KR20170016779A - System for relaying financial transaction with multiple safety function using finger vein authentication - Google Patents

Abstract

The present invention relates to a financial transaction relay system having a multiple safety locking function using finger vein authentication, and a processing method thereof. The financial transaction relay system according to the present invention comprises: a customer terminal; an electronic financial transaction system; and a financial transaction relay server which relays a financial transaction performed between e-commerce systems via non-authentication access. The financial transaction relay server includes: a multiple safety locking module using fingerprint recognition, password authentication, and finger vein authentication of the customer terminal; and a middleware firewall. According to the present invention, when the customer terminal performs any one among an electronic financial transaction and an e-commerce transaction, fingerprint information and finger vein information are received from the customer terminal, and authentication processing is performed on the fingerprint information and the finger vein information. Accordingly, relay processing can be performed on the electronic financial transaction system and the e-commerce system so that a financial transaction is made possible via non-authentication access.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial transaction relay system having multiple safety lock functions using fingerprint authentication,

The present invention relates to a financial transaction relay system, and more particularly, to a multifunctional security system that processes a fingerprint authentication, a firewall password authentication using a fingerprint authentication, and a financial management middleware authentication so as to enable unauthorized access for financial transactions and electronic commerce And more particularly to a financial transaction relay system having a lock function.

Recently, with the use of mobile phones, smart phones, and the rapid spread of wireless Internet, the proportion of banking and e-commerce processing using mobile devices is increasing.

Currently, mobile devices use chips issued by banks to perform financial transactions such as banking and e-commerce transactions in place of credit cards. To this end, the mobile device has a built-in chip, which is used for payment at a convenience store and a store where a dedicated terminal is installed. However, there is a limitation in the cost that can be settled, and payment can not be performed in a place without a dedicated terminal. In addition, there is a problem in that a chip built in a mobile device is difficult to immediately process payment at the time of account transfer or general commercial transaction.

 Generally, an individual protects an individual's financial transactions with an authorized certificate and a password in order to prevent personal injury which may occur as leakage or theft of personal information or password in an electronic financial transaction with a bank, Since banks rely solely on security technology, banks are not able to prevent or protect the personal injury caused by personal mistakes.

In order to solve these problems, biometrics technology has been applied to electronic financial transactions such as e-commerce transactions, bank transactions, insurance transactions, and securities transactions due to credit card settlement at an online shopping mall. Biometric technology refers to technology that identifies or identifies an individual using biometric information. Until now, biometrics technology uses fingerprints, faces, irises or voices to identify personal identities.

The fingerprint recognition technology is small in recognition device and can be mass-produced at low cost. Also, it shows relatively good performance in terms of accuracy and speed of recognition. However, fingerprints are exposed outside the body and are likely to be stolen and deformed by sweat, which can affect recognition performance. There are also hygiene problems. Iris recognition technology is the most reliable biometric technology in that recognition errors are unlikely and counterfeiting is difficult. However, most people are reluctant to shine directly in the eye for iris recognition, and iris recognition devices are large and expensive. Face or voice recognition technology has the advantage of being the most natural form of biometric information in identity recognition. However, it has a disadvantage in that it is less accurate than other technologies in terms of accuracy of recognition.

In order to overcome and overcome the disadvantages of the biometric techniques described above, finger vein recognition technology has been developed.

The finger vein recognition technology refers to a technique for identifying an individual using a finger vein pattern image acquired through infrared rays. Human veins are located in complex shapes directly beneath the skin. According to various studies, the pattern of the veins is different for each individual, and it is known that the pattern does not change with age. The fingerprint recognition technology has the following advantages. That is, since the vein is inside the body, there is little risk of theft or forgery, and the state of the finger surface has no effect on the recognition. In addition, it is possible to construct a noncontact type device with high convenience for the user by using infrared rays. Since the finger pattern can be stably and relatively clearly searched, a camera having a low resolution can be used to obtain a small fingerprint image have. That is, fingerprint recognition technology can provide balanced performance in terms of security and convenience.

Due to these advantages, finger vein recognition technology is more difficult than fingerprint, iris, face and voice recognition technology for counterfeit modulation. Therefore, biometric authentication device with higher safety can be realized and miniaturization is possible. .

Korean Patent Publication No. 10-2014-0003274 (published January 09, 2014) Korean Patent Laid-Open Publication No. 10-2012-0125816 (public date November 19, 2012) Korean Patent Registration No. 10-0954776 (Published on April 28, 2010) Korean Patent Registration No. 10-1050301 (Published on July 19, 2011)

SUMMARY OF THE INVENTION It is an object of the present invention to provide a financial transaction relay system having multiple security lock functions using fingerprint authentication.

Another object of the present invention is to provide a financial transaction relay system having multiple security lock functions using a middleware firewall.

It is still another object of the present invention to provide a financial transaction relay system having multiple security lock functions using fingerprint authentication, password authentication, and fingerprint authentication to relay transactions to enable electronic transactions and unauthorized access and financial transactions in electronic financial transactions .

In order to achieve the above-mentioned objects, the financial transaction relay system of the present invention is characterized by having multiple security lock functions using fingerprint authentication and fingerprint authentication of a user using a mobile application. Such a financial transaction relay system makes it possible to deal with e-commerce, unauthorized access in electronic financial transactions, and financial transactions.

According to another aspect of the present invention, there is provided a financial transaction relay system including: a communication network; A customer terminal connected to the communication network and including a fingerprint recognizer for inputting fingerprint information and a finger vein reader for extracting finger vein information; Wherein the customer terminal is connected through the communication network and receives the fingerprint information, the password, and the fingerprint information from the customer terminal and registers the fingerprint information, the password and the fingerprint information as a member. When the customer terminal performs electronic financial transaction or electronic commerce, Receiving the fingerprint information, the password, and the fingerprint information from the customer terminal and authenticating the electronic finger transaction information to perform an electronic transaction transaction for an electronic financial transaction or an electronic transaction system for electronic transaction, And a financial transaction relay server.

In one embodiment of this aspect, the financial transaction relay server comprises: A fingerprint recognition processor for receiving fingerprint information from the customer terminal and comparing the fingerprint information with previously registered fingerprint information; an account password processor for registering an account password of the customer terminal; A multiple safety lock module including an authentication processing unit; Wherein the fingerprint information, the password, and the fingerprint information are compared with each other, and the fingerprint information, the password, and the fingerprint information are compared with each other, And a middleware approval processing unit for approving the transaction and the e-commerce transaction to be relayed.

In another embodiment, the finger vein recognizer comprises: A scanner for acquiring finger vein information by scanning a finger of a customer; A memory for extracting and storing finger vein patterns from finger vein information obtained from the scanner; A finger vein image display unit displaying finger vein information scanned from the scanner or displaying a process of the finger vein recognizer; An interface module connected to the customer terminal and providing finger vein information obtained from the scanner to the customer terminal; And a controller for controlling all operations of the finger vein recognizer.

In another embodiment, the finger vein recognizer comprises: The memory further stores a finger vein pattern extraction program for extracting a vein pattern from the acquired vein pattern information and determining whether the extracted vein pattern matches the customer's vein pattern.

As described above, the financial transaction relay system of the present invention provides multiple security lock functions using electronic financial transactions, fingerprints during electronic commerce, and fingerprints, thereby receiving fingerprint information and fingerprint information from a customer terminal and performing authentication processing, An electronic financial transaction system and an electronic commerce system can be made available for an unauthorized access to a financial transaction.

In addition, the financial transaction relay system of the present invention registers a fingerprint information, a password, and fingerprint information of a customer terminal in a single membership, thereby providing a safety lock function according to a financial transaction and inconvenience of issuing a public certificate troublesomely Which can provide economic convenience of new changes in financial transactions.

In addition, the financial transaction relay system of the present invention is suitable for the ubiquitous era where financial transaction can be used anytime and anywhere by merging with the IT technology since the electronic financial transaction system and the electronic commerce system can be financed through unauthorized access.

In addition, the financial transaction relay system of the present invention is capable of not only releasing from the hacking by building a middleware firewall but also introducing a new horizon in the era of digital pin-tec revolution in which the external and internal patterns of the fingerprint and the finger vein are simultaneously used according to the movement route of the finger It provides a biometric authentication security management system with multiple security lock functions, so that it can implement specialized technology that can be retained and provided only by the present applicant, which can not be imitated anywhere in the world.

In addition, the financial transaction relay system of the present invention provides multiple security lock functions by using fingerprints and fingerprints, so that if the customer can not use them without him or himself, It is impossible to utilize finger vein patterns even when a finger of a dead person is used for the authentication of the dead person.

1 is a block diagram illustrating a configuration of a financial transaction relay system having multiple security lock functions using fingerprint authentication according to the present invention;
FIG. 2 is a block diagram showing a configuration of a financial transaction relay server shown in FIG. 1; FIG.
FIG. 3 is a block diagram showing a configuration of a part of the customer terminal shown in FIG. 1; FIG. And
4 is a flowchart illustrating a processing procedure of a financial transaction relay system having multiple security lock functions using fingerprint authentication according to the present invention.

The embodiments of the present invention can be modified into various forms and the scope of the present invention should not be interpreted as being limited by the embodiments described below. The present embodiments are provided to enable those skilled in the art to more fully understand the present invention. Therefore, the shapes and the like of the components in the drawings are exaggerated in order to emphasize a clearer explanation.

Hereinafter, embodiments of the present invention will be described in detail with reference to FIGS. 1 to 4 attached hereto.

FIG. 1 is a block diagram illustrating a configuration of a financial transaction relay system having multiple security lock functions using fingerprint authentication according to the present invention. FIG. 2 is a block diagram illustrating a configuration of a financial transaction relay server shown in FIG. And FIG. 3 is a block diagram showing a configuration of a part of the customer terminal shown in FIG.

1 to 3, the financial transaction relay system 2 of the present invention can perform electronic banking transactions, electronic transactions with an electronic financial transaction using a multiple security lock function including fingerprint authentication, password authentication and fingerprint authentication, Transaction between the electronic financial transaction system 300 and the electronic commerce system 400 for transaction is relayed so that the electronic financial transaction and the electronic commerce are performed.

For this, the financial transaction relay system 2 of the present invention registers the member as a member through fingerprint identification, password authentication and fingerprint authentication to the financial transaction relay server 100 using the middleware firewall 120, The electronic financial transaction system 300 and the electronic commerce system 400 perform an electronic transaction and an electronic commerce transaction by making an unauthorized connection during a financial transaction.

Specifically, the financial transaction relay system 2 of the present invention includes the communication networks 4 and 6, the customer terminal 200, the electronic financial transaction system 300, the electronic commerce system 400, and the financial transaction relay server 100).

The communication networks 4 and 6 are provided in a wired or wireless communication network or a mobile communication network and are connected to the customer terminal 200, the electronic financial transaction system 300, the financial transaction relay server 100, the customer terminal 200, System 400 and the financial transaction relay server 100 are connected to each other so that data communication is performed.

The customer terminal 200 is provided, for example, in a portable computer such as a smart phone, a tablet computer, a notebook computer, or a personal computer, and connects to the financial transaction relay server 100 through the communication network 4. To this end, the customer terminal 200 accesses the financial transaction relay server 100 using a web browser or a mobile application, accesses the electronic financial transaction system 300 and the electronic commerce system 400 through the financial transaction relay server 100, To conduct electronic financial transactions and electronic commerce.

The customer terminal 200 includes a fingerprint recognizer 210 for obtaining fingerprint information and a finger vein reader 220 for extracting finger vein information. The customer terminal 200 provides the fingerprint information obtained from the fingerprint recognizer 210 and the fingerprint information extracted from the fingerprint recognizer 220 to the financial transaction relay server 100 via the communication network 4. [

The customer terminal 200 accesses the financial transaction relay server 100 via the communication network 4 and registers the member as a member. At this time, the customer terminal 200 registers the fingerprint information and the fingerprint information in the financial transaction relay server 100, and registers the password registered in the electronic financial transaction system 300 or the electronic commerce system 400. Also, the customer terminal 200 can be additionally authenticated using the telephone number from the financial transaction relay server 100. The customer terminal 200 provides fingerprint information and fingerprint information to the financial transaction relay server 100 for electronic financial transactions and electronic commerce with the electronic financial transaction system 300 and the electronic commerce system 400.

As shown in FIG. 3, the customer terminal 200 of this embodiment is provided as a smart phone and is connected to the financial transaction relay server 100 through the communication network 4 to perform electronic financial transactions, financial transaction transactions for electronic commerce Downloads the app 202 and installs it inside. The customer terminal 200 activates the financial transaction relaying application 202 to scan the fingerprint information and the fingerprint information of the fingerprint reader 210 and the fingerprint reader 220 through the fingerprint reader 210 and the fingerprint reader 220, And provides the MAC information to the financial transaction relay server 100 via the communication network 4.

The finger vein recognizer 220 of the customer terminal 200 may be provided in a module form inside the customer terminal 200 or may be provided as an independent device detachable with the customer terminal 200 as shown in FIG. It is possible. In order to eliminate the financial burden of purchasing the finger vein recognizer 220 by the customer and actively encourage the use of the financial transaction relaying application 202, the service provider of the financial transaction relay server 100, Or a credit card company may provide the finger vein recognizer 220 to a commerce site so that it can be provided to the customer terminal 200 in a detachable form when registering and using a payment means using a finger vein.

The finger vein recognizer 220 extracts and acquires finger vein information so as to authenticate the customer by recognizing the hemoglobin pattern of the vein by projecting the near infrared ray or the like on the vein of the finger which is easy to use among the customer's blood vessel. That is, by using the fact that the vein of the finger absorbs near-infrared light and the portion other than the vein transmits near-infrared light, a near infrared ray is irradiated onto a finger and a finger having near infrared sensitivity, for example, The image of the vein can be extracted and used for personal authentication.

Specifically, the finger vein recognizer 220 of this embodiment includes a controller 212 that controls all operations of the finger vein recognizer 220, a scanner 214 that acquires finger vein information by scanning a customer's finger, a scanner A memory 216 for extracting and storing a finger vein pattern from the finger vein information obtained from the finger vein reader 214, a finger vein image for displaying the finger vein information scanned from the scanner 214, And an interface module 220 connected to the customer terminal 200 and providing the finger vein information acquired from the scanner 214 to the customer terminal 200.

In the memory 216, a finger vein pattern extraction program 230 for extracting a finger vein pattern from the obtained finger vein information is stored. The finger pattern extraction program 230 is provided, for example, as a level set curvature program to remove noise from the image relating to the finger acquired from the scanner 214, The peripheral portion of the image is removed to separate the image of only the finger portion, the finger vein pattern is extracted from the image of only the finger portion using the level set curvature, and the extracted vein pattern is binarized and thinned )do. Thereafter, it is possible to judge whether the finger vein pattern coincides with the customer's finger vein pattern according to the command of the level set curvature program 230.

The finger vein recognizer 220 further includes a temperature sensor 222 for sensing the temperature of the finger and a blood flow recognition sensor 224 for recognizing blood flowing in the finger when the finger vein information is acquired from the scanner 214. For example, the temperature sensor 222 and the blood flow recognition sensor 224 may be configured so that the finger vein recognizer 220 can detect the finger vein information by using only the finger of the other person for a predetermined period of time, The CPU 210 recognizes the temperature of the finger and the flow of the blood flow together with finger vein information obtained from the scanner 214 to process the finger vein information acquired from the scanner 214 to provide the finger vein information to the customer terminal 200.

For example, the finger vein recognizer 220 may be configured as a 'finger vein authentication system' of Korean Patent Registration No. 10-1496852 (published on Mar. 02, 2015).

1, the electronic financial transaction system 300 is provided in a partner bank, an insurance company, a securities company, and the like. The electronic financial transaction system 300 includes an electronic financial transaction according to the banking process performed online by the customer terminal 200, And deals with electronic financial transactions based on brokerage business. When the customer terminal 200 is approved as a multiple security lock function through the financial transaction relay server 100, the electronic financial transaction system 300 is connected without authentication.

The e-commerce system 400 may include, for example, an online shopping mall system such as a department store or a discount store, a passenger transportation reservation system for aviation or railroad, a lodging reservation system for a condo or a hotel, And a leisure reservation system. When the customer terminal 200 is approved as a multiple security lock function when using electronic commerce through the financial transaction relay server 100, the user terminal 200 is connected without authentication.

When the customer terminal 200 registers as a member, the financial transaction relay server 100 registers the member as a member through the multiple safety lock module 110 and transmits the electronic transaction information to the electronic financial transaction system 300 and the electronic commerce system 400 The authentication processing is performed through the fingerprint information from the customer terminal 200 and the fingerprint information is authenticated through the password and the middleware firewall 120. The e-commerce transaction system 300 and the electronic commerce system 300 400), if it is approved as multiple security lock function at the time of electronic financial transactions and electronic commerce, the transaction is relayed so that the financial transaction is made with the unauthorized access. The financial transaction relay server 100 establishes a personal portal site for electronic financial transaction and electronic commerce.

2, the financial transaction relay server 100 includes a control unit 102, a communication unit 104, a multiple safety lock module 110, a middleware authentication processing unit 122, and a database 130 ). Although not shown in the figure, the financial transaction relay server 100 includes components of a typical computer system such as a central processing unit, a memory unit, an input / output unit, and a storage unit.

The control unit 102 controls and processes all operations of the financial transaction relay server 100. The control unit 102 may include, for example, hardware such as a central processing unit, a memory or a web server, as well as software such as an operating system program, a control program, and the like. The controller 102 receives the fingerprint information, the password, and the fingerprint information from the customer terminal 200 when the customer terminal 200 performs electronic financial transactions and electronic commerce transactions in the electronic financial transaction system 300 and the electronic commerce system 400. [ And processes the multiple safety lock module 110 so that the unauthorized connection is made to the electronic financial transaction system 300 and the electronic commerce system 400. In addition, the control unit 102 controls the user terminal 200 to process the fingerprint authentication and the password authentication through the middleware firewall 120, and controls the middleware authentication processing unit to process multiple security lock functions.

The communication unit 104 connects the customer terminal 200 with the electronic financial transaction system 300 and the electronic commerce system 400 via the communication networks 4 and 6 and transmits the electronic financial transaction and electronic commerce And connects the terminal 200 to the financial transaction relay server 100.

The multiple safety lock module 110 is provided with software, for example, and has a personal authentication function of the customer terminal 200. In this embodiment, the multiple safety lock module 110 includes a fingerprint recognition processing unit 112, an account password processing unit 114, and a telephone number authentication processing unit 116.

The middleware firewall 120 includes a middleware authentication processing unit 122. The middleware authentication processing unit 122 is provided between the multiple safety lock module 110 and the database 130 and transmits the authenticated client terminal 200 authenticated by the multiple safety lock module 110 to the middleware firewall 120 And processes various information of the database 130 so as to be provided to the electronic financial transaction system 300 or the electronic commerce system 400. [

The database 120 stores various information according to the process of the multiple safety lock module 110 under the control of the control unit 102. In this embodiment, the database 120 is provided inside the financial transaction relay server 100, but may be provided as a separate database server.

Specifically, the database 120 stores member information 122, fingerprint information 124, fingerprint information 126, and financial information 128. The member information 122 includes information such as a name, an ID (ID) of the customer terminal 200, a user ID of the customer terminal 200, and the like, for example, when registering the customer terminal 200 as a member of the financial transaction relay server 100. [ ), A password, a telephone number, an e-mail address, and the like. The member information 122 is matched with the fingerprint information 124, the fingerprint information 126, and the financial information 126. The member information 122 is input when the customer terminal 200 activates the financial transaction relaying application 202 and registers it as a member.

The fingerprint information 124 receives and stores the fingerprint information acquired from the fingerprint recognizer 210 of the customer terminal 200 when the user of the customer terminal 200 registers as a member of the financial transaction relay server 100.

The fingerprint information 126 is registered in correspondence with the member information 122. The finger vein information 124 is acquired from the finger vein recognizer 220 of the customer terminal 200 and is provided from the customer terminal 200 to the financial transaction relay server 100 through the communication network 4. [ Therefore, the fingerprint information 124 registered in the financial transaction relay server 100 can be transmitted to one payment means (for example, a virtual payment means) or a user of a payment means (for example, a credit card, a transaction account, It is used as information necessary for authentication. The finger vein information 126 extracts the finger vein pattern and stores the extracted finger vein pattern information.

The financial information 126 includes information on payment means such as a credit card, a debit card, a check card, and a transaction account issued by the customer terminal 200, and the electronic financial transaction system 300 or electronic And may further include a password of the passbook account registered in the commerce system 400. [

The financial transaction relay server 100 firstly performs fingerprint authentication based on the mobile application, that is, the financial transaction relaying application 202, secondarily firewall password authentication, thirdly fingerprint authentication, fourthly middleware for financial management The fingerprint information processing unit 112 connected to the multiple safety lock module 110 and processed by the control unit 102 when the fingerprint information is finally passed through the firewall authentication line which is the last boundary, , The account password processing unit 114 and the telephone number processing unit 116 and the three items of the membership information 132, the fingerprint information 134 and the financial information 136 linked to the database 130 By passing through the middleware approval processing unit 122 between the interlocking software and the hardware operating system, requests the approval of information in accordance with the integrated six items, Authorization is processed in accordance with the operation performed in conjunction middleware authorization processing unit 122.

Therefore, the financial transaction relay system (2) of the present invention opens multiple security lock functions and is processed so that electronic financial transactions and electronic commerce can be safely and conveniently used through unauthorized access.

As described above, the financial transaction relay system 2 of the present invention uses the mobile application 202 of the customer terminal 200 to perform six steps of fingerprint authentication, password authentication, fingerprint authentication, and middleware authentication processing for each of them A multiple authentication path including a fingerprint, a password, and a fingerprint and a multiple security lock function of the middleware authentication processing unit 122 are processed so that an unauthenticated connection can be made.

In the financial transaction relay system 2 of the present invention, the customer terminal 200 downloads a mobile application through a smart phone or a personal portal connection, and uses the downloaded application for financial transactions. At this time, the financial transaction relay server 100 recognizes the fingerprint at a moment when the customer brings a finger to the customer terminal 200 by using the multiple safety lock module 110, and is connected to the password at the same time, Unauthorized access is possible only if the user must pass the firewall 120 authentication process.

In the middleware firewall 120 authentication process of the present invention, a fingerprint pattern is extracted through a unique fingerprint scanning of each customer, and one of a plurality of fingerprint information associated with fingerprint information of the database 130 Lt; / RTI > At the moment of releasing the finger, the information of the customer's own is removed, and the finger vein pattern is newly extracted and recognized automatically at every finger vein scanning.

And FIG. 4 is a flowchart illustrating a processing procedure of a financial transaction relay system having multiple security lock functions using fingerprint authentication according to the present invention.

4, the financial transaction relay system 2 of the present invention accesses the financial transaction relay server 100 through the communication network 4 in step S150 and subscribes to the member in step S152 . At this time, the customer terminal 200 inputs customer's personal information such as a name, an ID, a password, a telephone number, and an e-mail address.

In step S154, the customer terminal 200 obtains fingerprint information and fingerprint information through the fingerprint recognizer 210 and the fingerprint recognizer 220, and transmits fingerprint information and fingerprint information to the financial transaction relay server The financial transaction relay server 100 registers fingerprint information and fingerprint information in correspondence with the customer terminal 200. At this time, the financial transaction relay server 100 stores the fingerprint information 124 and the fingerprint information 126 in the database 120.

In step S156, the financial transaction relay server 100 firstly recognizes the fingerprint in order to perform the electronic financial transaction and the electronic commerce, and discriminates whether or not the fingerprint information stored in the database matches the fingerprint information stored in the database in step S158, Authentication.

In step S160, the financial transaction relay server 100 receives the password from the customer terminal 200 and determines whether the password matches the password stored in the database 130 in step S162. The password stored in the database 130 is included in the member information 122. As a result of the determination, if the two passwords match, the fingerprint is recognized in the third step in step S164, and it is determined in step S166 whether the fingerprint information matches the fingerprint information 126 stored in the database.

As a result of the determination, if the two pieces of fingerprint information match, the procedure proceeds to step S168, where the multiple safety lock module 110 sequentially transmits the database 130 of the financial transaction relay server 100 through the middleware approval processing unit 122, In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication and processes the transaction to relay the financial transaction.

However, if the financial transaction relay server 100 does not match any one of the fingerprint information, the password and the fingerprint information from the customer terminal 200 in step S164, the customer terminal 200 in step S158, step S162, and step S166, The flow advances to step S172 to block the connection of the financial transaction relay server so that the electronic financial transaction and the electronic commerce can not be processed.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. Various changes and modifications can be made without departing from the technical idea.

2: Financial Transaction Relay System
4, 6: Network
100: financial transaction relay server
110: Multiple safety lock module
120: Middleware firewall
200: Customer terminal
210: Fingerprint reader
220: fingerprint recognizer
300: Electronic financial transaction system
400: Electronic Commerce System

Claims (3)

A financial transaction relay system comprising:
A communication network;
A customer terminal connected to the communication network and including a fingerprint recognizer for inputting fingerprint information and a finger vein reader for extracting finger vein information;
Wherein the customer terminal is connected through the communication network and receives the fingerprint information, the password, and the fingerprint information from the customer terminal and registers the fingerprint information, the password and the fingerprint information as a member. When the customer terminal performs electronic financial transaction or electronic commerce, Receiving the fingerprint information, the password, and the fingerprint information from the customer terminal and authenticating the electronic finger transaction information to perform an electronic transaction transaction for an electronic financial transaction or an electronic transaction system for electronic transaction, A financial transaction relay server;
The financial transaction relay server comprises:
A fingerprint recognition processor for receiving fingerprint information from the customer terminal and comparing the fingerprint information with previously registered fingerprint information; an account password processor for registering an account password of the customer terminal; A multiple safety lock module including an authentication processing unit;
Wherein the fingerprint information, the password, and the fingerprint information are compared with each other, and the fingerprint information, the password, and the fingerprint information are compared with each other, And a middleware firewall that includes a middleware approval processing unit for approving the transaction and the electronic commerce to be relayed. The method according to claim 1,
Wherein the finger vein recognizer comprises:
A scanner for acquiring finger vein information by scanning a finger of a customer;
A memory for extracting and storing finger vein patterns from finger vein information obtained from the scanner;
A finger vein image display unit displaying finger vein information scanned from the scanner or displaying a process of the finger vein recognizer;
An interface module connected to the customer terminal and providing finger vein information obtained from the scanner to the customer terminal;
And a controller for controlling all operations of the finger vein recognizing device.
3. The method of claim 2,
Wherein the finger vein recognizer comprises:
Wherein the memory further stores a finger vein pattern extraction program for extracting a finger vein pattern from the acquired vein pattern information and determining whether the extracted finger vein pattern matches the customer's finger vein pattern.

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