KR101886736B1 - Method for relaying financial transaction with multiple safety function - Google Patents

Abstract

The present invention relates to a financial transaction relay process system enabling a coin card saving virtual money to be paid by a fingerprint which authenticates a card saving virtual money by a fingerprint and pays the card to an integrated terminal. A fingerprint coin saving card (6500) of the present invention pays a coin saving machine (6200) which is interlocked by a fingerprint authentication machine (6100) of the fingerprint coin saving card (6500) and a coin in which an NFC signal (6300) or an IC chip signal (6400) interlocked with the coin saving machine (6200) is sent and saved by touching a card information authentication processing part (1900, 6300a) formed in a central part of the integrated terminal. Also, the fingerprint coin saving card (6500) forms an IC chip card paying part (6400a) on a central body of a front surface of the integrated terminal so that a customer can directly hold the fingerprint card and pays with the IC chip signal.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial transaction relay processing system in which a coin card in which a virtual currency is accumulated can be paid by a fingerprint.

The present invention relates to a financial transaction relay processing system in which a coin card to which a virtual money is accumulated can be paid by fingerprint, more specifically, it is adopted for financial security by coin authentication linked with fingerprint recognition, And a coin card in which a virtual currency can be exchanged can be settled by a fingerprint.

The present invention is related to a new embodiment of the domestic patent registration No. 10-1543222 (name: a financial transaction relay system linked to a telephone number and its processing method), a coin card in which a virtual currency is deposited, A transaction relay processing method and a processing system thereof.

In addition, the payment system using the virtual currency transaction is a system in which a payment is made through a virtual currency transaction linked to various payment means such as a debit card, a credit card, and a mobile in an on / offline shop where a virtual currency can not be used in Patent Registration No. 10-1813256 And to provide a payment system that enables payment.

Recently, with the use of mobile phones, smart phones, and the rapid spread of wireless Internet, the proportion of banking and e-commerce processing using mobile devices is increasing.

Currently, mobile devices use chips issued by banks to perform financial transactions such as banking and e-commerce transactions in place of credit cards. To this end, the mobile device has a built-in chip, which is used for payment at a convenience store and a store where a dedicated terminal is installed. However, there is a limitation in the cost that can be settled, and payment can not be performed in a place without a dedicated terminal. In addition, there is a problem in that a chip built in a mobile device is difficult to immediately process payment at the time of account transfer or general commercial transaction.

Generally, an individual protects an individual's financial transactions in an electronic financial transaction with a bank by means of an official certificate and a password in order to prevent the personal injury that might occur due to leakage and the theft of personal information or a password. However, Since banks rely solely on security technology, banks are not able to prevent or protect the personal injury caused by personal mistakes.

Thus, the present inventor has made the invention as shown in Fig.

Referring to FIG. 1, the financial transaction relay system 2b of the present invention relays bank transactions and electronic commerce transactions through an unauthorized access method using multiple security lock functions including fingerprint recognition.

To this end, the financial transaction relay system 2b of the present invention registers a member as a member through fingerprint recognition, account password authentication, and telephone number authentication to the personal financial transaction relay server 100b, and transmits the user terminal 200b and the online bank system 300b ) And the electronic commerce system (400b), a fingerprint authentication is performed so that an unauthenticated connection is established.

The financial transaction relay system 2b of the present invention includes a communication network, a customer terminal 200b, an online bank system 300b, an electronic commerce system 400b and a personal finance transaction relay server 100b.

The communication network includes a customer terminal 200b, an online bank system 300b, a personal finance transaction relay server 100b, a customer terminal 200b, an electronic commerce system 400b, And a single or a composite communication network connected to the personal financial transaction relay server 100b so as to perform data communication.

The customer terminal 200b is provided, for example, as a portable computer such as a smart phone, a tablet computer, a notebook computer, or a personal computer, and accesses the personal financial transaction relay server 100b through a communication network. The customer terminal 200b accesses the personal financial transaction relay server 100b using a web browser or a mobile application and accesses the online bank system 300b and the electronic commerce system 400b via the personal financial transaction relay server 100b Of financial transactions.

The customer terminal 200b includes a fingerprint recognizer for obtaining fingerprint information. The customer terminal 200b provides the fingerprint information obtained from the fingerprint recognizer to the personal financial transaction relay server 100b through the communication network. The customer terminal 200b accesses the personal financial transaction relay server 100b via the communication network and registers the member as a member. At this time, the customer terminal 200b registers the fingerprint information and the telephone number in the personal financial transaction relay server 100b, and registers the account password registered in the online banking system 300b in the personal financial transaction relay server 100b .

When the member terminal 200b is registered, the customer terminal 200b is authenticated in multiple using the fingerprint information, the telephone number, and the account password to the personal financial transaction relay server 100b. The customer terminal 200b provides fingerprint information to the personal banking transaction relay server 100b for financial transaction with the online banking system 300b and the electronic commerce system 400b.

The online banking system 300b is provided in the affiliated bank and processes financial transactions such as banking, for example, banking, banking, transfer, etc., which are processed online. In the online banking system 300b, the customer terminal 200b is connected to the customer terminal 200b through the personal financial transaction relay server 100b without a certificate at the time of financial transaction.

The e-commerce system 400b may include, for example, an online shopping mall system such as a department store or a discount store, a passenger transportation reservation system for aviation or railroad, a lodging reservation system for a condo or a hotel, And a leisure reservation system, and the customer terminal 200b is connected without authentication when using electronic commerce through the personal financial transaction relay server 100b.

When the customer terminal 200b registers as a member, the personal financial transaction relay server 100b registers the member as a member through the multiple security lock module. When the financial transaction with the online bank system 300b and the electronic commerce system 400b is performed, The fingerprint information is received from the customer terminal 200b to perform the authentication processing and the financial transaction is performed in the online banking system 300b and the electronic commerce system 400b in the case of financial transaction and electronic commerce and fingerprint authentication through unauthorized access. The personal financial transaction relay server 100b establishes a personal portal site for personal financial transactions.

However, although the customer terminal 200b in the personal financial transaction relay server may be a portable computer such as a smart phone, a tablet computer, a notebook computer, or a personal computer, There has been a problem that it becomes a relay server which can be a target of hacking.

In addition, when a shared personal finance transaction relay server used by a plurality of people is constructed, if the data is stolen, not only a problem of personal information but also a burden to be borne by a business is serious. In particular, In order to secure the financial security of a personal financial transaction relay server having the same concept even when payment is made by a payment terminal to a payment terminal by a customer himself / herself Or the like), the biometric information stored at the time of payment of the biometric information in the offline-payment terminal is compared with the inputted biometric information, to be.

Furthermore, in the case of payment on a smartphone with a built-in credit card, it is also possible to specify a transaction account by linking a phone number held by a smart phone rather than simply using the information of the card itself, It is necessary to introduce secure payment method.

In addition, in the bank for financial security, it is extremely necessary to introduce a biometric authentication system to prepare a bankbook opening procedure that can be perfectly performed in security. In the prior art, a personal relay transaction server in the background is operated independently It is necessary to establish a legal basis to register biometric information from the time of opening the account.

As a proposal method for dealing with the appearance of virtual money, Patent No. 10-1694455 has developed a method and apparatus for exchanging or remitting digital virtual money based on a block chain.

In the present invention, the bit coin and the nominal currency can be exchanged through the bit coin exchange. However, it is often the case that trading policies are different from each other on exchanges, so that trading partners sometimes experience unwanted inconveniences or make unreasonable transactions. As a result, in order to make a reasonable transaction, the transaction policy of each exchange Or that the transaction should be confirmed until the time immediately before the actual transaction stage.

In addition, the emergence of a new type of virtual currency called bit coin has raised the possibility of a new transaction type that has not existed yet, but there is still a limit to the limit due to the lack of means to support it legally and institutionally do.

Therefore, the problem to be solved by the present invention is that, although virtual money has recently appeared and transactions are made between individuals, it is difficult to recognize the value of goods as current money, , It is necessary to recognize the value of the goods in view of the trading volume of about 15 ~ 20% around the world.

In particular, the government has amended the act so as not to open a trade account to the bank in order to clarify the transaction of virtual currency. In this invention, it is inconvenient for the bank to open a transaction account only, The transaction was limited in terms of time and space, so it was not one of the two reasons that consumers were uncomfortable.

Further, the conventional invention has a problem that even if a virtual currency is held, it is not generally available such as a system for purchasing a product offline and paying for it, is not provided.

Korean Patent Publication No. 10-2014-0124035 (published on Aug. 11, 2014) Korean Patent Laid-Open Publication No. 10-2012-0125816 (public date November 19, 2012) Korean Patent Laid-Open No. 10-2011-0114282 (published on October 19, 2011) Korean Patent Publication No. 10-2006-0087486 (published on August 02, 2006) Korean Patent Publication No. 10-1694455 (registered on January 03, 2017) Korean Patent Publication No. 10-1813256 (registered on December 21, 2017)

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to authenticate a card on which a virtual money is accumulated by fingerprint, and to make payment to an integrated terminal.

In recent years, since virtual money has appeared and transactions are being made between individuals, it is necessary to recognize the value of the commodity like the current currency, and to provide a method of recognizing the value of the commodity of virtual money in order to achieve its effect.

In particular, the government has amended the statute so as not to open a trade account in a bank in order to clarify the transaction of virtual currency. In the present invention, a method of opening a transaction account easily, The purpose of this paper is to propose a method to settle enemy values.

In addition, it is an object of the present invention to provide a financial transaction system and a processing method thereof for establishing a relay server in a computer mouse by recognizing that it should be a personal apparatus that can avoid hacking.

In addition, the biometric information is stored in the computer main body at the time of settlement of the biometric information by the off-line payment terminal, and when the stored biometric information and the authentication signal (biometric information) inputted from the offline- A transaction system and a method of processing the same.

Furthermore, in payment for a smartphone having a credit card, a transaction logbook is linked to a stored phone number to provide a simple and secure payment method according to fingerprint and / or fingerprint information.

The present invention also provides a method of providing a banking establishment procedure that can be perfectly performed in security by introducing a biometric authentication system in the bank for financial security, and in the prior art, a personal relay transaction server in the background is independently operated To provide a legal basis for registering biometric information from the time a bankbook is opened so as to create a condition that can be made.

Another object of the present invention is to provide a financial transaction system and a processing method thereof that are linked with a telephone number using fingerprint recognition to provide convenience of a customer.

It is still another object of the present invention to provide a financial transaction system and a processing method thereof that are linked with a telephone number using fingerprint identification, telephone number authentication, and account number authentication.

When the fingerprint and / or the fingerprint are authenticated at the time of electronic commerce or financial settlement using a mouse, fingerprints and / or fingerprints can be authenticated at a time difference, thereby resolving the vulnerability of the financial security by biometric authentication There is a purpose.

In addition, by setting a time lag in the authentication of the fingerprint and the fingerprint, the computer input data is prevented from being hacked by a computer which can safely protect it from the outside without separately encrypting the data.

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

The present invention can be applied to a fingerprint coin accumulation card 6500 of a user who holds a virtual currency; And the fingerprint coin accumulation card 6500. When a payment request is made by the fingerprint coin accumulation card 6500, the payment request amount is confirmed from the payment server and the payment request amount is transmitted to the fingerprint coin accumulation card 6500 And a virtual currency transaction server for paying out the virtual currency corresponding to the settlement request amount from the virtual currency held by the user, wherein the virtual currency transaction server further comprises a settlement unit A payment request information confirmation unit for receiving and confirming the identification information of the fingerprint coin accumulation card 6500, the payment account, and the payment request amount from the payment server when a request is made; A virtual currency conversion unit for converting the settlement request amount into virtual currency according to the market price; A virtual money subtracting unit for subtracting the virtual currency held by the user by the virtual currency converted through the virtual currency converter; A settlement request amount payment unit for pre-paying the settlement request amount to the settlement account with the deposit of the deposit account before selling the virtual currency subtracted through the virtual currency deduction unit; A payment request amount settlement unit 6500 for selling the virtual currency subtracted through the virtual currency subtraction unit to a third party and depositing the amount of the virtual currency sold to the deposit account, A coin accumulator 6200 interlocked by the fingerprint authenticator 6100 of the fingerprint coin accumulation card 6500 and an NFC signal 6300 or an IC chip signal 6400 interlocked with the coin accumulator 6200 are transmitted The coin accumulated in the integrated terminal can be settled to the card information authentication processing units 1190 and 6300a formed at the central portion of the integrated terminal or the IC chip card And the settlement unit 6400a is formed in the front central body of the integrated terminal. The coin card in which the virtual currency is accumulated can be paid by the fingerprint.

In the present invention, when a settlement through the settlement request amount settlement unit 3105 is completed, a point is paid to the user at a predetermined ratio of the settlement request amount, and when the corresponding point is accumulated at a fixed value or more, And a point management unit 3108 that can provide the virtual money is further provided. The coin card can be paid by fingerprint.

In the present invention, the point management unit 3108 manages exchange or transaction of Coin to a holder of Coin stored in the virtual currency trading system 3000 at the point where the holder of Coin is compensated in the online bank and electronic commerce system 4000 A start step (S3000) of turning on a smart phone or a computer upon request; Executing a coin-point relay transaction app to execute the coin-point relay transaction app in the smartphone or the computer (S3001); A coin sales quantity and price input step (S3002) for allowing the coin holder to input the sales quantity and price of the coin requesting the transaction to the point holder by the smartphone or the computer; A point holder coin deposit (conditional) deposit step (S3003) in which a point holder who wishes to coin transaction enters a payment conditionally into a bank account of a coin holder; A step S3004 of determining whether or not the amount of money deposited in the step S3003 of depositing coin money in the smartphone or the computer matches with the amount offered by the coin holder (S3004); A re-deposit notification step (S3005) of notifying the buyer to deposit the sales proceeds again if the two do not match; A Coin transmission and authentication signal input step (S3006) for transmitting Coin to the water terminal and inputting a settlement of payment as an authentication signal when the settlement of sales proceeds in step S3004; (S3007) for determining whether the input authentication signal is matched when the Coin holder performs the Coin transmission and authentication signal input step (S3006); If the two are not matched, the sales proceeds repayment step (S3008) to return the sales proceeds again; If it is determined in step S3007 that the coincidence of the authentication signals is coincident, Coin transmission completion and payout payment completion step (S3009), in which coin transmission is completed and the sales proceeds are finally approved; (S3010) in which a coin transfer completion and a payout completion step (S3009) are performed and then a transaction ending step (S3010) is performed. Relay processing system.

In the present invention, the point management unit 3108 may allow a holder of a point compensated in the online bank and electronic commerce system 4000 to exchange or deal with Coin to the Coin holder stored in the virtual currency trading system 3000 A start step (S4000) of starting a smart phone or a computer by turning on the request; Executing a coin-point relay transaction app to execute an application for coin-point relay transaction in the smartphone or the computer (S4001); A coin sales quantity and price input step (S4002) for allowing the point holder to input the sales quantity and price of the coin requesting the transaction to the coin holder in the smartphone or the computer; A Coin holder coin (conditional) transmission step (S4003) for conditionally inputting a coin to the bank account of the point holder as the Coin holder desiring the coin transaction; A step (S4004) of judging whether or not the coin quantity transmitted in the coin holder coin (conditional) transmission step (S4003) in the smartphone or the computer matches the quantity indicated by the point holder; A retransmission notification step (S4005) of notifying the presenter to send the coin again if the two do not match; A Coin transmission and authentication signal input step (S4006) for transmitting coin to the water terminal and inputting a settlement payment as an authentication signal when the coin quantity is determined in step S4004; A step (S4007) of determining whether the input authentication signal matches when the Coin holder performs the Coin transmission and authentication signal input step (S4006); A coin return action step (S4008) in which the coin is returned if the coin is not matched; A coin transmission completion and payout completion step (S4009) of finishing the coin transmission and finally paying the sales price when the authentication signal coincidence is determined in step S4007; (S4010) in which a coin transfer is completed and a payout completion step (S4009) is performed and then a transaction ending step (S4010) is ended. Relay processing system.

In the present invention, it is preferable that the authentication signal is a biometric information signal, the authentication signal input step is a biometric information signal input step, and the authentication signal matching determination step is a biometric information signal matching step determination step. A financial transaction relay processing system in which a coin card in which money is accumulated can be paid by a fingerprint.

In the present invention, the step of processing the fingerprint authentication in the coin transmission and the biometric information signal input step may include the steps of: transmitting the personal information as a DTMF signal to the receiver side exchange of the personal finance relay transaction server; Returning a predetermined authentication number from the receiver side exchange of the personal finance relay transaction server; When the fingerprint is touched, the ridge of the fingerprint is separated from the fingerprints, and the fingerprint information by the binary data output as the digital electric signal is converted, and the conversion device converts the arrangement of the DTMF signals according to the conversion logic based on the predetermined authentication number To a receiving device; Reconstructing the converted DTMF signal into an array of DTMF signals originated by a user according to conversion logic based on an authentication number used for DTMF signal conversion; If the transmitted fingerprint information coincides with the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction And a coin card to which a virtual money is accumulated can be paid by a fingerprint.

Further, in the present invention, the fingerprint and / or finger vein information in the coin transmission and the biometric information signal inputting step are performed by the fingerprint and / or finger vein authentication processing unit 1180, and the fingerprint and / The integrated module U1 capable of simultaneously authenticating the fingerprint and the fingerprint of the authentication processing unit 1180 includes a fingerprint scanning module U2 and a finger vein module U3 and a conversion module U4. The scan module U2 scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image to output a registered authentication code of the person in the same fingerprint image to the 232 serial communication. After passing the finger through the infrared LED, the camera image sensor scans the finger vein and compares it with the pre-stored finger vein image. If there is a person with the same image, the registered authentication code of the person is changed to 485 The conversion module U4 receives the 485 serial communication output from the finger vein module and converts the 485 serial communication into 232 serial communication such as the fingerprint scanning module U2, The fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 and the fingerprint and the fingerprint authentication code are transmitted via USB to the authentication code Or the fingerprint authentication code output from the fingerprint scanning module U2 and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 and the fingerprint and the fingerprint authentication code The coin card having the virtual currency deposited thereon can be paid out by the fingerprint, and the financial transaction relay processing system The.

Therefore, the present invention can authenticate the card with the virtual money by the fingerprint and settle the card with the integrated terminal, so that the virtual money can be used as general goods.

 The present invention provides a method of exchanging virtual money with a point (a result given as a transaction price) recognized in the current law while a virtual currency appears in recent years and transactions are being made between individuals, It is possible to recognize the value of goods and recognize the value of goods of various virtual currencies according to its operation, which has a considerable effect on activating the economy.

In addition, it is an object of the present invention to recognize that it is a personal device that can avoid hacking, and by constructing a relay server in a computer mouse, the fingerprint and finger vein storage can be perfectly protected from hacking.

In addition, when a personal financial transaction relay server is constructed by selecting the user's designated computer, if the data of the user is stolen, the problem to be borne by the business operator is limited only to a single individual. In particular, (Personal or other persons) designated only by the customer himself or herself for the purpose of financial security, since the personal financial transaction relay server having the same concept as the above-mentioned concept is stored and operated individually at the time of settlement by the biometric information payment means. And the biometric information stored in the offline-payment terminal when the biometric information is stored in the offline-payment terminal is compared with the inputted biometric information, and when the same is matched, the payment is approved by the bank so that it can be the best measure for security It is effective.

Also, in the bank for financial security, a biometric authentication system is introduced at the time of opening a bankbook, so that it can be perfectly performed in security. In the prior art, there is a situation in which a personal relay transaction server in the background can be independently operated This is because it has the legal basis to register biometric information from the time of opening the account so that it can be made.

Also, in payment on a smartphone with a built-in credit card, a transaction passbook can be specified by linking a phone number held by a smart phone, rather than simply using the information of the card itself, Security is a sure effect.

In addition, the financial transaction relay system of the present invention registers fingerprint information, a telephone number, and an account password of a customer terminal as a member, and when the customer terminal performs any one of online bank transaction and electronic commerce transaction, And can conduct financial transactions with the online banking system and the electronic commerce system by the unauthorized access.

In addition, the financial transaction relay system of the present invention can provide the security lock function according to the financial transaction by registering the fingerprint information, the telephone number and the account password of the customer terminal in one member registration, It can provide the economic convenience of new changes in financial transactions.

In addition, the financial transaction relay system of the present invention is suitable for the ubiquitous era where financial transaction can be used anytime and anywhere by merging with the IT technology because the online bank system and the electronic commerce system can be financed through unauthorized access.

When a fingerprint or a fingerprint is authenticated at the time of electronic commerce or financial settlement, a mouse is normally held in a state in which a mouse is normally used, the fingerprint of the thumb is recognized in the first fingerprint recognizer, The fingerprint and / or finger vein of each fingerprint and / or finger vein can be authenticated by electronic fingerprinting or finger vein authentication, so that the fingerprint and / or the finger vein can be authenticated at the time of online electronic commerce or financial settlement, It will solve the weakness of financial security.

In addition, the authentication method with the two-step time lag is provided for biometric authentication in the case of working on a document on a computer, The present invention provides a computer hacking device capable of protecting a computer from hacking, which can safely protect the computer input data without separately encrypting the input data.

In addition, the electronic payment 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, This is possible.

Further, the electronic payment system using the fingerprint and finger vein recognition of the present invention can provide convenience to the user because the high-security fingerprint information can be utilized as the 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 illustrating a network configuration of a financial transaction relay system according to the present invention;
2 is a block diagram illustrating a functional configuration of a fingerprint recognition mouse according to the present invention.
3 is a schematic perspective view of a fingerprint 1, a fingerprint 2 and a mouse authenticated with a finger vein applied to the present invention
4 is a view showing a payment settlement system using a terminal capable of fingerprint recognition according to the present invention
5 is a flow chart of the operation of the financial transaction relay system
6 is a perspective view schematically showing the configuration of an embodiment of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention.
7 is a perspective view schematically showing a contact fingerprint and finger vein authentication device of an integrated payment device using the biometric authentication integrated terminal of the present invention.
8 is a perspective view schematically showing an optical fingerprint and finger vein authentication device of an integrated payment device using the biometric authentication integrated terminal of the present invention.
FIG. 9 is a diagram showing a system in which points generated in the online bank or electronic commerce of the present invention and coins traded on the exchange of virtual currency are traded on separate relay exchanges.
10 is a flow chart in which a Coin holder of the present invention requests a transaction to a Point holder.
FIG. 11 is a flow chart in which a point holder of the present invention requests a transaction to a Coin holder.
FIG. 12 is an overall configuration diagram showing a transaction system of a digital virtual currency having a block chain between parties of the conventional invention applied to the present invention; FIG.
FIG. 13 is a block diagram illustrating a DB unit mounted on a block chain-based digital virtual currency transaction guidance server among the configurations of a transaction system of a digital virtual currency having a block chain between parties of the conventional invention applied to the present invention;
FIG. 14A is a block chain-based digital virtual currency transaction screen stored in a presenter terminal of a configuration of a transaction system of a digital virtual currency having a block chain between parties of the conventional invention applied to the present invention; FIG.
FIG. 14B is a diagram showing an example of a case where a URL for recognizing a deputy in a transaction of a digital virtual currency having a block chain between parties using a transaction system of a digital virtual currency having a block chain between parties according to the present invention applied to the present invention, A URL display guidance screen for a presentee instant messenger displayed on a side instant messenger,
FIG. 14C is a flowchart illustrating a process of trading a digital virtual currency having a block chain between parties using a digital virtual currency transaction system having a block chain between parties according to the present invention applied to the present invention. The instant messengers designated by the presenter,
FIG. 14D is a flowchart illustrating a process of trading a digital virtual currency having a block chain between parties using a trading system of a digital virtual currency having a block chain between parties according to the present invention applied to the present invention, on a videophone instant messenger A URL display guidance screen for a videorecord instant messenger in which a URL for a water purifier identification is displayed,
FIG. 14E is a flowchart illustrating a process of trading a digital virtual currency having a block chain between parties using a transaction system of a digital virtual currency having a block chain between parties according to the present invention applied to the present invention on a donor-side instant messenger A payment confirmation screen for a presenter instant messenger indicating that a water purifier has been provided with a digital virtual currency having a block chain,
FIG. 14F is a flowchart illustrating a process of exchanging a digital virtual currency having a block chain between parties using a transaction system of a digital virtual currency having a block chain between parties according to the present invention applied to the present invention on a videophone instant messenger A cumulative storage guidance screen for a videorecord instant messenger that guides cumulative storage of digital virtual money having a block chain sent from a presenter to an electronic purse of a water purifier,
FIG. 15 is a flowchart illustrating a process of exchanging a digital virtual currency having a block chain between parties using fingerprint and fingerprint information using a digital virtual currency transaction system having a block chain between parties of the present invention.
16 is a diagram showing an input / output integration module for linking fingerprints and fingerprint algorithms applied to the present invention.
17 is a schematic block diagram of a conversion apparatus and a reception apparatus applied to the present invention
18 (a) and 18 (b) are diagrams for explaining an authentication number of a conversion apparatus and a receiving apparatus according to the present invention
FIG. 19 is a flowchart illustrating a process of exchanging a digital virtual currency having a block chain between parties using iris and face information using a digital virtual currency transaction system having a block chain between parties of the present invention.
20 is a virtual money settlement system for authenticating a card with a virtual currency of the present invention by fingerprint and paying it to an integrated terminal.
FIG. 21 is a diagram illustrating a card with a virtual money of the present invention and an integrated terminal using the same.
22 is a block diagram of a virtual currency transaction server applied to the present invention.
FIG. 23 is a flowchart showing a pre-payment method of a check card applied 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.

FIG. 2 is a block diagram showing a functional configuration of a fingerprint recognition mouse according to the present invention. FIG. 3 is a schematic perspective view of a fingerprint 1, a fingerprint 2 and a finger authenticated by a finger vein applied to the present invention, FIG. 2 is a view showing a payment settlement system using a terminal capable of fingerprint recognition according to FIG.

2, the fingerprint authentication mouse M according to the present invention includes a fingerprint authentication processing module 112, a fingerprint / fingerprint authentication processing module 113, an account password authentication processing part 114, a telephone number authentication processing part 116, a mouse module 118, and a signal processing unit (multiple safety lock module) 110a.

First, referring to the basic invention of FIG. 1 of the related art, the financial transaction relay system 2b of the present invention relays bank transactions and electronic commerce transactions using an unauthorized access method using multiple security lock functions including fingerprint recognition.

To this end, the financial transaction relay system 2b of the present invention registers a member as a member through fingerprint recognition, account password authentication, and telephone number authentication to the personal financial transaction relay server 100b, and transmits the user terminal 200b and the online bank system 300b ) And the electronic commerce system (400b), a fingerprint authentication is performed so that an unauthenticated connection is established.

The financial transaction relay system 2b of the present invention includes a communication network, a customer terminal 200b, an online bank system 300b, an electronic commerce system 400b and a personal finance transaction relay server 100b.

Accordingly, the charging system technology of the operating system as described above is performed in a financial relay system. First, the name, address, number, phone number, ID, and password are input at the time of opening a passbook, The transaction server registers the fingerprint by the fingerprint recognizer of the mouse and matches the telephone number and the password on the basis of the fingerprint information and transmits the mouse fingerprint information at the moment of payment in the financial transaction and the fingerprint information of the registered relay server The financial transaction is approved. It is then possible to transfer and buy goods to a bank account.

In addition, although the customer terminal 200b of the conventional invention is provided as a portable computer such as a smart phone, a tablet computer, a notebook computer, or a personal computer and is connected to the personal financial transaction relay server 100 through the communication network 4, In the case of the present invention, an embodiment for storing fingerprint information of the authentication of the user in the computer mouse will be described, and this will be described with priority as a technical point.

When the fingerprint authentication processing module 112 requires the fingerprint authentication of the user, the fingerprint authentication processing module 112 receives the fingerprint image of the user through the fingerprint sensor 112a and then internally processes the data through the fingerprint sensor 112a.

When the fingerprint / finger vein authentication is required by the user, the fingerprint / finger vein authentication processing module 113 receives the fingerprint image of the user through the fingerprint / finger vein sensor 113a, To the communication port.

The fingerprint / fingerprint authentication processing module 113 includes a fingerprint and / or fingerprint authentication processing module, and is structurally capable of simultaneously recognizing a fingerprint and a fingerprint formed on the upper portion of the mouse.

In addition, the account password authentication processing unit 114 may allow the password input at the time of opening the passbook to be matched with the fingerprint information, or may be operated only by the fingerprint information settlement.

In addition, the telephone number authentication processing unit 116 may allow the input telephone number to be matched with the fingerprint information at the time of opening the passbook, or may operate only by the settlement of the fingerprint information.

The mouse module 118 detects the position value input from the optical sensor or the mouse ball 118b and the number of button clicks inputted from the left / right click button 118a indicated by the left click button and the right click button, And the click signal such as the value is internally converted into data, and then transmitted to the communication port.

Data transmitted from the fingerprint authentication processing module 112, the fingerprint / fingerprint authentication processing module 113, the account password authentication processing section 114, the telephone number authentication processing section 116 and the mouse module 118, (Multiple safety lock module) 110a and then transmitted to the computer main body 6a via the mouse cable.

In this way, the signal processing unit (multiple safety lock module) 110a of the personal financial transaction relay server 100b is configured such that the mouse M connected to the computer main body 6a of the customer terminal 200b, The fingerprint authentication processing module 112 and the fingerprint / fingerprint authentication processing module 113. The fingerprint sensor 112a registers the member as a member through the fingerprint authentication processing module 112 and the fingerprint / finger vein authentication processing module 113 when performing a financial transaction with the online banking system 300 and the electronic commerce system 400, And fingerprint information from the fingerprint / finger sensor 113a and performs the authentication processing so that the financial transaction is performed in the online banking system 300b and the electronic commerce system 400b in the case of financial transactions and electronic commerce, . The personal financial transaction relay server 100b establishes a personal portal site for personal financial transactions.

Since the fingerprint / fingerprint information is stored in the mouse, the fingerprint / fingerprint information is not transmitted unless the fingerprint / fingerprint information is used. Therefore, the fingerprint mouse connected by wire is never hacked.

The mouse M may be a fingerprint authentication processing module 112 or a fingerprint / fingerprint authentication processing module 113 and a mouse module 118 ), And the signals transmitted therefrom are switched in real time by a signal processing unit (multiple safety lock module) 110a and then transmitted to a compute main body via a mouse cable, and the transmitted fingerprint information is transmitted to the personal financial transaction And relaying the financial transaction by accessing the online banking system or the electronic commerce system without authentication through the personal financial transaction relay server when the fingerprint information registered in the relay server coincides with the fingerprint information registered in the relay server.

In the present invention, the signal processing unit (multiple security lock module) 110a includes any one of the account password authentication processing unit 114 or the telephone number authentication processing unit 116, Or registers the password for the account account number of the customer terminal in the database to the personal finance transaction relay server to register the telephone number or the account password in the fingerprint information of the customer terminal And registering the matching member as a member of the personal finance transaction relay server by matching any one of the plurality of financial transaction relay servers.

Since the above-described invention is based on the prior art, it is considered as an essential component of the present invention and is described in detail in the prior art, and a description thereof will be omitted here.

The following describes another embodiment of a mouse to which the present invention is applied.

3 is a schematic perspective view of a fingerprint 1, a fingerprint 2 and a mouse authenticated with a finger vein applied to the present invention.

The embodiment of FIG. 3 conceptually shows a fingerprint and finger vein of the mouse M and an image acquisition mechanism of the finger fingerprint according to the embodiment of the present invention.

As shown in the figure, a scroll C, a right click C1 and a left click C2 are formed on a normal mouse M, and a fingerprint recognizer 1000 is formed on the lower left of the mouse M And a fingerprint and finger vein recognizer 2000 are formed between the upper right portion of the scroll C on the mouse M and the right click C1 and the left click C2.

The fingerprint reader 1000 on the lower left side of the mouse M has a quadrangular contact fingerprint authentication module device unit 1000a formed in the fingerprint recognition seating frame 1000b, A fingerprint authentication module 1001a and a finger vein authentication device 2000a are formed in a mouse and a camera 2000b and a plurality of infrared light sources 2000c are formed within a predetermined distance within the mouse M The finger vein authentication device 2000a captures a finger vein and confirms it.

In addition, an infrared light source 2000d for emitting infrared rays to the finger is formed on the side of the ring-shaped finger recognition seating frame 2000e formed at the center, and a fingertip support 2000f for placing a finger tip is formed at the front end of the center .

Therefore, in the case of authenticating a fingerprint and / or a fingerprint at the time of e-commerce or financial settlement, a mouse is normally held in a state in which a mouse is normally used, the fingerprint of the thumb is recognized in the first fingerprint recognizer, The fingerprint of each fingerprint and / or the fingerprint is authenticated by raising the finger of the finger such as the finger or the finger.

By doing so, fingerprints and / or fingerprints can be authenticated at the time of online electronic commerce or financial settlement, so that the weakness of financial security by biometric authentication can be solved by combining two fingerprints and one fingerprint It will be possible.

In addition, the authentication method with the two-step time lag is provided for biometric authentication in the case of working on a document on a computer, And a computer hacking device capable of safely protecting the computer input data from outside without separately encrypting the input data.

In another embodiment of the present invention, the user is authenticated during payment using fingerprint recognition. To this end, in the present invention, a dedicated terminal having a scanning function for scanning a fingerprint and a fingerprint recognition function for recognizing the scanned fingerprint is used. The fingerprint recognized by the terminal can be compared with fingerprint data stored in a personal computer (e.g., a government agency) or a personal finance transaction stored in a personal computer with a game server, Card company) is authorized to pay for the transaction.

Such payment settlement can be used both offline and online. In case of offline, the fingerprint information assigned to the dedicated personal computer is inputted from the integrated terminal, and when the fingerprint information of the fingerprint information matches the payment signal, the payment signal is transmitted to the financial institution together with the transaction details to execute the transaction approval. In the case of online using an Internet site such as electronic commerce, fingerprint information is input to the mouse, and when the fingerprint information is matched, the settlement signal can be transmitted to the Internet site to execute the transaction approval.

Next, an embodiment will be described in which a server for storing fingerprint information is built in a computer main body, and fingerprint / fingerprint is settled by a biometric authentication integrated terminal offline.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

4 is a view showing a payment settlement system using a terminal capable of fingerprint recognition according to the present invention.

4, in the payment settlement system of the present invention, the offline shop 200a or the Internet site 22 for providing various services are connected to the financial transaction relay system 2 via the network 46, The network 46 includes a personal finance transaction relay module 100 in which a multiple security lock module 110 and a fingerprint / fingerprint authentication server 115 are formed, a fingerprint / fingerprint DB 120 associated with a mouse M, And authenticates the user based on the fingerprint data when the user purchases the product or uses the service through the offline shop 200a or the Internet site 22.

The multiple security lock module 110 is provided as a middleware, for example, as shown in FIG. 2, and has a personal authentication function of the customer terminal 200 and a firewall function for blocking hacking. In this embodiment as well, the multiple safety lock module 110 includes a fingerprint recognition processor 112 for receiving fingerprint information from a customer terminal and comparing the fingerprint information with previously registered fingerprint information in the database 120, An account password processing unit 114 for registering the account password of the customer terminal, and a telephone number authentication processing unit 116 for authenticating using the telephone number of the customer terminal.

The fingerprint / fingerprint DB 120 of the present invention is a database managed by an individual, and fingerprint / fingerprint data of registered fingerprint / fingerprint data is stored to provide various information when fingerprint / fingerprint data is authenticated.

The biometric authentication integrated terminal 1000 of the user is a biometric identification terminal, and includes a scanning device for scanning a fingerprint and a recognition device for recognizing the scanned fingerprint, thereby scanning and recognizing the fingerprint of the user. The terminal 1000 is associated with the fingerprint / fingerprint authentication server 115 and is connected to the off-line store 200a so that the fingerprint data recognized is transmitted to the fingerprint / fingerprint authentication server 115 for payment for the transaction Approve.

5 is a flowchart of the operation of the financial transaction relay system shown in FIG.

As shown in the figure, when the user visits the offline store 200a and uses the service (S201), the priority dedicated biometric authentication integrated terminal 1000 recognizes the scanned fingerprint after scanning the fingerprint of the user (S202 ).

Then, the recognized fingerprint data is input to the biometric authentication integrated terminal for payment settlement installed in the off-line store, and then transmitted to the personal financial transaction relay server 100 (S203).

The personal financial transaction relay server 100 compares the fingerprint data inputted through the payment terminal with the user's fingerprint data stored in the fingerprint DB to authenticate the user if the fingerprint data is identical (S204).

If they do not match, they are returned to fingerprint recognition again.

When the user is authenticated as described above, the user may select a settlement bank (passbook) or a card (S205).

If you do not choose to do so, please choose a payment bank or card again.

Thereafter, when the payment bank (passbook) or the card is selected, the payment amount is inputted (S206), and the fingerprint information is inputted again (S207).

If the fingerprint information matches the registered fingerprint information, the authentication processing is performed (S208), and the payment is approved for the requested amount (S209).

Then, it is confirmed whether payment is completed (S210), and the payment details are stored in the database and transmitted to the Internet site (S211).

A method of registering a fingerprint by the mouse M to the fingerprint / finger vein authentication server 115 of the personal financial transaction relay server 100 built in the computer main body 6a will be described below.

In the above embodiment, fingerprints are mainly used. In the future, however, techniques of fingerprints and / or fingerprints are simultaneously authenticated so that simplification is applied to portions requiring simplicity, Apply techniques that can be done.

6 is a perspective view schematically showing a configuration of an embodiment of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention.

As shown in the drawing, a terminal of the integrated biometric authentication terminal 1000 used here is provided with a magnetic card check part 1102 on one side and an IC card check part 1101 on the lower side And the power supply unit 1110 is turned on and the data input unit 1120 displays the payment amount on the LCD display unit 1130 for the clerk and presses the final payment button.

An electronic component cover 1150 is formed as a payment system on the front surface of the biometric authentication integrated terminal 1000. A fingerprint and finger vein authentication processing unit 1180 is formed on one side of the electronic component authentication processing unit 1180, The card information authentication processing unit 1190 is formed with an authentication card tag unit 1191 and a smartphone tag unit 1192. The functions of the authentication card tag unit 1191 and the smartphone tag unit 1192 can be the same or integrated , It is designed for the purpose of conveying the meaning that an independent card can be used with two guide displays and the purpose of transmitting meaning that a card registered in a smart phone can be used.

An LCD display part 1199a for a customer is formed by a hinge (not shown) so that an angle can be adjusted according to a customer's position, and the LCD display part 1199a for a customer The payment amount of the customer and the indication of the audit are displayed, and the advertisement function is added to the operation.

An iris information authentication processing unit 1194 is formed at an upper end of the customer LCD display unit 1199a and is designed together with the iris information authentication processing unit 1194 to form a face information authentication processing unit 1196. [

An unexplained reference numeral 1182 denotes an infrared ray emitting unit which is further transmitted to the fingerprint and finger vein authentication processing unit 1180.

When the LCD display unit 1130 is not used normally or the settlement can be made only by the LCD display unit 1130 for a clerk, the customer LCD display unit 1199a is folded and used by using a hinge. In order to repair the internal computer equipment The electrical component cover 1150 can be opened around the hinge 1151.

Hereinafter, the fingerprint and finger vein authentication processing unit 1180, the iris authentication processing unit 1194, and the face information authentication processing unit 1196 will be described in detail.

First, the contact type fingerprint and finger vein authentication device will be described.

FIG. 7 is a perspective view schematically showing a contact type fingerprint and finger vein authentication device of the integrated payment device using the biometric authentication integrated terminal of the present invention, FIG. 8 is a schematic view showing the optical fingerprint and the fingerprint of the integrated payment device using the biometric authentication integrated terminal of the present invention, Fig. 2 is a perspective view schematically showing a finger vein authentication device. Fig.

As shown in the figure, the fingerprint and finger vein authentication processing unit 1180 formed in the biometric authentication integrated terminal 1000 includes a contact type fingerprint scanning module 2310 formed on the upper side and a finger imaging groove 2410 formed on the lower side And a branch point MAC authentication device unit 2100 is formed to perform fingerprint authentication and finger vein authentication.

The fingerprint scanning module 2310 uses a contact type recognition module, and on the back of the fingerprint scanning module 2310, a recognition circuit front part 2320 is formed.

The authentication device unit 2100 for acquiring the finger vein information is configured to authenticate the finger vein at the bottom edge of the main body side of the terminal. The inside of the terminal is connected to the contact fingerprint scanning module 2310, A fingerprint scanning module 2310 is formed on the upper side of the authentication device subspace 2500. The fingerprint scanning module 2310 is formed on the upper side of the authentication device subspace 2500, And a finger photographing groove 2410 is formed on the lower side to place the finger f in a non-contact manner, so that the finger f can be recognized simultaneously.

A very thin finger-holding glass plate may be formed in the finger photographing groove 2410 so as to prevent the entry of foreign dirt or the like.

In this case, the image sensor can be operated by attaching an infrared ray filtering film for blocking the visible ray using the finger support glass plate.

In addition, the finger-holding glass sheet may be formed so as to be formed at the front portion of the image sensor 2510a and the infrared ray transmitting portion 2520a in close proximity to the infrared ray filtering film.

Then, a blank finger photographing groove 2410 is formed on the lower side thereof to form the finger f easily.

The image sensor 2510a and the infrared ray transmitter 2520a are formed in parallel in the back authentication device subspace 2500 of the empty finger photographing groove 2410 and a recognition circuit 2530 for controlling the image sensor 2510a and the infrared ray transmitter 2520a is formed When recognizing finger vein patterns, they are activated to transmit various control signals.

When the image sensor 2510a and the infrared ray transmitter 2520a are designed so as not to be damaged, the empty finger photographing groove 2410 is designed to communicate with the authentication device space 2500 in a non- .

Further, in the case of the image sensor 2510a, the range for recognizing the finger veins is different according to the size thereof. Therefore, when the finger f and the distance Ha are extended, When the distance is short, only a narrow range of finger vein pattern is recognized. Therefore, it should be designed and designed considering the relation with the size of the electric field inside the terminal.

Accordingly, the inventor of the present invention has made an idea that the design of the terminal itself can be freely designed by shortening the depth of the finger f and the distance Ha, in addition to the above embodiment.

The following is another embodiment of the fingerprint authentication processing unit in the fingerprint and finger vein authentication processing unit.

As shown in FIG. 8, the fingerprint scanning module 2310 uses a contact type recognition module as a fingerprint authentication processing unit in the above-described embodiments, and a recognition circuit module The fingerprint scanning module 2310b uses an optical recognition module. The fingerprint scanning module 2310b is formed of an image sensor 2310a and an infrared ray emitting portion 2320a, The infrared ray is irradiated in the direction of the image, and an image of the image is photographed. On the rear surface thereof, a recognition circuit front portion 2320 is formed.

The following is a description of a coin-point relay exchange 5000 that executes a transaction between a "coin" targeted at a virtual money exchange and a "point" rewarded in an online bank or electronic commerce.

9 is a diagram showing a system in which points generated in an online bank or electronic commerce according to the present invention and coins traded on an exchange of virtual currency are traded on a separate relay exchange, FIG. 11 is a flow chart in which a point holder of the present invention requests a transaction to a Coin holder.

FIG. 9 is an overall configuration diagram for explaining a virtual money transaction system 3000 and an online bank and an electronic commerce system 4000 according to an embodiment of the present invention.

First, the virtual money transaction system 3000 will be described with a flowchart.

In the present invention, the virtual currency will be referred to as "Coin" or "Coin"

9, a transaction of a virtual currency according to an embodiment of the present invention is a transaction in which a presenter trades a virtual money to a voucher. Specifically, the presenter 300 transmits a digital virtual currency And transmits it to the digital virtual currency transaction guidance server 3100. In the digital virtual currency transaction guidance server 3100, the water purifier terminal 400 generates a transaction request signal for a presenter, Based on the block chain-based digital virtual money amount information stored in the electronic wallet information of the presenter, is subtracted by the amount to be donated to the water purifier, and the block chain-based digital After accumulating the information in the virtual money amount information, (Not shown), and the virtual money is exchanged or traded by performing the function of controlling the block to be transmitted to the block chain holding server (not shown).

Hereinafter, the concept of "exchange" includes the meaning of "transaction".

Accordingly, the main office issues Coin, and the coin is stored and managed in Allit-Bank (a virtual name of the bank) as a partner bank, for example, so that the functions specified by the regulations are respectively performed.

Coin "of the virtual currency trading system 3000 generated here is linked with the Coin management system 3500 so that it can be exchanged or traded with the Coin-Point transit exchange 5000.

In order to do this, you must apply for a trademark registration application so that you can use the trademark name for each level when exchanging or exchanging coins and points described below by applying for ALL IT BLUE COIN, ALL IT SILVER COIN, ALL IT GOLD COIN, ALL IT DIA COIN and ALL IT POINT. do.

The virtual currency trading method will be described in detail with reference to FIGS.

Second, the online banking and electronic commerce system 4000 will be described in a flowchart.

In the present invention, the profit generated and compensated by the transaction will be referred to as "point" or "Point" in the present invention.

9, an online bank and an electronic commerce system 4000 according to an embodiment of the present invention includes an online shopping mall 4100, at least one buyer PC terminal 4300a, Terminal 4300b, and merchant terminal unit 4400, respectively.

The online banking and e-commerce system 4000 is connected to the online shopping mall 4100 and the purchaser terminal through the Internet I and displays a goods window that can be purchased at a point owned by the purchaser himself / And performs the function to provide simultaneously.

The buyer's PC terminal 4300a and the buyer's mobile terminal 4300b are connected to the online bank and the electronic commerce system 4000 via the Internet I and are connected to various HTML (Hyper Text Marker Language) document and the like, so that the web browser can be displayed on the screen.

In addition, the buyer's PC terminal 4300a and the buyer's mobile terminal 4300b use the Allit-Pay accumulation card, and a third-party card associated with the card can also be used.

At this time, the points allocated to the buyer as a certain amount are accumulated as revenue compensation.

The buyer's PC terminal 4300a is preferably implemented as a personal computer (PC). However, the buyer's PC terminal 4300a may be implemented as any device capable of communication such as a notebook computer, a PDA, a smart phone, .

The designated franchise terminal unit 4400 is composed of a plurality of fiduciary terminals designated in advance for accumulating points. In the present embodiment, for convenience of description, the designated franchise terminal unit 4400 grouped into one merchandise is referred to as a first franchise terminal unit 4400a, a second franchise terminal unit 4400b, a third franchise terminal unit 4400c, , --- (omitted) --- and the nth merchant terminal unit 4400n.

Also, the designated merchant terminal unit 4400 uses the Allit-Pay accumulation card, and a third-party card associated with the card can also be used.

At this time, the points allocated to the buyer as a certain amount are accumulated as revenue compensation.

At this time, it is possible to exchange or trade the accumulated points and coins to be described later, thereby providing the benefit of the consumer.

That is, a system is constructed by linking the "points" of the online bank and the electronic commerce system 4000 generated here with the revenue compensation point management system 4500 so as to deal with the coin-point transit exchange 5000.

Reference numeral 6000 denotes an " Allit Pay Process ", which represents an operation network capable of organizing a line that can bring about efficiency of business in connection with all the Haitian bank and all-in-a-chip payload described later.

The above-mentioned all-eye bank and all-in-ones will be described in detail with reference to FIGS. 20 to 27.

Third, the relay exchange 5000 of all Haitian coins and all Hait points shown in the middle of FIG. 9 will be described.

Coin "of the virtual currency trading system 3000 generated by the transaction of the virtual currency is linked with the Coin management system 3500 so as to be able to trade with the Coin-Point Intermediary Exchange 5000. The coin-

In addition, the online bank and the "point" of the electronic commerce system 4000 compensated according to the use results of the bank or the like are linked with the reward point management system 4500 so as to be able to deal with the coin- .

Here, by allowing exchange or trading with the above-mentioned " coin "and the above-mentioned" point ", the value of the substantial coin becomes an opportunity to be recognized, and as the system adapted to the internationalization trend of "coin " It will be an occasion to prevent the act of confusing the economic order in advance.

In other words, if the "coin" is not recognized as an economic value, for example, an act by an insolvent company or an unqualified individual to "coin" the economy to erode the economic order will be eradicated.

FIG. 10 is a flowchart illustrating a process of requesting a Coin holder of the present invention to a Point holder, in which a Coin holder stored in a virtual currency trading system 3000 receives a Point A start step (S3000) of turning on a smart phone or a computer when a coin exchange or transaction is requested to a holder of the coin;

Executing a coin-point relay transaction app to execute the coin-point relay transaction app in the smartphone or the computer (S3001);

A coin sales quantity and price input step (S3002) for allowing the coin holder to input the sales quantity and price of the coin requesting the transaction to the point holder by the smartphone or the computer;

A point holder coin deposit (conditional) deposit step (S3003) in which a point holder who wishes to coin transaction enters a payment conditionally into a bank account of a coin holder;

A step S3004 of determining whether or not the amount of money deposited in the step S3003 of depositing coin money in the smartphone or the computer matches with the amount offered by the coin holder (S3004);

A re-deposit notification step (S3005) of notifying the buyer to deposit the sales proceeds again if the two do not match;

In the step S3004 of determining whether or not the sales amount is coincident, Coin transmission and authentication (biometric information) signal for transmitting coin to the water terminal and inputting transmission settlement as an authentication (biometric information) An input step (S3006);

Here, the authentication signal includes not only a numeric signal such as a password, a password, and an OTP reply number but also a signal including an enter signal, which means a signal for pressing the transmit key and inputting the last enter. Hereinafter,

(Biometric information) coincidence determination step of determining whether or not the authentication signal (biometric information) inputted when the Coin holder performs the coin transmission and authentication (biometric information) signal input step (S3006) S3007);

If the two are not matched, the sales proceeds repayment step (S3008) to return the sales proceeds again;

A coin transfer completion and payout completion step S3009 in which coin transfer is completed and the payout is finally approved when the authentication signal (biometric information) is coincidentally determined in step S3007;

Thereafter, a Coin transfer completion and payout payment completion step (S3009) is performed and a transaction end step (S3010) is performed.

Here, the biometric information includes fingerprint or / and finger vein information, iris information, and face information.

As described above, a process of requesting a transaction to a point holder by a Coin holder is performed using a smartphone or a computer.

11 is a flowchart illustrating a process of requesting a Coin holder to exchange a Coin (Coin) stored in a virtual money trading system 3000 by a holder of a point rewarded from the online bank and the electronic commerce system 4000, (S4000) when a coin is exchanged or a transaction is requested to a holder of the coin by turning on a smart phone or a computer;

Executing a coin-point relay transaction app to execute an application for coin-point relay transaction in the smartphone or the computer (S4001);

A coin sales quantity and price input step (S4002) for allowing the point holder to input the sales quantity and price of the coin requesting the transaction to the coin holder in the smartphone or the computer;

A Coin holder coin (conditional) transmission step (S4003) for conditionally inputting a coin to the bank account of the point holder as the Coin holder desiring the coin transaction;

A step (S4004) of judging whether or not the coin quantity transmitted in the coin holder coin (conditional) transmission step (S4003) in the smartphone or the computer matches the quantity indicated by the point holder;

A retransmission notification step (S4005) of notifying the presenter to send the coin again if the two do not match;

In the case where the coin quantity is matched in the coin quantity matching step (S4004), Coin transmission and authentication (biometric information) signal input for transmitting coin to the water terminal and inputting transmission settlement as authentication (biometric information) signal Step S4006;

Here, the authentication signal includes not only a numeric signal such as a password, a password, and an OTP reply number but also a signal including an enter signal, which means a signal for pressing the transmit key and inputting the last enter. Hereinafter,

(Biometric information) coincidence determination step of determining whether the input authentication signal (biometric information) matches when the Coin holder performs the coin transmission and authentication (biometric information) signal input step (S4006) S4007);

A coin return action step (S4008) in which the coin is returned if the coin is not matched;

A coin transfer completion and payout completion step (S4009) for finishing the coin transfer and final payment of the payout amount when the authentication signal (biometric information) coincidence is determined in step S4007;

Thereafter, a Coin transfer completion and payout payment completion step (S4009) is performed and a transaction end step (S4010) is performed.

Here, the biometric information signal includes fingerprint or / and finger vein information, iris information, and face information, and is digitized or patterned to be utilized as security information.

In addition, in the case of a point, one point can be calculated as one circle, and various calculations can be conveniently performed.

As described above, a process of requesting a transaction to a Coin holder by using a smartphone or a computer is explained.

Next, the virtual currency trading system shown in FIG. 9 will be described in detail with reference to FIGS. 12 to 19. FIG.

FIG. 12 is an overall configuration diagram showing a transaction system of a digital virtual currency having a block chain between parties according to the present invention applied to the present invention. FIG. 13 is a block diagram of a digital virtual currency FIG. 14A is a block diagram of a DB unit mounted on a block chain-based digital virtual currency transaction guide server among the configurations constituting the transaction system of the digital virtual currency transaction system of FIG. FIG. 14B is a block chain-based digital virtual currency transaction screen stored in the presenter terminal among the constituent elements of the present invention. FIG. In the process of trading digital virtual currency with block chain, FIG. 14C is a diagram showing a URL display guidance screen for a presentee instant messenger displayed on an instant messenger of a donor side, FIG. 14C is a diagram showing a URL display guidance screen for a presentee using a digital virtual currency transaction system having a block chain between parties according to the present invention applied to the present invention FIG. 14D is a view showing a presenter directing presenter prompt for selecting a presenter on the presenter's instant messenger installed in the presenter's terminal during a transaction of a digital virtual currency having a block chain. FIG. Side instant messenger in which the URL for identification is displayed on the videophone side instant messenger installed in the videophone terminal during the transaction of the digital virtual currency having the block chain between the parties using the transaction system of the digital virtual currency having the block chain between the parties URL display guide screen for FIG. 14E is a diagram showing a relationship between a donor terminal mounted on a donor terminal during a transaction of a digital virtual currency having a block chain between the parties using a digital virtual currency transaction system having a block chain between parties according to the present invention applied to the present invention FIG. 14F is a diagram showing a payment confirmation screen for a presenter's instant messenger indicating that a water purifier has been provided with a digital virtual currency having a block chain on an instant messenger, FIG. 14F is a diagram showing a payment confirmation screen for a presenter's instant messenger, Digital virtual currency having a block chain sent from a donor to an e-purse of a veterinarian on a videophone instant messenger installed in a videophone terminal during a transaction of a digital virtual currency having a block chain between the parties using a digital virtual currency transaction system is accumulated Instant messenger for veterans' FIG. 15 is a view showing a storage guidance screen. FIG. 15 is a flowchart illustrating a transaction process of a digital virtual currency having a block chain between the parties using fingerprint and fingerprint information using a transaction system of digital virtual currency having a block chain between the parties of the present invention Fig.

In order to facilitate understanding of the technical contents of the present invention, the present invention will be described in detail with respect to the present invention, which is the basis of the present invention.

The presenter terminal 300 generates a presenter transaction request signal including the amount information of the digital virtual currency having the block chain to be donated and the presenter's personal information and transmits the presenter transaction request signal to the digital virtual currency transaction guidance server 200 , A donor side block chain-based digital virtual currency trading application (310) for guiding the user to designate and transmit a voucher to be delivered to the digital virtual currency transaction guidance server (200) Is mounted.

Here, the application 310 for the donor-side block chain-based digital virtual currency transaction is an application program, which is connected to the app store via the presenter terminal 300 and downloaded or can be downloaded to the above-mentioned block chain-based digital virtual currency transaction guidance server 200 It can be directly connected, downloaded, installed and used.

The hybrid web can be used in place of the application 310, and the hybrid web can be activated and accessed or transmitted.

In addition, the presenter terminal 300 includes a keypad (not shown) for generating a user input signal for controlling or operating the presentee terminal 300 according to a user's operation in order to operate the app 310 for the donor side block chain- An information storage unit for storing data such as an information input unit such as a donor's personal information or an app for a digital virtual currency transaction based on the donor side block chain, which is a dedicated program, a block chain-based digital virtual currency transaction screen An information output unit 301 for outputting multimedia information such as a title 510 and a control unit for performing overall operation control of the presentee terminal 300. In order to clearly define the present invention, And the reference numerals are denoted only to the information output unit 401 in the water terminal 400, which will be described later.

The presenter terminal 300 that performs the functions may be provided with various functions such as palmtops, PDAs, a communication terminal such as a smart phone capable of accessing the Internet, a portable multimedia player (PMP), or a UMPC -mobile PC) and a MID (Mobile Internet Device), which can be similarly applied to a water-purifier terminal 400 described later.

The water purifier terminal 400 is automatically executed when a URL for a water purifier to which a URL for recognition of a witness A is transmitted from the presenter 300 is clicked on to receive a digital virtual currency having a block chain Side terminal block chain-based digital virtual currency trading app 410 for controlling the vender-side currency block transaction information server 200 to generate a voucher authentication voucher signal including personal information .

Here, the app 310 for the donor-side block chain-based digital virtual currency transaction and the app 410 for the digital virtual currency transaction based on the debit side block chain are attached to the same app as the prefixes "donor side" and " .

In the presenter terminal 300 and the water purifier terminal 400, it is preferable that the water purifier is provided on the basis of an instant messenger (IM) so that it is possible to easily select a presenter to give a digital virtual currency having a block chain.

To this end, the presentee terminal 300 is equipped with a presentee instant messenger, and the water authority terminal 400 is equipped with a waterway instant messenger.

As such, the presenter instant messenger and the veteran instant messenger to be mounted are the same instant messenger and are prefixed here with the prefixes of the donor side and the veteran side to clearly distinguish them.

Thus, the donor-side block chain-based digital virtual currency trading app 310 of the donor terminal 300 collects the selected IM identification information identifying the donor-side instant messenger specified by the donor in the transaction request signal for the donor, and transmits it , When the URL for recognizing the voucher is transmitted from the digital virtual currency transaction guidance server 200, the invitation-side instant messenger is controlled so that the presenter's instant messenger specified by the presenter is automatically executed, When the presenter designates the instant messenger's account of the instant messenger requesting delivery of the URL (A) for identification, the presenter's instant messenger transmits the URL (A) for the water terminal 400 ). ≪ / RTI >

In addition, the instant messenger of the water purifier terminal 400 controls the output of the transmitted urinal URL (A) to be output, and the water purifier side block chain-based digital virtual currency trading app 410 of the water purifier terminal 400 When the water purifier clicks on the URL (A) for the water purifier indicated in the instant messenger on the water purifier side, the water purifier is automatically executed to generate a personal identification signal for the water purifier authentication and is programmed to be transmitted to the digital virtual currency transaction guidance server 200.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIG. 15 attached hereto.

First, the presenter executes the application 310 for the donor-side block chain-based digital virtual currency transaction (S110) mounted on the presenter terminal 300 and executes the executed donor-side block chain-based digital virtual currency trading application 310 (S120) through the information output unit (301) of the presenter terminal (300).

At this time, the biometric authentication of the donor side is requested by the fingerprint and / or finger vein authentication means in order to prevent all information from being exposed. Here, it is determined whether the fingerprint and / or finger vein authentication is performed (S130a).

If the above conditions are not satisfied, the transaction is terminated. Thereafter, the presenter displays an amount of money on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301, an instant messenger check box 511, When the transmission menu 514 is clicked in a state in which it is inputted to the text input field 512 and the text input field 513 in accordance with the input form, the donor side block chain based digital virtual currency trading app 310 transmits the block chain- Virtual money transaction information server 200, the block-chain-based digital virtual currency transaction guide server 200, and the block-chain- (S130).

Then, the block chain-based digital virtual currency transaction information server 200 transmits the information on the presenter's personal information included in the transaction request signal for the presenter to the member list information DB 211, when the transaction request signal for the presenter is transmitted from the presenter terminal 300. [ And generates a URL (A) for a veterinarian to recognize the voucher to which the digital virtual currency having the block chain is to be recognized after confirming that the member is a member, and transmits it to the presenter terminal 300 (S140).

Then, when the donor-side block chain-based digital virtual currency trading app 310 of the presenter terminal 300 receives the URL for acknowledgment of acceptance from the block chain-based digital virtual currency transaction guidance server 200, The URL display screen (FIG. 14B) for the instant messenger for the presentee in which the URL for the receiver identification (A) is inserted in the automatically executed presenter-side instant messenger while controlling the instant messenger corresponding to the information to be automatically executed And is outputted through the information output unit 301 (S150).

Then, the instant messenger of the presenter of the presenter 300 sends the instant messenger's voucher account requesting delivery of the URL (A) for the veterinarian to the presenter through the presenter specifying screen for the instant messenger (see Fig. 14C) (S160), the URL of the water purifier is transmitted to the water purifier terminal 400 corresponding to the water purifier account.

Then, the water purifier side instant messenger of the water purifier terminal 400 displays the URL instant messenger URL display guidance screen (see FIG. 14D) for the water purifier side in which the transmitted URL of the water purifier ID is inserted, through the information output unit 401 S170).

At this time, the biometric authentication of the donor side is requested by the fingerprint and / or the finger vein authentication means in order to prevent the transaction progress from being automatic. In this case, it is determined whether fingerprint authentication and / or fingerprint authentication is performed (S180a).

If the above condition is not satisfied, the transaction is terminated, and when the URL (A) for the water purifier displayed on the water purifier side instant messenger of the water purifier terminal 400 is clicked, the water purifier side block chain digital virtual The monetary transaction app 410 is automatically executed (S180).

The appendage block chain-based digital virtual currency trading app 410 of the automatically executed water purifier terminal 400 generates a personal authentication history signal for personal authentication, which includes personal information of a voucher donated with digital virtual money having a block chain And transmits it to the digital virtual currency transaction guidance server 200 (S190).

Then, the block chain-based digital virtual currency transaction information server 200 transmits the personal identification information for the certificate authentication to the member list information DB 400, After confirming that the voucher is a member, it is subtracted from the electronic wallet list information DB 212 by the amount to be donated to the voucher from the block chain-based digital virtual money amount information stored in the electronic wallet information of the presenter, Based on the block chain-based digital virtual money amount information stored in the electronic wallet information of the voucher by a predetermined amount, and generates transaction information for the digital virtual currency transaction having the block chain on the basis of the accumulated transaction information and transmits it to the designated block chain holding servers 100 (S200).

Thereafter, when the transaction information for the digital virtual currency transaction having the block chain is transmitted, the designated individual block chain holding server 100 verifies the transaction information for the digital virtual currency transaction having the transmitted block chain, The transaction is authenticated by authenticating the virtual currency transaction and recording the transaction information for the digital virtual currency transaction having the block chain in accordance with the authentication (S210).

Thereafter, the block chain-based digital virtual currency trading information server 200 transmits a message to the presenter 300 that the digital virtual currency having the block chain has been paid to the certificate holder.

Then, when a message is transmitted from the block chain-based digital virtual currency transaction guidance server 200, the donor-side block chain-based digital virtual currency trading app 310 of the presenter terminal 300 receives the selected IM identification information (See FIG. 14E) for the instant messenger on which the message has been inserted is displayed through the information output unit 301 while the instant messenger is controlled to be automatically executed .

In addition, when the message is transmitted from the block chain-based digital virtual currency transaction guidance server 200, the videophone side block chain-based digital virtual currency trading app 410 of the water purifier terminal 400 may be configured so that the videophone instant messenger is automatically executed (See FIG. 14F) for the instant messenger system in which the message is inserted into the automatically executed VIP-side instant messenger in a controlled state is output through the information output unit 401. FIG.

A transaction method of a bit coin which is a Crypto-Currency without issuance of a currency in a block chain structure in which transmission records made in the network are collected and encrypted with another bit coin transaction method, Executing a program installed in a computer constituting the bit coin to acquire and acquire a bit coin while authenticating the transaction of the bit coin; A bit coin obtained by mining and purchasing for the transaction of bit coin with a program executed by a computer is executed by executing a program mounted on the computer by a member server or a member computer equipped with a program provided by a cryptographic exchange server Executing an embedded program to generate a member web site address of a member's exchange on an encrypted money exchange server; The address of the general purse of the exchange for bit coin transaction is encrypted in a currency exchange server server through an encrypted currency exchange server having a database (DB) in which the transaction stored in the member server or the member computer is executed by executing the program ; And generating a member exchange address of a member stored in the encrypted money exchange server to execute a program mounted on the member server or member computer to trade bit coins.

In this case, before transmitting the bit coin, the biometric authentication of the donor side is requested by the fingerprint and / or the finger vein authentication means for authenticating the user. In this case, it is determined whether the fingerprint and / or finger vein authentication is performed. In order to quickly execute a bit coin transaction by executing a program mounted on a member server or a member computer, a bit coin is transmitted from the exchange's web wallet address of the member created in the encrypted money exchange server to the exchange's general purse address generated in the encrypted money exchange server ; And confirming transmission of the bit coin to the exchange general purse address generated at the exchange server at the exchange Web address of the member's own web site generated at the encrypted currency exchange server in the state where the program installed in the encrypted money exchange server is being executed.

At this time, before depositing the bit coin, the biometric authentication of the donor side is requested by the fingerprint and / or the finger vein authentication means for authenticating the user, and in this case, it is judged whether the fingerprint and / or finger vein authentication has been performed. When it is confirmed that the bit coin has been transmitted, the program mounted on the encrypted money exchange server is executed, and the bit coin is deposited by changing the numeric value on the database mounted on the encrypted money exchange server, not the actual bit coin, Processing; And a bit coin transaction method comprising a step of performing offset processing with a portion pre-paid in the database of the member when the transaction of the bit coin is completed by changing the numeric value on the database mounted on the encrypted money exchange server.

The following describes the conversion device that is linked by the fingerprint.

FIG. 16 is a diagram showing an input / output integration module for linking a fingerprint and fingerprint algorithm applied to the present invention, FIG. 17 is a schematic block diagram of a conversion device and a reception device applied to the present invention, and FIG. 18 (b) is a figure provided in the description of the authentication number of the conversion apparatus and the reception apparatus according to the present invention, and Fig. 19 is a diagram showing the relationship between the iris and face information using a transaction system of digital virtual currency having a block chain between the parties FIG. 2 is a flowchart illustrating a process of exchanging a digital virtual currency having a block chain between parties.

Here, the fingerprint and / or finger vein authentication means are formed as follows.

16 is a diagram showing an input / output integration module for linking fingerprint and fingerprint algorithm.

As shown in FIG. 16, the input / output integration module U1 for simultaneously linking fingerprint and fingerprint algorithm comprises a fingerprint module U2, a fingerprint module U3, and a conversion module U4.

First, the fingerprint module U2 will be described.

The GND line 1 of the fingerprint module U2 functions as a 0V grounding function as a reference of the negative voltage circuit and the line RX 2 serves as a serial data receiving port to control the fingerprint module. Line is a serial data transmission port that reads the status of the fingerprint module and line 4 of VCC functions as a + 5V voltage input function based on the (+) voltage of the power supply circuit. When a fingerprint is scanned and compared with a previously stored image, if there is a person of the same fingerprint image, the registered authentication code of the person is output to the serial communication (here, 232 communication is applied as an embodiment).

Here, 232 communication is a serial communication standard.

Next, the finger vein module U3 will be described.

The GND line 1 of the finger vein module U3 has a 0V grounding function as a reference of a negative voltage and the A 2 line is a serial communication standard RS485 communication A port for data reception and transmission functions, Line 3 is a serial communication standard RS485 communication B port for receiving and transmitting data. VCC line 4 is a + (positive) voltage reference of the power supply circuit and functions as a + 5V voltage input. After transmitting a finger through an infrared LED, a vein is scanned by a camera image sensor and compared with a vein image stored in advance. When there is a person with the same image, the registered authentication code of the person is used for serial communication (herein, 485 communication is applied as an embodiment) .

Here, 485 communication is a serial communication standard.

The following describes the conversion module U4 of the 485-232 communication.

The GND line 1 on the left side of the conversion module U4 has a 0V grounding function as a reference of the negative voltage and the A 2 line is a serial communication standard RS485 communication A port for data reception and transmission functions, The line 3 is a serial communication standard RS485 communication B port, and functions as a data receiving and transmitting function. The line VCC 4 is a (+) voltage reference and functions as a voltage input of + 5V. And converts the received 485 communication into 232 communication.

The line DI5 on the right side of the conversion module U4 is a serial 232 communication reception port and receives data. RE6 line is a 485 communication control port, and controls the transmission / reception state of the 485 communication module The DE 7 line is a 485 communication control port and controls the transmission / reception state of the 485 communication module. The RO 8 line is a serial 232 communication transmission port, and functions to transmit a command. It is linked with the integration module U1.

Next, the fingerprint and fingerprint input and USB output integration module U1 will be described.

The D1 / TX1 line of the integration module U1 is a serial 232 communication transmission port and functions as a data transmission function to a computer. The D0 / RX2 line is a serial 232 communication reception port. , GND line 4 is the ground of 0V as a voltage reference and D2 line 5 is the serial 232 communication transmission line of the fingerprint module (U2). It sends the command to the fingerprint module and D3 Line is a fingerprint module (U2) serial 232 communication reception line, and receives the status value of the fingerprint module. D8 line 11 is a serial 232 communication transmission port of the 485-232 communication conversion module (U4) D9 line 12 is a 485 communication control port of the 485-232 communication conversion module U4 and functions to control the sending and receiving states of the 485 communication module and D10 13 line Is a 485 communication control port of the 485-232 communication conversion module U4, D11 Line 14 is the serial 232 communication receiving port of 485-232 communication conversion module (U4), and it reads the status of the finger vein module (U3) Line is a (+) voltage 5V output pin that supplies the 5V voltage of fingerprint module (U2), finger module (U3), 485 communication conversion module (U4) The VIN line 30 has a + 5V voltage input function as a voltage reference, and the VIN line 30 has a + 5V voltage input function. In the above configuration, the fingerprint authentication code output from the fingerprint module U2 And the finger vein authentication code (the unique number of the customer registered with the low vein) output from the finger vein module U3 is converted into 232 communication from the conversion module U4 and the integrated module U1 ), And when the fingerprint and the fingerprint authentication code coincide with each other, the corresponding authentication code is output through USB.

The fingerprint and fingerprint algorithm of this case invention can be expressed as follows.

int getfingerauthorization (int fingerprintcode, int fingerveincode)

{

    if (fingerprintcode> 0 && fingerveincode> 0 && fingerprintcode == fingerveincode))

    {

return fingerprintcode;

    }

    return 0;

}

The algorithm is an algorithm that accepts a fingerprint authentication code and a fingerprint authentication code from the integration module U1 and allows an authentication code only when the fingerprint and the low vein are the same person.

The following is a more detailed description.

The fingerprint module U2 retrieves a fingerprint and outputs the code number of the corresponding person when there is a person matching the fingerprint.

The finger vein module U3 searches for a finger vein and outputs the corresponding person's code number if there is a person matching the finger vein.

The fingerprint code of the fingerprint module U2 and the fingerprint code of the fingerprint module U3 are inputted into fingerprintcode and fingerveincode which are the arguments of the function name getfingerauthorization of the above algorithm so that both argument values are valid and also two registration The fingerprint and the finger vein integration module output the person's code only when the unique number of the customer is matched.

If other fingerprint code and fingerprint code are invalid or do not match, an error code of 0 is output.

The following describes a technique of combining a device and an anti-hacking device developed by the inventor who can simultaneously recognize a fingerprint, a fingerprint and / or a finger vein.

17 is a block diagram for explaining the authentication logic of the conversion apparatus and the reception apparatus according to the present invention.

Side switching center 3200 and a reception apparatus 3210 and a phone banking server 3300 are connected to the receiver side in a systematic manner by forming a customer terminal 3100, a conversion apparatus 3110 and a caller- Is formed.

The calling terminal 3100 is used, for example, by a user to call the phone banking server 160 and input personal information such as a user's account number, password, and resident registration number as a DTMF signal.

In order to prevent the input DTMF signal of the personal information input by the user through the calling terminal 100 from the risk of hacking, the conversion device 3110 converts the input DTMF signal into conversion logic based on a predetermined authentication number provided from the reception device 3210 And converts the inputted DTMF signal.

The source-side switching center 3120 transmits the converted DTMF signal input from the conversion apparatus 3110 to the destination switching center 3200 via the communication network.

The called party switching center 3200 receives information transmitted from the calling party switching center 3120 via the communication network. It is formed in the personal finance transaction relay server.

The receiving device 3210 restores the converted DTMF signal received from the destination switching center 3200 into the DTMF signal of the original personal information.

The phone banking server 3300 finally receives the DTMF signal restored from the reception device 3210 and performs a phone banking service of the user.

The authentication number may be fixedly used in the receiving apparatus 3210 and used irregularly.

In the case of the authentication number fixed to the receiving device 3210, the receiving device 3210 searches the database based on the calling number of the customer and uses the same.

In the case of the authentication number generated irregularly by the receiving device 3210, the receiving device 3210 randomly generates and uses the authentication number in the authentication number generating / storing unit.

Referring to FIG. 18A, the number converter 217 has a converter 401 that generates a converted number by combining a circle number originally pressed by a customer with an authentication number input to the conversion apparatus 110. The authentication number is received from the receiving apparatus 150 during operation and stored therein, and the converter 401 converts the number using a combination of the inputted number and the authentication number.

FIG. 18B is a diagram showing the function of the restorer 403 of the number restoring unit 315, which converts a number converted by using a predetermined authentication number such as the converter 401 into an original number.

The receiving apparatus 3210 may transmit the authentication number every time the DTMF signal is required, or may be used as the authentication number until the call is terminated after the first transmission.

The conversion apparatus 3100 converts the received authentication number from the receiving apparatus 3210 using only the most recently received authentication number.

The following is an example in which the original number is converted into another number by the numeric conversion unit 217 using a predetermined authentication number.

Assume that the input digit is '3456' and the authentication number is '11'.

The converted digit '4' is added by adding the first digit '3' of the input digit and the first digit of the authentication number '1'.

To create a number to be added for conversion, the decimal place '1' and the place of day '1' of the authentication number are added to the converted number '4' to make a number '6'.

After making the data by the conversion device using the logic, the data is transmitted by the receiving device, and the authentication signal is transmitted to the phone banking server.

As a result, the technical content applied to the present invention applies to the fingerprint and / or fingerprint authentication means, and the step of processing authentication of the fingerprint or fingerprint applied to the fingerprint and / Transmitting the personal information to the receiver side exchange of the personal finance relaying transaction server using the DTMF signal; Returning a predetermined authentication number from the receiver side exchange of the personal finance relay transaction server; Converting the arrangement of the DTMF signals and transmitting the DTMF signals to a receiving device according to conversion logic based on a predetermined authentication number to which fingerprint or fingerprint information is returned; Reconstructing the converted DTMF signal into an array of DTMF signals originated by a user according to conversion logic based on an authentication number used for DTMF signal conversion; If the transmitted fingerprint or fingerprint information coincides with the fingerprint or fingerprint information registered in the personal financial transaction relay server, the personal banking transaction server accesses the online banking system or the electronic commerce system without authentication through the personal financial transaction relay server And a step of relaying the financial transaction. The method of the present invention is a transaction method of a digital virtual currency having a security and an anti-hacking function.

The following describes the process of trading a digital virtual currency using iris information.

FIG. 19 is a flowchart illustrating a process of exchanging digital virtual currency having a block chain between parties using iris / face information using a digital virtual currency transaction system having a block chain between parties of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIG. 19 attached hereto.

15, which is an essential component of the present invention, will be described as it is.

First, the presenter executes the application 310 for the donor-side block chain-based digital virtual currency transaction (S110) mounted on the presenter terminal 300 and executes the executed donor-side block chain-based digital virtual currency trading application 310 (S120) through the information output unit (301) of the presenter terminal (300).

At this time, in order to prevent exposure of all information, the biometric authentication of the donor side is requested by the iris / face information authentication means. Here, the iris information is authenticated by the binary data determined according to the presence or absence of the iris image pattern of each pixel In step S121, it is determined whether the facial information is authenticated by face information normalization based on the minutiae of the eye position and the neighboring detail information.

If the above conditions are not satisfied, the transaction is terminated. Thereafter, the presenter displays an amount of money on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301, an instant messenger check box 511, When the transmission menu 514 is clicked in a state in which it is inputted to the text input field 512 and the text input field 513 in accordance with the input form, the donor side block chain based digital virtual currency trading app 310 transmits the block chain- Virtual money transaction information server 200, the block-chain-based digital virtual currency transaction guide server 200, and the block-chain- (S130).

Then, the block chain-based digital virtual currency transaction information server 200 transmits the information on the presenter's personal information included in the transaction request signal for the presenter to the member list information DB 211, when the transaction request signal for the presenter is transmitted from the presenter terminal 300. [ And generates a URL (A) for a veterinarian to recognize the voucher to which the digital virtual currency having the block chain is to be recognized after confirming that the member is a member, and transmits it to the presenter terminal 300 (S140).

Then, when the donor-side block chain-based digital virtual currency trading app 310 of the presenter terminal 300 receives the URL for acknowledgment of acceptance from the block chain-based digital virtual currency transaction guidance server 200, The URL display screen (FIG. 14B) for the instant messenger for the presentee in which the URL for the receiver identification (A) is inserted in the automatically executed presenter-side instant messenger while controlling the instant messenger corresponding to the information to be automatically executed And is outputted through the information output unit 301 (S150).

Then, the instant messenger of the presenter of the presenter 300 sends the instant messenger's voucher account requesting delivery of the URL (A) for the veterinarian to the presenter through the presenter specifying screen for the instant messenger (see Fig. 14C) (S160), the URL of the water purifier is transmitted to the water purifier terminal 400 corresponding to the water purifier account.

Then, the water purifier side instant messenger of the water purifier terminal 400 displays the URL instant messenger URL display guidance screen (see FIG. 14D) for the water purifier side in which the transmitted URL of the water purifier ID is inserted, through the information output unit 401 S170).

At this time, the biometric authentication of the donor side is requested by the iris information authentication means in order to prevent the automatic progress of the transaction. Here, the iris information is authenticated by the binary data determined by the presence or absence of the iris image pattern of each pixel In step S171, it is determined whether the face information has been authenticated by the face information normalization based on the minutiae of the eye position and the neighboring detail information.

If the above condition is not satisfied, the transaction is terminated, and when the URL (A) for the water purifier displayed on the water purifier side instant messenger of the water purifier terminal 400 is clicked, the water purifier side block chain digital virtual The monetary transaction app 410 is automatically executed (S180).

The appendage block chain-based digital virtual currency trading app 410 of the automatically executed water purifier terminal 400 generates a personal authentication history signal for personal authentication, which includes personal information of a voucher donated with digital virtual money having a block chain And transmits it to the digital virtual currency transaction guidance server 200 (S190).

Then, the block chain-based digital virtual currency transaction information server 200 transmits the personal identification information for the certificate authentication to the member list information DB 400, After confirming that the voucher is a member, it is subtracted from the electronic wallet list information DB 212 by the amount to be donated to the voucher from the block chain-based digital virtual money amount information stored in the electronic wallet information of the presenter, Based on the block chain-based digital virtual money amount information stored in the electronic wallet information of the voucher by a predetermined amount, and generates transaction information for the digital virtual currency transaction having the block chain on the basis of the accumulated transaction information and transmits it to the designated block chain holding servers 100 (S200).

Thereafter, when the transaction information for the digital virtual currency transaction having the block chain is transmitted, the designated individual block chain holding server 100 verifies the transaction information for the digital virtual currency transaction having the transmitted block chain, The transaction is authenticated by authenticating the virtual currency transaction and recording the transaction information for the digital virtual currency transaction having the block chain in accordance with the authentication (S210).

Thereafter, the block chain-based digital virtual currency trading information server 200 transmits a message to the presenter 300 that the digital virtual currency having the block chain has been paid to the certificate holder.

Then, when a message is transmitted from the block chain-based digital virtual currency transaction guidance server 200, the donor-side block chain-based digital virtual currency trading app 310 of the presenter terminal 300 receives the selected IM identification information (See FIG. 14E) for the instant messenger on which the message has been inserted is displayed through the information output unit 301 while the instant messenger is controlled to be automatically executed .

In addition, when the message is transmitted from the block chain-based digital virtual currency transaction guidance server 200, the videophone side block chain-based digital virtual currency trading app 410 of the water purifier terminal 400 may be configured so that the videophone instant messenger is automatically executed (See FIG. 14F) for the instant messenger system in which the message is inserted into the automatically executed VIP-side instant messenger in a controlled state is output through the information output unit 401. FIG.

A transaction method of a bit coin which is a Crypto-Currency without issuance of a currency in a block chain structure in which transmission records made in the network are collected and encrypted with another bit coin transaction method, Executing a program installed in a computer constituting the bit coin to acquire and acquire a bit coin while authenticating the transaction of the bit coin; A bit coin obtained by mining and purchasing for the transaction of bit coin with a program executed by a computer is executed by executing a program mounted on the computer by a member server or a member computer equipped with a program provided by a cryptographic exchange server Executing an embedded program to generate a member web site address of a member's exchange on an encrypted money exchange server; The address of the general purse of the exchange for bit coin transaction is encrypted in a currency exchange server server through an encrypted currency exchange server having a database (DB) in which the transaction stored in the member server or the member computer is executed by executing the program ; And generating a member exchange address of a member stored in the encrypted money exchange server to execute a program mounted on the member server or member computer to trade bit coins.

At this time, before transmitting the bit coin, the biometric authentication of the donor side is requested by the authentication means of the iris information formed by the binary data determined according to the presence or absence of the iris image pattern of each pixel for the identity authentication. If the authentication is successful; In order to quickly execute a bit coin transaction by executing a program mounted on a member server or a member computer, a bit coin is transmitted from the exchange's web wallet address of the member created in the encrypted money exchange server to the exchange's general purse address generated in the encrypted money exchange server ; And confirming transmission of the bit coin to the exchange general purse address generated at the exchange server at the exchange Web address of the member's own web site generated at the encrypted currency exchange server in the state where the program installed in the encrypted money exchange server is being executed.

The iris information formed by the binary data determined according to the presence or absence of the iris image pattern of each pixel and the conversion device are fused to generate a new signal.

(Wherein the face information is determined based on the minutiae of the eye position and the neighboring detail information to determine whether the face information authentication is made of binary data determined by dividing each pixel according to the normalization of the face image).

In this case, before depositing the bit coin, the biometric authentication of the donor side is requested by the iris information authentication means made up of the binary data determined by the presence or absence of the iris image pattern of each pixel for authenticating the user, Determining whether the user has performed the operation; When it is confirmed that the bit coin has been transmitted, the program mounted on the encrypted money exchange server is executed, and the bit coin is deposited by changing the numeric value on the database mounted on the encrypted money exchange server, not the actual bit coin, Processing; And a bit coin transaction method comprising a step of performing offset processing with a portion pre-paid in the database of the member when the transaction of the bit coin is completed by changing the numeric value on the database mounted on the encrypted money exchange server.

Further, the description of such iris (or face) information is made up of binary data determined by dividing each pixel, and these data and the conversion device are fused to generate a new signal.

The following describes a system that can be paid by an integrated terminal with an accumulation card containing coins.

FIG. 20 is a virtual money settlement system for authenticating a card in which a virtual money is accumulated according to the present invention by a fingerprint and allowing the integrated terminal to settle the card. FIG. And FIG. 22 is a block diagram of a virtual money transaction server applied to the present invention.

20 to 22, a payment system 3000 using a virtual currency transaction includes a fingerprint coin accumulation card 6500 and a virtual currency transaction server 3100a.

The payment system 3000 of the present embodiment can be linked to the payment server 4500a. The payment server 4500a means a server that takes charge and processes the processes and services related to the settlement when making a payment using the fingerprint coin accumulation card 6500 (hereinafter, it can be mixed with a 'payment means' or a 'coin card' do.

The fingerprint coin accumulation card 6500 refers to a debit card, a credit card, a mobile payment means, and the like that a user having a virtual currency can use. As a premise for using the fingerprint coin accumulation card 6500, the user must hold the virtual currency charged in the electronic purse 3300a of the virtual money market.

The fingerprint coin accumulation card 6500 includes a coin accumulator 6200 interlocked by the fingerprint authenticator 6100 and an NFC signal 6300 and an IC chip signal 6400 interlocked with the coin accumulator 6200 It is possible to settle the originated and accumulated coins.

Further, the fingerprint coin accumulation card 6500 can use a coin accumulation card. In the case of the mobile payment means, an interface for selecting whether to use general payment or payment using virtual money is provided, .

Here, the online bank and the electronic commerce system 4000 according to the embodiment of the present invention can be realized by connecting an online shopping mall 4100 and one or more merchants 4100 through the Internet I, And is connected to the terminal unit 4400.

The online banking and e-commerce system 4000 is connected to the online shopping mall 4100 and the purchaser terminal via the Internet I and displays a commodity window for purchasing the commodity at the purchaser's request, And performs the function to provide simultaneously.

The designated franchise terminal unit 4400 comprises a plurality of fiduciary terminals designated in advance for accumulating coins. In the present embodiment, for convenience of description, the designated franchise terminal unit 4400 grouped into one merchandise is referred to as a first franchise terminal unit 4400a, a second franchise terminal unit 4400b, a third franchise terminal unit 4400c, , --- (omitted) --- and the nth merchant terminal unit 4400n.

In addition, the designated merchant terminal unit 4400 uses the coin accumulation card, and a card of a third party associated with the card can also be used.

The integrated terminal 6600 is linked to the designated franchise terminal unit 4400. The integrated terminal 6600 has a customer fingerprint and / or finger vein authentication processing unit 1180 (6100a) formed on one side of the front, A fingerprint authentication processing section 1181 (6100b) is provided at one side thereof and a card information authentication processing section 1100 (6300a) is formed at a central portion thereof. The IC chip card A payment unit 6400a is formed in the front central body of the integrated terminal.

The virtual currency transaction server 3100a is a device for operating a virtual money exchange, and may exist as a different server for each exchange. The virtual money transaction server 3100a interlocks with the payment server 4500a, The payment request amount is paid from the payment server 4500a, the payment request amount is paid to the payment account 3200a of the fingerprint coin accumulation card 6500, and the virtual money corresponding to the payment request amount is stored in the virtual money . However, the virtual currency transaction server 3100a prepays the settlement account 3200a with the deposit of the deposit account managed by the virtual currency transaction server 3100a before selling the deducted virtual currency, or prepares the deducted virtual currency The amount of money sold can be paid, or the total amount of the requested amount of money can be settled and paid in a lump sum on a preset date.

To this end, a virtual currency transaction server 3100a implemented by a similar system as shown in the conventional patent registration No. 10-1813256 includes a settlement request information confirmation unit 3101, a virtual currency conversion unit 3102, At least one of a payment request amount payment unit 3103, a payment request amount payment unit 3104, a payment request amount settlement unit 3105, a virtual money sale limit restriction unit 3106, a fee automatic payment unit 3107 and a point management unit 3108 can do.

When the payment request is made by the fingerprint coin accumulation card 6500, the payment request information verification unit 3101 receives identification information of the fingerprint coin accumulation card 6500 from the payment server 4500a, information about the payment account and the payment request amount Can be received and confirmed. For example, when the user uses the fingerprint coin accumulation card 6500 to purchase 10,000 items in the offline store 5000a, the identification information of the fingerprint coin accumulation card 6500, the payment of the fingerprint coin accumulation card 6500 The information on the account number and the payment request amount of 10,000 won is transmitted from the payment server 4500a to the payment request information confirmation unit 3101 so that it can be confirmed.

The virtual currency converter 3102 may convert the settlement request amount into virtual currency according to the price of the virtual currency. For example, assuming that the settlement request amount is 5,000 Korean won per 1-bit coin at the time of the payment request, the settlement request amount is 10,000 won, and the user currently holds a 10-bit coin, the settlement request amount is approximately 2 bits It can be converted into coins.

The virtual currency subtraction unit 3103 can subtract a certain portion of the virtual currency held by the user by the virtual currency converted through the virtual currency conversion unit 3102. [ For example, if the user currently has a 10-bit coin and the amount of the payment request is converted to about 2-bit coin according to the market, then the coin of about 2 bits is subtracted from the 10-bit coin, A virtual currency of about 8-bit coins can remain. At this time, a fee corresponding to the requested amount of money may be added, and the fee may be converted into virtual currency, which can be automatically deducted from the virtual currency held by the user. A more detailed description thereof will be described later with the fee automatic payment unit 3107. [

The settlement request amount payment unit 3104 receives the settlement request amount 3101 as a deposit of the deposit account held by the virtual currency transaction server 3100a before selling the virtual currency subtracted through the virtual money deduction unit 3103 to a third party, To the user's payment account 3200a.

The settlement request amount settlement unit 3105 sells the virtual currency subtracted through the virtual currency subtraction unit 3103 to a third party and deposits the sales amount of the virtual currency into the deposit account again to deposit the settlement account 3200a, The amount of money paid to the person can be settled.

The virtual currency sales limit limit unit 3106 converts the real-time total amount of the settlement request amount into the virtual currency through the virtual currency conversion unit 3102 at the time of payment using any one of the credit card and the mobile payment means, It is possible to temporarily limit the virtual money selling limit so that the user can not sell the virtual money that is held by the user.

The automatic account settlement unit 3107 can deduct a certain fee according to the settlement request amount with virtual money through the virtual currency deduction unit 3103. For example, assuming that the water rate is 1% of the settlement request amount, if the settlement request amount of 10,000 won occurs, not 100 won is taken as a commission, but the virtual currency equivalent to 100 won is subtracted from the user Fees can be paid automatically.

The point management unit 3108 pays the user a point at a predetermined ratio of the amount of the settlement request upon completion of the settlement through the settlement request amount settlement unit 3105. If the point is equal to or more than a fixed value, Can be provided. For example, assume that you pay 1 point for every 1,000 won of the settlement request, and when the accumulated total points reaches 10,000 points, the points are converted into cash, and the converted cash is converted back into virtual currency at a rate of 10,000 points The corresponding virtual money can be charged to the user's electronic purse.

As described above, the virtual money transaction server 3100a can be operated as a different server for each virtual money exchange. Depending on which virtual money exchange the user uses, the virtual money transaction server 3100a deducts the virtual money ≪ / RTI > In addition, when a user is using a specific virtual money exchange, it is possible to determine what virtual money is subtracted depending on what virtual money is held in the exchange.

FIG. 22 is a view for explaining a pre-payment method when using the payment means according to the embodiment of the present invention.

22, upon payment with the fingerprint coin accumulation card 6500 such as a debit card or a check card in the on-line / off-line store 5000a, the payment server 4500a transmits the payment information to the virtual currency transaction server 3100a . Here, the payment information may include payment means identification information, payment request amount information, payment account information, and the like.

Then, the virtual currency transaction server 3100a checks the payment request amount among the payment information received from the payment server 4500a, converts the payment request amount into virtual money by the requested payment amount, It is possible to deduct a part of money from the money, and to pay up to the settlement account 3200a the amount of the settlement request from the deposit account. At this time, the subtracted virtual account can be immediately sold and settled, but in the case of the prepayment method shown in FIG. 22, the sales amount is not used as the settlement request amount, that is, after the deducted virtual money is sold, The payment amount is not transferred to the account 3200a but is remitted to the settlement account 3200a in advance by the amount of the settlement request from the amount deposited in advance in the deposit account.

Thereafter, when the payment account 3200a transmits the deposited payment request amount to the payment server 4500a, the payment approval can be completed. At this time, the virtual currency transaction server 3100a can accumulate points at a certain rate according to the amount of the payment request.

While the present invention has been shown and described with reference to certain exemplary embodiments thereof, it is to be understood that the invention is not to be limited to the details and only representative embodiments thereof, It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention.

100: Personal financial transaction relay server
110: Multiple safety lock module
120: fingerprint / finger vein D / B
300: presenter terminal
400: receiver terminal
1000: biometric authentication integrated terminal
1100:
1105: Electrical cover
1180: fingerprint and finger vein authentication processing unit
1190: card information authentication processing unit
3000: Virtual currency trading system
3500: Coin management system
4000: Online bank and author commerce system
4500: Revenue Point Management System
5000: Coin-Point Exchange
6000: Allit Pay Process

Claims (7)

delete delete A fingerprint coin accumulation card 6500 of a user who holds a virtual currency; And
When a payment request is made by the fingerprint coin accumulation card 6500, the payment request amount is confirmed from the payment server and the payment request amount is transmitted to the payment account of the fingerprint coin accumulation card 6500 And a virtual currency transaction server for subtracting the virtual currency corresponding to the payment request amount from the virtual currency held by the user,
The virtual currency transaction server comprises:
A settlement request information confirmation unit 6500 for receiving and confirming the identification information of the fingerprint coin accumulation card 6500, the settlement account and the settlement request amount from the settlement server when a payment request is made by the fingerprint coin accumulation card 6500, ;
A virtual currency conversion unit for converting the settlement request amount into virtual currency according to the market price;
A virtual money subtracting unit for subtracting the virtual currency held by the user by the virtual currency converted through the virtual currency converter;
A settlement request amount payment unit for pre-paying the settlement request amount to the settlement account with the deposit of the deposit account before selling the virtual currency subtracted through the virtual money deduction unit;
A settlement request amount settlement unit for selling a virtual currency subtracted through the virtual currency deduction unit to a third party and depositing an amount of sales of virtual money into the deposit account;
A point management unit 3108 that provides points to the user at a predetermined ratio of the amount of the payment requested upon completion of the settlement through the settlement request amount settlement unit and can convert the points into virtual currency according to the market price when the points are accumulated, ≪ / RTI >
When the holder of Coin stored in the virtual currency trading system 3000 requests exchange or transaction of Coin to a holder of a point compensated at the online bank and the electronic commerce system 4000, (S3000);
Executing a coin-point relay transaction app to execute the coin-point relay transaction app in the smartphone or the computer (S3001);
A coin sales quantity and price input step (S3002) for allowing the coin holder to input the sales quantity and price of the coin requesting the transaction to the point holder by the smartphone or the computer;
A point holder coin deposit (conditional) deposit step (S3003) in which a point holder who wishes to coin transaction enters a payment conditionally into a bank account of a coin holder;
A step S3004 of determining whether or not the amount of money deposited in the step S3003 of depositing coin money in the smartphone or the computer matches with the amount offered by the coin holder (S3004);
A re-deposit notification step (S3005) of notifying the buyer to deposit the sales proceeds again if the two do not match;
A Coin transmission and authentication signal input step (S3006) for transmitting Coin to the water terminal and inputting a settlement of payment as an authentication signal when the settlement of sales proceeds in step S3004;
(S3007) for determining whether the input authentication signal is matched when the Coin holder performs the Coin transmission and authentication signal input step (S3006);
If the two are not matched, the sales proceeds repayment step (S3008) to return the sales proceeds again;
If it is determined in step S3007 that the coincidence of the authentication signals is coincident, Coin transmission completion and payout payment completion step (S3009), in which coin transmission is completed and the sales proceeds are finally approved;
(S3010) in which a coin transfer completion and a payout completion step (S3009) are performed and then a transaction ending step (S3010) is performed. Relay processing system.
A fingerprint coin accumulation card 6500 of a user who holds a virtual currency; And
When a payment request is made by the fingerprint coin accumulation card 6500, the payment request amount is confirmed from the payment server and the payment request amount is transmitted to the payment account of the fingerprint coin accumulation card 6500 And a virtual currency transaction server for subtracting the virtual currency corresponding to the payment request amount from the virtual currency held by the user,
The virtual currency transaction server comprises:
A settlement request information confirmation unit 6500 for receiving and confirming the identification information of the fingerprint coin accumulation card 6500, the settlement account and the settlement request amount from the settlement server when a payment request is made by the fingerprint coin accumulation card 6500, ;
A virtual currency conversion unit for converting the settlement request amount into virtual currency according to the market price;
A virtual money subtracting unit for subtracting the virtual currency held by the user by the virtual currency converted through the virtual currency converter;
A settlement request amount payment unit for pre-paying the settlement request amount to the settlement account with the deposit of the deposit account before selling the virtual currency subtracted through the virtual money deduction unit;
A settlement request amount settlement unit for selling a virtual currency subtracted through the virtual currency deduction unit to a third party and depositing an amount of sales of virtual money into the deposit account;
A point management unit 3108 that provides points to the user at a predetermined ratio of the amount of the payment requested upon completion of the settlement through the settlement request amount settlement unit and can convert the points into virtual currency according to the market price when the points are accumulated, ≪ / RTI >
The point management unit 3108 is a point management unit 3108 that when a holder of a point rewarded in the online bank and electronic commerce system 4000 requests exchange or transaction of Coin to the coin holder stored in the virtual currency transaction system 3000, (S4000);
Executing a coin-point relay transaction app to execute an application for coin-point relay transaction in the smartphone or the computer (S4001);
A coin sales quantity and price input step (S4002) for allowing the point holder to input the sales quantity and price of the coin requesting the transaction to the coin holder in the smartphone or the computer;
A Coin holder coin (conditional) transmission step (S4003) for conditionally inputting a coin to the bank account of the point holder as the Coin holder desiring the coin transaction;
A step (S4004) of judging whether or not the coin quantity transmitted in the coin holder coin (conditional) transmission step (S4003) in the smartphone or the computer matches the quantity indicated by the point holder;
A retransmission notification step (S4005) of notifying the presenter to send the coin again if the two do not match;
A Coin transmission and authentication signal input step (S4006) for transmitting coin to the water terminal and inputting a settlement payment as an authentication signal when the coin quantity is determined in step S4004;
A step (S4007) of determining whether the input authentication signal matches when the Coin holder performs the Coin transmission and authentication signal input step (S4006);
A coin return action step (S4008) in which the coin is returned if the coin is not matched;
A coin transmission completion and payout completion step (S4009) of finishing the coin transmission and finally paying the sales price when the authentication signal coincidence is determined in step S4007;
(S4010) in which a coin transfer is completed and a payout completion step (S4009) is performed and then a transaction ending step (S4010) is ended. Relay processing system.
The method according to claim 3 or 4,
The fingerprint coin accumulation card 6500 includes a coin accumulator 6200 interlocked by the fingerprint authenticator 6100 of the fingerprint coin accumulation card 6500 and an NFC signal 6300 interlocked with the coin accumulator 6200 ) Or the IC chip signal 6400 is originated and accumulated is paid out to the card information authentication processing units 1190 and 6300a formed at the central part of the integrated terminal or the customer directly holds the fingerprint card in the IC And an IC chip settlement unit (6400a) is formed in the front central body of the integrated terminal so as to settle by chip signal. The financial transaction relay processing system .
The method according to claim 3 or 4,
A step in which the customer terminal transmits personal information as a DTMF signal to the receiver side exchange of the personal finance relay transaction server in order to process fingerprint authentication in the Coin transmission and authentication signal input step; Returning a predetermined authentication number from the receiver side exchange of the personal finance relay transaction server; When the fingerprint is touched, the conversion device converts the arrangement of the DTMF signals according to the conversion logic based on the predetermined authentication number to which the fingerprint information by the binary data that is divided into the ridge and the valleys of the fingerprint are outputted and outputted as the digital electric signal Transmitting to a receiving device; Reconstructing the converted DTMF signal into an array of DTMF signals originated by a user according to conversion logic based on an authentication number used for DTMF signal conversion; If the transmitted fingerprint information coincides with the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction Wherein the coin card to which the virtual currency is accumulated can be paid by the fingerprint.
The method according to claim 3 or 4,
The fingerprint and / or finger vein authentication processing unit 1180 processes fingerprint and / or fingerprint information, which is an authentication signal, in the Coin transmission and authentication signal input step, and the fingerprint and / or fingerprint authentication processing unit 1180 The fingerprint scanning module U2 includes a fingerprint scanning module U2, a finger vein module U3, and a conversion module U4. The fingerprint scanning module U2 is capable of simultaneously authenticating fingerprints and fingerprints, The finger sensor is scanned by the image sensor and compared with a previously stored image to output a registered authentication code of a person in the same fingerprint image to the 232 serial communication, and the finger vein module U3 transmits a finger through the infrared LED The registered fingerprint image of the person is compared with the pre-stored finger image, and the registered authentication code of the corresponding person is output to the 485 serial communication, The conversion module U4 receives the 485 serial communication output from the finger vein module and converts it into 232 serial communication such as the fingerprint scanning module U2, The fingerprint authentication code and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 so that either the fingerprint or the fingerprint authentication code can be output via USB to the corresponding authentication code , The fingerprint authentication code output from the fingerprint scanning module (U2) and the fingerprint authentication code output from the fingerprint module (U3) are received by the integration module (U1), and when the fingerprint and the fingerprint authentication code coincide with each other And the authentication code is output by the USB. [Claim 10] A financial transaction relay processing system in which a coin card in which a virtual currency is accumulated can be paid out by a fingerprint.

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