KR102618105B1 - Identification verification system and service method for non-face-to-face real name verification - Google Patents

Abstract

The present invention relates to an ID authentication service system and service method for non-face-to-face real name verification that stores ID photo features and text information and provides ID photo and facial recognition services using the stored feature points and text information. Regarding this, a terminal equipped with a camera and used by the customer when registering the customer through a non-face-to-face process; When a customer requests a certain financial service, the customer is requested to take a photo of their ID card using the camera installed in the terminal and register it. In response to the request, when a photo of the ID card is registered from the terminal, the customer receives the photo of the ID card and registers the photo of the ID card and the registered ID card. A financial institution server that collects characteristic points of photos included in; a relay institution server that receives and stores characteristic points of the ID card and photo extracted from the ID photo from the financial institution server; And receiving and storing the ID photo and the characteristic points of the ID card and photo from the relay agency server, comparing the personal information and photo included in the characteristic points of the ID photo to check the authenticity of the ID card, and confirming the first authenticity of the ID card. It is composed of an ID card issuing agency server that notifies the financial institution server of the result of authenticity through the relay agency server, and generates first ID invalidation information corresponding to the ID card if an alter ego report is received prior to registration. It has the effect of allowing you to easily register for financial services non-face-to-face.

Description

IDENTIFICATION VERIFICATION SYSTEM AND SERVICE METHOD FOR NON-FACE-TO-FACE REAL NAME VERIFICATION}

The present invention relates to an ID authentication service system and service method for non-face-to-face real name verification. More specifically, the present invention relates to a service system and service method for verifying the authenticity of an ID card for non-face-to-face real name verification. More specifically, the feature points of a photo included in an ID card for non-face-to-face real name verification and character information extracted from the ID card are stored, and the stored feature points are used to verify the authenticity of an ID card. This relates to an ID authentication service system and service method for non-face-to-face real name verification that provides ID photo and facial recognition services using text information.

Non-face-to-face account opening, which is widely used by financial institutions, is gaining popularity. As the number of non-face-to-face financial service businesses increases, the demand for non-face-to-face account opening is also rapidly increasing in the financial industry.

Currently, when opening an account non-face-to-face, the authenticity of the ID card is checked each time through an intermediary agency, such as the Korea Financial Telecommunications and Clearings Institute, and compared with the original information from the ID issuing agency. Due to the convenience of non-face-to-face financial services, face-to-face account openings are rapidly decreasing, and non-face-to-face financial services are rapidly increasing.

However, while such non-face-to-face financial services are rapidly increasing, fraud losses are also rapidly increasing. According to recent data from the Financial Supervisory Service, the number of Kakao Bank fraudulent accounts suspended under the Telecommunications Fraud Damage Refund Act increased nearly 13 times from 199 in 2017 to 2,705 in 2020. As of June 2021, the number was 2,025, approaching the previous year's total in just half a year. In other words, based on this phenomenon, it can be seen that fraud cases using non-face-to-face accounts are rapidly increasing.

On the other hand, in the case of commercial banks that insist on the existing face-to-face method, there is a clear recent decline in fraudulent accounts. The number of accounts suspended for fraud at six commercial banks, including KB Kookmin, Shinhan, Woori, Hana, SC Jeil, and Citibank, increased from 23,169 in 2017 to 44,395 in 2019, but decreased by less than half in 2020 to 20,000. Reduced to 426. Even if we look at each bank, each trend shows a similar trend. For example, in financial fraud, Mr. A lost his identification card. The criminal used Mr. A's ID card to create a new cell phone and attempted open banking (a service that allows you to view and transact on accounts from multiple financial companies at once in one app). The criminal received a banking app, authenticated it non-face-to-face, and then used open banking to steal all balances from two other banks. The criminal was caught by the police, but even the balance of the account he had left in another bank account disappeared. Currently, such non-face-to-face financial transactions have the problem that they can lead to fraudulent transactions.

As explained earlier, banks using non-face-to-face transactions are leading the financial market. Therefore, in future financial transactions, companies that dominate non-face-to-face transactions will dominate the financial market. This non-face-to-face financial market is expanding, and existing face-to-face financial transactions are expected to decrease. Therefore, in order to promote non-face-to-face transactions, strong fraud prevention measures are needed to fundamentally prevent financial crimes.

Republic of Korea Patent Publication No. 10-2017-0121737 (2017.11.02.). ‘How to provide non-face-to-face authentication using a camera’

The present invention was created to solve the above-mentioned problems, and the purpose of the present invention is to provide non-face-to-face real name verification by storing ID photo feature points and text information and providing ID card photo and facial recognition services using the stored feature points and text information. The purpose is to provide a service system and service method for verifying the authenticity of an ID card.

The problems to be solved by the present invention are not limited to those mentioned above, and other problems not mentioned can be clearly understood by those skilled in the art from the description below.

The identity verification service system for non-face-to-face real name verification of the present invention to achieve the above-described purpose according to the present invention,

A terminal equipped with a camera and used by the customer when registering the customer through a non-face-to-face process;

When a customer requests a certain financial service, he/she is requested to take a photo of his or her ID card using the camera installed in the terminal and register it. When a video of his/her ID card is received from the terminal in response to the request, a photo of his/her ID card is registered and the registered ID card and ID card are registered. A financial institution server that collects and stores feature points of photos included in;

a relay institution server that receives and stores characteristic points of the ID card and photo extracted from the ID photo from the financial institution server; and

Receives the ID photo and the characteristic points of the ID card and photo from the relay agency server, compares the personal information and photo included in the characteristic points of the ID photo to confirm the primary authenticity of the ID card, and confirms the result of the confirmed primary authenticity It is configured to include an ID issuing agency server that transmits to the financial institution server through the relay agency server, and generates first ID invalidation information corresponding to the ID card if there is a self-immolation report prior to registration.

When a request for ID verification service corresponding to the first ID invalidation information is received from the terminal, the ID issuing agency server transmits the stored first ID invalidation information to the financial institution server through the relay agency server, and the financial institution server sends the first ID invalidation information to the financial institution server. If invalid ID information is received, the financial service process is ordered to be terminated, and the ID issuing agency server does not generate primary authenticity information if there is invalid ID information. If there is no invalidated primary ID information, the ID issuing agency server does not generate primary authenticity information. It may be configured to generate primary authenticity information and transmit it to the financial institution server through the relay institution server.

When a customer who has completed registration for financial services through the terminal proceeds with banking services, the financial institution server receives the subscriber's face image in real time and inputs an identification card in real time through the terminal after registration for the financial service. When this is input, it can be configured to extract the feature points of the ID photo included in the ID card or the feature points of the subscriber's face image and transmit the extracted feature points to the relay agency server to generate secondary authenticity information.

The relay agency server terminates the financial service business application when an additional loss report is received after the service is registered from the ID issuing agency server and the second ID invalidity information is generated and received by the ID issuing agency server, and the second ID issuance agency server If ID invalidation information is not received, secondary authenticity information is generated to determine authenticity by comparing the characteristic points of the extracted facial image received from the terminal through the financial institution server and the characteristic points stored when registering the financial payment service. It can be.

When a request for financial service work is received from the financial institution server through a terminal, the financial institution server requests authentication through the terminal, and in response, when an identification card is entered in real time or a subscriber's face image is entered in real time, the information included in the identification card is entered. The feature points of the ID card photo or the subscriber's face image are extracted, the feature points of the extracted face image are transmitted to the relay agency server, and the transmission result is waited for by the relay agency server. After registration, the loss received through the ID issuing agency server is registered. When the second ID invalidity information generated by the report is received, the application for the financial service business is terminated, and the secondary authenticity information is received. If the result is true, the financial service business is allowed, and if the result is false, it can be configured to not allow it. there is.

The identity verification service method for non-face-to-face real name verification of the present invention to achieve the above-described purpose according to the present invention is,

When the financial institution server receives a request to use a financial service non-face-to-face from the user's terminal, the financial institution server takes a photo of an identification card through the terminal and requests registration;

When a photo of an ID card is received from a terminal, the financial institution server registers the ID card and collects the registered ID card and characteristic points of the ID card;

The relay institution server receiving and storing character information extracted from a photo of the identification card and characteristic points of the identification photo from the financial institution server;

The relay agency server transmits the received text information and characteristic points of the ID card photo to the ID card issuing agency server;

The ID issuing agency server receives text information and characteristic points of the ID card photo from the relay agency server and stores them;

A judgment step in which the ID issuing agency server determines whether a loss report for the relevant ID card has been received;

If it is determined in the above determination step that a loss report for the relevant ID card has been received, the ID issuing agency server generates first ID invalidity information for the ID card and transmits it to the financial institution server through the relay agency server;

When the financial institution server receives the first identification card invalidation information, the financial institution server orders the terminal to forcibly terminate financial service registration;

If the loss report is not received as determined in the above judgment step, the ID issuing agency server generates primary authenticity information using the character information extracted from the stored photo of the ID card and the characteristic points of the ID photo, and sends the relay agency server to the relay agency server. Transmitting to a financial institution server through; and

The financial institution server is configured to include the step of receiving the first authenticity information and determining whether to register the corresponding financial service from the terminal.

In the step of determining whether to register the financial service, the decision on whether to register the financial service is made by registering the received primary authenticity information if it is true and rejecting the registration of the financial service if it is false, allowing the user to re-register the financial service through the terminal. Or it can be configured to terminate.

The authenticity verification service for ID card for non-face-to-face real name verification is as follows:

A step where the ID issuing agency server compares the text information of the previously stored ID card and compares the characteristic points of the pre-stored ID card photo and the ID card photo;

A second judgment step in which the ID issuing agency server determines whether the contents of the pre-stored ID card and the text information match 100% as a result of the comparison, and whether the degree of correspondence between the pre-stored ID card photo and the characteristic points of the ID photo is greater than a preset threshold value;

As a result of the determination in the second judgment step, if it is determined that the text information matches and the match between the pre-stored photo of the ID card and the characteristic points of the ID photo is more than a preset threshold value, generating the first authenticity information as true; and

As a result of the determination in the second judgment step, if the character information does not match or the degree of correspondence between the pre-stored photo of the ID and the characteristic points of the ID photo is less than a preset threshold value, generating false first authenticity information; further including; It can be configured.

A financial institution server receiving a request for a financial service service from a terminal of a customer who has completed registration through the terminal through a non-face-to-face process;

A third judgment step in which the financial institution server determines whether the financial service request is a financial service request from a registered customer;

If it is determined in the third judgment step above that the business request is from a registered financial service customer, the financial institution server receives the financial service business application and sends a second ID card corresponding to the financial service applicant's identification card to the relay institution server. Inquiring whether invalid information has been received;

When the financial institution server inquires with the relay institution server and there is second ID invalidity information as additional identification invalidation information for the relevant identification card, notifying the terminal of the end of the relevant financial service business and terminating the financial service business;

When the financial institution server inquires with the relay institution server and there is no second identification card invalidation information, requesting an identification card or physical image from the terminal in response to a financial service request received from the terminal;

The financial institution server extracts the subscriber's face image and transmits it to the relay institution server when the ID card or the subscriber's face is captured and entered in real time and when the ID card is captured and entered in real time;

When the characteristic points of the subscriber's ID card are input from the financial institution server and the subscriber's face image is input from the financial institution server, the relay institution server extracts the characteristic points of the image and compares them with the characteristic points stored in the relay institution server to obtain secondary personal information. Confirming authenticity and generating secondary authenticity information; and

The financial institution server receives secondary authenticity information from the relay institution server and, if the secondary authenticity information is true, allows use of the registered financial service, and the financial institution server receives the secondary authenticity information. If it is false, it may further include a step of disabling the use of the financial service.

The ID authenticity verification service system and service method for non-face-to-face real name verification of the present invention stores ID photo features and text information for non-face-to-face real name verification and provides ID photo and facial recognition services using the stored feature points and text information. This has the effect of allowing you to easily register financial services non-face-to-face.

In addition, the ID authenticity verification service system and service method for non-face-to-face real name verification of the present invention effectively prevents financial transactions using illegally stolen ID cards with impure intentions and provides financial services. It has the effect of preventing financial crimes by providing a time lag between transaction and registration times.

In addition, the ID authenticity verification service system and service method for non-face-to-face real name verification of the present invention reduces the load on the relay institution by comparing the user's face using feature point information when comparing the user's face to verify authenticity for performing financial services. This has the effect of reducing the load on the ID issuing agency server and allowing feature point information to be stored in the relay agency, enabling faster processing by allowing the relay agency to compare feature points.

1 is a diagram showing the configuration of a system for providing an ID card authenticity verification service for non-face-to-face real name verification according to an embodiment of the present invention.
Figure 2 is a flowchart showing the initial non-face-to-face verification process to provide an ID card authenticity verification service for non-face-to-face real name verification according to an embodiment of the present invention.
Figure 3 is a flowchart showing the process of determining whether to register for a financial service to provide an ID card authenticity verification service for non-face-to-face real name verification according to an embodiment of the present invention.
Figure 4 is a flowchart showing the process of processing financial services after the financial services are registered according to an embodiment of the present invention.

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

Figure 1 is a diagram showing the configuration of a system for providing an ID card authenticity verification service for non-face-to-face real name verification according to an embodiment of the present invention.

Referring to FIG. 1, the system of the present invention includes a terminal 100, a financial institution server 200, a relay institution server 300, and an ID issuing institution server 400.

First, in order for a user to use the financial service provided by the financial institution server 200 using the terminal 100, he or she must register the financial service non-face-to-face using the terminal 100, and after registration, perform financial service work non-face-to-face or It can be divided into face-to-face processes. It is a well-known fact that in the process of using financial services, face-to-face use is used, so explanation of this will be omitted. That is, the present invention will describe the process of registering financial services non-face-to-face and using financial services non-face-to-face.

The terminal 100 is a tool used by subscribers to register through a non-face-to-face process. The terminal 100 may be a smart phone, PDA (Personal Digital Assistant), PC (Personal Computer), workstation, laptop, etc. connected to a network, wirelessly or wired. It can be connected to the financial institution server 200 and the ID issuing agency server 400 through (Network) 10.

The financial institution server 200 may be a server opened by a first financial institution, a second financial institution, or a third financial institution. When a customer requests a certain financial service through the terminal 100, the financial institution server 200 requests registration by taking a photo of an ID card through the terminal 100, and a photo of the ID card is sent in response to the request. When registered from the terminal 100, the ID card is received and registered, and the characteristic points of the ID card are collected and stored. Here, when taking an ID card through the terminal 100, a photo of the ID card can be taken through a camera built into the terminal 100 or a camera connected wired or wirelessly and input into the terminal 100. In the present invention, for convenience of explanation, the process of registering a terminal 100 with a built-in camera, for example, a smartphone, by a subscriber will be described.

ID can be a resident registration card, driver's license, passport, alien registration card, welfare card, veteran's card, etc. Meanwhile, the characteristic points of the photo included in the ID card include character information included in the ID card and the characteristic points of the photo included in the ID card. Here, for convenience, it is explained that the characteristic points of the ID card are divided into character information and the characteristic points of the photo included in the ID card. In other words, the characteristic points of the ID card include the character information included in the ID card, the characteristic points of the ID photo, and the watermark included in the ID card. Meanwhile, the authenticity of the ID card can be determined using the watermark included in the ID card.

The relay institution server 300 receives and stores the character information extracted from the photo of the identification card and the characteristic points of the photo of the identification card from the financial institution server 200. The relay agency server 300 transmits the received text information and characteristic points of the ID card photo to the ID issuing agency server 400. Here, the intermediary institution may be the Korea Financial Telecommunications and Clearings Institute or a third-party service institution.

The character information and characteristic points of the ID photo are received from the relay agency server 300 and stored. The ID issuing agency server 400 compares the characteristic points of the received text information and the ID photo with the pre-stored personal information corresponding to the applicant, determines whether the ID information matches, and whether the characteristic points of the photo match, determines whether the primary is authentic, and determines whether the primary is authentic. Generates authenticity information. In addition, the validity of the subscriber's ID card linked to personal information is determined due to reasons such as loss, reissuance, or death.

If a loss report, reissue, or death report has been received in response to the relevant ID card prior to financial service registration, the ID card issuing agency server 400 may use the ID card for which a loss report has been filed, an ID card before reissue, or a death report for the ID card. The first identification card invalidation information is generated and transmitted to the financial institution server 200 through the relay institution server 300 to inform the financial institution server 200 that the relevant identification card is invalid, so that the use of the relevant financial service is refused.

When the financial institution server 200 receives the first ID invalidation information from the ID issuing institution server 400 through the relay institution server 300, the financial institution server 200 forces the terminal 100 to register for financial services. Command to terminate. If the first ID card invalidation information is generated due to loss report, reissue, death report, etc., the ID card issuing agency server 400 may not generate the first authenticity information. If the first ID invalidation information is not generated, the ID issuing agency server 400 generates the first authenticity information and transmits it to the financial institution server 200 through the relay agency server 300.

In particular, when the first ID invalidation information is not created, the ID issuing agency server 400 compares the contents of the previously stored ID with the text information to determine whether the first ID is authentic, and compares the pre-stored ID card with the characteristic points of the ID photo. Compare together. Here, the contents of the pre-stored ID card and the text information must match 100%, and the feature points of the pre-stored ID card and the ID photo are compared with tens of thousands of feature points, and if the degree of match is greater than a preset threshold value, they are judged to match, and primary authenticity is determined. Generates availability information. The text information here verifies the name included in the ID card, the date of issuance of the ID card, whether or not it matches the issuing agency of the ID card, and the watermark that confirms the authenticity of the ID card. Additionally, the feature point can be the ratio of each organ in the face. For example, it may be the ratio of the distance between two recognized eyes and the size of the left eye or the ratio of the size of the right eye, etc., and tens of thousands of feature points can be generated by combining each compared ratio. The ID issuing agency server 400 falsely provides the first authenticity information if the content of the pre-stored ID and the text information do not partially match, or if the matching rate between the photo of the pre-stored ID and the characteristic points of the ID photo is below a preset threshold value. Create.

When the relay institution server 300 receives the first ID invalidation information corresponding to the lost ID card, the ID card before reissue, and the ID card of the deceased, it transmits it to the financial institution server 200. If the first ID invalidation information is not received, the relay agency server 300 transmits the first authenticity information received from the ID issuing agency server 400 to the financial institution server 200.

When the first ID card invalidation information is received, the financial institution server 200 transmits the first ID card invalidation information to the terminal 100 so that the financial service application is invalid due to a lost ID card, an ID card before reissue, or a deceased person's ID card. Inform the applicant that the application is based on his or her identification card and allow the financial service to be terminated.

When the financial institution server 200 receives the first authenticity information from the ID registration agency server 400 through the relay institution server 300, if the first authenticity information is determined to be true, it sends the requested information through the corresponding terminal 100. The service proceeds, and if the first authenticity information is determined to be false, the financial service process requested through the relevant terminal is canceled or the financial service process can be restarted. Here, the financial institution server 200 terminates the financial service when the first identification card invalidation information is received before the first authenticity information.

When the first authenticity information is received, the financial institution server 200 sets the process to be canceled and to be able to proceed again if the received first authenticity information is determined to be false. Additionally, when providing financial services, the financial institution server 200 stores and records characteristic points and character information from the entered ID card.

First, the financial institution server 200 receives a request for financial services from the terminal 100. The financial institution server 200 sends information to the terminal 100 in response to the financial service request received from the terminal 100 in order to determine the validity of the financial service applicant's identification card to the relay institution server 300. Request an ID card or physical video. The financial institution server 200 divides the case into a case where the subscriber's face is photographed and input in real time using an ID card or terminal 100 and a case where the ID card is photographed and input in real time.

When a subscriber inputs an ID card to apply for a financial service, the financial institution server 200 extracts the characteristic points of the ID card and the text information included in the ID card. When an ID card is input from a subscriber, the financial institution server (200) transmits the extracted feature points and text information to the relay institution server (300), and the relay institution server (300) verifies the authenticity of the ID card to the ID card issuing institution server (400). Request confirmation.

The relay agency server 300 determines whether the customer has completed registration for financial services through the facial features and text information included in the extracted ID card, and when a request for financial service work from a registered customer is received, the ID issuing agency In order to check the validity of the ID card by connecting to the server 400 and scraping, if the ID provided by the subscriber who applied for financial service is a driver's license, scraping is done by accessing the Road Traffic Authority web page provided by the Road Traffic Authority server. Check the validity of the driver's license. Alternatively, if the identification provided by the subscriber who applied for the financial service is a resident registration card, the relay agency server 300 accesses the Government 24 web page provided by the government and checks the validity of the resident registration card through scraping. In other words, the relay agency server 300 accesses the web page provided by the ID issuing agency server 400 in response to a request to confirm the validity of the ID card from the financial institution server 200 and issues ID cards due to reasons such as loss, reissuance, or death of the ID card. The validity is checked secondarily using a scraping method. As a result of scraping by the relay agency server 300 to the ID issuing agency server 400, if an additional reason for invalidating the ID card occurs and secondary ID invalidation information is generated, the secondary ID invalidation information is transmitted to the terminal. With (100), the reason for ID card invalidity included in the second ID card invalidation information is displayed and the relevant financial service business is terminated.

If the second ID invalidation information is not scraped, the relay institution server 300 compares the characteristic points received from the financial institution server 200 with the characteristic points stored in the relay institution server 300 and determines the secondary authenticity according to the comparison result. The secondary authenticity information generated by generating the authenticity information is transmitted to the financial institution server 200.

Alternatively, when the subscriber's face is captured in real time, the financial institution server 200 generates text information from the subscriber's face image captured from the captured image and the information entered by the subscriber and transmits it to the relay institution server 300. . Here, the information entered by the subscriber may include the subscriber's name, address, resident registration number, etc. When the subscriber's face is captured and input in real time from the subscriber, the financial institution server 200 transmits the feature points of the extracted facial image and the input text information to the relay institution server 300, and sends the ID card to the relay institution server 300. Request verification of the authenticity of the ID card from the issuing agency server (400).

The relay agency server 300 determines whether the customer has completed registration for financial services, and when a request for financial service work from a registered customer is received, it connects to the ID issuing agency server 400 and checks the validity and authenticity of the subscriber through scraping. In order to check whether the identification provided by the subscriber who applied for the financial service is a driver's license, the validity of the driver's license is checked by accessing the Road Traffic Authority web page provided by the Road Traffic Authority server and scraping. Alternatively, if the identification provided by the subscriber who applied for the financial service is a resident registration card, the relay agency server 300 accesses the Government 24 web page provided by the government and checks the validity of the resident registration card through scraping. In other words, the relay agency server 300 accesses the web page provided by the ID issuing agency server 400 in response to a request to confirm the authenticity of the ID card from the financial institution server 200 and The validity of the ID card is checked secondarily using a scraping method. As a result of scraping by the relay agency server 300 to the ID issuing agency server 400, if an additional reason for invalidating the ID card occurs and secondary ID invalidation information is generated, the secondary ID invalidation information is transmitted to the terminal. At (100), the reason for invalidation of the ID included in the second ID invalidation information is explained and the relevant financial service business is terminated.

If the second ID invalidation information is not scraped, the relay institution server 300 compares the characteristic points received from the financial institution server 200 with the characteristic points stored in the relay institution server 300 and determines the secondary authenticity according to the comparison result. The secondary authenticity information generated by generating the authenticity information is transmitted to the financial institution server.

In both cases where a financial institution server ID card is used and when the subscriber's face is photographed and entered in real time, secondary authenticity information is checked to determine whether financial services are provided. The financial institution server 200 verifies the secondary authenticity information when a customer who has completed registration through the terminal 100 in a non-face-to-face process attempts to perform banking services for the first time and the secondary ID invalidity information is not received. Once determined, financial service work is carried out so that the first banking service work can proceed.

Figure 2 is a flowchart showing the initial non-face-to-face verification process to provide an ID card authenticity verification service for non-face-to-face real name verification according to an embodiment of the present invention.

Referring to FIG. 2, first, in step S202, the user requests registration of a financial service provided by the financial institution server 200 non-face-to-face using the terminal 100.

In step S204, when a customer requests a certain financial service through the terminal 100, the financial institution server 200 requests the customer to take a photo of an identification card and register it through the terminal 100.

In step S206, when a photo of an ID card is received from the terminal 100 in response to a financial service registration request from the terminal 100, the financial institution server 200 registers the ID card and collects the registered ID card and the characteristic points of the ID card.

In step S208, the relay institution server 300 receives and stores the character information extracted from the photo of the identification card and the characteristic points of the photo of the identification card from the financial institution server 200.

In step S210, the relay agency server 300 transmits the received text information and characteristic points of the ID card photo to the ID issuing agency server 400.

In step S212, the ID issuing agency server 400 receives character information and characteristic points of the ID photo from the relay agency server 300 and stores them.

In step S214, the ID issuing agency server 400 determines whether the ID card has lost validity due to loss, reissue, or death.

If it is determined in step S214 that the validity of the ID card has been lost, the ID issuing agency server 400 generates first ID invalidity information for the ID card and sends it to the financial institution server 200 through the relay agency server 300. Transmit (step S216).

When the financial institution server 200 receives the first ID invalidation information in step S218, the financial institution server 200 instructs the terminal 100 to forcibly terminate financial service registration. When a financial service is terminated, primary authenticity information is not generated.

If validity is recognized as there is no reason for loss of validity as determined in step S214, the ID issuing agency server 400 generates primary authenticity information using the character information extracted from the stored photo of the ID card and the characteristic points of the ID photo. and transmits it to the financial institution server 200 through the relay institution server 300 (step S220).

In step S222, the financial institution server 200 receives the first authenticity information and determines whether to register the corresponding financial service from the terminal 200. At this time, the decision on whether to register the financial service is made by registering the received primary authenticity information if it is true and rejecting the service if it is false, so that the user re-registers or terminates the service through the terminal 100.

Figure 3 is a flowchart showing the process of generating primary authenticity information to provide an ID card authenticity verification service for non-face-to-face real name verification according to an embodiment of the present invention.

Referring to FIG. 3, first, in step S302, the ID issuing agency server 400 compares the content proof text information of the previously stored ID and compares the characteristic points of the pre-stored ID and the ID photo together.

In step S302, the ID issuing agency server 400 determines whether the contents of the pre-stored ID card and the text information are 100% identical as a result of the comparison, and whether the degree of correspondence between the photo of the pre-stored ID card and the characteristic points of the ID photo is greater than or equal to a preset threshold value. Make a decision (step S304).

As a result of the determination in step S304, if the text information matches and the degree of correspondence between the pre-stored photo of the ID card and the characteristic points of the photo of the ID card is determined to be more than a preset threshold value, the first authenticity information is generated as true (step S306).

As a result of the determination in step S304, if the text information does not match or the degree of correspondence between the pre-stored photo of the ID and the characteristic points of the ID photo is less than a preset threshold value, the first authenticity information is generated as false (step S308).

As described above, when the first ID invalidity information is received from the relay institution server 200, the financial institution server 200 transmits the first ID invalidity information to the terminal 100 so that the financial service application can be applied with the lost ID card. inform the customer that the financial service is terminated. The financial institution server 200 receives the first authenticity information from the ID registration agency server 400 through the relay institution server 300 and, if the first authenticity information is true, registers the requested service through the terminal. And, if the first authenticity is false, the financial service registration process requested through the relevant terminal is canceled and terminated, or the process for registering the financial service is restarted.

Figure 4 is a flowchart showing the process of processing a financial service after the financial service is registered according to an embodiment of the present invention.

Referring to FIG. 4, in step S402, the financial institution server 200 receives a corresponding financial service service request from the terminal 100 of a customer whose registration has been completed through the terminal 200.

First, in step S, the financial institution server 200 receives a request for a financial service business and requests the relay institution server 300 to verify the validity of the ID card of the applicant for the financial service business.

In step S406, the relay agency server 300 connects to the ID issuing agency server 400 to re-verify the validity of the ID card and scrapes information related to the validity of the ID card.

In step S408, the relay agency server 300 scrapes the validity and generates second ID invalidity information if a factor that invalidates the ID card is found. If a factor that invalidates the ID card is not found as a result of scraping, the relay agency server 300 generates second ID invalidity information. does not create

In step S410, the financial institution server 200 inquires with the relay institution server 300 to determine whether there is additional identification invalidation information for the relevant identification card.

As determined in step S410, the financial institution server 200 inquires with the relay institution server 300, and if there is invalid information on the second ID card, it terminates the relevant financial service business through the terminal 100, notifies the termination, and terminates the financial service. I order it.

As determined in step S410, the financial institution server 200 inquires with the relay institution server 300 and, if there is no second ID card invalid information, sends the ID card to the terminal 100 in response to the financial service request received from the terminal 100. Or, request an actual image (step S412).

In step S414, the financial institution server 200 extracts facial feature points when the ID card or the subscriber's face is captured in real time through the terminal 100 and the face image of the ID card or the subscriber's face is input, The text information included in the ID card is extracted or text information input from the subscriber is received, and the facial feature points and text information are transmitted to the relay agency server 300.

In step S416, the relay agency server 300 compares the extracted facial feature points with the feature points stored in the relay agency server 300 to confirm the secondary authenticity of the personal information and generate secondary authenticity information.

In step S418, the financial institution server 200 receives secondary authenticity information from the relay institution server 300 and, if the secondary authenticity information is true, allows use of the registered financial service service, and If the secondary authenticity information is false, the institutional server does not allow the financial service service to be used. In other words, when a customer who has completed registration through the terminal 100 through a non-face-to-face process wants to proceed with banking service for the first time, if there is no secondary ID card invalidation information after the service is registered, the first ID card is invalidated according to the secondary authenticity information. To enable banking operations to proceed.

Meanwhile, the process of determining whether the secondary authenticity information is true or false compares the difference between the pre-stored feature points and the feature points of the subscriber image registered to start the service to determine whether it is true or false, a process described in FIG. 3 Since it is similar to , description of this will be omitted.

What has been described above is only an example for implementing the ID authentication service system and service method for non-face-to-face real name verification according to the present invention, and the present invention is not limited to the above-described embodiment, and is scoped in the following patent claims. As claimed, it will be said that the technical spirit of the present invention extends to the extent that anyone skilled in the art can make various changes without departing from the gist of the present invention.

100: terminal 200: financial institution server
300: Relay agency server 400: ID issuing agency server

Claims (9)

delete delete delete delete delete When the financial institution server receives a request to use a financial service non-face-to-face from the user's terminal, the financial institution server takes a photo of an identification card through the terminal and requests registration;
When a photo of an ID card is received from a terminal, the financial institution server registers the ID card and collects the registered ID card and characteristic points of the ID card;
The relay institution server receiving and storing character information extracted from a photo of the identification card and characteristic points of the identification photo from the financial institution server;
The relay agency server transmits the received text information and characteristic points of the ID card photo to the ID card issuing agency server;
The ID issuing agency server receives text information and characteristic points of the ID card photo from the relay agency server and stores them;
A judgment step in which the ID issuing agency server determines whether a loss report for the relevant ID card has been received;
If it is determined in the above determination step that a loss report for the relevant ID card has been received, the ID issuing agency server generates first ID invalidity information for the ID card and transmits it to the financial institution server through the relay agency server;
When the financial institution server receives the first identification card invalidation information, the financial institution server orders the terminal to forcibly terminate financial service registration;
If the loss report is not received as determined in the above judgment step, the ID issuing agency server generates primary authenticity information using the character information extracted from the stored photo of the ID card and the characteristic points of the ID photo, and sends the relay agency server to the relay agency server. Transmitting to a financial institution server through;
The financial institution server receives the first authenticity information and determines whether to register the corresponding financial service from the terminal;
A step where the ID issuing agency server compares the text information of the previously stored ID card and compares the characteristic points of the pre-stored ID card photo and the ID card photo;
A second judgment step in which the ID issuing agency server determines whether the contents of the pre-stored ID card and the text information match 100% as a result of the comparison, and whether the degree of correspondence between the pre-stored ID card photo and the characteristic points of the ID photo is greater than a preset threshold value;
As a result of the determination in the second judgment step, if it is determined that the text information matches and the match between the pre-stored photo of the ID card and the characteristic points of the ID photo is more than a preset threshold value, generating the first authenticity information as true;
If, as a result of the determination in the second judgment step, the text information does not match or the match between the pre-stored photo of the ID card and the characteristic points of the ID photo is less than a preset threshold value, generating false first authenticity information;
A financial institution server receiving a request for a financial service service from a terminal of a customer who has completed registration through the terminal through a non-face-to-face process;
A third judgment step in which the financial institution server determines whether the financial service request is a financial service request from a registered customer;
If it is determined in the third judgment step above that the business request is from a registered financial service customer, the financial institution server receives the financial service business application and sends a second ID card corresponding to the financial service applicant's identification card to the relay institution server. Inquiring whether invalid information has been received;
When the financial institution server inquires with the relay institution server and there is second ID invalidity information as additional identification invalidation information for the relevant identification card, notifying the terminal of the end of the relevant financial service business and terminating the financial service business;
When the financial institution server inquires with the relay institution server and there is no second identification card invalidation information, requesting an identification card or physical image from the terminal in response to a financial service request received from the terminal;
The financial institution server extracts the subscriber's face image and transmits it to the relay institution server when the subscriber's face is captured and input in real time;
When the subscriber's face image is input from the financial institution server, the relay institution server extracts the feature points of the image and compares them with the feature points stored in the relay institution server to confirm the secondary authenticity of the personal information and generate secondary authenticity information. ; and
The financial institution server receives secondary authenticity information from the relay institution server and, if the secondary authenticity information is true, allows use of the registered financial service, and the financial institution server receives the secondary authenticity information. A service method for verifying the authenticity of an ID card for non-face-to-face real name verification, including the step of preventing the use of the financial service if it is false.
According to claim 6, in the step of determining whether to register the financial service, the decision on whether to register the financial service is made by registering the received primary authenticity information if it is true and rejecting the financial service registration if it is false, so that the user can register the financial service through the terminal. An ID authentication service method for non-face-to-face real name verification that is configured to re-register or terminate financial services. delete delete