KR20110067527A - User authentication system, and method for verifying user thought using the same - Google Patents

User authentication system, and method for verifying user thought using the same Download PDF

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Publication number
KR20110067527A
KR20110067527A KR1020090124151A KR20090124151A KR20110067527A KR 20110067527 A KR20110067527 A KR 20110067527A KR 1020090124151 A KR1020090124151 A KR 1020090124151A KR 20090124151 A KR20090124151 A KR 20090124151A KR 20110067527 A KR20110067527 A KR 20110067527A
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KR
South Korea
Prior art keywords
customer
terminal
information
credit information
intention
Prior art date
Application number
KR1020090124151A
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Korean (ko)
Inventor
김대영
Original Assignee
코리아크레딧뷰로 (주)
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Priority to KR1020090124151A priority Critical patent/KR20110067527A/en
Publication of KR20110067527A publication Critical patent/KR20110067527A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/42—User authentication using separate channels for security data
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/34—Bits, or blocks of bits, of the telegraphic message being interchanged in time

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  • Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • Physics & Mathematics (AREA)
  • General Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A user authentication system, and a method for verifying user's will are provided to perform a user authentication process while the user is moving using a personal terminal or the wireless Internet. CONSTITUTION: A user authentication process is carried out if the customer information received from outside is the same as the credit information. A transmission unit(220) transmits a message to a client's terminal and induces to the client's terminal to access a wireless Internet page. The message includes the content inquiring the will of the customer. A receiver(240) receives the response from the client's terminal. A will determining unit(250) confirms the will of the client on the basis of the response. A authentication unit receives the credit information from a confirmation server for managing the credit information.

Description

User authentication system, and method for verifying user thought using the same}

The present invention relates to a self-authentication system and a method of confirming a doctor's intention using the same. In particular, the present invention relates to a self-authentication system for authenticating a user and a method for confirming various intentions of a user using the same.

The self-authentication service that authenticates the user is used in the field of online services using the Internet, such as online commerce and internet banking. In this information age, a large amount of data is distributed throughout the world through a communication network, so the importance of personal authentication for authenticating users is more important to prevent property damage and privacy invasion that may occur due to leakage of personal information due to hacking. It is emerging.

Self-authentication methods include written authentication, wired Internet certificate, and card authentication. Based on the authentication method, the user must be authenticated and the user must confirm his / her intention in various fields in a written or electronic manner.

My doctor confirmation service is to check the user's intention. In addition, in accordance with the law on the use and protection of the user's credit information, the self-identification verification service is provided only to users who have obtained consent from the user for obtaining the user's credit information, providing and using the credit information, and utilizing marketing. Authenticate yourself.

However, such a self-identification service is difficult to receive the customer's intentions, or to perform authentication for the customer in the environment that the customer, that is, the customer moves.

The technical problem to be achieved by the present invention is to provide a self-identification system for verifying the identity of the customer, or confirming the intention of the customer in accordance with the credit information law in the moving environment of the customer and a method of verifying the doctor using the same.

According to the characteristics of the present invention for achieving the above object, the method of verifying the customer's intention of the customer authentication system is

Receiving the customer information of the customer, Comparing the customer information and the credit information of the customer, If the customer information and the credit information is matched, a message attached to the message to the customer's intention, the message attached to the customer Transmitting to the terminal of the terminal, and receiving a response from the terminal, the response including the intention of the customer about the query contents.

Identity authentication system according to another feature of the present invention

The authentication unit performs an authentication process according to whether the customer information and credit information of the customer received from the outside are matched, and a message attached to the customer's intention is sent to the terminal of the customer to access the wireless Internet page. And a transmitting unit for inducing, a receiving unit for receiving a response to the message from the terminal of the customer, and a pseudo judgment unit for confirming the intention of the customer based on the response.

According to an embodiment of the present invention, the identity authentication system may perform the identity verification process of the customer on the move using a personal terminal or a wireless Internet, such as a mobile phone.

In addition, according to an embodiment of the present invention, by confirming the customer's intention about the identity authentication information of the customer on the move, the customer's identity information can be utilized for the user's credit information inquiry, credit information provision and utilization and marketing.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

In the present specification, a terminal is a mobile station (MS), a mobile terminal (MT), a subscriber station (SS), a portable subscriber station (PSS), a user equipment (User Equipment). , UE), an access terminal (AT), and the like, and may include all or some functions of a mobile station, a mobile terminal, a subscriber station, a portable subscriber station, a user device, an access terminal, and the like.

Hereinafter, with reference to the accompanying drawings, a self-authentication system according to an embodiment of the present invention and a method of confirming the intention of using the same will be described in detail.

1 is a diagram schematically showing a service environment to which a user authentication system according to an embodiment of the present invention is applied.

Referring to FIG. 1, a service environment to which the present invention is applied includes a personal terminal 10, a customer company server 100, an identity authentication system 200, and a verification server 300.

The personal terminal 10 includes an interface (not shown) for receiving an online service from the client company server 100 and is a mobile communication device used by each user (customer) of the online service. Here, the online service is a service such as online commerce, internet banking, or the like. In addition, the personal terminal 10 provides the intention of the customer corresponding to the request of the identity authentication system 200 to the identity verification system 200. At this time, the request of the identity authentication system 200 may be requested in the form of a text message, for example.

The client company server 100 is a server that provides customers with online services using the Internet, such as online commerce and Internet banking. The client company server 100 provides the online service according to the request of the personal terminal 10, and requests the personal authentication of the customer to the personal authentication system 200 as necessary when providing the online service. At this time, the customer company server 100 provides the customer information of the customer providing the online service to the identity authentication system 200. Here, the customer information includes a customer's name, social security number, telephone number of the personal terminal 10, identification code of the personal terminal 10, and the like.

The identity authentication system 200 compares the received customer information with the credit information received from the verification server 300, and performs identity verification based on the comparison result. In addition, the identity authentication system 200 transmits a text message including the contents to confirm the intention of the customer to the personal terminal 10 possessed by the customer, and receives the intention of the customer corresponding to the transmitted text message. At this time, the text message leaves an Internet URL (uniform resource locator) through a short message service (SMS), and the callback is automatically connected to the wireless Internet site of the corresponding address when the user of the personal terminal 10, that is, the customer presses a call button. It is a form of Callback URL SMS.

The identity verification system 200 according to the embodiment of the present invention may be a server of a credit related institution such as Korea Credit Bureau (KCB), but is not limited thereto.

The verification server 300 manages the phone number or identification code of the personal terminal that matches the credit information and credit information of the customers. Here, the credit information is information that can identify the subject of credit information, such as the name, address, social security number, gender, national and occupation of the customer, telephone number or identification code of the customer terminal. The confirmation server 300 according to an embodiment of the present invention may be a server of a credit rating company and a mobile communication company, but is not limited thereto.

Next, the identity authentication system 200 will be described in detail with reference to FIG. 2.

2 is a block diagram showing the configuration of a user authentication system according to an embodiment of the present invention.

Referring to FIG. 2, the identity authentication system 200 includes an authenticator 210, a transmitter 220, a password 230, a receiver 240, and a pseudo determination unit 250.

When the authentication unit 210 receives the customer's identity authentication request from the client company server 100, the authentication unit 210 performs the identity verification process according to whether the customer's customer information and the credit information match. At this time, the authentication unit 210 receives the credit information from the verification server 300. The authentication unit 210 determines whether the customer's name and social security number match the name and social security number registered in the credit information, for example. In addition, the authentication unit 210 determines whether the resident number of the customer and the phone number of the personal terminal 10 possessed by the customer match the guest number and phone number registered in the credit information.

The transmitter 220 transmits a text message to the personal terminal 10 to induce access to a specific wireless Internet page. In this case, the transmitter 220 transmits a text message including a specific digit, for example, a 4-digit password. For example, the contents of the text message may include whether the user agrees to the credit card usage limit or whether the user agrees to provide or use the customer's personal credit information to others.

The password unit 230 generates and attaches a password per message when the text message is transmitted from the transmitter 220. Here, the password attached to the text message is a number to be entered if the customer agrees on the contents of the text message received through the personal terminal 10.

The receiver 240 receives an answer corresponding to the text message transmitted to the personal terminal 10 from the personal terminal 10. That is, the receiver 240 receives customer information, a password input by the customer into the personal terminal 10, and the like.

The doctor decision unit 250 checks the intention of the customer based on the response received from the receiver 240.

Next will be described in detail with reference to Figs. 3 to 4 how to confirm the intention of the person using the identity authentication system according to the first embodiment of the present invention.

3 is a flowchart illustrating a method of confirming intention of a person using a personal authentication system according to a first embodiment of the present invention, and FIG. 4 is a view showing a screen of a personal terminal according to the first embodiment of the present invention.

Referring to FIG. 3, the customer requests a consultation to the client company server 100 using the personal terminal 10 (S301). Here, the customer according to the first embodiment of the present invention is a customer who expresses his intention to provide his / her customer information to another third party.

The client company server 100 requests the personal authentication system 200 to verify the intention of the client owning the personal terminal 10 to the personal authentication system 200 (S302). At the request of the doctor confirmation service, the client company server 100 provides the customer information to the identity verification system 200. Here, the customer information includes a customer's name, social security number, telephone number of the personal terminal 10, identification code of the personal terminal 10, and the like.

The identity verification system 200 requests credit information of the customer corresponding to the request of the doctor confirmation service to the verification server 300 (S303). Here, the credit information is information that can identify the subject of credit information, such as the name, address, social security number, gender, national and occupation of the customer, telephone number or identification code of the customer terminal.

The identity authentication system 200 receives the credit information corresponding to the request (S304), and determines whether the customer information and the credit information corresponding to the personal terminal 10 are identical (S305). At this time, the identity verification system 200 confirms the real name whether the customer's name and social security number matches the name and social security number registered in the credit information. In addition, the identity verification system 200 checks the identity of the customer by comparing the resident number of the customer and the telephone number of the personal terminal 10 possessed by the customer matches the resident number and the telephone number registered in the credit information.

When the customer information and the credit information match, the identity verification system 200 transmits a text message attached to the contents of the user's intention confirmation service, that is, the client's intention to the personal terminal 10 (S306). Referring to Figure 4, the identity authentication system 200, for example, "credit card limit increase of the member is possible. ☞ confirmation → access" transmits a text message attached with the content. As such, the identity authentication system 200 transmits a text message to the personal terminal 10 to induce a customer to access a specific wireless Internet page.

The personal terminal 10 displays the received text message and transmits the intention of the customer to the personal authentication system 200 (S307). Referring to Figure 4, when the customer agrees to increase the credit card limit, check the "Accept" button.

Then, the identity authentication system 200 transmits the client's own intention for the increase of the credit card limit such as the received "agree" to the client company server 100 (S308). In addition, the personal authentication system 200 transmits the text message reflecting the intention of the customer to the personal terminal 10 as shown in FIG. 4.

Next will be described in detail with reference to Figs.

5 is a flowchart illustrating a method of confirming intention of a person using a personal authentication system according to a second embodiment of the present invention, and FIG. 6 is a diagram illustrating a screen of a personal terminal according to a second embodiment of the present invention.

Referring to FIG. 5, the customer requests a consultation to the client company server 100 using the personal terminal 10 (S501). Here, the customer according to the second embodiment of the present invention is a customer who does not express his intention to provide his customer information to another third party.

The client company server 100 requests the user authentication system 200 to verify the doctor's own doctor's intention of having the personal terminal 10 (S502).

The identity authentication system 200 transmits a text message with the content asking whether the user agrees to the doctor confirmation service to the personal terminal 10 (S503). In this case, the text message may include a specific password indicating consent of the attached contents. Referring to Figure 6, the identity authentication system 200, for example, "I request your consent. ※ agreement password 1234 ☞ confirm → access" transmits a problem message with the content attached. As such, the identity authentication system 200 transmits a text message to the personal terminal 10 to induce a customer to access a specific wireless Internet page.

The personal terminal 10 displays the received text message, and requests the client's own doctor, that is, personal authentication to the personal authentication system 200 (S504). At this time, the personal terminal 10 receives customer information from the customer as shown in FIG.

The identity verification system 200 requests credit information of the customer who has requested identity verification to the verification server 300 (S505). The identity authentication system 200 receives the credit information corresponding to the request (S506), and determines whether the customer information and the credit information corresponding to the personal terminal 10 match (S507).

If the customer information and the credit information is the same, the identity authentication system 200 transmits a text message attached to the contents of the user's doctor confirmation service, that is, the customer's intention to the personal terminal 10 (S508). Referring to Figure 6, the identity authentication system 200, for example, "I have completed identity verification. I query my personal credit information in accordance with Article 32 of the Act on the Use and Protection of Credit Information, I consent to the provision and use of personal credit information obtained from myself to others. "

The personal terminal 10 displays the received text message and transmits the intention of the customer to the personal authentication system 200 (S509). Referring to FIG. 6, when the customer agrees to the text message received, the customer inputs a password included in the text message with the content asking whether the user agrees to the doctor's confirmation service, and checks the "Accept" button.

Then, the identity authentication system 200 transmits the received customer's intention to the server 100 (S510). In addition, the personal authentication system 200 transmits the text message reflecting the intention of the customer to the personal terminal 10 as shown in FIG. 6.

Next, a method of confirming the intention of the person using the identity authentication system according to the third embodiment of the present invention will be described in detail with reference to FIGS. 7 to 8.

7 is a flowchart illustrating a method of confirming intention of a person using a personal authentication system according to a third embodiment of the present invention, and FIG. 8 is a diagram illustrating a screen of a personal terminal according to a third embodiment of the present invention.

The client company server 100 transmits the route information that can receive the doctor confirmation service to the personal terminal 10 (S701). Here, the route information includes a URL or a mobile address express (WINC EXPRESS) number for accessing a specific wireless Internet page. The mobile address express number is a service composed only of "numbers" provided to increase the user's convenience when using a mobile address (WINC) and to promote the effect of promoting content access numbers of asset providers (CPs).

If the mobile address express number is, for example, "1234", the customer having the personal terminal 10 enters "1234" into the personal terminal 10 and attempts to access the wireless Internet as shown in FIG.

Next, the personal terminal 10 requests identity verification to the identity verification system 200 (S702). In this case, the personal terminal 10 receives customer information, for example, a resident registration number and a name, from the customer as shown in FIG.

The identity verification system 200 requests credit information of the customer who has requested identity verification to the verification server 300 (S703). The identity authentication system 200 receives the credit information corresponding to the request (S704), and determines whether the customer information and the credit information corresponding to the personal terminal 10 match (S705).

When the customer information and the credit information match, the identity verification system 200 transmits a text message attached to the contents of the user's doctor confirmation service, that is, the customer's intention to the personal terminal 10 (S706). Referring to Figure 8, the identity authentication system 200, for example, "I have completed identification. I look up my personal credit information in accordance with Article 32 of the Act on the Use and Protection of Credit Information, I consent to the provision and use of personal credit information obtained from myself to others. "

The personal terminal 10 displays the received text message, and transmits the intention of the customer to the personal authentication system 200 (S707). Then, the identity authentication system 200 transmits the received customer's intention to the server 100 (S708). In addition, the personal authentication system 200 transmits a text message reflecting the intention of the customer to the personal terminal 10 as shown in FIG. 8.

Such, the identity authentication system can perform the identity verification process of the customer on the move, and can receive the customer's various intentions and provide it to the customer.

The embodiments of the present invention described above are not implemented only through the apparatus and the method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded. Implementation may be easily implemented by those skilled in the art from the description of the above-described embodiments.

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

1 is a diagram schematically showing a service environment to which a user authentication system according to an embodiment of the present invention is applied.

2 is a block diagram showing the configuration of a user authentication system according to an embodiment of the present invention.

3 is a flowchart illustrating a method of confirming a person's intention using a user authentication system according to a first embodiment of the present invention.

4 is a diagram illustrating a screen of a personal terminal according to the first embodiment of the present invention.

5 is a flowchart illustrating a method of confirming a person's intention using a user authentication system according to a second embodiment of the present invention.

6 is a diagram illustrating a screen of a personal terminal according to a second embodiment of the present invention.

7 is a flowchart illustrating a method of confirming a person's intention using a user authentication system according to a third embodiment of the present invention.

8 is a diagram illustrating a screen of a personal terminal according to a third embodiment of the present invention.

Claims (9)

In the way that the identity verification system confirms the intention of the customer, Receiving customer information of the customer, Comparing the customer information with the credit information of the customer, When the customer information and the credit information match, transmitting a message to the terminal of the customer, which attaches a content querying the intention of the customer, and Receiving a response including a customer's intention to the content of the query from the terminal How to check your own doctor including a. The method of claim 1, The message includes an Internet address, and a callback message is automatically connected to the Internet address using the terminal. The method of claim 1, The comparing step Checking whether the customer's name and social security number in the customer information match the name and social security number registered in the credit information; How to check your own doctor including a. The method of claim 1, The comparing step Checking whether the customer's social security number and the terminal's telephone number or identification code of the customer information match the social security number and telephone number or identification code registered in the credit information; How to check your own doctor including a. The method of claim 1, The message includes a password for confirming consent to the content, Receiving the response If the customer agrees with the inquiry, receiving a response including the password from the terminal of the customer; How to check your own doctor including a. Authentication unit that performs the authentication process according to whether the customer information and credit information of the customer received from outside, A transmission unit for transmitting a message attached to the customer's intention to the client's terminal to induce access to a wireless Internet page; Receiving unit for receiving a response to the message from the terminal of the customer, And Doctor's decision unit to check the customer's intention based on the response Identity authentication system comprising a. The method of claim 6, The customer information includes at least one of the name of the customer, the social security number of the customer, the telephone number of the terminal, the identification code of the terminal, The credit information includes at least one of a name for each customer, a social security number for each customer, a phone number for each customer terminal, and an identification code for each terminal. The authentication unit Identity authentication system for receiving the credit information from the verification server for managing the credit information. The method of claim 6, And the message includes a password for confirming consent to the contents. The method of claim 8, The receiving unit If the customer agrees to the inquiry, the identity authentication system for receiving a response including the password from the terminal of the customer.
KR1020090124151A 2009-12-14 2009-12-14 User authentication system, and method for verifying user thought using the same KR20110067527A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101487357B1 (en) * 2012-12-24 2015-01-29 나이스평가정보 주식회사 The system which manages a personal identification process for a non-facing service
WO2019066132A1 (en) * 2017-09-29 2019-04-04 주식회사 머니브레인 User context-based authentication method having enhanced security, interactive ai agent system, and computer-readable recording medium

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101487357B1 (en) * 2012-12-24 2015-01-29 나이스평가정보 주식회사 The system which manages a personal identification process for a non-facing service
WO2019066132A1 (en) * 2017-09-29 2019-04-04 주식회사 머니브레인 User context-based authentication method having enhanced security, interactive ai agent system, and computer-readable recording medium

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