KR20060087486A - Personal financial transaction system combining card and fingerprint recognition - Google Patents

Abstract

By connecting the information of the credit card currently in use with the information of the personal fingerprint, it connects to the existing bank joint network, minimizing time and cost aspects, securing the security of personal information, stability through the prevention of financial accidents, and convenience of financial transactions. In order to create economic added value through the synergy effect of personal financial transactions, the card issuer's fingerprint reader is used as a new program for fingerprinting and fingerprinting. If the customer information database and the customer's fingerprint information are stored in the DB Modfeed, and sent to the bank terminal of the new program again to receive recognition approval, the customer's information will be requested for fingerprint recognition. The information and card information goes through the bank terminal The information of the credit card in use, which is verified in the customer information database, which is authenticated through the bank terminal again, and is used for linking the credit card and the fingerprint information to use the information of all financial transaction cards after fingerprint authentication, is linked with the personal fingerprint information. A personal financial transaction system that combines card and fingerprint recognition, which is configured to connect to a bank common network.

Fingerprint Reader Card Reader New Program Terminal Customer Fingerprint Information Fingerprint Recognition Request Fingerprint Recognition Authentication Procedure Selection

Description

Personal financial transaction system combining card and fingerprint recognition {omitted}

1 is a schematic diagram of a processor of the present invention.

2 is a schematic diagram of a conventional (current) pro sensor.

3 is a block diagram of a conventional input card use

4 is a detailed view of a processor of the present invention.

`` Code description of main parts of drawings ''

1. 1 ': ATM business 2: Authentication process selection 3. 3': Financial card (Reading)

4. 4 ': Enter password 5: Select fingerprint recognition 6. 6': Bank terminal service

7. 7 ': Reporting / Withdrawal (Reporting) 8. 8': Banking closed

11: Card issuance request 14: Customer information database 15: Card restoration business

16: bank terminal 111: card (Reader) 112: fingerprint reader

113: fingerprint recognition requester 114: customer information database

115: customer fingerprint information (database storage) 116: new program terminal

The present invention prevents financial accidents caused by credit cards, realizes independent identities in credit transactions, and utilizes them as financial electronic signatures, including fingerprint scan, iris scan, vein recognition, It relates to a personal finance system that combines card and fingerprint identification for the purpose of security by utilizing personal identification functions such as voice scan.

For example, the size of financial accidents exceeded KRW 377.3 billion in 2005, and the method and scale of financial accidents has been continuously increasing. It is the development of a secure personal financial transaction system with a fingerprint recognition system that is more secure than the existing credit card (magnetic) by utilizing IT technology and biometric mechanism.

Conventionally, a fingerprint card (10-2000-69864), a card with a fingerprint reader (10-2000-32665), or a credit card (10-1998-218) using a fingerprint recognition technology fingerprint card fingerprint sensor (10-2000-8344), fingerprint recognition credit card (10-1999-55282), IC card security device using fingerprint (20-2000-10080), fingerprint recognition bachelor's helper ASP solution (10-2000- No. 38723) and a number of applications for the fingerprint recognition card, etc. in addition to the above-described description has been filed, the fingerprint recognition card to detect and recognize the characteristic vector of the ridges and ridges of any one of the user's fingerprints and data A fingerprint vector storage unit for storing a fingerprint recognition window of the fingerprint, a feature vector of the fingerprint of the cardholder, a feature vector of the fingerprint of the real owner, and a feature vector of the user fingerprint; Generated by the comparison unit and the user's finger A piezoelectric power supply unit for converting the force applied by the energy, which is the power supply voltage, a scale capacitor for accumulating the voltage generated therein, and a fluorescence for temporarily generating light of a specific color with a predetermined brightness toward the outside in response to a control signal of the comparison unit It is provided between the display unit, the comparison unit and the fluorescent display unit, and includes a switching unit for supplying the power of the accumulator capacitor to the fluorescent display unit by the control signal, and immediately read the fingerprint of the user with the card, so that it is possible to accurately determine whether the owner is the real owner. Because of this configuration to prevent the use of illegal cards,

The above-mentioned fingerprint recognition BA helper ASP solution maximizes the efficiency of internet information service, information sharing, and management system through fingerprint authentication system server, database, application, and web server construction. It is a configuration to build an Internet ASP (Application Sevvice Provider) solution that can provide efficiency and convenience with professional driving school such as license holders, users and related institutions by establishing a precautionary system for proxy education and proxy application. In addition, the former and the latter were designed to prevent the illegal use of the fingerprint recognition system, and to prevent the denial of proxy education or surrogate application during the driver's license test.

In addition, the financial transaction method that is currently commercialized using fingerprint recognition is applied in some banks in the market. The problem is that the bank's fingerprint transaction system cannot be applied to the bank's common network. Since there is a problem that the information of customers registered in the database of all existing banks must be changed and revised by interlocking with fingerprints, it is economical and efficient in terms of time and cost, and is applied to all banks connected to the bank's common network. The information about the fingerprint of the individual must be registered, which causes a possibility that the financial transaction network system must be newly established.

The present invention registers fingerprint information at the same time of issuing a card at the time of initial bank financial transaction, and allows the person who cannot register and use fingerprint only to use the existing card. It is intended to be recognized in an information bank database.

The present invention is intended to fundamentally heal the method and scale of financial accidents, unlike the above-mentioned composition, and to compensate for weaknesses due to recurrence and deterioration of personal credit in the future, and utilize highly developed IT technology and biometric mechanisms. By focusing on developing a security solution with a fingerprint recognition system that is more secure than a credit card composed of an existing magnetic structure, the individual credit card is compared with a fingerprint recognition system by utilizing the fingerprint recognition technology most widely used among biometric systems. The purpose of the present invention is to develop a system for strengthening security for preventing financial accidents by interlocking and securing user convenience, which will be described in detail with reference to the accompanying drawings.

In general, to use the ATM terminal (1) (1 ') to view banking services from the outside and use the financial card (credit card and debit card) to read the financial card (3) (3'), and to protect personal information. Enter the authenticated password (4) (4 ') and perform the bank terminal business in accordance with the identity verification procedure in the bank terminal business (6) (6'), select a financial service such as deposit or withdrawal after the authentication procedure After the deposit and withdrawal reporting (7) (7 ') for printing the statement and the bank closing (8) (8') to close the procedure according to the bank business, the screen is configured to be initialized The general procedure, that is, the configuration of the To-be process, is the same as the example shown in FIGS. 1 and 2.

In the present invention, the above procedure does not go directly from the ATM business (1) (1 ') to the financial card (3) (3'), but through the financial card selection (3) and the fingerprint scanner in the authentication procedure selection (2). The fingerprint recognition selection (5) of the fingerprint authentication to be authenticated at the same time to be configured to go through the password input (4) after being authenticated to the fingerprint recognition selection (5)

In the above-described procedure, conventionally, when a user requests a card issuance (1), customer information is inputted to the bank terminal 6, stored in the database 14 which is the customer information of the bank, and then again through the bank terminal 16. After the card 15 has been copied and the card is issued to the customer, it has been in charge of deposit and withdrawal of the bank as the procedure of FIG.

This process allowed illegal copying and forgery of credit card (magnetic), risk of personal information leakage and financial loss due to card loss, and inconvenience of magnetic damage due to environmental change (magnetic field). ,

However, in order to use the authentication procedure (2) and the fingerprint recognition selection (5) system in the banking and withdrawal operation of FIG. 1, the fingerprint information and the card in the card issuing 111 and the fingerprint reader 112 as shown in FIG. The information is sent to the bank terminal 116, which is a new program, and the customer information database 114 and the fingerprint information 115 of the customer are stored in the DB Modified and sent back to the bank terminal 116 of the new program for approval. Upon receiving the customer's fingerprint information is received the fingerprint recognition request 113, and when using the fingerprint information and card information from the card reader 111 and the fingerprint reader 112 through the bank terminal 116 and the fingerprint information 115 and It is confirmed in the customer information database 114 stored together and approved through the bank terminal 116 again,

The present invention is to add personal fingerprint information to each financial company's personal information database, develop personal card information Inter Face technology according to fingerprint recognition, use fingerprint recognition system at ATM terminals and other card merchants, and promote user convenience. It will be possible to prevent the risk of card loss and to maximize the use of fingerprint recognition system through the entire financial company database such as banks.

The financial services of the conventional credit card (credit / debit card) can be expected to be excellent in terms of convenience, security, and management cost because of the fingerprint recognition system, and can greatly contribute to the renewal of customer management image.

The chart below shows the expected effects of each level.

In this way, by connecting the information of the credit card and the personal information currently in use to access the common network of existing banks to minimize time and cost aspects, security of personal information, stability through the prevention of financial accidents, convenience of financial transactions By securing economic value by creating synergies of personal financial transactions and linking credit card and fingerprint information, all financial transactions after fingerprint authentication use the information of the card, and there is no need to revise and establish the existing bank computer network. The effect obtained by installing BBT personal financial transaction system in bank branches and ATMs and installing fingerprint scanner in spare slots of ATM machines by utilizing ATM machines installed at each bank branch is significant.

Claims (1)

In order to use the authentication process and the fingerprint recognition selection system in the banking and withdrawal operations, the fingerprint information and the card information are sent to the card issuing and the fingerprint reader to the new program terminal, and the customer information database and the fingerprint information of the customer are transferred to the DB modifier. Save and send it back to the bank terminal of the new program to receive the approval, and the customer's information will be requested for fingerprint recognition.In use, the card information and the card information from the card reader and the fingerprint reader go through the bank terminal and stored with the fingerprint information. By linking the credit card and fingerprint information, which is confirmed in the information database and approved through a bank terminal, the information of all the financial transaction cards is used after the fingerprint is recognized. Cards and fingerprints that are configured to connect to the bank's common network The combined private banking system.

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