KR102154602B1 - Method for identity verification in face to face transactions - Google Patents

Abstract

The present invention relates to an online face-to-face confirmation method including: an ID card image generation step in which a user terminal generates an ID card image by photographing a user′s ID card; a motion image generation step in which the user terminal generates a motion image by photographing the motion of the user taking a requested motion; an image transmission step in which the user terminal transmits the ID card image and the motion image to an authentication service providing server; a facial image extraction step in which the authentication service providing server reads the ID card image and extracts it as an ID card facial image and reads the motion image and extracts it as a motion facial image; a similarity calculation step in which the authentication service providing server calculates the similarity between the ID card facial image and the motion facial image; an authentication result calculation step in which the authentication service providing server determines an authentication success in a case where the calculated similarity is equal to or greater than a preset similarity threshold and determines an authentication failure in a case where the calculated similarity is less than the similarity threshold; and an authentication result notification step in which the authentication service providing server notifies the user terminal and a B2C business server of the authentication success or failure.

Description

{Method for identity verification in face to face transactions}

The present invention relates to an online face-to-face confirmation method, which can perform an online face-to-face confirmation procedure.

With the rapid development of information and communication technology, and the convergence of information and communication technology and financial services developed as described above, various online account services will be attempted to open and operate a new type of account online without visiting a counter. In order for the online account service to be provided normally, user authentication called real name verification must be accompanied within a certain period of time.

User authentication refers to the process of verifying the qualifications of a person who has access to a record or records management system, as determined in advance by which person, on which record, and what action can be taken.

Such user authentication can be largely divided into a method in which the user directly faces the qualification verifier or the qualification verification server (In Facing) and a method in which the user checks the user's qualification without face to face (In Non-facing).

For face-to-face real name verification at financial companies such as banks, credit card companies, and securities companies in the existing offline, as shown in Fig. 1, 1) the customer presents a real name confirmation certificate (resident registration card, driver's license, passport, temporary real name confirmation certificate, etc.), 2 ) An employee or agent related to a financial company goes through the procedures of checking for forgery, such as the material of the certificate, printing status, etc., 3) checking the photograph of the certificate and the face of the customer, 4) storing a copy of the certificate and processing requests related to finance.

However, as the proportion of non-face-to-face channels increases, various non-face-to-face verification methods such as ID card copy, postal, video call, and account transfer are being used overseas.To prevent money laundering, a copy of the real name verification certificate and video call, and a copy of the real name verification certificate are submitted. And it performs the real name verification procedure through several steps such as sending a registered cash card.

Specifically, real name verification techniques in a non-face-to-face environment can be divided into the following several methods.

The first is a method of submitting a copy of the real name verification certificate, which refers to a method in which the customer photographs or scans the real name verification card and submits it online (including mobile), and the financial company checks the authenticity of the certificate issuing institution. At this time, information on several real name verification certificates (resident registration certificate address + driver's license number) may be submitted. While this method is convenient to use from the customer's point of view and has the advantage of being able to check the authenticity of the certificate relatively accurately through the issuing agency, it is difficult to know whether the holder of the certificate and the customer are identical. The disadvantage is that there are also difficult proofs (passports, etc.).

The second is a video call method, in which an employee of a financial company makes a video call with a customer and uses the visual and facial recognition technology to compare the certificate photo with the customer's face. It has the advantage of securing accountability because it is highly reliable by checking whether the customer and the name person are identical with the naked eye, etc., and the financial company directly checks it.However, it is mainly available to customers who have video equipment during business hours of a financial company. It is relatively inefficient in terms of cost because it must reside.

The third is a verification method when delivering the access medium, which refers to a method for the delivery company's employee to verify the real name through the real name verification certificate when delivering access media such as card, bankbook, OTP (One Time Password), and security card to the customer by mail. . It is possible to check face-to-face without customer inconvenience, and it has the advantage of incurring a small cost as it utilizes the process of transferring the access medium that normally accompanies the opening of an account. It has a limit that can only be done.

The fourth is how to use an existing account. It refers to a method of checking account transaction rights through small transfers from accounts already opened in other financial companies, and the scope of use is wide and relatively simple and convenient as most customers already have accounts that have been verified with real names. While there are advantages, there are potential side effects such as identity theft using dormant accounts, use of phishing, etc., and opening of multiple accounts with a single cannon account.

In addition, with the development of the Internet and financial-related industries, user authentication has become very important for website access (log-in) and financial transactions. However, the crime of stealing personal information, including personal ID, password, authentication number, credit card number, and account information such as phishing or pharming, is still being recognized as a social problem.

Nevertheless, in the trend of modern society in which all goods are becoming smart, the non-face-to-face real name verification method is more consistent than the face-to-face method, so studies are being conducted to strengthen security while using the non-face-to-face real name verification method. Currently, foreign countries perform non-face-to-face real name authentication by combining multiple methods among the above and other methods (e.g., matching personal information provided by customers with information held by credit information companies), but identity theft during the non-face-to-face verification process. Since side effects such as financial fraud or issuance of cannon bankbooks are constantly occurring, there is a need for a way to prevent such crimes as much as possible.

Korean Patent Publication 10-2017-0052328

The technical problem of the present invention is to provide a mobile face-to-face and identity verification service, as the number of tasks that provide user verification services through face-to-face in society such as public, finance, and education increases, and mobile devices and communication environments are advanced due to technological advances. It is to provide a remote mobile face-to-face authentication verification and identity verification service system and method to satisfy the convenience and convenience of the castle and space at the same time.

An embodiment of the present invention provides an identification card image generation process in which the user terminal generates an identification card image by photographing the user's identification card; A motion image generation process of generating, by the user terminal, a motion image of a user taking a requested motion; An image transmission process in which the user terminal transmits the identification card image and the motion image to an authentication service providing server; A face image extraction process in which the authentication service providing server reads the identity card image and extracts it as an identity card face image, and reads the motion image and extracts it as a motion face image; A similarity calculation process in which the authentication service providing server calculates a similarity between the identification card face image and the motion face image; An authentication result calculation step of determining, by the authentication service providing server, an authentication success when the calculated similarity is greater than or equal to a preset similarity threshold, and determining an authentication failure when the calculated similarity is less than the similarity threshold; The authentication service providing server may include an authentication result notification process of notifying the user terminal and the B2C service provider server of the authentication success or authentication failure.

Including; after the identification card image generation process, the user terminal generates identification information that can confirm the identity of the user, and performs identification using the generated identification information; including, As information confirming that the user requesting the mobile face-to-face verification is the identity, the identity verification information is used, and the motion image generation process is performed only when the identity is verified.

When the information for identification is a user's financial card, the identification process is when the user name information is extracted by photographing the user's financial card, and the user name extracted from the financial card matches the user name extracted from the ID image. It can be characterized in that identity verification is performed only.

When the identification information is a mobile communication terminal phone number, the identification process may be characterized in that identification is performed only when identification using the mobile communication terminal phone number is completed.

When the information for identification is an administrative agency notice, the identity verification process may be characterized in that identification is performed only when identification using a QR code printed on the administrative agency notice is completed.

The motion image generation process may include providing a motion guide to a user to be taken; Determining whether a user takes a motion corresponding to the motion guide; And generating the motion image only when the motion guide and the user motion coincide.

The motion guide is a pose guide related to a pose including a physical appearance or attitude, and in the case of the pose guide, the motion image generation process includes two or more different pose guides and user motions taking the suggested pose guide. The motion image can be generated only if they match.

The motion guide is a place designation guide requesting to be photographed at a preset unique place, and in the case of the place designation guide, the motion image generation process is performed only when it is recognized that the user located at the requested unique place has been photographed. You can create motion images.

The motion guide is a place matching pose guide that requests to pose at a preset unique place, and in the case of the place matching pose guide, the motion image generation process is performed when it is recognized that a pose was taken at a requested unique place. As long as the motion image can be generated.

After the process of notifying the authentication result, the authentication service providing server stores the authentication result of the authentication success or authentication failure on a blockchain network.

Before the process of generating the ID image, the user terminal identifies the user's authentication result history stored in the blockchain network, and when the user's authentication attempts consecutively fail more than a preset threshold number, the ID card image generation process After exiting, you can print a message instructing you to visit a financial institution to check face-to-face offline.

According to an embodiment of the present invention, it is possible to apply to all services that require face-to-face verification, and also to apply an identity verification service at the same time, solving problems occurring in temporal and spatial terms, and simultaneously performing non-face-to-face verification authentication between users and requesters. It is possible to provide systems and methods to provide.

In addition, according to an embodiment of the present invention, it is applicable to all social services that require face-to-face confirmation, and in particular, it can be optimized for general face-to-face confirmation services that perform work in a remote location.

In addition, according to an embodiment of the present invention, high security can be maintained without the burden of leaking or circulating personal information by using a mobile phone of an individual user, and by automatically extracting the information necessary for identification and linking only the information necessary for the service, the user Convenience and security safety can be secured. For example, face-to-face verification is not restricted by issuing an accredited certificate that must be confirmed face-to-face, and is not subject to space restrictions such as a member store registration agreement for credit finance business, and the required face-to-face verification business is performed using this patent and a non-face-to-face verification using the application of the user's personal mobile terminal. Business processing is possible. For example, a user residing in Busan does not move to Seoul for face-to-face verification, but immediately uses personal information input, ID card shooting, physical card shooting, user motion capture, and identity verification service linkages to check face-to-face with an application in a personal mobile terminal. You can secure trust in it. This is the best service that can clearly see the spatial, temporal and cost effects.

In addition, according to an embodiment of the present invention, it is possible to increase the convenience of users and service providers by widely applying to social services such as vehicle sharing service (rental car), medical service, and civil service using social network service (SNS). In addition, it is not limited to domestic services and can be expanded to global common services, thus creating local wealth.

1 is a diagram showing an offline face-to-face confirmation procedure.
Figure 2 is a configuration diagram of a mobile face-to-face confirmation system according to an embodiment of the present invention.
3 is a diagram showing the operation of the mobile face-to-face assurance system according to an embodiment of the present invention.
Figure 4 is a flow chart showing an online face-to-face confirmation method according to an embodiment of the present invention.
5 is a flow chart for verifying an identity using a financial card possessed by a user according to an embodiment of the present invention.
6 is a flowchart for verifying an identity using a phone number of a user's mobile communication terminal according to an embodiment of the present invention.
7 is a diagram illustrating a process of generating an online face-to-face confirmation result as a block of a block chain and storing it in a block chain after performing block validation verification according to an embodiment of the present invention.

Hereinafter, the advantages and features of the present invention, and a method of achieving them will become apparent with reference to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but will be implemented in various different forms, and is provided to completely inform the scope of the invention to those of ordinary skill in the art to which the present invention belongs. As such, the invention is only defined by the scope of the claims. In addition, when it is determined that related well-known technologies or the like may obscure the subject matter of the present invention in describing the present invention, detailed descriptions thereof will be omitted.

2 is a configuration diagram of a mobile face-to-face confirmation system according to an embodiment of the present invention, and FIG. 3 is a diagram showing an operation of the mobile face-to-face confirmation system according to an embodiment of the present invention.

Motion capture of the user's real thing using a mobile communication terminal such as a high-performance smartphone of the present invention and linking with the user's identification card (resident registration card, driver's license, passport) or real card (cash card, credit card, check card, etc.) User data is protected by comparing and recognizing the actual object through comparison of the extracted image of the user, confirming the user information including the real name, and storing the log of the user's authentication result in a block-chain method and using it for verification. It is about a system and method for securing convenience, space-time constraints, and cost reduction.

To this end, the mobile face-to-face verification system of the present invention includes a wired/wireless communication network 100, a server for identification verification 400, an authentication service providing server 300, and a user terminal 200 as shown in FIGS. 2 and 3. Can include.

The wired/wireless communication network 100 is a communication network that provides wired or wireless communication between the server 400 for identity verification, the server for providing an authentication service 300, and the user terminal 200. When the wired/wireless communication network 100 is implemented as a wireless communication network, a wireless mobile communication network consisting of a base transceiver station (BTS), a mobile switching center (MSC), and a home location register (HLR) is provided. Can be used to communicate data. In addition, when the wired/wireless communication network 100 is implemented as a wired communication network, it may be implemented as a network communication network, and data communication may be performed according to an Internet protocol such as Transmission Control Protocol/Internet Protocol (TCP/IP).

The identity verification server 400 is a server for authenticating the identity of a user, and may be a telecommunication company server, a financial institution server, an administrative agency server, or the like. For example, when the server for identity verification 400 is implemented as a communication company server, identity verification may be performed through text authentication/telephone authentication using a phone number of a user's mobile communication terminal such as a smartphone. In addition, when the identity verification server 400 is implemented as a financial institution server, identity verification can be performed through card authentication from the financial institution server by reading information on the credit card/debit card held by the user. In addition, when the identity verification server 400 is implemented as an administrative agency server, the QR code displayed on the administrative agency's bill (e.g., electricity bill) served to the user is read and transmitted to the administrative agency server to verify the identity of the user. You will be able to.

The authentication service providing server 300 is a server that performs face-to-face confirmation with respect to a user. The authentication service providing server 300 calculates a similarity between the identification card face image and the motion face image received from the user terminal 200. When the calculated similarity is greater than or equal to a preset similarity threshold, it is determined as authentication success, and if the calculated similarity is less than the similarity threshold, it is determined as authentication failure.

In addition, the authentication service providing server 300 stores the authentication result of authentication success or authentication failure on the blockchain network, so that forgery or alteration of the authentication result is impossible. For reference, the blockchain network configures a block chain between a plurality of authentication service providing servers 300 and user terminals 200 and stores the user's authentication result as one block on the blockchain.

In addition, the authentication service providing server 300 notifies the calculated personal face-to-face verification authentication result to the B2C business server and/or the user terminal 200. Here, B2C business refers to a business that provides services that require face-to-face verification for customers (individuals/corporations). For example, a terminal opening service of a communication service provider, an account opening service of a financial institution, a card issuance/delivery service of a credit card company, and a shared vehicle service such as Soka may be applicable.

The user terminal 200 is a terminal used by a user who wants to receive face-to-face authentication on-line using a terminal such as a smartphone owned by the user without face-to-face authentication offline. Such a user terminal 200 is described by taking a smart phone as an example in the drawings, but not only a smartphone, but also a desktop PC, a tablet PC, a slate PC, and a notebook computer. notebook computer), etc. Of course, it is natural that the terminal to which the present invention is applicable is not limited to the above-described types, and may include all terminals capable of communicating with external devices.

The user terminal 200 is equipped with an online face-to-face confirmation app. For reference, the user terminal 200 implemented as a smart phone or the like is a user's desire for hundreds of various applications (application programs). As it can be installed and added or deleted as it is, the user can directly create an application desired by the user, and can implement an interface suitable for himself through various applications. Accordingly, an online face-to-face confirmation app can be downloaded from Google Market, Apple Store, etc. and installed on the user terminal 200.

In the present invention, the online face-to-face confirmation app processes an online face-to-face confirmation procedure using the user terminal 200. For reference, the authentication service providing server 300 generates an online face-to-face authentication result as a block and transmits it to the blockchain network and stores it, but in some cases, the online face-to-face verification app generates the online face-to-face authentication result as a block. You may have to send it to the network.

Accordingly, the online face-to-face confirmation app installed in the user terminal 200 of the present invention captures a user's identification card to generate an identification card image, and also captures a motion of a user taking a motion requested by the application to generate a motion image. Then, the identification card image and the motion image are transmitted to the authentication service providing server 300 to receive and output the authentication result from the authentication service providing server 300. Therefore, users can easily issue credit cards and open mobile phones through face-to-face verification using their smartphone without having to visit offline branches such as banks and telecommunication companies for face-to-face confirmation. In addition, when renting a shared vehicle such as Soka, you can easily verify your identity face-to-face using your smartphone. Hereinafter, it will be described in detail with FIGS. 4 to 7.

FIG. 4 is a flowchart showing an online face-to-face verification method according to an embodiment of the present invention, and FIG. 5 is a flowchart showing identity verification using a financial card possessed by a user according to an embodiment of the present invention, and FIG. 6 is the present invention. Is a flow chart for verifying the identity using the phone number of the user's mobile communication terminal according to the embodiment of the present invention, and FIG. 7 is a block validity verification by generating an online face-to-face confirmation result as a block of a block chain according to an embodiment of the present invention. This is a picture showing the process of storing in the block chain.

The online face-to-face verification method of the present invention includes an identification card image generation process (S410), an identity verification process (S420), a motion image generation process (S430), an image transmission process (S440), and a face image extraction process as shown in FIG. (S450), a similarity calculation process (S460), an authentication result calculation process (S470), and an authentication result notification process (S480). In addition, a block chain storage process (S490) can be additionally performed.

The identification card image generation process (S410) is a process in which the online face-to-face confirmation app installed in the user terminal 200 photographs the user's identification card to generate an identification card image. In addition, user information such as user name, date of birth, issuance date, and expiration date (license/passport) can be extracted from the ID card image using OCR.

The identity verification process (S420) is a process in which the user terminal 200 generates identity verification information that can verify the identity of the user and performs identity verification using the generated identity verification information. The identification information is used as information confirming that the user who has requested the mobile face-to-face confirmation is the identity, and the motion image generation process (S430) is performed only when the identity is confirmed.

This is to improve security by having an additional identity verification procedure to verify that the person who actually provided the identification card is the user.

For example, if the information for identification is the user's financial card, the identification process (S420) is to extract the user name information by photographing the user's financial card, and this is performed by the financial institution server as shown in FIG. After going through the authentication process, identification is performed only when the user name extracted from the financial card matches the user name extracted from the ID image. Card information (card number, user name, expiration date, etc.) can be extracted using OCR from the financial card being photographed.

In addition, when the identification information is a mobile communication terminal phone number, the identification process (S420) is performed only when identification using a mobile communication terminal phone number using a communication company server is completed, as shown in FIG. Let this happen.

In addition, when the information for identification is an administrative agency notice, the identity verification process (S420) may allow identification to be made only when identity verification using the QR code printed on the administrative agency notice is completed.

The motion image generation process (S430) is a process in which the user terminal 200 requests a preset motion from an online face-to-face confirmation app, and captures a motion of the user taking the requested motion to generate a motion image.

This motion image generation process (S430) is to confirm in real time that the user who requested the face-to-face confirmation is the user. For example, since an illegal third party can pretend to be a user and request a comparison of a previously acquired user picture with the user's ID image to illegally attempt face-to-face authentication, this is a procedure for verifying the user's identity in real time.

To this end, the motion image generation process (S430) includes a process of providing a motion guide to the user to take, a process of determining whether the user takes a motion corresponding to the motion guide, and only when the motion guide and the user motion coincide. And a process of generating a motion image.

Before creating a motion image, a process of checking the user environment may be additionally performed. User environment settings, such as whether the user is left-handed or right-handed, a head shape, and glasses, may be additionally made.

Meanwhile, the motion guide may be implemented in three forms: a pose guide, a place designation guide, and a place matching pose guide.

When the motion guide is a pose guide related to a pose including a physical appearance or an attitude, the motion image generation process (S430) is performed when all motions of the user taking the pose guide by presenting two or more different pose guides coincide. It only generates motion images. About 30 or more poses are randomly displayed on the user terminal 200 so that the user takes a picture directly with the front camera of the terminal and recognizes it. When the location of the user's face and the pose match, high-resolution shooting is automatically performed.

For example, the online face-to-face confirmation app installed in the user terminal 200 turns off the rear camera of the user terminal 200 and drives only the front camera to induce a user's face photographing in the form of a selfie. The next step is to ask the user to make a V-shaped hand gesture next to the face after confirming whether the user is pointing at the nose with his hand by presenting the user with a pose guide in step 1 to point the user's nose. The second stage pose guide is presented to photograph the user only when the user is making a V-shaped hand gesture, and the photographed photo is generated as a motion image.

In addition, if the motion guide is a place designation guide requesting to shoot at a preset unique place, the motion image generation process (S430) is to generate a motion image only when it is recognized that the user located at the requested unique place has been photographed. do. For example, in the case of a shared vehicle such as Soka, the person who applied for the shared vehicle directly boards the shared vehicle and generates a photograph taken from a seat in the designated vehicle as a motion image.

In addition, when the motion guide is a place matching pose guide that requests to pose at a preset unique place, the motion image generation process (S430) is performed on the motion image only when it is recognized that the pose is taken at the requested unique place. Generate. For example, in the case of a shared vehicle such as Soka, the person who applied for the shared vehicle directly boarded the shared vehicle and created a motion image as a photograph of a requested pose such as a V in a designated seat in the vehicle.

Meanwhile, the image transmission process (S440) is a process in which the user terminal 200 transmits an identification card image and a motion image to the authentication service providing server 300.

The face image extraction process (S450) is a process in which the authentication service providing server 300 reads an ID card image and extracts it as an ID card face image, and reads a motion image and extracts it as a motion face image.

The similarity calculation process (S460) is a process in which the authentication service providing server 300 calculates the similarity between the ID card face image and the motion face image. The similarity is calculated by analyzing the user's face using a smart lens. For example, the similarity is calculated through the analysis of the user's face using the ratio of the eyebrow, face angle, and ear position and the analysis pattern of a specific position.

The authentication result calculation process (S470) is a process in which the authentication service providing server 300 determines an authentication success result when the calculated similarity is greater than or equal to a preset similarity threshold, and determines an authentication failure result when the calculated similarity is less than the similarity threshold. to be.

For example, if the similarity threshold is 95%, if the similarity between the ID card face image and the motion face image is 95% or higher, authentication is determined as successful, whereas if the similarity between the ID card face image and the motion face image is less than 95%, authentication fails. Is determined by

The authentication service providing server 300 notifies the user terminal 200 and the B2C service provider server of authentication success or authentication failure. Accordingly, the user terminal 200 performs authentication continuity, etc. according to the authentication result, and the B2C service provider server determines whether to provide a service without face-to-face verification according to the authentication result.

On the other hand, after the authentication result information notification process, the authentication service providing server 300 further adds an authentication result blockchain storage process (S490) in which the authentication result of the authentication success or authentication failure is stored on the blockchain network. Can have.

That is, as shown in FIG. 7, the result of online face-to-face verification is generated as a block of a block chain, and after block validation is verified, the result is stored in the block chain. Only essential information such as face-to-face verification procedure, authentication result, and time is stored. All other user data and images used for face-to-face verification are deleted and not stored on the blockchain.

For reference, block chain is a distributed storage technology that transparently records details in a ledger that anyone can read, and copies and stores it on multiple node terminals (servers or computers). The node terminal verifies the record to prevent forgery. In other words, the blockchain is a distributed public ledger, which is copied to a number of node terminals (computers) participating in the blockchain, and a number of node terminals are connected through P2P to form a blockchain network. And when a single transaction information occurs, the transaction information must be propagated to numerous nodes distributed in the blockchain network. Therefore, it is not possible to forgery or falsify data by storing data on a centralized server but storing data in a block, connecting it in a chain, and simultaneously replicating and storing it in numerous node terminals. .

Accordingly, the present invention prevents forgery and alteration by storing a face-to-face verification authentication result in a block form on a blockchain network by using a plurality of authentication service providing servers 300 and user terminals 200 as blockchain nodes.

Furthermore, the present invention can be implemented to block online face-to-face verification attempts by using the history of authentication results stored in such a block chain that cannot be forged or altered. For example, if the verification result of online face-to-face verification is determined to fail five or more times in a row, it is determined that there is an illegal third party's online face-to-face verification attempt, and visits a financial institution to induce face-to-face verification. .

To this end, in the present invention, prior to the identification card image generation process (S410), the user terminal 200 identifies the user's authentication result information history stored in the blockchain network, and the user's authentication attempt is a preset threshold number of times. In the case of successive authentication failures as described above, a message informing that the identification card image generation process (S410) is terminated and visited to the financial institution to check face-to-face may be output.

The embodiments in the description of the present invention described above are presented by selecting the most preferable examples to aid the understanding of those skilled in the art from among various possible examples, and the technical idea of the present invention is not necessarily limited or limited only by this embodiment. , Various changes and modifications, and other equivalent embodiments are possible within the scope of the technical spirit of the present invention.

100: wired and wireless communication network
200: user terminal
300: Authentication service providing server
400: server for identity verification

Claims (11)

An identification card image generation process in which the user terminal photographs the user's identification card to generate an identification card image;
A motion image generation process of generating, by the user terminal, a motion image of a user taking a requested motion;
An image transmission process in which the user terminal transmits the identification card image and the motion image to an authentication service providing server;
A face image extraction process in which the authentication service providing server reads the identity card image and extracts it as an identity card face image, and reads the motion image and extracts it as a motion face image;
A similarity calculation process in which the authentication service providing server calculates a similarity between the identification card face image and the motion face image;
An authentication result calculation step of determining, by the authentication service providing server, an authentication success when the calculated similarity is greater than or equal to a preset similarity threshold, and determining an authentication failure when the calculated similarity is less than the similarity threshold; And
Including; the authentication service providing server, the authentication result notification process of notifying the user terminal and the B2C service provider server of the authentication success or authentication failure;
The motion image generation process,
The process of providing a motion guide to the user to be taken;
Determining whether a user takes a motion corresponding to the motion guide;
Generating the motion image only when the motion guide and the user motion coincide; Including,
The motion guide is a place matching pose guide that requests to pose at a preset unique place, and in the case of the place matching pose guide, the motion image generation process is performed when it is recognized that the pose is taken at the requested unique place. But only to generate the motion image,
The authentication service providing server provides a shared vehicle user authentication service, and the motion guide generates a photograph of a pose posing at a designated seat in the shared vehicle as the motion image.
The method according to claim 1, after the identification card image generation process,
Including; an identity verification process in which the user terminal generates identity verification information that can confirm that the user is the user, and performs identity verification using the generated identity verification information,
An online face-to-face verification method, characterized in that the user who requests the mobile face-to-face verification is information that confirms the identity of the user, and uses the information for identity verification, and performs a motion image generation process only when the identity is verified.
delete delete delete delete delete delete delete The method according to claim 1, after the authentication result notification process,
An authentication result blockchain storage process in which the authentication service providing server stores an authentication result of the authentication success or authentication failure on a blockchain network;
Online face-to-face verification method including.
The method of claim 10, before the ID card image generation process
The user terminal checks the user's authentication result history stored in the blockchain network, and if the user's authentication attempts are consecutively failed more than a preset threshold number, terminate the identification card image generation process and visit a financial institution to go offline. Online face-to-face confirmation method, characterized in that outputting a message guiding the face-to-face confirmation on the screen.

Images