INTEGRATED FINANCIAL TRANSACTION PLATFORM APPARATUS PERFORMING A DIFFERENTIAL LOGIN AUTHENTICATION PROCESS BASED ON USER LOGIN SECURITY LEVEL AND OPERATING METHOD THEREOF

摘要

Disclosed are an integrated financial transaction platform apparatus for performing differential login authentication processing based on a user login security level, and an operating method thereof. In the present invention, when a login request is received from a user terminal, the user terminal requests transmission of a user identifier, and when the user identifier is received from the user terminal, an account stored in correspondence with the user identifier from a complex information database A vector similarity with a reference vector is calculated by extracting balance information, number of logins, and total amount information, and a user login security level for the user is calculated based on the vector similarity, and a login corresponding to the user login security level for the user is calculated. After extracting the authentication scheme, log-in authentication processing for the user is performed according to the extracted log-in authentication scheme, thereby enabling a differentiated login for each user.