KR100854342B1 - System and Method for Customer Authentication by Using Photo Image of Certificate of Residence and Program Recording Medium - Google Patents

Abstract

The present invention relates to a customer authentication method and system using a resident registration card image and a program recording medium therefor. The customer authentication method according to the present invention comprises a resident registration number of a customer requesting a financial transaction from a predetermined window terminal to a predetermined ID card image management server. Requesting a resident registration photograph image of the financial transaction request customer while transmitting information; extracting a resident registration photograph image corresponding to the resident registration number of the customer from the resident registration image management server and transmitting the image to the counter terminal; and at the teller terminal And outputting the resident registration card image of the financial transaction request customer transmitted by the resident registration card image management screen.

ID card, photo, image, authentication

Description

System and Method for Customer Authentication by Using Photo Image of Certificate of Residence and Program Recording Medium}

1 is a diagram illustrating a system configuration for providing a customer image-based face-to-face authentication function according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a customer image-based face-to-face authentication process through customer information according to an embodiment of the present invention.

3 is a view showing a customer image authentication-based passbook issuing process according to an embodiment of the present invention.

4 is a diagram illustrating a system configuration for providing a customer image-based face-to-face authentication function according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a ledger information configuration for storing customer information for customer image-based face-to-face authentication according to an embodiment of the present invention.

6 is a view showing a customer image based face-to-face authentication process through the customer account information according to another embodiment of the present invention.

7 is a diagram illustrating a process of issuing a bank account based on customer image authentication according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: passbook issuing server 105: image receiving unit

110: information transmission unit 115: interface unit

120: interface providing unit 125: information receiving unit

130: information storage unit 135: information generation unit

140: passbook issuing unit 145: ID card image management server

The present invention comprises the step of requesting a resident registration number image of the customer of the financial transaction request customer while transmitting the resident registration number information of the financial transaction request customer from a predetermined window terminal at a predetermined window terminal, and the resident registration number of the customer at the resident registration card image management server And extracting the ID card photo image corresponding to the terminal and transmitting the ID card photo image to the window terminal and outputting the ID card photo image of the financial transaction request customer transmitted from the ID card image management server on the screen. It relates to an authentication method.

With the continuous development of information and communication technology, various non-face-to-face financial transaction channels based on high security have been commercialized, but the face-to-face financing must be made according to the law and co-decree (Presidential Decree No. 15744) on real-name financial transactions and confidentiality. There is a financial transaction that must be processed as a transaction.

For the face-to-face financial transaction, a financial transaction customer brings his or her ID card (for example, a resident registration card) and visits the window of the financial institution and submits a prescribed financial transaction application form and the ID card. After face-to-face authentication of the financial transaction customer, characterized in that for processing the financial transaction corresponding to the financial transaction application.

By the way, when the financial transaction customer visited the window of the financial institution without bringing the identification card due to a mistake or carelessness, the financial transaction was conducted by the Financial Real Name Transaction and Secret Guarantee Act and Presidential Decree (Presidential Decree 15744). This includes the problem that the transaction itself does not work.

An object of the present invention for solving the above problems is a resident registration card image management server for storing and managing the photo image information included in the resident registration card in association with the resident registration card holder information, and the resident registration number information of the customer requesting financial transactions to the resident registration card image management server Requesting a resident registration card image of the financial transaction request customer while transmitting, and receiving a resident registration card image of the financial transaction request customer from the resident registration card image management server and then outputting it on the screen and the window terminal screen When the financial transaction requested by the customer is processed after the authentication of the customer requesting the financial transaction and / or the forgery of the customer-owned ID card is confirmed based on the customer ID card photo image data, the processing details and the customer ID card photograph image The present invention provides a customer authentication system including a storage medium for linking and storing data.

The customer authentication method according to the present invention comprises the steps of requesting a resident registration card image of the financial transaction request customer while transmitting the resident registration number information of the financial transaction request customer from a predetermined window terminal at a predetermined window terminal, and managing the resident registration card image. Extracting a resident registration card image corresponding to the resident registration number of the customer from the server and transmitting the image to the window terminal; and outputting the resident registration card image of the financial transaction request customer transmitted from the resident registration card image management server to the window terminal on the screen; Characterized in that comprises a step.

According to the present invention, the customer authentication method, based on the customer ID card picture image data output on the window terminal screen, if the forgery of the authentication of the customer requesting the financial transaction and / or customer-owned ID card is confirmed, the window terminal And processing the financial transaction requested by the customer, and then linking the processing history and the customer ID card photo image data to store in a predetermined storage medium.

According to the present invention, the customer authentication method, characterized in that further comprises the step of authenticating the validity of the window terminal in the ID card image management server.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described customer authentication method.

On the other hand, the customer authentication system according to the present invention, the resident registration card image management server for storing and managing the photo image information included in the resident registration card in association with the resident registration card holder information, and transmits the resident registration number information of the financial transaction request customer to the resident registration card image management server While requesting the resident registration card image of the financial transaction request customer, and receiving the resident registration card image of the financial transaction request customer from the resident registration card image management server and the output on the screen and the customer terminal window output on the screen If the financial transaction requested by the customer is processed after the authentication of the financial transaction request customer and / or the forgery of the customer-owned ID card is confirmed based on the resident registration card image data, the processing details and the customer ID card photo image data Subject to a storage medium for storing and processing in conjunction characterized in that formed.

In addition, the customer authentication system according to the present invention, the resident registration card image management server that stores and manages the photo image information included in the resident registration card in association with the resident registration card holder information request the resident registration card image of the financial transaction request customer, the resident registration card image management Authentication of the financial transaction request customer based on the resident registration card image image output means for receiving the resident registration card photograph image of the financial transaction request customer from the server and outputting the image through a predetermined output means and the output of the customer resident registration card image data; Alternatively, after the forgery of the customer ID card is confirmed, when the financial transaction requested by the customer is processed, the ID card image image data is stored in a predetermined storage medium by linking the processing details and the customer ID card picture image data. Characterized in that it comprises a means.

Hereinafter, the technical features and operation principles of the present invention will be described in detail through an embodiment of a bank account issuance corresponding to the most representative financial transaction among face-to-face financial transactions through a financial institution. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a system configuration for providing a customer image-based face-to-face authentication function according to an exemplary embodiment of the present invention.

In more detail, Figure 1 shows that when a customer visits a financial institution window and issues a bank account, when the customer completes a bankbook issuance application form containing customer information and submits it to a window, the terminal is included in the bank account issuance application. Receive and face-to-face authentication of the stored customer image data matched with the customer information from the predetermined resident registration card image management server 145 based on the received customer information, the predetermined bankbook issuance application information and the customer image included in the bankbook issuance application When the face-to-face authentication information is transmitted to the financial institution server, a system configuration for issuing a predetermined account book to the customer based on the customer image-based face-to-face authentication information in the financial institution server, which is common in the art. Those skilled in the art can refer to and / or modify this drawing to In addition to the issuance, various implementation methods for the system configuration for providing the customer image authentication function in response to various face-to-face financial transactions can be inferred, but the present invention includes all the implementation methods inferred above, as shown in FIG. It is not limited only to the implementation method shown.

For example, in FIG. 1, when the customer terminal transmits the customer information to the financial company server, the financial terminal server receives the customer image data corresponding to the customer information from a predetermined resident registration card image management server 145. Although illustrated as provided in the present invention, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 to the resident registration card image management server 145 at the counter terminal. It will be able to infer an implementation method for directly receiving customer image data corresponding to the customer customer information by providing a, the present invention is characterized in that it comprises all the inferred implementation method.

Hereinafter, at least one means and / or functional configuration for issuing a predetermined bankbook to the customer based on the bankbook issuing application information provided from the customer through a predetermined bankbook issuing interface on the bankbook issuing system shown in FIG. The corresponding component is referred to as "passbook issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a customer image authentication-based bank account issuing system according to the present invention includes a teller terminal used by a teller provided with at least one financial institution, and the teller through a predetermined financial network. It is characterized in that it comprises a bankbook issuing server 100 connected to the terminal to perform a bankbook issuance procedure, a financial system for processing the financial affairs according to the bankbook issuance, and a predetermined bankbook issuing device, according to the present invention. Resident registration image management server 145 for storing and managing at least one or more customer information and the resident registration card image data included in the resident registration card of the customer for face-to-face authentication using the customer image.

The resident registration card image management server 145 is a resident registration card management server in the Ministry of Government Administration and Administration having a DBMS for storing and managing the resident registration card image data included in the resident registration card when issuing a resident registration card to at least one citizen. Those skilled in the art will be familiar with the technical features of the ID card management server for storing and managing the ID card image data, and thus the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the resident registration card image management server 145 is connected to the bankbook issuance server 100 provided in the financial institution through a predetermined communication means for face-to-face authentication according to the present invention. Characterized in that, when predetermined customer information is received from the bankbook issuing server 100, the communication means by extracting predetermined image data corresponding to the received customer information from the DBMS for storing and managing the resident registration image data It is characterized in that the transmission to the passbook issuance server 100 through.

According to an exemplary embodiment of the present invention, the customer visits the financial institution and visits the bank (or through a clerk) provided at the financial institution. A document with a form for filling out information and at least one item of bankbook issuance information required for issuing a bankbook; or (or the teller visits the customer to have the customer complete the bankbook issuance application) When the completed bankbook issuance application is submitted to the window clerk, the window clerk inputs (or selects) the information written in the bankbook issuance application through a predetermined staff terminal, and the staff terminal inputs (or selects) the terminal. Transmitting the information to the bankbook issuing server 100 provided on the bankbook issuing system through the financial network. desirable.

Here, the employee terminal preferably comprises an employee terminal used by the teller staff provided in the financial institution, the bankbook issuance server 100 is connected to the employee terminal ledger server provided on the predetermined financial system Preferably, it comprises a, the financial network connecting the employee terminal and the bankbook issuance server 100 is a financial network (eg, our network) connecting the communication channel between the employee terminal and the bankbook issuance server 100 It is preferable to comprise.

In the bankbook issuance system as described above, the bankbook issuance application prepared by the customer, the employee terminal used by the teller staff and the financial network connecting the employee terminal and the bankbook issuance server 100 is the customer to apply for bankbook issuance Functions as a bank account issuing interface for registering information.

The financial institution issuing the bank account to the customer is characterized in that it has a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. do.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) Characterized in that connected through, and provides the financial transaction services of the non-face-to-face method for at least one financial transaction customer through the financial terminal.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provide non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 1, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The bankbook issuing server 100 provided on the bankbook issuing system according to the present invention is a generic term for the bankbook issuing system-side components connected to the window terminal and a predetermined financial network, and includes at least one server (or device). It may be implemented to include, and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the embodiment of the present invention, the bankbook issuing server 100 is characterized in that it comprises an interface unit 115 for providing a predetermined bankbook issuing interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the teller terminal is an employee terminal connected to a predetermined financial network, the interface unit 115 has a predetermined communication channel with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the bank account issuance application program provided in the employee terminal.

Referring to FIG. 1, when the passbook issuing server 100 accesses the passbook issuing server 100 through the interface unit 115 and requests a customer image based face-to-face authentication, An interface providing unit 120 for generating (or extracting) a user interface for inputting (or selecting) predetermined customer information in response to face-to-face authentication and providing the same to the counter terminal, and the counter terminal in cooperation with the interface unit 115. An information receiver 125 for receiving customer information input (or selected) through the user interface from the user interface, and an information transmitter 110 for transmitting the customer information to the resident registration card image management server 145 through a predetermined communication means. And an image receiving unit 105 for receiving customer image data corresponding to the customer information from the resident registration card image management server 145. When the customer image data corresponding to the customer information is received through the image receiving unit 105, the interface providing unit 120 includes the customer image data, and the customer image-based face-to-face authentication information. And generating (or extracting) a user interface for inputting (or selecting) predetermined bankbook issuance application information and providing the same to the counter terminal.

When the interface providing unit 120 requests a customer image-based face-to-face authentication by accessing the bankbook issuing server 100 through the interface unit 115, the interface providing unit 120 determines a predetermined counterpart in response to the customer image-based face-to-face authentication. Generating a user interface for inputting (or selecting) customer information of the user, and / or extracting from a predetermined database (not shown), and linking the generated (or extracted) user interface with the interface unit 115. It is characterized by providing to the window terminal through a financial network.

Thereafter, the teller terminal inputs (or selects) the customer information included in the bankbook issuance application based on the user interface, and the input (or selects) the customer information through the financial network. Is sent).

According to an embodiment of the present invention, the customer information is matched with the customer information (eg, customer name, resident registration number, etc.) stored in association with the customer image data in a DBMS provided in the resident registration card image management server 145. It is preferable to include.

When the counter terminal inputs (or selects) predetermined customer information through the user interface and transmits it through the financial network, the information receiver 125 interworks with the interface unit 115 to receive the customer information. It characterized in that, and provides the received customer information to the information transmitting unit 110.

The information transmitter 110 transmits the customer information to the resident registration card image management server 145 through a predetermined communication means (for example, a dedicated communication network), and correspondingly, the resident registration card image management server 145 ) Extracts the predetermined customer image data matching the customer information from the DBMS for storing and managing the resident registration card image data and transmits the predetermined customer image data to the bankbook issuing server 100 through the communication means.

The image receiving unit 105 may receive predetermined customer image data corresponding to the customer information from the resident registration card image management server 145 through the communication means. Provided by Study (120).

The interface providing unit 120 includes customer image data received from the resident registration card image management server 145 through the image receiving unit 105, and the user inputs the customer image-based face-to-face authentication information at the window terminal. Create an interface and a user interface for inputting (or selecting) predetermined bankbook issuance information, and / or extracting from a predetermined database (not shown), and generating (or extracting) in conjunction with the interface unit 115. A) user interface is provided to the window terminal through the financial network.

Referring to FIG. 1, the bankbook issuing server 100 receives the customer image based face-to-face authentication information and the bankbook issuing application information from the counter terminal in cooperation with the interface unit 115 for issuing a customer image authentication-based bankbook. An information receiving unit 125, an information generating unit 135 for generating predetermined bankbook information corresponding to a bankbook to be issued to the customer based on the received bankbook issuing application information, and the bankbook through a predetermined bankbook issuing device A bankbook issuing unit 140 for issuing a predetermined bankbook including information, and bankbook ledger information corresponding to the bankbook issued to the customer and the customer image-based face-to-face authentication information are stored in the ledger D / B on the financial system. It is characterized by comprising an information storage unit 130.

The user interface including the customer image data through the interface providing unit 120, the user interface for inputting the customer image-based face-to-face authentication information, and a user interface for inputting (or selecting) predetermined account issuance application information at the counter terminal. When the customer terminal is face-to-face authentication based on the customer image data, the counter terminal receives the (or selects) the customer image-based face-to-face authentication information and a bankbook issuance application information through the user interface to provide the financial network. It is characterized in that the transmission to the passbook issuance server 100.

The information receiving unit 125 receives the customer image-based face-to-face authentication information and bankbook issuing application information transmitted from the counter terminal in cooperation with the interface unit 115, and receives the received bankbook issuing information. It is provided to the information generating unit 135.

According to an embodiment of the present invention, the customer image-based face-to-face authentication information is information for authenticating that the counter staff has face-to-face authentication based on the customer image data, and the terminal information and / or the terminal authentication number of the counter terminal. It includes, and / or preferably comprises at least one or more employee number and / or employee authentication number of the teller.

In addition, the bank account issuing application information preferably comprises at least one or more customer information to be issued the bank account and customer account information to be associated with the bank account.

Here, the customer account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the customer name in the financial system If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

According to the embodiment of the present invention, the information receiving unit 125 preferably further includes a function of confirming validity of the received bankbook issuance application information.

Here, the account issuance validity check is to confirm whether the customer information included in the account issuance application information is a valid customer, and the customer account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

If the financial account to be linked with the bank account is not provided in the ledger D / B on the financial system, the bank account issuing server 100 may further perform a procedure for opening a new financial account to be linked with the bank account. Thereby, this invention is not limited.

The information generating unit 135 generates predetermined bankbook information to be provided in the bankbook to the customer based on the bankbook issuing application information received through the information receiving unit 125, wherein the bankbook information is Basic bankbook information including customer name, social security number (or corporate registration number if customer is a company / corporate), deposit type, new date, issue date and bank account number, and at least one transaction date, content, withdrawal amount, deposit amount, balance And at least one passbook entry information including a transaction name.

When the predetermined bankbook information provided in the bankbook is generated by the information generating unit 135, the bankbook issuing unit 140 produces a bankbook including the bankbook information through a predetermined bankbook issuing device (or the bankbook). The bankbook information), and the bankbook is provided (or shipped) to the customer.

If the bankbook is a paper bankbook, the bankbook issuing device comprises a device for printing the bankbook information on at least one form provided in the bankbook, wherein the information generating unit 135 is at least one paper The bankbook issuance information is generated by a data structure printable on the bankbook form, and the bankbook issuing unit 140 issues the predetermined bankbook by printing the bankbook information on at least one form through the bankbook issuing device.

Alternatively, if the passbook is an IC (Integrated Circuit) card, the passbook issuing device includes a device for recording the passbook information in a memory provided in the IC chip of the passbook, wherein the information generation unit 135 Generates the bankbook information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit 140 sends the bankbook information to the memory of the IC chip through the bankbook issuing device. By writing in, a predetermined bankbook is issued.

The bankbook produced as described above is provided to the customer and / or delivered to the customer according to a predetermined bankbook providing procedure, after which the customer uses the bankbook through the bankbook issuing system according to the present invention.

Thereafter, the information storage unit 130 is a financial account associated with the bank account on the ledger D / B on the financial system based on the bank account issuance application information received through the information receiving unit 125 and the generated bank account information Generates predetermined account ledger information to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the bank account, and associates the account ledger information with the customer image based face-to-face authentication information to the ledger D / B on the financial system. It is characterized by storing.

2 is a diagram illustrating a customer image-based face-to-face authentication process through customer information according to an exemplary embodiment of the present invention.

In more detail, Figure 2 is a process for providing a customer image-based face-to-face authentication function based on the customer information provided when the bankbook issuing system in the bankbook issuing system shown in Figure 1, the present invention Those skilled in the art will be able to infer various implementation methods for the customer image based face-to-face authentication process by referring to and / or modifying the drawing 2, but the present invention includes all the implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, the bankbook issuing server 100 shown in FIG. 1 in FIG. 2 will be referred to as "server" for convenience.

Referring to Fig. 2, when a customer who requests a bankbook issuance by visiting a predetermined financial institution window prepares a bankbook issuance application form including the customer information and submits it to the window, the teller terminal transmits to the server through the financial network. In step 200, the client requests an image-based face-to-face authentication, and in response, the server generates a predetermined customer information input interface and transmits it to the counter terminal through the financial network (205).

Thereafter, the teller terminal inputs the customer information included in the bankbook issuance application through the customer information input interface and transmits it to the server through the financial network (210), and the server receives the received information through a predetermined communication means. Burned the customer information to the resident registration card image management server 145 (215).

Here, the resident registration card image management server 145 is a resident registration card management server in an administrative region having a DBMS for storing and managing the resident registration card image data included in the resident registration card when issuing a resident registration card to at least one citizen. Those skilled in the art will be familiar with the technical features of the ID card management server for storing and managing the ID card image data, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the resident registration card image management server 145 is connected to the bankbook issuance server 100 provided in the financial institution through a predetermined communication means for face-to-face authentication according to the present invention. Characterized in that, when predetermined customer information is received from the bankbook issuing server 100, the communication means by extracting predetermined image data corresponding to the received customer information from the DBMS for storing and managing the resident registration image data It is preferable to transmit to the passbook issuance server 100 through.

According to an embodiment of the present invention, the customer information is matched with the customer information (eg, customer name, resident registration number, etc.) stored in association with the customer image data in a DBMS provided in the resident registration card image management server 145. It is preferable to include.

Accordingly, the resident registration card image management server 145 receiving the customer information extracts predetermined customer image data matching the customer information from a predetermined DBMS (220).

If the predetermined customer image data matching the customer information is not extracted (225), the customer is a minor or a normal national who has not been issued a resident registration card. The error information is generated and transmitted to the server through the communication means (230). In response, the server transmits and outputs the customer image error information to the counter terminal through the financial network (235).

If predetermined customer image data matching the customer information is extracted (225), the ID card image management server 145 transmits the customer image data extracted from the DBMS to the server through the communication means (245) In response, the server includes the customer image data, and generates (or extracts) a user interface for inputting (or selecting) the customer image-based face-to-face authentication information and bankbook issuance application information, and generating (or extracting) the user interface. The user interface is transmitted to the counter terminal (250).

Thereafter, the window terminal checks whether the customer image-based face-to-face authentication information and the bankbook issuing application information corresponding to the bankbook issuing application are input (or selected) through the user interface (255).

According to an embodiment of the present invention, the customer image-based face-to-face authentication information is information for authenticating that the counter staff has face-to-face authentication based on the customer image data, and the terminal information and / or the terminal authentication number of the counter terminal. It includes, and / or preferably comprises at least one or more employee number and / or employee authentication number of the teller.

In addition, the bank account issuing application information preferably comprises at least one or more customer information to receive the bank account and financial account information to be associated with the bank account.

According to the method of the present invention, if the customer image-based face-to-face authentication information and / or bankbook issuance application information corresponding to the bankbook issuance application is not inputted (or selected) at the counter terminal, the customer image-based face-to-face authentication fails. will be.

If the counter terminal inputs (or selects) the customer image based face-to-face authentication information corresponding to the account book issuance application (260), the counter terminal receives the customer image based face-to-face authentication through the financial network. Information and the bank account issuing application information corresponding to the bank account issuing application is transmitted to the server (265), and the customer image authentication based on the customer image based face-to-face authentication information and the bank account issuing application information corresponding to the bank account issuing application. A bank account issuance procedure is performed.

3 is a view showing a customer image authentication-based passbook issuing process according to an embodiment of the present invention.

In detail, FIG. 3 illustrates that when the customer image-based face-to-face authentication information and bankbook issuance request information are received at the counter terminal through the process shown in FIG. As a process for issuing a bank account to the customer based on the present invention, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 3 to provide a variety of processes for issuing a bank account based on customer image authentication. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, FIG. 3 illustrates that the bankbook is prepared and provided (or shipped) to the customer, and then the predetermined bankbook information is stored in the ledger D / B on the financial system. The process of storing the predetermined bank account information in the ledger D / B on the financial system may be performed before the bank account is produced or before the bank account is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, the bankbook issuing server 100 shown in FIG. 1 in FIG. 3 is referred to as a "server" for convenience.

Referring to FIG. 3, when the customer image-based face-to-face authentication information and bankbook issuance application information are transmitted from the counter terminal through the process shown in FIG. 2, the customer image-based face-to-face authentication information and account book issuance through the financial network. Receive the application information (300).

According to an embodiment of the present invention, the customer image-based face-to-face authentication information is information for authenticating that the counter staff has face-to-face authentication based on the customer image data, and the terminal information and / or the terminal authentication number of the counter terminal. It includes, and / or preferably comprises at least one or more employee number and / or employee authentication number of the teller.

In addition, the bank account issuing application information preferably comprises at least one or more customer information to receive the bank account and financial account information to be associated with the bank account.

Thereafter, the server checks the validity of whether the server can issue the bankbook to the customer by reading the received bankbook issuance application information (305).

Here, the account issuance validity confirmation is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

According to the method of the present invention, if the ledger D / B on the financial system is not provided with a financial account to be linked to the bank account, the server may further perform a procedure for opening a new financial account to be linked to the bank account; The present invention is not limited thereby.

If the validity for issuing the bankbook to the customer is not authenticated through the bankbook issuing application information (310), the server provides the bankbook issuing error information to the customer through the bankbook issuing interface (315), Stop issuing the account to the customer.

When the validity to issue the bankbook to the customer is authenticated through the bankbook issuing application information (310), the server generates predetermined bankbook information corresponding to the bankbook to be issued to the customer based on the bankbook issuing information. (320).

Here, the bankbook information is a bank account basic information including a customer name, a resident registration number (or, if the customer is a company / corporation, corporate registration number, etc.), deposit type, new date, issue date and bankbook number, at least one transaction date and time, contents It is preferable that the at least one passbook information including the withdrawal amount, deposit amount, balance and the name of the store.

According to an embodiment of the present invention, if the bankbook is a paper bankbook, the generated bankbook information may include a data structure printable on the paperbook template.

According to another embodiment of the present invention, if the passbook is an IC card (or a wireless IC chip), the generated passbook information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is preferable.

Thereafter, the server generates a predetermined bankbook having the bankbook information through a predetermined bankbook issuing device and provides (or delivers) the bankbook to the customer (325).

According to one embodiment of the present invention, if the passbook is a paper passbook, the passbook issuing device preferably comprises a device for printing the passbook information on the form provided in the passbook.

According to another embodiment of the present invention, if the bankbook is an IC card (or a wireless IC chip), the bankbook issuing device preferably comprises a device for recording the bankbook information in a memory provided in the IC chip of the bankbook. Do.

Thereafter, the server generates predetermined bankbook ledger information through the bankbook issuance application information and the generated bankbook information provided from the customer through the bankbook issuing interface (330), and receives from the bankbook ledger information and the window terminal. The customer image-based face-to-face authentication information is linked and stored in the ledger D / B on the financial system (335).

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

4 is a diagram illustrating a system configuration for providing a customer image-based face-to-face authentication function according to another exemplary embodiment of the present invention.

In more detail, Figure 4 shows that when a customer visits a financial institution's counter and issues a bankbook, the customer fills out a bankbook issuance application form containing customer account information and submits it to the counter. When the included customer account information is transmitted to the financial company server, the financial company server checks the customer information matching the customer account information based on the ledger information provided in the financial system, and based on the confirmed customer information, a predetermined resident registration card. Receiving the customer image data stored in accordance with the customer information from the image management server 450 and provided to the teller terminal, face-to-face authentication of the customer based on the customer image data in the teller terminal, the customer account issuance application form The predetermined bankbook issuance application information and the customer image-based face-to-face authentication information included When the transfer to the financial company server, the financial company server based on the customer image-based face-to-face authentication information for a system configuration for issuing a predetermined bank account, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to and / or modifying the drawing 4, it is possible to infer various implementation methods for the system configuration for providing the customer image authentication function in response to various face-to-face financial transactions in addition to the issue of the bankbook. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for issuing a predetermined bankbook to the customer based on the bankbook issuing application information provided from the customer through a predetermined bankbook issuing interface on the bankbook issuing system shown in FIG. 4. The corresponding component is referred to as a "book issuing server 400" for convenience.

Referring to this figure 4 according to an embodiment of the present invention, the customer image authentication-based account book issuing system according to the present invention, the teller terminal used by the teller staff provided with at least one financial institution, and through the predetermined financial network It is characterized in that it comprises a bankbook issuance server 400 connected to the terminal to perform the bankbook issuance procedure, a financial system for processing the financial affairs according to the bankbook issuance, and a predetermined bankbook issuing device, according to the present invention. Resident registration image management server 450 for storing and managing at least one or more customer information and the resident registration card image data included in the resident registration card of the customer for face-to-face authentication using the customer image.

The resident registration card image management server 450 is a resident registration card management server within the Ministry of Public Administration and Administration having a DBMS for storing and managing the resident registration card image data included in the resident registration card when issuing a resident registration card to at least one citizen. Those skilled in the art will be familiar with the technical features of the ID card management server for storing and managing the ID card image data, and thus the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the resident registration card image management server 450 is connected to the bankbook issuance server 400 provided in the financial institution through a predetermined communication means for face-to-face authentication according to the present invention. Characterized in that, when predetermined customer information is received from the bankbook issuing server 400, the communication means by extracting the predetermined image data corresponding to the received customer information from the DBMS for storing and managing the resident registration image data It is characterized in that the transmission to the passbook issuance server 400 through.

According to an exemplary embodiment of the present invention, the customer visits the financial institution and visits the bank (or through a clerk) provided at the financial institution. A document with a form for filling out the account information and at least one item of application information for issuing a bank account; or (or the visitor visits the customer and fills out the bank account issuance application). When the completed bankbook issuance application is submitted to the window clerk, the window clerk inputs (or selects) the information written in the bankbook issuance application through a predetermined staff terminal, and the staff terminal inputs the input (or Select) to transmit the information to the bank account issuing server 400 provided on the bank account issuing system through the financial network; It is preferable.

Here, the employee terminal preferably comprises an employee terminal used by the teller staff provided in the financial institution, the bankbook issuance server 400 is connected to the employee terminal ledger server provided on the predetermined financial system Preferably, it comprises a, the financial network connecting the employee terminal and the bankbook issuance server 400 is a financial network (for example, the bank) connecting the communication channel between the employee terminal and the bankbook issuance server 400 It is preferable to comprise.

In the bankbook issuing system as described above, the bankbook issuance application prepared by the customer, the employee terminal used by the teller staff and the financial network connecting the employee terminal and the bankbook issuance server 400, the customer applies for bankbook issuance Functions as a bank account issuing interface for registering information.

The financial institution issuing the bank account to the customer is provided with a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer. It is done.

The financial system provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 4, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. (Not shown), at least one or more components such as investment finance module (not shown), international module (not shown) may be further included, and a person having ordinary knowledge in the art to which the present invention belongs, Since it will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B on a financial system that stores at least one ledger, wherein the ledger D / B on the financial system performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B on the financial system according to the type of each financial institution and the purpose and characteristics of the financial system, and each ledger. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

The bankbook issuing server 400 provided on the bankbook issuing system according to the present invention is a generic term for the bankbook issuing system-side components connected to the window terminal and a predetermined financial network, and includes at least one server (or device). It may be implemented to include, and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the method of the present invention, the bankbook issuing server 400 is characterized in that it comprises an interface unit 420 for providing a predetermined bankbook issuing interface to the window terminal through the financial network.

According to an embodiment of the present invention, when the window terminal is an employee terminal connected to a predetermined financial network, the interface unit 420 may communicate with the employee terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the communication protocol defined in the passbook issuance application program provided in the employee terminal.

Referring to FIG. 4, when the passbook issuing server 400 accesses the passbook issuing server 400 through the interface unit 420 and requests face-based authentication of the customer, the customer image is based. An interface providing unit 425 for generating (or extracting) a user interface for inputting (or selecting) predetermined customer account information in response to face-to-face authentication, and providing it to a window terminal; and the window in cooperation with the interface unit 420 Check the customer information corresponding to the customer account information from the information receiving unit 430 for receiving customer information input (or selected) from the terminal through the user interface, and the ledger information stored in the ledger D / B on the financial system An information transmission unit for transmitting the confirmed customer information to the resident registration card image management server 450 through the information checking unit 415 to extract and a predetermined communication means ( 410, and an image receiving unit 405 for receiving customer image data corresponding to the customer information from the resident registration card image management server 450, wherein the customer information through the image receiving unit 405 When the customer image data corresponding to the user interface data is received, the interface provider 425 includes the user image data, and inputs (or selects) a user interface for inputting (or selecting) the customer image based face-to-face authentication information and predetermined bankbook issuance information. It is characterized in that the generated (or extracted) to provide to the window terminal.

When the interface providing unit 425 requests a customer image based face-to-face authentication by accessing the bankbook issuing server 400 through the interface unit 420, the interface providing unit 425 is predetermined in response to the customer image-based face-to-face authentication. Create a user interface for inputting (or selecting) the customer account information of the user, and / or extracting from a predetermined database (not shown), and interworking with the interface unit 420 to generate the generated (or extracted) user interface. Characterized in that provided to the teller terminal through the financial network.

Thereafter, the teller terminal inputs (or selects) the customer account information included in the bank account issuance application based on the user interface, and the input (or selected) customer account information is the bank account issuing server through the financial network. Is sent to 400.

According to an embodiment of the present invention, the customer account information preferably comprises an account number associated with the customer ledger stored in the ledger D / B on the financial system.

When the counter terminal inputs (or selects) predetermined customer account information through the user interface and transmits it through the financial network, the information receiver 430 interworks with the interface unit 420 to provide the customer account information. And receiving the received customer account information to the information checking unit 415.

The information checking unit 415 checks and extracts the customer information associated with the customer account information from the ledger D / B stored in the ledger D / B on the financial system in association with the financial system. The extracted customer information is provided to the information transmitter 410.

According to the method of the present invention, the customer information is matched with the customer information (eg, customer name, resident registration number, etc.) stored in association with the customer image data in the DBMS provided in the resident registration card image management server 450 It is preferable to comprise.

The information transmitter 410 transmits the customer information to the resident registration card image management server 450 through a predetermined communication means (for example, a dedicated communication network), and correspondingly, the resident registration card image management server 450 ) Extracts the predetermined customer image data matching the customer information from the DBMS for storing and managing the resident registration card image data and transmits it to the bankbook issuing server 400 through the communication means.

The image receiving unit 405 is characterized in that for receiving the predetermined customer image data corresponding to the customer information from the resident registration card image management server 450 through the communication means, and the received customer image data to the interface It provides to the providing unit 425.

The interface providing unit 425 includes customer image data received from the resident registration card image management server 450 through the image receiving unit 405, and inputs the customer image-based face-to-face authentication information at the window terminal. And generate a user interface for inputting (or selecting) predetermined bankbook issuance information, and / or extracting from a predetermined database (not shown), and generating (or extracting) in conjunction with the interface unit 420. The provided user interface to the window terminal through the financial network.

Referring to FIG. 4, the bankbook issuing server 400 receives customer image-based face-to-face authentication information and bankbook issuing application information from the counter terminal in cooperation with the interface unit 420 for issuing a customer image authentication-based bankbook. An information receiver 430, an information generator 440 for generating predetermined bankbook information corresponding to a bankbook to be issued to the customer based on the received bankbook issuance application information, and the bankbook through a predetermined bankbook issuing device. A bankbook issuing unit 445 for issuing a predetermined bankbook including information, and bankbook ledger information corresponding to the bankbook issued to the customer and the customer image based face-to-face authentication information are stored in the ledger D / B on the financial system. An information storage unit 435 is provided.

The user interface including the customer image data through the interface providing unit 425, the user interface for inputting the customer image-based face-to-face authentication information, and a user interface for inputting (or selecting) predetermined account issuing application information at the counter terminal. When the customer terminal is face-to-face authentication based on the customer image data, the counter terminal receives the (or selects) the customer image-based face-to-face authentication information and a bankbook issuance application information through the user interface to provide the financial network. It is characterized in that the transmission to the passbook issuance server (400).

The information receiving unit 430 receives the customer image-based face-to-face authentication information and bankbook issuing application information transmitted from the window terminal in cooperation with the interface unit 420, and receives the received bankbook issuing information. The information generator 440 is provided.

According to an embodiment of the present invention, the customer image-based face-to-face authentication information is information for authenticating that the counter staff has face-to-face authentication based on the customer image data, and the terminal information and / or the terminal authentication number of the counter terminal. It includes, and / or preferably comprises at least one or more employee number and / or employee authentication number of the teller.

In addition, the bank account issuing application information preferably comprises at least one or more customer information to be issued the bank account and customer account information to be associated with the bank account.

Here, the customer account information to be associated with the bank account, the customer name preferably comprises an account number corresponding to an account already established in the ledger D / B on the financial system, the customer name in the financial system If the account is not opened, it is preferable that the financial system further comprises account opening request information for requesting to open a new account of the customer name.

According to the embodiment of the present invention, the information receiving unit 430 preferably further includes a function of checking the validity of the received bankbook issuance application information.

Here, the account issuance validity check is to confirm whether the customer information included in the account issuance application information is a valid customer, and the customer account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

If the bank account D / B on the financial system does not have a financial account to be linked with the bank account, the bankbook issuing server 400 may further perform a procedure for opening a new financial account to be linked with the bank account. Thereby, this invention is not limited.

The information generation unit 440 generates predetermined bankbook information to be provided in the bankbook to the customer based on the bankbook issuance application information received through the information receiving unit 430, wherein the bankbook information is Basic bankbook information including customer name, social security number (or corporate registration number if customer is a company / corporate), deposit type, new date, issue date and bank account number, and at least one transaction date, content, withdrawal amount, deposit amount, balance And at least one passbook entry information including a transaction name.

When the predetermined bankbook information provided in the bankbook is generated by the information generating unit 440, the bankbook issuing unit 445 produces a bankbook including the bankbook information through a predetermined bankbook issuing device (or the bankbook). The bankbook information), and the bankbook is provided (or shipped) to the customer.

If the bankbook is a paper bankbook, the bankbook issuing device comprises a device for printing the bankbook information on at least one form provided in the bankbook, wherein the information generating unit 440 is at least one paper Passbook information is generated by a data structure printable on a bankbook form, and the bankbook issuing unit 445 issues the predetermined bankbook by printing the bankbook information on at least one form through the bankbook issuing device.

Alternatively, if the passbook is an IC (Integrated Circuit) card, the passbook issuing device includes a device for recording the passbook information in a memory provided in the IC chip of the passbook, wherein the information generation unit 440 Generates the bankbook information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the bankbook issuing unit 445 transmits the bankbook information to the memory of the IC chip through the bankbook issuing device. By writing in, a predetermined bankbook is issued.

The bankbook produced as described above is provided to the customer and / or delivered to the customer according to a predetermined bankbook providing procedure, after which the customer uses the bankbook through the bankbook issuing system according to the present invention.

Thereafter, the information storage unit 435 is a financial account associated with the bank account on the ledger D / B on the financial system based on the bank account issuance application information received through the information receiving unit 430 and the generated bank account information Generates predetermined account ledger information to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the bank account book information and the customer image based face-to-face authentication information in association with the ledger D / B on the financial system. It is characterized by storing.

5 is a diagram illustrating a ledger information configuration for storing customer information for customer image-based face-to-face authentication according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a configuration of ledger information (eg, a customer ledger storing customer information and an account ledger storing customer account information) for providing a customer image-based face-to-face authentication function shown in FIG. 4. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 5 to infer various implementation methods for the construction of ledger information for the customer image-based face-to-face authentication. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 5 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to this drawing 5 according to the embodiment of the present invention, the customer information including the customer name and / or resident registration number through the customer account information including the account number in the bankbook issuance server 400 shown in Figure 4 It will be clearly understood the technical features of identifying and extracting

6 is a diagram illustrating a customer image based face-to-face authentication process through customer account information according to another exemplary embodiment of the present invention.

In more detail, Figure 6 checks and extracts customer information matched with the customer account information from the ledger information shown in Figure 5 on the basis of the customer account information provided when the bankbook issuing system shown in Figure 4 issuing the bankbook issuance And, to the process of providing a customer image-based face-to-face authentication function based on the extracted customer information, those of ordinary skill in the art to which the present invention belongs, refer to and / or modify the present figure 6 Various implementation methods for the image-based face-to-face authentication process can be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in this figure 6, the bankbook issuing server 400 shown in FIG. 4 is referred to as "server" for convenience.

Referring to FIG. 6, when a customer who requests a bankbook issuance by visiting a predetermined financial institution window prepares a bankbook issuance application form including the customer account information and submits it to the window, the window terminal is connected to the server through the financial network. Access to the customer image-based face-to-face authentication (600), and in response to the server generates a predetermined customer account information input interface and transmits to the teller terminal through the financial network (605).

Thereafter, the teller terminal inputs the customer account information included in the bank account issuance application through the customer account information input interface and transmits the customer account information to the server through the financial network (610). In operation 615, the customer information corresponding to the customer account information is identified and extracted from the ledger information stored in the ledger D / B on the financial system.

According to the method of the present invention, the customer information is matched with the customer information (eg, customer name, resident registration number, etc.) stored in association with the customer image data in the DBMS provided in the resident registration card image management server 450 It is preferable to comprise.

Thereafter, the server burns the extracted customer information to the resident registration card image management server 450 through a predetermined communication means (620).

Here, the resident registration card image management server 450 is a resident registration card management server in an administrative region having a DBMS for storing and managing resident registration card image data included in the resident registration card when issuing a resident registration card to at least one citizen. Those skilled in the art will be familiar with the technical features of the ID card management server for storing and managing the ID card image data, so a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the resident registration card image management server 450 is connected to the bankbook issuance server 400 provided in the financial institution through a predetermined communication means for face-to-face authentication according to the present invention. Characterized in that, when predetermined customer information is received from the bankbook issuing server 400, the communication means by extracting the predetermined image data corresponding to the received customer information from the DBMS for storing and managing the resident registration image data It is preferable to transmit to the passbook issuance server 400 through.

Accordingly, the resident registration card image management server 450 receiving the customer information extracts predetermined customer image data matching the customer information from a predetermined DBMS (625).

If the predetermined customer image data matching the customer information is not extracted (630), the customer is a minor or a normal national who has not been issued a resident registration card, so the resident registration card image management server 450 has a predetermined customer image. Error information is generated and transmitted to the server through the communication means (635), and in response, the server transmits and outputs the customer image error information to the counter terminal through the financial network (640).

If predetermined customer image data matching the customer information is extracted (630), the ID card image management server 450 transmits the customer image data extracted from the DBMS to the server through the communication means (650) In response, the server includes the customer image data, and generates (or extracts) a user interface for inputting (or selecting) the customer image-based face-to-face authentication information and bankbook issuance application information, and generating (or extracting) the user interface. The user interface is transmitted to the counter terminal (655).

Thereafter, the teller terminal checks whether the customer image-based face-to-face authentication information and the bankbook issuing application information corresponding to the bankbook issuing application are input (or selected) through the user interface (660).

According to an embodiment of the present invention, the customer image-based face-to-face authentication information is information for authenticating that the counter staff has face-to-face authentication based on the customer image data, and the terminal information and / or the terminal authentication number of the counter terminal. It includes, and / or preferably comprises at least one or more employee number and / or employee authentication number of the teller.

In addition, the bank account issuing application information is preferably made of at least one of the customer information to be issued the bank account and customer account information to be associated with the bank account.

According to the method of the present invention, if the customer image-based face-to-face authentication information and / or bankbook issuance application information corresponding to the bankbook issuance application is not inputted (or selected) at the counter terminal, the customer image-based face-to-face authentication fails. will be.

If the customer terminal is input (or selected) corresponding to the customer image-based face-to-face authentication information and the bank account issuance application (665), the counter terminal receives the customer image-based face-to-face authentication through the financial network. Information and the bank account issuing application information corresponding to the bank account issuing application is transmitted to the server (670), and the customer image authentication based on the customer image based face-to-face authentication information and the bank account issuing application information corresponding to the bank account issuing application. A bank account issuance procedure is performed.

7 is a diagram illustrating a process of issuing a bank account based on customer image authentication according to an embodiment of the present invention.

In more detail, in FIG. 7, when the customer image-based face-to-face authentication information and bankbook issuance application information are received at the counter terminal through the process shown in FIG. As a process for issuing a bank account to the customer based on the present invention, a person having ordinary knowledge in the art to which the present invention pertains refers to the process of issuing a customer image authentication-based bank account by referring to and / or modifying the drawing 7. Various implementation methods may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, FIG. 7 illustrates that the bankbook is produced and provided (or shipped) to the customer, and then the predetermined bankbook information is stored in the ledger D / B on the financial system. The process of storing the predetermined bank account information in the ledger D / B on the financial system may be performed before the bank account is produced or before the bank account is produced (or delivered) to the customer. The present invention is not limited.

Hereinafter, the bankbook issuing server 400 shown in FIG. 4 in FIG. 7 is referred to as a "server" for convenience.

Referring to FIG. 7, when the customer image-based face-to-face authentication information and bankbook issuance application information are transmitted from the counter terminal through the process illustrated in FIG. 6, the customer image-based face-to-face authentication information and account book issuance through the financial network. Receive the application information (700).

According to an embodiment of the present invention, the customer image-based face-to-face authentication information is information for authenticating that the counter staff has face-to-face authentication based on the customer image data, and the terminal information and / or the terminal authentication number of the counter terminal. It includes, and / or preferably comprises at least one or more employee number and / or employee authentication number of the teller.

In addition, the bank account issuing application information preferably comprises at least one or more customer information to receive the bank account and financial account information to be associated with the bank account.

Thereafter, the server checks the validity of whether the server can issue the bankbook to the customer by reading the received bankbook issuance application information (705).

Here, the account issuance validity confirmation is to confirm whether the customer information included in the account issuance application information is a valid customer, and the financial account information included in the account issuance application information is provided in the ledger D / B on the financial system It is preferable to include at least one or more things to check whether it is.

According to the method of the present invention, if the ledger D / B on the financial system is not provided with a financial account to be linked to the bank account, the server may further perform a procedure for opening a new financial account to be linked to the bank account; The present invention is not limited thereby.

If the validity to issue the bankbook to the customer is not authenticated through the bankbook issuing application information (710), the server provides the bankbook issuing error information to the customer through the bankbook issuing interface (715), Stop issuing the account to the customer.

When the validity to issue the bankbook to the customer is authenticated through the bankbook issuing application information (710), the server generates predetermined bankbook information corresponding to the bankbook to be issued to the customer based on the bankbook issuing information. 720.

Here, the bankbook information is a bank account basic information including a customer name, a resident registration number (or, if the customer is a company / corporation, corporate registration number, etc.), deposit type, new date, issue date and bankbook number, at least one transaction date and time, contents It is preferable that the at least one passbook information including the withdrawal amount, deposit amount, balance and the name of the store.

According to an embodiment of the present invention, if the bankbook is a paper bankbook, the generated bankbook information is preferably made to include a data structure printable on the paperbook template.

According to another embodiment of the present invention, if the passbook is an IC card (or a wireless IC chip), the generated passbook information includes a file structure operable through a COS (Chip Operating System) provided in the IC chip. It is preferable.

Thereafter, the server generates a predetermined bankbook having the bankbook information through a predetermined bankbook issuing device and provides (or delivers) the bankbook to the customer (725).

According to one embodiment of the present invention, if the passbook is a paper passbook, the passbook issuing device preferably comprises a device for printing the passbook information on the form provided in the passbook.

According to another embodiment of the present invention, if the bankbook is an IC card (or a wireless IC chip), the bankbook issuing device preferably comprises a device for recording the bankbook information in a memory provided in the IC chip of the bankbook. Do.

Thereafter, the server generates predetermined bankbook ledger information through the bankbook issuance application information and the generated bankbook information provided from the customer through the bankbook issuing interface (730), and receives from the bankbook ledger information and the window terminal. The customer image-based face-to-face authentication information is linked and stored in the ledger D / B on the financial system (735).

Here, the account book ledger information is at least one information item to be stored in the form of additional information of the account ledger (or receiving ledger) corresponding to the financial account associated with the bank account on the ledger D / B on the financial system of the account information It is preferable to comprise.

According to an embodiment of the present invention, the ledger D / B on the financial system is preferably provided in the DBMS on the financial system provided on the bank account issuing system (or associated with the bank account issuing system).

According to the present invention, in connection with the resident registration card management server in the Ministry of Government Administration that stores and manages resident registration card image data, the financial transaction client processes various face-to-face financial transactions even when visiting the window of the financial institution without bringing an identification card. There is an advantage.

According to the present invention, by interconnecting the ledgers provided in the financial institution in connection with the resident registration card management server in the Ministry of Government Administration that stores and manages the resident registration card image data, the financial transaction customers do not bring the identification card to the window of the financial institution Visits also have the advantage of handling a variety of face-to-face financial transactions.

Claims (6)

Requesting an image of the resident registration card of the financial transaction request customer while transmitting the resident registration number information of the financial transaction request customer from a predetermined window terminal to a predetermined ID card image management server; Authenticating the validity of the window terminal in the resident registration card image management server; If the validity of the window terminal is authenticated by the resident registration card image management server, extracting a resident registration card photo image corresponding to the resident registration number of the customer and transmitting the extracted image to the window terminal; Outputting, on the screen, a resident registration card photograph image of the financial transaction request customer transmitted from the resident registration card image management server at the window terminal; And When face-to-face authentication of the financial transaction request customer is processed based on the customer ID card photograph image data displayed on the window terminal screen, the transaction terminal and the customer after processing the financial transaction requested by the customer at the window terminal And linking the resident registration card image data to a predetermined storage medium. delete delete A recording medium which records a program for executing the method of claim 1. A resident registration card image management server for storing and managing the photo image information included in the resident registration card in association with the resident registration card holder information; After the resident registration number information of the financial transaction request customer is transmitted to the resident registration card image management server, the resident registration card image of the financial transaction request customer is requested, and the resident registration image image of the financial transaction request customer is received from the resident registration image management server. A window terminal for outputting to the terminal; And When face-to-face authentication of the financial transaction request customer is processed based on the customer ID card photograph image data displayed on the window terminal screen, the transaction terminal and the customer after processing the financial transaction requested by the customer at the window terminal And a storage medium for linking and processing the resident registration card image data. delete

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