KR-20260067903-A - A SYSTEM AND METHOD FOR PREVENTING ABNORMAL TRANSACTIONS BY PERFORMING FACE AUTHENTICATION DURING FINALCIAL TRANSACTIONS

KR20260067903AKR 20260067903 AKR20260067903 AKR 20260067903AKR-20260067903-A

Abstract

The present invention relates to a system and method for preventing fraudulent transactions by performing facial authentication during financial transactions. To this end, a system for preventing abnormal transactions by performing facial authentication during a financial transaction according to the present invention may include: a mobile terminal that activates the camera function of an application providing financial transactions to request registration by transmitting to a server an image of an identification document and a first face image obtained by capturing the user's face in real time, and when a financial transaction occurs, transmits to the server a second face image of the user obtained in real time through the camera function to request authentication; and a server that analyzes the identification document image to extract basic biometric information, analyzes the first face image to extract first biometric information, authenticates the user by comparing the extracted basic biometric information with the extracted first biometric information, and stores the first biometric information when the authentication of the user is successful.

Inventors

이정욱
정의석
탁윤성
허철
남인수
김우영
이진우
이지현
김성호
이영지

Assignees

주식회사 케이뱅크

Dates

Publication Date: 20260513
Application Date: 20241106

Claims (10)

In a system that prevents fraudulent transactions by performing facial authentication during financial transactions, A mobile terminal that activates the camera function of an application providing financial transactions to request registration by transmitting an ID image captured by photographing an ID and a first face image obtained by capturing the user's face in real time to a server, and when a financial transaction occurs, transmits a second face image of the user obtained in real time through the camera function to the server to request authentication; and The system includes a server that analyzes the ID card image to extract basic biometric information, analyzes the first face image to extract first biometric information, compares the extracted basic biometric information with the extracted first biometric information to authenticate the user, and stores the first biometric information when the authentication of the user is successful. The above server is, Based on the occurrence of the above financial transaction, when the second face image is received from the mobile terminal, the received second face image is analyzed to extract second biometric information, and A system that performs authentication for financial transactions of the user by comparing the extracted second biometric information and the stored first biometric information.
In Article 1, The above server is, A system for transmitting the above-mentioned first biometric information to a financial institution server for distributed storage.
In Article 1, The above server is, When information regarding a financial transaction is received from the mobile terminal, the received information is compared with information regarding the user's past transaction history to determine whether the financial transaction is an abnormal transaction, and If the above financial transaction is determined to be an abnormal transaction, the face image of the above user is requested, and A system that receives a third face image of the user in real time through the camera function of the application in response to the above request.
In Paragraph 3, The above server is, The third biometric information is extracted by analyzing the received third face image, and A system for determining whether to process the financial transaction by comparing the extracted third biometric information with the stored first biometric information.
In Paragraph 4, The above server is, If the extracted third biometric information and the stored first biometric information are identical, the financial transaction is processed, and A system that notifies the mobile terminal that the financial transaction is an abnormal transaction if the extracted third biometric information and the stored first biometric information are not identical.
In Article 1, The above-mentioned mobile terminal is, When the application providing the above financial transaction is reinstalled, the camera function of the said application is activated, and Acquire the user's fourth face image in real time through the activated camera function above, and A system for transmitting the fourth face image acquired in real-time to the server.
In Article 6, The above server is, Extracting fourth biometric information from the above fourth face image, and Compare the stored first biometric information and the extracted fourth biometric information, and If the first biometric information and the fourth biometric information are identical, the mobile terminal is notified that face authentication has been registered, and A system that notifies the mobile terminal that face authentication has not been registered if the first biometric information and the fourth biometric information are not identical.
In a method performed in a system that prevents abnormal transactions by performing facial authentication during financial transactions, A process in which a mobile terminal activates the camera function of an application providing financial transactions to photograph an ID card and transmits an ID card image and a first face image obtained by photographing the user's face in real time to a server to request registration; The process of the above server analyzing the ID card image to extract basic biometric information; The above server analyzes the first face image and extracts first biometric information; A process in which the above server authenticates the user by comparing the extracted basic biometric information with the extracted first biometric information; The process of the above server storing the first biometric information when the authentication of the user is successful; A process in which, when a financial transaction occurs, the mobile terminal transmits a second face image of the user, acquired in real time through the camera function, to the server to request authentication; The process of the server extracting second biometric information by analyzing the second face image received from the mobile terminal based on the occurrence of the financial transaction; and A method comprising the process of performing authentication for a financial transaction for the user by comparing the extracted second biometric information and the stored first biometric information.
In Article 8, The above method is, A process in which, when the server receives information regarding a financial transaction from the mobile terminal, it compares the received information with information regarding the user's past transaction history to determine whether the financial transaction is an abnormal transaction; A process in which the above server requests the user's face image if it determines that the above financial transaction is an abnormal transaction; A process in which the above server receives a third face image of the user acquired in real time through the camera function of the above application in response to the above request; The above server analyzes the received third face image to extract third biometric information; and A method comprising a process in which the server determines whether to process the financial transaction by comparing the extracted third biometric information with the stored first biometric information.
In Article 8, The above method is, When the application providing the above financial transaction is reinstalled, the mobile terminal activates the camera function of the application; The process of the above mobile terminal acquiring a fourth face image of the user in real time through the activated camera function; The process of the above mobile terminal transmitting the fourth face image acquired in real time to the above server; The above server performs the process of extracting fourth biometric information from the fourth face image; A process of comparing the stored first biometric information and the extracted fourth biometric information; A process of notifying the mobile terminal that face authentication has been registered if the first biometric information and the fourth biometric information are identical; and A method comprising the process of notifying the mobile terminal that face authentication has not been registered if the first biometric information and the fourth biometric information are not identical.

Description

A system and method for preventing anomalous transactions by performing face authentication during financial transactions The present invention relates to a system and method for preventing fraudulent transactions by performing facial authentication during financial transactions. Currently, online identity verification using an ID card is performed by determining only whether there are elements of forgery or alteration in the ID card itself, which is recognized through a camera mounted on a mobile device. However, this method only verifies forgery or alteration of the ID and does not compare the photo displayed on the ID with the user's actual appearance. In other words, conventional technology does not match or compare the photo data displayed on the ID with the actual photo of the user possessing the ID. In addition, the ID photo and the face on the video call are visually compared during a video call between counselors. However, since this method relies on the counselor's subjective judgment, it has the problem of not only causing inconvenience by requiring the counselor to manually verify faces and potentially leading to errors or misidentifications due to counselor mistakes, but also failing to fundamentally prevent financial fraud or abnormal transactions. Therefore, there is a need for technology that can fundamentally block abnormal financial transactions or financial fraud by objectively verifying user authentication in financial transactions. FIG. 1 is an exemplary diagram showing a system that prevents abnormal transactions by performing facial authentication during financial transactions according to one embodiment of the present invention. FIG. 2 is a flowchart illustrating a process of performing authentication by comparing an identification card image and a face image acquired in real time through a camera within an application according to an embodiment of the present invention. FIG. 3(a) is an example diagram showing a screen displaying a face authentication menu in an application according to one embodiment of the present invention. Figure 3(b) is an example diagram showing a guidance screen for a mobile terminal to photograph an identification card through the camera of an application according to one embodiment of the present invention. Figure 3(c) is an example diagram showing a state in which a mobile terminal according to one embodiment of the present invention has activated the camera function of an application to take an image of an identification card. FIG. 4(a) is an example diagram showing a state in which a mobile terminal according to one embodiment of the present invention captures a user's face image in real time through the camera of an application. FIG. 4(b) is an example diagram showing that a mobile terminal according to one embodiment of the present invention has registered face authentication through an application. FIG. 5(a) is an example diagram showing a mobile terminal displaying a guidance message as a financial transaction occurs, according to one embodiment of the present invention. FIG. 5(b) is an example diagram showing a mobile terminal displaying a guidance message to capture a face image according to one embodiment of the present invention. Figure 5(c) is an exemplary diagram showing a state in which a mobile terminal according to one embodiment of the present invention captures a user's face image in real time through the camera of an application. FIG. 6(a) is an example diagram showing a notification indicating that face authentication has been completed through an application by a mobile terminal according to one embodiment of the present invention. FIG. 6(a) is an example diagram showing a screen in which a mobile terminal according to one embodiment of the present invention receives information for financial transactions through an application. FIG. 7 is a flowchart illustrating a process for detecting abnormal transactions according to an embodiment of the present invention. FIG. 8(a) is an example diagram showing a mobile terminal displaying a guidance message as an abnormal transaction occurs, according to one embodiment of the present invention. FIG. 8(b) is an example diagram showing a mobile terminal displaying a guidance message to capture a face image according to one embodiment of the present invention. FIG. 9(a) is an exemplary diagram showing a state in which a mobile terminal according to one embodiment of the present invention captures a user's face image in real time through the camera of an application. FIG. 9(b) is an example diagram showing a notification indicating that face authentication has been completed through an application by a mobile terminal according to one embodiment of the present invention. FIG. 10 is a flowchart illustrating the process of registering face authentication when an application according to one embodiment of the present invention is reinstalled. FIG. 11 (a) is an example diagram showing a mobile terminal dis