KR101792005B1 - Electronic payment system using finger vein recognition and method for processing thereof - Google Patents

Abstract

According to the present invention, an electronic payment system using fingerprint and finger vein recognition includes a communication network and a payment service server. The payment service server receives first fingerprint and finger vein recognition information from a customer client through a communication network to register the first fingerprint and finger vein recognition information in a manner corresponding to a payment means, compares first and second fingerprint and finger vein recognition information when the second fingerprint and finger vein recognition information is transmitted from a merchant client to authenticate the customer, and processes a payment through the payment means corresponding to the first fingerprint and finger vein recognition information. An authentication device unit (2100) obtaining the fingerprint and finger vein recognition information has an authentication device unit space (2500) formed to have a narrow upper part and a wide lower part to store the fingerprint and finger vein recognition information authentication device unit (2100) on the lower end of the side surface parts (2400) of a body of a smartphone. A fingerprint recognition module (2310) is formed on the upper part of the side surface parts (2400) of the body while having an empty space on the lower side to arrange a finger thereon. The authentication device unit space (2500) has an image sensor (2510a) for capturing images of a finger (f) and an infrared transmission unit (2520a) while having a recognition circuit mount unit for controlling the same. The electronic payment system uses the recognition of fingerprint and finger vein recognition formed on an edge of a smartphone.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system using fingerprint and fingerprint recognition,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system using fingerprints and fingerprint recognition formed on a smartphone edge, and more particularly, to an electronic payment system formed on a smartphone edge for replacing a credit card payment method using fingerprint and fingerprint recognition And a method thereof.

The present invention relates to a technique related to Patent Registration No. 10-1616266, International Patent Classification No. G06Q 20/40 and Patent Application No. 10-2016-46135 filed by the present applicant, which uses a fingerprint and finger vein recognition formed on a smartphone edge An electronic payment system and a method thereof.

Biometric technology refers to technology that identifies or identifies an individual using biometric information. Until now, biometrics have been using fingerprints, faces, irises or voices to identify individual identities.

The fingerprint recognition technology is small in recognition device and can be mass-produced at low cost. Also, it shows relatively good performance in terms of accuracy and speed of recognition. However, fingerprints are exposed outside the body and are likely to be stolen and deformed by sweat, which can affect recognition performance. There are also hygiene problems. Iris recognition technology is the most reliable biometric technology in that recognition errors are unlikely and counterfeiting is difficult. However, most people are reluctant to shine directly in the eye for iris recognition, and iris recognition devices are large and expensive. Face or voice recognition technology has the advantage of being the most natural form of biometric information in identity recognition. However, it has a disadvantage in that it is less accurate than other technologies in terms of recognition accuracy.

In order to overcome and overcome the disadvantages of the biometric techniques described above, finger vein recognition technology has been developed. The finger vein recognition technology refers to a technique for identifying an individual using a finger vein pattern image acquired through infrared rays. Human veins are located in complex shapes directly beneath the skin. According to various studies, the pattern of the veins is different for each individual, and it is known that the pattern does not change with age. The fingerprint recognition technology has the following advantages. That is, since the vein is inside the body, there is little risk of theft or forgery, and the state of the finger surface has no effect on the recognition. In addition, it is possible to construct a noncontact type device with high convenience for the user by using infrared rays. Since the finger pattern can be stably and relatively clearly searched, a camera having a low resolution can be used to obtain a small fingerprint image have. That is, fingerprint recognition technology can provide balanced performance in terms of security and convenience.

Due to these advantages, finger vein recognition technology is more difficult than fingerprint, iris, face and voice recognition technology for counterfeit modulation. Therefore, biometric authentication device with higher safety can be realized and miniaturization is possible. .

Since the image of the finger vein can be picked up only by a large image sensor, the image of the finger vein can be used only for a high-priced part such as a lens of the image sensor or a high precision. And the technology of the finger vein was not universalized.

Korean Registered Patent No. 10-0954776 (published on Apr. 28, 2010) Korean Patent Registration No. 10-1050301 (Bulletin issued on July 19, 2011) Korean Patent Laid-Open Publication No. 10-1025666 (Announcement on Mar. 30, 2011) Korean Patent Laid-Open Publication No. 10-1210750 (December 10, 2012)

SUMMARY OF THE INVENTION It is an object of the present invention to provide an electronic payment system and a method thereof using fingerprint recognition to replace a credit card payment method.

Another object of the present invention is to provide an electronic payment system and method for supplementing and recognizing finger temperature and blood flow during electronic payment using finger vein recognition.

It is another object of the present invention to provide an electronic payment system and method using finger vein recognition through a mobile application.

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

In view of the fact that only the image of the finger vein can be captured only by a large image sensor corresponding to the finger size, the present invention has to develop a miniaturization of the recognition device by shortening the distance to the recognition area of the finger vein There was a need.

That is, in the miniaturization of the recognizer which recognizes the fingerprint and the finger vein technically, the fingerprint on the finger surface can be recognized in the case of the visible light ray, and the vein pattern is recognized when the infrared ray is projected on the finger However, it has been necessary to manufacture a plurality of image sensors by miniaturizing the entire device by shortening the photographing distance by manufacturing a small number of image sensors.

Moreover, by improving the structure that can be embedded in a smartphone, it is necessary to provide a mechanism for easily settlement of the structure.

In order to achieve the above objects, the electronic payment system using the fingerprint and finger vein recognition of the present invention is characterized in replacing credit card payment through a mobile application. Such an electronic payment system using fingerprint and fingerprint recognition can provide security and convenience in electronic payment of a credit card or the like.

An electronic payment system using fingerprint and finger vein recognition, comprising: a communication network; A customer client connected to the communication network, the customer client obtaining first fingerprint and fingerprint information of the customer; A merchant client connected to the communication network and acquiring second fingerprint and fingerprint information for the customer of the customer client when a transaction occurs; The first fingerprint and the fingerprint information are received from the customer client through the communication network and are registered in correspondence with the payment means, and when the second fingerprint and the fingerprint information are transmitted from the merchant client, And a settlement service server for comparing the second fingerprint and the fingerprint information to authenticate the customer and processing the settlement through the payment means corresponding to the first fingerprint and the fingerprint information, The authentication device unit 2100 that acquires the finger vein information is configured to connect the authentication device sub-space 2500 into which the fingerprint and finger vein authentication device 2100 can enter the lower edge of the smartphone body side part 2400, A fingerprint recognition module 2310 is formed on the upper side of the authentication device unit 2100 and a blank finger photographing groove 2410 is formed on the lower side of the authentication device unit 2100 to place the finger f Wherein the authentication device subspace 2500 is provided with an image sensor 2510a, an infrared ray transmitter 2520a, and a recognition circuit electrical part for controlling the image sensor 2510a and the infrared sensor 2520a, It is an electronic payment system using fingerprint and fingerprint recognition built in the phone edge.

Further, the present invention provides an electronic payment system using fingerprint and finger vein recognition, comprising: a communication network; A customer client connected to the communication network, the customer client obtaining first fingerprint and fingerprint information of the customer; A merchant client connected to the communication network and acquiring second fingerprint and fingerprint information for the customer of the customer client when a transaction occurs; The first fingerprint and the fingerprint information are received from the customer client through the communication network and are registered in correspondence with the payment means, and when the second fingerprint and the fingerprint information are transmitted from the merchant client, And a settlement service server for comparing the second fingerprint and the fingerprint information to authenticate the customer and processing the settlement through the payment means corresponding to the first fingerprint and the fingerprint information, The authentication device 3100 that acquires the finger vein information includes an authentication device subspace 3500 into which the fingerprint and finger vein authentication device 3100 can enter at the right corner of the smartphone body upper portion 3400 A fingerprint recognition module 3310 is formed on the left side of the authentication device unit 3100 and a blank finger imaging groove 3410 is formed on the right side of the authentication device unit 3100, Wherein an image sensor 3510a, an infrared ray transmitter 3520a, and a recognition circuit electrical part for controlling the image sensor 3510a and the infrared sensor 3520a are formed in the authentication device subspace 3500, It is an electronic payment system using built-in fingerprint and finger vein recognition.

Further, the present invention provides an electronic payment system using fingerprint and finger vein recognition, comprising: a communication network; A customer client connected to the communication network, the customer client obtaining first fingerprint and fingerprint information of the customer; A merchant client connected to the communication network and acquiring second fingerprint and fingerprint information for the customer of the customer client when a transaction occurs; The first fingerprint and the fingerprint information are received from the customer client through the communication network and are registered in correspondence with the payment means, and when the second fingerprint and the fingerprint information are transmitted from the merchant client, And a settlement service server for comparing the second fingerprint and the fingerprint information to authenticate the customer and processing the settlement through the payment means corresponding to the first fingerprint and the fingerprint information, And an authentication device section 4100 for acquiring finger vein information are provided in an authentication device subspace 4500 in which the fingerprint and finger vein authentication device section 4100 can enter from the lower right corner of the right front side of the smartphone body side part 4400, A fingerprint recognition module 4310 is formed on the upper side of the authentication device 4100 and a blank finger imaging groove 4410 is formed on the lower side of the authentication device 4100 The authentication device sub-space 4500 is provided with an image sensor 4510a, an infrared ray transmitting portion 4520a, and a recognition circuit electrical portion for controlling the image sensor 4510a and the infrared ray transmitting portion 4520a. It is an electronic payment system using fingerprint and fingerprint recognition built in smartphone edge.

Further, the electronic settlement system of the present invention comprises: Further comprising a credit card company server for accepting payment from the payment means if the payment means is a means corresponding to a credit card. It is an electronic payment system using Mac recognition.

In the present invention, the image sensor 2510a and the infrared ray transmitter 2520a are formed in a plurality of spaces in the space 2500 to reduce the distance of the authentication device space 2500 Is an electronic payment system using fingerprint and fingerprint recognition built in smartphone edge.

In the method for processing an electronic payment system using fingerprint and fingerprint recognition according to the present invention, the fingerprint and fingerprint settlement service server of the electronic payment system may be provided with a hybrid web for fingerprint and fingerprint settlement, Accessing the fingerprint and fingerprint settlement service server through the fingerprint and fingerprint settlement service server; Acquiring the first fingerprint and finger vein information of the customer through the authentication device which activates the hybrid web for fingerprint and fingerprint settlement in which the customer client is installed and acquires first fingerprint and fingerprint information of the customer client, Providing the obtained first fingerprint and fingerprint information to the fingerprint and fingerprint settlement service server through the communication network; The fingerprint and fingerprint settlement service server stores and registers first fingerprint and fingerprint information provided from the client client in a database and transmits first fingerprint and fingerprint information to the credit card company server through the communication network; Matching the first fingerprint and fingerprint information transmitted from the fingerprint and fingerprint settlement service server with the payment means of the registered customer, and registering the same; The second fingerprint and the fingerprint information of the customer are recognized from the authentication device unit which acquires the second fingerprint and the fingerprint information of the merchant client connected to the communication network and the second fingerprint and the fingerprint information and the commerce occurrence To the fingerprint and fingerprint settlement service server to request payment approval; Comparing the second fingerprint and fingerprint information transmitted from the merchant client with the first fingerprint and the fingerprint information registered in the database and determining the customer authentication by the fingerprint and fingerprint settlement service server; If it is determined that the registered first fingerprint and fingerprint information match the second fingerprint and the fingerprint information, the fingerprint and fingerprint settlement service server transmits the fingerprint and the fingerprint information to the payment means of the customer matched with the first fingerprint and the fingerprint information The authentication device unit 2100 for acquiring the first and second fingerprints and finger vein information includes a fingerprint authentication unit 2100 and a fingerprint authentication unit 2300. The fingerprint authentication unit 2100 obtains first fingerprint information and fingerprint fingerprint information from the fingerprint authentication unit 2100 in the lower corner of the smartphone body side unit 2400, And an authentication device subspace 2500 into which the finger vein authentication device 2100 can enter are formed in the form of a coaxial light. A fingerprint recognition module 2310 is formed on the upper side of the authentication device 2100, And an image sensor 2510a for allowing the finger f to be photographed in the authentication device subspace 2500 and an infrared sensor 2510b for capturing an image of the finger f toward the finger f, The brim section 2520a and the An electronic payment system using a built-in smart phones edge, characterized in that the control circuit recognizes full-length part is formed of a fingerprint and a finger vein recognition.

Further, the electronic settlement system of the present invention comprises: When the settlement is approved through the payment means of the customer corresponding to the first fingerprint and the fingerprint information requested by the credit card company server, indicating that payment has been approved to the merchant client and the fingerprint and fingerprint settlement service server The method of processing an electronic payment system using fingerprint and fingerprint recognition built in a smartphone edge.

The present invention is a method for processing an electronic payment system using a fingerprint and fingerprint recognition built in a smartphone edge, wherein an application is downloaded and processed instead of the web.

As described above, the electronic settlement system using the fingerprint and finger vein recognition of the present invention provides an electronic settlement service using fingerprint authentication to substitute a credit card settlement through a mobile application, Security, and convenience.

Further, the electronic payment system using fingerprint and fingerprint recognition of the present invention includes a fingerprint recognizer that can be detachably attached to a customer client and an affiliate shop client to register or authenticate the fingerprint information, It is possible.

Further, the electronic payment system using the fingerprint and fingerprint recognition of the present invention can provide convenience to the user since the fingerprint information with high security can be utilized as the payment means.

Furthermore, the convergence technology that can authenticate fingerprint and fingerprint at the same time is completed, so that there is more perfect security effect.

In addition, by improving the structure that can be embedded in a smart phone, it is possible to provide a framework for easily settlement of the structure.

In this way, since the authentication part can be authenticated around the fingertip, the image pickup part of the finger vein can be authenticated, thereby making it possible to manufacture a fingerprint recognition device that is fused with the finger, (The concept of miniaturization), or the first or third compartment (concept of miniaturization and security extensibility), or the second or third compartment (concept of miniaturization and security extensibility) It is an effect that can be done as a part.

1 is a block diagram illustrating a network configuration of an electronic payment system for providing a fingerprint and / or a fingerprint settlement service according to the present invention;
2 is a block diagram showing a configuration of a client client shown in FIG.
FIG. 3 is a block diagram showing the configuration of the fingerprint and / or fingerprint settlement service server shown in FIG. 1
4 is a flowchart showing the processing procedure of the electronic settlement system according to the present invention.
5 is a diagram showing an external electronic configuration example of the authentication apparatus 1200 as a first embodiment of the present invention
Fig. 6 is a view showing a fingerprint face (a) and a side face (b) of the same finger taken by the finger vein image sensor and the finger fingerprint image sensor
7 is a block diagram of an internal electronic configuration example of a fingerprint and / or finger vein authentication device 1200 according to a preferred embodiment of the present invention
8 is a diagram showing an external electronic configuration example of the authentication apparatus 200a as a second embodiment of the present invention
9 is a schematic perspective view of a fingerprint and finger vein authentication device of a smartphone according to an embodiment of the present invention.
10 is a perspective view of a corner of a fingerprint and finger vein authentication device of a smartphone according to an embodiment of the present invention.
11 is a schematic side sectional view of a corner of a fingerprint and finger vein authentication device of a smartphone according to an embodiment of the present invention
12 is a schematic perspective view of a corner of a fingerprint and finger vein authentication device in a smartphone according to an embodiment of the present invention.
13 is a schematic cross-sectional view of a top edge of a fingerprint and finger vein authentication device of a smartphone according to an embodiment of the present invention
FIG. 14 is a schematic perspective view of the bottom edge of the front side of the smartphone in which the fingerprint and finger vein authentication device of the smartphone according to an embodiment of the present invention is installed.
15 to 17 are flowcharts for requesting registration, authentication, and deletion of a fingerprint and a fingerprint.
18 and 19 are flowcharts of the case where the fingerprint 1 and the finger vein 1 of the present invention are recognized at the same time.
20 is a block diagram illustrating a network configuration of an electronic payment system for providing fingerprint and / or fingerprint settlement services according to the hybrid web of the present invention
FIG. 21 is a block diagram showing the configuration of the client client shown in FIG. 2
22 is a flowchart showing the processing procedure of the electronic settlement system according to the hybrid web of the present invention.

The embodiments of the present invention can be modified into various forms and the scope of the present invention should not be interpreted as being limited by the embodiments described below. The present embodiments are provided to enable those skilled in the art to more fully understand the present invention. Therefore, the shapes and the like of the components in the drawings are exaggerated in order to emphasize a clearer explanation.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 1 to 4 attached hereto.

1 is a block diagram illustrating a network configuration of an electronic payment system for providing fingerprint and / or fingerprint settlement services according to the present invention.

Referring to FIG. 1, the electronic payment system 2 using the fingerprint and / or vein recognition of the present invention recognizes fingerprints and / or fingerprints so that electronic payment can be performed in place of credit card payment of customers, , And the settlement is made through fingerprint and / or finger vein authentication of the customer's identity at the time of electronic payment such as a credit card, a debit card, a check card, and a bank transfer which the customer has conventionally provided.

To this end, the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint and / or fingerprint settlement service server 100, a plurality of customer clients 200, a credit card company server 300, Merchants < / RTI >

The fingerprint and / or fingerprint settlement service server 100 registers a fingerprint and / or fingerprint information of the customer from the customer client 200 and prints a fingerprint or a fingerprint for authenticating the fingerprint and / And a Fingerprint payment application 110. The Fingerprint application 110 processes the mutual electronic settlement through the communication network 10 between the customer client 200, the merchant client 400 and the credit card company server 300. [

The customer client 200 is provided as a portable mobile terminal such as a smart phone or a tablet computer and is provided with a fingerprint and / or finger vein recognizer 210). In this embodiment, the fingerprint and / or finger vein recognizer 210 is provided in a module form inside the customer client 200, but as shown in FIG. 2, the customer client 200 and the detachable independent device . The customer client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10 to download the fingerprint and / or fingerprint payment application 110 and install the fingerprint and / or fingerprint payment application 110 therein.

The customer client 200 also activates the fingerprint and / or fingerprint payment application 202 (FIG. 2) to scan the fingerprint and / or fingerprint information thereof via the fingerprint and / or fingerprint recognizer 210, The fingerprint and / or fingerprint information scanned may be provided to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to provide a virtual payment means such as a virtual payment credit card, Virtual payment account, and so on. Of course, the fingerprint and / or fingerprint information of the customer client 200 registered in the fingerprint or / and the PDA server 100 may be used for authentication of the credit card, debit card, check card, And can be registered for verification.

The credit card company server 300 issues the virtual payment means corresponding to the fingerprint or / and the fingerprint information of the customer client 200, and determines whether or not the payment has been approved by using the fingerprint and / or the fingerprint information, The fingerprint settlement service server 100 provides the determination result. Of course, the credit card company server 300 may be provided with a fingerprint of the customer client 200 for authentication and identification of other payment means corresponding to the customer client 200, such as credit card, debit card, check card and transaction account information, and / Finger vein information can be used.

The merchant client 400 is equipped with a POS terminal, a personal computer (PC), or the like, which is provided in an affiliate store that sells a product or service through an on-off line. The merchant client 400 includes a fingerprint and / or finger vein recognizer 410 for recognizing fingerprint and / or fingerprint information of the customer. When the merchant client 400 purchases a product or a service from a customer of the customer client 200, the merchant client 400 transmits the fingerprint and / or fingerprint information of the customer through the fingerprint and / or the finger vein recognizer 410 And sends the scanned fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to request payment approval. The merchant client 400 confirms the settlement approval through the fingerprint and / or the fingerprint settlement service server 100 when the settlement for the settlement amount is approved from the credit card company server 300 (or another settlement system) .

2 is a block diagram showing the configuration of the client client shown in FIG. 1, and FIG. 3 is a block diagram showing the configuration of the fingerprint and / or FPC service server shown in FIG. 1. Referring to FIG.

Referring to FIG. 2, the customer client 200 of this embodiment is provided as a smartphone, and a fingerprint and / or a fingerprint payment app 202 is installed therein. The fingerprint and / or FPC application 202 are downloaded and installed from the fingerprint and / or FPC service server 100 through a communication network.

The smartphone 200 activates the fingerprint and / or fingerprint payment application 202 to register the fingerprint and / or fingerprint information of the customer himself / herself in the fingerprint and / or fingerprint payment service server 100. To this end, the smartphone 200 is attached with a fingerprint and / or finger vein recognizer 210. This may be accomplished by using fingerprints and / or fingerprints to eliminate the economic burden of purchasing the fingerprint and / or vein recognizer 210 and actively encouraging the use of the fingerprint and / When the fingerprint and / or the finger vein recognizer 210 is provided at a transaction site at a service company, a franchise shop or a credit card company of the fingerprint settlement service server 100 and registers and uses a fingerprint and / or a payment means using a fingerprint, And is provided in a detachable form mounted on the smart phone 200.

The fingerprint and / or finger vein recognizer 210 receives the finger vein information to authenticate the customer by recognizing the hemoglobin pattern of the vein by projecting near infrared rays or the like on the vein of a finger that is easy to use among the veins of the customer. That is, by using the fact that the vein of the finger absorbs near-infrared light and the portion other than the vein transmits near-infrared light, a near infrared ray is irradiated onto a finger and a finger having near infrared sensitivity, for example, The image of the vein can be extracted and used for personal authentication.

Specifically, the fingerprint and / or finger vein recognizer 210 may include a controller 212 for controlling all operations of the fingerprint and / or finger vein recognizer 210, a fingerprint scanner 210 for acquiring the fingerprint and / A memory 216 that stores fingerprints and / or fingerprint information obtained from the scanner 214, a fingerprint that is scanned from the scanner 214, and / or fingerprint information and / An LCD module 218 for displaying a processing procedure of the MAC recognizer 210 and an interface module 220 for providing the fingerprint and / or fingerprint information, which is connected to the smartphone 200 and acquired from the scanner 214, (220).

When fingerprint and / or finger vein information is acquired from the scanner 214, the fingerprint and / or vein recognizer 210 may include a temperature sensor 222 for sensing the temperature of the finger and a blood flow recognition sensor (224). For example, the temperature sensor 222 and the blood flow recognition sensor 224 may use a fingerprint and / or a fingerprint image to complement and solve a problem that can scan the fingerprint and / The MAC recognizer 210 recognizes the temperature of the finger and the flow of the blood flow along with the fingerprint and / or finger vein information obtained from the scanner 214, and if the finger recognizes that there is no abnormality, the fingerprint obtained from the scanner 214 and / And processes the fingerprint information to be provided to the smartphone 200.

The configuration of the fingerprint and / or finger vein recognizer 210 is substantially similar to or the same as the fingerprint of the merchant client 400 and / or the vein recognizer 410. Therefore, the detailed description of the fingerprint and / or the finger vein recognizer 410 of the merchant client 400 will be omitted.

3, the fingerprint and / or fingerprint settlement service server 100 according to this embodiment includes a controller 102, a communication unit 104, and a fingerprint and / or fingerprint payment app 110 A storage unit (not shown), and a database 120. Also, the fingerprint and / or fingerprint settlement service server 100 includes components of a typical computer system, for example, a central processing unit, a memory device, an input / output device, and a storage device,

The communication unit 104 is connected to the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 via the communication network 10, .

The control unit 102 controls and processes all operations of the fingerprint and / or fingerprint settlement service server 100. The control unit 102 may include software such as an operating system program, a control program, etc., as well as hardware such as a central processing unit, a memory or a web server,

The control unit 102 processes the member registration from each of the customer client 200 and the merchant client 400 using the fingerprint and / or the FPC application 110, / And the fingerprint information, and when the fingerprint and / or fingerprint information of the customer is transmitted from the merchant client 400, the fingerprint and / or fingerprint information of the registered customer is compared and analyzed to authenticate the customer Make sure that the payment is made. The controller 102 controls processes of the fingerprint or / and the FPC APP 110, and a detailed description thereof will be described with reference to FIG.

The fingerprint and / or FPC application 110 are stored in a storage unit (not shown) of the fingerprint and / or FMC service server 100, processed under the control of the control unit 102, And various information generated in accordance with the process is stored in the database 120. FIG. The fingerprint and / or fingerprint payment application 110 is provided in the form of a mobile application in this embodiment and is installed in the customer client 200. Of course, the fingerprint and / or fingerprint payment app 110 may be provided in the form of a web browser.

In this embodiment, the fingerprint and / or fingerprint payment app 110 includes a fingerprint and / or fingerprint registration module 112 for processing fingerprint and / or fingerprint information of the customer from the customer client 200, When the fingerprint and / or fingerprint information of the customer is transmitted from the client 400, the fingerprint and / or the fingerprint and / or the fingerprint, which compares the fingerprint and / or the fingerprint information of the registered customer with the registered customer, And a payment module 114.

Accordingly, the fingerprint and / or FPC application 110 receives the fingerprint and / or fingerprint information from the customer client 200 and registers the fingerprint and / or fingerprint information in the database 120, When the fingerprint information is transmitted, the fingerprint and / or fingerprint information of the customer registered in the database 120 is compared and analyzed, and the customer is authenticated and payment is made through the payment means matched with the fingerprint and / or the fingerprint information .

The database 120 stores various information according to the processing of the fingerprint and / or the FPC APP 110 under the control of the control unit 102. In this embodiment, the database 120 is provided inside the fingerprint and / or fingerprint settlement service server 100, but may be provided as a separate database server.

The database 120 of this embodiment stores customer information 122, fingerprint and / or fingerprint information 124, credit card matching information 126, payment information 128 and merchant information 130 .

The customer information 122 includes information such as a name, an authorized mobile phone number, and the like of the customer inputted when the customer client 200 activates the fingerprint and / or the FPC application 202 to register as a member Contacts, passwords, email addresses, and the like.

The customer information 122 may further include information on previously issued payment means, for example, a credit card, a debit card, a check card, and a transaction account.

Fingerprint and / or fingerprint information 124 are registered corresponding to the customer information 122. [ The fingerprint and / or fingerprint information 124 is obtained from the fingerprint of the customer client 200 and / or the finger vein recognizer 210 and is transmitted from the customer client 200 via the communication network 10 to the fingerprint and / And is provided to the settlement service server 100. Therefore, the fingerprint or / and the fingerprint information 124 registered in the fingerprint and / or the fingerprint settlement service server 100 may correspond to one payment means (for example, virtual payment means) Credit card, transaction account, etc.).

The credit card matching information 126 includes matching information for one payment means (e.g., a virtual payment means) and / or a payment means issued to the fingerprint of the customer or / and the fingerprint information 124 do. The payment information 128 is transmitted from the fingerprint of the merchant client 400 and / or the fingerprint and / or fingerprint information transmitted from the fingerprint recognizer 410 to fingerprint and / or fingerprint information 124 registered from the customer client 200 And if they match, it includes the settlement request and the approved contents, for example, settlement date, settlement amount, and settlement history in the merchant client 400. The merchant information 130 includes member information about the merchant registered in the fingerprint service and / or the FTC service server 100, for example, a merchant name, a contact address, and the like.

Therefore, the fingerprint and / or fingerprint settlement service server 100 of the present invention receives the fingerprint and / or fingerprint information 124 from the customer client 200 via the communication network 10 and registers the fingerprint and / or fingerprint information 124 in the database 120, When fingerprint and / or fingerprint information of the customer and payment request are received from the merchant client 400, the fingerprint and / or fingerprint information is compared with the registered fingerprint and / or the fingerprint information, The credit card company server 300 requests payment approval from the credit card company server 300. If the payment is approved by the credit card company server 300, the customer client 200 and the merchant client 400 inform the user that payment has been made.

And FIG. 4 is a flowchart showing the processing procedure of the electronic settlement system according to the present invention. This procedure is a program that is processed by the fingerprint and / or fingerprint settlement service server 100 according to the present invention, and the program is provided as a fingerprint and / or a fingerprint payment app, and the fingerprint and / (Not shown) of the client 100 and installed in the customer client 200. The fingerprint and / or the FPC application 110 are processed in association with the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 .

Referring to FIG. 4, the electronic payment system 2 of the present invention provides the fingerprint and / or fingerprint payment app 110 to the fingerprint and / or fingerprint settlement service server 100 at step S150. In step S152, the customer client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10, downloads the fingerprint and / or FPC application 110, and installs the fingerprint and / or FPC application 110 therein.

In step S154, the customer client 200 activates the installed fingerprint and / or fingerprint payment application 202 and acquires the fingerprint and / or fingerprint information of the customer through the fingerprint and / or fingerprint recognizer 210 , And provides the obtained fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10. In step S156, the fingerprint or / and the FMC service server 100 stores and registers the fingerprint and / or fingerprint information provided from the customer client 200 in the database 120. [ At this time, the fingerprint and / or fingerprint settlement service server 100 transmits the fingerprint and / or fingerprint information to the credit card company server 300 through the communication network 10.

In step S158, the credit card company server 300 matches the fingerprint and / or fingerprint information transmitted from the fingerprint and / or the fingerprint settlement service server 100 to the payment means of the customer registered in the credit card company server 300, Or a credit card, a debit card, a check card, a transaction account, etc. issued from the credit card company server 300 in correspondence with each other. Therefore, through the above-described steps S150 to S158, the customer client 200 is registered to enable electronic payment processing for the fingerprint and / or fingerprint information.

When a commercial transaction occurs in the merchant in step S160, the fingerprint and / or fingerprint information of the customer is recognized from the fingerprint of the merchant client 400 and / or the fingerprint recognizer 410. In step S162, And payment information to the fingerprint and / or fingerprint settlement service server 100 to request payment approval according to the commercial transaction.

In step S164, the fingerprint and / or fingerprint settlement service server 100 compares the fingerprint and / or fingerprint information transmitted from the merchant client 400 with the fingerprint and / or fingerprint information registered in the database 120 and analyzes Thereby determining the authentication status of the customer. If the two fingerprints or / and the fingerprint information are matched, the fingerprint and / or the fingerprint settlement service server 100 confirms payment to the credit card company server 300 so that payment is made to the corresponding payment means of the customer in step S166 And if the two fingerprints or / and the fingerprint information do not match as a result of the determination, the franchisee client 400 informs the approval rejection and reason for rejection.

If the credit card company server 300 approves payment through the payment means corresponding to the fingerprint requested and / or the fingerprint information in step S168, the fingerprint and / or fingerprint payment service server 100 and the fingerprint and / To indicate that the payment has been approved. In step S170, the fingerprint and / or FSA service server 100 transmits a payment approval result to the customer client 200. In step S172, the franchise client 400 confirms that the payment has been approved. Then, in step S174, (200) confirms that the payment has been approved.

Accordingly, the electronic payment system 2 using the fingerprint and / or fingerprint authentication of the present invention registers the fingerprint and / or fingerprint information of the customer in the fingerprint and / or fingerprint payment service server 100, Fingerprint and / or fingerprint information at the time of occurrence of a commercial transaction from the payment server 400, and processes the settlement through settlement means matched with the fingerprint and / or the fingerprint information of the customer.

In the following, it will be understood the technique capable of mounting a fingerprint and / or vein pattern on a card by understanding the device capable of simultaneously recognizing fingerprints and / or fingerprints developed by the present inventor.

FIG. 5 is a diagram showing an example of an external electronic configuration of the authentication device 1200 of the present invention, and FIG. 6 is a diagram showing an example of an external electronic configuration of the authentication device 1200 of the present invention, b).

In FIG. 6, reference numeral 1a denotes a fingerprint between finger segments or / and a finger vein, 1b denotes a node of a finger, and 1c denotes a fingerprint portion.

An integrated image capturing apparatus 1200 capable of capturing a fingerprint, a fingerprint, and / or a finger vein, wherein the object accommodating unit 1201 includes a scan panel upper case 1201a forming upper and lower finger seats, And a scan panel 1250 for simultaneously photographing fingerprints and / or fingerprints made of a transparent material such as glass or acrylic on the upper part of the upper case 1201a of the scan panel, The scan panel 1250 is formed with a fingerprint finger contact portion 1250a and a fingerprint finger and / or finger finger non-contact portion 1250b at their front and rear ends.

The finger pad of the scan panel 1250 and / or the finger-finger non-contact portion 1250b are formed on the edge of the groove side wall 1251 so that the finger can be formed as a groove, The finger grip portion 1252 is formed to be in balance with the fingerprint finger contact portion 1250a.

Further, by forming the temperature sensor 1275 for sensing the temperature of the flow of the finger in front of the fingerprint and / or finger vein finger non-contact portion 1250b against the fingerprint finger contact portion 1250a of the scan panel 1250, When the finger is landed, the temperature of the blood flow of the finger is sensed and the operation is enabled by the sensed temperature.

In addition, on one side, an infrared side surface case portion 1260 is formed in a length to accommodate the infrared side surface emitting portion 1260a so that the side surface can be photographed to more accurately capture the fingerprint and / or the vein.

The scan panel lower case 1201b is formed as a space capable of accommodating electrical components.

A finger resting rim 1253 on which a finger can be seated is formed.

Accordingly, in a first embodiment of the present invention, the user initiates a fingerprint and / or fingerprint authentication by placing a finger object on the scan panel 250, and when the fingerprint and / or fingerprint authentication by the device is initiated, The infrared light source unit 1240 and the line-of-sight light source unit 1242 irradiate infrared rays and visible rays toward the finger object.

Then, a plurality of image sensors photograph fingerprints, fingerprints and / or finger veins of the irradiated finger, respectively.

In the first embodiment of the present invention, the integrated image sensing apparatus 1200 has two image sensors 1220 and 1230 incorporated therein. The finger vein image sensor 1230 is installed in the object accommodating unit 1201 and captures the finger vein of the object from the bottom toward the scan panel 1250. [ At the same time, the fingerprint image sensor 1220 is installed in the same object accommodating portion 1201 to photograph the fingerprint of the object.

As a second embodiment of the present invention, the user places a finger object on the scan panel 1250 to start fingerprint authentication and / or fingerprint authentication, and when fingerprint authentication and / or fingerprint authentication by the device is initiated, (1240) 1241 and the line-of-sight light source 1242 irradiate infrared rays and visible rays toward the finger object.

Then, the image sensor captures fingerprints and finger veins of the irradiated finger, respectively.

In the second embodiment of the present invention, three image sensors 1220, 1230 and 1231 are incorporated in the integrated photographing authentication apparatus 1200. The finger vein image sensors 1230 and 1231 are built in the object accommodating unit 1201 and take a finger vein of the object from the lower side and the side surface toward the scan panel 1250. [ At the same time, the fingerprint image sensor 1220 is installed in the same object accommodating portion 1201 to photograph the fingerprint of the object.

In one preferred embodiment of the present invention, the finger vein image sensor 1231 and the finger fingerprint image sensor 1220 simultaneously capture finger vein fingerprint and finger fingerprint and use both finger vein information as biometric information, In order to measure, the error range can be reduced to the maximum number of squares per day.

In the preferred embodiment of the present invention, the finger vein image sensor 1231 and the finger fingerprint image sensor 1220 can take a finger vein fingerprint and a finger vein fingerprint at one time, The fingerprint and finger vein images can be simultaneously obtained by one finger at the same time by capturing from the side of 90 degrees, and the same error range reduction effect can be obtained. When shooting the side of your finger, roll your finger 90 degrees to the side of the scan panel with your fingers on the scan panel.

7 shows an example of an internal electronic configuration of fingerprint and / or venous imaging authentication device 1200 according to some preferred embodiments of the present invention.

The integrated imaging authentication apparatus 1200 of the present invention includes an infrared light source unit 1240, a finger vein image sensor 1230, a fingerprint image sensor 1220, a digital conversion unit 1290, a decryption algorithm unit 1260, A storage 1270 and a display portion 1280.

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

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

The line-of-sight light source unit 1242 irradiates visible light toward the object accommodating unit. And may be constituted by one or more LEDs by emitting ultraviolet light of a suitable wavelength for photographing the fingerprint of the finger surface.

In addition, in one embodiment of the present invention, one infrared light source unit 1240 and one line-of-sight light source unit 1242 may be provided for irradiating the infrared light and the visible light toward the object accommodating unit.

The infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object accommodating unit 1101 so that infrared rays and visible rays can reach the object evenly.

In a preferred embodiment of the present invention, the finger vein image sensor 1220 (1230) acquires a finger vein image for one finger object on the bottom and sides.

In another preferred embodiment of the present invention, finger vein image sensor 1230 obtains a finger vein surface and a side vein image for one finger object.

As shown in Figs. 6 (a) and 6 (b), the angle at which the infrared rays are respectively taken from the inner surface and the side of one finger.

When the side image is photographed according to the number of the finger image sensors 1220 and 1230, the fingers are rotated 90 degrees to the side as they are, So that it touches the scan panel. The order of photographing of the fingerprint face and the side face of the finger of the finger may be reversed.

Digital converter 1290 receives both the fingerprint image and / or the finger vein image and the finger fingerprint image to extract finger vein and finger fingerprint image. Digital converter 1250, the present invention obtains a finger vein fingerprint image and a fingerprint fingerprint image file.

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

The biometric information data store 1270 stores biometric information of a user stored in advance. In some embodiments of the present invention, the biometric information data store 1270 can be built in the authentication device 1200 internal memory.

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

The matching algorithm unit 1260 acquires the user data stored in the biometric information data storage 1270 and determines whether the user biometric information value acquired by the digital conversion unit 1290 matches the user biometric information value. If they match, the display unit 1280 can output a success message. If the decryption is unsuccessful, the authentication failure message may be output to the display unit 1280.

The control unit 1210 controls operations and functions of the authentication device 1200.

In particular fingerprint and / or finger vein image acquisition, processing, authentication operations and authentication results. Various software may be used in connection with the processing and calculation of the acquired fingerprint and / or finger vein image.

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

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

In the present invention, a method of authenticating using one finger is described, but the same mechanism can be applied to fingerprint and / or fingerprint of three fingers for stability of images and the like.

8 is a diagram showing an external electronic configuration example of the authentication device 200a as a second embodiment of the present invention.

5, in the fingerprint recognition unit according to the second embodiment, three image sensors 1220, 1230, and 1231 (not shown) are attached to the integrated imaging authentication apparatus 1200, A fingerprint recognition module 250aa is formed in place of the dual fingerprint image sensor 1220 to provide a method of determining a fingerprint by contacting a fingerprint.

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

As shown in FIG. 8, the present invention is an integrated photographic authentication device 200 capable of photographing a fingerprint and a finger vein. The object accommodating unit 201 includes a scan panel upper case 201a forming a finger- And a scan panel lower case 201b for receiving the full length of the scan panel upper case 201a. A scan panel 250 for photographing a fingerprint and a finger vein, which are made of a transparent material such as glass or acrylic, And the scan panel 250 is formed with the fingerprint finger contact portion 250a and the finger finger noncontact portion 250b at their front and rear ends.

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

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

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

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

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

Accordingly, in the first embodiment of the present invention, the user places the finger object on the scan panel 250 to start finger vein authentication, and when the finger vein authentication by the device is started, the infrared light source unit 240) 241 are selectively formed to irradiate the infrared rays toward the finger object.

Then, a plurality of image sensors capture fingerprints and finger veins of the irradiated fingers, respectively.

In the second embodiment of the present invention, the integrated image sensing apparatus 200a includes two image sensors 230 and 231 therein. The finger vein image sensor 230 is installed inside the object accommodating unit 201 and captures the finger vein of the object from the lower portion toward the scan panel 250.

When finger vein authentication using the side surface of the finger or the direction of the finger is changed by design and is set at an angle of 90 degrees, the image sensor 231 is placed inside the infrared side surface case 260 formed on the side of the object accommodating portion 201 And captures the finger vein of the object on the side toward the scan panel 250. [

The fingerprint recognition module 250aa formed on the fingerprint finger contact portion 250a of the scan panel 250 simultaneously provides a method of determining a fingerprint only by touching the fingerprint.

The size of the fingerprint recognition module 250aa is about 1 cm * 1 cm * 0.3 cm and the recognition rate is excellent even if it is attached anywhere.

As a second embodiment of the present invention, the user starts finger vein authentication by placing a finger object on the scan panel 250, and when the finger vein authentication by the device is started, the infrared ray source part 240 (241) Infrared rays are irradiated toward the object.

Then, the image sensor captures fingerprints and finger veins of the irradiated finger, respectively.

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

In one preferred embodiment of the present invention, the finger vein image sensor 230 and the fingerprint recognition module 250aa simultaneously capture finger vein fingerprint and finger fingerprint and use both fingerprint and biometric information, , It is possible to reduce the error range to a maximum of the number of squares.

In the preferred embodiment of the present invention, the finger vein image sensor 230 and the finger fingerprint image sensor 220 can take a finger vein fingerprint and a finger vein fingerprint at one time, Horizontal, or 90 degrees, the fingerprint and finger vein images can be simultaneously obtained by one finger, and the same error range reduction effect can be obtained.

FIG. 9 is a schematic perspective view of a fingerprint and finger vein authentication device of a smartphone according to an embodiment of the present invention, FIG. 10 is a perspective view of a fingerprint and finger vein authentication device of a smartphone according to an embodiment of the present invention, 11 is a schematic side cross-sectional view of a corner of a fingerprint and finger vein authentication device of a smartphone according to an embodiment of the present invention, and Fig. 10 is a cross- And the finger vein authentication device.

As shown in the figure, a smartphone is generally divided into a body upper part 2001 and a body lower part 2002 in a smartphone body 2000. The present invention is characterized in that a fingerprint and finger vein information And fingerprint authentication and finger vein authentication are performed here.

The authentication device 2100 for obtaining the fingerprint and finger vein information includes a space for authenticating the fingerprint and the finger vein at the bottom edge of the body side part 2400 of the smartphone, A substantial authentication device space 2500 into which the fingerprint and finger vein authentication device 2100 can enter can be formed at the corner in the form of a collimated light and a side groove frame 2200 is formed at the lower end of the side edge, The fingerprint recognition module 2310 is formed and the finger photographing groove 2410 is formed on the lower side to place the finger f in a noncontact manner so that the finger f can be recognized simultaneously.

In the finger photographing groove 2410, which is an empty space, a very thin finger-holding glass plate may be formed to prevent the entry of foreign dirt or the like.

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

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

The fingerprint recognition module 2310 uses a contact type recognition module, and a recognition portion 2320 for controlling the fingerprint recognition module 2310 is formed on the back side thereof.

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

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

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

Reference numerals 2410a and 2410b shown in the finger photographing groove 2410 represent first and second photographing region portions, which are virtual regions in which the image sensor 2510a and the image sensor 2510b can be photographed.

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

Accordingly, the inventor of the present invention has made an effort to freely design the smartphone itself by shortening the depth of the finger f and the distance Ha, in addition to the above-described embodiments.

That is, the short finger f and the distance Hb as the other design for shortening the distance Ha with the finger f of the above-described embodiment are formed, and the distance between the image sensor 2510a and the infrared ray emitting portion 2520a and 2520b of the smartphone are of course miniaturized so that the image sensor 2510b and the infrared ray transmitter 2520b are mounted so that the depth of the authentication device space 2500 to be applied is shortened, It is a way to create a way to prepare.

At this time, the image sensor 2510a, the infrared ray transmitter 2520a, another image sensor 2510b, and the infrared ray transmitter 2520b are also formed in the lower part of the structure of the image sensor, So that the fingertip can be photographed by irradiating the side surface of the finger f.

Further, as a result of structurally studying with reference to the first and second photographing area sections 2410a and 2410b indicated by the virtual area, since the image capturing part of the finger vein can be authenticated centered on the finger node, (Notion of miniaturization), or a first or third compartment (concept of miniaturization and security extensibility) or a second compartment (concept of miniaturization and security extensibility) so that only the user can know the finger vein portion of the finger, It is possible to designate the second partition or the third partition (concept of miniaturization and security extensibility) so that only the selected portion can be made as its own private finger portion.

The following describes another embodiment in which the fingerprint and finger vein authentication device of the smartphone can be designed.

FIG. 13 is a schematic side sectional view of a top edge of a fingerprint and finger vein authentication device of a smartphone according to an embodiment of the present invention, FIG. 14 is a cross- It is a rough perspective view of the lower front corner of the attached smartphone.

13, the smartphone is generally divided into a main body upper portion 3001 and a lower main body portion 3002 in a smartphone body 3000, and the present invention is applicable to a main body side portion 3400, An authentication device 3100 for acquiring fingerprint and finger vein information is formed at the right end of the fingerprint and finger vein authentication.

The authentication device 3100 for obtaining the fingerprint and finger vein information includes a space for authenticating the fingerprint and the finger vein at the right end corner of the body upper portion 3400 of the smartphone, It is possible to form a substantial authentication device space 3500 into which the fingerprint and fingertip authentication device 3100 can enter at the lower edge of the left side of the upper finger The fingerprint recognition module 3310 is formed on the right side and the finger imaging groove 3410 is formed on the right side to place the finger in a noncontact manner so that the finger can be recognized simultaneously.

In the finger photographing groove 3410, which is the empty space, a very thin finger-holding glass plate may be formed to prevent the entry of foreign dirt or the like.

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

In addition, the finger-holding glass plate can be manufactured so as to be formed at the front portion of the image sensor 3510a and the infrared ray emitting portion 3520a, which are close to each other, together with the infrared ray filtering film.

The fingerprint recognition module 3310 uses a contact type recognition module, and a recognition portion 3320 for controlling the fingerprint recognition module 3310 is formed on the back side thereof.

Then, a blank finger photographing groove 3410 is formed on the lower side thereof to form the finger f easily.

An image sensor 3510a and an infrared ray emitting portion 3520a are formed in parallel in the back authentication device subspace 3500 of the empty finger photographing groove 3410 and a recognition circuit 3530 for controlling the image sensor 3510a and the infrared ray emitting portion 3520a is formed When recognizing finger vein patterns, they are activated to transmit various control signals.

When the image sensor 3510a and the infrared ray emitting portion 3520a are designed to be free from damage or the like, the empty finger photographing groove 3410 should be communicated with the authentication device subspace 3500 in a non-contact manner according to the surrounding conditions .

14, a smartphone is generally divided into a main body upper part 4001 and a lower main body part 4002 in a smartphone body 4000. The present invention is applicable to a case where the main body side part 4400 And an authentication device unit 4100 for acquiring fingerprint and finger vein information is formed at the lower right side of the right front side, where fingerprint authentication and finger vein authentication are performed.

The authentication device 4100 for acquiring the fingerprint and finger vein information includes a space for authenticating the fingerprint and the finger vein from the lower right corner of the right front side of the body side part 4400 of the smartphone, A substantial authentication device space 4500 into which the fingerprint and finger vein authentication device part 4100 can enter from the bottom edge of the front edge 4400 to the front edge, A fingerprint recognition module 4310 is formed on the upper side thereof, and a finger photographing groove 4410 is formed on the lower side thereof to place the fingers in a non-contact manner so that they can be simultaneously recognized.

In the finger photographing groove 4410, which is an empty space, a very thin finger-supporting glass plate may be formed to prevent the entry of foreign dirt or the like, or the surface may be covered by using the front glass of the conventional smart phone.

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

In addition, the finger-holding glass sheet may be formed so as to be formed at the front portion of the image sensor 4510a and the infrared ray transmitting portion 4520a in close proximity to the infrared ray filtering film.

The fingerprint recognition module 4310 uses a contact-type recognition module, and a recognition portion 4320 for controlling the fingerprint recognition module 4310 is formed on a back surface thereof.

Then, a blank finger photographing groove 4410 is formed on the lower side thereof, and the finger is formed so as to be easily put on the finger.

An image sensor 4510a and an infrared ray transmitting portion 4520a are formed in parallel in the back authentication device subspace 4500 of the empty finger photographing groove 4410 and a recognition circuit front portion 4530 for controlling the image sensor 4510a and the infrared ray transmitting portion 4520a is formed When recognizing finger vein patterns, they are activated to transmit various control signals.

When the image sensor 4510a and the infrared ray emitting portion 4520a are designed to be free from damage, the empty finger photographing groove 4410 is formed to communicate with the authentication device space 4500 in a non-contact manner according to the surrounding conditions. .

The following describes the procedures for registering, authenticating and deleting fingerprints and fingerprints from the self-archiving recognizer or bank.

First, as shown in FIGS. 15 to 17, registration of the fingerprint and the fingerprint is performed by the fingerprint and fingerprint recognizer (S311).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

FIG. 18 is a flowchart illustrating the processing procedure of a financial transaction relay system having multiple security lock functions using fingerprint 1 authentication according to an embodiment of the present invention.

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

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

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

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

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

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

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

FIG. 19 is a flowchart illustrating a process of a financial transaction relay system having multiple security lock functions for simultaneously scanning a fingerprint 1 and a fingerprint 1 according to another embodiment of the present invention to process user authentication . In this embodiment, the fingerprint 1 information and the fingerprint 1 information are processed in the case where the user identification is difficult, and the fingerprint 1 information is subjected to the primary user authentication. If the fingerprint 1 information is difficult to identify in the primary, And carries out the user authentication using the designated MAC 1 information by car.

19, the financial transaction relay system 2 of the present invention transmits the fingerprint 1 and the fingerprint 1 simultaneously from the fingerprint 1 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 at step S180. And provides fingerprint 1 information and fingerprint 1 information to the financial transaction relay server 100.

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

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

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

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

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

The following describes a technique in which the present invention is applied to a hybrid web.

FIG. 20 is a block diagram illustrating a network configuration of an electronic payment system for providing a fingerprint and / or a fingerprint settlement service according to the hybrid web of the present invention, FIG. 18 is a block diagram illustrating a configuration of a customer client shown in FIG. And FIG. 19 is a flowchart showing the processing procedure of the electronic settlement system according to the hybrid web of the present invention.

20 is a block diagram illustrating a network configuration of an electronic payment system for providing fingerprint and / or fingerprint settlement services according to the present invention.

Referring to FIG. 20, the electronic payment system 2 using the fingerprint and / or finger vein recognition of the present invention recognizes fingerprints and / or fingerprints so as to perform electronic payment in place of credit card payment of customers, , And the settlement is made through fingerprint and / or finger vein authentication of the customer's identity at the time of electronic payment such as a credit card, a debit card, a check card, and a bank transfer which the customer has conventionally provided.

To this end, the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint and / or fingerprint settlement service server 100, a plurality of customer clients 200, a credit card company server 300, Merchants < / RTI >

The fingerprint and / or fingerprint settlement service server 100 registers a fingerprint and / or fingerprint information of the customer from the customer client 200 and prints a fingerprint or a fingerprint for authenticating the fingerprint and / And the FMC hybrid web 110 to process mutual electronic settlement between the customer client 200, the merchant client 400 and the credit card company server 300 through the communication network 10 .

The customer client 200 is provided as a portable mobile terminal such as a smart phone or a tablet computer and is provided with a fingerprint and / or finger vein recognizer 210). In this embodiment, the fingerprint and / or finger vein recognizer 210 is provided in a module form inside the customer client 200, but may be provided as an independent device detachable from the customer client 200. The customer client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10 to access the fingerprint and / or the FPCB 110.

Further, the customer client 200 activates the fingerprint and / or fingerprint payment application 202 (FIG. 12) to scan the fingerprint and / or fingerprint information thereof through the fingerprint and / or fingerprint recognizer 210, The fingerprint and / or fingerprint information scanned may be provided to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to provide a virtual payment means such as a virtual payment credit card, Virtual payment account, and so on. Of course, the fingerprint and / or fingerprint information of the customer client 200 registered in the fingerprint or / and the PDA server 100 may be used for authentication of the credit card, debit card, check card, And can be registered for verification.

The credit card company server 300 issues the virtual payment means corresponding to the fingerprint or / and the fingerprint information of the customer client 200, and determines whether or not the payment has been approved by using the fingerprint and / or the fingerprint information, The fingerprint settlement service server 100 provides the determination result. Of course, the credit card company server 300 may be provided with a fingerprint of the customer client 200 for authentication and identification of other payment means corresponding to the customer client 200, such as credit card, debit card, check card and transaction account information, and / Finger vein information can be used.

The merchant client 400 is equipped with a POS terminal, a personal computer (PC), or the like, which is provided in an affiliate store that sells a product or service through an on-off line. The merchant client 400 includes a fingerprint and / or finger vein recognizer 410 for recognizing fingerprint and / or fingerprint information of the customer. When the merchant client 400 purchases a product or a service from a customer of the customer client 200, the merchant client 400 transmits the fingerprint and / or fingerprint information of the customer through the fingerprint and / or the finger vein recognizer 410 And sends the scanned fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to request payment approval. The merchant client 400 confirms the settlement approval through the fingerprint and / or the fingerprint settlement service server 100 when the settlement for the settlement amount is approved from the credit card company server 300 (or another settlement system) .

Specifically, FIG. 21 is a block diagram showing the configuration of the client client shown in FIG.

Referring to FIG. 21, the customer client 200 of this embodiment is provided as a smart phone and connects to the fingerprint and / or FPCB hybrid web 202. The fingerprint and / or the FTC hybrid web 202 may be connected to the fingerprint and / or the FTC service server 100 through a communication network.

The smartphone 200 activates the fingerprint and / or fingerprint payment application 202 to register the fingerprint and / or fingerprint information of the customer himself / herself in the fingerprint and / or fingerprint payment service server 100. To this end, the smartphone 200 is attached with a fingerprint and / or finger vein recognizer 210. This may be accomplished by a fingerprint or / and fingerprint reader 210 in order to eliminate the economic burden of the customer purchasing the fingerprint and / or fingerprint recognizer 210 and to actively encourage the use of the fingerprint and / And the fingerprint and / or finger vein recognizer 210 at a service site, a franchise shop, or a credit card company of the fingerprint settlement service server 100 at a commerce site and register and use a fingerprint and / , And is provided in a detachable form mounted on the smartphone 200.

The fingerprint and / or finger vein recognizer 210 receives the finger vein information to authenticate the customer by recognizing the hemoglobin pattern of the vein by projecting near infrared rays or the like on the vein of a finger that is easy to use among the veins of the customer. That is, by using the fact that the vein of the finger absorbs near-infrared light and the portion other than the vein transmits near-infrared light, a near infrared ray is irradiated onto a finger and a finger having near infrared sensitivity, for example, The image of the vein can be extracted and used for personal authentication.

Specifically, the fingerprint and / or finger vein recognizer 210 may include a controller 212 for controlling all operations of the fingerprint and / or finger vein recognizer 210, a fingerprint scanner 210 for acquiring the fingerprint and / A memory 216 that stores fingerprints and / or fingerprint information obtained from the scanner 214, a fingerprint that is scanned from the scanner 214, and / or fingerprint information and / An LCD module 218 for displaying a processing procedure of the MAC recognizer 210 and an interface module 220 for providing the fingerprint and / or fingerprint information, which is connected to the smartphone 200 and acquired from the scanner 214, (220).

When fingerprint and / or finger vein information is acquired from the scanner 214, the fingerprint and / or vein recognizer 210 may include a temperature sensor 222 for sensing the temperature of the finger and a blood flow recognition sensor (224). For example, the temperature sensor 222 and the blood flow recognition sensor 224 may use a fingerprint and / or a fingerprint image to complement and solve a problem that can scan the fingerprint and / The MAC recognizer 210 recognizes the temperature of the finger and the flow of the blood flow along with the fingerprint and / or finger vein information obtained from the scanner 214, and if the finger recognizes that there is no abnormality, the fingerprint obtained from the scanner 214 and / And processes the fingerprint information to be provided to the smartphone 200.

The configuration of the fingerprint and / or finger vein recognizer 210 is substantially similar to or the same as the fingerprint of the merchant client 400 and / or the vein recognizer 410. Therefore, the detailed description of the fingerprint and / or the finger vein recognizer 410 of the merchant client 400 will be omitted.

22 is a flowchart showing the processing procedure of the electronic settlement system according to the present invention. This procedure is a program that is processed by the fingerprint and / or fingerprint settlement service server 100 according to the present invention, and the program is linked with the fingerprint and / or the fingerprint settlement hybrid web, and the fingerprint and / (Not shown) of the server 100, and is installed in the customer client 200. This Fingerprint and / or FingerPrint hybrid web 110 is a system in which the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 are linked and processed do.

Referring to FIG. 22, the electronic payment system 2 of the present invention provides the fingerprint and / or FPCB 110 to the fingerprint and / or FPCB 100 in step S150. In step S152, the customer client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10 and connects with the fingerprint and / or the FPCB 110. [

In step S154, the customer client 200 activates the installed fingerprint and / or the FPC hybrid web 202 and obtains the fingerprint and / or fingerprint information of the customer through the fingerprint and / or the finger vein recognizer 210 And provides the obtained fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10. In step S156, the fingerprint or / and the FMC service server 100 stores and registers the fingerprint and / or fingerprint information provided from the customer client 200 in the database 120. [ At this time, the fingerprint and / or fingerprint settlement service server 100 transmits the fingerprint and / or fingerprint information to the credit card company server 300 through the communication network 10.

In step S158, the credit card company server 300 matches the fingerprint and / or fingerprint information transmitted from the fingerprint and / or the fingerprint settlement service server 100 to the payment means of the customer registered in the credit card company server 300, Or a credit card, a debit card, a check card, a transaction account, etc. issued from the credit card company server 300 in correspondence with each other. Therefore, through the above-described steps S150 to S158, the customer client 200 is registered to enable electronic payment processing for the fingerprint and / or fingerprint information.

When a commercial transaction occurs in the merchant in step S160, the fingerprint and / or fingerprint information of the customer is recognized from the fingerprint of the merchant client 400 and / or the fingerprint recognizer 410. In step S162, And payment information to the fingerprint and / or fingerprint settlement service server 100 to request payment approval according to the commercial transaction.

In step S164, the fingerprint and / or fingerprint settlement service server 100 compares the fingerprint and / or fingerprint information transmitted from the merchant client 400 with the fingerprint and / or fingerprint information registered in the database 120 and analyzes Thereby determining the authentication status of the customer. If the two fingerprints or / and the fingerprint information are matched, the fingerprint and / or the fingerprint settlement service server 100 confirms payment to the credit card company server 300 so that payment is made to the corresponding payment means of the customer in step S166 And if the two fingerprints or / and the fingerprint information do not match as a result of the determination, the franchisee client 400 informs the approval rejection and reason for rejection.

If the credit card company server 300 approves payment through the payment means corresponding to the fingerprint requested and / or the fingerprint information in step S168, the fingerprint and / or fingerprint payment service server 100 and the fingerprint and / To indicate that the payment has been approved. In step S170, the fingerprint and / or FSA service server 100 transmits a payment approval result to the customer client 200. In step S172, the franchise client 400 confirms that the payment has been approved. Then, in step S174, (200) confirms that the payment has been approved.

Accordingly, the electronic payment system 2 using the fingerprint and / or fingerprint authentication of the present invention registers the fingerprint and / or fingerprint information of the customer in the fingerprint and / or fingerprint payment service server 100, Fingerprint and / or fingerprint information at the time of occurrence of a commercial transaction from the payment server 400, and processes the settlement through settlement means matched with the fingerprint and / or the fingerprint information of the customer.

This technology can be applied by developing the technology that can be miniaturized most to the mobile which we use the most, and the cost is also the same as that of the fingerprint reader, It is a condition.

Although the present invention has been described in connection with the preferred embodiments thereof with reference to the accompanying drawings, it is to be understood that the invention is not limited to the disclosed embodiments, Various changes and modifications can be made without departing from the scope of the present invention.

2: Electronic payment system
10: Network
100: fingerprint and / or fingerprint payment service server
110: fingerprint and / or fingerprinting app
200: Customer Client
210: fingerprint and / or fingerprint recognizer
300: Credit card company server
400: Merchant client
410: fingerprint and / or fingerprint recognizer
1200: Integrated shot authentication device
1201:
1201a: scan panel upper case
1201b: scan panel lower case
1220, 1230, 1231: image sensor
1240, 1241: Infrared light source part
1242; Visible light source
1250: scan panel
1250a: fingerprint fingerprint
1250b: finger vein non-contact part
1260a: Infrared side transmitter
1260: Infrared side transmitter case

Claims (8)

An electronic payment system using fingerprint and fingerprint recognition, comprising:
A communication network;
A customer client connected to the communication network, the customer client obtaining first fingerprint and fingerprint information of the customer;
A merchant client connected to the communication network and acquiring second fingerprint and fingerprint information for the customer of the customer client when a transaction occurs;
Receiving first fingerprint and fingerprint information from a client client through the communication network and registering the first fingerprint and fingerprint information in correspondence with a payment means, and when the first fingerprint and fingerprint information are transmitted from the client client, When the second fingerprint and the fingerprint information are transmitted from the merchant client, the first fingerprint and the fingerprint information are compared with the second fingerprint and the fingerprint information And a settlement service server for processing the settlement through the settlement means corresponding to the first, second fingerprint and fingerprint information newly transmitted from the customer client or the merchant client by authenticating the customer,
The authentication device unit 2100 for acquiring the first and second fingerprints and finger vein information includes an authentication device subspace 2100 to which the fingerprint and finger vein authentication device 2100 can enter at the lower edge of the smartphone body side part 2400, A fingerprint recognition module 2310 is formed on the upper side of the authentication device unit 2100 and a blank finger photographing groove 2410 is formed on the lower side of the authentication device unit 2100 so that the finger f is raised The authentication device sub-space 2500 is provided with an image sensor 2510a, an infrared ray transmitter 2520a, and a recognition circuit electric field control unit for controlling the image sensor 2510a and the infrared ray transmitter 2520a. Electronic payment system using fingerprint and fingerprint recognition built in smartphone edge
An electronic payment system using fingerprint and fingerprint recognition, comprising:
A communication network;
A customer client connected to the communication network, the customer client obtaining first fingerprint and fingerprint information of the customer;
A merchant client connected to the communication network and acquiring second fingerprint and fingerprint information for the customer of the customer client when a transaction occurs;
Receiving first fingerprint and fingerprint information from a client client through the communication network and registering the first fingerprint and fingerprint information in correspondence with a payment means, and when the first fingerprint and fingerprint information are transmitted from the client client, When the second fingerprint and the fingerprint information are transmitted from the merchant client, the first fingerprint and the fingerprint information are compared with the second fingerprint and the fingerprint information And a settlement service server for processing the settlement through the settlement means corresponding to the first and second fingerprints and the fingerprint information newly transmitted from the customer client or the merchant client by authenticating the customer,
The authentication device 3100 for acquiring the first and second fingerprints and finger vein information includes an authentication device unit 3100 in which the fingerprint and fingertip authentication device 3100 can be inserted into the right end corner of the smartphone body upper portion 3400, A fingerprint recognition module 3310 is formed on the left side of the authentication device unit 3100 and a blank finger photographing groove 3410 is formed on the right side of the authentication device unit 3100 to place a finger Wherein the authentication device subspace (3500) is provided with an image sensor (3510a), an infrared ray transmitter (3520a), and a recognition circuit electrical part for controlling the image sensor (3510a) Electronic payment system using fingerprints and fingerprint recognition
An electronic payment system using fingerprint and fingerprint recognition, comprising:
A communication network;
A customer client connected to the communication network, the customer client obtaining first fingerprint and fingerprint information of the customer;
A merchant client connected to the communication network and acquiring second fingerprint and fingerprint information for the customer of the customer client when a transaction occurs;
Receiving first fingerprint and fingerprint information from a client client through the communication network and registering the first fingerprint and fingerprint information in correspondence with a payment means, and when the first fingerprint and fingerprint information are transmitted from the client client, When the second fingerprint and the fingerprint information are transmitted from the merchant client, the first fingerprint and the fingerprint information are compared with the second fingerprint and the fingerprint information And a settlement service server for processing the settlement through the settlement means corresponding to the first and second fingerprints and the fingerprint information newly transmitted from the customer client or the merchant client by authenticating the customer,
The authentication device unit 4100 for acquiring the first and second fingerprints and finger vein information is configured to authenticate the fingerprint and fingertip authentication device 4100 in the front right corner of the lower right front side of the smartphone body side part 4400 A fingerprint recognition module 4310 is formed on the upper side of the authentication device part 4100 and a blank finger imaging groove 4410 is formed on the lower side of the authentication device part 4100, The authentication device sub-space 4500 is provided with an image sensor 4510a, an infrared ray transmitting portion 4520a, and a recognition circuit electrical portion for controlling the image sensor 4510a and the infrared ray transmitting portion 4520a. Electronic payment system using fingerprint and fingerprint recognition built in edge
4. The method according to any one of claims 1 to 3,
The electronic payment system includes:
Further comprising a credit card company server for accepting payment from the payment means if the payment means is a means corresponding to a credit card. Electronic payment system using Mac recognition
4. The method according to any one of claims 1 to 3,
Wherein the image sensor and the infrared ray transmitter are formed in a plurality of spaces in the authentication device space to reduce the distance of the authentication device space.
A method for processing an electronic payment system using fingerprints and fingerprint recognition, the method comprising:
Providing a hybrid web for fingerprint and fingerprint settlement to a fingerprint and fingerprint settlement service server of the electronic settlement system and connecting the fingerprint and fingerprint settlement service server to a customer client through a communication network;
Acquiring the first fingerprint and finger vein information of the customer through the authentication device which activates the hybrid web for fingerprint and fingerprint settlement in which the customer client is installed and acquires first fingerprint and fingerprint information of the customer client, Providing the obtained first fingerprint and fingerprint information to the fingerprint and fingerprint settlement service server through the communication network;
The fingerprint and fingerprint settlement service server stores and registers first fingerprint and fingerprint information provided from the client client in a database and transmits first fingerprint and fingerprint information to the credit card company server through the communication network;
Matching the first fingerprint and fingerprint information transmitted from the fingerprint and fingerprint settlement service server with the payment means of the registered customer, and registering the same;
The first fingerprint and the fingerprint information of the customer are recognized from the authentication device unit which acquires the first fingerprint and the fingerprint information of the customer client connected to the communication network and the first fingerprint and the fingerprint information, And an authentication device for acquiring a second fingerprint and finger vein information of a merchant client connected to the communication network, wherein the second fingerprint and the finger vein information of the merchant client are transmitted to the fingerprint and fingerprint settlement service server, The second fingerprint and the fingerprint information of the customer and transmits the second fingerprint and the fingerprint information and the settlement information according to the occurrence of the commerce to the fingerprint and fingerprint settlement service server to request payment approval;
Comparing the second fingerprint and fingerprint information transmitted from the merchant client with the first fingerprint and the fingerprint information registered in the database and determining the customer authentication by the fingerprint and fingerprint settlement service server;
If it is determined that the first fingerprint and the fingerprint information are identical to the first fingerprint and the fingerprint information newly transmitted from the client client or the merchant client, And request payment approval to the credit card company server so that settlement is made with the payment means of the customer matched with the MAC information,
The authentication device unit 2100 for acquiring the first and second fingerprints and finger vein information includes an authentication device subspace 2100 in which the fingerprint and finger vein authentication device 2100 can be inserted into the lower edge of the smartphone body side part 2400, A fingerprint recognition module 2310 is formed on the upper side of the authentication device unit 2100 and a blank finger imaging groove 2410 is formed on the lower side of the authentication device unit 2100 so that the finger f An image sensor 2510a, an infrared ray transmitter 2520a, and a recognition circuit electrical part for controlling the image sensor 2510a and the infrared sensor 2520a are formed in the authentication device sub-space 2500, Of electronic payment system using fingerprint and fingerprint recognition built in smartphone edge
The method according to claim 6,
The electronic payment system includes: When the settlement is approved through the payment means of the customer corresponding to the first fingerprint and the fingerprint information requested by the credit card company server, indicating that payment has been approved to the merchant client and the fingerprint and fingerprint settlement service server A method for processing an electronic payment system using fingerprint and fingerprint recognition built in a smartphone edge
8. The method according to claim 6 or 7,
A method of processing an electronic payment system using a fingerprint and fingerprint recognition built in a smartphone edge, characterized by downloading and processing an app instead of the web

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