KR20020069616A - A security system for financial trade and a method of the same - Google Patents

Abstract

PURPOSE: A system and a method for protecting the financial transaction are provided to perform the financial transaction by inputting the ID signal and to enable a user to automatically know the transaction detail without a separate confirmation work. CONSTITUTION: A main computing system(20) manages the transaction of a financial organization. A security account system(40) protects the transaction by connecting to the main computing system. A communication server system(10) requests the ID signal to an establisher establishing the account to the financial organization by connecting to the security account system. A user client system(30) receives the request of the ID signal and transmits the ID signal to the communication server system. A client system(50) of the financial organization carries out the financial transaction by connecting to the main computing system. The main computing system has a customer database(25) storing the information of the person carrying out the financial transaction and the detail information of the financial transaction, and progresses the general financial transaction procedure in order to carry out the financial transaction through the on or off-line.

Description

Financial transaction protection system and method {A SECURITY SYSTEM FOR FINANCIAL TRADE AND A METHOD OF THE SAME}

The present invention relates to a system and method for determining whether a transaction is true during a financial transaction. In more detail, in a financial transaction such as deposit and withdrawal, a card transaction, and when a transaction is requested, the user uses ARS, SMS, etc. The present invention relates to a financial transaction protection system and a method for authenticating a transaction party and a transaction amount by requesting a signal confirming that the transaction is a legitimate transaction with a personal communication device such as a mobile communication terminal.

In general, when a financial institution conducts a financial transaction, the financial institution may perform a financial transaction after verifying the identity using a password or a seal to verify the identity. However, to verify yourself in this way, if the agent, not the person, conducts a financial transaction, the agent may receive a bankbook, password, seal, etc. from the person in advance, and use it for the financial transaction. There is no difference between and agents. Therefore, when an agent acts on behalf of a financial transaction, a close relationship of trust between the person and the agent is required. However, in the case of corporate activities such as companies, the amount of funds is large when financial transactions are made, and the accounting personnel of the company trade on behalf of them. In these business activities, the accounting agent represents the company, so there is often a lack of close trust between the agent and the person. Therefore, the agent can use the company's funds usefully, financial accidents may occur, and the company may cause damages. In addition, you may lose your passbook, seal, etc., and use it to damage others.

When the deposit is deposited, the person or his / her agent may deposit the money directly, and another person may deposit the bank account without deposit. If you or your agent make a deposit, you do not need to confirm the deposit, but if you are depositing through a bankbook, you need to check the depositor and the amount of the deposit to verify that the deposit has been made correctly. Therefore, in order to check the details of deposit and withdrawal, it is necessary to search the deposit and withdrawal history by separate wired and wireless data communication. This should be inquired from time to time, and the inconvenience caused by a lot of trouble when accessing the existing inquiry system.

Therefore, an object of the present invention was created to solve the problems of the prior art, and it is necessary to have a user's identity signal input at the time of financial transactions to make a financial transaction.

Another object of the present invention is to automatically know the transaction history without a separate confirmation work.

In order to achieve the above object, in the financial transaction protection system of the present invention, a client system of a financial institution in which deposit and withdrawal transactions are made; Party identification means for identifying a party of a deposit and withdrawal transaction; Transaction processing means for processing deposit and withdrawal transactions; Communication means for transmitting a transaction confirmation signal to the identified party; And a user client system configured to be connected to the communication means via a wired or wireless connection to transmit / receive the communication means, and further comprising the step of requesting a withdrawal transaction in the financial transaction protection method of the present invention. ; Identifying the parties to the withdrawal transaction; Transmitting a transaction confirmation signal to the identified party; Transmitting the authentication signal according to the transaction confirmation signal; And when receiving the transmitted authentication signal provides a financial transaction protection method characterized in that consisting of the steps of closing the withdrawal transaction. In addition, the step of requesting a deposit transaction in the financial transaction protection method of the present invention; Identifying the parties to the deposit transaction; Transmitting a transaction confirmation signal to the identified party; And it provides a financial transaction protection method characterized in that consisting of the steps of the deposit transaction is completed.

The present invention will be more clearly understood from the following description, in comparison with the prior art, with reference to the accompanying drawings.

1 is a structural diagram of a deposit and withdrawal transaction protection system of the present invention.

2 is a flowchart illustrating a protection method at the time of withdrawal in the financial transaction protection method according to the present invention.

3 and 4 are flowcharts illustrating a protection method at the time of deposit in the financial transaction protection method according to the present invention.

Explanation of symbols on the main parts of the drawings

10: communication server system 20: main computer system

25: customer database 30: user client system

40: Safety Account System 45: Safety Account Database

50: Financial Account Client System

1 is a structural diagram of a deposit and withdrawal transaction protection system of the present invention. Referring to Figure 1, the main computer system 20 for managing transactions of financial institutions, connected to the main computer system 20 is connected to the safety account system 40, the safety account system 40 to serve as a transaction protection The communication server system 10 requesting the identity verification signal to the establisher who has opened an account at a financial institution and the developer receives the request of the identity verification signal, and also transmits the identity verification signal to the communication server system 10. It is composed of a client system 50 of a financial institution that is connected to the user client system 30, the main computer system 20 to perform financial transactions such as deposit and withdrawal.

The main computer system 20 is a computer system of a financial institution such as a bank or a credit card company. The customer database includes information (bank account numbers, card numbers, balances, etc.) and financial transaction details of those who make financial transactions (25). ) And proceeds with the general financial transaction procedure to perform financial transactions online or offline, and connects to the safety account system 40 so that the user can use the safety account service. The security account service is a protection system provided to the user in the financial transaction protection system of the present invention. When a user registers a safety account with a financial institution by receiving a number, a password for authenticating a user, and the like, the account number of the user, the number of the user client system 30, and the password are matched in the safety account system 40 to secure the account. When the user registers in the secure account database 45 of the system 40 and the user requests a financial transaction such as deposit and withdrawal using his / her account number, the user's account number, the user's client system number, and the password match each other. When the user requests a financial transaction using the safe account service, the safe account system (40) In connection with the number of the user client system 30 that matches the user's account number in the) and transmits an identity signal to the user, the user receives the identity signal through the user client system 30, and also, A financial institution is recognized by a financial institution by sending a user authentication signal using the user client system 30, and the financial transaction history is transmitted to the user so that the user immediately performs a financial transaction at the time of a financial transaction without a separate confirmation procedure. Make sure the details are known. The security account service can be used by the user upon request from a financial institution.

The safety account system 40 is a means for allowing a user to use a safety account service, which is connected to the main computer system 20 so that the withdrawal signal of the account is sent to the main computer system 20 via the safe account server system 40. To be transmitted. In addition, the safety account system 40 has a safety account database 45 having user information for requesting a security account service. The user information has information about the user client system 30 such as the user's mobile communication terminal, so that when the user who requests the security account service requests the financial transaction, the communication server system 10 is used by using the information of the safety account database 45. ) To send the authentication signal to the user.

The communication server system 10 is a means for enabling wired or wireless communication to the user client system 30. The communication server system 10 is connected to the user client system 30 via wired or wireless connection to the safety account server system 40 to establish an account with the user. The system 30 enables the confirmation of financial transactions using wired or wireless communication. For example, when an opener who opens an account with a bank or a representative of the opener requests money withdrawal, the bank inputs a withdrawal request fact in the main computer system 20, and the main computer system 20 provides a safety account system 40. The ARS or SMS requests a user authentication signal to the user client system 30 of the account setter for the withdrawal request through the communication server system 10 connected with the communication server system 10. In addition, by receiving the identity verification signal transmitted from the establisher to the security account server system 40 to be withdrawn. In addition, when money is deposited into the account opened by the establisher, the communication server system 10 transmits a deposit signal to the establisher's user client system 30 to provide the establisher with information about the deposit amount and the depositor, so that the establisher separately sets his / her own account. You can know the depositor and the deposit amount immediately after the deposit without searching the bank account.

The client system 50 of a financial institution is a means for allowing a user to make a financial transaction at a place where the user makes a financial transaction. There are an ATM terminal and a terminal for recognizing a card and transmitting a transaction.

Referring to the operation of the financial protection transaction protection system according to the present invention in more detail as follows. A user who wants to use a safe account service visits a financial institution such as a bank, records the account number opened in his or her financial institution, the number of personal communication means such as a mobile communication terminal, and a password to use the safe account service. You can apply to a financial institution. In addition, a method of withdrawing or depositing money using a safety account service is shown in FIGS. 2, 3, and 4.

2 is a flowchart illustrating a protection method at the time of withdrawal in the financial transaction protection method according to the present invention. Referring to Figure 2,

First step 100: A person who wants to withdraw money using a client system 50 of a financial institution, such as a branch of a bank, an ATM terminal, a card merchant, requests withdrawal of funds. The withdrawal of funds includes the case of withdrawing cash from a branch of a bank, an ATM terminal, or the like, and the case of purchasing goods using a card at a card merchant.

Second step 110: If there is a request for withdrawal of funds, it is determined whether the user who wants to withdraw from the safety account system 40 connected with the main computer system 20 is a user who uses the safety account service.

Third step 115: If the user does not use the security account service, using the customer database 25 of the main computer system 20 to withdraw money if the appropriate withdrawal request using the user's balance, credit rating, etc., If it is not appropriate, you will not be able to withdraw it.

Fourth Step 120: If the user uses the safety account service, the number of the user client system 30 is determined by using the information of the safety account database 45 of the safety account system 40, and the identified user client system is identified. In step 30, the communication server system 10 requests an identification signal for identity authentication using SMS, ARS, and the like. As a method of authenticating by using SMS, when the communication server system 10 requests a user identification signal using the SMS, the user transmits his / her password using the SMS or the communication server system 10 ) Sends a confirmation to the user whether the party in a financial transaction, such as deposit or withdrawal, is in the form of a character of "yes" or "no", if the user is correct, press the number of the terminal in the "yes" position, or , At the "No" position, press the button. In addition, by using ARS to authenticate yourself, the communication server system uses ARS to connect to a user's mobile communication device such as a user's mobile communication device and requests to press a user's password, or "1" if the user is correct. Otherwise, press "2" to send the identity signal to the communication server system.

Fifth Step 130: The security account system 40 determines whether a user identification signal is transmitted from the user to the communication server system 10. The password used in the case of using the user's account number and the safety account service is matched to the safety account database of the safety account system 40 so that the user can be authenticated by comparing the account number and the password. The identity verification signal is transmitted to the communication server system 10 through the user client system 30.

Sixth step 135: If the confirmation signal is transmitted through the user client system 30, the security account system 40 transfers the user's identity and the account number of the user to the calculation system 20.

The seventh step 140: In the main computer system 20, the customer database 25 allows the user to withdraw money using a user's balance, credit, and the like, and withdraws money if it is not.

Eighth step 150: If a user identification signal is not transmitted through the user client system 30, or a signal is received that is not the person, the safety account system 40 transmits a signal to the main computer system 20 It sends a signal that it did not, or that it is not you.

Step 9 (155): The main computer system 20 transmits a signal to the person who wants to withdraw the withdrawal signal.

3 is a flowchart illustrating a protection method when depositing in the financial transaction protection method according to the present invention. Referring to Figure 3,

First step 200: A depositor deposits money using a client system 50 of a financial institution, such as a branch of a bank, an ATM terminal, or a telebanking.

Second step 210: The depositor's deposit transaction data is transmitted from the depository to the safety account system 40. The deposit transaction data has information on the depositor, the deposit amount, the deposit time, the information of the user who opened the account (user's account number, etc.).

Third Step 220: When the deposit transaction data is transmitted to the safety account system 40, the safety account system 40 transmits the deposit transaction data to the main computer system 20 to deposit the deposit details in the main computer system 20. Make a deposit in the account you wish to deposit.

A fourth step 230; The security account system 40 deposits the communication server system 10 using the SMS, ARS, etc. to the client system 30 of the user who opened the account using the number of the user client system matched with the account number of the user. Send transaction data.

4 is a flowchart illustrating a protection method at the time of deposit in the financial transaction protection method according to the present invention. Referring to Figure 4,

First step 300: A depositor deposits money using a client system 50 of a financial institution, such as a branch of a bank, an ATM terminal, or a telebanking.

Second step 310: The depositor's deposit transaction data is transmitted from the depository to the main computer system 20. The deposit transaction data has information on the depositor, the deposit amount, the deposit time, the information of the user who opened the account (user's account number, etc.).

Third Step 320: When the deposit transaction data is transmitted to the main computer system 20, the main computer system 20 deposits the deposit details in an account that the depositor wishes to deposit. And the main computer system 20 transmits the deposit transaction data to the safety account system 40.

A fourth step 330; The security account system 40 uses the number of the user client system 30 that matches the account number of the user who opened the account using the communication server system 10 to deposit a transaction using SMS, ARS, etc. to the user. Send the data.

According to the financial transaction protection system and method thereof according to the present invention, since the transaction is completed when the user confirms his / her confirmation signal during the financial transaction, the transaction safety can be ensured and the confirmation signal is transmitted to the personal communication device. Because of this, it is possible to send a confirmation signal irrespective of the position of the person, thereby ensuring the speed of the transaction.

In addition, even when making a deposit, a deposit signal is immediately transmitted through a personal communication device, and thus no separate deposit confirmation procedure is required.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (11)

A client system of a financial institution where deposit and withdrawal transactions are made; A safety account system for identifying parties to the deposit and withdrawal transaction; A main computer system for processing the deposit and withdrawal transaction; Communication means for transmitting a transaction confirmation signal to the identified party; And A financial transaction protection system, comprising: a user client system connected to the communication means via a wired or wireless connection to transmit and receive the communication means. The method of claim 1, Client system of the financial institution is a financial transaction protection system, characterized in that the ATM. The method of claim 1, Client system of the financial institution is a financial transaction protection system, characterized in that the card reader. The method of claim 1, The client system of the financial institution is a financial transaction protection system, characterized in that the terminal of the financial institution. The method of claim 1, The security account system is a financial transaction protection system, characterized in that the user account, the user's password, the number of the personal communication means of the user is matched and recorded with a secure account database. The method of claim 1, The user client system is a financial transaction protection system, characterized in that the mobile communication terminal. The method of claim 1, And the communication means is ARS. The method of claim 1, The communication means is financial transaction protection system, characterized in that the SMS. Requesting a withdrawal transaction by a party making a financial transaction using his / her account number; Identifying the number of the user client system of the party and the password of the party that match the account number opened by a party requesting the withdrawal transaction to a financial institution; Transmitting a transaction confirmation signal to the identified client's user client system; Upon receipt of a transaction confirmation signal at the user client system of the party, transmitting the identity authentication signal, which is the password, using the user client system; And And receiving the withdrawal transaction signal, wherein the withdrawal transaction is completed. Requesting a deposit transaction by a party making a financial transaction using his / her account number; Approving the deposit transaction in a main computer system that processes the deposit transaction; Identifying the number of the user client system of the party, the password of the party in the secure account system in which the account number opened by the party requesting the deposit transaction, etc., the user client system of the party, the password of the party is matched step ; Transmitting the deposit transaction fact to the identified client's user client system; And And the step of confirming the deposit transaction fact by the party. Requesting a deposit transaction by a party making a financial transaction using his / her account number; Identifying the number of the user client system of the party, the password of the party in the secure account system in which the account number opened by the party requesting the deposit transaction, etc., the user client system of the party, the password of the party is matched step; Transmitting the deposit transaction fact to the identified client's user client system; Approving the deposit transaction in a main computer system that processes the deposit transaction; And And the step of confirming the deposit transaction fact by the party.