KR101874319B1 - System for relaying financial transaction with multiple safety function and method for processing thereof - Google Patents

Abstract

According to the present invention, a customer terminal is a personal computer (PC) body linked to an integrated biometric authentication terminal of an offline store. A personal finance relay transaction server is in the PC body. A fingerprint recognition device of the customer terminal is mounted on a mouse linked to the PC body. An authentication procedure of the customer terminal is for requesting the fingerprint authentication by transmitting fingerprint information generated in accordance with the fingerprint recognition of the integrated biometric authentication terminal to a fingerprint authentication server of the PC body. A processing method of a financial transaction relay system of a payment terminal, which is executed by a biometric authentication operation using a computer for displaying advertisement images to a display unit from an advertisement image transmitting unit, includes the steps of transmitting the fingerprint information via telephone lines after being switched on a real-time basis by using the fingerprint information transmitted from the fingerprint recognition device of the integrated biometric authentication terminal and accessing an electronic commerce system or an online banking system through the personal finance transaction relay server without authentication to relay financial transactions when the transmitted fingerprint information matches the fingerprint information registered to the personal finance transaction relay server.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial transaction relay system for a payment terminal by biometrics authentication using a computer having multiple security lock functions,

The present invention relates to a processing method of a financial transaction relay system of a payment terminal by biometrics authentication using a computer having multiple security lock functions, and more particularly, to a multiple security lock using fingerprint identification, telephone number authentication, To a processing method of an online financial transaction relaying system having a function.

The present invention relates to a new embodiment of a domestic patent registration No. 10-1543222 (name: a financial transaction relay system having multiple safety lock functions and a processing method thereof).

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.

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, it is an object of the present invention to provide a financial transaction system and a processing method thereof for establishing a relay server in a computer mouse by recognizing that it is a personal apparatus 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.

It is another object of the present invention to provide a financial transaction system having multiple security lock functions using fingerprint recognition to provide convenience for customers and a processing method thereof.

It is still another object of the present invention to provide a financial transaction system and a processing method thereof having multiple security lock functions 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, comprising: accessing a personal financial transaction relay server of a financial transaction relay system from a customer terminal of the financial transaction relay system through a communication network; Acquiring fingerprint information through the fingerprint reader of the customer terminal, transmitting the fingerprint information to the personal finance transaction relay server through the communication network, and registering the fingerprint information in the database in response to the customer terminal in the personal finance transaction relay server ; The personal financial transaction relay server authenticates the user using the telephone number of the customer terminal stored in the database and registers the password for the account account number of the customer terminal in the database to the personal finance transaction relay server, Registering the fingerprint information, the telephone number, and the account password as a member of the personal finance transaction relay server by matching them; When the customer terminal processes an authentication procedure to perform any one of online banking transactions and electronic commerce transactions, the personal financial transaction relay server processes fingerprint authentication by receiving only fingerprint information from the customer terminal; And if the transmitted fingerprint information matches the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction This is a processing method of the transaction relay system.

The customer terminal of the present invention is a personal computer main body that is interlocked with a biometric authentication integrated terminal of an offline store, and the personal finance relay transaction server is a personal financial transaction relay server in the main body of the personal computer, A fingerprint and / or a fingerprint recognizer attached to a mouse interlocked with the main body of the personal computer, wherein the authentication procedure of the customer terminal comprises fingerprint authentication of the biometric authentication integrated terminal and / And fingerprint authentication of the fingerprint and / or finger vein authentication to the fingerprint and / or fingerprint authentication server of the personal computer main body and / or the fingerprint authentication server, wherein the fingerprint and / or the fingerprint authentication fingerprint and / Information is switched in real time and then transmitted to the computer main body via a telephone line, And / or the fingerprint information matches the fingerprint and / or the fingerprint information registered in the personal finance transaction relay server, the personal finance transaction relay server accesses the online bank system or the electronic commerce system without authentication, Wherein the biometric authentication integrated terminal includes a billing system for a customer in an electrical component cover 1150 of the biometric authentication integrated terminal, and the biometric authentication integrated terminal 1150 is connected to one side of the electrical component cover 1150, 1000 fingerprint and / or finger vein authentication processing unit 1180 interlocked with the payment system for the customer of the fingerprint and / or finger vein authentication processing unit 1180, A fingerprint scanning module U2, a finger vein module U3 and a conversion module U4, and the fingerprint scanning module U2 scan the fingerprint in the image sensor and compare the 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, After passing through the finger, the camera image sensor scans the finger vein and compares it with a pre-stored finger image to output the registered authentication code of the person in the same image to the 485 serial communication, The fingerprint scanning module U2 can receive the 485 serial communication output from the finger vein module and convert it into 232 serial communication such as the fingerprint scanning module U2, The finger vein authentication code output from the MAC module U3 is received by the integration module U1 so that either the fingerprint or the finger vein authentication code And the advertisement image issuing unit displays the advertisement image on the display unit at the same time, and simultaneously, the advertisement image is displayed on the display unit through the USB. Of the financial transaction relay system.

In the present invention, the fingerprint and / or finger vein authentication processing unit 1180 may be connected to the LCD display unit 1199a for a customer or the LCD display unit 130 for a clerk for fingerprint authentication, And a proof picture (1810a) is displayed on the display unit (1810). The method for processing a financial transaction relay system of a payment terminal by biometric authentication using a computer having a multiple security lock function.

In the present invention, the fingerprint recognizer uses one of a contact type fingerprint scanning module and an optical recognition module, and the optical recognition module is formed of an image sensor 2310a and an infrared ray transmitter 2320a, And the image is photographed while being irradiated with infrared rays. The method for processing a financial transaction relay system of a payment terminal by biometrics authentication using a computer having multiple security lock functions.

Therefore, it is an object of the present invention to recognize that it is a personal device that can avoid hacking, and by constructing a relay server in a computer mouse, there is an effect that it can be perfectly protected from hacking of fingerprint and finger vein storage.

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.

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.

Further, the financial transaction relay system of the present invention registers the fingerprint information, the telephone number, and the account password of the customer terminal in a single membership, thereby providing a safety lock function according to financial transactions, and inconvenience of issuing a public certificate troublesomely Which can provide 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 and 10 are perspective views schematically showing the configuration of the first and second embodiments of the integrated payment apparatus using the biometric authentication integrated terminal of the present invention.
11 is a perspective view schematically showing the configuration of the third embodiment of the integrated payment apparatus using the biometric authentication integrated terminal of the present invention.
12 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.
13 is a side 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
14 is a perspective view schematically showing an optical fingerprint and finger vein authentication device of an integrated payment device using a biometric authentication integrated terminal according to the present invention.
15 is a side 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
16 is a block diagram schematically showing a configuration of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention
17 and 18 are flowcharts when fingerprint 1 and finger vein 1 of the present invention are recognized at the same time.
19 is a block diagram illustrating a financial transaction system of the present invention.
20 is a diagram showing an input / output integration module for linking fingerprint and fingerprint algorithm.
21 is a flowchart for requesting registration of a fingerprint and a finger vein.
22 is a flow chart for requesting authentication of a fingerprint and a finger vein.
23 is a flowchart for requesting deletion of a fingerprint and a fingerprint.
24 is a perspective view schematically showing the configuration of the fourth embodiment of the integrated payment apparatus using the biometric authentication integrated terminal of the present invention
25 is a schematic perspective view of a biometric authentication integrated terminal separated from the biometric authentication integrated terminal of the present invention
26 is a flowchart showing an operation procedure of the biometric authentication integrated terminal of the present invention
Fig. 27 is a table showing the amount of usage amount confirmed by the biometric authentication integrated terminal of the present invention
28 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. 29 is a diagram showing a connection state diagram of a conventional terminal 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. 30 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
31 is a flowchart showing 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

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 seating frame 2000e formed at the center, and a fingertip support 2000f for placing a finger tip is formed at the front end of the center .

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 and 10 are perspective views schematically showing the configurations of the first and second embodiments of the integrated payment apparatus using the biometric authentication integrated terminal of the present invention and FIG. 11 is a perspective view of the third and fourth embodiments of the integrated payment apparatus using the biometric authentication integrated terminal of the present invention 1 is a perspective view schematically showing a configuration of an embodiment.

10, a magnetic card check unit 1102 is formed on one side of the integrated biometric authentication terminal 1000 used in the present invention, and an IC card check unit 1101 The power supply unit 1110 is turned on and the data input unit 1120 displays the payment amount on the LCD display unit 1130 for the clerk and presses the final payment button.

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.

10, the biometric authentication integrated terminal 1000 used in the second embodiment of the present invention differs from the first embodiment in that recognition and suspension 1180a The fingerprint and finger vein authentication processing unit 1180 corresponding to the user's LCD display unit 1180a and the LCD display unit 1199a for the customer are formed in the main body by the LCD display unit accommodating unit 1150a of the main body, There is no difference except that it can be made in the form.

11, the biometric authentication integrated terminal 1000 used in the third embodiment of the present invention has a comparatively large size, a magnetic card check part 1102 is formed on one side, and an IC The card check unit 1101 is formed and the power supply unit 1110 is turned on and the data input unit 1120 displays the payment amount on the LCD display unit 1130 for the clerk and presses the final payment button.

In the front part of the biometric authentication integrated terminal 1000, an electronic component cover 1150 is formed as a payment system. One finger fingerprint and finger vein authentication processing part 1180 is formed on one side, 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 unit 1199b for a customer is formed on one side of the electrical component cover 1150. The LCD display unit 1199b for a customer displays a payment amount and an audit of the customer, It is possible to match the size of the LCD display portion 1199b.

An iris information authentication processing unit 1194 is formed at an upper end of the electrical component cover 1150 and is designed together with the iris information authentication processing unit 1194 to form a face information authentication processing unit 1196. [

And an unexplained reference numeral 1182 is an infrared transmitting unit further transmitted to the fingerprint and finger vein recognition processing unit 1180.

In the case of mechanically used for normal use, the clerk and the customer can pay with face to face. When the internal computer equipment is repaired, 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. 12 is a perspective view schematically showing a contact type fingerprint and finger vein authentication device of the integrated payment device using the biometric authentication integrated terminal of the present invention, and FIG. 13 is a perspective view of the contact type fingerprint and finger vein authentication device of the integrated payment device using the biometric authentication integrated terminal of the present invention. FIG. 14 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 according to the present invention, FIG. 15 is a perspective view schematically showing the biometric authentication device of the present invention FIG. 2 is a side view schematically showing an optical fingerprint and finger vein authentication device of an integrated payment device using an integrated terminal.

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.

As shown in FIGS. 14 and 15, the fingerprint scanning module 2310 uses a contact type recognition module as a fingerprint authentication processing unit in the above-described embodiments, and a recognition circuit The fingerprint scanning module 2310b uses an optical recognition module and the configuration thereof is formed by the image sensor 2310a and the infrared ray emitting portion 2320a An infrared ray is radiated in the direction of the fingerprint, and an image is captured. On the rear surface thereof, a recognition circuit front portion 2320 is formed to control the fingerprint.

Next, a configuration of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention will be described.

16 is a block diagram schematically showing a configuration of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention.

As shown in the figure, the biometric authentication integrated terminal 1000 includes a power supply unit 1110, a data input unit 1120, a display unit 1130, an advertisement video transmission unit 1135, a control unit 1140, a memory 1155, A fingerprint and fingertip authentication processing unit 1180, a card information authentication processing unit 1190, an iris information authentication processing unit 1194, and a face information authentication processing unit 1196. The communication unit 1160, the reader unit 1170,

The power supply unit 1110 supplies operating power for operation of the device.

The data input unit 1120 includes a keyboard, a touch panel, and the like, which are provided outside the device, and outputs real-time information based on the status of a business site input by the business manager to the control unit 1140.

The display unit 1130 displays real-time information input through the data input unit 1120 on the screen. And an LCD display unit for displaying operational information (for example, sales information and the like) related to sales of a general business site, and performing an advertising action such as a moving image.

The advertisement video transmitting unit 1135 is made as a short film so that the advertisement video is displayed on the LCD display units 1190a and 1190b of the user of the biometric authentication integrated terminal 1000 and can be advertised in normal times, So that the advertisement image can be advertised.

The control unit 1140 controls the memory 1150 to store real-time information reflecting the business status of the business in accordance with the input operation of the business manager input through the data input unit 1120, and transmits real-time information via the communication unit 1160 To the management server computer.

In addition, the control unit 1140 activates cost information to be paid by a user who uses a business site in accordance with an operation of the administrator, and displays real-time benefit (discount) information displayed on the user terminal 1000 Read through the reader unit 1170 and controls the reader unit 1170 to transmit the benefit information read by the reader unit 1170 together with the cost information to be paid to the information management server computer through the communication unit 1160, When the reflected calculation information is transmitted, control is performed so as to perform the cost settlement process according to the use of the business site based on the calculation information reflecting the benefit (discount).

In addition, the control unit 1140 activates the cost information to be paid by the user using the business site in accordance with the operation of the manager, and transmits the cost information to be set by the user to the information To the management server computer, and when the calculation information reflecting the benefit (discount) to be provided to the user performing the current cost settlement is transmitted from the information management server computer through the communication unit 1160, And controls the processing. At this time, the calculation information that reflects the benefit (discount) received from the information management server computer is obtained from the information management server computer that recognizes the operation of the user clicking on the benefit (discount) information of the real time information displayed on the user terminal Discount) information and cost information to settle.

The memory 1155 stores a control program for driving the biometric authentication integrated terminal 1000. The memory 1155 stores real-time information input by a workplace manager, cost payment information for use of real-time information, .

The communication unit 1160 transmits real-time information directly inputted by the business manager under the control of the control unit 1140 to the information management server computer through the network communication network.

The reader unit 1170 includes a scanner and a card reader. The reader unit 1170 performs real-time information recognition on a user terminal (e.g., a smart phone) at the time of payment of a fee for using a business site of a user visiting the business site based on real- At the time of settlement of a general card, the card information is recognized and the settlement data such as the card information and the amount information is transmitted / received to / from the settlement server computer through the communication unit 1160 to perform settlement of expenses.

The fingerprint and fingerprint authentication processing unit 1180 converts the fingerprint and fingerprint information inputted by a user who performs a general card payment into digital data and outputs the digital data to the control unit 1140.

The card information authentication processing unit 1190 outputs the card information input by the user who performs general card settlement to the control unit 1140. [

The iris information authentication processing unit 1194 converts the iris information input by a user who performs general card settlement into digital data and outputs the digital data to the control unit 1140. [

The face information authentication processing unit 1196 converts the iris information input by the user who performs general card settlement into digital data and outputs the digital data to the control unit 1140. [

Fingerprints, finger veins, iris, and face authentication data of the user who is used when necessary are stored and can be easily handled by computerized processing It can be confirmed.

The following describes how to authenticate fingerprints and fingerprints.

FIGS. 17 and 18 are flowcharts showing the case where the fingerprint 1 and the finger vein 1 of the present invention are recognized at the same time, and FIG. 19 is a block diagram showing the financial transaction system of the present invention.

FIG. 17 is a flowchart illustrating an inventive process of a financial transaction relay system having multiple security lock functions using fingerprint 1 authentication according to an embodiment of the present invention.

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

(Here, fingerprints 1 and fingerprints 1 are numbered for use with two fingers)

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

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

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

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

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

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

And FIG. 18 is a flowchart illustrating a process procedure of a financial transaction relay system having multiple security lock functions for simultaneously scanning a fingerprint 1 and a finger vein 1 according to another embodiment of the present invention to process user authentication . In this embodiment, the fingerprint 1 information and the fingerprint 1 information are processed in the case where the user identification is difficult, and the fingerprint 1 information is subjected to the primary user authentication. If the fingerprint 1 information is difficult to identify in the primary, And carries out the user authentication using the designated MAC 1 information by car.

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

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

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

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

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

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

FIG. 19 is a flowchart illustrating the processing procedure of a financial transaction relay system having multiple security lock functions using fingerprint and finger vein authentication according to an embodiment of the present invention, respectively.

Referring to FIG. 19, 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.

FIG. 20 is a flowchart showing an input / output integration module for linking fingerprint and fingerprint algorithm, FIG. 21 is a flowchart for requesting registration of fingerprint and fingerprint, FIG. 22 is a flowchart for requesting authentication of fingerprint and fingerprint , And Fig. 23 is a flowchart for requesting deletion of the fingerprint and the fingerprint.

As shown in FIG. 20, 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.

The following describes procedures for registering, authenticating and deleting fingerprints and fingerprints from a bank having a recognizer.

First, as shown in FIGS. 21 to 23, a registration request is made in the fingerprint and finger vein recognizer as a step of registering fingerprint and finger vein (S311).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The third embodiment differs from the third embodiment in that a fingerprint authentication processing unit 1181 is further formed on one side so that the fingerprint authentication processing unit 1181 can be used when necessary or when the user desires.

This operation is designed to sequentially recognize the fingerprint or select it according to the state of the fingerprint.

Next, an embodiment of a biometric authentication integrated terminal in which the present invention is connected to a connection part of a sign-pad in an existing biometric authentication integrated terminal and performs a separate independent function will be described.

FIG. 25 is a schematic perspective view of a biometric authentication integrated terminal separated from the biometric authentication integrated terminal of the present invention. FIG. 26 is an operational flowchart of the integrated biometric authentication terminal of the present invention. FIG. The amount of the used amount of money.

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 subject authentication processing unit 1181 can 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.

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

FIG. 26 is a flowchart illustrating a process of a financial transaction relay system having multiple security lock functions for simultaneously scanning a fingerprint and a face to process user authentication according to another embodiment of the present invention, 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).

Next, a usage amount status table 3288 displayed on the LCD display unit 1199a for a customer at the biometric authentication integrated terminal 1000a 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.

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. 28 is a state diagram showing a state in which a face image of a user is simultaneously displayed on a terminal for a clerk and a user for a finger authentication before or after selecting financial information in the integrated terminal according to the present invention. FIG. FIG. 30 is a diagram illustrating a state in which a face image of the user is displayed before a financial information is selected or a final payment step in a terminal. FIG. 31 is an operational procedure chart showing a face image of a user when a finger is authenticated before or after financial information is selected in the biometric authentication integrated terminal of the present invention.

FIG. 28 is a picture presentation applied to the integrated terminal of the present invention. FIG. 29 is a diagram illustrating a photograph of an ID that appears on an LCD display unit when a conventional biometric authentication integrated terminal and a biometric authentication integrated terminal of the present invention are combined, Since the description of the other constituent elements has already been described above, it is omitted here.

In the first embodiment of the facial photograph exposing according to the present invention, the fingerprint information and the face information are the same or similar, and are processed when the user identification is difficult. The first user authentication is processed by the 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).

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.

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

2: Electronic payment system
10: Network
100: 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 (3)

A method of processing a financial transaction relay system comprising the steps of: accessing a personal financial transaction relay server of a financial transaction relay system from a customer terminal of the financial transaction relay system through a communication network;
Acquiring fingerprint information through the fingerprint reader of the customer terminal, transmitting the fingerprint information to the personal finance transaction relay server through the communication network, and registering the fingerprint information in the database in response to the customer terminal in the personal finance transaction relay server ;
The personal financial transaction relay server authenticates the user using the telephone number of the customer terminal stored in the database and registers the password for the account account number of the customer terminal in the database to the personal financial transaction relay server, Registering the fingerprint information, the telephone number, and the account password as a member of the personal finance transaction relay server by matching them;
When the customer terminal processes an authentication procedure to perform any one of online banking transactions and electronic commerce transactions, the personal financial transaction relay server processes fingerprint authentication by receiving only fingerprint information from the customer terminal;
And if the transmitted fingerprint information matches the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction A transaction processing method of a transaction relay system,
Wherein the customer terminal is a personal computer main body connected to a biometric authentication integrated terminal of an offline store, the personal finance relay transaction server is a personal financial transaction relay server in the main body of the personal computer, Wherein the authentication procedure of the customer terminal is a fingerprint or / and a fingerprint reader attached to the mouse, the fingerprint and / or the fingerprint information of the fingerprint and / or the fingerprint of the biometric authentication integrated terminal, And / or a fingerprint authentication server to request a fingerprint and / or a fingerprint authentication, wherein the fingerprint and / or fingerprint authentication information is transmitted in real time by fingerprint and / or fingerprint information transmitted from the fingerprint and / After switching, it is transmitted to the computer body via the telephone line, but the transmitted fingerprint and / or designation If the information matches the fingerprint and / or the fingerprint information registered in the personal financial transaction relay server, the personal financial transaction relay server accesses the online bank system or the electronic commerce system without authentication and relays the financial transaction The integrated biometric authentication terminal includes a billing system for a customer in an electrical component cover 1150 of the biometrics authentication integrated terminal, and is connected to a billing system for a customer of the biometrics authentication integrated terminal at one side of the electrical component cover 1150 And an integration module U1 for simultaneously authenticating the fingerprint and / or the fingerprint of the fingerprint and / or finger vein authentication processing unit 1180, and / or a fingerprint authentication processing unit 1180, The fingerprint scanning module U2 comprises a fingerprint scanning module U2, a finger vein module U3 and a conversion module U4, And outputs the registered authentication code of the person to the 232 serial communication when the door is scanned and compares the image with a pre-stored image. If the person has the same fingerprint image, the finger module U3 transmits the authentication image to the camera image The sensor compares the pre-stored finger image with the pre-stored finger image to output the registered authentication code of the person in the 485 serial communication when there is a person of the same image, The fingerprint authentication module 230 receives the 485 serial communication and converts it into 232 serial communication such as the fingerprint scan module U2 and outputs the fingerprint authentication code and the fingerprint authentication code output from the finger vein scanning module U2, When the fingerprint authentication code is received from the integration module (U1), the fingerprint authentication module And the advertisement image is displayed on the display unit from the advertisement image transmitting unit at the same time, and the advertisement image is displayed on the display unit. Also, the processing of the financial transaction relay system of the payment terminal by the biometric authentication using the computer having the multiple security lock function Way
The method according to claim 1,
An ID photograph 1810a interlocked with the fingerprint is displayed on the LCD display unit 1199a for the customer or the LCD display unit 130 for the clerk for authenticating the user at the fingerprint and / or the finger vein authentication processing unit 1180 with the finger A processing method of a financial transaction relay system of a payment terminal by biometrics authentication using a computer having multiple security lock functions
The fingerprint reader according to claim 1, wherein the fingerprint reader uses one of a contact type fingerprint scanning module and an optical recognition module, and the optical recognition module is formed of an image sensor (2310a) and an infrared ray emitting portion (2320a) A processing method of a financial transaction relay system of a payment terminal by biometric authentication using a computer having multiple security lock functions, characterized in that an image is photographed while an infrared ray is irradiated

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