KR101806273B1 - Electronic payment system using finger vein recognition and method for processing thereof - Google Patents

Abstract

The present invention relates to a processing method of an electronic banking payment system using the fingerprint and/or finger vein recognition by gender and age group of clients of each bank. The processing method includes the steps of: providing a fingerprint and/or finger vein payment app to a fingerprint and/or finger vein payment service server of an electronic payment system, enabling clients to access the fingerprint and/or finger vein payment service server through a communication network, and downloading and installing the fingerprint and/or finger vein payment app; obtaining the fingerprint and/or finger vein information of the clients through a fingerprint and/or finger vein recognizer thereof and providing the obtained fingerprint and/or finger vein information to the fingerprint and/or finger vein payment service server through the communication network; activating the fingerprint and/or finger vein payment app installed with the clients and registering banks; obtaining information having the value one for representing male users and two for representing female users to categorize clients and providing the information with gender information of the client users indicated by values of one and two to the fingerprint and/or finger vein service server through the communication network; and registering the gender information while categorizing the users into age groups.

Description

TECHNICAL FIELD [0001] The present invention relates to an electronic financial settlement system, and more particularly, to an electronic financial settlement system using a fingerprint and /

The present invention relates to a method of processing an electronic financial settlement system using fingerprints and / or fingerprints that distinguish between men and women by bank, and more specifically, to reduce the probability of misrecognition, men and women are classified and registered for each household, And / or a method of processing an electronic financial settlement system for replacing a credit card settlement method using finger vein recognition.

Biometric technology refers to technology that identifies or identifies an individual using biometric information. Until now, biometrics have been using fingerprints, faces, irises or voices to identify individual identities.

The fingerprint recognition technology is small in recognition device and can be mass-produced at low cost. Also, it shows relatively good performance in terms of accuracy and speed of recognition. However, fingerprints are exposed outside the body and are likely to be stolen and deformed by sweat, which can affect recognition performance. There are also hygiene problems. Iris recognition technology is the most reliable biometric technology in that recognition errors are unlikely and counterfeiting is difficult. However, most people are reluctant to shine directly in the eye for iris recognition, and iris recognition devices are large and expensive. Face or voice recognition technology has the advantage of being the most natural form of biometric information in identity recognition. However, it has a disadvantage in that it is less accurate than other technologies in terms of recognition accuracy.

In order to overcome and overcome the disadvantages of the biometric techniques described above, finger vein recognition technology has been developed. The finger vein recognition technology refers to a technique for identifying an individual using a finger vein pattern image acquired through infrared rays. Human veins are located in complex shapes directly beneath the skin. According to various studies, the pattern of the veins is different for each individual, and it is known that the pattern does not change with age. The fingerprint recognition technology has the following advantages. That is, since the vein is inside the body, there is little risk of theft or forgery, and the state of the finger surface has no effect on the recognition. In addition, it is possible to construct a noncontact type device with high convenience for the user by using infrared rays. Since the finger pattern can be stably and relatively clearly searched, a camera having a low resolution can be used to obtain a small fingerprint image have. That is, fingerprint recognition technology can provide balanced performance in terms of security and convenience.

Due to these advantages, finger vein recognition technology is more difficult than fingerprint, iris, face and voice recognition technology for counterfeit modulation. Therefore, biometric authentication device with higher safety can be realized and miniaturization is possible. .

Korean Registered Patent No. 10-0954776 (published on Apr. 28, 2010) Korean Patent Registration No. 10-1050301 (Bulletin issued on July 19, 2011) Korean Patent Laid-Open Publication No. 10-1025666 (Announcement on Mar. 30, 2011) Korean Patent Laid-Open Publication No. 10-1210750 (December 10, 2012)

An object of the present invention is to provide an electronic financial settlement system and method using finger vein recognition to replace a credit card settlement method.

The present invention provides an electronic financial settlement system and a method for classifying and registering men and women as well as banks used to reduce the probability of misrecognition, and discriminating between them.

Another object of the present invention is to provide an electronic payment system and method for supplementing and recognizing finger temperature and blood flow during electronic payment using finger vein recognition.

It is another object of the present invention to provide an electronic financial settlement system and method using finger vein recognition through a mobile application.

It is another object of the present invention to provide an electronic financial settlement system and method using fingerprint and finger vein recognition by developing a fingerprint and finger vein recognition device.

In order to achieve the above objects, the electronic financial settlement system using the fingerprint and finger vein recognition of the present invention is characterized in replacing credit card settlement through a mobile application. Such an electronic financial settlement system using fingerprint and fingerprint recognition can provide security and convenience in electronic payment of a credit card or the like.

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The present invention according to this aspect is characterized by comprising a scanner for scanning a finger of a customer to acquire first or second fingerprints and / or finger vein information, and first or second fingerprints and / or fingerprint information obtained from the scanner An LCD for displaying first or second fingerprints and / or fingerprint information scanned from the scanner or for displaying an operation state of the first or second fingerprint and / or the finger vein recognizer, An interface module connected to the client or the merchant client and providing the first or second fingerprint and / or fingerprint information acquired from the scanner to the client client or the merchant client, and a first or second fingerprint and / Each of which has a first or second fingerprint and / or a finger vein recognizer including a controller for controlling all operations of the recognizer, A method of processing an electronic financial settlement system using a fingerprint and / or a finger vein recognition according to occurrence of a commercial transaction in a client and a merchant client, the method comprising the steps of: receiving a fingerprint and / Providing a payment application, allowing a customer client to access the fingerprint and / or fingerprint payment service server through a communication network, download the fingerprint and / or fingerprint payment application and install the fingerprint and / or fingerprint payment application; Acquiring first fingerprint and / or fingerprint information of the customer through the first fingerprint and / or the finger vein reader of the customer client, activating the fingerprint and / or fingerprint payment app installed in the customer client, Providing the first fingerprint and / or the fingerprint information to the fingerprint and / or the FTC service server via the communication network; Activating the fingerprint and / or fingerprint payment app installed in the customer client and registering the bank separately; 1 "and the female information" 2 "obtained from the client by dividing the client into" 1 "and" 2 ", and transmits the obtained male information" 1 "and female information" 2 " A fingerprint and / or a fingerprint settlement service server divides the male and female by household units and stores the household unit identification information in a database; The second fingerprint and / or the fingerprint information and the bank information of the customer from the second fingerprint and / or the finger vein recognizer of the merchant client, the information input by the man as "1", the information input by the man as "2" And the second fingerprint and / or the fingerprint information and the bank information, the information inputted by the man as "1", the woman as "2", the generation unit identification information and the settlement information according to the occurrence of the commerce, And a vein settlement service server for requesting settlement approval, the first and second fingerprints and / or the finger vein recognizing device being capable of taking a fingerprint and / or a fingerprint and / or a finger vein, The object accommodating unit 1201 includes a scan panel upper case 1201a and a scan panel lower case 1201b that accommodates the full length of the scan panel upper case 1201a and the upper case 1201b. And a scan panel 1250 for simultaneously photographing a fingerprint, a fingerprint and / or a finger vein made of a transparent material of the fingerprint and / or finger vein fingerless contact part 1250. The scan panel 1250 includes a fingerprint finger contact part 1250a, And the fingerprint and / or fingerprint settlement service server is formed by arranging the fingerprint and / or fingerprint information and the bank information, which are input and transmitted from the merchant client, The first fingerprint and / or the fingerprint information and the bank information registered in the database, the information of the man and the information of the household unit are inputted as "1", "2" and "1" Comparing the input information and the generation unit identification information to identify the customer authentication; As a result of the determination, if the information inputted as the first fingerprint and / or the fingerprint information and / or the fingerprint information and the bank information, the information of the male as "1" And a step of informing that the settlement service server has approved the settlement to the customer client or the merchant client, and a processing method of the electronic financial settlement system using the fingerprint and / or the finger vein recognition .

Further, the fingerprint and / or fingerprint settlement service server of the present invention may include a first fingerprint and / or fingerprint information and bank information provided from the client client, information input by a man of "1", a woman of "2" The unit identification information is stored and registered in the database and the first fingerprint and / or finger vein information and the bank information are inputted through the communication network, the information inputted by the man is "1" To a card issuer server; The first fingerprint and / or the fingerprint information and the bank information transmitted from the fingerprint and / or the fingerprint settlement service server, the information inputted by the male is "1", the female is input by "2" Matching the information with the payment means of the registered customer and registering the information; The first fingerprint and / or the fingerprint information and the bank information that the fingerprint and / or the fingerprint settlement service server inputs and transmits from the client client or the merchant client, the man is inputted as "1" and the woman is inputted as "2" The first fingerprint and / or the fingerprint information and the bank information registered in the database, the information input by the man as "1", the information input by the man as "2", and the information of the generation unit are compared and analyzed Determining a customer authentication; As a result of the determination, if the information inputted as the first fingerprint and / or the fingerprint information and / or the fingerprint information and the bank information, the information of the male as "1" The settlement service server transmits the first fingerprint and / or the fingerprint information and the bank information, the information inputted by the man as "1" Requesting a credit card company server for payment approval; The first fingerprint and / or the fingerprint information and the bank information requested to be paid by the credit card company server, information input as "1" for the man, "2" for the woman, and payment means of the customer corresponding to the household unit identification information Further comprising the step of informing the customer client or the merchant client that the settlement has been approved by the fingerprint and / or the FTC service server when the settlement is approved. And a processing method of an electronic financial settlement system using the MAC recognition.

The information inputted by the man as "1", the woman as "2" and the household unit identification information as the information for discriminating the male and female according to the present invention is downloaded to the electronic payment system and the fingerprint and / The present invention also relates to a method of processing an electronic financial settlement system using fingerprints and / or finger vein recognition that distinguish between men and women of each bank.

Further, the identification information and the fingerprint and / or the fingerprint recognition method for distinguishing men and women according to the present invention can be registered or authenticated in a state in which the consumer owns the mobile within the mobile itself, And a processing method of an electronic financial settlement system using fingerprint identification and / or fingerprint recognition.

Further, the first fingerprint and / or the finger vein acquired through each of the first fingerprint and / or the vein recognizer of the customer client and the second fingerprint and / or the vein recognizer of the merchant client, Providing the information to the fingerprint and / or the fingerprint settlement service server through the communication network further detects the temperature or blood flow of the finger of the customer so that the obtained first and second fingerprints and / And fingerprint and / or fingerprint identification service that distinguishes between the male and female households according to the bank, and provides the MAC information to the fingerprint and / or the fingerprint settlement service server.

As described above, the electronic financial settlement system using the fingerprint and finger vein recognition of the present invention provides an electronic financial settlement service using a finger vein authentication to replace a credit card settlement through a mobile application, It can provide security and convenience in electronic payment.

In order to reduce the probability of misrecognition, the present invention distinguishes men and women from each other and discriminates them, thereby reducing the number of judgment cases by half and reducing the probability of false recognition by half, compared with the effect of the patent application invented by the present inventor It is effective.

Furthermore, as information for discriminating men and women according to the present invention, information inputted as "1" for a man and "2" for a woman is downloaded as an option in an electronic financial settlement system, and the fingerprint and / , It can be applied not only to existing systems but also to mobile devices, thereby satisfying various needs of the consumer.

Further, the electronic financial settlement system using the fingerprint and finger vein recognition of the present invention includes a finger vein recognizer that can be detachably attached to a customer client and an affiliate shop client to register or authenticate the finger vein information, Authentication is possible.

In addition, the present invention allows banks to be divided and registered, and by registering men and women separately, the effectiveness of the system management sub-system can be reduced to several tens times as much as the capacity reduction and the rapidity of speed.

Further, the electronic financial settlement system using the fingerprint and finger vein recognition of the present invention can provide convenience to the user because the highly secure finger vein information can be utilized as a payment means.

Furthermore, the convergence technology that can authenticate fingerprint and fingerprint at the same time is completed, so that there is more perfect security effect.

1 is a block diagram showing a network configuration of an electronic financial settlement system for providing a fingerprint and / or a fingerprint settlement service according to the present invention;
2 is a block diagram showing a configuration of a client client shown in FIG.
FIG. 3 is a block diagram showing the configuration of the fingerprint and / or fingerprint settlement service server shown in FIG. 1
4 is a flowchart showing a processing procedure of the electronic financial settlement system according to the present invention.
5 is a diagram showing an external electronic configuration example of the authentication apparatus 1200 of the present invention
Fig. 6 is a view showing a fingerprint face (a) and a side face (b) of the same finger taken by the finger vein image sensor and the finger fingerprint image sensor
7 is a block diagram of an internal electronic configuration example of a fingerprint and / or finger vein authentication device 1200 according to a preferred embodiment of the present invention
8 is a flowchart showing a processing procedure of another electronic financial settlement system according to the present invention.
9 is a diagram illustrating an example of an internal electronic configuration of fingerprint and / or venous imaging authentication device 1200 according to another preferred embodiment of the present invention
FIG. 10 is a diagram showing an organizational system
Fig. 11 is an organizational chart of men and women according to the present invention

The embodiments of the present invention can be modified into various forms and the scope of the present invention should not be interpreted as being limited by the embodiments described below. The present embodiments are provided to enable those skilled in the art to more fully understand the present invention. Therefore, the shapes and the like of the components in the drawings are exaggerated in order to emphasize a clearer explanation.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 1 to 4 attached hereto.

1 is a block diagram illustrating a network configuration of an electronic financial settlement system for providing fingerprint and / or fingerprint settlement services according to the present invention.

Referring to FIG. 1, the electronic financial settlement system 2 using the fingerprint and / or finger vein recognition of the present invention recognizes fingerprints and / or fingerprints so that electronic payment can be performed by replacing credit card payment of customers, Or when electronic payment such as a credit card, a debit card, a check card, or a bank transfer, which the customer has already provided, fingerprint and / or finger vein authentication is performed to settle the customer's identity.

To this end, the electronic financial settlement system 2 of the present invention includes a communication network 10, a fingerprint and / or fingerprint settlement service server 100, a plurality of customer clients 200, a credit card company server 300, Includes a plurality of merchant clients (400).

The fingerprint and / or fingerprint settlement service server 100 registers a fingerprint and / or fingerprint information of the customer from the customer client 200 and prints a fingerprint or a fingerprint for authenticating the fingerprint and / And a Fingerprint payment application 110. The Fingerprint application 110 processes the mutual electronic settlement through the communication network 10 between the customer client 200, the merchant client 400 and the credit card company server 300. [

The customer client 200 is provided as a portable mobile terminal such as a smart phone or a tablet computer and is provided with a fingerprint and / or finger vein recognizer 210). In this embodiment, the fingerprint and / or finger vein recognizer 210 is provided in a module form inside the customer client 200, but as shown in FIG. 2, the customer client 200 and the detachable independent device . The customer client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10 to download the fingerprint and / or fingerprint payment application 110 and install the fingerprint and / or fingerprint payment application 110 therein.

The customer client 200 also activates the fingerprint and / or fingerprint payment application 202 (FIG. 2) to scan the fingerprint and / or fingerprint information thereof via the fingerprint and / or fingerprint recognizer 210, The fingerprint and / or fingerprint information scanned may be provided to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to provide a virtual payment means such as a virtual payment credit card, Virtual payment account, and so on. Of course, the fingerprint and / or fingerprint information of the customer client 200 registered in the fingerprint or / and the PDA server 100 may be used for authentication of the credit card, debit card, check card, And can be registered for verification.

The credit card company server 300 issues the virtual payment means corresponding to the fingerprint or / and the fingerprint information of the customer client 200, and determines whether or not the payment has been approved by using the fingerprint and / or the fingerprint information, The fingerprint settlement service server 100 provides the determination result. Of course, the credit card company server 300 may be provided with a fingerprint of the customer client 200 for authentication and identification of other payment means corresponding to the customer client 200, such as credit card, debit card, check card and transaction account information, and / Finger vein information can be used.

The merchant client 400 is equipped with a POS terminal, a personal computer (PC), or the like, which is provided in an affiliate store that sells a product or service through an on-off line. The merchant client 400 includes a fingerprint and / or finger vein recognizer 410 for recognizing fingerprint and / or fingerprint information of the customer. When the merchant client 400 purchases a product or a service from a customer of the customer client 200, the merchant client 400 transmits the fingerprint and / or fingerprint information of the customer through the fingerprint and / or the finger vein recognizer 410 And sends the scanned fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to request payment approval. The merchant client 400 confirms the settlement approval through the fingerprint and / or the fingerprint settlement service server 100 when the settlement for the settlement amount is approved from the credit card company server 300 (or another settlement system) .

2 is a block diagram showing the configuration of the client client shown in FIG. 1, and FIG. 3 is a block diagram showing the configuration of the fingerprint and / or FPC service server shown in FIG. 1. Referring to FIG.

Referring to FIG. 2, the customer client 200 of this embodiment is provided as a smartphone, and a fingerprint and / or a fingerprint payment app 202 is installed therein. The fingerprint and / or FPC application 202 are downloaded and installed from the fingerprint and / or FPC service server 100 through a communication network.

The smartphone 200 activates the fingerprint and / or fingerprint payment application 202 to register the fingerprint and / or fingerprint information of the customer himself / herself in the fingerprint and / or fingerprint payment service server 100. To this end, the smartphone 200 is attached with a fingerprint and / or finger vein recognizer 210. This may be accomplished by using fingerprints and / or fingerprints to eliminate the economic burden of purchasing the fingerprint and / or vein recognizer 210 and actively encouraging the use of the fingerprint and / When the fingerprint and / or the finger vein recognizer 210 is provided at a transaction site at a service company, a franchise shop or a credit card company of the fingerprint settlement service server 100 and registers and uses a fingerprint and / or a payment means using a fingerprint, And is provided in a detachable form mounted on the smart phone 200.

The fingerprint and / or finger vein recognizer 210 receives the finger vein information to authenticate the customer by recognizing the hemoglobin pattern of the vein by projecting near infrared rays or the like on the vein of a finger that is easy to use among the veins of the customer. That is, by using the fact that the vein of the finger absorbs near-infrared light and the portion other than the vein transmits near-infrared light, a near infrared ray is irradiated onto a finger and a finger having near infrared sensitivity, for example, The image of the vein can be extracted and used for personal authentication.

Specifically, the fingerprint and / or finger vein recognizer 210 may include a controller 212 for controlling all operations of the fingerprint and / or finger vein recognizer 210, a fingerprint scanner 210 for acquiring the fingerprint and / A memory 216 that stores fingerprints and / or fingerprint information obtained from the scanner 214, a fingerprint that is scanned from the scanner 214, and / or fingerprint information and / An LCD module 218 for displaying a processing procedure of the MAC recognizer 210 and an interface module 220 for providing the fingerprint and / or fingerprint information, which is connected to the smartphone 200 and acquired from the scanner 214, (220).

When acquiring the fingerprint and / or finger vein information from the scanner 214, the fingerprint and / or finger vein recognizer 210 may include a temperature sensor 222 for sensing the temperature of the finger and a blood flow recognition And a sensor 224. For example, the temperature sensor 222 and the blood flow recognition sensor 224 may use a fingerprint and / or a fingerprint image to complement and solve a problem that can scan the fingerprint and / The MAC recognizer 210 recognizes the temperature of the finger and the flow of the blood flow along with the fingerprint and / or finger vein information obtained from the scanner 214, and if the finger recognizes that there is no abnormality, the fingerprint obtained from the scanner 214 and / And processes the fingerprint information to be provided to the smartphone 200.

The configuration of the fingerprint and / or finger vein recognizer 210 is substantially similar to or the same as the fingerprint of the merchant client 400 and / or the vein recognizer 410. Therefore, the detailed description of the fingerprint and / or the finger vein recognizer 410 of the merchant client 400 will be omitted.

3, the fingerprint and / or fingerprint settlement service server 100 according to this embodiment includes a controller 102, a communication unit 104, and a fingerprint and / or fingerprint payment app 110 A storage unit (not shown), and a database 120. Also, the fingerprint and / or fingerprint settlement service server 100 includes components of a typical computer system, for example, a central processing unit, a memory device, an input / output device, and a storage device,

The communication unit 104 is connected to the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 via the communication network 10, .

The control unit 102 controls and processes all operations of the fingerprint and / or fingerprint settlement service server 100. The control unit 102 may include software such as an operating system program, a control program, etc., as well as hardware such as a central processing unit, a memory or a web server,

The control unit 102 processes the member registration from each of the customer client 200 and the merchant client 400 using the fingerprint and / or the FPC application 110, / And the fingerprint information, and when the fingerprint and / or fingerprint information of the customer is transmitted from the merchant client 400, the fingerprint and / or fingerprint information of the registered customer is compared and analyzed to authenticate the customer Make sure that the payment is made. The controller 102 controls processes of the fingerprint or / and the FPC APP 110, and a detailed description thereof will be described with reference to FIG.

The fingerprint and / or FPC application 110 are stored in a storage unit (not shown) of the fingerprint and / or FMC service server 100, processed under the control of the control unit 102, And various information generated in accordance with the process is stored in the database 120. FIG. The fingerprint and / or fingerprint payment application 110 is provided in the form of a mobile application in this embodiment and is installed in the customer client 200. Of course, the fingerprint and / or fingerprint payment app 110 may be provided in the form of a web browser.

In this embodiment, the fingerprint and / or fingerprint payment app 110 includes a fingerprint and / or fingerprint registration module 112 for processing fingerprint and / or fingerprint information of the customer from the customer client 200, When the fingerprint and / or fingerprint information of the customer is transmitted from the client 400, the fingerprint and / or the fingerprint and / or the fingerprint, which compares the fingerprint and / or the fingerprint information of the registered customer with the registered customer, And a payment module 114.

Accordingly, the fingerprint and / or FPC application 110 receives the fingerprint and / or fingerprint information from the customer client 200 and registers the fingerprint and / or fingerprint information in the database 120. The fingerprint and / When the MAC information is transmitted, it is compared with the fingerprint and / or fingerprint information of the customer registered in the database 120, and the customer is authenticated and the payment is made through the payment means matched with the fingerprint and / or the fingerprint information .

The database 120 stores various information according to the processing of the fingerprint and / or the FPC APP 110 under the control of the control unit 102. In this embodiment, the database 120 is provided inside the fingerprint and / or fingerprint settlement service server 100, but may be provided as a separate database server.

The database 120 of this embodiment includes customer information 122 for identifying men and women, fingerprint and / or finger vein information 124, credit card matching information 126, billing information 128 and merchant information 130 ).

It is preferable that the male and female customer information is divided into "1" for male and "2" for female at the time of registration.

When the customer information is registered in the customer client 200 or the merchant client 400 and the procedure is used to identify the customer information, the probability of misrecognition of the present invention can be doubled.

The customer information 122 includes information such as name, male and female, authenticated mobile phone number (for example, the name of the user) of the customer inputted when the customer client 200 activates the fingerprint and / Etc., a password, an e-mail address, and the like.

The customer information 122 may further include information on previously issued payment means, for example, a credit card, a debit card, a check card, and a transaction account.

Fingerprint and / or fingerprint information 124 are registered corresponding to the customer information 122. [ The fingerprint and / or fingerprint information 124 is obtained from the fingerprint of the customer client 200 and / or the finger vein recognizer 210 and is transmitted from the customer client 200 via the communication network 10 to the fingerprint and / And is provided to the settlement service server 100. Therefore, the fingerprint or / and the fingerprint information 124 registered in the fingerprint and / or the fingerprint settlement service server 100 may correspond to one payment means (for example, virtual payment means) Credit card, transaction account, etc.).

The credit card matching information 126 includes matching information for one payment means (e.g., a virtual payment means) and / or a payment means issued to the fingerprint of the customer or / and the fingerprint information 124 do. The payment information 128 is transmitted from the fingerprint of the merchant client 400 and / or the fingerprint and / or fingerprint information transmitted from the fingerprint recognizer 410 to fingerprint and / or fingerprint information 124 registered from the customer client 200 And if they match, it includes the settlement request and the approved contents, for example, settlement date, settlement amount, and settlement history in the merchant client 400. The merchant information 130 includes member information about the merchant registered in the fingerprint service and / or the FTC service server 100, for example, a merchant name, a contact address, and the like.

Therefore, the fingerprint and / or fingerprint settlement service server 100 of the present invention receives the fingerprint and / or fingerprint information 124 from the customer client 200 via the communication network 10 and registers the fingerprint and / or fingerprint information 124 in the database 120, When fingerprint and / or fingerprint information of the customer and payment request are received from the merchant client 400, the fingerprint and / or fingerprint information is compared with the registered fingerprint and / or the fingerprint information, The credit card company server 300 requests payment approval from the credit card company server 300. If the payment is approved by the credit card company server 300, the customer client 200 and the merchant client 400 inform the user that payment has been made.

And FIG. 4 is a flowchart illustrating a processing procedure of the electronic financial settlement system according to the present invention. This procedure is a program that is processed by the fingerprint and / or fingerprint settlement service server 100 according to the present invention, and the program is provided as a fingerprint and / or a fingerprint payment app, and the fingerprint and / (Not shown) of the client 100 and installed in the customer client 200. The fingerprint and / or the FPC application 110 are processed in association with the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 .

Referring to FIG. 4, in step S150, the electronic financial settlement system 2 of the present invention provides the fingerprint and / or fingerprint payment app 110 to the fingerprint and / or fingerprint settlement service server 100. In step S152, the customer 2 client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10, downloads the fingerprint and / or fingerprint payment application 110, and installs the fingerprint and / .

At the time of registration of male and female customer information in step S153, the man is divided into "1" and the woman is divided into "2"

In step S154, the customer client 200 activates the installed fingerprint and / or fingerprint payment application 202 and acquires the fingerprint and / or fingerprint information of the customer through the fingerprint and / or fingerprint recognizer 210 , And provides the obtained fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10.

In step S156, the fingerprint and / or FMC service server 100 stores and registers the sex information and the fingerprint and / or fingerprint information provided from the customer client 200 in the database 120. At this time, the fingerprint and / or fingerprint settlement service server 100 transmits the male and female information and fingerprint and / or fingerprint information to the credit card company server 300 through the communication network 10.

In step S157, the male and female customer information is classified into the registered male information "1" and the female information "2"

In step S158, the credit card company server 300 matches the fingerprint and / or fingerprint information transmitted from the fingerprint and / or the fingerprint settlement service server 100 to the payment means of the customer registered in the credit card company server 300, Or a credit card, a debit card, a check card, a transaction account, etc. issued from the credit card company server 300 in correspondence with each other. Therefore, through the above-described steps S150 to S158, the customer client 200 is registered to enable electronic payment processing for the fingerprint and / or fingerprint information.

In step S159, the male and female customer information is divided into the registered male information "1" and the female information "2"

When a commercial transaction occurs in the merchant in step S160, the fingerprint and / or fingerprint information of the customer is recognized from the fingerprint of the merchant client 400 and / or the fingerprint recognizer 410. In step S162, And payment information to the fingerprint and / or fingerprint settlement service server 100 to request payment approval according to the commercial transaction.

In step S164, the fingerprint and / or fingerprint settlement service server 100 compares the fingerprint and / or fingerprint information transmitted from the merchant client 400 with the fingerprint and / or fingerprint information registered in the database 120 and analyzes Thereby determining the authentication status of the customer. If the two fingerprints or / and the fingerprint information are matched, the fingerprint and / or the fingerprint settlement service server 100 confirms payment to the credit card company server 300 so that payment is made to the corresponding payment means of the customer in step S166 And if the two fingerprints or / and the fingerprint information do not match as a result of the determination, the franchisee client 400 informs the approval rejection and reason for rejection.

If the credit card company server 300 approves payment through the payment means corresponding to the fingerprint requested and / or the fingerprint information in step S168, the fingerprint and / or fingerprint payment service server 100 and the fingerprint and / To indicate that the payment has been approved. In step S170, the fingerprint and / or FSA service server 100 transmits a payment approval result to the customer client 200. In step S172, the franchise client 400 confirms that the payment has been approved. Then, in step S174, (200) confirms that the payment has been approved.

Therefore, the electronic financial settlement system 2 using the fingerprint and / or finger vein authentication of the present invention registers fingerprint and / or fingerprint information of the customer in the fingerprint and / or fingerprint settlement service server 100, Fingerprint and / or fingerprint information when a commercial transaction is generated from the client 400, and processes the fingerprint and / or fingerprint information so that payment is made through the payment means matched with the fingerprint and / or fingerprint information of the customer.

The database 120 may include customer information 122 for identifying men and women, fingerprint and / or finger vein information 124, credit card matching information 126, payment information 128 and merchant information 130 ), And the male and female customer information is registered as "1" for a man and "2" for a woman at the time of registration.

If the customer information is registered in the customer client 200 or the merchant client 400 and the procedure is used to identify the customer information, the probability of false recognition of the present invention can be reduced to 1/2.

Further, as the information for discriminating between men and women of the present invention, information inputted as "1" for a man and "2" for a woman may be downloaded as an option at the time of registration of a fingerprint and / have.

In the following, it will be understood the technique capable of mounting a fingerprint and / or vein pattern on a card by understanding the device capable of simultaneously recognizing fingerprints and / or fingerprints developed by the present inventor.

FIG. 5 is a diagram showing an example of an external electronic configuration of the authentication device 1200 of the present invention, and FIG. 6 is a diagram showing an example of an external electronic configuration of the authentication device 1200 of the present invention, b).

In FIG. 6, reference numeral 1a denotes a fingerprint between finger segments or / and a finger vein, 1b denotes a node of a finger, and 1c denotes a fingerprint portion.

An integrated image capturing apparatus 1200 capable of capturing a fingerprint, a fingerprint, and / or a finger vein, wherein the object accommodating unit 1201 includes a scan panel upper case 1201a forming upper and lower finger seats, And a scan panel 1250 for simultaneously photographing fingerprints and / or fingerprints made of a transparent material such as glass or acrylic on the upper part of the upper case 1201a of the scan panel, The scan panel 1250 is formed with a fingerprint finger contact portion 1250a and a fingerprint finger and / or finger finger non-contact portion 1250b at their front and rear ends.

The finger pad of the scan panel 1250 and / or the finger-finger non-contact portion 1250b are formed on the edge of the groove side wall 1251 so that the finger can be formed as a groove, The finger grip portion 1252 is formed to be in balance with the fingerprint finger contact portion 1250a.

Further, since the temperature sensor 1270 for sensing the temperature of the flow of the finger is formed in front of the fingerprint and / or finger vein finger non-contact portion 1250b against the fingerprint finger contact portion 1250a of the scan panel 1250, When the finger is landed, the temperature of the blood flow of the finger is sensed and the operation is enabled by the sensed temperature.

In addition, on one side, an infrared side surface case portion 1260 is formed in a length to accommodate the infrared side surface emitting portion 1260a so that the side surface can be photographed to more accurately capture the fingerprint and / or the vein.

The scan panel lower case 1201b is formed as a space capable of accommodating electrical components.

A finger resting rim 1253 on which a finger can be seated is formed.

Accordingly, in a first embodiment of the present invention, the user initiates a fingerprint and / or fingerprint authentication by placing a finger object on the scan panel 250, and when the fingerprint and / or fingerprint authentication by the device is initiated, The infrared light source unit 1240 and the line-of-sight light source unit 1242 irradiate infrared rays and visible rays toward the finger object.

Then, a plurality of image sensors photograph fingerprints, fingerprints and / or finger veins of the irradiated finger, respectively.

In the first embodiment of the present invention, the integrated image sensing apparatus 1200 has two image sensors 1220 and 1230 incorporated therein. The finger vein image sensor 1230 is installed in the object accommodating unit 1201 and captures the finger vein of the object from the bottom toward the scan panel 1250. [ At the same time, the fingerprint image sensor 1220 is installed in the same object accommodating portion 1201 to photograph the fingerprint of the object.

As a second embodiment of the present invention, the user places a finger object on the scan panel 1250 to start fingerprint authentication and / or fingerprint authentication, and when fingerprint authentication and / or fingerprint authentication by the device is initiated, (1240) 1241 and the line-of-sight light source 1242 irradiate infrared rays and visible rays toward the finger object.

Then, the image sensor captures fingerprints and finger veins of the irradiated finger, respectively.

In the second embodiment of the present invention, three image sensors 1220, 1230 and 1231 are incorporated in the integrated photographing authentication apparatus 1200. The finger vein image sensors 1230 and 1231 are built in the object accommodating unit 1201 and take a finger vein of the object from the lower side and the side surface toward the scan panel 1250. [ At the same time, the fingerprint image sensor 1220 is installed in the same object accommodating portion 1201 to photograph the fingerprint of the object.

In one preferred embodiment of the present invention, the finger vein image sensor 1231 and the finger fingerprint image sensor 1220 simultaneously capture finger vein fingerprint and finger fingerprint and use both finger vein information as biometric information, In order to measure, the error range can be reduced to the maximum number of squares per day.

In the preferred embodiment of the present invention, the finger vein image sensor 1231 and the finger fingerprint image sensor 1220 can take a finger vein fingerprint and a finger vein fingerprint at one time, The fingerprint and finger vein images can be simultaneously obtained by one finger at the same time by capturing from the side of 90 degrees, and the same error range reduction effect can be obtained. When shooting the side of your finger, roll your finger 90 degrees to the side of the scan panel with your fingers on the scan panel.

7 shows an example of an internal electronic configuration of fingerprint and / or venous imaging authentication device 1200 according to some preferred embodiments of the present invention.

The integrated imaging authentication apparatus 1200 of the present invention includes an infrared light source unit 1240, a finger vein image sensor 1230, a fingerprint image sensor 1220, a digital conversion unit 1290, a decryption algorithm unit 1260, A biometric information data storage 1270, and a display unit 1280.

Although not shown in the drawings, the power supply unit, the communication unit, and various I / O devices may be included.

The infrared light source unit 1240 irradiates infrared light toward the object accommodating unit. Preferably one or more LEDs emitting infrared light having a wavelength of 630 to 1,000 nm suitable for imaging the finger vein image. In addition, preferably, an optical filter is provided to remove the light noise.

The line-of-sight light source unit 1242 irradiates visible light toward the object accommodating unit. And may be constituted by one or more LEDs by emitting ultraviolet light of a suitable wavelength for photographing the fingerprint of the finger surface.

In addition, in one embodiment of the present invention, one infrared light source unit 1240 and one line-of-sight light source unit 1242 may be provided for irradiating the infrared light and the visible light toward the object accommodating unit.

The infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object accommodating unit 1101 so that infrared rays and visible rays can reach the object evenly.

In a preferred embodiment of the present invention, the finger vein image sensor 1220 (1230) acquires a finger vein image for one finger object on the bottom and sides.

In another preferred embodiment of the present invention, finger vein image sensor 1230 obtains a finger vein surface and a side vein image for one finger object.

As shown in Figs. 6 (a) and 6 (b), the angle at which the infrared rays are respectively taken from the inner surface and the side of one finger.

When the side image is photographed according to the number of the finger image sensors 1220 and 1230, the fingers are rotated 90 degrees to the side as they are, So that it touches the scan panel. The order of photographing of the fingerprint face and the side face of the finger of the finger may be reversed.

Digital converter 1290 receives both the fingerprint image and / or the finger vein image and the finger fingerprint image to extract finger vein and finger fingerprint image. Digital converter 1250, the present invention obtains a finger vein fingerprint image and a fingerprint fingerprint image file.

The control unit 1210 causes the digital conversion unit 1290 to transfer the converted image files to the matching algorithm unit 1260.

The biometric information data store 1270 stores biometric information of a user stored in advance. In some embodiments of the present invention, the biometric information data store 1270 can be built in the authentication device 1200 internal memory.

The biometric information data store 1270 can use a crypto-processor that can be protected from external hardware, software attack or theft.

The matching algorithm unit 1260 acquires the user data stored in the biometric information data storage 1270 and determines whether the user biometric information value acquired by the digital conversion unit 1290 matches the user biometric information value. If they match, the display unit 1280 can output a success message. If the decryption is unsuccessful, the authentication failure message may be output to the display unit 1280.

When the fingerprint and finger vein are simultaneously authenticated, the unauthorized identification processing unit 1265 divides the male information into "1" and the female information into "2".

The control unit 1210 controls operations and functions of the authentication device 1200.

In particular fingerprint and / or finger vein image acquisition, processing, authentication operations and authentication results. Various software may be used in connection with the processing and calculation of the acquired fingerprint and / or finger vein image.

For example, a Canny edge detector algorithm can be used. By applying a Gaussian filter, the noise of the original image can be removed as a whole. Edge the image through the Image Gradient. That is, a sketch line of the image is extracted. Apply non-maximum suppression to thin edges (sketch lines), apply double thresholds to classify dark edges as solid edges, and faint edges as noise and classify them as weak edges . Finally, the weak edges are deleted, only the definite edges are left, and finally the coronal images of the veins are output.

Also, as a processing method of an electronic payment system using fingerprints and / or finger vein recognition, information inputted by a man as "1" and a woman as "2" as information for discriminating men and women is downloaded from an electronic financial settlement system The fingerprint and / or the fingerprint may be made optional at the time of registration, and the method for identifying / discriminating fingerprints and / or fingerprints of the sexes is performed within the mobile itself, It is possible to fundamentally block the method of imitating or stealing others.

Therefore, the authentication apparatus of the present invention greatly reduces the false recognition rate by, for example, authenticating the fingerprint image of the finger and the fingerprint data at the same time.

In the present invention, a method of authenticating using one finger is described, but the same mechanism can be applied to fingerprint and / or fingerprint of three fingers for stability of images and the like.

Furthermore, in the case of providing an electronic payment system and method for discriminating between men and women in order to reduce the probability of misrecognition like the present invention, the probability of error is reduced to half, and data for storing the information If the bass is also stored separately, the simplicity of the capacity and the speed of the speed will also multiply.

In the case of a finger vein, the probability of error is more than 100 million, and when it is combined, it can not be compared with the number of the earth population, and consequently it can be concluded that there can not be two identical fingerprints in reality.

Next, another embodiment will be described.

FIG. 8 is a flowchart illustrating a processing procedure of another electronic settlement system according to the present invention, and FIG. 9 is a flowchart illustrating an electronic electronic payment system according to another preferred embodiment of the present invention. FIG. 10 is an organizational chart dividing a bank according to the present invention, and FIG. 11 is an organizational chart illustrating men and women according to the present invention.

The same reference numerals as those of the above-described embodiments are used to denote the same parts, and the differences will be described with different reference numerals.

The database 120 in FIG. 3 stores various information according to the process of the fingerprint and / or the FPC application 110 under the control of the control unit 102. In this embodiment, the database 120 is provided inside the fingerprint and / or fingerprint settlement service server 100, but may be provided as a separate database server.

The database 120 of this embodiment includes customer information 122 for distinguishing between men and women and households (for example, 10 generations, 20 generations ---), fingerprint and / or fingerprint information 124, And credit card matching information 126, settlement information 128, and merchant information 130 are stored.

It is preferable that the male and female customer information is divided into "1" for male and "2" for female at the time of registration.

The generation classification information is classified into 10 generations, 20 generations, etc., but it is possible to automatically manage the generational classification by registering the resident registration number.

If the customer information is registered in the customer client 200 or the merchant client 400 and the process is performed to identify the customer information, the probability of misrecognition of the present invention can be reduced to several tens of times.

The customer information 122 includes information such as a name, a man and a woman, a resident registration number, an authenticated name, and the like of the customer inputted when the customer client 200 activates the fingerprint and / A contact number such as a mobile phone number, a password, and an e-mail address.

The customer information 122 may further include information on previously issued payment means, for example, a credit card, a debit card, a check card, and a transaction account.

Fingerprint and / or fingerprint information 124 are registered corresponding to the customer information 122. [ The fingerprint and / or fingerprint information 124 is obtained from the fingerprint of the customer client 200 and / or the finger vein recognizer 210 and is transmitted from the customer client 200 via the communication network 10 to the fingerprint and / And is provided to the settlement service server 100. Therefore, the fingerprint or / and the fingerprint information 124 registered in the fingerprint and / or the fingerprint settlement service server 100 may correspond to one payment means (for example, virtual payment means) Credit card, transaction account, etc.).

The credit card matching information 126 includes matching information for one payment means (e.g., a virtual payment means) and / or a payment means issued to the fingerprint of the customer or / and the fingerprint information 124 do. The payment information 128 is transmitted from the fingerprint of the merchant client 400 and / or the fingerprint and / or fingerprint information transmitted from the fingerprint recognizer 410 to fingerprint and / or fingerprint information 124 registered from the customer client 200 And if they match, it includes the settlement request and the approved contents, for example, settlement date, settlement amount, and settlement history in the merchant client 400. The merchant information 130 includes member information about the merchant registered in the fingerprint service and / or the FTC service server 100, for example, a merchant name, a contact address, and the like.

Therefore, the fingerprint and / or fingerprint settlement service server 100 of the present invention receives the fingerprint and / or fingerprint information 124 from the customer client 200 via the communication network 10 and registers the fingerprint and / or fingerprint information 124 in the database 120, When fingerprint and / or fingerprint information of the customer and payment request are received from the merchant client 400, the fingerprint and / or fingerprint information is compared with the registered fingerprint and / or the fingerprint information, The credit card company server 300 requests payment approval from the credit card company server 300. If the payment is approved by the credit card company server 300, the customer client 200 and the merchant client 400 inform the user that payment has been made.

And FIG. 8 is a flowchart illustrating a processing procedure of the electronic financial settlement system according to the present invention. This procedure is a program that is processed by the fingerprint and / or fingerprint settlement service server 100 according to the present invention, and the program is provided as a fingerprint and / or a fingerprint payment app, and the fingerprint and / (Not shown) of the client 100 and installed in the customer client 200. The fingerprint and / or the FPC application 110 are processed in association with the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 .

Referring to FIG. 8, the electronic payment system 2 of the present invention provides the fingerprint and / or fingerprint payment app 110 to the fingerprint and / or fingerprint settlement service server 100 at step S150. In step S152, the customer 2 client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10, downloads the fingerprint and / or fingerprint payment application 110, and installs the fingerprint and / .

10, the banks are divided into the first financial sector bank 1301, the second financial sector bank 1302, the credit card 1303, the securities company 1304, the insurer 1305, Electronic commerce 1306, and registers the bank of the user at the time of registration.

At the time of registration of male and female customer information in step S153, the man is divided into "1" and the woman is divided into "2"

Then, in step S153a, the customer is classified into male and female according to their age, and then registered.

In step S154, the customer client 200 activates the installed fingerprint and / or fingerprint payment application 202 and acquires the fingerprint and / or fingerprint information of the customer through the fingerprint and / or fingerprint recognizer 210 , And provides the obtained fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10.

In step S156, the fingerprint or / and the FMC service server 100 stores and registers the bank information, men's and women's information, generation information, fingerprint and / or fingerprint information provided from the customer client 200 in the database 120. At this time, the fingerprint and / or fingerprint settlement service server 100 transmits the male and female information and fingerprint and / or fingerprint information to the credit card company server 300 through the communication network 10.

In step S157, the bank information and the male and female customer information are classified into the registered male information "1" and the female information "2" to discriminate the corresponding information.

In step S158, the credit card company server 300 matches the fingerprint and / or fingerprint information transmitted from the fingerprint and / or the fingerprint settlement service server 100 to the payment means of the customer registered in the credit card company server 300, Or a credit card, a debit card, a check card, a transaction account, etc. issued from the credit card company server 300 in correspondence with each other. Therefore, through the above-described steps S150 to S158, the customer client 200 is registered to enable electronic payment processing for the fingerprint and / or fingerprint information.

When commerce occurs at the merchant in step S159, the bank information and the male and female customer information are classified into the registered male information "1" and the female information "2" to discriminate the corresponding information.

The fingerprint and / or fingerprint information of the customer is recognized from the fingerprint of the merchant client 400 and / or the fingerprint recognizer 410 in step S160 and the fingerprint and / or fingerprint information and the payment information are fingerprinted and / And the fingerprint settlement service server 100 to request payment approval according to the commercial transaction.

In step S164, the fingerprint and / or fingerprint settlement service server 100 compares the fingerprint and / or fingerprint information transmitted from the merchant client 400 with the fingerprint and / or fingerprint information registered in the database 120 and analyzes Thereby determining the authentication status of the customer. If the two fingerprints or / and the fingerprint information are matched, the fingerprint and / or the fingerprint settlement service server 100 confirms payment to the credit card company server 300 so that payment is made to the corresponding payment means of the customer in step S166 And if the two fingerprints or / and the fingerprint information do not match as a result of the determination, the franchisee client 400 informs the approval rejection and reason for rejection.

If the credit card company server 300 approves payment through the payment means corresponding to the fingerprint requested and / or the fingerprint information in step S168, the fingerprint and / or fingerprint payment service server 100 and the fingerprint and / To indicate that the payment has been approved. In step S170, the fingerprint and / or FSA service server 100 transmits a payment approval result to the customer client 200. In step S172, the franchise client 400 confirms that the payment has been approved. Then, in step S174, (200) confirms that the payment has been approved.

Accordingly, the electronic payment system 2 using the fingerprint and / or fingerprint authentication of the present invention registers the fingerprint and / or fingerprint information of the customer in the fingerprint and / or fingerprint payment service server 100, Fingerprint and / or fingerprint information at the time of occurrence of a commercial transaction from the payment server 400, and processes the settlement through settlement means matched with the fingerprint and / or the fingerprint information of the customer.

In addition, the database 120 includes customer information 122, fingerprint and / or fingerprint information 124, bank identification information and credit card matching information 126, billing information 128 And the merchant information 130. In particular, the male and female customer information are registered by being divided into "1" for the male and "2" for the female at the time of registration. The bank information and the customer information are stored in the customer client 200 If the merchant client 400 registers the merchandise and the process of determining the merchandise is performed, the false-likelihood probability of the present invention can be reduced to several tens of times.

FIG. 9 shows an example of an internal electronic configuration of a fingerprint and / or venous imaging authentication device 1200 according to a preferred embodiment of the present invention.

The integrated imaging authentication apparatus 1200 of the present invention includes an infrared light source unit 1240, a finger vein image sensor 1230, a fingerprint image sensor 1220, a digital conversion unit 1290, a decryption algorithm unit 1260, A male and female identification processing unit 1265a, a male and female identification processing unit 1265, a generation unit classification registration unit 1265b, a biometric information data storage 1270, and a display unit 1280.

Although not shown in the drawings, the power supply unit, the communication unit, and various I / O devices may be included.

The infrared light source unit 1240 irradiates infrared light toward the object accommodating unit. Preferably one or more LEDs emitting infrared light having a wavelength of 630 to 1,000 nm suitable for imaging the finger vein image. In addition, preferably, an optical filter is provided to remove the light noise.

The line-of-sight light source unit 1242 irradiates visible light toward the object accommodating unit. And may be constituted by one or more LEDs by emitting ultraviolet light of a suitable wavelength for photographing the fingerprint of the finger surface.

In addition, in one embodiment of the present invention, one infrared light source unit 1240 and one line-of-sight light source unit 1242 may be provided for irradiating the infrared light and the visible light toward the object accommodating unit.

The infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object accommodating unit 1101 so that infrared rays and visible rays can reach the object evenly.

In a preferred embodiment of the present invention, the finger vein image sensor 1220 (1230) acquires a finger vein image for one finger object on the bottom and sides.

In another preferred embodiment of the present invention, finger vein image sensor 1230 obtains a finger vein surface and a side vein image for one finger object.

As shown in Figs. 6 (a) and 6 (b), refers to the angle at which the infrared rays are respectively taken from the inner surface and the side of one finger.

When the side image is photographed according to the number of the finger image sensors 1220 and 1230, the fingers are rotated 90 degrees to the side as they are, So that it touches the scan panel. The order of photographing of the fingerprint face and the side face of the finger of the finger may be reversed.

Digital converter 1290 receives both the fingerprint image and / or the finger vein image and the finger fingerprint image to extract finger vein and finger fingerprint image. Digital converter 1250, the present invention obtains a finger vein fingerprint image and a fingerprint fingerprint image file.

The control unit 1210 causes the digital conversion unit 1290 to transfer the converted image files to the matching algorithm unit 1260.

The biometric information data store 1270 stores biometric information of a user stored in advance. In some embodiments of the present invention, the biometric information data store 1270 can be built in the authentication device 1200 internal memory.

The biometric information data store 1270 can use a crypto-processor that can be protected from external hardware, software attack or theft.

The matching algorithm unit 1260 acquires the user data stored in the biometric information data storage 1270 and determines whether the user biometric information value acquired by the digital conversion unit 1290 matches the user biometric information value. If they match, the display unit 1280 can output a success message. If the decryption is unsuccessful, the authentication failure message may be output to the display unit 1280.

As shown in FIG. 10, the bank classification registration unit 1265a includes a bank classification table 1300 as a first bank bank 1301, a second bank bank 1302, a credit card 1303, a securities company 1304, (1305), and an electronic commerce (1306), and registers and selects the bank of the person himself / herself at the time of registration.

When the fingerprint and finger vein are simultaneously authenticated, the unauthorized identification processing unit 1265 divides the male information into "1" and the female information into "2".

As shown in FIG. 11, the generation unit classification registration unit 1265b divides the man and woman generation division table 1400 into a man 1401 and a woman 1402, will be.

The control unit 1210 controls operations and functions of the authentication device 1200.

In particular fingerprint and / or finger vein image acquisition, processing, authentication operations and authentication results. Various software may be used in connection with the processing and calculation of the acquired fingerprint and / or finger vein image.

For example, a Canny edge detector algorithm can be used. By applying a Gaussian filter, the noise of the original image can be removed as a whole. Edge the image through the Image Gradient. That is, a sketch line of the image is extracted. Apply non-maximum suppression to thin edges (sketch lines), apply double thresholds to classify dark edges as solid edges, and faint edges as noise and classify them as weak edges . Finally, the weak edges are deleted, only the definite edges are left, and finally the coronal images of the veins are output.

Further, as a processing method of an electronic payment system using fingerprints or / and finger vein recognition, information inputted as a man and a woman by "1" for a man and "2" for a woman is downloaded as an electronic payment system, And / or the finger vein can be made optional at the time of registration. Since the method for identifying / discriminating fingerprints and / or finger veins of the sexes is performed within the mobile itself, the user can easily register So that it is possible to fundamentally block the method of imitating or stealing others.

Therefore, the authentication apparatus of the present invention greatly reduces the false recognition rate by, for example, authenticating the fingerprint image of the finger and the fingerprint data at the same time.

In the present invention, a method of authenticating using one finger is described, but the same mechanism can be applied to fingerprint and / or fingerprint of three fingers for stability of images and the like.

In this case, when a bank is divided and registered, a database is constructed for each bank, so that the storage capacity can be separated and miniaturized, and the speed can also be processed dozens of times faster.

In addition, in the case of providing an electronic payment system and method for distinguishing and registering a man and a woman in order to reduce the probability of misrecognition as in the present invention, the probability of error is reduced to ½, If the database storing the information is also stored separately, the miniaturization of the capacity, the simplicity of operation, and the speed of the speed will also be several times.

In the case of a finger vein, the probability of error is more than 100 million, and when it is combined, it can not be compared with the number of the earth population, and consequently it can be concluded that there can not be two identical fingerprints in reality.

Although the present invention has been described in connection with the preferred embodiments thereof with reference to the accompanying drawings, it is to be understood that the invention is not limited to the disclosed embodiments, Various changes and modifications can be made without departing from the scope of the present invention.

2: Electronic financial settlement system
10: Network
100: fingerprint and / or fingerprint payment service server
110: fingerprint and / or fingerprinting app
200: Customer Client
210: fingerprint and / or fingerprint recognizer
300: Credit card company server
400: Merchant client
410: fingerprint and / or fingerprint recognizer
1200: Integrated shot authentication device
1201:
1201a: scan panel upper case
1201b: scan panel lower case
1220, 1230, 1231: image sensor
1240, 1241: Infrared light source part
1242; Visible light source
1250: scan panel
1250a: fingerprint fingerprint
1250b: finger vein non-contact part
1260a: Infrared side transmitter
1260: Infrared side transmitter case

Claims (5)

A scanner that scans the customer's finger to acquire fingerprint and / or fingerprint information; a memory that stores fingerprint and / or fingerprint information obtained from the scanner; and a fingerprint and / or fingerprint information scanned from the scanner And an LCD for displaying an operation state of the fingerprint and / or the finger vein recognizer, and a display unit for displaying fingerprints or / and finger vein information obtained from the scanner to a client client or an affiliate shop client, Fingerprint and / or fingerprint recognition in accordance with the occurrence of commerce in the customer client and the merchant client each having the fingerprint and / or the finger vein recognizer including the interface module and the controller for controlling all operations of the fingerprint and / or the fingerprint recognizer In the processing method of electronic financial payment system Standing:
Providing a fingerprint and / or a fingerprint payment app to the fingerprint and / or fingerprint settlement service server of the electronic financial settlement system and allowing a customer client to access the fingerprint and / or fingerprint settlement service server through a communication network, And / or downloading a Fingerprint payment app and installing it in the FingerPrint application;
Acquiring first fingerprint and / or fingerprint information of the customer through the first fingerprint and / or the finger vein reader of the customer client, activating the fingerprint and / or fingerprint payment app installed in the customer client, Providing the first fingerprint and / or the fingerprint information to the fingerprint and / or the FTC service server via the communication network;
Activating the fingerprint and / or fingerprint payment app installed in the customer client and registering the bank separately;
1 "and the female information" 2 "obtained from the client by dividing the client into" 1 "and" 2 ", and transmits the obtained male information" 1 "and female information" 2 " To a service server;
The fingerprint and / or the PDC service server dividing the male and female into household units and storing the household unit identification information in the database;
The second fingerprint and / or the fingerprint information and the bank information of the customer from the second fingerprint and / or the finger vein reader of the merchant client connected to the communication network by the occurrence of commerce at the merchant, the man is "1" and the woman is "2" The input information and the household unit identification information are input, and the second fingerprint or / and the finger vein information and the bank information, the information inputted by the man as "1", the woman as "2" Transferring the payment information to the fingerprint and / or the fingerprint settlement service server to request payment approval;
The first and second fingerprints and / or finger vein recognizers are integrated image capturing devices 1200 capable of capturing fingerprints, fingerprints, and / or finger veins, and the object accommodating unit 1201 includes a scan And a scan case lower case 1201b for receiving the panel upper case 1201a and an electric field portion of the scan case 1201a. The upper part of the scan panel upper case 1201a is provided with a fingerprint and / The scan panel 1250 is provided with a fingerprint finger contact portion 1250a and a fingerprint finger and / or finger finger non-contact portion 1250b which are arranged at front and rear ends, and the fingerprint and / And the fingerprint settlement service server transmits the first fingerprint and / or the fingerprint information transmitted from the client client or the merchant client to the first fingerprint and / or the fingerprint information registered in the database Information, the man steps to "1", the woman is compared and analyzed to determine the customer authenticates the information and sorting information input generation unit to "2", and;
As a result of the determination, if the information inputted as the first fingerprint, the second fingerprint, and / or the fingerprint information and the bank information, the information of the male as "1" And a step of notifying the settlement service server that payment has been approved by the customer client or the merchant client. A method of processing an electronic financial settlement system using a fingerprint and / or a fingerprint identification
The system according to claim 1, wherein the fingerprint and / or fingerprint settlement service server comprises first fingerprint and / or fingerprint information and bank information provided from the client client, information input by a man of "1" And the generation unit identification information are stored and registered in the database, and the first fingerprint and / or finger vein information and the bank information are input through the communication network, the information input by the man is "1 & To a credit card company server;
The first fingerprint and / or the fingerprint information and the bank information transmitted from the fingerprint and / or the fingerprint settlement service server, the information inputted by the male is "1", the female is input by "2" Matching the information with the payment means of the registered customer and registering the information;
The first fingerprint and / or the fingerprint information and the bank information that the fingerprint and / or the fingerprint settlement service server inputs and transmits from the client client or the merchant client, the man is inputted as "1" and the woman is inputted as "2" The first fingerprint and / or the fingerprint information and the bank information registered in the database, the information input by the man as "1", the information input by the man as "2", and the information of the generation unit are compared and analyzed Determining a customer authentication;
As a result of the determination, if the information inputted as the first fingerprint and / or the fingerprint information and / or the fingerprint information and the bank information, the information of the male as "1" Requesting settlement approval to the credit card company server so that the settlement service server makes settlement with the settlement means of the customer matched with the first fingerprint and / or the fingerprint information, ;
The first fingerprint and / or the fingerprint information and the bank information requested to be paid by the credit card company server, information input as "1" for the man, "2" for the woman, and payment means of the customer corresponding to the household unit identification information Further comprising the step of informing the customer client or the merchant client that the settlement has been approved by the fingerprint and / or the FTC service server when the settlement is approved. Processing method of electronic financial settlement system using Mac recognition
The system according to claim 1 or 2, wherein the information input by the male and the female is " 1 "and " 2 & A method of processing an electronic financial settlement system using a fingerprint and / or a fingerprint identification that distinguishes between men and women of each bank, characterized in that the finger vein is made as an option at the time of registration
The method according to claim 1 or 2, characterized in that the identification information for distinguishing men and women, and / or the fingerprint and / or the fingerprint recognition method can be registered or authenticated by the consumer in the state where the consumer owns the mobile within the mobile itself Handling of electronic financial settlement system using fingerprint and / or fingerprint recognition that distinguish between men and women by bank
3. The method according to claim 1 or 2,
The first fingerprint and / or the fingerprint information obtained through each of the first fingerprint of the customer client and / or the fingerprint recognizer and the second fingerprint and / or the fingerprint recognizer of the merchant client, To the fingerprint and / or the FTC service server via the network;
And further provides the fingerprint and / or fingerprint settlement service server with the acquired first and second fingerprints and / or fingerprint information when there is no abnormality by further detecting the temperature or blood flow of the finger of the customer. Method of processing electronic financial settlement system using fingerprint and / or fingerprint recognition that distinguish between sexes

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