Patent ID: 9589260
Date: 2017-03-07
CPC Classifications: G06Q,G07F,H04L

Claim:
1. A system of authenticating an electronic money comprising: a sensor configured to recognize a biometric pattern from a user; a smart card comprising a processor and memory storing executable instructions that when executed cause the processor to perform the steps of: storing a subscriber's biometric digital signature, public key infrastructure (PKI) certificate matching with the subscriber's biometric digital signature, an electronic money information in an IC chip, and the PKI certificate includes code information; receiving a user's biometric pattern; comparing the user's biometric pattern with the subscriber's biometric digital signature and with the code information; determining that the user's biometric pattern matches the subscriber's biometric digital signature and the code information; and based on the determining, generating a completion message including authentication information and a Uniform Resource Locator (URL); and a communication terminal comprising a communication terminal processor and a communication terminal memory storing communication terminal executable instructions that when executed cause the communication terminal processor to perform the steps of: receiving the completion message from the smart card; based on the receiving, transmitting the authentication information of the URL to a server of the URL; and receiving fro the server a notification and based on the received notification, transmitting an update request to update a balance of the electronic money to the smart card upon certification that the authentication information is authentic.