KR101830057B1 - System for relaying financial transaction with multiple safety function and method for processing thereof - Google Patents

Abstract

The present invention relates to a method for processing a financial transaction relay system comprising: an account transfer processing step (S1407a) of processing an account transfer according to predetermined sequence when an account balance is larger than a remittance amount; a smartphone guidance notifying step (S1407c) of confirming whether or not a transfer fact is correct by forcibly informing the transfer fact to a smartphone in the account transfer processing step (S1407a); a transfer fact authenticating step (S1407d) of authenticating the transfer fact to enable a person who receives notification in the smartphone guidance notifying step (S1407c) to respond to the notification within 10 seconds between yes or no; a transfer account and telephone number matching confirming step (S1407e) of authenticating the transfer fact in the transfer fact authenticating step (S1407d), and confirming whether or not the transfer account is matched with a telephone number of an owner of the account when a yes signal is transmitted; or a step (S1407f) of completing transfer and guiding the transfer completion only when the transfer account is matched with the telephone number of one who is to be transferred in the transfer account and telephone number matching confirming step (S1407e). The present invention can block computer hacking.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a system and method for processing financial transactions using a transfer account,

The present invention relates to a method of processing a financial transaction relay system using a transfer account and a transfer account matched with a telephone number. More particularly, the present invention relates to an online banking system that is linked to a telephone number using fingerprint identification, telephone number authentication, In addition to the transaction relay system, when the information is leaked, it notifies the user of the transfer when the transfer is made so that the transfer can be prevented even if the transfer is made on the bankbook of the bank, And a processing method of a financial transaction relay system by a transfer account matched with a telephone number.

The present invention relates to a new embodiment of a domestic patent registration No. 10-1543222 (name: financial transaction relay system linked to a telephone number and its processing method).

Recently, with the use of mobile phones, smart phones, and the rapid spread of wireless Internet, the proportion of banking and e-commerce processing using mobile devices is increasing.

Currently, mobile devices use chips issued by banks to perform financial transactions such as banking and e-commerce transactions in place of credit cards. To this end, the mobile device has a built-in chip, which is used for payment at a convenience store and a store where a dedicated terminal is installed. However, there is a limitation in the cost that can be settled, and payment can not be performed in a place without a dedicated terminal. In addition, there is a problem in that a chip built in a mobile device is difficult to immediately process payment at the time of account transfer or general commercial transaction.

Generally, an individual protects an individual's financial transactions in an electronic financial transaction with a bank by means of an official certificate and a password in order to prevent the personal injury that might occur due to leakage and the theft of personal information or a password. However, Since banks rely solely on security technology, banks are not able to prevent or protect the personal injury caused by personal mistakes.

Thus, the present inventor has made the same invention as in FIG.

Referring to FIG. 1 and FIG. 2, the financial transaction relay system 2 of the present invention relays bank transactions and electronic commerce transactions using an unauthorized access method using multiple security lock functions including fingerprint recognition.

To this end, the financial transaction relay system 2 of the present invention is registered as a member through the fingerprint recognition, the account password authentication and the telephone number authentication to the personal financial transaction relay server 100, and the customer terminal 200 and the online bank system 300 ) And the electronic commerce system 400, a fingerprint authentication process is performed so that an unauthenticated connection is established.

The financial transaction relay system 2 of the present invention includes the communication networks 4 and 6, the customer terminal 200, the online bank system 300, the electronic commerce system 400 and the personal finance transaction relay server 100 .

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

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

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

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

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

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

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

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

The control unit 102 controls and processes all operations of the personal financial transaction relay server 100. The control unit 102 may include, for example, hardware such as a central processing unit, a memory or a web server, as well as software such as an operating system program, a control program, and the like. The control unit 102 receives the fingerprint information from the customer terminal 200 when the customer terminal 200 performs financial transactions and electronic commerce with the online banking system 300 and the electronic commerce system 400, And multiple security lock module 110 so that an unauthenticated connection is made to the electronic commerce system 400.

The communication unit 104 connects the customer terminal 200 to the online banking system 300 and the electronic commerce system 400 through the communication networks 4 and 6 and transmits the electronic transaction information to the customer terminal 200 200) and the personal financial transaction relay server (100).

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

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

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

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

And FIG. 3 is a flowchart illustrating a procedure for relaying an unauthorized financial transaction using the multiple security lock function of the financial transaction relay system according to the present invention. This procedure is a program processed by the personal financial transaction relay server 100, and the program is stored in a storage device (not shown) of the financial transaction relay server 100. Such a program is used in the case where financial transaction and electronic commerce are performed through the unauthenticated connection between the customer terminal 200, the online banking system 300, the electronic commerce system 400 and the personal finance transaction relay server 100 through the communication networks 4 and 6 So that they are interrelated and processed.

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

The customer terminal 200 acquires the fingerprint information through the fingerprint recognizer 210 and transmits the fingerprint information to the personal financial transaction relay server 100 through the communication network 4 in step S154, ) Registers the fingerprint information in correspondence with the customer terminal 200. At this time, the personal financial transaction relay server 100 stores the fingerprint information 124 in the database 120.

In step S156, the personal financial transaction relay server 100 authenticates the customer terminal 200 using the telephone number. In step S158, the personal financial transaction relay server 100 registers the password for the passbook account number of the customer terminal 200. [ The registered account password is stored in the financial information 126 of the database 120.

In step S160, the personal financial transaction relay server 100 registers the customer terminal 200 as a member by matching fingerprint authentication, telephone number authentication, and account password registration.

When the customer terminal 200 processes the authentication procedure to perform the online bank transaction and the electronic commerce in step S162, the personal finance transaction relay server 100 receives the fingerprint information from the customer terminal 200 in step S164, And processes the authentication.

If the fingerprint information input in step S166 matches the fingerprint information 124 stored in the database 120 in step S166, the personal financial transaction relay server 100 in step S168 transmits the fingerprint information to the online banking system 300 or the electronic commerce system 400 without authentication. To relay financial transactions.

However, although the customer terminal 200 in the personal financial transaction relay server may be a portable computer such as a smart phone, a tablet computer, a notebook computer, or a personal computer, There has been a problem that it becomes a relay server which can be a target of hacking.

In addition, when a shared personal finance transaction relay server used by a plurality of people is constructed, if the data is stolen, not only a problem of personal information but also a burden to be borne by a business is serious. In particular, In order to secure the financial security of a personal financial transaction relay server having the same concept even when payment is made by a payment terminal to a payment terminal by a customer himself / herself Or the like), the biometric information stored at the time of payment of the biometric information in the offline-payment terminal is compared with the inputted biometric information, to be.

Furthermore, in the case of payment on a smartphone with a built-in credit card, it is also possible to specify a transaction account by linking a phone number held by a smart phone rather than simply using the information of the card itself, It is necessary to introduce secure payment method.

In addition, when a person who is not the person himself / herself is in the process of transferring from a bank account at the time of hacking, notification to the person and a confirmation procedure are required, and the transferred account can be transferred only to the account associated with the telephone number. There is a need to make it possible to trace.

Korean Patent Publication No. 10-2014-0124035 (published on Aug. 11, 2014) Korean Patent Laid-Open Publication No. 10-2012-0125816 (public date November 19, 2012) Korean Patent Laid-Open No. 10-2011-0114282 (published on October 19, 2011) Korean Patent Publication No. 10-2006-0087486 (published on August 02, 2006)

Accordingly, an object of the present invention is to provide a system and a method for preventing a transfer of a person's personal information from a bank account when the person's information is leaked, And to prevent the unauthorized transfer of the money.

The object of the present invention is to provide a method for preventing the theft by having a transfer amount limit determination step (S1407b) for determining whether or not the transfer amount limit set by the person in the account transfer execution step (S1407a) is exceeded .

The object of the present invention is to notify the criminal notification center when the person who received the notification in the smartphone guidance notifying step (S1407c) responds with a signal of No or does not respond after a predetermined time elapses, (S1407h), which allows the location of the user to be tracked, thereby further preventing the theft.

It is another object of the present invention to provide a financial transaction system and a method for processing the same, which establish a relay server in a computer mouse by recognizing that it is a personal device that can avoid hacking.

In addition, a financial transaction system that stores biometric information in a computer main body at the time of payment of biometric information by an off-line payment terminal, and can approve a financial transaction when the stored biometric information matches the biometric information input from the offline- And to provide a processing method.

Furthermore, in payment for a smartphone having a credit card, a transaction logbook is linked to a stored phone number to provide a simple and secure payment method according to fingerprint and / or fingerprint information.

Another object of the present invention is to provide a financial transaction system and a processing method thereof that are linked with a telephone number using fingerprint recognition to provide convenience of a customer.

It is still another object of the present invention to provide a financial transaction system and a processing method thereof that are linked with a telephone number using fingerprint identification, telephone number authentication, and account number authentication.

When the fingerprint and / or the fingerprint are authenticated at the time of electronic commerce or financial settlement using a mouse, fingerprints and / or fingerprints can be authenticated at a time difference, thereby resolving the vulnerability of the financial security by biometric authentication There is a purpose.

In addition, by setting a time lag in the authentication of the fingerprint and the fingerprint, the computer input data is prevented from being hacked by a computer which can safely protect it from the outside without separately encrypting the data.

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.

A method of processing a financial transaction relay system, the method comprising the steps of: connecting to an on-line banking system or an electronic commerce system with unauthorized authentication through the personal finance transaction relay server if the transmitted fingerprint information matches the fingerprint information registered in the personal banking transaction relay server (S1407a) a bank transfer execution step (S1407a) of executing a bank transfer in accordance with a specified procedure when a result of checking the account balance is larger than a remittance amount; A smartphone guidance notifying step (S1407c) of notifying the user of the transfer to the smartphone compulsively in the account transfer execution step (S1407a) to confirm whether the transfer is true; (S1407d) for authenticating a transfer fact in which the user who has received the notification in the smartphone guidance notifying step (S1407c) responds the fact to Yes and No within 10 seconds; In step S 1407 e, if it is determined that the transfer account has been authenticated, the transfer account and the telephone number matching check step (S1407e) for confirming whether the transfer account is matched with the master telephone number of the transfer account, ; In step S1407e, the transfer account and the telephone number matching step (S1407e) include a step S1407f for completing transfer and guidance only when the transfer account and the telephone number of the person to be transferred match; A completion step (S1407g) of finishing the transfer execution at the time of No signal in the transferring fact authentication step (S1407d) and the transfer account and telephone number matching confirmation step (S1407e) after completion of transfer and guidance (S1407f); The fingerprint scan module (U2), the fingerprint scan module (U1), and the fingerprint scan module (U2). The fingerprint scan module (U2) The fingerprint scanning module U2 scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image. If there is a person with the same fingerprint image, The finger vein module U3 transmits the registered authentication code to the 232 serial communication. After passing the finger through the infrared LED, the finger vein is scanned from the camera image sensor, and compared with the pre-stored finger vein image, The control module U4 outputs the registered authentication code of the corresponding person to the 485 serial communication. The conversion module U4 receives the 485 serial communication output from the fingerprint module, The fingerprint authentication code output from the fingerprint module U2 and the fingerprint authentication code output from the fingerprint module U3 may be transmitted to the integration module (U2) U1) to output a corresponding authentication code to the fingerprint and the finger vein authentication code via USB, or the fingerprint authentication code output from the fingerprint module (U2) and the fingerprint authentication code output from the fingerprint module (U3) The fingerprint authentication code is received by the integration module (U1), and when the fingerprint and the fingerprint authentication code coincide with each other, a corresponding authentication code can be output via USB. It is a method of processing financial transaction relay system by account.

[0060] In addition, the transfer amount limit determination step (S1407b) of determining whether or not the transfer amount limit set by the user in the account transfer execution step (S1407a) of the present invention is exceeded; And a method of processing a financial transaction relay system by using a transfer account matched with a telephone number.

If the person who has been notified in the smartphone guidance notifying step (S1407c) of the present invention responds to the fact with a signal of No or does not respond after a lapse of a predetermined time, the information is reported to the criminal reporting center, (S1407h) of reporting a criminal notification center which enables a user to trace a transaction to a financial transaction relay system using a transfer account matched with a telephone number.

In the present invention, the signal of Yes is composed of the fingerprint and / or the fingerprint stored in the smart phone, and the processing method of the financial transaction relay system using the transfer account matched with the telephone number to be.

In the present invention, the integration module U1 for authenticating the fingerprint and / or finger vein information comprises a fingerprint scanning module U2, a finger vein module U3 and a conversion module U4, The fingerprint scanning module U2 scans a fingerprint image from the image sensor and compares the fingerprint image with a previously stored image to output a registered authentication code of the person in the same fingerprint image to the 232 serial communication. ) Transmits the registered authentication code of the person through the 485 serial communication when the finger is transmitted through the infrared LED and the finger is scanned by the camera image sensor and compared with the pre-stored finger image, if there is a person with the same image, The module U4 receives the 485 serial communication output from the finger vein module and converts it into 232 serial communication such as the fingerprint module U2, A fingerprint authentication code output from the fingerprint module (U2) and a fingerprint authentication code output from the fingerprint module (U3) are received by the integration module (U1), and either the fingerprint or the fingerprint authentication code Or a fingerprint authentication code output from the fingerprint module U2 and a fingerprint authentication code output from the fingerprint module U3 may be received from the integration module U1, And when the codes are matched with each other, the corresponding authentication code can be output to the USB, the biometrics authentication method of the payment transaction terminal of the payment terminal.

The method includes extracting a first set of Minishur points from a first fingerprint image; Extracting a second set of Minishur points from the second fingerprint image; Calculating an orientation of a plurality of Minusher points selected from the first set of Minishur points based on the first fingerprint image; Adding simulated points generated based on the location and orientation of the minuscule points at the plurality of minuscule points to the first set of minuscule points; Registering the first and second Minneship point sets; And combining the first and second Minisher point sets into a fingerprint template; And the ICP algorithm is used to register the first Minishter point set and the second Minishur point set. The method according to claim 1, wherein the ICP algorithm is a method of processing a financial transaction relay system of a payment terminal by biometric authentication interlocked with a telephone number.

Therefore, an object of the present invention is to notify the user of the transfer when the transfer of the personal information is made so as to prevent the transfer of the personal information from the bankbook at the time of the leakage, and if the answer is not answered, It is effective to prevent the illegal transfer from being made.

In addition, the present invention has an effect of preventing the theft by having the transfer amount limit determination step (S1407b) for determining whether or not the transfer amount limit set by the user in the account transfer execution step (S1407a) is exceeded.

If the person who received the notification in the smartphone guidance notifying step (S1407c) responds with a signal of No or does not respond after a predetermined time, it is reported to the criminal reporting center so that the location can be tracked by a telephone number or the like (S1407h), thereby further preventing the theft.

In addition, the present invention recognizes that it is a personal device that can avoid hacking, and has the effect of being perfectly protected from hacking of fingerprint and finger vein storage by constructing a relay server in a computer mouse.

In addition, when a personal financial transaction relay server is constructed by selecting the user's designated computer, if the data of the user is stolen, the problem to be borne by the business operator is limited only to a single individual. In particular, (Personal or other persons) designated only by the customer himself or herself for the purpose of financial security, since the personal financial transaction relay server having the same concept as the above-mentioned concept is stored and operated individually at the time of settlement by the biometric information payment means. And the biometric information stored in the offline-payment terminal when the biometric information is stored in the offline-payment terminal is compared with the inputted biometric information, and when the same is matched, the payment is approved by the bank so that it can be the best measure for security It is effective.

Also, in payment on a smartphone with a built-in credit card, a transaction passbook can be specified by linking a phone number held by a smart phone, rather than simply using the information of the card itself, Security is a sure effect.

In addition, the financial transaction relay system of the present invention registers fingerprint information, a telephone number, and an account password of a customer terminal as a member, and when the customer terminal performs any one of online bank transaction and electronic commerce transaction, And can conduct financial transactions with the online banking system and the electronic commerce system by the unauthorized access.

In addition, the financial transaction relay system of the present invention can provide the security lock function according to the financial transaction by registering the fingerprint information, the telephone number and the account password of the customer terminal in one member registration, It can provide the economic convenience of new changes in financial transactions.

Further, the financial transaction relay system of the present invention is suitable for the ubiquitous era in which financial transaction can be used anytime and anywhere by merging with the IT technology since the online bank system and the electronic commerce system can be financially traded by the unauthorized access.

When a fingerprint or a fingerprint is authenticated at the time of electronic commerce or financial settlement, a mouse is normally held in a state in which a mouse is normally used, the fingerprint of the thumb is recognized in the first fingerprint recognizer, The fingerprint and / or finger vein of each fingerprint and / or finger vein can be authenticated by electronic fingerprinting or finger vein authentication, so that the fingerprint and / or the finger vein can be authenticated at the time of online electronic commerce or financial settlement, It will solve the weakness of financial security.

In addition, the authentication method with the two-step time lag is provided for biometric authentication in the case of working on a document on a computer, The present invention provides a computer hacking device capable of protecting a computer from hacking, which can safely protect the computer input data without separately encrypting the input data.

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.

1 is a block diagram illustrating a network configuration of a financial transaction relay system according to the present invention;
FIG. 2 is a block diagram showing a configuration of the personal financial transaction relay server shown in FIG. 1
FIG. 3 is a flow chart illustrating a procedure for relaying an unauthorized financial transaction using the multiple security lock function of the financial transaction relay system according to the present invention.
4 is a block diagram showing a functional configuration of a fingerprint recognition mouse according to the present invention.
FIG. 5 is a schematic perspective view of a fingerprint 1, a fingerprint 2,
6 is a view showing a payment settlement system using a terminal capable of fingerprint recognition according to the present invention
7 is a block diagram of a fingerprint / finger vein authentication procedure according to the present invention
FIG. 8 is a flow chart of the operation of the financial transaction relay system shown in FIG. 6
9 is a perspective view schematically showing the configuration of an embodiment of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention.
10 is a perspective view schematically showing a contact fingerprint and finger vein authentication device of an integrated payment device using the biometric authentication integrated terminal of the present invention.
11 is a perspective view schematically showing an optical fingerprint and finger vein authentication device of an integrated payment device using the biometric authentication integrated terminal of the present invention.
12 is a block diagram illustrating the financial transaction system of the present invention.
13 is a diagram showing an input / output integration module for linking fingerprint and fingerprint algorithm
14 is a schematic perspective view of a biometric authentication integrated terminal separated from the biometric authentication integrated terminal of the present invention
Fig. 15 is a flowchart showing an operation procedure of the biometric authentication integrated terminal of the present invention
FIG. 16 is a state diagram showing a state in which a face image of a person is simultaneously displayed in a clerk and a customer terminal during finger authentication before or after financial information is selected in the integrated terminal of the present invention
FIG. 17 is a flowchart showing an operation procedure in which a face image of a user is displayed during finger authentication before selecting financial information in the biometric authentication integrated terminal of the present invention
FIG. 18 is a flowchart illustrating an operation procedure in which a face image of a user is displayed at the time of finger authentication before or after financial information is selected in the biometric authentication integrated terminal of the present invention.
FIG. 19 is a system configuration diagram of a fingerprint / finger vein authentication processing procedure for the financial settlement method of the present invention
FIG. 20 is a flow chart (1) of a registration procedure of 'Allitape'
FIG. 21 is a flow chart (2) of a registration procedure of 'All-in-One'
22 is a flow chart (1) of a settlement procedure of 'Allitape'
FIG. 23 is a flow chart (2) of another transfer procedure among the transfer procedures of 'Allitape'
FIG. 24 is a state diagram of Minisch types according to any of the embodiments of the present invention applied to the present invention
25 is a diagram of calculation of the orientation relating to the branch according to any of the embodiments of the present invention applied to the present invention
26 is a diagram useful in understanding the ICP algorithm of the conventional invention applied to the present invention.

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

4 is a block diagram showing a functional configuration of a fingerprint recognition mouse according to the present invention.

4, the fingerprint authentication mouse M according to the present invention includes a fingerprint authentication processing module 112, a fingerprint / fingerprint authentication processing module 113, an account password authentication processing part 114, a telephone number authentication processing part 116, a mouse module 118, and a signal processing unit (multiple safety lock module) 110a.

1 and 2, the financial transaction relay system 2 of the present invention relays bank transactions and e-commerce transactions through an unauthorized access system using multiple security lock functions including fingerprint recognition .

To this end, the financial transaction relay system 2 of the present invention is registered as a member through the fingerprint recognition, the account password authentication and the telephone number authentication to the personal financial transaction relay server 100, and the customer terminal 200 and the online bank system 300 ) And the electronic commerce system 400, a fingerprint authentication process is performed so that an unauthenticated connection is established.

The financial transaction relay system 2 of the present invention includes the communication networks 4 and 6, the customer terminal 200, the online bank system 300, the electronic commerce system 400 and the personal finance transaction relay server 100 .

Accordingly, the charging system technology of the operating system as described above is performed in a financial relay system. First, the name, address, number, phone number, ID, and password are input at the time of opening a passbook, The transaction server registers the fingerprint by the fingerprint recognizer of the mouse and matches the telephone number and the password on the basis of the fingerprint information and transmits the mouse fingerprint information at the moment of payment in the financial transaction and the fingerprint information of the registered relay server The financial transaction is approved. It is then possible to transfer and buy goods to a bank account.

In addition, although the customer terminal 200 of the conventional invention is provided as a portable computer such as a smart phone, a tablet computer, a notebook computer, or a personal computer, and is connected to the personal financial transaction relay server 100 through the communication network 4, In the case of the present invention, an embodiment for storing fingerprint information of the authentication of the user in the computer mouse will be described, and this will be described with priority as a technical point.

When the fingerprint authentication processing module 112 requires the fingerprint authentication of the user, the fingerprint authentication processing module 112 receives the fingerprint image of the user through the fingerprint sensor 112a and then internally processes the data through the fingerprint sensor 112a.

The fingerprint / finger vein authentication processing module 113 receives a fingerprint image of the user through the fingerprint sensor 113a when the fingerprint / finger vein authentication of the user is required, .

The fingerprint / fingerprint authentication processing module 113 includes a fingerprint and / or fingerprint authentication processing module, and is structurally capable of simultaneously recognizing a fingerprint and a fingerprint formed on the upper portion of the mouse.

In addition, the account password authentication processing unit 114 may allow the password input at the time of opening the passbook to be matched with the fingerprint information, or may be operated only by the fingerprint information settlement.

In addition, the telephone number authentication processing unit 116 may allow the input telephone number to be matched with the fingerprint information at the time of opening the passbook, or may operate only by the settlement of the fingerprint information.

The mouse module 118 detects the position value input from the optical sensor or the mouse ball 118b and the number of button clicks inputted from the left / right click button 118a indicated by the left click button and the right click button, And the click signal such as the value is internally converted into data, and then transmitted to the communication port.

Data transmitted from the fingerprint authentication processing module 112, the fingerprint / fingerprint authentication processing module 113, the account password authentication processing section 114, the telephone number authentication processing section 116 and the mouse module 118, (Multiple safety lock module) 110a and then transmitted to the computer main body 6a via the mouse cable.

In this way, the signal processing unit (multiple security lock module) 110a of the personal financial transaction relay server 100 is configured such that the mouse M connected to the computer main body 6a of the customer terminal 200, The fingerprint authentication processing module 112 and the fingerprint / fingerprint authentication processing module 113. The fingerprint sensor 112a registers the member as a member through the fingerprint authentication processing module 112 and the fingerprint / finger vein authentication processing module 113 when performing a financial transaction with the online banking system 300 and the electronic commerce system 400, Fingerprint information is received from the fingerprint / finger sensor 113a and authentication processing is performed so that the financial transactions can be performed in the online banking system 300 and the electronic commerce system 400 in the case of financial transaction and electronic commerce, . The personal financial transaction relay server 100 establishes a personal portal site for personal financial transactions.

Since the fingerprint / fingerprint information is stored in the mouse, the fingerprint / fingerprint information is not transmitted unless the fingerprint / fingerprint information is used. Therefore, the fingerprint mouse connected by wire is never hacked.

The mouse M may be a fingerprint authentication processing module 112 or a fingerprint / fingerprint authentication processing module 113 and a mouse module 118 ), And the signals transmitted therefrom are switched in real time by a signal processing unit (multiple safety lock module) 110a and then transmitted to a compute main body via a mouse cable, and the transmitted fingerprint information is transmitted to the personal financial transaction And relaying the financial transaction by accessing the online banking system or the electronic commerce system without authentication through the personal financial transaction relay server when the fingerprint information registered in the relay server coincides with the fingerprint information registered in the relay server.

In the present invention, the signal processing unit (multiple security lock module) 110a includes any one of the account password authentication processing unit 114 or the telephone number authentication processing unit 116, Or registers the password for the account account number of the customer terminal in the database to the personal finance transaction relay server to register the telephone number or the account password in the fingerprint information of the customer terminal And registering the matching member as a member of the personal finance transaction relay server by matching any one of the plurality of financial transaction relay servers.

Since the above-described invention is based on the prior art, it is considered as an essential component of the present invention and is described in detail in the prior art, and a description thereof will be omitted here.

The following describes another embodiment of a mouse to which the present invention is applied.

5 is a schematic perspective view of a fingerprint 1, a fingerprint 2, and a finger authenticated with a finger vein applied to the present invention.

The embodiment of FIG. 5 conceptually shows the fingerprint and finger vein of the mouse M and the image acquisition mechanism of the fingerprint according to the embodiment of the present invention.

As shown in the figure, a scroll C, a right click C1 and a left click C2 are formed on a normal mouse M, and a fingerprint recognizer 1000 is formed on the lower left of the mouse M And a fingerprint and finger vein recognizer 2000 are formed between the upper right portion of the scroll C on the mouse M and the right click C1 and the left click C2.

The fingerprint reader 1000 on the lower left side of the mouse M has a quadrangular contact fingerprint authentication module device unit 1000a formed in the fingerprint recognition seating frame 1000b, A fingerprint authentication module 1001a and a finger vein authentication device 2000a are formed in a mouse and a camera 2000b and a plurality of infrared light sources 2000c are formed within a predetermined distance within the mouse M The finger vein authentication device 2000a captures a finger vein and confirms it.

In addition, an infrared light source 2000d for emitting infrared rays to the finger is formed on the side of the ring-shaped finger recognition seat frame 2000e formed in a round shape, and a fingertip pedestal 2000f capable of placing a finger tip is formed at the front end of the center portion .

Therefore, in the case of authenticating a fingerprint and / or a fingerprint at the time of e-commerce or financial settlement, a mouse is normally held in a state in which a mouse is normally used, the fingerprint of the thumb is recognized in the first fingerprint recognizer, The fingerprint of each fingerprint and / or the fingerprint is authenticated by raising the finger of the finger such as the finger or the finger.

By doing so, fingerprints and / or fingerprints can be authenticated at the time of online electronic commerce or financial settlement, so that the weakness of financial security by biometric authentication can be solved by combining two fingerprints and one fingerprint It will be possible.

In addition, the authentication method with the two-step time lag is provided for biometric authentication in the case of working on a document on a computer, And a computer hacking device capable of safely protecting the computer input data from outside without separately encrypting the input data.

In another embodiment of the present invention, the user is authenticated during payment using fingerprint recognition. To this end, in the present invention, a dedicated terminal having a scanning function for scanning a fingerprint and a fingerprint recognition function for recognizing the scanned fingerprint is used. The fingerprint recognized by the terminal can be compared with fingerprint data stored in a personal computer (e.g., a government agency) or a personal finance transaction stored in a personal computer with a game server, Card company) is authorized to pay for the transaction.

Such payment settlement can be used both offline and online. In case of offline, the fingerprint information assigned to the dedicated personal computer is inputted from the integrated terminal, and when the fingerprint information of the fingerprint information matches the payment signal, the payment signal is transmitted to the financial institution together with the transaction details to execute the transaction approval. In the case of online using an Internet site such as electronic commerce, fingerprint information is input to the mouse, and when the fingerprint information is matched, the settlement signal can be transmitted to the Internet site to execute the transaction approval.

Next, an embodiment will be described in which a server for storing fingerprint information is built in a computer main body, and fingerprint / fingerprint is settled by a biometric authentication integrated terminal offline.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

6 is a view showing a payment settlement system using a terminal capable of fingerprint recognition according to the present invention.

As shown in the figure, in the payment settlement system of the present invention, the offline shop 200a or the Internet site 22 providing various services is connected to the financial transaction relay system 2 via the network 46, Fingerprint / finger vein DB 120 associated with the personal finance transaction relay module 100 and the mouse M forming the multiple security lock module 110, the fingerprint / fingerprint authentication server 115, And authenticates the user based on the fingerprint data when the user purchases a product or uses the service through the offline shop 200a or the Internet site 22.

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

The fingerprint / fingerprint DB 120 of the present invention is a database managed by an individual, and fingerprint / fingerprint data of registered fingerprint / fingerprint data is stored to provide various information when fingerprint / fingerprint data is authenticated.

The biometric authentication integrated terminal 1000 of the user is a biometric identification terminal, and includes a scanning device for scanning a fingerprint and a recognition device for recognizing the scanned fingerprint, thereby scanning and recognizing the fingerprint of the user. The terminal 1000 is associated with the fingerprint authentication server 115 and is connected to the offline store 200a so that the recognized fingerprint data is transmitted to the fingerprint authentication server 115 to approve payment for the transaction.

7 is a block diagram of the fingerprint / finger vein authentication procedure of the present invention.

As shown in the figure, the fingerprint / finger vein authentication server 115 checks whether the fingerprint data of the user scanned and recognized by the terminal 1000 installed in the offline store 210a is identical or not at the same time And transmits the fingerprint data to the fingerprint DB or the fingerprint authentication server 240a by the fingerprint data acceptance unit 230a via the fingerprint data confirmation unit 220a so as to be stored according to the design characteristics thereof When the fingerprint authentication is performed in the fingerprint data acceptance unit 230a through the process described above, the fingerprint authentication unit 250b passes through the payment approval unit 250b for approving the requested payment amount, and finally, The settlement information is stored in the database 270b by the confirmation unit 260b or notified to the Internet site 280b (see step (2)).

8 is a flowchart illustrating the operation of the financial transaction relay system shown in FIG.

As shown in the figure, when the user visits the offline store 200a and uses the service (S201), the priority dedicated biometric authentication integrated terminal 1000 recognizes the scanned fingerprint after scanning the fingerprint of the user (S202 ).

Then, the recognized fingerprint data is input to the biometric authentication integrated terminal for payment settlement installed in the off-line store, and then transmitted to the personal financial transaction relay server 100 (S203).

The personal financial transaction relay server 100 compares the fingerprint data inputted through the payment terminal with the user's fingerprint data stored in the fingerprint DB to authenticate the user if the fingerprint data is identical (S204).

If they do not match, they are returned to fingerprint recognition again.

When the user is authenticated as described above, the user may select a settlement bank (passbook) or a card (S205).

If you do not choose to do so, please choose a payment bank or card again.

Thereafter, when the payment bank (passbook) or the card is selected, the payment amount is inputted (S206), and the fingerprint information is inputted again (S207).

If the fingerprint information matches the registered fingerprint information, the authentication processing is performed (S208), and the payment is approved for the requested amount (S209).

Then, it is confirmed whether payment is completed (S210), and the payment details are stored in the database and transmitted to the Internet site (S211).

A method of registering a fingerprint by the mouse M to the fingerprint / finger vein authentication server 115 of the personal financial transaction relay server 100 built in the computer main body 6a will be described below.

In the above embodiment, fingerprints are mainly used. In the future, however, techniques of fingerprints and / or fingerprints are simultaneously authenticated so that simplification is applied to portions requiring simplicity, Apply techniques that can be done.

9 is a perspective view schematically showing the configuration of an embodiment of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention.

As shown in the drawing, the terminal of the first embodiment of the present invention includes a magnetic card check unit 1102 on one side and an IC card check unit 1101 on the lower side, And the data input unit 1120 displays the payment amount on the LCD display unit 1130 for the clerk and starts the final settlement button after the power source unit 1110 is turned on.

An electronic component cover 1150 is formed as a payment system on the front surface of the biometric authentication integrated terminal 1000. A fingerprint and finger vein authentication processing unit 1180 is formed on one side of the electronic component authentication processing unit 1180, The card information authentication processing unit 1190 is formed with an authentication card tag unit 1191 and a smartphone tag unit 1192. The functions of the authentication card tag unit 1191 and the smartphone tag unit 1192 can be the same or integrated , It is designed for the purpose of conveying the meaning that an independent card can be used with two guide displays and the purpose of transmitting meaning that a card registered in a smart phone can be used.

An LCD display part 1199a for a customer is formed by a hinge (not shown) so that an angle can be adjusted according to a customer's position, and the LCD display part 1199a for a customer The payment amount of the customer and the indication of the audit are displayed, and the advertisement function is added to the operation.

An iris information authentication processing unit 1194 is formed at an upper end of the customer LCD display unit 1199a and is designed together with the iris information authentication processing unit 1194 to form a face information authentication processing unit 1196. [

An unexplained reference numeral 1182 denotes an infrared ray emitting unit which is further transmitted to the fingerprint and finger vein authentication processing unit 1180.

When the LCD display unit 1130 is not used normally or the settlement can be made only by the LCD display unit 1130 for a clerk, the customer LCD display unit 1199a is folded and used by using a hinge. In order to repair the internal computer equipment The electrical component cover 1150 can be opened around the hinge 1151.

Hereinafter, the fingerprint and finger vein authentication processing unit 1180, the iris authentication processing unit 1194, and the face information authentication processing unit 1196 will be described in detail.

First, the contact type fingerprint and finger vein authentication device will be described.

FIG. 10 is a perspective view schematically showing a contact type fingerprint and finger vein authentication device of an integrated payment device using the biometric authentication integrated terminal of the present invention, FIG. 11 is a schematic view showing the optical fingerprint and the fingerprint of the integrated payment device using the biometric authentication integrated terminal of the present invention, Fig. 2 is a perspective view schematically showing a finger vein authentication device. Fig.

As shown in the figure, the fingerprint and finger vein authentication processing unit 1180 formed in the biometric authentication integrated terminal 1000 includes a contact type fingerprint scanning module 2310 formed on the upper side and a finger imaging groove 2410 formed on the lower side And a branch point MAC authentication device unit 2100 is formed to perform fingerprint authentication and finger vein authentication.

The fingerprint scanning module 2310 uses a contact type recognition module, and on the back of the fingerprint scanning module 2310, a recognition circuit front part 2320 is formed.

The authentication device unit 2100 for acquiring the finger vein information is configured to authenticate the finger vein at the bottom edge of the main body side of the terminal. The inside of the terminal is connected to the contact fingerprint scanning module 2310, A fingerprint scanning module 2310 is formed on the upper side of the authentication device subspace 2500. The fingerprint scanning module 2310 is formed on the upper side of the authentication device subspace 2500, 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.

A very thin finger-holding glass plate may be formed in the finger photographing groove 2410 so as to prevent the entry of foreign dirt or the like.

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

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

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

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

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

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

Accordingly, the inventor of the present invention has made an idea that the design of the terminal itself can be freely designed by shortening the depth of the finger f and the distance Ha, in addition to the above embodiment.

Reference numeral 1105 denotes a support plate of the fingerprint and finger vein authentication processing unit.

The following is another embodiment of the fingerprint authentication processing unit in the fingerprint and finger vein authentication processing unit.

11, the fingerprint scanning module 2310 uses a contact type recognition module as a fingerprint authentication processing unit in the above-described embodiment, and on the back of the fingerprint scanning module 2310, The fingerprint scanning module 2310b uses an optical recognition module. The fingerprint scanning module 2310b is formed of an image sensor 2310a and an infrared ray emitting portion 2320a, The infrared ray is irradiated in the direction of the image, and an image of the image is photographed. On the rear surface of the recognition circuit 2320 is formed a control circuit for controlling the recognition circuit.

The following describes how to authenticate fingerprints and fingerprints.

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

FIG. 12 is a flowchart illustrating an inventive process of a financial transaction relay system interlocked with a telephone number using fingerprint and finger vein authentication according to an embodiment of the present invention, respectively.

Referring to FIG. 12, in the financial transaction relay system of the present invention, the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 at step S150 and joins the member at step S152. At this time, the customer terminal 200 inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

In step S154, the customer terminal 200 acquires the fingerprint information and the fingerprint information through the finger vein reader 210 and the fingerprint recognizer 220, and transmits the finger vein information and the fingerprint information to the financial transaction relay server The financial transaction relay server 100 registers fingerprint information and fingerprint information in response to the customer terminal 200. [

At this time, the financial transaction relay server 100 stores fingerprint information and fingerprint information in a database.

In step S156, the financial transaction relay server 100 firstly recognizes the fingerprint in order to perform the electronic financial transaction and the electronic commerce, and discriminates whether or not the fingerprint information stored in the database matches the fingerprint information stored in the database in step S158, Authentication.

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

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

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

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

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

13 is a diagram showing an input / output integration module for linking algorithms of fingerprints and fingerprints.

As shown in FIG. 13, the input / output integration module U1 for simultaneously linking fingerprint and fingerprint algorithm comprises a fingerprint scan module U2, a fingerprint module U3, and a conversion module U4.

First, the fingerprint scanning module U2 will be described.

The GND line 1 of the fingerprint scan 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 reception port to control the fingerprint module. Line is a serial data transmission port, and the VCC line 4 functions as a + 5V voltage input function based on the (+) voltage of the power supply circuit. The above- The fingerprint is scanned and compared with a previously stored image to output a registered authentication code of the person in the same fingerprint image to a 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. , And GND line 4 is the voltage reference of 0V as the voltage reference and D2 5 line is the serial 232 communication transmission line of the fingerprint scan module (U2). It sends the command to the fingerprint module and D3 Line 6 is a fingerprint scan 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 12 is a 485 communication control port of the 485-232 communication conversion module (U4). It controls the transmission / reception status of the 485 communication module. D10 13 To the 485 communication control port of the 485-232 communication conversion module (U4) , 485 communication module, and D11 line 14 is the serial 232 communication receiving port of 485-232 communication conversion module (U4), and it reads the status of the UPC module (U3) , 5V line 27 is the (+) voltage 5V output pin and supplies the 5V voltage of the fingerprint scan module (U2), finger module (U3), and 485 communication conversion module (U4) And the VIN line 30 is a (+) voltage reference, and functions as a voltage input of + 5V. The above configuration is the same as that of the fingerprint scanning module U2 (The unique number of the customer registered with the fingerprint) and the finger vein authentication code (the unique number of the customer registered with the low vein) output from the finger vein module U3 are converted into 232 communication from the conversion module U4 When the fingerprint and the fingerprint authentication code match each other after receiving from the integration module (U1), the corresponding authentication code is output to the USB We will.

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 scanning module U2 searches the fingerprint and outputs the code number of the corresponding person if there is a matching person.

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 scanning 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 two When the registered customer's unique number is matched, the fingerprint and finger vein integration module outputs the corresponding person's code.

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

FIG. 14 is a schematic perspective view of a biometric authentication integrated terminal separated from the biometric authentication integrated terminal of the present invention, and FIG. 15 is an operational process diagram of the biometric authentication integrated terminal of the present invention.

As shown in the drawing, the conventional biometric authentication integrated terminal 1000a separated from the conventional biometric authentication integrated terminal has a magnetic card check part 1102 formed on one side, and an IC card check part 1190b formed on the center front of the body And the payment amount is displayed on the LCD display unit by the data input unit connected from the conventional biometric authentication integrated terminal when the power source unit 1110a is turned on and the final payment button is pressed.

In order to design a payment system, an electronic component cover 1150 is formed on the front surface of the biometric authentication integrated terminal 1000a, and a fingerprint and / or finger vein authentication processing unit 1180 is formed on one side And a card information authentication processing unit 1190 is formed at a central portion of the card information authentication processing unit 1190. The card information authentication processing unit 1190 is formed with an authentication card tag unit and a smart phone tag unit so that a card or the like can be used for payment, It is possible to create one guide display unit.

A fingerprint authentication processing unit 1181 is formed on one side of the electrical component cover 1150, and is formed for a user who is authenticated and registered with only a simple fingerprint.

The fingerprint authentication processing unit 1181 may be installed independently.

An LCD display unit 1199a for a customer is formed by a hinge 1151a for adjusting the angle of the LCD display unit 1199a according to a customer's location. Payment amounts and auditing signs are displayed, and advertising functions are added to operate them.

An iris information authentication processing unit 1194 is formed at an upper end of the customer LCD display unit 1199a and is designed together with the iris information authentication processing unit 1194 to form a face information authentication processing unit 1196. [

In addition, a password input button 1120a is formed on the upper part of the electrical component cover 1150 in such a manner that a password input button 1120a can be used when requesting a password after fingerprint authentication, and a usage amount used by the user is confirmed And a password change input button 1120c is formed on the other side for use in password modification.

At the lower end of the password input button 1120a, a wireless electric charger 1190a capable of wirelessly charging electricity to the card is formed so that the card can supply power to the card when the card for fingerprint authentication is contacted.

A main body connection jack 1110b which can be connected to an integrated terminal of the main body is formed at the back of the biometric authentication integrated terminal 1000a.

An unexplained reference numeral 1182 denotes an infrared ray emitting unit which is further transmitted to the fingerprint and finger vein authentication processing unit 1180.

When the fingerprint and / or finger vein authentication processing unit 1180 and the user's fingerprint and / or the fingerprint information match the information stored in the fingerprint authentication processing unit 1181 or the fingerprint authentication unit 1180, The proof photograph 1810a is displayed on the customer LCD display unit 1199a or / and the PCF display unit 1130 for a point source, which is formed in the biometric authentication integrated terminal 1000. [

The conventional POS terminal 100 used here is provided with a printing paper storage lid 105 by a main body and a hinge connection part 106 with a cover of a printing paper storage part 107 storing a printing paper part 190 at an upper part, Respectively.

A magnetic card check unit 102 is formed on one side and an IC card check unit 101 is formed on the lower side. The payment amount is displayed on the LCD display unit 130 by the data input unit 120, Button is pressed and a signature is signed on the signature section (sign pad) 180, the fee is paid.

Also, in the settlement of this kind of POS terminal, the proof photograph 1810a is displayed on the LCD display unit 130

The operation procedure of the biometric authentication integrated terminal of the present invention will be described below.

FIG. 15 is a flowchart illustrating the processing procedure of a financial transaction relay system interlocked with a telephone number for simultaneously scanning a fingerprint and a face according to another embodiment of the present invention and processing the user authentication, respectively.

In this embodiment, the fingerprint information and the face information are processed in the case where the user identification is difficult, so that the primary user authentication is processed with the fingerprint information. If it is determined that there are two or more users in the primary, Enter your mobile phone number (or password) to process your user authentication.

First, as an initial step, the biometric authentication integrated terminal is turned on to access the entire system (S1211).

The financial transaction relay system of the present invention accesses the financial transaction relay server through the communication network in step S1211 and subscribes to the member in step S1212.

At this time, the customer terminal inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

Here, the member can register by using a smart phone or directly by a bank or credit card company (S1212).

Next, the registration of the face, iris, fingerprint, and finger vein is performed at the time of registering, and the registration request is made at the face and iris recognizer, fingerprint and / or fingerprint recognizer (S1213).

When the biometric information is acquired in the step and the biometric information acquired through the communication network is transmitted to the financial transaction relay server, the financial transaction relay server registers the information in correspondence with the customer terminal. At this time, the financial transaction relay server stores these biometric information in the database.

The fingerprint authentication processing unit 1180 and the fingerprint authentication processing unit 1181 select the iris information authentication processing unit 1194 and the face information authentication processing unit 1196, the fingerprint and finger vein authentication processing unit 1180, and the fingerprint authentication processing unit 1181 formed on the biometric authentication integrated terminal 1000a, (I.e., biometric information selected by the user) and scans the biometric information (S1214).

Then, the financial transaction relay server recognizes the selectively input biometric information when connecting the banking financial information (passbook, card) to perform electronic financial transaction and electronic commerce (S1215).

Here, it is determined whether or not the selected biometric information stored in the database matches with the biometric information, and a process of authenticating the user of the user terminal is performed.

First, it is determined whether or not the selected human body information and fingerprint information stored in the database are unique, that is, whether there are two or more identical fingerprint information (S1216).

As a result of the determination, if there are two or more pieces of the same fingerprint information, one of the mobile phone number and the password of the registered person is input (S1217). If the fingerprint information is unique and the two pieces of human body information match, (Passbook or card) (S1218).

In this case, if the probability of duplication of the fingerprint information is 1/1 billion, if you put only 4 digits of password here, the probability of duplication will be reduced. And for the server speed of these, it is stored and managed by bank, age, .

The financial information is displayed on the customer LCD display unit 1199a by separating the selection of the bank that can use the passbook and the card company that can use the card, and the fingerprint is displayed on the customer LCD display unit 1199a (S1219).

Thereafter, when the passbook or card is selected (S1219), a payment amount is input (S1220).

If the payment amount used by the customer is input, the facial information authentication processing unit 1196 that has been waiting for the face photographs the face (S1221), and determines whether or not they match (S1222).

If the two pieces of information match, it is possible to again input the telephone number (or password, biometric information) (S1223).

Then, it is determined whether or not these pieces of information match the telephone number (or password, biometric information) stored in the database (S1224).

Finally, if the two pieces of information match in the above step, withdrawals for ending the predetermined procedure are performed (S1225).

In this case, when the two pieces of information are not the same in each step, the connection is blocked (S1226).

As another embodiment of the present invention, a method for displaying a face image of a person in a finger authentication process before selecting financial information in a biometric authentication integrated terminal will be described.

FIG. 16 is a state diagram illustrating a state in which a face image of a user is simultaneously displayed in a clerk and a customer terminal during finger authentication before or after financial information is selected in the integrated terminal of the present invention. FIG. FIG. 18 is a diagram illustrating an operation procedure for displaying a face image of a user when a finger is authenticated before selecting financial information in the terminal. FIG. Fig.

In the first embodiment of the facial photograph exposing according to the present invention, since the fingerprint information and the face information are the same or similar to each other and the user identification is difficult, the primary user authentication is processed with the fingerprint information. If it is judged that the number is 2 or more, the user's mobile phone number (or password) is input to process the user authentication.

First, as an initial step, the biometric authentication integrated terminal is turned on to access the entire system (S1211).

The financial transaction relay system of the present invention accesses the financial transaction relay server through the communication network in step S1211 and subscribes to the member in step S1212.

At this time, the customer terminal inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

Here, the member can register by using a smart phone or directly by a bank or credit card company (S1212).

Next, the registration of the face, iris, fingerprint, and finger vein is performed at the time of registering, and the registration request is made at the face and iris recognizer, fingerprint and / or fingerprint recognizer (S1213).

When the biometric information is acquired in the step and the biometric information acquired through the communication network is transmitted to the financial transaction relay server, the financial transaction relay server registers the information in correspondence with the customer terminal. At this time, the financial transaction relay server stores these biometric information in the database.

The fingerprint authentication processing unit 1180 and the fingerprint authentication processing unit 1181 select the iris information authentication processing unit 1194 and the face information authentication processing unit 1196, the fingerprint and finger vein authentication processing unit 1180, and the fingerprint authentication processing unit 1181 formed on the biometric authentication integrated terminal 1000a, (I.e., biometric information selected by the user) and scans the biometric information (S1214).

Then, the financial transaction relay server recognizes the selectively input biometric information when connecting the banking financial information (passbook, card) to perform electronic financial transaction and electronic commerce (S1215).

Here, it is determined whether or not the selected biometric information stored in the database matches with the biometric information, and a process of authenticating the user of the user terminal is performed.

When the fingerprint and / or finger vein authentication processing unit 1180 quantitatively coincides with information stored in the fingerprint authentication processing unit 1181 or the fingerprint and / or fingerprint information of the user (S1215a), the biometric authentication integrated terminal 1000a (Step S1215b) on the LCD display unit 1199a for the customer formed or / and the PCD display unit 1130 for the point source, which is formed in the biometric authentication integrated terminal 1000.

If the fingerprint of the user and / or the information of the finger vein are not in agreement with the stored information, the connection is blocked (S1226).

Next, it is determined whether or not the selected human body information and fingerprint information stored in the database are unique (i.e., two or more identical fingerprint information) (S1216).

As a result of the determination, if there are two or more pieces of the same fingerprint information, one of the mobile phone number and the password of the registered person is input (S1217). If the fingerprint information is unique and the two pieces of human body information match, (Passbook or card) (S1218).

In this case, if the probability of duplication of the fingerprint information is 1/1 billion, if you put only 4 digits of password here, the probability of duplication will be reduced. And for the server speed of these, it is stored and managed by bank, age, .

The financial information is displayed on the customer LCD display unit 1199a by separating the selection of the bank that can use the passbook and the card company that can use the card, and the fingerprint is displayed on the customer LCD display unit 1199a (S1219).

Thereafter, when the passbook or card is selected (S1219), a payment amount is input (S1220).

If the payment amount used by the customer is input, the facial information authentication processing unit 1196 that has been waiting for the face photographs the face (S1221), and determines whether or not they match (S1222).

If the two pieces of information match, it is possible to again input the telephone number (or password, biometric information) (S1223).

Then, it is determined whether or not these pieces of information match the telephone number (or password, biometric information) stored in the database (S1224).

Finally, if the two pieces of information match in the above step, withdrawals for ending the predetermined procedure are performed (S1225).

In this case, when the two pieces of information are not the same in each step, the connection is blocked (S1226).

In the following description, it is assumed that fingerprint information and facial information are the same or similar to each other in the second embodiment of facial photographing of the present invention. In this case, the first user authentication is processed with fingerprint information, When it is determined that there are two or more users, the user's mobile phone number (or password) is input to process the user authentication.

First, as an initial step, the biometric authentication integrated terminal is turned on to access the entire system (S1211).

The financial transaction relay system of the present invention accesses the financial transaction relay server through the communication network in step S1211 and subscribes to the member in step S1212.

At this time, the customer terminal inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

Here, the member can register by using a smart phone or directly by a bank or credit card company (S1212).

Next, the registration of the face, iris, fingerprint, and finger vein is performed at the time of registering, and the registration request is made at the face and iris recognizer, fingerprint and / or fingerprint recognizer (S1213).

When the biometric information is acquired in the step and the biometric information acquired through the communication network is transmitted to the financial transaction relay server, the financial transaction relay server registers the information in correspondence with the customer terminal. At this time, the financial transaction relay server stores these biometric information in the database.

The fingerprint authentication processing unit 1180 and the fingerprint authentication processing unit 1181 select the iris information authentication processing unit 1194 and the face information authentication processing unit 1196, the fingerprint and finger vein authentication processing unit 1180, and the fingerprint authentication processing unit 1181 formed on the biometric authentication integrated terminal 1000a, (I.e., biometric information selected by the user) and scans the biometric information (S1214).

Then, the financial transaction relay server recognizes the selectively input biometric information when connecting the banking financial information (passbook, card) to perform electronic financial transaction and electronic commerce (S1215).

Here, it is determined whether or not the selected biometric information stored in the database matches with the biometric information, and a process of authenticating the user of the user terminal is performed.

When the fingerprint and / or finger vein authentication processing unit 1180 quantitatively coincides with information stored in the fingerprint authentication processing unit 1181 or the fingerprint and / or fingerprint information of the user (S1215a), the biometric authentication integrated terminal 1000a (Step S1215b) on the LCD display unit 1199a for the customer formed or / and the PCD display unit 1130 for the point source, which is formed in the biometric authentication integrated terminal 1000.

If the fingerprint of the user and / or the information of the finger vein are not in agreement with the stored information, the connection is blocked (S1226).

Next, it is determined whether or not the selected human body information and fingerprint information stored in the database are unique (i.e., two or more identical fingerprint information) (S1216).

As a result of the determination, if there are two or more pieces of the same fingerprint information, one of the mobile phone number and the password of the registered person is input (S1217). If the fingerprint information is unique and the two pieces of human body information match, (Passbook or card) (S1218).

In this case, if the probability of duplication of the fingerprint information is 1/1 billion, if you put only 4 digits of password here, the probability of duplication will be reduced. And for the server speed of these, it is stored and managed by bank, age, .

The financial information is displayed on the customer LCD display unit 1199a by separating the selection of the bank that can use the passbook and the card company that can use the card, and the fingerprint is displayed on the customer LCD display unit 1199a (S1219).

Thereafter, when the passbook or card is selected (S1219), a payment amount is input (S1220).

When the fingerprint and / or the fingerprint authentication processing unit 1180 quantitatively match the fingerprint and / or the fingerprint information stored in the fingerprint authentication processing unit 1181 (S1222), the biometric authentication integrated terminal 1000a (Step S1223), the proof photograph 1810a is displayed on the formed LCD display part 1199a for a customer or the PCD display part 1130 for a point source, which is formed in the biometric authentication integrated terminal 1000.

Finally, if the two pieces of information match in the above step, withdrawals for ending the predetermined procedure are performed (S1225).

In this case, when the two pieces of information are not the same in each step, the connection is blocked (S1226).

Next, a usage amount status table 3288 displayed on the LCD display unit 1199a for a customer in the biometric authentication integrated terminal 1000a, which is commonly applicable to the first and second embodiments, will be described.

A date 3288a, a user name 3288b, an approval (cancellation) number 3288c and an amount 3288d are displayed on the usage amount status table 3288, and the usage amount 3288e, the moon system 3288f, ).

When the use amount status table 3288 as described above is used, not only the transaction results of the stores can be grasped from time to time, but also when there is a correction amount or cancellation such as a transaction amount error of the clerk or the user, An authorization (cancel) number 3288c may be made available.

As described above, there are various kinds of biometric information such as a face, an iris, a voice, a fingerprint, a finger vein, etc. However, in the case where the fingerprint is recognized first and the face information is recognized later, The camera of the smartphone can take a picture of the face and prepare to authenticate the face information while selecting the payment passbook or card in the meantime so that the authentication of the person by the actual human body information becomes easier It is.

In addition, there is the face recognition function as well as the fingerprint recognition in the structure of the smart phone. By developing only the program which can operate it organically, the security by the fusion authentication is strengthened so that even if the passbook or the card is not carried, It has the effect of enabling financial transactions.

In this manner, by displaying the face image of the user at the time of finger authentication before or after the financial information is selected in the biometric authentication integrated terminal, it is possible that the user's finger is not authentic and the face of the user is fingerprinted or fingerprinted Therefore, it is possible to eliminate the psychological factors that remain unstable because the person himself or herself has not been informed of the payment.

Next, an embodiment in which the technical idea of the present invention is applied to a smart phone (hereinafter, used in combination with a mobile phone and a mobile phone) will be described.

FIG. 19 is a system configuration diagram of a fingerprint / finger vein authentication processing procedure for the financial settlement method of the present invention, FIG. 20 is a flowchart (1) of a registration procedure of 'Allitape' FIG. 22 is a flow chart of a registration procedure of the 'All-Hait Pay' of the present invention. FIG.

1 and 2, the financial transaction relay system 2 of the present invention relays bank transactions and e-commerce transactions through an unauthorized access system using multiple security lock functions including fingerprint recognition .

To this end, the financial transaction relay system 2 of the present invention is registered as a member through the fingerprint recognition, the account password authentication and the telephone number authentication to the personal financial transaction relay server 100, and the customer terminal 200 and the online bank system 300 ) And the electronic commerce system 400, a fingerprint authentication process is performed so that an unauthenticated connection is established.

The financial transaction relay system 2 of the present invention includes the communication networks 4 and 6, the customer terminal 200, the online bank system 300, the electronic commerce system 400 and the personal finance transaction relay server 100 .

Accordingly, the charging system technology of the operating system as described above is performed in the financial relay system, and the name, address, number, phone number, ID, and password are input at the time of opening the passbook. The relay transaction server registers a fingerprint (or a fingerprint or a fingerprint) by the embedded fingerprint reader, matches the phone number and the password based on the fingerprint information, If the phone fingerprint information matches the fingerprint information of the registered personal financial transaction relay server 100, the user can approve the financial transaction, and then transfer and purchase the goods to the bankbook.

In addition, although the customer terminal 200 of the conventional invention is provided as a portable computer such as a smart phone, a tablet computer, a notebook computer, or a personal computer, and is connected to the personal financial transaction relay server 100 through the communication network 4, In the case of the present invention, an embodiment for storing the fingerprint information of the self-authentication in the smartphone will be described, and this will be described with priority as a technical point.

19, in the payment payment system of the present invention, various systems are connected to the financial transaction relay system 2 through the network 46, and the network 46 is provided with multiple safety lock modules 110, When the user purchases a product or uses a service through the Internet net site 22 to which the personal financial transaction relay module 100 and the fingerprint DB 120 forming the fingerprint authentication server 115 are connected and uses the service, .

Reference numeral 7a in the drawing refers to a smartphone.

It should be noted here that the same assumption applies to web-driven applications in the same way as apps.

The multiple security lock module 110 is provided as middleware, for example, and has a personal authentication function of the customer terminal 200 and a firewall function for blocking hacking.

In this embodiment as well, the multiple safety lock module 110 basically receives the fingerprint information from the customer terminal and compares the fingerprint information with the previously registered fingerprint information in the database 120 as in the above embodiment An account password processing unit 114 for registering the account password of the customer terminal registered in the online banking system 300 and a telephone number authentication processing unit 116 for authenticating using the telephone number of the customer terminal are included can do.

In addition, the fingerprint DB 120 of the present invention is a database managed by an individual, and fingerprint data of a registered user is stored to provide various information upon authentication of the fingerprint data.

Here, the present invention is a newly developed financial settlement method, and relates to a financial settlement method named " Allitia PayPay " (hereinafter, " .

In the step of registering in the smartphone of the present invention, a step of downloading an application of all Haiti tower to the first step (a step of authenticating the person by connecting a telephone by consulting a telephone when using All Haiti tower to manage the call state); Registering the fingerprint information in a database embedded in the smartphone of the user in order to operate the smartphone to use the AllThief as the second step; In the third step, with the electronic signature, password, name, address, and mobile phone number entered through the mobile app installed in the smartphone of the user's name, fingerprint and / or fingerprint , And registering the authentication password (the telephone number is automatically registered).

The present invention relates to a method for payment of a card in an AllitiaTop app of a smartphone, which shows a state in which all the functions of the Allitiphay are already installed in the Allitia Tower, And a processing method of an electronic commerce relay system interlocked with a telephone number for which settlement is completed after a password is inputted into a card set as a representative card in the payment means, .

The present invention is a financial settlement method in an all-Haiti top app of a smartphone. In the case of joining All-Haiti, the corresponding menu is clicked on the All-Haiti top screen, and all of the images displayed on the screen are clicked. Of the account. After that, as in the image shown on the screen, the user selects the bank when remitting the account of another bank. As in the image displayed on the screen, the user inputs the bank account number, inputs the remittance amount, . Then, according to the signal of "authentication request" as shown in the screen, according to the command "Please authenticate using the fingerprint" and "Please input the password", I will use the fingerprint (password) And to a processing method of an electronic commerce relay system interlocked with a telephone number in which an electronic commercial transaction and a gold transaction are performed without an authentication.

The procedure for registering 'All-in-One', which implements the above technical idea, will be described below.

FIG. 20 is a flow chart (1) of a registration procedure of 'Allitape' of the present invention, and FIG. 21 is a flowchart (2) of a registration procedure of 'Allitape' of the present invention.

First, a step S1301 of turning on the smartphone and logging in the mobile 'All Haitian Top App';

Next, a screen requesting step (S1302) for requesting a screen of 'All-in-One';

At this time, the agreement agreement screen display step (S1303) in which the agreement agreement screen is displayed;

Then, in step S1304, a consent determination step of consenting to the agreement is made;

That is, the user agrees to agree to the terms and conditions regarding 'All-in-One Payments' described in S1304a-h as Terms of Use.

Also, a self-authentication screen display step (S1305) in which a self-authentication screen is displayed;

Then, a key part input step (S1306) for inputting the name of the principal (S1306a), the resident registration number (S1306b), and the mobile phone number (S1306c);

Hereinafter, an authentication step (S1307) for authenticating a fingerprint to a mobile phone for authenticating the user;

Then, when an ARS authentication step (S1309) for ARS authentication is performed in the user's mobile phone through the ARS authentication request step (S1308) requesting the ARS authentication of the user's mobile phone, a simple password generation Screen display step (S1310);

A payment card registration screen display step (S1311) of displaying a screen for registering the payment card next;

Then, a card registration step (S1313) in which the payment card is scanned and registered, or a card registration step (S1313) in which the contents of the payment card are directly inputted and registered;

(16 digits) (S1314a), validity period (MM / YY) (S1314b), CVC (three digits on the back side) (S1314c), card password (two front digits) as input in the card registration step (S1313) (S1314d) of inputting a card information (S1314d).

When the card is registered as described above, it transmits the "card number / validity period / CVC / card password" received from the customer to the card company, receives the customer's information and the customer's telephone number from the card company, A card information DB storing step (S1316) of storing the card information finally in the DB via the step S1315 of setting the card nickname after passing through the step S1312a of judging whether or not the card issuer is matched; (S1317).

However, if the information of the customer and the telephone number of the customer are received from the card company to judge whether or not the card information and the telephone number match with each other, if they do not match, a "mismatch" guidance is given (S1318).

The following describes the payment procedure for these registered 'All-in-One Payments'.

FIG. 22 is a flowchart of a settlement procedure of 'Allitape' of the present invention.

First, a step S 1401 of turning on the smartphone and logging in the mobile 'All Haiti Top App';

A screen requesting step (S1402) for requesting a screen of 'All-in-One';

When the screen of the "All-in-One Payee" is displayed, a step of selecting a transaction method (transfer, settlement, etc.) (S1403);

Click transferring step (S1404) so as to be remitted by the telephone number connection method in the remittance method;

The phone number here can be a bank account number previously registered in the All Haiti app, and it is a pre-formed form that can be used by matching the phone number and the account number of the bank that is searched on the smartphone. Clicking a telephone number to click on the desired telephone number (S1405);

At this time, it can be linked with the automatic transaction account by clicking the telephone number, or it can be linked with the designated transaction account when the shop ((#) button to be added is clicked after clicking the telephone number And a shop (#) button click step.

Also, a step (S1406) of confirming whether or not the transaction bankbook associated with the telephone number is a real name;

A balance checking step (S1407) for checking whether the connected bankbook has a balance;

A bank transfer execution step (S1407a) of executing the account transfer according to the designated procedure when the balance is confirmed as being larger than the remittance amount;

A transfer confirmation completion step (S1408) of inputting a settlement password (S1408a) and authenticating the fingerprint and / or finger vein information (S1408b) so that the transfer can be finally performed;

A payment information DB storing step (S 1409) for storing the payment information in the DB after the remittance confirmation is performed; and a remittance completion guiding step (S 1410) in which the remittance is completed to the customer via the payment information DB storing step (S 1411).

A balance charging step S1412 for selecting a matched bank when the remaining balance is insufficient in the balance checking step S1407 or filling a balance from the passbook by inputting a new account number; Of course, when the charging is completed, the completion of the charging can be notified (S1413).

As another remittance method, when the screen of the 'All-in-One Payee' is displayed, in the step of selecting the transaction method (transfer, payment, etc.) in step S 1403, Step S1414; can be selected.

The account number to be withdrawn here is the bank account whose charge has been completed in the above-described step S1412.

Therefore, after selecting the receiving bank (S1415a), inputting the account number (S1415b), and inputting the remittance amount (S1405c), the remittance history input step (S1415) (S1408a), and a step S 1408 of confirming the transfer of the fingerprint and / or the fingerprint information (S 1408 b); In step S1411, the settlement information DB is stored in the DB after the remittance confirmation is performed, and then the remittance is completed in step S1410.

In the step of providing fingerprint information, fingerprint data may be matched with fingerprint data, a fingerprint data may be matched with a phone number, fingerprint data may be provided with a matching account password, or a combination thereof may be provided .

Further, in order to construct a server related to fingerprint information, fingerprint information, telephone number, and passbook password in a smart phone, there is a burden on some additional programs, but if overcome, a more effective security effect can be obtained .

The payment method of the above-mentioned all-in-one payment method is a simple payment method using fingerprint and / or fingerprint information which is a typical example of biometric authentication, and has a security effect rather than a conventional numeric password or a cumbersome authentication method Can be seen as appearing.

Next, a flow chart of a settlement procedure applied when hacking or self-information leakage of 'Allitiphage' of the present invention will be described.

FIG. 23 is a flow chart of another transfer procedure among 'Allitape' transfer procedures according to the present invention continuing from FIG. 22. FIG.

FIG. 22 is a flow chart illustrating a settlement procedure of 'Allitape' according to the present invention, and another method is applied from the account transfer execution step shown in step S1407a.

A transaction processing method of a financial transaction relay system, comprising the steps of: accessing an online banking system or an electronic commerce system through an unauthorized person through the personal financial transaction relay server when the transmitted fingerprint information coincides with fingerprint information registered in a personal finance transaction relay server, (S1407a) a bank transfer execution step (S1407a) of executing a bank transfer in accordance with a specified procedure when a result of checking the account balance is larger than a remittance amount;

A step S 1407 b of determining a transfer amount amount limit for judging whether or not a transfer amount limit set by the person himself / herself is exceeded in the account transfer execution step S 1407 a;

If the transfer amount set by the user exceeds the limit in the transfer amount limit determination step (S1407b), the user's smartphone guidance notifying step (S1407c) for notifying the transfer of the transfer to the user's smartphone, ;

The person who received the notice in the smartphone guidance notifying step (S1407c) of the smartphone informs the fact of the transfer between 10 and 10 seconds by Yes and No (the time is adjusted by the designer) (S1407d);

In step S 1407 e, if it is determined that the transfer account has been authenticated, the transfer account and the telephone number matching check step (S1407e) for confirming whether the transfer account is matched with the master telephone number of the transfer account, ;

In step S1407e, the transfer account and the telephone number matching step (S1407e) include a step S1407f for completing transfer and guidance only when the transfer account and the telephone number of the person to be transferred match;

(S1407g).

The person who received the notification in the smartphone guidance notifying step (S1407c) of the smartphone informs the criminal reporting center in the case of responding to the fact with a signal of No and reports the criminal notification center (S1407h).

Of course, the money source that does not exceed the transfer amount limit may be automatically transferred, but at this time, the transfer account and telephone number matching confirmation step (S1407e) for confirming whether the transfer account is matched with the owner telephone number of the passbook The process of transferring proceeds.

In addition, if the set time of about 10 seconds has elapsed even though the transfer fact authentication step (S1407d) for authenticating the transfer condition has failed to confirm the response and it can not be answered, the same procedure as that of the No signal can be performed.

If the user who has received the notice in the smartphone guidance notifying step (S1407c) does not confirm the fact in response to Yes and No and confirms the fact in the transfer fact authentication step (S1407d) The non-response elapsed time determination step may be performed so that the requested transfer money can be transferred after a certain period of time has elapsed according to the delegation condition of the payment person of the workplace.

Of course, even at this time, the money source that does not exceed the transfer amount limit may be automatically transferred, but at this time, the transfer account and telephone number matching confirmation step (S1407e) for confirming whether the transfer account is matched with the owner telephone number of the passbook ), The transfer procedure proceeds.

The following describes the algorithm for the fingerprint applied to the present invention.

FIG. 24 is a state diagram of Minischer types according to any of the embodiments of the present invention applied to the present invention, FIG. 25 is a diagram of calculation of orientation relating to a branch according to any of the embodiments of the present invention applied to the present invention, 26 is a diagram useful for understanding the ICP algorithm of the conventional invention applied to the present invention.

As shown in FIG. 24, domestic publication 10-2011-0127270 shows ridge end portions and branches, which are basic types of mineworkers. The ridge end is the point at which the ridge ends. A branch is a point where a single ridge is divided into two ridges.

Other features may be counted as Minisher points. These include compound minor points: short ridges (also known as islands and dots), rake (also known as enclosures), facing branches, bridges, double branches, hooks (also known as spurs) Quot ;, and " branch " Henry C. Lee et al. Advances in Fingerprint Technology, 374, CRC Press (2d ed. 2001).

In one embodiment here, the basic types of Minusher points are extracted.

In yet another embodiment, other selected types of minuisher points are also extracted. Sets of minishia points can be determined by a computational or statistical evaluation of the preprocessed fingerprint image.

In one embodiment, computational or statistical methods are used to refine a set of Minishir points by selecting key Minishur points to be included in the set of Minishir points associated with the fingerprint image.

As shown in FIG. 25, the ridge line 802 is divided into the first ridge line 804 and the second ridge line 806 at the branch point 808. The first end point 810 is determined by tracing the first ridge 804 in a direction away from the branch point 808 for a first predetermined distance. The second end point 812 is determined by tracing the second ridge 806 in a direction away from the branch point 808 for a second predetermined distance.

In one embodiment of the prior invention applied to the present invention, a first predetermined distance and a second predetermined distance are measured in pixels on the preprocessed fingerprint image. For example, the first predetermined distance and the second predetermined distance may be 5 to 10 pixels.

The first predetermined distance may be the same as or different from the second predetermined distance. The first line 814 connects the second end point 810 and the branch point 808. The second line 816 connects the second end point 812 and the branch point 808. The orientation 820 of the divergence point 808 is determined by the angle of the line of the orientation 818 bisecting the angle formed by the first line 814 and the second line 816. [ For example, the angle of the line of the orientation 818 is determined in relation to the reference line 822.

In one embodiment of the present invention, the reference line 822 is an arbitrary line parallel to the x-axis of the two-dimensional image. It will be appreciated by those skilled in the art that orientation 820 may be specified in any other coordinate system used to describe a fingerprint, such as with a reference to a two-dimensional fingerprint image, or a three-dimensional fingerprint image scan .

It will be appreciated by those of ordinary skill in the art that the embodiments of the present invention include other methods of calculating the orientation of a Minisch based on a fingerprint image. In one embodiment of the prior invention, orientation is calculated only for selected Minisha points. For example, orientation can only be calculated for basic Minishers points.

In one embodiment of the prior invention, the orientation is calculated only for the sets of Minusher points associated with some of the fingerprint images.

In another embodiment of the prior invention, the orientation is calculated for sets of Minisha points associated with all of the fingerprint images. Although the computation of the Minneship Point orientation for the branches and ridge ends is described in reference to a two-dimensional fingerprint image, it should be appreciated that embodiments of the present invention may be modified for use in three-dimensional fingerprint images Those skilled in the art will appreciate.

Returning to process 400, the method continues to step 410 where the simulated points are added to at least one set of Minusher points based on the location and orientation of the Minusher points.

In one embodiment of the prior art, the simulated points are positioned to simulate orientation information for the minuscule points. This allows the orientation information to be accounted for by the registration method, which typically considers only the point location, without considering the point orientation.

In one embodiment of the prior art, the simulated points are added to the set of Minishir points very close to the Minusher point. For example, 5-10 simulated points may be added to the set of minisherm points to simulate the orientation information of one minusher point.

In one embodiment of the prior art, the simulated points are added along the line of orientation that intersects the minuscule point, where the angle line of the orientation is equivalent to the calculated orientation of the Minusher point.

In this way, information about the orientation of the Minusher points is added to the set of Minusher points in such a way that the point registering method is designed to be handled.

26 is a diagram useful for understanding the general implementation of the ICP algorithm in an embodiment of the invention according to the prior art applied to the present invention. A typical ICP algorithm is an iterative process that is capable of adjusting two sets of points through an iterative process.

The ICP algorithm 906 can handle both three-dimensional as well as two-dimensional points. The ICP algorithm 906 has a first set of points 902 and a second set of points 904. In each iteration, the ICP algorithm 906 computes rotations 908 and transitions 190 for the second set of points 904.

The ICP algorithm 906 also uses rotations 908 and transformations 910 to generate new coordinates 914 for the second set of points 904. The ICP algorithm 906 also calculates an error 912 that represents the distance between the first set of points 902 for the second set of points 904 and the new coordinates 914.

New co-ordinates 914 are used as input instead of the second set of points 904 in the next iteration. In each iteration, the ICP algorithm 906 computes new coordinates 914 for the point list 904. A number of maximum iterations 916 and an error threshold 918 may be supplied to the ICP algorithm 906. [ The ICP algorithm also has an initial estimate 920 as an input for alignment of the first point set 902 and the second point set 904. If the initial estimate 920 is close enough, the algorithm will converge. Methods for calculating the initial estimate of the ICP algorithm are known in the art.

The ICP algorithm is an example of a point registration algorithm that does not use orientation information to register multiple sets of points. By registering multiple sets of minuscule points including simulated points simulating orientation information, the ICP algorithm uses the orientation information provided by the location of the simulated points in the registration process.

A remarkable effect can be expected when the principle of the fingerprint algorithm is applied to the present invention.

In the foregoing, the electronic payment system using the fingerprint and / or finger vein recognition according to the present invention and the configuration and operation for confirming the transfer of security information while limiting the transfer of the security information of the user are described in detail with reference to the drawings and the drawings, And various changes and modifications can be made without departing from the technical idea of the present invention.

2: Electronic payment system
10: Network
100: Personal financial transaction relay server
110: Multiple safety lock module
120: fingerprint / finger vein D / B
1000: biometric authentication integrated terminal
1100:
1105: Electrical cover
1120: Data input unit
1130:
1135: Advertising video originator
1140:
1150:
1160:
1170:
1180: fingerprint and finger vein authentication processing unit
1190: card information authentication processing unit
1194: Irregular information authentication processing unit
1196: Face information authentication processing unit

Claims (6)

A method of processing a financial transaction relay system, the method comprising the steps of: if the transmitted fingerprint and / or fingerprint information coincides with the fingerprint and / or fingerprint information registered in the personal finance transaction relay server, A transaction processing method of a financial transaction relay system connecting to a system or an electronic commerce system,
A bank transfer execution step (S1407a) of executing the account transfer according to the designated procedure when the account balance is confirmed to be larger than the remittance amount;
A smartphone guidance notifying step (S1407c) of notifying the user of the transfer to the smartphone compulsively in the account transfer execution step (S1407a) to confirm whether the transfer is true;
(S1407d) for authenticating a transfer fact in which the user who has received the notification in the smartphone guidance notifying step (S1407c) responds the fact to Yes and No within 10 seconds;
In step S 1407 e, if it is determined that the transfer account has been authenticated, the transfer account and the telephone number matching step (S 1407 e) for confirming whether the transfer account is matched with the master telephone number of the transfer account, ;
In step S1407e, the transfer account and the telephone number matching step (S1407e) include a step S1407f for completing transfer and guidance only when the transfer account and the telephone number of the person to be transferred match;
A completion step (S1407g) of finishing the transfer execution at the time of No signal in the transferring fact authentication step (S1407d) and the transfer account and telephone number matching confirmation step (S1407e) after completion of transfer and guidance (S1407f); Lt; / RTI >
The integration module U1 for authenticating the fingerprint and / or fingerprint information comprises a fingerprint module U2, a fingerprint module U3 ) And a conversion module (U4). The fingerprint module (U2) scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image. If there is a person with the same fingerprint image, the fingerprint module And the finger vein module U3 transmits a finger through the infrared light LED to scan the finger vein from the camera image sensor and compares it with a pre-stored finger vein image. If there is a person having the same image, And outputs the authentication code to the 485 serial communication. The conversion module U4 receives the 485 serial communication output from the finger vein module, 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 authentication code A fingerprint authentication code output from the fingerprint module U2 and a fingerprint authentication code output from the fingerprint module U3 may be output to the integrated module (U1), and when the fingerprint and the finger vein authentication code coincide with each other, the corresponding authentication code can be output to the USB, and a transfer transaction confirmation system of the financial transaction relay system Processing method.
The method according to claim 1,
A transfer amount limit determination step (S1407b) of determining whether or not a transfer amount limit set by the user in the account transfer execution step (S1407a) has been exceeded; And a processing method of a financial transaction relay system using a transfer account matched with a telephone number
The method according to claim 1,
If the person who received the notification in the smartphone guidance notification step (S1407c) of the smartphone responds with a signal of No or does not respond after a certain period of time, it is reported to the criminal reporting center and the location can be tracked by telephone number or the like (S1407h), and the processing method of the financial transaction relay system by the transfer account matched with the telephone number
delete delete The method of claim 1, wherein the fingerprint information comprises: extracting a first set of Minishur points from a first fingerprint image;
Extracting a second set of Minishur points from the second fingerprint image;
Calculating an orientation of a plurality of Minusher points selected from the first set of Minishur points based on the first fingerprint image;
Adding simulated points generated based on the location and orientation of the minuscule points at the plurality of minuscule points to the first set of minuscule points;
Registering the first and second Minneship point sets; And
Combining the first set of Minishur points and the second set of Minishur points into a fingerprint template;
Characterized in that the ICP algorithm is used to register the first Minusher point set and the second Minusher point set and the processing of the financial transaction relay system by transfer account matching with the telephone number Way

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