WO2018155900A1

WO2018155900A1 - System, formed at edge of smartphone, for electronic payment using fingerprint and finger vein recognition, and method therefor

Info

Publication number: WO2018155900A1
Application number: PCT/KR2018/002123
Authority: WO
Inventors: 최성호; 송청자; 박대진
Original assignee: 주식회사 올아이티탑
Priority date: 2017-02-22
Filing date: 2018-02-21
Publication date: 2018-08-30
Also published as: KR101792021B1

Abstract

The present invention relates to an electronic payment system using fingerprint and finger vein recognition, which is embedded in an edge of a smartphone, the system comprising a payment service server for payment processing through a payment means corresponding to first fingerprint and finger vein information, wherein: an authentication unit space (2500) having a narrow top and wide bottom shape is formed at the lower edge of a smartphone body side part (2400) so as to receive a fingerprint and finger vein authentication unit (2100) for acquiring fingerprint and finger vein information; a fingerprint recognition module (2310) is disposed on the upper side of the body side part (2400), and an empty space is disposed on the lower side thereof so as to allow a user to put his/her finger (f) thereon; and an image sensor (2510a) and an infrared transmitter unit (2520a) facing the finger (f) so as to photograph the same, and a recognition circuit electronic unit for controlling the image sensor (2510a) and the infrared transmitter unit (2520a) are disposed in the authentication unit space (2500).

Description

Electronic payment system and method using fingerprint and finger vein recognition formed on edge of smartphone

The present invention relates to an electronic payment system and method using a fingerprint and finger vein recognition formed on the edge of the smartphone, and more particularly formed on the edge of the smartphone to replace the credit card payment method using the fingerprint and finger vein recognition An electronic payment system and a method thereof.

The present invention relates to patent registration No. 10-1616266, International Patent Classification G06Q 20/40 and Patent Application No. 10-2016-46135 filed by the present applicant, using a fingerprint and finger vein recognition formed on the edge of the smartphone An electronic payment system and a method thereof.

Biometric technology refers to a technology for identifying or identifying an individual using biometric information. Until now, biometric technology has been used to identify an individual's identity using fingerprint, face, iris or voice.

Fingerprint recognition technology is small in size and can be mass produced at low cost. It also shows relatively good performance in terms of recognition accuracy and speed. However, fingerprints are exposed outside of the body and are easy to be stolen and may be deformed by sweat, which can affect recognition performance. There are also hygiene problems. Iris recognition technology is the most reliable biometric technology in that there is little possibility of recognition error and forgery is difficult. However, most people are reluctant to shine light directly on their eyes for iris recognition, and iris recognition devices are large and expensive. Face or voice recognition technology has the advantage of being the most natural form of biometric information for identity recognition. However, it has a disadvantage in that the accuracy is lower than other techniques in terms of accuracy of recognition.

In order to supplement and solve the shortcomings of the above-described biometric recognition technology, finger vein recognition technology is currently developed. Finger vein recognition technology refers to a technique for identifying an individual using finger vein pattern images acquired through infrared. Human veins are located underneath the skin and have complex shapes, and studies have shown that vein patterns vary from person to person and do not change with age. Finger vein recognition technology has the following advantages. That is, since the vein is inside the body, there is little risk of theft or forgery, and the condition of the finger surface does not affect recognition. In addition, it is possible to construct a non-contact device with high user convenience by using infrared rays, and the finger vein pattern can be found stably and relatively clearly, so that a low resolution camera can be used to acquire a small, simple image processing finger vein image. have. In other words, finger vein recognition technology can provide balanced performance in terms of security and convenience.

Due to these advantages, finger vein recognition technology is more difficult to counterfeit than fingerprint, iris, face, and voice recognition technology, enabling a more secure biometric authentication device and miniaturization. It is becoming.

And, until now, only the image of the finger vein can be taken only by a large image sensor according to the size of the finger, so that expensive parts, such as the lens of the image sensor, or higher precision, may not be able to achieve a predetermined purpose. As it can, finger vein technology has not been universal.

An object of the present invention is to provide an electronic payment system and method using finger vein recognition to replace the credit card payment method.

Another object of the present invention to provide an electronic payment system and method for complementary recognition of the temperature of the finger, blood flow during electronic payment using finger vein recognition.

Still another object of the present invention is to provide an electronic payment system and method using finger vein recognition through a mobile application.

Still another object of the present invention is to develop an apparatus for recognizing a fingerprint and a finger vein, and to provide an electronic payment system and method using the fingerprint and finger vein recognition.

Until now, only the image of finger vein can be taken only by a large image sensor that fits the size of the finger. In this situation, the present invention has to shorten the distance to the recognition part of the finger vein and develop a miniaturized recognizer. There was a need.

That is, technically, in the miniaturization of the recognizer that recognizes the fingerprint and the finger vein, the fingerprint on the finger surface can recognize the visible light, and when the infrared light is projected on the finger, the vein pattern appears to recognize it. However, it was necessary to manufacture a miniaturization of the whole device by shortening the shooting distance by making a plurality of image sensors to a small size here.

In addition, by improving the structure that can be embedded in the smart phone, there is a need to provide a framework for easy payment.

In order to achieve the above objects, 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.

The present invention provides an electronic payment system using fingerprint and finger vein recognition, comprising: a communication network; A client client connected to the communication network and acquiring first fingerprint and finger vein information of the client; An affiliated client connected to the communication network and obtaining second fingerprint and finger vein information of the client of the client client when a commerce occurs; Receiving and registering the first fingerprint and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint and finger vein information is transmitted from the merchant client, the first fingerprint and finger vein information and And a payment service server for comparing the fingerprint and the finger vein information to authenticate the customer and processing the payment to be made through the payment means corresponding to the first fingerprint and the finger vein information. And the authentication device unit 2100 for acquiring finger vein information is a lower side edge of the authentication device unit space 2500 into which the fingerprint and finger vein authentication device unit 2100 can enter the lower edge of the smartphone main body side part 2400. The fingerprint recognition module 2310 is formed on the upper side of the authentication device unit 2100, and an empty finger-taking groove 2410 is formed on the lower side to place the finger f. It is possible to, but the smart device, characterized in that the authentication device unit space 2500 is formed with an image sensor 2510a and an infrared ray emitter 2520a and a recognition circuit control unit for controlling the image to be directed toward the finger (f) It is an electronic payment system using fingerprint and finger vein recognition embedded in the phone edge.

In addition, the present invention provides an electronic payment system using a fingerprint and finger vein recognition: a communication network; A client client connected to the communication network and acquiring first fingerprint and finger vein information of the client; An affiliated client connected to the communication network and obtaining second fingerprint and finger vein information of the client of the client client when a commerce occurs; Receiving and registering the first fingerprint and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint and finger vein information is transmitted from the merchant client, the first fingerprint and finger vein information and And a payment service server for comparing the fingerprint and the finger vein information to authenticate the customer and processing the payment to be made through the payment means corresponding to the first fingerprint and the finger vein information. And the authentication device unit 3100 for acquiring finger vein information includes an authentication device part space 3500 into which the fingerprint and finger vein authentication device part 3100 can enter the right end corner of the upper body part 3400 of the smartphone body. It is formed in the left side right light form, the fingerprint recognition module 3310 is formed on the left side of the authentication device unit 3100, an empty finger shooting groove 3410 is formed on the right side to place a finger. In the authentication device unit space 3500, the image sensor 3510a and the infrared emitter 3520a for photographing toward the finger, and the recognition circuit unit for controlling the same is formed on the edge of the smartphone. It is an electronic payment system using built-in fingerprint and finger vein recognition.

In addition, the present invention provides an electronic payment system using a fingerprint and finger vein recognition: a communication network; A client client connected to the communication network and acquiring first fingerprint and finger vein information of the client; An affiliated client connected to the communication network and obtaining second fingerprint and finger vein information of the client of the client client when a commerce occurs; Receiving and registering the first fingerprint and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint and finger vein information is transmitted from the merchant client, the first fingerprint and finger vein information and And a payment service server for comparing the fingerprint and the finger vein information to authenticate the customer and processing the payment to be made through the payment means corresponding to the first fingerprint and the finger vein information. And an authentication device unit 4100 for acquiring finger vein information is an authentication device part space 4500 into which the fingerprint and finger vein authentication device part 4100 can enter the front from the lower right front corner of the smartphone body side part 4400. ) Is formed in the upper side lower light form, the fingerprint recognition module 4310 is formed on the upper side of the authentication device unit 4100, and the empty finger shooting groove 4410 is formed on the lower side. The user can place a finger, but the authentication device unit space (500) is characterized in that the image sensor 4510a and the infrared emitting unit (4520a) and the recognition circuit for controlling it formed so as to shoot toward the finger, It is an electronic payment system using fingerprint and finger vein recognition embedded in the smartphone edge.

And, in the present invention, the electronic payment system; If the payment means is a means corresponding to a credit card, the fingerprint and designation embedded in the edge of the smartphone further comprises a credit card company server for processing the approval to be made from the payment means when the customer is authenticated It is an electronic payment system using Mac recognition.

And, in the present invention, the image sensor and the infrared emitting unit is formed in a plurality in the space portion fingerprint and finger vein recognition embedded in the edge of the smart phone, characterized in that to reduce the distance of the space of the authentication unit Electronic payment system using.

In the present invention, the fingerprint module U2, the finger vein module U3, and the conversion module U4 are formed as the integrated module U1 for simultaneously authenticating the fingerprint and the finger vein, and the fingerprint module U2. GND line 1 of the (-) voltage circuit, RX line 2 of the serial data receiving port, TX line 3 of the serial data transmission port, VCC line 4 of the (+) voltage of the power circuit. They scan the fingerprints from the image sensor and compare them with the pre-stored images, and if there is a person with the same fingerprint image, the registered authentication code of the person is output through 232 communication, and the GND 1 line of the finger vein module U3 is ( -) Voltage standard, line A 2 is serial communication standard RS485 communication port A, line B 3 is serial communication standard RS485 communication port B, line VCC 4 is the positive voltage standard of the power supply circuit, The GND line 1 on the left side of the conversion module U4 has a negative voltage. A line 2 is a serial communication standard RS485 communication A port, B line 3 is a serial communication standard RS485 communication B port, VCC line 4 is a positive voltage reference, and the finger vein module (U3) and DI line 5 on the right side of the interlocked conversion module (U4) is a serial 232 communication receiving port, RE line 6 is a 485 communication control port, DE line 7 is a 485 communication control port, and RO line 8 is a serial 232 communication port. As a communication transmission port, it is linked with the integrated module (U1), the fingerprint authentication code output from the fingerprint module (U2) and the finger vein authentication code output from the finger vein module (U3) in the integrated module (U1). It is an electronic payment system using the fingerprint and finger vein recognition embedded in the edge of the smart phone, characterized in that the output of the authentication code to the USB when one of the fingerprint and the finger vein authentication code to match each other.

In addition, the present invention provides a processing method of an electronic payment system using fingerprint and finger vein recognition: providing a hybrid web for fingerprint and finger vein payment to a fingerprint and finger vein payment service server of the electronic payment system, wherein a client client communicates with a communication network. Accessing the fingerprint and finger vein payment service server through; Activates the hybrid web for fingerprint and finger vein payment in which the client client is installed, obtains the first fingerprint and finger vein information of the customer through an authentication device for acquiring first fingerprint and finger vein information of the client client, Providing the obtained first fingerprint and finger vein information to the fingerprint and finger vein payment service server through the communication network; The fingerprint and finger vein payment service server storing and registering the first fingerprint and finger vein information provided from the customer client in a database, and transmitting the first fingerprint and finger vein information to the credit card company server through the communication network; Registering, by the credit card company server, by matching the first fingerprint and finger vein information transmitted from the fingerprint and finger vein payment service server with a payment means of a registered customer; Recognition of the second fingerprint and finger vein information of the customer from the authentication device unit that obtains the second fingerprint and finger vein information of the merchant client connected to the communication network is generated at the merchant, the second fingerprint and finger vein information and commerce occurs Requesting payment approval by transmitting the payment information according to the fingerprint and finger vein payment service server; Determining, by the fingerprint and finger vein payment service server, customer authentication by comparing and analyzing second fingerprint and finger vein information transmitted from the affiliated store client with first fingerprint and finger vein information registered in the database; As a result of the determination, when the registered first fingerprint and finger vein information and the second fingerprint and finger vein information match, the fingerprint and finger vein payment service server makes a payment by the customer's payment means matching the first fingerprint and finger vein information. It includes the step of requesting the payment approval to the credit card company server to be made, the authentication device unit 2100 for obtaining the first, second fingerprint and finger vein information is the lower edge of the smartphone body side portion 2400 An authentication device part space 2500 into which the fingerprint and finger vein authentication device part 2100 can be formed is formed in the upper and lower light form, and a fingerprint recognition module 2310 is formed on the upper part of the authentication device part 2100. An image sensor 2510a and an infrared ray are formed in the lower part so as to place a finger f by forming an empty finger-taking groove 2410, and to shoot toward the finger f in the authentication device part space 2500. Sender (2520a) , Is an electronic payment method using a fingerprint and a vein recognition built into the smart phone edge, characterized in that this control circuit recognizes full-length part is formed to.

As described above, 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.

In addition, the electronic payment system using the fingerprint and finger vein recognition of the present invention has a finger vein reader that can be detached from the client and the merchant client to register or authenticate the finger vein information, so that the user authentication according to the electronic payment at a low cost It is possible.

In addition, the electronic payment system using the fingerprint and finger vein recognition of the present invention can utilize the highly secure finger vein information as a payment means, providing convenience to the user.

In addition, by completing the convergence technology that can simultaneously authenticate the fingerprint and fingerprint, there is a more effective security effect.

In addition, by improving the structure that can be embedded in the smart phone, there is an effect that has provided a framework for easy payment.

In this way, since the photographing part of the finger vein can be authenticated centering on the finger node, the first compartment or the second compartment can be manufactured so that only the person can know the finger vein part of the finger as well as the manufacture of the miniaturized recognizer. (Concept of miniaturization), or the first compartment or the third compartment (the concept of miniaturization and security scalability), or the second compartment or the third compartment (the concept of miniaturization and security scalability), so that only the optional part is its own secret finger vein. It has the effect of being able to do it in parts.

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.

4 is a flowchart showing a processing procedure of the electronic payment system according to the present invention.

5 is a diagram showing an external electronic configuration example of the authentication apparatus 1200 as the first embodiment of the present invention.

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.

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

8 is a view showing an external electronic configuration example of the authentication device 200a as a second embodiment of the present invention.

Figure 9 is a perspective view of the fingerprint and finger vein authentication unit installed in the smart phone according to an embodiment of the present invention

Figure 10 is a perspective view of the edge of the fingerprint and finger vein authentication unit installed in the smart phone according to an embodiment of the present invention

Figure 11 is a side cross-sectional view of the edge of the fingerprint and finger vein authentication unit installed in the smartphone according to an embodiment of the present invention

12 is a perspective view of a corner of the plurality of smart phones according to an embodiment of the present invention fingerprint and finger vein authentication unit installed

Figure 13 is a side cross-sectional view of the upper edge of the smart phone fingerprint and finger vein authentication unit installed in accordance with any embodiment of the present invention

Figure 14 is a perspective view of the front lower edge of the smart phone equipped with fingerprint and finger vein authentication unit of the smart phone according to an embodiment of the present invention

15 to 17 are flowcharts for requesting registration, authentication, and deletion of fingerprints and finger veins

18 and 19 are flowcharts when the fingerprint 1 and the finger vein 1 of the present invention are recognized at the same time.

20 is a block diagram illustrating a network configuration of an electronic payment system that provides a fingerprint or / and a finger vein payment service according to the hybrid web of the present invention.

FIG. 21 is a block diagram showing the configuration of a customer client shown in FIG.

22 is a flowchart showing the processing procedure of the electronic payment system according to the hybrid web of the present invention.

Figure 23 is an input / output integrated module for interlocking the fingerprint and finger vein algorithm

2: electronic payment system

10: communication network

100: fingerprint or / and finger vein payment service server

110: fingerprint or / and finger vein payment app

200: customer client

210: fingerprint or / and finger vein recognizer

300: credit card company server

400: Merchant Client

410: fingerprint or / and finger vein recognizer

1200: integrated shooting authentication device

1201: object receiving unit

1201a: upper case of the scan panel

1201b: Scan panel lower case

1220, 1230, 1231: Image Sensor

1240, 1241: infrared light source

1242; Visible light source

1250: Scan Panel

1250a: Fingerprint Finger Contact

1250b: finger vein non-contact

1260a: infrared side emitting unit

1260: infrared side emitting case

The embodiments of the present invention may be modified in various forms, and the scope of the present invention should not be interpreted as being limited by the embodiments described below. This embodiment is provided to more completely explain the present invention to those skilled in the art. Therefore, the shape of the components in the drawings, etc. have been exaggerated to emphasize a more clear description.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to FIGS. 1 to 4.

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.

Referring to Figure 1, the electronic payment system using the fingerprint or / and finger vein recognition of the present invention to recognize the fingerprint or / and the finger vein to replace the credit card payment of the customer to make a payment process or In the case of electronic payments such as credit cards, debit cards, check cards and bank transfers, the customer's identity is processed so that payment is made through fingerprint or / and finger vein authentication.

To this end, the electronic payment system 2 of the present invention includes a communication network 10, a fingerprint or / and finger vein payment service server 100, a plurality of customer clients 200, a credit card company server 300 and a plurality of services. Two merchant clients 400.

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. In this embodiment, the fingerprint or / and the finger vein recognizer 210 is provided in the form of a module inside the customer client 200, as shown in Figure 2, as an independent device detachable from the customer client 200 It may be provided. The client client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to download the fingerprint or / and finger vein payment app 110 and installs therein.

In addition, the client client 200 activates the fingerprint or / and the finger vein payment app (202 of FIG. 2) to scan the fingerprint or / and the finger vein information through the fingerprint or / and the finger vein recognizer 210, Provide the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the 2 communication network 10, and the virtual payment means replaced by the customer's own credit card, for example, a virtual payment credit card. And register by matching with a virtual payment account. Of course, the fingerprint or / and finger vein information of the customer client 200 registered in the fingerprint or / and finger vein payment service server 100 is the identification of the issued credit card, debit card, check card and transaction account information of the customer And for confirmation.

Credit card company server 300 issuing a virtual payment means corresponding to the fingerprint or / and finger vein information of the client client 200, by using the fingerprint or / and finger vein information to determine whether the payment approval fingerprint or / and Provides the determination result to the finger vein payment service server (100). Of course, the credit card company server 300 is a fingerprint or / and fingerprint of the client client 200 for identification and verification of other payment means corresponding to the client client 200, for example credit card, debit card, check card and transaction account information Finger vein information is available.

In addition, the affiliated client client 400 is a terminal provided in an affiliated store that sells a product or a service through an on-off line. For example, the affiliated client client 400 is provided as a POS terminal, a personal computer, or the like. Merchant client 400 has a fingerprint or / and finger vein recognizer 410 for recognizing the fingerprint and / and finger vein information of the customer. Merchant client 400 is a customer after the customer of the client 200 purchases goods or services in the merchant, the payment is made, through the fingerprint or / and finger vein recognizer 410 the fingerprint or / and finger vein information of the customer Scan and transmit the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to request payment approval. The merchant client 400 checks the payment approval through the fingerprint or / and finger vein payment service server 100 when the payment for the corresponding payment is approved from the credit card company server 300 (or another payment system). .

Specifically, FIG. 2 is a block diagram showing the configuration of the customer client shown in FIG. 1, and FIG. 3 is a block diagram showing the configuration of the fingerprint or / and finger vein payment service server shown in FIG.

2, the customer client 200 of this embodiment is provided with a smart phone, the fingerprint or / and finger vein payment app 202 is installed therein. The fingerprint or / and finger vein payment app 202 is downloaded and installed from the fingerprint or / and finger vein payment service server 100 through a communication network.

The smartphone 200 activates the fingerprint or / and finger vein payment app 202 to register the fingerprint or / and finger vein information of the customer on the fingerprint or / and finger vein payment service server 100. To this end, the smartphone 200 is attached to the fingerprint or / and finger vein recognizer (210). This removes the financial burden on the customer to purchase the fingerprint or / and the finger vein recognizer 210, and actively encourages the use of the fingerprint or / and the finger vein payment app 202. When a service provider, a merchant or a credit card company of the finger vein payment service server 100 provides a fingerprint or / and finger vein recognizer 210 at a commerce site to register and use a payment means using a fingerprint or / and finger vein, Mounted on the smart phone 200, provided in a detachable form.

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.

In detail, the fingerprint or / and the finger vein recognizer 210 controls the overall operation of the fingerprint or / and the finger vein recognizer 210, and acquires fingerprint or / and finger vein information by scanning a finger of a customer. The scanner 214, a memory 216 storing fingerprint and / or finger vein information obtained from the scanner 214, the fingerprint or / and finger vein information scanned from the scanner 214, or displaying a fingerprint or / and designation. LCD 218 for displaying the process of the Mac recognizer 210, and an interface module connected to the smart phone 200 to provide a fingerprint or / and finger vein information obtained from the scanner 214 to the smart phone 200 220.

In addition, the fingerprint or / and the finger vein recognizer 210, when acquiring fingerprint or / and finger vein information from the scanner 214, the temperature sensor 222 for detecting the temperature of the finger and the blood flow sensor for recognizing blood flowing through the finger 224 is further provided. The temperature sensor 222 and the blood flow sensor 224 may, for example, use fingerprints and / or designations to compensate for and solve the problem of scanning fingerprint or / and finger vein information using only another person's finger for a certain time. The MAC recognizer 210 recognizes the temperature of the finger and the flow of blood flow together with the fingerprint or / and finger vein information obtained from the scanner 214, and if it is determined that there is no abnormality, the fingerprint or / and acquired from the scanner 214. Processes to provide finger vein information to the smartphone (200).

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.

With continued reference to FIG. 3, the fingerprint or / and finger vein payment service server 100 of this embodiment stores the control unit 102, the communication unit 104, and the fingerprint or / and finger vein payment app 110. A storage unit (not shown) and a database 120 are included. The fingerprint or / and finger vein payment service server 100 includes components of a typical computer system, such as a central processing unit, a memory device, an input / output device and a storage device, although not shown in the drawing.

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. Although not shown in the drawings, the controller 102 may include, for example, hardware such as a central processing unit, a memory, or a web server, as well as software such as an operating system program and a control program.

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. Of course, 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.

Therefore, the fingerprint or / and finger vein payment app 110 receives the fingerprint or / and finger vein information from the customer client 200 registers in the database 120, the customer's fingerprint or / and from the merchant client 400 When the finger vein information is transmitted, the fingerprint and / or finger vein information of the customer registered in the database 120 is compared and analyzed, and the customer is authenticated to make a payment through a payment method matched with the fingerprint or / and finger vein information. Process to lose.

The database 120 stores various information according to the processing of the fingerprint or / and the finger vein payment app 110 under the control of the controller 102. In this embodiment, the database 120 is provided inside the fingerprint or / and finger vein payment service server 100, but may be provided as a separate database server.

Database 120 of this embodiment stores customer information 122, fingerprint or / and finger vein information 124, credit card matching information 126, payment information 128, and merchant information 130. .

Customer information 122 is the customer information entered when the customer client 200 activates the fingerprint or / and finger vein payment app 202 to register as a member, for example, name, mobile phone number, etc. Include your contacts, passwords, email addresses, and more.

The customer information 122 may further include information on issued payment methods such as credit cards, debit cards, check cards and transaction accounts.

Fingerprint and / or finger vein information 124 is registered corresponding to customer information 122. The fingerprint or / and finger vein information 124 is obtained from the fingerprint or / and finger vein recognizer 210 of the client client 200, and the fingerprint or / and finger vein from the client client 200 through the communication network 10. It is provided to the payment service server 100. Accordingly, the fingerprint or / and finger vein information 124 registered in the fingerprint or / and finger vein payment service server 100 may correspond to one payment means (eg, virtual payment means), or the issued payment means (eg, It is used as information required for user authentication of credit card, transaction account, etc.).

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.

Therefore, the fingerprint or / and finger vein payment service server 100 of the present invention receives the fingerprint or / and finger vein information 124 from the customer client 200 through the communication network 10 to register in the database 120, When a customer's fingerprint or / and finger vein information and payment request are received from the affiliated client client 400, when compared to the registered fingerprint or / and finger vein information and analyzed to correspond to a specific customer, payment is made by the customer's payment method. The payment request is made to the credit card company server 300 to be made, and when the payment is approved by the credit card company server 300, the client client 200 and the affiliated client client 400 notify that the payment has been made.

4 is a flowchart illustrating a processing procedure of the electronic payment system according to the present invention. This procedure is a program processed by the fingerprint or / and finger vein payment service server 100 according to the present invention, the program is provided as a fingerprint or / and finger vein payment app, the fingerprint or / and finger vein payment service server It is stored in the storage unit (not shown) of the 100, and installed in the customer client 200. The fingerprint or / and finger vein payment app 110 is processed in conjunction with the client client 200, merchant client 400, credit card company server 300 and fingerprint or / and finger vein payment service server 100 .

Referring to FIG. 4, the electronic payment system 2 of the present invention provides the fingerprint or / and finger vein payment app 110 to the fingerprint or / and finger vein payment service server 100 in step S150. In step S152, the customer 2 client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10, and downloads the fingerprint or / and finger vein payment app 110 is installed inside. .

In step S154, the client client 200 activates the installed fingerprint or / and finger vein payment app 202, obtains his or her own fingerprint or finger vein information through the fingerprint or / and finger vein recognizer 210, and It provides the fingerprint or / and finger vein information obtained to the fingerprint or / and finger vein payment service server 100 through the communication network (10). In operation S156, the fingerprint or / and finger vein payment service server 100 stores and registers the fingerprint or / and finger vein information provided from the client client 200 in the database 120. At this time, the fingerprint or / and finger vein payment service server 100 transmits the fingerprint or / and finger vein information to the credit card company server 300 through the communication network (10).

In step S158, the credit card company server 300 registers the fingerprint or / and finger vein information transmitted from the finger vein payment service server 100 by matching the payment means of the customer registered in the credit card company server 300 Or, correspond to the credit card, debit card, check card and transaction account issued from the credit card company server 300 to register and match. Therefore, through the above-described step S150 to step S158, the customer client 200 is registered to enable the electronic payment processing for the fingerprint or / and finger vein information.

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.

In operation S164, the fingerprint or / and finger vein payment service server 100 compares and analyzes the fingerprint or / and finger vein information transmitted from the affiliate client 400 with the fingerprint or / and finger vein information registered in the database 120. To determine the authentication status of the customer. As a result of the determination, when the two fingerprints and / or finger vein information match, in step S166, the fingerprint or / and finger vein payment service server 100 approves the payment to the credit card company server 300 so that the payment is made by the customer's payment means. If the request, and the determination result, the two fingerprints and / and finger vein information does not match, the merchant client 400 informs the reason for rejection and rejection, and the like.

In step S168, if the credit card company server 300 is approved through the payment means corresponding to the fingerprint or / and finger vein information requested for payment, the merchant client 400 and the fingerprint or / and finger vein payment service server 100 To confirm that the payment was approved. In operation S170, the fingerprint or / and finger vein payment service server 100 transmits a payment approval result to the client client 200, in step S172, the affiliated client client 400 confirms that the payment is approved, and then, in step S174, the client client 200 confirms that payment has been approved.

Therefore, the electronic payment system (2) using the fingerprint or / and finger vein authentication of the present invention registers the fingerprint or / and finger vein information of the customer to the fingerprint or / and finger vein payment service server 100, through which the merchant client When the commerce occurs from 400, the fingerprint or / and the finger vein information is determined to process the payment is made through the payment means matched to the fingerprint or / and finger vein information of the customer.

Next, by understanding the device that can recognize the fingerprint and the fingerprint or / and the finger vein developed by the present inventor, it will be able to understand the technology that can mount the pattern of the fingerprint or / and finger vein on the card.

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.

In addition, the temperature sensor 1275 for sensing the temperature of the blood flow of the finger is formed in front of the fingerprint or / and non-finger finger contact 1250b to face the fingerprint finger contact portion 1250a of the scan panel 1250, When the finger is landing, it detects the temperature of blood flow of the finger and is formed to enable its operation by the detected temperature.

In addition, one side has an infrared side emitting unit case 1260 having an infrared side emitting unit 1260a to be photographed from the side in order to capture the fingerprint or / and finger vein more accurately.

The scan panel lower case 1201b is formed as a space for accommodating electrical equipment.

Then, a finger seating rim 1253 to which the finger is seated is formed.

Thus, in the first embodiment of the present invention, the user initiates fingerprint or / and finger vein authentication by placing a finger object over the scan panel 250, and when fingerprint or / and finger vein authentication by the device is initiated, The infrared light source unit 1240 and the visible light source unit 1242 irradiate infrared rays and visible lines toward the finger object.

A plurality of image sensors respectively photograph the fingerprint and the fingerprint or / and the finger vein of the irradiated finger.

In the first embodiment of the present invention, 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. Also, at the same time, the finger fingerprint image sensor 1220 is installed in the same object receiving unit 1201 to photograph the finger fingerprint of the object.

As a second embodiment of the present invention, a user initiates fingerprint or / and finger vein authentication by placing a finger object on the scan panel 1250, and when fingerprint or / and finger vein authentication by the device is initiated, an infrared light source unit (1240) 1241 and visible line light source 1242 irradiate infrared rays and visible lines toward the finger object.

And these image sensors are to photograph the fingerprint and finger vein of the irradiated finger, respectively.

In the second embodiment of the present invention, 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. Also, at the same time, the finger fingerprint image sensor 1220 is installed in the same object receiving unit 1201 to photograph the finger fingerprint of the object.

In a preferred embodiment of the present invention, the finger

vein image sensor

1230 and 1231 and the finger fingerprint image sensor 1220 simultaneously photograph the finger vein and the finger fingerprint of the finger to use both of the finger vein by using biometric information For measurement purposes, the margin of error can be reduced to one-third of the square than when shooting individually.

In a preferred embodiment of the present invention, the finger

vein image sensor

1230 and 1231 and the finger fingerprint image sensor 1220 can shoot the finger vein and finger fingerprint of one finger at a time, the finger vein and the finger fingerprint surface and By photographing from the 90 degree side, the same error range reduction can be obtained by simultaneously obtaining a fingerprint and a finger vein image by one finger. When shooting the side of your finger, with your finger on the scan panel, roll it 90 degrees so that the side touches the scan panel.

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 1240, finger vein image sensor 1230, finger fingerprint image sensor 1220, digital converter 1290, decryption algorithm unit 1260, biometric information data A reservoir 1270 and a display 1280.

In addition, although not shown in the drawings, 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. Preferably it can be composed of one or more LEDs that emit infrared light of 630 ~ 1,000nm wavelength suitable for imaging the finger vein image. Also, preferably, an optical filter may be installed to remove optical noise.

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.

In addition, in some embodiments of the present invention, one infrared light source unit 1240 and one visible light source unit 1242 may be provided to irradiate infrared light and visible light toward the object receiving unit.

According to another exemplary embodiment of the present invention, the infrared light source unit 1240 and the visible light source unit 1242 may be installed in the object receiving unit 1101 so that the infrared and visible lines reach the object evenly, thereby optimizing for image acquisition.

In a preferred embodiment of the present invention, the finger

vein image sensor

1220, 1230 obtains a finger vein image for one finger object at the bottom and side.

In another preferred embodiment of the present invention, the finger vein image sensor 1230 obtains the finger vein image of the fingerprint surface and the side for one finger object.

As shown in Fig. 6 (a), (b), it refers to the angle to shoot infrared light from the inner surface and side of each finger.

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. By 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. In some embodiments of the present disclosure, the biometric data store 1270 may be built in an internal memory of the authentication device 1200.

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

The matching algorithm unit 1260 acquires user data stored in the biometric data storage 1270 and then determines whether the matching algorithm 1260 matches the user biometric information obtained by the digital converter 1290. If it matches, the success message may be output through the display unit 1280. If the decryption fails, the authentication failure message may be output to the display unit 1280.

The controller 1210 controls the operation and function of the authentication device 1200.

In particular, fingerprint or / and finger vein image acquisition, processing, authentication operations and authentication results are determined. A variety of software is available for processing and computing acquired fingerprints and / or finger vein images.

For example, the Canny edge detector algorithm can be used. Gaussian filter can be applied to remove the noise of the original image as a whole. Edge the image through an Image Gradient. In other words, the sketch line of the image is extracted. Apply the Non-maximum Supression to thin the edges (sketch lines), and apply the Double Threshold to classify dark edges as solid edges and faint edges as noises. . Finally, it deletes the weak edges, leaves only the obvious edges, and finally prints the edged image of the finger vein.

For example, the authentication device of the present invention dramatically reduces the false recognition rate by authenticating by using the fingerprint image and finger vein data of the finger at the same time.

In the present invention, a method of authenticating using one finger is described, but the same mechanism may be applied to the fingerprints and / or finger veins of three fingers for stability of an image or the like.

8 is a diagram showing an external electronic configuration example of the authentication apparatus 200a as the second embodiment of the present invention.

FIG. 8 is a second embodiment of the present invention, which is largely the same as the embodiment shown in FIG. 5, but in the second embodiment in the fingerprint recognition unit, three

image sensors

1220, 1230, and 1231 are provided in the integrated photographing authentication device 1200. However, the present invention provides a method for determining a fingerprint by contact of the fingerprint by forming a fingerprint recognition module 250aa instead of the double finger fingerprint image sensor 1220.

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.

That is, as shown in FIG. 8, 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.

In addition, the temperature sensor 275 for sensing the temperature of the blood flow of the finger is formed in front of the non-finger finger contact portion 250b opposite the fingerprint finger contact portion 250a of the scan panel 250, thereby landing the finger. In this case, by sensing the temperature of the finger and the flow of blood flow is formed to recognize the finger vein by the detected temperature and flow.

In addition, an infrared side emitting unit case 260 is formed in one side to accommodate the infrared side emitting unit 260a so that the side vein can be photographed in order to capture the finger vein more accurately.

The scan panel lower case 201b is formed as a space that can accommodate the electrical equipment.

Then, a finger seating border 253 to which the finger is seated is formed.

Therefore, in the first embodiment of the present invention, the user initiates finger vein authentication by placing a finger object on the scan panel 250, and when the finger vein authentication by the apparatus is started, an infrared light source unit formed at the bottom or side ( 240 and 241 are selectively formed to irradiate infrared rays toward the finger object.

A plurality of image sensors respectively photograph the fingerprint and finger vein of the irradiated finger.

In the second embodiment of the present invention, 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.

And, when the finger vein authentication using the side of the finger or in the design by changing the direction of the finger to stand at an angle of 90 degrees, the image sensor 231 is in the infrared side emitting part case 260 formed on the side of the object receiving portion 201 Built-in is installed, the finger vein of the object is photographed from the side toward the scan panel 250.

In addition, the fingerprint recognition module 250aa formed at the fingerprint finger contact portion 250a of the scan panel 250 provides a method of determining a fingerprint by only touching the fingerprint.

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.

As a second embodiment of the present invention, a user initiates finger vein authentication by placing a finger object on the scan panel 250, and when finger vein authentication is started by the device, the infrared

light source unit

240, 241 performs a finger finger. Irradiate infrared toward the object.

image sensors

230 and 231. The finger

vein image sensors

230 and 231 are installed in the object receiving unit 201 and photograph the finger vein of the object from the lower side and the side toward the scan panel 250. Also, at the same time, the fingerprint recognition module 250aa is installed in the same object receiving unit 201 to photograph the fingerprint of the object.

In a preferred embodiment of the present invention, the finger

vein image sensor

230, 231 and the fingerprint recognition module 250aa simultaneously photograph the finger vein and finger fingerprint of the finger and use both of them as biometric information so that one fingerprint or finger vein is used. In order to measure the error range, the error range can be reduced to one-th of the largest square than when photographed separately.

In a preferred embodiment of the present invention, the finger

vein image sensor

230, 231 and the finger fingerprint image sensor 220 can shoot the finger vein and finger fingerprint of one finger at a time, the finger vein and the finger fingerprint surface and By photographing horizontally or at an angle of 90 degrees, a fingerprint and finger vein image can be simultaneously acquired by a single finger, and the same error range can be reduced.

Figure 9 is a perspective view of a fingerprint and finger vein authentication unit installed in the smartphone according to an embodiment of the present invention, Figure 10 is a corner of the fingerprint and finger vein authentication unit installed in the smartphone according to an embodiment of the present invention Figure 11 is a perspective view, Figure 11 is a side cross-sectional view of the edge of the fingerprint and finger vein authentication unit of the smart phone according to an embodiment of the present invention, Figure 10 is a plurality of fingerprints of the smart phone according to an embodiment of the present invention And a perspective view of a corner where the finger vein authentication unit is installed.

As shown in the figure, a smart phone is usually divided into a main body upper portion 2001 and a main body lower portion 2002 in the smartphone body 2000, the present invention fingerprint and finger vein information at the lower end of the main body side portion 2400 An authentication device unit 2100 is obtained to obtain a fingerprint and finger vein authentication.

The authentication device unit 2100 for acquiring the fingerprint and finger vein information forms a space for authenticating the fingerprint and the finger vein at the bottom edge of the body side part 2400 of the smartphone, but at the bottom of the body side part 2400. A considerable authentication device portion space 2500 into which the fingerprint and finger vein authentication device portion 2100 can be inserted into a corner is formed in the upper and lower light form, and a side groove border 2200 is formed in the lower side of the side, and the upper side therein. A fingerprint recognition module 2310 is formed, and a finger photographing groove 2410 is formed on the lower side to place the finger f in a non-contact manner, so that it can be recognized at the same time.

The finger-tapping groove 2410, which is the empty space, may form a very thin finger rest glass plate to prevent the inflow of dirt and the like.

In this case, the image sensor may be operated by attaching an infrared filtering film to block visible light by utilizing the finger rest glass plate.

In addition, the finger rest glass plate may be manufactured to be formed at the front portion of the image sensor 2510a and the infrared emitting unit 2520a together with the infrared filtering film.

The fingerprint recognition module 2310 uses a contact recognition module, and a recognition circuit electrical unit 2320 is formed on the rear thereof.

Then, an empty finger shooting groove 2410 is formed at the lower side thereof so as to comfortably place the finger f.

In addition, an image sensor 2510a and an infrared ray emitter 2520a are formed side by side in the rear authentication apparatus part space 2500 of the empty finger-taking groove 2410, and a recognition circuit unit 2530 for controlling the empty finger-taking groove 2410 is formed. When the finger vein pattern is recognized, they are activated to send various control signals.

When the empty finger-taking groove 2410 is designed so that the image sensor 2510a and the infrared ray emitter 2520a are not damaged, the empty finger-taking groove 2410 may be in contact with the authentication apparatus part space 2500 in a non-contact manner according to the surrounding conditions. You may form.

Reference numerals 2410a and 2410b of the finger imaging groove 2410 denote first and second photographing regions, which represent virtual regions where the image sensor 2510a and the image sensor 2510b can be photographed.

In addition, in the case of the image sensor 2510a, the range of recognizing the finger vein is different according to its size, and when the finger is wider and the distance Ha is long, the finger can recognize a wide range of finger vein. If the distance is short, only a narrow range of finger vein pattern will be recognized, and in view of this, the design and design should be made in consideration of the relationship with the size of the smartphone's internal electrical component.

Therefore, the present inventors have made a window that can freely design the smart phone itself by shortening its depth, that is, the finger f and the distance Ha, in addition to the above embodiments.

That is, while forming the finger f and the distance Hb as another design for shortening the finger f and the distance Ha of the above-described embodiment, the image sensor 2510a and the infrared ray emitter ( 2520a), of course, by miniaturizing them and attaching another image sensor 2510b and an infrared ray emitter 2520b, the depth of the authentication device part space 2500 to be applied is shortened, thereby allowing the design of the entire length of the smartphone freely. He created the way to provide

In this case, the image sensor 2510a, the infrared ray emitter 2520a, and another image sensor 2510b and the infrared ray emitter 2520b may be formed under the image sensor, and the infrared emitter portion may be lowered. It may be formed on the side portion to irradiate the side of the finger (f) so that the finger vein pattern can be photographed.

In addition, as a result of structural studies with reference to the first and second photographing areas 2410a and 2410b represented by the virtual area, since the photographing part of the finger vein can be authenticated around the finger node, it is fused and miniaturized. The first compartment or the second compartment (the concept of miniaturization), or the first compartment or the third compartment (the concept of miniaturization and security scalability), so that only the person can know the finger vein part of the finger, By designating the second compartment or the third compartment (the concept of miniaturization and security scalability), it is possible to form only the selected portion as its secret finger vein portion.

The following describes another embodiment in which the fingerprint and finger vein authentication unit of the smartphone can be designed.

Figure 13 is a cross-sectional side view of the upper edge of the fingerprint and finger vein authentication unit of the smart phone according to an embodiment of the present invention, Figure 14 is a fingerprint and finger vein authentication device of the smartphone according to an embodiment of the present invention It is a rough perspective view of the front lower edge of a smart phone with an installation.

As another embodiment, as shown in FIG. 13, a normal smartphone is divided into a main body upper part 3001 and a main body lower part 3002 in the smartphone main body 3000, and the present invention provides a main body upper part 3400. An authentication device unit 3100 for obtaining fingerprint and finger vein information is formed at the right end of the fingerprint and finger vein authentication.

The authentication device unit 3100 for acquiring the fingerprint and finger vein information forms a space for authenticating the fingerprint and the finger vein at the right end corner of the upper body part 3400 of the smartphone, but the body side part 2400 At the bottom edge of the fingerprint and finger vein authentication unit 3100, a considerable authentication device unit space (3500) can be formed in the form of left side right light, and the side groove border (3200) is formed in the upper outer side to the left inside A fingerprint recognition module 3310 is formed at the right side, and a finger photographing groove 3410 is formed at the right side to put a finger in a non-contact manner and to recognize it at the same time.

In the empty finger-taking groove 3410, a very thin finger rest glass plate may be formed to prevent the inflow of dirt.

In addition, the finger rest glass plate may be manufactured to be formed at the front portion of the image sensor 3510a and the infrared emitter 3520a together with the infrared filtering film.

The fingerprint recognition module 3310 uses a contact recognition module, and a recognition circuit electrical unit 3320 is formed on the rear thereof.

Then, an empty finger shooting groove 3410 is formed on the lower side thereof so as to comfortably place the finger f.

In addition, an image sensor 3510a and an infrared ray emitter 3520a are formed side by side in the rear authentication apparatus part space 3500 of the empty finger imaging groove 3410, and a recognition circuit electrical part 3530 controlling the same is formed. When the finger vein pattern is recognized, they are activated to send various control signals.

When the empty finger shooting groove 3410 is designed to be free from damage to the image sensor 3510a and the infrared emitter 3520a, the empty finger shooting groove 3410 may be in contact with the authentication apparatus part space 3500 in a non-contact manner according to surrounding conditions. You may form.

As another embodiment, as shown in FIG. 14, a normal smartphone is divided into a main body upper part 4001 and a main body lower part 4002 in the smartphone main body 4000, and the present invention provides a main body side part 4400. An authentication device unit 4100 for acquiring fingerprint and finger vein information is formed at the lower front side of the right front, where fingerprint and finger vein authentication is performed.

The authentication device unit 4100 for acquiring the fingerprint and finger vein information forms a space for authenticating the fingerprint and the finger vein in front of the lower right front lower edge of the body side part 4400 of the smartphone, but the body side part ( In the lower edge of the 4400 to form a substantial authentication device part space (4500) to the front and the fingerprint and finger vein authentication device section 4100 in the form of upper and lower light, and the side groove border (4200) to the front outer The fingerprint recognition module 4310 is formed on the upper side thereof, and the finger photographing groove 4410 is formed on the lower side thereof, thereby placing the finger in a non-contact manner and simultaneously recognizing it.

The finger-tapping groove 4410, which is the empty space, may form a very thin finger support glass plate to prevent the inflow of dirt and the like, or may be installed by applying a cover to the surface using a front glass of a conventional smartphone.

In addition, the finger rest glass plate may be manufactured to be formed at the front portion of the image sensor 4510a and the infrared emitting unit 4520a together with the infrared filtering film.

The fingerprint recognition module 4310 uses a contact recognition module, and a recognition circuit electrical unit 4320 is formed on the back of the fingerprint recognition module 4310.

Then, an empty finger shooting groove 4410 is formed at the lower side thereof so as to place the finger comfortably.

In addition, an image sensor 4510a and an infrared ray emitter 4520a are formed side by side in the rear authentication apparatus part space 4500 of the empty finger-taking groove 4410, and a recognition circuit electronic component 4530 is formed to control them. When the finger vein pattern is recognized, they are activated to send various control signals.

When the empty finger shooting groove 4410 is designed so that the image sensor 4510a and the infrared emitting unit 4520a are not damaged, the empty finger shooting groove 4410 may be in contact with the authentication apparatus part space 4500 in a non-contact manner according to the surrounding conditions. You may form.

The following describes the procedures for registering, authenticating, and deleting fingerprints and finger veins in the reader or bank.

First, as shown in FIGS. 15 to 17, as a step of registering a fingerprint and a finger vein, the fingerprint and finger vein recognizer registers the request (S311).

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

Next, after the first registration in the fingerprint and finger vein recognizer, the fingerprint and the finger vein are secondly scanned by the finger of the person to be registered (S313).

Next, after the first registration in the fingerprint and finger vein recognizer, 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).

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

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

Next, as a step of authenticating the registration of the fingerprint and 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).

It is determined whether the image scanned by the fingerprint and the finger vein recognizer match (S324).

As described above, if the scanned images in the fingerprint and the finger vein recognizer do not all match, the operation is restarted, and if all match, the authentication is completed (S325).

Next, as a step of deleting the registration of the fingerprint and the finger vein, the deletion request is made in the fingerprint and the finger vein recognizer (S331).

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

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

When the image scanned by the fingerprint and finger vein recognizer is not deleted, the image is restarted, and when the image is deleted, authentication is completed (S334).

As described above, when operating in a method of registering, authenticating and deleting the fingerprint and finger vein in the self storage device or bank, the recognition of the fingerprint and finger vein is further increased, and the operation thereof is simplified.

18 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function using fingerprint1 authentication according to an embodiment of the present invention.

Referring to FIG. 18, in the financial transaction relay system 2 of the present invention, the customer terminal 200 accesses the financial transaction relay server 100 through the communication network 4 in step S150, and registers as a member in step S152. . At this time, the customer terminal 200 inputs personal information of the customer such as a name, ID, password, phone number, email address, and the like.

In step S154, the customer terminal 200 obtains the finger vein 1 information and the fingerprint 1 information through the finger vein 1 recognizer 210 and the fingerprint 1 recognizer 220, and the finger vein 1 information and the fingerprint 1 through the communication network 4. When the information is transmitted to the financial transaction relay server 100, the financial transaction relay server 100 registers the finger vein 1 information and the fingerprint 1 information corresponding to the customer terminal 200. At this time, the financial transaction relay server 100 stores the finger vein 1 information and fingerprint 1 information in the database.

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

As a result of the determination, if the two pieces of information match, the finger vein 1 is secondarily recognized in step S164, and it is determined whether or not the finger vein 1 information stored in the database matches in step S166.

As a result of the determination, if the two finger vein 1 information coincides, the procedure proceeds to step S168 to thirdly open the database of the financial transaction relay server 100 in the multiple safety lock module 110 through the middleware approval processing unit 120. In step S170, the financial transaction relay server 100 accesses the electronic financial transaction system 300 or the electronic commerce system 400 without authentication to process the financial transaction.

However, in each of steps S158 and S166, if the financial transaction relay server 100 does not match any of the finger vein 1 information and the fingerprint 1 information from the customer terminal 200, the process proceeds to step S172 to perform electronic financial transactions and e-commerce. Blocks the connection of the financial transaction relay server 100 to prevent processing.

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

FIG. 19 is a flowchart illustrating a process of differently inventing a processing procedure of a financial transaction relay system having a multiple security lock function for simultaneously scanning a fingerprint 1 and a finger vein 1 according to another embodiment of the present invention. . This embodiment is processed when the fingerprint 1 information and the finger vein 1 information are the same or similar, so that the user identification is difficult, and the primary user authentication is performed with the fingerprint 1 information, and when the user identification is difficult at the primary, 2 By the way, user authentication is processed using finger vein 1 information.

That is, referring to FIG. 19, the financial transaction relay system 2 of the present invention simultaneously designates the finger vein 1 and the fingerprint 1 from the finger vein 1 recognizer 210 and the fingerprint 1 recognizer 220 of the customer terminal 200 in step S180. Scan and provide the finger vein 1 information and fingerprint 1 information to the financial transaction relay server 100.

In step S182, the financial transaction relay server 100 recognizes the fingerprint 1 information and the finger vein 1 information, and determines in step S184 whether the fingerprint 1 information is unique compared to the fingerprint 1 information stored in the database.

As a result of the determination, if the fingerprint1 information is unique, this procedure proceeds to step S188. If the fingerprint1 information is not unique, that is, if the fingerprint1 information is the same or similar and the user identification is difficult, then the finger vein1 information is stored in the database in step S186. Compare with the finger vein 1 information to determine if it is unique.

If the determination result indicates that the finger vein 1 information is unique, the procedure goes to step S188 to process user authentication for firewall release and blocking.

In step S192, the firewall is released so that the multiple security lock module 110 may open the database of the financial transaction relay server 100 through the middleware approval processing unit 120, and then in step S194, the financial transaction relay server 100 may be authenticated. The electronic financial transaction system 300 or the electronic commerce system 400 is accessed to process the financial transaction.

However, if the user terminal 200 cannot authenticate the user by using the fingerprint 1 information and the finger vein 1 information in steps S186 and S190, respectively, the process proceeds to step S196 to prevent the financial transaction relay server from processing the electronic financial transaction and the electronic commerce. The connection of the 100 is cut off.

The following describes a technique to which the present invention is applied to a hybrid web.

20 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 hybrid web of the present invention, Figure 18 is a block diagram showing the configuration of a customer client shown in FIG. 19 is a flowchart illustrating a processing procedure of the electronic payment system according to the hybrid web of the present invention.

20 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.

Referring to FIG. 20, the electronic payment system 2 using the fingerprint or / and finger vein recognition of the present invention recognizes the fingerprint or / and finger vein so as to replace the credit card payment of the customer so that the payment is made. In the case of electronic payments such as credit cards, debit cards, check cards and bank transfers, the customer's identity is processed so that payment is made through fingerprint or / and finger vein authentication.

Fingerprint or / and finger vein payment service server 100 registers the fingerprint or / and finger vein information of the customer from the client client 200, fingerprint or / and finger vein to authenticate the fingerprint and / or finger vein information at the time of payment / And the finger vein payment hybrid web 110, through which the customer electronic 200, the merchant client 400 and the credit card company server 300 to process the mutual electronic payment is made through the communication network (10). .

The client client 200 is provided as a portable mobile terminal such as, for example, a smartphone or a tablet computer, and includes a fingerprint or / and a finger vein recognizer to register or authenticate a fingerprint or / or finger vein information of the client. 210. In this embodiment, the fingerprint or / and finger vein recognizer 210 is provided in the form of a module inside the customer client 200, it may be provided as a removable device detachable from the customer client 200. The client client 200 accesses the fingerprint or / and finger vein payment service server 100 through the communication network 10 to access the fingerprint or / and finger vein payment hybrid web 110.

In addition, the client client 200 activates a fingerprint or / and finger vein payment app (202 of FIG. 12) to scan his fingerprint or / and finger vein information through the fingerprint or / and finger vein recognizer 210, Providing the scanned fingerprint and / or finger vein information to the fingerprint or / and finger vein payment service server 100 through the communication network 10 to be replaced by the customer's own credit card, for example, a virtual payment credit card, Register by matching with a virtual payment account. Of course, the fingerprint or / and finger vein information of the customer client 200 registered in the fingerprint or / and finger vein payment service server 100 is the identification of the issued credit card, debit card, check card and transaction account information of the customer And for confirmation.

Specifically, FIG. 21 is a block diagram showing the configuration of the customer client shown in FIG.

Referring to FIG. 21, the customer client 200 of this embodiment is equipped with a smartphone and connects to the fingerprint or / and finger vein payment hybrid web 202. The fingerprint or / and finger vein payment hybrid web 202 may access the fingerprint or / and finger vein payment service server 100 through a communication network.

The smartphone 200 activates the fingerprint or / and finger vein payment app 202 to register the fingerprint or / and finger vein information of the customer on the fingerprint or / and finger vein payment service server 100. To this end, the smartphone 200 is attached to the fingerprint or / and finger vein recognizer (210). This removes the financial burden of the customer purchasing the fingerprint or / and the finger vein recognizer 210, and actively encourages the use of the fingerprint or / and the finger vein payment hybrid web 202. And providing a fingerprint or / and finger vein recognizer 210 at a commerce site by a service company, a merchant, or a credit card company of the finger vein payment service server 100 to register and use a payment method using a fingerprint or / and finger vein. , Mounted on the smartphone 200, is provided in a detachable form.

22 is a flowchart showing the processing procedure of the electronic payment system according to the present invention. This procedure is a program processed by the fingerprint or / and finger vein payment service server 100 according to the present invention, the program is linked to the fingerprint or / and finger vein payment hybrid web, fingerprint or / and finger vein payment service It is stored in a storage unit (not shown) of the server 100 and installed in the customer client 200. The fingerprint or / and finger vein payment hybrid web 110 is processed by the customer client 200, merchant client 400, credit card company server 300 and the fingerprint or / and finger vein payment service server 100 is interconnected do.

Referring to FIG. 22, the electronic payment system 2 of the present invention provides the fingerprint or / and finger vein payment hybrid web 110 to the fingerprint or / and finger vein payment service server 100 in step S150. In step S152, the client client 200 is connected to the fingerprint or / and finger vein payment service server 100 through the communication network 10, and is connected to the fingerprint or / and finger vein payment hybrid web 110.

In step S154, the client client 200 activates the installed fingerprint or / and finger vein payment hybrid web 202 and acquires his or her own fingerprint or / and finger vein information through the fingerprint or / and finger vein recognizer 210. Then, the obtained fingerprint or / and finger vein information is provided to the fingerprint or / and finger vein payment service server 100 through the communication network (10). In operation S156, the fingerprint or / and finger vein payment service server 100 stores and registers the fingerprint or / and finger vein information provided from the client client 200 in the database 120. At this time, the fingerprint or / and finger vein payment service server 100 transmits the fingerprint or / and finger vein information to the credit card company server 300 through the communication network (10).

The following describes a module implementing the above embodiment.

FIG. 23 is a diagram illustrating an input / output integrated module for interlocking a fingerprint and a finger vein algorithm.

As shown in FIG. 23, an input / output integrated module U1 for simultaneously interlocking a fingerprint and a finger vein algorithm is composed of a fingerprint module U2, a finger vein module U3, and a conversion module U4.

First, the fingerprint module U2 will be described.

The GND line 1 of the fingerprint module U2 serves as a reference for the (-) voltage circuit, and has a 0V grounding function, and 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. When a fingerprint is scanned and compared with a pre-stored image, if there is a person with the same fingerprint image, the registered authentication code of the person is output through serial communication (here, 232 communication is applied as an embodiment).

Here, 232 communication refers to serial communication standard.

Next, the finger vein module U3 will be described.

The GND line 1 of the finger vein module U3 serves as a reference for the (-) voltage, and functions as a 0V grounding, and 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

Here, 485 communication refers to serial communication standard.

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

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, and 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, and 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.

In addition, 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, and 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).

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

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, and 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. As a voltage reference, 0V grounding function, 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.

int getfingerauthorization (int fingerprintcode, int fingerveincode)

{

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

{

return fingerprintcode;

}

return 0;

}

The algorithm receives the fingerprint authentication code and the finger vein authentication code from the integrated module (U1) is an algorithm that allows the authentication code only if the fingerprint and the low vein of the same person.

The more detail is as follows.

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.

Search for the finger vein in the finger vein module (U3) and outputs the code number of the person if there is a person matching the finger vein.

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.

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

This technology can be applied by developing the technology that can be miniaturized to the mobile that we use the most, and it is equivalent to the cost of fingerprint reader, so it can be used for the equipment that needs security universally. It is a condition.

In the above, the configuration and operation of the electronic payment system using the fingerprint or / and finger vein recognition in accordance with the present invention has been shown according to the detailed description and drawings, but this is only described by way of example, and do not depart from the spirit of the present invention. Many variations and modifications are possible without departing from the scope of the invention.

Claims

In electronic payment system using fingerprint and finger vein recognition:

Communication network;

A client client connected to the communication network and acquiring first fingerprint and finger vein information of the client;

An affiliated client connected to the communication network and obtaining second fingerprint and finger vein information of the client of the client client when a commerce occurs;

Receiving and registering the first fingerprint and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint and finger vein information is transmitted from the merchant client, the first fingerprint and finger vein information and Comprising 2 fingerprint and finger vein information, and the authentication service, and a payment service server for processing so that payment is made through the payment means corresponding to the first fingerprint and finger vein information,

The authentication device unit 2100 for acquiring the first and second fingerprints and finger vein information includes an authentication device part space into which the fingerprint and finger vein authentication device 2100 can enter the lower edge of the smartphone body side part 2400. 2500 is formed in the upper and lower light form, a fingerprint recognition module 2310 is formed on the upper portion of the authentication device unit 2100, and an empty finger photographing groove 2410 is formed on the lower portion to raise the finger f. It is possible to put, but the authentication device portion 2500 is characterized in that the image sensor 2510a and the infrared emitter 2520a and the recognition circuit for controlling it formed so as to shoot toward the finger f, characterized in that formed Electronic payment system using fingerprint and finger vein recognition embedded in smartphone edge
In electronic payment system using fingerprint and finger vein recognition:

Communication network;

A client client connected to the communication network and acquiring first fingerprint and finger vein information of the client;

An affiliated client connected to the communication network and obtaining second fingerprint and finger vein information of the client of the client client when a commerce occurs;

Receiving and registering the first fingerprint and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint and finger vein information is transmitted from the merchant client, the first fingerprint and finger vein information and Comprising 2 fingerprint and finger vein information, and the authentication service, and a payment service server for processing so that payment is made through the payment means corresponding to the first fingerprint and finger vein information,

The authentication device unit 3100 for acquiring the first and second fingerprint and finger vein information includes an authentication device unit in which the fingerprint and finger vein authentication device unit 3100 enters the right end corner of the upper body part 3400 of the smartphone body. The space 3500 may be formed in a left side right light shape, and a fingerprint recognition module 3310 may be formed on the left side of the authentication device unit 3100, and an empty finger shooting groove 3410 may be formed on the right side to place a finger. In the authentication device part space 3500, the image sensor 3510a and the infrared emitter 3520a for photographing toward the finger, and the integrated circuit edge for controlling the same are formed. Payment system using fingerprint and finger vein recognition
In electronic payment system using fingerprint and finger vein recognition:

Communication network;

A client client connected to the communication network and acquiring first fingerprint and finger vein information of the client;

An affiliated client connected to the communication network and obtaining second fingerprint and finger vein information of the client of the client client when a commerce occurs;

Receiving and registering the first fingerprint and finger vein information from the client client through the communication network corresponding to the payment means, and if the second fingerprint and finger vein information is transmitted from the merchant client, the first fingerprint and finger vein information and Comprising 2 fingerprint and finger vein information, and the authentication service, and a payment service server for processing so that payment is made through the payment means corresponding to the first fingerprint and finger vein information,

The authentication device unit 4100 for acquiring the first and second fingerprints and the finger vein information is an authentication that the fingerprint and the finger vein authentication device unit 4100 enters from the front lower right corner of the smartphone main body side part 4400. The device unit space 4500 is formed in the upper and lower light form, and a fingerprint recognition module 4310 is formed at an upper side of the authentication apparatus unit 4100, and an empty finger photographing groove 4410 is formed at a lower side thereof. Smartphone, characterized in that the image device 4510a and the infrared emitter 4520a and the recognition circuit control unit for controlling the image sensor 4510a to be photographed toward the finger in the authentication device unit space (4500) Electronic payment system using fingerprint and finger vein recognition embedded in edge
The method according to any one of claims 1 to 3,

The electronic payment system;

If the payment means is a means corresponding to a credit card, the fingerprint and designation embedded in the edge of the smartphone further comprises a credit card company server for processing the approval to be made from the payment means when the customer is authenticated Electronic payment system using Mac recognition
The method according to any one of claims 1 to 3,

The image sensor and the infrared ray transmitting unit are formed in a plurality in the space portion, the electronic payment system using the fingerprint and finger vein recognition embedded in the edge of the smart phone, characterized in that to reduce the distance of the space of the authentication device portion
The method according to any one of claims 1 to 3,

The integrated module (U1) for authenticating the fingerprint and finger vein at the same time comprises a fingerprint module (U2), finger vein module (U3) and the conversion module (U4), GND line 1 of the fingerprint module (U2) is ( Voltage circuit, RX line 2 is serial data receiving port, TX line 3 is serial data transmitting port, VCC line 4 is positive voltage reference of power circuit, and they scan fingerprint in image sensor. If there is a person with the same fingerprint image compared with the pre-stored image, the registered authentication code of the person is output through 232 communication, and the GND 1 line of the finger vein module U3 is a reference of the negative voltage. Line A 2 is the serial communication standard RS485 communication A port, Line B 3 is the serial communication standard RS485 communication B port, line VCC 4 is the positive voltage reference of the power supply circuit, and the left side of the conversion module U4. GND line 1 of the reference is the (-) voltage reference, A line 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, and the right side of the conversion module U4 interworking with the finger vein module U3. DI line 5 is serial 232 communication receiving port, RE line 6 is 485 communication control port, DE line 7 is 485 communication control port, and RO line 8 is serial 232 communication receiving port. U1), the fingerprint authentication code output from the fingerprint module (U2) and the finger vein authentication code output from the finger vein module (U3) received from the integrated module (U1) fingerprint and finger vein authentication code Electronic payment system using a fingerprint and finger vein recognition built in the edge of the smartphone, characterized in that the output of the corresponding authentication code by USB when any one of them match each other
In the processing method of electronic payment system using fingerprint and finger vein recognition:

Providing a hybrid web for fingerprint and finger vein payment to a fingerprint and finger vein payment service server of the electronic payment system, and a client client accessing the fingerprint and finger vein payment service server through a communication network;

Activates the hybrid web for fingerprint and finger vein payment in which the client client is installed, obtains the first fingerprint and finger vein information of the customer through an authentication device for acquiring first fingerprint and finger vein information of the client client, Providing the obtained first fingerprint and finger vein information to the fingerprint and finger vein payment service server through the communication network;

The fingerprint and finger vein payment service server storing and registering the first fingerprint and finger vein information provided from the customer client in a database, and transmitting the first fingerprint and finger vein information to the credit card company server through the communication network;

Registering, by the credit card company server, by matching the first fingerprint and finger vein information transmitted from the fingerprint and finger vein payment service server with a payment means of a registered customer;

Recognition of the second fingerprint and finger vein information of the customer from the authentication device unit that obtains the second fingerprint and finger vein information of the merchant client connected to the communication network is generated at the merchant, the second fingerprint and finger vein information and commerce occurs Requesting payment approval by transmitting the payment information according to the fingerprint and finger vein payment service server;

Determining, by the fingerprint and finger vein payment service server, customer authentication by comparing and analyzing second fingerprint and finger vein information transmitted from the affiliated store client with first fingerprint and finger vein information registered in the database;

As a result of the determination, when the registered first fingerprint and finger vein information and the second fingerprint and finger vein information match, the fingerprint and finger vein payment service server makes a payment by the customer's payment means matching the first fingerprint and finger vein information. Including a request for payment authorization to the credit card company server to be made,

The authentication device unit 2100 for acquiring the first and second fingerprint and finger vein information has an authentication device part space into which the fingerprint and finger vein authentication device 2100 can enter the lower edge of the smartphone body side part 2400. (2500) is formed in the upper and lower light form, the fingerprint recognition module 2310 is formed on the upper side of the authentication device unit 2100, and the empty finger shooting groove 2410 is formed on the lower side to form the finger f. It can be placed, but the authentication device portion 2500 is characterized in that the image sensor 2510a and the infrared emitter (2520a) and the recognition circuit for controlling it formed so as to shoot toward the finger (f) is formed. Electronic payment method using fingerprint and finger vein recognition embedded in smartphone edge