KR20000037167A - Authentication system for electric commerce using voice recogniton technigue - Google Patents
Authentication system for electric commerce using voice recogniton technigue Download PDFInfo
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- KR20000037167A KR20000037167A KR1020000018726A KR20000018726A KR20000037167A KR 20000037167 A KR20000037167 A KR 20000037167A KR 1020000018726 A KR1020000018726 A KR 1020000018726A KR 20000018726 A KR20000018726 A KR 20000018726A KR 20000037167 A KR20000037167 A KR 20000037167A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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- G—PHYSICS
- G10—MUSICAL INSTRUMENTS; ACOUSTICS
- G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
- G10L15/00—Speech recognition
Abstract
Description
본 발명은 화자종속 방식의 음성인식 기술을 이용한 전자상거래 인증 시스템에 관한 것으로, 특히 컴퓨터에 연결되어 있는 마이크를 이용하여 본인의 음성(또는 지문, 홍채, 문자비밀번호)암호를 미리 등록해 놓고 이 음성암호확인시스템을 채택한 쇼핑몰이나 금융권의 인터넷 뱅킹 및 증권 거래시스템에 연결하여 카드결제 또는 자금이체를 할 경우 본인 확인을 위하여 자신이 미리등록해 놓은 컴퓨터에 연결되어 있는 마이크를 이용해 확인하여 카드분실 또는 문자 비밀번호 유출시에도 안심하고 전자상거래를 활용할 수 있도록 한 것이다.The present invention relates to an electronic commerce authentication system using a speaker-dependent speech recognition technology. In particular, a voice (or fingerprint, iris, text password) password is registered in advance using a microphone connected to a computer. Card payment or money transfer when connected to the internet banking and securities trading system of the shopping mall or financial sector that adopts the password verification system, and confirmed by using the microphone connected to the computer registered in advance for identity verification. Even when a password is leaked, you can use e-commerce with confidence.
최근 2-3년 사이 전자상거래 시장이 급속한 확장을 하고 있으나 개인정보 유출 우려에 따른 카드결제 기피현상으로 EC산업 방전의 장애 요인이 되고 있다. 또한, 주민등록번호나 카드번호 유출에 따른 후유증도 심각한 상태이며, 전자화폐가 속속 등장하고 있으나 실효성에는 의문이 되고 있다.The e-commerce market has been expanding rapidly for the past 2-3 years, but it has been an obstacle to the discharge of the EC industry due to the avoidance of card payments due to concerns about personal information leakage. In addition, the sequelae after the leakage of the social security number or card number is also a serious condition, and electronic money is appearing one after another, but its effectiveness is questioned.
쇼핑몰 또는 금융권에는 보안시스템의 필요성에 대해서는 충분히 인식하고 있으나 설치 비용과 신뢰성에 대한 확신이 없는 상태이므로 서로 눈치만 보고 있는 실정이다.The shopping mall or the financial sector is fully aware of the necessity of the security system, but since they are not convinced of the installation cost and reliability, they are only looking at each other.
종래의 카드결제 방법은 도 1에 도시된 바와 같이 PC를 가진 사용자가 인터넷을 이용해 쇼핑몰에 접속하고 원하는 상품을 선택한 후 현금 결제 또는 카드 결제를 선택한다(S1,S2).In the conventional card payment method, as shown in FIG. 1, a user having a PC accesses a shopping mall using the Internet, selects a desired product, and then selects cash payment or card payment (S1 and S2).
만일 카드결제를 선택할 경우, 카드번호를 입력하고 비밀번호 누출을 우려하여 카드유효기간만 입력받으며, 이때 카드 유효기간은 카드에 명시되어 있으므로 누구나 입력할 수 있다(S3-S5).If you choose to pay the card, enter the card number and only the card validity period is entered in fear of password leakage, the card validity period is specified on the card anyone can enter (S3-S5).
현재의 쇼핑몰에서 운영되는 모든 결제 시스템은 카드 결제시 한국정보통신의 시스템에 연결하여 카드의 이상유무를 판단하며 분실신고된 카드인지 아닌지를 확인한다(S6).All payment systems operating in the current shopping mall are connected to the system of the Korea Information and Communication when the card payment to determine the abnormality of the card and to confirm whether or not the card reported (S6).
분실신고되지 않았고 카드유효기간이 이상이 없을 경우 한국정보통신의 시스템에서는 카드에 아무런 이상이 없다고 알려주며, 쇼핑몰에서는 이상이 없는 카드로 판단하고 상품대금 만큼의 금액을 카드결제한다(S7,S8).If it is not reported lost and the card validity period is not abnormal, the system of the Korea Information and Communication notifies that there is nothing wrong with the card, the shopping mall judges that there is no abnormality and pays the amount as much as the product price (S7, S8).
그러나 이와 같은 종래의 방법에 있어서는 카드를 분식하고 분실신고를 하지 않은 경우 쇼핑몰에서 얼마든지 물건을 구입할 수 있으며 이로 인한 피해가 급격히 늘어나고 있는 추세이다.However, in such a conventional method, if a card is classified and lost is not reported, the user can purchase any number of items at a shopping mall, and the damage caused by this is rapidly increasing.
또한, 이러한 문제점 때문에 사용자가 카드결제를 기피하고 있으므로 전자상거래 시장이 활성화되지 못하고 최근 급격히 보급된 인터넷 환경을 제대로 활용하지 못하여 경제적인 손실이 큰 실정이다.In addition, due to these problems, the user avoids the payment of the card, so the electronic commerce market cannot be activated, and the economic situation is large because it is not able to utilize the recently rapidly spread internet environment.
최근 이와 같은 문제를 해결하기 위해 전자화폐 또는 사이버머니 등이 개발되었지만 이 또한 분실시 대책이 미흡하여 효율성이 없는 실정이다.Recently, electronic money or cyber money has been developed to solve such problems, but this situation is also inefficient due to insufficient measures for loss.
본 발명은 이와 같은 종래의 문제점을 해결하기 위하여 안출한 것으로, 본 발명의 목적은, 인터넷 쇼핑몰에서 카드결제를 희망하는 사람이 미리 자신의 음성암호를 음성암호확인시스템에 등록해 놓고 기술협력을 체결한 쇼핑몰 또는 은행, 증권회사의 인터넷 사이트에 연결하여 원하는 상품을 선택한 후 카드결제시 본인의 음성암호를 한번 더 확인하는 음성인식기술을 이용한 전자상거래 인증 시스템을 제공하는데 있다.The present invention has been made in order to solve such a conventional problem, the object of the present invention, the person who wishes to pay the card in the Internet shopping mall registered his voice password in advance in the voice password confirmation system and concluded technical cooperation It provides an electronic commerce authentication system using voice recognition technology that checks the user's voice password once more by selecting a desired product by connecting to an Internet site of a shopping mall or a bank or a securities company.
본 발명의 다른 목적은, 음성뿐만 아니라 지문인식이나 홍채인식기술을 이용하여 보다 정밀한 보안검정을 할 수 있으므로 누구나 안심하고 카드결제를 함으로써 전자상거래를 활성화시켜 산업발전에도 크게 기여할 수 있는 음성인식기술을 이용한 전자상거래 인증 시스템을 제공하는데 있다.Another object of the present invention is to provide a voice recognition technology that can contribute to the development of the industry by activating the electronic commerce by paying the card with confidence because it is possible to perform a more precise security test using fingerprint recognition or iris recognition technology as well as voice. The present invention provides an electronic commerce authentication system.
도 1은 종래 카드 결제를 이용한 전자결제 시스템의 플로우챠트1 is a flowchart of an electronic payment system using a conventional card payment
도 2는 본 발명에 따른 전자상거래 인증 시스템의 구성도2 is a block diagram of an e-commerce authentication system according to the present invention
도 3은 본 발명의 전자상거래 인증시스템의 플로우챠트3 is a flow chart of the e-commerce authentication system of the present invention
〈도면의 주요 부분에 대한 부호의 설명〉<Explanation of symbols for main parts of drawing>
5:인터넷 10:회원5: Internet 10: members
20:시스템부 30:음성암호확인시스템20: system unit 30: voice password confirmation system
31:웹서버 32:데이터베이스 서버31: Web server 32: Database server
이러한, 본 발명의 목적은 화자종속 방식의 음성인식 기술을 이용한 음성암호확인시스템을 운영하며, 회원이 자신의 음성암호를 등록하는 제 1단계, 음성암호확인을 희망하는 쇼핑몰 또는 은행, 증권사 등과 계약을 체결하는 제 2단계, 상기 음성암호를 등록한 회원이 계약을 체결한 인터넷 사이트에 접속하여 쇼핑몰이나 증권시스템 또는 인터넷뱅킹 시스템중 하나의 시스템에 선택적으로 접속 및 사용하는 제 3단계, 원하는 상품 및 결제방법을 선택하고, 카드번호와 카드유효기간을 입력하면 한국정보통신에서 카드 이상 유무를 판단하는 제 4단계, 카드정상시 음성암호 확인 요청시 각 인터넷 사이트는 회원정보를 소정의 서버에서 운영하는 음성암호확인시스템에 연결하여 본인여부를 확인한 후 카드 결제를 하는 제 5단계, 계약 체결회사로부터 조회 건수당 일정 금액의 확인 수수료를 받는 제 6단계로 이루어짐을 특징으로 하는 음성인식기술을 이용한 전자상거래 인증 시스템에 의하여 달성될 수 있다.The object of the present invention is to operate a voice password verification system using a speaker-dependent voice recognition technology, the first step of the member to register his or her voice password, contract with a shopping mall or bank, securities company wishing to verify the voice password The second step of signing the third step, the third step of selectively accessing and using one of the shopping mall, the securities system or the internet banking system by accessing the internet site to which the registered member of the voice password is signed, the desired goods and payment After selecting the method and entering the card number and the validity period of the card, the fourth step of determining whether there is a card abnormality in Korea Information and Communication, and when requesting the confirmation of the voice password at the normal time of the card, each Internet site operates the member information on the predetermined server. Step 5 of connecting with the password verification system and checking the identity of the card, It can be achieved by e-commerce authentication system using voice recognition technology that features made of an sixth stage cases receive a confirmation of payment fee schedule amount.
또한, 본 발명은 지문이나 홍채를 이용하여 보다 정밀한 암호 확인을 할 수 있는 것을 포함한다.In addition, the present invention includes the use of a fingerprint or the iris can be more precise password verification.
이하, 본 발명의 실시 예를 첨부된 도면을 참고로 하여 상세히 설명하면 다음과 같다.Hereinafter, an embodiment of the present invention will be described in detail with reference to the accompanying drawings.
도 2는 본 발명의 구성도로, 인터넷(5)과 연결된 음성암호확인시스템에 가입하며, 쇼핑몰이나 인터넷뱅킹 시스템 또는 증권거래 시스템중 하나의 시스템에 선택적으로 접속 및 사용할 수 있는 회원(10)과, 상기 인터넷(5)에 전용선을 통하여 연결되며 회원들이 연결하여 사용할 수 있는 시스템부(20)(예를 들어, 쇼핑몰이나 인터넷뱅킹 시스템 또는 증권거래 시스템)와, 상기 인터넷(5)과 시스템부(20)에 연결되며 웹 서버(31)와 데이터 베이스 서버(32)를 갖는 음성암호확인시스템(30)를 포함하여 구성된다.2 is a block diagram of the present invention, a member 10 that subscribes to a voice password verification system connected to the Internet 5 and which can selectively access and use one of a shopping mall, an internet banking system, or a stock trading system; The system unit 20 (for example, a shopping mall or an Internet banking system or a stock trading system) connected to the Internet 5 through a dedicated line and used by members, the Internet 5 and the system unit 20 It is configured to include a voice password confirmation system 30 having a web server 31 and a database server (32).
단, 상기 데이터 베이스 서버(32)는 시스템부(20)에 연결되어 정보를 주고 받는다.However, the database server 32 is connected to the system unit 20 to exchange information.
이와 같이 구성된 본 발명의 작용을 도 3을 참고로 하여 설명하면 다음과 같다.The operation of the present invention configured as described above will be described with reference to FIG. 3.
본 발명은 자체 음성암호확인시스템(30)을 구축하고 타 사업체와 링크를 통해 보안 검정을 실현할 수 있다.The present invention can implement its own voice password verification system 30 and implement security verification through links with other businesses.
즉, 본 발명은 화자종속 방식의 음성인식 기술을 이용한 음성암호확인시스템(30)을 개발하여 운영하고 있는 상태에서 시스템부(20)에서 카드결제를 희망하는 사람이 미리 자신의 음성암호를 음성암호확인시스템(30)의 데이터 베이스 서버(32)에 등록해 놓고 회원(10)이 된다.That is, according to the present invention, a person who wishes to pay the card in the system unit 20 in advance in the state of developing and operating a voice password confirmation system 30 using a speaker-dependent voice recognition technology, voice code the voice code in advance. It is registered in the database server 32 of the confirmation system 30, and becomes a member 10.
그리고 영업을 진행하여 음성암호확인을 희망하는 시스템부(20) 예를 들어, 쇼핑몰, 증권 거래시스템 또는 인터넷 뱅킹 시스템과 계약을 체결한다.In addition, the system unit 20 which wishes to confirm the voice password by proceeding with the business, for example, enters into a contract with a shopping mall, a stock trading system or an internet banking system.
상기 음성암호를 등록한 회원(10)이 계약을 체결한 인터넷(5)의 사이트에 접속하여 대금결제를 하는 과정에서 음성암호 확인을 희망하면 각 인터넷(5)의 사이트는 회원정보를 가지고 소정의 서버에서 운영하는 음성암호확인시스템(30)에 연결하여 본인여부를 확인한 후 결제를 하며, 이때 음성암호확인시스템(30)의 데이터 베이스 서버(32)에서 음성암호확인시스템(30)에 회원 보안 정보를 제공한다.If the member 10 who registered the voice password wishes to check the voice password in the process of making a payment by accessing a site of the Internet 5 to which a contract has been signed, each Internet 5 site has a member server with a member information. Connect to the voice password verification system (30) operated by the user to confirm whether the payment is made at this time, the member security information to the voice password verification system (30) in the database server 32 of the voice password verification system (30) to provide.
즉, 사용자 쇼핑몰 연결 상태에서(S11), 원하는 상품 및 결제방법을 선택하고(S12), 카드결제시 카드번호 입력, 카드유효기간 입력, 한국정보통신에 카드 이상유무를 판단한 후 카드 정상시 음성 암호를 확인하여 이상이 없을 때 카드결제를 수행한다(S13-S19).That is, in the connected state of the user shopping mall (S11), select the desired product and payment method (S12), enter the card number at the time of card payment, enter the card validity period, determine whether the card abnormality in Korea Information and Communication, and then the voice password when the card is normal Check and perform card payment when there is no abnormality (S13-S19).
이와 같이 음성암호를 이용한 회원확인 및 결제가 이루어진 후에는 계약 체결회사로부터 조회 건수당 일정금액의 확인 수수료를 받는다.In this way, after the membership verification and payment is made using the voice password, a contract fee confirmation fee is received from the contracting company.
한편, 본 발명은 음성뿐만 아니라 지문인식이나 홍채인식기술을 이용하여 보다 정밀한 보안검정을 할 수 있으므로 누구나 안심하고 카드결제를 함으로써 전자상거래를 활성화시켜 산업발전에도 크게 기여할 수 있다.On the other hand, the present invention can be more precise security check using fingerprint recognition or iris recognition technology as well as voice, anyone can make a big contribution to the industrial development by activating the electronic commerce by payment card with confidence.
이상에서 설명한 바와 같은 본 발명은 컴퓨터에 연결되어 있는 마이크를 이용하여 본인의 음성(또는 지문, 홍채, 문자비밀번호)암호를 미리 등록해 놓고 이 음성암호확인시스템를 채택한 쇼핑몰이나 금융권의 인터넷 뱅킹 및 증권 거래시스템에 연결하여 카드결제 또는 자금이체를 할 경우 본인 확인시 자신이 미리 등록해 놓은 음성암호를 확인한 후 결제함으로써 카드분실 또는 문자 비밀번호 유출시에도 안심하고 전자상거래를 활용할 수 있는 효과가 있다.As described above, the present invention registers a user's voice (or fingerprint, iris, text password) password in advance using a microphone connected to a computer, and uses the voice password verification system for internet banking and securities transactions. In the case of payment or transfer of funds by connecting to the system, it is possible to use e-commerce with confidence in case of card loss or text password leakage by checking and confirming the voice password registered in advance when checking the identity.
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KR20000049977A (en) * | 2000-05-09 | 2000-08-05 | 이헌 | Electronic money certification, deposit, sanction system using an authenticating method employing biological traits and electronic commerce clear system |
KR20000050321A (en) * | 1999-01-06 | 2000-08-05 | 구자홍 | Authentication apparatus and method for electronic commerce |
KR20000064144A (en) * | 2000-08-24 | 2000-11-06 | 왕상주 | Method of electronic commerce using speech, and system therefor |
KR20000064050A (en) * | 2000-08-18 | 2000-11-06 | 김태준 | Method to provide service of warranty on electronic commerce |
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KR20010069650A (en) * | 2001-04-25 | 2001-07-25 | 백종관 | Method of Recognizing Vocabulary Comprised by Number and Simultaneously Identifying Speaker and System Therefor |
KR20010070904A (en) * | 2001-06-18 | 2001-07-27 | 양창섭 | The iris cognizance security system and user certification method using PC camera |
KR20020004578A (en) * | 2000-07-06 | 2002-01-16 | 황인호 | A service providing system and the providing method using virtual helper |
KR20020010435A (en) * | 2000-07-26 | 2002-02-04 | 조정남 | User verification method and system by using voice for use in electronic commerce |
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KR20020035382A (en) * | 2000-11-06 | 2002-05-11 | 김대중 | An on line media servicing system using voice authentication and the method thereof |
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KR20020051142A (en) * | 2000-12-22 | 2002-06-28 | 차광신 | Method for certifying a justness of a electronic publication user |
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KR20040016182A (en) * | 2002-08-16 | 2004-02-21 | 인터뱅크 주식회사 | Method and system for verifying user |
KR100442118B1 (en) * | 2001-07-31 | 2004-07-27 | 김유진 | Method of user authentication based on the web using biometrics technology |
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KR20000050321A (en) * | 1999-01-06 | 2000-08-05 | 구자홍 | Authentication apparatus and method for electronic commerce |
KR20000049977A (en) * | 2000-05-09 | 2000-08-05 | 이헌 | Electronic money certification, deposit, sanction system using an authenticating method employing biological traits and electronic commerce clear system |
KR20020004578A (en) * | 2000-07-06 | 2002-01-16 | 황인호 | A service providing system and the providing method using virtual helper |
KR20020010435A (en) * | 2000-07-26 | 2002-02-04 | 조정남 | User verification method and system by using voice for use in electronic commerce |
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KR20000064050A (en) * | 2000-08-18 | 2000-11-06 | 김태준 | Method to provide service of warranty on electronic commerce |
KR100373989B1 (en) * | 2000-08-22 | 2003-02-26 | 주식회사 드림캐스트 | Method for identification of user using of cognition by syllable and its system |
KR20000064144A (en) * | 2000-08-24 | 2000-11-06 | 왕상주 | Method of electronic commerce using speech, and system therefor |
KR20020035382A (en) * | 2000-11-06 | 2002-05-11 | 김대중 | An on line media servicing system using voice authentication and the method thereof |
KR20020045150A (en) * | 2000-12-08 | 2002-06-19 | 강희태 | The System of File Transmission and Management using Voice Verification and the Method thereof |
KR20020051142A (en) * | 2000-12-22 | 2002-06-28 | 차광신 | Method for certifying a justness of a electronic publication user |
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KR20010069650A (en) * | 2001-04-25 | 2001-07-25 | 백종관 | Method of Recognizing Vocabulary Comprised by Number and Simultaneously Identifying Speaker and System Therefor |
KR20020091944A (en) * | 2001-06-01 | 2002-12-11 | 리얼아이디테크놀러지 주식회사 | Lottery management system using bio-information |
KR20020093509A (en) * | 2001-06-09 | 2002-12-16 | 주식회사 한틀시스템 | Electronic commerce method using audio signal of mobile station and system therefor |
KR20010070904A (en) * | 2001-06-18 | 2001-07-27 | 양창섭 | The iris cognizance security system and user certification method using PC camera |
KR20020096258A (en) * | 2001-06-19 | 2002-12-31 | 주식회사 루나테크 | Method for certification on the internet |
KR20020097396A (en) * | 2001-06-20 | 2002-12-31 | 바이오링크테크놀로지(주) | Fingerprint Authentication Solution in Internet |
KR100442118B1 (en) * | 2001-07-31 | 2004-07-27 | 김유진 | Method of user authentication based on the web using biometrics technology |
KR20030063762A (en) * | 2002-01-24 | 2003-07-31 | 주식회사 어니언소프트웨어 | Method and apparatus for verifying user using voice of user |
KR20040016182A (en) * | 2002-08-16 | 2004-02-21 | 인터뱅크 주식회사 | Method and system for verifying user |
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