KR20140069519A - Bank server for performing crime suspicion mode and method thereof - Google Patents

Bank server for performing crime suspicion mode and method thereof Download PDF

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Publication number
KR20140069519A
KR20140069519A KR1020120136864A KR20120136864A KR20140069519A KR 20140069519 A KR20140069519 A KR 20140069519A KR 1020120136864 A KR1020120136864 A KR 1020120136864A KR 20120136864 A KR20120136864 A KR 20120136864A KR 20140069519 A KR20140069519 A KR 20140069519A
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South Korea
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crime
password
account
customer terminal
account number
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KR1020120136864A
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Korean (ko)
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최대영
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중소기업은행
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services
    • G06Q50/265—Personal security, identity or safety

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
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  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
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  • Tourism & Hospitality (AREA)
  • Computer Security & Cryptography (AREA)
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  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Primary Health Care (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a bank server a method thereof which, when an electronic bank work is requested from a customer terminal and a preregistered password for preventing a crime is transmitted to a bank server, recognize a crime probability of the bank work and perform a crime suspicion mode based on the crime probability. The bank server comprises a registration processing unit which receives an account transfer request including a sender account number, a password, a receiver name, and a receiver account number from the customer terminal to register the account transfer request; a control unit which checks whether the received password matches with a preregistered crime prevention (CP) password, and performs the crime suspicion mode for the account transfer request, when the received password matches with the CP password; and a database which stores customer information corresponding to the account number and the CP password associated with the account number.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial server and a method for executing a crime pseudo mode,

The present invention relates to a financial server and a method for executing a crime mode, and more particularly, when a password registered in advance for crime prevention is transmitted to a bank server at the time of requesting an electronic financial transaction from a customer terminal, The present invention relates to a financial server and a method for executing a crime mode by suspicion of possibility of crime of a crime.

If a financial transaction customer is confiscated, detained or kidnapped by a criminal, his / her mobile terminal is confiscated from the criminal and his password is leaked from his / her account, the criminal confiscates the victim's mobile terminal and uses phone banking or smart banking Transfer to a criminal account. In this case, the bank transfers the funds to the receiving account of the criminal without knowing the criminal situation at all. Later criminals can withdraw money from the receiving account and escape.

SUMMARY OF THE INVENTION The present invention has been made to overcome the above problems, and it is an object of the present invention to provide a banking server that executes a crime doctor mode to report a criminal situation, And to provide a financial server and a method for executing a crime pseudo mode to prevent damage.

To this end, according to a first aspect of the present invention, a financial server for executing a crime pseudo mode according to the present invention receives a money transfer application containing an account number, a password, a payee name, and a payee account number from a customer terminal, A receipt processing unit for accepting the transfer and checking whether the received password coincides with a non-registered crime prevention (CP) password, and if the received password matches the CP password, And a database unit for storing the crime prevention password associated with the account number and the customer information corresponding to the account number.

The crime pseudo mode instructs the remittee to stop the payment of the crime, and notifies the customer terminal of the completion of the normal transfer process.

The crime pseudo mode requests the location information of the customer terminal to the customer terminal and transmits the location information to the crime prevention server when the location information is received and transmits a crime notification message including the customer information stored in the database and the recipient name And transmits the generated data.

And the financial server notifies the crime prevention server of this fact when a cash withdrawal request is received from the remittee account whose payment is stopped.

According to a second aspect of the present invention, there is provided a method for executing a crime pseudo mode according to the present invention, the method comprising: receiving a bank account, receiving a bank account number, a password, and a remitter account number from a customer terminal; Checking whether the password received by the financial server matches the pre-stored password for crime prevention, and executing the crime pseudo mode by the financial server if the password matches, The customer information corresponding to the account number and the payee information corresponding to the payee account number are extracted from the database unit and a crime including the extracted customer information and payee information is transmitted to the payee account, And transmits the generated crime pseudo notification message to the crime prevention server. When the location information of the customer terminal is received, the crime pseudo notification message is transmitted to the method server.

The crime pseudo mode is characterized in that it notifies the crime prevention server of this fact when a cash withdrawal request is received from the remittee account whose payment is stopped.

According to the present invention, when the password for crime prevention is input to the bank server at the time of transferring the online account, the crime is simulated by executing the crime mode, and the criminal is not informed of the crime, .

1 is a diagram illustrating a financial system using a double password according to an embodiment of the present invention.
2 is a detailed configuration diagram of a customer terminal according to an embodiment of the present invention.
3 is a detailed configuration diagram of a financial server according to an embodiment of the present invention.
4 is a flowchart illustrating a method for executing a crime pseudo mode according to an embodiment of the present invention.

When a password for crime prevention is inputted at a mobile terminal such as a smart phone, it is shown that the mobile terminal executing the account transfer normally transfers the location information of the terminal transmitting the crime prevention password. However, And the crime prevention server receives the crime report. In addition, a transfer stop order is issued to the transfer account transferred through the password for crime prevention to prevent the secondary damage caused by the crime.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

FIG. 1 is a diagram illustrating a financial security system using a double password according to an embodiment of the present invention. Referring to FIG.

As shown in FIG. 1, a banking system using a double password includes a security server 300 connected to a customer terminal 100, a bank server 200, and a bank server 200.

The customer terminal 100 is a terminal capable of electronic financial transaction. In other words, the system connects with the financial server 200 through a communication network to perform financial transactions on-line and off-line. In addition, the customer terminal 100 is a terminal capable of detecting its own position and transmitting position information.

The customer terminal 100 may include a terminal capable of Internet banking through the Internet, a terminal capable of performing phone banking through a telephone network, a terminal capable of smart banking through a mobile communication network or the Internet, WiFi, or the like. For example, a PC, a notebook, a tablet PC, a wired / wireless telephone, a mobile phone, a smart phone, and the like. When the customer terminal 100 is a PC, a notebook PC, a tablet PC, or the like, it may include an application 100a or a web page capable of Internet banking.

In particular, a password is required when the customer terminal 100 requests account transfer by inputting its account number and transfer account number through the financial application 100a. At this time, if the password for crime prevention stored in advance linked with the account number is input, the location information of the user is transmitted to the financial server 200 together. At this time, location information can be obtained by using LBS, GPS, and the like.

Here, the communication network may be a mobile communication network of various generations such as 2G, 3G, 4G, WiBro, WiMax, and LTE, a local area network such as a WLAN, Wi- , Or proximity or near-field communication networks such as RFID and NFC (Near Field Communication).

The financial server 200 provides the financial application 100a at the request of the customer terminal 100 and provides the electronic financial service to the customer terminal 100 through the financial application 100a.

The financial server 200 receives the account transfer request from the customer terminal 100, and transfers the account transfer through the authentication procedure. In order to perform the account transfer, the financial server 200 receives the account number of the customer, the password associated with the account number, and the remittee account number from the customer terminal 100. At this time, if the password associated with the account number is the password for crime prevention, the transaction is regarded as a request from the criminal, the possibility of crime is reported to the associated crime prevention server 300, Customer information including the pre-stored customer name and resident registration number, and remitter address information including the payee name. In addition, the normal remittance process is notified to the customer terminal 100, but the remittance remittance account is suspended only in the inside of the account, and when the criminal is withdrawn from the ATM or bank window at the remittance receiver side, ) Immediately.

The security server 300 associated with the financial server 200 receives the location information of the customer terminal 100, the customer information, and the remittee information from the financial server 200 and receives the report of the crime.

The customer terminal 100 and the financial server 200 for implementing this can be specifically configured as follows.

2 is a detailed configuration diagram of a customer terminal according to an embodiment of the present invention.

The financial application of the customer terminal 100 according to the embodiment of the present invention executes the step of receiving the financial service that requires the face-to-face verification service to the customer terminal 100. [ These financial applications are stored and managed in the financial server 200. The financial server 200 transmits the financial application to the customer terminal when a request is made from the customer terminal 100. The customer terminal 100 downloads and installs an application and executes a financial application.

To this end, the customer terminal 100 includes an application driving module 120, an electronic financial service providing module 140, a location information providing module 160, and the like.

The application driving module 120 controls the operation of a financial application such as execution and termination of an installed financial application, interworking of related web pages, data transmission / reception through an application, and the like.

The electronic financial service provision module 140 provides the electronic financial transaction through the financial application being executed through the application driving module 110. [ Electronic financial transactions include general electronic financial services such as transfer transactions, example / deposit subscription and termination transactions, automatic transfer transactions, and loan transactions. When the password registered in advance as the password for crime prevention is inputted in the electronic financial transaction, the location information is received from the location information providing module 160 and the location information is transmitted together with the password transmission.

The location information providing module 160 acquires information on the location of the customer terminal through the financial application running through the application driving module 120, And provides the electronic financial service providing module 140 with the location information of its own location at the request of the service providing module 140. The location information providing module 160 can acquire information on its location through a global positioning system (GPS) or a location based service (LBS).

3 is a detailed configuration diagram of a financial server according to an embodiment of the present invention.

3, the financial server 200 includes a reception processing unit 220, an authentication unit 240, a control unit 260, and a database unit 280. As shown in FIG.

The acceptance processing unit 220 receives the account transfer application containing the account number, the password, the payee name, and the payee account number from the customer terminal 100 and confirms whether there is a place where the essential items are missing in the account transfer application form, If you do not have a bank account, you can apply for a bank transfer.

The authentication unit 240 authenticates the user of the customer terminal 100. Receives authentication information from the customer terminal (100) to perform user authentication, confirms whether or not the authentication information matches the previously stored authentication information, and performs authentication. Generally, an authorized certificate is used as authentication information, but the present invention is not limited thereto.

The control unit 260 checks whether the password received from the customer terminal 100 matches the unregistered crime prevention (CP) password, and if the received password matches the CP password, Run Crime Doctors mode.

The crime mode is a mode in which, when a password for crime prevention is received in the electronic financial service, the crime is regarded as a suspicious activity and a series of processes are carried out. In the series of processes, And transmits the crime notification message to the crime prevention server. The crime notification message includes the customer information stored in the database unit 280 and the receiver name. The location information of the customer terminal is requested to the customer terminal, and the location information is transmitted to the security server 300 when the location information is received.

The database unit 260 stores the customer information corresponding to the account number and the crime prevention password associated with the account number.

Table 1 shows an example of an account information table for each customer stored in the database unit 260.

Account Number password Crime prevention password 123 2204 1127
456 4416

As such, the crime prevention password can be used as a single number regardless of the number of accounts for each customer. For example, even if one customer has two account numbers, the password required for normal banking is set for each account number, but the crime prevention password is used for the same number for both accounts.

Referring to Table 1, when the customer requests the transfer from the account 123 to another account and inputs the password 1127, the financial server 200 judges that the transfer request is a crime and executes the crime mode.

4 is a flowchart illustrating a method for a financial server to execute a crime pseudo mode according to an embodiment of the present invention.

As shown in FIG. 4, the financial server receives the account number, the password, and the payee account number from the customer terminal and accepts the account transfer application (S100).

The user authentication is performed before executing the account transfer (S110). To authenticate the user, the user receives the certificate or the authentication number from the user and checks the stored data against the stored data.

Next, the password received is checked against the previously stored password for the account transfer (S120).

If the received password corresponds to the normal password of the account, the transfer process is normally performed (S130). When the normal transfer processing is completed, the client terminal is notified that the transfer processing is completed.

If the received password corresponds to the normal password of the account, the transfer process is normally performed.

If the received password is inconsistent with any previously stored password, the transfer process fails (S140) and the customer terminal is notified of the transfer stop notice.

If the received password corresponds to the crime prevention password of the account, the crime pseudo mode is executed (S150).

The customer terminal is notified that the transfer processing has been completed (S160). This makes the criminal not aware that the crime mode has been implemented.

The crime mode is as follows.

First, the financial server requests location information of the customer terminal from the customer terminal.

Next, a payment stop command is issued to the remittee account. At this time, if the remitter account is all accounts, a payment stop command is issued to all the accounts. Also, it is desirable to prevent the escape of criminals by making it impossible to check whether a payment stop order is issued to the account when the recipient confirms the recipient account by smart banking or phone banking.

A crime notice notification message security server generated by generating a crime notification message including customer information corresponding to the account number and payee information corresponding to the remittee account number extracted from the database and containing extracted customer information and remittee information, Lt; / RTI >

And transmits the location information to the method server when the location information of the customer terminal is received.

And notifies the crime prevention server of this fact when the cash withdrawal request is received from the remittance-canceled account. In addition, when there is a CCTV in the place of withdrawing cash, the photographed image can be transmitted to the crime prevention server. Since the remittance account is a suspended account, the criminal can not be withdrawn, and the longer the time to stay on the spot, the higher the likelihood that a police officer will catch a criminal.

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: Customer terminal
200: financial server
220: reception processor
240:
260:
280:
300: Security server

Claims (7)

A receipt processing unit for receiving the account transfer application including the account number, the password, the payee name, and the payee account number from the customer terminal and accepting the account transfer;
(CR) countermeasures against the possibility of a crime when the received password matches the CP password, and a suspicion of a crime (suspicion of a crime) ) Mode;
A database unit storing the customer information corresponding to the account number and the crime prevention password associated with the account number
A financial server executing a crime pseudo mode. The method according to claim 1,
Wherein the crime pseudo mode instructs the remittee to stop the payment of the crime, and notifies the customer terminal of the completion of the normal transfer process. 3. The method of claim 2,
The crime pseudo mode requests the location information of the customer terminal to the customer terminal and transmits the location information to the crime prevention server when the location information is received and transmits a crime notification message including the customer information stored in the database and the recipient name And transmits the generated information to the financial server. 3. The method of claim 2,
And the financial server notifies the crime prevention server of this fact when the cash withdrawal request is received from the remittee account whose payment is stopped. Receiving a bank transfer from a financial server by receiving an account number, a password, and a payee account number from a customer terminal;
Checking whether the password received by the financial server matches the pre-stored password for preventing crime, and executing the crime pseudo mode by suspicion of possibility of crime against the account transfer
Lt; / RTI >
The crime mode
Requesting the customer terminal for location information of the customer terminal,
A payment stop command is issued to the remittee account, and the client terminal is notified of the completion of the normal transfer processing. 6. The method of claim 5,
The crime mode
A crime doctor who generates a criminal notification message including the customer information corresponding to the account number and the payee information corresponding to the payee account number extracted from the database and including the extracted customer information and payee information, Transmits a notification message to the security server,
When the location information of the customer terminal is received, the location information is transmitted to the method server
The method comprising the steps < RTI ID = 0.0 > of: < / RTI > 6. The method of claim 5,
Wherein the crime pseudo mode is to notify the crime prevention server of the fact when a cash withdrawal request is received from the remittee account whose payment is stopped.

KR1020120136864A 2012-11-29 2012-11-29 Bank server for performing crime suspicion mode and method thereof KR20140069519A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017043885A1 (en) * 2015-09-09 2017-03-16 주식회사 피노텍 Financial service providing method and system through mobile non-face-to-facereal name verification
KR101952643B1 (en) 2017-10-26 2019-02-27 주식회사 보리로푸드시스템 Preparation method of grain noodle

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017043885A1 (en) * 2015-09-09 2017-03-16 주식회사 피노텍 Financial service providing method and system through mobile non-face-to-facereal name verification
KR101952643B1 (en) 2017-10-26 2019-02-27 주식회사 보리로푸드시스템 Preparation method of grain noodle

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