KR20180069683A - Method for relaying financial transaction with multiple safety function - Google Patents

Abstract

The present invention relates to a financial transaction relay method with multiple safety lock functions, to simultaneously authenticate a fingerprint and a finger vein. According to the present invention, the financial transaction relay method with multiple safety lock functions comprises: a step (S1305) of inputting a fingerprint and/or a finger vein for non-authentication access for commercial transaction or financial payment; a step (S1306) of being terminated when authentication is not realized even if the fingerprint or/and the finger vein is/are authenticated in accordance with a predetermined procedure; a step (S1309) of being authenticated to be passed through middleware when the fingerprint or/and the finger vein is/are authenticated by the procedure, so as to select the commercial transaction or financial payment capable of being performed through non-authentication; a step (S1310) of relaying a non-authentication financial transaction hereinafter by selection of electronic commercial transaction or financial payment; and a step (S1311) of receiving an authentication signal, registered by a user, when the final payment is requested during relay of the non-authentication financial transaction. Accordingly, payment of the non-authentication financial transaction is approved.

Description

[0001] METHOD FOR RELAYING FINANCIAL TRANSACTION WITH MULTIPLE SAFETY FUNCTION [0002]

The present invention relates to a financial transaction relaying method having multiple safety lock functions. Especially, by integrating and authenticating the fingerprint fingerprint and the fingerprint, it is possible to provide a financial transaction relaying method having multiple security lock functions for authenticating fingerprints and fingerprints that can be applied to national information sources and financial transaction systems requiring extreme security .

In addition, the present invention relates to a multiple-viewpoint stereoscopic image sensing apparatus and an input / output integration module for simultaneously linking a fingerprint and a fingerprint algorithm applied thereto.

Moreover, if the fingerprint and the fingerprint are authentic, the stereoscopic authentication device distinguishes men and women, and uses two fingers to fingerprint the fingerprint, and additionally authenticates the fingerprint, thereby keeping the biometric authentication of the individual as much more unique information than the existing authentication environment. And to a technique of securing the device.

Biometric information unique to each person has the advantage that it can not be separated by a person.

In the case of fingerprint recognition, frequent authentication errors are pointed out, such as when moisture or foreign matter is present on the finger or when the finger skin is damaged or deformed, and the fingerprint can easily be forged and copied.

The false recognition rate of fingerprint recognition is about 5%, for example, it does not recognize fingerprints of about 5 out of 100 people.

On the other hand, in the case of the red - light recognition technology, when the user wears a color content lens or has undergone LASIK or LASIK surgery, the authentication time or authentication time is long and the error is caused by distance and angle.

Fingerprint authentication technology is superior to biometrics technology in that it provides superior biometric information in all aspects, such as inferiority composition, false acceptance rate, false rejection rate, failure to enroll rate, It was announced.

The finger vein authentication technique is a technique of recognizing a vein pattern by transmitting a near infrared ray to a finger. Because it authenticates the inside of the blood vessel, it can not be tampered with, and if necessary, it can utilize the finger vein pattern of the dead person.

This fingerprint authentication technology combines a hardware device technology for obtaining a finger vein image using a CCD camera and a software technique for filtering a finger vein image using a pattern processing program or extracting vein patterns .

As shown in FIGS. 1 and 2, the applicant of the present invention uses the fingerprint authentication technology in Patent Registration No. 10-1543222, and the financial transaction relay system 2 of the conventional invention uses multiple security lock functions including fingerprint recognition Bank transaction, and e-commerce transactions in an unauthenticated manner.

To this end, the financial transaction relay system 2 of the related art registers a member as a member through fingerprint recognition, account password authentication and telephone number authentication to the personal financial transaction relay server 100, ) And the electronic commerce system 400, a fingerprint authentication process is performed so that an unauthenticated connection is established.

The financial transaction relay system 2 of the related art includes a communication network 4 and 6, a customer terminal 200, an online bank system 300, an electronic commerce system 400 and a personal finance transaction relay server 100 .

The communication networks 4 and 6 are provided in a wired / wireless communication network and a mobile communication network and are connected to the customer terminal 200, the online banking system 300, the personal finance transaction relay server 100, the customer terminal 200, System 400 and the personal financial transaction relay server 100 are connected to each other so that data communication is performed.

The customer terminal 200 is provided, for example, in a portable computer such as a smart phone, a tablet computer, a notebook computer, or a personal computer, and accesses the personal financial transaction relay server 100 through the communication network 4. The customer terminal 200 accesses the personal financial transaction relay server 100 using a web browser or a mobile application and accesses the online bank system 300 and the electronic commerce system 400 through the personal financial transaction relay server 100 Of financial transactions.

The customer terminal 200 includes a fingerprint recognizer 210 for obtaining fingerprint information. The customer terminal 200 provides the fingerprint information acquired from the fingerprint recognizer 210 to the personal financial transaction relay server 100 via the communication network 4. [ The customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 and registers the member as a member. At this time, the customer terminal 200 registers the fingerprint information and the telephone number in the personal financial transaction relay server 100, and registers the account password registered in the online bank system 300 in the personal financial transaction relay server 100 .

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

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

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

When the customer terminal 200 joins the member, the personal financial transaction relay server 100 registers the member as a member through the multiple safety lock module 110 and transmits the financial transaction with the online bank system 300 and the electronic commerce system 400 The fingerprint information is received from the customer terminal 200 to perform the authentication processing and the financial transaction is performed in the online banking system 300 and the electronic commerce system 400 in the case of financial transactions and electronic commerce transactions do. The personal financial transaction relay server 100 establishes a personal portal site for personal financial transactions.

1 and 2, the personal financial transaction relay server 100 includes a control unit 102, a communication unit 104, a multiple safety lock module 110, and a database 120 . Although not shown in the figure, the personal finance transaction relay server 100 includes components of a typical computer system, for example, a central processing unit, a memory unit, an input / output unit, and a storage unit.

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

The database 120 stores various information according to the process of the multiple safety lock module 110 under the control of the control unit 102. In this embodiment, the database 120 is provided inside the personal financial transaction relay server 100, but may be provided as a separate database server.

Specifically, the database 120 stores member information 122, fingerprint information 124, and financial information 126. The member information 122 is information for inputting the user information of the customer terminals 200, for example, a name, an ID, an ID, and the like when the customer terminals 200 are registered as members of the personal financial transaction relay server 100 ID), a password, a telephone number, an e-mail address, and the like. The member information 122 is matched with the fingerprint information 124 and the financial information 126.

The fingerprint information 124 receives and stores the fingerprint information acquired from the fingerprint recognizer 210 of the customer terminal 200 when the user of the customer terminal 200 registers as a member of the personal financial transaction relay server 100. The financial information 126 stores the password of the bank account registered in the online banking system 300 of the customer terminal 200.

However, in the above-mentioned conventional technique, since only the fingerprint is used, the copying phenomenon of the fingerprint is developed and the unstable state still exists, which realizes the realization of the problem.

In order to solve this problem, the applicant of the present invention has also proposed a patent registration system 10-1667388 using the fingerprint or fingerprint authentication technology as shown in FIGS. 1 and 2, By using multiple safety lock function including recognition, bank transaction and e-commerce are relayed through unauthorized access method.

Items that are the same as those in the conventional art will be omitted.

The financial transaction relay system 2 according to the second aspect of the present invention uses the middleware firewall 120 to perform fingerprint authentication, fingerprint authentication, and at least one user authentication of a password and a telephone number to the financial transaction relay server 100 As a member.

In this embodiment, the fingerprint recognizer 210 and the finger vein recognizer 220 are provided as one module 202, so that fingerprint and finger vein can be simultaneously scanned during user authentication.

The finger vein recognizer 220 of this embodiment includes a controller 212 for controlling all operations of the finger vein recognizer 220, a scanner 214 for scanning the finger of the customer to acquire finger vein information, A finger vein image display unit 218 for displaying the finger vein information scanned from the scanner 214 or displaying the process of the finger vein recognizer 220, a memory 216 for extracting and storing finger vein patterns from the finger vein information, And an interface module 220 connected to the customer terminal 200 and providing the finger vein information obtained from the scanner 214 to the customer terminal 200.

In the memory 216, a finger vein pattern extraction program 230 for extracting a finger vein pattern from the obtained finger vein information is stored. The finger pattern extraction program 230 is provided, for example, as a level set curvature program to remove noise from the image relating to the finger acquired from the scanner 214, The peripheral portion of the image is removed to separate the image of only the finger portion, the finger vein pattern is extracted from the image of only the finger portion using the level set curvature, and the extracted vein pattern is binarized and thinned )do. Thereafter, it is possible to judge whether the finger vein pattern coincides with the customer's finger vein pattern according to the command of the level set curvature program 230.

The middleware firewall 120 includes a middleware authentication processing unit 122. The middleware authentication processing unit 122 is provided between the multiple safety lock module 110 and the database 130 and transmits the authenticated client terminal 200 authenticated by the multiple safety lock module 110 to the middleware firewall 120 And processes various information of the database 130 so as to be provided to the electronic financial transaction system 300 or the electronic commerce system 400. [

Specifically, the database 130 stores member information 132, fingerprint information 134, fingerprint information 136, and financial information 138.

The member information 132 is input when the customer terminal 200 activates the financial transaction relaying application 202 and registers it as a member.

Thus, the financial transaction relay system 2 of the second aspect of the present invention uses the mobile application 202 of the customer terminal 200 to perform a multi-step process of fingerprint authentication, password authentication, fingerprint authentication, Multiple authentication paths including fingerprints, passwords, and fingerprints and multiple security lock functions of the middleware authentication processing unit 122 are handled so that unauthenticated access is possible only after the procedure has been performed.

In the financial transaction relay system 2 of the second invention described above, the customer terminal 200 downloads the mobile application through a smart phone or a personal portal connection and uses it for financial transactions. At this time, the financial transaction relay server 100 recognizes the finger vein and the fingerprint at the moment when the customer brings one finger to the customer terminal 200 by using the multiple safety lock module 110, Next, unauthenticated connection is possible only if middleware firewall 120 is authenticated.

In the middleware firewall 120 of the second aspect of the present invention, a fingerprint pattern is extracted through a unique fingerprint scanning of each customer, and a plurality of fingerprint information items associated with fingerprint information of the database 130 ≪ / RTI >

At the moment of releasing the finger, the information of the customer's own is removed, and the finger vein pattern is newly extracted and recognized automatically at every finger vein scanning. At this time, when the user is authenticated using the finger vein (or fingerprint) as the primary authentication, if the user authentication error occurs, the user is authenticated using the fingerprint (or finger vein) The user authentication error can be minimized even when the user identification is difficult.

However, there are many problems in realizing this, for example, the technology for registering fingerprints or fingerprints on banks and mobile devices has not been developed and the procedures for connection and final payment are not clearly displayed in electronic commerce or financial transactions.

In addition, an authentication device for authenticating fingerprints or fingerprints at the same time and an algorithm for implementing the authentication device have not been developed, so that it is difficult to implement the authentication device.

In addition, we found that the server management that operates this affects the recognition rate and speed when the fingerprint or finger vein capacity increases.

It is an object of the present invention to develop a technique for registering fingerprints or fingerprints in banks and mobile phones, and to make it possible to clearly display the procedure of connection or final settlement in electronic commerce or financial transactions.

In addition, an authentication device for simultaneously authenticating a fingerprint or a fingerprint, and an algorithm for implementing the authentication device, are developed.

In addition, in the server management that manages this, the purpose is to double the recognition rate or speed when the capacity of the fingerprint or fingerprint is increased.

In addition, fingerprints and fingerprints that can significantly improve the false recognition rate of fingerprints or fingerprints can be authenticated and used in a financial transaction system, or simultaneously recognized, thereby reducing their false recognition rate and allowing human body information to be easily This paper proposes an authentication method that can be recognized.

Furthermore, in order to narrow the error range of the fingerprint or the fingerprint recognition rate, it is necessary to reduce the recognition rate of each fingerprint and to determine whether the fingerprint or fingerprint is authenticated by the form of the combination, It has its purpose.

It is also an object of the present invention to develop an integrated module for simultaneously authenticating a fingerprint or a fingerprint.

The present invention provides a method for downloading a financial transaction relaying application that forms a program allowing unauthorized access to a partner bank using a customer terminal, the method comprising: downloading the relay app to a customer terminal (S1301); A step (S1302) of turning on an execution button so as to allow an unauthenticated connection with a financial company affiliated with the relay app; As a next step, step S1303 is to select a financial company to lower the transaction nu through the relay app; (S1304) a step of determining whether the registered user is authenticated so as to be able to deal with the authentication of the fingerprint and / or the fingerprint as the next step; A step S1305 of inputting a fingerprint and / or a fingerprint for unauthorized access for e-commerce or financial settlement when the user is a registered user; If authentication of the fingerprint and / or the fingerprint is performed according to a predetermined procedure but is not authenticated, the process is terminated. If authentication of the fingerprint and / or the fingerprint is performed by the above procedure (S1306) (S1309) selecting an electronic commerce or financial settlement that can be authenticated to become unauthenticated and capable of trading; Relaying the unauthorized financial transaction after the electronic commerce or financial settlement (S1310); A step (S1311) of inputting a registered authentication signal when a final settlement request is made in the unauthorized financial transaction relay; And a plurality of safety lock functions.

In addition, the present invention further includes an authentication signal input step (S1307) for inputting an authentication signal as a next step when authentication of a fingerprint and / or a fingerprint fingerprint is performed (S1306) And if the input of the authentication signal is completed (S 1308), it is authenticated so as to be passed to the middleware. The method according to claim 1, .

According to another aspect of the present invention, there is provided a method of downloading a financial transaction relay application using a customer terminal, comprising: downloading the relay application to a customer terminal (S1301); A step (S1302) of turning on an execution button so as to allow an unauthenticated connection with a financial company affiliated with the relay app; As a next step, step S1303 is to select a financial company to lower the transaction nu through the relay app; (S1304) a step of determining whether the registered user is authenticated so as to be able to deal with the authentication of the fingerprint and / or the fingerprint as the next step; A step (S1321) of selecting a financial company for authenticating the unauthorized access registration step as a next step; (S1322) as a next step so as to be able to deal with the authentication of the fingerprint and / or the fingerprint; If the registration of the fingerprint and / or the fingerprint is performed according to the procedure (S1323), a step S1326 of notifying the consumer that registration can be made to pass through the middleware so that an unauthorized financial transaction is possible; And a plurality of safety lock functions.

Further, the present invention is characterized in that the integration module (U1) for simultaneously authenticating the fingerprint and the fingerprint of the recognizer applied to the step of inputting the fingerprint and / or the fingerprint fingerprints comprises a fingerprint module (U2), a fingerprint module (U3) Module U4, the GND line 1 of the fingerprint module U2 is a (-) voltage circuit, the line RX2 is a serial data reception port, the line TX3 is a serial data transmission port , VCC line 4 is the (+) voltage reference of the power supply circuit. When the fingerprint image is scanned by the image sensor and compared with the previously stored image, the registered authentication code of the person is output by 232 communication , The GND line 1 of the finger vein module U3 is the reference of the negative voltage, the line A 2 is the serial communication standard RS485 communication A port, the line B 3 is the serial communication standard RS485 communication B port , VCC line 4 is the (+) terminal of the power supply circuit, The line A 2 is a serial communication standard RS485 communication A port and the line B 3 is a serial communication standard RS485 communication B And the VCC line 4 is the (+) voltage reference. The line DI 5 on the right side of the conversion module U4 interlocked with the finger vein module U3 is a serial 232 communication receiving port and the line RE 6 is 485 The line DE 7 is a 485 communication control port and the line RO 8 is a serial 232 communication transmission port and is interlocked with the integration module U 1 so that the fingerprint authentication code And a finger vein authentication code output from the finger vein module U3 is received from the integration module U1, and when the fingerprint and the finger vein authentication code coincide with each other, a corresponding authentication code is output via USB, When the codes match, output the corresponding authentication code via USB And a plurality of safety lock functions.

In addition, the present invention further includes a step (S1324) of inputting an authentication signal as a next step in addition to the registration of the fingerprint and / or the fingerprint fingerprint (S1323). When the authentication signal input is completed ), A registration that can be passed to the middleware is performed.

Further, the authentication signal of the present invention is any one of a fingerprint and / or a fingerprint, a password, a password, a face recognition signal, and an iris recognition signal.

In the present invention, the D1 / TX line 1 of the integration module U1 is a serial 232 communication transmission port, the D0 / RX line 2 is a serial 232 communication reception port, and the GND line 4 is a D2 5 line is the fingerprint module (U2) serial 232 communication transmission line, D3 6 line is the fingerprint module (U2) serial 232 communication reception line and D8 11 line is the 485-232 communication conversion module (U4 D9 12 is a 485 communication control port of the 485-232 communication conversion module U4 and D10 13 is a 485 communication control port of the 485-232 communication conversion module U4. 232 communication conversion module (U4), D11 line 14 is the serial 232 communication receiving port of the 485-232 communication conversion module (U4), 5V line 27 is the (+) voltage 5V output PIN, GND line 29 is the (-) voltage reference and VIN line 30 is the (+) voltage reference. These configurations are the fingerprint authentication code output from the fingerprint module (U2) The finger vein authentication code output from the MAC module U3 is converted into 232 communication from the conversion module U4 and received by the integration module U1. When the fingerprint and the fingerprint authentication code match each other, And outputting a code to the financial transaction relaying method.

In the present invention, the recognizer applied to the step of inputting the fingerprint or / and the finger vein is provided with a scan panel 250 for simultaneously photographing the fingerprint and the finger vein on the upper part of the scan panel upper case 201a, Contact portion 250b of the scan panel 250 may be formed as a groove so that the finger finger non-contact portion 250a and the finger finger non-contact portion 250b are formed at the front and rear ends, And a finger seating part 252 is formed to be flat with the fingerprint finger contact part 250a so that a finger can be placed on the upper edge of the circumference of the groove side wall 251. The fingerprint and the finger vein are formed by three CCD cameras The finger vein cameras 230 and 231 are built in the object accommodating unit 201 so as to capture the veins of the object from the lower side and the side surface toward the scan panel 250 , And the fingerprint camera (220) A financial transaction relay method having a multi-safety lock, characterized in that for taking fingerprints of root in the bottom.

Also, the present invention replaces the fingerprint recognition module 250aa in place of the fingerprint finger contact part 250a and the CCD camera 220 for photographing the fingerprint fingerprint contact part 250a.

The scan panel of the recognizer applied to the step of inputting the fingerprint and / or the finger vein of the present invention includes a fingerprint finger contact part 250a on which the fingerprint authentication module 250aa is formed and a fingerprint finger part 250a on which the infrared light part 240 is formed. The scan panel 250 is formed in two lines so that two fingers can be authenticated side by side. When the fingerprint and the finger vein are authenticated at the same time, 2 fingerprint 250bn and fingerprint fingerprint 250br fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint Fingerprint 2 (250br), 5) fingerprint 1 (250an) and fingerprint 2 (250br), 6) fingerprint 2 (250ar) and fingerprint 1 (250bn) And a plurality of safety lock functions.

Further, in the present invention, a fingerprint authentication module (250aa) 250ab is formed on a fingerprint fingertip part of a scan panel of a recognizer applied to a step of inputting a fingerprint or / and a finger vein, The fingerprint authentication module 250aa 250ab of the scan panel is formed by two rows of barrier ribs 253a, 253b, and 253c to allow two fingers to be seated, And a temperature sensor 205a and a temperature sensor 205b for detecting a temperature of the heat exchanger.

The fingerprint scanning unit 1520 of the recognizer applied to the step of inputting the fingerprint and / or the finger vein may further include a line-of-sight light source unit 1520a at the edge of the finger receiving unit 1523 and a fingerprint image A sensor 1520b is formed and a reflecting member 1520c for reflecting the finger contact surface to the fingerprint image sensor 1520b is formed at the lower part of the contact surface of the finger receiving portion 1523. [ It is a transaction relay method.

In addition, in the present invention, the maxima permitting section 1521 of the recognizer to be applied to the step of inputting the fingerprint and / or the finger vein is arranged horizontally higher than the contact surface where the finger contacts the edge of the finger receiving section 1523, And a finger vein image sensor 1521b for capturing a finger vein finger, and the infrared rays irradiated from the infrared light source part 1521a pass through the finger and are recognized by the finger vein image sensor 1521b. A financial transaction relaying method.

Further, in the present invention, the fingerprint scanning unit 1520 of the recognizer applied to the step of inputting the fingerprint and / or the finger vein is configured to detect the fingerprint 1600a of the finger by installing the contact type fingerprint recognizer 1600 at the finger fingerprint contacting position The method according to claim 1, further comprising the steps of:

Further, the present invention is characterized in that the integration module (U1) for simultaneously authenticating the fingerprint and the fingerprint of the recognizer applied to the step of inputting the fingerprint and / or the fingerprint fingerprints comprises a fingerprint module (U2), a fingerprint module (U3) Module U4. The fingerprint module U2 scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image. If there is a person with the same fingerprint image, the fingerprint module U2 registers the registered authentication code of the person as a specific serial communication The finger vein module U3 transmits a finger through the infrared LED to scan a vein from a camera image sensor and compares it with a previously stored vein image. If there is a person having the same image, the registered authentication code of the person is transmitted to a specific serial And outputs the specific serial communication signal output from the fingerprint module (U4) to the conversion module (U4). The fingerprint module (U2) And a fingerprint authentication code output from the fingerprint module U2 and a fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 and fingerprints and fingerprint authentication And when the codes coincide with each other, output the corresponding authentication code to the USB.

The integrated module U1 for simultaneously authenticating the fingerprint 1 and the fingerprint 2 of the recognizer to be applied to the step of inputting the fingerprint and / or the fingerprint fingerprint may include a fingerprint module 1 (U2), a fingerprint module 2 (U3) The fingerprint module 1 (U2) scans the fingerprint image with the image sensor and compares the fingerprint image with a previously stored image, and when there is a person with the same fingerprint image, outputs the registered authentication code of the person as a specific serial communication signal , The fingerprint module 2 (U3) scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image to output a registered authentication code of the person as a specific serial communication signal if there is a person with the same fingerprint image, The fingerprint 1 authentication code output from the fingerprint module U2 and the fingerprint 2 authentication code output from the fingerprint module 2 (U3) are received by the integration module (U1) so that the fingerprint 1 and fingerprint 2 authentication codes And outputting the corresponding authentication code to the USB when the security function is activated.

Further, in the present invention, the integration module U1 for simultaneously authenticating the finger vein 1 and the finger vein 2 of the recognizer applied to the step of inputting the fingerprint and / or finger vein is composed of the finger vein module 1 (U2) 2 (U3), the finger vein module 1 (U2) scans the finger vein from the image sensor and compares the finger vein with a pre-stored image, and if there is a person with the same finger vein image, the registered authentication code The control unit 2 (U3) scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image. If there is a fingerprint image of the same fingerprint image, the registered fingerprint authentication code of the person is output as a specific serial communication signal And receives the finger vein 1 authentication code output from the finger vein module 1 (U2) and the vein authentication code 2 output from the vein authentication module 2 (U3) from the integration module (U1) Mac 1 And the authentication code is outputted to the USB when the authentication code of the authentication code is matched with that of the authentication code.

The present invention develops a technique for registering fingerprints or fingerprints on banks and mobile phones and clearly shows the procedure of connection or final payment in electronic commerce or financial transactions, thereby showing the realistic feasibility of these.

In addition, an authentication device for authenticating a fingerprint or a fingerprint at the same time and an algorithm for implementing the authentication device have the effect of realizing these realizability.

Also, in the server management that manages this, there is a tendency to multiply recognition speed or speed by distributing and managing the fingerprint or fingerprint when the capacity of the fingerprint or fingerprint is increased.

In addition, the present invention can reduce the false recognition rate of the fingerprint and can easily recognize the human body information of a person with only one finger by simultaneously authenticating the fingerprint and the fingerprint that can significantly improve the false recognition rate of the fingerprint or fingerprint, There is an effect that can bring out the remarkable effect of security that can be replaced.

Therefore, even if two fingers are used, the error range with respect to the recognition rate of the fingerprint or finger vein is narrowed to reduce the recognition rate of each finger, thereby determining whether or not the fingerprint or finger vein is authenticated by the form of the combination. And the error range is also reduced.

Furthermore, the present invention can be realized by developing an integrated module for simultaneously authenticating a fingerprint and a finger vein.

In order to complement these advantages, if fingerprints and fingerprints, fingerprints, finger veins, or supporting veins present in both fingers of fingerprints are simultaneously scanned, if biometric information is acquired through a stereoscopic authentication device, We believe that it is possible to maintain unique biometrics information.

Further, in the present invention, the fingerprint and / or finger vein authentication device comprises a fingerprint acquisition module on the front side of the upper part for authenticating the finger, To acquire fingerprint and fingerprint information of the user and then to form a database to form the second and third or third and fourth fingers naturally in the form of eleven characters or to form a diaphragm portion according to the interference of the infrared rays emitted from below In case of a moment when the terminal is connected to the terminal in a V shape, simultaneous authentication is performed by the stereoscopic imaging technique, thereby ensuring all functions of the device.

As described above, when two fingers are used, the recognition accuracy of the fingerprint and / or the finger vein can be made accurate because the grounding angle is constant and the consistency and stability of the authentication part to be grounded are made constant.

Especially, Google or. If you search fingerprint recognition technology in Naver search window, you can check the margin of error with other people by 1/1 billion as confirmed in the fingerprint recognition technical data provided by Doosan Encyclopedia. Nevertheless, it was a prerequisite that the above-mentioned problem of modulation could not be solved. However, if the temperature sensor detection using the pulse of the blood flow is activated at the moment when the fingerprint of the user and both fingers of the finger vein are naturally connected side by side to the terminal, It is possible to simultaneously recognize all of the fingerprint or finger vein recognition classified into the four types of fingerprints and fingerprints by interlocking them, thereby ending all the problems of false recognition errors.

1 is a block diagram showing a network configuration of a financial transaction system as a first embodiment shown in a preliminary registration application of the present applicant
FIG. 2 is a block diagram showing a configuration of the personal financial transaction relay server shown in FIG. 1
FIG. 3 is a block diagram showing a network configuration of a financial transaction system as a second embodiment shown in the pre-registration application of the present applicant
4 is a block diagram showing the configuration of the personal finance transaction relay server shown in FIG.
5 is a block diagram showing a part of the configuration of the customer terminal shown in FIG.
FIG. 6 is a flowchart illustrating a procedure for relaying an unauthorized financial transaction using the multiple security lock function of the financial transaction relay system according to the present invention.
7 is a flowchart illustrating a procedure for relaying an unauthorized financial transaction using the multiple security lock function of the financial transaction relay system according to another embodiment of the present invention.
8 is a flowchart for requesting registration of a fingerprint and a fingerprint in the present invention.
9 is a flowchart for requesting authentication of a fingerprint and a fingerprint in the present invention.
10 is a flowchart for requesting deletion of a fingerprint and a fingerprint in the present invention.
FIG. 11 is a table of financial companies classified according to the present invention, and is a table for banks in which a customer can select a financial company to access unauthorized access.
FIG. 12 is a table for registering the servers classified by men and women or households when the financial transaction relay system is constructed according to the present invention.
13 is a stereoscopic apparatus for photographing fingerprints and finger veins applied to a financial transaction relay system in the present invention.
FIG. 14 is another embodiment of FIG. 13, which is a stereoscopic apparatus for photographing fingerprints and finger veins applied to a financial transaction relay system in the present invention.
15 is a stereoscopic apparatus for photographing two finger prints and finger veins applied to a financial transaction relay system in the present invention.
16 is a stereoscopic apparatus for photographing two fingerprints applied to a financial transaction relay system in the present invention.
17 (a) and 17 (b) are a front view and a side view of a finger showing finger fingerprints and finger veins applied to a financial transaction relay system according to the present invention.
18 is a block diagram illustrating a network configuration applied to a financial transaction relay system according to another embodiment of the present invention
19 is a diagram showing an example of the configuration of the entire process of the authentication method using the authentication apparatus of the present invention.
FIG. 20 is a diagram showing two fingerprints and finger veins applied to a financial transaction relay system in the present invention. FIG.
FIG. 21 is a matrix table in which a two-finger fingerprint 1, a fingerprint 2, a finger vein 1 and a finger vein 2 applied to a financial transaction relay system according to the present invention can represent a combination form.
22 and 23 are flow charts in the case where the fingerprint 1 and the finger vein 1 of the present invention are recognized at the same time.
24 and 25 are flowcharts when the fingerprint 2 and the finger vein 2 of the present invention are recognized at the same time.
Figs. 26 and 27 are flowcharts when the fingerprint 1 and the fingerprint 2 of the present invention are recognized at the same time.
Figs. 28 and 29 are flowcharts when the finger vein 1 and the finger vein 2 of the present invention are recognized at the same time.
30 is a block diagram illustrating a financial transaction system of the present invention as another embodiment.
31 is a fingerprint and finger vein recognizer for registering or authenticating the fingerprint and the fingerprint of the present invention.
32 is a fingerprint and finger vein recognizer for registering or authenticating a fingerprint and a fingerprint of the present invention as another embodiment.
33 is a diagram showing an input / output integration module for linking fingerprint and fingerprint algorithm.
34 is a diagram showing an input / output integration module for linking the fingerprint and fingerprint algorithm.
35 is a diagram showing an input / output integration module for linking the finger vein and finger vein algorithms.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may obscure the subject matter of the present invention.

FIG. 1 is a block diagram showing a network configuration of a financial transaction system as a first embodiment shown in a pre-registration application of the present applicant, FIG. 2 is a block diagram showing a configuration of a personal financial transaction relay server shown in FIG. 1 FIG. 3 is a block diagram showing a network configuration of a financial transaction system as a second embodiment shown in the pre-registration application of the present applicant, and FIG. 4 shows a configuration of the personal finance transaction relay server shown in FIG. 3 FIG. 5 is a block diagram illustrating a configuration of a part of the customer terminal shown in FIG. 3, and FIG. 6 is a flowchart illustrating a relay process of an unauthorized financial transaction using the multiple security lock function of the financial transaction relay system according to the present invention FIG. 7 is a flowchart illustrating a procedure for relaying an unauthorized financial transaction using the multiple security lock function of the financial transaction relay system according to the present invention, according to another embodiment of the present invention.

As shown in the figure, downloading a financial transaction relay application (hereinafter, referred to as a 'relay application') that forms a program allowing unauthorized access to a partner bank using a smart phone as a customer terminal, The application is downloaded (S1301).

The relaying app can be linked with the phone number registered in the wake-up card in the smartphone and the phone number described in the member information of the bank.

The execution button, which is the next step, is turned on so as to make an unauthenticated connection with the financial company affiliated with the relay app (S1302).

As a next step, a step of selecting a financial company is shown. At this time, the customer selects a financial company to lower the transaction cost (S1303).

Here, it is determined whether the user is a registered user who has been authenticated so as to be able to deal with the fingerprint or fingerprint (S1304).

{If it is an unregistered consumer, it switches to the step of going through the registration process (S1321)}.

However, in the case of the already registered user, the fingerprint and / or the fingerprint are input for the unauthorized connection for electronic transaction or financial settlement (S1305).

In this case, if the authentication of the fingerprint and / or the fingerprint is performed according to a predetermined procedure but is not authenticated, the process is terminated. If the authentication is performed in step S1306, (S1307). ≪ / RTI >

A password, a password, human body information, etc. as the authentication signal, and a desired signal is selected by the consumer.

If the authentication signal is input incorrectly or is not suitable for the requirement, the process is terminated. If the input of the authentication signal is completed (S1308), the electronic commerce or the electronic transaction is authenticated so as to pass through the middleware, The user can select the financial settlement (S1309).

After the selection of the electronic commerce or the financial settlement, the unauthorized financial transaction is relayed (S1310).

At this stage, it is possible to purchase goods according to the guidance of each financial account supplier. If there is a request for final payment at the time of relaying the unauthorized financial transaction, a fingerprint and / or a fingerprint or an authentication signal (S1311).

If the authentication is not performed, the process is terminated without settlement. If such a process is authenticated (S1312), the settlement is completed and the process is terminated (S1313).

Next, when the execution button is turned on so that the user can access the financial transaction relay app which forms a program allowing unauthorized access to the affiliate bank using the smartphone as the customer terminal, .

First, when the unauthorized access registration step (here, the guidance display is omitted), a step of selecting a financial company is displayed. At this time, the customer selects a financial company to reduce the transaction cost (S1321).

Here, it is inputted so as to be able to deal with the fingerprint and / or the fingerprint (S1322).

If it is determined that the unregistered condition is met, the process is forcibly terminated. If the authentication process is performed in step S1323, the process proceeds to step S1324.

A password, a password, human body information, etc. as the authentication signal, and a desired signal is selected by the consumer.

If the authentication signal is incorrectly input or does not meet the requirement, the process is terminated and re-established. When the input of the authentication signal is completed (S1325), it is authenticated to pass through the middleware, (S1313).

If the registration of the fingerprint and / or the fingerprint is performed according to the above procedure (S1323), the registration is made so that it can be passed to the middleware, thereby informing the consumer that an unauthorized financial transaction is possible (S1326).

8 to 10, the procedure for registering, authenticating and deleting the fingerprint of the finger vein by the recognizer or the bank will be described.

FIG. 8 is a flowchart for requesting registration of a fingerprint and a fingerprint in the present invention, FIG. 9 is a flowchart for requesting authentication of a fingerprint and a fingerprint in the present invention, FIG. 10 is a flowchart for requesting fingerprint and fingerprint deletion It is a flowchart.

First, as shown in the figure, the fingerprint and the finger vein are registered, and the fingerprint and the finger vein recognizer make a registration request (S311).

When there is a registration request in the fingerprint and fingerprint recognizer, the fingerprint and finger vein are scanned first by the finger of the person to be registered (S312).

Next, the fingerprint and the finger vein are scanned to the recognizer by the finger of the person who wants to register the fingerprint and the fingerprint of the person who intends to register after the first registration in the recognizer of the finger vein (S313).

Next, the fingerprint and finger vein are scanned by the finger of the person who intends to register the fingerprint and finger vein to the recognizer after the first registration in the fingerprint and fingerprint recognizer (S314).

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

If the three fingerprints and the fingerprint registered in the recognizer do not coincide with each other and the three scanned images do not coincide with each other, the process is resumed. If all the scanned images match, the registration is completed (S316).

This process is performed three times to register the image of the correct fingerprint and finger vein.

Next, authentication of the fingerprint and the fingerprint is performed, and the fingerprint and fingerprint recognizer make an authentication request (S321).

The fingerprint of the fingerprint and the image of the finger vein are scanned in the fingerprint and fingerprint recognizer (S322).

In step S323, the image of the fingerprint and the finger vein scanned by the finger of the registered person is compared with the image of the fingerprint and finger vein.

In step S324, it is determined whether or not the scanned image matches the fingerprint and the fingerprint recognizer.

If all of the scanned images in the fingerprint and finger vein recognizer do not coincide with each other as described above, they are restarted. If all the scanned images match, the authentication is completed (S325).

The following is a step of deleting the registration of the fingerprint and the fingerprint, and the deletion request is made from the fingerprint and the fingerprint recognizer (S331).

The code of the party to be deleted is input to the fingerprint and fingerprint recognizer (S332).

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

If the scanned image is not deleted from the recognizer of the fingerprint and the finger vein, the authentication is restarted. If the scanned image is deleted, the authentication is completed (S334).

As described above, when the fingerprint and the fingerprint are managed by a method of registering, authenticating and deleting the fingerprint and the fingerprint of the fingerprint and the fingerprint of the fingerprint and the fingerprint, the recognition degree of the fingerprint and fingerprint is further increased and the operation is simplified.

The following section describes how to build a server for a financial transaction relay system by dividing a bank, a man and a woman into households.

FIG. 11 is a table of financial companies classified according to the present invention, and is a table of the banks which can select a financial company to which the consumer desires to access unauthorized access. FIG. 12 is a table showing the banks, It is division table to register separately.

As shown in the figure, the bank classification registration unit includes a bank classification table 1300, a first banking bank 1301, a second banking bank 1302, a credit card 1303, a securities company 1304, an insurance company 1305, Electronic commerce 1306, and registers the bank of the user at the time of registration.

The unauthorized identification processing unit registers the finger information and the finger vein as "1" for male information and "2" for female information at the same time.

As shown in the drawing, the generation unit classification registration unit divides the men and women generation division table 1400 into men 1401 and women 1402, and registers them separately in units of 10 years for each household.

The following describes an apparatus of a financial transaction relay system that implements this.

FIG. 13 is a stereoscopic apparatus for photographing a fingerprint and a finger vein applied to a financial transaction relay system according to the present invention. FIG. 14 shows another embodiment of FIG. 13, in which fingerprints and finger veins applied to a financial transaction relay system are photographed FIG. 15 is a stereoscopic apparatus for photographing two finger prints and finger veins applied to a financial transaction relay system according to the present invention. FIG. 16 is a diagram showing the two-finger prints applied to a financial transaction relay system according to the present invention. 17 (a) and 17 (b) are a front view and a side view of a finger showing a finger fingerprint and a finger vein applied to a financial transaction relay system according to the present invention, FIG. 19 is a block diagram showing a network configuration applied to a financial transaction relay system according to the present invention. FIG. 19 shows an example of the entire process configuration of an authentication method using the authentication apparatus of the present invention. Fig.

As shown in FIG. 13, the present invention is an integrated photographing authentication apparatus 200 capable of photographing a fingerprint and a finger vein. The object accommodating unit 201 includes a scan panel upper case 201a forming upper and lower finger seats, And a scan panel lower case 201b for accommodating a full-length part. A scan panel 250 for simultaneously photographing a fingerprint and a finger vein made of a transparent material such as glass or acrylic is installed on the upper part of the scan panel upper case 201a And the scan panel 250 is formed with fingerprint finger contact portions 250a and finger finger noncontact portions 250b at their front and rear ends.

Finger pad non-contact portion 250b of the scan panel 250 is formed at the edge of the groove side wall 251 so that the finger pad non-contact portion 250b can be formed as a groove, Is formed so as to be in balance with the fingerprint finger contact portion 250a.

The temperature sensor 275 for sensing the temperature of the flow of the finger is formed in front of the finger finger non-contact portion 250b so as to face the finger finger contact portion 250a of the scan panel 250, The temperature of the finger and the flow of the blood flow are sensed and the finger vein can be recognized by the detected temperature and flow.

In addition, on one side, an infrared side surface case portion 260 for receiving the infrared side surface emitting portion 260a is formed in a length so that the side surface can be photographed in order to photograph the vein more accurately.

The scan panel lower case 201b is formed as a space capable of accommodating electrical components.

In addition, a finger-seating edge 253 on which a finger can be seated is formed.

Accordingly, in the first embodiment of the present invention, the user starts the finger vein authentication by placing the finger object on the scan panel 250, and when the finger vein authentication by the device is started, the infrared ray source part 240, The infrared ray and the visible line are irradiated to the finger object.

And a plurality of line-of-sight image sensors respectively photograph fingerprints and finger veins of the scanned finger.

In the first embodiment of the present invention, the integrated image sensing apparatus 200 has three image sensors 220, 230, and 231 built therein. The finger vein image sensors 230 and 231 are built in the object accommodating unit 201 and take a finger vein of the object from the lower side and the side face toward the scan panel 250. [ At the same time, the fingerprint image sensor 220 is installed in the same object accommodating unit 201 to photograph the fingerprint of the object.

In a preferred embodiment of the present invention, the finger vein image sensors 230 and 231 and the finger fingerprint image sensor 220 simultaneously capture both the finger vein fingerprint and the fingerprint fingerprint and use them as biometric information, To measure the fingers, the error range can be reduced to a maximum of the number of squares per day.

In the preferred embodiment of the present invention, the finger vein image sensor 230 and the finger fingerprint image sensor 220 can take a finger vein fingerprint and a finger vein fingerprint at one time, The fingerprint and finger vein images can be simultaneously obtained by one finger at the same time by capturing from the side of 90 degrees, and the same error range reduction effect can be obtained. When shooting the side of your finger, roll your finger 90 degrees to the side of the scan panel with your fingers on the scan panel.

13, in the fingerprint recognition unit according to the first embodiment, three image sensors 220, 230, and 231 (not shown) are attached to the integrated imaging authentication apparatus 200, However, in the second embodiment, a fingerprint recognition module 250aa is formed in place of the dual fingerprint fingerprint image sensor 220 to provide a method of determining the fingerprint by touching the fingerprint.

The fingerprint recognition module 250aa has a multi-layer thin plate structure. A fingerprint recognition layer is formed on the upper layer of the fingerprint authentication module. A temperature and blood flow sensing authentication layer is formed on the fingerprint recognition module, It can be formed so as to start its operation afterwards.

FIGS. 15 and 16 illustrate the third and fourth embodiments of the present invention using a two-finger fingerprint and a finger vein. The same reference numerals and technical terms are used for the same technical configurations as those shown in FIGS.

As shown in FIG. 15, the present invention is an integrated photographing authentication apparatus 200 capable of photographing a fingerprint and a finger vein. The object accommodating unit 201 includes a scan panel upper case 201a forming upper and lower finger seats, And a scan case lower case 201b for accommodating a full-length part. At the upper part of the upper case 201a of the scan panel, two scans for simultaneous photographing of two finger fingerprint and finger vein made of a transparent material such as glass or acrylic The panel 250n and 250r are provided so that the fingerprint finger contact parts 250an and 250ar and the finger finger noncontact parts 250bn and 250br are formed at the front and rear ends, .

The finger pad non-contact portion 250bn of one of the scan panels 250n is formed at the edge of the groove side wall 251 so as to be formed as a groove, (252) is formed to be flat with the fingerprint finger contact portion (250a).

The temperature sensor 275 for detecting the blood flow or temperature of the finger is formed in front of the finger finger non-contact portion 250bn opposite to the finger finger contact portion 250an of the scan panel 250, The finger is detected by detecting the temperature of the finger or the flow of the blood flow, and the finger vein can be recognized by the sensed temperature or flow.

In addition, a temperature sensor 205a or 205b for detecting the blood flow or temperature of the finger may be formed under the fingerprint finger contact portions 250aa and 250ab of the scan panel, or a temperature sensor 205a may be provided at any of the fingerprint authentication modules 250aa and 250ab A thin layer for authenticating the blood flow or temperature of the finger is formed on one layer so that the operation is not performed when the living body does not authenticate at the same time.

That is, instead of the temperature sensor 275, a fingerprint recognition module 250an (250ar) may be formed, which has a multi-layered thin plate structure, a fingerprint recognition layer is formed on the upper layer of the fingerprint authentication module, A temperature and a blood flow sensing authentication layer may be formed on the blood pressure monitor to detect the temperature and the blood flow of the human body and then start the operation thereof.

In addition, on one side, an infrared side surface case portion 260 for receiving the infrared side surface emitting portion 260a is formed in a length so that the side surface can be photographed in order to photograph the vein more accurately.

When the finger vein authentication is started by the device, the infrared light source units 241 and 243 and the lower side (left and right) The infrared light source units 240 and 244 irradiate the infrared rays toward the finger object.

The left and right image sensors 231 and 232 and the lower image sensors 230 and 233 respectively take a finger vein of the irradiated finger.

The scan panel lower case 201b is formed as a space capable of accommodating electrical components.

In addition, a finger-seating edge 253 on which a finger can be seated is formed.

Accordingly, in the third and fourth embodiments of the present invention, the user places the finger object on the scan panel 250n (250r) to start the fingerprint authentication and fingerprint authentication, and when fingerprint authentication and fingerprint authentication by the device are started , And the infrared light sources 240 and 244 irradiate the infrared rays toward the finger object.

The infrared light sources 241 and 243 formed on the left and right sides irradiate the infrared rays toward the finger object.

Further, the fingerprint authentication modules 250an and 250ar are installed in the same object accommodating unit 201 at the same time to authenticate the fingerprint of the object.

In this case, as shown in the multifaceted stereoscopic photographing apparatus, if the two sides of the finger vein, two sides of the finger vein, two sides of the finger vein, and two fingerprints themselves are recognized, the 6D imaging apparatus can be described.

In a preferred embodiment of the present invention, both the finger vein fingerprint and finger fingerprint are simultaneously photographed and used as biometric information, so that the error range is reduced to a maximum square of that for each fingerprint or finger vein .

The fourth embodiment of the present invention forms a fingerprint recognition module 250aa 250ab in place of the fingerprint image sensor 220 of another embodiment so as to simultaneously authenticate two fingerprints formed by only the fingerprint recognition part, And the fingerprint is judged by the touch of the finger.

Here, in order to increase the probability of security, the temperature sensors 205a and 205b for detecting the temperature of the flow of the finger described above are formed in front of the fingerprint recognition modules 250aa and 250ab, And the finger vein can be recognized by the detected temperature and flow by sensing the flow of the blood flow.

Fingerprint recognition modules 250aa and 250ab may be formed in place of the temperature sensors 205a and 205b. The fingerprint recognition modules 250aa and 250ab may be formed in a multilayer thin plate structure. A fingerprint recognition layer may be formed on the upper layer of the fingerprint authentication module. And a temperature and blood flow sensing authentication layer may be formed on the lower part to sense the temperature and blood flow of the human body and then start the operation thereof.

As shown in Figs. 17 (a) and 17 (b), the angle at which the infrared rays are respectively photographed on the inner surface and the side of one finger.

Reference numeral 1a denotes a finger vein between finger segments, 1b denotes a node of the finger, and 1c denotes a fingerprint portion.

The fingerprint image of the finger is placed on the scan panel so that the fingerprint surface of the finger touches the scan panel and the finger image is taken when the side image is taken according to the number of the finger image sensors 230, 231, 232, Make sure that the side of 90 degrees is touching the scan panel. The order of photographing of the fingerprint face and the side face of the finger of the finger may be reversed.

18 is an internal electronic configuration example of the finger vein photograph authentication apparatus according to the preferred embodiment of the present invention.

The integrated imaging authentication apparatus includes a control unit 1210, 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, 1265, a biometric information data storage 1270, and a display unit 1280.

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

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

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

Further, in one embodiment of the present invention, one infrared light source unit and one line-of-sight light source unit for irradiating infrared light and visible light to the object accommodating unit may be provided, respectively.

Digital converter 1290 receives both the finger vein image and the finger fingerprint image and extracts the finger vein image and the finger fingerprint image. Digital converter 1290, the present invention obtains a finger vein fingerprint image and a fingerprint image file.

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

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

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

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

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

The matching algorithm unit 1260 acquires user data stored in the biometric information data storage 1270 and determines whether the biometric information data stored in the biometric information data storage 1270 matches the user biometric information value acquired by the digital conversion unit 290. If they match, the display unit 1280 can output a success message. If the decryption is unsuccessful, the authentication failure message may be output to the display unit 1280.

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

Particularly the finger vein image acquisition, processing, authentication calculation, and authentication result. Various software can be used in relation to the processing and calculation of acquired finger vein images.

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

The authentication process embodiment of the authentication apparatus of the present invention is summarized again on the basis of this detailed description as shown in FIG.

First, the person to be authenticated places his / her finger in the object accommodating portion of the authentication device in the waiting state. At this time, the authentication method is a method of photographing the bottom and / or side of the fingerprint surface and the finger vein of one finger.

In the embodiment in which only one finger is authenticated, the infrared rays, the line-of-sight capturing (S200), the finger vein fingerprinting (S210) on the fingerprint surface and the side of one finger are alternately performed 2 to 3 times do.

That is, S200 and S210 are performed on the fingerprint surface of one finger, and then S200 and S210 are performed on the side surface of the same finger. The captured finger vein fingerprint images are converted into digital images.

In step S215, the male and female customer information is registered in the male and female identification processor 265 while registering "1" for male and "2" for female at the time of registration.

If the customer information is registered in the customer client or the merchant client and the procedure for determining the same is made, the probability of false recognition of the present invention can be reduced to 1/2.

The customer information includes information such as name, male and female, contact information such as an authenticated mobile phone number, a password, an e-mail address, an e-mail address, Address, and the like.

Next, the control unit extracts the photographed fingerprint and the finger vein image (S220). At this time, the finger fingerprint extracted from the finger fingerprint image and the two corrugations are extracted as shown in Figs. 17 (a) And can be processed as an edge image of the vein using the above-described Canny edge detection algorithm.

In step S225, the male and female customer information registered in the male and female identification processor 265 is divided into "1" for male and "2" for female to discriminate the information.

Then, the biometric data of the user stored in the biometric information data storage is compared with the fingerprint of the image-processed finger obtained "now" and the finger vein image to determine success of fingerprint authentication and finger vein authentication in case of a match, It is judged as a failure.

The authentication result is displayed through the display unit. It may be a result accompanied by a voice.

The system of such an electronic settlement system can be described as an embodiment as follows.

A customer client connected to the communication network and acquiring information of a customer's own first fingerprint and / or fingerprint information and inputting a user input of "1" and an input of "2" of a man, The merchant client acquiring the first fingerprint and / or fingerprint information for the customer of the customer client and the information inputting "1" for the man and "2" for the man, And / or finger vein information from the merchant client, the information of the first fingerprint and / or the fingerprint information and the information of the man entered as "1" and the second finger as "2" When the information input by the man is "1" and the input by the woman is "2" is transmitted, the inputted two fingerprints and / or fingerprint information are compared with the information inputted by the man of "1" , The client is authenticated And a settlement service server for processing the settlement through the settlement means corresponding to the information inputted by the first fingerprint and / or the fingerprint information and the man "1" and the woman "2 " And / or an electronic payment system using the finger vein recognition.

In a method of processing an electronic payment system using fingerprint or / and fingerprint recognition, a fingerprint and / or a fingerprint payment application may be provided to a fingerprint and / or a fingerprint payment service server of the electronic payment system, And / or a FingerPrinting service server via a network, downloading the fingerprint and / or FingerPrinting application and installing the fingerprint and / or FingerPrinting application in the fingerprint and / or FingerPrinting service server, Acquiring the first fingerprint and / or fingerprint information of the customer through the first fingerprint and / or the fingerprint recognizer of the customer client, and acquiring the first fingerprint and / or fingerprint information obtained through the communication network To the fingerprint and / or fingerprint settlement service server; and providing the fingerprint and / Activates the vein payment application and obtains the information inputted by the man as "1" and the woman as "2" by classifying the client as the client, and transmits the obtained man information "1" and the woman information "2" A fingerprint and / or a fingerprint service server; and the first fingerprint and / or fingerprint information provided from the client client by the fingerprint and / or fingerprint settlement service server are "1" Quot; 2 "in the database, and transmits the first fingerprint and / or fingerprint information to the credit card company server through the communication network, And the first fingerprint and / or fingerprint information transmitted from the fingerprint and / or the FPC service server by the credit card company server and the information inputted by the man as "1" and the female as "2" Pay to your payment method It is done by a step of registering.

Then, the first fingerprint and / or the fingerprint information of the customer and the first fingerprint and / or the fingerprint information of the customer from the first fingerprint and / or the fingerprint recognizer of the merchant client connected to the communication network are inputted as "1" And the fingerprint and / or the fingerprint information, the information inputted by the male and the female, respectively, and the payment information according to the occurrence of the commerce, to the fingerprint and / or the fingerprint settlement service server And the fingerprint and / or fingerprint payment service server transmits the first fingerprint and / or fingerprint information transmitted from the merchant client to the first fingerprint and / or fingerprint registered in the database, Comparing the fingerprint information and the fingerprint information with each other to determine a customer authentication; and if the two fingerprint and / or fingerprint information registered as a result of the discrimination match information inputted as "1" for a man and "2" for a man,And / or the credit card payment service server, so that settlement is made to the payment means of the customer matched with the information inputted by the first fingerprint and / or the fingerprint information and the information inputted by the man as "1" and the woman as "2" Requesting payment approval to the server, and the first fingerprint and / or fingerprint information requested by the credit card company server and the payment means of the customer corresponding to the information inputted as "1" for the man and "2" for the man And a step of notifying the franchisee client of the approval of the settlement with the fingerprint and / or the fingerprint settlement service server if the payment is approved through the electronic payment system As shown in Fig.

In addition, as information for discriminating men and women, information inputted as "1" for a man and "2" for a woman can be downloaded as an option at the time of registration of a fingerprint and / or a fingerprint by downloading an application from an electronic payment system, It is possible to satisfy the desire of.

Therefore, if the probability of error of one fingerprint is one hundred thousandths, it is lowered to 80% of recognition, and if two modules are used simultaneously, it will be one sixth As the results show, there is a probability of covering the population of the earth, and consequently it can be concluded that there can not be two identical fingerprints in reality.

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

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

The following describes how to shoot two fingers.

First, the person to be authenticated places his / her finger in the object accommodating portion of the authentication device in the waiting state. At this time, the authentication method is a method of photographing the lower finger and / or the side of the fingerprint surface of the two fingers and the finger vein.

In the embodiment in which two fingers are used for authentication, infrared imaging (S200), finger vein fingerprinting (S210) on the fingerprint surface and the lower or side of the two fingers are alternately performed 2 to 3 times do.

That is, S200 and S210 are performed on the fingerprint surface of the two fingers, and then S200 and S210 are performed on the side surface of the same finger. The captured finger vein fingerprint images are converted into digital images.

Here, either the bottom or the side may be omitted depending on the design.

Next, the control unit extracts the photographed fingerprint and the finger vein image (S220). At this time, the finger fingerprint extracted from the finger fingerprint image and the two corrugations are extracted as shown in Figs. 17 (a) And can be processed as an edge image of the vein using the above-described Canny edge detection algorithm.

Then, the biometric data of the user stored in the biometric information data storage is compared with the fingerprint of the image-processed finger obtained "now" and the finger vein image to determine success of fingerprint authentication and finger vein authentication in case of a match, It is judged as a failure.

The authentication result is displayed through the display unit. It may be a result accompanied by a voice.

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

The following explains how to use images that recognize fingerprints and fingerprints.

FIG. 20 is a view showing fingerprint and finger vein images of two fingers according to the present invention, and FIG. 21 is a view showing fingerprint 1 and fingerprint 2 of the present invention and finger vein 1 and finger vein 2 in combination Is a matrix table.

In this case, there are six cases in which a plurality of images of fingerprints and finger veins can be at least a plurality.

2) finger vein 1 (250bn) and finger vein 2 (250br); 3) fingerprint 1 (250an) and finger vein 1 (250bn); and 4) fingerprint 2 fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint fingerprint It is possible to cover the population of the earth with only two combinations.

The following is a description of how these fingerprints and fingerprints can be combined to relay financial transactions with unauthorized approval through middleware approval.

Figs. 22 and 23 are flowcharts when the fingerprint 1 and the finger vein 1 of the present invention are simultaneously recognized. Figs. 24 and 25 are flowcharts when the fingerprint 2 and the finger vein 2 of the present invention are recognized at the same time, And 27 is a flowchart when fingerprint 1 and fingerprint 2 of the present invention are simultaneously recognized. FIGS. 28 and 29 are flowcharts when finger vein 1 and finger vein 2 of the present invention are recognized at the same time.

22 and 23, the fingerprint 1 of the present invention and the finger vein 1 are recognized at the same time.

22, the financial transaction relay system 2 of the present invention accesses the financial transaction relay server 100 through the communication network 4 in step S150 and subscribes to the member in step S152 . At this time, the customer terminal 200 inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

In step S154, the customer terminal 200 acquires finger vein 1 information and fingerprint 1 information through the finger vein 1 recognizer 210 and the fingerprint 1 recognizer 220, and transmits finger vein 1 information and fingerprint 1 through the communication network 4 The financial transaction relay server 100 registers the fingerprint 1 information and the fingerprint 1 information in response to the customer terminal 200. At this time, the financial transaction relay server 100 stores the fingerprint 1 information and the fingerprint 1 information in the database.

In step S156, the financial transaction relay server 100 firstly recognizes the fingerprint 1 in order to perform the electronic financial transaction and the electronic commerce, and discriminates whether the fingerprint 1 information matches the fingerprint 1 information stored in the database in step S158, Authenticate the user.

As a result of the determination, if the two pieces of information match, the finger vein 1 is recognized in step S164, and it is determined in step S166 whether the finger vein 1 information stored in the database matches.

As a result of the determination, if the two finger vein 1 information matches, the procedure proceeds to step S168 where the multiple safety lock module 110 firstly opens the database of the financial transaction relay server 100 through the middleware approval processing unit 120 In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication and processes the transaction so as to relay the financial transaction.

However, if the financial transaction relay server 100 does not match any of the fingerprint 1 information and the fingerprint 1 information from the customer terminal 200 in steps S158 and S166, the flow advances to step S172 to perform electronic financial transactions and electronic commerce Thereby blocking the connection of the financial transaction relay server 100 from being processed.

Since fingerprint 1 recognition is possible only in the living state, it is possible only by the user himself, and the security effect does not change even if the process of the additional password is omitted.

FIG. 23 is a flowchart illustrating a process flow of a financial transaction relay system having multiple security lock functions for simultaneously scanning a fingerprint 1 and a finger vein 1 according to another embodiment of the present invention, to be. In this embodiment, the fingerprint 1 information and the fingerprint 1 information are processed in the case where the user identification is difficult, and the fingerprint 1 information is subjected to the primary user authentication. If the fingerprint 1 information is difficult to identify in the primary, And carries out the user authentication using the designated MAC 1 information by car.

That is, the financial transaction relay system 2 of the present invention scans the fingerprint 1 and the fingerprint 1 simultaneously from the fingerprint 1 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 at step S180, Information and fingerprint 1 information to the financial transaction relay server 100.

In step S182, the financial transaction relay server 100 recognizes the fingerprint 1 information and the fingerprint 1 information. In step S184, the fingerprint 1 information is compared with the fingerprint 1 information stored in the database to determine whether the fingerprint 1 information is unique.

As a result of the determination, if the fingerprint 1 information is unique, the procedure proceeds to step S188. If it is not unique, that is, if the fingerprint 1 information is the same or similar and the user identification is difficult, the fingerprint 1 information is stored in the database And judges whether it is unique compared with the fingerprint 1 information.

As a result of the determination, if the finger vein 1 information is unique, the procedure advances to step S188 to process user authentication for firewall cancellation and blocking.

In step S192, the firewall is released so that the multiple security lock module 110 can open the database of the financial transaction relay server 100 through the middleware approval processing part 120. Then, in step S194, the financial transaction relay server 100 performs authentication And is connected to the electronic financial transaction system 300 or the electronic commerce system 400 so as to relay the financial transaction.

However, if it is determined in step S186 and step S190 that the user terminal 200 can not authenticate the user using fingerprint 1 information and fingerprint 1 information, the flow advances to step S196 to prevent the electronic financial transaction and the electronic commerce from being processed. (100).

24 and 25, the fingerprint 2 of the present invention and the finger vein 2 are recognized at the same time.

That is, according to an embodiment of the present invention, a processing procedure of a financial transaction relay system having multiple security lock functions using authentication between a fingerprint 2 and a fingerprint 2 is different from that shown in FIG.

24, the financial transaction relay system 2 of the present invention accesses the financial transaction relay server 100 through the communication network 4 at step S150 and registers the member as a member at step S152 do. At this time, the customer terminal 200 inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

In step S154, the customer terminal 200 acquires fingerprint 2 information and fingerprint 2 information through the finger vein 2 recognizer 210 and the fingerprint 2 recognizer 220, and transmits the finger vein 2 information and the fingerprint 2 The financial transaction relay server 100 registers fingerprint 2 information and fingerprint 2 information in correspondence with the customer terminal 200. At this time, the financial transaction relay server 100 stores the fingerprint 2 information and fingerprint 2 information in the database.

In step S156, the financial transaction relay server 100 first recognizes the fingerprint 2 in order to perform the electronic financial transaction and the electronic commerce, and determines whether the fingerprint 2 matches the fingerprint 2 information stored in the database in step S158, Authenticate the user.

As a result of the determination, if the two pieces of information match, the fingerprint 2 is secondarily recognized in step S164, and it is determined in step S166 whether or not it coincides with the fingerprint 2 information stored in the database.

As a result of the determination, if the two fingerprint 2 information match, the procedure proceeds to step S168, where the multiple safety lock module 110 firstly opens the database of the financial transaction relay server 100 through the middleware approval processing unit 120 In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication and processes the transaction so as to relay the financial transaction.

However, if the financial transaction relay server 100 does not match any of the fingerprint 2 information and the fingerprint 2 information from the customer terminal 200 in steps S158 and S166, the flow advances to step S172 to perform electronic financial transactions and electronic commerce Thereby blocking the connection of the financial transaction relay server 100 from being processed.

In the case of fingerprint 2 recognition, since it is possible only in the living state, it is possible only by the user, and the security effect does not change even if the process of the additional password is omitted.

FIG. 25 is a flowchart illustrating the processing procedure of a financial transaction relay system having multiple security lock functions for simultaneously scanning a fingerprint 2 and a fingerprint 2 according to another embodiment of the present invention, to be. In this embodiment, the fingerprint 2 information is the same as or similar to the fingerprint 2 information and is processed in the case where the user identification is difficult. In this case, the fingerprint 2 information is used to process the primary user authentication. And carries out the user authentication using the designated MAC 2 information by car.

That is, in step S180, the financial transaction relay system 2 of the present invention scans the designated MAC 2 and fingerprint 2 simultaneously from the MAC 2 identifier 210 and the fingerprint 2 identifier 220 of the customer terminal 200, Information and fingerprint 2 information to the financial transaction relay server 100.

In step S182, the financial transaction relay server 100 recognizes the fingerprint 2 information and the fingerprint 2 information. In step S184, the fingerprint 2 information is compared with the fingerprint 2 information stored in the database to determine whether the fingerprint 2 information is unique.

As a result of the determination, if the fingerprint 2 information is unique, the procedure proceeds to step S188, and if it is not unique, that is, if the fingerprint 2 information is the same or similar and the user identification is difficult, the fingerprint 2 information is stored in the database And judges whether it is unique compared with the fingerprint 2 information.

As a result of the determination, if the finger vein 2 information is unique, the procedure proceeds to step S188 to process user authentication for firewall cancellation and blocking.

In step S192, the firewall is released so that the multiple security lock module 110 can open the database of the financial transaction relay server 100 through the middleware approval processing part 120. Then, in step S194, the financial transaction relay server 100 performs authentication And is connected to the electronic financial transaction system 300 or the electronic commerce system 400 so as to relay the financial transaction.

However, if it is determined in step S186 and step S190 that the user terminal 200 can not authenticate the user by using the fingerprint 2 information and the fingerprint 2 information, the flow proceeds to step S196 to prevent the electronic financial transaction and the electronic commerce from being processed. (100).

The following is a description of how these fingerprints and fingerprints can be combined to relay financial transactions with unauthorized approval through middleware approval.

Figs. 26 and 27 are flowcharts when the fingerprint 1 and the fingerprint 2 of the present invention are simultaneously recognized. Figs. 28 and 29 are flowcharts when the finger vein 1 and the finger vein 2 of the present invention are recognized simultaneously, Is a block diagram illustrating the financial transaction system of the present invention.

A flowchart when the fingerprint 1 and the fingerprint 2 of the present invention shown in Figs. 26 and 27 are recognized simultaneously will be described.

26, the financial transaction relay system 2 of the present invention accesses the financial transaction relay server 100 through the communication network 4 at step S150 and subscribes to the member at step S152 . At this time, the customer terminal 200 inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

The customer terminal 200 obtains the fingerprint 2 information and the fingerprint 1 information through the fingerprint 2 recognizer 210 and the fingerprint 1 recognizer 220 at step S154 and transmits the fingerprint 2 information and the fingerprint 1 information to the financial The financial transaction relay server 100 registers fingerprint 2 information and fingerprint 1 information in response to the customer terminal 200. At this time, the financial transaction relay server 100 stores the fingerprint 2 information and fingerprint 1 information in the database.

In step S156, the financial transaction relay server 100 firstly recognizes the fingerprint 1 in order to perform the electronic financial transaction and the electronic commerce, and discriminates whether the fingerprint 1 information matches the fingerprint 1 information stored in the database in step S158, Authenticate the user.

As a result of the determination, if the two pieces of information coincide, the fingerprint 2 is secondarily recognized in step S164, and it is determined in step S166 whether the fingerprint information matches the fingerprint 2 information stored in the database.

As a result of the determination, if the two pieces of fingerprint information match each other, the procedure proceeds to step S168 so that the multiple safety lock module 110 can open the database of the financial transaction relay server 100 through the middleware approval processing unit 120 The firewall is released and then the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication in step S170 so as to relay the financial transaction.

However, if the financial transaction relay server 100 does not match any one of the fingerprint 2 information and the fingerprint 1 information from the customer terminal 200 in steps S158 and S166, the flow advances to step S172 to process electronic financial transactions and electronic commerce transactions The connection of the financial transaction relay server 100 is blocked.

Since fingerprint 1 recognition is possible only in the living state, it is possible only by the user himself, and the security effect does not change even if the process of the additional password is omitted.

FIG. 27 is a flowchart illustrating a process procedure of a financial transaction relay system having multiple security lock functions for simultaneously scanning a fingerprint 1 and a fingerprint 2 according to another embodiment of the present invention to process user authentication . In this embodiment, the fingerprint 1 information and the fingerprint 2 information are processed in the case where the user identification is difficult, so that the primary user authentication is processed with the fingerprint 1 information. If the user identification is difficult at the first step, And fingerprint 2 information is used to process user authentication.

That is, in step S180, the financial transaction relay system 2 of the present invention scans the fingerprint 2 and the fingerprint 1 simultaneously from the fingerprint 2 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200, 1 information to the financial transaction relay server 100.

In step S182, the financial transaction relay server 100 recognizes the fingerprint 1 information and the fingerprint 2 information, and in step S184, the fingerprint 1 information is compared with the fingerprint 1 information stored in the database to determine whether it is unique.

As a result of the determination, if the fingerprint 1 information is unique, the procedure proceeds to step S188. If it is not unique, that is, if it is difficult to identify the user because the fingerprint 1 information is the same or similar, the fingerprint 2 information is stored in the database in step S186 2 information to determine whether it is unique.

As a result of the determination, if the fingerprint 2 information is unique, the process proceeds to step S188 to process user authentication for firewall cancellation and blocking.

In step S192, the firewall is released so that the multiple security lock module 110 can open the database of the financial transaction relay server 100 through the middleware approval processing part 120. Then, in step S194, the financial transaction relay server 100 performs authentication And is connected to the electronic financial transaction system 300 or the electronic commerce system 400 so as to relay the financial transaction.

However, if it is determined in step S186 and step S190 that the user terminal 200 can not authenticate the user by using the fingerprint 1 information and the fingerprint 2 information, the flow proceeds to step S196 to prevent the electronic financial transaction and the electronic commerce from being processed. 100 from the outside.

The flowchart of the case where the finger vein 1 and the finger vein 2 of the present invention shown in Figs. 28 and 29 are recognized simultaneously will be described.

That is, FIGS. 28 and 29 are flowcharts illustrating different processing procedures of a financial transaction relay system having multiple security lock functions using fingerprint authentication according to an embodiment of the present invention.

28, the financial transaction relay system 2 of the present invention accesses the financial transaction relay server 100 through the communication network 4 in step S150 and subscribes to the member in step S152 . At this time, the customer terminal 200 inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

In step S154, the customer terminal 200 acquires finger vein 2 information and finger vein 1 information through the finger vein 2 recognizer 210 and the finger vein 1 recognizer 220, When the financial transaction relay server 100 transmits the fingerprint 1 information to the financial transaction relay server 100, the financial transaction relay server 100 registers fingerprint 2 information and fingerprint 1 information corresponding to the customer terminal 200. At this time, the financial transaction relay server 100 stores the fingerprint 2 information and the fingerprint 1 information in the database.

In step S156, the financial transaction relay server 100 firstly recognizes the finger vein 1 in order to perform the electronic financial transaction and the electronic commerce, and discriminates whether the finger vein 1 matches the finger vein 1 information stored in the database in step S158, ). ≪ / RTI >

As a result of the determination, if the two pieces of information match, the fingerprint 2 is secondarily recognized in step S164, and it is determined in step S166 whether or not it coincides with the fingerprint 2 information stored in the database.

As a result of the determination, if the two fingerprint 2 information match, the procedure proceeds to step S168, where the multiple safety lock module 110 firstly opens the database of the financial transaction relay server 100 through the middleware approval processing unit 120 In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication and processes the transaction so as to relay the financial transaction.

However, if the financial transaction relay server 100 does not match any of the fingerprint 2 information and the fingerprint 1 information from the customer terminal 200 in steps S158 and S166, the flow advances to step S172 to perform electronic financial transaction and electronic commerce The connection of the financial transaction relay server 100 is blocked.

In the case of fingerprint 1 recognition, only the user can do this because it is possible only in a live state, and the effect of security is not changed even if the process of the password addition is omitted.

FIG. 29 is a diagram illustrating a processing procedure of a financial transaction relay system having multiple security locking functions for simultaneously scanning finger vein 1 and finger vein 2 according to another embodiment of the present invention to process user authentication FIG.

In this embodiment, since the finger vein 1 information and the finger vein 2 information are the same or similar and are processed when the user identification is difficult, the first user authentication is processed by the finger vein 1 information. If the user identification is difficult , And secondarily handles the user authentication using the designated MAC 2 information.

29, the financial transaction relay system 2 of the present invention simultaneously transmits the finger vein 2 from the finger vein 2 recognizer 210 and the finger vein 1 recognizer 220 of the customer terminal 200 at step S180, The finger vein 1 is scanned to provide the finger vein 2 information and finger vein 1 information to the financial transaction relay server 100.

In step S182, the financial transaction relay server 100 recognizes the finger vein 1 information and the finger vein 2 information, and in step S184, the finger vein 1 information is compared with the finger vein 1 information stored in the database to determine whether it is unique.

As a result of the determination, if the fingerprint 1 information is unique, the procedure proceeds to step S188. If the fingerprint information is not unique, that is, if the fingerprint 1 information is the same or similar, Is compared with the finger vein 2 information stored in the fingerprint information storage unit.

As a result of the determination, if the finger vein 2 information is unique, the procedure proceeds to step S188 to process user authentication for firewall cancellation and blocking.

In step S192, the firewall is released so that the multiple security lock module 110 can open the database of the financial transaction relay server 100 through the middleware approval processing part 120. Then, in step S194, the financial transaction relay server 100 performs authentication And is connected to the electronic financial transaction system 300 or the electronic commerce system 400 so as to relay the financial transaction.

However, if it is determined in step S186 and step S190 that the user terminal 200 can not authenticate the user by using the fingerprint 1 information and the fingerprint 2 information, the flow advances to step S196 to perform the electronic financial transaction and electronic transaction The server 100 is disconnected.

As described above, the present invention can be implemented by a method using six metrics in conjunction with the above-described embodiment. Accordingly, by combining two or more as human body information, it is possible to escape the concern of imitation or hacking, Or it may be the only way to resolve the error of the finger.

30 is a block diagram illustrating a financial transaction system of the present invention.

3, the financial transaction relay system 2 of the second embodiment of the present invention uses the middleware firewall 120 to transmit the fingerprint authentication, the fingerprint authentication, and at least one of the password and the telephone number to the financial transaction relay server 100 The user is registered as a member through the authentication of the user.

In this embodiment, the fingerprint recognizer 210 and the finger vein recognizer 220 are provided as one module 202, so that fingerprint and finger vein can be simultaneously scanned during user authentication.

The financial transaction system described in FIG. 30 is described as "(X) recognizer 210 and (Y) recognizer 220" instead of "fingerprint recognizer 210 and finger vein recognizer 220" of the second invention X or Y is replaced with another recognition means.

Hereinafter, the same reference numerals are used and the description thereof will be omitted.

The following describes the recognizer that recognizes fingerprints and fingerprints.

FIG. 31 is a fingerprint and finger vein recognizing device for registering or authenticating a fingerprint and a fingerprint of the present invention, and FIG. 32 is a fingerprint and finger vein recognizing device for registering or authenticating the fingerprint and fingerprint of the present invention as another embodiment.

31, a finger receiving portion 1523 is provided on the front surface of the authenticator 1500 so that a finger can be placed to scan a fingerprint and a finger vein. The finger receiving portion 1523 is provided with a scan portion 1502, . At this time, it is preferable that the finger receiving portion 1523 is formed of a transparent material through which the infrared rays and visible rays of the fingerprint scanning portion 1520 and the maxima can part 1521 can be transmitted.

The fingerprint scanning unit 1520 forms a line-of-sight light source unit 1520a and a fingerprint image sensor 1520b for photographing the fingerprint of the finger on the edge of the finger receiving unit 1523. [ At this time, the line-of-sight light source unit 1520a may be inclined toward the contact surface where the finger is in contact with the recognizer 1500 so that the line of sight may be irradiated to the entire fingerprint of the finger, and the finger receiver 1523, A reflection member 1520c that reflects the finger contact surface to the fingerprint image sensor 1520b at the lower part of the contact surface of the fingerprint image sensor 1520b may be formed to increase the degree of positional freedom of the fingerprint image sensor 1520b.

Therefore, even if the fingerprint image sensor 1520b is formed at the edge, the finger contact surface is reflected through the reflection member 1520c, so that the fingerprint of the finger can be photographed. At this time, the reflecting member 1520c may be formed as a flat surface or a curved surface depending on the installation environment.

In addition, the line-of-sight light source unit 1520a and the fingerprint image sensor 1520b of the fingerprint scan unit 1520 may be formed in pairs at opposite positions or may have a plurality of line-of-sight light sources 1520a.

The maxima cansection 1521 includes a finger vein image sensor 1521b for photographing the finger of the infrared light source unit 1521a and the fingers horizontally higher than the contact surface at which the finger contacts the recognizer 1500 at the edge of the finger receiving unit 1523, So that the infrared rays irradiated from the infrared light source unit 1521a transmit the finger and are recognized by the finger vein image sensor 1521b.

Here, the infrared light source unit 1521a and the finger vein image sensor 1521b of the specific max can section 1521 may be formed in pairs at opposite positions, or may be formed by a plurality of infrared light source units 1521a and a finger vein image sensor 1521b may be formed.

The infrared light source unit 1521a irradiates infrared light having a wavelength of 630 to 1,000nm suitable for photographing a finger vein image toward the finger receiving unit 1523, and may be composed of one or more LEDs. Also, an optical filter (not shown) is preferably installed to remove the optical noise.

On the other hand, the infrared light source unit 1521a and the visible light source unit 1520a are formed as one module, and a plurality of infrared light sources 1521a and 1520a are provided on the outer side of the finger accommodating unit 1523 so that infrared rays and visible rays are irradiated uniformly on the fingers, It is possible to form an optimum environment for acquiring Mac data.

In addition, a living body switch portion 1522 is formed in the finger receiving portion 1523 to activate the card controller using the bioelectricity generated through the difference between the temperature of the finger and the ambient temperature when the finger is touched, So that the scan unit 1502 can be operated.

That is, even if the power is turned off in the standby state, the card controller can be activated by the bioelectricity generated when the finger contacts the finger receiving portion 1523, so that the standby power can be reduced and the standby power load can be reduced, It is possible to reduce the size of solar panels and accumulators, thus improving space utilization.

As shown in FIG. 32, the fingerprint and finger vein recognizing apparatus according to the present invention are different from the embodiment shown in FIG. 31 in that the fingerprint and the finger vein of the present invention are registered or authenticated, A fingerprint reader 1600 is installed at the position of the fingerprint scanning unit 1520 to recognize and authenticate the fingerprint 1600a of the finger. .

As a result, in the above-described embodiment, space is less occupied as compared with a facility mechanism such as visible light and the manufacturing is simple.

The integration module for linking the fingerprint and the fingerprint algorithm to implement this can be described as follows.

FIG. 33 is a diagram showing an input / output integration module for linking fingerprint and fingerprint algorithm, FIG. 34 is a diagram showing an input / output integration module for linking fingerprint and fingerprint algorithms, and FIG. And an input / output integration module for linking algorithms.

As shown in FIG. 33, the input / output integration module U1 for simultaneously linking fingerprint and fingerprint algorithm comprises a fingerprint module U2, a fingerprint module U3, and a conversion module U4.

First, the fingerprint module U2 will be described.

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

Here, 232 communication is a serial communication standard.

Next, the finger vein module U3 will be described.

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

Here, 485 communication is a serial communication standard.

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

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

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

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

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

The fingerprint and fingerprint algorithm of the present invention can be represented as follows.

int getfingerauthorization (int fingerprintcode, int fingerveincode)

{

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

    {

return fingerprintcode;

    }

    return 0;

}

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

The following is a more detailed description.

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

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

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

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

As shown in FIG. 34, the input / output integration module U1 for simultaneously linking the algorithms of the fingerprint 1 and the fingerprint 2 comprises a fingerprint module 1 (U2) and a fingerprint module 2 (U3).

First, the fingerprint module 1 (U2) will be described.

The GND line 1 of the fingerprint module 1 (U2) functions as a 0V grounding function as a reference of the (-) voltage circuit, and the line RX 2 serves as a serial data receiving port to control the fingerprint module 1, Line 3 is a serial data transmission port that reads the status of the fingerprint module 1 and line 4 of VCC functions as a voltage input of + 5V based on the (+) voltage of the power supply circuit. The image sensor scans the fingerprint and compares the fingerprint image with a previously stored image to output the registered authentication code of the person in the 232 communication when there is a person of the same fingerprint image.

Here, 232 communication is a serial communication standard.

The following describes the fingerprint module 2 (U3).

The GND line 1 of the fingerprint module 2 (U3) functions as a 0V grounding function as a reference of the (-) voltage circuit, and the line RX 2 serves as a serial data receiving port to control the fingerprint module. Line is a serial data transmission port that reads the status of the fingerprint module and line 4 of VCC functions as a + 5V voltage input function based on the (+) voltage of the power supply circuit. The fingerprint is scanned and compared with a previously stored image, and if there is a person of the same fingerprint image, the registered authentication code of the person is outputted through the 232 communication.

Here, 232 communication is a serial communication standard.

The fingerprint 1 (U2) and fingerprint 2 (U3) input and the USB output integration module U1 will be described.

The D1 / TX1 line of the integration module U1 is a serial 232 communication transmission port and functions as a data transmission function to a computer. The D0 / RX2 line is a serial 232 communication reception port. , GND line 4 functions as a negative voltage reference and functions as a 0V grounding function and line D2 5 is a fingerprint module 1 (U2) serial 232 communication transmission line. It functions to transmit commands to the fingerprint module 1, D3 Line 6 is the fingerprint module 1 (U2) serial 232 communication reception line. It receives the status value of the fingerprint module 1. D9 line 12 is the fingerprint module 2 (U3) serial 232 communication transmission line. And D10 13 is a fingerprint module 2 (U3) serial 232 communication reception line. It receives the status value of the fingerprint module 2, and the 5V line 27 is a (+) function. Supply 5V voltage of fingerprint module 1 (U2) and fingerprint module 2 (U3) as 5V voltage output pin , The GND line 29 functions as a reference voltage of 0V and the VIN line 30 functions as a (+) voltage reference and functions as a + 5V voltage input. The fingerprint 1 authentication code (unique number of the customer whose fingerprint is registered) output from the fingerprint module 1 (U2) and the fingerprint 2 authentication code (unique number of the customer registered fingerprint) output from the fingerprint module 2 (U3) When the authentication code of the fingerprint 1 (U2) matches the authentication code of the fingerprint 2 (U3), the module receives the authentication code from the module U1 and outputs the authentication code via USB.

The fingerprint 1 and fingerprint 2 algorithms of the present invention can be represented as follows.

int getfingerauthorization (int fingerprintcode1, int fingerprintcode2)

{

    if (fingerprintcode1> 0 && fingerprintcode2> 0 && fingerprintcode1 == fingerprintcode2))

    {

return fingerprintcode1;

    }

    return 0;

}

The above algorithm allows the authentication code to be accepted only when the fingerprint 1 (U2) authentication code and the fingerprint 2 (U3) authentication code are received from the integration module (U1) and the fingerprint 1 (U2) .

The following is a more detailed description.

The fingerprint module 1 (U2) searches the fingerprint 1 and if there is a person matching the fingerprint, the unique number of the person is output.

The fingerprint module 2 (U3) searches the fingerprint 2 and if there is a person matching the fingerprint, the unique number of the person is output.

The fingerprint code of the fingerprint module 1 (U2) and the fingerprint code of the fingerprint module 2 (U3) are inputted as fingerprintcode1 and fingerprintcode2 which are the arguments of the function name getfingerauthorization of the above algorithm, so that both argument values are valid, The fingerprint 1 (U2) and fingerprint 2 (U3) integration module output the corresponding person's code only when the customer's unique number (person code value) matches.

When the other fingerprint code is invalid or does not match, an error code of 0 is output.

As shown in FIG. 35, the input / output integration module U1 for simultaneously linking the algorithms of the finger vein 1 and the finger vein 2 comprises a finger vein module 1 (U2) and a finger vein module 2 (U3).

First, the finger vein module 1 (U2) will be described.

The GND line 1 of the finger vein module 1 (U2) has a grounding function of 0 V as a reference of a negative voltage, and the line A 2 is a serial communication standard RS485 communication A port, B line 3 is a serial communication standard RS485 communication B port for receiving and transmitting data and VCC line 4 is a +5 V voltage reference for the power supply circuit, Transmits infrared rays through a finger, transmits a registered authentication code of the person through 485 communication when a vein is scanned from a camera image sensor and compared with a vein image stored in advance and there is a person with the same image.

Here, 485 communication is a serial communication standard.

The following describes the 485-232 conversion module U4.

The GND line 1 on the left side of the conversion module U4 has a 0V grounding function as a reference of the negative voltage and the A 2 line is a serial communication standard RS485 communication A port for data reception and transmission functions, The line 3 is a serial communication standard RS485 communication B port, and functions as a data receiving and transmitting function. The line VCC 4 is a (+) voltage reference and functions as a voltage input of + 5V. 1 (U2), converts the 485 signal to 232, and outputs the converted signal.

The line DI5 on the right side of the conversion module U4 is a serial 232 communication reception port and receives data. RE6 line is a 485 communication control port, and controls the transmission / reception state of the 485 communication module DE line 7 is a 485 communication control port that controls the sending / receiving status of the 485 communication module. RO line 8 is a serial 232 communication sending port, Module U1.

The following describes the finger vein module 2 (U3).

The GND line 1 of the finger vein module 2 (U3) has a grounding function of 0V as a reference of a negative voltage, and the line A 2 is a serial communication standard RS485 communication A port, B line 3 is a serial communication standard RS485 communication B port for receiving and transmitting data and VCC line 4 is a +5 V voltage reference for the power supply circuit, Transmits infrared rays through a finger, transmits a registered authentication code of the person through 485 communication when a vein is scanned from a camera image sensor and compared with a vein image stored in advance and there is a person with the same image.

Here, 485 communication is a serial communication standard.

The following describes the 485-232 conversion module U5.

The GND line 1 on the left side of the conversion module U5 has a 0V grounding function as a reference of the negative voltage and the A 2 line is a serial communication standard RS485 communication A port for receiving and transmitting data, The line 3 is a serial communication standard RS485 communication B port, and functions as a data receiving and transmitting function. The line VCC 4 is a (+) voltage reference and functions as a voltage input of + 5V. 2 (U3), converts the 485 signal to 232, and outputs the converted signal.

The line DI5 on the right side of the conversion module U5 is a serial 232 communication reception port and receives data. RE6 line is a 485 communication control port, and controls the transmission / reception state of the 485 communication module DE line 7 is a 485 communication control port that controls the sending / receiving status of the 485 communication module. RO line 8 is a serial 232 communication sending port, Module U1.

The input of the finger 1 (U2) and the finger 2 (U3) and the USB output integration module U1 will be described.

The D1 / TX1 line of the integration module U1 is a serial 232 communication transmission port and functions as a data transmission function to a computer. The D0 / RX2 line is a serial 232 communication reception port. , GND line 4 has 0V grounding function as a voltage reference and D2 5 line is a serial 232 communication send port of 485-232 conversion module U4 to control the finger vein module U2 D3 line 6 is the 485 control port of the 485-232 conversion module U4 and controls the sending / receiving state of the 485 module. D4 line 7 is the 485-232 conversion module of the 485-232 conversion module U4 The control port is used to control the sending / receiving state of the 485 module. D58 is the serial 232 communication receiving port of the 485-232 conversion module (U4). It reads the status of the UPC module (U2) D8 Line 11 is a serial 232 communication send port of the 485-232 conversion module (U5). It controls the finger module (U3) D9 line 12 is the 485 control port of the 485-232 conversion module (U5), and controls the sending / receiving state of the 485 module. D10 line 13 is the function of the 485-232 conversion module (U5) 485 control port. It controls the sending / receiving status of the 485 module. D11 Line 14 is the serial 232 communication receiving port of the 485-232 conversion module (U5). It reads the status of the UPC module (U3) And the 5V line 27 is the (+) voltage 5V output pin and supplies the 5V voltage of the finger module 1 (U2), finger module 2 (U3), and 485 module (U4, U5) GND line 29 serves as a reference for the negative voltage and has a grounding function of 0 V. VIN line 30 functions as a positive voltage input and a +5 V voltage input function. (The unique number of the customer registered with the finger vein) output from the finger vein module U2 and the finger vein authentication code Receiving the identification number) received from the integrator module (U1) outputs a verification code to the USB when the authentication code of the finger vein 1 (U2) and the finger vein 2 (U3) to coincide with each other.

The finger vein 1 and finger vein 2 algorithms of the present invention can be represented as follows.

int getfingerauthorization (int fingerveincode1, int fingerveincode2)

{

    if (fingerveincode1> 0 && fingerveincode2> 0 && fingerveincode1 == fingerveincode2))

    {

return fingerveincode1;

    }

    return 0;

}

The algorithm is executed only when the finger vein 1 (U2) and the finger vein 1 (U3) are the same person by receiving the finger vein 1 (U2) authentication code and the finger vein 2 It is an algorithm that allows authentication codes.

The following is a more detailed description.

The finger vein module 1 (U2) searches the finger vein 1, and if there is a person matching the finger vein, the corresponding person's unique number is outputted.

When the finger vein module 2 (U3) searches for the finger vein 2 and there is a person matching the corresponding finger vein, the fingerprint identification number of the person is outputted.

The parameters of the finger vein module 1 (U2) and the finger code of the finger vein module 2 (U3) are input to the arguments of the function getfingerauthorization, fingerveincode1 and fingerveincode2, respectively, When the unique numbers of two registered customers are matched, the integration module of the finger vein 1 (U2) and the finger vein 2 (U3) outputs the corresponding person's code.

If the other MAC codes are invalid or do not match, an error code of 0 is output.

The scope of protection of the present invention is not limited to the description and the expression of the embodiments explicitly described in the foregoing. It is again to be understood that the present invention is not limited by the modifications or substitutions that are obvious to those skilled in the art.

200: Integrated photographic authentication device
201:
201a: scan panel upper case
201b: scan panel lower case
220, 230, 231: image sensor
240, 241: Infrared light source part
242; Visible light source
250: scan panel
250a: fingerprint finger contact
250b: finger vein non-contact part
260a: Infrared side transmitter
260: Infrared side transmitter case

Claims (15)

(S1301) downloading the relay app to a customer terminal, downloading a financial transaction relay app that forms a program allowing unauthenticated connection with a partner bank using a customer terminal;
A step (S1302) of turning on an execution button so as to allow an unauthenticated connection with a financial company affiliated with the relay app;
As a next step, step S1303 is to select a financial company to lower the transaction nu through the relay app;
(S1304) a step of determining whether the registered user is authenticated so as to be able to deal with the authentication of the fingerprint and / or the fingerprint as the next step;
A step S1305 of inputting a fingerprint and / or a fingerprint for unauthorized access for e-commerce or financial settlement when the user is a registered user;
If authentication of the fingerprint and / or the fingerprint is performed according to a predetermined procedure but is not authenticated, the process is terminated. If authentication of the fingerprint and / or the fingerprint is performed by the above procedure (S1306) (S1309) selecting an electronic commerce or financial settlement that can be authenticated to become unauthenticated and capable of trading;
Relaying the unauthorized financial transaction after the electronic commerce or financial settlement (S1310);
(S1311) of inputting the authentication signal registered by the user when the final settlement request is requested in the unauthorized financial transaction relay, and the settlement of the unauthorized financial transaction is approved (S1313)
If it is determined in step S1304 that the user is the registered customer, it is determined in step S1321 that a financial company to be authenticated as the unauthorized access registration step is selected as a next step.
(S1322) as a next step so as to be able to deal with the authentication of the fingerprint and / or the fingerprint;
(S1323) when the registration of the fingerprint and / or the fingerprint is performed according to the procedure, the registration being able to be passed to the middleware is made and the consumer is informed that the unauthorized financial transaction is possible (S1326). A financial transaction relaying method having a lock function.
The method according to claim 1, further comprising an authentication signal input step (S1307) for, when authentication of the fingerprint and / or fingerprint is performed (S1306), further inputting an authentication signal as a next step, And when the input of the authentication signal is completed (S1308), it is authenticated so that it can be passed to the middleware. The method according to claim 1, .
The method according to claim 1, further comprising a step (S 1324) of inputting an authentication signal as a next step in addition to the registration of the fingerprint and / or fingerprint fingerprint (S1323) S1325), a registration that can be passed to the middleware is made.
The method according to claim 1,
The integration module U1 for simultaneously authenticating the fingerprint and the fingerprint of the recognizer applied to the step of inputting the fingerprint and / or the fingerprint fingerprints includes a fingerprint module U2, a finger vein module U3 and a conversion module U4 The line GND1 of the fingerprint module U2 is a (-) voltage circuit, the line RX2 is a serial data reception port, the line TX3 is a serial data transmission port, the line VCC is line 4, (+) Voltage reference of the power supply circuit. The fingerprint image is scanned by the image sensor and compared with a previously stored image. If there is a person with the same fingerprint image, the registered fingerprint image of the person is output through 232 communication. The GND line 1 of the module U3 is a reference of the negative voltage, the line A 2 is a serial communication standard RS485 communication A port, the line B 3 is a serial communication standard RS485 communication B port, the line VCC 4 (+) Voltage reference of the power supply circuit, The line GND1 on the left side of the base conversion module U4 is based on the negative voltage. Line A 2 is a serial communication standard RS485 communication A port. Line B 3 is a serial communication standard RS485 communication B port. Line 4 is the (+) voltage reference, the DI 5 line on the right side of the conversion module U4 linked with the finger vein module U3 is the serial 232 communication receiving port and the RE line 6 is the 485 communication control port The DE 7 line is a 485 communication control port and the RO 8 line is a serial 232 communication transmission port and is interlocked with the integration module U 1 so that the fingerprint authentication code output from the fingerprint module U 2, When the fingerprint authentication code output from the module U3 is received by the integration module U1 and the fingerprint and the fingerprint authentication code are identical to each other, the corresponding authentication code is output to the USB, or the fingerprint and the fingerprint authentication code Outputs the corresponding authentication code via USB when they match. Financial transactions relay method comprising the multi-function security lock that.
3. The method according to claim 1 or 2,
Wherein the authentication signal is one of a fingerprint and / or a fingerprint, a password, a password, a face recognition signal, and an iris recognition signal.
5. The method according to any one of claims 1 to 4,
Wherein the authentication of the fingerprint and / or the fingerprint is performed by receiving the fingerprint information and the fingerprint information from the user terminal and processing the user authentication using the fingerprint information as a first order, And if the user identification is impossible, user authentication is performed among the plurality of the same similar fingerprint information using the fingerprint information secondarily.
5. The method according to any one of claims 1 to 4,
The recognizer applied to the step of inputting the fingerprint or / and the finger vein is provided with a scan panel 250 for simultaneously photographing the fingerprint and the finger vein on the upper part of the scan panel upper case 201a, The finger pad contact portion 250a and the finger finger noncontact portion 250b are formed at the front and rear ends so that the finger finger noncontact portion 250b of the scan panel 250 can be formed as a groove, The finger mount 252 is formed so as to be flush with the fingerprint finger contact portion 250a so that the finger can be placed on the upper edge of the fingerprint sensor 250. The fingerprint and the finger vein are formed by three CCD cameras 220, The finger vein cameras 230 and 231 are built in the object accommodating unit 201 to photograph the finger vein of the object from the lower side and the side face toward the scan panel 250, (220) The financial transactions relay method that includes a multi-function security lock featuring taken from the bottom.
8. The method of claim 7,
Wherein the fingerprint recognition module (250aa) is replaced with a fingerprint recognition module (250aa) in place of the fingerprint finger contact part (250a) and the CCD camera (220).
5. The method according to any one of claims 1 to 4,
The scan panel 250 of the recognizer which is applied to the step of inputting the fingerprint or / and the finger vein is composed of a finger finger contact part 250a on which the fingerprint authentication module 250aa is formed and a finger finger noncontact part 250b on which the infrared light part 240 is formed. The scan panel 250 is formed in two rows so as to be able to authenticate two fingers side by side and the fingerprint and the finger vein are authenticated at the same time. 250n) and fingerprint 2 (250ar), 2) finger vein 1 250bn and finger vein 250br, 3 fingerprint 1 250an and fingerprint 1 250bn, 4 fingerprint 2 250ar, 2 fingerprint 250br, 5 fingerprint 1 250an and fingerprint 2 250br, 6 fingerprint 2 250ar and fingerprint 1 250bn are selected and authenticated A method for relaying financial transactions having multiple security lock functions.
5. The method according to any one of claims 1 to 4,
In the scan panel of the recognizer that is applied to the step of inputting the fingerprint or / and the finger vein, the fingerprint authentication modules 250aa and 250ab are formed on the fingerprint fingers, The fingerprint authentication module 250aa is formed by two rows of barrier ribs 253a, 253b, and 253c that are capable of detecting the temperature of the finger, (205a) and (205b) are formed on the upper and lower sides of the bank.
5. The method according to any one of claims 1 to 4,
The fingerprint scanning unit 1520 of the recognizer which is applied to the step of inputting the fingerprint or / and the finger vein, includes a line-of-sight light source unit 1520a and a fingerprint image sensor 1520b for photographing the fingerprint of the finger on the edge of the finger receiving unit 1523 And a reflective member (1520c) for reflecting the finger contact surface to the fingerprint image sensor (1520b) at a lower portion of the contact surface of the finger receiving portion (1523).
5. The method according to any one of claims 1 to 4,
The designation max can section 1521 of the recognizer applied to the step of inputting the fingerprint and / or the finger vein is configured to horizontally position the infrared light source part 1521a and the finger A finger vein image sensor 1521b for capturing a vein is formed and the infrared rays irradiated from the infrared ray source part 1521a are transmitted through the finger and recognized by the finger vein image sensor 1521b. Transaction Relay Method.
5. The method according to any one of claims 1 to 4,
The fingerprint scanning unit 1520 of the recognizer which is applied to the step of inputting the fingerprint or / and the finger vein is configured to recognize the fingerprint 1600a of the finger by installing the contact type fingerprint recognizer 1600 at the finger fingerprint contacting position The method comprising the steps of:
5. The method according to any one of claims 1 to 4,
The integrated module U1 for simultaneously authenticating the fingerprint 1 and the fingerprint 2 of the recognizer applied to the step of inputting the fingerprint and / or the fingerprint fingerprint comprises a fingerprint module 1 (U2) and a fingerprint module 2 (U3) , The fingerprint module 1 (U2) scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image to output a registered authentication code of the person in the same fingerprint image as a specific serial communication signal, (U3) scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image to output a registered authentication code of the person as a specific serial communication signal when there is a person with the same fingerprint image, When the fingerprint 1 authentication code and the fingerprint 2 authentication code output from the fingerprint module 2 (U3) are received by the integration module (U1), when the fingerprint 1 and the fingerprint 2 authentication code coincide with each other, Financial transactions relay method comprising the multi-functional safety lock characterized in that the output code.
5. The method according to any one of claims 1 to 4,
The integration module U1 for simultaneously authenticating the finger vein 1 and the finger vein 2 of the recognizer applied to the step of inputting the fingerprint and / or the finger vein is composed of a finger vein module 1 (U2) and a finger vein module 2 (U3) The finger vein module 1 (U2) scans a finger vein in the image sensor and compares the finger vein with a pre-stored image, and when there is a person with the same finger vein image, registers the registered authentication code of the person as a specific serial communication signal The finger vein module 2 (U3) scans the finger vein from the image sensor and compares the finger vein with a pre-stored image, and when there is a person with the same finger vein image, outputs the registered authentication code of the person as a specific serial communication signal , The finger vein 1 authentication code output from the finger vein module 1 (U2) and the finger vein authentication code output from the finger vein module 2 (U3) are received by the integration module (U1) 2 Authentication Degas financial transactions relay method comprising the multi-functional safety lock characterized in that the authentication code output by USB to match.

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