KR102337264B1 - Service using mobile digital card of app type checking biometric - Google Patents

Abstract

The present invention relates to a method for generating an app-type mobile digital card and a payment service method using the same. According to the present invention, the app-type mobile digital card is directly issued on a mobile instead of mobile use of an already issued plastic card. In addition, a phone number is linked for security and payment processing can be performed by biometric authentication. In the mobile digital code of the app-type mobile digital card, an encrypted random password source (316) provided by a random number (315) generated in the phone number linked to an overall matching program (340a) is converted in the overall matching program (340a) and an electronic algorithm source (416) provided by a fingerprint/finger vein algorithm (415) is converted in the overall matching program (340a), which can be merged by a matching program (344) and can be traded as basic transmission and authentication units.

Description

Method of generating an App-type mobile digital card by biometric authentication linked to a phone number and method of using the same {SERVICE USING MOBILE DIGITAL CARD OF APP TYPE CHECKING BIOMETRIC}

The present invention relates to a method of generating an App-type mobile digital card by biometric authentication in connection with a phone number and a method of using the same, and more specifically, to a method for using the same, and more specifically, not using a previously issued plastic card in a mobile device, but directly It is a method of generating and using an App-type mobile digital card that enables the issuance of an App-type mobile digital card on a mobile device and can be processed through biometric authentication by linking a phone number for security .

The key point of biometric authentication technology applied to convergence authentication cards using fingerprint and finger vein recognition is to obtain unique biometric information for each person using a cash payment card and to authenticate by recognizing it.

In the case of fingerprint recognition, there is a problem that the surface of the fingerprint can be easily forged and copied. In addition, frequent authentication errors were pointed out, such as when moisture or foreign substances are on the finger, or when the skin of the finger is damaged or deformed. It is known that the false recognition rate of fingerprint recognition is about 5%. For example, 5 out of 100 fingerprints cannot be recognized.

On the other hand, an error problem according to distance and angle was pointed out in the iris recognition technology. In addition, there was a problem that authentication failed when the subject wore color content lenses or had LASIK or LASEK surgery. In particular, the time required for authentication was long.

In the card, NFC (Near Field Communication) method is a non-contact short-distance communication that is advantageous for security and has been activated while being applied to smartphones. It is composed of an NFC chip that stores , and a loop antenna.

The NFC technology includes a component including a communication interface operating by inductive coupling, and has two or more operation modes including a reader mode and a card emulation mode.

In addition, the NFC communication unit performs short-distance data communication with the outside to perform an RFID reader function and/or a tag function in, for example, 13.56 MHz band.

In addition, as a method of deciphering a magnet (hereinafter referred to as 'MGT') card, a magnet card equipped with a magnet has three magnet tracks on a magnet strip. The magnetic flux is engraved in the form of a line pattern on the fragment of the magnet track. The interval between magnetic fluxes changes according to binary information 0 or 1. The continuous magnetic fluxes are operated with the corresponding magnetization direction each time.

Finger vein authentication technology is superior to the biometric technology above in all aspects such as counterfeit resistance, false acceptance rate, false reject rate, failure to enroll rate, and authentication time. known Finger vein authentication technology is a technology that recognizes vein patterns by transmitting near-infrared rays through the finger. Because the inside of the blood vessel is authenticated, forgery is impossible, and there is an advantage that the finger vein pattern of a dead person cannot be utilized.

This finger vein authentication technology combines a hardware device technology that obtains a finger vein image using a CCD camera, and a software technology that filters the finger vein image using a pattern processing program or extracts the vein pattern and calculates the finger vein image. .

In general, when using a cash card or credit card, the method of checking the authenticity of the card user is a very monotonous method of checking whether the input password matches the password stored in the bank by requiring the user to enter a password in the process of using the card. Through this method, the authenticity of the card user was confirmed.

However, in the conventional method of verifying the authenticity of a card user as described above, any other person can use a lost card or a duplicate card, or steal the card by coercive method to the owner of the card and find out the password. I could use it, but I couldn't control it at the source.

So, conventionally, a card payment method by fingerprint recognition using a fingerprint and a card thereof have been developed.

In Korean Patent Publication No. 2002-0052021, there is an invention that can dramatically improve the reliability and security of verifying the authenticity of a user in the process of using a card by providing a fingerprint recognition device that generates and outputs data by pressure emission on the card. was created

That is, the prior invention is provided with a fingerprint recognition device that reads fingerprint data into the card by the pressure emission method and generates and outputs fingerprint data to improve the security and reliability of the authenticity check of the card user, and the pressure emission method Input user information such as user's fingerprint data and user's personal data input by fingerprint input, input the input user information to the main data unit of the management system, and store the fingerprint data and card identification data in the card memory unit a card issuance process 100 for issuing the card 10 by inputting in (13); a card insertion process 210 of inserting the fingerprint recognition element 12 of the card 10 issued through the card issuance process 100 and inserting the card 10 into the card using equipment; a card recognition process 220 for reading the card 10 inserted through the card insertion process 210; a password verification process 230 for receiving the password of the card 10 from the user and confirming whether the password matches or not; When the passwords match through the password verification process 230, the authenticity confirmation data input confirmation process 240 and the authenticity confirmation data input confirmation process 240 for determining whether authenticity confirmation data has been input through the fingerprint authenticity confirmation process of the card 10 from the card 10 a work item input process 250 for receiving work items from a user when the signal input is confirmed through the confirmation data input confirmation process 240; a work performance determination process 260 for determining whether the work items input through the work item input process 250 are fulfilled; a task implementation process 270 of performing a task when it is determined that implementation is possible through the task performance determination process 260; The card discharging process 280 of discharging the input card 10 after the completion of the operation fulfillment process 270 is performed.

Here, the fingerprint authenticity verification process of the card 10 includes a fingerprint data generation output process 310 in which the fingerprint recognition element 12 outputs fingerprint data by light-emitting under pressure when the user inserts the fingerprint recognition element 12 and ; a fingerprint authenticity determination process 320 of comparing the fingerprint data input through the fingerprint data generation output process 310 with the fingerprint data stored in the card memory unit 13 to determine authenticity; an authenticity confirmation data output process 330 of outputting authenticity confirmation data to the card use device 1 and the fingerprint recognition device 12 when authenticity is determined through the fingerprint authenticity determination process 320; The fingerprint recognition device setting process 340 for resetting the fingerprint recognition device 12 that is pressed and emitted according to a signal input according to the rejection determination of the authenticity confirmation data output process 330 and the fingerprint authenticity determination process 320 will be.

Unexplained reference numeral 15 denotes a magnetic part used in a conventional card.

On the other hand, as described above, the card 10 capable of recognizing a fingerprint includes a fingerprint recognition device 12 that generates and outputs fingerprint data by pressurized light emission, and a card memory by reading a fingerprint from the fingerprint recognition device 12 . It is composed of a card controller 11 that determines whether the fingerprint data stored in the unit 13 matches or not, and a data output unit 14 that outputs a signal output from the card controller 11 to the card using device 1 .

And, as another prior art, as can be seen from FIGS. 3 and 4 , in Patent Publication No. 10-2015-0002067, a mobile card of an App (App: Application) type has been recently developed. The app-type mobile card is a new concept mobile card that is used by online and offline merchants by registering existing cards (credit/check/name prepaid, etc.) in the smartphone app without a separate issuance procedure, unlike the existing method of storing card information in the USIM.

In the payment method using the app-type mobile card, there is no need for an additional device installed in the affiliate store for payment using the USIM-type mobile card, and only the software of the payment terminal that is already in use needs to be partially modified. is expected to be

Referring to FIG. 3 , the payment system according to an embodiment of the present invention includes a terminal 100 , a relay server 200 , and a financial institution server 300 . Here, the financial company server 300 includes first to nth financial company servers 300-1, 300-2, ..., 300-n.

Referring to FIG. 4 , the terminal 100 includes a communication module 110 , a control unit 120 , a memory 130 , and a display unit 140 in order to support the app card payment method, and although not shown, It may further include an input unit for receiving a user's input.

Based on the above technology, a user can be issued a plurality of mobile cards by storing card information for a plurality of cards he/she owns in the USIM. In this case, if it is known which card company provides the most benefits or events, a method of selecting the most suitable mobile card from the user's point of view to pay for the purchased goods or services has been devised.

In addition, the Galaxy A Quantum is a newly released Samsung smartphone from SKT. It is equipped with quantum security for the first time in the world, so the technology to send and receive important information related to login and finance more safely than before has been completed.

Quantum random number generation, which is still unfamiliar, has developed into a technology that can protect important information from the risk of hacking because it can encrypt important data by generating random numbers using the randomness of light that has no specific pattern and is unpredictable.

As you can see from the name Galaxy A Quantum taken from QRNG, that is, Quantum Random Number Generator, a quantum random number generation chipset with a size of 2.5 mm inside the device, not only the general public, but also people in important security-related tasks such as finance or military personnel. known to be suitable for

And, an atom is composed of an atomic nucleus and electrons, among which the atomic nucleus is composed of neutrons and protons. Atomic random number generation IC CHIP developed in Japan is a method using the natural decay of atomic nuclei.

Quantum is a random number generator that uses quantum = proton as a material to generate random numbers.

The typical quantum mechanical properties used in quantum random number generators are the method using the randomness of light and the method using the natural decay of radioactive isotopes.

The encryption method used in SK quantum phones is a method using the randomness of light.

And among the methods using the natural decay phenomenon of radioisotopes, random random numbers created using protons are called quantum random numbers.

In conclusion, the contents are similar, but depending on whether an atomic nucleus or proton is used, it is divided into an atom and a proton, and there is a difference in the method of making it depending on which isotope is used.

However, there is a method of using a fingerprint recognition card or a magnetic type card as described above by reading it on a mobile device, but it is very cumbersome because all the cards are issued only when the card is issued directly by the bank.

In order to solve the above problems, the present invention has come to devise a method for direct issuance by linking it with a financial company and mobile.

In addition, there is provided a payment service method for making electronic commerce or financial settlement using an App-type mobile digital card by biometric authentication linked to a phone number recognized in one's own phone.

In addition, the present inventor has developed a technology that matches the biometric information of fingerprints/finger veins because the application field thereof is not clearly defined even if such an atomic or quantum random number generation chipset has been developed, so that security and hacking in the financial market can be prevented. came to propose.

In the present invention, the customer terminal 100a connects to the relay server 300a through the communication network to the financial transaction relay system 1000a, and issues an App-type mobile digital card while signing up as a member. Mobile digital card issuance step (S110); After the App-type mobile digital card issuance step (S110), the relay server 300a enters member information to input basic personal information as member information on the display screen of the App-type mobile digital card issuer screen providing step (S120); After the member information input screen providing step (S120) is provided, the relay server 300a requests whether the issuer of the App-type mobile digital card registers the App-type mobile digital code with a phone number. Phone number mobile digital code registration request step (S130); After the phone number mobile digital code registration request step (S130), the relay server 300a provides a phone number input screen providing step (S140) of inputting a phone number to the display unit screen of the App-type mobile digital card issuer. ; After the phone number input screen providing step (S140), the relay server 300a requests whether the issuer of the App-type mobile digital card registers the App-type mobile digital code as biometric information. Information mobile digital code registration request step (S150); After the biometric information mobile digital code registration request step (S150), the relay server 300a displays so that the issuer of the App-type mobile digital card can register the App-type mobile digital code as biometric information. A biometric information input screen providing step of inputting biometric information to the sub screen (S160); After the biometric information input screen providing step (S160), the biometric information mobile digital code registration step (S170) in which biometric information is input in the input device of the customer terminal (100a); After the biometric information mobile digital code registration step (S170), the relay server 300a registers the biometric information by matching the encryption source of the phone number with the encryption source of the biometric information by a matching program, and guides the registration completion Biometric information registration completion guide step (S180); After the biometric information registration completion guide step (S180), the relay server 300a stores the biometric information mobile digital code storage step (S190); After the biometric information mobile digital code storage step (S190), the biometric information mobile digital code completion guide step (S191) of completing and notifying the App-type mobile digital code storage; It is a method of generating an App-type mobile digital card by biometric authentication linked to a phone number, characterized in that consisting of

And in the present invention, the customer terminal 100a connects to the relay server 300a through the communication network to the financial transaction relay system 1000a, and uses the App-type mobile digital card registered as a member. type mobile digital card use step (S210); After the App-type mobile digital card use step (S210), the relay server 300a displays a phone number input screen for entering a phone number on the display screen of the App-type mobile digital card issuer. providing a phone number input screen to provide (S220); After the phone number input screen providing step (S220) is provided, the relay server 300a allows the issuer of the App-type mobile digital card to be matched with the biometric information of the App-type mobile digital code as a phone number. a phone number input step (S230) of first inputting a phone number so that the user can; When the phone number input step (S230) is completed, the relay server 300a provides a transfer/payment screen for financial transactions on the display screen of the App-type mobile digital card issuer. Payment screen providing step (S240); After the transfer/payment screen providing step (S240), the relay server 300a includes a bank selection step (S250) of allowing the issuer of the App-type mobile digital card to select a bank; After the bank selection step (S250), the relay server 300a includes a bank account number input step (S260) for allowing the issuer of the App-type mobile digital card to input the bank passbook account number; After the bank passbook account number input step (S260), the relay server 300a includes a transfer/payment amount input step (S270) for the issuer of the App-type mobile digital card to input the transfer/payment amount; After the transfer/payment amount input step (S270), the relay server 300a performs a transfer/payment request step (S290) of requesting that the issuer of the App-type mobile digital card transfer/pay; After the transfer/payment request step (S290), the relay server 300a requests that the issuer of the App-type mobile digital card be matched with the phone number on the App-type mobile digital code as biometric information. a biometric information input request step (S291); After the biometric information input request step (S291), the relay server 300a matches the encryption source of the phone number and the encryption source of the biometric information by the matching program, so that the execution of the App-type mobile digital card is authenticated. Execution preparation completion guidance step that can be (S292); After the execution preparation completion guidance step (S292), the relay server 300a may provide a final approval confirmation request step (S293) in which the issuer of the App-type mobile digital card finally requests a transfer/payment; a transfer/payment completion notification step (S294) of notifying that the transfer/payment has been completed after the final approval confirmation request step (S293); It is a method of using an App-type mobile digital card by biometric authentication linked to a phone number, characterized in that it consists of

And, in the present invention, on one side of the App-type mobile digital card, the photo information stored in the customer terminal 100a is displayed by the camera operation module 1094. Biometric authentication linked to a phone number This is a method of using an App-type mobile digital card by

And, in the present invention, the biometric information is matched with an atomic random number or quantum random number generated by the atomic random number generator 1080 or quantum random number generator 1090 as fingerprint/finger vein information by a matching/algorithm unit. It is a method of using an App-type mobile digital card by biometric authentication linked to a phone number, characterized in that there is.

In addition, the present invention provides an App in which the customer terminal 100a connects to the relay server 300a through a communication network in the financial transaction relay system 1000a, and issues an App-type mobile digital card while subscribing as a member. )-type mobile digital card generation method, wherein the mobile digital code of the App-type mobile digital card is an encrypted random number password provided from a random number 315 generated from a phone number associated with the general matching program 340a The source 316 is converted in the global matching program 340a, and the electronic algorithm source 416 provided from the fingerprint/finger vein algorithm 415 is converted in the global matching program 340a, and these are converted to the matching program 344. It is a method of generating an App-type mobile digital card by biometric authentication linked to a phone number, characterized in that it is a basic unit of transmission and authentication so that it can be fused with each other so that it can be transacted.

Therefore, the present invention has the effect of directly issuing the mobile phone link by using the app (App) according to the contract, even if you do not go to the financial company directly from the mobile.

In addition, there is an effect of providing a payment service for e-commerce or financial settlement using an App-type mobile digital card by biometric authentication linked to a phone number recognized in one's own phone.

In addition, even if such an atomic or quantum random number generation chipset has been developed, its application field is not clearly defined. As a result of developing a technology that matches the biometric information of fingerprints/finger veins, this can also protect the financial market and prevent hacking. it has an effect.

1 is a main configuration diagram of a convergence authentication card as an embodiment of the prior invention;
2 is a flowchart of payment processing by a convergence authentication card as an embodiment of the prior invention;
3 is a block diagram illustrating an overall configuration of a payment system according to an exemplary embodiment of the related art.
FIG. 4 is a block diagram showing a schematic hardware configuration of the terminal shown in FIG. 3 .
5 is a schematic plan view showing the form of an App-type mobile digital card of the present invention.
6 is a block diagram showing the overall configuration of a payment system according to an embodiment of the present invention.
7 is a block diagram showing a schematic hardware configuration of the terminal shown in FIG.
8 is a block diagram showing a conversion device in which the phone number of the present invention is matched with fingerprint/fingerprint information.
9 is a flowchart of a method for generating an App-type mobile digital card by biometric authentication linked to a phone number according to the present invention.
10 is a flowchart of a payment method for an App-type mobile digital card by biometric authentication linked to a phone number according to the present invention.
11 is a view showing an example of the internal electronic configuration of the fingerprint / finger vein authentication device of the present invention.
12 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.
13 is a view showing an input/output integrated module that interlocks an algorithm of a fingerprint and a finger vein.
14 is a flowchart for requesting registration of fingerprints and finger veins.
15 is a flowchart for requesting authentication of fingerprints and finger veins.
16 is a flowchart for requesting deletion of fingerprints and finger veins.
17 is an exemplary configuration diagram of a fingerprint and/or finger vein imaging authentication device according to an embodiment applied in the present invention;
18 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 conventional fingerprint invention applied to the present invention are applied.
19 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.
20 is a block diagram showing a single-chip implementation example of a fingerprint recognition device according to the conventional second invention of a fingerprint applied to the present invention.
21 is an exemplary diagram comparing fingerprint recognition using specific points of a fingerprint according to the conventional third fingerprint invention applied to the present invention;
22 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;
23 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;
24 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.
25 is an external view of a finger vein pattern input device according to an embodiment of the prior art applied to the present invention.
26 is a cross-sectional view of FIG. 25 applied to the present invention.
27 is a diagram of a smartphone conceptually illustrating a fingerprint image acquisition mechanism of an authentication device using a vertical style USB according to the present invention.
28 is a diagram conceptually illustrating an image acquisition mechanism of a finger vein and a finger fingerprint of the authentication device according to an embodiment of the present invention.
29 is a diagram of a smartphone conceptually illustrating a fingerprint and finger vein image acquisition mechanism of an authentication device using USB of the present invention, and FIG. 30 is a conceptual diagram illustrating a fingerprint image acquisition mechanism of an authentication device using USB of the present invention. It is a diagram of a smartphone showing, and FIG. 31 is a diagram of a smartphone conceptually illustrating the finger vein image acquisition mechanism of the authentication device using the USB of the present invention.
32 is a schematic diagram of a device matched with finger vein information in which a security chip of quantum quantum random number using USB is formed as an embodiment of the present invention, and FIG. 33 is an embodiment of the present invention, quantum quantum random number using USB It is a schematic diagram of the device matched with the fingerprint information in which the security chip is formed.
34 is a block diagram showing an atomic random number matching device with fingerprint/finger vein information according to the present invention.
35 is a block diagram showing a conversion device for matching atomic random numbers with fingerprint/finger vein information according to the present invention.

In the description of the present invention, if it is determined that related known functions are obvious to those skilled in the art and may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted.

The present invention is a non-authentication connection payment system without passing through a vensa (VAN company) against the background of NFC integrated financial payment. 3) Electronic insurance card, (4) electronic resident card, (5) electronic immigration card, (6) electronic passport card, (7) electronic driver’s license card, (8) electronic attendance and attendance card, etc. make it clear

In addition, the financial company server for an embodiment of the present invention may be a card company server, a bank server, a PG (Payment Gateway) server, and other various types of financial company servers, and the financial company server is the above-mentioned card company server, bank server, PG It may be used interchangeably with server and other financial company servers.

5 is a schematic plan view showing the form of an App-type mobile digital card of the present invention.

Such a form is created in the mobile, and when used, the mobile digital card is displayed, so that the usage status thereof can be checked.

As shown in the figure, in the mobile digital card 5000 formed in a mobile form in a general form, a mobile digital code 5100 is formed therein, member information 5200 is recorded at the bottom thereof, and a phone call is made to the right side. Photo information 5300 of the number user is included.

In the mobile digital code 5100, a phone number and biometric information to be described later are matched and stored as an electronic source, and other general information can also be input, and it is unique to the person who authenticates it with a phone number and/or biometric information. It will be used as the card number of

And the member information 5200 includes user information of the customer terminals 1000, for example, name, ID, password, phone number, email address, and the like. The member information 122 is matched with the fingerprint information 124 and the financial information 126 for bank management.

In addition, the photo information 5300 is controlled to store or transmit a picture of the user that can be taken with a smart phone in the mobile digital code 5100 as it is.

6 is a block diagram showing the overall configuration of a payment system according to an embodiment of the present invention.

The terminal (device) referred to in the present invention may be referred to as a terminal of a type capable of accessing the network to the aforementioned financial company server, requesting payment, and receiving the payment result.

Here, the terminal includes a server, a client, a desktop computer, a laptop computer, a network computer, a workstation, a personal digital assistant (PDA), a tablet PC, a scanner, a phone, a pager, a camera equipped with a communication function, a smartphone, and a communication function It may be a television, a portable video game device with a communication function, a music device with a communication function, a media playback device with a communication function, a wireless sensor, and the like.

In addition, the App referred to in the present invention is a kind of program module installed in the terminal, and displays an icon or menu on the display device, and the displayed icon (or menu, hereinafter omitted) is displayed by key input or touch input. When selected, an interface for receiving various information may be displayed on the display device.

In addition, the app (App) drives the hardware built into the terminal, for example, a wireless communication module to request payment for goods or services to the financial company server, or access the USIM chip embedded in the terminal to provide user information to the financial company server. have.

6 is a block diagram showing the overall configuration of a payment system according to an embodiment of the present invention.

Referring to FIG. 6 , a financial transaction relay system 1000a according to an embodiment of the present invention includes a terminal 100a, a relay server 200a, and a financial company server 300a. Here, the financial company server 300a includes first to n-th financial company servers 3000-1, 3000-2, ..., 3000-n.

The customer terminal 1000 supports a payment method of generating and authenticating a mobile digital code, unlike the existing USIM mobile card that was limited only to an NFC phone. Although not particularly limited, in an embodiment of the present invention, it is assumed that the terminal price supports a payment method using a mobile digital code.

In order to support a payment method using a mobile digital code, the terminal 100a transmits mobile digital code information including identification information for identifying the selected card to a plurality of financial company servers 3000-1, 3000-2, ...3000- After making a request to any one of n) any one of the financial company servers, receiving the mobile digital code information for the request from any one of the financial company servers to generate a mobile digital code, 0 series of payment processing using the generated mobile digital code proceed with

The relay server 200a is communicatively connected to the terminal 100a and a plurality of financial company servers 3000-1, 3000-2, ...3000-n through a communication network, respectively, and the terminal 100a and each financial company server 3000- 1, 3000-2, …3000-n) are individually relayed.

In addition, the relay server 200a may receive a mobile digital code information request message requested by the terminal 1000 from the financial company server 300a, and analyze the received mobile digital code information request message to receive a mobile After confirming whether the card is a digital card, the received mobile digital code information request message is transmitted to the relevant financial company.

In this case, the relay server 200a may collect and analyze card information included in the received mobile digital code information request message to further analyze card usage preferences for each category.

The financial company server 300a includes a plurality of financial company servers 3000-1, 3000-2, ..., 3000-n, and the plurality of financial company servers 3000-1, 3000-2, ..., 3000-n) performs a payment procedure according to the terminal 1000 and one app card payment method. Accordingly, the customer terminal 100a uses one app card payment-only program downloaded from the app store to make payments for a plurality of financial company servers 3000-1, 3000-2, ..., 3000-n. can

7 is a block diagram showing a schematic hardware configuration of the terminal 100a shown in FIG. 6 .

Referring to FIG. 7 , the customer terminal 100a includes a control unit 1010, a communication module 1020, a biometric authentication module 1030, a display unit 1040, and a USIM ( 1050), matching/algorithm unit 1060, biometric data D/B 1070, atomic random number generator 1080, quantum random number generator 1090, encryption/decryption processor 1091, phone number authentication processor ( 1092), a fingerprint recognition device interface 1093, and a camera operation module 1094, and although not shown, may further include an input unit for receiving a user's input and each D/B, if necessary.

The control unit 1010 controls the overall operation of the components 1020 to 1091 provided in the terminal 10a0, and for this, at least one process and at least one cache mounted in the at least one process It may include a memory and an execution memory provided outside the at least one process, and may be connected to each of the components 1020 to 1091 through a bus line.

Through each operation of these hardware components, the control unit 1010 generates various interfaces related to app mobile digital card payment, mobile digital code information, and the like.

The communication module 1020 includes a wireless network communication module for connecting wireless communication and a short-range communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance, and according to the control of the control unit 1010 . The mobile digital code information request message is transmitted to the relay server 200a, and the mobile digital code information transmitted in response to the mobile digital code information request message from the financial institution server 300a is received through the relay server 200a.

The biometric authentication module 1030 controls the overall operation of the fingerprint recognizer and fingerprint storage provided in the customer terminal 100a, and transmits fingerprint information and generates an authentication value and provides it to the mobile digital card app.

The display unit 1040 is a display module such as an LCD or LED, corresponding to various interface screens required in the app card payment process under the control of the control unit 1010, and mobile digital code information received from the financial company server 300a Display the mobile digital code to In this case, the mobile digital code may be displayed in the form of a one-dimensional, two-dimensional, or three-dimensional mobile digital code or color mobile digital code.

The USIM 1050 stores member information and fingerprint information for various security in the smart phone, and when there is an input requested from the outside, a return signal value is transmitted in response thereto.

The matching/algorithm unit 1060 determines whether the user's data stored in the biometric data D/B 1070 matches the user's biometric information value obtained from the digital conversion unit. If they match, a success message may be output through the display unit 1040 . If the decryption fails, an authentication failure message may be output to the display unit 1040 .

In the biometric data D/B 1070, the user's biometric information stored in advance is stored. In an embodiment of the present invention, the biometric data D/B 1070 may be built in the internal memory of the authentication device. On the other hand, it is located in storage external to the device and can be accessed by wired or wireless communication.

The atomic random number generator 1080 generates an atomic random number by utilizing the randomness of light that has no unfamiliar specific pattern and is unpredictable. Therefore, important data is encrypted or decrypted with fingerprint/finger vein information.

The quantum random number generator 1090 can encrypt important data by generating quantum random numbers by utilizing the randomness of light that is not yet unfamiliar with a specific pattern and cannot be predicted, and encrypts or decrypts them with fingerprint/finger vein information. will make it

The encryption/decryption processor 1091 encrypts or decrypts data of a phone number or fingerprint/finger vein information in the present invention to prevent security and hacking during transmission and authentication.

The phone number authentication processor 1092 performs authentication processing for an external request for a phone number stored in the USIM chip in the customer terminal 1000 .

The fingerprint / finger vein recognition device interface 1093 serves as a medium for transmitting all commands and data for fingerprint / finger vein information to be encrypted using an encryption code.

The camera operation module 1094 operates the camera in the smart phone to obtain photo information for self-authentication, and transmits it to one side of the mobile digital card to authenticate the user, and the App-type mobile digital On one side of the card, the photo information stored in the customer terminal 100a is displayed by the camera operation module 1094 .

The following describes a mobile digital card transaction method in which a phone number is matched with fingerprint/finger vein information as a security measure.

8 is a block diagram showing a conversion device in which the phone number of the present invention is matched with fingerprint/fingerprint information.

In the present invention, as shown in FIG. 8, the encrypted random number encryption source 316 provided from the random number 315 generated from the phone number associated with the general matching program 340a is converted in the general matching program 340a, 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, it becomes a basic unit of transmission and authentication and transaction it will enable you to do it.

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

Next, a method for generating an App-type mobile digital card by biometric authentication linked to a phone number of the present invention and a general method will be described.

9 is a flowchart of a method for generating an App-type mobile digital card by biometric authentication in connection with a phone number of the present invention, and FIG. 10 is an App-type by biometric authentication linking a phone number of the present invention It is a flow chart related to the payment method of the mobile digital card.

The following describes a method of registering an App-type mobile digital card by biometric authentication linked to a phone number.

An App-type mobile digital card in which the customer terminal 100a accesses the financial transaction relay system 1000a through a communication network to the relay server 300a, and issues an App-type mobile digital card while subscribing as a member issuance step (S110);

After the App-type mobile digital card issuance step (S110), the relay server 300a enters member information to input basic personal information as member information on the display screen of the App-type mobile digital card issuer screen providing step (S120);

After the member information input screen providing step (S120) is provided, the relay server 300a requests whether the issuer of the App-type mobile digital card registers the App-type mobile digital code with a phone number. Phone number mobile digital code registration request step (S130);

After the phone number mobile digital code registration request step (S130), the relay server 300a provides a phone number input screen providing step (S140) of inputting a phone number to the display unit screen of the App-type mobile digital card issuer. ;

After the phone number input screen providing step (S140), the relay server 300a requests whether the issuer of the App-type mobile digital card registers the App-type mobile digital code as biometric information. Information mobile digital code registration request step (S150);

After the biometric information mobile digital code registration request step (S150), the relay server 300a displays so that the issuer of the App-type mobile digital card can register the App-type mobile digital code as biometric information. A biometric information input screen providing step of inputting biometric information to the sub screen (S160);

After the biometric information input screen providing step (S160), the biometric information mobile digital code registration step (S170) in which biometric information is input in the input device of the customer terminal (100a);

After the biometric information mobile digital code registration step (S170), the relay server 300a registers the biometric information by matching the encryption source of the phone number with the encryption source of the biometric information by a matching program, and guides the registration completion Biometric information registration completion guide step (S180);

After the biometric information registration completion guide step (S180), the relay server 300a stores the biometric information mobile digital code storage step (S190);

After the biometric information mobile digital code storage step (S190), the biometric information mobile digital code completion guide step (S191) of completing and notifying the App-type mobile digital code storage;

It consists of a method of generating an App-type mobile digital card by biometric authentication in connection with a phone number, characterized in that it consists of.

The following describes how to use an App-type mobile digital card by biometric authentication linked to a phone number.

An App-type mobile digital card in which the customer terminal 100a accesses the financial transaction relay system 1000a through a communication network to the relay server 300a and uses the App-type mobile digital card registered as a member use step (S210);

After the App-type mobile digital card use step (S210), the relay server 300a displays a phone number input screen for entering a phone number on the display screen of the App-type mobile digital card issuer. providing a phone number input screen to provide (S220);

After the phone number input screen providing step (S220) is provided, the relay server 300a allows the issuer of the App-type mobile digital card to be matched with the biometric information of the App-type mobile digital code as a phone number. a phone number input step (S230) of first inputting a phone number so that the user can;

When the phone number input step (S230) is completed, the relay server 300a provides a transfer/payment screen for financial transactions on the display screen of the App-type mobile digital card issuer. Payment screen providing step (S240);

After the transfer/payment screen providing step (S240), the relay server 300a includes a bank selection step (S250) of allowing the issuer of the App-type mobile digital card to select a bank;

After the bank selection step (S250), the relay server 300a includes a bank account number input step (S260) for allowing the issuer of the App-type mobile digital card to input the bank passbook account number;

After the bank passbook account number input step (S260), the relay server 300a includes a transfer/payment amount input step (S270) for the issuer of the App-type mobile digital card to input the transfer/payment amount;

After the transfer/payment amount input step (S270), the relay server 300a allows the issuer of the App-type mobile digital card to enter the password of the bank account account password input step (S280) );

After the bank passbook account password input step (S280), the relay server (300a) is a transfer/payment request step (S290) of requesting that the issuer of the App-type mobile digital card transfer/pay;

After the transfer/payment request step (S290), the relay server 300a requests that the issuer of the App-type mobile digital card be matched with the phone number on the App-type mobile digital code as biometric information. a biometric information input request step (S291);

After the biometric information input request step (S291), the relay server 300a matches the encryption source of the phone number and the encryption source of the biometric information by the matching program, so that the execution of the App-type mobile digital card is authenticated. Execution preparation completion guide step that can be (S292);

After the execution preparation completion guidance step (S292), the relay server 300a may provide a final approval confirmation request step (S293) in which the issuer of the App-type mobile digital card finally requests a transfer/payment;

a transfer/payment completion notification step (S294) of notifying that the transfer/payment has been completed after the final approval confirmation request step (S293);

It consists of a method of using an App-type mobile digital card by biometric authentication linked to a phone number, characterized in that it consists of

Although not shown in the drawings, a method of matching atomic/quantum random numbers to biometric information will be described.

When the relay server 300a is executing the phone number input screen providing step (S140) of inputting a phone number on the display screen of the App-type mobile digital card issuer, or the relay server 300a is the App In case the issuer of the (App) type mobile digital card is executing the biometric information input screen providing step (S160) of inputting biometric information on the display unit screen so that the issuer of the (App) type mobile digital card can register the App type mobile digital code as the biometric information (At this time, if there is no fingerprint reader in the smart phone in hand, a USB is installed) A step (S120a) of determining whether to generate a random number in the smart phone or the USB quantum random number generating device is performed.

After the quantum random number generation step (S120a), a step (S120b) of determining whether to match the quantum random number with a fingerprint or/and finger vein algorithm is performed.

After the quantum random number matching step (S120b), a fingerprint/finger vein authentication information input confirmation step (S120c) of determining whether fingerprint/finger vein authentication information has been input to match the quantum random number so that the transaction can be made is performed.

At this time, biometric authentication of the transfer/payer is requested by fingerprint or/and finger vein information authentication means for personal authentication, and the fingerprint and/or finger vein information is the presence or absence of a fingerprint or/and finger vein image pattern of each pixel. Consists of binary data determined according to, wherein the fingerprint or / and finger vein information authentication determination step (S120d) for determining whether fingerprint or / and finger vein information authentication has been made.

11 is an internal electronic configuration example of a fingerprint or/and finger vein imaging authentication device according to a preferred embodiment of the present invention.

The integrated photographic authentication device includes an infrared light source unit 1240, a finger vein image sensor 1230, a finger fingerprint image sensor 1220, a digital conversion unit 1290, a decryption algorithm unit 1260, a biometric information data storage unit 1270 and a display unit. (1280).

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 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 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 and one visible light source unit 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 and visible light source units are installed in the object receiving unit 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 1230 and 1231 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 1230 acquires a finger vein image of a fingerprint surface and a side of a single finger object.

As shown in Figs. 12 (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 the part of the finger vein between the knuckles, 1b denotes the knuckle of the finger, and 1c denotes the fingerprint part.

When taking a front image of a finger object, place the fingertip surface of the finger so that it touches the scan panel, and depending on the number of finger vein image sensors, when taking a side image, place the finger so that the side touches the scan panel at 90 degrees to the side. . The shooting order of the fingerprint surface and the side of the finger can 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 .

In addition, the user's biometric information stored in advance is stored in the biometric data 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 obtains the user's data stored in the biometric data storage 1270 and determines whether or not 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. Edge 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 dim edges as noise and classify them as weak edges. . And finally, we delete the weak edges, leave only the clear edges, and finally output 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.

13 is a view showing an input/output integrated module that interlocks an algorithm of a fingerprint and a finger vein, FIG. 14 is a flowchart for requesting registration of a fingerprint and a finger vein, and FIG. 15 is a flowchart for requesting authentication for a fingerprint and a finger vein. , Figure 16 is a flowchart for requesting deletion of fingerprints and finger veins.

As shown in FIG. 13 , the input/output integrated module U1 for linking the algorithm of the fingerprint and the finger vein 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 the reference of the (-) voltage circuit, and serves as a 0V grounding function, and the RX line 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, and if there is a person with the same fingerprint image, the registered authentication code of the person is output through serial communication (here, 232 communication is applied as an example).

Here, 232 communication refers to the serial communication standard.

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

GND line 1 of the finger vein module (U3) is the reference of the (-) voltage, and serves as a 0V grounding function. 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 it 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.

Line 1 of GND on the left side of the conversion module (U4) serves as a 0V grounding function as a reference of (-) voltage, 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 functions to transmit 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.

D1/TX line 1 of the integrated module (U1) is a serial 232 communication transmission port, which transmits data to the computer, and the D0/RX line 2 is a serial 232 communication reception port, which 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, and line 11 of D8 is the serial 232 communication transmission port of the 485-232 communication conversion module (U4). The function to control the MAC module (U3), D9 line 12 is the 485 communication control port of the 485-232 communication conversion module (U4), and controls the transmission/reception status of the 485 communication module, 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 to read the status of the finger vein module (U3), 5V line 27 is a positive 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 0V grounding function as the (-) voltage reference, and the VIN line 30 serves as a (+) voltage reference and a +5V voltage input function. , The configuration as described above includes a fingerprint authentication code output from the fingerprint module U2 (a customer's unique number with a registered fingerprint), and a finger vein authentication code output from the finger vein module U3 (the customer's registered low vein). unique number) is converted into 232 communication by 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 through 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 recognizer or bank.

First, as shown in FIGS. 14 to 16 , 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 be registered (S312).

Next, after the first registration in 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).

Next, 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 when all three scan images do not match, and when 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 from the fingerprint and finger vein recognizers (S321).

The fingerprint and finger vein recognition device scans the fingerprint and the finger vein image (S322).

Compare the scanned images of the fingerprint and the finger vein with the finger of a registered person in the fingerprint and finger vein recognizer (S323).

It is determined whether the images scanned by the recognizer of the fingerprint and the finger veins match (S324).

As described above, if the scanned images of the fingerprint and the finger vein recognizer do not all match, it starts again, and if they all match, the authentication is completed (S325).

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 recognizer (S331).

Inputs the code of the party to be deleted to the fingerprint and finger vein recognizer (S332).

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

If the image scanned by the fingerprint and finger vein recognizer is not deleted, it restarts, and if it is deleted, the authentication is completed (S334).

As described above, if the self-storage recognizer for fingerprints and finger veins or a method of registration, authentication and deletion in the bank is operated, the recognition of fingerprints and finger veins is further increased, and the operation thereof is simplified.

Next, the fingerprint and finger vein authentication processing unit 1180 that can be commonly applied to the smart phone and mouse or the 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.

17 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.

17, the fingerprint and finger vein authentication processing unit 1180 formed in the biometric authentication integrated terminal 1000 has a contact-type fingerprint scanning module 2310 formed toward the upper side, and a finger photographing groove 2410 is formed at the lower side. The formed finger vein authentication device 2100 is formed, and here is an invention that performs fingerprint and finger 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 upper and lower light shape, and a side groove border 2200 is formed 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.

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

Furthermore, the finger rest glass plate may be manufactured to be formed in the front portion of the image sensor 2510a and the infrared ray emitting unit 2520a adjacent to each other 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 activated 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, a wide range of finger veins can be recognized 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 an algorithm for recognizing a fingerprint applied to the conversion device of the present invention.

18 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. 19 is a block showing the configuration of a single chip fingerprint recognition device according to the second invention. , FIG. 20 is a block diagram showing a single-chip implementation example of a fingerprint recognition device according to the second invention, and FIG. 21 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 that acquires 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 recognition sensor may be configured to include at least a part of the processor. For example, the fingerprint recognition sensor may include operations such as correcting a fingerprint image or calculating characteristics of a fingerprint image in addition to an operation of acquiring a fingerprint image. In this case, the fingerprint recognition sensor may be a functional module having a hardware module and a software module.

In a 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, location, 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 performing the above-described function. valley) by converting the difference in capacitance according to the height difference into a voltage to detect a fingerprint image and output it as an electric 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 is configured to determine or recognize the user of the detected fingerprint by comparing the extracted features with pre-stored fingerprint data.

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 storing a plurality of fingerprint images and a fingerprint recognition algorithm, and performing the algorithm stored in the memory unit. It may be made of a microprocessor (MCU) that performs the detected identity authentication or discrimination 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 use in various fields due to the volume and high price, the second invention of the related art implements a fingerprint sensor side and a digital processing circuit for recognizing a 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.

19 is a block diagram of a conventional fingerprint recognition device according to the second invention. 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 by contacting the bottom surface of the user's finger. The sensors 310 to detect and the algorithm stored in the flash memory 340 are executed, the electrical 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 that is directly connected to the microprocessor 320 and stores 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 the respective 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.

FIG. 20 shows an implementation example of the conventional fingerprint recognition device of the 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 previously registered fingerprint image or The detected fingerprint image is stored. In addition, the cache memory 430 is a memory having a smaller capacity and 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 plates that output the capacitance generated between the contacted skin, that is, the skin of the touched 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

21 shows a technique for comparing and judging fingerprints using feature points of a fingerprint, disclosed in Korean Patent Laid-Open No. 10-2015-0034832.

That is, referring to the drawing, the fingerprint image mapping unit may acquire 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 of the user's finger. 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. 21 is the characteristic of the fingerprint image corresponding to the first region 851 of 850 of FIG. 19 . It can be mapped as information.

In addition, feature information 822 of the fingerprint image 823 corresponding to one area 821 of the fingerprint image of 810 of FIG. 21 is characteristic information of the fingerprint image corresponding to the second area 852 in 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. 21 is characteristic information of the fingerprint image corresponding to the third region 853 of 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. 21 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 to 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 with priority.

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 comes into contact, 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 receiving device is connected in the order of performing the step of restoring the converted DTMF signal to the arrangement of the DTMF signal transmitted by the user, and overlapping technical descriptions will be omitted.

Next, the algorithm of finger veins applied to the converter of the present invention will be described.

22 is a flowchart illustrating an operation process of the biometric security device according to an embodiment of the present invention, and FIG. 23 is a diagram illustrating the setting of a reference point of an effective site during capillary imaging, FIG. 24 is a diagram illustrating the image segmentation and binarization process of the preprocessor.

In Korean Patent Application Laid-Open No. 2003-0010977, when a finger is inserted, the light generating unit 15 of the image acquisition unit 10 emits infrared, laser, or halogen light to the finger, and uses the solid-state image sensor 11 to approximately use 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 an optical sensor using a light emitting and 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. 23, hold the center of the nail as the central point, draw a straight line from the center point to the same angle and spacing as the boundary lines, and draw a horizontal line so that it is perpendicular to the boundary line on both sides at the nail boundary. The part of the boundary line becomes the reference point (A, B) for normalization. Accordingly, 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 acquired through a smoothing process that removes noise corresponding to the epidermal image or scattered light in the effective site, the capillary image is binarized into digital data, and 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 image processing using pattern matching of blood vessels (S15, S16) and image processing using feature points (S17) , S18) are performed separately.

In the image processing process using the pattern matching, 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 recognized by performing binarization for each block. It is output to the control unit (S16).

On the other hand, the image processing process using feature points analyzes the binarized and thinned capillary image 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 through the blood vessel constantly changes with time, the average brightness value is obtained by analyzing a plurality of consecutive blood vessel images. can be easily inferred.

Next, the recognition control unit uses the blood vessel pattern-related binarized data obtained through the feature extraction unit to directly match and compare various capillary pattern data recorded in the database to first detect a plurality of comparison data within the tolerance range (S19) ), the extracted feature points and their feature values and the feature points and feature values of a plurality of comparison data detected primarily are compared to each other 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.

Therefore, 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 receiver 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 receive 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 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 time difference, that is, fingerprint and finger vein information In the case of fusion, the signal is transmitted by the fused authentication code.

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

25 is an external view of a finger vein pattern input device according to an embodiment of the related art applied to the present invention, and FIG. 26 is a cross-sectional view of FIG. 25 applied to the present invention.

The configuration of the finger vein pattern input device 100 will be described using FIGS. 25 and 26 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 disposed 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 lens 3 and a camera module 4 having a CCD and a mirror is provided in the center of the body 10 . The optical axis refracting unit 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 support 11 , and an imaging window 7 is provided in the imaging opening 6 . As for the imaging window 7, a smoke-like material in which the 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 contact 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 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 reject rate, failure to enroll rate, and authentication time, compared to the above biometric technology. Mac authentication technology is known.

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

27 is a diagram of a smartphone conceptually illustrating a fingerprint image acquisition mechanism of an authentication device using a vertical style USB according to the present invention.

As shown in FIG. 27 , the present invention is composed of a USB 1000 detachable from a smart phone (or computer) 300 and 400 , and the USB 1000 is a USB coupling unit 1001 connected to a smart phone. It is formed on the virtual upper side (this is also possible with a connection line), and a financial transaction status indicator 700 for displaying the financial transaction status is formed on the front of the USB 1000, and a detachable type that is linked to a customer terminal on one side of the USB 1000 The fingerprint / finger vein authentication means (300a) of the contact type fingerprint scanning module 2310 is formed.

Unexplained code 710a is a red authentication signal lamp displayed when USB is connected to a smart phone, and 710b is a red authentication signal lamp displayed when authentication is performed with a fingerprint in a financial transaction.

28 is a diagram conceptually illustrating an image acquisition mechanism of a finger vein and a finger fingerprint of the authentication device according to an embodiment of the present invention.

As shown in FIG. 28, the present invention is composed of a USB 1000 detachable from a smart phone (or computer) 300 and 400, and the USB 1000 is a USB coupling unit 1001 connected to the smart phone. It is formed on the virtual upper side (this is also possible with a connection line), and a virtual currency transaction status indicator 700 for displaying the virtual currency transaction status is formed on the front of the USB 1000, and a donor terminal 300 is formed on one side of the USB 1000. ) and the detachable fingerprint/finger vein authentication means 300a and 400a interlocked with the recipient terminal 400 are provided with a contact fingerprint scanning module 2310 and a finger photographing groove 2410.

29 is a diagram of a smart phone conceptually illustrating a fingerprint and finger vein image acquisition mechanism of the authentication device using the USB of the present invention according to FIGS. 25 and 26, and FIG. 30 is the USB of the present invention according to FIGS. 25 and 26 It is a diagram of a smartphone conceptually illustrating the fingerprint image acquisition mechanism of the authentication device used, and FIG. 31 is a smartphone conceptually illustrating the finger vein image acquisition mechanism of the authentication device using the USB according to FIGS. 25 and 26 according to the present invention. It is a drawing.

29 is a diagram of a smart phone conceptually illustrating a fingerprint and finger vein image acquisition mechanism of the authentication device using USB of the present invention according to FIGS. 25 and 26, and is detachable from the smart phone (or computer) 300 or 400. It is composed of a USB 1000 that is used, and the USB 1000 has a USB coupling unit 1001 connected to a smart phone formed on the upper side (this is also possible with a connection line), and is virtual on the front of the USB 1000 . A virtual currency transaction status indicator 700 for displaying the currency transaction status is formed, and a virtual currency transaction status selection switch 700a is formed on one side thereof, and the donor terminal 300 and the donor terminal 400 are formed on the back side thereof. A contact-type fingerprint scanning module 2310 and a finger photographing groove 2410 are formed in the removable fingerprint/finger vein authentication means 300a and 400a interlocked with the .

30 is a diagram of a smart phone conceptually illustrating a fingerprint image acquisition mechanism of the authentication device using a USB according to the present invention according to FIGS. 25 and 26, and is a USB ( 1000), and the USB 1000 has a USB coupling unit 1001 connected to a smart phone formed on the upper side (this is also possible with a connection line), and the virtual currency transaction status on the front of the USB 1000 A virtual currency transaction status indicator 700 that displays A contact-type fingerprint scanning module 2310 of the removable fingerprint reader 300a is formed.

31 is a diagram of a smart phone conceptually illustrating an image acquisition mechanism of a finger vein of an authentication device using a USB of the present invention according to FIGS. (1000), the USB 1000 has a USB coupling part 1001 connected to a smart phone formed on the upper side (this is also possible with a connection line), and virtual currency transaction on the front side of the USB 1000 A virtual currency transaction status indicator 700 for displaying the current status is formed, and a virtual currency transaction status selection switch 700a is formed on one side thereof, and it is linked to the donor terminal 300 and the donor terminal 400 on one side. A finger vein finger photographing groove 2410 of the removable finger vein recognizer 400a is formed.

And, Figure 32 is a schematic diagram of a device matched with finger vein information in which a security chip of quantum quantum random number is formed using a digital virtual currency transaction system having a block chain between parties using USB as an embodiment of the present invention, FIG. 33 is a schematic diagram of a device matched with fingerprint information in which a security chip of a quantum quantum random number is formed using a digital virtual currency transaction system having a block chain between parties using USB as an embodiment of the present invention.

As shown in the figure, the present invention is configured horizontally or vertically as a USB 1000 detachable from a smart phone (or computer) 300 or 400, and the USB 1000 is a USB combination connected to a smart phone. The unit 1001 is formed on the upper side (this can be done wirelessly or with a connection line), and a virtual currency transaction status indicator 700 for displaying the virtual currency transaction status is formed on the front of the USB 1000, and the A contact-type fingerprint scanning module 2310 and a finger photographing groove 2410 are formed on one side of the donor terminal 300 and the removable fingerprint/finger vein authentication means (300a) (400a) interlocked with the donor terminal 400, , a quantum quantum random number development security chip 900, which is a quantum random number issuing device, is formed inside the USB to generate quantum random numbers.

Although the fingerprint and finger vein authentication devices are separately illustrated in FIGS. 32 and 33, the concept of designing them in front or behind or at the same time can be understood by those skilled in the art.

The following describes the transaction method of virtual currency that uses atomic random numbers to match fingerprint/finger vein information as a security measure.

34 is a block diagram showing an atomic random number matching device with fingerprint/finger vein information according to the present invention.

In the present invention, as shown in FIG. 34 , the encrypted random number encryption source 316d provided from the random number 315d generated by the atomic random number generator 900 linked to the general matching program 340a is converted into 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 the transmission and authentication It becomes a basic unit so that it can be traded.

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

The following describes a cryptocurrency transaction method that uses quantum quantum random numbers to match fingerprint/finger vein information as a security measure.

35 is a block diagram showing a conversion device in which a quantum random number of the present invention is matched with fingerprint/finger vein information.

As shown in FIG. 35, in the present invention, the encrypted random number encryption source 316d provided from the random number 315d generated by the quantum random number generator 900 linked to the general matching program 340a is combined with 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 the transmission and authentication It becomes a basic unit so that it can be traded.

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

As described above, according to the processing method of a convergence mobile digital card using fingerprint and finger vein recognition according to an embodiment of the present invention, the fingerprint and/or finger vein data is loaded on the mobile, and the user's fingerprint or / And it is effective to increase the security and reliability of the authenticity check of the mobile digital card user when performing operations such as cash withdrawal or card payment by making it unusable unless it is read and read the finger veins, and , when double security is required, it reduces the false recognition rate of fingerprints by simultaneously authenticating fingerprints and/or finger veins, which can significantly improve the fingerprint misrecognition rate, and can easily recognize human body information about finger veins with just one finger. Therefore, there is an effect that can create a security effect that can replace public certificates and the like.

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.

100a: customer terminal
1010: control unit
1020: communication module
1030: biometric authentication module
1040: display unit
1050: USIM
1060: matching/algorithm unit
1070: Biometric data D/B
1080: Atomic random number generator
1090: quantum random number generator
1091: encryption/decryption processor
1092: phone number authentication processor
1093: fingerprint recognition device interface
1094: camera operation module

Claims (5)

An App-type mobile digital card in which the customer terminal 100a accesses the financial transaction relay system 1000a through a communication network to the relay server 300a, and issues an App-type mobile digital card while subscribing as a member issuance step (S110);
After the App-type mobile digital card issuance step (S110), the relay server 300a enters member information to input basic personal information as member information on the display screen of the App-type mobile digital card issuer screen providing step (S120);
After the member information input screen providing step (S120) is provided, the relay server 300a requests whether the issuer of the App-type mobile digital card registers the App-type mobile digital code with a phone number. Phone number mobile digital code registration request step (S130);
After the phone number mobile digital code registration request step (S130), the relay server 300a provides a phone number input screen providing step (S140) of inputting a phone number to the display unit screen of the App-type mobile digital card issuer. ;
After the phone number input screen providing step (S140), the relay server 300a requests whether the issuer of the App-type mobile digital card registers the App-type mobile digital code as biometric information. Information mobile digital code registration request step (S150);
After the biometric information mobile digital code registration request step (S150), the relay server 300a displays so that the issuer of the App-type mobile digital card can register the App-type mobile digital code as biometric information. A biometric information input screen providing step of inputting biometric information to the sub screen (S160);
After the biometric information input screen providing step (S160), the biometric information mobile digital code registration step (S170) in which biometric information is input in the input device of the customer terminal (100a);
After the biometric information mobile digital code registration step (S170), the relay server 300a registers the biometric information by matching the encryption source of the phone number with the encryption source of the biometric information by a matching program, and guides the registration completion Biometric information registration completion guide step (S180);
After the biometric information registration completion guide step (S180), the relay server 300a stores the biometric information mobile digital code, a biometric information mobile digital code storage step (S190);
After the biometric information mobile digital code storage step (S190), the biometric information mobile digital code completion guide step (S191) of completing and notifying the App-type mobile digital code storage;
A method of generating an App-type mobile digital card by biometric authentication linked to a phone number, characterized in that consisting of
An App-type mobile digital card in which the customer terminal 100a accesses the financial transaction relay system 1000a through a communication network to the relay server 300a and uses the App-type mobile digital card registered as a member use step (S210);
After the App-type mobile digital card use step (S210), the relay server 300a displays a phone number input screen for entering a phone number on the display screen of the App-type mobile digital card issuer. providing a phone number input screen to provide (S220);
After the phone number input screen providing step (S220) is provided, the relay server 300a allows the issuer of the App-type mobile digital card to be matched with the biometric information of the App-type mobile digital code as a phone number. a phone number input step (S230) of first inputting a phone number so that the user can;
When the phone number input step (S230) is completed, the relay server 300a provides a transfer/payment screen for financial transactions on the display screen of the App-type mobile digital card issuer. Payment screen providing step (S240);
After the transfer/payment screen providing step (S240), the relay server 300a includes a bank selection step (S250) of allowing the issuer of the App-type mobile digital card to select a bank;
After the bank selection step (S250), the relay server 300a includes a bank account number input step (S260) for allowing the issuer of the App-type mobile digital card to input the bank passbook account number;
After the bank passbook account number input step (S260), the relay server 300a includes a transfer/payment amount input step (S270) for the issuer of the App-type mobile digital card to input the transfer/payment amount;
After the transfer/payment amount input step (S270), the relay server 300a performs a transfer/payment request step (S290) of requesting that the issuer of the App-type mobile digital card transfer/pay;
After the transfer/payment request step (S290), the relay server 300a requests that the issuer of the App-type mobile digital card be matched with the phone number on the App-type mobile digital code as biometric information. a biometric information input request step (S291);
After the biometric information input request step (S291), the relay server 300a matches the encryption source of the phone number and the encryption source of the biometric information by the matching program, so that the execution of the App-type mobile digital card is authenticated. Execution preparation completion guidance step that can be (S292);
After the execution preparation completion guidance step (S292), the relay server 300a may provide a final approval confirmation request step (S293) in which the issuer of the App-type mobile digital card finally requests a transfer/payment;
a transfer/payment completion notification step (S294) of notifying that the transfer/payment has been completed after the final approval confirmation request step (S293);
A method of using an App-type mobile digital card by biometric authentication linked to a phone number, characterized in that it consists of.
The method of claim 1,
On one side of the App-type mobile digital card, the photo information stored in the customer terminal 100a is displayed by the camera operation module 1094. App-type by biometric authentication linked to a phone number How to create a mobile digital card.
The method of claim 1,
The biometric information is fingerprint/finger vein information, which is matched with an atomic random number or quantum random number generated by an atomic random number generator 1080 or a quantum random number generator 1090 by a matching/algorithm unit. A method of creating an App-type mobile digital card by biometric authentication in connection with
An App-type mobile digital card in which the customer terminal 100a accesses the financial transaction relay system 1000a through a communication network to the relay server 300a, and issues an App-type mobile digital card while subscribing as a member In the production method of
The mobile digital code of the App-type mobile digital card is an encrypted random number encryption source 316 provided from a random number 315 generated from a phone number associated with the general matching program 340a, 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 the basics of transmission and authentication A method of generating an App-type mobile digital card by biometric authentication linked to a phone number, characterized in that it can be transacted as a unit.

Images