KR20180131512A - ATM with bio-certification function - Google Patents

Abstract

The present invention relates to an automated teller machine (ATM) with a biometric authentication function and a biometric information authentication method by the ATM. The ATM with a biometric authentication function can execute biometric authentication for a user by comparing biometric information of the user obtained by the ATM or a smart device with biometric authentication information previously registered in the smart device or a financial institution management server, and can provide various financial services required by the user according to a biometric authentication result value.

Description

ATM with bio-certification function "

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial automatic teller machine (ATM) for providing various financial services including deposit, withdrawal and account transfer of cash, and more particularly, The present invention relates to an ATM having a biometric authentication function that compares biometric authentication information to execute a user biometric authentication and can provide various financial services requested by a user according to the biometric authentication result value.

Automated Teller Machine (ATM) is an automated device that can support basic financial services such as deposits or withdrawals without regard to time and place, and without bank staff, in relation to financial services. In recent years, financial automation devices such as ATM and CD have been increasingly used. As a result, the installation of financial automation devices has been increasing and the number of financial automation devices has been increasing. Currently, financial automation devices are being implemented not only in main business but also in various additional functions, and continue to develop and distribute financial automation devices to enhance bank competitiveness and satisfy customers.

In a device such as a financial automation device that prevents illegal connection and use of another person, a password is assigned to each user so that only an authorized user can operate the device normally, and a password is input before executing the financial processing function So that the process of the next step can be performed only when the password is matched with the previously registered password.

However, in the currently operated financial automation equipment, when inputting the password, a pin-hole camera can be installed in the financial automation equipment or the installation booth so as to extort financial transaction information including the password of the customer, Illegal withdrawal or illegal credit transaction can be made from the customer account through the duplicated card or card number obtained by the method described above.

Korean Patent No. 10-0937586 (2010. 01. 20. Registration Announcement)

SUMMARY OF THE INVENTION The present invention has been made to solve the problems of the prior art as described above, and it is an object of the present invention to provide an ATM having a biometric authentication function, in which a user is easily provided with a financial service and user information including biometric information is not leaked to the outside during biometric authentication The purpose is to provide.

As a means for solving the above-mentioned object, the present invention can be configured as follows.

The ATM having the biometric authentication function according to the embodiment of the present invention is a smart device equipped with iris biometric authentication information registration function of a user, iris biometric authentication function of a user and a user's iris biometric authentication information storage function, Acquiring iris biometric information of a user necessary for authentication information registration and providing it to the smart device; and acquiring iris biometric information of the user in the iris biometric information collecting unit for comparison with the iris biometric authentication information registered in the smart device Wherein the iris biometric authentication information registered by the smart device registration device is divided into two or more than two, and a part of the iris biometric authentication information is stored in a smart device, and a part of the iris biometric authentication information is managed by a financial institution It is stored in the server, but ATM can not connect to the smart device. Smart device sensing unit for; An iris biometric information requesting unit for requesting the iris biometric information of the user when the smart device is connected and the iris biometric authentication function of the smart device is confirmed and the iris biometric authentication function is provided; An iris biometric information collecting unit including an iris recognition camera and an IR LED for collecting iris biometric information of a user; A display for displaying an image photographed by the iris recognition camera; A transmitting unit for transmitting user iris biometric information collected by the iris biometric information collecting unit to the smart device; A receiving unit for receiving the iris biometric authentication result obtained by the authentication unit of the smart device together with the device information from the smart device through comparison between the user iris biometric information transmitted to the smart device by the transmitting unit and the user iris biometric information stored in the smart device; And a controller for accessing a financial institution management server to receive financial transaction information of a user corresponding to the device information and provide a financial service requested by the user if the received iris biometric authentication result is successful; . ≪ / RTI >

According to another embodiment of the present invention, an ATM having a biometric authentication function includes a smart device having an iris biometric authentication information registration function of a user, an iris biometric authentication function of a user and a user's iris biometric authentication information storage function, Acquiring iris biometric information of a user necessary for authentication information registration and providing it to the smart device; and acquiring iris biometric information of the user in the iris biometric information collecting unit for comparison with the iris biometric authentication information registered in the smart device Wherein the iris biometric authentication information registered by the smart device registration device is divided into two or more than two, and a part of the iris biometric authentication information is stored in a smart device, and a part of the iris biometric authentication information is managed by a financial institution It is stored in the server, but ATM can not connect to the smart device. Underground Smart Device Detection; An iris biometric information requesting unit for requesting the iris biometric information of the user when the smart device is connected and the iris biometric authentication function of the smart device is confirmed and the iris biometric authentication function is provided; An iris biometric information collecting unit including an iris recognition camera and an IR LED for collecting iris biometric information of a user; A display for displaying an image photographed by the iris recognition camera; A receiving unit for receiving device information and previously registered iris biometric authentication information from a smart device; An authentication unit for comparing the iris biometric information collected by the iris biometric information collection unit with the iris biometric authentication information received from the smart device to execute user authentication; And a control unit for accessing a financial institution management server when the iris biometric authentication of the user is successful as a result of the comparison, receiving the financial transaction information of the user corresponding to the device information and providing the financial service requested by the user, . ≪ / RTI >

In an ATM having a biometric authentication function according to an exemplary embodiment of the present invention, a facial recognition camera may be further included. The control unit may request a facial image input before or after the iris biometric authentication of the user, The user may be authenticated by comparing the facial image with a facial image of the user registered in advance with the financial institution management server.

According to another embodiment of the present invention, an ATM having a biometric authentication function includes a smart device having a facial biometric authentication information registration function of a user, a facial biometric authentication function of a user, and a facial biometric authentication information storage function of a user, In order to compare the facial biometric authentication information registered in the smart device and the smart device registration device for acquiring the facial biometric information of the user necessary for the registration of the biometric authentication information and providing the same to the smart device, the facial biometric information collection part of the user acquires facial biometric information Wherein the facial biometric authentication information registered by the smart device registration apparatus is divided into two or more than two, and a part of the facial biometric authentication information is stored in a smart device, Stored in the management server, but ATM is connected to the smart device Smart sensing device sensing unit; A facial biometric information requesting unit for requesting facial biometric information of the user when the facial biometric authentication function is provided by confirming whether the smart device is provided with the facial biometric authentication function when the smart device is connected; A facial biometric information collecting unit for collecting facial biometric information of a user through a facial recognition camera; A transmitting unit for transmitting the user's facial biometric information collected by the facial biometric information collecting unit to the smart device; A receiving unit for receiving the facial biometric authentication result obtained by the authentication unit of the smart device from the smart device together with the device information through comparison between the user facial biometric information transmitted to the smart device by the transmitting unit and the user facial biometric information stored in the smart device; And a controller for accessing a financial institution management server to receive financial transaction information of a user corresponding to the device information and providing a financial service requested by the user if the received facial biometric authentication result is successful; . ≪ / RTI >

According to another embodiment of the present invention, an ATM having a biometric authentication function includes a smart device having a facial biometric authentication information registration function of a user, a facial biometric authentication function of a user, and a facial biometric authentication information storage function of a user, In order to compare the facial biometric authentication information registered in the smart device and the smart device registration device for acquiring the facial biometric information of the user necessary for the registration of the biometric authentication information and providing the same to the smart device, the facial biometric information collection part of the user acquires facial biometric information Wherein the facial biometric authentication information registered by the smart device registration apparatus is divided into two or more than two, and a part of the facial biometric authentication information is stored in a smart device, Stored in the management server, but ATM is connected to the smart device A smart device sensing unit for sensing the smart device; A facial biometric information requesting unit for requesting facial biometric information of the user when the facial biometric authentication function is provided by confirming whether the smart device is provided with the facial biometric authentication function when the smart device is connected; A facial biometric information collecting unit for collecting facial biometric information of a user through a facial recognition camera; A receiving unit for receiving device information and facial biometric authentication information registered in advance from the smart device; An authentication unit comparing the facial biometric information collected by the facial biometric information collecting unit with the facial biometric authentication information received from the smart device to execute user authentication; And a control unit for accessing a financial institution management server when the facial biometric authentication of the user is successful, receiving financial transaction information of a user corresponding to the device information and providing the financial service requested by the user, . ≪ / RTI >

According to the ATM having the biometric authentication function according to the embodiment of the present invention, the biometric information of the user acquired by the ATM or the smart device is compared with the biometric authentication information registered in advance in the smart device or the financial institution management server, Authentication is performed and the various financial services requested by the user are provided according to the biometric authentication result value so that the user can easily receive the financial service and the effect of preventing the personal information of the user from being attracted when providing the financial service have.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a configuration diagram of a financial service providing system for providing financial services by biometric authentication including a smart device registration device, a smart device, and ATM.
Fig. 2 is a configuration diagram showing a first embodiment of the smart device disclosed in Fig. 1. Fig.
3 is a configuration diagram showing a first embodiment of the smart device registration apparatus shown in Fig.
FIG. 4 is a configuration diagram showing a first embodiment of the ATM disclosed in FIG. 1. FIG.
FIG. 5 is a flowchart showing a process of registering biometric authentication information in the smart device of FIG. 2 in the smart device registration device of FIG. 3;
FIG. 6 is a flowchart illustrating a process of providing a financial service by executing biometric authentication of a user using the biometric authentication information of the smart device of FIG. 2 in the ATM of FIG. 4;
FIG. 7 is a configuration diagram showing a second embodiment of the smart device disclosed in FIG. 1; FIG.
8 is a configuration diagram showing a second embodiment of the smart device registration apparatus shown in Fig.
FIG. 9 is a configuration diagram showing a second embodiment of the ATM disclosed in FIG. 1. FIG.
FIG. 10 is a flowchart showing a process of registering biometric authentication information in the smart device of FIG. 7 in the smart device registration device of FIG. 8;
FIG. 11 is a flowchart illustrating a process of providing a financial service by executing biometric authentication of a user using the biometric authentication information of the smart device of FIG. 7 in the ATM of FIG. 9;
FIG. 12 is a configuration diagram showing a third embodiment of the smart device disclosed in FIG. 1; FIG.
13 is a configuration view showing a third embodiment of the smart device registration device shown in Fig.
FIG. 14 is a configuration diagram showing a third embodiment of the ATM disclosed in FIG. 1. FIG.
FIG. 15 is a flowchart showing a process of registering biometric authentication information in the smart device of FIG. 12 in the smart device registration device of FIG. 13;
FIG. 16 is a flowchart illustrating a process of providing a financial service by executing biometric authentication of a user using the biometric authentication information of the smart device of FIG. 2 in the ATM of FIG. 14;
17 is a configuration diagram showing a fourth embodiment of the smart device registration apparatus shown in Fig.
FIG. 18 is a configuration diagram showing a fourth embodiment of the ATM disclosed in FIG. 1; FIG.
FIG. 19 is a flowchart showing a process of registering biometric authentication information in a server in the smart device registration device of FIG. 17;
FIG. 20 is a flowchart showing a process of providing a financial service by executing a biometric authentication of a user using the biometric authentication information of the server in the ATM of FIG. 18;

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Hereinafter, in order to facilitate understanding of the present invention, the same reference numerals are assigned to the same or similar components in different embodiments.

- First Embodiment -

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a configuration diagram of a financial service providing system for providing financial services by biometric authentication including a smart device registration device, a smart device, and an ATM.

1, a financial service providing system for providing financial services through biometric authentication includes a smart device 100 such as a smart card, a smart device registration device 200, an ATM 300, and a financial institution management server 400 . The smart device 100 includes a user biometric authentication information registration function, a biometric authentication function, and a biometric authentication information storage function. The smart device registration device 200 and the ATM 300, Are each provided with a biometric information obtaining function.

Accordingly, in the first embodiment, when the smart device 100 is issued, the smart device registration device 200 acquires the biometric information of the user necessary for biometric authentication information registration and provides the biometric information to the smart device 100, Encrypts the biometric information with biometric authentication information, stores and registers the biometric information, compares the biometric information with biometric information for biometric authentication acquired by the ATM 300, performs user biometric authentication, and provides the biometric authentication result value to the ATM 300 can do.

FIG. 2 is a configuration diagram showing a first embodiment of the smart device disclosed in FIG. 1. FIG.

2, a smart device 100 such as a smart card includes a receiving unit 110 for receiving device information and biometric information of a user from the smart device registration device 200 or receiving biometric information of a user from the ATM 300, A storage unit 120 for storing the biometric authentication information of the user together with the device information, biometric information of the user received through the biometric information receiving unit 110 upon registration of the user's biometric authentication information into the encrypted biometric authentication information, An authentication unit 130 for storing the biometric information stored in the storage unit 120 or biometric information received through the biometric information receiving unit 110 at the user biometric authentication with the biometric authentication information stored in the storage unit 120 to execute user authentication, Transmission to the smart device registration apparatus 200 or transmission of the user biometric authentication result value obtained by the authentication unit 130 to the ATM 300 together with the device information 140, and a user is comprised of a controller 150 for controlling the biometric authentication of the registered user and the biometric authentication information.

The smart device 100 performs a process of registering the biometric authentication information of the user in the smart device in cooperation with the smart device registration device 200 while being connected to the smart device registration device 200 in order to issue the smart device The biometrics authentication of the user who wishes to receive various financial services in cooperation with the ATM 300 while being connected to the ATM 300 in order to provide the financial service desired by the user can be performed.

In the embodiment, the control unit 150 requests the smart device registration apparatus 200 or the ATM 300 to input biometric information of the user at the time of registration of the biometric authentication information or the biometric authentication of the user, so that the user can perform biometric authentication information registration or biometric authentication It is possible to provide biometric information such as an iris necessary for the user.

When the smart device 100 is connected to the smart device registration device 200 or the ATM 300 without a separate power source, the smart device 100 may be powered by a power source supplied from the smart device registration device 200 or the ATM 300. [ By providing the connection unit 160, it is possible to acquire the biometric information of the user necessary for biometric authentication information registration and biometric authentication of the user while minimizing the volume of the smart device 100. [

The smart device 100 may be connected to the smart device registration device 200 or the ATM 300 through wired or short-range wireless communication upon registration of the biometric authentication information or biometric authentication of the user. These embodiments are also the same in the second to fourth embodiments described below, and a description thereof will be omitted.

In the above embodiment, the iris is used as the biometric information. However, the present invention is not limited to this, and biometric information such as fingerprint, face, hand vein, and the like can be utilized. In the above description, the user authentication is performed by comparing only one biometric information such as an iris. However, the present invention is not limited to this, and the biometric information such as fingerprint, face, hand vein, By performing the user authentication in comparison with this, the accuracy can be increased. These embodiments are also the same in the second to fourth embodiments described below, and a description thereof will be omitted.

FIG. 3 is a block diagram showing a first embodiment of the smart device registration apparatus shown in FIG. 1. FIG.

3, a smart device registration apparatus 200 located in a financial institution such as a bank or credit card company includes a smart device sensing unit 210 for sensing the connection of the smart device 100, A user biometric information requesting unit 220 for confirming the function of the smart device 100 and requesting biometric information from a user in the case of a smart device having a biometric authentication function of the user, a biometric information collecting unit 220 for collecting biometric information of the user, A transmitting unit 250 for transmitting biometric information of the user collected by the biometric information collecting unit 240 together with device information to the smart device 100 so as to be converted into biometric authentication information, And a control unit (260) for controlling the issuance of the smart device (100) having the function.

In the embodiment, the biometric information collecting unit 240 is configured to include the iris recognition camera and the IR LED, thereby acquiring the biometric information of the user for biometric authentication, that is, the biometric code.

Another embodiment includes a display 270 that displays an image of an iris captured by the iris recognition camera of the biometric information collection unit 240. The user confirms the image captured by the iris recognition camera through the display, It is possible to control the direction in which the recognized camera is viewed and the distance from the iris recognition camera.

In another embodiment, when the controller 260 requests the smart device 100 to input a password before or after transmitting the biometric information to the smart device 100 and the password is input by operation of an input device such as a keyboard, a touch screen, a mouse, It is possible to carry out the user authentication with the password together with the biometric authentication at the time of the user authentication for providing the financial service by transmitting the device information to the financial institution management server 400 and storing it.

Another embodiment includes a fingerprint recognizer 280 for acquiring a fingerprint image. The control unit 260 requests the user to input a fingerprint image before or after transmission of the biometric information to the smart device 100, and the fingerprint recognizer 280 The fingerprint image of the user is inputted and stored in the financial institution management server 400 together with the device information so that the fingerprint image of the user can be utilized together with the biometric authentication at the time of user authentication for providing the financial service .

Another embodiment includes a facial recognition camera 290 that captures the face of the user and the control unit 260 requests the user to input a facial image before or after transmitting the biometric information to the smart device 100, 290, the facial image of the user is transmitted to the financial institution management server 400 together with the device information so as to be stored. In order to provide the financial service, Can be utilized.

In the above embodiment, biometric authentication information for user biometric authentication is stored in the smart device 100 at the time of biometric authentication information registration. However, the present invention is not limited to this, and biometric authentication information may be divided into two or more pieces One is stored in the smart device 100 as described above and the remainder is stored in the financial institution management server so that even if one of the two pieces of biometric authentication information of the divided users is leaked to a third party, The biometric authentication of the user can not be executed illegally. These embodiments are also the same in the second to fourth embodiments described below, and a description thereof will be omitted.

FIG. 4 is a configuration diagram showing the first embodiment of the ATM disclosed in FIG. 1. FIG.

Referring to FIG. 4, an ATM 300 located in various financial institutions such as a bank and a credit card company includes a smart device sensing unit 310 for sensing a connection of the smart device 100, A biometric information requesting unit 320 for confirming the function of the device 100 and requesting biometric information of the user in the case of a smart device having a biometric authentication function of the user, a biometric information collecting unit 340 for collecting biometric information of the user, A transmitting unit 350 for transmitting the biometric information of the user collected by the biometric information collecting unit 340 to the smart device 100, The reception unit 360 receives the biometric authentication result obtained by comparing the biometric authentication result with the biometric authentication information, analyzes the biometric authentication result value received through the reception unit 360, It consists of a controller 370 that controls the execution of the financial services by the user needs to receive financial transaction information of the user corresponding to the biometric information authentication device succeeds when connected to the financial institution management server 400.

In the embodiment, the biometric information collecting unit 340 is configured to include the iris recognition camera and the IR LED, thereby acquiring the biometric information of the user for biometric authentication, that is, the biometric code.

Another embodiment includes a display 380 that displays an image of an iris captured by the iris recognition camera of the biometric information collection unit 340, so that the user can check the image captured by the iris recognition camera through the display, It is possible to control the direction in which the recognized camera is viewed and the distance from the iris recognition camera.

In another embodiment, when the controller 370 requests the user to input the password before or after the biometric authentication of the user and inputs the password by the operation of the input device such as a keyboard, a mouse, or a touch screen, 400 by comparing the passwords of the users registered in advance and performing the authentication of the user in duplicate so that the third party's accessibility to the user's biometric information including the iris used when providing various financial services through the user biometric authentication Can be lowered and security can be improved.

Another embodiment is provided with a fingerprint recognizer 390 for acquiring a fingerprint image. The control unit 370 requests a user to input a fingerprint image before or after the biometrics authentication of the user, and inputs the fingerprint image of the user through the fingerprint recognizer 390 The fingerprint image is compared with the fingerprint image of the user registered in advance in the financial institution management server 400 and the authentication of the user is performed twice to be used when providing various financial services through the user biometric authentication The accessibility of the third party to the user's biometric information including the iris can be lowered and the security can be enhanced.

Another embodiment includes a facial recognition camera 395 that recognizes the face of the user, and the control unit 370 requests the user to input a facial image before or after the user's biometric authentication, The facial image of the user is compared with the facial image of the user registered in advance in the financial institution management server 400 and the user is authenticated twice to provide various financial services through the user biometric authentication It is possible to lower the accessibility of the third party to the user's biometric information including the iris used at the time of the authentication, and to improve the security.

FIG. 5 is a flowchart illustrating a process of registering biometric information in the smart device of FIG. 2 in the smart device registration device of FIG. 3. FIG.

5, the smart device registration apparatus 200 confirms whether the smart device 100 for new issuance is connected (S11), and when the smart device 100 is connected to the smart device 100, It is confirmed whether the smart device has the authentication function (S12). For this purpose, it is needless to say that the smart device 100 must have information as device information that can confirm whether the user has the biometric authentication function.

As a result of the check in step S12, if the user has the biometric authentication function, the smart device registration device 200 requests the user to input biometric information by video or voice (S13). When the user approaches the biometric camera, The user's biometric information is collected by the recognition camera (S14) and transmitted to the smart device 100 together with the device information generated in the financial institution management server (S15).

The smart device 100 encrypts the user biometric information with the biometric authentication information (S16), stores it in the storage unit together with the device information (S17), and completes issuance of the smart device.

FIG. 6 is a flowchart illustrating a process of providing a financial service by executing a biometric authentication of a user using the biometric information of the smart device of FIG. 2 in the ATM of FIG.

6, when the smart device 100 is connected, the ATM 300 confirms whether the smart device 100 for receiving various financial services is connected (S21). If the smart device 100 is connected to the user's body It is confirmed whether the smart device has the authentication function (S22).

As a result of the checking in step S22, if the user has the biometric authentication function, the ATM 300 requests the user to input the biometric information (S23) with the image or sound, etc. If the user approaches the biometric camera, The user biometric information is collected (S24) and transmitted to the smart device 100 (S25).

The smart device 100 compares the biometric information of the user with the biometric authentication information of the user registered in advance and performs biometric authentication of the user (S26), and transmits the device information together with the biometric authentication result value to the ATM 300 (S27 ).

When the authentication is successful, the ATM 300 reads the financial transaction information of the user corresponding to the device information from the financial institution management server 400, and provides financial services such as withdrawal, deposit, account transfer requested by the user (S28) .

- Second Embodiment -

The second embodiment is composed of the smart device 100, the smart device registration device 200, the ATM 300 and the financial institution management server 400 in the same manner as the first embodiment. The smart device registration apparatus 200 is provided with a biometric information acquisition function and a user biometric authentication information registration function. The smart device 100 is provided with a user biometric authentication information storage function. The ATM 300 has a biometric information acquisition function, A biometric authentication function is provided.

Accordingly, in the second embodiment, the smart device registration apparatus 200 acquires the biometric information of the user necessary for biometric authentication information registration when the smart device 100 is issued, encrypts the biometric information with the biometric authentication information, provides the biometric information to the smart device 100, The smart device 100 stores and registers the corresponding biometric authentication information, and the ATM 300 provides the biometric information required for biometric authentication when requested by the ATM 300. The smart device 100 acquires biometric information required for biometric authentication, The user biometric authentication is performed, and the financial service required by the user can be provided according to the biometric authentication result value.

FIG. 7 is a configuration diagram showing a second embodiment of the smart device disclosed in FIG. 1. FIG.

7, a smart device 100 such as a smart card includes a receiving unit 110 and a receiving unit 110 capable of receiving device information and biometric authentication information from the smart device registration device 200 when the user biometric authentication information is registered A storage unit 120 for storing device information and biometric authentication information received through the biometric authentication device 120, a transfer unit 120 for transferring device information and biometric authentication information stored in the storage unit 120 during user biometric authentication to the automated teller machine 300 140 for registering biometric authentication information of the user, and a control unit 150 for registering the biometric authentication information of the user and controlling the biometric authentication of the user.

The smart device 100 is connected to the smart device registration device 200 in order to issue the smart device 100 and transmits the biometric authentication information of the user to the smart device 100 in cooperation with the smart device registration device 200 The biometrics authentication of the user who wishes to receive various financial services in cooperation with the ATM 300 while being connected to the ATM 300 in order to provide the desired financial service to the user can be performed.

When the smart device 100 is connected to the smart device registration device 200 or the ATM 300 without a separate power source, the smart device 100 may be powered by a power source supplied from the smart device registration device 200 or the ATM 300. [ By providing the connection unit 160, it is possible to acquire the biometric information of the user necessary for biometric authentication of the user while minimizing the volume of the smart device 100. Alternatively, the smart device 100 may be powered by a wireless charging technology or the like.

The smart device 100 may be connected to the smart device registration device 200 or the financial automatic machine 300 through wired or short-range wireless communication at the time of registration or biometrics authentication of the user.

FIG. 8 is a block diagram showing a second embodiment of the smart device registration apparatus shown in FIG. 1. FIG.

8, a smart device registration device 200 located in a financial institution such as a bank or credit card company includes a smart device sensing unit 210 for sensing the connection of the smart device 100, A user biometric information requesting unit 220 for confirming the function of the smart device 100 and requesting biometric information from a user in the case of a smart device having a biometric authentication function of the user, a biometric information collecting unit 220 for collecting biometric information of the user, An authentication unit 230 for converting biometric information of the user collected by the biometric information collecting unit 240 into biometric authentication information, biometric authentication information and device information converted by the authentication unit 230, And a control unit 260 for controlling issuance of the smart device 100 having the biometric authentication function.

In the embodiment, the biometric information collecting unit 240 is configured to include the iris recognition camera and the IR LED, thereby acquiring the biometric information of the user for biometric authentication, that is, the biometric code.

Another embodiment includes a display 270 that displays an image of an iris captured by the iris recognition camera of the biometric information collection unit 240. The user confirms the image captured by the iris recognition camera through the display, It is possible to control the direction in which the recognized camera is viewed and the distance from the iris recognition camera.

In another embodiment, the control unit 260 requests the smart device 100 to input a password to the smart device 100 before or after transmitting the biometric information. When the password is inputted by an operation of an input device such as a keyboard, a mouse, Information to be transmitted to the financial institution management server 400 to be stored, so that a password can be utilized together with the biometric authentication at the time of user authentication for providing a financial service.

Another embodiment includes a fingerprint recognizer 280 for acquiring a fingerprint image. The control unit 260 requests the user to input a fingerprint image before or after transmission of the biometric information to the smart device 100, and the fingerprint recognizer 280 The fingerprint image of the user is inputted and stored in the financial institution management server 400 together with the device information so that the fingerprint image of the user can be utilized together with the biometric authentication at the time of user authentication for providing the financial service .

Another embodiment is provided with a face recognition camera 290 for photographing a face of a user and the control unit 260 requests the user to input a face image before or after transmission of biometric information to the smart device 100, 290, the facial image of the user is transmitted to the financial institution management server 400 together with the device information to be stored. By providing the facial image of the user with the biometric authentication at the time of user authentication for providing the financial service, Can be utilized.

The smart device registration apparatus 200, the smart device 100, and the ATM 300 may be connected to each other via wired and wireless communication.

9 is a configuration diagram showing a second embodiment of the ATM disclosed in FIG.

9, an ATM 300 located in various financial institutions such as a bank includes a smart device sensing unit 310 for sensing a connection of the smart device 100, 100, a biometric information collecting unit 340 for collecting biometric information of the user, a user biometric information requesting unit 320 for requesting the biometric information of the user in the case of a smart device having a biometric authentication function of the user, A receiving unit 360 for receiving biometric authentication information registered in advance with device information from the smart device 100 or a server, biometric information collected by the biometric information collecting unit 340, The authentication unit 330 for performing the user authentication in preparation for the biometric authentication information received from the authentication server 330 and the authentication unit 330 to connect to the financial institution management server 400 upon successful biometric authentication of the user And a control unit 370 that receives the financial transaction information of the user corresponding to the device information and controls the execution of the financial service requested by the user.

In the embodiment, the biometric information collecting unit 340 is configured to include the iris recognition camera and the IR LED, thereby acquiring the biometric information of the user for biometric authentication, that is, the biometric code.

Another embodiment includes a display 380 that displays an image of an iris captured by the iris recognition camera of the biometric information collection unit 340, so that the user can check the image captured by the iris recognition camera through the display, It is possible to control the direction in which the recognized camera is viewed and the distance from the iris recognition camera.

In another embodiment, when the controller 370 requests the user to input a password before or after the biometric authentication of the user and inputs a password by an operation of an input device such as a keyboard, a mouse, or a touch screen, 400 by comparing the passwords of the users registered in advance and performing the authentication of the user in duplicate so that the third party's accessibility to the user's biometric information including the iris used when providing various financial services through the user biometric authentication Can be lowered and security can be improved.

Another embodiment is provided with a fingerprint recognizer 390 for acquiring a fingerprint image. The control unit 370 requests a user to input a fingerprint image before or after the biometric authentication of the user, The fingerprint image and the fingerprint image of the user previously registered with the financial institution management server 400 are compared with each other to authenticate the user so that they are used when providing various financial services through the user biometric authentication The accessibility of the third party to the user's biometric information including the iris can be lowered and the security can be enhanced.

Another embodiment includes a facial recognition camera 395 that recognizes the face of the user, and the control unit 370 requests the user to input a facial image before or after the user's biometric authentication, The facial image of the user is compared with the facial image of the user registered in advance in the financial institution management server 400 and the user is authenticated twice to provide various financial services through the user biometric authentication It is possible to lower the accessibility of the third party to the user's biometric information including the iris used at the time of the authentication, and to improve the security.

The smart device 100, the smart device registration device 200, and the ATM 300 may be connected to each other by a wired or short-range wireless communication method.

FIG. 10 is a flowchart illustrating a process of registering biometric information in the smart device of FIG. 7 in the smart device registration device of FIG.

Referring to FIG. 10, the smart device registration apparatus 200 confirms whether the smart device 100 for new issuance is connected (S31), and when the smart device 100 is connected, It is confirmed whether the device has the authentication function (S32).

If the user has a biometric authentication function, the smart device registration device 200 requests the user to input the biometric information through a video or voice (S33). When the user approaches the biometric camera, The user's biometric information is collected by the recognition camera (S34), and the user biometric information is encrypted (i.e., converted) (S35) with the biometric authentication information.

The smart device registration device 200 transmits the device information generated in the financial institution management server 400 to the smart device 100 together with the biometric authentication information obtained in step S35. The smart device 100 stores the device information together with the biometric authentication information in the storage unit (S37), and completes issuance of the smart device.

FIG. 11 is a flowchart illustrating a process of providing a financial service by executing biometric authentication of a user using the biometric information of the smart device of FIG. 7 in the ATM of FIG.

11, when the smart device 100 is connected, the ATM 300 confirms whether the smart device 100 for receiving various financial services is connected (S41) It is confirmed whether the device has the authentication function (S42).

If it is determined in step S42 that the user has the biometric authentication function, the ATM 300 requests the user to input the biometric information by video or voice (S43). If the user approaches the biometric camera, The user biometric information is collected (S44). At this time, the smart device 100 transmits the device information together with the previously registered biometric authentication information to the ATM 300 (S45).

The ATM 300 compares the biometric information of the user with the biometric authentication information of the user registered in advance and performs the user biometric authentication (S46).

When the authentication is successful, the ATM 300 reads the financial transaction information of the user corresponding to the device information from the financial institution management server 400, and provides the financial service such as withdrawal, deposit, account transfer requested by the user (S47) .

- Third Embodiment -

The third embodiment is composed of the smart device 100, the smart device registration device 200, the ATM 300 and the financial institution management server 400 in the same manner as the first embodiment. Only the device information is stored in the smart device 100 and the smart device 100 is provided with a biometric information acquisition function, a user biometric authentication information registration function, a user biometric authentication information storage function and a user biometric authentication function, A function of providing a financial service is provided according to the biometric authentication result value.

Accordingly, in the third embodiment, when the smart device 100 is issued, the smart device registration device 200 stores only the device information in the smart device 100, and the smart device 100 stores the biometric information of the user Acquires biometric information necessary for biometric authentication after storing and registering the biometric authentication information, compares the biometric information with previously registered biometric authentication information, and provides the biometric authentication result value to the ATM 300 And the ATM 300 can provide the financial service requested by the user according to the biometric authentication result value.

12 is a configuration diagram showing a third embodiment of the smart device disclosed in FIG.

12, a smart device 100 such as a smart card includes a receiving unit 110 for receiving device information from the smart device registration device 200, a storage unit 120 for storing biometric authentication information of the user together with device information, , Biometric information collection unit 140a for collecting biometric information, biometric information collected by the biometric information collection unit 140a at the time of registration of biometric authentication information of the user is converted into encrypted biometric authentication information and stored in the storage unit 120 (130) for comparing the biometric information collected by the biometric information collection unit (140a) with the biometric authentication information stored in the storage unit (120) and performing the user authentication when the user biometric authentication is performed, A transfer unit 140 for transferring the user biometric authentication result obtained by the biometric authentication result acquisition unit 140 to the ATM 300 together with the device information, a control unit 150 for registering the biometric authentication information of the user and controlling the biometric authentication of the user, It is configured to include.

That is, the smart device 100 receives and stores the device information from the smart device registration device 200 when issuing the smart device, and registers the biometric authentication information of the user in cooperation with the smart device registration device 200 or independently The biometrics authentication result of the user or the device information together with the biometrics authentication result value is provided to the ATM 300 when the user biometrics authentication is performed either independently or in conjunction with the ATM 300, The user can provide desired financial service according to the value.

In the embodiment, the biometric information collecting unit 140a is configured to include the iris recognition camera and the IR LED, thereby acquiring the biometric information of the user for biometric authentication, that is, the biometric code.

In the embodiment, the control unit 150 requests the user to input biometric information through the biometric information request unit 120a at the time of registration of the biometric authentication information or during the biometric authentication of the user, so that the user can input the biometric information, The same biometric information can be provided.

Another embodiment includes the display 170a that displays the image of the iris captured by the iris recognition camera of the biometric information collection unit 140a, so that the user can check the image captured by the iris recognition camera through the display, It is possible to control the direction in which the recognized camera is viewed and the distance from the iris recognition camera.

Another embodiment includes a fingerprint recognizer 180 for acquiring a fingerprint image. The controller 150 requests the smart device 100 to input a fingerprint image to the user before or after transmitting the biometric information, and the fingerprint reader 180 The fingerprint image of the user is inputted and stored in the financial institution management server 400 together with the device information so that the fingerprint image of the user can be utilized together with the biometric authentication at the time of user authentication for providing the financial service .

Another embodiment includes a facial recognition camera 190 for photographing the face of the user, and the control unit 150 requests the user to input a facial image before or after transmitting the biometric information to the smart device 100, 190, the facial image of the user is transmitted to the financial institution management server 400 together with the device information to be stored. By providing the biometric authentication and the face of the user during the user authentication for providing the financial service, Can be utilized.

In the above embodiment, biometric authentication information for user biometric authentication is stored in the smart device 100 at the time of biometric authentication information registration. However, the present invention is not limited to this, and biometric authentication information may be divided into two or more pieces One is stored in the smart device 100 as described above and the remainder is stored in the financial institution management server so that even if one of the two pieces of biometric authentication information of the divided users is leaked to a third party, The biometric authentication of the user can not be executed illegally.

When the smart device 100 is connected to the smart device registration device 200 or the ATM 300 without having a separate power source, the smart device 100 may be connected to the smart device registration device 200 or the ATM 300, And a connecting portion 160. The biometric information of the user necessary for biometric authentication information registration and biometric authentication of the user can be acquired while minimizing the volume of the smart device 100. [

The smart device 100 may be connected to the smart device registration device 200 or the ATM 300 through wired or short-range wireless communication upon registration of the biometric authentication information or biometric authentication of the user.

In the above embodiment, the iris is used as the biometric information. However, the present invention is not limited to this, and biometric information such as fingerprint, face, hand vein, and the like can be utilized. In the above description, the user authentication is performed by comparing only one biometric information such as an iris. However, the present invention is not limited to this, and the biometric information such as fingerprint, face, hand vein, By performing the user authentication in comparison with this, the accuracy can be increased.

FIG. 13 is a block diagram showing a third embodiment of the smart device registration apparatus shown in FIG. 1. FIG.

13, a smart device registration apparatus 200 located in a financial institution such as a bank or credit card company includes a smart device sensing unit 210 for sensing the connection of the smart device 100, A transfer unit 250 for transferring the device information to the smart device 100, and a control unit 260 for controlling the transfer of the device information by the transfer unit 250.

FIG. 14 is a configuration diagram showing a third embodiment of the ATM disclosed in FIG. 1. FIG.

Referring to FIG. 14, an ATM 300 located in various financial institutions such as a bank or credit card company includes a reception unit 360 for receiving biometric authentication result values together with device information from the smart device 100, And a control unit 370 that accesses the financial institution management server 400 when the user biometric authentication is successful and receives the financial transaction information of the user corresponding to the device information and controls the execution of the financial service requested by the user.

FIG. 15 is a flowchart illustrating a process of registering biometric authentication information in the smart device of FIG. 12 in the smart device registration device (smart device) of FIG.

15, the smart device registration apparatus 200 confirms whether the smart device 100 for new issuance is connected (S51), and when the smart device 100 is connected, It is confirmed whether the device has the authentication function (S52). For this purpose, it is needless to say that the smart device 100 must have information as device information that can confirm whether the user has the biometric authentication function.

As a result of checking in step S52, if the user has the biometric authentication function, the smart device registration device 200 receives the device information from the financial institution management server and transfers the device information to the smart device 100, respectively. At this time, the smart device 100 requests the user to input the biometric information to the user (S53) by using the image or sound, etc. When the user approaches the biometric camera, the biometric camera collects the user biometric information (S54) (S15) and stores it in the storage unit together with the device information (S16), and completes issuance of the smart device.

FIG. 16 is a flowchart showing a process of providing a financial service by executing a biometric authentication of a user using the biometric authentication information of the smart device of FIG. 2 in the ATM (smart device) of FIG. 14;

16, when the smart device 100 is connected to the ATM 300, the smart device 100 confirms whether the smart device 100 is connected to receive various financial services (S61) It is confirmed whether the smart device has the authentication function (S62).

As a result of the determination in step S62, if the user has the biometric authentication function, the smart device 100 or the ATM 300 requests the user to input the biometric information through video or audio (S63) The user biometric information is collected by the biometric camera (S64) and compared with the biometric authentication information of the user registered in advance (S65), and the device information is transmitted to the ATM 300 (S66).

When the authentication is successful, the ATM 300 reads the financial transaction information of the user corresponding to the device information from the financial institution management server 400, and provides the financial service such as withdrawal, deposit, account transfer requested by the user (S67) .

- Fourth Embodiment -

The fourth embodiment is composed of the smart device (user) registration device 200 and the ATM 300 and the financial institution management server 400 disclosed in the first embodiment. The smart device registration device 200 is provided with a biometric information acquisition function, a user biometric authentication information registration function, and a user biometric authentication information storage function. The ATM 300 is provided with a biometric information acquisition function and a user biometric authentication function. The financial institution management server 400 stores user biometric authentication information for user biometric authentication together with device information (user information).

Therefore, in the fourth embodiment, the smart device registration device 200 acquires the biometric information of the user necessary for biometric authentication information registration at the time of issuing the smart device 100, encrypts the biometric information of the user with the biometric authentication information, The biometrics authentication information stored in the biometrics authentication server 400 is stored in the memory 400. When biometrics authentication is performed, the ATM 300 acquires biometrics information required for biometrics authentication and compares the biometrics information with the biometrics authentication information provided from the server 400 to perform user biometrics authentication, Accordingly, it is possible to provide the financial service required by the user.

In the above embodiment, there is no smart device. However, the present invention is not limited to this, and there may be a smart device. In this case, only the device information can be stored in the smart device.

FIG. 17 is a block diagram showing a fourth embodiment of the smart device registration apparatus shown in FIG. 1. FIG.

17, a smart device registration device 200 located in a financial institution such as a bank or credit card company includes a registration mode setting unit 210a for setting a mode for registering biometric authentication information for biometric authentication, A biometric information collecting unit 240 for collecting biometric information of a user, a biometric information collecting unit 240 for collecting biometric information of the user collected by the biometric information collecting unit 240, A transfer unit 250 for transferring the biometric authentication information converted by the authentication unit 230 to the server 400 and storing and registering the biometric authentication information together with the device information (user information) And a control unit 260 for controlling the registration of the authentication information.

Here, the registration mode setting unit 210a may include an input device such as a keyboard, a mouse, or the like, or may include a sensing unit that senses an approach of a user.

In the embodiment, the biometric information collecting unit 240 is configured to include the iris recognition camera and the IR LED, thereby acquiring the biometric information of the user for biometric authentication, that is, the biometric code.

Another embodiment includes a display 270 that displays an image of an iris captured by the iris recognition camera of the biometric information collection unit 240. The user confirms the image captured by the iris recognition camera through the display, It is possible to control the direction in which the recognized camera is viewed and the distance from the iris recognition camera.

In another embodiment, when the control unit 260 requests the user to input a password before or after collecting the biometric information by the biometric information collecting unit 240 and the password is inputted by the operation of the input device such as a keyboard, a mouse, a touch screen, The password is transmitted to the financial institution management server 400 together with the biometric authentication information to be stored, so that the password can be used together with the biometric authentication at the time of user authentication for financial service provision.

Another embodiment includes a fingerprint recognizer 280 for acquiring a fingerprint image. The control unit 260 requests the user to input a fingerprint image before or after the biometric information collection unit 240 collects the biometric information, 280, the fingerprint image of the user is transmitted to the financial institution management server 400 together with the biometric authentication information so as to be stored. In order to provide the financial service, the user's fingerprint Can be utilized.

Another embodiment includes a facial recognition camera 290 that recognizes the face of the user. The control unit 260 requests the user to input a facial image before or after collecting the biometric information by the biometric information collecting unit 240, When the face image of the user is inputted through the recognition camera 290, the facial image is transmitted to the financial institution management server 400 together with the biometric authentication information to be stored therein. Thus, for the financial service provision, The face of the user can be utilized.

The smart device registration apparatus 200 stores all of the biometric authentication information in the smart device 100 or the financial institution management server 400 or divides the biometric authentication information into two pieces of information in the smart device 100 and the financial institution management server 400 Distributed storage.

18 is a configuration diagram showing a fourth embodiment of the ATM disclosed in FIG.

Referring to FIG. 18, an ATM 300 located in various financial institutions such as a bank or credit card company includes an authentication mode setting unit 310a for setting a mode for executing biometric authentication for user authentication, A biometric information collecting unit 340 for collecting biometric information of the user, device information corresponding to biometric information from the financial institution management server 400, A receiving unit 360 for receiving the biometric authentication information of the user, an authentication unit (biometric authentication means) 360 for comparing the biometric information collected by the biometric information collecting unit 340 with the biometric authentication information of the user through the receiving unit 360 330) and the authentication unit 330 to access the financial institution management server 400 when the biometric authentication of the user is successful, receives the financial transaction information of the user corresponding to the user's biometric information, It is configured to include a control unit 370 for controlling the execution of a financial service request.

Here, the authentication mode setting unit 310a may include an input device such as a keyboard, a mouse, or the like, or may include a sensing unit that senses an approach of a user.

In the embodiment, the biometric information collecting unit 340 is configured to include the iris recognition camera and the IR LED, thereby acquiring the biometric information of the user for biometric authentication, that is, the biometric code.

Another embodiment includes a display 380 that displays an image of an iris captured by the iris recognition camera of the biometric information collection unit 340, so that the user can check the image captured by the iris recognition camera through the display, It is possible to control the direction in which the recognized camera is viewed and the distance from the iris recognition camera.

In another embodiment, when the controller 370 requests the user to input a password before or after the biometric authentication of the user and inputs a password by an operation of an input device such as a keyboard, a mouse, or a touch screen, 400 by comparing the passwords of the users registered in advance and performing the authentication of the user in duplicate so that the third party's accessibility to the user's biometric information including the iris used when providing various financial services through the user biometric authentication Can be lowered and security can be improved.

Another embodiment is provided with a fingerprint recognizer 390 for acquiring a fingerprint image. The control unit 370 requests a user to input a fingerprint image before or after the biometric authentication of the user, The fingerprint image and the fingerprint image of the user previously registered with the financial institution management server 400 are compared with each other to authenticate the user so that they are used when providing various financial services through the user biometric authentication The accessibility of the third party to the user's biometric information including the iris can be lowered and the security can be enhanced.

Another embodiment includes a facial recognition camera 395 that recognizes the face of the user, and the control unit 370 requests the user to input a facial image before or after the user's biometric authentication, The facial image of the user is compared with the facial image of the user registered in advance in the financial institution management server 400 and the user is authenticated twice to provide various financial services through the user biometric authentication It is possible to lower the accessibility of the third party to the user's biometric information including the iris used at the time of the authentication, and to improve the security.

FIG. 19 is a flowchart illustrating a process of registering biometric authentication information in a server in the smart device registration device of FIG. 17;

Referring to FIG. 19, the smart device registration apparatus 200 confirms whether a biometric authentication information registration mode for issuing a new smart device, that is, a new user registration, is set (S71). When the biometric authentication information registration mode is set, (S72). When the user approaches the biometric camera, the user biometric information is collected by the biometric camera (S73). The user biometric information is encrypted with the biometric authentication information, That is, conversion (S74).

The smart device registration apparatus 200 stores the biometric authentication information obtained in step S74 together with the device information generated in the financial institution management server 400 in the financial institution management server 400 in step S75, That is, registration of the user biometric authentication information is completed (S76).

20 is a flowchart illustrating a process of providing a financial service by executing a biometric authentication of a user using the biometric authentication information of the server in the ATM of FIG.

Referring to FIG. 20, the ATM 300 confirms whether the biometric authentication mode through biometric authentication of the user is set (S81). When the biometric authentication mode is set, the ATM 300 requests the user to input biometric information S83). When the user approaches the biometric camera, the user biometric information is collected by the biometric camera (S83). At this time, the financial institution management server 400 transmits the biometric authentication information corresponding to the biometric information registered in advance to the ATM 300 together with the device information (S84).

The ATM 300 compares the biometric information of the user with the biometric authentication information of the user registered in advance and performs the user biometric authentication (S85).

When the biometric authentication is successful, the ATM 300 reads the financial transaction information of the user corresponding to the device information and the biometric authentication information from the financial institution management server 400 and transmits the financial service such as withdrawal, deposit, (S86).

In the foregoing, some embodiments of an ATM having a biometric authentication function and a biometric information authentication method using the same according to the present invention have been described with reference to the accompanying drawings. These embodiments are included in the technical idea described in the claims of the present invention. Furthermore, these embodiments are merely illustrative and should not be construed as limiting in interpreting the claims of the present invention.

100: Smart device 110, 360: Receiver
120: storage unit 120a, 220, 320: biometric information requesting unit
130, 230, 330: authentication unit 140, 250:
140a, 240, 340: a biometric information collecting unit 150, 260, 370:
160: power connection part 170a, 270, 380: display
180, 280, 390: Fingerprint recognizer 190, 290, 395: Facial recognition camera
200: smart device registration device 210a: registration mode setting unit
210, 310: Smart device detection unit 300: ATM
310a: Authentication mode setting unit 400: Financial institution management server

Claims (5)

A smart device having an iris biometric authentication information registration function of a user, an iris biometric authentication function of a user, and an iris biometric authentication information storage function of a user, iris biometric information of a user necessary for registration of the iris biometric authentication information of the user, And an ATM for acquiring the iris biometric information of the user from the iris biometric information collecting unit for comparison with the iris biometric authentication information registered in the smart device, the system comprising:
The iris biometric authentication information registered by the smart device registration device is divided into two or more, and a part of the iris biometric authentication information is stored in the smart device and the remaining part is stored in a management server of a financial institution,
A smart device sensing unit for sensing a connection of the smart device;
An iris biometric information requesting unit for requesting a user's iris biometric information when the smart device is connected and the iris biometric authentication function of the smart device is confirmed to provide the iris biometric authentication function;
An iris biometric information collecting unit including an iris recognition camera and an IR LED for collecting iris biometric information of the user;
A display for displaying an image photographed by the iris recognition camera;
A transmitting unit for transmitting user iris biometric information collected by the iris biometric information collecting unit to the smart device;
The iris biometric information obtained by the authentication unit of the smart device is compared with the iris biometric information transmitted to the smart device by the transmitting unit and the user iris biometric information stored in the smart device, And a control unit And
A controller for accessing the financial institution management server to receive the financial transaction information of the user corresponding to the device information and provide the financial service requested by the user if the received iris biometric authentication result is successful; And a biometric authentication function. A smart device having an iris biometric authentication information registration function of a user, an iris biometric authentication function of a user, and an iris biometric authentication information storage function of a user, iris biometric information of a user necessary for registration of the iris biometric authentication information of the user, And an ATM for acquiring the iris biometric information of the user from the iris biometric information collecting unit for comparison with the iris biometric authentication information registered in the smart device, the system comprising:
The iris biometric authentication information registered by the smart device registration device is divided into two or more, and a part of the iris biometric authentication information is stored in the smart device and the remaining part is stored in a management server of a financial institution,
A smart device sensing unit for sensing a connection of the smart device;
An iris biometric information requesting unit for requesting a user's iris biometric information when the smart device is connected and the iris biometric authentication function of the smart device is confirmed to provide the iris biometric authentication function;
An iris biometric information collecting unit including an iris recognition camera and an IR LED for collecting iris biometric information of the user;
A display for displaying an image photographed by the iris recognition camera;
A receiving unit for receiving device information and pre-registered iris biometric authentication information from the smart device;
An authenticating unit for comparing the iris biometric information collected by the iris biometric information collecting unit with the iris biometric authentication information received from the smart device to execute user authentication; And
A controller for accessing a financial institution management server when a user's iris biometric authentication is successful as a result of the comparison by the authentication unit, receiving financial transaction information of a user corresponding to the device information and providing the financial service requested by the user; And a biometric authentication function. 3. The method according to claim 1 or 2,
Wherein the control unit requests a facial image input before or after the iris biometric authentication of the user, and when the facial image of the user is inputted through the facial recognition camera, the facial image and a dictionary And comparing the facial image of the user registered in the ATM with the biometric authentication function. A smart device having a facial biometric authentication information registration function of the user, a facial biometric authentication function of the user and a facial biometric authentication information storage function of the user, facial biometric information of the user necessary for registration of the facial biometric authentication information of the user, And an ATM for acquiring facial biometric information of a user in a facial biometric information collecting unit for comparison with facial biometric authentication information registered in the smart device, the system comprising:
Wherein the facial biometric authentication information registered by the smart device registration apparatus is divided into two or more than two, and a part of the facial biometric authentication information is stored in the smart device and the remaining part is stored in a management server of a financial institution,
A smart device sensing unit for sensing a connection of the smart device;
A facial biometric information requesting unit for requesting facial biometric information of a user when the smart device is connected and the facial biometric authentication function of the smart device is confirmed to provide a facial biometric authentication function;
A facial biometric information collecting unit for collecting facial biometric information of the user through a facial recognition camera;
A transmitting unit for transmitting the user's face biometric information collected by the face biometric information collecting unit to the smart device;
The facial biometric authentication result obtained by the authentication unit of the smart device is compared with the device information to the smart device through the comparison of the user facial biometric information transmitted to the smart device by the transmitting unit and the user facial biometric information stored in the smart device, And a control unit And
A controller for accessing the financial institution management server to receive financial transaction information of a user corresponding to the device information and provide a financial service requested by the user if the received facial biometric authentication result is successful; And a biometric authentication function. A smart device having a facial biometric authentication information registration function of the user, a facial biometric authentication function of the user and a facial biometric authentication information storage function of the user, facial biometric information of the user necessary for registration of the facial biometric authentication information of the user, And an ATM for acquiring facial biometric information of a user in a facial biometric information collecting unit for comparison with facial biometric authentication information registered in the smart device, the system comprising:
Wherein the facial biometric authentication information registered by the smart device registration apparatus is divided into two or more than two, and a part of the facial biometric authentication information is stored in the smart device and the remaining part is stored in a management server of a financial institution,
A smart device sensing unit for sensing a connection of the smart device;
A facial biometric information requesting unit for requesting facial biometric information of a user when the smart device is connected and the facial biometric authentication function of the smart device is confirmed to provide a facial biometric authentication function;
A facial biometric information collecting unit for collecting facial biometric information of the user through a facial recognition camera;
A receiving unit for receiving device information and facial biometric authentication information registered in advance from the smart device;
An authentication unit comparing the facial biometric information collected by the facial biometric information collecting unit with the facial biometric authentication information received from the smart device to perform user authentication; And
A controller for accessing a financial institution management server when the facsimile biometric authentication of the user is successful as a result of the comparison by the authentication unit, receiving the financial transaction information of the user corresponding to the device information and providing the financial service requested by the user; And a biometric authentication function.

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