강화된 금융 보안을 위한 ... - image.ahnlab.com

1 Technical report . (1).. 2.. 1.. 3. 2.. 3.. 3. , .. 4.. 5. 3.. 3. (Enrollment).. 3. (Matching, Verification) .. 3.. 3. 4.. 3.. 5.. 5.. 5. Copyright 2003 by ahnlab , Inc. All rights reserved. 3. 1.. 30 1968 .. , . , .. , .. , , ATM .. , . ATM .. , . , . , .. , . , , .. 2.. , .. , . , (Catastrophic)' .. , .. ATM (False Acceptance) 30% . , 20 . Master Card . , . , . , .. PIN .. Copyright 2003 by ahnlab , Inc. All rights reserved. 4. 1) . 1) .. ID . ID . PIN .. ATM + PIN .. 1) . , .. 1 .. (Biometric) , , . (Identity) . (Identification) (Verification) .. (Measurable) . , .. (Robustness) .. , . Copyright 2003 by ahnlab , Inc. All rights reserved. 5. (Aging) .. , .. (Distinctiveness) .. (Identification) (Verification) . X. ? (Who is X? ) .. 1 N .. , .. (Verification) X ? (Is this X? ) .. ID, .. 1 1 . / . 1:1 ( ) 1:N ( ).

2 ( 1) , . , .. (Partition) .. , .. Copyright 2003 by ahnlab , Inc. All rights reserved. 6. , .. , .. IDC(2000) , . 2004 PKI 2 .. 167%, 66%, . 187%, 115% 165% .. DNA , .. 2) . ( , ).. 2) . ( , ) ( , ).. , .. , .. (Fingerprint).. , . , (Ridge) . , .. AFIS , . , . Copyright 2003 by ahnlab , Inc. All rights reserved. 7. (Face).. , , .. (Voice).. , . (Speaker) .. , . (Iris).. , . , . 1998 .. ( , ), .. , .. , .. , , .. Copyright 2003 by ahnlab , Inc. All rights reserved. 8. (1) .. / ( ).. ( ).. / .. / . / .. (2) .. (3) .. Copyright 2003 by ahnlab , Inc. All rights reserved. 9.. / . Copyright 2003 by ahnlab , Inc. All rights reserved. 10. 3.. , (Enrollment) . (Verification) .. (Template) .. , , , , , .. 3) .. z . z . Applications z . / . z . Log z . 3) . (Enrollment).. , . ( , ) .. , , , .. ( ) . PIN . ( 1) .. Copyright 2003 by ahnlab , Inc.

3 All rights reserved. 11. , .. ( 2) , .. , . (Matching, Verification). , , .. , . , .. ( 3) .. , . , . ( 4) (Score or Similarity) , . (Loose Similarity) .. (Yes/No) , .. , . , .. (False Enrollment Error), (False Reject Rate) (False Acceptance rate) .. , . Copyright 2003 by ahnlab , Inc. All rights reserved. 12.. , , , .. , .. 84-1,300 250-1,200 512 10K-20K. ( ).. * 1:500 1:100,000 1:50.. O O O O.. O O O O.. O O O. / . (* ..). Copyright 2003 by ahnlab , Inc. All rights reserved. 13. 4.. 3 (eBay) , . (PIN ). , .. eBay . 3 .. , , .. , .. (transaction) , . , . , . PIN .. , . , , ATM .. (1) . , .. Copyright 2003 by ahnlab , Inc. All rights reserved. 14.. Chase Manhattan BarClay / .. BarClay Boston Private Chase Manhattan Barclay (2) . , . , . , .. , Chase Manhattan Nations Bank .. ING.. Telephone Glenview Banking First Union BarClay (3).

4 , . , . , , .. Copyright 2003 by ahnlab , Inc. All rights reserved. 15.. , 13% . , , . , 1 .. , .. 27 27 .. Kiosk Union Planters Anchor Bank First Union . , . (4) ATM . ATM .. ATM , .. 5 ATM. , , .. ATM ATM .. Purdue Credit Union Diebold ATM Kiosk NCR, OKI. ATM .. Copyright 2003 by ahnlab , Inc. All rights reserved. 16.. , , . , .. , .. (1) (Citi Bank). 2 , .. , ATM .. 500 .. , ATM, , .. (2) (Chase Manhattan Bank). , , .. , , . , .. ATM . , . Copyright 2003 by ahnlab , Inc. All rights reserved. 17. (3) .. 23,000 , 4 . PIN .. , , 80% .. (4) .. , . , , .. , / . (Woori Bank) . , ATM .. , .. , , 5 .. , .. , . , , .. z . z . z . z . z . Copyright 2003 by ahnlab , Inc. All rights reserved. 18. (1) . 1~3% .. , .. , .. (2) .. SSN(Social Security Number) .. 5 .. , . (3) .. , . , .. (4) .. , .. , .. , . , , .. Copyright 2003 by ahnlab , Inc.

5 All rights reserved. 19.. (5) . 100 .. API(Application Program Interface) . API .. AP I BioAPI, . HA-API .. Copyright 2003 by ahnlab , Inc. All rights reserved.