KR20200120414A - Counter processing mehotd using biometric authentication - Google Patents

Abstract

According to one embodiment of the present invention, a counter service method using biometrics comprises the steps of: receiving a customer number; checking whether or not a customer is eligible for a counter service using biometric authentication; additionally confirming the customer by automatically popping up a recent ID card image associated with the customer; receiving a digital form containing information such as withdrawal and cancellation of the customer at a counter terminal; computing input and executing of the digital form; and performing biometric authentication using biometric information stored in half in a financial institution server and a Korea financial telecommunications and clearings institute (KFTC) distributed management system.

Description

Counter service method using bio-certification (palm vein authentication) {COUNTER PROCESSING MEHOTD USING BIOMETRIC AUTHENTICATION}

The present invention relates to a counter service method using bio-authentication, and more particularly, to a counter service method using bio-authentication that can implement a process of withdrawal and cancellation without a passbook, seal, and password by applying bio-authentication.

In general, the counter transaction of financial institutions is decreasing due to the development of mobile and smartphones, but the transaction price reported by branches for deposit payment such as loss and reissuance of bankbook, loss and change of seal, change of password, M/S re-record, etc. They account for more than 30% of the counter work.

Therefore, it is inevitable that the business at the counter of financial institutions is focused on the non-profit business, the reporting business, rather than the profit business.

In addition, the process of deposit payment or cancellation during business at the counter of a financial institution takes a lot of time to process the counter to verify the right holder, such as bankbook, ID card, seal confirmation, password input, and payment by the person in charge. In order to verify the right holder, the counter employee is exposed to the risk of accidents accompanying the deposit payment business, such as checking forgery of identification cards for identification purposes, and checking whether the seal matches with the naked eye.

Recently, as the number of non-face-to-face financial services has increased due to the revitalization of the fintech industry and the spread of smartphones in Korea, the demand for non-face-to-face real name verification is also increasing significantly. As it becomes necessary to secure safety by establishing a security system, the introduction and review of biometric authentication technology is being actively promoted.

Nevertheless, in the case of the elderly who are not familiar with non-face-to-face financial services, or users who doubt the security of non-face-to-face authentication or are reluctant due to the complexity of the process, they still visit a financial institution's counter and pass a bankbook, ID card, and password. The window process is in progress by verifying the identity through such as.

Accordingly, the present invention was conceived to solve this problem, and an object of the present invention is to provide a counter service method using bio-authentication that can implement a process of withdrawal and cancellation without a passbook, seal, and password by applying bio-authentication.

In the counter service method using bio-authentication according to an embodiment of the present invention, the step of receiving a customer number, confirming whether the customer is a counter-service subject using bio-authentication, and a recent identification card image associated with the customer Is automatically popped up to additionally confirm the customer, receiving a digital form containing information such as withdrawal and termination of the customer at the window terminal, and computer input and execution of the digital form, and a financial institution server And performing biometric authentication using the biometric information half-stored in the KFTC distributed management system.

According to the counter service method using bio-authentication according to an embodiment of the present invention, it is possible to create an environment in which the ability to focus on marketing, such as product sales and asset management, can be significantly reduced by significantly reducing reporting, which is a non-profit business.

According to the counter service method using bio-authentication according to an embodiment of the present invention, not only the new generation who is active in the use of fintech, but also the elderly who are slow to respond to changes in the financial environment and have a lot of reluctance, can learn bio first through a familiar and comfortable counter transaction. Ultimately, it is possible to secure a basis for using low-cost channels such as bankbook/cardless ATM (STM) bio withdrawal.

According to the counter service method using bio-authentication according to an embodiment of the present invention, the deposit payment process, which is currently six stages, is reduced to three stages, so that the processing time of withdrawal and cancellation work can be reduced.

According to the counter service method using bio-authentication according to an embodiment of the present invention, it is possible to reduce the risk of counter staff due to legitimate right holder verification such as shortening the processing time of the counter operation by simplifying the deposit payment (termination) process, and checking the identification card and seal. In addition, bio-certification can reduce the risk of work of counter staff by replacing the risk of accidents accompanying deposit payment work, such as forgery verification of identification cards for identification purposes and verification of personal seal matching with the naked eye.

1 is a metabolic diagram showing a method of registering bioinformation for a counter service method using biometrics according to an embodiment of the present invention.
2 is a metabolic diagram showing a bio-authentication method among counter service methods using bio-authentication according to an embodiment of the present invention.
3 is a flowchart illustrating a counter service method using biometric authentication according to an embodiment of the present invention.
4 is an exemplary screen diagram illustrating a difference between a counter service method using biometric authentication and a conventional passbook-based counter service method according to an embodiment of the present invention.
5A to 5D are examples of screens of a financial institution counter terminal for a counter service method using bio-authentication according to an embodiment of the present invention, respectively.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art can easily implement the embodiments of the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and similar reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless otherwise stated.

In general, the counter service method using bio-authentication according to an embodiment of the present invention includes a bio-information registration step, a three-no service registration step of registering a deposit withdrawal and cancellation service without a bankbook, ID card, and password, and deposit payment at the counter. Or providing a cancellation service.

1 is a metabolic diagram showing a method of registering bioinformation for a counter service method using biometrics according to an embodiment of the present invention.

As shown in FIG. 1, the method of registering bio-information for the counter service method using bio-authentication according to an embodiment of the present invention is to collect bio-information using the bio-information collecting device 10 to obtain a counter terminal. When requesting biometric information registration for (100) (S1), the counter terminal 100 transmits the biometric information to the financial institution server 200 (S2), so that the customer can reinforce the identity verification during the initial bioinformation registration. Checking the real name of the customer (S2a); sending an sms to the mobile communication terminal of the customer associated with the customer information to authenticate himself or herself or to additionally authenticate through the approval of an existing person in charge (S2b); and It may further include a step (S2c) of verifying the password by allowing the password of the passbook account to be input.

Although the use of a real name certificate, ID, and password is a representative and simple means of authentication, there is a risk of hassle of input, forgotten, or stolen, but once for a counter service method using biometric authentication according to an embodiment of the present invention. By using it, it is possible to increase the reliability when registering biometric information.

In the financial institution server 200, a three-no service application and a use account using biometric authentication instead of a passbook, identification card, and password are registered (S2d).

The usage account may include registration for each request/deposit/deposit type account.

At this time, in the financial institution server 200, the continuous transaction per account is Comprehensive approval for convenient handling of deposit payment can be obtained from the counter terminal 100 of the internal control officer so that it is possible (S2e).

Meanwhile, the financial institution server 200 encrypts the biometric information received through the counter terminal 100 (S3), and requests registration of the encrypted biometric information from the distributed management system 300 of the KFTC (SS4). .

The distributed management system 300 of the KFTC receives the biometric information template and full text transmitted from the financial institution server 200, divides the biometric information, and encrypts the biometric information again (S5).

The distributed management system 300 of the KFTC transmits half of the divided and encrypted biometric information to the financial institution server 200 (S7).

The financial institution server 200 stores half of the divided and encrypted biometric information as a ticket (S7), and in the future, the biometric information divided and stored in the distributed management system 300 and the financial institution server 200 of the KFTC Is combined at the time of authentication to authenticate at the counter terminal 100 to provide a counter service.

2 is a metabolic diagram showing a bio-authentication method among counter service methods using bio-authentication according to an embodiment of the present invention.

As shown in FIG. 2, the biometric information collected from the biometric information collection device 10 includes fingerprints, veins, irises, faces, etc., which directly extract information from the body, and voices and signatures that utilize the characteristics of actions. Can be included.

Although biometric authentication information is universally possessed by all subjects, it is important that the biometric authentication information is a characteristic that can be clearly distinguished according to the individual, and does not cause objection to the subject.

In the case of fingerprints, there is a problem that the recognition rate is high and the recognition rate is low.In the case of the iris, face, etc., security and precision are inferior, and there is psychological resistance to leakage, but the security is high and precision in the use of finger or palm vein patterns. And user acceptance is also easy, so it is suitable for use in a counter service method utilizing biometrics according to an embodiment of the present invention.

In the counter service method using biometrics according to an embodiment of the present invention, a palm vein pattern is used because more information can be provided than one finger.

As shown in FIG. 2, in the counter service method using bio-authentication according to an embodiment of the present invention, when biometric information such as vein information of a customer is recognized from the biometric information collecting device 10, (S10), the counter terminal 100 requests biometric authentication from the financial institution server 200 (S20).

The financial institution server 200 transmits the ticket stored for the biometric information to the distributed management system 300 of the KFTC (S30).

The distributed management system 300 stores the receipt for the transaction (S40), and transmits the authentication value combined with the receipt to the financial institution server 200 (S50).

The financial institution server 200 performs biometric authentication on the counter terminal 100 by combining the authentication value transmitted from the distributed management system 300 with the biometric information held in half (S60).

In such a distributed processing technology of biometric information, the distributed ledger transaction system synchronizes each node with each other, and on the contrary, it is possible to check and inspect each other's ledger, and as each node increases, the clustered clock chain nodes are vast. It can provide a high level of security.

3 is a flowchart illustrating a counter service method using biometric authentication according to an embodiment of the present invention.

As shown in Fig. 3, the counter service method using bio-authentication according to an embodiment of the present invention receives a customer number (S110), and checks whether the customer is a counter-service target using bio-authentication ( S120).

The reception of the customer number can be performed by inputting a resident number, a hand number, or a digital voucher withdrawal account number with a pin pad.

When the customer is a counter service target using bio-certification, an image of the latest identification card associated with the customer is automatically popped up, so that the counter terminal can additionally check the customer with the naked eye without presenting a physical certificate such as an ID card (S130). .

The counter terminal 100 receives the digital form (S140), and performs computational input and execution of the ledger of the financial institution server 200 (S150).

The counter terminal 100 may receive biometric authentication from the financial institution server 200 and the KFTC distributed management system 300 and provide a counter service (S160).

As described above, in the counter service method using bio-authentication according to an embodiment of the present invention, personal authentication and transaction authentication can be performed with one-time bio-authentication, and counter services such as deposit payment (termination) can be completed.

4 is an exemplary screen diagram illustrating a difference between a counter service method using biometric authentication and a conventional passbook-based counter service method according to an embodiment of the present invention.

As shown in Fig. 4, the conventional passbook-based counter service method requires a lot of time at the window terminal to proceed with paper voucher creation, passbook verification, identification and scanning, seal verification and MS recognition, and password input. It is a problem that not only takes a lot of time for non-profitable work at the counter terminal, but also frequently re-reports due to the loss of a bankbook, seal, or password, wasting goods, and a risk caused by customer identification at the counter However, according to the counter service method using bio-certification, digital form creation and one-time bio-certification can simplify the process, save time, and reduce security and risk.

In the case of bio-certification in the case of bio-certification on paper, a receipt indicating bio-certification can be provided as an electronic document through a mobile communication terminal, and transaction details can also be provided in the form of an electronic bankbook through a mobile communication terminal. .

5A to 5D are examples of screens of a financial institution counter terminal for a counter service method using bio-authentication according to an embodiment of the present invention, respectively.

5A is an exemplary screen view of a window terminal for bio information registration and cancellation processing.

As shown in Fig. 5A, bio-information is registered in order to reinforce bio-information registration and identity verification, and in connection with consent and use of bio-certification services, for example, identity verification, automated equipment, window withdrawal, etc. are registered. You can see that there is.

In addition, when registering bio-information for the first time, it is not only verified through the real name certificate, but also the authentication number is sent to the customer's mobile communication terminal number to authenticate the person. It can be seen that the password is being checked, and a specific account is required to be registered for bio-use account management.

5B is an example of a window service registration screen using biometric authentication.

Customers can register two services for the counter terminal using a digital form.

On the other hand, with regard to registration and cancellation of the counter service using bio-certification, comprehensive approval for handling deposit payment convenience can be performed to enable continuous transactions per account with the first one-time approval.

5C is an exemplary screen view of a service for paying deposits using biometric authentication.

The method of providing a counter service for paying deposits using bio-authentication is to enter an account number, or if a customer enters a pin number with a pin pad or a customer mobile communication terminal number, whether it is a counter service using bio-authentication. It can be verified automatically, and it can be automatically reflected on the terminal by the customer's choice when creating a digital slip.

When the customer's bio-certification account number is entered, the customer's recent identification card is popped up so that the counter staff can use it as a reference material when verifying the identity.

Through the counter terminal, it is possible to check the registration of the counter service using the customer's bio-certification, and if the withdrawal amount is entered and executed, the transaction can be completed with one bio-authentication immediately before the transaction is completed after the terminal is executed.

5D is a screen in which a list of counter service registration accounts using biometric authentication according to a customer number input is provided to a customer.

10: bio-information collection device 100: counter terminal
200: Financial institution server 300: Financial Clearinghouse Distributed Management System

Claims (5)

Receiving a customer number;
Determining whether the customer is a target service counter using biometric authentication;
Automatically popping up a recent ID card image associated with the customer to further confirm the customer;
Receiving a digital form containing information such as withdrawal and cancellation of a customer at the window terminal;
Computationally inputting and executing the digital form;
And performing bio-authentication using the biometric information stored in the financial institution server and the distributed management system of the Financial Telecommunications Clearance Service. The method of claim 1.
The biometric information is a counter service method using biometrics, which is a palm vein pattern. The method of claim 1.
The method of registering the biometric information to the financial institution server and the distributed management system includes the steps of requesting registration of biometric information by receiving biometric information using a biometric information collection device, and sending the collected biometric information to the financial institution server. Transmitting, encrypting the biometric information by the financial institution server, requesting registration of the encrypted biometric information to the distributed management system of the KFTC, and the distributed management system of the KFTC Receiving the biometric information template and the full text transmitted from the server, dividing and re-encrypting the biometric information, and the distributed management system of the KFTC transmits half of the divided and encrypted biometric information to the financial institution server Counter service method using bio-certification, including the step of registering and registering. The method of claim 3.
In the bio-information registration step, the steps of verifying the customer's real name certificate, verifying the identity by sending an sms to the customer's mobile communication terminal, and verifying the password by allowing the customer to enter the passbook account password. A counter service method using biometrics including at least one of. The method of claim 1.
In the biometric authentication, the biometric information of the customer is recognized from the biometric information collection device, and
Receiving biometric information of the customer, and requesting, by the counter terminal, biometric authentication from the server of the financial institution;
The financial institution server transmitting the ticket stored for the biometric information to the distributed management system of the Financial Telecommunications & Clearings Institute,
The distributed management system stores a receipt for a transaction and transmits an authentication value combined with the receipt to a financial institution server.

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