KR20130082645A - Voice recognition of smart phone banking - Google Patents

Voice recognition of smart phone banking Download PDF

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Publication number
KR20130082645A
KR20130082645A KR1020110133415A KR20110133415A KR20130082645A KR 20130082645 A KR20130082645 A KR 20130082645A KR 1020110133415 A KR1020110133415 A KR 1020110133415A KR 20110133415 A KR20110133415 A KR 20110133415A KR 20130082645 A KR20130082645 A KR 20130082645A
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South Korea
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voice
user
smart phone
unit
smartphone
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KR1020110133415A
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Korean (ko)
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장형윤
전대선
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장형윤
전대선
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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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L17/00—Speaker identification or verification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
    • H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
    • H04N21/43—Processing of content or additional data, e.g. demultiplexing additional data from a digital video stream; Elementary client operations, e.g. monitoring of home network or synchronising decoder's clock; Client middleware
    • H04N21/441—Acquiring end-user identification, e.g. using personal code sent by the remote control or by inserting a card
    • H04N21/4415—Acquiring end-user identification, e.g. using personal code sent by the remote control or by inserting a card using biometric characteristics of the user, e.g. by voice recognition or fingerprint scanning

Abstract

PURPOSE: A voice recognition-using smartphone banking payment method is provided to eliminate the need to carry a security card for a financial transaction by providing a simple authentication process for a financial service on a smartphone. CONSTITUTION: A transmission unit (103) of a smartphone (101) recognizes the voice of a user. A storage unit (109) stores the voice recognized by the transmission unit. A determination unit (107) determines whether the stored voice is the user. When the stored voice turns out to be the user, a communication unit (105) gets accessed to a financial service via a bank network. [Reference numerals] (103) Transmission unit; (105) Communication unit; (107) Determination unit; (109) Storage unit

Description

음성인식을 이용한 스마트폰뱅킹 결제방법 {voice recognition of smart phone banking}Smartphone banking payment method using voice recognition {voice recognition of smart phone banking}

본 발명은 스마트폰을 이용하는 모바일 뱅킹에 있어 사용자의 성문을 통한 보안 인증을 하는 시스템을 이용하여 편리하고 뛰어난 보안성으로 사용할 수 있는 방법에 관한 것이다.The present invention relates to a method that can be used with convenient and excellent security by using a system for security authentication through the user's gate in mobile banking using a smartphone.

통신기술의 발달과 멀티미디어 기술의 발달로 단말기 및 이동통신기기들은 고성능화되고 경량화 되면서 실생활에 유용하게 제작되었다. 특히 스마트폰은 젊은 세대 대부분이 한대씩은 소지하고 있을 정도로 생활필수품으로 자리 잡으면서 다양한 형태로 사용방법이 발전되었다. With the development of communication technology and the development of multimedia technology, terminals and mobile communication devices have been made to be useful in real life while becoming high performance and light weight. In particular, smart phones have been developed as a necessity of life, with most of the younger generation possessing one by one.

한편, 최근 들어, 이동통신 단말기의 기능 및 PDA(Personal Digital Assistant)의 기능을 결합시킨 스마트폰(Smart phone)이 각광받고 있는 추세이다. 이러한 스마트폰은 휴대 전화에 인터넷 통신과 정보 검색 등 컴퓨터 지원 기능을 추가한 지능형 단말기로서, 기존 이동통신 단말기에 비해 대용량의 메모리와 고성능 CPU(Central Processing Unit)가 탑재되며, 다양한 어플리케이션 실행, 음성/데이터 통신 및 PC (Personal Computer) 연동 등을 지원하기 위한 운영체제(OS)가 탑재된다. 이러한 스마트폰을 이용하게 되면, 기존 이동통신 단말기와 달리 인터넷 이용이 매우 자유롭다.On the other hand, in recent years, smart phones that combine the functions of a mobile communication terminal and a function of a personal digital assistant (PDA) have been in the spotlight. This smartphone is an intelligent terminal that adds computer support functions such as internet communication and information search to a mobile phone. It is equipped with a large capacity memory and a high performance CPU (Central Processing Unit) compared to existing mobile communication terminals, And an operating system (OS) for supporting data communication and PC (personal computer) interworking. Unlike the conventional mobile communication terminal, the use of the Internet is very free.

특히, 스마트폰은 사용자가 원하는 어플리케이션을 외부에서 다운로드하여 설치할 수 있는 것이 특징이다. In particular, the smart phone is capable of downloading and installing an application desired by the user from the outside.

본 발명은 스마트폰 어플리케이션인 스마트뱅킹의 길고 복잡한 인증방법을 사람마다 발성기관의 차이로 인해 개인별로 다른 고유한 성문을 이용하여 본인인증을 하여 스마트폰뱅킹의 결제를 빠르고 간단하게 할 수 있는 스마트폰뱅킹 및 본인인증방법에 관한 것이다.
The present invention is a smart phone banking that can be quickly and simply payment of the smart phone banking by using a unique and different fingerprints for each person due to the difference in the voice organs for each person in the long and complex authentication method of smart banking smart phone application and It is about identity verification method.

본 발명은 현재 스마트폰 이용자들이 스마트폰뱅킹 및 스마트폰 결제에 관한 어플리케이션을 사용할 때 많은 단계와 복잡한 인증구조로 인해 신속하고 간결한 결제가 불가능하다. 또한 스마트폰 신용카드 등의 금융서비스 사용할 때 단말기 분실로 인한 신용카드 무단도용을 방지할 수 있는 간단하고 정확한 인증을 통해 스마트폰을 이용한 금융서비스의 편의와 보안성을 강화하고자 한다.The present invention is not possible quickly and concise payment due to the many steps and complicated authentication structure when the smart phone users use applications related to smart phone banking and smart phone payment. In addition, we will enhance the convenience and security of financial services using smartphones through simple and accurate authentication that can prevent unauthorized use of credit cards due to the loss of terminals when using financial services such as smartphone credit cards.

본 발명의 한 특징에 따르면 스마트폰이 제공된다. 이 스마트폰은, 휴대 전화 기능 및 컴퓨팅 기능을 구비하는 스마트폰에 있어서, 사용자의 목소리를 인식할 수 있는 마이크로 사용될 수 있는 송화부와; 사용자의 목소리를 입력할 수 있는 저장부; 상기 사용자의 목소리를 판별하여 사용자를 인증하는 판별부; 및 무선 네트워크를 통해 연결된 결제 시스템과 연동하여 서비스를 실행하는 통신부를 포함한다According to one aspect of the invention there is provided a smartphone. The smart phone includes: a smart phone having a cellular phone function and a computing function, comprising: a transmitter that can be used as a microphone capable of recognizing a voice of a user; A storage unit for inputting a voice of a user; A discriminating unit for authenticating the user by determining the voice of the user; And a communication unit executing a service in association with a payment system connected through a wireless network.

발명의 다른 특징에 따르면 금융서비스 시스템과 음성인식 및 판별방법이 제공된다. 금융서비스 시스템은, 휴대 전화 기능 및 컴퓨팅 기능을 구비하는 스마트폰과 이동통신망을 통해 연결되는 금융 서비스 시스템에 있어서, 상기 스마트폰으로부터 은행에 금융서비스가 요청되면, 해당금융 업체의 서버로로부터 상기 금융서비스에 대응되는 서비스를 스마트폰으로 선택하는 선택부; 상기 스마트폰으로부터 상기 서비스의 결제를 요청받아 은행망과 연동하여 기 정의된 결제 프로세스에 따른 결제 처리를 수행하는 결제부; 및 상기 결제부가 결제 처리를 하기 위해 보안 및 본인확인을 위한 인증부를 포함한다.According to another feature of the invention, a financial service system and a voice recognition and discrimination method are provided. The financial service system is a financial service system connected to a smart phone having a mobile phone function and a computing function through a mobile communication network. When a financial service is requested to a bank from the smart phone, the financial service system receives the financial information from a server of the financial company. A selection unit for selecting a service corresponding to the service as a smartphone; A payment unit which receives a request for payment of the service from the smartphone and performs payment processing according to a predefined payment process in connection with a bank network; And an authentication unit for security and identity verification for the payment unit to process the payment.

본 발명의 또 다른 특징에 음성인식 및 판별방법이 제공된다. 이 방법은, 휴대 전화 기능 및 컴퓨팅 기능을 구비하는 스마트폰과 이동통신망을 통해 연결되는 금융 서비스 시스템에 있어서, 상기 스마트폰에 저장된 사용자의 음성을 저장할 수 있는 저장부와 사용자의 음성과 결제시에 인증할 때 입력되는 이용자의 음성을 동일인 여부를 판별할 수 있는 판별부를 포함하고, 해당단말기의 사용자의 음성을 녹음을 통해 저장하는 단계; 원하는 금융서비스를 선택하는 단계; 보안을 위한 본인인증 단계; 및 상기 금융서비스의 결제를 하는 단계를 포함하고, 상기 금융서비스의 결제 시스템은 은행망에 접속하여 기 정의된 결제 프로세스에 따른 결제 처리를 수행한다.In still another aspect of the present invention, a voice recognition and discrimination method is provided. This method is a financial service system connected to a smart phone having a mobile phone function and a computing function through a mobile communication network, the storage unit capable of storing the user's voice stored in the smart phone and the user's voice and authentication at the time of payment And a determining unit capable of determining whether or not the voice of the user inputted is the same, and storing the voice of the user of the corresponding terminal through recording; Selecting a desired financial service; Identity verification step for security; And making a payment for the financial service, wherein the payment system of the financial service accesses a bank network and performs a payment process according to a predetermined payment process.

본 발명의 실시 예에 따르면, 스마트폰뱅킹을 이용하여 금융서비스를 이용할 때 간결하고 쉬운 인증절차를 제공하며, 이로 인해 기존에 이용자들이 항상 소지하고 다니던 보안카드를 소지할 필요 없으며 해당 단말기를 분실하였을 때 해당이용자의 단말기를 습득한 사람이 그 단말기를 통해 상기 이용자의 금융서비스를 무단으로 사용함을 방지할 수 있다.According to an embodiment of the present invention, when using a financial service using smart phone banking provides a concise and easy authentication process, and thus do not have to carry a security card that the user always carried, and when the terminal is lost The person who has acquired the terminal of the user can be prevented from using the user's financial services without permission through the terminal.

또한, 상기 음성인식 본인인증 절차를 스마트폰을 포함하는 기존의 모바일 단말기, PC, PDA. 노트북 등 음성인식가능한 장치가 달린 가전제품을 이용하여 은행에 직접 가지 않고 금융서비스를 이용하는 분야에도 기존의 인증단계대신 사용하여도 좋다.In addition, the voice recognition self-authentication procedure is a conventional mobile terminal, including a smart phone, PC, PDA. Home appliances with voice recognition devices, such as laptops, may be used instead of the bank's existing authentication stages in areas where banking services are used directly.

본 발명은 기존의 수많은 인증절차를 대신하여 음성인식 시스템을 인증단계로 이용하여 편리성과 보안성을 갖추어 스마트폰을 포함한 기존의 모바일 단말기, PC, PDA. 노트북 등을 인터넷망을 통하여 은행망과 연계하여 실시간 금융서비스가 수행되므로, 상기이용자가 보안카드 등을 항시 휴대할 필요 없이 간단하고 빠르게 업무를 처리할 수 있다.The present invention uses a voice recognition system as an authentication step in place of the existing numerous authentication procedures, equipped with convenience and security, and existing mobile terminals including a smart phone, PC, PDA. Since the real-time financial service is performed by connecting a laptop or the like with the bank network through the Internet network, the user can easily and quickly perform business without having to carry a security card at all times.

101 : 스마트폰
103 : 송화부
105 : 통신부
107 : 판별부
109 : 저장부101: smartphone
103: callout
105:
107: determination unit
109: storage unit

이하 첨부된 도면을 참조하여, 본 발명의 바람직한 실시 예에 따라 본 발명을 상세히 설명하기로 한다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

본 명세서에서 스마트폰은 휴대 전화에 인터넷 통신과 정보검색 등 컴퓨터 지원 기능을 추가한 지능형 단말기를 의미하며, 사용자가 원하는 애플리케이션을 설치할 수 있는 것이 특징인 단말기이다. In the present specification, a smartphone refers to an intelligent terminal that adds a computer support function such as Internet communication and information search to a mobile phone, and is a terminal characterized by installing an application desired by a user.

이하, 도면을 참조로 하여 본 발명의 실시예에 따른 물품 결제 서비스를 제공하는 스마트폰을 포함하는 기존의 모바일 단말기, PC, PDA. 노트북등 , 시스템 및 그 방법에 대하여 상세히 설명한다.Hereinafter, with reference to the drawings, a conventional mobile terminal, PC, PDA, including a smart phone to provide goods payment service according to an embodiment of the present invention. The notebook and the like, and the system and its method will be described in detail.

본 발명을 사용하기 위해 기존에 사용하던 스마트뱅킹 시스템을 개인의 지문과 같은 목소리의 성문을 통해 사람을 판별하는 시스템을 결합하여 인증절차로 사용한다.In order to use the present invention, the existing smart banking system is used as an authentication procedure by combining a system for identifying a person through a voiceprint of a voice such as an individual's fingerprint.

도1은 본 발명의 바람직한 실시 예의 사용할 수 있는 스마트폰의 개략도이다.1 is a schematic diagram of a smartphone that can be used in the preferred embodiment of the present invention.

개략도는 송화부(103)와 통신부(105), 판별부(107), 저장부(109)으로 구성된다.The schematic diagram is composed of a talker 103, a communicator 105, a discriminator 107, and a storage 109. FIG.

상기 스마트폰(101)은 상기 스마트뱅킹을 이용할 때 통신부(105)를 통해 해당 은행망과 시스템 구축하여 해당은행의 금융서비스를 이용할 수 있으며, 본인인증 단계를 통해 보안을 유지한다.The smart phone 101 can use the financial services of the bank by establishing a system with the bank network through the communication unit 105 when using the smart banking, and maintains security through the identity authentication step.

상기 본인인증 단계는 상기 스마트폰(101)에서 어플리케이션을 설치한 후에 이용자 등록과 함께 본인음성을 송화부(103)를 이용하여 저장부(109)에 저장한 후에 사용 가능하며, 더 강한 보안이 필요한 경우에 해당은행에서 상기스마트뱅킹을 가입할 때 해당은행에 음성을 기록하여 향후 상기 스마트뱅킹 사용시 스마트폰(101)의 통신부(105)를 이용하여 본인인증단계를 거쳐도 좋다.The identity authentication step can be used after storing the user voice in the storage unit 109 using the transmitter 103 with the user registration after installing the application in the smart phone 101, stronger security is required In this case, when registering the smart banking in the bank, the voice may be recorded in the bank and subjected to an identity verification step using the communication unit 105 of the smart phone 101 when the smart banking is used in the future.

또한 기존의 어떤 금융 서비스라 할지라도 편리하고 뛰어난 보안성이 필요한 경우 상기 송화부(103)와 같은 기능을 할 수 있는 가전제품이라면 상기 음성인식 기능을 적용하여도 좋다.
In addition, in the case of any existing financial service, if the convenience and excellent security is necessary, if the home appliance that can function as the transmitter 103, the voice recognition function may be applied.

Claims (2)

상기 스마트폰(101)에서 사용자의 음성을 인식할 수 있는 송화부(103);
상기 송화부(103)에서 인식한 음성을 저장하는 저장부(109);
상기 저장부(109)에서 저장한 음성과 사용자의 목소리를 판별하는 판별부(107);
상기 판별부(107)에서 본인인증 단계를 거친 후 은행망을 통해 금융서비스를 이용하는 통신부(105);를 포함하는 음성인식 스마트폰뱅킹 결제시스템
A transmitter 103 capable of recognizing a user's voice in the smartphone 101;
A storage unit 109 for storing the voice recognized by the talker 103;
A discriminating unit 107 for discriminating between the voice stored in the storage unit 109 and the user's voice;
Voice recognition smart phone banking payment system, including; communication unit 105 using a financial service through the bank after the identity verification step in the determination unit 107
제1항 있어서,
상기 송화부(103)에서 인식한 음성을 해당은행에 기록된 음성과 판별하는 본인인증 단계를 거치기 위해 해당은행에 보내는 통신부(105);를 포함하는 음성인식 스마트폰뱅킹 결제시스템The method of claim 1,
Voice recognition smart phone banking payment system including; communication unit 105 to send to the bank to go through the identity verification step to determine the voice recognized by the transmitter 103 and the voice recorded in the bank;
KR1020110133415A 2011-12-13 2011-12-13 Voice recognition of smart phone banking KR20130082645A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180057507A (en) * 2016-11-21 2018-05-30 삼성전자주식회사 Device and method for sending money using voice
US11605081B2 (en) 2016-11-21 2023-03-14 Samsung Electronics Co., Ltd. Method and device applying artificial intelligence to send money by using voice input

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180057507A (en) * 2016-11-21 2018-05-30 삼성전자주식회사 Device and method for sending money using voice
US11605081B2 (en) 2016-11-21 2023-03-14 Samsung Electronics Co., Ltd. Method and device applying artificial intelligence to send money by using voice input

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