KR102001157B1 - method for precaution financial fraud - Google Patents

Abstract

The present invention relates to a method for preventing a bank fraud, by which a warning is issued when the period spent in calling with a suspicious telephone number exceeds a reference time. To this end, the present method comprises: a step (a) that calling time is checked; and a step (b) that a warning is issued to a user terminal.

Description

Method for precaution financial fraud}

The present invention relates to a method for preventing financial fraud, and more particularly, to a method for preventing financial fraud based on a talk time between a user's mobile terminal and a fraud suspected telephone number counterpart.

According to the Korea Communications Commission, 116 large and small personal information leaks occurred from 2013 to July 2017 due to hacking, resulting in a total of more than 53.4 million personal information leaks. The number of accidents that do not even know the amount of spillage is 23, the actual damage is estimated to be much larger. Most of the post-response responses were so bad that nearly 24 million of the leaked personal information were not recovered.

In fact, in addition to the damage site where personal information has been leaked, many sites commonly use IDs / passwords together or similarly, leading to secondary and tertiary damages. As a reflection of this, 850,000 login attempts were made using personal information leaked from Woori Bank recently, and it was confirmed that 56,000 cases were successful. In addition to the existing personal information leaked account information and deposit information has been leaked.

The problem is serious in that such personal information leakage can be exploited for crimes such as financial fraud, voice phishing, theft and sex crimes. As evidenced by this, voice phishing crimes, which had declined until 2016, increased in three years, resulting in 68.3% and 42.4% increase in the amount and damage of voice phishing in 2017, respectively, and more than 200 billion won. Voice phishing occurred in January-April 2018, with 11,196 cases and damages of only 11.18 billion won, nearly half of last year's damages.

On the other hand, the currently active financial fraud prevention technology is in the beginning level such as alerting caller information such as spam information or telemarketing information between ringing tones, which is insufficient to prevent the increasingly intelligent financial fraud. .

Prior art 1 relates to a voice phishing caution guidance application service providing system and method for preventing voice phishing by analyzing only a voice of a receiver in a voice phishing suspicious call in real time and providing caution guidance in real time during a call.

Specifically, prior art 1 analyzes the voice of the receiver during actual call after recording a plurality of words or keywords related to voice phishing in advance by executing an application program, and how many voice phishing related keywords are used. It consists of the structure which confirms and implements a caution guide when the keyword more than a reference value is used.

However, according to the prior art 1 as described above, the user is not only troublesome to record a large number of voice phishing related keywords using an application program, but also the reliability of the analysis results vary depending on the voice analysis technology or the attention environment. There is a question.

Prior Art 2 relates to a financial fraud prevention app that helps smart phone users to make secure financial transactions.The financial fraud prevention app is a smart phone terminal, a financial fraud prevention server that explains financial fraud prevention measures, a new fraud Financial transaction fraud type servers that provide information on techniques and fraud damage relief servers that provide information that minimizes damage to victims,

However, these financial fraud prevention apps simply provide a variety of information to smartphone users, if the smartphone users neglect the information provided by the app does not help, and above all do not provide a real-time alert during the call There is a problem.

Prior art 3 relates to a financial fraud prevention and crime prevention and criminal identification voice recognition system and method thereof, including voice phishing and smishing, and consists of an application and an authentication server provided to a mobile terminal (smartphone), voice phishing, speech Voice numbers can be verified by comparing the received phone numbers and URLs with information stored in the authentication server while storing the phone numbers and URLs of all financial institutions, public institutions, and national institutions that may be impersonated on the sewing machine. A system and method for essentially suppressing phishing and smishing.

In addition, after a voice is input during a call or arbitrarily, voiceprint pattern is extracted through a voice recognition module of an application installed in the terminal, and the voiceprint pattern is compared, analyzed, and judged by voiceprint database stored in the authentication server to voice phishing and smishing. And loan fraud.

However, the above-described prior art 3 may also have different analysis results according to voice analysis technology or attention environment, and there will be many calls from fraud attempters who do not have voice registered in the database. In this case, there was a problem that the level of the telephone number can be determined and the alarm cannot be departed from the prior art level.

Prior art 1: 10-2016-0011120 (Patent name: Real-time voice phishing caution guidance application service providing system and method thereof)

Prior Art 2: 10-2015-0106100 Patent Publication (name of the invention: financial fraud prevention app)

Prior art 3: 10-2017-0062726 (Patent name: system and method for providing mail and personal information management service)

The present invention has been made to solve the above-mentioned problems, and based on the common sense that the call time with the other party in the case of unknown, wrong or advertised, publicity call is not long, the call time when connecting to the suspected fraudulent phone number It aims to provide a financial fraud prevention method that prevents financial fraud by alerting in real time when the threshold time is exceeded after checking.

Another object of the present invention is to provide a financial fraud prevention method that prevents financial fraud by generating an alarm that increases the intensity in real time in proportion to the talk time after checking the talk time when a call is connected to the suspected fraudulent phone number. have.

Another object of the present invention is to check the communication time when a call with a suspected fraudulent phone number, and when the time exceeds the reference time, the real-time financial alerts to prevent the fraud by alerting the pre-registered guardian terminal in real time To provide a way to prevent fraud.

Financial fraud prevention method of the present invention for achieving the above object is the step (a) of checking the call time when the user terminal is connected to the suspected fraudulent phone number and the user terminal when the call time exceeds the reference time And (b) generating an alarm.

In the above-described configuration, the alarm is composed of one or more of a text or image message, a vibration or an alarm sound.

The reference time is determined in two or more stages, and the alarm increases in strength in proportion to the talk time.

(C) if the call time exceeds any reference time and the guardian terminal is registered, sending an alert to the guardian terminal.

If the user terminal runs the financial app while the call connection time with the suspected fraudulent phone number exceeds an arbitrary reference time, an alarm is generated or the financial app is forcibly terminated.

In the step (b), the alarm is performed by the financial fraud prevention app of the user terminal itself or by an external fraud prevention server according to the request of the financial fraud prevention app.

In step (c), the alert transmission to the guardian terminal is performed by the financial fraud prevention app of the user terminal itself or by an external fraud prevention server according to the request of the financial fraud prevention app.

The suspected fraudulent phone number is a phone number that is not in the phonebook of the user terminal, a phone number that is regularly or irregularly downloaded from the fraud prevention server to the suspected fraudulent phone number, and is stored on its own or requested by the fraud prevention server in real time during a call. The phone number notified to the suspect phone number.

According to the financial fraud prevention method of the present invention, since it was created based on the common sense that the call time with the other party is not known, or if the call or advertisement is not publicly advertised, the call time check and the step-by-step alarm are very simple. Strong and efficient financial fraud can be prevented.

1 is a view for explaining the core technical idea of the financial fraud prevention method of the present invention clearly.
Figure 2 is a flow chart for explaining an embodiment of the financial fraud prevention method of the present invention.
FIG. 3 is a diagram for describing a configuration of generating an alarm to a guardian terminal when the talk time exceeds the reference time in FIG. 2; FIG.
Figure 4 is a sequence chart for explaining another embodiment of the financial fraud prevention method of the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the financial fraud prevention method of the present invention.

As is well known, voice phishing scams are calling on victims to trick people into intercepting money by inviting low interest loans, raising credit ratings, impersonating police / prosecutors or threatening kidnapping. Until voice phishing is connected to fraud, victims are expected to talk with fraudsters for a long time, and the present invention has been made with this in mind.

1 is a view for explaining the core technical idea of the financial fraud prevention method of the present invention clearly. As shown in FIG. 1, the present invention checks the talk time when a call is connected with a suspected fraudulent phone number based on the common sense that the call time with the call counterpart is not long in case of an unknown or wrong call or an advertisement / promotional call. In the event that the time limit is exceeded afterwards, an alert is generated in real time to prevent financial fraud.

In this case, an alert may be generated by varying the intensity of the call duration, for example, when an incoming call from the first suspected fraudulent phone number is received so that the user is informed before the call is connected, for example, "The number is a prepaid phone. Please note that financial fraud may occur. "

In this state, when the user clicks the call button and the call is connected, the talk time is checked from this time. If the talk time exceeds the first reference time, for example, 5 minutes, a low intensity alarm, for example A pop-up message is displayed on the screen during a call. It is preferable to generate a pop-up message with a vibration so that the user can pay attention to the message.

In the same way, if the talk time exceeds the second reference time, for example 10 minutes, for example, "The number is a prepaid phone number. Please note that the risk of financial fraud is very high." It is displayed on the screen with vibration of medium intensity higher than low intensity.

Finally, when the talk time exceeds the third reference time, for example, 15 minutes, the call may be forcibly terminated depending on the user's setting. In this process, if a user runs an arbitrary financial app, for example, each bank's mobile banking app, this may be forcibly terminated.

2 is a flowchart illustrating an embodiment of a method for preventing financial fraud of the present invention. As shown in FIG. 2, the method for preventing financial fraud of the present invention includes a call function and a mobile operating system, so that an application program for personal information processing can be installed and the user carries a terminal, for example, a smartphone. It can be implemented in the form of an application program (hereinafter referred to as 'financial fraud prevention app').

The financial fraud prevention app includes caller ID information including suspicious fraud numbers, reception status check function, call time check function, application information, for example, financial app check function, alert function by alarm level (strength), and financial app execution. Notification function, designated number, for example, parental number registration function and communication with an external server, incoming message confirmation of receipt and receipt of incoming message read function (the embodiment of Figure 4) and SMS, LMS, MMS, push message and SIM ToolKit message transmission and reception can be provided.

In FIG. 2, the financial fraud prevention app is operating in the background while the user's smartphone is turned on, and if the call (call) is connected to a random phone number (step S10), the phone number is suspected of fraud. It is determined whether it is a telephone number (step S20). In this case, whether the phone number is suspected of fraud is reported as a phone number which is not in the phonebook, or a phone number which is regularly or irregularly downloaded from an external fraud prevention server and stored by itself, for example, a prepaid phone or voice phishing scam. By comparison with the telephone number and the like.

On the other hand, the fraud prevention app delivers the caller's phone number to the fraud prevention server in real time, and compares it with the phone number that the fraud prevention server stores as a fraud suspect phone number or to various financial fraud pretending agencies or mobile carriers. It may also be performed by the result of inquiry and notification (for prepaid phone).

As a result of the determination in step S20, the program is terminated if it is not a suspicious number, but if it is a suspicious number, a pop-up message, for example, "The number is a prepaid phone number. Please note that the pop-up message, such as "" on the screen to inform the user and then run the talk time check timer to check the talk time (step S30).

Next, in step S40, it is determined whether the call duration has exceeded the first reference time, for example, 5 minutes (possibly increase or decrease), if not exceeded, repeating step S40, whereas if exceeded, Assuming a fraud is in progress, a low intensity alert is generated (step S50), for example, "This number is a prepaid phone number. Please note that the risk of financial fraud is high." Is displayed on the screen during a call, it is preferable to generate the vibration with the user to pay attention to the message. Alternatively, the alarm may be a warning sound.

Next, in step S60, it is determined whether the talk time has exceeded the Nth reference time. If not, the step S60 is repeatedly performed, whereas if it is exceeded, the alarm of the Nth intensity is displayed as a pop-up message or vibration. Generation (step S70). In addition, the Nth alarm may be implemented in a pop-up message with larger and stronger contents or a vibration or alarm sound than the previous low-intensity alarm.

FIG. 3 is a diagram for describing a configuration of generating an alarm to a guardian terminal when the talk time exceeds the reference time in FIG. 2. As shown in Fig. 3, in the method of the present invention, the guardian's telephone number can be registered in advance in preparation for the risk of financial fraud. In step S80, it is determined whether the registered guardian terminal exists.

As a result of the determination in step S80, when the guardian terminal is registered, when the call time exceeds a preset reference time, an alert is transmitted to the guardian terminal by SMS, LMS, MMS or push message (step S90).

Finally, in step S100, it is determined whether any financial app is running during the call. If it is, it determines that the financial fraud has reached the end, and generates the highest level alarm or forcibly terminates the current call or financial app. (Step S110).

4 is a sequence chart for explaining another embodiment of the financial fraud prevention method of the present invention, the financial fraud prevention app installed in the user terminal 100 and the fraud prevention server 200 may be performed in cooperation with each other. In this case, the financial fraud prevention app includes the financial fraud prevention app with caller ID information including suspected fraudulent number, reception status check function, call time check function, application information, for example, financial app check function, and alert level (strength). Notification function, notification function when running financial app, designated number, e.g. guardian number registration function, confirmation of incoming message arrival and receipt of incoming message read function, communication with fraud prevention server and SMS, LMS, MMS, push Messages and SIM ToolKit messages can be transmitted and received.

Next, the fraud prevention server 200 checks user subscription information and terminal information, login information receiving fraud analysis function, guardian terminal registration function, message classification function according to information reception, classified message sending request function, sent message arrival And read / unread status check function, designated number authentication function, terminal event information collection and SMS, LMS, MMS, Push Message, SIM toolkit message sending function and the like.

As shown in FIG. 4, the financial fraud prevention app is operating in the background while the user terminal 100 is turned on, and then a call (call) is connected between any telephone number (step S200). In the case where it is determined whether the telephone number is a suspected fraudulent telephone number (step S20). In this case, whether the phone number is suspected of fraud is a phone number that is not in his / her phonebook, a phone number that is regularly or irregularly downloaded from an external fraud prevention server 200 and stored on its own, for example, a prepaid phone or voice phishing. This can be done by comparison with a telephone number reported as fraudulent or the like.

On the contrary, the financial fraud prevention app delivers the other party's phone number to the fraud prevention server 200 in real time, and the fraud prevention server 200 compares it with its own phone number that is stored as a suspected fraudulent phone number or various financial frauds. It may also be performed by the result of the inquiry (in case of prepaid phone) inquired by impersonation agency or mobile carrier.

As a result of the determination in step S200, the program is terminated if it is not a suspicious number, but if it is a suspicious number, a pop-up message, for example, "The number is a prepaid phone number. Please note that the pop-up message, such as "" on the screen to inform the user and then run the talk time check timer to check the talk time (step S220).

Next, in step S230, it is determined whether the call duration has exceeded the first reference time, for example, 5 minutes (possible increase or decrease). Assuming that fraud is in progress, the fact that the first reference timeout is transmitted to the fraud prevention server 200 is requested to send an alert (step S240).

In response, the fraud prevention server 200 transmits an alarm of low intensity based on the information received from the user terminal 100 (step S250), for example, "the number is a prepaid phone number. The risk of financial fraud is high. Please pay attention. "A message in the text or image is transmitted to the user terminal 100 to be displayed on the screen during the call, it is preferable that the vibration is generated so that the user can pay attention to the message.

Next, in step S260, it is determined whether the talk time has exceeded the Nth reference time. If not, the step S260 is repeated, whereas in the case of exceeding the Nth reference time, the fraud prevention server ( 200) (step S270).

In response, the fraud prevention server 200 alerts the user with a message or image that is more intense than the previous alert, for example, "This number is a prepaid phone number. The risk of financial fraud is very high." It transmits to the user terminal 100 to float on the screen during a call, in which case it is preferable to generate a greater vibration.

Next, the fraud prevention server 200 determines whether there is a guardian terminal registered in step S290.

As a result of the determination in step S290, when the guardian terminal is registered, when the call time exceeds a preset reference time, the guardian terminal sends an alert by SMS, LMS, MMS or push message (step S300).

Financial fraud prevention method of the present invention can be variously modified and implemented by anyone of ordinary skill in the art without departing from the gist of the invention described in the claims, of course, and It is noted that such changes are within the scope of the claims.

For example, one alarm may be performed when the talk time exceeds the reference time without generating an alarm step by step. In this case, the alarm may include a forced call termination in addition to the simple alarm.

Meanwhile, in the embodiment of FIG. 4, the fraud prevention server 200 may transmit an alert through a message sending server provided by itself or by requesting an external message sending server. Fraud prevention server 200 is also associated with the mobile carrier for the confirmation of the prepaid phone or user authentication, for example, when a request for alerts is received, the user's phone number sent to the carrier to perform the authentication result It may also determine whether an alarm has occurred.

Claims (8)

(A) checking, by the user terminal, a call time when a call is connected with a telephone number of which the suspected fraudulent telephone number is a source; and
(B) generating an alarm to the user terminal when the call time exceeds a reference time,
When the user terminal runs the financial app in the state exceeding the reference time, characterized in that forcibly terminate the financial app, financial fraud prevention method. The method according to claim 1,
Wherein said alert comprises at least one of a textual or image message, a vibration, or an alert sound. The method according to claim 1,
The reference time is determined in two or more steps, and the alert is a financial fraud prevention method, characterized in that the intensity is increased in proportion to the talk time. The method according to claim 1,
And (c) sending an alert to the guardian terminal if the talk time exceeds an arbitrary reference time and the guardian terminal is registered. delete The method according to claim 1,
In the step (b), the alert is performed by the financial fraud prevention app of the user terminal itself or financial fraud prevention method, characterized in that performed by an external fraud prevention server according to the request of the financial fraud prevention app. The method according to claim 4,
In the step (c), the alert transmission to the guardian terminal is performed by the financial fraud prevention app of the user terminal itself or by the fraud prevention server according to the request of the financial fraud prevention app. Way. The method according to any one of claims 1 to 4, 6 and 7,
The suspected fraudulent phone number is a phone number that is not in the phonebook of the user terminal, a phone number that is regularly or irregularly downloaded from the fraud prevention server to the suspected fraudulent phone number, and is stored on its own or requested by the fraud prevention server in real time during a call. Financial fraud prevention method characterized in that the phone number received by the suspect phone number.

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