KR20030021054A - Method for financial credit services by finger print for identifying user - Google Patents

Abstract

PURPOSE: A method for a financial transaction using fingerprint information and a system thereof are provided to implement a financial transaction freely using an ID and fingerprint information of a user without using a credit card or a debit card. CONSTITUTION: A user inputs an ID and transmits the ID to a credit card company main server through a credit transaction terminal mounted in a member store(S200). It is checked whether the ID is a registered in a member DB(S211). It is checked whether the user having the ID loses one's confidence(S212). The credit card company main server requests an input of a transaction wanted amount of money to the credit transaction terminal(S300). A credit transaction possible amount of money of the user is compared with the transaction wanted amount of money(S400). If a transaction condition is satisfied, the credit card company main server requests an input of fingerprint information of the user to the credit transaction terminal(S500). A registered fingerprint information is read and compared with the inputted fingerprint information(S600). If the registered fingerprint information is identified with the inputted fingerprint information, a financial transaction is approved(S700).

Description

Financial transaction method and system using fingerprint information {Method for financial credit services by finger print for identifying user}

The present invention relates to a financial transaction method and a system using fingerprint information that enables a financial transaction using a credit purchase, Internet banking, or ATM machine without a credit card only.

A credit card is used instead of cash when a cardholder purchases an item or service, and the amount used is the basis of a credit purchase form in which payment is made through a payment account linked to the card at a designated date. In addition, the debit card holder may execute a cash purchase on an item or the like when a balance remains in the payment account of the debit card. In addition, a cash card holder can withdraw cash or checks using an automated device of a bank. Therefore, for the use of a credit card, it is very important to confirm whether the user of the card is the true owner. The most common and traditional way of verifying the authenticity of a user, such as a credit card, is to visually verify the signature by signing the cardholder's signature in the signature field of the card and signing the account slip each time it is used.

However, there is a limit to verifying the authenticity of a card user only by signing such a credit card.

In order to solve this problem, as a countermeasure against fraudulent use of credit cards and debit cards, a method of printing a picture of a cardholder on the surface of a card or requiring a user to input a password every time a card is used has been adopted.

In any of the above cases, the illegal use of credit or debit cards, such as theft, loss, or hacking, from the time of the accident until the cardholder confirms this fact and the request for the prohibition of the use of the card is prohibited. Unless special attention is paid to the affiliates, it is difficult to eradicate them, and in order to compensate for such damages, credit card companies have signed up for payment insurance through a business alliance with an insurance company to share huge costs.

As another countermeasure to prevent fraudulent use of credit cards and debit cards, fingerprint information may be entered instead of the password of a credit card user as in Korean Patent Laid-Open No. 2001-0025234 (published April 6, 2001). There is also a method of verifying the user's identity by inputting it. However, since such a method requires that the user possess a card, it is true that the user is restricted from free use, and whether the fingerprint information stored in the credit card matches the user's fingerprint information. It is true that there is a high probability that a credit card tampering (copying or modifying stored fingerprint information) will occur.

The present invention has been made to solve the problems of the conventional payment method and the problems caused by the loss of credit card, as described above, freely with only the user's ID and fingerprint information without using a credit or debit card It is an object of the present invention to provide a method and system for implementing the transaction. It is also an object of the present invention to provide a financial transaction method which is fundamentally impossible to use illegally, such as duplication, forgery, and tampering.

Such a financial transaction method of the present invention, after registering the member's personal information and ID and the fingerprint of the member to open a credit account, and through the credit transaction terminal installed in the merchant ID and fingerprint information of the desired member to purchase credit By inputting and comparing the fingerprint information with the ID registered on the main server 10 of the credit financial company (a concept similar to the current credit card company, hereinafter referred to as a 'credit card company'), it determines that it is a valid trader It may be implemented by the step of approving the transaction.

1 is a flow chart showing a financial transaction method according to the present invention

2 is a conceptual diagram of a system for financial transactions according to the present invention;

<Description of the symbols for the main parts of the drawings>

10: main server 11: member DB

12: bad trader information DB20: financial institution server

30: credit terminal 31: input unit

32: fingerprint recognition unit 33: status display unit

34: switching unit 40: communication system

50: VAN system 60: Web server

Hereinafter, described in detail by the accompanying drawings of the present invention.

In order to use the financial transaction method using the fingerprint information according to the present invention, since it is available only to members who have opened their credit account by registering their personal information, ID and fingerprint in advance, they must go through the member registration step (S100). . Member wishes to register their personal information, transaction ID and their fingerprint information in the member DB (11), the system according to the present invention is a member ID is managed in a unique code (unique code), all information Member ID must be unique because it is indexed by ID, and must go through ID duplicate check step (S110) to check whether the same ID is already registered, and if the same ID is already registered, subscribe for the ID. Is disallowed. In addition, the information about the new member registration is through the member DB (11) through the determination step (S120) whether or not the corresponding member is a credit defector through the query on the bad trader information DB (12) in the credit card company main server (10). Is registered in step (S100). If the ID duplication check step (S110) or the determination step (S120) does not meet the requirements, the member registration process is terminated and the facts and the corresponding reason codes are displayed to disapprove the member registration (S801). (S802).

Hereinafter, the credit transaction step using the fingerprint information according to the first embodiment of the present invention will be described on the assumption that the member registration step (S100) is completed.

In the credit transaction step according to the present invention, an ID verification request step (S200) in which a user whose member registration is completed, inputs his ID through a credit transaction terminal 30 installed at an affiliate store and transmits it to the credit card company main server 10. ;

Member status checking step (S211) for checking whether the ID received from the terminal 30 is the ID registered in the member DB (11), and credit status check for confirming whether or not the credit information for the member information corresponding to the ID ID identification step S210 of step S212;

If it does not meet the requirements among the checking steps (S211) (S212), the process is terminated and each transaction disapproval step (S811) (S812) of transmitting the fact and the corresponding reason code to the terminal (30). Wow;

A credit transaction request step S300 for requesting input of a transaction desired amount from the credit card company main server 10 to the terminal 30 when all of the requirements of the verification steps S211 and S212 are satisfied;

A settlement possibility determination step (S400) of comparing a creditable amount of a member corresponding to the ID which has passed through the ID verification step (S210) and a transaction desired amount received to determine whether or not it corresponds to a designated condition;

A transaction disapproval step (S840) of terminating all processes and transmitting the facts and the reason code corresponding thereto to the terminal (30) if the requirements of the determination step (S400) are not met;

An identity authentication request step (S500) of requesting input of fingerprint information of the corresponding ID user from the credit card company main server 10 to the terminal 30 when the determination step (S400) is satisfied;

Whether or not to read the fingerprint information assigned to the ID through the ID verification step (S210) registered in the member DB (11) and compare the fingerprint information received through the identity verification request step (S500) to determine whether there is a match. Confirmation step (S600);

If the 'fingerprint information received' and the 'fingerprint information registered in the member DB' do not match in the identity verification step (S600), the process is terminated, and the fact and a corresponding reason code are transmitted to the terminal 30. Transaction disapproval step (S860);

If the two data match in the identity verification step (S600), the approval step (S700) for approving the financial transaction; characterized in that consisting of, this process flow diagram is shown in FIG.

In the present invention, the ID checks in a preliminary step whether or not the user is not registered, so that subsequent steps do not proceed unnecessarily, and also serves as an indexing code of the registered fingerprint information to the member DB 11. Minimize the time required to index the fingerprint information from a large number of registered fingerprint information. Therefore, the member ID in the present invention may be exposed to another person, and even if the ID is stolen by a fraudster, since the input fingerprint information is different from the fingerprint information registered in the member DB 11, a credit transaction or a financial transaction may be performed. It will not be done.

In particular, the financial transaction method according to the present invention includes the prior art (the above-mentioned Korean Patent Publication No. 2001-0025234) for comparing and judging fingerprint information stored in a card and fingerprint information of a user input to a terminal in the local system itself. In contrast, since the fingerprint information of the user input through the terminal is transmitted to the central main server 10, the fingerprint information registered in the member DB 11 in the main server 10 is compared and judged. There is an advantage to higher reliability. However, in the present invention, a decrease in the processing speed due to the transmission of a large amount of fingerprint information to the main server 10 by using a communication network may be concerned, but this problem is dependent on data compression technology and communication technology. There is no doubt that the financial transaction method can be implemented.

2 is a conceptual diagram of a system according to the present invention, wherein a financial transaction system using fingerprint information includes a main server 10 of a credit card company; A financial institution server 20 connected to the main server 10 of the credit card company and exchanging financial information of the member, and performing financial transactions at the request of the main server 10; A credit transaction terminal 30 which is stored in a financial transaction merchant using fingerprint information and transmits and receives data to and from the main server 10 of the credit card company; It is composed of a known communication system 40 for transmitting and receiving data between the main server 10 and the terminal 30.

The main server 10 of the credit card company includes a member DB 11 for storing and managing personal information, ID and fingerprint information data of a financial transaction applicant using fingerprint information, and a credit transaction terminal 30 installed at a merchant. VAN for comparison operation device (not shown) comparing the received ID and fingerprint information with the ID and fingerprint information stored and managed in the member DB 11 and the financial card bad trader information registered in the financial computer network server 20. Compression and encryption / decryption module for the security of the data transmitted and received between the system for receiving and transmitting through the system 50, the bad trader information DB 12, the main server 10 and the terminal 30 of the credit card company And its own communication module using a communication protocol such as ODBC or TCP / IT.

In addition, the affiliated credit terminal 30, the input unit 31 for inputting the ID and the transaction amount, the fingerprint recognition unit 32, the status display unit 33 to display the processing status and the transmission start or cancellation It is composed of a switching unit 34 for selecting a function such as, etc., the encryption / decryption module for security of data transmitted and received between the main server 10 and the terminal 30 of the credit card company and ODBC or TCP / IT It has its own communication module using communication protocol.

Referring to the operation of the financial transaction system according to the present invention configured as described above are as follows.

First, a person who wants to use a financial transaction system using fingerprint information applies for a new registration to use a financial transaction system using fingerprint information at a credit card company (bank) (S100). Member wishing to register his or her personal information, transaction ID and your fingerprint information in the member DB (11), the member ID must be unique, if the same ID is already registered (S110) registration is not allowed (S801). These new member registration information is transmitted to the main credit card company server 10, where it is determined whether or not the member registration through the bad trader information DB (12) query, etc. (S120).

If there is no problem with the new member registration on the credit card company main server 10 side, the member information is registered in the member DB 11, and the member ID is registered with a valid code. Since the financial transaction system according to the present invention stores and manages various personal information and fingerprint information based on a member ID that is a unique code, the main server 10 checks whether the ID is duplicated. It must include the step (S110) to be essential.

The service usage method of the registered member is made as follows.

First, when a credit transaction is desired in a financial transaction affiliated store according to the present invention, when a member ID is inputted to a terminal 30 of an affiliated store (ID verification request step S200), the input information is the main credit card company server 10. The main server 10 checks whether the received ID is an ID registered in the member DB 11 (S211).

After confirming whether the corresponding ID is registered in the member DB 11 (S211), the credit information of the member corresponding to the corresponding ID is queried (S212). The credit information query is connected to the financial institution server 20 through the VAN system 50, retrieves the credit information of the member and stores it in the bad trader information DB 12, and whether the member of the ID is prohibited from credit transactions. Or you will go through the process of checking whether or not you meet the credit requirement.

If there is no abnormality in the normal registration ID and the credit status of the member, the main server 10 receives the input of the transaction desired amount from the terminal 30 (credit transaction request step, S300), this amount is the corresponding ID The process of determining whether or not to deviate from the allowable balance limit assigned to the member of (S400).

When the above conditions are satisfied, the main server 10 receives the user's fingerprint through the fingerprint input unit 32 of the terminal 30 (S500), and assigns and registers the ID from the member DB 11 to the corresponding ID. The fingerprint information is read and compared with the received fingerprint information is performed (identification of identity, step S600). If the two fingerprints match, the transaction is approved (S700). If the two fingerprints do not match, the transaction is notified (S860).

According to the present invention, all the credit transactions of the individual are possible only with their ID and fingerprint information anywhere without a credit card.

The financial transaction method according to the present invention can also be applied to financial transactions such as cash payment or deposit, account transfer using an automatic teller machine or automatic teller's machine.

That is, according to the second embodiment of the present invention, a financial institution server connected to the main server 10 of the credit card company, exchanging financial information of the member, and performing a financial transaction at the request of the main server 10 ( 20); By further comprising an ATM 25 connected to the financial institution server 20 and the credit card company main server 10 to receive a member's financial transaction request and fingerprint information, the automatic teller machine or automatic financial transaction Financial transactions such as cash payment, deposit, and account transfer can be implemented using a terminal (Automatic Teller's Machine).

To this end, the ATM 25 according to the present invention is provided with fingerprint recognition means 32a for receiving fingerprint information of a user.

The financial transaction method according to the present invention can also be applied to financial transactions such as Internet banking using a PC.

That is, as a third embodiment of the present invention, the user PC equipped with the fingerprint recognition means 32b is provided in the main server 10 of the credit card company of the financial transaction system using the fingerprint information of the present invention to support internet banking or PC banking. 30b and a web server 60 for connecting the user's PC to the credit card company's main server 10 over the Internet, the Internet banking or PC banking service in the case of a member of the credit card company's main server 10; Will be possible.

That is, when a registered member wants to execute a financial transaction over the Internet or a financial transaction using an ATM, his or her ID through an input unit (including a keyboard) provided in the user's PC 30b or the ATM 25. If the input (S200b), the input ID is transmitted to the credit card company main server 10 through the Internet network including the web server 60 or through the VAN system 50. The main server 10 checks whether the received ID is an ID registered in the member DB 11 (S211b); Access to the financial institution server 20 through the VAN system 50 to search the credit information of the corresponding member to determine whether or not the bad credit for the member information corresponding to the ID (S212b) whether or not the normal registration ID Check the credit status of the member and the member.

If there is no abnormality in the normal registration ID and the credit status of the member, the main server 10 is a financial transaction items such as the type, amount, account number, etc. of the desired financial transaction from the user PC (30b) or ATM (25) Receiving the input (financial transaction request step, S300b), check whether the amount does not exceed the allowable balance limit assigned to the member of the ID (S400b) or the information entered in the financial transaction request step of the financial institution server ( 20) to check whether the information entered in the financial transaction request step is appropriate (S410).

When the above conditions are normally completed, the main server 10 receives the user's fingerprint through the fingerprint input unit 32 of the user PC 30b or the ATM 25 (S500b), the member DB 11 ) To read the fingerprint information specified and registered in the corresponding ID and to compare with the received fingerprint information (identification of identity, S600b). If the two fingerprint information match, the financial institution server 20 requests the approval and processing of the input financial transaction (S700b). If the two fingerprint information does not match, the series of transactions is terminated by notifying the transaction impossibility (S860b).

In an embodiment of the present invention, the terminal 30 or the ATM 25 shares a printer (not shown) like a card reader or ATM that is commonly used, thereby enabling the output of a credit slip. Furthermore, the terminal 30 and the ATM 25 of the present invention may be configured to be used in combination with an existing credit card reader or ATM.

Although the detailed description of the present invention has been described as specific embodiments, it is a matter of course that modifications or changes in various forms are also included in the concept of the present invention without departing from the concept of the present invention.

As described above, the present invention can prevent a third party's fraudulent use by forgery of signature in the transaction of financial card such as credit card and debit card, and in particular, the loss of the financial card, theft accident or malicious card information In relation to hacking or the like, there is an effect that the fraudulent acquirer can use the card to impersonate himself.

In particular, the present invention can be used for all credit transactions as well as financial transactions of individuals by simply entering their ID and fingerprint information anywhere, without a credit card, credit or financial transactions with a new concept of secure security regardless of whether or not their identity is leaked Here's how.

Claims (4)

In a financial transaction method including the credit status and the identity verification process, ID duplication check step (S110) of checking whether duplicate transaction desired ID is registered among new registration target information such as personal information, transaction ID and fingerprint information, and bad transaction information DB ( 12) If the inquiry does not meet the requirements in the determination step (S120) and whether the ID duplication check step (S110) or the determination step (S120) of whether the member applicant is a credit failure or not, the member registration process is performed. Member registration step (S100) comprising the step of disabling each member registration by ending and displaying the fact and the reason code corresponding thereto; A user ID registration request step (S200) of transmitting a user's ID to the credit card company main server 10 through the credit transaction terminal 30 installed in the affiliated store; Member status checking step (S211) for checking whether the ID received from the terminal 30 is the ID registered in the member DB (11), and credit status check for confirming whether or not the credit information for the member information corresponding to the ID ID identification step S210 of step S212; If it does not meet the requirements among the checking steps (S211) (S212), the process is terminated and each transaction disapproval step (S811) (S812) of transmitting the fact and the corresponding reason code to the terminal (30). Wow; A credit transaction request step S300 for requesting input of a transaction desired amount from the credit card company main server 10 to the terminal 30 when all of the requirements of the verification steps S211 and S212 are satisfied; A settlement possibility determination step (S400) of comparing a creditable amount of a member corresponding to the ID which has passed through the ID verification step (S210) and a transaction desired amount received to determine whether or not it corresponds to a designated condition; A transaction disapproval step (S840) of terminating all processes and transmitting the facts and the reason code corresponding thereto to the terminal (30) if the requirements of the determination step (S400) are not met; An identity authentication request step (S500) of requesting input of fingerprint information of the corresponding ID user from the credit card company main server 10 to the terminal 30 when the determination step (S400) is satisfied; Whether or not to read the registered fingerprint information of the member DB 11 corresponding to the ID that passed through the ID verification step (S210) and compare the fingerprint information received through the identity verification request step (S500) to determine whether the identity is matched. Confirmation step (S600); If the 'fingerprint information received' and the 'fingerprint information registered in the member DB' do not match in the identity verification step (S600), the process is terminated, and the fact and a corresponding reason code are transmitted to the terminal 30. Transaction disapproval step (S860); The financial transaction method using the fingerprint information, characterized in that consisting of; if the identity check step (S600), if the two data match the approval step (S700) for approving the financial transaction. In a financial transaction method including the credit status and the identity verification process, ID duplication check step (S110) of checking whether duplicate transaction desired ID is registered among new registration target information such as personal information, transaction ID and fingerprint information, and bad transaction information DB ( 12) If the inquiry does not meet the requirements in the determination step (S120) and whether the ID duplication check step (S110) or the determination step (S120) of whether the member applicant is a credit failure or not, the member registration process is performed. Member registration step (S100) comprising the step of disabling each member registration by ending and displaying the fact and the reason code corresponding thereto; ID confirmation request step (S200b) of the user registration is completed, the user inputs his ID through the ATM machine 25 to the credit card company main server 10; Member status checking step (S211b) for checking whether the ID received from the ATM 25 is an ID registered in the member DB (11), and a credit status for confirming whether or not there is a credit defect with respect to the member information corresponding to the ID. ID confirmation step (S210b) comprising a confirmation step (S212b); If the corresponding steps are not met among the checking steps S211b and S212b, the processing is terminated, and each transaction disapproval step S811b for transmitting the fact and the corresponding reason code to the ATM 25 (S811b) (S812b). )Wow; If all the requirements of the verification steps (S211b) (S212b) are satisfied, input the financial transaction items such as the type, amount, account number, etc. of the desired financial transaction for the ATM (25) from the credit card company main server (10) A financial transaction request step (S300b) for requesting; The financial institution server 20 checks the information input in the checking step (S400b) or the corresponding financial transaction request step (S300b) of whether or not to go out of the allowable balance limit assigned to the member corresponding to the ID having passed through the ID checking step (S210b). Determining whether the information input in the corresponding financial transaction request step (S300b) is appropriate (S410); If it does not meet the requirements of the checking step (S400b) or determination step (S410) and terminates all processes and the transaction disapproval step (S840b) for transmitting the fact and the corresponding reason code to the ATM (25) and ; If the verification step (S400b) or the determination step (S410) of meeting the requirements of the personal authentication request step of requesting the input of the fingerprint information of the ID user to the ATM (25) from the credit card company main server 10 ( S500b); Whether or not to read the registered fingerprint information of the member DB 11 corresponding to the ID that has passed through the ID verification step (S210b), and compares the fingerprint information received through the identity verification request step (S500b) to determine whether or not it matches. Confirmation step (S600b); If the 'fingerprint information received' and the 'fingerprint information registered in the member DB' do not match in the identity verification step (S600b), the process is terminated, and the fact and a corresponding reason code are transmitted to the ATM 25. Transaction disapproval step (S860b) and; The financial transaction method using fingerprint information, characterized in that consisting of; if the identity check step (S600b) and the two data match the approval step (S700b) for approving the financial transaction. In a financial transaction system that includes your credit status and identity verification process, Member DB (11) for storing and managing the personal information, ID and fingerprint information data of the financial transaction applicant using the fingerprint information, the ID and fingerprint information received from the credit transaction terminal installed in the merchant and the member DB (11) Comparing operation device (not shown) for comparing the stored and managed ID and fingerprint information, and the bad trader information DB for receiving and storing the financial card bad trader information registered in the financial computer network server 20 through the VAN system 50 It consists of 12, the credit card company's main server 10 and the terminal 30, the compression and encryption / decryption module for the security of the data transmitted and received between each other and its own communication using a communication protocol such as ODBC or TCP / IT A main server 10 of the credit card company in which the module is embedded; A financial institution server 20 connected to the main server 10 of the credit card company by the VAN system 50 to exchange financial information of a member and perform financial transactions; It consists of an input unit 31 for inputting an ID and a transaction amount, a fingerprint recognition unit 32, a status display unit 33 for displaying processing status, and a switching unit 34 for selecting functions such as starting or canceling transmission. And an encryption / decryption module for security of data transmitted and received between the main server 10 and the terminal 30 of the credit card company and its own communication module using a communication protocol such as ODBC or TCP / IT, and fingerprint information. A credit transaction terminal 30 which is provided in a financial transaction merchant using and transmits and receives data with the main server 10 of the credit card company; The financial transaction system using fingerprint information, characterized in that the main server 10 and the terminal 30 comprises a known communication system for transmitting and receiving data between each other. According to claim 3, Fingerprint recognition means (32a) for receiving the user's fingerprint information is provided, connected to the financial institution server 20 and the credit card company main server 10 to receive the financial transaction request and fingerprint information of the member Financial transaction system using the fingerprint information, characterized in that it further comprises an ATM machine 25 receiving the input.