KR102112682B1 - System for dealing a digital currency with block chain matching biometric identification in connection with insurance - Google Patents

Abstract

The present invention relates to a digital virtual currency method for transmitting digital virtual currency from compensation insurance in conjunction with a biometric authentication signal and more specifically, to a digital virtual currency method for transmitting digital virtual currency in conjunction with a biometric authentication signal, which uses biological means with a sensor recognizing the fingerprints, veins of a finger, iris, and face to provide compensation insurance for errors in a virtual currency transaction, such that security is ensured and hacking during the transaction of the digital virtual currency having blockchains is avoided. The digital virtual currency method is characterized by including: after a fingerprint or finger vein authentication information matching determination step (S130a), a compensation insurance determination step (S130b) of determining, by an information server (200) for a blockchain-based digital virtual currency transaction, whether a giver has taken out compensation insurance which covers damage caused by errors in a transaction; and an insurance purchase procedure performing step (S130c) of having the giver take ″an insurance purchase procedure″ in accordance with the terms and conditions of insurance, if the giver is not insured by the compensation insurance.

Description

System for dealing with a digital currency with block chain matching biometric identification in connection with insurance

The present invention relates to a transaction method of a digital virtual currency that transmits a digital virtual currency by compensation insurance in connection with a biometric authentication signal, and is particularly designed to prevent security and hacking when trading a digital virtual currency with a blockchain. Transaction method of digital virtual currency that transmits digital virtual currency using biometric means by fingerprint / finger vein / iris / face recognition sensor that can pay compensation insurance for defects in currency exchange in connection with biometric authentication signal It is about.

The inventor has filed a patent for a 3D stereoscopic imaging device as an authentication device for fingerprints and finger veins according to patent application No. 10-2016-46122 on technical matters that are applied as the gist of this patent application, and also has a domestic patent application No. 10 -2016-0153836, 10-2016-0157310, and 10-2016-0157311 have filed patent applications for algorithms for fingerprint and fingerprint, fingerprint and vein, and vein and vein.

The transaction system of digital virtual currency with a blockchain between parties, which is a background technology to which it is applied, was also patented with patent registration Nos. 10-1673073 and 10-1628007.

In other words, the Bitcoin (the same concept as virtual currency) (BTC, Bitcoin) system was developed in 2009 by an individual or group of programmers under the pseudonym Nakamoto Satoshi, and basically does not depend on a specific computer or network. P2P (pear to pear) based distributed database. In a word, it means that individual computers or servers where the Bitcoin (the same concept as virtual currency) programs are installed together to create an entire Bitcoin (the same concept as virtual currency) system.

In this system, what we call Bitcoin (the same concept as virtual currency) is created through the act of Mining (originally Data Mining, which means information processing, but is commonly used as 'mining' in Korea). You can store the created coins in your personal wallet and trade them. Bitcoin (the same concept as virtual currency) currently has about 13.8 million mined and distributed, and by 2140, all 21 million are scheduled to be mined sequentially.

The most important word in the description of Bitcoin (the same concept as virtual currency) is Mining.

Mining is usually a way to get a new bitcoin (the same concept as virtual currency). Bitcoin (same concept as virtual currency) is the computer that finds it first through the computer (terminal) constituting the bitcoin network (competing with virtual currency) competing to find an operation value that satisfies a specific condition. The process provided is called mining. However, this mining is not only a method of obtaining a simple bitcoin (the same concept as virtual currency), but also serves to authenticate the transaction of bitcoin (the same concept as virtual currency).

Currently, global companies that accept payments in Bitcoin (the same concept as virtual currency) include DELL (computer), MicroSoft (software), Expedia (the world's largest online travel agency), and PayPal (payment), a subsidiary of Braintree. Sue is growing at a rapid pace. You can check the general merchant status at http://coinmap.org.

The following is the structure of Crypto-Currency.

Crypto-Currencies, represented by Bitcoin (the same concept as virtual currency), have a common form of transaction book called Blockchain.

As a summary, a general user downloads a cryptocurrency wallet program to his computer. Then install it on your computer. Then, as the program is executed, it starts the task of synchronizing (matching) itself with the blockchain recorded on the network. It usually takes 3 to 7 days because the data is tens of gigabytes. After the synchronization, you can create your own address (concept of account in bank) in your wallet and send or receive bitcoin (same concept as virtual currency) through that address. (Bitcoin (same concept as virtual currency) In the case of), the address is a combination of 34 digits of English (uppercase and lowercase) and a number starting with 1 (ex, 1MowqQrQJL5AeaDMpX35B6EiJ4qnXPJnFp).

Here, all cryptocurrencies running on the blockchain system, including Bitcoin (the same concept as virtual currency), are paired by the user in the form of 'private key-public key (address)'. have. The public key corresponds to the bank's account number and the private key corresponds to the password, which is a pair that fits only with each other.

In the case of Bitcoin (the same concept as virtual currency) QT program (user's personal wallet program), the private key is encrypted using the user password and stored in the member's computer.

In the case of bitcoin (same concept as virtual currency) exchange web wallet, the private key is encrypted and stored in the server using the user password or the server's SALT.

In any case, the conventional method is to store the private key on the server or the member computer.

In other words, insiders related to exchange security who know how to encrypt, there is a possibility to use the secret private key by decrypting the encrypted private key stored in the server.

When a member views his or her account through the exchange server, the balance stored in the server database (DB) is shown. The actual balance present in the address is meaningless to the member. The actual transmission of ordinary bitcoin (the same concept as virtual currency) requires 6 confirmations, but it takes about an hour, so it is impossible to buy and sell frequently within a short time.

Looking at this, as shown in Figures 1 to 4, the transaction system of a digital virtual currency having a blockchain between the parties of the present invention includes a plurality of blockchain holding servers 100, a blockchain-based digital virtual currency trading guide server 200 , A donor terminal 300 and a recipient terminal 400.

First, a number of blockchain-owned servers 100 block-based digital virtual currency through verification of transaction information for digital virtual currency transaction with the transmitted blockchain when transaction information for digital virtual currency transaction with blockchain is transmitted. As a member equipped with a block chain that authenticates transactions and records transaction information for digital virtual currency transactions with a blockchain according to the authentication, when trading digital virtual currencies with a blockchain, These are devices that form a distributed database based on peer-to-peer network (P2P), that is, a Bitcoin (same concept as virtual currency) network that performs digital cryptocurrency transactions with a blockchain through authentication and records for Korea.

Blockchain-based digital virtual currency transaction guide server 200, which will be described later as operated by the Bitcoin (same concept as virtual currency) exchange, is a member of the block chain holding server 100. .

In addition, the propagation of transaction information for digital virtual currency transaction with blockchain is promised by a communication protocol, and when a transaction information for digital virtual currency transaction with blockchain occurs, one node (here, a blockchain holding server) (Referred to as)) through the pyramidal propagation that propagates to the next 8 nodes designated, and repeatedly propagates to the next 8 nodes designated for each of the 8 nodes that have received transaction information for digital cryptocurrency transaction with the blockchain. Completed by being propagated to all blockchain-bearing servers 100 on which the necessary blockchain is required to perform digital cryptocurrency transactions with blockchain.

On the other hand, the blockchain holding server 100 is equipped with a blockchain, a server (or terminal) operated by a miner that mines a digital virtual currency having a blockchain, or a user for trading a digital virtual currency having a blockchain. A terminal (for example, a PC or a smartphone) can also be made as a member when an electronic wallet with a blockchain is mounted.

Types of digital virtual currencies with blockchain with such trading characteristics include Bitcoin (same concept as virtual currency), Litecoin, Darkcoin, Namecoin, Dogecoin, and Ripple.

When the transaction request signal for a donor is transmitted, the blockchain-based digital virtual currency transaction guide server 200 generates a URL (A) for recognizing a beneficiary that guides a recipient to recognize a digital virtual currency with a blockchain. To the beneficiary, deduct the amount of money that the donor wants to present to the beneficiary from the blockchain-based digital virtual currency amount information held in the electronic wallet, and deduct the amount of the beneficiary's electronic wallet. As a member that generates transaction information for digital virtual currency transaction consisting of transaction history accumulated in the blockchain-based digital virtual currency amount information, and controls it to be propagated to the blockchain holding servers 100, as a presenter and a beneficiary party It performs the function of guiding users to easily conduct transactions through the above-mentioned URL (A) for recognizing the beneficiaries without recognizing the public address of 32 bytes when transacting digital cryptocurrency with a blockchain. do.

To this end, the blockchain-based digital virtual currency transaction guide server 200 includes information registered by the user when registering as a member for the transaction of the blockchain-based digital virtual currency, a member's ID, password, and a phone number including the communication terminal, The member list information DB (211) in which member identification information including the address is stored for each member, and the public address and private key of the blockchain-based digital virtual currency opened by the user who joined as a member And a DB unit 210 having an electronic wallet list information DB 212 in which an electronic wallet including blockchain-based digital virtual currency amount information is classified and stored for each member.

Through this, the blockchain-based digital virtual currency transaction guide server 200, when a transaction request signal for a donor is transmitted from the presenter terminal 300, which will be described later, member information of the presenter included in the transaction request signal for the presenter After matching with DB 211, after confirming that it is a member, a URL (A) for recognizing a recipient is generated and transmitted to the presenter terminal 300, and when a new personal identification signal is transmitted from the recipient terminal 400 to be described later, the recipient is authenticated The amount of blockchain-based digital cryptocurrency stored in the e-wallet information of the donor in the e-wallet list information DB (212) after matching the identity information of the beneficiary included in the dragon details signal with the member list information DB (211) By subtracting the amount of information you want to give to the beneficiary, accumulate the amount of the deducted amount in the blockchain-based digital virtual currency amount information stored in the beneficiary's electronic wallet information, and then generate transaction information for digital virtual currency transaction based on this, It performs the function of controlling to be propagated to the blockchain holding servers 100.

As such, the donor and the beneficiary who own the donor terminal 300 and the beneficiary terminal 400, which will be described later, are registered as members of the electronic wallet management system in the blockchain-based digital virtual currency transaction guide server 200.

The presenter terminal 300 generates a transaction request signal for a presenter including the amount information of the digital virtual currency having the blockchain to be presented and the personal information of the presenter, and transmits it to the digital virtual currency transaction guide server 200, , The presenter-side blockchain-based digital virtual currency transaction app 310 that guides the user to designate and transmit the beneficiary who wants to pass the URL (A) for recognizing the beneficiary transmitted from the digital virtual currency transaction guide server 200 This is a mounted terminal member.

Here, the presenter-side blockchain-based digital virtual currency transaction app 310 is an application program, accessed by the app store through the presenter terminal 300 to be downloaded or downloaded, or to the aforementioned blockchain-based digital virtual currency transaction guide server 200. You can directly download, install, and use it.

Also, the presenter terminal 300 stores a blockchain-based digital virtual currency transaction screen 510 for inputting an amount of a digital virtual currency having a blockchain and selecting an instant messenger.

The blockchain-based digital virtual currency transaction screen 510 displays the amount of money displayed in the amount 511 of the digital virtual currency having the blockchain to be presented, and the instant messengers mounted on the presenter terminal 300, and the displayed Among the instant messengers, the instant messenger selection box 512 for selecting the corresponding instant messenger to which the presenter is subscribed, the text input box 513 where a message to be delivered to the recipient is displayed, and a transmission menu requesting data transmission ( 514).

Through this, the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300 clicks the transfer menu 514 of the blockchain-based digital virtual currency transaction screen 510, and the amount of money display box 511 Programming to generate the transaction request signal for the donor by collecting the amount information of the digital virtual currency with the blockchain displayed through), the selected IM identification information selected through the instant messenger selection box 512, and the personal information of the donor being stored and managed. Become angry.

The transaction process of the digital virtual currency having the blockchain between the parties is explained as follows by using the transaction system of the digital virtual currency having the blockchain between the parties of the present invention configured as above.

First, the presenter runs the presenter-side blockchain-based digital virtual currency transaction app 310 mounted on the presenter terminal 300 (S110), and the executed presenter-side blockchain-based digital virtual currency transaction app 310 Controls the block-based digital virtual currency transaction screen 510 stored and managed to be output and displayed (S120) through the information output unit 301 of the presenter terminal 300.

Subsequently, the presenter enters the input form into the amount display field 511, the instant messenger selection box 512, and the text input field 513 displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301. When the transfer menu 514 is clicked in the correct input state, the presenter-side blockchain-based digital virtual currency transaction app 310 enters information on the amount of digital virtual currency entered through the blockchain-based digital virtual currency transaction screen 510. , Collects the selected IM identification information and the personal information of the donor that is stored and managed to generate a transaction request signal for the donor and transmits it to the blockchain-based digital virtual currency transaction information server 200 (S130).

Thereafter, when the transaction request signal for a donor is transmitted from the presenter terminal 300, the blockchain-based digital virtual currency transaction guide server 200 receives the presenter's personal information included in the presenter's transaction request signal, member list information DB 211 Matching with, after confirming that it is a member, generates a URL (A) for recognizing a beneficiary who guides a digital virtual currency having a blockchain to recognize a donor, and transmits it to the presenter terminal 300 (S140).

Subsequently, the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300 transmits the recipient recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, and identifies the selected IM When the presenter-side instant messenger corresponding to the information is controlled to be automatically executed, the URL display guide screen for the presenter-side instant messenger (see FIG. 3B) is displayed in which the URL (A) for recognition of a recipient is inserted into the automatically executed donor side instant messenger. Control to be output through the information output unit 301 (S150).

Thereafter, the presenter-side instant messenger of the presenter terminal 300 designates the recipient account of the instant messenger for which the presenter requests delivery of the URL (A) for recognizing the recipient through the donor-side instant messenger designation guide screen (see FIG. 3C). If so, the URL (A) for recognition of the recipient is transmitted to the recipient terminal 400 corresponding to the recipient account (S160).

Subsequently, the instant messenger side of the recipient terminal 400 displays the URL display guide screen for the instant messenger side instant messenger (see FIG. 3D) in which the transmitted URL (A) for recognizing the recipient is inserted and output through the information output unit 401 ( S170).

Thereafter, when the URL (A) for recognizing the recipient displayed on the instant messenger on the recipient side of the recipient terminal 400 is clicked, the blockchain-based digital virtual currency transaction app 410 is automatically executed in conjunction with this (S180). .

The blockchain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a new personal information signal for authentication of a beneficiary, which includes personal information of a beneficiary receiving a digital virtual currency having a blockchain, and This is controlled to be transmitted to the digital virtual currency transaction guide server 200 (S190).

Subsequently, when the blockchain-based digital virtual currency transaction guide server 200 transmits a credential identification signal from the credential terminal 400, the credential identification information included in the credential authentication credential signal is registered as a member list information DB. After matching with (211), after confirming that the beneficiary is a member, the electronic wallet list information DB 212 deducts the amount of the blockchain-based digital virtual currency amount stored in the donor's electronic wallet information by the amount to be presented to the beneficiary. After accumulating the amount of money on the blockchain-based digital virtual currency stored in the e-wallet information of the beneficiary, the transaction information for the digital virtual currency transaction with the blockchain is generated based on this, to the designated blockchain holding servers 100 Send (S200).

Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. The virtual currency transaction is authenticated, and the transaction information for the digital virtual currency transaction having a blockchain is recorded according to the authentication (S210), thereby authenticating the transaction.

Thereafter, the blockchain-based digital virtual currency transaction guide server 200 transmits a message to the presenter that the digital virtual currency having the blockchain is paid to the recipient.

Subsequently, when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200 to the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300, the presenter side corresponding to the selected IM identification information In a state in which the instant messenger is controlled to be automatically executed, the payment confirmation guide screen for the donor-side instant messenger (see FIG. 3E) in which a message is inserted and displayed in the auto-executed donor-side instant messenger is controlled to be output through the information output unit 301. .

In addition, the app 410 for a blockchain-based digital virtual currency transaction on the beneficiary side of the beneficiary terminal 400 is automatically executed when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200. In a controlled state, a control message is displayed so that a cumulative storage guide screen for a recipient's instant messenger (see FIG. 3F) in which a message is inserted and displayed on the automatically executed recipient's instant messenger is displayed through the information output unit 401.

However, in the digital virtual currency transaction system having the above-mentioned block chain between the parties, if the private key corresponding to each unique address, that is, the public address and password, is lost, bitcoin (virtual currency) And the same concept).

 Moreover, since the actual transmission of Bitcoin (the same concept as virtual currency) requires 6 confirmations and takes about an hour, this method has a problem in that it is impossible to buy and sell frequently within a short time.

Accordingly, an object of the present invention is to create a transaction method of a digital virtual currency that transmits a digital virtual currency in connection with a biometric authentication signal, thereby transacting a digital virtual currency having a blockchain between parties through an authentication means. The purpose is to ensure that the private address corresponding to the public address (Publicaddress) and the password of the public key is lost, and in the case of the theft of cryptocurrency due to hacking, compensation insurance is provided. .

And, an object of the present invention is to create a transaction method of a digital virtual currency that transmits a digital virtual currency in connection with a biometric authentication signal, and the transaction system of a digital virtual currency having a blockchain between parties through an authentication means. The purpose is to ensure that there is no problem in the transmission, security, or hacking of cryptocurrency even when the private address corresponding to the public address (Publicaddress) and password is lost.

Moreover, when the fingerprint conversion device of another type of the present invention is in contact with a fingerprint, the ridges and furrows of the fingerprint are distinguished, and the object is to interlock with other digital electrical signals by not relying on binary data output as digital electrical signals. There is this.

In addition, another type of finger vein converter of the present invention is divided into blocks according to the presence or absence of a divided capillary image by dividing the image screen into a matrix block of the capillary image of a finger obtained through a pre-processing unit that visualizes the image of the capillaries. The purpose is to enable interlocking with other digital electrical signals by not relying on binary data output as digital electrical signals.

Moreover, the iris converter of another type of the present invention divides one iris image into each pixel, and each pixel is interlocked with other digital electric signals by not relying on binary data output as digital electric signals depending on the presence or absence of an iris pattern. The purpose is to make it possible.

In addition, the face converting device of another type of the present invention does not rely on binary data output as a digital electric signal by dividing each pixel according to the normalization of the face image by a feature point of eye position and surrounding details for one face image. As such, the purpose is to be able to interlock with other digital electrical signals.

Eventually, a digital virtual currency transaction method of digital virtual currency that has a blockchain between parties is created by creating a transaction method of a digital virtual currency that transmits the digital virtual currency in connection with a biometric authentication signal. Even if the private address, that is, the public address and the private key corresponding to the password, is lost, others are prevented from using it, and the user's biometric authentication is used for the transmission, security, and hacking of cryptocurrency. The purpose is to allow only transactions to be made.

As a blockchain structure that collects and encrypts transmission records made in the network, as a transaction method of cryptocurrency (Crypto-Currency) consisting of a donor terminal (300) and a recipient terminal (400) without a subject to issue money, first, a donor An application or web execution step (S110) in which the terminal 300 is installed according to the donor's selection, the app 310 for the block-chain-based digital virtual currency transaction or the hybrid web is mounted; The donor terminal 300 outputs the blockchain-based digital virtual currency transaction screen 510 stored and managed through the executed donor-side blockchain-based digital virtual currency transaction app 310 through the information output unit 301. An information output unit display step of controlling the display (S120); At this time, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of the virtual currency associated with the general matching program 340a, is converted in the general matching program 340a, and the fingerprint / point finger vein algorithm 415 ), The electronic algorithm source 416 provided is converted by the general matching program 340a, and they are fused by the electronic cryptographic source of the virtual currency and the electronic algorithm source of the fingerprint / designated vein by the matching program 344. The electronic algorithm source 416 of the fingerprint or finger vein of the donor is the electronic algorithm of the fingerprint or finger vein of the recipient by the blockchain-based digital virtual currency transaction guide server 200 while allowing the transaction as a basic unit of transmission. Fingerprint or finger vein authentication information matching judgment to determine whether the donor terminal 300 is matched with the electronic cryptographic source of the virtual currency and the electronic algorithm source of the fingerprint or finger vein with respect to the digital virtual currency that can be converted into a source. Step (S130a); is a digital virtual currency transaction method for transmitting the digital virtual currency by compensation insurance in connection with a biometric authentication signal, characterized in that it comprises a.

And, the feature of the present invention is that the fingerprint or finger vein authentication information matching step (S130a) after the block chain-based digital virtual currency transaction guide server 200 determines whether the presenter has a compensation insurance that compensates for damages in case of a defect in the transaction. To determine whether or not to pay compensation insurance (S130b); At this time, if the insurance is not subscribed to the insurance, the insurance subscription fulfillment step (S130c) to brighten up the “insurance procedure” according to the insurance coverage terms; Subsequently, the presenter terminal 300 displays the amount of money displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301, 511, instant messenger selection box 512, and text input field 513 ), When the transfer menu 514 is clicked while being input according to the input form, the digital input into the blockchain-based digital virtual currency transaction screen 510 through the donor-side blockchain-based digital virtual currency transaction app 310. Blockchain-based digital virtual that collects the amount information of cryptocurrency, selected IM identification information and personal information of the donor that is stored and managed to generate a transaction request signal for the donor and transmits it to the blockchain-based digital virtual currency transaction guide server 200 It is a transaction method of the digital virtual currency that transmits the digital virtual currency by the compensation insurance in connection with the biometric authentication signal, characterized in that it includes;

And, the feature of the present invention, when the block chain-based digital virtual currency transaction guide server 200 is transmitted from the presenter terminal 300 request signal for the presenter, the presenter's personal information contained in the presenter's transaction request signal After matching with the member list information DB 211, after confirming that it is a member, a URL (A) for recognizing a beneficiary is generated by guiding a digital virtual currency having a blockchain to recognize a beneficiary, and the presenter terminal 300 URL (A) for the recognition of the recipient to transmit the transmission step (S140); Subsequently, when the donor terminal 300 transmits the URL A for recognition of the recipient from the blockchain-based digital virtual currency transaction guide server 200 through the presenter-side blockchain-based digital virtual currency transaction app 310, select IM When the presenter's instant messenger corresponding to the identification information is controlled to be automatically executed, the URL display guide screen for the donor's instant messenger is displayed on the presenter's instant messenger instant messenger URL. 301) URL display guide screen output step (S150) for the donor-side instant messenger to be controlled to be output through the digital virtual currency of the digital virtual currency that transmits in connection with the biometric authentication signal. It is a transaction method.

And, the feature of the present invention, the presenter terminal 300, the presenter's instant messenger account requesting the presenter's recipient's account through the presenter's instant messenger to send the URL (A) for the recipient's gift, the presenter's presenter designation screen for the presenter's instant messenger If specified through, the recipient identification URL (A) transmitting step (S160) of transmitting the recipient identification URL (A) to the recipient terminal 400 corresponding to the recipient account; Subsequently, the recipient terminal 400 controls the recipient to display the URL display guide screen for the instant messenger instant messenger URL (A) in which the recipient recognition URL (A) transmitted through the instant messenger side is displayed through the information output unit 401. Displaying the URL display guide screen for the instant messenger (S170); At this time, when the recipient terminal 400 clicks the URL (A) for recognition of the recipient displayed on the instant messenger on the recipient's side, in conjunction with this, the application automatic execution step of automatically running the blockchain-based digital virtual currency transaction app 410 (S180); The blockchain-based digital virtual currency transaction app 410, in which the terminal 400 is automatically executed, generates a new history signal for authentication of a recipient including information about the recipient of the digital virtual currency with the blockchain. And a digital virtual currency transaction guide transmission step (S190) of transmitting the digital virtual currency transaction guide server 200 to the digital virtual currency transaction guide server 200 in connection with a biometric authentication signal. It is a currency trading method.

And, the feature of the present invention, at this time, passes the new history signal transmission step for authentication of the recipient (S190). The block chain-based digital virtual currency transaction guide server 200 determines whether or not the beneficiary has a compensation insurance that compensates for compensation for damages in case of a defect in the transaction (S190a); At this time, if the insurance is not subscribed to the insurance, the insurance subscription process is performed according to the terms of the insurance policy to brighten the 'insurance procedure' (S190b); Thereafter, the blockchain-based digital virtual currency transaction guide server 200 displays an insurance premium calculation step of displaying the premium based on the transaction amount and transaction amount of the virtual currency on the donor terminal 300 and the recipient terminal 400 on the screen ( S190c); Thereafter, the blockchain-based digital virtual currency transaction guide server 200 determines whether the presenter or the beneficiary will pay the insurance premium based on the transaction amount and the transaction amount of the virtual currency to the presenter terminal 300 and the beneficiary terminal 400. It is a transaction method of digital virtual currency that transmits the digital virtual currency by compensation insurance in connection with a biometric authentication signal, characterized in that it comprises;

And, the feature of the present invention, when the blockchain-based digital virtual currency transaction guide server 200, when the credential authentication signal is transmitted from the credential terminal 400, the credential included in the credential history signal for the credential authentication After matching the personal information with the member list information DB 211, after confirming that the beneficiary is a member, the electronic wallet list information DB 212 attempts to present the money to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information. After deducting the amount by amount, accumulating the amount of the deducted amount into the blockchain-based digital virtual currency amount information stored in the beneficiary's e-wallet information, and based on this, generate transaction information for the digital virtual currency transaction with the blockchain and hold it in the designated blockchain A transaction method for transmitting digital virtual currency to the servers 100 (S200) for transmitting the transaction information for digital virtual currency. to be.

And, the feature of the present invention, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of the virtual currency associated with the global matching program 340a, is converted in the global matching program 340a. The electronic algorithm source 416 provided by the fingerprint / point finger vein algorithm 415 is converted in the general matching program 340a, and these are matched by the matching program 344, the electronic cryptographic source of cryptocurrency and the fingerprint / point finger vein algorithm. At the same time, the electronic algorithm source 416 of the donor's fingerprint or finger vein is fused by the source to be transacted as a basic unit of virtual currency transmission, and the recipient of the beneficiary by the blockchain-based digital virtual currency transaction guide server 200 For the digital virtual currency that can be converted into the fingerprint or finger vein electronic algorithm source, the blockchain-based digital virtual currency transaction guide server 200 matches the cryptographic electronic password source and the fingerprint or finger vein electronic algorithm source. Determining whether there is a request to convert a donor of the virtual currency into a recipient by means of an authentication signal of a fingerprint or a finger vein, and converting the fingerprint or finger vein authentication information of the donor-receiver to convert its information (S210a); Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. A transaction authentication step (S210) for authenticating a transaction by authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a blockchain according to the authentication; It is a transaction method of digital virtual currency that transmits digital virtual currency in connection with biometric authentication signal.

The present invention is a blockchain (Crypto-Currency) transaction method consisting of a donor terminal 300 and a beneficiary terminal 400 without a subject to issue a currency in a block chain structure that collects and encrypts transmission records made in a network. First, the presenter terminal 300 is installed according to the donor's choice, the presenter-side blockchain-based digital virtual currency transaction app 310 or the hybrid web running app or web execution step (S110); The donor terminal 300 outputs the blockchain-based digital virtual currency transaction screen 510 stored and managed through the executed donor-side blockchain-based digital virtual currency transaction app 310 through the information output unit 301. An information output unit display step of controlling the display (S120); At this time, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of virtual currency associated with the global matching program 340a, is converted in the global matching program 340a, and the iris / face algorithm 415b. The electronic algorithm source 416 provided by is converted in the general matching program 340a, and they are fused by the electronic cryptographic source of the virtual currency and the electronic algorithm source of the iris / face by the matching program 344 to transmit the cryptocurrency. At the same time as the basic unit to be able to trade, the electronic algorithm source 416 of the donor's iris or face is converted into the electronic algorithm source of the iris or face of the recipient by the blockchain-based digital virtual currency transaction guide server 200 Iris or face authentication information matching determination step (S130a) for determining whether the presenter terminal 300 matches the electronic cryptographic source of the virtual currency and the electronic algorithm source of the iris for the digital virtual currency to be enabled; It is a transaction method of a digital virtual currency that transmits the digital virtual currency by compensation insurance in connection with a biometric authentication signal.

And, the feature of the present invention, after the iris or face authentication information matching determination step (S130a), the blockchain-based digital virtual currency transaction guide server 200 determines whether the presenter has a compensation insurance that compensates for damages in case of a defect in a transaction. Judgment on whether to purchase compensation insurance (S130b); At this time, if the compensation insurance is not subscribed, the insurance subscription fulfillment step (S130c) to brighten the “insurance procedure” according to the insurance coverage terms; Subsequently, the presenter terminal 300 displays the amount of money displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301, 511, instant messenger selection box 512, and text input field 513 ), When the transfer menu 514 is clicked while being input in accordance with the input form, it is entered through the blockchain-based digital virtual currency transaction screen 510 through the donor-side blockchain-based digital virtual currency transaction app 310. Blockchain-based digital that collects the amount information of digital virtual currency, selected IM identification information, and personal information of the donor that is stored and managed to generate a transaction request signal for the donor and transmits it to the blockchain-based digital virtual currency transaction guide server 200 Virtual currency transaction guide transmission step (S130); Thereafter, when the transaction request signal for a donor is transmitted from the presenter terminal 300, the blockchain-based digital virtual currency transaction guide server 200 receives the presenter's personal information included in the presenter's transaction request signal, member list information DB 211 Matching with and, after confirming membership, generate a URL (A) for recognition of a beneficiary that guides a digital virtual currency having a blockchain to recognize a beneficiary, and transmits it to the presenter terminal 300. (A) transmission step (S140); Subsequently, the presenter terminal 300 selects IM when a URL (A) for recognition of a recipient is transmitted from the blockchain-based digital virtual currency transaction guide server 200 through the presenter-side blockchain-based digital virtual currency transaction app 310. When the presenter's instant messenger corresponding to the identification information is controlled to be automatically executed, the URL display guide screen for the donor's instant messenger is displayed on the presenter's instant messenger instant messenger URL. 301) URL display guide screen output step for presenter-side instant messenger to be controlled to be output through (S150); Thereafter, when the presenter terminal 300 designates a recipient messenger account of the instant messenger requesting the delivery of the URL (A) for the donor recognition through the presenter-side instant messenger, through the donor-side instant messenger designation screen, the recipient Biometric authentication of digital cryptocurrency by compensation insurance, comprising; a step (S160) of sending a URL (A) for recognizing a recipient to transmit a URL (A) for recognizing the recipient to the recipient terminal 400 corresponding to the account; It is a transaction method of digital virtual currency that is transmitted in connection with a signal.

In addition, the feature of the present invention, the recipient terminal 400, the URL for the recipient's instant messenger recognition URL (A) transmitted through the instant messenger on the recipient's side URL display screen for the instant messenger, the information output unit 401 URL display guide screen output step for the recipient's instant messenger to be controlled to be output through (S170); At this time, when the recipient terminal 400 clicks the URL (A) for recognition of the recipient displayed on the instant messenger on the recipient's side, in conjunction with this, the application automatic execution step of automatically running the blockchain-based digital virtual currency transaction app 410 (S180); The blockchain-based digital virtual currency transaction app 410, in which the terminal 400 is automatically executed, generates a new history signal for authentication of a recipient including information about the recipient of the digital virtual currency with the blockchain. And a digital virtual currency transaction guide transmission step (S190) of transmitting the digital virtual currency transaction guide server 200 to the digital virtual currency transaction guide server 200 in connection with a biometric authentication signal. It is a currency trading method.

And, the feature of the present invention, at this time, passes the new history signal transmission step for authentication of the recipient (S190). The block chain-based digital virtual currency transaction guide server 200 determines whether or not the beneficiary has a compensation insurance that compensates for compensation for damages in case of a defect in the transaction (S190a); At this time, if the compensation insurance is not subscribed to, the insurance subscription fulfillment step (S190b) to brighten the 'insurance procedure' according to the insurance coverage terms and conditions; Thereafter, the blockchain-based digital virtual currency transaction guide server 200 displays an insurance premium calculation step of displaying the premium based on the transaction amount and transaction amount of the virtual currency on the donor terminal 300 and the recipient terminal 400 on the screen ( S190c); Thereafter, the blockchain-based digital virtual currency transaction guide server 200 determines whether the presenter or the beneficiary will pay the insurance premium based on the transaction amount and the transaction amount of the virtual currency to the presenter terminal 300 and the beneficiary terminal 400. It is a transaction method of digital virtual currency that transmits the digital virtual currency by compensation insurance in connection with a biometric authentication signal, characterized in that it comprises;

And, the feature of the present invention, when the blockchain-based digital virtual currency transaction guide server 200, when the credential authentication signal is transmitted from the credential terminal 400, the credential included in the credential history signal for the credential authentication After matching the personal information with the member list information DB 211, after confirming that the beneficiary is a member, the electronic wallet list information DB 212 attempts to present the money to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information. After deducting the amount by amount, accumulating the amount of the deducted amount into the blockchain-based digital virtual currency amount information stored in the beneficiary's e-wallet information, and based on this, generate transaction information for the digital virtual currency transaction with the blockchain and hold it in the designated blockchain A transaction method for transmitting digital virtual currency to the servers 100 (S200) for transmitting the transaction information for digital virtual currency. to be.

And, the feature of the present invention, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of the virtual currency associated with the global matching program 340a, is converted in the global matching program 340a. The electronic algorithm source 416 provided by the iris / face algorithm 415b is converted by the general matching program 340a, and these are matched by the matching program 344 to the cryptographic electronic crypto source and the iris / face electronic algorithm source. And the electronic algorithm source 416 of the donor's iris or face can be transacted as a basic unit of virtual currency transmission, and the iris or face of the recipient by the blockchain-based digital virtual currency transaction guide server 200. For digital cryptocurrency that can be converted into the source of the electronic algorithm, the blockchain-based digital cryptocurrency transaction guide server 200 displays the electronic cryptographic source of the virtual currency (the "file name" or the "node" of the virtual currency). And donor-donor of the donor-recipient to determine whether there is a request to convert the donor of the virtual currency matched with the electronic algorithm source of the iris or face to a recipient by the iris or face authentication signal, or to convert the information thereof. Face authentication information conversion step (S210b); Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. A transaction authentication step (S210) for authenticating a transaction by authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a blockchain according to the authentication; It is a transaction method of digital virtual currency that transmits digital virtual currency in connection with biometric authentication signal.

And, the feature of the present invention is that the blockchain-based digital virtual currency transaction app 310 divides any one of a fingerprint, a finger vein, an iris, and a face image into each pixel, and each pixel is a fingerprint, finger vein, iris, and It transmits fingerprint, finger vein, iris and face information data based on binary data output as digital electric signals according to the presence or absence of a face pattern in conjunction with a biometric authentication signal. It is a method of trading digital cryptocurrency.

As described above, an object of the present invention is to create a transaction method of a digital virtual currency that transmits a digital virtual currency in connection with a biometric authentication signal, thereby creating a digital virtual currency without a master through a means of authentication. There is an effect that can be compensated by compensation insurance in the case of the loss of the cryptocurrency due to hacking and the loss of the private key corresponding to the public address (Publicaddress) and password of the transaction system. .

The present invention is a transaction method of a digital virtual currency that transmits a digital virtual currency in connection with a biometric authentication signal, which corresponds to a unique address of a digital virtual currency transaction system having a blockchain between parties, that is, a public address and a password. Even if the private key is lost, the virtual currency is matched with the biometric information and transmitted, or when the authentication signal based on the biometric information is not input, the transaction request signal for the donor is not transmitted, or the block on the recipient side This prevents the chain-based digital virtual currency trading app from being automatically executed, which has a great effect on the security and hacking prevention of Bitcoin (the same concept as virtual currency).

In addition, the fingerprint conversion device of the present invention can bring the effect of interlocking with other digital electrical signals by converting the ridges and furrows of the fingerprints into binary data output as digital electrical signals when the fingerprint is touched. .

In addition, the finger vein converter of the present invention is a digital electric signal for each block according to the presence or absence of a divided capillary image by dividing the image screen into a matrix block of the capillary image of a finger obtained through a pre-processing unit that visualizes the image of the capillaries. By converting by the binary data output to, it can bring an effect that can be interlocked with other digital electrical signals.

Moreover, the iris converter of the present invention divides one iris image into each pixel and converts each pixel by binary data output as a digital electrical signal according to the presence or absence of an iris pattern, so that it can be interlocked with other digital electrical signals. It can bring effect.

In addition, the face converting apparatus of the present invention is divided by each pixel according to the normalization of the face image by the feature points of the eye position and surrounding details for one face image, and converted by binary data output as a digital electric signal, It can bring an effect that can be linked with other digital electrical signals.

1 is an overall configuration diagram showing a transaction system of a digital virtual currency having a blockchain between parties of the prior invention,
FIG. 2 is a block diagram showing a DB unit mounted on a blockchain-based digital virtual currency transaction guide server among components constituting a transaction system of a digital virtual currency having a blockchain between parties of the present invention;
Figure 3a is a diagram showing a blockchain-based digital virtual currency transaction screen that is stored in the presenter terminal among the components constituting the transaction system of the digital virtual currency having the blockchain between the parties of the prior invention,
Figure 3b is the present invention on the presenter's instant messenger with the URL for the recognition of the recipient during the transaction process of the digital virtual currency with the blockchain between the parties using the transaction system of the digital virtual currency with the blockchain between the parties of the present invention A drawing showing the URL display guide screen for the displayed instant messenger side,
Figure 3c is a presenter side to select a presenter on the presenter side instant messenger mounted on the presenter terminal during the transaction process of the digital virtual currency having a blockchain between the parties by using the transaction system of a digital virtual currency having a blockchain between the parties of the present invention Drawing showing the donor designation screen for instant messengers,
3d is a URL for recognition of a recipient on the instant messenger on the recipient side mounted on the recipient terminal during the transaction process of the digital virtual currency with the blockchain between the parties using the transaction system of the digital virtual currency with the blockchain between the parties of the present invention. Drawing showing the URL display guide screen for the instant messenger on the recipient's side,
Figure 3e is a digital virtual currency having a blockchain between the parties of the present invention using the transaction system of a digital virtual currency having a blockchain between the parties, the recipient will block the blockchain on the instant messenger mounted on the presenter terminal A drawing showing the payment confirmation guide screen for the instant messenger on the donor side that indicates that the digital virtual currency is received.
Figure 3f is an electronic wallet of the recipient on the instant messenger on the recipient side mounted on the recipient terminal during the transaction process of the digital virtual currency with the blockchain between the parties using the transaction system of the digital virtual currency with the blockchain between the parties of the prior invention A diagram showing a cumulative storage guide screen for a recipient's instant messenger that guides that the digital virtual currency with a blockchain sent by a presenter is accumulated and stored.
Figure 4 is a flow chart showing that the transaction process of a digital virtual currency having a blockchain between the parties using the transaction system of a digital virtual currency having a blockchain between the parties of the prior invention.
FIG. 5 is a block diagram showing a transaction process of a digital virtual currency having a blockchain between parties using the transaction system of a digital virtual currency having a blockchain between the parties of the present invention.
Figure 6 is a flow chart showing that the transaction process of a digital virtual currency having a blockchain between the parties using the transaction system of a digital virtual currency having a blockchain between the parties of the present invention.
7 is a flow chart (a) of the first half showing that the transaction process of the digital virtual currency with the blockchain between the parties subject to insurance coverage when using the transaction system of the digital virtual currency with the blockchain between the parties of the present invention .
Figure 8 is a flow chart (b) of the latter part showing that the transaction process of the digital virtual currency with the blockchain between the parties subject to insurance coverage when using the transaction system of the digital virtual currency with the blockchain between the parties of the present invention .
9 is a diagram conceptually showing an image acquisition mechanism of finger vein and finger fingerprint of an authentication device according to an embodiment of the present invention.
10 is a view showing an example of the internal electronic configuration of the authentication device of the present invention.
Fig. 11 shows the finger fingerprint surface (a) and the finger side surface (b) of the same finger photographed by the finger vein image sensor and the finger fingerprint image sensor.
12 is a view showing an input / output integrated module that interlocks an algorithm of a fingerprint and a finger vein.
13 is a flowchart for requesting registration of a fingerprint and a finger vein.
14 is a schematic perspective view of a mouse authenticated by fingerprint 1, fingerprint 2 and finger vein applied to the present invention.
15 is an exemplary configuration of a fingerprint or / and finger vein photographing authentication device according to an embodiment applied in the present invention
FIG. 16 is a block diagram illustrating a transaction process of a digital virtual currency having a blockchain between parties using the transaction system of a digital virtual currency having a blockchain between the parties of the present invention.
FIG. 17 is a flow chart illustrating the process of performing a transaction process of a digital virtual currency having a blockchain between parties using the transaction system of a digital virtual currency having a blockchain between the parties of the present invention.
18 is a flow chart (a) of the first half showing that the transaction process of the digital virtual currency with the blockchain between the parties subject to insurance coverage when using the transaction system of the digital virtual currency with the blockchain between the parties of the present invention .
FIG. 19 is a flowchart of the second half of the first half (b) of performing the transaction process of the digital virtual currency with the blockchain between the parties subject to insurance coverage when using the transaction system of the digital virtual currency with the blockchain between the parties of the present invention (b )to be.
20 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and the digital processing circuit of the first conventional fingerprint invention applied to the present invention are applied.
21 is a block diagram showing a configuration of a single-chip fingerprint recognition device according to a conventional second fingerprint invention applied to the present invention.
22 is a block diagram showing a single chip implementation of a conventional fingerprint recognition device using the second fingerprint invention applied to the present invention.
23 is an exemplary diagram for comparing fingerprint recognition using a specific point of a fingerprint by a conventional third fingerprint invention applied to the present invention
24 is a flowchart illustrating an operation process of a biometric security device according to an embodiment of the conventional finger vein invention applied to the present invention,
25 is a view showing to explain the reference point setting of the effective site when taking capillaries of the conventional finger vein invention applied to the present invention,
26 is a view illustrating a process of segmenting and binarizing an image of a preprocessing unit of a conventional finger vein invention applied to the present invention.
27 is a block diagram showing an iris recognition apparatus using a short-range iris camera according to an embodiment of the conventional iris invention applied to the present invention.
28 is a flowchart for explaining an iris recognition method using a short-range iris camera according to an embodiment of the conventional iris invention applied to the present invention.
29 is a view for explaining a method of normalizing to binary data in an iris recognition method using a camera for photographing a short distance iris according to an embodiment of the conventional iris invention applied to the present invention.
30 is an explanatory diagram of the muscle structure of the eye of the conventional face invention applied to the present invention.
31 is a simplified configuration diagram of a face image of a conventional face invention applied to the present invention.
32 is an external view of a vein pattern input device that is an embodiment of a conventional invention applied to the present invention.
Fig. 33 is a sectional view of Fig. 32 applied to the present invention.

Hereinafter, the present invention will be described in detail so that those skilled in the art can easily understand and reproduce it through preferred embodiments of the present invention described with reference to the accompanying drawings.

Since the term “or” may include the meaning of the use together with the meaning of each use, sometimes the term E includes the concept of “or / and”.

First, in order to help understanding of the technical contents of the present invention, the presenter related to FIG. 1 will be described in detail with respect to the presenter terminal 300 and the recipient terminal 400, which are the technical contents that form the basis of the present invention.

The presenter terminal 300 generates a transaction request signal for a presenter including the amount information of the digital virtual currency having the blockchain to be presented and the personal information of the presenter, and transmits it to the digital virtual currency transaction guide server 200, , The presenter-side blockchain-based digital virtual currency transaction app 310 that guides the user to designate and transmit the beneficiary who wants to pass the URL (A) for recognizing the beneficiary transmitted from the digital virtual currency transaction guide server 200 This is a mounted terminal member.

Here, the presenter-side blockchain-based digital virtual currency transaction app 310 is an application program, accessed by the app store through the presenter terminal 300 to be downloaded or downloaded, or to the aforementioned blockchain-based digital virtual currency transaction guide server 200. You can directly download, install, and use it.

A hybrid web can be used instead of the app 310, and the hybrid web is activated to access or transmit information there.

In addition, the presenter terminal 300 is a keypad that generates a user input signal for controlling or operating the presenter terminal 300 according to the user's operation to operate the presenter-side blockchain-based digital virtual currency transaction app 310. Information storage unit, information storage unit that stores data such as personal information of a donor, which will be described later, or a dedicated program, the blockchain-based digital virtual currency transaction app 310, a blockchain-based digital virtual currency transaction screen, which will be described later. It consists of an information output unit 301 through which multimedia information such as 510 is output, and a control unit that performs overall operation control of the presenter terminal 300, and is only shown in the information output unit 301 to clearly limit the present invention. The reference number is specified, and the reference number is also specified only on the information output unit 401 in the terminal 400 described later.

The presenter terminal 300 performing such a function includes palmtops, personal digital assistants (PDAs), communication terminal devices such as smartphones with Internet access, portable multimedia players (PMP), or UMPC (Ultra) -It can be applied to various terminals such as mobile PC) and MID (Mobile Internet Device), which is equally applicable to the recipient terminal 400 described later.

The beneficiary terminal 400 is automatically executed when a URL (A) for recognizing a beneficiary is transmitted from the donor terminal 300 to which the beneficiary recognition URL (A) is transmitted, and the recipient of the digital virtual currency having a blockchain is presented. It is a terminal member equipped with a blockchain-based digital virtual currency transaction app 410 that generates a new history signal for authentication of a recipient including personal information and controls it to be transmitted to the digital virtual currency transaction guide server 200. .

Here, the presenter-side blockchain-based digital virtual currency transaction app 310 and the recipient-side blockchain-based digital virtual currency transaction app 410 are the same app, and the prefixes of the presenter side and the beneficiary side are attached for clarity. .

In addition, the presenter terminal 300 and the recipient terminal 400 are preferably provided as an instant messenger (IM) base so that the recipient can easily select a presenter who wants to give a digital virtual currency having a blockchain.

To this end, a presenter-side instant messenger is mounted on the presenter terminal 300, and an instant messenger-side instant messenger is mounted on the recipient terminal 400.

As described above, the presenter-side instant messenger and the recipient-side instant messenger are the same instant messenger, and for clarity, the prefixes of the presenter side and the recipient side are attached here.

Through this, the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300 collects and transmits selected IM identification information identifying the presenter-side instant messenger designated by the presenter to the presenter request signal for transaction. , When the URL (A) for recognition of a recipient is transmitted from the digital virtual currency transaction guide server 200, the presenter's instant messenger designated by the presenter is controlled to be automatically executed, and the presenter's instant messenger is recognized by the presenter's instant messenger. URL (A) is controlled to be output, and the presenter-side instant messenger designates the recipient account of the instant messenger requesting delivery of the URL (A) for recognition of the recipient, and the recipient terminal 400 corresponding to the recipient account ).

In addition, the instant messenger on the recipient side of the recipient terminal 400 controls the URL (A) for the transmitted recipient recognition to be output, and the blockchain-based digital virtual currency transaction app 410 of the recipient terminal 400 is When the recipient clicks the URL (A) for recognition of the recipient displayed on the instant messenger on the recipient's side, it is automatically executed and is programmed to generate a new history signal for authentication of the recipient and transmit it to the digital virtual currency transaction guide server 200.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 5, 6, 7, and 8 attached.

FIG. 5 is a block diagram showing a transaction process of a digital virtual currency having a blockchain between parties using the transaction system of a digital virtual currency having a blockchain between the parties of the present invention, and FIG. 6 is a diagram of the present invention. It is a flow chart showing a process of trading a digital virtual currency having a blockchain between parties using a transaction system of a digital virtual currency having a blockchain, and FIG. 7 is a transaction of a digital virtual currency having a blockchain between the parties of the present invention When using the system is a flow chart (a) of the first half showing that the transaction process of a digital virtual currency having a blockchain between the parties subject to insurance subscription, Figure 8 is a digital virtual currency having a blockchain between the parties of the present invention It is a flow chart (b) in the second half that shows that the transaction process of digital virtual currency with a blockchain between parties subject to insurance subscription when using the transaction system.

The general matching program 340a in the block diagram showing that the transaction process of the digital virtual currency having the blockchain is performed between the parties using the transaction system of the digital virtual currency having the blockchain between the parties in FIG. The electronic cryptographic source 316 provided in the first file 315a which is the basic unit of the virtual currency to be linked is converted in the general matching program 340a, and the electronic algorithm source 416 provided in the fingerprint / point finger vein algorithm 415 ) Is converted in the general matching program 340a, so that they can be fused by the matching program 344 to be able to trade as a basic unit of transmission.

Reference numerals 315b and 315c denote the number of second and third files of the virtual currency following the first file, which is the basic unit of the virtual currency.

Of course, in order to transfer large quantities, it is desirable to create and operate a program of a batch payment method.

In FIG. 6, the same procedure as that shown in the conventional transmission method is used as it is, and thus, it is described as an essential component of the present invention.

In the sign display, signs having the same technical content as the prior art are used in the same way.

First, when the presenter terminal 300 executes the presenter-side blockchain-based digital virtual currency transaction app 310 according to the choice of the presenter (S110), the executed presenter-side blockchain-based digital virtual currency transaction app The 310 controls the blockchain-based digital virtual currency transaction screen 510 stored and managed to be output and displayed (S120) through the information output unit 301 of the presenter terminal 300.

At this time, whether to match the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) and the electronic algorithm source of the fingerprint or finger vein to prevent exposure of all information. It is requested by the fingerprint or / and finger vein authentication means, where it is determined whether the virtual currency matches the fingerprint or / and finger vein authentication information (S130a).

If the above conditions are not satisfied, the transaction is terminated, and thereafter, the presenter terminal 300 displays the amount of money displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 (511 ), When the messenger selection box 512 and the text input field 513 are inputted according to the input form and click the transfer menu 514, the donor-side blockchain-based digital virtual currency transaction app 310 blocks The transaction request signal for the donor is generated by combining the amount information of the digital virtual currency entered through the chain-based digital virtual currency transaction screen 510, the selection IM identification information, and the personal information of the donor stored and managed, and this is a blockchain-based digital virtual It is transmitted to the currency transaction information server 200 (S130).

Thereafter, when the transaction request signal for a donor is transmitted from the presenter terminal 300, the blockchain-based digital virtual currency transaction guide server 200 receives the presenter's personal information included in the presenter's transaction request signal, member list information DB 211 Matching with, after confirming that it is a member, generates a URL (A) for recognizing a beneficiary who guides a digital virtual currency having a blockchain to recognize a donor, and transmits it to the presenter terminal 300 (S140).

Subsequently, the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300 transmits the recipient recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, and identifies the selected IM When the presenter-side instant messenger corresponding to the information is controlled to be automatically executed, the URL display guide screen for the presenter-side instant messenger (see FIG. 3B) is displayed in which the URL (A) for recognition of a recipient is inserted into the automatically executed donor side instant messenger. Control to be output through the information output unit 301 (S150).

Thereafter, the presenter-side instant messenger of the presenter terminal 300 designates the recipient account of the instant messenger for which the presenter requests delivery of the URL (A) for recognizing the recipient through the donor-side instant messenger designation guide screen (see FIG. 3C). If so, the URL (A) for recognition of the recipient is transmitted to the recipient terminal 400 corresponding to the recipient account (S160).

Subsequently, the instant messenger side of the recipient terminal 400 displays the URL display guide screen for the instant messenger side instant messenger (see FIG. 3D) in which the transmitted URL (A) for recognizing the recipient is inserted and output through the information output unit 401 ( S170).

Thereafter, when the URL (A) for recognizing the recipient displayed on the instant messenger on the recipient side of the recipient terminal 400 is clicked, the blockchain-based digital virtual currency transaction app 410 is automatically executed in conjunction with this (S180). .

The blockchain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a new personal information signal for authentication of a beneficiary, which includes personal information of a beneficiary receiving a digital virtual currency having a blockchain, and This is controlled to be transmitted to the digital virtual currency transaction guide server 200 (S190).

Subsequently, when the blockchain-based digital virtual currency transaction guide server 200 transmits a credential identification signal from the credential terminal 400, the credential identification information included in the credential authentication credential signal is registered as a member list information DB. After matching with (211), after confirming that the beneficiary is a member, the electronic wallet list information DB 212 deducts the amount of the blockchain-based digital virtual currency amount stored in the donor's electronic wallet information by the amount to be presented to the beneficiary. After accumulating the amount of money on the blockchain-based digital virtual currency stored in the e-wallet information of the beneficiary, the transaction information for the digital virtual currency transaction with the blockchain is generated based on this, to the designated blockchain holding servers 100 Send (S200).

At this time, the blockchain-based digital virtual currency transaction guide server 200 includes the electronic cryptographic source of the virtual currency (including the “file name” or the “node” of the virtual currency) and the electronic algorithm source of the fingerprint or finger vein. It is determined whether there is a request to convert the donor of the matched cryptocurrency into a recipient by means of an authentication signal of a fingerprint or a finger vein, and a step of converting the fingerprint or finger vein authentication information (S210a) of the donor-recipient that converts the information thereof do.

Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. The virtual currency transaction is authenticated, and the transaction information for the digital virtual currency transaction having the blockchain is recorded according to the authentication (S210), thereby performing authentication of the transaction.

Thereafter, the blockchain-based digital virtual currency transaction guide server 200 transmits a message to the presenter that the digital virtual currency having the blockchain is paid to the recipient.

Subsequently, when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200 to the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300, the presenter side corresponding to the selected IM identification information In a state in which the instant messenger is controlled to be automatically executed, the payment confirmation guide screen for the donor-side instant messenger (see FIG. 3E) in which a message is inserted and displayed in the auto-executed donor-side instant messenger is controlled to be output through the information output unit 301. .

In addition, the app 410 for a blockchain-based digital virtual currency transaction on the beneficiary side of the beneficiary terminal 400 is automatically executed when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200. In a controlled state, a control message is displayed so that a cumulative storage guide screen for a recipient's instant messenger (see FIG. 3F) in which a message is inserted and displayed on the automatically executed recipient's instant messenger is displayed through the information output unit 401.

Another bitcoin (the same concept as virtual currency), Bitcoin (Crypto-Currency), which is a cryptocurrency without the subject of the issuance, is a blockchain structure that collects and encrypts transmission records made in the network. In the transaction method of the same concept as currency, Bitcoin (the same concept as virtual currency) is executed by authenticating the transaction of Bitcoin (the same concept as virtual currency) by executing a program mounted on a computer constituting the Bitcoin (the same concept as virtual currency) network. Mining and obtaining the same concept as virtual currency); This is a program executed by a computer.Bitcoin (same concept as virtual currency) for the trading of bitcoin (same concept as virtual currency) is a cryptocurrency exchange when trading by executing a program installed on the computer. Generating a member's exchange web wallet address on the cryptocurrency exchange server by executing a member server loaded with a program provided by the server or a program mounted on a member computer; Bitcoin (same concept as virtual currency) through a cryptocurrency exchange server equipped with a database (DB) that stores the transaction history of Bitcoin (same concept as virtual currency) traded by executing a program mounted on a member server or a member computer Generating an address of an exchange general wallet for a cryptocurrency exchange server; And generating a member's exchange address stored in the cryptocurrency exchange server in order to trade bitcoin (the same concept as virtual currency) by executing a program mounted on a member server or a member computer.

At this time, before transmitting the bitcoin (the same concept as virtual currency), the biometric authentication of the donor is requested by the fingerprint or / and finger vein authentication means for authentication, and here, it is determined whether the fingerprint or / and finger vein authentication is performed. To do; At this time, whether the electronic cryptographic source of the virtual currency (including the “file name” or the “node” of the virtual currency) is matched with the electronic algorithm source of the fingerprint or the finger vein is fingerprint or / and the finger vein authentication means. It is requested by, wherein the step of determining whether the virtual currency matches the fingerprint or finger vein authentication information; Generated on the cryptocurrency exchange server from the member's exchange web wallet address created on the cryptocurrency exchange server in order to quickly process the Bitcoin (the same concept as virtual currency) transaction by executing the program mounted on the member server or the member computer. Transmitting bitcoin (the same concept as virtual currency) to the exchange general wallet address; Sending bitcoin (same concept as virtual currency) from the web wallet address of the member's own exchange created on the cryptocurrency exchange server to the general wallet address of the exchange created on the exchange server while the program installed on the cryptocurrency exchange server is running. And confirming.

At this time, when it is confirmed that the transmission of the bitcoin (the same concept as the virtual currency) has been performed, the program installed on the cryptocurrency exchange server is executed and the address of the member's exchange stored is not the actual bitcoin (the same concept as the virtual currency). Depositing and processing bitcoin (the same concept as virtual currency) by changing the numerical value on the database mounted on the cryptocurrency exchange server; And bitcoin (virtualization), including the step of offsetting the prepaid portion without depositing the member's database when the transaction of the bitcoin (the same concept as virtual currency) is completed due to the numerical change on the database mounted on the cryptocurrency exchange server. Same concept as currency).

At this time, if necessary, the fingerprint or designation of the virtual cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) of the virtual currency and the electronic algorithm source of the fingerprint or designated vein. It is possible to determine whether or not there is a request to convert to a recipient by the authentication signal of the Mac, and to perform the step of converting the fingerprint or finger vein authentication information of the donor-recipient to convert the information.

In FIGS. 7 and 8, the same procedure as that shown in the conventional transmission method is used as it is, so it will be described as an essential component of the present invention.

In the sign display, signs having the same technical content as the prior art are used in the same way.

First, when the presenter terminal 300 executes the presenter-side blockchain-based digital virtual currency transaction app 310 according to the choice of the presenter (S110), the executed presenter-side blockchain-based digital virtual currency transaction app The 310 controls the blockchain-based digital virtual currency transaction screen 510 stored and managed to be output and displayed (S120) through the information output unit 301 of the presenter terminal 300.

At this time, whether to match the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) and the electronic algorithm source of the fingerprint or finger vein to prevent exposure of all information. It is requested by the fingerprint or / and finger vein authentication means, where it is determined whether the virtual currency matches the fingerprint or / and finger vein authentication information (S130a).

After the fingerprint or finger vein authentication information matching determination step (S130a), the blockchain-based digital virtual currency transaction guide server 200 determines whether or not the compensation insurance is signed to determine whether the donor has purchased compensation insurance that compensates for damages in the event of a transaction defect. (S130c).

At this time, if the above-mentioned compensation insurance is not subscribed, the insurance subscription process implementation step to reveal the 'insurance procedure' in accordance with the insurance coverage terms (in the case of insurance premiums, the calculation standard is determined for the transaction amount or amount of cryptocurrency) (S130d) is performed.

If the above conditions are not satisfied, the transaction is restarted, and afterwards, the presenter terminal 300 displays the amount of money displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 ( 511), the instant messenger selection box (512) and text input field (513) in the state entered according to the input form, click the transfer menu (514), donor side blockchain-based digital cryptocurrency trading app (310) Blockchain-based digital virtual currency transaction screen 510 combines the amount of digital virtual money input, selected IM identification information, and the personal information of the donor that is stored and managed to generate a transaction request signal for the donor and uses it to create a blockchain-based digital It is transmitted to the virtual currency transaction guide server 200 (S130).

Thereafter, when the transaction request signal for a donor is transmitted from the presenter terminal 300, the blockchain-based digital virtual currency transaction guide server 200 receives the presenter's personal information included in the presenter's transaction request signal, member list information DB 211 Matching with, after confirming that it is a member, generates a URL (A) for recognizing a beneficiary who guides a digital virtual currency having a blockchain to recognize a donor, and transmits it to the presenter terminal 300 (S140).

Subsequently, the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300 transmits the recipient recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, and identifies the selected IM When the presenter-side instant messenger corresponding to the information is controlled to be automatically executed, the URL display guide screen for the presenter-side instant messenger (see FIG. 3B) is displayed in which the URL (A) for recognition of a recipient is inserted into the automatically executed donor side instant messenger. Control to be output through the information output unit 301 (S150).

Thereafter, the presenter-side instant messenger of the presenter terminal 300 designates the recipient account of the instant messenger for which the presenter requests delivery of the URL (A) for recognizing the recipient through the donor-side instant messenger designation guide screen (see FIG. 3C). If so, the URL (A) for recognition of the recipient is transmitted to the recipient terminal 400 corresponding to the recipient account (S160).

Subsequently, the instant messenger side of the recipient terminal 400 displays the URL display guide screen for the instant messenger side instant messenger (see FIG. 3D) in which the transmitted URL (A) for recognizing the recipient is inserted and output through the information output unit 401 ( S170).

Thereafter, when the URL (A) for recognizing the recipient displayed on the instant messenger on the recipient side of the recipient terminal 400 is clicked, the blockchain-based digital virtual currency transaction app 410 is automatically executed in conjunction with this (S180). .

The blockchain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a new personal information signal for authentication of a beneficiary, which includes personal information of a beneficiary receiving a digital virtual currency having a blockchain, and This is controlled to be transmitted to the digital virtual currency transaction guide server 200 (S190).

At this time, pass the new history signal transmission step for authentication of the recipient (S190). The block chain-based digital virtual currency transaction guide server 200 determines whether or not the insurance is insured (S190a) to determine whether the beneficiary has purchased compensation insurance to compensate for damages in the event of a defect in the transaction (S190a).

At this time, if the above-mentioned compensation insurance is not subscribed, the insurance subscription process implementation step to reveal the 'insurance procedure' in accordance with the insurance coverage terms (in the case of insurance premiums, the calculation standard is determined for the transaction amount or amount of cryptocurrency) (S190b) is performed.

If the above conditions are not satisfied, the transaction is restarted, and then, the blockchain-based digital virtual currency transaction guide server 200 trades and trades the cryptocurrency in the donor terminal 300 and the beneficiary terminal 400. An insurance premium calculation step of displaying the premium based on the amount of money on the screen is performed (S190c).

Thereafter, the blockchain-based digital virtual currency transaction guide server 200 is an insurance premium (hereinafter referred to as 'virtual currency insurance premium') based on the transaction amount and transaction amount of the virtual currency in the donor terminal 300 and the recipient terminal 400. ) Performs the insurance payment judgment step (S190d), which determines whether the donor or the beneficiary pays (the payment method (payer) of such cryptocurrency insurance premiums is determined by the 'insurance policy').

Subsequently, when the blockchain-based digital virtual currency transaction guide server 200 transmits a credential identification signal from the credential terminal 400, the credential identification information included in the credential authentication credential signal is registered as a member list information DB. After matching with (211), after confirming that the beneficiary is a member, the electronic wallet list information DB 212 deducts the amount of the blockchain-based digital virtual currency amount stored in the donor's electronic wallet information by the amount to be presented to the beneficiary. After accumulating the amount of money on the blockchain-based digital virtual currency stored in the e-wallet information of the beneficiary, the transaction information for the digital virtual currency transaction with the blockchain is generated based on this, to the designated blockchain holding servers 100 Send (S200).

At this time, the blockchain-based digital virtual currency transaction guide server 200 includes the electronic cryptographic source of the virtual currency (including the “file name” or the “node” of the virtual currency) and the electronic algorithm source of the fingerprint or finger vein. It is determined whether there is a request to convert the donor of the matched cryptocurrency into a recipient by means of an authentication signal of a fingerprint or a finger vein, and a step of converting the fingerprint or finger vein authentication information (S210a) of the donor-recipient that converts the information thereof do.

Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. The virtual currency transaction is authenticated, and the transaction information for the digital virtual currency transaction having the blockchain is recorded according to the authentication (S210), thereby performing authentication of the transaction.

Thereafter, the blockchain-based digital virtual currency transaction guide server 200 transmits a message to the presenter that the digital virtual currency having the blockchain is paid to the recipient.

Subsequently, when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200 to the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300, the presenter side corresponding to the selected IM identification information In a state in which the instant messenger is controlled to be automatically executed, the payment confirmation guide screen for the donor-side instant messenger (see FIG. 3E) in which a message is inserted and displayed in the auto-executed donor-side instant messenger is controlled to be output through the information output unit 301. .

In addition, the app 410 for a blockchain-based digital virtual currency transaction on the beneficiary side of the beneficiary terminal 400 is automatically executed when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200. In a controlled state, a control message is displayed so that a cumulative storage guide screen for a recipient's instant messenger (see FIG. 3F) in which a message is inserted and displayed on the automatically executed recipient's instant messenger is displayed through the information output unit 401.

As described above, when considering its technology, the characteristics of the present invention may be defined in the following manner in consideration of each characteristic in the transaction procedure of the virtual currency, and the invention may be established by a combination of these.

In a block chain structure in which transmission records made in a network are collected and encrypted, in the transaction method of crypto-Currency without the issuer of the currency, first, the presenter terminal 300 is mounted according to the choice of the presenter The presenter-side blockchain-based digital virtual currency transaction app 310 or the hybrid web app or web execution step (S110); The donor terminal 300 outputs the blockchain-based digital virtual currency transaction screen 510 stored and managed through the executed donor-side blockchain-based digital virtual currency transaction app 310 through the information output unit 301. It is a transaction method of a digital virtual currency that transmits the digital virtual currency by compensation insurance in connection with a biometric authentication signal, characterized in that it comprises; an information output unit display step of controlling the display (S120).

And, the feature of the present invention is the information output unit display step (S120) after the block chain-based digital virtual currency transaction guide server 200, the insurer is compensated to determine whether or not to purchase compensation insurance to compensate for damages in the event of a transaction Whether to judge (S120a); At this time, if the donor terminal 300 is not subscribed to the compensation insurance, it is characterized in that it comprises; an insurance subscription execution step (S120b); It is a transaction method of digital virtual currency that transmits digital virtual currency by compensation insurance.

Then, the features of the present invention, the presenter terminal 300, the amount displayed on the blockchain digital virtual currency transaction screen 510 displayed through the information output unit 301, 511, instant messenger selection box 512 And when the transfer menu 514 is clicked while the text input field 513 is entered according to the input form, the blockchain-based digital virtual currency transaction screen is displayed through the donor-side blockchain-based digital virtual currency transaction app 310 ( 510) by combining the amount information of the digital virtual currency, the selected instant messenger identification information, and the personal information of the donor that is stored and managed, generates a transaction request signal for the donor and sends it to the blockchain-based digital virtual currency transaction guide server 200 Blockchain-based digital virtual currency transaction information transmission step of transmitting (S130); Thereafter, when the block chain-based digital virtual currency transaction guide server 200 transmits a transaction request signal for a donor from the presenter terminal 300, the presenter's personal information included in the transaction request signal for the presenter is registered in the member list information DB 211 Matching with and, after confirming membership, generate a URL (A) for recognition of a beneficiary that guides a digital virtual currency having a blockchain to recognize a beneficiary, and transmits it to the presenter terminal 300. (A) transmission step (S140); is a digital virtual currency transaction method for transmitting digital cryptocurrency in connection with a biometric authentication signal by compensation insurance, characterized in that it comprises a.

Then, the feature of the present invention, the presenter terminal 300, the donor side through the blockchain-based digital virtual currency transaction app 310, the blockchain-based digital virtual currency transaction guide server 200 from the URL for recognition of the recipient (A ) Is sent, the presenter's instant messenger corresponding to the selected instant messenger identification information is automatically executed, and the presenter's instant messenger's instant messenger is marked with the URL (A) for the recipient's recognition. URL display guide screen output step for presenter-side instant messenger for controlling the display guide screen to be output through the information output unit (301) (S150); Thereafter, when the presenter terminal 300 designates a recipient messenger account of the instant messenger requesting the delivery of the URL (A) for the donor recognition through the presenter-side instant messenger, through the donor-side instant messenger designation screen, the recipient Biometric authentication of digital cryptocurrency by compensation insurance, comprising; a step (S160) of sending a URL (A) for recognizing a recipient to transmit a URL (A) for recognizing the recipient to the recipient terminal 400 corresponding to the account; It is a transaction method of digital virtual currency that is transmitted in connection with a signal.

In addition, the feature of the present invention, the recipient terminal 400, the URL for the recipient's instant messenger recognition URL (A) transmitted through the instant messenger on the recipient's side URL display screen for the instant messenger, the information output unit 401 URL display guide screen output step for the recipient's instant messenger to be controlled to be output through (S170); At this time, when the recipient terminal 400 clicks the URL (A) for recognition of the recipient displayed on the instant messenger on the recipient's side, in conjunction with this, the application automatic execution step of automatically running the blockchain-based digital virtual currency transaction app 410 (S180); is a digital virtual currency transaction method for transmitting the digital virtual currency by compensation insurance in connection with a biometric authentication signal.

And, the feature of the present invention is that the beneficiary terminal 400 is a block-based digital virtual currency transaction app 410 for automatic execution of the beneficiary terminal, including the identity information of a beneficiary who is presented with a digital virtual currency having a blockchain. A digital virtual currency transaction guide transmission step (S190) of generating a new identification history signal for authentication and transmitting it to the digital virtual currency transaction guide server 200; At this time, pass the new history signal transmission step for authentication of the recipient (S190). The block chain-based digital virtual currency transaction guide server 200 determines whether or not the beneficiary has a compensation insurance that compensates for compensation for damages in case of a defect in the transaction (S190a); At this time, if the donor terminal 300 is not subscribed to the compensation insurance, the insurance subscription fulfillment step (S190b) to brighten up the “insurance procedure” according to the insurance coverage terms; If the above conditions are not satisfied, the transaction is restarted, and then, the blockchain-based digital virtual currency transaction guide server 200 trades and trades the cryptocurrency in the donor terminal 300 and the beneficiary terminal 400. An insurance premium calculation step of displaying the premium based on the amount on the screen (S190c); Thereafter, the blockchain-based digital virtual currency transaction guide server 200 determines whether the presenter or the beneficiary will pay the insurance premium based on the transaction amount and the transaction amount of the virtual currency to the presenter terminal 300 and the beneficiary terminal 400. It is a transaction method of digital virtual currency that transmits the digital virtual currency by compensation insurance in connection with a biometric authentication signal, characterized in that it comprises;

And, the feature of the present invention, when the blockchain-based digital virtual currency transaction guide server 200, when the credential authentication signal is transmitted from the credential terminal 400, the credential included in the credential history signal for the credential authentication After matching the personal information with the member list information DB 211, after confirming that the beneficiary is a member, the electronic wallet list information DB 212 attempts to present the money to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information. After deducting the amount by amount, accumulating the amount of the deducted amount into the blockchain-based digital virtual currency amount information stored in the beneficiary's e-wallet information, and based on this, generate transaction information for the digital virtual currency transaction with the blockchain and hold it in the designated blockchain Digital cryptocurrency transaction transaction information transmission step (S200) to transmit to the server (100); Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. A transaction authentication step (S210) for authenticating a transaction by authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a blockchain according to the authentication; It is a transaction method of digital virtual currency that transmits digital virtual currency in connection with biometric authentication signal.

And, the feature of the present invention is that the blockchain-based digital virtual currency transaction app 310 divides one fingerprint or finger vein image into each pixel, and each pixel is a binary output as a digital electric signal depending on the presence or absence of a fingerprint pattern. Fingerprint or finger vein information data can be transmitted.

And, the feature of the present invention is that the blockchain-based digital virtual currency transaction app 310 divides one iris image into each pixel, and each pixel is based on binary data output as a digital electric signal depending on the presence or absence of an iris pattern. It is a transaction method of digital virtual currency that transmits digital virtual currency by compensation insurance that transmits iris information data.

And, the feature of the present invention is the block-based digital virtual currency transaction app 310 is facial information consisting of binary data determined by dividing each pixel according to the normalization of the face image by the feature points of the eye location and surrounding details. It is a transaction method of digital virtual currency that transmits digital virtual currency by compensation insurance, characterized by transmitting data.

Here, the fingerprint or / and finger vein authentication means applied to the above-described embodiment are formed as follows.

9 is a diagram conceptually showing an image acquisition mechanism of a finger vein and a finger fingerprint of an authentication device according to an embodiment of the present invention, and FIG. 10 is a view showing an example of an internal electronic configuration of the authentication device of the present invention, FIG. 11 Is a diagram showing the finger fingerprint surface (a) and the finger side surface (b) of the same finger photographed by the finger vein image sensor and the finger fingerprint image sensor.

As shown in FIG. 9, the present invention is an integrated photographing authentication device 200a capable of photographing a fingerprint and a finger vein, and the object accommodating unit 201 is a scan panel upper case 201a and its object for forming a finger seating part up and down. It is composed of a scan panel lower case (201b) for accommodating an electric field, and a scan panel 250 for simultaneously photographing fingerprints and finger vein made of transparent materials such as glass or acrylic is installed on the upper portion of the scan panel upper case (201a). In the scan panel 250, the fingerprint finger contact portion 250a and the designated finger finger non-contact portion 250b are formed while forming a front and rear end.

Finger scan unit 252 is formed at the edge of the groove side wall 251 so that the finger vein non-contact portion 250b of the scan panel 250 can be formed as a groove, so that a finger is placed around the upper end thereof. Is formed in a balance with the fingerprint finger contact portion (250a).

In addition, the temperature sensor 275 for sensing the temperature of the blood flow of the finger faces the fingerprint finger contact portion 250a of the scan panel 250, thereby forming the finger finger non-contact portion 250b in front of the finger. In the case, the finger temperature and the flow of blood flow are detected to recognize the finger vein by the detected temperature and flow.

In addition, on one side, an infrared side emitting unit case 260 accommodating the infrared side emitting unit 260a is formed to have a length so that it can be photographed from the side in order to more accurately photograph the finger vein.

The scan panel lower case 201b is formed as a space that can accommodate electrical equipment.

Then, a finger seating border 253 on which a finger can be seated is formed.

Thus, in the first embodiment of the present invention, the user starts finger vein authentication by placing a finger object on the scan panel 250, and when the vein authentication by the device is initiated, the infrared light source units 240 and 241 Infrared rays are irradiated from the lower part and the side toward the finger object.

In addition, the lower vein image sensor 230 is installed and installed in the object receiving unit 201, and photographs the vein of the object from the lower side toward the scan panel 250.

In addition, the finger vein image sensor 231 on the side is installed and installed inside the infrared side transmitter unit 260, and photographs the finger vein of the object from the side toward the scan panel 250.

In addition, the fingerprint recognition unit provides a method for forming the fingerprint recognition module 250aa to determine the fingerprint by contacting the fingerprint.

The fingerprint recognition module 250aa has a multi-layered thin plate structure, a fingerprint recognition layer is formed on the upper layer of the fingerprint authentication module, and a temperature and blood flow detection authentication layer is formed underneath to detect the temperature and blood flow of the human body. It can be formed to start its operation later.

10 is an example of an internal electronic configuration of a finger vein photographing authentication device according to an exemplary embodiment of the present invention.

The integrated shooting authentication device 200a includes an infrared light source unit 240, a finger vein image sensor 230, a finger fingerprint image sensor 220, a digital conversion unit 290, a decoding algorithm unit 260, and a male and female identification processing unit 265. , Biometric data storage 270 and a display unit 280.

Also, although not shown in the drawings, it may include a power supply unit, a communication unit, and various I / O devices.

The infrared light source unit 240 irradiates infrared light toward the object receiving unit. Preferably, it emits infrared light having a wavelength of 630 to 1,000 nm suitable for imaging a vein image, and may be composed of one or more LEDs. In addition, preferably, an optical filter may be installed to remove optical noise.

The visible light source unit 242 irradiates visible light toward the object receiving unit. By emitting ultraviolet light of a wavelength suitable for photographing a finger fingerprint on a finger surface, it may be composed of one or more LEDs.

In addition, in some embodiments of the present invention, an infrared light source unit 240 and a visible light source unit 242 for irradiating infrared light and visible light toward the object receiving unit may be respectively installed.

In another embodiment of the present invention, the infrared light source unit 240 and the visible light source unit 242 may be installed in the object accommodating unit 101 to optimize the image acquisition by evenly reaching the object with infrared light and visible light.

In a preferred embodiment of the present invention, the finger vein image sensors 230 and 231 acquire a finger vein image for one finger object from the lower part and the side part.

In another preferred embodiment of the present invention, the finger vein image sensor 230 acquires a finger vein image of a fingerprint surface and a side surface of one finger object.

As shown in Fig. 11 (a), (b), it is an angle of shooting infrared rays on the inner surface and the side of one finger, respectively.

Reference numeral 1a is a portion of a finger vein between finger nodes, 1b is a finger node, and 1c is a fingerprint portion.

When photographing the front image of a finger object, place the finger on the finger-panel surface to touch the scan panel, and take the finger as it is when shooting the side image according to the number of finger vein image sensors 230, 231, 232, 233 Make sure that the side faces the scan panel at 90 degrees to the side. The order of the finger fingerprints and the sides of the fingers may be reversed.

The digital converter 1290 receives both the finger vein image and the finger fingerprint image and extracts the finger vein and finger fingerprint images. By the digital conversion unit 1290, the present invention obtains finger vein and finger fingerprint image files.

The control unit 1210 allows the image files converted by the digital conversion unit 1290 to be transferred to the matching algorithm unit 1260.

When necessary, the male and female identification processing unit 265 functions to register the fingerprint and finger vein at the same time as "1" for male information and "2" for female information.

According to the inventor's prior application, there is a method of storing data of human body information divided into banks, men and women, and households when constructing such a server.

In addition, the biometric information data storage 1270 stores biometric information of a user stored in advance. In one embodiment of the present invention, the biometric data storage 1270 may be built in the internal memory of the authentication device.

In another embodiment of the present invention, the data storage 1270 is located in a storage outside the device and can be accessed by wired or wireless communication.

The biometric data storage 1270 may use a crypto-processor that can be protected from external hardware, software attacks, or theft.

The matching algorithm unit 1260 acquires data of the user stored in the biometric data storage 1270, and then determines whether or not it matches the user biometric information value obtained by the digital conversion unit 1290. If they match, a success message may be output through the display unit 1280. If decryption fails, an authentication failure message may be displayed on the display unit 1280.

The control unit 1210 controls the operation and function of the authentication device.

In particular, it determines the vein image acquisition, processing, authentication operation and authentication result. Various software can be used for processing and calculating the acquired vein image.

For example, a Canny edge detector algorithm can be used. By applying a Gaussian filter, noise in the original image can be entirely eliminated. Corner the image through the Image Gradient. That is, the sketch line of the image is extracted. Thin edges (sketch lines) are applied by applying non-maximum suppression, and dark edges are classified as obvious edges and double edges are classified as weak edges by applying double thresholds. . And finally, the weak edges are deleted, only the obvious edges are left, and finally the edged image of the vein is output.

The integrated module that links the fingerprint and the finger vein algorithm to implement this can be described as follows.

12 is a view showing an input / output integrated module that interlocks an algorithm of a fingerprint and a finger vein.

As shown in FIG. 12, the input / output integration module U1 that simultaneously interlocks the fingerprint and the finger vein algorithm consists of the fingerprint module U2, the finger vein module U3, and the conversion module U4.

First, the fingerprint module U2 will be described.

The GND line 1 of the fingerprint module (U2) serves as a reference for the (-) voltage circuit, functions as a 0V ground, and the RX line 2 serves as a serial data reception port, controlling the fingerprint module, and TX 3 The line is a serial data transmission port, which reads the status of the fingerprint module, and the VCC line 4 is a + 5V voltage input function based on the (+) voltage of the power supply circuit. When a fingerprint is scanned and compared to a previously stored image, if there is a person of the same fingerprint image, the registered authentication code of the person is output through serial communication (232 communication is applied as an example here).

Here, 232 communication refers to a serial communication standard.

The following describes the finger vein module (U3).

The GND line 1 of the finger vein module (U3) is a reference for (-) voltage, and functions as a 0V ground, and line A 2 is a serial communication standard RS485 communication A port, which functions for data reception and transmission, and B Line 3 is a serial communication standard RS485 communication B port, which functions to receive and transmit data, and VCC line 4 is a + 5V voltage input function based on the (+) voltage of the power supply circuit. After passing a finger through an infrared LED, a vein is scanned from the camera image sensor and compared with a previously stored vein image. If there is a person of the same image, the registered authentication code of the person is serial communication (in this example, 485 communication is applied). Output as

Here, 485 communication refers to a serial communication standard.

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

The GND line 1 on the left side of the conversion module (U4) serves as a reference for (-) voltage, and functions as a 0V ground, and line A 2 is a serial communication standard RS485 communication A port, receiving and transmitting data, and B Line 3 is a serial communication standard RS485 communication B port, which functions to receive and transmit data, and VCC line 4 is to input + 5V voltage based on (+) voltage. It receives 485 communication output from and converts it to 232 communication and outputs it.

In addition, the DI 5 line on the right side of the conversion module U4 is a serial 232 communication reception port, and functions to receive data, and the RE 6 line is a 485 communication control port, which controls the transmission and reception status of the 485 communication module. As a function, the DE line 7 is a 485 communication control port, and functions to control the transmission / reception status of the 485 communication module, and the RO line 8 is a serial 232 communication transmission port, which functions to transmit a command. It will interlock with the integrated module (U1).

Next, the fingerprint and finger vein input and USB output integrated module U1 will be described.

The D1 / TX line 1 of the integrated module (U1) is a serial 232 communication transmission port, and functions as a data transmission function to the computer, and the D0 / RX line 2 is a serial 232 communication reception port, which functions as a data reception function in the computer. , GND line 4 is a reference for (-) voltage, and functions as 0V ground, line D2 line 5 is a fingerprint module (U2) serial 232 communication transmission line, and transmits commands to the fingerprint module, D3 6 Line # 2 is the serial 232 communication receiving line of the fingerprint module (U2), and functions to receive the status value of the fingerprint module. Line # 8 of D8 is the serial 232 communication transmission port of the 485-232 communication conversion module (U4). It functions to control the Mac module (U3), line D9 12 is the 485 communication control port of the 485-232 communication conversion module (U4), and functions to control the transmission / reception status of the 485 communication module, line D10 13 Is the 485 communication control port of the 485-232 communication conversion module (U4), and functions to control the transmission and reception status of the 485 communication module. Line D11 14 is the serial 232 communication reception port of the 485-232 communication conversion module (U4). As, as a function of reading the status of the finger vein module (U3), line 5V 27 is a (+) voltage 5V output PIN, fingerprint module (U2), finger vein module (U3), 485 communication conversion module (U4) ) Function to supply 5V voltage, GND line 29 is a (-) voltage reference, 0V ground function, and VIN line 30 is a (+) voltage reference, + 5V voltage input function. In the above configuration, the fingerprint authentication code (a unique number of the customer whose fingerprint is registered) output from the fingerprint module U2 and the finger vein authentication code output from the designated vein module U3 (of the customer whose low vein is registered) The unique number) is converted from the conversion module (U4) to 232 communication, received from the integrated module (U1), and when the fingerprint and the finger vein authentication code match each other, the corresponding authentication code is output via USB.

The fingerprint and finger vein algorithm of the invention of the event can be represented 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 finger vein authentication code from the integrated module U1 and allows the authentication code only when the fingerprint and the low vein belong to the same person.

The details are as follows.

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

The finger vein module U3 searches for a finger vein and outputs the code number of the person when there is a person matching the finger vein.

The fingerprint code of the fingerprint module U2 and the finger vein code of the finger vein module U3 are input as fingerprint code and fingerveincode, respectively, as arguments to the function name getfingerauthorization of the above algorithm, so both argument values are valid and also two registrations When the customer's unique number matches, the person's code is output from the fingerprint and finger vein integration module.

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

The following describes the procedures for registering, authenticating, and deleting fingerprints and finger vein readers or banks.

First, as shown in FIG. 13, as a step of registering a fingerprint and a finger vein, a registration request is made by the fingerprint and the finger vein recognizer (S311).

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

Next, after the first registration in the fingerprint and finger vein recognizer, a second scan of the fingerprint and finger vein with the finger of the person to be registered is performed (S313).

Next, after the first registration in the fingerprint and finger vein recognizer, a third scan of the fingerprint and finger vein with the finger of the person to be registered is performed (S314).

The registration of the fingerprints and finger vein recognizers of the three times determines whether all three scanned images match to measure their accuracy (S315).

As described above, the registration of the fingerprints and the finger vein recognizer is restarted when all three scan images do not match, and when all match, registration is completed (S316).

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

The next step is to authenticate the registration of the fingerprint and the finger vein, and the fingerprint and finger vein recognizer makes an authentication request.

The fingerprint and finger vein recognizer scans the image of the person's fingerprint and finger vein.

Fingerprint and finger vein recognizer compares the scanned image of the finger and finger vein with the finger of a registered person.

It is determined whether the images scanned by the fingerprint and finger vein recognizers match.

As described above, if all of the scanned images of the fingerprint and the finger vein recognizer do not match, restarting is performed, and if all match, authentication is completed.

The next step is to delete the registration of the fingerprint and the finger vein, and requests to delete the fingerprint and the finger vein recognizer.

Enter the code of the party to be deleted in the fingerprint and finger vein recognizer.

It is determined whether the image of the code to be registered is deleted in the fingerprint and the finger vein recognizer.

If the scanned image is not deleted from the fingerprint and finger vein recognizer, it is restarted, and when it is deleted, authentication is completed.

As described above, if the fingerprint or finger vein is operated by a self-storage device or a bank that is registered, authenticated, or deleted, the fingerprint and finger vein recognition is further enhanced, and operation thereof is simplified.

The following is an example in the present invention, and relates to a mouse.

14 is a schematic perspective view of a mouse authenticated with fingerprint 1, fingerprint 2, and finger vein applied to the present invention, and a mechanism for acquiring an image of fingerprint and finger vein and finger fingerprint of a mouse M according to an embodiment of the present invention This is a conceptual diagram.

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

Fingerprint reader 1000 at the bottom left of the mouse M has a rectangular contact fingerprint authentication module device 1000a formed in a fingerprint recognition seating border 1000b, and a finger vein reader at the top of the mouse M. 2000), a fingerprint authentication module 1001a and a finger vein authentication unit 2000a are formed into the mouse, and a camera 2000b and a plurality of infrared light sources 2000c are formed within a certain distance inside the mouse M. The finger vein authentication device (2000a) is placed above the finger vein is photographed to authenticate it.

In addition, an infrared light source (2000d) that emits infrared light is formed on the finger side of the rounded vein recognition seating frame (2000e), and a fingertip support (2000f) is provided at the front end of the central part for placing the finger tip. It is done.

The circuit for the authentication module of the fingerprint and finger vein applied to it will be described later.

Therefore, in the case of authenticating a fingerprint or / and a finger vein during e-commerce or financial settlement, hold the mouse as it normally is, and recognize the thumb fingerprint on the first finger reader and recognize it on the second finger vein reader. B Fingers such as middle finger are put on each finger or / and finger vein authentication is performed.

By doing so, the fingerprint or / and the finger vein can be authenticated at a time difference in online e-commerce or financial settlement, thereby resolving the vulnerability of financial security by biometric authentication by fusion of two fingerprints and one finger vein. It is possible.

Moreover, the two-step parallax authentication method secures data from the outside by subjecting data input to biometric authentication even when working on documents on a computer, but by providing a biometric means whose authentication method is different with a time difference of authentication. It is to provide a computer hacking blocking device capable of providing a computer hacking blocking device that can be safely protected from the outside without additionally encrypting computer input data.

The following is a detailed description of the fingerprint and finger vein authentication processing unit 1180 that can be commonly applied to a smart phone and a mouse or an integrated terminal, which is the first embodiment of the calling device.

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

15 is a perspective view schematically showing a contact fingerprint and finger vein authentication device of the integrated payment device using the biometric authentication integrated terminal of the present invention.

As shown in FIG. 15, the fingerprint and finger vein authentication processing unit 1180 formed in the biometric authentication integrated terminal 1000 is formed with a contact fingerprint scanning module 2310 toward the upper portion, and a finger photographing groove 2410 at the lower portion. Formed branch vein authentication unit 2100 is formed, where the fingerprint and finger vein authentication is an invention.

The fingerprint scan module 2310 uses a contact recognition module, and a recognition circuit electric unit 2320 is formed on the rear surface to control it.

The authentication device 2100 for acquiring the finger vein information is formed to authenticate the finger vein at the lower edge of the body side of the terminal, but the inside of the terminal is the contact fingerprint scanning module 2310 and the finger vein authentication device. A substantial authentication device sub-space (2500) into which the part (2100) can be entered is formed in the form of an upper and lower light, and a side groove border (2200) is formed on the outside to form a contact fingerprint scanning module (2310) on the upper side. , On the lower side, a finger photographing groove 2410 is formed to place a finger in a non-contact manner so that it can be recognized simultaneously.

A very thin finger rest glass plate may be formed in the finger photographing groove 2410 to prevent the inflow of external dirt or the like.

In this case, the image sensor can be operated by attaching an infrared filtering film that blocks visible light by utilizing the finger support glass plate.

Moreover, the finger support glass plate may be manufactured to be formed in an adjacent front portion of the image sensor 2510a and the infrared transmitter 2520a together with the infrared filtering film.

Then, an empty finger photographing groove 2410 is formed on the lower side to form the finger f comfortably.

In addition, an image sensor 2510a and an infrared transmitter 2520a are formed side-by-side in the back authentication device subspace 2500 of the empty finger photographing groove 2410, and a recognition circuit electronics 2530 is formed to control them. When the vein pattern is recognized, they are operated to transmit various control signals.

When the empty finger photographing groove 2410 is designed such that there is no fear of damage to the image sensor 2510a and the infrared transmitter 2520a, it is possible to communicate with the authentication device subspace 2500 in a non-contact manner according to surrounding conditions. You may form.

In addition, in the case of the image sensor 2510a, the range of recognizing a finger vein is different according to its size, and in the case of wide recognition, when a finger and a distance Ha are increased, a wide range of finger vein can be recognized. When the distance is short, only a narrow range of finger vein patterns are recognized, and in consideration of this, it is necessary to devise and design in consideration of the relationship with the size of the terminal's internal electronics.

The following describes the technology of matching the virtual currency with the iris / face authentication information using the digital virtual currency trading system.

FIG. 16 is a block diagram showing a transaction process of a digital virtual currency having a blockchain between parties by using a transaction system of a digital virtual currency having a blockchain between the parties of the present invention, and FIG. It is a flow chart showing a process of trading a digital virtual currency having a blockchain between parties using a transaction system of a digital virtual currency having a blockchain, and FIG. 18 is a transaction of a digital virtual currency having a blockchain between the parties of the present invention. When using the system, it is a flow chart (a) of the first half showing that the transaction process of the digital virtual currency with the blockchain between the parties subject to the insurance subscription, Figure 19 is a digital cryptocurrency with the blockchain between the parties of the present invention It is a flow chart (b) of the first half of the first half that shows the transaction process of digital cryptocurrency with a blockchain between parties subject to insurance subscription when using the transaction system.

The general matching program 340a in the block diagram showing that the transaction process of the digital virtual currency having the blockchain between the parties is performed using the transaction system of the digital virtual currency having the blockchain between the parties in FIG. The electronic cryptographic source 316 provided in the first file 315a which is the basic unit of the virtual currency to be linked is converted in the general matching program 340a, and the electronic algorithm source 416 provided in the iris / face algorithm 415b. Is converted in the overall matching program 340a, so that they can be fused by the matching program 344 to be able to trade as a basic unit of transmission.

Reference numerals 315b and 315c denote the number of second and third files of the virtual currency following the first file, which is the basic unit of the virtual currency.

Of course, in order to transfer large quantities, it is desirable to create and operate a program of a batch payment method.

In FIG. 17, the same procedure as that shown in the conventional transmission method is used as it is, and therefore, it will be described as an essential component of the present invention.

In the sign display, signs having the same technical content as the prior art are used in the same way.

First, when the donor terminal 300 executes the presenter-side blockchain-based digital virtual currency transaction app 310 installed according to the donor's selection (S110), the executed donor-side blockchain-based digital virtual currency transaction app The 310 controls the blockchain-based digital virtual currency transaction screen 510 stored and managed to be output and displayed (S120) through the information output unit 301 of the presenter terminal 300.

At this time, to prevent exposure of all information, whether the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency formed) and the electronic algorithm source of the iris or face is matched. Or it is requested by the face authentication means, and here, it is determined whether the virtual currency matches the iris or face authentication information (S130b).

If the above conditions are not satisfied, the transaction is terminated, and thereafter, the presenter selects the amount of money displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 (511), and an instant messenger. When the transfer menu 514 is clicked while inputting the input form according to the input form in the column 512 and the text input field 513, the app 310 for the blockchain-based digital virtual currency transaction on the donor side is a blockchain-based digital virtual currency. A transaction request signal for a donor is generated by combining the amount information of the digital virtual currency inputted through the transaction screen 510, the selected IM (instant messenger, the same as below) identification information, and the personal information of the donor that is stored and managed. The digital virtual currency transaction information server 200 is transmitted (S130).

Thereafter, when the transaction request signal for a donor is transmitted from the presenter terminal 300, the blockchain-based digital virtual currency transaction guide server 200 receives the presenter's personal information included in the presenter's transaction request signal, member list information DB 211 Matching with, after confirming that it is a member, generates a URL (A) for recognizing a beneficiary who guides a digital virtual currency having a blockchain to recognize a donor, and transmits it to the presenter terminal 300 (S140).

Subsequently, the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300 transmits the recipient recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, and identifies the selected IM When the presenter-side instant messenger corresponding to the information is controlled to be automatically executed, the URL display guide screen for the presenter-side instant messenger (see FIG. 3B) is displayed in which the URL (A) for recognition of a recipient is inserted into the automatically executed donor side instant messenger. Control to be output through the information output unit 301 (S150).

Thereafter, the presenter-side instant messenger of the presenter terminal 300 designates the recipient account of the instant messenger for which the presenter requests delivery of the URL (A) for recognizing the recipient through the donor-side instant messenger designation guide screen (see FIG. 3C). If so, the URL (A) for recognition of the recipient is transmitted to the recipient terminal 400 corresponding to the recipient account (S160).

Subsequently, the instant messenger side of the recipient terminal 400 displays the URL display guide screen for the instant messenger side instant messenger (see FIG. 3D) in which the transmitted URL (A) for recognizing the recipient is inserted and output through the information output unit 401 ( S170).

Thereafter, when the URL (A) for recognizing the recipient displayed on the instant messenger on the recipient side of the recipient terminal 400 is clicked, the blockchain-based digital virtual currency transaction app 410 is automatically executed in conjunction with this (S180). .

The blockchain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a new personal information signal for authentication of a beneficiary, which includes personal information of a beneficiary receiving a digital virtual currency having a blockchain, and This is controlled to be transmitted to the digital virtual currency transaction guide server 200 (S190).

Subsequently, when the blockchain-based digital virtual currency transaction guide server 200 transmits a credential identification signal from the credential terminal 400, the credential identification information included in the credential authentication credential signal is registered as a member list information DB. After matching with (211), after confirming that the beneficiary is a member, the electronic wallet list information DB 212 deducts the amount of the blockchain-based digital virtual currency amount stored in the donor's electronic wallet information by the amount to be presented to the beneficiary. After accumulating the amount of money on the blockchain-based digital virtual currency stored in the e-wallet information of the beneficiary, the transaction information for the digital virtual currency transaction with the blockchain is generated based on this, to the designated blockchain holding servers 100 Send (S200).

At this time, the blockchain-based digital virtual currency transaction guide server 200 matches the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) and the electronic algorithm source of the iris or face. It is determined whether there is a request to convert the donor of the virtual currency into an iris by the authentication signal of the iris or face, and performs the iris or face authentication information conversion step (S210b) of converting the information of the presenter to the donor.

Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. The virtual currency transaction is authenticated, and the transaction information for the digital virtual currency transaction having the blockchain is recorded according to the authentication (S210), thereby performing authentication of the transaction.

Thereafter, the blockchain-based digital virtual currency transaction guide server 200 transmits a message to the presenter that the digital virtual currency having the blockchain is paid to the recipient.

Subsequently, when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200 to the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300, the presenter side corresponding to the selected IM identification information In a state in which the instant messenger is controlled to be automatically executed, the payment confirmation guide screen for the donor-side instant messenger (see FIG. 3E) in which a message is inserted and displayed in the auto-executed donor-side instant messenger is controlled to be output through the information output unit 301. .

In addition, the app 410 for a blockchain-based digital virtual currency transaction on the beneficiary side of the beneficiary terminal 400 is automatically executed when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200. In a controlled state, a control message is displayed so that a cumulative storage guide screen for a recipient's instant messenger (see FIG. 3F) in which a message is inserted and displayed on the automatically executed recipient's instant messenger is displayed through the information output unit 401.

Another bitcoin (the same concept as virtual currency), Bitcoin (Crypto-Currency), which is a cryptocurrency without the subject of the issuance, is a blockchain structure that collects and encrypts transmission records made in the network. In the transaction method of the same concept as currency, Bitcoin (the same concept as virtual currency) is executed by authenticating the transaction of Bitcoin (the same concept as virtual currency) by executing a program mounted on a computer constituting the Bitcoin (the same concept as virtual currency) network. Mining and obtaining the same concept as virtual currency); This is a program executed by a computer.Bitcoin (same concept as virtual currency) for the trading of bitcoin (same concept as virtual currency) is a cryptocurrency exchange when trading by executing a program installed on the computer. Generating a member's exchange web wallet address on the cryptocurrency exchange server by executing a member server loaded with a program provided by the server or a program mounted on a member computer; Bitcoin (same concept as virtual currency) through a cryptocurrency exchange server equipped with a database (DB) that stores the transaction history of Bitcoin (same concept as virtual currency) traded by executing a program mounted on a member server or a member computer Generating an address of an exchange general wallet for a cryptocurrency exchange server; And generating a member's exchange address stored in the cryptocurrency exchange server in order to trade bitcoin (the same concept as virtual currency) by executing a program mounted on a member server or a member computer.

At this time, before transmitting the bitcoin (the same concept as virtual currency), a biometric authentication of the donor side is requested by the iris or / and face authentication means for authentication, and here, determining whether iris or / and face authentication has been performed. ;

At this time, whether the electronic cryptographic source of the virtual currency (including the “file name” in which the virtual currency is formed or the “node” of the virtual currency) and the electronic algorithm source of the iris or / and face are matched, the iris or / and face authentication means It is requested by, here, determining whether the virtual currency matches the iris or face authentication information; Generated on the cryptocurrency exchange server from the member's exchange web wallet address created on the cryptocurrency exchange server in order to quickly process the Bitcoin (the same concept as virtual currency) transaction by executing the program mounted on the member server or the member computer. Transmitting bitcoin (the same concept as virtual currency) to the exchange general wallet address; Sending bitcoin (same concept as virtual currency) from the web wallet address of the member's own exchange created on the cryptocurrency exchange server to the general wallet address of the exchange created on the exchange server while the program installed on the cryptocurrency exchange server is running. And confirming.

At this time, when it is confirmed that the transmission of the bitcoin (the same concept as the virtual currency) has been performed, the program installed on the cryptocurrency exchange server is executed and the address of the member's exchange stored is not the actual bitcoin (the same concept as the virtual currency). Depositing and processing bitcoin (the same concept as virtual currency) by changing the numerical value on the database mounted on the cryptocurrency exchange server; And bitcoin (virtualization), including the step of offsetting the prepaid portion without depositing the member's database when the transaction of the bitcoin (the same concept as virtual currency) is completed due to the numerical change on the database mounted on the cryptocurrency exchange server. Same concept as currency).

At this time, if necessary, the cryptocurrency's electronic crypto source (including the "file name" or the "node" of the virtual currency) and the donor of the virtual currency matched with the electronic algorithm source of the iris or face of the iris or face It is possible to determine whether or not there is a request to convert to a recipient by an authentication signal, and to perform the step of converting the iris or face authentication information of the donor-receiver to convert the information.

In Figs. 18 and 19, the same procedure as that shown in the conventional transmission method is used as it is, so it will be described as an essential component of the present invention.

In the sign display, signs having the same technical content as the prior art are used in the same way.

First, when the presenter terminal 300 executes the presenter-side blockchain-based digital virtual currency transaction app 310 according to the choice of the presenter (S110), the executed presenter-side blockchain-based digital virtual currency transaction app The 310 controls the blockchain-based digital virtual currency transaction screen 510 stored and managed to be output and displayed (S120) through the information output unit 301 of the presenter terminal 300.

At this time, whether to match the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency) and the electronic algorithm source of the fingerprint or finger vein to prevent exposure of all information. It is requested by the fingerprint or / and finger vein authentication means, where it is determined whether the virtual currency matches the iris or face authentication information (S130a).

After the iris or face authentication information matching determination step (S130a), the block chain-based digital virtual currency transaction guide server 200 determines whether or not the insurer is insured to determine whether or not the insurer has purchased compensation insurance that compensates for damages in case of a transaction defect ( S130c).

At this time, if the above-mentioned compensation insurance is not subscribed, the insurance subscription process implementation step to reveal the 'insurance procedure' in accordance with the insurance coverage terms (in the case of insurance premiums, the calculation standard is determined for the transaction amount or amount of cryptocurrency) (S130d) is performed.

If the above conditions are not satisfied, the transaction is restarted, and afterwards, the presenter terminal 300 displays the amount of money displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 ( 511), the instant messenger selection box (512) and text input field (513) in the state entered according to the input form, click the transfer menu (514), donor side blockchain-based digital cryptocurrency trading app (310) Blockchain-based digital virtual currency transaction screen 510 combines the amount of digital virtual money input, selected IM identification information, and the personal information of the donor that is stored and managed to generate a transaction request signal for the donor and uses it to create a blockchain-based digital It is transmitted to the virtual currency transaction guide server 200 (S130).

Thereafter, when the transaction request signal for a donor is transmitted from the presenter terminal 300, the blockchain-based digital virtual currency transaction guide server 200 receives the presenter's personal information included in the presenter's transaction request signal, member list information DB 211 Matching with, after confirming that it is a member, generates a URL (A) for recognizing a beneficiary who guides a digital virtual currency having a blockchain to recognize a donor, and transmits it to the presenter terminal 300 (S140).

Subsequently, the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300 transmits the recipient recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, and identifies the selected IM When the presenter-side instant messenger corresponding to the information is controlled to be automatically executed, the URL display guide screen for the presenter-side instant messenger (see FIG. 3B) is displayed in which the URL (A) for recognition of a recipient is inserted into the automatically executed donor side instant messenger. Control to be output through the information output unit 301 (S150).

Thereafter, the presenter-side instant messenger of the presenter terminal 300 designates the recipient account of the instant messenger for which the presenter requests delivery of the URL (A) for recognizing the recipient through the donor-side instant messenger designation guide screen (see FIG. 3C). If so, the URL (A) for recognition of the recipient is transmitted to the recipient terminal 400 corresponding to the recipient account (S160).

Subsequently, the instant messenger side of the recipient terminal 400 displays the URL display guide screen for the instant messenger side instant messenger (see FIG. 3D) in which the transmitted URL (A) for recognizing the recipient is inserted and output through the information output unit 401 ( S170).

Thereafter, when the URL (A) for recognizing the recipient displayed on the instant messenger on the recipient side of the recipient terminal 400 is clicked, the blockchain-based digital virtual currency transaction app 410 is automatically executed in conjunction with this (S180). .

The blockchain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a new personal information signal for authentication of a beneficiary, which includes personal information of a beneficiary receiving a digital virtual currency having a blockchain, and This is controlled to be transmitted to the digital virtual currency transaction guide server 200 (S190).

At this time, pass the new history signal transmission step for authentication of the recipient (S190). The block chain-based digital virtual currency transaction guide server 200 determines whether or not the insurance is insured (S190a) to determine whether the beneficiary has purchased compensation insurance to compensate for damages in the event of a defect in the transaction (S190a).

At this time, if the above-mentioned compensation insurance is not subscribed, the insurance subscription process implementation step to reveal the 'insurance procedure' in accordance with the insurance coverage terms (in the case of insurance premiums, the calculation standard is determined for the transaction amount or amount of cryptocurrency) (S190b) is performed.

If the above conditions are not satisfied, the transaction is restarted, and then, the blockchain-based digital virtual currency transaction guide server 200 trades and trades the cryptocurrency in the donor terminal 300 and the beneficiary terminal 400. An insurance premium calculation step of displaying the premium based on the amount of money on the screen is performed (S190c).

Thereafter, the blockchain-based digital virtual currency transaction guide server 200 is an insurance premium (hereinafter referred to as 'virtual currency insurance premium') based on the transaction amount and transaction amount of the virtual currency in the donor terminal 300 and the recipient terminal 400. ) Performs the insurance payment judgment step (S190d), which determines whether the donor or the beneficiary pays (the payment method (payer) of such cryptocurrency insurance premiums is determined by the 'insurance policy').

Subsequently, when the blockchain-based digital virtual currency transaction guide server 200 transmits a credential identification signal from the credential terminal 400, the credential identification information included in the credential authentication credential signal is registered as a member list information DB. After matching with (211), after confirming that the beneficiary is a member, the electronic wallet list information DB 212 deducts the amount of the blockchain-based digital virtual currency amount stored in the donor's electronic wallet information by the amount to be presented to the beneficiary. After accumulating the amount of money on the blockchain-based digital virtual currency stored in the e-wallet information of the beneficiary, the transaction information for the digital virtual currency transaction with the blockchain is generated based on this, to the designated blockchain holding servers 100 Send (S200).

At this time, the blockchain-based digital virtual currency transaction guide server 200 includes the electronic cryptographic source of the virtual currency (including the “file name” or the “node” of the virtual currency) and the electronic algorithm source of the fingerprint or finger vein. It is determined whether there is a request to convert the donor of the matched virtual currency to an iris according to the authentication signal of the iris or face, and performs the iris or face authentication information conversion step (S210a) of converting the information of the presenter to the donor.

Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. The virtual currency transaction is authenticated, and the transaction information for the digital virtual currency transaction having the blockchain is recorded according to the authentication (S210), thereby performing authentication of the transaction.

Thereafter, the blockchain-based digital virtual currency transaction guide server 200 transmits a message to the presenter that the digital virtual currency having the blockchain is paid to the recipient.

Subsequently, when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200 to the presenter-side blockchain-based digital virtual currency transaction app 310 of the presenter terminal 300, the presenter side corresponding to the selected IM identification information In a state in which the instant messenger is controlled to be automatically executed, the payment confirmation guide screen for the donor-side instant messenger (see FIG. 3E) in which a message is inserted and displayed in the auto-executed donor-side instant messenger is controlled to be output through the information output unit 301. .

In addition, the app 410 for a blockchain-based digital virtual currency transaction on the beneficiary side of the beneficiary terminal 400 is automatically executed when a message is transmitted from the blockchain-based digital virtual currency transaction guide server 200. In a controlled state, a control message is displayed so that a cumulative storage guide screen for a recipient's instant messenger (see FIG. 3F) in which a message is inserted and displayed on the automatically executed recipient's instant messenger is displayed through the information output unit 401.

Next, an algorithm for recognizing a fingerprint applied to the converter of the present invention will be described.

20 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and the digital processing circuit of the first invention are applied, and FIG. 21 is a block diagram showing the configuration of a single chip fingerprint recognition device according to the second invention of the prior art. , FIG. 22 is a block diagram showing a single chip implementation of a conventional fingerprint recognition apparatus according to the second invention, and FIG. 23 is an exemplary diagram for comparing fingerprint recognition using a specific point of a fingerprint.

In general, the fingerprint recognition sensor may be an input image device that acquires a fingerprint image (or image information of a fingerprint) of a finger indicating a unique characteristic difference for each user. Sensing data for the fingerprint image may be obtained in an optical, semiconductor, ultrasonic or non-contact method.

The optical fingerprint recognition sensor may include, for example, a prism, a light source, a lens, or a charge-coupled device (CCD). In the optical sensor, when a fingerprint is in contact with a prism, a light source illuminates the prism, a lens collects light reflected through the prism, and a CCD can acquire the collected light as a fingerprint image.

The semiconductor fingerprint sensor may include a thermal sensor, a power storage sensor, or an electric sensor. The semiconductor fingerprint recognition sensor can be miniaturized and used in an application product for personal use.

The thermal sensor may be a fingerprint recognition sensor in which a temperature distribution is obtained as a fingerprint image by a temperature difference between a contact portion and a non-contact portion of the fingerprint.

The capacitive sensor may be a fingerprint recognition sensor that acquires a difference in the amount of charge or capacitance between charged ridges of a touched fingerprint as a fingerprint image.

The electric sensor may be a fingerprint recognition sensor that acquires fingerprint image information from a fingerprint contacting the sensor or an electric field formed around the fingerprint.

Meanwhile, the fingerprint recognition sensor may be configured to include at least a part of the processor. For example, the fingerprint recognition sensor may include an operation of correcting the fingerprint image or calculating characteristics of the fingerprint image in addition to the operation of acquiring the fingerprint image. In this case, the fingerprint sensor may be a functional module having a hardware module and a software module.

The fingerprint has a normal region made of ridges with accurate directionality and a number of other feature regions. In the feature region, the point at which the ridge is cut off while proceeding is referred to as the ending point, and the point at which the ridge is split is referred to as bifurcation, and collectively referred to as the defect and the branch point, is referred to as the fingerprint's feature point (minutiae). Generally, about 100 to 150 feature points are distributed on one finger, and each person has a different type, location, and direction. Therefore, the location and direction of these feature points can be used as a discrimination means for each fingerprint.

As can be seen from Korean Patent Registration No. 10-0603975, FIG. 19 shows a conventional fingerprint recognition device that performs the above-described functions, and as shown, the conventional fingerprint recognition device includes a ridge and a furrow of a fingerprint ( The analog processing circuit 210 that detects a fingerprint image by converting a difference in capacitance according to a difference in height between valleys into a voltage and outputs it as an electrical signal, and the fingerprint image from the signal output from the analog processing circuit 210. After the feature is extracted, the extracted feature is compared with pre-stored fingerprint data to consist of a digital processing circuit 220 that determines or recognizes the user of the detected fingerprint.

In the above, the analog processing circuit 210 removes the sensor plate converting the difference in capacitance according to the gap between the ridge and the ridge of the fingerprint into a voltage, and the parasitic capacitance generated in the sensor plate, A parasitic capacitance removing circuit that outputs only the sensed voltage and a comparator that outputs a binary signal of '0' or '1' by comparing the sensing voltage input through the parasitic capacitance removing circuit with a reference voltage Vref.

In addition, the digital processing circuit 220 performs a digital input unit for receiving the output signal of the analog processing circuit 210, a memory unit in which a plurality of fingerprint images and fingerprint recognition algorithms are stored, and an algorithm stored in the memory unit. It may be composed of a microprocessor (MCU) that performs the detected user authentication or discrimination process.

However, in the conventional fingerprint recognition device of the first invention, since the analog processing circuit 210 and the digital processing circuit 222 are implemented on different chips, the size of the device is increased, the price is high, and the above-described large In order to solve the problem that it is difficult to use in various fields due to the volume and high cost, it is a portable device by reducing the volume and unit cost of the product by implementing a sensor side for detecting fingerprints and a digital processing circuit for recognizing fingerprints on a single chip. In addition, we developed a fingerprint recognition device implemented with a single chip that can be applied in various fields.

Figure 21 is a block diagram of a conventional fingerprint recognition device according to the second invention, the fingerprint recognition device 300 of the present invention implemented as a single chip is in contact with the bottom surface of a user's finger to see the difference in capacitance between the ridge and the furrow of the fingerprint Performs the algorithms stored in the sensors 310 and the flash memory 340, receives the electrical signals output from the sensors 310, processes the images, extracts the features of the fingerprint image, and flashes the extracted features. A microprocessor 320 that determines whether or not a match is made by comparing the reference fingerprint image registered in the memory 340, a cache memory 330 that is directly connected to the microprocessor 320 and stores frequently used instructions, and an operating A bus 350 that connects the flash memory 340 in which programs, fingerprint recognition algorithms and fingerprint data are stored, and the sensor 310, the microprocessor 320, and the flash memory 340, and provides a data path between each means. ), And a bus interface 360 that controls data exchange between the sensor 310, the microprocessor 320, and the flash memory 340 through the bus 350.

The components, sensors 310, microprocessor 320, cache memory 330, flash memory 340, bus 350, and bus interface 360 described above are directly integrated on a single chip.

22 shows an example of implementation of the conventional fingerprint recognition device of the second invention, and as shown, the single-chip fingerprint recognition device includes a sensor array 410, an MCU 420, a cache memory 430, and a flash memory. The 440 and the bus interface 450 are implemented as an integrated first chip 400.

In the above, the flash memory 440 is an on-chip flash memory implemented on a semiconductor chip, and stores a program that implements a fingerprint recognition algorithm performed by the MCU 420. The detected fingerprint image is stored. In addition, the cache memory 430 is a memory having a smaller capacity and faster access speed than the flash memory 440, and is implemented on the same chip as the MCU 420, that is, the first chip 400, and the frequency of use is By storing high instructions or data, the processing speed in the MCU 420 is improved.

In addition, the sensor array 410 is made of an array of m × n matrices of sensor plates that output the capacitance generated between the contacted skin, that is, the skin of the contacted finger as a digital electric signal, in the first chip. It is integrated on the 400 and is connected to other circuits, that is, the MCU 420 or the flash memory 440 by a bus.

The above-described sensor array 410, the MCU 420, the cache memory 430, the flash memory 440, and the bus interface 450 are not formed on the same plane, but may be implemented in multiple layers. That is, the sensor plate of the sensor array 410 is implemented on the surface of the chip, and the rest of the MCU 420, the cache memory 430, the flash memory 440, and the bus interface 450 are lower layers of the sensor array 410. It can be formed in a stack.

23, a technique for comparing and determining a fingerprint using a feature point is disclosed in Korean Patent Publication No. 10-2015-0034832.

That is, referring to the drawings, the fingerprint image mapping unit may acquire characteristic information 812,822,832,842 of the fingerprint image corresponding to the regions 811,821,831,841 for each of the user's finger regions 811,821,831,841. In addition, the fingerprint image mapping unit 260 may map feature information of the fingerprint image acquired on a portion 855 of the user's finger.

For example, the feature information 812 of the fingerprint image 813 corresponding to one region 811 of the fingerprint image 810 of FIG. 23 is a feature of the fingerprint image corresponding to the first region 851 in 850 of FIG. 23. It can be mapped as information.

Also, the feature information 822 of the fingerprint image 823 corresponding to one region 821 of the fingerprint image 810 of FIG. 23 is as feature information of the fingerprint image corresponding to the second region 852 in 850 of FIG. 23. Can be mapped.

Also, the feature information 832 of the fingerprint image 833 corresponding to one region 831 of the fingerprint image 810 of FIG. 23 is as feature information of the fingerprint image corresponding to the third region 853 in 850 of FIG. 23. Can be mapped.

Also, the feature information 842 of the fingerprint image 843 corresponding to one region 841 of the fingerprint image 810 of FIG. 23 is as feature information of the fingerprint image corresponding to the fourth region 854 in 850 of FIG. 23. Can be mapped. At this time, when there is an area overlapping each other between the first area 851 to the fourth area 854, the feature information of the fingerprint image corresponding to the overlapped area is the characteristic of the first area 851 to the fourth area 854. Among the information, quality may be better, more information may be included, or recently acquired feature information may be preferentially mapped.

Disclosed is an invention in which the fingerprint image mapping unit maps feature information for each region of a fingerprint image and adjusts overlapping regions to obtain feature information of a fingerprint image for a portion 855 of a finger.

Accordingly, according to the present invention, after the step of returning a predetermined authentication number at the called party's exchange of the personal financial relay transaction server, when the fingerprint is touched, the ridges and furrows of the fingerprint are separated, resulting from binary data output as a digital electric signal. According to a conversion logic based on a predetermined authentication number to which the fingerprint information is returned, a conversion device converts the arrangement of the DTMF signals and transmits them to a receiving device, and an authentication number using the converted DTMF signal to convert the DTMF signal. Based on the conversion logic based on, the receiving device is connected in the order of performing the step of restoring the converted DTMF signal to an array of DTMF signals transmitted by the user, and duplicate descriptions are omitted.

Next, the algorithm of the finger vein applied to the conversion apparatus of the present invention will be described.

24 is a flowchart illustrating a process of operating a biometric security device according to an embodiment of the present invention, and FIG. 25 is a diagram illustrating a reference point setting of an effective region when capturing capillaries. 26 is a diagram illustrating a process of image segmentation and binarization in the preprocessing unit.

In Korean Patent Application Publication No. 2003-0010977, when a finger is inserted, the light generating means 15 of the image acquiring means 10 emits infrared, laser or halogen rays with a finger, and the solid-state imaging element 11 roughly detects the finger. The image between the last node and the boundary point of the nail is photographed multiple times in succession (S10). Various methods can be applied by recognizing whether a finger is inserted in the above. An optical sensor using a light-emitting and light-receiving diode is used, a finger fastener 9 is configured as a limit switch, or a manual switch manually pressed by a user is installed. If you do, it is easy to know whether a finger is inserted.

As described above, in order to normalize an image of a finger taken as a specific part of the finger is photographed, the reference point must be set in the pre-processing unit 20. Since the image of the finger captured contains a large amount of unnecessary parts, after setting the reference point This unnecessary image is removed.

That is, as shown in Fig. 25, the center of the nail is held as the center point, and a straight line is drawn down while maintaining the same angle and spacing as both boundary lines at the center point, and when drawing a horizontal line so as to be perpendicular to both boundary lines at the nail boundary, both sides meet the horizontal line The part of the boundary line becomes the reference point (A, B) for normalization. Therefore, the square portion formed between the reference point and the node of the finger becomes an effective part of normalization, and the image of the effective part is rotated and enlarged to normalize (S11).

Subsequently, the pre-processing unit acquires an effective capillary image through a smoothing process that removes noise corresponding to the scattered light or scattered light at the effective site, binarizes the capillary image with digital data, and then thins the capillary image. (S12 to S14).

The thinned capillary image data is output to the feature extraction unit, and the feature extraction unit receives such data and performs image processing (S15, S16) using pattern matching of blood vessels and image processing (S17) using feature points. , S18).

In the image processing process using the pattern matching, first, as shown in FIG. 8, the capillary image of the finger obtained through the pre-processing unit is divided into a plurality of matrix blocks (S15), and the divided capillary images are binarized for each block. To output to the recognition control unit (S16).

On the other hand, the image processing process using the feature points analyzes the binarized and thinned capillary images through the pre-processing unit, extracts feature points such as bifurcation points, cut points, branches, transformation points, convex and concave vessels (S17), and The position coordinates, thickness, brightness, and pulsation information for the adjacent vessels of the feature points are measured and output to the recognition control unit (S18). When measuring the brightness of the blood vessel, the blood flow flowing through the blood vessel changes constantly over time, so a plurality of consecutive blood vessel images are analyzed to take the average brightness value, and the change in brightness is based on the pulsation, so the pulsation depends on the change in brightness. Can be easily inferred.

Subsequently, the recognition control unit performs direct matching comparison with various capillary pattern data recorded in the database using the vascular pattern-related binarization data obtained through the feature extraction unit and primarily detects a plurality of comparison data within the tolerance range (S19) ) Then, the feature points extracted from the above and the feature values and the feature points and feature values of the plurality of comparison data detected primarily are compared with each other to determine and recognize whether they are identical (S20, S21).

The vascular pattern information and the conversion device formed by binary data determined according to the presence or absence of the vascular image pattern of each pixel are fused to generate a new signal.

Accordingly, in the present invention, after passing a predetermined authentication number at the called party's exchange of the personal financial relay transaction server, the capillary image of the finger obtained through the pre-processing unit is divided into a matrix block and divided by dividing the image screen into capillaries. A conversion device converts the arrangement of the DTMF signal to a reception device according to a conversion logic based on a predetermined authentication number that returns the vein information based on binary data output as a digital electrical signal for each block according to the presence or absence of a blood vessel image. Sending to; According to the conversion logic based on the authentication number used for the DTMF signal conversion of the converted DTMF signal, the receiving device is connected in the order of performing the step of restoring the converted DTMF signal to an array of DTMF signals transmitted by a user. , Redundant technical description is omitted.

In addition, the customer terminal is a smart phone and an integrated terminal, and a fingerprint or / and finger vein authentication processing unit is formed on one side of the smart phone or integrated terminal, and a contact fingerprint scanning module is provided on the fingerprint or / and finger vein authentication processing unit. (2310) (4310) and the optical finger vein authentication unit (2100) (4100) are formed respectively to authenticate the fingerprint or finger vein information and then selectively authenticate with a time difference, that is, the fingerprint and finger vein information In the case of fusion, the signal is transmitted by the fusion authentication code.

When applied to a mouse, a signal is also transmitted by the fused authentication code.

The following describes the iris algorithm applied to the conversion apparatus of the present invention.

27 is a block diagram showing an iris recognition apparatus using a short-range iris camera according to an embodiment of the conventional iris invention applied to the present invention, and FIG. 28 is a block diagram of a conventional iris invention applied to the present invention Flowchart for explaining an iris recognition method using a camera for shooting a iris, and FIG. 29 is a method for normalizing to binary data in an iris recognition method using a camera for shooting a iris according to an embodiment of the conventional iris invention applied to the present invention It is a drawing for explaining.

As shown in FIG. 27, the iris recognition apparatus using a camera for photographing a short distance iris of a smartphone according to an embodiment of the present invention includes an iris camera 1, a key input unit 2, a storage unit 4, and a control unit 3 ), An output unit 5 and a display lamp 300.

This is a view for explaining a method of normalizing to binary data in an iris recognition method using a camera for photographing a short-range iris.

As shown in Korean Patent Publication No. 10-214-0133762, the iris camera 1 is provided with a prism 200 having an inclined surface and having an uneven portion on the guide of the illuminated IR LED 20 to improve the brightness uniformity around the iris. By improving the iris recognition and blocking the transfer of static electricity to the internal device through the illumination IR LED 20, it can be formed in a compact size.

The key input unit 2 selects whether to register the iris or the iris through the iris recognition device. The storage unit 4 stores a program for registering and recognizing the iris and iris data for the iris image recognized during registration.

The output unit 5 outputs the iris recognition result from the control unit 3 so that peripheral devices (not shown) can provide various services according to the iris recognition result. The control unit 3 operates the camera 1 for iris shooting according to the selection of the key input unit 2, photographs the iris according to the brightness of the light, determines whether it is the iris of a living person through the size change of the pupil, and then displays the iris image. The iris data is generated by normalizing the binary data for the iris data, and the iris data for the iris image is stored and registered, or the iris data and iris recognition for the iris image stored in the storage unit 4 are performed.

The iris information is fused with other signals to be used as a hacking prevention means.

Then, the display lamp 300 is turned on so that the user can recognize that the iris is being recognized by operating the iris photographing camera 1 in the control unit 3. At this time, the display lamp 300 may be displayed by subdividing the progress through various colors.

As illustrated in FIG. 28, the iris recognition method using the camera for photographing a short-range iris of a smartphone according to an embodiment of the present invention is when the controller 3 is selected as the iris recognition in the key input unit 2 (S10), the iris camera By operating (1), the iris is photographed according to the brightness of the light (S22).

At this time, the operating state of the iris camera 1 is displayed through the display lamp 300 to recognize that the user is operating. Even if the iris of a person is the same person, as shown in the drawing, the size of the pupil changes according to the brightness of the light, and the iris pattern also changes.

In the conventional invention, by photographing the iris while varying the brightness of the lighting, an iris image is acquired while maintaining the characteristic changing according to the individual characteristics. After taking the iris according to the brightness of the lighting, it is determined whether there is a change in the size of the pupil (S24).

At this time, if there is no change in the size of the pupil, it cannot be judged as a living person, and then the process is skipped and ends. When the eye of a living person is photographed, one iris image is acquired for iris recognition among the iris images changing as the pupil size changes (S26).

The iris data is generated by normalizing the acquired iris image to binary data for each pixel of the iris image photographed as shown in FIG. 29 (S28).

That is, the amount of data can be reduced by normalizing the iris data to binary data indicating the presence or absence of the pattern regardless of the intensity of the iris pattern. Therefore, the processing speed can be improved to improve the recognition speed, and it can be processed through a system with a low specification, so that miniaturization and portability can be increased, and effects of day and night and lighting can be minimized.

The iris data thus generated is compared with the iris data of a plurality of iris images photographed according to the brightness of the light stored in the storage unit 4 to compare whether the iris data matches (S30). Then, the comparison result is output through the output unit 5 so that peripheral devices (not shown) can provide various services through the iris recognition result (S32).

On the other hand, when the iris registration is selected by the control unit 3 in the key input unit 2 (S10), the iris photographing camera 1 is operated to photograph the iris according to the brightness of the illumination (S12). At this time, the operating state of the iris camera 1 is displayed through the display lamp 300 to recognize that the user is operating.

Even if the iris of a person is the same person, the iris pattern changes as the pupil size changes depending on the brightness of the light. In the conventional invention, by photographing the iris while varying the brightness of the lighting, an iris image is acquired while maintaining the characteristic changing according to the individual characteristics.

After photographing the iris according to the brightness of the lighting, it is determined whether there is a change in the size of the pupil (S14). At this time, if there is no change in the size of the pupil, it cannot be judged as a living person, and then the process is skipped and ends.

When the eye of a living person is photographed, a plurality of iris images are acquired for iris registration among the iris images changing as the pupil size changes (S16). The iris data for a plurality of iris images is generated by normalizing the obtained iris image with binary data for each pixel of the captured iris image as shown in FIG. 12 (S18). That is, the amount of data can be reduced by normalizing the iris data to binary data indicating the presence or absence of the pattern regardless of the intensity of the iris pattern.

Therefore, it consists of binary data determined by dividing each pixel, and their data and a conversion device are fused to generate a new signal.

The iris data for the plurality of iris images generated as described above is stored in the storage unit 4 to register (S20). As described above, according to the iris recognition method using the camera for photographing a short distance iris of a smartphone according to the present invention, the amount of data is processed by processing the iris image photographed through the camera for shooting a short distance iris of a smartphone into binary data according to the iris pattern of each pixel. In addition to improving the recognition speed, it is possible to reduce the erroneous recognition rate by changing the pattern and path of the iris, and it can be processed through a system with a low specification, which can increase the size and portability, and can be increased depending on day and night and lighting. The recognition rate can be increased regardless of the intensity of the pattern.

Therefore, in the present invention, returning a predetermined authentication number at the called party's exchange of the personal financial relay transaction server; A iris image is divided into each pixel, and each pixel is converted according to a conversion logic based on a predetermined authentication number returned by the iris information by binary data output as a digital electric signal according to the presence or absence of an iris pattern. Converting the arrangement of the DTMF signals and sending them to a receiving device; According to the conversion logic based on the authentication number used for the DTMF signal conversion of the converted DTMF signal, the receiving device is connected in the order of performing the step of restoring the converted DTMF signal to an array of DTMF signals transmitted by a user. , Redundant technical description is omitted.

The following describes the application of the binary method to the face image that can be determined by the face information applied to the conversion device.

30 is an explanatory diagram of the muscle structure of the eye of the prior art applied to the present invention, and FIG. 31 is a simplified configuration diagram of a face image of the conventional invention applied to the present invention, and shows a method of measuring each position and distance It is.

In such face recognition, as shown in Korean Patent Publication No. 10-1174103, as a simplified configuration diagram of an input face image of the conventional invention according to an embodiment of the conventional invention, measurement of each position and distance is key.

The eye and surrounding muscle information detection step applied to the prior invention is to locate the frontal and vertebral muscles of the upper muscles, the circumferential muscles, and the lower eyebrows, which are the muscle structures of the eyes. Pre-processing method to detect the distance between the nose, the distance between the eyes and the mouth, and the angle between the nose and the mouth centered on the eyes) to generate as basic information to be used as registration or control data, and to preserve detailed features in the face image Will be enforced.

Thereafter, the conventional invention undergoes a pre-processing and feature extraction step of normalizing the face image based on eye position and surrounding details, removing external illuminance components from the normalized face image, and statistically correcting and extracting features from the pre-processed face image.

At this time, the pre-processing and feature extraction steps applied to the present invention is to compensate for changes in external conditions of luminosity, posture, and expression, and luminosity correction uses local partial normalization and local histogram smoothing.

In addition, it consists of binary data that is determined by dividing each pixel according to the normalization of the face image by the feature points of the eye position and surrounding details, and these data and a conversion device are fused to generate a new signal.

The face recognition method of the mathematical pattern analysis based on the musculoskeletal structure includes a face image input step in which an image input by a camera (including a USB and CCD) or a video file or image file image is input, and whether the input image has a face or not. Discriminates, locates it, detects the face from the detected object (object), determines the basic contour, and automatically detects the location of the face, and automatically detects the position of the eye in the detected face region The step of detecting the details of the eye around the eye, the muscle information around the eye, the normalization of the face image by the eye location and the surrounding details, the removal of external illumination components from the normalized face image, statistical correction, and the pre-processed face image. It consists of pre-processing and feature extraction steps to extract features.

Here, the face information is made up of binary data determined according to the normalization of the face image by the eye location and the surrounding details, so that it can be used in the conversion device.

Therefore, according to the present invention, after a step of returning a predetermined authentication number from a caller-side exchange of the personal financial relay transaction server, each face image is normalized according to facial image normalization based on eye location and feature points of surrounding details. Converting the arrangement of the DTMF signals to a receiving device by converting the array of DTMF signals according to a conversion logic based on a predetermined authentication number returned by dividing the pixels into binary data output as digital electrical signals; According to the conversion logic based on the authentication number used for the DTMF signal conversion of the converted DTMF signal, the receiving device is connected in the order of performing the step of restoring the converted DTMF signal to an array of DTMF signals transmitted by a user. , Redundant technical description is omitted.

The following describes a vein pattern input device that is an embodiment of the conventional invention applied to the present invention.

32 is an external view of a finger vein pattern input device that is an embodiment of the prior art applied to the present invention, and FIG. 33 is a cross-sectional view of FIG. 32 applied to the present invention.

The structure of the finger vein pattern input device 100 will be described with reference to FIGS. 32 and 33 for the technology shown in Korean Patent Publication No. 10-2008-0022202.

In the main body 10, a mount 11 is incorporated and integrated. Further, inside the main body 10 is mounted on the camera substrate 9, and a control module unit (control module means) 1 and an imaging unit (imaging means) 2 incorporating a CPU for performing image processing are provided. . As is well known, the control module unit 1 compares the finger vein pattern extracting means for extracting the finger vein pattern from the image acquired by the imaging unit 2, and the finger vein pattern that has been previously registered, and extracts the finger vein pattern that has been previously registered. That is, it has the image calculation means to contrast.

The imaging unit 2 is a near-infrared light emitting LED 13 (13A, 13B) and finger detection means as irradiation means disposed in the space portion 12 formed on the upper portion of the main body 10 (the vertical left side portion in the figure) (Not shown).

The mount 11 is provided with irradiation windows 16 (16A, 16B) in a form opposite to the near-infrared light emitting LEDs 13 installed in the mount 11 (15A, 15B). . The near-infrared light emitting LED 13 is disposed in the space portion 12, and light is not leaked except for the irradiation window 16. The central portion of the inside of the main body 10 is provided with a camera lens 3 and a camera module 4 having a CCD and an optical axis refraction portion 5 composed of a mirror. The optical axis refracting section 5 has an inclined mirror, thereby reducing the thickness of the entire device to increase the length of the optical path for imaging, thereby reducing image distortion. The imaging opening 6 is largely formed in the center of the mount 11, and the imaging window 7 is provided in the imaging opening 6. The image pickup window 7 is made of a smoke-like material in which the middle portion is not visible. This material transmits infrared light. The imaging opening part 6 has a shape having a depth of round R toward the outside so that a finger does not contact the imaging window 7 at the time of imaging. By performing such a round (R), it is possible to prevent the veins from being squeezed by squeezing the veins, and it is also possible to improve the veins located around the imaging opening. The imaging window 7 is provided perpendicular to the groove 8 as in the drawing provided in the imaging opening 6.

The light transmitted through the camera lens 3 is bent by the mirror of the optical axis refraction section 5, and is irradiated outwardly as indicated by arrows through the imaging window 7 and the opening 6.

The near-infrared light emitting LED 13 and the status display LED 17 are disposed in the space portion 12.

Moreover, it is designated as excellent biometric information in all aspects, such as resistance to forgery, false acceptance rate, false reject rate, failure to enroll rate, authentication time, etc., than the above biometric technology. Mac authentication technology is known.

The following describes additionally the technology of matching the virtual currency with fingerprint / vein authentication information using the digital virtual currency transaction system.

FIG. 34 is a block diagram of matching virtual currency with fingerprint / vein authentication information using a transaction system of a digital virtual currency having a blockchain between parties of the present invention.

The main controller (CPU) 340 shown in the block diagram of matching the virtual currency with the biometric authentication information using the transaction system of the digital virtual currency having the blockchain between the parties of the present invention in FIG. 34 is encrypted as described above. Cryptocurrency 315, an encrypted fingerprint / pointer vein algorithm 415 as described above, a donor terminal 300 including a fingerprint / pointer vein recognizer, and a water vapor terminal including a fingerprint / pointer vein reader ( 400), wherein the electronic cryptographic source of the encrypted cryptocurrency 315 (including the "file name" or the "node" of the virtual currency) and the electronic algorithm of the fingerprint / intravenous algorithm 415 It consists of a conversion device 500 for matching the algorithm source, and a donor-recipient fingerprint / arrhythmia converter 600 for converting a donor's virtual currency into a recipient's virtual currency.

Next, the technology for matching the virtual currency to the iris / face authentication information using the transaction system of the digital virtual currency will be further described.

35 is a block diagram of matching virtual currency with iris / face authentication information by using a digital virtual currency transaction system having a blockchain between parties of the present invention.

The main controller (CPU) 340 shown in the block diagram of matching the virtual currency with the iris / face authentication information using the transaction system of the digital virtual currency having the blockchain between the parties of the present invention in FIG. 35 is as described above. Encrypted virtual currency 315, an encrypted iris / face algorithm 415b as described above, a donor terminal 300b including an iris / face recognizer, and a water vapor terminal 400b including an iris / face recognizer ), Wherein the electronic cryptographic source of the encrypted cryptocurrency 315 (including the "file name" or the "node" of the virtual currency formed) and the electronic algorithm source of the iris / face algorithm 415b It is composed of a conversion device 500 for matching, and a donor-receiver iris / face conversion device 600b for converting a donor's virtual currency into a recipient's virtual currency.

As described above, the present invention is a main controller (CPU) 340 that matches a virtual currency with biometric authentication information using a transaction system of a digital virtual currency having a blockchain between parties, an encrypted virtual currency 315, and an encrypted It consists of a fingerprint / finger vein algorithm (415), a donor terminal (300) including a fingerprint / finger vein reader, and a fingerprint / finger vein reader (400), and the encrypted cryptocurrency ( 315) an electronic encryption source matching the electronic algorithm source 416 of the fingerprint / point finger vein algorithm 415, and a donor-recipient fingerprint / converting the donor's cryptocurrency into the recipient's cryptocurrency The electronic cryptographic source 316 provided by the first file 315a, which is a basic unit of cryptocurrency linked to the general matching program 340a, is converted by the general matching program 340a. Then, the electronic algorithm source 416 provided by the fingerprint / point finger vein algorithm 415 is converted in the general matching program 340a, and these are matched by the matching program 344 to provide the cryptographic electronic crypto source and fingerprint / point finger vein. It is fused by an electronic algorithm source to enable trading as a basic unit of virtual currency transmission, and at the same time, the electronic algorithm source 416 of the fingerprint or finger vein is provided by the blockchain-based digital virtual currency transaction guide server 200. The digital virtual currency of the digital virtual currency transmitted by interlocking with the biometric authentication signal, characterized in that the presenter-receiver fingerprint / intravenous vein conversion device 600 can convert the digital fingerprint of the recipient or the vein into an electronic algorithm source. Issuance methods are also included.

It may be applied to the novel execution system of the present invention by using the above-described conventional technology.

The scope of protection of the present invention is not limited to the description and expression of the embodiments explicitly described above. In addition, it is once again pointed out that the scope of the present invention may not be limited by the obvious changes or substitutions in the technical field to which the present invention pertains.

100: Blockchain server
200: Blockchain-based digital virtual currency transaction guide server
211: Member list information DB
300: donor terminal
301: information output unit
310: Donor side blockchain-based digital virtual currency transaction app
400: recipient terminal
410: Blockchain-based digital cryptocurrency trading app for the beneficiary
510: Blockchain-based digital virtual currency transaction screen
511: Display amount of money
512: Instant Messenger option
513: text input field
200a: Integrated shooting authentication device
200b: Security authentication means
201: Object receiving unit
201a: Scan panel upper case
201b: Scan panel lower case
220, 230, 231: Image sensor
240, 241: infrared light source unit
250: scan panel
250a: fingerprint finger contact
250b: designated finger non-contact portion
260a: infrared side transmitter
260: infrared side emitting unit case

Claims (4)

A blockchain (Crypto-Currency) transaction method consisting of a donor terminal (300) and a donor terminal (400) that does not issue a currency with a blockchain structure that collects and encrypts transmission records made in a network.
First, the presenter terminal 300 is installed according to the donor's choice, the presenter-side blockchain-based digital virtual currency transaction app 310 or the hybrid web running app or web execution step (S110);
The donor terminal 300 outputs the blockchain-based digital virtual currency transaction screen 510 stored and managed through the executed donor-side blockchain-based digital virtual currency transaction app 310 through the information output unit 301. An information output unit display step of controlling the display (S120);
At this time, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of the virtual currency associated with the general matching program 340a, is converted in the general matching program 340a, and the fingerprint / point finger vein algorithm 415 ), The electronic algorithm source 416 provided is converted by the general matching program 340a, and they are fused by the electronic cryptographic source of the virtual currency and the electronic algorithm source of the fingerprint / designated vein by the matching program 344. The electronic algorithm source 416 of the fingerprint or finger vein of the donor is the electronic algorithm of the fingerprint or finger vein of the recipient by the blockchain-based digital virtual currency transaction guide server 200 while allowing the transaction as a basic unit of transmission. Fingerprint or finger vein authentication information matching judgment to determine whether the donor terminal 300 is matched with the electronic cryptographic source of the virtual currency and the electronic algorithm source of the fingerprint or finger vein with respect to the digital virtual currency that can be converted into a source. Step S130a;
After the fingerprint or finger vein authentication information matching determination step (S130a), the blockchain-based digital virtual currency transaction guide server 200 determines whether or not the insurer has purchased compensation insurance that compensates for damages in the event of a transaction defect ( S130b);
At this time, if the insurance is not enrolled in the insurance, the insurance subscription process is performed in step S130c to brighten the 'insurance procedure' according to the insurance policy.
Subsequently, the presenter terminal 300 displays the amount of money displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301, 511, instant messenger selection box 512, and text input field 513 ), When the transfer menu 514 is clicked while being input according to the input form, the digital input into the blockchain-based digital virtual currency transaction screen 510 through the donor-side blockchain-based digital virtual currency transaction app 310. Blockchain-based digital that collects the amount information of the virtual currency, the selected instant messenger identification information, and the personal information of the donor that is stored and managed to generate a transaction request signal for the donor and transmits it to the blockchain-based digital virtual currency transaction guide server 200 Virtual currency transaction guide transmission step (S130);
The blockchain-based digital virtual currency transaction app 410 on which the user terminal 400 is automatically executed generates a history information signal for authentication of a recipient including information about the recipient of the digital virtual currency having the blockchain, and Digital virtual currency transaction guide transmission step of transmitting it to the digital virtual currency transaction guide server (200) (S190);
At this time, pass the new history signal transmission step for authentication of the recipient (S190). The block chain-based digital virtual currency transaction guide server 200 determines whether or not the beneficiary has a compensation insurance that compensates for compensation for damages in case of a defect in the transaction (S190a);
At this time, if the compensation insurance is not subscribed to, the insurance signing up process step (S190b) is performed to brighten the 'insurance signing procedure' according to the insurance signing conditions;
Thereafter, the blockchain-based digital virtual currency transaction guide server 200 displays an insurance premium calculation step of displaying the premium based on the transaction amount and transaction amount of the virtual currency on the donor terminal 300 and the recipient terminal 400 on the screen ( S190c);
Thereafter, the blockchain-based digital virtual currency transaction guide server 200 determines whether the presenter or the beneficiary will pay the insurance premium based on the transaction amount and the transaction amount of the virtual currency to the presenter terminal 300 and the beneficiary terminal 400. Judging a premium payment judgment step (S190d);
Subsequently, when the block chain-based digital virtual currency transaction guide server 200 transmits a credential identification signal from the credential terminal 400, the credential information of the credential included in the credential identification signal is registered as a member list information DB. After matching with (211), after confirming that the beneficiary is a member, the electronic wallet list information DB 212 deducts the amount of the blockchain-based digital virtual currency amount stored in the donor's electronic wallet information by the amount to be presented to the beneficiary. After accumulating the amount of money on the blockchain-based digital virtual currency stored in the electronic wallet information of the beneficiary, the transaction information for the digital virtual currency transaction with the blockchain is generated based on this, and transmitted to the designated blockchain holding servers 100 Digital cryptocurrency transaction information transaction step (S200);
Subsequently, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of cryptocurrency associated with the global matching program 340a, is converted in the global matching program 340a, and the fingerprint / point finger vein algorithm 415 ), The electronic algorithm source 416 provided is converted by the general matching program 340a, and they are fused by the electronic cryptographic source of the virtual currency and the electronic algorithm source of the fingerprint / designated vein by the matching program 344. The electronic algorithm source 416 of the fingerprint or finger vein of the donor is the electronic algorithm of the fingerprint or finger vein of the recipient by the blockchain-based digital virtual currency transaction guide server 200 while allowing the transaction as a basic unit of transmission. For the digital virtual currency that can be converted into a source, the blockchain-based digital virtual currency transaction guide server 200 fingerprints the electronic cryptographic source and fingerprint of the virtual currency or the donor of the virtual currency matched with the electronic algorithm source of the designated vein. Or a fingerprint or vein authentication information conversion step (S210a) of determining whether or not there is a request to convert a voucher into a voucher according to the authentication signal of the vein, and converting the information thereof.
Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. A transaction authentication step of authenticating a transaction by authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a blockchain according to the authentication (S210);
A digital virtual currency transaction method for transmitting a digital virtual currency by compensation insurance in connection with a biometric authentication signal.
A blockchain (Crypto-Currency) transaction method consisting of a donor terminal (300) and a donor terminal (400) that does not issue a currency with a blockchain structure that collects and encrypts transmission records made in a network.
First, the presenter terminal 300 is installed according to the donor's choice, the presenter-side blockchain-based digital virtual currency transaction app 310 or the hybrid web running app or web execution step (S110);
The donor terminal 300 outputs the blockchain-based digital virtual currency transaction screen 510 stored and managed through the executed donor-side blockchain-based digital virtual currency transaction app 310 through the information output unit 301. An information output unit display step of controlling the display (S120);
At this time, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of the virtual currency associated with the general matching program 340a, is converted in the general matching program 340a, and the iris / face algorithm 415b. The electronic algorithm source 416 provided by is converted in the general matching program 340a, and they are fused by the electronic cryptographic source of the virtual currency and the electronic algorithm source of the iris / face by the matching program 344 to transmit the cryptocurrency. At the same time as the basic unit to be able to trade, the electronic algorithm source 416 of the donor's iris or face is converted into the electronic algorithm source of the iris or face of the recipient by the blockchain-based digital virtual currency transaction guide server 200 An iris or face authentication information matching determination step (S130a) for determining whether the presenter terminal 300 matches the electronic cryptographic source of the virtual currency and the electronic algorithm source of the iris for the digital virtual currency to be enabled;
After the iris or face authentication information matching determination step (S130a), the blockchain-based digital virtual currency transaction guide server 200 determines whether or not the donor has purchased compensation insurance that compensates for damages in case of a defect in the transaction (S130b) );
At this time, if the compensation insurance is not subscribed, the insurance subscription process is executed in step S130c to brighten the 'insurance procedure' according to the insurance coverage terms and conditions;
Subsequently, the presenter terminal 300 displays the amount of money displayed on the blockchain-based digital virtual currency transaction screen 510 displayed through the information output unit 301, 511, instant messenger selection box 512, and text input field 513 ), When the transfer menu 514 is clicked while being input in accordance with the input form, it is entered through the blockchain-based digital virtual currency transaction screen 510 through the donor-side blockchain-based digital virtual currency transaction app 310. Blockchain base that collects the amount information of digital virtual currency, optional instant messenger identification information and personal information of the donor that is stored and managed to generate a transaction request signal for the donor and transmits it to the blockchain-based digital virtual currency transaction guide server 200 Digital virtual currency transaction guide transmission step (S130);
The blockchain-based digital virtual currency transaction app 410, in which the terminal 400 is automatically executed, generates a new history signal for authentication of a recipient including information about the recipient of the digital virtual currency with the blockchain. And transmitting the digital virtual currency transaction guide to the digital virtual currency transaction guide server 200 (S190);
At this time, pass the new history signal transmission step for authentication of the recipient (S190). The block chain-based digital virtual currency transaction guide server 200 determines whether or not the beneficiary has a compensation insurance that compensates for compensation for damages in case of a defect in the transaction (S190a);
At this time, if the compensation insurance is not subscribed, the insurance subscription fulfillment step (S190b) to brighten the 'insurance procedure' according to the insurance coverage terms and conditions;
Thereafter, the blockchain-based digital virtual currency transaction guide server 200 displays an insurance premium calculation step of displaying the premium based on the transaction amount and transaction amount of the virtual currency on the donor terminal 300 and the recipient terminal 400 on the screen ( S190c);
Thereafter, the blockchain-based digital virtual currency transaction guide server 200 determines whether the presenter or the beneficiary will pay the insurance premium based on the transaction amount and the transaction amount of the virtual currency to the presenter terminal 300 and the beneficiary terminal 400. Judging a premium payment judgment step (S190d);
Subsequently, when the block chain-based digital virtual currency transaction guide server 200 transmits a credential identification signal from the credential terminal 400, the credential information of the credential included in the credential identification signal is registered as a member list information DB. After matching with (211), after confirming that the beneficiary is a member, the electronic wallet list information DB 212 deducts the amount of the blockchain-based digital virtual currency amount stored in the donor's electronic wallet information by the amount to be presented to the beneficiary. After accumulating the amount of money on the blockchain-based digital virtual currency stored in the electronic wallet information of the beneficiary, the transaction information for the digital virtual currency transaction with the blockchain is generated based on this, and transmitted to the designated blockchain holding servers 100 Digital cryptocurrency transaction information transaction step (S200);
Subsequently, the electronic cryptographic source 316 provided in the first file 315a, which is the basic unit of virtual currency associated with the general matching program 340a, is converted in the general matching program 340a, and the iris / face algorithm 415b. The electronic algorithm source 416 provided by is converted in the general matching program 340a, and they are fused by the electronic cryptographic source of the virtual currency and the electronic algorithm source of the iris / face by the matching program 344 to transmit the cryptocurrency. At the same time as the basic unit to be able to trade, the electronic algorithm source 416 of the donor's iris or face is converted into the electronic algorithm source of the iris or face of the recipient by the blockchain-based digital virtual currency transaction guide server 200 For the digital virtual currency that can be used, the blockchain-based digital virtual currency transaction guide server 200 transmits the cryptocurrency donor matching the electronic cryptographic source of the virtual currency and the electronic algorithm source of the iris to the iris or face authentication signal. Determining whether there is a request to convert a donor by a donor, and converting the information of the donor-donor's iris or face authentication information (S210b);
Subsequently, when the designated individual blockchain holding server 100 transmits the transaction information for the digital virtual currency transaction having the blockchain, the blockchain-based digital through verification of the transaction information for the digital virtual currency transaction having the transmitted blockchain. A transaction authentication step of authenticating a transaction by authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a blockchain according to the authentication (S210);
A digital virtual currency transaction method for transmitting a digital virtual currency by compensation insurance in connection with a biometric authentication signal.
According to claim 1 or claim 2, After the block chain-based digital virtual currency transaction information transmission step (S130), the block chain-based digital virtual currency transaction information server 200 from the presenter terminal 300, a request signal for a donor transaction When it is sent, it matches the personal information of the presenter included in the transaction request signal for the presenter with the member list information DB 211, confirms that it is a member, and then guides to recognize the beneficiary who is receiving a digital virtual currency with a blockchain. Generating a URL (A) for recognition of the recipient and transmitting it to the presenter terminal 300, the URL (A) for the recipient recognition (S140);
Thereafter, when the donor terminal 300 transmits a URL (A) for recognition of a recipient from the blockchain-based digital virtual currency transaction guide server 200 through the presenter-side blockchain-based digital virtual currency transaction app 310, the selected instant The presenter's instant messenger instant messenger URL (A) is inserted into the automatically executed donor's instant messenger while the donor's instant messenger corresponding to the messenger identification information is controlled to be automatically executed. Displaying the URL display guide screen for the presenter-side instant messenger to control to be output through the (301) (S150);
Subsequently, when the presenter terminal 300 designates a recipient instant messenger account through the presenter-side instant messenger requesting the delivery of the recipient's URL (A) through the presenter-side instant messenger, the presenter-side instant messenger designation screen for the presenter A step (S160) of transmitting a URL (A) for recognizing a recipient to transmit a URL (A) for recognizing the recipient to the recipient terminal 400 corresponding to the account;
Subsequently, the recipient terminal 400 controls the recipient to display the URL display guide screen for the instant messenger instant messenger URL (A) in which the recipient recognition URL (A) transmitted through the instant messenger side is displayed through the information output unit 401. Displaying the URL display guide screen for the instant messenger (S170);
At this time, when the recipient terminal 400 clicks the URL (A) for recognition of the recipient displayed on the instant messenger on the recipient's side, in conjunction with this, the application automatic execution step of automatically running the blockchain-based digital virtual currency transaction app 410 (S180);
A method of trading a digital virtual currency by transmitting the digital virtual currency by compensation insurance in connection with a biometric authentication signal, further comprising a.
The method of claim 1 or 2, wherein the blockchain-based digital cryptocurrency transaction app (310) divides any one of a fingerprint, a finger vein, an iris, and a face image into each pixel, and each pixel is a fingerprint, finger vein. , Digital fingerprint currency by compensation insurance interlocked with biometric authentication signal, characterized by transmitting fingerprint, finger vein, iris and face information data by binary data output as digital electric signal depending on the presence or absence of iris and face pattern Digital cryptocurrency trading method.

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