KR200243491Y1 - Movable Data Processing System Having Bio-verification And Financial System Using the Same - Google Patents

Abstract

The present invention relates to a portable data processing system having a biometric authentication function and a financial transaction system using the same. The portable data processing device has a communication and data processing function that is carried by an individual, and the credit card information is stored in its own memory so that the credit card can be used. Card transactions using a processing system, biometric authentication means for inputting biometric data connected to the portable data processing system to prevent theft by other users, and credit card information stored in a memory of the portable data processing system. A portable data processing system having a plurality of biometric authentication functions including a first card information transmitting and receiving unit for transmitting and receiving data necessary for transmitting and receiving data; A second card information transmitting and receiving unit for transmitting and receiving data necessary for a credit card transaction in response to a first card information transmitting and receiving unit of the portable data processing system equipped with the biometric authentication means, and a credit card transmitted and received through the second card information transmitting and receiving unit; A plurality of credit card terminals that enable the transfer of signals containing information and credit card transactions; It consists of a credit card transaction system including a credit card processing system for receiving a signal containing the card information transmitted through the credit card terminal to process the credit card transaction.

Description

Portable Data Processing System Having Bio-verification And Financial System Using The Same

The present invention relates to a portable data processing system having a biometric authentication function and a financial transaction system using the same, and more particularly, to provide a biometric authentication means such as fingerprint identification in a mobile communication terminal and store credit card information to a credit card. The present invention relates to a portable data processing system having a biometric authentication function that can be used as a dual function and a financial transaction system using the same.

In general, in the case of a credit card, credit card information (card number, expiration date, etc.) is recorded on a magnetic stripe (MS) formed on one side of a plastic card, and a card transaction is performed by reading it through a card reader. There is a risk of theft due to a lost credit card, and there is a problem that the card cannot be used if the card information recorded in the MS is damaged.

The mobile communication terminal is a terminal for wirelessly transmitting and receiving data including voice, but is also used as a purchase means for purchasing a product using a telephone number as an ID.

By the way, in the simple method of purchasing a product using a telephone number as an ID, when a terminal is lost, it is used only for the purchase of goods in a very limited field because there is a risk of another person stealing.

Therefore, the present invention has been devised in view of the problems of the prior art, and its purpose is to store credit card information in a portable data processing system including a mobile communication terminal, and only a user controls the use of the portable data processing system. The main purpose of the present invention is to provide a portable data processing system having a biometric authentication function and a financial transaction system using the biometric authentication function which can eliminate the convenience of use and the possibility of theft due to loss by providing a biometric authentication means.

1 is a block diagram illustrating a portable data processing system having a biometric authentication function and a financial transaction system using the same according to the present invention.

Figure 2 is a block diagram illustrating the configuration of a mobile communication terminal equipped with a biometric authentication means and a credit card function in the present invention.

Figure 3 is a block diagram for explaining the configuration of the card terminal in the present invention.

Figure 4 is a photograph for explaining the configuration of a mobile communication terminal equipped with a fingerprint recognition means in the present invention.

5 is a flowchart illustrating a process of registering a user fingerprint in a mobile communication terminal according to the present invention.

6 is a flowchart illustrating a credit card transaction method using a portable data processing system equipped with a security means and a credit card function according to the present invention.

Explanation of symbols on the main parts of the drawings

10, 10a, 10b, 10c: mobile communication terminal 12: first control unit

13: transceiver 14: antenna

15 codec 16: microphone

17: speaker 18: ringer

19: first keypad 20: first display

21: first memory 22: first RF unit

23: fingerprint recognition unit 24: iris recognition unit

25: vein recognition unit 26: the first RF antenna

30, 30a, 30b, 30c: card terminal 31: second RF antenna

32: second control unit 33: second RF unit

34: communication unit 35: printer

36: second keypad 37: second display

38: second memory

In order to achieve the above object, the present invention is connected to the portable data processing system and a portable data processing system that can be used by the individual and carry the communication and data processing function, the credit card information is stored in its own memory and use the credit card; Biometric authentication means for inputting biometric data to prevent theft by other users, and a first card information transmission and reception unit for transmitting and receiving data for card transactions using credit card information stored in the memory of the portable data processing system A portable data processing system having a plurality of biometric authentication functions; A second card information transmitting and receiving unit for transmitting and receiving data necessary for a credit card transaction in response to a first card information transmitting and receiving unit of the portable data processing system equipped with the biometric authentication means, and a credit card transmitted and received through the second card information transmitting and receiving unit; A plurality of credit card terminals which enable the credit card transaction by issuing a message according to the information signal transmission and the credit card transaction; And a credit card transaction system including a credit card processing system for receiving a signal including card information transmitted through the plurality of credit card terminals, extracting card information, and processing a credit card transaction. Provided is a financial transaction system using a portable data processing system having an authentication function.

The portable data processing system is composed of any one selected from a mobile communication terminal, an IMT2000 terminal, and a personal data assistant (PDA). The portable data processing system detects damage and detects damage that automatically erases credit card information stored in a memory. The biometric means further comprises a fingerprint recognition means for recognizing a user's fingerprint, an iris recognition means for recognizing a user's iris, a vein recognition means for recognizing a user's vein, and a voiceprint recognition for recognizing a user's voice. The first and second card information transmitting / receiving units may include any one selected from an RF transceiver for transmitting and receiving an RF signal, an infrared transceiver for transmitting and receiving an infrared signal, and a laser transceiver for transmitting and receiving with a laser.

In addition, the present invention is a portable data processing system that can be used by the individual to carry the credit card information is stored in its own memory having a communication and data processing function portable; Biometric authentication means connected to the portable data processing system to input biometric data to prevent theft by another user; It provides a portable data processing system having a biometric authentication function comprising a card information transmitting and receiving unit for transmitting and receiving data for card transactions using credit card information stored in the memory of the portable data processing system.

The present invention provides a mobile communication terminal having a credit card function, comprising: a transceiver for transmitting and receiving data through an antenna; A display for displaying operation status and messages; A keypad combined with a number of digit keys for numeric input and a number of function keys for control; A microphone and a speaker for inputting and outputting voice for a phone call; Biometric authentication means for inputting a part of a user's living body to prevent theft by another user; A memory for storing information necessary for operating a mobile communication terminal, credit card information, and biometric data input through the biometric authentication means; A card information transmitting / receiving unit which transmits / receives data for card transaction using credit card information stored in the memory; In accordance with the user's instructions through the keypad, the voice signal input and output through the microphone and the speaker communicates with the counterpart terminal through the transceiver, and inputs biometric data through the biometric authentication means for the credit card transaction made by the user. And a control unit for controlling a credit card transaction through the card information transmitting and receiving unit by using the credit card information stored in the memory after checking the authenticity of the user. The terminal provides a terminal, and the biometric means is used as a means for checking the availability of the mobile communication terminal.

As described above, in the present invention, a part of a living body such as a fingerprint is used as a biometric authentication means and a function of transmitting / receiving credit card information to a mobile communication terminal or PDA that a person generally carries. In addition, it is possible to use a credit card without carrying a separate credit card, and to solve the risk of theft through biometric authentication means such as a fingerprint recognition means.

(Example)

Hereinafter, the present invention will be described in more detail with reference to the accompanying drawings in which preferred embodiments are shown.

1 is a block diagram illustrating a portable data processing system having a biometric authentication function and a credit card transaction system using the same, FIG. 2 is a biometric means and a credit card function according to the present invention. Figure 3 is a block diagram for explaining the configuration of the mobile communication terminal provided, Figure 3 is a block diagram for explaining the configuration of the card terminal in the present invention, Figure 4 illustrates the configuration of a mobile communication terminal with a fingerprint recognition means in the present invention 5 is a flowchart illustrating a process of registering a user fingerprint in a mobile communication terminal according to the present invention, and FIG. 6 is a credit card transaction using a portable data processing system equipped with a security means and a credit card function according to the present invention. A flowchart for explaining the method.

In the description of an embodiment of the present invention, the present invention is provided through a credit card transaction system using a mobile communication terminal 10 having a fingerprint recognition unit 23 for recognizing a user's fingerprint as a biometric authentication means. Explain.

The present invention is connected to a credit card processing system 35 installed in a credit card company or a bank through a VAN (Value Added Network) as shown in FIG. Credit card terminals 30a, 30b and 30c for processing credit card business and the mobile communication terminals 10a to 10c capable of processing credit card business in a one-to-one correspondence with the credit card terminals 30a to 30c. The credit card terminals 30a to 30c and the mobile communication terminals 10a to 10c transmit and receive data through radio signals.

The credit card processing system 35 is configured to include a VAN company connected to the VAN to perform credit card inquiry and transactions, and a server of a credit card company connected to the VAN company to process each credit card business. .

Herein, the digital credit card information stored in the memory 21 of the mobile communication terminals 10a to 10c is defined as 'first credit card information', and the first RF unit of the mobile communication terminals 10a to 10c ( 22) and the credit card information transmitted through the first RF antenna 26 or the VAN is a modulated signal form including the first credit card information, which is referred to as 'second credit card information' and the card reader. The data form at the time of reading is defined as 'third credit card information' and the present invention will be described.

In addition, the present invention describes a configuration that can be processed using the mobile communication terminal 10, mainly on the credit card transactions with respect to the credit card terminals (30a to 30c), but including credit cards and cash cards It includes everything from cash cards, wallets, and electronic money.

As shown in FIG. 2, the mobile communication terminal 10 includes a transceiver 13 for transmitting and receiving data through an antenna 14; A first display 20 for displaying an operation state and a message; A keypad 19 combined with a number of digit keys for numeric input and a number of function keys for control; A microphone 16 and a speaker 17 for inputting and outputting voice for a telephone call; A codec 15 for converting a voice signal input and output through the microphone 16 and the speaker 17 into an analog-digital signal; A fingerprint recognition unit 23 for recognizing and inputting a user's fingerprint; A memory 21 for storing information necessary for operating a mobile communication terminal, credit card information, and fingerprint data recognized and input through the fingerprint recognition unit 23; A first RF unit 22 which transmits / receives data necessary for a card transaction through the first RF antenna 26 by using credit card information stored in the memory 21; In response to a user's instruction through the keypad 19, a voice signal inputted and outputted through the microphone 16 and the speaker 17 is moved through the codec 15, the transceiver 13, and the antenna 14. After receiving the fingerprint data recognized through the fingerprint recognition unit 23 to communicate with a communication terminal and a credit card transaction made by the user, and verifying the authenticity of the user, the credit card information stored in the memory 21 is stored. A first control unit 12 transmitting and receiving through the first RF unit 22 to perform a credit card transaction; The ringer 18 is connected to the speaker 17 and the first control unit 12 to generate an incoming signal when called from another telephone caller.

4 illustrates an example of the mobile communication terminal 10 provided with the fingerprint recognition unit 23.

The mobile communication terminals 10 and 10a to 10c are used to prevent other users from stealing credit card information by disassembling the mobile communication terminals 10 and 10a to 10c. ) Is decomposed so that the credit card information and fingerprint data stored in the first memory 21 are automatically destroyed. To this end, a function of detecting decomposition is separately added to the first control unit 12 of the mobile communication terminals 10, 10a to 10c.

As shown in Fig. 3, the credit card terminals 30a to 30c are connected to the credit card processing system 35 through a VAN to communicate data with each other; A second keypad 36 comprising a plurality of function keys for allowing a user to select a function required for credit card business processing; A second display 37 for displaying a credit card work processing history by the user to the user; A printer 35 for printing and printing a transaction slip after credit card transaction processing; A second RF unit 33 for transmitting and receiving a radio signal with the mobile communication terminal 10 through a second RF unit antenna 31; When data necessary for credit card transaction is received from the mobile communication terminals 10, 10a to 10c through the second RF unit 33, the process of receiving and processing the input is displayed on the second display 37, A second control unit (32) for transmitting and receiving data through the communication unit (34) to a credit card processing system (35), and outputting a transaction result to the printer (35) after the transaction is finished; And a second memory 38 which provides a memory area necessary for the operation of the second control unit 32.

The first and second control units 12 and 32 are constituted by a microprocessor, and the printer 35 is constituted by a thermal transfer printer.

In the above description of the embodiments, a case in which a communication method between the mobile communication terminals 10a to 10c and the card terminals 30 and 30a to 30c is carried out using RF is described as an example. Can be transmitted and received using the first credit card information as a medium for transmitting.

Here, the card terminals 30, 30a to 30c are terminals for credit card payment or ATM terminals capable of cash withdrawal, and may be used as a means of payment for transportation.

In the above embodiment, the authenticity of the user's fingerprint is determined through the fingerprint recognition unit 23 as the biometric data input means. As shown in FIG. 2, the iris recognition unit 24 or the user's iris recognition unit recognizes the user's iris. The vein recognition unit 25 may recognize the vein, or the voiceprint recognition unit may recognize the voice of the user.

In addition, security for credit card transactions may be secured through a credit card transaction password input through the keypad 19 without providing a separate biometric data input means as described above.

Meanwhile, in order to perform a credit card transaction using a credit card transaction system using a credit card combined mobile communication terminal having a fingerprint recognition function configured as described above, the user's credit card information and a fingerprint on the user's mobile communication terminal 30. It is necessary to register (see FIG. 5).

To this end, the user requests a credit card issuance from the credit card company to be used (S 1), and the credit card company determines whether to issue a credit card by checking the credit status of the user who requested the credit card issuance (S 2). .

If the issuance of the credit card is determined, at the same time as the issuance of the credit card, information including the card information for using the credit card, that is, the card number and the expiration date of the card is transmitted to the user online (S 3).

When the user operates the keypad 19 to receive credit card information online from a credit card company, the controller 10 stores the received credit card information in the memory 21 and registers it (S 4).

Here, other users can receive the credit card information from the credit card company to receive it from the credit card company through a registration password that can be used only once when registering the mobile communication terminals 10, 10a to 10c. Preventing the theft and receipt of credit card information.

Then, the user's fingerprint is registered through the fingerprint recognition unit 23 (S 5), the fingerprint registration serves as a password of a credit card, and in some cases, mobile communication terminals 10, 10a to 10c. ) Can also be used as a password to prevent other users from being stolen.

The fingerprint registered in this way can be changed and updated according to the user's intention, and in practice, periodically updating the fingerprint can ensure the authenticity of the fingerprint data according to the minute change of the fingerprint, and update the fingerprint after confirming the authenticity of the input fingerprint. do.

When the credit card information and fingerprint data is registered in the mobile communication terminal 30 used by the user through the above process, preparation for credit card transaction is completed.

Then, for the credit card transaction in the state where the credit card transaction preparation is completed through the above preparation process is made as follows (see Figure 6).

For the credit card transaction, it is necessary to confirm whether the user of the mobile communication terminals 10, 10a to 10c owns the fingerprint data input through the above procedure.

To this end, the user recognizes the fingerprint through the fingerprint recognition unit 23 of the mobile communication terminals 10, 10a to 10c.

The first controller 12 checks whether the fingerprint recognized through the fingerprint recognition unit 23 matches the fingerprint data registered in step S5 (S 11), and if not, blocks the credit card transaction (S 11). 111, if they match, the first credit card information stored in the memory 21 is modulated into second credit card information using the first RF unit 22 to process a credit card transaction desired by the user. It transmits through the first RF antenna 26 (S 12).

At this time, a procedure for credit card transaction using the mobile communication terminals 10, 10a to 10c is operated through the keypad 19, and the processing and results thereof are performed by the user through the first display 20. Is displayed.

On the other hand, the second credit card information transmitted through the first RF unit 22 and the first RF antenna 26 of the mobile communication terminals 10, 10a to 10c is the second RF antenna of the card terminals 30, 30a to 30c. Received through the 31 and the second RF unit 33 (S 13), the second control unit 32 of the card terminal (30, 30a to 30c) is the second data via the communication unit 34 and VAN The information is transmitted to the credit card processing system 35 of the credit card company in the same form as the credit card information.

The credit card processing system 35 converts the received second credit card information into third credit card information (S 14), processes the desired card transaction by the user (S 15), and returns the result to the card terminal 30 ( 30a to 30c).

The second control unit 32 of the card terminals 30, 30a to 30c receives the processing result from the credit card processing system 35 through the communication unit 34 and issues a slip by using the printer 35 ( S16) to end the credit card transaction.

At this time, the credit card transaction details are issued as slips, and in some cases, the mobile communication terminals 10 and 10a to the processing results of the transaction details are communicated through the second RF unit 33 and the second RF antenna 31. 10c), and the data received through the first RF antenna 26 and the first RF unit 22 of the mobile communication terminals 10, 10a to 10c is transferred to the first memory 21 by the first control unit 12. Is stored as a transaction history, and is displayed on the first display 20 to facilitate user confirmation.

In the above description of the embodiment, a credit card transaction through the card terminals 30, 30a to 30c connected to the mobile communication terminals 10, 10a to 10c and the credit card processing system 35 via a VAN has been described as an example. Instead of the mobile communication terminals 10, 10a to 10c, biometric means such as credit card information and fingerprint recognition means, and control processing programs for credit card transactions can be added to PDAs and IMT2000 terminals as described above. have.

In addition, by using the first RF unit 22 and the first RF antenna 26, in addition to the card terminals 10, 10a to 10c, it can be applied to ATM terminals, subway fare calculators, bus fare calculators, and mobile communication terminals ( 10, 10a to 10c) or the online data transmission / reception function of a PDA, it can be extended to use for electronic commerce or internet banking.

The present invention made as described above does not carry a separate credit card by adding a function of transmitting and receiving fingerprint recognition means and credit card information as a means of confirming the uniqueness of a user to a mobile communication terminal or a PDA that a person generally carries. Credit card can be used even if the high security means, such as fingerprint identification means to reduce the risk of theft.

In addition, it is possible to implement electronic commerce and Internet banking by purchasing goods through a card terminal that can be used as an existing credit card, using an ATM terminal, bus and subway fare settlement, and online data processing.

In the above, the present invention has been illustrated and described with reference to specific preferred embodiments, but the present invention is not limited to the above-described embodiments and the general knowledge in the technical field to which the present invention belongs without departing from the spirit of the present invention. Various changes and modifications will be made by those who possess.

Claims (8)

A portable data processing system that can be carried by an individual, has a communication and data processing function, and credit card information is stored in its own memory so that a credit card can be used, and biometric authentication connected to the portable data processing system to prevent theft by other users. Portable with a plurality of biometric authentication functions including a biometric authentication means for inputting data and a first card information transmission and reception unit for transmitting and receiving data for card transactions using credit card information stored in a memory of the portable data processing system. A data processing system; A second card information transmitting and receiving unit for transmitting and receiving data necessary for a credit card transaction in response to a first card information transmitting and receiving unit of the portable data processing system equipped with the biometric authentication means, and a credit card transmitted and received through the second card information transmitting and receiving unit; A plurality of credit card terminals which enable the credit card transaction by issuing a message according to the information signal transmission and the credit card transaction; And a credit card transaction system including a credit card processing system for receiving a signal including card information transmitted through the plurality of credit card terminals, extracting card information, and processing a credit card transaction. Financial transaction system using portable data processing system with authentication function. The financial transaction system of claim 1, wherein the portable data processing system comprises at least one selected from a mobile communication terminal, an IMT2000 terminal, and a personal data assistant (PDA). . The portable data processing system of claim 1, wherein the portable data processing system further comprises a damage detector configured to detect damage and automatically erase credit card information stored in a memory. Financial trading system using the. The apparatus of claim 1, wherein the biometric authentication means comprises: fingerprint recognition means for recognizing a user's fingerprint, iris recognition means for recognizing a user's iris, vein recognition means for recognizing a user's vein, and voiceprint recognition means for recognizing a user's voice Financial transaction system using a portable data processing system having a biometric authentication, characterized in that configured to one selected from. The method of claim 1, wherein the first and second card information transmitting and receiving unit is configured to any one selected from the RF transceiver for transmitting and receiving an RF signal, an infrared transceiver for transmitting and receiving an infrared signal, a laser transceiver for transmitting and receiving by a laser. A financial transaction system using a portable data processing system having a biometric authentication function. A portable data processing system which is carried by an individual and has a communication and data processing function, and the credit card information is stored in its own memory so that the credit card can be used; Biometric authentication means connected to the portable data processing system to input biometric data to prevent theft by another user; And a card information transmitting / receiving unit which transmits and receives data necessary for a card transaction using credit card information stored in a memory of the portable data processing system. In a mobile communication terminal having a credit card function, A transceiver for transmitting and receiving data through an antenna; A display for displaying operation status and messages; A keypad combined with a number of digit keys for numeric input and a number of function keys for control; A microphone and a speaker for inputting and outputting voice for a phone call; Biometric authentication means for inputting a part of a user's living body to prevent theft by another user; A memory for storing information necessary for operating a mobile communication terminal, credit card information, and biometric data input through the biometric authentication means; A card information transmitting / receiving unit which transmits / receives data for card transaction using credit card information stored in the memory; In accordance with the user's instructions through the keypad, the voice signal input and output through the microphone and the speaker communicates with the counterpart terminal through the transceiver, and inputs biometric data through the biometric authentication means for the credit card transaction made by the user. And a control unit for controlling a credit card transaction through the card information transmitting and receiving unit by using the credit card information stored in the memory after checking the authenticity of the user. terminal. The mobile terminal as claimed in claim 7, wherein the biometric means is used as a means for checking the availability of the mobile communication terminal.