WO2018117288A1

WO2018117288A1 - Method for opening non-face-to-face financial account by using mobile terminal, and system therefor

Info

Publication number: WO2018117288A1
Application number: PCT/KR2016/014988
Authority: WO
Inventors: 이종명
Original assignee: 이종명
Priority date: 2016-12-21
Filing date: 2016-12-21
Publication date: 2018-06-28

Abstract

The present invention relates to a method for opening a non-face-to-face financial account by using a mobile terminal, which is excellent in convenience and safety, and a system therefor. The present invention comprises: (A) primarily checking whether falsification or tampering has occurred in a personal information document, by using a mobile terminal; (B) transmitting personal information to a financial institution server when no falsification or tampering has occurred, and displaying a message in the mobile terminal and performing termination when falsification or tampering has occurred; (C) determining, by the financial institution server, whether the personal information matches a client's personal information stored in a database of a state institution to secondarily check whether falsification or tampering has occurred; (D) transmitting an inquiry result to the financial institution server by a state institution server; and (E) performing identification authentication via a mobile phone and opening a financial account, by the financial institution server.

Description

Non-face-to-face financial account opening method and mobile system using mobile terminal

The present invention relates to a non-face-to-face financial account opening method and system using a mobile terminal having excellent convenience and stability.

In recent years, the number of foreigners staying in Korea has surged due to studying abroad. These foreigners have various economic activities while staying in Korea. Most foreigners, especially foreign workers, come to Korea to make money, and they need to remit the money they make. However, in the current situation, remittances are made overseas through currency exchange, etc., and the demand for foreigners to open a financial account in their own name is rapidly increasing. Foreigners, in particular, may be reluctant to open bank accounts by visiting bank counters due to language problems. Therefore, there is a constant demand for a method of opening a financial account so that it can be easily and securely secured online.

The present invention is to provide a non-face-to-face financial account opening method and system using a mobile terminal excellent in convenience and stability.

One aspect of the present invention for solving the above problems, (A) by extracting the personal information from the personal information document obtained by photographing the customer's personal information document using a mobile terminal whether the forgery and tampering of the personal information document; In the first step of checking, (B) as a result of checking forgery and alteration, if the personal information document is not forged or altered, the personal information is transmitted to the financial institution server, and if the personal information document is forged or altered, the mobile terminal Displaying and ending the message in (C), the financial institution server transmits the received personal information to the national institution server to determine whether the personal information obtained from the personal information document matches the personal information of the customer stored in the national institution database. Secondly confirming whether the personal information document is forged or altered by requesting confirmation, (D) the national agency server, Inquiring whether the personal information stored in the database and the personal information received from the financial institution server match and transmitting the inquiry result to the financial institution server; and (E) the financial institution server, if the personal information is identical, authenticates itself through a mobile phone. Open a financial account and send the opened financial account information to the customer's mobile terminal, and if the personal information does not match or the personal authentication is not completed, send the message to the customer's mobile terminal. It may be a method of opening a non-face-to-face financial account using a mobile terminal, including transmitting and terminating.

Another aspect of the present invention may be a non-face-to-face financial account opening system using a mobile terminal including a mobile terminal, a financial institution server connected through a mobile terminal and an information communication network, and a national institution server connected through a financial institution server and an information communication network. .

According to the present invention, since the personal information (eg, identification information) is automatically extracted from the personal information document (for example, identification card) in the mobile terminal itself, the convenience can be remarkably improved as compared to manual entry by a person. Can be.

Further, according to the present invention, since OCR processing of personal information document (identity card) image is performed to correct personal information document image when acquiring personal information, misreading rate such as text can be significantly reduced, and also mobile terminal Security and safety can be improved because primary and secondary institutions check whether or not forgery or alteration of personal information documents (eg identification card).

1 is a schematic diagram showing the flow of a method of opening a non-face-to-face financial account using a mobile terminal according to an aspect of the present invention.

Figure 2 is a schematic diagram showing a non-face-to-face financial account opening system using a mobile terminal according to another aspect of the present invention.

DESCRIPTION OF THE EMBODIMENTS Preferred embodiments of the present invention will be described with reference to the accompanying drawings. Embodiment of the present invention can be modified in various other forms, the scope of the present invention is not limited to the embodiments described below. Embodiments of the present invention are provided to more completely describe the present invention to those skilled in the art. Accordingly, the shape and size of elements in the drawings may be exaggerated for clarity, and the elements denoted by the same reference numerals in the drawings are the same elements.

Figure 1 schematically shows the flow of a non-face-to-face financial account opening method using a mobile terminal according to an aspect of the present invention. Figure 2 schematically shows a non-face-to-face financial account opening system using a mobile terminal according to another aspect of the present invention.

Referring to Figure 1, one aspect of the present invention, (A) using the mobile terminal to extract the personal information from the personal information document image obtained by photographing the customer's personal information document whether the forgery and tampering of the personal information document In the first step of checking, (B) as a result of checking forgery and alteration, if the personal information document is not forged or altered, the personal information is transmitted to the financial institution server, and if the personal information document is forged or altered, the mobile terminal Displaying and ending the message in (C), the financial institution server transmits the received personal information to the national institution server to determine whether the personal information obtained from the personal information document matches the personal information of the customer stored in the national institution database. Secondly confirming whether the personal information document is forged or tampered with, (D) the national agency server, the national agency database Inquiring whether the personal information stored in the personal information received from the financial institution server is identical, and transmitting the inquiry result to the financial institution server; and (E) the financial institution server, if the personal information is identical, performs identity verification through a mobile phone. If the personal authentication is completed, open a financial account and send the opened financial account information to the customer's mobile terminal.If the personal information does not match or the personal authentication is not completed, send the message to the customer's mobile terminal. It may be a method of opening a non-face-to-face financial account using a mobile terminal, including the step of terminating.

First, forgery of personal information documents by extracting personal information (eg identification information) from personal information document images (eg identification card images) obtained by photographing customer's personal information documents (eg identification card) using a mobile terminal. It can be primarily confirmed whether the modulation (step (A)). Personal information documents may include resident registration card, driver's license, alien registration card, passport, disability welfare card, national merit certificate, family relationship certificate, resident registration card, business registration card or seal certificate.

Specifically, (1) photographing personal data documents using a mobile terminal to obtain a personal data document image, (2) correcting a personal data document image, and (3) correcting the personal data document image by OCR. Process to obtain personal information, and (4) resident registration number of resident registration card, resident registration number and license number of driver's license, passport number of passport, alien registration number of alien registration card, resident registration number of disabled welfare card, national merit certificate Resident registration number and veteran number, resident registration number of resident registration card, resident registration number or corporation registration number of business registration certificate, resident registration number or corporation registration number of seal certificate to check whether the generation logic of the corresponding number to check forgery and alteration of the personal information document It may include a step.

(1) In the step of obtaining a personal information document image by photographing a personal information document (for example, an identification card) using a mobile terminal, a mobile phone with a camera attached to the camera, a pad, etc. may be used. no limits.

(2) In the step of correcting the personal data document image, when the personal data document image is tilted, it can be horizontally corrected by rotating it (tilt correction). In addition, if the image of the personal data document has a margin outside the border of the personal data document, it may be removed (margin correction). In addition, in some cases, holograms are inserted in the ID card to prevent forgery and modulation. In this case, the reflected light may be distorted due to the hologram, and the distorted light may be corrected (light correction). Tilt correction, margin correction, and light correction may be performed singly or in combination thereof. In the present invention,

Since the process of correcting the unknown, the reading rate of characters, etc. can be significantly reduced when extracting personal information.

(3) In the step of OCR processing the corrected personal data document image to obtain personal information, the recognition area is extracted from the personal data document image, and the character is extracted from the extracted area by character units, This can be done by using a character recognition algorithm to recognize the character. Since personal information is automatically recognized through OCR processing, time and cost can be significantly reduced compared to the method of inputting by handwriting.

Personal information may include, i) the name, resident registration number, address and date of issue if the personal information document is a resident registration card; and ii) the name, license number, resident registration number and date of issue if the personal information document is a driver's license. And iii) if the personal information document is a passport, it may include the last name, first name, sex, date of birth, nationality, passport number and expiration date; and iv) if the personal information document is an alien registration card, alien registration number, name, nationality. V) the type of visa, the date of issue and the issuing authority; and v) if the personal information document is a welfare card for persons with disabilities, the name, social security number, type and grade of disability, address, issue date and issuer. If the personal information document is a national merit certificate, it may include the name, social security number, object, veteran's number, issue date, date of registration and issuer, and vii) If the resident registration card is the householder's name, address, household member's name and resident registration number, issue date and issuing agency, and viii) If the personal information document is a business registration certificate, the business type, trade name or company name, representative, date of establishment , Resident registration number or corporation registration number, business location, business address or headquarters location, type of business, issue date and issuer; and ix) if the personal information document is a seal certificate, name or corporation name, social security number or corporation The identification number may include the registration number, address or location of the business, the seal of the seal, the date of issue and the issuer.

(4) The step of checking whether the personal information document is forged or tampered with may include the resident registration number of the resident registration card, the resident registration number and license number of the driver's license, the passport number of the passport, the alien registration number of the alien registration card, the resident registration number of the disabled welfare card, Resident registration number and veteran number of national merit certificate, resident registration number of resident registration card, resident registration number or corporation registration number of business registration certificate, resident registration number or corporation registration number of seal certificate can be made by confirming whether the generation logic of the corresponding number is met.

First, by checking whether each number itself is properly generated by the generation logic of the corresponding number by using the software installed in the mobile terminal, the primary judgment is whether the personal information document is forged or tampered with. For the other personal information, the national institution server can confirm whether the personal information document is forged or altered by checking whether it matches with the database. That is, by double checking, security and safety can be improved.

Next, if the personal information document is not forged or altered as a result of the verification of forgery and alteration, the acquired personal information is transmitted to the financial institution server, and if the personal information document is found to be forged or altered, the financial account is transferred to the mobile terminal. A message indicating that the opening is not possible can be displayed (step (B)).

Next, the server of the financial institution may request that the received personal information is transmitted to the national institution server to inquire whether the personal information obtained from the personal information document matches the personal information stored in the national institution database. As a result, it is possible to secondaryly check whether the personal information document is forged or altered (step (C)).

In particular, if the customer is a foreigner, whether the validity period of the passport has not elapsed on the basis of the application date through the database connected to the Ministry of Justice, whether or not he / she stays in the country on the day of the application by checking the date of entry and exit, whether there is a criminal history, Additional requests may be made to verify whether or not you are a suspected terrorist.

Due to the possibility of opening a financial account online, you can apply for issuing a financial account using a mobile terminal not only in Korea but also in foreign countries.If a foreigner staying in a foreign country opens an account with a domestic bank, There is a problem that it can be used for illegal purposes in a foreign country. In order to prevent such problems, it may be required as an account opening requirement that the passport is valid on the day of application and that the applicant must be in Korea. Immigration records can be checked by connecting to the immigration office's database.

In addition, in order to prevent the issued financial accounts from being used as accounts of criminal groups or terrorist groups, an additional request may be made to verify the applicant's criminal history and whether he is a suspected terrorist. Such data can be used by prosecution or police databases.

Next, the national institution server may transmit an inquiry result on whether the personal information obtained from the personal information document matches the personal information stored in the national institution database to the financial institution server (step (D)). The server of the national agency may include one or more selected from the group consisting of a server and an administrative server. Personal information included in the resident registration card or driver's license can be verified by connecting to the Ministry of Government Administration and Home Affairs. Personal information contained in the passport or alien registration card can be verified by connecting to the Ministry of Justice. Here, only the Ministry of Government Administration and Home Affairs server and the Ministry of Justice server are listed, but are not necessarily limited thereto. For the necessary data, it is possible to check the authenticity of personal information by connecting to other national agency servers.

In particular, if the customer is a foreigner, the additional request is made: whether the validity of the passport has not passed on the date of application, whether or not he / she stays in the country on the day of the application by checking the date of entry and exit, whether he or she has a criminal history, or is a suspected terrorist. The result can also be transmitted to the financial institution server.

Next, the financial institution server may receive the inquiry result from the national institution server and perform the next process according to the result. When receiving the inquiry result that the personal information is matched from the server of the national institution, the server of the financial institution can perform the identity verification through the mobile phone of the customer. When signing up for a mobile phone, Koreans must present their resident registration card or driver's license, and for foreigners, they must present their alien registration card. Therefore, they can verify their identity by confirming whether they match the personal information on their resident registration card or alien registration card. When the identity verification is completed, the financial institution server may open a financial account and transmit the opened financial account information to the mobile terminal of the customer.

However, when receiving an inquiry result from the national institution server that the personal information does not match, or if the authentication is not completed, the message can be sent to the mobile terminal of the customer and terminated (step (E)).

Figure 2 schematically shows a non-face-to-face financial account opening system using a mobile terminal according to another aspect of the present invention.

2, a non-face-to-face financial account opening system using a mobile terminal according to another aspect of the present invention, a mobile terminal, a financial institution server connected through a mobile terminal and an information communication network, and a financial institution server and an information communication network are connected. It may include a national agency server. 2 shows only the Internet as an information communication network, but is not limited thereto, and an internal dedicated line (internal network) may be used. In addition, although wired or wireless communication may be connected, wired communication is preferable for transaction safety.

The mobile terminal includes an image capturing unit for capturing a personal data document of the customer to obtain an image of the personal data document, an image corrector for correcting the image of the personal data document obtained from the image capturing unit, and a corrected personal data image of the OCR ) OCR processing unit to obtain personal information of symbols, numbers, letters and pictures recorded on personal information documents, and personal information obtained from OCR processing unit to distinguish the types of personal information documents (e.g. resident registration card, Driver's license, passport, etc.) may include a controller for determining whether the personal information document is forged or tampered with.

The imaging unit may include a camera of the mobile terminal. Personal information documents may be obtained by photographing personal information documents through a camera of the mobile terminal. However, it is not necessarily limited thereto. In other words, using a device other than the camera of the mobile terminal, it is also possible to load and use the personal information document images already taken and stored.

The image correcting unit corrects the personal information document if it is not correct. For example, when photographing an ID card using a mobile terminal, the ID card may be photographed in an inclined state due to various circumstances, or may include a margin outside the border of the ID card. In some cases, holograms or the like are inserted in the ID card in order to prevent forgery or tampering. In this case, the ID card may be photographed somewhat differently from the original. An image corrector may be included to correct the ID image, and the image corrector may include a tilt corrector, a margin corrector, and a light corrector. If the ID card is tilted, the tilt correction unit rotates it and horizontally corrects it. The margin correction unit corrects the image ID if there is a margin outside the ID frame, and the light correction unit corrects the distorted light due to the hologram. can do.

The OCR processor may extract a recognition region from the personal data document image, extract characters from the extracted region by characters, and recognize a character using a character recognition algorithm. Personal information can only be obtained by OCR processing. Prior to OCR processing, personal information documents exist simply as images, but can be valuable as personal information by recognizing them as text through OCR processing. In addition, it is possible to prevent the leakage of personal information in advance by treating a part of the social security number with special characters.

The personal information document may be a resident registration card, driver's license, alien registration card, passport, disability welfare card, national merit certificate, family relationship certificate, resident registration card, business registration card or seal certificate. Personal information includes, i) the name, resident registration number, address and date of issue if the personal information document is a resident registration card; and ii) the name, license number, resident registration number and date of issue if the personal information document is a driver's license. iii) If the personal information document is a passport, include the last name, first name, gender, date of birth, nationality, passport number and expiration date; and iv) if the personal information document is an alien registration card, alien registration number, name, nationality, visa type V) the personal information document is a welfare card for persons with disabilities, including name, social security number, type and grade of disability, address, issue date and issuer; and vi) In the case of a certificate of merit, include the name, resident registration number, object, veteran's number, issue date, date of registration and issuer. Vii) If the personal information document is a resident registration card, Name, address, household member's name and resident registration number, issue date and issuing agency; and viii) if the personal information document is a business registration certificate, the type of business, company or corporation name, representative, date of establishment, resident registration number or corporation registration number, workplace Including the location, the address of the business operator or the location of the head office, the type of business, the date of issuance, and the issuing organization; and ix) if the personal information document is a seal certificate, the name or corporation name, resident registration number or corporate registration number, address or place of business, seal It may include the person's name, date of issue, and issuer.

The controller may use the personal information acquired by the OCR processor to distinguish the types of personal information documents and determine whether the personal information documents are forged or tampered with. The control unit may determine whether the personal information document is forged or tampered with. The control unit is provided with software for making such a determination. If the personal information document is a resident registration card, check the validity of the resident registration number based on the logic of generating the resident registration number.If the personal information document is a passport, verify the validity of the passport number based on the logic for generating the passport number. In case of alien registration card, the validity of alien registration number is verified according to the logic of generating alien registration number.If the personal information document is a welfare card for the disabled, the validity of the resident registration number is verified by the logic of generating resident registration number. In the case of a national merit certificate, the validity of the resident registration number and the number is determined by the generation logic of the resident registration number and veteran number.If the personal information document is the resident registration card, the validity of the resident registration number is confirmed by the generation logic of the resident registration number. Business Registration Certificate The validity of the resident registration number (corporation registration number in the case of a corporation) is verified in the logic for generating the resident registration number (corporation registration number in the case of a corporation) .If the personal information document is a seal certificate, the resident registration number (corporation registration number in the case of a corporation) By verifying the validity of the social security number (corporation registration number in the case of a corporation) by the logic of generating, it is possible to primarily determine whether the personal information document is forged or tampered with.

It is to check the number generated by a certain logic of the various personal information, to determine whether such number is generated based on the logic. This step does not check other items than these numbers, and these items can be checked later by checking with the national institution server. The forgery and tampering of such personal information documents can be determined using an application program (software) installed in the mobile terminal. The present invention mainly checks whether the personal information document is forged or tampered with the mobile terminal itself, and later checks whether the personal information document is forged or tampered again through a national institution server. In other words, security and safety can be improved by double checking whether the ID card is forged or altered.

The financial institution server transmits the personal information of the customer who has been identified as forgery or alteration, received from the mobile terminal, to the national institution server so that the personal information obtained from the personal information document matches the personal information stored in the national institution database. Can be retrieved. In this way, personal information documents can be secondarily checked for forgery and tampering. The financial institution server simply plays a role of encrypting the customer's personal information and transmits it to the national institution server. The financial institution server does not discriminate whether the personal information document is forged or tampered with, thus significantly reducing the workload of the financial institution.

However, if the personal information document is a seal certificate, the financial institution server checks whether the seal of the seal obtained from the personal information document matches the seal of the seal stored in the database of the financial institution, and forgery and alteration of the personal information document. You can also check additionally.

In addition, if the customer is a foreigner, the server of the financial institution has not passed the validity period of the passport on the day of application, whether he / she stays in the country on the day of the application by checking the date of entry and exit, whether he or she has a criminal history, or terrorism. You can request additional confirmation from the national agency server whether you are a suspect.

The national institution server may transmit a query result to the financial institution server for a request to confirm whether the personal information obtained from the personal information document of the customer matches the personal information of the customer stored in the national institution database. The server of the national agency may include one or more selected from the group consisting of a server and an administrative server. Personal information included in the resident registration card or driver's license can be verified by connecting to the Ministry of Government Administration and Home Affairs. Personal information contained in the passport or alien registration card can be verified by connecting to the Ministry of Justice. Here, only the Ministry of Government Administration and Home Affairs server and the Ministry of Justice server are listed, but are not necessarily limited thereto. For the necessary data, it is possible to check the authenticity of personal information by connecting to other national agency servers.

In particular, if the customer is a foreigner, the national institution server, through the database connected to the Ministry of Justice, whether the expiration date of the passport has not elapsed, whether the person stays in Korea on the day of entry and departure, and criminal history If there is a presence of a suspected terror suspect, and send the result to the financial institution server.

The fact that you can open a financial account online, you can apply for issuing a financial account using a mobile terminal not only in Korea but also in foreign countries.If a foreigner staying in a foreign country opens an account with a domestic bank, There is a problem that can be used in foreign countries for illegal purposes. In order to prevent such a problem, it may be required that the passport is valid on the day of the application and that the applicant must be in Korea. Immigration records can be checked by connecting to the immigration office's database.

In addition, in order to prevent the issued financial accounts from being used as accounts of criminal groups or terrorist groups, additional requests may be made to verify the criminal history of the applicant and whether he or she is a suspected terrorist. Such data can be used by prosecution or police databases.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. Singular expressions should be considered to include plural meanings unless the context clearly dictates them. The terms 'comprise' or 'have', etc., mean that there is a feature, number, step, operation, component, or combination thereof described on the specification, but not intended to exclude it.

It is intended that the invention not be limited by the foregoing embodiments and the accompanying drawings, but rather by the claims appended hereto. Accordingly, various forms of substitution, modification, and alteration may be made by those skilled in the art without departing from the technical spirit of the present invention described in the claims, which should also be regarded as belonging to the scope of the present invention. something to do.

Claims

(A) extracting personal information from an image of a personal data document obtained by photographing a personal data document of a customer using a mobile terminal, and primarily checking whether the personal data document is forged or tampered with;

(B) As a result of checking whether the personal information document is forged or tampered with, the personal information is transmitted to a financial institution server if the personal information document is not forged or tampered with, and a message is sent to the mobile terminal if the personal information document is forged or tampered with. Displaying and terminating;

(C) The financial institution server transmits the received personal information to a national institution server and requests whether the personal information obtained from the personal information document matches the personal information of the customer stored in the national institution database to request the personal information. Secondary checking whether the document has been forged or altered;

(D) the national institution server, querying whether the personal information stored in the national institution database and the personal information received from the financial institution server match, and transmitting the inquiry result to the financial institution server; And

(E) the financial institution server, if the personal information is matched, performs a personal authentication through a mobile phone, if the personal authentication is completed, open a financial account and transmit the opened financial account information to the mobile terminal of the customer, the personal If the information does not match or the identity authentication is not completed, the step of transmitting and ending the message to the mobile terminal of the customer; comprising, a non-face-to-face financial account opening method using a mobile terminal.
The method of claim 1,

The personal information document includes at least one selected from the group consisting of a resident registration card, a driver's license, an alien registration card, a passport, a disability welfare card, a national merit certificate, a family relationship certificate, a resident registration card, a business registration certificate and a seal certificate. How to open a non-face to face financial account.
The method of claim 1,

The personal information includes, i) the name, resident registration number, address, and date of issue if the personal information document is a resident registration card; and ii) the name, license number, resident registration number and date of issue if the personal information document is a driver's license. Iii) if the personal information document is a passport, including the last name, first name, sex, date of birth, nationality, passport number and expiration date; and iv) the alien registration number and name if the personal information document is an alien registration card. , Nationality, visa type, issue date and issuing agency; and v) if the personal information document is a welfare card for persons with disabilities, name, resident registration number, type and grade of disability, address, issue date and issuer. If the personal information document is a national merit certificate, it includes the name, resident registration number, object, veteran's number, issue date, date of registration and issuer. Vii) The personal information If the document is a resident registration card, include the householder's name, address, household member's name and resident registration number, issuance date, and issuing agency; and viii) if the personal information document is a business registration certificate, the type of business, company or company name, representative, opening of business. Date, resident registration number or corporate registration number, location of business place, address of business or headquarters, type of business, date of issuance, and issuer; and ix) if the personal information document is a seal certificate, name or corporation name, social security number or A method of opening a non-face-to-face financial account using a mobile terminal, including a corporation registration number, address or business location, seal seal, date of issuance, and issuer.
The method of claim 1,

(A) step,

(1) photographing a personal information document using a mobile terminal to obtain a personal information document image;

(2) correcting the personal data document image;

(3) OCR processing the corrected personal data document image to obtain personal information; And

(4) Resident registration number of resident registration card, resident registration number and license number of driver's license, passport number of passport, alien registration number of alien registration card, resident registration number of disabled person's welfare card, resident registration number and veteran number of national merit certificate, Checking whether the personal information document is forged or altered by checking whether the resident registration number or the corporation registration number of the business registration certificate, the resident registration number of the seal certificate, or the corporate registration number conforms to the generation logic of the corresponding number; How to open a non-face to face financial account.
The method of claim 4, wherein

(2) The correction of the stage,

If the personal data document image is tilted, it is rotated to correct the horizontal tilt correction, if there is a margin beyond the border of the personal data document in the personal document image margin correction to remove it, and the hologram is distorted by A method of opening a non-face-to-face financial account using a mobile terminal, comprising performing one or more selected from a group consisting of light correction to correct light.
The method of claim 1,

The server of the national institution, at least one selected from the group consisting of a server of the Ministry of Government Administration and Home Affairs and the Ministry of Justice, a non-face-to-face financial account opening method using a mobile terminal.
The method of claim 4, wherein

OCR process of step (3),

A non-face-to-face financial account using a mobile terminal made by extracting a recognition region from the personal information document image, extracting a feature of the character by dividing the character into characters in the extracted region, and using a character recognition algorithm. How to open.
The method of claim 1,

If the customer is a foreigner,

In step (C), the server of the financial institution has not passed the validity period of the passport on the basis of the application date, whether to stay in the country on the day of the application by checking the date of entry and exit, whether there is a criminal history, or is a suspected terrorist. Request additional confirmation to the server of the national agency,

In the step (D), the server of the national institution has not passed the validity period of the passport on the day of application, whether to stay in the country on the day of the application by checking the date of entry and exit, whether there is a criminal history, or whether it is a suspected terrorist. Confirming through the database connected to the server of the Ministry of Justice and transmitting the result to the financial institution server,

How to open a non-face-to-face financial account using a mobile terminal.
The method of claim 1,

If the personal information document is a seal certificate,

In step (C), the financial institution server checks whether the seal of the seal obtained from the personal information document is identical to the seal of the seal stored in the database of the financial institution to determine whether the personal information document is forged or altered. Additional confirmation, non-face-to-face financial account opening method using a mobile terminal.
Mobile terminal;

A financial institution server connected to the mobile terminal through an information communication network; And

A system for opening a non-face-to-face financial account using a mobile terminal, comprising: a national institution server connected to the financial institution server through an information communication network.

The mobile terminal,

An imaging unit which photographs a customer's personal information document to obtain a personal information document image;

An image correcting unit correcting the personal information document image obtained by the imaging unit;

An OCR processor for processing OCR (Optical Character Reader) of the corrected personal data document image to obtain personal information of symbols, numbers, letters, and pictures recorded in the personal data document; And

By using the personal information obtained by the OCR processor, the type of the personal information document is distinguished, and when the personal information document is a resident registration card, the validity of the resident registration number is determined based on the generation logic of the resident registration number. In the case of a passport, the validity of the passport number is determined based on a logic for generating a passport number. When the personal information document is an alien registration card, the validity of the alien registration number is determined based on a logic for generating an alien registration number. And a controller for primarily checking whether the personal information document is forged or tampered with.

The financial institution server transmits the personal information of the customer, which has been identified as forgery or tampering, received from the mobile terminal to the national institution server so that the personal information obtained from the personal information document is stored in the national institution database. Request the inquiry to match the information, and secondly confirm whether the personal information document is forged or altered,

The national institution server, a non-face-to-face financial account opening system using a mobile terminal for inquiring whether the personal information obtained from the personal information document is consistent with the personal information stored in the national institution database, and transmits the result to the financial institution server.
The method of claim 10,

The image corrector may include a tilt corrector configured to horizontally correct the tilted personal information document if it is tilted, a margin corrector to remove the blank if the personal data document image has a margin outside the border of the ID card, and a hologram. Non-face-to-face financial account opening system using a mobile terminal, including a light correction unit for correcting the distorted light.
The method of claim 10,

The OCR processor extracts a recognition region from the personal data document image, extracts a character feature by separating characters from the extracted region by characters, and then recognizes the character using a character recognition algorithm. Face-to-face financial account opening system.
The method of claim 10,

The personal information document includes at least one selected from the group consisting of a resident registration card, a driver's license, an alien registration card, a passport, a welfare card for the disabled, a national merit certificate, a resident registration card, a business registration certificate, and a seal certificate. Opening system.
The method of claim 10,

The personal information includes, i) the name, resident registration number, address, and date of issue if the personal information document is a resident registration card; and ii) the name, license number, resident registration number and date of issue if the personal information document is a driver's license. Iii) if the personal information document is a passport, including the last name, first name, sex, date of birth, nationality, passport number and expiration date; and iv) the alien registration number and name if the personal information document is an alien registration card. , Nationality, visa type, issue date and issuing agency; and v) if the personal information document is a welfare card for persons with disabilities, name, resident registration number, type and grade of disability, address, issue date and issuer. If the personal information document is a national merit certificate, it includes the name, resident registration number, object, veteran's number, issue date, date of registration and issuer. Vii) The personal information If the document is a resident registration card, include the householder's name, address, household member's name and resident registration number, issuance date, and issuing agency; and viii) if the personal information document is a business registration certificate, the type of business, company or company name, representative, opening of business. Date, resident registration number or corporation registration number, business location, business address or head office location, type of business, issue date and issuing agency; and ix) if the personal information document is a seal certificate , Address, imprint, date of issuance, and issuing authority; x) If the personal information document is a corporate seal certificate, the company registration number, the seal of the corporation seal, name, address, representative, registrar, jurisdiction, date of issuance, and issuer Including, a non-face-to-face financial account opening system using a mobile terminal.
The method of claim 10,

The server of the national institution, the non-face-to-face financial account opening system using a mobile terminal comprising at least one selected from the group consisting of a server and administrative server.
The method of claim 10,

If the customer is a foreigner, the national institution server, through the database connected to the Ministry of Justice, whether the validity period of the passport has not elapsed, whether you stay in Korea on the day of entry and departure date, criminal history A non-face-to-face financial account opening system using a mobile terminal, which additionally checks whether or not there is a suspected terrorist and transmits the result to the financial institution server.