KR102178074B1 - Method for remitting blockchain-based virtual currency using financial businessusing virtual account - Google Patents

Abstract

The present invention is to form a system in which virtual currency can be freely traded using a virtual account, and one or more accounts that connect the representative account (mother account) of the affiliated institution opened in the affiliated bank and the real customer account of the affiliated institution. By using virtual accounts, the business network of banks nationwide or/and the business network of a second financial institution affiliated with the bank or/and the business network of general institutions or financial services through the Internet, the virtual currency can be expanded to the business area of the affiliated institution. Provides a financial business processing method using a virtual account as possible, registers a security authentication method when opening a virtual account, allows a virtual account transaction to occur or a final payment is made by the security authentication method, and fingerprint/ In order to narrow the error range for the finger vein/iris/face recognition rate, each recognition rate is reduced, and when determining whether or not to be authenticated by the combination type, the speed of determination of authentication is accelerated, and the manufacturing of recognition judgment equipment is improved. will be.

Description

Virtual currency transaction method linked to a virtual account by biometric authentication {METHOD FOR REMITTING BLOCKCHAIN-BASED VIRTUAL CURRENCY USING FINANCIAL BUSINESSUSING VIRTUAL ACCOUNT}

The present invention relates to a virtual currency transaction method that is linked with a virtual account by biometric authentication, and in particular, a second financial institution that requires affiliation with a banknote for virtual currency, and affiliated institutions that need to aggregate funds or similar work for each industry , Using a virtual account that has the same or similar structure as the real account used in banknotes, it is possible to process financial business through the financial settlement center common network or/and the Internet, public network, and dedicated network, and furthermore, deposit and withdrawal through biometric authentication. By doing so, it relates to a virtual currency transaction method that is linked with a virtual account by biometric authentication that can expand the business area of affiliated institutions and provide more convenient services to customers, as well as ensure the safety of transactions.

In the conventional case, in Registration Patent No. 10-0457099, in order to use the business network of banknotes, an account number must be given from each banking business, and there are various restrictions in order to use the business network of banknotes in second financial institutions such as securities companies, investment trust companies, and insurance companies. Conditions followed. For example, automatic teller machines for financial services are currently configured to be operated by applications supported by specific financial institutions.

Even when a banknote and a second financial institution work in partnership, in the case of a specific bank, the second financial institution does not make its own transaction, but the transaction is subordinated to the bank transaction.

Therefore, from the position of the second financial institution, there were problems such as having to use the financial products used by banks as they are or to accept all of the unreasonable fee payment systems unilaterally set by the bank.

However, in reality, companies that require CMS or other similar business such as second financial institutions, construction companies, oil refineries, distribution stores, etc., have a lot of work that requires absolute use of the broad business network of the banking sector. A method of processing financial business using a virtual account is being sought as a way to smoothly handle such business by companies that need to do business through partnership with

Of course, there are still ways to use virtual accounts. However, this means that if the bank's account system is notified to an affiliated institution (a second financial institution and a company that needs to be affiliated with the bank due to the need for fund collection or other similar business), the affiliated institution will open the virtual account notified from the affiliated bank. Issue a recorded card (for example, a securities card independently issued and used by a securities company) to its customers.

In this way, not only affiliated banks, but almost all banks' automatic teller machines can be used, and from the perspective of affiliated institutions, the inconvenience of having to partner with several banks can be reduced.

However, since the account system of the affiliated bank is recorded on the card of the affiliated institution and is issued to the customer of the affiliated institution, it is judged that it is difficult to cancel the contract if the number of issued cards increases. There was a fear of making a request.

As shown in the drawings of the prior invention, these objects, features and advantages of the prior invention will be more easily understood by referring to the accompanying drawings and the following detailed description.

The following conventional invention relates to a representative account opened by an affiliated bank at a request from an affiliated institution and a number of or/and one customer real accounts (accounts verified by the affiliated institution) of the affiliated institution, thereby connecting the common network of the Financial Settlement Service. As a preferred embodiment, a method of processing financial business using a virtual account that processes deposit or/and withdrawal through the Internet, public network, private network, etc. and manages the transaction information is proposed as a preferred embodiment.

In the conventional specification, the term financial business includes deposit and withdrawal business using cash or checks, various types of cards, and credit card approval and payment, credit card cash service business, payment business in electronic commerce, settlement and collection of funds, etc. It is collectively called.

In the specification of the prior invention, in particular, the case of a virtual account service server linked based on a communication network connected to affiliated banks and affiliated institutions and an automated teller machine (ATM), and electronic financial channels and information and communication networks leading to affiliated financial institutions was described. It goes without saying that the technical idea of the design is not limited or limited thereto, and may be modified and variously implemented by those skilled in the art.

1 is an explanatory diagram showing a concept of a method for processing financial business using a virtual account according to the prior invention, a representative account opened at a partner bank at a request from an affiliated institution, and a customer whose real name was confirmed at the affiliated institution Between the real (name) account opened for the target and the virtual account given in connection with the representative account of the affiliated bank, and through it, deposit transactions from the affiliated institution to the representative account and withdrawal transactions from the representative account are made. It shows one real (name) account that is connected to each other.

2 is an explanatory diagram showing another concept of a method for processing financial business using a virtual account according to the prior invention, with a representative account opened at a partner bank at a request from an affiliated institution, and the representative account as a parent account 1: It shows a number of virtual accounts that are assigned by turning N. In this case, the plurality of virtual accounts provide only deposit transactions to the representative account.

3 is a schematic structural block diagram of a financial business processing system using a virtual account according to the prior invention, a virtual account service server 100 for registering and managing a virtual account given from an affiliated bank, and the server 100 The configuration of a financial business processing system in which the computer 20 of the affiliated bank, the computer 30 of the affiliated institution, and the information communication network 40 are connected is shown. Here, the computer is a computer equipped with an application for managing virtual accounts.

Referring to FIG. 3, the virtual account service server 100 requests and receives a virtual account from a computer of the affiliated bank to open a virtual account using the representative account opened in the affiliated bank as a mother account. In addition, the real account information of the affiliated institution customer related to the issued virtual account is linked and registered and managed.

In addition, a business logic server (BLS server), communication server (C/S server), etc. are provided to support deposit or withdrawal transactions for the representative account requested using the virtual account. It is connected to each computer (20) (30) and information communication network (40). The virtual account service server 100 includes a virtual account management module 110 and a financial transaction relay module 120.

The virtual account management module 110 requests the affiliate bank to open a virtual account that connects the customer real account opened in the affiliated institution with the representative account opened in the affiliated bank as a mother account, and opens a virtual account from the affiliated bank's computer. It is issued and registered and managed in the virtual account management database 111. It goes without saying that the virtual account management module 110 can register and manage by connecting a plurality of virtual accounts to one representative account.

The financial transaction relay module 120 checks whether a financial transaction request using the virtual account registered in the virtual account management database 111 is generated from any user, and the validity of the virtual account with the financial transaction request and the request It verifies the possibility of the financial transaction that has been made possible through the computer of the affiliated institution or/and the affiliated bank, requests processing of the financial transaction to the representative account of the affiliated bank according to the verification result, and notifies the result of the transaction to the user. .

The financial transaction relay module 120 is communicatively connected to the computer 20 of the affiliated bank, and a business network established in the affiliated bank (business point terminal 23 or/and the cash dispenser 24 of the affiliated bank) or/and Financial business using a virtual account generated from the automatic teller machine (22) can be processed, and the financial transaction relay module (120) is a business network of other banks (the business terminal of another bank) through the KFTC (10) common network. (53) Or/and the cash dispenser 51 or/and the automatic teller machine 52) can handle all financial business using a virtual account. In addition, the financial transaction relay module 120 is communicatively connected to the computer 30 of the affiliated institution, and a business network built in the affiliated institution (business point terminal 33 of the affiliated institution or/and the cash dispenser 34 or/ And it is possible to process financial business using a virtual account generated from the automatic teller machine (32).

In addition, the financial transaction relay module 120 is an information communication network 40 such as the Internet, a leased line, and a public network, and an automatic teller machine (ATM) 41, and/or a Web-TV, PCS, PDA It is possible to establish its own business network by connecting various electronic financial channels 42, such as, or/and other affiliated institutions 43, and process financial business using virtual accounts generated from its own business network. Of course, the computer 20 of the affiliated bank and the computer 30 of the affiliated institution are used to store transaction information for the representative account in which deposit/withdrawal transactions are made through the virtual account supported by the virtual account service server 100, respectively. It goes without saying that the representative account database 21 and the virtual account database 31 are respectively constructed.

The virtual account is a virtual identification number that supports electronic financial service business with an affiliated institution, and has the same or similar structure as a real account used in a bank note, and a new business code is assigned to the account number so that it can be distinguished by a terminal or system. Or, it is configured by assigning a specific store code to the account number.

Also, the virtual account may be inserted and granted in the membership card when issuing the membership card. 4 is a reference diagram for explaining the operation of the virtual account service server of FIG. 3 and the affiliated institution's computer as an example. The virtual account service server 100 is a number of virtual accounts requested from the computer 30 of the affiliated institution. It is shown that the account is created in 1:N from the representative account of the affiliated institution already opened in the affiliated bank, and the affiliated institution computer 30 can give a plurality of virtual accounts to one representative account.

In this way, a number of virtual accounts are given to members by writing 1:N from one representative account, and when each member deposits the related funds into the virtual account through another bank or information and communication network, the funds will be transferred to the representative account of the affiliated institution. It provides electronic financial services that facilitate fund collection, settlement, and accounting management by providing deposit information and deposit information of virtual accounts to affiliated institutions.

The above virtual account is to provide a virtual account that can be used in banknotes for customers whose real name has been verified by a partner institution (if the partner institution is a second financial institution) in connection with the bank. 2 By using the real name of the financial institution, the second financial institution's business store gives the customer the account information of the second financial institution and the virtual account of the bank that can be used in banknotes by interconnecting the systems.

Secondary financial institution customers can use these virtual accounts to freely deposit and withdraw money into the customer's deposit accounts of second financial institutions through business terminal terminals, automated devices, or electronic financial channels of banks nationwide.

A detailed description of the financial business processing process using a virtual account according to the prior art as described above will be described in detail with reference to the flowchart of FIG. 5.

5 is a flow chart of a representative account opening performed by an affiliated bank in response to a request from a conventional affiliated institution.

The virtual account service server 100 may be mounted on a business logic server or/and a communication server of an affiliated bank, and may be configured as an individual server.

In the following financial business processing operation, a case where it is mounted on the business logic server or/and the communication server of the affiliated bank will be described as an example.

5, when there is a request to open a representative account from an affiliated institution, the affiliated bank receives a request to open a representative account (S511), opens a representative account (S512), and notifies the result to the affiliated institution (S513) By doing so, affiliated institutions can accept representative accounts opened at affiliated banks.

However, in the prior art, a virtual account is used in the representative account, and the deposit and withdrawal of the transaction amount is using a PC, etc., which everyone uses, so the bank controls the deposit and withdrawal of the deposit and withdrawal in 3 to 5 layers such as a security certificate. There were many concerns that anyone could access and be hacked by accidentally leaking passwords, etc.

Moreover, since there is no system in place to freely trade virtual currency, the inconvenience of users who try to use it continues.

The present invention was devised to solve these problems, and the present invention is to form a system in which virtual currency can be freely traded using a virtual account, and is affiliated with the representative account (mother account) of the affiliated institution opened in the affiliated bank. Using one or multiple virtual accounts that connect the real accounts of the institution's customers, the business network of banks nationwide or/and the business network of a second financial institution affiliated with the bank or/and the business network of a general institution or through the Internet By doing so, it provides a financial business processing method using a virtual account that enables the expansion of the business area of the affiliated institution with the virtual money, and registers a security authentication method when opening a virtual account, and a virtual account transaction occurs by the security authentication method. The purpose is to allow the final payment to be made.

In addition, as a security solution, each recognition rate is reduced to narrow the error range for the recognition rate of fingerprints/finger veins/iris/faces, and when determining whether or not to be authenticated by the combination type, the speed of determination of authentication is accelerated, and the recognition judgment equipment Its purpose is to improve to facilitate the manufacture of.

In the present invention, when a transaction for a virtual account occurs at a specific user (national bank, affiliated institution, automatic teller machine, electronic financial channel) (S711a), the affiliated bank checks the validity of the virtual account and the affiliated institution having the representative account of the virtual account. Sequentially verifying (S711, S712), verifying whether the requested financial transaction is possible (S713), and then requesting processing of the transaction to an affiliated institution (S714); A virtual currency (coin) wallet login step (S2100) of turning on the corresponding homepage and logging in to the homepage for the virtual currency wallet (S2100) when the affiliated institution requests the transaction (S714); After logging in to the homepage for the virtual currency wallet, inputting an email address (S2110); Inputting a password in the guide window for the virtual currency wallet (S2120); After entering a password in the guide window for the virtual currency wallet, providing a balance confirmation screen for confirming the balance of the virtual currency (S2200); Starting to transfer the virtual currency on the balance confirmation screen in which the balance of the virtual currency is confirmed (S2210); Providing a remittance guide screen providing a screen guiding the remittance procedure from the coin wallet (S2400); A selected recipient coin wallet address input step (S2410) of clicking in the'address input' display field to input the recipient's coin wallet address when sending the coin to the recipient's coin wallet address selected in the step of providing the remittance guide screen (S2410); Remittance input step of inputting the remittance amount after entering the coin wallet address of the selected recipient (S2420); A remittance button click step of clicking a remittance button to remit money after inputting the remittance amount (S2430); After linking the virtual currency wallet with the virtual account to process the transaction of the virtual account requested in the remittance button click step (S2430) (S717), the result is notified to the affiliated bank again (S718), and the affiliated bank The transaction processing result is received (S719) and the requested transaction details are determined through the virtual account (S720), and if the transaction corresponds to the deposit/withdrawal transaction as a result of the determination, the deposit/withdrawal transaction is processed in the representative account, the parent account of the virtual account ( After S721), the processing result is notified to the user (S722). This is a virtual currency transaction method linked with a virtual account by biometric authentication.

In the present invention, in the step of starting the transfer of the virtual currency (S2210), if the transfer button for additionally starting the transfer of the virtual currency is clicked, a phone number selection screen for selecting the phone number of the recipient is provided ( S2300); A recipient phone number selection step of selecting a recipient's phone number on the phone number selection screen (S2310); A shop button clicking step (S2320) of selecting the recipient phone number and clicking a shop (#) button; After clicking the shop (#) button, a coin purse address registration verification step (S2330) of checking whether the coin purse address is matched with the phone number; It is a virtual currency transaction method linked to a virtual account by biometric authentication, characterized in that it further comprises.

In the present invention, after logging in to the homepage for the cryptocurrency wallet, the step of entering an email address (S2110) and the step of entering a password in the guide window for the cryptocurrency wallet (S2120) are biometric authentication means. It is a virtual currency transaction method that is linked with a virtual account by biometric authentication.

In the present invention, the fingerprint conversion device as the biometric authentication means is characterized in that when the fingerprint comes into contact, the ridges and furrows of the fingerprint are separated and converted by binary data output as a digital electrical signal. It is an interlocked virtual currency transaction method.

In the present invention, the finger vein conversion device as the biometric authentication means divides the image of the capillary blood of the finger obtained through the preprocessor to visualize the image of the capillary blood into matrix blocks, and according to the presence or absence of the divided capillary image. It is a virtual currency transaction method that is linked with a virtual account by biometric authentication, characterized in that it is converted by binary data output as a digital electrical signal for each block.

In the present invention, as the biometric authentication means, the iris conversion device divides one iris image into each pixel, and each pixel is converted by binary data output as a digital electrical signal according to the presence or absence of an iris pattern. This is a virtual currency transaction method that is linked to a virtual account by authentication.

In the present invention, the face conversion device as the biometric authentication means divides each pixel into each pixel according to the facial image normalization according to the feature points of the eye position and surrounding detailed information for one face image, and converts the binary data output as a digital electrical signal. It is a virtual currency transaction method linked with a virtual account by biometric authentication, characterized in that it is converted by.

As discussed above, the present invention has an effect of eliminating inconveniences of users by forming a system in which virtual currency can be freely traded by using a virtual account, and from the perspective of customers, banks and other banks, PC banking, Internet banking, and phone You can get the convenience of various deposit functions such as banking, and from the side of affiliated institutions, you can get the effect of establishing a network network for financial institutions nationwide, and efficient fund management is possible by automating the payment of purchaser money. It has the advantage of facilitating computer development such as convenient remittance functions such as refund funds and lump sum remittances, and it is possible to digest between tasks by automating accounting tasks.

Subsequently, in providing a financial business processing method using a virtual account, a security authentication means is registered at the time of opening a virtual account, and a virtual account transaction occurs or a final payment is made by the security authentication means. The security enhancement effect was remarkable.

In addition, in the payment method of virtual currency, the address of the electronic wallet linked to the phone number of the smartphone by another person is matched with the shop number of the smartphone to be connected so that simple payment can be made, and this is displayed in the input window of the electronic wallet address. It is useful for security as well as simple payment that allows you to accurately remit the contracted cryptocurrency by inputting it, as well as through authentication of your own fingerprint.

1 is an explanatory diagram showing a concept of a method for processing financial business using a virtual account according to the prior invention
Figure 2 is an explanatory diagram showing another concept of a method for processing financial business using a virtual account according to the prior invention
3 is a schematic block diagram of a financial business processing system using a virtual account according to the prior invention
FIG. 4 is a reference diagram for explaining the operation of the virtual account service server of FIG. 3 and the affiliated institution computer
5 is a flow chart of opening a representative account conducted by a conventional partner bank
6 is a flowchart of opening a virtual account through an affiliated institution and an affiliated bank of the present invention
7 is a flowchart of another embodiment for explaining a method for processing financial business using a virtual account according to the present invention
8 is a flow chart of an embodiment for explaining a method for processing financial services using a virtual account according to the present invention
9 is a diagram showing an input/output integrated module for linking an algorithm between a fingerprint and a finger vein.
10 is a flowchart for requesting registration of a fingerprint and a finger vein.
11 is a flow chart (1) of an embodiment for explaining a method for processing financial business of virtual currency using a virtual account according to the present invention.
12 is a flow chart (2) of an embodiment for explaining a method for processing financial business of virtual currency using a virtual account according to the present invention.
13 is a flow chart (3) of an embodiment for explaining a method for processing financial business of virtual currency using a virtual account according to the present invention.
14 is a flowchart (4) of an embodiment for explaining a method of processing a financial business of virtual currency using a virtual account according to the present invention.
15 is a flowchart of another embodiment for explaining a method of processing a financial business of virtual currency using a virtual account according to the present invention.
16 shows an image of logging in to the homepage for the virtual currency wallet of the present invention.
17 shows an image of a balance check screen for a virtual currency wallet of the present invention.
18 shows an image of a screen for copying and pasting a recipient's electronic wallet address into the virtual currency wallet of the present invention and inputting a remittance amount.
19 shows an image of a screen of clicking the transfer button in the virtual currency wallet of the present invention.
20 shows an image of a screen for confirming a remittance amount, such as a recipient confirmation, to a virtual currency wallet of the present invention.
Fig. 21 shows an image of a screen subtracted from the wallet balance after remittance to the virtual currency wallet of the present invention is completed.
22 shows an image of a screen recording the remittance details when the transaction menu is clicked after remittance is completed to the virtual currency wallet of the present invention.
FIG. 23 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and digital processing circuit of the prior art first invention are applied, and FIG. 24 is a block diagram showing the configuration of a single-chip fingerprint recognition device according to the second invention. , FIG. 25 is a block diagram showing a single-chip implementation example of a fingerprint recognition apparatus according to the second invention, and FIG. 26 is an exemplary view comparing fingerprint recognition using a specific point of a fingerprint.
FIG. 27 is a flowchart illustrating an operation process of a biometric security device according to an embodiment of the present invention, and FIG. 28 is a diagram illustrating setting a reference point of an effective area during capillary imaging, and FIG. 29 is a diagram illustrating an image segmentation and binarization process of a preprocessor.
FIG. 30 is a block diagram showing an iris recognition apparatus using a camera for short-range iris photographing according to an embodiment of the conventional iris invention applied to the present invention, and FIG. 31 is a block diagram according to an embodiment of the conventional iris invention applied to the present invention. A flow chart for explaining an iris recognition method using a near-field iris photographing camera, and FIG. 32 is a method of normalizing to binary data in an iris recognition method using a near-field iris photographing camera according to an embodiment of the conventional iris photographing applied to the present invention It is a figure for explaining.
33 is an explanatory diagram of the muscle structure of the eye of the prior invention applied to the present invention, and FIG. 34 is a simplified configuration diagram of a face image of the prior invention applied to the present invention, showing a method for measuring positions and distances Is also.
35 is an external view of a finger vein pattern input device, which is an embodiment of the prior invention applied to the present invention, and FIG. 36 is a cross-sectional view of FIG. 35 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 the present invention through preferred embodiments of the present invention described with reference to the accompanying drawings.

In addition, in the present invention, the meaning of "fingerprint and finger vein authentication" means "when two authentications are to be performed at the same time" and "when one passes through a program, when one is rejected, the After that, it is interpreted as selecting any one of "to receive certification of the next one".

To explain this in more detail, when authentication is performed with the concept of two "and", and in another interpretation, when two or more of the same finger veins are registered in the same bank during the authentication of finger veins, the authentication is rejected. If the MAC authentication is passed and then the fingerprint authentication is performed, it is determined that no one with the same finger vein is the same up to the fingerprint, and thus the probability of misrecognition can be extremely limited.

6 is a flowchart of a virtual account opening through an affiliated institution and an affiliated bank according to the present invention, and FIG. 7 is a flow chart of an embodiment for explaining a method for processing a financial business using a virtual account according to the present invention.

6 is a flow chart of opening a virtual account through an affiliated institution and an affiliated bank at the request of a customer, which is executed by both the affiliated organization and the affiliated bank centering on the virtual account service server.

Referring to FIG. 6, when a virtual account request is received from a customer, the affiliated institution first inputs the virtual account opening data while registering a fingerprint or/and a finger vein with a finger using the integrated fingerprint and finger vein photographing device 200a ( S611) is received, and at this time, it is determined whether the fingerprint or/and finger vein is registered with the finger by the integrated photographing device 200a of the fingerprint and finger vein (S611a), and then the data is verified along with other data (S612). Then, it transmits to the affiliated bank along with the customer's real (name) account information, and requests to open a virtual account for the data (S613).

The affiliated bank receives the virtual account opening data (S614) and verifies whether a virtual account can be opened (S615), and then opens a virtual account linked to the previously opened representative account and the real (name) account information of the affiliated institution (S616). ) To be managed in their representative account database, and the result is notified to the affiliated institution (S617).

Again, the affiliated institution receives the notification data (S618) and records and manages the virtual account information, the real (name) account of the customer, and the representative account of the affiliated bank in its own database (S619) and manages the virtual account number. If necessary, use an intermediary such as a card to hand over to the customer.

7 is a flow chart of an embodiment for explaining a method for processing financial business using a virtual account according to the present invention. After the affiliated organization opens a representative account under the name of the affiliated institution at the affiliated bank, the affiliated institution customer While receiving a virtual account linked to this real account, requests for deposit and withdrawal from a specific place of use are made through a common network of other banks connected to the Korea Financial Telecommunications and Payment Center or an information communication network connected to the virtual account service server (Internet, public network, dedicated network, etc.). If there is, the method is shown to allow deposit to and withdrawal from the representative account opened in the affiliated bank through the virtual account.

7 is a flow chart of another embodiment for explaining a method for processing financial business using a virtual account according to the present invention, in which a business is allied to use a virtual account for a special purpose (for example, fund collection, fee collection, etc.) The institution opens a representative account in the name of the affiliated institution at the affiliated bank, and a plurality of virtual accounts linked to the representative account is given by the affiliated institution to a plurality of customers, respectively.

Then, when there is a request for deposit or withdrawal using the virtual account from a specific user through a common network of other banks connected to the KFTC or an information communication network connected to the virtual account service server (Internet, public network, dedicated network, etc.), the virtual account It shows how to make deposit or withdrawal to the representative account linked to the account through an affiliated bank.

This method makes it possible to accurately recognize the detailed information deposited to the representative account by the corresponding customers who need to aggregate the funds used regardless of the real name verification.

Referring to FIG. 8, when a transaction for a virtual account occurs at a specific place of use (national banks, affiliated institutions, automatic teller machines, electronic financial channels, etc.) (S811a), first, the affiliated bank takes integrated photographs of fingerprints or/and finger veins from customers. When the fingerprint or/and finger vein is input by the device 200a (S811b), and it matches the registered fingerprint or/and the finger vein (S811c), the affiliated bank opens a representative account linked to the virtual account. After verifying (S811, S812) the validity of the affiliated institution and the virtual account to have transaction availability (whether it is a properly affiliated institution or a properly granted and registered virtual account) (S813), the virtual account The transaction requested through is directly processed (S814).

Then, the transaction requested through the virtual account is determined (S815), and if the transaction corresponds to a deposit or withdrawal transaction, the deposit or withdrawal transaction is processed in the representative account, which is the parent account of the virtual account (S816). Thereafter, the transaction information processing result is recorded in the representative account database managed by the user (S817), and the transaction information processing result is notified to the affiliated institution (S818). Accordingly, the affiliated institution receiving the transaction information processing result (S8 19) processes the transaction information (S820) and then notifies the transaction information processing result to the affiliated bank (S821).

The affiliated bank receives the processing result from the affiliated institution (S822), and initially notifies the processing result of the affiliated institution and the affiliated bank to the customer of the user who requested the transaction through the virtual account (S823).

Even at this time, the step of processing the deposit and withdrawal of the representative account at the affiliated bank may vary according to the details of a prior contract with the affiliated institution. For example, it is possible to process deposits and withdrawals in real time at each transaction, and it is of course possible to process deposits and withdrawals by batch processing at the end of each transaction or after setting a limit for a specific fortune period.

Here, the affiliated institutions that need to collect funds include construction companies, distribution stores, refineries, etc.For example, a construction company opens a representative account and then a virtual account that the construction company can recognize to the customer who received the sale of an apartment (for example, each After issuing and issuing a card containing information on the number of apartments sold to customers), and then receiving funds using a virtual account at a nationwide bank store, automatic teller machine, or various electronic financial channels Let it be.

The virtual account is transferred in real time from the affiliated institution to the computer of the affiliated bank when a member is new or requested, and a virtual account is collected for each case, or a virtual account is collected as necessary and managed by the affiliated organization. Of course, it is possible to recruit.

In addition, as the deposit/withdrawal method using a virtual account in the above, affiliated banks and affiliated institutions, counters to other banks nationwide, automated devices (CD/ATM), PC banking, internet banking, phone banking, etc. In addition, if there is any other sales business, virtual accounts can be given to businesses (including business associates) or agents and used for fund management.

Next, a stereoscopic photographing apparatus that simultaneously authenticates a fingerprint and a finger vein applied to the financial transaction system of the virtual account will be described.

In particular, it relates to a stereoscopic photographing device that simultaneously authenticates a fingerprint and a finger vein, created to be applied to the National Intelligence Service and financial transaction systems that require extreme security by integrating and simultaneously authenticating a finger fingerprint and a finger vein.

This has the same meaning as'security authentication means using a fingerprint or/and finger vein', and its structure and function are the same.

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

9 is a diagram showing an input/output integrated module for linking an algorithm of a fingerprint and a finger vein, and FIG. 10 is a flowchart for requesting registration of a fingerprint and finger vein.

As shown in FIG. 9, the input/output integrated module U1 for simultaneously linking the fingerprint and finger vein algorithms includes a fingerprint module U2, a finger vein module U3, and a conversion module U4.

First, the fingerprint module U2 will be described.

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

Here, 232 communication refers to the serial communication standard.

The following describes the finger vein module (U3).

GND line 1 of the finger vein module (U3) serves as a reference of (-) voltage and serves as a 0V ground, and line A is a serial communication standard RS485 communication port A, which receives and transmits 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 a +5V voltage based on the (+) voltage of the power circuit. After penetrating a finger with an infrared LED, the camera image sensor scans the vein and compares it with the previously stored vein image, and if there is a person with the same image, serial communication of the person's registered authentication code (here, 485 communication is applied as an example) Output as

Here, 485 communication refers to the serial communication standard.

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

GND 1 line on the left side of the conversion module (U4) serves as a standard of (-) voltage and serves as a 0V ground, and line A is a serial communication standard RS485 communication port A, which receives and transmits 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 used to input +5V voltage based on (+) voltage. The above configuration is a finger vein module. It receives 485 communication output from and converts it into 232 communication and outputs it.

In addition, DI line 5 on the right side of the conversion module (U4) is a serial 232 communication receiving port, which functions to receive data, and RE line 6 is a 485 communication control port, which controls the transmission/reception status of the 485 communication module. It functions, and DE line 7 is a 485 communication control port, which controls the transmission/reception status of the 485 communication module, and RO line 8 is a serial 232 communication transmission port, which transmits commands. It is linked 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, which functions to transmit data to a computer, and the D0/RX line 2 is a serial 232 communication reception port, which functions to receive data from a computer. , GND Line 4 is a standard of (-) voltage and serves as a 0V grounding function, D2 Line 5 is a fingerprint module (U2) serial 232 communication transmission line, which transmits commands to the fingerprint module, and D3 6 Line No. 1 is the fingerprint module (U2) serial 232 communication reception line, which functions to receive the status value of the fingerprint module, and D8 line 11 is the serial 232 communication transmission port of the 485-232 communication conversion module (U4), designated. It controls the MAC module (U3), D9 line 12 is the 485 communication control port of the 485-232 communication conversion module (U4), and controls the transmission/reception status of the 485 communication module, and D10 line 13 Is the 485 communication control port of the 485-232 communication conversion module (U4), which controls the transmission and reception status of the 485 communication module, and D11 line 14 is the serial 232 communication reception port of the 485-232 communication conversion module (U4). As a function of reading the state of the finger vein module (U3), the 5V line 27 is a (+) voltage 5V output PIN, and the fingerprint module (U2), finger vein module (U3), and 485 communication conversion module (U4) ), and the GND line 29 serves as a reference for the (-) voltage and serves as a 0V grounding function, and the VIN line 30 serves as a reference for the (+) voltage and inputs the +5V voltage. , The above configuration includes a fingerprint authentication code (a unique number of a customer whose fingerprint is registered) output from the fingerprint module U2, and a finger vein authentication code output from the finger vein module (U3) (of a customer whose low vein is registered). The identification number) is converted into 232 communication in the conversion module (U4) and received by the integrated module (U1) so that any one of a fingerprint and a finger vein authentication code can be output via USB, or the fingerprint module (U2) ) And the fingerprint authentication code output from the finger vein module (U3). When the finger vein authentication code is received by the integrated module U1 and the fingerprint and the finger vein authentication code match each other, the authentication code is output to the USB.

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

int getfingerauthorization(int fingerprintcode,int fingerveincode)

{

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

{

return fingerprintcode;

}

return 0;

}

The algorithm is an algorithm that accepts the fingerprint authentication code and the 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.

Looking at more details, it is as follows.

When there is a person matching the fingerprint by searching the fingerprint in the fingerprint module U2, the code number of the person is output.

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

The fingerprint code of the fingerprint module (U2) and the finger vein code of the finger vein module (U3) are respectively input as fingerprintcode and fingerveincode, which are arguments of the function name getfingerauthorization of the above algorithm, so that both argument values are valid, and both are registered. When the registered customer's identification number matches, the fingerprint and finger vein integration module outputs the person's code.

In addition, when the fingerprint code and the finger vein code are invalid or do not match, an error code of 0 is output.

The following describes the procedure for registering, authenticating, and deleting fingerprints and finger veins by the reader or bank.

First, as a step of registering a fingerprint and a finger vein as shown in FIG. 10, a registration request is made from the fingerprint and finger vein reader (S311).

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

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

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

In order to measure the accuracy of these three times of fingerprint and finger vein registration, it is determined whether or not all three scan images match (S315).

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

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

Next, registration and deletion of fingerprints and finger veins can be made according to the prior patent application of the present inventor.

As described above, if the fingerprint and finger vein are operated by a self-storage reader or by a method of registering, authenticating, and deleting at a bank, the recognition degree of the fingerprint and finger vein is further increased, and the operation thereof is simplified.

The following describes how to process virtual currency financial services using virtual accounts.

11 is a flow chart (1) of an embodiment for explaining a method of processing financial business of virtual currency using a virtual account according to the present invention, and FIG. 12 is a flowchart illustrating a method of processing financial business of virtual currency using a virtual account according to the present invention. An exemplary flow chart (2) for explaining, and FIG. 13 is a flow chart (3) of an embodiment for explaining a method of processing financial business of virtual currency using a virtual account according to the present invention, and FIG. 14 is An embodiment flow chart (4) for explaining a method for processing financial business of virtual currency using a virtual account, and FIG. 15 is a flow chart of another embodiment for explaining a method of processing financial business of virtual currency using a virtual account according to the present invention. to be.

In addition, FIG. 16 shows an image of logging in to the homepage for the virtual currency wallet of the present invention, FIG. 17 shows an image of the balance check screen for the virtual currency wallet of the present invention, and FIG. 18 is a virtual currency of the present invention. An image of a screen for copying and pasting a recipient's electronic wallet address into the wallet and inputting the remittance amount is shown. FIG. 19 shows an image of a screen for clicking the remittance button in the virtual currency wallet of the present invention, and FIG. 20 The image of the screen for confirming the remittance amount, such as confirmation of the recipient in the virtual currency wallet of the present invention, is shown, and FIG. 21 shows the image of the screen deducted from the wallet balance after the transfer to the virtual currency wallet of the present invention is completed, and FIG. Clicking the transaction menu after completing the transfer to the cryptocurrency wallet of the invention shows the image of the screen recording the transfer details.

11 is a flow chart of an embodiment for explaining a method for processing financial business using a virtual account according to the present invention. After the affiliated institution opens a representative account in the name of the affiliated institution at the affiliated bank, the affiliated institution Deposit/withdrawal request from a specific user through a common network of other banks connected to the Financial and Telecommunications Service or information communication network connected to the virtual account service server (Internet, public network, dedicated network, etc.) while receiving a virtual account linked to a real account held by the customer. If there is, it shows a method to allow deposit to and withdrawal from the representative account opened in the affiliated bank through the virtual account.

Referring to FIG. 11, when a transaction for a virtual account occurs at a specific place of use (national banks, affiliated institutions, automatic teller machines, electronic financial channels, etc.) (S711a), first, the affiliated bank takes integrated photographs of fingerprints or/and finger veins from customers. When the fingerprint or/and finger vein is input by the device 200a (S711b), and it matches the registered fingerprint or/and finger vein (S711c), the affiliated bank has a representative account of the virtual account. After verifying the validity of the institution and the virtual account in sequence (S711 and S712), and verifying whether the requested financial transaction is possible (S713), the transaction is requested to the affiliated institution (S714).

Accordingly, in the affiliated institution receiving the transaction processing request, a virtual currency (coin) wallet login step (S2100) of turning on the corresponding homepage and logging in to the homepage for the virtual currency wallet of the present invention as shown in FIGS. 12 and 13;

After logging in to the homepage for the virtual currency wallet, inputting an email address (S2110);

Inputting a password in the guide window for the virtual currency wallet (S2120);

Referring to FIG. 16, FIG. 16 shows an image of logging into a homepage for a virtual currency wallet of the present invention.

Lee's homepage allows you to view Korean, English, Chinese, and Japanese, and allows you to sign up and create a wallet.

You can run it after creating a coin wallet.

As will be described later, a person who does not register a coin wallet address in a phone number has no choice but to receive a coin by sending it to the donor separately through an email address.

For this inconvenience, its invention was born.

In addition, after logging in to the homepage for the cryptocurrency wallet, the step of entering an email address (S2110) and the step of entering a password in the guide window for the cryptocurrency wallet (S2120) are improved to log in with biometric authentication. can do.

Although, in the step of providing biometric (fingerprint, finger vein, iris, face) information for biometric authentication, a phone number is matched to biometric data, an account password is matched to biometric data, or provided by a combination thereof. As can be seen, there is a burden of some additional programs in order to be built in a smartphone, but if this is overcome, a more efficient security effect can be brought.

In particular, in the case of adopting a method of matching a file of virtual currency with the biometric information described in patent application No. 10-2018-0156594 invented by the present inventors and remittance by combining them all, there is no problem in security and hacking. It can be predicted.

Next, after inputting a password in the guide window for the virtual currency wallet, providing a balance confirmation screen for confirming the balance of the virtual currency (S2200);

Starting to transfer the virtual currency on the balance confirmation screen in which the balance of the virtual currency is confirmed (S2210);

Referring to FIG. 17, FIG. 17 shows an image of a balance check screen for a virtual currency wallet of the present invention.

At the top of the screen, it is marked (clickable) so that you can start'transfer'.

The following explains how to do the remittance process.

Providing a remittance guide screen providing a screen guiding the remittance procedure (S2400);

A selected recipient coin wallet address input step (S2410) of clicking in the'address input' display field to input the recipient's coin wallet address when sending the coin to the recipient's coin wallet address selected in the step of providing the remittance guide screen (S2410);

Remittance input step of inputting the remittance amount after entering the coin wallet address of the selected recipient (S2420);

Referring to FIG. 18, FIG. 18 shows an image of a screen for copying and pasting a recipient's electronic wallet address into the virtual currency wallet of the present invention and inputting a remittance amount.

In addition, as shown in Fig. 18, the remittance order (method) as generally applied is to copy and paste the recipient's electronic wallet address, enter the remittance amount (coin amount), click the remittance button, and finally'designated amount Do you want to remit money?' and click the OK button to complete the transfer.

Next, after entering the remittance amount, clicking a remittance button to remit money (S2430);

Referring to FIG. 19, FIG. 19 shows an image of a screen for clicking a remittance button in the virtual currency wallet of the present invention.

In FIG. 19, a display window for entering a registration alias or displaying fees, options, etc. may be created, and the key is to click on the remittance button.

Next, a remittance confirmation step (S2440) of confirming whether to remit the specified amount again after clicking the remittance button;

Referring to FIG. 20, FIG. 20 shows an image of a screen for confirming a remittance amount, such as confirmation of a recipient, to a virtual currency wallet of the present invention.

Here again, you can check the accuracy of the remittance.

Next, a balance confirmation screen providing step (S2500) in which a balance confirmation screen is provided when remittance is completed to the coin purse address of the recipient;

Referring to FIG. 21, FIG. 21 shows an image of a screen subtracted from the wallet balance after remittance to the virtual currency wallet of the present invention is completed.

Of course, the wallet address is also displayed here.

A “copy wallet address” field may be created and used in the display window of FIG. 11 so that the remittance can be added and transferred to another person in a different way.

Of course, you can create a "wallet file download" that lets you download wallet files.

When remittance is made using the virtual account as described above, the transaction of the requested virtual account is processed (S717), and the result is notified to the affiliated bank again (S718). Again, the affiliated bank receives the transaction processing result (S719) and determines the transaction content requested through the virtual account (S720).If the transaction is a deposit/withdrawal transaction as a result of the determination, deposit/withdrawal from the representative account, the parent account of the virtual account. After the transaction is processed (S721), the processing result is notified to the user (S722). The place of use receives this and notifies the customer of the processing result.

The step of processing the deposit and withdrawal of the representative account at the affiliated bank may vary according to the details of a prior contract with the affiliated institution. For example, it is possible to process deposit and withdrawal for each transaction, and of course, it is possible to process deposit and withdrawal by batch processing at the end of each transaction or after setting a limit for a specific fortune period.

15 is a flow chart of another embodiment for explaining a method for processing financial business of virtual currency using a virtual account according to the present invention, in which a wallet address of a virtual currency is matched with a phone number, and it is easily registered in the address field for remittance. The method is illustrated.

First, FIG. 15 is a further embodiment following FIG. 11 and FIG. 13.

As in the above embodiment, a virtual currency (coin) wallet login step (S2100) of turning on the corresponding home page and logging into the home page for the virtual currency wallet of the present invention;

After logging in to the homepage for the virtual currency wallet, inputting an email address (S2110);

Inputting a password in the guide window for the virtual currency wallet (S2120);

Referring to FIG. 16, FIG. 16 shows an image of logging into a homepage for a virtual currency wallet of the present invention.

Lee's homepage allows you to view Korean, English, Chinese, and Japanese, and allows you to sign up and create a wallet.

You can run it after creating a coin wallet.

As will be described later, a person who does not register a coin wallet address in a phone number has no choice but to receive a coin by sending it to the donor separately through an email address.

For this inconvenience, its invention was born.

In addition, after logging in to the homepage for the cryptocurrency wallet, the step of entering an email address (S2110) and the step of entering a password in the guide window for the cryptocurrency wallet (S2120) are improved to log in with biometric authentication. can do.

Although, in the step of providing biometric (fingerprint, finger vein, iris, face) information for biometric authentication, a phone number is matched to biometric data, an account password is matched to biometric data, or provided by a combination thereof. As can be seen, there is a burden of some additional programs in order to be built in a smartphone, but if this is overcome, a more efficient security effect can be brought.

In particular, in the case of adopting a method of matching a file of virtual currency with the biometric information described in patent application No. 10-2018-0156594 invented by the present inventors and remittance by combining them all, there is no problem in security and hacking. It can be predicted.

Next, after inputting a password in the guide window for the virtual currency wallet, providing a balance confirmation screen for confirming the balance of the virtual currency (S2200);

Starting to transfer the virtual currency on the balance confirmation screen in which the balance of the virtual currency is confirmed (S2210);

Referring to FIG. 17, FIG. 17 shows an image of a balance check screen for a virtual currency wallet of the present invention.

At the top of the screen, it is marked (clickable) so that you can start'transfer'.

Next, when clicking the transfer button for starting the transfer of the virtual currency, providing a phone number selection screen for selecting the phone number of the recipient (S2300);

A recipient phone number selection step of selecting a recipient's phone number on the phone number selection screen (S2310);

A shop button clicking step (S2320) of selecting the recipient phone number and clicking a shop (#) button;

After clicking the shop (#) button, a coin purse address registration verification step (S2330) of checking whether the coin purse address is matched with the phone number;

In the coin wallet address registration verification step, if the recipient matches his or her phone number with the coin wallet address, the remittance can be remitted according to the guidance procedure if provided on the remittance guide screen providing a screen guiding the remittance procedure.

After that, it proceeds according to the virtual account transaction processing (S717) shown in Fig. 14, and the description is as described above.

Referring to FIG. 22, FIG. 22 shows an image of a screen recording the remittance details when clicking the transaction menu after completing the remittance to the cryptocurrency wallet of the present invention. Specifically, referring to the drawing, 100 coins in the wallet balance after remittance is completed. You can check the deduction, depending on the transmission speed, but if you click the transaction menu after 10 minutes, you can check the remittance details (date, wallet address, deposit/withdrawal, amount of remittance).

The transaction function as described above can be designed to be interlocked with a separate additional concept.

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

FIG. 23 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and digital processing circuit of the prior art first invention are applied, and FIG. 24 is a block diagram showing the configuration of a single-chip fingerprint recognition device according to the second invention. , FIG. 25 is a block diagram showing a single-chip implementation example of a fingerprint recognition apparatus according to the second invention, and FIG. 26 is an exemplary view comparing fingerprint recognition using a specific point of a fingerprint.

In general, the fingerprint recognition sensor may be an input imaging device that acquires a fingerprint image (or image information of a fingerprint) of a finger indicating a characteristic difference unique to each user. Sensing data for a fingerprint image may be obtained by an optical method, a semiconductor method, an ultrasonic method, or a 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 the prism, a light source illuminates the prism, the lens collects light reflected through the prism, and the CCD acquires the collected light as a fingerprint image.

The semiconductor fingerprint sensor may include a thermal sensor, a capacitive sensor, or an electric sensor. The semiconductor-type fingerprint recognition sensor can be miniaturized and thus can be used in personal applications.

The thermal sensor may be a fingerprint recognition sensor of a method of acquiring a temperature distribution 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 of a method of obtaining a difference in an amount of electric charge or capacitance between ridges of a contacted fingerprint as a fingerprint image.

The electric sensor may be a fingerprint recognition sensor of a method of acquiring 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 such as correcting a fingerprint image or calculating features of a fingerprint image in addition to an operation of acquiring a fingerprint image. In this case, the fingerprint recognition sensor may be a functional module having a hardware module and a software module.

In the fingerprint, there are a normal region composed of ridges with accurate directionality and a number of other feature regions. The point where the ridge line progresses and then breaks in the feature region is referred to as an ending point, and the point where the ridge line breaks is referred to as a bifurcation, and the disadvantages and branch points are collectively referred to as a fingerprint minutiae. In general, about 100 to 150 feature points are distributed on one finger, and the types, locations, and directions are different for each person. Therefore, the position and direction of these feature points can be used as a means for determining 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. As shown, the conventional fingerprint recognition device includes ridges and furrows of the fingerprint. valley), an analog processing circuit 210 that detects a fingerprint image by converting the difference in capacitance according to the difference in height to 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 digital processing circuit 220 determines or recognizes a user of the detected fingerprint by comparing the extracted feature with previously stored fingerprint data.

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

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

However, since the conventional fingerprint recognition device of the first invention has the analog processing circuit 210 and the digital processing circuit 222 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, as the second invention of the prior art, by implementing a sensor side for detecting a fingerprint and a digital processing circuit for recognizing a fingerprint on a single chip, the volume and cost of the product are reduced and portable. In addition, we have developed a fingerprint recognition device implemented with a single chip that can be applied in various fields.

FIG. 24 is a block diagram of a fingerprint conversion device according to a conventional second invention. In the fingerprint recognition device 300 of the present invention implemented as a single chip, the difference in capacitance between the ridge of the fingerprint and the furrow is in contact with the bottom surface of the user's finger. By performing the detection sensors 310 and the algorithm stored in the flash memory 340, receiving the electrical signal output from the sensor 310 and processing the image to extract the features of the fingerprint image and flash the extracted features A microprocessor 320 that compares with the reference fingerprint image registered in the memory 340 to determine whether or not to match, and a cache memory 330 that is directly connected to the microprocessor 320 and stores frequently used commands, and an operating system. A flash memory 340 storing a program, a fingerprint recognition algorithm, and fingerprint data, and a bus 350 that interconnects the sensor 310, the microprocessor 320, and the flash memory 340 and provides a data path between each means. ), and a bus interface 360 for controlling data exchange between the sensor 310, the microprocessor 320, and the flash memory 340 through the bus 350.

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

FIG. 25 shows an example of implementation of the fingerprint conversion device of the conventional second invention. 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 first chip 400 in which the 440 and the bus interface 450 are integrated is implemented.

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 executed in the MCU 420, and also stores a previously registered fingerprint image or The detected fingerprint image is stored. In addition, the cache memory 430 is a memory having a smaller capacity and a 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 has a frequency of use. By storing high commands or data, the processing speed in the MCU 420 is improved.

In addition, the sensor array 410 is formed by arranging in an m×n matrix a sensor plate that outputs a capacitance generated between the contacted skin, that is, the skin of the contacted finger portion as a digital electrical signal, It is integrated on 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, MCU 420, cache memory 430, flash memory 440, and bus interface 450 may not be 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 remaining MCU 420, the cache memory 430, the flash memory 440 and the bus interface 450 are lower layers of the sensor array 410. Can be laminated on.

26 shows a technique for comparing and determining the feature points of a fingerprint in Korean Patent Application Publication No. 10-2015-0034832.

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

For example, the feature information 812 of the fingerprint image 813 corresponding to the area 811 of the fingerprint image 810 of FIG. 26 is the feature of the fingerprint image 850 corresponding to the first area 851 of FIG. It can be mapped as information.

In addition, the feature information 822 of the fingerprint image 823 corresponding to the one area 821 of the fingerprint image 810 of FIG. 26 is the feature information of the fingerprint image corresponding to the second area 852 in 850 of FIG. Can be mapped.

In addition, the feature information 832 of the fingerprint image 833 corresponding to the one region 831 of the fingerprint image 810 of FIG. 26 is the feature information of the fingerprint image corresponding to the third region 853 in 850 of FIG. 23. Can be mapped.

In addition, the feature information 842 of the fingerprint image 843 corresponding to the one region 841 of the fingerprint image 810 of FIG. 26 is the feature information of the fingerprint image corresponding to the fourth region 854 in 850 of FIG. 23. Can be mapped. In this case, if there is an overlapping area between the first area 851 to the fourth area 854, the characteristic information of the fingerprint image corresponding to the overlapped area is the characteristics of the first area 851 to the fourth area 854 Among the pieces of information, higher quality, more information, or recently acquired feature information may be prioritized and mapped.

The fingerprint image mapping unit maps feature information for each region of a fingerprint image and adjusts the overlapping region to obtain feature information of a fingerprint image targeting a portion 855 of a finger.

Accordingly, in the present invention, through the step of returning a predetermined authentication number from the called party's exchange of the personal financial relay transaction server, when the fingerprint is contacted, the ridges and furrows of the fingerprint are separated by binary data output as a digital electric signal. In accordance with a conversion logic based on a predetermined authentication number returned with the fingerprint information, a conversion device converts the arrangement of the DTMF signals and transmits them to a receiving device, and the converted DTMF signal is used for conversion of the DTMF signal. According to the conversion logic based on, the receiving device restores the converted DTMF signal to an arrangement of the DTMF signals transmitted by the user, and the overlapping description of the technology is omitted.

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

FIG. 27 is a flowchart illustrating an operation process of a biometric security device according to an embodiment of the present invention, and FIG. 28 is a diagram illustrating setting a reference point of an effective area during capillary imaging, and FIG. 29 is a diagram illustrating an image segmentation and binarization process of a preprocessor.

In Korean Patent Application Publication No. 2003-0010977, when a finger is inserted, the light generating means 15 of the image acquisition means 10 emits infrared rays, laser or halogen rays to the finger, and the solid state image pickup device 11 approximately The image between the last node and the boundary point of the fingernail is continuously photographed a plurality of times (S10). Various methods can be applied by recognizing whether a finger is inserted or not, using an optical sensor using light-emitting and light-receiving diodes, configuring the finger holder 9 as a limit switch, or installing a manual switch that the user directly presses. This makes it easy to know whether a finger is inserted.

As described above, in order to normalize the image of the finger photographed as a specific part of the finger is photographed, the preprocessing unit 20 must set a reference point. Since the image of the photographed finger contains considerably unnecessary parts, after setting the reference point These unnecessary images are removed.

That is, as shown in Fig. 28, when the center of the nail is taken as the center point, and a straight line is drawn down at the same angle and distance as the boundary lines at the center point, and a horizontal line is drawn so that it is perpendicular to the boundary lines on both sides at the nail boundary, both sides meeting the horizontal line The area of the boundary line becomes the reference point (A, B) for normalization. Accordingly, the square portion formed between the reference point and the joint of the finger becomes the effective area for normalization, and the image of the effective area is rotated and enlarged to normalize (S11).

Next, the preprocessor acquires an effective capillary image through a smoothing process that removes noise corresponding to the epidermal image or scattered light in the effective area, and binarizes the capillary image into digital data, and then thins the capillary image. It becomes (S12 to S14).

The capillary image data thinned as described above is output to the feature extracting unit, and the feature extracting unit receives such data and performs an image processing process (S15, S16) using pattern matching of blood vessels, and an image processing process using feature points (S17). , S18) is performed separately.

In the image processing process using the pattern matching, first, the capillary image of the finger acquired through the preprocessor is divided into a plurality of matrix blocks (S15), and the divided capillary image is recognized by performing binarization for each block. It is output to the control unit (S16).

On the other hand, the image processing process using the feature points analyzes the binarized and thinned capillary image through the preprocessor to extract feature points such as the branch point, cut point, branch, transition point, convex vessel and concave vessel (S17). The position coordinates of the adjacent blood vessel of the feature point, the thickness, and the feature values for the brightness and pulsation information are measured and output to the recognition control unit (S18). When measuring the brightness of the blood vessel, since the blood flow flowing through the blood vessel constantly changes over time, the average brightness value is taken by analyzing a plurality of consecutive blood vessel images, and the change in brightness is based on the pulsation. Can be easily inferred.

Subsequently, the recognition control unit uses the binarization data related to the blood vessel pattern obtained through the feature extraction unit to directly match and compare with various capillary pattern data included in the database to detect a plurality of comparison data that fall within the tolerance range (S19). ) Then, the feature points and feature values extracted from the above are compared with each other and the feature points and feature values of the plurality of comparison data that are primarily detected are compared to each other to determine and recognize whether they are identical (S20, S21).

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

Accordingly, in the present invention, the capillary image of the finger obtained through the preprocessor is divided into matrix blocks, and the divided capillary image is divided into matrix blocks through the step of returning a predetermined authentication number from the called party's exchange of the personal financial relay transaction server. In accordance with a conversion logic based on a predetermined authentication number returned to the finger 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, the conversion device converts the arrangement of the DTMF signal to receive the receiver. Sending to; According to the conversion logic based on the authentication number used for the DTMF signal conversion, the converted DTMF signal is linked in the order of performing the step of restoring the converted DTMF signal into an arrangement of the DTMF signals sent by the user. , The overlapping technical description will be omitted.

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

Even when applied to a mouse, a signal is transmitted by the fused authentication code.

Next, an iris algorithm applied to the iris conversion device of the present invention will be described.

FIG. 30 is a block diagram showing an iris recognition apparatus using a camera for short-range iris photographing according to an embodiment of the conventional iris invention applied to the present invention, and FIG. 31 is a block diagram according to an embodiment of the conventional iris invention applied to the present invention. A flow chart for explaining an iris recognition method using a near-field iris photographing camera, and FIG. 32 is a method of normalizing to binary data in an iris recognition method using a near-field iris photographing camera according to an embodiment of the conventional iris photographing applied to the present invention It is a figure for explaining.

As shown in FIG. 31, the iris recognition apparatus using a camera for short-range iris photographing of a smartphone according to an embodiment of the present invention includes an iris photographing 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 diagram for explaining a method of normalizing to binary data in an iris recognition method using a camera for short-range iris photographing.

As shown in Korean Patent Publication No. 10-214-0133762, the iris photographing camera 1 installs a prism 200 having an inclined surface and an uneven portion formed above the guide of the illuminated IR LED 20 to improve the brightness uniformity around the iris. By improving the iris recognition, it is possible to block the transmission of static electricity to the internal device through the illuminated IR LED 20, so it can be formed in a small size.

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

The output unit 5 outputs the iris recognition result by the control unit 3 so that a peripheral device (not shown) can provide various services according to the iris recognition result. The controller 3 operates the iris photographing camera 1 according to the selection of the key input unit 2, photographs the iris according to the brightness of the lighting, and then determines whether it is a living person's iris through a change in the size of the pupil, and then displays the iris image. For the iris data, the iris data for the iris image is stored and registered by normalizing with binary data, or 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 means of preventing hacking.

In addition, the display lamp 300 is lit 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 display the progress by subdividing the progress through various colors.

As shown in FIG. 31, the iris recognition method using a camera for short-range iris photographing of a smartphone according to an embodiment of the present invention is when iris recognition is selected in the key input unit 2 by the controller 3 (S10). By operating (1), the iris is photographed according to the brightness of the lighting (S22).

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

In the conventional invention, iris images are acquired while maintaining characteristics that change according to individual characteristics by photographing an iris while varying the brightness of the lighting. As described above, it is determined whether there is a change in the size of the pupil after photographing the iris according to the brightness of the lighting (S24).

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

Iris data is generated by normalizing each pixel of the captured iris image to binary data for one acquired iris image 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. Accordingly, the processing speed can be improved to improve the recognition speed, and since the processing can be performed through a system with a low specification, miniaturization and portability can be increased, and the effect of day and night and lighting can be minimized.

The iris data generated in this way is compared with the iris data for a plurality of iris images photographed according to the brightness of the lighting stored in the storage unit 4 to compare whether or not they match (S30). Then, the comparison result is output through the output unit 5 so that a peripheral device (not shown) can provide various services through the iris recognition result (S32).

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

Even if a person's iris is the same person, the size of the pupil changes according to the brightness of the lighting, and the iris pattern also changes. In the conventional invention, iris images are acquired while maintaining characteristics that change according to individual characteristics by photographing an iris while varying the brightness of the lighting.

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

When the eye of a living person is photographed, a number of iris images are acquired for iris registration among the iris images that change as the size of the pupil changes (S16). As shown in FIG. 12, the acquired iris images are normalized with binary data for each pixel of the captured iris image to generate iris data for the plurality of iris images (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 that is determined by dividing each pixel, and the data and the conversion device are fused to generate a new signal.

Registration is made by storing the iris data for the plurality of iris images generated in this way in the storage unit 4 (S20). As described above, according to the iris recognition method using the camera for short-range iris photographing of a smartphone according to the present invention, the amount of data is processed by processing the iris image captured by the short-range iris photographing camera of the smartphone as binary data according to the iris pattern of each pixel. It not only improves the recognition speed by reducing the number, but also reduces the false recognition rate through changes in the iris pattern and path, and can be processed through a system with a low specification, so miniaturization and portability can be increased. Regardless of the thickness of the pattern, the recognition rate can be increased.

Accordingly, in the present invention, the step of returning a predetermined authentication number from the called party's exchange of the personal financial relay transaction server; One iris image is divided into each pixel, and each pixel receives the iris information according to the binary data output as a digital electrical signal according to the presence or absence of an iris pattern, according to a conversion logic based on a predetermined authentication number, Converting an array of DTMF signals and transmitting them to a receiving device; According to the conversion logic based on the authentication number used for the DTMF signal conversion, the converted DTMF signal is linked in the order of performing the step of restoring the converted DTMF signal into an arrangement of the DTMF signals sent by the user. , The overlapping technical description will be omitted.

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

33 is an explanatory diagram of the muscle structure of the eye according to the prior invention applied to the present invention, and FIG. 34 is a simplified configuration diagram of a face image of the prior invention applied to the present invention, showing a method for measuring positions and distances Is also.

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

The eye and surrounding muscle information detection step applied to the prior invention is to identify the locations of the frontal and caudal muscles of the eye, the upper lid lifter and the circumference of the eye, and the lower brow muscle, and around the eyes (eyebrows, eyelids, glabellar, eye and Pre-processing method to detect the distance between the nose, the distance between the eyes and the mouth, and the angle between the eyes and the nose and the mouth) and generate it as basic information to be used as registration or contrast data, and to preserve detailed features in the face image Will be implemented.

Thereafter, the conventional invention undergoes a pre-processing and feature extraction step of normalizing a face image based on eye position and surrounding detailed information, removing external illuminance components from the normalized face image, 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 are to compensate for changes in external conditions of luminous intensity, posture, and facial expression, and the luminous intensity correction uses local partial calculation normalization and local histogram smoothing.

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

The face recognition method of mathematical pattern analysis based on the upper musculoskeletal structure includes an image input by a camera (USB includes a CCD) or a face image input step in which a video file or image file image is input, and whether or not there is a face in the input image. A face detection step that detects, locates its position, detects a face from the detected object (object) and determines the basic outline, automatically locates the face, and automatically locates the eye in the detected face area. The steps of detecting eye and muscle information around the eyes to detect detailed information around the eyes, and the removal and statistical correction of external illuminance components from the normalized face image and normalization of the face image according to the eye position and surrounding detail information, and from the preprocessed face image. It consists of pre-processing and feature extraction steps to extract features.

Here, the face information is composed of binary data determined according to normalization of a face image based on the eye position and surrounding detailed information, and can be used in a conversion device.

Therefore, in the present invention, through the step of returning a predetermined authentication number from the called party's exchange of the personal financial relay transaction server, each face image is normalized according to the eye position and the feature points of the surrounding detailed information for one face image. Converting, by a conversion device, an array of the DTMF signals, and transmitting it to a receiving device, according to a conversion logic based on a predetermined authentication number, which is divided into pixels and outputted as a digital electrical signal; According to the conversion logic based on the authentication number used for the DTMF signal conversion, the converted DTMF signal is linked in the order of performing the step of restoring the converted DTMF signal into an arrangement of the DTMF signals sent by the user. , The overlapping technical description will be omitted.

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

35 is an external view of a finger vein pattern input device, which is an embodiment of the prior invention applied to the present invention, and FIG. 36 is a cross-sectional view of FIG. 35 applied to the present invention.

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

In the main body 10, a support base 11 is incorporated and integrated. In addition, inside the main body 10, a control module unit (control module unit) 1 and an image capturing unit (imaging unit) 2 incorporating a CPU that is mounted on the camera board 9 and performs image processing are provided. . As is well known, the control module unit 1 compares a finger vein pattern extraction means for extracting a finger vein pattern from an image acquired by the imaging unit 2 and a finger vein pattern previously registered with the extracted finger vein pattern, That is, it has image calculation means for collating.

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

Irradiation windows 16 (16A, 16B) are provided in the abutment table 11 in a form facing the celestial part 15 (15A, 15B) and near-infrared light emitting LED 13 installed on the abutment table 11. . The near-infrared light emitting LED 13 is disposed within the space 12, and no light leaks except for the irradiation window 16. In the central portion of the interior of the main body 10, a camera lens 3, a camera module 4 having a CCD, and an optical axis refractive portion 5 composed of a mirror are provided. In this optical axis refraction part 5, the mirror is inclined, and the thickness of the whole apparatus is made small, and the optical path length for imaging is extended, and image distortion is reduced. An imaging opening 6 is largely formed in the central portion of the abutment 11, and an 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 central portion is not visible. This material transmits infrared rays. The imaging opening 6 has a shape with a depth in which a round R is applied to the outside so that a finger does not contact the imaging window 7 during imaging. By performing such rounds R, it is possible to prevent the veins from being crushed and crushed, and it is possible to improve the appearance of the veins located around the imaging opening. The imaging window 7 is installed perpendicular to the groove 8 as shown 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 refractive portion 5 and is irradiated outward 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 arranged in the space 12.

Moreover, it is designated as superior 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.

It may be applied to the execution system of the present invention by using the prior art as described above.

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 added once again that the scope of protection of the present invention may not be limited due to obvious changes or substitutions in the technical field to which the present invention pertains.

100: virtual account service server
110: virtual account management module
120: Financial business relay module
10: Financial settlement agency
20: affiliate bank computer
30: affiliated institution computer
21: DB of representative account of affiliated bank
31: DB for representative accounts of affiliated institutions
40: information and communication network
41: Automatic teller machine (ATM)
42: electronic financial channel
43: affiliated financial institution
50: other bank
200a: Integrated shooting authentication device
201: object receiving department
201a: Scan panel upper case
201b: Scan panel lower case
220, 230, 231: image sensor
240, 241: infrared light source
250: scan panel
250a: Fingerprint finger contact part
250b: finger vein non-contact part
260a: Infrared side transmitter
260: Infrared side transmitter case

Claims (7)

When a virtual account service server has a transaction for a virtual account at a specific place of use (national banks, affiliated institutions, automatic teller machines, electronic financial channels) (S711a), affiliated institutions and virtual accounts that have the representative account of the virtual account through the affiliated bank computer Sequentially verifying the validity of the account (S711, S712), verifying whether the requested financial transaction is possible (S713), and then requesting the processing of the transaction to the affiliated institution computer (S714);
When the virtual account service server requests the affiliated institution computer to process the transaction (S714), the affiliated institution computer turns on the corresponding homepage and logs in to the homepage for the virtual currency wallet, a virtual currency (coin) wallet login step (S2100) );
After the affiliated institution computer logs in to the homepage for the virtual currency wallet, receiving an email address (S2110);
Receiving a password in the guide window for the virtual currency wallet (S2120);
Providing a balance confirmation screen in which the balance of the virtual currency is confirmed after the password is input in the guide window for the virtual currency wallet (S2200);
Starting the transfer of the virtual currency on the balance confirmation screen in which the balance of the virtual currency is confirmed (S2210);
Providing a remittance guide screen providing a screen guiding the remittance procedure from the coin wallet (S2400);
In the case of sending the coin to the coin wallet address of the recipient selected in the step of providing the remittance guide screen, the selected recipient who receives the coin wallet address of the recipient in the'Address input' field clicked to enter the recipient's coin wallet address Coin wallet address input step (S2410);
Remittance input step (S2420) of receiving a remittance amount after inputting the coin wallet address of the selected recipient;
A remittance button clicking step of determining whether a remittance button for remittance is clicked after the remittance amount is input (S2430);
The affiliated institution's computer interlocks the virtual currency wallet with the virtual account to process the transaction of the virtual account requested in the remittance button click step (S2430) (S717), and then notify the result to the affiliated bank computer again (S718) Then, the affiliated bank computer receives the transaction processing result (S719) and determines the requested transaction details through the virtual account (S720).If the transaction is a deposit/withdrawal transaction as a result of the determination, the parent account representative of the virtual account After processing the deposit and withdrawal transaction in the account (S721), the processing result is transmitted to the virtual account service server to notify the user (S722),
In the step of starting the remittance of the virtual currency (S2210), when a remittance button for additionally starting the remittance of the virtual currency is clicked, providing a phone number selection screen for selecting a phone number of the recipient (S2300);
A recipient phone number selection step of determining whether a recipient's phone number is selected on the phone number selection screen (S2310);
A shop button click step (S2320) of determining whether a shop (#) button is clicked after the recipient phone number is selected;
After the shop (#) button is clicked, a coin wallet address registration verification step (S2330) of checking whether the coin wallet address is matched with the phone number (S2330); further includes,
After logging in to the homepage for the cryptocurrency wallet, authentication is performed with a biometric authentication means instead of receiving an email address (S2110) and receiving a password in the guide window for the cryptocurrency wallet (S2120). Virtual currency transaction method linked to a virtual account by biometric authentication
delete delete The virtual account according to claim 1, wherein, as the biometric authentication means, the fingerprint conversion device divides the ridges and furrows of the fingerprint when the fingerprint comes into contact and converts it by binary data output as a digital electrical signal. Cryptocurrency trading method linked with
The method of claim 1, wherein the finger vein conversion device as the biometric authentication means determines the presence or absence of the segmented capillary image by dividing the image screen into a matrix block by dividing the capillary image of the finger acquired through a preprocessor to visualize the image of the capillary A virtual currency transaction method linked to a virtual account by biometric authentication, characterized in that it is converted by binary data that is output as a digital electrical signal for each block.
The method of claim 1, wherein the iris conversion device as the biometric authentication means divides one iris image into each pixel, and each pixel is converted by binary data output as a digital electrical signal according to the presence or absence of an iris pattern. Virtual currency transaction method linked to a virtual account by biometric authentication
The binary data according to claim 1, wherein the face conversion device as the biometric authentication means divides one face image into each pixel according to facial image normalization by feature points of eye position and surrounding detailed information, and is output as a digital electrical signal. Virtual currency transaction method linked to a virtual account by biometric authentication, characterized in that it is converted by

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