KR20000049657A - Phonenumber And Fingerprint Proof Type Tele-banking Service System - Google Patents

Abstract

PURPOSE: A system of supplying telebanking services is provided to prevent a credit account embezzlement by other telephone of other person, by using a fingerprint and a transaction telephone only of a customer to realize financial transactions for credit rights, and by identifying whether a telephone number and a fingerprint of a credit account are equal to the fingerprint and the telephone of the customer through a telephone number retrieval/security system and a fingerprint signal retrieving system, when the customer requests the financial transactions with the registered transaction telephone. CONSTITUTION: A telephone number of a transaction telephone(2) of a customer(1) and fingerprint data are supplied to a managing bank(10) as ID authentication signals connected to a credit account. The telephone number and the fingerprint data are electronically registered in a telephone number retrieval/security system(4) and a fingerprint signal retrieving system(5) connected to a telebanking system(3). When the customer wants financial transactions, the managing back is called through the transaction telephone. The managing bank is connected with the telebanking system, and the financial transactions are realized. The telebanking system identifies whether the telephone number registered in the credit account and a telephone number of a transmitter are equal. The fingerprint signal retrieving system authenticates whether a fingerprint signal registered in the credit account and a fingerprint signal suggested when the financial transactions are performed are equal, to approve the financial transactions. If the financial transactions are performed without any problems, self/other account transactions, customer terminal(8) transactions, automatic teller machine(9) transactions are performed. Calculating processes are performed in the self/other account transactions by a transaction manage system(6).

Description

Phone number and Fingerprint Proof Type Tele-banking Service System

The present invention registers the data of the unique phone number and the customer fingerprint (biometric) assigned to the customer's transaction phone (wired, wireless phone and Internet phone) as an ID authentication signal linked to the account of the credit authority, and the customer performs the financial transaction. When requested, the telephone number retrieval system and the fingerprint signal retrieval system ensure that the customer's telephone number and fingerprint signal match the registered telephone number and fingerprint signal to realize financial transactions. Only when the phone is used and fingerprint recognition is possible, the financial transaction of the credit to account is realized, and the telephone number and fingerprint authentication type telebenking service system is characterized in that it prevents the customer from using the credit account by another phone. It is about.

In the conventional credit card financial service system, when a customer who opens a credit account presents a credit card with an account number, he / she checks the credit status of the financial transaction using a transaction terminal, and then executes a credit settlement and installment financing transaction. It's taking a business model approach that makes it a reality. However, when making a financial transaction by presenting a credit card, the account number as well as the password are exposed to others, and there is a risk of being stolen by others.If you do not use a transaction inquiry machine, the credit status cannot be verified. It is difficult to realize the transaction, and the merchant member has to suffer a lot of inconvenience, such as submitting the receipt of the receipt to the card management company and withdrawing the transaction amount after a certain period of time when the settlement process is completed.

Meanwhile, the conventional telebanking service system realizes online financial transactions such as deposits, transfers, and remittances by using a telephone. This system also realizes financial transactions using any telephone if the account number and password are known. There are many cases of disputes over responsible material in financial accidents because of the possibility of easy theft by the customers and the difficulty of verifying that the customer himself made a transaction in the banks or accounts connected to the telecommunications.

To compensate for this, a service system that establishes a security system based on fingerprint (bio fingerprint recognition) signals in place of the password retrieval security system when conducting financial transactions through electronic media to authenticate financial accounts and realize financial transactions. However, this fingerprint signal can also be easily copied by using a signal programmed by an advanced electronic device, so that another person can easily steal the customer's credit account through his or her telecommunication medium or PC device.

Therefore, in order to eliminate the damage caused by the exposure or theft of account number and authentication signal and to process the payment of credit transaction quickly, the phone number assigned to the customer's phone together with the fingerprint signal of the customer is registered as the ID accounting signal of the credit account. It is necessary to realize a safer and more convenient phone number and fingerprint authentication type telebanking service that can never steal a customer's credit account even if the user's fingerprint is easily copied and used using a communication medium other than the registered phone. There is.

The present invention relates to a telephone number authentication tele-banking service system directed to solve such a conventional problem, wherein the customer's telephone number and fingerprint (biometric fingerprint) signal of the transaction phone as an ID authentication signal linked to the credit account When a customer requests a financial transaction by using a registered transaction phone, the telephone number search security system and the fingerprint signal search system confirm that the telephone number and the fingerprint signal of the credit account match to realize the financial transaction. It is intended to provide a system that enables the financial transactions of credit authority to be realized only by using a fingerprint phone as well as a customer's transaction phone, so as to thoroughly prevent a customer from stealing a credit account by another phone.

That is, in the present invention, even if another person can obtain and use the account number and the fingerprint signal (or password) of the customer, the customer never uses the phone other than the transaction-only phone in which the customer registers the phone number as the ID authentication signal. By not allowing the transaction to be realized, there is no fear that others will steal the account of the credit authority without the customer's permission, and in the case of a bank or other account that is connected through communication, the customer registers the ID authentication signal of the telephone number in the credit account. Since the user's responsibility is proved by indirectly acknowledging that the transaction has been requested by the user's phone, a telephone number and fingerprint authentication telebenking service system can be used to perform credit transactions without complicated complicated authentication process of the trader's identity. It is to provide.

1 is a phone number and fingerprint authentication telebenking service system configuration

2 is a financial transaction execution flowchart of an embodiment of the present invention.

※ Explanation of codes for main parts of drawing

1: customer, 2: transaction phone,

3: telebenking system, 4: phone number security system,

5: fingerprint signal search security system, 6: transaction management system,

7: transactions with own / other accounts, 8: transactions with customer terminals,

9: Dealing with ATMs 10: Management Bank

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

As shown in FIG. 1, the management bank 10 uses the telephone number and fingerprint (biometric) data of the transaction phone 2, which the customer 1 independently uses, as an ID authentication signal linked to an account of credit authority. The electronic telephone number registration security system (4) and the fingerprint signal search security system (5) associated with the tele-banking system (3), and register the settings electronically. By calling the management bank (10) through the tele-banking system (3) to communicate with the financial transaction for the account to be realized, in the above-mentioned tele-banking system (3), the telephone number registered in the credit account and the caller who called Check whether the phone number search security system (4) and the customer (1) programmed to approve the transaction match the fingerprint signal registered at the credit account and the one presented at the time of transaction. Only when the fingerprint signal retrieval security system 5, which is programmed to authenticate and approve a transaction, has been established and all of their authorizations are established, the settlement is carried out by the transaction management system 6 in connection with the above-mentioned telebenking system 3. The transaction with the child / other account 7, the transaction with the customer terminal 8, and the transaction with the cash dispenser 9 are realized.

On the other hand, the customer terminal 8 is configured to issue a receipt and a detailed statement of the transaction by checking the fact that the transaction has been executed by the telebenching system (3) on the communication, the cash machine (9) is a customer communication It is configured to check the fact that the transaction was executed and withdraw the amount to cash.

The service system of this embodiment of the present invention manages the bank 10 as an ID authentication signal in which the data of the telephone number and fingerprint (biometric) of the transaction phone 2 used by the customer 1 independently is linked to the account of the credit authority. It can be implemented by electronically setting registration to the telephone number retrieval security system (4) and the fingerprint signal retrieval security system (5) associated with the tele-banking system (3), as shown in FIG. ), After registering the account, can call the trading bank on his trading phone (2) and request a transaction of telebenking on his credit account while connected to the telebenking system (3) by communication. According to the present invention, the tele-banking system 3 rejects a transaction if there is no registration account, and if there is a registration account, the connected telephone number search security system 4 preferentially. Check whether the ID number linked to the credit account and the sender's phone number match, and if it does not match, reject the transaction. If it matches, the customer (1) makes a transaction by the fingerprint signal search security system (5). It is checked whether the fingerprint signal presented through the phone 2 and the fingerprint signal registered in the account match each other, and if it does not match again, the transaction is rejected. Once the transaction for the customer's account is approved by the telephone number retrieval security system (4) and the fingerprint signal retrieval security system (5), the telebanking system (3) immediately activates the transaction management system (6) so that the customer (1) The transaction 7 with the customer / other account, the transaction 8 with the customer terminal, the transaction 9 with the cash dispenser, etc. requested through the transaction phone 2 are realized.

That is, in the present invention, a telephone number must be registered as an ID authentication signal in order to thoroughly prevent another person from illegally copying fingerprint data of the customer 1 and then simply stealing the authority of the customer's credit account with a PC. It is a big feature that it is equipped with a dual security system that does not allow all transactions by the customer's credit account unless the call is made using the transaction phone 2 in (1).

As described above, in the present invention, the customer registers the phone number of the transaction phone (wireless, wireless phone and Internet phone) together with fingerprint data as an ID (Identification) authentication signal linked to the account of the credit right. When a financial transaction is requested from a telephone for phone, the telephone number search security system and the fingerprint signal search security system check whether the registered phone number and the fingerprint signal match to realize the financial transaction. It is possible to realize financial transactions through credit authority only. Even if another person duplicates the customer's credit account number and fingerprint signal, the other person cannot steal the customer's credit account using a phone other than the customer's transaction phone. , And for transactions held by the customer on the part of the bank or other counterparty. Because of the fact that using magnetic fingerprint firearms by requesting the transaction will be indirectly proven that carries several Features such as to the credit without any authentication.

Claims (2)

The telephone number and fingerprint (biometric) data of the transactional phone 2 used by the customer 1 independently are provided to the management bank 10 as an ID authentication signal linked to the account of the credit authority, thereby providing a telebanking system (3). And electronically register the phone number retrieval security system (4) and fingerprint signal retrieval security system (5) associated with the call, and then call the management bank (10) through the transaction telephone (2). After the communication with the tele-banking system 3 is established, the financial transaction for the account is realized, but the tele-banking system 3 checks whether the telephone number registered in the credit account and the calling party's telephone number match. The phone number retrieval security system 4 and the customer 1 programmed to approve the certificate are authenticated to verify that the fingerprint signal registered at the credit account matches the fingerprint signal presented at the transaction and approves the transaction. Only when the authorized fingerprint signal retrieval security system 5 is established and all of the authentication approvals thereof are established, the self-other account (7), which is settled by the transaction management system 6 connected with the above-described tele-banking system 3 Telephone number and fingerprint authentication type tele-banking service system, characterized in that the transaction with the customer terminal (8), the transaction with the cash machine (9). The cashier (9) according to claim 1, wherein the customer terminal (8) is configured to issue a receipt and a detailed statement of a transaction by confirming the fact that the transaction is executed by the telebenching system (3) in communication. A telephone number and fingerprint authentication telebenking service system, characterized in that configured to withdraw money in cash by checking the fact that the customer executed the transaction by communication.