KR102500330B1 - ATM machine with identity authentication function - Google Patents

Abstract

The present invention relates to an ATM device including an identity authentication function.
Various embodiments of the present invention, in the process of opening an account, determine forgery / falsification of the ID card, and compare the face of the ID card holder and the face of the ID photo to authenticate the identity of the ID card holder and its operation method will be.

Description

ATM machine with identity authentication function {ATM machine with identity authentication function}

The present invention relates to an ATM device including an identity authentication function.

Various embodiments of the present invention, in the process of opening an account, determine forgery / falsification of the ID card, and compare the face of the ID card holder and the face of the ID photo to authenticate the identity of the ID card holder and its operation method will be.

With the recent development of fintech technology, more and more financial services are available online without the need to face-to-face with financial transaction staff. In order to confirm the identity of the user in the process of using financial services, the ID card is photographed and transmitted to the financial company, and then the user's identity is confirmed by comparing the user's picture in the ID card with the user's face through video call.

However, it costs unnecessary to verify the user's identity through video calls every time, and if the user plays a pre-recorded video or provides a manipulated video during a video call, the user's identity may be identified as an appropriate identity by mistake. There is a problem with

An ATM device and its operating method according to various embodiments of the present invention, as an invention created to solve the above-mentioned problems, can determine forgery/falsification of an ID card, recognize a user's face from a photographed image, and An ATM device capable of calculating a matching rate between a user's face and a user's photo in an identification card and an operating method thereof may be provided.

According to various embodiments, an automated teller machine (ATM) device supporting payment, deposit and withdrawal, currency exchange, charging and overseas remittance functions includes a display, a communication interface, a camera module, an ID scanner, and a processor, the processor comprising: In response to receiving an account opening request from the user, by scanning the ID of the user using the ID scanner, determining whether the ID is forged/altered, and determining that the ID is not forged/altered. , In order to inquire whether the ID card is valid, the identification information and the user photo extracted from the ID card are transmitted to an external server using the communication interface, and a response indicating that the ID card is valid is received from the external server, A preview image captured using the camera module is displayed on the display, a user's face is recognized in the preview image using an artificial intelligence model for face recognition, and the user's face is Liveness detection is performed to determine whether the fake image is a fake image, and as a result of the liveness detection, if it is determined that the user's face is not a fake image, a specific image is obtained from the preview image. capture, calculate the matching rate between the user's face in the captured specific image and the reference face in the user picture using an artificial intelligence model for calculating the matching rate between faces, and determine the matching rate in advance. If it corresponds to a predetermined first threshold or more, it may be set to generate a QR code associated with opening an account for the user and transmit the QR code to the user device of the user through the communication interface.

The processor may be configured to determine the type of ID card and transmit the ID identification information and the user photo to an external server corresponding to the type of ID card among a plurality of pre-registered external servers.

When receiving a response indicating that the identification card is valid from the external server, the processor displays the partial image of the preview image through the predetermined guide area, while displaying the rest of the display other than the predetermined guide area. region is deactivated, and when the user's face is not recognized from the partial image displayed in the predetermined guide region for a predetermined time from the point of inactivation of the remaining region, the state of the remaining region is changed from a deactivated state to an activated state. switching, and the user's face may be recognized from the preview image displayed on the entire area of the display.

The processor may be configured to stop displaying the preview image and display the captured specific image on the display while calculating the matching rate between the user face and the reference face.

When the matching rate is less than the first predetermined threshold and equal to or greater than the second predetermined threshold, the processor stops displaying the captured specific image and displays a preview image newly captured using the camera module. It may be displayed on the display, and a matching rate with the reference face may be newly calculated using the newly photographed preview image.

When the matching rate is less than the predetermined second threshold, the processor registers a request for the call center to authenticate the user's identity information to the call center, and from the call center, When receiving an identity authentication success response, it is checked whether the user is included in a list of dangerous persons registered in a specific server, and if the user is not included in the list of dangerous persons, the QR code is generated; It may be set to transmit the QR code to the user device of the user.

According to various embodiments of the present invention, firstly self-verifying whether or not the ID card submitted during the account opening process is forged/falsified, and secondarily counterfeiting/falsifying by transmitting identification information and a user photo extracted from the ID card to an external server. After determining whether the user's face recognized from the captured image is a fake image, a reliable identification result can be provided by calculating the matching rate between the recognized user's face and the user's photo. .

The effects obtainable in the present invention are not limited to the effects mentioned above, and other effects not mentioned can be clearly understood by those skilled in the art from the description below. will be.

Also other aspects as described above, features and benefits of certain preferred embodiments of the present invention will become more apparent from the following description taken in conjunction with the accompanying drawings.
1 shows a block diagram of an electronic device and network according to various embodiments of the present invention.
2 is a block diagram of an electronic device according to various embodiments.
3 is a block diagram of program modules according to various embodiments.
4A and 4B are flowcharts illustrating a method of performing user authentication by analyzing an ID submitted by a user in an electronic device implemented in the form of an ATM device, according to various embodiments.
5A and 5B are diagrams illustrating an embodiment in which an electronic device controls a predetermined guide area and other areas in a display according to specific conditions, according to various embodiments.
6 is a diagram illustrating an embodiment in which an electronic device checks a matching rate between a user's face in a captured specific image and a reference face in a user's photo, according to various embodiments.
7A to 7C are diagrams illustrating a first embodiment in which an electronic device implemented in the form of an ATM device issues a QR code and executes a specific function using the issued QR code, according to various embodiments.
8 is a diagram illustrating a second embodiment in which an electronic device implemented in the form of an ATM device issues a QR code and executes a specific function using the issued QR code, according to various embodiments.
FIG. 9 is a diagram illustrating an embodiment in which an electronic device (eg, the electronic device 101 of FIG. 1 ) implemented in the form of a server performs user authentication, according to various embodiments.
It should be noted that throughout the drawings, like reference numbers are used to show the same or similar elements, features and structures.

Hereinafter, various embodiments of this document will be described with reference to the accompanying drawings. Examples and terms used therein are not intended to limit the technology described in this document to specific embodiments, and should be understood to include various modifications, equivalents, and/or substitutes of the embodiments. In connection with the description of the drawings, like reference numerals may be used for like elements. Singular expressions may include plural expressions unless the context clearly dictates otherwise. In this document, expressions such as "A or B" or "at least one of A and/or B" may include all possible combinations of the items listed together. Expressions such as "first," "second," "first," or "second," may modify the corresponding components regardless of order or importance, and are used to distinguish one component from another. It is used only and does not limit the corresponding components. When a (e.g., first) element is referred to as being "(functionally or communicatively) coupled to" or "connected to" another (e.g., second) element, that element refers to the other (e.g., second) element. It may be directly connected to the component or connected through another component (eg, a third component).

In this document, "configured (or configured to)" means "suitable for," "having the ability to," "changed to," depending on the situation, for example, hardware or software. ," can be used interchangeably with "made to," "capable of," or "designed to." In some contexts, the expression "device configured to" can mean that the device is "capable of" in conjunction with other devices or components. For example, the phrase "a processor configured (or configured) to perform A, B, and C" may include a dedicated processor (eg, embedded processor) to perform the operation, or by executing one or more software programs stored in a memory device. , may mean a general-purpose processor (eg, CPU or application processor) capable of performing corresponding operations.

1 shows a block diagram of an electronic device and network according to various embodiments of the present invention.

Referring to FIG. 1 , an electronic device 101 in a network environment 100 in various embodiments is described. The electronic device 101 may include a bus 110, a processor 120, a memory 130, an input/output interface 150, a display 160, and a communication interface 170. In some embodiments, the electronic device 101 may omit at least one of the components or may additionally include other components. Bus 110 may include circuitry that connects components 110-170 to each other and communicates (eg, control messages or data) between components.

The processor 120 may include one or more of a central processing unit, an application processor, or a communication processor (CP). The processor 120 may, for example, execute calculations or data processing related to control and/or communication of at least one other component of the electronic device 101 .

Memory 130 may include volatile and/or non-volatile memory. The memory 130 may store, for example, commands or data related to at least one other component of the electronic device 101 . According to one embodiment, memory 130 may store software and/or programs 140 .

Also, the electronic device 101 according to an embodiment of the present invention may be referred to as an unmanned currency exchange transfer machine, an unmanned currency exchange device, and the like.

Meanwhile, detailed descriptions related to FIGS. 1 to 3 will be described later.

4A and 4B illustrate a method in which an electronic device (eg, the electronic device 101 of FIG. 1 ) implemented in the form of an ATM device performs user authentication by analyzing an ID submitted by a user, according to various embodiments. It is a flow chart for

According to various embodiments, the electronic device 101 may be implemented in the form of an ATM device, and may include a display (eg, the display 160 of FIG. 1 ), a communication interface (eg, the communication interface 170 of FIG. 1 ), It may include a camera module (eg, the camera module 291 of FIG. 2 ), an ID scanner (not shown), and a processor (eg, the processor 120 of FIG. 1 ).

Referring to FIG. 4A , in operation S410 , according to various embodiments, when the electronic device 101 (eg, the processor 120 of FIG. 1 ) receives an account opening request from the user, the electronic device 101 uses the ID scanner to By scanning the ID card of the user, it is possible to determine whether the ID card is forged or falsified.

According to an embodiment, the electronic device 101 checks the validity of identification information (eg, resident registration number, license number, issuance date, etc.) extracted from an identification card according to OCR (Optical Character Reader), and transmits an infrared ray transmitted from an infrared lamp. It is possible to determine whether an ID card has been forged or falsified by performing the steps of infrared inspection for calculating and comparing , and ultraviolet inspection for calculating and comparing ultraviolet reflection values scanned from an ultraviolet lamp. According to an embodiment, when scanning an ID card through an ID scanner, the electronic device 101 may extract identification information and a user picture from the ID card.

In operation S420, according to various embodiments, when the electronic device 101 (eg, the processor 120 of FIG. 1 ) determines that the ID card is not forged/altered, the communication interface ( 170), the identification information extracted from the ID and the user's photo may be transmitted to an external server (eg, the server 106 of FIG. 1).

The external server 106 may be a server that manages personal information operated by a government agency. According to an embodiment, the electronic device 101 may determine the type of ID card based on the result of analyzing the ID card, and select an external server 106 corresponding to the type of ID card among a plurality of pre-registered external servers. ID identification information and user photos may be transmitted. For example, when the type of ID is a passport, the electronic device 101 may transmit ID identification information and a user photo to the Ministry of Foreign Affairs management server corresponding to the passport. For another example, when the type of ID is a driver's license, the electronic device 101 may transmit ID identification information and a user's photo to the National Police Agency management server corresponding to the driver's license.

In operation S430, according to various embodiments, when the electronic device 101 (eg, the processor 120 of FIG. 1) receives a response indicating that the ID card is valid from the external server 106, the camera module 291 A preview image captured using ) is displayed on the display 160, and a user's face can be recognized in the preview image using an artificial intelligence model for face recognition.

The preview image may be composed of a plurality of image frames, and the electronic device 101 may display the image being captured by the camera module 291 on the display 160 in real time as a preview image. According to an embodiment, the electronic device 101 may receive a preview image captured by the user device 102 from the user device 102 in which an application capable of communicating with the electronic device 101 is installed. Operations of the present invention may be performed using the preview image. The electronic device 101 is an artificial intelligence model for face recognition, and may use various face recognition technologies obvious to those skilled in the art.

According to various embodiments, when the electronic device 101 (eg, the processor 120 of FIG. 1 ) receives a response indicating that the ID card is valid from the external server 106 , the electronic device 101 displays a predetermined guide on the display 160 . While displaying a part of the preview image through the region, the remaining regions of the display 160 other than the guide region may be deactivated.

For example, referring to FIG. 5A , when the electronic device 101 receives a response indicating that the ID card is valid from the external server 106, a preview image is displayed through a predetermined guide area 510 of the display 160. While displaying a part of the image 520, the remaining area 530 in the display 160 other than the predetermined guide area 510 may be deactivated. The reason for activating only the predetermined guide area 510 and inactivating the remaining area 530 is not only reducing the power consumption of the display, but also recognizing the user's face in a limited area through the predetermined guide area 510. This is to reduce the amount of data processing operations and deliver fast processing results.

According to various embodiments, the electronic device 101 (eg, the processor 120 of FIG. 1 ) is able to retrieve some images displayed within a predetermined guide area for a predetermined time from the point of inactivating the remaining area within the display 160. When the user's face is not recognized, the state of the remaining regions may be switched from an inactive state to an active state, and the user's face may be recognized from the preview image displayed on the entire region of the display 160 .

For example, referring to FIG. 5B , the electronic device 101 displays a partial image 520 displayed within a predetermined guide area 510 for a predetermined time (eg, 10 seconds) from the point in time when the remaining area 530 is deactivated. If the user's face is not recognized from the display 160, the state of the remaining region 530 is switched from a deactivated state to an active state, and the user's face can be recognized from the preview image 550 displayed on the entire region 540 of the display 160. there is.

Here, the reason for recognizing the user's face from the preview image 550 displayed on the entire area 540 of the display 160 after a predetermined time is to direct the user's face toward the camera so that the user's face is displayed within the predetermined guide area 510. This is to provide convenience to the user by analyzing the preview image 550 displayed on the entire area 540 of the display 160 even if it takes more time to process and analyze the image in view of the circumstances in which it cannot be easily moved. .

In operation S440, according to various embodiments, the electronic device 101 (eg, the processor 120 of FIG. 1) performs liveness detection to determine whether the recognized user's face is a fake image. ) can be performed. The liveness detection technology is a technology for authenticating a real object, and may support a technology for distinguishing whether a person in an image captured by a camera is a real object or an object corresponding to a pre-stored image or a printed photo.

In operation S450, according to various embodiments, when the electronic device 101 (eg, the processor 120 of FIG. 1) determines that the user's face is not a fake image as a result of performing the liveness detection, the preview image A matching rate between a user's face in the captured specific image and a reference face in the user's picture may be calculated by capturing a specific image and using an artificial intelligence model for calculating a matching rate between faces.

For example, referring to FIG. 6 , the electronic device 101 can confirm that the matching rate between the user's face in the captured specific image and the reference face in the user's photo is 95% using the artificial intelligence model. The electronic device 101 is an artificial intelligence model for calculating a match rate between faces, and may use various face matching determination techniques obvious to those skilled in the art. According to an embodiment, after capturing a specific image, the electronic device 101 stops displaying the preview image while calculating the matching rate between the user's face and the reference face, and displays the captured specific image on the display 160. can be displayed on

Referring to FIG. 4B , in operation S460, according to various embodiments, the electronic device 101 (eg, the processor 120 of FIG. 1 ) determines the calculated matching rate (eg, 95%) to a predetermined first threshold (eg, 95%). Example: 90%) or more ('first condition'), a QR code related to opening an account for the user is generated, and the generated QR code is sent to the user's user device (eg, the electronic device 102 of FIG. 1). )) can be sent.

The QR code may include identification information about the user. The QR code related to account opening may refer to (1) a QR code issued after ID verification is completed and before additional information for account opening is entered, or (2) all conditions for account opening are satisfied. After opening a one-time account by doing so, it may mean a QR code indicating the one-time account. Specific embodiments related to this will be described later with reference to FIGS. 7A, 7B, and 8 . The electronic device 101 may perform various functions (eg, payment, deposit/withdrawal, exchange, charging, and overseas remittance) using the QR code.

In the present invention, charging may include charging money, virtual money, points, and/or charging a battery of a portable terminal.

In operation S470, according to various embodiments, the electronic device 101 (eg, the processor 120 of FIG. 1 ) determines that the calculated matching rate (eg, 85%) is less than a first predetermined threshold (eg, 90%). , and if it corresponds to a predetermined second threshold (eg, 80%) or more ('second condition'), the display of the captured specific image is stopped, and a preview image newly captured using the camera module 291 is displayed. It is displayed on the display 160, and the matching rate with the reference face in the ID card may be newly calculated using the newly photographed preview image. In order to newly calculate the matching rate, the electronic device 101 may perform operations S430 to S450 again using a preview image newly captured using the camera module 291 . After comparing the newly calculated matching rate with predetermined thresholds, the electronic device 101 may perform an operation corresponding to a section to which the newly calculated matching rate belongs.

In operation S480, according to various embodiments, the electronic device 101 (eg, the processor 120 of FIG. 1 ) determines that the calculated matching rate (eg, 70%) is less than a predetermined second threshold (eg, 80%). ('Third condition'), additional verification for the user may be performed.

According to an embodiment, the electronic device 101 may register a request to the call center to authenticate the user's identity information to the call center linked with the electronic device 101 . Based on the request, the call center may perform a video call with the electronic device 101 or a video call with the user device 102 to check whether the user's identity matches the ID card, and send the identity authentication result electronically. It can be transmitted to the device 101.

According to an embodiment, when receiving a user's identity authentication success response from the call center, the electronic device 101 may check whether the user is included in a list of risky persons registered in a specific server.

For example, if the electronic device 101 corresponds to an individual customer, (1) EU, OFAC, FATF, UN global sanctions and official list, (2) financial crime-related person of special interest list, (3) political It is possible to check whether the person is included in at least one of the main person list or (4) the list of relatives and close associates of a dangerous person.

For another example, when it is determined that the user is associated with a specific corporation, the electronic device 101 may check whether the specific corporation is included in (1) a list of public corporations and (2) a list of corporations exposed to negative press. .

According to an embodiment, when the user is not included in the risk person list, the electronic device 101 may create an account for the user as a QR code and transmit the QR code to the user device 102 .

According to various embodiments, the electronic device 101 (eg, the processor 120 of FIG. 1 ) (1) determines that the identification card is forged/altered in operation S420, (2) an external server in operation S430 ( 106), if a response indicating that the ID is not valid is received, (3) if it is determined that the user's face recognized in operation S450 is a fake video, or (4) in operation S480, the user is included in the list of dangerous persons In one of the cases, an account opening process may be stopped and a preset screen (eg, an initial screen) may be displayed on the display 160 .

7A to 7C show that an electronic device implemented in the form of an ATM device (eg, the electronic device 101 of FIG. 1 ) issues a QR code and performs a specific function using the issued QR code, according to various embodiments. It is a drawing showing the first embodiment to be implemented.

Referring to FIG. 7A , the electronic device 101 may display a <710> screen for scanning an ID card in response to receiving an account opening request from a user. After scanning the ID card, the electronic device 101 may display a <720> screen to inquire about the authenticity of the identification information extracted from the ID card. In this case, the electronic device 101 may also perform operation S410 of FIG. 4 .

Then, when the user's identity is confirmed by performing operations S420 to S460 of FIG. 4, the electronic device 101 is a QR code related to account opening in operation S460, and a QR code 731 for requesting account opening. ) can be issued (see screen <730>).

The electronic device 101 may print the QR code 731 as a receipt or transmit it to a user device (eg, the electronic device 102 of FIG. 1 ). As an additional step for opening an account, the electronic device 101 may scan the QR code 731 presented by the user and display a <740> screen.

Referring to FIG. 7B , the electronic device 101 may display a <750> screen for obtaining additional information (eg, mobile phone number, password, whether to agree to terms and conditions).

When additional information is input, the electronic device 101 may display a <760> screen including information about a place where the electronic device 101 is installed. Thereafter, the electronic device 101 may display a <770> screen including (1) an account QR code indicating an opened account and (2) a message indicating that the account QR code has been transmitted to the user device 102. there is.

Referring to FIG. 7C , the user device 102 may display a <780> screen, which is a screen on which a dedicated app capable of communicating with the electronic device 101 is executed. In order to use the electronic device 101, the user device 102 may display a <790> screen including an account QR code according to a user's request. The electronic device 101 may display the <800> screen while scanning the account QR code displayed on the user device 102. When the account QR code is successfully recognized by the electronic device 101, the user device 102 may display a <831> screen. The electronic device 101 may display a screen for performing a specific function (eg, overseas remittance function) requested by the user using the information identified from the account QR code.

8 is a diagram in which an electronic device implemented in the form of an ATM device (eg, the electronic device 101 of FIG. 1 ) issues a QR code and executes a specific function using the issued QR code, according to various embodiments. 2 is a drawing showing an embodiment.

Referring to FIG. 8 , after receiving an account opening request from the user, the electronic device 101 may verify the user's identity by performing operations S410 to S460 of FIG. 4 , and when the user's identity is confirmed, S460 As a QR code related to account opening in operation, a QR code 831 indicating a one-time account may be issued (see screen <830>).

The electronic device 101 may display a <840> screen while scanning the account QR code 831 displayed on the user device 102.

When recognizing the account QR code 831, the electronic device 101 may display a screen containing information about the place where the electronic device 101 is installed.

Thereafter, the electronic device 101 may display a screen for performing a specific function (eg, overseas remittance function) requested by the user using the information identified from the account QR code.

FIG. 9 is a diagram illustrating an embodiment in which an electronic device (eg, the electronic device 101 of FIG. 1 ) implemented in the form of a server performs user authentication, according to various embodiments.

Referring to FIG. 9 , the electronic device 101 may be implemented in the form of an ID verification server.

The electronic device 101 may receive an ID card scanned by an ID scanner of the external ATM device 910 from an external ATM device 910 interworking with the electronic device 101, and forge/falsify the scanned ID card. can determine whether The electronic device 101 may transmit a result of determining whether the ID card is forged/altered to the external ATM device 910.

In addition, the electronic device 101 may transmit ID identification information and a user photo extracted from the ID card to the KFTC management server 920 to inquire whether the ID card is valid. The electronic device 101 may receive a result of determining validity of the ID card from the KFTC management server 920 and transmit the result to the external ATM device 910 . The electronic device 101 receives a preview image captured by a camera module provided in the external ATM device 910 from the external ATM device 910 or a user device installed with an application capable of communicating with the electronic device 101 ( Example: A preview image captured by the electronic device 102 of FIG. 2 may be received from the user device 102 .

The electronic device 101 recognizes a user's face in the received preview image using an artificial intelligence model for face recognition, and detects liveness to determine whether the user's face is a fake image ( liveness detection). When the electronic device 101 determines that the user's face is not a fake image as a result of performing liveness detection, the electronic device 101 captures a specific image from the preview image and uses an artificial intelligence model for calculating the matching rate between the faces. It is possible to calculate a matching rate between a user's face in a captured specific image and a reference face in a user's photo. The electronic device 101 may generate a QR code related to account opening for the user and transmit the QR code to the user device 102 when the calculated matching rate corresponds to a predetermined first threshold or higher.

The electronic device 101 receives a newly captured preview image from the external ATM device 910 or the user device 102 when the calculated matching rate is less than the first predetermined threshold and greater than or equal to the second predetermined threshold, and , the matching rate with the reference face in the ID card may be newly calculated using the newly captured preview image. After comparing the newly calculated matching rate with predetermined thresholds, the electronic device 101 may perform an operation corresponding to a section to which the newly calculated matching rate belongs. The electronic device 101 may perform additional verification on the user when the calculated matching rate is less than a predetermined second threshold.

The electronic device 101 may use the methods described in operation S480 of FIG. 4 to perform additional verification.

According to various embodiments, an automated teller machine (ATM) device supporting payment, deposit and withdrawal, currency exchange, and overseas remittance functions includes a display, a communication interface, a camera module, an ID scanner, and a processor, the processor comprising: In response to receiving an account opening request from the user, by scanning the user's ID card using the ID scanner, it is determined whether the ID card is forged/altered, and the ID card is not forged/altered. In order to inquire whether the ID card is valid, the ID identification information and the user photo extracted from the ID card are transmitted to an external server using the communication interface, and when a response indicating that the ID card is valid is received from the external server, the A preview image captured using a camera module is displayed on the display, a user's face is recognized in the preview image using an artificial intelligence model for face recognition, and the user's face is Liveness detection is performed to determine whether the image is a fake image, and as a result of the liveness detection, when it is determined that the user's face is not a fake image, a specific image is selected from the preview image. capture, calculate a matching rate between the user's face in the captured specific image and a reference face in the user picture using an artificial intelligence model for calculating a matching rate between faces, and the matching rate is determined in advance. When the value is equal to or higher than the first threshold, a QR code associated with opening an account for the user may be generated, and the QR code may be set to be transmitted to the user device of the user through the communication interface.

According to various embodiments, the processor determines the type of ID card, and transmits the ID identification information and the user photo to the external server corresponding to the type of ID card among a plurality of pre-registered external servers. can be set to

According to various embodiments, the processor, when receiving a response indicating that the identification card is valid from the external server, displays the partial image of the preview image through the predetermined guide area, and the predetermined guide When the remaining area of the display other than the area is deactivated, and the user's face is not recognized from the partial image displayed in the predetermined guide area for a predetermined time from the point of inactivation of the remaining area, the state of the remaining area may be set to switch from an inactive state to an active state, and to recognize the user's face from the preview image displayed on the entire area of the display.

According to various embodiments, the processor may be set to stop displaying the preview image and display the captured specific image on the display while calculating the matching rate between the user face and the reference face. can

According to various embodiments, when the matching rate is less than the first predetermined threshold and equal to or greater than a second predetermined threshold, the processor stops displaying the captured specific image and uses the camera module. Thus, a newly captured preview image may be displayed on the display, and a coincidence rate with the reference face may be newly calculated using the newly captured preview image.

According to various embodiments, the processor registers a request for the call center to authenticate the identity information of the user when the matching rate is less than the second predetermined threshold, and , When receiving an identity authentication success response of the user from the call center, it is checked whether the user is included in a list of dangerous persons registered in a specific server, and if the user is not included in the list of dangerous persons, It may be set to generate the QR code and transmit the QR code to the user device of the user.

In addition, various embodiments described above may be implemented through interworking between a terminal running a website and/or a mobile app and/or a server running the website and/or mobile app. For example, contents described with reference to FIGS. 4A to 6 (eg, ID scan, liveness detection, match rate calculation, etc.) may be implemented by the terminal and/or the server. For example, contents described with reference to FIGS. 7A to 8 may be implemented by the terminal and/or the server.

Meanwhile, a description of the electronic device 101 according to an embodiment of the present invention will be described with reference to FIGS. 1 to 3 .

Also, the electronic device 101 according to an embodiment of the present invention may be referred to as an unmanned currency exchange transfer machine, an unmanned currency exchange device, and the like.

The program 140 may include, for example, a kernel 141, middleware 143, an application programming interface (API) 145, and/or an application program (or “application”) 147, and the like. . At least part of the kernel 141, middleware 143, or API 145 may be referred to as an operating system. Kernel 141, for example, includes system resources (eg, middleware 143, API 145, or application program 147) used to execute operations or functions implemented in other programs (eg, middleware 143, API 145, or application program 147). : The bus 110, the processor 120, or the memory 130, etc.) can be controlled or managed. In addition, the kernel 141 may provide an interface capable of controlling or managing system resources by accessing individual components of the electronic device 101 from the middleware 143, API 145, or application program 147. can

The middleware 143 may perform an intermediary role so that, for example, the API 145 or the application program 147 communicates with the kernel 141 to exchange data. Also, the middleware 143 may process one or more task requests received from the application program 147 according to priority. For example, the middleware 143 may use system resources (eg, the bus 110, the processor 120, or the memory 130, etc.) of the electronic device 101 for at least one of the application programs 147. Prioritize and process the one or more work requests. The API 145 is an interface for the application 147 to control functions provided by the kernel 141 or the middleware 143, for example, at least for file control, window control, image processing, or text control. It can contain one interface or function (eg command). The input/output interface 150 transmits, for example, a command or data input from a user or other external device to other component(s) of the electronic device 101, or other components of the electronic device 101 ( s) may output commands or data received from the user or other external devices.

The display 160 may be, for example, a liquid crystal display (LCD), a light emitting diode (LED) display, an organic light emitting diode (OLED) display, a microelectromechanical system (MEMS) display, or an electronic paper display. can include The display 160 may display various types of content (eg, text, image, video, icon, and/or symbol) to the user. The display 160 may include a touch screen, and may receive, for example, a touch, gesture, proximity, or hovering input using an electronic pen or a part of the user's body. The communication interface 170 establishes communication between the electronic device 101 and an external device (eg, the first external electronic device 102 , the second external electronic device 104 , or the server 106 ). can For example, the communication interface 170 may be connected to the network 162 through wireless or wired communication to communicate with an external device (eg, the second external electronic device 104 or the server 106).

Wireless communication is, for example, LTE, LTE-A (LTE Advance), CDMA (code division multiple access), WCDMA (wideband CDMA), UMTS (universal mobile telecommunications system), WiBro (Wireless Broadband), or GSM (Global System for Mobile Communications) may include cellular communication using at least one of the like. According to one embodiment, wireless communication, for example, WiFi (wireless fidelity), Bluetooth, Bluetooth Low Energy (BLE), Zigbee, near field communication (NFC), magnetic secure transmission (Magnetic Secure Transmission), radio It may include at least one of a frequency (RF) and a body area network (BAN). According to one embodiment, wireless communication may include GNSS. The GNSS may be, for example, a Global Positioning System (GPS), a Global Navigation Satellite System (Glonass), a Beidou Navigation Satellite System (hereinafter “Beidou”) or Galileo, the European global satellite-based navigation system. Hereinafter, in this document, "GPS" may be used interchangeably with "GNSS". Wired communication may include, for example, at least one of universal serial bus (USB), high definition multimedia interface (HDMI), recommended standard 232 (RS-232), power line communication, or plain old telephone service (POTS). there is. Network 162 may include at least one of a telecommunication network, for example, a computer network (eg, LAN or WAN), the Internet, or a telephone network.

Each of the first and second external electronic devices 102 and 104 may be the same as or different from the electronic device 101 . According to various embodiments, all or part of operations executed in the electronic device 101 may be executed in one or more electronic devices (eg, the electronic devices 102 and 104, or the server 106). According to this, when the electronic device 101 needs to perform a certain function or service automatically or upon request, the electronic device 101 instead of or in addition to executing the function or service by itself, at least some functions related thereto may request another device (eg, the electronic device 102 or 104 or the server 106). The additional function may be executed and the result may be transmitted to the electronic device 101. The electronic device 101 may provide the requested function or service by processing the received result as it is or additionally. For example, cloud computing, distributed computing, or client-server computing technologies may be used.

2 is a block diagram of an electronic device 201 according to various embodiments. The electronic device 201 may include, for example, all or part of the electronic device 101 shown in FIG. 1 . The electronic device 201 includes one or more processors (eg, APs) 210, a communication module 220, a subscriber identification module 224, a memory 230, a sensor module 240, an input device 250, a display 260, interface 270, audio module 280, camera module 291, power management module 295, battery 296, indicator 297, and motor 298. Processor The processor 210 may control a plurality of hardware or software components connected to the processor 210 by driving, for example, an operating system or an application program, and may perform various data processing and calculations. ) may be implemented as, for example, a system on chip (SoC) According to one embodiment, the processor 210 may further include a graphic processing unit (GPU) and/or an image signal processor. 210 may include at least some of the components (eg, the cellular module 221) shown in Fig. 2. The processor 210 may include at least one of the other components (eg, non-volatile memory). Received commands or data may be loaded into volatile memory for processing, and resultant data may be stored in non-volatile memory.

It may have the same or similar configuration as the communication module 220 (eg, the communication interface 170). The communication module 220 may include, for example, a cellular module 221, a WiFi module 223, a Bluetooth module 225, a GNSS module 227, an NFC module 228 and an RF module 229. there is. The cellular module 221 may provide, for example, a voice call, a video call, a text service, or an Internet service through a communication network. According to one embodiment, the cellular module 221 may identify and authenticate the electronic device 201 within a communication network using the subscriber identity module (eg, SIM card) 224 . According to one embodiment, the cellular module 221 may perform at least some of the functions that the processor 210 may provide. According to one embodiment, the cellular module 221 may include a communication processor (CP). According to some embodiments, at least some (eg, two or more) of the cellular module 221, the WiFi module 223, the Bluetooth module 225, the GNSS module 227, or the NFC module 228 are one integrated chip (IC) or within an IC package. The RF module 229 may transmit and receive communication signals (eg, RF signals), for example. The RF module 229 may include, for example, a transceiver, a power amp module (PAM), a frequency filter, a low noise amplifier (LNA), or an antenna. According to another embodiment, at least one of the cellular module 221, the WiFi module 223, the Bluetooth module 225, the GNSS module 227, or the NFC module 228 transmits and receives an RF signal through a separate RF module. can The subscriber identification module 224 may include, for example, a card or an embedded SIM including a subscriber identification module, and may include unique identification information (eg, integrated circuit card identifier (ICCID)) or subscriber information (eg, IMSI). (international mobile subscriber identity)).

The memory 230 (eg, the memory 130) may include, for example, an internal memory 232 or an external memory 234. The built-in memory 232 may include, for example, volatile memory (eg, DRAM, SRAM, SDRAM, etc.), non-volatile memory (eg, OTPROM (one time programmable ROM), PROM, EPROM, EEPROM, mask ROM, flash ROM). , a flash memory, a hard drive, or a solid state drive (SSD).The external memory 234 may include a flash drive, for example, a compact flash (CF) or secure digital (SD). ), Micro-SD, Mini-SD, extreme digital (xD), multi-media card (MMC), or memory stick, etc. The external memory 234 is functionally compatible with the electronic device 201 through various interfaces. can be physically or physically connected.

The sensor module 240 may, for example, measure a physical quantity or detect an operating state of the electronic device 201 and convert the measured or sensed information into an electrical signal. The sensor module 240 includes, for example, a gesture sensor 240A, a gyro sensor 240B, an air pressure sensor 240C, a magnetic sensor 240D, an acceleration sensor 240E, a grip sensor 240F, and a proximity sensor ( 240G), color sensor (240H) (e.g. RGB (red, green, blue) sensor), bio sensor (240I), temperature/humidity sensor (240J), light sensor (240K), or UV (ultra violet) ) may include at least one of the sensors 240M. Additionally or alternatively, the sensor module 240 may include, for example, an e-nose sensor, an electromyography (EMG) sensor, an electroencephalogram (EEG) sensor, an electrocardiogram (ECG) sensor, It may include an IR (infrared) sensor, an iris sensor, and/or a fingerprint sensor. The sensor module 240 may further include a control circuit for controlling one or more sensors included therein. In some embodiments, the electronic device 201 further includes a processor configured to control the sensor module 240, either as part of the processor 210 or separately, so that while the processor 210 is in a sleep state, The sensor module 240 may be controlled.

The input device 250 may include, for example, a touch panel 252 , a (digital) pen sensor 254 , a key 256 , or an ultrasonic input device 258 . The touch panel 252 may use at least one of, for example, a capacitive type, a pressure-sensitive type, an infrared type, or an ultrasonic type. Also, the touch panel 252 may further include a control circuit. The touch panel 252 may further include a tactile layer to provide a tactile response to the user. The (digital) pen sensor 254 may be, for example, part of a touch panel or may include a separate recognition sheet. Keys 256 may include, for example, hardware buttons, optical keys, or keypads. The ultrasonic input device 258 may detect ultrasonic waves generated from an input tool through a microphone (eg, the microphone 288) and check data corresponding to the detected ultrasonic waves.

The display 260 (eg, the display 160) may include a panel 262, a hologram device 264, a projector 266, and/or a control circuit for controlling them. Panel 262 may be implemented to be flexible, transparent, or wearable, for example. The panel 262 may include the touch panel 252 and one or more modules. According to one embodiment, the panel 262 may include a pressure sensor (or force sensor) capable of measuring the strength of a user's touch. The pressure sensor may be implemented integrally with the touch panel 252 or may be implemented as one or more sensors separate from the touch panel 252 . The hologram device 264 may display a 3D image in the air using interference of light. The projector 266 may display an image by projecting light onto a screen. The screen may be located inside or outside the electronic device 201 , for example. Interface 270 may include, for example, HDMI 272, USB 274, optical interface 276, or D-sub (D-subminiature) 278. Interface 270 may be included in, for example, communication interface 170 shown in FIG. 1 . Additionally or alternatively, the interface 270 may include, for example, a mobile high-definition link (MHL) interface, an SD card/multi-media card (MMC) interface, or an infrared data association (IrDA) compliant interface. there is.

The audio module 280 may, for example, convert a sound and an electrical signal in both directions. At least some components of the audio module 280 may be included in the input/output interface 145 shown in FIG. 1 , for example. The audio module 280 may process sound information input or output through, for example, the speaker 282, the receiver 284, the earphone 286, or the microphone 288. The camera module 291 is, for example, a device capable of capturing still images and moving images, and according to one embodiment, one or more image sensors (eg, a front sensor or a rear sensor), a lens, and an image signal processor (ISP) , or a flash (eg, LED or xenon lamp, etc.). The power management module 295 may manage power of the electronic device 201 , for example. According to one embodiment, the power management module 295 may include a power management integrated circuit (PMIC), a charger IC, or a battery or fuel gauge. A PMIC may have a wired and/or wireless charging method. The wireless charging method includes, for example, a magnetic resonance method, a magnetic induction method, or an electromagnetic wave method, and may further include an additional circuit for wireless charging, for example, a coil loop, a resonance circuit, or a rectifier. there is. The battery gauge may measure, for example, the remaining capacity of the battery 296, voltage, current, or temperature during charging. Battery 296 may include, for example, a rechargeable battery and/or a solar cell.

The indicator 297 may indicate a specific state of the electronic device 201 or a part thereof (eg, the processor 210), for example, a booting state, a message state, or a charging state. The motor 298 may convert electrical signals into mechanical vibrations and generate vibrations or haptic effects. The electronic device 201 is, for example, a mobile TV support device capable of processing media data according to standards such as digital multimedia broadcasting (DMB), digital video broadcasting (DVB), or mediaFlo ^TM (e.g., : GPU) may be included. Each of the components described in this document may be composed of one or more components, and the name of the corresponding component may vary depending on the type of electronic device. In various embodiments, an electronic device (eg, the electronic device 201) is configured as a single entity by omitting some components, further including additional components, or combining some of the components. The functions of the previous corresponding components may be performed identically.

In various embodiments of the present disclosure, the electronic device 201 (or the electronic device 101) may include a housing including a front surface, a rear surface, and a side surface surrounding a space between the front surface and the rear surface. A touch screen display (eg, the display 260) is disposed within the housing and may be exposed through the front surface. A microphone 288 is disposed within the housing and may be exposed through a portion of the housing. At least one speaker 282 is disposed within the housing and may be exposed through another part of the housing. A hardware button (eg, key 256) may be located on another part of the housing or configured to display on the touchscreen display. A wireless communication circuit (eg, the communication module 220) may be located in the housing. The processor 210 (or processor 120) is located in the housing and may be electrically connected to the touch screen display, the microphone 288, the speaker 282, and the wireless communication circuit. The memory 230 (or the memory 130 ) may be located in the housing and electrically connected to the processor 210 .

In various embodiments of the present invention, the memory 230 is set to store a first application program including a first user interface for receiving text input, and the memory 230, when executed, the The processor 210 stores instructions that cause a first operation and a second operation to be performed, and the first operation is performed through the button while the first user interface is not displayed on the touch screen display. Receive a first type of user input, and after receiving the first type of user input, receive a first user utterance through the microphone 288, automatic speech recognition (ASR) and intelligence Provides first data for the first user utterance to an external server including an intelligence system, and after providing the first data, the intelligent system responds to the first user utterance from the external server Receives at least one command for performing a task generated by, and the second operation receives the first user input through the button while the first user interface is displayed on the touch screen display, , After receiving the first type of user input, receiving a second user speech through the microphone 288, providing second data for the second user speech to the external server, and After providing data, data for text generated by the automatic speech recognition from the second user utterance is received from the server, but no command generated by the intelligent system is received, and the first user You can input the text into the interface.

In various embodiments of the present invention, the button may include a physical key located on the side of the housing.

In various embodiments of the present invention, the first type of user input is after pressing the button once, pressing the button twice, pressing the button three times, or pressing the button once. It can be either a held press, or a two-time press and hold press on the button.

In various embodiments of the present disclosure, the instructions may further cause the processor to display the first user interface along with a virtual keyboard. The button may not be part of the virtual keyboard.

In various embodiments of the invention, the instructions further cause the processor 210 to receive, from the external server, data for text generated by ASR from the first user utterance within the first action. can cause

In various embodiments of the present disclosure, the first application program may include at least one of a note application program, an e-mail application program, a web browser application program, or a calendar application program.

In various embodiments of the present invention, the first application program includes a message application, and the instructions cause the processor 210 to, if a selected period of time after inputting the text, exceed the wireless communication circuitry. It can be further caused to transmit automatically input text through.

In various embodiments of the present invention, the instructions further cause the processor 210 to perform a third operation, wherein the third operation is while displaying the first user interface on the touchscreen display. , Receiving a second type of user input through the button, receiving a third user utterance through the microphone after receiving the second type of user input, and responding to the third user utterance to the external server. After providing the third data, at least one command for performing a task generated by the intelligent system in response to the third user's utterance may be received from the external server. there is.

In various embodiments of the present invention, the instructions further cause the processor 210 to perform a fourth operation, wherein the fourth operation occurs when the first user interface is not displayed on the touch screen display. On the way, the second type of user input is received through the button, and after receiving the second type of user input, a fourth user utterance is received through the microphone 288, and the fourth user utterance is received. Provides fourth data for the external server to the external server, and after providing the fourth data, in response to the fourth user utterance, at least one command for performing a task generated by the intelligent system is provided. After receiving from an external server, receiving a fifth user utterance through the microphone, providing fifth data for the fifth user utterance to the external server, and providing the fifth data, 5 In response to user speech, at least one command for performing a task generated by the intelligent system may be received from the external server.

In various embodiments of the present invention, the first type of user input and the second type of user input are different, and include pressing the button once, pressing the button twice, and pressing the button three times. , Pressing and maintaining the button after pressing the button once, or pressing and maintaining the button twice and maintaining the button may be selected.

In various embodiments of the present invention, the memory 230 is further configured to store a second application program including a second user interface for receiving text input, and the instructions, when executed, the processor ( 210) further causes a third operation to be performed, wherein the third operation receives the first type of user input through the button while displaying the second user interface, and the first type of user input After the input is received, a third user speech is received through the microphone, third data for the third user speech is provided to the external server, and after the third data is provided, the external server inputting the text to the second user interface while receiving data about text generated by ASR from the third user utterance from the server, but not receiving a command generated by the intelligent system; and is input, and when the selected time period is exceeded, the inputted text may be automatically transmitted through the wireless communication circuit.

In various embodiments of the present invention, the memory 230 is set to store a first application program including a first user interface for receiving text input, and the memory 230, when executed, the The processor 210 stores instructions that cause a first operation and a second operation to be performed, the first operation receives a first type of user input through the button, and the first type of user input After receiving , the first user utterance is received through the microphone 288, and the first user utterance is transmitted to an external server including an automatic speech recognition (ASR) and intelligence system. Provide first data for, and, after providing the first data, receive from the external server at least one command for performing a task generated by the intelligent system in response to the first user utterance. and the second operation receives a second type of user input through the button, and receives a second user utterance through the microphone 288 after receiving the second type of user input; After providing the second data for the second user utterance to the external server and providing the second data, while receiving data on text generated by ASR from the second user utterance from the server, , the command generated by the intelligent system is not received, and the text can be input to the first user interface.

In various embodiments of the present invention, the instructions may further cause the processor 210 to display the first user interface along with a virtual keyboard, and the buttons may not be part of the virtual keyboard.

In various embodiments of the invention, the instructions further cause the processor 210 to receive data for text generated by the ASR from the first user utterance within the first action from the external server. can do.

In various embodiments of the present disclosure, the first application program may include at least one of a note application program, an e-mail application program, a web browser application program, or a calendar application program.

In various embodiments of the present invention, the first application program includes a message application, and the instructions cause the processor 210 to, if a selected period of time after inputting the text, exceed the wireless communication circuitry. It can be further caused to transmit automatically input text through.

In various embodiments of the present invention, the instructions may further cause the processor 210 to perform the first operation independently of display on the display of the first user interface.

In various embodiments of the present disclosure, the instructions may cause the processor 210 to perform the second operation when at least one of the electronic device is locked or the touch screen display is turned off. can cause more

In various embodiments of the present disclosure, the instructions may further cause the processor 210 to perform the second operation while displaying the first user interface on the touch screen display.

In various embodiments of the present invention, the memory 230, when executed, allows the processor 210 to receive user utterances through the microphone 288, perform automatic speech recognition (ASR) or An external server that performs at least one of natural language understanding (NLU), and performs the ASR on the user utterance data together with the user utterance data to obtain the natural language understanding for text obtained. transmits information associated with whether or not to perform the natural language understanding, and if the information indicates not to perform the natural language understanding, receive the text for data on the user's utterance from the external server; If indicated, an instruction causing the external server to receive a command obtained as a result of performing the natural language understanding of the text may be stored.

3 is a block diagram of program modules according to various embodiments. According to one embodiment, the program module 310 (eg, the program 140) is an operating system that controls resources related to an electronic device (eg, the electronic device 101) and/or various applications running on the operating system (eg, the electronic device 101). Example: application program 147). The operating system may include, for example, Android ^TM , iOS ^TM , Windows ^TM , Symbian ^TM , Tizen ^TM , or Bada ^TM . Referring to FIG. 3, the program module 310 includes a kernel 320 (eg kernel 141), middleware 330 (eg middleware 143), (API 360 (eg API 145) ), and/or an application 370 (eg, the application program 147). At least a part of the program module 310 is preloaded on an electronic device, or an external electronic device (eg, an electronic device ( 102, 104), server 106, etc.).

The kernel 320 may include, for example, a system resource manager 321 and/or a device driver 323 . The system resource manager 321 may perform control, allocation, or recovery of system resources. According to one embodiment, the system resource manager 321 may include a process management unit, a memory management unit, or a file system management unit. The device driver 323 may include, for example, a display driver, a camera driver, a Bluetooth driver, a shared memory driver, a USB driver, a keypad driver, a WiFi driver, an audio driver, or an inter-process communication (IPC) driver. . The middleware 330, for example, provides functions commonly required by the application 370 or provides various functions through the API 360 so that the application 370 can use limited system resources inside the electronic device. It can be provided as an application 370 . According to one embodiment, the middleware 330 includes a runtime library 335, an application manager 341, a window manager 342, a multimedia manager 343, a resource manager 344, a power manager 345, a database manager ( 346), a package manager 347, a connectivity manager 348, a notification manager 349, a location manager 350, a graphic manager 351, or a security manager 352.

The runtime library 335 may include, for example, a library module used by a compiler to add new functions through a programming language while the application 370 is being executed. The runtime library 335 may perform input/output management, memory management, or arithmetic function processing. The application manager 341 may manage the life cycle of the application 370 , for example. The window manager 342 may manage GUI resources used in the screen. The multimedia manager 343 may determine a format required for reproducing media files, and encode or decode the media files using a codec suitable for the format. The resource manager 344 may manage a source code of the application 370 or a memory space. The power manager 345 may manage, for example, battery capacity or power, and provide power information necessary for the operation of the electronic device. According to one embodiment, the power manager 345 may interoperate with a basic input/output system (BIOS). The database manager 346 may create, search, or change a database to be used in the application 370 , for example. The package manager 347 may manage installation or update of applications distributed in the form of package files.

The connectivity manager 348 may manage wireless connections, for example. The notification manager 349 may provide a user with an event such as an arrival message, an appointment, or proximity notification. The location manager 350 may manage, for example, location information of an electronic device. The graphic manager 351 may manage, for example, graphic effects to be provided to the user or user interfaces related thereto. Security manager 352 may provide system security or user authentication, for example. According to one embodiment, the middleware 330 may include a telephony manager for managing voice or video call functions of an electronic device or a middleware module capable of forming a combination of functions of the aforementioned components. . According to one embodiment, the middleware 330 may provide modules specialized for each type of operating system. The middleware 330 may dynamically delete some existing components or add new components. The API 360 is, for example, a set of API programming functions, and may be provided in different configurations depending on the operating system. For example, in the case of Android or iOS, one API set can be provided for each platform, and in the case of Tizen, two or more API sets can be provided for each platform.

The application 370 includes, for example, a home 371, a dialer 372, an SMS/MMS 373, an instant message (IM) 374, a browser 375, a camera 376, and an alarm 377. , Contacts (378), Voice Dial (379), Email (380), Calendar (381), Media Player (382), Album (383), Watch (384), Health Care (e.g. exercise or blood sugar measurement) , or environmental information (eg, air pressure, humidity, or temperature information) providing applications. According to one embodiment, the application 370 may include an information exchange application capable of supporting information exchange between an electronic device and an external electronic device. The information exchange application may include, for example, a notification relay application for delivering specific information to an external electronic device or a device management application for managing an external electronic device. For example, a notification delivery application may transfer notification information generated by another application of an electronic device to an external electronic device or may receive notification information from an external electronic device and provide the notification information to a user. The device management application is, for example, a function of an external electronic device communicating with the electronic device (eg, turn-on/turn-off of the external electronic device itself (or some component parts) or display brightness (or resolution)). adjustment), or an application operating in an external electronic device may be installed, deleted, or updated. According to an embodiment, the application 370 may include an application designated according to the properties of an external electronic device (eg, a health management application of a mobile medical device). According to one embodiment, the application 370 may include an application received from an external electronic device. At least a portion of the program module 310 may be implemented (eg, executed) in software, firmware, hardware (eg, the processor 210), or a combination of at least two of them, and a module for performing one or more functions; It can include a program, routine, set of instructions, or process.

Electronic devices according to various embodiments of the present document include, for example, a smart phone, a tablet PC, a mobile phone, a video phone, an e-book reader, a desktop PC, a laptop PC, a netbook computer, a workstation, a server, a PDA, and a PMP. It may include at least one of a portable multimedia player, an MP3 player, a medical device, a camera, or a wearable device. A wearable device may be in the form of an accessory (e.g. watch, ring, bracelet, anklet, necklace, eyeglasses, contact lens, or head-mounted-device (HMD)), integrated into textiles or clothing (e.g. electronic garment); In some embodiments, the electronic device may include, for example, a television, a digital video disk (DVD) player, Audio, refrigerator, air conditioner, vacuum cleaner, oven, microwave, washing machine, air purifier, set top box, home automation control panel, security control panel, media box (e.g. Samsung HomeSyncTM, Apple TVTM, or Google TVTM), game console (eg, XboxTM, PlayStationTM), an electronic dictionary, an electronic key, a camcorder, or an electronic picture frame.

In another embodiment, the electronic device may include various types of medical devices (e.g., various portable medical measuring devices (such as blood glucose meter, heart rate monitor, blood pressure monitor, or body temperature monitor), magnetic resonance angiography (MRA), magnetic resonance imaging (MRI), CT (computed tomography), imager, or ultrasonicator, etc.), navigation device, global navigation satellite system (GNSS), EDR (event data recorder), FDR (flight data recorder), automobile infotainment device, marine electronic equipment (e.g. navigation devices for ships, gyrocompasses, etc.), avionics, security devices, head units for vehicles, industrial or home robots, drones, ATMs in financial institutions, point of sale (POS) in stores of sales), or IoT devices (eg, light bulbs, various sensors, sprinkler devices, fire alarms, thermostats, street lights, toasters, exercise equipment, hot water tanks, heaters, boilers, etc.). According to some embodiments, the electronic device may be a piece of furniture, a building/structure or a vehicle, an electronic board, an electronic signature receiving device, a projector, or various measuring devices (eg, water, electricity, gas, radio wave measuring device, etc.). In various embodiments, the electronic device may be flexible or a combination of two or more of the various devices described above. An electronic device according to an embodiment of the present document is not limited to the aforementioned devices. In this document, the term user may refer to a person using an electronic device or a device using an electronic device (eg, an artificial intelligence electronic device).

The term "module" used in this document includes a unit composed of hardware, software, or firmware, and may be used interchangeably with terms such as logic, logic block, component, or circuit, for example. A “module” may be an integrally constructed component or a minimal unit or part thereof that performs one or more functions. A "module" may be implemented mechanically or electronically, for example, a known or future developed application-specific integrated circuit (ASIC) chip, field-programmable gate arrays (FPGAs), or A programmable logic device may be included. At least some of the devices (eg, modules or functions thereof) or methods (eg, operations) according to various embodiments are instructions stored in a computer-readable storage medium (eg, the memory 130) in the form of program modules. can be implemented as When the command is executed by a processor (eg, the processor 120), the processor may perform a function corresponding to the command. Computer-readable recording media include hard disks, floppy disks, magnetic media (e.g. magnetic tape), optical recording media (e.g. CD-ROM, DVD, magneto-optical media (e.g. floptical disks), built-in memory, etc.) A command may include code generated by a compiler or code executable by an interpreter A module or program module according to various embodiments may include at least one or more of the above-described components or , some may be omitted, or may further include other elements.According to various embodiments, operations performed by modules, program modules, or other elements may be executed sequentially, in parallel, iteratively, or heuristically, or at least Some actions may be performed in a different order, omitted, or other actions may be added.

And the embodiments disclosed in this document are presented for explanation and understanding of the disclosed technical content, and do not limit the scope of the present disclosure. Therefore, the scope of the present disclosure should be construed to include all changes or various other embodiments based on the technical spirit of the present disclosure.

Claims (1)

In an automated teller machine (ATM) device that supports payment, deposit and withdrawal, exchange and overseas remittance functions,
display; communication interface; camera module; ID scanner; and a processor; including,
The processor:
In response to receiving an account opening request from the user, by scanning the ID of the user using the ID scanner, determining whether the ID is forged/altered;
If it is determined that the ID card is not forged/altered, sending ID identification information and a user photo extracted from the ID card to an external server using the communication interface to inquire whether the ID card is valid;
When receiving a response indicating that the identification card is valid from the external server, a preview image captured using the camera module is displayed on the display, and an artificial intelligence model for face recognition Recognizing a user's face in the preview image using
Control to perform liveness detection to determine whether the user's face is a fake image;
The processor:
When it is determined that the user's face is not a fake image as a result of performing the liveness detection, a specific image is captured from the preview image, and an artificial intelligence model for calculating a matching rate between faces is used to detect the face of the user. Control to calculate a matching rate between the user's face in the captured specific image and the reference face in the user's picture;
When the matching rate is equal to or greater than a predetermined first threshold, generating a QR code associated with opening an account for the user, and transmitting the QR code to the user device of the user through the communication interface;
When the matching rate is less than the first predetermined threshold and equal to or greater than the second predetermined threshold, the display of the captured specific image is stopped, and a preview image newly captured using the camera module is displayed on the display. and controls to newly calculate a coincidence rate with the reference face using the newly photographed preview image.

Images