KR102252857B1 - Identity authentication system using the transaction details and method thereof - Google Patents

Abstract

The present invention relates to an identity authentication system using transaction details and a method thereof. In an identity authentication system including an authentication management computer, the authentication management computer comprises the means of: receiving and managing identity confirmation information of a user from a transaction counterparty of the user who requests user authentication; extracting user information and pattern information from transaction details with the transaction counterparty who confirms identity of the user; and authenticating the identity of the user based on consistency between the extracted pattern information of the transaction details and the pattern information possessed by itself. Therefore, a user authentication process is simplified.

Description

Identity authentication system using the transaction details and method thereof

The present invention relates to an identity authentication system and method using transaction details for user authentication and the like. In more detail, when a user needs to authenticate users in various online services such as online financial services, e-commerce, online certificate issuance, and online electronic contracts, repeated ID/PW input for authentication, accredited certificate authentication, mobile phone authentication and OTP Solve the inconvenience of using specific devices such as, etc., and the presentation of identification cards, and by gradually securing the reliability of authentication to prevent user authentication with fraudulent methods and purposes based on the reliability, and simple and quick user To enable authentication, when a user conducts an online financial transaction or an e-commerce transaction, the transaction can be repeated by verifying the identity of the user through pattern analysis based on the transaction details and records with the transaction partner, who is the counterparticipant in which a trust relationship has been established. The user's identity is verified by using the transaction details including the user's identity verification information provided by the counterparty during the user's online financial transaction or e-commerce process, which gradually simplifies and speeds up the process of user authentication due to the accumulation of identity. It relates to an authentication system and a method thereof.

In the era of non-face-to-face business, online financial transactions, e-commerce transactions, online certificate issuance, and online electronic contracts are becoming more common. In performing such a non-face-to-face business, authentication of the user, the subject of action, that is, authentication of the user's identity must be prerequisite.

Due to the inconvenience and security problems of the login method, the authentication method, or the authentication method using a device such as a mobile phone, various user authentication methods that exclude such user authentication methods have been developed and are attempting to use them.

As an invention that breaks from the conventional user authentication method, the invention of a method and apparatus for authenticating an unauthenticated user in a social network service of Korean Patent No. 10-1388251 (registration date: April 16, 2014) has been disclosed.

The patented invention includes the steps of: receiving an access request message including identification information of an unauthenticated user and a friend list of the unauthenticated user in the social network service from a terminal device of the unauthenticated user; Searching for a friend identical to a friend of the user in the social network service in the friend list of the unauthenticated user; Transmitting an authentication request message including identification information of the unauthenticated user to the terminal device of the same friend; Receiving an authentication confirmation message that is a response to the authentication request message from the terminal device of the same friend; And authenticating the unauthenticated user in response to receiving the authentication confirmation message.

In the above patented invention, in user authentication, the user's friend list and access request message are secured from an unauthenticated user, and the user's authentication is requested by finding the same friend as the user's friend in the social network service within the secured friend list. This is a configuration that authenticates users. However, since the above patented invention relies on the user's authentication on the friend list obtained from the user and the friend found on the social network service, it is confirmed whether the friend found on the social network service is in a position (trust relationship) that can authenticate the user. There is no way to do this, so it is not possible to prevent a case in which a friend who lacks a trust relationship performs user authentication for a different purpose, and there is a problem in that an error in reliable user authentication may occur.

Therefore, when a user needs to authenticate users in various online services such as online financial services, e-commerce, online certificate issuance, and online electronic contracts, the reliability of authentication is gradually secured, Through pattern analysis based on the transaction details and records with the counterparticipant, who is the counterparticipant, when the user conducts online financial transactions or e-commerce transactions, to prevent authentication and to enable user authentication easily and quickly. User identity verification information provided by the counterparty in the process of a user's online financial transaction or e-commerce transaction, where the user authentication process is gradually simplified and accelerated by accumulating the reliability of the identity so that the transaction can be repeated by verifying the identity of the user. The invention of a system and method for authenticating user identity using transaction details including: is desired.

Korean Patent No. 10-1388251 (Registration date: April 16, 2014)

The present invention is to solve the problems of the prior art, and an object of the present invention is to provide user identity verification information and generated transactions of the counterparty on the premise that a sufficient trust relationship with the counterparty is formed in online financial transactions or e-commerce transactions. It is to provide an identity authentication system and method using transaction details that perform user identity authentication through pattern analysis such as details and records.

Another object of the present invention is to verify the identity using the transaction details so that the user identity can be repeatedly authenticated through the pattern analysis of the transaction details and records of the user, so that the procedure of user authentication is gradually simplified. It is to provide a system and method.

Another object of the present invention is to request user authentication by presenting on-line financial transaction details and e-commerce details information including personal information of the user's name and mobile phone number, and counterparty information to an authentication management computer, and The management computer collects the user's identity verification information from the counterparts of the user who requested authentication, and transmits the transaction history analysis data including the data to the data analysis computer, and the data analysis computer analyzes the transaction details and analyzes itself or holds various data. The objective is to provide an identity authentication system and method using transaction details that generate user identity authentication information based on consistency with identity authentication-related attribute data extracted from financial transactions and e-commerce transactions.

Another object of the present invention is that, whenever a user requests authentication, the data analysis computer performs identity verification information of counterparties and the identity attribute data with increased reliability extracted from the transaction details, and its own analysis and details of financial transactions and e-commerce transactions. The purpose of this study is to provide an identity authentication system and method using the transaction details that perform simplified user authentication in consideration of the increased reliability of the data while using the identity authentication information generated based on the consistency with the identity attribute data analyzed.

Another object of the present invention is to distribute and store the transaction details, purchase details and identity authentication details information of the online financial transaction and e-commerce transaction in the information storage means of the user, the counterparty, and the system to share the ledger of transaction and authentication information. , To provide an identity authentication system and method using transaction details that can reduce errors in user identity authentication.

As a technical solution for achieving the object of the present invention, as a first aspect of the present invention, the user's user information, the user's online financial transaction information, and the user's authentication request information including e-commerce information are received and managed. , With the counterparty information included in the authentication request information, the user, who is a trader, requests identity verification, accumulates and stores the user's identity verification information provided from the counterparty, and related to the transaction extracted from the counterparty's identity verification information and transaction details. An authentication management computer that extracts identity attribute data to request identity authentication, receives identity confirmation information, and performs and manages user authentication based on the same; A transaction party data storage unit that stores and manages user information and counterparty information as a trader, a Geumwoong transaction data storage unit that stores and manages the user's online financial transaction information provided by a user requesting user authentication, and user authentication. A transaction-related data storage computer including an electronic commerce data storage unit for storing and managing the user's electronic commerce information provided by the requesting user; A financial transaction identity information storage unit that stores user identity verification information provided by counterparts of the online financial transaction; and an e-commerce identity information storage unit that stores user identity confirmation information provided by the counterparties of the e-commerce transaction; , Identity that stores the financial transaction data and e-commerce data provided by the user and the identity attribute data related to financial transactions or e-commerce, extracted based on the identity confirmation information related to the financial transaction and the identity confirmation information related to the e-commerce transaction provided by the counterparty. An identity-related data storage computer including an attribute data storage unit and an identity authentication data storage unit for storing and updating identity authentication information of users; A trader terminal for requesting user authentication while providing user information, financial transaction and electronic commerce transaction details information to the authentication management computer; At least one financial transaction counterparty terminal for providing identification information of a user who is a financial trader to the authentication management computer at the request of the authentication management computer; At least one e-commerce counterpart terminal for providing identification information of a user who is an e-commerce transaction to the authentication management computer in response to a request from the authentication management computer; At least one delivery person who delivers a product purchased through an electronic commerce transaction to the user's address by a user who is an e-commerce transaction at the request of the authentication management computer provides identification information of the user who is a product recipient to the authentication management computer. A shipper terminal; Financial transaction or e-commerce-related identity attribute data extracted based on the identity confirmation information related to financial transactions and the identity confirmation information related to e-commerce provided by the counterparty after receiving the user's identity certification request from the authentication management computer, and self-analysis and financial holdings A data analysis computer that generates user identity authentication information based on consistency with identity attribute data related to a transaction or e-commerce transaction; Identity that stores big data related to identity authentication constructed from various data contained in them based on financial transaction history or e-commerce transaction history information collected from the identity-related data storage computer, and provides necessary data to the data analysis computer An authentication big data storage unit; The data analysis computer analyzes the identity verification information from the identity authentication big data storage unit on the basis of the financial transaction and e-commerce related information included in the big data, and the identity attribute data extracted from the identity verification information and transaction details provided by the counterparty An attribute data analysis information storage unit for storing identity attribute data for calculating the consistency of the data; The user, who is a trader, and the counterparty of the user access and manage the user interface that is output for user authentication, and store data such as transaction details, identity authentication details, and user authentication details so that the user and the user's counterparty can check. An identity authentication system using transaction details including a cloud computer system that provides and manages each possible storage space is presented.

In addition, as a second aspect of the present invention, the authentication management computer receives the user information including the user's name and phone number information and at least one password from the transaction terminal of the authentication requester for user authentication and stores it as a member; and ; User including the user's name and mobile phone number and password, the user's online financial transaction information and e-commerce information, financial transaction and e-commerce counterpart information use or access consent from the authentication management computer transmitted from the trader's terminal Receiving authentication approval request data; Transmitting, by the authentication management computer, user identity authentication request information including name and phone number information of the authentication requester included in the user authentication approval request data to a user's counterparty terminal for financial transactions or an electronic counterparty terminal; Storing, by the authentication management computer, user identity verification information provided from the financial transaction counterparty terminal or the electronic commerce counterparty terminal; The authentication management computer extracts the user's identity authentication-related attribute data from the identity confirmation information, user information, and transaction details of financial transactions and e-commerce transactions provided by the user and transmits it to a data analysis computer to request the user's identity authentication information. And; Calculating, by the data analysis computer, a consistency between attribute data related to identity authentication of a user provided from the authentication management computer and attribute data related to identity authentication of a trader in a financial transaction or electronic commerce that it owns; Generating identity authentication information of a user when the consistency calculated by the data analysis computer is greater than or equal to a set value, and transmitting it to the authentication management computer; Storing, by the authentication management computer, the identity authentication information of the user transmitted from the data analysis computer, approving user authentication based on this, and transmitting it to the trader terminal; Generating, by the authentication management computer, a ledger including identity verification information of a user's counterparty, identity authentication information transmitted from a data analysis computer, and user authentication approval information; An identity authentication method using transaction details comprising the step of storing the generated ledger by the authentication management computer and distributing storage in a storage means of the user and the counterparties for which the identity of the user has been verified is provided.

In addition, as a third aspect of the present invention, in the present invention of the second aspect, the user authentication approval request data provided by the user further includes information on a deliverer of a product transacted in an electronic commerce transaction, and the authentication management computer The user's identity verification data provided by the authentication management computer further includes the user's identity verification data provided by the shipper according to the user's identity check request including user information and transaction details based on the shipper information. An identity authentication method using characteristic transaction details is presented.

In addition, in the fourth aspect of the present invention, the identity authentication information of the user stored and managed by the authentication management computer is associated with a reliability level given according to the quantity and quality of each identity authentication information, and the financial transaction counterpart or electronic An identity authentication method using transaction details, characterized in that the reliability level is updated according to the accumulated data amount of the user's identity confirmation data provided by a commerce counterpart is presented.

In addition, as a fifth aspect of the present invention, the data analysis computer analyzes and manages various types of financial transactions including financial transaction details and e-commerce details of a user who is an authentication requester, and various types of e-commerce transactions; Managing, by the authentication management computer, the number of counterparties for financial transactions or e-commerce counterparties of the user to be provided with the user's identity verification data on a set basis; Generating and managing statistics by analyzing the transaction details of the financial transaction or the electronic commerce transaction by the authentication management computer and analyzing the pattern in the transaction details between the user and the counterparty according to the set criteria; Calculating and managing average data of all users or members of transaction details items for each counterparty by using statistics calculated through the pattern analysis; An identity authentication method using transaction details including the step of determining identity by comparing and analyzing the similarity and difference with the average data with respect to the authentication request of the user and deriving identity authentication information is provided.

According to the present invention, when a user needs to authenticate a user in a variety of online services such as online financial services, e-commerce, online certificate issuance, and online electronic contracts, the reliability of authentication is gradually secured, and an illegal method based on the reliability and To prevent user authentication for the purpose and to enable simple and quick user authentication, a pattern based on the transaction details and records with the person concerned, the counterparticipant of which a trust relationship was established when the user conducts online financial transactions or e-commerce transactions. By verifying the identity of the user through analysis, the reliability of identity is accumulated so that transactions can be repeated, and the process of user authentication is gradually simplified and accelerated.

In addition, when a user requests re-user authentication, only the user's personal information is checked, and the user authentication process is simplified by using the user's identity authentication information built on the basis of the stored financial transaction or e-commerce transaction details. And has a convenient effect.

1 is a schematic configuration diagram of an embodiment of an identity authentication system using transaction details of the present invention.
2 is a schematic configuration diagram of an embodiment of an authentication management computer that is a main part of an identity authentication system using transaction details of the present invention.
3 is a schematic configuration diagram of an embodiment of an authentication request information management module, which is a main part of an identity authentication system using transaction details of the present invention.
4 is a schematic configuration diagram of an embodiment of a financial transaction information management module, which is a main part of the identity authentication system using transaction details of the present invention.
5 is a schematic configuration diagram of an embodiment of an electronic commerce information management module, which is a main part of the identity authentication system using transaction details of the present invention.
6 is a schematic configuration diagram of an embodiment of a user identity confirmation information management module, which is a main part of the identity authentication system using transaction details of the present invention.
7 is a schematic configuration diagram of an embodiment of a transaction information big data management module, which is a main part of the identity authentication system using transaction details of the present invention.
8 is a schematic configuration diagram of an embodiment of an identity authentication information management module, which is a main part of an identity authentication system using transaction details of the present invention.
9 is a schematic configuration diagram of an embodiment of a data analysis computer that is a main part of an identity authentication system using transaction details of the present invention.
10 is a schematic configuration diagram of an embodiment of an identity authentication information generation management module, which is a main part of a data analysis computer of the present invention.
11 is a flowchart illustrating an embodiment of an identity authentication method using transaction details of the present invention.
12 is a flowchart illustrating another embodiment of an identity authentication method using transaction details of the present invention.

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

Hereinafter, terms used in the description of the embodiments of the present invention will be defined. Various computers and terminals used in the present invention may be configured with hardware itself, or may be configured with computer programs and web programs that utilize the hardware resources. For example, the authentication management computer of the present invention may consist of each component of hardware included in the authentication management computer, and may consist of a computer program or a web program that is executed using hardware resources of the authentication management computer.

Accordingly,'~ computer' and'~ terminal' used in the embodiments of the present invention may refer to the configuration of the hardware itself, or may refer to the configuration of a web program or a computer program executed on the hardware.

In addition,'~ part','~ module', and'~ means' used in the embodiments of the present invention may be used interchangeably with terms having the same meaning. That is, it is preferable to see that the terms used in the embodiments of the present invention have meanings rather than meanings in the functions and functions of the terms.

In addition, the'user' used in the embodiment of the present invention may be used in place of the'trader' or'the person'.

In addition, for example, the meaning of'data analysis computer' used in the embodiments of the present invention does not have a meaning in its name, but a function that the computer performs, and is not limited to the term. .

Before describing the embodiments of the identity authentication system and method using the transaction details of the present invention, the motive and core ideas of the invention, which are the basis of the technical idea of the present invention, will be described.

First, in the embodiment of the present invention, [name + phone number] is set as a prerequisite for user authentication. In the financial transaction details of the embodiments of the present invention, there will be a deposit and withdrawal history between the online deposit and withdrawal parties, and if there is an abnormality after the deposit and withdrawal transaction, for example, in the case of an abnormal transaction such as voice phishing, it is recognized that the transaction is wrong, and there is no further transaction. will be. If such normal transaction records are accumulated several times, trust in the other party can be formed. However, if there is only a transaction record with a small number of parties, there is a possibility that incorrect user authentication or abuse is possible due to a conspiracy between the small number of parties. As the more abuse, the likelihood of misuse decreases, the reliability may increase. In this way, multiple counterparties can confirm the identity of a specific user based on a financial transaction with a specific user (name and phone number).

Regarding the product transaction details of the present invention, the identity verification information of the open market (entry-type Internet shopping mall), which is also an intermediary agency, is not used, but the user identity is confirmed through real sellers located in the open market.

In addition, when a consumer makes a payment after purchasing a product, the seller sends the product. The consumer will provide basic information in the form of [Name Hong Gil-dong, phone number 1234-5678] to the seller and receive the goods through courier. The seller can remit the payment without abnormality and, once the delivery of the goods to the consumer is completed, the seller can express his or her intention to confirm the identity of the user. The greater the number of sellers, the higher the likelihood of verifying their identity. The consumer is configured to provide financial transaction information and product transaction information details to the system of the present invention upon joining the system of the present invention.

The provisions provided by the user may include the time of transaction, counterparty, amount, transaction period, type or type of product, payment method, and address for receiving goods. In the system of the present invention, it is possible to analyze the provided details to analyze whether there is a certain pattern in the past transaction details, the recent several months history, the seasonal transaction details, etc., and the type or type of goods, the pattern of the preferred seller, etc. can be analyzed. have.

In addition, there may be a payment method (card, cash, points, etc.) that a consumer prefers when making payment. In particular, since a card can mainly use a card of a specific company, a specific pattern can be analyzed in the payment method as well.

Therefore, the pattern may be the same or similarity with the person's past transaction details, and if the pattern of several consumers is analyzed to form a big data, the items such as a specific age group, gender, region, education, occupation, etc. are classified and matched with other people. Similar patterns can be found.

In addition, in commodity transactions, the courier company is used in connection with the receipt of goods, so the courier company's product delivery information [name, phone number, address] can be used as an additional factor in the identity verification work. That is, if authentication of the courier company is added in addition to the seller of the product transaction, the reliability of identity verification can be further increased.

1 is a schematic configuration diagram of an embodiment of an identity authentication system using transaction details of the present invention.

As shown in Fig. 1, the identity authentication system using the transaction details of the present invention receives and manages the user's authentication request information including the user's user information, the user's online financial transaction information, and e-commerce information, and the authentication The counterparty information included in the request information is used to request the identity verification of the user who is a trader to accumulate and store the identity verification information of the user provided from the counterparty, and the transaction-related identity attribute data extracted from the counterparty identity verification information and transaction details. An authentication management computer 1000 that extracts and requests identity authentication, receives identity confirmation information, and performs and manages user authentication based on the same; A transaction party data storage unit 2100 that stores and manages user information and counterparty information as a trader, and a Geumwoong transaction data storage unit 2200 that stores and manages online financial transaction information of a user provided by a user requesting user authentication. ), and a transaction-related data storage computer 2000 including an electronic commerce data storage unit 2300 for storing and managing electronic commerce information of a user provided by a user requesting user authentication; A financial transaction identity information storage unit 3100 that stores user identity verification information provided by counterparts of the online financial transaction, and e-commerce identity information that stores user identity confirmation information provided by counterparties of the e-commerce transaction. The financial transaction or e-commerce-related identity extracted based on the storage unit 3200 and the financial transaction data and e-commerce data provided by the user and the financial transaction-related identification information and e-commerce-related identification information provided by the counterparty An identity-related data storage computer 3000 including an identity attribute data storage unit 3300 for storing attribute data and an identity authentication data storage unit 3400 for storing and updating identity authentication information of users; A trader terminal 4000 for requesting user authentication while providing user information, financial transaction, and transaction history information of electronic commerce to the authentication management computer 1000; At least one financial transaction counterparty terminal (5000) for providing identification information of a user who is a financial trader to the authentication management computer (1000) at the request of the authentication management computer (1000); At least one e-commerce counterpart terminal 6000 for providing identification information of a user who is an e-commerce trader to the authentication management computer 1000 at the request of the authentication management computer 1000; According to the request of the authentication management computer 1000, the user who is an e-commerce trader delivers the product purchased through the e-commerce to the address of the user, and sends the identification information of the user who is the product recipient to the authentication management computer 1000. At least one deliverer terminal 6500 provided as; Received a user's identity authentication request from the authentication management computer 1000 and analyzed the identity attribute data related to financial transaction or e-commerce extracted based on the identity confirmation information related to financial transaction and the identity confirmation information related to e-commerce provided by the counterparty And a data analysis computer 7000 that generates user identity authentication information based on consistency with identity attribute data related to financial transactions or e-commerce transactions. Based on the financial transaction details or e-commerce transaction details information collected from the identity-related data storage computer 3000, identity authentication-related big data is stored and stored in the data analysis computer 7000. An identity authentication big data storage unit 8000 for providing necessary data; Identity verification information and transaction details provided by the counterparty, which the data analysis computer 7000 analyzed based on the financial transaction and e-commerce related information included in the big data in the identity authentication big data storage unit 8000 An attribute data analysis information storage unit 9000 that stores identity attribute data for calculating consistency with the identity attribute data extracted from; The user, who is a trader, and the counterparty of the user access and manage the user interface that is output for user authentication, and store data such as transaction details, identity authentication details, and user authentication details so that the user and the user's counterparty can check. It is a configuration including a cloud computer system 9500 that provides and manages each possible storage space.

The authentication management computer 1000 may be configured with at least one server computer having a communication means and capable of executing a computer program or a web program.

The transaction-related data storage computer 2000 and the identity-related data storage computer 3000 may be configured as a database management system (DBMS) that stores and manages data as a database.

In addition, the transaction-related data storage computer 2000 and the identity-related data storage computer 3000 may be configured as one storage computer, or may be configured as a plurality of separate storage computers.

The trader terminal 4000, the financial transaction counterparty terminal 5000, and the e-commerce counterparty terminal 6000 have a communication means, and a smartphone, tablet computer, or personal computer (PC) capable of executing an application or web program. , It may be configured as a terminal such as a laptop. The application program or web program included in the trader terminal 4000 may be configured as a user authentication approval request means for requesting user authentication approval from the authentication management computer 1000, and the financial transaction counterpart terminal 5000 And the application program or web program provided in the e-commerce counterpart terminal 6000 is the authentication management computer with information such as identity verification information and transaction details based on the transaction details of the requester of the user authentication to the authentication management computer 1000. It may be composed of means for providing identification data to be provided to (1000).

The above configuration of the present invention is performed by the user's personal information (name and mobile phone number) and the user by outputting, for example, a user authentication approval request means managed by the authentication management computer 1000 by the trader terminal 4000 When a transaction details information including counterparty information of an online financial transaction and e-commerce transaction is entered and user authentication is requested, the authentication management computer 1000 receives the counterparty information from the counterparty information included in the received user authentication request information. The user information is transmitted by referring to the communication means (mobile phone number, e-mail address, SNS information, etc.) included in the information and e-commerce counterpart information to request identification of the user. The authentication management computer 1000 receives and stores user identity verification information provided from the counterparties. The authentication management computer 1000 extracts user identity attribute data in relation to a financial transaction or e-commerce transaction from the online financial transaction and e-commerce transaction history between the counterparties and the user who have confirmed the identity of the user, and extracts the user information and the extracted data. The identity attribute data is transmitted to the data analysis computer 7000 to request identity authentication of the user. The data analysis computer 7000 collects or analyzes and stores various identity attribute data that can be used to authenticate identity of traders related to financial transactions or e-commerce transactions. Preferably, data stored in the financial transaction identity information storage unit 3100, the electronic commerce identity information storage unit 3200 stored in the identity-related data storage computer 3000, or the financial transaction of the transaction-related data storage computer 2000 By collecting the data stored in the data storage unit 2200 and the e-commerce data storage unit 2300, constructing big data necessary for identity authentication, storing it in the identity authentication big data storage unit 8000, and storing the data analysis computer 7000 ) Can be used for user identity authentication while extracting the identity attribute data related to the financial transaction or e-commerce transaction using an artificial intelligence (AI) program or algorithm equipped with) and storing it in the attribute data analysis information storage unit 9000. It is good to have it. However, the present invention is not limited thereto, and of course, the data analysis computer 7000 may store and utilize various identity attribute data provided from outside or collected by itself.

The authentication management computer 1000 derives identity verification data from various counterparties through repeated online financial transactions and e-commerce transactions of the user, and accumulates identity authentication information through the user's transaction details, and the reliability of the user's identity You can act to increase it.

In addition, the authentication management computer 1000 is the identity authentication information of the user secured by the action of the counterparty and the data analysis computer 7000, the transaction counterparty terminal 4000, the financial counterparty terminal 5000, or the e-commerce counterpart Information can be shared by being distributed and stored in the storage space of the terminal 6000 and the authentication management computer 1000.

The data analysis computer 7000 may be configured with at least one server computer having a communication means and capable of executing an artificial intelligence (AI) related computer program or web program.

In the embodiment of the present invention, the cloud computer system 9500 may be configured as an option by adding or separating as necessary.

2 is a schematic configuration diagram of an embodiment of an authentication management computer that is a main part of an identity authentication system using transaction details of the present invention.

As shown in Fig. 2, the configuration of the authentication management computer 1000 of the present invention, preferably a web program or computer program mounted on the authentication management computer 1000, is a member subscription to the system of the present invention or a non-member service. A trader member who stores and manages basic information of traders, including user member information, the user's online financial transaction counterparty information, and e-commerce counterparty information, preferably name and mobile phone number information. An information management module 1100; After registering as a member to use the identity authentication system of the present invention, a user with transaction details of online financial transactions or e-commerce transactions enters the type of information set in the user authentication approval request means output to the trader's terminal to perform user authentication. An authentication request information management module 1050 for receiving, storing and managing user authentication request information upon request; A financial transaction information management module 1200 for storing and managing the user's online financial transaction information input from the user's trader terminal; An e-commerce information management module 1250 for storing and managing the user's e-commerce transaction information input from the user's trader terminal; A product delivery information management module 1300 that stores and manages information on a deliverer for delivering a product purchased by a user through an electronic commerce transaction inputted from the user's transaction terminal to a delivery destination of the user; A user identity confirmation information management module 1350 for receiving, storing and managing user identity confirmation information provided by an online financial transaction counterpart, an electronic commerce counterpart, or a product delivery party at the request of the authentication management computer; A transaction information big data management module 1400 that collects, stores, and manages the user's identity verification data provided by various counterparts of various online financial transaction information and e-commerce information of various users; An identity authentication request information management module (1450), wherein the authentication management computer receives a user authentication request from users and manages information for which identity authentication is requested with a data analysis computer; An identity authentication information management module 1500 for receiving, storing and managing the identity authentication information of the user generated by the data analysis computer analysis according to the identity authentication request of the authentication management computer; The identity verification data of the user provided by the counterparty or the shipper and the information of the counterparty and the deliverer are encrypted and stored, and when the contents are to be analyzed, the identity verification is decrypted and analyzed and stored again after analysis processing. A data security management module 1550; In order to prevent user authentication from being performed by a user other than the user for fraudulent purposes, the name of the authentication requester in use is confirmed through a bank account opened in the name of the user who is the authentication requester, or A fraud prevention information management module 1600 for managing fraud prevention means for checking the validity of the name of the mobile phone; It is a configuration including a counterparty benefit information management module 1650 that manages the policy and information of benefits granted to the financial transaction counterpart, the e-commerce counterpart, and the deliverer who participated in the user's identity verification.

By taking measures such as giving a strong penalty to a user who is illegal to confirm the user's identity or subtracting a reliability score indicator, the motivation for illegal use of the identity authentication system of the present invention can be blocked.

3 is a schematic configuration diagram of an embodiment of an authentication request information management module, which is a main part of an identity authentication system using transaction details of the present invention.

As shown in FIG. 3, the authentication request information management module 1050 of the present invention includes an authentication requester data management unit 1060 that manages user information including the name and mobile conversion number of a user requesting user authentication among user members. Wow; The configuration includes a user transaction details management module 1070 that stores and manages the user's online financial transaction information or e-commerce transaction information provided by the user when requesting user authentication.

Online financial transaction information or e-commerce transaction information provided by the user is, for example, the time of transaction, counterparty (remittance object or product seller), transaction amount, transaction cycle, product type or type, payment method, product delivery address. And the like.

An example of a configuration in which the user provides online financial transaction and electronic commerce transaction details information to the authentication management computer upon requesting user authentication has been described, but is not limited thereto. When a user requests authentication, the authentication management computer is provided with information on the online financial transaction institution and the electronic commerce system that the user transacts with, and their access user information, and the authentication management computer uses the user access information. It may be configured to access financial transaction institutions and e-commerce systems to retrieve user transaction details.

4 is a schematic configuration diagram of an embodiment of a financial transaction information management module, which is a main part of the identity authentication system using transaction details of the present invention.

As shown in Fig. 4, the financial transaction information management module 1200 of the present invention extracts, stores, and manages the counterparty information (name and mobile phone number, etc.) from the online financial transaction information provided by the user. An information management module 1210; A financial transaction pattern analysis information management module 1220 that accumulates and manages online financial transaction information provided by the user, analyzes, stores, and manages patterns such as the user's past financial transaction details, recent months transaction details, and seasonal transaction details. It is a configuration that includes.

5 is a schematic configuration diagram of an embodiment of an electronic commerce information management module, which is a main part of the identity authentication system using transaction details of the present invention.

As shown in FIG. 5, the e-commerce information management module 1250 of the present invention extracts, stores, and manages seller information (name and mobile phone number, etc.) that is a counterparty among e-commerce transaction information provided by a user. A transaction counterparty information management module 1260; It accumulates and manages e-commerce transaction information provided by the user, and includes the user's past transaction details, recent months transaction details, seasonal transaction details, payment methods (credit card, account transfer, non-bankbook deposit, points, etc.) and preferred seller information. It is a configuration including an e-commerce pattern analysis information management module 1270 that analyzes, stores, and manages the pattern.

6 is a schematic configuration diagram of an embodiment of a user identity confirmation information management module, which is a main part of the identity authentication system using transaction details of the present invention.

As shown in Fig. 6, the user identity confirmation data management module 1350 of the present invention is a financial transaction counterparty confirmation data management module that receives, stores, and manages the identity confirmation information of the user provided by the counterpart of the user's online financial transaction. (1360) and; An e-commerce counterpart verification data management module 1370 for receiving, storing, and managing user identity verification information provided by a seller, which is a counterparty of the user's e-commerce transaction; Includes a shipper verification data management module 1380 that receives, stores, and manages user identity verification information provided by a shipper (courier company, etc.) who delivers the product purchased by the user through e-commerce to the delivery destination specified by the user. It is a configuration.

In the embodiment of the identity authentication system using the transaction details of the present invention, the counterpart of the online financial transaction can confirm the identity of the user, and the use of the confirmation information is, for example, sending and receiving a certain amount to the online financial system. In financial transactions, the counterparty who is the recipient of the amount is a person who knows the name of the remittance user and the remittance bank information, so the counterparty trusts the user who is the remitter, and the remittance person knows the counterparty's bank information and name, etc. Because it is a transaction, it can be viewed as a relationship of trust in the counterparty.

In addition, the counterparty of the e-commerce transaction can confirm the identity of the user and use the confirmation information, for example, when a user purchases a product in an online e-commerce system and makes a payment, and the product seller delivers the product normally to the user. In the state of receiving normally, since the seller and the buyer know each other's information, the trust can be seen as a built-in state, so the information that the buyer, who is the user, provided by the counterparty seller, can be trusted. to be.

In addition, the person who sends the product purchased by the user through the e-commerce system knows the user's name, phone number, and delivery address, and if the product is delivered normally, the user who is the purchaser and the deliverer have a trust relationship with each other, so the delivery Information confirming the identity of the self-user can be trusted.

7 is a schematic configuration diagram of an embodiment of a transaction information big data management module, which is a main part of the identity authentication system using transaction details of the present invention.

As shown in FIG. 7, the transaction information big data management module 1400 of the present invention analyzes the pattern of financial transactions by collecting information included in his or her online financial transaction details provided by users in order to obtain user authentication. A financial transaction big data management module 1410 that constructs and manages the information as financial transaction-related big data; An e-commerce big data management module (1420) that collects information included in the user's e-commerce transaction details provided by users to receive user authentication, analyzes product transaction patterns, and builds and manages the information as e-commerce-related big data. ).

8 is a schematic configuration diagram of an embodiment of an identity authentication information management module, which is a main part of an identity authentication system using transaction details of the present invention.

As shown in Fig. 8, the identity authentication information management module 1500 of the present invention includes an identity authentication data management module 1510 for receiving, storing, and managing identity authentication information of a user transmitted from the data analysis computer; A user authentication information management module (1520) for generating and managing the authentication of the user who has requested authentication based on the identity authentication information of the user as user authentication information, and transmits and manages the authentication information to the trader terminal; The configuration includes a user reliability information management module 1530 that adjusts and manages the user's identity reliability based on the cumulative value of identity confirmation information of counterparties with respect to the user.

Reliability of a person who has received user authentication approval managed by the user reliability information management module 1530 can be given a reliability index score of, for example, 80 points when the initial user authentication is approved, and the identity of the counterparty can be confirmed later. Increasingly, when the data is further analyzed and authenticated by the data analysis computer, a reliability index score may be additionally assigned according to a predetermined criterion. A predetermined criterion for adding an index score of reliability can be set in proportion to the number of items including, for example, the number of counterparties participating in identity verification, and a value proportional or inversely proportional to the user average of each item. It can be determined based on.

9 is a schematic configuration diagram of an embodiment of a data analysis computer, which is a major part of embodiments of an identity authentication system using transaction details of the present invention.

As shown in FIG. 9, the data analysis computer 7000 of the present invention may be configured with an artificial intelligence (AI) computer program.

An analysis target data collection management module that collects and manages attribute data related to identity authentication in online financial transaction information and e-commerce transaction information from the transaction-related data storage computer 2000, the identity-related data storage computer 3000, or an external medium ( 7100) and; A big data management module 7200 for each analysis pattern for constructing and managing the analyzed data as big data by analyzing the data collected by the analysis target data collection management module 7100 in a predetermined classification pattern; A transaction details pattern data management module 7300 that receives transaction details information of a transaction counterpart who provided the user's identity confirmation information, analyzes and manages patterns for each predetermined classification; A pattern data consistency calculation management module 7400 for calculating a consistency between the analysis pattern data of the transaction details pattern data management module 7300 and the analysis pattern data extracted from the big data management module 7200 for each analysis pattern; An identity authentication information generation management module 7500 that generates identity authentication information of a user and provides the identity authentication information to the authentication management computer 1000 when the consistency of the calculated analysis pattern data is greater than or equal to a set value; When each component of the data analysis computer 1000 is executed by an artificial intelligence (AI) computer program, an error determination method when an error occurs in the artificial intelligence function, and the operation of the data analysis computer 1000 is performed by artificial intelligence ( AI) is excluded and it is a configuration including an artificial intelligence error information management module 7600 that manages the method when it is to be manually set and the problem solving method due to the rapid development of artificial intelligence.

In the artificial intelligence error information management module 7600, the determination of an artificial intelligence operation error, manual operation setting, and resolution of problems caused by strong artificial intelligence are performed by using a collective intelligence convergence system (registered patent No. 10-1804960 of the applicant), respectively. It can be used to control artificial intelligence.

In addition, pattern analysis in the transaction details of the user requesting user authentication and the construction of big data of the pattern analyzed in the accumulated user authentication-related transaction details of various users can be performed in the authentication management computer 1000 or in the data analysis computer 7000. It can be configured so that it can be selectively performed according to the system environment.

10 is a schematic configuration diagram of an embodiment of an identity authentication information generation management module, which is a main part of a data analysis computer of the present invention.

As shown in Fig. 10, the identity authentication information generation management module 7500 of the present invention includes a user authenticated by various existing means such as an authentication certificate related to identity authentication and mobile phone verification, and an online financial transaction counterpart of the user or an electronic commerce transaction. A user transaction details analysis management module 7510 for analyzing and managing transaction details between counterparties; A reference setting information management module 7520 for setting and managing a standard for whether the identity of a user should be confirmed by at least a number of counterparties according to the type of transaction; According to the transaction details analysis contents in the user transaction details analysis management module 7510 and the criteria set in the standard setting information management module 7520, statistics are generated by analyzing the characteristics of the transaction details between the person who has been authenticated and the counterparty. A transaction detail characteristic statistics management module 7530 to be managed; A counterparty average data management module 7540 that calculates and manages average data of the user or all members of the counterparty transaction item; The configuration includes an identity determination information management module 7550 that compares and analyzes similarities and differences with the average data for a user's authentication request, determines whether they are identical, and manages the result.

In the reference setting information management module 7520, for example, it is divided into a financial transaction counterparty by type of online financial transaction, a counterparty by electronic commerce transaction product, and at least two counterparties of online remittance, and transactions of 50,000 won or less in e-commerce transaction. The criteria can be set with at least 3 counterparties and at least 2 counterparties for product transactions of 100,000 won or more.

In addition, in the transaction history characteristic statistics management module 7530, for example, the characteristics of the transaction are the number of counterparties, the total period of the transaction, the transaction period, the number of transactions, the amount, the product type or type, the payment method and the delivery destination of the goods, etc. Can be mentioned. Mathematical main values such as the average, standard deviation, maximum value, minimum value, etc. of each item related to such transaction characteristics may be calculated or frequently used expressions may be stored in the attribute data analysis information storage unit 9000.

The average data management unit 7540 for each counterparty may write, for example, as shown in Table 1 below in order to calculate the average data of the divided transaction items for each counterparty.

division Financial transaction Commodity product transaction Service Product Transaction Number of counterparties 3 people 7 people 10 people Total transaction period 350 days 70 days 280 days Trading cycle 5 days 12 days 2 days Number of transactions 2 times/week Once/week 3 times/week Total time required for exchange 15 minutes 90 minutes 3 minutes Type of transaction remittance Purchase payment Purchase payment

The identity determination by the identity determination information management unit 7550 may be determined by reinforcing other item criteria than the average when a value of a specific item, such as the number of counterparties, is less than the average. On the other hand, if the number of specific items, such as the number of counterparties, is greater than the average, the sameness can be determined by relaxing the criteria for other items than the average.

In the case of verification of the identity of a corporation (company) where the authentication requester is not an individual in the embodiment of the present invention, for example, taking into account that the corporation has no fear of leakage of personal information and the method of confirming the identity of the corporation is well established in the existing system. Standards such as using the corporate address instead of the user's phone number can be set differently, or the identity authentication method can be applied by easing it than in the case of an individual.

11 is a flowchart illustrating an embodiment of an identity authentication method using transaction details of the present invention.

As shown in FIG. 11, the identity authentication method using the transaction details of the present invention includes user information including name and phone number information of the user from the transaction terminal of the authentication requester for which the authentication management computer wants to receive user authentication, and at least one Receiving a password and storing it as a member (S100); User including the user's name and mobile phone number and password, the user's online financial transaction information and e-commerce information, financial transaction and e-commerce counterpart information use or access consent from the authentication management computer transmitted from the trader's terminal Receiving authentication approval request data (S110); Transmitting, by the authentication management computer, user identity authentication request information including the name and phone number information of the authentication requester included in the user authentication approval request data to the user's counterparty terminal for financial transaction or the counterparty terminal for electronic commerce (S120); Storing, by the authentication management computer, user identity verification information provided from the financial transaction counterparty terminal or the e-commerce counterparty terminal (S130); The authentication management computer extracts the user's identity authentication-related attribute data from the identity verification information, user information, and transaction details of financial transactions and e-commerce transactions provided by the user, and sends it to the data analysis computer to request the user's identity authentication information. And step S140; Calculating, by the data analysis computer, a consistency between attribute data related to identity authentication of a user provided by the authentication management computer and attribute data related to identity authentication of a trader in a financial transaction or electronic commerce owned by the authentication management computer (S150); Generating identity authentication information of a user when the consistency calculated by the data analysis computer is equal to or greater than a set value, and transmitting it to the authentication management computer (S160); Storing the identity authentication information of the user transmitted from the data analysis computer by the authentication management computer, approving user authentication based on this, and transmitting it to the trader terminal (S170); Generating, by the authentication management computer, a ledger including identity verification information of a user's counterparty, identity authentication information transmitted from a data analysis computer, and user authentication approval information (S180); And storing the generated ledger by the authentication management computer and distributing and storing it in the storage means of the user and the counterparties that have verified the identity of the user (S190).

In addition, the user authentication approval request data provided by the user further includes information on the deliverer of the product transacted in the electronic commerce transaction, and the identity verification data of the user provided by the authentication management computer is provided by the authentication management computer. Based on the user's identity confirmation data including user information and transaction details, user identity confirmation data provided by the deliverer is further included.

In addition, the identity authentication information of the user stored and managed by the authentication management computer is associated with the reliability level given according to the quantity and quality of each identity authentication information, and the identity of the user provided by the financial transaction counterpart or the e-commerce counterpart. The reliability level is updated according to the accumulated data amount of the confirmation data.

12 is a flowchart illustrating another embodiment of an identity authentication method using transaction details of the present invention.

As shown in Figure 12, the identity authentication method using the transaction details of the present invention, the data analysis computer analyzes by various types of financial transactions including financial transaction details and e-commerce details of a user who is an authentication requester, and by various types of e-commerce transactions. Managing step (S200) and; Managing, by the authentication management computer, the number of counterparties for financial transactions or e-commerce counterparties of the user who will be provided with the user's identity verification data (S210); Generating and managing statistics by pattern analysis in the transaction details between the user and the counterparty according to the contents of the analysis of the transaction details of the financial transaction or the electronic commerce transaction by the authentication management computer and the set criteria (S220); Calculating and managing average data of all users or members of transaction details items for each counterparty by using statistics calculated through the pattern analysis (S230); The configuration includes a step of deriving identity authentication information by comparing and analyzing similarities and differences with the average data with respect to the user's authentication request (S240).

The embodiments of the present invention described above describe some of the various embodiments related to identity authentication using the transaction details of the present invention.

Using the counterparty information provided by the user who wants to authenticate the user in the authentication management computer of the present invention, the user's identity verification information is secured from the counterparty, and the transaction details between the counterparty and the user who confirmed the identity of the user Pattern analysis is performed on the basis of the included various information to store the analysis data, and the consistency of the analysis data, which is the pattern analysis result classified by transaction details from the data of various transactions of various users, and the analysis data, which is the pattern analysis result of the stored user, is verified. It is natural that various embodiments included in the technical idea of generating user identity information on the basis are included in the protection scope of the present invention.

1000: authentication management computer
2000: Transaction-related data storage computer
3000: identity-related data storage computer
4000: trader terminal
5000: financial transaction counterparty terminal
6000: e-commerce counterparty terminal
7000: data analysis computer
8000: Identity authentication big data storage unit
9000: attribute data analysis information storage unit
9500: Cloud computer system

Claims (10)

In a system including an authentication management computer that performs user authentication online, the authentication management computer uses hardware resources to control the execution of stored programs,
Receive user authentication request data including user personal information and at least one counterparty information provided from the user terminal,
Transmitting the user's identity verification request data to at least one counterparty terminal included in the at least one counterparty information,
Receive user identity verification information provided from at least one counterparty terminal,
Extracting the identity attribute data of the user related to the transaction based on the identity confirmation information of the user,
An identity authentication system using transaction details, characterized in that, based on the consistency between the user's identity attribute data and self-analysis or owned transaction-related identity attribute data. In a system including an authentication management computer that performs user authentication online, the authentication management computer uses hardware resources to control the execution of stored programs,
Receive user authentication request data including user's personal information and phone number provided from the user terminal,
Search at least one counterparty information of the user based on the user's personal information,
Transmitting the user's identity verification request data to at least one counterparty terminal included in the at least one counterparty information,
Receive user identity verification information provided from at least one counterparty terminal,
Extracting the identity attribute data of the user related to the transaction based on the identity confirmation information of the user,
An identity authentication system using transaction details, characterized in that, based on the consistency between the user's identity attribute data and self-analysis or owned transaction-related identity attribute data. The method according to claim 1 or 2,
The counterparty information is an identity authentication system using transaction details, characterized in that it includes information on the counterparty of the user's financial transaction. The method according to claim 1 or 2,
The counterparty information is an identity authentication system using transaction details, characterized in that it includes information about the user's e-commerce counterparty. The method according to claim 1 or 2,
The counterparty information is an identity authentication system using transaction details, characterized in that it includes information about a delivery person of a product related to a user's electronic commerce transaction. The method according to claim 1 or 2,
The transaction-related identity attribute data,
Identity authentication system using transaction details, characterized in that it includes financial transaction pattern information generated from the user's financial transaction details and financial transaction pattern information owned by the authentication management computer. The method according to claim 1 or 2,
The transaction-related identity attribute data,
Identity authentication system using transaction details, characterized in that it includes e-commerce pattern information generated from the user's e-commerce transaction details and e-commerce pattern information owned by the authentication management computer. In the identity authentication method using transaction details in a system including an authentication management computer that performs user authentication online,
Receiving, by the authentication management computer, user authentication request data including user personal information and at least one counterparty information provided from a user terminal;
Transmitting, by the authentication management computer, user identity verification request data to at least one counterparty terminal included in the at least one counterparty information;
Receiving, by the authentication management computer, user identity verification information provided from at least one counterparty terminal;
Extracting, by the authentication management computer, identity attribute data of a transaction-related user based on the identity confirmation information of the user;
And performing, by the authentication management computer, the user's identity authentication based on the consistency between the identity attribute data of the user and the identity attribute data related to the self-analysis or owned transaction. In the identity authentication method using transaction details in a system including an authentication management computer that performs user authentication online,
Receiving, by the authentication management computer, user authentication request data including user's personal information and phone number provided from a user terminal;
Inquiring, by the authentication management computer, at least one counterparty information of the user based on the personal information of the user;
Transmitting, by the authentication management computer, user identity verification request data to at least one counterparty terminal included in the at least one counterparty information;
Receiving, by the authentication management computer, user identity verification information provided from at least one counterparty terminal;
Extracting, by the authentication management computer, identity attribute data of a transaction-related user based on the identity confirmation information of the user;
And performing, by the authentication management computer, the user's identity authentication based on the consistency between the identity attribute data of the user and the identity attribute data related to the self-analysis or owned transaction. The method according to claim 8 or 9,
The counterparty information above is,
Identity authentication method using transaction details, characterized in that it includes the user's financial transaction counterparty information or e-commerce counterparty information.

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