KR20200020154A - System and method for finacial service - Google Patents

Abstract

A financial service system according to the present invention includes: a real-name verification unit which processes the non-face-to-face real-name authentication of a customer for financial transactions; a generation unit which automatically generates an ID for the customer when the non-face-to-face real-name authentication is completed; and a login processing unit which processes login based on the ID. According to the present invention, user convenience can be achieved.

Description

Financial service system and its financial service method {SYSTEM AND METHOD FOR FINACIAL SERVICE}

The present invention relates to a financial service system and a financial service method thereof.

In the past, customers could go directly to financial institutions to handle their financial affairs and go through the network without visiting financial institutions. A representative example is telebanking or internet banking. Recently, as smart devices are widely used, the use of mobile banking for processing financial affairs using mobile devices has become common. Such telebanking, internet banking, and mobile banking are non-face-to-face financial business methods to handle business without facing employees of financial institutions. In this non-face-to-face financial business processing method, the customer requests financial business processing through his terminal, such as a wired telephone, a computer, and a smart phone, and the financial business processing result can be confirmed through his terminal.

In order to deal with such non-face-to-face financial affairs, customers must sign up and log in from web pages or apps provided by financial institutions.

On the other hand, conventionally, even in the case of non-face-to-face financial transactions, face-to-face verification procedures were required. Recently, however, there is a non-face-to-face process of initial identity verification, and financial institutions may also conduct a non-face-to-face blindness certification process. However, if the first transaction customer who had no transaction with the financial institution performed the non-face-to-face real-name verification process using the mobile banking app using a mobile device, a separate login process was required for the financial business process. This log-in is a process that must be performed separately each time a financial request is made, causing inconvenience to the customer.

The technical problem to be achieved by the present invention is to provide a financial service system and method for supporting a convenient login procedure when a customer whose real name verification is completed using a non-face-to-face real name authentication system makes a financial business request.

Financial service system according to an embodiment of the present invention is a real name verification unit for processing the non-face-to-face real-name authentication of the customer for financial transactions, the generation unit for automatically generating the ID for the customer when the non-face-to-face real-name authentication is completed, And a login processing unit that processes a login based on the ID.

The generation unit may generate the ID based on at least one of personal information and location information of the customer.

The generation unit may generate the ID using at least one of a customer name, a customer phone number, a serial number of the customer phone, and a GPS value of the customer phone.

The generation unit may store time information of generating the ID.

The real name verification unit may perform the non-face-to-face real name authentication by at least one method of mobile phone authentication, ID card shooting, and video call.

The login processing unit may process a login without a password during the first one-time login processing.

The login processing unit may set and process a separate password from the second login processing.

After the ID is generated may further include a secure medium issuing processing unit for processing secure medium issuance.

In a financial service method according to another embodiment of the present invention, a financial service system performs a financial service to a customer terminal, the method comprising: receiving a non-face-to-face real name authentication request from the customer terminal and processing the non-face-to-face real name authentication; Automatically generating an ID for the customer, and processing the login based on the ID.

The method may further include receiving a login request from the customer terminal before processing the login.

The generating may include generating the ID using at least one of a customer name, a customer phone number, a serial number of the customer phone, and a GPS value of the customer phone.

The generating may further include storing time information for generating the ID.

Processing the non-face-to-face real name authentication may include performing at least one method of mobile phone authentication, ID card shooting, and video call.

The step of processing the login may include the step of processing the login without a password during the first one-time login processing.

The step of processing the login may further include setting and processing a separate password from the second login process.

After the ID is generated, the method may further include a process of issuing a secure medium.

According to the present invention, when a customer whose real name is confirmed using a non-face-to-face real-name authentication system makes a financial business request, the financial service system automatically generates an ID and password for itself so that the user can conveniently log in. We can plan.

1 is a block diagram of an environment in which a financial service system according to an embodiment of the present invention operates.
2 is a block diagram of a financial service system according to an embodiment of the present invention.
3 is a block diagram of a customer terminal according to an embodiment of the present invention.
4 is a flowchart illustrating a financial service method according to an embodiment of the present invention.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, except to exclude other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, and the like described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

A financial service system and a financial service method thereof according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a block diagram of an environment in which a financial service system according to an embodiment of the present invention operates.

Referring to FIG. 1, the financial service system 100 is a server that processes a financial business in response to a financial business processing request of a customer terminal 200. The business includes opening and managing financial products such as money transfer, deposits and savings, deposits, withdrawals and settlements, and handles non-face-to-face financial affairs. When the financial service system 100 processes the non-face-to-face financial business according to the financial business processing request of the customer terminal 200, the financial service system 100 processes a non-face-to-face real name authentication process for the customer and performs a login procedure according to the customer's request. .

The customer terminal 200 is a device in which a customer accesses and communicates with the financial service system 100 through a network. The customer terminal 200 may include, for example, various communication devices such as various computers including tabs and notebooks, personal digital assistants (PDAs), mobile communication terminals including smart phones, and televisions (televisions, TVs). Can be.

Referring now to Figure 2 will be described in detail with respect to the financial service system according to an embodiment of the present invention.

2 is a block diagram of a financial service system according to an embodiment of the present invention.

Referring to FIG. 2, the financial service system 100 includes a real name checking unit 110, a generating unit 120, a login processing unit 130, a security medium issuing processing unit 140, and a financial business processing unit 150.

The real name verification unit 110 performs a non-face-to-face procedure in place of the real-name authentication process that the customer visited the financial institution when face-to-face when performing a financial task to the financial institution. Non-face-to-face real-name authentication can be performed using various methods such as mobile phone authentication, ID card shooting, and video call. On the other hand, along with the real-name authentication can receive the agreement agreement for the electronic financial transaction from the customer terminal 200.

The generation unit 120 generates an ID and a password for the customer who has completed the non-face-to-face real name authentication procedure in the real name verification unit 110. In this case, the ID may be generated using the personal information and the location information of the customer, and the generated visual information may be stored. At this time, the visual information may be used for the purpose of checking when repeating the ID. That is, the ID may be generated using at least one of a customer name, a customer phone number, a serial number of the customer phone, and a global positioning system (GPS) location value where the customer's phone is located. Accordingly, it is possible to prevent duplicate IDs generated for each customer. For example, if a customer named "Kim Hana" completes a non-face-to-face verification process at the Jongno-gu Grand Seoul Building with a mobile phone number of 010-1234-5678, the following ID may be generated.

That is, if your name is Kim Ha Na, phone number is 010 1234 5678, current location is 37.566535 latitude, longitude 126.977969, time is 2017.7.27 18:15, name initial, last 2 digits of phone number, latitude, last number The visual information generated and processed by ID by combining 2 digits of back digit and longitude is stored separately and used for checking when repeated use. In this case, the ID is generated from KHN + (34 + 37) & 56 + (78 + 126) & 97 and the ID can actually be KHN715620497. Even if the name is the same, if the location is different, the same ID cannot be generated, and it can be specified who and what time transactions are processed and from which phone. Even if an ID is generated based on the same location with the same phone number by using a cannon phone or the like, the validity of the ID is not recognized unless the processing time is completely the same.

The login processor 130 processes the login for the financial transaction based on the ID generated by the generator 120. In this case, the login processing unit 130 may automatically input the password in consideration of the time information of the generated ID up to the millisecond unit and process the login by comparing the ID with the value. According to the prior art, the electronic financial channel login method includes an ID / password, a certificate (a public certificate and a private certificate), and a biometric information. In addition, an automatically generated ID by non-face-to-face real name verification according to the present technology is also used as a login method. Adopt and proceed.

Meanwhile, the login processor 130 may process the login as completing the login at the time when the generation unit 120 automatically generates the ID.

In addition, the login processing unit 130 may be configured to log in with an ID without a first password and set a separate password from the second round.

When the generation unit 120 automatically generates an ID, the secure medium issuing processor 140 processes a software type security medium such as a mobile OTP or a mobile security card to be automatically issued.

The financial affairs processing unit 150 receives a financial affairs processing request from the customer terminal 200 after the login is completed in the login processing unit 130 and processes the corresponding financial affairs.

As described above, according to an embodiment of the present invention, once the non-face-to-face real name is confirmed, the automatic login is processed without a separate login procedure for the app using the mobile banking, thereby enabling continuous financial transactions in real time. Therefore, when the non-face-to-face name verification is completed, the mobile banking app can be easily accessed to improve work convenience, and financial institutions can improve the usability of the mobile banking system by eliminating the inconvenience that the customer has to log in separately. .

Referring now to Figure 3 will be described in detail with respect to the customer terminal according to an embodiment of the present invention.

3 is a block diagram of a customer terminal according to another embodiment of the present invention.

Referring to FIG. 3, the customer terminal 300 includes a communication unit 210, a memory 220, a display unit 230, an input unit 240, and a processing unit 250.

The communicator 210 is connected to the processor 250 to transfer data received through the network to the processor 250, and transmits data output from the processor 250 to the network.

In this case, the communication unit 210 may be connected to the financial service system 100 through a network to transmit and receive data related to a financial transaction, and may transmit the received data to the processing unit 250.

The memory 220 is connected to the processor 250 to store various information for driving the processor 250. The memory 220 may be a medium such as RAM such as Dynamic Random Access Memory (DRAM), Rambus DRAM, Synchronous Dynamic RAM (SDRAM), or Static RAM (SRAM). Can be implemented.

The memory 220 may be inside or outside the processing unit 250 and may be connected to the processing unit 250 by various well-known means.

In particular, the memory 220 stores a financial transaction-related application that works in conjunction with the operation of the financial service system 100.

Here, the financial transaction-related application is a web application, which may be downloaded and installed from an application transaction server such as an app store.

The financial transaction related application is, for example, a smartphone banking application, and is set to provide a user screen for information input and display for financial transactions that can be performed using the customer terminal 200.

The display unit 230 outputs information according to the operation of the processor 250 on the screen. The display unit 230 may be a flat panel display such as a liquid crystal display (LCD) or organic light emitting diodes (OLED), which are currently commercially available.

The input unit 240 is a means for inputting information from the user on the screen output by the display unit 230. The input unit 240 may include a pointing device including an optical joystick, a touch pad, a hall sensor, a fingerprint sensor, a pressure sensor, a keypad, a touch screen, and various input means may be adopted. The input unit 240 is connected to the processor 250 and transmits the received information to the processor 250.

The processor 250 may be implemented as a central processing unit (CPU), other chipsets, microprocessors, or the like, and the layers of the air interface protocol may be implemented by the processor 250.

A financial service method according to an embodiment of the present invention will now be described in detail with reference to FIG. 4.

4 is a flowchart of a financial service method according to an embodiment of the present invention.

Referring to FIG. 4, the customer terminal 200 transmits real name verification information for non-face-to-face real name authentication while applying for a financial service to the financial service system 100 for a financial transaction (S410).

The financial service system 100 processes the non-face-to-face real name authentication process based on the information received from the customer terminal 200 (S420). For example, the financial service system 100 may process non-face-to-face authentication using various methods such as mobile phone authentication, ID card shooting, and video call.

Thereafter, the financial service system 100 generates an ID and a password for the non-face-to-face real name authentication (S430). The ID may be generated using the customer's personal information and location information, and may store the generated visual information.

The customer terminal 200 transmits a login request to the financial service system 100 (S440). Then, the financial service system 100 automatically processes the generated ID and password (S450). And the financial service system 100 processes the login (S460). Alternatively, the financial service system 100 may automatically process the login of the customer terminal 200 after completing step S430.

Thereafter, the customer terminal 200 requests a financial service from the financial service system 100 (S470). Subsequently, the financial service system 100 processes the financial business requested by the customer terminal 200 (S480).

The embodiments of the present invention described above are not only implemented through the apparatus and the method, but may also be implemented through a program for realizing a function corresponding to the configuration of the embodiments of the present invention or a recording medium on which the program is recorded. Such a recording medium can be executed not only in the server but also in the customer terminal.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of rights.

Claims (16)

Real-name verification unit that processes the non-face-to-face real-name authentication of customers for financial transactions,
A generation unit for automatically generating an ID for the customer when the non-face-to-face real name authentication is completed, and
Login processing unit for processing the login based on the ID
Financial service system comprising a. In claim 1,
The generation unit,
Generating the ID based on at least one of the personal information and location information of the customer
Financial services system. In claim 1,
The generation unit,
Generating the ID using at least one of a customer name, a customer phone number, a serial number of the customer phone, and a GPS value of the customer phone;
Financial services system. In claim 1,
The generation unit,
To store the time information generated the ID
Financial services system. In claim 1,
The real name verification unit,
Performing the non-face-to-face blind name authentication by at least one method of mobile phone authentication, ID card shooting, and video call
Financial services system. In claim 1,
The login processing unit,
Financial service system that handles login without a password during the first login process. In claim 7,
The login processing unit,
Financial service system that sets and processes a separate password from the second login process. In claim 1,
After the ID is generated further comprises a secure medium issuing processing unit for processing secure medium issuance
Financial services system. A financial service system performs a financial service to a customer terminal.
Receiving a non-face-to-face real name authentication request from the customer terminal;
Processing the non-face to face real name authentication;
Automatically generating an ID for the customer, and
Processing login based on the ID;
Financial service method comprising a. In claim 9,
Before processing the login
Receiving a login request from the customer terminal
Financial service method comprising more. In claim 9,
The generating step,
Generating the ID using at least one of a customer name, a customer phone number, a serial number of the customer phone, and a GPS value of the customer phone;
Financial service method comprising a. In claim 11,
The generating step,
Storing the visual information generated by the ID
Financial service method comprising more. In claim 9,
Processing the non-face to face real name authentication;
Performing at least one method of mobile phone authentication, ID card shooting, and video call
Financial service method comprising a. In claim 9,
The step of processing the login,
When logging in for the first time
Financial services method. The method of claim 14,
The step of processing the login,
Process of setting a separate password from the second login process
Financial service method comprising more. In claim 9,
And processing a security medium issuance after the ID is generated.

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