KR20180010036A - Fintech server and method of providing notary service for account transfer - Google Patents

Abstract

Disclosed is a method for notarizing that a transfer history is based on a borrowing transaction. The present invention discloses a FinTech server providing an automatic withdrawal service in cooperation with a transfer server providing a money transfer service. The FinTech server requests from the transfer server that a transfer amount which is requested transfer from a first trader be transferred to a deposit account of a second trader for lending transaction between the first trader and the second trader, and can notarize the lending transaction between the first trader and the second trader before transfer to the deposit account of the second trader.

Description

[0001] The present invention relates to a method of providing a notepad server and a notarized service,

Financial services, especially transfer services, are disclosed.

Korean Patent Registration No. 10-1436726 discloses a transfer processing apparatus and method in which two or more items can be entered in response to a transfer account at the time of account transfer. In addition, Korean Patent Registration No. 10-1489755 discloses a financial service method and system capable of remitting money to an account of a counterparty using a telephone number of a counterpart.

On the other hand, most of the money transactions without interpersonal borrowing also do not make a loan agreement or borrowing. This is because if you try to make an IOU while borrowing transactions between individuals, you will perceive them as if you do not trust them. In particular, most of the time when a borrowing transaction is made between a friend, a lover, and an acquaintance, the user does not make a charter.

Korean Patent Registration No. 10-1436726 (issued on September 1, 2014) Korean Patent Registration No. 10-1489755 (issued on February 12, 2015)

A method of notifying that the transfer history is based on a borrowing transaction is disclosed.

The PINTECH server, which provides an automatic withdrawal service in cooperation with a transfer server providing a money transfer service in accordance with one aspect, transfers money requested from the first trader to the second trader in order to make a money transfer transaction between the first trader and the second trader, It is possible to request the transfer server to transfer the money to the deposit account of the trader and to notify the consumption transaction transaction between the first trader and the second trader before the transfer to the deposit account of the second trader.

The PINTECH server may include a transfer notarization request receiving unit, a transfer notarization processing unit, and a transfer request unit. The transfer notarization request receiving unit may receive transfer notarization request information including the second transaction information and the transfer amount from the first transaction device. The transfer notarization processor generates and transmits the borrowing fact data to the second trader device using the received transfer notarization request information and receives and stores the borrowing agreement data on the borrowing fact from the second trader device, 2 It is possible to notarize the lending transaction between traders. The transfer request unit may request the transfer server to transfer the transfer amount to the transfer account of the second trader after the notarization is completed by the transfer notarization processing unit.

The transfer request unit may include a withdrawal request unit for requesting transfer of the transfer amount from the automatic withdrawal account of the first trader to the PIN tech family register and a deposit request unit for requesting transfer of the transfer amount from the PIN tech family register to the deposit account of the second trader .

The notarization request information may include at least one of the telephone number of the second trader and the deposit account, and the reimbursement date.

Borrowing facts data may include the transfer amount, the due date, the name of the first trader, and the name and account of the second trader.

The transfer notarization processing unit may voice the borrowing fact data to the second trader device using an automated response service (ARS), and may receive and store the borrowing agreement data from the second trader device.

The notarization processing unit requests input to the second trader device for a part of the borrowing fact data during the ARS and authenticates the input value of the second trader in accordance with the request, and when the authentication is successful, receives the borrowing agreement data from the second trader device .

The PINTECH server may further include a reimbursement notification unit informing the second trader device of the date of reimbursement when the reimbursement date arrives.

Meanwhile, a method of providing a notarized notification service of a PinTech server that provides an automatic withdrawal service in cooperation with a transfer server providing a money transfer service according to one aspect is a method of transferring a second transaction information from a first trader device to a deposit account of a second trader Receiving transfer notarization request information including a transfer amount to be transferred, generating borrowing fact data using the transfer notarization request information, transferring the borrowing fact data to the second trader device, transferring the borrowing fact information from the second trader device Billing transaction between the first trader and the second trader by receiving and storing the borrowing agreement data for the second trader and requesting the transfer server to transfer the transfer amount to the deposit account of the second trader after notarization .

According to the disclosure, it becomes possible to prove that the transfer history is in accordance with the borrowing transaction. This is enough to be used as evidence of legal liability for future defaults.

1 is a block diagram of a system for providing a notarial service according to an embodiment of the present invention.
2 is a block diagram of a PinTech server according to one embodiment.
3 is a flowchart illustrating a method of providing a notarial service according to an exemplary embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The foregoing and further aspects of the present invention will become more apparent from the following detailed description of preferred embodiments with reference to the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a system for providing a notarial service according to an embodiment of the present invention. As shown in FIG. 1, the system for providing a notary public service service may include a first trader device 100, a second trader device 200, a pin tech server 300, and a transfer server 400. However, the system for providing notary public notices does not necessarily include all of them, but may include only a part of them. For example, the notarized service providing system may include only the pin tech server 300, or may include the pin tech server 300 and the transfer server 400, It may be.

The first trader device 100 and the second trader device 200 are devices used by the first trader and the second trader, respectively, and are communication devices having communication and computing functions. Herein, the first trader and the second trader are parties to the consumer lending transaction. Hereinafter, for convenience of explanation, the first trader is interpreted as a lender of money and the second trader is interpreted as a lender of money. Communication devices used by the first trader and the second trader include a smart phone, a synchronous / asynchronous IMT-2000 (International Mobile Telecommunication-2000) capable of wireless communication, a personal digital assistant (PDA) A wireless application protocol phone (WAP phone), a notebook PC, a desktop PC, and a Palm personal computer.

The first trader device 100 may be provided with an application that can use the notarized service provided by the pin tech server 300. This application is a kind of Fintech app that allows users to transfer funds to their counterparts more easily than with traditional transfer methods. In addition to the simple transfer service, the PinTech app can additionally support the notarized service for the transfer details. After the first trader downloads the PINTECH APP to the first trader device 100 and installs it through the PINTECH app, the PIN trading company provides the transfer notarization service provided by the PINTECH server 300 through the PINTECH APP Can be used. It is needless to say that the second trader and the second trader device 200 can install the pin tech app and receive the service by being registered.

For reference, in the present specification, the notary public notation service is a service for verifying the content of a consumer lending transaction between a first trader and a second trader, that is, an amount transferred from a first trader to a second trader A service to prove that The term "notarization" is used throughout this specification to prove a consumer transaction between a first trader and a second trader. In this specification, the term "notarized" may be replaced by the term "proof" have.

The PINTECH server 300 is a server that can be operated by an electronic financial provider. The PINTECH server 300 basically provides an indirect transfer service utilizing an automatic withdrawal service. As is well known, the automatic withdrawal service is also referred to as a cash management service (CMS). When the PIN tech server 300 interlocks with the transfer server 400, To a bank account. Here, PinTech's parent account can be called a CMS account.

The PINTECH server 300 can provide the transfer service to the member by utilizing the automatic withdrawal service. Specifically, in response to the transfer request of the first transaction, the PINTECH server 300 interlocks with the transfer server 400, It is possible to transfer money from the automatic withdrawal account to the pin tech family account, and to transfer the money from the pin tech family account to the deposit account of the second trader. In addition, according to an aspect, the PIN tech server 300 requests the transfer server to transfer the transfer amount requested from the first trader to the transfer account of the second trader for the transaction of the loan between the first trader and the second trader , And can notify the consumer lending transaction between the first trader and the second trader before the transfer to the depositing account of the second trader.

The transfer server 400 may be a server operated by a financial institution such as a bank. The transfer server 400 provides a money transfer service. In addition, the transfer server 400 may provide an automatic withdrawal service in cooperation with the PINTECH server 300. The transfer server 400 can transfer money from the automatic withdrawal account of the first trader to the pin tech accountant according to the request of the pin tech server 300 and transfer money from the pin tech account to the deposit account of the second trader .

Meanwhile, a communication network may include a plurality of heterogeneous networks, and may support a plurality of communication protocols. For example, the communication network supports at least some of the communication protocols such as TCP / IP, IPX, SPX, NetBIOS, Ethernet, ARCNET, Fiber Distributed Date Interface (FDDI), IEEE 802.11, IEEE 802.11a, . For reference, the PIN tech server 300 and the transfer server 400 may be communicatively connected through a separate dedicated network.

2 is a block diagram of a PinTech server according to one embodiment. As shown in FIG. 2, the PinTech server includes a communication unit 310, a storage unit 320, and a control unit 330. The communication unit 310 is a communication module that connects to a communication network and transmits / receives signals to / from external communication devices. The storage unit 320 is a storage medium having a storage space for storing data, and there is no limitation on the type of storage medium. The storage unit 320 stores member information. The member information includes a member name and automatic withdrawal account information (account bank and account number) of the member. In addition, the member information may further include a telephone number. Further, the member information may further include unique identification information of a pin tech app installed in the communication device of the member. The control unit 330 may include hardware and an operating system including one or more processors.

2, the control unit 330 may include a transfer notarization request receiving unit 331, a transfer notarization processing unit 332, a transfer request unit 333, and further includes a reimbursement notification unit 334 can do. All of these configurations can be implemented in software. In one embodiment, the transfer notarization request receiving unit 331, the transfer notarization processing unit 332, and the transfer request unit 333 are for providing a transfer notarization service according to a transfer notarization request from the first transactional device 100 , And can operate in conjunction with the PinTech app running on the first trader device 100.

The transfer notarization request receiving unit 331 receives the transfer notarization request information from the first trader device 100. The transfer notarization request information is a message requesting notarization of the transfer fact along with a transfer request to transfer money from the account of the first trader to the account of the second trader. Such transfer notarization request information includes the transfer amount and information about the second trader. For example, the second trader information includes the account information of the second trader. As another example, the second trader information includes the telephone number of the second trader, and may further include a name. In addition, the transfer notarization request information may further include at least one of a reimbursement date and an interest rate for the transfer amount in addition to the second transaction information.

The transfer notarization processing unit 332 generates borrowing fact data using the transfer notarization request information. That is, it generates data related to the fact that the second trader borrows funds from the first trader. Here, generating the borrowing fact data using the transfer notarization requesting information by using the transfer notarization processing unit 332 does not mean that the borrowing fact data is generated using only transfer notarization request information. That is, it means that data already held by the notarization transfer server 400 can be added, or data that can be provided from outside can be added to generate borrowing fact data.

In one embodiment, the borrowing fact data includes the name of the first trader, the name and account information of the second trader (bank, account number), and the transfer amount (borrowing amount). In addition, the borrowing fact data may further include at least one of a payout date and an interest rate. The name of the first trader may be obtained from the member information stored in the storage unit 320. Information not existing in the transfer notarization request information among the name, telephone number, and account information of the second trader can be acquired from the storage unit 320 or the second trader device 200.

For example, when there is only the account information of the second trader in the second trader information of the transfer notarization request information, the transfer notarization processing unit 332 searches the storage unit 320 as the account information of the second trader, You can get your name and phone number. As another example, when there is only the telephone number of the second trader in the second trader information of the transfer notarization request information, the transfer notarization processing unit 332 searches the storage unit 320 to obtain the name and account information of the second trader . Of course, in the above examples, the second trader must be registered as a member in advance.

If the second trader is not registered as a member, information on the second trader can not be obtained from the storage unit 320. [ In this case, the transfer notarization request information may include both the name, the account information, and the telephone number of the second trader. Alternatively, the transfer notarization request information may include only the second trader's name, telephone number, or telephone number. In the latter case, the transfer notarization processing unit 332 uses the telephone number included in the transfer notarization request information to transfer the account information of the second trader to the second trader device 200 identified by the telephone number, or the account of the second trader Information and names can be obtained by requesting.

For example, the transfer notary processing unit 332 connects an automated response service (ARS) call to the second trader device 200 and receives account information from the second trader device 200. As another example, the transfer notarization processing section 332 transmits a URL link for receiving the account information to the second trader device 200, and receives the account information from the second trader device 200 connected via the URL link . In this way or other methods, the transfer notarization processing unit 332 can acquire the second transaction information from the second transaction device 200.

The transfer notarization processing unit 332 transmits the borrowing fact data to the second trader device 200 identified by the telephone number of the second trader and receives from the second trader device 200 the borrowing agreement data And thereby notifies the borrowing transaction between the first trader and the second trader. In one embodiment, the transfer notary processing unit 332 transmits the borrowing fact data to the second trader device 200 by voice using the ARS, receives the borrowing agreement data from the second trader device 200, Thereby notifying the borrowing transaction between the first trader and the second trader. This is explained in detail. The transfer notary processing unit 332 can generate borrowing fact data using the transfer notarization request information and the notarization data stored in advance in the storage unit 320. [ Here, the notarization data is as follows: "From A to B C 's account D, you lent E to F and interest G%. If you agree with the transaction, you may include a voice prompt such as "Please tell me in my voice" "I agree."

The transfer notarization processing unit 332 reflects at least a part of the transfer notarization request information to the above voice announcement to generate borrowing fact data. Of course, in addition to the transfer notarization request information, the information obtained as described above may also be reflected together to generate borrowing fact data. The name of the first trader in A, the name of the second trader in C, the name of the second trader in C, the account number in D, the transfer amount in E, the payment date in F, G reflects the interest rate. As a result, "Kim Chul-soo loaned 3 million won to Kim's account of Kookmin Bank with 524906009999 as interest and 2% until 2015.25.25. If you agree to the transaction fact, borrowing fact data such as "please agree" and "please speak with my voice" may be generated.

The transfer notarization processing unit 332 connects to the second trader device 200 through the ARS. In the ARS connection method, the notarized notification processor 332 can directly connect an ARS call to the second trader device 200, transmit a link for an ARS call to the second trader device 200 in a text message, The trader device 200 may connect the ARS call. When the second trader device 200 is ARS-connected, the transfer notarization processor 332 transfers the borrowing fact data to the second trader device 200, and receives a loan agreement "agree" from the second trader device 200 Upon receipt of the data, it is stored and processed as having been notarized. In other words, the transfer notarization processing unit 332 records and archives the ARS voice to complete the notarization. Upon receiving the "I agree" borrowing agreement data from the second trader device 200, the transfer notarization processor 332 "thanks to the second trader device 200". &Quot; It is possible to withdraw money after 30 minutes ". In addition, the transit notary processing unit 332 may back up the recording file, and may transfer the recording file to a server of a Trusted Third Party (TTP), which is a trusted authority of the third party. Of course, if the second trader disagrees, it is treated as abnormal.

In addition, the notarial notification processor 332 can request information input to the second trader in the notarization process using the ARS and verify the inputted information. In one embodiment, the transfer notarization processing section 332 requests the second trader to directly input part of the borrowing fact data before transferring all of the borrowing fact data to the second trader device 200, The value input from the second trader can be verified. For example, the transfer notarization processing unit 332 requests input of at least a part (for example, the last three digits of the account number) of the transfer account number to which transfer is to be received, And verifies whether the account numbers are the same. That is, it is possible to authenticate whether or not the second trader is a legitimate trader through the coincidence. If the authentication fails, the transfer notarization processing unit 332 treats it as abnormal.

When the notarization processing is completed by the transfer notarization processing unit 332, the transfer request unit 333 requests the transfer server 400 to transfer the transfer amount to the transfer account of the second trader. The transfer request unit 333 according to one aspect includes a withdraw request unit 333-1 and a deposit request unit 333-2. The withdrawal request unit 333-1 requests the transfer server 400 to transfer the transfer amount from the automatic withdrawal account of the first trader to the pin tech transaction account. Then, the deposit requesting unit 333-2 requests the transfer server 400 to transfer the transferred money amount from the PinTech transfer account to the deposit account of the second trader. The transfer requests of the withdrawal request unit 333-1 and the deposit request unit 333-2 can be performed separately without being constrained to each other. Alternatively, the deposit request unit 333-2 may request the withdrawal request unit 333-1 first from the transfer server 400, or vice versa.

On the other hand, the reimbursement notification unit 334 can notify the second trader device 200 of the arrival date when the reimbursement date included in the borrowing fact data arrives. For example, the reimbursement notification unit 334 informs the second trader device 200 of the arrival date before a predetermined date from the reimbursement date. In the notification method, the reimbursement notification unit 334 can use the ARS, SMS, or PUSH text notification method.

3 is a flowchart illustrating a method of providing a notarial service according to an exemplary embodiment of the present invention. The first trader accesses the transfer server 400 online using the PinTech app installed in the first trader device 100 to transfer money to the second trader. The first trader device 100 receives the transfer notarization request information from the first trader through the Pin Tech App (S100). The transfer notification request information may include the information of the second trader and the transfer amount. The first trader device 100 transmits the transfer notarization request information to the PIN tech server 300 (S150). The PIN tech server 300 receives the transfer notarization request information and generates borrowing fact data using the received transfer notarization request information (S200). The borrowing fact data may include the name of the first trader, the name and account information of the second trader (bank, account number), and the transfer amount (borrowing amount). As described above, the name of the first trader may be acquired in the storage unit 320 of the pin tech server 300, and some information of the second trader may be stored in the storage unit 320 of the pin tech server 300 May be obtained from the second trader device (200).

The pin tech server 300 communicates with the second trader device 200 (S250). In one embodiment, the PinTech server 300 and the second trader device 200 are connected by an ARS call. The PIN tech server 300 transmits the borrowing fact data to the second trader device 200 connected to the communication (S300). That is, it informs the fact that the second trader borrows money from the first trader and transmits the borrowing fact data to receive the agreement. When ARS is used, the borrowing fact data transmitted to the second trader device 200 is as follows: "Mr. Chul-soo Kim loaned 3 million won to Kookmin Bank's God account 524906009999 as 2% interest until 2016.25.25. If you agree with the transaction, please give me a voice like "I agree". The second trader device 200 receives the borrowing fact data and outputs it to the second trader, and the second trader confirms it and responds by voice. The second trader device 200 transmits the borrowing agreement data, which is the voice data of the second trader, to the pin tech server 300 (S350).

The PIN tech server 300 receives the borrowing agreement data from the second trader device 200 and analyzes it to determine whether the second trader agrees to borrowing the transaction. For example, the second trader would say, "I agree." If it is determined that the second trader agrees with the borrowing fact, the PIN tech server 300 records that the borrowing transaction has been notarized (S400). If it is determined that the user does not agree, the pin tec server 300 can notify the first trading device 100 of this fact.

If the notarization is normally performed, the PIN tech server 300 requests withdrawal to the transfer server 400 (S450). Here, the withdrawal request is a request for withdrawing the transfer amount from the automatic withdrawal account of the first trader and transferring the transfer amount to the FinTech parent institution. The transfer server 400 processes the withdrawal in response to a withdrawal request from the FinTech server 300 in step S500 and returns the withdrawal result to the FinTech server 300 in step S550. In addition, the PIN tech server 300 makes a deposit request to the transfer server 400 (S600). Here, the deposit request is a request for withdrawing the transfer amount from the PinTech transfer account and depositing the transfer amount into the deposit account of the second trader. The transfer server 400 deposits the money in accordance with the deposit request of the PIN tech server 300 in step S650 and returns the deposit information to the PIN tech server 300 in step S700. The PIN tech server 300 notifies the first trader device 100 that the withdrawal has been completed (S750), and notifies the second trader device 200 of the completion of the withdrawal (S800). For reference, S450 and S600 are not bound to the post-processing. That is, S600 may be performed first. Also, although S450 is performed first and S600 is performed later, S650 may be processed first and S500 may be processed later. The opposite is also possible.

Although not shown in FIG. 3, the PinTech server 300 can notify the second trader device 200 of the arrival of a predetermined settlement date, as described above. Although not shown in FIG. 3, the notarization server 400 includes a process of requesting input to the second trader device 200 for a part of the borrowing fact data during S300 and authenticating an input value according to the request can do. That is, the user can request information input to the second trader and verify the input information to authenticate whether the second trader is a legitimate trader. S350 can be performed only when authentication is successful in S300.

In the above-described example, the PIN tech server and the transfer server are operated by different providers, but they may be operated by the same company. The present invention has been described with reference to the preferred embodiments. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

100: first trader device 200: second trader device
300: Pin-Tech Server 310:
320: storage unit 330: control unit
331: transfer notification request receiving section 332: transfer notarization processing section
333: transfer request unit 334: reimbursement notification unit
400: transfer server

Claims (13)

A PINTECH server providing an automatic withdrawal service in cooperation with a transfer server providing a money transfer service,
The transfer server requests the transfer server to transfer the transfer amount requested from the first trader to the transfer account of the second trader for the consumption transaction transaction between the first trader and the second trader, A pin tech server that notifies a lender transaction between a trader and a second trader.
The method according to claim 1,
A transferee notarization request receiving unit for receiving transit notarization request information including the second transaction information and the transfer amount from the first transaction device;
And transmits the borrowing fact data to the second trader device by using the received transfer notarization request information and receives and stores the borrowing agreement data on the borrowing fact from the second trader device to thereby realize the consumption between the first trader and the second trader A transfer notarization processing unit for notarizing a bogus transaction; And
A transfer request unit for requesting the transfer server to transfer the transfer amount to the transfer account of the second trader after the notarization is completed by the transfer notarization processing unit;
A pin-tec server that includes
The method according to claim 2, wherein the transfer request unit comprises:
A withdrawal request unit for requesting transfer of the transfer amount from the automatic withdrawal account of the first trader to the pin tech family account; And
A transfer requesting unit for transferring the transfer amount from the PinTech transferring account to the transfer account of the second trader;
A pin-tec server that includes
The method of claim 3,
The notarization request information includes at least one of a telephone number of a second trader and a deposit account, and a reimbursement date.
5. The method of claim 4,
The borrowing facts data includes the transfer amount, the due date, the name of the first trader, the name of the second trader, and the deposit account.
6. The method according to any one of claims 2 to 5,
The transfer notarization processor transmits the borrowing fact data to the second trader device by voice using an automated response service (ARS), and receives and stores the borrowing agreement data from the second trader device.
The method according to claim 6,
The notarization processing unit requests input to the second trader device for a part of the borrowing fact data during the ARS and authenticates the input value of the second trader in accordance with the request, and when the authentication is successful, receives the borrowing agreement data from the second trader device Pin Tech Server to store.
3. The method of claim 2,
A reimbursement notification unit informing the second trader device of the date of reimbursement date when the reimbursement date arrives;
And further comprising:
A method for providing a transfer notarization service of a PINTECH server that provides an automatic withdrawal service in cooperation with a transfer server providing a money transfer service,
Receiving the transfer notarization request information including the transfer amount from the first trader device to the second trader information and the transfer account of the second trader;
Generating borrowing fact data using the transfer notarization request information;
Transmitting borrowing fact data to a second trader device;
Billing transaction between the first trader and the second trader by receiving and storing the borrowing agreement data on the borrowing fact from the second trader device;
Requesting the transfer server to transfer the transfer amount to the transfer account of the second trader after completion of the notarization;
The method comprising the steps of:
10. The method of claim 9, wherein requesting a transfer server comprises:
Requesting withdrawal of the transfer amount from the automatic withdrawal account of the first trader to the pin tech family register; And
Requesting transfer of the transferred money amount from the pin tech mother bank to the depositing account of the second trader;
The method comprising the steps of:
11. The method according to claim 9 or 10,
The notarization step transmits the borrowing fact data to the second trader device by voice using an automated response service (ARS), and receives and stores the borrowing agreement data from the second trader device.
12. The method of claim 11,
The notarization step requests input to the second trader device for a part of the borrowing fact data during the ARS, authenticates the input value of the second trader according to the request, and receives borrowing agreement data from the second trader device And notifying the user of the service.
10. The method of claim 9,
When the expiration date arrives, notifying the second trader device of the expiration date;
Further comprising the steps of:

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