KR20040052963A - Method for integrating management of client information using identity card - Google Patents

Abstract

The present invention relates to integrated management of customer information using an identification card, and more specifically, to acquire image information by photographing the front side of an identification card with a scanner device having an automatic insertion function of customer information with an identification card such as a financial institution, and the image Extracts text information from text information through character recognition, automatically detects face area, acquires image information by photographing the back of the ID card, stores and manages customer information in a central server connected to the Internet, and in case of future identity verification This identity card and pre-registered ID information are inquired and identified, and the fingerprint image printed on the pre-registered ID card is compared with the fingerprint of the customer inputted by the fingerprint input device, thereby confirming identity forgery. It provides the function to confirm that the customer, integrated management on the server We will provide high quality customer service by linking the beam with CRM.

Description

Method for integrating management of client information using identity card}

The present invention relates to the integrated management of customer information using an identification card, and more specifically, using an identification card that can be utilized in a system that requires identification of a user or to provide enhanced customer service through customer identification information. It is about the integrated management method of customer information.

In general, identification cards (especially national ID cards) should be able to solve two important problems in order to prevent illegal use by others. First, it should be practically impossible for an unauthorized person to illegally make a card. Second, it must be possible to reliably determine whether the person presenting the identity card is his or her identity.

Recently, financial accidents caused by theft, theft, and forgery of ID cards, especially resident registration cards, are frequently occurring, and the amount of damages is increasing rapidly. Identity verification, which is being implemented through the real name system of financial institutions in the existing financial institutions, merely identifies the photo of the ID card and the naked face of the customer, and it is impossible to discriminate whether the ID card is forged.

In addition, when applying for a new transaction of an existing financial institution, a simple method of copying the front and rear of the ID card to the back of the financial transaction application is virtually impossible to identify counterfeit with the naked eye. There was a problem.

Accordingly, the present invention has been proposed to solve a problem that is difficult to determine whether the counterfeit identification or counterfeit of the ID card generated in the conventional financial institutions for identity verification copying,

It is an object of the present invention to provide a method for integrated management of customer information using an identification card that can be utilized in a system that requires identity verification or to provide enhanced customer service through customer identity information.

The present invention for achieving the above object,

It performs the process of registering customer ID information, strengthened identity verification process through customer ID information, and improving customer service through registered ID information.

In order to register the identity card and verify the identity, ID card image is acquired through the ID scanner and general scanner, and the image and fingerprint area are automatically extracted from the acquired ID card, and the identity information such as name, social security number, and address are automatically obtained through OCR. Recognize. The extracted information is stored and managed in the central server, and unauthorized users cannot access the stored ID information.

The stored ID information provides a reliable identity verification function through visual identification with newly presented ID card and fingerprint authentication between the stored fingerprint image and the live scanned fingerprint when using a service that requires identification such as financial transaction application in the future.

In addition, data such as face image, name, social security number, and address extracted from stored ID information can be used in various CRM services for enhanced customer service.

1 is a schematic view showing the configuration of a customer information integrated management system to which the present invention is applied,

2 is a flowchart showing a process of registering customer information in the integrated customer information management method using the identification card according to the present invention,

3 is a flow chart showing a process of confirming the identity of the customer in the integrated customer information management method using the identification card according to the present invention.

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

110 ..... ID Scanner

120 ..... Fingerprint Sensor

200 ..... branch terminal

220 ..... Display Unit

230 ..... Central Processing Unit

250 ..... Communication

300 ..... Internet

400 ..... Financial Institution Server System

410 ..... ID information registration and inquiry server

440 ..... Customer Information Database

Hereinafter, described in detail with reference to the accompanying drawings, preferred embodiments of the present invention according to the technical spirit as described above.

1 is a schematic diagram showing a configuration diagram of a system to which the present invention is applied.

Here, reference numeral 110 denotes an identification scanner for scanning the identification card presented by the customer, reference numeral 120 denotes a fingerprint sensor for receiving the fingerprint information of the customer, and reference numeral 200 is provided at each branch of a financial institution. ID card information is registered in the financial institution server system 400, or represents a terminal terminal for inquiring registered information, reference numeral 300 denotes the Internet, reference numeral 400 indicates each branch terminal 200 through the Internet (300) ) Is connected to the financial institution server system that stores the identification information of the customer, and transmits the information stored in the store to the terminal terminal 200 when the inquiry request.

In the above, the shop terminal 200 is a conventional computer system, the interface device 210 for the data interface between the identification card scanner 110 and the fingerprint sensor 120, and transmitted from the financial institution server system 400 Display device 220 for displaying the identification information of the customer on the screen, the central processing unit 230 for performing the registration, inquiry, etc. of the customer identification information, the information generated in connection with the central processing unit 230 Memory 240 for storing the, and the communication device 250 is connected to the central processing unit 230 and communicates with the financial institution server system 400 via the Internet (300).

In addition, the financial institution server system 400 is connected to the Internet 300, and provides a client program through a web program and HTTP service function to allow the user to register and inquire the identification card information of the customer ID information Registration and inquiry server 410, ID card image and fingerprint information interface server 420 that provides a function to upload or download the customer ID card image and fingerprint information from the client at the time of registration and inquiry of the identification card information of the customer, and customer information It consists of a database management server 430 for managing the identification information of the customer through the database (DB) 440.

Referring to the operation of the integrated customer information management system to which the present invention configured as described above is applied as follows.

First, a process of registering customer information (name, resident registration number, address, resident registration card issuance date, photo image, fingerprint image) with the financial institution server system 400 is as follows.

When a customer presents his or her ID card (resident registration card) for information registration in order to conduct a financial transaction with a financial institution (for example, a bank), an employee who registers and inquires the customer's information using the branch terminal 200. (Hereinafter, referred to as a "user") scans the front and the back of the identification card presented by the customer using the identification card scanner 110.

When the identification card is scanned, the corresponding scanning information is input to the central processing unit 230 through the interface device 210, and the identification information scanned under the control of the central processing unit 230 is displayed on the display apparatus 220.

Thereafter, the central processing unit 230 extracts face image information from the front image information of the ID card, and extracts text information (name, social security number, address, issue date, issuer) using the OCR method. In addition, the fingerprint image is extracted from the image information on the back of the ID card, and the extracted face image information, fingerprint image information, and text information are used as the customer ID information in the financial institution server system 400 through the communication device 250 and the Internet 300. ID card information registration and inquiry server 410 to pass.

The ID information registration and inquiry server 410 transfers customer information (face image information, fingerprint image information and text information) transmitted from the branch terminal 200 to the ID image and fingerprint information interface server 420 through the Internet. do.

Then, the ID card image and the information transmitted from the fingerprint information interface server 420 is transferred to the database management server 430, and the information (face image information, fingerprint image information, text information) from the database management server 430 The customer information is stored in the database 440 to register customer information.

Next, when the customer presents the identification card to the user who actually uses the branch terminal 200 for the financial transaction, the user uses the information recorded on the identification card (for example, the name and the social security number) to the central processing unit 230. Enter the relevant information in.

Then, the central processing unit 230 makes a connection with the financial institution server system 400 through the communication device 250, and when the connection is made, transmits the information (name, social security number) to request the customer's registration information corresponding thereto. do.

The identification information registration and inquiry server 410 in the financial institution server system 400 interoperates with the database management server 430 to check whether there is customer information corresponding to the information (name, social security number). As a result of this check, if the customer information on the information is registered in advance, the registered customer information is extracted and then transmitted to the branch terminal 200 through the Internet 300.

Then the central processing unit 230 in the branch terminal 200 transmits the downloaded customer information to the display device 220 to be displayed on the screen. The customer information displayed here is face image information, name, resident registration number, address, and the like.

When the customer information is displayed on the screen, the user firstly identifies the customer by identifying the ID presented by the customer and the customer information displayed on the screen. If the customer steals another person's ID card because it is different from the ID card information registered for the first time in the financial institution server system 400, the user can determine that the ID card has been forged at first glance, and take the corresponding action immediately, Theft of financial transactions due to theft can be prevented.

Next, when the user is primarily identified by visual identification as described above, the central processing unit 230 acquires the fingerprint information of the customer using the fingerprint sensor 120 at the request of the user, and the obtained fingerprint information and The downloaded fingerprint image information of the customer is compared by software to check whether there is a match. Only if the comparison is consistent will the financial transactions be made.

In this case, if the fingerprint information does not match, the user's ID card is forged, so if the user takes a prompt action accordingly, the user can prevent a financial accident due to ID theft.

2 is a flowchart showing a process of registering customer information in the integrated customer information management method using the identification card according to the present invention.

As shown in the figure, after receiving the front and back image information of the ID card scanned by the ID card scanner from the central processing unit 230 in the sales terminal terminal 200 when registering the customer information, the face from the image information of the received customer Extracting only fingerprint image data (S101 to S102), extracting text information (name, social security number, address) using the OCR from the scanned image information (S103), and extracting the identification information of the extracted customer Transmitting to the financial institution server system 400 (S104), registering the identification information of the customer in the financial institution server system 400 and registering the identification information of the customer at the inquiry server 410 (S105), and registering the information. Upon completion of the identification card information registration and inquiry server 410 is made to notify the registration result to the branch terminal 200 (S106).

Looking at the identification information registration process according to the invention made in this way in more detail as follows.

First, when registering customer information, in step S101, the central processing unit 230 in the sales terminal 200 receives the front and back image information of the customer ID scanned through the identification card scanner 110, and then in step S102 Only face / fingerprint image data is extracted from the image information. Here, the method of extracting the face image data from the input image information uses a method of extracting only specific image information from known scan data.

Next, in step S103, text information (name, social security number, address) is extracted using the OCR from the scanned image information.

Next, in step S104, the extracted identification card information (face image information, fingerprint image information, text information) of the customer is transmitted to the financial institution server system 400.

Subsequently, in step S105, the ID card information registration and inquiry server 410 in the financial institution server system 400 stores the ID card information of the customer in the customer information database 440 to register the customer information, and the registration is completed in step S106. When notified of the registration result to the branch terminal 200.

Then, the user operating the branch terminal 200 confirms through the display device 220 that the customer information is registered.

3 is a flow chart showing a process of confirming the identity of the customer in the integrated customer information management method using the identification card according to the present invention.

As shown in the drawing, when a customer who finds a bank branch presents an ID for a financial transaction to a user who operates a branch terminal 200, registration information (name, resident registration number) input by the user in the central processing unit 230 is shown. (S201 ~ S202) to query the registration information by transmitting to the financial institution server system 400 through the communication device 250 and the customer based on the customer information requested by the financial institution server system 400 Searching the information database 440 to confirm whether the customer information is registered (S203); and if the customer information is not registered as a result of the checking, notifying the branch terminal 200 of the financial transaction impossibility (S204). And, if the customer information is registered as a result of the check step of extracting the registered customer information and downloading to the branch terminal 200 (S205) and the Displaying the customer information downloaded from the central processing unit 230 in the branch terminal 200 which has downloaded the customer's registration information on the display device 220 so that the user can check whether the customer and the ID information match with the naked eye ( S206), and if it is determined that the user is a normal customer after being visually identified by the user, the fingerprint information of the customer is input through the fingerprint sensor 120 and the registered fingerprint information of the received customer is registered. Comparing the fingerprint information (S208), and if the comparison result of the fingerprint information does not match the financial transaction notified, and if the comparison result fingerprint information is the step of approving the financial transaction (S209).

Looking more specifically at the process of confirming the identity of the customer in the integrated customer information management method using the identification card according to the present invention as follows.

First, when the customer who finds the bank branch in step S201 presents the identification card for the financial transaction to the user who operates the branch terminal 200, the user inputs the customer information (name, social security number) written on the identification card presented by the customer ( After inputting through a drawing (not shown), an inquiry function is selected.

Then, in step S202, the central processing unit 230 transmits the registration information (name, social security number) input by the user to the financial institution server system 400 through the communication device 250 to query the registration information.

Next, in step S203, the financial institution server system 400 searches the customer information database 440 on the basis of the customer information requested for inquiry to confirm whether the customer information is registered, and as a result of the checking, the customer information is not registered. If not, go to step S204 and notify the branch terminal 200 of the financial transaction impossibility.

On the other hand, if the customer information is registered as a result of the check in step S203, go to step S205 to extract the registered customer information is downloaded to the branch terminal 200.

Next, the central processing unit 230 in the branch office terminal 200 that has downloaded the customer registration information in step S206 displays the downloaded customer information on the display device 220 so that the user visually displays the customer and ID information. Make sure it matches.

That is, the user visually identifies the identification card presented by the customer and the registration information (face image information and text information) of the customer displayed on the display apparatus 220 to determine whether they are the same. If the result is not the same, ID theft, so take appropriate measures to prevent financial accidents caused by ID theft.

Next, when the user is visually identified by the user and judged to be a normal customer, the central processing unit 230 receives the fingerprint information of the customer through the fingerprint sensor 120 in step S207, and then the step S208. The fingerprint information of the received customer is compared with the registered fingerprint information of the downloaded customer.

If the fingerprint information does not match as a result of the comparison, go to step S204 to notify the financial transaction impossibility, at this time, the user judges that the ID card forgery and take appropriate measures to prevent financial accidents due to ID theft in advance. Can be.

In addition, if the fingerprint information matches as a result of the comparison, the process moves to step S209 to approve the financial transaction.

According to the present invention as described above, by verifying the identity through pre-registered ID information and fingerprint authentication, compared to the naked eye identification and copying identity verification in the existing financial transactions, it is possible to give more accuracy to identity verification more secure It has the effect of promoting financial transactions.

In addition, it is possible to prevent financial accidents caused by forgery and forgery of identity cards through two or more steps of identity verification, which can effectively prevent financial accidents and protect customers' personal assets. have.

Claims (3)

A branch terminal equipped with a central processing unit, a display unit, and a communication unit, which is provided at a branch of a financial institution and connected with an identification scanner and a fingerprint sensor to register / view the identification information of a customer, and is connected to the branch terminal through the Internet. In the integrated customer information management method using the identification card in the financial system consisting of a financial institution server system having an identification card information registration and inquiry server / database management server to control the registration and inquiry of customer identification information, A first step of registering customer information by extracting customer information from ID card image information scanned by the ID card scanner in the central processing unit in the branch terminal and transmitting the information to the financial institution server system when registering the customer information; When the customer presents an identification card for a financial transaction to a user who operates a branch terminal, the central processing unit transmits registration information (name and social security number) input by the user to the financial institution server system through a communication device and registers the registration information. A second step of querying; A third step of checking whether the customer information is registered by searching the customer information database based on the customer information requested by the financial institution server system; If the customer information is not registered as a result of the confirmation, the fourth step of notifying the branch office of the financial transaction impossibility, and if the customer information is registered as the result of the checking, extracting the registered customer information and downloading it to the branch terminal; ; Integrating the customer information using the identification card, characterized in that the central processing unit in the branch terminal is determined by the financial transaction approval by comparing the downloaded customer information, the identification information presented by the customer and the fingerprint information input separately How to manage. The method of claim 1, wherein the first step, Receiving the front and back image information of the ID card scanned by the ID card scanner from the central processing unit in the terminal of the branch when registering the customer information, and extracting only face / fingerprint image data from the received image information of the customer; ; Extracting text information (name, social security number, address) from the scanned image information by using the OCR in the central processing unit; Transmitting the extracted identification card information of the customer to the financial institution server system; Registering and storing the identification information of the customer in a customer information database in the identification information registration and inquiry server in the financial institution server system; And when the registration is completed, notifying the registration result from the identification card information registration and inquiry server to the branch terminal. The method of claim 1, wherein the fifth step, Displaying the customer information downloaded from the central processing unit in the terminal of the sales office terminal which has downloaded the customer registration information on a display device so that the user visually checks whether the customer and ID information match; After the user is visually identified by the user and judged to be a normal customer, receiving the fingerprint information of the customer through the fingerprint sensor and comparing the received fingerprint information with the registered fingerprint information of the downloaded customer. Wow; And notifying the financial transaction if the fingerprint information does not match as a result of the comparison, and approving the financial transaction if the fingerprint information is matched with the comparison result.