KR20040067472A - Method of security for money card using finger print acknowledge and system thereof - Google Patents

Abstract

PURPOSE: A method and a system for securing a banking card using the fingerprint recognition are provided to fundamentally prevent an unlawful holder from using the card by impersonating a lawful user. CONSTITUTION: A fingerprint input banking card(100) is equipped with a fingerprint input section for making a customer input a fingerprint. The bank branches(200/1-200/n) are equipped with a fingerprint inputting device(210) for inputting the fingerprint when the customer applies the fingerprint input banking card, a fingerprint reader(220) providing a banking service to the customer after an authentication procedure by searching the fingerprint and a password inputted from the customer when the customer inserts the banking card, and a terminal(230) connected to the fingerprint inputting device and the fingerprint reader. A main computer(310) is connected to the terminals of the branches through a communication network. A database(320) stores the fingerprint and the password inputted from the customer by linking with the main computer.

Description

Financial card security method and system using fingerprint recognition {METHOD OF SECURITY FOR MONEY CARD USING FINGER PRINT ACKNOWLEDGE AND SYSTEM THEREOF}

The present invention relates to a financial card security method and system using fingerprint recognition, and in particular, by using the user's fingerprint when using the credit card, the fingerprint to allow the use of the card after confirming the identity of the credit card user It relates to a financial card security method and system using the recognition.

Most modern people have more than one financial card such as credit card, debit card or cash card. In this case, the credit card is used in place of cash when the card holder purchases any goods or services, and the amount used is settled through the payment account of the card on the designated date. That is, the credit purchase is made. In addition, the debit card holder may execute a cash purchase for goods and the like when a balance remains in the payment account of the debit card. In addition, the cash card holder can withdraw cash or checks using the automated equipment of the bank. Therefore, for the use of a credit card or the like, it is very important to confirm whether the user of the card is a true owner.

The most common and traditional way of verifying the authenticity of a user, such as a credit card, is to visually verify the signature by signing the cardholder's signature in the signature field of the card and signing the account slip each time it is used.

However, there is a limit to verifying the authenticity of the card user only by signing such a credit card. In particular, since a corporate credit card does not absolutely require a signature, it is very difficult to confirm whether or not it is used by a person having legitimate authority.

In order to solve this problem, as a countermeasure against fraudulent use of credit cards and debit cards, a method of printing a cardholder's photo on the surface of the card or requiring the user to input a password every time the card is used has been adopted.

In any of the above cases, the illegal use of credit or debit cards, such as theft, loss, or hacking, from the time of the accident until the cardholder confirms this fact and the request for the prohibition of the use of the card is prohibited. Unless the affiliate pays special attention, it is difficult to eradicate it, and in order to compensate for such damages, the credit card companies subscribe to the payment insurance through a business alliance with the insurance company to share the enormous expenses. In addition, in practice, credit card affiliates do not place a great emphasis on identity verification for card users in consideration of the inconvenience to the customers using their stores.

In addition, in the verification method of the user through the input and input of the sign or password, anyone can easily forge the signature, and anyone who knows the password can use it, which greatly reduces the confidentiality and security according to the user confirmation. For example, as the use of credit cards increases, cases of loss and theft increase.

In addition, by using a lost or stolen card, a duplicate card, or by forcing the owner of the card to take over the card and get a password, others can use the card, but it is not possible to control it at the source. There was no.

In addition, due to the illegal use of lost and stolen cards, the loss of not only card users but also credit card merchants and card companies is a real burden. In the card company, each user uses a credit card through a merchant or an ATM. Each time used, all the documents generated should be collected and processed and then stored, resulting in a loss of time and economics.

An object of the present invention has been made to solve the above problems, fingerprints that can prevent a fraudulent acquirer to use the card by impersonating the person in connection with the loss and theft of the credit card or hacking of the card information by malicious To provide a credit card security method and system using the recognition.

In addition, another object of the present invention is to take the fingerprint information given the designated number registered when applying for the financial card when the financial card user uses the financial card, and then put it in the card reader and press the designated number, The present invention provides a credit card security method using a fingerprint recognition method and system for discriminating whether a card user is identified by whether a designated number and fingerprint information match.

1 is a block diagram of a financial card security system using fingerprint recognition according to the present invention

Figure 2a and Figure 2b is a perspective view showing a financial card for fingerprint input according to the present invention

3a and 3b is a perspective view showing another fingerprint input financial card according to the present invention

Figure 4 is a flow chart showing the process of issuing a fingerprint card for fingerprint input according to the present invention

5 is a flowchart illustrating a process of using a financial card for fingerprint input according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100, 110, 120: Financial card for fingerprint input 111, 121: Character area

112, 122: real owner identification area

113, 123: fingerprint input area

114, 124: variable magnetic region portion

115, 125: signature area 200 / 1-200 / n: bank branch

210: fingerprint input device 220: card reader

230: terminal 300: bank head office

310: main computer 320: database (DB)

400: public network or Internet network

Credit card security method using fingerprint recognition according to the present invention for achieving the above object,

Applying a financial card for fingerprint input to a bank by a customer;

Inquiring the credit of the customer in the bank, if there is no error, causing the customer to write a financial card application for fingerprint input, and if there is an error, stopping issuing a card to the customer;

Creating a designated number for a fingerprint to be input when the bank prepares the financial card application for fingerprint input by the bank;

Inputting a fingerprint corresponding to the designated number and registering the fingerprint with the designated number in a database of a bank main office; And

And issuing the fingerprint card for the fingerprint input to the customer.

The at least one designation number and a fingerprint may be input.

The fingerprint input financial card is characterized in that a fingerprint input area for inputting a fingerprint is formed.

The fingerprint input area may be configured as a memory.

Financial card security method using the fingerprint recognition according to the present invention for achieving the above object,

Inputting a fingerprint corresponding to a designated number into a fingerprint input region of a fingerprint input financial card;

Inserting the fingerprint input financial card into which the fingerprint is input to a card reader;

Inputting, by the customer, a designated number by a request for inputting a designated number of the card recognizer;

After reading the designated number entered by the customer in the card reader and the fingerprint inputted to the financial card for fingerprint input, the fingerprint reader and the designated number for the customer of the fingerprint input financial card stored in the database of the bank head office are retrieved and matched. Comparing whether; And

And providing a financial service to a user of the fingerprint input financial card if the fingerprint and the designated number match, and controlling the user not to use the financial card for fingerprint input.

The fingerprint of the customer entered in the fingerprint input region of the fingerprint input financial card is automatically deleted after a certain time.

Financial card security system using fingerprint recognition according to the present invention for achieving the above object,

A fingerprint input financial card having a fingerprint input area for a customer to input a fingerprint;

The fingerprint inputter inputs a fingerprint when the customer applies for the fingerprint input financial card, and searches for the fingerprint and a designated number input by the customer when the fingerprint input financial card is inserted, and then passes the credit authentication process to the customer. A plurality of bank branches having a card reader providing a service and a terminal connected to the fingerprint input device and the card reader; And

And a main computer connected to the terminals provided at the plurality of bank branches through a communication network, and a main bank having a database operating in association with the main computer and storing a fingerprint and a designated number input by the customer. It features.

The fingerprint input financial card may include a fingerprint input area unit for inputting a fingerprint of the customer by contacting a predetermined area of any one of front and rear surfaces.

The fingerprint input financial card may further include a real owner checking area unit in which a picture of a real owner is printed.

The fingerprint input area portion is made of an elastic material of rubber material so that fingerprint marks remain well when the customer takes a fingerprint.

The fingerprint input area portion may be formed of a memory device.

The memory device may be any one of a RAM, a ROM, and a FLASH memory.

Hereinafter, with reference to the accompanying drawings will be described in detail an embodiment of the present invention.

1 is a block diagram of a financial card security system using fingerprint recognition according to the present invention.

The financial card security system using the fingerprint recognition, as shown in Figure 1, a plurality of banks having a financial card 100 for fingerprint input, fingerprint input device 210, card reader 220, terminal 230 The bank main office 300 having a branch 200 / n, a main computer 310, and a database (DB) 320, the terminals 230 of the bank branch 200 and the bank main branch 300 The main computer 310 is configured to include a public line network or the Internet network 400 to connect to enable data communication.

The fingerprint input financial card 100 may include a fingerprint corresponding to a designated number determined when a financial card user uses the fingerprint input financial card 100 (FIG. 2a or 123 of FIG. 3b, and inserting the same into the card recognizer 220, the card recognizer 220 searches whether the designated number matches the fingerprint and the user of the fingerprint input financial card 100 It is a financial card to verify your identity. In this case, the configuration of the fingerprint input financial card 100 will be described in detail with reference to FIGS. 2 and 3.

The fingerprint input unit 210 provided in the bank branch 200 / n is a device for inputting the fingerprint of the customer when the customer applies for the financial card 100 for fingerprint input. At this time, when the customer inputs a fingerprint, the customer first sets a designation number for the finger to be inputted, and then inputs the fingerprint of the finger corresponding to the designation number together with the designation number.

For example, if the customer has assigned a designation number '1' to his or her right hand thumb, the fingerprint of the right hand thumb is entered along with the designation number '1'.

Here, the reason why the customer inputs the designated number together with the fingerprint input is that the designated user and the fingerprint inputted by the card user apply for the fingerprint input financial card 100 when the fingerprint input financial card 100 is used. This is to enable the use of the fingerprint input financial card 100 only when the designated number and fingerprint match.

The fingerprint and the designated number of the customer input through the fingerprint inputter 210 are stored in the database 320 of the bank headquarter 300 through the public wire network or the internet network 400.

The card recognizer 220, when the customer enters the fingerprint input financial card 100, the fingerprint and the designated number stamped on the fingerprint input financial card 100 is the database 320 of the bank headquarters 300 Search if it matches the fingerprint and designated number stored in. As a result, if a match is provided, a financial service is provided to a customer using the fingerprint input financial card 100, and if it is not matched, the financial service is controlled.

The terminal 230 is a computer that manages and supports the fingerprint inputter 210 and the card reader 220 to operate smoothly. The bank main office 300 is provided through the public or internet network 400. Is connected to the main computer 310.

The main computer 310 provided in the bank main office 300 operates in conjunction with the database 320, and the fingerprint and the designated number of the customer entered through the terminal 230 of the bank branch 200 / n. Control to store in the database 320, and reads the fingerprint and the designated number for the customer stored in the database 320 and transmits it to the terminal 230 of the bank branch (200 / n).

Therefore, the credit card security system using the fingerprint recognition according to the present invention registers the fingerprint for the customer of the fingerprint input financial card 100 and the designated number for the fingerprint at the time of release of the fingerprint input financial card 100 The user of the fingerprint input financial card 100 is assigned a designated number when performing a financial card payment such as purchasing goods or withdrawing cash using the fingerprint input financial card 100 later. By inputting his or her fingerprint, it is determined whether the user of the fingerprint input financial card 100 is the actual owner by comparing the designated number and the fingerprint with each other.

On the other hand, when the customer applies for the fingerprint input financial card 100, the designated number and the fingerprint to be input can be input to a plurality. For example, designation number '1' is the thumb of the father's right hand, designation number '2' is the thumb of the father's right hand, designation number '3' is the thumb of the father's right hand, designation number '4' is the thumb of the mother's right hand Finger, designation number '5' can be entered as the mother's right hand ring finger, designation number '6' is the mother's right hand stop finger, designation number '7' can be entered as the right hand's thumb. Accordingly, the fingerprint input financial card 100 can be used in a family unit. As such, the designated number may be inputted with a password of one or more digits, whereby the designated number functions as an existing password.

2A and 2B are perspective views showing a financial card for fingerprint input according to the present invention.

The fingerprint input financial card 110 shown in FIG. 2A has a character area section 111 in which the name of the card, the unique number of the financial card, the real name of the real owner, and the period of use of the card are embossed by pressing. And a fingerprint of the user formed in contact with the character area and the real owner identification area part 112 on which a picture of the real owner is printed, and a predetermined area adjacent to the areas 111 and 112. A fingerprint input area 113 for inputting is provided, and on the rear side thereof, as shown in FIG. 2B, personal information of the owner of the financial card, that is, credit information is recorded and has a predetermined width in a longitudinal direction. A variable magnetic region portion 114 formed as a shape, and a signature region portion 115 attached to an area adjacent to the variable magnetic region portion 114 and capable of describing a signature of a real owner are provided.

The fingerprint input region 113 may be made of an elastic material of rubber material or formed of another material so that fingerprint marks remain well when fingerprints are taken. In this case, the fingerprint input area 113 may be formed of a black background color, but may be sufficiently formed in other colors.

In addition, the fingerprint input region 113 may be formed of a memory device that stores fingerprint data for a predetermined time. At this time, the power used for the memory element of the fingerprint input region 113 receives power from the card reader 220 when the financial card 110 for the fingerprint input is inserted into the card reader 220. do.

The memory device of the fingerprint input region 113 uses a flash memory, a ROM, a RAM, or the like.

3A and 3B are perspective views illustrating another fingerprint input financial card according to the present invention.

The fingerprint input financial card 120 shown in FIG. 3A includes a character area portion 121 in which the name of the card, the unique number of the financial card, the real name of the real owner, and the period of use of the card are embossed by pressing. And a real owner identification area 122 formed adjacent to the character area and printed with a picture of a real owner, and at the rear thereof, as shown in FIG. 3B, personal information of a real owner of the financial card. That is, the credit information is recorded and attached to the variable magnetic region portion 124 having a predetermined width and formed in the longitudinal direction, and adjacent to the variable magnetic region portion 124 and capable of describing the signature of the actual owner. A signature area unit 125 and a fingerprint input area unit 123 for inputting a user's fingerprint by contact is provided in a predetermined area adjacent to the areas 124 and 125.

Similarly, the fingerprint input region 123 may be made of an elastic material of rubber material or formed of another material so that fingerprint marks remain well when fingerprints are taken. In this case, the fingerprint input area unit 123 may have a background color of black but may be sufficiently formed in other colors.

In another embodiment, the fingerprint input area unit 123 is formed of a memory device that stores fingerprint data for a predetermined time. At this time, the power used for the memory device of the fingerprint input area unit 123 receives the power from the card reader 220 when the financial card 120 for the fingerprint input is inserted into the card reader 220. do.

The memory device of the fingerprint input area unit 123 uses a flash memory, a ROM, a RAM, or the like.

4 is a flowchart illustrating a process of issuing a fingerprint card for fingerprint input according to the present invention.

The issuing process of the fingerprint input financial card 100, as shown in Figure 4, the customer first applies for the fingerprint input financial card 100 to the bank (step S10).

The bank then inquires the credit for the customer (step S11).

If there is no abnormality in the credit check result for the customer (if normal), have the customer prepare a financial card application for fingerprint input (steps S12-S13); Stop issuance (steps S12, S17).

The bank causes the customer to create a designated number for the fingerprint to be input when the financial card application for fingerprint input is made (step S14).

Then, the fingerprint corresponding to the designated number created by the customer is input through the fingerprint input device (210 in FIG. 1) and then registered in the database 320 of the bank main office 300 together with the designated number (step S15). .

Then, issue the fingerprint input financial card to the customer (step S16).

5 is a flowchart illustrating a process of using a financial card for fingerprint input according to the present invention.

The process of using the fingerprint input financial card 100 is shown in Figure 5, the card reader (220 of Figure 1) installed in the bank for the user of the fingerprint input financial card 100 to receive financial services ( Or ATM, CD, etc.) (not shown).

Then, the fingerprint corresponding to the designated number is input to the fingerprint input area portion (113 of FIG. 2A or 123 of FIG. 3B) of the fingerprint input financial card 100 (step S20).

Then, the fingerprint input financial card 100, the fingerprint input is inserted into the card reader (220 of FIG. 1) (step S21), and then the designated number output through the monitor of the card reader 220. The designated number is input by the input request message (step S22).

Next, after reading the designated number input from the card reader 220 and the fingerprint input to the financial card 100 for fingerprint input (step S23), the bank head office via the public line or the Internet 400 The fingerprint and the designated number for the customer of the fingerprint input financial card 100 stored in the database 320 of 300 are retrieved (step S24).

Then, the fingerprint and the designated number input by the user of the fingerprint input financial card 100 and the fingerprint of the customer of the fingerprint input financial card 100 stored in the database 320 of the bank headquarters 300 and It is compared whether or not the designated numbers match (step S25).

At this time, if both the fingerprint and the designated number match the financial service to the user of the fingerprint input financial card 100 (step S26), if the fingerprint and the specified number does not match the fingerprint input financial card 100 Control the user from using the card.

As described above, the financial card security method and system using the fingerprint recognition according to the present invention inherently use the financial card by impersonating the illegal person in connection with the loss and theft of the financial card or the hacking of the card information by malicious. Can be prevented.

The present invention is not limited to the above-described embodiments, but can be variously modified and changed by those skilled in the art, which should be regarded as included in the spirit and scope of the present invention as defined in the appended claims. something to do.

As described above, the credit card security method and system using the fingerprint recognition according to the present invention registers the fingerprint for the acquirer of the financial card and the designated number for the fingerprint at the time of financial card release, and subsequently When making a payment for a financial card, such as purchasing an item or withdrawing cash, the user of the financial card must enter his / her fingerprint assigned to the designated number to confirm whether the fingerprint matches the previously designated number. The comparison is made to determine whether the user of the financial card is the real owner. As a result, the illegal use of lost or stolen financial cards can be completely blocked, and upon confirmation of illegal users, immediate notification to nearby employees and local government offices, etc. can be immediately arrested or arrested at the site, and the loss and theft of cards It is possible to prevent disadvantages of financial card users, merchants and financial card companies due to illegal use, and to prevent unnecessary time and economic loss of collecting and storing documents from financial card companies. The crime itself is effective in preventing it.

Claims (12)

In the financial card security method using fingerprint recognition, Applying a financial card for fingerprint input to a bank by a customer; Inquiring the credit of the customer in the bank and if there is no abnormality, causing the customer to write a financial card application for fingerprint input; Creating a designated number for a fingerprint to be input when the bank prepares the financial card application for fingerprint input by the bank; Inputting a fingerprint corresponding to the designated number and registering the fingerprint with the designated number in a database of a bank main office; And And issuing the fingerprint input financial card to the customer. The method of claim 1, Financial card security method using fingerprint identification, characterized in that the input of at least one of the designated number and the fingerprint. The method of claim 1, The fingerprint card financial card security method using a fingerprint recognition, characterized in that the fingerprint input area for inputting the fingerprint is formed. The method of claim 3, wherein The fingerprint input area is a financial card security method using fingerprint recognition, characterized in that consisting of a memory. In the financial card security method using fingerprint recognition, Inputting a fingerprint corresponding to a designated number into a fingerprint input region of a fingerprint input financial card; Inserting the fingerprint input financial card into which the fingerprint is input to a card reader; Inputting, by the customer, a designated number by a request for inputting a designated number of the card recognizer; After reading the designated number entered by the customer in the card reader and the fingerprint inputted to the financial card for fingerprint input, the fingerprint reader and the designated number for the customer of the fingerprint input financial card stored in the database of the bank head office are retrieved and matched. Comparing whether; And If the fingerprint and the designated number match the comparison result, providing a financial service to the user of the fingerprint input financial card, if it does not match fingerprint recognition, characterized in that it comprises the step of controlling not to use the financial card for fingerprint input Financial card security method using. The method of claim 5, wherein A fingerprint card security method using fingerprint recognition, characterized in that the fingerprint of the customer entered in the fingerprint input area of the fingerprint input financial card is automatically deleted after a certain time. In the financial card security system using fingerprint recognition, A fingerprint input financial card having a fingerprint input area for a customer to input a fingerprint; The fingerprint inputter inputs a fingerprint when the customer applies for the fingerprint input financial card, and searches for the fingerprint and a designated number input by the customer when the fingerprint input financial card is inserted, and then passes the credit authentication process to the customer. A plurality of bank branches having a card reader providing a service and a terminal connected to the fingerprint input device and the card reader; And And a main computer connected to the terminals provided at the plurality of bank branches through a communication network, and a main bank having a database operating in association with the main computer and storing a fingerprint and a designated number input by the customer. Financial card security system using a fingerprint recognition. The method of claim 7, wherein The fingerprint card financial card security system using a fingerprint recognition, characterized in that it comprises a fingerprint input area for inputting the customer's fingerprint to the predetermined area of any one of the front and rear. The method of claim 8, The fingerprint input financial card further includes a real owner identification area on which a real owner's picture is printed. The method of claim 8, The fingerprint input area unit is a financial card security system using a fingerprint recognition, characterized in that made of an elastic material of rubber material so that the fingerprint marks remain well when the customer takes the fingerprint. The method of claim 8, The fingerprint input area unit is a financial card security system using a fingerprint recognition, characterized in that formed with a memory element. The method of claim 11, The memory device is a financial card security system using a fingerprint recognition, characterized in that using any one of RAM (ROM), ROM (ROM), Flash (FLASH) memory.