KR102326066B1 - Method for dealing a digital currency with block chain matching escrew service - Google Patents

Abstract

The present invention provides a method for providing a two-way escrow service that enables a safe crytocurrency transaction. After the digital crytocurrency transaction information receiving step (S120b), the method consists of a buyer/donor (company) account mapping step (S120c) of mapping a first account linked with a donee (buyer) terminal that the virtual currency transaction amount can be transferred from the donee (buyer) to the donor (company) or to be refunded to the buyer by a blockchain-based digital crytocurrency transaction guide server (200), and a second account linked with a donor (company) terminal.

Description

Method for dealing a digital currency with block chain matching escrew service}

The present invention relates to a method for transacting digital virtual currency by a two-way escrow service, and in particular, a method for providing a two-way escrow service that enables safe virtual currency transactions, and a digital virtual currency transaction with a block chain for transaction safety To prevent security and hacking, compensation insurance for defects in virtual currency transactions can be paid, and security using biometric means by fingerprint/finger vein/iris/face recognition sensors is made possible. It relates to a method of trading digital cryptocurrency by escrow service.

Conventional general escrow for "a method of providing a two-way escrow service for e-commerce", which is one applied to the present invention, means 'deposit for payment' in the case of e-commerce, and delivery of goods after entrusting the transaction amount to a third party It is used as a system to confirm and pay the seller.

In other words, the consumer keeps the value of the product in a trusted third party such as a bank, and when the delivery is completed normally, the bank deposits the product into the seller's account.

In this way, if the product is not received or returned, the financial institution immediately refunds it, thereby preventing fraudulent damage through the Internet shopping mall, and reducing the cost of debt collection that the seller may experience when a deferred payment system is made. There are advantages to being able to

An object of the present invention is to achieve security and hacking prevention as well as safety during virtual currency transactions by using this method.

In addition, the present inventor has applied for a patent for a 3D stereoscopic imaging device as an authentication device for fingerprints and finger veins according to Patent Application No. 10-2016-46122 for technical matters applied as the subject of this patent application, and also applied for a domestic patent Patents have been applied for algorithms for fingerprints and fingerprints, fingerprints and finger veins, and finger veins and veins according to Nos. 10-2016-0153836, 10-2016-0157310, and 10-2016-0157311.

A digital virtual currency transaction system with a blockchain between parties, which is a background technology for applying this technology, has also been patented with patent registration Nos. 10-1673073 and 10-1628007.

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

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

If there is one key word in the description of Bitcoin (same concept as virtual currency), it is Mining.

Mining is usually a way to get new bitcoins (same concept as virtual currency). Bitcoin (same concept as virtual currency) The computer (terminal) composing the network competes to find an operation value that satisfies a specific condition. The process provided is called mining. However, this mining is not only a simple way to acquire Bitcoin (same concept as virtual currency), but also serves to authenticate transactions of Bitcoin (same concept as virtual currency).

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

The following is the structure of Crypto-Currency.

Crypto-currencies represented by Bitcoin (same concept as virtual currency) have a common type of transaction ledger called a blockchain.

As an overview, the general user downloads a wallet program of cryptocurrency to his/her computer. And install it on your computer. Then, the program starts to synchronize (match) with the blockchain recorded on itself and the network as it runs. Since the data is tens of gigabytes, it usually takes 3 to 7 days. When the synchronization is finished, you can create your own address (concept of an account in a bank) in your wallet and receive or transmit Bitcoin (same concept as virtual currency) through the address. (Bitcoin (same concept as virtual currency) ), the address is a combination of 34 letters (uppercase and lowercase letters) starting with 1 and numbers (ex, 1MowqQrQJL5AeaDMpX35B6EiJ4qnXPJnFp).

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

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

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

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

In other words, there is a possibility that an exchange security-related insider who knows the encryption method will decrypt the encrypted private key stored in the server and use it secretly.

When a member inquires about his or her account through the exchange server, the balance registered and stored in the server database (DB) is displayed. The actual balance in the address is meaningless to the member. The actual transfer of normal Bitcoin (same concept as virtual currency) requires 6 confirmations, but it takes about an hour, so it is impossible to buy and sell frequently in a short time with this method.

Looking at this, as shown in FIGS. 1 to 4, the digital virtual currency transaction system having a block chain between the parties of the present invention includes a plurality of block chain holding servers 100 and block chain-based digital virtual currency transaction guide server 200. , it consists of a donor terminal 300 and a donor terminal 400 .

First, a plurality of block chain holding servers 100 verify the transaction information for digital virtual currency transaction with the transmitted block chain when the transaction information for digital virtual currency transaction with the block chain is transmitted. A member equipped with a block chain that authenticates a transaction and records transaction information for a digital virtual currency transaction with a block chain according to the authentication. They are devices that form a peer-to-peer network (P2P)-based distributed database, that is, a Bitcoin (same concept as virtual currency) network that performs digital virtual currency transactions with block chains through authentication and records.

In the configuration constituting the block chain holding server 100, a block chain-based digital virtual currency transaction guide server 200, which will be described later as operated by the Bitcoin (same concept as virtual currency) exchange side, belongs to one member. .

In addition, the propagation of transaction information for digital virtual currency transaction with block chain is promised by the protocol, and when transaction information for digital virtual currency transaction with block chain occurs, one node (here, block chain holding server) through the pyramid-type propagation that propagates to the next 8 nodes designated, and repeatedly propagates to the next 8 nodes designated for each 8 nodes that receive the transaction information for digital virtual currency transaction with the block chain. It is completed by propagating to all blockchain holding servers 100 equipped with a block chain necessary to perform a digital virtual currency transaction with a block chain.

On the other hand, the block chain holding servers 100 are equipped with a block chain, and a server (or terminal) operated by a miner who mines digital virtual currency with a block chain or a user for digital virtual currency transaction with a block chain A terminal (for example, a PC or a smartphone) may also consist of one member when an electronic wallet having a block chain is mounted.

Types of digital virtual currency having a block chain with such transaction characteristics include Bitcoin (the same concept as virtual currency), Litecoin, Darkcoin, Namecoin, Dogecoin, and Ripple.

The blockchain-based digital virtual currency transaction guide server 200 generates a beneficiary recognition URL (A) that guides the recipient to recognize a donor who is gifted with a digital virtual currency having a block chain when a donor transaction request signal is transmitted. When the personal information signal for authentication of the beneficiary is transmitted, the amount information of the block chain-based digital virtual currency held by the donor in the electronic wallet is deducted by the amount to be donated to the beneficiary, and the deducted amount is equal to the amount of the beneficiary's electronic wallet. A member that controls to generate transaction information for digital virtual currency transaction consisting of transaction details accumulated in the block chain-based digital virtual currency amount information of When transacting a digital virtual currency with a block chain, it performs a function that guides the transaction through the above-mentioned URL (A) for recognition of the recipient without recognizing the public address consisting of 32 bytes. do.

To this end, the block chain-based digital virtual currency transaction guide server 200 includes information registered when a user joins a membership for a block chain-based digital virtual currency transaction, and includes a member's ID, password, phone number including a mobile communication terminal, Member list information DB 211 in which member personal information including address is stored separately for each member, and a public address and private key of a blockchain-based digital virtual currency opened by a user who has signed up as a member and a DB unit 210 having an electronic wallet list information DB 212 in which an electronic wallet including block chain-based digital virtual currency amount information is stored separately for each member is mounted.

Through this, the block chain-based digital virtual currency transaction guide server 200 transmits the donor's personal information included in the donor's transaction request signal when the donor transaction request signal is transmitted from the donor terminal 300, which will be described later, to the member list information. After confirming that the member is a member by matching with the DB 211, a URL (A) for recognition of the beneficiary is generated and transmitted to the donor terminal 300, and when the personal details signal for authentication of the beneficiary is transmitted from the donor terminal 400, which will be described later, the beneficiary is authenticated The personal information of the beneficiary included in the personal details signal is matched with the member list information DB 211, and after confirming that the member is a member, the block chain-based digital virtual currency amount stored in the donor's electronic wallet information in the electronic wallet list information DB 212 Deduct the amount you want to donate to the beneficiary from the information, accumulate the deducted amount in the block chain-based digital virtual currency amount information stored in the beneficiary's electronic wallet information, and create transaction information for digital virtual currency transactions based on this, It performs a function of controlling the propagation to the blockchain holding servers 100 .

As such, the donor and the beneficiary who own the donor terminal 300 and the beneficiary terminal 400 to be described later are subscribed to the blockchain-based digital virtual currency transaction guide server 200 as a member whose electronic wallet is managed.

The donor terminal 300 generates a donor transaction request signal including the amount information of the digital virtual currency having the block chain to be donated and the donor's personal information, and transmits it to the digital virtual currency transaction guide server 200, , A donor-side blockchain-based digital virtual currency transaction app 310 that guides the recipient to designate and transmit the recipient recognition URL (A) transmitted from the digital virtual currency transaction guide server 200 . This is the mounted terminal member.

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

In addition, the donor terminal 300 stores a block chain-based digital virtual currency transaction screen 510 for inputting an amount of digital virtual currency having a block chain and selecting an instant messenger.

The block chain-based digital virtual currency transaction screen 510 displays an amount display field 511 in which the amount of digital virtual currency having a block chain to be donated is displayed, and instant messengers mounted on the donor terminal 300 are displayed, and the displayed Among the instant messengers, an instant messenger selection box 512 for selecting the donor's side instant messenger to which the donor is subscribed, a text input field 513 for inputting and displaying a message to be delivered to the recipient, and a transmission menu for requesting data transmission ( 514).

Through this, the donor side block chain-based digital virtual currency transaction app 310 of the donor terminal 300 clicks the transmission menu 514 of the block chain-based digital virtual currency transaction screen 510, the amount display field 511 ), the amount information of the digital virtual currency with the displayed block chain, the selected IM identification information selected through the instant messenger selection box 512, and the personal information of the donor being stored and managed to generate a transaction request signal for the donor. become angry

The transaction process of digital virtual currency having a block chain between the parties using the digital virtual currency transaction system having a block chain between the parties of the present invention having such a configuration will be described as follows.

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

Thereafter, the donor enters the input form in the amount display field 511, the instant messenger selection field 512, and the text input field 513 on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301. When the send menu 514 is clicked in the state in which the input is correct, the donor-side block chain-based digital virtual currency transaction app 310 displays the amount information of the digital virtual currency input through the block chain-based digital virtual currency transaction screen 510 , the selected IM identification information and the stored and managed donor's personal information are collected to generate a transaction request signal for the donor and transmitted to the blockchain-based digital virtual currency transaction guide server 200 (S130).

Then, when the block chain-based digital virtual currency transaction guide server 200 transmits the donor transaction request signal from the donor terminal 300, the donor's personal information included in the donor transaction request signal is transferred to the member list information DB 211. By matching with and confirming that you are a member, a URL (A) for beneficiary recognition that guides you to recognize a beneficiary who is gifted with digital virtual currency having a block chain is generated and transmitted to the donor terminal 300 (S140).

After that, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 transmits the donor recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, select IM identification In a state where the donor-side instant messenger corresponding to the information is controlled to be automatically executed, the donor-side instant messenger URL display guidance screen (see FIG. 3b ) in which the donor-side instant messenger URL (A) is inserted and displayed in the automatically executed donor-side instant messenger A control is performed so that it is output through the information output unit 301 (S150).

Thereafter, in the donor-side instant messenger of the donor terminal 300, the donor-side instant messenger designates the donor account of the instant messenger that the donor requests for delivery of the recipient-recognition URL (A) through the donor designation guide screen for the donor-side instant messenger (refer to FIG. 3c ). Then, the URL (A) for recognition of the beneficiary is transmitted to the recipient terminal 400 corresponding to the beneficiary account (S160).

Thereafter, the recipient-side instant messenger of the recipient terminal 400 outputs a URL display guide screen for the recipient-side instant messenger in which the transmitted recipient-recognition URL (A) is inserted and displayed (see FIG. 3D ) through the information output unit 401 ( S170) to be controlled.

After that, when the recipient recognition URL (A) displayed on the recipient side instant messenger of the recipient terminal 400 is clicked, the recipient side block chain-based digital virtual currency transaction app 410 is automatically executed (S180) in conjunction with this. .

The beneficiary side block chain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a personal details signal for beneficiary authentication including the personal information of the beneficiary who receives a digital virtual currency gift with a block chain, This is controlled to be transmitted (S190) to the digital virtual currency transaction guide server 200.

After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is stored in the member list information DB. (211), after confirming that the donor is a member, deduct the amount to be donated to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information in the electronic wallet list information DB 212, and the deduction After accumulating the amount of digital virtual currency amount information stored in the beneficiary's electronic wallet information, the transaction information for digital virtual currency transaction with a block chain is generated based on this amount, and this information is sent to the designated block chain holding servers ( 100 ). Transmit (S200).

After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital By authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a block chain according to the authentication (S210), the transaction is authenticated.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 transmits a message to the donor terminal 300 stating that the digital virtual currency having the block chain has been paid to the donor.

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

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

However, in the digital virtual currency transaction system having the block chain between the parties as described above, if the private key corresponding to each unique address, that is, the public address and password, is lost, Bitcoin (virtual currency) Same concept as ), there is a problem in the security and hacking.

Moreover, the actual transmission of Bitcoin (same concept as virtual currency) requires 6 confirmations, but it takes about 1 hour, so there is a problem in that it is impossible to buy and sell frequently in a short time with this method.

In addition, in most transactions, the prior art is to establish a virtual currency transaction, that is, a purchase contract, as either one of the donor or the donor sets or releases the escrow, but usually in this process, various external factors such as hacking or server instability There were frequent cases of unexpected damage to both the donor and the beneficiary due to an unwanted virtual currency purchase transaction due to a variable.

In particular, due to the instability of the virtual currency market, its value fluctuates greatly, and there is an uneasy feeling of those who use it or want to invest, so smooth investment is not being made.

Accordingly, an object of the present invention is to provide a method for providing a two-way escrow service for virtual currency transactions that enables safer virtual currency transactions.

In particular, as proof that the real name of the coin and the impossibility of hacking become a reality, the company that issues and distributes biometric FSV coins stores the payment purchased through the coin brokerage exchange as an escrow trust deposit to protect stable virtual asset value transactions, The purpose of this is to ensure safety in biocoin transactions by introducing a payment refund system when returning coins.

In addition, it is an object of the present invention to create a digital virtual currency transaction method that transmits digital virtual currency in conjunction with a biometric authentication signal, and a digital virtual currency transaction system having a block chain between the parties through an authentication means for virtual currency without an owner The purpose of this is to provide compensation through compensation insurance in case the private key corresponding to the unique address, that is, the public address and password, is lost, and in the case of theft of virtual currency due to hacking. .

And, it is an object of the present invention to create a digital virtual currency transaction method that transmits digital virtual currency by interlocking it with a biometric authentication signal, and a digital virtual currency transaction system having a block chain between the parties through an authentication means for virtual currency without an owner The purpose of this is to ensure that there is no problem in the transmission, security, and hacking of virtual currency even if the unique address, that is, the public address and the private key corresponding to the password is lost.

Moreover, when the fingerprint conversion device of another type of the present invention comes into contact with the fingerprint, the ridges and grooves of the fingerprint are separated, and not by binary data output as a digital electrical signal, so that it can be linked with other digital electrical signals. There is this.

In addition, another type of finger vein conversion device of the present invention divides the image screen of the finger capillaries obtained through the preprocessor that visualizes the images of capillaries into matrix blocks, and divides the image screen into blocks according to the presence or absence of the divided capillary images. By not relying on binary data output as a digital electrical signal, the purpose is to enable interlocking with other digital electrical signals.

Furthermore, another type of iris converter of the present invention divides one iris image into each pixel, and each pixel does not depend on binary data output as a digital electrical signal according to the presence or absence of an iris pattern, thereby interlocking with other digital electrical signals. The purpose is to make it possible.

In addition, another type of face conversion device of the present invention divides each pixel into each pixel according to normalization of the face image according to the feature points of the eye position and surrounding detailed information for one face image, and does not depend on binary data output as a digital electrical signal. As such, the purpose is to be able to link with other digital electrical signals.

In the end, we created a digital virtual currency transaction method that transmits digital virtual currency by interlocking it with biometric authentication signals so that there is an owner, and a digital virtual currency transaction system with a block chain between the parties through the authentication means of the virtual currency as a biometric. Even if the private key corresponding to the unique address, that is, the public address and password, is lost, others cannot use it. The purpose is to make it possible to only trade.

The present invention is a method of trading cryptocurrency (Crypto-Currency) consisting of a donor terminal 300 and a donor terminal 400 having no issuer of money in a blockchain structure in which transmission records made in the network are collected and encrypted, First, the app execution step (S110) of the donor terminal 300 running the donor-side block chain-based digital virtual currency transaction app 310 mounted according to the donor's selection; The blockchain-based digital cryptocurrency transaction app 310 divides any one of a fingerprint, a finger vein, an iris, and a face image into each pixel, and each pixel is digital according to the presence or absence of a fingerprint, finger vein, iris and face pattern. The procedure is made by binary data output as an electrical signal, and the donor terminal 300 is a blockchain-based digital virtual currency stored and managed through the donor-side block chain-based digital virtual currency transaction app 310 . an information output unit display step (S120) of controlling the output display of the transaction screen 510 through the information output unit 301; After the information output unit display step (S120), the block chain-based digital virtual currency transaction guide server 200 determines whether the donor subscribes to compensation insurance that compensates for damages in the event of a transaction defect (S130b); At this time, if the compensation insurance is not subscribed, the insurance subscription procedure implementation step (S130c) of clarifying the 'insurance subscription procedure' according to the insurance subscription terms and conditions; Thereafter, the amount display field 511, the instant messenger selection field 512, and the text input field 513 on the block chain-based digital virtual currency transaction screen 510 displayed by the donor terminal 300 through the information output unit 301. ), when the transmission menu 514 is clicked in the state entered in the input form in accordance with the input form, the digital Blockchain-based digital that collects the amount information of virtual currency, the identification information of the selected instant messenger, and the personal information of the stored and managed donor to generate a transaction request signal for the donor and transmits it to the blockchain-based digital virtual currency transaction guide server 200 Cryptocurrency transaction guide transmission step (S130); The beneficiary terminal 400 automatically executed the beneficiary side block chain-based digital virtual currency transaction app 410 generates a personal details signal for the beneficiary authentication including the personal information of the beneficiary who receives the digital virtual currency with the block chain, and A digital virtual currency transaction guide transmitting step (S190) of transmitting it to the digital virtual currency transaction guide server 200; At this time, past the personal details signal transmission step (S190) for the beneficiary authentication. The block chain-based digital virtual currency transaction guide server 200 determines whether the beneficiary has purchased compensation insurance that compensates for damages in the event of a transaction defect (S190a); At this time, if the compensation insurance is not subscribed, the insurance subscription procedure implementation step (S190b) for clarifying the 'insurance subscription procedure' according to the insurance subscription terms and conditions; After that, the block chain-based digital virtual currency transaction guide server 200 displays insurance premiums based on the transaction volume and transaction amount of virtual currency on the donor terminal 300 and the donor terminal 400 on the screen ( S190c); Thereafter, the block chain-based digital virtual currency transaction guide server 200 determines whether the donor or the beneficiary will pay the premium based on the transaction amount and transaction amount of the virtual currency to the donor terminal 300 and the beneficiary terminal 400. insurance premium payment determination step (S190d); After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is stored in the member list information DB. (211), after confirming that the donor is a member, deduct the amount to be donated to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information in the electronic wallet list information DB 212, and the deduction After accumulating the amount of digital virtual currency amount information stored in the beneficiary's electronic wallet information, the transaction information for digital virtual currency transaction with a block chain is generated based on this amount and transmitted to the designated block chain holding servers 100. A digital virtual currency transaction transaction information transmission step (S200); After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital A transaction authentication step (S210) of authenticating a virtual currency transaction and performing authentication of the transaction by recording transaction information for a digital virtual currency transaction having a block chain according to the authentication; It is a transaction method of digital virtual currency that transmits digital virtual currency by compensation insurance, characterized in that it includes a biometric authentication signal.

In the present invention, after the block chain-based digital virtual currency transaction guide transmission step (S130), when the block chain-based digital virtual currency transaction guide server 200 transmits a donor transaction request signal from the donor terminal 300, the donor The donor recognition URL ( A) generating and transmitting it to the donor terminal 300, URL (A) transmission step for recognition of the recipient (S140); After that, when the donor terminal 300 transmits the donor recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200 through the donor-side blockchain-based digital virtual currency transaction app 310, select instant In the state that the donor instant messenger corresponding to the messenger identification information is automatically executed, the URL display guide screen for the donor instant messenger is inserted and displayed in the automatically executed donor instant messenger. (S150) outputting the URL display guide screen for the donor's instant messenger, which is controlled to be output through (301); Thereafter, when the donor terminal 300 designates the donor account of the instant messenger requesting delivery of the URL (A) for recognition of the donor through the donor's instant messenger through the donor's instant messenger designation guide screen, the donor URL (A) transmission step (S160) for transmitting the URL (A) for recognition of the recipient to the recipient terminal 400 corresponding to the account; Thereafter, the recipient's terminal 400 controls the beneficiary's side to output the URL display guide screen for the recipient's instant messenger in which the URL (A) for recognition of the recipient transmitted through the recipient's instant messenger is inserted and displayed through the information output unit 401 . URL display guide screen output step for instant messenger (S170); At this time, when the recipient terminal 400 is clicked on the recipient recognition URL (A) displayed on the recipient side instant messenger, the application automatic execution step of automatically running the recipient side block chain-based digital virtual currency transaction app 410 in conjunction with this (S180); It is a digital virtual currency transaction method that transmits digital virtual currency according to compensation insurance, characterized in that it further comprises a biometric authentication signal.

In the present invention, the blockchain-based digital cryptocurrency transaction app 310 divides any one of a fingerprint, a finger vein, an iris and a face image into each pixel, and each pixel is a fingerprint, a finger vein, an iris and a face pattern. It is a digital virtual currency transaction method that transmits digital virtual currency based on compensation insurance, which is linked with a biometric authentication signal, characterized in that the procedure is performed by binary data output as a digital electrical signal depending on the presence or absence of a digital signal.

As described above, the present invention enables a virtual currency transaction, that is, a purchase contract, to be established as either one of the donor or the beneficiary sets or cancels the escrow in most transactions, and usually in this process, various external factors such as hacking or server instability It has the effect of preventing unexpected damage between the donor and the beneficiary so that unwanted virtual currency damage does not occur due to the variable of

In particular, by applying the method of trading digital virtual currency by the two-way escrow service, there is an effect of smooth investment so as to relieve the anxiety of those who use it or want to invest.

Specifically, for example, if the purchased coin is hacked, use of the coin after 12 months from the payment date of the coin transaction, and after the grace period agreed with our company has elapsed, the remaining coins can be used continuously. It has the effect of preparing a stable virtual asset value trading system that provides an opportunity to choose yes/no whether or not to return the coin, and returns the payment deposited in the trust.

The purpose of the present invention is to create a digital virtual currency transaction method that transmits digital virtual currency in conjunction with a biometric authentication signal, thereby creating a unique digital virtual currency transaction system with a blockchain between the parties through the authentication means for virtual currency without an owner. In case the private key corresponding to the address, that is, the public address and the password is lost, and in the case of theft of virtual currency due to hacking, there is an effect of being compensated by the compensation insurance.

The present invention is a digital virtual currency transaction method that transmits digital virtual currency in conjunction with a biometric authentication signal. Even if the private key is lost, the virtual currency is matched with the biometric information and transmitted, or if the authentication signal by biometric information is not input, the donor transaction request signal is not transmitted, or the donor block By preventing the chain-based digital cryptocurrency trading app from automatically running, it is creating a great effect in the security and hacking prevention of Bitcoin (same concept as virtual currency).

Furthermore, the fingerprint conversion device of the present invention can bring the effect of interlocking with other digital electrical signals by converting the ridges and grooves of the fingerprint into binary data output as digital electrical signals when the fingerprint is in contact. .

In addition, the finger vein conversion device of the present invention divides the image screen of the capillary image of the finger obtained through the preprocessor that visualizes the image of the capillary into a matrix block, and a digital electrical signal for each block according to the presence or absence of the divided capillary image. By converting by binary data output as , it is possible to bring about the effect of interlocking with other digital electrical signals.

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

In addition, the face conversion device of the present invention divides one face image into each pixel according to face image normalization according to eye position and feature points of peripheral detailed information for one face image and converts it into binary data output as a digital electrical signal, It can bring the effect of interlocking with other digital electrical signals.

1 is an overall configuration diagram showing a digital virtual currency transaction system having a block chain between parties of the prior invention;
2 is a block diagram showing a DB unit mounted on a block chain-based digital virtual currency transaction guide server among the components constituting a digital virtual currency transaction system having a block chain between parties of the prior invention;
Figure 3a is a diagram showing a block-chain-based digital virtual currency transaction screen stored in a donor terminal during the configuration of a digital virtual currency transaction system having a block chain between parties of the prior invention;
Figure 3b shows a donor-side instant messenger with a URL for recognizing a donor during a transaction process of a digital virtual currency having a block chain between parties using the transaction system of a digital virtual currency having a block chain between parties according to the prior invention. A drawing showing the displayed donor-side instant messenger URL display guide screen;
Figure 3c is a donor side that selects a donor on the instant messenger of the donor side mounted on the donor terminal during the transaction process of the digital virtual currency having the block chain between the parties using the transaction system of the digital virtual currency with the block chain between the parties of the prior invention A drawing showing the donor designation guide screen for instant messenger,
Figure 3d shows a URL for recognizing a recipient on the instant messenger of the recipient side mounted on the recipient terminal during the transaction process of digital virtual currency having a block chain between the parties using the transaction system of digital virtual currency having a block chain between the parties of the prior invention. A drawing showing the displayed URL display guide screen for the recipient's instant messenger,
Figure 3e shows the donor using the transaction system of the digital virtual currency with the block chain between the parties of the prior invention, during the transaction process of the digital virtual currency with the block chain between the parties, the donor uses the block chain on the donor's instant messenger mounted on the donor terminal. A drawing showing a payment confirmation guide screen for an instant messenger on the donor's side indicating that the digital virtual currency has been paid,
Figure 3f shows the electronic wallet of the recipient on the instant messenger of the recipient side mounted in the recipient terminal during the transaction process of the digital virtual currency having the block chain between the parties using the transaction system of the digital virtual currency with the block chain between the parties of the prior invention. A drawing showing the cumulative storage guide screen for the donor's instant messenger, which guides the cumulative storage of digital virtual currency with the block chain sent by the donor;
4 is a flowchart illustrating a process of performing a digital virtual currency transaction with a block chain between parties using the conventional digital virtual currency transaction system with a block chain between parties of the present invention.
5 is a block diagram illustrating a digital virtual currency transaction process having a block chain between parties using the digital virtual currency transaction system having a block chain between parties of the present invention.
6 is a flowchart illustrating a digital virtual currency transaction process having a block chain between parties using the digital virtual currency transaction system having a block chain between parties of the present invention.
7 is a flowchart (a) of the first half showing the transaction process of digital virtual currency having a block chain between parties subject to insurance when using the digital virtual currency transaction system having a block chain between parties of the present invention .
8 is a flowchart (b) of the second half showing the transaction process of digital virtual currency having a block chain between parties subject to insurance when using the digital virtual currency transaction system having a block chain between parties of the present invention .
9 is a diagram conceptually illustrating an image acquisition mechanism of a finger vein and a finger fingerprint of an authentication device according to an embodiment of the present invention.
10 is a view showing an example of the internal electronic configuration of the authentication device of the present invention.
11 shows a finger fingerprint surface (a) and a finger side surface (b) of the same finger photographed by the finger vein image sensor and the finger fingerprint image sensor.
12 is a view showing an input/output integrated module that interlocks an algorithm of a fingerprint and a finger vein.
13 is a flowchart for requesting registration of fingerprints and finger veins.
14 is a schematic perspective view of a mouse that is authenticated by fingerprint 1, fingerprint 2 and finger veins applied to the present invention;
15 is an exemplary configuration diagram of a fingerprint or/and finger vein photographing authentication device according to an embodiment applied in the present invention;
16 is a block diagram illustrating a digital virtual currency transaction process having a block chain between parties using the digital virtual currency transaction system having a block chain between parties of the present invention.
17 is a flowchart illustrating a digital virtual currency transaction process having a block chain between parties using the digital virtual currency transaction system having a block chain between parties of the present invention.
18 is a flowchart (a) of the first half showing the transaction process of digital virtual currency having a block chain between parties subject to insurance when using the digital virtual currency transaction system having a block chain between parties of the present invention .
19 is a flowchart of the second half of the first half showing the transaction process of digital virtual currency having a block chain between parties subject to insurance when using the digital virtual currency transaction system having a block chain between the parties of the present invention (b) )am.
20 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and the digital processing circuit of the first conventional fingerprint invention applied to the present invention are applied.
21 is a block diagram showing the configuration of a single-chip fingerprint recognition device according to the second conventional fingerprint invention applied to the present invention.
22 is a block diagram illustrating a single-chip implementation of a fingerprint recognition device according to the second invention of a conventional fingerprint applied to the present invention.
23 is an exemplary diagram comparing fingerprint recognition using a specific point of a fingerprint according to the conventional third fingerprint invention applied to the present invention;
24 is a flowchart illustrating the operation process of the biometric security device according to an embodiment of the prior art finger vein invention applied to the present invention,
25 is a diagram illustrating the setting of a reference point of an effective site during capillary imaging of a conventional finger vein invention applied to the present invention;
26 is a view for explaining the image segmentation and binarization process of the preprocessor of the conventional finger vein invention applied to the present invention.
27 is a block diagram illustrating an iris recognition apparatus using a short-distance iris photographing camera according to an embodiment of the conventional iris invention applied to the present invention.
28 is a flowchart illustrating an iris recognition method using a short-distance iris photographing camera according to an exemplary embodiment of the related art invention of the iris applied to the present invention.
29 is a view for explaining a method of normalizing to binary data in an iris recognition method using a short-distance iris photographing camera according to an embodiment of the related art invention of the iris applied to the present invention.
30 is an explanatory view for explaining the muscle structure of the eye of the conventional facial invention applied to the present invention.
31 is a simplified configuration diagram of a face image of a conventional face invention applied to the present invention.
32 is an external view of a finger vein pattern input device according to an embodiment of the prior art applied to the present invention.
33 is a cross-sectional view of FIG. 32 applied to the present invention.
34 and 35 are block diagrams using algorithms for fingerprint/finger veins and iris/face of the system applied to the present invention.
36 is a block diagram of a method of transacting digital virtual currency by the two-way escrow service of the present invention.
37 and 38 are flowcharts of a method of trading digital virtual currency by the two-way escrow service of 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.

Since the meaning of use may be included along with the meaning of each use of the term "or", the term E sometimes includes the concept of "or/and".

First, in order to help the understanding of the technical content of the present invention, even in the prior art related to FIG. 1, the donor terminal 300 and the donor terminal 400, which are the technical contents that form the basis of the present invention, will be described in detail.

The donor terminal 300 generates a donor transaction request signal including the amount information of the digital virtual currency having the block chain to be donated and the donor's personal information, and transmits it to the digital virtual currency transaction guide server 200, , A donor-side blockchain-based digital virtual currency transaction app 310 that guides the recipient to designate and transmit the recipient recognition URL (A) transmitted from the digital virtual currency transaction guide server 200 . This is the mounted terminal member.

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

It is possible to use the hybrid web instead of the app 310 , and by activating the hybrid web, it is possible to access or transmit information here.

In addition, the donor terminal 300 controls the donor terminal 300 according to the user's operation in order to operate the donor-side block chain-based digital virtual currency transaction app 310, or a keypad that generates a user input signal for operating An information input unit such as, an information storage unit in which data such as the donor's personal information to be described later or the donor-side block chain-based digital virtual currency transaction app 310, which is a dedicated program, is stored, a block chain-based digital virtual currency transaction screen to be described later It is composed of an information output unit 301 that outputs multimedia information such as 510 and a control unit that performs overall operation control of the donor terminal 300, and only the information output unit 301 is shown in order to clearly limit the present invention. A reference number is specified, which also specifies a reference number only on the information output unit 401 in the receiver terminal 400, which will be described later.

As such, the donor terminal 300 performing the function includes palmtops, personal digital assistants (PDAs), communication terminal devices such as smart phones capable of Internet access, portable multimedia player (PMP), or UMPC (Ultra). It can be applied to various terminals such as -mobile PC) and MID (Mobile Internet Device), which is equally applicable to the recipient terminal 400 to be described later.

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

Here, the donor-side blockchain-based digital virtual currency transaction app 310 and the donor-side blockchain-based digital virtual currency transaction app 410 are the same app, and in order to clearly distinguish them, prefixes of the donor side and the donor side are attached. .

In addition, it is preferable that the donor terminal 300 and the donor terminal 400 be provided based on an instant messenger (IM) so that the donor can easily select a donor who wants to give digital virtual currency having a block chain.

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

In this way, the donor-side instant messenger and the donor-side instant messenger are the same instant messenger, and in order to clearly distinguish them, prefixes of the donor-side and the recipient-side are attached here as well.

Through this, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 collects and transmits selective IM identification information that identifies the donor-side instant messenger designated by the donor in the donor transaction request signal. , when the URL (A) for recognizing the donor is transmitted from the digital virtual currency transaction guide server 200, the donor-side instant messenger designated by the donor is automatically executed, and the donor-side instant messenger recognizes the donor. When the donor's instant messenger designates a beneficiary account of the instant messenger that requests delivery of the URL (A) for recognition of the donor, the donor terminal 400 corresponds to the beneficiary account. ) is programmed to be transmitted.

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

Hereinafter, an embodiment of the present invention will be described in detail with reference to the accompanying Figures 5, 6, 7 and 8.

5 is a block diagram illustrating a digital virtual currency transaction process having a block chain between parties using the digital virtual currency transaction system having a block chain between the parties of the present invention, and FIG. 6 is a diagram between the parties of the present invention It is a flowchart showing that a transaction process of a digital virtual currency having a block chain is performed between parties using a digital virtual currency transaction system having a block chain, and FIG. 7 is a digital virtual currency transaction having a block chain between the parties of the present invention. A flow chart (a) of the first half showing the transaction process of a digital virtual currency having a block chain between parties subject to insurance subscription when using the system, and FIG. 8 is a digital virtual currency having a block chain between the parties of the present invention. It is a flowchart (b) of the second half showing the transaction process of digital virtual currency having a block chain between parties subject to insurance when using the transaction system.

The overall matching program 340a in the block diagram showing the transaction process of the digital virtual currency having the block chain between the parties using the digital virtual currency transaction system having the block chain between the parties of the present invention in FIG. 5 and The electronic encryption source 316 provided from the first file 315a, which is the basic unit of the linked virtual currency, is converted in the general matching program 340a, and the electronic algorithm source 416 provided by the fingerprint/finger vein algorithm 415. ) is converted in the general matching program 340a, so that they can be fused by the matching program 344, so that they can be transacted as a basic unit of transmission.

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

Of course, in order to transmit a large amount, it is desirable to create and operate a program of a lump-sum payment method.

In FIG. 6, since the same procedure as that shown in the conventional transmission method is used as it is, it will be described as an essential element of the present invention.

In the code display, the code having the same technical content as that of the prior art is used the same.

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

At this time, in order to prevent the exposure of all information, it is checked whether the electronic encryption source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the fingerprint or finger vein are matched. It is requested by the fingerprint or / and finger vein authentication means, where it is determined whether the virtual currency and the fingerprint or / and finger vein authentication information is matched (S130a).

If the above conditions are not satisfied, the transaction is terminated, and then, the donor terminal 300 displays the amount display field 511 on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 . ), the instant messenger selection field 512 and the text input field 513, when the send menu 514 is clicked while the input form is entered according to the input form, the donor-side blockchain-based digital virtual currency transaction app 310 is a block A transaction request signal for the donor is generated by collecting the amount information of the digital virtual currency input through the chain-based digital virtual currency transaction screen 510, the selected IM identification information, and the personal information of the stored and managed donor, and it is a block chain-based digital virtual currency It is transmitted to the currency transaction guide server 200 (S130).

Then, when the block chain-based digital virtual currency transaction guide server 200 transmits the donor transaction request signal from the donor terminal 300, the donor's personal information included in the donor transaction request signal is transferred to the member list information DB 211. By matching with and confirming that you are a member, a URL (A) for beneficiary recognition that guides you to recognize a beneficiary who is gifted with digital virtual currency having a block chain is generated and transmitted to the donor terminal 300 (S140).

After that, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 transmits the donor recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, select IM identification In a state where the donor-side instant messenger corresponding to the information is controlled to be automatically executed, the donor-side instant messenger URL display guidance screen (see FIG. 3b ) in which the donor-side instant messenger URL (A) is inserted and displayed in the automatically executed donor-side instant messenger A control is performed so that it is output through the information output unit 301 (S150).

Thereafter, in the donor-side instant messenger of the donor terminal 300, the donor-side instant messenger designates the donor account of the instant messenger that the donor requests for delivery of the beneficiary URL (A) through the donor designation guide screen for the donor-side instant messenger (refer to FIG. 3c ). Then, the URL (A) for recognition of the beneficiary is transmitted to the recipient terminal 400 corresponding to the beneficiary account (S160).

Thereafter, the recipient-side instant messenger of the recipient terminal 400 outputs a URL display guide screen for the recipient-side instant messenger in which the transmitted recipient-recognition URL (A) is inserted and displayed (see FIG. 3D ) through the information output unit 401 ( S170) to be controlled.

After that, when the recipient recognition URL (A) displayed on the recipient side instant messenger of the recipient terminal 400 is clicked, the recipient side block chain-based digital virtual currency transaction app 410 is automatically executed (S180) in conjunction with this. .

The beneficiary side block chain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a personal details signal for beneficiary authentication including the personal information of the beneficiary who receives a digital virtual currency gift with a block chain, This is controlled to be transmitted (S190) to the digital virtual currency transaction guide server 200.

After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is stored in the member list information DB. (211), after confirming that the donor is a member, deduct the amount to be donated to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information in the electronic wallet list information DB 212, and the deduction After accumulating the amount of digital virtual currency amount information stored in the beneficiary's electronic wallet information, the transaction information for digital virtual currency transaction with a block chain is generated based on this amount, and this information is sent to the designated block chain holding servers ( 100 ). Transmit (S200).

At this time, the block chain-based digital virtual currency transaction guide server 200 includes the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of fingerprints or finger veins and It is determined whether there is a request to convert the donor of the matched virtual currency into a beneficiary by the authentication signal of the fingerprint or finger vein, and the donor-recipient's fingerprint or finger vein authentication information conversion step (S210a) for converting this information is performed. do.

After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital By authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a block chain according to the authentication (S210), the transaction is authenticated.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 transmits a message to the donor terminal 300 stating that the digital virtual currency having the block chain has been paid to the donor.

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

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

Another Bitcoin (same concept as virtual currency) transaction method, Bitcoin (Virtual Currency) is a blockchain structure that collects and encrypts transmission records made in the network. In the transaction method of Bitcoin (same concept as virtual currency), it executes the program mounted on the computer constituting the Bitcoin (same concept as virtual currency) network to authenticate the transaction of Bitcoin (same concept as virtual currency) obtaining by mining the same concept as virtual currency); It is a program executed by a computer, and when trading bitcoins (same concept as virtual currency) obtained by mining and purchasing for the transaction of bitcoin (same concept as virtual currency), execute the program installed in the computer to trade. generating a member's exchange web wallet address on a cryptocurrency exchange server by executing a program loaded on a member server or a member computer equipped with a program provided by the server; Bitcoin (same concept as virtual currency) traded by executing a program mounted on member server or member computer (same concept as virtual currency) Transaction of Bitcoin (same concept as virtual currency) through a cryptocurrency exchange server equipped with a database (DB) that stores transaction details generating an address of an exchange general wallet for a cryptocurrency exchange server; and generating an exchange address of a member stored in a cryptocurrency exchange server in order to trade bitcoin (same concept as virtual currency) by executing a program mounted on the member server or member computer.

At this time, before sending Bitcoin (same concept as virtual currency), biometric authentication of the donor is requested by fingerprint and/or finger vein authentication means for identity authentication. to do; At this time, whether the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the fingerprint or finger vein is matched with the fingerprint or / and finger vein authentication means Determining whether or not the virtual currency and the fingerprint or finger vein authentication information is requested by the; Created on the cryptocurrency exchange server from the member's exchange web wallet address created on the cryptocurrency exchange server in order to quickly process bitcoin (same concept as virtual currency) transactions by running the program mounted on the member server or member computer transmitting bitcoin (same concept as virtual currency) to an exchange general wallet address; While the program installed on the cryptocurrency exchange server is running, the transfer of Bitcoin (same concept as virtual currency) from the member's own exchange web wallet address created on the cryptocurrency exchange server to the exchange general wallet address created on the exchange server step of verifying.

At this time, when it is confirmed that the transfer of Bitcoin (same concept as virtual currency) has been made, the program loaded on the cryptocurrency exchange server is executed and the exchange address of the stored member is not real Bitcoin (same concept as virtual currency) depositing and processing Bitcoin (same concept as virtual currency) by changing the numerical value on the database mounted on the cryptocurrency exchange server; And when the transaction of Bitcoin (same concept as virtual currency) is completed due to a change in the number on the database mounted on the cryptocurrency exchange server, the Bitcoin (virtual currency) comprising the step of offsetting the pre-deposited portion without depositing it in the member's database Same concept as money) It is about transaction method.

At this time, if necessary, the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the donor of the virtual currency matched with the electronic algorithm source of the fingerprint or finger vein are fingerprinted or designated It is possible to determine whether there is a request for conversion to a beneficiary by the authentication signal of the Mac, and perform the donor-recipient's fingerprint or finger vein authentication information conversion step of converting this information.

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

In the code display, the code having the same technical content as that of the prior art is used the same.

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

At this time, in order to prevent the exposure of all information, it is checked whether the electronic encryption source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the fingerprint or finger vein are matched. It is requested by the fingerprint or / and finger vein authentication means, where it is determined whether the virtual currency and the fingerprint or / and finger vein authentication information is matched (S130a).

After the fingerprint or finger vein authentication information matching step (S130a), the blockchain-based digital virtual currency transaction guide server 200 determines whether the donor subscribes to compensation insurance that compensates for damages in the event of a transaction defect. (S130c).

At this time, if the above compensation insurance is not insured, the insurance subscription procedure implementation step to clarify the 'insurance subscription procedure' according to the insurance policy (in the case of premium, the calculation standard is determined by the transaction volume or amount of virtual currency) (S130d) is performed.

If the above conditions are not satisfied, the transaction is restarted, and thereafter, the donor terminal 300 displays the amount displayed on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 ( 511), the instant messenger selection box 512, and the text input field 513, when the transmission menu 514 is clicked while the input form is entered according to the input form, the donor-side blockchain-based digital virtual currency transaction app 310 is The amount information of the digital virtual currency input through the block chain-based digital virtual currency transaction screen 510, the selected IM identification information, and the stored and managed donor's personal information are collected to generate a transaction request signal for the donor, which is then converted into a blockchain-based digital It is transmitted to the virtual currency transaction guide server 200 (S130).

Then, when the block chain-based digital virtual currency transaction guide server 200 transmits the donor transaction request signal from the donor terminal 300, the donor's personal information included in the donor transaction request signal is transferred to the member list information DB 211. By matching with and confirming that you are a member, a URL (A) for beneficiary recognition that guides you to recognize a beneficiary who is gifted with digital virtual currency having a block chain is generated and transmitted to the donor terminal 300 (S140).

After that, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 transmits the donor recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, select IM identification In a state where the donor-side instant messenger corresponding to the information is controlled to be automatically executed, the donor-side instant messenger URL display guidance screen (see FIG. 3b ) in which the donor-side instant messenger URL (A) is inserted and displayed in the automatically executed donor-side instant messenger A control is performed so that it is output through the information output unit 301 (S150).

Thereafter, in the donor-side instant messenger of the donor terminal 300, the donor-side instant messenger designates the donor account of the instant messenger that the donor requests for delivery of the beneficiary URL (A) through the donor designation guide screen for the donor-side instant messenger (refer to FIG. 3c ). Then, the URL (A) for recognition of the beneficiary is transmitted to the recipient terminal 400 corresponding to the beneficiary account (S160).

Thereafter, the recipient-side instant messenger of the recipient terminal 400 outputs a URL display guide screen for the recipient-side instant messenger in which the transmitted recipient-recognition URL (A) is inserted and displayed (see FIG. 3D ) through the information output unit 401 ( S170) to be controlled.

After that, when the recipient recognition URL (A) displayed on the recipient side instant messenger of the recipient terminal 400 is clicked, the recipient side block chain-based digital virtual currency transaction app 410 is automatically executed (S180) in conjunction with this. .

The beneficiary side block chain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a personal details signal for beneficiary authentication including the personal information of the beneficiary who receives a digital virtual currency gift with a block chain, This is controlled to be transmitted (S190) to the digital virtual currency transaction guide server 200.

At this time, past the personal details signal transmission step (S190) for the beneficiary authentication. The block chain-based digital virtual currency transaction guide server 200 determines whether to subscribe to compensation insurance, which determines whether the beneficiary has subscribed to compensation insurance that compensates for damages in case of transaction defects (S190a).

At this time, if the above compensation insurance is not insured, the insurance subscription procedure implementation step to clarify the 'insurance subscription procedure' according to the insurance policy (in the case of premium, the calculation standard is determined by the transaction volume or amount of virtual currency) (S190b) is performed.

If the above conditions are not satisfied, the transaction is restarted, and thereafter, the block chain-based digital virtual currency transaction guide server 200 sends the virtual currency transaction volume and transaction to the donor terminal 300 and the donor terminal 400 . A premium calculation and expression step (S190c) of displaying the premium based on the amount on the screen is performed.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 provides the donor terminal 300 and the donor terminal 400 with a premium based on the transaction volume and transaction amount of the virtual currency (hereinafter referred to as 'virtual currency insurance premium'). ), the premium payment determination step (S190d) is performed to determine whether the donor or the beneficiary will pay the premium (the payment method (payer) of these virtual currency premiums is determined by the 'insurance policy').

After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is stored in the member list information DB. (211), after confirming that the donor is a member, deduct the amount to be donated to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information in the electronic wallet list information DB 212, and the deduction After accumulating the amount of digital virtual currency amount information stored in the beneficiary's electronic wallet information, the transaction information for digital virtual currency transaction with a block chain is generated based on this amount, and this information is sent to the designated block chain holding servers ( 100 ). Transmit (S200).

At this time, the block chain-based digital virtual currency transaction guide server 200 includes the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of fingerprints or finger veins and It is determined whether there is a request to convert the donor of the matched virtual currency into a beneficiary by the authentication signal of the fingerprint or finger vein, and the donor-recipient's fingerprint or finger vein authentication information conversion step (S210a) for converting this information is performed. do.

After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital By authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a block chain according to the authentication (S210), the transaction is authenticated.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 transmits a message to the donor terminal 300 stating that the digital virtual currency having the block chain has been paid to the donor.

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

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

As described above, when considering the technology, the features of the present invention can be defined in the following way in consideration of each feature in the transaction procedure of virtual currency, and the invention can be established by a combination thereof.

In the transaction method of cryptocurrency (Crypto-Currency) without the issuer of money in a blockchain structure in which transmission records made in the network are collected and encrypted, first, the donor terminal 300 is mounted according to the donor's selection. App or web execution step (S110) for executing the donor-side block chain-based digital virtual currency transaction app 310 or hybrid web; The donor terminal 300 outputs the blockchain-based digital virtual currency transaction screen 510 stored and managed through the donor-side blockchain-based digital virtual currency transaction app 310 through the information output unit 301 . It is a digital virtual currency transaction method for transmitting digital virtual currency by compensation insurance in conjunction with a biometric authentication signal, comprising: a display step (S120) of an information output unit for controlling display.

And, a feature of the present invention is that after the information output unit display step (S120), the block chain-based digital virtual currency transaction guide server 200 determines whether the donor has purchased compensation insurance that compensates for damages in the event of a transaction defect. determining whether or not (S120a); At this time, when the donor terminal 300 is not subscribed to the compensation insurance, the insurance subscription procedure implementation step (S120b) of illuminating the 'insurance subscription procedure' according to the insurance subscription terms and conditions; characterized in that it comprises a; It is a digital virtual currency transaction method that transmits digital virtual currency by compensation insurance.

Then, the feature of the present invention is that the donor terminal 300 is displayed through the information output unit 301 in the amount display field 511 and the instant messenger selection field 512 on the blockchain digital virtual currency transaction screen 510. And when the send menu 514 is clicked while the text input field 513 is entered according to the input form, the block chain-based digital virtual currency transaction screen ( 510), the amount information of the digital virtual currency input, the identification information of the selected instant messenger, and the personal information of the donor stored and managed to generate a transaction request signal for the donor and send it to the block chain-based digital virtual currency transaction guide server 200 A block chain-based digital virtual currency transaction guide transmission step (S130); After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the donor transaction request signal from the donor terminal 300, the donor's personal information included in the donor transaction request signal is transferred to the member list information DB (211). After confirming that you are a member, you create a URL (A) for beneficiary recognition that guides you to recognize a beneficiary who receives a digital virtual currency with a block chain, and transmits it to the donor terminal 300. (A) a transmission step (S140); is a digital virtual currency transaction method that transmits digital virtual currency according to compensation insurance by interlocking it with a biometric authentication signal.

And, the feature of the present invention is that, after the donor terminal 300 is a donor-side block-chain-based digital virtual currency transaction app 310, the donor recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200 ) is transmitted, the donor-side instant messenger URL (A) is inserted and displayed in the automatically executed donor-side instant messenger while the donor-side instant messenger corresponding to the selected instant messenger identification information is automatically executed. URL display guide screen output step for the donor-side instant messenger for controlling the display guide screen to be output through the information output unit 301 (S150); Thereafter, when the donor terminal 300 designates the donor account of the instant messenger requesting delivery of the URL (A) for recognition of the donor through the donor's instant messenger through the donor's instant messenger designation guide screen, the donor Biometric authentication of digital virtual currency by compensation insurance, characterized in that it includes a; URL (A) transmission step (S160) for transmitting the URL (A) for recognition of the recipient to the recipient terminal 400 corresponding to the account It is a transaction method of digital virtual currency that is transmitted in conjunction with a signal.

And, a feature of the present invention is that the URL display guide screen for the recipient's side instant messenger in which the recipient's side instant messenger URL (A) transmitted through the recipient's side instant messenger is inserted and displayed by the recipient terminal 400 is the information output unit 401 . URL display guide screen output step for the recipient's instant messenger to be output through the control step (S170); At this time, when the recipient terminal 400 is clicked on the recipient recognition URL (A) displayed on the recipient side instant messenger, the application automatic execution step of automatically running the recipient side block chain-based digital virtual currency transaction app 410 in conjunction with this (S180); is a digital virtual currency transaction method that transmits digital virtual currency by interlocking with a biometric authentication signal by compensation insurance, characterized in that it includes.

And, a feature of the present invention is that the beneficiary terminal 400 is automatically executed, the beneficiary side block chain-based digital virtual currency transaction app 410 is a beneficiary including the personal information of the beneficiary who receives the digital virtual currency with the block chain. A digital virtual currency transaction guide transmission step (S190) of generating a personal details signal for authentication and transmitting it to the digital virtual currency transaction guide server 200; At this time, past the personal details signal transmission step (S190) for the beneficiary authentication. The block chain-based digital virtual currency transaction guide server 200 determines whether the beneficiary has purchased compensation insurance that compensates for damages in the event of a transaction defect (S190a); At this time, when the donor terminal 300 is not subscribed to the compensation insurance, an insurance subscription procedure implementation step (S190b) of illuminating the 'insurance subscription procedure' according to the insurance subscription terms and conditions; If the above conditions are not satisfied, the transaction is restarted, and thereafter, the block chain-based digital virtual currency transaction guide server 200 sends the virtual currency transaction volume and transaction to the donor terminal 300 and the donor terminal 400 . A premium calculation and expression step of displaying the premium based on the amount on the screen (S190c); Thereafter, the block chain-based digital virtual currency transaction guide server 200 determines whether the donor or the beneficiary will pay the premium based on the transaction amount and transaction amount of the virtual currency to the donor terminal 300 and the beneficiary terminal 400. It is a digital virtual currency transaction method that transmits digital virtual currency by compensation insurance in conjunction with a biometric authentication signal, comprising the step of determining insurance premium payment (S190d).

And, the feature of the present invention is that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the terminal 400 of the beneficiary, the After confirming that the beneficiary is a member by matching the personal information with the member list information DB 211 After deducting the amount and accumulating the deducted amount in the amount information of the blockchain-based digital virtual currency stored in the beneficiary's electronic wallet information, based on this, transaction information for digital virtual currency transaction with a block chain is generated and the designated block chain is retained. Transaction information transmission step for digital virtual currency transaction to be transmitted to the servers 100 (S200); After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital By authenticating the virtual currency transaction and recording the transaction information for digital virtual currency transaction having a block chain according to the authentication, the transaction authentication step (S210) of performing the authentication of the transaction; It is a digital virtual currency transaction method that transmits digital virtual currency by linking it with biometric authentication signals.

And, a feature of the present invention is that the blockchain-based digital virtual currency transaction app 310 divides one fingerprint or finger vein image into each pixel, and each pixel is a binary output that is output as a digital electrical signal according to the presence or absence of a fingerprint pattern. It is possible to transmit fingerprint or finger vein information data by data.

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

And, a feature of the present invention is that the blockchain-based digital virtual currency transaction app 310 is face information composed of binary data determined by dividing each pixel according to face image normalization by eye position and feature points of surrounding detailed information. It is a digital virtual currency transaction method that transmits digital virtual currency by compensation insurance, characterized in that data is transmitted.

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

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

As shown in FIG. 9, the present invention is an integrated photographing authentication device 200a capable of photographing fingerprints and finger veins, and the object receiving unit 201 includes a scan panel upper case 201a that forms a finger seat up and down, and its It consists of a scan panel lower case 201b for accommodating the entire length, and a scan panel 250 for simultaneously photographing fingerprints and finger veins made of a transparent material such as glass or acrylic is installed on the upper part of the scan panel upper case 201a. The scan panel 250 is formed with a fingerprint finger contact part 250a and a finger vein finger non-contact part 250b forming a step in front and back.

The finger vein non-contact portion 250b of the scan panel 250 is formed on the edge with the groove side wall 251 so that it can be formed as a groove, and the finger resting portion 252 is formed around the upper end of the finger resting part 252. is formed in parallel with the fingerprint finger contact portion 250a.

In addition, the temperature sensor 275 for detecting the temperature of the blood flow of the finger is formed in front of the finger vein non-contact portion 250b to face the fingerprint finger contact portion 250a of the scan panel 250, so that the finger can land. In this case, the finger temperature and blood flow are sensed, and the finger veins are recognized by the detected temperature and flow.

In addition, the infrared side transmitter case 260 for accommodating the infrared side transmitter 260a is formed on one side to be photographed from the side in order to more accurately photograph the finger veins.

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

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

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

In addition, the lower finger vein image sensor 230 is installed inside the object receiving unit 201, toward the scan panel 250 to photograph the finger veins of the object from the bottom.

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

In addition, the fingerprint recognition unit provides a method for determining a fingerprint by contact with the fingerprint by forming the fingerprint recognition module 250aa.

This fingerprint recognition module (250aa) has a multi-layered thin plate structure, a fingerprint recognition layer is formed on the upper layer of the fingerprint authentication module, and a temperature and blood flow sensing authentication layer is formed on the lower part to detect the temperature and blood flow of the human body. It can be formed to be able to start its operation later.

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

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

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

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

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

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

In another embodiment of the present invention, a plurality of infrared light source units 240 and visible light source units 242 are installed in the object accommodating unit 101 so that infrared rays and visible lines reach the object evenly, thereby optimizing image acquisition.

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

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

As shown in Figs. 11 (a) and (b), it is an angle at which infrared rays are photographed from the inner surface and the side of one finger, respectively.

Unexplained reference numeral 1a denotes a part of a finger vein between the knuckles, 1b denotes a knuckle of a finger, and 1c denotes a fingerprint part.

When photographing a front image of a finger object, place the fingertip surface of the finger so that it touches the scan panel, and according to the number of finger vein image sensors 230, 231, 232, and 233, when photographing a side image, the finger is left as it is. 90 degrees to the side so that the side touches the scan panel. The shooting order of the fingerprint surface and the side of the finger may be changed.

The digital conversion unit 1290 receives both the finger vein image and the finger fingerprint image and extracts the finger vein image and the finger fingerprint image. By the digital conversion unit 1290, the present invention obtains a finger vein and a finger fingerprint image file for a finger.

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

The male and female identification processing unit 265 performs a function of registering the male information as “1” and female information as “2” when simultaneously authenticating the fingerprint and the finger vein, if necessary.

According to the previous application of the present inventor, there is a method of storing data of human body information divided by bank, gender, and generation when constructing such a server.

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

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

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

The matching algorithm unit 1260 acquires the user's data stored in the biometric information data storage 1270 and determines whether the user's biometric information value obtained from the digital conversion unit 1290 matches. If they match, a success message may be output through the display unit 1280 . If the decryption fails, an authentication failure message may be output on the display unit 1280 .

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

In particular, it determines the finger vein image acquisition, processing, authentication operation and authentication result. Various software can be used in relation to the processing and calculation of the acquired finger vein image.

For example, a Canny edge detector algorithm can be used. By applying a Gaussian filter, the noise of the original image can be completely removed. Corners the image through Image Gradient. That is, the sketch line of the image is extracted. Apply Non-Maximum Suppression to thin the edges (sketch lines), apply a double threshold to classify dark edges as solid edges, and classify faint edges as noise and classify them as weak edges. . And finally, the weak edges are deleted, leaving only the clear edges, and finally outputting the edged image of the finger veins.

The integrated module that interlocks the algorithm of fingerprints and finger veins to implement this can be described as follows.

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

As shown in FIG. 12, the input/output integrated module U1 for linking the algorithm of the fingerprint and the finger veins at the same time is composed of a fingerprint module U2, a finger vein module U3, and a conversion module U4.

First, the fingerprint module U2 will be described.

GND line 1 of the fingerprint module (U2) is a reference of the (-) voltage circuit, and serves as a 0V grounding function. Line RX 2 is a serial data receiving port and functions to control the fingerprint module, and TX 3 The line is a serial data transmission port, which reads the fingerprint module status, and the VCC line 4 serves as a +5V voltage input based on the (+) voltage of the power circuit. The fingerprint is scanned and compared with the pre-stored image. 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.

Next, the finger vein module (U3) will be described.

GND line 1 of the finger vein module (U3) serves as a reference of (-) voltage and serves as a grounding function of 0V, and line A 2 is a serial communication standard RS485 communication port A, which functions to receive and transmit data, B Line 3 is a serial communication standard RS485 communication port B, which functions to receive and transmit data, and VCC line 4 is to input +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 the vein image with the pre-stored vein image. output as

Here, 485 communication refers to the serial communication standard.

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

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

And, the 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 the RE 6 line is a 485 communication control port, which controls the transmission/reception status of the 485 communication module. The DE line 7 is a 485 communication control port, which controls the transmission/reception status of the 485 communication module, and the RO 8 line is a serial 232 communication transmission port, which transmits commands. It will be 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 and functions to transmit data to the computer, and the D0/RX line 2 is a serial 232 communication reception port and functions to receive data from the computer. , GND line 4 is the reference of the (-) voltage and functions as a 0V ground, D2 line 5 is the fingerprint module (U2) serial 232 communication transmission line, which transmits commands to the fingerprint module, D3 6 Line No.2 is the serial 232 communication receiving line of the fingerprint module (U2), and has a function to receive the status value of the fingerprint module. Line 11 of D8 is the serial 232 communication transmission port of the 485-232 communication conversion module (U4), designated It functions to control the MAC module (U3), and D9 line 12 is the 485 communication control port of the 485-232 communication conversion module (U4), which 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 sending/receiving status of the 485 communication module, and D11 line 14 is the serial 232 communication receiving port of the 485-232 communication conversion module (U4). As a function, it reads the status of the finger vein module (U3), and the 5V line 27 is a (+) voltage 5V output PIN, and the fingerprint module (U2), finger vein module (U3), 485 communication conversion module (U4) ), the GND line 29 serves as a reference for the (-) voltage and serves as a 0V grounding function, and the VIN line No. 30 serves as a reference for the (+) voltage and functions as a +5V voltage input. , the configuration as described above includes a fingerprint authentication code (a unique number of a customer with a registered fingerprint) output from the fingerprint module (U2), and a finger vein authentication code (a customer with a registered low vein) output from the finger vein module (U3) unique number) is converted into 232 communication in the conversion module (U4), received from the integrated module (U1), and when the fingerprint and finger vein authentication codes match each other, the corresponding authentication code is outputted to USB.

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

int getfingerauthorization(int fingerprintcode,int fingerveincode)

{

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

{

return fingerprintcode;

}

return 0;

}

The algorithm receives 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 vein authentication code belong to the same person.

Looking at the details in more detail, it is as follows.

The fingerprint module U2 searches for a fingerprint, and if there is a person who matches the fingerprint, the code number of the person is output.

The finger vein module (U3) searches for a finger vein, and if there is a person matching the corresponding 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 input as fingerprintcode and fingerveincode, which are the arguments of the function name getfingerauthorization of the above algorithm, respectively, so that both argument values are valid and also two registrations Only when the customer's unique number matches, the fingerprint and finger vein integration module outputs that person's code.

Otherwise, 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 procedures for registering, authenticating, and deleting fingerprints and finger veins in the self-storage reader or bank.

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

When there is a registration request from the fingerprint and finger vein recognition device, the fingerprint and finger vein recognition device are first scanned with the finger of the person who wants to register (S312).

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

After the first registration in the fingerprint and finger vein recognizer again, a third scan is performed on the fingerprint and finger vein recognition device with the finger of the person to be registered (S314).

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

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

By performing this process three times, the correct fingerprint and finger vein images are registered.

The next step is to authenticate the registration of fingerprints and finger veins, and an authentication request is made by the fingerprint and finger vein recognizers.

The fingerprint and finger vein recognition device scans the person's fingerprint and finger vein images.

Compare the scanned images of fingerprints and finger veins with a registered person's finger in the fingerprint and finger vein recognizer.

It is determined whether the images scanned by such a fingerprint and finger vein recognizer match.

As described above, if the scanned images from the fingerprint and finger vein recognizers do not all match, it starts again, and if they all match, the authentication is completed.

The next step is to delete the registration of fingerprints and finger veins, and a deletion request is made from the fingerprint and finger vein recognizers.

Enter the code of the party to be deleted into the fingerprint and finger vein recognition machine.

It is determined whether the image of the code to be registered is deleted from the fingerprint and finger vein recognition device.

If the image scanned by the fingerprint and finger vein recognition device is not deleted, it restarts, and if it is deleted, the authentication is completed.

As described above, if operated by a method of registering, authenticating, and deleting fingerprints and finger veins in a self-storage recognizer or bank, the recognition degree of fingerprints and finger veins is further increased, and the operation thereof is simplified.

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

14 is a schematic perspective view of a mouse that is authenticated by fingerprint 1, fingerprint 2, and finger veins applied to the present invention. It is a conceptual drawing.

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

The fingerprint recognizer 1000 at the lower left side of the mouse (M) has a rectangular contact type fingerprint authentication module device unit (1000a) formed within the fingerprint recognition seat frame (1000b), and the finger vein recognizer ( 2000), a fingerprint authentication module 1001a and a finger vein authentication device 2000a are formed in a mouse, and a camera 2000b and a plurality of infrared light sources 2000c are formed inside the mouse M at a predetermined distance. It is to be authenticated by photographing the finger veins that are raised above the finger vein authentication device 2000a.

In addition, an infrared light source (2000d) emitting infrared rays to the finger is formed on the side of the round finger vein recognition seat frame (2000e), and a fingertip rest (2000f) on which a fingertip can be placed on the front end of the central part is formed. has been

The circuit related to the fingerprint and finger vein authentication module applied here will be described later.

Therefore, when authenticating fingerprints and/or finger veins during e-commerce transactions or financial payments, hold the mouse as it is in normal use, recognize the fingerprint of the thumb on the primary fingerprint reader, and recognize it on the secondary fingerprint reader. Finger veins such as the middle finger or the middle finger are raised to authenticate each fingerprint and/or finger vein.

In this way, fingerprints and/or finger veins can be authenticated with a time lag during online e-commerce or financial settlement, so the convergence of two fingerprints and one finger vein can solve the weakness of financial security by biometric authentication. it will be possible

Moreover, this two-step lag authentication method requires biometric authentication for data input even when working with documents on a computer, but with a lag in authentication, the authentication method provides a different biometric means, so that it can be safely protected from the outside. It is to provide a computer hacking blocking device that can protect against computer hacking, and furthermore, to provide a computer hacking blocking device that can safely protect from the outside without separately encrypting computer input data.

Next, the fingerprint and finger vein authentication processing unit 1180 that can be commonly applied to a smart phone and a mouse or an integrated terminal, which is the first embodiment of the sending device, will be described in detail.

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

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

15, the fingerprint and finger vein authentication processing unit 1180 formed in the integrated biometric authentication terminal 1000 has a contact-type fingerprint scanning module 2310 formed on the upper side, and a finger photographing groove 2410 on the lower side. The formed branch vein authentication device unit 2100 is formed, which is an invention that performs fingerprint and vein authentication.

The fingerprint scan module 2310 uses a contact-type recognition module, and a recognition circuit electric part 2320 for controlling it is formed on the rear surface thereof.

The authentication device unit 2100 for obtaining the finger vein information is formed so as to authenticate the finger vein at the lower edge of the main body side of the terminal, the inside of the terminal is the contact fingerprint scanning module 2310 and the finger vein authentication device A considerable authentication device subspace 2500 into which the part 2100 can enter is formed in the form of an upper and lower light, and a side groove border 2200 is formed on the outside, and a contact fingerprint scanning module 2310 is formed on the upper side thereof. , a finger photographing groove 2410 is formed on the lower side to place a finger in a non-contact manner, and it is formed so that it can be recognized at the same time.

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

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

In addition, the finger rest glass plate may be manufactured to be formed in the front portion adjacent to the image sensor 2510a and the infrared ray emitting unit 2520a together with the infrared filtering film.

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

In addition, in the back authentication device space 2500 of the empty finger photographing groove 2410, an image sensor 2510a and an infrared ray emitting unit 2520a are formed side by side, and a recognition circuit electronic unit 2530 for controlling this is formed. When the finger vein pattern is recognized, they are operated to transmit various control signals.

When the empty finger photographing groove 2410 is designed so that there is no risk of damage to the image sensor 2510a and the infrared emitter 2520a, it communicates with the authentication device space 2500 in a non-contact manner depending on the surrounding conditions. may be formed.

In addition, in the case of the image sensor 2510a, the range for recognizing finger veins is different depending on the size, so when the recognition nose is wide, it is possible to recognize a wide range of finger veins by increasing the distance (Ha) from the finger, When the distance is short, only the finger vein pattern of a narrow range is recognized, so it should be devised and designed in consideration of the relationship with the size of the internal electric part of the terminal in consideration of this.

The following describes a technology for matching virtual currency with iris/face authentication information using a digital virtual currency transaction system.

16 is a block diagram illustrating a digital virtual currency transaction process having a block chain between parties using the digital virtual currency transaction system having a block chain between parties of the present invention, and FIG. 17 is a diagram between parties of the present invention It is a flowchart showing that a transaction process of a digital virtual currency having a block chain is performed between parties using a digital virtual currency transaction system having a block chain, and FIG. 18 is a digital virtual currency transaction with a block chain between the parties of the present invention. A flow chart (a) of the first half showing the transaction process of digital virtual currency having a block chain between parties subject to insurance when using the system, and FIG. 19 is a digital virtual currency having a block chain between the parties of the present invention. It is a flowchart (b) of the second half of the first half showing the transaction process of digital virtual currency having a block chain between parties subject to insurance when using the transaction system.

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

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

Of course, in order to transmit a large amount, it is desirable to create and operate a program of a lump-sum payment method.

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

In the code display, the code having the same technical content as that of the prior art is used the same.

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

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

If the above conditions are not satisfied, the transaction is terminated, and thereafter, the donor selects the amount display field 511 on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 and the instant messenger When the send menu 514 is clicked while the input form is entered in the field 512 and text input field 513 according to the input form, the donor-side block chain-based digital virtual currency transaction app 310 is a block chain-based digital virtual currency The transaction request signal for the donor is generated by collecting the amount information of the digital virtual currency input through the transaction screen 510, the identification information of the selected IM (instant messenger, hereinafter the same), and the personal information of the stored and managed donor, and it is based on the block chain. It is transmitted to the digital virtual currency transaction guide server 200 (S130).

Then, when the block chain-based digital virtual currency transaction guide server 200 transmits the donor transaction request signal from the donor terminal 300, the donor's personal information included in the donor transaction request signal is transferred to the member list information DB 211. By matching with and confirming that you are a member, a URL (A) for beneficiary recognition that guides you to recognize a beneficiary who is gifted with digital virtual currency having a block chain is generated and transmitted to the donor terminal 300 (S140).

After that, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 transmits the donor recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, select IM identification In a state where the donor-side instant messenger corresponding to the information is controlled to be automatically executed, the donor-side instant messenger URL display guidance screen (see FIG. 3b ) in which the donor-side instant messenger URL (A) is inserted and displayed in the automatically executed donor-side instant messenger A control is performed so that it is output through the information output unit 301 (S150).

Thereafter, in the donor-side instant messenger of the donor terminal 300, the donor-side instant messenger designates the donor account of the instant messenger that the donor requests for delivery of the beneficiary URL (A) through the donor designation guide screen for the donor-side instant messenger (refer to FIG. 3c ). Then, the URL (A) for recognition of the beneficiary is transmitted to the recipient terminal 400 corresponding to the beneficiary account (S160).

Thereafter, the recipient-side instant messenger of the recipient terminal 400 outputs a URL display guide screen for the recipient-side instant messenger in which the transmitted recipient-recognition URL (A) is inserted and displayed (see FIG. 3D ) through the information output unit 401 ( S170) to be controlled.

After that, when the recipient recognition URL (A) displayed on the recipient side instant messenger of the recipient terminal 400 is clicked, the recipient side block chain-based digital virtual currency transaction app 410 is automatically executed (S180) in conjunction with this. .

The beneficiary side block chain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a personal details signal for beneficiary authentication including the personal information of the beneficiary who receives a digital virtual currency gift with a block chain, This is controlled to be transmitted (S190) to the digital virtual currency transaction guide server 200.

After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is stored in the member list information DB. (211), after confirming that the donor is a member, deduct the amount to be donated to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information in the electronic wallet list information DB 212, and the deduction After accumulating the amount of digital virtual currency amount information stored in the beneficiary's electronic wallet information, the transaction information for digital virtual currency transaction with a block chain is generated based on this amount, and this information is sent to the designated block chain holding servers ( 100 ). Transmit (S200).

At this time, the block chain-based digital virtual currency transaction guide server 200 matches the electronic cryptographic source of the virtual currency (including the "file name" in which the virtual currency is formed or the "node" of the virtual currency) and the electronic algorithm source of the iris or face It is determined whether there is a request to convert the donor of the virtual currency into a beneficiary by the authentication signal of the iris or face, and the donor-recipient's iris or face authentication information conversion step (S210b) for converting this information is performed.

After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital By authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a block chain according to the authentication (S210), the transaction is authenticated.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 transmits a message to the donor terminal 300 stating that the digital virtual currency having the block chain has been paid to the donor.

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

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

Another Bitcoin (same concept as virtual currency) transaction method, Bitcoin (Virtual Currency) is a blockchain structure that collects and encrypts transmission records made in the network. In the transaction method of Bitcoin (same concept as virtual currency), it executes the program mounted on the computer constituting the Bitcoin (same concept as virtual currency) network to authenticate the transaction of Bitcoin (same concept as virtual currency) obtaining by mining the same concept as virtual currency); It is a program executed by a computer, and when trading bitcoins (same concept as virtual currency) obtained by mining and purchasing for the transaction of bitcoin (same concept as virtual currency), execute the program installed in the computer to trade. generating an exchange web wallet address of a member on a cryptocurrency exchange server by executing a program loaded on a member server or a member computer equipped with a program provided by the server; Bitcoin (same concept as virtual currency) traded by executing a program mounted on member server or member computer (same concept as virtual currency) Transaction of Bitcoin (same concept as virtual currency) through a cryptocurrency exchange server equipped with a database (DB) that stores transaction details generating an address of an exchange general wallet for a cryptocurrency exchange server; and generating an exchange address of a member stored in a cryptocurrency exchange server in order to trade bitcoin (same concept as virtual currency) by executing a program mounted on the member server or member computer.

At this time, before sending Bitcoin (same concept as virtual currency), biometric authentication of the donor side is requested by iris or/and face authentication means for identity authentication, in this case, determining whether iris or/and face authentication has been performed ;

At this time, whether the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the iris or / and the face is matched with the iris or / and face authentication means determining whether the virtual currency matches the iris or face authentication information; Created on the cryptocurrency exchange server from the member's exchange web wallet address created on the cryptocurrency exchange server in order to quickly process bitcoin (same concept as virtual currency) transactions by running the program mounted on the member server or member computer transmitting bitcoin (same concept as virtual currency) to an exchange general wallet address; While the program installed on the cryptocurrency exchange server is running, the transfer of Bitcoin (same concept as virtual currency) from the member's own exchange web wallet address created on the cryptocurrency exchange server to the exchange general wallet address created on the exchange server step of verifying.

At this time, when it is confirmed that the transfer of Bitcoin (same concept as virtual currency) has been made, the program loaded on the cryptocurrency exchange server is executed and the exchange address of the stored member is not real Bitcoin (same concept as virtual currency) depositing and processing Bitcoin (same concept as virtual currency) by changing the numerical value on the database mounted on the cryptocurrency exchange server; And when the transaction of Bitcoin (same concept as virtual currency) is completed due to a change in the number on the database mounted on the cryptocurrency exchange server, the Bitcoin (virtual currency) comprising the step of offsetting the pre-deposited portion without depositing it in the member's database Same concept as money) It is about transaction method.

At this time, if necessary, the donor of the virtual currency matched with the electronic algorithm source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of the iris or face is selected. It is possible to determine whether there is a request for conversion into a beneficiary according to the authentication signal, and perform the donor-recipient's iris or face authentication information conversion step of converting the information.

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

In the code display, the code having the same technical content as that of the prior art is used the same.

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

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

After the iris or face authentication information matching step (S130a), the block chain-based digital virtual currency transaction guide server 200 determines whether the donor subscribes to compensation insurance that compensates for damages in the event of a transaction defect (S130a) S130c).

At this time, if the above compensation insurance is not insured, the insurance subscription procedure implementation step to clarify the 'insurance subscription procedure' according to the insurance policy (in the case of premium, the calculation standard is determined by the transaction volume or amount of virtual currency) (S130d) is performed.

If the above conditions are not satisfied, the transaction is restarted, and thereafter, the donor terminal 300 displays the amount displayed on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 ( 511), the instant messenger selection box 512, and the text input field 513, when the transmission menu 514 is clicked while the input form is entered according to the input form, the donor-side blockchain-based digital virtual currency transaction app 310 is The amount information of the digital virtual currency input through the block chain-based digital virtual currency transaction screen 510, the selected IM identification information, and the stored and managed donor's personal information are collected to generate a transaction request signal for the donor, which is then converted into a blockchain-based digital It is transmitted to the virtual currency transaction guide server 200 (S130).

Then, when the block chain-based digital virtual currency transaction guide server 200 transmits the donor transaction request signal from the donor terminal 300, the donor's personal information included in the donor transaction request signal is transferred to the member list information DB 211. By matching with and confirming that you are a member, a URL (A) for beneficiary recognition that guides you to recognize a beneficiary who is gifted with digital virtual currency having a block chain is generated and transmitted to the donor terminal 300 (S140).

After that, the donor-side blockchain-based digital virtual currency transaction app 310 of the donor terminal 300 transmits the donor recognition URL (A) from the blockchain-based digital virtual currency transaction guide server 200, select IM identification In a state where the donor-side instant messenger corresponding to the information is controlled to be automatically executed, the donor-side instant messenger URL display guidance screen (see FIG. 3b ) in which the donor-side instant messenger URL (A) is inserted and displayed in the automatically executed donor-side instant messenger A control is performed so that it is output through the information output unit 301 (S150).

Thereafter, in the donor-side instant messenger of the donor terminal 300, the donor-side instant messenger designates the donor account of the instant messenger that the donor requests for delivery of the beneficiary URL (A) through the donor designation guide screen for the donor-side instant messenger (refer to FIG. 3c ). Then, the URL (A) for recognition of the beneficiary is transmitted to the recipient terminal 400 corresponding to the beneficiary account (S160).

Thereafter, the recipient-side instant messenger of the recipient terminal 400 outputs a URL display guide screen for the recipient-side instant messenger in which the transmitted recipient-recognition URL (A) is inserted and displayed (see FIG. 3D ) through the information output unit 401 ( S170) to be controlled.

After that, when the recipient recognition URL (A) displayed on the recipient side instant messenger of the recipient terminal 400 is clicked, the recipient side block chain-based digital virtual currency transaction app 410 is automatically executed (S180) in conjunction with this. .

The beneficiary side block chain-based digital virtual currency transaction app 410 of the automatically executed beneficiary terminal 400 generates a personal details signal for beneficiary authentication including the personal information of the beneficiary who receives a digital virtual currency gift with a block chain, This is controlled to be transmitted (S190) to the digital virtual currency transaction guide server 200.

At this time, past the personal details signal transmission step (S190) for the beneficiary authentication. The block chain-based digital virtual currency transaction guide server 200 determines whether to subscribe to compensation insurance, which determines whether the beneficiary has subscribed to compensation insurance that compensates for damages in case of transaction defects (S190a).

At this time, if the above compensation insurance is not insured, the insurance subscription procedure implementation step to clarify the 'insurance subscription procedure' according to the insurance policy (in the case of premium, the calculation standard is determined by the transaction volume or amount of virtual currency) (S190b) is performed.

If the above conditions are not satisfied, the transaction is restarted, and thereafter, the block chain-based digital virtual currency transaction guide server 200 sends the virtual currency transaction volume and transaction to the donor terminal 300 and the donor terminal 400 . A premium calculation and expression step (S190c) of displaying the premium based on the amount on the screen is performed.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 provides the donor terminal 300 and the donor terminal 400 with a premium based on the transaction volume and transaction amount of the virtual currency (hereinafter referred to as 'virtual currency insurance premium'). ), the premium payment determination step (S190d) is performed to determine whether the donor or the beneficiary will pay the premium (the payment method (payer) of these virtual currency premiums is determined by the 'insurance policy').

After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is stored in the member list information DB. (211), after confirming that the donor is a member, deduct the amount to be donated to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information in the electronic wallet list information DB 212, and the deduction After accumulating the amount of digital virtual currency amount information stored in the beneficiary's electronic wallet information, the transaction information for digital virtual currency transaction with a block chain is generated based on this amount, and this information is sent to the designated block chain holding servers ( 100 ). Transmit (S200).

At this time, the block chain-based digital virtual currency transaction guide server 200 includes the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of fingerprints or finger veins and It is determined whether there is a request to convert the donor of the matched virtual currency into a beneficiary according to the authentication signal of the iris or face, and the donor-recipient's iris or face authentication information conversion step (S210a) for converting this information is performed.

After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital By authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a block chain according to the authentication (S210), the transaction is authenticated.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 transmits a message to the donor terminal 300 stating that the digital virtual currency having the block chain has been paid to the donor.

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

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

The following describes an algorithm for recognizing a fingerprint applied to the conversion device of the present invention.

20 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and digital processing circuit of the first invention are applied, and FIG. 21 is a block showing the configuration of a single chip fingerprint recognition device according to the second invention. , FIG. 22 is a block diagram showing a single-chip implementation example of a fingerprint recognition device according to the second invention, and FIG. 23 is an exemplary diagram comparing fingerprint recognition using specific points 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. The sensing data for the fingerprint image may be acquired in an optical, semiconductor, ultrasonic, or non-contact method.

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

The semiconductor-type fingerprint recognition sensor may include a thermal sensor, a capacitive sensor, or an electric sensor. The semiconductor-type fingerprint sensor can be miniaturized, so it 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 acquiring a difference in 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 in contact with the sensor or an electric field formed around the fingerprint.

On the other hand, the fingerprint sensor may be configured to include at least a part of the processor. For example, the fingerprint recognition sensor may include an operation of correcting the fingerprint image or calculating the characteristics of the fingerprint image in addition to the operation of acquiring the 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 precise directions and a number of other characteristic regions. In the characteristic region, the point at which the ridge progresses and breaks is referred to as an ending point, and the point at which the ridge splits is referred to as a bifurcation. In general, about 100 to 150 feature points are distributed on one finger, and the type, position, and direction are different for each person. Accordingly, the location 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 function. valley) by converting the difference in capacitance according to the height difference into voltage to detect a fingerprint image and output it as an electrical signal, and an analog processing circuit 210 for outputting it as an electrical signal, and from the signal output from the analog processing circuit 210 to the fingerprint image After extracting the features, the digital processing circuit 220 compares the extracted features with pre-stored fingerprint data to determine or recognize the user of the detected fingerprint.

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

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

However, in the conventional fingerprint recognition device of the first invention, since the analog processing circuit 210 and the digital processing circuit 222 are implemented on different chips, the size of the device is large, the price is high, and the above-mentioned large In order to solve the problem that it is difficult to utilize in various fields due to the volume and high price, the second invention of the related art implements the sensor side for detecting a fingerprint and a digital processing circuit for recognizing the fingerprint on a single chip, thereby reducing the volume and unit cost of the product and making it portable. In addition, a fingerprint recognition device implemented as a single chip that can be applied in various fields has been developed.

21 is a block diagram of a fingerprint recognition device according to the second invention in the prior art. In the fingerprint recognition device 300 of the present invention implemented as a single chip, the capacitance difference between the ridges and grooves of the fingerprint in contact with the bottom surface of the user's finger is obtained. The sensors 310 to detect and the algorithm stored in the flash memory 340 are executed, the electric signal output from the sensor 310 is received and image processed to extract the features of the fingerprint image, and the extracted features are flashed. A microprocessor 320 that compares the reference fingerprint image registered in the memory 340 to determine whether it matches, and a cache memory 330 directly connected to the microprocessor 320 and storing frequently used instructions; A flash memory 340 in which a program, a fingerprint recognition algorithm, and fingerprint data are stored, and a bus 350 interconnecting the sensor 310, the microprocessor 320, and the flash memory 340 and providing a data path between each means ) and a bus interface 360 that controls data exchange between the sensor 310, the microprocessor 320, and the flash memory 340 through the bus 350.

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

22 is a view showing an implementation example of the fingerprint recognition 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. 440 and the bus interface 450 are implemented as an integrated first chip 400 .

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

And, the sensor array 410 is made by arranging the sensor plate that outputs the capacitance generated between the contacted skin, that is, the skin of the contacted finger region as a digital electrical signal, in an m × n matrix, the first chip It is integrated on the 400 and is connected to other circuits, that is, the MCU 420 or the flash memory 440 by a bus.

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

23 is a technique for comparing and judging fingerprints by using feature points disclosed in Korean Patent Application Laid-Open No. 10-2015-0034832.

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

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

In addition, the feature information 822 of the fingerprint image 823 corresponding to one region 821 of the fingerprint image of 810 of FIG. 23 is the feature information of the fingerprint image corresponding to the second region 852 of 850 of FIG. can be mapped.

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

In addition, the feature information 842 of the fingerprint image 843 corresponding to one region 841 of the fingerprint image of 810 of FIG. 23 is characteristic information of the fingerprint image corresponding to the fourth region 854 of 850 of FIG. can be mapped. At this time, when there is an overlapping area between the first area 851 , the fourth area 854 , the characteristic information of the fingerprint image corresponding to the overlapping area is the characteristic of the first area 851 to the fourth area 854 . Among the information, higher quality, more information, or recently acquired feature information may be mapped preferentially.

The fingerprint image mapping unit maps characteristic information for each area of a fingerprint image, and adjusts overlapping areas to obtain characteristic information of a fingerprint image from a part of a finger 855 as a target.

Accordingly, in the present invention, through the step of replying a predetermined authentication number from the callee's exchange of the personal financial relay transaction server, when the fingerprint is contacted, the ridges and grooves of the fingerprint are separated and output as a digital electrical signal. Transmitting, by a conversion device, the arrangement of the DTMF signals to a receiving device according to a conversion logic based on a predetermined authentication number returned by the fingerprint information; According to the conversion logic based on the DTMF signal is connected in the order of which the receiving device restores the converted DTMF signal to the arrangement of the DTMF signal transmitted by the user, the overlapping technical description will be omitted.

The following describes the algorithm of finger veins applied to the converter of the present invention.

24 is a flowchart illustrating an operation process of the biometric security device according to an embodiment of the present invention, and FIG. 25 is a diagram illustrating the setting of a reference point of an effective site during capillary imaging, FIG. 26 is a diagram illustrating the image segmentation and binarization process of the preprocessor.

In Korean Patent Laid-Open Patent Publication No. 2003-0010977, when a finger is inserted, the light generating means 15 of the image acquisition means 10 emits infrared, laser, or halogen beams to the finger, and the solid-state image pickup device 11 is used for approximately the size of the finger. The image between the last node and the nail boundary is continuously taken a plurality of times (S10). In the above, various methods can be applied by recognizing whether a finger is inserted, using a light sensor using a light emitting diode and a light receiving diode, configuring the finger fixture 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 or not.

As described above, in order to normalize the image of the photographed finger as a specific part of the finger is photographed, the preprocessor 20 must set a reference point. These unnecessary images are removed.

That is, as shown in Fig. 25, hold the center of the nail as the central point, draw a straight line downward while maintaining the same angle and spacing as both boundary lines from the central point, and draw a horizontal line so that it is perpendicular to the boundary line on both sides at the nail boundary, both sides meeting the horizontal line The part of the boundary line becomes the reference point (A, B) for normalization. Therefore, the rectangular part formed between the reference point and the knuckle of the finger becomes an effective part of normalization, and the image of the effective part is rotated and enlarged to normalize (S11).

Next, in the preprocessor, an effective capillary image is obtained through a smoothing process that removes noise corresponding to the epidermal image or scattered light in the effective site, and the capillary image is binarized into digital data, and then the capillary image is thinned. (S12 to S14).

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

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

On the other hand, in the image processing process using the feature points, the binarized and thinned capillary images are analyzed through the preprocessor to extract feature points such as branching points, cut points, branches, transformation points, convex folds, and concave folds (S17), and the Position coordinates for the blood vessels adjacent to the feature point, thickness, brightness, and feature values for pulsation information are measured and output to the recognition controller (S18). When measuring the brightness of the blood vessel, since the blood flow flowing through the blood vessel constantly changes with time, an average brightness value is obtained by analyzing a plurality of consecutive blood vessel images. can be easily inferred.

Next, the recognition control unit first detects a plurality of comparison data within the allowable error range by directly matching and comparing various capillary pattern data recorded in the database using the binarized data related to the blood vessel pattern obtained through the feature extraction unit (S19). ), and then compares the extracted feature points and their feature values with the feature points and feature values of a plurality of comparison data firstly detected to determine and recognize whether they are identical (S20, S21).

The blood vessel pattern information formed by binary data determined according to the presence or absence of the blood vessel image pattern of each pixel and the 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 by dividing the image screen into a matrix block through the step of replying a predetermined authentication number from the callee side exchange of the personal financial relay transaction server. According to a conversion logic based on a predetermined authentication number returned to the finger vein information by binary data output as a digital electrical signal for each block according to the presence or absence of a blood vessel image, a conversion device converts the arrangement of the DTMF signal to a receiving device sending to; According to the conversion logic based on the authentication number used for converting the converted DTMF signal to the DTMF signal, the receiving device restores the converted DTMF signal to an array of DTMF signals sent by the user. , overlapping technical descriptions are omitted.

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

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

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

27 is a block diagram showing an iris recognition apparatus using a short-distance iris photographing camera according to an embodiment of the conventional iris invention applied to the present invention, and FIG. 28 is a conventional iris recognition apparatus applied to the present invention according to an embodiment of the present invention It is a flowchart for explaining an iris recognition method using a short-distance iris photographing camera, and FIG. 29 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 drawing for explaining.

As shown in FIG. 27 , the iris recognition apparatus using a short-distance iris photographing camera 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 short-distance iris photographing camera.

As shown in Korean Patent Application Laid-Open No. 10-214-0133762, the iris photographing camera 1 installs a prism 200 having an inclined surface and a concave-convex portion formed on the guide upper portion of the illumination IR LED 20 to improve the brightness uniformity around the iris. By improving the iris recognition, it is possible to block static electricity from being transmitted to the internal device through the illumination IR LED 20, so that it can be formed in a compact 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 during registration.

The output unit 5 outputs the result of iris recognition by the control unit 3 so that a peripheral device (not shown) can provide various services according to the iris recognition result. The control unit 3 operates the iris photographing camera 1 according to the selection of the key input unit 2 to photograph the iris according to the brightness of the light. The iris data is generated by normalizing it to binary data, and the iris data for the iris image is stored and registered, or iris data and iris recognition are performed on the iris image stored in the storage unit 4 .

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

In addition, the display lamp 300 is turned on so that the user can recognize that the iris is being recognized by the control unit 3 operating the iris imaging camera 1 . In this case, the display lamp 300 may subdivide and display the progress through various colors.

As shown in FIG. 28 , in the iris recognition method using a short-distance iris photographing camera of a smartphone according to an embodiment of the present invention, when the control unit 3 selects iris recognition in the key input unit 2 (S10), the iris photographing camera Operate (1) to photograph the iris according to the brightness of the light (S22).

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

In the prior art, an iris image is acquired while maintaining characteristics that change according to individual characteristics by photographing the 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 the iris is photographed according to the brightness of the light (S24).

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

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

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

The iris data generated in this way is compared with iris data for a plurality of iris images obtained by photographing the iris according to the brightness of the light stored in the storage 4 to compare whether 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 recognition result of the iris (S32).

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

Even if the iris of a person is the same, the size of the pupil changes according to the brightness of the light and the pattern of the iris also changes. In the prior art, an iris image is acquired while maintaining characteristics that change according to individual characteristics by photographing the 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 the iris is photographed according to the brightness of the light (S14). At this time, if there is no change in the size of the pupil, it cannot be determined as a living person, so the subsequent process is omitted and the process is terminated.

When a live human eye is photographed, a plurality 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 for the plurality of acquired iris images, iris data for the plurality of iris images are generated by normalizing each pixel of the photographed iris image to binary data (S18). That is, the amount of data can be reduced by normalizing the iris data to binary data indicating the presence or absence of a pattern regardless of the depth of the iris pattern.

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

Registration is performed by storing the iris data for the generated plurality of iris images in the storage unit 4 (S20). As described above, according to the iris recognition method using the short-distance iris photographing camera of the smartphone according to the present invention, the amount of data is obtained by processing the iris image captured by the smartphone's short-range iris photographing camera as binary data according to the iris pattern of each pixel. In addition to improving the recognition speed by reducing The recognition rate can be increased regardless of the depth of the pattern.

Accordingly, in the present invention, the method includes the steps of: replying 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 converts the iris information by 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 returned to the conversion device. converting an arrangement of DTMF signals and transmitting them to a receiving device; According to the conversion logic based on the authentication number used for converting the converted DTMF signal to the DTMF signal, the receiving device restores the converted DTMF signal to an array of DTMF signals sent by the user. , overlapping technical descriptions are omitted.

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

30 is an explanatory view of the muscle structure of the eye of the conventional invention applied to the present invention, and FIG. 31 is a simplified configuration diagram of a face image of the conventional invention applied to the present invention, showing each position and distance measurement method It is also

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

The eye and peripheral muscle information detection step applied to the prior invention is the muscle structure of the eye, the frontal muscle, the corrugator muscle, the levator, the periorbital muscle, and the descending eyebrow muscle. A pre-processing method to detect the distance between the nose, the distance between the eyes and the mouth, and the angle between the nose and the mouth around the eyes) and create it as basic information to be used as registration or comparison data, and to preserve the detailed features in the face image will be implemented

After that, the conventional invention undergoes pre-processing and feature extraction steps of normalizing the face image according to the eye position and surrounding details, removing and statistically correcting external illuminance components from the normalized face image, 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 luminance, posture, and expression, and luminance correction uses local localization normalization and local histogram smoothing.

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

The facial recognition method of mathematical pattern analysis based on the upper musculoskeletal structure includes a face image input step in which an image input by a camera (USB includes a CCD) or a video file or image file image is input, and whether there is a face in the input image. The face detection step of determining the position of the face, detecting the face from the detected object (object), determining the basic outline, and automatically finding the position of the face, and automatically finding the position of the eyes in the detected face area In the face image normalization and removal and statistical correction of external illuminance components from the normalized face image, and in the face image normalization by eye position and peripheral details, and in the preprocessed face image, It consists of a preprocessing for extracting features and a feature extraction step.

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

Therefore, in the present invention, through the step of replying 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, the arrangement of the DTMF signal to a receiving device according to a conversion logic based on a predetermined authentication number returned to the face information by binary data divided into pixels and output as a digital electrical signal; According to the conversion logic based on the authentication number used for converting the converted DTMF signal to the DTMF signal, the receiving device restores the converted DTMF signal to an array of DTMF signals sent by the user. , overlapping technical descriptions are omitted.

The following describes a finger vein pattern input device according to an embodiment of the prior art applied to the present invention.

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

The configuration of the finger vein pattern input device 100 will be described using FIGS. 32 and 33 with respect to the technology shown in Korean Patent Application Laid-Open No. 10-2008-0022202.

The main body 10 is integrated with a built-in support 11 . Further, inside the main body 10, a control module unit (control module unit) 1 and an imaging unit (imaging unit) 2 mounted on a camera substrate 9 and having a built-in CPU for performing image processing are provided. . As is well known, the control module unit 1 compares the finger vein pattern extraction means for extracting the finger vein pattern from the image acquired by the imaging unit 2 and the finger vein pattern registered in advance with the extracted finger vein pattern, That is, it has image arithmetic means for collating.

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

Illumination windows 16 (16A, 16B) are provided in the brace 11 in a form opposite to the celestial spheres 15 (15A, 15B) and the near-infrared light emitting LED 13 installed in the brace 11. . The near-infrared light-emitting LED 13 is arranged in the space 12 , and light is not leaked other than the irradiation window 16 . An optical axis refraction unit 5 composed of a camera module 4 having a camera lens 3 and a CCD and a mirror is provided in the center of the body 10 . The optical axis refracting section 5 has a mirror inclined, so that the overall thickness of the device is reduced to increase the optical path length for imaging, thereby reducing image distortion. An imaging opening 6 is largely formed in the central portion of the pedestal 11 , and an imaging window 7 is provided in the imaging opening 6 . As for the imaging window 7, a smoke-like material whose central part is not visible is used. This material transmits infrared light. The imaging opening 6 has a shape with a depth in which the round R is applied outward, so that the finger does not come into contact with the imaging window 7 during imaging. By performing the round R like this, it is possible to prevent the vein from being crushed by compressing it, and it is also possible to improve the visibility of the vein located in the vicinity of the imaging opening. The imaging window 7 is provided perpendicularly to the groove 8 as shown in the figure provided in the imaging opening 6 .

The light projected through the camera lens 3 is bent by the mirror of the optical axis refracting unit 5 and is irradiated outward through the imaging window 7 and the opening 6 as indicated by arrows.

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 counterfeiting, false acceptance rate, false rejection rate, failure to enroll rate, and authentication time, compared to the above biometric technology. Mac authentication technology is known.

The following will additionally describe a technology for matching virtual currency with fingerprint/finger vein authentication information using a digital virtual currency transaction system.

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

The main controller (CPU) 340 shown in the block diagram for matching the virtual currency with the biometric authentication information using the digital virtual currency transaction system having the block chain between the parties of the present invention in FIG. 34 is encrypted as described above. A donor terminal 300 including a virtual currency 315, an encrypted fingerprint / finger vein algorithm 415 as described above, a fingerprint / finger vein recognizer, and a donor terminal including a fingerprint / finger vein recognizer ( 400), and the electronic cryptographic source of the encrypted virtual currency 315 (including the "file name" or virtual currency "node" in which the virtual currency is formed) and the fingerprint / finger vein algorithm 415 of the electronic It consists of a conversion device 500 that matches the algorithm source, and a donor-recipient fingerprint / finger vein conversion device 600 that converts the donor's virtual currency into the donor's virtual currency.

The following will additionally describe a technology for matching virtual currency with iris/face authentication information using a digital virtual currency transaction system.

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

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

As such, the present invention uses a digital virtual currency transaction system having a block chain between the parties to match the virtual currency with biometric authentication information. The main controller (CPU) 340 includes the encrypted virtual currency 315 and the encrypted It consists of a fingerprint / finger vein algorithm 415, a donor terminal 300 including a fingerprint / finger vein recognizer, and a donor terminal 400 including a fingerprint / finger vein recognizer, and encrypted virtual currency ( A conversion device 500 that matches the electronic algorithm source 416 of the algorithm 415 of the fingerprint / finger vein with the electronic cryptographic source of 315, and the donor-recipient fingerprint / The electronic cryptographic source 316 provided in the first file 315a, which is a basic unit of virtual currency linked to the general matching program 340a, is converted in the general matching program 340a, which is made of the finger vein conversion device 600. The electronic algorithm source 416 provided by the fingerprint / finger vein algorithm 415 is converted in the general matching program 340a, and these are the electronic cryptographic source of the virtual currency and the fingerprint / finger vein by the matching program 344. The electronic algorithm source 416 of the fingerprint or finger vein is fused by the electronic algorithm source to become the basic unit of virtual currency transmission and at the same time, the electronic algorithm source 416 is a block chain-based digital virtual currency transaction guide server 200. The digital virtual currency transmitted by interlocking the digital virtual currency with the biometric authentication signal, characterized in that the donor-recipient fingerprint / finger vein conversion device 600 can be converted into an electronic algorithm source of the donor's fingerprint or finger vein The method of publication is also included.

The following will additionally describe the technology for matching virtual currency with fingerprint/finger vein/iris/face authentication information using the digital virtual currency transaction system.

Figure 36 is a block diagram of a method of transacting digital virtual currency by the two-way escrow service of the present invention, fingerprint / finger vein authentication of virtual currency using the digital virtual currency transaction system having a block chain between parties of the present invention It is a block diagram of matching information.

The main controller (CPU) 340 shown in the block diagram for matching virtual currency with biometric authentication information using a digital virtual currency transaction system having a block chain between parties of the present invention in FIG. 36 is encrypted as described above. A donor (company) terminal 300c including a virtual currency 315, an encrypted fingerprint / finger vein / iris / face algorithm 415c, and a fingerprint / finger vein / iris / face recognizer as described above; It consists of a recipient (buyer) terminal 400c including a fingerprint / finger vein / iris / face recognizer, and the electronic encryption source of the encrypted virtual currency 315 (the "file name" in which the virtual currency is formed or the " node") and a conversion device 500 that matches the electronic algorithm source of the algorithm 415c of fingerprint / finger vein / iris / face, and the virtual currency of the donor (company) to the virtual currency of the donor (buyer) The converting donor (company)-recipient (buyer) consists of a fingerprint / finger vein / iris / face conversion device (600c).

And, in the digital virtual currency information database 710, the e-commerce information, that is, the personal information of the donor (company) and the recipient (buyer), the purchase request date of the virtual currency, the deposit or refund date of the virtual currency transaction price , at least one of information of the first account (buyer side) and the second account (donor side, head office) of the virtual currency.

In addition, the identifiers for each of the buyer and the donor include contact information for each of the buyer and the donor, and a login ID for accessing the escrow module 730, and the identifier can be arbitrarily designated among the contact information and the login ID to be distinguished. and it is implemented to enable transfer or refund between the first account and the second account by using the identifier.

The account management module 720 of the virtual currency transaction extracts the first account of the buyer and the second account of the donor (company) by using the virtual currency information, and maps it so that mutual transfer or refund is possible.

Hereinafter, the transaction between the buyer and the donor (company) will be described in the form of a 1:1 transaction transferred through each account. It is of course possible to conduct virtual currency transactions through real accounts between each trader by implementing it in the form of :N transaction.

When it is confirmed that both the buyer terminal and the donor (company) terminal have released the escrow, the escrow module 730 transmits the corresponding details to the control module 740, and the control module 740 provides information based on the transmitted details. 2 Complete the transfer of the transaction amount conditionally transferred to the account to establish an e-commerce transaction.

In addition, the escrow module 730 transmits the details to the control module 740 when either one of the buyer terminal and the donor (company) terminal does not release the escrow, or when a direct refund request by the buyer terminal is received. And, the control module 740 refunds the transaction amount conditionally transferred to the second account to the first account based on the transmitted details to make the virtual currency transaction impossible. Here, since the above step is a refund procedure, it is preferable to proceed after confirming various information so as not to cause a disadvantage to the donor before executing the refund.

The control module 740 is a module that processes the establishment or non-establishment of the final virtual currency transaction according to the escrow setting or cancellation of the escrow module. When the escrow setting of the buyer terminal is confirmed, the transaction is from the first account to the second account The payment is conditionally transferred, and when the escrow release is confirmed by the buyer terminal and the donor (company) terminal, the transaction price conditionally transferred to the second account is transferred to establish a virtual currency transaction, and the buyer terminal and the donor (company) ) If the release of escrow is not confirmed in one or more of the terminals, the transaction amount conditionally transferred to the second account is refunded to the first account, and the virtual currency transaction is not established.

The message transmission module 750 notifies the donor (company) of the transaction price through and requests the donor (company) to transmit the corresponding virtual currency. After that, when the donor (company) delivers the item to the buyer, it proceeds to the escrow release and confirmation step at the rear.

Here, each or condition and and condition may be applied to the expression of fingerprint/finger vein/iris/face.

The following describes the transaction process of digital virtual currency.

37 is a flowchart (a) of the first half showing the transaction process of digital virtual currency having a block chain between parties subject to a two-way escrow service when using the digital virtual currency transaction system having a block chain between parties of the present invention am.

38 is a flowchart (b) of the second half showing the transaction process of digital virtual currency having a block chain between parties subject to a two-way escrow service when using the digital virtual currency transaction system having a block chain between the parties of the present invention (b) am.

In FIGS. 37 and 38, since the same procedure as that shown in the conventional transmission method is used as it is, it will be described as an essential element of the present invention.

In the code display, the code having the same technical content as that of the prior art is used the same.

First, the donor (company) terminal 300 executes (S110) the donor (company) side block chain-based digital virtual currency transaction app 310 mounted according to the selection of the donor (company), the executed donor ( The company) side block chain-based digital virtual currency transaction app 310 outputs and displays the stored and managed block chain-based digital virtual currency transaction screen 510 through the information output unit 301 of the donor (company) terminal 300 (S120) to be controlled.

At this time, in order to prevent the exposure of all information, the electronic cryptographic source of the virtual currency (including the "file name" or the "node" of the virtual currency in which the virtual currency is formed) and the electronic algorithm source of fingerprint / finger vein / iris / face are matched It is requested by fingerprint or / and finger vein, iris or / and face authentication means, where it is determined whether virtual currency and fingerprint or / and finger vein, iris or / and face authentication information are matched (S120a) )do.

After the fingerprint/finger vein/iris/face authentication information matching step (S120a), the block chain-based digital virtual currency transaction guide server 200 receives digital virtual currency transaction information to be concluded (purchased). It consists of an information receiving step (S120b).

The fingerprint/finger vein/iris/face authentication information matching step (S120a) may be omitted depending on the type of invention and implementation conditions.

That is, after the information output unit display step (S120), the block chain-based digital virtual currency transaction guide server 200 receives the digital virtual currency transaction information to be concluded (purchased) in the digital virtual currency transaction information receiving step (S120b) ) is made of

After the digital virtual currency transaction information receiving step (S120b), the block chain-based digital virtual currency transaction guide server 200 allows the virtual currency transaction price to be transferred from the beneficiary (buyer) to the donor (company) or the transaction price is It consists of a buyer/donor (company) account mapping step (S120c) of mapping the first account linked with the beneficiary (buyer) terminal and the second account linked with the donor (company) terminal so as to be refunded to the buyer.

After the buyer / donor (company) account mapping step (S120c), the donor (company) terminal 300 displays the amount on the block chain-based digital virtual currency transaction screen 510 displayed through the information output unit 301 ( 511), the instant messenger selection box (512) and the text input field (513), when you click the send menu (514) while entering the input form in accordance with the input form, the donor (company) side blockchain-based digital virtual currency transaction app ( 310) collects the amount information of the digital virtual currency input through the block chain-based digital virtual currency transaction screen 510, the selected IM identification information, and the personal information of the donor (company) that is stored and managed to request a transaction for the donor (company) It generates a signal and transmits it to the blockchain-based digital virtual currency transaction guide server 200 (S130).

Thereafter, the block chain-based digital virtual currency transaction guide server 200 transmits a transaction request signal for a donor (company) from the donor (company) terminal 300, the donor (company) included in the transaction request signal for the donor (company). ) by matching the personal information of the member list information DB 211 with the member list information DB 211, confirming that the member is a member, and then guiding the recipient (buyer) to recognize the beneficiary (buyer) who receives a digital virtual currency with a blockchain as a gift URL (A) ) and transmits it to the donor (company) terminal 300 (S140).

After that, the donor (company) side blockchain-based digital virtual currency transaction app 310 of the donor (company) terminal 300 receives the recipient (buyer) URL ( When A) is transmitted, the donor (company) side instant messenger corresponding to the selected IM identification information is automatically executed while the donor (company) side instant messenger is automatically executed. URL (A) for recognition of the donor (buyer) A control is performed so that the inserted and displayed donor (company) side instant messenger URL display guide screen (refer to FIG. 3B ) is output through the information output unit 301 ( S150 ).

Thereafter, the donor (company) side instant messenger of the donor (company) terminal 300 sends the donor (buyer) account of the instant messenger that the donor (company) requests delivery of the URL (A) for recognition of the donor (buyer) to the donor ( If specified through the donor (company) designation guide screen (refer to FIG. 3c) for the instant messenger of the company) side, the URL (A) for recognition of the beneficiary (buyer) to the beneficiary (buyer) terminal 400 corresponding to the beneficiary (buyer) account ) is transmitted (S160).

Thereafter, the recipient (buyer) side instant messenger of the recipient (buyer) terminal 400 displays a URL display guide screen for the recipient (buyer) side instant messenger in which the transmitted recipient (buyer) recognition URL (A) is inserted and displayed (see FIG. 3d ) ) is controlled to be output (S170) through the information output unit 401.

After that, when the recipient (buyer) recognition URL (A) displayed on the instant messenger on the recipient (buyer) side of the recipient (buyer) terminal 400 is clicked, it is linked with the recipient (buyer) side for blockchain-based digital virtual currency transaction The app 410 is automatically run (S180).

The automatically executed beneficiary (buyer) terminal 400 of the beneficiary (buyer) side block chain-based digital virtual currency transaction app 410 includes the personal information of the beneficiary (buyer) who receives the digital virtual currency with the block chain It controls to generate a personal details signal for authentication of the beneficiary (buyer) and transmit it to the digital virtual currency transaction guide server 200 (S190).

At this time, past the personal details signal transmission step (S190) for the beneficiary (buyer) authentication. The block chain-based digital virtual currency transaction guide server 200 sets up escrow on the buyer side, and conditionally transfers the virtual currency transaction amount to the donor (company) account (S190a).

After the virtual currency transaction price conditional transfer step (S190a), the donor (company) side confirms the fact that the virtual currency transaction price has been conditionally transferred, and a virtual currency transaction price transfer confirmation determination step (S190b) is performed.

After the virtual currency transaction price transfer fact confirmation determination step (S190b), the block chain-based digital virtual currency transaction guide server 200 receives a personal information signal for authenticating the beneficiary (buyer) from the beneficiary (buyer) terminal 400 When the signal is transmitted , After confirming that the beneficiary (buyer) is a member by matching the personal information of the beneficiary (buyer) included in the personal details signal for authentication of the beneficiary (buyer) with the member list information DB 211, the electronic wallet list information DB 212 deduct the amount to be donated to the beneficiary (buyer) from the block chain-based digital virtual currency amount information stored in the donor’s (company) electronic wallet information, and the deducted amount is the amount of the block chain stored in the donor’s (buyer) electronic wallet information. After accumulating in the base digital virtual currency amount information, transaction information for digital virtual currency transaction with a block chain is generated based on this and transmitted to the designated block chain holding servers 100 (S200).

At this time, the block chain-based digital virtual currency transaction guide server 200 includes the electronic cryptographic source of the virtual currency (including the "file name" in which the virtual currency is formed or the "node" of the virtual currency) and the fingerprint / finger vein / iris / face The donor (company) that determines whether there is a request to convert the donor (company) of the virtual currency matched with the electronic algorithm source into the beneficiary (buyer) by the authentication signal of fingerprint / finger vein / iris / face, and converts this information ) - Performs the fingerprint / finger vein / iris / face authentication information conversion step (S210a) of the recipient (buyer).

After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital By authenticating a virtual currency transaction and recording transaction information for a digital virtual currency transaction having a block chain according to the authentication (S210), the transaction is authenticated.

Thereafter, the block chain-based digital virtual currency transaction guide server 200 transmits a message stating that the digital virtual currency having the block chain has been paid to the donor (buyer) to the donor (company) terminal 300 .

After the step of recording transaction information for digital virtual currency transaction with the block chain (S210), the donor (company) terminal 300, 300c sets the escrow for the virtual currency transaction price to the buyer after the set period between the parties has elapsed. The virtual currency transaction amount escrow release request step (S220) for requesting release is performed.

After the virtual currency transaction amount escrow release request step (S220), the beneficiary (buyer) terminal 400, 400c performs the virtual currency transaction amount escrow release step (S230) of releasing the escrow for the virtual currency transaction amount. .

After the virtual currency transaction amount escrow release step (S230), when the beneficiary (buyer) terminal and the donor (company) terminal release the escrow, the block chain-based digital virtual currency transaction guide server 200 in the second A virtual currency transaction price transfer completion step in which the conditionally transferred virtual currency transaction price to the account is completed to establish a virtual currency transaction (S240); and

When either of the donor (buyer) terminal and the donor (company) terminal does not release the escrow, the transaction amount conditionally transferred from the block chain-based digital virtual currency transaction guide server 200 to the second account is the first Refund to the account is made to the virtual currency transaction money refund step (S250) to not establish the e-commerce, and is ended thereafter.

After that, the donor (company) side blockchain-based digital virtual currency transaction app 310 of the donor (company) terminal 300 receives a message from the blockchain-based digital virtual currency transaction guide server 200, select IM identification In a state where the donor (company) side instant messenger corresponding to the information is automatically executed, a message is inserted into the automatically executed donor (company) side instant messenger payment confirmation guidance screen for the donor (company) side instant messenger (Fig. 3e) reference) to be output through the information output unit 301 .

In addition, the recipient (buyer) side block chain-based digital virtual currency transaction app 410 of the recipient (buyer) terminal 400 sends a message from the block chain based digital virtual currency transaction guide server 200, the recipient ( In the state in which the automatic execution of the instant messenger on the buyer) side is controlled, the accumulated storage guide screen for the instant messenger on the recipient (buyer) side (refer to FIG. 3f) with a message inserted into the automatically executed instant messenger on the recipient (buyer) side (see Fig. 3f) is displayed on the information output unit It is controlled to be output through 401.

Using the above-described prior art as described above, it may be applied to the implementation system of the novel present invention.

The protection scope 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 protection scope of the present invention cannot be limited due to obvious changes or substitutions in the technical field to which the present invention pertains.

100: Blockchain holding server
200: Blockchain-based digital virtual currency transaction guide server
211 : Member list information DB
300: donor terminal
301: information output unit
310: App for donor-side blockchain-based digital virtual currency transaction
400: beneficiary terminal
410: App for digital virtual currency transaction based on beneficiary's block chain
510: Blockchain-based digital cryptocurrency transaction screen
511: Amount display field
512: Instant messenger selection box
513: text input field
200a: integrated photographic authentication device
200b: security authentication means
201: object receiving part
201a: Scan panel upper case
201b: Scan panel lower case
220, 230, 231: image sensor
240, 241: infrared light source unit
250: scan panel
250a: fingerprint finger contact part
250b: finger vein finger non-contact part
260a: infrared side transmitter
260: infrared side transmitter case

Claims (4)

As a transaction method of Crypto-Currency consisting of a donor terminal 300 and a donor terminal 400 without a subject of issue of money in a blockchain structure in which transmission records made in the network are collected and encrypted,
First, the app execution step (S110) of the donor terminal 300 running the donor-side block chain-based digital virtual currency transaction app 310 mounted according to the donor's selection;
The blockchain-based digital cryptocurrency transaction app 310 divides any one of a fingerprint, a finger vein, an iris, and a face image into each pixel, and each pixel is digital according to the presence or absence of a fingerprint, finger vein, iris and face pattern. The procedure is made by binary data output as an electrical signal,
The donor terminal 300 outputs the blockchain-based digital virtual currency transaction screen 510 stored and managed through the donor-side blockchain-based digital virtual currency transaction app 310 through the information output unit 301 . Information output unit display step (S120) for controlling the display;
After the information output unit display step (S120), the block chain-based digital virtual currency transaction guide server 200 includes a digital virtual currency transaction information receiving step (S120b) of receiving digital virtual currency transaction information to be concluded (purchased);
After the digital virtual currency transaction information receiving step (S120b), the block chain-based digital virtual currency transaction guide server 200 allows the virtual currency transaction price to be transferred from the beneficiary (buyer) to the donor (company) or the transaction price is A buyer/donor (company) account mapping step (S120c) of mapping the first account linked with the donor (buyer) terminal and the second account linked with the donor (company) terminal so as to be refunded to the buyer;
Thereafter, the amount display field 511, the instant messenger selection field 512, and the text input field 513 on the block chain-based digital virtual currency transaction screen 510 displayed by the donor terminal 300 through the information output unit 301. ), when the transmission menu 514 is clicked in the state entered in the input form in accordance with the input form, the digital Blockchain-based digital that collects the amount information of virtual currency, the identification information of the selected instant messenger, and the personal information of the stored and managed donor to generate a transaction request signal for the donor and transmits it to the blockchain-based digital virtual currency transaction guide server 200 Cryptocurrency transaction guide transmission step (S130);
The beneficiary terminal 400 automatically executed the beneficiary side block chain-based digital virtual currency transaction app 410 generates a personal details signal for the beneficiary authentication including the personal information of the beneficiary who receives the digital virtual currency with the block chain, and A digital virtual currency transaction guide transmitting step (S190) of transmitting it to the digital virtual currency transaction guide server 200;
At this time, past the personal details signal transmission step (S190) for the beneficiary (buyer) authentication. The block chain-based digital virtual currency transaction guide server 200 sets up escrow on the buyer side, and conditionally transfers the virtual currency transaction amount to the donor (company) account (S190a);
After the virtual currency transaction price conditional transfer step (S190a), the donor (company) side confirms the fact that the virtual currency transaction amount is transferred conditionally (S190b);
After that, when the block chain-based digital virtual currency transaction guide server 200 transmits the personal details signal for authentication of the beneficiary from the beneficiary terminal 400, the personal information of the beneficiary included in the personal information signal for authentication of the beneficiary is stored in the member list information DB. (211), after confirming that the donor is a member, deduct the amount to be donated to the beneficiary from the blockchain-based digital virtual currency amount information stored in the donor's electronic wallet information in the electronic wallet list information DB 212, and the deduction After accumulating the amount of digital virtual currency amount information stored in the beneficiary's electronic wallet information, the transaction information for digital virtual currency transaction with a block chain is generated based on this amount and transmitted to the designated block chain holding servers 100. A digital virtual currency transaction transaction information transmission step (S200);
After that, when the designated individual block chain holding server 100 transmits the transaction information for digital virtual currency transaction with the block chain, the blockchain-based digital A transaction authentication step (S210) of authenticating a virtual currency transaction and performing authentication of the transaction by recording transaction information for a digital virtual currency transaction having a block chain according to the authentication;
After the step of recording transaction information for digital virtual currency transaction with the block chain (S210), the donor (company) terminal 300, 300c sets the escrow for the virtual currency transaction price to the buyer after the set period between the parties has elapsed. Cryptocurrency transaction price escrow release request step (S220) for requesting release;
After the virtual currency transaction amount escrow release request step (S220), the beneficiary (buyer) terminal 400, 400c releases the virtual currency transaction amount escrow step of releasing the escrow for the virtual currency transaction amount (S230);
After the virtual currency transaction amount escrow release step (S230), when the beneficiary (buyer) terminal and the donor (company) terminal release the escrow, the block chain-based digital virtual currency transaction guide server 200 in the second A virtual currency transaction price transfer completion step in which the conditionally transferred virtual currency transaction price to the account is completed to establish a virtual currency transaction (S240); and
When either of the donor (buyer) terminal and the donor (company) terminal does not release the escrow, the transaction amount conditionally transferred from the block chain-based digital virtual currency transaction guide server 200 to the second account is the first A method of trading digital virtual currency by a two-way escrow service, characterized in that it is refunded to the account and made of a refund step (S250) of the virtual currency transaction to disable the e-commerce, and is terminated thereafter. delete delete delete

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