KR20180087932A - Electronic payment system using finger vein recognition and method for processing thereof - Google Patents

Abstract

In an electronic payment system using fingerprint and finger vein recognition by a contactless finger vein recognizer, the present invention relates to the electronic payment system using contactless finger and finger vein recognition. In an integrated photographing authentication apparatus (200a), a scan panel (250) to simultaneously photograph a fingerprint and a finger vein is installed on the upper side of a scan panel upper case (201a). A finger receiving part (252) to place a finger is formed on the scan panel (250). A recognition part of the finger is formed with a contactless type by a groove (272) of a center part thereof. A fingerprint pattern and a finger vein pattern by an infrared light source part (240,241) and a visible light source part (242) are selectively recognized by one image sensor (230). Accordingly, the present invention can provide security and convenience in an electronic payment process replacing a credit card.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system using a contactless fingerprint and fingerprint recognition,

The present invention relates to a non-contact type electronic payment system using fingerprint and finger vein recognition without a fingerprint recognition module, and more particularly, to a non-contact electronic payment system for replacing a credit card payment method using fingerprint and finger vein recognition And a method thereof.

The present invention relates to a technology related to Patent Registration No. 10-1616266, International Patent Classification G06Q 20/40 and Patent Application No. 10-2016-46135 filed by the applicant of the present invention, And an electronic payment system using finger vein recognition and a method thereof.

Biometric technology refers to technology that identifies or identifies an individual using biometric information. Until now, biometrics have been using fingerprints, faces, irises or voices to identify individual 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 recognition accuracy.

In order to overcome and overcome the disadvantages of the above-described biometric techniques, 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. .

However, in the case of the contact type, there are many hygiene problems that must be paid after the terminal used first by others.

Korean Registered Patent No. 10-0954776 (published on Apr. 28, 2010) Korean Patent Registration No. 10-1050301 (Bulletin issued on July 19, 2011) Korean Patent Laid-Open Publication No. 10-1025666 (Announcement on Mar. 30, 2011) Korean Patent Laid-Open Publication No. 10-1210750 (December 10, 2012)

SUMMARY OF THE INVENTION It is an object of the present invention to provide an electronic payment system and a method thereof using fingerprint recognition to replace a credit card payment method.

Another object of the present invention is to provide an electronic payment system and method for supplementing and recognizing finger temperature and blood flow during electronic payment using finger vein recognition.

It is another object of the present invention to provide an electronic payment system and method using finger vein recognition through a mobile application.

It is another object of the present invention to provide an electronic payment system and method using fingerprint and fingerprint recognition by developing a fingerprint and fingerprint recognition device.

So far, many touch sensors have been developed in the case of fingerprints or finger veins. However, in order to solve the problem of hygiene which must be paid to the terminals used by others in the contact type, there is a need to develop a non-contact type sensor .

In order to accomplish the above objects, the present invention provides an electronic payment system using fingerprint and finger vein recognition, comprising: a communication network; A customer client connected to the communication network, the customer client obtaining first fingerprint and fingerprint information of the customer; A merchant client connected to the communication network and acquiring second fingerprint and fingerprint information for the customer of the customer client when a transaction occurs; The first fingerprint and the fingerprint information are received from the customer client through the communication network and are registered in correspondence with the payment means, and when the second fingerprint and the fingerprint information are transmitted from the merchant client, And a settlement service server for comparing the first fingerprint and the second fingerprint with the fingerprint information to process the customer and processing the settlement through the payment means corresponding to the first fingerprint and the fingerprint information, A scan panel 250 for simultaneously photographing a fingerprint and a finger vein is provided at an upper portion of a scan panel upper case 201a as an integrated image capture authentication device 200b capable of shooting, A finger recognition part 252 is formed so that the recognition part of the finger is formed in a noncontact form by the groove 272 in the central part, and one image sensor 230 And the fingerprint pattern can be recognized by the infrared light source unit 240 (241) and the visible light source unit (242) to be.

According to the present invention, in the electronic payment system using the fingerprint and finger vein recognition by the non-contact type fingerprint recognizer, the integrated shot authentication device 200a capable of picking up the fingerprint and the finger vein is provided on the upper part of the scan panel upper case 201a A scan panel 250 for photographing the fingerprint and the finger vein at the same time is provided and the scan panel 250 is formed with a finger seating portion 252 for placing a finger thereon, The recognition part of the finger is formed in a noncontact manner and one image sensor 230 can selectively recognize the finger vein pattern and the fingerprint pattern by the infrared light sources 240 and 241 and the visible light source part 242 And an electronic payment system using fingerprint recognition.

In the present invention, the electronic settlement system may further comprise: Further comprising a credit card company server for accepting payment from the payment means if the payment means is a means corresponding to a credit card, Payment system.

In the present invention, the first fingerprint and finger vein information, the second fingerprint and the finger vein recognizer may include: A temperature sensor for sensing a temperature of blood flow of the finger of the customer when the first fingerprint, finger vein information, second fingerprint and finger vein information are obtained from the scanner; Wherein the first fingerprint and finger vein information, the second fingerprint, and the finger vein recognizer recognize the temperature of the flow of the finger of the customer and if it is determined that there is no abnormality, the first fingerprint and finger vein information obtained from the scanner The second fingerprint and the fingerprint information are transmitted to the customer client or the merchant client using the fingerprint and finger vein recognition.

The present invention provides a processing method of an electronic payment system using fingerprints and fingerprint recognition, the method comprising: providing a fingerprint and a fingerprint payment hybrid server to a fingerprint and fingerprint settlement service server of the electronic payment system; Accessing the fingerprint and fingerprint settlement service server through the fingerprint and fingerprint settlement service server; Activating the hybrid web for fingerprint and fingerprint settlement in which the customer client is installed, acquiring the first fingerprint and the fingerprint information of the customer through the first fingerprint and the fingerprint recognizer of the customer client, And providing fingerprint information to the fingerprint and fingerprint settlement service server through the communication network; The fingerprint and fingerprint settlement service server stores and registers first fingerprint and fingerprint information provided from the client client in a database and transmits first fingerprint and fingerprint information to the credit card company server through the communication network; Matching the first fingerprint and fingerprint information transmitted from the fingerprint and fingerprint settlement service server with the payment means of the registered customer, and registering the same; The second fingerprint and the fingerprint information of the customer are recognized from the second fingerprint and the fingerprint recognizer of the merchant client connected to the communication network and the second fingerprint and the fingerprint information and the payment information according to the occurrence of the transaction A fingerprint and a fingerprint payment service server to request payment approval; Comparing the second fingerprint and fingerprint information transmitted from the merchant client with the first fingerprint and the fingerprint information registered in the database and determining the customer authentication by the fingerprint and fingerprint settlement service server; If it is determined that the registered first fingerprint and fingerprint information match the second fingerprint and the fingerprint information, the fingerprint and fingerprint settlement service server transmits the fingerprint and the fingerprint information to the payment means of the customer matched with the first fingerprint and the fingerprint information Requesting payment approval to the credit card company server so that the credit card issuer server performs payment approval; When the settlement is approved through the payment means of the customer corresponding to the first fingerprint and the fingerprint information requested by the credit card company server, notifying the merchant client that the payment has been approved by the fingerprint and fingerprint settlement service server A scan panel 250 for simultaneously photographing the fingerprint and the finger vein is provided on the upper part of the scan panel upper case 201a as the integrated image capture authentication device 200a capable of photographing the fingerprint and the finger vein, 250 are formed with finger holders 252 so that the fingers can be placed on the finger holders 252. The recognition parts of the fingers are formed in a noncontact manner by the grooves 272 at the center of the finger holders 252, A fingerprint pattern and a fingerprint pattern can be alternatively recognized by the fingerprint sensor 240 (240) 241 and the visible light source unit 242, Using a method of electronic payment systems.

In the present invention, the first fingerprint and the fingerprint information obtained through each of the first fingerprint and the fingerprint recognizer of the customer client and the second fingerprint and the fingerprint recognizer of the merchant client, Providing the fingerprint information to the fingerprint and fingerprint settlement service server through the communication network; And further provides the fingerprint and fingerprint settlement service server with the acquired first fingerprint and fingerprint information and second fingerprint and fingerprint information when the temperature of the flow of the customer's finger is further detected and there is no abnormality And a method for processing an electronic payment system using fingerprint recognition.

As described above, the electronic settlement system using the fingerprint and finger vein recognition of the present invention provides an electronic settlement service using fingerprint authentication to substitute a credit card settlement through a mobile application, Security, and convenience.

Further, the electronic payment system using fingerprint and fingerprint recognition of the present invention includes a fingerprint recognizer that can be detachably attached to a customer client and an affiliate shop client to register or authenticate the fingerprint information, It is possible.

Further, the electronic payment system using the fingerprint and fingerprint recognition of the present invention can provide convenience to the user since the fingerprint information with high security can be utilized as the payment means.

In addition, since the contact type sensor has been developed in a noncontact manner in the case of a fingerprint or a finger vein, there is an effect of completely solving the problem of hygiene that must be paid after the terminal used first by another person.

Furthermore, the convergence technology that can authenticate fingerprint and fingerprint at the same time is completed, so that there is more perfect security effect.

1 is a block diagram illustrating a network configuration of an electronic payment system for providing a fingerprint and / or a fingerprint settlement service according to the present invention;
2 is a block diagram showing a configuration of a client client shown in FIG.
FIG. 3 is a block diagram showing the configuration of the fingerprint and / or fingerprint settlement service server shown in FIG. 1
4 is a flowchart showing the processing procedure of the electronic settlement system according to the present invention.
5 is a diagram showing an external electronic configuration example of the authentication apparatus 1200 as a first embodiment of the present invention
Fig. 6 is a view showing a fingerprint face (a) and a side face (b) of the same finger taken by the finger vein image sensor and the finger fingerprint image sensor
7 is a block diagram of an internal electronic configuration example of a fingerprint and / or finger vein authentication device 1200 according to a preferred embodiment of the present invention
8 is a diagram showing an external electronic configuration example of the authentication apparatus 200a as a second embodiment of the present invention
9 is a diagram showing an external configuration example of the authentication apparatus 200b as a third embodiment of the present invention.
10 is a block diagram illustrating a network configuration of an electronic payment system for providing fingerprint and / or fingerprint settlement services according to the hybrid web of the present invention
11 is a block diagram showing a configuration of a client client shown in FIG. 10
12 is a flowchart showing a processing procedure of an electronic settlement system according to the hybrid web of 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.

1 is a block diagram illustrating a network configuration of an electronic payment system for providing fingerprint and / or fingerprint settlement services according to the present invention.

Referring to FIG. 1, the electronic payment system 2 using the fingerprint and / or vein recognition of the present invention recognizes fingerprints and / or fingerprints so that electronic payment can be performed in place of credit card payment of customers, , And the settlement is made through fingerprint and / or finger vein authentication of the customer's identity at the time of electronic payment such as a credit card, a debit card, a check card, and a bank transfer which the customer has conventionally provided.

To this end, the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint and / or fingerprint settlement service server 100, a plurality of customer clients 200, a credit card company server 300, Merchants < / RTI >

The fingerprint and / or fingerprint settlement service server 100 registers a fingerprint and / or fingerprint information of the customer from the customer client 200 and prints a fingerprint or a fingerprint for authenticating the fingerprint and / And a Fingerprint payment application 110. The Fingerprint application 110 processes the mutual electronic settlement through the communication network 10 between the customer client 200, the merchant client 400 and the credit card company server 300. [

The customer client 200 is provided as a portable mobile terminal such as a smart phone or a tablet computer and is provided with a fingerprint and / or finger vein recognizer 210). In this embodiment, the fingerprint and / or finger vein recognizer 210 is provided in a module form inside the customer client 200, but as shown in FIG. 2, the customer client 200 and the detachable independent device . The customer client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10 to download the fingerprint and / or fingerprint payment application 110 and install the fingerprint and / or fingerprint payment application 110 therein.

The customer client 200 also activates the fingerprint and / or fingerprint payment application 202 (FIG. 2) to scan the fingerprint and / or fingerprint information thereof via the fingerprint and / or fingerprint recognizer 210, The scanned fingerprint and / or fingerprint information may be provided to the fingerprint and / or fingerprint settlement service server 100 via the two network 10 to provide a virtual payment means, such as a virtual payment credit card , A virtual payment account, and the like. Of course, the fingerprint and / or fingerprint information of the customer client 200 registered in the fingerprint or / and the PDA server 100 may be used for authentication of the credit card, debit card, check card, And can be registered for verification.

The credit card company server 300 issues the virtual payment means corresponding to the fingerprint or / and the fingerprint information of the customer client 200, and determines whether or not the payment has been approved by using the fingerprint and / or the fingerprint information, The fingerprint settlement service server 100 provides the determination result. Of course, the credit card company server 300 may be provided with a fingerprint of the customer client 200 for authentication and identification of other payment means corresponding to the customer client 200, such as credit card, debit card, check card and transaction account information, and / Finger vein information can be used.

The merchant client 400 is equipped with a POS terminal, a personal computer (PC), or the like, which is provided in an affiliate store that sells a product or service through an on-off line. The merchant client 400 includes a fingerprint and / or finger vein recognizer 410 for recognizing fingerprint and / or fingerprint information of the customer. When the merchant client 400 purchases a product or a service from a customer of the customer client 200, the merchant client 400 transmits the fingerprint and / or fingerprint information of the customer through the fingerprint and / or the finger vein recognizer 410 And sends the scanned fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to request payment approval. The merchant client 400 confirms the settlement approval through the fingerprint and / or the fingerprint settlement service server 100 when the settlement for the settlement amount is approved from the credit card company server 300 (or another settlement system) .

2 is a block diagram showing the configuration of the client client shown in FIG. 1, and FIG. 3 is a block diagram showing the configuration of the fingerprint and / or FPC service server shown in FIG. 1. Referring to FIG.

Referring to FIG. 2, the customer client 200 of this embodiment is provided as a smartphone, and a fingerprint and / or a fingerprint payment app 202 is installed therein. The fingerprint and / or FPC application 202 are downloaded and installed from the fingerprint and / or FPC service server 100 through a communication network.

The smartphone 200 activates the fingerprint and / or fingerprint payment application 202 to register the fingerprint and / or fingerprint information of the customer himself / herself in the fingerprint and / or fingerprint payment service server 100. To this end, the smartphone 200 is attached with a fingerprint and / or finger vein recognizer 210. This may be accomplished by using fingerprints and / or fingerprints to eliminate the economic burden of purchasing the fingerprint and / or vein recognizer 210 and actively encouraging the use of the fingerprint and / When the fingerprint and / or the finger vein recognizer 210 is provided at a transaction site at a service company, a franchise shop or a credit card company of the fingerprint settlement service server 100 and registers and uses a fingerprint and / or a payment means using a fingerprint, And is provided in a detachable form mounted on the smart phone 200.

The fingerprint and / or finger vein recognizer 210 receives the finger vein information to authenticate the customer by recognizing the hemoglobin pattern of the vein by projecting near infrared rays or the like on the vein of a finger that is easy to use among the veins of the customer. 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 fingerprint and / or finger vein recognizer 210 may include a controller 212 for controlling all operations of the fingerprint and / or finger vein recognizer 210, a fingerprint scanner 210 for acquiring the fingerprint and / A memory 216 that stores fingerprints and / or fingerprint information obtained from the scanner 214, a fingerprint that is scanned from the scanner 214, and / or fingerprint information and / An LCD module 218 for displaying a processing procedure of the MAC recognizer 210 and an interface module 220 for providing the fingerprint and / or fingerprint information, which is connected to the smartphone 200 and acquired from the scanner 214, (220).

When fingerprint and / or finger vein information is acquired from the scanner 214, the fingerprint and / or vein recognizer 210 may include a temperature sensor 222 for sensing the temperature of the finger and a blood flow recognition sensor (224). For example, the temperature sensor 222 and the blood flow recognition sensor 224 may use a fingerprint and / or a fingerprint image to complement and solve a problem that can scan the fingerprint and / The MAC recognizer 210 recognizes the temperature of the finger and the flow of the blood flow along with the fingerprint and / or finger vein information obtained from the scanner 214, and if the finger recognizes that there is no abnormality, the fingerprint obtained from the scanner 214 and / And processes the fingerprint information to be provided to the smartphone 200.

The configuration of the fingerprint and / or finger vein recognizer 210 is substantially similar to or the same as the fingerprint of the merchant client 400 and / or the vein recognizer 410. Therefore, the detailed description of the fingerprint and / or the finger vein recognizer 410 of the merchant client 400 will be omitted.

3, the fingerprint and / or fingerprint settlement service server 100 according to this embodiment includes a controller 102, a communication unit 104, and a fingerprint and / or fingerprint payment app 110 A storage unit (not shown), and a database 120. Also, the fingerprint and / or fingerprint settlement service server 100 includes components of a typical computer system, for example, a central processing unit, a memory device, an input / output device, and a storage device,

The communication unit 104 is connected to the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 via the communication network 10, .

The control unit 102 controls and processes all operations of the fingerprint and / or fingerprint settlement service server 100. The control unit 102 may include software such as an operating system program, a control program, and the like, as well as hardware such as a central processing unit, a memory or a web server,

The control unit 102 processes the member registration from each of the customer client 200 and the merchant client 400 using the fingerprint and / or the FPC application 110, / And the fingerprint information, and when the fingerprint and / or fingerprint information of the customer is transmitted from the merchant client 400, the fingerprint and / or fingerprint information of the registered customer is compared and analyzed to authenticate the customer Make sure that the payment is made. The controller 102 controls processes of the fingerprint or / and the FPC APP 110, and a detailed description thereof will be described with reference to FIG.

The fingerprint and / or FPC application 110 are stored in a storage unit (not shown) of the fingerprint and / or FMC service server 100, processed under the control of the control unit 102, And various information generated in accordance with the process is stored in the database 120. FIG. The fingerprint and / or fingerprint payment application 110 is provided in the form of a mobile application in this embodiment and is installed in the customer client 200. Of course, the fingerprint and / or fingerprint payment app 110 may be provided in the form of a web browser.

In this embodiment, the fingerprint and / or fingerprint payment app 110 includes a fingerprint and / or fingerprint registration module 112 for processing fingerprint and / or fingerprint information of the customer from the customer client 200, When the fingerprint and / or fingerprint information of the customer is transmitted from the client 400, the fingerprint and / or the fingerprint and / or the fingerprint, which compares the fingerprint and / or the fingerprint information of the registered customer with the registered customer, And a payment module 114.

Accordingly, the fingerprint and / or FPC application 110 receives the fingerprint and / or fingerprint information from the customer client 200 and registers the fingerprint and / or fingerprint information in the database 120. The fingerprint and / When the MAC information is transmitted, it is compared with the fingerprint and / or fingerprint information of the customer registered in the database 120, and the customer is authenticated and the payment is made through the payment means matched with the fingerprint and / or the fingerprint information .

The database 120 stores various information according to the processing of the fingerprint and / or the FPC APP 110 under the control of the control unit 102. In this embodiment, the database 120 is provided inside the fingerprint and / or fingerprint settlement service server 100, but may be provided as a separate database server.

The database 120 of this embodiment stores customer information 122, fingerprint and / or fingerprint information 124, credit card matching information 126, payment information 128 and merchant information 130 .

The customer information 122 includes information such as a name, an authorized mobile phone number, and the like of the customer inputted when the customer client 200 activates the fingerprint and / or the FPC application 202 to register as a member Contacts, passwords, email addresses, and the like.

The customer information 122 may further include information on previously issued payment means, for example, a credit card, a debit card, a check card, and a transaction account.

Fingerprint and / or fingerprint information 124 are registered corresponding to the customer information 122. [ The fingerprint and / or fingerprint information 124 is obtained from the fingerprint of the customer client 200 and / or the finger vein recognizer 210 and is transmitted from the customer client 200 via the communication network 10 to the fingerprint and / And is provided to the settlement service server 100. Therefore, the fingerprint or / and the fingerprint information 124 registered in the fingerprint and / or the fingerprint settlement service server 100 may correspond to one payment means (for example, virtual payment means) Credit card, transaction account, etc.).

The credit card matching information 126 includes matching information for one payment means (e.g., a virtual payment means) and / or a payment means issued to the fingerprint of the customer or / and the fingerprint information 124 do. The payment information 128 is transmitted from the fingerprint of the merchant client 400 and / or the fingerprint and / or fingerprint information transmitted from the fingerprint recognizer 410 to fingerprint and / or fingerprint information 124 registered from the customer client 200 And if they match, it includes the settlement request and the approved contents, for example, settlement date, settlement amount, and settlement history in the merchant client 400. The merchant information 130 includes member information about the merchant registered in the fingerprint service and / or the FTC service server 100, for example, a merchant name, a contact address, and the like.

Therefore, the fingerprint and / or fingerprint settlement service server 100 of the present invention receives the fingerprint and / or fingerprint information 124 from the customer client 200 via the communication network 10 and registers the fingerprint and / or fingerprint information 124 in the database 120, When fingerprint and / or fingerprint information of the customer and payment request are received from the merchant client 400, the fingerprint and / or fingerprint information is compared with the registered fingerprint and / or the fingerprint information, The credit card company server 300 requests payment approval from the credit card company server 300. If the payment is approved by the credit card company server 300, the customer client 200 and the merchant client 400 inform the user that payment has been made.

And FIG. 4 is a flowchart showing the processing procedure of the electronic settlement system according to the present invention. This procedure is a program that is processed by the fingerprint and / or fingerprint settlement service server 100 according to the present invention, and the program is provided as a fingerprint and / or a fingerprint payment app, and the fingerprint and / (Not shown) of the client 100 and installed in the customer client 200. The fingerprint and / or the FPC application 110 are processed in association with the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 .

Referring to FIG. 4, the electronic payment system 2 of the present invention provides the fingerprint and / or fingerprint payment app 110 to the fingerprint and / or fingerprint settlement service server 100 at step S150. In step S152, the customer 2 client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10, downloads the fingerprint and / or fingerprint payment application 110, and installs the fingerprint and / .

In step S154, the customer client 200 activates the installed fingerprint and / or fingerprint payment application 202 and acquires the fingerprint and / or fingerprint information of the customer through the fingerprint and / or fingerprint recognizer 210 , And provides the obtained fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10. In step S156, the fingerprint or / and the FMC service server 100 stores and registers the fingerprint and / or fingerprint information provided from the customer client 200 in the database 120. [ At this time, the fingerprint and / or fingerprint settlement service server 100 transmits the fingerprint and / or fingerprint information to the credit card company server 300 through the communication network 10.

In step S158, the credit card company server 300 matches the fingerprint and / or fingerprint information transmitted from the fingerprint and / or the fingerprint settlement service server 100 to the payment means of the customer registered in the credit card company server 300, Or a credit card, a debit card, a check card, a transaction account, etc. issued from the credit card company server 300 in correspondence with each other. Therefore, through the above-described steps S150 to S158, the customer client 200 is registered to enable electronic payment processing for the fingerprint and / or fingerprint information.

When a commercial transaction occurs in the merchant in step S160, the fingerprint and / or fingerprint information of the customer is recognized from the fingerprint of the merchant client 400 and / or the fingerprint recognizer 410. In step S162, And payment information to the fingerprint and / or fingerprint settlement service server 100 to request payment approval according to the commercial transaction.

In step S164, the fingerprint and / or fingerprint settlement service server 100 compares the fingerprint and / or fingerprint information transmitted from the merchant client 400 with the fingerprint and / or fingerprint information registered in the database 120 and analyzes Thereby determining the authentication status of the customer. If the two fingerprints or / and the fingerprint information are matched, the fingerprint and / or the fingerprint settlement service server 100 confirms payment to the credit card company server 300 so that payment is made to the corresponding payment means of the customer in step S166 And if the two fingerprints or / and the fingerprint information do not match as a result of the determination, the franchisee client 400 informs the approval rejection and reason for rejection.

If the credit card company server 300 approves payment through the payment means corresponding to the fingerprint requested and / or the fingerprint information in step S168, the fingerprint and / or fingerprint payment service server 100 and the fingerprint and / To indicate that the payment has been approved. In step S170, the fingerprint and / or FSA service server 100 transmits a payment approval result to the customer client 200. In step S172, the franchise client 400 confirms that the payment has been approved. Then, in step S174, (200) confirms that the payment has been approved.

Accordingly, the electronic payment system 2 using the fingerprint and / or fingerprint authentication of the present invention registers the fingerprint and / or fingerprint information of the customer in the fingerprint and / or fingerprint payment service server 100, Fingerprint and / or fingerprint information at the time of occurrence of a commercial transaction from the payment server 400, and processes the settlement through settlement means matched with the fingerprint and / or the fingerprint information of the customer.

In the following, it will be understood the technique capable of mounting a fingerprint and / or vein pattern on a card by understanding the device capable of simultaneously recognizing fingerprints and / or fingerprints developed by the present inventor.

FIG. 5 is a diagram showing an example of an external electronic configuration of the authentication device 1200 of the present invention, and FIG. 6 is a diagram showing an example of an external electronic configuration of the authentication device 1200 of the present invention, b).

In FIG. 6, reference numeral 1a denotes a fingerprint between finger segments or / and a finger vein, 1b denotes a node of a finger, and 1c denotes a fingerprint portion.

An integrated image capturing apparatus 1200 capable of capturing a fingerprint, a fingerprint, and / or a finger vein, wherein the object accommodating unit 1201 includes a scan panel upper case 1201a forming upper and lower finger seats, And a scan panel 1250 for simultaneously photographing fingerprints and / or fingerprints made of a transparent material such as glass or acrylic on the upper part of the upper case 1201a of the scan panel, The scan panel 1250 is formed with a fingerprint finger contact portion 1250a and a fingerprint finger and / or finger finger non-contact portion 1250b at their front and rear ends.

The finger pad of the scan panel 1250 and / or the finger-finger non-contact portion 1250b are formed on the edge of the groove side wall 1251 so that the finger can be formed as a groove, The finger grip portion 1252 is formed to be in balance with the fingerprint finger contact portion 1250a.

Further, by forming the temperature sensor 1275 for sensing the temperature of the flow of the finger in front of the fingerprint and / or finger vein finger non-contact portion 1250b against the fingerprint finger contact portion 1250a of the scan panel 1250, When the finger is landed, the temperature of the blood flow of the finger is sensed and the operation is enabled by the sensed temperature.

In addition, on one side, an infrared side surface case portion 1260 is formed in a length to accommodate the infrared side surface emitting portion 1260a so that the side surface can be photographed to more accurately capture the fingerprint and / or the vein.

The scan panel lower case 1201b is formed as a space capable of accommodating electrical components.

A finger resting rim 1253 on which a finger can be seated is formed.

Accordingly, in a first embodiment of the present invention, the user initiates a fingerprint and / or fingerprint authentication by placing a finger object on the scan panel 250, and when the fingerprint and / or fingerprint authentication by the device is initiated, The infrared light source unit 1240 and the line-of-sight light source unit 1242 irradiate infrared rays and visible rays toward the finger object.

Then, a plurality of image sensors photograph fingerprints, fingerprints and / or finger veins of the irradiated finger, respectively.

In the first embodiment of the present invention, the integrated image sensing apparatus 1200 has two image sensors 1220 and 1230 incorporated therein. The finger vein image sensor 1230 is installed in the object accommodating unit 1201 and captures the finger vein of the object from the bottom toward the scan panel 1250. [ At the same time, the fingerprint image sensor 1220 is installed in the same object accommodating portion 1201 to photograph the fingerprint of the object.

As a second embodiment of the present invention, the user places a finger object on the scan panel 1250 to start fingerprint authentication and / or fingerprint authentication, and when fingerprint authentication and / or fingerprint authentication by the device is initiated, (1240) 1241 and the line-of-sight light source 1242 irradiate infrared rays and visible rays toward the finger object.

Then, the image sensor captures fingerprints and finger veins of the irradiated finger, respectively.

In the second embodiment of the present invention, three image sensors 1220, 1230 and 1231 are incorporated in the integrated photographing authentication apparatus 1200. The finger vein image sensors 1230 and 1231 are built in the object accommodating unit 1201 and take a finger vein of the object from the lower side and the side surface toward the scan panel 1250. [ At the same time, the fingerprint image sensor 1220 is installed in the same object accommodating portion 1201 to photograph the fingerprint of the object.

In one preferred embodiment of the present invention, the finger vein image sensor 1231 and the finger fingerprint image sensor 1220 simultaneously capture finger vein fingerprint and finger fingerprint and use both finger vein information as biometric information, In order to measure, the error range can be reduced to the maximum number of squares per day.

In the preferred embodiment of the present invention, the finger vein image sensor 1231 and the finger fingerprint image sensor 1220 can take a finger vein fingerprint and a finger vein fingerprint at one time, The fingerprint and finger vein images can be simultaneously obtained by one finger at the same time by capturing from the side of 90 degrees, and the same error range reduction effect can be obtained. When shooting the side of your finger, roll your finger 90 degrees to the side of the scan panel with your fingers on the scan panel.

7 shows an example of an internal electronic configuration of fingerprint and / or venous imaging authentication device 1200 according to some preferred embodiments of the present invention.

The integrated imaging authentication apparatus 1200 of the present invention includes an infrared light source unit 1240, a finger vein image sensor 1230, a fingerprint image sensor 1220, a digital conversion unit 1290, a decryption algorithm unit 1260, A storage 1270 and a display portion 1280.

Although not shown in the drawings, the power supply unit, the communication unit, and various I / O devices may be included.

The infrared light source unit 1240 irradiates infrared light toward the object accommodating unit. Preferably one or more LEDs emitting infrared light having a wavelength of 630 to 1,000 nm suitable for imaging the finger vein image. In addition, preferably, an optical filter is provided to remove the light noise.

The line-of-sight light source unit 1242 irradiates visible light toward the object accommodating unit. And may be constituted by one or more LEDs by emitting ultraviolet light of a suitable wavelength for photographing the fingerprint of the finger surface.

In addition, in one embodiment of the present invention, one infrared light source unit 1240 and one line-of-sight light source unit 1242 may be provided for irradiating the infrared light and the visible light toward the object accommodating unit.

The infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object accommodating unit 1101 so that infrared rays and visible rays can reach the object evenly.

In a preferred embodiment of the present invention, the finger vein image sensor 1220 (1230) acquires a finger vein image for one finger object on the bottom and sides.

In another preferred embodiment of the present invention, finger vein image sensor 1230 obtains a finger vein surface and a side vein image for one finger object.

As shown in Figs. 6 (a) and 6 (b), the angle at which the infrared rays are respectively taken from the inner surface and the side of one finger.

When the side image is photographed according to the number of the finger image sensors 1220 and 1230, the fingers are rotated 90 degrees to the side as they are, So that it touches the scan panel. The order of photographing of the fingerprint face and the side face of the finger of the finger may be reversed.

Digital converter 1290 receives both the fingerprint image and / or the finger vein image and the finger fingerprint image to extract finger vein and finger fingerprint image. Digital converter 1250, the present invention obtains a finger vein fingerprint image and a fingerprint fingerprint image file.

The control unit 1210 causes the digital conversion unit 1290 to transfer the converted image files to the matching algorithm unit 1260.

The biometric information data store 1270 stores biometric information of a user stored in advance. In some embodiments of the present invention, the biometric information data store 1270 can be built in the authentication device 1200 internal memory.

The biometric information data store 1270 can use a crypto-processor that can be protected from external hardware, software attack or theft.

The matching algorithm unit 1260 acquires the user data stored in the biometric information data storage 1270 and determines whether the user biometric information value acquired by the digital conversion unit 1290 matches the user biometric information value. If they match, the display unit 1280 can output a success message. If the decryption is unsuccessful, the authentication failure message may be output to the display unit 1280.

The control unit 1210 controls operations and functions of the authentication device 1200.

In particular fingerprint and / or finger vein image acquisition, processing, authentication operations and authentication results. Various software may be used in connection with the processing and calculation of the acquired fingerprint and / or finger vein image.

For example, a Canny edge detector algorithm can be used. By applying a Gaussian filter, the noise of the original image can be removed as a whole. Edge the image through the Image Gradient. That is, a sketch line of the image is extracted. Apply non-maximum suppression to thin edges (sketch lines), apply double thresholds to classify dark edges as solid edges, and faint edges as noise and classify them as weak edges . Finally, the weak edges are deleted, only the definite edges are left, and finally the coronal images of the veins are output.

The authentication device of the present invention greatly reduces the false recognition rate by, for example, authenticating the fingerprint image of the finger and the fingerprint data at the same time.

In the present invention, a method of authenticating using one finger is described, but the same mechanism can be applied to fingerprint and / or fingerprint of three fingers for stability of images and the like.

8 is a diagram showing an external electronic configuration example of the authentication device 200a as a second embodiment of the present invention.

5, in the fingerprint recognition unit according to the second embodiment, three image sensors 1220, 1230, and 1231 (not shown) are attached to the integrated imaging authentication apparatus 1200, A fingerprint recognition module 250aa is formed in place of the dual fingerprint image sensor 1220 to provide a method of determining a fingerprint by contacting a fingerprint.

The fingerprint recognition module 250aa has a multi-layer thin plate structure. A fingerprint recognition layer is formed on the upper layer of the fingerprint authentication module. A temperature and blood flow sensing authentication layer is formed on the fingerprint recognition module, It can be formed so as to start its operation afterwards.

As shown in FIG. 8, the present invention is an integrated photographic authentication device 200 capable of photographing a fingerprint and a finger vein. The object accommodating unit 201 includes a scan panel upper case 201a forming a finger- And a scan panel lower case 201b for receiving the full length of the scan panel upper case 201a. A scan panel 250 for photographing a fingerprint and a finger vein, which are made of a transparent material such as glass or acrylic, And the scan panel 250 is formed with the fingerprint finger contact portion 250a and the finger finger noncontact portion 250b at their front and rear ends.

Finger pad non-contact portion 250b of the scan panel 250 is formed at the edge of the groove side wall 251 so that the finger pad non-contact portion 250b can be formed as a groove, Is formed so as to be in balance with the fingerprint finger contact portion 250a.

The temperature sensor 275 for sensing the temperature of the flow of the finger is formed in front of the finger finger non-contact portion 250b so as to face the finger finger contact portion 250a of the scan panel 250, The temperature of the finger and the flow of the blood flow are sensed and the finger vein can be recognized by the detected temperature and flow.

In addition, on one side, an infrared side surface case portion 260 for receiving the infrared side surface emitting portion 260a is formed in a length so that the side surface can be photographed in order to photograph the vein more accurately.

The scan panel lower case 201b is formed as a space capable of accommodating electrical components.

In addition, a finger-seating edge 253 on which a finger can be seated is formed.

Accordingly, in the first embodiment of the present invention, the user places the finger object on the scan panel 250 to start finger vein authentication, and when the finger vein authentication by the device is started, the infrared light source unit 240) 241 are selectively formed to irradiate the infrared rays toward the finger object.

Then, a plurality of image sensors capture fingerprints and finger veins of the irradiated fingers, respectively.

In the second embodiment of the present invention, the integrated image sensing apparatus 200a includes two image sensors 230 and 231 therein. The finger vein image sensor 230 is installed inside the object accommodating unit 201 and captures the finger vein of the object from the lower portion toward the scan panel 250.

When finger vein authentication using the side surface of the finger or the direction of the finger is changed by design and is set at an angle of 90 degrees, the image sensor 231 is placed inside the infrared side surface case 260 formed on the side of the object accommodating portion 201 And captures the finger vein of the object on the side toward the scan panel 250. [

The fingerprint recognition module 250aa formed on the fingerprint finger contact portion 250a of the scan panel 250 simultaneously provides a method of determining a fingerprint only by touching the fingerprint.

The size of the fingerprint recognition module 250aa is about 1 cm * 1 cm * 0.3 cm and the recognition rate is excellent even if it is attached anywhere.

As a second embodiment of the present invention, the user starts finger vein authentication by placing a finger object on the scan panel 250, and when the finger vein authentication by the device is started, the infrared ray source part 240 (241) Infrared rays are irradiated toward the object.

Then, the image sensor captures fingerprints and finger veins of the irradiated finger, respectively.

In the second embodiment of the present invention, the integrated image sensing apparatus 200a includes two image sensors 230 and 231 therein. The finger vein image sensors 230 and 231 are built in the object accommodating unit 201 and take a finger vein of the object from the lower side and the side face toward the scan panel 250. [ At the same time, the fingerprint recognition module 250aa is installed in the same object accommodating unit 201 to photograph the fingerprint of the object.

In one preferred embodiment of the present invention, the finger vein image sensor 230 and the fingerprint recognition module 250aa simultaneously capture finger vein fingerprint and finger fingerprint and use both fingerprint and biometric information, , It is possible to reduce the error range to a maximum of the number of squares.

In the preferred embodiment of the present invention, the finger vein image sensor 230 and the finger fingerprint image sensor 220 can take a finger vein fingerprint and a finger vein fingerprint at one time, Horizontal, or 90 degrees, the fingerprint and finger vein images can be simultaneously obtained by one finger, and the same error range reduction effect can be obtained.

Fig. 9 is a fragmentary view showing an external electronic configuration example of the authentication device 200b as a third embodiment of the present invention.

As shown in FIG. 9, the present invention is an integrated photographing authentication apparatus 200b capable of photographing a fingerprint and a finger vein, wherein a finger and a recognition section are formed in a noncontact manner, and one infrared sensor and a visible ray The present invention relates to an electronic configuration capable of recognizing a finger vein pattern and a fingerprint pattern by a light source unit and storing the finger vein pattern in its own server or transmitting it to a separate server.

The object accommodating unit 201 of the integrated photographing authentication apparatus 200b includes a scan panel upper case 201a and a scan panel lower case 201b for accommodating a full-length portion of the scan panel, A scan panel 250 for simultaneously photographing a fingerprint and a finger vein made of a transparent material such as glass or acrylic is provided on the upper case 201a. The scan panel 250 includes fingerprint finger non-contact subareas 2250a, Finger finger non-contact subareas 2250b are formed in the grooves 272. [

The finger pad non-contact portion 2250b of the scan panel 250 is formed at the edge of the groove side wall 251 so as to be formed as a groove, and the finger pad 252, The finger fingertip catching portion 2250 is formed so as to catch only the fingertips.

In addition, by forming the temperature sensor 275 for sensing the temperature of the flow of the finger in front of the finger-finger-non-contact subareas 2250b in opposition to the fingerprint finger-free subareas 2250a of the scan panel 250, The temperature of the finger and the flow of the blood flow are sensed and the finger vein can be recognized by the detected temperature and flow.

The infrared side surface emitting part case 260 for receiving the infrared ray side emitting part 260a by the infrared ray light source part 241 is formed on one side so as to be able to take a side view in order to accurately photograph the vein.

The scan panel lower case 201b is formed as a space capable of accommodating electrical components.

In addition, a finger-seating edge 253 on which a finger can be seated is formed.

Accordingly, in the third embodiment of the present invention, the user starts the finger vein authentication by placing the finger object on the scan panel 250, and when the finger vein authentication by the device is started, the infrared ray source part 240 ) 241 and the fingerprint reading visible ray tube circular portion 242 alternately irradiate the infrared ray and the visible ray toward the finger object.

The image sensor 230 alternately captures fingerprints or finger vein patterns, which are respectively displayed on the basis of a plurality of visible rays and infrared rays, on the fingerprint and finger vein patterns of the irradiated fingers.

With such a configuration, the technical effect of utilizing a plurality of conventionally used image sensors as one image sensor is remarkable in terms of usability and economy.

In the third embodiment of the present invention, a single image sensor 230 is incorporated in the integrated imaging authentication apparatus 200b. The finger vein image sensor 230 is installed inside the object accommodating unit 201 and captures the finger vein of the object from the lower portion toward the scan panel 250. Further, the finger vein image sensor 230 photographs the finger fingerprint at a time difference.

In the third embodiment of the present invention, the user starts the finger vein authentication by placing the finger object on the scan panel 250, and when the finger vein authentication by the device is started, the infrared light source unit 240 (241) And the line-of-sight light source unit 242 alternately irradiate the infrared rays and the visible rays toward the finger object and photograph the fingerprints and the finger veins of the fingers irradiated with the image sensor 230, respectively.

The infrared light source units 240 and 241 are formed on the upper side and the lower side, respectively. The infrared light sources 240 and 241 may be formed of any one of them, and two infrared light sources 240 and 241 may be used simultaneously. .

The infrared ray filtering film for the image sensor 230, which is conventionally applied, may be designed to avoid the irradiation path of the visible rays at the finger vein position of the finger portion or the front portion of the image sensor 230, if necessary.

In a preferred embodiment of the present invention, the finger vein image sensor 230 photographs a finger vein fingerprint and finger fingerprint images at the same time and uses both of them as biometric information to measure one fingerprint or finger vein It is possible to reduce the error range to the maximum as compared with each shot.

In the preferred embodiment of the present invention, the finger vein image sensor 230 can alternately photograph the finger vein finger vein and the finger vein fingerprint at one time. The finger vein can be photographed horizontally or 90 degrees from the finger fingerprint plane, The fingerprint and the finger vein image can be simultaneously obtained by one finger and the same error range reduction effect can be obtained.

The following describes a technique in which the present invention is applied to a hybrid web.

FIG. 10 is a block diagram illustrating a network configuration of an electronic payment system for providing fingerprint and / or fingerprint settlement services according to the hybrid web of the present invention, FIG. 11 is a block diagram illustrating a configuration of a customer client shown in FIG. And FIG. 12 is a flowchart showing the processing procedure of the electronic settlement system according to the hybrid web of the present invention.

10 is a block diagram illustrating a network configuration of an electronic payment system for providing fingerprint and / or fingerprint settlement services according to the present invention.

Referring to FIG. 10, the electronic payment system 2 using the fingerprint and / or vein recognition of the present invention recognizes fingerprints and / or fingerprints so that electronic payment can be performed in place of credit card payment of customers, , And the settlement is made through fingerprint and / or finger vein authentication of the customer's identity at the time of electronic payment such as a credit card, a debit card, a check card, and a bank transfer which the customer has conventionally provided.

To this end, the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint and / or fingerprint settlement service server 100, a plurality of customer clients 200, a credit card company server 300, Merchants < / RTI >

The fingerprint and / or fingerprint settlement service server 100 registers a fingerprint and / or fingerprint information of the customer from the customer client 200 and prints a fingerprint or a fingerprint for authenticating the fingerprint and / And the FMC hybrid web 110 to process mutual electronic settlement between the customer client 200, the merchant client 400 and the credit card company server 300 through the communication network 10 .

The customer client 200 is provided as a portable mobile terminal such as a smart phone or a tablet computer and is provided with a fingerprint and / or finger vein recognizer 210). In this embodiment, the fingerprint and / or finger vein recognizer 210 is provided in a module form inside the customer client 200, but as shown in FIG. 12, the customer client 200 and the detachable independent device . The customer client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10 to access the fingerprint and / or the FPCB 110.

Further, the customer client 200 activates the fingerprint and / or fingerprint payment application 202 (FIG. 12) to scan the fingerprint and / or fingerprint information thereof through the fingerprint and / or fingerprint recognizer 210, The fingerprint and / or fingerprint information scanned may be provided to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to provide a virtual payment means such as a virtual payment credit card, Virtual payment account, and so on. Of course, the fingerprint and / or fingerprint information of the customer client 200 registered in the fingerprint or / and the PDA server 100 may be used for authentication of the credit card, debit card, check card, And can be registered for verification.

The credit card company server 300 issues the virtual payment means corresponding to the fingerprint or / and the fingerprint information of the customer client 200, and determines whether or not the payment has been approved by using the fingerprint and / or the fingerprint information, The fingerprint settlement service server 100 provides the determination result. Of course, the credit card company server 300 may be provided with a fingerprint of the customer client 200 for authentication and identification of other payment means corresponding to the customer client 200, such as credit card, debit card, check card and transaction account information, and / Finger vein information can be used.

The merchant client 400 is equipped with a POS terminal, a personal computer (PC), or the like, which is provided in an affiliate store that sells a product or service through an on-off line. The merchant client 400 includes a fingerprint and / or finger vein recognizer 410 for recognizing fingerprint and / or fingerprint information of the customer. When the merchant client 400 purchases a product or a service from a customer of the customer client 200, the merchant client 400 transmits the fingerprint and / or fingerprint information of the customer through the fingerprint and / or the finger vein recognizer 410 And sends the scanned fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10 to request payment approval. The merchant client 400 confirms the settlement approval through the fingerprint and / or the fingerprint settlement service server 100 when the settlement for the settlement amount is approved from the credit card company server 300 (or another settlement system) .

11 is a block diagram showing the configuration of the client client shown in FIG.

Referring to FIG. 11, the customer client 200 of this embodiment is provided as a smart phone and connects to the fingerprint and / or FPCB hybrid web 202. The fingerprint and / or the FTC hybrid web 202 may be connected to the fingerprint and / or the FTC service server 100 through a communication network.

The smartphone 200 activates the fingerprint and / or fingerprint payment application 202 to register the fingerprint and / or fingerprint information of the customer himself / herself in the fingerprint and / or fingerprint payment service server 100. To this end, the smartphone 200 is attached with a fingerprint and / or finger vein recognizer 210. This may be accomplished by a fingerprint or / and fingerprint reader 210 in order to eliminate the financial burden of the customer purchasing the fingerprint and / or fingerprint recognizer 210 and to actively encourage the use of the fingerprint and / And a fingerprint and / or finger vein recognizer 210 at a service site, a franchise shop, or a credit card company of the fingerprint settlement service server 100 at the commerce site and registering and using the fingerprint and / , And is provided in a detachable form mounted on the smartphone 200.

The fingerprint and / or finger vein recognizer 210 receives the finger vein information to authenticate the customer by recognizing the hemoglobin pattern of the vein by projecting near infrared rays or the like on the vein of a finger that is easy to use among the veins of the customer. 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 fingerprint and / or finger vein recognizer 210 may include a controller 212 for controlling all operations of the fingerprint and / or finger vein recognizer 210, a fingerprint scanner 210 for acquiring the fingerprint and / A memory 216 that stores fingerprints and / or fingerprint information obtained from the scanner 214, a fingerprint that is scanned from the scanner 214, and / or fingerprint information and / An LCD module 218 for displaying a processing procedure of the MAC recognizer 210 and an interface module 220 for providing the fingerprint and / or fingerprint information, which is connected to the smartphone 200 and acquired from the scanner 214, (220).

When fingerprint and / or finger vein information is acquired from the scanner 214, the fingerprint and / or vein recognizer 210 may include a temperature sensor 222 for sensing the temperature of the finger and a blood flow recognition sensor (224). For example, the temperature sensor 222 and the blood flow recognition sensor 224 may use a fingerprint and / or a fingerprint image to complement and solve a problem that can scan the fingerprint and / The MAC recognizer 210 recognizes the temperature of the finger and the flow of the blood flow along with the fingerprint and / or finger vein information obtained from the scanner 214, and if the finger recognizes that there is no abnormality, the fingerprint obtained from the scanner 214 and / And processes the fingerprint information to be provided to the smartphone 200.

The configuration of the fingerprint and / or finger vein recognizer 210 is substantially similar to or the same as the fingerprint of the merchant client 400 and / or the vein recognizer 410. Therefore, the detailed description of the fingerprint and / or the finger vein recognizer 410 of the merchant client 400 will be omitted.

And FIG. 12 is a flowchart showing the processing procedure of the electronic settlement system according to the present invention. This procedure is a program that is processed by the fingerprint and / or fingerprint settlement service server 100 according to the present invention, and the program is linked with the fingerprint and / or the fingerprint settlement hybrid web, and the fingerprint and / (Not shown) of the server 100, and is installed in the customer client 200. This Fingerprint and / or FingerPrint hybrid web 110 is a system in which the customer client 200, the merchant client 400, the credit card company server 300 and the fingerprint and / or fingerprint settlement service server 100 are linked and processed do.

Referring to FIG. 12, the electronic payment system 2 of the present invention provides the fingerprint and / or FPCB 110 to the fingerprint and / or FPCB 100 in step S150. In step S152, the customer client 200 accesses the fingerprint and / or fingerprint settlement service server 100 through the communication network 10 and connects with the fingerprint and / or the FPCB 110. [

In step S154, the customer client 200 activates the installed fingerprint and / or the FPC hybrid web 202 and obtains the fingerprint and / or fingerprint information of the customer through the fingerprint and / or the finger vein recognizer 210 And provides the obtained fingerprint and / or fingerprint information to the fingerprint and / or fingerprint settlement service server 100 via the communication network 10. In step S156, the fingerprint or / and the FMC service server 100 stores and registers the fingerprint and / or fingerprint information provided from the customer client 200 in the database 120. [ At this time, the fingerprint and / or fingerprint settlement service server 100 transmits the fingerprint and / or fingerprint information to the credit card company server 300 through the communication network 10.

In step S158, the credit card company server 300 matches the fingerprint and / or fingerprint information transmitted from the fingerprint and / or the fingerprint settlement service server 100 to the payment means of the customer registered in the credit card company server 300, Or a credit card, a debit card, a check card, a transaction account, etc. issued from the credit card company server 300 in correspondence with each other. Therefore, through the above-described steps S150 to S158, the customer client 200 is registered to enable electronic payment processing for the fingerprint and / or fingerprint information.

When a commercial transaction occurs in the merchant in step S160, the fingerprint and / or fingerprint information of the customer is recognized from the fingerprint of the merchant client 400 and / or the fingerprint recognizer 410. In step S162, And payment information to the fingerprint and / or fingerprint settlement service server 100 to request payment approval according to the commercial transaction.

In step S164, the fingerprint and / or fingerprint settlement service server 100 compares the fingerprint and / or fingerprint information transmitted from the merchant client 400 with the fingerprint and / or fingerprint information registered in the database 120 and analyzes Thereby determining the authentication status of the customer. If the two fingerprints or / and the fingerprint information are matched, the fingerprint and / or the fingerprint settlement service server 100 confirms payment to the credit card company server 300 so that payment is made to the corresponding payment means of the customer in step S166 And if the two fingerprints or / and the fingerprint information do not match as a result of the determination, the franchisee client 400 informs the approval rejection and reason for rejection.

If the credit card company server 300 approves payment through the payment means corresponding to the fingerprint requested and / or the fingerprint information in step S168, the fingerprint and / or fingerprint payment service server 100 and the fingerprint and / To indicate that the payment has been approved. In step S170, the fingerprint and / or FSA service server 100 transmits a payment approval result to the customer client 200. In step S172, the franchise client 400 confirms that the payment has been approved. Then, in step S174, (200) confirms that the payment has been approved.

Accordingly, the electronic payment system 2 using the fingerprint and / or fingerprint authentication of the present invention registers the fingerprint and / or fingerprint information of the customer in the fingerprint and / or fingerprint payment service server 100, Fingerprint and / or fingerprint information at the time of occurrence of a commercial transaction from the payment server 400, and processes the settlement through settlement means matched with the fingerprint and / or the fingerprint information of the customer.

This technology can be applied by developing the technology that can be miniaturized most to the mobile which we use the most, and the cost is also the same as that of the fingerprint reader, It is a condition.

Although the present invention has been described in connection with the preferred embodiments thereof with reference to the accompanying drawings, it is to be understood that the invention is not limited to the disclosed embodiments, Various changes and modifications can be made without departing from the scope of the present invention.

2: Electronic payment system
10: Network
100: fingerprint and / or fingerprint payment service server
110: fingerprint and / or fingerprinting app
200: Customer Client
210: fingerprint and / or fingerprint recognizer
300: Credit card company server
400: Merchant client
410: fingerprint and / or fingerprint recognizer
1200: Integrated shot authentication device
1201:
1201a: scan panel upper case
1201b: scan panel lower case
1220, 1230, 1231: image sensor
1240, 1241: Infrared light source part
1242; Visible light source
1250: scan panel
1250a: fingerprint fingerprint
1250b: finger vein non-contact part
1260a: Infrared side transmitter
1260: Infrared side transmitter case

Claims (6)

An electronic payment system using fingerprint and fingerprint recognition, comprising:
A communication network;
A customer client connected to the communication network, the customer client obtaining first fingerprint and fingerprint information of the customer;
A merchant client connected to the communication network and acquiring second fingerprint and fingerprint information for the customer of the customer client when a transaction occurs;
The first fingerprint and the fingerprint information are received from the customer client through the communication network and are registered in correspondence with the payment means, and when the second fingerprint and the fingerprint information are transmitted from the merchant client, And a settlement service server for comparing the first fingerprint and the second fingerprint with the fingerprint information to process the customer and processing the settlement through the payment means corresponding to the first fingerprint and the fingerprint information, A scan panel 250 for simultaneously photographing a fingerprint and a finger vein is provided at an upper portion of a scan panel upper case 201a as an integrated image capture authentication device 200b capable of shooting, A finger recognition part 252 is formed so that the recognition part of the finger is formed in a noncontact form by the groove 272 in the central part, and one image sensor 230 And the fingerprint pattern can be recognized by the infrared light source unit 240 (241) and the visible light source unit (242) .
In the electronic payment system using the fingerprint and finger vein recognition by the non-contact type fingerprint recognizer, the integrated image capture authentication device 200a capable of capturing the fingerprint and the finger vein is provided with a fingerprint sensor The scan panel 250 is provided with a finger seating portion 252 for placing a finger thereon and the finger recognition portion of the finger is formed by the groove 272 at the central portion thereof And one image sensor 230 can selectively recognize a finger vein pattern and a fingerprint pattern by the infrared light source units 240 and 241 and the visible light source unit 242, Electronic payment system using contactless fingerprint and fingerprint recognition.
The method according to claim 1,
The electronic payment system includes:
Further comprising a credit card company server for accepting payment from the payment means if the payment means is a means corresponding to a credit card, Payment system.
The method according to claim 1 or 3,
The first fingerprint and finger vein information, the second fingerprint and the finger vein recognizer;
A temperature sensor for sensing a temperature of blood flow of the finger of the customer when the first fingerprint, finger vein information, second fingerprint and finger vein information are obtained from the scanner;
Wherein the first fingerprint and finger vein information, the second fingerprint, and the finger vein recognizer recognize the temperature of the flow of the finger of the customer and if it is determined that there is no abnormality, the first fingerprint and finger vein information obtained from the scanner The second fingerprint and the fingerprint information are transmitted to the customer client or the merchant client.
A method for processing an electronic payment system using fingerprints and fingerprint recognition, the method comprising:
Providing a hybrid web for fingerprint and fingerprint settlement to a fingerprint and fingerprint settlement service server of the electronic settlement system and connecting the fingerprint and fingerprint settlement service server to a customer client through a communication network;
Activating the hybrid web for fingerprint and fingerprint settlement in which the customer client is installed, acquiring the first fingerprint and the fingerprint information of the customer through the first fingerprint and the fingerprint recognizer of the customer client, And providing fingerprint information to the fingerprint and fingerprint settlement service server through the communication network;
The fingerprint and fingerprint settlement service server stores and registers first fingerprint and fingerprint information provided from the client client in a database and transmits first fingerprint and fingerprint information to the credit card company server through the communication network;
Matching the first fingerprint and fingerprint information transmitted from the fingerprint and fingerprint settlement service server with the payment means of the registered customer, and registering the same;
The second fingerprint and the fingerprint information of the customer are recognized from the second fingerprint and the fingerprint recognizer of the merchant client connected to the communication network and the second fingerprint and the fingerprint information and the payment information according to the occurrence of the transaction A fingerprint and a fingerprint payment service server to request payment approval;
Comparing the second fingerprint and fingerprint information transmitted from the merchant client with the first fingerprint and the fingerprint information registered in the database and determining the customer authentication by the fingerprint and fingerprint settlement service server;
If it is determined that the first fingerprint and the fingerprint information are identical to the second fingerprint and the fingerprint information, the fingerprint and fingerprint settlement service server transmits the fingerprint and the fingerprint information to the payment means of the customer matched with the first fingerprint and the fingerprint information Requesting payment approval to the credit card company server so that the credit card issuer server performs payment approval;
When the settlement is approved through the payment means of the customer corresponding to the first fingerprint and the fingerprint information requested by the credit card company server, notifying the merchant client that the payment has been approved by the fingerprint and fingerprint settlement service server A scan panel 250 for simultaneously photographing the fingerprint and the finger vein is provided on the upper part of the scan panel upper case 201a as the integrated image capture authentication device 200a capable of photographing the fingerprint and the finger vein, 250 are formed with finger holders 252 so that the fingers can be placed on the finger holders 252. The recognition parts of the fingers are formed in a noncontact manner by the grooves 272 at the center of the finger holders 252, A fingerprint pattern and a fingerprint pattern can be alternatively recognized by the fingerprint sensor 240 (240) 241 and the visible light source unit 242, Method of processing an electronic payment system using.
The method according to claim 6,
Fingerprint and fingerprint information obtained through each of the first fingerprint and the fingerprint recognizer of the customer client and the second fingerprint and the fingerprint recognizer of the merchant client to the communication network To the fingerprint and fingerprint settlement service server;
And further provides the fingerprint and fingerprint settlement service server with the acquired first fingerprint and fingerprint information and second fingerprint and fingerprint information when the temperature of the flow of the customer's finger is further detected and there is no abnormality A method of processing an electronic payment system using fingerprint and fingerprint recognition.

Images