KR102556983B1 - Safe remittance system - Google Patents

Abstract

Safe remittance system according to an embodiment of the present invention, a safe remittance application linked to a buyer's account or phone number is built, a buyer's terminal that receives an input value and transmits remittance information for transferring money to an account or phone number; A safe remittance application linked to the seller's account or phone number is built, and the seller terminal receives the remittance information of the money remitted through the buyer terminal and the buyer terminal and the seller terminal receive and transmit the remittance information transmitted and received. and a safe remittance server that permits or blocks the sending and receiving of money based on the received remittance information, wherein the remittance information includes the name of the buyer or seller, the phone number of the buyer or seller, the account number of the buyer or seller, and the name of the buyer or seller It is characterized in that it includes at least one of a password, a QR code, a barcode, and information on a deposit setting time at which money is transferred according to a preset time for sending and receiving payment costs.

Description

Safe remittance system {Safe remittance system}

The present invention relates to a safe remittance system, and more specifically, in the process of transferring money sent and received between a seller and a buyer through online, a safe remittance server that can safely and efficiently deliver it relays it, thereby providing a more secure It is about a safe remittance system that can create a transaction environment.

With the activation of electronic financial transactions, there are an increasing number of erroneous remittances made by mistake in account number or amount, and as simple remittances increase, erroneous remittances are also increasing every year. However, it requires a lot of time and effort.

Meanwhile, looking at the case of 2017, 52,105 cases (KRW 111.5 billion) out of a total of 92,469 cases (KRW 238.5 billion) in error remittance return requests were not returned, and the reasons were that the recipient could not be contacted, the return was delayed, and it was difficult to verify personal information. etc., there are reasons.

On the other hand, financial crimes such as phishing and voice phishing related to financial transactions are also continuously increasing. Looking at the status of voice phishing incidents, damages of KRW 440 billion occurred in 2018 alone, which is higher than the amount of damage in 2017 (KRW 243.1 billion). It increased by 82.7% (KRW 200.9 billion), showing the highest level ever.

In addition, loan fraud that impersonates financial institutions by exploiting the recent increase in household loan demand has increased significantly. In the case of 2018, 13,519 cases, or 80% of the total voice phishing cases of 16,338 cases were loan fraud, and 8 out of 10 cases were of financial institutions. An impersonation technique was used.

In addition, with the activation of SNS, the number of messenger phishing victims impersonating acquaintances is also increasing. In order to prevent damage from messenger phishing, the Financial Supervisory Service recommends making a phone call to an acquaintance to confirm whether or not it is true, but according to the damage status, the effect of the recommendation is insignificant.

The reason why it is difficult to prevent phishing and erroneous remittance in existing transfer transactions is that it is composed of a sender-centered one-way electronic transaction (authentication, security, abnormal financial transaction detection, etc.) structure. because it is not equipped.

Due to such a one-way structure centered on the sender, when a mistake or phishing scam remittance problem occurs, the responsibility for it is also unilaterally given to the sender, so the security of the conventional electronic funds transfer method and the relief of users using the financial system There was an urgent need to develop technology for an easy-to-use safe remittance system.

The present invention is proposed to solve the above problems, and is a safe remittance system that can prevent mistaken remittance and phishing fraud remittance, breaking away from the existing sender-centered electronic funds transfer method that imposes unilateral responsibility on the sender for transfer transactions. It aims to provide

In the safe remittance system according to an embodiment of the present invention for solving the above problems, a safe remittance application linked to a buyer's account or phone number is built, and remittance information for receiving an input value and transferring money to an account or phone number Buyer terminal that transmits; A safe remittance application linked to the seller's account or phone number is built, and the seller terminal receives the remittance information of the money remitted through the buyer terminal and the buyer terminal and the seller terminal receive and transmit the remittance information transmitted and received. It may include a safe remittance server that permits or blocks remittance of money based on the received remittance information.

Here, the remittance information includes the buyer's or seller's name, the buyer's or seller's phone number, the buyer's or seller's account number, the buyer's or seller's payment cost, a preset password, a QR code, a barcode, and a preset time It may include one or more of deposit setting time information at which money is transferred according to the method.

In addition, the buyer terminal and the seller terminal may construct a database for receiving and storing buyer or seller credit information, buyer or seller financial information, and buyer or seller personal information.

In addition, the safe remittance server, when cancellation information is input from the purchaser terminal within the deposit setting time, the safe remittance server receives the cancellation information from the purchaser terminal, transmits the cancellation information from the purchaser terminal to the seller terminal, and When the seller terminal receives cancellation information from the buyer terminal and confirms cancellation details, a refund module for retransmitting the money remitted from the buyer terminal to the buyer terminal may be included.

In addition, the remittance information includes the buyer's voice information stored through the buyer's terminal and the seller's voice information stored through the seller's terminal. can include more.

In addition, the safe remittance server includes a TTS detection module that receives and stores the buyer's voice information and the seller's voice information in a database, and checks the validity of the voice information transmitted to the safe remittance server through the buyer's terminal or the seller's terminal. and when the payment cost is remitted through the buyer's terminal or seller's terminal, the buyer's or seller's terminal is requested for the buyer's voice information or the seller's voice information, and the voice information transmitted through the buyer's terminal or seller's terminal is stored in the database. When it is determined that the voice information matches, the remittance is permitted, and when the voice information transmitted through the buyer's terminal or the seller's terminal does not match the voice information stored in the database, the remittance may be blocked.

In addition, the safe remittance system includes a loan module that inquires the purchaser's account or phone number and transmits loan product information to the purchaser's terminal when the balance of the account or phone number is less than the remittance cost input to the purchaser's terminal. can do.

In addition, the safe money transfer system may further include a manager server that receives remittance information transmitted and received through a buyer terminal, a seller terminal, and a safe money transfer server, and manages the buyer terminal, the seller terminal, and the safe money transfer server.

In addition, the safe remittance system further includes a harmful blocking module that receives remittance information transmitted and received through a buyer's terminal, a seller's terminal, and a safe remittance server, and determines the harmfulness of the remittance information, and the harmful blocking module comprises a police server Alternatively, it can be interlocked with the server of a data security company.

In addition, the safe remittance system further includes a fee collection module for adding a fee to money transferred through the purchaser terminal, and the fee collection module differentially adds a fee according to a set amount, and The fee generated according to permission of remittance can be remitted to the manager server.

In addition, the safe remittance server includes a receipt issuing module for issuing an electronic receipt for the remitted money when the buyer terminal transfers money to the seller terminal, and the receipt issuing module, When remittance is permitted, an electronic receipt for the remitted money is transmitted to the buyer's terminal, and the buyer's terminal receiving the electronic receipt can output the transmitted electronic receipt.

The safe remittance system according to an embodiment of the present invention provides a simple and safe remittance system, and has the advantage of protecting user's reliability and personal information.

In addition, the safe remittance system according to an embodiment of the present invention has the advantage of being able to perform efficient management by receiving remittance information transmitted and received between a seller terminal and a buyer terminal as a safe remittance server that comprehensively manages transactions. have

In addition, the safe remittance system according to an embodiment of the present invention can cancel remittance information sent and received according to changing market conditions in the middle stage of sending and receiving money, thereby effectively responding to price fluctuations according to market prices. have an advantage

In addition, the safe remittance system according to an embodiment of the present invention has the advantage of preventing financial fraud damage that may occur to a buyer or seller by using the TTS detection module.

In addition, the safe remittance system according to an embodiment of the present invention is a harmful blocking module that determines the harmfulness of remittance information, thereby preventing financial damage that may occur in the transaction process, and when a problem occurs, it can be easily resolved. have

In addition, the safe remittance system according to an embodiment of the present invention further includes a fee collection module that differentially adds a fee according to the input value of the set amount, thereby creating a new profit structure for the manager who manages the system of the present invention. and has the advantage of inducing smoother cash flow.

In addition, the safe remittance system according to an embodiment of the present invention has the advantage of being able to issue an electronic receipt more easily by using a receipt issuance module.

1 is a configuration diagram showing the overall configuration of a safe money transfer system according to an embodiment of the present invention.
2 is a block diagram showing the overall configuration of a safe money transfer system according to an embodiment of the present invention.
3(a) and (b) are block diagrams showing buyer and seller information stored through buyer terminals and seller terminals according to an embodiment of the present invention.
4 is an exemplary diagram of a seller terminal showing credit information and financial information of a seller according to an embodiment of the present invention.
5 is an exemplary diagram of a purchaser terminal equipped with a loan module according to an embodiment of the present invention.
6 is a schematic diagram of a safe remittance system in which a harmful blocking module is built according to an embodiment of the present invention.
7 is a schematic diagram illustrating a process of granting a fee by a fee collection module according to an embodiment of the present invention.
8 is an exemplary diagram illustrating a process of issuing an electronic receipt by a receipt issuing module according to an embodiment of the present invention.

Hereinafter, the description of the present invention with reference to the drawings is not limited to specific embodiments, and various transformations may be applied and various embodiments may be applied. In addition, the content described below should be understood to include all conversions, equivalents, or substitutes included in the spirit and scope of the present invention.

In the following description, terms such as first and second are terms used to describe various components, and are not limited in meaning per se, and are used only for the purpose of distinguishing one component from another.

Like reference numbers used throughout this specification indicate like elements.

Singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. In addition, terms such as "include", "include" or "have" described below are meant to designate that features, numbers, steps, operations, components, parts, or combinations thereof described in the specification exist. should be construed, and understood not to preclude the possibility of the presence or addition of one or more other features, numbers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in the present application, it should not be interpreted in an ideal or excessively formal meaning. don't

In addition, in the description with reference to the accompanying drawings, the same reference numerals are given to the same components regardless of reference numerals, and overlapping descriptions thereof will be omitted. In describing the present invention, if it is determined that a detailed description of related known technologies may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted.

Hereinafter, a safe transfer system 1 according to an embodiment of the present invention will be described in detail with reference to FIGS. 1 to 8 .

1 is a block diagram showing the overall configuration of a safe money transfer system according to an embodiment of the present invention, and FIG. 2 is a block diagram showing the overall configuration of a safe money transfer system according to an embodiment of the present invention. 3 (a) and (b) are block diagrams showing buyer and seller information stored through a buyer terminal and a seller terminal according to an embodiment of the present invention, and FIG. 4 is credit information of a seller according to an embodiment of the present invention. 5 is an exemplary view of a buyer terminal equipped with a loan module according to an embodiment of the present invention, and FIG. 6 is an example of a buyer terminal having a harmful blocking module according to an embodiment of the present invention It is a schematic diagram of the safe money transfer system.

First, referring to FIG. 1 , the safe money transfer system 1 according to an embodiment of the present invention may include a buyer terminal 100 , a seller terminal 200 and a safe money transfer server 300 .

Specifically, a safe remittance application 101 linked to a buyer's account or phone number may be built in the purchaser's terminal 100 .

In addition, the safe remittance application 101 built in the purchaser terminal 100 receives remittance information regarding money to be transferred (hereinafter referred to as "payment cost") and transmits the remittance information to the seller's account or phone number. can transmit

Here, the money may refer to cash used in reality, but coins or coupons issued through a safe transfer application may also be used.

In addition, the safe remittance application 101 built in the purchaser terminal 100 may transmit remittance information to the seller terminal 200 or the secure remittance server 300 to be described in detail later.

Also, in the seller terminal 200, like the buyer terminal 100, a safe remittance application 201 linked to the seller's account or phone number may be built.

In addition, the seller terminal 200 may receive remittance information transmitted through the buyer terminal 100 .

On the other hand, the buyer terminal 100 and the seller terminal 200 can transmit and receive remittance information through the safe remittance applications 101 and 201 built in each terminal, but if the buyer terminal 100 and the seller terminal Among (200), if the safe remittance application (101, 201) is not built in one or more terminals (100, 200), remittance information can be transmitted and received through message transmission means such as SMS, LMS, and MMS.

In addition, the safe remittance server 300 may receive and manage remittance information transmitted and received through the buyer terminal 100 and the seller terminal 200 in the middle.

In addition, the safe remittance server 300 receives remittance information transmitted and received through the buyer terminal 100 and the seller terminal 200, and allows or blocks the transmission and reception of payment costs based on the received remittance information. .

Here, the remittance information refers to the buyer's or seller's name, the buyer's or seller's phone number, the buyer's or seller's account number, the buyer's or seller's password for depositing and withdrawing the payment cost, and the deposit setting to which the payment cost is remitted according to the preset time. One or more of time information may be included.

In addition, data information such as QR codes or barcodes transmitted and received through the buyer terminal 100 or the seller terminal 200 may be used as remittance information according to an embodiment of the present invention.

At this time, the QR code or barcode transmitted through the buyer terminal 100 or the seller terminal 200 stores the contents related to the remittance information, so that the user can use the buyer terminal 100 or the seller terminal 200 to generate QR By directly scanning a code or barcode, it is possible to automatically check the remittance and receipt of payments.

Specifically, referring to (a) of FIG. 3 , the buyer's remittance information may be collected through the buyer terminal 100 and stored in the database 102 built in the buyer terminal 100 .

More specifically, a purchaser who owns the purchaser terminal 100 may pre-store credit information 110 , financial information 120 , and personal information 130 of the purchaser terminal 100 .

Here, the buyer's credit information 110 may include the buyer's loan repayment rate, whether or not the loan is overdue, and information according to the relationship with the main bank, and the financial information 120 may include the buyer's savings, stocks or It may include cash or property holding conditions and investment information, such as personal property, and the personal information 130 may include information about the buyer's residence, age, gender, occupation, education, and the like.

In addition, the remittance information of the seller may be collected through the seller terminal 200 and stored in the database 202 built in the seller terminal 200 .

Specifically, the seller using the seller terminal 200 may pre-store credit information 210 , financial information 220 , and personal information 230 of the seller terminal 200 .

More specifically, the seller's credit information 210 may include the seller's loan repayment rate, whether or not the loan is overdue, and information according to the relationship with the main bank, and the financial information 220 may include the seller's savings amount, It may include information about cash or property holdings such as stocks or movable assets and investment information, and the personal information 230 may include information about the seller's residence, age, gender, occupation, education, and the like.

In addition, the credit information 210, financial information 220, and personal information 230 of the seller may be displayed in the form of a graph G on the seller terminal 200, as shown in FIG. When the seller terminal 200 requests to view credit information 210, financial information 220, and personal information 230 from other terminals, it is permitted or blocked, and the credit information of the seller himself/herself as shown in FIG. (210), financial information (220) and personal information (230) can be viewed by others.

In addition, the remittance information may include information about a password for depositing and withdrawing payment costs of the buyer or seller, and may be information on a deposit setting time at which payment costs are remitted according to a preset time.

In addition, the safe remittance server 300 receives the payment cost transmitted through the buyer terminal 100 before it is transmitted to the seller terminal 200, and the transaction details according to the payment cost or remittance information from the seller terminal 200 After receiving the information, the payment cost may be transferred to the seller's account or phone number according to the deposit setting time preset in the buyer's terminal 100 .

Here, the safe remittance server 300 receives the payment cost while money is being sent and received from the buyer terminal 100 and the seller terminal 200, and according to the deposit setting time preset in the buyer terminal 100, the seller terminal A timer module 310 may be provided to send money to 200 .

At this time, the timer module 310 receives information about the deposit setting time that can be set by the buyer terminal 100 or the seller terminal 200, and is approved by the buyer terminal 100 and the seller terminal 200, respectively. The request can be transmitted, and the deposit setting time, for example, the buyer terminal 100 transfers the payment cost to the seller terminal 200, but the timer module 310 sets the deposit setting time to a value of 1 hour If so, the timer module 310 transmits, to the buyer terminal 100 and the seller terminal 200, an approval request for remittance and collection for the payment amount, and the seller terminal 200 and the buyer terminal 100 Within the time set by the timer module 310, a password for sending and receiving payment is input, and the processing of sending and receiving payment is completed.

At this time, when the seller terminal 200 or the buyer terminal 100 does not confirm the approval request within the time set through the timer module 310, or rejects the approval request transmitted through the timer module 310, The amount of money scheduled to be transferred from the purchaser terminal 100 may be returned to the purchaser's account or phone number.

That is, in the safe money transfer system 1 according to an embodiment of the present invention, the seller's permission and the buyer's permission must be performed within the time set by the timer module 310.

Accordingly, the safe remittance system 1 according to an embodiment of the present invention has an advantage in that the safety of the transaction can be guaranteed because the transaction is performed only when the seller and the buyer have simultaneous permission.

In addition, in the safe remittance system 1 according to an embodiment of the present invention, when cancellation information is input from the purchaser terminal 100 within the deposit setting time, the safe remittance server 300 transmits the cancellation information of the purchaser terminal 100. Refund module 320 for receiving and transmitting the cancellation information of the purchaser terminal 100 to the seller terminal 200 may be further included.

In addition, when the seller terminal 200 receives cancellation information from the buyer terminal 100, the safe remittance server 300 retransmits the payment cost remitted from the buyer terminal 100 to the buyer terminal 100. can

At this time, the seller terminal 200 may receive information according to the remittance cancellation of the buyer terminal 100 through the refund module 320, and the buyer terminal 100, through the refund module 320, You can receive authentication details for remittance cancellation.

Accordingly, the safe remittance system 1 according to an embodiment of the present invention receives information on the payment amount transmitted and received between the buyer terminal 100 and the seller terminal 200, but refunds the payment cost remitted by the buyer. If you want to receive it, you can receive retransmission again through the refund module 320, which has the advantage of securing reliability between the consumer and the seller.

In addition, the remittance information may include buyer voice information stored through the buyer terminal 100 and seller voice information stored through the seller terminal 200, and the safe remittance server 300 may include the TTS detection module 330 ) may be included.

To this end, each of the buyer's terminal 100 and the seller's terminal 200 may be provided with a microphone for receiving the voices of the buyer and seller.

However, this is only a preferred embodiment, and the voice information of the buyer and the seller is received based on the recorded files stored in the database (102, 202) of the buyer terminal 100 or the seller terminal 200, rather than a real-time voice input device. can

Specifically, the safe remittance server 300 may receive the buyer's voice information and the seller's voice information and store them in the database (DB) of the safe remittance server 300 .

In addition, the safe remittance server 300 transmits the purchaser's voice information or seller's voice information to the buyer's terminal 100 or the seller's terminal 200 when the payment cost is remitted through the buyer's terminal 100 or the seller's terminal 200. Voice information can be requested.

In addition, the TTS detection module 330 may check the validity of voice information transmitted to the safe remittance server 300 through the purchaser terminal 100 or the seller terminal 200.

At this time, if the voice information transmitted through the buyer's terminal 100 or the seller's terminal 200 matches the voice information stored in the database (DB) of the safe remittance server 300, remittance may be permitted.

However, if the voice information transmitted through the buyer's terminal 100 or the seller's terminal 200 does not match the voice information stored in the database (DB) of the safe remittance server 300, remittance may be blocked.

More specifically, with the development of text to speech (TTS) programs that can speak a language similar to a human by receiving voice information based on a person's voice due to recent technological development, problems breaking through security may occur. , In order to solve the above problem, the TTS detection module 330 receives the voice information of the buyer and the seller, and may request information related to a predetermined time for receiving the voice information and the speed of the voice information.

Accordingly, the TTS detection module 330 according to an embodiment of the present invention determines whether the voice information transmitted through the buyer's terminal 100 and the seller's terminal 200 is a voice produced through a TTS program, and whether the actual seller and buyer's Since it is possible to detect whether it is a voice, it is possible to prevent a user having an illegal purpose from proceeding with payment for a purchase using the voice of a seller or a buyer.

In addition, the safe remittance system 1 inquires the buyer's account or phone number, and if the balance of the account or phone number is less than the payment cost entered in the buyer terminal 100, the buyer terminal 100 lends money. A loan module 340 for transmitting product information may be further included.

Specifically, the loan module 340 interworks with the first financial sector server and the second financial sector server, and provides credit information 110 and financial information 120 of the current purchaser stored in the database 102 of the purchaser terminal 100. And based on the personal information 130, information about products currently available for loan may be displayed to the purchaser.

As shown in FIG. 5 , guidance on the amount of money currently available for loan can be provided by the purchaser terminal 100 , which has the advantages of better visibility and convenient use.

In addition, the safe money transfer system 1 may further include a manager server 400 .

Specifically, the manager server 400 may receive transfer information transmitted and received through the buyer terminal 100 , the seller terminal 200 and the safe transfer server 300 .

In addition, the manager server 400 can view the database (DB) of the safe remittance server 300 in which the information transmitted through the buyer terminal 100 or the seller terminal 200 is stored and modify the remittance information.

In addition, the manager server 400 may store information on the payment amount transmitted and received through the buyer terminal 100, the seller terminal 200, and the safe remittance server 300 described above, and the manager server 400 The administrator who manages has the advantage of enabling a more secure transaction by mediating when a problem occurs in the payment process by reading information about transaction details stored in the manager server 400.

In addition, the safe remittance system 1 may further include a harmful blocking module 350 that determines the harmfulness of remittance information.

Specifically, the harmful blocking module 350 can receive remittance information transmitted and received through the buyer terminal 100, the seller terminal 200, and the safe remittance server 300, and the manager server 400 described above can be linked with

In addition, the harmful blocking module 350 may interwork with the police server 351 or the data security company server 352 .

Specifically, the harmful blocking module 350 is provided to detect illegal users or financial criminals using hacking programs, and when the harmful blocking module 3500 detects hacking programs or illegal users, safe transfer It is possible to transmit records and history of access by hacking programs or illegal users to the manager server 400 that manages the system 1 .

In addition, the manager server 400, which has received the access history of the hacking program or illegal user, sends the received hacking program or illegal user access record and history to the police server 351 or the data security company server 352. can transmit

Accordingly, the police server 351 and the data security company server 352, when a hacking program or an illegal user tries to access the safe remittance system 1 according to an embodiment of the present invention, manage the manager server 400 ), delete the hacking program, or block attempts to access the system from an unclear path, so the seller's and buyer's personal information and property can be protected from users who access the system with impure purposes. have

7 is a schematic diagram illustrating a process of granting a fee by the fee collection module according to an embodiment of the present invention.

Referring to FIG. 7 , the safe money transfer system 1 according to an embodiment of the present invention is transferred to the safe money transfer application 201 of the seller terminal 200 through the safe money transfer application 101 of the buyer terminal 100. It may further include a fee collection module 360 that adds a fee to the money to be transferred, and the fee collection module 360 differentially adds a fee according to the set amount and allows the transfer of the purchaser terminal 100. The fee generated according to the above may be transferred to the manager server 400 .

Here, the fee collection module 360 may be provided as a terminal for separate collection from the safe money transfer system 1, but is most preferably built in the safe money transfer server 300.

Specifically, the fee collection module 360 may differentially add a fee to the money transferred to the seller terminal 200 through the buyer terminal 100 according to the manager's preset remittance amount.

Here, the predetermined amount of money may be set through the manager server 400 that manages the safe transfer system 1 as a whole.

For example, to describe the fee collection module 360 according to an embodiment of the present invention in detail, the manager server 400 remits 1,000,000 won of money transferred from the buyer terminal 100 to the seller terminal 200. If allowed, set to pay a fee of 1,000 won, that is, 0.1% of the cost to be transferred, and transfer money of less than 1,000,000 won, for example, 500,000 won, transferred from the buyer terminal 100 to the seller terminal. If allowed, it is set to pay a fee of 2,500 won, that is, 0.5% of the cost of remittance.

At this time, the fee of 1,000 won or 2,500 won generated through the fee collection module 360 can be transferred to the manager server 400, and the manager server 400 is the manager who manages the manager server 400. can be linked with the account number of

Accordingly, the safe remittance system 1 according to an embodiment of the present invention can pay a fee, that is, a cost, which is a price for contributing to creating a safe remittance environment to the manager who provides and manages the safe remittance system 1 , has the advantage of creating a new profit structure for the manager, and also has the advantage of facilitating the cash flow between the buyer and the seller by providing a cheaper commission when the buyer transfers a large amount of money. have

8 is an exemplary diagram illustrating a process of issuing an electronic receipt by a receipt issuing module according to an embodiment of the present invention.

Referring to FIG. 8 , in the receipt issuance module 370 according to an embodiment of the present invention, the buyer terminal 300 remits money to the seller terminal 200, and the safe transfer server 300 transmits money to the buyer terminal 100. ) is allowed, it is provided to issue and transmit an electronic receipt (B) related to money sent and received to the buyer terminal 100 or the seller terminal 200.

Here, the receipt issuance module 370 may be provided as a relay terminal separate from the safe money transfer system 1, but is most preferably built within the safe money transfer server 300.

In addition, in the receipt issuance module 370, a POS system (POS) used for issuing electronic receipts can be used, and a terminal for issuing electronic receipts (B) commonly used for issuing electronic receipts (B). can all be used.

At this time, the receipt issuance module 370 preferentially sends an electronic receipt (B) related to the money remitted from the buyer terminal 100 to the seller terminal 200, and the seller terminal 200, the receipt issuance module The electronic receipt B received through 370 may be transmitted to the purchaser terminal 100 .

At this time, the safe remittance application 201 built in the seller terminal 200 may receive an electronic receipt (B) issued by the POS system (POS).

In addition, the safe remittance application 101 built in the buyer terminal 100 can also receive an electronic receipt (B) in the same way as the seller terminal 200 .

In addition, the electronic receipt (B) transmitted to the buyer terminal 100 through the seller terminal 200 may be transmitted by a conventional text transmission method such as SMS, LMS, MMS, or image and text transmission method through data communication. there is.

Hereinafter, the process of issuing the electronic receipt (B) by the receipt issuance module 370 will be described in detail. An application or module capable of receiving information on payment data proceeding in the POS system (POS) of the safe remittance server 300 to the seller terminal 200 and transmitting the information to the customer is built.

Thereafter, when the purchaser terminal 100 requests permission for remittance from the safe remittance server 300, and the safe remittance server 300 permits the remittance, the receipt issuance module 370 built in the safe remittance server 300 , Transmits the remittance information transmitted from the POS system (B) to the seller terminal (200).

Finally, the seller terminal 200, which has received the remittance information of the POS system (POS) through the receipt issuance module 370, transfers the received remittance details, that is, the electronic receipt (B), directly from the buyer terminal 100 to the seller It is transmitted to the terminal 200.

Through this, the safe remittance system 1 according to the embodiment of the present invention does not directly issue the electronic receipt (B) to the buyer, but sends the electronic receipt (B) to the buyer terminal 100 via the seller terminal 200. It has the advantage of simultaneously saving the cost and time consumed in issuing the electronic receipt (B) to the buyer and seller.

In addition, the buyer terminal 100 can freely browse the received electronic receipt, and stores the received electronic receipt (B) in text format as an image file so that the received electronic receipt (B) can be printed and stored. and can be stored.

Accordingly, the safe remittance system 1 according to an embodiment of the present invention has the advantage of being easier to use because remittance information related to remitted money can be checked at any time using the electronic receipt (B).

The safe transfer system 1 according to the embodiment of the present invention described with reference to FIGS. 1 to 8 above is not implemented only through a device and / or method, and functions corresponding to the configuration of the embodiment of the present invention It may be implemented through a program for realization, a recording medium on which the program is recorded, etc., and such an implementation can be easily implemented by an expert in the technical field to which the present invention belongs based on the description of the above-described embodiment.

In addition, although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concept of the present invention defined in the following claims are also present. belong to the scope of the invention.

1: Safe remittance system
100: buyer terminal
101: Safe remittance application built in the buyer's terminal
110: credit information
120: financial information
130: personal information
200: seller terminal
201: Safe remittance application built in the seller's terminal
210: credit information
220: financial information
230: personal information
300: safe remittance server
310: timer module
320: refund module
330: TTS detection module
340: loan module
350: harmful blocking module
351: police server
352: data security company server
360: fee collection module
370: receipt issue module
400: manager server
DB: database
POS: POS system
B: e-receipt

Claims (8)

A buyer's terminal that transmits remittance information for transferring money to an account or phone number by receiving an input value when a safe transfer application linked to a buyer's account or phone number is built;
A seller terminal for receiving remittance information of money transferred through the buyer terminal by building a safe transfer application linked to the seller's account or phone number, and
Including a safe remittance server that receives remittance information transmitted and received through the buyer terminal and the seller terminal, and permits or blocks the transmission and reception of money based on the transmitted remittance information,
The remittance information,
Buyer's or seller's name, buyer's or seller's phone number, buyer's or seller's account number, pre-set password, QR code, barcode, and deposit setting to transfer money according to the pre-set time for sending and receiving the buyer's or seller's payment costs contains one or more of the time information;
The safe remittance server,
When cancellation information is input from the purchaser's terminal within the deposit setting time, the safe remittance server receives the cancellation information from the purchaser's terminal and transmits the cancellation information from the purchaser's terminal to the seller's terminal;
When the seller terminal receives cancellation information from the buyer terminal and confirms cancellation details, a refund module for retransferring money remitted from the buyer terminal to the buyer terminal;
The remittance information,
Purchaser's voice information stored through the purchaser's terminal and
Further including seller voice information stored through the seller terminal,
The safe remittance server,
receiving the buyer's voice information and the seller's voice information and storing them in a database;
Further comprising a TTS detection module that checks the validity of the voice information transmitted to the safe remittance server through the buyer terminal or seller terminal,
When the payment cost is remitted through the buyer's terminal or the seller's terminal, request the buyer's voice information or the seller's voice information to the buyer's terminal or the seller's terminal,
If it is determined that the voice information transmitted through the buyer's terminal or the seller's terminal matches the voice information stored in the database, remittance is permitted;
If the voice information transmitted through the buyer's terminal or the seller's terminal does not match the voice information stored in the database, the remittance is blocked,
The safe remittance system,
Further comprising a manager server that receives remittance information transmitted and received through the buyer terminal, seller terminal, and safe remittance server, and manages the buyer terminal, seller terminal, and safe remittance server,
The safe remittance server,
Further comprising a timer module that receives the payment cost in the midst of transmission and receipt of money from the buyer terminal and the seller terminal and transfers the cost to the seller terminal according to the deposit setting time preset to the buyer terminal,
The safe remittance system,
In conjunction with the first financial sector server and the second financial sector server,
Inquiring the buyer's account or phone number, and when the balance of the account or phone number is less than the remittance cost entered in the buyer terminal, further comprising a loan module for transmitting loan product information to the buyer terminal,
The safe remittance system,
Further comprising a harmful blocking module for determining the harmfulness of the remittance information by receiving the remittance information transmitted and received through the buyer terminal, the seller terminal, and the safe remittance server,
The harmful blocking module,
In conjunction with the police server or data security company server, the hacking program or illegal user transmits records and records of access to the police server and data security company server through the manager server,
The safe remittance system,
Further comprising a fee collection module for adding a fee to the money transferred through the purchaser terminal,
The fee collection module,
Differentially charge a fee according to the set amount,
The commission generated according to the purchaser's terminal's remittance permission is remitted to the manager server,
The safe remittance server,
When the buyer terminal transfers money to the seller terminal,
Includes a receipt issuance module for issuing an electronic receipt for the money transferred,
The receipt issuance module,
If money transfer is permitted by the secure transfer server,
Sends an electronic receipt for the remitted money to the buyer's terminal,
The purchaser terminal that has received the electronic receipt,
Safe remittance system characterized by outputting the transmitted electronic receipt delete delete delete delete delete delete delete