KR101667388B1 - System for relaying financial transaction with multiple safety function using finger vein and fingerprint to authenticate at the same time and method for processing thereof - Google Patents

Abstract

FIELD OF THE INVENTION The present invention relates to a financial transaction relay system having multiple security lock functions for simultaneously authenticating a fingerprint and a fingerprint, and a processing method thereof. The financial transaction relay system of the present invention includes a financial transaction relay server that relays a financial transaction between a customer terminal, an electronic financial transaction system, and electronic commerce systems through an unauthenticated connection. The financial transaction relay server includes a multiple security lock module and a middleware firewall for authenticating a user using fingerprint authentication, fingerprint authentication, password authentication, and telephone number authentication of a customer terminal. According to the present invention, when the customer terminal performs either the electronic financial transaction or the electronic commerce transaction, the fingerprint information and the fingerprint information are received from the customer terminal and authentication processing is performed. Thus, the electronic financial transaction system and the electronic commerce system can be accessed through the non- The authentication process of the fingerprint or the fingerprint of the fingerprint or the fingerprint of the fingerprint can be minimized.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a financial transaction relay system having multiple security lock functions for simultaneously scanning a fingerprint and a fingerprint to process user authentication, FOR PROCESSING THEREOF}

The present invention relates to a financial transaction relay system, and more particularly, it relates to a financial transaction relay system in which, in order to prevent a user authentication error due to a fingerprint and a fingerprint that can not be more specifically identified, The present invention relates to a financial transaction relay system having a plurality of security lock functions and a method for processing the same, which enables an unauthenticated connection for financial transactions, electronic commerce, and the like by processing firewall password authentication and financial management middleware authentication.

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

Currently, mobile devices use chips issued by banks to perform financial transactions such as banking and e-commerce transactions in place of credit cards. To this end, the mobile device has a built-in chip, which is used for payment at a convenience store and a store where a dedicated terminal is installed. However, there is a limitation in the cost that can be settled, and payment can not be performed in a place without a dedicated terminal. In addition, there is a problem in that a chip built in a mobile device is difficult to immediately process payment at the time of account transfer or general commercial transaction.

 Generally, an individual protects an individual's financial transactions with an authorized certificate and a password in order to prevent personal injury which may occur as leakage or theft of personal information or password in an electronic financial transaction with a bank, Since banks rely solely on security technology, banks are not able to prevent or protect the personal injury caused by personal mistakes.

In order to solve these problems, biometrics technology has been applied to electronic financial transactions such as e-commerce transactions, bank transactions, insurance transactions, and securities transactions due to credit card settlement at an online shopping mall. Biometric technology refers to technology that identifies or identifies an individual using biometric information. Until now, biometrics technology uses fingerprints, faces, irises or voices to identify personal identities.

The fingerprint recognition technology is small in recognition device and can be mass-produced at low cost. Also, it shows relatively good performance in terms of accuracy and speed of recognition. However, since the fingerprint is exposed outside the body, it may be easily stolen and may be deformed by sweat, which may affect the recognition performance, and there are problems in hygiene. In addition, the fingerprint has a problem that about 1/1000,000 users of the current user are recognized as the same or similar, resulting in an error in user authentication.

Iris recognition technology is the most reliable biometric technology in that recognition errors are unlikely and counterfeiting is difficult. However, most people are reluctant to shine directly in the eye 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 in identity recognition. However, it has a disadvantage in that it is less accurate than other technologies in terms of accuracy of recognition.

In order to overcome and overcome the disadvantages of the biometric techniques described above, finger vein recognition technology has been developed.

The finger vein recognition technology refers to a technique for identifying an individual using a finger vein pattern image acquired through infrared rays. Human veins are located in complex shapes directly beneath the skin. According to various studies, the pattern of the veins is different for each individual, and it is known that the pattern does not change with age. The fingerprint 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 state of the finger surface has no effect on the recognition. In addition, it is possible to construct a noncontact type device with high convenience for the user by using infrared rays. Since the finger pattern can be stably and relatively clearly searched, a camera having a low resolution can be used to obtain a small fingerprint image have. That is, fingerprint recognition technology can provide balanced performance in terms of security and convenience.

Due to these advantages, finger vein recognition technology is more difficult than fingerprint, iris, face and voice recognition technology for counterfeit modulation. Therefore, biometric authentication device with higher safety can be realized and miniaturization is possible. .

However, there is a problem in that the authentication of the user is mistaken because about 1/100 million of users are recognized as the same or similar at present. Therefore, a more accurate user authentication technique is required using fingerprints and fingerprints.

Korean Patent Publication No. 10-2014-0003274 (published January 09, 2014) Korean Patent Laid-Open Publication No. 10-2012-0125816 (public date November 19, 2012) Korean Patent Registration No. 10-0954776 (Published on April 28, 2010) Korean Patent Registration No. 10-1050301 (Published on July 19, 2011)

SUMMARY OF THE INVENTION An object of the present invention is to provide a financial transaction relay system and a processing method therefor which have multiple security lock functions for sequentially scanning a fingerprint and a fingerprint to sequentially process user authentication.

It is another object of the present invention to provide a financial transaction relay system and a processing method therefor which have multiple security lock functions using a middleware firewall.

It is still another object of the present invention to provide a financial transaction relay system having a multiple safety lock function using fingerprint authentication, fingerprint authentication and password authentication, and relaying the electronic transaction to enable unauthorized access and financial transactions in electronic commerce, And to provide a processing method.

In order to achieve the above objects, the financial transaction relay system of the present invention has a multiple security lock function using fingerprint authentication, fingerprint authentication and password authentication of a user using a mobile application, The user is authenticated using a fingerprint. Such a financial transaction relay system processes the user authentication using a fingerprint and a fingerprint, processes the firewall authentication using a password, and handles the electronic transaction, the unauthorized access in the electronic financial transaction, and the financial transaction relay.

According to another aspect of the present invention, there is provided a financial transaction relay system including: a communication network; A customer terminal connected to the communication network and including a fingerprint recognizer for recognizing fingerprint information of a customer and a finger vein reader for extracting finger vein information; Wherein the customer terminal is connected through the communication network, receives the fingerprint information and the fingerprint information from the customer terminal and registers the fingerprint information as a member, and when the customer terminal performs either an electronic financial transaction or an electronic commerce transaction, The fingerprint information is received from the terminal and the fingerprint information is firstly used to process user authentication using the fingerprint information, and if the fingerprint information is not identifiable from the fingerprint information, And receives the user authentication processing signal from the user terminal to process the authentication of the middleware firewall. Thus, an electronic financial transaction system for electronic financial transactions or an electronic commerce system for electronic commerce To finance And a financial transaction relay server for performing a relay process so as to perform the transaction.

In one embodiment of this aspect, the financial transaction relay server comprises: Wherein the control unit receives the finger vein information and the fingerprint information from the customer terminal and sequentially compares the registered finger vein information with the fingerprint information to determine whether the fingerprint information matches the fingerprint information. And a password processing unit for registering a password of the customer terminal and authenticating the user terminal using a password; The fingerprint information of the customer terminal is compared with the previously registered fingerprint information, and when the fingerprint information or the fingerprint information coincides with the password, the electronic finger transaction system and the electronic commerce And a middleware approval processing unit for approving the transaction to relay financial transactions and electronic commerce.

In another embodiment, the finger vein recognizer comprises: A scanner for acquiring finger vein information by scanning a finger of a customer; Extracting a finger vein pattern from the finger vein information acquired from the scanner and storing the vein pattern, extracting a finger vein pattern from the acquired vein pattern information, and determining whether the extracted finger vein pattern coincides with a customer's finger vein pattern A memory for storing an extraction program; A finger vein image display unit displaying finger vein information scanned from the scanner or displaying a process of the finger vein recognizer; An interface module connected to the customer terminal and providing finger vein information obtained from the scanner to the customer terminal; And a controller for controlling all operations of the finger vein recognizer.

According to another aspect of the present invention, there is provided a processing method of a financial transaction relay system having multiple security lock functions using a fingerprint and fingerprint and password authentication.

A financial transaction relay system and a processing method thereof having multiple security lock functions for simultaneously scanning a finger vein and a fingerprint according to this feature to process user authentication are provided. Acquiring fingerprint information and finger vein information at the same time from both the fingerprint recognizer and the finger vein recognizer, and transmitting the fingerprint information and the finger vein information through the communication network to the financial transaction relay server Transmitting and registering the data to the financial transaction relay server; When the customer terminal accesses the financial transaction relay server to perform electronic financial transaction and electronic commerce, the financial transaction relay server receives the fingerprint information and the fingerprint information from the customer terminal, Comparing the finger vein information with registered finger vein information to determine whether the transmitted finger vein information is unique; Comparing the transmitted fingerprint information with the registered fingerprint information to determine if the transmitted fingerprint information is unique; If it is determined that the transmitted fingerprint information is unique, the step of receiving the user authentication processing signal from the client terminal and processing the firewall password authentication may be performed.

In one embodiment of this aspect, the method further comprises: If the password transmitted in processing the firewall passwort authentication matches the password registered in the financial transaction relay server, the firewall is released and the electronic money transaction system and the electronic commerce system are accessed through the financial transaction relay server without authentication And relaying the financial transaction.

As described above, the financial transaction relay system of the present invention first authenticates a user using a fingerprint authentication method and, when a user authentication error occurs, authenticates the user using a second fingerprint, The user authentication error can be minimized even when the user identification is difficult.

In addition, the financial transaction relay system of the present invention provides multiple security lock functions using electronic financial transactions, fingerprints at the time of electronic commerce, and a fingerprint, and receives fingerprint information, fingerprint information, and a password for firewall authentication from the customer terminal and performs authentication processing , The electronic financial transaction system and the electronic commerce system can be made possible by the unauthorized access to the financial transaction.

In addition, the financial transaction relay system of the present invention registers a fingerprint information, a password, and fingerprint information of a customer terminal in a single membership, thereby providing a safety lock function according to a financial transaction and inconvenience of issuing a public certificate troublesomely Which can provide economic convenience of new changes in financial transactions.

In addition, the financial transaction relay system of the present invention is suitable for the ubiquitous era where financial transaction can be used anytime and anywhere by merging with the IT technology since the electronic financial transaction system and the electronic commerce system can be financed through unauthorized access.

In addition, the financial transaction relay system of the present invention is capable of not only releasing from the hacking by building a middleware firewall but also introducing a new horizon in the era of digital pin-tec revolution in which the external and internal patterns of the fingerprint and the finger vein are simultaneously used according to the movement route of the finger It provides a biometric authentication security management system with multiple security lock functions, so that it can implement specialized technology that can be retained and provided only by the present applicant, which can not be imitated anywhere in the world.

In addition, the financial transaction relay system of the present invention provides multiple security lock functions by using fingerprints and fingerprints, so that if the customer can not use them without him or himself, It is impossible to utilize finger vein patterns even when a finger of a dead person is used for the authentication of the dead person.

1 is a block diagram illustrating a configuration of a financial transaction relay system having multiple security lock functions using fingerprint authentication according to the present invention;
FIG. 2 is a block diagram showing a configuration of a financial transaction relay server shown in FIG. 1; FIG.
FIG. 3 is a block diagram showing a configuration of a part of the customer terminal shown in FIG. 1; FIG.
4 is a flowchart illustrating a processing procedure of a financial transaction relay system having multiple security lock functions using finger vein authentication according to an embodiment of the present invention; And
5 is a flowchart illustrating a processing procedure of a financial transaction relay system having multiple security lock functions for simultaneously scanning finger vein and fingerprint according to another embodiment of the present invention to process user authentication.

The embodiments of the present invention can be modified into various forms and the scope of the present invention should not be interpreted as being limited by the embodiments described below. The present embodiments are provided to enable those skilled in the art to more fully understand the present invention. Therefore, the shapes and the like of the components in the drawings are exaggerated in order to emphasize a clearer explanation.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a block diagram illustrating a configuration of a financial transaction relay system having multiple security lock functions using fingerprint authentication according to the present invention. FIG. 2 is a block diagram illustrating a configuration of a financial transaction relay server shown in FIG. And FIG. 3 is a block diagram showing a configuration of a part of the customer terminal shown in FIG.

First, the present invention relates to a financial transaction relay system having multiple security lock functions and a processing method thereof, which is disclosed in Korean Patent Application No. 10-2014-0124035 filed on September 18, 2014 by the present applicant, Of Patent Application No. 10-2015-0004590, filed on January 13, 2015, entitled " Financial Transaction Relay System Having Multiple Safety Lock Functions Using Finger Authentication " will be.

1 to 3, the financial transaction relay system 2 according to the present invention can be implemented by using a plurality of safety lock functions including fingerprint authentication, fingerprint authentication, password authentication, and / ) And the electronic financial transaction system 300 for the electronic commerce, and the electronic commerce system 400 for the electronic financial transaction and the electronic commerce by the unauthorized access method.

To this end, the financial transaction relay system 2 of the present invention uses the middleware firewall 120 to access the financial transaction relay server 100 through fingerprint authentication, fingerprint authentication, and at least one user authentication of a password and a telephone number The electronic transaction transaction and the electronic commerce transaction are relayed so that the user terminal 200, the electronic financial transaction system 300, and the electronic commerce system 400 can perform the unauthorized access during the financial transactions.

Specifically, the financial transaction relay system 2 of the present invention includes the communication networks 4 and 6, the customer terminal 200, the electronic financial transaction system 300, the electronic commerce system 400, and the financial transaction relay server 100).

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

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

The customer terminal 200 includes a fingerprint recognizer 210 for obtaining fingerprint information and a finger vein reader 220 for extracting finger vein information. The customer terminal 200 provides the fingerprint information obtained from the fingerprint recognizer 210 and the fingerprint information extracted from the fingerprint recognizer 220 to the financial transaction relay server 100 via the communication network 4. [ In this embodiment, the fingerprint recognizer 210 and the finger vein recognizer 220 are provided as one module 202, so that fingerprint and finger vein can be simultaneously scanned during user authentication.

The customer terminal 200 accesses the financial transaction relay server 100 via the communication network 4 and registers the member as a member. At this time, the customer terminal 200 registers the fingerprint information and the fingerprint information in the financial transaction relay server 100, and registers the password registered in the electronic financial transaction system 300 or the electronic commerce system 400. Also, the customer terminal 200 can be additionally authenticated using the telephone number from the financial transaction relay server 100. The customer terminal 200 further includes a fingerprint recognizer 210 and a finger vein reader 220 in a module 202 for electronic financial transactions and electronic commerce with the electronic financial transaction system 300 and the electronic commerce system 400. [ And simultaneously scans fingerprints and fingerprints, and provides the fingerprint information and the fingerprint information to the financial transaction relay server 100.

As shown in FIG. 3, the customer terminal 200 of this embodiment is provided as a smart phone and is connected to the financial transaction relay server 100 through the communication network 4 to perform electronic financial transactions, financial transaction transactions for electronic commerce Downloads the app 202 and installs it inside. The customer terminal 200 activates the financial transaction relaying application 202 to simultaneously scan the fingerprint information and the fingerprint information through the fingerprint recognizer 210 and the fingerprint recognizer 220, And provides the fingerprint information to the financial transaction relay server 100 via the communication network 4. [

The fingerprint recognizer 210 and the finger vein reader 220 of the customer terminal 200 may be provided in the form of one module 202 of the customer terminal 200 and may be provided inside the customer terminal 200, As shown in FIG. 3, the client terminal 200 may be provided as an independent device detachable from the customer terminal 200. In order to eliminate the financial burden of the customer purchasing the fingerprint recognizer 210 and the finger vein reader 220 and actively encourage the use of the financial transaction relaying application 202, the financial transaction relay server 100 The fingerprint recognizer 210 and the finger vein reader 220 are provided at a transaction site in a service provider, an affiliate shop, or a credit card company of a customer terminal 200 to register and use payment means using a fingerprint and a fingerprint, Mounted, detachable form.

Since the technique for the fingerprint recognizer 210 has already been variously disclosed, detailed description of functions, functions, and the like for acquiring and identifying the fingerprint information will be omitted here.

The finger vein recognizer 220 extracts and acquires finger vein information so as to authenticate the customer by recognizing the hemoglobin pattern of the vein by projecting the near infrared ray or the like on the vein of the finger which is easy to use among the customer's blood vessel. That is, by using the fact that the vein of the finger absorbs near-infrared light and the portion other than the vein transmits near-infrared light, a near infrared ray is irradiated onto a finger and a finger having near infrared sensitivity, for example, The image of the vein can be extracted and used for personal authentication.

However, since about 1/100 million users of the finger vein are recognized as the same or similar, the user can not be identified. Therefore, in the present invention, the finger vein information recognized from the finger vein recognizer 220 When it is difficult to identify the fingerprint information stored in the database 130 of the relay server 100 or is similar to or similar to the fingerprint information stored in the database 130, that is, when the fingerprint information is not unique fingerprint information, , And authenticate the customer.

Therefore, the financial transaction relay server 100 authenticates the user by using the finger vein and, when an authentication error occurs, authenticates the user using the second fingerprint.

Specifically, the finger vein recognizer 220 of this embodiment includes a controller 212 for controlling all operations of the finger vein recognizer 220, a scanner 214 for acquiring finger vein information by scanning a finger of a customer, a scanner 214 A memory 216 for extracting and storing a finger vein pattern from the finger vein information acquired from the finger 214, a finger vein image display unit 216 for displaying the finger vein information scanned from the scanner 214, And an interface module 220 connected to the customer terminal 200 and providing the finger vein information acquired from the scanner 214 to the customer terminal 200.

In the memory 216, a finger vein pattern extraction program 230 for extracting a finger vein pattern from the obtained finger vein information is stored. The finger pattern extraction program 230 is provided, for example, as a level set curvature program to remove noise from the image relating to the finger acquired from the scanner 214, The peripheral portion of the image is removed to separate the image of only the finger portion, the finger vein pattern is extracted from the image of only the finger portion using the level set curvature, and the extracted vein pattern is binarized and thinned )do. Thereafter, it is possible to judge whether the finger vein pattern coincides with the customer's finger vein pattern according to the command of the level set curvature program 230.

The finger vein recognizer 220 further includes a temperature sensor 222 for sensing the temperature of the finger and a blood flow recognition sensor 224 for recognizing blood flowing in the finger when the finger vein information is acquired from the scanner 214. For example, the temperature sensor 222 and the blood flow recognition sensor 224 may be configured so that the finger vein recognizer 220 can detect the finger vein information by using only the finger of the other person for a predetermined period of time, The CPU 210 recognizes the temperature of the finger and the flow of the blood flow together with finger vein information obtained from the scanner 214 to process the finger vein information acquired from the scanner 214 to provide the finger vein information to the customer terminal 200.

For example, the finger vein recognizer 220 may be configured as a 'finger vein authentication system' of Korean Patent Registration No. 10-1496852 (published on Mar. 02, 2015).

1, the electronic financial transaction system 300 is provided in a partner bank, an insurance company, a securities company, and the like. The electronic financial transaction system 300 includes an electronic financial transaction according to the banking process performed online by the customer terminal 200, And deals with electronic financial transactions based on brokerage business. When the customer terminal 200 is approved as a multiple security lock function through the financial transaction relay server 100, the electronic financial transaction system 300 is connected without authentication.

The e-commerce system 400 may include, for example, an online shopping mall system such as a department store or a discount store, a passenger transportation reservation system for aviation or railroad, a lodging reservation system for a condo or a hotel, And a leisure reservation system. When the customer terminal 200 is approved as a multiple security lock function when using electronic commerce through the financial transaction relay server 100, the user terminal 200 is connected without authentication.

When the customer terminal 200 registers as a member, the financial transaction relay server 100 registers the member as a member through the multiple safety lock module 110 and transmits the electronic transaction information to the electronic financial transaction system 300 and the electronic commerce system 400 In a financial transaction or an e-commerce transaction, the user terminal 200 simultaneously scans the fingerprint information and the fingerprint information, sequentially authenticates the user, authenticates the user through the password and the middleware firewall 120, When the electronic commerce system 300 and the electronic commerce system 400 are approved as the multiple security lock function in the electronic financial transaction and the electronic commerce, the transaction is relayed so that the financial transaction is performed with the unauthorized access. The financial transaction relay server 100 establishes a personal portal site for electronic financial transaction and electronic commerce.

2, the financial transaction relay server 100 includes a control unit 102, a communication unit 104, a multiple safety lock module 110, a middleware authentication processing unit 122, and a database 130 ). Although not shown in the figure, the financial transaction relay server 100 includes components of a typical computer system such as a central processing unit, a memory unit, an input / output unit, and a storage unit.

The control unit 102 controls and processes all operations of the financial transaction relay server 100. The control unit 102 may include, for example, hardware such as a central processing unit, a memory or a web server, as well as software such as an operating system program, a control program, and the like. The control unit 102 receives fingerprint information and fingerprint information from the customer terminal 200 at the time of electronic financial transaction and electronic commerce in the electronic financial transaction system 300 and the electronic commerce system 400, Password and telephone number information to process the multiple safety lock module 110 so that an unauthenticated connection is made to the electronic financial transaction system 300 and the electronic commerce system 400. [ At this time, if the user's fingerprint information is the same as or similar to a plurality of fingerprint information items stored in the database 130 and the user identification is impossible, the control unit 102 may additionally And controls to process user authentication.

In addition, the control unit 102 allows the customer terminal 200 to process the password authentication through the fingerprint authentication and the fingerprint authentication and the middleware firewall 120 to access the middleware, and the middleware authentication processing unit 122 processes the multiple safety lock function . At this time, the control unit 102 may process the user authentication using the telephone number instead of the password authentication, or may process the telephone number authentication together with the password.

The communication unit 104 connects the customer terminal 200 with the electronic financial transaction system 300 and the electronic commerce system 400 via the communication networks 4 and 6 and transmits the electronic financial transaction and electronic commerce And connects the terminal 200 to the financial transaction relay server 100.

The multiple security lock module 110 is provided with software, for example, and has a user authentication function of the customer terminal 200 in multiple stages. In this embodiment, the multiple safety lock module 110 receives the fingerprint information and the fingerprint information from the customer terminal 200, sequentially compares the registered fingerprint information with the fingerprint information to see if the fingerprint information matches the fingerprint information, A fingerprint processing unit 114 for registering a password of the customer terminal 200 and processing the firewall authentication using a password, , And a telephone number authentication processing unit (116) for authenticating using the telephone number of the customer terminal (200).

The middleware firewall 120 includes a middleware authentication processing unit 122. The middleware authentication processing unit 122 is provided between the multiple safety lock module 110 and the database 130 and transmits the authenticated client terminal 200 authenticated by the multiple safety lock module 110 to the middleware firewall 120 And processes various information of the database 130 so as to be provided to the electronic financial transaction system 300 or the electronic commerce system 400. [

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

Specifically, the database 120 stores member information 122, fingerprint information 124, fingerprint information 126, and financial information 128. The member information 122 includes information such as a name, an ID (ID) of the customer terminal 200, a user ID of the customer terminal 200, and the like, for example, when registering the customer terminal 200 as a member of the financial transaction relay server 100. [ ), A password, a telephone number, an e-mail address, and the like. The member information 122 is matched with the fingerprint information 124, the fingerprint information 126, and the financial information 126. The member information 122 is input when the customer terminal 200 activates the financial transaction relaying application 202 and registers it as a member.

The fingerprint information 124 receives and stores the fingerprint information acquired from the fingerprint recognizer 210 of the customer terminal 200 when the user of the customer terminal 200 registers as a member of the financial transaction relay server 100.

The fingerprint information 126 is registered in correspondence with the member information 122. The finger vein information 124 is acquired from the finger vein recognizer 220 of the customer terminal 200 and is provided from the customer terminal 200 to the financial transaction relay server 100 through the communication network 4. [ Therefore, the fingerprint information 124 registered in the financial transaction relay server 100 can be transmitted to one payment means (for example, a virtual payment means) or a user of a payment means (for example, a credit card, a transaction account, It is used as information necessary for authentication. The finger vein information 126 extracts the finger vein pattern and stores the extracted finger vein pattern information.

The financial information 126 includes information on payment means such as a credit card, a debit card, a check card, and a transaction account issued by the customer terminal 200, and the electronic financial transaction system 300 or electronic A password of the passbook account registered in the commerce system 400 or a password for authentication of the middleware firewall 120. [

The financial transaction relay server 100 firstly authenticates fingerprint (or fingerprint) authentication based on the mobile application, that is, the financial transaction relaying application 202, secondly, firewall password authentication, thirdarily fingerprint (or fingerprint) The security module 110 is connected to the control unit 102. The security module 110 is connected to the security lock module 110 through the firewall, A password processing unit 114 and a telephone number processing unit 116 and three items of the fingerprint information processing unit 112, the telephone number processing unit 116 and the membership information 132, fingerprint information 134, financial information (136), and middleware approval processing unit (122) between the software and hardware operating system interlocking with each other, thereby requesting approval of information in accordance with the integrated six items, Authorization is processed in accordance with the prior lock module 110, and performs operation of linking authorized middleware processor 122.

Therefore, the financial transaction relay system (2) of the present invention opens multiple security lock functions and is processed so that electronic financial transactions and electronic commerce can be safely and conveniently used through unauthorized access.

As described above, the financial transaction relay system 2 of the present invention uses the mobile application 202 of the customer terminal 200 to perform a multi-step procedure of fingerprint authentication, password authentication, fingerprint authentication, and middleware authentication processing for each of them Multiple authentication paths including fingerprints, passwords, and fingerprints and multiple security lock functions of the middleware authentication processing unit 122 are processed so that only unauthorized access is possible.

In the financial transaction relay system 2 of the present invention, the customer terminal 200 downloads a mobile application through a smart phone or a personal portal connection, and uses the downloaded application for financial transactions. At this time, the financial transaction relay server 100 recognizes the finger vein and the fingerprint at the moment when the customer brings one finger to the customer terminal 200 by using the multiple safety lock module 110, Next, unauthenticated connection is possible only if middleware firewall 120 is authenticated.

In the middleware firewall 120 authentication process of the present invention, a fingerprint pattern is extracted through a unique fingerprint scanning of each customer, and one of a plurality of fingerprint information associated with fingerprint information of the database 130 Lt; / RTI > At the moment of releasing the finger, the information of the customer's own is removed, and the finger vein pattern is newly extracted and recognized automatically at every finger vein scanning. At this time, when the user is authenticated using the finger vein (or fingerprint) as the primary authentication, if the user authentication error occurs, the user is authenticated using the fingerprint (or finger vein) The user authentication error can be minimized even when the user identification is difficult.

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

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

In step S154, the customer terminal 200 obtains fingerprint information and fingerprint information through the fingerprint recognizer 210 and the fingerprint recognizer 220, and transmits fingerprint information and fingerprint information to the financial transaction relay server The financial transaction relay server 100 registers fingerprint information and fingerprint information in correspondence with the customer terminal 200. At this time, the financial transaction relay server 100 stores the fingerprint information 124 and the fingerprint information 126 in the database 120.

In step S156, the financial transaction relay server 100 firstly recognizes the fingerprint in order to perform the electronic financial transaction and the electronic commerce, and discriminates whether or not the fingerprint information stored in the database matches the fingerprint information stored in the database in step S158, Authentication.

In step S160, the financial transaction relay server 100 receives the password from the customer terminal 200 and determines whether the password matches the password stored in the database 130 in step S162. The password stored in the database 130 is included in the member information 122. As a result of the determination, if the two passwords match, the fingerprint is recognized in the third step in step S164, and it is determined in step S166 whether the fingerprint information matches the fingerprint information 126 stored in the database.

As a result of the determination, if the two pieces of fingerprint information match, the procedure proceeds to step S168, where the multiple safety lock module 110 sequentially transmits the database 130 of the financial transaction relay server 100 through the middleware approval processing unit 122, In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication and processes the transaction to relay the financial transaction.

However, if the financial transaction relay server 100 does not match any one of the fingerprint information, the password and the fingerprint information from the customer terminal 200 in steps S158, S162, and S166, the flow proceeds to step S172, And blocks the connection of the financial transaction relay server 100 to prevent the electronic transaction from being processed.

5 is a flowchart illustrating a processing procedure of a financial transaction relay system having multiple security lock functions for simultaneously scanning a finger vein and a fingerprint according to another embodiment of the present invention to process user authentication. In this embodiment, the fingerprint information is the same as or similar to the fingerprint information and is processed in the case where the user identification is difficult. In this case, the fingerprint information is subjected to the primary user authentication, Information is used to process user authentication.

5, the financial transaction relay system 2 of the present invention scans fingerprints and fingerprints simultaneously from the fingerprint recognizer 210 and the fingerprint recognizer 220 of the customer terminal 200 at step S180, And provides fingerprint information to the financial transaction relay server 100.

In step S182, the financial transaction relay server 100 recognizes fingerprint information and fingerprint information. In step S184, the fingerprint information is compared with the fingerprint information stored in the database 130 to determine whether the fingerprint information is unique.

As a result of the determination, if the fingerprint information is unique, the process proceeds to step S188. If the fingerprint information is not unique, that is, if fingerprint information is the same or similar so that user identification is difficult, fingerprint information is stored in the database 130 in step S186 And compares it with the stored fingerprint information to determine whether it is unique.

As a result of the determination, if the fingerprint information is unique, the process proceeds to step S188 and processes the user authentication for releasing and blocking the firewall using at least one of the password and the telephone number.

It is determined in step S190 whether the password and / or the telephone number match the password or / and the telephone number stored in the database 130. If the password and / or the telephone number match, the middleware approval processing unit 122, in step S192, The lock module 110 releases the firewall so as to open the database 130 of the financial transaction relay server 100. Subsequently in step S194 the financial transaction relay server 100 transmits the electronic transaction transaction system 300 or e- System 400 to process the transaction so as to relay the financial transaction.

However, if it is determined in step S186 and step S190 that the user terminal 200 can not authenticate the user using the fingerprint information and the fingerprint information, or if the password and / or the telephone number do not match, the process proceeds to step S196, The connection of the financial transaction relay server 100 is blocked so that the transaction can not be processed.

Although the configuration and operation of the financial transaction relay system having the multiple security lock function for simultaneously scanning the finger vein and the fingerprint according to the present invention and processing the user authentication have been shown and described in detail and with reference to the drawings, It will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit of the invention.

2: Financial Transaction Relay System
4, 6: Network
100: financial transaction relay server
110: Multiple safety lock module
112: finger vein recognition processing unit
114: Password processor
116: Telephone number authentication processing unit
120: Middleware firewall
122: middleware authentication processing unit
200: Customer terminal
202: Module
210: Fingerprint reader
220: fingerprint recognizer
300: Electronic financial transaction system
400: Electronic Commerce System

Claims (5)

A financial transaction relay system comprising:
A communication network;
A customer terminal connected to the communication network and including a fingerprint recognizer for recognizing fingerprint information of a customer and a finger vein reader for extracting finger vein information;
Wherein the customer terminal is connected through the communication network, receives the fingerprint information and the fingerprint information from the customer terminal and registers the fingerprint information as a member, and when the customer terminal performs either an electronic financial transaction or an electronic commerce transaction, The fingerprint information is received from the terminal and the fingerprint information is firstly used to process user authentication using the fingerprint information, and if the fingerprint information is not identifiable from the fingerprint information, And receives the user authentication processing signal from the user terminal to process the authentication of the middleware firewall. Thus, an electronic financial transaction system for electronic financial transactions or an electronic commerce system for electronic commerce To finance And a financial transaction relay server for performing a relay process so as to perform the transaction,
Wherein the finger vein recognizer comprises:
A scanner for acquiring finger vein information by scanning a finger of a customer;
Extracting a finger vein pattern from the finger vein information acquired from the scanner and storing the vein pattern, extracting a finger vein pattern from the acquired vein pattern information, and determining whether the extracted finger vein pattern coincides with a customer's finger vein pattern A memory for storing an extraction program;
A finger vein image display unit displaying finger vein information scanned from the scanner or displaying a process of the finger vein recognizer;
An interface module connected to the customer terminal and providing finger vein information obtained from the scanner to the customer terminal;
And a controller for controlling all operations of the finger vein recognizing device.
The method according to claim 1,
The financial transaction relay server comprises:
Wherein the control unit receives the finger vein information and the fingerprint information from the customer terminal and sequentially compares the registered finger vein information with the fingerprint information to determine whether the fingerprint information matches the fingerprint information. And a password processing unit for registering a password of the customer terminal and authenticating the user terminal using a password;
The fingerprint information of the customer terminal is compared with the previously registered fingerprint information, and when the fingerprint information or the fingerprint information coincides with the password, the electronic finger transaction system and the electronic commerce And a middleware approval processing unit for accepting and processing the financial transaction and the e-commerce transaction to be relayed.
delete A method of processing a financial transaction relay system comprising:
A fingerprint reader and a finger vein reader are connected to a financial transaction relay server through a communication network from a customer terminal provided as a module and are simultaneously registered as a member and scanned simultaneously from the fingerprint recognizer and the finger vein reader to generate fingerprint information and fingerprint information Transmitting the fingerprint information and the fingerprint information to the financial transaction relay server through the communication network and registering the fingerprint information and the fingerprint information;
When the customer terminal accesses the financial transaction relay server to perform electronic financial transaction and electronic commerce, the financial transaction relay server receives the fingerprint information and the fingerprint information from the customer terminal, Comparing the finger vein information with registered finger vein information to determine whether the transmitted finger vein information is unique;
Comparing the transmitted fingerprint information with the registered fingerprint information to determine if the transmitted fingerprint information is unique;
And if the transmitted fingerprint information is unique, processing the firewall password authentication by receiving a user authentication processing signal from the client terminal.
5. The method of claim 4,
The method comprising:
If the password transmitted in processing the firewall passwort authentication matches the password registered in the financial transaction relay server, the firewall is released and the electronic money transaction system and the electronic commerce system are accessed through the financial transaction relay server without authentication Further comprising the step of relaying the financial transaction to the financial transaction relay system.

Images