KR20170142704A - Financial transactions system and method using autograph - Google Patents

Abstract

The present invention discloses a system and a method for a financial transaction by using an autograph. According to an embodiment of the present invention, the financial transaction system comprises: an autograph input unit which is inputted with an autograph from a user; an autograph feature information extracting unit which analyzes the autograph in order to extract autograph feature information; an autograph difficulty analyzing unit which analyzes a level of difficulty of the autograph by utilizing the autograph feature information; and a transaction grade setting unit which sets a transaction grade corresponding to the autograph difficulty, and stores the transaction grade in a storage unit by linking to the autograph. Therefore, the system and the method for a financial transaction by using an autograph can ensure safety of financial transactions by setting different transaction grades depending on a level of difficulty of an autograph.

Description

Technical Field [0001] The present invention relates to a financial transaction system and method using a self-

The present invention relates to a financial transaction system and method using a handwritten signature.

Financial institutions are performing personal authentication procedures in order to manage individual assets safely. Especially, financial transactions using online are being activated, and online certification is becoming more important. The authentication methods proposed so far are diverse. In the simplest case, there is an authentication method using a preset password. In recent years, authentication methods using biometrics have also been attempted to enhance security in financial institutions and the like.

In biometrics, fingerprint recognition is an authentication method that extracts different fingerprint information for each individual and informs them. Face recognition analyzes the symmetrical composition of face, appearance, color of eyes, movement of facial muscles, The iris recognition is a technique of recognizing a person by using iris information of the eye having the characteristic unique to each person. The vein recognition is a technique of recognizing a person using the blood vessel pattern of the palm, the hand, Is a recognition technique that identifies the user.

Biometric technology is a technology that identifies the identity of a body part such as fingerprint, face, iris, and fingerprint, and verifies whether or not the person is a biometrics technology. The voices, handwriting, body shape, gait, .

Biometrics technology is used in a wide range of fields, from automotive, telecommunications, security and healthcare to corporate marketing and the public sector. The utilization in the financial industry was relatively low. However, recently, many problems related to the official certificate and the Active-X have been raised in Korea, and interest in utilization of the biometric technology such as handwritten signature It is a situation.

Korean Patent Publication No. 10-2005-0041132 (public date May 4, 2005) - System and method for identification using biometric information

The present invention is intended to provide a financial transaction system and method using a handwritten signature that guarantees the safety of financial transactions by setting different transaction classes according to difficulty of handwritten signature.

In the case of a small transaction, the transaction is made possible by a simple handwritten signature, thereby activating a financial transaction. In the case of a large transaction, a self-signed signature having a difficulty level of more than a predetermined level is required for more strict identification, And to provide a financial transaction system and method using an autographed signature.

Other objects of the present invention will become more apparent through the following preferred embodiments.

According to an aspect of the present invention, there is provided an information processing apparatus comprising: a handwritten signature input unit for inputting a handwritten signature from a user; A signature feature information extracting unit for analyzing the handwritten signature to extract signature feature information; A signature difficulty analyzer for analyzing signature difficulty with respect to the handwritten signature using the signature feature information; And a transaction class setting unit for setting a transaction class in accordance with the sign difficulty, and storing the transaction class in the storage unit in association with the handwritten signature.

Wherein the signature feature information used for the signature difficulty analysis includes a total length of lines constituting the handwritten signature, a number of inflection points included in the handwritten signature, a number of strokes constituting the handwritten signature, or a combination thereof .

The signature feature information used for the signature difficulty analysis is a total length of a line constituting the handwritten signature, and the signature difficulty analyzer may determine the signature difficulty of the handwritten signature by comparing the total length of the line with a length determination reference value .

Wherein the signature feature information used for the signature difficulty analysis is the number of inflection points included in the handwritten signature, the inflection point is a point at which the touch trajectory of the handwritten signature changes by a predetermined angle or more, It is possible to determine the signature difficulty of the handwritten signature by comparing the number with the counting reference value.

The signature feature information used for the signature difficulty analysis is the number of strokes constituting the handwritten signature, and the signature difficulty analyzer can determine the signature difficulty of the handwritten signature by comparing the number of strokes with the counting reference value .

The transaction class setting unit may check whether the handwritten signature is reentered after displaying the set transaction grade, and if the reentry request is input, the handwritten signature input unit may re-input the handwritten signature.

The signature degree of difficulty analyzing unit and the transaction level setting unit may be activated in the initial registration process or update process of the handwritten signature.

The signature verification unit compares the handwritten signature with the handwritten signature stored in the storage unit to perform authentication of the user according to the degree of similarity, and when the authentication of the user is successful, searches the transaction level stored in association with the storage unit corresponding to the handwritten signature, And an authentication unit for determining approval or disapproval of the financial transaction requested together with the handwritten signature in accordance with a financial service that can be provided in a predetermined range, wherein the authentication unit can be activated in a financial transaction process.

According to another aspect of the present invention, there is provided a financial transaction method performed in a financial transaction system, the method comprising: (a) receiving a handwritten signature for registration from a user; (b) analyzing the handwritten signature to extract signature feature information; (c) analyzing signature difficulty with respect to the handwritten signature using the signature feature information; (d) setting a transaction grade using the handwritten signature in accordance with the signature degree of difficulty; And (e) storing the transaction grade in a storage unit in association with the handwritten signature.

Wherein the signature feature information used in the signature difficulty analysis step is a total length of a line constituting the handwritten signature, and the signature difficulty analyzing step determines a signature difficulty of the handwritten signature by comparing the total length of the line with a length determination reference value have.

Wherein the signature feature information used in the signature difficulty analysis step is the number of inflection points included in the handwritten signature, the inflection point is a point at which the touch trajectory of the handwritten signature changes by a predetermined angle or more, The signature degree of the handwritten signature can be determined by comparing the number of the handwritten signature with the number determination reference value.

The signature feature information used in the signature difficulty analysis step is the number of strokes constituting the handwritten signature, and the signature difficulty analyzing step may determine the signature difficulty of the handwritten signature by comparing the number of strokes with the counting reference value have.

Displaying the set trade grade; Confirming whether or not to re-input the handwritten signature; And if a re-input request is input, the process returns to step (a) and the handwritten signature can be re-input.

Receiving a handwritten signature for a financial transaction; Comparing the handwritten signature for financial transaction with the handwritten signature stored in the storage unit to perform identity authentication according to similarity; Retrieving the transaction class stored in association with the storage unit corresponding to the handwritten signature when the authentication of the user is successful and reading the information on the financial service that can be provided in the range determined in the transaction class; And determining approval or disapproval of the financial transaction requested together with the financial transaction handwritten signature according to the read out information on the financial service.

Other aspects, features, and advantages will become apparent from the following drawings, claims, and detailed description of the invention.

According to the present invention, the transaction amount is set differently according to the difficulty of the handwritten signature, thereby securing the safety of financial transactions.

In the case of a small transaction, a simple handwritten signature can be used to enable transactions, and in the case of a large transaction, a handwritten signature with a difficulty level of more than a certain level is required in order to confirm a more strict identity, There is an effect of securing.

1 illustrates a financial transaction system using a handwritten signature according to an embodiment of the present invention,
2 is a flowchart of a transaction class setting method for a financial transaction performed in a financial transaction system,
3 shows a handwritten signature having various degrees of difficulty,
4 and 5 are diagrams showing attributes and difficulty analysis criteria for determining the difficulty level of the handwritten signature,
6 is a flowchart of a financial transaction method in a financial transaction system according to an embodiment of the present invention;

While the invention is susceptible to various modifications and alternative forms, specific embodiments thereof are shown by way of example in the drawings and will herein be described in detail. It is to be understood, however, that the invention is not to be limited to the specific embodiments, but includes all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when an element is referred to as being "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between.

The terms first, second, etc. may be used to describe various components, but the components should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, the terms "comprises" or "having" and the like refer to the presence of stated features, integers, steps, operations, elements, components, or combinations thereof, But do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

It is to be understood that the components of the embodiments described with reference to the drawings are not limited to the embodiments and may be embodied in other embodiments without departing from the spirit of the invention. It is to be understood that although the description is omitted, multiple embodiments may be implemented again in one integrated embodiment.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

FIG. 1 is a diagram illustrating a financial transaction system using a handwritten signature according to an embodiment of the present invention, FIG. 2 is a flowchart of a transaction level setting method for a financial transaction performed in a financial transaction system, FIG. FIG. 4 and FIG. 5 are diagrams showing attributes and difficulty analysis criteria for determining the degree of difficulty of the handwritten signature. FIG.

The financial transaction system using the handwritten signature according to the embodiment of the present invention is characterized in that the transaction available transaction class is set differently according to the degree of difficulty of the handwritten signature to be inputted for identification of the principal. For example, in the case of a small transaction, it is possible to deal with a handwritten signature having a degree of difficulty below a predetermined level, so that it can be easily identified. In the case of a large amount transaction, To ensure the safety of transactions through strict identification of the person.

1, a financial transaction system 100 according to the present embodiment includes a handwritten signature input unit 110, a signature feature information extraction unit 120, a signature difficulty analysis unit 130, a transaction grade setting unit 140, And a storage unit 150. The financial transaction system 100 may further include an authentication unit 160.

The handwritten signature input unit 110 receives a handwritten signature (handwritten signature) from a user desiring a financial transaction (step S305). For example, the handwritten signature input unit 110 may be a touch screen panel provided on a smart phone or a touch screen panel connected to a specific terminal (for example, a POS terminal of a store or an electronic terminal of a financial institution).

The signature feature information extraction unit 120 extracts the signature feature information for the handwritten signature input through the handwritten signature input unit 110 (step S310).

The signature feature information is signature related information generated by a user signing with handwriting, and includes not only the shape of the signature itself but also the shape of the signature itself, the shape of the line, the number of contacts and / Or data on signature attributes such as contact position, acceleration, signature size and ratio, slope, touch pressure, line thickness, total length of line, number of inflection points, and the like.

In the process of inputting the handwritten signature, several signature certifications may be performed to increase the reliability of identity verification. In this case, for each of the handwritten signatures inputted several times, a representative representative handwritten signature with high reliability can be selected by calculating the parallel reliability of each signature property mutually, and the signature feature information can be extracted from the representative representative handwritten signature.

For example, the signature properties of the rhythm (line flow), the device tilt, the acceleration, the touch position, the continuity, the final image, the pressure and the position of the line are compared individually and in parallel, Lt; / RTI > Even if the authentication criterion of individual signature properties is set low, a high reliability can be secured by applying the 'AND' condition to a plurality of signature properties.

For example, if the authentication criterion of an individual signature attribute is set to 50%, a 50% confidence level must be secured for each of the eight signature properties, so that the probability of 1/256 (= 1/2 ⁸ ) . Through this parallel processing technique, relatively low authentication criteria are applied to individual signature properties, which makes it easy to compare and analyze. As a result, high reliability can be formed through the AND condition.

The input of the handwritten signature according to the present embodiment can be used in the initial registration process, the financial transaction process, the signature update process, and the like. In the initial registration process and the signature update process, the signature difficulty analyzer 130 and the transaction class setting unit 140, which will be described later, can be activated.

The signature difficulty analyzing unit 130 analyzes the signature difficulty using the signature feature information extracted by the signature feature information extracting unit 120 (step S315). The sign difficulty is an index indicating the complexity of the handwritten signature inputted through the handwritten signature input unit 110. The higher the degree of difficulty of the signature, the more complicated the handwritten signature means that it is difficult for others to imitate.

In this embodiment, the total length of the line, the number of inflection points, the number of strokes (or the number of touches), or a combination thereof can be used as the signature characteristic data for analyzing the signature difficulty. That is, the following signature attribute data may be used as the signature feature information for analyzing the degree of sign difficulty.

First, the total length of the line can be used for signature difficulty analysis. The total length of the line means the length of the straight line when the touch trajectory from the input start point to the input completion point is straightened in the handwritten signature.

In the case of the first handwritten signature ('Hong Kil-dong') shown in FIG. 3 (a), the total length of the second handwritten signature ('Hong') shown in FIG. 3 do.

The total length of the line can be regarded as corresponding to the degree of difficulty if it is equal to or greater than the predetermined length L1 and less than the predetermined length L1 (see FIG. 4 (a)).

(L2 < L3), if the total length of the line is less than L2, it is considered that the difficulty corresponds to the degree of difficulty if L2 is less than L3, b)).

Or as the total length of the line increases, the degree of difficulty may also increase linearly or in the form of monotonic increasing function proportional to 1 to K (see Fig. 4 (c)).

Next, the number of inflection points can be used for signature difficulty analysis. The inflection point means a point at which the direction of the touch trajectory changes by a predetermined angle (e.g., 90 degrees (占)) during the signing process. For example, the inflection point may be one of the points where the point of P1 shown in (a) of FIG. 3 suddenly changes the direction of the touch trajectory.

The number of inflection points can be regarded as corresponding to the degree of difficulty when the number of inflection points is greater than or equal to a predetermined number (n1, where 1 < n1 < N) and less than the predetermined number n1 ).

(N2 < n3), when the number of inflection points is less than n2, the degree of difficulty is more than n2 and less than n3, and when the number of inflection points is less than n3, ) Reference).

As the number of inflection points increases from 1 to N, the degree of difficulty may also increase linearly or in the form of monotonic increasing function in proportion to 1 to K (see Fig. 5 (c)).

In addition, the number of strokes (or the number of contacts) can be used for signature difficulty analysis. A stroke refers to a locus drawn at one time and is divided based on a section in which the touch input is temporarily disappeared by separating the touching means from the touch screen panel during signing. The stroke can be regarded as a segment constituting a signature. In the case of the signature shown in Fig. 3 (a), the stroke consists of five strokes of S1 to S5. If the number of touches is counted during the handwritten signature process, the number of strokes can be a number of strokes. Thus, even if the stroke is not analyzed from the shape of the handwritten signature, the number of touches can be counted and the stroke count can be grasped.

The number of strokes (or the number of times of contact) corresponds to the degree of difficulty in the case of a predetermined number (n1, where 1 <n1 <N) or more and less than the predetermined number in the case of difficulty ).

(Or n2 <n3), the number of strokes (or the number of contact times) is less than n2, and when the number is n2 or more and less than n3, n3 or more 5 (b)).

As the number of strokes (or the number of contact times) increases from 1 to N, the difficulty may also increase linearly or in the form of monotonic increasing function from 1 to K (see FIG. 5 (c)).

When the signature degree of difficulty analysis is completed in the signature degree of difficulty analyzing unit 130, the transaction degree setting unit 140 sets the transaction level of the corresponding client according to the analyzed sign degree of difficulty (step S320). Basically, for a high-difficulty handwritten signature, a higher trade-off can be set than a low-difficulty handwritten signature.

Here, the transaction grade refers to a degree of security for a customer to receive a financial service, which determines the level at which a customer receives financial services. Depending on the transaction level, the types of financial services that can be provided to customers can be set differently or the quality of financial services can be adjusted differentially.

For example, assuming the Internet banking, if a simple handwritten signature is registered and the transaction grade is set low, only the transaction details can be confirmed through log-in. If the complicated handwritten signature is registered and the transaction grade is set high, You can do it.

In another example, the upper limit of the amount that a customer can trade is determined according to the transaction grade. If the degree of difficulty is low, the upper limit of the transaction amount is set at 100,000 won. If the degree of difficulty is high, the upper limit of the transaction amount is set at 500,000 won. If the degree of difficulty is high, the upper limit of the transaction amount can be set at 1 million won .

Or when the degree of sign difficulty is not divided into upper and lower but is determined as a value between 1 and K as described above, the transaction grade can be determined in proportion to the degree of difficulty.

The transaction level set in the transaction level setting unit 140 is stored in the storage unit 150 in association with the handwritten signature (step S325).

In addition, in the financial transaction system 100 according to the present embodiment, when the transaction grade is set, the transaction class setting unit 140 displays a financial transaction in which the handwritten signature is input, , It can be confirmed whether the handwritten signature is re-entered (step S340).

Users who want to do financial transactions will be able to check the displayed transaction level and see if they can get the financial service they want. If it is judged that it is difficult for the user to receive the desired level of financial service, the user can re-input the more complicated handwritten signature than the handwritten signature.

If it is confirmed that the handwritten signature is reentered by the user's input, the financial transaction system 100 returns to step S305, receives the new handwritten signature, and analyzes the difficulty according to the handwritten signature to reset the transaction rating.

Each component module included in the financial transaction system 100 according to the present embodiment may be implemented as a software module and stored in a separate database included in the financial transaction system 100, The various modules described above may be stored in an external server or an external storage device.

The above description assumes the initial registration process or update process of the handwritten signature.

Hereinafter, the financial transaction process by inputting the handwritten signature will be described with reference to FIG.

6 is a flowchart of a financial transaction method in a financial transaction system according to an embodiment of the present invention.

The handwritten signature for the financial transaction is inputted through the handwritten signature input unit 110 (step S405).

The signature feature information extracting unit 120 extracts the signature feature information for the inputted handwritten signature (step S410).

The authentication unit 160 determines whether or not the inputted handwritten signature matches the handwritten signature stored in the storage unit 150 based on the signature feature information (step S415). Coincidence means the same or similar within a certain error range.

If the inputted handwritten signature is identical to the handwritten signature stored in the storage unit 150, it is regarded that the authentication of the user is successful. Otherwise, the authentication of the user is regarded as failed.

If successful, verify the transaction level set for the handwritten signature. The transaction grade is data stored in the storage unit 150 in association with the corresponding handwritten signature.

It is determined whether the requested financial service can be provided by the user who requested the financial transaction based on the confirmed transaction class. If the financial service is available in the set transaction class, the financial transaction is terminated. If the financial service is beyond the provided range It is notified that the financial transaction is impossible (step S420).

For example, if the transaction amount is set differently according to the transaction level, if the amount requested for the financial transaction based on the upper limit of the transaction amount is within the upper limit, the financial transaction is concluded. If the amount exceeds the upper limit, It can be shown that the transaction is impossible.

According to the present embodiment, the handwritten signature inputted in the authentication process in the authentication unit 160 is analyzed and the financial transaction is performed only within the range specified by the transaction grade stored in association with the corresponding handwritten signature, and when additional financial transaction is desired May require additional certification.

The transaction class setting method and the financial transaction method according to the present invention can be implemented as computer readable codes on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording media storing data that can be decoded by a computer system. For example, it may be a ROM (Read Only Memory), a RAM (Random Access Memory), a magnetic tape, a magnetic disk, a flash memory, an optical data storage device, or the like. In addition, the computer-readable recording medium may be distributed and executed in a computer system connected to a computer network, and may be stored and executed as a code readable in a distributed manner.

According to the financial transaction system according to the present embodiment, the transaction level can be set differently according to the degree of difficulty of the handwritten signature, so that a user who desires a high level financial service (for example, high transaction) Thereby enhancing security in financial transactions.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present invention without departing from the spirit or scope of the invention as defined in the appended claims. It will be understood that the invention may be varied and varied without departing from the scope of the invention.

100: financial transaction system 110: handwritten signature input unit
120: signature feature information extracting unit 130: signature difficulty analyzing unit
140; Transaction class setting unit 150:
160:

Claims (14)

A handwritten signature input unit for inputting a handwritten signature from a user;
A signature feature information extracting unit for analyzing the handwritten signature to extract signature feature information;
A signature difficulty analyzer for analyzing signature difficulty with respect to the handwritten signature using the signature feature information; And
And a transaction class setting unit for setting a transaction class in accordance with the signature degree of difficulty and storing the transaction class in a storage unit in association with the handwritten signature.
The method according to claim 1,
Wherein the signature feature information used for the signature difficulty analysis includes a total length of lines constituting the handwritten signature, a number of inflection points included in the handwritten signature, a number of strokes constituting the handwritten signature, or a combination thereof The financial transaction system.
3. The method of claim 2,
Wherein the signature difficulty analyzer compares the total length of the line with a length determination reference value to determine a signature difficulty of the handwritten signature.
3. The method of claim 2,
Wherein the inflection point is a point at which the touch trajectory of the handwritten signature changes by a predetermined angle or more,
Wherein the signature difficulty analyzing unit compares the number of inflection points with a counting reference value to determine a sign difficulty of the handwritten signature.
3. The method of claim 2,
Wherein the signature difficulty analyzing unit compares the number of strokes with a counting reference value to determine a sign difficulty of the handwritten signature.
The method according to claim 1,
The transaction class setting unit displays the set transaction grade and confirms whether or not to reenter the handwritten signature,
Wherein the handwritten signature input unit re-receives the handwritten signature when a re-input request is input.
The method according to claim 1,
Wherein the signature degree of difficulty analyzing unit and the transaction degree setting unit are activated in an initial registration process or an updating process of the handwritten signature.
The method according to claim 1,
The signature verification unit compares the handwritten signature with the handwritten signature stored in the storage unit to perform authentication of the user according to the degree of similarity, and when the user authentication is successful, searches the transaction level stored in association with the storage unit corresponding to the handwritten signature, Further comprising an authentication unit for determining approval or disapproval of the financial transaction requested together with the handwritten signature in accordance with a financial service that can be provided in a range determined by the authentication unit,
Wherein the authentication unit is activated in a financial transaction process.
As a financial transaction method performed in a financial transaction system,
(a) receiving a handwritten signature for registration from a user;
(b) analyzing the handwritten signature to extract signature feature information;
(c) analyzing signature difficulty with respect to the handwritten signature using the signature feature information;
(d) setting a transaction grade using the handwritten signature in accordance with the signature degree of difficulty; And
(e) storing the transaction grade in the storage unit in association with the handwritten signature.
10. The method of claim 9,
Wherein the signature feature information used in the signature difficulty analysis step is a total length of a line constituting the handwritten signature,
Wherein the signature difficulty analyzing step determines the signature difficulty of the handwritten signature by comparing the total length of the line with a length determination reference value.
10. The method of claim 9,
Wherein the signature feature information used in the signature difficulty analysis step is the number of inflection points included in the handwritten signature, the inflection point is a point at which the touch trajectory of the handwritten signature changes by a predetermined angle or more,
Wherein the signature difficulty analyzing step determines the signature difficulty of the handwritten signature by comparing the number of inflection points with a counting reference value.
10. The method of claim 9,
Wherein the signature feature information used in the signature difficulty analysis step is the number of strokes constituting the handwritten signature,
Wherein the signature difficulty analyzing step determines the signature difficulty of the handwritten signature by comparing the number of strokes with the counting reference value.
10. The method of claim 9,
Displaying the set trade grade;
Confirming whether or not to re-input the handwritten signature; And
When the re-input request is inputted, the flow returns to step (a) and the handwritten signature is re-inputted.
10. The method of claim 9,
Receiving a handwritten signature for a financial transaction;
Comparing the handwritten signature for financial transaction with the handwritten signature stored in the storage unit to perform identity authentication according to similarity;
Retrieving the transaction class stored in association with the storage unit corresponding to the handwritten signature when the authentication of the user is successful and reading the information on the financial service that can be provided in the range determined in the transaction class;
Further comprising the step of determining approval or disapproval of the requested financial transaction together with the handwritten signature for the financial transaction in accordance with the read information on the financial service.

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