KR101662388B1 - System for Providing Medium Storing Typed Financial Service Based on Diversified Management of Bio-information - Google Patents

Abstract

The present invention relates to a media storage type financial service providing system based on distributed management of bio information, and more particularly, to a system and method for providing a media storage financial service based on distributed management of bio information provided in a management server communicating with a financial institution server having one or more financial channels (2) constituting the remainder of the bio information from a financial institution server which stores a bio information piece (1) constituting a part of the bio information registered by the customer in a personal medium owned by the customer, (1) and a biometric information piece (2) from the financial institution server and a public key generated in correspondence with the non-identification confirmation key to be mapped to the biometric information piece The public key is mapped to the received non-identifying confirmation key receiving unit, the bio-information piece (2) and the non-identifying confirmation key A financial channel unique identification number corresponding to the financial transaction terminal from a communication medium of a customer through an information storage unit stored in the storage medium 1 and a financial transaction terminal connected to the financial institution server, A biometric information recognition waiting information receiving unit for receiving the biometric information piece (1) and the non-identification confirmation key and the biometric information piece (2) mapped with the non-identification confirmation key received from the communication medium are checked from the storage medium , A bio information piece (1) received from the communication medium and a bio information piece (2) identified from the storage medium (1) are mapped to the financial channel unique identification number and stored in the storage medium (1) A biometric information recognition waiting unit for waiting for information recognition; and a biometric information recognition unit for requesting biometric information of the customer inputted from the financial transaction terminal and the financial transaction terminal A biometric information recognition request receiving unit for receiving a financial channel unique identification number, a bio information piece (1) and a bio information piece (2) mapped with the received financial channel unique identification number from the storage medium (1) A bio information recognition processor for combining the identified bio information piece 1 and the bio information piece 2 to form bio information and then matching with bio information of the customer received from the financial institution server and recognizing the bio information, And a recognition result transmitting unit for transmitting a matching recognition result of the bio information corresponding to the identification number to the financial institution server, wherein the financial institution server generates a public key and a private key corresponding to the non- Transmitting the public key and the non-identification confirmation key to the management server, and transmitting the private key and the non-identification confirmation key to the communication medium of the customer Wherein the communication medium of the customer receives and stores a non-identification key, a piece of bio-information (1) and a private key from the financial institution server, ≪ / RTI >

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a system for providing a medium-

The present invention relates to a system for providing a media storage financial service based on distribution management of bio information provided in a management server communicating with a financial institution server having one or more financial channels, (2) constituting the remainder of the bio information from a financial institution server that stores the bio information piece (1) in a personal media owned by the customer, and a bio information piece receiver 1) and the biometric information piece 2, and a public key generated in correspondence with the non-identifying authentication key, and a non-identifying authentication key receiving unit for receiving the biometric information piece 2 and the non- An information storage unit for mapping the public key to the identification confirmation key and storing the public key in the storage medium 1, and a financial transaction terminal connected to the financial institution server A bio-information recognition waiting information receiving unit for receiving a financial channel unique identification number corresponding to the financial transaction terminal, the bio-information piece (1) and a non-identification confirmation key from the communication medium of the customer, Identifying a piece of bio information piece (2) mapped with a non-identifying confirmation key received from a communication medium from the storage medium (1), verifying the piece of bio information piece (1) received from the communication medium A biometric information recognition waiting unit for mapping the biometric information piece 2 with the financial channel unique identification number and storing the same in the storage medium 1 to wait for biometric information recognition; A bio-information recognition request receiving unit for receiving bio-information of a customer and a financial channel unique identification number corresponding to the financial transaction terminal, The bio information piece 1 and the bio information piece 2 mapped with the channel unique identification number are checked from the storage medium 1 and the identified bio information piece 1 and the bio information piece 2 are combined A bio-information recognition processor for matching the bio-information received from the financial institution server with the bio-information received from the financial institution server, and a matching recognition result of the bio-information corresponding to the financial channel unique identification number to the financial institution server Wherein the financial institution server generates a public key and a private key corresponding to the nonidentified authentication key and transmits the public key and the nonidentified authentication key to the management server, And a non-identification confirmation key to the customer's communication medium, wherein the communication medium of the customer includes a non- To a system for providing a media storage financial service based on distribution management of bio information, which receives and stores a piece of erroneous information 1 and a private key and receives a financial transaction unique identification number from the financial transaction terminal through short-range wireless communication .

As a result of the development of networks such as the Internet, authentication to customers using devices connected to networks or networks has become a very important issue. Various authentication means such as ID / PW, authorized certificates, mobile phone numbers, and I- .

In addition to these authentication means, there are physical characteristics such as fingerprint, face, iris, vein, voice, retina, hand shape, palm shape and laceration of a customer, behavioral characteristics such as handwriting, keyboard typing, lip movement, A method of authenticating a customer by recognizing bio information of a user is also used.

The authentication method based on the recognition of bio information can be used at any time without requiring the customer to store and manage a separate authentication means and is less likely to be stolen and lost compared to other authentication means. And the utilization rate is gradually increasing.

However, unlike other authentication methods of customers, bio information needs to be careful for storage and management because it is very damaging if it is leaked or stolen.

Therefore, in order to widely use bio information in various fields such as financial transactions, it is necessary to safely store and manage bio information, and a new alternative should be proposed.

In order to solve the above problems, an object of the present invention is to provide a system for providing a media storage type financial service based on distribution management of bio information provided in a management server communicating with a financial institution server having one or more financial channels, A bio information piece receiver (2) for receiving a bio information piece (2) constituting the remainder of the bio information from a financial institution server storing a bio information piece (1) constituting a part of the registered bio information in a personal medium owned by the customer, A non-identification confirmation key that is defined to be mapped to the bio-information piece (1) and the bio-information piece (2) from the financial institution server, and a non-identification confirmation key receiver An information storage unit for mapping the public key to the bio-information piece (2) and the non-identification confirmation key, and storing the public key in the storage medium (1) (1) and a non-identification confirmation key corresponding to the financial transaction terminal from the communication medium of the customer through the financial transaction terminal connected to the financial institution server, (2), which is mapped with a non-identification confirmation key received from the communication medium, from the storage medium (1), and transmits the bio information piece (1) received from the communication medium A bio information recognition wait processing unit for mapping the bio information piece 2 identified from the storage medium 1 to the financial channel unique identification number and storing the bio information piece 2 in the storage medium 1 to wait for bio information recognition; And receives the biometric information of the customer inputted from the financial transaction terminal and the financial channel unique identification number corresponding to the financial transaction terminal from the financial institution server (1) and a piece of bio information piece (2) stored in the storage unit (1), the bio information piece being mapped to the received financial channel unique identification number, And a bio information piece corresponding to the financial channel unique identification number. The biometric information recognizing unit recognizes the biometric information received from the financial institution server by matching the bio information with the biometric information received from the financial institution server, And a recognition result transmission unit for transmitting a matching recognition result to the financial institution server, wherein the financial institution server generates a public key and a private key corresponding to the non-identification confirmation key, and transmits the public key and the non- To the management server, and transmits the private key and the non-identification confirmation key to the client's communication medium, (1) and a private key from a financial institution server and receives and stores a non-identification confirmation key, a biometric information piece (1) and a private key from the financial institution server, and receives a financial transaction unique identification number from the financial transaction terminal via short- And to provide a media storage financial service providing system.

A system for providing a media storage financial service based on bio-information distribution management provided in a management server communicating with a financial institution server having one or more financial channels according to the present invention includes a management server communicating with a financial institution server having one or more financial channels 1. A system for providing a media storage financial service based on distribution management of bio information provided in a server, the system comprising: a financial information storage unit (1) storing a bio information piece (1) constituting a part of bio information registered by a customer in a personal medium A bio information piece receiving unit for receiving a bio information piece (2) constituting the remainder of the bio information from a server; and a non-identification information unit (2) for mapping the bio information piece (1) and the bio information piece A non-identification confirmation key receiving unit for receiving a public key generated corresponding to the confirmation key and the non- An information storage unit for mapping the public key to the bio-information piece (2) and the non-identification confirmation key and storing the public key in the storage medium (1), and a financial transaction terminal connected to the financial institution server, A bio-information recognition waiting information receiving unit for receiving a financial channel unique identification number corresponding to the financial transaction terminal, the bio-information piece (1) and a non-identification confirmation key from the communication medium of the customer, A piece of bio information piece mapped with a key is checked from the storage medium and a piece of bio information piece received from the communication medium and a piece of bio information piece verified from the storage medium A bio-information recognition wait processing unit for mapping the bio-information to the financial channel unique identification number and storing it in the storage medium 1 to wait for bio-information recognition; A bio-information recognition request receiving unit for receiving biometric information of a customer input from the terminal and a financial channel unique identification number corresponding to the financial transaction terminal; and a bio-information piece 1 and bio- After confirming the information piece 2 from the storage medium 1 and composing bio information by combining the verified bio information piece 1 and the bio information piece 2, And a recognition result transmitting unit for transmitting a matching recognition result of the bio information corresponding to the financial channel unique identification number to the financial institution server, wherein the financial institution server comprises: Generating a public key and a private key corresponding to the identification confirmation key, transmitting the public key and the non-identification confirmation key to the management server, And transmits the non-identification key, the bio-information piece (1), and the private key from the financial institution server to the customer's communication medium. And receives a financial transaction unique identification number from the financial transaction terminal through short-range wireless communication.

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According to the present invention, the customer's communication medium transmits the financial channel unique identification number, the bio-information piece (1), and the non-identification confirmation key to the management server through a financial transaction terminal capable of short- And may be transmitted to the management server through the wireless communication.

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According to the present invention, the bio-information recognition processor matches and recognizes the bio-information of the customer, and then recognizes the bio-information and the bio-information piece (1) (2).

According to the present invention, the financial institution server can approve the customer's financial transaction request according to the matching result of the bio-information corresponding to the financial channel unique identification number.

According to the present invention, the financial institution server can transmit a transaction approval escrow message to the communication medium of the customer according to the matching result of the bio-information corresponding to the financial channel unique identification number.

According to the present invention, the bio information management center stores only a piece of bio information, not the bio information, so that there is an advantage that the security threat such as bio information hacking is fundamentally safe.

Further, the financial institution has an advantage that it can provide various financial transaction services using biometric information to customers without storing biometric information of the customer.

In addition, financial institutions and management centers can not independently identify and authenticate customers. Therefore, financial institutions or centers other than those agreed by customers and promised by financial institutions and management centers may misuse or abuse biometric information, It is structurally impossible and there is an advantage that the user can protect the free-space.

1 is a diagram illustrating a configuration of a media storage type financial service providing system based on distribution management of bio information according to an embodiment of the present invention.
2 is a diagram illustrating a functional configuration of a management server according to an embodiment of the present invention.
3 is a functional block diagram of a financial institution server according to an embodiment of the present invention.
4 is a functional block diagram of a financial transaction terminal according to an embodiment of the present invention.
5 is a diagram illustrating a functional configuration of a communication medium of a customer according to an embodiment of the present invention.
6 is a diagram illustrating a process of registering bio-information pieces according to an embodiment of the present invention.
FIG. 7 is a diagram illustrating a financial transaction waiting process using a piece of bioinformation separated and stored in a communication medium and a management server according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a financial transaction processing process using a piece of bio information separated and stored in a communication medium and a management server according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a configuration of a media storage type financial service providing system based on distribution management of bio information according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a method of separating biometric information of a customer into two or more pieces of biometric information, transmitting a piece of biometric information to a communication medium owned by the customer and storing the pieces of biometric information, Management center to store and store the pieces of bio information separately stored in the customer's communication medium and the bio information management center when requesting the financial transaction using the bio information so that various financial channels such as branch terminals, POS, and the like), and a system for providing a media storage type financial service based on distribution management of bio information for processing financial transactions in comparison with biometric information of customers transmitted through a POS As a person skilled in the art, by referring to and / or modifying the figure 1, The present invention can be applied to all of the above-mentioned embodiments, and it should be understood that the present invention is not limited to the technical features Is not limited.

Referring to FIG. 1, a system for providing a media storage financial service based on distribution management of bio information includes a bio information piece 1 and a bio information piece 2 that are requested to be registered through a terminal 110 (1) to the communication medium (120) of the customer and stores the separated pieces of bio information into the management server (100) and stores the separated pieces of bio information into the management server (100) 105), a customer's communication medium (120) for receiving and storing the separated piece of bio-information (1) from the financial institution server (105) A financial transaction terminal 115 for providing the channel specific identification number and providing bio information to the financial institution server 105 according to a customer's financial transaction request; Separated bio information set (2) transmitted from the communication medium (120), and stores the bio information piece (2) in a financial transaction using the bio information of the customer, And the biometric information provided from the financial institution server 105 to the biometric information inputted through the financial transaction terminal 115 requesting the financial transaction) And a management server 100 provided in the bio-information management center for identifying the bio-information.

According to the present invention, the customer can access the financial institution server 105 through the terminal 110 for registering bio information, and request registration of the customer's bio information. The terminal 110 may include a wired terminal and a wireless terminal of the customer and the wired terminal and the wireless terminal of the customer may have a bio information recognition interface for registering bio information, Interface.

In addition, the terminal 110 may be a branch terminal of a financial institution visited by the customer for registration of bio information or an ATM of the financial institution, and the branch terminal and ATM may register the bio information It is preferable to provide a bio information recognition interface for interfacing with a bio information recognition interface.

The financial institution server 105 separates the biometric information transmitted through the biometric information interface provided in the terminal 100 into two pieces of biometric information pieces, when the customer's biometric information registration is requested.

In addition, the financial institution server 105 may store a part of the separated pieces of bio information in the customer's communication medium 120 and manage the rest of the separated pieces of bio information to the management server 100 And stores and manages them.

For example, if the customer's bio information is separated into the bio information piece 1 and the bio information piece 2, the bio information piece 1 is stored in the customer's communication medium 120, May be stored in the management server 100.

Also, the financial institution server 105 may generate and store a non-identification key to be used for customer management or bio information piece management in the process of separating the bio information into two or more pieces of bio information.

Here, the non-identification key is a random number that can not be used for identifying a customer. The non-identification key may be provided to the customer's communication medium 120 together with the bio-information piece 1, Can be mapped and stored with the piece (1).

The non-identification confirmation key may be provided to the management server 100 together with the biometric information piece 2 and may be mapped to the biometric information piece 2 in the management server 100 and stored.

A customer registering the bio information through the terminal 110 may register a financial account to be used in financial transactions using bio information to the financial institution server 100 in the bio information registration process.

Here, the financial account may include a payment means such as an account or card of a customer that is issued through a financial institution.

Also, the financial institution server 105 may generate a private key and a public key corresponding to the non-identification confirmation key, and the generated private key may be transmitted to the financial institution server 105 through the non- And the generated public key may be transmitted to the management server 100 together with the non-identification key and the biometric information piece (2).

The customer's biometric information is divided into a piece of bio information piece 1 and a piece of bio information piece 2 and transmitted to the customer's communication medium 120 and the management server 100, Receives the financial transaction information, the bio information, and the financial channel unique identification number from the financial transaction terminal 115, transmits the received bio information and the financial channel unique identification number to the management server 100, Authentication and identification can be requested.

A more detailed functional configuration of the financial institution server 105 will be described with reference to FIG.

The customer's communication medium 120 shown in FIG. 1 includes a smart phone capable of short-range wireless communication with the financial transaction terminal 115 and wirelessly communicating with the financial institution server 105 and the management server 100 But is not limited thereto.

The communication medium 120 is provided with a non-identification confirmation key, a bio-information piece 1 and a private key from the financial institution server 105, and the provided non-identification confirmation key, bio-information piece 1, In a memory in the communication medium 120 or in a chip insertable or attachable to the communication medium 120. [

When the financial channel unique identification number is received from the financial transaction terminal 115 via the short-range wireless communication, the communication medium 120 transmits the unique identification number, the non- 1 to the management server 100, wherein the financial channel unique identification number and the secret key identifier (1) are encrypted and transmitted with the private key.

A more detailed functional configuration of the customer's communication medium 120 will be described with reference to FIG. 5 below.

The financial transaction terminal 115 shown in FIG. 1 may be a business terminal, an ATM (unmanned financial terminal), a merchant POS, or the like according to a financial transaction channel. The financial transaction terminal 115 may input the customer's biometric information It is preferable to provide a bio information recognition interface for interfacing with a bio information recognition interface.

Also, the financial transaction terminal 115 stores a financial channel unique identification number for identifying the financial transaction terminal 115 or the financial transaction terminal 115.

The financial transaction terminal 115 is capable of short-range wireless communication using beacon, NFC, Bluetooth, infrared, etc., and accesses the financial transaction terminal 115 with the financial channel unique identification number through the short- To the communication medium 120 of the customer.

When the financial transaction terminal 115 requests the financial transaction using the customer's bio information, the financial transaction terminal 115 transmits the customer's bio information and financial transaction information input through the bio-information recognition interface to the financial institution server 105 .

A more detailed functional configuration of the financial transaction terminal 115 will be described with reference to FIG.

The management server 100 shown in FIG. 1 receives a piece of bio information piece 2, a non-identification confirmation key, and a public key separated from the customer's bio information from the financial institution server 100, ), A non-identification confirmation key, and a public key.

When the management server 100 receives the financial channel unique identification number and the bioinformation piece 1 encrypted with the private key from the customer's communication medium 120 and the non-identification confirmation key, the management server 100 transmits the received non- Confirms the corresponding public key, decrypts the encrypted financial channel unique identification number and the bio information piece (1) using the identified public key, and confirms the financial channel unique identification number and the bio information piece (1).

The management server 100 maps the bio information piece 1 and the bio information piece 2 to the financial channel unique identification number to wait for authentication and identification of the customer's bio information.

Thereafter, the management server 100 receives the financial channel unique identification number and the bio information of the customer (bio information input from the financial transaction terminal) from the financial institution server 100, The bio information piece 1 and the bio information piece 2 in the standby state are confirmed and the bio information piece is combined with the confirmed bio information piece 1 and the bio information piece 2 to form bio information, (Bio information input from the financial transaction terminal) received from the financial institution server 105 to process authentication and identification of the customer's bio information, and then transmits the processing result to the financial institution server 105 ).

After the authentication and identification processing of the bio information, the management server 100 transmits the bio information used for authentication and identification of the bio information (bio information formed by combining pieces of bio information, and bio information ), The bio information piece 1 and the bio information piece 2 are deleted.

A more detailed functional configuration of the management server 100 will be described with reference to FIG.

2 is a functional block diagram of a management server according to an embodiment of the present invention.

In more detail, FIG. 2 maps and stores bio information pieces 2 and non-identification confirmation keys separated from the customer's bio information, and stores the bio information pieces 1 and the financial information pieces 2 from the customer's communication medium 120, When the channel unique identification number is received, the bio information piece 1 and the bio information piece 2 are mapped to the financial channel unique identification number to wait for the bio information authentication and identification of the customer, (1) and a piece of bio information (2) to process authentication and identification of the customer's bio information when the customer's bio information is received from the customer Those skilled in the art can refer to and / or modify the FIG. 2 in order to deduce various implementations of the functional configuration of the management server However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

2, the management server 100 includes a bioinformation fragment receiver 200, a non-identification confirmation key receiver 205, an information storage unit 210, a bioinformation recognition wait information receiver 215, The bio-information recognition request receiving unit 225, the bio-information recognition processing unit 230, the recognition result transmitting unit 235, and the storage medium 1. [

The bio information piece receiver 200 may be configured such that the customer's bio information is stored in the financial institution server 105 in the process of registering the customer's bio information through the financial institution server 105, And the bio information piece 2, and then receives the separated bio information piece 2.

The non-identification confirmation key receiving unit 205 receives the non-identification confirmation key generated with the random number for customer management from the financial institution server 105 in the process of registering the customer's bio information through the financial institution server 105 do.

Here, the non-identification confirmation key is a random number that can not be used for customer identification defined and defined with the financial institution server 105 and the management server 100 so as to be mapped to pieces of bio information separated according to the present invention.

The non-identification confirmation key receiving unit 205 may further receive the non-identification confirmation key or a public key generated corresponding to the separated pieces of bio information.

The information storage unit 210 receives the bioinformation piece 2 through the bioinformation piece receiving unit 200 and receives the nonidentified authentication key and the public key through the nonidentified authentication key receiving unit 205 , Maps the received piece of biometric information (2) with the non-identification confirmation key and the public key, and stores it in the storage medium (1).

After the bio information piece 2, the non-identification confirmation key and the public key are stored in the storage medium 1 via the information storage unit 210, the bio-information recognition waiting information receiving unit 215 receives the bio- (1) and a financial channel unique identification number encrypted with a non-identification confirmation key and a private key from a communication medium (120) of a customer who wishes to request a financial transaction.

The bio-information recognition wait processing unit 220 receives the non-identification confirmation key, the bio-information piece 1 encrypted with the private key and the financial channel unique identification number through the bio-information recognition waiting information receiving unit 215, And extracts the encrypted bio information piece (1) and the financial channel unique identification number using the extracted public key, and stores the encrypted bio information piece (1) and the financial channel unique identification number in the storage medium (1) (1) and the financial channel unique identification number.

In addition, the bio-information recognition wait processing unit 220 identifies and extracts the bio-information piece 2 mapped with the non-identification confirmation key from the storage medium 1, and extracts the bio- 1 and the biometric information piece 2 and stores the biometric information in the storage medium 1 to authenticate and identify the biometric information of the customer requesting the financial transaction using the biometric information through the financial transaction terminal 115 Wait.

When the financial transaction terminal 115 requests financial transaction using the customer's biometric information to the financial institution server 105, the biometric information recognition request receiving unit 225 receives the financial transaction from the financial institution server 105, And receives the bio information and the financial channel unique identification number input through the terminal 115. [

When the bio information (bio information input through the financial transaction terminal) and the financial channel unique identification number are received through the bio information recognition request receiving unit 225, the bio information recognition processor 230 receives the received financial channel unique The bio information piece 1 and the bio information piece 2 that are mapped with the identification number and are waiting are checked from the storage medium 1 and extracted.

The bio-information recognition processor 230 configures bio-information by combining the bio-information pieces 1 and the bio-information pieces 2 extracted from the storage medium 1, and transmits the bio- (The bio information input through the financial transaction terminal) received from the server 105 and processes authentication and identification of the bio information.

The recognition result transmitting unit 235 confirms the authentication and identification processing result when the authentication and identification of the bio information is processed through the bio information recognition processing unit 230, (105).

The storage medium 1 stores one or more pieces of information to be stored, managed, extracted and generated in a process of providing a media storage financial service based on distribution management of bio information according to the present invention.

2, the storage medium 1 is provided in the management server 100. However, the storage medium 1 may be stored in the management server 100 in the course of implementing the present invention by a person skilled in the art, The present invention is not limited thereto.

The storage medium 1 is mapped with a bioinformation piece 2, a non-identification confirmation key, and a public key provided through the financial institution server 105.

In addition, the bio-information recognition processing information shown in the storage medium 1 is information used in the process of authenticating and identifying the bio-information of the customer through the management server 100, and the bio- And may be information that is deleted at the same time when the authentication and identification process is terminated.

FIG. 3 is a diagram illustrating a functional configuration of a financial institution server according to an embodiment of the present invention.

In more detail, FIG. 3 separates bio information registered by a customer through a terminal 110 into a bio information piece 1 and a bio information piece 2, and the separated bio information piece 1 is transmitted to the customer (2) to the management server (100), stores and manages the biometric information piece (2), and transmits the biometric information piece (2) to the communication medium (120) Those skilled in the art will be able to refer to and modify various aspects of the functional configuration of the financial institution server 105, The present invention is not limited to the above-described embodiments.

3, the financial institution server 105 includes a bioinformation receiving unit 300, a bioinformation fragment separating unit 305, a non-identifying confirmation key assigning unit 310, an asymmetric key generating unit 315, The financial transaction request receiving unit 325, the bio information requesting unit 330, the recognition result receiving unit 335, the financial transaction acceptance unit 340, the transaction approval message providing unit 345, (2).

The bio-information receiving unit 300 receives bio-information transmitted through the bio-information recognition interface provided in the terminal 100 when the bio-information registration of the customer is requested through the terminal 100.

The bio-information fragment separating unit 305 separates the customer bio-information received through the bio-information receiving unit 300 into two or more pieces of bio-information.

For example, the customer's bio information can be separated into a bio information piece 1 and a bio information piece 2, and the separated bio information piece 1 is stored in the customer's communication medium 120, The bioinformation piece 2 is stored in the management server 100.

The non-identification confirmation key assigning unit 310 generates a non-identification confirmation key to be used for management of two or more pieces of bio information separated through the bio information fragment separating unit 305, And assigns the generated non-identification confirmation key.

The non-identification confirmation key is a random number that can not be used for identifying a customer. The non-identification confirmation key is transmitted to the communication medium of the customer together with the separated bio information piece (1) (100).

The asymmetric key generation unit 315 generates a private key and a public key corresponding to the non-identification key and the separated pieces of bio information. The generated private key is transmitted to the customer's communication medium 120 together with the non-identification key and the bio-information piece 1 to be used for encrypting the bio-information piece 1, (1) is transmitted to the management server (100) together with the non-identification key and the biometric information piece (2), and the management server (100) ), It is used to decrypt the received encrypted biometric information piece (1).

The bio information of the customer is separated into the bio information piece 1 to be stored in the communication medium 120 of the customer and the bio information piece 2 to be stored in the management server 100 through the bio information fragment separating unit 305 A non-identification confirmation key for the separated pieces of bio information is allocated through the non-identification confirmation key assigning unit 310, and when a private key and a public key are generated through the asymmetric key generating unit 315, The bio information piece processing unit 320 processes the non-identification confirmation key, the bio information piece 1 and the private key to the customer's communication medium 120 and stores the non-identification confirmation key, the bio information piece 2), and transmits the public key to the management server 100 and stores the public key.

At this time, the non-identification confirmation key may be stored in the storage medium 2 together with the customer's unique identification number, financial account, and customer information.

When the customer requests financial transactions using the bio information through the financial transaction terminal 115 connected to the financial institution server 105 through the financial transaction channel network, From the financial transaction terminal 115, the biometric information of the customer, the financial channel unique identification number, and the financial transaction information.

When the bio information, the financial channel unique identification number, and the financial transaction information are received through the financial transaction request receiving unit 325, the bio information recognition request unit 330 receives the bio information of the received customer, Number to the management server 100 and requests authentication and identification of the bio-information.

The recognition result receiving unit 335 receives the bio information from the management server 100 after authentication and identification of the bio information is requested to the management server 100 through the bio information recognition request unit 330, And receives the results of authentication and identification.

When the result of authentication and identification of the bio information is received from the management server 100 through the recognition result receiving unit 330, the financial transaction acceptance unit 340 transmits the authentication result to the financial transaction terminal 300, (115), and provides the approval transaction details to the financial transaction terminal (115).

The transaction approval message providing unit 345 transmits an escrow message for financial transaction approval to the communication medium 120 or a communication means such as a smart phone registered in the financial institution server 105.

In this case, the financial institution server 105 processes the money transfer for the financial transaction when a response to the transmitted escrow message is confirmed, and if a response to the escrow message is not confirmed, , It is possible to automatically process the money transfer for the financial transaction.

The storage medium 2 stores one or more pieces of information to be stored, managed, extracted and generated in the process of providing a media storage financial service based on distribution management of bio information according to the present invention.

3, the storage medium 2 is provided in the financial institution server 105. However, the storage medium 2 may be stored in the financial institution server 105 in the course of implementing the present invention. 105 may be provided in separate servers linked to each other, but the present invention is not limited thereto.

In the storage medium 2, a non-identification confirmation key and a customer's customer information, a unique identification number, and a financial account are stored.

4 is a functional block diagram of a financial transaction terminal according to an embodiment of the present invention.

4 is a flowchart illustrating a functional configuration of a financial transaction terminal 115 having a bio information financial transaction mode in which financial transactions can be performed using bio information. The functional configuration of the various financial transaction terminals 115 capable of financing transactions using the bio information can be inferred by referencing and / or modifying the FIG. 4. However, It is to be understood that the invention is not limited thereto but includes all of the above-mentioned embodiments.

Referring to FIG. 4, a financial transaction terminal 115 having a bio information financial transaction mode capable of financial transactions using bio information basically includes a control unit 400, a memory unit 440, a card reader unit 405, And a power supply unit 445 for supplying power to the financial transaction terminal 115 and the screen output unit 410, the communication processing unit 425, the security application module 430, the print output unit 435, And may include at least one terminal function unit (not shown) according to the intention of a person skilled in the art.

The control unit 400 controls the overall operation of the financial transaction terminal 115, manages the flow of information or data between the respective components, functions as a financial transaction terminal 115 to enable financial transactions using bio information, And at least one processor including a CPU (Central Processing Unit) / MPU (Micro Processing Unit) and an execution memory (e.g., a register and a register) And a bus (BUS) for inputting / outputting predetermined data, and further comprising a bus (BUS) for inputting / outputting predetermined data, (Routine) loaded into the execution memory from the processor and processed by the processor, and / or A predetermined program recorded in a recording medium provided in the financial transaction terminal 115 so as to enable financial transactions using biometric information, and / or a function configuration provided in the financial transaction terminal 115 And that the components that can be processed by software are provided in the control unit 400).

The control unit 400 may control the components included in the financial transaction terminal 115 such as the memory unit 440, the card reader unit 405, the key input unit 415, The security application module 430 and the print output unit 435 and / or a terminal function unit (not shown) according to the intention of the person skilled in the art), interworking with the output unit 410, the communication processing unit 425, (115), and controls and manages the components provided in the financial transaction terminal (115) for financial transaction using the bio information according to the present invention And / or a program recorded on a recording medium provided in the financial transaction terminal 115 for financial transaction using the bio information.

The memory unit 440 may store a predetermined program routine (or a code) and / or program data (for example, a program routine (or a code)) for controlling the overall operation of the financial transaction terminal 115, Volatile memory for storing at least information (or information) to be recorded on a recording medium, such as a hard disk drive (HDD) or a hard disk drive (HDD), which is hardware-encompassed by an EEPROM (Electrically Erasable and Programmable Read Only Memory) and / The control unit 400 may include one or more storage means, and the control unit 400 may include predetermined program routines and program data required for performing a predetermined control function, and program data (for example, Data) is stored.

According to an embodiment of the present invention, the memory unit 440 may store a financial channel unique identification number.

The card reader unit 405 is a contact type IC card (or a wireless IC chip) based on the ISO / IEC 7810 standard, and / or an ISO / IEC 7816 standard, and / It is possible to provide an interface for reading at least one information or data provided on a card including at least one contactless IC card (or wireless IC chip) based on the IEC 14443 standard.

The card reader unit 405 includes an MS reader unit for providing an interface between the MS card and the financial transaction terminal 115 and a contact unit for providing an interface between the contact type IC card and the financial transaction terminal 115 And a noncontact IC reader unit for providing an interface between the contactless IC card and the financial transaction terminal (115).

The MS reader unit is a card reader unit 405 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and may include predetermined information (for example, (Or the magnetic head moves in close contact with the MS card in which the predetermined information is recorded) in the predetermined direction, the MS card in which the MS card in which the binary data (binary data) It is possible to interfere with the financial transaction terminal 115 with predetermined information or data from at least one track (track) provided in the MS of the MS card.

The contact type IC reader unit includes a card reader unit 405 based on ISO / IEC 7816, and includes at least one contact point which is in electrical contact with the COB (Chip On Board) provided in the contact type IC card And supplies predetermined information or data from the IC chip through the half-duplex transaction using an APDU (Application Protocol Data Unit) to supply power to the IC chip of the IC card through the contact point And may interface with the financial transaction terminal 115.

The noncontact type IC reader unit is a card reader unit 405 based on ISO / IEC 14443 and uses at least a noncontact type IC card as a non-contact type IC card using capacitive coupling and / or inductive coupling The IC chip includes at least one antenna, and supplies power to the IC chip of the IC card through the antenna, and transmits predetermined information or data from the IC chip through the half-duplex transaction using the APDU. And may interface with the transaction terminal 115.

The card reader unit 405 may receive predetermined card information (for example, card information) from at least one or more card reader units 405 for the electronic payment service defined in the financial transaction terminal 115, Payment means information corresponding to a payment means including at least one of a credit card, a check card, a debit card, a cash card, and a financial account).

The key input unit 415 may include at least one key button having at least one numeric key and / or a character key and / or a function key, (Or signal) input from the key input device of the key input device in the specific input mode and / or operation mode of the financial transaction terminal 115 controlled by the control unit 400, Generates a key event corresponding to the input information (or signal), and provides the generated key event to the control unit 400 when the predetermined information (or signal) , The controller 400 acquires predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial transaction terminal 115, and / or matches the key event to define Characterized in that for obtaining a command to execute a predetermined function. The key input unit 415 and the key input device having at least one or more key buttons may function as key input means provided in the financial transaction terminal 115. [

The key input device coupled to the key input unit 415 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a character key (e.g., an alphabetic character key and / And / or at least one numeric key and a function key in cooperation with the screen output means, and / or at least one numeric key, a character key and a function key, And may include at least one or more touch screen devices.

According to an embodiment of the present invention, the key input unit 415 receives key data corresponding to the electronic settlement service (for example, payment And a key input means for inputting at least one or more of the at least one or more keys required for financial transactions using the bio information from the key input device for financial transaction using the bio information according to the present invention, Key input means for inputting the key data.

According to an embodiment of the present invention, the key input device corresponding to the key input unit 415 may be configured to use the bio information according to the present invention in the initial mode and / or the general payment mode, And a key button for switching to the financial transaction mode.

The screen output unit 410 may display an LCD (Liquid Crystal Display) and / or a CRT (CRT) by the controller 400 in the course of performing a predetermined function (e.g., electronic payment processing function) And a Cathode Ray Tube (hereinafter referred to as " Cathode Ray Tube "). The screen output unit 410 and the screen output unit 410 can output at least one or more information or data, The screen output device can function as a screen output means provided in the financial transaction terminal 115 in cooperation with each other.

Information or data predefined to be output to the screen output device by the financial transaction terminal 115 may be key data input through the key input unit 415 and / (Or data) stored or generated by the component, information (or data) transmitted and received through the communication processing unit 425, and / or information (or data) corresponding to a predetermined calculation result performed by the financial transaction terminal 115 Or data).

According to a preferred embodiment of the present invention, the screen output unit 410 outputs an electronic settlement processing screen for each electronic settlement step to the screen output device for the electronic settlement service defined in the financial transaction terminal 115 A screen output means for outputting a processing screen corresponding to the financial transaction step using the bio information to the screen output device for financial transaction using the bio information according to the present invention, Function can be performed.

The communication processing unit 425 is connected to a financial institution through a payment network (for example, a VAN (Value Added Network)) in the course of performing a predetermined function (e.g., electronic payment processing function) A terminal (or a device) connected to the server 105 and / or the financial transaction terminal 115 via a predetermined cable and / or a terminal (or device) connected to the financial transaction terminal 115 through predetermined short- A network communication unit for connecting a predetermined communication channel with a financial institution server 105 on a wired / wireless network, and / or a predetermined cable communication port A cable communication unit for connecting a communication session with a predetermined terminal (or a device) through the at least one short-range communication terminal (or at least one short- A communication protocol for connecting the communication channel (or a communication session), and / or a communication protocol for connecting the communication channel (or communication session) . ≪ / RTI >

The network communication unit may be a predetermined wired network and / or a mobile communication network including a Value Added Network (VAN) or a financial cooperative network or a high-speed Internet (e.g., ADSL / VDSL / Cable Network / And connects a communication channel with a financial institution server 105 on a wired / wireless network through a predetermined wireless network including a wireless data communication network. In order to connect the financial transaction terminal 115 to a predetermined wired / wireless network Or a NIC (Network Interface Card), and may include a communication protocol and / or a driver for connecting the financial transaction terminal 115 to the wired / wireless network in a software manner.

The cable communication unit connects a cable communication session with a predetermined terminal (or device) through a predetermined cable communication (for example, RS-232c or USB (Universal Serial Bus)). And / or a driver for software communication of the cable communication.

The short-range wireless communication unit may be a wireless communication unit such as a beacon, a proximity wireless communication (NFC), an infrared ray communication, an RF (radio frequency) communication, a Bluetooth, a wireless LAN, a Wi- (Or devices) through at least one or more short-range wireless communication means including at least one UWB (Ultra Wide Band system), and the wireless communication session is connected to a predetermined terminal And a predetermined short range wireless communication module for short range wireless communication including communication, Bluetooth, wireless LAN, Wi-Fi, UWB, beacon and NFC, and comprises a communication protocol and / or driver for the short- .

According to an embodiment of the present invention, a terminal (or a device) to which a short-range communication session is connected through the short-range communication unit may include a customer's communication medium 120, To the communication medium (120).

The secure application module (SAM) 430 may be a secure application module (SAM), a secure application module (SAM) 430, a secure application module (SAM) 430, (Or a financial institution server) on a payment network, and / or a security requirement including authentication and / or integrity and / or nonrepudiation to the financial transaction terminal 115) is a safety device for performing a secure and reliable structure in the financial transaction terminal (115), wherein the financial transaction terminal (115) has a function of providing a predetermined security function (for example, electronic payment and / or financial transaction function using electronic payment and / Encrypts or decrypts a predetermined message (information or data) to be processed in the process of performing the authentication process, and adds an authenticator to prevent forgery (or modulation) of the message Or to store important key information in the process of performing the security request function.

The bio-information recognizing unit 420 recognizes the physical characteristics such as the fingerprint, face, iris, vein, voice, retina, hand shape, palm shape and laceration of the customer and behavioral characteristics such as handwriting, keyboard typing, (Or input) device capable of recognizing the bio information such as the bio information.

The print output unit 435 outputs a process of performing a predetermined function (for example, a financial transaction processing function using biometric information, an electronic payment processing function) and / or a predetermined information (For example, a receipt printing machine), and outputting the print information or data to a predetermined printing apparatus (e.g., a receipt printing machine) in accordance with a predefined print form, Lt; RTI ID = 0.0 > and / or < / RTI >

4, the financial transaction terminal 115 includes a mode check unit 455, an information input unit 460, a bio-information check unit 465, and a bio-information check unit 450 to enable financial transactions using bio information according to the present invention. An information transmitting unit 470, an information processing unit 475, and a unique identification number transmitting unit 480.

The mode checking unit 455 checks whether the operation mode of the financial transaction terminal 115 is a bio information financial transaction mode for financial transactions using the bio information according to the present invention.

If it is determined that the operation mode of the financial transaction terminal 115 is not the bio information financial transaction mode, the financial transaction terminal 115 performs a conventional electronic settlement processing function, When the operation mode is confirmed in the bio information financial transaction mode, the mode check unit 455 outputs the bio information financial transaction mode check result through the screen output unit 410, and then the information input unit 460, And provides it to the information confirmation unit 465.

When the operation mode of the financial transaction terminal 115 is confirmed in the bio information financial transaction mode, the information input unit 460 confirms input of financial transaction information for financial transaction using bio information.

When the operation mode of the financial transaction terminal 115 is confirmed in the bio information financial transaction mode, the bio information confirmation unit 465 confirms the bio information of the customer recognized or input through the bio information recognition unit 420 do.

The information transmitting unit 470 transmits the bio information verified through the bio information verifying unit 465 and the financial transaction information verified through the information input unit 460 and the financial channel unique identification number And transmits the generated bioinformation financial transaction request information to the financial institution server 105 through the communication processing unit 425. The bioinformation financial transaction request information is transmitted to the financial institution server 105 through the communication processing unit 425. [

The information processing unit 475 receives the financial transaction approval details corresponding to the transmitted bioinformation financial transaction request information from the financial institution server 105 and transmits the financial transaction approval details to the screen output unit 410 Or prints and outputs the print data through the print output unit 435.

When the communication medium 120 of the customer accessing the communication range of the short range wireless communication unit included in the financial transaction terminal 115 is detected, the unique identification number transmission unit 480 transmits the unique identification number to the communication medium 120, And transmits the unique identification number of the financial channel stored in the memory unit 440 to the communication medium 120. [

FIG. 5 is a diagram illustrating a functional configuration of a communication medium of a customer according to an embodiment of the present invention.

In more detail, FIG. 5 stores a non-identification confirmation key and bio information piece 1 provided from the financial institution server 105, and receives a financial channel unique identification number from the financial transaction terminal 115 shown in FIG. 4 (1) and a financial channel unique identification number to the management server (100) shown in FIG. 2 when receiving the non-identification key, the bio-information piece (1) Those skilled in the art will be able to refer to and / or modify Figure 5 to derive various implementations of the functional configuration of the communication medium 120, And the technical features of the present invention are not limited only by the method shown in FIG. The communication medium 120 of FIG. 5 may include at least one of various tablet PCs, PDAs, and various mobile phones as well as various smart phones capable of wireless communication and short-range wireless communication.

5, the communication medium 120 includes a control unit 500, a memory unit 540, a screen output unit 505, a key input unit 510, a sound output unit 515, a sound input unit 520, A short range wireless communication unit 525, a wireless network communication unit 530 and a proximity wireless communication unit 535, and may have a battery 545 for power supply.

The control unit 500 is a general term for controlling the operation of the communication medium 120. The control unit 500 includes at least one processor and an execution memory, BUS).

According to the present invention, the control unit 500 loads at least one program code included in the communication medium 120 through the processor, and loads the program code into the execution memory, and outputs the result to at least one function And controls the operation of the communication medium (120). Hereinafter, the configuration of an application provided in the communication medium 120 for the present invention, which is implemented in the form of program code for convenience, will be described in the control unit 500. FIG.

The memory unit 540 is a generic name of a nonvolatile memory corresponding to a storage resource of the communication medium 120 and includes at least one program code executed through the control unit 500 and at least one Save and maintain the dataset.

The memory unit 540 basically includes a system program code and a system data set corresponding to an operating system of the communication medium 120, a communication program code and a communication data set for processing a wireless communication connection of the communication medium 120, One application program code and application data set are stored, and the program code and data set corresponding to the application provided for the present invention can also be stored in the memory unit 540.

According to the embodiment of the present invention, the memory unit 540 may store the non-identification confirmation key, the bioinformation piece 1, and the private key provided from the financial institution server 105.

The screen output unit 505 includes a screen output unit (e.g., an LCD (Liquid Crystal Display) or the like) corresponding to the output resource of the communication medium 120 and a driving module for driving the screen output unit And outputs the operation result corresponding to the screen output among the various operation results of the controller 500 to the screen output device.

The key input unit 510 includes at least one user input device corresponding to the input resource of the communication medium 120 such as a button, a keypad, a touch pad, a touch screen interlocked with the screen output unit 502, And a driving module for inputting a command for instructing various operations of the control unit 500 in cooperation with the control unit 500 or inputting data necessary for the operation of the control unit 500. [

The sound output unit 515 includes a speaker corresponding to an output resource of the communication medium 120 and a driving module for driving the speaker, and the sound output unit 515 is connected to the control unit 500, And outputs an operation result corresponding to the output through the speaker. The driving module decodes sound data to be outputted through the speaker and converts the sound data into a sound signal.

The sound input unit 520 includes a microphone corresponding to an input resource of the communication medium 120 and a driving module for driving the microphone, and transmits the sound data input through the microphone to the control unit 500. The driving module encodes and encodes a sound signal input through the microphone.

The wireless network communication unit 530 and the short-range wireless communication unit 525 collectively refer to communication resources for connecting the communication medium 120 to a designated communication network. Preferably, the communication medium 120 may include a wireless network communication unit 530 as a basic communication resource, and may include one or more short-range wireless communication units 525.

The wireless network communication unit 530 collectively refers to a communication resource for connecting the communication medium 120 to a wireless communication network via a base station. The wireless communication unit 530 includes an antenna, an RF module, a baseband module, And may include at least one processing module. The control unit 500 may be connected to the control unit 500 to transmit operation results corresponding to wireless communication among the various operation results of the control unit 500 through a wireless communication network, To the controller 500, and to perform the connection, registration, communication, and handoff procedures of the wireless communication.

According to the present invention, the wireless network communication unit 530 can connect the communication medium 120 to a telephone communication network including a communication channel and a data channel via the exchange, and in some cases, May be connected to a data network providing communication-based wireless network data communication (e.g., the Internet).

In addition, the wireless network communication unit 530 includes a mobile communication configuration that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to a CDMA / WCDMA / LTE standard.

Meanwhile, according to the intention of a person skilled in the art, the wireless network communication unit 530 may further include a portable Internet communication configuration for performing at least one of connection to the portable Internet, location registration, data communication and handoff according to the IEEE 802.16 standard, It is clear that the present invention is not limited by the wireless communication configuration provided by the wireless network communication unit 530. [ That is, the wireless network communication unit 530 is a general term for a configuration unit that accesses a wireless communication network through a cell-based base station irrespective of a frequency band of a wireless section, a type of a communication network, or a protocol.

The short-range wireless communication unit 525 connects a communication session using a radio frequency signal within a predetermined distance (for example, 10 m), and transmits a communication resource for connecting the communication medium 120 to a terminal (or a device or a communication network) The communication medium 120 can be connected to the terminal (or device) or the communication network through at least one of beacon communication, Wi-Fi communication, Bluetooth communication, public wireless communication, and UWB.

According to various embodiments, the short-range wireless communication unit 525 may be integrated with or separated from the wireless network communication unit 530. According to the present invention, the short-range wireless communication unit 525 communicates with the financial transaction terminal 115 via beacon communication or Bluetooth communication to receive a financial channel unique identification number from the financial transaction terminal 115 provided on the off- Can be connected.

The proximity wireless communication unit 535 is a communication unit that processes at least one of proximity wireless communication, bidirectional proximity wireless communication, full-duplex proximity wireless communication, and half-duplex proximity wireless communication using a radio frequency signal as a communication medium at a close distance (e.g., As a collective term of resources, it is possible to process the proximity wireless communication according to the NFC (Near Field Communication) standard of the 13.56 Mz frequency band. Alternatively, the proximity wireless communication unit 509 may process the proximity wireless communication of the ISO 18000 series standard, and in this case, may process the proximity wireless communication for the frequency band other than the 13.56 Mz frequency band. For example, the proximity wireless communication unit 535 can operate in a reader mode, a tag mode, or a bidirectional communication mode.

According to an embodiment of the present invention, the proximity wireless communication unit 535 may receive the financial channel unique identification number from the financial transaction terminal 115 provided on the off- Communication can be connected.

5, the control unit 500 of the communication medium 120 includes an information receiving unit 550, an information storing unit 555, a unique identification number receiving unit 560, a bio information recognition waiting request unit 565, And an acknowledgment message receiving unit 570.

The information receiving unit 550 receives the non-identification confirmation key, the bio information piece 1, and the private key according to the present invention from the financial institution server 105.

The information storage unit 555 maps the non-identification confirmation key, the bio-information piece 1 and the private key received through the information receiver 550 and stores the mapped information in the memory unit 540.

The unique identification number receiving unit 560 receives the financial channel unique identification number from the financial transaction terminal 115 when the communication medium 120 of the customer is connected to the financial transaction terminal 115 by short range wireless communication.

The bio-information recognition waiting request unit 565 connects the communication channel with the management server 100 through the wireless network communication unit 530 when the unique identification number is received through the unique identification number receiver 560 , Requests the management server 100 to wait for authentication and identification of the bio information by providing the management server 100 with the received financial channel unique identification number, the non-identification confirmation key and the bio information piece 1 stored in the memory unit 540 .

Here, it is preferable that the bio-information piece 1 and the financial channel unique identification number are encrypted using the private key stored in the memory unit 540 and transmitted to the management server 100.

The transaction approval message receiver 570 receives the non-identification confirmation key, the financial channel unique identification number and the bio information fragments 1 through the bio-information recognition waiting request unit 565, If approval of the financial transaction using the requested bio information is processed through the financial institution server 105 after the request for financial transaction using the bio information is received from the financial institution server 105, Message.

FIG. 6 is a diagram illustrating a bio information piece registration process according to an embodiment of the present invention.

In more detail, FIG. 6 shows a case where a customer accesses a financial institution server 105 through a terminal 110 for registering bio-information and requests registration of bio-information, The separated piece of bio information piece 1 is separated into a piece of bio information piece 1 and a piece of bio information piece 2 so as to be transmitted to the customer's communication medium 120 and stored, 6 is a flowchart illustrating a process of transmitting and storing biometric information of a customer to the management server 100 according to an exemplary embodiment of the present invention. The present invention can be applied to all of the above-mentioned embodiments, and the present invention can be applied to the implementation The technical features are not limited by the method alone.

Referring to FIG. 6, the process of registering biometric information fragments may be initiated (600) from a process of receiving a biometric information registration request of a customer from a terminal 110 at a financial institution server 105.

According to an embodiment of the present invention, the terminal 110 for registering the biometric information of the customer may include the wired terminal and the wireless terminal of the customer, and the wired terminal and the wireless terminal of the customer may register the biometric information Or may be interlocked with a separate bio-information recognition interface.

According to another embodiment of the present invention, the terminal 110 may be an outlet terminal of a financial institution visited by the customer for registration of bio information, an ATM of the financial institution, May include a bio-information recognition interface for registering the bio-information, or may be interlocked with a separate bio-information recognition interface.

The financial institution server 105 receives and confirms the customer's bio information and customer information inputted from the terminal 110 in operation 605 and transmits the bio information to the bio information piece 1 and the bio information piece 2 (610).

When the bio information of the customer is separated into the bio information piece 1 and the bio information piece 2, the financial institution server 105 generates and assigns a non-identification confirmation key to be mapped to the separated bio information piece 615).

According to the method of the present invention, the non-identification confirmation key is a random number that can not be used for customer identification, is mapped to the separated bio information piece (1) and stored in the communication medium (120) The bio-information piece 2 may be mapped to the bio-information piece 2 and stored in the management server 100.

As described above, when the customer's bio information is separated into the bio information piece 1 and the bio information piece 2, and the non-identification confirmation key to which the separated pieces of the bio information piece 1 and the bio information piece 2 are mapped is allocated , The financial institution server 105 generates an asymmetric encryption key (a public key and a private key) corresponding to the non-identification key or the separated pieces of bio information.

Then, the financial institution server 105 transmits (625) the non-identification key, the bio-information piece (1), and the private key to the customer's communication medium (120) The biometric information piece 2 and the public key are transmitted to the management server 100 and stored (630).

The customer's communication medium 120 receives (635) a non-identifying key, a piece of biometric information 1, and a private key from the financial institution server 105 and stores the received non-identifying key, , And stores the private key in the memory or chip of the communication medium 120 (640).

The management server 100 receives the non-identifying key, the piece of biometric information 2 and the public key from the financial institution server 105 (645), and transmits the received non-identifying key, , And stores the public key in the storage medium 1 (650).

FIG. 7 is a diagram illustrating a financial transaction waiting process using a bio-information piece separately stored in a communication medium and a management server according to an embodiment of the present invention.

In more detail, FIG. 7 is a flow chart illustrating a process of separating the bio information of a customer into a bio information piece 1 and a bio information piece 2 through the process of FIG. 6 and transmitting them to a communication medium 120 and a management server 100 The customer's communication medium 120 receiving the financial channel unique identification number via the short distance wireless communication from the financial transaction terminal 115 stores the financial channel unique identification number and the non-identification confirmation key, the bio information piece 1 And transmits the financial channel unique identification number to the management server 100 until the financial transaction using the customer's bio information is requested from the management server 100 through the financial transaction terminal 115. [ 1 and the bio-information piece 2, and stores and waits. Referring to FIG. 7 and / or modified by the person skilled in the art, Communication The present invention can be applied to various methods for waiting for a financial transaction using a piece of bioinformation separated and stored in a medium and a management server. However, the present invention includes all of the above- The technical features thereof are not limited only by the method of implementation.

Referring to FIG. 7, after the process of FIG. 6, a process of connecting a short-distance wireless communication with a communication medium 120 of a customer accessing for a financial transaction at a financial transaction terminal 115 may be started (700).

When the short distance wireless communication between the financial transaction terminal 115 and the customer's communication medium 120 is connected, the financial transaction terminal 115 transmits the stored financial channel unique identification number to the customer's communication To the medium 120 (705).

When the customer's communication medium 120 receives the financial channel unique identification number from the financial transaction terminal 115 in operation 710, the customer's communication medium 120 transmits the financial channel unique identification number and the bio- And encrypts it with the private key provided from the server 105 (715).

The customer's communication medium 120 transmits the encrypted financial channel unique identification number and the piece of bio information 1 together with the non-identification confirmation key stored in advance to the management server 100, (720) to wait for authentication and identification of the biometric information of the customer at the time.

The management server 100 receives the encrypted financial channel unique identification number and the piece of bioinformation 1 from the communication medium 120 of the customer and a non-identification confirmation key (725) (730) a corresponding public key and biometric information piece (2) from the storage medium (1), and transmits the encrypted financial channel unique identification number and the bioinformation piece (1) using the verified public key (735).

The management server 100 maps the bio-information piece 1 and the bio-information piece 2 to the financial channel unique identification number and stores the bio-information piece 1 and the bio-information piece 2 in the storage medium 1, At the time of transaction, the system waits for authentication and identification of the customer's bio information (740).

FIG. 8 is a diagram illustrating a financial transaction processing process using a piece of bio information separated and stored in a communication medium of a customer and a management server according to an embodiment of the present invention.

FIG. 8 is a flowchart illustrating a method of processing a bio-information fragment (a bio-information fragment) stored in the management server 100 when a financial transaction using biometric information of a customer is requested through the financial transaction terminal 115 after the process of FIG. 1 and the biometric information piece 2 to process the requested financial transaction by processing authentication and identification of the biometric information. As shown in FIG. 1, 8, the bio information piece 1 and the bio information piece 2 are used to authenticate and identify the customer's bio information, and various methods for processing the financial transaction are inferred However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG. 8 .

Referring to FIG. 8, after the process of FIG. 7 is performed, the process of confirming input of biometric information and financial transaction information of a customer at the financial transaction terminal 115 in response to a financial transaction request using biometric information of a customer (800).

According to the embodiment of the present invention, the financial transaction terminal 115 may be a branch office terminal, an ATM (unmanned financial terminal), an affiliate shop POS, or the like according to a financial transaction channel, A bio information recognition interface for inputting information or a separate bio information recognition interface.

When the input of the bio information and the financial transaction information of the customer is confirmed, the financial transaction terminal 115 transmits the bio information and the financial transaction information together with the financial channel unique identification number to the financial institution server 105, (805).

When the financial institution server 105 receives the biometric information, the financial transaction information and the financial channel unique identification number of the customer from the financial transaction terminal 115 in operation 810, the financial institution server 105 transmits the biometric information, And sends a financial channel unique identification number to the management server 100 to request authentication and identification of the bio information (815).

When the management server 100 receives the bio information and the financial channel unique identification number of the customer from the financial institution server 105 in operation 820, the management server 100 extracts bio information fragments, which are mapped with the received financial channel unique identification number, 1) and the bioinformation piece 2 from the storage medium 1 (825).

The biometric information is constructed by combining the verified (or extracted) pieces of the biometric information 1 and the biometric information pieces 2, and transmits the configured biometric information to the biometric information of the customer received from the financial institution server 105 (The bio information input through the financial transaction terminal) to process authentication and identification of the bio information (830).

The management server 100 transmits the result of authentication and identification processing for the bio information to the financial institution server 105 (835), and transmits the bio information used for authentication and identification of the bio information And the bio information pieces (bio information piece 1 and bio information piece 2) are deleted (840).

When the result of authentication and identification of the bio information is received from the management server 100 in step 845, the financial institution server 105 receives a request from the financial transaction terminal 115 in response to the received bio information authentication and identification result (850), and provides the determined financial transaction approval details to the financial transaction terminal 115 (855).

Also, the financial institution server 105 can transmit an escrow message for financial transaction approval to the customer's communication medium 120 or the mobile phone. After receiving the confirmation of the transmitted escrow message, You can process the money transfer.

If the confirmation of the transmitted escrow message is not notified, the financial institution server 105 may automatically process the money transfer according to the financial transaction after a predetermined period of time elapses.

100: management server 105: financial institution server
110: terminal 115: financial transaction terminal
120: Customer communication medium
200: Biometric information piece receipt unit 205: Non-identification confirmation key receiver
210: Information storage unit 215: Biometric information recognition standby information receiving unit
220: Biometric information recognition standby processing unit 225: Biometric information recognition request reception unit
230: Biometric information recognition processing unit 235:
300: Bio information receiving unit 305: Bio information piece separating unit
310: non-identification confirmation key assigning unit 315: asymmetric key generating unit
320: bio information piece processing unit 325: financial transaction request receiving unit
330: Bio-information recognition requesting unit 335:
340: financial transaction approval section 345: transaction approval message provision service

Claims (8)

1. A system for providing a media storage financial service based on distribution management of bio information provided in a management server communicating with a financial institution server having one or more financial channels,
A bio information piece (2) constituting the remainder of the bio information is received from a financial institution server storing the bio information piece (1) constituting a part of the bio information registered by the customer in the personal media owned by the customer A piece receiving unit;
A non-identification confirmation key receiving unit receiving a non-identification confirmation key defined to be mapped to the bio-information piece (1) and the bio-information piece (2) from the financial institution server and a public key generated corresponding to the non-identification confirmation key;
An information storage unit for mapping the public key to the bio-information piece (2) and the non-identification confirmation key and storing the public key in the storage medium (1);
(1) and a non-identification confirmation key corresponding to the financial transaction terminal from a communication medium of a customer through a financial transaction terminal connected to the financial institution server A bio-information recognition standby information receiving unit for receiving bio-information;
Identifying a piece of bio information piece (2) mapped with a non-identifying confirmation key received from the communication medium from the storage medium (1), and transmitting the piece of bio information piece (1) received from the communication medium A bio-information recognition wait processing unit for mapping the identified bio-information piece 2 to the financial channel unique identification number and storing it in the storage medium 1 to wait for bio-information recognition;
A bio-information recognition request receiving unit for receiving biometric information of a customer inputted from the financial transaction terminal and a financial channel unique identification number corresponding to the financial transaction terminal from the financial institution server;
(1) and a bio information piece (2) stored in the storage unit (1) mapped to the received financial channel unique identification number, and stores the bio information piece (1) and the bio information piece 2) to construct bio information, and then matching the bio information with the customer's bio information received from the financial institution server;
And a recognition result transmitting unit for transmitting a matching recognition result of the bio information corresponding to the financial channel unique identification number to the financial institution server,
The financial institution server,
Generating a public key and a private key corresponding to the non-identification confirmation key, transmitting the public key and the non-identification confirmation key to the management server, and transmitting the private key and the non- , ≪ / RTI >
The communication medium of the customer includes:
(1) and a private key from the financial institution server, and receives the financial transaction unique identification number from the financial transaction terminal through short-range wireless communication. Distributed management based media storage financial service provisioning system.
delete delete The method according to claim 1,
The financial channel unique identification number, the bioinformation piece (1), and the non-identification confirmation key are transmitted to the management server through a financial transaction terminal capable of short-range wireless communication, or transmitted to the management server through the wireless communication A system for providing a media storage financial service based on distributed management of bio information.
delete The bio-information recognition system according to claim 1,
(2) extracted from the storage medium (1) and the bio information and the bio information piece (1) after matching the bio information of the customer A media storage financial service provision system based on distributed information management.
The system according to claim 1,
Wherein the financial transaction request of the customer is approved according to a matching recognition result of the bio information corresponding to the financial channel unique identification number.
The system according to claim 1,
And transmits a transaction approval escrow message to the communication medium of the customer according to the matching result of the bio information corresponding to the financial channel unique identification number.

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