WO2018080137A1 - Procédé de traitement d'un système de paiement financier électronique, à l'aide d'une reconnaissance d'empreinte digitale et/ou de veine de doigt triée en fonction du sexe et de la génération pour chaque banque - Google Patents

Procédé de traitement d'un système de paiement financier électronique, à l'aide d'une reconnaissance d'empreinte digitale et/ou de veine de doigt triée en fonction du sexe et de la génération pour chaque banque Download PDF

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Publication number
WO2018080137A1
WO2018080137A1 PCT/KR2017/011773 KR2017011773W WO2018080137A1 WO 2018080137 A1 WO2018080137 A1 WO 2018080137A1 KR 2017011773 W KR2017011773 W KR 2017011773W WO 2018080137 A1 WO2018080137 A1 WO 2018080137A1
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WO
WIPO (PCT)
Prior art keywords
fingerprint
finger vein
information
payment
client
Prior art date
Application number
PCT/KR2017/011773
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English (en)
Korean (ko)
Inventor
최성호
송청자
박대진
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 KR1020160138202A external-priority patent/KR101808733B1/ko
Priority claimed from KR1020160148065A external-priority patent/KR101806273B1/ko
Priority claimed from KR1020170024032A external-priority patent/KR101792022B1/ko
Priority claimed from KR1020170024033A external-priority patent/KR101792023B1/ko
Application filed by 주식회사 올아이티탑 filed Critical 주식회사 올아이티탑
Publication of WO2018080137A1 publication Critical patent/WO2018080137A1/fr

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    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • 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
    • 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
    • G06Q20/38—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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a method for processing an electronic financial settlement system using fingerprints and / or finger vein recognition that distinguishes male and female households by banks, and more specifically registers men and women by generation to reduce false recognition probability. Or / and a method of processing an electronic financial settlement system for replacing a credit card settlement method using finger vein recognition.
  • 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.
  • 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.
  • 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.
  • the present invention provides an electronic financial settlement system and method for discriminating and registering a male and a female as well as a male and a female.
  • 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 the fingerprint and finger vein recognition.
  • the electronic payment system using the fingerprint and finger vein recognition of the present invention is characterized in that it replaces credit card payment through a mobile application.
  • Such an electronic payment system using fingerprint and finger vein recognition can provide security and convenience when making electronic payments such as credit cards.
  • a method of processing an electronic financial settlement system using fingerprints and / or finger vein recognition distinguishing male and female generations for each bank of the present invention according to this aspect: a fingerprint for a fingerprint or / and a finger vein payment service server of the electronic financial settlement system Or / and providing a finger vein payment app, wherein a client client accesses the fingerprint or / and finger vein payment service server through a communication network, and downloads the fingerprint or / and finger vein payment app and installs it therein; 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; Activating the fingerprint or / and finger vein payment app installed by the client client and separately registering a bank; The client receives the information inputted as "1" by the client and "2" by the female, and
  • / or finger vein information and banking information man enters "1", woman enters "2" and household unit identification information, second fingerprint or / and finger vein information and bank information, man enters "1" ",
  • the woman transmits the information input as" 2 "and generation unit identification information and payment information according to the occurrence of commerce to the fingerprint or / finger vein payment service server to request payment approval; and the fingerprint or / and appointed
  • the payment service server inputs the second fingerprint and / or finger vein information transmitted from the affiliate client to the first fingerprint and / or finger vein information and bank information registered in the database as “1” for male and “2” for female.
  • Module U1 consists of fingerprint module U2, finger vein module U3, and conversion module U4.
  • GND line 1 of the fingerprint module U2 is a negative voltage circuit and RX number 2 Line is serial data receiving port, TX 3 Phosphorus is the serial data transmission port, and VCC line 4 is the positive voltage reference of the power circuit.They scan the fingerprints from the image sensor and compare them with the pre-stored images.
  • the authentication code is output through 232 communication, the GND line 1 of the finger vein module U3 is the reference of the negative voltage, the A line 2 is the serial communication standard RS485 communication A port, and the B line 3 is the serial port.
  • VCC line 4 is the positive voltage reference of the power supply circuit
  • GND line 1 on the left side of the conversion module U4 is the negative voltage reference
  • line A 2 is the serial Communication standard RS485 communication A port
  • line 3 B is serial communication standard RS485 communication B port
  • VCC line 4 is based on positive voltage
  • DI line 5 of this port is serial 232 communication port and RE 6
  • the line is a 485 communication control port
  • the DE line 7 is a 485 communication control port
  • the RO 8 line is a serial 232 communication transmission port, which is interlocked with the integrated module U1 and is output from the fingerprint module U2.
  • the corresponding authentication code is output to the USB. It is a processing method of an electronic financial settlement system using fingerprints and / or finger vein recognition that distinguishes male and female generations for each bank.
  • the D1 / TX line 1 of the integrated module U1 is a serial 232 communication transmission port
  • the D0 / RX line 2 is a serial 232 communication receiving port
  • the GND line 4 is negative (-).
  • Voltage standard line 5 of D2 is a serial 232 communication line for fingerprint module (U2)
  • line 6 of D3 is a serial 232 communication line of fingerprint module (U2)
  • line 8 of 485-232 communication module of D8 is a D8 line.
  • D9 line 12 is 485 communication control port of 485-232 communication conversion module (U4)
  • D10 line 13 is 485 communication control port of 485-232 communication conversion module (U4)
  • D11 line 14 is serial 232 communication receiving port of 485-232 communication conversion module (U4)
  • 5V line 27 is positive voltage 5V output PIN.
  • GND line 29 is the reference of negative voltage
  • VIN line 30 is the positive voltage reference
  • these configurations are the fingerprint authentication output from fingerprint module U2.
  • the finger vein authentication code output from the finger vein module (U3) is converted to 232 communication in the conversion module (U4) and received by the integrated module (U1). It is a processing method of an electronic financial settlement system using fingerprints and / or finger vein recognition distinguishing male and female generations for each bank characterized by outputting an authentication code.
  • the fingerprint or / and finger vein payment service server is the first fingerprint or / and finger vein information and bank information provided from the customer client, the male is input as “1", the female is "2" Store and register the information and household unit division information in a database, and input the first fingerprint or / and finger vein information and bank information, “1” for a man and “2” for a woman and generation unit division information through the communication network.
  • the payment service server is the first fingerprint or / and finger vein information and bank information, the male is "1", the female is "2" input information and household unit identification information matched to the payment means to be made to the payment is made Requesting a payment authorization from a credit card company server;
  • the credit card company server through the payment means of the customer corresponding to the first fingerprint or / and finger vein information and bank information, the "1" for the male, the "2” for the female and the generation
  • the information inputted by the man "1", the woman "2" and generation unit information is downloaded from the electronic payment system to register the fingerprint or / and finger vein
  • the first and second fingerprint or / and obtained through the first fingerprint or / and finger vein recognizer of the client client and the second fingerprint or / and finger vein recognizer of the merchant client respectively Providing finger vein information to the fingerprint or / and finger vein payment service server through the communication network;
  • the bank characterized in that the first and second fingerprint or / and finger vein information obtained by detecting the temperature or blood flow of the customer's finger further provides to the fingerprint or / and finger vein payment service server It is a method of processing an electronic financial settlement system using fingerprints and / or finger vein recognition.
  • the electronic payment system using the fingerprint and finger vein recognition of the present invention by providing an electronic payment service using finger vein authentication to replace credit card payment through a mobile application, such as credit card replacement electronic payment Can provide security and convenience.
  • the present invention separately registers the male and the female in order to reduce the probability of misrecognition, and discriminates them by halving the number of judgment cases by half than the effect of the patent application invented by the present inventors. It works.
  • the information inputted as "1" by the male and “2" by the female is downloaded as an application from the electronic payment system, and the fingerprint or / and finger vein is optional when registering.
  • the fingerprint or / and finger vein is optional when registering.
  • the electronic payment system using the fingerprint and finger vein recognition of the present invention has a finger vein reader that can be detached to the client client and the merchant client to register or authenticate the finger vein information, the user authentication according to the electronic payment at a low cost This is possible.
  • the effect of the system management sub-capacity and the speed can be shown several times more than the general trading system.
  • the electronic payment system using the fingerprint 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.
  • 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 illustrating an external electronic configuration example of the authentication apparatus 1200 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 flowchart illustrating a processing procedure of another electronic payment system according to the present invention.
  • FIG. 9 is an example internal electronic configuration of the fingerprint or / and finger vein photography authentication device 1200 according to another embodiment of the present invention
  • FIG 10 is an organization system diagram of banks according to the present invention.
  • FIG. 11 is an organization system diagram for dividing men and women according to the present invention
  • FIG. 12 is a view showing an external electronic configuration example of the authentication device 200a as another embodiment of the present invention.
  • 13 to 15 are flowcharts for registering, authenticating, and deleting fingerprints and finger veins
  • Figure 16 is an input / output integrated module for interlocking the fingerprint and finger vein algorithm
  • fingerprint or / and finger vein recognizer 300 credit card company server
  • integrated shooting authentication device 1201 object receiving unit
  • Visible light source 1250 Scan panel
  • 1250a fingerprint finger contact 1250b: finger vein non-contact
  • 1260a infrared side emitting unit 1260: infrared side emitting unit case
  • 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, 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. 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 acquires the fingerprint or / and the finger vein information from the scanner 214
  • 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.
  • the database 120 of this embodiment includes customer information 122 that distinguishes between sexes, fingerprint or / and finger vein information 124, credit card matching information 126, payment information 128, and merchant information 130. Save).
  • the male and female customer information is preferably registered by dividing the male as "1" and the female as "2".
  • Such customer information is registered in the customer client 200 or the merchant client 400, and if the procedure to determine this, it is possible to reduce the probability of erroneous recognition of the present invention.
  • 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, gender, authenticated mobile phone number Includes contacts, passwords, email addresses, etc ..
  • 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. .
  • the male is classified as "1" and the female is "2".
  • 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 gender information and fingerprint and / or 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 gender information and the fingerprint or / and finger vein information to the credit card company server 300 through the communication network (10).
  • step S157 the male and female customer information is divided into the registered male information " 1 " and the female information " 2 " to determine the corresponding information.
  • 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 S159 the male and female customer information is divided into registered male information " 1 " and female information " 2 " to determine the corresponding 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.
  • the database 120 includes customer information 122 for distinguishing between sexes, fingerprint or / and finger vein information 124, credit card matching information 126, payment information 128, and merchant information 130. ), And the male and female customer information is registered 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 information inputted as "1" for men and women "2" as information for distinguishing between men and women of the present invention may be made as an option at the time of registering the fingerprint or / and finger vein by downloading the application from the electronic payment system. .
  • 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 1200 capable of capturing fingerprints and fingerprints and / or finger veins, wherein the object accommodating part 1201 includes a scan panel upper case 1201a for forming a finger seat up and down and a scan panel accommodating the entire length thereof.
  • the lower case 1201b, and the upper part of the scan panel upper case 1201a is provided with a scan panel 1250 for capturing the fingerprint and / or finger vein at the same time, the fingerprint made of a transparent material such as glass or acrylic,
  • the scan panel 1250 is formed with the fingerprint finger contact portion 1250a and the fingerprint or / and finger vein non-contact portion 1250b forming 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 1270 for sensing the temperature of the blood flow of the finger is formed in front of the fingerprint or / and non-fingerprint finger contact 1250b opposite the fingerprint finger contact 1250a of the scan panel 1250, When the finger lands, it detects the temperature of the blood flow of the finger and is formed to enable its operation by the sensed 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 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 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 1200 of the present invention is an infrared light source unit 1240, finger vein image sensor 1230, finger fingerprint image sensor 1220, digital conversion unit 1290, decoding algorithm unit 1260, male female identification processor 1265, 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 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 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 make the edges thin (sketch line), and apply the Double Threshold to classify dark edges as solid edges and faint edges as noises. .
  • it deletes the weak edges, leaves only the obvious edges, and finally prints the edged image of the finger vein.
  • information inputted as "1" by a man and "2" by a woman as information for distinguishing between men and women is obtained by downloading an application from the electronic payment system.
  • / and the finger vein may be optional at the time of registration, and the method of distinguishing the male and female or the fingerprint or / and the finger vein recognition may be performed within the mobile itself, so that the consumer owns the mobile, and thus may be easily registered. Since it can be used to authenticate, it will be able to fundamentally block the imitation or theft of others.
  • the authentication device of the present invention dramatically reduced the false recognition rate by, for example, by using the fingerprint image and finger vein data of the finger at the same time.
  • the error probability is reduced to 1/2, and the data storing the information thereof. If the base is also stored separately, the simplicity of capacity and the speed of speed will double.
  • FIG. 8 is a flowchart illustrating a processing procedure of another electronic payment system according to the present invention
  • FIG. 9 is an internal electronic diagram of the fingerprint or / and finger vein photographing authentication device 1200 according to another preferred embodiment of the present invention.
  • FIG. 10 is an organizational system diagram of banks according to the present invention
  • FIG. 11 is an organizational system diagram of men and women generations according to the present invention.
  • the database 120 of FIG. 3 described above 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.
  • the database 120 of this embodiment includes customer information 122 that distinguishes men and women and generations (eg, teenagers, 20s, etc.), fingerprint or / and finger vein information 124, and bank classification information. And credit card matching information 126, payment information 128, and merchant information 130.
  • the male and female customer information is preferably registered by dividing the male as "1" and the female as "2".
  • the household classification information may be divided into teenagers, 20s, and the like, and the household classification may be automatically managed by registering a resident registration number.
  • Such customer information is registered in the customer client 200 or the merchant client 400, if the procedure to determine this, can reduce the probability of misrecognition of the present invention by several orders of magnitude.
  • 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, gender, social security number, authenticated Includes mobile phone numbers such as 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 S152a the banks are separately registered, and as shown in FIG. 10, the banks are registered in the first financial bank 1301, the second financial bank 1302, the credit card 1303, the securities firm 1304, the insurance company 1305, The e-commerce (1306) is divided, and when registering to register your own bank will be registered.
  • the male is classified as "1" and the female is "2".
  • step S153a whether the client is a man or a woman is classified and registered according to age.
  • 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 bank information and gender, generational information, and 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 gender information and the fingerprint or / and finger vein information to the credit card company server 300 through the communication network (10).
  • step S157 the bank information and the male and female customer information are classified into registered male information " 1 " and female information " 2 " to determine the corresponding information, and then the corresponding information is determined by generation.
  • 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 S159 When the transaction occurs in the affiliated store in step S159, the bank information and the male and female customer information are classified into registered male information " 1 " and female information " 2 " to determine the corresponding information, and then the corresponding information is determined by generation.
  • step S160 Recognizing the fingerprint or / and finger vein information of the customer from the fingerprint or / and finger vein recognizer 410 of the merchant client 400 in step S160, fingerprint or / and finger vein information and payment information in step S162 And it sends to the finger vein payment service server 100 requests a 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.
  • the database 120 includes customer information 122 for distinguishing between sexes and generations, fingerprint or / and finger vein information 124, bank identification information and credit card matching information 126, and payment information 128.
  • customer information 122 for distinguishing between sexes and generations, fingerprint or / and finger vein information 124, bank identification information and credit card matching information 126, and payment information 128.
  • merchant information 130 and in particular, the male and female customer information is registered at the time of registration, the male is divided into "1", the female is "2", such bank information or customer information is the customer client 200 or If registered in the merchant client 400, and the procedure to determine this, the probability of misrecognition of the present invention can be reduced by several tens of times.
  • FIG. 9 illustrates an example internal electronic configuration of the fingerprint or / and finger vein imaging apparatus 1200 according to an exemplary embodiment of the present invention.
  • Integrated photographing authentication device 1200 of the present invention is an infrared light source unit 1240, finger vein image sensor 1230, finger fingerprint image sensor 1220, digital conversion unit 1290, decoding algorithm unit 1260, bank classification register unit 1265a, male and female identification processing unit 1265, generation unit classification register 1265b, biometric information 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.
  • 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 bank division registration unit 1265a uses the bank classification table 1300 as the first financial bank 1301, the second financial bank 1302, the credit card 1303, a securities company 1304, and an insurance company. (1305) and e-commerce (1306), and when registering, your own bank will be selected to register.
  • 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 household unit classification registration unit 1265b divides the gender generation division table 1400 into a man 1401 and a woman 1402, and registers each of the households by dividing the unit by 10 years. will be.
  • 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 make the edges thin (sketch line), and apply the Double Threshold to classify dark edges as solid edges and faint edges as noises. .
  • it deletes the weak edges, leaves only the obvious edges, and finally prints the edged image of the finger vein.
  • a method of processing an electronic payment system using fingerprints and / or finger vein recognition information inputted as “1” for a man and “2” for a man and a woman is downloaded from an electronic payment system.
  • / and the finger vein may be optional at the time of registration, and the method of distinguishing the male and female or the fingerprint or / and the finger vein recognition may be performed within the mobile itself, so that the consumer owns the mobile, and thus may be easily registered. Since it can be used to authenticate, it will be able to fundamentally block the imitation or theft of others.
  • the authentication device of the present invention dramatically reduced the false recognition rate by, for example, by using the fingerprint image and finger vein data of the finger at the same time.
  • FIG. 12 is a view showing an external electronic configuration example of the authentication device 200a as another embodiment of the present invention
  • FIGS. 13 to 15 are flowcharts for requesting to register, authenticate, and delete a fingerprint and a finger vein
  • FIG. I / O integrated module that interlocks the algorithm of the finger vein.
  • FIG. 12 is another embodiment of the present invention, which is largely the same as the embodiment shown in FIG. 5.
  • three image sensors 1220, 1230, and 1231 are included in the integrated photographing authentication device 1200.
  • the fingerprint recognition module 250aa is formed in place of the double finger fingerprint image sensor 1220 to provide a method of determining a fingerprint by contact of the 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 apparatus 200 capable of capturing a fingerprint and a finger vein, and an object accommodating part 201 forms an upper and a lower finger seating part. And a scan panel lower case 201b for accommodating the full length thereof, and a scan panel 250 simultaneously photographing a fingerprint and finger vein on the upper part of the scan panel upper case 201a made of a transparent material such as glass or acrylic.
  • the scan panel 250 is formed while the fingerprint finger contact portion 250a and the finger vein 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. In this case, by sensing the temperature of the finger and the flow of blood flow is formed to recognize the finger vein 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 apparatus 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.
  • the 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 and 241 performs a finger object. Irradiate the infrared toward.
  • image sensors are to photograph the fingerprint and finger vein of the irradiated finger, respectively.
  • the integrated photographing authentication apparatus 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.
  • the following describes the procedures for registering, authenticating, and deleting fingerprints and finger veins in the reader or bank.
  • the fingerprint and finger vein recognizer makes a registration request (S311).
  • the fingerprint and the finger vein are first scanned by the finger of the person to be registered (S312).
  • the fingerprint and the finger vein are secondly scanned by the finger of the person to be registered (S313).
  • the fingerprint and the finger vein are subjected to the third scan with the finger of the person to be registered (S314).
  • Such registration of the fingerprint and finger vein in the third time determines whether all three scanned images match to measure their accuracy (S315).
  • This process is performed three times to register the correct fingerprint and image of the finger vein.
  • an authentication request is made at the fingerprint and the finger vein recognizer (S321).
  • the fingerprint and finger vein recognizer scans the image of the fingerprint and the finger vein (S322).
  • the fingerprint and finger vein is compared with the image of the fingerprint and the finger vein in the reader of the fingerprint and finger vein (S323).
  • the deletion request is made in the fingerprint and the finger vein recognizer (S331).
  • the recognition of the fingerprint and finger vein is further increased, and the operation thereof is simplified.
  • FIG. 16 is a diagram illustrating an input / output integrated module for interlocking a fingerprint and a finger vein algorithm.
  • the input / output integrated module U1 for simultaneously interlocking the fingerprint and the finger vein algorithm includes a fingerprint module U2, the finger vein module U3, and a conversion module U4.
  • the GND line 1 of the fingerprint module U2 serves as a reference for the (-) voltage circuit, and has a 0V grounding function
  • the RX line 2 serves as a serial data receiving port and controls the fingerprint module.
  • the line is a serial data transmission port and reads the fingerprint module status.
  • the VCC line 4 functions as a + 5V voltage input based on the (+) voltage of the power supply circuit.
  • 232 communication refers to serial communication standard.
  • the GND line 1 of the finger vein module U3 serves as a reference for the (-) voltage, and functions as a 0V grounding
  • the A line 2 is a serial communication standard RS485 communication A port, and performs data reception and transmission function.
  • Line 3 is the serial communication standard RS485 communication port B, and it functions to receive and transmit data.
  • Line VCC 4 is the + 5V voltage input function based on the positive voltage of the power supply circuit. Infrared LED penetrates the finger and scans the vein from the camera image sensor and compares it with the pre-stored vein image. If there is a person with the same image, the serial authentication code of the person is registered. Will print
  • 485 communication refers to serial communication standard.
  • the GND line 1 on the left side of the conversion module U4 serves as a reference for the (-) voltage, and functions as a 0V ground
  • the A line 2 is a serial communication standard RS485 communication A port, and performs data reception and transmission function.
  • Line 3 is the serial communication standard RS485 communication B port, and functions to receive and transmit data
  • VCC line 4 functions as a + 5V voltage input based on the positive voltage. It receives 485 communication output from and converts it to 232 communication and outputs it.
  • the DI line 5 on the right side of the conversion module U4 is a serial 232 communication receiving port, and functions to receive data
  • the RE 6 line is a 485 communication control port, which controls the transmission / reception status of the 485 communication module.
  • DE 7 line is a 485 communication control port, and controls the transmission and reception status of the 485 communication module
  • RO 8 line is a serial 232 communication transmission port, the function to transmit a command, It will work with the integrated module (U1).
  • the D1 / TX line 1 of the integrated module U1 is a serial 232 communication transmission port, and functions to transmit data to a computer.
  • the D0 / RX line 2 is a serial 232 communication reception port, and functions to receive data from a computer.
  • GND line 4 is a reference of (-) voltage and 0V ground function
  • D2 line 5 is a fingerprint module (U2) serial 232 communication transmission line, and transmits commands to the fingerprint module.
  • Line 1 is a fingerprint module (U2) serial 232 communication receiving line, and functions to receive status value of the fingerprint module.
  • Line D8 11 is a serial 232 communication sending port of the 485-232 communication conversion module (U4).
  • Line 9 of D9 is a 485 communication control port of 485-232 communication conversion module (U4), and it controls the transmission / reception status of 485 communication module. Is the 485 communication control port of the 485-232 communication conversion module (U4).
  • the D11 line 14 is a serial 232 communication receiving port of 485-232 communication conversion module (U4) and reads the status of the designated vein module (U3).
  • Line # 5 is a positive voltage 5V output PIN, which supplies the 5V voltage of fingerprint module U2, finger vein module U3, and 485 communication conversion module U4.
  • VIN 30 is a (+) voltage reference, + 5V voltage input function
  • the above configuration is the fingerprint authentication code (fingerprint) output from the fingerprint module (U2) The registered customer's unique number) and the finger vein authentication code (lower vein registered customer's unique number) that is output from the finger vein module (U3) by converting from the conversion module (U4) to 232 communication integrated module (U1) If the fingerprint and finger vein authentication code match each other, the corresponding authentication code is output to USB.
  • the fingerprint and finger vein algorithm of this event invention can be expressed as follows.
  • the algorithm receives the fingerprint authentication code and the finger vein authentication code from the integrated module (U1) is an algorithm that allows the authentication code only if the fingerprint and the low vein of the same person.
  • the fingerprint module U2 searches for a fingerprint and outputs the code number of the person when there is a person who matches the fingerprint.
  • the fingerprint code of the fingerprint module U2 and the finger vein code of the finger vein module U3 are input to the fingerprint code and the fingerveincode which are arguments of the function name getfingerauthorization of the above algorithm, so that both argument values are valid and two registrations are valid. Only when the customer's unique number matches, the fingerprint and finger vein integration module will output the person's code.
  • the authentication device of the present invention dramatically reduced the false recognition rate by, for example, by using the fingerprint image and finger vein data of the finger at the same time.
  • the error probability is reduced to 1/2, and the data storing the information thereof. If the base is also stored separately, the simplicity of capacity and the speed of speed will double.

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Abstract

La présente invention comprend les étapes suivantes: la fourniture, à un serveur de service de paiement par empreinte digitale et/ou par veine de doigt d'un système de paiement électronique, d'une application de paiement utilisant une empreinte digitale et/ou une veine de doigt, permettant à un client d'accéder au serveur de service de paiement avec empreinte digitale et/ou veine de doigt par l'intermédiaire d'un réseau de communication, ainsi que le téléchargement et l'installation de l'application de paiement avec empreinte digitale et/ou veine de doigt à l'intérieur de celui-ci; le fait de permettre au client d'acquérir des premières informations d'empreinte digitale et/ou de veine de doigt d'un client par l'intermédiaire d'un premier dispositif de reconnaissance d'empreinte digitale et/ou de veine de doigt, et la fourniture des premières informations d'empreinte digitale et/ou de veine de doigt acquises au serveur de service de paiement de veine de doigt et/ou d'empreinte digitale par l'intermédiaire du réseau de communication; le fait de permettre au client d'activer l'application installée de paiement utilisant une empreinte digitale et/ou une veine de doigt, et le tri et l'enregistrement des banques; le tri par le client de façon à acquérir des informations entrées en tant que "1" pour homme et "2" pour femme, et la fourniture des informations acquises pour homme "1" et pour femme "2" au serveur de service de paiement de veine de doigt et/ou l'empreinte digitale par l'intermédiaire du réseau de communication; et le tri du sexe par unité de génération et son enregistrement.
PCT/KR2017/011773 2016-10-24 2017-10-24 Procédé de traitement d'un système de paiement financier électronique, à l'aide d'une reconnaissance d'empreinte digitale et/ou de veine de doigt triée en fonction du sexe et de la génération pour chaque banque WO2018080137A1 (fr)

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
KR10-2016-0138202 2016-10-24
KR1020160138202A KR101808733B1 (ko) 2016-10-24 2016-10-24 남녀 식별구분하여 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템의 처리 방법
KR10-2016-0148065 2016-11-08
KR1020160148065A KR101806273B1 (ko) 2016-11-08 2016-11-08 은행별 남녀 세대를 구분한 지문 또는/및 지정맥 인식을 이용한 전자 금융 결제 시스템의 처리방법
KR1020170024032A KR101792022B1 (ko) 2017-02-23 2017-02-23 남녀 식별구분하여 지문 또는/및 지정맥 인식을 이용한 전자 결제 시스템 및 그 방법
KR10-2017-0024033 2017-02-23
KR10-2017-0024032 2017-02-23
KR1020170024033A KR101792023B1 (ko) 2017-02-23 2017-02-23 은행별 남녀 세대를 구분한 지문 또는/및 지정맥 인식을 이용한 전자 금융 결제 시스템의 처리방법

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JP2004030334A (ja) * 2002-06-26 2004-01-29 Nec Soft Ltd バイオメトリクス認証サービス方法、システム及びプログラム
KR100744560B1 (ko) * 2005-12-07 2007-08-01 한국전자통신연구원 다중 생체인식 시스템을 위한 효율적인 데이터베이스를기록한 컴퓨터가 읽을 수 있는 기록매체와 이를 이용한등록 및 인증 방법
KR20150106864A (ko) * 2015-08-26 2015-09-22 송청자 지정맥과 지문을 동시에 스캐닝하여 사용자 인증을 처리하는 다중 안전 잠금 기능을 갖는 금융 거래 중계 시스템 및 그의 처리 방법
KR101616266B1 (ko) * 2015-01-13 2016-04-29 주식회사 뱅크볼 지정맥 인식을 이용한 전자 결제 시스템 및 그 방법
KR20160080457A (ko) * 2014-12-29 2016-07-08 주식회사 슈프리마 보안 구역 출입 인증 시스템 및 방법

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004030334A (ja) * 2002-06-26 2004-01-29 Nec Soft Ltd バイオメトリクス認証サービス方法、システム及びプログラム
KR100744560B1 (ko) * 2005-12-07 2007-08-01 한국전자통신연구원 다중 생체인식 시스템을 위한 효율적인 데이터베이스를기록한 컴퓨터가 읽을 수 있는 기록매체와 이를 이용한등록 및 인증 방법
KR20160080457A (ko) * 2014-12-29 2016-07-08 주식회사 슈프리마 보안 구역 출입 인증 시스템 및 방법
KR101616266B1 (ko) * 2015-01-13 2016-04-29 주식회사 뱅크볼 지정맥 인식을 이용한 전자 결제 시스템 및 그 방법
KR20150106864A (ko) * 2015-08-26 2015-09-22 송청자 지정맥과 지문을 동시에 스캐닝하여 사용자 인증을 처리하는 다중 안전 잠금 기능을 갖는 금융 거래 중계 시스템 및 그의 처리 방법

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