KR20030095545A - Identification system for on-line watching network and control method thereof - Google Patents

Abstract

PURPOSE: A system for confirming identity using an on-line monitoring network is provided to accept and manage missing of identification cards on-line, thereby preventing accidents due to surreptitious identification card and forgery. CONSTITUTION: An operation managing element(320) manages general operation items of a system. An identification card managing element(330) receives identification card information from a client terminal(100) for accepting a missing report, and extracts the identification card information for providing the same to the banking organization servers(200) according to requests. A credit estimation managing unit(340) receives personal monetary information from the client terminal(100) and the banking organization servers(200) for estimating and storing personal credit, and extracts the personal credit information for providing the same. A member managing unit(350) receives information related to registration of members from the client terminal(100) for managing the members. If receiving reports of surreptitious identification card and forgery, the banking organization servers(200) report the same to the members. A database management unit(360) includes an operation management database(361), an identification card management unit(362), a credit estimation management(363), and a member management unit(364).

Description

IDENTIFICATION SYSTEM FOR ON-LINE WATCHING NETWORK AND CONTROL METHOD THEREOF}

The present invention relates to an identification system using an online surveillance network and a control method thereof. More specifically, the identification and theft of identity cards are performed by inquiring and verifying the identity of a person during a financial transaction by receiving and managing an individual's identity loss online. The present invention relates to an identification system using an online surveillance network and a control method thereof, which prevents economic and social damages by blocking an accident caused by / modulation at the source.

Normal identification cards (resident registration cards, driver's licenses, etc.) are used as important documents to verify the identity of individuals in financial transactions and various economic activities.

On the other hand, although the identification card is very important as described above, it is frequently lost because it is produced and possessed in the form of a card.

In the case of losing an identification card, it is common to report it to a public institution such as a government office or a police station, and then use it after reissuing it.

However, in the past, if a user has lost his / her ID card and reissued it, there is no system for notifying a financial institution. Therefore, a person who has acquired a lost ID card can use it to make financial transactions (illegal loan, guarantee, account opening). In case of use, financial accidents are caused by identity theft and forgery / falsification.

Accordingly, the present invention is to solve the above-mentioned conventional problems, the purpose is to receive and manage the identity of a person's identity online, by inquiring and confirming their identity in advance during financial transactions, identity theft and misconduct It provides an identification system and control method using an online monitoring network to prevent damage caused by one's economic loss or socially bad credit by blocking accidents caused by / modulation.

1 is a block diagram showing an identification system using an online monitoring network according to the present invention.

2 is a flowchart illustrating a control method of an identification system using an online monitoring network according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: customer terminal 200: financial institution server

300: credit information query server 310: interface means

320: operation management means 330: identification card management means

340: credit management means 350: member management means

360: D / B management means 361: Operation management D / B

362 ID card management D / B 363 Credit rating management D / B

364: Membership Management D / B 400: Public Institution Server

Identification system using an online monitoring network according to the present invention for achieving the above object, identification system through a credit information query server connected online with a customer terminal and a plurality of financial institution server using a conventional interface means In the credit information query server, the operation management means for managing the overall operation of the system; Identification card management means for receiving the loss report by receiving identification information such as identification type, registration number, lost date, new issue date, etc. from the customer terminal, and extracting and providing this identification information when the financial institution server requests the inquiry. ; Credit rating management means for receiving personal financial information from the client terminal and a plurality of financial institution servers, evaluating and storing personal credit, and extracting and providing this personal credit evaluation information when the client terminal and the financial institution server request the inquiry. ; Member management is performed by receiving registration related information of the member from the customer terminal, and member management is notified to the member by e-mail or communication message when ID card theft and forgery / falsification are received from the financial institution server. Way; And operation management D / B storing operation management information, identification card management D / B storing lost report information, credit evaluation management D / B storing credit rating information, and member management D / B storing member registration information. D / B management that selectively stores or outputs the operation management information, lost report card information, credit evaluation information, member registration related information, etc. in each D / B according to the request of the respective management means. It comprises a means.

In addition, the financial institution server, to verify the identity of the person compared to the identification information of the individual provided from the credit information query server and the identification information of the individual requesting a financial transaction.

In addition, receiving the identification report, such as the type of identification card, registration number, lost date, new issuance date from the customer terminal, and receives the loss report, and further collects and transmits to the credit information query server further comprises a public institution server do.

The control method of the identification system using the online monitoring network according to the present invention is a control method of the identification system through a credit information query server connected online with a customer terminal and a plurality of financial institution servers using a conventional interface means. A member authentication step of registering and managing a member by receiving registration related information of a member from the customer terminal, and allowing a server to access a registered member; An ID card loss report reception step of transmitting an ID card loss report guide page to the customer terminal, and receiving and storing ID card information such as a type of ID card, a registration number, a lost date, and a new issue date from the customer terminal; A credit information inquiry request step of requesting a credit information inquiry of an individual attempting a financial transaction from the financial institution server; Provides to the financial institution server that retrieves the credit information of the individual by looking up the credit information of the individual, and checks whether or not there is a report of lost ID card, and if there is a report of lost ID card, the identification card information is sent to the financial institution server. Providing credit rating information and identification information provided together; In addition to verifying the credit information of the individual attempting to conduct financial transactions with the provided credit rating information, the server is notified of this fact when it is determined that the identity card has been stolen, tampered with, and prepared against the provided ID information and the personally entered ID information. Identification theft, forgery / forgery determination step; And the fact that the financial transaction attempts using the lost ID card to notify the identity of the identity card theft, forgery / forgery received from the financial institution server by e-mail or a communication message, characterized in that consisting of.

In addition, the credit information query server is further provided with a public institution server connected online, and receives the loss report by receiving the identification information, such as the type of identification card, registration number, lost date, new issue date from the customer terminal On the other hand, and further comprising the step of transmitting to the credit information query server.

Hereinafter, exemplary embodiments of the present invention will be described with reference to the accompanying drawings.

1 is a block diagram showing an identification system using an online monitoring network according to the present invention.

As shown, the system of the present invention is composed of a credit information query server 300 connected online with a customer terminal 100 and a plurality of financial institution server 200 using a conventional interface means (310). .

Here, the credit information query server 300, the operation management means 320, ID card management means 330, credit evaluation management means 340, member management means 350, D / B management means 360, Operation management D / B 361, ID card management D / B 362, credit rating management D / B 363, and member management D / B 364.

The operation management means 320 manages the overall operation of the system, and the identification card management means 330 receives the identification information, such as the type of identification card, registration number, lost date, new issuance date from the customer terminal 100 While receiving the loss report, the financial institution server 200 serves to extract and provide the ID information when the inquiry request.

Credit evaluation management means 340 receives the personal financial information from the customer terminal 100 and a plurality of financial institution server 200 to evaluate and store personal credit, while the customer terminal 100 and the financial institution server ( 200, this personal credit rating information is extracted and provided.

The member management means 350 receives member registration information from the customer terminal 100 and performs member management. When the identity card theft and forgery / falsification is received from the financial institution server 200, the member himself / herself It notifies to e-mail or communication message.

The D / B management means 360 requests the respective management means 320, 330, 340 and 350 for the operation management information, the reported identity card information, the credit rating information, and the member registration information. According to the D / B (361), 362, 363, 364 to selectively store or output.

Accordingly, operation management information is stored in the operation management D / B 361, ID card information stored in the identification card management D / B 362 is stored, and credit evaluation information is stored in the credit management D / B 363. The member management D / B 364 stores member registration information.

On the other hand, the financial institution server 200 is configured to check the identity of the person in contrast to the identification information of the individual provided from the credit information query server 300 and the identification information of the individual requesting a financial transaction.

In addition, while receiving identification information such as identification type, registration number, lost date, new issuance date, etc. from the customer terminal 100, and receives the loss report, collect it and transmit it to the credit information query server 300 The public institution server 400 is further provided.

2 is a flowchart illustrating a control method of an identification system using an online monitoring network according to the present invention.

As shown, the control method of the present invention through the credit information query server 300 connected online with the customer terminal 100 and the plurality of financial institution server 200 using the conventional interface means 310. A control method of an identification system comprising: a member authentication step of registering and managing a member by receiving registration related information of a member from the customer terminal (100), and allowing a server (300) to access a registered member; An ID card loss report reception step of transmitting an ID card loss reporting guide page to the customer terminal 100 and receiving and storing ID card information such as a type of ID card, a registration number, a lost date, and a new issue date from the customer terminal 100. ; A credit information inquiry request step of requesting a credit information inquiry of an individual who attempts a financial transaction from the financial institution server 200; Provides to the financial institution server 200 to look up the credit information of the individual to extract the credit rating information, and check whether or not there was a report of identity card loss, and if there is a report of identity card loss report the identification card information according to the financial information Providing credit rating information and ID card information provided together with the institution server 200; In addition to checking the credit information of the individual attempting a financial transaction with the provided credit rating information, if it is determined that the identity card is theft, forgery and forgery against the provided identification information and the identification information input by the individual, the server (300) ID theft, forgery / forgery determination step of notifying; And a financial transaction attempt fact reporting step using a lost ID card which notifies the user of an identity theft and forgery / falsification received from the financial institution server 200 by e-mail or a communication message.

In addition, the credit information query server 300 is further provided with a public institution server 400 connected online, the identification card, such as the type of identification card, registration number, lost date, new issue date from the customer terminal 100 While receiving the lost report receives the information, it is preferable to further include the step of transmitting to the credit information query server 300.

Referring to the operation of the present invention configured in this way in more detail as follows.

First, as shown, in the state provided with a credit information query server 300 is connected to the customer terminal 100 and a plurality of financial institution server 200 online using a conventional interface means 310, The user accesses the credit information query server 300 by using the customer terminal 100.

Then, as a normal procedure, when the user enters an individual's ID and password, the personal information is transferred to the credit information query server 300 via the interface means, and the member management means 350 is a member management D / B 364. Proceed with the membership certification process with reference to).

In this case, if the member is not registered, the member registration page is transmitted to the customer terminal 100. After the user fills out the details on the member registration page, and transmits to the credit information query server 300 using the customer terminal (100). The member management means 350 receives member registration related information from the customer terminal 100 and stores the member registration D / B 364 through the D / B management means 360 to register and manage members. In the case of a registered member, the server 300 is allowed to access.

Thereafter, the ID card management means 330 transmits an ID card loss reporting guide page to the customer terminal 100. Therefore, a user who wishes to report a lost ID card inputs identification information such as a type of ID card, a registration number, a lost date, a new issue date, and the like through the customer terminal 100 according to the guidance disclosed on the guide page. Is sent to the server 300.

The ID card management means 330 stores the ID card information input as described above in the ID card management D / B 362 through the D / B management means 360, thereby completing the ID card loss report acceptance step.

Here, the D / B management means 360 manages the ID card management D / B (362) and the member management D / B (364) in a mutually interconnected manner, which is integrated and organic to which member reported the lost ID card Manage with.

On the other hand, when a specific individual requests a financial transaction, such as loans, loans, guarantees, account opening, etc. to the financial institution through online / offline, the person in charge of the financial institution through the financial institution server 200 credit information query server 300 Requests to retrieve credit information of individuals attempting financial transactions.

Accordingly, the credit rating management means 340 extracts the credit rating information of the individual requested by referring to the credit rating management D / B 363, while the identification card management means 330 is the identification card management D / B 362. After confirming whether there is a report of identification loss of the individual, and if there is a report of identification loss, ID information is extracted accordingly.

The credit information query server 300 transmits the extracted credit rating information and ID information to the financial institution server 200.

Therefore, the financial institution server 200 checks the credit information of the individual who attempts a financial transaction with the provided credit rating information, and compares the provided ID card information and the personal ID card information input by the individual, and forgery / falsification of the ID card. Determine the cognition.

For example, by comparing the issuance date of the identification card input when the identification card is lost and the issuance date of the identification card presented by the individual who wishes to conduct a financial transaction, it may be determined that the date is different from being stolen or forged. In addition, it is possible to more accurately determine the authenticity of the identification card by comparing the information entered in the identification information as a whole.

Such a determination process may be processed online in real time, and may be performed by various methods such as collecting the transmitted information for a predetermined time and batch processing the batch information at a specific time.

Accordingly, the financial institution server 200 stops the financial transaction if it is determined that the identity card that attempted the financial transaction is theft, forged / forged, and notifies the credit information inquiry server 300 immediately.

The member management means 350 of the credit information query server 300 uses a communication message such as an e-mail or a voice of a mobile phone, a text message, etc. to the person of identity theft and forgery / falsification received from the financial institution server 200. In this case, the financial transaction using the lost ID card can be confirmed by the user.

Therefore, the present invention receives and manages the fact of losing an individual's ID on-line, and inquires and confirms his / her identity in advance in a financial transaction, thereby preventing accidents caused by identity theft and forgery / falsification, thereby causing his / her economic loss. Or to prevent social damage such as bad credit.

On the other hand, the fact that the identification card lost may be reported to a public institution such as a normal office, police station, in this case, the public institution server 400, the type of identification card, registration number, lost date, new from the user or the customer terminal 100 While receiving ID report information such as the date of issuance, and receiving the lost report, it is collected and sent to the credit information query server 300, the identification card management means 330 sends this information to ID card management D / B (362) By managing the storage, it is possible to integrate and manage the information about the identification card loss more efficiently.

The present invention is not limited to the above-described embodiments, and various modifications can be made by those skilled in the art without departing from the gist of the present invention as claimed in the claims. Such changes are intended to fall within the scope of the claims set forth herein.

As described above, according to the identification system and the control method using the online surveillance network according to the present invention, the present invention receives and manages the identity of the person's identification on-line online, and inquires their identity in advance during financial transactions. By verifying, it is possible to prevent accidents caused by identity theft and forgery / falsification at the source, thereby preventing damages such as financial loss or socially poor credit.

Claims (5)

In the identification system through the credit information query server 300 connected online with the customer terminal 100 and the plurality of financial institution server 200 using the conventional interface means 310, The credit information query server 300, Operation management means 320 for managing the overall operation of the system; The identification information is received from the customer terminal 100, the identification number of the identification card, registration number, lost date, new issue date, etc., and the lost report is received, and the identification information is extracted when the financial institution server 200 requests the inquiry. Providing identification card management means 330; Receives personal financial information from the customer terminal 100 and the plurality of financial institution server 200, evaluates and stores personal credit, while requesting the inquiry from the customer terminal 100 and the financial institution server 200. Credit rating management means 340 for extracting and providing credit rating information; Member registration information is received from the customer terminal 100 to perform member management, and if the identity card theft, forgery / forgery is received from the financial institution server 200, it is sent to the member by e-mail or a communication message. Member management means 350 for notifying to the user; And Operation management D / B (361) storing operation management information, identification card management D / B (362) storing lost report ID information, credit evaluation management D / B (363) storing credit rating information, member registration information It includes a member management D / B (364) stored, the management information (320, 330, 340), the operation management information, lost report ID information, credit rating information, member registration information, etc. Using the on-line monitoring network, characterized in that it comprises a D / B management means 360 to selectively store or output to each of the D / B (361) (362) (363) (364) at the request of (350) Identification system. The method of claim 1, wherein the financial institution server 200, Identification system using an online monitoring network, characterized in that to verify the identity of the person in contrast to the identification information of the individual received from the credit information query server 300 and the identification information of the individual requesting financial transactions. The method of claim 1, A public institution that receives ID reports such as ID types, registration numbers, lost dates, new issuance dates, etc. from the customer terminal 100 and collects them and sends them to the credit information inquiry server 300. Identification system using an online monitoring network, characterized in that it further comprises a server (400). In the control method of the identification system through the credit information query server 300 connected to the customer terminal 100 and a plurality of financial institution server 200 online using a conventional interface means 310, A member authentication step of registering and managing a member by receiving registration related information of a member from the customer terminal 100 and allowing a server 300 to access a registered member; An ID card loss report reception step of transmitting an ID card loss reporting guide page to the customer terminal 100 and receiving and storing ID card information such as a type of ID card, a registration number, a lost date, and a new issue date from the customer terminal 100. ; A credit information inquiry request step of requesting a credit information inquiry of an individual who attempts a financial transaction from the financial institution server 200; Provides to the financial institution server 200 to look up the credit information of the individual to extract the credit rating information, and check whether or not there was a report of identity card loss, and if there is a report of identity card loss report the identification card information according to the financial information Providing credit rating information and ID card information provided together with the institution server 200; In addition to checking the credit information of the individual attempting a financial transaction with the provided credit rating information, if it is determined that the identity card is theft, forgery and forgery against the provided identification information and the identification information input by the individual, the server (300) ID theft, forgery / forgery determination step of notifying; And Identification using the online surveillance network, characterized in that the financial transaction attempts using the fact that the identity card theft, forgery / forgery received from the financial institution server 200 by using a lost identity card to notify the person by e-mail or communication message Control method of confirmation system. The method of claim 4, wherein It is further provided with a public institution server 400 connected online to the credit information query server 300, the identification information, such as the type of identification card, registration number, lost date, new issuance date from the customer terminal 100 While receiving the lost report received the input, collecting the information sent to the credit information query server 300, the control method of the identification system using an online monitoring network, characterized in that it further comprises.