KR102431545B1 - Identity authentication system using the transaction details and method thereof - Google Patents

Abstract

The present invention provides an authentication management computer and identity authentication method for performing identity authentication using a user's transaction history. In the present invention, the authentication management computer controls execution of a stored program by utilizing hardware resources, but the user's authentication request data receiving, receiving the user's identity confirmation information provided by the user's counterparty, analyzing the user's transaction pattern information with the counterparty, and analyzing the user's transaction pattern information and the transaction pattern information possessed by the user. Provided are an authentication management computer for performing user authentication based on consistency and an identity authentication method using transaction details using the same.

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. More specifically, 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, public certificate authentication, mobile phone authentication and OTP It eliminates inconveniences such as the use of specific devices such as the use of specific devices and presentation of identification cards, etc., and gradually secures the reliability of authentication to prevent user authentication for illegal methods and purposes based on the reliability, and enables users to conveniently and quickly In order to be able to authenticate, when a user conducts an online financial transaction or e-commerce transaction, a transaction can be repeated by verifying the identity of the user through pattern analysis based on the transaction details and records with the counterparty, who is the counterparty of the trust relationship. In the course of online financial or e-commerce transactions of users, the process of user authentication is simplified and expedited by accumulating reliability of identity. It relates to a system and method for authenticating.

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

Due to the inconvenience and security problems of the login method, the public authentication method, or the authentication method using a device such as a mobile phone, which is widely used even today, various user authentication methods that exclude these user authentication methods have been developed and are being used.

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

The patented invention secures a user's friend list and an access request message from an unauthenticated user in user authentication, finds the same friend as the user's friend in the social network service in the secured friend list, and requests the user's authentication. This is a configuration that authenticates users. However, since the 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 checked whether the friend found on the social network service is a person in a position (trust relationship) to authenticate the user. There is no way to do this, so it is impossible to prevent a case where a friend who lacks a trust relationship authenticates the user for another purpose, and there is a problem that an error in reliable user authentication may occur.

Therefore, when users need to authenticate users in various online services such as online financial services, e-commerce transactions, online certificate issuance, and online electronic contracts, the reliability of authentication is gradually secured and the user is used for illegal methods and purposes based on the reliability. In order to prevent authentication and enable simple and quick user authentication, when a user conducts an online financial transaction or e-commerce transaction, through pattern analysis based on the transaction details and records with the counterparty, the trust relationship is established. User's identity confirmation information provided by the counterparty in the user's online financial transaction or e-commerce process, in which the user authentication procedure is gradually simplified and expedited by accumulating the reliability of the identity so that the transaction can be repeated by verifying the user's identity An invention related to a system and method for authenticating the identity of a user using a transaction history including

Republic of Korea Patent No. 10-1388251 (Registration Date: April 16, 2014)

SUMMARY OF THE INVENTION The present invention is to solve the problems of the prior art, and an object of the present invention is to create a transaction with user identity confirmation information of the counterparty on the premise that a sufficient trust relationship with the counterparty is established in an online financial transaction or e-commerce transaction. An object of the present invention is to provide an identity authentication system and method using transaction details for performing identity authentication of a user through pattern analysis such as details and records.

Another object of the present invention is to increase the reliability of the user's identity so that the user's identity authentication can be repeated through the pattern analysis of the user's transaction details and records. To provide a system and method.

Another object of the present invention is to request user authentication by presenting online financial transaction details and e-commerce details information including personal information of the user's name and mobile phone number and counterparty information to the authentication management computer, and authentication The management computer collects the user's identity confirmation information from the counterparties of the user who made the authentication request and transmits the transaction history analysis data including this to the data analysis computer, and the data analysis computer analyzes the transaction history analysis data and various An object of the present invention is to provide an identity authentication system and method using transaction details for generating identity authentication information of a user based on consistency with identity authentication-related attribute data extracted from financial transactions and e-commerce details.

Another object of the present invention is that, whenever a user requests for authentication, the data analysis computer analyzes and retains identity attribute data with increased reliability extracted from identity confirmation information and transaction details of counterparties for the above purpose, and details of financial transactions and e-commerce transactions held by the data analysis computer. It is to provide an identity authentication system and method using the transaction history that uses identity authentication information generated based on the consistency with the identity attribute data analyzed, but performs simplified user authentication in consideration of the increased data reliability.

Another object of the present invention is to distribute and store the transaction details, purchase details, and identity authentication history 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 the 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, receiving and managing the user's authentication request information including the user's user information, the user's online financial transaction information and e-commerce information, , by making a request to confirm the identity of the user who is a trader with the counterparty information included in the authentication request information, accumulate and store the identity confirmation information of the user provided from the counterparty, and related to the transaction extracted from the identity confirmation information of the counterparty and the 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 this information; A transaction party data storage unit that stores and manages user information as a trader and counterparty information, a Kumwoong transaction data storage unit that stores and manages online financial transaction information of a user provided by a user requesting user authentication, and user authentication a transaction-related data storage computer including an e-commerce data storage unit for storing and managing the user's e-commerce information provided by the requesting user; a financial transaction identity information storage unit for storing user identity confirmation information provided by counterparties in the online financial transaction; and an e-commerce identity information storage unit for storing user identity confirmation information provided by counterparties in the e-commerce transaction; , Sameness that stores financial transaction data and e-commerce data provided by the user and identity attribute data related to financial transactions or e-commerce extracted based on the financial transaction-related identity confirmation information and e-commerce-related identity confirmation information provided by the counterparty an identity-related data storage computer comprising 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 transaction history information of e-commerce to the authentication management computer; at least one financial transaction counterparty terminal providing identity confirmation information of a user who is a financial trader to the authentication management computer in response to a request from the authentication management computer; at least one e-commerce counterpart terminal for providing identity confirmation information of a user who is an e-commerce trader to the authentication management computer in response to a request from the authentication management computer; In response to a request from the authentication management computer, a delivery company that delivers a product purchased by a user who is an e-commerce trader through e-commerce to the address of the user in response to a request from the authentication management computer provides identity confirmation information of a user who is a product recipient to the authentication management computer with the delivery terminal; Financial transaction or e-commerce-related identity attribute data extracted based on the financial transaction-related identity confirmation information and e-commerce-related identity confirmation information provided by the counterparty after receiving the user's identity authentication request from the authentication management computer, and self-analysis and holding a data analysis computer that generates identity authentication information of a user based on consistency with identity attribute data related to a transaction or e-commerce; Identity that stores identity authentication-related big data constructed from various data included in financial transaction details or e-commerce transaction details 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 analyzed on the basis of the financial transaction and e-commerce related information included in the big data in the identity authentication big data storage unit, the identity confirmation information provided by the counterparty and the identity attribute data extracted from the transaction details; an attribute data analysis information storage unit for storing identity attribute data for calculating the consistency of ; It manages a user interface that is output for user authentication by accessing the user, who is a trader, and a counterparty of the user, and stores data such as transaction details, identity authentication details and user authentication details so that the user and the transaction counterparty of the user can check it. An identity authentication system using transaction details including a cloud computer system that grants and manages each available storage space is presented.

In addition, in a second aspect of the present invention, the authentication management computer receives the user information and at least one password including the user's name and phone number information from the transaction terminal of the authentication requester who wants to receive user authentication, and storing it as a member; ; A user including the user's name, mobile phone number, and password, the user's online financial transaction information and e-commerce information, and consent to use or access information on financial transactions and e-commerce counterparties, which the authentication management computer has transmitted from the transaction terminal receiving authentication approval request data; 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 financial transaction counterpart terminal or e-commerce counterpart terminal; storing, by the authentication management computer, user identity confirmation information provided from the financial transaction counterpart terminal or the electronic transaction counterpart terminal; The authentication management computer extracts the user's identity authentication-related attribute data from the identity confirmation information, user information, and transaction history information of financial transactions and e-commerce provided by the user and transmits it to the data analysis computer to request the user's identity authentication information step of; calculating, by the data analysis computer, the consistency between the user's identity authentication-related attribute data provided by the authentication management computer and the identity authentication-related attribute data of a trader in a financial transaction or electronic commerce owned by the data analysis computer; 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 the same to the authentication management computer; storing, by the authentication management computer, the identity authentication information of the user transmitted from the data analysis computer, authorizing the user authentication based on this and transmitting the authentication information to the trader terminal; generating, by the authentication management computer, a ledger including identity confirmation information of the user's counterparty, identity authentication information transmitted from a data analysis computer, and user authentication approval information; An identity authentication method using transaction details is provided, including the step of storing the ledger generated by the authentication management computer and distributing the user and the transaction counterparts who have confirmed the identity of the user.

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 distributor of a product transacted in an electronic commerce transaction, and the authentication management computer The user identity confirmation data provided by the authentication management computer further includes the user identity confirmation data provided by the deliverer according to the user's identity confirmation request including user information and transaction details based on the deliverer information. An identity authentication method using transaction details characterized by the present invention is presented.

In addition, as a fourth aspect of the present invention, the user's identity authentication information stored and managed by the authentication management computer is linked to a reliability level granted according to the quantity and quality of each identity authentication information, and the financial transaction counterparty or electronic An identity authentication method using transaction details is provided, wherein the reliability level is updated according to the accumulated data amount of the identity confirmation data of the user provided by the transaction counterparty.

In addition, in a fifth aspect of the present invention, the data analysis computer comprising the steps of analyzing and managing various financial transaction types including the financial transaction details and e-commerce details of the user who is the authentication requester, and various e-commerce transaction types; managing, by the authentication management computer, the number of financial transaction counterparties or e-commerce counterparties of the user to whom the user's identity confirmation data is to be provided, based on a set standard; generating and managing statistics by analyzing, by the authentication management computer, a pattern in the transaction details between the user and the counterparty according to the analysis of the transaction details of the financial transaction or the electronic transaction and the set criteria; calculating and managing average data of all users or members of transaction details for each counterparty by using the statistics calculated through the pattern analysis; An identity authentication method using transaction details is presented, which includes the step of comparing and analyzing the similarity and difference with the average data for the user's authentication request to determine the identity and deriving identity authentication information.

According to the present invention, when a user needs to authenticate a user in various online services such as online financial service, e-commerce, online certificate issuance, and online electronic contract, the reliability of authentication is gradually secured, and based on the reliability, an illegal method and In order to prevent user authentication for the purpose of preventing user authentication, and to enable simple and quick user authentication, a pattern based on transaction details and records with the counterparty, who is the counterparty to whom a trust is established when a user conducts an online financial transaction or e-commerce transaction By verifying the identity of the user through analysis, the reliability of the identity is accumulated so that the transaction can be repeated, and there is an effect that the procedure of user authentication is gradually simplified and expedited,

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

1 is a schematic configuration diagram of an embodiment of the identity authentication system using the transaction details of the present invention.
2 is a schematic configuration diagram of an embodiment of the authentication management computer, which is the main part of the identity authentication system using the transaction details of the present invention.
3 is a schematic configuration diagram of an embodiment of the authentication request information management module, which is the main part of the identity authentication system using the 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 e-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 the transaction details of the present invention.
7 is a schematic configuration diagram of an embodiment of the transaction information big data management module, which is the main part of the identity authentication system using the transaction details of the present invention.
8 is a schematic configuration diagram of an embodiment of the identity authentication information management module, which is the main part of the identity authentication system using the transaction details of the present invention.
9 is a schematic configuration diagram of an embodiment of a data analysis computer, which is a main part of the identity authentication system using the transaction details of the present invention.
10 is a schematic configuration diagram of an embodiment of the identity authentication information generation management module, which is a main part of the data analysis computer of the present invention.
11 is a flowchart for explaining an embodiment of the identity authentication method using the transaction details of the present invention.
12 is a flowchart for explaining another embodiment of the identity authentication method using the transaction details of the present invention.

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

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 consist of hardware itself, or a computer program or web program that utilizes the hardware resources. For example, the authentication management computer of the present invention may consist of each configuration of hardware included in the authentication management computer, and may consist of a computer program or a web program executed by utilizing the hardware resources of the authentication management computer.

Accordingly, the terms '~ computer' and '~ terminal' used in the embodiments of the present invention sometimes refer to the configuration of the hardware itself, or to the configuration of a web program or 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 view that the term used in the embodiment of the present invention has a meaning in the function and operation of the term rather than a meaning.

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

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

Before describing the embodiment of the identity authentication system and method using the transaction details of the present invention, the motivation and key idea of the invention that is 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 in the embodiment of the present invention, there will be deposit and withdrawal details between the parties to the online deposit and withdrawal, and if there is an error after the deposit and withdrawal transaction, for example, in the case of an abnormal transaction such as voice phishing, the transaction will soon be recognized as wrong, and there will be no further transactions. will be. When such a number of normal transaction records are accumulated, 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 of wrong user authentication or misuse due to a conspiracy between the small number of parties. The lower the probability of abuse and misuse, the higher the reliability. In this way, multiple counterparties can verify the identity of a specific user based on a financial transaction with a specific user (name and phone number).

Also in relation to the product transaction details of the present invention, it is an invention in which user identity is confirmed through actual sellers in the open market, rather than using the identification information of the open market (entry type Internet shopping mall), which is also an intermediary.

In addition, if the consumer pays after purchasing the product, the seller sends the product. The consumer provides basic information in the form of [Name Hong Gil-dong, phone number 1234-5678] to the seller, and the goods are delivered via courier. Once the seller receives the payment without any problem and the delivery of the goods to the consumer is completed, the seller can express his/her consent to the user's identity verification. The greater the number of sellers, the higher the possibility of verifying the identity of the seller. The consumer is configured to provide financial transaction information and product transaction information details to the system of the present invention when subscribing to the system of the present invention.

The information provided by the user may include the time of the transaction, the counterparty, the amount, the transaction cycle, the type or type of product, the payment method, the address where the goods are received, and the like. In the system of the present invention, by analyzing the supply history, it is possible to analyze whether there is a certain pattern in the past transaction history, the history of recent months, the transaction history by season, etc. have.

In addition, there may be payment methods preferred by consumers (card, cash, points, etc.) when making a payment. In particular, since a card of a specific company can be mainly used, a specific pattern can also be analyzed in the payment method.

Therefore, the pattern can be the same or similar to one's past transaction history, and when big data is formed by analyzing the patterns of several consumers, it is possible to categorize items such as a specific age group, gender, region, educational background, occupation, etc. A similar pattern can be found in

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

1 is a schematic configuration diagram of an embodiment of the identity authentication system using the 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 the e-commerce information, and the authentication By requesting identity confirmation of a user who is a trader with the counterparty information included in the request information, the user's identity confirmation information provided from the counterparty is accumulated and stored, and transaction-related identity attribute data extracted from the counterparty's identity confirmation information and transaction details an authentication management computer 1000 for extracting and requesting identity authentication, receiving identity confirmation information, and performing and managing user authentication based on this information; A transaction party data storage unit 2100 for storing and managing user information as a trader and counterparty information, and a Kumwoong transaction data storage unit 2200 for storing and managing the user's online financial transaction information provided by the user requesting user authentication ) and a transaction-related data storage computer 2000 including an e-commerce data storage unit 2300 for storing and managing the user's e-commerce information provided by the user requesting user authentication; A financial transaction identity information storage unit 3100 for storing user identity confirmation information provided by counterparties in the online financial transaction, and e-commerce identity information for storing user identity confirmation information provided by counterparties in the e-commerce transaction The storage unit 3200 and the financial transaction data and e-commerce data provided by the user and the financial transaction-related identity confirmation information and e-commerce-related identity confirmation 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 and transaction details of financial transactions and electronic commerce to the authentication management computer 1000; at least one financial transaction counterparty terminal 5000 for providing identity confirmation information of a user who is a financial trader to the authentication management computer 1000 in response to a request from the authentication management computer 1000; at least one e-commerce counterpart terminal (6000) for providing identity confirmation information of a user who is an e-commerce trader to the authentication management computer (1000) in response to a request from the authentication management computer (1000); In response to the request of the authentication management computer 1000, the delivery person who delivers the goods purchased by the user who is an e-commerce transaction through e-commerce to the address of the user transmits identity confirmation information of the user who is the recipient of the goods to the authentication management computer 1000 at least one delivery terminal 6500 provided with; Financial transaction or e-commerce-related identity attribute data and self-analysis extracted based on the financial transaction-related identity confirmation information and e-commerce-related identity confirmation information provided by the counterparty after receiving the user's identity authentication request from the authentication management computer 1000 and a data analysis computer 7000 for generating identity authentication information of the user based on the consistency with the identity attribute data related to the financial transaction or e-commerce held; On the basis of the financial transaction details or e-commerce transaction information collected from the identity-related data storage computer 3000, the identity authentication-related big data constructed with various data included therein is stored, and the data analysis computer 7000 is stored in the data analysis computer 7000. an identity authentication big data storage unit 8000 that provides necessary data; Identity confirmation 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 for storing identity attribute data for calculating consistency with the identity attribute data extracted from ; It manages a user interface that is output for user authentication by accessing the user, who is a trader, and a counterparty of the user, and stores data such as transaction details, identity authentication details and user authentication details so that the user and the transaction counterparty of the user can check it. It is a configuration including a cloud computer system 9500 that provides and manages each possible storage space.

The authentication management computer 1000 may include 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 builds, 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 are provided with communication means, and a smart phone, tablet computer, personal computer (PC) in which an application program or a web program can be executed. , it may be configured as a terminal such as a notebook computer. The application or web program provided by 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 an application program or web program provided in the e-commerce counterpart terminal 6000 transmits information such as identity confirmation information and transaction details based on the transaction details of the requestor of the user authentication to the authentication management computer 1000, the authentication management computer It may be configured as an identity confirmation data providing means for providing to (1000).

In the above configuration of the present invention, the trader terminal 4000 outputs, for example, a user authentication approval request means managed by the authentication management computer 1000, so that the user's personal information (name and mobile phone number) and the user are performed. When user authentication is requested after inputting transaction history information including counterparty information of an online financial transaction and e-commerce transaction, the authentication management computer 1000 selects the counterparty information included in the received user authentication request information, the online financial transaction counterparty. 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 the e-commerce counterparty information to request confirmation of the user's identity. The authentication management computer 1000 receives and stores the identity confirmation information of the user 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 details between the transaction partners who have confirmed the identity of the user and the user information and the extracted 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 the identity of a financial transaction or e-commerce-related trader. Preferably, the 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 transaction-related data storage computer 2000 for financial transactions The data stored in the data storage unit 2200 and the e-commerce data storage unit 2300 are collected, the big data required for identity authentication is constructed, and stored in the identity authentication big data storage unit 8000, and the data analysis computer 7000 ) is equipped with an artificial intelligence (AI) program or algorithm to extract the identity attribute data related to the financial transaction or e-commerce and use it for the user identity authentication while stored in the attribute data analysis information storage unit 9000 it is good to have However, the present invention is not limited thereto, and the data analysis computer 7000 may store and utilize various identity attribute data provided from the outside or collected by itself.

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

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

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

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

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

As shown in Fig. 2, the configuration of the web program or computer program mounted on the authentication management computer 1000 of the present invention, preferably the authentication management computer 1000, is provided by joining the system of the present invention as a member or as a non-member. A trader member who stores and manages basic information of traders, including user member information who is a trader who accesses 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 a user with a transaction history of online financial transaction or e-commerce registers as a member to use the identity authentication system of the present invention, user authentication is performed by inputting the type of information set in the user authentication approval request means printed on the trader terminal. 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 for storing and managing delivery information that delivers products purchased by the user through e-commerce, input from the user's transaction terminal, to the user's delivery address; a user identity confirmation information management module 1350 for receiving, storing, and managing identity confirmation information of a user provided by an online financial transaction counterparty, an e-commerce counterparty, or a product delivery company at the request of the authentication management computer; a transaction information big data management module 1400 that collects, stores and manages as big data the identity verification data of the users provided by various counterparties of various online financial transaction information and e-commerce information of various users; an identity authentication request information management module 1450 in which the authentication management computer receives user authentication requests from users and manages information requesting identity authentication to 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 analysis by the data analysis computer in response to the identity authentication request of the authentication management computer; The identity confirmation data provided by the counterparty or the delivery company is encrypted and stored, and when the content is analyzed, it is decrypted and analyzed and then encrypted and stored again after the analysis process. a data security management module 1550; In order to prevent user authentication from being performed by a user other than the user to authenticate the user for illegal purposes, the name of the authentication requestor in use is checked through a bank account opened in the name of the user who is the authentication requester, or an anti-fraud information management module 1600 that manages anti-fraud means for checking the validity of the mobile phone's name; It is a configuration including a counterparty benefit information management module 1650 that manages policies and information on benefits granted to the financial transaction counterparty, the e-commerce counterparty, and the delivery person who participated in the user's identity verification.

The motive of illegal use of the identity authentication system of the present invention can be blocked by taking measures such as giving a strong penalty or deducting a reliability score index to the user who is illegal in confirming the identity of the user.

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

* As shown in FIG. 3, the authentication request information management module 1050 of the present invention is an authentication requester data management unit 1060 that manages user information including the name and mobile phone number of a user who has requested user authentication among user members. )Wow; The configuration includes a user transaction history management module 1070 for storing and managing the user's online financial transaction information or e-commerce transaction information provided by the user when user authentication is requested.

The online financial transaction information or e-commerce transaction information provided by the user may include, for example, the time of transaction, counterparty (remittance target or product seller), transaction amount, transaction cycle, product type or type, payment method, and product delivery address. and the like.

An example of a configuration in which the user provides online financial transaction and e-commerce transaction history information to the authentication management computer when requesting user authentication has been described, but the present invention is not limited thereto. When a user requests for authentication, the authentication management computer provides information on online financial transaction institutions and e-commerce systems that the user transacts with, and their access user information, and the authentication management computer uses the user access information to provide the online It may be configured to access a financial transaction institution and an e-commerce system to bring the user's 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 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 the online financial transaction information provided by the user, and analyzes, stores, and manages patterns such as the user's past financial transaction history, transaction history in recent months, and transaction history by season. configuration that includes

5 is a schematic configuration diagram of an embodiment of an e-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 the seller information (name and mobile phone number, etc.) that is the counterparty from the e-commerce transaction information provided by the user. a counterparty information management module 1260; It accumulates and manages the e-commerce transaction information provided by the user, and records the user's past transaction history, transaction history in recent months, transaction history by season, payment method (credit card, account transfer, direct 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 patterns.

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 the transaction details of the present invention.

As shown in FIG. 6 , the user identity confirmation data management module 1350 of the present invention 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 counterparty confirmation data management module 1370 for receiving, storing, and managing the user's identity confirmation information provided by the seller who is the user's e-commerce counterparty; Includes a delivery confirmation data management module 1380 that receives, stores, and manages user identity confirmation information provided by a delivery company (delivery company, etc.) that delivers a product purchased by a user through e-commerce to a delivery address designated by the user is a configuration that

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 use the confirmation information, for example, remittance and receipt of a certain amount to the online financial system. In financial transactions, the counterparty who is the recipient of the money is the person who knows the name and bank information of the remittance user. Because it is a transaction, it can be seen as a relationship of trust with 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 the user purchases and pays for a product in the online e-commerce system and the product seller normally delivers the product to the user. In the state in which the buyer and seller know each other's information, it can be seen that trust has been established. to be.

In addition, the person who delivers the product purchased by the user in the e-commerce system knows the user's name, phone number, and delivery address, and if the product is normally delivered, the buyer and the delivery person have a relationship of trust with each other, so Information that confirms the identity of the self-user is reliable.

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

As shown in FIG. 7 , the transaction information big data management module 1400 of the present invention collects information included in their online financial transaction details provided by users in order to receive user authentication, and analyzes patterns of financial transactions. a financial transaction big data management module 1410 that builds and manages the information as financial transaction related big data; An e-commerce big data management module 1420 that collects information included in their e-commerce transaction details provided by users to obtain user authentication, analyzes patterns of product transactions, and builds and manages the information as e-commerce related big data ) is included.

8 is a schematic configuration diagram of an embodiment of the identity authentication information management module, which is the main part of the identity authentication system using the 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 the identity authentication information of the user transmitted from the data analysis computer; a user authentication information management module 1520 for generating, as user authentication information, approval of the identity authentication of a user who has made an authentication request based on the identity authentication information of the user, transmitting it to the trader terminal, and managing; It is a configuration including a user reliability information management module 1530 that adjusts and manages the user's identity reliability based on the accumulated value of the identity confirmation information of the counterparties to the user.

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

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

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

Analysis target data collection and management module ( 7100) and; a big data management module 7200 for each analysis pattern that analyzes the data collected by the analysis target data collection and management module 7100 into a pattern for each classification and builds and manages the analyzed data as big data; a transaction history pattern data management module 7300 for receiving transaction history information made with a counterparty providing user identity confirmation information, analyzing and managing patterns for each predetermined classification; a pattern data consistency calculation management module 7400 for calculating the consistency between the analysis pattern data of the transaction history 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 for generating identity authentication information of a user and providing the identity authentication information to the authentication management computer 1000 when the calculated consistency of the analysis pattern data is equal to or greater than a set value; When each component of the data analysis computer 1000 is executed by an artificial intelligence (AI) computer program, when an error occurs in the artificial intelligence function, the error determination method, the operation of the data analysis computer 1000 AI) is excluded and configured to include an artificial intelligence error information management module 7600 that manages the method of setting manually and the method of solving the problem due to the rapid development of artificial intelligence.

Determination of artificial intelligence operation errors in the artificial intelligence error information management module 7600, operation manual setting, and problem solving due to strong artificial intelligence, respectively, use a collective intelligence convergence system (Applicant's Patent No. 10-1804960) It can be used to control artificial intelligence.

In addition, the pattern analysis in the transaction history of the user who has requested user authentication and the construction of big data of the pattern analyzed from the accumulated user authentication related transaction history of various users are performed in the authentication management computer 1000 or in the data analysis computer 7000. It can be configured so that it can be done selectively according to the system environment.

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

As shown in FIG. 10 , the identity authentication information generation management module 7500 of the present invention provides an online financial transaction counterparty or e-commerce transaction between a user and a user authenticated by existing various means such as a self-authentication-related public certificate and mobile phone verification. a user transaction history analysis management module 7510 for analyzing and managing transaction details between counterparties; a standard setting information management module 7520 for setting and managing a standard for whether a user's identity should be confirmed by more than a number of counterparties according to the type of transaction; Analysis of transaction details in the user transaction history analysis management module 7510 and the criteria set in the standard setting information management module 7520 analyze the characteristics of the transaction details between a person who has been authenticated as a user and the counterparty, and generate statistics a transaction history characteristic statistics management module 7530 to manage; an average data management module 7540 for each counterparty, which calculates and manages average data of all members or authenticated users of counterparty transaction items; 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 to determine whether they are identical and manages the result.

In the standard setting information management module 7520, for example, the financial transaction counterparty by type of online financial transaction and the counterparty by e-commerce transaction product are divided into at least two counterparties for online remittance, and for transactions of less than 50,000 won in e-commerce transactions. The standard can be set with at least 3 counterparties, and at least two 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 include 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 address of the goods, etc. can be heard Mathematical main values such as the average, standard deviation, maximum value, and minimum value of each item related to the 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 trade service product transaction number of counterparties 3 people 7 people 10 people total duration of the transaction 350 days 70 days 280 days trading cycle 5 days 12 days 2 days number of transactions 2 times/week 1 time/week 3 times/week Exchange total time 15 minutes 90 minutes 3 minutes Transaction type remittance purchase payment purchase payment

The determination of identity in the identity determination information management unit 7550 may be determined by, for example, strengthening other item criteria than the average when the numerical value of a specific item, such as the number of counterparties, is less than the average. On the other hand, when the numerical value of a specific item, such as the number of counterparties, is higher than the average, the criteria for other items may be relaxed compared to the average to determine equality.

In the embodiment of the present invention, in the case of verification of the identity of a corporation (company) where the requestor is not an individual, for example, considering that the corporation does not have a risk of personal information leakage and the method of verifying the identity of the corporation is well established in the existing system, for example Standards such as using a corporate address instead of a user's phone number may be set differently, or the identity verification method may be applied more relaxedly than in the case of an individual.

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

11, in the identity authentication method using the transaction details of the present invention, the authentication management computer includes user information including name and phone number information of the user and at least one receiving and storing the password as a member (S100); A user including the user's name, mobile phone number, and password, the user's online financial transaction information and e-commerce information, and consent to use or access information on financial transactions and e-commerce counterparties, which the authentication management computer has transmitted from the transaction terminal Receiving authentication approval request data (S110) and; 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 financial transaction counterpart terminal or e-commerce counterpart terminal (S120); storing, by the authentication management computer, user identity confirmation information provided from the financial transaction counterpart terminal or the electronic transaction counterpart terminal (S130); The authentication management computer extracts the user's identity authentication-related attribute data from the identity confirmation information, user information, and transaction history information of financial transactions and e-commerce provided by the user and transmits it to the data analysis computer to request the user's identity authentication information and (S140); calculating, by the data analysis computer, the consistency between the user's identity authentication-related attribute data provided by the authentication management computer and the identity authentication-related attribute data of a trader in a financial transaction or e-commerce owned by the data analysis computer (S150); If the consistency calculated by the data analysis computer is equal to or greater than a set value, generating and transmitting user identity authentication information to the authentication management computer (S160); a step (S170) of the authentication management computer storing the identity authentication information of the user transmitted from the data analysis computer, approving the user authentication based on this and transmitting the authentication information to the trader terminal (S170); generating, by the authentication management computer, a ledger including identity confirmation information of the user's counterparty, identity authentication information transmitted from a data analysis computer, and user authentication approval information (S180); It is a configuration including the step (S190) of storing the generated ledger by the authentication management computer and distributing the user and the storage means of the counterparties who have confirmed the identity of the user (S190).

In addition, the user authentication approval request data provided by the user further includes information on deliverers of products transacted in an electronic commerce transaction, and the user identity confirmation data provided by the authentication management computer is provided by the authentication management computer as the delivery information. Based on the user information and the user's identity confirmation request, including the transaction details, characterized in that the user's identity confirmation data provided by the deliverer is further included.

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

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

12, in the identity authentication method using the transaction details of the present invention, the data analysis computer analyzes various types of financial transactions including the financial transaction details and e-commerce details of the user who is the authentication requester, and various e-commerce transaction types, and managing (S200); a step (S210) of the authentication management computer managing the number of the user's financial transaction counterparty or e-commerce counterparty to whom the user's identity confirmation data is to be provided (S210); a step (S220) of the authentication management computer analyzing the transaction details of the financial transaction or e-commerce transaction and analyzing the pattern in the transaction history between the user and the counterparty according to the set criteria (S220); calculating and managing average data of all users or members of transaction details for each counterparty by using the statistics calculated through the pattern analysis (S230); It is a configuration including a step (S240) of deriving identity authentication information by comparing and analyzing similarities and differences with the average data with respect to the user's authentication request to determine whether they are identical.

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 receive user authentication in the authentication management computer of the present invention, the user's identity confirmation information is obtained from the counterparty, and in the transaction history between the user and the counterparty who confirmed the user's identity. Pattern analysis is performed based on the various information included to store the analysis data, and the consistency of the analysis data that is the pattern analysis result classified by transaction history and the analysis data that is the pattern analysis result of the stored user from the data of various transaction details of various users is checked. It is natural that various embodiments included in the technical idea of generating user identity information based on the user identity information are included in the protection scope of the present invention.

1000: authentication management computer
2000: Transaction-related data storage computer
3000: computer for storing data related to identity
4000: trader terminal
5000: financial transaction counterparty terminal
6000: E-commerce counterpart terminal
7000: data analysis computer
8000: identity authentication big data storage unit
9000: attribute data analysis information storage unit
9500: cloud computer system

Claims (5)

An authentication management computer that performs identity authentication using a user's transaction history, wherein the authentication management computer controls execution of a stored program using hardware resources,
Receive user authentication request data,
receiving the user's identity confirmation information provided by the terminal used by the counterparty of the user;
Analyze transaction pattern information based on transaction details including information on the type or type of transaction with the user and the counterparty;
Authentication management computer, characterized in that the user's identity authentication is performed based on the consistency between the analyzed user's transaction pattern information and the transaction pattern information possessed by the user. The method according to claim 1,
The user's transaction pattern information is information obtained by analyzing a transaction pattern based on at least one piece of information included in the transaction history between the user and the counterparty who confirmed the identity of the user,
The self-owned transaction pattern information is information obtained by analyzing transaction patterns classified by transaction details based on information included in various transaction details of various users. The method according to claim 1,
The authentication management computer, characterized in that the user's self-authentication is performed when the analyzed user's transaction pattern information and the transaction pattern information possessed by the user have consistency greater than or equal to a set value as a result of determining the consistency. The method according to claim 1,
The transaction is an authentication management computer, characterized in that it includes a financial transaction or electronic commerce. An identity authentication method using transaction details using an authentication management computer that performs user authentication,
receiving, by the authentication management computer, user authentication request data;
receiving, by the authentication management computer, user identity confirmation information provided by a terminal used by a counterparty of the user;
analyzing, by the authentication management computer, transaction pattern information based on the transaction details including the type or type information of the transaction with the user;
The identity authentication method using transaction details, comprising the step of performing, by the authentication management computer, the user's identity authentication based on the consistency between the user's transaction pattern information analyzed and the transaction pattern information possessed by the authentication management computer.

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