KR102451994B1 - Method for relaying financial transaction with multiple safety function - Google Patents

Abstract

The present invention relates to a method for relaying a financial transaction with a multiple safety function, which can improve a recognition speed by processing a face image or an iris image (fingerprint and finger vein) as a contactless processing method during financial payment into binary data and reducing data quantity and reduce a misrecognition rate by changing patterns and routes of the iris. A system (2) for relaying a financial transaction of the present invention registers a member in an individual financial transaction relaying server (100) through face recognition, account password authentication, and number authentication and processes execution of non-authentication access through face authentication during a financial transaction of an affiliated store terminal (200), an online bank system (300), and electronic commerce systems (400).

Description

METHOD FOR RELAYING FINANCIAL TRANSACTION WITH MULTIPLE SAFETY FUNCTION

The present invention relates to a financial transaction relay processing method having a multi-safe lock function, and more particularly, by adopting a face image or iris image (including fingerprint / finger vein information) as a non-face-to-face processing method during financial settlement to contact the virus. Financial transaction with multiple safety lock function that can reduce the amount of data to improve recognition speed by reducing the amount of data and reduce the false recognition rate by changing the pattern and path of the iris by processing the technical processing method as binary data It relates to a relay processing method.

As a conventional invention, as shown in FIG. 1 , in Patent Registration No. 10-1543222 by the present inventors, there was an invention for a financial transaction relay processing method having a multi-safe lock function.

That is, in the financial transaction relay system 2 of the conventional invention, the customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 in step S150, and joins as a member in step S152. At this time, the customer terminal 200 inputs member information such as name, ID, password, phone number, and e-mail address.

In step S154, when the customer terminal 200 acquires fingerprint information through the fingerprint reader 210 and transmits the fingerprint information to the personal financial transaction relay server 100 through the communication network 4, the personal financial transaction relay server 100 ) registers fingerprint information corresponding to the customer terminal 200 . At this time, the personal financial transaction relay server 100 stores the fingerprint information 124 in the database 120 .

In step S156, the personal financial transaction relay server 100 authenticates the customer terminal 200 using a phone number. In step S158 , the personal financial transaction relay server 100 registers a password for the passbook account number of the customer terminal 200 . The registered account password is stored in the financial information 126 of the database 120 .

In step S160, the personal financial transaction relay server 100 registers the customer terminal 200 as a member by matching fingerprint authentication, phone number authentication, and account password registration.

In step S162, when the customer terminal 200 processes an authentication procedure to perform online banking transactions and electronic commerce, the personal financial transaction relay server 100 receives fingerprint information from the customer terminal 200 in step S164 and receives the fingerprint. process authentication.

If the fingerprint information input in step S166 matches the fingerprint information 124 stored in the database 120, in step S168, the personal financial transaction relay server 100 authenticates the online banking system 300 or the e-commerce system 400 without authentication. A technology for relaying financial transactions by connecting to

In addition, as a prior art, FIG. 2 described in Korean Patent Application Laid-Open No. 10-2004-0053810 is a diagram showing a block diagram of the entire system applied to the prior art, and FIG. 3 is a POS (Point Of Sale) according to the present invention. It is a flowchart illustrating a payment method using a terminal, and FIG. 4 is a perspective view schematically showing the configuration of an integrated payment device using a POS terminal of the prior invention.

As shown, the present invention is largely composed of a POS terminal 10, a POS service institution server (management server, 30), a credit card company server (data storage server, 50), a financial institution server 60, and an authentication server 40 will become

The POS terminal 10 is connected to the POS service organization server 30 through a wired/wireless network 20 of a dedicated network such as a high-speed communication network, and an authentication server 40 is separately connected to the POS service organization server 30 has been

The POS terminal 10 is a dedicated terminal for using the credit card company server 50, and a unique terminal ID is issued for each terminal by registering affiliated store information with the credit card company, and each terminal 10 and the authentication server Between (40), certificates are exchanged.

In the case of the conventional invention, in addition to this, the POS terminal 10 of the affiliated store has a background image unique to the affiliated store, and the background image is shared with each server at the same time, so that it can be used for authentication of the affiliated store.

A credit card company server 50 is connected to the POS service organization server 30, and the credit card company server 50 is connected to a financial institution server 60 that checks whether the card status and the user's electronic signature match. do.

And the credit card company server 50 is utilized as a data storage server for storing details according to the transaction.

In the above configuration, the POS terminal 10 stores the SEED value given from the authentication server 40 and transmits the encrypted information, and the terminal 10 and the authentication server 40 are modified SSL (Secure Socket Layer) protocol is used to exchange certificates.

In addition, the terminal 10 receives electronic signature data through the signature input unit with a stylus pen by the user. The data input through the signature input unit is compressed into text and vector data together with affiliate store information or transaction history information at the time of payment. After that, it is transmitted to the POS service organization server through the dedicated network.

First, a user visits a credit card affiliate store to purchase a product or service, and then uses a credit card to make a payment through the POS terminal. In this case, the payment is processed by inputting the credit card into the terminal.

In this case, transaction history information generated when a user purchases a product, that is, product name, quantity, price, transaction date and time, transaction manager and affiliate information, that is, the ID of the affiliated store terminal, and the ID of the background image receive the user's electronic signature and receive the POS terminal. After being stored in the , a first process (S100) in which the user's credit card information, ie, card number and card validity period, etc. is input during payment is performed.

In this case, it goes without saying that the above process may be performed by using a terminal that supports both card contact type (existing method) and contactless type (RFID, etc.), or selectively used if the user desires.

Next, the second process (S200) of compressing the information input in the above process into text and vector data and then transmitting it to the POS service organization server through a dedicated network is performed. In this process, the background image is excluded from transmission. Only the corresponding ID information is transmitted, and if the IDs match, the background image is shared with the server.

In this way, in the case of the present invention, transaction-related information and credit card information are within 1 kByte, and the vector information of the signature is also within 1 kByte, so that storage capacity within about 2 kByte per transaction is required. It is also possible to maximize the utilization of storage space.

Then, the transmitted affiliated store information is transmitted to the authentication server connected to the POS service institution server to determine whether the affiliated store is authenticated, and if it does not match, an error is processed and then ended. After the terminal encrypts the stored signature based on the SEED value transmitted through the encryption module, the third process ( S300 ) of transmitting it to the credit card company server together with the related information is performed.

After determining whether the electronic signature and card information of the transmitted user match the electronic signature and card information previously registered on the server of the financial institution, if the electronic signature does not match or does not match the card information, an error is immediately processed and then terminated If the digital signature matches and the card status is normal due to the match with the card information, a fourth process (S400) of requesting transaction approval from the financial institution server is performed.

For the transaction normally processed in the above process, the approval number is transmitted to the POS terminal, the transaction details are stored in the credit card company server, and information for issuance of an electronic receipt is transmitted to the POS terminal upon a user's request. Step 5 (S500) is performed.

In the above process, the payment for product purchase is paid to the affiliated store through the credit card company, and since all the transactions are stored in the credit card company server used as a data storage server, the user can receive an electronic receipt according to the transaction immediately. You can get the issuance at any time only when you need it without needing it.

On the other hand, after the customer performs the payment as described above, in the present invention, in case there is a claim as to whether or not the signature is paid in the future, the present invention calculates the trust level for the customer's signature and verifies the authenticity of the signature. Step 6 ( S600 ) may be further included.

However, in the case of the first embodiment of the prior invention, although it is a payment method by fingerprint, there was a concern about transmission of infection because it was not a non-face-to-face contact. It was not possible to provide a technology for a payment method by face recognition or iris recognition, which is non-face-to-face and at the same time vulnerable to security.

And, although it has been utilized for computer authentication using various biometric information for such security, a matching method as a simple payment system has not been developed.

In addition, the Galaxy A Quantum is a newly released Samsung smartphone from SKT. It is equipped with quantum security for the first time in the world, so the technology to send and receive important information related to login and finance more safely than before has been completed.

Quantum random number generation, which is still unfamiliar, has developed into a technology that can protect important information from the risk of hacking because it can encrypt important data by generating random numbers using the randomness of light that has no specific pattern and cannot be predicted.

As you can see from the name Galaxy A Quantum, which is taken from QRNG, that is, Quantum Random Number Generator, a quantum random number generation chipset with a size of 2.5 mm inside the device, not only the general public but also those in important security-related tasks such as the financial world or military personnel. known to be suitable for

And, an atom is composed of an atomic nucleus and electrons, among which the atomic nucleus is composed of neutrons and protons. Atomic random number generation IC CHIP developed in Japan is a method using the natural decay of atomic nuclei.

Quantum is a random number generator that uses quantum = proton as a material to generate random numbers.

Quantum mechanical properties used in quantum random number generators are representative of the method using the randomness of light and the method using the natural decay of radioactive isotopes.

The encryption method used in SK quantum phones is a method using the randomness of light.

And among the methods using the natural decay phenomenon of radioisotopes, random random numbers created using protons are called quantum random numbers.

In conclusion, the content is similar, but depending on whether an atomic nucleus or proton is used, it is divided into an atom and a proton, and there is a difference in the method of making it depending on which isotope is used.

The present invention was created to improve the above problems, and the fingerprint recognition at the time of financial payment was a face-to-face processing method, so there was a risk of infection such as corona, and a face using the advantage of the non-face-to-face method in central management of the server There was a problem that the image or the iris image could not be applied to the terminal payment.

In addition, even if such an atomic and quantum random number generation chipset has been developed, its application field is not clearly defined, so develop a technology that matches it with authentication signals of various security devices, passwords and face information of passbooks, and iris information (fingerprint/finger vein information) came to do

In addition, although the atomic and quantum random number generation chipset has been developed, its application field has not been clearly defined, leading to the development of a technology that matches face information, iris information, and biometric information of fingerprints/finger veins.

In the present invention, the financial transaction relay system 2 includes a financial transaction connection step in which the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4 in step S150; a member registration step of joining as a member after the financial transaction access step of S150 in step S152; In step S154, after the membership registration step in step S152, the affiliated store terminal 200 acquires face information through the face recognizer 210a, and transmits the face information to the individual financial transaction relay server 100 through the communication network 4 When transmitted, the individual financial transaction relay server 100 registers face information corresponding to the affiliated store terminal 200, and at this time, the individual financial transaction relay server 100 stores the face information 124a in the database 120. Face information acquisition and storage step; In step S158, after the face information acquisition and storage step of step S154, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200. Passbook account (or card) password registration step of the number; In step S160, after the passbook account (or card) number password registration step of step S158, the individual financial transaction relay server 100 selectively matches face authentication, phone number authentication and account (or card) password registration to face Payment member registration step for face authentication to register as a payment member for authentication; In step S162, after the face authentication payment member registration step of step S160, the individual financial transaction relay server 100 inputs the purchase price of the product to the merchant terminal 200 at the merchant when the customer purchases the product, and the customer A bank passbook account and card payment selection screen window providing step for providing a passbook account and a card payment selection screen window; In step S164, after the step of providing a screen for selecting a bank passbook account and card payment in step S162, the individual financial transaction relay server 100 includes a bank passbook account payment selection step in which the customer selects to pay with a bank passbook account; In step S166, after the bank passbook account selection step in step S164, the individual financial transaction relay server 100 provides a bank selection screen providing a bank selection screen to the terminal so that a bank can be selected; In step S168, after the bank selection screen providing step in step S166, the individual financial transaction relay server 100 checks whether a bank (and account) is selected whether the customer has selected a bank (and account); In step S170, after the bank (and account) selection confirmation step of step S168, the individual financial transaction relay server 100 provides a payment amount confirmation screen providing a screen for confirming the payment amount to the customer; In step S172, after the payment amount confirmation screen providing step in step S170, the individual financial transaction relay server 100 checks whether the customer made a payment using the passbook account; In step S174, after the payment confirmation step of step S172, the individual financial transaction relay server 100 includes a face information authentication confirmation step of confirming whether to authenticate with face information; In step S176, after the face information authentication confirmation step of step S174, the individual financial transaction relay server 100 includes a face information input confirmation step of confirming whether the customer has inputted face information through the face recognizer of the customer terminal; In step S178, after the face information input confirmation step of step S176, the individual financial transaction relay server 100 checks whether the input face information matches the pre-registered face information, the pre-registered face information matching step; In step S180, if the face information input in step S178 matches the face information 124a stored in the database 120, the individual financial transaction relay server 100 performs the online banking system 300 or the e-commerce system 400 without authentication. ) accessing the unauthenticated access step of relaying financial transactions; It is a financial transaction relay processing method having a multi-safe lock function, characterized in that consisting of.

In addition, the present invention provides a financial transaction relay system (2) comprising: a financial transaction connection step in which the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4 in step S150; a member registration step of joining as a member after the financial transaction access step of S150 in step S152; In step S154, after the membership registration step in step S152, the affiliated store terminal 200 acquires face information through the face recognizer 210a, and transmits the face information to the individual financial transaction relay server 100 through the communication network 4 When transmitted, the individual financial transaction relay server 100 registers face information corresponding to the affiliated store terminal 200, and at this time, the individual financial transaction relay server 100 stores the face information 124a in the database 120. Face information acquisition and storage step; In step S158, after the face information acquisition and storage step of step S154, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200. Passbook account (or card) password registration step of the number; In step S160, after the passbook account (or card) number password registration step of step S158, the individual financial transaction relay server 100 selectively matches face authentication, phone number authentication and account (or card) password registration to face Payment member registration step for face authentication to register as a payment member for authentication; In step S162, after the face authentication payment member registration step of step S160, the individual financial transaction relay server 100 inputs the purchase price of the product to the merchant terminal 200 at the merchant when the customer purchases the product, and the customer A bank passbook account and card payment selection screen window providing step for providing a passbook account and a card payment selection screen window; In step S164, after the step of providing a screen for selecting a bank passbook account and card payment in step S162, the individual financial transaction relay server 100 includes a bank passbook account payment selection step in which the customer selects to pay with a bank passbook account; In step S182, after the card selection step in step S164, the individual financial transaction relay server 100 provides a card payment terminal that can use the card and guides the card payment terminal providing guidance step; In step S184, after the card terminal providing guidance step of step S182, the individual financial transaction relay server 100 includes a card input confirmation step of confirming whether the customer has inserted a card; In step S186, after the account receipt confirmation step of step S184, the individual financial transaction relay server 100 provides a payment amount confirmation screen providing step for providing a screen for confirming the payment amount to the customer; In step S188, after the step of providing the payment amount confirmation screen of step S186, the individual financial transaction relay server 100 includes: a card payment confirmation step of confirming whether the customer paid using a card; In step S174, after the card payment confirmation step in step S188, the individual financial transaction relay server 100 is a face information authentication confirmation step of confirming whether to authenticate with face information; In step S176, after the face information authentication confirmation step of step S174, the individual financial transaction relay server 100 includes a face information input confirmation step of confirming whether the customer has inputted face information through the face recognizer of the customer terminal; In step S178, after the face information input confirmation step of step S176, the individual financial transaction relay server 100 checks whether the input face information matches the pre-registered face information, the pre-registered face information matching step; In step S180, if the face information input in step S178 matches the face information 124a stored in the database 120, the individual financial transaction relay server 100 performs the online banking system 300 or the e-commerce system 400 without authentication. ) and relaying financial transactions by connecting to an unauthenticated financial transaction relaying step; It is a financial transaction relay processing method having a multi-safe lock function, characterized in that consisting of.

In addition, the present invention provides a financial transaction relay system (2) comprising: a financial transaction connection step in which the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4 in step S250; a member registration step of joining as a member after the financial transaction access step of S250 in step S252; After the member registration step of step S252 in step S254, the affiliated store terminal 200 acquires fingerprint/finger vein information through the fingerprint/finger vein recognizer 210, and provides fingerprint/finger vein information through the communication network 4 When transmitted to the individual financial transaction relay server 100, the individual financial transaction relay server 100 registers fingerprint / finger vein information in response to the affiliated store terminal 200, and at this time, the individual financial transaction relay server 100 stores the database Fingerprint / finger vein information acquisition and storage step of storing the fingerprint / finger vein information 124 in (120); After the fingerprint / finger vein information acquisition and storage step of step S254 in step S258, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200 ( or card) password registration step of the number; After the password registration step of the passbook account (or card) number in step S258 in step S260, the individual financial transaction relay server 100 selectively performs fingerprint/finger vein authentication, phone number authentication and account (or card) password registration. Payment member registration step for fingerprint / finger vein authentication by matching and registering as a payment member for fingerprint / finger vein authentication; In step S262, after the payment member registration step for fingerprint / finger vein authentication in step S260, the individual financial transaction relay server 100 inputs the purchase price of the product to the affiliated store terminal 200 at the affiliate store when the customer purchases the goods, A bank passbook account and card payment selection screen window providing step in which the customer provides a bank passbook account and card payment selection screen; In step S264, after the step of providing a screen for selecting a bank passbook account and card payment in step S262, the individual financial transaction relay server 100 includes a bank passbook account payment selection step in which the customer selects to pay with a bank passbook account; In step S266, after the bank passbook account selection step in step S264, the individual financial transaction relay server 100 provides a bank selection screen providing a bank selection screen to the terminal to select a bank; In step S268, after the bank selection screen providing step in step S266, the individual financial transaction relay server 100 checks whether the bank (and account) is selected whether the customer has selected the bank (and account); In step S270, after the bank (and account) selection confirmation step of step S268, the individual financial transaction relay server 100 provides a payment amount confirmation screen providing step for providing a screen for confirming the payment amount to the customer; In step S272, after providing the payment amount confirmation screen of step S270, the individual financial transaction relay server 100 checks whether the customer has paid using the passbook account; After the payment confirmation step of step S272 in step S274, the individual financial transaction relay server 100 is a fingerprint / finger vein information verification step of confirming whether to authenticate with the fingerprint / finger vein information; After the fingerprint / finger vein information authentication step of step S274 in step S276, the individual financial transaction relay server 100 checks whether the customer has inputted fingerprint / finger vein information by the fingerprint / finger vein recognizer of the customer terminal. Fingerprint / finger vein information input confirmation step; After the fingerprint / finger vein information input confirmation step of step S276 in step S278, the individual financial transaction relay server 100 checks whether the input fingerprint / finger vein information matches the pre-registered fingerprint / finger vein information Checking whether the registered fingerprint / finger vein information match; In step S280, if the fingerprint / finger vein information input in step S278 matches the fingerprint / finger vein information 124 stored in the database 120, the individual financial transaction relay server 100 is authenticated by the online banking system 300 or an unauthenticated connection step of relaying financial transactions by accessing the electronic commerce system 400; It is a financial transaction relay processing method having a multi-safe lock function, characterized in that consisting of.

In addition, the financial transaction relay system 2 of the present invention includes a financial transaction connection step in which the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4 in step S250; a member registration step of joining as a member after the financial transaction access step of S250 in step S252; After the member registration step of step S252 in step S254, the affiliated store terminal 200 acquires fingerprint/finger vein information through the fingerprint/finger vein recognizer 210, and provides fingerprint/finger vein information through the communication network 4 When transmitted to the individual financial transaction relay server 100, the individual financial transaction relay server 100 registers fingerprint / finger vein information in response to the affiliated store terminal 200, and at this time, the individual financial transaction relay server 100 stores the database Fingerprint / finger vein information acquisition and storage step of storing the fingerprint / finger vein information 124 in (120); After the fingerprint / finger vein information acquisition and storage step of step S254 in step S258, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200 ( or card) password registration step of the number; After the password registration step of the passbook account (or card) number in step S258 in step S260, the individual financial transaction relay server 100 selectively performs fingerprint/finger vein authentication, phone number authentication and account (or card) password registration. Payment member registration step for fingerprint / finger vein authentication by matching and registering as a payment member for fingerprint / finger vein authentication; In step S262, after the payment member registration step for fingerprint / finger vein authentication in step S260, the individual financial transaction relay server 100 inputs the purchase price of the product to the affiliated store terminal 200 at the affiliate store when the customer purchases the goods, A bank passbook account and card payment selection screen window providing step in which the customer provides a bank passbook account and card payment selection screen; In step S264, after the step of providing a screen for selecting a bank passbook account and card payment in step S262, the individual financial transaction relay server 100 includes a bank passbook account payment selection step in which the customer selects to pay with a bank passbook account; In step S282, after the card selection step in step S264, the individual financial transaction relay server 100 provides a card payment terminal that can use a card and guides the card payment terminal providing guide step; In step S284, after the card terminal providing guidance step of step S282, the individual financial transaction relay server 100 includes a card input confirmation step of confirming whether the customer has inserted a card; In step S286, after the account receipt confirmation step of step S284, the individual financial transaction relay server 100 provides a payment amount confirmation screen providing step of providing a screen for confirming the payment amount to the customer; In step S288, after the step of providing the payment amount confirmation screen of step S286, the individual financial transaction relay server 100 includes a card payment confirmation step of confirming whether the customer paid using a card; In step S274, after the card payment confirmation step in step S288, the individual financial transaction relay server 100 checks whether or not to authenticate with fingerprint/finger vein information verification step; After the fingerprint / finger vein information authentication step of step S274 in step S276, the individual financial transaction relay server 100 checks whether the customer has inputted fingerprint / finger vein information by the fingerprint / finger vein recognizer of the customer terminal. Fingerprint / finger vein information input confirmation step; After the fingerprint / finger vein information input confirmation step of step S276 in step S278, the individual financial transaction relay server 100 checks whether the input fingerprint / finger vein information matches the pre-registered fingerprint / finger vein information Checking whether the registered fingerprint / finger vein information match; In step S280, if the fingerprint / finger vein information input in step S278 matches the fingerprint / finger vein information 124 stored in the database 120, the individual financial transaction relay server 100 is authenticated by the online banking system 300 or an unauthenticated financial transaction relay step of relaying financial transactions by accessing the electronic commerce system 400; It is a financial transaction relay processing method having a multi-safe lock function, characterized in that consisting of.

And, in the present invention, after the face information acquisition and storage step of step S154 in step S156, the individual financial transaction relay server 100 uses a phone number to authenticate the person through the affiliated store terminal 200 using the phone number. It is a financial transaction relay processing method having a multi-safe locking function, characterized in that it further comprises a self-authentication step.

And, in the present invention, the face information is iris information, and the iris information is a financial transaction relay processing method having a multi-safe lock function, characterized in that it is converted into digital information processed as binary data.

As described above, the present invention blocks the spread of viruses such as corona by adopting a non-face-to-face processing method at the time of financial payment, as described above, and reduces the amount of data by processing face images or iris images (or fingerprints/finger veins) as binary data. It not only improves speed, but also has the effect of reducing the false recognition rate by changing the pattern and path of the iris.

As described above, the present invention matches atomic/quantum random numbers that can be derived from such an atomic/quantum random number generation chipset with authentication numbers of various devices, passwords for passbooks, or biometric information algorithms of fingerprint/finger veins/face information/iris information Therefore, in the case of security and hacking prevention, a password matching random atomic/quantum random number biometric information is effective as a hacking prevention technology that no one can crack.

1 is a diagram of a first embodiment showing a block diagram of an entire system applied to the prior art.
2 is a flowchart illustrating a payment method using a POS (Point Of Sale) terminal according to the related art of FIG. 1;
3 is a perspective view schematically showing the configuration of an integrated payment device using the POS terminal of the related art of FIG. 1
4 is a perspective view schematically showing the configuration of a second embodiment of an integrated payment device using a POS terminal according to the present invention;
Figure 5 (a) (b) is a block diagram showing the network configuration (face / iris, fingerprint / finger veins) of the financial transaction relay system according to the present invention
Figure 6 (a) (b) is a block diagram showing the configuration (face / iris, fingerprint / finger veins) of the personal financial transaction relay server shown in Figure 5 (a) (b)
7(a)(b) is a flowchart illustrating a procedure for relaying an unauthenticated financial transaction using the multi-safety lock function of the financial transaction relay system according to the present invention.
8 is a bank classification table divided into banks.
9 is a block diagram illustrating an iris recognition apparatus using a short-distance iris photographing camera according to an embodiment of the conventional iris invention applied to the present invention.
10 is a flowchart illustrating a method for recognizing an iris using a short-distance iris photographing camera according to an embodiment of the related art invention of the iris applied to the present invention;
11 is a view for explaining a method of normalizing to binary data in an iris recognition method using a short-distance iris photographing camera according to an embodiment of the conventional invention of the iris applied to the present invention;
12 is an explanatory view of the muscle structure of the eye of the conventional facial invention applied to the present invention;
13 is a simplified configuration of a face image of a conventional face invention applied to the present invention;
14 is a diagram showing an example of an internal electronic configuration of an authentication device matching an atomic random number according to the present invention;
15 is a block diagram showing a conversion device for matching an atomic random number with face/iris information according to the present invention.
16 is a flowchart illustrating a procedure for relaying an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system combined with an atomic/quantum random number according to the present invention.
17 is a diagram showing an example of an internal electronic configuration of an authentication device that matches an atomic random number with fingerprint/finger vein information of the present invention
18 is a block diagram showing a conversion device in which atomic random numbers match fingerprint/finger vein information according to the present invention;
19(a)(b) is a flowchart illustrating a procedure for relaying an unauthenticated financial transaction using the multi-safety lock function of a financial transaction relay system that combines atomic/quantum random number with fingerprint/finger vein information according to the present invention
20 is a view showing the image of the fingerprint and finger veins for two fingers of the present invention separately.
21 is a view showing an input/output integrated module that interlocks an algorithm of a fingerprint and a finger vein.
22 is a flowchart for requesting registration of fingerprints and finger veins.
23 is a flowchart for requesting authentication of fingerprints and finger veins.
24 is a flowchart for requesting deletion of fingerprints and finger veins.
25 is an exemplary configuration diagram of a fingerprint or/and finger vein photographing authentication device according to an embodiment applied in the present invention;
26 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and the digital processing circuit of the first conventional fingerprint invention applied to the present invention are applied.
27 is a block diagram showing the configuration of a single-chip fingerprint recognition device according to the second conventional fingerprint invention applied to the present invention.
28 is a block diagram showing a single-chip implementation of the fingerprint recognition device according to the second invention of the conventional fingerprint applied to the present invention.
29 is an exemplary diagram comparing fingerprint recognition using a specific point of a fingerprint according to the conventional third fingerprint invention applied to the present invention;
30 is a flowchart illustrating the operation process of the biometric security device according to an embodiment of the prior art finger vein invention applied to the present invention,
31 is a view for explaining the setting of the reference point of the effective site during the capillary imaging of the prior art finger vein invention applied to the present invention,
32 is a diagram illustrating the image segmentation and binarization process of the preprocessor of the conventional finger vein invention applied to the present invention.
33 is an external view of a finger vein pattern input device according to an embodiment of the prior art applied to the present invention.
34 is a cross-sectional view of FIG. 33 applied to the present invention.

Hereinafter, an embodiment of an iris recognition method using a camera for short-distance iris photographing of a smartphone according to the present invention will be described with reference to the accompanying drawings. In this process, the thickness of the lines or the size of the components shown in the drawings may be exaggerated for clarity and convenience of explanation. In addition, the terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, definitions of these terms should be made based on the content throughout this specification.

Hereinafter, an embodiment of the present invention will be described in detail with reference to FIGS. 5(a)(b) to 7(a)(b).

Figure 5 (a) (b) is a block diagram showing the network configuration (face / iris, fingerprint / finger vein) of the financial transaction relay system according to the present invention, Figure 6 (a) (b) is Figure 5 (a) ) It is a block diagram showing the configuration (face/iris, fingerprint/finger vein) of the personal financial transaction relay server shown in (b).

Referring to the drawings, the financial transaction relay system 2 of the present invention relays banking transactions and e-commerce transactions using a multi-safety lock function including face recognition in an unauthorized access method.

To this end, the financial transaction relay system 2 of the present invention registers as a member through facial recognition, account password authentication, and phone number authentication in the individual financial transaction relay server 100, and the affiliated store terminal 200 and the online banking system 300 ) and the e-commerce systems 400, when performing a financial transaction, process so that an unauthenticated connection is made through face authentication.

The financial transaction relay system 2 of the present invention includes the communication networks 4 and 6, the affiliated store terminal 200, the online banking system 300, the e-commerce system 400, and the individual financial transaction relay server 100. include

The communication networks 4 and 6 are, for example, wired and wireless communication networks, mobile communication networks, etc., and include the affiliated store terminal 200, the online banking system 300, individual financial transaction relay servers 100, and the affiliated store terminal 200 and e-commerce. It is provided as a single or complex communication network that is connected so that data communication is made between the system 400 and the individual financial transaction relay servers 100 .

The affiliated store terminal 200 is, for example, of the same type as a POS machine, and connects to the individual financial transaction relay server 100 through the communication network 4 . The affiliated store terminal 200 accesses the individual financial transaction relay server 100 using a web browser, and performs financial transactions with the online banking system 300 and the e-commerce system 400 through the individual financial transaction relay server 100 . carry out

The affiliated store terminal 200 includes a face recognizer 210a for acquiring face information. The affiliated store terminal 200 provides the face information obtained from the face recognizer 210a to the individual financial transaction relay server 100 through the communication network 4 .

Here, the iris recognizer may be applied by replacing the face recognizer 210a, and the iris recognizer technology will be described in detail with reference to FIGS. 9 to 11 .

In addition, the face (iris) recognizer 210a of FIG. 5(a) is a diagram replacing the fingerprint (finger vein) recognizer 210 of FIG. 5(b) (hereinafter, the description is the same)

The affiliated store terminal 200 accesses the individual financial transaction relay server 100 through the communication network 4 and registers as a member. At this time, the affiliated store terminal 200 registers face information and phone number with the individual financial transaction relay server 100 , and registers the account password registered in the online banking system 300 to the individual financial transaction relay server 100 . .

When registering as a member, the affiliated store terminal 200 is authenticated multiple times by using face information, phone number, and account password to the individual financial transaction relay server 100 .

In addition, the affiliated store terminal 200 provides face information to the individual financial transaction relay server 100 for financial transactions with the online banking system 300 and the electronic commerce system 400 .

The online banking system 300 is provided in the affiliated bank to process online banking transactions, for example, financial transactions such as deposits and withdrawals and transfers. In the online banking system 300 , the affiliated store terminal 200 is connected without authentication through the individual financial transaction relay server 100 during a financial transaction.

The e-commerce system 400 is, for example, an online shopping mall system such as a department store or discount store, a passenger transportation reservation system such as an airline or railroad, an accommodation reservation system such as a condominium and a hotel, and a cultural performance reservation system such as a movie, a play, a concert, etc. , a leisure reservation system, etc., when using an e-commerce transaction through the individual financial transaction relay server 100, the affiliated store terminal 200 is connected without authentication.

In addition, the individual financial transaction relay server 100 registers as a member through the multi-safe lock module 110 when the affiliated store terminal 200 registers as a member, and provides financial services with the online banking system 300 and the e-commerce system 400 . During transaction, face information is received from the affiliated store terminal 200 and authentication is processed, and when financial transactions and e-commerce transactions are performed with the online banking system 300 and the e-commerce system 400, the financial transaction is performed through face authentication through face authentication. do. This personal financial transaction relay server 100 builds a personal portal site for individual financial transactions.

Specifically, as shown in FIG. 6 , the individual financial transaction relay server 100 includes a control unit 102 , a communication unit 104 , a multi-safety lock module 110 , and a database 120 . Although not shown in the figure, the individual financial transaction relay server 100 includes components of a typical computer system, for example, a central processing unit, a memory device, an input/output device, and a storage device.

The control unit 102 controls and processes the overall operation of the individual financial transaction relay server 100 . The control unit 102 may include, for example, not only hardware such as a central processing unit, a memory, or a web server, but also software such as an operating system program and a control program. The control unit 102 receives face information from the affiliated store terminal 200 when the affiliated store terminal 200 performs financial transactions and electronic commerce with the online banking system 300 and the electronic commerce system 400, and receives the face information from the online banking system 300 . and processing the multi-security lock module 110 to establish an unauthorized connection to the e-commerce system 400 .

The communication unit 104 connects the affiliate store terminal 200, the online banking system 300, and the e-commerce system 400 through the communication networks 4 and 6, so that financial transactions and e-commerce transactions are performed through an unauthenticated connection to the affiliate store terminal ( 200) and the individual financial transaction relay server 100 are connected.

The multi-safe lock module 110 is provided as, for example, middleware, and has a personal authentication function of the affiliated store terminal 200 and a firewall function for blocking hacking.

In this embodiment, the multi-safe lock module 110 receives the face information from the affiliated store terminal 200 and compares it with the face information previously registered in the database 120, the face recognition processing unit 112a, and the online banking system 300 ) includes an account password processing unit 114 for registering the account password of the affiliated store terminal 200 registered in the store, and a phone number authentication processing unit 116 for authenticating using the phone number of the customer terminal 200 .

In addition, the face (iris) recognition processing unit 112a of FIG. 6(a) is a diagram replacing the fingerprint (finger vein) recognition processing unit 210 of FIG. 6(b) (hereinafter, the description is the same)

The account password processing unit 114 for registering the account password may be a card password processing unit 114 for registering the card password.

In addition, the database 120 stores various information according to the processing process of the multi-safety lock module 110 under the control of the controller 102 . In this embodiment, the database 120 is provided inside the individual financial transaction relay server 100, but may be provided as a separate database server.

Specifically, the database 120 stores member information 122 , face (iris) information 124a and financial information 126 .

In addition, the face (iris) information 112a of FIG. 6(a) is a diagram replacing the fingerprint (finger vein) information 210 of FIG. 6(b) (hereinafter, the description is the same)

The member information 122 is information input when each of the affiliated store terminals 200 register as a member of the individual financial transaction relay server 100, that is, user information of the affiliated store terminals 200, for example, name, ID ( ID), password, phone number, email address, etc.

The member information 122 is matched with the face (iris) information 124a and the financial information 126 .

The face information 124a receives and stores the face information obtained from the face recognizer 210a of the affiliated store terminal 200 when the user of the affiliated store terminal 200 registers as a member of the individual financial transaction relay server 100 .

In addition, the financial information 126 stores the password of the passbook account (or card) registered in the online banking system 300 of the affiliated store terminal 200 .

And Figure 7 (a) (b) is a flowchart illustrating a procedure of relay processing an unauthenticated financial transaction using the multi-safe lock function of the financial transaction relay system according to the present invention.

This procedure is a program processed by the individual financial transaction relay server 100 , and this program is stored in a storage device (not shown) of the financial transaction relay server 100 .

This program enables financial transactions and e-commerce transactions through the communication networks 4 and 6 through an unauthenticated connection between the affiliated store terminal 200, the online banking system 300, the e-commerce system 400, and the individual financial transaction relay servers 100. are processed in conjunction with each other to make it happen.

7 (a) (b), in the financial transaction relay system 2 of the present invention, the affiliated store terminal 200 accesses the individual financial transaction relay server 100 through the communication network 4 in step S150, Join as a member in step S152. At this time, the affiliated store terminal 200 inputs member information such as name, ID, password, phone number, and e-mail address.

In this case, it is preferable to operate only the customer terminal of the bank itself in the member registration step for customer security management.

In step S154, when the affiliated store terminal 200 acquires face information through the face recognizer 210 and transmits the face information to the individual financial transaction relay server 100 through the communication network 4, the individual financial transaction relay server 100 ) registers face information corresponding to the affiliated store terminal 200 . At this time, the individual financial transaction relay server 100 stores the face information 124 in the database 120 .

In step S156, the individual financial transaction relay server 100 authenticates the person through the affiliated store terminal 200 using the phone number.

In addition, a resident registration number or password can be substituted for a phone number.

In step S158, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200 . The registered account (or card) password is stored in the financial information 126 of the database 120 .

In step S160, the individual financial transaction relay server 100 registers as a payment member for face authentication by selectively matching face authentication, phone number authentication, and account (or card) password registration.

In step S162, after the face authentication payment member registration step of step S160, the individual financial transaction relay server 100 inputs the purchase price of the product to the merchant terminal 200 at the merchant when the customer purchases the product, and the customer It provides a screen for selecting a bank account and credit card payment.

In step S164, after the step of providing the bank passbook account and card payment selection screen of step S162, the individual financial transaction relay server 100 selects that the customer pays with the bank passbook account.

In step S166, after the bank passbook account selection step in step S164, the individual financial transaction relay server 100 provides a bank selection screen to the terminal to select a bank.

In step S168, after the bank selection screen providing step in step S166, the individual financial transaction relay server 100 checks whether the customer has selected a bank (and an account).

After the bank (and account) selection confirmation step of step S168 in step S170, the individual financial transaction relay server 100 provides a screen for confirming the payment amount to the customer.

In step S172, after the step of providing the payment amount confirmation screen of step S170, the individual financial transaction relay server 100 checks whether the customer paid using the passbook account.

In step S174, after the payment confirmation step in step S172, the individual financial transaction relay server 100 checks whether to authenticate with face information.

In this case, after recognition by input of face information, it is possible to have a procedure to re-authenticate the iris information, so that security or prevention of hacking can be ensured.

In step S176, after the step of verifying whether the face information is authenticated in step S174, the individual financial transaction relay server 100 checks whether the customer has inputted face information through the face recognizer of the customer terminal.

In step S178, after the face information input confirmation step of step S176, the individual financial transaction relay server 100 checks whether the input face information matches the pre-registered face information.

Therefore, in a state in which the password according to the bank passbook (or card) and the face information (or iris information) are matched, the final payment is made based on the face information (or iris information).

In step S180, if the face information input in step S178 matches the face information 124 stored in the database 120, the individual financial transaction relay server 100 performs the online banking system 300 or the e-commerce system 400 without authentication. ) to relay financial transactions.

Hereinafter, a procedure for making a card payment will be described.

The process of registering a customer as a member is the same as described above.

In step S164, after the step of providing the bank passbook account and card payment selection screen in step S162, the individual financial transaction relay server 100 selects that the customer pays by card.

In step S182, after the card selection step in step S164, the individual financial transaction relay server 100 provides a card payment terminal that can use the card and guides it to be used.

In step S184, after the card terminal providing guidance step in step S182, the individual financial transaction relay server 100 checks whether the customer has inserted the card.

In step S186, after the step S184, the individual financial transaction relay server 100 provides a screen for confirming the payment amount to the customer.

In step S188, after the step of providing the payment amount confirmation screen of step S186, the individual financial transaction relay server 100 checks whether the customer has paid using a card.

In step S174, after the card payment confirmation step in step S188, the individual financial transaction relay server 100 checks whether to authenticate with face information.

In step S176, after the step of verifying whether the face information is authenticated in step S174, the individual financial transaction relay server 100 checks whether the customer has inputted face information through the face recognizer of the customer terminal.

In step S178, after the face information input confirmation step of step S176, the individual financial transaction relay server 100 checks whether the input face information matches the pre-registered face information.

In step S180, if the face information input in step S178 matches the face information 124 stored in the database 120, the individual financial transaction relay server 100 is authenticated by the online banking system 300 or the e-commerce system 400 without authentication. ) to relay financial transactions.

8 is a bank classification table divided into banks.

As shown in FIG. 8, the bank classification table includes a bank classification table 1300, a first financial sector bank 1301, a second financial sector bank 1302, a credit card 1303, a securities company 1304, and an insurance company 1305. ) and e-commerce 1306, and at the time of registration, select and register one's own bank.

In other words, as the payment method, call a banknote and choose the first financial institution bank, and if you want to choose Shinhan Bank among them, you can make the payment through your desired passbook. It is to select so that payment can be made by the card.

Next, an iris algorithm applied to the conversion device of the present invention will be described.

9 is a block diagram showing an iris recognition apparatus using a short-distance iris photographing camera according to an embodiment of the conventional iris invention applied to the present invention, and FIG. 10 is a conventional iris recognition apparatus applied to the present invention according to an embodiment of the present invention It is a flowchart for explaining an iris recognition method using a short-distance iris photographing camera, and FIG. 11 is a method of normalizing to binary data in an iris recognition method using a short-distance iris photographing camera according to an embodiment of the conventional iris photographing applied to the present invention. It is a drawing for explaining.

As shown in FIG. 9 , the iris recognition apparatus using a short-distance iris photographing camera of a smartphone according to an embodiment of the present invention includes an iris photographing camera 1, a key input unit 2, a storage unit 4, and a control unit 3 ), an output unit 5 and a display lamp 300 .

This is a diagram for explaining a method of normalizing to binary data in an iris recognition method using a short-distance iris photographing camera.

As shown in Korean Patent Application Laid-Open No. 10-214-0133762, the camera 1 for photographing the iris installs a prism 200 having an inclined surface and a concave-convex portion formed on the upper guide of the illumination IR LED 20 to improve the brightness uniformity around the iris. By improving the iris recognition, it is possible to block static electricity from being transmitted to the internal device through the illumination IR LED 20, so that it can be formed in a compact size.

The key input unit 2 selects whether to register the iris or to recognize the iris through the iris recognition device. The storage unit 4 stores a program for registering and recognizing an iris and iris data for an iris image recognized during registration.

The output unit 5 outputs the result of iris recognition by the control unit 3 so that a peripheral device (not shown) can provide various services according to the iris recognition result. The control unit 3 operates the iris photographing camera 1 according to the selection of the key input unit 2 to photograph the iris according to the brightness of the light. The iris data is generated by normalizing it to binary data, and the iris data for the iris image is stored and registered, or iris data and iris recognition are performed on the iris image stored in the storage unit 4 .

The iris information is fused with other signals to be used as a means of preventing hacking.

Then, the display lamp 300 is turned on so that the user can recognize that the iris is being recognized by the control unit 3 operating the iris imaging camera 1 . In this case, the display lamp 300 may subdivide and display the progress through various colors.

As shown in FIG. 10 , in the iris recognition method using a short-distance iris photographing camera of a smartphone according to an embodiment of the present invention, when the control unit 3 selects iris recognition in the key input unit 2 (S10), the iris photographing camera Operate (1) to photograph the iris according to the brightness of the light (S22).

At this time, the operating state of the iris photographing camera 1 is displayed through the display lamp 300 so that the user can recognize that it is being operated. Even if the iris of a person is the same, as shown in the drawing, the size of the pupil changes according to the brightness of the light, and the iris pattern also changes.

In the prior art, an iris image is acquired while maintaining characteristics that change according to individual characteristics by photographing the iris while varying the brightness of the lighting. As described above, it is determined whether there is a change in the size of the pupil after the iris is photographed according to the brightness of the light (S24).

At this time, if there is no change in the size of the pupil, it cannot be determined as a living person, so the subsequent process is omitted and the process is terminated. When a live human eye is photographed, one iris image is acquired for iris recognition among the iris images that change as the size of the pupil changes (S26).

As shown in FIG. 11 for one acquired iris image, iris data is generated by normalizing each pixel of the photographed iris image to binary data (S28).

That is, the amount of data can be reduced by normalizing the iris data to binary data indicating the presence or absence of a pattern regardless of the depth of the iris pattern. Accordingly, the processing speed can be improved to improve the recognition speed, and it can be processed through a low-spec system, so that the miniaturization and portability can be increased, and the influence of day and night and lighting can be minimized.

The iris data generated in this way is compared with iris data for a plurality of iris images obtained by photographing the iris according to the brightness of the light stored in the storage 4 to compare whether they match (S30). Then, the comparison result is output through the output unit 5 so that a peripheral device (not shown) can provide various services through the recognition result of the iris (S32).

On the other hand, when the iris registration is selected in the key input unit 2 by the control unit 3 (S10), the iris photographing camera 1 is operated to photograph the iris according to the brightness of the light (S12). At this time, the operating state of the iris photographing camera 1 is displayed through the display lamp 300 so that the user can recognize that it is being operated.

Even if the iris of a person is the same, the size of the pupil changes according to the brightness of the light and the pattern of the iris also changes. In the prior art, an iris image is acquired while maintaining characteristics that change according to individual characteristics by photographing the iris while varying the brightness of the lighting.

As described above, it is determined whether there is a change in the size of the pupil after the iris is photographed according to the brightness of the light (S14). At this time, if there is no change in the size of the pupil, it cannot be determined as a living person, so the subsequent process is omitted and the process is terminated.

When a live human eye is photographed, as the size of the pupil changes, a plurality of iris images are acquired for iris registration among the iris images that change in this way (S16). As shown in FIG. 12 for the plurality of acquired iris images, iris data for the plurality of iris images are generated by normalizing each pixel of the photographed iris image to binary data (S18). That is, the amount of data can be reduced by normalizing the iris data to binary data indicating the presence or absence of a pattern regardless of the depth of the iris pattern.

Accordingly, it is composed of binary data that is divided into each pixel, and these data and a conversion device are fused to generate a new signal.

Registration is performed by storing the iris data for the generated plurality of iris images in the storage unit 4 (S20). As described above, according to the iris recognition method using the short-distance iris photographing camera of the smartphone according to the present invention, the amount of data is obtained by processing the iris image captured by the smartphone's short-distance iris photographing camera as binary data according to the iris pattern of each pixel. In addition to improving the recognition speed by reducing The recognition rate can be increased regardless of the depth of the pattern.

Therefore, according to the present invention, the method includes the steps of: replying a predetermined authentication number from the called party's exchange of the personal financial relay transaction server; One iris image is divided into each pixel, and each pixel converts the iris information by binary data output as a digital electrical signal according to the presence or absence of an iris pattern according to a conversion logic based on a predetermined authentication number returned to the conversion device. converting an arrangement of DTMF signals and transmitting them to a receiving device; According to the conversion logic based on the authentication number used for converting the converted DTMF signal to the DTMF signal, the receiving device restores the converted DTMF signal to an array of DTMF signals sent by the user. , overlapping technical descriptions are omitted.

The following describes the application of the binary system to a face image that can be determined by face information (or iris information) applied to the conversion device.

12 is an explanatory view of the muscle structure of the eye of the conventional invention applied to the present invention, and FIG. 13 is a simplified configuration diagram of a face image of the conventional invention applied to the present invention, showing each position and distance measurement method it is do

Also in such face recognition, as shown in Korean Patent Publication No. 10-1174103, it is a simplified configuration diagram of an input face image of the prior invention according to an embodiment of the prior invention, and measurement of each position and distance is the key.

The eye and peripheral muscle information detection step applied to the prior invention is the muscle structure of the eye, such as the anterior muscle, the corrugator muscle, the levator levator muscle, the periorbital muscle, and the lower brow muscle, and determines the positions of the eye muscles (eyebrows, eyelids, brows, and eyes). A pre-processing method to detect the distance between the nose, the distance between the eyes and the mouth, and the angle between the nose and the mouth around the eyes) and create it as basic information to be used as registration or comparison data, and to preserve the detailed features in the face image will be implemented

After that, the conventional invention undergoes pre-processing and feature extraction steps of normalizing the face image according to the eye position and surrounding details, removing and statistically correcting the external illuminance component from the normalized face image, and extracting features from the pre-processed face image.

At this time, the pre-processing and feature extraction steps applied to the present invention are to compensate for changes in external conditions of luminance, posture, and facial expression, and luminance correction uses local localization normalization and local histogram smoothing.

In addition, it consists of binary data determined by dividing each pixel according to normalization of the face image according to the eye position and the feature points of the surrounding detailed information, and these data and a conversion device are fused to generate a new signal.

The face recognition method of mathematical pattern analysis based on the upper musculoskeletal structure includes a face image input step in which an image input by a camera (USB includes CCD) or a video file or image file image is input, and whether or not there is a face in the input image. The face detection step of determining the position of the face, detecting the face from the detected object (object), determining the basic outline, and automatically finding the position of the face, and automatically finding the position of the eyes in the detected face area In the face image normalization and removal and statistical correction of external illuminance components from the normalized face image, and in the face image normalization by eye position and peripheral details, and in the preprocessed face image, It consists of a preprocessing for extracting features and a feature extraction step.

Here, the face information consists of binary data determined according to face image normalization according to eye position and surrounding detailed information, and can be used in a conversion device.

Therefore, in the present invention, through the step of replying a predetermined authentication number from the receiver's exchange of the personal financial relay transaction server, each face image is normalized according to the eye position and the feature points of the surrounding detailed information for one face image. According to a conversion logic based on a predetermined authentication number returned to the face information (or iris information) by binary data divided into pixels and output as a digital electrical signal, the conversion device converts the arrangement of the DTMF signal to the receiving device sending to; According to the conversion logic based on the authentication number used for converting the converted DTMF signal to the DTMF signal, the receiving device restores the converted DTMF signal to an array of DTMF signals sent by the user. , overlapping technical descriptions are omitted.

Next, a conversion device for combining face information or iris information with an atomic/quantum random number will be described.

14 is a diagram showing an example of an internal electronic configuration of an authentication device for matching an atomic random number according to the present invention, and FIG. 15 is a block diagram showing a conversion device for matching an atomic random number with face/iris information according to the present invention.

14, the integrated photographic authentication device includes an infrared light source unit 1240, an iris image sensor 1230a, a face image sensor 1220a, a digital conversion unit 1290, a decryption algorithm unit 1260, a fingerprint or password, It consists of various information data storage 1270 for storing password and pattern information, a display unit 1280 for displaying them, an atomic/quantum random number generator 1300 and an encryption/decryption processor 1310, and provides all commands and data. It is formed with a fingerprint / finger vein recognition device interface 1320a that transmits to be encrypted using an encryption code, and a password storage unit 1330 of a bank passbook is formed, which can be used in the login or payment process. A password storage unit 1340 is formed, and a pattern information storage unit 1350 that can be used instead of fingerprint information or password is formed.

In addition, although not shown in the drawing, it may include a power supply unit, a communication unit, and various I/O devices.

As shown in FIG. 15, a block diagram showing a conversion device for matching an atomic random number with face/iris information according to the present invention is a random number 315d generated by the atomic random number generator 900 linked with the overall matching program 340a. The encrypted random number encryption source 316d provided in is converted in the general matching program 340a, and the electronic algorithm source 416 provided in the face/iris algorithm 415a is converted in the general matching program 340a, and these By allowing the matching program 344 to converge, it becomes a basic unit of transmission so that it can be transacted.

Of course, in order to transmit a large amount, it is desirable to create and operate a program of a lump sum payment method.

16 is a flowchart illustrating a procedure for relaying an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system combined with an atomic/quantum random number according to the present invention.

A flowchart illustrating a procedure for relay processing an unauthenticated financial transaction using the multi-safe lock function of the financial transaction relay system according to the present invention as a whole is described in detail in Figs.

In the present invention, atomic/quantum face/iris information that can be executed in addition to any step in the flowchart showing the procedure for relay processing an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system according to the present invention A process of combining and transmitting a random number can be added, and the individual financial transaction relay server 100 determines whether to generate an atomic/quantum random number in the atomic/quantum random number generator of the customer terminal. Whether to generate an atomic/quantum random number step; an atomic/quantum random number matching request step of requesting whether to match an authentication number with an atomic/quantum random number as an encoding step after the atomic/quantum random number generation step; After the atomic/quantum random number matching step, the individual financial transaction relay server 100 enters an authentication number to match the atomic/quantum random number on the customer terminal in the security lock release process related thereto so that the security lock can be released an authentication number input confirmation step to determine whether or not; An authentication number decoding step of allowing the individual financial transaction relay server 100 to decode an authentication number matched with an atomic/quantum random number cryptographic source to restore it to its original state; In addition, the individual financial transaction relay server 100 executes the authentication number decoding step, and then determines whether the input of the registered authentication number on the customer terminal matches the atomic/quantum random number and the decoded authentication number. The step of determining whether the authentication number on the terminal matches may be further included.

The following describes a method for relaying unauthenticated financial transactions using the multi-safe lock function of a financial transaction relay system that uses finger-only information consisting of fingerprint/finger vein information.

17 is a diagram illustrating an internal electronic configuration example of an authentication device that matches an atomic random number with fingerprint/finger vein information of the present invention, and FIG. 18 shows a conversion device that matches an atomic random number with fingerprint/finger vein information 19(a)(b) is a block diagram showing a procedure for relaying unauthenticated financial transactions using the multi-safety lock function of a financial transaction relay system that combines atomic/quantum random numbers with fingerprint/finger vein information according to the present invention is a flowchart showing

Next, a conversion device for combining face information or iris information with an atomic/quantum random number will be described.

17, the integrated photographic authentication device includes an infrared light source unit 1240, a finger vein image sensor 1230, a fingerprint image sensor 1220, a digital conversion unit 1290, a decryption algorithm unit 1260, a fingerprint or password. , password, various information data storage 1270 for storing pattern information, a display unit 1280 for displaying them, an atomic/quantum random number generator 1300 and an encryption/decryption processor 1310, all commands and data is formed as a fingerprint / finger vein recognition device interface 1320 that transmits to be encrypted using an encryption code, and a password storage unit 1330 of a bank passbook is formed, and can be used in the login or payment process A password storage unit 1340 is formed, and a pattern information storage unit 1350 that can be used instead of fingerprint information or password is formed.

In addition, although not shown in the drawing, it may include a power supply unit, a communication unit, and various I/O devices.

As shown in FIG. 18 , a block diagram showing an atomic random number matching device with fingerprint/finger vein information according to the present invention is a random number 315d generated by the atomic random number generator 900 linked with the overall matching program 340a. ), the encrypted random number encryption source 316d provided in the general matching program 340a is converted, and the electronic algorithm source 416 provided in the fingerprint / finger vein algorithm 415 is converted in the general matching program 340a. , these are to be fused by the matching program 344 so that they can be transacted as a basic unit of transmission.

Of course, in order to transmit a large amount, it is desirable to create and operate a program of a lump sum payment method.

19 (a) (b), in the financial transaction relay system 2 of the present invention, in step S250, the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4, Join as a member in step S252. At this time, the affiliated store terminal 200 inputs member information such as name, ID, password, phone number, and e-mail address.

In this case, it is preferable to operate only the customer terminal of the bank itself in the member registration step for customer security management.

In step S254, the affiliated store terminal 200 acquires face information through the fingerprint/finger vein recognizer 210, and transmits the face information to the individual financial transaction relay server 100 through the communication network 4, relaying individual financial transactions The server 100 registers fingerprint / finger vein information in response to the affiliated store terminal 200 . At this time, the individual financial transaction relay server 100 stores the fingerprint / finger vein information 124 in the database 120 .

In step S256, the individual financial transaction relay server 100 authenticates the person through the affiliated store terminal 200 using a phone number.

In addition, a resident registration number or password can be substituted for a phone number.

In step S258, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200 . The registered account (or card) password is stored in the financial information 126 of the database 120 .

In step S260, the individual financial transaction relay server 100 registers as a payment member for fingerprint/finger vein authentication by selectively matching fingerprint/finger vein authentication, phone number authentication, and account (or card) password registration.

In step S262, after the payment member registration step for fingerprint / finger vein authentication in step S260, the individual financial transaction relay server 100 inputs the purchase price of the product to the affiliated store terminal 200 at the affiliate store when the customer purchases the goods, The customer provides a screen for selecting a bank passbook account and card payment.

In step S264, after the step of providing the bank passbook account and card payment selection screen of step S262, the individual financial transaction relay server 100 selects that the customer pays with the bank passbook account.

In step S266, after the bank passbook account selection step in step S264, the individual financial transaction relay server 100 provides a bank selection screen to the terminal to select a bank.

In step S268, after the bank selection screen providing step in step S266, the individual financial transaction relay server 100 checks whether the customer has selected a bank (and an account).

In step S270, after the bank (and account) selection confirmation step of step S268, the individual financial transaction relay server 100 provides a screen for confirming the payment amount to the customer.

In step S272, after the step of providing the payment amount confirmation screen of step S270, the individual financial transaction relay server 100 checks whether the customer paid using the passbook account.

In step S274, after the payment confirmation step of step S272, the individual financial transaction relay server 100 checks whether to authenticate with fingerprint/finger vein information.

At this time, after recognition by input of fingerprint/finger vein information, it is possible to have a procedure to re-authenticate fingerprint/finger vein information, so that security or hacking prevention can be ensured.

In step S276, after the fingerprint / finger vein information authentication step of step S274, the individual financial transaction relay server 100 checks whether the customer has inputted fingerprint / finger vein information by the fingerprint / finger vein recognizer of the customer terminal. .

After the fingerprint / finger vein information input confirmation step of step S276 in step S278, the individual financial transaction relay server 100 checks whether the input fingerprint / finger vein information matches the pre-registered fingerprint / finger vein information .

Therefore, in the state that the password according to the bank passbook (or card) and the fingerprint/finger vein information are matched, the final payment is made by the fingerprint/finger vein information.

In step S280, if the fingerprint / finger vein information input in step S278 matches the fingerprint / finger vein information 124 stored in the database 120, the individual financial transaction relay server 100 is authenticated by the online banking system 300 Alternatively, the financial transaction is relayed by accessing the electronic commerce system 400 .

Hereinafter, a procedure for making a card payment will be described.

The process of registering a customer as a member is the same as described above.

In step S264, after the step of providing the bank passbook account and card payment selection screen in step S262, the individual financial transaction relay server 100 selects that the customer pays by card.

In step S282, after the card selection step in step S264, the individual financial transaction relay server 100 provides a card payment terminal capable of using a card and guides it to be used.

In step S284, after the card terminal providing guidance step in step S282, the individual financial transaction relay server 100 checks whether the customer has inserted the card.

In step S286, after the step S284 of confirming the receipt of the account, the individual financial transaction relay server 100 provides a screen for confirming the payment amount to the customer.

In step S288, after the step of providing the payment amount confirmation screen in step S186, the individual financial transaction relay server 100 checks whether the customer has paid using a card.

After the card payment confirmation step of step S180 in step S274, the individual financial transaction relay server 100 checks whether to authenticate with fingerprint/finger vein information.

In step S276, after the fingerprint / finger vein information authentication step of step S274, the individual financial transaction relay server 100 checks whether the customer has inputted fingerprint / finger vein information by the fingerprint / finger vein recognizer of the customer terminal. .

After the fingerprint / finger vein information input confirmation step of step S276 in step S278, the individual financial transaction relay server 100 checks whether the input fingerprint / finger vein information matches the pre-registered fingerprint / finger vein information .

In step S280, if the fingerprint / finger vein information input in step S278 matches the fingerprint / finger vein information 124 stored in the database 120, the individual financial transaction relay server 100 is authenticated by the online banking system 300 Alternatively, the financial transaction is relayed by accessing the electronic commerce system 400 .

The following describes each algorithm for processing fingerprint / finger vein information.

As shown in Figs. 20(a) and (b), the angles at which infrared rays are photographed from the inner surface and the side of one finger, respectively.

Unexplained reference numeral 1a denotes the part of the finger vein between the knuckles, 1b denotes the knuckle of the finger, and 1c denotes the fingerprint part.

When taking a front image of a finger object, place the finger so that the fingerprint surface of the finger touches the scan panel and take a picture, and when taking a side image according to the number of finger vein image sensors 230, 231, 232, 233, the finger is left as it is. 90 degrees to the side so that the side touches the scan panel. The shooting order of the fingerprint surface and the side of the finger may be changed.

The digital conversion unit 1290 receives both the finger vein image and the finger fingerprint image and extracts the finger vein image and the finger fingerprint image. By the digital conversion unit 1290, the present invention obtains a finger vein and a finger fingerprint image file for a finger.

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

In addition, the user's biometric information stored in advance is stored in the biometric information data storage 1270 . In an embodiment of the present invention, the biometric data storage 1270 may be built in the internal memory of the authentication device.

In another embodiment of the present invention, the data storage 1270 is located in a storage external to the device and can be accessed through wired or wireless communication.

The biometric data storage 1270 may use a crypto-processor that can be protected from external hardware and software attacks or theft.

The matching algorithm unit 1260 acquires the user's data stored in the biometric information data storage 1270 and determines whether the user's biometric information value is identical to the user's biometric information value obtained by the digital conversion unit 1290 . If they match, a success message may be output through the display unit 1280 . If the decryption fails, an authentication failure message may be output on the display unit 1280 .

The control unit 1210 controls the operation and function of the authentication device.

In particular, it determines the finger vein image acquisition, processing, authentication operation and authentication result. Various software can be used in relation to the processing and calculation of the acquired finger vein image.

For example, a Canny edge detector algorithm can be used. By applying a Gaussian filter, the noise of the original image can be completely removed. Edge the image through Image Gradient. That is, the sketch line of the image is extracted. Apply non-maximum suppression to make edges (sketched lines) thin, apply double threshold to classify dark edges as solid edges, and classify faint edges as noise and classify them as weak edges . And finally, we delete the weak edges, leave only the clear edges, and finally output the edged image of the finger veins.

The integrated module that interlocks the algorithm of fingerprints and finger veins to implement this can be described as follows.

21 is a view showing an input/output integrated module that interlocks an algorithm of a fingerprint and a finger vein, FIG. 22 is a flowchart for requesting registration of a fingerprint and a finger vein, and FIG. 23 is a flowchart for requesting authentication for a fingerprint and a finger vein. , Figure 24 is a flowchart for requesting deletion of fingerprints and finger veins.

As shown in FIG. 21 , the input/output integrated module U1 for linking the algorithm of the fingerprint and the finger vein at the same time is composed of a fingerprint module U2, a finger vein module U3, and a conversion module U4.

First, the fingerprint module U2 will be described.

GND line 1 of the fingerprint module (U2) is a reference of the (-) voltage circuit, and serves as a 0V grounding function, and line RX 2 is a serial data receiving port and functions to control the fingerprint module, and TX 3 The line is a serial data transmission port, which reads the fingerprint module status, and the VCC line 4 serves as a +5V voltage input based on the (+) voltage of the power circuit. The fingerprint is scanned and compared with a pre-stored image, and if there is a person with the same fingerprint image, the registered authentication code of the person is output through serial communication (here, 232 communication is applied as an example).

Here, 232 communication refers to the serial communication standard.

Next, the finger vein module (U3) will be described.

GND line 1 of the finger vein module (U3) is the reference of the (-) voltage, and serves as a 0V grounding function, and line A 2 is a serial communication standard RS485 communication port A, which functions to receive and transmit data, B Line 3 is a serial communication standard RS485 communication port B, which functions to receive and transmit data, and VCC line 4 is to input +5V voltage based on the (+) voltage of the power circuit. After penetrating a finger with an infrared LED, the camera image sensor scans the vein and compares it with the pre-stored vein image. output as

Here, 485 communication refers to the serial communication standard.

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

GND line 1 on the left side of the conversion module (U4) serves as a 0V grounding function as a reference of (-) voltage, and line A 2 is a serial communication standard RS485 communication port A, which functions to receive and transmit data, B Line 3 is a serial communication standard RS485 communication port B, and functions to receive and transmit data, and VCC line 4 is a (+) voltage reference, +5V voltage input function. It receives the 485 communication output from the input and converts it to 232 communication and outputs it.

And, the DI line 5 on the right side of the conversion module (U4) is a serial 232 communication receiving port, which functions to receive data, and the RE 6 line is a 485 communication control port, which controls the transmission/reception status of the 485 communication module. The DE line 7 is a 485 communication control port, which controls the transmission/reception status of the 485 communication module, and the RO 8 line is a serial 232 communication transmission port, which transmits commands. It will be linked with the integrated module (U1).

Next, the fingerprint and finger vein input and USB output integrated module (U1) will be described.

The D1/TX line 1 of the integrated module (U1) is a serial 232 communication transmission port and functions to transmit data to the computer, and the D0/RX line 2 is a serial 232 communication reception port and functions to receive data from the computer. , GND line 4 is the reference of the (-) voltage and functions as a 0V ground, D2 line 5 is the fingerprint module (U2) serial 232 communication transmission line, which transmits commands to the fingerprint module, D3 6 Line No.2 is the serial 232 communication receiving line of the fingerprint module (U2), and has a function to receive the status value of the fingerprint module, and line 11 of D8 is the serial 232 communication transmission port of the 485-232 communication conversion module (U4). It functions to control the Mac module (U3), and D9 line 12 is the 485 communication control port of the 485-232 communication conversion module (U4), and it functions to control the sending/receiving status of the 485 communication module, D10 line 13 is the 485 communication control port of the 485-232 communication conversion module (U4), which controls the sending/receiving status of the 485 communication module, and D11 line 14 is the serial 232 communication receiving port of the 485-232 communication conversion module (U4). As a function to read the status of the finger vein module (U3), 5V line 27 is a positive voltage 5V output PIN, and the fingerprint module (U2), finger vein module (U3), 485 communication conversion module (U4) ), the GND line 29 serves as a reference for the (-) voltage and serves as a grounding function of 0V, and the VIN line No. 30 serves as a reference for the (+) voltage and functions as a +5V voltage input. , the configuration as described above includes a fingerprint authentication code output from the fingerprint module U2 (a unique number of a customer with a registered fingerprint), and a finger vein authentication code output from the finger vein module U3 (of a customer registered with a low vein). unique number) is converted into 232 communication in the conversion module (U4), received from the integrated module (U1), and when the fingerprint and finger vein authentication codes match each other, the corresponding authentication code is outputted to USB.

The fingerprint and finger vein algorithm of the invention in this case can be expressed as follows.

int getfingerauthorization(int fingerprintcode,int fingerveincode)

{

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

{

return fingerprintcode;

}

return 0;

}

The algorithm receives the fingerprint authentication code and the finger vein authentication code from the integrated module (U1), and allows the authentication code only when the fingerprint and the vein authentication code belong to the same person.

Looking at the details in more detail, it is as follows.

The fingerprint module U2 searches for a fingerprint, and if there is a person who matches the corresponding fingerprint, the code number of the person is output.

The finger vein module (U3) searches for a finger vein, and if there is a person matching the corresponding finger vein, the code number of the person is output.

The fingerprint code of the fingerprint module (U2) and the finger vein code of the finger vein module (U3) are input as fingerprintcode and fingerveincode, which are the arguments of the function name getfingerauthorization of the above algorithm, respectively, so that both argument values are valid and also two registrations Only when the customer's unique number matches, the fingerprint and finger vein integration module outputs that person's code.

Otherwise, when the fingerprint code and the finger vein code are invalid or do not match, an error code of 0 is output.

The following describes the procedures for registering, authenticating, and deleting fingerprints and finger veins by the self-storage recognizer or bank.

First, as shown in FIGS. 22 to 24 , as a step of registering a fingerprint and a finger vein, a registration request is made by a fingerprint and a finger vein recognizer (S311).

When there is a registration request from the fingerprint and finger vein recognition device, the fingerprint and finger vein recognition device are first scanned with the finger of the person who wants to be registered (S312).

Next, after the first registration in the fingerprint and finger vein recognizer, a second scan is performed on the fingerprint and finger vein recognition device with the finger of the person to be registered (S313).

Next, after the first registration in the fingerprint and finger vein recognition device, a third scan is performed on the fingerprint and finger vein recognition device with the finger of the person to be registered (S314).

In order to measure the accuracy of these three times of registration in the fingerprint and finger vein recognizers, it is determined whether all three scan images match (S315).

As described above, the registration of the fingerprint and finger vein recognizers three times is restarted if all three scan images do not match, and if they all match, the registration is completed (S316).

By performing this process three times, the correct fingerprint and finger vein images are registered.

The next step is to authenticate the registration of fingerprints and finger veins, and an authentication request is made from the fingerprint and finger vein recognizers (S321).

The fingerprint and finger vein recognition device scans the fingerprint and the finger vein image (S322).

Compare the scanned images of the fingerprint and the finger vein with the finger of a registered person in the fingerprint and finger vein recognizer (S323).

It is determined whether the images scanned by such a fingerprint and finger vein recognizer match (S324).

As described above, if the scanned images of the fingerprint and the finger vein recognizer do not all match, it starts again, and if they all match, the authentication is completed (S325).

The next step is to delete the registration of fingerprints and finger veins, and a deletion request is made from the fingerprint and finger vein recognizers (S331).

Inputs the code of the party to be deleted to the fingerprint and finger vein recognizer (S332).

It is determined whether to delete the image of the code to be registered in the fingerprint and finger vein recognizer (S333).

If the image scanned by the fingerprint and finger vein recognizer is not deleted, it restarts, and if it is deleted, the authentication is completed (S334).

As described above, if the self-storage recognizer of fingerprints and finger veins is operated by registering, authenticating, and deleting at the bank, the recognition level of fingerprints and finger veins is further increased, and the operation thereof is simplified.

Next, the fingerprint and finger vein authentication processing unit 1180 that can be commonly applied to a smart phone and a mouse or an integrated terminal, which is the first embodiment of the sending device, will be described in detail.

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

25 is a perspective view schematically illustrating a contact-type fingerprint and finger vein authentication device of an integrated payment device using an integrated biometric authentication terminal of the present invention.

25, the fingerprint and finger vein authentication processing unit 1180 formed in the integrated biometric authentication terminal 1000 has a contact-type fingerprint scanning module 2310 formed on the upper side, and a finger photographing groove 2410 on the lower side. The formed finger vein authentication device unit 2100 is formed, and here is an invention that performs fingerprint and finger vein authentication.

The fingerprint scanning module 2310 uses a contact-type recognition module, and a recognition circuit electric part 2320 for controlling it is formed on the rear surface thereof.

The authentication device unit 2100 for obtaining the finger vein information is formed so as to authenticate the finger vein at the lower edge of the main body side of the terminal, the inside of the terminal is the contact fingerprint scanning module 2310 and the finger vein authentication device A considerable authentication device subspace 2500 into which the part 2100 can enter is formed in the form of an upper and lower light, and a side groove border 2200 is formed outside, and a contact fingerprint scanning module 2310 is formed on the upper side thereof. , a finger photographing groove 2410 is formed on the lower side to place a finger in a non-contact manner, and it is formed so that it can be recognized at the same time.

A very thin finger rest glass plate may be formed in the finger photographing groove 2410 to prevent the inflow of external dirt and the like.

In this case, the image sensor can be operated by attaching an infrared filtering film that blocks visible light by using the finger rest glass plate.

Furthermore, the finger rest glass plate may be manufactured to be formed in the front portion of the image sensor 2510a and the infrared ray emitting unit 2520a adjacent to each other together with the infrared filtering film.

Then, an empty finger photographing groove 2410 is formed on the lower side thereof to comfortably place the finger f.

In addition, an image sensor 2510a and an infrared ray emitting unit 2520a are formed side by side in the back authentication device space 2500 of the empty finger photographing groove 2410, and a recognition circuit electronic unit 2530 for controlling this is formed. When the finger vein pattern is recognized, they are operated to transmit various control signals.

When the empty finger photographing groove 2410 is designed so that there is no risk of damage to the image sensor 2510a and the infrared emitting unit 2520a, it communicates with the authentication device space 2500 in a non-contact manner depending on the surrounding conditions. may be formed.

In addition, in the case of the image sensor 2510a, the range for recognizing finger veins is different depending on the size, so when the recognition nose is wide, a wide range of finger veins can be recognized by increasing the distance (Ha) from the finger, When the distance is short, only the finger vein pattern of a narrow range is recognized, so it should be devised and designed in consideration of the relationship with the size of the internal electric part of the terminal in consideration of this.

The following describes an algorithm for recognizing a fingerprint applied to the conversion device of the present invention.

26 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and digital processing circuit of the first invention are applied, and FIG. 27 is a block showing the configuration of a single chip fingerprint recognition device according to the second invention. , FIG. 28 is a block diagram showing a single-chip implementation example of a fingerprint recognition device according to the second invention, and FIG. 29 is an exemplary diagram comparing fingerprint recognition using specific points of a fingerprint.

In general, the fingerprint recognition sensor may be an input imaging device that acquires a fingerprint image (or image information of a fingerprint) of a finger representing a characteristic difference unique to each user. The sensing data for the fingerprint image may be acquired in an optical, semiconductor, ultrasonic, or non-contact method.

The optical fingerprint recognition sensor may include, for example, a prism, a light source, a lens, or a charge-coupled device (CCD). In the optical sensor, when the fingerprint is in contact with the prism, the light source illuminates the prism, the lens collects the light reflected through the prism, and the CCD may acquire the collected light as a fingerprint image.

The semiconductor-type fingerprint recognition sensor may include a thermal sensor, a capacitive sensor, or an electric sensor. The semiconductor-type fingerprint sensor can be miniaturized, so it can be used in personal applications.

The thermal sensor may be a fingerprint recognition sensor of a method of acquiring a temperature distribution as a fingerprint image by a temperature difference between a contact portion and a non-contact portion of the fingerprint.

The capacitive sensor may be a fingerprint recognition sensor of a method of acquiring a difference in electric charge or capacitance between ridges of a contacted fingerprint as a fingerprint image.

The electric sensor may be a fingerprint recognition sensor of a method of acquiring fingerprint image information from a fingerprint in contact with the sensor or an electric field formed around the fingerprint.

On the other hand, the fingerprint sensor may be configured to include at least a part of the processor. For example, the fingerprint recognition sensor may include operations such as correcting the fingerprint image or calculating features of the fingerprint image in addition to the operation of acquiring the fingerprint image. In this case, the fingerprint recognition sensor may be a functional module having a hardware module and a software module.

In the fingerprint, there are a normal region composed of ridges with precise directions and a number of other characteristic regions. In the characteristic region, the point at which the ridge progresses and breaks is referred to as an ending point, and the point at which the ridge splits is referred to as a bifurcation. In general, about 100 to 150 feature points are distributed on one finger, and the type, position, and direction are different for each person. Accordingly, the location and direction of these feature points can be used as a means for determining each fingerprint.

As can be seen from Korean Patent Registration No. 10-0603975, FIG. 29 shows a conventional fingerprint recognition device that performs the above-described function. valley) by converting the difference in capacitance according to the height difference into voltage to detect a fingerprint image and output it as an electrical signal, and an analog processing circuit 210 for outputting it as an electrical signal, and from the signal output from the analog processing circuit 210 to the fingerprint image. After extracting the features, the digital processing circuit 220 compares the extracted features with pre-stored fingerprint data to determine or recognize the user of the detected fingerprint.

In the above, the analog processing circuit 210 removes the sensor plate that converts the difference in capacitance according to the difference in the gap between the ridge and valley of the fingerprint into a voltage, and the parasitic capacitance generated in the sensor plate, It may consist of a parasitic capacitance removing circuit that outputs only the sensing voltage, and a comparator that compares the sensing voltage input through the parasitic capacitance removing circuit with a reference voltage Vref and outputs a binary signal of '0' or '1'.

In addition, the digital processing circuit 220 includes a digital input unit receiving the output signal of the analog processing circuit 210, a memory unit storing a plurality of fingerprint images and a fingerprint recognition algorithm, and performing the algorithm stored in the memory unit. It may be made of a microprocessor (MCU) that performs the detected identity authentication or identification process.

However, in the conventional fingerprint recognition device of the first invention, since the analog processing circuit 210 and the digital processing circuit 222 are implemented on different chips, the size of the device is large, the price is high, and the above-mentioned large In order to solve the problem that it is difficult to utilize in various fields due to the volume and high cost, the second invention of the related art implements the sensor side for detecting a fingerprint and a digital processing circuit for recognizing the fingerprint on a single chip, thereby reducing the volume and unit cost of the product and making it portable. In addition, a fingerprint recognition device implemented as a single chip that can be applied in various fields has been developed.

27 is a block diagram of a fingerprint recognition device according to the second invention. In the fingerprint recognition device 300 of the present invention implemented as a single chip, the capacitance difference between the ridges and grooves of the fingerprint by contacting the bottom surface of the user's finger. The sensors 310 to detect and the algorithm stored in the flash memory 340 are executed, the electric signal output from the sensor 310 is received and image processed to extract the features of the fingerprint image, and the extracted features are flashed. A microprocessor 320 that compares the reference fingerprint image registered in the memory 340 to determine whether it matches, and a cache memory 330 directly connected to the microprocessor 320 and storing frequently used instructions; A flash memory 340 in which a program, a fingerprint recognition algorithm, and fingerprint data are stored, and a bus 350 interconnecting the sensor 310, the microprocessor 320, and the flash memory 340 and providing a data path between each means ) and a bus interface 360 that controls data exchange between the sensor 310, the microprocessor 320, and the flash memory 340 through the bus 350.

The above-described components, sensors 310, microprocessor 320, cache memory 330, flash memory 340, bus 350, and bus interface 360 are directly integrated on a single chip.

28 shows an implementation example of the fingerprint recognition device of the second invention of the related art. As shown, the single-chip fingerprint recognition device includes a sensor array 410, an MCU 420, a cache memory 430, and a flash memory. 440 and the bus interface 450 are implemented as an integrated first chip 400 .

In the above, the flash memory 440 is an on-chip flash memory implemented on a semiconductor chip, and stores a program for implementing a fingerprint recognition algorithm performed in the MCU 420, and also includes a fingerprint image or The detected fingerprint image is stored. In addition, the cache memory 430 is a memory having a smaller capacity and faster access speed than the flash memory 440 , and is implemented on the same chip as the MCU 420 , that is, the first chip 400 , and the frequency of use is low. By storing high commands or data, processing speed in the MCU 420 is improved.

And, the sensor array 410 is made by arranging the sensor plate that outputs the capacitance generated between the contacted skin, that is, the skin of the contacted finger part as a digital electrical signal, in an m × n matrix, the first chip It is integrated on the 400 and is connected to other circuits, that is, the MCU 420 or the flash memory 440 by a bus.

The above-described sensor array 410, MCU 420, cache memory 430, flash memory 440, and bus interface 450 are not formed on the same plane, but may be implemented in multiple layers. That is, the sensor plate of the sensor array 410 is implemented on the surface of the chip, and the remaining MCU 420 , the cache memory 430 , the flash memory 440 , and the bus interface 450 are the lower layer of the sensor array 410 . may be laminated on the

29 shows a technique for comparing and judging fingerprints by using feature points disclosed in Korean Patent Application Laid-Open No. 10-2015-0034832.

That is, referring to the drawing, the fingerprint image mapping unit may obtain feature information 812, 822, 832, and 842 of the fingerprint image corresponding to the regions 811, 821, 831, and 841 of the user's finger for each region 811, 821, 831, and 841. In addition, the fingerprint image mapping unit 260 may map characteristic information of the acquired fingerprint image to the part 855 of the user's finger.

For example, the feature information 812 of the fingerprint image 813 corresponding to the one area 811 of the fingerprint image of 810 of FIG. 29 is the characteristic of the fingerprint image corresponding to the first area 851 of 850 of FIG. It can be mapped as information.

In addition, feature information 822 of the fingerprint image 823 corresponding to one region 821 of the fingerprint image of 810 of FIG. 29 is characteristic information of the fingerprint image corresponding to the second region 852 of 850 of FIG. can be mapped.

In addition, feature information 832 of the fingerprint image 833 corresponding to one region 831 of the fingerprint image of 810 of FIG. 29 is characteristic information of the fingerprint image corresponding to the third region 853 of 850 of FIG. can be mapped.

Also, the feature information 842 of the fingerprint image 843 corresponding to one region 841 of the fingerprint image of 810 of FIG. 29 is characteristic information of the fingerprint image corresponding to the fourth region 854 of 850 of FIG. can be mapped. At this time, if there is an overlapping area between the first area 851 to the fourth area 854 , the characteristic information of the fingerprint image corresponding to the overlapping area is the characteristic of the first area 851 to the fourth area 854 . Among the information, higher quality, more information, or recently acquired feature information may be mapped preferentially.

The fingerprint image mapping unit maps characteristic information for each area of a fingerprint image, and adjusts overlapping areas to obtain characteristic information of a fingerprint image from a part of a finger 855 as a target.

Therefore, in the present invention, through the step of replying a predetermined authentication number from the receiver's side exchange of the personal financial relay transaction server, when the fingerprint is touched, the ridges and grooves of the fingerprint are separated and output as a digital electrical signal. Transmitting, by a conversion device, the arrangement of the DTMF signal to a receiving device according to a conversion logic based on a predetermined authentication number returned by the fingerprint information; According to the conversion logic based on the DTMF signal, the receiving device is connected in the order of performing the step of restoring the converted DTMF signal to the arrangement of the DTMF signal transmitted by the user, and overlapping technical descriptions will be omitted.

The following describes the finger vein algorithm applied to the converter of the present invention.

30 is a flowchart illustrating an operation process of a biometric security device according to an embodiment of the present invention, and FIG. 31 is a diagram illustrating reference point setting of an effective site during capillary imaging, 32 is a diagram illustrating the image segmentation and binarization process of the preprocessor.

In Korean Patent Application Laid-Open No. 2003-0010977, when a finger is inserted, the light generating unit 15 of the image acquisition unit 10 emits infrared, laser, or halogen light to the finger and uses the solid-state image sensor 11 approximately The image between the last node and the nail boundary is continuously taken a plurality of times (S10). In the above, various methods can be applied by recognizing whether a finger is inserted, using an optical sensor using a light emitting and light receiving diode, configuring the finger fixture 9 as a limit switch, or installing a manual switch that the user directly presses. This makes it easy to know whether a finger has been inserted or not.

As described above, in order to normalize the image of the photographed finger as a specific part of the finger is photographed, the preprocessor 20 must set a reference point. These unnecessary images are removed.

That is, as shown in Figure 31, hold the center of the nail as the central point, draw a straight line downward while maintaining the same angle and spacing as both boundary lines from the central point, and draw a horizontal line so that it is perpendicular to the boundary line on both sides at the nail boundary, both sides meeting the horizontal line The part of the boundary line becomes the reference point (A, B) for normalization. Accordingly, the rectangular part formed between the reference point and the knuckle of the finger becomes an effective part of normalization, and the image of the effective part is rotated and enlarged to normalize (S11).

Next, in the preprocessor, an effective capillary image is obtained through a smoothing process that removes noise corresponding to the epidermal image or scattered light in the effective site, and the capillary image is binarized into digital data, and then the capillary image is thinned. (S12 to S14).

As described above, the thinned capillary image data is output to the feature extracting unit, and the feature extracting unit receives such data and performs an image processing process using pattern matching of blood vessels (S15, S16) and an image processing process using feature points (S17). , S18) are performed separately.

In the image processing process using the pattern matching, first, the image screen is divided into a plurality of matrix blocks for the capillary image of the finger acquired through the preprocessor (S15), and the divided capillary image is recognized by performing binarization for each block. output to the control unit (S16).

On the other hand, the image processing process using the feature points analyzes the binarized and thinned capillary images through the preprocessor to extract feature points such as branching points, cut points, branches, transformation points, convex folds, and concave folds (S17), and the Position coordinates for the blood vessels adjacent to the feature point, thickness, brightness, and feature values for pulsation information are measured and output to the recognition controller (S18). When measuring the brightness of the blood vessel, since the blood flow through the blood vessel constantly changes with time, the average brightness value is obtained by analyzing a plurality of consecutive blood vessel images, and the change in brightness is based on the pulsation, so the pulsation according to the change in brightness can be easily inferred.

Next, the recognition control unit first detects a plurality of comparison data within the tolerance range by directly matching and comparing various capillary pattern data recorded in the database using the binarized data related to the blood vessel pattern obtained through the feature extraction unit (S19). ), the extracted feature points and their feature values and the feature points and feature values of the plurality of comparison data detected primarily are compared to each other to determine and recognize whether they are identical (S20, S21).

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

Therefore, in the present invention, the capillary image of the finger obtained through the preprocessor is divided into matrix blocks by dividing the image screen into a matrix block through the step of replying a predetermined authentication number from the receiver side exchange of the personal financial relay transaction server. According to a conversion logic based on a predetermined authentication number returned to the finger vein information by binary data output as a digital electrical signal for each block according to the presence or absence of a blood vessel image, a conversion device converts the arrangement of the DTMF signal to receive device sending to; According to the conversion logic based on the authentication number used for converting the converted DTMF signal to the DTMF signal, the receiving device restores the converted DTMF signal to an array of DTMF signals sent by the user. , overlapping technical descriptions are omitted.

In addition, the customer terminal is an integrated terminal with a smart phone, a fingerprint or/and finger vein authentication processing unit is formed on one side of the smart phone or integrated terminal, and a contact fingerprint scanning module is provided in the fingerprint or/and finger vein authentication processing unit (2310) (4310) and optical finger vein authentication device unit (2100, 4100) are respectively formed to authenticate the fingerprint or finger vein information and then selectively authenticate with a time difference, that is, fingerprint and finger vein information In the case of fusion, the signal is transmitted by the fused authentication code.

The following describes a finger vein pattern input device according to an embodiment of the prior art applied to the present invention.

33 is an external view of a finger vein pattern input device according to an embodiment of the prior art applied to the present invention, and FIG. 34 is a cross-sectional view of FIG. 33 applied to the present invention.

The configuration of the finger vein pattern input device 100 will be described using FIGS. 23 and 24 with respect to the technology shown in Korean Patent Application Laid-Open No. 10-2008-0022202.

The main body 10 is integrated with a built-in support 11 . Further, inside the main body 10, a control module unit (control module unit) 1 and an imaging unit (imaging unit) 2 mounted on a camera substrate 9 and having a built-in CPU for performing image processing are provided. . As is well known, the control module unit 1 compares the finger vein pattern extraction means for extracting the finger vein pattern from the image acquired by the imaging unit 2 and the finger vein pattern registered in advance with the extracted finger vein pattern, That is, it has image arithmetic means for collating.

The imaging unit 2 includes near-infrared light emitting LEDs 13 (13A, 13B) as irradiating means and finger detecting means arranged in a space 12 formed in the upper portion (vertical left side in the drawing) of the main body 10 , and a finger detecting means. (not shown) is provided.

The brace 11 is provided with irradiation windows 16 (16A, 16B) in the form of opposing the near-infrared light emitting LED 13 of the celestial spheres 15 (15A, 15B) installed in the brace 11. . The near-infrared light-emitting LED 13 is disposed in the space 12 , and light is not leaked other than the irradiation window 16 . An optical axis refraction unit 5 composed of a camera lens 3 and a camera module 4 having a CCD and a mirror is provided in the center of the body 10 . The optical axis refracting section 5 has a mirror inclined, so that the overall thickness of the device is reduced to increase the optical path length for imaging, thereby reducing image distortion. An imaging opening 6 is largely formed in the central portion of the pedestal 11 , and an imaging window 7 is provided in the imaging opening 6 . As for the imaging window 7, a smoke-like material whose central part is not visible is used. This material transmits infrared light. The imaging opening 6 has a shape with a depth in which the round R is performed outward, so that the finger does not come into contact with the imaging window 7 during imaging. By performing the round R like this, it is possible to prevent the veins from being crushed by pressing them, and it is possible to improve the visibility of the veins located in the vicinity of the imaging opening. The imaging window 7 is provided perpendicularly to the groove 8 as shown in the figure provided in the imaging opening 6 .

The light projected through the camera lens 3 is bent by the mirror of the optical axis refracting unit 5 and irradiated outward as indicated by arrows through the imaging window 7 and the opening 6 .

The near-infrared light-emitting LED 13 and the status display LED 17 are arranged in the space 12 .

Moreover, it is designated as superior biometric information in all aspects such as resistance to counterfeiting, false acceptance rate, false reject rate, failure to enroll rate, and authentication time, compared to the above biometric technology. Mac authentication technology is known.

It may be applied to the execution system of the present invention by using the prior art as described above.

Up to now, the present invention has been mainly examined in the examples. Those of ordinary skill in the art to which the present invention pertains will understand that the present invention can be implemented in modified forms without departing from the essential characteristics of the present invention. Therefore, the disclosed embodiments are to be considered in an illustrative rather than a restrictive sense. The scope of the present invention is indicated in the claims rather than the foregoing description, and all differences within the scope equivalent thereto should be construed as being included in the present invention.

2: Financial transaction relay system
4, 6: communication network
100: personal financial transaction relay server
110: multiple safety lock module
200: customer terminal
210: fingerprint reader
300: Online Banking System
400: e-commerce system

Claims (5)

The financial transaction relay system 2 includes a financial transaction connection step in which the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4 in step S150;
a member registration step of joining as a member after the financial transaction access step of S150 in step S152;
In step S154, after the membership registration step in step S152, the affiliated store terminal 200 acquires face information through the face recognizer 210a, and transmits the face information to the individual financial transaction relay server 100 through the communication network 4 When transmitted, the individual financial transaction relay server 100 registers face information corresponding to the affiliated store terminal 200, and at this time, the individual financial transaction relay server 100 stores the face information 124a in the database 120. Face information acquisition and storage step;
In step S158, after the face information acquisition and storage step of step S154, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200. Passbook account (or card) password registration step of the number;
In step S160, after the passbook account (or card) number password registration step of step S158, the individual financial transaction relay server 100 selectively matches face authentication, phone number authentication and account (or card) password registration to face Payment member registration step for face authentication to register as a payment member for authentication;
In step S162, after the face authentication payment member registration step of step S160, the individual financial transaction relay server 100 inputs the purchase price of the product to the merchant terminal 200 at the merchant when the customer purchases the product, and the customer A bank passbook account and card payment selection screen window providing step for providing a passbook account and a card payment selection screen window;
In step S164, after the step of providing a screen for selecting a bank passbook account and card payment in step S162, the individual financial transaction relay server 100 includes a bank passbook account payment selection step in which the customer selects to pay with a bank passbook account;
In step S166, after the bank passbook account selection step in step S164, the individual financial transaction relay server 100 provides a bank selection screen providing a bank selection screen to the terminal so that a bank can be selected;
In step S168, after the bank selection screen providing step in step S166, the individual financial transaction relay server 100 checks whether a bank (and account) is selected whether the customer has selected a bank (and account);
In step S170, after the bank (and account) selection confirmation step of step S168, the individual financial transaction relay server 100 provides a payment amount confirmation screen providing a screen for confirming the payment amount to the customer;
In step S172, after the payment amount confirmation screen providing step in step S170, the individual financial transaction relay server 100 checks whether the customer made a payment using the passbook account;
In step S174, after the payment confirmation step of step S172, the individual financial transaction relay server 100 includes a face information authentication confirmation step of confirming whether to authenticate with face information;
In step S176, after the face information authentication confirmation step of step S174, the individual financial transaction relay server 100 includes a face information input confirmation step of confirming whether the customer has inputted face information through the face recognizer of the customer terminal;
In step S178, after the face information input confirmation step of step S176, the individual financial transaction relay server 100 checks whether the input face information matches the pre-registered face information, the pre-registered face information matching step;
In step S180, if the face information input in step S178 matches the face information 124a stored in the database 120, the individual financial transaction relay server 100 performs the online banking system 300 or the e-commerce system 400 without authentication. ) accessing the unauthenticated access step of relaying financial transactions;
A financial transaction relay processing method having a multi-safe locking function, characterized in that consisting of
The financial transaction relay system 2 includes a financial transaction connection step in which the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4 in step S150;
a member registration step of joining as a member after the financial transaction access step of S150 in step S152;
In step S154, after the membership registration step in step S152, the affiliated store terminal 200 acquires face information through the face recognizer 210a, and transmits the face information to the individual financial transaction relay server 100 through the communication network 4 When transmitted, the individual financial transaction relay server 100 registers face information corresponding to the affiliated store terminal 200, and at this time, the individual financial transaction relay server 100 stores the face information 124a in the database 120. Face information acquisition and storage step;
In step S158, after the face information acquisition and storage step of step S154, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200. Passbook account (or card) password registration step of the number;
In step S160, after the passbook account (or card) number password registration step of step S158, the individual financial transaction relay server 100 selectively matches face authentication, phone number authentication and account (or card) password registration to face Payment member registration step for face authentication to register as a payment member for authentication;
In step S162, after the face authentication payment member registration step of step S160, the individual financial transaction relay server 100 inputs the purchase price of the product to the merchant terminal 200 at the merchant when the customer purchases the product, and the customer A bank passbook account and card payment selection screen window providing step for providing a passbook account and a card payment selection screen window;
In step S164, after the step of providing a screen for selecting a bank passbook account and card payment in step S162, the individual financial transaction relay server 100 includes a bank passbook account payment selection step in which the customer selects to pay with a bank passbook account;
In step S182, after the card selection step in step S164, the individual financial transaction relay server 100 provides a card payment terminal that can use the card and guides the card payment terminal providing guidance step;
In step S184, after the card terminal providing guidance step of step S182, the individual financial transaction relay server 100 includes a card input confirmation step of confirming whether the customer has inserted a card;
In step S186, after the account receipt confirmation step of step S184, the individual financial transaction relay server 100 provides a payment amount confirmation screen providing step for providing a screen for confirming the payment amount to the customer;
In step S188, after the step of providing the payment amount confirmation screen of step S186, the individual financial transaction relay server 100 includes: a card payment confirmation step of confirming whether the customer paid using a card;
In step S174, after the card payment confirmation step in step S188, the individual financial transaction relay server 100 is a face information authentication confirmation step of confirming whether to authenticate with face information;
In step S176, after the face information authentication confirmation step of step S174, the individual financial transaction relay server 100 includes a face information input confirmation step of confirming whether the customer has inputted face information through the face recognizer of the customer terminal;
In step S178, after the face information input confirmation step of step S176, the individual financial transaction relay server 100 checks whether the input face information matches the pre-registered face information, the pre-registered face information matching step;
In step S180, if the face information input in step S178 matches the face information 124a stored in the database 120, the individual financial transaction relay server 100 performs the online banking system 300 or the e-commerce system 400 without authentication. ) and relaying financial transactions by connecting to an unauthenticated financial transaction relaying step;
A financial transaction relay processing method having a multi-safe lock function, characterized in that consisting of.
The financial transaction relay system 2 includes a financial transaction connection step in which the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4 in step S250;
a member registration step of joining as a member after the financial transaction access step of S250 in step S252;
After the member registration step of step S252 in step S254, the affiliated store terminal 200 acquires fingerprint/finger vein information through the fingerprint/finger vein recognizer 210, and provides fingerprint/finger vein information through the communication network 4 When transmitted to the individual financial transaction relay server 100, the individual financial transaction relay server 100 registers fingerprint / finger vein information in response to the affiliated store terminal 200, and at this time, the individual financial transaction relay server 100 stores the database Fingerprint / finger vein information acquisition and storage step of storing the fingerprint / finger vein information 124 in (120);
After the fingerprint / finger vein information acquisition and storage step of step S254 in step S258, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200 ( or card) password registration step of the number;
After the password registration step of the passbook account (or card) number in step S258 in step S260, the individual financial transaction relay server 100 selectively performs fingerprint/finger vein authentication, phone number authentication and account (or card) password registration. Payment member registration step for fingerprint / finger vein authentication by matching and registering as a payment member for fingerprint / finger vein authentication;
In step S262, after the payment member registration step for fingerprint / finger vein authentication in step S260, the individual financial transaction relay server 100 inputs the purchase price of the product to the affiliated store terminal 200 at the affiliate store when the customer purchases the goods, A bank passbook account and card payment selection screen window providing step in which the customer provides a bank passbook account and card payment selection screen;
In step S264, after the step of providing a screen for selecting a bank passbook account and card payment in step S262, the individual financial transaction relay server 100 includes a bank passbook account payment selection step in which the customer selects to pay with a bank passbook account;
In step S266, after the bank passbook account selection step in step S264, the individual financial transaction relay server 100 provides a bank selection screen providing a bank selection screen to the terminal to select a bank;
In step S268, after the bank selection screen providing step in step S266, the individual financial transaction relay server 100 checks whether the bank (and account) is selected whether the customer has selected the bank (and account);
In step S270, after the bank (and account) selection confirmation step of step S268, the individual financial transaction relay server 100 provides a payment amount confirmation screen providing step for providing a screen for confirming the payment amount to the customer;
In step S272, after providing the payment amount confirmation screen of step S270, the individual financial transaction relay server 100 checks whether the customer has paid using the passbook account;
After the payment confirmation step of step S272 in step S274, the individual financial transaction relay server 100 is a fingerprint / finger vein information verification step of confirming whether to authenticate with the fingerprint / finger vein information;
After the fingerprint / finger vein information authentication step of step S274 in step S276, the individual financial transaction relay server 100 checks whether the customer has inputted fingerprint / finger vein information by the fingerprint / finger vein recognizer of the customer terminal. Fingerprint / finger vein information input confirmation step;
After the fingerprint / finger vein information input confirmation step of step S276 in step S278, the individual financial transaction relay server 100 checks whether the input fingerprint / finger vein information matches the pre-registered fingerprint / finger vein information Checking whether the registered fingerprint / finger vein information match;
In step S280, if the fingerprint / finger vein information input in step S278 matches the fingerprint / finger vein information 124 stored in the database 120, the individual financial transaction relay server 100 is authenticated by the online banking system 300 or an unauthenticated connection step of relaying financial transactions by accessing the electronic commerce system 400;
A financial transaction relay processing method having a multi-safe locking function, characterized in that consisting of
The financial transaction relay system 2 includes a financial transaction connection step in which the affiliated store terminal 200 connects to the individual financial transaction relay server 100 through the communication network 4 in step S250;
a member registration step of joining as a member after the financial transaction access step of S250 in step S252;
After the member registration step of step S252 in step S254, the affiliated store terminal 200 acquires fingerprint/finger vein information through the fingerprint/finger vein recognizer 210, and provides fingerprint/finger vein information through the communication network 4 When transmitted to the individual financial transaction relay server 100, the individual financial transaction relay server 100 registers fingerprint / finger vein information in response to the affiliated store terminal 200, and at this time, the individual financial transaction relay server 100 stores the database Fingerprint / finger vein information acquisition and storage step of storing the fingerprint / finger vein information 124 in (120);
After the fingerprint / finger vein information acquisition and storage step of step S254 in step S258, the individual financial transaction relay server 100 registers a password for the passbook account (or card) number of the affiliated store terminal 200 ( or card) password registration step of the number;
After the password registration step of the passbook account (or card) number in step S258 in step S260, the individual financial transaction relay server 100 selectively performs fingerprint/finger vein authentication, phone number authentication and account (or card) password registration. Payment member registration step for fingerprint / finger vein authentication by matching and registering as a payment member for fingerprint / finger vein authentication;
In step S262, after the payment member registration step for fingerprint / finger vein authentication in step S260, the individual financial transaction relay server 100 inputs the purchase price of the product to the affiliated store terminal 200 at the affiliate store when the customer purchases the goods, A bank passbook account and card payment selection screen window providing step in which the customer provides a bank passbook account and card payment selection screen;
In step S264, after the step of providing a screen for selecting a bank passbook account and card payment in step S262, the individual financial transaction relay server 100 includes a bank passbook account payment selection step in which the customer selects to pay with a bank passbook account;
In step S282, after the card selection step in step S264, the individual financial transaction relay server 100 provides a card payment terminal that can use a card and guides the card payment terminal providing guide step;
In step S284, after the card terminal providing guidance step of step S282, the individual financial transaction relay server 100 includes a card input confirmation step of confirming whether the customer has inserted a card;
In step S286, after the account receipt confirmation step of step S284, the individual financial transaction relay server 100 provides a payment amount confirmation screen providing step of providing a screen for confirming the payment amount to the customer;
In step S288, after the step of providing the payment amount confirmation screen of step S286, the individual financial transaction relay server 100 includes a card payment confirmation step of confirming whether the customer paid using a card;
In step S274, after the card payment confirmation step in step S288, the individual financial transaction relay server 100 checks whether or not to authenticate with fingerprint/finger vein information verification step;
After the fingerprint / finger vein information authentication step of step S274 in step S276, the individual financial transaction relay server 100 checks whether the customer has inputted fingerprint / finger vein information by the fingerprint / finger vein recognizer of the customer terminal. Fingerprint / finger vein information input confirmation step;
After the fingerprint / finger vein information input confirmation step of step S276 in step S278, the individual financial transaction relay server 100 checks whether the input fingerprint / finger vein information matches the pre-registered fingerprint / finger vein information Checking whether the registered fingerprint / finger vein information match;
In step S280, if the fingerprint / finger vein information input in step S278 matches the fingerprint / finger vein information 124 stored in the database 120, the individual financial transaction relay server 100 is authenticated by the online banking system 300 or an unauthenticated financial transaction relay step of relaying financial transactions by accessing the electronic commerce system 400;
A financial transaction relay processing method having a multi-safe lock function, characterized in that consisting of.
3. The method of claim 1 or 2,
The face information is iris information, and the iris information is converted into digital information processed as binary data.

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