KR20110071156A - Apparatus, server and method for providing financial service - Google Patents

Abstract

PURPOSE: A method and server for providing a financial service are provided to embody a convenient financial transaction by performing the transaction using a phone number instead of an account number. CONSTITUTION: A first financial server(100) manages an account of a remitter who accesses a financial network. A second financial server(130) manages an account of a receiver. An account integration management server(110) processes account related information of the remitter and the receiver by connecting the first and the second financial servers. An authentication processor(121) of a communication company server(120) processes the authentication toward the telephone number of receiver.

Description

Financial Transaction Service Apparatus, Server and Method for Providing Financial Service

Embodiments of the present invention relate to a financial transaction service apparatus, a server, and a method, and more particularly, to various financial transactions such as remittance or money transfer in ATMs, Internet banking, mobile banking, etc. The present invention relates to a financial transaction service apparatus, a server, and a method for allowing a remitter to transfer and transfer money by using a payee's telephone number instead of a payee's account number.

Generally, in financial transactions, transactions such as cash services, cash transfers, service transfers, etc., require the entry of essential information, such as the remitter's account password and the recipient's account number. Such information input is to be used as transaction authentication information as the bank holds certain personal information. At this time, the personal information is the information that the customer must provide when making a new transaction with the bank, and the information such as the customer's home address, company name, company address, home phone number, mobile phone number, company phone number, social security number, date of birth, etc. This is the case.

The information provided is stored in the financial institution's personal database, which is linked to the new account number issued and used for financial transactions between the customer and the financial institution, and based on the information in financial transactions between individuals. Will increase the accuracy.

In recent years, financial services such as wire transfers and wire transfers have been made through telebanking using a mobile phone and internet banking using the Internet. These services are also based on information stored in a personal database. Enter information such as the remittance amount and the recipient's account number. Information input through a mobile phone or the Internet is compared with information previously stored in the personal database of the financial institution, and the remitter's transaction history is searched to determine whether the remittance is possible. By retrieving the account information of the payee according to the determined result, the remittance is made along with the remittance check procedure through the information of the payee account number, the account holder, and the like.

Such a remittance method is highly utilized in that the remitter does not go directly to the bank, but can easily perform financial transactions using a communication system. Seems to be.

However, the existing remittance method was limited to financial transactions because the remitter can only conduct transactions with members who are subscribed to the bank.

In addition, since the remittance system using the communication network must know the remittance information, including the account number of the recipient, there was a lot of inconvenience in financial transactions because the procedure for collecting information, such as account number, from the recipient is cumbersome.

SUMMARY OF THE INVENTION An object of the present invention is to provide a financial transaction service apparatus, a server, and a method which can freely perform financial transactions with a recipient's telephone number known to a remitter during a financial transaction.

Financial transaction service apparatus according to an embodiment of the present invention includes a first financial server that manages the account for the transfer of the remitter connected to the financial network; A second financial server that manages an account of a payee in which the transfer of the remitter is made; An integrated account management server connected to the first financial server and the second financial server to process account related information of the remitter and account related information of the payee; And an authentication processing unit for accessing the account integration management server to process authentication for the telephone number of the payee, a receipt account information processing unit for requesting and processing the recipient's account transfer information, and the account related information of the payee, and the second. And a telecommunication company server including a data mining unit for accessing a financial server and processing information on the changed telephone number of the payee.

In addition, the financial transaction service server according to an embodiment of the present invention is an authentication processing unit for processing the information on whether or not to receive a request for authentication of the recipient's telephone number provided by the remitter wants to transfer to the financial network; Receiving account information processing unit for requesting whether the remitter according to the transfer of the remitter, and requesting and processing information related to the receivable account upon receipt of the receipt; A message processing unit for providing information on completion of remittance of the remitter and completion of receipt of the remittee, respectively to the remitter and the remittee; And a data mining unit for processing information regarding the changed telephone number in association with the recipient account when the telephone number of the payee is changed.

On the other hand, a transaction method using a financial transaction service apparatus according to an embodiment of the present invention includes the steps of a remitter wanting to transfer to the financial network to input at least the recipient's telephone number and the remittance amount and request authentication of the telephone number; Requesting a transfer by notifying the remitter of an authentication result of the requested recipient's telephone number; After approval of the transfer of the requested remitter, requesting the recipient to receive the payment and requesting the recipient's payment account related information when the receipt is approved; And receiving the requested receivable account related information to perform a transfer.

In addition, a transaction method using a financial transaction service server according to an embodiment of the present invention comprises the steps of: a sender requesting a transfer requesting authentication for a telephone number of a payee provided by accessing a financial network and processing information on whether or not authentication is performed; Requesting the recipient to receive the payment according to the transfer of the remitter, and requesting and processing information related to a receivable account upon approval of the receipt; And providing information on completion of remittance of the remitter and completion of remittance of the remittee to the remitter and the remittee, respectively.

As a result of the above configuration and method, the embodiment of the present invention can easily transfer or transfer funds to the recipient's desired account using the recipient's telephone number without having to know the recipient's account number or set up a virtual account, thus making financial transactions convenient. Done.

In addition, even when the recipient's telephone number is changed, the money transfer or transfer service may be utilized using the new telephone number regardless of the previous number.

Furthermore, in the use of remittance or transfer services, financial transactions are convenient because they can be used based on real accounts in the name of a person who is frequently used.

Hereinafter, exemplary embodiments of the present invention will be described in detail. In adding reference numerals to the elements of each drawing, it should be noted that the same elements may be denoted by the same reference numerals as much as possible because they may be displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

In addition, in describing the component of this invention, terms, such as 1st, 2nd, A, B, (a), (b), can be used. These terms are only for distinguishing the components from other components, and the nature, order or order of the components are not limited by the terms. If a component is described as being "connected", "coupled" or "connected" to another component, that component may be directly connected to or connected to that other component, but there may be another configuration between each component. It is to be understood that the elements may be "connected", "coupled" or "connected".

1 is a diagram showing a financial transaction service apparatus according to an embodiment of the present invention.

As shown in FIG. 1, a financial transaction service apparatus according to an embodiment of the present invention includes a first financial server 100 in which an account for a transfer of a remitter connected to a financial network is managed, and a remittee's account in which a transfer is made. Is connected to the second financial server 130, the first financial server 100 and the second financial server 130 is managed account integrated management server 110 to process the account information of the remitter and the account information of the recipient; , And the authentication processing unit 121 is connected to the integrated account management server 110 to process the authentication of the recipient's phone number, the recipient account information processing unit to request and process the recipient's account transfer information and the recipient's account related information 123 And a communication server server 120 including a data mining unit 127 connected to the second financial server 130 and processing information on the recipient's changed telephone number.

Here, the first financial server 100 represents, for example, the server of the financial institution in which the remitter's account is managed. The first financial server 100 includes a server of a financial company that manages a financial account, such as a first bank, a second bank, such as a savings bank, and a securities company, and is connected to the account integration management server 110. have. The first financial server 100 processes information provided through an ATM, information provided through wired Internet banking, and information provided through a mobile communication terminal such as a mobile phone. In this case, the information provided through a mobile communication terminal such as a mobile phone includes both phone banking and wireless internet banking. In this manner, the first financial server 100 is to perform the transfer or transfer of the transfer amount via the telephone number provided from the customer, that is, the remitter, preferably the mobile phone number. In other words, the remitter enters the recipient's telephone number and remittance amount at the time of ATM, Internet banking and phone banking to perform remittance and transfer.

In addition, the integrated account management server 110 may represent, for example, the server of the KFTC. The integrated account management server 110 is connected to the first financial server 100, the second financial server 130 and the communication company server 120, the first financial server 100 and the second financial server 130 In addition to storing and matching the account number and phone number of the financial transaction customers provided by the, even if a new customer input the phone number provided by the first financial server 100, and then in connection with the carrier server 120 The account-related information of the receiving directly from the recipient will be stored by matching the phone number and account information. Therefore, even if the remitter does not know the recipient's account number, the account management server 110 uses the data stored therein or newly stored data so that the remitter uses the recipient's phone number in the first financial server 100. Remittances and transfers can be made. In addition, the account integration management server 110 is provided with information about the transfer approval (or transfer execution) of the remitter from the first financial server 100, that is, a second financial company that is managing the recipient's account, that is, the second financial server The transfer may be completed at 130 and information about the transfer may be provided to the second financial server 130.

The communication company server 120 (or the financial transaction service server) may mean, for example, a mobile communication company server such as SK Telecom. The telecommunications company server 120 is connected to the account integration management server 110 and the second financial server 130 and work with each other, and request the authentication of the telephone number of the recipient provided by the account integration management server 110 Receive the authentication result is provided back to the integrated account management server (110). In addition, the telecommunication company server 120 agrees to the recipient of the remittance amount (Y / N) and / or transfer the account number (or use credit information) to the account integration management server 110 through the call back system (call back) Request whether or not, and upon receipt of the agreement request information related to the receiving account, the result is to be delivered directly to the account integration management server 110 at the same time as the official authentication (result). Here, the accredited certification process may be made through, for example, an accredited certificate previously stored in the recipient's mobile communication terminal. Then, the communication company server 120 notifies the sender that the transfer or transfer is completed when the transfer is completed and the recipient completes the transfer, and also informs the recipient that the transfer has been completed. Furthermore, when the telephone number of the payee is changed, the telecommunication company server 120 provides the related information to the corresponding bank in which the payee's account is managed, that is, the second financial server 130. Therefore, based on the above, the communication company server 120, the authentication processing unit 121 for processing the authentication-related information, the recipient account information processing unit 123 for processing the recipient account related information, the remitter and the recipient. It includes a message processing unit 125 for notifying that the remittance and receipt is completed and the data mining unit 127 to provide the second financial server 130 to update the information from time to time when the recipient's telephone number changes.

The second financial server 130 is a financial company server that manages an account of a payee registered as a member, and connects the business by connecting to the account integration management server 110 of the KFTC and the telecommunication company server 120 of the mobile communication company. Doing. The second financial server 130 is notified that the transfer is completed according to the transfer application of the remitter from the account integration management server 110, and receives the relevant information when the telephone number of the payee is changed through the communication company server 120 The previously stored information will be corrected.

Next, a service method using the above financial transaction service apparatus will be described in detail with reference to FIGS. 2 to 6.

FIG. 2 is a diagram illustrating a transfer and remittance process of the remitter of FIG. 1, FIG. 3 is a diagram illustrating an authentication process of FIG. 1, and FIG. 4 is a diagram illustrating a receipt account information process of FIG. 1. 5 is a diagram illustrating a message processing process of FIG. 1, and FIG. 6 is a diagram showing a data mining process of FIG. 1.

In the financial transaction service method according to an embodiment of the present invention, first, as shown in FIG. 2, a transfer or remittance process of a remitter is performed. The remitter is connected to the financial network of the first financial company to perform a financial transaction. In this case, the remitter may use the payee's telephone number and the mobile phone through a mobile banking terminal, such as a cash dispenser provided by the first financial institution, an internet banking using a computer located at home or an office, or a mobile phone owned by the customer. Input the remittance amount, the input related information is provided to the account integration management server 110 of the KFTC.

Subsequently, a customer authentication process is performed as shown in FIG. 3. For example, the KFTC requests the customer authentication to the telecommunication company server 120 through the account integration management server 110. In other words, the integrated account management server 110 is to request authentication from the telecommunications company server 120 with respect to whether the payee provided in the first financial server 100, that is, the telephone number of the payee and the payee. When the authentication is requested as described above, the telecommunication company server 120 provides the corresponding result to the account management server 110, the account management server 110 provides it to the first financial server 100 again. At this time, if the phone number of the payee provided by the sender does not match with the payee, the first financial server 100 may notify the sender and stop the transaction. The sender will be notified of this and will request a transfer. Therefore, when the remitter performs the transfer, the first financial company provides the information to the KFTC again. That is, the related information is transmitted from the first financial server 100 to the account management server 110.

Then, the receiving account information processing process is performed as shown in FIG. The telecommunication company server 120 transmits the result of the callee text to the recipient in order to receive the receipt information from the receiver and to confirm or reject the remitter. Following this step, additionally, the callback character may be transmitted, asking whether the recipient's account information is transferred to the account management server 110 or whether the user agrees to use the account information. At this time, the corresponding result is delivered to the integrated account management server 110, upon receipt of the approval and / or agreeing to transfer the account information receiving account information processing unit 123 of the communication server server 120 to enter the account information again After the request, the result of the authentication is passed to the financial settlement agency, that is, the account integration management server 110. In this case, if the customer has previously traded information, the telecommunication company server 120 informs the bank and the account number and requests whether the transfer is to the corresponding account or to another account. In other words, in the case of the payee who pays the mobile phone fee periodically through the bank transfer, the payment account that is registered in the mobile carrier is basically displayed. Otherwise, in case of a new customer, the beneficiary selects the beneficiary bank, inputs the account number of the bank, and asks whether the related information may be stored in the server. Then, the related information is delivered to the integrated account management server 110. In this case, the recipient account information related to the recipient may be transmitted to the telecommunication company server 120 and then again to the account management server 110.

Thereafter, the account integration management server 110 provided with the relevant account information of the payee completes the payment for the amount of money when the remitter performs the transfer and provides the related information to the second financial server 130.

As described above, when the transfer is finally completed, as shown in FIG. 5, the communication company server 120 transmits the remittance completion message and the receipt completion message to the remitter and the receiver through the message processing unit 125, respectively. In the case of a mobile phone, it is preferable to send a text message.

In addition, as shown in FIG. 6, the communication company server 120 performs a data mining process through the data mining unit 127. In other words, when the recipient's telephone number is changed, the changed information is provided to the second financial server 130. As a result, even if there is a change in the telephone number of the payee, the sender can smoothly transfer money to the payee's account using only the payee's phone number.

7 is a diagram illustrating a financial transaction process and a related screen of a remitter of FIG. 1.

As shown in FIG. 7, the remitter inputs the recipient's telephone number and the remittance amount through an ATM, Internet banking or mobile banking of the financial institution of the first financial company, preferably the first financial company with which he or she transacts (S700). .

At this time, the remitter's remittance amount and phone number are provided to the KFTC's account management server, and the account integration management server requests the carrier's telecommunications company's server to verify whether the phone number is re-entered and the result It is provided (S702a) and transmitted to the first financial company, that is, the first financial server. This, of course, does not correspond to the screen that the sender can visually see through the display.

After that, the remitter checks the recipient information, that is, confirms the authentication result of whether the transfer is possible (S702). For example, such payee information may include information that announces the name and name of the payee and confirms that the above information is correct.

As a result of the check, if the information matches, the remitter executes the transfer and receives the remittance completed text message provided from the telecommunication company server after the transfer is finally completed (S704).

As a result of the check, if the information does not match, the remitter checks a failure message indicating that the remittance provided from the carrier server is impossible (S706).

If an error occurs in the above process, you will see an error message.

Here, the message can be interpreted in various ways. For example, when sending money using an ATM, the screen appears on the display of the ATM, and when the Internet is banked through a computer, the screen appears on the monitor. If so, it becomes a voice message. Further, when the mobile banking is a touch screen method, it corresponds to a screen appearing on the screen of the mobile device.

8 is a diagram illustrating a correspondence and a related screen of a recipient of FIG. 1. Substantially in this case, it is made through a personal portable terminal such as a mobile phone possessed by the recipient.

As shown in FIG. 8, the recipient receives a text message through a communication company server (S800a). At this time, the text message is a mobile phone number remittance service to the content that the sender wants to send a number and will be asked whether to approve or reject it.

According to this request, the recipient selects whether to approve the transfer (S800). This step may further request whether or not to agree to provide to the KFTC, for example, by using the recipient's credit information, that is, the account number, when the transfer is approved.

At this time, if the rejection will be informed to the sender about this information. As a result, the transfer of the remitter is not practical. In other words, if the payee refuses, the sender can verify that the payee refuses the transfer through the ATM, Internet or mobile device they are connected to.

If the addressee approves, the receiver receives a request for input of account information from the telecommunication company server and performs an information provision process (S802). This step may further include an accredited certification procedure, in which case the recipient will also carry out the process of providing the accredited certification results, which will be performed by an accredited certificate stored in the mobile terminal possessed by the recipient. Can be. Although the foregoing description has already been made, the telecommunications company will display a corresponding account if the customer has a transaction account for automatic transfer of the mobile communication fee, and then request whether the user wants to receive the remittance to the same account or select another account to receive the remittance. On the other hand, if a new customer or the like selects a beneficiary bank, enters an account number, and further requests a response to whether it is irrelevant to store the related information in the server of the telecommunication company.

In addition, the corresponding result is transmitted to the first financial server of the financial integration agency account management server and / or the first financial company is made a transfer (S802a).

This may be done separately, but if the payee's phone number is changed, the telecommunication company's telecommunications server should be informed to the second finance server of the second financial company in which the payee's account is managed to modify the phone number. (S802b).

After the transfer is completed, the payee is confirmed that the receipt of the remittance amount is completed from the carrier server (S804). For example, you can check this by text message.

In addition, the terms "comprise", "comprise" or "having" described in the specification mean that a corresponding component may be included unless otherwise stated, and thus, other components are excluded. It should be construed that it may further include other components. All terms, including technical and scientific terms, have the same meanings as commonly understood by one of ordinary skill in the art unless otherwise defined. Terms used generally, such as terms defined in a dictionary, should be interpreted to coincide with the contextual meaning of the related art, and shall not be interpreted in an ideal or excessively formal sense unless explicitly defined in the present invention.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are not intended to limit the technical idea of the present invention but to describe the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The protection scope of the present invention should be interpreted by the following claims, and all technical ideas within the equivalent scope should be interpreted as being included in the scope of the present invention.

An embodiment of the present invention is applied to a financial transaction service system, apparatus, and method that allows a remitter to transfer or transfer money to a recipient's phone number, thereby facilitating simple financial transactions, and when the recipient's phone number is changed, a changed phone number. Through financial transactions can be easily made, and financial transactions can be made conveniently because it is based on real accounts frequently used by remitters and recipients.

1 is a diagram showing a financial transaction service apparatus according to an embodiment of the present invention;

2 is a view showing a transfer and remittance process of the sender of FIG.

3 is a view showing an authentication process of FIG.

4 is a view showing a receiving account information processing process of FIG.

5 is a diagram illustrating a message processing process of FIG. 1;

6 is a diagram illustrating a data mining process of FIG. 1;

7 is a view showing the financial transaction process and the related screen of the sender of FIG.

FIG. 8 is a diagram illustrating a corresponding process of a payee of FIG. 1 and a related screen; FIG.

Claims (13)

A first financial server managing an account for transfer of a remitter accessing the financial network; A second financial server that manages an account of a payee in which the transfer of the remitter is made; An integrated account management server connected to the first and second financial servers to process account related information of the remitter and account related information of the payee; And An authentication processing unit for processing the authentication of the telephone number of the payee by accessing the account integration management server, a receipt account information processing unit for processing the request by the recipient and the account related information of the payee and the second financial server A service provider server including a data mining unit configured to access and process information about the changed telephone number of the payee and manage the information; Financial transaction service apparatus comprising a. The method of claim 1, Wherein the first financial server provides the account integration management server with information about the recipient's telephone number and the remittance amount provided by the remitter. The method of claim 1, The integrated account management server receives the result of the transfer approval request and the account related information requested by the receiving account information processing unit and provides it to the first financial server, And the first financial server provides the remitter with the result of the transfer approval. The method of claim 1, The communication company server further includes a message processing unit, And the message processing unit provides a message about completion of the transfer to the remitter and the recipient after completion of the transfer from the account integration management server to the second financial server. The method of claim 1, The financial network is a financial transaction service device, characterized in that at least one of the banking, Internet banking, mobile banking using an ATM. An authentication processing unit for requesting authentication of the recipient's telephone number provided by a remitter who wants to transfer or transfer money to the financial network and processes information on whether or not to be authenticated; Receiving account information processing unit for requesting whether the remitter according to the transfer of the remitter, and requesting and processing information related to the receivable account upon receipt of the receipt; A message processing unit for providing information on completion of remittance of the remitter and completion of receipt of the remittee, respectively to the remitter and the remittee; And When changing the payee's phone number, the data mining unit for processing information about the changed phone number in relation to the payee account of the payee A financial transaction service server, comprising: a. The method of claim 6, The authentication processing unit is connected to the integrated account management server to process information on whether or not authentication, The integrated account management server is connected to the first financial server for managing the remitter's account and the second financial server for managing the recipient's account, the financial transaction service server, characterized in that the integrated management of the account. The method of claim 7, wherein Information on whether the recipient is requested by the recipient account information processing unit and the recipient account related information of the remitter is provided to the account management server, The integrated account management server, the financial transaction service server, characterized in that to provide the first financial server with information about the receipt of the recipient. The method of claim 7, wherein The integrated account management server is a financial transaction service server, characterized in that the remitter is provided with information about the recipient's telephone number and the transfer amount provided by accessing the first financial server from the first financial server. The method of claim 7, wherein The result of the authentication or not is provided to the first financial server via the account management server, the financial transaction service server, characterized in that for determining whether or not the transfer in accordance with the result. A remitter who wishes to transfer money, accesses the financial network, inputs at least the recipient's telephone number and the remittance amount and requests authentication of the telephone number; Requesting a transfer by notifying the remitter of an authentication result of the requested recipient's telephone number; After approval of the transfer of the requested remitter, requesting the recipient to receive the payment and requesting the recipient's payment account related information when the receipt is approved; And Performing the transfer by receiving the requested receivable account related information; Transaction method using a financial transaction service device comprising a. A step of processing information on whether or not the remitter who wants to transfer is requested for the telephone number of the payee provided by accessing the financial network; Requesting the recipient to receive the payment according to the transfer of the remitter, and requesting and processing information related to a receivable account upon approval of the receipt; And Providing information on completion of the remitter's remittance and the remittee's receipt upon completion of the remittee's receipt; Transaction method using a financial transaction service server, characterized in that it comprises a. The method of claim 12, The transaction method using the financial transaction service apparatus may further include processing information regarding the changed telephone number in association with the recipient account when the telephone number of the payee is changed. Transaction method used.

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