KR20170073200A - An automated teller machine and a method for operating it - Google Patents

Abstract

An operation method of a financial automatic machine according to an embodiment of the present invention includes: acquiring first authentication information from a blindness check certificate provided by a user; Acquiring second authentication information from the image information photographed by the user; And transmitting multiple authentication information for non-face real name authentication of the financial service to the server based on the first authentication information and the second authentication information, And time information for comparing the obtained first time information and the obtained second time information with the second authentication information.

Description

FIELD OF THE INVENTION [0001] The present invention relates to an automated teller machine (ATM)

The present invention relates to a financial automatic machine and an operation method thereof. More particularly, the present invention is to provide a financial automation device and a method of operating the same for providing financial services for providing an Internet financial service in which personal information protection and security are enhanced and efficiency and user convenience are improved in accordance with a shortened procedure.

Automated Teller Machine (ATM) basically provides many financial services performed by financial institutions such as banks and village safes. The user can execute the desired financial transaction in a short time by simply manipulating the financial automation device installed in the bank without going through the bank account in the account transfer, balance inquiry, deposit withdrawal, and bank account settlement. Due to these advantages of the financial automation equipment, the number of customers, the installation number and the installation place of the financial automation equipment are rapidly increasing, and nowadays, it becomes easy to find the financial automation equipment anywhere.

However, in the case of opening an account, since face-to-face confirmation is required in identity verification, there is a problem in that it can not be processed in a financial automatic machine. However, recently, it is expected that Internet banking will be paid attention to overcome. In recent years, there has been a move to reexamine the interpretation and practices of financial reforms that require confirmation of face-to-face confirmation according to the Financial Real Name Act.

However, the non - contact identification method of Internet banking requires a solution to solve or relax the legal constraints of the account opening or the burden of the customer, which poses the problem that there is no clear real name authentication system that can completely replace face - to - face verification.

Especially, in a limited system environment such as a financial automation device, it is difficult to support a service such as opening a new account of an Internet bank.

Therefore, in order to solve the application of the financial real - name system in place of the identification process, it is necessary to establish a validated system that can perform the real name authentication procedure through the financial automation device.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and it is an object of the present invention to provide a financial automation system capable of easily performing multiple authentication for non-face real name authentication, And an operation method thereof.

It is another object of the present invention to provide a verified system capable of performing the real name authentication process conveniently and reliably even through a financial automation device in place of the identity verification process in which a new transaction, The goal is to build.

According to another aspect of the present invention, there is provided a method of operating a financial automatic machine, including: obtaining first authentication information from a blindness check certificate provided by a user; Acquiring second authentication information from the image information photographed by the user; And transmitting multiple authentication information for non-face real name authentication of the financial service to the server based on the first authentication information and the second authentication information, And time information for comparing the obtained first time information and the obtained second time information with the second authentication information.

According to another aspect of the present invention, there is provided an apparatus for providing a financial automation device, including: a first authentication information obtaining unit for obtaining first authentication information from a blindness check certificate provided by a user; A second authentication information acquisition unit for acquiring second authentication information from the image information photographed by the user; And a controller for transmitting multiple authentication information for non-face real name authentication of the financial service to the server based on the first authentication information and the second authentication information, And time information for comparing the obtained first time information and the obtained second time information with the second authentication information.

According to another aspect of the present invention, there is provided a computer program for use in a computer readable recording medium storing a computer program for causing a computer to execute the method.

According to the embodiment of the present invention, the authentication information for the non-face real name authentication of the financial service is acquired by using the first authentication information and the second authentication information acquisition unit provided in the financial automation equipment, The authentication procedure can be shortened and the reliability of the authentication information can be improved.

According to an embodiment of the present invention, the multiple authentication information includes time information for comparing the first time information obtained by the first authentication information and the second time information obtained by the second authentication information, Real-time property of user real name authentication can be guaranteed. In addition, by providing an interface for easily acquiring this, user convenience can be improved.

As a result, it is possible to provide a real name authentication service on a financial service in which personal information protection and security of a financial automation device is enhanced. In addition, in place of the identity verification process in which an Internet bank can open a new account, It is possible to construct a verified system that can reliably perform multiple real name authentication procedures through the device.

1 illustrates an overall system according to an embodiment of the present invention.
2 is a view for explaining a financial automatic machine according to an embodiment of the present invention.
3 is a block diagram illustrating a financial service providing server according to an embodiment of the present invention.
FIG. 4 is a block diagram for more specifically illustrating a financial automatic machine according to an embodiment of the present invention.
5 is a block diagram for explaining the authentication information processing unit according to the embodiment of the present invention in more detail.
6 to 9 are flowcharts for explaining operation methods of a financial automatic machine according to various embodiments of the present invention.
10 to 17 are diagrams for explaining the interface of the financial automatic machine according to the embodiment of the present invention.

The following merely illustrates the principles of the invention. Thus, those skilled in the art will be able to devise various apparatuses which, although not explicitly described or shown herein, embody the principles of the invention and are included in the concept and scope of the invention. Furthermore, all of the conditional terms and embodiments listed herein are, in principle, only intended for the purpose of enabling understanding of the concepts of the present invention, and are not to be construed as limited to such specifically recited embodiments and conditions do.

It is also to be understood that the detailed description, as well as the principles, aspects and embodiments of the invention, as well as specific embodiments thereof, are intended to cover structural and functional equivalents thereof. It is also to be understood that such equivalents include all elements contemplated to perform the same function irrespective of the currently known equivalents as well as the equivalents to be developed in the future, i.e., the structure.

Thus, it should be understood that all flow diagrams, state transitions, pseudo code, etc. are representative of various processes that may be substantially represented on a computer-readable medium and executed by a computer or processor, whether the computer or processor is explicitly shown .

The functions of the various elements shown in the figures, including the functional blocks depicted in the processor or similar concept, may be provided by use of dedicated hardware as well as hardware capable of executing software in connection with appropriate software. When provided by a processor, the functions may be provided by a single dedicated processor, a single shared processor, or a plurality of individual processors, some of which may be shared.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings, in which: There will be. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

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

First, the terms used in the specification of the present invention will be briefly defined, and then an embodiment of the present invention will be described.

The "automated teller machine" described in this specification basically includes an automated teller machine (ATM) and a cash dispenser, which are performed by a financial institution such as a bank. The user can easily operate the financial automation equipment installed in the bank without having to go through the bank account in the account opening, the account transfer, the balance inquiry, the deposit withdrawal, the bank account collection and the like according to the embodiment of the present invention, .

Also, the term " financial service providing server "may mean a server and a device system for processing information related to financial transactions. For example, the financial service provision server may include a bank server for relaying financial accounts, a van server for relaying financial card electronic settlement, a credit card server for processing payment approval for credit card transactions, Various types of servers may be involved. As described above, the financial service providing server may include an Internet professional bank that operates most of the banking business through electronic media such as the Internet and financial automation devices without a few branches or sales offices. Depending on the specific function, the actual financial transaction function and other additional functions may be separated into separate server types.

FIG. 1 is a conceptual diagram schematically showing an overall system according to an embodiment of the present invention, and FIG. 2 is a view for explaining a financial automatic machine according to an embodiment of the present invention.

Referring to FIG. 1, an overall system according to an embodiment of the present invention includes a financial service providing server 100, a financial automatic apparatus 200, an authentication server 300, and a financial institution DB 400.

The financial service providing server 100 and the banking automation apparatus 200 according to the embodiment of the present invention are equipped with wired and / or wireless communication modules to enable encrypted secure communication network connection, and are configured to be linked with each other through a communication network connection.

The financial service providing server 100 is connected to the financial institution DB 400 and the authentication server 300 either wirelessly or wirelessly and communicates with the financial automation device 200 via the Internet network or mobile communication network, Can provide the financial service according to the present invention. The financial service can be exemplified by various services such as opening a new account on the Internet, issuing a bankbook or a card, transferring money, and requesting a loan.

In addition, the financial service providing server 100 may perform the service processing by performing the real name verification according to the operation with the financial automatic machine 200 according to the embodiment of the present invention, for the service requiring real name confirmation in the financial service.

The financial service providing server 100 may provide the financial service application and the update to the financial automatic machine 200 in advance for the real name confirmation and the financial service processing, An interface for financial service processing application, real name authentication, and processing result confirmation can be provided.

At this time, uploading, updating information or other management of the financial service application may be performed in the financial service providing server 300 or in another type of server.

The automated teller machine 200 according to the embodiment of the present invention may be connected to the financial service providing server 100 based on application information according to user input. The automated teller machine 200 can perform various functions related to the financial transaction based on the information input on the interface.

In particular, the automated teller machine 200 can process an account opening request through user input to the interface. The financial automation apparatus 200 can input application information according to a user's input on the screen and input non-face real name authentication information to the financial service providing server 100, The real name authentication information and the application information are received from the device 200, and it is possible to confirm the real name and check whether the account is opened.

In particular, according to embodiments of the present invention, most of the processing procedures of financial services can be performed based on non-face authentication. In order to ensure reliability, separate authentication information for non-face authentication according to an embodiment of the present invention may be required.

Accordingly, the application information may include user information corresponding to at least one of a name, a resident number, and an address, and the real name authentication information may include one or more authentication information for confirming the user's real name.

In particular, in the case of an Internet professional banking service requiring non-face authentication, the real name authentication information may include information on a plurality of authentication means. Accordingly, the authentication information may include, for example, a blindness check image (front and back) such as a user's identification card, and may include image information of a user's face, real name verification affiliation information, And may further include one or more of the other account information for the account. Here, the blindness identification certificate may mean a certificate issued by the certification authority in response to the user's real name, for example, a resident registration card, a driver's license or a passport.

The financial service providing server 100 can communicate with the authentication server 300 and the financial institution DB 400 according to the authentication information, and can process the non-face real name authentication confirmation by merging at least two methods.

More specifically, when the real name verification proof image is received from the financial automatic machine 200, the financial service providing server 100 transmits the real name verification proof image to the authentication server 300, receives a response thereto, Can be confirmed. In this case, the authentication server 300 may be an issuing organization of the blindness certificate image or a server connected thereto.

In addition, for example, the financial service providing server 100 may further receive image information from which the face of the user is photographed from the financial automatic machine 200. In this case, the image information may include face image information taken by the user in real time or within a predetermined time. At this time, the financial service providing server 100 may process the real name verification according to a comparison between the received image information and the face image of the blindness check. The financial service providing server 100 may be provided with a face recognition system to check whether the face images are matched or not, and display the image information and the blindness verification image so that the manager can directly input the verification result.

Meanwhile, when affiliated organization information is received from the financial automation device 200, the financial service providing server 100 may request the blindness confirmation certificate to the blindness verification affiliate through the authentication server 300. [ In this case, a copy of the blindness check certificate may be received from the authentication server 300.

When other account information is received from the automated teller machine 200, the financial service providing server 100 confirms whether an account opened through another financial institution exists in response to the user information through the financial institution DB 400 . The financial service providing server 100 can request a deposit and withdrawal transaction with an account opened in another financial institution. When the transaction is completed, the financial service providing server 100 can complete the user's real name authentication.

As the real name authentication is completed, the financial service providing server 100 can provide the approval result information to the automatic teller machine 200. [

According to the embodiment of the present invention, the automated teller machine 200 can perform personal information protection and security processing on the real name verification proof image stored in the memory. The security processing can be executed according to the operation of the OS of the financial service application or the financial automation device 200 described above.

In order to protect personal information, the automated teller machine 200 stores the real name verification ID image for non-face real name authentication of the financial service in a specific area of the memory, manages the acquisition time information of the real name verification ID image, According to the acquisition time information, when the real name verification proof image has been taken for a predetermined time or more from the time it was photographed, the real name verification proof image can be deleted from a specific area of the memory.

Here, the specific area may be a separate secured folder. For security processing, the automated teller machine 200 searches the image information stored in the memory and identifies the real name verification proof image for non-face real name authentication of the user's financial service from the image information, The folder management unit monitors the access information of the folder and the access information corresponding to the identified blindness check image and if the external access is confirmed from the access information, Additional authentication may be required.

Here, the additional authentication may include authentication of at least one of a password for biometric authentication or biometric information, and the biometric information may include at least one of fingerprint information, iris information, grammar information, vein information, and DNA information . In this specification, fingerprint information is described as an example of biometric information, but the biometric information of the present invention is not limited thereto and may include other biometric information or a combination of biometric information.

2 is a view for explaining a financial automatic machine according to an embodiment of the present invention. In addition, according to an embodiment of the present invention, And a scanner 285 may be provided in the real name verification bill input unit. In addition, a camera 281 for acquiring image information of a user may be positioned at the top of the display unit 260. The display unit 260 may display an interface for scanning the blindness check 10 and acquiring image information of the user.

The automated teller machine 200 may generate the multiple authentication information from the image information of the user 12 and the image of the blindness check 10 and transmit the same to the server 100 according to the user input through the interface. In this case, the multiple authentication information may be transmitted to the financial automation device 200 within a predetermined time or at the same time as when the first image information and the first image information acquired by the scanner 285 of the automated teller machine 200 are captured, Face real name authentication of the financial service including the second image information photographed by the camera 281 of the financial service.

However, the scanner 285 according to the embodiment of the present invention is not essential, and may be replaced with another image acquisition module such as the camera 281. [ For example, it is possible to acquire the image of the blindness check 10 of the first image information and the second image information of the user sequentially from the single camera 281. [

Also, when there are a plurality of cameras 281, the first image information and the second image information can be photographed at the same time point. Accordingly, although the following description is based on acquisition of the first image information by the scanner 285 according to the embodiment of the present invention, the scanner 285 means one or more image taking means for acquiring the first image information It can be used as a term. For example, the scanner 285 may include a second camera or one or more imaging modules that perform imaging of the blindness verified according to the sequential operating function of the camera 281. [

Accordingly, the automated teller machine 200 forms the multiple authentication information using the face image of the user 12 and the image of the real name verification check 10 sequentially photographed at the same time or within a predetermined time, Lt; / RTI > Accordingly, the user can shorten the complex real name authentication process to one procedure, and the server 100 can process the ID image and the face authentication by one data transmission / reception, thereby improving the processing speed. In addition, it is possible to prevent the problem of the reliability lowering of the real name authentication service caused by the difference in the shooting time interval for each image. The specific configuration and operation of the server 100 and the automated teller machine 200 will be described later.

3 is a block diagram illustrating a financial service providing server according to an embodiment of the present invention.

3, the financial service providing server 100 according to the embodiment of the present invention includes a communication unit 120, a financial service providing unit 130, a real name confirmation unit 140, a financial automatic device management unit 150, Unit 160 and an output unit 170.

The control unit 110 generally controls the operation of each component and the execution of functions for providing financial services of the financial service providing server 100. For example, the control unit 110 may be implemented as a processor for controlling all or a part of financial service providing functions such as financial automatic machine management, real name verification, authentication information output and account opening, or a program for executing the functions.

The communication unit 120 communicates with the financial service providing server 100 through a wireless communication system including a mobile communication network or the Internet network or between a network where the financial service providing server 100 and the financial automation apparatus 200 are located And / or < / RTI > The communication unit 120 may include a modem for encoding and modulating the transmitted signal, demodulating and decoding the received signal, and an RF front end for processing the RF signal.

On the other hand, the financial service providing unit 130 performs processing necessary for providing financial services corresponding to the respective application information, based on the application information of the user received from the automated teller machine 200. The financial service providing unit 130 communicates with the financial institution DB 400 associated with the Internet specialty bank through the communication unit 120 according to the user's request for opening an Internet banking account to perform a process of opening a financial account . The financial service providing unit 130 may perform the account transfer processing according to the user's account transfer request. In addition, the financial service providing unit 130 may check the availability of the loan according to the user's request for loan, and may perform the process of lending to the account of the user, if possible.

In particular, when the application information that requires confirmation of a non-face blindness, such as a user's loan or opening an account, is received, the financial service providing unit 130 transmits the authentication information received from the automated teller machine 200 to the real name verification unit 140 And confirms whether or not the real name is authenticated, and can perform the process for providing the financial service only when the real name authentication is completed.

Accordingly, the real name verification unit 140 can perform the real name verification process based on the authentication information received from the financial automatic device 200 through the communication unit 120. [

As described above, the authentication information for real name verification may include information obtained from a plurality of authentication means. The information obtained from the plurality of authentication means may include, for example, at least two of the blindness check image, the user's image information, affiliation information, or other account information.

The real name confirmation unit 140 checks whether or not the real name authentication is performed in cooperation with the authentication server 300 and the financial institution DB 400 through the communication unit 120 and transmits the result to the financial service provider 130 have.

More specifically, the real name verification unit 140 directly confirms the authenticity of the real name verification proof image included in the authentication information, extracts the characteristic information, transmits it to the authentication server 300, And confirms the authenticity of the real name verification proof image.

In addition, the real name verification unit 140 can confirm the real name authentication only when the degree of similarity is equal to or greater than a predetermined value, by collating the user's personal image obtained from the real-time video call information with the real name verification proof image.

In addition, the real name confirmation unit 140 can identify the user's face image and the real name verification proof image from the multiple authentication information received from the financial automatic machine 200. Here, the multiple authentication information may include first authentication information of a blindness verification certificate obtained in the financial automatic machine 200 and first time information on which the first authentication information is acquired, The second authentication information may include second time information obtained, or may include time interval information between the first time information and the second time information.

The real name confirmation unit 140 can process the real name authentication only when the first time information and the second time information are the same or within a predetermined time. In particular, in order to secure information, the first time information, the second time information, or the time interval information may be encrypted to configure the multiple authentication information. For example, the user may be given a time limit of one minute during the scan of the blindness verification image and the photographing of the face image, and the blindness verifier 140 may check the difference between the first time information and the second time information You can continue to process your real name authentication only if you are within 1 minute. In addition, for example, if the time interval information exceeds one minute, the real name confirmation unit 140 may stop real name authentication and output a real name authentication failure message.

In the embodiment of the present invention, the real name verification unit 140 compares the current time information with any one of the first time information and the second time information obtained from the multiple authentication information, and if the difference is within a predetermined time It is possible to process the real name authentication only. For example, the real name verification unit 140 may compare the later time and the current time among the first time information and the second time information, and process the real name authentication only when the difference is within 10 minutes.

By configuring the multiple authentication information using the acquisition time information of the image or image sequentially acquired as described above, it is possible to secure the identity of the user of the financial automatic machine 200 and to prevent illegal access using the hacked image or the like It is effective.

Accordingly, the real name confirmation unit 140 acquires the real name verification proof image and the user image of the user from the multiple authentication information, and acquires the non-face real name authentication for the financial service It is possible not only to process a plurality of authentications in a single procedure but also to improve the reliability thereof.

If the time has elapsed or the time interval is equal to or greater than a predetermined value, it may be transmitted through the application automatically by the automated teller machine 200, but the real name confirmation unit 140 may notify the user A warning message may be transmitted to the automated teller machine 200, and the automated teller machine 200 may perform a corresponding process.

If the acquisition time interval extracted from the multiple authentication information is within a predetermined time, the real name verification unit 140 scans the real name verification identification image included in the multiple authentication information, extracts the face image information from the ID front face image information, The text information (name, resident registration number, address, issue date, issuing organization) can be extracted by OCR method.

Also, the real name confirmation unit 140 can extract the fingerprint image from the backside image information of the ID card, and transmit the extracted face image information, fingerprint image information, and text information to the authentication server 300 through the communication unit 120 Registration and inquiry system to verify authenticity.

In addition, the real name verification unit 140 identifies the person image information including the face of the user obtained from the multiple authentication information, and processes the real name verification according to the verification between the face image information of the personality image information and the face identification information have. The real name confirmation unit 140 may include a face recognition system to check whether or not the face image of the person image information matches the feature information extracted from the face image of the blindness check. In addition, the real name verification unit 140 may output the person image information and the real name verification proof image through the output unit 170 so that the administrator directly inputs the verification result.

The feature information may include, for example, facial feature information of the user. The facial feature information includes, for example, facial contour information, mouth pattern information, eye pattern information, nose pattern information, pupil pattern information, ear pattern information extracted from each part in accordance with a mask and a scaling operation of a video image with respect to the face area And may include at least one.

In addition, when the user's video call information is included in the authentication information for non-face authentication, the real name verification unit 140 may output the video information and the voice information identified from the video call information through the output unit 170 . To this end, the output 170 may include one or more display modules for video and audio output and a voice output module.

On the other hand, when the partner organization information is received from the financial automatic machine 200, the real name confirmation unit 140 may request the real name verification certificate to the partner organization through the communication unit 120. [ In this case, a copy of the blindness certificate may be received from the partner organization. In this case, the authentication server 300 may correspond to an affiliate agency server.

When the account information is received from the automated teller machine 200, the real name verification unit 140 accesses the financial institution DB 400 through the communication unit 120, and in response to the user information included in the application information You can check if there is an account opened through another financial institution. The real name confirmation unit 140 may request the deposit and withdrawal transaction with the account opened in another financial institution. When the transaction is completed, the real name confirmation unit 140 completes the real name authentication of the user, To the providing unit 130.

Upon completion of the real name authentication of the real name verification unit 140 as described above, the financial service provider 130 completes the procedure process necessary for providing the financial service, and transmits the approval result information to the financial automation equipment (200).

Meanwhile, the automated teller machine management unit 150 can manage the registration information and the status information of the automated teller machine 200. In addition, the automated teller machine management unit 150 may generate an application for providing a financial service and deliver it to the automatic teller machine 200 through the communication unit 120. For example, the automated teller machine management unit 150 may handle the management of download and update information of the financial service application.

Meanwhile, the storage unit 160 may store information processed by each component. The storage unit 160 may be implemented as a random access memory (RAM), a flash memory, a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an EEPROM (Electronically Erasable and Programmable ROM) Or the like, as well as a detachable type storage device such as a USB memory.

FIG. 4 is a block diagram for more specifically illustrating a financial automatic machine according to an embodiment of the present invention.

4, the automated teller machine 200 according to the embodiment of the present invention includes a control unit 210, a communication unit 220, a memory 230, a financial service processing unit 240, an input unit 250, a display unit 260, an audio output unit 270, an authentication information processing unit 290, a camera 281, a microphone 282, and a scanner 285.

The communication unit 220 may include at least one communication unit for enabling wireless communication between a communication system between the automatic teller machine 200 and the financial service providing server 100 or a network in which the automatic teller machine 200 and the financial service providing server 100 are located, Modules.

The communication unit 220 includes a wired / wireless communication module for wirelessly or wiredly communicating with a local area network (LAN) and an Internet network, a USB interface module for communicating via a USB (Universal Serial Bus) (Short-range wireless communication module) that performs a communication function according to the 3GPP (3rd Generation Partnership Project), LTE (Long Term Evolution), NFC (Near Field Communication), Wi- And may include a modem for wired connection to the financial service providing server 100 or the financial institution DB 400 through a secure communication channel, can do.

On the other hand, the input unit 250 receives a user input for operating the automated teller machine 200. In particular, the input unit 250 may receive a user input for controlling the interface, and the user may input application information and authentication information for requesting financial services to the input unit 250 through an operation corresponding to the interface.

Here, the input unit 250 may include various types of buttons, a touch sensor that receives a touch input to the display unit 260, a proximity sensor that receives motion that is not directly connected to the surface of the display unit 260, And a microphone for receiving the microphone. However, the present invention is not limited thereto and may be implemented in any form capable of receiving user input.

The financial service processing unit 240 processes an application operation for providing a financial service. The financial service processing unit 240 can perform processing of application information for providing a financial service, confirmation of authentication information, encryption, and communication between the financial service providing servers 100 through the communication unit 220.

In particular, the financial service processing unit 240 may display, through the display unit 260, an interface for receiving user information for providing the financial service through the input unit 250.

In addition, the financial service processing unit 240 may receive a user input corresponding to the authentication information through the input unit 250. [ In particular, according to the user input, the financial service processing unit 240 can receive the user's real name verification certificate through the scanner 285, and can photograph the face image information of the user through the camera 281. [

In particular, in the embodiment of the present invention, the financial service processing unit 240 displays an interface for capturing the face image information of the user and the blindness check image within the same time or within a predetermined time according to the user input, As shown in FIG.

Then, as the interface is displayed, the scanner 285 and the camera 281 can be activated at the same time. For this, the control unit 210 can synchronize the operation of the scanner 285 and the camera 281. The control unit 210 can simultaneously activate and activate the operation power of the scanner 285 and the camera 281 in order to acquire images from the scanner 285 and the camera 281 at the same time as the maximum.

In addition, according to the activation of the scanner 285 and the camera 281, a blindness check image scanned by the scanner 285 on the interface and face image information of the user photographed by the camera 281 can be output. Accordingly, the automated teller machine 200 can output the photographing interface for acquiring the face and real name verification proof image of the user at the same time or within a predetermined time, and the user can easily generate the multiple authentication information using the interface .

Accordingly, the financial service processing unit 240 can receive not only the real name verification proof image but also the image information of the user within the same time or within a predetermined time, corresponding to the user information. In this case, the financial service processing unit 240 may generate the multiple authentication information in which the face image information or the video call information of the user and the blindness check identification image are synthesized to perform the blind verification.

For the combining process, the control unit 210 synthesizes the first image information including the user's real name verification proof image and the second image information including the user's face image information through the authentication information processing unit 290 And the multiple authentication image may be included in the multiple authentication information and may be transmitted to the server 100 through the communication unit 220. [

The financial service processing unit 240 transmits the user information and the multiple authentication information to the financial service providing server 100 through the secure channel using the communication unit 220 and transmits the user information and the multiple authentication information Face real name authentication completion message from the financial service providing server 100. [

Meanwhile, the financial service processing unit 240 may store the multiple authentication images for non-face real name authentication of the financial service in the memory 230. [ Here, an image containing a blindness certificate such as multiple authentication images needs to be secured. Accordingly, the financial service processing unit 240 can separately manage the multi-authentication image corresponding to the blindness check certificate for non-face blindness authentication, the blindness check certificate image included therein, and the related information.

To this end, the financial service processing unit 240 includes an image identification module 241, a monitoring module 242, an additional authentication module 243 and a time information management module 244, Personal information protection, secure processing and management corresponding to the mark can be performed.

The image identification module 241 searches for image information stored in the memory and identifies an image containing face identification information or face identification information for non-face real name authentication of the user's financial service from the image information. Here, the image may be an image scanned through the scanner 285, or an image captured and stored through the camera 281, and generally, scan or photographing time information may be stored together with the metadata of the image file.

More specifically, the image identification module 241 detects the degree of similarity between the image information stored in the memory 230 and the image of the blindness certificate sample, and determines the image including the blindness confirmation certificate if there is a portion having a similarity value of a predetermined value or more , And the file position information corresponding thereto can be separately stored and managed. In addition, the time information management module 244 can separately manage acquisition time information according to the photographing or scan time of the metadata corresponding to the image including the blindness check certificate.

In addition, the image identification module 241 determines whether or not the feature information of the face image, the text information (name, resident registration number, address, issuance date, issuing agency) is extracted by the OCR method from the image determined as the image including the real- It is possible to more clearly discriminate whether or not the image is a real name verification check image.

In addition, in one embodiment, the control unit 210 performs folder movement and time information management of the image including the identified real name verification bell in cooperation with the financial service processing unit 240 and the time information management module 244 . For example, the control unit 210 may move an image including the real name verification certificate to a separate secured folder.

The control unit 210 monitors the access information corresponding to the image folder including the identified blindness check image through the monitoring module 242.

For this, the monitoring module 242 periodically checks the operation information of another external application on the OS processed by the control unit 210, and accesses the file including the request for the file path corresponding to the image including the real- Information can be monitored.

When the unauthorized external access other than the application for the non-face-real-name authentication of the financial service is confirmed from the access information, the additional authentication module 243 performs the additional authentication for providing the image including the real- .

The additional authentication module 243 may request additional authentication, and may block the folder access to the external application and the provision of the image including the blindness check. The additional authentication module 243 displays the additional authentication request message through the display unit 250 and can provide the folder access and the image to the external application only when the additional authentication of the user is completed.

Meanwhile, the time information management module 244 may manage the real name verification proof image based on the acquisition time information under the control of the controller 210. [ The control unit 210 may perform a process of deleting the image including the blindness check certificate if the acquisition time of the blindness check certificate image exceeds a predetermined time based on the acquisition time information, The control unit 244 may periodically identify the acquisition time information of the images including the respective blindness check certificates for this purpose and provide them to the control unit 210. [

In addition, the time information management module 244 encrypts the acquisition time information for security management of the acquisition time information, and transmits the encrypted acquisition time information to a meta corresponding to the acquisition time information of the image including the real- Can be inserted into the data. Accordingly, an image including the real name verification certificate in a state where the encrypted acquisition time information is inserted into the metadata can be transmitted to the financial service providing server 100, In addition to security, it can improve the security in the delivery process, and can prevent the operation of time information or the risk of hacking.

Also, the time information management module 244 may receive the encryption key or the decryption key for encryption or decryption from the server providing the financial service through the application. When the acquisition time information is periodically checked, the decryption key To decrypt the encrypted acquisition time information. To this end, the time information management module 244 may further include a separate encryption unit and a decryption unit.

In this case, the financial service providing server 100 receives the multi-authentication image including the image of the real name verification image, but does not include the encrypted acquisition time information, or if the decrypted acquisition time information has passed the predetermined time An approval rejection and a warning message may be transmitted to the automated teller machine 200.

In addition, the financial service processing unit 240 may further include an encryption unit and a decryption unit in order to provide and block images for the external application. The encryption unit of the financial service processing unit 240 may encrypt the real name verification image itself with the encryption key if the real name verification proof image is identified from the multiple authentication image information. The decryption unit of the financial service processing unit 240 may decrypt the real name verification proof image with the decryption key corresponding to the encryption key when the additional authentication module 243 completes the additional authentication.

Accordingly, when the additional authentication of the additional authentication module 243 is not completed, the encrypted image in which the acquisition time information is encrypted can be provided to the external application. If the additional authentication is completed, the decrypted image May be provided to the external application.

The additional authentication module 243 may also include one or more physical or software authentication means for further authentication.

For example, the additional authentication module 243 may include a password authentication means for software authentication. Accordingly, the user can input the additional authentication password to complete the additional authentication.

Further, the additional authentication module 243 may include biometric authentication means for the additional authentication. Accordingly, the biometric information corresponding to the user may be stored in the memory 230 in advance, and the biometric information may include at least one of fingerprint information, iris information, grammar information, DNA information, and vein information.

The financial service may include an Internet banking account opening service. The image identification module 241, the monitoring module 242, the additional authentication module 243, and the time information management module 244 may be non- Application for real name authentication may be included in an application for real name authentication and the application for non-face real name authentication may be included in a financial service providing application for the Internet banking account opening service and installed in the financial automatic apparatus 200. [

In accordance with the operations of the financial service processing unit 240, the image identification module 241, the monitoring module 242, the additional authentication module 243, and the time information management module 244, The information can be monitored, managed and protected in real time for a certain period of time. Thereafter, the information can be protected to enhance the protection of personal information and to provide reliable financial service according to the additional authentication request and encryption / have.

Meanwhile, the authentication information processing unit 290, in cooperation with the financial service processing unit 240, generates the multi-authentication image for non-face real name authentication according to the embodiment of the present invention and the personal information of the application interface for providing the financial service And performs a protection image processing.

When an interface for acquiring image information is displayed on the display unit 260 under the control of the control unit 210, the authentication information processing unit 290 controls the scanner 285 according to the user input through the interface, And the camera 281 to acquire original image information scanned and photographed sequentially at the same time or within a predetermined time to combine the multiple authentication images. The authentication information processing unit 290 may identify the personal information protection area from the acquired original image information and perform masking processing.

Accordingly, the control unit 210 may control the interface output through the display unit 260 to display the masked image information in place of the multi-authentication image according to the original image. Accordingly, it is possible to minimize exposure of personal information output on the display unit 260 during non-face-to-face real name authentication and to prevent hacking means such as screen mirroring, photographing, or scanning.

In addition, the control unit 210 transmits the original image information in the multiple authentication information separately from the masked image information through the communication unit 220, so that the non-face real name authentication procedure can proceed normally.

Here, the authentication information processing unit 290 is included in the control unit 210 as an example, but may be included in the financial service processing unit 240 or may be implemented as an algorithm that operates as an independent module on the display unit 260 or the OS And is not limited to that subject. For example, the operation of the authentication information processing unit 290 may be replaced with the operation of the control unit 210. [

Hereinafter, the configuration of the authentication information processing unit 290 will be described in more detail with reference to FIG. 4 and FIG.

5 is a block diagram for explaining the authentication information processing unit according to the embodiment of the present invention in more detail.

5, the authentication information processing unit 290 includes a first authentication information acquisition unit 291, a second authentication information acquisition unit 292, and a multiple authentication information generation unit 293.

The first authentication information obtaining unit 291 according to the embodiment of the present invention, when the scanner 285 scans the blindness check certificate to be input to the blindness check proof input unit, And obtains the first authentication information. Here, the first authentication information may include at least one of the first time information, the scanned BD's image, the text information extracted from the BD's image, and the feature information.

The second authentication information acquisition unit 292 acquires second authentication information corresponding to the second time information from the user image information photographed through the camera 281. [ Here, the second authentication information may include at least one of the second time information, the user image information, and the feature information extracted from the user image information.

More specifically, the first authentication information obtaining unit 291 and the second authentication information obtaining unit 292 can obtain the user's facial feature information from the original image information to generate multiple authentication information. For example, when each original image information includes a portrait image of a user for real-time video communication, a face image of a user's face is included, or a photograph is included in the scanned image of the blindness verification image, the present embodiment is applied . The facial feature information includes, for example, facial contour information, mouth pattern information, eye pattern information, nose pattern information, pupil pattern information, ear pattern information extracted from each part in accordance with a mask and a scaling operation of a video image with respect to the face area And may include at least one.

Also, the first authentication information obtaining unit 291 can obtain fingerprint feature information from the scanned user's real name verification proof image. For example, when the scan information includes the back side of the physical verification image, the first authentication information acquisition unit 291 may acquire the fingerprint feature information using a fingerprint recognition algorithm such as feature extraction or area recognition.

Also, the first authentication information obtaining unit 291 can obtain text information from the blindness verification proof image. For example, the first authentication information obtaining unit 291 can extract text information (name, resident registration number, address, issuance date, issuing organization) from the real name verification proof image through a known OCR method.

However, in the embodiment of the present invention, the first authentication information acquisition unit 291 can acquire feature information or text information independently of extracting and analyzing the feature information or the text information and storing it permanently in the memory 230 You can only check if it is. Accordingly, the first authentication information obtaining unit 291 may obtain only the identification information of pixels from which the feature information can be extracted.

Based on the first authentication information acquired by the first authentication information acquisition unit 291 and the second authentication information acquired by the second authentication information acquisition unit 292, the multiple authentication information generation unit 293 generates a multi- Information.

Also, when the feature information or the text information is identified as described above, the multiple authentication information generating unit 293 can determine the personal information protection area from the information of the pixels corresponding to the feature information or the text information. For example, the multiple authentication information generation unit 293 may determine a two-dimensional region formed by an outline of pixels constituting the feature information or the text information to be a personal information protection region. Thus, the area identification unit 292 can generate the area information corresponding to the personal information protection area.

Then, based on the first authentication information and the second authentication information, the multiple authentication information generation unit 293 can confirm the attribute information indicating whether the determined personal information protection area is the person area or the text area.

Also, the multiple authentication information generating unit 293 can mask the area information and attribute information corresponding to the identified personal information protection area. Accordingly, the multiple authentication information generation unit 293 generates a masking image corresponding to the area information and the attribute information, overlays the original image information with the masking image, and synthesizes the masking image with the original image information, Information can be generated. For example, the multiple authentication information generation unit 293 overlays two images by constructing a masking image as a separate layer from the original image information, or synthesizes an image in which the masking image is overlaid on the original image information, You can also create an image.

The masked image information may be displayed on the interface for providing the financial service through the display unit 260 under the control of the control unit 210. [ With such a configuration, personal information can be masked and displayed in the scan information or the face image of the blindness verification image displayed on the display unit 260. [

Also, the control unit 210 may control the authentication information processing unit 290 to provide a message, a guide image, and a masking image change for informing the user whether the user image and the blindness verification image are normally scanned or not .

To this end, the control unit 210 can periodically check whether the information processed in the authentication information processing unit 290 is normally extracted. For example, if the facial feature information is not extracted from the original image information input via the video call interface in the second authentication information obtaining unit 292, or the first authentication information obtaining unit 291 obtains the text information It is possible to determine that non-face authentication can not be performed when multiple authentication information is not normally generated in the multiple authentication information generating unit 293 because the personal information protection area is not extracted or the personal information protection area is not specified.

According to the control of the control unit 210, the multi-authentication information generating unit 293 can change at least one of the color, shape, or shape of the masking image or the silhouette image according to whether the non-face authentication of the original image information is possible .

The control unit 210 displays a guide interface on the interface for acquiring the image information and the blindness verification image through the display unit 260. The control unit 210 determines whether the non- Can be output. For example, the control unit 210 may output information on non-face authentication through the display unit 260 in the form of characters, images, animations, or the like.

Meanwhile, the multi-authentication image generating unit 293 may generate the multi-authentication image (or the multi-authentication video image) by combining the real-name verification image and the user image information. The multiple authentication images are transmitted to the server 100, and the server 100 can process the blindness certificate authentication and the face authentication authentication at one time. In addition, since the authentication information including the face image information synchronized with the acquisition time is transmitted from the simple blindness verification proof image, the reliability can be improved.

In addition, the user can use the convenient financial service application by shortening the processing procedure even in the state where the personal information is protected, and can easily use the masking image (or the silhouette image) It is possible to provide information on whether or not the user is normally photographed to perform the service, thereby improving user convenience for providing financial services and authenticating non-face-real names.

6 to 9 are flowcharts for explaining operation methods of a financial automatic machine according to various embodiments of the present invention.

6, first, the financial service providing server 100 provides an application for providing a financial service to the communication unit 220 of the financial automatic apparatus 200 through the application managing unit 150 (S101).

The automated teller machine 200 installs an application through the control unit 210, and executes an application for providing a financial service according to an input to the input unit 250 (S103).

Thereafter, the user creates and inputs financial service application information for use of the financial service through the input unit 250 of the automated teller machine 200 (S105), and the automated teller machine 200 displays the multiple authenticated image for real name authentication (S107).

Here, the automated teller machine 200 may provide an interface for activating the camera 281 and the scanner 285 simultaneously or sequentially to acquire respective pieces of image information within the same time or within a predetermined time, through the display unit 260 .

The controller 210 activates the camera 281 and the scanner 285 simultaneously or sequentially according to a user input to the interface so that the user can insert a blindness check mark and scan or photograph a face image . Then, the automated teller machine 200 displays the multi-authentication shooting interface through the display unit 260, and the control unit 210 may perform masking processing on the personal information protection area of the image information on the interface have.

Then, the financial automatic machine 200 checks whether the multiple authentication image and the application information are normally input through the financial service processing unit 240 (S109) And transmits the application information and the proof of real name confirmation to the service providing server 100 (S111).

Herein, the multi-authentication image may include a name of the user who has not been masked and the original image information about the face image.

Then, the financial service providing server 100 performs real name authentication according to communication with the authentication server 300 through the real name confirmation unit 140 (S113). The real name authentication method is as described above. Particularly, the real name verification unit 140 can determine whether or not to approve based on the photographing time information included in the multiple authentication images. For example, the real name verification unit 140 determines whether or not the acquisition time information of the blindness verification certificate included in the multiple authentication images is encrypted, the acquisition time of the real name verification certificate image, and the acquisition time difference of the user face image are within a predetermined time Or whether it is within a predetermined time from the current time.

Thereafter, the financial service providing server 100 transmits an authentication failure message to the financial automatic machine 200 through the financial service provider 130 according to the completion of the real name authentication confirmed by the real name confirmation unit 140 (S115) (S117), and communicates with the financial institution DB 400 through the financial service provider 130 to process the financial service such as opening an account based on the application information (S119).

The financial service providing server 100 transmits a financial service processing completion message to the financial automatic machine 200 through the financial service providing unit 130 in step S121 and transmits the financial service processing completion message to the financial service processing unit 240 May output the application completion information through the display unit 260 (S123).

7 is a ladder diagram illustrating system operation in accordance with another embodiment of the present invention.

Referring to FIG. 7, the financial service providing apparatus 100 firstly communicates with a communication unit (not shown) of the financial automation device 200 through the application management unit 150 220 to provide an application for providing financial services (S201).

Similarly, the automated teller machine 200 installs an application through the control unit 210, and executes an application for providing a financial service according to an input to the input unit 250 (S203). The user creates and inputs financial service application information for use of the financial service through the input unit 250 of the automated teller machine 200 at step S105 and displays the multiple authentication moving image from the scanner 285 and the camera 281 The multi-authentication video information is inputted through the authentication interface (S207). Then, the financial automatic machine 200 confirms whether the multiple authentication moving image and the application information are normal through the financial service processing unit 240 (S209).

Here, the personal information protection area of the user's personal area and the blindness check certificate on the interface for capturing the moving image information and the blindness check identification image may be masked through the control unit 210. [

The multi-authenticated moving image including the input image information is transmitted to the financial service providing apparatus 100 together with the application information and the real name verification proof image through the communication unit 220 (S213).

Here, the image information of the multiple authentication image may include image and audio information for video communication. In the financial service providing apparatus 100, the received image information is outputted through the output unit 170 (S215) The verification unit 140 processes the comparison of the time information of the blindness verification image and the time information between the face images, the image verification, and the real name authentication according to the blindness verification image on the basis of the outputted image and voice (S217).

Thereafter, the financial service providing apparatus 100 transmits an authentication failure message to the financial automatic machine 200 through the financial service provider 130 according to whether the real name authentication confirmed by the real name verification unit 140 is completed (S219) (S221), and communicates with the financial institution DB 400 through the financial service providing unit 130 to process a financial service such as opening an account based on the application information (S223).

The financial service providing apparatus 100 transmits a financial service processing completion message to the financial automatic device 200 through the financial service providing unit 130 at step S225 and transmits the financial service processing completion message to the financial service processing unit 240 of the automatic teller machine 200 May output the application completion information through the display unit 260 (S227).

8 and 9 are diagrams illustrating an authentication process according to image acquisition time information according to an exemplary embodiment of the present invention. In FIG. 8, a multi-authentication information is first generated In FIG. 9, a process of comparing the time intervals from the received multiple authentication information by the financial service providing server 100 is disclosed.

As shown in FIG. 8, the automatic teller machine 200 first outputs an interface for inputting multiple authentication information through the display unit 260 (S301).

When the scanner 285 of the banking automation device 200 completes the scanning of the user's real name verification certificate, the first authentication information acquisition unit 291 acquires the real name verification proof image from the real name verification proof image The first time information and the first authentication information corresponding thereto are acquired (S303).

Then, the automated teller machine 200 acquires the user's face photographing image via the camera 281, and acquires second time information from the face photographing image information and the corresponding second time information from the second authentication information obtaining unit 292 And acquires the authentication information (S305).

In step S307, the automatic teller machine 200 determines whether the time interval between the first time information and the second time information is within a predetermined time period through the control unit 210. If the time interval exceeds the predetermined time, (S309).

On the other hand, if it is within a predetermined time, the controller 210 of the automated teller machine 200 generates multiple authentication information including the first authentication information and the second authentication information, and transmits the generated multiple authentication information to the server through the communication unit 220 (S311 ).

Here, the multiple authentication information generation unit 293 may include the first time information and the second time information in the multiple authentication information, respectively, or may calculate the time interval information between the first time information and the second time information, The financial service providing server 100 can process the comparison of the first time information and the second time information.

9, when the multi-authentication information is received (S401), the real name verification unit 140 of the financial service providing server 100 acquires from the multi-authentication information the first authentication corresponding to the first time information Information (S403), and identifies the second authentication information corresponding to the second time information from the multiple authentication information (S405).

Here, the first authentication information may include a blindness verification image, and the second authentication information may include image information of a user.

Then, the real name confirmation unit 140 of the financial service providing server 100 determines whether the time interval between the first time information and the second time information is within a predetermined time (S407).

The real name confirmation unit 140 of the financial service providing server 100 directly calculates the time interval between the first time information and the second time information or determines whether the time interval is within a predetermined time from the time interval information included in the multiple authentication information It can be judged.

If it is within a predetermined time, the real name confirmation unit 140 compares the feature information between the first authentication information and the second authentication information (S409), and determines whether the feature information coincides with a predetermined ratio or more (S411).

If the real name verification unit 140 does not match the predetermined time or more than a certain ratio, the real name confirmation unit 140 stops the authentication and transmits an authentication failure message to the automatic teller machine 200 (S413).

On the other hand, if the ratio is equal to or more than a predetermined ratio, the real name verification unit 140 can continuously perform authentication processing such as verification with the authentication server 300 (S415).

10 to 17 are diagrams for explaining the interface of the financial automatic machine according to the embodiment of the present invention.

10, the automated teller machine 200 according to the exemplary embodiment of the present invention may provide various menu interfaces 261 for providing financial services through the display unit 260, It is possible to provide an account opening or loan application menu for authentication and provide an interface according to the embodiment of the present invention.

11 shows an application information input interface 262 when an account opening service is selected from among the menus. The user can input basic application information through an application information input interface 262 for opening an account, An authentication method selection menu 262A for selecting an input method for real name authentication may be provided on the interface. In particular, the authentication method may be combined with other authentication methods in addition to the multi-shot authentication. For example, the other authentication methods may include at least one of authentication at the time of transfer of the access medium, confirmation of existing account information, As shown in FIG.

12 to 17 show operation screens of the multiple photographing interface 263 for acquiring the blindness check certificate and the face image of the user within the same time or within a predetermined time. 12 to 17, the user can sequentially acquire the face image of the user 12 and the image of the blindness check 10 at the same time or within a predetermined time through the multiple photographing interface 263 , And each image information sequentially acquired at the same time or within a predetermined time may be combined to form multiple authentication image information. In addition, the scan time information at the time when the user inputs the scan button and the photographing time information at the time of inputting the photographing button can be encrypted and embedded in the metadata of the multiple authentication image information.

As shown in FIG. 12, the user may be prompted to input the blindness confirmation certificate first through the interface. When the blindness check certificate is input, the scanned image 10A can be output as shown in Fig. Then, the automated teller machine 200 outputs a message to place a face on the front of the apparatus, and can display the time limit together. Accordingly, the user can input the face photographing authentication information within a predetermined time from the time when the blindness verification mark is scanned. Accordingly, the automated teller machine 200 can construct multiple authentication information by acquiring images from sequential scanning and shooting within a predetermined time.

14, the automated teller machine 200 provides a menu for photographing on the photographing interface 263, so that the scanned image 10A and the user's face image 12A are displayed at the same time point And thus, multiple authentication information can be constructed.

15, in accordance with the operation of the authentication information processing unit 290 according to the embodiment of the present invention, the face image 263B of the user displayed on the photographing interface 263 and the face identification image 263B 10B can be displayed with the personal information protection area (person area, face area, text area and fingerprint area) masked. In addition, the automated teller machine 200 can overlay the masking image in the form of a silhouette for masking the person area through the authentication information processing unit 290 on the face image 263B of the user.

In addition, the control unit 210 may provide a notification message for informing whether the normal photographing operation and the scanning operation are performed on the photographing interface 263, and a guide image 263A for inducing normal photographing. The control unit 210 notifies the photographing interface 263 of the notification of whether or not the normal photographing operation has been performed to the color of the character or guide image 263A Or morphological change.

For example, as shown in FIG. 15, the automated teller machine 200 may output on the photographing interface 263 that each original image information is an authentic image or image that can be authenticated.

However, as shown in FIG. 16, when normal text information or facial feature information is not extracted from the scanned image of the blindness verification image, the automated teller machine 200 can not recognize the image of the identification May be provided as a change in the color or shape of the character or guide image 263A.

17, the control unit 210 of the automatic teller machine 200 displays the user image 263B on the photographing interface 263 in accordance with whether the user image photographed by the camera 281 is normally photographed It is possible to intuitively inform the user by changing at least one of the color, shape, and shape of the masking image.

For example, as shown in Fig. 17, a case where the user shoots too far can be exemplified. In this case, the control unit 210 displays the color of the masking image in the form of red in red, exaggerates the size of the masking image in red, changes the color of the guide image 263A, It is possible to induce the photographing of a normal face image.

Such an interface for normal imaging guidance can be made regardless of the masking image. In addition, when the user can not directly confirm his or her face according to the masking image, more effective non-face real name authentication can be induced.

According to such a configuration and system, it is possible to conveniently generate multiple authentication images that improve the reliability of non-face authentication and to shorten, manage, delete, It is possible to provide a convenient financial service, and it is possible to easily establish a reliable non-face real name authentication system.

The method according to the present invention may be implemented as a program for execution on a computer and stored in a computer-readable recording medium. Examples of the computer-readable recording medium include a ROM, a RAM, a CD- , A floppy disk, an optical data storage device, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet).

The computer readable recording medium may be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And, functional programs, codes and code segments for implementing the above method can be easily inferred by programmers of the technical field to which the present invention belongs.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but, on the contrary, It should be understood that various modifications may be made by those skilled in the art without departing from the spirit and scope of the present invention.

100: Financial service provider
200: Financial automation equipment
300: authentication server
400: Financial institution DB

Claims (17)

A method for operating an automated teller machine,
Obtaining first authentication information from a blindness check certificate provided from a user;
Acquiring second authentication information from the image information photographed by the user; And
And a step of transmitting, based on the first authentication information and the second authentication information, multiple authentication information for non-face real name authentication of the financial service to a server,
Wherein the multiple authentication information includes time information for comparing the first time information obtained by the first authentication information and the second time information obtained by the second authentication information
Operating method of a financial automatic machine. The method according to claim 1,
The server processes the non-face real name authentication of the financial service when the first time information and the second time information are the same or when the time interval between the first time information and the second time information is within a predetermined time
Operating method of a financial automatic machine. The method according to claim 1,
Wherein the obtaining of the first authentication information comprises:
Scanning the blindness identification stamp inserted into the blindness identification check input unit; And
And acquiring the first authentication information corresponding to the first time information and the first time information according to the scanning
Operating method of a financial automatic machine. The method according to claim 1,
Wherein the first authentication information includes image information of the blindness check certificate, the second authentication information includes face photographing image information of the user,
Wherein the multiple authentication information includes a multi-authentication image obtained by combining image information of the real name verification certificate and the face image information
Operating method of a financial automatic machine. 5. The method of claim 4,
The server extracts feature information of the face image of the face photographing image and face region of the real name verification check image from the multiple authentication information and processes the real name authentication according to the verification between the extracted feature information
Operating method of a financial automatic machine. The method according to claim 1,
Wherein the first authentication information includes image information of the blindness check certificate, the second authentication information includes face photographing moving image information of the user,
Wherein the multi-authentication information includes multi-authentication moving picture information obtained by combining image information of the blindness verification image and the face photographing moving picture information
Operating method of a financial automatic machine. The method according to claim 1,
Displaying an imaging interface for acquiring the second authentication information of the user and the first authentication information of the blindness verification within a certain period of time
Operating method of a financial automatic machine. The method according to claim 1,
Receiving application information of an Internet professional bank account setting service requiring the non-face real name authentication according to user input of the user; And
And sending the application information to the server
Operating method of a financial automatic machine. In a financial automatic machine,
A first authentication information acquisition unit for acquiring first authentication information from a blindness check certificate provided by a user;
A second authentication information acquisition unit for acquiring second authentication information from the image information photographed by the user; And
And a control unit for transmitting multiple authentication information for non-face real name authentication of the financial service to the server based on the first authentication information and the second authentication information,
Wherein the multiple authentication information includes time information for comparing the first time information in which the first authentication information is acquired in the server and the second time information in which the second authentication information is acquired
Financial automation equipment. 10. The method of claim 9,
The server may include a server for processing the non-face real name authentication of the financial service when the first time information and the second time information are the same or the time interval between the first time information and the second time information is within a predetermined time, sign
Financial automation equipment. 10. The method of claim 9,
Further comprising a scanning unit for scanning the blindness identification stamp to be input into the blindness identification check input unit,
Wherein the first authentication information obtaining unit obtains, from the scanning information, the first authentication information corresponding to the first time information and the first time information
Financial automation equipment. 10. The method of claim 9,
Wherein the first authentication information includes image information of the blindness check certificate, the second authentication information includes face photographing image information of the user,
Wherein the multiple authentication information includes a multi-authentication image obtained by combining image information of the real name verification certificate and the face image information
Financial automation equipment. 13. The method of claim 12,
The server extracts feature information of the face image of the face photographing image and face region of the real name verification check image from the multiple authentication information and processes the real name authentication according to the verification between the extracted feature information
Financial automation equipment. 10. The method of claim 9,
Wherein the first authentication information includes image information of the blindness check certificate, the second authentication information includes face photographing moving image information of the user,
Wherein the multi-authentication information includes multi-authentication moving picture information obtained by combining image information of the blindness verification image and the face photographing moving picture information
Financial automation equipment. 10. The method of claim 9,
And a display unit for displaying an imaging interface for acquiring the second authentication information of the user and the first authentication information of the blindness verification within a predetermined time under the control of the control unit
Financial automation equipment. 10. The method of claim 9,
A user input unit for receiving application information of a financial service that requires the non-face real name authentication according to a user input of the user; And
And a communication unit for transmitting the multi-authentication information and the financial service application information to the server through a secure channel under the control of the control unit
Financial automation equipment. A computer-readable recording medium having recorded thereon a program for causing a computer to execute the method according to any one of claims 1 to 8.

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