Biometric authentication smart card

1. A biometric authentication smart card comprising:

a biometric authentication sensor configured to sense at least two types of biometric information of a user and to generate raw images therefrom; and

processing circuitry configured to,

generate a matching template including biometric features based on the raw images,

select a user index from among a plurality of user indices based on the matching template, and

output, to a payment terminal, payment class information and payment means information set adaptively for the user index.

2. The biometric authentication smart card of claim 1 , wherein the payment class information is customizable for each of the plurality of user indices and includes an indication of at least one of a credit limit amount, a usage place range, a usage time range, available terminals, and available services.

3. The biometric authentication smart card of claim 1 , wherein the processing circuitry is configured to,

process and store first security information for the matching template, and second security information for the payment class information and the payment means information, and

encrypt and output the first security information or the second security information.

4. The biometric authentication smart card of claim 1 , further comprising:

at least one memory configured to store verification templates, and to store payment information corresponding to the plurality of user indices, wherein

the processing circuitry is configured to compare the matching template with at least one of the verification templates to generate a comparison result, and to select the user index from among the plurality of user indices based on the comparison result.

5. The biometric authentication smart card of claim 4 , wherein the payment information includes application usage control (AUC), the payment class information and payment online/offline information corresponding to the plurality of user indices.

6. The biometric authentication smart card of claim 5 , wherein the payment information further includes a floor limit and the payment means information.

7. The biometric authentication smart card of claim 4 , wherein the processing circuitry is configured to output the payment information and the payment means information to the payment terminal.

8. The biometric authentication smart card of claim 7 , wherein the processing circuitry is configured to output the payment information to the payment terminal such that the payment terminal determines whether to approve a payment amount of sale-related information based on the payment information.

9. The biometric authentication smart card of claim 7 , wherein the processing circuitry is configured to output the payment information to the payment terminal such that the payment terminal the payment terminal determines whether to transmit a payment approval request for a payment amount to a payment server based on payment online/offline information included in the payment information.

10. The biometric authentication smart card of claim 4 , wherein the processing circuitry is configured to output, to the payment terminal, payment information based on the user index such that the payment information output to the payment terminal based on a first user index is different from the payment information output to the payment terminal based on a second user index.

11. The biometric authentication smart card of claim 1 , wherein the biometric authentication sensor and the processing circuitry are implemented into at least one chip.

12. A smart payment system comprising:

a payment terminal configured to request a payment amount based on sale-related information, and to approve a payment by comparing the sale-related information and the payment amount with payment class information; and

a biometric authentication smart card including,

a biometric authentication sensor configured to sense at least two types of biometric information of a user and to generate raw images therefrom, and

processing circuitry configured to,

generate a matching template including biometric features based on the raw images,

select a user index from among a plurality of user indices based on the matching template, and

output, to the payment terminal, the payment class information and payment means information set adaptively for the user index, wherein the payment means information corresponds to the request.

13. The smart payment system of claim 12 , wherein the payment class information is customizable for each of the plurality of user indices and includes an indication of a credit limit amount, a usage place range, and a usage time range.

14. The smart payment system of claim 13 , wherein the payment terminal is configured to approve the payment based on the payment means information, in response to the sale-related information being within the usage place range and the usage time range, and the payment amount being less than or equal to the credit limit amount.

15. The smart payment system of claim 12 , wherein the biometric authentication smart card further comprises:

at least one memory configured to store verification templates for each of a plurality of users, wherein

the processing circuitry is configured to compare the matching template with at least one of the verification templates to generate a comparison result, and to select the user index from among the plurality of user indices based on the comparison result.

16. The smart payment system of claim 15 , wherein

the at least one memory is configured to store payment information corresponding to the plurality of user indices, the payment information including application usage control (AUC) and the payment class information, and

the processing circuitry is configured to encrypt the payment information based on the user index to generate encrypted payment information, and to output the encrypted payment information to the payment terminal.

17. The smart payment system of claim 16 , wherein the payment class information includes payment online/offline information indicating whether the payment terminal is connected to a payment server.

18. The smart payment system of claim 17 , wherein the payment terminal is configured to transmit a payment approval request to the payment server, when the payment online/offline information is set to an online mode.

19. The smart payment system of claim 17 , wherein the payment terminal is configured to autonomously determine whether to approve the payment according to whether the payment terminal is included in the AUC, if the payment online/offline information is set to an offline mode.

20. A method implemented by a biometric authentication smart card, the biometric authentication smart card including a biometric authentication sensor and processing circuitry, the method comprising:

sensing, by the biometric authentication smart card via the biometric authentication sensor, at least two types of biometric information of a user;

generating, by the biometric authentication smart card via the biometric authentication sensor, raw images based on the at least two types of biometric information of the user;

generating, by the biometric authentication smart card via the processing circuitry, a matching template including biometric features based on the raw images;

selecting, by the biometric authentication smart card via the processing circuitry, a user index from among a plurality of user indices based on the matching template; and

outputting, by the biometric authentication smart card via the processing circuitry, payment class information and payment means information to a payment terminal such that the payment class information and payment means information is set adaptively for the user index.