KR100557872B1 - Method for judgement for the debtor himself using voice certification method in telephone line - Google Patents

Abstract

According to the present invention, a user's voice authentication is performed to confirm whether a telephone counterpart is a real person by performing voice recognition of the telephone counterpart by using stored voice characteristic data in order to determine whether the telephone counterpart is the identity of the telephone counterpart. The present invention relates to a method of displaying identity verification information for collecting bonds according to a method.

According to the present invention, the debt manager or the telephone call message that the debtor attempts to the debt manager is sent to the authentication data processing device to retrieve the corresponding debtor's call record; Determining whether contents corresponding to the debtor are new data based on the retrieved corresponding debtor's call records; Determining whether there is authentication data of a corresponding debtor if it is not new data as a result of the determination; And if the corresponding authentication data is present, sampling the voice sample of the current borrower on the call, comparing and comparing the voice pattern with the previously stored voice pattern database, and transmitting the result to the bond manager side. Doing; It provides a method for determining whether the debtor himself or herself using the user voice authentication method on a phone call comprising a.

Debt Collection, Debt, Voice Verification

Description

{Method for judgement for the debtor himself using voice certification method in telephone line}             

1 is a schematic overall system block diagram for performing a method of displaying identity information for debt collection according to a user voice authentication method according to an embodiment of the present invention;

2A and 2B are flowcharts illustrating a method of displaying identity verification information for receivable collection using user voice authentication according to an embodiment of the present invention.

The present invention relates to a method of displaying identity verification information for collection of debt by using a voice authentication method. In particular, in order for a worker of a financial institution to check whether a telephone counterpart is the identity of the telephone counterpart, the telephone counterpart using pre-stored voice characteristic data The present invention relates to a method of confirming whether or not the called party is a real person by performing voice recognition of the.

In modern times, loans from financial institutions are shifting from the large-scale lending business to the small-scale lending business for individuals and small and medium-sized businesses. 2 financial and third financial sectors emerged and developed.

Meanwhile, as loans to private and SMEs have increased, their collection methods have been developed in various ways. Especially, in the case of bad debt collection, which is difficult to collect, a method for effectively collecting debts has been developed. to be.

In particular, in recent years, individual / small-scale bonds tend to become insolvent, and debtors' tendency to such bad debts is changing aggressively. Because of this tendency, when debt collectors attempt to make phone calls to their debtors, they often deny themselves when they call their cell phones or at home. In other words, even if you are yourself, it is unusual to say that you are not, and the inefficiency of debt collection is increased.

When this happens, the debt collector will try to determine whether he or she is a person by asking a few inquiries. By attempting to do so, many social problems often arise. This is also the case for direct complaints.

Therefore, in order to collect bonds more efficiently, there is an urgent need for an accurate identity verification method that can verify that the other party is the person when making a telephone call.

An object of the present invention for solving the problems of the prior art as described above is to perform a voice recognition of the telephone counterpart using the pre-stored voice characteristic data to determine whether the telephone counterpart is the identity of the worker of the financial institution, It is to provide a user authentication method for confirming whether the calling party is the real person.

In order to achieve the above object, according to the present invention, in the method of determining whether the debtor himself or herself using the user voice authentication method on the telephone call, the telephone call message that the bond manager attempts to the debtor or the debtor to the debt manager authentication data processing apparatus A first step of retrieving the call record of the corresponding debtor; A second step of determining whether contents corresponding to the debtor are new data based on the retrieved corresponding debtor's call record; A third step of connecting a corresponding telephone call, sampling a voice of the other party's debtor, generating a voice model, and storing the new data if the determination result of the second step is new data; A fourth step of determining whether there is authentication data of a corresponding debtor if it is not new data as a result of the determination in the second step; And if the corresponding authentication data is present as a result of the determination in the fourth step, sample the voice sample of the current debtor on the call, compare the voice pattern with the previously stored voice pattern database, and determine the result. A fifth step of transmitting the information to the bond manager; There is provided a method for determining whether the debtor himself or herself using the user voice authentication method on a phone call comprising a.

More preferably, the sixth step of transmitting an undecided work processing request message to the telephone apparatus of the bond manager side if the authentication data does not exist as a result of the determination in the fourth step; And a seventh step of generating the last call data as authentication data when a determination message is input from the telephone apparatus of the bond manager side to the request message in the sixth step, and this message corresponds to the person. ; It further includes.

The above object and various advantages of the present invention will become more apparent from the preferred embodiments of the present invention described below with reference to the accompanying drawings by those skilled in the art.

Hereinafter, with reference to the accompanying drawings will be described in more detail the identification information display method for the collection of bonds according to the user voice authentication method according to an embodiment of the present invention.

1 is a schematic overall system block diagram for performing a method for displaying identity verification information for debt collection according to a user voice authentication method according to an embodiment of the present invention, the identity verification for debt collection according to the user voice authentication method The information display system includes a debt manager telephone apparatus 110 on the debt collector side, an authentication data processing apparatus 120 for performing user voice authentication, a telephone station 130 connecting the debt manager side and the debtor side, and a debtor telephone apparatus on the debtor side. And 140.

This will be described in detail as follows.

When users apply for loans from banks, lenders, and savings banks, they now apply through online channels such as the Internet or ARS (Automatic Response System) rather than applying directly through offline counters. There are many cases. On the other hand, when the lending institution receives the online loan application as described above, the loan may be immediately executed or may be discussed later with the loan applicant. The present invention is a technique applied when performing a voice call through a telephone call or ARS.

Most people start a telephone conversation as the first conversation in a telephone conversation, "hello" or simply expressing themselves, which habitually always shows a similar aspect. During such a telephone conversation, the contents of the first conversation are sampled and stored, and if necessary, the identification is verified by using it as an authentication tool.

Therefore, when the debtor uses the debtor telephone apparatus 140 to connect to the bond manager side via the telephone station 130, this signal is automatically passed through the authentication data processing apparatus 120 to process the authentication data. In the device 120, the debtor's conversation is sampled and stored.

On the other hand, when the voice sampling of the debtor for authentication is impossible in this manner, the sampling sound source can be secured by the following method.

In other words, when a loan application is received through a telephone call or ARS, the lender makes an effort to obtain various information of the loan applicant by attempting a telephone call to the person. As described above, the telephone call is also passed through the authentication data processing apparatus 120, so that the sound source of the debtor can be sampled.

This sampled sound source is very likely to be my own sound source because it is rarely the case that the loan applicant receives the call. However, when the bond manager calls the loan applicant to confirm the loan, it is not clear whether the customer connected by the telephone call is the loan applicant because it is the first time that the customer is called.

Therefore, when it is confirmed that the bond manager is the user during the call, the bond manager should transmit a signal corresponding to the authentication data processing device 120. This signal may be a * button or a # button on the bond manager telephone apparatus 110.

If the call is terminated without checking whether the caller is the person by pressing the button, the authentication data processing device 120 transmits a message to determine whether the caller is the loan applicant. The phone call is not made and waits.

In response to the request message, when the bond manager transmits a message for determining whether the caller is the loan applicant, the authentication data processing device 120, the authentication data processing device 120 is the bond manager phone device 110 Make it happen again.

On the other hand, if the caller is identified as the loan applicant himself, the authentication data processing device 120 obtains a voice pattern of the sampled content and stores it in a database. When it is confirmed that the caller is not the loan applicant himself, the authentication data processing device ( 120 deletes the sampled content. On the other hand, in the voice pattern database, telephone number information, recording time, and unique serial numbers of the calling and receiving parties are also recorded.

When the voice pattern of the loan applicant is secured through such a process, it is used to check whether the other party making a phone call during the debt collection is the debtor himself. The process will be described in detail as follows.

First, when the bond manager attempts to connect to the debtor telephone apparatus 140 on the debtor side through the debt manager telephone apparatus 110, this signal is transmitted via the authentication data processing apparatus 120 and the telephone station 130. The debtor telephone apparatus 140 is connected.

After being connected, the voice of the debtor, which is generated through the debtor telephone apparatus, is input to the authentication data processing apparatus 120 to collect a voice sample. On the other hand, the sound source required at this time is a voice pattern of the recording of the debtor's recording until the debt manager's side talks to the debtor's side after saying 'hello' from the moment the debtor answers or calls.

If the voice pattern in the previously stored voice pattern database matches the voice pattern of the collected voice sample, the voice is determined to be the user's own and is updated by adding a subtle difference that may occur with the initially authenticated voice. Will be reorganized. On the other hand, if the voice pattern does not match as a result of the comparison, the voice of the other party in the content of the subsequent call is sampled, and the voice pattern is calculated to compare again. This comparison may be performed any number of times by the designer of the present system.

Since a method of authenticating a user through voice pattern comparison is a technique widely known in the art, the present invention employs such a conventional voice authentication method. On the other hand, in the present embodiment, only a portion of the voice characteristic is extracted, voice authentication is performed, the match is calculated as a probability, and the probability is displayed on the caller's telephone liquid crystal on the bond manager side to increase the reliability. do.

And all the voice patterns recorded after the first time are continuously sampled later, and if these later sampled voice patterns and the first sampled voice patterns have a consistently low probability of matching, between these consecutively poor call recordings. By calculating the probability of coincidence of speech patterns, it is reported to be used as another information by credit institutions, and it is possible to search and modify registered information through the web or telephone.

On the other hand, in the case of a mobile phone or a general caller display phone, since only the number of the incoming call is displayed, displaying whether or not the user is a probability is that the authentication data processing device 120 makes a call during the call again. Display. However, in the case of using an ARS device or an exchanger in the middle, the number cannot be displayed on the liquid crystal for a specific number, and therefore, an additional device that displays the number in any form is needed.

For example, it may be displayed as follows. "011-9950-6652- (match probability)"

In addition, by storing the authentication information in the recording equipment or call center equipment as a record, it can be used as evidence to prepare for litigation or complaints that may arise due to the collection of bonds. This method is the same as the method of displaying the caller call described above, the development of the call center or recording equipment is a part for storing the signal can be designed in various ways according to the designer.

On the other hand, depending on the telephone apparatus of the bond manager side, the caller's telephone indication may not be available, and in such a case, it may be notified by ARS voice or sound signal during the call.

2A and 2B are flowcharts illustrating a method of displaying identity verification information for debt collection using user voice authentication according to an embodiment of the present invention.

First, in step S201, when the bond manager attempts to make a telephone call to the debtor, this message is sent to the authentication data processing apparatus 120 to retrieve the call record of the corresponding debtor. Next, in step S202, it is determined whether or not the content corresponding to the debtor is new data based on the retrieved call record of the corresponding debtor. In the present embodiment, a case where the debt manager calls the debtor side is described as an example, but the case where the debtor attempts a telephone call to the debt manager side to apply for a loan is not excluded.

As a result of the determination in step S202, if the data is new, the telephone call is connected in step S203. In step S204, the voice of the other party's debtor is sampled, a voice model is generated, and then stored and terminated. On the other hand, in such a case, it is not clear whether the customer connected by the telephone call is the loan applicant because the telephone call between the bond manager and the debtor is the first. Therefore, when it is confirmed that the bond manager is the user during the call, the bond manager should transmit the corresponding signal to the authentication data processing device 120. If the telephone is terminated without confirming whether or not the person is himself or herself, the process of steps S206 to S209 to be described later proceeds, which will be described in the relevant part.

In addition, a voice model is generated and stored, and at the same time, a related call record, for example, telephone number information of a calling party and a calling party, a recording time and a unique serial number are also stored.

As a result of the determination in step S202, if it is not new data, it is determined in step S205 whether authentication data of the corresponding debtor exists.

As a result of the determination in step S205, if the corresponding authentication data does not exist without being new data, it corresponds to a case where the bond manager does not confirm whether or not the sampled voice signal is the person at the time of the first call. If it is the user, a message is sent to the manager to determine whether or not the last call (i.e., the immediately preceding call) data is the user. In step S207, the last call is sent. The data is generated as authentication data and the process returns to the step S202. If it is not the person, the process returns to the step S202 after deleting the last call data in step S209.

On the other hand, if it is determined in step S205 that the authentication data is not new data, in step S210, the voice sample of the debtor side currently in the call is sampled, and the voice pattern in the previously stored voice pattern database is stored. Compare matches. On the other hand, if it is confirmed that the voice pattern is the identity with a reliability higher than a predetermined probability, the voice model may be updated by adding a subtle difference that may occur with the initially authenticated voice. In addition, if the voice pattern does not match as a result of the comparison, the voice of the other party in the subsequent conversation may be sampled again, and the voice pattern may be calculated and compared again. The comparison may be performed any number of times by the designer of the system. As much as can be performed.

Subsequently, in step S211, it is determined whether or not the telephone apparatus on the creditor manager side is a caller display telephone apparatus, and if it is a caller display telephone apparatus, in step S212, information is displayed on the caller display liquid crystal, and then the call record is stored in step S213. And exit.

As a result of the determination in step S211, if it is not the caller display telephone apparatus, in step S214, the authentication information is notified by ARS voice or sound during the call, and then the flow advances to step S213.

On the other hand, when displaying the information on the caller display liquid crystal can be designed to further increase the reliability by calculating the probability of matching obtained by performing the voice authentication and displaying it as a probability.

While the invention has been described above based on the preferred embodiments thereof, these embodiments are intended to illustrate rather than limit the invention. It will be apparent to those skilled in the art that various changes, modifications, or adjustments to the above embodiments can be made without departing from the spirit of the invention. Therefore, the protection scope of the present invention will be limited by the appended claims, and should be construed as including all such changes, modifications or adjustments.

As described above, according to the present invention, by allowing the bond manager to manage the bond in a more convenient environment, the efficiency of the bond management is increased.

In addition, it is used as a new basic data on the propensity of customers, so that if there is a new loan in the future, the loan customers can be classified by type, so that the debtors can be managed more efficiently.

In addition, if it is confirmed that the user does not continue to answer the phone, it is the case that he or she avoids collection of the debt or the phone is sold and the number is changed.

Claims (8)

In the method of determining whether the debtor himself or herself using the user voice authentication method on a phone call, A first step in which a telephone call message, which the debt manager attempts to the debtor or the debtor attempts to the debtor, is sent to the authentication data processing apparatus to retrieve a call record of the corresponding debtor; A second step of determining whether contents corresponding to the debtor are new data based on the retrieved corresponding debtor's call record; A third step of connecting a corresponding telephone call, sampling a voice of the other party's debtor, generating a voice model, and storing the new data if the determination result of the second step is new data; A fourth step of determining whether there is authentication data of a corresponding debtor if it is not new data as a result of the determination in the second step; And As a result of the determination in the fourth step, if the authentication data is present, the voice sample of the current borrower is sampled, and it is compared with the voice pattern in the previously stored voice pattern database, and the result is determined. A fifth step of transmitting to the manager side; Determining whether the debtor himself or herself using the user voice authentication method on a phone call comprising a. The method of claim 1, The third step, When the bond manager is confirmed that the person is in the call, the debtor identification method using the user voice authentication method on the phone call, characterized in that for transmitting the signal corresponding to the authentication data processing device and storing it. The method according to claim 1 or 2, A sixth step of transmitting an undecided work processing request message to the telephone apparatus of the bond manager side if the corresponding authentication data does not exist as a result of the determination in the fourth step; And A seventh step of generating the last call data as authentication data if a determination message is input from the telephone apparatus of the bond manager side to the request message in the sixth step and this message corresponds to the person; Determining whether the debtor himself or herself using the user voice authentication method on a phone call, characterized in that it further comprises. The method of claim 1, When the voice model is generated and stored, the debtor himself / herself uses the user voice authentication method, which stores the related call record, the telephone number information of the calling and receiving party, the recording time and the unique serial number. How to judge. The method of claim 1, An eighth step of updating the voice model by adding a difference that may be subtly generated from the initially authenticated voice if the voice pattern is confirmed to be the user with reliability higher than a predetermined probability as a result of the comparison determination in the fifth step; Determining whether the debtor himself or herself using the user voice authentication method characterized in that it further comprises. The method of claim 1, As a result of the comparison determination in the fifth step, if the voice pattern does not match, the voice of the other party in the subsequent conversation is sampled again, the voice pattern is calculated again, and the comparison is performed again. Determining whether the debtor himself or herself using the user voice authentication method characterized in that it is repeated. The method of claim 1, A ninth step of judging whether or not the telephone apparatus on the bond manager side is a caller displaying telephone apparatus, and if the caller displaying telephone apparatus is displayed, displaying the information determined in the fifth step on the caller displaying liquid crystal; And A tenth step of notifying the authentication information by ARS voice or sound during a call, if the telephone apparatus of the bond manager side is not a caller indicating telephone apparatus; Determining whether the debtor himself or herself using the user voice authentication method characterized in that it further comprises. The method of claim 7, wherein When the information is displayed on the caller display liquid crystal, the debtor identity determination method using the user voice authentication method, characterized in that by calculating the probability of matching obtained by performing the voice authentication as a probability.

Images