KR100328576B1 - Method for transferring an account using mobile phone - Google Patents

Abstract

The present invention, without having to enter the user's bank account number and the recipient's bank account number, account transfer using a mobile communication terminal that allows the user to simply transfer the amount to be transferred using his mobile communication terminal A method comprising: a first step of transmitting money transfer request data including an identification code of a remitter and a corresponding receiver to a bank transfer server through a mobile communication terminal; A second step of requesting a transfer from the bank account specified based on the remitter identification code to the financial settlement server according to the receipt of the transfer request data; A third step of transferring the transfer requested amount to a bank account specified based on the identification code of the receiver according to the transfer request; A fourth step of, upon completion of the transfer of the amount, transmitting data on whether the transfer is successful including the identification data of the transfer transaction to the account transfer server; And a fifth step of transmitting the data transfer result data to the communication terminal of the recipient specified based on the recipient identification code, upon receipt of the data on whether the transfer is successful. It is a very convenient and useful invention because it is possible to simply transfer the amount using the mobile communication terminal number without the hassle of having to memorize or memo the account number of the transfer amount recipient one by one, and enter the long number of the account number.

Description

Transfer method using mobile terminal {Method for transferring an account using mobile phone}

The present invention relates to an account transfer method using a mobile communication terminal, and more particularly, without the user having to provide his or her own bank account number and the bank account number of the transfer amount recipient for transfer of money amount, It relates to an account transfer method using a mobile communication terminal that allows a simple transfer of the amount to be transferred using a communication terminal.

In the conventional account transfer method, the account can be automatically transferred using a communication medium (telephone, PC, etc.) without visiting the bank directly. The phone number is used to access the account transfer server, and when the call is made, the bank sends the corresponding bank account number or resident registration number as well as the amount to be transferred according to the voice message output from the bank. Recognize that you are a trader of the company, and also enter the password of your bank account to confirm that you are a valid trader, and the account number, etc. of the recipient of the transfer amount had to be entered.

However, in the conventional account transfer method as described above, if there are a large number of user banks, it is very cumbersome because all access numbers (telephone numbers, etc.) of multiple banks must be memorized or memoized for such a transfer service. Even after accessing the bank using the memorized or memorized access number, the user must continuously input data for account transfer such as his / her bank account number or social security number, the password of the bank account, and the recipient bank account number of the transfer amount. In addition, this also makes the user very cumbersome. In addition, the account transfer service, as described above, inputs the information for the account transfer one by one. It took a long time to reconfirm the data, In addition, transfer errors due to incorrect input of transfer information may occur due to input of long data, which may waste time unnecessarily for correction.

Accordingly, the present invention was created to solve the above problems, and provides a method for transferring an account using a mobile communication terminal, which allows a user to transfer the amount of money by simplifying an input procedure using his mobile communication terminal. The purpose is to.

Figure 1 shows the overall network configuration of the account transfer method using a mobile communication terminal according to the present invention,

FIG. 2 shows a detailed configuration of the account transfer server in the network configuration of FIG.

Figure 3 illustrates the flow of a preferred embodiment of the method of account transfer using a mobile communication terminal according to the present invention,

FIG. 4 shows user information stored in the hard disk HDD of FIG.

FIG. 5 shows goods sales destination information stored in the hard disk HDD of FIG.

Figure 6 shows another application example of the method of account transfer using the mobile communication terminal according to the present invention.

※ Explanation of code for main part of drawing

100,101: mobile communication terminal 200: CDMA mobile communication network

300: account transfer server 310: network connection

320: DTMF conversion / detection unit 330: central processing unit

331: Rom 332: Memory

340: voice data processing unit 350: voice storage disk

360: hard disk (HDD) 370: clock part

380: Voice Restorer 400: Bank Shared Network

500: financial settlement server 501,502: bank main computer

600: Public Telephone Network (PSTN) 700: Merchant

Account transfer method using a mobile communication terminal according to the present invention for achieving the above object, the money transfer request data consisting of the remitter and the recipient's identification code to the account transfer server through the mobile communication terminal; A second step of transmitting the requested transfer amount from a bank account specified based on the remitter identification code to a financial settlement server according to the receipt of the transfer request data; A third step of transferring the transfer requested amount to a bank account specified based on the identification code of the receiver according to the transfer request; A fourth step of, upon completion of the transfer of the amount, transmitting data on whether the transfer is successful including the identification data of the transfer transaction to the account transfer server; And a fifth step of transmitting the data transfer result data to the communication terminal of the receiver specified based on the receiver identification code according to the reception of the data on whether the transfer is successful or not.

In the account transfer method using the mobile communication terminal as described above, a remitter who wants to transfer a predetermined amount of money first makes a call to the account transfer server using his mobile communication terminal, and receives the transfer amount after the call connection. By inputting the recipient's identification code and the transfer amount, this data is wirelessly transmitted from the mobile communication terminal to the account transfer server connected thereto.

Accordingly, the bank transfer server transfers the requested transfer amount from the bank account specified on the basis of the remitter identification code received at the call connection to the bank account specified on the basis of the remitter identification code. A request is made to a payment server.

The financial settlement server 500, upon completion of the transfer of money, transmits data on whether the transfer is successful, including identification data of the corresponding transfer transaction, to the account transfer server, and the transfer account server determines whether the transfer is successful. In accordance with the reception of the data, the account transfer result data is transmitted to the communication terminal of the receiver specified based on the receiver identification code, so that the receiver can easily confirm whether or not the transfer amount has been deposited.

Hereinafter, an embodiment of an account transfer method using a mobile communication terminal according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram showing the entire network configuration of a method for transferring a account using a mobile communication terminal according to the present invention, a mobile communication terminal (hereinafter referred to as a "mobile phone") registered with a bank transfer service 100, a CDMA mobile communication network ( 200, the bank transfer server 300, the bank common network 400, the financial settlement server 500 is connected to the bank common network 400 and the main computer (501, 502, ...) of each bank, and the CDMA mobile communication network (200) It includes a merchant 700 registered with the use of the account transfer service having a communication terminal that is connected wirelessly (or wired to the public telephone network (PSTN) 600).

FIG. 2 illustrates a detailed configuration of the account transfer server 300 in the overall network configuration of FIG. 1, connected to a CDMA mobile communication network 200, transmitting and receiving connection signaling and signals, and A network connection unit 310 for performing data communication through the financial settlement server 500 and the bank common network 400; A DTMF conversion / detection unit 320 for converting and transmitting a telephone number into DTMF tones and detecting a received DTMF tone; A voice data processor 340 for digitizing the voice received through the network connection unit and extracting voice features such as voice patterns; A voice storage disk 350 in which a voice guide message (or text guide data) is stored in data form; A hard disk (HDD) 360 that stores management information such as an address, a telephone number, an account number of each program, a user (subscriber), and management information such as a registered merchant number or an account number; A clock unit 370 keeping track of the current date and time; A voice restorer 380 for restoring and compressing the compressed voice data stored in the voice storage disk 350 and transmitting the converted voice data into a voice message; A memory 332 for temporary storage of data; And a central processing unit 330 for performing operations on the ROM 331 and the hard disk 360 to perform operations such as searching and storing data of the hard disk 360 and data transmission and interpretation of received data. It is composed.

Figure 3 shows the flow of a preferred embodiment of the method of account transfer using a mobile communication terminal according to the present invention, hereinafter with reference to the network configuration of Figure 1 and the detailed configuration of the account transfer server of Figure 2 according to the present invention The bank transfer method of FIG. 3 will be described in detail.

First, in order to transfer money using a mobile communication terminal according to the present invention, a user and an affiliated store first apply for a subscription to a mobile communication operator operating the account transfer server 300. In this case, the user and the affiliated mobile communication provider The requested personal information (name, terminal phone number, transaction bank account number, if necessary, the password of the account number, etc.) is provided to the account transfer server 300, and accordingly the account transfer server 300 4 and 5, the management information of the user and the affiliate store in the form of subscription registration information as shown in FIG.

First, in order to explain in detail the account transfer method using the mobile communication terminal according to the present invention, it is assumed that the account transfer method is applied to the sale of goods. That is, a purchaser who wants to purchase goods under this assumption assuming the user as a goods purchaser and the affiliated store as a merchandise seller, visits the merchandise seller 700 directly and selects the goods to be purchased, or the merchandise seller Without directly visiting the 700, a product is selected through a communication medium (PC, telephone, etc.). If the desired product is selected in this way, the corresponding merchandise seller 700 of the purchase price for the item selected by the buyer The payment is requested, where the buyer pays for the goods using the mobile phone (100).

To this end, the purchaser makes a call request by inputting a special phone number designated in the corresponding bank transfer server 300, for example, a number such as '* 1001' using the dial button provided in the mobile phone 100.

In this case, since the mobile phone number of the user, that is, the purchaser of the goods and the unique serial number (ESN: Electronic Serial Number) of the mobile phone are stored in the mobile phone 100, the phone number of the called destination corresponds to a nearby base station. When transmitted to the CDMA mobile communication network 200, the mobile phone number of the user and the unique identification code of the mobile phone is also stored in the mobile phone 100 is also transmitted.

The base station receiving the call connection request data from the mobile phone 100 transmits the call destination requested data to the connected exchange, and the exchange control center (not shown) connected to the exchange is received by the user's mobile phone. Check the validity of the user from the phone number and the unique identification code, and if the user is a legitimate user, request a call using the access number (telephone number) of the corresponding destination received when the call is requested, and then access the call with the corresponding account transfer server 300. This is done (S10).

When a call connection is made with the account transfer server 300, the central processing unit 330 in the account transfer server 300 recognizes the fact through the network connection unit 310, and the network connection unit 310. From the incoming call signal of the digital form received directly from the phone number of the call-connected mobile phone 100 is confirmed.

As shown in FIG. 4, the CPU 330 searches the hard disk 360 in which the management information of the goods buyer, that is, the user, is stored, and confirms whether the confirmed phone number exists. If present, it is confirmed that the user is a registered subscriber.

As such, when the user is identified as a registered subscriber, the central processing unit 330 reads compressed voice data corresponding to the entire service selection guide message among voice guide messages previously stored in the voice storage disk 350. The read voice data is restored by the voice restorer 380 and converted into a voice message, and then output to the call-connected mobile phone 100 through the network connection unit 310. The voice message provided from the transfer server 300 is listened to, and the account transfer server 300 is in a service waiting state waiting for a response from the user.

The entire service selection guide message may be a voice guide with the following contents.

Press the number of the service you want.

1st Account Transfer

2nd: Balance check

3: Transfer history inquiry

No. 4: Terminal Lost Signal

...................... '

The user selects a specific item desired for service among all the service items described above (S11), and the designation of the specific item is also specified through the dial button on the mobile phone 100 according to the user's selection, or the user's development Can be specified via input.

The entire service selection guide message may be provided in the form of a short message based on a short message service (SMS) protocol, which is one of mobile communication services, not a voice message. In addition, the central processing unit 330 reads the text data for the corresponding selection guide stored in the hard disk 360, and the read text data is stored in the hard disk 360. The memory 332 may be reconfigured into an SMS format and transmitted to an access / paging channel of a CDMA mobile communication method through the network connection unit 310 and transmitted to the mobile phone 100 of the corresponding purchaser.

When the user selects the first, that is, the 'account transfer' service item from the mobile phone 100 through nurturing input (S20), the central processing unit 330 selects the network connection unit 310. The voice of the user, which is received and received through the voice data processing unit 340, is converted into digital compressed data, and stored in the hard disk 360 in association with the retrieved user telephone number and at the same time, the voice data processing unit 340 Extracts the feature of the voice pattern from the converted voice data of the user, and the CPU 330 compares the feature of the extracted voice with the feature of the word 'account transfer' which is stored in advance. You will notice that the 'Account Transfer' service item is selected.

If the user selects one of the entire service items, that is, the 'account transfer' service item through the dial button on the mobile phone 100, the selected service number is selected by the DTMF conversion / detection unit 320. As the code is detected and transmitted to the CPU 330, the CPU 330 recognizes that a 'account transfer' service item is selected.

In the above, storing the user's input on the mobile phone 100 on the hard disk 360 in the account transfer server 300 proves that the user directly made a transaction when a problem such as a user's transaction is later generated. It is intended to be used as evidence for the purpose.

As the central processing unit 330 recognizes that the 'account transfer' service item is selected, the central processing unit 330 may request a sequential input of necessary data for bank transfer (or text data). Read from the voice storage disk 350 and outputs to the call-connected mobile phone 100 through the network connection unit 310, the account transfer server 300 waits for the user's response service waiting state again Becomes

A user who listens to the voice prompt message through the mobile phone 100 (or visually recognizes the guide data through a display window) of the corresponding merchandise seller 700 that is necessary data for account transfer according to the voice prompt message. The mobile phone number, the price of the goods to be transferred, and the service use password are sequentially entered in the order of input request through the dial button provided in the mobile phone 100 (S21), and the DTMF conversion / detection unit 320 is Detecting DTMF signals sequentially input through the network connection unit 310, the CPU 330 checks the data input by the user from the detected DTMF signal.

Unlike the above input method, the mobile phone number of the merchandise seller 700 does not input the product price and the password sequentially according to each step, and since the amount of data to be input is small, it may be inputted continuously as follows: have.

When the data is input at the same time as described above, the central processing unit 330 is divided into a predetermined number of predetermined number to recognize the phone number and the like.

When the information for account transfer is input as described above, the central processing unit 330 searches the hard disk 360 to compare the input password with the password stored in association with the confirmed user mobile phone number. do.

As a result of the comparison, when the two passwords are not the same, the central processing unit 330 determines that the user is not a legitimate service user, and receives a voice prompt message (or text data) requesting re-entry of the password. By re-printing to the call-connected mobile phone 100, the user can recognize that the password was entered incorrectly, and can be re-entered.

When the CPU 330 determines that both passwords are the same as a result of the comparison between the two passwords, the CPU 330 determines that the user is a legitimate service user, and the CPU 330 searches for the hard disk 360. By doing so, the confirmed user mobile phone number and the account number stored in association with the mobile phone number of the corresponding merchandise seller 700 inputted for the account transfer are respectively confirmed (S22).

As a result of the checking, when there is at least one account number stored in association with the mobile phone number of the user and the corresponding merchandise seller 700 (S23), the central processing unit 330 transfers the account among the plurality of account numbers. By additionally outputting a voice message or a data message for selecting a specific account number to be used for the user, the user can select the account number of the person who wants to transfer the account and the account number of the corresponding merchandise seller 700.

According to the guide message, the user selects a specific account number that he / she wants to transfer from among a plurality of account numbers registered by the user through a dial button provided in the mobile phone 100, and the account of the corresponding merchandise seller 700 The number is also designated (S24).

Subsequently, the CPU 330 may be configured to store prestored voice data corresponding to the input data (or confirmation data reconstructed together with a text to easily identify the input data). By retransmitting to the call-connected mobile phone 100 through the user, the user can re-check while listening to (or visually) the data input by the user, such as' your account number 386-02- 0235XX, transfer amount 25,000 won, transfer amount recipient's account number 027-0875XX-12-503, please enter your transfer authorization password if it is correct and press * if it is wrong. If so, return to the procedure and take appropriate action, such as re-entering the data.

When the user who listens to the voice guidance message as described above agrees with the guidance, that is, when the bank transfer is approved, the user inputs the transfer approval password specified at registration through the dial button on the mobile phone 100 (S25).

The central processing unit 330 compares the transfer approval password directly input by the user with the transfer approval password of the corresponding user on the hard disk 360 (S26), and if the two passwords are not the same (S30). The central processing unit 330 determines that the user is not a legitimate user of the bank transfer service, and receives a voice message for re-entering a transfer approval password through the network connection unit 310. By reprinting), the user can recognize that he / she has entered the password incorrectly and re-enter it.

If both passwords are the same (S30), the central processing unit 330 determines that the user is a legitimate user of the account transfer service and fully approves the money transfer.

The above-described password input may confirm that the user is a valid transfer requester by performing only one input step of the service use password and the transfer approval password. You may be required to enter a password for your account to verify that you are a valid transfer requestor with this password alone.

In the above embodiment, the input of the necessary data for the account transfer is, in addition to the above dial button input, as in the selection of the 'account transfer' service item described above, through nurturing input for the number of users and pattern extraction thereof. It is also possible by comparison.

The central processing unit 330 confirms the user's trading bank from the identified user's trading bank account number, and requests the bank transfer from the verified trading bank therefrom (S31). The processing device 330 is the account number of the user for the transfer of the account, the password of the account previously registered and stored in association with (or entered) the account number of the user, the transfer amount (item price), the seller of the goods ( Data for account transfer such as an account number of 700 is transmitted to the financial settlement server 500.

Accordingly, the financial settlement server 500 that has been requested to transfer the account confirms the user transaction bank from the user account number provided from the account transfer server 300, and the main computer 501 of the identified transaction bank. ) By requesting the account transfer by providing the user account number received from the account transfer server 300, the password of the account, the transfer amount, the account number of the goods seller 700.

Accordingly, the main computer 501 of the corresponding bank compares the password registered in association with the received user account number and the password of the received user account. It will check if the balance exists.

If there is a balance above the transfer amount in the user account, the main computer 501 of the bank transfers the requested transfer amount from the account, and transmits the details to the financial settlement server 500 and the financial settlement. The server 500 requests a deposit to the main computer 502 of the transaction bank 700 of the merchandise seller 700 together with the account number of the merchandise seller 700 and the user account number to deposit the amount according to the withdrawal amount. do.

When the transfer is completed according to this procedure, the financial settlement server 500 identifies the transfer transaction from the data such as the user (sender) account number, the transfer amount, the account number of the recipient (the seller) of the transfer amount. The data is constructed and transmitted to the account transfer server 300.

When the bank transfer server 300 confirms that the transfer is successfully completed from the identification data of the transfer transaction received (S40), the central processing unit 330 in the bank transfer server 300 is shown in FIG. As shown in 4 and 5, the transfer history is stored in the hard disk 360 for the remitter and the receiver, respectively.

Subsequently, the central processing unit 330 informs the merchandise sales company 700 of the completion of the normal transfer of the goods price, and the user (remitter) name (or mobile phone number) in the management information of the hard disk 360. , The transfer notification data is configured in the memory 332 from data such as the amount of money transferred and transaction date and time, and also the access number, that is, the telephone number, of the corresponding merchandise seller 700 is checked and the DTMF conversion / detection unit ( 320 is converted into a DTMF signal and transmitted to the external CDMA mobile communication network 200 or the public telephone network 600 through the network connection unit 310, thereby making a call connection with the communication terminal provided in the merchandise seller 700. You lose.

In this case, the terminal of the merchandise distributor 700 may be a CDMA mobile communication terminal registered with a number for account transfer or a separate wired telephone (or wired dedicated payment terminal). In the case of a wired terminal, a public telephone network (PSTN) ( When the call connection is made in the case of 400, and the call connection is made with the terminal of the merchandise seller 700, the central processing unit 330 is the call connection communication terminal, the account transfer notification data configured as described above. (S41).

In addition, the notification data can be transmitted to the merchandise distributor 700 via a mobile phone and a wired terminal provided in the merchandise distributor 700 as described above. However, the notification data can also be registered in the hard disk 360. By using the access number (e-mail address, facsimile number, etc.) of the merchandise distributor 700, it is also possible to notify via e-mail, facsimile or the like.

The CPU 330 notifies the user's mobile phone 100 of the transfer request, whether the requested transfer is successful or not, and the CPU 330 determines whether the transfer is successful. When the call is released to the 100, the call is connected and then provided in the form of a voice message or data, so that the user can check whether or not the normal transfer of the price of the goods requested by the transfer is made.

The account transfer method using the mobile communication terminal according to the present invention, in addition to the account transfer between the user and the affiliated store according to the goods purchased as described above, as well as having a mobile communication terminal as shown in Figure 6 and the account transfer server 300 Of course, it is also applicable to the transfer of money between all the users (subscribers) registered in the, the procedure is the same as described above.

Account transfer method using a mobile communication terminal according to the present invention as described above, the user has to memorize or memorize the account number of his or her transaction account and the transfer amount recipient one by one, and then enter a long number account number It is very convenient to designate the transfer destination by using a relatively small number of mobile communication terminals without any burden, and it is very convenient. In addition, when using such a transfer method when purchasing goods, the user is at risk of loss. Instead of having a lot of cash or credit card, you can simply pay for the goods by transfer through the mobile communication terminal, it is a very useful invention that can promote the spread of credit transactions.

Claims (10)

In the account transfer method, In the account transfer server, with at least one bank account of the service subscriber registered, A first step of transmitting the money transfer request data including the identification code of the remitter subscribed to the service and the corresponding receiver to the account transfer server through a mobile communication terminal; A second step of requesting a transfer from the bank account specified on the basis of the remitter identification code to the bank account specified on the basis of the recipient identification code upon receipt of the transfer request data; A third step of transferring the transfer requested amount to a bank account specified based on the identification code of the receiver according to the transfer request; A fourth step of, upon completion of the transfer of the amount, transmitting data on whether the transfer is successful including the identification data of the transfer transaction to the account transfer server; And And a fifth step of transmitting the account transfer result data to the communication terminal of the receiver specified based on the receiver identification code in response to receiving the data on whether the transfer is successful. The method of claim 1, The data transfer method of the first step and the fifth step is carried out through a code division multiple access (CDMA) mobile communication network line. The method of claim 1, The remitter identification code, the account transfer method using a mobile communication terminal, characterized in that the mobile communication terminal is configured to include a phone number of the mobile communication terminal is automatically sent according to the call connection through the mobile communication network. The method of claim 1, The fourth step further comprises the step of notifying the mobile communication terminal requesting the transfer via the mobile communication network of the result of the transfer according to the receipt of the data on whether the transfer is successful. Account transfer method using. The method of claim 1, The account transfer result data, the account transfer method using a mobile communication terminal, characterized in that it includes information such as the name of the transfer, the transfer amount. In the account transfer method, In the account transfer server, with at least one bank account of the service subscriber registered, A first step of receiving, via a mobile communication network, a wire transfer request data of a transfer amount, including a subscription amount of a service remitter and a receiver identification code; A second step of requesting a transfer from the bank account specified on the basis of the remitter identification code to the bank account specified on the basis of the receiver's identification code upon receipt of the transfer request data; A third step of receiving data on whether a transfer is successful according to the transfer request, including identification data of a transfer transaction; And And a fourth step of transmitting the account transfer result data to the communication terminal specified based on the identification code of the receiver upon receiving the data on whether the transfer is successful. The method of claim 6, The identification data of the transfer transaction, the account transfer method using a mobile communication terminal, characterized in that it includes information such as the bank account number and the transferred amount of the sender and recipient. The method of claim 6, The identification code of the remitter and the receiver is a telephone number of the mobile communication terminal, the account transfer method using a mobile communication terminal. The method of claim 6, In the second step, when there are a plurality of bank accounts corresponding to the identification codes of the remitter and the receiver, the plurality of bank accounts are notified and the transfer request is specified by the remitter. Account transfer method using a mobile communication terminal. The method of claim 6, The second step, A first step of retransmitting the received wire transfer request data to the mobile communication terminal through a mobile communication network; A second step of receiving an approval password of a user input in response to retransmission of the bank transfer request data; And The transfer amount is requested from the bank account specified on the basis of the remitter identification code to the bank account specified on the basis of the identification code of the receiver according to the user's legitimacy based on the received authorization password. Account transfer method using a mobile communication terminal, characterized in that it comprises a third step.