KR20180057167A - An Unmanned Financial Transactions System and A Financial Transactions Method Using The Same - Google Patents

Abstract

The present invention relates to an unmanned financial transaction system excellent in transaction safety and an unmanned financial transaction method using the same. The present invention relates to an unmanned financial transaction system. The unmanned financial transaction system includes a financial institution server, an unmanned financial transaction terminal connected to a financial institution server through an information communication network, and a medium where an electronic authentication solution is stored. Information for a financial transaction is separately stored in the financial institution server and the medium. According to the present invention, the unmanned financial transaction system in which transaction safety is remarkably increased and the unmanned financial transaction method using the same can be implemented.

Description

[0001] The present invention relates to an unmanned financial transaction system and an unmanned financial transaction method using the same,

The present invention relates to an unmanned financial transaction system having superior transaction security and an unmanned financial transaction method using the same.

Financial institutions are operating unmanned terminals such as unmanned cash dispensers for efficient deployment and operation of manpower. Various systems and methods are proposed for unmanned financial institutions. However, ATM devices that are currently being developed or developed have difficulty in confirming the authenticity of the ID card and identifying the identity of the customer, so that it is troublesome to transfer the account to another account of the customer when opening a new account. Also, after opening a new account, issuance of an official certificate, an OTP, a security card, etc., is cumbersome and incurs extra costs and takes more time. Further, all the personal information including the biometric information is registered in the bank server, so that there is a risk that all of the individual information is leaked by hacking.

1. Korean Published Patent Application No. 10-2002-0059949 (July 16, 2002) 2. Korean Unexamined Patent Publication No. 10-2004-0021747 (2004.03.11)

The present invention provides a safe unmanned financial transaction system for hacking financial information and the like.

The present invention also provides a safe unmanned financial transaction method from financial information hacking and the like.

According to an aspect of the present invention, there is provided an unmanned financial transaction system including a financial institution server, an unmanned financial transaction terminal connected to the financial institution server through an information communication network, and a medium storing an electronic authentication solution, An agency server, and the medium.

According to another aspect of the present invention, there is provided an unmanned financial transaction system including a financial institution server storing account information, an unmanned financial transaction terminal connected to a financial institution server through an information communication network, and a medium storing fingerprint information and electronic signature solution of the customer, The unmanned financial transaction terminal comprises: an identification card forgery-and-discrimination unit for checking whether a customer's identification card is falsified or altered; A face authentication unit for verifying whether or not the user is a face photographer in comparison with a face photograph of a customer who is photographed and a face photograph obtained from the ID card; A biometric authentication unit which verifies whether the fingerprint information stored in the medium matches the fingerprint information of the customer through contactless communication between the medium and the terminal; And an electronic signature unit for authenticating the user by electronic signature solution through contactless communication between the medium and the terminal.

In another aspect of the present invention, there is provided a method of detecting a face image, the method comprising the steps of: (a) checking whether a customer's ID card is falsified or altered; (b) (D) registering the password of the account and storing the password in the financial institution server; (e) registering the password of the account in the financial institution server; (F) storing the electronic signature solution in the medium, and (g) issuing the medium. The method may further comprise the steps of:

According to the present invention, an unmanned financial transaction system in which transaction safety is remarkably improved and an unmanned financial transaction method using the same can be implemented.

1 is a schematic diagram of an unmanned financial transaction system according to an aspect of the present invention.
FIG. 2 is a schematic diagram illustrating a process of opening a new account in the unmanned financial transaction method using the unmanned financial transaction system according to an aspect of the present invention.
FIG. 3 is a schematic view illustrating a financial transaction method considering convenience of transactions when a small amount of unmanned financial transaction method using an unmanned financial transaction system according to an aspect of the present invention is less than a predetermined amount.
FIG. 4 is a schematic diagram illustrating a financial transaction method that can be performed when unauthorized financial transaction methods using an unmanned financial transaction system according to an aspect of the present invention are required.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. The embodiments of the present invention can be modified into various other forms, and the scope of the present invention is not limited to the embodiments described below. Embodiments of the present invention are provided to more fully describe the present invention to those skilled in the art. Accordingly, the shapes and sizes of the elements in the drawings may be exaggerated for clarity of description, and the elements denoted by the same reference numerals in the drawings are the same elements.

The present invention relates to an unmanned financial transaction system having superior transaction security and an unmanned financial transaction method using the same.

1 is a schematic diagram of an unmanned financial transaction system according to an aspect of the present invention. FIG. 2 is a schematic diagram illustrating a process of opening a new account in the unmanned financial transaction method using the unmanned financial transaction system according to an aspect of the present invention. FIG. 3 is a schematic view illustrating a financial transaction method considering convenience of transactions when a small amount of unmanned financial transaction method using an unmanned financial transaction system according to an aspect of the present invention is less than a predetermined amount. FIG. 4 is a schematic diagram illustrating a financial transaction method that can be performed when unauthorized financial transaction methods using an unmanned financial transaction system according to an aspect of the present invention are required.

1, one aspect of the present invention is an unmanned financial transaction system including a financial institution server, an unmanned financial transaction terminal connected to the financial institution server through an information communication network, and a medium storing an electronic authentication solution, Is separately stored in the financial institution server and the medium.

The financial institution server may include not only the general bank but also the securities company and the company of the second financial institution, and there is no particular limitation on the financial institution.

Unmanned financial transaction terminals are also called kiosks. The unmanned financial transaction terminal can be connected to the financial institution server through the information communication network. It may be connected via an internal network or the Internet. Wired communication or wireless communication, but wired communication is preferable for transaction security. Unmanned financial transactions terminals are not limited to specific locations where they can only be connected to information and communication networks. It is called an unmanned financial transaction terminal in that it can conduct financial transactions without having a counterpart in a financial institution such as a bank, and can perform the same function as the function of a window of a financial institution such as a bank. For example, a new account can be opened, and financial transactions such as withdrawal and withdrawal and account transfer can be performed.

The financial institution server stores the account information and the customer's personal information, and the customer's biometric information is stored in the medium. Even if the financial institution server is hacked, the biometric information is stored separately in the media that the customer owns, thereby preventing financial accidents in advance. . In other words, it is possible to improve the transaction security by separately storing financial information.

The account information may include an account number, an account password, a name of the customer, an address, a resident registration number, and a telephone number. The biometric information may include at least one of fingerprint information of the customer, iris information, and vein information. In particular, since such biometric information corresponds to extremely sensitive personal information, storing it in a financial institution server may be problematic. Accordingly, it is possible to prevent the occurrence of a legal problem related to personal information by storing it in a medium owned by the customer.

The medium may be a check card having an IC chip built therein. However, the present invention is not limited thereto, and any medium capable of storing biometric information and the like can be used. An electronic signature solution may be stored on such media. When the medium storing the digital signature solution is brought close to the medium, communication can be established between the terminal and the medium through NFC (near field communication). Through this, it can be confirmed that the media owner is himself. For this reason, the media should never be passed on to others and must be retained by the individual.

The unmanned financial transaction terminal may include an ID card forgery-and-discrimination unit, a face authentication unit, a biometric authentication unit, and an electronic signature unit.

ID card Forgery detection unit is a unit that checks whether a customer's ID card is falsified or altered. It does not determine whether the identification information described in the identification card is true or false, but determines whether the identification card itself is counterfeit or tampered. More specifically, an image of a user's ID card is imaged to detect image information, infrared and ultraviolet ray transmittance values obtained by irradiating infrared and ultraviolet rays to ID cards are compared with standard infrared and ultraviolet ray transmittance values stored in a database, It is possible to judge whether or not it has been falsified or altered.

The ID card forgery-and-discrimination unit includes: an image sensing unit for sensing image data of an ID card to obtain image data; an OCR processing unit for acquiring symbols, numbers, characters, and pictures recorded in the ID card by subjecting the image data to an OCR (Optical Character Reader) An ultraviolet ray detection unit for obtaining an ultraviolet ray reflection value of an ID card, a database storing a standard infrared ray penetration value corresponding to the ID card, and a validity of a resident registration number provided in the ID card acquired by the OCR processing unit And comparing the infrared transmittance value of the identification card with the standard infrared transmittance value stored in the database.

The control unit includes an identification card judging unit for judging the type of the identification card through the result read by the OCR processing unit, a resident registration number judging unit judging the validity of the resident registration number acquired by the OCR processing unit based on the resident registration number generating logic, An infrared ray falsification determining unit for comparing the transmission value with a standard infrared ray transmission value corresponding to the ID stored in the database, and an ultraviolet ray fake determining unit for comparing the ultraviolet ray reflection value sensed by the ultraviolet ray sensing unit with a standard ultraviolet ray reflection value corresponding to the ID card stored in the database And the like.

In the face authentication unit, the face image of the customer photographed in the field is compared with the face image obtained in the ID card to confirm whether or not the user is a person. The face authentication unit operates the illumination unit under the same conditions as the illumination conditions for generating the light, the camera for acquiring the real-time face image, and the previously stored authentication face image stored in the server, A database for storing illumination information at the time of photographing of a face photograph for authentication and a face photograph for authentication, a real time face photograph received from the terminal and a face photograph for authentication stored in a database are compared with each other, And a facial authentication server for determining whether or not the matching is coincident and transmitting the result to the terminal.

The biometric authentication unit is a unit for confirming whether the fingerprint information stored in the medium matches the fingerprint information of the customer through contactless communication between the medium and the terminal. The fingerprint reader can be a contact light emitting device.

An electronic signature unit is a unit that verifies the identity of a person by electronic signature solution through contactless communication between the medium and the terminal. The digital signature solution is a fusion of public key based encryption technology and ID based encryption technology. It can substitute public certificate and OTP at the same time, which can greatly increase usability. Electronic signature solutions can be installed on existing credit or check cards.

Another aspect of the present invention is to provide a method for identifying a user's identity card, comprising the steps of: (a) checking whether a customer's ID card has been falsified or altered; (b) (D) registering the password of the account and storing it in the financial institution server; (e) registering the password of the account in the client's living body (F) storing the electronic signature solution in the medium, and (g) issuing the medium.

This aspect is characterized in that it is determined whether or not the ID card is forged or falsified, and the account is created (opened) after confirming whether or not the user is a person through the face photograph. Further, the account information such as the account password is stored in the financial institution server, and the biometric information of the customer and the electronic signature solution are separately stored in the medium, thereby improving the transaction stability from hacking or the like.

First, we can check whether the customer's ID card is falsified or altered (a). Whether the identity card is falsified or not is not determining whether the identification information described in the identification card is true or false, but whether the identification card itself is counterfeit or tampered. Specifically, an image of a user's ID card is imaged to detect image information, infrared and ultraviolet ray transmission values obtained by irradiating infrared and ultraviolet rays to ID cards are compared with standard infrared rays and ultraviolet ray transmission values stored in a database, Whether it has been forged or altered. Others are the same as described in the previous section.

(B) Next, we can check whether the user is a person who has been photographed on-site and face images obtained from a counterfeit or unauthorized normal ID card. The specific method is the same as that described in the previous section.

Next, an account can be created after confirming the person through face photograph (c). The most important problem when opening an account is to check if the person is right. After determining whether the ID card is forged or not, check the identity of the face image on the spot by comparing it with the face image obtained from the non-forged ID card. Since the account is created (opened), the transaction security is excellent.

Next, the password of the account can be registered and stored in the financial institution server (d). When an account is created, various account information such as an account number and a mobile phone number may be generated. It is also necessary to register the account password for future financial transactions. All of this account information can be stored on the financial institution's server.

Next, the biometric information of the customer can be registered and stored in the medium (e). The biometric information includes fingerprint information, iris information, vein information, and the like. However, the present invention is not limited thereto, and any of the biometric information can be used as long as it can express the characteristics of an individual that can not be replaced by another person. However, they are sensitive personal information, so special care is required.

The biometric information may be fingerprint information. In this case, the fingerprint information may include fingerprint information for normal transaction and fingerprint information for abnormal transaction. For example, the fingerprint information for the normal transaction may be the fingerprint information of the detection, and the fingerprint information for the abnormal transaction may be the fingerprint information of the detection and the stop. That is, fingerprints previously detected by the normal fingerprint information are registered, and two fingerprints that are detected and stopped are registered as the abnormal fingerprint information. In case of forcible withdrawal of a deposit due to a threat from another person, it is possible to notify the financial institution of an abnormal transaction by simultaneously recognizing the two fingerprints of the detection and the stopping, instead of recognizing the detected fingerprint information. Furthermore, the police officer can be automatically notified.

The medium may be a check card having an IC chip built therein. It can be convenient to put it in a wallet and carry it. However, the present invention is not limited thereto, and any medium capable of storing biometric information and the like can be used.

Next, an electronic signature solution can be stored on the medium (f). The medium can store biometric information as well as electronic signature solutions. When the medium storing the digital signature solution is brought close to the medium, communication can be established between the terminal and the medium through NFC (near field communication). Through this, it can be confirmed that the media owner is himself. This can replace the certificate or OTP (One Time Password). By using this, the convenience of identification can be significantly increased. That is, even if the medium is simply tagged to the terminal, the user can be confirmed. For this reason, media must be owned by you and never passed on to others.

Next, the medium can be issued (g). The medium may be a built-in IC chip capable of storing biometric information and an electronic signature solution. It is preferable to issue it in the form of a check card considering the convenience of carrying in a wallet or the like.

The above describes procedures for creating an account and registering information necessary for future financial transactions. Hereinafter, an unmanned financial transaction method having superior transaction security will be described with reference to FIG. 3 and FIG.

Unmanned financial transactions can be classified into i) a small transaction of a certain amount or less (see Fig. 3) and ii) a multi-transaction of a certain amount or more (see Fig. 4). The deposit amount can be set by the depositor.

Referring to FIG. 3, in the case of a micro-transaction, it is possible to proceed with a financial transaction immediately after determining whether the ID is forged or forged through the electronic signature solution, considering transaction convenience rather than transaction security. After ensuring minimum safety by discrimination of ID card forgery, the transaction can be proceeded by simply tagging the medium (check card) on the terminal. More specifically, a micro-transaction is a step of checking whether a customer's ID card has been falsified or altered, and if it is determined that the ID card has not been falsified or tampered with, (Tagging) for confirming the identity of the user and a digital signature solution, and if the identity is confirmed by the digital signature solution, entering the password of the account and proceeding with the financial transaction.

Referring to FIG. 4, in the case of a multi-transaction, the transaction can be conducted after confirming the identity through the digital signature solution and the biometric information (fingerprint information), focusing on the transaction safety rather than the convenience of the transaction. It considers trade safety by requiring coincidence of biometric information. More specifically, the multifunctional transaction is a process of authenticating the user by electronic signature solution through the contactless communication between the medium and the terminal (tagging) and when the identity is confirmed by the digital signature solution, the fingerprint information inputted by the customer and the medium And comparing the stored fingerprint information with the stored fingerprint information. If the fingerprint information inputted by the customer is fingerprint information for normal transaction, the user can input the password of the account and proceed the financial transaction. If the fingerprint information entered by the customer is fingerprint information for an abnormal transaction, the transaction may be stopped and the abnormal transaction may be reported to the financial institution. However, you may be asked to enter one more time to account for the error. Furthermore, it can be automatically reported to police officers.

The terms used in the present invention are intended to illustrate specific embodiments and are not intended to limit the invention. The singular presentation should be understood to include plural meanings, unless the context clearly indicates otherwise. The terms 'comprise', 'comprise', or the like mean that there is a feature, a number, a step, an operation, an element, or a combination thereof described in the specification.

The present invention is not limited to the above-described embodiments and the accompanying drawings, but is intended to be limited only by the appended claims. It will be apparent to those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the appended claims. something to do.

Claims (16)

An unmanned financial transaction system comprising a financial institution server, an unmanned financial transaction terminal connected to the financial institution server through an information communication network, and a medium in which an electronic authentication solution is stored,
Wherein information for financial transactions is separately stored in the financial institution server and the medium. The unmanned financial transaction system according to claim 1, wherein the financial institution server stores account information and personal information of a customer, and stores biometric information of the customer on the medium. The system according to claim 2, wherein the account information includes an account number, an account password, a name of a customer, an address, a resident registration number and a telephone number, and the biometric information includes at least one of fingerprint information, Unmanned financial trading system. The unmanned financial transaction system according to claim 1, wherein the medium is a check card having an IC chip embedded therein. An unmanned financial transaction system comprising a financial institution server storing account information, an unmanned financial transaction terminal connected to the financial institution server through an information communication network, and a medium storing a fingerprint information and an electronic signature solution of the customer,
Wherein the unmanned financial transaction terminal comprises:
An ID card forgery-and-discrimination unit for confirming whether a customer's ID card is falsified or altered;
A face authentication unit for verifying whether or not the user is a face photographer by comparing face photographs of the photographed customer with face photographs obtained from the ID card;
A biometric authentication unit for checking whether the fingerprint information stored in the medium and the fingerprint information of the customer match through contactless communication between the medium and the terminal; And
An electronic signature unit for authenticating the user through the electronic signature solution through contactless communication between the medium and the terminal;
Wherein the unmanned financial transaction system comprises: 6. The method of claim 5,
The identification card forgery /
An image sensing unit for sensing the identification card to acquire image data;
An OCR processing unit for processing the image data by an OCR (Optical Character Reader) to obtain symbols, numbers, characters, and pictures recorded in the ID card;
An infrared ray sensing unit for acquiring an infrared ray transmission value of the identification card;
An ultraviolet ray sensing unit for acquiring an ultraviolet reflection value of the identification card;
A database storing a standard infrared transmission value corresponding to the identification card; And
And a control unit for determining the validity of the resident registration number of the ID card acquired by the OCR processing unit and comparing the IR transmission value of the ID card with the standard IR transmission value stored in the database,
Wherein,
An identification card identification unit for determining the type of the identification card through a resultant value read by the OCR processing unit;
A resident registration number determination unit for determining the validity of the resident registration number acquired by the OCR processing unit based on the resident registration number generation logic;
An infrared ray falsification determiner for comparing the infrared ray transmission value detected by the infrared ray detector with a standard infrared ray transmission value corresponding to the ID stored in the database; And
An ultraviolet ray falsification determining unit for comparing the ultraviolet ray reflection value sensed by the ultraviolet ray sensing unit with a standard ultraviolet ray reflection value corresponding to the identification card stored in the database;
Further comprising an unattended financial transaction system. (a) checking whether the customer's ID card is falsified or altered;
(b) confirming whether or not the user is a face photograph obtained from a scene and a face photograph obtained from a counterfeit and unmodified normal ID card;
(c) creating an account after confirming the person through a face photograph;
(d) registering the password of the account and storing it in the financial institution server
(e) registering the biometric information of the customer and storing the registered biometric information on the medium;
(f) storing an electronic signature solution on the medium; And
(g) issuing the medium;
The method comprising the steps of: The method as claimed in claim 7, wherein the step (a) comprises the steps of: capturing an image of an ID card input by a customer and detecting image information; comparing infrared and ultraviolet ray transmittance values obtained by irradiating the identification card with infrared rays and ultraviolet rays; And comparing the ultraviolet ray transmission value to determine whether the identification card is falsified or altered. The unmanned financial transaction method according to claim 7, wherein the biometric information includes at least one selected from the group consisting of fingerprint information, iris information, and vein information. 8. The method as claimed in claim 7, wherein the biometric information includes fingerprint information, and the fingerprint information includes normal transaction fingerprint information and abnormal transaction fingerprint information. The unmanned financial transaction method according to claim 10, wherein the normal transaction fingerprint information is fingerprint information of detection, and the abnormal transaction fingerprint information is fingerprint information of detection and suspension. 8. The method as claimed in claim 7, wherein the medium is a check card having an IC chip built therein. 8. The method of claim 7, wherein after step (g)
Confirming whether the customer's ID card is falsified or altered;
Confirming the identity of the user by the digital signature solution through contactless communication between the medium and the terminal when the identification card is determined as not being falsified or tampered; And
If the electronic signature solution is confirmed by the electronic signature solution, proceeding with the financial transaction by inputting the password of the account;
The method comprising the steps of: 8. The method of claim 7, wherein after step (g)
Confirming the identity through the digital signature solution through contactless communication between the medium and the terminal; And
Confirming whether the fingerprint information inputted by the customer is identical to the fingerprint information stored in the medium when the fingerprint information is confirmed by the digital signature solution;
The method comprising the steps of: 15. The method of claim 14,
Wherein when the fingerprint information inputted by the customer is fingerprint information for normal transaction, a financial transaction is performed after inputting the password of the account. 15. The method of claim 14,
And when the fingerprint information inputted by the customer is abnormal fingerprint information, the transaction is stopped and the abnormal transaction is reported to the financial institution.

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