PORTABLE USB MEMORY STICK HAVING PAYMENT FUNCTION, AND PAYMENT SYSTEM USING USB MEMORY STICK, AND METHOD THEREFOR

The present invention relates to a portable USB memory stick, a settlement system using the same, and an application method thereof. The present invention provides a portable USB memory stick that performs user authentication using a fingerprint and then transmits internal settlement information as payment means information, such as a serial number of a credit card, to an external terminal, a settlement system using such a USB memory stick, and an application method thereof. The portable USB memory stick includes a biological information detection unit (300) that detects user's biological information, such as the fingerprint, an authentication information memory unit (306) that stores biological information of an original user, a settlement information memory unit (312) that stores the settlement information, a biological information authentication unit (302) that judges whether or not the user's biological information transmitted from the biological information detection unit (300) is consistent with the biological information of the original user stored in the authentication information memory unit (306), a settlement processing unit (310) that reads out the settlement information stored in the settlement information memory unit (312) when the biological information authentication unit (302) judges that the user's biological information is consistent with the biological information of the original user, and a control unit (308) that transmits the settlement information to the external terminal through a transmitting/receiving unit (3049 and controls an overall operation. La présente invention concerne une barrette mémoire USB portative, un système de règlement utilisant la barrette mémoire, et un procédé applicatif associée à la barrette mémoire. La barrette mémoire authentifie un usager au moyen d'une empreinte digitale, puis envoie à un terminal extérieur des informations internes de règlement utilisées comme informations de moyen de paiement, telles qu'un numéro de série d'une carte de crédit. La barrette mémoire USB portative comprend: une unité de détection d'informations biologiques (300) qui détecte des informations biologiques de l'usager, telles que l'empreinte digitale; une unité de stockage d'informations d'authentification (306) qui stocke des informations biologiques d'un usager initial; une unité de stockage d'informations de règlement (312) qui stocke les informations de règlement; une unité d'authentification d'informations biologiques (3