service information transmitting step in which the voucher server transmits corresponding service information to the voucher terminal. S170 is omitted. That is, in the voucher management method, a program start step (S110) in which a voucher terminal starts execution of a voucher program, a participant recognition step (S120) in which the voucher terminal recognizes participant biometric information from a participant, and the voucher terminal is Participant authentication step (S130) of authenticating the participant using the participant biometric information, a user recognition step (S140) in which the voucher terminal recognizes the user biometric information from the user, and the voucher terminal using the user biometric information A user authentication step of authenticating the user (S150), a service input step of receiving a service content from the voucher terminal by the user or the participant (S180), and storing the input content by the voucher terminal ( Not shown). The voucher management method may further include the step of transmitting, by the voucher terminal, the stored input content to a voucher server. The voucher management method may further include requesting service information for the user or the participant, and downloading and storing the service information in advance. In this case, the service input step (S180) uses a clock function built in the voucher terminal. In this case, when the voucher terminal is connected to the voucher server, it is possible to reduce the communication cost generated by connecting the voucher terminal and the voucher server in real time by transmitting the input service content to the voucher server.

Referring to FIG. 11, a voucher management method according to another embodiment of the present invention may include a program start step (S210) in which the voucher terminal starts execution of a voucher program, and the voucher terminal recognizes participant biometric information from a participant, Or a participant recognition step (S220, S221) of recognizing a participant card in which participant information is stored, a user recognition step (S230) of the voucher terminal recognizing user biometric information from a user, and the voucher terminal being connected to the voucher server. Authentication request step (S240) for requesting authentication for the participant, authentication step (S250) for the voucher server to perform authentication for the user or the participant, and the voucher server corresponding service information to the voucher terminal Service information transmission step (S260) of transmitting a message and the voucher terminal to the user; Or it comprises a service input step (S270) for receiving the service content from the participant. Hereinafter, the configuration of the apparatus will be described with reference to FIGS. 2 to 6.

The voucher management method further includes a user card recognition step (S231) of the voucher terminal recognizing a user card in which the user information is stored. Here, in the performing of the authentication (S250), the user is authenticated by using the user biometric information or by using the user biometric information and the user information stored in the user card. Here, the biometric information is information of at least one of a face, an iris, a retina, a palmistry, a palm print, a fingerprint, a vein, a DNA, and a voice.

The voucher terminal 100 first executes the built-in voucher program to recognize the participant or the user (S210). The voucher terminal recognizes the biometric information of the participant (S220), recognizes the participant card (S221), or recognizes the biometric information of the participant and recognizes the participant card, the voucher server 200. Request authentication for the participant, and requests the participant information (S240). The voucher terminal 100 transmits the participant card information or the biometric information of the participant to the voucher server 200, and after the voucher server 200 performs authentication on the participant (S250). Receive the authentication information for the participant and the service that the participant can perform (S260). The voucher terminal 100 recognizes the biometric information of the user (S230), recognizes the user card (S231), or recognizes the biometric information of the user and recognizes the user card, the voucher server ( 200 and requests authentication for the user, and requests the service information (S240). The voucher terminal 100 transmits the user card information or the biometric information of the user to the voucher server 200, and the voucher server 200 sends the voucher server 200 after authentication (S250) to the user. Service information, that is, a service type, a service time, and the like, are transmitted (S260). If the participant or the user inputs the service details (S270) or confirms (S271), the voucher terminal 100 transmits the details to the voucher server 200 again, and the voucher server 200 is a voucher. Store or manage through the DB (210).

As described above, the voucher terminal, the voucher management system including the same, and the voucher management method according to the present invention manage the information of the service user, or the service user and the participant using biometric information to prevent misuse and fraud, thereby preventing social abuse. It enables correct and transparent payment, and informs the voucher terminal of service information to the visually impaired by alarm or voice.

11: user 12: participant
20: Business Institution 30: Financial Institution
100: voucher terminal 200: voucher server
110: biometric unit 120: communication unit
130: input unit 140: output unit
150: control unit 160: storage unit
170: user card recognition unit 180: participant card recognition unit
190: audio output unit 191: external device connection
192: power connection 21, 210: voucher DB
220: communication module 230: information processing module

Claims (24)

A biometric unit recognizing biometric information from a user or participant;
A communication unit for transmitting the biometric information to an external server and receiving service information from the external server;
An input unit which receives letters or numbers from the user or the participant, or receives a control command;
An output unit for outputting at least one of the biometric information, the user information for the user, the participant information for the participant, and the service information; And
And a control unit which executes the driving program to drive the voucher terminal and executes the voucher program. The method according to claim 1,
And a user card recognition unit for recognizing a user card in which the user information is stored. The method of claim 2,
The control unit, when the biometric unit recognizes the biometric information of the user, recognizes the user card, or recognizes the biometric information of the user and recognizes the user card, the external server for the user A voucher terminal for requesting authentication and requesting the service information. The method according to claim 1,
And a participant card recognition unit recognizing a participant card in which the participant information is stored. The method of claim 4, wherein
The control unit, when the biometric unit recognizes the biometric information of the participant, recognizes the participant card, or recognizes the biometric information of the participant and recognizes the participant card, the external server for the participant A voucher terminal for requesting authentication and requesting the participant information. A biometric unit recognizing biometric information from a user or participant;
A control unit which executes a driving program to drive the voucher terminal, executes the voucher program, and performs authentication of the user or the participant based on the biometric information;
A communication unit which transmits the authentication result to an external server and receives service information according to the authentication result from an external server;
An input unit which receives letters or numbers from the user or the participant, or receives a control command; And
And an output unit configured to output at least one of the biometric information, the user information for the user, the participant information for the participant, and the service information. The method of claim 6,
And a user card recognition unit for recognizing a user card in which the user information is stored. The method of claim 7, wherein
The control unit performs authentication on the user when the biometric unit recognizes the biometric information of the user, recognizes the user card, or recognizes the biometric information of the user and recognizes the user card. And requesting service information on the user from the external server. The method of claim 6,
And a participant card recognition unit recognizing a participant card in which the participant information is stored. 10. The method of claim 9,
The control unit, when the biometric unit recognizes the biometric information of the participant, recognizes the participant card, or recognizes the biometric information of the participant and recognizes the participant card, performs authentication of the participant. Voucher terminal, characterized in that. The biometric unit according to any one of claims 1 to 10, wherein
A face recognition camera detached from or embedded in the voucher terminal and photographing the face of the user or the participant, an iris recognition camera photographing the iris of the user or the participant, and a fingerprint recognizing a fingerprint of the user or the participant A voucher terminal comprising at least one device of a recognizer, a voice recognizer for recognizing a voice of the user or the participant. The method according to any one of claims 1 to 10,
And a voice output unit configured to voicely output one or more pieces of information of the user information, the participant information, and the service information. The method according to any one of claims 1 to 10,
And a storage unit which stores the driving program, the voucher program, and stores at least one of the biometric information, the user information, the participant information, and the service information. A voucher terminal having a biometric unit for recognizing biometric information from a user or a participant, transmitting an authentication result of the user or the participant based on the biometric information or the biometric information, and receiving service information to execute a voucher program. ; And
Voucher server for receiving the biometric information, and transmits the service information for the user or the participant to the voucher terminal. The method of claim 14, wherein the biometric unit,
A face recognition camera detached from or embedded in the voucher terminal and photographing a face of the user or the participant, an iris recognition camera photographing the iris of the user or the participant, and a fingerprint recognizing a fingerprint of the user or the participant A voucher management system comprising at least one device of a recognizer, a voice recognizer for recognizing a voice of the user or the participant. The voucher terminal of claim 14,
A communication unit for transmitting the biometric information to the voucher server and receiving the service information from the voucher server;
An input unit which receives letters or numbers from the user or the participant, or receives a control command;
An output unit for outputting at least one of the biometric information, the user information for the user, the participant information for the participant, and the service information;
A driving program for driving a voucher terminal, a storage unit for storing the voucher program, and storing at least one of the biometric information, the user information, the participant information, and the service information; And
And a control unit which executes the drive program to drive the voucher terminal and executes the voucher program. The method of claim 16, wherein the voucher terminal,
And a user card recognition unit for recognizing a user card in which the user information is stored. The voucher terminal of claim 16 or 17,
And a participant card recognition unit recognizing a participant card in which the participant information is stored. The voucher server according to any one of claims 14 to 16,
A communication module for receiving the biometric information from the voucher terminal and transmitting the service information; And
And an information processing module for generating, updating, storing, or managing the user information, the participant information, and the service information. A program start step in which the voucher terminal starts execution of the voucher program;
A participant recognition step of the voucher terminal recognizing participant biometric information from a participant;
A participant authentication step in which the voucher terminal authenticates the participant using the participant biometric information;
A user recognition step of the voucher terminal recognizing user biometric information from a user;
A user authentication step in which the voucher terminal authenticates the user using the user biometric information;
A service information request step of the voucher terminal requesting service information for the user or the participant from a voucher server;
A service information transmitting step of transmitting, by the voucher server, corresponding service information to the voucher terminal; And
And a service input step of receiving, by the voucher terminal, service contents from the user or the participant. The method of claim 20,
A user card recognition step of the voucher terminal recognizing a user card in which the user information is stored;
The user authentication step,
And the user is authenticated using the user biometric information or the user biometric information and the user information stored in the user card. A program start step in which the voucher terminal starts execution of the voucher program;
A participant recognition step of the voucher terminal recognizing participant biometric information from a participant or a participant card in which the participant information is stored;
A user recognition step of the voucher terminal recognizing user biometric information from a user;
An authentication request step, wherein the voucher terminal requests authentication of the user or the participant from a voucher server;
Performing authentication by the voucher server for the user or the participant;
A service information transmitting step of transmitting, by the voucher server, corresponding service information to the voucher terminal; And
And a service input step of receiving, by the voucher terminal, service contents from the user or the participant. The method of claim 22,
A user card recognition step of the voucher terminal recognizing a user card in which the user information is stored;
The performing of the authentication,
And the user is authenticated using the user biometric information or the user biometric information and the user information stored in the user card. The biometric information according to any one of claims 20 to 23, wherein
Voucher management method characterized in that the information of one or more of the face, iris, retina, palmistry, foot prints, fingerprints, veins, DNA, voice.

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