KR101109250B1 - System for inquiring customer's credit information and control method thereof - Google Patents

Abstract

The present invention relates to a customer credit information inquiry system and a control method thereof. In the control method of the customer credit information inquiry system according to the present invention, the customer recruitment terminal photographs the credit information inquiry written agreement and the customer ID card created by the customer, and temporarily creates the image file, and the credit information including the temporarily generated image file. Transmitting an inquiry request signal; A customer credit information inquiry server receives a credit information inquiry request signal from the customer recruitment terminal, extracts the image file from the received credit information inquiry request signal, and transmits the image file to a predetermined authentication device, and extracts from the authentication device. If an event signal based on the analysis of the received image file is received, performs credit information inquiry processing for the corresponding customer in connection with a predetermined credit information providing server, and transmits the credit information inquiry processing result to the customer recruitment terminal. Characterized in that it comprises a.

Description

Customer credit information inquiry system and its control method {SYSTEM FOR INQUIRING CUSTOMER'S CREDIT INFORMATION AND CONTROL METHOD THEREOF}

The present invention relates to a customer credit information inquiry system and a control method thereof, and more particularly, to a customer credit information inquiry system and a control method for inquiring a credit information of a predetermined customer in conjunction with a customer recruitment terminal.

Conventionally, card recruiters who need information related to the credit information of customers, such as card recruiters, have previously issued a card issuance request form (including a credit information inquiry consent form) without confirming in advance whether the customer who will be applying for the card is eligible for card issuance. Have been made to.

If the card recruiter cannot confirm whether the customer is eligible for the card in advance and immediately, the card issuer sends the card issuance request received from the customer to the head office, etc., and the head office later checks the credit status of the customer, and then the customer If the card issuance target, the card issuance processing is performed, and if the customer does not correspond to the card issuance target, the card issuance request is returned or canceled.

As described above, issuing a card based on the credit information of the customer is to prevent a problem due to indiscriminate card issuance.

However, if the customer is not eligible for card issuance, the customer can be notified that he or she cannot be issued a card at least a few days after the card issuance.

This, of course, is expected to be issued by the card, the customer who requested the card issuance at the request of the card recruiter makes a big complaint about the card company, which causes a problem that lowers the trust of the card company.

Therefore, it is required to present a technology that allows card recruiters who request card issuance to actual customers to immediately check whether the customer is a card issue target.

Moreover, in order for the credit card company to confirm the credit information of the customer according to the issuance of the card, it is necessary to obtain the consent of the customer to view the credit information. There is a demand for a technology that can effectively obtain a customer's credit information inquiry consent even for a customer who does not have a mobile communication terminal at the time of requesting a card issuance.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned conventional problems, and an object thereof is to provide a system and a control method for enabling a customer recruiter to quickly check credit information of a customer.

In order to achieve the above object, the control method of the customer credit information inquiry system according to the present invention, the customer recruitment terminal by taking a credit information inquiry written consent written by the customer and the customer identification card to temporarily create an image file and the temporary generated Transmitting a credit information inquiry request signal including an image file; A customer credit information inquiry server receives a credit information inquiry request signal from the customer recruitment terminal, extracts the image file from the received credit information inquiry request signal, and transmits the image file to a predetermined authentication device, and extracts from the authentication device. If an event signal based on the analysis of the received image file is received, performs credit information inquiry processing for the corresponding customer in connection with a predetermined credit information providing server, and transmits the credit information inquiry processing result to the customer recruitment terminal. It is made, including.

In addition, in order to achieve the above object, the customer credit information inquiry system according to the present invention, by taking a credit information inquiry written consent and customer identification card written by the customer to temporarily create an image file and includes the temporary generated image file A customer recruitment terminal for transmitting a credit information inquiry request signal; The image file is extracted from the credit information inquiry request signal received from the customer recruitment terminal and transmitted to the predetermined authentication device. When a predetermined event signal is received from the authentication device, the image file is linked with a predetermined credit information providing server. A customer credit information inquiry server which performs a credit information inquiry process for a customer and transmits the result of performing the credit information inquiry process to the customer recruitment terminal; And an authentication device for receiving the image file from the customer credit information retrieval server and transmitting a predetermined event signal to the customer credit information retrieval server based on the analysis of the received image file.

As described above, according to the present invention, the customer recruiter photographs his or her ID card and handwritten consent form and generates and transmits the image data to the customer to request his / her handwriting confirmation, and so on. At the same time, it can quickly receive and verify customer's credit information by verifying the data on the transmitted image online.

As a result, when a customer's credit information needs to be checked, such as a card issuance, the customer recruiter can check the customer to be issued the card and the types of cards that can be issued to the customer within a short time to present the appropriate product. In addition, customers can choose a certain product (not determined in the future, rather than in the future) with respect to the issuance of the card, thereby reducing the inconvenience.

In addition, the identification card and handwritten consent image of the customer can be deleted in advance after the transfer of the image from the customer recruitment terminal can prevent the leakage of personal information of the customer in advance.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

Customer credit information inquiry system according to an embodiment of the present invention is a customer recruitment terminal 100, customer credit information inquiry server 200, manager computer 210, customer authentication server 300, as shown in FIG. It is configured to include a credit information providing server 400.

The customer recruitment terminal 100 is a terminal device operated by a card company customer recruiter, etc. to recruit customers. The credit information inquiry written agreement and the customer ID card created by the customer are photographed and temporarily generated as an image file, and the temporary generated image file. To the customer credit information inquiry server 200.

In this case, the customer recruitment terminal 100 is unique in correspondence with the identification number of the customer (for example, the resident registration number of the customer or the mobile communication terminal telephone number of the customer) and the customer recruitment terminal 100 in the form of text inputted by the customer recruiter. The number may be included in the credit information inquiry request signal. Here, the unique number corresponding to the customer recruitment terminal 100 may correspond to a predetermined number or ID assigned to the customer recruiter.

The customer credit information inquiry server 200 receives a credit information inquiry request signal from the customer recruitment terminal 100 and performs a predetermined function according to the request.

Specifically, the customer credit information inquiry server 200 extracts and stores an image file from the received credit information inquiry request signal, waits until a predetermined event signal is detected, and is provided in an external communication network when the event signal is detected. It performs a function of performing a credit information inquiry process for the customer in connection with the credit information providing server 400, and transmits the result of performing the credit information inquiry process to the customer recruitment terminal 100. In addition, the customer credit information inquiry server 200 may transmit an error message to the customer recruitment terminal 100 when a predetermined error signal is detected.

As described above, when the credit information inquiry request signal includes the identification number of the customer in text form and the unique number corresponding to the terminal 100, which is the customer recruitment, the customer credit information inquiry server 200 includes the extracted image file. The identification number of the customer and the unique number corresponding to the customer recruitment terminal 100 may be matched and stored.

Here, the unique number corresponding to the customer recruitment terminal 100 may be used to authenticate the terminal that can request credit information inquiry, or may be used to perform the performance processing according to the customer recruitment later.

The manager computer 210 is operated by the credit information inquiry server manager and may communicate with the customer credit information inquiry server 200 to receive or transmit predetermined information according to an administrator's command.

For example, the manager computer 210 may receive an image file extracted from the credit information inquiry request signal and a customer's identification number from the customer credit information inquiry server 200, where the manager computer 210 receives the reception state. You can be notified immediately in various ways, such as pop-ups.

This is because the manager's judgment on the image included in the credit information inquiry request signal, that is, the written consent form of the credit information inquiry and the image of the customer identification card, that is, whether the credit information inquiry written consent has been properly written in accordance with the form, and the image state of the customer ID is good. This is to promptly request the administrator to determine whether the social security number shown on the customer ID card matches the social security number written on the consent form.

When the administrator approves the image, the manager computer 210 transmits an authentication signal to the customer credit information inquiry server 200, which is detected as a predetermined event signal by the customer credit information server so that the customer credit information server receives the customer's credit. It may be determined that authentication for the information inquiry agreement is completed.

In addition, if the administrator judges the image and finds a reason such as the absence of the consent form, the consent and identification information cannot be confirmed, or the name or social security number does not match with each other on the consent and identification image, it will be disapproved. The manager computer 210 transmits a predetermined error signal to the customer credit information inquiry server 200 according to the manager's input.

The credit information providing server 400 is provided on the Internet 600 or other communication network, and refers to its own database or communicates with a financial institution or other credit information agency to obtain credit information of each customer and provide the obtained credit information. As to perform the function, the function and configuration of such a credit information providing server 400 is well known, and thus a detailed description thereof will be omitted.

On the other hand, the customer authentication server 300 is configured to perform authentication automatically without the administrator, and receives the credit information inquiry written consent and / or customer ID copy image from the customer credit information inquiry server 200 and the received image Review and perform authentication function.

For example, the customer authentication server 300 is a role of the system administrator who operates the above-described manager computer 210, that is, whether the credit information inquiry written consent is properly written in accordance with the form, and whether the image state of the customer ID card is good or not. It is possible to automatically determine whether the social security number shown on the ID card matches the social security number written in the consent form. To this end, the customer authentication server 300 may include image processing processing. Thus, extracting predetermined text from an image or determining whether a predetermined content is filled in each item from the image is a basic function of an optical character reader (OCR). Since it corresponds to a known one as corresponding to the more detailed description thereof will be omitted.

However, when there is no abnormality as a result of the determination based on the received image, the customer authentication server 300 transmits an authentication signal to the customer credit information inquiry server 200, and the customer credit information inquiry server 200 is a customer authentication server ( The authentication signal received from 300 may be determined as a predetermined event signal to determine that authentication of the customer's credit information inquiry consent is completed.

On the other hand, the customer authentication server 300 may transmit an error signal to the customer credit information inquiry server 200 as in the above-described customer computer 210, if there is an error as a result of the determination based on the received image.

In the present embodiment, for convenience of description, both the manager computer 210 and the customer authentication server 300 are illustrated, but according to the embodiment, the manager computer 210 and the customer authentication server 300 duplicate their functions. Of course, since it corresponds to a predetermined authentication device, only one may be configured.

In the above-described embodiment, the customer authentication using only the image (that is, authentication regarding the consent of the customer's credit information inquiry) is taken as an example. If the customer authentication server 300 compares the resident registration number in the form of the text of the customer with the resident registration number of the customer ID card picture may check the customer status as well as the image status.

For example, the customer recruiter may photograph the customer's ID card and the credit information inquiry written consent, and input and transmit the social security number of the customer separately. In this case, the customer credit information inquiry server 200 may receive a text form. If the customer's ID number and the customer ID card of the image is transmitted to the customer authentication server 300, and the customer authentication server 300 in the text form compared with the customer ID number extracted from the customer ID card image and transmits the authentication signal, then only The customer credit information inquiry server 200 may request the customer's credit information from the credit information providing server 400 based on the customer's social security number.

Hereinafter, a control process of a customer credit information inquiry system according to an embodiment of the present invention will be described with reference to FIGS. 2 to 4.

First, a process of confirming the credit inquiry consent of the customer will be described with reference to FIGS. 2 and 3.

Referring to Figure 2 as follows.

The customer recruitment terminal 100 photographs the credit information inquiry agreement and the identification card of the corresponding customer directly created by the predetermined customer according to the operation of the customer recruitment, generates the image file, and temporarily stores it as an image file (step S1).

In addition, the customer recruitment terminal 100 receives a customer identification number, for example, a resident registration number of the customer from the customer recruiter (step S3).

The customer recruitment terminal 100 transmits the credit information inquiry request signal including the temporarily generated image file and the customer's social security number to the customer credit information inquiry server 200 (step S5). At this time, the customer recruitment terminal 100 deletes the pre-stored temporarily stored image file after the transmission of the credit information inquiry request signal (step S6).

This is to prevent the identification of the customer ID and credit information inquiry agreement image file contains a kind of personal information and permanently stored in the customer recruitment terminal 100 may cause a problem of personal information leakage.

The customer credit information inquiry server 200 extracts the customer ID image file and the resident registration number of the customer from the credit information inquiry request signal (step S7) and transmits it to the customer authentication server 300 (step S9).

The customer authentication server 300 compares the resident registration number of the received customer with the resident registration number extracted through image processing from the customer ID card image, so that the customer ID card image has been photographed and generated as well as whether the ID of the customer to query the credit information is correct. The authentication process for confirming is performed (step S11).

In the case of normal processing, the customer authentication server 300 transmits an authentication signal to the customer credit information inquiry server 200 (step S13), and the customer credit information inquiry server 200 which has received the authentication signal receives credit information inquiry request information, that is, In operation S15, data stored in the credit information inquiry request signal are stored and registered. Subsequently, the customer credit information inquiry server 200 recognizes the authentication signal received from the customer authentication server 300 as a predetermined event signal and requests the credit information of the customer from the credit information providing server 400. Will be described later with reference to FIG.

3 is a view illustrating a process in which the customer credit information inquiry server 200 receives an authentication signal by communicating with the manager computer 210 instead of the customer authentication server 300.

Until the process of extracting the customer ID image and the customer identification number, that is, the social security number, by the customer credit information inquiry server 200 is the same as that of FIG. 2, description thereof is omitted.

The customer credit inquiry server transmits the customer ID card image and the customer social security number to the customer authentication server 300 (step S29). Accordingly, the manager computer 210 promptly informs the administrator. It may be informed that there is data received from the server 200 (step S31).

When the authentication input is detected from the administrator who has reviewed the resident registration number and ID card image of the customer (step S33), the manager computer 210 transmits an authentication signal to the customer credit information inquiry server 200 (step S35).

In response, the customer credit information inquiry server 200 registers the credit information inquiry request information (step S37).

In FIGS. 2 and 3, only the customer identification server 300 and the like (including the administrator computer 210) are compared with the customer's social security number and the ID image, but the contents of the written consent form of the credit information inquiry written directly by the customer are omitted. It may be checked whether or not it is filled, or if the customer's mobile communication terminal phone number is additionally received in the customer authentication server 300, etc., the customer authentication server 300, etc., the customer's social security number and the customer's mobile terminal number Of course, the authentication process may be performed by further comparing the matching of the.

2 and 3 illustrate only a case in which an authentication signal is transmitted from the manager computer 210 or the customer authentication server 300 to the customer credit information inquiry server 200, the error signal according to the authentication failure. Is received from the manager computer 210 or the customer authentication server 300, customer credit information query server 200 is a text message transmission server (not shown) such as SMSC (Short Message Service Center) provided in the mobile communication network 500 An error message may be transmitted to the customer recruitment terminal 100.

Hereinafter, a process of actually confirming customer credit information will be described with reference to FIG. 4.

The customer credit information inquiry server 200 requests the credit information of the customer from the credit information providing server 400 as an authentication signal is received (step S41). In this case, the customer credit information inquiry server 200 may include information such as a social security number for identifying the customer and information on whether the customer agrees to search for personal information in the request.

The credit information providing server 400 extracts the credit information of the requested customer and transmits it to the customer credit information inquiry server 200 (step S43).

The customer credit information inquiry server 200 temporarily stores the received credit information (step S45), and transmits the credit information result to the customer recruitment terminal 100 (step S47). In this case, the credit information result may include a predetermined authentication number for reading the credit information later.

The customer recruiter terminal 100 may immediately display the credit information result for the customer recruiter or / and the customer to check (not shown), or, if the authentication number is received from the customer credit information inquiry server 200, The recruitment terminal 100 may transmit the credit information result request signal to the customer credit information inquiry server 200 when the corresponding authentication number is input and the credit information result request is detected (step S49) even after a predetermined time elapses. (Step S51) Accordingly, the customer credit information inquiry server 200 extracts the credit information result based on the authentication number and transmits it to the terminal 100 which is a customer recruitment (step S53).

In this case, the customer credit information inquiry server 200 may not only transmit the credit information result to the terminal of the recruitment terminal, but the customer who confirms the authentication number directly requests the credit information result by inputting the authentication number through his personal computer. In some cases, the credit information may be sent to the customer's personal computer.

On the other hand, the present invention is not limited to the above-described specific embodiments, it can be carried out by various modifications and modifications within the scope not departing from the gist of the present invention. It is to be understood that such variations and modifications are intended to be included in the scope of the appended claims.

1 illustrates the overall configuration of a customer credit information inquiry system according to an embodiment of the present invention.

2 to 4 show the control flow of the customer credit information inquiry system according to an embodiment of the present invention.

* Explanation of symbols for the main parts of the drawings

100: customer recruitment terminal 200: customer credit information inquiry server

210: administrator computer 300: customer authentication server

400: credit information providing server

Claims (10)

(a) the customer recruitment terminal photographs the credit information inquiry written agreement and the customer identification card written by the customer, temporarily creates an image file, and transmits a credit information inquiry request signal including the temporarily generated image file, and the credit information inquiry Deleting the temporary generated image file after the request signal is transmitted; (b) a customer credit information inquiry server receives a credit information inquiry request signal from the customer recruitment terminal, extracts the image file from the received credit information inquiry request signal, and transmits the image file to a predetermined authentication device; In response to receiving an event signal based on the analysis of the extracted image file, a credit information inquiry process for a corresponding customer is performed in connection with a predetermined credit information providing server, and the credit information inquiry processing result is stored and then the credit is received. The authentication number corresponding to the information inquiry processing result and the result of performing the corresponding credit information inquiry processing are transmitted to the customer recruitment terminal, and when the credit information result request signal including the authentication number is received through the wired / wireless communication network, the authentication number is transmitted to the authentication number. The credit information of the pre-stored credit information inquiry processing results And transmitting to the requesting terminal; (c) performing, by the customer credit information inquiry server, the performance processing according to customer recruitment for each customer recruitment based on a unique number corresponding to the customer recruitment terminal included in the received credit information inquiry request signal; Control method of customer credit information inquiry system, characterized in that. delete delete delete The method of claim 1, The predetermined event signal in the step (b) is, after extracting a customer identification number from the customer ID card image included in the received credit information inquiry request signal, the customer included in the extracted customer identification number and the credit information inquiry request signal An authentication signal received from a predetermined customer authentication server for confirming a match by comparing an identification number, and input from a terminal operated by an administrator of a customer credit information inquiry system for checking data received by the customer credit information inquiry server. The control method of the customer credit information inquiry system, characterized in that at least one of the authentication signal. Takes the credit information inquiry written agreement written by the customer and the customer ID card and temporarily creates it as an image file, and transmits a credit information inquiry request signal including the temporarily generated image file, and sends the credit information inquiry request signal to the customer credit information. A terminal which is a customer recruitment terminal which deletes the temporary generated image file after transmitting to the inquiry server; The image file is extracted from the credit information inquiry request signal received from the customer recruitment terminal and transmitted to the predetermined authentication device. When a predetermined event signal is received from the authentication device, the image file is linked with a predetermined credit information providing server. Perform credit information inquiry processing for the customer, store the credit information inquiry processing result and transmit the authentication number corresponding to the credit information inquiry processing result and the corresponding credit information inquiry processing result to the customer recruitment terminal, When a credit information result request signal including the authentication number is received through a wired or wireless communication network, a result of performing pre-stored credit information inquiry processing corresponding to the authentication number is provided, and the customer included in the received customer credit information request signal. Recruiting each customer based on the unique number corresponding to the recruiting terminal A customer credit information inquiry server for performing performance processing according to customer recruitment for phosphorus; And an authentication device for receiving the image file from the customer credit information inquiry server and transmitting a predetermined event signal based on the analysis of the received image file to the customer credit information inquiry server. system. delete delete The method of claim 6, The credit information inquiry request signal transmitted by the customer recruitment terminal further includes a customer identification number. The customer credit information inquiry server transmits a customer ID image and a customer identification number included in the credit information inquiry request signal to the authentication device, The authentication device extracts a customer identification number from the image of the customer identification card received from the customer credit information inquiry server, and compares the extracted customer identification number with the customer identification number received from the customer credit information inquiry server to determine whether there is a match. Verify, and if there is a match, send an authentication signal to the customer credit information query server, And the customer credit information inquiry server recognizes an authentication signal received from the customer authentication device as the predetermined event signal. The method of claim 6, The credit information inquiry request signal transmitted by the customer recruitment terminal further includes a customer identification number. The customer credit information inquiry server transmits a customer ID image and a customer identification number included in the credit information inquiry request signal to the authentication device, The authentication device receives at least one of a visual method and an audio method by receiving an authentication request signal including the customer identification card photographed image and the customer identification number included in the credit information inquiry request signal from the customer credit information inquiry server. Notify the administrator, and transmit an authentication signal to the customer credit information inquiry server when an authentication input from the administrator is detected, And the customer credit information inquiry server recognizes an authentication signal received from the customer authentication device as the predetermined event signal.

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