KR100427224B1 - System and Method for release a credit card - Google Patents

Abstract

A communication terminal device in which an account / card lock and release agent program is installed; A financial server having a member information database including an account / card number and an account / card password associated therewith; a connection to the internet with the financial server; and a telephone number of the communication terminal device and an account / card lock and unlock password. It consists of an authentication server having a registration information database, the authentication server receives the account / card lock and unlock password and account / card number transmitted from the communication terminal device through the account / card lock and unlock agent program and receives the If the registered phone number is checked by the phone number, the received account / card number is transmitted to the financial server, and the financial server locks or unlocks the account / card related to the account / card number based on the transmitted account / card number. An account / card lock and unlock management system is disclosed.

Description

System and Method for release a credit card}

The present invention relates to a system and method for releasing a locked state of a card or bank account, and more particularly, to a wireless terminal possessed by an individual while maintaining an existing process of maintaining security using passwords of various credit cards or bank accounts. A system and method for unlocking a card or bank account that can be doubled by controlling the bank account or the credit card itself by using the device's phone number as one key and the card lock and unlock password as another key. will be.

In general, access to bank accounts is based on account numbers and passwords. If a password is leaked, cash is withdrawn by another person. Likewise, in the case of a credit card, payment is granted based on the card number and the card password.

Moreover, even if the card password is not leaked, if the card is lost, it can be used in stores that do not require the card password.

As an alternative to solve this problem, Korean Patent Laid-Open No. 2002-13944 discloses a credit card security system and method for preventing illegal use by others by setting or releasing the security status of a credit card using a personal communication terminal. have.

However, in such a security system and method, it is possible to set or release the security state not only through its own personal communication terminal but also through the personal communication terminal of another person, so that there is always a risk of hacking a bill to another person.

Moreover, this risk is greater because it is possible to set or release the security state via the Internet using a computer system.

In addition, since the ARS system must be used, it is necessary to construct a separate system.

Accordingly, the present invention proposes a solution to the conventional problems, and maintains the existing process of maintaining security using a password, such as a bank account or credit card, while keeping the existing phone number of the wireless terminal device possessed by the individual. Provides a system and method for unlocking a card or bank account that can be double-secured by controlling the use of a bank account or credit card as one key and the account / card lock and unlock password as another key. For the purpose of

Another object of the present invention is to provide a certificate issuing lock and release method using this feature.

Another object of the present invention is to provide a method for unlocking a certificate issuing lock state using such a feature.

1 is a network diagram showing an account lock and unlock management system according to an embodiment of the present invention.

2 is a functional block diagram showing the configuration of the account lock and unlock agent program applied to the present invention.

3 is a flowchart illustrating a method for managing account lockout and unlocking according to an embodiment of the present invention.

According to an aspect of the present invention, the card lock state release system for releasing the lock state to enable the use of the card with respect to the card is set to the lock state so that the use of the card, the card lock state release system, And a communication terminal device in which a release agent program is installed; A financial server having a member information database including a card number of a plurality of registered cards and a card lock and unlock password corresponding to each card number; and a telephone number of the communication terminal device connected to the financial server. And an authentication server including a registration information database including the card locking and unlocking password, wherein the authentication server includes a card lock and unlock password and a card number transmitted from the communication terminal device through the card lock and unlock agent program. Received, and confirms the phone number of the communication terminal device and the received card identification number and card lock and unlock password, if the card lock and unlock password corresponding to the previously registered phone number and the received card number Transfer the card number to the financial server, the financial server, Group the card lock release system, characterized in that for releasing the locked state of the card corresponding to the card number is disclosed, based on the transmitted card number.

According to another aspect of the invention, the communication terminal device is installed card lock and release agent program; A financial server having a member information database including card numbers of a plurality of registered cards and card lock and unlock passwords corresponding to the respective card numbers; The locked state is connected to the financial server, the card is locked by the card lock and unlock system including a certificate server having a registration information database including a phone number of the communication terminal device and the card lock and unlock password A card lock state releasing method for releasing the lock state to enable the use of a card with respect to a set card, comprising: starting a card lock and release agent program installed in the communication terminal device to select a target card to release the lock state; Inputting a card lock and unlock password of the selected card; Transmitting the card lock and unlock password and a card number corresponding to the selected card to the authentication server; Checking the telephone number of the transmitted communication terminal device in the authentication server to determine whether the telephone number is a registered telephone number; Determining that the transmitted card lock and unlock password is a card lock and unlock password registered for the card when the phone number is a registered phone number; If the transmitted card lock and unlock password is a card lock and unlock password registered for the card, transmitting the transmitted card number to a financial server; The financial server discloses a card lock state releasing method comprising the step of releasing a lock state of a card corresponding to the transmitted card number.

According to another aspect of the invention, the communication terminal device is installed card lock and release agent program; A plurality of financial servers having a member information database including card numbers of a plurality of registered cards and card lock and unlock passwords corresponding to the respective card numbers; The locked state is connected to the financial server, the card is locked by the card lock and unlock system including a certificate server having a registration information database including a phone number of the communication terminal device and the card lock and unlock password A card lock state releasing method for releasing the lock state to enable use of a card with respect to a set card, the method comprising: starting a card lock and release agent program installed in the communication terminal device; Selecting a financial server that has issued a card to release the card lock state and a lock state release target card; Inputting a card lock and unlock password for the selected card; Transmitting the selected card lock and unlock password, a card number corresponding to the selected card, and a type of a financial server to the authentication server; Checking the telephone number of the transmitted communication terminal device in the authentication server to determine whether the telephone number is a registered telephone number; Determining that the transmitted card lock and unlock password is a previously registered card lock and unlock password for the card when the phone number is a registered phone number; If the transmitted card lock and unlock password is a card lock and unlock password registered for the card, transmitting the transmitted card number to a corresponding financial server; The financial server discloses a method for releasing a locked state of a card, the method comprising releasing a locked state of a card corresponding to the transmitted card number. According to another aspect of the present invention, a certificate issuance lock is provided. And a communication terminal device in which a release agent program is installed; A plurality of administrative institution servers having a member information database including an individual resident registration number and a certificate issuance lock and unlock password corresponding to the individual resident registration number; The certificate issuance lock and release system is connected to the administrative agency server and includes a certificate server having a registration information database including a phone number and certificate issue lock and release password of the communication terminal device. A certificate issuing lock state releasing method for releasing the lock state to enable the issuance of a certificate for a social security number having a locked state, starting a certificate issuing lock and release agent program installed in the communication terminal device to obtain a certificate issuing lock and release password. Inputting; Transmitting the selected selected certificate issuance lock and unlock password to an authentication server; Checking the telephone number of the transmitted communication terminal device in the authentication server to determine whether the telephone number is a registered telephone number; Determining that the transmitted certificate issuance lock and unlock password is a registered certificate issuance lock and unlock password if the phone number is a registered phone number; If the transmitted certificate issuance lock and release password is a registered certificate issuance lock and release password, transmitting a social security number corresponding to the communication terminal device to a corresponding administrative agency server; The administrative agency server discloses a certificate issuing lock state releasing method comprising the step of releasing the lock state of the certificate issuance for the transmitted social security number.

Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings. The system and method of the present invention can be used for both bank accounts and credit cards, etc. For convenience of explanation, explanations will be made based on bank accounts, which is the same for credit cards, and also locks or unlocks the bank account in this embodiment. Although a system and method are described at the same time, for example, a credit card that can be used, that is, unlocked, is placed in an unusable lock state, or, conversely, a credit card that cannot be used because it is locked. Or it may be used as a system or method that only locks or releases, such as unlocking the bank account to enable use.

As described throughout the present invention, lock means to prohibit the use of a bank account or credit card, and release, on the contrary, releases the lock state to enable normal use of the bank account or credit card. It means to be able to. Therefore, payment of transfers, deposits, withdrawals, etc. is prohibited in a locked bank account, and approval of payment for all transactions using a credit card is prohibited in a locked credit card.

1 is a network diagram showing an account lock and unlock management system according to an embodiment of the present invention.

The wireless terminal device 100 possessed by the user includes a PDA having a PCS, a cellular phone, and a communication module.

The wireless terminal device 100 is provided with an account lock and unlock agent program 110. To this end, the user accesses a website provided by the authentication server 400 through the Internet 200 and registers as a member to receive another service in the present invention.

When registering as a member, a name, a bank account number to which the service is applied, a password for locking and unlocking the account, and a phone number of the wireless terminal device are provided as registration information, and the registration information is stored in the registration information database 450. do. Bank accounts can be set up in plural, and a separate lock and unlock password can be set for each bank account.

At the same time, the authentication server 400 transmits the account number to the bank server 300 of the bank, and the bank server 300 checks the account number stored in the member information database 350 and classifies it as a service target account.

On the other hand, in the case of subscribing through a website operated by the bank server 300, the bank server 300 checks only the corresponding account, and transmits the input information to the authentication server 400. In addition, it is possible to apply for a subscription in writing through the bank window, and in any case, the inputted information is transmitted to the authentication server 400.

In addition, the authentication server 400 calls the phone number of the registered wireless terminal device 100 of the registered member through the SMS (Short Message Service) to the wireless terminal device 100 through the account lock and unlock agent program 110 The wireless terminal device 100 transmits and installs the transmitted account lock and release agent program 110. The account lock and unlock agent program 110 may be produced by a wireless markup language (WML) or the like.

At this time, preferably, the bank account number entered by the user in the authentication server 400 is transmitted to the wireless terminal device 100, and the user may manually input the account lock and unlock agent program 110 after installation. .

2, there is shown a functional block diagram showing the configuration of the account lock and unlock agent program applied to the present invention.

The account lock and unlock password input module 113 receives an account lock and unlock password used as a reference for locking or releasing an account associated with an account number.

In addition, the transmission module 114 transmits the account lock and unlock password and the stored account number input by the user to the authentication server 400 under the control of the control module 112.

In addition, it may optionally include an information management module 115, to manage, such as modifying, deleting or adding the bank account number stored in the wireless terminal device (100).

Account lock and unlock management method according to the configuration of such an embodiment will be described in detail with reference to the flowchart of FIG.

First, the account / card lock and unlock agent program 110 installed in the wireless terminal device 100 is activated to select a target account through an input window provided by the account lock and unlock password input module 113 (step S31). . In this case, a plurality of bank accounts may be selected for each of the plurality of banks.

Then, at least one of the events of locking or releasing the account is selected for the selected bank accounts (step S32). Of course, you can select multiple accounts and choose different events for each.

In addition, the account lock and unlock password is input to the selected bank accounts, respectively (step S33). As described above, since separate account lock and unlock passwords can be set for each account, a plurality of accounts are input corresponding to each account. In addition, the information management module 115 may encrypt and store the account lock and unlock password in the wireless terminal device 100, but in order to maintain security, it is preferable that the user directly inputs it.

The selected event content, the input account lock and unlock password, and the account number corresponding to the selected bank account are transmitted to the authentication server 400 (step S34).

The authentication server 400 checks the telephone number of the wireless terminal device 100 that has transmitted the above information (step S35), and determines whether the telephone number confirmed from the registration information database 450 is a registered telephone number ( Step S36).

As a result of the determination, in the case of the registered phone number, it is determined whether the registered account lock and unlock password is checked from the registration information database 450 by checking the transmitted account lock and unlock password (step S37). In this case, the account lock and unlock password may be input only when it is determined that the phone number of the wireless terminal device 100 is a registered phone number without transmitting the account lock and unlock password from the beginning.

In the case of the registered account lock and unlock password, the authentication server 400 transmits the event contents and the target account number to the bank server 300 (step S38).

The bank server 300 locks or releases the bank account corresponding to the account number so that the bank account corresponding to the account number cannot be used according to the event content by using the transmitted event content and account number (step S39). Thus, the user may or may not use the target account.

According to the present invention, the telephone number of the personal radio terminal device serves as one key, and the account lock and unlock password serves as another key, thereby providing an advantage of maintaining security twice.

In particular, since only the telephone number of the wireless terminal device registered by the user can be connected, the access by others can be prevented at the source.

As a result, in locking or unlocking the bank account itself, the telephone number of the wireless terminal device possessed by the user constitutes a hardware security measure, and the account lock and unlock password set by the user constitutes the software security measure. The security measures are composed.

This is fundamentally different from configuring a security measure by simply a password as in the prior art.

As described above, although the bank account is described as an example in this embodiment, it can be applied to a credit card as a matter of course. In the case of a credit card, the bank server is replaced with a card company server, and the payment approval by the use of the credit card can be blocked at the source, thereby preventing the illegal use of others in case of loss or theft.

In addition, this feature of the present invention can be applied to the use to prevent the issuance of the certificate of the original. For example, it can eliminate the risk of forgery and theft of various certificates that can directly affect personal property, such as a seal certificate, and can increase safety and convenience even when issued through an agent.

In this case, locking and releasing is performed in the administrative agency server, and the issue of a certificate can be locked or released for the corresponding social security number. In addition, if necessary, it is possible to divide the certificate by certificate so that the issue can be locked or released.

In addition, the means for accessing the authentication server should not be limited to the wireless terminal device, as well as a wired telephone is possible as long as can be distinguished independently.

Although the above has been described with reference to the preferred embodiment of the present invention, various changes and modifications can be made at the level of those skilled in the art. It is natural that such changes or modifications fall within the scope of the present invention without departing from the spirit of the present invention. Therefore, the scope of the present invention should not be limited to the above-described embodiment, but should be determined by the claims described below.

As described above, according to the present invention, whether to allow the use of an object such as a bank account or a credit card itself is determined by using a telephone number of an individual communication terminal device and an account lock and unlock password of a personal setting. There is an advantage that can be maintained.

In addition, the user can simply set the account lock and unlock password from the communication terminal device to be transmitted and set to use or disable the user's bank account, thereby preventing unauthorized withdrawal by others. Therefore, even if a bank account is lost or a bank account password is leaked, cash withdrawal by another person can be blocked in advance.

In addition, in the case of a credit card, payment authorization by using a credit card can be blocked at source, and in case of loss or theft, there is an advantage of preventing illegal use of others.

Claims (4)

A card lock state releasing system for releasing the lock state to enable the use of a card with respect to a card in which the lock state is set to be disabled. The card lock state release system includes: a communication terminal device having a card lock and release agent program installed therein; A financial server having a member information database including card numbers of a plurality of registered cards and card lock and unlock passwords corresponding to the respective card numbers; It is connected to the financial server, and includes a certificate server having a registration information database including a phone number of the communication terminal device and the card lock and unlock password, The authentication server receives a card lock and unlock password and a card number transmitted from the communication terminal device through the card lock and release agent program, and locks and unlocks the phone number and the received card number and card of the communication terminal device. Checking the password, if the card lock and unlock password corresponding to the registered phone number and the received card number, and transmits the received card number to the financial server, And the financial server releases the locked state of the card corresponding to the card number based on the transmitted card number. A communication terminal device on which a card lock and release agent program is installed; A financial server having a member information database including card numbers of a plurality of registered cards and card lock and unlock passwords corresponding to the respective card numbers; The locked state is connected to the financial server, the card is locked by the card lock and unlock system including a certificate server having a registration information database including a phone number of the communication terminal device and the card lock and unlock password A card lock state releasing method for releasing the lock state to enable the use of a card with respect to a set card. Starting a card lock and release agent program installed in the communication terminal device to select a target card to be unlocked; Inputting a card lock and unlock password of the selected card; Transmitting the card lock and unlock password and a card number corresponding to the selected card to the authentication server; Checking the telephone number of the transmitted communication terminal device in the authentication server to determine whether the telephone number is a registered telephone number; Determining that the transmitted card lock and unlock password is a card lock and unlock password registered for the card when the phone number is a registered phone number; If the transmitted card lock and unlock password is a card lock and unlock password registered for the card, transmitting the transmitted card number to a financial server; And the financial server releasing a lock state of a card corresponding to the transmitted card number. A communication terminal device on which a card lock and release agent program is installed; A plurality of financial servers having a member information database including card numbers of a plurality of registered cards and card lock and unlock passwords corresponding to the respective card numbers; The locked state is connected to the financial server, the card is locked by the card lock and unlock system including a certificate server having a registration information database including a phone number of the communication terminal device and the card lock and unlock password A card lock state releasing method for releasing the lock state to enable the use of a card with respect to a set card. Starting a card lock and release agent program installed in the communication terminal device; Selecting a financial server that has issued a card to release the card lock state and a lock state release target card; Inputting a card lock and unlock password for the selected card; Transmitting the selected card lock and unlock password, a card number corresponding to the selected card, and a type of a financial server to the authentication server; Checking the telephone number of the transmitted communication terminal device in the authentication server to determine whether the telephone number is a registered telephone number; Determining that the transmitted card lock and unlock password is a previously registered card lock and unlock password for the card when the phone number is a registered phone number; If the transmitted card lock and unlock password is a card lock and unlock password registered for the card, transmitting the transmitted card number to a corresponding financial server; And the financial server releasing a lock state of a card corresponding to the transmitted card number. A communication terminal device having a certificate issue lock and release agent program installed therein; A plurality of administrative institution servers having a member information database including an individual resident registration number and a certificate issuance lock and unlock password corresponding to the individual resident registration number; The certificate issuance lock and release system is connected to the administrative agency server and includes a certificate server having a registration information database including a phone number and certificate issue lock and release password of the communication terminal device. A certificate issuing lock state releasing method for releasing the lock state to enable issuance of a certificate for a social security number having a locked state, Starting a certificate issue lock and release agent program installed in the communication terminal device and inputting a certificate issue lock and release password; Transmitting the selected selected certificate issuance lock and unlock password to an authentication server; Checking the telephone number of the transmitted communication terminal device in the authentication server to determine whether the telephone number is a registered telephone number; Determining that the transmitted certificate issuance lock and unlock password is a registered certificate issuance lock and unlock password if the phone number is a registered phone number; If the transmitted certificate issuance lock and release password is a registered certificate issuance lock and release password, transmitting a social security number corresponding to the communication terminal device to a corresponding administrative agency server; The administrative agency server releases the certificate issuance lock state, characterized in that it comprises the step of releasing the lock lock certificate issue for the transmitted social security number.