WO2017179847A1 - Electronic payment system using fingerprint and/or finger vein recognition and method for processing same - Google Patents

Electronic payment system using fingerprint and/or finger vein recognition and method for processing same Download PDF

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Publication number
WO2017179847A1
WO2017179847A1 PCT/KR2017/003668 KR2017003668W WO2017179847A1 WO 2017179847 A1 WO2017179847 A1 WO 2017179847A1 KR 2017003668 W KR2017003668 W KR 2017003668W WO 2017179847 A1 WO2017179847 A1 WO 2017179847A1
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WO
WIPO (PCT)
Prior art keywords
fingerprint
finger vein
finger
information
client
Prior art date
Application number
PCT/KR2017/003668
Other languages
French (fr)
Korean (ko)
Inventor
최성호
송청자
Original Assignee
주식회사 올아이티탑
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from KR1020160046135A external-priority patent/KR101721896B1/en
Priority claimed from KR1020160138203A external-priority patent/KR101792011B1/en
Priority claimed from KR1020170012306A external-priority patent/KR101810908B1/en
Application filed by 주식회사 올아이티탑 filed Critical 주식회사 올아이티탑
Publication of WO2017179847A1 publication Critical patent/WO2017179847A1/en

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    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61B—DIAGNOSIS; SURGERY; IDENTIFICATION
    • A61B5/00—Measuring for diagnostic purposes; Identification of persons
    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61B—DIAGNOSIS; SURGERY; IDENTIFICATION
    • A61B5/00—Measuring for diagnostic purposes; Identification of persons
    • A61B5/01—Measuring temperature of body parts ; Diagnostic temperature sensing, e.g. for malignant or inflamed tissue
    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61B—DIAGNOSIS; SURGERY; IDENTIFICATION
    • A61B5/00—Measuring for diagnostic purposes; Identification of persons
    • A61B5/02—Detecting, measuring or recording pulse, heart rate, blood pressure or blood flow; Combined pulse/heart-rate/blood pressure determination; Evaluating a cardiovascular condition not otherwise provided for, e.g. using combinations of techniques provided for in this group with electrocardiography or electroauscultation; Heart catheters for measuring blood pressure
    • A61B5/026—Measuring blood flow
    • A—HUMAN NECESSITIES
    • A61—MEDICAL OR VETERINARY SCIENCE; HYGIENE
    • A61B—DIAGNOSIS; SURGERY; IDENTIFICATION
    • A61B5/00—Measuring for diagnostic purposes; Identification of persons
    • A61B5/117—Identification of persons
    • A61B5/1171—Identification of persons based on the shapes or appearances of their bodies or parts thereof
    • A61B5/1172—Identification of persons based on the shapes or appearances of their bodies or parts thereof using fingerprinting
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to an electronic payment system using fingerprints and / or finger vein recognition, and more particularly, to an electronic payment system using a combination of metrics for replacing a credit card payment method using fingerprints and / or finger vein recognition. It relates to a treatment method.
  • the present invention relates to patent registration No. 10-1616266, International Patent Classification G06Q 20/40 and Patent Application No. 10-2016-46135 filed by the present applicant, the fingerprint or / and finger vein recognition by a small image sensor It relates to an electronic payment system and a method thereof.
  • Biometric technology refers to a technology for identifying or identifying an individual using biometric information. Until now, biometric technology has been used to identify an individual's identity using fingerprint, face, iris or voice.
  • Fingerprint recognition technology is small in size and can be mass produced at low cost. It also shows relatively good performance in terms of recognition accuracy and speed. However, fingerprints are exposed outside of the body and are easy to be stolen and may be deformed by sweat, which can affect recognition performance. There are also hygiene problems. Iris recognition technology is the most reliable biometric technology in that there is little possibility of recognition error and forgery is difficult. However, most people are reluctant to shine light directly on their eyes for iris recognition, and iris recognition devices are large and expensive. Face or voice recognition technology has the advantage of being the most natural form of biometric information for identity recognition. However, it has a disadvantage in that the accuracy is lower than other techniques in terms of accuracy of recognition.
  • Finger vein recognition technology refers to a technique for identifying an individual using finger vein pattern images acquired through infrared. Human veins are located underneath the skin and have complex shapes, and studies have shown that vein patterns vary from person to person and do not change with age. Finger vein recognition technology has the following advantages. That is, since the vein is inside the body, there is little risk of theft or forgery, and the condition of the finger surface does not affect recognition.
  • finger vein recognition technology can provide balanced performance in terms of security and convenience.
  • finger vein recognition technology is more difficult to counterfeit than fingerprint, iris, face, and voice recognition technology, enabling a more secure biometric authentication device and miniaturization. It is becoming.
  • finger vein technology has not been universal.
  • Patent Document 1 Republic of Korea Patent Publication No. 10-0954776 (announced April 28, 2010)
  • Patent Document 2 Republic of Korea Patent Publication No. 10-1050301 (announced July 19, 2011)
  • Patent Document 3 Korean Unexamined Patent Publication No. 10-1025666 (announced March 30, 2011)
  • Patent Document 4 Korean Unexamined Patent Publication No. 10-1210750 (Notice Dec. 10, 2012)
  • An object of the present invention is to provide an electronic payment system and method using finger vein recognition to replace the credit card payment method.
  • Another object of the present invention to provide an electronic payment system and method for complementary recognition of the temperature of the finger, blood flow during electronic payment using finger vein recognition.
  • Still another object of the present invention is to provide an electronic payment system and method using finger vein recognition through a mobile application.
  • Still another object of the present invention is to develop an apparatus for recognizing a fingerprint and a finger vein, and to provide an electronic payment system and method using fingerprint or / and finger vein recognition.
  • the present invention has to shorten the distance to the recognition part of the finger vein and develop a miniaturized recognizer. There was a need.
  • the fingerprint on the finger surface can recognize the visible light, and when the infrared light is projected on the finger, the vein pattern appears to recognize it.
  • the electronic payment system using the fingerprint or / and finger vein recognition of the present invention is characterized in that to replace the credit card payment through a mobile application.
  • Such an electronic payment system using fingerprints and / or finger vein recognition can provide security and convenience when making electronic payments such as credit cards.
  • the present invention provides an electronic payment system using fingerprints and / or finger vein recognition, comprising: a communication network; A customer client connected to the communication network and acquiring a first fingerprint or / and finger vein information of the customer; An affiliated client connected to the communication network and acquiring a second fingerprint or / and finger vein information for the customer of the customer client when a commerce occurs; Receiving and registering a first fingerprint or / and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint or / and finger vein information is transmitted from the merchant client, the first and second fingerprints Or / and comparing the finger vein information, the payment service server for processing the authentication to the customer, the payment is made through the payment means corresponding to the first fingerprint or / and the finger vein information, characterized in that it comprises a Electronic payment system using fingerprint or / and finger vein recognition.
  • the electronic payment system if the payment means is a means corresponding to a credit card, if the customer is authenticated, further comprises a credit card company server for processing the authorization to be made from the payment means; It is an electronic payment system using a fingerprint or / and finger vein recognition.
  • the customer client has a first fingerprint or / and finger vein recognizer to obtain a first fingerprint and / and finger vein information
  • the merchant client is a second fingerprint or / and finger vein information Having a second fingerprint or / and a finger vein recognizer
  • the first or second fingerprint or / and finger vein recognizer ;
  • a scanner for scanning a finger of the customer to obtain first or second fingerprint or / and finger vein information;
  • a memory for storing first or second fingerprint and / or finger vein information obtained from the scanner;
  • An LCD for displaying first or second fingerprint and / or finger vein information scanned from the scanner, or for displaying an operation state of the first or second fingerprint and / or finger vein recognizer;
  • An interface module connected to the client client or the merchant client and providing the first client or the second fingerprint and / or finger vein information obtained from the scanner to the client client or the merchant client;
  • a controller for controlling all operations of the first or second fingerprint and / or finger vein recognizer.
  • the customer client has a first fingerprint or / and finger vein recognizer to obtain a first fingerprint and / and finger vein information
  • the merchant client is a second fingerprint or / and finger vein information Having a second fingerprint or / and a finger vein recognizer
  • the scan panel 250 in the object accommodating part 201 as the first or second fingerprint or / or finger vein recognizer is formed while the fingerprint finger contact part 250a and the fingerless finger contact part 250b are formed in a step forward and backward.
  • a groove side wall 251 is formed around the image sensor 230 for photographing the finger vein to be formed as a groove that can be seated at the bottom.
  • the fingerprint finger contact portion 250a and the finger vein contact portion 250b formed on the finger seating portion 252, which can place a finger on the upper edge of the circumference thereof, are formed in two lines so as to authenticate two fingers side by side. Recognizing the fingerprint and finger vein at the same time, 1) fingerprint 1 (250an) and fingerprint 2 (250ar), 2) finger vein 1 (250bn) and finger vein 2 (250br), 3) fingerprint 1 (250an) and Finger vein 1 (250bn), 4) Fingerprint 2 (250ar) and Finger vein 2 (250br), 5) Fingerprint 1 (250an) and designation 2 (250br), 6) the print 2 (250ar) and vein 1 (250bn) using any one of the alternative is selected, fingerprint authentication and / or the finger vein recognition, which is characterized in that in the electronic payment system.
  • the present invention provides a method for processing an electronic payment system using fingerprint or / and finger vein recognition: providing a fingerprint or / and finger vein payment app to a fingerprint or / and finger vein payment service server of the electronic payment system; A client client accessing the fingerprint or / and finger vein payment service server through a communication network, downloading the fingerprint or / and finger vein payment app, and installing the same; Activates the fingerprint or / and finger vein payment app on which the client client is installed, obtains and obtains the first fingerprint or / and finger vein information of the customer through the first fingerprint or / and finger vein recognizer of the client client; Providing the first fingerprint or / and finger vein information to the fingerprint or / and finger vein payment service server through the communication network; The fingerprint or / and finger vein payment service server stores and registers the first fingerprint or / and finger vein information provided from the client client in a database, and transmits the first fingerprint or / and finger vein information to the credit card company server through the communication network.
  • the fingerprint or / and finger vein payment service server makes a payment to a customer's payment means matching the first fingerprint and / or finger vein information.
  • the payment method of the electronic payment system using a fingerprint or / and finger vein recognition characterized in that it comprises the step of requesting the payment approval to the credit card company server.
  • the electronic payment system If the credit card company server payment is approved through the customer's payment means corresponding to the first fingerprint and finger vein information requested for payment, the step of notifying the merchant client and the fingerprint and finger vein payment service server further informs that the payment is approved. It is a method of processing an electronic payment system using a fingerprint or / and finger vein recognition.
  • the step of determining the customer authentication is fingerprint or / and finger vein recognition, characterized in that by the gender identification processing unit for registering the male information is divided into "1", female information "2".
  • the present invention is a method of processing an electronic payment system using fingerprint or / and finger vein recognition, characterized in that the fingerprint or / and finger vein payment hybrid web instead of the fingerprint or / and finger vein payment app.
  • the first fingerprint and / or finger vein information obtained through the first fingerprint and / or finger vein recognizer of the client client and the second fingerprint or / and finger vein recognizer of the affiliated store client Providing second fingerprint and finger vein information to the fingerprint and finger vein payment service server through the communication network; And further detecting the temperature of the blood flow of the customer's finger to provide the first fingerprint and finger vein information and the second fingerprint and finger vein information to the fingerprint and finger vein payment service server.
  • the electronic payment system using the fingerprint or / and finger vein recognition of the present invention provides an electronic payment service using finger vein authentication to replace credit card payment through a mobile application, such as credit card replacement When paying electronically, security and convenience can be provided.
  • the electronic payment system using the fingerprint or / and finger vein recognition of the present invention has a finger vein reader that can be removable to the client client and the merchant client to register or authenticate the finger vein information, the user according to the electronic payment at low cost Authentication is possible.
  • the electronic payment system using the fingerprint or / and finger vein recognition of the present invention can use the highly secure finger vein information as a payment means, providing convenience to the user.
  • the first compartment or the second compartment can be manufactured so that only the person can know the finger vein part of the finger as well as the manufacture of the miniaturized recognizer. (Concept of miniaturization), or the first compartment or the third compartment (the concept of miniaturization and security scalability), or the second compartment or the third compartment (the concept of miniaturization and security scalability), so that only the optional part is its own secret finger vein. It has the effect of being able to do it in parts.
  • FIG. 1 is a block diagram illustrating a network configuration of an electronic payment system that provides a fingerprint or / and finger vein payment service according to the present invention.
  • FIG. 2 is a block diagram showing the configuration of a customer client shown in FIG.
  • Figure 3 is a block diagram showing the configuration of the fingerprint or / and finger vein payment service server shown in FIG.
  • FIG. 4 is a flowchart showing a processing procedure of the electronic payment system according to the present invention.
  • FIG. 5 is a diagram showing an external electronic configuration example of the authentication apparatus as the first embodiment of the present invention.
  • FIG. 6 is a view showing the finger fingerprint surface (a) and the side (b) of the same finger taken by the finger vein image sensor and the finger fingerprint image sensor.
  • FIG. 7 is an internal electronic configuration example of the fingerprint or / and finger vein recording authentication device 1200 according to an embodiment of the present invention
  • FIG. 8 is a diagram showing an external electronic configuration example of an authentication apparatus as a second embodiment of the present invention.
  • FIG. 9 is a view conceptually showing an image acquisition mechanism of a fingerprint and finger vein for two fingers of the authentication apparatus according to an embodiment of the present invention.
  • FIG. 10 conceptually illustrates an image acquisition mechanism of a fingerprint for two fingers of an authentication apparatus according to an embodiment of the present invention.
  • 11 and 12 are flowcharts when the fingerprint 1 and the fingerprint 2 of the present invention are simultaneously recognized.
  • FIG 13 and 14 are flowcharts when the finger vein 1 and the finger vein 2 of the present invention are recognized at the same time.
  • 15 and 16 are flowcharts when the fingerprint 1 and the finger vein 1 of the present invention are recognized at the same time.
  • 17 and 18 are flowcharts when the fingerprint 2 and the finger vein 2 of the present invention are recognized at the same time.
  • 19 and 20 are flowcharts when the fingerprint 1 and the finger vein 2 of the present invention are recognized at the same time.
  • 21 and 22 are flowcharts when the fingerprint 2 and the finger vein 1 of the present invention are recognized at the same time.
  • 23 is a diagram showing an example of the configuration of the entire process of the authentication method using the authentication apparatus of the present invention.
  • FIG. 24 is a diagram illustrating images of fingerprints and finger veins of two fingers according to the present invention.
  • 25 is a matrix table in which the fingerprint 1 and the fingerprint 2 and the finger vein 1 and the finger vein 2 of the present invention may represent a combination form.
  • FIG. 26 is a block diagram illustrating a network configuration of an electronic payment system that provides a fingerprint or / and a finger vein payment service according to the hybrid web of the present invention.
  • FIG. 27 is a block diagram showing the configuration of a customer client shown in FIG.
  • 29 is an internal electronic configuration diagram of a fingerprint or / and a finger vein photographing authentication device according to an embodiment of the present invention.
  • FIG. 30 is a flowchart illustrating a processing procedure of gender identification information corresponding to FIG. 29 of the present invention.
  • fingerprint or / and finger vein recognizer 300 credit card company server
  • object receiving portion 1201a upper part of the scan panel
  • Scan panel lower case 1220, 1230, 1231 Image sensor
  • infrared light source unit 1242 infrared light source unit 1242; Visible light source
  • FIG. 1 is a block diagram showing a network configuration of an electronic payment system for providing a fingerprint or / and finger vein payment service according to the present invention.
  • the electronic payment system using the fingerprint or / and finger vein recognition of the present invention to recognize the fingerprint or / and the finger vein to replace the credit card payment of the customer to make a payment process or
  • electronic payments such as credit cards, debit cards, check cards and bank transfers
  • the customer's identity is processed so that payment is made through fingerprint or / and finger vein authentication.
  • the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint or / and finger vein payment service server 100, a plurality of customer clients 200, a credit card company server 300 and a plurality of services. Two merchant clients 400.
  • Fingerprint or / and finger vein payment service server 100 registers the fingerprint or / and finger vein information of the customer from the client client 200, fingerprint or / and finger vein to authenticate the fingerprint and / or finger vein information at the time of payment / And the finger vein payment app 110, and through this process between the client client 200, the merchant client 400 and the credit card company server 300 through the communication network 10 to make a mutual electronic payment.
  • the client client 200 is provided as a portable mobile terminal such as, for example, a smartphone or a tablet computer, and includes a fingerprint or / and a finger vein recognizer to register or authenticate a fingerprint or / or finger vein information of the client. 210.
  • the fingerprint or / and the finger vein recognizer 210 is provided in the form of a module inside the customer client 200, as shown in Figure 2, as an independent device detachable from the customer client 200 It may be provided.
  • the client client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to download the fingerprint or / and finger vein payment app 110 and installs therein.
  • the client client 200 activates the fingerprint or / and the finger vein payment app (202 of FIG. 2) to scan the fingerprint or / and the finger vein information through the fingerprint or / and the finger vein recognizer 210, Provide the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the 2 communication network 10, and the virtual payment means replaced by the customer's own credit card, for example, a virtual payment credit card. And register by matching with a virtual payment account.
  • the fingerprint or / and finger vein information of the customer client 200 registered in the fingerprint or / and finger vein payment service server 100 is the identification of the issued credit card, debit card, check card and transaction account information of the customer And for confirmation.
  • Credit card company server 300 issuing a virtual payment means corresponding to the fingerprint or / and finger vein information of the client client 200, by using the fingerprint or / and finger vein information to determine whether the payment approval fingerprint or / and Provides the determination result to the finger vein payment service server (100).
  • the credit card company server 300 is a fingerprint or / and fingerprint of the client client 200 for identification and verification of other payment means corresponding to the client client 200, for example credit card, debit card, check card and transaction account information Finger vein information is available.
  • the affiliated client client 400 is a terminal provided in an affiliated store that sells a product or a service through an on-off line.
  • the affiliated client client 400 is provided as a POS terminal, a personal computer, or the like.
  • Merchant client 400 has a fingerprint or / and finger vein recognizer 410 for recognizing the fingerprint and / and finger vein information of the customer.
  • Merchant client 400 is a customer after the customer of the client 200 purchases goods or services in the merchant, the payment is made, through the fingerprint or / and finger vein recognizer 410 the fingerprint or / and finger vein information of the customer Scan and transmit the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to request payment approval.
  • the merchant client 400 checks the payment approval through the fingerprint or / and finger vein payment service server 100 when the payment for the corresponding payment is approved from the credit card company server 300 (or another payment system). .
  • FIG. 2 is a block diagram showing the configuration of the customer client shown in FIG. 1
  • FIG. 3 is a block diagram showing the configuration of the fingerprint or / and finger vein payment service server shown in FIG.
  • the customer client 200 of this embodiment is provided with a smart phone, the fingerprint or / and finger vein payment app 202 is installed therein.
  • the fingerprint or / and finger vein payment app 202 is downloaded and installed from the fingerprint or / and finger vein payment service server 100 through a communication network.
  • the smartphone 200 activates the fingerprint or / and finger vein payment app 202 to register the fingerprint or / and finger vein information of the customer on the fingerprint or / and finger vein payment service server 100. To this end, the smartphone 200 is attached to the fingerprint or / and finger vein recognizer (210). This removes the financial burden on the customer to purchase the fingerprint or / and the finger vein recognizer 210, and actively encourages the use of the fingerprint or / and the finger vein payment app 202.
  • a merchant or a credit card company of the finger vein payment service server 100 provides a fingerprint or / and finger vein recognizer 210 at a commerce site to register and use a payment means using a fingerprint or / and finger vein, Mounted on the smart phone 200, provided in a detachable form.
  • the fingerprint or / and the finger vein recognizer 210 acquires finger vein information to project the near-infrared rays to the vein of the finger which is easy to use among the blood vessels of the customer to recognize the hemoglobin pattern of the vein to authenticate the customer. That is, the vein of the finger absorbs near infrared light and the portion other than the vein transmits near infrared light, irradiating the near infrared to the finger and photographing the finger by a scanner having a near infrared sensitivity, for example, an infrared camera. By taking an image, the vein pattern can be extracted and used for personal authentication.
  • the fingerprint or / and the finger vein recognizer 210 controls the overall operation of the fingerprint or / and the finger vein recognizer 210, and acquires fingerprint or / and finger vein information by scanning a finger of a customer.
  • the scanner 214 a memory 216 storing fingerprint and / or finger vein information obtained from the scanner 214, the fingerprint or / and finger vein information scanned from the scanner 214, or displaying a fingerprint or / and designation.
  • LCD 218 for displaying the process of the Mac recognizer 210, and an interface module connected to the smart phone 200 to provide a fingerprint or / and finger vein information obtained from the scanner 214 to the smart phone 200 220.
  • the fingerprint or / and the finger vein recognizer 210 when acquiring fingerprint or / and finger vein information from the scanner 214, the temperature sensor 222 for detecting the temperature of the finger and the blood flow sensor for recognizing blood flowing through the finger 224 is further provided.
  • the temperature sensor 222 and the blood flow sensor 224 may, for example, use fingerprints and / or designations to compensate for and solve the problem of scanning fingerprint or / and finger vein information using only another person's finger for a certain time.
  • the MAC recognizer 210 recognizes the temperature of the finger and the flow of blood flow together with the fingerprint or / and finger vein information obtained from the scanner 214, and if it is determined that there is no abnormality, the fingerprint or / and acquired from the scanner 214. Processes to provide finger vein information to the smartphone (200).
  • the configuration of the fingerprint or / and the finger vein recognizer 210 is provided to have a substantially similar or identical configuration to the fingerprint or / and the finger vein recognizer 410 of the merchant client 400. Therefore, the description of the specific configuration or function of the fingerprint or / and finger vein recognizer 410 of the merchant client 400 will be omitted here.
  • the fingerprint or / and finger vein payment service server 100 of this embodiment stores the control unit 102, the communication unit 104, and the fingerprint or / and finger vein payment app 110.
  • a storage unit (not shown) and a database 120 are included.
  • the fingerprint or / and finger vein payment service server 100 includes components of a typical computer system, such as a central processing unit, a memory device, an input / output device and a storage device, although not shown in the drawing.
  • the communication unit 104 is connected to the customer client 200 and the merchant client 400 through the communication network 10, the credit card company server 300 and the fingerprint or / and finger vein payment service server 100, mutual data communication This is provided to make it possible.
  • the controller 102 controls and processes various operations of the fingerprint or / and finger vein payment service server 100.
  • the controller 102 may include, for example, hardware such as a central processing unit, a memory, or a web server, as well as software such as an operating system program and a control program.
  • the control unit 102 processes to register members from each of the client client 200 and the merchant client 400 using the fingerprint or / and the finger vein payment app 110, and the fingerprint or the fingerprint of the customer from the client client 200. / And to process the finger vein information, and if the fingerprint or / and finger vein information of the customer is transmitted from the merchant client 400, and compared with the fingerprint or / and finger vein information of the registered customer, to authenticate the customer Process payment to be made.
  • the control unit 102 controls the processes of the fingerprint or / and finger vein payment app 110, a detailed description thereof will be described in detail with reference to FIG.
  • Fingerprint and / and finger vein payment app 110 is stored in the storage unit (not shown) of the fingerprint or / and finger vein payment service server 100, is processed under the control of the control unit 102, the database 120 The various information is read from or stored in the database 120.
  • Such fingerprint or / and finger vein payment app 110 is provided in the form of a mobile application in this embodiment, it is installed on the customer client 200.
  • the fingerprint or / and finger vein payment app 110 may be provided in the form of a web browser.
  • Fingerprint or / and finger vein payment app 110 in this embodiment is a fingerprint or / and finger vein registration module 112 for processing to register the fingerprint or / and finger vein information of the customer from the customer client 200, merchants When the fingerprint or / and finger vein information of the customer is transmitted from the client 400, the fingerprint or / and finger vein is compared with the fingerprint or / and finger vein information of the registered customer, and the fingerprint or / and finger vein is processed to authenticate the customer so that payment is made.
  • a payment module 114 is a fingerprint or / and finger vein registration module 112 for processing to register the fingerprint or / and finger vein information of the customer from the customer client 200, merchants
  • the fingerprint or / and finger vein is compared with the fingerprint or / and finger vein information of the registered customer, and the fingerprint or / and finger vein is processed to authenticate the customer so that payment is made.
  • a payment module 114 is a payment module 112 for processing to register the fingerprint or / and finger vein information of the customer from the customer client 200, merchants
  • the fingerprint or / and finger vein payment app 110 registers in the database 120 by receiving the fingerprint or / and finger vein information from the customer client 200, the fingerprint or / and designation of the customer from the merchant client 400
  • the fingerprint and / or finger vein information of the customer registered in the database 120 is analyzed and compared to authenticate the customer so that payment is made through a payment method matched with the fingerprint or / and finger vein information. Process.
  • the database 120 stores various information according to the processing of the fingerprint or / and the finger vein payment app 110 under the control of the controller 102.
  • the database 120 is provided inside the fingerprint or / and finger vein payment service server 100, but may be provided as a separate database server.
  • Database 120 of this embodiment stores customer information 122, fingerprint or / and finger vein information 124, credit card matching information 126, payment information 128, and merchant information 130. .
  • Customer information 122 is the customer information entered when the customer client 200 activates the fingerprint or / and finger vein payment app 202 to register as a member, for example, name, mobile phone number, etc. Include your contacts, passwords, email addresses, and more.
  • the customer information 122 may further include information on issued payment methods such as credit cards, debit cards, check cards and transaction accounts.
  • Fingerprint and / or finger vein information 124 is registered corresponding to customer information 122.
  • the fingerprint or / and finger vein information 124 is obtained from the fingerprint or / and finger vein recognizer 210 of the client client 200, and the fingerprint or / and finger vein from the client client 200 through the communication network 10. It is provided to the payment service server 100.
  • the fingerprint or / and finger vein information 124 registered in the fingerprint or / and finger vein payment service server 100 may correspond to one payment means (eg, virtual payment means), or the issued payment means (eg, It is used as information required for user authentication of credit card, transaction account, etc.).
  • Credit card matching information 126 includes matching information for one payment means (eg, virtual payment means) or / and finger vein issued payment means that is linked to the customer's fingerprint and / or finger vein information 124. do.
  • the payment information 128 may include fingerprint or / and finger vein information 124 in which fingerprint or / and finger vein information transmitted from the fingerprint or / and finger vein recognizer 410 of the merchant client 400 is registered from the client client 200. ) Is compared, analyzed, and matched, the payment request and the approved contents in the affiliated client client 400 include a payment date, a payment amount, and a payment history.
  • the merchant information 130 may include, for example, member information on an affiliated store registered as a member of the fingerprint or / and finger vein payment service server 100, such as an affiliate store name, a contact number, an address, and the like.
  • the fingerprint or / and finger vein payment service server 100 of the present invention receives the fingerprint or / and finger vein information 124 from the customer client 200 through the communication network 10 to register in the database 120,
  • a customer's fingerprint or / and finger vein information and payment request are received from the affiliated client client 400, when compared to the registered fingerprint or / and finger vein information and analyzed to correspond to a specific customer, payment is made by the customer's payment method.
  • the payment request is made to the credit card company server 300 to be made, and when the payment is approved by the credit card company server 300, the client client 200 and the affiliated client client 400 notify that the payment has been made.
  • This procedure is a program processed by the fingerprint or / and finger vein payment service server 100 according to the present invention, the program is provided as a fingerprint or / and finger vein payment app, the fingerprint or / and finger vein payment service server It is stored in the storage unit (not shown) of the 100, and installed in the customer client 200.
  • the fingerprint or / and finger vein payment app 110 is processed in conjunction with the client client 200, merchant client 400, credit card company server 300 and fingerprint or / and finger vein payment service server 100 .
  • the electronic payment system 2 of the present invention provides the fingerprint or / and finger vein payment app 110 to the fingerprint or / and finger vein payment service server 100 in step S150.
  • the customer 2 client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10, and downloads the fingerprint or / and finger vein payment app 110 is installed inside. .
  • step S154 the client client 200 activates the installed fingerprint or / and finger vein payment app 202, obtains his or her own fingerprint or finger vein information through the fingerprint or / and finger vein recognizer 210, and It provides the fingerprint or / and finger vein information obtained to the fingerprint or / and finger vein payment service server 100 through the communication network (10).
  • the fingerprint or / and finger vein payment service server 100 stores and registers the fingerprint or / and finger vein information provided from the client client 200 in the database 120. At this time, the fingerprint or / and finger vein payment service server 100 transmits the fingerprint or / and finger vein information to the credit card company server 300 through the communication network (10).
  • step S158 the credit card company server 300 registers the fingerprint or / and finger vein information transmitted from the finger vein payment service server 100 by matching the payment means of the customer registered in the credit card company server 300 Or, correspond to the credit card, debit card, check card and transaction account issued from the credit card company server 300 to register and match. Therefore, through the above-described step S150 to step S158, the customer client 200 is registered to enable the electronic payment processing for the fingerprint or / and finger vein information.
  • step S160 When the transaction occurs in the affiliated store in step S160, the fingerprint or / and finger vein information of the customer from the fingerprint or / and finger vein recognizer 410 of the merchant client 400, the fingerprint or / and finger vein information in step S162 And payment information is sent to the fingerprint or / and finger vein payment service server 100 to request payment approval according to the commerce.
  • the fingerprint or / and finger vein payment service server 100 compares and analyzes the fingerprint or / and finger vein information transmitted from the affiliate client 400 with the fingerprint or / and finger vein information registered in the database 120. To determine the authentication status of the customer. As a result of the determination, when the two fingerprints and / or finger vein information match, in step S166, the fingerprint or / and finger vein payment service server 100 approves the payment to the credit card company server 300 so that the payment is made by the customer's payment means. If the request, and the determination result, the two fingerprints and / and finger vein information does not match, the merchant client 400 informs the reason for rejection and rejection, and the like.
  • step S168 if the credit card company server 300 is approved through the payment means corresponding to the fingerprint or / and finger vein information requested for payment, the merchant client 400 and the fingerprint or / and finger vein payment service server 100 To confirm that the payment was approved.
  • the fingerprint or / and finger vein payment service server 100 transmits a payment approval result to the client client 200, in step S172, the affiliated client client 400 confirms that the payment is approved, and then, in step S174, the client client 200 confirms that payment has been approved.
  • the electronic payment system (2) using the fingerprint or / and finger vein authentication of the present invention registers the fingerprint or / and finger vein information of the customer to the fingerprint or / and finger vein payment service server 100, through which the merchant client When the commerce occurs from 400, the fingerprint or / and the finger vein information is determined to process the payment is made through the payment means matched to the fingerprint or / and finger vein information of the customer.
  • FIG 5 is a view showing an external electronic configuration example of the authentication device 1200 of the present invention
  • Figure 6 is a finger fingerprint surface (a) and the side ( b).
  • Reference numeral 1a in FIG. 6 denotes a portion of a fingerprint or / and a finger vein between the nodes of a finger, 1b denotes a node of a finger, and 1c denotes a fingerprint portion.
  • An integrated photographing authentication apparatus (recognizer) 1200 capable of capturing fingerprints and fingerprints and / or finger veins
  • the object accommodating portion 1201 accommodates a scan panel upper case 1201a and its entire length forming a finger seat up and down.
  • Scan panel lower case 1201b is configured
  • the upper portion of the scan panel upper case 1201a is a scan panel 1250 for simultaneously photographing the fingerprint and / or finger vein made of a transparent material such as glass or acrylic
  • the scan panel 1250 is formed by forming a fingerprint finger contact portion 1250a and a fingerprint or / and finger vein non-contact portion 1250b in a step forward and backward.
  • Fingerprint or / and finger vein non-contact portion (1250b) of the scan panel 1250 is formed at the edge of the groove side wall (1251) so that it can be formed into a groove, the finger seating so that the finger can be placed around the upper end
  • the portion 1252 is formed in equilibrium with the fingerprint finger contact portion 1250a.
  • the temperature sensor 1275 for sensing the temperature of the blood flow of the finger is formed in front of the fingerprint or / and non-finger finger contact 1250b to face the fingerprint finger contact portion 1250a of the scan panel 1250, When the finger is landing, it detects the temperature of blood flow of the finger and is formed to enable its operation by the detected temperature.
  • one side has an infrared side emitting unit case 1260 having an infrared side emitting unit 1260a to be photographed from the side in order to capture the fingerprint or / and finger vein more accurately.
  • the scan panel lower case 1201b is formed as a space for accommodating electrical equipment.
  • a finger seating rim 1253 to which the finger is seated is formed.
  • the user initiates fingerprint or / and finger vein authentication by placing a finger object over the scan panel 250, and when fingerprint or / and finger vein authentication by the device is initiated,
  • the infrared light source unit 1240 and the visible light source unit 1242 irradiate infrared rays and visible lines toward the finger object.
  • a plurality of image sensors respectively photograph the fingerprint and the fingerprint or / and the finger vein of the irradiated finger.
  • the integrated photographing authentication device (recognizer) 1200 includes two image sensors 1220 and 1230.
  • the finger vein image sensor 1230 is installed inside the object receiving unit 1201 and photographs the finger vein of the object from below toward the scan panel 1250.
  • the finger fingerprint image sensor 1220 is installed in the same object receiving unit 1201 to photograph the finger fingerprint of the object.
  • a user initiates fingerprint or / and finger vein authentication by placing a finger object on the scan panel 1250, and when fingerprint or / and finger vein authentication by the device is initiated, an infrared light source unit (1240) 1241 and visible line light source 1242 irradiate infrared rays and visible lines toward the finger object.
  • image sensors are to photograph the fingerprint and finger vein of the irradiated finger, respectively.
  • the integrated photographing authentication device (recognizer) 1200 includes three image sensors 1220, 1230, and 1231.
  • the finger vein image sensors 1230 and 1231 are embedded in the object receiving unit 1201 and installed to photograph the finger vein of the object from the lower side and the side toward the scan panel 1250.
  • the finger fingerprint image sensor 1220 is installed in the same object receiving unit 1201 to photograph the finger fingerprint of the object.
  • the finger vein image sensor 1230 and 1231 and the finger fingerprint image sensor 1220 simultaneously photograph the finger vein and the finger fingerprint of the finger to use both of the finger vein by using biometric information
  • the margin of error can be reduced to one-third of the square than when shooting individually.
  • the finger vein image sensor 1230 and 1231 and the finger fingerprint image sensor 1220 can shoot the finger vein and finger fingerprint of one finger at a time, the finger vein and the finger fingerprint surface and By photographing from the 90 degree side, the same error range reduction can be obtained by simultaneously obtaining a fingerprint and a finger vein image by one finger.
  • the finger vein image sensor 1230 and 1231 and the finger fingerprint image sensor 1220 can shoot the finger vein and finger fingerprint of one finger at a time, the finger vein and the finger fingerprint surface and By photographing from the 90 degree side, the same error range reduction can be obtained by simultaneously obtaining a fingerprint and a finger vein image by one finger.
  • FIG. 7 illustrates an example of an internal electronic configuration of the fingerprint or / and finger vein photographing authentication device 1200 according to an exemplary embodiment of the present invention.
  • Integrated photographing authentication device (recognizer) 1200 of the present invention is an infrared light source 1240, finger vein image sensor 1230, finger fingerprint image sensor 1220, digital converter 1290, decryption algorithm unit 1260, Biometric data storage 1270 and display unit 1280.
  • 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 accommodating unit.
  • it can be composed of one or more LEDs that emit infrared light of 630 ⁇ 1,000nm wavelength suitable for imaging the finger vein image.
  • an optical filter may be installed to remove optical noise.
  • the visible light source part 1242 irradiates visible light toward the object accommodating part. It can be composed of one or more LEDs by emitting ultraviolet light of a wavelength suitable for capturing the fingerprint of the finger surface.
  • one infrared light source unit 1240 and one visible light source unit 1242 may be provided to irradiate infrared light and visible light toward the object receiving unit.
  • the infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object receiving unit 1101 so that the infrared and visible lines reach the object evenly, thereby optimizing for image acquisition.
  • the finger vein image sensor 1220, 1230 obtains a finger vein image for one finger object at the bottom and side.
  • the finger vein image sensor 1230 obtains the finger vein image of the fingerprint surface and the side for one finger object.
  • Fig. 6 (a), (b) it refers to the angle to shoot infrared light from the inner surface and side of each finger.
  • the image When shooting the front image of the finger object, the image is placed so that the finger fingerprint surface of the finger touches the scanning panel, and according to the number of finger vein image sensors 1220 and 1230, the side of the finger is rolled 90 degrees to the side. Touch this scan panel.
  • the photographing order of the finger fingerprint surface and the side of the finger may be interchanged.
  • the digital converter 1290 receives both the fingerprint or / and the finger vein image and the finger fingerprint image and extracts the finger vein and the finger fingerprint image.
  • the digital conversion unit 1250 the present invention obtains the finger vein and finger fingerprint image file for the finger.
  • the controller 1210 allows the image files converted by the digital converter 1290 to be delivered to the matching algorithm unit 1260.
  • the biometric data storage 1270 stores biometric information of a user stored in advance.
  • the biometric data store 1270 may be built in an internal memory of the authentication device 1200.
  • the biometric data store 1270 may use a crypto-processor that can be protected from external hardware, software attacks or theft.
  • the matching algorithm unit 1260 acquires user data stored in the biometric data storage 1270 and then determines whether the matching algorithm 1260 matches the user biometric information obtained by the digital converter 1290. If it matches, the success message may be output through the display unit 1280. If the decryption fails, the authentication failure message may be output to the display unit 1280.
  • the controller 1210 controls the operation and function of the authentication device 1200.
  • fingerprint or / and finger vein image acquisition, processing, authentication operations and authentication results are determined.
  • a variety of software is available for processing and computing acquired fingerprints and / or finger vein images.
  • the Canny edge detector algorithm can be used.
  • Gaussian filter can be applied to remove the noise of the original image as a whole.
  • Edge the image through an Image Gradient.
  • the sketch line of the image is extracted.
  • Apply the Non-maximum Supression to thin the edges (sketch line), and apply the Double Threshold to classify dark edges as solid edges and faint edges as noises as weak edges. .
  • it deletes the weak edges, leaves only the obvious edges, and finally prints the edged image of the finger vein.
  • the authentication device of the present invention dramatically reduces the false recognition rate by authenticating by using the fingerprint image and finger vein data of the finger at the same time.
  • FIG. 8 is a diagram showing an external electronic configuration example of the authentication apparatus 200a as the second embodiment of the present invention.
  • FIG. 8 is a second embodiment of the present invention, which is largely the same as the embodiment shown in FIG. 5, but in the second embodiment in the fingerprint recognition unit, three image sensors 1220, in the integrated photographing authentication device (recognizer) 1200, are illustrated. Although 1230 and 1231 are built in, a fingerprint recognition module 250aa is formed instead of the double finger fingerprint image sensor 1220 to provide a method of determining a fingerprint by contact of a fingerprint.
  • the fingerprint recognition module 250aa has a multi-layered thin plate structure, a fingerprint recognition layer is formed on the upper layer of the fingerprint authentication module, and a temperature and blood flow detection authentication layer is formed at the bottom thereof to detect the temperature and blood flow of the human body. It can be configured to start its operation later.
  • the present invention is an integrated photographing authentication device (recognizer) 200 that can photograph the fingerprint and finger vein
  • the object receiving unit 201 is a scan panel upper case to form a finger seat up and down 201a and a scan panel lower case 201b for accommodating the full length thereof, and a scan panel for simultaneously capturing fingerprints and finger veins on the upper portion of the scan panel upper case 201a made of a transparent material such as glass or acrylic.
  • 250 is installed, and the scan panel 250 is formed while the fingerprint finger contact portion 250a and the fingertip non-contact portion 250b form a stage back and forth.
  • the non-finger finger contact portion 250b of the scan panel 250 is formed at the edge of the groove side wall 251 to be formed as a groove, and the finger seating portion 252 to place the finger around the upper end thereof. Is formed in equilibrium with the fingerprint finger contact portion 250a.
  • the temperature sensor 275 for sensing the temperature of the blood flow of the finger is formed in front of the non-finger finger contact portion 250b opposite the fingerprint finger contact portion 250a of the scan panel 250, thereby landing the finger.
  • the finger vein is formed by the detected temperature and flow.
  • an infrared side emitting unit case 260 is formed in one side to accommodate the infrared side emitting unit 260a so that the side vein can be photographed in order to capture the finger vein more accurately.
  • the scan panel lower case 201b is formed as a space that can accommodate the electrical equipment.
  • a finger seating border 253 to which the finger is seated is formed.
  • the user initiates finger vein authentication by placing a finger object on the scan panel 250, and when the finger vein authentication by the apparatus is started, an infrared light source unit formed at the bottom or side ( 240 and 241 are selectively formed to irradiate infrared rays toward the finger object.
  • a plurality of image sensors respectively photograph the fingerprint and finger vein of the irradiated finger.
  • the integrated photographing authentication device (recognizer) 200a includes two image sensors 230 and 231.
  • the finger vein image sensor 230 is installed in the object receiving unit 201 and photographs the finger vein of the object from the lower side toward the scan panel 250.
  • the image sensor 231 is in the infrared side emitting part case 260 formed on the side of the object receiving portion 201 Built-in is installed, the finger vein of the object is photographed from the side toward the scan panel 250.
  • the fingerprint recognition module 250aa formed at the fingerprint finger contact portion 250a of the scan panel 250 provides a method of determining a fingerprint by only touching the fingerprint.
  • the fingerprint recognition module 250aa has a size of about 1cm * 1cm * 0.3cm and is excellent in its recognition rate even if it is attached anywhere.
  • a user initiates finger vein authentication by placing a finger object on the scan panel 250, and when finger vein authentication is started by the device, the infrared light source unit 240, 241 performs a finger finger. Irradiate infrared toward the object.
  • image sensors are to photograph the fingerprint and finger vein of the irradiated finger, respectively.
  • the integrated photographing authentication device (recognizer) 200a includes two image sensors 230 and 231.
  • the finger vein image sensors 230 and 231 are installed in the object receiving unit 201 and photograph the finger vein of the object from the lower side and the side toward the scan panel 250.
  • the fingerprint recognition module 250aa is installed in the same object receiving unit 201 to photograph the fingerprint of the object.
  • the finger vein image sensor 230, 231 and the fingerprint recognition module 250aa simultaneously photograph the finger vein and finger fingerprint of the finger and use both of them as biometric information so that one fingerprint or finger vein is used.
  • the error range can be reduced to one-th of the largest square than when photographed separately.
  • the finger vein image sensor 230, 231 and the finger fingerprint image sensor 220 can shoot the finger vein and finger fingerprint of one finger at a time, the finger vein and the finger fingerprint surface and By photographing horizontally or at an angle of 90 degrees, a fingerprint and finger vein image can be simultaneously acquired by a single finger, and the same error range can be reduced.
  • FIG. 9 is a diagram conceptually illustrating an image acquisition mechanism of a fingerprint and a finger vein for two fingers of an authentication apparatus 200 according to an embodiment of the present invention
  • FIG. 10 is an authentication device according to an embodiment of the present invention.
  • the present invention is an integrated photographing authentication apparatus (recognizer) 200 capable of capturing a fingerprint and a finger vein, and an object accommodating part 201 forms an upper and lower finger seating part 201a.
  • a scan panel lower case 201b for accommodating the full length thereof, and at the top of the scan panel upper case 201a, the fingerprint and finger vein of two fingers made of a transparent material such as glass or acrylic are simultaneously photographed.
  • Two scan panels 250n and 250r are installed, and the two scan panels 250n and 250r have the fingerprint finger contact portions 250an and 250ar and the non-finger finger contact portions 250bn and 250br. It is formed while forming.
  • the finger vein non-contact portion 250bn of the scan panel 250n is formed at the edge of the groove side wall 251 to be formed as a groove, and a finger seating portion for placing a finger around the upper end thereof. 252 is formed in parallel with the fingerprint finger contact portion 250a.
  • the temperature sensor 275 for detecting a blood flow or temperature of the finger is formed in front of the finger non-contact portion 250bn facing the fingerprint finger contact portion 250an of the scan panel 250, thereby landing the finger. In this case, by detecting the temperature of the finger or the flow of blood flow is formed to recognize the finger vein by the detected temperature or flow.
  • temperature sensors 205a and 205b for detecting a blood flow or a temperature of a finger are formed below the fingerprint finger contacts 250aa and 250ab of the scan panel, or any of the fingerprint authentication modules 250aa and 250ab. Forming a thin layer for authenticating the blood flow or temperature of the finger in one layer, so that the operation is not performed if the living body does not authenticate at the same time.
  • the fingerprint recognition modules 250an and 250ar may be formed instead of the temperature sensor 275, which has a multi-layered thin plate structure, and a fingerprint recognition layer is formed on an upper layer of the fingerprint authentication module.
  • the temperature and blood flow detection authentication layer may be formed to detect the temperature and blood flow of the human body and then start the operation thereof.
  • an infrared side emitting unit case 260 is formed in one side to accommodate the infrared side emitting unit 260a so that the side vein can be photographed in order to capture the finger vein more accurately.
  • the user starts finger vein authentication by placing a finger object on the scan panels 250n and 250r, and when finger vein authentication is started by the apparatus, the infrared light source parts 241 and 243 and the lower side are displayed on the left and right sides. Infrared light source unit 240, 244 irradiates the infrared toward the finger object.
  • the left and right image sensors 231 and 232 and the lower image sensors 230 and 233 respectively photograph the finger vein of the irradiated finger.
  • the scan panel lower case 201b is formed as a space that can accommodate the electrical equipment.
  • a finger seating border 253 to which the finger is seated is formed.
  • the user initiates fingerprint and finger vein authentication by placing a finger object on the scan panels 250n and 250r, and when fingerprint and finger vein authentication by the device is started, the infrared light source unit ( 240) 244 irradiates infrared rays toward the finger object.
  • the infrared light source units 241 and 243 formed on the left and right sides are irradiated with infrared rays toward the finger object.
  • fingerprint authentication modules 250an and 250ar are installed in the same object accommodating portion 201 to authenticate finger fingerprints of objects.
  • fingerprint 1 (250an) and fingerprint 2 (250ar), 2) finger vein 1 (250bn) and finger vein 2 (250br), 3) fingerprint 1 (250an) and finger vein 1 (250bn) 4) Fingerprint 2 (250ar) and finger vein 2 (250br), 5) Fingerprint 1 (250an) and finger vein 2 (250br), 6) Fingerprint 2 (250ar) and finger vein 1 (250bn) will be.
  • FIG. 10 is an embodiment of the present invention using two finger fingerprints, and the same reference numerals and technical terms are used for the same technical configuration as the embodiment shown in FIG. 8.
  • a method of determining a fingerprint by contact of the fingerprint is provided by forming the 250aa) 250ab.
  • the temperature sensors 205a and 205b for sensing the temperature of the blood flow flow of the finger are formed in front of the fingerprint recognition modules 250aa and 250ab, so that the temperature of the finger when the finger is touched. And by detecting the flow of blood flow is formed to enable the recognition of the finger vein by the sensed temperature and flow.
  • fingerprint recognition modules 250aa and 250ab may be formed.
  • the fingerprint recognition modules 250aa and 250ab may have a multi-layered thin plate structure, and a fingerprint recognition layer may be formed on an upper layer of the fingerprint authentication module.
  • Temperature and blood flow detection authentication layer is formed at the bottom may be formed so as to start its operation after sensing the temperature and blood flow of the human body.
  • FIGS. 11 and 12 are flowcharts when the fingerprint 1 and the fingerprint 2 of the present invention are recognized at the same time
  • FIGS. 13 and 14 are flowcharts when the finger vein 1 and the finger vein 2 of the present invention are simultaneously recognized.
  • And 16 are flowcharts when the fingerprint 1 and the finger vein 1 of the present invention are recognized at the same time.
  • FIGS. 17 and 18 are flowcharts when the fingerprint 2 and the finger vein 2 of the present invention are simultaneously recognized. Is a flowchart when the fingerprint 1 and the finger vein 2 of the present invention are recognized simultaneously
  • FIGS. 21 and 22 are flowcharts when the fingerprint 2 and the finger vein 1 of the present invention are recognized at the same time.
  • FIG. 11 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint1 authentication according to an embodiment of the present invention.
  • the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. .
  • the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
  • step S154 the customer terminal 200 obtains the fingerprint 2 information and the fingerprint 1 information through the fingerprint 2 recognizer 210 and the fingerprint 1 recognizer 220 and finances the fingerprint 2 information and the fingerprint 1 information through the communication network 4.
  • the financial transaction relay server 100 registers the fingerprint 2 information and the fingerprint 1 information corresponding to the customer terminal 200.
  • the financial transaction relay server 100 stores the fingerprint 2 information and the fingerprint 1 information in a database.
  • step S156 the financial transaction relay server 100 first recognizes the fingerprint 1 and determines whether it matches the fingerprint 1 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
  • the fingerprint 2 is secondarily recognized in step S164, and it is determined whether the fingerprint 2 information matches the fingerprint 2 information stored in the database in step S166.
  • step S168 the procedure proceeds to step S168 so that the database of the financial transaction relay server 100 can be opened in the multiple safety lock module 110 through the middleware approval processing unit 120 in a third step.
  • step S170 the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
  • step S158 and S166 if the financial transaction relay server 100 does not match any of the fingerprint 2 information and the fingerprint 1 information from the customer terminal 200, the process proceeds to step S172 to process the electronic financial transaction and the electronic commerce. Block the connection of the financial transaction relay server 100 to prevent.
  • FIG. 12 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 1 and a fingerprint 2 according to another embodiment of the present invention.
  • This embodiment is processed when the fingerprint 1 information and the fingerprint 2 information are the same or similar, so that the user identification is difficult. If the primary user authentication is performed with the fingerprint 1 information, and the user identification is difficult at the primary, User authentication is handled using fingerprint2 information.
  • the financial transaction relay system 2 of the present invention simultaneously scans the fingerprint 2 and the fingerprint 1 from the fingerprint 2 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 in step S180.
  • the fingerprint 2 information and the fingerprint 1 information are provided to the financial transaction relay server 100.
  • step S182 the financial transaction relay server 100 recognizes the fingerprint 1 information and the fingerprint 2 information, and in step S184 determines whether the fingerprint 1 information is unique by comparing with the fingerprint 1 information stored in the database.
  • the procedure proceeds to step S188, and if not unique, that is, if the fingerprint1 information is the same or similar and the user identification is difficult, the fingerprint2 information stored in the database in step S186. 2 Compare with information to determine if it is unique.
  • step S188 the procedure goes to step S188 to process user authentication for firewall release and blocking.
  • step S192 the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated.
  • the electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
  • step S196 prevent the electronic transaction and electronic commerce from being processed. Disconnect the connection of 100).
  • FIG. 13 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple safety lock function using finger vein 1 authentication according to an embodiment of the present invention.
  • the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. .
  • the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
  • step S154 the customer terminal 200 obtains the finger vein 2 information and the finger vein 1 information through the finger vein 2 recognizer 210 and the finger vein 1 recognizer 220, and the finger vein 2 information through the communication network (4).
  • the financial transaction relay server 100 registers the finger vein 2 information and the finger vein 1 information corresponding to the customer terminal 200.
  • the financial transaction relay server 100 stores the finger vein 2 information and finger vein 1 information in the database.
  • step S156 the financial transaction relay server 100 first recognizes the finger vein 1 and determines whether it matches the finger vein 1 information stored in the database in step S158 to perform the electronic financial transaction and e-commerce. ) To authenticate the user.
  • the finger vein 2 is secondarily recognized in step S164, and it is determined whether or not it matches the finger vein 2 information stored in the database in step S166.
  • step S168 the procedure proceeds to step S168 to open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120 thirdly.
  • step S170 the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
  • step S158 and S166 if the financial transaction relay server 100 does not match any of the finger vein 2 information and the finger vein 1 information from the customer terminal 200, the process proceeds to step S172 and the electronic financial transaction and e-commerce. Block the connection of the financial transaction relay server 100 so as not to process.
  • FIG. 14 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple safety lock function for simultaneously scanning a finger vein 1 and a finger vein 2 according to another embodiment of the present invention to process user authentication. to be.
  • This embodiment is processed when the finger vein 1 information and the finger vein 2 information is the same or similar, it is processed when the user identification is difficult, if the primary user authentication is processed with the finger vein 1 information, if the user identification is difficult in the first Secondly, user authentication is processed using the vein 2 information.
  • the financial transaction relay system 2 of the present invention simultaneously designates the finger vein 2 and the finger from the finger vein 2 recognizer 210 and the finger vein 1 recognizer 220 of the customer terminal 200 in step S180. Scan the Mac 1 and provide the finger vein 2 information and finger vein 1 information to the financial transaction relay server 100.
  • step S182 the financial transaction relay server 100 recognizes the finger vein 1 information and the finger vein 2 information, and determines in step S184 whether the finger vein 1 information is unique compared to the finger vein 1 information stored in the database.
  • the procedure proceeds to step S188, and if it is not the only one, i.e., if the finger vein 1 information is the same or similar and the user identification is difficult, the finger vein 2 information is stored in the database in step S186. It is determined by comparing with the vein 2 information stored in the system.
  • step S188 the procedure goes to step S188 to process user authentication for firewall release and blocking.
  • step S192 the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated.
  • the electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
  • step S196 to relay the financial transaction so as not to process the electronic financial transaction and the electronic commerce.
  • the connection of the server 100 is blocked.
  • 15 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint1 authentication according to an embodiment of the present invention.
  • the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. .
  • the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
  • step S154 the customer terminal 200 obtains the finger vein 1 information and the fingerprint 1 information through the finger vein 1 recognizer 210 and the fingerprint 1 recognizer 220, and the finger vein 1 information and the fingerprint 1 through the communication network 4.
  • the financial transaction relay server 100 registers the finger vein 1 information and the fingerprint 1 information corresponding to the customer terminal 200.
  • the financial transaction relay server 100 stores the finger vein 1 information and fingerprint 1 information in the database.
  • step S156 the financial transaction relay server 100 first recognizes the fingerprint 1 and determines whether it matches the fingerprint 1 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
  • step S164 if the two pieces of information match, the finger vein 1 is secondarily recognized in step S164, and it is determined whether or not the finger vein 1 information stored in the database matches in step S166.
  • step S168 the procedure proceeds to step S168 to thirdly open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120.
  • step S170 the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
  • step S158 and S166 if the financial transaction relay server 100 does not match any of the finger vein 1 information and the fingerprint 1 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and e-commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.
  • FIG. 16 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 1 and a finger vein 1 according to another embodiment of the present invention.
  • This embodiment is processed when the fingerprint 1 information and the finger vein 1 information are the same or similar, so that the user identification is difficult, and the primary user authentication is performed with the fingerprint 1 information, By the way, user authentication is processed using finger vein 1 information.
  • the financial transaction relay system 2 of the present invention simultaneously designates the finger vein 1 and the fingerprint 1 from the finger vein 1 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 in step S180. Scan and provide the finger vein 1 information and fingerprint 1 information to the financial transaction relay server 100.
  • step S182 the financial transaction relay server 100 recognizes the fingerprint 1 information and the finger vein 1 information, and determines in step S184 whether the fingerprint 1 information is unique compared to the fingerprint 1 information stored in the database.
  • step S188 if the fingerprint1 information is unique, this procedure proceeds to step S188. If the fingerprint1 information is not unique, that is, if the fingerprint1 information is the same or similar and the user identification is difficult, then the finger vein1 information is stored in the database in step S186. Compare with the finger vein 1 information to determine if it is unique.
  • step S188 If the determination result indicates that the finger vein 1 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.
  • step S192 the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated.
  • the electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
  • step S196 prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce.
  • the connection of the 100 is cut off.
  • 17 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint 2 authentication according to an embodiment of the present invention.
  • the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. .
  • the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
  • step S154 the customer terminal 200 obtains the finger vein 2 information and the fingerprint 2 information through the finger vein recognizer 210 and the fingerprint 2 recognizer 220, and the finger vein 2 information and the fingerprint 2 through the communication network 4.
  • the financial transaction relay server 100 registers the finger vein 2 information and the fingerprint 2 information corresponding to the customer terminal 200.
  • the financial transaction relay server 100 stores the finger vein 2 information and fingerprint 2 information in the database.
  • step S156 the financial transaction relay server 100 first recognizes the fingerprint 2 and determines whether it matches the fingerprint 2 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
  • step S164 if the two pieces of information match, the finger vein 2 is secondarily recognized in step S164, and it is determined whether or not the finger vein 2 information stored in the database matches in step S166.
  • step S168 the procedure proceeds to step S168 to open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120 in a third step.
  • step S170 the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
  • step S158 and S166 if the financial transaction relay server 100 does not match any of the finger vein 2 information and the fingerprint 2 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and e-commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.
  • FIG. 18 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 2 and a finger vein 2 according to another embodiment of the present invention.
  • This embodiment is processed when the fingerprint 2 information and the finger vein 2 information are the same or similar, so that the user identification is difficult.
  • the vein 2 information By using the vein 2 information to process the user authentication.
  • the financial transaction relay system 2 of the present invention at the same time from the finger vein 2 recognizer 210 and the fingerprint 2 recognizer 220 of the customer terminal 200 at step S180 finger vein 2 and fingerprint 2 at the same time Scan and provide finger vein 2 information and fingerprint 2 information to the financial transaction relay server 100.
  • step S182 the financial transaction relay server 100 recognizes the fingerprint 2 information and the finger vein 2 information, and determines in step S184 whether the fingerprint 2 information is unique compared to the fingerprint 2 information stored in the database.
  • step S188 if the fingerprint 2 information is unique, this procedure proceeds to step S188, and if not unique, that is, if the fingerprint 2 information is the same or similar and the user identification is difficult, the finger vein 2 information is stored in the database in step S186. Compare with the finger vein 2 information to determine if it is unique.
  • step S188 the procedure goes to step S188 to process user authentication for firewall release and blocking.
  • step S192 the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated.
  • the electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
  • step S196 prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce.
  • the connection of the 100 is cut off.
  • 19 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint1 authentication according to an embodiment of the present invention.
  • the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. .
  • the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
  • step S154 the customer terminal 200 obtains the finger vein 2 information and the fingerprint 1 information through the finger vein recognizer 210 and the fingerprint 1 recognizer 220, and the finger vein 2 information and the fingerprint 1 through the communication network 4.
  • the financial transaction relay server 100 registers the finger vein 2 information and the fingerprint 1 information corresponding to the customer terminal 200.
  • the financial transaction relay server 100 stores the finger vein 2 information and fingerprint 1 information in the database.
  • step S156 the financial transaction relay server 100 first recognizes the fingerprint 1 and determines whether it matches the fingerprint 1 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
  • step S164 if the two pieces of information match, the finger vein 2 is secondarily recognized in step S164, and it is determined whether or not the finger vein 2 information stored in the database matches in step S166.
  • step S168 the procedure proceeds to step S168 to open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120 in a third step.
  • step S170 the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
  • step S158 and S166 if the financial transaction relay server 100 does not match any of the finger vein 2 information and the fingerprint 1 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and e-commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.
  • FIG. 20 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple safety lock function for simultaneously scanning a fingerprint 1 and a finger vein 2 according to another embodiment of the present invention.
  • This embodiment is processed when the fingerprint 1 information and the finger vein 2 information are the same or similar, and thus the user identification is difficult. If the primary user authentication is performed with the fingerprint 1 information, and the user identification is difficult at the primary, 2 By using the vein 2 information to process the user authentication.
  • the financial transaction relay system 2 of the present invention at the same time from the finger vein 2 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 at step S180 at the same time the finger vein 2 and fingerprint 1 Scan and provide finger vein 2 information and fingerprint 1 information to the financial transaction relay server 100.
  • step S182 the financial transaction relay server 100 recognizes the fingerprint 1 information and the finger vein 2 information, and determines in step S184 whether the fingerprint 1 information is unique compared to the fingerprint 1 information stored in the database.
  • step S188 if the fingerprint1 information is unique, this procedure proceeds to step S188, and if not unique, that is, if the fingerprint1 information is the same or similar and the user identification is difficult, the finger vein 2 information is stored in the database in step S186. Compare with the finger vein 2 information to determine if it is unique.
  • step S188 the procedure goes to step S188 to process user authentication for firewall release and blocking.
  • step S192 the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated.
  • the electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
  • step S196 prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce.
  • the connection of the 100 is cut off.
  • 21 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint 2 authentication according to an embodiment of the present invention.
  • the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. .
  • the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
  • step S154 the customer terminal 200 obtains the finger vein 1 information and the fingerprint 2 information through the finger vein 1 recognizer 210 and the fingerprint 2 recognizer 220, and the finger vein 1 information and the fingerprint 2 through the communication network 4.
  • the financial transaction relay server 100 registers the finger vein 1 information and the fingerprint 2 information corresponding to the customer terminal 200.
  • the financial transaction relay server 100 stores the finger vein 1 information and fingerprint 2 information in the database.
  • step S156 the financial transaction relay server 100 first recognizes the fingerprint 2 and determines whether it matches the fingerprint 2 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
  • step S164 the finger vein 1 is secondarily recognized in step S164, and it is discriminated whether or not the finger vein 1 information stored in the database matches in step S166.
  • step S168 the procedure proceeds to step S168 so that the firewall can be opened in the multiple security lock module 110 through the middleware approval processing unit 120 to open the database of the financial transaction relay server 100 in the third step.
  • step S170 the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
  • step S158 and S166 if the financial transaction relay server 100 does not match any of the finger vein 1 information and the fingerprint 2 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and electronic commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.
  • FIG. 22 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 2 and a finger vein 1 according to another embodiment of the present invention.
  • This embodiment is processed when the fingerprint 2 information and the finger vein 1 information are the same or similar, so that the user identification is difficult. If the primary user authentication is performed with the fingerprint 2 information, and the user identification is difficult at the primary, 2 By the way, user authentication is processed using finger vein 1 information.
  • the financial transaction relay system 2 of the present invention simultaneously designates the finger vein 1 and the fingerprint 2 from the finger vein 1 recognizer 210 and the fingerprint 2 recognizer 220 of the customer terminal 200 in step S180. Scan and provide finger vein 1 information and fingerprint 2 information to the financial transaction relay server 100.
  • step S182 the financial transaction relay server 100 recognizes the fingerprint 2 information and the finger vein 1 information, and in step S184 determines whether the fingerprint 2 information is unique by comparing with the fingerprint 2 information stored in the database.
  • step S188 if the fingerprint 2 information is unique, this procedure proceeds to step S188. If the fingerprint 2 information is not unique, that is, if the fingerprint 2 information is the same or similar and the user identification is difficult, then the finger vein 1 information is stored in the database in step S186. Compare with the finger vein 1 information to determine if it is unique.
  • step S188 If the determination result indicates that the finger vein 1 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.
  • step S192 the firewall is released to open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120, and in step S194, the financial transaction relay server 100 is not authenticated.
  • the electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
  • step S196 prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce.
  • the connection of the 100 is cut off.
  • the present invention can be implemented by the above six matrix methods, and thus, by combining two or more as human body information, it is possible to free from the fear of imitation or hacking, and technically errors of fingerprints and finger veins. It may be the only way to get rid of parts.
  • the error probability of one fingerprint is one hundredth of 100,000, it is reduced to 80% recognition rate, and if two conditions are used to satisfy the simultaneous condition, one-fourth of one hundred thousandths, corresponding to one-eighthsth squared, The results show the probability of covering the Earth's population, leading to the conclusion that no two identical fingerprints can be realistically present.
  • FIG. 23 is a diagram showing an example of the overall process of the authentication method using the authentication apparatus of the present invention.
  • FIG. 24 is a diagram showing images of fingerprints and finger veins for two fingers of the present invention. Fingerprint 1 and fingerprint 2, and finger vein 1 and finger vein 2 of the present invention is a matrix table that can represent the form of the combination.
  • the authentication target person places his / her finger on the object accommodating unit of the waiting authentication device.
  • the authentication method is a method of photographing the lower or / and side of the finger fingerprint surface and finger vein of one finger.
  • the infrared, visible line (S200) and finger vein (S210) of the finger fingerprint surface and the side of one finger are performed a total of two or three times while S210 alternates. do.
  • S200 and S210 are executed on the finger fingerprint surface of one finger, and then S200 and S210 are executed on the side of the same finger.
  • These finger vein and finger fingerprint images are converted into digital images.
  • control unit extracts the photographed fingerprint and the finger vein image (S220).
  • the finger fingerprint extracted from the finger fingerprint image as shown in FIG. It can be used as a corner image of the finger vein using the aforementioned Canny edge detection algorithm.
  • biometric data of the user stored in the biometric data store is compared with the fingerprint and finger vein image of the finger that has been acquired and imaged to determine the success of fingerprint and finger vein authentication upon matching. It is considered a failure.
  • the authentication result is displayed through the display unit. It may be a result indication accompanied by a voice.
  • the following describes a method of photographing two fingers.
  • the authentication target person places his / her finger on the object accommodating unit of the waiting authentication device.
  • the authentication method is a method of photographing the lower or / and the side of the finger fingerprint surface and finger vein of two fingers.
  • the infrared fingerprint (S200) and the finger vein, the fingerprint fingerprint (S210) of the finger fingerprint surface and the lower or side of the two fingers are carried out a total of 2-3 times while S210 alternates. do.
  • S200 and S210 are executed on the finger fingerprint surfaces of the two fingers
  • S200 and S210 are executed on the side surfaces of the same finger.
  • These finger vein and finger fingerprint images are converted into digital images.
  • any one of the lower side and the side may be omitted depending on the design.
  • the controller extracts the photographed fingerprint and the finger vein image (S220).
  • biometric data of the user stored in the biometric data store is compared with the fingerprint and finger vein image of the finger that has been acquired and imaged to determine the success of fingerprint and finger vein authentication upon matching. It is considered a failure.
  • the authentication result is displayed through the display unit. It may be a result indication accompanied by a voice.
  • the authentication device of the present invention can dramatically reduce false recognition rates, for example, by using a fingerprint image and finger vein data of a finger at the same time.
  • the figure showing the image of the fingerprint and finger vein for the two fingers of the present invention, the fingerprint 1 and fingerprint 2 and the finger vein 1 and finger vein 2 of the present invention is a combination of The matrix table which can represent the form is shown.
  • fingerprint 2 (250ar) and finger vein 1 (250bn) only two combinations can cover the number of people on the planet.
  • FIG. 26 is a block diagram showing a network configuration of an electronic payment system providing a fingerprint or / and finger vein payment service according to the hybrid web of the present invention.
  • FIG. 27 is a block diagram showing the configuration of a client client shown in FIG. Fig. 28 is a flowchart showing the processing procedure of the electronic payment system according to the hybrid web of the present invention.
  • FIG. 26 is a block diagram illustrating a network configuration of an electronic payment system that provides a fingerprint or / and a finger vein payment service according to the present invention.
  • the electronic payment system 2 using the fingerprint or / and finger vein recognition of the present invention recognizes the fingerprint or / and finger vein to replace the credit card payment of the customers so that payment is made or
  • the customer's identity is processed so that payment is made through fingerprint or / and finger vein authentication.
  • the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint or / and finger vein payment service server 100, a plurality of customer clients 200, a credit card company server 300 and a plurality of services. Two merchant clients 400.
  • Fingerprint or / and finger vein payment service server 100 registers the fingerprint or / and finger vein information of the customer from the client client 200, fingerprint or / and finger vein to authenticate the fingerprint and / or finger vein information at the time of payment / And the finger vein payment hybrid web 110, through which the customer electronic 200, the merchant client 400 and the credit card company server 300 to process the mutual electronic payment is made through the communication network (10). .
  • the client client 200 is provided as a portable mobile terminal such as, for example, a smartphone or a tablet computer, and includes a fingerprint or / and a finger vein recognizer to register or authenticate a fingerprint or / or finger vein information of the client. 210.
  • the fingerprint or / and finger vein recognizer 210 is provided in the form of a module inside the customer client 200, it may be provided as a removable device detachable from the customer client 200.
  • the client client 200 accesses the fingerprint or / and finger vein payment service server 100 through the communication network 10 to access the fingerprint or / and finger vein payment hybrid web 110.
  • the client client 200 activates a fingerprint or / and finger vein payment app (202 of FIG. 12) to scan his fingerprint or / and finger vein information through the fingerprint or / and finger vein recognizer 210, Providing the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to be replaced by the customer's own credit card, for example, a virtual payment credit card, Register by matching with a virtual payment account.
  • the fingerprint or / and finger vein information of the customer client 200 registered in the fingerprint or / and finger vein payment service server 100 is the identification of the issued credit card, debit card, check card and transaction account information of the customer And for confirmation.
  • Credit card company server 300 issuing a virtual payment means corresponding to the fingerprint or / and finger vein information of the client client 200, by using the fingerprint or / and finger vein information to determine whether the payment approval fingerprint or / and Provides the determination result to the finger vein payment service server (100).
  • the credit card company server 300 is a fingerprint or / and fingerprint of the client client 200 for identification and verification of other payment means corresponding to the client client 200, for example credit card, debit card, check card and transaction account information Finger vein information is available.
  • the affiliated client client 400 is a terminal provided in an affiliated store that sells a product or a service through an on-off line.
  • the affiliated client client 400 is provided as a POS terminal, a personal computer, or the like.
  • Merchant client 400 has a fingerprint or / and finger vein recognizer 410 for recognizing the fingerprint and / and finger vein information of the customer.
  • Merchant client 400 is a customer after the customer of the client 200 purchases goods or services in the merchant, the payment is made, through the fingerprint or / and finger vein recognizer 410 the fingerprint or / and finger vein information of the customer Scan and transmit the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to request payment approval.
  • the merchant client 400 checks the payment approval through the fingerprint or / and finger vein payment service server 100 when the payment for the corresponding payment is approved from the credit card company server 300 (or another payment system). .
  • FIG. 27 is a block diagram showing the configuration of the customer client shown in FIG.
  • the customer client 200 of this embodiment is equipped with a smartphone and connects to the fingerprint or / and finger vein payment hybrid web 202.
  • the fingerprint or / and finger vein payment hybrid web 202 may access the fingerprint or / and finger vein payment service server 100 through a communication network.
  • the smartphone 200 activates the fingerprint or / and finger vein payment app 202 to register the fingerprint or / and finger vein information of the customer on the fingerprint or / and finger vein payment service server 100.
  • the smartphone 200 is attached to the fingerprint or / and finger vein recognizer (210). This removes the financial burden of the customer purchasing the fingerprint or / and the finger vein recognizer 210, and actively encourages the use of the fingerprint or / and the finger vein payment hybrid web 202. And providing a fingerprint or / and finger vein recognizer 210 at a commerce site by a service company, a merchant, or a credit card company of the finger vein payment service server 100 to register and use a payment method using a fingerprint or / and finger vein. , Mounted on the smartphone 200, is provided in a detachable form.
  • the fingerprint or / and the finger vein recognizer 210 acquires finger vein information to project the near-infrared rays to the vein of the finger which is easy to use among the blood vessels of the customer to recognize the hemoglobin pattern of the vein to authenticate the customer. That is, the vein of the finger absorbs near infrared light and the portion other than the vein transmits near infrared light, irradiating the near infrared to the finger and photographing the finger by a scanner having a near infrared sensitivity, for example, an infrared camera. By taking an image, the vein pattern can be extracted and used for personal authentication.
  • the fingerprint or / and the finger vein recognizer 210 controls the overall operation of the fingerprint or / and the finger vein recognizer 210, and acquires fingerprint or / and finger vein information by scanning a finger of a customer.
  • the scanner 214 a memory 216 storing fingerprint and / or finger vein information obtained from the scanner 214, the fingerprint or / and finger vein information scanned from the scanner 214, or displaying a fingerprint or / and designation.
  • LCD 218 for displaying the process of the Mac recognizer 210, and an interface module connected to the smart phone 200 to provide a fingerprint or / and finger vein information obtained from the scanner 214 to the smart phone 200 220.
  • the fingerprint or / and the finger vein recognizer 210 when acquiring fingerprint or / and finger vein information from the scanner 214, the temperature sensor 222 for detecting the temperature of the finger and the blood flow sensor for recognizing blood flowing through the finger 224 is further provided.
  • the temperature sensor 222 and the blood flow sensor 224 may, for example, use fingerprints and / or designations to compensate for and solve the problem of scanning fingerprint or / and finger vein information using only another person's finger for a certain time.
  • the MAC recognizer 210 recognizes the temperature of the finger and the flow of blood flow together with the fingerprint or / and finger vein information obtained from the scanner 214, and if it is determined that there is no abnormality, the fingerprint or / and acquired from the scanner 214. Processes to provide finger vein information to the smartphone (200).
  • the configuration of the fingerprint or / and the finger vein recognizer 210 is provided to have a substantially similar or identical configuration to the fingerprint or / and the finger vein recognizer 410 of the merchant client 400. Therefore, the description of the specific configuration or function of the fingerprint or / and finger vein recognizer 410 of the merchant client 400 will be omitted here.
  • This procedure is a program processed by the fingerprint or / and finger vein payment service server 100 according to the present invention, the program is linked to the fingerprint or / and finger vein payment hybrid web, fingerprint or / and finger vein payment service It is stored in a storage unit (not shown) of the server 100 and installed in the customer client 200.
  • the fingerprint or / and finger vein payment hybrid web 110 is processed by the customer client 200, merchant client 400, credit card company server 300 and the fingerprint or / and finger vein payment service server 100 is interconnected do.
  • the electronic payment system 2 of the present invention provides the fingerprint or / and finger vein payment hybrid web 110 to the fingerprint or / and finger vein payment service server 100 in step S150.
  • the client client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10, and is connected to the fingerprint or / and finger vein payment hybrid web 110.
  • step S154 the client client 200 activates the installed fingerprint or / and finger vein payment hybrid web 202 and acquires his or her own fingerprint or / and finger vein information through the fingerprint or / and finger vein recognizer 210. Then, the obtained fingerprint or / and finger vein information is provided to the fingerprint or / and finger vein payment service server 100 through the communication network (10).
  • the fingerprint or / and finger vein payment service server 100 stores and registers the fingerprint or / and finger vein information provided from the client client 200 in the database 120. At this time, the fingerprint or / and finger vein payment service server 100 transmits the fingerprint or / and finger vein information to the credit card company server 300 through the communication network (10).
  • step S158 the credit card company server 300 registers the fingerprint or / and finger vein information transmitted from the finger vein payment service server 100 by matching the payment means of the customer registered in the credit card company server 300 Or, correspond to the credit card, debit card, check card and transaction account issued from the credit card company server 300 to register and match. Therefore, through the above-described step S150 to step S158, the customer client 200 is registered to enable the electronic payment processing for the fingerprint or / and finger vein information.
  • step S160 When the transaction occurs in the affiliated store in step S160, the fingerprint or / and finger vein information of the customer from the fingerprint or / and finger vein recognizer 410 of the merchant client 400, the fingerprint or / and finger vein information in step S162 And payment information is sent to the fingerprint or / and finger vein payment service server 100 to request payment approval according to the commerce.
  • the fingerprint or / and finger vein payment service server 100 compares and analyzes the fingerprint or / and finger vein information transmitted from the affiliate client 400 with the fingerprint or / and finger vein information registered in the database 120. To determine the authentication status of the customer. As a result of the determination, when the two fingerprints and / or finger vein information match, in step S166, the fingerprint or / and finger vein payment service server 100 approves the payment to the credit card company server 300 so that the payment is made by the customer's payment means. If the request, and the determination result, the two fingerprints and / and finger vein information does not match, the merchant client 400 informs the reason for rejection and rejection, and the like.
  • step S168 if the credit card company server 300 is approved through the payment means corresponding to the fingerprint or / and finger vein information requested for payment, the merchant client 400 and the fingerprint or / and finger vein payment service server 100 To confirm that the payment was approved.
  • the fingerprint or / and finger vein payment service server 100 transmits a payment approval result to the client client 200, in step S172, the affiliated client client 400 confirms that the payment is approved, and then, in step S174, the client client 200 confirms that payment has been approved.
  • the electronic payment system (2) using the fingerprint or / and finger vein authentication of the present invention registers the fingerprint or / and finger vein information of the customer to the fingerprint or / and finger vein payment service server 100, through which the merchant client When the commerce occurs from 400, the fingerprint or / and the finger vein information is determined to process the payment is made through the payment means matched to the fingerprint or / and finger vein information of the customer.
  • 29 shows an example of an internal electronic configuration of the fingerprint or / and finger vein imaging authentication device 1200 according to an embodiment of the present invention.
  • Integrated photographing authentication device (recognizer) 1200 of the present invention is an infrared light source 1240, finger vein image sensor 1230, finger fingerprint image sensor 1220, digital converter 1290, decryption algorithm unit 1260, It includes a male and female identification processor 1265, a biological information data storage 1270 and a display unit 1280.
  • 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 accommodating unit.
  • it can be composed of one or more LEDs that emit infrared light of 630 ⁇ 1,000nm wavelength suitable for imaging the finger vein image.
  • an optical filter may be installed to remove optical noise.
  • the visible light source part 1242 irradiates visible light toward the object accommodating part. It can be composed of one or more LEDs by emitting ultraviolet light of a wavelength suitable for capturing the fingerprint of the finger surface.
  • one infrared light source unit 1240 and one visible light source unit 1242 may be provided to irradiate infrared light and visible light toward the object receiving unit.
  • the infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object receiving unit 1101 so that the infrared and visible lines reach the object evenly, thereby optimizing for image acquisition.
  • the finger vein image sensor 1220, 1230 obtains a finger vein image for one finger object at the bottom and side.
  • the finger vein image sensor 1230 obtains the finger vein image of the fingerprint surface and the side for one finger object.
  • the image When shooting the front image of the finger object, the image is placed so that the finger fingerprint surface of the finger touches the scanning panel, and according to the number of finger vein image sensors 1220 and 1230, the side of the finger is rolled 90 degrees to the side. Touch this scan panel.
  • the photographing order of the finger fingerprint surface and the side of the finger may be interchanged.
  • the digital converter 1290 receives both the fingerprint or / and the finger vein image and the finger fingerprint image and extracts the finger vein and the finger fingerprint image.
  • the digital conversion unit 1250 the present invention obtains the finger vein and finger fingerprint image file for the finger.
  • the controller 1210 allows the image files converted by the digital converter 1290 to be delivered to the matching algorithm unit 1260.
  • the male and female identification processing unit 1265 performs a function of dividing and registering male information as "1" and female information as "2" during simultaneous authentication of the fingerprint and the finger vein.
  • the biometric data storage 1270 stores biometric information of a user stored in advance.
  • the biometric data store 1270 may be built in an internal memory of the authentication device 1200.
  • the biometric data store 1270 may use a crypto-processor that can be protected from external hardware, software attacks or theft.
  • the matching algorithm unit 1260 acquires user data stored in the biometric data storage 1270 and then determines whether the matching algorithm 1260 matches the user biometric information obtained by the digital converter 1290. If it matches, the success message may be output through the display unit 1280. If the decryption fails, the authentication failure message may be output to the display unit 1280.
  • the controller 1210 controls the operation and function of the authentication device 1200.
  • FIG. 30 the embodiment of the authentication process of the authentication apparatus of the present invention is rearranged as shown in FIG. 30.
  • FIG. 30 is a flowchart illustrating a processing procedure of gender identification information corresponding to FIG. 29 of the present invention.
  • the authentication target person places his / her finger on the object accommodating unit of the waiting authentication device.
  • the authentication method is a method of photographing the lower or / and side of the finger fingerprint surface and finger vein of one finger.
  • the infrared, visible line (S200) and finger vein (S210) of the finger fingerprint surface and the side of one finger are performed a total of two or three times while S210 alternates. do.
  • S200 and S210 are executed on the finger fingerprint surface of one finger, and then S200 and S210 are executed on the side of the same finger.
  • These finger vein and finger fingerprint images are converted into digital images.
  • the male and female identification information processing unit 265 registers the male and female customer information by dividing the male into “1” and the female into “2”.
  • the probability of misrecognition of the present invention can be reduced to 1/2.
  • the customer information is entered in the case where the client client registers as a member by activating a fingerprint or / and finger vein payment app or a hybrid web, for example, contact information such as name, gender, authenticated mobile phone number, and secret. Include numbers, email addresses, and more.
  • the controller extracts the photographed fingerprint and the finger vein image (S220).
  • the male and female customer information registered in the male and female identification processing unit 265 is classified into "1" for a man and "2" for a woman to determine the information.
  • step S230 the biometric data of the user stored in the biometric data store is acquired "now” and compared with the fingerprint and the finger vein image of the processed finger to determine the success of fingerprint and finger vein authentication, If it fails, it is considered as an authentication failure.
  • the authentication result is displayed through the display unit. It may be a result indication accompanied by a voice.
  • the authentication device of the present invention dramatically reduces the false recognition rate by authenticating by using the fingerprint image and finger vein data of the finger at the same time.
  • This technology can be applied by developing the technology that can be miniaturized to the mobile that we use the most, and it is equivalent to the cost of fingerprint reader, so it can be used for the equipment that needs security universally. It is a condition.

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Abstract

The present invention provides an electronic payment system using fingerprint and/or finger vein recognition, the system comprising: a communication network; a user client connected to the communication network and for obtaining first fingerprint and/or finger vein information of a user; a member store client connected to the communication network and for obtaining second fingerprint and/or finger vein information of the user of the user client when commerce is conducted; and a payment service server for receiving, by means of the communication network, the first fingerprint and/or finger vein information from the user client, registering same in correspondence with a payment means and, if the second fingerprint and/or finger vein information is transmitted from the member store client, comparing the first and second fingerprint and/or finger vein information, authenticating the user, and processing such that payment is made by means of the payment means that corresponds to the first fingerprint and/or finger vein information.

Description

지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템 및 그 처리방법Electronic payment system using fingerprint or / and finger vein recognition and its processing method
본 발명은 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템에 관한 것으로, 좀 더 구체적으로 지문 또는/및 지정맥 인식을 이용하여 신용 카드 결제 방식을 대체하기 위한 메트릭스 조합에 의한 전자 결제 시스템 및 그 처리방법에 관한 것이다.The present invention relates to an electronic payment system using fingerprints and / or finger vein recognition, and more particularly, to an electronic payment system using a combination of metrics for replacing a credit card payment method using fingerprints and / or finger vein recognition. It relates to a treatment method.
본 발명은 본 출원인이 출원한 특허등록 제10-1616266호, 국제특허분류 G06Q 20/40 및 특허출원 제10-2016-46135호에 관한 기술로서, 소형 이미지센서에 의한 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템 및 그 방법에 관한 것이다.The present invention relates to patent registration No. 10-1616266, International Patent Classification G06Q 20/40 and Patent Application No. 10-2016-46135 filed by the present applicant, the fingerprint or / and finger vein recognition by a small image sensor It relates to an electronic payment system and a method thereof.
생체 인식 기술은 생체 정보를 이용하여 개인의 신원을 확인하거나 식별하는 기술을 말한다. 현재까지의 생체 인식 기술에는 지문, 얼굴, 홍채 또는 목소리 등을 이용하여 개인 신원을 식별하여 왔다.Biometric technology refers to a technology for identifying or identifying an individual using biometric information. Until now, biometric technology has been used to identify an individual's identity using fingerprint, face, iris or voice.
지문 인식 기술은 인식 장치가 작고, 저렴하게 대량 생산이 가능하다. 또한 인식의 정확성과 신속성의 측면에서도 비교적 좋은 성능을 보인다. 그러나 지문은 신체 밖으로 드러나 있어 도난당하기 쉽고 땀 등에 의해 변형될 가능성이 있어 인식 성능에 영향을 미칠 수 있다. 또한 위생상의 문제점도 존재한다. 홍채 인식 기술은 인식 오류가 날 가능성이 거의 없고 위조도 어렵다는 점에서 가장 신뢰할 수 있는 생체 인식 기술이다. 그러나 대부분의 사람이 홍채 인식을 위해 눈에 직접 빛을 비추기를 꺼리며, 홍채 인식 장치는 크기가 크며 고가라는 단점이 있다. 얼굴 또는 목소리 인식 기술은 신원 인식을 하는 데에 있어서 가장 자연스러운형태의 생체 정보라는 장점을 가진다. 그러나 인식의 정확성 측면에서 다른 기술에 비해서 그 정확성이 떨어지는 단점을 가진다.Fingerprint recognition technology is small in size and can be mass produced at low cost. It also shows relatively good performance in terms of recognition accuracy and speed. However, fingerprints are exposed outside of the body and are easy to be stolen and may be deformed by sweat, which can affect recognition performance. There are also hygiene problems. Iris recognition technology is the most reliable biometric technology in that there is little possibility of recognition error and forgery is difficult. However, most people are reluctant to shine light directly on their eyes for iris recognition, and iris recognition devices are large and expensive. Face or voice recognition technology has the advantage of being the most natural form of biometric information for identity recognition. However, it has a disadvantage in that the accuracy is lower than other techniques in terms of accuracy of recognition.
상술한 생체 인식 기술들의 단점들을 보완 및 해소하기 위하여, 현재에는 지정맥 인식 기술이 개발되어 있는 실정이다. 지정맥 인식 기술이란 적외선을 통해 취득한 지정맥 패턴 영상을 이용하여 개인을 식별하는 기술을 말한다. 인간의 정맥은 피부 바로 밑에 복잡한 형태를 가지고 위치하며, 여러 연구에 따르면 정맥의 패턴은 개개인에 따라 모두 다르며 나이를 먹어도 그 패턴이 변화하지 않는 것으로 알려져 있다. 지정맥 인식 기술은 다음과 같은 장점을 갖는다. 즉, 정맥은 신체 내부에 존재하므로 도난 또는 위조의 위험이 거의 없고, 손가락 표면의 상태가 인식에 아무런 영향을 끼치지 않는다. 또 적외선을 이용하여 사용자의 편의성이 높은 비접촉식 장치를 구성할 수 있으며, 지정맥 패턴은 안정적이고 비교적 명확하게 찾을 수 있으므로, 작고 이미지 프로세싱이 간단한 지정맥 영상을 획득하기 위하여 해상도가 낮은 카메라를 사용할 수 있다. 즉, 지정맥 인식 기술은 보안성과 편의성의 측면에서 균형 잡힌 성능을 제공할 수 있다.In order to supplement and solve the shortcomings of the above-described biometric recognition technology, finger vein recognition technology is currently developed. Finger vein recognition technology refers to a technique for identifying an individual using finger vein pattern images acquired through infrared. Human veins are located underneath the skin and have complex shapes, and studies have shown that vein patterns vary from person to person and do not change with age. Finger vein recognition technology has the following advantages. That is, since the vein is inside the body, there is little risk of theft or forgery, and the condition of the finger surface does not affect recognition. In addition, it is possible to construct a non-contact device with high user convenience by using infrared rays, and the finger vein pattern can be found stably and relatively clearly, so that a low resolution camera can be used to acquire a small, simple image processing finger vein image. have. In other words, finger vein recognition technology can provide balanced performance in terms of security and convenience.
이러한 장점들로 인해 최근 지정맥 인식 기술은 지문, 홍채, 얼굴 및 목소리 인식 기술에 비해서 위조 변조가 어려워 보다 안전성이 높은 생체 인증장치를 구현 가능하고, 소형화가 가능하므로, 다양한 분야에의 응용이 기대되고 있다.Due to these advantages, finger vein recognition technology is more difficult to counterfeit than fingerprint, iris, face, and voice recognition technology, enabling a more secure biometric authentication device and miniaturization. It is becoming.
그리고, 지금까기는 오로지 지정맥의 영상은 손가락의 크기에 따라 대형의 이미지 센서에 의해서만 촬영이 가능하기 때문에 상기 이미지 센서의 렌즈 등의 고가 부품을 사용하거나 더구나 정밀도가 높아야만 소정을 목적을 달성할 수 있는 것이어서, 지정맥 기술이 보편화되지 못하고 있었던 것이다.And, until now, only the image of the finger vein can be taken only by a large image sensor according to the size of the finger, so that expensive parts, such as the lens of the image sensor, or higher precision, may not be able to achieve a predetermined purpose. As it can, finger vein technology has not been universal.
(특허문헌 1) 대한민국 등록특허공보 제10-0954776호(공고 2010년04월 28일)(Patent Document 1) Republic of Korea Patent Publication No. 10-0954776 (announced April 28, 2010)
(특허문헌 2) 대한민국 등록특허공보 제10-1050301호(공고 2011년 07월 19일)(Patent Document 2) Republic of Korea Patent Publication No. 10-1050301 (announced July 19, 2011)
(특허문헌 3) 대한민국 공개특허공보 제10-1025666호(공고 2011년 03월 30일)(Patent Document 3) Korean Unexamined Patent Publication No. 10-1025666 (announced March 30, 2011)
(특허문헌 4) 대한민국 공개특허공보 제10-1210750호(공고 2012년 12월 10일)(Patent Document 4) Korean Unexamined Patent Publication No. 10-1210750 (Notice Dec. 10, 2012)
본 발명의 목적은 신용 카드 결제 방식을 대체하기 위해 지정맥 인식을 이용한 전자 결제 시스템 및 그 방법을 제공하는 것이다.An object of the present invention is to provide an electronic payment system and method using finger vein recognition to replace the credit card payment method.
본 발명의 다른 목적은 지정맥 인식을 이용한 전자 결제 시, 손가락의 온도, 혈류 흐름을 보완 인식하는 전자 결제 시스템 및 그 방법을 제공하는 것이다.Another object of the present invention to provide an electronic payment system and method for complementary recognition of the temperature of the finger, blood flow during electronic payment using finger vein recognition.
본 발명의 또 다른 목적은 모바일 어플리케이션을 통해 지정맥 인식을 이용한 전자 결제 시스템 및 그 방법을 제공하는 것이다.Still another object of the present invention is to provide an electronic payment system and method using finger vein recognition through a mobile application.
본 발명의 또 다른 목적은 지문 및 지정맥을 인식하는 장치를 개발하여 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템 및 그 방법을 제공하는 것이다.Still another object of the present invention is to develop an apparatus for recognizing a fingerprint and a finger vein, and to provide an electronic payment system and method using fingerprint or / and finger vein recognition.
지금까기는 오로지 지정맥의 영상은 손가락 크기에 맞는 대형 이미지 센서에 의해서만 촬영이 가능하다는 기본 관념에서 벗어나지 못한 실정에서, 본 발명은 지정맥의 인식부분에 거리를 짧게 하여 인식기의 소형화를 개발하여야 하는 필요성이 있었다.Until now, only the image of finger vein can be taken only by a large image sensor that fits the size of the finger. In this situation, the present invention has to shorten the distance to the recognition part of the finger vein and develop a miniaturized recognizer. There was a need.
즉, 기술적으로 보아 지문과 지정맥을 인식하는 인식기의 소형화에 있어서, 가시광선의 경우는 손가락 표면상의 지문이 인식할 수 있게 되어 있고, 적외선을 손가락에 투시할 경우에는 정맥의 패턴이 나타나 이를 인식하도록 할 수 있으나, 여기에 다수개의 이미지센서를 소형으로 제작하여 촬영거리를 단축함으로써 전체 기기의 소형화로 제작할 필요가 있었다.That is, technically, in the miniaturization of the recognizer that recognizes the fingerprint and the finger vein, the fingerprint on the finger surface can recognize the visible light, and when the infrared light is projected on the finger, the vein pattern appears to recognize it. However, it was necessary to manufacture a miniaturization of the whole device by shortening the shooting distance by making a plurality of image sensors to a small size here.
상기 목적들을 달성하기 위한, 본 발명의 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템은 모바일 어플리케이션을 통해 신용 카드 결제를 대체하도록 하는 데 그 한 특징이 있다. In order to achieve the above objects, the electronic payment system using the fingerprint or / and finger vein recognition of the present invention is characterized in that to replace the credit card payment through a mobile application.
이와 같은 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템은 신용카드 등의 전자 결제 시, 보안성과 편의성을 제공할 수 있다.Such an electronic payment system using fingerprints and / or finger vein recognition can provide security and convenience when making electronic payments such as credit cards.
본 발명은 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템에 있어서: 통신망과; 상기 통신망에 연결되고, 고객 자신의 제1 지문 또는/및 지정맥 정보를 획득하는 고객 클라이언트와; 상기 통신망에 연결되고, 상거래 발생 시, 상기 고객 클라이언트의 상기 고객에 대한 제2 지문 또는/및 지정맥 정보를 획득하는 가맹점 클라이언트 및; 상기 통신망을 통하여 상기 고객 클라이언트로부터 제1 지문 또는/및 지정맥 정보를 받아서 결제 수단에 대응시켜 등록하고, 상기 가맹점 클라이언트로부터 제2 지문 또는/및 지정맥 정보가 전송되면, 제1 및 제2 지문 또는/및 지정맥 정보를 비교하여, 상기 고객을 인증 처리하고, 제1 지문 또는/및 지정맥 정보에 대응되는 상기 결제 수단을 통해 결제가 이루어지도록 처리하는 결제 서비스 서버를 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제시스템이다.The present invention provides an electronic payment system using fingerprints and / or finger vein recognition, comprising: a communication network; A customer client connected to the communication network and acquiring a first fingerprint or / and finger vein information of the customer; An affiliated client connected to the communication network and acquiring a second fingerprint or / and finger vein information for the customer of the customer client when a commerce occurs; Receiving and registering a first fingerprint or / and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint or / and finger vein information is transmitted from the merchant client, the first and second fingerprints Or / and comparing the finger vein information, the payment service server for processing the authentication to the customer, the payment is made through the payment means corresponding to the first fingerprint or / and the finger vein information, characterized in that it comprises a Electronic payment system using fingerprint or / and finger vein recognition.
그리고, 본 발명에 있어서, 상기 전자 결제 시스템은, 상기 결제 수단이 신용 카드에 대응되는 수단인 경우, 상기 고객이 인증되면, 상기 결제 수단으로부터 결제가 이루어지도록 승인 처리하는 신용카드사서버를 더 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템이다.And, in the present invention, the electronic payment system, if the payment means is a means corresponding to a credit card, if the customer is authenticated, further comprises a credit card company server for processing the authorization to be made from the payment means; It is an electronic payment system using a fingerprint or / and finger vein recognition.
그리고, 본 발명에 있어서, 상기 고객 클라이언트는 제1 지문 또는/및 지정맥 정보를 획득하는 제1 지문 또는/및 지정맥 인식기를 구비하고, 상기 가맹점 클라이언트는 제2 지문 또는/및 지정맥 정보를 획득하는 제2 지문 또는/및 지정맥 인식기를 구비하되; 상기 제1 또는 상기 제2 지문 또는/및 지정맥 인식기는; 상기 고객의 손가락을 스캐닝하여 제1 또는 제2 지문 또는/및 지정맥 정보를 획득하는 스캐너와; 상기 스캐너로부터 획득된 제1 또는 제2 지문 또는/및 지정맥 정보를 저장하는 메모리와; 상기 스캐너로부터 스캐닝된 제1 또는 제2 지문 또는/및 지정맥 정보를 표시하거나 상기 제1 또는 상기 제2 지문 또는/및 지정맥 인식기의 동작 상태를 표시하는 LCD와; 상기 고객 클라이언트 또는 상기 가맹점 클라이언트와 연결되어 상기 스캐너로부터 획득된 제1 또는 제2 지문 또는/및 지정맥 정보를 상기 고객 클라이언트 또는 상기 가맹점 클라이언트로 제공하는 인터페이스 모듈 및; 상기 제1 또는 상기 제2 지문 또는/및 지정맥 인식기의 제반 동작을 제어하는 컨트롤러를 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템이다. And, in the present invention, the customer client has a first fingerprint or / and finger vein recognizer to obtain a first fingerprint and / and finger vein information, the merchant client is a second fingerprint or / and finger vein information Having a second fingerprint or / and a finger vein recognizer; The first or second fingerprint or / and finger vein recognizer; A scanner for scanning a finger of the customer to obtain first or second fingerprint or / and finger vein information; A memory for storing first or second fingerprint and / or finger vein information obtained from the scanner; An LCD for displaying first or second fingerprint and / or finger vein information scanned from the scanner, or for displaying an operation state of the first or second fingerprint and / or finger vein recognizer; An interface module connected to the client client or the merchant client and providing the first client or the second fingerprint and / or finger vein information obtained from the scanner to the client client or the merchant client; And a controller for controlling all operations of the first or second fingerprint and / or finger vein recognizer.
그리고, 본 발명에 있어서, 상기 고객 클라이언트는 제1 지문 또는/및 지정맥 정보를 획득하는 제1 지문 또는/및 지정맥 인식기를 구비하고, 상기 가맹점 클라이언트는 제2 지문 또는/및 지정맥 정보를 획득하는 제2 지문 또는/및 지정맥 인식기를 구비하되; 상기 제1 또는 상기 제2 지문 또는/및 지정맥 인식기로서의 오브젝트 수용부(201) 내의 스캔패널(250)은 지문손가락접촉부(250a)와 지정맥손가락비접촉부(250b)가 전후로 단을 이루면서 형성하되, 상기 스캔패널(250)의 지정맥손가락비접촉부(250b)에는 지정맥을 촬영하는 이미지센서(230)가 하부에서 안착될 수 있는 홈으로 형성될 수 있도록 주위에 홈측벽(251)을 형성하고, 그 주위 상단테두리로 손가락을 얹어 놓을 수 있는 손가락안착부(252)에 형성된 지문손가락접촉부(250a)와 지정맥손가락비접촉부(250b)가 나란히 2개의 손가락을 인증할 수 있도록 2줄로 형성되어 있되, 상기 지문과 지정맥을 동시에 인증하는 인식기는 1) 지문1(250an)과 지문2(250ar), 2) 지정맥1(250bn)과 지정맥2(250br), 3) 지문1(250an)과 지정맥1(250bn), 4) 지문2(250ar)와 지정맥2(250br), 5) 지문1(250an)과 지정맥2(250br), 6) 지문2(250ar)와 지정맥1(250bn) 중에서 어느 하나를 택일적으로 선택되어 인증하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템이다.And, in the present invention, the customer client has a first fingerprint or / and finger vein recognizer to obtain a first fingerprint and / and finger vein information, the merchant client is a second fingerprint or / and finger vein information Having a second fingerprint or / and a finger vein recognizer; The scan panel 250 in the object accommodating part 201 as the first or second fingerprint or / or finger vein recognizer is formed while the fingerprint finger contact part 250a and the fingerless finger contact part 250b are formed in a step forward and backward. In the finger vein non-contact portion 250b of the scan panel 250, a groove side wall 251 is formed around the image sensor 230 for photographing the finger vein to be formed as a groove that can be seated at the bottom. The fingerprint finger contact portion 250a and the finger vein contact portion 250b formed on the finger seating portion 252, which can place a finger on the upper edge of the circumference thereof, are formed in two lines so as to authenticate two fingers side by side. Recognizing the fingerprint and finger vein at the same time, 1) fingerprint 1 (250an) and fingerprint 2 (250ar), 2) finger vein 1 (250bn) and finger vein 2 (250br), 3) fingerprint 1 (250an) and Finger vein 1 (250bn), 4) Fingerprint 2 (250ar) and Finger vein 2 (250br), 5) Fingerprint 1 (250an) and designation 2 (250br), 6) the print 2 (250ar) and vein 1 (250bn) using any one of the alternative is selected, fingerprint authentication and / or the finger vein recognition, which is characterized in that in the electronic payment system.
그리고, 본 발명은 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법에 있어서: 상기 전자 결제 시스템의 지문 또는/및 지정맥 결제 서비스 서버에 지문 또는/및 지정맥 결제 앱을 제공하고, 고객 클라이언트가 통신망을 통하여 상기 지문 또는/및 지정맥 결제 서비스 서버에 접속하고, 상기 지문 또는/및 지정맥 결제 앱을 다운로드 받아서 내부에 설치하는 단계와; 상기 고객 클라이언트가 설치된 상기 지문 또는/및 지정맥 결제 앱을 활성화시키고, 상기 고객 클라이언트의 제1 지문 또는/및 지정맥 인식기를 통해 고객 자신의 제1 지문 또는/및 지정맥 정보를 획득하고, 획득된 제1 지문 또는/및 지정맥 정보를 상기 통신망을 통해 상기 지문 또는/및 지정맥 결제 서비스 서버로 제공하는 단계와; 상기 지문 또는/및 지정맥 결제 서비스 서버가 상기 고객 클라이언트로부터 제공된 제1 지문 또는/및 지정맥 정보를 데이터베이스에 저장 등록하고, 상기 통신망을 통해 제1 지문 또는/및 지정맥 정보를 신용카드사 서버로 전송하는 단계와; 상기 신용카드사 서버가 상기 지문 또는/및 지정맥 결제 서비스 서버로부터 전송된 제1 지문 또는/및 지정맥 정보를 등록된 고객의 결제 수단에 매칭시켜서 등록하는 단계와; 가맹점에서 상거래가 발생되어 상기 통신망에 연결된 가맹점 클라이언트의 제2 지문 또는/및 지정맥 인식기로부터 고객의 제2 지문 또는/및 지정맥 정보를 인식하고, 제2 지문 또는/및 지정맥 정보와 상거래 발생에 따른 결제 정보를 상기 지문 또는/및 지정맥 결제 서비스 서버로 전송하여 결제승인을 요청하는 단계와; 상기 지문 또는/및 지정맥 결제 서비스 서버가 상기 가맹점 클라이언트로부터 전송된 제2 지문 또는/및 지정맥 정보를 상기 데이터베이스에 등록된 제1 지문 또는/및 지정맥 정보와 비교, 분석하여 고객 인증을 판별하는 단계와; 판별 결과, 제1 및 제2 지문 또는/및 지정맥 정보가 일치하면, 상기 지문 또는/및 지정맥 결제 서비스서버가 제1 지문 또는/및 지정맥 정보에 매칭된 고객의 결제 수단으로 결제가 이루어지도록 상기 신용카드사 서버로 결제 승인을 요청하는 단계를 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법이다.In addition, the present invention provides a method for processing an electronic payment system using fingerprint or / and finger vein recognition: providing a fingerprint or / and finger vein payment app to a fingerprint or / and finger vein payment service server of the electronic payment system; A client client accessing the fingerprint or / and finger vein payment service server through a communication network, downloading the fingerprint or / and finger vein payment app, and installing the same; Activates the fingerprint or / and finger vein payment app on which the client client is installed, obtains and obtains the first fingerprint or / and finger vein information of the customer through the first fingerprint or / and finger vein recognizer of the client client; Providing the first fingerprint or / and finger vein information to the fingerprint or / and finger vein payment service server through the communication network; The fingerprint or / and finger vein payment service server stores and registers the first fingerprint or / and finger vein information provided from the client client in a database, and transmits the first fingerprint or / and finger vein information to the credit card company server through the communication network. Transmitting; Registering by the credit card company server by matching the first fingerprint or / and finger vein information transmitted from the fingerprint or / and finger vein payment service server with a payment means of a registered customer; A transaction is generated at the merchant to recognize the customer's second fingerprint and / or finger vein information from the second fingerprint and / or finger vein reader of the merchant client connected to the communication network, and the second fingerprint or / and finger vein information is generated. Requesting payment approval by transmitting the payment information according to the fingerprint or / and the finger vein payment service server; The fingerprint or / and finger vein payment service server compares and analyzes the second fingerprint or / and finger vein information transmitted from the affiliated store client with the first fingerprint or / and finger vein information registered in the database to determine a customer authentication. Making a step; As a result of the determination, when the first and second fingerprints and / or finger vein information match, the fingerprint or / and finger vein payment service server makes a payment to a customer's payment means matching the first fingerprint and / or finger vein information. The payment method of the electronic payment system using a fingerprint or / and finger vein recognition, characterized in that it comprises the step of requesting the payment approval to the credit card company server.
그리고, 본 발명에 있어서, 상기 전자 결제 시스템은; 신용카드사 서버가 결제 요청된 제1 지문 및 지정맥 정보에 대응하는 고객의 결제 수단을 통해 결제가 승인되면, 상기 가맹점 클라이언트와 상기 지문 및 지정맥 결제 서비스 서버로 결제가 승인되었음을 알려주는 단계를 더 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리방법이다.And, in the present invention, the electronic payment system; If the credit card company server payment is approved through the customer's payment means corresponding to the first fingerprint and finger vein information requested for payment, the step of notifying the merchant client and the fingerprint and finger vein payment service server further informs that the payment is approved. It is a method of processing an electronic payment system using a fingerprint or / and finger vein recognition.
그리고, 본 발명에 있어서, 상기 고객 인증을 판별하는 단계는 남자정보는 "1", 여자정보는 "2"로 구분하여 등록하는 남녀식별처리부에 의한 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리방법이다.In the present invention, the step of determining the customer authentication is fingerprint or / and finger vein recognition, characterized in that by the gender identification processing unit for registering the male information is divided into "1", female information "2". The processing method of the electronic payment system used.
그리고, 본 발명은 상기 지문 또는/및 지정맥 결제 앱 대신에 지문 또는/및 지정맥 결제 하이브리드 웹인 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리방법이다.In addition, the present invention is a method of processing an electronic payment system using fingerprint or / and finger vein recognition, characterized in that the fingerprint or / and finger vein payment hybrid web instead of the fingerprint or / and finger vein payment app.
그리고, 본 발명에 있어서, 상기 고객 클라이언트의 상기 제1 지문 또는/및 지정맥 인식기 및 상기 가맹점 클라이언트의 상기 제2 지문 또는/및 지정맥 인식기 각각을 통해 획득된 상기 제1 지문 및 지정맥 정보와 제2 지문 및 지정맥 정보를 상기 통신망을 통해 상기 지문 및 지정맥 결제 서비스 서버로 제공하는 것은; 고객의 손가락의 혈류 흐름의 온도를 더 감지하여 이상이 없을 때, 획득된 상기 제1 지문 및 지정맥 정보와 제2 지문 및 지정맥 정보를 상기 지문 및 지정맥 결제 서비스 서버로 제공하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법이다.In the present invention, the first fingerprint and / or finger vein information obtained through the first fingerprint and / or finger vein recognizer of the client client and the second fingerprint or / and finger vein recognizer of the affiliated store client; Providing second fingerprint and finger vein information to the fingerprint and finger vein payment service server through the communication network; And further detecting the temperature of the blood flow of the customer's finger to provide the first fingerprint and finger vein information and the second fingerprint and finger vein information to the fingerprint and finger vein payment service server. A method of processing an electronic payment system using fingerprint or / and finger vein recognition.
상술한 바와 같이, 본 발명의 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템은 모바일 어플리케이션을 통해 신용 카드 결제를 대체하도록 지정맥 인증을 이용하여 전자 결제 서비스를 제공함으로써, 신용 카드 대체용 등의 전자 결제 시, 보안성과 편의성을 제공할 수 있다.As described above, the electronic payment system using the fingerprint or / and finger vein recognition of the present invention provides an electronic payment service using finger vein authentication to replace credit card payment through a mobile application, such as credit card replacement When paying electronically, security and convenience can be provided.
또 본 발명의 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템은 고객 클라이언트와 가맹점 클라이언트에 탈착 가능한 지정맥 인식기를 구비하여 지정맥 정보를 등록하거나 인증 처리하도록 함으로써, 저렴한 비용으로 전자 결제에 따른 사용자 인증이 가능하다.In addition, the electronic payment system using the fingerprint or / and finger vein recognition of the present invention has a finger vein reader that can be removable to the client client and the merchant client to register or authenticate the finger vein information, the user according to the electronic payment at low cost Authentication is possible.
또한 본 발명의 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템은 보안성이 높은 지정맥 정보를 결제 수단으로 활용 가능하므로, 사용자에게 편의성을 제공한다.In addition, the electronic payment system using the fingerprint or / and finger vein recognition of the present invention can use the highly secure finger vein information as a payment means, providing convenience to the user.
더구나, 지문과 지문을 동시에 인증할 수 있는 융합기술이 완성됨으로써, 한층 더 완벽한 보안이 가능한 효과가 있는 것이다.In addition, by completing the convergence technology that can simultaneously authenticate the fingerprint and fingerprint, there is a more effective security effect.
이렇게 함으로써, 지정맥의 촬영부분이 손가락 마디를 중심으로 인증이 가능하기 때문에, 이에 융합되어 소형화된 인식기의 제작을 물론, 손가락의 지정맥 부분을 본인만이 알 수 있도록 제1 구획 또는 제2 구획(소형화의 개념), 또는 제1 구획 또는 제3 구획(소형화 및 보안 확장성의 개념), 또는 제2 구획 또는 제3 구획(소형화 및 보안 확장성의 개념)으로 지정하여 선택부분만을 자신의 비밀 지정맥부분으로 할 수 있게 되는 효과가 있는 것이다.In this way, since the photographing part of the finger vein can be authenticated centering on the finger node, the first compartment or the second compartment can be manufactured so that only the person can know the finger vein part of the finger as well as the manufacture of the miniaturized recognizer. (Concept of miniaturization), or the first compartment or the third compartment (the concept of miniaturization and security scalability), or the second compartment or the third compartment (the concept of miniaturization and security scalability), so that only the optional part is its own secret finger vein. It has the effect of being able to do it in parts.
도 1은 본 발명에 따른 지문 또는/및 지정맥 결제 서비스를 제공하는 전자 결제시스템의 네트워크 구성을 도시한 블럭도1 is a block diagram illustrating a network configuration of an electronic payment system that provides a fingerprint or / and finger vein payment service according to the present invention.
도 2는 도 1에 도시된 고객 클라이언트의 구성을 도시한 블럭도FIG. 2 is a block diagram showing the configuration of a customer client shown in FIG.
도 3은 도 1에 도시된 지문 또는/및 지정맥 결제 서비스 서버의 구성을 도시한 블럭도Figure 3 is a block diagram showing the configuration of the fingerprint or / and finger vein payment service server shown in FIG.
도 4는 본 발명에 따른 전자 결제 시스템의 처리 수순을 도시한 흐름도4 is a flowchart showing a processing procedure of the electronic payment system according to the present invention.
도 5는 본 발명의 제1 실시예로서 인증장치의 외부 전자적 구성 예를 나타내는 도면5 is a diagram showing an external electronic configuration example of the authentication apparatus as the first embodiment of the present invention.
도 6은 지정맥 이미지센서와 손가락지문 이미지센서가 촬영하는 동일한 손가락의 손가락지문면(a)과 측면(b)을 나타낸 도면6 is a view showing the finger fingerprint surface (a) and the side (b) of the same finger taken by the finger vein image sensor and the finger fingerprint image sensor.
도 7은 본 발명의 바람직한 어느 실시 예에 따른 지문 또는/및 지정맥 촬영 인증장치(1200)의 내부 전자적 구성 예7 is an internal electronic configuration example of the fingerprint or / and finger vein recording authentication device 1200 according to an embodiment of the present invention
도 8은 본 발명의 제2 실시예로서 인증장치의 외부 전자적 구성 예를 나타내는 도면8 is a diagram showing an external electronic configuration example of an authentication apparatus as a second embodiment of the present invention.
도 9는 본 발명의 어느 실시예에 따른 인증장치의 2개의 손가락에 대한 지문과 지정맥의 이미지 획득 메커니즘을 개념적으로 나타내는 도면이다.9 is a view conceptually showing an image acquisition mechanism of a fingerprint and finger vein for two fingers of the authentication apparatus according to an embodiment of the present invention.
도 10은 본 발명의 어느 실시예에 따른 인증장치의 2개의 손가락에 대한 지문의 이미지 획득 메커니즘을 개념적으로 나타내는 도면이다.FIG. 10 conceptually illustrates an image acquisition mechanism of a fingerprint for two fingers of an authentication apparatus according to an embodiment of the present invention.
도 11, 12는 본 발명의 지문1과 지문2가 동시에 인정되는 경우의 플로우차트이다.11 and 12 are flowcharts when the fingerprint 1 and the fingerprint 2 of the present invention are simultaneously recognized.
도 13, 14는 본 발명의 지정맥1과 지정맥2가 동시에 인정되는 경우의 플로우차트이다.13 and 14 are flowcharts when the finger vein 1 and the finger vein 2 of the present invention are recognized at the same time.
도 15, 16은 본 발명의 지문1과 지정맥1이 동시에 인정되는 경우의 플로우차트이다. 15 and 16 are flowcharts when the fingerprint 1 and the finger vein 1 of the present invention are recognized at the same time.
도 17, 18은 본 발명의 지문2와 지정맥2가 동시에 인정되는 경우의 플로우차트이다.17 and 18 are flowcharts when the fingerprint 2 and the finger vein 2 of the present invention are recognized at the same time.
도 19, 20은 본 발명의 지문1과 지정맥2가 동시에 인정되는 경우의 플로우차트이다.19 and 20 are flowcharts when the fingerprint 1 and the finger vein 2 of the present invention are recognized at the same time.
도 21, 22는 본 발명의 지문2와 지정맥1이 동시에 인정되는 경우의 플로우차트이다.21 and 22 are flowcharts when the fingerprint 2 and the finger vein 1 of the present invention are recognized at the same time.
도 23는 본 발명의 인증장치를 이용한 인증방법의 전체 프로세스의 구성 예를 나타내는 도면이다.23 is a diagram showing an example of the configuration of the entire process of the authentication method using the authentication apparatus of the present invention.
도 24는 본 발명의 2개의 손가락에 대한 지문 및 지정맥의 이미지를 구분하여 나타낸 도면이다.FIG. 24 is a diagram illustrating images of fingerprints and finger veins of two fingers according to the present invention.
도 25는 본 발명의 지문1과 지문2 및 지정맥1과 지정맥2가 조합의 형태를 나타낼 수 있는 매트릭스표이다.25 is a matrix table in which the fingerprint 1 and the fingerprint 2 and the finger vein 1 and the finger vein 2 of the present invention may represent a combination form.
도 26은 본 발명의 하이브리드 웹에 따른 지문 또는/및 지정맥 결제 서비스를 제공하는 전자 결제시스템의 네트워크 구성을 도시한 블럭도FIG. 26 is a block diagram illustrating a network configuration of an electronic payment system that provides a fingerprint or / and a finger vein payment service according to the hybrid web of the present invention.
도 27은 도 11에 도시된 고객 클라이언트의 구성을 도시한 블럭도27 is a block diagram showing the configuration of a customer client shown in FIG.
도 28은 본 발명의 하이브리드 웹에 따른 전자 결제 시스템의 처리 수순을 도시한 흐름도28 is a flowchart showing the processing procedure of the electronic payment system according to the hybrid web of the present invention.
도 29는 본 발명의 바람직한 어느 실시 예에 따른 지문 또는/및 지정맥 촬영 인증장치의 내부 전자적 구성도29 is an internal electronic configuration diagram of a fingerprint or / and a finger vein photographing authentication device according to an embodiment of the present invention.
도 30은 본 발명의 도 29에 대응되는 남녀식별정보의 처리 수순을 도시한 흐름도30 is a flowchart illustrating a processing procedure of gender identification information corresponding to FIG. 29 of the present invention.
<도면부호의 간단한 설명><Brief Description of Drawings>
2 : 전자 결제 시스템 10 : 통신망2: electronic payment system 10: communication network
100 : 지문 또는/및 지정맥 결제 서비스 서버100: fingerprint or / and finger vein payment service server
110 : 지문 또는/및 지정맥 결제 앱 200 : 고객 클라이언트110: fingerprint or / and finger vein payment app 200: customer client
210 : 지문 또는/및 지정맥 인식기 300 : 신용카드사 서버210: fingerprint or / and finger vein recognizer 300: credit card company server
400 : 가맹점 클라이언트400: Merchant Client
410 : 지문 또는/및 지정맥 인식기 1200 : 통합촬영인증장치(인식기)410: fingerprint or / and finger vein recognizer 1200: integrated shooting authentication device (recognizer)
1201 : 오브젝트수용부 1201a : 스캔패널상부케이스1201: object receiving portion 1201a: upper part of the scan panel
1201b : 스캔패널하부케이스 1220, 1230, 1231 : 이미지센서1201b: Scan panel lower case 1220, 1230, 1231: Image sensor
1240, 1241 : 적외선 광원부 1242 ; 가시광선 광원부1240 and 1241: infrared light source unit 1242; Visible light source
1250 : 스캔패널 1250a : 지문손가락접촉부1250 scan panel 1250a fingerprint finger contact
1250b : 지정맥손가락비접촉부 1260a : 적외선측면발신부1250b: fingerless contact finger 1260a: infrared side emitting unit
1260 : 적외선측면발신부케이스1260: infrared side emitting case
본 발명의 실시예는 여러 가지 형태로 변형될 수 있으며, 본 발명의 범위가 아래에서 서술하는 실시예로 인해 한정되어지는 것으로 해석되어서는 안된다. 본 실시예는 당업계에서 평균적인 지식을 가진 자에게 본 발명을 보다 완전하게 설명하기 위해서 제공되는 것이다. 따라서 도면에서의 구성 요소의 형상 등은 보다 명확한 설명을 강조하기 위해서 과장되어진 것이다.The embodiments of the present invention may be modified in various forms, and the scope of the present invention should not be interpreted as being limited by the embodiments described below. This embodiment is provided to more completely explain the present invention to those skilled in the art. Therefore, the shape of the components in the drawings, etc. have been exaggerated to emphasize a more clear description.
이하 첨부된 도 1 내지 도 4를 참조하여 본 발명의 실시예를 상세히 설명한다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to FIGS. 1 to 4.
도 1은 본 발명에 따른 지문 또는/및 지정맥 결제 서비스를 제공하는 전자 결제시스템의 네트워크 구성을 도시한 블럭도이다.1 is a block diagram showing a network configuration of an electronic payment system for providing a fingerprint or / and finger vein payment service according to the present invention.
도 1을 참조하면, 본 발명의 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템(2)은 고객들의 신용 카드 결제를 대체하여 전자 결제가 이루어지도록 지문 또는/및 지정맥을 인식하여 결제 처리하거나, 고객이 기존에 구비하는 신용 카드, 직불 카드, 체크카드 및 계좌 이체 등의 전자 결제 시, 고객의 신원을 지문 또는/및 지정맥 인증을 통해 결제가 이루어지도록 처리한다.Referring to Figure 1, the electronic payment system using the fingerprint or / and finger vein recognition of the present invention to recognize the fingerprint or / and the finger vein to replace the credit card payment of the customer to make a payment process or In the case of electronic payments such as credit cards, debit cards, check cards and bank transfers, the customer's identity is processed so that payment is made through fingerprint or / and finger vein authentication.
이를 위해 본 발명의 전자 결제 시스템(2)은 통신망(10)과, 지문 또는/및 지정맥 결제 서비스 서버(100)와, 복수 개의 고객 클라이언트(200)들과, 신용카드사 서버(300) 및복수 개의 가맹점 클라이언트(400)들을 포함한다.To this end, the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint or / and finger vein payment service server 100, a plurality of customer clients 200, a credit card company server 300 and a plurality of services. Two merchant clients 400.
지문 또는/및 지정맥 결제 서비스 서버(100)는 고객 클라이언트(200)로부터 고객의 지문 또는/및 지정맥 정보를 등록하고, 결제 시 지문 또는/및 지정맥 정보를 인증하여 결제 처리하기 위한 지문 또는/및 지정맥 결제 앱(110)을 구비하고, 이를 통해 고객 클라이언트(200), 가맹점 클라이언트(400) 및 신용카드사 서버(300) 들 간에 통신망(10)을 통해 상호 전자 결제가 이루어지도록 처리한다.Fingerprint or / and finger vein payment service server 100 registers the fingerprint or / and finger vein information of the customer from the client client 200, fingerprint or / and finger vein to authenticate the fingerprint and / or finger vein information at the time of payment / And the finger vein payment app 110, and through this process between the client client 200, the merchant client 400 and the credit card company server 300 through the communication network 10 to make a mutual electronic payment.
고객 클라이언트(200)는 예컨대, 스마트폰, 태블릿 컴퓨터 등과 같이 휴대가 용이한 모바일 단말기로 구비되고, 고객 자신의 지문 또는/및 지정맥 정보를 등록하거나 인증 처리하기 위하여 지문 또는/및 지정맥 인식기(210)를 구비한다. 이 실시예에서 지문 또는/및 지정맥 인식기(210)는 고객 클라이언트(200)의 내부에 모듈 형태로 구비되어 있지만, 도 2에 도시된 바와 같이, 고객 클라이언트(200)와 탈부착 가능한 독립적인 장치로 구비될 수도 있다. 이러한 고객 클라이언트(200)는 통신망(10)을 통해 지문 또는/및 지정맥 결제서비스 서버(100)에 접속하여 지문 또는/및 지정맥 결제 앱(110)을 다운로드 받아서 내부에 설치한다.The client client 200 is provided as a portable mobile terminal such as, for example, a smartphone or a tablet computer, and includes a fingerprint or / and a finger vein recognizer to register or authenticate a fingerprint or / or finger vein information of the client. 210. In this embodiment, the fingerprint or / and the finger vein recognizer 210 is provided in the form of a module inside the customer client 200, as shown in Figure 2, as an independent device detachable from the customer client 200 It may be provided. The client client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to download the fingerprint or / and finger vein payment app 110 and installs therein.
또 고객 클라이언트(200)는 지문 또는/및 지정맥 결제 앱(도 2의 202)을 활성화시켜서, 지문 또는/및 지정맥 인식기(210)를 통해 자신의 지문 또는/및 지정맥 정보를 스캐닝하고, 스캐닝된 지문 또는/및 지정맥 정보를2통신망(10)을 통해 지문 또는/및 지정맥 결제 서비스 서버(100)로 제공하여, 고객 자신의 신용 카드에 대체되는 가상 결제 수단 예컨대, 가상 결제 신용 카드, 가상 결제 계좌 등에 매칭시켜서 등록한다. 물론 지문 또는/및 지정맥 결제 서비스 서버(100)에 등록되는 고객 클라이언트(200)의 지문 또는/및 지정맥 정보는 고객의 기발급된 신용 카드, 직불 카드, 체크 카드 및 거래 계좌 정보의 신원 인증 및 확인용으로 등록될 수 있다.In addition, the client client 200 activates the fingerprint or / and the finger vein payment app (202 of FIG. 2) to scan the fingerprint or / and the finger vein information through the fingerprint or / and the finger vein recognizer 210, Provide the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the 2 communication network 10, and the virtual payment means replaced by the customer's own credit card, for example, a virtual payment credit card. And register by matching with a virtual payment account. Of course, the fingerprint or / and finger vein information of the customer client 200 registered in the fingerprint or / and finger vein payment service server 100 is the identification of the issued credit card, debit card, check card and transaction account information of the customer And for confirmation.
신용카드사 서버(300)는 고객 클라이언트(200)의 지문 또는/및 지정맥 정보에 대응되는 가상 결제 수단을 발급하고, 지문 또는/및 지정맥 정보를 이용하여 결제 승인 여부를 판별하여 지문 또는/및 지정맥 결제 서비스 서버(100)로 판별 결과를 제공한다. 물론 신용카드사서버(300)는 고객 클라이언트(200)에 대응하는 다른 결제 수단 예컨대, 신용 카드, 직불 카드, 체크 카드 및 거래 계좌 정보의 신원 인증 및 확인용으로 고객 클라이언트(200)의 지문 또는/및 지정맥 정보를 이용할 수 있다.Credit card company server 300 issuing a virtual payment means corresponding to the fingerprint or / and finger vein information of the client client 200, by using the fingerprint or / and finger vein information to determine whether the payment approval fingerprint or / and Provides the determination result to the finger vein payment service server (100). Of course, the credit card company server 300 is a fingerprint or / and fingerprint of the client client 200 for identification and verification of other payment means corresponding to the client client 200, for example credit card, debit card, check card and transaction account information Finger vein information is available.
그리고 가맹점 클라이언트(400)는 온오프 라인을 통해 상품이나 서비스를 판매하는 가맹점에 구비되는 단말기로, 예를 들어, 포스(POS) 단말기, 퍼스널 컴퓨터(PC) 등으로 구비된다. 가맹점 클라이언트(400)는 고객의 지문 또는/및 지정맥 정보를 인식하기 위한 지문 또는/및 지정맥 인식기(410)를 구비한다. 가맹점 클라이언트(400)는 가맹점에서 고객 클라이언트(200)의 고객이 상품이나 서비스를 구매한 후, 결제가 이루어지면, 지문 또는/및 지정맥 인식기(410)를 통해 고객의 지문 또는/및 지정맥 정보를 스캐닝하고, 스캐닝된 지문 또는/및 지정맥 정보를 통신망(10)을 통해 지문 또는/및 지정맥 결제 서비스 서버(100)로 전송하여 결제 승인을 요청한다. 가맹점 클라이언트(400)는 해당 결제 금액에 대한 결제가 신용카드사 서버(300)(또는 다른 결제 시스템)로부터 결제가 승인되면, 지문 또는/및 지정맥 결제 서비스서버(100)를 통해 결제 승인을 확인한다.In addition, the affiliated client client 400 is a terminal provided in an affiliated store that sells a product or a service through an on-off line. For example, the affiliated client client 400 is provided as a POS terminal, a personal computer, or the like. Merchant client 400 has a fingerprint or / and finger vein recognizer 410 for recognizing the fingerprint and / and finger vein information of the customer. Merchant client 400 is a customer after the customer of the client 200 purchases goods or services in the merchant, the payment is made, through the fingerprint or / and finger vein recognizer 410 the fingerprint or / and finger vein information of the customer Scan and transmit the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to request payment approval. The merchant client 400 checks the payment approval through the fingerprint or / and finger vein payment service server 100 when the payment for the corresponding payment is approved from the credit card company server 300 (or another payment system). .
구체적으로, 도 2는 도 1에 도시된 고객 클라이언트의 구성을 도시한 블럭도이고, 도 3은 도 1에 도시된 지문 또는/및 지정맥 결제 서비스 서버의 구성을 도시한 블럭도이다.Specifically, FIG. 2 is a block diagram showing the configuration of the customer client shown in FIG. 1, and FIG. 3 is a block diagram showing the configuration of the fingerprint or / and finger vein payment service server shown in FIG.
도 2를 참조하면, 이 실시예의 고객 클라이언트(200)는 스마트 폰으로 구비되고, 내부에 지문 또는/및 지정맥 결제 앱(202)이 설치되어 있다. 이 지문 또는/및 지정맥 결제 앱(202)은 통신망을 통하여 지문 또는/및 지정맥 결제 서비스 서버(100)로부터 다운로드받아서 설치된다.2, the customer client 200 of this embodiment is provided with a smart phone, the fingerprint or / and finger vein payment app 202 is installed therein. The fingerprint or / and finger vein payment app 202 is downloaded and installed from the fingerprint or / and finger vein payment service server 100 through a communication network.
스마트 폰(200)은 지문 또는/및 지정맥 결제 앱(202)을 활성화시켜서, 고객 자신의 지문 또는/및 지정맥 정보를 지문 또는/및 지정맥 결제 서비스 서버(100)에 등록한다. 이를 위해 스마트 폰(200)은 지문 또는/및 지정맥 인식기(210)가 부착된다. 이는 고객이 지문 또는/및 지정맥 인식기(210)를 구매하는 데에 따른 경제적인 부담감을 제거하고, 지문 또는/및 지정맥 결제 앱(202)의 사용을 적극적으로 장려하기 위하여, 지문 또는/및 지정맥 결제 서비스 서버(100)의 서비스 업체, 가맹점 또는 신용카드사 등에서 지문 또는/및 지정맥 인식기(210)를 상거래 현장에 제공하여, 지문 또는/및 지정맥을 이용한 결제 수단을 등록 및 이용할 때, 스마트 폰(200)에 장착, 분리 가능한 형태로 제공된다.The smartphone 200 activates the fingerprint or / and finger vein payment app 202 to register the fingerprint or / and finger vein information of the customer on the fingerprint or / and finger vein payment service server 100. To this end, the smartphone 200 is attached to the fingerprint or / and finger vein recognizer (210). This removes the financial burden on the customer to purchase the fingerprint or / and the finger vein recognizer 210, and actively encourages the use of the fingerprint or / and the finger vein payment app 202. When a service provider, a merchant or a credit card company of the finger vein payment service server 100 provides a fingerprint or / and finger vein recognizer 210 at a commerce site to register and use a payment means using a fingerprint or / and finger vein, Mounted on the smart phone 200, provided in a detachable form.
이러한 지문 또는/및 지정맥 인식기(210)는 고객의 혈관 중 사용하기 편한 손가락의 정맥에 근적외선 등을 투사하여 정맥의 헤모글로빈 패턴을 인식하여 고객을 인증하도록 지정맥 정보를 획득한다. 즉, 손가락의 정맥이 근적외광을 흡수하고 정맥 이외의 부분이 근적외광을 투과하는 것을 이용하여, 근적외선을 손가락에 조사하고 근적외선 감도를 가진 스캐너 예를 들어, 적외선 카메라에 의해 손가락을 촬영함으로써 정맥의 화상을 촬영하여, 그 정맥의 패턴을 추출하여 개인 인증에 이용할 수 있다.The fingerprint or / and the finger vein recognizer 210 acquires finger vein information to project the near-infrared rays to the vein of the finger which is easy to use among the blood vessels of the customer to recognize the hemoglobin pattern of the vein to authenticate the customer. That is, the vein of the finger absorbs near infrared light and the portion other than the vein transmits near infrared light, irradiating the near infrared to the finger and photographing the finger by a scanner having a near infrared sensitivity, for example, an infrared camera. By taking an image, the vein pattern can be extracted and used for personal authentication.
구체적으로, 지문 또는/및 지정맥 인식기(210)는 지문 또는/및 지정맥 인식기(210)의 제반 동작을 제어하는 컨트롤러(212), 고객의 손가락을 스캐닝하여 지문 또는/및 지정맥 정보를 획득하는 스캐너(214), 스캐너(214)로부터 획득된 지문 또는/및 지정맥 정보를 저장하는 메모리(216), 스캐너(214)로부터 스캐닝된 지문 또는/및 지정맥 정보를 표시하거나 지문 또는/및 지정맥 인식기(210)의 처리과정을 표시하는 LCD(218) 및, 스마트 폰(200)과 연결되어 스캐너(214)로부터 획득된 지문 또는/및 지정맥 정보를 스마트 폰(200)으로 제공하는 인터페이스 모듈(220)을 포함한다.In detail, the fingerprint or / and the finger vein recognizer 210 controls the overall operation of the fingerprint or / and the finger vein recognizer 210, and acquires fingerprint or / and finger vein information by scanning a finger of a customer. The scanner 214, a memory 216 storing fingerprint and / or finger vein information obtained from the scanner 214, the fingerprint or / and finger vein information scanned from the scanner 214, or displaying a fingerprint or / and designation. LCD 218 for displaying the process of the Mac recognizer 210, and an interface module connected to the smart phone 200 to provide a fingerprint or / and finger vein information obtained from the scanner 214 to the smart phone 200 220.
또 지문 또는/및 지정맥 인식기(210)는 스캐너(214)로부터 지문 또는/및 지정맥 정보를 획득 시, 손가락의 온도를 감지하는 온도 센서(222)와 손가락에 흐르는 혈액을 인식하는 혈류 인식 센서(224)를 더 구비한다. 이러한 온도 센서(222)와 혈류 인식 센서(224)는 예를 들어, 일정 시간 동안에 타인의 손가락만 이용하여 지문 또는/및 지정맥 정보를 스캐닝 가능한 문제점을 보완 및 해소하기 위하여, 지문 또는/및 지정맥 인식기(210)는 스캐너(214)로부터 획득되는 지문 또는/및 지정맥 정보와 함께, 손가락의 온도 및 혈류의 흐름을 인식하여 이상이 없다고 판단되면, 스캐너(214)로부터 획득된 지문 또는/및 지정맥 정보를 스마트 폰(200)으로 제공하도록 처리한다.In addition, the fingerprint or / and the finger vein recognizer 210, when acquiring fingerprint or / and finger vein information from the scanner 214, the temperature sensor 222 for detecting the temperature of the finger and the blood flow sensor for recognizing blood flowing through the finger 224 is further provided. The temperature sensor 222 and the blood flow sensor 224 may, for example, use fingerprints and / or designations to compensate for and solve the problem of scanning fingerprint or / and finger vein information using only another person's finger for a certain time. The MAC recognizer 210 recognizes the temperature of the finger and the flow of blood flow together with the fingerprint or / and finger vein information obtained from the scanner 214, and if it is determined that there is no abnormality, the fingerprint or / and acquired from the scanner 214. Processes to provide finger vein information to the smartphone (200).
이러한 지문 또는/및 지정맥 인식기(210)의 구성은 가맹점 클라이언트(400)의 지문 또는/및 지정맥 인식기(410)와 대체로 유사하거나 동일한 구성을 갖도록 구비된다. 따라서 여기서는 가맹점 클라이언트(400)의 지문 또는/및 지정맥 인식기(410)에 대한 구체적인 구성이나 기능에 대한 설명을 생략한다.The configuration of the fingerprint or / and the finger vein recognizer 210 is provided to have a substantially similar or identical configuration to the fingerprint or / and the finger vein recognizer 410 of the merchant client 400. Therefore, the description of the specific configuration or function of the fingerprint or / and finger vein recognizer 410 of the merchant client 400 will be omitted here.
계속해서 도 3을 참조하면, 이 실시예의 지문 또는/및 지정맥 결제 서비스 서버(100)는 제어부(102)와, 통신부(104)와, 지문 또는/및 지정맥 결제 앱(110)을 저장하는 저장부(미도시됨) 및, 데이터베이스(120)를 포함한다. 또 지문 또는/및 지정맥 결제 서비스 서버(100)는 도면에는 도시되지 않았으나, 전형적인 컴퓨터 시스템의 구성 요소들 예를 들어, 중앙 처리 장치, 메모리 장치, 입출력 장치 및 저장 장치 등을 구비한다.With continued reference to FIG. 3, the fingerprint or / and finger vein payment service server 100 of this embodiment stores the control unit 102, the communication unit 104, and the fingerprint or / and finger vein payment app 110. A storage unit (not shown) and a database 120 are included. The fingerprint or / and finger vein payment service server 100 includes components of a typical computer system, such as a central processing unit, a memory device, an input / output device and a storage device, although not shown in the drawing.
통신부(104)는 통신망(10)을 통해 고객 클라이언트(200)와 가맹점 클라이언트(400)와, 신용카드사 서버(300) 및 지문 또는/및 지정맥 결제 서비스 서버(100)에 연결되어, 상호 데이터 통신이 가능하도록 제공된다.The communication unit 104 is connected to the customer client 200 and the merchant client 400 through the communication network 10, the credit card company server 300 and the fingerprint or / and finger vein payment service server 100, mutual data communication This is provided to make it possible.
제어부(102)는 지문 또는/및 지정맥 결제 서비스 서버(100)의 제반 동작을 제어 및 처리한다. 제어부(102)는 도면에는 도시되지 않았으나, 예컨대 중앙 처리 장치, 메모리 또는 웹서버 등과 같은 하드웨어 뿐만 아니라, 운영체제 프로그램, 제어 프로그램 등의 소프트웨어를 포함할 수 있다.The controller 102 controls and processes various operations of the fingerprint or / and finger vein payment service server 100. Although not shown in the drawings, the controller 102 may include, for example, hardware such as a central processing unit, a memory, or a web server, as well as software such as an operating system program and a control program.
이러한 제어부(102)는 지문 또는/및 지정맥 결제 앱(110)을 이용하여 고객 클라이언트(200) 및 가맹점 클라이언트(400)들 각각으로부터 회원 등록하도록 처리하고, 고객 클라이언트(200)로부터 고객의 지문 또는/및 지정맥 정보를 등록하도록 처리하며, 가맹점 클라이언트(400)로부터 고객의 지문 또는/및 지정맥 정보가 전송되면, 등록된 고객의 지문 또는/및 지정맥 정보와 비교 분석하여, 고객을 인증하여 결제가 이루어지도록 처리한다. 이러한 제어부(102)는 지문 또는/및 지정맥 결제 앱(110)의 처리 과정들을 제어하며, 이에 대한 구체적인 내용은 도 4를 이용하여 상세히 설명한다.The control unit 102 processes to register members from each of the client client 200 and the merchant client 400 using the fingerprint or / and the finger vein payment app 110, and the fingerprint or the fingerprint of the customer from the client client 200. / And to process the finger vein information, and if the fingerprint or / and finger vein information of the customer is transmitted from the merchant client 400, and compared with the fingerprint or / and finger vein information of the registered customer, to authenticate the customer Process payment to be made. The control unit 102 controls the processes of the fingerprint or / and finger vein payment app 110, a detailed description thereof will be described in detail with reference to FIG.
지문 또는/및 지정맥 결제 앱(110)은 지문 또는/및 지정맥 결제 서비스 서버(100)의 저장부(미도시됨)에 저장되고, 제어부(102)의 제어를 받아서 처리되며, 데이터베이스(120)로부터 다양한 정보들을 읽거나 처리 과정에 따라 생성되는 다양한 정보들을 데이터베이스(120)로 저장하도록 처리한다. 이러한 지문 또는/및 지정맥 결제 앱(110)은 이 실시예에서 모바일 어플리케이션 형태로 제공되어, 고객 클라이언트(200)에 설치된다. 물론 지문 또는/및 지정맥 결제 앱(110)은 웹 브라우저 형태로 제공될 수도 있다.Fingerprint and / and finger vein payment app 110 is stored in the storage unit (not shown) of the fingerprint or / and finger vein payment service server 100, is processed under the control of the control unit 102, the database 120 The various information is read from or stored in the database 120. Such fingerprint or / and finger vein payment app 110 is provided in the form of a mobile application in this embodiment, it is installed on the customer client 200. Of course, the fingerprint or / and finger vein payment app 110 may be provided in the form of a web browser.
이 실시예에서 지문 또는/및 지정맥 결제 앱(110)은 고객 클라이언트(200)로부터 고객의 지문 또는/및 지정맥 정보를 등록하도록 처리하는 지문 또는/및 지정맥 등록 모듈(112)과, 가맹점 클라이언트(400)로부터 고객의 지문 또는/및 지정맥 정보가 전송되면, 등록된 고객의 지문 또는/및 지정맥 정보와 비교 분석하여, 고객을 인증하여 결제가 이루어지도록 처리하는 지문 또는/및 지정맥 결제 모듈(114)을 포함한다.Fingerprint or / and finger vein payment app 110 in this embodiment is a fingerprint or / and finger vein registration module 112 for processing to register the fingerprint or / and finger vein information of the customer from the customer client 200, merchants When the fingerprint or / and finger vein information of the customer is transmitted from the client 400, the fingerprint or / and finger vein is compared with the fingerprint or / and finger vein information of the registered customer, and the fingerprint or / and finger vein is processed to authenticate the customer so that payment is made. A payment module 114.
따라서 지문 또는/및 지정맥 결제 앱(110)은 고객 클라이언트(200)로부터 지문 또는/및 지정맥정보를 전송받아서 데이터베이스(120)에 등록하고, 가맹점 클라이언트(400)로부터 고객의 지문 또는/및 지정맥 정보가 전송되면, 데이터베이스(120)에 등록된 고객의 지문 또는/및 지정맥 정보와 비교 분석하여, 고객을 인증하여 해당 지문 또는/및 지정맥 정보에 매칭된 결제 수단을 통해 결제가 이루어지도록 처리한다.Therefore, the fingerprint or / and finger vein payment app 110 registers in the database 120 by receiving the fingerprint or / and finger vein information from the customer client 200, the fingerprint or / and designation of the customer from the merchant client 400 When the MAC information is transmitted, the fingerprint and / or finger vein information of the customer registered in the database 120 is analyzed and compared to authenticate the customer so that payment is made through a payment method matched with the fingerprint or / and finger vein information. Process.
그리고 데이터베이스(120)는 제어부(102)의 제어를 받아서 지문 또는/및 지정맥 결제 앱(110)의 처리 과정에 따른 다양한 정보들을 저장한다. 이 실시예에서 데이터베이스(120)는 지문 또는/및 지정맥 결제 서비스 서버(100)의 내부에 구비되어 있지만, 별도의 데이터베이스 서버로 구비될 수도 있다.The database 120 stores various information according to the processing of the fingerprint or / and the finger vein payment app 110 under the control of the controller 102. In this embodiment, the database 120 is provided inside the fingerprint or / and finger vein payment service server 100, but may be provided as a separate database server.
이 실시예의 데이터베이스(120)는 고객 정보(122)와, 지문 또는/및 지정맥 정보(124)와, 신용카드 매칭 정보(126)와, 결제 정보(128) 및 가맹점 정보(130)를 저장한다. Database 120 of this embodiment stores customer information 122, fingerprint or / and finger vein information 124, credit card matching information 126, payment information 128, and merchant information 130. .
고객 정보(122)는 고객 클라이언트(200)가 지문 또는/및 지정맥 결제 앱(202)을 활성화시켜서 회원으로 등록하는 경우에 입력된 고객의 회원 정보 예를 들어, 이름, 인증된 휴대폰 번호 등의 연락처, 비밀 번호, 이메일 주소 등을 포함한다. Customer information 122 is the customer information entered when the customer client 200 activates the fingerprint or / and finger vein payment app 202 to register as a member, for example, name, mobile phone number, etc. Include your contacts, passwords, email addresses, and more.
고객 정보(122)에는 기발급된 결제 수단들 예를 들어, 신용 카드, 직불 카드, 체크카드 및 거래 계좌에 대한 정보를 더 포함할 수 있다.The customer information 122 may further include information on issued payment methods such as credit cards, debit cards, check cards and transaction accounts.
지문 또는/및 지정맥 정보(124)는 고객 정보(122)에 대응하여 등록된다. 지문 또는/및 지정맥 정보(124)는 고객 클라이언트(200)의 지문 또는/및 지정맥 인식기(210)로부터 획득된 것으로, 통신망(10)을 통하여 고객 클라이언트(200)로부터 지문 또는/및 지정맥 결제 서비스 서버(100)로 제공된다. 따라서 지문 또는/및 지정맥 결제 서비스 서버(100)에 등록된 지문 또는/및 지정맥 정보(124)는 하나의 결제 수단(예컨대, 가상 결제 수단)에 대응되거나, 기발급된 결제 수단(예컨대, 신용 카드, 거래 계좌 등)의 사용자 인증에 필요한 정보로 사용된다.Fingerprint and / or finger vein information 124 is registered corresponding to customer information 122. The fingerprint or / and finger vein information 124 is obtained from the fingerprint or / and finger vein recognizer 210 of the client client 200, and the fingerprint or / and finger vein from the client client 200 through the communication network 10. It is provided to the payment service server 100. Accordingly, the fingerprint or / and finger vein information 124 registered in the fingerprint or / and finger vein payment service server 100 may correspond to one payment means (eg, virtual payment means), or the issued payment means (eg, It is used as information required for user authentication of credit card, transaction account, etc.).
신용 카드 매칭 정보(126)는 고객의 지문 또는/및 지정맥 정보(124)에 연결되는 하나의 결제 수단(예컨대, 가상 결제 수단) 또는/및 지정맥 기발급된 결제 수단에 대한 매칭 정보를 포함한다. 결제 정보(128)는 가맹점 클라이언트(400)의 지문 또는/및 지정맥 인식기(410)로부터 전송된 지문 또는/및 지정맥 정보가 고객 클라이언트(200)로부터 등록된 지문 또는/및 지정맥 정보(124)를 비교, 분석하여 일치되면, 가맹점 클라이언트(400)에서 결제 요청 및 승인된 내용 예컨대, 결제 일자, 결제 금액 및 결제 내역 등을 포함한다. 그리고 가맹점 정보(130)는 지문 또는/및 지정맥 결제 서비스 서버(100)에 회원으로 등록한 가맹점에 대한 회원 정보 예를 들어, 가맹점 명, 연락처, 주소 등을 포함한다.Credit card matching information 126 includes matching information for one payment means (eg, virtual payment means) or / and finger vein issued payment means that is linked to the customer's fingerprint and / or finger vein information 124. do. The payment information 128 may include fingerprint or / and finger vein information 124 in which fingerprint or / and finger vein information transmitted from the fingerprint or / and finger vein recognizer 410 of the merchant client 400 is registered from the client client 200. ) Is compared, analyzed, and matched, the payment request and the approved contents in the affiliated client client 400 include a payment date, a payment amount, and a payment history. The merchant information 130 may include, for example, member information on an affiliated store registered as a member of the fingerprint or / and finger vein payment service server 100, such as an affiliate store name, a contact number, an address, and the like.
따라서 본 발명의 지문 또는/및 지정맥 결제 서비스 서버(100)는 통신망(10)을 통하여 고객 클라이언트(200)로부터 지문 또는/및 지정맥 정보(124)를 제공받아서 데이터베이스(120)에 등록하고, 가맹점 클라이언트(400)로부터 고객의 지문 또는/및 지정맥 정보와 결제 요청이 접수되면, 등록된 지문 또는/및 지정맥 정보와 비교, 분석하여 특정 고객에 대응되면, 해당 고객의 결제 수단으로 결제가 이루어지도록 신용카드사 서버(300)에 결제 승인을 요청하고, 신용카드사 서버(300)에서 결제가 승인되면, 고객 클라이언트(200) 및 가맹점 클라이언트(400)로 결제가 이루어졌음을 알려준다.Therefore, the fingerprint or / and finger vein payment service server 100 of the present invention receives the fingerprint or / and finger vein information 124 from the customer client 200 through the communication network 10 to register in the database 120, When a customer's fingerprint or / and finger vein information and payment request are received from the affiliated client client 400, when compared to the registered fingerprint or / and finger vein information and analyzed to correspond to a specific customer, payment is made by the customer's payment method. The payment request is made to the credit card company server 300 to be made, and when the payment is approved by the credit card company server 300, the client client 200 and the affiliated client client 400 notify that the payment has been made.
그리고 도 4는 본 발명에 따른 전자 결제 시스템의 처리 수순을 도시한 흐름도이다. 이 수순은 본 발명에 따른 지문 또는/및 지정맥 결제 서비스 서버(100)에 의해 처리되는 프로그램으로, 이 프로그램은 지문 또는/및 지정맥 결제 앱으로 제공되며, 지문 또는/및 지정맥 결제서비스 서버(100)의 저장부(미도시됨)에 저장되고, 고객 클라이언트(200)에 설치된다. 이 지문 또는/및 지정맥 결제 앱(110)은 고객 클라이언트(200), 가맹점 클라이언트(400), 신용카드사 서버(300) 및 지문 또는/및 지정맥 결제 서비스 서버(100)가 상호 연계되어 처리된다.4 is a flowchart illustrating a processing procedure of the electronic payment system according to the present invention. This procedure is a program processed by the fingerprint or / and finger vein payment service server 100 according to the present invention, the program is provided as a fingerprint or / and finger vein payment app, the fingerprint or / and finger vein payment service server It is stored in the storage unit (not shown) of the 100, and installed in the customer client 200. The fingerprint or / and finger vein payment app 110 is processed in conjunction with the client client 200, merchant client 400, credit card company server 300 and fingerprint or / and finger vein payment service server 100 .
도 4를 참조하면, 본 발명의 전자 결제 시스템(2)은 단계 S150에서 지문 또는/및 지정맥 결제 서비스 서버(100)에 지문 또는/및 지정맥 결제 앱(110)을 제공한다. 단계 S152에서 고객2클라이언트(200)는 통신망(10)을 통하여 지문 또는/및 지정맥 결제 서비스 서버(100)에 접속하고, 지문 또는/및 지정맥 결제 앱(110)을 다운로드 받아서 내부에 설치한다.Referring to FIG. 4, the electronic payment system 2 of the present invention provides the fingerprint or / and finger vein payment app 110 to the fingerprint or / and finger vein payment service server 100 in step S150. In step S152, the customer 2 client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10, and downloads the fingerprint or / and finger vein payment app 110 is installed inside. .
단계 S154에서 고객 클라이언트(200)는 설치된 지문 또는/및 지정맥 결제 앱(202)을 활성화시키고, 지문 또는/및 지정맥 인식기(210)를 통해 고객 자신의 지문 또는/및 지정맥 정보를 획득하고, 획득된 지문 또는/및 지정맥 정보를 통신망(10)을 통해 지문 또는/및 지정맥 결제 서비스 서버(100)로 제공한다. 단계 S156에서 지문 또는/및 지정맥 결제 서비스 서버(100)는 고객 클라이언트(200)로부터 제공된 지문 또는/및 지정맥 정보를 데이터베이스(120)에 저장 등록한다. 이 때, 지문 또는/및 지정맥 결제서비스 서버(100)는 통신망(10)을 통해 지문 또는/및 지정맥 정보를 신용카드사 서버(300)로 전송한다.In step S154, the client client 200 activates the installed fingerprint or / and finger vein payment app 202, obtains his or her own fingerprint or finger vein information through the fingerprint or / and finger vein recognizer 210, and It provides the fingerprint or / and finger vein information obtained to the fingerprint or / and finger vein payment service server 100 through the communication network (10). In operation S156, the fingerprint or / and finger vein payment service server 100 stores and registers the fingerprint or / and finger vein information provided from the client client 200 in the database 120. At this time, the fingerprint or / and finger vein payment service server 100 transmits the fingerprint or / and finger vein information to the credit card company server 300 through the communication network (10).
단계 S158에서 신용카드사 서버(300)는 지문 또는/및 지정맥 결제 서비스 서버(100)로부터 전송된 지문 또는/및 지정맥 정보를 신용카드사 서버(300)에 등록된 고객의 결제 수단에 매칭시켜서 등록하거나, 신용카드사 서버(300)로부터 기발급된 신용 카드, 직불 카드, 체크 카드 및 거래 계좌 등에 대응시켜서 매칭하여 등록한다. 따라서 상술한 단계 S150 내지 단계 S158을 통해 고객 클라이언트(200)는 지문 또는/및 지정맥 정보에 대한 전자 결제 처리가 가능하도록 등록된다.In step S158, the credit card company server 300 registers the fingerprint or / and finger vein information transmitted from the finger vein payment service server 100 by matching the payment means of the customer registered in the credit card company server 300 Or, correspond to the credit card, debit card, check card and transaction account issued from the credit card company server 300 to register and match. Therefore, through the above-described step S150 to step S158, the customer client 200 is registered to enable the electronic payment processing for the fingerprint or / and finger vein information.
단계 S160에서 가맹점에서 상거래가 발생되면, 가맹점 클라이언트(400)의 지문 또는/및 지정맥 인식기(410)로부터 고객의 지문 또는/및 지정맥 정보를 인식하고, 단계 S162에서 지문 또는/및 지정맥 정보와 결제 정보를 지문 또는/및 지정맥 결제 서비스 서버(100)로 전송하여 상거래에 따른 결제 승인을 요청한다.When the transaction occurs in the affiliated store in step S160, the fingerprint or / and finger vein information of the customer from the fingerprint or / and finger vein recognizer 410 of the merchant client 400, the fingerprint or / and finger vein information in step S162 And payment information is sent to the fingerprint or / and finger vein payment service server 100 to request payment approval according to the commerce.
단계 S164에서 지문 또는/및 지정맥 결제 서비스 서버(100)는 가맹점 클라이언트(400)로부터 전송된 지문 또는/및 지정맥 정보를 데이터베이스(120)에 등록된 지문 또는/및 지정맥 정보와 비교, 분석하여 고객의 인증 상태를 판별한다. 판별 결과, 두 지문 또는/및 지정맥 정보가 일치되면, 단계 S166에서 지문 또는/및 지정맥 결제 서비스 서버(100)는 해당 고객의 결제 수단으로 결제가 이루어지도록 신용카드사 서버(300)로 결제 승인을 요청하고, 판별 결과, 두 지문 또는/및 지정맥 정보가 일치되지 않으면, 가맹점 클라이언트(400)로 승인 거절 및 거절 사유 등을 알려준다.In operation S164, the fingerprint or / and finger vein payment service server 100 compares and analyzes the fingerprint or / and finger vein information transmitted from the affiliate client 400 with the fingerprint or / and finger vein information registered in the database 120. To determine the authentication status of the customer. As a result of the determination, when the two fingerprints and / or finger vein information match, in step S166, the fingerprint or / and finger vein payment service server 100 approves the payment to the credit card company server 300 so that the payment is made by the customer's payment means. If the request, and the determination result, the two fingerprints and / and finger vein information does not match, the merchant client 400 informs the reason for rejection and rejection, and the like.
단계 S168에서 신용카드사 서버(300)가 결제 요청된 지문 또는/및 지정맥 정보에 대응하는 결제 수단을 통해 결제가 승인되면, 가맹점 클라이언트(400)와 지문 또는/및 지정맥 결제 서비스 서버(100)로 결제가 승인되었음을 알려준다. 단계 S170에서 지문 또는/및 지정맥 결제 서비스 서버(100)가 고객 클라이언트(200)로 결제 승인 결과를 전송하고, 단계 S172에서 가맹점 클라이언트(400)는 결제 승인되었음을 확인하고, 이어서 단계 S174에서 고객 클라이언트(200)는 결제 승인되었음을 확인한다.In step S168, if the credit card company server 300 is approved through the payment means corresponding to the fingerprint or / and finger vein information requested for payment, the merchant client 400 and the fingerprint or / and finger vein payment service server 100 To confirm that the payment was approved. In operation S170, the fingerprint or / and finger vein payment service server 100 transmits a payment approval result to the client client 200, in step S172, the affiliated client client 400 confirms that the payment is approved, and then, in step S174, the client client 200 confirms that payment has been approved.
따라서 본 발명의 지문 또는/및 지정맥 인증을 이용한 전자 결제 시스템(2)은 고객의 지문 또는/및 지정맥 정보를 지문 또는/및 지정맥 결제 서비스 서버(100)에 등록하고, 이를 통해 가맹점 클라이언트(400)로부터 상거래 발생 시, 지문 또는/및 지정맥 정보를 판별하여 고객의 지문 또는/및 지정맥 정보에 매칭된 결제 수단을 통해 결제가 이루어지도록 처리한다.Therefore, the electronic payment system (2) using the fingerprint or / and finger vein authentication of the present invention registers the fingerprint or / and finger vein information of the customer to the fingerprint or / and finger vein payment service server 100, through which the merchant client When the commerce occurs from 400, the fingerprint or / and the finger vein information is determined to process the payment is made through the payment means matched to the fingerprint or / and finger vein information of the customer.
다음은 본 발명자가 개발한 지문과 지문 또는/및 지정맥을 동시에 인정할 수 있는 장치를 이해함으로서, 지문 또는/및 지정맥의 패턴을 카드에 탑재할 수 있는 기술을 이해할 수 있을 것이다.Next, by understanding the device that can recognize the fingerprint and the fingerprint or / and the finger vein developed by the present inventor, it will be able to understand the technology that can mount the pattern of the fingerprint or / and finger vein on the card.
도 5는 본 발명의 인증장치(1200)의 외부 전자적 구성 예를 나타내는 도면이고, 도 6은 지문 또는/및 지정맥 카메라와 손가락지문 카메라가 촬영하는 동일한 손가락의 손가락지문면(a)과 측면(b)을 나타낸 도면이다.5 is a view showing an external electronic configuration example of the authentication device 1200 of the present invention, Figure 6 is a finger fingerprint surface (a) and the side ( b).
도 6의 미설명부호 1a는 손가락마디 사이의 지문 또는/및 지정맥의 부분이고, 1b는 손가락의 마디, 1c는 지문 부분을 가리킨다.Reference numeral 1a in FIG. 6 denotes a portion of a fingerprint or / and a finger vein between the nodes of a finger, 1b denotes a node of a finger, and 1c denotes a fingerprint portion.
지문과 지문 또는/및 지정맥을 촬영할 수 있는 통합촬영인증장치(인식기)(1200)으로서, 오브젝트 수용부(1201)는 상하로 손가락 안착부를 형성하는 스캔패널상부케이스(1201a) 및 이의 전장부를 수용하는 스캔패널하부케이스(1201b)로 구성되며, 상기 스캔패널상부케이스(1201a)의 상부에는 유리 또는 아크릴 등의 투명소재로 이루어진 지문과 지문 또는/및 지정맥의 동시 촬영하는 스캔패널(1250)이 설치되고, 상기 스캔패널(1250)은 지문손가락접촉부(1250a)와 지문 또는/및 지정맥손가락비접촉부(1250b)가 전후로 단을 이루면서 형성되어 있다.An integrated photographing authentication apparatus (recognizer) 1200 capable of capturing fingerprints and fingerprints and / or finger veins, the object accommodating portion 1201 accommodates a scan panel upper case 1201a and its entire length forming a finger seat up and down. Scan panel lower case 1201b is configured, the upper portion of the scan panel upper case 1201a is a scan panel 1250 for simultaneously photographing the fingerprint and / or finger vein made of a transparent material such as glass or acrylic The scan panel 1250 is formed by forming a fingerprint finger contact portion 1250a and a fingerprint or / and finger vein non-contact portion 1250b in a step forward and backward.
상기 스캔패널(1250)의 지문 또는/및 지정맥손가락비접촉부(1250b)가 홈으로 형성될 수 있도록 홈측벽(1251)으로 가장자리에 형성되어 있고, 그 상단 주위로 손가락을 얹어 놓을 수 있도록 손가락안착부(1252)가 지문손가락접촉부(1250a)와 평형하게 형성되어 있다.Fingerprint or / and finger vein non-contact portion (1250b) of the scan panel 1250 is formed at the edge of the groove side wall (1251) so that it can be formed into a groove, the finger seating so that the finger can be placed around the upper end The portion 1252 is formed in equilibrium with the fingerprint finger contact portion 1250a.
또한, 손가락의 혈류 흐름의 온도를 감지하는 온도센서(1275)가 스캔패널(1250)의 지문손가락접촉부(1250a)에 대향하여 지문 또는/및 지정맥손가락비접촉부(1250b)의 전방으로 형성함으로써, 손가락을 착지시킬경우 손가락의 혈류의 온도를 감지하여 감지된 온도에 의하여 이의 작동이 가능하도록 형성되어 있다.In addition, the temperature sensor 1275 for sensing the temperature of the blood flow of the finger is formed in front of the fingerprint or / and non-finger finger contact 1250b to face the fingerprint finger contact portion 1250a of the scan panel 1250, When the finger is landing, it detects the temperature of blood flow of the finger and is formed to enable its operation by the detected temperature.
그리고, 일측면에는 지문 또는/및 지정맥을 더 정확하게 촬영하기 위하여 측면에서 촬영할 수 있도록 적외선측면발신부(1260a)를 수용하는 적외선측면발신부케이스(1260)가 길이로 형성되어 있다.In addition, one side has an infrared side emitting unit case 1260 having an infrared side emitting unit 1260a to be photographed from the side in order to capture the fingerprint or / and finger vein more accurately.
상기 스캔패널하부케이스(1201b)는 전장품을 수용할 수 있는 공간으로 형성하게 된다.The scan panel lower case 1201b is formed as a space for accommodating electrical equipment.
그리고, 손가락이 안착될 수 있는 손가락안착테두리(1253)가 형성된다. Then, a finger seating rim 1253 to which the finger is seated is formed.
따라서, 본 발명의 제1 실시예에서, 사용자는 손가락 오브젝트를 이 스캔 패널(250) 위에 대어 지문 또는/및 지정맥 인증을 개시하며, 상기 장치에 의한 지문 또는/및 지정맥 인증이 개시되면, 적외선 광원부(1240)와 가시선 광원부(1242)가 손가락 오브젝트를 향해서 적외선과 가시선을 조사한다.Thus, in the first embodiment of the present invention, the user initiates fingerprint or / and finger vein authentication by placing a finger object over the scan panel 250, and when fingerprint or / and finger vein authentication by the device is initiated, The infrared light source unit 1240 and the visible light source unit 1242 irradiate infrared rays and visible lines toward the finger object.
그리고, 다수개의 이미지센서가 각각 조사된 손가락의 지문과 지문 또는/및 지정맥을 촬영하게 된다.A plurality of image sensors respectively photograph the fingerprint and the fingerprint or / and the finger vein of the irradiated finger.
본 발명의 제1 실시예에서 통합촬영인증장치(인식기)(1200)에는 2 대의 이미지센서(1220, 1230)가 내장되어 있다. 지정맥 이미지센서(1230)는 오브젝트 수용부(1201) 안에 내장되어 설치되며, 스캔 패널(1250)을 향해 하부에서 오브젝트의 지정맥을 촬영한다. 또한 거의 동시에 손가락지문이미지센서(1220)가 동일한 오브젝트 수용부(1201) 안에 설치되어 오브젝트의 손가락지문을 촬영한다.In the first embodiment of the present invention, the integrated photographing authentication device (recognizer) 1200 includes two image sensors 1220 and 1230. The finger vein image sensor 1230 is installed inside the object receiving unit 1201 and photographs the finger vein of the object from below toward the scan panel 1250. Also, at the same time, the finger fingerprint image sensor 1220 is installed in the same object receiving unit 1201 to photograph the finger fingerprint of the object.
본 발명의 제2 실시예로서, 사용자는 손가락 오브젝트를 이 스캔 패널(1250) 위에 대어 지문 또는/및 지정맥 인증을 개시하며, 상기 장치에 의한 지문 또는/및 지정맥 인증이 개시되면, 적외선 광원부(1240)(1241)와 가시선 광원부(1242)가 손가락 오브젝트를 향해서 적외선과 가시선을 조사한다.As a second embodiment of the present invention, a user initiates fingerprint or / and finger vein authentication by placing a finger object on the scan panel 1250, and when fingerprint or / and finger vein authentication by the device is initiated, an infrared light source unit (1240) 1241 and visible line light source 1242 irradiate infrared rays and visible lines toward the finger object.
그리고 이들의 이미지센서가 각각 조사된 손가락의 지문과 지정맥을 촬영하게 된다.And these image sensors are to photograph the fingerprint and finger vein of the irradiated finger, respectively.
본 발명의 제2 실시예에서 통합촬영인증장치(인식기)(1200)에는 3 대의 이미지센서(1220, 1230, 1231)가 내장되어 있다. 지정맥 이미지센서(1230)(1231)는 오브젝트 수용부(1201) 안에 내장되어 설치되며, 스캔패널(1250)을 향해 하부 및 측면에서 오브젝트의 지정맥을 촬영한다. 또한 거의 동시에 손가락지문이미지센서(1220)가 동일한 오브젝트 수용부(1201) 안에 설치되어 오브젝트의 손가락지문을 촬영한다.In the second embodiment of the present invention, the integrated photographing authentication device (recognizer) 1200 includes three image sensors 1220, 1230, and 1231. The finger vein image sensors 1230 and 1231 are embedded in the object receiving unit 1201 and installed to photograph the finger vein of the object from the lower side and the side toward the scan panel 1250. Also, at the same time, the finger fingerprint image sensor 1220 is installed in the same object receiving unit 1201 to photograph the finger fingerprint of the object.
본 발명의 바람직한 어느 실시예에서는 지정맥이미지센서(1230)(1231)와 손가락지문이미지센서(1220)는 손가락의 지정맥과 손가락지문을 동시에 촬영하여 둘 다 생체정보로 사용함으로써 하나의 지정맥을 측정하기 위하여 각각 촬영했을 때보다 오차범위를 최대 제곱 분의 일로 줄일 수 있다. In a preferred embodiment of the present invention, the finger vein image sensor 1230 and 1231 and the finger fingerprint image sensor 1220 simultaneously photograph the finger vein and the finger fingerprint of the finger to use both of the finger vein by using biometric information For measurement purposes, the margin of error can be reduced to one-third of the square than when shooting individually.
본 발명의 바람직한 실시예에서는 상기 지정맥이미지센서(1230)(1231)와 손가락지문이미지센서(1220)는 한 개의 손가락의 지정맥과 손가락지문을 한번으로 촬영할 수 있되, 지정맥은 손가락지문면과 90도 측면에서 촬영함으로써 하나의 손가락에 의하여 동시에 지문과 지정맥 이미지를 얻어 동일한 오차범위 축소화의 효과를 얻을 수 있다. 손가락의 측면을 촬영할 때는 손가락을 스캔패널에 올려놓은 상태에서 90도 측면으로 굴려서 측면이 스캔패널에 닿도록 한다.In a preferred embodiment of the present invention, the finger vein image sensor 1230 and 1231 and the finger fingerprint image sensor 1220 can shoot the finger vein and finger fingerprint of one finger at a time, the finger vein and the finger fingerprint surface and By photographing from the 90 degree side, the same error range reduction can be obtained by simultaneously obtaining a fingerprint and a finger vein image by one finger. When shooting the side of your finger, with your finger on the scan panel, roll it 90 degrees so that the side touches the scan panel.
도 7은 본 발명의 바람직한 어느 실시 예에 따른 지문 또는/및 지정맥 촬영 인증장치(1200)의 내부 전자적 구성 예를 나타낸다. 7 illustrates an example of an internal electronic configuration of the fingerprint or / and finger vein photographing authentication device 1200 according to an exemplary embodiment of the present invention.
본 발명의 통합촬영인증장치(인식기)(1200)는 적외선광원부(1240), 지정맥이미지센서(1230), 손가락지문이미지센서(1220), 디지털 변환부(1290), 복호화 알고리즘부(1260), 생체정보 데이터 저장소(1270) 및 표시부(1280)를 포함한다. Integrated photographing authentication device (recognizer) 1200 of the present invention is an infrared light source 1240, finger vein image sensor 1230, finger fingerprint image sensor 1220, digital converter 1290, decryption algorithm unit 1260, Biometric data storage 1270 and display unit 1280.
또한, 도면에는 표시되어 있지 않지만, 전원부, 통신부 및 다양한 I/O 디바이스를 포함할 수 있다.In addition, although not shown in the drawings, it may include a power supply unit, a communication unit, and various I / O devices.
적외선 광원부(1240)는 오브젝트 수용부를 향하여 적외선 광을 조사한다. 바람직하게는 지정맥 이미지를 촬상하기 적합한 630~1,000nm 파장의 적외선광을 방출하는 것으로서 1개 이상의 LED로 구성될 수 있다. 또한 바람직하게는 광학필터가 설치되어 광 노이즈를 제거하도록 할 수 있다. The infrared light source unit 1240 irradiates infrared light toward the object accommodating unit. Preferably it can be composed of one or more LEDs that emit infrared light of 630 ~ 1,000nm wavelength suitable for imaging the finger vein image. Also, preferably, an optical filter may be installed to remove optical noise.
가시선 광원부(1242)는 오브젝트 수용부를 향하여 가시광선을 조사한다. 손가락 표면의 손가락지문을 촬영하기 적합한 파장의 자외선광을 방출하는 것으로써, 1개 이상의 LED로 구성될 수 있다.The visible light source part 1242 irradiates visible light toward the object accommodating part. It can be composed of one or more LEDs by emitting ultraviolet light of a wavelength suitable for capturing the fingerprint of the finger surface.
또한, 본 발명의 어떤 실시 예에서는 오브젝트 수용부를 향해 적외선광과 가시선광을 조사하는 적외선 광원부(1240)와 가시선광원부(1242)가 각각 하나 설치될 수 있다. In addition, in some embodiments of the present invention, one infrared light source unit 1240 and one visible light source unit 1242 may be provided to irradiate infrared light and visible light toward the object receiving unit.
본 발명의 다른 실시예에서는 적외선 광원부(1240)와 가시선 광원부(1242)를 오브젝트 수용부(1101) 안에 여러 개 설치하여 오브젝트에 골고루 적외선과 가시선이 도달하도록 하여 이미지 획득에 최적화할 수 있다.According to another exemplary embodiment of the present invention, the infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object receiving unit 1101 so that the infrared and visible lines reach the object evenly, thereby optimizing for image acquisition.
본 발명의 바람직한 실시 예에서 지정맥이미지센서(1220)(1230)는 하부 및 측부에서 1 개의 손가락 오브젝트 대한 지정맥 이미지를 획득한다. In a preferred embodiment of the present invention, the finger vein image sensor 1220, 1230 obtains a finger vein image for one finger object at the bottom and side.
본 발명의 다른 바람직한 실시 예에서 지정맥이미지센서(1230)는 하나의 손가락 오브젝트 대한 지문면과 측면의 지정맥 이미지를 획득한다. In another preferred embodiment of the present invention, the finger vein image sensor 1230 obtains the finger vein image of the fingerprint surface and the side for one finger object.
상기 도 6(a),(b)에 나타난 것처럼, 한 손가락의 안쪽 표면과 측면에서 각각 적외선을 촬영하는 각도를 말한다. As shown in Fig. 6 (a), (b), it refers to the angle to shoot infrared light from the inner surface and side of each finger.
손가락 오브젝트의 정면 이미지 촬영시 손가락의 손가락지문면이 스캔패널에 닿도록 올려놓고 촬영하고, 지정맥이미지센서(1220)(1230)의 수에 따라 측면 이미지 촬영시 손가락을 그대로 옆으로 90도 굴려서 측면이 스캔패널에 닿도록 한다. 손가락의 손가락지문면과 측면의 촬영 순서는 서로 바뀔 수 있다.When shooting the front image of the finger object, the image is placed so that the finger fingerprint surface of the finger touches the scanning panel, and according to the number of finger vein image sensors 1220 and 1230, the side of the finger is rolled 90 degrees to the side. Touch this scan panel. The photographing order of the finger fingerprint surface and the side of the finger may be interchanged.
디지털 변환부(1290)는 상기 지문 또는/및 지정맥 이미지와 손가락지문 이미지를 모두 받아들여 지정맥과 손가락지문이미지로 추출해낸다. 디지털 변환부(1250)에 의해서 본 발명은 손가락에 대한 지정맥과 손가락지문 이미지 파일을 얻는다. The digital converter 1290 receives both the fingerprint or / and the finger vein image and the finger fingerprint image and extracts the finger vein and the finger fingerprint image. By the digital conversion unit 1250, the present invention obtains the finger vein and finger fingerprint image file for the finger.
제어부(1210)는 디지털 변환부(1290)에서 변환된 이미지 파일들이 매칭알고리즘부(1260)로 전달되도록 한다.The controller 1210 allows the image files converted by the digital converter 1290 to be delivered to the matching algorithm unit 1260.
생체정보 데이터 저장소(1270)에는 사전에 저장된 사용자의 생체정보가 보관되어 있다. 본 발명의 어느 실시 예에 있어서 생체정보 데이터 저장소(1270)는 인증장치(1200) 내부 메모리에 구축될 수 있다. The biometric data storage 1270 stores biometric information of a user stored in advance. In some embodiments of the present disclosure, the biometric data store 1270 may be built in an internal memory of the authentication device 1200.
생체정보 데이터 저장소(1270)는 외부로부터의 하드웨어, 소프트웨어적 공격이나 도난으로부터 보호될 수 있는 암호프로세서(Crypto-processor)를 사용할 수 있다.The biometric data store 1270 may use a crypto-processor that can be protected from external hardware, software attacks or theft.
매칭 알고리즘부(1260)는 상기 생체정보 데이터 저장소(1270)에 저장되어 있는 사용자의 데이터를 획득한 후, 디지털 변환부(1290)에서 획득한 사용자 생체정보값과 일치하는지 여부를 판단한다. 일치하는 경우 표시부(1280)를 통해서 성공 메시지를 출력할 수 있다. 만약 복호화 실패시에는 표시부(1280)에 인증 실패 메시지를 출력할 수 있다.The matching algorithm unit 1260 acquires user data stored in the biometric data storage 1270 and then determines whether the matching algorithm 1260 matches the user biometric information obtained by the digital converter 1290. If it matches, the success message may be output through the display unit 1280. If the decryption fails, the authentication failure message may be output to the display unit 1280.
제어부(1210)는 인증장치(1200)의 동작과 기능을 제어한다. The controller 1210 controls the operation and function of the authentication device 1200.
특히 지문 또는/및 지정맥 이미지 획득, 처리, 인증 연산 및 인증결과를 판단한다. 획득한 지문 또는/및 지정맥 이미지의 처리와 연산에 관련해서는 다양한 소프트웨어를 이용할 수 있다. In particular, fingerprint or / and finger vein image acquisition, processing, authentication operations and authentication results are determined. A variety of software is available for processing and computing acquired fingerprints and / or finger vein images.
예컨대 캐니 모서리 감지(Canny edge detector) 알고리즘을 사용할 수 있다. 가우스 필터(Gaussian Filter)를 적용하여 원본 이미지의 노이즈를 전체적으로 제거할 수 있다. 이미지 그레디언트(Image Gradient)를 통해서 이미지를 모서리화한다. 즉 이미지의 스케치 선을 추출한다. Non-maximum Supression을 적용하여 모서리(스케치선)을 얇게 만드는 작업을 실시하고, 이중 한계점(Double Threshold)를 적용하여 진한 모서리는 확실한 모서리로 분류하고, 희미한 모서리는 노이즈로 간주하여 약한 모서리로 분류한다. 그리고 마지막으로 약한 모서리들을 삭제하고, 확실한 모서리만 남기고, 최종적으로 지정맥의 모서리화된 이미지를 출력하는 것이다.For example, the Canny edge detector algorithm can be used. Gaussian filter can be applied to remove the noise of the original image as a whole. Edge the image through an Image Gradient. In other words, the sketch line of the image is extracted. Apply the Non-maximum Supression to thin the edges (sketch line), and apply the Double Threshold to classify dark edges as solid edges and faint edges as noises as weak edges. . Finally, it deletes the weak edges, leaves only the obvious edges, and finally prints the edged image of the finger vein.
본 발명의 인증장치는 예컨대 손가락의 지문이미지와 지정맥 데이터를 동시에 활용하여 인증함으로써 오인식률을 획기적으로 줄였다. For example, the authentication device of the present invention dramatically reduces the false recognition rate by authenticating by using the fingerprint image and finger vein data of the finger at the same time.
본 발명에서 하나의 손가락을 사용하여 인증하는 방법을 서술한 것이나, 화상 등의 안정성을 위하여 3개 손가락의 지문 또는/및 지정맥을 동일한 매커니즘을 적용할 수 있다.In the present invention, a method of authenticating using one finger is described, but the same mechanism may be applied to the fingerprints and / or finger veins of three fingers for stability of an image or the like.
도 8은 본 발명의 제2 실시예로서 인증장치(200a)의 외부 전자적 구성 예를 나타내는 도면이다.8 is a diagram showing an external electronic configuration example of the authentication apparatus 200a as the second embodiment of the present invention.
도 8은 본 발명의 제2 실시예로서, 도 5에 나타난 실시예와 대다수 동일하나, 지문인식부에서 제2 실시예에서는 통합촬영인증장치(인식기)(1200)에 3 대의 이미지센서(1220, 1230, 1231)가 내장되어 있으나, 이중 손가락지문이미지센서(1220) 대신에 지문인식모듈(250aa)을 형성하여 지문의 접촉에 의하여 지문을 판단할 수 있는 방법을 제공하고 있다.FIG. 8 is a second embodiment of the present invention, which is largely the same as the embodiment shown in FIG. 5, but in the second embodiment in the fingerprint recognition unit, three image sensors 1220, in the integrated photographing authentication device (recognizer) 1200, are illustrated. Although 1230 and 1231 are built in, a fingerprint recognition module 250aa is formed instead of the double finger fingerprint image sensor 1220 to provide a method of determining a fingerprint by contact of a fingerprint.
이러한 지문인식모듈(250aa)은 다층의 박판구조로 되어 있고, 지문인증모듈의 상층부에 지문인식층이 형성되어 있으며, 그 하부에 온도 및 혈류 감지인증층이 형성되어 인체의 온도 및 혈류를 감지한 후에 이의 작동을 시작할 수 있도록 형성될 수 있다.The fingerprint recognition module 250aa has a multi-layered thin plate structure, a fingerprint recognition layer is formed on the upper layer of the fingerprint authentication module, and a temperature and blood flow detection authentication layer is formed at the bottom thereof to detect the temperature and blood flow of the human body. It can be configured to start its operation later.
즉, 도 8에서 보는 바와 같이, 본 발명은 지문과 지정맥을 촬영할 수 있는 통합촬영인증장치(인식기)(200)으로서, 오브젝트 수용부(201)는 상하로 손가락 안착부를 형성하는 스캔패널상부케이스(201a) 및 이의 전장부를 수용하는 스캔패널하부케이스(201b)로 구성되며, 상기 스캔패널상부케이스(201a)의 상부에는 유리 또는 아크릴 등의 투명소재로 이루어진 지문과 지정맥의 동시 촬영하는 스캔패널(250)이 설치되고, 상기 스캔패널(250)은 지문손가락접촉부(250a)와 지정맥손가락비접촉부(250b)가 전후로 단을 이루면서 형성되어 있다.That is, as shown in Figure 8, the present invention is an integrated photographing authentication device (recognizer) 200 that can photograph the fingerprint and finger vein, the object receiving unit 201 is a scan panel upper case to form a finger seat up and down 201a and a scan panel lower case 201b for accommodating the full length thereof, and a scan panel for simultaneously capturing fingerprints and finger veins on the upper portion of the scan panel upper case 201a made of a transparent material such as glass or acrylic. 250 is installed, and the scan panel 250 is formed while the fingerprint finger contact portion 250a and the fingertip non-contact portion 250b form a stage back and forth.
상기 스캔패널(250)의 지정맥손가락비접촉부(250b)가 홈으로 형성될 수 있도록 홈측벽(251)으로 가장자리에 형성되어 있고, 그 상단 주위로 손가락을 얹어 놓을 수 있도록 손가락안착부(252)가 지문손가락접촉부(250a)와 평형하게 형성되어 있다.The non-finger finger contact portion 250b of the scan panel 250 is formed at the edge of the groove side wall 251 to be formed as a groove, and the finger seating portion 252 to place the finger around the upper end thereof. Is formed in equilibrium with the fingerprint finger contact portion 250a.
또한, 손가락의 혈류 흐름의 온도를 감지하는 온도센서(275)가 스캔패널(250)의 지문손가락접촉부(250a)에 대향하여 지정맥손가락비접촉부(250b)의 전방으로 형성함으로써, 손가락을 착지시킬경우 손가락의 온도 및 혈류의 흐름을 감지하여 감지된 온도 및 흐름에 의하여 지정맥의 인식이 가능하도록 형성되어 있다.In addition, the temperature sensor 275 for sensing the temperature of the blood flow of the finger is formed in front of the non-finger finger contact portion 250b opposite the fingerprint finger contact portion 250a of the scan panel 250, thereby landing the finger. In this case, by sensing the temperature of the finger and the flow of blood flow, the finger vein is formed by the detected temperature and flow.
그리고, 일측면에는 지정맥을 더 정확하게 촬영하기 위하여 측면에서 촬영할 수 있도록 적외선측면발신부(260a)를 수용하는 적외선측면발신부케이스(260)가 길이로 형성되어 있다.In addition, an infrared side emitting unit case 260 is formed in one side to accommodate the infrared side emitting unit 260a so that the side vein can be photographed in order to capture the finger vein more accurately.
상기 스캔패널하부케이스(201b)는 전장품을 수용할 수 있는 공간으로 형성하게 된다.The scan panel lower case 201b is formed as a space that can accommodate the electrical equipment.
그리고, 손가락이 안착될 수 있는 손가락안착테두리(253)가 형성된다.Then, a finger seating border 253 to which the finger is seated is formed.
따라서, 본 발명의 제1 실시예에서, 사용자는 손가락 오브젝트를 이 스캔 패널(250) 위에 대어 지정맥 인증을 개시하며, 상기 장치에 의한 지정맥 인증이 개시되면, 하부 또는 측면에 형성된 적외선 광원부(240)(241)가 선택적으로 형성하여 손가락 오브젝트를 향해서 적외선을 조사한다.Therefore, in the first embodiment of the present invention, the user initiates finger vein authentication by placing a finger object on the scan panel 250, and when the finger vein authentication by the apparatus is started, an infrared light source unit formed at the bottom or side ( 240 and 241 are selectively formed to irradiate infrared rays toward the finger object.
그리고 다수의 이미지센서가 각각 조사된 손가락의 지문과 지정맥을 촬영하게 된다.A plurality of image sensors respectively photograph the fingerprint and finger vein of the irradiated finger.
본 발명의 제2 실시예에서 통합촬영인증장치(인식기)(200a)에는 2 대의 이미지센서(230, 231)가 내장되어 있다. 지정맥 이미지센서(230)는 오브젝트 수용부(201) 안에 내장되어 설치되며, 스캔 패널(250)을 향해 하부에서 오브젝트의 지정맥을 촬영한다. In the second embodiment of the present invention, the integrated photographing authentication device (recognizer) 200a includes two image sensors 230 and 231. The finger vein image sensor 230 is installed in the object receiving unit 201 and photographs the finger vein of the object from the lower side toward the scan panel 250.
그리고, 손가락의 측면을 이용한 지정맥인증시나 설계상 손가락의 방향을 바꾸어 90도 각도로 세울 경우에는 이미지센서(231)는 오브젝트 수용부(201)의 측부에 형성된 적외선측면발신부케이스(260) 안에 내장되어 설치되며, 스캔 패널(250)을 향해 측부에서 오브젝트의 지정맥을 촬영한다. And, when the finger vein authentication using the side of the finger or in the design by changing the direction of the finger to stand at an angle of 90 degrees, the image sensor 231 is in the infrared side emitting part case 260 formed on the side of the object receiving portion 201 Built-in is installed, the finger vein of the object is photographed from the side toward the scan panel 250.
또한, 거의 동시에 스캔패널(250)의 지문손가락접촉부(250a)에 형성된 지문인식모듈(250aa)에 의하여 지문의 접촉만으로 지문을 판단할 수 있는 방법을 제공하고 있다.In addition, the fingerprint recognition module 250aa formed at the fingerprint finger contact portion 250a of the scan panel 250 provides a method of determining a fingerprint by only touching the fingerprint.
상기 지문인식모듈(250aa)의 사이즈는 1cm*1cm*0.3cm 정도의 크기로 어느 곳에 부착하여도 그 인식율이 뛰어나게 되어 있다.The fingerprint recognition module 250aa has a size of about 1cm * 1cm * 0.3cm and is excellent in its recognition rate even if it is attached anywhere.
본 발명의 제2 실시예로서, 사용자는 손가락 오브젝트를 이 스캔 패널(250) 위에 대어 지정맥 인증을 개시하며, 상기 장치에 의한 지정맥 인증이 개시되면, 적외선 광원부(240)(241)가 손가락 오브젝트를 향해서 적외선을 조사한다.As a second embodiment of the present invention, a user initiates finger vein authentication by placing a finger object on the scan panel 250, and when finger vein authentication is started by the device, the infrared light source unit 240, 241 performs a finger finger. Irradiate infrared toward the object.
그리고 이들의 이미지센서가 각각 조사된 손가락의 지문과 지정맥을 촬영하게 된다.And these image sensors are to photograph the fingerprint and finger vein of the irradiated finger, respectively.
본 발명의 제2 실시예에서 통합촬영인증장치(인식기)(200a)에는 2 대의 이미지센서(230, 231)가 내장되어 있다. 지정맥 이미지센서(230)(231)는 오브젝트 수용부(201) 안에 내장되어 설치되며, 스캔 패널(250)을 향해 하부 및 측면에서 오브젝트의 지정맥을 촬영한다. 또한 거의 동시에 지문인식모듈(250aa)이 동일한 오브젝트 수용부(201) 안에 설치되어 오브젝트의 손가락지문을 촬영한다.In the second embodiment of the present invention, the integrated photographing authentication device (recognizer) 200a includes two image sensors 230 and 231. The finger vein image sensors 230 and 231 are installed in the object receiving unit 201 and photograph the finger vein of the object from the lower side and the side toward the scan panel 250. Also, at the same time, the fingerprint recognition module 250aa is installed in the same object receiving unit 201 to photograph the fingerprint of the object.
본 발명의 바람직한 어느 실시예에서는 지정맥이미지센서(230)(231)와 지문인식모듈(250aa)은 손가락의 지정맥과 손가락지문을 동시에 촬영하여 둘 다 생체정보로 사용함으로써 하나의 지문이나 지정맥을 측정하기 위하여 각각 촬영했을 때보다 오차범위를 최대 제곱 분의 일로 줄일 수 있다. In a preferred embodiment of the present invention, the finger vein image sensor 230, 231 and the fingerprint recognition module 250aa simultaneously photograph the finger vein and finger fingerprint of the finger and use both of them as biometric information so that one fingerprint or finger vein is used. In order to measure the error range, the error range can be reduced to one-th of the largest square than when photographed separately.
본 발명의 바람직한 실시예에서는 상기 지정맥이미지센서(230)(231)와 손가락지문이미지센서(220)는 한 개의 손가락의 지정맥과 손가락지문을 한번으로 촬영할 수 있되, 지정맥은 손가락지문면과 수평 또는 90도로 세워 촬영함으로써 하나의 손가락에 의하여 동시에 지문과 지정맥 이미지를 얻어 동일한 오차범위 축소화의 효과를 얻을 수 있다. In a preferred embodiment of the present invention, the finger vein image sensor 230, 231 and the finger fingerprint image sensor 220 can shoot the finger vein and finger fingerprint of one finger at a time, the finger vein and the finger fingerprint surface and By photographing horizontally or at an angle of 90 degrees, a fingerprint and finger vein image can be simultaneously acquired by a single finger, and the same error range can be reduced.
도 9는 본 발명의 어느 실시예에 따른 인증장치(200)의 2개의 손가락에 대한 지문과 지정맥의 이미지 획득 메커니즘을 개념적으로 나타내는 도면이고, 도 10은 본 발명의 어느 실시예에 따른 인증장치(200)의 2개의 손가락에 대한 지문의 이미지 획득 메커니즘을 개념적으로 나타내는 도면이다.9 is a diagram conceptually illustrating an image acquisition mechanism of a fingerprint and a finger vein for two fingers of an authentication apparatus 200 according to an embodiment of the present invention, and FIG. 10 is an authentication device according to an embodiment of the present invention. A conceptual diagram illustrating an image acquisition mechanism of a fingerprint for two fingers of 200.
도 9에서 보는 바와 같이, 본 발명은 지문과 지정맥을 촬영할 수 있는 통합촬영인증장치(인식기)(200)으로서, 오브젝트 수용부(201)는 상하로 손가락 안착부를 형성하는 스캔패널상부케이스(201a) 및 이의 전장부를 수용하는 스캔패널하부케이스(201b)로 구성되며, 상기 스캔패널상부케이스(201a)의 상부에는 유리 또는 아크릴 등의 투명소재로 이루어진 2개 손가락의 지문과 지정맥의 동시 촬영하는 2개의 스캔패널(250n)(250r)이 설치되고, 상기 2개의 스캔패널(250n)(250r)은 지문손가락접촉부(250an)(250ar)와 지정맥손가락비접촉부(250bn)(250br)가 전후로 단을 이루면서 형성되어 있다.As shown in FIG. 9, the present invention is an integrated photographing authentication apparatus (recognizer) 200 capable of capturing a fingerprint and a finger vein, and an object accommodating part 201 forms an upper and lower finger seating part 201a. ) And a scan panel lower case 201b for accommodating the full length thereof, and at the top of the scan panel upper case 201a, the fingerprint and finger vein of two fingers made of a transparent material such as glass or acrylic are simultaneously photographed. Two scan panels 250n and 250r are installed, and the two scan panels 250n and 250r have the fingerprint finger contact portions 250an and 250ar and the non-finger finger contact portions 250bn and 250br. It is formed while forming.
상기 어느 한쪽의 스캔패널(250n)의 지정맥손가락비접촉부(250bn)가 홈으로 형성될 수 있도록 홈측벽(251)으로 가장자리에 형성되어 있고, 그 상단 주위로 손가락을 얹어 놓을 수 있도록 손가락안착부(252)가 지문손가락접촉부(250a)와 평형하게 형성되어 있다.The finger vein non-contact portion 250bn of the scan panel 250n is formed at the edge of the groove side wall 251 to be formed as a groove, and a finger seating portion for placing a finger around the upper end thereof. 252 is formed in parallel with the fingerprint finger contact portion 250a.
또한, 손가락의 혈류 흐름 또는 온도를 감지하는 온도센서(275)가 스캔패널(250)의 지문손가락접촉부(250an)에 대향하여 지정맥손가락비접촉부(250bn)의 전방으로 형성함으로써, 손가락을 착지시킬경우 손가락의 온도 또는 혈류의 흐름을 감지하여 감지된 온도 또는 흐름에 의하여 지정맥의 인식이 가능하도록 형성되어 있다.In addition, the temperature sensor 275 for detecting a blood flow or temperature of the finger is formed in front of the finger non-contact portion 250bn facing the fingerprint finger contact portion 250an of the scan panel 250, thereby landing the finger. In this case, by detecting the temperature of the finger or the flow of blood flow is formed to recognize the finger vein by the detected temperature or flow.
더구나, 상기 스캔패널의 지문손가락접촉부(250aa)(250ab)의 하부에 손가락의 혈류 흐름 또는 온도를 감지하는 온도센서(205a)(205b)가 형성되거나 상기 지문인증모듈(250aa)(250ab)의 어느 하나의 층에 손가락의 혈류 흐름 또는 온도를 인증하는 박판층을 형성하여, 생체가 동시에 인증하지 않을 경우에는 이의 작동이 ㄷ되지 않도록 하게 되는 것이다.In addition, temperature sensors 205a and 205b for detecting a blood flow or a temperature of a finger are formed below the fingerprint finger contacts 250aa and 250ab of the scan panel, or any of the fingerprint authentication modules 250aa and 250ab. Forming a thin layer for authenticating the blood flow or temperature of the finger in one layer, so that the operation is not performed if the living body does not authenticate at the same time.
즉, 상기 온도센서(275) 대신에 지문인식모듈(250an)(250ar)이 형성될 수 있는데, 이는 다층의 박판구조로 되어 있고, 지문인증모듈의 상층부에 지문인식층이 형성되어 있으며, 그 하부에 온도 및 혈류 감지인증층이 형성되어 인체의 온도 및 혈류를 감지한 후에 이의 작동을 시작할 수 있도록 형성될 수 있다.That is, the fingerprint recognition modules 250an and 250ar may be formed instead of the temperature sensor 275, which has a multi-layered thin plate structure, and a fingerprint recognition layer is formed on an upper layer of the fingerprint authentication module. The temperature and blood flow detection authentication layer may be formed to detect the temperature and blood flow of the human body and then start the operation thereof.
그리고, 일측면에는 지정맥을 더 정확하게 촬영하기 위하여 측면에서 촬영할 수 있도록 적외선측면발신부(260a)를 수용하는 적외선측면발신부케이스(260)가 길이로 형성되어 있다.In addition, an infrared side emitting unit case 260 is formed in one side to accommodate the infrared side emitting unit 260a so that the side vein can be photographed in order to capture the finger vein more accurately.
또한, 사용자는 손가락 오브젝트를 이 스캔 패널(250n)(250r) 위에 대어 지정맥 인증을 개시하며, 상기 장치에 의한 지정맥 인증이 개시되면, 좌우측면에서 적외선 광원부(241)(243)와 하부측에서 적외선 광원부(240)(244)가 손가락 오브젝트를 향해서 적외선을 조사한다.Further, the user starts finger vein authentication by placing a finger object on the scan panels 250n and 250r, and when finger vein authentication is started by the apparatus, the infrared light source parts 241 and 243 and the lower side are displayed on the left and right sides. Infrared light source unit 240, 244 irradiates the infrared toward the finger object.
그리고 이들의 좌우측 이미지센서(231)(232)와 하측 이미지센서(230)(233)가 각각 조사된 손가락의 지정맥을 촬영하게 된다.The left and right image sensors 231 and 232 and the lower image sensors 230 and 233 respectively photograph the finger vein of the irradiated finger.
상기 스캔패널하부케이스(201b)는 전장품을 수용할 수 있는 공간으로 형성하게 된다.The scan panel lower case 201b is formed as a space that can accommodate the electrical equipment.
그리고, 손가락이 안착될 수 있는 손가락안착테두리(253)가 형성된다.Then, a finger seating border 253 to which the finger is seated is formed.
따라서, 본 발명의 실시예에서, 사용자는 손가락 오브젝트를 이 스캔 패널(250n)(250r) 위에 대어 지문과 지정맥 인증을 개시하며, 상기 장치에 의한 지문과 지정맥 인증이 개시되면, 적외선 광원부(240)(244)가 손가락 오브젝트를 향해서 적외선을 조사한다.Therefore, in the embodiment of the present invention, the user initiates fingerprint and finger vein authentication by placing a finger object on the scan panels 250n and 250r, and when fingerprint and finger vein authentication by the device is started, the infrared light source unit ( 240) 244 irradiates infrared rays toward the finger object.
이의 정확도를 위하여 좌우측에 형성된 적외선 광원부(241)(243)가 손가락 오브젝트를 향해서 적외선을 조사하게 되는 것이다.For this accuracy, the infrared light source units 241 and 243 formed on the left and right sides are irradiated with infrared rays toward the finger object.
또한 거의 동시에 지문인증모듈(250an)(250ar)이 동일한 오브젝트 수용부(201) 안에 설치되어 오브젝트의 손가락지문을 인증한다.Also, at the same time, fingerprint authentication modules 250an and 250ar are installed in the same object accommodating portion 201 to authenticate finger fingerprints of objects.
상기 구조를 종합해 보면, 1) 지문1(250an)과 지문2(250ar), 2) 지정맥1(250bn)과 지정맥2(250br), 3) 지문1(250an)과 지정맥1(250bn), 4) 지문2(250ar)와 지정맥2(250br), 5) 지문1(250an)과 지정맥2(250br), 6) 지문2(250ar)와 지정맥1(250bn)이 되는 것으로 되는 것이다.To summarize the structure, 1) fingerprint 1 (250an) and fingerprint 2 (250ar), 2) finger vein 1 (250bn) and finger vein 2 (250br), 3) fingerprint 1 (250an) and finger vein 1 (250bn) 4) Fingerprint 2 (250ar) and finger vein 2 (250br), 5) Fingerprint 1 (250an) and finger vein 2 (250br), 6) Fingerprint 2 (250ar) and finger vein 1 (250bn) will be.
본 발명의 바람직한 어느 실시예에서는 손가락의 지정맥과 손가락지문을 동시에 촬영하여 둘 다 생체정보로 사용함으로써 하나의 지문이나 지정맥을 측정하기 위하여 각각 촬영했을 때보다 오차범위를 최대 제곱 분의 일로 줄일 수 있다. In a preferred embodiment of the present invention, by simultaneously recording the finger vein and finger fingerprints of the finger and using both as biometric information to reduce the error range to a maximum of one squared than when each one to measure a fingerprint or finger vein Can be.
도 10은 2개의 손가락 지문을 이용하는 본 발명의 실시예로서, 도 8에 나타난 실시예와 동일한 기술적 구성에 대해서는 동일한 부호 및 기술적 용어를 그대로 사용하게 한다.10 is an embodiment of the present invention using two finger fingerprints, and the same reference numerals and technical terms are used for the same technical configuration as the embodiment shown in FIG. 8.
도면에서 보는 바와 같이, 도 8에 나타난 실시예와 대다수 동일하나, 지문인식부만으로 형성하여 2개의 지문을 동시에 인증할 수 있도록 다른 실시예에서의 손가락지문이미지센서(220) 대신에 지문인식모듈(250aa)(250ab)을 형성하여 지문의 접촉에 의하여 지문을 판단할 수 있는 방법을 제공하고 있다.As shown in the figure, most of the same as the embodiment shown in Figure 8, but formed by only the fingerprint recognition unit to recognize the fingerprint at the same time instead of the fingerprint image sensor 220 in another embodiment to recognize the fingerprint recognition module ( A method of determining a fingerprint by contact of the fingerprint is provided by forming the 250aa) 250ab.
여기서도 보안의 확률을 높이기 위하여 전술한 손가락의 혈류 흐름의 온도를 감지하는 온도센서(205a)(205b)가 지문인식모듈(250aa)(250ab)의 전방으로 형성함으로써, 손가락을 착지시킬경우 손가락의 온도 및 혈류의 흐름을 감지하여 감지된 온도 및 흐름에 의하여 지정맥의 인식이 가능하도록 형성되어 있다.Here, in order to increase the probability of security, the temperature sensors 205a and 205b for sensing the temperature of the blood flow flow of the finger are formed in front of the fingerprint recognition modules 250aa and 250ab, so that the temperature of the finger when the finger is touched. And by detecting the flow of blood flow is formed to enable the recognition of the finger vein by the sensed temperature and flow.
상기 온도센서(205a)(205b) 대신에 지문인식모듈(250aa)(250ab)이 형성될 수 있는데, 이는 다층의 박판구조로 되어 있고, 지문인증모듈의 상층부에 지문인식층이 형성되어 있으며, 그 하부에 온도 및 혈류 감지인증층이 형성되어 인체의 온도 및 혈류를 감지한 후에 이의 작동을 시작할 수 있도록 형성될 수 있다.Instead of the temperature sensors 205a and 205b, fingerprint recognition modules 250aa and 250ab may be formed. The fingerprint recognition modules 250aa and 250ab may have a multi-layered thin plate structure, and a fingerprint recognition layer may be formed on an upper layer of the fingerprint authentication module. Temperature and blood flow detection authentication layer is formed at the bottom may be formed so as to start its operation after sensing the temperature and blood flow of the human body.
도 11, 12는 본 발명의 지문1과 지문2가 동시에 인정되는 경우의 플로우차트이이고, 도 13, 14는 본 발명의 지정맥1과 지정맥2가 동시에 인정되는 경우의 플로우차트이며, 도 15, 16은 본 발명의 지문1과 지정맥1이 동시에 인정되는 경우의 플로우차트이고, 도 17, 18은 본 발명의 지문2와 지정맥2가 동시에 인정되는 경우의 플로우차트이며, 도 19, 20은 본 발명의 지문1과 지정맥2가 동시에 인정되는 경우의 플로우차트이고, 도 21, 22는 본 발명의 지문2와 지정맥1이 동시에 인정되는 경우의 플로우차트이다.11 and 12 are flowcharts when the fingerprint 1 and the fingerprint 2 of the present invention are recognized at the same time, and FIGS. 13 and 14 are flowcharts when the finger vein 1 and the finger vein 2 of the present invention are simultaneously recognized. And 16 are flowcharts when the fingerprint 1 and the finger vein 1 of the present invention are recognized at the same time. FIGS. 17 and 18 are flowcharts when the fingerprint 2 and the finger vein 2 of the present invention are simultaneously recognized. Is a flowchart when the fingerprint 1 and the finger vein 2 of the present invention are recognized simultaneously, and FIGS. 21 and 22 are flowcharts when the fingerprint 2 and the finger vein 1 of the present invention are recognized at the same time.
도 11은 본 발명의 일 실시예에 따른 지문1 인증을 이용한 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각각 다르게 발명하여 도시한 흐름도이다.11 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint1 authentication according to an embodiment of the present invention.
도 11을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S150에서 고객 단말기(200)가 통신망(4)을 통하여 금융 거래 중계 서버(100)에 접속하고, 단계 S152에서 회원으로 가입한다. 이 때, 고객 단말기(200)는 성명, 아이디, 패스워드, 전화번호, 이메일 주소 등의 고객의 개인 정보를 입력한다.Referring to FIG. 11, in the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. . At this time, the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
단계 S154에서 고객 단말기(200)는 지문2 인식기(210)와 지문1 인식기(220)를 통하여 지문2 정보와 지문1 정보를 획득하고, 통신망(4)을 통하여 지문2 정보와 지문1 정보를 금융 거래 중계 서버(100)로 전송하면, 금융 거래 중계 서버(100)는 고객 단말기(200)에 대응하여 지문2 정보와 지문1 정보를 등록한다. 이 때, 금융 거래 중계 서버(100)는 데이터베이스에 지문2 정보와 지문1 정보를 저장한다.In step S154, the customer terminal 200 obtains the fingerprint 2 information and the fingerprint 1 information through the fingerprint 2 recognizer 210 and the fingerprint 1 recognizer 220 and finances the fingerprint 2 information and the fingerprint 1 information through the communication network 4. When transmitting to the transaction relay server 100, the financial transaction relay server 100 registers the fingerprint 2 information and the fingerprint 1 information corresponding to the customer terminal 200. At this time, the financial transaction relay server 100 stores the fingerprint 2 information and the fingerprint 1 information in a database.
단계 S156에서 금융 거래 중계 서버(100)는 전자 금융 거래 및 전자 상거래를 수행하기 위하여, 1 차적으로 지문1을 인식하여 단계 S158에서 데이터베이스에 저장된 지문1정보와 일치하는지를 판별하여 고객 단말기(200)의 사용자를 인증한다.In step S156, the financial transaction relay server 100 first recognizes the fingerprint 1 and determines whether it matches the fingerprint 1 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
판별 결과, 두 정보가 일치하면, 단계 S164에서 2 차적으로 지문2를 인식하고, 단계 S166에서 데이터베이스에 저장된 지문2정보와 일치하는지를 판별한다.As a result of the determination, if the two pieces of information match, the fingerprint 2 is secondarily recognized in step S164, and it is determined whether the fingerprint 2 information matches the fingerprint 2 information stored in the database in step S166.
판별 결과, 두 지문2정보가 일치하면, 이 수순은 단계 S168로 진행하여 3 차적으로 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S170에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.As a result of the determination, if the two fingerprints 2 information match, the procedure proceeds to step S168 so that the database of the financial transaction relay server 100 can be opened in the multiple safety lock module 110 through the middleware approval processing unit 120 in a third step. After disabling the firewall, in step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
그러나 단계 S158 및 단계 S166 각각에서 금융 거래 중계 서버(100)는 고객 단말기(200)로부터 지문2 정보 및 지문1 정보 중 어느 하나라도 일치하지 않으면, 단계 S172로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, in each of steps S158 and S166, if the financial transaction relay server 100 does not match any of the fingerprint 2 information and the fingerprint 1 information from the customer terminal 200, the process proceeds to step S172 to process the electronic financial transaction and the electronic commerce. Block the connection of the financial transaction relay server 100 to prevent.
지문1인식의 경우에는 살아있는 상태에서만 가능하기 때문에 이를 본인만이 가능한 것이어서, 기타 추가되는 패스워드의 과정을 생략하여도 보안의 효과는 변함이 없기 때문이다.In the case of fingerprint 1 recognition, since it is possible only in a living state, it is possible only by the user, and thus the effect of security does not change even if the additional password process is omitted.
그리고 도 12은 본 발명의 다른 실시예에 따른 지문1과 지문2를 동시에 스캔하여 사용자 인증을 처리하는 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각가 다르게 발명하여 도시한 흐름도이다. 이 실시예는 지문1 정보와 지문2 정보가 동일하거나 유사하여, 사용자 식별이 어려운 경우에 처리되는 것으로, 지문1 정보로 1 차 사용자 인증을 처리하고, 1 차에서 사용자 식별이 어려우면, 2 차로 지문2 정보를 이용하여 사용자 인증을 처리한다.FIG. 12 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 1 and a fingerprint 2 according to another embodiment of the present invention. This embodiment is processed when the fingerprint 1 information and the fingerprint 2 information are the same or similar, so that the user identification is difficult. If the primary user authentication is performed with the fingerprint 1 information, and the user identification is difficult at the primary, User authentication is handled using fingerprint2 information.
즉, 도 12을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S180에서 고객 단말기(200)의 지문2 인식기(210)와 지문1 인식기(220)로부터 동시에 지문2 및 지문1을 스캔하여 지문2 정보와 지문1 정보를 금융 거래 중계 서버(100)로 제공한다.That is, referring to FIG. 12, the financial transaction relay system 2 of the present invention simultaneously scans the fingerprint 2 and the fingerprint 1 from the fingerprint 2 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 in step S180. The fingerprint 2 information and the fingerprint 1 information are provided to the financial transaction relay server 100.
단계 S182에서 금융 거래 중계 서버(100)는 지문1 정보와 지문2 정보를 인식하고, 단계 S184에서 지문1 정보가 데이터베이스에 저장된 지문1 정보들과 비교하여 유일한 것인지를 판별한다.In step S182, the financial transaction relay server 100 recognizes the fingerprint 1 information and the fingerprint 2 information, and in step S184 determines whether the fingerprint 1 information is unique by comparing with the fingerprint 1 information stored in the database.
판별 결과, 지문1 정보가 유일한 것이면, 이 수순은 단계 S188로 진행하고, 유일한 것이 아니면 즉, 지문1 정보가 동일하거나 유사하여 사용자 식별이 어려운 경우이면, 단계 S186에서 지문2 정보를 데이터베이스에 저장된 지문2 정보와 비교하여 유일한 것인지를 판별한다.As a result of the determination, if the fingerprint1 information is unique, the procedure proceeds to step S188, and if not unique, that is, if the fingerprint1 information is the same or similar and the user identification is difficult, the fingerprint2 information stored in the database in step S186. 2 Compare with information to determine if it is unique.
판별 결과, 지문2 정보가 유일한 것이면, 이 수순은 단계 S188으로 진행하여, 방화벽 해제 및 차단을 위한 사용자 인증을 처리한다.As a result of the determination, if the fingerprint 2 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.
단계 S192에서 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S194에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.In step S192, the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated. The electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
그러나 단계 S186 및 단계 S190 각각에서 고객 단말기(200)가 지문1 정보와 지문2 정보를 이용하여 사용자 인증이 불가능할 경우에는 단계 S196으로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, if the user terminal 200 cannot authenticate the user using the fingerprint 1 information and the fingerprint 2 information in each of steps S186 and S190, the process proceeds to step S196 to prevent the electronic transaction and electronic commerce from being processed. Disconnect the connection of 100).
도 13은 본 발명의 일 실시예에 따른 지정맥1 인증을 이용한 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각각 다르게 발명하여 도시한 흐름도이다.FIG. 13 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple safety lock function using finger vein 1 authentication according to an embodiment of the present invention.
도 13을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S150에서 고객 단말기(200)가 통신망(4)을 통하여 금융 거래 중계 서버(100)에 접속하고, 단계 S152에서 회원으로 가입한다. 이 때, 고객 단말기(200)는 성명, 아이디, 패스워드, 전화번호, 이메일 주소 등의 고객의 개인 정보를 입력한다.Referring to FIG. 13, in the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. . At this time, the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
단계 S154에서 고객 단말기(200)는 지정맥2 인식기(210)와 지정맥1 인식기(220)를 통하여 지정맥2 정보와 지정맥1 정보를 획득하고, 통신망(4)을 통하여 지정맥2 정보와 지정맥1 정보를 금융 거래 중계 서버(100)로 전송하면, 금융 거래 중계 서버(100)는 고객 단말기(200)에 대응하여 지정맥2 정보와 지정맥1 정보를 등록한다. 이 때, 금융 거래 중계 서버(100)는 데이터베이스에 지정맥2 정보와 지정맥1 정보를 저장한다.In step S154, the customer terminal 200 obtains the finger vein 2 information and the finger vein 1 information through the finger vein 2 recognizer 210 and the finger vein 1 recognizer 220, and the finger vein 2 information through the communication network (4). When the finger vein 1 information is transmitted to the financial transaction relay server 100, the financial transaction relay server 100 registers the finger vein 2 information and the finger vein 1 information corresponding to the customer terminal 200. At this time, the financial transaction relay server 100 stores the finger vein 2 information and finger vein 1 information in the database.
단계 S156에서 금융 거래 중계 서버(100)는 전자 금융 거래 및 전자 상거래를 수행하기 위하여, 1 차적으로 지정맥1을 인식하여 단계 S158에서 데이터베이스에 저장된 지정맥1정보와 일치하는지를 판별하여 고객 단말기(200)의 사용자를 인증한다.In step S156, the financial transaction relay server 100 first recognizes the finger vein 1 and determines whether it matches the finger vein 1 information stored in the database in step S158 to perform the electronic financial transaction and e-commerce. ) To authenticate the user.
판별 결과, 두 정보가 일치하면, 단계 S164에서 2 차적으로 지정맥2를 인식하고, 단계 S166에서 데이터베이스에 저장된 지정맥2정보와 일치하는지를 판별한다.As a result of the determination, if the two pieces of information match, the finger vein 2 is secondarily recognized in step S164, and it is determined whether or not it matches the finger vein 2 information stored in the database in step S166.
판별 결과, 두 지정맥2 정보가 일치하면, 이 수순은 단계 S168로 진행하여 3 차적으로 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S170에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.As a result of the determination, if the two finger vein 2 information is identical, the procedure proceeds to step S168 to open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120 thirdly. In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
그러나 단계 S158 및 단계 S166 각각에서 금융 거래 중계 서버(100)는 고객 단말기(200)로부터 지정맥2 정보 및 지정맥1 정보 중 어느 하나라도 일치하지 않으면, 단계 S172로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, in each of steps S158 and S166, if the financial transaction relay server 100 does not match any of the finger vein 2 information and the finger vein 1 information from the customer terminal 200, the process proceeds to step S172 and the electronic financial transaction and e-commerce. Block the connection of the financial transaction relay server 100 so as not to process.
지정맥1인식의 경우에는 살아있는 상태에서만 가능하기 때문에 이를 본인만이 가능한 것이어서, 기타 추가되는 패스워드의 과정을 생략하여도 보안의 효과는 변함이 없기 때문이다.In the case of finger vein 1 recognition, it is possible only in the living state, so it is possible only by myself, and the effect of security does not change even if the other additional password process is omitted.
그리고 도 14은 본 발명의 다른 실시예에 따른 지정맥1과 지정맥2를 동시에 스캔하여 사용자 인증을 처리하는 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각가 다르게 발명하여 도시한 흐름도이다. 이 실시예는 지정맥1 정보와 지정맥2 정보가 동일하거나 유사하여, 사용자 식별이 어려운 경우에 처리되는 것으로, 지정맥1 정보로 1 차 사용자 인증을 처리하고, 1 차에서 사용자 식별이 어려우면, 2 차로 지정맥2 정보를 이용하여 사용자 인증을 처리한다.And FIG. 14 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple safety lock function for simultaneously scanning a finger vein 1 and a finger vein 2 according to another embodiment of the present invention to process user authentication. to be. This embodiment is processed when the finger vein 1 information and the finger vein 2 information is the same or similar, it is processed when the user identification is difficult, if the primary user authentication is processed with the finger vein 1 information, if the user identification is difficult in the first Secondly, user authentication is processed using the vein 2 information.
즉, 도 14을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S180에서 고객 단말기(200)의 지정맥2 인식기(210)와 지정맥1 인식기(220)로부터 동시에 지정맥2 및 지정맥1을 스캔하여 지정맥2 정보와 지정맥1 정보를 금융 거래 중계 서버(100)로 제공한다.That is, referring to FIG. 14, the financial transaction relay system 2 of the present invention simultaneously designates the finger vein 2 and the finger from the finger vein 2 recognizer 210 and the finger vein 1 recognizer 220 of the customer terminal 200 in step S180. Scan the Mac 1 and provide the finger vein 2 information and finger vein 1 information to the financial transaction relay server 100.
단계 S182에서 금융 거래 중계 서버(100)는 지정맥1 정보와 지정맥2 정보를 인식하고, 단계 S184에서 지정맥1 정보가 데이터베이스에 저장된 지정맥1 정보들과 비교하여 유일한 것인지를 판별한다.In step S182, the financial transaction relay server 100 recognizes the finger vein 1 information and the finger vein 2 information, and determines in step S184 whether the finger vein 1 information is unique compared to the finger vein 1 information stored in the database.
판별 결과, 지정맥1 정보가 유일한 것이면, 이 수순은 단계 S188로 진행하고, 유일한 것이 아니면 즉, 지정맥1 정보가 동일하거나 유사하여 사용자 식별이 어려운 경우이면, 단계 S186에서 지정맥2 정보를 데이터베이스에 저장된 지정맥2 정보와 비교하여 유일한 것인지를 판별한다.As a result of the determination, if the finger vein 1 information is unique, the procedure proceeds to step S188, and if it is not the only one, i.e., if the finger vein 1 information is the same or similar and the user identification is difficult, the finger vein 2 information is stored in the database in step S186. It is determined by comparing with the vein 2 information stored in the system.
판별 결과, 지정맥2 정보가 유일한 것이면, 이 수순은 단계 S188으로 진행하여, 방화벽 해제 및 차단을 위한 사용자 인증을 처리한다.As a result of the determination, if the finger vein 2 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.
단계 S192에서 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S194에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.In step S192, the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated. The electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
그러나 단계 S186 및 단계 S190 각각에서 고객 단말기(200)가 지정맥1 정보와 지정맥2 정보를 이용하여 사용자 인증이 불가능할 경우에는 단계 S196으로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, if the user terminal 200 is unable to authenticate the user using the finger vein 1 information and the finger vein 2 information in steps S186 and S190 respectively, the process proceeds to step S196 to relay the financial transaction so as not to process the electronic financial transaction and the electronic commerce. The connection of the server 100 is blocked.
도 15은 본 발명의 일 실시예에 따른 지문1 인증을 이용한 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각각 다르게 발명하여 도시한 흐름도이다.15 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint1 authentication according to an embodiment of the present invention.
도 15을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S150에서 고객 단말기(200)가 통신망(4)을 통하여 금융 거래 중계 서버(100)에 접속하고, 단계 S152에서 회원으로 가입한다. 이 때, 고객 단말기(200)는 성명, 아이디, 패스워드, 전화번호, 이메일 주소 등의 고객의 개인 정보를 입력한다.Referring to FIG. 15, in the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. . At this time, the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
단계 S154에서 고객 단말기(200)는 지정맥1 인식기(210)와 지문1 인식기(220)를 통하여 지정맥1 정보와 지문1 정보를 획득하고, 통신망(4)을 통하여 지정맥1 정보와 지문1 정보를 금융 거래 중계 서버(100)로 전송하면, 금융 거래 중계 서버(100)는 고객 단말기(200)에 대응하여 지정맥1 정보와 지문1 정보를 등록한다. 이 때, 금융 거래 중계 서버(100)는 데이터베이스에 지정맥1 정보와 지문1 정보를 저장한다.In step S154, the customer terminal 200 obtains the finger vein 1 information and the fingerprint 1 information through the finger vein 1 recognizer 210 and the fingerprint 1 recognizer 220, and the finger vein 1 information and the fingerprint 1 through the communication network 4. When the information is transmitted to the financial transaction relay server 100, the financial transaction relay server 100 registers the finger vein 1 information and the fingerprint 1 information corresponding to the customer terminal 200. At this time, the financial transaction relay server 100 stores the finger vein 1 information and fingerprint 1 information in the database.
단계 S156에서 금융 거래 중계 서버(100)는 전자 금융 거래 및 전자 상거래를 수행하기 위하여, 1 차적으로 지문1을 인식하여 단계 S158에서 데이터베이스에 저장된 지문1정보와 일치하는지를 판별하여 고객 단말기(200)의 사용자를 인증한다.In step S156, the financial transaction relay server 100 first recognizes the fingerprint 1 and determines whether it matches the fingerprint 1 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
판별 결과, 두 정보가 일치하면, 단계 S164에서 2 차적으로 지정맥1을 인식하고, 단계 S166에서 데이터베이스에 저장된 지정맥1정보와 일치하는지를 판별한다.As a result of the determination, if the two pieces of information match, the finger vein 1 is secondarily recognized in step S164, and it is determined whether or not the finger vein 1 information stored in the database matches in step S166.
판별 결과, 두 지정맥1정보가 일치하면, 이 수순은 단계 S168로 진행하여 3 차적으로 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S170에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.As a result of the determination, if the two finger vein 1 information coincides, the procedure proceeds to step S168 to thirdly open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120. In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
그러나 단계 S158 및 단계 S166 각각에서 금융 거래 중계 서버(100)는 고객 단말기(200)로부터 지정맥1 정보 및 지문1 정보 중 어느 하나라도 일치하지 않으면, 단계 S172로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, in each of steps S158 and S166, if the financial transaction relay server 100 does not match any of the finger vein 1 information and the fingerprint 1 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and e-commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.
지문1인식의 경우에는 살아있는 상태에서만 가능하기 때문에 이를 본인만이 가능한 것이어서, 기타 추가되는 패스워드의 과정을 생략하여도 보안의 효과는 변함이 없기 때문이다.In the case of fingerprint 1 recognition, since it is possible only in a living state, it is possible only by the user, and thus the effect of security does not change even if the additional password process is omitted.
그리고 도 16은 본 발명의 다른 실시예에 따른 지문1과 지정맥1을 동시에 스캔하여 사용자 인증을 처리하는 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각가 다르게 발명하여 도시한 흐름도이다. 이 실시예는 지문1 정보와 지정맥1 정보가 동일하거나 유사하여, 사용자 식별이 어려운 경우에 처리되는 것으로, 지문1 정보로 1 차 사용자 인증을 처리하고, 1 차에서 사용자 식별이 어려우면, 2 차로 지정맥1 정보를 이용하여 사용자 인증을 처리한다.FIG. 16 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 1 and a finger vein 1 according to another embodiment of the present invention. . This embodiment is processed when the fingerprint 1 information and the finger vein 1 information are the same or similar, so that the user identification is difficult, and the primary user authentication is performed with the fingerprint 1 information, By the way, user authentication is processed using finger vein 1 information.
즉, 도 16을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S180에서 고객 단말기(200)의 지정맥1 인식기(210)와 지문1 인식기(220)로부터 동시에 지정맥1 및 지문1을 스캔하여 지정맥1 정보와 지문1 정보를 금융 거래 중계 서버(100)로 제공한다.That is, referring to FIG. 16, the financial transaction relay system 2 of the present invention simultaneously designates the finger vein 1 and the fingerprint 1 from the finger vein 1 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 in step S180. Scan and provide the finger vein 1 information and fingerprint 1 information to the financial transaction relay server 100.
단계 S182에서 금융 거래 중계 서버(100)는 지문1 정보와 지정맥1 정보를 인식하고, 단계 S184에서 지문1 정보가 데이터베이스에 저장된 지문1 정보들과 비교하여 유일한 것인지를 판별한다.In step S182, the financial transaction relay server 100 recognizes the fingerprint 1 information and the finger vein 1 information, and determines in step S184 whether the fingerprint 1 information is unique compared to the fingerprint 1 information stored in the database.
판별 결과, 지문1 정보가 유일한 것이면, 이 수순은 단계 S188로 진행하고, 유일한 것이 아니면 즉, 지문1 정보가 동일하거나 유사하여 사용자 식별이 어려운 경우이면, 단계 S186에서 지정맥1 정보를 데이터베이스에 저장된 지정맥1 정보와 비교하여 유일한 것인지를 판별한다.As a result of the determination, if the fingerprint1 information is unique, this procedure proceeds to step S188. If the fingerprint1 information is not unique, that is, if the fingerprint1 information is the same or similar and the user identification is difficult, then the finger vein1 information is stored in the database in step S186. Compare with the finger vein 1 information to determine if it is unique.
판별 결과, 지정맥1 정보가 유일한 것이면, 이 수순은 단계 S188으로 진행하여, 방화벽 해제 및 차단을 위한 사용자 인증을 처리한다.If the determination result indicates that the finger vein 1 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.
단계 S192에서 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S194에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.In step S192, the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated. The electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
그러나 단계 S186 및 단계 S190 각각에서 고객 단말기(200)가 지문1 정보와 지정맥1 정보를 이용하여 사용자 인증이 불가능할 경우에는 단계 S196으로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, if the user terminal 200 cannot authenticate the user by using the fingerprint 1 information and the finger vein 1 information in steps S186 and S190, respectively, the process proceeds to step S196 to prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce. The connection of the 100 is cut off.
도 17은 본 발명의 일 실시예에 따른 지문2 인증을 이용한 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각각 다르게 발명하여 도시한 흐름도이다.17 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint 2 authentication according to an embodiment of the present invention.
도 17을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S150에서 고객 단말기(200)가 통신망(4)을 통하여 금융 거래 중계 서버(100)에 접속하고, 단계 S152에서 회원으로 가입한다. 이 때, 고객 단말기(200)는 성명, 아이디, 패스워드, 전화번호, 이메일 주소 등의 고객의 개인 정보를 입력한다.Referring to FIG. 17, in the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. . At this time, the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
단계 S154에서 고객 단말기(200)는 지정맥2 인식기(210)와 지문2 인식기(220)를 통하여 지정맥2 정보와 지문2 정보를 획득하고, 통신망(4)을 통하여 지정맥2 정보와 지문2 정보를 금융 거래 중계 서버(100)로 전송하면, 금융 거래 중계 서버(100)는 고객 단말기(200)에 대응하여 지정맥2 정보와 지문2 정보를 등록한다. 이 때, 금융 거래 중계 서버(100)는 데이터베이스에 지정맥2 정보와 지문2 정보를 저장한다.In step S154, the customer terminal 200 obtains the finger vein 2 information and the fingerprint 2 information through the finger vein recognizer 210 and the fingerprint 2 recognizer 220, and the finger vein 2 information and the fingerprint 2 through the communication network 4. When the information is transmitted to the financial transaction relay server 100, the financial transaction relay server 100 registers the finger vein 2 information and the fingerprint 2 information corresponding to the customer terminal 200. At this time, the financial transaction relay server 100 stores the finger vein 2 information and fingerprint 2 information in the database.
단계 S156에서 금융 거래 중계 서버(100)는 전자 금융 거래 및 전자 상거래를 수행하기 위하여, 1 차적으로 지문2를 인식하여 단계 S158에서 데이터베이스에 저장된 지문2정보와 일치하는지를 판별하여 고객 단말기(200)의 사용자를 인증한다.In step S156, the financial transaction relay server 100 first recognizes the fingerprint 2 and determines whether it matches the fingerprint 2 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
판별 결과, 두 정보가 일치하면, 단계 S164에서 2 차적으로 지정맥2를 인식하고, 단계 S166에서 데이터베이스에 저장된 지정맥2 정보와 일치하는지를 판별한다.As a result of the determination, if the two pieces of information match, the finger vein 2 is secondarily recognized in step S164, and it is determined whether or not the finger vein 2 information stored in the database matches in step S166.
판별 결과, 두 지정맥2정보가 일치하면, 이 수순은 단계 S168로 진행하여 3 차적으로 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S170에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.As a result of the determination, if the two finger vein 2 information matches, the procedure proceeds to step S168 to open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120 in a third step. In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
그러나 단계 S158 및 단계 S166 각각에서 금융 거래 중계 서버(100)는 고객 단말기(200)로부터 지정맥2 정보 및 지문2 정보 중 어느 하나라도 일치하지 않으면, 단계 S172로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, in each of steps S158 and S166, if the financial transaction relay server 100 does not match any of the finger vein 2 information and the fingerprint 2 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and e-commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.
지문2인식의 경우에는 살아있는 상태에서만 가능하기 때문에 이를 본인만이 가능한 것이어서, 기타 추가되는 패스워드의 과정을 생략하여도 보안의 효과는 변함이 없기 때문이다.In the case of fingerprint 2 recognition, since it is possible only in a living state, it is only possible for the user, and thus the effect of security does not change even if the additional password process is omitted.
그리고 도 18은 본 발명의 다른 실시예에 따른 지문2와 지정맥2를 동시에 스캔하여 사용자 인증을 처리하는 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각가 다르게 발명하여 도시한 흐름도이다. 이 실시예는 지문2 정보와 지정맥2 정보가 동일하거나 유사하여, 사용자 식별이 어려운 경우에 처리되는 것으로, 지문2 정보로 1 차 사용자 인증을 처리하고, 1 차에서 사용자 식별이 어려우면, 2 차로 지정맥2 정보를 이용하여 사용자 인증을 처리한다.FIG. 18 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 2 and a finger vein 2 according to another embodiment of the present invention. . This embodiment is processed when the fingerprint 2 information and the finger vein 2 information are the same or similar, so that the user identification is difficult. By using the vein 2 information to process the user authentication.
즉, 도 18을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S180에서 고객 단말기(200)의 지정맥2 인식기(210)와 지문2 인식기(220)로부터 동시에 지정맥2 및 지문2를 스캔하여 지정맥2 정보와 지문2 정보를 금융 거래 중계 서버(100)로 제공한다.That is, referring to Figure 18, the financial transaction relay system 2 of the present invention at the same time from the finger vein 2 recognizer 210 and the fingerprint 2 recognizer 220 of the customer terminal 200 at step S180 finger vein 2 and fingerprint 2 at the same time Scan and provide finger vein 2 information and fingerprint 2 information to the financial transaction relay server 100.
단계 S182에서 금융 거래 중계 서버(100)는 지문2 정보와 지정맥2 정보를 인식하고, 단계 S184에서 지문2 정보가 데이터베이스에 저장된 지문2 정보들과 비교하여 유일한 것인지를 판별한다.In step S182, the financial transaction relay server 100 recognizes the fingerprint 2 information and the finger vein 2 information, and determines in step S184 whether the fingerprint 2 information is unique compared to the fingerprint 2 information stored in the database.
판별 결과, 지문2 정보가 유일한 것이면, 이 수순은 단계 S188로 진행하고, 유일한 것이 아니면 즉, 지문2 정보가 동일하거나 유사하여 사용자 식별이 어려운 경우이면, 단계 S186에서 지정맥2 정보를 데이터베이스에 저장된 지정맥2 정보와 비교하여 유일한 것인지를 판별한다.As a result of the determination, if the fingerprint 2 information is unique, this procedure proceeds to step S188, and if not unique, that is, if the fingerprint 2 information is the same or similar and the user identification is difficult, the finger vein 2 information is stored in the database in step S186. Compare with the finger vein 2 information to determine if it is unique.
판별 결과, 지정맥2 정보가 유일한 것이면, 이 수순은 단계 S188으로 진행하여, 방화벽 해제 및 차단을 위한 사용자 인증을 처리한다.As a result of the determination, if the finger vein 2 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.
단계 S192에서 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S194에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.In step S192, the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated. The electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
그러나 단계 S186 및 단계 S190 각각에서 고객 단말기(200)가 지문2 정보와 지정맥2 정보를 이용하여 사용자 인증이 불가능할 경우에는 단계 S196으로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, if the user terminal 200 cannot authenticate the user by using the fingerprint 2 information and the finger vein 2 information in steps S186 and S190 respectively, the process proceeds to step S196 to prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce. The connection of the 100 is cut off.
도 19는 본 발명의 일 실시예에 따른 지문1 인증을 이용한 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각각 다르게 발명하여 도시한 흐름도이다.19 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint1 authentication according to an embodiment of the present invention.
도 19를 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S150에서 고객 단말기(200)가 통신망(4)을 통하여 금융 거래 중계 서버(100)에 접속하고, 단계 S152에서 회원으로 가입한다. 이 때, 고객 단말기(200)는 성명, 아이디, 패스워드, 전화번호, 이메일 주소 등의 고객의 개인 정보를 입력한다.Referring to FIG. 19, in the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. . At this time, the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
단계 S154에서 고객 단말기(200)는 지정맥2 인식기(210)와 지문1 인식기(220)를 통하여 지정맥2 정보와 지문1 정보를 획득하고, 통신망(4)을 통하여 지정맥2 정보와 지문1 정보를 금융 거래 중계 서버(100)로 전송하면, 금융 거래 중계 서버(100)는 고객 단말기(200)에 대응하여 지정맥2 정보와 지문1 정보를 등록한다. 이 때, 금융 거래 중계 서버(100)는 데이터베이스에 지정맥2 정보와 지문1 정보를 저장한다.In step S154, the customer terminal 200 obtains the finger vein 2 information and the fingerprint 1 information through the finger vein recognizer 210 and the fingerprint 1 recognizer 220, and the finger vein 2 information and the fingerprint 1 through the communication network 4. When the information is transmitted to the financial transaction relay server 100, the financial transaction relay server 100 registers the finger vein 2 information and the fingerprint 1 information corresponding to the customer terminal 200. At this time, the financial transaction relay server 100 stores the finger vein 2 information and fingerprint 1 information in the database.
단계 S156에서 금융 거래 중계 서버(100)는 전자 금융 거래 및 전자 상거래를 수행하기 위하여, 1 차적으로 지문1을 인식하여 단계 S158에서 데이터베이스에 저장된 지문1정보와 일치하는지를 판별하여 고객 단말기(200)의 사용자를 인증한다.In step S156, the financial transaction relay server 100 first recognizes the fingerprint 1 and determines whether it matches the fingerprint 1 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
판별 결과, 두 정보가 일치하면, 단계 S164에서 2 차적으로 지정맥2를 인식하고, 단계 S166에서 데이터베이스에 저장된 지정맥2 정보와 일치하는지를 판별한다.As a result of the determination, if the two pieces of information match, the finger vein 2 is secondarily recognized in step S164, and it is determined whether or not the finger vein 2 information stored in the database matches in step S166.
판별 결과, 두 지정맥2정보가 일치하면, 이 수순은 단계 S168로 진행하여 3 차적으로 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S170에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.As a result of the determination, if the two finger vein 2 information matches, the procedure proceeds to step S168 to open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120 in a third step. In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
그러나 단계 S158 및 단계 S166 각각에서 금융 거래 중계 서버(100)는 고객 단말기(200)로부터 지정맥2 정보 및 지문1 정보 중 어느 하나라도 일치하지 않으면, 단계 S172로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, in each of steps S158 and S166, if the financial transaction relay server 100 does not match any of the finger vein 2 information and the fingerprint 1 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and e-commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.
지문1인식의 경우에는 살아있는 상태에서만 가능하기 때문에 이를 본인만이 가능한 것이어서, 기타 추가되는 패스워드의 과정을 생략하여도 보안의 효과는 변함이 없기 때문이다.In the case of fingerprint 1 recognition, since it is possible only in a living state, it is possible only by the user, and thus the effect of security does not change even if the additional password process is omitted.
그리고 도 20은 본 발명의 다른 실시예에 따른 지문1과 지정맥2를 동시에 스캔하여 사용자 인증을 처리하는 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각가 다르게 발명하여 도시한 흐름도이다. 이 실시예는 지문1 정보와 지정맥2 정보가 동일하거나 유사하여, 사용자 식별이 어려운 경우에 처리되는 것으로, 지문1 정보로 1 차 사용자 인증을 처리하고, 1 차에서 사용자 식별이 어려우면, 2 차로 지정맥2 정보를 이용하여 사용자 인증을 처리한다.FIG. 20 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple safety lock function for simultaneously scanning a fingerprint 1 and a finger vein 2 according to another embodiment of the present invention. . This embodiment is processed when the fingerprint 1 information and the finger vein 2 information are the same or similar, and thus the user identification is difficult. If the primary user authentication is performed with the fingerprint 1 information, and the user identification is difficult at the primary, 2 By using the vein 2 information to process the user authentication.
즉, 도 20을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S180에서 고객 단말기(200)의 지정맥2 인식기(210)와 지문1 인식기(220)로부터 동시에 지정맥2 및 지문1을 스캔하여 지정맥2 정보와 지문1 정보를 금융 거래 중계 서버(100)로 제공한다.That is, referring to Figure 20, the financial transaction relay system 2 of the present invention at the same time from the finger vein 2 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 at step S180 at the same time the finger vein 2 and fingerprint 1 Scan and provide finger vein 2 information and fingerprint 1 information to the financial transaction relay server 100.
단계 S182에서 금융 거래 중계 서버(100)는 지문1 정보와 지정맥2 정보를 인식하고, 단계 S184에서 지문1 정보가 데이터베이스에 저장된 지문1 정보들과 비교하여 유일한 것인지를 판별한다.In step S182, the financial transaction relay server 100 recognizes the fingerprint 1 information and the finger vein 2 information, and determines in step S184 whether the fingerprint 1 information is unique compared to the fingerprint 1 information stored in the database.
판별 결과, 지문1 정보가 유일한 것이면, 이 수순은 단계 S188로 진행하고, 유일한 것이 아니면 즉, 지문1 정보가 동일하거나 유사하여 사용자 식별이 어려운 경우이면, 단계 S186에서 지정맥2 정보를 데이터베이스에 저장된 지정맥2 정보와 비교하여 유일한 것인지를 판별한다.As a result of the determination, if the fingerprint1 information is unique, this procedure proceeds to step S188, and if not unique, that is, if the fingerprint1 information is the same or similar and the user identification is difficult, the finger vein 2 information is stored in the database in step S186. Compare with the finger vein 2 information to determine if it is unique.
판별 결과, 지정맥2 정보가 유일한 것이면, 이 수순은 단계 S188으로 진행하여, 방화벽 해제 및 차단을 위한 사용자 인증을 처리한다.As a result of the determination, if the finger vein 2 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.
단계 S192에서 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S194에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.In step S192, the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated. The electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
그러나 단계 S186 및 단계 S190 각각에서 고객 단말기(200)가 지문1 정보와 지정맥2 정보를 이용하여 사용자 인증이 불가능할 경우에는 단계 S196으로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, if the user terminal 200 cannot authenticate the user by using the fingerprint 1 information and the finger vein 2 information in steps S186 and S190 respectively, the process proceeds to step S196 to prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce. The connection of the 100 is cut off.
도 21은 본 발명의 일 실시예에 따른 지문2 인증을 이용한 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각각 다르게 발명하여 도시한 흐름도이다.21 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint 2 authentication according to an embodiment of the present invention.
도 21을 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S150에서 고객 단말기(200)가 통신망(4)을 통하여 금융 거래 중계 서버(100)에 접속하고, 단계 S152에서 회원으로 가입한다. 이 때, 고객 단말기(200)는 성명, 아이디, 패스워드, 전화번호, 이메일 주소 등의 고객의 개인 정보를 입력한다.Referring to FIG. 21, in the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. . At this time, the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.
단계 S154에서 고객 단말기(200)는 지정맥1 인식기(210)와 지문2 인식기(220)를 통하여 지정맥1 정보와 지문2 정보를 획득하고, 통신망(4)을 통하여 지정맥1 정보와 지문2 정보를 금융 거래 중계 서버(100)로 전송하면, 금융 거래 중계 서버(100)는 고객 단말기(200)에 대응하여 지정맥1 정보와 지문2 정보를 등록한다. 이 때, 금융 거래 중계 서버(100)는 데이터베이스에 지정맥1 정보와 지문2 정보를 저장한다.In step S154, the customer terminal 200 obtains the finger vein 1 information and the fingerprint 2 information through the finger vein 1 recognizer 210 and the fingerprint 2 recognizer 220, and the finger vein 1 information and the fingerprint 2 through the communication network 4. When the information is transmitted to the financial transaction relay server 100, the financial transaction relay server 100 registers the finger vein 1 information and the fingerprint 2 information corresponding to the customer terminal 200. At this time, the financial transaction relay server 100 stores the finger vein 1 information and fingerprint 2 information in the database.
단계 S156에서 금융 거래 중계 서버(100)는 전자 금융 거래 및 전자 상거래를 수행하기 위하여, 1 차적으로 지문2를 인식하여 단계 S158에서 데이터베이스에 저장된 지문2정보와 일치하는지를 판별하여 고객 단말기(200)의 사용자를 인증한다.In step S156, the financial transaction relay server 100 first recognizes the fingerprint 2 and determines whether it matches the fingerprint 2 information stored in the database in step S158 to perform the electronic financial transaction and electronic commerce. Authenticate the user.
판별 결과, 두 지문2정보가 일치하면, 단계 S164에서 2 차적으로 지정맥1을 인식하고, 단계 S166에서 데이터베이스에 저장된 지정맥1 정보와 일치하는지를 판별한다.As a result of the determination, if the two fingerprints 2 information match, the finger vein 1 is secondarily recognized in step S164, and it is discriminated whether or not the finger vein 1 information stored in the database matches in step S166.
판별 결과, 두 정보가 일치하면, 이 수순은 단계 S168로 진행하여 3 차적으로 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열수 있도록 방화벽을 해제하고, 이어서 단계 S170에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.As a result of the determination, if the two informations match, the procedure proceeds to step S168 so that the firewall can be opened in the multiple security lock module 110 through the middleware approval processing unit 120 to open the database of the financial transaction relay server 100 in the third step. In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.
그러나 단계 S158 및 단계 S166 각각에서 금융 거래 중계 서버(100)는 고객 단말기(200)로부터 지정맥1 정보 및 지문2 정보 중 어느 하나라도 일치하지 않으면, 단계 S172로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, in each of steps S158 and S166, if the financial transaction relay server 100 does not match any of the finger vein 1 information and the fingerprint 2 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and electronic commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.
지문2인식의 경우에는 살아있는 상태에서만 가능하기 때문에 이를 본인만이 가능한 것이어서, 기타 추가되는 패스워드의 과정을 생략하여도 보안의 효과는 변함이 없기 때문이다.In the case of fingerprint 2 recognition, since it is possible only in a living state, it is only possible for the user, and thus the effect of security does not change even if the additional password process is omitted.
그리고 도 22는 본 발명의 다른 실시예에 따른 지문2와 지정맥1을 동시에 스캔하여 사용자 인증을 처리하는 다중 안전 잠금 기능을 구비하는 금융 거래 중계 시스템의 처리 수순을 각가 다르게 발명하여 도시한 흐름도이다. 이 실시예는 지문2 정보와 지정맥1 정보가 동일하거나 유사하여, 사용자 식별이 어려운 경우에 처리되는 것으로, 지문2 정보로 1 차 사용자 인증을 처리하고, 1 차에서 사용자 식별이 어려우면, 2 차로 지정맥1 정보를 이용하여 사용자 인증을 처리한다.FIG. 22 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 2 and a finger vein 1 according to another embodiment of the present invention. . This embodiment is processed when the fingerprint 2 information and the finger vein 1 information are the same or similar, so that the user identification is difficult. If the primary user authentication is performed with the fingerprint 2 information, and the user identification is difficult at the primary, 2 By the way, user authentication is processed using finger vein 1 information.
즉, 도 22를 참조하면, 본 발명의 금융 거래 중계 시스템(2)은 단계 S180에서 고객 단말기(200)의 지정맥1 인식기(210)와 지문2 인식기(220)로부터 동시에 지정맥1 및 지문2를 스캔하여 지정맥1 정보와 지문2 정보를 금융 거래 중계 서버(100)로 제공한다.That is, referring to FIG. 22, the financial transaction relay system 2 of the present invention simultaneously designates the finger vein 1 and the fingerprint 2 from the finger vein 1 recognizer 210 and the fingerprint 2 recognizer 220 of the customer terminal 200 in step S180. Scan and provide finger vein 1 information and fingerprint 2 information to the financial transaction relay server 100.
단계 S182에서 금융 거래 중계 서버(100)는 지문2 정보와 지정맥1 정보를 인식하고, 단계 S184에서 지문2 정보가 데이터베이스에 저장된 지문2 정보들과 비교하여 유일한 것인지를 판별한다.In step S182, the financial transaction relay server 100 recognizes the fingerprint 2 information and the finger vein 1 information, and in step S184 determines whether the fingerprint 2 information is unique by comparing with the fingerprint 2 information stored in the database.
판별 결과, 지문2 정보가 유일한 것이면, 이 수순은 단계 S188로 진행하고, 유일한 것이 아니면 즉, 지문2 정보가 동일하거나 유사하여 사용자 식별이 어려운 경우이면, 단계 S186에서 지정맥1 정보를 데이터베이스에 저장된 지정맥1 정보와 비교하여 유일한 것인지를 판별한다.As a result of the determination, if the fingerprint 2 information is unique, this procedure proceeds to step S188. If the fingerprint 2 information is not unique, that is, if the fingerprint 2 information is the same or similar and the user identification is difficult, then the finger vein 1 information is stored in the database in step S186. Compare with the finger vein 1 information to determine if it is unique.
판별 결과, 지정맥1 정보가 유일한 것이면, 이 수순은 단계 S188으로 진행하여, 방화벽 해제 및 차단을 위한 사용자 인증을 처리한다.If the determination result indicates that the finger vein 1 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.
단계 S192에서 미들웨어 승인 처리부(120)을 통해 다중 안전 잠금 모듈(110)에서 금융 거래 중계 서버(100)의 데이터베이스를 열 수 있도록 방화벽을 해제하고, 이어서 단계 S194에서 금융 거래 중계 서버(100)는 무인증으로 전자 금융 거래 시스템(300) 또는 전자 상거래 시스템(400)에 접속하여 금융 거래를 중계하도록 처리한다.In step S192, the firewall is released to open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120, and in step S194, the financial transaction relay server 100 is not authenticated. The electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.
그러나 단계 S186 및 단계 S190 각각에서 고객 단말기(200)가 지문2 정보와 지정맥1 정보를 이용하여 사용자 인증이 불가능할 경우에는 단계 S196으로 진행하여 전자 금융 거래 및 전자 상거래를 처리하지 못하도록 금융 거래 중계 서버(100)의 접속을 차단시킨다.However, if the user terminal 200 cannot authenticate the user by using the fingerprint 2 information and the finger vein 1 information in steps S186 and S190 respectively, the process proceeds to step S196 to prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce. The connection of the 100 is cut off.
이와 같이, 본 발명은 상기와 같은 6가지의 메트릭스에 의한 방법으로 구현할 수 있으며, 이에 따라 인체 정보로서의 2가지 이상을 조합함으로써 모방이나 해킹의 우려에서 벗어날 수 있고, 기술적으로 지문이나 지정맥의 오차 부분을 해소할 수 있는 유일한 방법일 수 있다.As described above, the present invention can be implemented by the above six matrix methods, and thus, by combining two or more as human body information, it is possible to free from the fear of imitation or hacking, and technically errors of fingerprints and finger veins. It may be the only way to get rid of parts.
또한, 1개 지문의 오차확률이 10만분의 1이라면, 이를 80%의 인식도로 낮추고, 2개의 모듈을 이용하여 동시 만족 조건으로 한다면, 8만분의 1의 제곱에 해당하는 64억분의 1이 되는 결과가 나타나므로, 지구 인구를 커버할 수 있는 확률이 되어, 현실적으로 동일한 2개의 지문은 있을 수 없다는 결론이 나오게 되는 것이다.In addition, if the error probability of one fingerprint is one hundredth of 100,000, it is reduced to 80% recognition rate, and if two conditions are used to satisfy the simultaneous condition, one-fourth of one hundred thousandths, corresponding to one-eighthsth squared, The results show the probability of covering the Earth's population, leading to the conclusion that no two identical fingerprints can be realistically present.
지정맥의 경우는 더욱더 오차확률이 1억 이상이 되어 이와 조합이 될 경우에는 지구 인구의 수와 대비할 수 없는 것이 되어, 현실적으로 동일한 2개의 지문은 있을 수 없다는 결론이 나오게 되는 것이다.In the case of finger vein, the probability of error is more than 100 million, and when combined with this, it becomes impossible to prepare for the number of the earth's population, and the conclusion is that there can be no two identical fingerprints.
도 23은 본 발명의 인증장치를 이용한 인증방법의 전체 프로세스의 구성 예를 나타내는 도면이고, 도 24는 본 발명의 2개의 손가락에 대한 지문 및 지정맥의 이미지를 구분하여 나타낸 도면이며, 도 25는 본 발명의 지문1과 지문2 및 지정맥1과 지정맥2가 조합의 형태를 나타낼 수 있는 매트릭스표이다.FIG. 23 is a diagram showing an example of the overall process of the authentication method using the authentication apparatus of the present invention. FIG. 24 is a diagram showing images of fingerprints and finger veins for two fingers of the present invention. Fingerprint 1 and fingerprint 2, and finger vein 1 and finger vein 2 of the present invention is a matrix table that can represent the form of the combination.
먼저 대기 중인 상태의 인증 장치의 오브젝트 수용부에 인증대상자가 자신의 손가락을 위치시킨다. 이때 인증방법은 한 개의 손가락의 손가락지문면과 지정맥을 하부 또는/및 측면을 촬영하는 방법이다.First, the authentication target person places his / her finger on the object accommodating unit of the waiting authentication device. At this time, the authentication method is a method of photographing the lower or / and side of the finger fingerprint surface and finger vein of one finger.
하나의 손가락만을 사용하여 인증하는 실시 예의 경우, 한 손가락의 손가락지문면과 측면에 대한 적외선, 가시선 촬영(S200)과 지정맥, 손가락지문 촬영(S210)이 S210이 번갈아가면서 총 2~3번 실시된다. In the embodiment of authenticating using only one finger, the infrared, visible line (S200) and finger vein (S210) of the finger fingerprint surface and the side of one finger are performed a total of two or three times while S210 alternates. do.
즉, 한 손가락의 손가락지문면에 대하여 S200, S210이 실행된 후 동일한 손가락의 측면에 대하여 S200, S210이 실행된다. 이렇게 촬영된 지정맥과 손가락지문 이미지들은 디지털 이미지로 변환된다.That is, S200 and S210 are executed on the finger fingerprint surface of one finger, and then S200 and S210 are executed on the side of the same finger. These finger vein and finger fingerprint images are converted into digital images.
다음으로 제어부는 촬영된 지문과 지정맥 이미지를 추출하는데 (S220), 이때 도 7(a)(b)와 같이 손가락지문 이미지에서 추출된 손가락 지문과, 두 개의 마디 주름 사이를 지정맥 이미지 추출 영역으로 사용하며, 전술한 캐니 모서리 감지 알고리즘을 이용하여 지정맥의 모서리화된 이미지로 처리할 수 있다. Next, the control unit extracts the photographed fingerprint and the finger vein image (S220). At this time, the finger fingerprint extracted from the finger fingerprint image as shown in FIG. It can be used as a corner image of the finger vein using the aforementioned Canny edge detection algorithm.
그런 다음에 생체정보 데이터 저장소에 저장되어 있는 사용자의 생체 데이터를 “지금” 획득되어 이미지 처리된 손가락의 지문과 지정맥 이미지와 비교하여 일치시 지문과 지정맥 인증의 성공이 판별되고, 실패시 인증실패로 판단된다.Then, the biometric data of the user stored in the biometric data store is compared with the fingerprint and finger vein image of the finger that has been acquired and imaged to determine the success of fingerprint and finger vein authentication upon matching. It is considered a failure.
인증결과는 표시부를 통해 표시된다. 그것은 음성을 동반한 결과표시일 수도 있다.The authentication result is displayed through the display unit. It may be a result indication accompanied by a voice.
다음은 2개의 손가락을 촬영하는 방법을 설명한다.The following describes a method of photographing two fingers.
먼저 대기 중인 상태의 인증 장치의 오브젝트 수용부에 인증대상자가 자신의 손가락을 위치시킨다. 이때 인증방법은 두 개의 손가락의 손가락지문면과 지정맥을 하부 또는/및 측면을 촬영하는 방법이다.First, the authentication target person places his / her finger on the object accommodating unit of the waiting authentication device. At this time, the authentication method is a method of photographing the lower or / and the side of the finger fingerprint surface and finger vein of two fingers.
두개의 손가락을 사용하여 인증하는 실시 예의 경우, 두 손가락의 손가락지문면과 하부 또는 측면에 대한 적외선 촬영(S200)과 지정맥, 손가락지문 촬영(S210)이 S210이 번갈아가면서 총 2~3번 실시된다. In the embodiment of authenticating by using two fingers, the infrared fingerprint (S200) and the finger vein, the fingerprint fingerprint (S210) of the finger fingerprint surface and the lower or side of the two fingers are carried out a total of 2-3 times while S210 alternates. do.
즉, 두 손가락의 손가락지문면에 대하여 S200, S210이 실행된 후 동일한 손가락의 측면에 대하여 S200, S210이 실행된다. 이렇게 촬영된 지정맥과 손가락지문 이미지들은 디지털 이미지로 변환된다.That is, after S200 and S210 are executed on the finger fingerprint surfaces of the two fingers, S200 and S210 are executed on the side surfaces of the same finger. These finger vein and finger fingerprint images are converted into digital images.
여기서, 설계에 따라 하부 또는 측면 중 어느 하나를 생략할 수도 있다.In this case, any one of the lower side and the side may be omitted depending on the design.
다음으로 제어부는 촬영된 지문과 지정맥 이미지를 추출하는데 (S220), 이때 도 7(a)(b)와 같이 손가락지문 이미지에서 추출된 손가락지문과, 두 개의 마디 주름 사이를 지정맥 이미지 추출 영역으로 사용하며, 전술한 캐니 모서리 감지 알고리즘을 이용하여 지정맥의 모서리화된 이미지로 처리할 수 있다. Next, the controller extracts the photographed fingerprint and the finger vein image (S220). At this time, the finger fingerprint extracted from the finger fingerprint image as shown in FIG. 7 (a) (b) and the finger vein image extraction area between two node wrinkles. It can be used as a corner image of the finger vein using the aforementioned Canny edge detection algorithm.
그런 다음에 생체정보 데이터 저장소에 저장되어 있는 사용자의 생체 데이터를 “지금” 획득되어 이미지 처리된 손가락의 지문과 지정맥 이미지와 비교하여 일치시 지문과 지정맥 인증의 성공이 판별되고, 실패시 인증실패로 판단된다.Then, the biometric data of the user stored in the biometric data store is compared with the fingerprint and finger vein image of the finger that has been acquired and imaged to determine the success of fingerprint and finger vein authentication upon matching. It is considered a failure.
인증결과는 표시부를 통해 표시된다. 그것은 음성을 동반한 결과표시일 수도 있다.The authentication result is displayed through the display unit. It may be a result indication accompanied by a voice.
본 발명의 인증장치는 예컨대 손가락의 지문이미지와 지정맥 데이터를 동시에 활용하여 인증함으로써 오인식률을 획기적으로 줄일 수 있는 것이다.The authentication device of the present invention can dramatically reduce false recognition rates, for example, by using a fingerprint image and finger vein data of a finger at the same time.
다음은 지문과 지정맥을 인식한 이미지를 활용하는 방법에 대하여 설명한다.The following describes how to use images that recognize fingerprints and finger veins.
도 24, 25에 도시된 바와 같이, 본 발명의 2개의 손가락에 대한 지문 및 지정맥의 이미지를 구분하여 나타낸 도면과, 본 발명의 지문1과 지문2 및 지정맥1과 지정맥2가 조합의 형태를 나타낼 수 있는 매트릭스표를 나타내고 있다.As shown in Figures 24 and 25, the figure showing the image of the fingerprint and finger vein for the two fingers of the present invention, the fingerprint 1 and fingerprint 2 and the finger vein 1 and finger vein 2 of the present invention is a combination of The matrix table which can represent the form is shown.
여기서는 지문 및 지정맥의 이미지를 최소한 복수로 할 수 있는 경우가 6가지의 경우로 나타난다.In this case, there are six cases where at least multiple images of fingerprints and finger veins can be obtained.
결국, 1) 지문1(250an)과 지문2(250ar), 2) 지정맥1(250bn)과 지정맥2(250br), 3) 지문1(250an)과 지정맥1(250bn), 4) 지문2(250ar)와 지정맥2(250br), 5) 지문1(250an)과 지정맥2(250br), 6) 지문2(250ar)와 지정맥1(250bn)이 되는 것이고, 이들을 더욱더 복합적으로 할 수 있으나, 2가지만의 조합으로도 지구상의 인구수를 커버할 수 있는 것이다.After all, 1) fingerprint 1 (250an) and fingerprint 2 (250ar), 2) finger vein 1 (250bn) and finger vein 2 (250br), 3) fingerprint 1 (250an) and finger vein 1 (250bn), 4) fingerprint 2 (250ar) and finger vein 2 (250br), 5) fingerprint 1 (250an) and finger vein 2 (250br), 6) fingerprint 2 (250ar) and finger vein 1 (250bn) However, only two combinations can cover the number of people on the planet.
다음은 본 발명이 하이브리드 웹에 적용되는 기술을 설명한다.The following describes a technique to which the present invention is applied to a hybrid web.
도 26은 본 발명의 하이브리드 웹에 따른 지문 또는/및 지정맥 결제 서비스를 제공하는 전자 결제시스템의 네트워크 구성을 도시한 블럭도이고, 도 27은 도 26에 도시된 고객 클라이언트의 구성을 도시한 블럭도이며, 도 28은 본 발명의 하이브리드 웹에 따른 전자 결제 시스템의 처리 수순을 도시한 흐름도이다.FIG. 26 is a block diagram showing a network configuration of an electronic payment system providing a fingerprint or / and finger vein payment service according to the hybrid web of the present invention. FIG. 27 is a block diagram showing the configuration of a client client shown in FIG. Fig. 28 is a flowchart showing the processing procedure of the electronic payment system according to the hybrid web of the present invention.
도 26은 본 발명에 따른 지문 또는/및 지정맥 결제 서비스를 제공하는 전자 결제시스템의 네트워크 구성을 도시한 블럭도이다.FIG. 26 is a block diagram illustrating a network configuration of an electronic payment system that provides a fingerprint or / and a finger vein payment service according to the present invention.
도 26을 참조하면, 본 발명의 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템(2)은 고객들의 신용 카드 결제를 대체하여 전자 결제가 이루어지도록 지문 또는/및 지정맥을 인식하여 결제 처리하거나, 고객이 기존에 구비하는 신용 카드, 직불 카드, 체크카드 및 계좌 이체 등의 전자 결제 시, 고객의 신원을 지문 또는/및 지정맥 인증을 통해 결제가 이루어지도록 처리한다.Referring to FIG. 26, the electronic payment system 2 using the fingerprint or / and finger vein recognition of the present invention recognizes the fingerprint or / and finger vein to replace the credit card payment of the customers so that payment is made or In the case of electronic payments such as credit cards, debit cards, check cards and bank transfers, the customer's identity is processed so that payment is made through fingerprint or / and finger vein authentication.
이를 위해 본 발명의 전자 결제 시스템(2)은 통신망(10)과, 지문 또는/및 지정맥 결제 서비스 서버(100)와, 복수 개의 고객 클라이언트(200)들과, 신용카드사 서버(300) 및복수 개의 가맹점 클라이언트(400)들을 포함한다.To this end, the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint or / and finger vein payment service server 100, a plurality of customer clients 200, a credit card company server 300 and a plurality of services. Two merchant clients 400.
지문 또는/및 지정맥 결제 서비스 서버(100)는 고객 클라이언트(200)로부터 고객의 지문 또는/및 지정맥 정보를 등록하고, 결제 시 지문 또는/및 지정맥 정보를 인증하여 결제 처리하기 위한 지문 또는/및 지정맥 결제 하이브리드 웹(110)을 구비하고, 이를 통해 고객 클라이언트(200), 가맹점 클라이언트(400) 및 신용카드사 서버(300) 들 간에 통신망(10)을 통해 상호 전자 결제가 이루어지도록 처리한다.Fingerprint or / and finger vein payment service server 100 registers the fingerprint or / and finger vein information of the customer from the client client 200, fingerprint or / and finger vein to authenticate the fingerprint and / or finger vein information at the time of payment / And the finger vein payment hybrid web 110, through which the customer electronic 200, the merchant client 400 and the credit card company server 300 to process the mutual electronic payment is made through the communication network (10). .
고객 클라이언트(200)는 예컨대, 스마트폰, 태블릿 컴퓨터 등과 같이 휴대가 용이한 모바일 단말기로 구비되고, 고객 자신의 지문 또는/및 지정맥 정보를 등록하거나 인증 처리하기 위하여 지문 또는/및 지정맥 인식기(210)를 구비한다. 이 실시예에서 지문 또는/및 지정맥 인식기(210)는 고객 클라이언트(200)의 내부에 모듈 형태로 구비되어 있지만, 고객 클라이언트(200)와 탈부착 가능한 독립적인 장치로 구비될 수도 있다. 이러한 고객 클라이언트(200)는 통신망(10)을 통해 지문 또는/및 지정맥 결제서비스 서버(100)에 접속하여 지문 또는/및 지정맥 결제 하이브리드 웹(110)을 접속한다.The client client 200 is provided as a portable mobile terminal such as, for example, a smartphone or a tablet computer, and includes a fingerprint or / and a finger vein recognizer to register or authenticate a fingerprint or / or finger vein information of the client. 210. In this embodiment, the fingerprint or / and finger vein recognizer 210 is provided in the form of a module inside the customer client 200, it may be provided as a removable device detachable from the customer client 200. The client client 200 accesses the fingerprint or / and finger vein payment service server 100 through the communication network 10 to access the fingerprint or / and finger vein payment hybrid web 110.
또 고객 클라이언트(200)는 지문 또는/및 지정맥 결제 앱(도 12의 202)을 활성화시켜서, 지문 또는/및 지정맥 인식기(210)를 통해 자신의 지문 또는/및 지정맥 정보를 스캐닝하고, 스캐닝된 지문 또는/및 지정맥 정보를 통신망(10)을 통해 지문 또는/및 지정맥 결제 서비스 서버(100)로 제공하여, 고객 자신의 신용 카드에 대체되는 가상 결제 수단 예컨대, 가상 결제 신용 카드, 가상 결제 계좌 등에 매칭시켜서 등록한다. 물론 지문 또는/및 지정맥 결제 서비스 서버(100)에 등록되는 고객 클라이언트(200)의 지문 또는/및 지정맥 정보는 고객의 기발급된 신용 카드, 직불 카드, 체크 카드 및 거래 계좌 정보의 신원 인증 및 확인용으로 등록될 수 있다.In addition, the client client 200 activates a fingerprint or / and finger vein payment app (202 of FIG. 12) to scan his fingerprint or / and finger vein information through the fingerprint or / and finger vein recognizer 210, Providing the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to be replaced by the customer's own credit card, for example, a virtual payment credit card, Register by matching with a virtual payment account. Of course, the fingerprint or / and finger vein information of the customer client 200 registered in the fingerprint or / and finger vein payment service server 100 is the identification of the issued credit card, debit card, check card and transaction account information of the customer And for confirmation.
신용카드사 서버(300)는 고객 클라이언트(200)의 지문 또는/및 지정맥 정보에 대응되는 가상 결제 수단을 발급하고, 지문 또는/및 지정맥 정보를 이용하여 결제 승인 여부를 판별하여 지문 또는/및 지정맥 결제 서비스 서버(100)로 판별 결과를 제공한다. 물론 신용카드사서버(300)는 고객 클라이언트(200)에 대응하는 다른 결제 수단 예컨대, 신용 카드, 직불 카드, 체크 카드 및 거래 계좌 정보의 신원 인증 및 확인용으로 고객 클라이언트(200)의 지문 또는/및 지정맥 정보를 이용할 수 있다.Credit card company server 300 issuing a virtual payment means corresponding to the fingerprint or / and finger vein information of the client client 200, by using the fingerprint or / and finger vein information to determine whether the payment approval fingerprint or / and Provides the determination result to the finger vein payment service server (100). Of course, the credit card company server 300 is a fingerprint or / and fingerprint of the client client 200 for identification and verification of other payment means corresponding to the client client 200, for example credit card, debit card, check card and transaction account information Finger vein information is available.
그리고 가맹점 클라이언트(400)는 온오프 라인을 통해 상품이나 서비스를 판매하는 가맹점에 구비되는 단말기로, 예를 들어, 포스(POS) 단말기, 퍼스널 컴퓨터(PC) 등으로 구비된다. 가맹점 클라이언트(400)는 고객의 지문 또는/및 지정맥 정보를 인식하기 위한 지문 또는/및 지정맥 인식기(410)를 구비한다. 가맹점 클라이언트(400)는 가맹점에서 고객 클라이언트(200)의 고객이 상품이나 서비스를 구매한 후, 결제가 이루어지면, 지문 또는/및 지정맥 인식기(410)를 통해 고객의 지문 또는/및 지정맥 정보를 스캐닝하고, 스캐닝된 지문 또는/및 지정맥 정보를 통신망(10)을 통해 지문 또는/및 지정맥 결제 서비스 서버(100)로 전송하여 결제 승인을 요청한다. 가맹점 클라이언트(400)는 해당 결제 금액에 대한 결제가 신용카드사 서버(300)(또는 다른 결제 시스템)로부터 결제가 승인되면, 지문 또는/및 지정맥 결제 서비스서버(100)를 통해 결제 승인을 확인한다.In addition, the affiliated client client 400 is a terminal provided in an affiliated store that sells a product or a service through an on-off line. For example, the affiliated client client 400 is provided as a POS terminal, a personal computer, or the like. Merchant client 400 has a fingerprint or / and finger vein recognizer 410 for recognizing the fingerprint and / and finger vein information of the customer. Merchant client 400 is a customer after the customer of the client 200 purchases goods or services in the merchant, the payment is made, through the fingerprint or / and finger vein recognizer 410 the fingerprint or / and finger vein information of the customer Scan and transmit the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to request payment approval. The merchant client 400 checks the payment approval through the fingerprint or / and finger vein payment service server 100 when the payment for the corresponding payment is approved from the credit card company server 300 (or another payment system). .
구체적으로, 도 27은 도 26에 도시된 고객 클라이언트의 구성을 도시한 블럭도이다.Specifically, FIG. 27 is a block diagram showing the configuration of the customer client shown in FIG.
도 27을 참조하면, 이 실시예의 고객 클라이언트(200)는 스마트 폰으로 구비되고, 지문 또는/및 지정맥 결제 하이브리드 웹(202)에 접속한다. 이 지문 또는/및 지정맥 결제 하이브리드 웹(202)은 통신망을 통하여 지문 또는/및 지정맥 결제 서비스 서버(100)에 접속하면 된다.Referring to FIG. 27, the customer client 200 of this embodiment is equipped with a smartphone and connects to the fingerprint or / and finger vein payment hybrid web 202. The fingerprint or / and finger vein payment hybrid web 202 may access the fingerprint or / and finger vein payment service server 100 through a communication network.
스마트 폰(200)은 지문 또는/및 지정맥 결제 앱(202)을 활성화시켜서, 고객 자신의 지문 또는/및 지정맥 정보를 지문 또는/및 지정맥 결제 서비스 서버(100)에 등록한다. 이를 위해 스마트 폰(200)은 지문 또는/및 지정맥 인식기(210)가 부착된다. 이는 고객이 지문 또는/및 지정맥 인식기(210)를 구매하는 데에 따른 경제적인 부담감을 제거하고, 지문 또는/및 지정맥 결제 하이브리드 웹(202)의 사용을 적극적으로 장려하기 위하여, 지문 또는/및 지정맥 결제 서비스 서버(100)의 서비스 업체, 가맹점 또는 신용카드사 등에서 지문 또는/및 지정맥 인식기(210)를 상거래 현장에 제공하여, 지문 또는/및 지정맥을 이용한 결제 수단을 등록 및 이용할 때, 스마트 폰(200)에 장착, 분리 가능한 형태로 제공된다.The smartphone 200 activates the fingerprint or / and finger vein payment app 202 to register the fingerprint or / and finger vein information of the customer on the fingerprint or / and finger vein payment service server 100. To this end, the smartphone 200 is attached to the fingerprint or / and finger vein recognizer (210). This removes the financial burden of the customer purchasing the fingerprint or / and the finger vein recognizer 210, and actively encourages the use of the fingerprint or / and the finger vein payment hybrid web 202. And providing a fingerprint or / and finger vein recognizer 210 at a commerce site by a service company, a merchant, or a credit card company of the finger vein payment service server 100 to register and use a payment method using a fingerprint or / and finger vein. , Mounted on the smartphone 200, is provided in a detachable form.
이러한 지문 또는/및 지정맥 인식기(210)는 고객의 혈관 중 사용하기 편한 손가락의 정맥에 근적외선 등을 투사하여 정맥의 헤모글로빈 패턴을 인식하여 고객을 인증하도록 지정맥 정보를 획득한다. 즉, 손가락의 정맥이 근적외광을 흡수하고 정맥 이외의 부분이 근적외광을 투과하는 것을 이용하여, 근적외선을 손가락에 조사하고 근적외선 감도를 가진 스캐너 예를 들어, 적외선 카메라에 의해 손가락을 촬영함으로써 정맥의 화상을 촬영하여, 그 정맥의 패턴을 추출하여 개인 인증에 이용할 수 있다.The fingerprint or / and the finger vein recognizer 210 acquires finger vein information to project the near-infrared rays to the vein of the finger which is easy to use among the blood vessels of the customer to recognize the hemoglobin pattern of the vein to authenticate the customer. That is, the vein of the finger absorbs near infrared light and the portion other than the vein transmits near infrared light, irradiating the near infrared to the finger and photographing the finger by a scanner having a near infrared sensitivity, for example, an infrared camera. By taking an image, the vein pattern can be extracted and used for personal authentication.
구체적으로, 지문 또는/및 지정맥 인식기(210)는 지문 또는/및 지정맥 인식기(210)의 제반 동작을 제어하는 컨트롤러(212), 고객의 손가락을 스캐닝하여 지문 또는/및 지정맥 정보를 획득하는 스캐너(214), 스캐너(214)로부터 획득된 지문 또는/및 지정맥 정보를 저장하는 메모리(216), 스캐너(214)로부터 스캐닝된 지문 또는/및 지정맥 정보를 표시하거나 지문 또는/및 지정맥 인식기(210)의 처리과정을 표시하는 LCD(218) 및, 스마트 폰(200)과 연결되어 스캐너(214)로부터 획득된 지문 또는/및 지정맥 정보를 스마트 폰(200)으로 제공하는 인터페이스 모듈(220)을 포함한다.In detail, the fingerprint or / and the finger vein recognizer 210 controls the overall operation of the fingerprint or / and the finger vein recognizer 210, and acquires fingerprint or / and finger vein information by scanning a finger of a customer. The scanner 214, a memory 216 storing fingerprint and / or finger vein information obtained from the scanner 214, the fingerprint or / and finger vein information scanned from the scanner 214, or displaying a fingerprint or / and designation. LCD 218 for displaying the process of the Mac recognizer 210, and an interface module connected to the smart phone 200 to provide a fingerprint or / and finger vein information obtained from the scanner 214 to the smart phone 200 220.
또 지문 또는/및 지정맥 인식기(210)는 스캐너(214)로부터 지문 또는/및 지정맥 정보를 획득 시, 손가락의 온도를 감지하는 온도 센서(222)와 손가락에 흐르는 혈액을 인식하는 혈류 인식 센서(224)를 더 구비한다. 이러한 온도 센서(222)와 혈류 인식 센서(224)는 예를 들어, 일정 시간 동안에 타인의 손가락만 이용하여 지문 또는/및 지정맥 정보를 스캐닝 가능한 문제점을 보완 및 해소하기 위하여, 지문 또는/및 지정맥 인식기(210)는 스캐너(214)로부터 획득되는 지문 또는/및 지정맥 정보와 함께, 손가락의 온도 및 혈류의 흐름을 인식하여 이상이 없다고 판단되면, 스캐너(214)로부터 획득된 지문 또는/및 지정맥 정보를 스마트 폰(200)으로 제공하도록 처리한다.In addition, the fingerprint or / and the finger vein recognizer 210, when acquiring fingerprint or / and finger vein information from the scanner 214, the temperature sensor 222 for detecting the temperature of the finger and the blood flow sensor for recognizing blood flowing through the finger 224 is further provided. The temperature sensor 222 and the blood flow sensor 224 may, for example, use fingerprints and / or designations to compensate for and solve the problem of scanning fingerprint or / and finger vein information using only another person's finger for a certain time. The MAC recognizer 210 recognizes the temperature of the finger and the flow of blood flow together with the fingerprint or / and finger vein information obtained from the scanner 214, and if it is determined that there is no abnormality, the fingerprint or / and acquired from the scanner 214. Processes to provide finger vein information to the smartphone (200).
이러한 지문 또는/및 지정맥 인식기(210)의 구성은 가맹점 클라이언트(400)의 지문 또는/및 지정맥 인식기(410)와 대체로 유사하거나 동일한 구성을 갖도록 구비된다. 따라서 여기서는 가맹점 클라이언트(400)의 지문 또는/및 지정맥 인식기(410)에 대한 구체적인 구성이나 기능에 대한 설명을 생략한다.The configuration of the fingerprint or / and the finger vein recognizer 210 is provided to have a substantially similar or identical configuration to the fingerprint or / and the finger vein recognizer 410 of the merchant client 400. Therefore, the description of the specific configuration or function of the fingerprint or / and finger vein recognizer 410 of the merchant client 400 will be omitted here.
그리고 도 28은 본 발명에 따른 전자 결제 시스템의 처리 수순을 도시한 흐름도이다. 이 수순은 본 발명에 따른 지문 또는/및 지정맥 결제 서비스 서버(100)에 의해 처리되는 프로그램으로, 이 프로그램은 지문 또는/및 지정맥 결제 하이브리드 웹과 연동되며, 지문 또는/및 지정맥 결제서비스 서버(100)의 저장부(미도시됨)에 저장되고, 고객 클라이언트(200)에 설치된다. 이 지문 또는/및 지정맥 결제 하이브리드 웹(110)은 고객 클라이언트(200), 가맹점 클라이언트(400), 신용카드사 서버(300) 및 지문 또는/및 지정맥 결제 서비스 서버(100)가 상호 연계되어 처리된다.28 is a flowchart showing the processing procedure of the electronic payment system according to the present invention. This procedure is a program processed by the fingerprint or / and finger vein payment service server 100 according to the present invention, the program is linked to the fingerprint or / and finger vein payment hybrid web, fingerprint or / and finger vein payment service It is stored in a storage unit (not shown) of the server 100 and installed in the customer client 200. The fingerprint or / and finger vein payment hybrid web 110 is processed by the customer client 200, merchant client 400, credit card company server 300 and the fingerprint or / and finger vein payment service server 100 is interconnected do.
도 28을 참조하면, 본 발명의 전자 결제 시스템(2)은 단계 S150에서 지문 또는/및 지정맥 결제 서비스 서버(100)에 지문 또는/및 지정맥 결제 하이브리드 웹(110)을 제공한다. 단계 S152에서 고객클라이언트(200)는 통신망(10)을 통하여 지문 또는/및 지정맥 결제 서비스 서버(100)에 접속하고, 지문 또는/및 지정맥 결제 하이브리드 웹(110)과 접속한다.Referring to FIG. 28, the electronic payment system 2 of the present invention provides the fingerprint or / and finger vein payment hybrid web 110 to the fingerprint or / and finger vein payment service server 100 in step S150. In step S152, the client client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10, and is connected to the fingerprint or / and finger vein payment hybrid web 110.
단계 S154에서 고객 클라이언트(200)는 설치된 지문 또는/및 지정맥 결제 하이브리드 웹(202)을 활성화시키고, 지문 또는/및 지정맥 인식기(210)를 통해 고객 자신의 지문 또는/및 지정맥 정보를 획득하고, 획득된 지문 또는/및 지정맥 정보를 통신망(10)을 통해 지문 또는/및 지정맥 결제 서비스 서버(100)로 제공한다. 단계 S156에서 지문 또는/및 지정맥 결제 서비스 서버(100)는 고객 클라이언트(200)로부터 제공된 지문 또는/및 지정맥 정보를 데이터베이스(120)에 저장 등록한다. 이 때, 지문 또는/및 지정맥 결제서비스 서버(100)는 통신망(10)을 통해 지문 또는/및 지정맥 정보를 신용카드사 서버(300)로 전송한다.In step S154, the client client 200 activates the installed fingerprint or / and finger vein payment hybrid web 202 and acquires his or her own fingerprint or / and finger vein information through the fingerprint or / and finger vein recognizer 210. Then, the obtained fingerprint or / and finger vein information is provided to the fingerprint or / and finger vein payment service server 100 through the communication network (10). In operation S156, the fingerprint or / and finger vein payment service server 100 stores and registers the fingerprint or / and finger vein information provided from the client client 200 in the database 120. At this time, the fingerprint or / and finger vein payment service server 100 transmits the fingerprint or / and finger vein information to the credit card company server 300 through the communication network (10).
단계 S158에서 신용카드사 서버(300)는 지문 또는/및 지정맥 결제 서비스 서버(100)로부터 전송된 지문 또는/및 지정맥 정보를 신용카드사 서버(300)에 등록된 고객의 결제 수단에 매칭시켜서 등록하거나, 신용카드사 서버(300)로부터 기발급된 신용 카드, 직불 카드, 체크 카드 및 거래 계좌 등에 대응시켜서 매칭하여 등록한다. 따라서 상술한 단계 S150 내지 단계 S158을 통해 고객 클라이언트(200)는 지문 또는/및 지정맥 정보에 대한 전자 결제 처리가 가능하도록 등록된다.In step S158, the credit card company server 300 registers the fingerprint or / and finger vein information transmitted from the finger vein payment service server 100 by matching the payment means of the customer registered in the credit card company server 300 Or, correspond to the credit card, debit card, check card and transaction account issued from the credit card company server 300 to register and match. Therefore, through the above-described step S150 to step S158, the customer client 200 is registered to enable the electronic payment processing for the fingerprint or / and finger vein information.
단계 S160에서 가맹점에서 상거래가 발생되면, 가맹점 클라이언트(400)의 지문 또는/및 지정맥 인식기(410)로부터 고객의 지문 또는/및 지정맥 정보를 인식하고, 단계 S162에서 지문 또는/및 지정맥 정보와 결제 정보를 지문 또는/및 지정맥 결제 서비스 서버(100)로 전송하여 상거래에 따른 결제 승인을 요청한다.When the transaction occurs in the affiliated store in step S160, the fingerprint or / and finger vein information of the customer from the fingerprint or / and finger vein recognizer 410 of the merchant client 400, the fingerprint or / and finger vein information in step S162 And payment information is sent to the fingerprint or / and finger vein payment service server 100 to request payment approval according to the commerce.
단계 S164에서 지문 또는/및 지정맥 결제 서비스 서버(100)는 가맹점 클라이언트(400)로부터 전송된 지문 또는/및 지정맥 정보를 데이터베이스(120)에 등록된 지문 또는/및 지정맥 정보와 비교, 분석하여 고객의 인증 상태를 판별한다. 판별 결과, 두 지문 또는/및 지정맥 정보가 일치되면, 단계 S166에서 지문 또는/및 지정맥 결제 서비스 서버(100)는 해당 고객의 결제 수단으로 결제가 이루어지도록 신용카드사 서버(300)로 결제 승인을 요청하고, 판별 결과, 두 지문 또는/및 지정맥 정보가 일치되지 않으면, 가맹점 클라이언트(400)로 승인 거절 및 거절 사유 등을 알려준다.In operation S164, the fingerprint or / and finger vein payment service server 100 compares and analyzes the fingerprint or / and finger vein information transmitted from the affiliate client 400 with the fingerprint or / and finger vein information registered in the database 120. To determine the authentication status of the customer. As a result of the determination, when the two fingerprints and / or finger vein information match, in step S166, the fingerprint or / and finger vein payment service server 100 approves the payment to the credit card company server 300 so that the payment is made by the customer's payment means. If the request, and the determination result, the two fingerprints and / and finger vein information does not match, the merchant client 400 informs the reason for rejection and rejection, and the like.
단계 S168에서 신용카드사 서버(300)가 결제 요청된 지문 또는/및 지정맥 정보에 대응하는 결제 수단을 통해 결제가 승인되면, 가맹점 클라이언트(400)와 지문 또는/및 지정맥 결제 서비스 서버(100)로 결제가 승인되었음을 알려준다. 단계 S170에서 지문 또는/및 지정맥 결제 서비스 서버(100)가 고객 클라이언트(200)로 결제 승인 결과를 전송하고, 단계 S172에서 가맹점 클라이언트(400)는 결제 승인되었음을 확인하고, 이어서 단계 S174에서 고객 클라이언트(200)는 결제 승인되었음을 확인한다.In step S168, if the credit card company server 300 is approved through the payment means corresponding to the fingerprint or / and finger vein information requested for payment, the merchant client 400 and the fingerprint or / and finger vein payment service server 100 To confirm that the payment was approved. In operation S170, the fingerprint or / and finger vein payment service server 100 transmits a payment approval result to the client client 200, in step S172, the affiliated client client 400 confirms that the payment is approved, and then, in step S174, the client client 200 confirms that payment has been approved.
따라서 본 발명의 지문 또는/및 지정맥 인증을 이용한 전자 결제 시스템(2)은 고객의 지문 또는/및 지정맥 정보를 지문 또는/및 지정맥 결제 서비스 서버(100)에 등록하고, 이를 통해 가맹점 클라이언트(400)로부터 상거래 발생 시, 지문 또는/및 지정맥 정보를 판별하여 고객의 지문 또는/및 지정맥 정보에 매칭된 결제 수단을 통해 결제가 이루어지도록 처리한다.Therefore, the electronic payment system (2) using the fingerprint or / and finger vein authentication of the present invention registers the fingerprint or / and finger vein information of the customer to the fingerprint or / and finger vein payment service server 100, through which the merchant client When the commerce occurs from 400, the fingerprint or / and the finger vein information is determined to process the payment is made through the payment means matched to the fingerprint or / and finger vein information of the customer.
도 29는 본 발명의 바람직한 어느 실시 예에 따른 지문 또는/및 지정맥 촬영 인증장치(1200)의 내부 전자적 구성 예를 나타낸다. 29 shows an example of an internal electronic configuration of the fingerprint or / and finger vein imaging authentication device 1200 according to an embodiment of the present invention.
본 발명의 통합촬영인증장치(인식기)(1200)는 적외선광원부(1240), 지정맥이미지센서(1230), 손가락지문이미지센서(1220), 디지털 변환부(1290), 복호화 알고리즘부(1260), 남여식별처리부(1265), 생체정보 데이터 저장소(1270) 및 표시부(1280)를 포함한다. Integrated photographing authentication device (recognizer) 1200 of the present invention is an infrared light source 1240, finger vein image sensor 1230, finger fingerprint image sensor 1220, digital converter 1290, decryption algorithm unit 1260, It includes a male and female identification processor 1265, a biological information data storage 1270 and a display unit 1280.
또한, 도면에는 표시되어 있지 않지만, 전원부, 통신부 및 다양한 I/O 디바이스를 포함할 수 있다.In addition, although not shown in the drawings, it may include a power supply unit, a communication unit, and various I / O devices.
적외선 광원부(1240)는 오브젝트 수용부를 향하여 적외선 광을 조사한다. 바람직하게는 지정맥 이미지를 촬상하기 적합한 630~1,000nm 파장의 적외선광을 방출하는 것으로서 1개 이상의 LED로 구성될 수 있다. 또한 바람직하게는 광학필터가 설치되어 광 노이즈를 제거하도록 할 수 있다. The infrared light source unit 1240 irradiates infrared light toward the object accommodating unit. Preferably it can be composed of one or more LEDs that emit infrared light of 630 ~ 1,000nm wavelength suitable for imaging the finger vein image. Also, preferably, an optical filter may be installed to remove optical noise.
가시선 광원부(1242)는 오브젝트 수용부를 향하여 가시광선을 조사한다. 손가락 표면의 손가락지문을 촬영하기 적합한 파장의 자외선광을 방출하는 것으로써, 1개 이상의 LED로 구성될 수 있다.The visible light source part 1242 irradiates visible light toward the object accommodating part. It can be composed of one or more LEDs by emitting ultraviolet light of a wavelength suitable for capturing the fingerprint of the finger surface.
또한, 본 발명의 어떤 실시 예에서는 오브젝트 수용부를 향해 적외선광과 가시선광을 조사하는 적외선 광원부(1240)와 가시선광원부(1242)가 각각 하나 설치될 수 있다. In addition, in some embodiments of the present invention, one infrared light source unit 1240 and one visible light source unit 1242 may be provided to irradiate infrared light and visible light toward the object receiving unit.
본 발명의 다른 실시예에서는 적외선 광원부(1240)와 가시선 광원부(1242)를 오브젝트 수용부(1101) 안에 여러 개 설치하여 오브젝트에 골고루 적외선과 가시선이 도달하도록 하여 이미지 획득에 최적화할 수 있다.According to another exemplary embodiment of the present invention, the infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object receiving unit 1101 so that the infrared and visible lines reach the object evenly, thereby optimizing for image acquisition.
본 발명의 바람직한 실시 예에서 지정맥이미지센서(1220)(1230)는 하부 및 측부에서 1 개의 손가락 오브젝트 대한 지정맥 이미지를 획득한다. In a preferred embodiment of the present invention, the finger vein image sensor 1220, 1230 obtains a finger vein image for one finger object at the bottom and side.
본 발명의 다른 바람직한 실시 예에서 지정맥이미지센서(1230)는 하나의 손가락 오브젝트 대한 지문면과 측면의 지정맥 이미지를 획득한다. In another preferred embodiment of the present invention, the finger vein image sensor 1230 obtains the finger vein image of the fingerprint surface and the side for one finger object.
손가락 오브젝트의 정면 이미지 촬영시 손가락의 손가락지문면이 스캔패널에 닿도록 올려놓고 촬영하고, 지정맥이미지센서(1220)(1230)의 수에 따라 측면 이미지 촬영시 손가락을 그대로 옆으로 90도 굴려서 측면이 스캔패널에 닿도록 한다. 손가락의 손가락지문면과 측면의 촬영 순서는 서로 바뀔 수 있다.When shooting the front image of the finger object, the image is placed so that the finger fingerprint surface of the finger touches the scanning panel, and according to the number of finger vein image sensors 1220 and 1230, the side of the finger is rolled 90 degrees to the side. Touch this scan panel. The photographing order of the finger fingerprint surface and the side of the finger may be interchanged.
디지털 변환부(1290)는 상기 지문 또는/및 지정맥 이미지와 손가락지문 이미지를 모두 받아들여 지정맥과 손가락지문이미지로 추출해낸다. 디지털 변환부(1250)에 의해서 본 발명은 손가락에 대한 지정맥과 손가락지문 이미지 파일을 얻는다. The digital converter 1290 receives both the fingerprint or / and the finger vein image and the finger fingerprint image and extracts the finger vein and the finger fingerprint image. By the digital conversion unit 1250, the present invention obtains the finger vein and finger fingerprint image file for the finger.
제어부(1210)는 디지털 변환부(1290)에서 변환된 이미지 파일들이 매칭알고리즘부(1260)로 전달되도록 한다.The controller 1210 allows the image files converted by the digital converter 1290 to be delivered to the matching algorithm unit 1260.
상기 남여식별처리부(1265)는 상기 지문과 지정맥을 동시 인증시에 남자정보는 "1", 여자정보는 "2"로 구분하여 등록하는 기능을 하게 된다.The male and female identification processing unit 1265 performs a function of dividing and registering male information as "1" and female information as "2" during simultaneous authentication of the fingerprint and the finger vein.
생체정보 데이터 저장소(1270)에는 사전에 저장된 사용자의 생체정보가 보관되어 있다. 본 발명의 어느 실시 예에 있어서 생체정보 데이터 저장소(1270)는 인증장치(1200) 내부 메모리에 구축될 수 있다. The biometric data storage 1270 stores biometric information of a user stored in advance. In some embodiments of the present disclosure, the biometric data store 1270 may be built in an internal memory of the authentication device 1200.
생체정보 데이터 저장소(1270)는 외부로부터의 하드웨어, 소프트웨어적 공격이나 도난으로부터 보호될 수 있는 암호프로세서(Crypto-processor)를 사용할 수 있다.The biometric data store 1270 may use a crypto-processor that can be protected from external hardware, software attacks or theft.
매칭 알고리즘부(1260)는 상기 생체정보 데이터 저장소(1270)에 저장되어 있는 사용자의 데이터를 획득한 후, 디지털 변환부(1290)에서 획득한 사용자 생체정보값과 일치하는지 여부를 판단한다. 일치하는 경우 표시부(1280)를 통해서 성공 메시지를 출력할 수 있다. 만약 복호화 실패시에는 표시부(1280)에 인증 실패 메시지를 출력할 수 있다.The matching algorithm unit 1260 acquires user data stored in the biometric data storage 1270 and then determines whether the matching algorithm 1260 matches the user biometric information obtained by the digital converter 1290. If it matches, the success message may be output through the display unit 1280. If the decryption fails, the authentication failure message may be output to the display unit 1280.
제어부(1210)는 인증장치(1200)의 동작과 기능을 제어한다. The controller 1210 controls the operation and function of the authentication device 1200.
이와 같은 상세한 설명에 기초하여 본 발명의 인증장치의 인증 프로세스 실시 예를 다시 정리하면 도 30과 같다.Based on this detailed description, the embodiment of the authentication process of the authentication apparatus of the present invention is rearranged as shown in FIG. 30.
도 30은 본 발명의 도 29에 대응되는 남녀식별정보의 처리 수순을 도시한 흐름도이다.30 is a flowchart illustrating a processing procedure of gender identification information corresponding to FIG. 29 of the present invention.
먼저 대기 중인 상태의 인증 장치의 오브젝트 수용부에 인증대상자가 자신의 손가락을 위치시킨다. 이때 인증방법은 한 개의 손가락의 손가락지문면과 지정맥을 하부 또는/및 측면을 촬영하는 방법이다.First, the authentication target person places his / her finger on the object accommodating unit of the waiting authentication device. At this time, the authentication method is a method of photographing the lower or / and side of the finger fingerprint surface and finger vein of one finger.
하나의 손가락만을 사용하여 인증하는 실시 예의 경우, 한 손가락의 손가락지문면과 측면에 대한 적외선, 가시선 촬영(S200)과 지정맥, 손가락지문 촬영(S210)이 S210이 번갈아가면서 총 2~3번 실시된다. In the embodiment of authenticating using only one finger, the infrared, visible line (S200) and finger vein (S210) of the finger fingerprint surface and the side of one finger are performed a total of two or three times while S210 alternates. do.
즉, 한 손가락의 손가락지문면에 대하여 S200, S210이 실행된 후 동일한 손가락의 측면에 대하여 S200, S210이 실행된다. 이렇게 촬영된 지정맥과 손가락지문 이미지들은 디지털 이미지로 변환된다.That is, S200 and S210 are executed on the finger fingerprint surface of one finger, and then S200 and S210 are executed on the side of the same finger. These finger vein and finger fingerprint images are converted into digital images.
또한, S215단계에서는 남녀식별처리부(265)에서 남녀 고객정보를 등록시에 남자는 "1", 여자는 "2"로 구분하여 등록한다.In operation S215, the male and female identification information processing unit 265 registers the male and female customer information by dividing the male into “1” and the female into “2”.
이러한 고객정보는 고객클라이언트나 가맹점클라이언트에서 등록하고, 이를 판별하는 수순으로 하게 되면, 본 발명의 오인식확률을 1/2로 줄여들게 할 수 있는 것이다.When such customer information is registered in the customer client or the merchant client, and the procedure for determining the same, the probability of misrecognition of the present invention can be reduced to 1/2.
상기 고객 정보는 고객 클라이언트가 지문 또는/및 지정맥 결제 앱 또는 하이브리드 웹을 활성화시켜서 회원으로 등록하는 경우에 입력된 고객의 회원 정보 예를 들어, 이름, 남녀, 인증된 휴대폰 번호 등의 연락처, 비밀 번호, 이메일 주소 등을 포함한다.The customer information is entered in the case where the client client registers as a member by activating a fingerprint or / and finger vein payment app or a hybrid web, for example, contact information such as name, gender, authenticated mobile phone number, and secret. Include numbers, email addresses, and more.
다음으로 제어부는 촬영된 지문과 지정맥 이미지를 추출하는데 (S220), 이때 도 6(a)(b)와 같이 손가락지문 이미지에서 추출된 손가락 지문과, 두 개의 마디 주름 사이를 지정맥 이미지 추출 영역으로 사용하며, 전술한 캐니 모서리 감지 알고리즘을 이용하여 지정맥의 모서리화된 이미지로 처리할 수 있다. Next, the controller extracts the photographed fingerprint and the finger vein image (S220). At this time, the finger fingerprint extracted from the finger fingerprint image as shown in FIG. 6 (a) (b) and the finger vein image extraction region between two node wrinkles. It can be used as a corner image of the finger vein using the aforementioned Canny edge detection algorithm.
그리고, S225단계에서는 남녀식별처리부(265)에서 등록된 남녀 고객정보를 남자는 "1", 여자는 "2"로 구분하여 정보를 판별한다.In operation S225, the male and female customer information registered in the male and female identification processing unit 265 is classified into "1" for a man and "2" for a woman to determine the information.
그런 다음에 S230단계에서 생체정보 데이터 저장소에 저장되어 있는 사용자의 생체 데이터를 “지금” 획득되어 이미지 처리된 손가락의 지문과 지정맥 이미지와 비교하여 일치시 지문과 지정맥 인증의 성공이 판별되고, 실패시 인증실패로 판단된다.Then, in step S230, the biometric data of the user stored in the biometric data store is acquired "now" and compared with the fingerprint and the finger vein image of the processed finger to determine the success of fingerprint and finger vein authentication, If it fails, it is considered as an authentication failure.
그리고, S240단계에서 인증결과는 표시부를 통해 표시된다. 그것은 음성을 동반한 결과표시일 수도 있다.In operation S240, the authentication result is displayed through the display unit. It may be a result indication accompanied by a voice.
본 발명의 인증장치는 예컨대 손가락의 지문이미지와 지정맥 데이터를 동시에 활용하여 인증함으로써 오인식률을 획기적으로 줄였다. For example, the authentication device of the present invention dramatically reduces the false recognition rate by authenticating by using the fingerprint image and finger vein data of the finger at the same time.
본 발명에서 하나의 손가락을 사용하여 인증하는 방법을 서술한 것이나, 화상 등의 안정성을 위하여 3개 손가락의 지문 또는/및 지정맥을 동일한 매커니즘을 적용할 수 있다.In the present invention, a method of authenticating using one finger is described, but the same mechanism may be applied to the fingerprints and / or finger veins of three fingers for stability of an image or the like.
이러한 기술에 의하여 우리가 가장 많이 사용하는 모바일에도 가장 소형화될 수 있는 기술을 개발함으로써 적용이 가능하고, 비용 또한 지문인식기와 같은 정도의 비용에 해당되어 범용적으로 보안이 필요한 장비에는 사용될 수 있는 획기적인 여건이 되는 것이다.This technology can be applied by developing the technology that can be miniaturized to the mobile that we use the most, and it is equivalent to the cost of fingerprint reader, so it can be used for the equipment that needs security universally. It is a condition.
이상에서, 본 발명에 따른 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 구성 및 작용을 상세한 설명과 도면에 따라 도시하였지만, 이는 실시예를 들어 설명한 것에 불과하며, 본 발명의 기술적 사상을 벗어나지 않는 범위 내에서 다양한 변화 및 변경이 가능하다.In the above, the configuration and operation of the electronic payment system using the fingerprint or / and finger vein recognition in accordance with the present invention has been shown according to the detailed description and drawings, but this is only described by way of example, and do not depart from the spirit of the present invention. Many variations and modifications are possible without departing from the scope of the invention.

Claims (9)

  1. 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템에 있어서:In an electronic payment system using fingerprint or / and finger vein recognition:
    통신망과;Communication network;
    상기 통신망에 연결되고, 고객 자신의 제1 지문 또는/및 지정맥 정보를 획득하는 고객 클라이언트와;A customer client connected to the communication network and acquiring a first fingerprint or / and finger vein information of the customer;
    상기 통신망에 연결되고, 상거래 발생 시, 상기 고객 클라이언트의 상기 고객에 대한 제2 지문 또는/및 지정맥 정보를 획득하는 가맹점 클라이언트 및;An affiliated client connected to the communication network and acquiring a second fingerprint or / and finger vein information for the customer of the customer client when a commerce occurs;
    상기 통신망을 통하여 상기 고객 클라이언트로부터 제1 지문 또는/및 지정맥 정보를 받아서 결제 수단에 대응시켜 등록하고, 상기 가맹점 클라이언트로부터 제2 지문 또는/및 지정맥 정보가 전송되면, 제1 및 제2 지문 또는/및 지정맥 정보를 비교하여, 상기 고객을 인증 처리하고, 제1 지문 또는/및 지정맥 정보에 대응되는 상기 결제 수단을 통해 결제가 이루어지도록 처리하는 결제 서비스 서버를 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제시스템.Receiving and registering a first fingerprint or / and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint or / and finger vein information is transmitted from the merchant client, the first and second fingerprints Or / and comparing the finger vein information, the payment service server for processing the authentication to the customer, the payment is made through the payment means corresponding to the first fingerprint or / and the finger vein information, characterized in that it comprises a Electronic payment system using fingerprint or / and finger vein recognition.
  2. 제 1 항에 있어서,The method of claim 1,
    상기 전자 결제 시스템은;The electronic payment system;
    상기 결제 수단이 신용 카드에 대응되는 수단인 경우, 상기 고객이 인증되면, 상기 결제 수단으로부터 결제가 이루어지도록 승인 처리하는 신용카드사서버를 더 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템.If the payment means is a means corresponding to a credit card, the fingerprint card and / or finger vein recognition characterized in that it further comprises a credit card company server for processing the approval to make a payment from the payment means when the customer is authenticated Electronic payment system.
  3. 제 1 항 또는 제 2 항에 있어서,The method according to claim 1 or 2,
    상기 고객 클라이언트는 제1 지문 또는/및 지정맥 정보를 획득하는 제1 지문 또는/및 지정맥 인식기를 구비하고, 상기 가맹점 클라이언트는 제2 지문 또는/및 지정맥 정보를 획득하는 제2 지문 또는/및 지정맥 인식기를 구비하되;The client client has a first fingerprint or / and finger vein recognizer to obtain a first fingerprint and / or finger vein information, and the merchant client has a second fingerprint or / and obtains finger vein information. And a finger vein recognizer;
    상기 제1 또는 상기 제2 지문 또는/및 지정맥 인식기는;The first or second fingerprint or / and finger vein recognizer;
    상기 고객의 손가락을 스캐닝하여 제1 또는 제2 지문 또는/및 지정맥 정보를 획득하는 스캐너와;A scanner for scanning a finger of the customer to obtain first or second fingerprint or / and finger vein information;
    상기 스캐너로부터 획득된 제1 또는 제2 지문 또는/및 지정맥 정보를 저장하는 메모리와;A memory for storing first or second fingerprint and / or finger vein information obtained from the scanner;
    상기 스캐너로부터 스캐닝된 제1 또는 제2 지문 또는/및 지정맥 정보를 표시하거나 상기 제1 또는 상기 제2 지문 또는/및 지정맥 인식기의 동작 상태를 표시하는 LCD와;An LCD for displaying first or second fingerprint and / or finger vein information scanned from the scanner, or for displaying an operation state of the first or second fingerprint and / or finger vein recognizer;
    상기 고객 클라이언트 또는 상기 가맹점 클라이언트와 연결되어 상기 스캐너로부터 획득된 제1 또는 제2 지문 또는/및 지정맥 정보를 상기 고객 클라이언트 또는 상기 가맹점 클라이언트로 제공하는 인터페이스 모듈 및;An interface module connected to the client client or the merchant client and providing the first client or the second fingerprint and / or finger vein information obtained from the scanner to the client client or the merchant client;
    상기 제1 또는 상기 제2 지문 또는/및 지정맥 인식기의 제반 동작을 제어하는 컨트롤러를 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템.And a controller for controlling all operations of the first or second fingerprint and / or finger vein recognizer.
  4. 제 1 항 또는 제 2 항에 있어서,The method according to claim 1 or 2,
    상기 고객 클라이언트는 제1 지문 또는/및 지정맥 정보를 획득하는 제1 지문 또는/및 지정맥 인식기를 구비하고, 상기 가맹점 클라이언트는 제2 지문 또는/및 지정맥 정보를 획득하는 제2 지문 또는/및 지정맥 인식기를 구비하되, 상기 제1 또는 상기 제2 지문 또는/및 지정맥 인식기로서의 오브젝트 수용부(201) 내의 스캔패널(250)은 지문손가락접촉부(250a)와 지정맥손가락비접촉부(250b)가 전후로 단을 이루면서 형성하되, 상기 스캔패널(250)의 지정맥손가락비접촉부(250b)에는 지정맥을 촬영하는 이미지센서(230)가 하부에서 안착될 수 있는 홈으로 형성될 수 있도록 주위에 홈측벽(251)을 형성하고, 그 주위 상단테두리로 손가락을 얹어 놓을 수 있는 손가락안착부(252)에 형성된 지문손가락접촉부(250a)와 지정맥손가락비접촉부(250b)가 나란히 2개의 손가락을 인증할 수 있도록 2줄로 형성되어 있되, 상기 지문과 지정맥을 동시에 인증하는 통합촬영인증장치(인식기)는 1) 지문1(250an)과 지문2(250ar), 2) 지정맥1(250bn)과 지정맥2(250br), 3) 지문1(250an)과 지정맥1(250bn), 4) 지문2(250ar)와 지정맥2(250br), 5) 지문1(250an)과 지정맥2(250br), 6) 지문2(250ar)와 지정맥1(250bn) 중에서 어느 하나를 택일적으로 선택되어 인증하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템.The client client has a first fingerprint or / and finger vein recognizer to obtain a first fingerprint and / or finger vein information, and the merchant client has a second fingerprint or / and obtains finger vein information. And a finger vein recognizer, wherein the scan panel 250 in the object receiving portion 201 as the first or the second fingerprint or / and the finger vein recognizer has a fingerprint finger contact portion 250a and a fingerless finger contact portion 250b. ) Is formed while forming a step back and forth, the finger vein contact portion 250b of the scan panel 250 is so around that the image sensor 230 for photographing the finger vein may be formed as a groove that can be seated from the bottom A fingerprint finger contact portion 250a and a fingertip non-contact portion 250b formed on the finger seating portion 252 capable of forming a groove side wall 251 and on which a finger is placed on the upper edge of the circumference thereof may authenticate two fingers side by side. It is formed in two lines, but the integrated photographing authentication device (recognizer) for authenticating the fingerprint and the finger vein at the same time is 1) fingerprint 1 (250an) and fingerprint 2 (250ar), 2) finger vein 1 (250bn) and designation Mac 2 (250br), 3) Fingerprint 1 (250an) and finger vein 1 (250bn), 4) Fingerprint 2 (250ar) and finger vein 2 (250br), 5) Fingerprint 1 (250an) and finger vein 2 (250br) 6) Electronic payment system using a fingerprint or / and finger vein recognition, characterized in that any one of the fingerprint 2 (250ar) and finger vein (250bn) is selectively selected and authenticated.
  5. 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법에 있어서:A method of processing an electronic payment system using fingerprint or / and finger vein recognition:
    상기 전자 결제 시스템의 지문 또는/및 지정맥 결제 서비스 서버에 지문 또는/및 지정맥 결제 앱을 제공하고, 고객 클라이언트가 통신망을 통하여 상기 지문 또는/및 지정맥 결제 서비스 서버에 접속하고, 상기 지문 또는/및 지정맥 결제 앱을 다운로드 받아서 내부에 설치하는 단계와;Providing a fingerprint or / and finger vein payment app to a fingerprint or / and finger vein payment service server of the electronic payment system, and a client client accesses the fingerprint or / and finger vein payment service server through a communication network, Downloading and installing the finger vein payment app;
    상기 고객 클라이언트가 설치된 상기 지문 또는/및 지정맥 결제 앱을 활성화시키고, 상기 고객 클라이언트의 제1 지문 또는/및 지정맥 인식기를 통해 고객 자신의 제1 지문 또는/및 지정맥 정보를 획득하고, 획득된 제1 지문 또는/및 지정맥 정보를 상기 통신망을 통해 상기 지문 또는/및 지정맥 결제 서비스 서버로 제공하는 단계와;Activates the fingerprint or / and finger vein payment app on which the client client is installed, obtains and obtains the first fingerprint or / and finger vein information of the customer through the first fingerprint or / and finger vein recognizer of the client client; Providing the first fingerprint or / and finger vein information to the fingerprint or / and finger vein payment service server through the communication network;
    상기 지문 또는/및 지정맥 결제 서비스 서버가 상기 고객 클라이언트로부터 제공된 제1 지문 또는/및 지정맥 정보를 데이터베이스에 저장 등록하고, 상기 통신망을 통해 제1 지문 또는/및 지정맥 정보를 신용카드사 서버로 전송하는 단계와;The fingerprint or / and finger vein payment service server stores and registers the first fingerprint or / and finger vein information provided from the client client in a database, and transmits the first fingerprint or / and finger vein information to the credit card company server through the communication network. Transmitting;
    상기 신용카드사 서버가 상기 지문 또는/및 지정맥 결제 서비스 서버로부터 전송된 제1 지문 또는/및 지정맥 정보를 등록된 고객의 결제 수단에 매칭시켜서 등록하는 단계와;Registering by the credit card company server by matching the first fingerprint or / and finger vein information transmitted from the fingerprint or / and finger vein payment service server with a payment means of a registered customer;
    가맹점에서 상거래가 발생되어 상기 통신망에 연결된 가맹점 클라이언트의 제2 지문 또는/및 지정맥 인식기로부터 고객의 제2 지문 또는/및 지정맥 정보를 인식하고, 제2 지문 또는/및 지정맥 정보와 상거래 발생에 따른 결제 정보를 상기 지문 또는/및 지정맥 결제 서비스 서버로 전송하여 결제승인을 요청하는 단계와;A transaction is generated at the merchant to recognize the customer's second fingerprint and / or finger vein information from the second fingerprint and / or finger vein reader of the merchant client connected to the communication network, and the second fingerprint or / and finger vein information is generated. Requesting payment approval by transmitting the payment information according to the fingerprint or / and the finger vein payment service server;
    상기 지문 또는/및 지정맥 결제 서비스 서버가 상기 가맹점 클라이언트로부터 전송된 제2 지문 또는/및 지정맥 정보를 상기 데이터베이스에 등록된 제1 지문 또는/및 지정맥 정보와 비교, 분석하여 고객 인증을 판별하는 단계와;The fingerprint or / and finger vein payment service server compares and analyzes the second fingerprint or / and finger vein information transmitted from the affiliated store client with the first fingerprint or / and finger vein information registered in the database to determine a customer authentication. Making a step;
    판별 결과, 제1 및 제2 지문 또는/및 지정맥 정보가 일치하면, 상기 지문 또는/및 지정맥 결제 서비스서버가 제1 지문 또는/및 지정맥 정보에 매칭된 고객의 결제 수단으로 결제가 이루어지도록 상기 신용카드사 서버로 결제 승인을 요청하는 단계를 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법.As a result of the determination, when the first and second fingerprints and / or finger vein information match, the fingerprint or / and finger vein payment service server makes a payment to a customer's payment means matching the first fingerprint and / or finger vein information. And requesting a payment authorization from the credit card company server.
  6. 제 5 항에 있어서,The method of claim 5,
    상기 전자 결제 시스템은; 신용카드사 서버가 결제 요청된 제1 지문 및 지정맥 정보에 대응하는 고객의 결제 수단을 통해 결제가 승인되면, 상기 가맹점 클라이언트와 상기 지문 및 지정맥 결제 서비스 서버로 결제가 승인되었음을 알려주는 단계를 더 포함하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리방법.The electronic payment system; If the credit card company server payment is approved through the customer's payment means corresponding to the first fingerprint and finger vein information requested for payment, the step of notifying the merchant client and the fingerprint and finger vein payment service server further informs that the payment is approved. Method of processing an electronic payment system using a fingerprint or / and finger vein recognition, characterized in that it comprises.
  7. 제 5 항 또는 제 6 항에 있어서, 상기 고객 인증을 판별하는 단계는 남자정보는 "1", 여자정보는 "2"로 구분하여 등록하는 남녀식별처리부에 의한 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리방법.[7] The fingerprint or / and designation of claim 5 or 6, wherein the determining of the customer authentication is performed by a gender identification processing unit that registers male information as "1" and female information as "2". Processing method of electronic payment system using Mac recognition.
  8. 제 5 항 또는 제 6 항에 있어서, 상기 지문 또는/및 지정맥 결제 앱 대신에 지문 또는/및 지정맥 결제 하이브리드 웹인 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리방법.The method of claim 5 or 6, wherein the fingerprint or / and finger vein payment hybrid web instead of the fingerprint or / and finger vein payment app.
  9. 제 5 항 또는 제 6 항에 있어서,The method according to claim 5 or 6,
    상기 고객 클라이언트의 상기 제1 지문 또는/및 지정맥 인식기 및 상기 가맹점 클라이언트의 상기 제2 지문 또는/및 지정맥 인식기 각각을 통해 획득된 상기 제1 지문 및 지정맥 정보와 제2 지문 및 지정맥 정보를 상기 통신망을 통해 상기 지문 및 지정맥 결제 서비스 서버로 제공하는 것은; The first fingerprint and finger vein information and the second fingerprint and finger vein information obtained through the first fingerprint and / or finger vein recognizer of the client client and the second fingerprint and / or finger vein recognizer of the merchant client, respectively. Providing to the fingerprint and finger vein payment service server through the communication network;
    고객의 손가락의 혈류 흐름의 온도를 더 감지하여 이상이 없을 때, 획득된 상기 제1 지문 및 지정맥 정보와 제2 지문 및 지정맥 정보를 상기 지문 및 지정맥 결제 서비스 서버로 제공하는 것을 특징으로 하는 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법.And further detecting the temperature of the blood flow of the customer's finger to provide the first fingerprint and finger vein information and the second fingerprint and finger vein information to the fingerprint and finger vein payment service server. Method of processing an electronic payment system using a fingerprint or / and finger vein recognition.
PCT/KR2017/003668 2016-04-15 2017-04-04 Electronic payment system using fingerprint and/or finger vein recognition and method for processing same WO2017179847A1 (en)

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KR1020160046135A KR101721896B1 (en) 2016-04-15 2016-04-15 Electronic payment system using finger vein recognition and method for processing thereof
KR10-2016-0046135 2016-04-15
KR1020160138203A KR101792011B1 (en) 2016-10-24 2016-10-24 Multifaceted photographing apparatus checking finger vein and fingerprint at the same time
KR10-2016-0138203 2016-10-24
KR1020170012306A KR101810908B1 (en) 2017-01-25 2017-01-25 Electronic payment system using finger vein recognition and method for processing thereof
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