KR100353424B1 - Financial service system using a fingerprint identification and method thereof - Google Patents

Abstract

The present invention relates to a financial service apparatus and a method using a fingerprint recognition, and more particularly, a financial service apparatus for inputting and withdrawing cash only to a user who has been authenticated by inputting a fingerprint and a password (optional) of the user. In the case of depositing or withdrawing cash using the financial service device at this time, in case fingerprints are forced to be withdrawn or withdrawn by others, the fingerprints and alarms stored in the normal state during fingerprint storage The present invention relates to a device and a method for classifying and storing a case of storing, when a user inputs a fingerprint stored in the alarm state at the time of cash input or withdrawal due to coercion by another party, a report is received through a preset emergency contact network. Financial institutions by providing cash withdrawal services to protect users from others. It has the advantage of improving the stability and reliability of the company, and does not allow the bank employee to perform all operations on cash in and out in order to prevent theft accidents caused by employees in the conventional financial companies. When the terminal (financial service apparatus of the present invention) authentication of the user's password and fingerprint is completed simply by cash in and out, accompanied by the advantage of preventing theft accident by the bank staff in advance.

Description

Financial service system using a fingerprint identification and method {financial service system using a fingerprint identification and method

The present invention relates to a financial service apparatus and a method using a fingerprint recognition, and more particularly, a financial service apparatus for inputting and withdrawing cash only to a user who has been authenticated by inputting a fingerprint and a password (optional) of the user. In the case of cash in / out with the financial service device at this time, in case of forcibly cash in / out by others, the fingerprint is stored in the fingerprint and alarm state. The present invention relates to an apparatus and a method for improving the safety and reliability of a financial service apparatus by classifying and storing cases.

Currently, one of the most used by the general public for the convenience of banking is cash withdrawal cards (such as "cards right now, cash cards").

This gives you the freedom to withdraw and withdraw cash at any time, 365 days a day, if you know your card and your password without a passbook or seal.

However, if the cash or credit card that provides the above freedom is lost or forcibly taken away by others, there is a high risk that the saved money will be stolen.

This is because there is a case that the password entered by another person is correct or the user has no choice but to provide the password due to the coercion of another person.

It is also commonplace for bank employees to have a bad heart, find a customer's password, and commit a crime.

Therefore, when the cash is withdrawn or withdrawn in the above manner, it is possible to prevent disadvantages caused by the loss of the card by the card user, and to prevent the use of the card due to the threat of coercion, despite the fact that the user is a valid card user. There is an urgent need for a way to take action.

In view of the conventional requirements as described above, the present invention, when the cash and withdrawal with the card and bank account, insert the card and bank account in the financial service device installed in the bank and then enter the password and fingerprint, It is an object to implement a financial service device that performs deposit and withdrawal normally when the password and fingerprint match, and at the same time, if the fingerprint compared above matches with the fingerprint stored in the alarm state, the emergency contact network is set up immediately. It is an object of the present invention to implement a control method of a financial service apparatus that allows a report to be received without being suspected by the threatening agent by allowing the report to be received by the police.

1 is a schematic configuration diagram of a financial service device using fingerprint recognition according to the present invention.

Figure 2 is a detailed internal configuration of Figure 1;

3A and 3B are flowcharts illustrating an operation process of the financial service apparatus according to the present invention.

<Description of Symbols for Major Parts of Drawings>

1: Fingerprint recognition device 1-1: Fingerprint recognition window

1-2: optical lens

1-3: Programmable Logic Device 2: External Terminal Connection

3: key pad 4: display unit

5: voice playback unit 6: speaker

7: central processing unit 8: storage unit

9: Card / Bank input unit 10: Password confirmation unit

11: comparison unit 12: judgment unit

13: optional service provider 14: alarm message transmitter

Financial service apparatus using a fingerprint recognition of the present invention for achieving the above object is a fingerprint recognition window for recognizing a user's fingerprint, an optical lens for transmitting the fingerprint recognized in the fingerprint recognition window to a programmable logic device, and the optical A fingerprint recognition unit comprising a programmable logic device configured to dataize the fingerprint transmitted through the lens;

An external terminal connection portion used as an external communication means and a communication connection means when an emergency occurs;

A key pad used for receiving financial services;

A display unit for displaying a processing process according to an operation sequence when receiving the financial service;

A voice reproducing unit for guiding and broadcasting a requirement to be input by a user during an operation process displayed on the display unit;

A speaker for outputting a voice signal reproduced by the voice reproducing unit;

A central processing unit for controlling the operation of each unit;

A storage unit for storing the control logic and the data fingerprinted in the central processing unit; And

A card / book input unit for inputting a user's card or bankbook; wherein the central processing unit outputs an alarm message through the external terminal connection unit when the fingerprint received from the fingerprint recognition unit is the same as the second fingerprint of the storage unit; It is characterized by.

In addition, the financial service device using the fingerprint recognition of the present invention for achieving the above object is an optical lens and the optical lens for transmitting a fingerprint recognition window for recognizing a user's fingerprint and the fingerprint recognized in the fingerprint recognition window to a programmable logic device Fingerprint recognition unit consisting of programmable logic devices that data the fingerprint transmitted through the lens, and external terminal connection unit used as external communication means and communication connection means in case of emergency and communication with the financial company's database where the customer's fingerprint and password are stored. And a key pad used for receiving financial services, a display unit for displaying a processing procedure according to an operation sequence for receiving financial services, and a requirement to be input by the user during the operation processes displayed on the display unit. A voice reproducing unit for guide broadcasting, A speaker for outputting a voice signal reproduced by the sexual regeneration unit, a central processing unit controlling the operation of each unit, a storage unit storing control logic and dataized fingerprints operated in the central processing unit, and a fingerprint transmitted from the database According to the result signal, the user requests the service selection, and accordingly, an optional service provider for providing the service selected by the user, and an alarm message for receiving a report through the emergency contact network according to the fingerprint matching result signal transmitted from the database. A user financial service terminal having an alarm message transmission unit for transmitting to a terminal connection unit and outputting a message corresponding to an alarm situation, and a card / bankbook input unit for inputting a user's card or bankbook;

A storage unit for storing passwords and fingerprint information of users subscribed to the financial company, and if a card or bankbook is input through the card / bankbook input unit, a password input corresponding to the card or bankbook is required to confirm whether the password matches the previously stored card or bankbook password. Password confirmation unit for checking and transmitting to the user financial service terminal, and the fingerprint of the user recognized by the fingerprint recognition device is the fingerprint entered in the normal state of the pre-stored fingerprint corresponding to the password entered through the password verification unit and the alarm state Comparing unit which compares which fingerprint among the input fingerprints and transmits to the user financial service terminal, and determines whether the corresponding fingerprint of the current fingerprint and the pre-stored fingerprint input by the comparing unit is matched to the user financial service terminal The financial company which has a judging unit for sending to Databases;

Characterized in having a.

In addition, the financial service method using the fingerprint recognition of the present invention for achieving the above object is to provide a subscriber to receive the fingerprint recognition financial service to input the information of the normal state and the information of the alarm state when inputting the user information 1 course;

A second process of performing user authentication when the user who stores the information wants to receive a fingerprint recognition financial service;

And a third process of accepting a report to an emergency contact network when authentication data stored in an alarm state is inputted during the user authentication.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing a schematic configuration of a financial service device according to the present invention, wherein a fingerprint recognition window 1-1 for recognizing a user's fingerprint and a fingerprint recognized in the fingerprint recognition window 1-1 are programmable. Fingerprint recognition unit 1 consisting of an optical lens (1-2) for transmitting to the logic device (1-3), and a programmable logic device (1-3) for converting the fingerprint transmitted through the optical lens (1-2). )Wow;

An external terminal connection unit 2 used as an external communication means and a communication connection means in communication with a database in which a fingerprint and password of a customer are stored and in an emergency state;

A key pad 3 used when receiving financial services;

A display unit (4) for displaying a processing procedure in the order of operation when receiving the financial service;

A voice reproducing unit 5 for guiding and broadcasting a requirement to be input by a user during an operation process displayed on the display unit 4;

A speaker 6 for outputting a voice signal reproduced by the voice reproducing unit 5;

A central processing unit (7) for controlling the operation of each unit;

A storage unit (8) for storing control logic and dataized fingerprints operated in the central processing unit (7); And

A card / bankbook input unit 9 for inputting a user's card or bankbook is provided.

FIG. 2 is a diagram illustrating an internal detailed configuration of FIG. 1. When a card or bankbook is input through the card / passbook input unit 9, a password input is required accordingly to match a previously stored card or bankbook password. Password confirmation unit 10 for checking whether or not;

The fingerprint of the user recognized by the fingerprint recognition device 1 is one of the fingerprints input in the normal state among the pre-stored fingerprints corresponding to the password input through the password confirmation unit 10 and the fingerprints input in the alarm state. A comparator 11 for comparing the fingerprint with a fingerprint;

A determination unit 12 that determines whether the current fingerprint inputted from the comparison unit 11 matches the corresponding fingerprint among pre-stored fingerprints;

As a result of the determination by the determination unit 12, if the fingerprint input by the current user matches the fingerprint input in the normal state, the user is requested to select a service, and accordingly, the selection service providing unit 13 providing the service selected by the user. Wow;

As a result of the determination by the determination unit 12, if the fingerprint inputted by the current user matches the fingerprint inputted in the alarm state, an alarm message is sent to the external terminal connection unit 2 to receive a report through the emergency contact network. Send an alert message to receive the service in the same state as normal, and to output a message that the password is incorrect if the password entered in the password check unit 10 does not match the passbook or card password. The part 14 is provided.

Briefly describing the operation of the financial service device having the above configuration, when a card or bankbook is input from the card / bankbook input unit 9, a message for inputting a password is displayed on the display unit 4 and the speaker 6 Voice guidance will be given.

When the user inputs a password according to the above instructions, the password checking unit 10 checks whether the password according to the card or bankbook matches the input password, and if it does not match, displays the message "Password is wrong". To be guided through the speaker 6.

On the contrary, if the password matches, the voice prompt saying "Please enter your fingerprint" will be displayed.

Accordingly, when the user inputs the fingerprint through the fingerprint recognition device 1, the comparison unit 11 searches for a pre-stored fingerprint corresponding to the password output from the password confirmation unit 10, and then the input fingerprint is in a normal state. Corresponds to the fingerprint entered into, or the fingerprint entered into the alarm state.

Subsequently, when the type of the input fingerprint is confirmed, the determination unit 12 determines whether the fingerprint output from the comparison unit 11 is matched, and if the fingerprints input in the normal state match, through the selection service providing unit 13. The user can select the service to be provided, and if the fingerprints entered in the alarm state match, the report can be received through the emergency contact network, and then the service can be provided in the same manner as in the normal state. Perform.

The reason for this is that if a user is forced to withdraw or withdraw cash by someone else, the service is provided so that even if the report is received, it is not suspected by others.

On the other hand, the block (a) consisting of the password confirmation unit 10, the comparison unit 11 and the determination unit 12 is embedded in the financial service device used by the user as described above and the password for the user and Each fingerprint can be designed so that all functions can be performed in the financial service device. In a very large financial company, the block (a) and the database are separately financed because the user data to be stored is too large. It can be designed to be connected to the financial service device used by the user by constructing a database in the company.

At this time, communication and data transmission and reception between the financial service device and the database in the financial company are performed through the external terminal connector (2), and the financial service device when the database and the comparison / determination means are installed on the financial company side. In the storage unit 8 there is no need to store password and fingerprint data.

Each of these design methods can be designed according to the size of the financial company.

In addition, in the above, when the user wants to receive the service through the financial service device, the password is input and then the fingerprint is input. However, the input of the password may be omitted when the user inputs the user information.

In other words, when you want to use a financial service device, you can directly enter a fingerprint without entering a password.

A process of registering a fingerprint and a process of receiving a report through the emergency contact network to perform the above operation will be described in detail with reference to the flowcharts shown in FIGS. 3A and 3B.

3A is a flowchart S1 of a mode for storing user information. When a key is input by a user using a key of a financial service device, it is determined whether the key is a key for main master registration, If it is a related key, it is checked whether or not to select a password input mode for double complement (S11).

When the password input mode is selected as a result of the check, the user is required to input a password. If a password is input, the fingerprint is registered correspondingly. If the password is input, the fingerprint is registered immediately without the password input.

At this time, the fingerprint registration registers two types of fingerprints which register to the user as a normal state indicating cash in / out operation on demand and an alert state indicating cash in / out operation by coercion by another party ( S12).

When the fingerprint registration is completed, the registration status is displayed on the display unit 4, and the speaker 6 announces that the fingerprint registration is completed and switches to the initial screen (S13).

If the key inputted as a result of the determination in step S11 is not a key related to the main master registration, it is determined whether the key relates to the sub master additional registration. Receive (S14).

If authorization of the master is allowed, confirm whether or not to select the password input mode for additional submaster registration.If the password input mode is selected, the user is required to enter a password.If the password is entered, the fingerprint is registered accordingly. If it is not in the input mode, the fingerprint is additionally registered without inputting the password (S15).

At this time, the fingerprint registration and the announcement thereafter are the same as the main master registration.

In addition, in step S14, if it is determined that the key is not related to the sub-master additional registration or the key for user registration, if the key is related to the user registration, the user may be registered first from the registered main master or sub-master. Receive (S16).

If the master's authorization is allowed, confirm whether or not to select the password input mode for user registration.If the password input mode is selected, the user is required to enter a password, and if a password is entered, the fingerprint is registered accordingly. Otherwise, the fingerprint is added immediately without entering a password (S17).

At this time, the fingerprint registration and the announcement thereafter are the same as the main master registration.

In addition, if it is determined in step S16 that the key corresponding to the deletion function is not a key for user registration, it is determined whether the password input mode is set first if the key is for the deletion function (S18).

If it is determined that the password input mode is set, the master is required after receiving the password. Otherwise, the master is required without the password. If the authorization is granted, the fingerprint and the corresponding password to be deleted are deleted and returned to the initial screen. Switch (S19).

3A, a process of using the financial service device by the stored user will be described with reference to FIG. 3B, which is connected to FIG. 3A.

If the key input in the step S18 is a key corresponding to the selection of a service item related to cash in / out, the card / bankbook is input through the card / bankbook input unit 9, so that the password input mode is set. If it is determined whether or not it is set, a password input is requested (S21).

When the password is input, it is determined whether the input password matches a previously stored password corresponding to the input card or bankbook. If the result of the determination does not match, a message indicating that the password is incorrect is displayed and guided, and then the user is required to input the password as much as the set number of repetitions, and when the required number of times passes, the screen is switched to the initial screen.

If the password input mode is not set in steps S21 and S22 and the input password matches, a fingerprint input is requested. Subsequently, when the fingerprint is input, it is first determined whether the input fingerprint is a fingerprint input in a normal state or a fingerprint input in an alarm state (S23).

As a result of the determination, if the fingerprint is a fingerprint that has been input in a normal state, it is checked whether the input fingerprint and the previously stored normal fingerprint are matched. The fingerprint input is re-required as many times as the number of repetitions, and when the re-request number is passed, the screen is switched to the initial screen (S24).

When the fingerprint match determination result, the fingerprint is matched to provide the service selected by the user and display the service history on the display unit 4 to announce that the service provision is completed. Subsequently, the paper is discharged according to the completion of service provision, and then the screen is switched to the initial screen (S25).

On the other hand, if it is determined in step S23 that the fingerprint is the fingerprint entered in the alarm state, check whether the input fingerprint and the pre-stored alarm state fingerprint is matched, if it does not match, display a message that the fingerprint does not match and After the announcement, the fingerprint input is re-required as many times as the set repetition number, and when the re-request number is passed, the screen is switched to the initial screen (S26).

When the fingerprint matching determination result is recognized that the alarm fingerprint is matched to recognize that the emergency state to receive a report to the police through the emergency contact network (S27).

Subsequently, after reporting, the user broadcasts a service selected by the user in the same manner as in the normal state in order to prevent receiving doubts from others, and displays the service history on the display unit 4 to guide the completion of the service. Subsequently, the paper is discharged according to the completion of service provision, and then the screen is switched to the initial screen (S25).

By providing the service after the report as described above, the police are dispatched while the service is being received, thereby preventing the user's personal risk.

As described in detail above, the present invention does not allow a bank employee to perform all operations on cash in and out in order to prevent theft by an employee who may occur in a conventional financial company. In the financial service device of the present invention, when the user's password and fingerprint are authenticated, the cash is simply entered and withdrawn, thereby preventing theft accident by a bank employee in advance. If you are forced to use the financial service device, enter the fingerprint of the alarm status that you have already registered to receive a report to the police as soon as the fingerprint is authenticated, and then ensure that the service is normally performed to protect the user's identity from others. There is an advantage to this.

In addition, preferred embodiments of the present invention are disclosed for the purpose of illustration, those skilled in the art will be able to various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and modifications belong to the following claims You will have to look.

Claims (13)

A fingerprint recognition unit comprising a fingerprint recognition window for recognizing a fingerprint of a user, an optical lens for transmitting a fingerprint recognized in the fingerprint recognition window to a programmable logic device, and a programmable logic device for data-writing a fingerprint transmitted through the optical lens; An external terminal connection portion used as an external communication means and a communication connection means when an emergency occurs; A key pad used for receiving financial services; A display unit for displaying a processing process according to an operation sequence when receiving the financial service; A voice reproducing unit for guiding and broadcasting a requirement to be input by a user during an operation process displayed on the display unit; A speaker for outputting a voice signal reproduced by the voice reproducing unit; A central processing unit for controlling the operation of each unit; A storage unit for storing the control logic and the data-based fingerprint operated in the central processing unit, and storing the first fingerprint for the steady state operation and the second fingerprint for the emergency state operation; And A card / bankbook input unit for inputting a user's card or bankbook, And the central processing unit outputs an alarm message through the external terminal connection unit when the fingerprint received from the fingerprint recognition unit is the same as the second fingerprint of the storage unit. The method of claim 1, The central processing unit, if the card or bankbook is input through the card / bankbook input unit, a password confirmation unit for requesting the password input accordingly to confirm whether or not match with the password of the card or bankbook previously stored; A comparison unit for comparing which of the first fingerprint or the second fingerprint among the pre-stored fingerprints corresponding to the password input through the password verification unit corresponds to the fingerprint of the user recognized by the fingerprint recognition device; A determination unit which determines whether the current fingerprint inputted from the comparison unit matches the corresponding fingerprint among pre-stored fingerprints; A selection service providing unit requesting the user to select a service when the fingerprint inputted by the user matches the first fingerprint as a result of the determination by the determination unit; As a result of the determination by the determination unit, if the current fingerprint input by the user is matched with the second fingerprint, an alarm message for receiving a report through the emergency contact network is transmitted to the external terminal connection unit, and other messages corresponding to the alarm situation are output. Financial service device using a fingerprint recognition, characterized in that it comprises an alarm message transmission unit to. The method of claim 2, The operation of the password confirmation unit operates in a state in which the user has set a password confirmation mode, and the financial service device using fingerprint recognition, characterized in that the input of the password is omitted. delete delete Receiving a first fingerprint for a normal operation and a second fingerprint for an alarm state from a subscriber of a fingerprint recognition financial service, and storing subscriber registration information in advance; A second step of receiving a user authentication by inputting a third fingerprint of the subscriber to receive the fingerprint recognition financial service; A third step of determining whether the third fingerprint corresponds to either the first fingerprint or the second fingerprint; And If the third fingerprint matches the first fingerprint, perform a normal financial service operation; and if the third fingerprint matches the second fingerprint, a fourth process of receiving a report through the emergency contact network Financial service method using a fingerprint recognition. The method of claim 6, wherein the first process is When the subscriber inputs a key of the financial service device, it is determined whether the key is a key for main master registration, and if it is a key for main master registration, checking whether to select a password input mode for double supplementation. Step 1; If a password input mode is selected as a result of the check, a second step of requesting the subscriber to input a password, performing a fingerprint registration procedure in response to the input password; A third step of requesting the subscriber himself / herself to register the first fingerprint to be registered in a normal state indicating a cash input / output withdrawal operation upon request; A fourth step of requesting the second fingerprint input to register in an alarm state indicating a cash in / out operation by the third step; When the fingerprint registration is completed, the registration status is displayed on the display unit, and the speaker includes a fifth step of guiding that the fingerprint registration has been completed and switching to the initial screen. The method of claim 6, wherein the first process is A first step of checking whether the key is a key for sub-master additional registration if the subscriber inputs a key of a financial service device, and receiving permission for additional registration from the main master if the key is for sub-master additional registration; A second step of checking whether to select a password input mode for submaster additional registration if additional registration is permitted; If the password is selected as a result of the check, requesting the subscriber to input a password, performing a fingerprint registration procedure in response to the input password, and if the password is not in the password input mode; A fourth step of requesting the subscriber himself / herself to register the first fingerprint to be registered in a normal state indicating a cash input / output withdrawal operation upon request at the fingerprint registration; A fifth step of requesting the input of the second fingerprint to be registered in an alarm state indicating a cash in / out operation by the third step; When the fingerprint registration is completed, the registration status is displayed on the display unit, and the speaker comprises a sixth step of guiding that the fingerprint registration is completed and switching to the initial screen. The method of claim 6, wherein the first process is A first step of checking whether the key is a key for user registration when the subscriber inputs a key of a financial service device and receiving permission for user registration from the registered main master or sub master if the key is for user registration; ; A second step of checking whether to select a password input mode for user registration if user registration is permitted; If the password is selected as a result of the check, requesting the subscriber to input a password, performing a fingerprint registration procedure in response to the input password, and if the password is not in the password input mode; A fourth step of requesting the subscriber himself / herself to register the first fingerprint to be registered in a normal state indicating a cash input / output withdrawal operation upon request at the fingerprint registration; A fifth step of requesting the input of the second fingerprint to be registered in an alarm state indicating a cash in / out operation by the third step; When the fingerprint registration is completed, the registration status is displayed on the display unit, and the speaker comprises a sixth step of guiding that the fingerprint registration is completed and switching to the initial screen. The method of claim 6, wherein the first process is A first step of determining whether the key is a key corresponding to a user information deletion function when the subscriber inputs a key of the financial service device; and if the key is a deletion function, determining whether a password input mode is set; ; If it is determined that the password input mode is set, after receiving the password, requesting the permission of the master; otherwise, requesting permission of the master without the password; And a third step of deleting the fingerprint to be deleted and the corresponding password when the permission of the master is completed, and switching to the initial screen. The method of claim 6, wherein the second process is A first step of determining whether a password input mode is set when a card or bankbook is input through the card / book input unit by the user and, if set, requesting password input; A second step of determining whether the input password matches a previously stored password corresponding to the input card or bankbook if the password is input; And a third step of requesting a fingerprint input if the password input mode is not set in the first step and the password matches in the second step. The method of claim 6, If the third fingerprint does not match with either the first fingerprint or the second fingerprint in the third process, display and guide the message that the fingerprint does not match, and then request the fingerprint input for the set number of repetitions. , The financial service method using the fingerprint recognition, characterized in that to switch to the initial screen after the number of re-request. delete