KR20180038120A - The Non-Face-to-Face Method and Device to verify Real Name - Google Patents

Abstract

The present invention relates to a non-face-to-face real-name confirming device and a method thereof. According to an embodiment of the present invention, the non-face-to-face real-name confirming device comprises a user terminal (300) including a transmitting/receiving unit (310), a password memory (374), a function memory (376), and a real-name confirming application (370). The non-face-to-face real-name confirming device and the method thereof of the present invention can prevent a problem of illegally copying an ID image.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a non-face-to-

The present invention relates to an apparatus and a method for confirming a user's real name of a user who wants to log into a server using non-face means.

Recently, as the number of online transactions (for example, online commerce, online payment, online remittance, etc.) increases, the demand for confirming the actual name of the online transaction is also increasing. In particular, due to the financial real-name system, such demand is becoming essential in online payment and remittance.

However, in the case of a method of authenticating a real person (hereinafter, referred to as a "real name verification method"), it is necessary to present an identification card (a resident registration card, a driver's license, etc.) issued by the government face to face with, (Hereinafter, referred to as "inconvenience of offline visit") that the user who intends to use the online transaction service should visit the offline name confirmation place of the use place where the online transaction service is provided Follow.

Recently, as an alternative to solve the inconvenience of offline visit, there has been proposed a method of transmitting an image of a government issued ID card while making a video call. However, illegal copying is illegal if the ID image is digital information and hacking on a communication line. (Hereinafter referred to as "illegal image infringement risk").

In order to prepare for such a risk, various complementary means (such as an official certificate submission, an experiment of small amount remittance transaction with a bank account with a confirmed real name, etc.) are proposed. However, as a process according to complementary means is additionally required, (Hereinafter referred to as " complicated long time inconvenience ").

It is an object of the present invention to reduce the risk of "illegal copying of illegal images of ID images" and "inconvenience of complicated long periods" while eliminating the "inconvenience of offline visit" in the process of confirming the blindness.

In order to solve such a technical problem, an embodiment of a non-face-based real name verification method according to an aspect of the present invention is characterized in that, in the real name verification demand server, the transmission / reception unit receives at least one of a name and a real name ID transmitted from a user terminal, Receiving information including a source user transaction account ID '; The step of generating the predetermined number of trips; Transmitting the information for requesting the 'transaction for specifying the real name verification source user transaction account ID as the counterpart account ID and specifying the account as the brief' to the real name verification source server; When the transmission / reception unit receives the information from the real name verification source server, 'at least one of the name and the real name ID' matched with 'the received real name verification source user transaction account ID' is extracted from the user DB, and the transmission / Transmitting at least one of the real name IDs as a response to the received information; Receiving, by the sending / receiving unit, the information from the real-name confirmation demanding server; Extracting at least one of a name and a real name ID matching the real name verification source user transaction account ID in the real name confirmation DB; The operation unit compares 'at least one of the name and the real name ID transmitted from the real name verification source server with' one or more of the name and real name ID extracted from the real name verification DB transmitted from the user terminal, (&Quot; determination of blindness "); If the real name determination is affirmative, transmitting / receiving section transmits a predetermined 'information meaning confirmation' as a response to a real name verification source server; When the sending / receiving section receives the response from the real name verification source server, the received real name verification ID field is stored in the trading partner field in the lower DB matched with the real name verification source user transaction account ID in the transaction DB, ≪ / RTI > The user terminal is connected to the transaction search screen of the real name verification source server and the record of 'the real name verification user ID is stored in the transaction other party field' in the lower DB matched with the real name verification source of the real name verification of the transaction DB of the real name verification source server &Quot; information stored in a brief field " of a recent record among the plurality of records; Transmitting the 'out-of-house matching' to the user name of the real-name confirmation user ID in the input unit of the user terminal and transmitting the 'out-of-home' matched to the user name of the real name verification user in the transmission / reception unit to the real- Receiving, at the real-name confirmation demand server, the transmission / reception unit 'out-of-home matching with the real-name confirmation user ID transmitted from the user terminal'; Extracting an out-of-match matched with the received user's real-name confirmation user ID in the real-name confirmation DB; Checking ("non-judgment") whether the operation unit matches the out-of-operation information transmitted from the user terminal against the extracted out-of-operation information; Extracting a real name ID matched with the real name verification demand user ID in the real name confirmation DB if both the real name judgment and the non-judgment are positive; Storing the extracted real name ID by matching with the real name verification user ID in the user DB; .

For reference, the embodiment described above is an embodiment (hereinafter referred to as " first embodiment ") that can be achieved only by upgrading a blind date confirmation destination server without upgrading a blind date confirmation source server, (Hereinafter referred to as " second embodiment ") that completes the application of the real name verification at the supplier, and the real name verification demand server is required.

An embodiment that does not utilize a relay server and an embodiment that uses a relay server (hereinafter referred to as " sixth embodiment ") can be used as an embodiment that requires connection to the real name verification destination server. (Hereinafter referred to as " third embodiment ") in which a blind date confirmation request is completed in a blind date confirmation demand server and a blind date confirmation server in a blind date confirmation demand server, (Hereinafter referred to as " the fourth embodiment "), the real name confirmation demand server and the real name confirmation source server, respectively.

According to the embodiment of the present specification, the user is not required to visit any of the off-line places and the " off-line visit inconvenience " is solved.

It also eliminates the need to send images of government issued ID cards and eliminates the risk of "illegal copying of ID images".

Further, in the case of a user, an operation of photographing an ID card by activating a camera and transmitting the image, an operation of submitting an official certificate, and the like are unnecessary; And an operation of accessing the user's real name verification client server and inputting the user name matching the real name verification user ID; The inconvenience of complicated long time is reduced.

FIG. 1 is a block diagram of hardware components constituting a system for implementing a non-face-based real name verification method according to an embodiment of the present invention.
2 is a flowchart showing an operation of a non-face-based blindness checking method according to an embodiment of the present invention (hereinafter, referred to as " first embodiment ") without upgrading the blindness verification source server.
FIG. 3 is a diagram illustrating a non-face-to-face blindness check method (hereinafter referred to as "first embodiment") according to an embodiment of the present invention (hereinafter referred to as "second embodiment") in which a user inputs a blind date confirmation source server, Fig.
4 is a flowchart illustrating a method of confirming a non-face-to-face blindness according to an embodiment of the present invention (hereinafter referred to as " the third embodiment ") in which a user inputs a blind date confirmation source server, Fig.
5 shows an embodiment of the present invention (hereinafter referred to as " fourth embodiment ") in which a user accesses a user's real name verification requesting server to apply for a real name verification, and the user's authentication information is directly submitted to a real name verification source server FIG. 6 is a flow chart showing the operation of the non-face-to-face blindness checking method according to FIG.
6 shows an example of the present invention (hereinafter referred to as " the fifth embodiment ") of upgrading the real name verification source server so that the user can provide necessary information to both the real name verification demand source server and the real name verification source server, FIG. 6 is a flowchart showing an operation of a non-face-to-face blindness checking method according to FIG.
7 is a flowchart illustrating an example of a method for completing the application for confirming the use of a real name by accessing a user's real name verification requesting server and upgrading the real name verification source server to utilize the relay server (hereinafter referred to as "sixth embodiment" FIG. 6 is a flowchart showing the operation of the face-to-face name verification method;
FIG. 8 is a flowchart showing the operation of the non-face blindness verification method according to the first embodiment (hereinafter referred to as " Embodiment 1-1 "
Fig. 9 is a flowchart showing the operation of the non-face blindness verification method according to the second embodiment (hereinafter referred to as " Example 2-1 "
10 is a flowchart showing the operation of the non-face blindness verification method according to the third embodiment (hereinafter referred to as " Example 3-1 "
11 is a flowchart showing the operation of the non-face blindness verification method according to the fourth embodiment (hereinafter referred to as " Example 4-1 "
FIG. 12 is a flowchart showing the operation of the non-face blindness verification method according to the fifth embodiment (hereinafter referred to as "Example 5-1") for requesting confirmation of blindness after receipt of a transaction application.
13 is a flowchart showing the operation of the non-face blindness verification method according to the sixth embodiment (hereinafter referred to as " Example 6-1 "

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The various embodiments of the present invention are different but need not be mutually exclusive. For example, the specific shapes, structures, and characteristics described in connection with the specific embodiments of the invention may be embodied in other embodiments without departing from the spirit and scope of the invention.

Further, the position or arrangement of the individual components in each embodiment can be variously modified within the spirit and scope of the present invention. The following detailed description is not intended to limit the invention, and the terms used in the description are selected for readability or ease of explanation.

The terms used throughout the specification of the present invention have been defined in consideration of the functions of the embodiments of the present invention and therefore can be sufficiently modified according to the intention of the user or the user, It should be based on the contents throughout.

On the other hand, when the same reference numerals are used in the figures, the same reference numerals refer to the same or similar functions for various embodiments.

The term " transaction " referred to in the present specification refers to all activities that use services provided by the user, such as search, communication, commerce, commerce, and remittance.

The " transaction account ID " is identification information given to the user at a specific use place so as to distinguish a transaction made by a specific user at a specific blind date confirmation supply source from a transaction made by another user and to assign the result of the transaction to the user. Means identification information to be matched to a user's own transaction performed in the use place. Thus, the e-mail address, telephone number, prepaid account number, credit card number, bank account number, etc. given to the user may be one embodiment of the user transaction account ID.

The " master password " referred to in the present specification refers to secret information that is neither submitted to the use server nor stored in the user terminal and is predetermined secret information memorized by the user, Password) used for encryption / decryption.

The term " user " as used herein means a person who wishes to use an online transaction service provided by a use-destination server.

The " user transaction account ID " referred to in the present specification means a transaction account ID given to a specific user at a specific use place.

The term " place of use " referred to in the present specification refers to an organization that operates a server that provides a service that allows a user to connect to his or her terminal (hereinafter referred to as " user terminal " .

The " source of the blindness confirmation " referred to in the present specification means a use place for confirming the real name ID of the user.

Also, the " real name verification source user transaction account ID " referred to in this specification means the transaction account ID of the user opened at the real name verification source.

Also, " a user for confirming his / her blindness " referred to in the present specification means a place where a user needs to confirm his / her blindness.

The " real name ID " referred to in this specification means legally recognized information as identification information of the actual name of the user. Therefore, the resident registration number, the business number, the corporation number, the alien registration card number, and the passport number may be one embodiment of the real name ID.

The " connection address " referred to in this specification refers to identification information to be presented for connection with a specific device among a plurality of devices connected to a communication network, and collectively refers to a web address, a telephone number and the like.

Also, " WYH " or " What You Have " as referred to in the present specification refers to information considered to be possessed only by a person having a specific medium. For example, 'unique Seed stored in a specific OTP generator, specific biometric information, specific authorized certificate, etc.' can be one example of WYH, which is 'information regarded as only a specific user can hold'.

Also, " login password " referred to in this specification refers to a password of a user to be submitted along with a " user ID "

Also, " user ID " as referred to in the present specification refers to identification information of a user registered in a server operating in.

The term " server " as used herein refers to a server operated by.

Also, " ~ ID " as used herein means identification information for identifying " ~ " from another object.

Also, the term " information matched to " or " matching information " referred to in the present specification includes generic terms such as' information capable of calculating ~ 'and' information capable of searching for ~ It means.

Also, the term " box " referred to in the present specification refers to an area for inputting information for selecting an operation with respect to a box, a menu, an icon, . For example, the " real name verification source ID box " is generally referred to as an on-screen area such as a box form, a menu form, and an icon form in which a specific real name confirmation supply source ID is displayed.

Also, " to box selection information " referred to in this specification means " information for selecting a box.

The phrase " inputting information to select " and " inputting selection information ", which are referred to in the present specification, include an operation of 'inputting a symbol corresponding to a menu using a keyboard' An operation of clicking on an area of ~ displayed on the touch screen, an operation of " touching an area of ~ displayed on the touch screen, "

Hereinafter, the non-face-blind verification apparatus and method proposed in the present specification will be described in detail with specific embodiments.

FIG. 1 is a block diagram of hardware components constituting a system for implementing a non-face-based real name verification method according to an embodiment of the present invention.

The real name verification source server 100 includes a transmission / reception unit 110, a control unit 140, an operation unit 150, a function storage unit 160, a transaction DB 170, a user DB 180, do.

Receiver 110 transmits and receives information to and from at least one of the real name verification demand server 200, the user terminal 300 and the real name confirmation relay server 400 under the control of the controller 140. [

The control unit 140 designates the real name verification user ID sent from the real name verification user server 200 as the transaction applicant ID and the real name verification source user transaction ID as the trading partner account ID , The control unit 160 controls the user DB 180 to select one or more of the name and the real name ID matched to the received real name verification source user account ID, , And the transceiver 110 controls the transmission / reception unit 110 to transmit at least one of the 'name and real name ID' to the blind date confirmation demand server 200 as a response to the received information.

The control unit 140 controls the timer (not shown) to calculate the current time value when the transmitter / receiver 110 receives 'information indicating confirmation' from the real name verification demand source server as a response to the transmission, In the transaction DB 170, the real name verification user ID is stored in the transaction partner field in the lower DB matched with the received real name verification source user account ID, and the ' And controls the time value field to store the time value.

The control unit 140 may also be configured to determine that the transmission / reception unit 110 has received the user ID 300 from the user terminal 300 connected to the predetermined real name verification application page, the real name verification source user account ID, (Or the specific name verification client ID) and the real name verification application box selection information 'from the user DB 180, the user DB 180 reads' the received personal identification information, WYH and the login password matched to at least one of the user's real name verification source ID, the real name verification source user transaction account ID and the real name ID ', and when the operation unit 150 receives the' WYH 'and the login password (Hereinafter referred to as " personal authentication information determination ") by comparing the calculated personal authentication information with the received personal authentication information to determine whether the personal authentication information matches each other And controls the user DB 180 to extract the transaction account IDs matched to the received user name, the real name verification source user ID, the real name verification source user transaction account ID and the real name ID, and the operation unit 150 ) Judges whether one of the extracted transaction account IDs coincides with the received real name verification source user transaction account ID (hereinafter referred to as " transaction account determination "), If all of the judgments are affirmative, the use destination access address matched with the received real name verification ID (or the real name verification ID corresponding to the received real name confirmation ID ID box selection information) So that at least one of the name and the real name ID matched to at least one of the user name of the real name verification source user ID, the real name verification source user transaction account ID, and the real name ID is extracted from the user DB 180 And the transmission / reception unit 110 transmits the extracted 'name' and the real name ID 'matching the real name verification source ID and' at least one of the received real name verification source user ID, real name verification source user transaction account ID and real name ID ' To the real name confirmation demand server 200 corresponding to the extracted use destination access address.

The control unit 140 determines whether or not the transmission / reception unit 110 receives the real name verification request ID, the real name confirmation transaction ID, the name, the real name confirmation source user ID, The user DB 180 receives at least one of the user's transaction account ID and the real name ID, and the user's authentication information 'in the user DB 180. At least one of the received user's real name verification source ID, real name verification source user transaction account ID, And at least one of the name, the real name ID, and the transaction account IDs' matched to the 'WYH and the login password', and the operation unit 150 controls the 'WYH and the login password' (The " identity verification information determination ") by comparing the calculated authentication information with the received authentication information and comparing the calculated authentication information with the received authentication information, , At least one of the name and the real name ID '(&Quot; real name determination ") in accordance with one or more of the name and the real name ID retrieved from the user DB 180, and determines whether or not the received real name If the user authentication information determination and the real name determination are both positive, the transmission / reception unit 110 determines whether the user's real name verification server matches the 'real name verification transaction ID' (Hereinafter referred to as " matching code ") to the real name confirmation demand server 200 corresponding to the real name verification demand server connection address, and if the real name determination is negative, the transmission / reception unit 110 (Hereinafter referred to as " inconsistent code ") matched with the received real name verification transaction ID to the real name verification demand server access address.

The control unit 140 receives the real name verification ID and real name confirmation transaction ID transmitted from the real name verification requesting server 200 and transmits the real name confirmation request from the real name confirmation requesting server 200 to the user terminal 200. [ Receiving section 110 receives the redirection of the 'connection with the server 300', the transmission / reception section 110 transmits the received real name verification ID, the real name confirmation transaction ID, the predetermined user ID field, the transaction account ID field and the real name ID field (Hereinafter referred to as " first real name verification application screen ") including at least one personal identification information input field and at least one predetermined authentication information input field and a real name verification request confirmation box to the user terminal 300 , And the transmission / reception unit 110 determines whether or not the user ID 300, the real name verification ID, the real name confirmation source ID, the real name verification source user transaction ID, and the real name ID One or more, and one or more authentication information WYH 'corresponding to' one or more of the user's real name verification source user ID, real name verification source user transaction account ID, and real name ID 'in the user DB 180 and' At least one of 'one or more', 'at least one of the name and the real name verification source user transaction account ID' and the real name ID are retrieved, and the operation unit 150 calculates the identity authentication information using the 'WYH and at least one of the login password' (The "identity verification information determination") to determine whether the identity verification information is matched with the received authentication information, and if the authentication information determination is affirmative, 190), the real-name confirmation requesting server connection address matched with the received real-name confirmation requesting user ID is extracted, and the transmitting and receiving unit 110 transmits the real- And it controls to transmit the colored, name and blindness check supply source user transaction account ID and one or more "of the real name to the real name ID confirmation demand server 200 corresponding to the real name server confirmation demand access address.

The control unit 140 also receives a real name verification request including a real name verification source user ID, a real name verification source user transaction account ID, and a real name ID transmitted from the real name confirmation relay server 400, , The WYH matching with at least one of the user's real name verification source user ID, the real name verification source user transaction account ID and the real name ID, which is read from the received message, One or more of "one or more of" the name, the real name verification source user transaction account ID and the real name ID "are extracted, and the operation unit 150 calculates the identity authentication information using the 'WYH and one or more of the login password' , And controls so that the calculated identity authentication information is matched with each other ("identity authentication information determination") against the identity authentication information read out in the received message, If it is affirmative, the professional writing unit (not shown) matches the real name verification source ID and the 'real name confirmation transaction ID read out in the received specialization', and 'matches the searched name, real name verification source user transaction account ID and real name ID And the transmission / reception unit 110 transmits 'the completed name verifying verse' to the blind date confirmation relay server 400 as a response to the received 'verified verified name verification application full' .

The calculation unit 150 performs a mathematical or logical operation under the control of the control unit 140. [

The function storage unit 160 is matched with the shared variable calculation function and the identity authentication information calculation function stored in the function memory 376 configured in the real name verification application 370 installed in the user terminal 300 Quot; shared variable calculation function and self-authentication information calculation function "

According to a further aspect of the present invention, one or more of the WYH, the login password and the shared variable may be included as independent variables of the authentication information function.

In the transaction DB 170, one or more sub-DBs including the real-name confirmation source user transaction account ID are matched with the account IDs, and each of the sub-DBs includes a transaction counterpart field, a brief field, a time value field, .

The user DB 180 stores a name, a real name ID, WYH, a login password (the " real name verification source login password " in the present invention), and a real name One or more transaction account IDs including verification source user transaction account ID 'are stored.

The use-destination DB 190 stores the use-destination access address by matching one or more each use-place ID including the real-name confirmation demanding-place ID.

A timer (not shown) calculates the current time value.

The real name confirmation demand server 200 includes a transmission / reception unit 210, a control unit 240, a redirection unit 245, an operation unit 250, a transaction ID generation unit 255, a non-generation unit 256, A transaction DB 270, an at-call transaction DB 275, a user DB 280, and a use-destination DB 290.

The transceiver 210 transmits and receives information to and from at least one of the real name verification source server 100, the user terminal 300 and the real name verification server 400 under the control of the controller 240. [

The control unit 240 receives the user name, the user name, the user name, the user name, the user name, the user name, the user name, the user name, Information including the real name verification source supplier transaction account ID ', the control unit 25 controls the transaction ID generation unit 255 to generate a predetermined real name verification transaction ID, and causes the non-generation unit 256 to generate a predetermined number Matching with the received user's real name verification user ID 'to the real name confirmation DB 265, and the' real name verification source ID 'matching the received real name verification source ID box selection information And the real name confirmation transaction ID and the non-user name are stored in the user DB 290. The 'user ID' and the 'real name verification ID' The real-name confirmation source server connection address matched with the received real-name confirmation source ID (or the real-name confirmation source ID matching the real-name confirmation source ID box selection information received in the step) Small-scale transaction application information for designating the real-name confirmation customer ID as the transaction applicant ID, designating the real-name confirmation source user transaction account ID as the counterpart account ID, and designating the passbook as a brief, (Hereinafter referred to as " first embodiment real name verification request operation feature ") to be transferred to the real name verification source server 100 of the first embodiment.

In addition, the control unit 240 determines whether or not the transmission / reception unit 210 has received the 'real name verification source server 100' as a response to the transmission of the real name verification source server 100 according to the first embodiment of the real- Name / real name ID 'matched to the' real name verification source user account ID 'received from the user terminal is extracted from the real name confirmation DB 265 , And the operation unit 250 compares 'one or more of the name and the real name ID' transmitted from the real name verification source server 100 with the extracted one or more of the name and the real name ID, (Hereinafter, referred to as " real name determination "), and if the real name determination is affirmative, the transmission / reception unit 210 transmits predetermined 'confirmation meaning information' to 'information transmitted from the real name verification source server 100' To send as a response When the transmission / reception unit 210 receives the 'out-of-match matching with the user's real-name confirmation user ID transmitted from the user terminal 300' after the transmission, the real-name confirmation user ID And the operation unit 250 compares the outbound number transmitted from the user terminal 300 with the outbound number extracted from the real name confirmation DB 265 to determine whether they match each other If the non-judgment is affirmative, the real name verification DB 265 checks the 'real name verification source ID' matching the 'real name verification demand user ID transmitted from the user terminal 300' The real name verification customer ID, the real name verification source ID, and the user ID of the real name verification user ID are extracted from the user DB 280, and the extracted information is stored in the user DB 280 The pictures of the features.

On the other hand, the control unit 240 determines whether or not the transmission / reception unit 210 designates another usage source ID as the trading partner usage source ID and transmits the transaction account ID of the trading partner (hereinafter referred to as " Transaction account ID ") and a user ID (hereinafter referred to as" another use user ID ") registered by the trading partner in the other use destination as one or more of the trading partner account ID and the trading partner user ID (Hereinafter referred to as " transaction partner connection address ") capable of communicating with the counter party, and a user ID of the real name confirmation customer of the counter party, and a predetermined transaction application including a predetermined transaction target Information ', the user DB 280 determines whether or not' another usage user transaction account ID included in the transaction application information, another usage user ID and a user's real name verification user ID of the transaction partner One or more ', and if the real name ID is not found, the transaction ID generation unit 255 controls to generate a predetermined real name verification transaction ID, and controls the waiting transaction DB 275 And at least one of the trading partner user ID, the trading partner account ID, and the trading partner user ID, at least one of the trading partner connection address and the real name verification requesting party user ID, And controls the transmission / reception unit 210 to transmit 'the real name confirmation transaction ID, the predetermined transaction application reception information, the real name confirmation request information, and the application target transaction notice' as the transaction partner connection address Hereinafter referred to as "transaction characteristics of unauthorized other use transactions").

In addition, the control unit 240 determines whether or not the transmission / reception unit 210 has received the blindness confirmation transaction transmitted from the user terminal 300 as a response to transmission of the user terminal 300 according to the & The real name verification customer ID account, the real name verification demand user ID, the real name verification demander login password, the name, the real name ID, the real name confirmation supply source ID box selection information, and the real name verification source user transaction account ID ' ) To match the received real name verification source ID with the received real name verification source ID (or the received real name verification source ID box) to the real name verification DB 265 The real name verification room ID, the real name verification room ID, the real name verification room ID, the real name verification room ID, the real name verification room ID, the real name verification room ID, DB ( 290), the real name verification source server connection address matched with the received real name verification source ID (or the real name verification source ID matching the real name verification source ID box selection information received in the step) is extracted, (210) designates the 'real name verification customer ID' as the transaction applicant ID, designates the real name verification source user transaction account ID as the transaction partner account ID, and the transaction application information ' To the real name verification source server 100 corresponding to the connection address. If the transmission / reception unit 210 receives at least one of the name and the real name ID transmitted from the real name verification source server 100 as a response to the transmission, The name and the real name ID matching the real name verification source user transaction account ID received from the user terminal are extracted in the real name confirmation DB 265, (Hereinafter, referred to as " blindness determination ") by comparing one or more of the name and the real name ID transmitted from the real name verification source server 100 against one or more of the extracted name and real name ID, , And if the real name determination is affirmative, the transmission / reception unit 210 controls to transmit a predetermined 'information meaning confirmation' as a response to 'the information transmitted from the real name verification source server 100' After the transmission, if the transmission / reception unit 210 receives the 'out-of-match matching with the user's real name verification user ID transmitted from the user terminal 300', the real-name confirmation user ID And the operation unit 250 compares the outbound number transmitted from the user terminal 300 with the outbound number extracted from the real name confirmation DB 265 to determine whether they match each other Non-judgment " If the non-judgment is affirmative, the real name verification DB 265 checks to see if the real name verification source ID matches the real name verification source user ID transmitted from the user terminal 300, The user DB 280 controls the extracted user ID to match the user ID of the user's real name verification user so that the extracted information is stored in the user DB 280 and the real name verification DB 265, the real-name confirmation transaction ID matching the real-name confirmation user ID transmitted from the user terminal 300 is extracted. In the waiting transaction DB 275, the real-name confirmation transaction ID is matched with the extracted real- At least one of the trading partner use ID, the trading partner account ID and the trading partner user ID, and at least one of the trading partner connection address and the real name confirmation demanding party user ID, and the application subject transaction target are extracted The control unit 250 controls the transaction DB 270 to store the matching destination address and the usage destination access address matched with the usage counter ID in the usage DB 290. When the transmission / One or more of the counterpart account ID and the counterparty user ID, and the transaction target point '.

On the other hand, if the transmission / reception unit 210 receives at least one of the real name verification source ID, the real name verification source ID, the real name verification source user transaction account ID, and the real name ID transmitted from the real name verification source server 100 ', The transaction ID generation unit 255 controls the generation of the predetermined real name verification transaction ID, and the non-generation unit 256 generates the predetermined non-production number Matches at least one of the received real name verification source ID, the real name verification source ID, the real name verification source user transaction account ID, and the real name ID, matching the real name verification transaction ID in the real name verification DB 265, To control the storage of the real name verification source server connection address matched with the real name verification source ID in the use DB 290 and to control the transmission / reception unit 210 to ' Confirm your blind date Demand ID to transaction applicant ID To the real name verification source server address corresponding to the real address verification source server connection address, the transaction application information specifying the real name verification source user transaction account ID as the transaction partner account ID, 100) (hereinafter referred to as " second embodiment real name verification application operation feature ").

The controller 240 then determines whether or not the user ID of the real name verification user, the real name verification user login password, the name, the real name When receiving the at least one of the confirmed supply source user ID, the real name verification source user transaction account ID, and the real name ID, the real name confirmation DB 265 reads' the real name verification source user ID and the real name verification source user transaction account And the operation unit 250 controls the 'operation unit 250' to search the 'unknown name' and the 'unknown name' in the real name verification DB 265, (Hereinafter referred to as " non-judgment ") in accordance with the name of the real name and the name of the real name, One or more of the ID's (Hereinafter referred to as " blindness judgment ").

If both the non-judgment and the real name determination are positive, the control unit 240 determines that the user DB 280 has received at least one of the real name verification source user transaction account ID, the name and the real name ID, 300, the real-name confirmation demanding user ID and the real-name confirmation demanding user's login password 'are matched and stored.

On the other hand, the control unit 240 transmits, to the user terminal 300 according to the operation characteristics of the unused real-name use transaction, the real-name confirmation transmitted from the registered real name verification source server 100, And the real name ID matched to at least one of the supply source ID, the real name confirmation supply source user ID, the real name confirmation source supplier transaction account ID and the real name ID, the non-generation unit 256 generates a predetermined number And controls so that the real name verification transaction ID matched with the received real name verification source user transaction account ID is retrieved from the waiting transaction DB 275. In the real name verification DB 265, At least one of the user name of the real name verification source, the name of the real name verification source user transaction account ID and the real name ID, and at least one of the name and the real name ID 'and the above-mentioned address.

On the other hand, the control unit 240 determines whether or not the transmission / reception unit 210 receives the user's name verification user ID transmitted from the user terminal 300 connected to the predetermined user registration page, the real name verification demander's login password, When receiving at least one of the supply source user ID, the real name confirmation supply source user transaction account ID and the real name ID, the real name confirmation supply source ID box selection information (or the real name confirmation supply source ID), and one or more identity authentication information ' 255) matches the user name of the real name verification user ID, the real name verification user ID, the real name verification user login password, the name, the real name And the real name confirmation transaction ID are stored in the use-source DB 290. In addition, the real-name confirmation transaction ID is stored in the use-source DB 290, And transmits the real name verification ID, real name confirmation source ID, real name verification source ID, real name verification source user transaction ID, real name (Hereinafter, referred to as " the third embodiment of the blindness confirmation request operation feature ") that controls at least one of the authentication information and the ID, and transmits at least one authentication information to the blindness verification source server 100 corresponding to the real- ).

In addition, the control unit 240 determines whether or not the transmission / reception unit 210 has received the real name verification transaction ID from the real name verification source server 100 as a response to the transmission according to the third embodiment of the real- Matching name ", the real name verification user ID, the real name verification user ID, the real name verification source ID, the real name verification source user ID, and the real name verification source ID, which are matched with the real name verification transaction ID, (Hereinafter referred to as " third embodiment real name verification registration operation feature ") in which one or more of the transaction account ID and the real name ID are extracted and stored so as to be matched with each other in the user DB 280. [

Meanwhile, the control unit 240 transmits, to the user terminal 300 in response to the unacknowledged other-use-place transaction reception operation characteristic, the transmission / reception unit 210 transmits the transmission request to the user terminal 300 connected to the predetermined user registration page (At least one of the name confirmation transaction ID, the real name verification user ID, the real name verification user login password, the name and the real name confirmation source user transaction account ID), the real name ID, the real name verification source ID box selection information The real name verification source ID, the real name verification source ID, the real name verification ID, the real name verification ID, and the real name verification ID, And the real name ID 'are stored in the user ID database 290, and the real name verification source server connection state matched with the real name verification source ID in the user ID DB 290 And the transceiver 210 controls the transmission / reception unit 210 so that the transmission / reception unit 210 transmits at least one of the real name verification demand source ID, the real name confirmation transaction ID and the received name and real name verification source user transaction account ID, (Hereinafter, referred to as " the third embodiment of the application for confirming the blindness after accepting the unblinded other use place transaction "), and the authentication information is transmitted to the real name verification source server 100 corresponding to the real address verification source server connection address .

In addition, the control unit 240 may be configured such that the transmission / reception unit 210 transmits, as a response to the transmission to the real name verification source server 100 according to the operation characteristic of the third embodiment of the present invention, Matching code corresponding to the real name verification transaction ID 'transmitted from the server 100, following the operation of the third embodiment of the real name verification registration operation feature, the real name verification user ID In the waiting transaction DB 275, a 'counterparty use ID' matched with 'the extracted name confirmation transaction ID', and a transaction counterpart account ID and a transaction counterpart user ID The transaction DB 270 is controlled to store the extracted information, and the usage DB 290 is used to store the transaction target address, In the transaction And controls the transmission / reception unit 210 to transmit at least one of the transaction counterpart account ID and the counterparty user ID and the application target transaction point to the use destination access address .

On the other hand, the control unit 240 determines whether or not the transmission / reception unit 210 receives the user's name verification user ID transmitted from the user terminal 300 connected to the predetermined user registration page, the real name verification demander's login password, When receiving at least one of the supply source user ID, the real name confirmation supply source user transaction account ID, and the real name ID and the real name confirmation supply destination ID box selection information, the transaction ID generation unit 255 controls to generate a predetermined real name confirmation transaction ID , The real name verification source ID, the real name verification source login password, the name, the real name verification source user ID, the real name verification source user transaction account ID, and the real name ID, and the real name verification transaction ID are stored in the usage DB 290, and controls the real name verification source server connection address matched with the real name verification source ID to be extracted from the use DB 290. The transmission / reception unit 210 ) To the real name verification source server 100 corresponding to the real name verification source server connection address, and the redirection unit 245 controls the redirection unit 245 to transmit the ' 300) is redirected to the real name verification source server 100 matched with the real name verification source ID (hereinafter referred to as " the fourth embodiment real name verification request operation feature ").

The transmission / reception unit 210 transmits the real name verification transaction ID, the real name verification transaction ID, and the real name verification source user transaction account ID, which are transmitted from the real name verification source server 100, as a response to the transmission according to the fourth embodiment of the real- ID of the real name verification user ID and the real name verification user ID " corresponding to the received real name verification transaction ID is extracted from the real name confirmation DB 265, (At least one of the received name, the real name verification source user transaction account ID and the real name ID) is stored in the user DB 280 in correspondence with the real name verification demand user ID and the real name verification demand password Quot; the fourth embodiment real name verification registration operation feature ").

Meanwhile, the control unit 240 transmits, to the user terminal 300 in response to the unacknowledged other-use-place transaction reception operation characteristic, the transmission / reception unit 210 transmits the transmission request to the user terminal 300 connected to the predetermined user registration page Name confirmation business ID, real name verification user ID, real name verification user ID password, and real name verification provider ID box selection information ', the real name verification DB 265 matches' the received real name verification transaction ID' , The received real name verification user ID, the real name verification user login password, and the received real name verification source ID (or the real name verification source ID matching the received real name verification source ID box selection information) are stored , And the use-destination DB server 290 transmits the real-name confirmation source server connection address matching the 'received real name verification source ID' (or the use ID matched to the received real name verification source ID box selection information) The transmission / reception unit 210 controls the transmission / reception unit 210 to transmit the real name verification ID and the stored real name confirmation transaction ID to the real name verification source server 100 corresponding to the real name verification demand server access address, (Hereinafter referred to as " real name confirmation request application after receipt of another unused real name transaction ") to the real name verification source server 100 corresponding to the real name verification source server connection address of the user terminal 300 4 example operation characteristics ").

After the redirection in front of the blindness confirmation source server 100 according to the fourth embodiment of the present invention, the control unit 240 transmits / receives the blindness confirmation source server 100 ) Of the real name verification transaction and the real name verification transaction ID, and the name, the real name verification source user transaction account ID, and the real name ID transmitted from the waiting transaction DB 275, at least one of the trading partner user ID, the trading partner account ID and the trading partner user ID, which is matched with the real name verification transaction ID transmitted from the blindness verification source server 100, and at least one of the trading partner connection address and the real name verification The user DB 290 controls to extract one or more of the user IDs of the user IDs and the user IDs of the user IDs to be stored in the transaction DB 270, connect Address, and controls the transmission / reception unit 210 to transmit at least one of the counterpart account ID and the counterparty user ID and the counterpart transaction target as the use-destination access address.

On the other hand, the control unit 240 determines whether the user ID of the real name verification demand user, the real name verification user login password, the real name confirmation request box selection information ' The transaction ID generating unit 255 controls the generation of the predetermined real name verification transaction ID, and the real name confirmation DB 265 is matched with the received real name verification user ID and the real name verification demanding party login password The transmission / reception unit 210 controls the transmission / reception unit 210 to transmit the real name verification ID and the real name confirmation transaction ID to the real name confirmation relay server 400, and the redirection unit 245 controls the transmission / The transmission / reception unit 210 controls to redirect the connection of the terminal 300 to the real name verification server 400, and transmits the real name confirmation transaction ID to the real name confirmation server 400 as a response to the transmission Name validation relay server ID including at least one of the real name confirmation relay server ID, the name, the real name verification source user transaction account ID, and the real name ID, which is referred to as " real name confirmation relay server " And controls the user DB 280 to extract the real name verification user ID and the real name verification user login password matched with the transaction ID, and matches the real name verification demand user ID and the real name verification demand user login password in the user DB 280, And at least one of the user name and the real name verification source user transaction account ID and the real name ID are stored.

The redirection unit 245 controls the connection of the user terminal 300 connected to the predetermined real name verification application page to the real name verification source server 100 and the real name confirmation relay server 400 ). ≪ / RTI >

The operation unit 250 performs a mathematical or logical operation under the control of the control unit 240.

The transaction ID generation unit 255 generates the real name verification transaction ID under the control of the control unit 240. [

The non-generation unit 256 generates a predetermined non-production according to the control of the control unit 240.

According to an additional aspect of the present invention, the offense is a one time password (OTP).

According to an additional aspect of the present invention, the offense generating unit 256 may be a transaction ID generating unit 255, and the offense may coincide with the real name verification transaction ID.

In the real name confirmation DB 265, the real name verification user ID, the real name verification user ID, the real name verification source ID, the name, the real name verification source ID, the real name verification source user transaction ID, One or more of the real name ID 'and the non-name can be stored.

In the transaction DB 270, 'the counterparty application ID, the counterpart account ID, the counterpart name, the counterpart connection address, and the application target point' may be stored so as to be matched with each other.

The waiting transaction DB 275 may store the counterparty application ID, the counterpart account ID, the counterparty name, the counterparty user ID, the counterparty access address, and the subject matter of the counterpart matching the real name verification transaction ID.

According to an additional aspect of the present invention, the trading partner account ID may be the real name verification source user transaction account ID.

In the user DB 280, a user name, a real name verification ID, and a transaction account ID may be stored in the user DB 280 to match the user name of the real name verification user, the user login address, the user name, the real name verification source ID,

According to an additional aspect of the present invention, the user access address may store at least one of a user's mobile phone number and an e-mail address.

According to a further aspect of the present invention, as the transaction account ID, at least one of a real name confirmation user account transaction account ID, a real name confirmation supply source user transaction account ID, and another user account transaction account ID may be stored.

The use-destination DB 290 stores the use-destination access address by matching with one or more each use-place ID including the real-name confirmation source ID and the counterparty use ID.

The user terminal 300 includes a transmitting / receiving unit 310, an input unit 320, an output unit 330, and a name verification application 370.

The transmission / reception unit 310 receives the real name verification source server 100, the real name verification demander server 200, and the real name confirmation relay server 400 according to at least one of the control unit 340 and the real name confirmation application control unit 371 Sends and receives information to one or more.

The input unit 320 may include at least one of a touch screen, a keyboard, a mouse, and a microphone, and may receive at least one of predetermined information, images, sounds, and moving images.

The output unit 330 may include at least one of a touch screen, a monitor, a printer, and a speaker. The control unit 340 and the blindness check application control unit 371 may control the display unit 330 to display predetermined information, ≪ / RTI >

The control unit 340 receives the information on the screen of the predetermined form from one of the 'real name verification source server 100 and the real name confirmation relay server 400' to which the transmission / reception unit 310 is connected, In a state where the user terminal 300 is connected to one of the user registration page of the real name verification demand server 200 and the real name verification application page of the real name verification source server 100 , And if the corresponding information is input to the input unit 320 by matching the predetermined input field selection information included in the screen, the transmission / reception unit 310 transmits the input information to the server that has transmitted the information about the screen .

The real name confirmation application 370 includes a real name confirmation application control unit 371, a user ID memory 372, a WYH memory 373, a password memory 374, a connection address memory 375 and a function memory 376.

The real name confirmation application control unit 371 controls the real name confirmation application 370 to be activated and the output unit 330 to output a predetermined master password input field when the transmission / reception unit 310 receives the predetermined real name confirmation application activation code .

When the predetermined information is input to the input unit 320 in correspondence with the master password input field selection information, the input unit 320 recognizes the information as the master password, controls the user ID memory 372 to search for the user ID of the real name verification source, The encrypted WYH and at least one of the encrypted real name login source login password and the encrypted real name ID 'is retrieved from at least one of the WYH memory 373, the password memory 374, and the real name memory (not shown) And controls the function memory 376 to retrieve a predetermined decryption function, a principal authentication information calculation function, and a shared variable calculation function, controls the shared variable calculation function to calculate a predetermined shared variable, and the decryption function The encrypted WYH and the corresponding encrypted one or more of the encrypted real name login source password and the encrypted real name ID are separately stored in the master The master password is decrypted using the decryption key, and at least one of the decrypted 'WYH and the real name verification source password' and the calculated shared variable are input to the principal authentication information calculation function (Hereinafter referred to as " real name verification application access address ") of the 'real name verification application screen provided by the real name verification source server 100' is retrieved from the connection address memory 375 The transferee unit 310 transmits the real name verification user ID, the real name confirmation transaction ID, the searched real name authentication source user ID, and the calculated personal authentication information, which are transmitted from the real name verification demand server 200, To the real name verification source server 100 corresponding to 'the retrieved real name verification application access address'.

The user ID memory 372 may store the user ID of the real name verification source.

According to an additional aspect of the present invention, the real name verification source user ID may be stored as 'encrypted with a predetermined master password as an encryption key'.

The WYH memory 373 may store WYH.

According to an additional aspect of the present invention, the WYH may be stored as 'encrypted with a predetermined master password as an encryption key'.

The password memory 374 may store the login name of the real name verification source.

According to an additional aspect of the present invention, the real name verification source password may be stored as 'an encrypted state using a predetermined master password as an encryption key'.

In the connection address memory 375, a connection address (" real name verification application connection address ") of the 'real name verification application screen provided by the real name verification source server 100' is stored.

The function memory 376 stores at least one of a predetermined cryptographic function, a decryption function, a principal authentication information calculation function, and a shared variable calculation function.

According to a further aspect of the present invention, the shared variable calculation function is matched with a shared variable calculation function stored in the function storage unit 160 configured in the real name verification source server 100, and the both shared variable calculation functions are matched with each other Can be calculated.

According to a further aspect of the present invention, when the decryption function receives the encrypted WYH, one or more of the encrypted real name verification source login password and the encrypted real name ID together with the predetermined master password, Decrypts the encrypted WYH and at least one of the encrypted real name login source password and the encrypted real name ID using the decryption key.

According to a further aspect of the present invention, the authentication information calculating function of the user inputs predetermined one or more of WYH, a real name verification source password and a shared variable, and calculates predetermined authentication information.

According to a further aspect of the present invention, the authentication information calculation function of the user is matched with a user authentication information calculation function stored in the function storage unit 160 configured in the real name verification source server 100, The biometric authentication information calculation function calculates biometric authentication information matched with each other.

The real name confirmation relay server 400 includes a sending / receiving unit 410, a control unit 440, a specialized writing unit 446, and a use destination DB 490.

The transceiver 410 transmits and receives information to and from at least one of the real name verification source server 100, the real name confirmation demand server 200 and the user terminal 300 under the control of the controller 440.

The control unit 440 receives the real name confirmation ID and the real name confirmation transaction ID transmitted from the real name verification requesting server 200 and transmits the real name confirmation request to the user terminal 300 ), A field for inputting a user's name, a user's name, a user's name, a user's name and a user's name, (Hereinafter referred to as " third real name verification application screen ") including at least one of the at least one authentication information input field and the real name verification application confirmation box to the user terminal 300 And transmits and receives the real name verification user ID, the real name confirmation source ID, the real name confirmation source ID, the real name verification source user transaction ID, and the real name confirmation source ID, which are transmitted from the user terminal 300, Wow Name validation confirmation box selection information 'that is matched with' the received real name verification source ID 'in the use-source DB 490, (Hereinafter, referred to as " real name verification intermediary member ID ") and the " real name verification ID " A user name, a user name, a user ID, a real name confirmation transaction ID, a real name confirmation source ID, a real name confirmation source user transaction account ID and a real name ID, and a predetermined real name And controls the transmission / reception unit 410 to transmit the verified full name verification application telegram to the real name verification source server 100 corresponding to the extracted real name verification source server connection address, (410) Upon receipt of the 'full name verification' transmitted from the 'real name verification source server 100' as a response to the transmission to the real name verification source server 100, the professional writing unit 446 reads' the full name verification transaction ID , And controls to create a predetermined full name verification relay program including the full name confirmation relay server ID and one or more of the full name and the real name verification source user transaction account ID and the real name ID read out in the specialization, (490) to extract the real-name confirmation demand server connection address matched with the real-name confirmation demand ID read from the received message, and the transmission / reception unit (410) controls the real- To the user's real name confirmation server 200 corresponding to the user's server connection address'.

The professional preparation unit 446 prepares a predetermined specialty according to the control of the control unit 440. [

The use-destination DB 490 stores the real-name confirmation source server connection address matched with the real-name confirmation source ID.

2 is a flowchart showing an operation of a non-face-based blindness checking method according to an embodiment of the present invention (" First Embodiment ") possible without upgrading the blindness verification source server.

The user connects the user terminal 300 to the user registration page of the predetermined form of the user's real name verification server 200 in a known manner at step 100 and inputs the user's real name verification user ID When the user inputs the real name verification user log-in password, his / her name, real name ID, information for selecting the box in which the real name verification source ID is displayed, and the real name verification source user account transaction ID, the transmission / reception unit 310 transmits the input information To the confirmation-demanding-place server 200.

According to an additional aspect of the present invention, the real name verification supply source is a specific bank, and the real name verification source user transaction account ID may be a deposit account number of a user opened in the bank.

According to another aspect of the present invention, in step 100 (or step 100-2 in FIG. 4, step 100-4 in FIG. 5, or step 100-10 in FIG. 8) May be input in place of the 'information for selecting a box marked with', and the 'information for selecting a predetermined real name verification source ID input field' instead of 'information for selecting a box marked with'.

In step 110, the transmission / reception unit 210 of the real-name confirmation requesting server 200 transmits a real-name confirmation requesting user ID, a real-name confirmation requesting user's login password, a name, a real name ID, Information including the real name verification source supplier transaction account ID 'is received, the transaction ID generation unit 255 generates a predetermined real name confirmation transaction ID, the non-generation unit 256 generates a predetermined name, (Or the real name confirmation supply source ID matched to the received real name confirmation supply source ID box selection information) and the 'real name verification source ID' that match the received 'real name verification user ID' The received real name verification request destination login password, the name, the real name ID, the real name confirmation source user transaction account ID ', the real name confirmation transaction ID, and the non-name.

According to an additional aspect of the present invention, the real name verification transaction ID in the present invention includes one or more of a real name verification user ID, a one time password (OTP) generated by the transaction ID generation unit 255, Lt; / RTI >

According to an additional aspect of the present invention, the offense generating unit 256 may be a transaction ID generating unit 255, and the offense may coincide with the real name verification transaction ID.

The real name confirmation supply source ID (or the real name confirmation supply source ID) received in step 110 (or step 110-1 in FIG. 3 or step 110-10 in FIG. 8) in the use-destination DB server 290 in the real- The real name verification source server connection address matching the real name verification source ID box selection information matched with the real name verification source ID box selection information received in the above step is extracted and the transceiver unit 210 designates the real name verification demand source as the transaction applicant The real name verification source user transaction account ID received in step 110 (or step 110-1 in Fig. 3 or step 110-10 in Fig. 8) is designated as the counterpart account ID, and step 110 (or step Quot; small business ", which specifies the business name generated in step 110-10 in FIG. 8A to 110-1 or step 110-10 in FIG. 8) to the real name verification source server 100 corresponding to the real name verification source server connection address, Lt; / RTI >

In the case where the real name confirmation supply source is Bank A, and the user's account ID of the real name verification source is the bank account number of Hong Gil-dong (user) established in the bank and the real name verification requester is Bank B, Server) is designated as a money transfer transaction applicant for bank B (real name verification customer) as an electronic financial server (real name verification source server) of bank A, and the bank account number (real name verification source user transaction account ID) to the receipt account number, designating the departure as a brief, and designating one source as the remittance amount, may be an example of the operation of step 120. [

In step 140, the transmitter / receiver 110 in the real name verification source server 100 transmits the real name verification ID specified by the transaction applicant ID, which is transmitted from the real name confirmation demand server 200 in step 120, and the real name Name of the real name verification source supplier transaction account ID ', which is matched with the received real name verification source user account ID', in the user DB 180, One or more 'is extracted, and the transceiver 110 transmits the' at least one of the name and the real name ID 'as a response to the received information.

If the transmitter / receiver 210 receives at least one of the name and the real name ID transmitted from the real name verification source server 100 in the real name verification demand server 200 at step 150, A name and a real name ID matched to the real name verification source user transaction account ID 'in step 120 are extracted and the operation unit 250 extracts a name and a real name ID transmitted from the real name verification source server 100 Quot; is compared with the extracted one or more of the name and the real name ID to judge whether they match each other (" judgment of blindness ").

If the real name determination is affirmative, step 160 is performed.

In step 160, the transmitter / receiver unit 210 transmits a predetermined 'information indicating confirmation' in response to the 'reception in step 150' in the real-name confirmation demand server 200.

When the transmitter / receiver 110 receives the 'information transmitted from the user's real name verification server 200' at step 160 in the real name verification source server 100 at step 170, a timer (not shown) calculates a current time value , In the transaction DB 170, 'the real-name confirmation demand ID received at step 140' is stored in the transaction counterpart field in the lower DB matched with the 'real name verification source user transaction account ID received at step 140' The 'outbound' received in step 140 is stored and the time value is stored in the time value field.

In the case illustrated in step 120, the electronic banking server (real name verification source server) of the bank A receives the deposit account number (real name verification source user transaction account ID) of the Hong Gil-dong in the deposit account deposit and withdrawal transaction DB B bank name is stored in the remitter field in the transaction DB according to the account (lower DB), the read out from the information received in the step 140 is stored in the reminder field, and the current time Time value 'may be an example of the operation of step 170.

The user terminal 300 is connected to the transaction search screen of the predetermined form of the blindness confirmation source server 100 in the known method at step 180 and the real name confirmation of the transaction DB 170 of the real name confirmation source server 100 Searches the lower DB matched with the source ID of the transaction source user account transaction ID, and stores the information stored in the 'short' field of the record whose value stored in the time value field is the latest value among the records in which the real name verification ID ID is stored in the transaction counterpart field in the lower DB Quot;

(User) accesses the electronic banking server (real name verification source server) of Bank A by using the user terminal 300, and the bank account number (real name verification source user transaction The account ID), selects the inquiry box to inquire the recent transaction details of the account, and extracting the details of the transaction details in which the transaction date and time of the transaction details in which the B bank name is the latest value among the transaction details listed in the remitter field, It can be a case of action.

At step 190, when the user terminal 300 maintains a connection to the user registration page at step 100 (or at step 100-10 in FIG. 8) after step 100 operation, Quot; extracted in step 180 ".

According to another aspect of the present invention, in which the 'access to the user registration page of the user terminal 300 is disconnected' before the step 190 is performed after the step 100 operation, in step 190, (300) is connected to the user registration page again, and then inputs the user name of the real name confirmation user and the 'no-name extracted in step 180' to the input unit (320).

In step 200, the transceiver 310 of the user terminal 300 matches the 'user name of the real name verification user ID' input in step 100 (or step 190) 'to the real name verification request server 200).

If the transmitter / receiver 210 receives the 'non-matching' with the user ID of the real name verification user transmitted from the user terminal 300 in the real name confirmation demand server 200 in step 340, the 'real name verification DB 265' The matching number is matched to the user name of the real name verification demand user included in at least one of the received information and the information received at step 110 (or step 110-10 in FIG. 8), and the calculation unit 250 '(&Quot; non-judgment ") whether they match with each other by comparing the outbound sentences from the server 300 with the outbound sentences extracted from the real name verification DB 265.

If the non-judgment is positive, the following step 350 is executed.

The real name verification source ID, the real name verification demand source login password, the name, the real name ID, and the real name confirmation source user transaction account ID 'matched to the' real name verification user ID 'in step 340 are stored in the real name verification DB 265 And the extracted information is stored in the user DB 280 so as to match the user ID of the real name verification demanding user.

FIG. 3 is a flowchart illustrating an operation of a non-face-to-face blindness checking method according to an embodiment of the present invention (" the second embodiment ") for upgrading a blindness verification source server so that a user can access a blindness- Fig.

In step 50-1, the user connects the user terminal 300 to the real name confirmation application page of the predetermined format of the real name verification source server 100 in a known manner, (User name and source name) of the supplier, transaction customer account ID and real name ID of the supplier, 'and' information to select the box showing the name of the real name verification client ' Specific name confirmation demand source ID) " and " information for selecting a predetermined name confirmation request box ".

The real name confirmation source is the bank A, and the real account name of the real name verification source is the account number corresponding to the specific deposit account of Hong Gil-dong (user) opened at the bank A and the real name verification requester is the bank B, The user accesses the homepage of the A bank server (the real name verification source server) by using the user terminal 300 and registers his / her ID (real name verification source ID) and the login password ), Accesses the real name verification application page by selecting the real name verification application box on the homepage, selects the real number verification target account number input field formed on the page, and outputs a specific account number (for example, A real name confirmation source user transaction account ID), selects a use name of a real name verification target box to be configured on the page, A box in which the logo of the B bank (the name of the real name confirmation demanding party) is displayed in a state in which a plurality of boxes in which the payment IDs are indicated one by one is outputted, the real name confirmation request box configured on the page is selected, Submitting the certificate value (the other one of the identity information) may be a case of step 50-1 operation.

According to a further aspect of the present invention, the authentication information may be a login password of a real name verification source.

According to another additional aspect of the present invention, the authentication information may be an OTP generated by an OTP generator of a user registered in a real name verification source server.

According to a still further aspect of the present invention, the authentication information includes the 'WYH' retrieved from the WYH memory and the 'WYH' retrieved from the 'user authentication information calculation function' retrieved from the 'function memory 376' May be the identity information calculated by substituting the 'real name verification source password'.

According to another additional aspect of the present invention, the authentication information includes the shared variable calculated in the predetermined shared variable calculation function retrieved from the function memory 376 and the WYH retrieved from the WYH memory 373, May be an OTP (One Time Password) calculated by substituting it into a predetermined authentication information calculating function 'retrieved from the function memory 376'.

According to another additional aspect of the above aspect, the authentication information calculating function of the personal authentication information includes a shared variable calculated in the 'predetermined shared variable calculating function retrieved in the function memory 376' and a shared variable calculated in the 'WYH' Can be the one-time-use personal identification information calculated by substituting the real-name confirmation supply source login password 'input to the input unit 320'.

According to another additional aspect of the present invention, step 50-1 includes the steps of inputting 'information for selecting a blindness check application activation' to the input unit 320 at the user terminal 300; Outputting a predetermined master password input field to the output unit 330; A step of inputting a predetermined master password by matching the 'master password input field selection information' to the input unit 320; The encrypted WYH and the corresponding one or more of the encrypted real name verification source passwords are retrieved from at least one of the WYH memory 373 and the password memory 374; The function memory 376 searches for a predetermined decryption function, a principal authentication information calculation function, and a shared variable calculation function; The shared variable calculating function calculating a predetermined shared variable; Decrypting the decrypted function using the decrypted key by inputting the encrypted WYH and the corresponding one or more of the encrypted real name verification source passwords together with the master password to the decryption function; And the decrypted 'WYH and at least one of the real name verification source password' and the calculated shared variable are input to the identity authentication information calculation function to calculate identity authentication information; . ≪ / RTI >

In step 60-1, the transmitter / receiver 310 of the user terminal 300 transmits the 'information input in step 50-1' to the real name verification source server 100.

In step 70-1, the transmission / reception unit 110 of the real name verification source server 100 receives at least one of the real name verification source ID, the real name verification source user transaction account ID, and the real name ID transmitted from the user terminal 300, (Or a specific name verification user ID) and a user name confirmation confirmation box selection information 'from the user DB 180, the user DB 180 receives the user name verification information, the user name verification user ID box selection information One or more of the WYH and the login password matched with the ID and the real name verification source user transaction account ID and the real name ID 'are extracted and the operation unit 150 uses the' WYH and one or more of the login password ' And determines whether the personal authentication information is matched with the received personal authentication information by comparing the calculated personal authentication information with the received personal authentication information (" determination of personal authentication information ").

According to an additional aspect of the present invention, the authentication information calculated using the 'WYH and at least one of the login passwords' may be 'at least one of the WYH and the login password'.

According to another additional aspect of the present invention, the authentication information calculated using the 'WYH and at least one of the login passwords' may be shared by a predetermined shared variable calculation function retrieved from the function storage unit 160 Variable and an OTP (One Time Password) calculated by substituting the WYH into a predetermined authentication information calculating function retrieved from the function storage unit 160. [

According to another additional aspect of the present invention, the authentication information calculated using the 'WYH and at least one of the login passwords' may be transmitted to the 'authentication authentication function calculating function' It may be the authentication information obtained by substituting both the 'WYH and the login password'.

According to a further additional aspect of the above aspect, the authentication information calculating function of the personal authentication apparatus according to the present invention is characterized in that both the shared variable calculated by the predetermined shared variable calculation function searched in the function storage unit 160 and the 'WYH and the login password' And may be the disposable identification information calculated by substitution.

According to another additional aspect of the present invention, the shared variable calculating function is matched with the shared variable calculating function stored in the function memory 376 of the real name verification application 370 of the user terminal 300 . According to another additional aspect of the present invention, the shared variable calculation function calculates the time value calculated in the timer (not shown) configured in the real name verification source server 100 as a shared variable.

According to still another aspect of the present invention, the step 70-1 includes the steps of: calculating a public certificate value matched with the user ID of the real name verification source of the real name verification using a known method; And the OTP that has been transmitted to the 'connection address matched with the user ID of the real name verification source in the user DB 180' by a known method; ≪ / RTI >

If the determination in step 70-1 is affirmative, the step 80-1 is performed.

In step 80-1, the real name verification source server 100 searches the user DB 180 for a transaction account matching the 'received real name verification source ID, real name verification source user transaction account ID and real name ID' IDs are extracted, and the operation unit 150 judges whether one of the extracted transaction account IDs coincides with the 'real name verification source user transaction account ID received in step 70-1'(" transaction account determination ").

In the case illustrated in step 50-1, the electronic banking user's DB (user DB) of the bank A matches the electronic banking account deposit matching the 'A bank electronic financial server login ID (real name verification source user ID) of Hong Gil- It may be an example of the operation of step 80-1 to determine whether the account numbers are extracted and match the 'deposit account number read out from the information received in step 70-1' among the deposit account numbers.

If the transaction account determination is affirmative, step 90-1 is operated.

According to another aspect of the present invention, if the authentication information determination in step 70-1 is affirmative, step 90-1 may be operated without the operation of step 80-1.

In step 90-1, the usage-name DB 190 stores "matching with the real-name confirmation demand ID received in step 70-1 (or the real-name confirmation demand ID matched to the real-name confirmation demand ID box selection information received in step 70-1) And at least one of a name and a real name ID matched with 'at least one of the user name of the real name verification source user ID and the real name verification source user account ID and the real name ID' is extracted from the user DB 180 And the transmission / reception unit 110 matches the blindness confirmation source ID and the extracted 'name' and the real name ID, matching 'one or more of the received real name verification source user ID, real name verification source user transaction account ID and real name ID' One or more 'to the real name confirmation demand server 200 corresponding to the extracted use address access address.

In step 110-1, the transmission / reception unit 210 of the real-name confirmation demand server 200 transmits the real-name confirmation supply source ID, the real-name confirmation supply source user ID, the real- The transaction ID generation unit 255 generates a predetermined blind date confirmation transaction ID, and the non-production number generation unit 256 generates a predetermined blind date identification transaction ID, And the real name verification transaction ID is matched with the real name verification transaction ID in the real name confirmation DB 265, and the 'real name verification source ID', the real name verification source user account ID, and the real name ID , At least one of the name and the real name ID 'and the above-mentioned number are stored.

An additional aspect in step 110 of FIG. 2 is also possible in step 110-1.

Step 120 in Fig. 2 is operated.

In step 170-1, the transmission / reception unit 110 of the blind date confirmation source server 100 transmits the blind date confirmation demand ID specified by the transaction applicant ID, which is transmitted from the blind date confirmation server 200 in step 120, In the transaction DB 170, in the lower DB matched with the received 'real name verification source user transaction account ID', the transaction name of the real name verification source user transaction account ID, The real name confirmation demand ID is stored in the counterpart field, 'the received outbound' is stored in the matched briefs field, and the 'current time value calculated by the timer (not shown)' is stored in the time value field.

Step 180 in FIG. 2 is actuated.

In step 190-1, the user connects the user terminal 300 to the user registration page of the predetermined form of the real name verification demand server 200 in a known manner, , The real name verification demand log-in password, the name, the real name verification source ID, the real name verification source user transaction account ID and the real name ID, and the non-number retrieved in step 180 are input.

In step 200-1, the transmitting / receiving unit 310 of the user terminal 300 transmits the 'information input in step 190-1' to the user name confirmation client server 200. [

In step 340-1, the transmitter / receiver 210 in the real name confirmation demand server 200 transmits the real name confirmation user ID, the real name confirmation demander login password, the name and the user name, which are transmitted from the user terminal 300 in step 200-1, , The real name confirmation DB 265 receives from the real name confirmation DB 265 'one or more of the real name verification source ID, real name verification source user transaction account ID and real name ID, One or more of the name and the real name ID 'matched to at least one of the transaction account ID and the real name ID' is retrieved, and the operation unit 250 searches the 'real name verification DB 265'("Non-judgment") in the presence of the name and the real name ID, and judges whether or not one of the name and the real name ID has been received by the corresponding one of the name and the real name ID retrieved from the real name confirmation DB 265 (Or " abnormal " or " abnormal " And ").

If both the non-judgment and the blindness are positive, the following step 350-1 is performed.

In step 350-1, in the user DB 280, the real-name confirmation source user transaction account ID received in step 340-1 (or retrieved from the real name confirmation DB 265 in step 340-1) One or more 'and' the user name of the user name verification real user and the login password for the real name verification user ', which are received in step 340-1, are matched and stored.

4 shows an operation of the non-face-based blindness checking method according to the embodiment (" the third embodiment ") of upgrading the blindness verification source server so that the user can access the blind date confirmation demand server and complete the blindness confirmation application Fig.

In step 100-2, the user connects the user terminal 300 to the user registration page of the predetermined form of the user's real name verification server 200 in a known manner, and inputs the user's real name verification demander user 200 to the input unit 320 of the user terminal 300 Confirm the ID and the real name Confirm the user's login password and his / her name, 'one or more of the real name verification source user ID and real name verification source user transaction account ID and real name ID', the real name confirmation source ID box selection information (or the real name verification source ID) When one or more pieces of authentication information is input, the transceiver unit 310 transmits the input information to the blind date confirmation server 200.

Additional aspects of entering authentication information in step 50-1 of FIG. 3 are also possible in step 100-2.

In step 110-2, the transmitter / receiver 210 of the real name verification demand server 200 transmits the real name verification user ID, the real name confirmation demander login password, the name and the user name, which are transmitted from the user terminal 300 in step 100-2, , The real name verification source ID box selection information (or the real name verification source ID), and one or more personal identification information ', at least one of the real name verification source ID, the real name verification source user transaction account ID and the real name ID, The generating unit 255 generates a predetermined blind date confirmation transaction ID and transmits the received blind date confirmation source ID to the blind name confirmation DB 265 by matching the received blind date confirmation source ID with the received blind date confirmation source ID And the name of the real name verification destination user ID, the real name verification source user account ID and the real name ID of the real name verification user ID, 'And the real name The ingeo future ID is stored.

According to an additional aspect of the present invention, the real name verification transaction ID may be one of a real name verification demand user ID and a one time password (OTP) generated by the transaction ID generation unit 255.

In step 120-2, the user name DB 290 of the user name confirmation server 200 of the user's name verifying server 200 compares the user's name with the user's real name verification source ID received in step 110-2 The real-name confirmation source server connection address matched with the real-name confirmation source ID) 'is extracted, and the transceiver unit 210 extracts the real-name confirmation demand source ID, the real-name confirmation transaction ID generated in step 110-2, One or more of the name, the real name verification source ID, the real name verification source user transaction account ID, and the real name ID of the received real name, and the one or more identification information of the real name verification source server 100 ).

According to an additional aspect of the present invention, in step 120-2, the transmitting / receiving unit 210 may further include the real-name confirmation requesting server connection address.

In step 270-2, the transmitter / receiver 110 in the real name verification source server 100 transmits the real name verification demand source transmitted from the real name confirmation demander server 200 in step 120-2 (or step 120-13 in FIG. 10) User authentication information 'received from the user DB 180, at least one of the ID, the real name confirmation transaction ID, the name, the real name confirmation source ID, the real name confirmation source user transaction account ID, and the real name ID, Confirm the name of the user and the real name of the supplier. Confirm the real name of the supplier. At least one of 'WYH and login password' matched to 'at least one of the user transaction account ID and real name ID' and 'at least one of the name, real name ID and transaction account ID' And the operation unit 150 calculates the identity information using the 'WYH and at least one of the login passwords' and compares the calculated identity information with the 'received identity verification information' Authentication information determination ").

Additional aspects related to the identity authentication information calculated using the 'WYH and at least one of the login password' in step 70-1 of FIG. 3 are also possible in step 270-2.

If the determination of the authentication information in step 270-2 is affirmative, the following step 320-2 is performed.

At step 320-2, the operation unit 150 reads 'at least one of the name and the real name ID' received at step 270-2 from the corresponding one of the name and the real name ID retrieved from the user DB 180 at step 270-2 (&Quot; judgment of blindness ").

If the real name determination is positive, the following step 330-2 is operated; otherwise, the following step 330-3 is performed.

In step 330-2, the real-name confirmation demand server connection address matched with the real-name confirmation demand ID received in step 270-2 is extracted from the use-destination DB 190, and the transmission / reception unit 110 transmits the real- Matching code "matched to the received real name confirmation transaction ID 'to the real name confirmation demand server 200 corresponding to the real name confirmation demand server access address.

According to an additional aspect of the present invention, step 330-2 includes the steps of extracting transaction account IDs matched to 'user name of real name verification source ID read from information received at step 270-2' in user DB 180; The operation unit 150 judges whether one of the extracted transaction account IDs coincides with 'the real name verification source user transaction account ID read out from the information received in step 270-2'; And if the determination is affirmative, transmitting / receiving unit 110 transmits a matching code matched with the 'real name verification transaction ID' read from the information received in step 270-2 to the real name verification request server access address; . ≪ / RTI >

In step 330-3, the user name DB 190 extracts the real name confirmation requesting server connection address matched with the user's real name verification request ID read from the information received in step 270-2, and the transmission / Inconsistency code "matched with the blindness confirmation transaction ID 'received at step 270-2 to the real name confirmation demand server connection address.

According to another aspect of the present invention, the real-name confirmation request server connection address in step 330-2 (or step 330-3) may be read in the 'information received in step 270-2'.

In step 340-2, the transmission / reception unit 210 of the real name confirmation demand server 200 transmits the real name confirmation transaction ID to the real name confirmation transaction ID transmitted from the real name confirmation source server 100 in step 330-2 (or step 330-3) , One of the matching code and the inconsistency code is read out, and one of the matching code and the inconsistency code is read out from the information.

When the matching code is read in step 340-2, the lower step 350-2 is operated.

In step 350-2, the real name verification DB 265 receives the user name of the real name verification user, the real name verification user login password, the name, the real name verification source user ID, One or more of the ID, the real name verification source user transaction account ID, and the real name ID 'are extracted, and the extracted information is stored in the user DB 280 so as to be matched with each other.

5 is a flowchart illustrating an example of a fourth embodiment of the present invention (FIG. 5) in which a user accesses a user's real name verification requesting server to apply for a real name verification, and the user's authentication information is directly submitted to a real name verification source server FIG. 6 is a flowchart showing the operation of the non-face-to-face blindness checking method;

In step 100-4, the user connects the user terminal 300 to the user registration page of the predetermined form of the user's real name verification server 200 in a known manner, and inputs the user's real name verification demander user 200 to the input unit 320 of the user terminal 300 ID and the real name verification user's login password, his / her name, 'one or more of the real name confirmation source ID, real name verification user transaction account ID and real name ID' and the real name confirmation source ID box selection information, the transmission / And transmits the input information to the blind date confirmation demand server 200.

In step 110-4, the transmitter / receiver 210 in the user's name verifying server 200 searches for a user's real name verification user ID, a real name verification user's login password, , The real-name confirmation supply source ID box selection information ', at least one of the real-name confirmation supply source user ID, the real-name confirmation source supplier transaction account ID and the real-name ID, and the transaction ID generation unit 255 generates a predetermined real- (Or the real name confirmation supply source ID matched with the received real name confirmation supply source ID box selection information) in the real name confirmation DB 265 by matching with the received real name verification user ID ' And at least one of the received real name verification request destination login password, the name, the real name verification source user ID, the real name confirmation source user transaction account ID and the real name ID, and the real name verification transaction ID.

An additional aspect of step 110-2 of Fig. 4 is also possible in step 110-4.

In step 120-4, the use-name DB server 290 of the real-name confirmation-demanding server 200 compares 'the real-name confirmation supply source ID received in step 110-4' (or the real-name confirmation supply source ID box selection information received in step 110-4) The real name verification source server connection address matched with the real name verification source ID of the real name verification source ID) and the real name verification source ID of the real name verification source server 100 corresponding to the real name verification source server connection address, The redirection unit 245 redirects the connection of the user terminal 300 to the real name verification source server 100 matched with the real name verification source ID.

According to an additional aspect of the present invention, in step 120-4, the transmitting / receiving unit 210 may further include the real-name confirmation requesting server connection address.

In step 210-4, the transmitting / receiving unit 110 of the real name verification source server 100 transmits the real name verification demand source transmitted from the real name confirmation demander server 200 in step 120-4 (or step 120-14 in FIG. 11) Receiving unit 110 receives the ID and the real name confirmation transaction ID and redirects the connection to the user terminal 300 from the real name confirmation demand server 200. The transmission / (Hereinafter referred to as " personal identification information ") including a confirmation transaction ID, a predetermined user ID field, a transaction account ID field and a real name ID field, Quot; first real name confirmation application screen ") to the user terminal 300. [

In step 220-4, when the transmitter / receiver 310 receives the 'information transmitted in step 210-4' in the user terminal 300, the first real-name confirmation application screen is output to the output unit 330.

In step 230-4, the user matches 'at least one of the user ID field selection information, the transaction account ID field selection information, and the real name ID field selection information' to the input unit 320 of the user terminal 300, And the corresponding one or more of the real name verification source ID, the real account name, and the real name ID, and inputs the corresponding identity verification information and the real name verification request confirmation box selection information.

Additional aspects of entering authentication information in step 50-1 of FIG. 3 are also possible in step 230-4.

In step 240-4, the transceiver 310 transmits 'the blind date confirmation user ID, the blind name confirmation transaction ID', and the 'information input in step 230-4' received in step 220-4 to the blind date confirmation source server 100, Lt; / RTI >

In step 270-4, the transmitter / receiver 110 in the real name verification source server 100 transmits (transmits) the user terminal 300 from the user terminal 300 in step 240-4 (or in step 240-5 or 240-6 ' A user's real name confirmation transaction ID, a real name confirmation source ID, a real name confirmation source user transaction account ID and a real name ID, one or more personal identification information, and a name confirmation confirmation box selection information ' The user DB 180 checks whether or not 'WYH and the login password at least one of' the real name verification source ID, the real name verification source user transaction account ID, and the real name ID ' Source user transaction account ID 'and the real name ID are retrieved, and the operation unit 150 calculates the personal authentication information using the' WYH and one or more of the login password ', and transmits the calculated personal authentication information to the' In contrast to the "one-person authentication information" It is determined (hereinafter referred to as the "determined identity authentication information") that referred to.

Additional aspects related to the identity authentication information calculated using the 'WYH and the login password' in step 70-1 of FIG. 3 are also possible in step 270-4.

If the authentication information determination in step 270-4 is affirmative, the following step 330-4 is performed.

In step 330-4, the real name confirmation requesting server connection address matched with the 'real name confirmation requesting customer ID received in step 270-4' is extracted from the use DB 190, and the transmitting / receiving unit 110 transmits' , At least one of the name, the name of the real name verification source user transaction account ID, and the real name ID retrieved at step 270-4 matched with the received real name confirmation transaction ID 'to the real name confirmation requesting server 200).

According to an additional aspect of the present invention, the step 330-4 includes the steps of extracting transaction account IDs matched to the 'user's real name verification source ID read from the information received at step 270-4' in the user DB 180; And the operation unit 150 judges whether one of the extracted transaction account IDs coincides with 'the real name verification source user transaction account ID read out from the information received in step 270-4'. . ≪ / RTI >

According to another aspect of the present invention, the real-name confirmation demand server access address may be read in the 'information received in step 270-4'.

In step 350-4, the transmitter / receiver 210 of the real name confirmation demand server 200 transmits the real name confirmation transaction ID transmitted from the real name confirmation source server 100 in step 330-4, the real name confirmation transaction ID, The real name verification user ID and the real name verification user ID password matched to the received real name verification transaction ID are extracted from the real name verification DB 265 and the user DB 280 ), At least one of the received name, the real name verification source user account ID and the real name ID is stored in correspondence with the real name verification demand user ID and the real name verification demand password.

According to an additional aspect of the present invention, in step 350-4, at least one of the name, the name of the real name verification source user transaction account ID, and the real name ID matched with the received real name verification transaction ID '≪ / RTI > If the operation unit 265 receives at least one of the extracted 'name, real name verification source user transaction account ID and real name ID' and 'corresponding one or more of the received name, real name verification source user transaction account ID and real name ID' Judging whether or not they match; And if the determination is affirmative, the blind date confirmation user ID and the blind date confirmation user login password matched with the blind name confirmation transaction ID read from the received information are extracted in the blindness confirmation DB 265, Storing at least one of a name and a real name verification source user transaction account ID and a real name ID read from the received information in correspondence with the real name verification demand user ID and the real name verification demand password, . ≪ / RTI >

FIG. 6 is a flowchart illustrating an example of a method for providing a name verification service according to an embodiment of the present invention ("fifth embodiment") in which a user provides necessary information to both a real name verification request source server and a real name verification source server, FIG. 6 is a flowchart showing the operation of the face-to-face name verification method;

Steps 100-4 to 110-4 in Fig. 5 are operated.

In step 120-5, the transmitter / receiver 210 in the real name confirmation demand server 200 transmits the 'real name confirmation demander ID' and the 'real name confirmation transaction ID' generated in step 110-4 'as a response to' reception in step 110-4 ' To the user terminal (300).

An additional aspect of step 120-4 of FIG. 4 is also possible in step 120-5.

In step 210-5, when the transmitter / receiver 310 receives the 'information transmitted in step 120-5 (or step 120-14 in FIG. 12)' in the user terminal 300, Quot; real name verification customer ID and real name confirmation transaction ID "

According to an additional aspect of the present invention, the output unit 330 may further output the 'real name verification request server connection address' read from the information.

When the user connects the user terminal 300 to the real name confirmation application page in the predetermined format of the real name verification source server 100 in a known manner at step 220-5, the real name verification source ID 100 And at least one of a user ID field, a transaction account ID field, and a real name ID field, one or more predetermined authentication information input fields, at least one of a real name verification request transaction input field, (Hereinafter referred to as " second real name verification application screen ") is received, and the second real name confirmation application screen is output to the output unit 330. [

In step 230-5, the input unit 320 of the user terminal 300 inputs' the blind date confirmation user ID 'output in step 210-5 matched with the blind date confirmation user ID input field selection information and the' The real name confirmation transaction ID 'output at step 210-5, which matches the' real name confirmation transaction ID field selection information ', and' One or more of a real name ID matching with the user ID field selection information and a matching real name source ID of the supply source, a real name matching with the transaction account ID field selection information and a real name ID matched with the real name ID field selection information, , Corresponding authentication information matched with information for selecting one or more predetermined authentication information input fields, and a predetermined type-of-blindness confirmation box selection information.

Additional aspects of entering authentication information in step 50-1 of FIG. 3 are also possible in step 230-5.

In step 240-5, the transmission / reception unit 310 transmits the 'information input in step 230-5' to the real name verification source server 100.

According to another aspect of the present invention, steps 120-6 to 240-6 are performed in place of steps 120-5 to 240-5.

In step 120-6, the transmitter / receiver 210 in the real-name confirmation demand server 200 transmits a 'real name confirmation demand ID' and a real name confirmation transaction ID generated in step 110-4 as a response to 'receipt in step 110-4' To the user terminal 300.

An additional aspect in step 120-4 of FIG. 4 is also possible in step 120-6.

According to an additional aspect of the present invention, in step 120-6, the sending / receiving unit 210 may transmit a predetermined blindness check application start code.

In step 210-6, the transmitter / receiver 310 in the user terminal 300 transmits the real-name confirmation demand ID, which is transmitted from the real-name confirmation demand server 200 in step 120-6 (or step 120-14 in FIG. 12) Receives at least one of the real name confirmation transaction ID and the real name confirmation application start code, activates the real name confirmation application 370, and outputs a predetermined master password input field to the output unit 330.

According to an additional aspect of the present invention, when the transmitter / receiver 310 receives the 'information including the blindness check application launch code transmitted in step 120-6', the blindness confirmation application 370 is automatically activated,

According to an additional aspect of the present invention, at step 210-6, the output unit 330 may further output a blindness verification source user transaction account ID input field.

In step 220-6, the user inputs a predetermined master password to the input unit 320 of the user terminal 300, matching the master password input field selection information.

According to an additional aspect associated with an additional aspect in step 210-6, in step 220-6, the input unit 320 is matched with the blindness verification source user transaction account ID input field selection information to input a predetermined blind date confirmation source user transaction account ID Can be input.

In step 230-6, the user ID of the real name confirmation destination is retrieved from the user ID memory 372 of the real name verification application 370, and one of the WYH memory 373, the password memory 374 and the real name ID memory (not shown) The encrypted WYH, the encrypted real name login source login password, and the encrypted real name ID 'are retrieved. In the function memory 376, a predetermined decryption function, a principal authentication information calculation function, and a shared variable calculation Function is searched, the shared variable calculating function calculates a predetermined shared variable, and the 'encrypted WYH, the encrypted real name verification source password and the corresponding one or more of the encrypted real name ID' are separately stored in the decryption function separately The master password is decrypted with the master password as the decryption key, and at least one of the decrypted 'WYH and the real name verification source password' The calculated shared variable is inputted to the personal authentication information calculating function to calculate the personal authentication information, and the connection address (the " real name verification request screen " Real name verification application access address ") is searched.

According to an additional aspect of the present invention, the step of inputting 'WYH, one or more corresponding to the real name verification source password and the real name ID' is input to the input unit 320 before the step 230-6. Retrieving a predetermined encryption function from the function memory 376; The WYH and the corresponding one or more of the login password and the real name ID of the real name verification source are input to the encryption function together with the master password to encrypt the master password as an encryption key; And a corresponding one of the encrypted WYH, the encrypted real name verification source password and the encrypted real name ID in the 'WYH memory 373, the password memory 374 and the corresponding one or more of the real name memory (not shown) Is stored; .

According to another additional aspect of the present invention, the shared variable calculation function is matched with the shared variable calculation function stored in the function storage unit 160 of the real name verification source server 100. [

According to a further aspect of the present invention, the shared variable calculating function may calculate the time value calculated by a timer (not shown) as a shared variable.

According to another aspect of the present invention, in step 230-6, the principal authentication information calculation function may calculate the decrypted real name verification source password as the principal authentication information.

According to another aspect of the present invention, in step 230-6, the authentication information calculation function of the personal authentication information may be calculated as' authentication information for authentication of fusion 'calculated by substituting the login password of WYH and the login name of the real name verification source'.

In step 240-6, the transmitting / receiving unit 310 of the user terminal 300 transmits the 'real name verification user ID and real name confirmation transaction ID' received in step 210-6 and the 'real name verification source user ID' And the personal authentication information calculated in the step 230-6 to the real name verification source server 100 corresponding to the real name verification application access address retrieved in step 230-6.

According to a further aspect of the present invention, the transceiver unit 310 transmits the 'real name verification request source server access address read from the information received at step 210-6' and the real name verification source user transaction account ID May further include one or more of the following.

According to another aspect of the present invention, in place of the 'real name verification source user ID' retrieved in step 230-6 ', the' real name verification source user account ID entered in step 220-6 'and the' real name ID 'retrieved in step 230-6 'May be transmitted.

Steps 270-4 to 350-4 in Fig. 5 are operated.

7 is a flowchart illustrating an example of a non-face-to-face blindness check according to an embodiment (" sixth embodiment ") of the present invention in which a user accesses a blind date demand server and completes a blind date confirmation application, Fig.

In step 100-7, the user connects the user terminal 300 to the user registration page of the predetermined form of the user's real name verification server 200 in a known manner, and inputs the user's real name verification demander user 200 to the input unit 320 of the user terminal 300 When the user inputs the ID, the user name login confirmation password, and the 'information for selecting a user name confirmation confirmation box', the transmission / reception unit 310 transmits the input information to the user name confirmation server 200.

In step 110-7, the transmitter / receiver 210 in the user's name verifying server 200 transmits the user's real name verification user ID, the user's real name verification request password, and the real name verification request box, which are transmitted from the user terminal 300 in step 100-7. , The transaction ID generating unit 255 generates a predetermined real name verification transaction ID and transmits to the real name verification DB 265 a message indicating that the real name verification user ID and the real name verification demanding party login password And the real name confirmation transaction ID is stored by matching.

In step 120-7, the transmission / reception unit 210 of the real name confirmation demand server 200 transmits the real name verification demand ID and the real name confirmation transaction ID generated in step 110-7 to the real name confirmation relay server 400, (245) redirects the connection of the user terminal (300) to the real name verification relay server (400).

In step 210-7, the transceiver 410 of the real name confirmation relay server 400 receives the real name verification ID and real name confirmation transaction ID transmitted from the real name confirmation demand server 200 in step 120-7, Upon receiving the redirection of 'connection with the user terminal 300' from the real name confirmation demand server 200, the user inputs the real name confirmation user ID, the real name confirmation transaction ID, the real name confirmation source ID and the real name verification source ID (Hereinafter referred to as a "third real name confirmation application screen") including at least one of a real name verification source URL of a user transaction account ID field and a real name ID field, at least one predetermined authentication information input field and a real name verification application confirmation box To the user terminal 300. The user terminal 300 transmits the information to the user terminal 300 via the network.

In step 220-7, when the transmitter / receiver 310 receives the 'information transmitted in step 210-7' in the user terminal 300, the third real-name confirmation application screen is output to the output unit 330.

In step 230-7, the user inputs the real name verification source ID matching with the real name verification source ID input field selection information in the input unit 320 of the user terminal 300, and inputs the real name verification source user ID field selection information and the real name verification source The user's transaction account ID input field selection information, and the real name ID input field selection information 'to input' one or more of the user's real name verification source ID, real name verification source user transaction account ID, and real name ID ' Matching authentication information field selection information of the user and inputs the corresponding authentication information, and inputs the user's name confirmation confirmation box selection information.

On the other hand, an additional aspect related to 'input authentication information' in step 50-1 of FIG. 3 is also possible in step 230-7.

According to another additional aspect of the present invention, step 230-7 includes the steps of inputting the blindness confirmation supply source ID input field selection information to the input unit 320; Outputting one or more boxes to the output unit (330) in which different names of the blindness confirmation source IDs are shown one by one; And " information for selecting one of the output boxes " are input to the input unit 320; . ≪ / RTI >

In step 240-7, the transceiver 310 transmits 'the blind date confirmation demand source ID, the blind date confirmation transaction ID', and the 'information input in step 230-7' received in step 220-7 to the blind date confirmation server 400 send.

In step 250-7, in the real name confirmation relay server 400, the transmission / reception unit 410 transmits the real name confirmation demand ID, the real name confirmation transaction ID, the real name confirmation supply ID And one or more of the real name verification source ID, the real name verification source ID, and the real name ID, and the real name verification request confirmation box selection information 'from the user ID database 490 The professional name creator 446 extracts the real name verification intermediary ID, the received real name verification demand ID, the real name confirmation transaction ID, and the real name verification ID, which are matched with the received real name verification source ID, , One or more of the user's real name verification source ID, the real name verification source user transaction account ID, and the real name ID, one or more personal identification information ', and predetermined blind date confirmation application information.

According to another aspect of the present invention, steps 100-7 through 250-7 may be replaced so that steps 100-2, 110-2, and 120-8 and 250-8 in FIG. 4 may be operated have.

In step 120-8, in the user name DB 290 in the user name confirmation server 200, the 'user's name' confirmation source ID received in step 110-2 (or the user's name " And the transceiver 210 extracts the real name verification source ID, the real name verification demand ID, the real name confirmation transaction ID generated in step 110-2, and the real name confirmation source ID To the real name confirmation relay server 400, at least one of the real name verification source ID, the real name verification source user transaction account ID, and the real name ID received at step 110-2.

An additional aspect in step 120-2 in FIG. 4 is also possible in step 120-8.

In step 250-8, the transmitter / receiver 410 of the real name confirmation relay server 400 transmits the real name verification source ID, the real name confirmation demand ID, and the real name confirmation ID, which are transmitted from the real name confirmation demand server 200 in step 120-8. And receives one or more of the transaction ID, the real name verification source ID, the real name verification source ID, and the real name ID of the real name verification server, The professional creation unit 446 extracts the matching real name verification source server connection address, and the professional creation unit 446 extracts the real name verification agent ID, the received real name verification demand ID, the real name confirmation transaction ID, the real name verification source ID, One or more of the user's transaction account ID and the real name ID, one or more personal identification information ', and a predetermined name confirmation application information.

The transceiver 410 of the blindness verifying server 400 in step 260-7 transmits the blindness confirmation application complete created in step 250-7 (or step 250-8) to step 250-7 (or step 250-8 To the real name verification source server 100 corresponding to the real name verification source server connection address extracted from the real name verification source server connection address.

In step 270-7, the transmission / reception unit 110 of the real name verification source server 100 transmits the real name verification source user ID and the real name verification source user transaction account ID, which are transmitted from the real name confirmation relay server 400 in step 260-7, , The user DB 180 reads 'the name of the real name verification source user ID, the name of the real name verification source user transaction account ID, and the name of the real name ID' At least one of the 'WYH and the login password matched' to 'above' and 'at least one of the name and the real name verification source user transaction account ID and the real name ID' are extracted and when the operation unit 150 receives at least one of the WYH and the login password (Hereinafter referred to as " personal authentication information determination ") by comparing the calculated authentication information with the authentication information read out in the received message.

Additional aspects related to the identity authentication information calculated using the 'WYH and the login password' in step 70-1 of FIG. 3 are also possible in step 270-7.

If the authentication information determination in step 270-7 is affirmative, step 280-7 is performed.

In step 280-7, the professional name creation unit (not shown) in the real name verification source server 100 matches the real name verification source ID and the 'real name confirmation transaction ID read from the dictionary received in step 270-7' 7 ", at least one of the name and the real name verification source user transaction account ID and the real name ID,

In step 290-7, the transceiver 110 transmits 'the full name verification completed in step 280-7' to the blindness confirmation relay server 400 as a response to the 'full name confirmation application received in step 270-7' .

In step 300-7, when the transmission / reception unit 410 of the real name verification server 400 receives the " full name verification " transmitted from the real name verification source server 100 in step 290-7, A real name confirmation relay server ID matching with the real name confirmation transaction ID read out in the specialization, and a predetermined real name identification including at least one of a name and a real name verification source user account ID and a real name ID, A relay entry is created, and the real name confirmation requesting party server connection address matched with the 'real name confirmation requesting party ID received in step 250-7' is extracted from the usage database 490.

In step 310-7, the transmission / reception unit 410 of the real name confirmation relay server 400 transmits the 'full name confirmation confirmation completed in step 300-7' to the 'full name confirmation client access address extracted in step 300-7' To the real name confirmation demand server 200.

In step 350-7, the transmission / reception unit 210 of the real-name confirmation demand server 200 transmits the real-name confirmation relay server ID matching the real-name confirmation transaction ID, transmitted from the real name confirmation relay server 400 in step 310-7, , A real name confirmation relaying message containing at least one of the name and the real name verification source user transaction account ID and the real name ID "is received from the real name confirmation DB 265, the real name verification DB 265 confirms the real name matching with the received real name confirmation transaction ID The user ID and the user's real name verification user name login password are extracted and stored in the user DB 280 in correspondence with the user name of the real name verification user and the login password of the real name verification user, ID < / RTI >

FIG. 8 is a flowchart showing the operation of the non-face-based blindness checking method according to the first embodiment ("Example 1-1") in which a blind date confirmation request is received after receipt of a transaction application.

In step 20-10, the transmitter / receiver 210 in the real-name confirmation demand server 200 designates the other-use-place ID as the counterparty-use-place ID and transmits "one or more of the other- One or more corresponding one of the account ID and the counterparty user ID ", and the predetermined transaction application information including the" one or more of the counterpart connection address and the real name user ID for confirming the real name of the counterparty " .

In the present invention, the term " other use destination " means a use place where the user registers his / her user ID, not the real name confirmation demand place, Hereinafter the same shall apply). Accordingly, the other user IDs are collectively referred to as the real name verification source ID and the third user ID, and the other user ID is the user ID of the real name verification source and the identification information of the user registered in the third user (hereinafter, (Hereinafter referred to as the "third usage user transaction account ID"), and the other user transaction account ID is a generic name of the real name verification source user transaction account ID and the transaction account ID of the user opened in the third usage source (hereinafter referred to as "third usage user transaction account ID").

B bank's electronic financial server (real name verification demand server) is C bank account (ID of other user account) of Hong Kil-dong opened in 'C bank (other use ID) transferred from D bank which is foreign bank of bank B, USD100 And receiving the 'mobile phone number (transaction counterpart access address)' of Hong Gi-dong may be an example of the operation in step 20-10.

In step 30-10, in the user DB 280, 'at least one of the other-use-user transaction account ID and the other-used-user ID and the real-name confirmation user ID of the trading partner included in the transaction application information received at the step 20-10' Is retrieved.

If the real name ID is not found in step 30-10, step 40-10 is operated.

If, in the example illustrated in step 20-10, Hong Kil-dong has not completed the process of confirming the real name verification at bank B (the user's real name confirmation demanding place), the foreign banking relay customer DB (user DB) (User ID) 'or' C bank electronic financial server login ID (other user ID) of Hong Kil-dong 'or' B bank electronic financial server login ID of Hong Kil-dong ' The resident registration number (real name ID) matched with the registration number will not be stored, and step 40-10 will be operated.

In step 40-10, the transaction ID generation unit 255 generates a predetermined real name verification transaction ID in the real name confirmation demand server 200, matches the real name verification transaction ID to the waiting transaction DB 275, One or more of the counterparty user ID, the counterpart account ID and the counterparty user ID, and at least one of the counterpart connection address and the real name confirmation demanding party user ID received at -10 and the transaction target point ' The transmission / reception unit 210 transmits the real name confirmation transaction ID, the predetermined transaction application reception information, and the real name confirmation request information (or the user name, the user name, and the like) And the transaction subject matter.

In step 100-10, the user connects the user terminal 300 to the user registration page of the predetermined form of the user's real name verification server 200 in a known manner, and inputs the user's real name verification request to the input section 320 of the user terminal 300 Information for selecting a user's real name verification transaction ID ', a user's real name verification user ID, a user's real name verification user login password, a user's own name, a real name ID, and a box indicating' When the transaction account ID is input, the transmission / reception unit 310 transmits the input information to the blind date confirmation demand server 200.

An aspect different from the one aspect in step 100 of FIG. 2 is also possible in step 100-10.

In step 110-10, the transmitter / receiver 210 of the real-name confirmation demand server 200 transmits a real-name confirmation transaction ID, a real-name confirmation user ID, and a real-name confirmation user ID, which are transmitted from the user terminal 300 in step 100-10. A real name verification source ID box selection information, and a real name verification source user transaction account ID ', the specific number is generated by the non-generation unit 256, and the real name verification DB (Or the real name verification source ID matched to the received real name verification source ID box selection information) matching the received real name verification user ID 'and' the received real name verification source ID ' , The name of the real name, the login password, the name, the real name, the real name, the source user transaction account ID, and the real name confirmation transaction ID '.

Steps 120 to 350 in FIG. 2 are operated.

In step 360-10, in the real name confirmation demand server 200, the real name confirmation DB 265 performs step 340 (or step 110-10, or step 340-1 in FIG. 3, or step 350-7 in FIG. 7) The real name confirmation transaction ID matching the real name verification user ID 'transmitted from the user terminal 300 is extracted from the user terminal 300 and the' real name confirmation transaction ID 'matching the' extracted real name confirmation transaction ID ' ID and at least one of a transaction counterpart account ID and a counterparty user ID and at least one of a counterpart connection address and a real name confirmation demanding party user ID and an application target point of interest are extracted, The usage destination access address matched with the trading partner use ID is retrieved from the usage DB 290, and the transmission / reception unit 210 stores the usage partner access address as one of the transaction partner account ID and the transaction partner user ID And transmits the application target point '.

A bank is the name of the real name confirmation source, the bank B is the real name confirmation demand customer, the C bank is the other use account, and the transaction point is 'C bank account' In the case of remittance, in the unaccrued foreign overseas dispatch DB (waiting transaction DB) of the bank B, the 'remittance' matched to the real name confirmation transaction ID read from the information received from the A bank server (real name verification source server) The C bank number as the receiving bank name, the C account number as the receiving account number, the telephone number of Hong Gil-dong as the payee name, the telephone number of Hong Gil-dong as the payee's address, and USD100 as the deposit amount are extracted and extracted from the overseas R / And the server B of the bank B confirms the C account number as the account number to be transferred and USD100 (or the Korean currency converted into USD100) as the deposit amount to the server of the C bank (other used server) I'm It may be a case of one step 360-12 behavior.

According to an additional aspect of the present invention, when receiving the 'information transmitted in step 360-10' in the other use server (not shown) corresponding to the trading partner user ID after step 360-10, A transaction is generated according to the 'transaction point read from the transmitted information' in the transaction account corresponding to the transaction counterpart account ID read out from the transaction counterpart '.

In the above example, the C bank's server (another used server) receives the information transmitted from the B bank's server (real name verification demand server) and adds the balance matched to the C account number in the deposit DB by USD100 May be an example of this additional aspect.

Fig. 9 is a flowchart showing the operation of the non-face blindness verification method according to the second embodiment (hereinafter referred to as " Example 2-1 "

Steps 20-10 to 40-10 in Fig. 8 are operated.

Steps 50-1 to 90-1 in Fig. 3 are operated.

When the transmitter / receiver 210 receives information transmitted from the real name verification source server 100 at step 90-1 in the real name confirmation demand server 200 at step 110-12, The real name confirmation transaction ID matching the received real name verification source user transaction account ID is retrieved from the waiting transaction DB 275 and the real name confirmation transaction ID is matched with the real name confirmation transaction ID in the real name confirmation DB 265, At least one of the user name of the real name confirmation source ID, the name of the real name verification source user transaction account ID and the real name ID, and at least one of the name and the real name ID.

Steps 120 to 350-1 in Fig. 3 are operated.

Step 360-10 in Fig. 8 is operated.

FIG. 10 is a flowchart showing the operation of the non-face-based blindness checking method according to the third embodiment ("Example 3-1") in which a blind date confirmation request is received after receipt of a transaction application.

Steps 20-10 to 40-10 in Fig. 8 are operated.

In step 100-13, the user connects the user terminal 300 to the user registration page of the predetermined form of the user's real name verification server 200 in a known manner, and inputs the user's real name verification request to the input section 320 of the user terminal 300 A real name verification user ID, a real name verification user ID, a real name verification ID, a real name verification ID, and a real name verification ID And the user authentication information, the transmission / reception unit 310 transmits the input information to the blind date confirmation demand server 200. In the present embodiment,

Additional aspects of entering authentication information in step 50-1 of FIG. 3 are also possible in steps 100-13.

In step 110-13, the transmitter / receiver 210 of the real name confirmation demand server 200 transmits the real name confirmation transaction ID, the real name confirmation demand user ID, and the real name confirmation demand ID, which are transmitted from the user terminal 300 in step 100-13, The real-name confirmation source DB box selection information, and the identity verification information ', the real-name confirmation DB 265 receives' the received password' and the at least one of the login password and the name and the real- (Or the real name verification source ID matched to the received real name verification source ID box selection information) matching the real name verification transaction ID 'and the' received real name verification user ID, At least one of a user's login password for confirming his / her blind name, a user name and a real name verification source of the blind date, and a real name ID '.

An additional aspect of step 110-2 of Fig. 4 is also possible in step 110-13.

In step 120-13, the user name DB 290 of the user's name verifying server 200 matches the user's real name verification source ID received in step 110-13 (or the real name verification source ID box selection information received in step 110-13) Receiving unit 210 matched with the use-destination ID) ', and the transmitting / receiving unit 210 extracts the real-name confirmation demand-source ID, the real-name confirmation transaction ID stored in step 110-13, To the real name verification source server 100 corresponding to the real name verification source server connection address, at least one of the name and the real name verification source user transaction account ID, the real name ID, and the identity verification information '.

An additional aspect in step 120-2 of FIG. 4 is also possible in step 120-13.

Steps 270-2 to 350-2 in Fig. 4 are operated.

Step 360-10 in Fig. 8 is operated.

11 is a flowchart showing the operation of the non-face-based blindness checking method according to the fourth embodiment ("Example 4-1") in which a blind date confirmation request is received after receipt of a transaction application.

Steps 20-10 to 40-10 in Fig. 8 are operated.

In step 100-14, the user connects the user terminal 300 to the user registration page of the predetermined form of the user's real name verification server 200 in a known manner, Receiving unit 310 inputs the real-name confirmation transaction ID ', the real-name confirmation user ID, the real-name confirmation user ID login password, and the real name confirmation supply source ID box selection information received from the server 200, the transmission / reception unit 310 transmits the input information to the real- To the server (200).

In step 110-14, the transmission / reception unit 210 of the real name confirmation requesting server 200 transmits the real name confirmation transaction ID, the real name confirmation requesting user ID, and the real name confirmation requesting user password, which are transmitted from the user terminal 300 in step 100-14, And the real name verification source ID box selection information ', the real name verification DB 265 matches' the received real name verification demander user ID and the real name verification demander login password' to the 'received real name confirmation transaction ID' The received real name verification source ID (or the real name verification source ID matched with the received real name verification source ID box selection information) is stored.

In step 120-14, the user name DB 290 of the user's name verifying server 200 matches the user's real name verification source ID received in step 110-14 (or the real name verification source ID box selection information received in step 110-14) Receiving unit 210 matched with the use-destination ID) 'and the transmitting / receiving unit 210 transmits the real-name confirmation demand-source ID and the' real-name confirmation transaction ID stored at step 110-14 'to the real- The redirection unit 245 redirects the connection of the user terminal 300 to the real name verification source server 100 corresponding to the real address verification source server connection address.

Steps 210-4 to 350-4 in Fig. 5 are operated.

In step 360-14, the real-name confirmation demand server 200 acquires the "counterparty application ID" matched with the "real-name confirmation transaction ID received in step 350-4" in the waiting transaction DB 275, User ID, at least one of the counter party connection address and the real name verification user ID, and the transaction target point 'are extracted, the extracted information is stored in the transaction DB 270, And the transmission / reception unit 210 transmits 'at least one of the counterpart account ID and the counterparty user ID and the counterpart transaction subject' as the use-party access address do.

An additional aspect in step 360-10 of FIG. 8 also applies in step 360-14.

FIG. 12 is a flowchart showing the operation of the non-face-based blindness checking method according to the fifth embodiment ("Fifth embodiment") in which a blind date confirmation request is received after receipt of a transaction application.

Steps 20-10 to 110-14 in Fig. 11 are operated.

In step 120-14, the transmitter / receiver 210 in the real-name confirmation demand server 200 transmits the real-name confirmation consumer ID as a response to 'transmission reception from the user terminal 300 in step 110-14' To the user terminal 300, the stored real name confirmation transaction ID '.

Steps 210-5 to 350-4 (or steps 210-6 to 240-6) in Fig. 6 are operated.

Step 360-14 in Fig. 11 is operated.

FIG. 13 is a flowchart showing the operation of the non-face blindness verification method according to the sixth embodiment (" Example 6-1 "

Steps 20-10 to 40-10 in Fig. 11 are operated.

Steps 100-7 through 350-7 in Fig. 7 are operated.

Step 360-14 in Fig. 11 is operated.

100: Verification of blind source server
110: Transmitting /
140:
150:
160: Function storage unit
170: Transaction DB
180: User DB
190: Application DB
200: Confirm your real name Demand server
210: Transmitting /
240:
245: Redirection unit
250:
255: Transaction ID Generation Unit
256:
265: Real name confirmation DB
270: Transaction DB
275: Waiting transaction DB
280: User DB
290: Application DB
300: user terminal
310: Transmitting /
320:
330: Output section
340:
370: Your name verification app
371:
372: User ID memory
373: WYH memory
374: Password memory
375: Connection address memory
376: Function memory
400: Real name confirmation relay server
410: Transmitting /
440:
446: Professional Writing Department
490: Application DB

Claims (21)

Confirm your real name On the demand server,
Receiving the information including at least one of the name and the real name ID transmitted from the user terminal and the real name verification source user transaction account ID transmitted from the user terminal;
(D) generating a predetermined outbound number by the outbound generator;
(E) transmitting / receiving information for requesting a 'transaction for specifying the real name verification source user transaction account ID as a counterpart account ID and specifying the account as a brief' to the real name verification source server;
(G1) of the transmitting / receiving unit 'receiving at least one of the name and the real name ID transmitted from the real name verification source server';
The operation unit compares 'one or more of the name and the real name ID transmitted from the real name verification source server with the corresponding one or more of the name and real name ID transmitted from the user terminal'Quot; judgment ");
Receiving (step I1) a transmission / reception unit 'transmitted from the user terminal and matching the user name of the blindness confirmation demanding user'; And
(J) determining ("non-judgment") whether the operation section matches the outbound sent from the user terminal against the outbound sent to the real name verification source server; A non-face-to-face blindness identification method The method of claim 1,
In place of the steps (A1), (G1), and (I1)
Receiving at least one of a name and a real name ID matched with at least one of a user's real name verification source ID, a real name verification source user transaction account ID and a real name ID transmitted from the real name verification source server; And
Receiving at least one of a name and a real name ID, which is matched with a user name of a real name confirmation demanding user transmitted from a user terminal, and an outgoing number (I2); A non-face-to-face blindness identification method Confirm your real name On the demand server,
(A3) of receiving at least one of a user name of a real name confirmation demanding party, a user name of a real name confirmation supply source, a real name confirmation supply source user transaction account ID and a real name ID transmitted from a user terminal and one or more identity authentication information ';
(B) a transaction ID generating unit generating a predetermined real name confirmation transaction ID;
(C3) of transmitting / receiving at least one of the 'real name verification transaction ID', the real name verification source ID, the real name verification source URL and the real name ID, and one or more identity verification information 'to the real name verification source server.
(G3) receiving the 'matching code matched to the blind date confirmation transaction ID' transmitted from the blind date confirmation source server by the sending / receiving section; And
A step (K3) of storing, in the user DB, a user name and a real name ID, which are transmitted from the user terminal and are matched with each other; A non-face-to-face blindness identification method Confirm your real name On the demand server,
Receiving (A4) a user name of a real name verification demanding user transmitted from a user terminal;
(B) a transaction ID generating unit generating a predetermined real name confirmation transaction ID;
(C4) the transmitting / receiving unit transmits the real name confirmation transaction ID to the 'real name verification source server, the real name confirmation relay server and the user terminal';
Redirecting the connection of the user terminal to one of the 'real name verification source server and the real name verification relay server'(F4);
(G4) receiving information (or a message) including a real name ID matched with a real name verification transaction ID transmitted from one of the 'real name verification source server and the real name confirmation relay server'; And
(K4) storing 'the received real name ID' in matching with the real name verification demanding user ID in the user DB; A non-face-to-face blindness identification method 5. The method of claim 4,
Further receiving a real name ID in step (A4)
(F4) step is omitted. 6. The method according to any one of claims 1 to 5,
The transmission / reception unit designates another usage ID as the usage ID of the other party of the transaction, designates one or more of the other usage user transaction account ID and the other usage ID as at least one of the trading partner account ID and the trading partner user ID, (A) receiving predetermined transaction application information including at least one of a connection address and a user name of a real name verification customer of a counter party and a predetermined transaction target;
(B) the transaction ID generating section generates a predetermined real name confirmation transaction ID; And
A transaction counterpart user account ID, a counterparty user ID, a counterparty connection address, a real name verification customer ID, and an application target transaction, which are read from the transaction application information, Step (c) in which one or more of the points are stored; The method comprising the steps of: The method of claim 6,
In the user DB, a name of a real name matching with at least one of the other-used-user transaction account ID, the other-used user ID, the counterparty connection address, and the real-name confirmation demanding party user ID read out from the transaction application information received in the above- Is retrieved;
If the real name ID is not retrieved from the user DB, the transaction ID generating unit generates a predetermined real name confirmation transaction ID, matches the real name verification transaction ID to the waiting transaction DB, An ID, a transaction counterpart account ID, a counterparty user ID, a counterparty access address, and an application target point 'are stored;
If the real name ID is not found in the user DB, transmitting / receiving the real name verification transaction ID to the trading partner connection address;
A step of extracting a blind name confirmation transaction ID matched with a 'user name of a blind date confirmation user transmitted from a user terminal' in a blind name confirmation DB;
In the waiting transaction DB, the 'real name confirmation transaction ID extracted from the real name verification DB' or the 'user ID of the counterparty user', the counterpart account ID, the counterparty user ID, the counterparty access address, Is extracted and stored in the transaction DB;
A step of searching for a real name confirmation transaction ID matched with the 'real name verification source user transaction account ID transmitted from the real name verification source server' in the waiting transaction DB;
Searching for a use destination access address matched with the trading partner use ID in the use destination DB; And
Transmitting / receiving at least one of the trading partner account ID and the trading partner user ID and the application subject transaction target 'to the use destination access address searched for by the transmitting / receiving unit; The method comprising the steps of: 8. The method according to any one of claims 1 to 7,
Receiving at least one of a real name verification transaction ID, a real name verification user ID, a real name verification provider ID box selection information (or a real name verification provider ID), and a real name verification provider user transaction account ID from the user terminal of the transmission / reception unit;
The transaction ID generating unit generating a predetermined real name confirmation transaction ID;
The real name verification source ID (or the real name verification source ID matched to the transmitted real name verification source ID box selection information) transmitted from the user terminal is matched with the 'real name verification user ID transmitted from the user terminal' Verification of the user's real name, verification of the user's login password, name, real name ID, and real name verification. The user's transaction account ID and the real name confirmation source ID of the supply source "≪ / RTI > is stored;
Extracting a real name verification source server connection address matched with a real name verification source ID transmitted from a user terminal (or a real name verification source ID matched with the transmitted real name verification source ID box selection information) from the user DB;
A step of extracting at least one of 'out-of-home, name and real name ID' matched with 'at least one of a user's real name verification source user transaction account ID and a user's real name confirmation user ID transmitted from a user terminal';
Confirm the real name Confirm the real name Confirm the real name Confirm the real name User ID and the real name Confirm the requested user's login password and the real name ID and the full name Confirm the real name Extracting at least one of the account ID '; And
If both of the "blindness judgment" and the "non-judgment" are positive, the real name ID matched with the real name verification user ID transmitted from the user terminal is extracted from the real name confirmation DB, Storing the 'real name ID' matching the ID; The method comprising the steps of: In the real name verification source server,
The transmission / reception unit transmits at least one of the user name of the real name verification source, the real name verification source user transaction account ID, and the real name ID, transmitted from the user terminal, and the user authentication information and the real name verification user ID box selection information Receiving (A2);
A step (Ba) of extracting from the user DB 'one or more of the received WYH and the log-in password matched to the at least one of the user's real name verification source ID, real name verification source user transaction account ID and real name ID';
(C) calculating the authentication information by using the at least one of the 'WYH and the login password';
(D) determining whether the computation unit matches the computed identity authentication information with the received authentication information to determine whether the identity is matched with each other (" identity authentication information determination "); And
If the identity verification information is affirmative, at least one of a 'name and a real name ID' matched with 'at least one of the user name of the real name verification source ID, the real name verification source user account ID and the real name ID' is extracted from the user DB , And transmits / receives at least one of the extracted 'name and real name ID' to at least one of the user ID of the real name verification source, the real name verification source user transaction account ID and the real name ID, (E); A non-face-to-face blindness identification method The method of claim 9,
In place of steps (A2) and (E2) above,
(A3) receiving at least one of a real name confirmation transaction ID, a real name confirmation source ID, a real name confirmation source user transaction account ID, and a real name ID transmitted from a real name verification demand server,
A step (Bb3) of retrieving transaction account IDs matched to 'at least one of the received real name verification source ID, real name verification source user transaction account ID and real name ID' in the user DB; And
(E3) if the identity verification information is affirmative, transmitting / receiving a matching code matched with the received real name verification transaction ID to a real name verification requesting server; A non-face-to-face blindness identification method The method of claim 9,
In place of steps (A2) and (E2) above,
The transmission / reception unit receives the 'real name verification transaction ID' transmitted from the 'real name verification requesting client server', redirects 'connection with the user terminal' from the real name verification demand server, (A4) receiving at least one of a real name verification source ID, a real name verification source ID, and a real name ID;
A step of searching for 'at least one of a name, a real name verification source supplier account ID and a real name ID' matched with 'at least one of a user's real name verification source ID, real name verification source user transaction account ID and real name ID'Bb4); And
If the identity verification information determination is affirmative, the transmitting / receiving unit transmits at least one of the searched name, real name verification source user account ID and real name ID matched to the received real name verification transaction ID to the real name verification requesting server Transmitting (E4); A non-face-to-face blindness identification method 12. The method of claim 11,
In place of step (A4) above,
And a real name confirmation request transaction ID, a real name confirmation source ID, a real name confirmation source user transaction account ID, and a real name ID of at least one of a real name confirmation demand source ID and a real name confirmation request server connection address transmitted from the user terminal And (A5) receiving one or more personal identification information '; A non-face-to-face blindness identification method In the real name verification source server,
The transmission / reception unit transmits at least one of a real name confirmation transaction ID, a real name confirmation source ID, a real name confirmation source user transaction account ID and a real name ID transmitted from the real name confirmation relay server, and a predetermined real name identification ≪ / RTI >
(Ba ') in which' at least one of the WYH and the login password matched to at least one of the user's real name verification source user ID, the real name verification source user transaction account ID, and the real name ID ";
In the user DB, "at least one of a name and a real name verification source user account ID and a real name ID matched to at least one of a user name of a real name verification source and a real name verification source user transaction account ID and a real name ID" (Bb ');
(C) calculating the authentication information by using the at least one of the 'WYH and the login password';
(D ') of determining whether the matched part matches the calculated authentication information' with the authentication information read out in the received full text and matching each other (" determining authentication information for the user "); And
If the determination of the identity information is positive, the expert preparation unit searches for a predetermined name, including at least one of the above-mentioned name, real name verification source user account ID and real name ID, matching ' A step (E6) of preparing a blindness verifier and transmitting / receiving the blindness confirmation verb to the blindness confirmation relay server as a response to the blindness confirmation application; A non-face-to-face blindness identification method The method according to any one of claims 9 to 12,
The transmission / reception unit displays a predetermined screen including the 'real name confirmation transaction ID' received from the 'real name verification demanding server' and the 'at least one of the predetermined user ID input field, transaction account ID input field and real name ID input field' To the user terminal;
One or more of the user ID field, the transaction account ID field, and the real name ID field, and at least one of the user authentication information Transmitting information on a predetermined screen including a text box to a user terminal;
Extracting transaction account IDs matched to at least one of a user's real name verification source ID, a real name verification source user transaction account ID, and a real name ID transmitted from a user terminal in the user DB;
("Transaction account determination") that one of the transaction account IDs extracted from the user DB matches the real name verification source user transaction account ID transmitted from the user terminal;
Receiving, by the sending / receiving unit, information including a real name confirmation demand source ID transmitted from a real name confirmation demanding server, a real name confirmation supply source user transaction account ID specified by a transaction partner account ID, and an outline designated by a brief description;
Extracting a use destination access address matched with a blind date confirmation user ID (or a blind date confirmation user ID matched to the blind date confirmation user ID box selection information) received from the user terminal and one of the user terminal and the blind date confirmation demand server;
In the lower DB matched with the real name verification source user transaction account ID in the transaction DB, 'the real name confirmation ID ID transmitted from the real name verification demand source server' is stored in the transaction other party field and the non-number is stored in the matching brief number field ;
Determining whether the at least one of the name and the real name ID transmitted from the real name confirmation user server matches the corresponding one or more of the name and the real name ID retrieved from the user DB (" real name determination ");
If both of the authentication information determination and the transaction account determination are positive, the user DB stores a name and a real name verification source user ID that match 'one or more of the real name verification source user ID, the real name verification source user account ID and the real name ID' At least one of the transaction account ID and the real name ID is extracted and the sending and receiving unit is matched with at least one of the received real name confirmation transaction ID, the real name verification source ID, the real name verification source URL, and the real name ID, Transmitting at least one of the extracted 'name and real name verification source user transaction account ID and real name ID' to one of 'real name verification server and real name verification relay server'; And
Transmitting the matching code matched with the received real name verification transaction ID to the real name verification requesting server when both the authentication information determination and the real name determination are positive; The method comprising the steps of: At the user terminal,
A step of displaying a 'master password input field and at least one of a real name verification source user transaction account ID input field' in the output part;
Inputting at least one of a master password and a real name verification source user transaction account ID among a master password input field selection information and a real name verification source user transaction account ID input field selection information in an input unit;
A step of searching 'encrypted WYH and at least one of the encrypted real name verification source login password' in one or more of 'WYH memory and password memory';
Retrieving a predetermined decryption function from the function memory;
Decrypting the decrypted function by using the encrypted WYH and the corresponding one or more of the encrypted real name verification source passwords, together with the master password, using the decrypted key as the decryption key;
A step of calculating predetermined identity authentication information using the decrypted 'WYH and at least one of a real name verification source login password'; And
The transmission / reception unit transmits at least one of a real name confirmation transaction ID received from a real name confirmation demanding server and a predetermined real name verification source ID, a real name confirmation source user transaction account ID and a real name ID, To an authentication source server; A non-face-to-face blindness identification method 16. The method of claim 15,
Inputting at least one of 'WYH and a real name verification source password' in the input unit by matching with the master password;
Retrieving a predetermined encryption function from the function memory;
The WYH and the corresponding one or more of the login passwords of the real name verification source are input to the encryption function along with the master password to encrypt the master password as an encryption key;
Storing 'the encrypted WYH and the corresponding one or more of the encrypted real name verification source passwords' in the 'one or more of the WYH memory and the password memory';
Receiving at least one of a real name confirmation transaction ID and a real name confirmation application start code transmitted from the real name confirmation demanding server,
A step of retrieving the real name verification source user ID in the user ID memory;
A predetermined shared variable calculating function is retrieved from the function memory, and the shared variable calculating function calculates a predetermined shared variable;
A step of inputting the decrypted 'WYH and at least one of a real name verification source login password' and the calculated shared variable into the personal authentication information calculation function to calculate personal authentication information; Searching for a real name verification application access address provided by a real name verification source server in a connection address memory;
Inputting a user's real name verification user ID and a predetermined 'name', at least one of a real name verification source user transaction account ID and a real name ID 'and a real name verification source ID box selection information (or a real name verification source ID) And
Transmitting and receiving the input information to a real name verification request server; The method comprising the steps of: In the real name confirmation relay server,
A step (A) of redirecting 'connection with a user terminal' from a real name confirmation demanding server;
(B) receiving, by the transmitting / receiving unit, at least one of a user's real name verification source ID, a real name verification source user transaction account ID and a real name ID transmitted from the user terminal;
(E) creating a full blindness confirmation application text including at least one of a user's real name verification source ID, a real name confirmation source user transaction account ID, and a real name ID described above;
(F) transmitting the 'full name verification application completed by the professional writing section' to the real name verification source server by the sending / receiving section;
(G) receiving, as a response to the full-name verification application, the "full name verification" including at least one of the name and the real name verification source user transaction account ID and the real name ID transmitted from the real name verification source server;
A step (H) of preparing a full name verification confirmation relay message including at least one of the name and the name of the real name verification source user transaction account ID and the real name ID; And
(I) of the transmission / reception unit transmitting the full name verification relay specialist to the real name verification demand server; A non-face-to-face blindness identification method The method of claim 17,
In place of steps (A) and (B) above,
A step (C) of receiving a real name confirmation relay destination user ID from the transmission / reception unit from the real name confirmation demanding server; And
(D) retrieving at least one of a user's real name verification source ID, a real name verification source user account ID and a real name ID matched with the user name of the real name verification relay user in the user DB; A non-face-to-face blindness identification method The method of claim 17 or 18,
Receiving < / RTI > the real name verification transaction ID transmitted from the " real name verification demanding server "
Transmitting / receiving information on a predetermined screen including at least one of a real name verification source ID pair field, a real name confirmation source supplier transaction account ID field, a real name ID field and a user authentication information field, to the user terminal;
Receiving the one or more predetermined authentication information transmitted from the user terminal; And
A step of preparing a full name verification application full text containing the at least one personal identification information; The method comprising the steps of: The method according to claim 5, 10, 11, 13, 15, or 19,
Wherein the personal authentication information is disposable personal authentication information, A transmission / reception unit;


A password memory in which an 'encrypted real name validation source password' using a predetermined master password as an encryption key can be stored;


When receiving the 'encrypted real name verification source login password' along with a predetermined master password, decrypts the encrypted real name login source password using the master password as a decryption key, and stores the decryption function. And


When the predetermined information is inputted to the input unit by matching with the master password input field selection information, the information is recognized as the master password, the encrypted real name login source password is retrieved from the password memory, and a predetermined decryption function The master password is decrypted by using the decrypted real name input source password, and the decrypted real name authentication source password is input to the decryption function together with the master password to decrypt the master password as a decryption key, A real name verification application control unit that controls the authentication information to be calculated so that the transmission / reception unit transmits the calculated identity authentication information to the real name verification source server; And a non-face-to-face blindness check device having a user terminal as a component,

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