KR20230086643A - Method for Operating a Receiving Transaction - Google Patents

Abstract

According to the method for providing a receivable transaction of the present invention, in the method executed through a transaction server that provides a receivable transaction, the designated recipient wireless terminal information included in the remittance transaction request information requested through at least one sender wireless terminal m (m≥1) transaction details for the recipient's recipient transaction are stored, and when access is made from the recipient's wireless terminal corresponding to the recipient's wireless terminal information, the designated m is specified by using the recipient's account information in the name of the recipient designated by the recipient. A procedure for processing m' number of received transactions corresponding to '(1≤m'≤m) transaction details is performed.

Description

Method for providing a receiving transaction {Method for Operating a Receiving Transaction}

The present invention, in a method executed through a transaction server providing a receipt transaction, for a receipt transaction of a recipient designated on the basis of recipient wireless terminal information included in remittance transaction request information requested through at least one sender wireless terminal m (m≥1) transaction details are stored, and when access is made from the recipient wireless terminal corresponding to the recipient wireless terminal information, the designated m' (1≤m' It relates to a receiving transaction providing method that performs a procedure for processing m' number of receiving transactions corresponding to ≤ m) transaction details.

As the development of information and communication technology has been applied to the financial field, financial transactions that were conventionally processed through face-to-face authentication by visiting a bank window have evolved into non-face-to-face financial transactions that provide financial transactions through non-face-to-face authentication using a communication network. Various communication identifier-based remittance services that provide remittance transactions in a non-face-to-face manner using an e-mail address or mobile phone number instead of an account number have also been proposed.

The communication identifier-based remittance service proposed so far uses the recipient's communication identifier instead of the recipient's account number in the conventional non-face-to-face financial transaction method. It follows the remittance transaction procedure based on the sender's account of face-to-face/non-face-to-face financial transaction. Here, the conventional remittance transaction procedure means to withdraw the remittance amount from the sender's account and deposit it into the recipient's account (or the recipient's account converted from the recipient's communication identifier) in response to the sender's request for a remittance transaction, and deposit it into the sender's account The side that operates the remittance transaction becomes the operator of the remittance transaction and proceeds with the remittance transaction to the recipient's account.

On the other hand, the communication identifier-based remittance service has a feature in that a remittance transaction is provided even when the recipient does not disclose his or her account number to the sender, and thereby, a remittance transaction with fraudulent intent (eg, offering a bribe) may occur. Possibility is implied. In order to block the remittance transaction with heartless intentions as described above, the recipient must be given an opportunity to reject the remittance transaction. However, in the conventional remittance transaction procedure, the recipient does not have any opportunity to reject the remittance transaction.

If the recipient does not want the remittance transaction, the recipient has the inconvenience of having to proceed with a separate remittance transaction in which the remittance amount deposited into his/her account is refunded and deposited into the sender's account, and once the remittance transaction occurs is recorded in the transaction details of the sender's account as well as the transaction details of the recipient's account, making it impossible to erase them.

Meanwhile, in order for the recipient of the remittance transaction to approve/reject the progress of the remittance transaction requested by the sender, the progress of the remittance transaction must be interrupted, and the recipient must inquire and approve/reject the progress of the interrupted remittance transaction. Interrupting a unilateral remittance transaction on the side that operates the account in the middle is very difficult in terms of financial transaction practice, and even if the remittance transaction is interrupted, it is difficult for the recipient to inquire about the progress of the unilateral remittance transaction on the sender's side even if the remittance transaction is interrupted. Virtually impossible without orders.

An object of the present invention is, in a method executed through a transaction server providing a receipt transaction, a receipt transaction of a recipient designated on the basis of recipient wireless terminal information included in remittance transaction request information requested through at least one sender wireless terminal. In the first step of storing m (m≥1) transaction details for and when accessing from the recipient wireless terminal corresponding to the recipient wireless terminal information, the designated m' using the account information of the recipient under the name of the recipient designated by the recipient. It is to provide a receipt transaction providing method including a second step of performing a procedure for processing m' number of receipt transactions corresponding to (1≤m'≤m) number of transactions.

A method for providing a receivable transaction according to the present invention is a method executed through a transaction server providing a receivable transaction, which is designated based on recipient wireless terminal information included in remittance transaction request information requested through at least one sender wireless terminal. In the first step of storing m (m≥1) transaction details for the recipient's recipient transaction and when accessing from the recipient's wireless terminal corresponding to the recipient's wireless terminal information, the recipient's account information in the name of the recipient designated by the recipient is used. and a second step of performing a procedure for processing m' number of receipt transactions corresponding to the designated m' (1≤m'≤m) transaction details.

In the receipt transaction providing method according to the present invention, the first step may further include setting and storing an effective period during which the receipt transaction can be processed in the stored transaction details.

In the method for providing a receipt transaction according to the present invention, when the transaction details for the receipt transaction are stored, a receipt transaction request message including an interface for installing or executing a program capable of processing the receipt transaction in the recipient's wireless terminal to access the receipt transaction is sent. Processing the information to be provided to the recipient wireless terminal corresponding to the recipient wireless terminal information and confirming whether the recipient wireless terminal is connected by installing or executing the program based on the interface of the remittance transaction request message characterized by

In the method for providing a remittance transaction according to the present invention, the second step may further include performing an identity authentication procedure for the remittance transaction of the remittee in conjunction with the remittee wireless terminal.

Remittance method between wireless terminals according to the present invention, in the method executed through a transaction server providing a remittance transaction, receives remittance transaction request information including remittance amount information input through a sender wireless terminal and recipient wireless terminal information The first step is to configure and store the transaction details for processing the receipt transaction corresponding to the remittance transaction request information in a state accessible to the recipient, and the second step to install or execute a program capable of processing the receipt transaction in the recipient's wireless terminal A third step of processing to provide a remittance transaction request message including an interface for access to the remittee wireless terminal corresponding to the remittee wireless terminal information, and the remittee wireless terminal running the program based on the interface of the remittance transaction request message. In the fourth step of confirming whether a menu related to a receivable transaction is selected by installing or executing, and when a menu related to a receivable transaction is selected through the program of the recipient wireless terminal, the name of the recipient designated by the recipient using the program of the recipient wireless terminal and a fifth step of performing a procedure for processing a receivable transaction corresponding to the transaction details of the remittee-accessible state by using the remittee account information.

In the remittance method between wireless terminals according to the present invention, when the receipt transaction request message includes transaction details for the receipt transaction, and the remittance transaction request information includes a remittance message input through the sender's wireless terminal It is characterized in that it further comprises the remittance message.

In the remittance method between wireless terminals according to the present invention, the second step may further include setting and storing an effective period for processing the receipt transaction in the transaction details.

In the remittance method between wireless terminals according to the present invention, the fifth step is the step of requesting approval of the transaction details for the transaction through the recipient's wireless terminal, and when approving the transaction through the recipient's wireless terminal, to the recipient. and performing a transaction procedure for processing a receivable transaction with a remittee account in the remittee's name using the remittee's account information in the name of the remittee designated by the remittance and the transaction details.

The present invention, in a method executed through a transaction server providing a remittance transaction, includes a first step of receiving remittance transaction request information including remittance amount information input through a sender wireless terminal and recipient wireless terminal information, and the remittance The second step of constructing and storing the transaction details for processing the receipt transaction corresponding to the transaction request information and during the receipt transaction, the recipient's wireless terminal information and the recipient information are transmitted to the communication company server corresponding to the recipient's wireless terminal to register the recipient's communication company. It is characterized in that it includes a third step of performing a procedure for processing authentication and a fourth step of performing a procedure for processing a receipt transaction using the stored transaction details when authenticating the recipient's subscription to the telecommunications company.

In the present invention, the remittance transaction request information further includes a remittance message directly input by the sender through the sender's wireless terminal, and the remittance message includes a remittance transaction request message sent through the recipient's wireless terminal information. characterized in that it is provided to the recipient's wireless terminal through

In the present invention, the transaction details are characterized in that they include amount information for processing the remittance transaction requested through the remittance transaction request information as a remittance transaction and the recipient wireless terminal information.

In the present invention, the second step may further include setting and storing an effective period for processing the receipt transaction in the transaction details.

In the present invention, it is characterized in that it further comprises the step of automatically canceling the receiving transaction using the transaction details when the expiration date of the stored transaction details has elapsed.

In the present invention, when the receipt transaction request message is sent using the recipient wireless terminal information, whether the wireless terminal receiving the receipt transaction request message accesses via a path specified through a reaction process set in the receipt transaction request message. Through the step of confirming and the reaction process set in the receivable transaction request message, check the recipient wireless terminal information that uniquely identifies the accessed recipient wireless terminal, and check whether valid transaction details including the information of the recipient wireless terminal whose connection has been confirmed are stored. In the fourth step, when valid transaction details including the recipient wireless terminal information are confirmed, performing a procedure for processing a receipt transaction using the stored transaction details in conjunction with the recipient wireless terminal It is characterized by comprising a step.

In the present invention, the fourth step is the step of requesting approval of a receipt transaction for the transaction details through the recipient's wireless terminal, and when the remittance transaction is approved through the recipient's wireless terminal, the recipient account under the name of the recipient designated by the recipient. It is characterized by comprising; performing a transaction procedure for processing a receivable transaction with a remittee's account in the remittee's name by using the information and the transaction details.

In the present invention, the fourth step includes the step of checking m (m≥1) transaction details including the information of the recipient wireless terminal of which the connection is confirmed among the stored transaction details, and the confirmed m number of transaction details as the recipient wireless terminal. Step of providing transaction details and when receiving transaction approval through the recipient wireless terminal, among the transaction details provided to the recipient wireless terminal, m'(1≤m'≤m) transaction details approved for receipt transactions and designated by the recipient and performing a transaction procedure for a receivable transaction for receiving an amount corresponding to the m' transaction details to a remittee's account in the remittee's name by using the remittee's account information in the remittee's name.

Remittance method between wireless terminals according to the present invention, in the method executed through a transaction server providing a remittance transaction, receives remittance transaction request information including remittance amount information input through a sender wireless terminal and recipient wireless terminal information If the recipient's account information in the recipient's name cannot be confirmed through the first step and the information included in the remittance transaction request information, the transaction details for processing the remittance transaction requested through the remittance transaction request information as a receipt transaction are configured. In the second step of storing and when the connection of the wireless terminal via the designated path is confirmed, wireless terminal information uniquely identifying the wireless terminal whose access has been confirmed via the designated path is checked, and valid information including the wireless terminal information of the confirmed connection is checked. A third step of checking whether transaction details are stored, and if valid transaction details including the wireless terminal information for which the connection is confirmed are stored, one or more receiver wireless terminals corresponding to receiver wireless terminal information included in the stored valid transaction details are stored. To verify recipient-related information and to verify recipient account information that could not be confirmed at the time the remittance transaction request information was received, the recipient-related information was provided to a designated server to request authentication of the recipient's real name to confirm the recipient's account information. Then, in the fourth step of confirming the result of authenticating the real name of the payee, and when the real name authentication of the payee is successful, the account information of the payee under the name of the payee designated by the real name-certified payee is checked, and the stored transaction details and the confirmed payee account are checked. and a fifth step of performing a transaction procedure for processing a receivable transaction in which an amount corresponding to the transaction details is received into the recipient's account using the information.

In the method of remittance between wireless terminals according to the present invention, the real name authentication is not password-based authentication registered during the registration process of the recipient, but through a separate designated server to open an account in the recipient's name or designate an account before the recipient joins. It is characterized in that it is made including the identity authentication performed.

In the remittance method between wireless terminals according to the present invention, the remittance transaction request information further includes a remittance message directly input by the sender through the sender's wireless terminal, and the remittance message is transmitted through the recipient's wireless terminal information. It is characterized in that it is provided to the recipient's wireless terminal through the sent receipt transaction request message.

In the remittance method between wireless terminals according to the present invention, the transaction details include amount information for processing the remittance transaction requested through the remittance transaction request information as a remittance transaction and the recipient wireless terminal information. do.

In the remittance method between wireless terminals according to the present invention, the second step may further include setting and storing an effective period for processing a receipt transaction in the transaction details.

The method of remittance between wireless terminals according to the present invention may further include the step of automatically canceling a receiving transaction using the stored transaction details when the expiration date of the stored transaction details has elapsed.

In the remittance method between wireless terminals according to the present invention, further comprising the step of sending a message for inducing connection of a wireless terminal via a designated path using the recipient wireless terminal information, wherein the third step is, The method may further include confirming a connection of a wireless terminal accessed via a designated path through which connection is induced through the message.

In the remittance method between wireless terminals according to the present invention, the fifth step is the step of requesting approval of the transaction details for the transaction through the recipient wireless terminal, and the real name authentication when the recipient transaction is approved through the recipient wireless terminal. and performing a transaction procedure for processing a receivable transaction with a remittee account in the remittee's name using the remittee's account information and the transaction details in the remittee's name designated by the remittance recipient.

In the remittance method between wireless terminals according to the present invention, the fifth step includes the step of confirming m (m≥1) transaction details including the connection-confirmed recipient wireless terminal information among the stored transaction details; Providing the confirmed m number of transaction details to the wireless terminal and when receiving transaction approval through the recipient wireless terminal, m' (1≤m'≤m) transactions approved for receipt transaction among the transaction details provided to the recipient wireless terminal Performing a transaction procedure for a recipient transaction to receive an amount corresponding to the m' transaction details to a recipient account in the name of the recipient using the details and the account information of the recipient in the name of the recipient designated by the recipient whose real name has been authenticated. It is characterized by doing.

Remittance method between wireless terminals according to the present invention, in the method executed through a transaction server providing a remittance transaction, receives remittance transaction request information including remittance amount information input through a sender wireless terminal and recipient wireless terminal information If the recipient's account information in the recipient's name cannot be confirmed through the first step and the information included in the remittance transaction request information, and a virtual account in the recipient's name that can be used as the recipient's account is not opened, the recipient corresponding to the remittance transaction request information The second step of constructing transaction details for the transaction, setting and storing an effective period for processing the receiver transaction corresponding to the transaction details, and the receiver wireless terminal corresponding to the receiver wireless terminal information before the expiration of the stored transaction details. When connecting to the recipient, one or more recipient-related information is checked through the recipient's wireless terminal, and the recipient-related information is provided to a server designated for real-name authentication to process the recipient's account using the stored transaction details. The third step of confirming the result of authenticating the real name of the recipient after requesting authentication of the real name of the recipient for processing, and when the authentication of the real name of the recipient is successful, the account information of the recipient under the name of the recipient designated by the certified recipient and the transaction details are used. and a fourth step of performing a transaction procedure for processing a receivable transaction in the remittee's account under the remittee's name.

In the method of remittance between wireless terminals according to the present invention, the real name authentication is not password-based authentication registered during the registration process of the recipient, but through a separate designated server to open an account in the recipient's name or designate an account before the recipient joins. It is characterized in that it is made including the identity authentication performed.

In the remittance method between wireless terminals according to the present invention, the remittance transaction request information further includes a remittance message directly input by the sender through the sender's wireless terminal, and the remittance message is transmitted through the recipient's wireless terminal information. It is characterized in that it is provided to the recipient's wireless terminal through the sent receipt transaction request message.

*

* In the method of remittance between wireless terminals according to the present invention, information for receiving the amount corresponding to the remittance amount information of the remittance transaction request information to the recipient's account in the name of the designated recipient even after communication with the sender's wireless terminal is terminated It is characterized by comprising.

The method of remittance between wireless terminals according to the present invention may further include the step of automatically canceling a receiving transaction using the stored transaction details when the expiration date of the stored transaction details has elapsed.

The method of remittance between wireless terminals according to the present invention may further include the step of confirming access of a recipient wireless terminal corresponding to the recipient wireless terminal information before the expiration date of the stored transaction details.

In the remittance method between wireless terminals according to the present invention, before the expiration date of the stored transaction details, using the information on the recipient's wireless terminal to send a request for a remittance transaction inducing access to the recipient's qualifications, and the remittance transaction The method may further include a step of confirming connection of the recipient wireless terminal in response to the remittance transaction request message in the recipient wireless terminal receiving the request message.

In the method of remittance between wireless terminals according to the present invention, the fourth step includes requesting approval of the transaction details for the transaction through the recipient's wireless terminal and authenticating the real name when approving the transaction through the recipient's wireless terminal. and performing a transaction procedure for processing a receivable transaction with a remittee account in the remittee's name using the remittee's account information and the transaction details in the remittee's name designated by the remittance recipient.

In the remittance method between wireless terminals according to the present invention, in the fourth step, m (m≥1) transaction details including information about the recipient wireless terminal corresponding to the recipient wireless terminal of which connection has been confirmed are checked among the stored transaction details. Step of confirming and providing the identified m number of transaction details to the recipient wireless terminal, and receiving transaction approved through the recipient wireless terminal, among the transaction details provided to the recipient wireless terminal, m'(1≤m Receipt transaction transaction procedure for receiving the amount corresponding to the m' transaction details to the beneficiary's account in the name of the beneficiary by using '≤m) transaction details and the recipient account information in the name of the recipient designated by the real name-certified recipient. It is characterized by comprising the step of performing.

The remittance method between wireless terminals according to the present invention, in the method executed through a transaction server providing remittance transactions, remittance transaction request information including remittance amount information input through a sender's wireless terminal and recipient wireless terminal information In the first step of receiving and when the recipient account information is not included in the remittance transaction request information and the recipient account information registered in association with the recipient wireless terminal information included in the remittance transaction request information is not confirmed, the input through the sender's wireless terminal After verifying one or more payee-related information through the payee wireless terminal corresponding to the payee wireless terminal information and providing the payee-related information to a server designated for processing real-name authentication, requesting payee real-name authentication to confirm payee account information. A second step of confirming the result of authenticating the recipient's real name and a third step of performing a transaction procedure for receiving the remittance amount through the recipient account information designated by the recipient whose real name has been authenticated when the recipient's real name authentication is successful. It is characterized by including.

In the method of remittance between wireless terminals according to the present invention, the real name authentication is not password-based authentication registered during the registration process of the recipient, but through a separate designated server to open an account in the recipient's name or designate an account before the recipient joins. It is characterized in that it is made including the identity authentication performed.

In the remittance method between wireless terminals according to the present invention, the remittance transaction request information further includes a remittance message directly input by the sender through the sender's wireless terminal, and the remittance message includes information on the recipient's wireless terminal. It is characterized in that it is provided to the receiver's wireless terminal through a remittance transaction request message sent through

In the remittance method between wireless terminals according to the present invention, when the remittance transaction request information is received, the amount corresponding to the remittance amount information of the remittance transaction request information is received into the recipient's account confirmed after the recipient's wireless terminal is connected. It is characterized by further comprising the step of configuring and storing the transaction details for performing the transaction.

In the remittance method between wireless terminals according to the present invention, the step of setting an effective period for processing a receiving transaction using the stored transaction details and the step of automatically canceling the receiving transaction using the transaction details when the valid period elapses It is characterized by comprising more.

In the method for remittance between wireless terminals according to the present invention, when the remittance transaction request information is received, it is characterized in that it further comprises the step of confirming the connection of the recipient wireless terminal corresponding to the recipient wireless terminal information.

In the remittance method between wireless terminals according to the present invention, when the remittance transaction request information is received, a remittance transaction request message is sent to induce connection of the recipient qualification using the recipient wireless terminal information included in the remittance transaction request information. and processing the remittance transaction request message in response to the remittance transaction request message in the remittee wireless terminal receiving the remittance transaction request message to confirm the connection of the remittee wireless terminal.

In the remittance method between wireless terminals according to the present invention, the third step includes the step of performing a transaction procedure for the recipient transaction using the recipient account information designated by the recipient whose real name has been authenticated and the stored transaction details. characterized by being made.

In the remittance method between wireless terminals according to the present invention, in the third step, among the stored transaction details, m (m≥1) transaction details including information on the recipient wireless terminal corresponding to the recipient wireless terminal of which connection is confirmed are checked. Step of confirming and providing the identified m number of transaction details to the recipient wireless terminal, and when the receipt transaction is approved through the recipient wireless terminal, among the transaction details provided to the recipient wireless terminal, receipt transaction approved receipt approved m' ( It is characterized in that it comprises the step of performing a transaction procedure for receiving transactions for receiving an amount corresponding to 1≤m'≤m) transaction details to the account of the recipient.

The remittance method between wireless terminals according to the present invention, in the method executed through a transaction server providing remittance transactions, remittance transaction request information including remittance amount information input through a sender's wireless terminal and recipient wireless terminal information The first step of receiving and the second step of confirming the connection of the recipient wireless terminal corresponding to the recipient wireless terminal information when the recipient account information is not included in the remittance transaction request information and the registered recipient account information is not confirmed, and the recipient wireless terminal information When the connection of the terminal is confirmed, one or more recipient-related information is checked through the wireless terminal of the recipient whose connection has been confirmed, and the recipient-related information is provided to a designated server to process real-name authentication to request recipient real-name authentication, and then the real name of the recipient is verified. A third step of confirming the authentication result and a fourth step of performing a transaction procedure for receiving the remittance amount through the recipient account information designated by the recipient whose real name has been authenticated when the recipient's real name authentication is successful. do.

In the method of remittance between wireless terminals according to the present invention, the real name authentication is not password-based authentication registered during the registration process of the recipient, but through a separate designated server to open an account in the recipient's name or designate an account before the recipient joins. It is characterized in that it is made including the identity authentication performed.

In the remittance method between wireless terminals according to the present invention, when the remittance transaction request information is received, the amount corresponding to the remittance amount information of the remittance transaction request information is received into the recipient's account confirmed after the recipient's wireless terminal is connected. It is characterized by further comprising the step of configuring and storing the transaction details for performing the transaction.

In the remittance method between wireless terminals according to the present invention, the step of setting an effective period for processing a receiving transaction using the stored transaction details and the step of automatically canceling the receiving transaction using the transaction details when the valid period elapses It is characterized by comprising more.

In the remittance method between wireless terminals according to the present invention, when the remittance transaction request information is received, a remittance transaction request message is sent to induce connection of the recipient qualification using the recipient wireless terminal information included in the remittance transaction request information. The second step includes a step of confirming the connection of the receiver wireless terminal in response to the receiver wireless terminal that has received the receiver transaction request message. to be

In the remittance method between wireless terminals according to the present invention, in the third step, when the connection of the recipient wireless terminal is confirmed, the recipient-related information is provided to a designated server to request authentication of the recipient's real name, and then the recipient's real name is authenticated. It is characterized by comprising the step of confirming the result.

In the remittance method between wireless terminals according to the present invention, the fourth step includes the step of performing a transaction procedure for the recipient transaction using the recipient account information designated by the recipient whose real name has been authenticated and the stored transaction details. characterized by being made.

In the remittance method between wireless terminals according to the present invention, in the fourth step, m (m≥1) transaction details including information about the recipient wireless terminal corresponding to the recipient wireless terminal of which connection has been confirmed are checked among the stored transaction details. Step of confirming and providing the identified m number of transaction details to the recipient wireless terminal, and when the receipt transaction is approved through the recipient wireless terminal, among the transaction details provided to the recipient wireless terminal, receipt transaction approved receipt approved m' ( It is characterized in that it comprises the step of performing a transaction procedure for receiving transactions for receiving an amount corresponding to 1≤m'≤m) transaction details to the account of the recipient.

A remittance method between wireless terminals according to the present invention, in a method executed through a transaction server that processes a remittance transaction, remittance transaction request information including remittance amount information input through a sender's wireless terminal and recipient wireless terminal information The first step of receiving and the second step of constructing and storing transaction details for performing a receipt transaction in which the amount corresponding to the remittance amount information of the remittance transaction request information is received into the recipient's account identified when the recipient's wireless terminal is connected; and When the recipient's wireless terminal corresponding to the recipient's wireless terminal information is connected, if the account information of the recipient in the name of the registered recipient is not confirmed, check one or more recipient-related information for authentication of the recipient's real name through the recipient's wireless terminal and separate The third step of providing the payee-related information to a server that processes the real name authentication of the payee and processing the payee real name authentication for designating the payee account information in the payee's name, and when the payee's real name authentication succeeds, the real name designated by the payee and a fourth step of performing a transaction procedure for the recipient transaction using the recipient account information and the stored transaction details, wherein the third step includes a previously registered information when the recipient wireless terminal corresponding to the recipient wireless terminal information is connected. When the account information of the payee in the name of the payee is confirmed, the method may further include performing a transaction procedure for the payee transaction using the confirmed payee account information and the stored transaction details.

In the remittance method between wireless terminals according to the present invention, the third step is the step of sending a remittance transaction request message for inducing connection of a recipient qualification by using the recipient wireless terminal information included in the remittance transaction request information. and when checking the access of at least one wireless terminal, the step of confirming whether the connection of the wireless terminal is connected to a wireless terminal having the qualification of a receiver who has accessed in response to the receivable transaction request message.

In the remittance method between wireless terminals according to the present invention, the remittance transaction request information further includes a remittance message directly input by the sender through the sender's wireless terminal, and the receipt transaction request message is directly input by the sender. It is characterized in that it is made including the contents of the input remittance message.

In the remittance method between wireless terminals according to the present invention, the remittee's account is characterized in that it includes a remittee's virtual account opened in the name of the remittee.

In the remittance method between wireless terminals according to the present invention, in the fourth step, m (m≥1) transaction details including wireless terminal information for which access has been authenticated as the recipient among the stored transaction details as recipient wireless terminal information and providing the confirmed m transaction details to the payee wireless terminal.

In the remittance method between wireless terminals according to the present invention, the step of setting an effective period for processing a receiving transaction using the stored transaction details and the step of automatically canceling the receiving transaction using the transaction details when the valid period elapses It is characterized by comprising more.

A remittance method between wireless terminals using a virtual account according to the present invention is a method executed through a server providing a remittance transaction, through the first step of opening a virtual account of a sender requesting a remittance transaction and the sender's wireless terminal. The second step of receiving the remittance transaction request information including the entered remittance amount information and the recipient's wireless terminal information, and providing the remittance amount information and the recipient's wireless terminal information of the remittance transaction request information to a wireless terminal connected as a recipient A third step of constructing transaction details to be processed and storing them in the sender's virtual account, and a fourth step of sending a receipt transaction request message for inducing connection of a recipient qualification to the recipient's wireless terminal corresponding to the recipient's wireless terminal information; When the connection of the wireless terminal is confirmed, it is identified whether the connection of the wireless terminal is the connection of the wireless terminal with the qualification of the receiver who has accessed in response to the receivable transaction request message, and the connection of the identified wireless terminal with the qualification of the receiver is actually confirmed by using the wireless terminal information of the receiver. In the fifth step of authenticating whether the recipient's wireless terminal receiving the receipt transaction request message is connected or not, and when authenticating access to the recipient's qualification of the recipient's wireless terminal that has received the receipt transaction request message, the wireless terminal whose access is authenticated as the recipient among the stored transaction details Through a sixth step of identifying m (m≥1) transaction details including information as the recipient wireless terminal information, a seventh step of providing the identified m transaction details to the recipient wireless terminal, and the recipient wireless terminal and an eighth step of opening a virtual account in the recipient's name or confirming a previously opened virtual account to perform a remittance procedure for remittance of the sender's remittance amount when the recipient approves receipt of the remittance amount, and the remittance transaction request information , further includes a remittance message directly input by the sender through the sender's wireless terminal, and the receipt transaction request message includes the content of the remittance message directly input by the sender.

In the method of remittance between wireless terminals using a virtual account according to the present invention, further comprising the step of processing communication company subscription authentication or real name authentication of the sender for the wireless terminal of the sender, wherein the first step includes the communication company subscription authentication. It is characterized by opening a virtual account of the sender.

A method of remittance between wireless terminals using a virtual account according to the present invention, characterized in that it further comprises the step of processing subscription authentication to a telecommunications company for the recipient wireless terminal or real name authentication for the recipient when the recipient wireless terminal is connected. to be

In the remittance method between wireless terminals using a virtual account according to the present invention, the eighth step is based on the recipient's approval of receipt of the remittance amount, m'(1≤m'≤m It is characterized in that it comprises the step of performing a remittance procedure for ) transaction details.

In the remittance method between wireless terminals using a virtual account according to the present invention, the eighth step is characterized in that the remittance procedure is performed according to a fund settlement procedure specified between a server providing the remittance transaction and an affiliated financial company server. to be

A remittance system between wireless terminals using virtual account authority control according to the present invention is a transfer system between wireless terminals using virtual account authority control of a server connected to at least one sender wireless terminal and a recipient wireless terminal, wherein the wireless terminal of the sender Sender virtual account opening means for opening remitter virtual accounts in the names of N (N>1) senders whose subscription status with the telecommunications company has been authenticated by connecting as a sender via Remittance transaction for receiving remittance transaction request information including remittance amount information and recipient wireless terminal information from n'(1≤n'≤n) sender wireless terminals corresponding to subsets of ≤n≤N) Sender virtual accounts Based on the request receiving means and the received remittance transaction request information, n' sender's transaction details are configured and recorded in the ledger of the n' sender's virtual accounts, and the ledger access to the sender's transaction details is given to the recipient. A virtual account operating means for a sender that maintains an accessible state, a means for confirming a recipient's wireless terminal for accessing as a recipient through a recipient's wireless terminal and confirming information on a recipient's wireless terminal whose subscription status has been authenticated, and information about the recipient's wireless terminal Based on the beneficiary qualification verification result and the ledger access authority for the sender's transaction details of the n' sender's virtual accounts, the sender's transaction details recorded in the ledger of the n' sender's virtual accounts are searched to retrieve the recipient's wireless terminal information. Sender virtual account inquiry means for checking m (m≥1) transaction details including m (m≥1) transaction details; Transaction details receiving means for receiving m' (1≤m'≤m) transaction details of which the recipient's remittance amount is approved among the m transaction details from the wireless terminal; and when the m' transaction details are received, Recipient virtual account opening means for opening a beneficiary virtual account in the name of the beneficiary (or confirming the previously opened virtual account for the beneficiary in the name of the beneficiary), and the remittance amount corresponding to the m' number of transactions and a payee virtual account operating means for withdrawing money from the account and transferring the money to the payee virtual account.

According to the present invention, the remittance system between wireless terminals using the virtual account authority control authenticates the subscription status of the wireless terminal of the sender connected as a sender through the carrier server, and joins the wireless terminal of the receiver connected as a receiver. A wireless terminal authentication means for authenticating the state may be further provided.

According to the present invention, the remittance system between wireless terminals using the virtual account authority control may further include a remitter virtual account charging means for withdrawing the recharged amount from a remitter's real account and charging the remitter's virtual account.

According to the present invention, the transfer system between wireless terminals using the virtual account permission control is a receiver requesting a receipt transaction to at least one receiver wireless terminal corresponding to the receiver wireless terminal information included in the n' sender side transaction details. A transaction request means may be further provided.

According to the present invention, in the remittance system between wireless terminals using the virtual account permission control, the transaction details receiving means m”(1≤m”≤(m-m')) when the recipient's receipt is rejected from the recipient wireless terminal. Receive transaction details, and the sender's virtual account operating means sets the ledger access authority for the sender's transaction details recorded in the sender's virtual account corresponding to the received m" transaction details to a state in which the recipient is not accessible. can

A wireless terminal according to the present invention, in a wireless terminal connected to a server providing a remittance service between wireless terminals, includes a server connection unit that accesses the server as a recipient through a communication network, and N (N> 1) Among the n (1≤n≤N) sender virtual accounts charged with a certain amount among the sender's virtual accounts, the sender's transaction history for the remittance transaction requested from the sender's wireless terminal is stored. A transaction details receiving unit that receives m (m≥1) transaction details inquired based on the recipient's ledger access authority, and m'(1≤m'≤m) receipt transaction approval transaction details among the m transaction details An interface output unit that outputs a receipt transaction decision interface to determine the received transaction; A receipt transaction result output unit for receiving and outputting receipt transaction result information for the receipt transaction request information is provided.

According to the present invention, in the wireless terminal, the interface output unit constitutes a transaction request interface for constructing and transmitting transaction details request information to inquire the transaction details of the sender side of n' sender virtual accounts in which the recipient's ledger access authority is set, and transmitting the same to the server. can output more.

According to the present invention, in the wireless terminal, the receiving transaction determining interface includes an interface for determining m”(1≤m”≤(m-m')) of receiving transaction rejection target transaction details among the m received transaction details. Further, the receipt transaction approval processing unit may configure and transmit receipt transaction rejection information for rejecting receipt transactions for the m” number of transactions to the server.

According to the present invention, the wireless terminal may further include an electronic document storage unit configured to configure m receipt transaction electronic documents corresponding to the received m transaction details and store them in an electronic document storage area.

According to the present invention, when m receipt transaction electronic documents corresponding to the m transaction details are stored in an electronic document storage area, the wireless terminal stores the electronic document when receipt transactions for the m' transaction details are processed. An electronic document erasing unit may be further provided to erase m' number of receipt transaction electronic documents stored in the area.

According to the present invention, the wireless terminal, when m receipt transaction electronic documents corresponding to the m transaction details are stored in the electronic document storage area, m”(1≤m”≤(m) among the m receipt transaction electronic documents When receipt transactions for the m-m')) number of receipt transaction electronic documents are rejected, an electronic document erasing unit may be further provided to erase m″ receipt transaction electronic documents stored in the electronic document storage area.

According to the present invention, the ledger access authority of the sender's virtual account requesting a remittance transaction is maintained in an accessible state to the recipient, so that the recipient inquires the sender's virtual account through his/her wireless terminal, and then among the transaction details requested for remittance It has the advantage of allowing only approved remittance transactions to be processed selectively.

According to the present invention, there is an advantage in inducing a safe remittance transaction to the recipient by preventing the transaction details from being recorded even in the recipient's account for a remittance transaction that is not approved by the recipient.

1 is a diagram showing the configuration of a remittance system between wireless terminals according to an embodiment of the present invention.
2 is a diagram showing the functional configuration of a recipient wireless terminal according to an embodiment of the present invention.
3 is a diagram illustrating a process of opening a virtual account for a remitter according to an implementation method of the present invention.
4 is a diagram illustrating a remittance transaction request process of a sender wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating a process of processing a remittance transaction request from a sender wireless terminal in a remittance transaction server according to the method of the present invention.
6 is a diagram illustrating a process of inducing a receipt transaction for processing a remittance transaction according to an embodiment of the present invention.
7 is a diagram illustrating a process of approving/rejecting a receipt transaction for processing a remittance transaction according to an embodiment of the present invention.
8 is a diagram illustrating a remittance transaction processing process according to an implementation method of the present invention.

Hereinafter, the operating principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. However, the drawings shown below and the description below relate to preferred implementation methods among various methods for effectively explaining the features of the present invention, and the present invention is not limited to only the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. In addition, terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to the intention or custom of a user or operator. Therefore, the definition should be made based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments are a means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention belongs. only

Figure 1 is a diagram showing the configuration of a remittance system between wireless terminals according to the implementation method of the present invention.

In more detail, Figure 1 shows n'(1≤n'≤n) corresponding to a subset of n (1≤n≤N) virtual accounts of n (1≤n≤N) remitters charged with a certain amount among N (N>1) virtual accounts of senders. ) sender wireless terminals 190 to at least one receiver wireless terminal 200 requesting a transfer, the sender's access to the ledger for transaction details corresponding to the transfer request through the n' sender virtual accounts By maintaining the available state, the recipient selects, approves, and transfers m' (1≤m'≤m) remittance transactions among m (m≥1) remittance requests requested to the recipient among the n' sender's transaction details. As a diagram showing a system configuration for processing a transaction, those skilled in the art to which the present invention pertains may refer to and/or modify this Figure 1 in various implementation methods for the configuration of the remittance system between wireless terminals (e.g. , implementation methods in which some components are omitted, subdivided, or combined) may be inferred, but the present invention includes all the implementation methods inferred above, and its technical features are achieved only with the implementation method shown in FIG. 1 This is not limited.

For example, in this drawing 1, each means constituting the remittance system between wireless terminals is shown in the remittance transaction server 100 in the form of components of the remittance transaction server 100, but the means are remittance transaction server 100 It is by no means limited to components, and each means is implemented in the form of a separate server according to the intention of a person skilled in the art, or two or more means are combined and implemented in the form of a server, some means are implemented in the form of a server and the other means are remittance It is possible to be implemented in the form of components of the transaction server 100, and it is clearly stated that the present invention is not limited by the implementation method of the means.

According to the present invention, the remittance system between wireless terminals includes a sender wireless terminal 190 used by N (N>1) senders, and a receiver wireless terminal 200 used by a receiver who receives the remittance amount remitted by the sender. And, after opening N sender virtual accounts in the ledger 170, the recipient wireless terminal from the n' sender wireless terminals 190 corresponding to the n sender virtual accounts charged with a certain amount among the N sender virtual accounts ( 200), grants the recipient wireless terminal 200 permission to access the ledger for the request for remittance of the n' number of sender's virtual accounts, so that the recipient's wireless terminal 200 can receive the n' number of It includes a remittance transaction server 100 that searches the sender's virtual account and processes m' remittance requests approved by the recipient's wireless terminal 200 among m remittance requests. Here, the sender wireless terminal 190 and the receiver wireless terminal 200 are named to distinguish the purpose of using the remittance service of the wireless terminal accessing the remittance transaction server 100, and each is named by the name of the wireless terminal. The physical configuration of the terminal is not distinguished.

The sender's wireless terminal 190 collectively refers to a smartphone or mobile phone used by the sender, and includes a wireless communication device used by a user who accesses the remittance transaction server 100 as a sender among wireless terminals.

According to the implementation method of the present invention, the recipient wireless terminal 200 accesses the remittance transaction server 100 as the sender, and records the ledger 170 through the remittance transaction server 100 as the sender in the name of the sender. When a virtual account is opened and a certain amount is charged to the sender's virtual account, remittance transaction request information including at least one remittance amount information, recipient wireless terminal 200 information, and remittance message in response to the remittance transaction request of the sender A program configured and transmitted to the remittance transaction server 100 is provided.

The recipient wireless terminal 200 refers to a smartphone or mobile phone used by a recipient receiving the remittance amount remitted by the sender, and a user accessing the remittance transaction server 100 as a recipient among wireless terminals Including the wireless communication device used.

According to the implementation method of the present invention, the recipient wireless terminal 200 accesses the remittance transaction server 100 as the recipient, and through the remittance transaction server 100, the N numbers opened in the ledger 170 The ledger 170 of n' sender's virtual accounts in which the receiver's ledger access authority is set among the sender's virtual accounts is retrieved to receive m transaction details corresponding to the sender's remittance request, and m' transaction details among the m transaction details are retrieved. A program is provided to approve the receipt of the remittance amount by selecting details.

Referring to Figure 1, the remittance transaction server 100 exchanges data by connecting a communication channel with a wireless terminal equipped with the program, and at the same time, the user's qualification as a remitter or recipient who has access through the wireless terminal is verified. and an interface means 140 for identification.

The interface unit 140 connects a communication channel with the sender wireless terminal 190 requesting a remittance transaction through a wireless communication network, and transmits data between the sender wireless terminal 190 and the remittance transaction server 100 through the communication channel. An interface for transmitting and receiving is provided, and in the process of connecting the sender wireless terminal 190, wireless terminal information corresponding to the sender wireless terminal 190 is extracted and provided to the wireless terminal authentication means 150.

According to the implementation method of the present invention, the interface means 140 is accessed by manually executing the program in the wireless terminal, or when a menu related to a remittance transaction request is selected while being accessed through the program, the wireless terminal It is recognized that a user who has access through the terminal has access as a remitter, and the connected wireless terminal is determined as the remitter wireless terminal 190 .

Alternatively, the interface unit 140 connects the receiver wireless terminal 200 corresponding to the receiver of the remittance transaction requested by the sender wireless terminal 190 through a communication channel, and connects the receiver wireless terminal 200 and the receiver wireless terminal 200 through the communication channel. An interface for transmitting and receiving data between remittance transaction servers 100 is provided, and wireless terminal authentication means 150 by extracting wireless terminal information corresponding to the recipient wireless terminal 200 in the connection process of the recipient wireless terminal 200 provided by

According to the implementation method of the present invention, the interface means 140 receives a receipt transaction request message corresponding to the remittance transaction request of the sender wireless terminal 190 in the wireless terminal and then accesses it in response, or the m In the case of accessing with a corresponding response after receiving transaction details, or accessing after outputting m transaction details through the above program, or selecting a menu related to a receipt transaction request while connected through the above program , It is recognized that the user who has accessed through the wireless terminal has accessed as a recipient, and the connected wireless terminal is determined as the recipient wireless terminal 200 .

Referring to Figure 1, the remittance transaction server 100 authenticates the subscription status of the telecommunication company of the sender's wireless terminal 190 connected as a sender through the communication company server 180, and the recipient wireless terminal ( 200) is provided with a wireless terminal authentication means 150 for authenticating the subscription state of the communication company.

When the wireless terminal information of the sender wireless terminal 190 accessed through the interface means 140 as a sender is obtained, the wireless terminal authentication means 150 reads the information on the sender wireless terminal 190 and the sender wireless terminal 190 The terminal 190 identifies the connected communication company server 180, and transmits member information about the sender wireless terminal 190 (or sender information provided from the sender wireless terminal 190) and sender wireless terminal 190 information. Provided to the communication company server 180, and the communication company server 180 compares the sender's member information (or sender information) and the sender's wireless terminal 190 information with subscriber information, and then compares the result to the wireless terminal authentication means. 150, and the wireless terminal authentication unit 150 reads the authentication result and authenticates the subscriber status of the sender (or the sender wireless terminal 190) to the communication company.

Alternatively, when the wireless terminal information of the receiver wireless terminal 200 accessed through the interface means 140 as a receiver is obtained, the wireless terminal authentication means 150 reads the receiver wireless terminal 200 information and reads the receiver wireless terminal 200 information. The communication company server 180 to which the terminal 200 is connected is identified, and the member information on the recipient wireless terminal 200 (or the recipient information provided from the recipient wireless terminal 200) and the recipient wireless terminal 200 information are stored. The information is provided to the communication company server 180, and the communication company server 180 compares the member information of the recipient (or recipient information) and the recipient wireless terminal 200 information with subscriber information, and then compares the result to the wireless terminal authentication means. 150, and the wireless terminal authentication unit 150 reads the authentication result and authenticates the subscription status of the receiver (or the receiver wireless terminal 200) of the carrier.

Referring to Figure 1, the remittance transaction server 100 is provided with a remitter virtual account opening means 105 for opening remitter virtual accounts in the names of N (N>1) remitters whose subscription status with the telecommunications company has been authenticated, The remitter virtual account charging means 130 for withdrawing the charged amount from the remitter's real account and charging the remitter's virtual account is further provided.

When the sender's subscription status with the telecommunication company is authenticated, the sender's virtual account opening unit 105 checks whether a virtual account in the name of the sender whose subscription status with the telecommunication company is authenticated is opened in the ledger 170 .

Here, the ledger 170 in which the virtual account is opened is a ledger 170 provided at a financial company affiliated with the remittance transaction server 100, or linked or synchronized with the ledger 170 of the financial company server 175. It may include at least one of the ledgers 170 in the remittance transaction server 100 set to be possible.

If a virtual account in the name of the sender is not opened in the ledger 170, the sender virtual account opening means 105 regards the sender's telecommunications company subscription status verification result as authenticating the sender's real name for opening a virtual account, and records the sender's virtual account. At (170), a virtual account for the sender under the name of the sender is opened. Here, the real-name authentication for opening a virtual account is not face-to-face authentication-based real-name authentication for opening a real account, but non-face-to-face authentication for opening a virtual account to which a certain amount is charged from the sender's real account to provide remittance transactions. based real-name authentication.

When the sender's virtual account is opened or the sender's virtual account already opened in the sender's name is confirmed, the sender's virtual account charging means 130 checks whether the virtual account is charged with a certain amount for providing a remittance transaction. do. Here, the predetermined amount for providing the remittance transaction means an amount greater than a predetermined minimum charging amount when the remittance transaction occurs from the sender wireless terminal 190, and the remittance transaction from the sender wireless terminal 190 occurs. Hereafter, it means an amount larger than the remittance amount corresponding to the remittance transaction.

If a predetermined amount is not charged to the sender's virtual account, the sender's virtual account charging means 130 uses a virtual account charging interface output through a program provided in the sender's wireless terminal 190 to open a financial institution. A financial transaction is generated in which a charge amount corresponding to the predetermined amount is withdrawn from a real account in the name of the sender and charged to the sender's virtual account. According to another implementation method of the present invention, the sender's virtual account charging means 130 is the sender's payment means (eg, credit card, debit card, prepaid card, gift certificate, etc.) in addition to the real account of the sender's name. You can charge a certain amount to your virtual account.

Referring to Figure 1, the remittance transaction server 100, among the N remitter virtual accounts, n'(1≤N) corresponding to a subset of n (1≤n≤N) remitter virtual accounts charged with a certain amount A remittance transaction request receiving unit 135 for receiving remittance transaction request information including remittance amount information and recipient wireless terminal 200 information from n'≤n) sender wireless terminals 190, and the received remittance transaction request Based on the information, n' sender side transaction details are configured and recorded in the ledger 170 of the n' sender virtual accounts, and the sender's virtual sender maintains the ledger access rights to the sender side transaction details in a state where the recipient can access them. Receipt transaction requesting means having an account operating means 110 and requesting a receipt transaction to at least one recipient wireless terminal 200 corresponding to the recipient wireless terminal 200 information included in the n' sender side transaction details. (145) is further provided.

When a certain amount is charged to n remitter virtual accounts among the N remitter virtual accounts opened in the ledger 170 through the remitter virtual account charging means 130, the remittance transaction request receiving means 135 receives the certain amount The charged n remittances include remittance amount information and recipient wireless terminal 200 information from n 'sender wireless terminals 190 corresponding to subsets of virtual accounts, and further include remittance messages according to the implementation method Receives remittance transaction request information.

When n' pieces of remittance transaction request information are received from the n' sender wireless terminals 190, the sender virtual account operating means 110 converts the remittance amount included in the remittance transaction request information to the sender virtual account. Among the transaction details of the ledger 170, the transaction amount item is set, and the recipient wireless terminal 200 information is set as the transaction target item among the transaction details of the ledger 170. If a remittance message is included in the remittance transaction request information, the sender's virtual account operating means 110 sets the remittance message as a brief item among the transaction details of the ledger 170, or sets a unique identification code in the remittance message. (For example, letters/numbers of possible digits recorded in the brief item) are allocated and recorded in a separate additional ledger 170, and then the unique identification code assigned to the remittance message is set as a brief item among the transaction details of the ledger 170. can

When the n' sender's transaction details for the n' remittance transaction request information are configured, the sender's virtual account operating means 110 stores the configured n' sender's transaction details in each of the n' sender's virtual accounts. It is recorded in the transaction details of the corresponding ledger 170, and the ledger access authority for the sender's transaction details recorded in the transaction details of the ledger 170 is maintained in an accessible state in response to the recipient's inquiry request. That is, the transaction details of all accounts (or virtual accounts) can be inquired only upon request of the owner of the account, and a court order is required to inquire another person's account, whereas the sender's virtual account operating means 110 maintains the transaction details of the sender's virtual account in a state in which an inquiry is possible in response to an inquiry request of a recipient who has access as a recipient. The setting of access rights to the transaction details of the sender's virtual account may be set through a contractual agreement of the sender's virtual account.

When n' sender side transaction details accessible to the beneficiary are recorded in the n' sender virtual accounts, the receipt transaction request means 145 is a receiver wireless terminal corresponding to the transaction target of the n' sender side transaction details ( 200) At least one recipient wireless terminal 200 corresponding to the information constructs a receipt transaction request message requesting a receipt transaction through inquiry of the transaction details of the sender's virtual account and transmits the message to the recipient wireless terminal 200, The wireless terminal 200 requests a receipt transaction for the n' number of transactions on the sender side.

Referring to Figure 1, the remittance transaction server 100 accesses as a recipient through the recipient wireless terminal 200 and confirms information about the recipient wireless terminal 200 whose subscription status with the telecommunications company has been authenticated. (165), and the ledger of the n' sender virtual accounts based on the recipient qualification authentication result for the recipient wireless terminal 200 information and the ledger access authority for the sender's transaction details of the n' sender virtual accounts ( 170), a sender virtual account inquiry means 115 for checking transaction details recorded on the sender side and checking m (m≥1) transaction details including the recipient wireless terminal 200 information, and the n' senders A transaction details transmission unit 155 is provided to transmit m transaction details identified from the virtual account to the recipient wireless terminal 200 .

When at least one wireless terminal that has received the remittance transaction request message accesses as a remittee and performs a procedure for verifying the subscriber status of the remittee (or the remittee wireless terminal 200) through the wireless terminal authentication means 150 , The payee wireless terminal confirmation means 165 checks whether the payee qualification of the payee (or the payee wireless terminal 200) is authenticated through the wireless terminal authentication means 150, and if the payee qualification is authenticated, the payee Information on the recipient wireless terminal 200 whose qualifications have been authenticated is checked.

When the recipient wireless terminal 200 information is confirmed, the sender virtual account inquiry means 115 grants the recipient access authority from the ledger 170 based on the recipient qualification authentication result for the recipient wireless terminal 200 information. n' sender's virtual accounts being maintained are checked, and transaction details on the sender's side recorded in the ledger 170 of the n' sender's virtual accounts based on the ledger access rights for the beneficiaries for the n' sender's virtual accounts. to check m sender side transaction details including the recipient wireless terminal 200 information in the transaction target item of the transaction details, and m to provide the confirmed sender side transaction details to the recipient wireless terminal 200. It is determined by the number of transactions.

When m transaction details including the recipient wireless terminal 200 information in the transaction target item of the transaction details are confirmed from the n' remitter virtual accounts, the transaction details transmission means 155 transfers the n' remitter virtual accounts. The m number of transaction details confirmed from is transmitted to the recipient wireless terminal 200, or a transaction details transfer message including the m transaction details is constructed and transmitted to the recipient wireless terminal 200.

Upon receiving the m transaction details, the recipient wireless terminal 200 configures m receipt transaction electronic documents corresponding to the received m transaction details and stores them in an electronic document storage area allocated to the memory unit 255, Thereafter, the recipient wireless terminal 200 can select m' number of receipt transaction electronic documents from among the m number of receipt transaction electronic documents stored in the electronic document storage area at any time to approve m' number of receipt transactions.

In addition, the receiver wireless terminal 200 outputs a receipt transaction decision interface for determining m' transaction details to approve the receipt transaction among the m transaction details. If m' receipt transaction approval transaction details are determined through the receipt transaction determination interface, the recipient wireless terminal 200 transmits the determined m' transaction details to the remittance transaction server 100.

Referring to Figure 1, the remittance transaction server 100, among the m transaction details from the recipient wireless terminal 200, m' (1≤m'≤m) transactions for which the recipient's remittance amount has been approved. Transaction detail receiving means 160 for receiving details, and when the m' number of transaction details are received, a virtual recipient who opens a virtual account of the recipient in the name of the recipient (or confirms a virtual account of the recipient in the name of the recipient that has already been opened) An account opening means 120 and a recipient virtual account operating means 125 for withdrawing remittance amounts corresponding to the m' number of transactions from the m' number of sender virtual accounts and transferring them to the recipient virtual account.

When m' transaction details determined through the remittance transaction determination interface are transmitted from the recipient wireless terminal 200, the transaction details receiving unit 160 approves receipt of the remittance amount of the recipient from the recipient wireless terminal 200. m' number of transaction details are received, and when the m' number of transaction details are received, the recipient virtual account opening means 120 sets up a virtual account in the name of the recipient to receive the remittance amount corresponding to the m' number of transaction details. Check if it is open.

If the virtual account in the name of the payee is not opened, the payee virtual account opening means 120 converts the authentication result of the payee's telecommunication company subscription status through the wireless terminal authentication means 150 to the payee for opening a virtual account. Regarding real name authentication, a virtual account of the recipient under the name of the recipient is opened in the ledger 170. That is, in this drawing 1, whether or not the sender's virtual account is opened is confirmed simultaneously with the sender's qualification authentication and is automatically opened based on the result of verifying the sender's telecommunications company subscription status before the sender requests remittance, whereas the recipient's virtual account is the recipient's virtual account. When m' transaction details are received from the wireless terminal 200, whether or not the transaction is opened is checked, and is selectively opened based on the result of verifying the subscriber status of the sender of the recipient.

If the payee virtual account is opened in the payee's name after the m' transaction details are received from the payee wireless terminal 200, or if the payee virtual account already opened in the payee's name is confirmed, the payee virtual account is operated. The means 125 checks the m' number of sender virtual accounts corresponding to the m' number of transaction details received from the recipient wireless terminal 200, and the recipient's ledger for the sender's transaction details of the m' number of sender virtual accounts. Based on the access authority, a transfer transaction between virtual accounts is processed in which the m' remittance amounts included in the m' transaction details are transferred from the m' remitter virtual accounts to the beneficiary's virtual account.

According to an embodiment of the present invention, when the recipient's ledger access authority for the sender's transaction details of the m' number of sender's virtual accounts includes the direct transfer authority, the recipient's virtual account operating means 125 provides the direct transfer authority. Based on this, the m' remittance amounts included in the m' transaction details are transferred from the m' remitter's virtual account to the recipient's virtual account.

According to another implementation method of the present invention, the recipient virtual account operating means 125 sets the recipient virtual account as a virtual collection account, and then sets the recipient's virtual account to the recipient's transaction details of the m' number of sender virtual accounts. After configuring the collection transaction information that uses the recipient virtual account as a virtual collection account based on the ledger access authority, m' included in the m' transaction details from the m' number of sender virtual accounts using the collection transaction information The amount of remittance can be transferred to the recipient's virtual account.

According to another implementation method of the present invention, when the virtual account of the sender and the virtual account of the recipient use the same real account (eg, a real account of a remittance transaction server 100 operating institution or a real account of a financial institution) as a mother account, The beneficiary virtual account operating means 125 maintains the actual funds for the m' remittance amounts deposited in the mother account according to a fund settlement procedure between a plurality of virtual accounts and the mother account, and based on the m' transaction details By configuring m' recipient-side transaction details (e.g., transaction details of receiving remittance amounts from m' sender virtual accounts) to be recorded in the transaction details of the recipient's virtual account, and recording them in the transaction details of the recipient's virtual account, The m' number of remittance amounts included in the m' number of transactions may be transferred from the m' number of sender's virtual accounts to the recipient's virtual account.

According to the implementation method of the present invention, when the m' number of transfer amounts included in the m' number of transactions are transferred from the m' number of sender virtual accounts to the beneficiary's virtual account, the sender virtual account operating means 110 It is possible to set the ledger access authority for the m' number of sender's transaction details recorded in the sender's virtual account corresponding to the m' number of transaction details to be inaccessible to the recipient, whereby the transaction details on the sender's side after the transaction is completed are no longer available to the beneficiary. not viewed by

On the other hand, the recipient wireless terminal 200 that has received the m number of transaction details will reject the receipt transaction from among the received m transaction details (or m receipt transaction electronic documents stored in the electronic document storage area). An interface for determining m”≤(m-m')) transaction details may be output, or an interface for rejecting the received transaction may be included in the numerical transaction determination interface and output.

If m “receipt transaction rejection target transaction details are determined among the m transaction details (or m receipt transaction electronic documents), the recipient wireless terminal 200 transmits the m” transaction details of which the receipt transaction is rejected, , In this case, the transaction details receiving means 160 receives m” transaction details of which the recipient is rejected from the recipient wireless terminal 200, and the sender virtual account operating means 110 receives the received m” Based on the ledger access rights for the transaction details, it is possible to access the m” number of transaction details recorded in the sender’s virtual account and set the ledger access authority for the m” number of transaction details on the sender side to a state where the recipient cannot access, As a result, transaction details on the sender's side where the transaction is completed are no longer inquired by the recipient.

If the access authority to the ledger of the m” number of transactions on the sender side is set to an inaccessible state to the recipient, and the recipient's intention to reject transactions for the m” number of remittance transactions is clearly confirmed, the sender virtual account operating means 110 A transaction cancellation message including the recipient's intention to reject the transaction is transmitted to the sender's wireless terminal 190 through the interface means 140, and the sender's wireless terminal 190 responds to the transaction cancellation message and sends the remittance transaction request. When cancellation (or suspension) or after a certain period of time elapses after the transaction cancellation message is delivered to the sender's wireless terminal 190, the sender's transaction details of the m" number of transactions canceled by the payee are stored in the ledger of the sender's virtual account. It is identified to be distinguished from other transaction details by deleting it at (170) or attaching a transaction cancellation flag.

2 is a diagram showing the functional configuration of the recipient wireless terminal 200 according to the implementation method of the present invention.

In more detail, Figure 2 shows access to the remittance transaction server 100 as a recipient, and among N remitter virtual accounts opened in the ledger 170 in response to a remittance transaction request from the remittance transaction server 100. Recipient's ledger 170 of n' sender's virtual accounts for which access to the ledger is set is searched to receive m transaction details corresponding to the sender's remittance request, and m' transaction details are selected from among the m transaction details It shows the functional configuration of the receiver's wireless terminal 200 including the program configuration for approving the receipt of the remittance amount. Those of ordinary skill in the art to which the present invention belongs may refer to and/or modify this Figure 2 Various implementation methods for functions provided in each wireless terminal may be inferred for the remittance transaction between the wireless terminals, but the present invention includes all the implementation methods inferred above, and the implementation method shown in FIG. 2 Its technical characteristics are not limited only by

For example, a person having ordinary knowledge in the technical field to which the present invention belongs accesses the remittance transaction server 100 as a sender by referring to and/or modifying this Figure 2, and through the remittance transaction server 100 When a virtual account of the sender in the name of the sender is opened in the ledger 170 and a certain amount of money is charged to the virtual account of the sender, the sender wireless terminal 190 configures the remittance transaction request information and transmits it to the remittance transaction server 100 It will be possible to derive the program configuration of, and it will be clear that the program configuration of the sender wireless terminal 190 and the program configuration of the receiver wireless terminal 200 shown in FIG. 2 are implemented as one program configuration. 2 illustrates and describes the configuration of a program provided in the recipient's wireless terminal 200 for convenience.

Referring to FIG. 2, the recipient wireless terminal 200 includes a control unit 205, a memory unit 255, a screen output unit 210, a key input unit 215, a sound output unit 220, and a sound input unit 225. ) and a wireless communication unit 235, a short-range communication unit 240, a USIM reader unit 245, a USIM 250, and a battery 230 for supplying power, and is added to a mobile phone or smartphone corresponding to the wireless terminal. Depending on the function to be, at least one terminal component may be further provided.

The control unit 205 is a general term for functional components that control the operation of the wireless terminal, includes at least one processor and an execution memory, and is connected to each functional unit provided in the wireless terminal through a bus (BUS). . According to the present invention, the control unit 205 loads and calculates at least one program code provided in the wireless terminal through the processor into the execution memory, and transfers the result to at least one functional unit through the bus. to control the operation of the wireless terminal. Hereinafter, for convenience, a functional component implemented in the form of program code to implement the present invention will be illustrated and described in the control unit 205 of FIG. 2.

The memory unit 255 is a generic term for non-volatile memory provided in the wireless terminal, and stores and maintains at least one program code executed by the control unit 205 and at least one data set used by the program code. do. The memory unit 255 basically includes a system program code and system data set corresponding to the operating system of the wireless terminal, a communication program code and communication data set for processing wireless communication connection of the wireless terminal, and at least one application program code. Application data sets are stored, and program codes and data sets for implementing the present invention are also stored in the memory unit 255.

According to the present invention, the memory unit 255 includes a program storage area (not shown) for storing program codes corresponding to the program configuration shown in FIG. 2, and an electronic document storage for storing at least one receipt transaction electronic document. furnish the area

The screen output unit 210 is composed of a screen output device (for example, a liquid crystal display (LCD) device) and an output module driving the same, and is connected to the control unit 205 through a bus to perform various operations of the control unit 205. Among the results, an operation result corresponding to the screen output is output to the screen output device.

The key input unit 215 is composed of a key input device having at least one key button (or a touch screen device interlocking with the screen output unit 210) and an input module that drives the key input device, and includes the control unit 205 and Connected by a bus, commands for commanding various operations of the control unit 205 are input, or data required for operation of the control unit 205 is input.

The sound output unit 220 is composed of a speaker that outputs a sound signal and a sound module that drives the speaker, and is connected to the control unit 205 through a bus to correspond to sound output among various calculation results of the control unit 205. The result of the operation is output through the speaker. The sound module decodes sound data to be output through the speaker and converts it into a sound signal.

The sound input unit 225 is composed of a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits sound data input through the microphone to the control unit 205 . The sound module encodes and encodes a sound signal input through the microphone.

The wireless communication unit 235 is a general term for communication components connecting wireless communication, and includes at least one of an antenna for transmitting and receiving a radio frequency signal of a specific frequency band, an RF module, a baseband module, and a signal processing module. 205 and is connected by a bus to transmit an operation result corresponding to wireless communication among various operation results of the control unit 205 through wireless communication, or to receive and transmit data through wireless communication to the control unit 205 At the same time, procedures of connection, registration, communication, and handoff of the wireless communication are maintained.

According to the implementation method of the present invention, the wireless communication unit 235 includes a mobile communication configuration for performing at least one of access to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA/WCDMA standard. do. Meanwhile, according to the intention of those skilled in the art, the wireless communication unit 235 complies with IEEE 802.16? It may further include a portable Internet communication configuration that performs at least one of access to the mobile Internet, location registration, data communication, and handoff according to standards, and the present invention is limited by the wireless communication configuration provided by the wireless communication unit 235. It is clearly stated that it does not.

The short-distance communication unit 240 is composed of a short-distance communication module that connects a communication session by using a radio frequency signal as a communication medium within a certain distance. It may include at least one of wireless communication. According to the implementation method of the present invention, the short-distance communication unit 240 may be integrated with the wireless communication unit 235 .

The USIM reader unit 245 is a general term for a configuration that exchanges at least one data set with a Universal SubscriberIdentity Module mounted on or detached from the wireless terminal based on the ISO/IEC 7816 standard, and the data Sets are exchanged in half-duplex communication via Application Protocol Data Units (APDUs).

The USIM 250 is a SIM type card equipped with an IC chip according to the ISO/IEC 7816 standard, and includes an input/output interface including at least one contact point connected to the USIM reader unit 245, and at least one IC. An IC chip memory for storing a program code for a chip and a data set, and a program code for the IC chip calculated according to at least one command transmitted from the wireless terminal connected to the input/output interface or extracting (or processing) the data set and a processor that transmits data to the input/output interface.

The input/output interface includes at least one contact of a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and an input/output (I/O). , the processor interfaces with the USIM reader unit 245 through the contact point. The IC chip memory stores system program codes and system parameters corresponding to the operating system of the IC chip and at least one security module, and includes at least one communication parameter necessary for accessing the wireless communication network of the wireless terminal in a fixed storage area. SIM (Subscriber Identity Module) information to be stored. According to the implementation method of the present invention, the IC chip memory includes at least one applet issuer-specific storage area (eg, SD (Security Domain) for storing program codes (=applet) and data sets produced by at least one applet issuer. )).

Referring to FIG. 2, the recipient wireless terminal 200 includes a server connection unit 260 that accesses the remittance transaction server 100 as a recipient through a communication network, and a ledger 170 from the remittance transaction server 100. Among the N (N>1) sender virtual accounts opened in the n (1≤n≤N) sender virtual accounts charged with a certain amount, the sender side transaction details for the remittance transaction requested from the sender wireless terminal 190 A transaction details receiving unit 265 for receiving m (m≥1) transaction details inquired based on the recipient's ledger access rights set in n' sender virtual accounts to be stored, and the recipient's ledger access rights are set to n An interface output unit 270 outputting a receipt transaction request interface for constructing and transmitting transaction details request information to inquire the sender's transaction details of the 'number of sender's virtual accounts', or the received m transaction details An electronic document storage unit 285 configured to configure m number of receipt transaction electronic documents corresponding to and store them in an electronic document storage area is further provided.

After receiving the receipt transaction request message corresponding to the remittance transaction request of the sender wireless terminal 190 from the remittance transaction server 100, the server connection unit 260 accesses the remittance transaction server 100 in response thereto. or, after receiving the m transaction details from the remittance transaction server 100, accessing the remittance transaction server 100 in response thereto, or outputting the m transaction details, the remittance transaction server (100), or by transmitting to the remittance transaction server 100 that a menu related to a receipt transaction request is selected through the key input unit 215 in a state in which the remittance transaction server 100 and the communication channel are connected, The recipient wireless terminal 200 is connected to the remittance transaction server 100 as a recipient.

Thereafter, the remittance transaction server 100 authenticates the communication company subscription status of the recipient wireless terminal 200 through the communication company server 180 to which the recipient wireless terminal 200 has access, and then the recipient (or the recipient wireless terminal 200) ) is authenticated, and the authentication result is shared with the recipient wireless terminal (200).

The interface output unit 270 is n' of n sender virtual accounts in which a certain amount is charged from the ledger 170 in which N sender virtual accounts are opened, in which the recipient's accessible state is maintained by the sender's remittance transaction request. A receipt transaction request interface for constructing and transmitting transaction details request information for inquiring the ledger 170 of n' senders' virtual accounts maintaining the transaction details of the number of senders can be output. Here, the receivable transaction request interface is implemented in the form of an interface that obtains the recipient's approval for requesting and receiving the m transaction details from the remittance transaction server 100 .

After the transaction details request information is transmitted to the remittance transaction server 100, the transaction details receiving unit 265 has n' ledger access rights of the recipient through the transaction details request information from the remittance transaction server 100. The ledger 170 of the sender's virtual account is inquired and m transaction details confirmed are received. Here, the transaction details of the m individual items are transaction details including the recipient wireless terminal 200 information as a transaction target item among the sender side transaction details of the n′ number of sender virtual accounts.

When m transaction details are received from the remittance transaction server 100, the electronic document storage unit 285 configures m receipt transaction electronic documents corresponding to the received m transaction details.

Here, the receipt transaction electronic document is a data file configured by substituting information of the sender wireless terminal 190 (or sender virtual account information), remittance amount information, and transaction detail reception date and time information into a predetermined electronic document data structure, or It includes a document file configured by substituting a set electronic document format. If the received transaction details include a remittance message, the receipt transaction electronic document may further include the remittance message. Or, if a receipt transaction validity period is set for the received m transaction details, the receipt transaction electronic document is the validity period for approving/rejecting the receipt transaction (or transaction expiration date) and the validity period (or transaction expiration date) after the expiration date. An automatic transaction condition (eg, a condition for automatically approving a received transaction or automatically rejecting a received transaction) may be further included.

When m receipt transaction electronic documents for the m received transaction details are configured, the electronic document storage unit 285 stores the receipt transaction electronic documents in the electronic document storage area of the memory unit 255 .

Referring to FIG. 2, the recipient wireless terminal 200 has an interface output unit that outputs a receipt transaction decision interface for determining m' (1≤m'≤m) receipt transaction approval transaction details among the m transaction details. 270, and a receipt transaction approval processing unit 275 configured to configure and transmit receipt transaction request information for requesting receipt transactions for the determined m' transaction details to the remittance transaction server 100, and the remittance transaction server ( 100), and a receipt transaction result output unit 280 for receiving and outputting receipt transaction result information for the receipt transaction request information, and when the receipt transaction for the m' transaction details is processed, the electronic document storage area An electronic document erasing unit 290 for erasing m' number of stored electronic documents for receipt transactions is further provided.

When m transaction details are received from the remittance transaction server 100 or when the m receipt transaction electronic documents are stored in the electronic document storage area, the interface output unit 270 outputs the m transaction details (or receipt transaction details). transaction e-document) is displayed, and detailed transaction information for the transaction details (or receipt transaction electronic document) selected from the list is further displayed, and receipt of the m transaction details (or receipt transaction electronic document) is displayed. Outputs the receive transaction decision interface that determines the m' number of transactions to be approved. For example, the receipt transaction determination interface may include a checkbox interface for selecting m' transaction details (or receipt transaction electronic documents) from among m transaction details (or receipt transaction electronic documents).

According to the implementation method of the present invention, the interface output unit 270 outputs m” (1≤m”≤(m-m')) number of transactions to be rejected among the m transaction details (or receipt transaction electronic documents). An interface for determining transaction details may be further output, or an interface for determining the m “receipt transaction rejection transaction details may be further included in the receipt transaction determination interface for determining the m’ receipt transaction approval transaction details for output. .

When m' receipt transaction approval transaction details are determined through the receipt transaction determination interface, the receipt transaction approval processing unit 275 constructs receipt transaction request information requesting receipt transactions for the m' number of transaction details, and the remittance is performed. It is transmitted to the transaction server 100. Here, the receipt transaction request information may include batch transaction information for collectively processing m' number of receipt transactions corresponding to the m' number of transaction details.

The remittance transaction server 100 that has received the remittance transaction request information confirms (or opens) the virtual account of the recipient in the name of the recipient, and then sends the transaction details of the m' number of remitter virtual accounts corresponding to the m' number of transaction details. After processing a transfer transaction between virtual accounts that transfers m' number of remittance amounts from the m' number of virtual accounts of the sender to the virtual account of the recipient based on the recipient's access to the ledger, the recipient corresponding to the transfer transaction between the virtual accounts Transaction result information is transmitted to the receiver wireless terminal 200 .

The receipt transaction result output unit 280 receives receipt transaction result information for m' transaction details corresponding to the receipt transaction request information from the remittance transaction server 100, and outputs the received receipt transaction result information. do.

When the receipt transaction result information is received from the remittance transaction server 100, the electronic document erasure unit 290 selects m' corresponding to the receipt transaction result information among the m receipt transaction electronic documents stored in the electronic document storage area. The number of receipt transaction electronic documents are deleted, or the m' number of receipt transaction electronic documents are moved to an electronic document storage area storing electronic documents for which receipt transactions have been completed.

If m” number of receipt transaction rejection transaction details among the m number of transaction details (or receipt transaction electronic documents) are determined through the interface output unit 270, the electronic document deletion unit 290 removes the electronic document storage area. Of the m number of stored electronic documents for receipt transactions, delete m” electronic documents for receipt transactions for which the receipt transactions are rejected, or transfer the m” number of receipt transaction electronic documents to an electronic document storage area for storing electronic documents for which receipt transactions are rejected. .

Figure 3 is a diagram showing a process of opening a virtual account for a sender according to the implementation method of the present invention.

In more detail, FIG. 3 identifies the wireless terminal accessing as the sender as the sender wireless terminal 190, authenticates the carrier subscription status through the carrier server 180, and then converts the verification result to the virtual account opening. It shows the process of opening a virtual account in the name of the sender by considering it as real name authentication for Various implementation methods for the process (eg, implementation methods in which some steps are omitted or the order is changed) may be inferred, but the present invention includes all the implementation methods inferred above, and is shown in FIG. The technical characteristics are not limited only to the implementation method.

Referring to Figure 3, when a program is run in a wireless terminal and accesses to the remittance transaction server 100 shown in Figure 1 as a sender through a communication network (300), the interface means 140 is the sender wireless terminal ) and the communication channel, and it is identified that the sender wireless terminal 190 has accessed as a sender (305). According to the implementation method of the present invention, the interface means 140 is accessed by manually executing the program in the wireless terminal, or when a menu related to a remittance transaction request is selected while being accessed through the program, the wireless terminal It is identified that the user who accessed through the terminal has accessed as a sender.

If it is identified that the wireless terminal has access as a sender (310), the wireless terminal authentication means 150 obtains information on the sender wireless terminal 190 connected as the sender, and the sender wireless terminal 190 After confirming the sender information for the sender and identifying the communication company corresponding to the sender wireless terminal 190 (315), the sender wireless terminal 190 information and the sender information are transmitted to the communication company server 180 to send the sender (or the sender's wireless terminal 190) is authenticated (320).

If the carrier subscription status of the sender (or sender wireless terminal 190) is not authenticated (325), the wireless terminal authentication means 150 transmits carrier subscription error information to the sender wireless terminal 190 (330). ).

On the other hand, when the sender's (or sender's wireless terminal 190) subscription status with the telecommunications company is authenticated (325), the sender's virtual account opening means 105 inquires the ledger 170 to obtain the name of the sender whose telecommunications company subscription status has been authenticated. It is checked whether the sender's virtual account is opened (335).

If the sender's virtual account in the name of the sender is not confirmed (340), the sender's virtual account opening means 105 regards the sender's telecommunication company subscription status authentication result as real name authentication for opening a virtual account and opens the ledger 170. (345).

On the other hand, if the sender's virtual account in the name of the sender is confirmed (340) or the sender's virtual account is newly opened through the sender's virtual account opening means (105) (345), the sender's virtual account charging means (130) It is checked whether the sender's virtual account is charged with a certain amount for processing the remittance transaction (350).

If a certain amount of money is not charged to the sender's virtual account (355), the sender's virtual account charging means 130 performs the sender's virtual account charging means 130 before (or simultaneously with) the sender's wireless terminal 190 receiving the remittance transaction request information. A predetermined amount is charged to the sender's virtual account through the sender's real account (or sender's payment method) through a program provided in the sender's wireless terminal 190 or through a financial transaction channel used by the sender (360).

4 is a diagram illustrating a process of requesting a remittance transaction by the sender wireless terminal 190 according to the method of the present invention.

In more detail, this drawing 4 shows that when the wireless terminal 190 of the sender connected as a sender is authenticated and the virtual account of the sender under the name of the sender is opened, the sender's wireless terminal 190 transfers money through the program. It shows the process of constructing transaction request information and transmitting it to the remittance transaction server 100 shown in Figure 1. If you have ordinary knowledge in the art to which the present invention belongs, refer to this Figure 4 and / or It will be possible to infer various implementation methods for the remittance transaction request process (eg, an implementation method in which some steps are omitted or the order is changed) by modification, but the present invention includes all the implementation methods inferred above, The technical characteristics are not limited only to the implementation method shown in FIG. 4.

Referring to Figure 4, when a virtual account for the sender is opened in the name of the sender and a certain amount is charged to the virtual account for the sender, the program of the sender's wireless terminal 190 connected as the sender transfers money based on the sender qualification authentication. An interface for inputting transaction request information is output (400), and when the interface is output (405), the remittance amount and recipient wireless terminal (200) information are input and processed through the interface (410), and the input remittance is performed. Remittance transaction request information including the amount and recipient wireless terminal 200 information is configured (415). Here, the interface further includes an interface for inputting a remittance message, and in this case, the remittance transaction request information further includes the remittance message.

If the remittance transaction request information is configured (420), the program of the sender wireless terminal 190 transmits the remittance transaction request information to the remittance transaction server 100 shown in FIG. 1 (002835).

5 is a diagram illustrating a process of processing a remittance transaction request of a sender wireless terminal 190 in the remittance transaction server 100 according to the method of the present invention.

In more detail, FIG. 5 shows n' corresponding to remittance transaction request information received from n' sender wireless terminals 190 through the process shown in FIG. 4 in the remittance transaction server 100 shown in FIG. 1. The present invention shows a process in which transaction details on the sender side are configured and recorded in the transaction details of n' senders' virtual accounts, and the access rights to the ledger of the n' sender side transaction details are maintained in an accessible state to the beneficiary. If you have ordinary knowledge in the relevant technical field, various implementation methods (eg, some steps are omitted or the order is changed) for the process of processing the remittance transaction request by referring to and/or modifying this Figure 5 ) can be inferred, but the present invention is made including all the implementation methods inferred above, and its technical characteristics are not limited only to the implementation method shown in FIG. 5.

Referring to FIG. 5, the remittance transaction request receiving means 135 sends n remittances charged with a certain amount among the N remitter virtual accounts opened in the ledger 170 through the process shown in FIG. n' remittance transaction request information is received from n' remitter wireless terminals 190 corresponding to the subset (500).

If the n' remittance transaction request information is received (505), the sender virtual account operating means 110 configures n' sender side transaction details based on the received n' remittance transaction request information ( 510), the configured n' sender side transaction details are recorded in the ledger 170 of the n' sender virtual accounts (515), and the ledger access authority for the n' sender side transaction details is set to be accessible to the recipient Maintain (520).

The receivable transaction request unit 145 transmits a remittance transaction request message to the remittee wireless terminal 200 corresponding to the remittee wireless terminal 200 information included in the n' sender side transaction details (525).

6 is a diagram illustrating a process of inducing a receipt transaction for processing a remittance transaction according to an embodiment of the present invention.

In more detail, FIG. 6 shows the recipient wireless terminal 200 shown in FIG. 2 accessing the remittance transaction server 100 shown in FIG. After authentication, m transaction details including the information of the recipient wireless terminal 200 among the n' recipient side transaction details maintained in the recipient accessible state through the process shown in FIG. 5 are transferred to the recipient wireless terminal 200 , and those skilled in the art to which the present invention pertains may refer to and/or modify this Figure 6 in various implementation methods for the receipt transaction induction process (eg, some steps are However, the present invention includes all the inferred implementation methods, and its technical characteristics are not limited only to the implementation method shown in FIG. 6.

Referring to FIG. 6, the recipient wireless terminal 200 responds to the remittance transaction request message transmitted through the process shown in FIG. (600), and correspondingly, the interface means 140 connects the communication channel with the recipient wireless terminal 200 and identifies that the recipient wireless terminal 200 has accessed as a recipient (605).

If it is identified (610) that the recipient wireless terminal 200 has accessed with the recipient qualification, the wireless terminal authentication means 150 obtains information on the recipient wireless terminal 200 accessed with the recipient qualification, and the recipient wireless terminal 200 accesses the recipient wireless terminal 200 After confirming the recipient information on the terminal 200 and identifying the communication company corresponding to the recipient wireless terminal 200 (615), the recipient wireless terminal 200 information and the recipient information are sent to the communication company server 180. and authenticates the carrier subscription status of the recipient (or the recipient wireless terminal 200) (620).

*

*If the carrier subscription status of the receiver (or receiver wireless terminal 200) is not authenticated (625), the wireless terminal authentication means 150 transmits carrier subscription error information to the receiver wireless terminal 200 ( 630).

On the other hand, if the receiver's (or receiver's wireless terminal 200) subscription status is authenticated (625), the receiver's wireless terminal confirmation unit 165 checks the receiver's wireless terminal 200 information for which the carrier's subscription status has been authenticated, (635), the sender virtual account inquiry means 115, through the process shown in FIG. Transaction details on the sender side are inquired and transaction details for m recipients including the recipient wireless terminal 200 information as a transaction target item in the transaction details are checked (640).

If the transaction details for the m recipients are not confirmed (645), the sender virtual account inquiry means 115 transmits transaction details inquiry error information to the recipient wireless terminal 200 (650).

On the other hand, when the m number of transaction details for the payee are confirmed (645), the transaction details transmission unit 155 transmits the confirmed m number of transaction details to the payee wireless terminal 200 (655).

7 is a diagram illustrating a process of approval/rejection of a receipt transaction for processing a remittance transaction according to an embodiment of the present invention.

In more detail, FIG. 7 shows that the recipient wireless terminal 200 shown in FIG. 2 determines m' receipt transaction approval transaction details among the m transaction details received through the process shown in FIG. The process of transmitting to the remittance transaction server 100 shown in , and the recipient wireless terminal 200 determines the details of the m” receipt transaction rejection transaction and transmits them to the remittance transaction server 100 to determine the m “receipt transaction details It shows a process of rejecting, and if you have ordinary knowledge in the art to which the present invention belongs, various implementation methods for the approval / rejection process of the receipt transaction by referring and / or modifying this Figure 7 (eg, An implementation method in which some steps are omitted or the order is changed) may be inferred, but the present invention is made including all the implementation methods inferred above, and its technical characteristics are not limited only to the implementation method shown in FIG. 7 No.

Referring to FIG. 7, the program of the receiver wireless terminal 200 receives (700) m transaction details transmitted through the process shown in FIG. After configuring and storing the document in the electronic document storage area (705), a receipt transaction decision interface for the m transaction details is output (710), and m'of the m transaction details is output through the receipt transaction decision interface. Receipt transaction approval transaction details are determined (720). If the m' number of receipt transaction approval transaction details are determined (720), the program of the recipient wireless terminal 200 configures receipt transaction request information for the determined m' number of transaction details and sends the remittance transaction server 100 It is transmitted to (725).

On the other hand, the program of the recipient wireless terminal 200 checks (730) whether m” receipt transaction rejection transaction details are determined among the m transaction details through the recipient determination interface, and if so, the m” receipt transaction rejection transaction details When this is determined (735), receipt transaction rejection information for the m” number of receipt transaction rejection transactions is configured and transmitted to the remittance transaction server 100 (740), and the transaction details receiving means 160 is the recipient Receives the m” number of rejection transaction details from the wireless terminal 200 (745), and the sender virtual account operating means 110 grants access to the ledger for the m” number of transaction details on the sender side to the recipient in an inaccessible state (750), and the program of the recipient wireless terminal 200 deletes the m” number of receipt transaction electronic documents of which the receipt transaction is rejected among the m number of receipt transaction electronic documents stored in the storage area (755).

8 is a diagram illustrating a remittance transaction processing process according to an embodiment of the present invention.

In more detail, FIG. 8 shows that when m' receipt transaction approval transaction details are received from the recipient wireless terminal 200 through the process shown in FIG. 7, the remittance transaction server 100 shown in FIG. It shows a process of processing a remittance transaction in which m' remittance amounts are transferred from the m' number of sender's virtual accounts to the recipient's virtual account based on the ledger access authority for the 'number of transaction details. Those skilled in the art will be able to infer various implementation methods for the remittance transaction processing process (eg, an implementation method in which some steps are omitted or the order is changed) by referring to and/or modifying this Figure 8. , The present invention is made including all the implementation methods inferred above, and its technical characteristics are not limited only to the implementation method shown in FIG. 8.

Referring to FIG. 8, the transaction details receiving unit 160 receives (800) m' number of receipt transaction approval transaction details transmitted from the recipient wireless terminal 200 through the process shown in FIG. 7, and The virtual account opening means 120 inquires the ledger 170 and confirms whether the virtual account of the payee under the name of the payee is opened (805).

If the payee virtual account in the payee's name is not confirmed (810), the payee virtual account opening means 120 regards the payee's telecommunications company subscription status authentication result as real name authentication for opening a virtual account, and opens the ledger 170. (815).

On the other hand, if the payee virtual account in the name of the payee is confirmed (810) or the payee virtual account is newly opened (815) through the payee virtual account opening means 120, the payee virtual account operating means 125 Based on the ledger access rights of the m' sender's virtual accounts, m' remittance amounts corresponding to the m' transaction details are transferred from the m' sender's virtual accounts to the receiver's virtual account (820).

If the m' number of transfer transactions are completed (825), the sender's virtual account operating means 110 sets the ledger access authority for the transaction details of the sender's m' number of transfer transactions to be inaccessible to the recipient (830). , The payee virtual account operating means 125 configures the payee transaction result information for the m' number of transfer transactions and transmits it to the payee wireless terminal 200 (835).

The program of the receiver wireless terminal 200 receives and outputs the receipt transaction result information (840), and receives m' pieces of receipt corresponding to the receipt transaction result information among the m pieces of receipt transaction electronic documents stored in the electronic document storage area. The transaction electronic document is erased (845).

105: Sender virtual account opening means 110: Sender virtual account operating means
115: Sender virtual account inquiry means 120: Recipient virtual account opening means
125: Recipient's virtual account operating means 130: Sender's virtual account charging means
135: Remittance transaction request receiving means 140: Interface means
145: Receipt transaction request means 150: Wireless terminal authentication means
155: Means for transmitting transaction details 160: Means for receiving transaction details
165: Recipient wireless terminal identification means 180: Communication company server
190: sender wireless terminal 200: receiver wireless terminal

Claims (4)

In the method executed through a transaction server providing a receipt transaction,
A first step of storing m (m≥1) transaction details for a receiver transaction of a designated receiver based on receiver wireless terminal information included in remittance transaction request information requested through at least one sender wireless terminal; and
When access is made from the recipient wireless terminal corresponding to the recipient wireless terminal information, m' recipients corresponding to the specified m'(1≤m'≤m) transaction details are received using the account information of the recipient in the name of the recipient designated by the recipient. A method for providing receipt transactions, including a second step of performing a transaction processing procedure.
The method of claim 1, wherein the first step,
The receiving transaction providing method further comprising the step of setting and storing an effective period during which the receiving transaction can be processed in the stored transaction details.
According to claim 1,
In the case of storing transaction details for receiving transactions,
processing to provide a remittance transaction request message including an interface for connecting to a remittee wireless terminal by installing or executing a program capable of processing a remittance transaction to a remittee wireless terminal corresponding to the remittee wireless terminal information; and
The method of providing a remittance transaction, characterized in that it further comprises a; step of installing or executing the program on the basis of the interface of the remittance transaction request message in the remittee's wireless terminal to confirm access.
The method of claim 1, wherein the second step,
The method of providing a remittance transaction, characterized in that it further comprises the step of performing an identity authentication procedure for the remittance transaction of the remittee in conjunction with the remittance wireless terminal.

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