KR20190041381A - System for relaying financial transaction with multiple safety function and method for processing thereof - Google Patents

Abstract

The present invention relates to a method for processing an anti-hacking financial transaction relay system including a step of relaying a financial transaction. The method for processing an anti-hacking financial transaction relay system having multiple safety lock functions comprises a step of processing fingerprint authentication which performs the steps of: allowing a consumer terminal to transmit personal information as a dual tone multi frequency (DTMF) signal to a receiver side exchanger of a personal finance relay transaction server; returning a predetermined authentication number from the receiver side exchanger of the personal finance relay transaction server; allowing a conversion device to convert fingerprint information into an arrangement of the DTMF signal and to transmit the arrangement of the DTMF signal to a reception device in accordance with conversion logic based on the predetermined authentication number to be returned; and allowing the reception device to restore the converted DTMF signal into the arrangement of the DTMF signal transmitted by a user in accordance with the conversion logic based on the authentication number used for DTMF signal conversion.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial transaction relay system for preventing hacking,

The present invention relates to a processing method of a financial transaction relay system for preventing hacking having multiple security lock functions, and more particularly, And a processing method of the transaction relay system.

The present inventor has already patented the financial settlement processing system of the domestic patent registration No. 10-1543222 (name: financial transaction relay system having multiple safety lock functions and its processing method).

That is, in the above-described first invention 1, a method of processing a financial transaction relay system comprises the steps of: accessing a personal financial transaction relay server of the financial transaction relay system from a customer terminal of the financial transaction relay system through a communication network; Acquiring fingerprint information through the fingerprint reader of the customer terminal, transmitting the fingerprint information to the personal finance transaction relay server through the communication network, and registering the fingerprint information in the database in response to the customer terminal in the personal finance transaction relay server ; When the customer terminal processes an authentication procedure to perform any one of online banking transactions and electronic commerce transactions, the personal financial transaction relay server processes fingerprint authentication by receiving only fingerprint information from the customer terminal; And if the transmitted fingerprint information matches the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction The present invention relates to a processing method of a transaction relay system, and has developed the method.

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

However, although security measures by biometrics authentication of the present inventor are applied, it may be the best measure for security, but there is still a problem of hacking to airwaves in wireless communication.

Fortunately, in order to solve the above-mentioned problems, it has been found that when a telephone of a touch tone type is used at the time of transfer, an anti-hacking means for a signal generated when a key of a number attached to the telephone is pressed has been developed. I knew it was going to happen.

That is, in the conventional Invention 2, it is disclosed in Korean Patent No. 10-0856648 concerning security transmission of a DTMF signal for converting a DTMF signal transmitted from a telephone set into a numerical array in which a third party can not know, The present invention relates to a method and system for preventing a hacking of a phone banking service using a DTMF conversion device that allows a user to make transactions with ease while using a phone banking service.

Here, a dual tone multi-frequency (DTMF) signal is generated when a key of a number attached to the telephone is pressed when using a touch-tone telephone, and is based on a world-wide technical standard. The keypad for entering numbers on the phone has 16 digits. There are 12 digits excluding A, B, C, and D which are not used in the general telephone. There are 0 ~ 9, *, #, A, B, C and D. Each of the digits has a natural frequency component and is a composite frequency signal in which two frequency signals are synthesized rather than a single frequency signal. The frequency of the low frequency of 697, 770, 852 and 941 hertz (Hz) and the frequency of the reference frequency of 1209, 1336, 1447 and 1633 hertz are combined. For example, when the '1' key is pressed, signals of a low frequency of 697 Hz and a high frequency of 1209 Hz are synthesized and transmitted, and the exchange extracts signals of 697 Hz and 1209 Hz from the received signal to recognize a signal of '1' .

However, there is a case where a third party intercepts the number of DTMF signals transmitted by the customer between the calling party telephone and the telephone exchange, thereby causing a loss to the customer.

The hacking using the DTMF signal detects the frequency signal of the dial pad key tone generated from the combination of the high frequency and the low frequency in the telephone dial tone. The hacker installs a bug on the telephone line, It is a way to digitally decrypt all the numbers you press and hack them.

In order to prevent this, there has been an invention to solve this problem by using a conversion device and a receiving device.

That is, the prior art 2 will be described with reference to Figs.

Figs. 1A and 1B are diagrams for explaining authentication logic of a conversion apparatus and a receiving apparatus according to a conventional invention 2. Fig.

The authentication number may be fixedly used in the receiving apparatus 150 and used irregularly.

In the case of the authentication number fixed to the receiving apparatus 150, the receiving apparatus 150 searches the DB based on the calling number of the customer and uses the same.

In the case of an authentication number irregularly generated and used by the receiving apparatus 150, the receiving apparatus 150 randomly generates and uses an authentication number in the authentication number generating / storing unit 317. [

Referring to FIG. 3A, the number converter 217 includes a converter 401 that generates a converted number by combining a circle number originally pressed by a customer and an authentication number input to the conversion apparatus 110. The authentication number is received from the receiving apparatus 150 during operation and stored therein, and the converter 401 converts the number using a combination of the inputted number and the authentication number.

3B is a diagram illustrating a function of the restoration unit 403 of the number restoring unit 315. The number restoring unit 315 converts a number converted by using a predetermined authentication number such as the converter 401 into an original number.

The receiving device 150 Of the DTMF signal  Whenever an input is required, the authentication number can be transmitted, or it can be used as the authentication number until the call is terminated after the first transmission.

The conversion apparatus 110 converts the received authentication number using only the most recently received authentication number from the receiving apparatus 150

The authentication number first converts the original number to a completely different number. When the original number is transmitted without conversion, the same number of the same position is always detected by comparison with a large amount of eavesdropping, and the input arrangement of the DTMF signal input by the user can be inferred. The input number is converted to a completely different number using the authentication number.

Second, you specify an array of converted numbers. In other words, it specifies the sequence of numbers by combining the original number entered and the original number and the authentication number added for security.

Third, it creates a number to be added for conversion.

A conversion device and a reception device for the above-mentioned predetermined authentication number will be described.

2 is a block diagram for explaining a conversion device according to a conventional Invention 2;

The conversion apparatus 110 includes a DTMF detection unit 211, a destination telephone number storage unit 213, a numeral detection unit 215, a numeric conversion unit 217, a DTMF conversion unit 219, a DTMF transmission unit 221, And a number detection / storage unit 223.

The DTMF detecting unit 211 detects the DTMF signal input by the user through the calling terminal 100 as a DTMF signal requiring conversion and a DTMF signal not requiring conversion.

The DTMF detecting unit 211 transmits the DTMF signal to the number detecting unit 215 if the DTMF signal input by the user through the calling terminal 100 according to the voice guidance of the phone banking server 160 is a DTMF signal that needs to be converted. If the DTMF signal does not require conversion, it bypasses to the originating switchboard 120.

The destination telephone number storage unit 213 stores the telephone number of the phone banking server 160 to detect a DTMF signal that is required to be converted and a DTMF signal that is not required to be converted, from the DTMF signal transmitted from the DTMF detection unit 211.

The number detecting unit 215 performs a function of converting a DTMF signal received from the DTMF detecting unit 211 into a number. The converted number is transmitted to the number converter 217.

The number converting unit 217 converts the number received by the number detecting unit 213 into another number according to a predetermined authentication logic based on a predetermined authentication number. The converted number is transmitted to the DTMF conversion unit 219.

The DTMF conversion unit 219 converts the converted number transmitted from the number conversion unit 217 into a DTMF signal different from the DTMF signal detected through the DTMF detection unit 211. [ The converted DTMF signal is transmitted to the DTMF transmitter 221.

The converted DTMF signal transmitted to the DTMF transmission unit 221 is converted into a different number than the number pressed by the user and is transmitted from the originating exchange 120 to the destination exchange 140 via the telephone network 130.

The authentication number detection / storage unit 223 detects and stores a predetermined authentication number received from the reception device 150. [ Using the authentication number, the number converter 217 converts the number received by the number detector 215 into another number according to a predetermined authentication logic.

3 is a block diagram for explaining a receiving apparatus according to the related art 2 and includes a DTMF detecting unit 311, a numeral detecting unit 313, a digit restoring unit 315, an authentication number generating / storing unit 317, (319) and a DTMF transmitter (321).

The DTMF detection unit 311 bypasses the DTMF signal that does not require conversion to the phone banking server 160.

The DTMF detecting unit 311 transmits the DTMF signal converted by the DTMF transmitting unit 219 to the number detecting unit 313 from the receiving side switching center 140. [

The number detecting unit 313 performs a function of converting a DTMF signal received by the DTMF detecting unit 311 into a number.

The number detecting unit 313 sends the converted number to the number restoring unit 315.

The DTMF detecting unit 311 and the number detecting unit 313 may be constituted by one device.

The number restoring unit 315 restores the number received from the number detecting unit 313 to the same number detected by the number detecting unit 215 of the converting apparatus 110 based on a predetermined authentication number.

The number restoring unit 315 sends the restored digits to the DTMF restoring unit 319.

The authentication number generation / storage unit 317 generates an authentication number for maintaining synchronization between the conversion apparatus 110 and the reception apparatus 150. [

The authentication number generation / storage unit 317 generates an authentication number for numeric conversion in the numeric conversion unit 217 in the conversion device 110 and transmits the authentication number to the digit restoring unit 315 ) To recover the converted number.

The DTMF restoring unit 319 restores the restored number transmitted by the number restoring unit 315 into a DTMF signal. The restored DTMF signal is the same DTMF signal as the DTMF signal required for conversion detected by the DTMF detection unit 211 of the conversion apparatus 110. [

The DTMF restoring unit 319 transmits the restored DTMF signal to the DTMF transmitting unit 321.

The DTMF transmission unit 321 transmits the DTMF signal transmitted from the DTMF restoring unit 319 to the phone banking server 160. The DTMF signal transmitted from the DTMF restoring unit 319 is the same as the DTMF signal received from the calling terminal 100 by the user.

The following is an example in which the original number is converted into another number by the numeric conversion unit 217 using a predetermined authentication number.

Assume that the input digit is '3456' and the authentication number is '11'.

The converted digit '4' is added by adding the first digit '3' of the input digit and the first digit of the authentication number '1'.

To create a number to be added for conversion, the decimal place '1' and the place of day '1' of the authentication number are added to the converted number '4' to make a number '6'.

After making the data by the conversion device using the logic, the data is transmitted by the receiving device, and the authentication signal is transmitted to the phone banking server.

At present, an individual protects personal financial transactions with an authorized certificate and a password in order to prevent personal injury which may occur due to leakage and the theft of personal information or password in an electronic financial transaction with a bank, Due to the reliance on technology, banks are unable to prevent or protect the personal injury caused by personal mistakes.

Therefore, it can be a relay server which can be a target of hacking in a portable computer or a personal computer, and not only the security technology of the bank is a problem, but also a system for preventing online hacking Technology has become a necessity.

Thus, the present inventor has made the same invention as in FIG. 1 to 3, and applies the basic concepts of the conversion device and the reception device to prevent the hacking.

Korean Patent Publication No. 10-2014-0124035 (published on Aug. 11, 2014) Korean Patent Publication No. 10-0856648 (published September 19, 2007) Korean Patent Laid-Open No. 10-2011-0114282 (published on October 19, 2011) Korean Patent Publication No. 10-2006-0087486 (published on August 02, 2006)

Accordingly, it is an object of the present invention to provide a biometric authentication device that has multiple security lock functions for preventing the signals transmitted by the conversion device from being always the same for the convenience and stability of the customer, recognizing that it is a personal device that can avoid hacking A financial transaction system and a processing method thereof.

It is still another object of the present invention to provide a financial transaction system and a processing method thereof having multiple security lock functions using fingerprint identification, telephone number authentication, and account number authentication.

In case of fingerprint authentication and / or fingerprint authentication at the time of electronic commerce or financial settlement using a mobile or a mouse, fingerprints and / or fingerprints can be authenticated at a time difference, thereby eliminating weaknesses in financial security by biometric authentication It has its purpose.

In addition, by setting a time lag in the authentication of the fingerprint and the fingerprint, the computer input data is prevented from being hacked by a computer which can safely protect it from the outside without separately encrypting the data.

A method of processing a financial transaction relay system, comprising the steps of: accessing a personal financial transaction relay server of the financial transaction relay system from a customer terminal of the financial transaction relay system through a communication network; Acquiring fingerprint information through the fingerprint reader of the customer terminal, transmitting the fingerprint information to the personal finance transaction relay server through the communication network, and registering the fingerprint information in the database in response to the customer terminal in the personal finance transaction relay server ; When the customer terminal processes an authentication procedure to perform any one of online banking transactions and electronic commerce transactions, the personal financial transaction relay server processes fingerprint authentication by receiving only fingerprint information from the customer terminal; And if the transmitted fingerprint information matches the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction The processing method of a transaction relay system according to claim 1, wherein the step of processing the fingerprint authentication comprises: transmitting, by a customer terminal, personal information to a receiver side exchange of a personal finance relay transaction server using a DTMF signal; Returning a predetermined authentication number from the receiver side exchange of the personal finance relay transaction server; Converting the fingerprint information into an arrangement of the DTMF signals and transmitting the DTMF signals to the reception device in accordance with the conversion logic based on the predetermined authentication number returned; Reconstructing the converted DTMF signal into an array of DTMF signals originated by a user according to conversion logic based on an authentication number used for DTMF signal conversion; If the transmitted fingerprint information coincides with the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction And an anti-hacking financial transaction relay system having multiple security lock functions.

In the present invention, the personal finance transaction relay server may authenticate the telephone number of the customer terminal stored in the database, or register the password for the account account number of the customer terminal in the database to the personal finance transaction relay server And registering the fingerprint information of the customer terminal as a member of the personal finance transaction relay server by matching any one of a telephone number and an account password to the fingerprint information of the customer terminal. It is a method of processing the system.

In the present invention, the customer terminal may be one of a smart phone, a mouse (M), and an integrated terminal, and may be fingerprint information, iris information, or face information instead of the fingerprint information. And a financial transaction relay system for preventing hacking.

In the present invention, the mouse has a fingerprint recognizer 1000 on the lower left side of the mouse M so as to capture a fingerprint and a finger vein, and a finger vein recognizer 2000 on the upper side of the mouse M, The fingerprint authentication module 1001a and the finger vein authentication device unit 2000a can be simultaneously formed in the finger vein recognizer 2000 so that they can be authenticated with time lag And a plurality of security lock functions for preventing a hacking.

In the present invention, the fingerprint recognizer 1000 and the finger vein reader 2000 that execute the fingerprint information and finger vein information include an integration module U1, a fingerprint scan module U2, a finger vein module U3, And a conversion module U4. The fingerprint scanning module U2 scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image. When there is a person with the same fingerprint image, the registered authentication code of the person is converted into 232 serial communication The finger vein module U3 transmits a finger to the infrared LED, and after the finger is scanned by the camera image sensor, it is compared with a pre-stored finger image, and if there is a person having the same image, the registered authentication code 485 serial communication, and the conversion module U4 receives the 485 serial communication output from the fingerprint module and converts it into 232 serial communication such as the fingerprint scanning module U2 And receives the fingerprint authentication code output from the fingerprint scanning module U2 and the fingerprint authentication code output from the fingerprint module U3 from the integration module U1 to generate fingerprint and fingerprint authentication code Or the fingerprint authentication code output from the fingerprint scanning module U2 and the fingerprint authentication code output from the fingerprint module U3 may be output from the integration module U1 And when the fingerprint and the fingerprint authentication code match each other, the authentication code is output to the USB device when the fingerprint and the fingerprint authentication code coincide with each other.

In the present invention, the GND line 1 of the fingerprint scanning module U2 is a (-) voltage circuit, the line RX2 is a serial data reception port, the line TX3 is a serial data transmission port, Line 4 is the (+) voltage reference of the power supply circuit. When the fingerprint image is scanned by the image sensor and compared with the previously stored image, if the person of the same fingerprint image exists, the registered authentication code of the person is outputted by 232 communication And a security lock function for preventing an hacking.

In the present invention, the GND line 1 of the finger vein module U3 is a (-) voltage reference, the A 2 line is a serial communication standard RS485 communication A port, the B 3 line is a serial communication standard RS485 communication B port, VCC line 4 is the (+) voltage reference of the power supply circuit, GND line 1 on the left side of the conversion module U4 is the reference of the negative voltage, A 2 line is the serial communication standard The line B 3 is a serial communication standard RS485 communication port B and the line VCC 4 is a (+) voltage reference and the DI on the right side of the conversion module U 4 linked to the finger vein module U 3 is RS 485 communication A port, Line 7 is a serial 232 communication reception port, RE 6 line is a 485 communication control port, DE 7 line is a 485 communication control port, and RO 8 line is a serial 232 communication transmission port. And a locking function of the financial transaction relay system for preventing hacking.

In the present invention, the D1 / TX1 line of the integration module U1 is a serial 232 communication transmission port, the D0 / RX2 line is a serial 232 communication reception port, and the GND line 4 is a (-) line. D2 line 5 is the serial 232 communication transmission line of the fingerprint scan module (U2), D3 line 6 is the serial 232 communication reception line of the fingerprint scan module (U2), and D8 line 11 is the 485-232 communication D9 12 is a 485 communication control port of the 485-232 communication conversion module (U4), and D10 13 is a serial communication port of the conversion module (U4) Line is the 485 communication control port of the 485-232 communication conversion module U4 and D11 14 is the serial 232 communication receiving port of the 485-232 communication conversion module U4 and the 5V line 27 is the positive voltage 5V Output PIN, GND line 29 is the reference of the negative voltage, VIN line 30 is the (+) voltage reference, and these configurations are output from the fingerprint scanning module U2 The fingerprint authentication code and the fingerprint authentication code output from the fingerprint module U3 are converted into 232 communication from the conversion module U4 and received by the integration module U1 so that when the fingerprint and the fingerprint authentication code coincide with each other And outputting the corresponding authentication code to the USB.

In the present invention, when both the argument values are valid and the fingerprintscode and fingerveincode, which are the arguments of the function name getfingerauthorization of the algorithm for the fingerprint authentication code and the fingerprint authentication code, are input respectively, and the unique numbers of the two registered customers are matched And the integrated module for authenticating the fingerprint and the fingerprint at the same time, the code of the corresponding person is output.

Therefore, the present invention recognizes that the personal device can avoid hacking, so that the signals transmitted by the conversion device are not always the same for the convenience and stability of the customer, so that even if the authentication signals of hackers are hacked in the middle The effect of preventing hacking is remarkable because it becomes a state in which it can not be used.

In addition, the present invention has multiple security lock functions using fingerprint identification, telephone number authentication, and account number authentication, and thus has no effect on security in any way.

In addition, the authentication method with the two-step time lag is provided for biometric authentication in the case of working on a document on a computer, The present invention provides a computer hacking device capable of protecting a computer from hacking, which can safely protect the computer input data without separately encrypting the input data.

1 (a) and 1 (b) are drawings provided in the description of the authentication number of the conversion apparatus and the reception apparatus according to the first invention 1,
2 is a block diagram of a conversion apparatus according to an embodiment of the conventional Invention 1;
3 is a block diagram of a receiving apparatus according to an embodiment of the conventional Invention 1;
FIG. 3 is a block diagram illustrating a network configuration of a financial transaction relay system according to a second embodiment of the present invention ; FIG.
4 is a block diagram showing the configuration of the personal financial transaction relay server shown in FIG. 3 of the conventional invention 2 applied to the present invention
FIG. 5 is a flowchart illustrating a procedure for relaying unauthorized financial transactions using the multiple security lock function of the financial transaction relay system according to the second invention applied to the present invention.
FIG. 6 is a flowchart illustrating a procedure for relaying an unauthorized financial transaction using the multiple security lock function of the financial transaction relay system according to the present invention.
Fig. 7 is a schematic block diagram of a conversion apparatus and a reception apparatus applied to the present invention
8 and 9 are diagrams showing a configuration example of a fingerprint and / or vein imaging authentication device according to an embodiment applied to a smartphone of the present invention
10 is a diagram illustrating an example of an internal electronic configuration of fingerprint and / or finger vein authentication device 1200 according to a preferred embodiment of the present invention
11 is a flowchart showing a case where the fingerprint 1 and the finger vein 1 of the present invention are simultaneously recognized
12 is a diagram showing an input / output integration module for linking algorithms of fingerprints and fingerprints
13 is a flow chart for requesting registration of a fingerprint and a fingerprint
14 is a flowchart for requesting authentication of a fingerprint and a fingerprint
15 is a flowchart for requesting deletion of a fingerprint and a fingerprint
16 is a schematic perspective view of a fingerprint 1, a fingerprint 2 and a mouse authenticated with a finger vein applied to the present invention
17 is a perspective view schematically showing the configuration of an embodiment of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention
FIG. 18 is a schematic perspective view illustrating a separated biometric authentication integrated terminal 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, the present invention will be described as essential components of the present invention since it is based on the prior art.

Referring to FIGS. 4 to 6, the financial transaction relay system 2 of the present invention relays bank transactions and electronic commerce transactions using an unauthorized access method using multiple security lock functions including fingerprint recognition.

To this end, the financial transaction relay system 2 of the present invention is registered as a member through the fingerprint recognition, the account password authentication and the telephone number authentication to the personal financial transaction relay server 100, and the customer terminal 200 and the online bank system 300 ) And the electronic commerce system 400, a fingerprint authentication process is performed so that an unauthenticated connection is established.

The financial transaction relay system 2 of the present invention includes the communication networks 4 and 6, the customer terminal 200, the online bank system 300, the electronic commerce system 400 and the personal finance transaction relay server 100 .

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

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

The customer terminal 200 includes a fingerprint recognizer 210 for obtaining fingerprint information. The customer terminal 200 provides the fingerprint information acquired from the fingerprint recognizer 210 to the personal financial transaction relay server 100 via the communication network 4. [ The customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 and registers the member as a member. At this time, the customer terminal 200 registers the fingerprint information and the telephone number in the personal financial transaction relay server 100, and registers the account password registered in the online bank system 300 in the personal financial transaction relay server 100 .

When registering the member, the customer terminal 200 is authenticated in multiple using the fingerprint information, the telephone number, and the account password to the personal financial transaction relay server 100. The customer terminal 200 provides the fingerprint information to the personal banking transaction relay server 100 for financial transaction with the online banking system 300 and the electronic commerce system 400.

The online banking system 300 is provided in the affiliated bank and processes financial transactions such as banking transactions, for example, deposit and withdrawal, transfer, etc., processed online. The online banking system 300 is connected to the customer terminal 200 through the personal financial transaction relay server 100 without a certificate at the time of financial transaction.

The e-commerce system 400 may include, for example, an online shopping mall system such as a department store or a discount store, a passenger transportation reservation system for aviation or railroad, a lodging reservation system for a condo or a hotel, A leisure reservation system, and the like, and the customer terminal 200 is connected without authentication when using electronic commerce through the personal financial transaction relay server 100. [

When the customer terminal 200 joins the member, the personal financial transaction relay server 100 registers the member as a member through the multiple safety lock module 110 and transmits the financial transaction with the online bank system 300 and the electronic commerce system 400 The fingerprint information is received from the customer terminal 200 to perform the authentication processing and the financial transaction is performed in the online banking system 300 and the electronic commerce system 400 in the case of financial transactions and electronic commerce transactions do. The personal financial transaction relay server 100 establishes a personal portal site for personal financial transactions.

5, the personal financial transaction relay server 100 includes a control unit 102, a communication unit 104, a multiple safety lock module 110, and a database 120. [ Although not shown in the figure, the personal finance transaction relay server 100 includes components of a typical computer system, for example, a central processing unit, a memory unit, an input / output unit, and a storage unit.

The control unit 102 controls and processes all operations of the personal financial transaction relay server 100. The control unit 102 may include, for example, hardware such as a central processing unit, a memory or a web server, as well as software such as an operating system program, a control program, and the like. The control unit 102 receives the fingerprint information from the customer terminal 200 when the customer terminal 200 performs financial transactions and electronic commerce with the online banking system 300 and the electronic commerce system 400, And multiple security lock module 110 so that an unauthenticated connection is made to the electronic commerce system 400.

The communication unit 104 connects the customer terminal 200 to the online banking system 300 and the electronic commerce system 400 through the communication networks 4 and 6 and transmits the electronic transaction information to the customer terminal 200 200) and the personal financial transaction relay server (100).

The multiple safety lock module 110 is provided as middleware, for example, and has a personal authentication function of the customer terminal 200 and a firewall function for blocking the hacking. In this embodiment, the multiple safety lock module 110 includes a fingerprint recognition processor 112 that receives fingerprint information from the customer terminal 200 and compares the fingerprint information with previously registered fingerprint information in the database 120, An account password processing unit 114 for registering the account password of the customer terminal 200 registered in the customer terminal 200 and a telephone number authentication processing unit 116 for authenticating using the telephone number of the customer terminal 200. [

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

Specifically, the database 120 stores member information 122, fingerprint information 124, and financial information 126. The member information 122 is information for inputting the user information of the customer terminals 200, for example, a name, an ID, an ID, and the like when the customer terminals 200 are registered as members of the personal financial transaction relay server 100 ID), a password, a telephone number, an e-mail address, and the like. The member information 122 is matched with the fingerprint information 124 and the financial information 126.

The fingerprint information 124 receives and stores the fingerprint information acquired from the fingerprint recognizer 210 of the customer terminal 200 when the user of the customer terminal 200 registers as a member of the personal financial transaction relay server 100. The financial information 126 stores the password of the bank account registered in the online banking system 300 of the customer terminal 200.

The following describes a technique of combining a device and an anti-hacking device developed by the inventor who can simultaneously recognize a fingerprint, a fingerprint and / or a finger vein.

7 is a block diagram of an authentication logic description of the conversion apparatus and the receiving apparatus according to the present invention.

Side switching center 3200 and a reception apparatus 3210 and a phone banking server 3300 are connected to the receiver side in a systematic manner by forming a customer terminal 3100, a conversion apparatus 3110 and a caller- Is formed.

The calling terminal 3100 is used, for example, by a user to call the phone banking server 160 and input personal information such as a user's account number, password, and resident registration number as a DTMF signal.

In order to prevent the input DTMF signal of the personal information input by the user through the calling terminal 100 from the risk of hacking, the conversion device 3110 converts the input DTMF signal into conversion logic based on a predetermined authentication number provided from the reception device 3210 And converts the inputted DTMF signal.

The source-side switching center 3120 transmits the converted DTMF signal input from the conversion apparatus 3110 to the destination switching center 3200 via the communication network.

The called party switching center 3200 receives information transmitted from the calling party switching center 3120 via the communication network. It is formed in the personal finance transaction relay server.

The receiving device 3210 restores the converted DTMF signal received from the destination switching center 3200 into the DTMF signal of the original personal information.

The phone banking server 3300 finally receives the DTMF signal restored from the reception device 3210 and performs a phone banking service of the user.

The authentication number may be fixedly used in the receiving apparatus 3210 and used irregularly.

In the case of the authentication number fixed to the receiving device 3210, the receiving device 3210 searches the database based on the calling number of the customer and uses the same.

In the case of the authentication number generated irregularly by the receiving device 3210, the receiving device 3210 randomly generates and uses the authentication number in the authentication number generating / storing unit.

Referring to FIG. 1A, the number converter 217 includes a converter 401 that generates a converted number by combining a circle number originally pressed by a customer and an authentication number input to the conversion apparatus 110. The authentication number is received from the receiving apparatus 150 during operation and stored therein, and the converter 401 converts the number using a combination of the inputted number and the authentication number.

FIG. 1B is a diagram illustrating a function of the restoration unit 403 of the number restoring unit 315. The number restoring unit 315 converts a number converted by using a predetermined authentication number such as the converter 401 into an original number.

The receiving apparatus 3210 may transmit the authentication number every time the DTMF signal is required, or may be used as the authentication number until the call is terminated after the first transmission.

The conversion apparatus 3100 converts the received authentication information from the receiving apparatus 3210 using only the most recently received authentication number

The fingerprint and finger vein authentication processing unit 1180 that can be commonly applied to the smartphone and the mouse or the integrated terminal according to the first embodiment of the sending apparatus will be described in detail below.

First, the contact type fingerprint and finger vein authentication device will be described.

FIG. 8 is a perspective view schematically showing the contact type fingerprint and finger vein authentication device of the integrated payment device using the biometric authentication integrated terminal of the present invention, FIG. 9 is a schematic view illustrating the optical fingerprint and the fingerprint of the integrated payment device using the biometric authentication integrated terminal of the present invention. Fig. 2 is a perspective view schematically showing a finger vein authentication device. Fig.

8, the fingerprint and finger vein authentication processing unit 1180 formed in the biometric authentication integrated terminal 1000 is provided with a contact type fingerprint scanning module 2310 on the upper side and a finger photographing groove 2410 on the lower side And a formed branch MAC authentication device unit 2100 is formed, where fingerprint authentication and finger vein authentication are performed.

The fingerprint scanning module 2310 uses a contact type recognition module, and on the back of the fingerprint scanning module 2310, a recognition circuit front part 2320 is formed.

The authentication device unit 2100 for acquiring the finger vein information is configured to authenticate the finger vein at the bottom edge of the main body side of the terminal. The inside of the terminal is connected to the contact fingerprint scanning module 2310, A fingerprint scanning module 2310 is formed on the upper side of the authentication device subspace 2500. The fingerprint scanning module 2310 is formed on the upper side of the authentication device subspace 2500, And a finger photographing groove 2410 is formed on the lower side to place the finger f in a non-contact manner, so that the finger f can be recognized simultaneously.

A very thin finger-holding glass plate may be formed in the finger photographing groove 2410 so as to prevent the entry of foreign dirt or the like.

In this case, the image sensor can be operated by attaching an infrared ray filtering film for blocking the visible ray using the finger support glass plate.

In addition, the finger-holding glass sheet may be formed so as to be formed at the front portion of the image sensor 2510a and the infrared ray transmitting portion 2520a in close proximity to the infrared ray filtering film.

Then, a blank finger photographing groove 2410 is formed on the lower side thereof to form the finger f easily.

The image sensor 2510a and the infrared ray transmitter 2520a are formed in parallel in the back authentication device subspace 2500 of the empty finger photographing groove 2410 and a recognition circuit 2530 for controlling the image sensor 2510a and the infrared ray transmitter 2520a is formed When recognizing finger vein patterns, they are activated to transmit various control signals.

When the image sensor 2510a and the infrared ray transmitter 2520a are designed so as not to be damaged, the empty finger photographing groove 2410 is designed to communicate with the authentication device space 2500 in a non- .

Further, in the case of the image sensor 2510a, the range for recognizing the finger veins is different according to the size thereof. Therefore, when the finger f and the distance Ha are extended, When the distance is short, only a narrow range of finger vein pattern is recognized. Therefore, it should be designed and designed considering the relation with the size of the electric field inside the terminal.

Accordingly, the inventor of the present invention has made an idea that the design of the terminal itself can be freely designed by shortening the depth of the finger f and the distance Ha, in addition to the above embodiment.

Reference numeral 1105 denotes a support plate of the fingerprint and finger vein authentication processing unit.

The following is another embodiment of the fingerprint authentication processing unit in the fingerprint and finger vein authentication processing unit.

As shown in FIG. 9, the fingerprint scanning module 2310 uses a contact type recognition module as a fingerprint authentication processing unit in the above-described embodiments, and a recognition circuit module The fingerprint scanning module 2310b uses an optical recognition module. The fingerprint scanning module 2310b is formed of an image sensor 2310a and an infrared ray emitting portion 2320a, The infrared ray is irradiated in the direction of the image, and an image of the image is photographed. On the rear surface thereof, a recognition circuit front portion 2320 is formed.

Fig. 10 shows an example of an internal electronic configuration of a fingerprint and / or finger vein authentication device according to a preferred embodiment of the present invention.

The integrated imaging authentication apparatus 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 biometric information data storage 1270 And a display unit 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.

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.

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 1290, the present invention obtains a finger vein fingerprint image and a 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.

Therefore, in the case of authenticating a fingerprint and / or a fingerprint at the time of e-commerce or financial settlement, a mouse is normally held in a state in which a mouse is normally used, the fingerprint of the thumb is recognized in the first fingerprint recognizer, The fingerprint of each fingerprint and / or the fingerprint is authenticated by raising the finger of the finger such as the finger or the finger.

By doing so, fingerprints and / or fingerprints can be authenticated at a time of electronic commerce or financial settlement on-line, so that weakness of financial security by biometric authentication can be solved.

In addition, the authentication method with the two-step time lag is provided for biometric authentication in the case of working on a document on a computer, And a computer hacking device capable of safely protecting the computer input data from outside without separately encrypting the input data.

11 is a flowchart illustrating a processing procedure of a financial transaction relay system having multiple security lock functions using fingerprint 1 authentication according to an embodiment of the present invention.

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

In step S154, the customer terminal 200 acquires finger vein 1 information and fingerprint 1 information through the finger vein 1 recognizer 210 and the fingerprint 1 recognizer 220, and transmits finger vein 1 information and fingerprint 1 through the communication network 4 The financial transaction relay server 100 registers the fingerprint 1 information and the fingerprint 1 information in response to the customer terminal 200. At this time, the financial transaction relay server 100 stores the fingerprint 1 information and the fingerprint 1 information in the database.

In step S156, the financial transaction relay server 100 firstly recognizes the fingerprint 1 in order to perform the electronic financial transaction and the electronic commerce, and discriminates whether the fingerprint 1 information matches the fingerprint 1 information stored in the database in step S158, Authenticate the user.

As a result of the determination, if the two pieces of information match, the finger vein 1 is recognized in step S164, and it is determined in step S166 whether the finger vein 1 information stored in the database matches.

As a result of the determination, if the two finger vein 1 information matches, the procedure proceeds to step S168 where the multiple safety lock module 110 firstly opens the database of the financial transaction relay server 100 through the middleware approval processing unit 120 In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication and processes the transaction so as to relay the financial transaction.

However, if the financial transaction relay server 100 does not match any of the fingerprint 1 information and the fingerprint 1 information from the customer terminal 200 in steps S158 and S166, the flow advances to step S172 to perform electronic financial transactions and electronic commerce Thereby blocking the connection of the financial transaction relay server 100 from being processed.

Since fingerprint 1 recognition is possible only in the living state, it is possible only by the user himself, and the security effect does not change even if the process of the additional password is omitted.

The integrated module for linking fingerprint and fingerprint algorithm to implement this can be described as follows.

12 is a diagram showing an input / output integration module for linking fingerprint and fingerprint algorithm, FIG. 13 is a flowchart for requesting registration of a fingerprint and a fingerprint, FIG. 14 is a flowchart for requesting authentication of fingerprint and fingerprint , Fig. 15 is a flowchart for requesting deletion of the fingerprint and the finger vein.

As shown in FIG. 12, the input / output integration module U1 for simultaneously linking the fingerprint and fingerprint algorithm comprises a fingerprint scanning module U2, a fingerprint module U3, and a conversion module U4.

First, the fingerprint scanning module U2 will be described.

The GND line 1 of the fingerprint scan module U2 functions as a 0V grounding function as a reference of the negative voltage circuit and the line RX 2 serves as a serial data reception port to control the fingerprint module. Line is a serial data transmission port, and the VCC line 4 functions as a + 5V voltage input function based on the (+) voltage of the power supply circuit. The above- The fingerprint is scanned and compared with a previously stored image to output a registered authentication code of the person in the same fingerprint image to a serial communication (here, 232 communication is applied as an embodiment).

Here, 232 communication is a serial communication standard.

Next, the finger vein module U3 will be described.

The GND line 1 of the finger vein module U3 has a 0V grounding function as a reference of a negative voltage and the A 2 line is a serial communication standard RS485 communication A port for data reception and transmission functions, Line 3 is a serial communication standard RS485 communication B port for receiving and transmitting data. VCC line 4 is a + (positive) voltage reference of the power supply circuit and functions as a + 5V voltage input. After transmitting a finger through an infrared LED, a vein is scanned by a camera image sensor and compared with a vein image stored in advance. When there is a person with the same image, the registered authentication code of the person is used for serial communication (herein, 485 communication is applied as an embodiment) .

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 installed in the object accommodating unit 201,

Here, 485 communication is a serial communication standard.

The following describes the conversion module U4 of the 485-232 communication.

The GND line 1 on the left side of the conversion module U4 has a 0V grounding function as a reference of the negative voltage and the A 2 line is a serial communication standard RS485 communication A port for data reception and transmission functions, The line 3 is a serial communication standard RS485 communication B port, and functions as a data receiving and transmitting function. The line VCC 4 is a (+) voltage reference and functions as a voltage input of + 5V. And converts the received 485 communication into 232 communication.

The line DI5 on the right side of the conversion module U4 is a serial 232 communication reception port and receives data. RE6 line is a 485 communication control port, and controls the transmission / reception state of the 485 communication module The DE 7 line is a 485 communication control port and controls the transmission / reception state of the 485 communication module. The RO 8 line is a serial 232 communication transmission port, and functions to transmit a command. It is linked with the integration module U1.

Next, the fingerprint and fingerprint input and USB output integration module U1 will be described.

The D1 / TX1 line of the integration module U1 is a serial 232 communication transmission port and functions as a data transmission function to a computer. The D0 / RX2 line is a serial 232 communication reception port. , And GND line 4 is the voltage reference of 0V as the voltage reference and D2 5 line is the serial 232 communication transmission line of the fingerprint scan module (U2). It sends the command to the fingerprint module and D3 Line 6 is a fingerprint scan module (U2) serial 232 communication reception line, and receives the status value of the fingerprint module. D8 line 11 is a serial 232 communication transmission port of the 485-232 communication conversion module (U4) D9 12 is a 485 communication control port of the 485-232 communication conversion module (U4). It controls the transmission / reception status of the 485 communication module. D10 13 To the 485 communication control port of the 485-232 communication conversion module (U4) , 485 communication module, and D11 line 14 is the serial 232 communication receiving port of 485-232 communication conversion module (U4), and it reads the status of the UPC module (U3) , 5V line 27 is the (+) voltage 5V output pin and supplies the 5V voltage of the fingerprint scan module (U2), finger module (U3), and 485 communication conversion module (U4) And the VIN line 30 is a (+) voltage reference, and functions as a voltage input of + 5V. The above configuration is the same as that of the fingerprint scanning module U2 (The unique number of the customer registered with the fingerprint) and the finger vein authentication code (the unique number of the customer registered with the low vein) output from the finger vein module U3 are converted into 232 communication from the conversion module U4 When the fingerprint and the fingerprint authentication code match each other after receiving from the integration module (U1), the corresponding authentication code is output to the USB We will.

The fingerprint and fingerprint algorithm of this case invention can be expressed as follows.

int getfingerauthorization (int fingerprintcode, int fingerveincode)

{

    if (fingerprintcode> 0 && fingerveincode> 0 && fingerprintcode == fingerveincode))

    {

return fingerprintcode;

    }

    return 0;

}

The algorithm is an algorithm that accepts a fingerprint authentication code and a fingerprint authentication code from the integration module U1 and allows an authentication code only when the fingerprint and the low vein are the same person.

The following is a more detailed description.

The fingerprint scanning module U2 searches the fingerprint and outputs the code number of the corresponding person if there is a matching person.

The finger vein module U3 searches for a finger vein and outputs the corresponding person's code number if there is a person matching the finger vein.

The fingerprint code of the fingerprint scanning module U2 and the fingerprint code of the fingerprint module U3 are inputted into fingerprintcode and fingerveincode which are the arguments of the function name getfingerauthorization of the above algorithm so that both argument values are valid and two When the registered customer's unique number is matched, the fingerprint and finger vein integration module outputs the corresponding person's code.

If other fingerprint code and fingerprint code are invalid or do not match, an error code of 0 is output.

The following describes the procedures for registering, authenticating and deleting fingerprints and fingerprints from the self-archiving recognizer or bank.

First, as shown in FIGS. 13 to 15, registration of the fingerprint and the fingerprint is performed by the fingerprint and fingerprint recognizer (S311).

When there is a registration request in the fingerprint and fingerprint recognizer, the fingerprint and finger vein are scanned first by the finger of the person to be registered (S312).

Next, the fingerprint and the finger vein are scanned to the recognizer by the finger of the person who wants to register the fingerprint and the fingerprint of the person who intends to register after the first registration in the recognizer of the finger vein (S313).

Next, the fingerprint and finger vein are scanned by the finger of the person who intends to register the fingerprint and finger vein to the recognizer after the first registration in the fingerprint and fingerprint recognizer (S314).

In order to measure the accuracy of the registration of the fingerprint and finger vein in the recognizer, it is determined whether all three scanned images match (S315).

If the three fingerprints and the fingerprint registered in the recognizer do not coincide with each other and the three scanned images do not coincide with each other, the process is resumed. If all the scanned images match, the registration is completed (S316).

This process is performed three times to register the image of the correct fingerprint and finger vein.

Next, authentication of the fingerprint and the fingerprint is performed, and the fingerprint and fingerprint recognizer make an authentication request (S321).

The fingerprint of the fingerprint and the image of the finger vein are scanned in the fingerprint and fingerprint recognizer (S322).

In step S323, the image of the fingerprint and the finger vein scanned by the finger of the registered person is compared with the image of the fingerprint and finger vein.

In step S324, it is determined whether or not the scanned image matches the fingerprint and the fingerprint recognizer.

If all of the scanned images in the fingerprint and finger vein recognizer do not coincide with each other as described above, they are restarted. If all the scanned images match, the authentication is completed (S325).

The following is a step of deleting the registration of the fingerprint and the fingerprint, and the deletion request is made from the fingerprint and the fingerprint recognizer (S331).

The code of the party to be deleted is input to the fingerprint and fingerprint recognizer (S332).

It is determined whether the image of the code to be registered is deleted from the recognizer of the fingerprint and the finger vein (S333).

If the scanned image is not deleted from the recognizer of the fingerprint and the finger vein, the authentication is restarted. If the scanned image is deleted, the authentication is completed (S334).

As described above, when the fingerprint and the fingerprint are managed by a method of registering, authenticating and deleting the fingerprint and the fingerprint of the fingerprint and the fingerprint of the fingerprint and the fingerprint, the recognition degree of the fingerprint and fingerprint is further increased and the operation is simplified.

The following relates to a mouse as an embodiment of the present invention.

FIG. 16 is a schematic perspective view of a mouse authenticated with a fingerprint 1, a fingerprint 2 and a finger applied to the present invention. The fingerprint and finger vein of the mouse M according to the embodiment of the present invention and the fingerprint image acquisition mechanism Fig.

As shown in the figure, a scroll C, a right click C1 and a left click C2 are formed on a normal mouse M, and a fingerprint recognizer 1000 is formed on the lower left of the mouse M And a fingerprint and finger vein recognizer 2000 are formed between the upper right portion of the scroll C on the mouse M and the right click C1 and the left click C2.

The fingerprint reader 1000 on the lower left side of the mouse M has a quadrangular contact fingerprint authentication module device unit 1000a formed in the fingerprint recognition seating frame 1000b, A fingerprint authentication module 1001a and a finger vein authentication device 2000a are formed in a mouse and a camera 2000b and a plurality of infrared light sources 2000c are formed within a predetermined distance within the mouse M The finger vein authentication device 2000a captures a finger vein and confirms it.

In addition, an infrared light source 2000d for emitting infrared rays to the finger is formed on the side of the ring-shaped finger recognition seating frame 2000e formed at the center, and a fingertip support 2000f for placing a finger tip is formed at the front end of the center .

Circuits relating to authentication modules of the fingerprint and finger vein applied thereto will be described later.

Therefore, in the case of authenticating a fingerprint and / or a fingerprint at the time of e-commerce or financial settlement, a mouse is normally held in a state in which a mouse is normally used, the fingerprint of the thumb is recognized in the first fingerprint recognizer, The fingerprint of each fingerprint and / or the fingerprint is authenticated by raising the finger of the finger such as the finger or the finger.

By doing so, fingerprints and / or fingerprints can be authenticated at the time of online electronic commerce or financial settlement, so that the weakness of financial security by biometric authentication can be solved by combining two fingerprints and one fingerprint It will be possible.

In addition, the authentication method with the two-step time lag is provided for biometric authentication in the case of working on a document on a computer, And a computer hacking device capable of safely protecting the computer input data from outside without separately encrypting the input data.

The fingerprint and finger vein authentication processing unit 1180, the iris information authentication processing unit 1194 and the face information authentication processing unit 1196 in the integrated terminal according to the first embodiment of the transmitting apparatus will be described in detail.

17 is a perspective view schematically showing a configuration of an embodiment of an integrated payment apparatus using the biometric authentication integrated terminal of the present invention.

As shown in FIG. 17, in the terminal of the present invention, a magnetic card check unit 1102 is formed on one side of the integrated biometric authentication terminal 1000 used therein, and an IC card check unit 1101 is provided on the lower side And the power supply unit 1110 is turned on and the data input unit 1120 displays the settlement amount on the LCD display unit 1130 for the clerk and presses the final settlement button.

An electronic component cover 1150 is formed as a payment system on the front surface of the biometric authentication integrated terminal 1000. A fingerprint and finger vein authentication processing unit 1180 is formed on one side of the electronic component authentication processing unit 1180, The card information authentication processing unit 1190 is formed with an authentication card tag unit 1191 and a smartphone tag unit 1192. The functions of the authentication card tag unit 1191 and the smartphone tag unit 1192 can be the same or integrated , It is designed for the purpose of conveying the meaning that an independent card can be used with two guide displays and the purpose of transmitting meaning that a card registered in a smart phone can be used.

An LCD display part 1199a for a customer is formed by a hinge (not shown) so that an angle can be adjusted according to a customer's position, and the LCD display part 1199a for a customer The payment amount of the customer and the indication of the audit are displayed, and the advertisement function is added to the operation.

An iris information authentication processing unit 1194 is formed at an upper end of the customer LCD display unit 1199a and is designed together with the iris information authentication processing unit 1194 to form a face information authentication processing unit 1196. [

Reference numeral 1181 denotes a fingerprint authentication processing unit capable of using a thumb or the like, and 1182 is an infrared ray generating unit additionally transmitted to the fingerprint and finger vein authentication processing unit 1180.

When the LCD display unit 1130 is not used normally or the settlement can be made only by the LCD display unit 1130 for a clerk, the customer LCD display unit 1199a is folded and used by using a hinge. In order to repair the internal computer equipment The electrical component cover 1150 can be opened around the hinge 1151.

Next, an embodiment of a biometric authentication integrated terminal in which the present invention is connected to a connection part of a sign-pad in an existing biometric authentication integrated terminal and performs a separate independent function will be described.

18 is a schematic perspective view of a separate biometric authentication integrated terminal of the present invention combined with a conventional terminal.

As shown in the drawing, the conventional biometric authentication integrated terminal 1000a separated from the conventional biometric authentication integrated terminal has a magnetic card check part 1102 formed on one side, and an IC card check part 1190b formed on the center front of the body And the payment amount is displayed on the LCD display unit by the data input unit connected from the conventional biometric authentication integrated terminal when the power source unit 1110a is turned on and the final payment button is pressed.

In order to design a payment system, an electronic component cover 1150 is formed on the front surface of the biometric authentication integrated terminal 1000a, and a fingerprint and / or finger vein authentication processing unit 1180 is formed on one side And a card information authentication processing unit 1190 is formed at a central portion of the card information authentication processing unit 1190. The card information authentication processing unit 1190 is formed with an authentication card tag unit and a smart phone tag unit so that a card or the like can be used for payment, It is possible to create one guide display unit.

A fingerprint authentication processing unit 1181 is formed on one side of the electrical component cover 1150, and is formed for a user who is authenticated and registered with only a simple fingerprint.

The fingerprint authentication processing unit 1181 may be installed independently.

An LCD display unit 1199a for a customer is formed by a hinge 1151a for adjusting the angle of the LCD display unit 1199a according to a customer's location. Payment amounts and auditing signs are displayed, and advertising functions are added to operate them.

An iris information authentication processing unit 1194 is formed at an upper end of the customer LCD display unit 1199a and is designed together with the iris information authentication processing unit 1194 to form a face information authentication processing unit 1196. [

In addition, a password input button 1120a is formed on the upper part of the electrical component cover 1150 in such a manner that a password input button 1120a can be used when requesting a password after fingerprint authentication, and a usage amount used by the user is confirmed And a password change input button 1120c is formed on the other side for use in password modification.

At the lower end of the password input button 1120a, a wireless electric charger 1190a capable of wirelessly charging electricity to the card is formed so that the card can supply power to the card when the card for fingerprint authentication is contacted.

A main body connection jack 1110b which can be connected to an integrated terminal of the main body is formed at the back of the biometric authentication integrated terminal 1000a.

An unexplained reference numeral 1182 denotes an infrared ray emitting unit which is further transmitted to the fingerprint and finger vein authentication processing unit 1180.

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
1000: Fingerprint reader
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
2000: fingerprint recognizer

Claims (8)

A method of processing a financial transaction relay system comprising:
Accessing a personal financial transaction relay server of the financial transaction relay system from a customer terminal of the financial transaction relay system through a communication network;
Acquiring fingerprint information through the fingerprint reader of the customer terminal, transmitting the fingerprint information to the personal finance transaction relay server through the communication network, and registering the fingerprint information in the database in response to the customer terminal in the personal finance transaction relay server ;
When the customer terminal processes an authentication procedure to perform any one of online banking transactions and electronic commerce transactions, the personal financial transaction relay server processes fingerprint authentication by receiving only fingerprint information from the customer terminal;
And if the transmitted fingerprint information matches the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction A transaction processing method of a transaction relay system,
The step of processing the fingerprint authentication includes: transmitting, by the customer terminal, the personal information to the recipient-side exchange of the personal finance relay transaction server using the DTMF signal; Returning a predetermined authentication number from the receiver side exchange of the personal finance relay transaction server; Converting the fingerprint information into an arrangement of the DTMF signals and transmitting the DTMF signals to the reception device in accordance with the conversion logic based on the predetermined authentication number returned; Reconstructing the converted DTMF signal into an array of DTMF signals originated by a user according to conversion logic based on an authentication number used for DTMF signal conversion; If the transmitted fingerprint information coincides with the fingerprint information registered in the personal finance transaction relay server, accessing the online bank system or the electronic commerce system through the personal finance transaction relay server without authentication and relaying the financial transaction A method for processing an anti-hacking financial transaction relay system having multiple security lock functions
The personal banking system according to claim 1, wherein the personal finance transaction relay server authenticates using the telephone number of the customer terminal stored in the database, or stores the password for the account account number of the customer terminal in the database And registering the fingerprint information of the customer terminal as a member of the personal finance transaction relay server by matching any one of a telephone number and an account password to the fingerprint information of the customer terminal. Processing method of relay system
The method of claim 1 or 2, wherein the customer terminal is any one of a smart phone and an integrated terminal, and the fingerprint information is fingerprint information, iris information, or face information. Processing method of financial transaction relay system for preventing hacking
The method of claim 3,
The fingerprint recognizer 1000 is formed on the lower left of the mouse M so that the fingerprint and the finger vein can be photographed by the mouse and a finger vein recognizer 2000 is formed on the upper side of the mouse M, The fingerprint authentication module 1001a and the finger vein authentication device unit 2000a can be simultaneously formed in the fingerprint authentication system 2000 so that they can be authenticated with time lag. Processing method
The method of claim 3,
The fingerprint recognizer 1000 and the finger vein reader 2000 that perform the fingerprint information and the fingerprint information include an integration module U1 and a fingerprint scan module U2 and a fingerprint module U3 and a conversion module U4 The fingerprint scanning module U2 scans the fingerprint image from the image sensor and compares the fingerprint image with a previously stored image to output a registered authentication code of the person when there is a person with the same fingerprint image through 232 serial communication, The module U3 transmits the registered authentication code of the person to the 485 serial communication when the finger is transmitted through the infrared LED and the finger is scanned from the camera image sensor and compared with the pre-stored finger image. , The conversion module U4 receives the 485 serial communication output from the finger vein module and converts it into 232 serial communication such as the fingerprint scanning module U2 and outputs the converted fingerprint The fingerprint authentication code output from the scan module U2 and the fingerprint authentication code output from the fingerprint module U3 are received by the integration module U1 and any one of the fingerprint and the fingerprint authentication code The method comprising the steps of: a) providing a plurality of security-lock functions;
6. The method of claim 5,
The line GND1 of the fingerprint scanning module U2 is a (-) voltage circuit, the line RX2 is a serial data receiving port, the line TX3 is a serial data transmitting port, and the line VCC4 is a (+) Voltage reference. These images are scanned by an image sensor and compared with a previously stored image, and when there is a person of the same fingerprint image, the registered authentication code of the person is outputted through 232 communication A processing method of a financial transaction relay system for preventing hacking
6. The method of claim 5,
The line A 2 is the serial communication standard RS485 communication A port, the line B 3 is the serial communication standard RS485 communication B port, the line V 2 Line 4 is the (+) voltage reference of the power supply circuit, the GND line 1 on the left side of the conversion module U4 is the reference of the negative voltage, the A 2 line is the serial communication standard RS485 communication A port, Line 3 is a serial communication standard RS485 communication B port and VCC line 4 is a (+) voltage reference and the DI 5 line on the right side of the conversion module U4 linked with the finger vein module U3 is a serial 232 communication Wherein the line RE 6 is a 485 communication control port, the line DE 7 is a 485 communication control port, and the line RO 8 is a serial 232 communication transmission port. How to deal with financial transaction relay system
8. The method of claim 7,
The line D1 / TX of the integration module U1 is a serial 232 communication transmission port, the line D0 / RX 2 is a serial 232 communication reception port, the line GND 4 is a reference of a negative voltage, The line D2 is the serial 232 communication transmission line, the line D3 6 is the fingerprint scanning module (U2) serial 232 communication reception line, and the line D8 11 is the serial of the serial communication module U4 of the 485-232 communication conversion module 232 communication transmission port, the D9 12 line is a 485 communication control port of the 485-232 communication conversion module (U4), and the D10 13 line is a 485-232 communication conversion (U4) 485 communication control port, D11 line 14 is the serial 232 communication receiving port of the 485-232 communication conversion module (U4), 5V line 27 is the (+) voltage 5V output PIN, and GND 29 Line is the reference of the negative voltage and the VIN line 30 is the (+) voltage reference. These configurations are based on the fingerprint authentication code output from the fingerprint scanning module U2, The finger vein authentication code output from the module U3 is converted into 232 communication from the conversion module U4 and is received by the integration module U1. When the fingerprint and the finger vein authentication code coincide with each other, the corresponding authentication code is output via USB A method for processing an anti-hacking financial transaction relay system having multiple security lock functions

Images