KR20220040373A - Method of sending the dangerous signal for dealing USB for matching biometric identification in bank - Google Patents

Abstract

The present invention relates to a method of transmitting a danger signal during a financial transaction using a detachable USB interconnected with biometric identification, capable of transmitting a biometric means using a fingerprint/finger-vein recognition sensor by installing the means in a USB and interconnecting the means with a biometric authentication signal so as to protect security and prevent hacking during a financial transaction. The method comprises: an (ab) normal transaction fingerprint/finger-vein input screen providing step (S1016a) of providing an (ab) normal transaction fingerprint/finger-vein input screen to a smartphone or a USB after an authentication state signal display step (S1015); an abnormal transaction N^th fingerprint information input step (S1016b (1)) of touching N^th fingerprint information among fingerprints for a case (1) in which abnormal transaction N^th fingerprint information needs to be inputted, after the (ab) normal transaction fingerprint/finger-vein input screen providing step (S1016a); an abnormal transaction N^th fingerprint information matching determination step (S1016c) of determining whether the abnormal transaction N^th fingerprint information is matched after the abnormal transaction N^th fingerprint information input step (S1016b (1)); and a warning network system operation step (S1016d) of operating a warning network system after the abnormal transaction N^th fingerprint information matching determination step (S1016c).

Description

Method of sending the dangerous signal for dealing USB for matching biometric identification in bank}

The present invention relates to a method for transmitting a risk signal in financial transactions using a detachable and detachable USB connected to biometrics. In particular, to prevent security and hacking in financial transactions, biometric means by a fingerprint/finger vein recognition sensor is connected to USB. It relates to a method for transmitting a risk signal in financial transactions using a removable and detachable USB connected to biometrics that is mounted and transmitted in conjunction with a biometric authentication signal.

The present inventor applied for a patent for a 3D stereoscopic imaging device as a fingerprint and finger vein authentication device according to Patent Application No. 10-2016-46122 for technical matters applied as the subject of this patent application, and also applied for a patent in domestic patent application No. 10 Patents have been applied for algorithms for fingerprints and fingerprints, fingerprints and finger veins, and finger veins and veins according to -2016-0153836, 10-2016-0157310, and 10-2016-0157311 Nos.

The financial transaction relay system 2 of the prior Patent Registration No. 10-1543222 relays bank transactions and e-commerce transactions in an authentication-free access method using a multi-safe lock function including fingerprint recognition.

To this end, the financial transaction relay system 2 of the present invention registers as a member in the personal financial transaction relay server 100 through fingerprint recognition, account password authentication, and phone number authentication, and the customer terminal 200 and the online banking system 300 ) and the electronic commerce systems 400, when performing a financial transaction, process so that an unauthenticated connection is made through fingerprint authentication.

The financial transaction relay system 2 of the present invention includes communication networks 4 and 6, a customer terminal 200, an online banking system 300, an e-commerce system 400, and a personal financial transaction relay server 100. include

The communication networks 4 and 6 are, for example, wired and wireless communication networks, mobile communication networks, etc., and include the customer terminal 200, the online banking system 300, the personal financial transaction relay servers 100, and the customer terminal 200 and electronic commerce. It is provided as a single or complex communication network that is connected so that data communication is made between the system 400 and the personal financial transaction relay servers 100 .

The customer terminal 200 is provided with, for example, a portable computer or personal computer such as a smart phone, a tablet computer, a notebook computer, etc., and connects to 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 connects with the online banking system 300 and the e-commerce system 400 through the personal financial transaction relay server 100 . carry out financial transactions of

The customer terminal 200 includes a fingerprint recognizer 210 that acquires fingerprint information. The customer terminal 200 provides the fingerprint information obtained from the fingerprint reader 210 to the personal financial transaction relay server 100 through the communication network 4 . The customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 and registers as a member. At this time, the customer terminal 200 registers fingerprint information and phone number with the personal financial transaction relay server 100 , and registers the account password registered in the online banking system 300 with the personal financial transaction relay server 100 . .

When registering as a member, the customer terminal 200 is authenticated multiple times using fingerprint information, phone number, and account password to the personal financial transaction relay server 100 . In addition, the customer terminal 200 provides fingerprint information to the personal financial transaction relay server 100 for financial transactions with the online banking system 300 and the electronic commerce system 400 .

The online banking system 300 is provided in the affiliated bank to process online banking transactions, for example, financial transactions such as deposits and withdrawals and transfers. In the online banking system 300 , the customer terminal 200 is connected without authentication through the personal financial transaction relay server 100 during a financial transaction.

The e-commerce system 400 is, for example, a department store, an online shopping mall system such as a discount store, a passenger transportation reservation system such as an airline, a railroad, an accommodation reservation system such as a condominium, a hotel, a movie, a play, a culture such as a concert It is provided with a performance reservation system, a leisure reservation system, etc., and when using an e-commerce transaction through the personal financial transaction relay server 100, the customer terminal 200 is connected without authentication.

In addition, the personal financial transaction relay server 100 registers as a member through the multi-safe lock module 110 when the customer terminal 200 registers as a member, and provides financial services with the online banking system 300 and the e-commerce system 400 . During transaction, fingerprint information is received from the customer terminal 200 and authenticated, and when financial transactions and e-commerce transactions are performed with the online banking system 300 and the e-commerce system 400, the financial transaction is processed through fingerprint authentication to make a non-authentication connection. do. This personal financial transaction relay server 100 builds a personal portal site for personal financial transactions.

Specifically, as shown in FIG. 2 , the personal financial transaction relay server 100 includes a control unit 102 , a communication unit 104 , a multi-safety lock module 110 , and a database 120 . Although not shown in the figure, the personal financial transaction relay server 100 includes components of a typical computer system, for example, a central processing unit, a memory device, an input/output device, and a storage device.

The controller 102 controls and processes overall operations of the personal financial transaction relay server 100 . The control unit 102 may include, for example, not only hardware such as a central processing unit, a memory, or a web server, but also software such as an operating system program and a control program. The control unit 102 receives 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 e-commerce system 400, and the online banking system 300 and processing the multi-security lock module 110 to establish an unauthorized connection to the e-commerce system 400 .

The communication unit 104 connects the customer terminal 200, the online banking system 300, and the e-commerce system 400 through the communication networks 4 and 6, so that financial transactions and e-commerce transactions are performed through unauthenticated connections. 200) and the personal financial transaction relay server 100 are connected.

The multi-safe lock module 110 is provided as, for example, middleware, and has a personal authentication function of the customer terminal 200 and a firewall function for blocking hacking. In this embodiment, the multi-safe lock module 110 receives the fingerprint information from the customer terminal 200 and compares it with the fingerprint information previously registered in the database 120, the fingerprint recognition processing unit 112, and the online banking system 300 ) includes an account password processing unit 114 for registering the account password of the registered customer terminal 200 and a phone number authentication processing unit 116 for authenticating using the phone number of the customer terminal 200 .

In addition, the database 120 stores various information according to the processing process of the multi-safety lock module 110 under the control of the controller 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 . Member information 122 is information input when each of the customer terminals 200 register as a member of the personal financial transaction relay server 100, that is, user information of the customer terminals 200, for example, name, ID ( ID), password, phone number, email address, etc. 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 obtained from the fingerprint reader 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 . In addition, the financial information 126 stores the password of the passbook account registered in the online banking system 300 of the customer terminal 200 .

In addition, as another prior art of another person, as a USB technology for fingerprint authentication, in Patent Publication No. 10-2007-0121237, the fingerprint sensor unit 100 uses a semiconductor fingerprint recognition sensor that acquires a user's fingerprint with an electromagnetic function or heat. It is desirable to enable accurate user authentication by using a slide sensor with a detection function to prevent a reaction to a contact having characteristics such as too dry or cold dead skin. In addition, it is preferable that the LED 130 is provided so that the user can check whether the sensing is performed.

The fingerprint authentication CPU unit 200 converts the fingerprint image data acquired from the fingerprint sensor unit 100 into digital fingerprint information through an image processing algorithm. Therefore, it is desirable to use a DSP microprocessor with a RISK structure with a processing capacity of 400MIPS or more.

In addition, SDRAM (SDRAM) 210 and flash memory (FLASH Memory) 220 are interfaced to the fingerprint authentication CPU unit 200 to store a fingerprint authentication program or user's fingerprint information required for fingerprint authentication, It is preferable that a high-speed UART and a parallel interface be used for communication with the fingerprint sensor unit 100 .

On the other hand, it is preferable that the fingerprint authentication CPU 200 is interfaced with a GPIO 230 that can check the status of the USB fingerprint authentication module from the outside and a JTAG 240 for program download and debug.

In addition, in the fingerprint authentication CPU unit 200, the IRDA 250 that enables data transmission between devices without a cable using infrared rays and the I2C 260 interface that enables high-speed serial communication within the board can be extended and used. good night.

The CPU power control unit 300 controls the operation of the fingerprint authentication CPU unit 200 according to a command of the microcontroller, and is driven only when the fingerprint authentication CPU unit 200 is operated in order to minimize power consumption. It is preferable to do

In addition, it is preferable that the CPU power control unit 300 is provided with an LDO regulator 310 and a power stabilization circuit 320 to increase power efficiency and minimize ripple power.

The USB controller 400 exchanges digital fingerprint information converted in the fingerprint authentication CPU unit 200 between the fingerprint authentication CPU unit 200 and the user computer 10, and the fingerprint authentication CPU unit 200 and It is preferable to use an SPI interface to enable data exchange between user computers 10 through serial communication.

In this financial transaction method of the conventional first embodiment as described above, since a fingerprint is mounted on the smart phone itself, if the smart phone is lost, the theft of the fingerprint is also vulnerable in terms of security.

Contrary to this, in the case of the removable USB of the second embodiment, although it is used for computer authentication using various fingerprints for security, a matching method as a simple payment system has not been developed.

Accordingly, the present invention provides a technology that can be used for authentication of a computer using a conventional USB fingerprint in order to solve the vulnerability in which a fingerprint is mounted on the conventional smart phone itself as described above. The purpose is to develop a system to provide double security as a simple payment system.

In addition, in the case of fingerprint authentication by kidnapping or coercion, additional supplementary measures were required.

Moreover, in the case of smartphones, there are technical problems, but there are many problems in the operating system because even companies of the same type must develop and apply security handling methods or security apps depending on the model. There was a need to develop an app that can be used universally or a separate device.

In the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 in step S1000, and joins as a member in step S1001 (S1001) ); After the member registration step (S1001), the customer terminal 200 acquires fingerprint/finger vein information through a fingerprint/finger vein recognizer, and relays a plurality of fingerprint/finger vein information through the communication network 4 for personal financial transactions. Fingerprint / finger vein information transmission step of transmitting to the fingerprint / finger vein recognition processing unit in the server 100 (S1004); When 'N' is selected in the fingerprint / finger vein information transmission step (S1004), a financial transaction execution confirmation step (S1012) of determining whether to execute a financial transaction; After the financial transaction execution confirmation step (S1012), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and provides a financial transaction settlement process that provides a financial transaction settlement process related thereto step (S1013); After the financial transaction settlement process providing step (S1013), when entering the fingerprint information of the normal transaction A (②), the normal transaction A address fingerprint information input step (S1016b②) of touching the fingerprint information of No. A among fingerprints; After the normal transaction A address fingerprint information input step (S1016b②), the normal transaction A address fingerprint information matching step (S1016e) for determining whether or not the normal transaction A address fingerprint information matches; After the normal transaction A address fingerprint information match determination step (S1016e), the personal financial transaction relay server 100 checks whether the registered fingerprint / finger vein authentication, phone number authentication, and account / card password are matched with USB and Fingerprint/finger vein authentication, phone number authentication, and checking whether the account/card password matches each other (S1016); In addition, the personal financial transaction relay server 100 determines whether fingerprint / finger vein authentication, phone number authentication, and account / card password are mutually matched in step S1016, and then the fingerprint / finger vein input on the USB is fingerprint / finger vein recognition Fingerprint/finger vein matching step (S1017) on the USB to determine whether or not the authentication information of the fingerprint/finger vein registered in the processing unit is consistent with each other; After the fingerprint/finger vein matching step (S1017) on the USB, when the customer terminal 200 processes the fingerprint/finger vein authentication procedure in order to perform online banking and electronic commerce transactions, the fingerprint/finger vein recognition processing unit The personal financial transaction relay server 100 connects to the online banking system 300 or the electronic commerce system 400 without authentication according to the return signal received from the financial transaction relay step (S1018); After the financial transaction relay step (S1018), after the unauthenticated financial transaction is relayed, the financial transaction relay step (S1019), which is completed after executing various financial transactions In the transmission method, after the member registration step (S1001), the customer terminal 200 USB connection confirmation step (S1002) to determine whether the fingerprint / finger vein recognizer is connected to the USB; After the USB connection confirmation step (S1002), a connection state signal display step (S1003) of displaying the connection state on the customer terminal 200, and displaying a red signal recognizing the connection state on the display unit on the USB; After the financial transaction settlement process providing step (S1013), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and in the financial transaction settlement process, fingerprint / Fingerprint / finger vein information input confirmation step (S1014) on USB to determine whether to input by finger veins; After the USB fingerprint / finger vein information input confirmation step (S1014), the personal financial transaction relay server 100 displays a red signal on the USB when inputting the fingerprint / finger vein information on the USB. S1015); In addition, after the authentication state signal display step (S1015), a (non) normal transaction fingerprint / finger vein input screen providing step (S1016a) of providing a (non) normal transaction fingerprint / finger vein input screen to a smart phone or USB; After the (non) normal transaction fingerprint/finger vein input screen providing step (S1016a), when it is necessary to input the fingerprint information of N number of abnormal transaction (①), input the fingerprint information of N number of non-normal transaction that touches the fingerprint information of number N among fingerprints step (S1016b①); After the abnormal transaction N address fingerprint information input step (S1016b ①), the abnormal transaction N address fingerprint information matching step (S1016c) for determining whether the abnormal transaction N address fingerprint information matches or not; After the abnormal transaction N address fingerprint information matching step (S1016c), the warning network system operation step (S1016d) in which the warning network system is operated; It is a signal transmission method.

And, in the present invention, after the USB connection confirmation step (S1002), the smart phone (computer) or the spot advertisement execution step of the USB display unit on the display unit on the smart phone (computer) or USB to execute the spot advertisement momentarily to the display unit on the smart phone (computer) or USB (S1003a) is a risk signal transmission method during financial transactions using a removable and detachable USB linked to biometrics, characterized in that it further comprises.

And, in the present invention, the financial transaction method using the removable and detachable USB linked to biometrics is a virtual currency transaction method using a removable and detachable USB linked to biometrics applied according to the procedure of virtual currency transaction biometrics, characterized in that It is a risk signal transmission method in financial transactions using a detachable and detachable USB connected to

As described above, the present invention can be attached to and detached from a smart phone or computer using a technology that can be utilized for computer authentication using a conventional USB fingerprint in order to solve the vulnerability in which a fingerprint is mounted on the conventional smart phone itself as described above. By developing a system that can do this, if you take out the USB and keep it, you cannot make financial transactions with the smartphone itself, so there is an effect of double security as a simple payment system.

Accordingly, even if the smartphone is lost, if you have only a USB, payment is not made, and if you do not authenticate yourself to the USB, there is a double effect that payment is not made.

In addition, in the case of authentication of fingerprints by kidnapping or coercion, a separate supplementary measure is taken, and there is an effect of establishing a system of contacting the emergency countermeasures team in the case of authentication of fingerprints by coercion.

Moreover, in the case of a smartphone, even a company of the same type must develop and apply a security handling method or a security app depending on the model, but it also solves the technical problems and unifies the operating system, so that it can be applied to computers in general. It has an effect that can be used.

The financial transaction relay system of the present invention can provide a safety lock function according to financial transactions by registering the fingerprint/finger vein information, phone number and account/card password of the customer terminal with one membership registration, It is possible to solve the inconvenience of issuance, so it is possible to provide economic convenience of new changes to financial transactions.

1 is a block diagram showing a network configuration of a financial transaction relay system according to a first conventional invention;
2 is a block diagram showing the configuration of the personal financial transaction relay server shown in FIG.
3 is a block diagram showing the configuration of a USB fingerprint authentication module using the slide fingerprint sensor of the second invention.
4 is a block diagram showing the configuration of the CPU unit of the USB fingerprint authentication module using the slide fingerprint sensor of the second invention.
5 is a flowchart illustrating a procedure of relay processing an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system according to the present invention, and shows the registration procedure of fingerprint and finger vein authentication using USB.
6 is a flowchart illustrating a procedure for relay processing an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system according to the present invention, and shows the procedure of fingerprint and finger vein authentication of the authentication method using USB.
7 is a diagram of a smartphone conceptually illustrating a fingerprint image acquisition mechanism of an authentication device using a USB according to the present invention.
8 is a diagram of a smart phone conceptually illustrating an image acquisition mechanism of a finger vein of an authentication device using a USB of the present invention.
9 is a view showing an example of the internal electronic configuration of the authentication device of the present invention.
10 shows a finger fingerprint surface (a) and a finger side surface (b) of the same finger photographed by the finger vein image sensor and the finger fingerprint image sensor.
10 is a view showing the image of the fingerprint and the finger veins for two fingers of the present invention separately.
11 is a view showing an input/output integrated module that interlocks an algorithm of a fingerprint and a finger vein.
12 is a flowchart for requesting registration of fingerprints and finger veins.
13 is a flowchart for requesting authentication of fingerprints and finger veins.
14 is a flowchart for requesting deletion of fingerprints and finger veins.
15 is an exemplary configuration diagram of a fingerprint or/and finger vein imaging authentication device according to an embodiment applied in the present invention;
16 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and digital processing circuit of the first conventional fingerprint invention applied to the present invention are applied.
17 is a block diagram showing the configuration of a single-chip fingerprint recognition device according to the second conventional fingerprint invention applied to the present invention.
18 is a block diagram showing a single-chip implementation example of a fingerprint recognition device according to a conventional second fingerprint invention applied to the present invention.
19 is an exemplary diagram comparing fingerprint recognition using a specific point of a fingerprint according to the conventional third fingerprint invention applied to the present invention;
20 is a flowchart illustrating the operation process of the biometric security device according to an embodiment of the prior art finger vein invention applied to the present invention,
21 is a diagram illustrating the setting of a reference point of an effective site during capillary imaging of a conventional finger vein invention applied to the present invention;
22 is a diagram illustrating the image segmentation and binarization process of the preprocessor of the conventional finger vein invention applied to the present invention.
23 is an external view of a finger vein pattern input device according to an embodiment of the prior art applied to the present invention.
24 is a cross-sectional view of FIG. 23 applied to the present invention.
25 is a diagram of a smart phone conceptually illustrating an image acquisition mechanism of the first fingerprint and finger veins of the authentication device using a horizontal style USB according to the present invention according to FIGS. 5 and 6 .
26 is a diagram of a smart phone conceptually illustrating an image acquisition mechanism of a second fingerprint and finger veins of the authentication device using the horizontal style USB of the present invention according to FIGS. 5 and 6 .
27 is a diagram of a smartphone conceptually illustrating a fingerprint image acquisition mechanism of an authentication device using a vertical style USB according to the present invention according to FIGS. 5 and 6 .
28 is an internal electronic configuration example of a finger vein photographing authentication device according to a preferred embodiment of the present invention.
29 is a flowchart illustrating a procedure of relay processing an unauthenticated financial transaction using the multi-safe lock function of the financial transaction relay system linked to an advertisement according to the present invention, and shows the registration procedure of fingerprint and finger vein authentication using USB. .
30 is a flowchart illustrating a procedure for relaying an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system linked to the advertisement according to the present invention of FIG. 29. Fingerprint and finger vein authentication of the authentication method using USB shows the sequence of

Hereinafter, the present invention will be described in detail so that those skilled in the art can easily understand and reproduce it through preferred embodiments of the present invention described with reference to the accompanying drawings.

Since the meaning of use may be included with the meaning of each use of the term "or", the term sometimes includes the concept of "or/and".

In addition, the term customer terminal is used generically for smartphones, computers, and the like.

First, in order to help the understanding of the technical content of the present invention, even in the prior art related to FIG. 1, the technical content forming the basis of the present invention is linked.

5 is a flowchart illustrating a procedure of relay processing an unauthenticated financial transaction using the multi-safe lock function of the financial transaction relay system according to the present invention, showing the registration procedure of fingerprint and finger vein authentication using USB; is a flowchart illustrating a procedure for relay processing an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system according to the present invention, and shows the fingerprint and finger vein authentication procedures of the authentication method using USB.

5 is a flowchart illustrating a procedure for relaying an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system according to the present invention. This procedure is a program processed by the personal financial transaction relay server 100 , and this program is stored in a storage device (not shown) of the financial transaction relay server 100 . This program allows financial transactions and e-commerce to be performed through an unauthenticated connection between the customer terminal 200, the online banking system 300, the e-commerce system 400, and the personal financial transaction relay servers 100 through the communication networks 4 and 6 They are processed in conjunction with each other to make it happen.

That is, in the present invention, in the financial transaction relay system 2, the customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 in step S1000, and joins as a member in step S1001. (S1001);

After the membership registration step (S1001), the customer terminal 200 is a USB connection confirmation step (S1002) for determining whether the fingerprint / finger vein recognizer is connected to the USB;

After the USB connection confirmation step (S1002), a connection state signal display step (S1003) of displaying the connection state on the customer terminal 200, and displaying a red signal recognizing the connection state on the display unit on the USB;

After the connection state signal display step (S1003), the customer terminal 200 acquires fingerprint/finger vein information through the fingerprint/finger vein recognizer, and relays the fingerprint/finger vein information through the communication network 4 for personal financial transactions. Fingerprint / finger vein information transmission step to transmit to the server 100 (S1004);

At this time, in the case of a previously registered member, by selecting No, the process proceeds to a financial transaction execution confirmation step (S1012), which will be described later.

After the fingerprint / finger vein information transmission step (S1004), the personal financial transaction relay server 100 registers fingerprint / finger vein information in the database of fingerprint / finger vein storage on USB with a fingerprint / finger vein recognizer on USB. Fingerprint / finger vein information registration guide step (S1005);

After the fingerprint / finger vein information registration guide step on the USB (S1005), the personal financial transaction relay server 100 determines whether a phone number is input through the customer terminal 200, a phone number input determination step (S1006);

After the phone number input determination step (S1006), by inputting a phone number in the customer terminal 200, and verifying whether the phone number matches the number of the registered customer terminal 200 or not (S1007);

After the phone number matching step (S1007), the personal financial transaction relay server 100 determines whether the password for the passbook account number and card number of the customer terminal 200 is entered (S1008);

After the passbook and card password input confirmation step (S1008), the personal financial transaction relay server 100 enters the password for the passbook account number and card number of the customer terminal 200, the registered passbook/card password is stored in the financial information 126 of the database 120 / passbook / card password storage step (S1009);

After the passbook/card password storage step (S1009), the personal financial transaction relay server 100 includes a simple payment member registration confirmation step (S1010) of determining whether the subscriber is registered as a member;

After the simple payment member registration confirmation step (S1010), the personal financial transaction relay server 100 registers the customer terminal 200 as a member by matching fingerprint / finger vein authentication, phone number authentication, and account / card password registration. USB connection configuration completion step (S1011) to complete the connection configuration by the customer terminal 200 and USB;

a financial transaction execution confirmation step (S1012) of determining whether to execute a financial transaction after the completion of the connection configuration by USB with the customer terminal 200 in step S1011;

After the financial transaction execution confirmation step (S1012), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and provides a financial transaction settlement process that provides a financial transaction settlement process related thereto step (S1013);

After the financial transaction settlement process providing step (S1013), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and in the financial transaction settlement process, fingerprint / Fingerprint / finger vein information input confirmation step (S1014) on USB to determine whether to input by finger veins;

After the USB fingerprint / finger vein information input confirmation step (S1014), the personal financial transaction relay server 100 displays a red signal on the USB when inputting the fingerprint / finger vein information on the USB. S1015);

In addition, after the authentication status signal display step (S1015), the personal financial transaction relay server 100 performs USB and fingerprint/ Finger vein authentication, phone number authentication, and checking whether the account / card password is mutually matching step (S1016);

In addition, the personal financial transaction relay server 100 determines whether fingerprint / finger vein authentication, phone number authentication, and account / card password are mutually matched in step S1016, and then fingerprint / finger vein input on USB is registered fingerprint / designation A fingerprint/finger vein matching step (S1017) on the USB to determine whether it is mutually consistent with the authentication signal of the Mac;

After the fingerprint/finger vein matching step (S1017) on the USB, when the customer terminal 200 processes the fingerprint/finger vein authentication procedure in order to perform online banking and electronic commerce transactions, the personal financial transaction relay server ( 100) is a financial transaction relay step (S1018) of relaying financial transactions by accessing the online banking system 300 or the electronic commerce system 400 without authentication;

After the financial transaction relay step (S1018), after the unauthenticated financial transaction is relayed, the financial transaction relay step (S1019) is completed after executing various financial transactions.

Hereinafter, it will be described in detail as follows.

Referring to FIG. 5 , in the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 in step S1000, and joins as a member in step S1001 do. At this time, the customer terminal 200 inputs member information such as name, ID, password, phone number, and e-mail address.

In step S1002, the customer terminal 200 determines whether the fingerprint / finger vein recognizer is connected to the USB.

In step S1003, the connection state is displayed on the customer terminal 200, and a red signal recognizing the connection state is displayed on the display unit on the USB.

In step S1004, the customer terminal 200 acquires fingerprint/finger vein information through the fingerprint/finger vein recognizer, and transmits the fingerprint/finger vein information to the personal financial transaction relay server 100 through the communication network 4 .

In step S1005, the personal financial transaction relay server 100 registers fingerprint / finger vein information in the database of the fingerprint / finger vein storage on the USB with the fingerprint / finger vein recognizer on the USB.

In step S1006 , the personal financial transaction relay server 100 determines whether a phone number has been entered through the customer terminal 200 .

In step S1007, by inputting a phone number from the customer terminal 200, it is authenticated whether the number of the previously registered customer terminal 200 matches.

In step S1008, the personal financial transaction relay server 100 determines whether passwords for the passbook account number and card number of the customer terminal 200 are input.

In step S1009, when the personal financial transaction relay server 100 inputs the password for the passbook account number and card number of the customer terminal 200, the registered passbook/card password is stored in the financial information 126 of the database 120. is saved

In step S1010, the personal financial transaction relay server 100 determines whether the subscriber is registered as a simple payment member.

In step S1011, the personal financial transaction relay server 100 registers the customer terminal 200 as a member by matching fingerprint / finger vein authentication, phone number authentication, and account / card password registration, and links the customer terminal 200 with the USB Complete the configuration.

The member registration here is a member registration that is used as usage information for payment according to the above three methods.

After the completion of the connection configuration by USB with the customer terminal 200 of step S1011, it is determined whether or not a financial transaction is executed in step S1012.

In step S1013, the personal financial transaction relay server 100 provides a financial transaction selection screen for performing a financial transaction, and provides a financial transaction settlement process related thereto.

In step S1014, the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and in the financial transaction settlement process related thereto, it is determined whether input is made with a fingerprint/finger vein on the USB.

In step S1015, the personal financial transaction relay server 100 displays a red signal on the USB when inputting with a fingerprint/finger vein on the USB.

In addition, in step S1016, the personal financial transaction relay server 100 checks whether the registered fingerprint / finger vein authentication, phone number authentication, and account / card password match each other.

In addition, in step S1017, the personal financial transaction relay server 100 determines whether fingerprint / finger vein authentication, phone number authentication, and account / card password are mutually matched in step S1016, and then the fingerprint / finger vein input on the USB is registered. It is determined whether the authentication signal of the fingerprint/finger vein is consistent with each other.

In step S1018, when the customer terminal 200 processes the fingerprint/finger vein authentication procedure of step S1017 in order to perform online banking transactions and e-commerce transactions, the personal financial transaction relay server 100 is unauthenticated in the online banking system 300 Alternatively, the financial transaction is relayed by accessing the electronic commerce system 400 .

In step S1019, after the unauthenticated financial transaction is relayed, various financial transactions are executed and then ended.

And, the invention born as another procedure is as follows.

As another invention, after the member registration step (S1001), the customer terminal 200 acquires fingerprint/finger vein information through a fingerprint/finger vein recognizer, and a plurality of fingerprint/finger vein information through the communication network 4 A fingerprint / finger vein information transmission step of transmitting to the fingerprint / finger vein recognition processing unit in the personal financial transaction relay server 100 (S1004); When 'N' is selected in the fingerprint / finger vein information transmission step (S1004), a financial transaction execution confirmation step (S1012) of determining whether to execute a financial transaction; After the financial transaction execution confirmation step (S1012), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and provides a financial transaction settlement process that provides a financial transaction settlement process related thereto step (S1013); After the financial transaction settlement process providing step (S1013), when entering the fingerprint information of the normal transaction A (②), the normal transaction A address fingerprint information input step (S1016b②) of touching the fingerprint information of No. A among fingerprints; After the normal transaction A address fingerprint information input step (S1016b②), the normal transaction A address fingerprint information matching step (S1016e) for determining whether or not the normal transaction A address fingerprint information matches; After the normal transaction A address fingerprint information match determination step (S1016e), the personal financial transaction relay server 100 checks whether the registered fingerprint / finger vein authentication, phone number authentication, and account / card password are matched with USB and Fingerprint/finger vein authentication, phone number authentication, and checking whether the account/card password matches each other (S1016); In addition, the personal financial transaction relay server 100 determines whether fingerprint / finger vein authentication, phone number authentication, and account / card password are mutually matched in step S1016, and then the fingerprint / finger vein input on the USB is fingerprint / finger vein recognition Fingerprint/finger vein matching step (S1017) on the USB to determine whether or not the authentication information of the fingerprint/finger vein registered in the processing unit is consistent with each other; After the fingerprint/finger vein matching step (S1017) on the USB, when the customer terminal 200 processes the fingerprint/finger vein authentication procedure in order to perform online banking and electronic commerce transactions, the fingerprint/finger vein recognition processing unit The personal financial transaction relay server 100 connects to the online banking system 300 or the electronic commerce system 400 without authentication according to the return signal received from the financial transaction relay step (S1018); After the financial transaction relay step (S1018), after the unauthenticated financial transaction is relayed, the financial transaction relay step (S1019), which is completed after executing various financial transactions In the transmission method, after the member registration step (S1001), the customer terminal 200 USB connection confirmation step (S1002) to determine whether the fingerprint / finger vein recognizer is connected to the USB; After the USB connection confirmation step (S1002), a connection state signal display step (S1003) of displaying the connection state on the customer terminal 200, and displaying a red signal recognizing the connection state on the display unit on the USB; After the financial transaction settlement process providing step (S1013), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and in the financial transaction settlement process, fingerprint / Fingerprint / finger vein information input confirmation step (S1014) on USB to determine whether to input by finger veins; After the USB fingerprint / finger vein information input confirmation step (S1014), the personal financial transaction relay server 100 displays a red signal on the USB when inputting the fingerprint / finger vein information on the USB. S1015); In addition, after the authentication state signal display step (S1015), a (non) normal transaction fingerprint / finger vein input screen providing step (S1016a) of providing a (non) normal transaction fingerprint / finger vein input screen to a smart phone or USB; After the (non) normal transaction fingerprint/finger vein input screen providing step (S1016a), when it is necessary to input the fingerprint information of N number of abnormal transaction (①), input the fingerprint information of N number of non-normal transaction that touches the fingerprint information of number N among fingerprints step (S1016b①); After the abnormal transaction N address fingerprint information input step (S1016b ①), the abnormal transaction N address fingerprint information matching step (S1016c) for determining whether the abnormal transaction N address fingerprint information matches or not; After the abnormal transaction N address fingerprint information matching step (S1016c), the warning network system operation step (S1016d) in which the warning network system is operated; It is a signal transmission method.

Here, the fingerprint or / and finger vein authentication means is formed as follows.

7 is a diagram of a smartphone conceptually illustrating a fingerprint image acquisition mechanism of an authentication device using a USB according to the present invention.

8 is a diagram of a smart phone conceptually illustrating an image acquisition mechanism of a finger vein of an authentication device using a USB of the present invention.

In the code display, the same code with the same technical content as that of the prior art is used the same.

7 is a diagram of a smart phone conceptually illustrating a fingerprint image acquisition mechanism of the authentication device using USB of the present invention according to FIG. The USB 1000 has a USB coupling unit 1001 connected to a smart phone formed on the upper side (this is also possible with a connection line), and displays the financial transaction status on the front of the USB 1000 A financial transaction status indicator 700 is formed, and a financial transaction status selection switch 700a is formed on one side thereof, and a contact-type fingerprint scanning module ( 2310) is formed.

8 is a diagram of a smart phone conceptually illustrating a finger vein image acquisition mechanism of the authentication device using a USB according to the present invention according to FIG. ), and the USB 1000 has a USB coupling unit 1001 connected to a smart phone formed on the upper side (this is also possible with a connection line), and displays the financial transaction status on the front of the USB 1000 . A financial transaction status indicator 700 is formed, and a financial transaction status selection switch 700a is formed on one side, and finger vein finger photography of a removable finger vein recognizer 400a linked to a customer terminal on one side. A groove 2410 is formed.

9 is a diagram showing an example of the internal electronic configuration of the authentication device of the present invention, and FIG. 10 is a finger fingerprint surface (a) and finger side surface (b) of the same finger photographed by the finger vein image sensor and the finger fingerprint image sensor It is a drawing.

9 is an internal electronic configuration example of a finger vein photographing authentication device according to a preferred embodiment of the present invention.

The integrated photographic authentication device 200a includes an infrared light source unit 240 , a finger vein image sensor 230 , a finger fingerprint image sensor 220 , a digital conversion unit 290 , a decryption algorithm unit 260 , and a biometric data storage unit 270 . ) and a display unit 280 .

In addition, although not shown in the drawing, it may include a power supply unit, a communication unit, and various I/O devices.

The infrared light source unit 240 irradiates infrared light toward the object receiving unit. Preferably, it may be composed of one or more LEDs as emitting infrared light with a wavelength of 630 to 1,000 nm suitable for imaging a finger vein image. In addition, an optical filter may be preferably installed to remove optical noise.

The visible light source unit 242 irradiates visible light toward the object receiving unit. By emitting ultraviolet light of a wavelength suitable for photographing a finger print on the surface of a finger, it may be composed of one or more LEDs.

In addition, in some embodiments of the present invention, one infrared light source unit 240 and one visible light source unit 242 for irradiating infrared light and visible light toward the object receiving unit may be installed.

In another embodiment of the present invention, a plurality of infrared light source units 240 and visible light source units 242 are installed in the object receiving unit 101 so that infrared rays and visible lines reach the object evenly, thereby optimizing image acquisition.

In a preferred embodiment of the present invention, the finger vein image sensors 230 and 231 acquire a finger vein image for one finger object from the lower side and the side.

In another preferred embodiment of the present invention, the finger vein image sensor 230 acquires a finger vein image of a fingerprint surface and a side of one finger object.

As shown in Fig. 10 (a), (b), the angle at which infrared rays are photographed from the inner surface and the side of one finger, respectively.

Unexplained reference numeral 1a denotes the part of the finger vein between the knuckles, 1b denotes the knuckle of the finger, and 1c denotes the fingerprint part.

When photographing a front image of a finger object, place the fingertip surface of the finger so that it touches the scan panel, and according to the number of finger vein image sensors 230, 231, 232, and 233, when photographing a side image, the finger is left as it is. 90 degrees to the side so that the side touches the scan panel. The shooting order of the fingerprint surface and the side of the finger can be changed.

The digital conversion unit 1290 receives both the finger vein image and the finger fingerprint image and extracts the finger vein image and the finger fingerprint image. By the digital conversion unit 1290, the present invention obtains a finger vein and a finger fingerprint image file for a finger.

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

In addition, the user's biometric information stored in advance is stored in the biometric data data storage 1270 . In one embodiment of the present invention, the biometric data storage 1270 may be built in the internal memory of the authentication device.

In another embodiment of the present invention, the data storage 1270 is located in a storage external to the device and can be accessed through wired or wireless communication.

The biometric data storage 1270 may use a crypto-processor that can be protected from external hardware and software attacks or theft.

The matching algorithm unit 1260 obtains the user's data stored in the biometric data storage 1270 and determines whether or not the user's biometric information value obtained from the digital conversion unit 1290 matches. If they match, a success message may be output through the display unit 1280 . If the decryption fails, an authentication failure message may be output on the display unit 1280 .

The control unit 1210 controls the operation and function of the authentication device.

In particular, it determines the finger vein image acquisition, processing, authentication operation and authentication result. Various software can be used in relation to the processing and calculation of the acquired 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 completely removed. Edge the image through Image Gradient. That is, the sketch line of the image is extracted. Apply Non-Maximum Suppression to thin the edges (sketch lines), apply a double threshold to classify dark edges as solid edges, and classify faint edges as noise and classify them as weak edges. . And finally, we delete the weak edges, leave only the clear edges, and finally output the edged image of the finger veins.

The integrated module that interlocks the algorithm of fingerprints and finger veins to implement this can be described as follows.

11 is a view showing an input/output integrated module that interlocks an algorithm of a fingerprint and a finger vein, FIG. 12 is a flowchart for requesting registration of a fingerprint and a finger vein, and FIG. 13 is a flowchart for requesting authentication for a fingerprint and a finger vein. , Figure 14 is a flowchart for requesting deletion of fingerprints and finger veins.

As shown in FIG. 11, the input/output integration module U1 for linking the algorithm of the fingerprint and the finger veins at the same time is composed of a fingerprint module U2, a finger vein module U3, and a conversion module U4.

First, the fingerprint module U2 will be described.

GND line 1 of the fingerprint module (U2) is the reference of the (-) voltage circuit, and serves as a 0V grounding function, and the RX line 2 is a serial data receiving port and functions to control the fingerprint module, and TX 3 The line is a serial data transmission port, which reads the fingerprint module status, and the VCC line 4 serves as a +5V voltage input based on the (+) voltage of the power circuit. The fingerprint is scanned and compared with the pre-stored image, and if there is a person with the same fingerprint image, the registered authentication code of the person is output through serial communication (here, 232 communication is applied as an example).

Here, 232 communication refers to the serial communication standard.

Next, the finger vein module (U3) will be described.

GND line 1 of the finger vein module (U3) serves as a 0V grounding function as a reference of (-) voltage, and line A 2 is a serial communication standard RS485 communication port A, which functions to receive and transmit data, B Line 3 is a serial communication standard RS485 communication port B, and functions to receive and transmit data, and VCC line 4 is to input +5V voltage based on the (+) voltage of the power circuit. After penetrating a finger with an infrared LED, the camera image sensor scans the vein and compares it with the pre-stored vein image. output as

Here, 485 communication refers to the serial communication standard.

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

Line 1 of GND on the left side of the conversion module (U4) serves as a 0V grounding function as a reference of (-) voltage, and line A 2 is a serial communication standard RS485 communication port A, which functions to receive and transmit data, B Line 3 is a serial communication standard RS485 communication port B, which functions to receive and transmit data, and VCC line 4 is to input +5V voltage based on (+) voltage. It receives the 485 communication output from the input and converts it to 232 communication and outputs it.

And, the DI line 5 on the right side of the conversion module (U4) is a serial 232 communication receiving port, which functions to receive data, and the RE 6 line is a 485 communication control port, which controls the transmission/reception status of the 485 communication module. The DE line 7 is a 485 communication control port, which controls the transmission/reception status of the 485 communication module, and the RO 8 line is a serial 232 communication transmission port, which functions to transmit commands. It will be linked with the integrated module (U1).

Next, the fingerprint and finger vein input and USB output integrated module (U1) will be described.

D1/TX line 1 of the integrated module (U1) is a serial 232 communication transmission port, which transmits data to the computer, and the D0/RX line 2 is a serial 232 communication reception port, which functions to receive data from the computer. , GND line 4 is the reference of the (-) voltage and functions as a 0V ground, D2 line 5 is the fingerprint module (U2) serial 232 communication transmission line, which transmits commands to the fingerprint module, D3 6 Line No.2 is the serial 232 communication receiving line of the fingerprint module (U2), and has a function to receive the status value of the fingerprint module, and line 11 of D8 is the serial 232 communication transmission port of the 485-232 communication conversion module (U4). The function to control the MAC module (U3), D9 line 12 is the 485 communication control port of the 485-232 communication conversion module (U4), and controls the transmission/reception status of the 485 communication module, D10 line 13 is the 485 communication control port of the 485-232 communication conversion module (U4), which controls the sending/receiving status of the 485 communication module, and D11 line 14 is the serial 232 communication receiving port of the 485-232 communication conversion module (U4). As a function to read the status of the finger vein module (U3), 5V line 27 is a positive voltage 5V output PIN, and the fingerprint module (U2), finger vein module (U3), 485 communication conversion module (U4) ), the GND line 29 serves as a 0V grounding function as the (-) voltage reference, and the VIN line 30 serves as a (+) voltage reference and a +5V voltage input function. , The configuration as described above includes a fingerprint authentication code output from the fingerprint module U2 (a customer's unique number with a registered fingerprint), and a finger vein authentication code output from the finger vein module U3 (the customer's registered low vein). unique number) is converted into 232 communication by the conversion module (U4), received from the integrated module (U1), and when the fingerprint and finger vein authentication codes match each other, the corresponding authentication code is outputted through USB.

The fingerprint and finger vein algorithm of the invention in this case can be expressed as follows.

int getfingerauthorization(int fingerprintcode,int fingerveincode)

{

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

{

return fingerprintcode;

}

return 0;

}

The algorithm receives the fingerprint authentication code and the finger vein authentication code from the integrated module (U1), and allows the authentication code only when the fingerprint and the vein authentication code belong to the same person.

Looking at the details in more detail, it is as follows.

The fingerprint module U2 searches for a fingerprint, and if there is a person who matches the fingerprint, the code number of the person is output.

The finger vein module (U3) searches for a finger vein, and if there is a person matching the corresponding finger vein, the code number of the person is output.

The fingerprint code of the fingerprint module (U2) and the finger vein code of the finger vein module (U3) are input as fingerprintcode and fingerveincode, which are the arguments of the function name getfingerauthorization of the above algorithm, respectively, so that both argument values are valid and also two registrations Only when the customer's unique number matches, the fingerprint and finger vein integration module outputs that person's code.

Otherwise, when the fingerprint code and the finger vein 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 finger veins in the self-storage recognizer or bank.

First, as shown in FIGS. 12 to 14 , as a step of registering a fingerprint and a finger vein, a registration request is made from the fingerprint and finger vein recognition device (S311).

When there is a registration request from the fingerprint and finger vein recognition device, the fingerprint and finger vein recognition device are first scanned with the finger of the person who wants to be registered (S312).

Next, after the first registration in the fingerprint and finger vein recognition device, a second scan is performed on the fingerprint and finger vein recognition device with the finger of the person to be registered (S313).

Next, after the first registration in the fingerprint and finger vein recognizer again, a third scan is performed on the fingerprint and finger vein recognition device with the finger of the person to be registered (S314).

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

As described above, the registration of the fingerprint and finger vein recognizers three times is restarted when all three scan images do not match, and when they all match, the registration is completed (S316).

By performing this process three times, the correct fingerprint and finger vein images are registered.

The next step is to authenticate the registration of fingerprints and finger veins, and an authentication request is made from the fingerprint and finger vein recognizers (S321).

The fingerprint and finger vein recognition device scans the fingerprint and the finger vein image (S322).

Compare the scanned images of the fingerprint and the finger vein with the finger of a registered person in the fingerprint and finger vein recognizer (S323).

It is determined whether the images scanned by the recognizer of the fingerprint and the finger veins match (S324).

As described above, if the scanned images of the fingerprint and the finger vein recognizer do not all match, it starts again, and if they all match, the authentication is completed (S325).

The next step is to delete the registration of fingerprints and finger veins, and a deletion request is made from the fingerprint and finger vein recognizer (S331).

Inputs the code of the party to be deleted to the fingerprint and finger vein recognizer (S332).

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

If the image scanned by the fingerprint and finger vein recognizer is not deleted, it restarts, and if it is deleted, the authentication is completed (S334).

As described above, if the self-storage recognizer for fingerprints and finger veins or a method of registration, authentication and deletion in the bank is operated, the recognition of fingerprints and finger veins is further increased, and the operation thereof is simplified.

Next, the fingerprint and finger vein authentication processing unit 1180 that can be commonly applied to the smart phone and mouse or the integrated terminal, which is the first embodiment of the sending device, will be described in detail.

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

15 is a perspective view schematically illustrating a contact-type fingerprint and finger vein authentication device of an integrated payment device using an integrated biometric authentication terminal of the present invention.

15, the fingerprint and finger vein authentication processing unit 1180 formed in the biometric authentication integrated terminal 1000 has a contact-type fingerprint scanning module 2310 formed toward the upper side, and a finger photographing groove 2410 is formed on the lower side. The formed finger vein authentication device 2100 is formed, and here is an invention that performs fingerprint and finger vein authentication.

The fingerprint scan module 2310 uses a contact-type recognition module, and a recognition circuit electric part 2320 for controlling it is formed on the rear surface thereof.

The authentication device unit 2100 for obtaining the finger vein information is formed so as to authenticate the finger vein at the lower edge of the main body side of the terminal, the inside of the terminal is the contact fingerprint scanning module 2310 and the finger vein authentication device A considerable authentication device subspace 2500 into which the part 2100 can enter is formed in the upper and lower light shape, and a side groove border 2200 is formed outside, and a contact fingerprint scanning module 2310 is formed on the upper side thereof. , a finger photographing groove 2410 is formed on the lower side to place a finger in a non-contact manner, and it is formed so that it can be recognized at the same time.

A very thin finger rest glass plate may be formed in the finger photographing groove 2410 to prevent the inflow of external dirt.

In this case, the image sensor can be operated by using the finger rest glass plate and attaching an infrared filtering film that blocks visible light thereto.

Furthermore, the finger rest glass plate may be manufactured to be formed in the front portion of the image sensor 2510a and the infrared ray emitting unit 2520a adjacent to each other together with the infrared filtering film.

Then, an empty finger photographing groove 2410 is formed on the lower side thereof to comfortably place the finger f.

In addition, in the back authentication device space 2500 of the empty finger photographing groove 2410, an image sensor 2510a and an infrared ray emitting unit 2520a are formed side by side, and a recognition circuit electronic unit 2530 for controlling this is formed. When the finger vein pattern is recognized, they are activated to transmit various control signals.

When the empty finger photographing groove 2410 is designed so that there is no risk of damage to the image sensor 2510a and the infrared emitter 2520a, it communicates with the authentication device space 2500 in a non-contact manner depending on the surrounding conditions. may be formed.

In addition, in the case of the image sensor 2510a, the range for recognizing finger veins is different depending on the size, so when the recognition nose is wide, a wide range of finger veins can be recognized by increasing the distance (Ha) from the finger, When the distance is short, only the finger vein pattern of a narrow range is recognized, so it should be devised and designed in consideration of the relationship with the size of the internal electric part of the terminal in consideration of this.

The following describes an algorithm for recognizing a fingerprint applied to the conversion device of the present invention.

16 is a block diagram showing the configuration of a fingerprint recognition device to which the analog processing circuit and digital processing circuit of the first invention are applied, and FIG. 17 is a block showing the configuration of a single chip fingerprint recognition device according to the second invention. , FIG. 18 is a block diagram showing a single-chip implementation example of a fingerprint recognition device according to the second invention, and FIG. 19 is an exemplary diagram comparing fingerprint recognition using specific points of a fingerprint.

In general, the fingerprint recognition sensor may be an input imaging device that acquires a fingerprint image (or image information of a fingerprint) of a finger indicating a characteristic difference unique to each user. The sensing data for the fingerprint image may be acquired in an optical, semiconductor, ultrasonic, or non-contact method.

The optical fingerprint recognition sensor may include, for example, a prism, a light source, a lens, or a charge-coupled device (CCD). In the optical sensor, when the fingerprint is in contact with the prism, the light source illuminates the prism, the lens collects the light reflected through the prism, and the CCD may acquire the collected light as a fingerprint image.

The semiconductor-type fingerprint recognition sensor may include a thermal sensor, a capacitive sensor, or an electric sensor. The semiconductor-type fingerprint sensor can be miniaturized, so it can be used in personal applications.

The thermal sensor may be a fingerprint recognition sensor that acquires a temperature distribution as a fingerprint image by a temperature difference between a contact portion and a non-contact portion of the fingerprint.

The capacitive sensor may be a fingerprint recognition sensor of a method of acquiring a difference in electric charge or capacitance between ridges of a contacted fingerprint as a fingerprint image.

The electric sensor may be a fingerprint recognition sensor of a method of acquiring fingerprint image information from a fingerprint in contact with the sensor or an electric field formed around the fingerprint.

On the other hand, the fingerprint recognition sensor may be configured to include at least a part of the processor. For example, the fingerprint recognition sensor may include operations such as correcting a fingerprint image or calculating characteristics of a fingerprint image in addition to an operation of acquiring a fingerprint image. In this case, the fingerprint recognition sensor may be a functional module having a hardware module and a software module.

In a fingerprint, there are a normal region composed of ridges with precise directions and a number of other characteristic regions. In the characteristic region, the point at which the ridge progresses and breaks is referred to as an ending point, and the point at which the ridge splits is referred to as a bifurcation. In general, about 100 to 150 feature points are distributed on one finger, and the type, location, and direction are different for each person. Accordingly, the location and direction of these feature points can be used as a means for determining each fingerprint.

As can be seen from Korean Patent Registration No. 10-0603975, FIG. 19 shows a conventional fingerprint recognition device performing the above-described function. valley) by converting the difference in capacitance according to the height difference into a voltage to detect a fingerprint image and output it as an electric signal, and an analog processing circuit 210 for outputting it as an electrical signal, and from the signal output from the analog processing circuit 210 to the fingerprint image After extracting the features, the digital processing circuit 220 is configured to determine or recognize the user of the detected fingerprint by comparing the extracted features with pre-stored fingerprint data.

In the above, the analog processing circuit 210 removes the sensor plate that converts the difference in capacitance according to the difference in the gap between the ridge and valley of the fingerprint into a voltage, and the parasitic capacitance generated in the sensor plate, It may consist of a parasitic capacitance removing circuit that outputs only the sensing voltage, and a comparator that compares the sensing voltage input through the parasitic capacitance removing circuit with a reference voltage Vref and outputs a binary signal of '0' or '1'.

In addition, the digital processing circuit 220 includes a digital input unit receiving the output signal of the analog processing circuit 210, a memory unit storing a plurality of fingerprint images and a fingerprint recognition algorithm, and performing the algorithm stored in the memory unit. It may be made of a microprocessor (MCU) that performs the detected identity authentication or discrimination processing.

However, in the conventional fingerprint recognition device of the first invention, since the analog processing circuit 210 and the digital processing circuit 222 are implemented on different chips, the size of the device is large, the price is high, and the above-mentioned large In order to solve the problem that it is difficult to use in various fields due to the volume and high price, the second invention of the related art implements a fingerprint sensor side and a digital processing circuit for recognizing a fingerprint on a single chip, thereby reducing the volume and unit cost of the product and making it portable In addition, a fingerprint recognition device implemented as a single chip that can be applied in various fields has been developed.

17 is a block diagram of a conventional fingerprint recognition device according to the second invention. In the fingerprint recognition device 300 of the present invention implemented as a single chip, the capacitance difference between the ridges and grooves of the fingerprint by contacting the bottom surface of the user's finger. The sensors 310 to detect and the algorithm stored in the flash memory 340 are executed, the electrical signal output from the sensor 310 is received and image processed to extract the features of the fingerprint image, and the extracted features are flashed. A microprocessor 320 that compares the reference fingerprint image registered in the memory 340 to determine whether it matches, and a cache memory 330 that is directly connected to the microprocessor 320 and stores frequently used instructions; A flash memory 340 in which a program, a fingerprint recognition algorithm, and fingerprint data are stored, and a bus 350 interconnecting the sensor 310, the microprocessor 320, and the flash memory 340 and providing a data path between the respective means ) and a bus interface 360 that controls data exchange between the sensor 310, the microprocessor 320, and the flash memory 340 through the bus 350.

The above-described components, sensors 310, microprocessor 320, cache memory 330, flash memory 340, bus 350, and bus interface 360 are directly integrated on a single chip.

FIG. 18 shows an implementation example of the fingerprint recognition device of the conventional second invention. As shown, the single-chip fingerprint recognition device includes a sensor array 410, an MCU 420, a cache memory 430, and a flash memory. 440 and the bus interface 450 are implemented as an integrated first chip 400 .

In the above, the flash memory 440 is an on-chip flash memory implemented on a semiconductor chip, and stores a program for implementing a fingerprint recognition algorithm performed by the MCU 420, and also includes a previously registered fingerprint image or The detected fingerprint image is stored. In addition, the cache memory 430 is a memory having a smaller capacity and faster access speed than the flash memory 440 , and is implemented on the same chip as the MCU 420 , that is, the first chip 400 , and the frequency of use is low. By storing high commands or data, processing speed in the MCU 420 is improved.

And, the sensor array 410 is made by arranging the sensor plates that output the capacitance generated between the contacted skin, that is, the skin of the touched finger region as a digital electrical signal, in an m × n matrix, the first chip It is integrated on the 400 and is connected to other circuits, that is, the MCU 420 or the flash memory 440 by a bus.

The above-described sensor array 410, MCU 420, cache memory 430, flash memory 440, and bus interface 450 are not formed on the same plane, but may be implemented in multiple layers. That is, the sensor plate of the sensor array 410 is implemented on the surface of the chip, and the remaining MCU 420 , the cache memory 430 , the flash memory 440 and the bus interface 450 are the lower layer of the sensor array 410 . may be laminated on the

19 is a technique for comparing and judging fingerprints by using feature points disclosed in Korean Patent Application Laid-Open No. 10-2015-0034832.

That is, referring to the drawing, the fingerprint image mapping unit may obtain feature information 812, 822, 832, 842 of the fingerprint image corresponding to the regions 811, 821, 831, and 841 of the user's finger for each region 811, 821, 831, and 841. In addition, the fingerprint image mapping unit 260 may map characteristic information of the acquired fingerprint image to the part 855 of the user's finger.

For example, the feature information 812 of the fingerprint image 813 corresponding to one region 811 of the fingerprint image of 810 of FIG. 19 is the characteristic of the fingerprint image corresponding to the first region 851 of 850 of FIG. 19 . It can be mapped as information.

In addition, feature information 822 of the fingerprint image 823 corresponding to one region 821 of the fingerprint image of 810 of FIG. 19 is characteristic information of the fingerprint image corresponding to the second region 852 of 850 of FIG. can be mapped.

In addition, feature information 832 of the fingerprint image 833 corresponding to one region 831 of the fingerprint image of 810 of FIG. 19 is characteristic information of the fingerprint image corresponding to the third region 853 in 850 of FIG. can be mapped.

In addition, the feature information 842 of the fingerprint image 843 corresponding to one region 841 of the fingerprint image of 810 of FIG. 19 is characteristic information of the fingerprint image corresponding to the fourth region 854 of 850 of FIG. can be mapped. At this time, when there is an overlapping area between the first area 851 to the fourth area 854 , the characteristic information of the fingerprint image corresponding to the overlapping area is the characteristic of the first area 851 to the fourth area 854 . Among the information, higher quality, more information, or recently acquired feature information may be mapped with priority.

The fingerprint image mapping unit maps characteristic information for each area of a fingerprint image, and adjusts overlapping areas to obtain characteristic information of a fingerprint image from a part of a finger 855 as a target.

Accordingly, in the present invention, through the step of replying a predetermined authentication number from the callee's exchange of the personal financial relay transaction server, when the fingerprint comes into contact, the ridges and grooves of the fingerprint are separated and output as a digital electrical signal. Transmitting, by a conversion device, the arrangement of the DTMF signals to a receiving device according to a conversion logic based on a predetermined authentication number returned by the fingerprint information; According to the conversion logic based on , the receiving device is connected in the order of performing the step of restoring the converted DTMF signal to the arrangement of the DTMF signal transmitted by the user, and overlapping technical descriptions will be omitted.

Next, the algorithm of finger veins applied to the converter of the present invention will be described.

20 is a flowchart illustrating an operation process of the biometric security device according to an embodiment of the present invention, and FIG. 21 is a diagram illustrating the setting of a reference point of an effective site during capillary imaging, FIG. 22 is a diagram illustrating the image segmentation and binarization process of the preprocessor.

In Korean Patent Application Laid-Open No. 2003-0010977, when a finger is inserted, the light generating unit 15 of the image acquisition unit 10 emits infrared, laser, or halogen light to the finger, and uses the solid-state image sensor 11 to approximately use the finger. The image between the last node and the nail boundary is continuously taken a plurality of times (S10). In the above, various methods can be applied by recognizing whether a finger is inserted, using an optical sensor using a light emitting and light receiving diode, configuring the finger fixture 9 as a limit switch, or installing a manual switch that the user directly presses This makes it easy to know whether a finger is inserted or not.

As described above, in order to normalize the image of the photographed finger as a specific part of the finger is photographed, the preprocessor 20 must set a reference point. These unnecessary images are removed.

That is, as shown in FIG. 21, hold the center of the nail as the central point, draw a straight line downward while maintaining the same angle and spacing as both boundary lines from the central point, and draw a horizontal line so that it is perpendicular to the boundary line on both sides at the nail boundary, both sides meeting the horizontal line The part of the boundary line becomes the reference point (A, B) for normalization. Accordingly, the rectangular part formed between the reference point and the knuckle of the finger becomes an effective part of normalization, and the image of the effective part is rotated and enlarged to normalize (S11).

Next, in the preprocessor, an effective capillary image is acquired through a smoothing process that removes noise corresponding to the epidermal image or scattered light in the effective site, the capillary image is binarized into digital data, and the capillary image is thinned. (S12 to S14).

As described above, the thinned capillary image data is output to the feature extracting unit, and the feature extracting unit receives such data and performs image processing using pattern matching of blood vessels (S15, S16) and image processing using feature points (S17) , S18) are performed separately.

In the image processing process using the pattern matching, as shown in FIG. 8 , first, the image screen of the capillary image of the finger acquired through the preprocessor is divided into a plurality of matrix blocks (S15), and the divided capillary image is binarized for each block. to be output to the recognition control unit (S16).

On the other hand, the image processing process using feature points analyzes the binarized and thinned capillary image through the preprocessor to extract feature points such as branching points, cut points, branches, transformation points, convex folds, and concave folds (S17), and the Position coordinates for the blood vessels adjacent to the feature point, thickness, brightness, and feature values for pulsation information are measured and output to the recognition controller (S18). When measuring the brightness of the blood vessel, since the blood flow through the blood vessel constantly changes with time, the average brightness value is obtained by analyzing a plurality of consecutive blood vessel images. can be easily inferred.

Next, the recognition control unit first detects a plurality of comparison data within the allowable error range by directly matching and comparing various capillary pattern data recorded in the database using the blood vessel pattern-related binarized data obtained through the feature extraction unit (S19). ), the extracted feature points and their feature values and the feature points and feature values of a plurality of comparison data detected primarily are compared to each other to determine and recognize whether they are identical (S20, S21).

The blood vessel pattern information formed by binary data determined according to the presence or absence of the blood vessel image pattern of each pixel and the conversion device are fused to generate a new signal.

Therefore, in the present invention, the capillary image of the finger obtained through the preprocessor is divided into matrix blocks by dividing the image screen into a matrix block through the step of replying a predetermined authentication number from the receiver side exchange of the personal financial relay transaction server. According to a conversion logic based on a predetermined authentication number returned to the finger vein information by binary data output as a digital electrical signal for each block according to the presence or absence of a blood vessel image, a conversion device converts the arrangement of the DTMF signal to receive device sending to; According to the conversion logic based on the authentication number used for converting the converted DTMF signal to the DTMF signal, the receiving device restores the converted DTMF signal to an array of DTMF signals sent by the user. , and overlapping technical descriptions are omitted.

And, the customer terminal is an integrated terminal with a smart phone, a fingerprint or/and finger vein authentication processing unit is formed on one side of the smart phone or integrated terminal, and a contact fingerprint scanning module is provided in the fingerprint or/and finger vein authentication processing unit (2310) (4310) and optical finger vein authentication device unit (2100, 4100) are respectively formed to authenticate the fingerprint or finger vein information and then selectively authenticate with a time difference, that is, fingerprint and finger vein information In the case of fusion, the signal is transmitted by the fused authentication code.

The following describes a finger vein pattern input device according to an embodiment of the prior art applied to the present invention.

23 is an external view of a finger vein pattern input device according to an embodiment of the related art applied to the present invention, and FIG. 24 is a cross-sectional view of FIG. 23 applied to the present invention.

The configuration of the finger vein pattern input device 100 will be described using FIGS. 23 and 24 with respect to the technology shown in Korean Patent Application Laid-Open No. 10-2008-0022202.

The main body 10 is integrated with a built-in support 11 . Further, inside the main body 10, a control module unit (control module unit) 1 and an imaging unit (imaging unit) 2 mounted on a camera substrate 9 and having a built-in CPU for performing image processing are provided. . As is well known, the control module unit 1 compares the finger vein pattern extraction means for extracting the finger vein pattern from the image acquired by the imaging unit 2 and the finger vein pattern registered in advance with the extracted finger vein pattern, That is, it has image calculation means for collating.

The imaging unit 2 includes near-infrared light emitting LEDs 13 (13A, 13B) as irradiating means and finger detection means arranged in a space 12 formed in the upper portion (the left side in the vertical direction in the drawing) of the main body 10 , and a finger detecting means. (not shown) is provided.

Illumination windows 16 (16A, 16B) are provided in the brace 11 in a form opposite to the celestial spheres 15 (15A, 15B) and the near-infrared light emitting LED 13 installed in the brace 11. . The near-infrared light-emitting LED 13 is disposed in the space 12 , and light is not leaked other than the irradiation window 16 . An optical axis refraction unit 5 composed of a camera lens 3 and a camera module 4 having a CCD and a mirror is provided in the center of the body 10 . The optical axis refracting unit 5 has a mirror inclined, so that the overall thickness of the device is reduced to increase the optical path length for imaging, thereby reducing image distortion. An imaging opening 6 is largely formed in the central portion of the support 11 , and an imaging window 7 is provided in the imaging opening 6 . As for the imaging window 7, a smoke-like material in which the central part is not visible is used. This material transmits infrared light. The imaging opening 6 has a shape with a depth in which the round R is applied outward, so that the finger does not contact the imaging window 7 during imaging. By performing the round R like this, it is possible to prevent the vein from being crushed by compressing it, and it is possible to improve the visibility of the vein located in the vicinity of the imaging opening. The imaging window 7 is provided perpendicularly to the groove 8 as shown in the figure provided in the imaging opening 6 .

The light projected through the camera lens 3 is bent by the mirror of the optical axis refracting unit 5 and is irradiated outward through the imaging window 7 and the opening 6 as indicated by arrows.

The near-infrared light emitting LED 13 and the status display LED 17 are arranged in the space 12 .

Moreover, it is designated as superior biometric information in all aspects such as resistance to counterfeiting, false acceptance rate, false reject rate, failure to enroll rate, and authentication time, compared to the above biometric technology. Mac authentication technology is known.

It may be applied to the execution system of the present invention by using the prior art as described above.

25 is a diagram of a smartphone conceptually illustrating an image acquisition mechanism of the first fingerprint and finger veins of the authentication device using a horizontal style USB according to the present invention according to FIGS. 5 and 6, and FIG. 26 is a diagram of a smartphone according to FIGS. It is a diagram of a smartphone conceptually showing the image acquisition mechanism of the second fingerprint and finger veins of the authentication device using the horizontal style USB of the present invention.

As a diagram of a smart phone conceptually illustrating an image acquisition mechanism of a fingerprint and a finger vein of an authentication device using a USB of the present invention according to FIG. 25 , the USB 1000 detachable from the smart phone (or computer) 300 , 400 . The USB 1000 has a USB coupling unit 1001 connected to a smart phone formed on the upper side (this is also possible with a connection line), and displays the financial transaction status on the front of the USB 1000 A financial transaction status indicator 700 is formed, and a financial transaction status selection switch 700a is formed on one side thereof, and a removable fingerprint / finger vein authentication means (300a) (400a) that is linked to the customer terminal on the back side. A contact-type fingerprint scanning module 2310 and a finger photographing groove 2410 are formed there.

As shown in Figure 26, the present invention is composed of a USB (1000) detachable from a smart phone (or computer) 300, 400, the USB 1000 is a USB coupling unit 1001 connected to the smart phone. It is formed on the virtual upper side (this is also possible with a connection line), and a financial transaction status indicator 700 for displaying the financial transaction status is formed on the front of the USB 1000, and a detachable type that is linked to a customer terminal on one side of the USB 1000 In the fingerprint/finger vein authentication means 300a and 400a, a contact fingerprint scanning module 2310 and a finger photographing groove 2410 are formed.

27 is a diagram of a smartphone conceptually illustrating a fingerprint image acquisition mechanism of the authentication device using a vertical style USB according to the present invention according to FIGS. 5 and 6 .

As shown in FIG. 27 , the present invention is composed of a USB 1000 detachable from a smart phone (or computer) 300 and 400 , and the USB 1000 is a USB coupling unit 1001 connected to a smart phone. It is formed on the virtual upper side (this is also possible with a connection line), and a financial transaction status indicator 700 for displaying the financial transaction status is formed on the front of the USB 1000, and a detachable type that is linked to a customer terminal on one side of the USB 1000 The fingerprint / finger vein authentication means (300a) of the contact type fingerprint scanning module 2310 is formed.

Unexplained code 710a is a red authentication signal lamp displayed when USB is connected to a smart phone, and 710b is a red authentication signal lamp displayed when authentication is performed with a fingerprint in a financial transaction.

The following describes how to prepare for the forced input of fingerprints/finger veins by coercion.

28 is an internal electronic configuration example of a finger vein photographing authentication device according to a preferred embodiment of the present invention.

The integrated photographic authentication device includes an infrared light source unit 1240, a finger vein image sensor 1230, a finger fingerprint image sensor 1220, a digital conversion unit 1290, a decryption algorithm unit 1260, a biometric information data storage unit 1270, risk It includes a signal transfer fingerprint information storage 1275 and a display unit 1280 .

In addition, although not shown in the drawing, it may include a power supply unit, a communication unit, and various I/O devices.

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

The visible light source unit irradiates visible light toward the object receiving unit. By emitting ultraviolet light of a wavelength suitable for photographing a finger print on the surface of a finger, it may be composed of one or more LEDs.

The risk signal transmission fingerprint information storage 1275 stores fingerprint information for risk signal transmission in advance in case the USB is normally inserted into a computer or smart phone and forced fingerprint input, such as financial transactions, is received by coercion. As a storage for pre-registration, when the fingerprint information stored by the person is input during coercion, the fingerprint information is matched to act as a means to activate the warning network system.

In the risk signal transmission fingerprint information storage 1275, a plurality of fingerprints can be registered, and one fingerprint at a time and another fingerprint are registered at the second time to prevent an emergency action from being accidentally taken by the first fingerprint. There is a way.

The certification procedure for this is a guide sign several times, so that it can be operated carefully after passing each certification.

The following describes the procedure for using fingerprint information for risk signal transmission by the fingerprint and finger vein authentication method using USB in a financial transaction relay system linked to advertisements.

29 is a flowchart illustrating a procedure of relay processing an unauthenticated financial transaction using the multi-safe lock function of a financial transaction relay system linked to an advertisement according to the present invention, showing the registration procedure of fingerprint and finger vein authentication using USB. , FIG. 30 is a flowchart illustrating a procedure of relaying an unauthenticated financial transaction using the multi-safe lock function of the financial transaction relay system linked to the advertisement according to the present invention of FIG. 29. Fingerprint and finger vein of the authentication method using USB It shows the procedure of authentication.

29 and 30 are flowcharts illustrating a procedure for relaying an unauthenticated financial transaction using the multiple safety lock function of the financial transaction relay system according to the present invention. This procedure is a program processed by the personal financial transaction relay server 100 , and this program is stored in a storage device (not shown) of the financial transaction relay server 100 . This program allows financial transactions and e-commerce to be performed through an unauthenticated connection between the customer terminal 200, the online banking system 300, the e-commerce system 400, and the personal financial transaction relay servers 100 through the communication networks 4 and 6 They are processed in conjunction with each other to make it happen.

That is, in the present invention, in the financial transaction relay system 2, the customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4 in step S1000, and joins as a member in step S1001. (S1001);

After the membership registration step (S1001), the customer terminal 200 is a USB connection confirmation step (S1002) for determining whether the fingerprint / finger vein recognizer is connected to the USB;

After the USB connection confirmation step (S1002), a smart phone (computer) or a spot advertisement execution step of the USB display unit on a smart phone (computer) or USB display unit to execute a spot advertisement momentarily (S1003a);

After the spot advertisement execution step (S1003a) of the smart phone (computer) or the USB display unit, the personal financial transaction relay server 100 displays the connection state on the smart phone (computer) and displays the connection state on the USB display unit Connection state signal display step of displaying the recognized red signal (S1003);

After the connection state signal display step (S1003), the customer terminal 200 acquires fingerprint/finger vein information through the fingerprint/finger vein recognizer, and relays the fingerprint/finger vein information through the communication network 4 for personal financial transactions. Fingerprint / finger vein information transmission step to be transmitted to the server 100 (S1004);

At this time, in the case of a previously registered member, by selecting No, the process proceeds to a financial transaction execution confirmation step (S1012), which will be described later.

And, after the fingerprint / finger vein information transmission step (S1004), the personal financial transaction relay server 100 is a fingerprint / finger vein recognizer on USB, basic biometric information data (A) and risk in the fingerprint / finger vein storage on USB Fingerprint / finger vein information registration guide step (S1005) on USB to register the fingerprint / finger vein information in the biometric information database 1270 and the danger signal transmission fingerprint information storage 1275 by dividing the signal transmission fingerprint information (B);

After the fingerprint / finger vein information registration guide step on the USB (S1005), the personal financial transaction relay server 100 determines whether a phone number is input through the customer terminal 200, a phone number input determination step (S1006);

After the phone number input determination step (S1006), by inputting a phone number in the customer terminal 200, and verifying whether the phone number matches the number of the registered customer terminal 200 or not (S1007);

After the phone number matching step (S1007), the personal financial transaction relay server 100 determines whether the password for the passbook account number and card number of the customer terminal 200 is entered (S1008);

After the passbook and card password input confirmation step (S1008), the personal financial transaction relay server 100 enters the password for the passbook account number and card number of the customer terminal 200, the registered passbook/card password is stored in the financial information 126 of the database 120 / passbook / card password storage step (S1009);

After the passbook/card password storage step (S1009), the personal financial transaction relay server 100 includes a simple payment member registration confirmation step (S1010) for determining whether the subscriber is registered as a member;

After the simple payment member registration confirmation step (S1010), the personal financial transaction relay server 100 registers the customer terminal 200 as a member by matching fingerprint / finger vein authentication, phone number authentication, and account / card password registration. USB connection configuration completion step (S1011) to complete the connection configuration by the customer terminal 200 and USB;

a financial transaction execution confirmation step (S1012) of determining whether to execute a financial transaction after the completion of the connection configuration by USB with the customer terminal 200 of the step S1011;

After the financial transaction execution confirmation step (S1012), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and provides a financial transaction settlement process that provides a financial transaction settlement process related thereto step (S1013);

After the financial transaction settlement process providing step (S1013), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and in the financial transaction settlement process, fingerprint / USB fingerprint / finger vein information input confirmation step (S1014) to determine whether to input by finger veins;

After the USB fingerprint / finger vein information input confirmation step (S1014), the personal financial transaction relay server 100 displays a red signal on the USB when inputting the fingerprint / finger vein information on the USB. S1015);

In addition, after the authentication state signal display step (S1015), a (non) normal transaction fingerprint / finger vein input screen providing step (S1016a) of providing a (non) normal transaction fingerprint / finger vein input screen to a smart phone or USB;

Here, the abnormal transaction fingerprint / finger vein input screen providing step (S1016a) refers to whether to display in abnormal transaction or normal transaction in order to link with surrounding logic when forming logic. can be displayed accordingly.

After the (non) normal transaction fingerprint/finger vein input screen providing step (S1016a), when it is necessary to input the fingerprint information of N number of abnormal transaction (①), input the fingerprint information of N number of abnormal transaction that touches the fingerprint information of number N among fingerprints step (S1016b①);

After the abnormal transaction N address fingerprint information input step (S1016b①), the abnormal transaction N address fingerprint information matching step (S1016c) for determining whether the abnormal transaction N address fingerprint information matches or not;

a warning network system operation step (S1016d) in which the warning network system is operated after the abnormal transaction N address fingerprint information matching step (S1016c); consists of

The warning network system can be dispatched to location tracking using a phone number by sending an emergency signal directly to an investigation agency, and can proceed by stopping the related account transfer.

In addition, after the (non) normal transaction fingerprint/finger vein input screen providing step (S1016a), when the normal transaction A fingerprint information is input (②), the normal transaction A address fingerprint that touches the fingerprint information of number A among the fingerprints information input step (S1016b②);

After the normal transaction A address fingerprint information input step (S1016b②), the normal transaction A address fingerprint information matching step (S1016e) of judging whether or not the normal transaction A address fingerprint information matches;

After the normal transaction A address fingerprint information match determination step (S1016e), the personal financial transaction relay server 100 checks whether the registered fingerprint / finger vein authentication, phone number authentication, and account / card password are matched with USB and Checking whether fingerprint / finger vein authentication, phone number authentication and account / card password match each other (S1016);

In addition, the personal financial transaction relay server 100 determines whether fingerprint / finger vein authentication, phone number authentication, and account / card password are mutually matched in step S1016, and then fingerprint / finger vein input on USB is registered fingerprint / designation A fingerprint/finger vein matching step (S1017) on the USB to determine whether the authentication signal of the Mac and the authentication signal match each other;

After the fingerprint/finger vein matching step (S1017) on the USB, when the customer terminal 200 processes the fingerprint/finger vein authentication procedure in order to perform online banking and electronic commerce transactions, the personal financial transaction relay server ( 100) is a financial transaction relay step (S1018) of relaying financial transactions by accessing the online banking system 300 or the electronic commerce system 400 without authentication;

After the financial transaction relay step (S1018), after the unauthenticated financial transaction is relayed, the financial transaction relay step (S1019) is completed after executing various financial transactions.

Hereinafter, a method for transmitting a specific danger signal will be described once again.

29 and 30 , in the financial transaction relay system 2 of the present invention, in step S1000, the customer terminal 200 accesses the personal financial transaction relay server 100 through the communication network 4, and in step S1001, the member join as At this time, the customer terminal 200 inputs member information such as name, ID, password, phone number, and e-mail address.

In step S1002, the customer terminal 200 determines whether the fingerprint / finger vein recognizer is connected to the USB.

In step S1003a, spot advertisement on the smart phone (computer) or USB display unit is executed, which instantly executes the spot advertisement on the display unit on the smart phone (computer) or USB.

In step S1003, the connection state is displayed on the customer terminal 200, and a red signal recognizing the connection state is displayed on the display unit on the USB.

In step S1004, the customer terminal 200 acquires fingerprint/finger vein information through the fingerprint/finger vein recognizer, and transmits the fingerprint/finger vein information to the personal financial transaction relay server 100 through the communication network 4 .

In step S1005, the personal financial transaction relay server 100 divides the basic biometric information data (A) and the risk signal transmission fingerprint information (B) into the fingerprint/finger vein storage on the USB with a fingerprint/finger vein recognizer on the USB, and separates the biometric information database. (1270) and register the fingerprint / finger vein information in the danger signal transmission fingerprint information storage (1275).

In step S1006 , the personal financial transaction relay server 100 determines whether a phone number has been entered through the customer terminal 200 .

In step S1007, by inputting a phone number from the customer terminal 200, it is authenticated whether the number of the previously registered customer terminal 200 matches.

In step S1008, the personal financial transaction relay server 100 determines whether passwords for the passbook account number and card number of the customer terminal 200 are input.

In step S1009, when the personal financial transaction relay server 100 inputs the password for the passbook account number and card number of the customer terminal 200, the registered passbook/card password is stored in the financial information 126 of the database 120. is saved

In step S1010, the personal financial transaction relay server 100 determines whether the subscriber is registered as a simple payment member.

In step S1011, the personal financial transaction relay server 100 registers the customer terminal 200 as a member by matching fingerprint / finger vein authentication, phone number authentication, and account / card password registration, and links the customer terminal 200 with the USB Complete the configuration.

The member registration here is a member registration that is used as usage information for payment according to the above three methods.

After the completion of the connection configuration by USB with the customer terminal 200 of step S1011, it is determined whether or not a financial transaction is executed in step S1012.

In step S1013, the personal financial transaction relay server 100 provides a financial transaction selection screen for performing a financial transaction, and provides a financial transaction settlement process related thereto.

In step S1014, the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and in the financial transaction settlement process related thereto, it is determined whether input is made with a fingerprint/finger vein on the USB.

In step S1015, the personal financial transaction relay server 100 displays a red signal on the USB when inputting with a fingerprint/finger vein on the USB.

In addition, in step S1016a, a (non) normal transaction fingerprint/finger vein input screen is provided to a smart phone or USB.

Here, the abnormal transaction fingerprint / finger vein input screen providing step (S1016a) refers to whether to display in abnormal transaction or normal transaction in order to link with surrounding logic when forming logic. can be displayed accordingly.

In step S1016b①, when it is necessary to input the fingerprint information of N number of irregular transactions (①), touch the fingerprint information of N number of fingerprints.

In step S1016c, it is determined whether or not the non-normal transaction N address fingerprint information matches.

In step S1016d, after determining whether or not the non-normal transaction N address fingerprint information matches (S1016c), the warning network system is operated.

In addition, when inputting the fingerprint information of No. A in normal transaction in step S1016b② (②), touch the fingerprint information of No. A among fingerprints.

In step S1016e, it is determined whether or not the normal transaction A address fingerprint information matches.

In addition, in step S1016, the personal financial transaction relay server 100 checks whether the registered fingerprint/finger vein authentication, phone number authentication, and account/card password match each other.

In addition, in step S1017, the personal financial transaction relay server 100 determines whether fingerprint / finger vein authentication, phone number authentication, and account / card password are mutually matched in step S1016, and then the fingerprint / finger vein input on the USB is registered. It is judged whether or not the authentication signal of the fingerprint/finger vein coincides with each other.

In step S1018, when the customer terminal 200 processes the fingerprint/finger vein authentication procedure of step S1017 in order to perform online banking transactions and e-commerce transactions, the personal financial transaction relay server 100 is unauthenticated in the online banking system 300 Alternatively, the financial transaction is relayed by accessing the electronic commerce system 400 .

In step S1019, after the unauthenticated financial transaction is relayed, various financial transactions are executed and then ended.

In addition, the financial transaction method using a removable and detachable USB linked to biometrics is a virtual currency transaction method using a removable and detachable USB linked to biometrics applied according to the procedure of virtual currency transaction. provides a financial transaction method using

The protection scope of the present invention is not limited to the description and expression of the embodiments explicitly described above. In addition, it is added once again that the protection scope of the present invention cannot be limited due to obvious changes or substitutions in the technical field to which the present invention pertains.

2: Financial transaction relay system
4, 6: communication network
100: personal financial transaction relay server
110: multiple safety lock module
200: customer terminal
210: fingerprint reader
300: online banking system
400: e-commerce system

Claims (1)

The financial transaction relay system 2 includes a member registration step (S1001) in which the customer terminal 200 connects to the personal financial transaction relay server 100 through the communication network 4 in step S1000, and joins as a member in step S1001;
After the member registration step (S1001), the customer terminal 200 acquires fingerprint/finger vein information through a fingerprint/finger vein recognizer, and relays a plurality of fingerprint/finger vein information through the communication network 4 for personal financial transactions. Fingerprint / finger vein information transmission step of transmitting to the fingerprint / finger vein recognition processing unit in the server 100 (S1004);
When 'N' is selected in the fingerprint/finger vein information transmission step (S1004), a financial transaction execution confirmation step (S1012) of determining whether to execute a financial transaction;
After the financial transaction execution confirmation step (S1012), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and provides a financial transaction settlement process that provides a financial transaction settlement process related thereto step (S1013);
After the financial transaction settlement process providing step (S1013), when inputting the fingerprint information of the normal transaction A (②), the normal transaction A address fingerprint information input step (S1016b②) of touching the fingerprint information of number A among the fingerprints;
After the normal transaction A address fingerprint information input step (S1016b②), the normal transaction A address fingerprint information matching step (S1016e) of judging whether or not the normal transaction A address fingerprint information matches;
After the normal transaction A address fingerprint information match determination step (S1016e), the personal financial transaction relay server 100 checks whether the registered fingerprint / finger vein authentication, phone number authentication, and account / card password are matched with USB and Fingerprint/finger vein authentication, phone number authentication, and checking whether the account/card password matches each other (S1016);
In addition, the personal financial transaction relay server 100 determines whether fingerprint / finger vein authentication, phone number authentication, and account / card password are mutually matched in step S1016, and then the fingerprint / finger vein input on the USB is fingerprint / finger vein recognition Fingerprint/finger vein matching step (S1017) on the USB to determine whether or not the authentication information of the fingerprint/finger vein registered in the processing unit is consistent with each other;
After the fingerprint/finger vein matching step (S1017) on the USB, when the customer terminal 200 processes the fingerprint/finger vein authentication procedure in order to perform online banking and electronic commerce transactions, the fingerprint/finger vein recognition processing unit The personal financial transaction relay server 100 connects to the online banking system 300 or the electronic commerce system 400 without authentication according to the return signal received from the financial transaction relay step (S1018);
After the financial transaction relay step (S1018), after the unauthenticated financial transaction is relayed, the financial transaction relay step (S1019), which is completed after executing various financial transactions In the transmission method,
After the membership registration step (S1001), the customer terminal 200 USB connection confirmation step (S1002) to determine whether the fingerprint / finger vein recognizer is connected to the USB;
After the USB connection confirmation step (S1002), a connection state signal display step (S1003) of displaying the connection state on the customer terminal 200, and displaying a red signal recognizing the connection state on the display unit on the USB;
After the financial transaction settlement process providing step (S1013), the personal financial transaction relay server 100 provides a financial transaction selection screen for making a financial transaction, and in the financial transaction settlement process, fingerprint / Fingerprint / finger vein information input confirmation step (S1014) on USB to determine whether to input by finger veins;
After the USB fingerprint / finger vein information input confirmation step (S1014), the personal financial transaction relay server 100 displays a red signal on the USB when inputting the fingerprint / finger vein information on the USB. S1015);
In addition, after the authentication status signal display step (S1015), a (non) normal transaction fingerprint / finger vein input screen providing step (S1016a) of providing a (non) normal transaction fingerprint / finger vein input screen to a smart phone or USB;
After the (non) normal transaction fingerprint/finger vein input screen providing step (S1016a), when it is necessary to input the fingerprint information of N number of abnormal transaction (①), input the fingerprint information of N number of non-normal transaction that touches the fingerprint information of number N among fingerprints step (S1016b①);
After the abnormal transaction N address fingerprint information input step (S1016b①), the abnormal transaction N address fingerprint information matching step (S1016c) for determining whether the abnormal transaction N address fingerprint information matches or not;
After the abnormal transaction N address fingerprint information matching step (S1016c), the warning network system operation step (S1016d) in which the warning network system is operated; Risk in financial transaction using a removable USB connected to biometrics, characterized in that signal transmission method.

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