KR101792021B1 - Electronic payment system using finger vein recognition and method for processing thereof - Google Patents

Abstract

The present invention relates to an electronic payment system using fingerprint and finger vein recognition, the electronic payment system comprising: a communications network; and a payment service server which receives the first fingerprint and finger vein information from a client through the communications network, matches the first fingerprint and finger vein information to a payment means, registers the fingerprint and finger vein information, compares the first fingerprint and finger vein information to the second fingerprint and finger vein information when the second fingerprint and finger vein information is transmitted from the member store client, processes authentication of the client, and performs processing to enable payment to be performed by the payment means corresponding to the first fingerprint and finger vein information. An authentication device unit (2100) which obtains fingerprint and finger vein information has an authentication device unit space (2500) which allows the fingerprint and authentication device unit (2100) to be inserted therein, is formed on a lower end corner of a smartphone main body lateral side unit (2400), and is in the shape with a narrow upper portion and a wide lower portion. A fingerprint recognition module (2310) is formed on an upper side of the main body lateral side unit (2400). A vacant space is formed on a lower side of the main body lateral side unit (2400) to allow a finger (f) to be placed thereon. The authentication device unit space (2500) comprises an image sensor ( 2510a), an infrared ray emission unit (2520a) which makes photographing the finger (f) possible and a recognition circuit mounting unit which controls the same. Provided is the electronic payment system using fingerprint and finger vein recognition, the electronic payment system embedded in 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 An image sensor 2510a, an infrared ray transmitter 2520a and a recognition circuit electrical part for controlling the image sensor 2510a and the recognition circuit 2510a are provided in the authentication device space 2500 so that the user can take a picture with his finger f. A fingerprint module U2 as an integrated module U1 for simultaneously authenticating a MAC and a finger vein module U3 and a conversion module U4. The GND line 1 of the fingerprint module U2 is connected to a negative voltage Circuit, RX line 2 is a serial data reception port, TX line 3 is a serial data transmission port, and VCC line 4 is a (+) voltage reference of the power supply circuit. And outputs the registered authentication code of the person as 232 communication when there is a person with the same fingerprint image as the image, and the GND line 1 of the finger vein module U3 is the reference of the negative voltage, The line is serial communication standard RS485 communication A port And the line B 3 is a serial communication standard RS485 communication port B, the line VCC 4 is the (+) voltage reference of the power supply circuit and the line GND 1 on the left side of the conversion module U 4 is the The line A 2 is a serial communication standard RS485 communication A port, the line B 3 is a serial communication standard RS485 communication port B, the line VCC 4 is a (+) voltage reference, The line DI5 on the right side of the interlocked conversion module U4 is a serial 232 communication receiving port, the line RE6 is a 485 communication control port, the line DE7 is a 485 communication control port, the line RO8 is a serial 232 The fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 are transmitted to the integration module U1 as a communication transmission port in cooperation with the integration module U1, When the fingerprint and the fingerprint authentication code match each other, A is an electronic payment system using fingerprints and finger vein recognition internal to the smart phone edge, characterized in that the output.

In addition, 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, An image sensor 3510a, an infrared ray transmitter 3520a, and a recognition circuit electrical part for controlling the image sensor 3510a and the fingerprint image sensor 3520 are provided in the authentication device subspace 3500, The fingerprint module U2 as the integration module U1 for authenticating the fingerprint module U2 and the finger vein module U3 and the conversion module U4, RX line 2 is the serial data reception port, TX line 3 is the serial data transmission port, and VCC line 4 is the (+) voltage reference of the power supply circuit. The GND line 1 of the finger vein module U3 is the reference of the negative voltage and the line A 2 is the serial number of the serial Communication standard RS485 communication A port , Line B 3 is a serial communication standard RS485 communication port B, line VCC 4 is a (+) voltage reference of the power supply circuit, and line GND 1 on the left side of the conversion module U 4 is a reference , Line A 2 is a serial communication standard RS485 communication A port, line B 3 is a serial communication standard RS485 communication B port, line VCC 4 is a (+) voltage reference, and interlocking with the finger vein module U 3 The line DI5 on the right side of the conversion module U4 is the serial 232 communication receiving port, the line RE6 is the 485 communication control port, the line DE7 is the 485 communication control port, the line RO8 is the serial 232 communication The fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 as a transmission port in cooperation with the integration module U1 When the fingerprint and the fingerprint authentication code match each other, the corresponding authentication code An electronic payment system using a built-in smart phones edge, characterized in that for outputting a fingerprint and a 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 An image sensor 4510a, an infrared ray transmitting unit 4520a, and a recognition circuit electrical part for controlling the image sensor 4510a and the fingerprint reading unit 4520a are provided in the authentication device sub-space 4500, The fingerprint module U2 as the integrated module U1 simultaneously authenticating the finger vein, the finger vein module U3 and the conversion module U4, and the GND line 1 of the fingerprint module U2 is (- Voltage line, RX line 2 is a serial data reception port, TX line 3 is a serial data transmission port, and VCC line 4 is a (+) voltage reference of the power supply circuit. And outputs the registered authentication code of the person as 232 communication when there is a person of the same fingerprint image as compared with the stored image. The GND line 1 of the finger vein module U3 is a reference of a negative voltage, and A 2 Line is a serial communication standard R The line B3 is a serial communication standard RS485 communication B port, the line VCC 4 is the (+) voltage reference of the power supply circuit, and the line GND 1 on the left side of the conversion module U4 is (- ), A 2 is a serial communication standard RS485 communication A port, B 3 line is a serial communication standard RS485 communication B port, VCC line 4 is a (+) voltage reference, The line DI5 on the right side of the conversion module U4 linked with the U3 module is a serial 232 communication receiving port, the line RE6 is a 485 communication control port, the line DE7 is a 485 communication control port, Line is a serial 232 communication transmission port and is interlocked with the integration module U1 so that the fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 are transmitted to the integration module U1, (U1), and when either the fingerprint or the finger vein authentication code coincides with each other, the US And outputting the corresponding authentication code to the smartphone. The electronic payment system using the fingerprint and finger vein recognition built in the smartphone edge.

The electronic settlement system may further include a credit card company server for accepting payment from the payment means when the customer is authenticated, when the payment means corresponds to a credit card. It is an electronic payment system using fingerprint and fingerprint recognition built in smartphone edge.

In addition, the present invention provides a processing method of an electronic payment system using fingerprint and fingerprint recognition, the method comprising: providing a fingerprint and a fingerprint payment hybrid web to a fingerprint and fingerprint settlement service server of the electronic payment system; 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 may be provided in 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 2100, and a fingerprint recognition module 2310 is formed on the upper side of the authentication device 2100, A fingerprint photographing groove 2410 is formed on the lower side so that the finger f can be put on the fingerprint photographing space 2500. The authentication device subspace 2500 includes an image sensor 2510a for photographing the finger f, The transmitting portion 2520a A fingerprint module U2 as an integrated module U1 for simultaneously authenticating a fingerprint and a finger vein; a finger vein module U3 and a conversion module U4; GND line 1 of the module U2 is a negative voltage circuit, RX line 2 is a serial data receiving port, TX line 3 is a serial data transmitting port, and VCC line 4 is a (+ When the fingerprint is scanned by the image sensor and compared with a previously stored image, if there is a person with the same fingerprint image, the registered fingerprint is output by the 232 communication, and the GND 1 A line 2 is a serial communication standard RS485 communication A port, B 3 line is a serial communication standard RS485 communication B port, and VCC line 4 is a (+) line of a power supply circuit. Voltage reference, and GND 1 on the left side of the conversion module U4 The line A is the reference of the negative voltage, the line A 2 is the serial communication standard RS485 communication A port, the line B 3 is the serial communication standard RS485 communication B port, the line VCC 4 is the (+) voltage reference, The line DI5 on the right side of the conversion module U4 linked with the finger vein module U3 is a serial 232 communication receiving port, the line RE6 is a 485 communication control port, the line DE7 is a 485 communication control port And the RO line 8 is a serial 232 communication transmission port which is interlocked with the integration module U1 so that the fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3, When the fingerprint and the fingerprint authentication code are identical to each other, the authentication code is output to the USB when the fingerprint and the fingerprint authentication code coincide with each other. It is a processing method of the payment system.

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.
23 is a block diagram illustrating an input / output integration module

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 scanned fingerprint and / or fingerprint information may be provided to the fingerprint and / or fingerprint settlement service server 100 via the two network 10 to provide a virtual payment means, such as a virtual payment credit card , A virtual payment account, and the like. 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 2 client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10, downloads the fingerprint and / or fingerprint payment application 110, and installs the fingerprint and / .

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.

Figure 9 is a graphical representation In the embodiment  The fingerprint of the smartphone and Finger vein Authentication device attachment  Approximately installed It's a perspective. , Figure 10 is a graphical representation In the embodiment  The fingerprint of the smartphone and Finger vein Authentication device attachment  Approximate of installed corners It is a perspective. , Figure 11 is a graphical representation In the embodiment  The fingerprint of the smartphone and Finger vein Authentication device attachment  Approximate of installed corners Side cross-sectional view , Figure 10 is a graphical representation In the embodiment  Of smart phones In plural  The fingerprint and finger vein authentication device It is a perspective. .

As shown in the figure, In the main body of smart phone (2000) The body top part 2001 and main body And a lower end 2002, The body side portion 2400  Fingerprint and Finger vein  Acquiring information The authentication device unit 2100  Where the fingerprint and / Finger vein  It is an invention to be certified.

The fingerprint and / Finger vein  Acquiring information The authentication device unit 2100  Smartphone The body side portion 2400  In the bottom corner, For example,  Let's make room for authentication Form And The body side portion 2400  The fingerprint and / Finger vein  A substantial authentication device subspace 2500 into which the authentication device portion 2100 can enter In the form of Sangha  Forming, Side  Bottom outline The side groove rim 2200  Inside it is formed Fingerprint reader And a finger photographing groove 2410 is formed on the lower side to place the finger f in a non-contact manner, so that the finger f can be recognized simultaneously.

The empty space In the finger photographing groove 2410  A very thin finger-holding glass plate may be formed to prevent the entry of foreign matter or the like.

In this case  By utilizing the finger-holding glass plate, a visible ray When blocking To turn on Infrared filtering film  The image sensor can be operated.

Furthermore, the finger- Infrared filtering film and  The image sensor 2510a and The infrared ray transmitter 2520a  Close-up At the front  Can be formed.

The fingerprint recognition module 2310 uses a contact type recognition module, and controls the fingerprint recognition module 2310 The recognition circuit front portion 2320  .

which  And the empty finger photographing groove 2410 is formed on the lower side so that the finger f can be easily placed.

In the back authentication device subspace 2500 of the empty finger imaging groove 2410, an image sensor 2510a When the infrared ray emitting portion 2520a  Are formed side by side, Controlled The recognition circuit front portion 2530  Formed Finger vein  When the pattern is recognized, they are activated to transmit various control signals.

The empty finger photographing groove 2410 includes the image sensor 2510a, In the infrared ray emitting portion 2520a  If it is designed that there is no fear of breakage or the like, the authentication device subspace 2500 is connected to the authentication device subspace 2500 in a non- To be connected  .

Reference numerals 2410a and 2410b shown in the finger photographing groove 2410 denote first and second reference marks 2410a and 2410b shown as virtual regions in which the image sensor 2510a and the image sensor 2510b can be photographed, 2 In the shooting area  Respectively.

Further, in the case of the image sensor 2510a, For example,  Wide range of recognition Recognize  In this case, if the finger (f) and the distance Ha are extended, For example,  If the distance is short, a narrow range of Finger vein  It is possible to recognize only the pattern, Inner battle  It should be designed and designed considering the relationship with size.

Therefore, Example  In addition, the depth of the finger (f) and the distance (Ha) are shortened, and the design of the smartphone itself can be freely designed.

That is, Example  As a different design to shorten the finger f and the distance Ha, the short finger f and the distance f Hb The image sensor 2510a and the infrared ray transmitter 2520a applied to the image sensor 2510a and the infrared sensor 2520a may be miniaturized so that the image sensor 2510a and the infrared ray transmitter 2520a may be miniaturized, The infrared ray transmitter 2520b  The depth of the authentication device subspace 2500 to be applied is shortened Suma Maple Battleground  It has created a way to create a framework that can be freely designed.

At this time , The image sensor 2510a Infrared transmitter The image sensor 2520a and another image sensor 2510b The infrared ray transmitter 2520b Also in structure  Wherein the image sensor is formed at a lower portion, Infrared outbound  Non-bottom On the side  And the side surface of the finger f is irradiated Finger vein  So that the pattern can be photographed.

In addition, the first, 2 photographing area (2410a) 2410b)  As a result, Finger  Since the photographing portion can be authenticated mainly around the finger joints, it is possible to manufacture a recognizer that is fused to the miniature camera, vein  The first compartment or the second compartment Compartment (concept of miniaturization), or  The first compartment or the third compartment (miniaturization and security scalability Concept), or  The second segment or the third segment (concept of miniaturization and security scalability) Finger vein As shown in Fig.

Here's fingerprints and specifying the smartphone Mac Another embodiment in which the authentication device can be designed will be described.

13 is a graphical representation In the embodiment  The fingerprint of the smartphone and Finger vein Authentication device Approximately the top corner Side cross-sectional view , Figure 14 is a graph In the embodiment  The fingerprint of the smartphone and Finger vein Authentication device attachment  About the bottom corner of the installed smartphone It is a perspective. .

Other As an embodiment , The above diagram  As can be seen in Figure 13, In the smart phone main body (3000) The body upper end portion 3001 The lower end portion 3002 of the main body  , And the present invention The upper side of the main body side portion 3400 On the right side  Fingerprint and Finger vein  Acquiring information The authentication device unit 3100  Where the fingerprint and / Finger vein  It is an invention to be certified.

The fingerprint and / Finger vein  Acquiring information The authentication device unit 3100  Smartphone The upper side of the main body side portion 3400 Right side  With fingerprints in the corner For example,  Forming a space for authentication, The body side portion 2400  The fingerprint and / Finger vein The authentication device unit 3100  Considerable The authentication device subspace (3500) In the form of a stunning glade  Forming, Top out The side groove rim 3200  A fingerprint recognition module 3310 is formed on the left side of the fingerprint recognition module 3310, The finger photographing groove 3410  And the finger is placed in a non-contact manner, so that the finger can be recognized simultaneously.

The empty space In the finger photographing groove 3410  A very thin finger-holding glass plate may be formed to prevent the entry of foreign matter or the like.

In this case  By utilizing the finger-holding glass plate, a visible ray Cut off Infrared filtering film  The image sensor can be operated.

Furthermore, the finger- Infrared filtering film and  Together with the image sensor 3510a The infrared ray emitting portion 3520a  Close-up At the front  Can be formed.

The fingerprint recognition module 3310 uses a contact type recognition module, Controlled The recognition circuit front portion 3320  .

which  Empty below The finger photographing groove 3410  So that the finger f can be easily placed.

Further, In the finger photographing groove 3410  Back In the authentication device subspace 3500  The image sensor 3510a and When the infrared ray emitting portion 3520a  Are formed side by side, Controlled The recognition circuit front portion 3530  Formed Finger vein  When the pattern is recognized, they are activated to transmit various control signals.

The bin The finger photographing groove 3410  The image sensor 3510a and In the infrared ray emitting portion 3520a  If it is designed to be free from damage, The authentication device subspace 3500 and  together To be connected  .

Other As an embodiment , The above diagram  As can be seen in Figure 14, In the smartphone main body (4000) The body upper end portion 4001 By the body lower end portion 4002  , And the present invention The body side portion 4400 At the bottom right of the front  Fingerprint and Finger vein  Acquiring information The authentication device unit 4100  Where the fingerprint and / Finger vein  It is an invention to be certified.

The fingerprint and / Finger vein  Acquiring information The authentication device unit 4100  Smartphone main body The side surface 4400 Right Front Bottom  Fingerprinting from the corner to the front For example,  Forming a space for authentication, The body side portion 4400  lower At the corner  The fingerprint and / Finger vein The authentication device unit 4100  Considerable The authentication device subspace (4500) In the form of Sangha  Forming, The side groove rim (4200)  A fingerprint recognition module 4310 is formed on the upper side thereof, The finger photographing groove 4410  And the finger is placed in a non-contact manner, so that the finger can be recognized simultaneously.

The empty space In the finger photographing groove 4410  A very thin finger-holding glass plate can be formed to prevent the entry of foreign matter or the like, and the surface of a conventional smart phone can be used to protect the surface By Kaba  Can be installed.

In this case  By utilizing the finger-holding glass plate, a visible ray Cut off Infrared filtering The image sensor can be activated by attaching the sensor.

Furthermore, the finger- Infrared filtering film and  The image sensor 4510a and The infrared ray transmitter 4520a  Close-up At the front  Can be formed.

The fingerprint recognition module 4310 uses a contact type recognition module, Controlled Recognition circuit front portion 4320  .

which  Empty below The finger photographing groove 4410  And is formed so that the fingers can be easily placed.

Further, In the finger photographing groove 4410  Back In the authentication device subspace 4500  The image sensor 4510a and The infrared ray emitting portion 4520a  Are formed side by side, Controlled The recognition circuit front portion 4530  Formed Finger vein  When the pattern is recognized, they are activated to transmit various control signals.

The bin The finger photographing groove 4410  The image sensor 4510a and In the infrared ray emitting portion 4520a  If it is designed to be free from damage, The authentication device subspace 4500 and  together To be connected  .

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.

The following describes the module implementing the above embodiment.

23 is a diagram showing an input / output integration module for linking fingerprint and fingerprint algorithm.

As shown in FIG. 23, the input / output integration module U1 for simultaneously linking fingerprint and fingerprint algorithm comprises a fingerprint module U2, a fingerprint module U3, and a conversion module U4.

First, the fingerprint module U2 will be described.

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

Here, 232 communication is a serial communication standard.

Next, the finger vein module U3 will be described.

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

Here, 485 communication is a serial communication standard.

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

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

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

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

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

The fingerprint and fingerprint algorithm of this case invention can be expressed as follows.

int getfingerauthorization (int fingerprintcode, int fingerveincode)

{

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

    {

return fingerprintcode;

    }

    return 0;

}

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

The following is a more detailed description.

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

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

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

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

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 (5)

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;
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 process the settlement through the payment means corresponding to the first fingerprint and the fingerprint information,
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 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 provided in the authentication device sub-space 2500,
A fingerprint module U2 as an integrated module U1 for simultaneously authenticating a fingerprint and a finger vein; a finger vein module U3 and a conversion module U4; the GND line 1 of the fingerprint module U2 is -) voltage circuit, RX line 2 is the serial data reception port, TX line 3 is the serial data transmission port, and VCC line 4 is the (+) voltage reference of the power supply circuit, And outputs the registered authentication code of the corresponding person to the 232 communication when there is a person of the same fingerprint image as compared with the previously stored image. The GND line 1 of the finger vein module U3 is a reference of the negative voltage, A line 2 is a serial communication standard RS485 communication A port, B 3 line is a serial communication standard RS485 communication B port, VCC line 4 is a (+) voltage reference of the power supply circuit, GND line 1 is the (-) voltage reference, and line A 2 is the serial The line B3 is a serial communication standard RS485 communication port and the line VCC is a voltage reference and the conversion module U4 linked with the finger vein module U3 The DI 5 line is a serial 232 communication reception port, the RE 6 line is a 485 communication control port, the DE 7 line is a 485 communication control port, the RO 8 line is a serial 232 communication transmission port, The fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 and the fingerprint and fingerprint authentication code And outputs the corresponding authentication code to the USB when the fingerprint and the fingerprint are coincident with each other.
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;
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 process the settlement through the payment means corresponding to the first fingerprint and the fingerprint information,
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 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 provided in the authentication device space 3500,
A fingerprint module U2 as an integrated module U1 for simultaneously authenticating a fingerprint and a finger vein; a finger vein module U3 and a conversion module U4; the GND line 1 of the fingerprint module U2 is -) voltage circuit, RX line 2 is the serial data reception port, TX line 3 is the serial data transmission port, and VCC line 4 is the (+) voltage reference of the power supply circuit, And outputs the registered authentication code of the corresponding person to the 232 communication when there is a person of the same fingerprint image as compared with the previously stored image. The GND line 1 of the finger vein module U3 is a reference of the negative voltage, A line 2 is a serial communication standard RS485 communication A port, B 3 line is a serial communication standard RS485 communication B port, VCC line 4 is a (+) voltage reference of the power supply circuit, GND line 1 is the (-) voltage reference, and line A 2 is the serial The line B3 is a serial communication standard RS485 communication port and the line VCC is a voltage reference and the conversion module U4 linked with the finger vein module U3 The DI 5 line is a serial 232 communication reception port, the RE 6 line is a 485 communication control port, the DE 7 line is a 485 communication control port, the RO 8 line is a serial 232 communication transmission port, The fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 and the fingerprint and fingerprint authentication code And outputs the corresponding authentication code to the USB when the fingerprint and the fingerprint are coincident with each other.
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;
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 process the settlement through the payment means corresponding to the first fingerprint and the fingerprint information,
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, An image sensor 4510a, an infrared ray transmitting unit 4520a, and a recognition circuit electrical part for controlling the image sensor 4510a and the infrared ray transmitting unit 4520a are provided in the authentication device sub-space 4500,
A fingerprint module U2 as an integrated module U1 for simultaneously authenticating a fingerprint and a finger vein; a finger vein module U3 and a conversion module U4; the GND line 1 of the fingerprint module U2 is -) voltage circuit, RX line 2 is the serial data reception port, TX line 3 is the serial data transmission port, and VCC line 4 is the (+) voltage reference of the power supply circuit, And outputs the registered authentication code of the corresponding person to the 232 communication when there is a person of the same fingerprint image as compared with the previously stored image. The GND line 1 of the finger vein module U3 is a reference of the negative voltage, A line 2 is a serial communication standard RS485 communication A port, B 3 line is a serial communication standard RS485 communication B port, VCC line 4 is a (+) voltage reference of the power supply circuit, GND line 1 is the (-) voltage reference, and line A 2 is the serial The line B3 is a serial communication standard RS485 communication port and the line VCC is a voltage reference and the conversion module U4 linked with the finger vein module U3 The DI 5 line is a serial 232 communication reception port, the RE 6 line is a 485 communication control port, the DE 7 line is a 485 communication control port, the RO 8 line is a serial 232 communication transmission port, The fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 and the fingerprint and fingerprint authentication code And outputs the corresponding authentication code to the USB when the fingerprint and the fingerprint are coincident with each other.
4. The method according to any one of claims 1 to 3,
Wherein the electronic payment system further comprises a credit card company server for accepting payment from the payment means if the payment means corresponds to a credit card and if the customer is authenticated, Electronic payment system using built-in fingerprint and fingerprint recognition
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 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 Requesting payment approval to the credit card company server,
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 ray transmitter 2520a are provided in the authentication device space 2500,
A fingerprint module U2 as an integrated module U1 for simultaneously authenticating a fingerprint and a finger vein; a finger vein module U3 and a conversion module U4; the GND line 1 of the fingerprint module U2 is -) voltage circuit, RX line 2 is the serial data reception port, TX line 3 is the serial data transmission port, and VCC line 4 is the (+) voltage reference of the power supply circuit, And outputs the registered authentication code of the corresponding person to the 232 communication when there is a person of the same fingerprint image as compared with the previously stored image. The GND line 1 of the finger vein module U3 is a reference of the negative voltage, A line 2 is a serial communication standard RS485 communication A port, B 3 line is a serial communication standard RS485 communication B port, VCC line 4 is a (+) voltage reference of the power supply circuit, GND line 1 is the (-) voltage reference, and line A 2 is the serial The line B3 is a serial communication standard RS485 communication port and the line VCC is a voltage reference and the conversion module U4 linked with the finger vein module U3 The DI 5 line is a serial 232 communication reception port, the RE 6 line is a 485 communication control port, the DE 7 line is a 485 communication control port, the RO 8 line is a serial 232 communication transmission port, The fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 and the fingerprint and fingerprint authentication code And the corresponding authentication code is output via USB when any one of the fingerprint and fingerprint recognition is coincident with each other.

Images