KR20080010549A - Loan pass card dispenser - Google Patents

Abstract

A loan pass card dispenser is provided to issue a loan pass card by a one stop by offering loan related documents, which is required to issue the loan pass card, to a financial organization. An authentication control unit(110) obtains the fingerprint information to compare with a fingerprint image of an identification card of a customer to authenticate the customer. An authentication request unit(120) transmits the result of the authentication to a financial organization server(200), and requests the authentication number to be transmitted to a user terminal device. An input unit(150) inputs the authentication number and a password of the customer. A card issuing unit(160) issues a loan pass card to which the password is recorded.

Description

Loan pass card dispenser

1 is an external view of an unmanned loan processing apparatus according to the present invention,

2 is an internal block diagram of an example of the unmanned loan processing apparatus shown in FIG. 1;

3 is a detailed structural diagram of an example of a certificate insert shown in FIG. 1;

Figure 4 is a block diagram of an unmanned loan processing apparatus according to another embodiment of the present invention,

5 is a view for conceptually explaining a method of inputting a handwriting on a touch screen;

6 and 7 are views for explaining a method of authenticating a customer using the handwriting information of the customer,

8 is a view for explaining the structure of the core and the triangular point provided in the fingerprint,

9-13 is a diagram showing a sentence pattern of a fingerprint;

14 is a conceptual diagram illustrating the process of issuing an authentication and a loan card according to the present invention; and

15 illustrates an example of providing a loan to a customer's deposit account through an unmanned loan processing apparatus according to the present invention.

* Description of the symbols for the main parts of the drawings *

100: unmanned loan processing device 110: authentication control unit

120: authentication request unit 130: scanning unit

140: face imaging unit 150: keypad

160: card issuing unit 170: certificate processing unit

200: financial institution server

Korean Patent Publication 10-2002-0059949

Korean Patent Publication 10-2004-0021747

Korea Utility Model Registration No. 181614

The present invention relates to an unmanned loan processing apparatus, and in particular, handwriting, fingerprints, identification cards, and loan-related documents (such as a resident registration copy, a seal certificate, a copy of a health insurance card, a copy of a certificate of employment, a certificate of employment, a certificate of enrollment, etc.) presented by a customer. Loan card is issued to the customer, but the customer is authenticated using the mobile terminal of the customer, or the customer is authenticated using the handwriting of the customer, and the authenticated customer is issued a financial institution such as a bank using the issued loan card. The present invention relates to an unmanned loan processing apparatus for withdrawing a loan from a cash payment terminal.

For efficient manpower management, many financial institutions operate unmanned cash payments and kiosk-type unmanned terminals for account bookkeeping. These unmanned terminals obtain customer information from the customer's card and credit card, and compare the information with information provided on the server of the financial institution to determine whether to permit the financial transaction. Currently, various methods and systems for unmanned financial institutions have been proposed, and summarized patent documents as follows.

Korean Patent Publication No. 10-2002-0059949 (hereinafter referred to as "the first document") uses a fingerprint reader mounted on a CD and an ATM to process financial transactions using fingerprints having a unique form for each individual. After verifying the identity of a trader, a financial transaction method using a fingerprint for requesting a fingerprint transaction approval from a financial institution is disclosed. To this end, in the first document, financial institutions compare the fingerprint data acquired from the trader's fingerprint and the resident registration card in response to the fingerprint transaction request from the trader, and permit financial transactions according to the result. This should be confirmed in real time. Korean Patent Publication No. 10-2004-0021747 (hereinafter referred to as "2nd document") captures a user's face and transmits it to a network server for identity verification, and scans a user's fingerprint and user's identification card to a network server. A loan-only card issuing apparatus is disclosed which allows a network server to verify a user's identity by transmitting.

Korean Utility Model Registration Publication No. 181614 (hereinafter referred to as "3rd document") discloses a cash withdrawal device for storing a fingerprint in a storage means and withdrawing cash by determining the coincidence with the fingerprint stored in the card.

The first, second and third documents mentioned above allow financial transactions with reference to whether the user's fingerprint matches the fingerprint of the identification card. However, if the ID card is forged, there is a significant risk in determining whether or not the financial transaction is granted based on the coincidence of the fingerprints.

Therefore, an object of the present invention is to check the identity of the customer even if the identification card of the customer is altered, and when the customer creates a loan card, documents required for the generation of the loan card (resident registration copy and seal certificate and other financial institutions requested by By providing documents together with the financial institution server, it provides a unmanned loan processing device that allows customers to receive a loan card one-stop.

According to the present invention, according to the present invention, the fingerprint of the customer to obtain the fingerprint information, and the authentication control unit for authenticating the customer by comparing it with the fingerprint image obtained from the identification card of the customer, and transmits the authentication result to the financial institution server And an authentication requesting unit requesting the financial institution server to transmit an authentication number for authenticating the customer to a mobile terminal of the customer, an authentication number provided to the customer at the financial institution server, and a password input of the customer. And a card issuing unit for issuing a loan card including the password after authenticating the customer, and having the customer directly enter a password or giving a password to the customer, when a correct authentication number is input to the input unit and the input unit. Is achieved.

Preferably, the apparatus further includes a scanning unit scanning a loan related document, wherein the authentication requesting unit may provide a scanning image of the loan related document to the financial institution server.

Preferably, the apparatus further includes a document processing unit for discarding the loan-related document on which the scanning process is completed.

The document processing unit may puncture the loan-related documents in order to prevent reuse of the loan-related documents.

The document processing unit may fade the loan-related documents to prevent reuse of the loan-related documents.

The loan-related documents may be any one of a copy of a resident registration, a seal certificate, a copy of a health insurance card, a copy of the abduction tax certificate, a certificate of employment, and a certificate of enrollment.

The loan card may be any one of a magnetic card and an RFID card.

Preferably, the apparatus further comprises a face imager which captures the face part of the customer to generate face image information for the customer, and provides the face image information to the financial institution server through the authentication requester.

Preferably, the apparatus further includes a touchpad for receiving a handwritten sign of the customer.

The authentication request unit may block issuance of the loan card to the customer when the customer does not input the authentication number within a preset time through the input unit.

The authentication controller detects a plurality of triangular points constituting the fingerprint of the customer, and contrasts the fingerprint image based on the positional relationship between the triangular points.

The authentication control unit may be configured to authenticate the customer by comparing the sentence type of the fingerprint constituting the fingerprint of the customer with the sentence type of the fingerprint image obtained from the fingerprint image.

The input unit may input a loan amount that the customer wants to borrow, and the amount input by the customer is provided to the financial institution server through the authentication request unit.

Preferably, the loan card includes any one of a password input by the customer through the input unit, information on the loan amount, and an interest rate on the loan amount.

The input unit is preferably composed of a touch screen.

According to the present invention, an authentication control unit connected to a financial institution server, obtains fingerprint information by capturing a fingerprint of a customer, and authenticates the customer by comparing it with a fingerprint image obtained from the identification card of the customer, the authentication. An authentication request unit for transmitting the result to a financial institution server, requesting the financial institution server to transmit an authentication number for authenticating the customer to a mobile terminal of the customer, and inputting an authentication number provided to the customer at the financial institution server And an input unit for processing the customer, when the customer inputs a correct authentication number through the input unit, the customer inputs information about a loan payment account for receiving the loan money through the input unit, and the financial institution server Unmanned credit card that transfers the money the customer desires to the customer's loan payment account. Achieved by an exit treatment unit.

The financial institution server may acquire the information on the deposit account input by the customer, and after confirming the real name of the customer, transfer the loan to the deposit account.

Preferably, the apparatus further includes a scanning unit scanning a loan related document of the customer, wherein the authentication requesting unit provides a scanning image of the loan related document to the financial institution server.

Preferably, the apparatus further includes a document processing unit for discarding the loan-related document on which the scanning process is completed.

The loan card may be any one of a magnetic card and an RFID card.

Preferably, the apparatus further comprises a face imager which captures the face part of the customer to generate face image information for the customer, and provides the face image information to the financial institution server through the authentication requester.

The above object is, according to the present invention, a handwriting input unit for receiving the handwriting of the customer, a first authentication control unit for authenticating the customer by comparing the handwriting data input from the financial institution server through the handwriting input unit, the first authentication A second authentication controller for authenticating the customer by capturing the fingerprint of the authenticated customer in the control unit and obtaining fingerprint information on the customer, and comparing the fingerprint image with the fingerprint image obtained from the identification card of the customer; An authentication request unit which requests the financial institution server to transmit the authentication number for authenticating the customer to the mobile terminal of the customer, and processes the input of the authentication number and password provided to the customer by the financial institution server. The input unit, and if the correct authentication number is input to the input unit, the customer is authenticated, and then the customer This is accomplished by a card issuing unit for issuing a loan card to the customer after having to enter the password directly or giving the password to the customer.

Preferably, further comprising a certificate scanning unit for scanning any one of the resident registration card, seal certificate, medical insurance card, copy of the cardiac tax certificate, employment certificate, and enrollment certificate of the customer, the certificate scanning unit, through the authentication request unit The scanned certificate image may be transmitted to the financial institution server.

Preferably, the apparatus further includes a certificate processing unit for destroying a certificate in which the scanning processing is completed in the certificate scanning unit among the resident registration copy, seal certificate, medical insurance card copy, abdominal muscle certificate copy, employment certificate, and enrollment certificate.

Preferably, the apparatus further comprises a face imager which captures the face part of the customer to generate face image information for the customer, and provides the face image information to the financial institution server through the authentication requester.

The authentication request unit may block the issuance of the loan card to the customer when the customer does not input the authentication number within a predetermined time through the input unit.

The authentication controller detects a plurality of triangular points constituting the fingerprint of the customer, and preferably contrasts the fingerprint image based on the positional relationship between the triangular points.

The authentication control unit may be configured to authenticate the customer by comparing the sentence type of the fingerprint constituting the fingerprint of the customer with the sentence type of the fingerprint image obtained from the fingerprint image.

The input unit may input a loan amount that the customer wants to borrow, and the amount input by the customer is provided to the financial institution server through the authentication request unit.

The first authentication controller calculates a cumulative ratio of each syllable to the total length of each syllable constituting the handwriting of the customer obtained through the handwriting input unit, and configures handwriting data provided from the financial institution server. The cumulative ratio of each syllable is calculated with respect to the total length of each syllable, and the customer may be authenticated by comparing the cumulative ratio calculated through the handwriting input unit with the cumulative ratio calculated for the handwriting data.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 shows an external view of an unmanned loan processing apparatus according to the present invention.

The unmanned loan processing apparatus shown in the drawing includes a display unit 101, an ID card insertion slot 102, a certificate inserting slot 103, an input unit 104, a loan card exit 105, a fingerprint imaging unit 111, and a camera 107. ) Is provided.

The display apparatus 101 may display one of a usage of a loan card, an introduction and advertisement for an agency issuing a loan card, and a company advertisement of a company that has requested an advertisement. In the ID card insertion slot 102, a customer who wants to issue a loan card is inserted with his or her ID card (resident registration card and another ID card having fingerprint information of the customer). The document insertion slot 103 is provided with loan-related documents required for issuing a customer's loan card, such as a copy of the customer's resident registration, a seal certificate, a copy of a medical insurance card, a copy of the abdominal tax certificate, a certificate of employment, and a document requested by a financial institution or other financial institution. One of them is inserted. Certificate inserting port 103 is preferably implemented so that the storage box for storing the certificate according to the operation of the customer can enter. This will be described with reference to FIG. 3 together.

FIG. 3 shows a detailed structural diagram of an example of the certificate insertion slot 103 shown in FIG. 1.

As shown in the drawing, the document insertion slot 103 is provided with a storage box 103c and a driving button 103a for driving the storage box 103c. When the customer presses the driving button 103a, the storage box 103c is discharged to the outside of the unmanned loan processing apparatus 100, and the customer stores the loan-related documents (e.g., resident registration copy, seal certificate, medical insurance card copy, After inserting a copy of the abdominal muscle certificate, employment certificate, and school enrollment certificate), the driving button 103a is pressed again to load the storage box 103c into the unmanned loan processing apparatus 100. At this time, the lower surface 103b of the storage box 103c is formed of a transparent or semi-transparent material, and after the storage box 103c is loaded into the unmanned loan processing apparatus 100, it is provided inside the unmanned loan processing apparatus 100. A separate scanning device (not shown) is scanning the lower surface 103b. The scanned certificate file is provided to a financial institution server (not shown), and the scanned certificate file can be faded or punched out to be reused. Fade processing means processing that loan documents do not serve as a certificate by drawing red lines on the loan documents or coloring certain areas of the loan documents, and puncturing is one or more of the loan documents. It means the process of drilling a hole. Thereafter, faded or perforated loan-related documents are preferably collected and destroyed through separate personnel.

The fingerprint imaging unit 111 acquires fingerprint information by scanning a thumb of a customer. The fingerprint information reads the fingerprint form (categorized into the form of a fingerprint, usually an arc, a double sentence, a double sentence, a regular sentence, and a half sentence), and a plurality of triangular points provided on the fingerprint.

The input unit 104 has a form in which the LCD 104b and the touch screen 104a are combined, and when the fingerprint image displayed on the ID card presented by the customer matches the fingerprint information of the customer, the input from the financial institution server (not shown) is performed. It is provided for the customer to input the authentication number provided to the mobile terminal. At this time, it may be confirmed through the information connection with the mobile carrier that the input customer is the true owner of the mobile terminal, in this case it may be sent a message on the screen to confirm that the true mobile phone owner.

When the fingerprint information of the customer and the fingerprint image match, the unmanned loan processing apparatus 100 notifies this to the financial institution server, and the financial institution server provides the authentication number to the mobile terminal of the customer. When the customer provides the authentication number provided by the financial institution server to the unmanned loan processing apparatus 100, the loan card may be provided through the loan card exit 105. Therefore, the unmanned loan processing apparatus 100 according to the present invention does not issue a loan card if it does not obtain an authentication number provided through a mobile terminal of the customer, and the certificate of preparation for the loan by the customer to the financial institution server. By sending, the customer can complete all the procedures necessary for the loan in the unmanned loan processing device (100). The customer may withdraw the cash by inserting the loan card obtained from the unmanned loan processing apparatus 100 into the unmanned cash dispenser or present it to a financial institution (for example, a bank and a second financial sector) to receive cash.

Here, the above authentication number is provided through a mobile terminal of the customer so that when the customer enters the authentication number, the customer can directly enter a password for withdrawing cash or give the password to the customer, and then enter the password on the card. By using the above password when the customer withdraws the cash, you can be sure that you are the true owner of the loan card.

 Meanwhile, the unmanned loan processing apparatus 100 may photograph a face part of a customer by using the camera 107 to prevent a financial accident that may occur, and the captured face part image may be stored in a financial institution server. have.

FIG. 2 shows an internal block diagram of an example of the unmanned loan processing apparatus shown in FIG. 1.

The unmanned loan processing apparatus shown in the figure, the authentication control unit 110, the authentication request unit 120, the scanning unit 130, the face image pickup unit 140, the keypad 150, the card issuing unit 160, and the certificate processing unit 170 is provided.

The scanning unit 130 scans any one of documents related to the loan of the customer, such as a customer's seal certificate, a copy of the resident registration, a copy of the medical insurance card, a copy of the abdominal tax certificate, a certificate of employment, a certificate of enrollment, and other documents requested by financial institutions. Generate and provide it to the authentication request unit 120. The face imaging unit 140 captures a face of a customer using a camera (for example, a camera 107 provided in an unmanned loan processing apparatus), generates a face image, and provides the face image to the authentication requesting unit 120.

The authentication controller 110 captures the fingerprint of the customer to obtain fingerprint information, and compares it with the fingerprint image captured and acquired by the ID card capture unit 112 to determine whether there is a match between the two. Preferably, the authentication controller 110 includes a fingerprint imaging unit 111, an ID imaging unit 112, and a fingerprint comparison unit 113, the fingerprint comparison unit 113 is a triangular point determination unit 113a, and sentence pattern The determination unit 113b is provided. The fingerprint imaging unit 111 acquires fingerprint information of a customer by scanning a fingerprint. The obtained fingerprint information is converted into an image format such as JPEG, and the converted fingerprint information is provided to the fingerprint comparator 113. The ID card capture unit 112 acquires the fingerprint image included in the ID card by scanning the ID card inserted by the customer through the ID card insertion hole 102, converts the acquired fingerprint image into an image format such as JPEG, and then compares the fingerprint unit 113. To provide. In this case, the image format provided from the fingerprint imaging unit 111 and the identification card imaging unit 112 to the fingerprint comparator 113 is preferably the same format. The fingerprint comparator 113 compares the obtained fingerprint information with the fingerprint image to determine whether they match. To this end, the fingerprint comparator 113 may determine whether the fingerprint is matched by comparing the fingerprint information with a triangular point of the fingerprint included in the fingerprint image and a sentence pattern. The triangular point determination unit 113a determines whether or not the fingerprints match through an angle formed by the core distributed in the fingerprint and a plurality of triangular points. This will be described with reference to FIG. 8 together.

8 shows a diagram for explaining the structure of the core and the triangular point provided in the fingerprint. In the figure, the core is located at the center of the fingerprint and represents the portion where the ridges are gathered to have the shape of a circle (or ellipse). The ridge refers to the protruding area of the fingerprint, and the fingerprint on the ID card is usually formed by the ink on the ridge. A triangular point represents a point where ridges gather to form a triangle, and at least one triangular point is distributed in one fingerprint. The triangular point determiner 113a determines the core and the triangular point in the fingerprint information and the fingerprint image, and then determines whether the fingerprint information matches the fingerprint image through the similarity between angles formed by the core and the triangular points provided in the fingerprint information and the fingerprint image. . The sentence determining unit 113b determines a sentence type of the fingerprint information and the fingerprint image (argument sentence, two sentence sentence, double sentence sentence, regular sentence, and half sentence), and compares the two. For reference, a sentence pattern of the fingerprint may be referred to FIGS. 9 to 13. 9 to 13 show an arc-shaped door, a double-headed door, a double door, a periodic door, and a half door, respectively.

The authentication requester 120 transmits the authentication result by the fingerprint of the customer to the financial institution server 200, and requests that the financial institution server 200 transmit the authentication number to the mobile terminal of the customer. The present invention does not issue a loan card only by matching a fingerprint image of a customer's fingerprint with a customer's identification card. Finally, the mobile terminal of the customer provides an authentication number for the loan card, and the customer sets a predetermined time (eg, 30). Second) only to enter the authentication number to the unmanned loan processing device 100 to issue a loan card to the customer. In this case, even if the ID card is forged, a loan card can be issued only when the mobile terminal of the customer is provided, so that even if the ID card is stolen, a financial accident is unlikely to occur. Here, the customer must input the contact of the mobile terminal to receive the authentication number through the input unit 104, the authentication requesting unit 120 provides the contact information of the mobile terminal entered by the customer to the financial institution server 200 The financial institution server 200 transmits the authentication number to the contact information of the mobile terminal.

As described above, if the above authentication number is provided through the customer's mobile terminal, and the customer enters the authentication number, the customer can directly enter a password for withdrawing cash or give the user a password, and then the password is the card. The password can be used to identify the true owner of the loan card when the customer withdraws cash.

After providing the loan card to the customer through the loan card exit 105, the document document processing unit 170 discards the resident registration copy or seal certificate inserted by the customer into the document insertion slot 103 to generate the loan card. To this end, the certificate processing unit 170 preferably has one of the forms described below.

1) A type of shredder that normally cuts documents.

2) A type of perforator that makes two to four holes in a document lose its proof function.

3) A type of fade device that causes a document to lose its proof function by displaying lines, faces, or text of a certain color (such as red).

The keypad 150 is provided for a customer to input his / her authentication number when the touch screen 104a malfunctions. The card issuing unit 160 issues a loan card having a magnetic, and records the customer information (customer's name, mobile terminal information, customer's authentication number, etc.) in the magnetic.

Figure 4 shows a block diagram of an unmanned loan processing apparatus according to another embodiment of the present invention.

The unmanned loan processing apparatus 100 shown in FIG. 2 is similar to that described above with reference to FIG. 2, but receives a customer's handwriting and receives the customer's handwriting data. The credit bureau server (not shown) and a card company server (not shown) are provided. And acquiring handwriting data through one of the financial institution server (eg, reference numeral 200), and then comparing the two to authenticate the customer. Therefore, reference numerals for members having similar or identical functions to those shown in FIG. 2 are given the same as in FIG. 2, and overlapping descriptions thereof will be omitted.

In the drawing, the handwriting input unit 181 may be implemented through the touch screen 104a shown in FIG. 1. The handwriting input unit 181 obtains the handwritten sign of the customer through the touch screen 103a and generates handwriting information on the same, and the financial institution server having the handwriting image of the customer through the authentication requesting unit 120 ( 200) (or a card company server or a credit bureau server, which will be omitted later) request handwriting data transmission. In this case, the handwriting input unit 181 may input the handwriting into a specific area 104c of the touch screen 104b by using the stylus pen 140b as shown in FIG. 5 to receive the handwriting of the customer. In this case, the stylus pen 140 may be attached to one side of the unmanned loan processing apparatus 100.

The first authentication controller 182 obtains the handwriting image from the financial institution server 200 through the authentication requesting unit 120 and checks the handwriting information with the handwriting information obtained from the handwriting input unit 181 to authenticate the customer. A method of authenticating the customer through the handwriting information and the handwriting image will be described with reference to FIGS. 6 and 7.

6 illustrates an example of handwriting information of a customer, and FIG. 7 illustrates an example of handwriting data provided from the financial institution server 200.

First, the first authentication controller 182 partitions an area occupied by each syllable ("hong", "gil", and "dong") forming the handwriting (Hong Gil-dong) of the customer shown in FIG. The proportion of each syllable divided by the length A occupies is determined. For example, the first authentication controller 182 may include a syllable "hong" in the handwriting of the customer shown in FIG. 6 (a1 / A), a syllable "road" in the ratio (a2 / A), and syllable "dong". The ratio a3 / A occupies this is calculated. In the same manner, the first authentication controller 182 calculates the ratios b1 / B, b2 / B, and b3 / B of the syllables in the handwriting data shown in FIG. Through this, the first authentication controller 182 may authenticate the customer through the similarity between the ratio of the syllables constituting the handwriting of the customer and the ratio of the syllables constituting the handwriting data provided from the financial term server 200. If authentication by handwriting is successful, the first authentication controller 182 proceeds to the authentication process through the fingerprint of the customer, which is duplicated as described above with reference to FIG.

14 is a conceptual diagram illustrating the process of issuing an authentication and a loan card according to the present invention.

As shown, when the customer provides the ID card, fingerprint, handwriting, and loan related documents to the unmanned loan processing device 100, the unmanned loan processing device 100 is the fingerprint image obtained from the ID card of the customer and the actual fingerprint of the customer The customer is authenticated by collating the information, and the authentication requesting unit 120 notifies the financial institution server 200 of the result. At this time, the customer may provide the amount he wants to loan to the financial institution server 200 through the input unit 104. The financial institution server 200 provides the authentication number to the mobile terminal of the customer in response to the authentication request of the authentication request unit 120, the customer inputs the authentication number provided to his mobile terminal into the unmanned loan processing device 100. The final authentication is completed. Thereafter, the customer sets a password for his loan card, and the authentication requesting unit 120 notifies the financial institution server 200 of the password set by the customer. At this time, the password may be granted by the authentication request unit itself. When the authentication for the customer is processed, the unmanned loan processing device 100 issues a magnetic or RFID loan card to the customer, and the customer can withdraw the required amount from the ATM 300 that can use the loan card. In this case, the ATM 300 preferably includes one or all of the magnetic reader 310 or the RFID card reader 320 capable of reading a magnetic loan card. On the other hand, the unmanned loan processing apparatus 100 according to the present invention can be applied to the second financial sector, or the loan business, rather than a loan in a conventional bank, the customer benefits more depending on the number or amount of loans borrowed Of course, it can be given. To this end, the financial institution server 200 may accumulate points to the customer according to the amount borrowed (drawn) by the customer, and if a certain point is exceeded, increase the loan limit of the customer or It can help to provide better loan terms. In addition, customers who exceed a certain point may be paid cash equivalent to the point. Accordingly, the customer has an advantage that can obtain a point corresponding to the cost borrowed by him, and use it usefully.

15 shows an example of providing a loan to a customer's deposit account through the unmanned loan processing apparatus 100 according to the present invention.

The illustrated embodiment relates to an example in which the unmanned loan processing apparatus 100 described with reference to FIGS. 1 to 13 processes a deposit into a real account of a customer instead of providing a loan card to a customer. The customer can use his / her ID card, fingerprint, handwriting, loan-related documents (copy of resident registration, seal certificate, medical insurance card, copy of abdominal tax certificate, certificate of employment, and documents requested by a financial institution) to the unmanned loan processing device (100). It provides to process the authentication process, through the input unit 104 to input the information about the deposit account to be borrowed to provide it to the financial institution server 200. Here, the unmanned loan processing apparatus 100 according to the present embodiment is the same as that shown in Figs. 1 to 13, but instead of providing a loan card to the customer, there is only a difference in depositing a loan to the real account of the customer. 1 to 13, the overlapping matters described above will not be described. The unmanned loan processing apparatus 100 is a financial institution server 200 to the authentication information for the customer, the image scanned for the loan-related documents, and customer information (including the customer's mobile terminal information, and the customer's loan payment account information) Provided, the financial institution server 200 provides the authentication number to the mobile terminal of the customer for the final authentication for the customer, the customer provides the authentication number sent to the mobile terminal to the unmanned loan processing device 100 final You are finished with authentication. Accordingly, the customer can borrow and use the loan to his / her desired account. On the other hand, in the present invention, when the amount of money the customer wants to borrow is less than the loan limit of the customer, the customer may be allowed to borrow the limit amount remaining at the desired time point. Normally, the first financial institution has a validity period of 3 months for loan-related documents presented by the customer, and after that period, the validity of the loan-related documents is invalidated or the same loan-related documents must be reissued and submitted. However, in the present invention, if the customer does not borrow all the loan limit amount given to him, if he / she wants to receive additional loans based on the loan limit payment after three months, no additional documents are requested. This is because the unmanned loan processing apparatus 100 according to the present embodiment authenticates the customer by using the physical information (fingerprint, handwriting, etc.) of the customer, so that additional loans are hardly generated by another person who steals the customer's name. do. Therefore, this embodiment has an advantage that it can provide a more convenient loan environment than the customer that is loaned by the existing first financial sector.

As described above, the present invention can check the identity of the customer even if the identification card of the customer is altered, and when the customer creates a loan card, loan-related documents required for generating a loan card (for example, a resident registration copy, a seal certificate, and a medical care). A copy of the insurance card, a copy of the cardiac tax certificate, a certificate of employment, a certificate of enrollment, etc. are provided together with the financial institution server so that the loan card can be collected one-stop.

Claims (34)

An authentication control unit for capturing a fingerprint of the customer to obtain fingerprint information, and authenticating the customer by comparing it with a fingerprint image obtained from the identification card of the customer; An authentication request unit which transmits the authentication result to a financial institution server and requests the financial institution server to transmit an authentication number for authenticating the customer to a mobile terminal of the customer; An input unit configured to process an authentication number provided to the customer at the financial institution server and a password input of the customer; And And a card issuing unit for issuing a loan card in which the password entered by the customer is recorded when the correct authentication number is input to the input unit. The method of claim 1, Further comprising; a scanning unit for scanning the loan documents of the customer; The authentication request unit, Unmanned loan processing apparatus characterized in that to provide a scanning image for the loan-related documents to the financial institution server. The method of claim 2, And a document processing unit for destroying the loan-related documents after the scanning processing is completed. The method of claim 3, The certificate processing unit, The unmanned loan processing device, characterized in that to perforate the loan-related documents to prevent reuse of the loan-related documents. The method of claim 3, The certificate processing unit, Unpaid loan processing apparatus characterized in that for the loan-related documents to prevent the reuse of the loan-related documents (faid) process. The method of claim 3, The loan documents, And at least one selected from among a copy of a resident registration, a seal certificate, a copy of a health insurance card, a copy of a cardiac tax certificate, a certificate of employment, and a certificate of enrollment. The method of claim 1, The loan card, Unmanned loan processing device, characterized in that any one of a magnetic card, and RFID card. The method of claim 1, Unattended loan processing further comprises a; facial imaging unit for photographing the face of the customer to generate face image information for the customer, and provides the face image information to the financial institution server through the authentication requesting unit; Device. The method of claim 1, And a touch pad for receiving an autograph of the customer. The method of claim 1, The authentication request unit, When the customer does not enter the authentication number within a predetermined time through the input unit, the unmanned loan processing device, characterized in that to block the issuance of the loan card to the customer. The method of claim 1, The authentication control unit, Detecting a plurality of triangular points constituting the fingerprint of the customer, And the fingerprint image is collated based on the positional relationship between the triangles. The method of claim 1, The authentication control unit, Unattended loan processing device characterized in that for authenticating the customer by comparing the sentence pattern of the fingerprint constituting the fingerprint of the customer and the fingerprint image obtained from the fingerprint image. The method of claim 1, The input unit, The customer can enter the loan amount you want to borrow, The amount entered by the customer is Unmanned loan processing apparatus characterized in that it is provided to the financial institution server through the authentication request unit. The method of claim 11, The loan card, Unattended loan processing apparatus comprising any one of a password entered by the customer through the input unit, the information on the loan amount, and the interest rate for the loan amount. The method of claim 1, The input unit, Unmanned loan processing device, characterized in that consisting of a touch screen. Connected to the financial institution server, An authentication control unit for capturing a fingerprint of the customer to obtain fingerprint information, and authenticating the customer by comparing it with a fingerprint image obtained from the identification card of the customer; An authentication request unit which transmits the authentication result to a financial institution server and requests the financial institution server to transmit an authentication number for authenticating the customer to a mobile terminal of the customer; And And an input unit for processing the authentication number input provided to the customer in the financial institution server. When the customer enters the correct authentication number through the input unit, the customer inputs a password and information about the loan payment account for receiving the loan through the input unit, The financial institution server is an unmanned loan processing device, characterized in that the bank transfer processing the desired amount of money to the customer's loan payment account. The method of claim 16, The financial institution server, After acquiring information on the deposit account input by the customer, after confirming the real name for the customer, unmanned loan processing apparatus characterized in that for transferring the loan to the deposit account. The method of claim 16, Further comprising; a scanning unit for scanning the loan documents of the customer; The authentication request unit, Unmanned loan processing apparatus characterized in that to provide a scanning image for the loan-related documents to the financial institution server. The method of claim 16, And a document processing unit for destroying the loan-related documents after the scanning processing is completed. The method of claim 16, The certificate processing unit, The unmanned loan processing device, characterized in that to perforate the loan-related documents to prevent reuse of the loan-related documents. The method of claim 16, The certificate processing unit, Unpaid loan processing apparatus characterized in that for the loan-related documents to prevent the reuse of the loan-related documents (faid) process. The method of claim 16, The loan card, Unmanned loan processing device, characterized in that any one of a magnetic card, and RFID card. The method of claim 16, Unattended loan processing further comprises a; facial imaging unit for photographing the face of the customer to generate face image information for the customer, and provides the face image information to the financial institution server through the authentication requesting unit; Device. Handwriting input unit for receiving the customer's handwriting; A first authentication controller for authenticating the customer by comparing handwriting data from a financial institution server with the handwriting input through the handwriting input unit; A second authentication controller configured to capture fingerprints of the customer authenticated by the first authentication controller to obtain fingerprint information on the customer, and to authenticate the customer by comparing the fingerprint image with the fingerprint image obtained from the identification card of the customer; And An authentication request unit which transmits the authentication result to a financial institution server and requests the financial institution server to transmit an authentication number for authenticating the customer to a mobile terminal of the customer; An input unit configured to process an input of an authentication number and a password provided to the customer in the financial institution server; And And a card issuing unit for issuing a loan card to the customer when the correct authentication number is input to the input unit and the input of the password is completed. The method of claim 24, And a certificate scanning unit scanning at least one selected from the seal certificate, the resident registration copy, the medical insurance card copy, the abdominal muscle certificate copy, the employment certificate, and the school enrollment certificate of the customer. The certificate scanning unit, The unmanned loan processing apparatus for transmitting the scanned certificate image to the financial institution server through the authentication request unit. The method of claim 25, And at least one selected from the seal certificate, resident registration card, medical insurance card copy, abdominal muscle certificate copy, employment certificate, and certificate of enrollment. Unmanned loan processing unit. The method of claim 25, The certificate processing unit, The unmanned loan processing device, characterized in that to perforate the loan-related documents to prevent reuse of the loan-related documents. The method of claim 25, The certificate processing unit, Unpaid loan processing apparatus characterized in that for the loan-related documents to prevent the reuse of the loan-related documents (faid) process. The method of claim 24, And a face imaging unit for photographing the face part of the customer to generate face image information for the customer, and providing the face image information to the financial institution server through the authentication requesting unit. Processing unit. The method of claim 24, The authentication request unit, When the customer does not enter the authentication number within a predetermined time through the input unit, the unmanned loan processing device, characterized in that to block the issuance of the loan card to the customer. The method of claim 24, The authentication control unit, Detecting a plurality of triangular points constituting the fingerprint of the customer, And the fingerprint image is collated based on the positional relationship between the triangles. The method of claim 24, The authentication control unit, Unattended loan processing device characterized in that for authenticating the customer by comparing the sentence pattern of the fingerprint constituting the fingerprint of the customer and the fingerprint image obtained from the fingerprint image. The method of claim 24, The input unit, The customer can enter the loan amount you want to borrow, The amount entered by the customer is Unmanned loan processing apparatus characterized in that it is provided to the financial institution server through the authentication request unit. The method of claim 24, The first authentication control unit, Calculating a cumulative ratio of each syllable to the total length of each syllable constituting the handwriting of the customer obtained through the handwriting input unit, Calculating a cumulative ratio of each syllable to the total length of each syllable constituting handwriting data provided from the financial institution server, And comparing the cumulative ratio calculated by the handwriting input unit with the cumulative ratio calculated for the handwriting data to authenticate the customer.

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