KR100466652B1 - Method for guaranteeing financial transactions by using wireless network - Google Patents

Abstract

The present invention relates to a secure financial transaction method using a mobile communication network, which is executed in a mobile communication system combined with a system of a financial institution through a network, and a method for approving a financial transaction of a customer, The method comprising the steps of: receiving a financial transaction confirmation request from the system of the financial institution; confirming the location of the mobile communication terminal of the customer; calculating a distance between the location of the mobile communication terminal of the customer and the location of the financial transaction terminal; Determining whether the financial transaction request is a normal transaction, and if the transaction is a normal transaction, transmitting a normal transaction confirmation notification to the system of the financial institution; and if the transaction is a provisional abnormal transaction, Transmitting an acknowledgment message to the mobile communication terminal; Checking whether the confirmation information received from the mobile communication terminal is valid in response to the check result; and transmitting a normal transaction confirmation notification to the system of the financial institution if the confirmation result is valid, And transmitting an abnormal transaction confirmation notification to the system of the financial institution.

Description

[0001] METHOD FOR GUARANTEEING FINANCIAL TRANSACTIONS BY USING WIRELESS NETWORK [0002]

FIELD OF THE INVENTION The present invention relates to a secure financial transaction method using a network and a storage medium on which the method is recorded. More particularly, the present invention relates to a transaction approval method that can guarantee the safety of financial transactions through an ATM or a credit card terminal using a mobile communication network.

In recent years, there have been frequent occurrences related to financial transactions, and the rate of increase is increasing. It is the most representative type of financial transaction-related incidents, such as robbing, stealing or acquiring someone's cash card or credit card, withdrawing cash in secret or threatening the owner of the cash card to withdraw cash Type. These types of financial transaction-related accidents not only cause serious financial damage to the person, but they can also pose a serious threat to the life of the owner of the card. In addition, if a credit card is robbed, stolen or lost to another person, the credit card holder himself or herself may be seriously injured in financial condition.

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a method and apparatus for checking the identity of the owner of a financial transaction in order to prevent a loss due to a financial transaction that has occurred beyond the scope of his or her own control for reasons such as loss, theft, Which can securely carry out financial transactions only through the Internet.

Another object of the present invention is to automatically transmit the position of the owner who is threatened by the user to the security institution such as the police or the security company by automatically transmitting the position of the other person who intends to conduct a financial transaction in a state of threatening him / The present invention provides a safe financial transaction method that can easily solve an emergency situation that is threatened by the threat of a financial transaction.

1A to 1H are schematic configuration diagrams of various position information systems.

2 is a flow chart schematically illustrating a secure transaction method according to the present invention;

FIG. 3A is a flowchart illustrating a first preferred embodiment of a secure transaction method using a double password; FIG.

FIG. 3B is a flowchart showing a second preferred embodiment of a secure transaction method using a double password; FIG.

FIG. 4A is a flowchart showing a third embodiment of a secure transaction method using distance restriction; FIG.

4B is a flowchart showing a fourth embodiment of a secure transaction method using distance restriction.

5 is a flowchart showing a fifth embodiment of a safe transaction method using a safe transaction area.

6A to 6C are flowcharts illustrating a sixth embodiment of a safe transaction method using a safe transaction area.

FIG. 7A is a flowchart illustrating a safety transaction method according to a seventh preferred embodiment of the present invention. FIG.

FIG. 7B is a flowchart illustrating a safety transaction method according to an eighth embodiment of the present invention; FIG.

According to a preferred embodiment of the present invention, there is provided a method for approving a financial transaction of a customer, the method being executed in a mobile communication system combined with a system of a financial institution through a network, Receiving a financial transaction confirmation request including at least one of customer identification information, a location of a financial transaction terminal, and a password entered by a customer from a system of a financial institution; The method comprising the steps of: checking the location of the connected mobile communication terminal; calculating a distance between the location of the mobile communication terminal of the customer and the location of the financial transaction terminal; Using the at least one of the calculated distance and the password, Determining whether the request is a normal transaction, and if the transaction is a normal transaction, transmitting a normal transaction confirmation notification to the system of the financial institution; and if the transaction is a provisional abnormal transaction, Checking whether the confirmation information received from the mobile communication terminal is valid in response to the confirmation message; and if the check result is valid, transmitting a normal transaction confirmation notification to the system of the financial institution And sending an abnormal transaction confirmation notification to the system of the financial institution if the verification result is not valid.

The location of the mobile communication terminal may be at least one of GPS, AGPS, AFLT, TOA, TDOA, AOA, radio camera, AFLT- AGPS mixing method or a cell ID method, and the confirmation information is authentication information composed of a combination of numbers, letters, numbers, and characters preset by the customer and managed by the mobile communication system.

The step of determining whether the financial transaction request is a normal transaction using at least one of the safety transaction area, the calculated distance, and the password, which the customer has set in advance, includes the steps of: Determining that the financial transaction request is a normal transaction if the calculated distance is within a predetermined distance as a result of the determination; and if the calculated distance is greater than or equal to a predetermined distance, And defining the transaction request as a temporary abnormal transaction.

The step of determining whether the financial transaction request is a normal transaction using at least one of the safety transaction area, the calculated distance, and the password, which the customer has set in advance, includes the steps of: Determining whether the location of the financial transaction terminal corresponds to the safe transaction area, determining whether the location of the financial transaction terminal corresponds to the safe transaction area, If the location of the financial transaction terminal does not correspond to a safe transaction area or if the calculated distance is a predetermined distance or more, The transaction request is defined as a temporary abnormal transaction, and the temporary abnormal transaction notification And recording all the mobile communication terminal holders included in the mobile communication terminal and within a minimum radius of the place where the financial transaction terminal is located.

The system of the financial institution may further include the steps of: receiving a financial transaction approval request from the financial transaction terminal; transmitting the financial transaction confirmation request to the mobile communication system; Determining whether the financial transaction confirmation notification received from the mobile communication system is a normal transaction confirmation notification, and if the determination result is a normal transaction confirmation notification, approving the financial transaction request; The step of disallowing the financial transaction request may be performed.

The system of the financial institution may further include the step of limiting the payment limit of the financial transaction request to a predetermined payment limit if the determination result is a temporary abnormal transaction notification and if the abnormal transaction confirmation notification is notified, Further steps can be taken to set approvals.

In addition, the step of determining whether the financial transaction request is a normal transaction using at least one of the safety transaction area, the calculated distance, and the password, which the customer has set in advance, comprises the steps of: determining whether the password is an emergency password Determining whether the calculated distance is equal to or greater than a predetermined distance; and if the calculated password is an emergency password and the calculated distance is equal to or greater than a preset distance, And transmitting the temporary abnormal transaction notification to the system of the financial institution and recording all the mobile communication terminal holders included within the minimum radius of the place where the mobile communication terminal and the financial transaction terminal are located can do.

The system of the financial institution may further include the steps of: receiving a financial transaction approval request including the password from the financial transaction terminal; determining whether the password is a normal password; Determining whether the financial transaction confirmation notification received from the mobile communication system in response to the financial transaction confirmation request is a normal transaction confirmation notification, if it is not a password, transmitting the financial transaction confirmation request to the mobile communication system; If the determination result is a normal transaction confirmation notification, releasing the payment limit and approving the financial transaction request, and if the determination result is an abnormal transaction confirmation notification, the step of disallowing the financial transaction request is performed .

In addition, the system of the financial institution may further include a step of limiting the payment limit of the financial transaction request to a predetermined payment limit if the determination result is a temporary abnormal transaction notification.

According to another aspect of the present invention, there is provided a method for approving a financial transaction of a customer, the method being executed in a mobile communication system combined with a system of a financial institution through a network, Receiving a financial transaction confirmation request including at least one of customer identification information, a location of a financial transaction terminal, and a password entered by a customer from a system of a financial institution; Determining whether a transaction of the financial transaction request is a normal transaction using at least one of a safety transaction area, a confirmed location, and a password, which is set in advance by the customer; And if it is determined as a result of the determination that the transaction is a normal transaction, Transmitting a confirmation message to the mobile communication terminal if the determination result indicates that the mobile communication terminal is a provisional abnormal transaction; and transmitting the confirmation message received from the mobile communication terminal to the mobile communication terminal in response to the confirmation message. Determining whether the abnormal transaction confirmation notification is valid; transmitting a normal transaction confirmation notification to the system of the financial institution if the confirmation result is valid; and transmitting the abnormal transaction confirmation notification to the system of the financial institution if the confirmation result is not valid A safe financial transaction method is provided.

According to another aspect of the present invention, there is provided a method of safely performing a financial transaction of a customer, the method being executed in a financial institution system and a mobile communication system, the method comprising: Determining a location of the mobile communication terminal of the customer in accordance with the financial transaction approval request; calculating a distance between the location of the mobile communication terminal of the customer and the location of the financial transaction terminal; Determining whether the financial transaction request is a normal transaction by using at least one of the safe transaction area, the calculated distance, and the password, which the customer has set in advance; and if the transaction is a normal transaction, And if the mobile communication terminal is a temporary abnormal transaction, Transmitting a confirmation message to the mobile communication terminal, limiting the payment limit of the financial transaction request to a preset payment limit, checking whether the confirmation information received from the mobile communication terminal is valid in response to the confirmation message, And accepting the financial transaction request if the verification result is valid, and disallowing the financial transaction request if the confirmation result is not valid.

The step of determining whether the financial transaction request is a normal transaction using at least one of the safety transaction area, the calculated distance, and the password, which the customer has set in advance, includes the steps of: Determining that the financial transaction request is a normal transaction if the calculated distance is within a predetermined distance as a result of the determination; and if the calculated distance is greater than or equal to a predetermined distance, And defining the transaction request as a temporary abnormal transaction.

The step of determining whether the financial transaction request is a normal transaction using at least one of the safety transaction area, the calculated distance, and the password, which the customer has set in advance, includes the steps of: Determining whether the location of the financial transaction terminal corresponds to the safe transaction area, determining whether the location of the financial transaction terminal corresponds to the safe transaction area, If the location of the financial transaction terminal does not correspond to a safe transaction area or if the calculated distance is a predetermined distance or more, And defining the transaction request as a temporary abnormal transaction.

In addition, the step of determining whether the financial transaction request is a normal transaction using at least one of the safety transaction area, the calculated distance, and the password, which the customer has set in advance, comprises the steps of: determining whether the password is an emergency password Determining whether the calculated distance is equal to or greater than a predetermined distance; and if the calculated password is an emergency password and the calculated distance is equal to or greater than a preset distance, And may be defined as a temporary abnormal transaction.

If the financial transaction request is a temporary abnormal transaction or the confirmation information is not valid, the mobile communication terminal and the financial transaction terminal may be provided with a recording request for recording all the mobile communication terminal holders included in the minimum radius of the place where the mobile communication terminal and the financial transaction terminal are located. To the mobile communication system.

According to another aspect of the present invention, there is provided a method of safely performing a financial transaction of a customer, the method being executed in a financial institution system and a mobile communication system, the method comprising: receiving The method comprising the steps of: confirming a location of the mobile communication terminal of the customer connected to the mobile communication system; determining whether the mobile communication terminal is connected to the mobile communication system by using at least one of the safety transaction area, The method comprising the steps of: determining whether the financial transaction request is a normal transaction; if the transaction is a normal transaction, approving the financial transaction request; and if the transaction is a provisional abnormal transaction, , And transmits the confirmation message to the mobile communication terminal The method comprising: confirming whether the received confirmation information is valid; approving the financial transaction request if the confirmation result is valid; and disabling the financial transaction request if the confirmation result is not valid A transaction method is provided.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The present invention is based on the fact that a mobile communication subscriber always carries a terminal, and in a place where an ATM device is installed or a place where a credit card terminal is installed (hereinafter, an ATM device and a credit card terminal are collectively referred to as a ' And more particularly, to a method for securing the safety of a mobile communication subscriber in a financial transaction (such as cash withdrawal or card settlement). To this end, the present specification discloses a method and system for (1) double password (normal password and emergency password), (2) distance restriction, (3) Various embodiments for securing the security of the financial transaction of the mobile communication subscriber are described in detail. The essence of the invention described in the present invention is that the mobile communication system grasps the location of the financial transaction and the location of the mobile communication terminal and approves the financial transaction together with the financial institution in duplicate. When the approval fails (that is, And to take appropriate action to deal with it.

Before describing the specific embodiments according to the present invention, various location information systems that can be used in the practice of the present invention will be briefly described.

1A is a position information system of an AGPS (Assisted GPS) method, FIG. 1B is a position information system of an AFLT (Advanced Forward Link Triangulation) method, FIG. 1C is a position information system of a radio camera (Multipath Fingerprinting) 1E shows a position information system of TOA (Time of Arrival), FIG. 1F shows a position information system of TDOA (Time Difference of Arrival), FIG. 1G shows a position information system of a hybrid system And Fig. 1H show a schematic configuration diagram of the position information system of the cell ID system.

A location information system provided by a communication service provider refers to a broad system for locating a subscriber using a communication network system and a GPS device and providing an additional service through the location thereof. The location information system is largely classified into a mobile station based location information system, a communication network based location information system, and a hybrid (hybrid) location information system. (GPS), Assisted GPS (AGPS), Advanced Forward Link Triangulation (AFLT), and the like. The communication-based location information systems include TOA (Time of Arrival), TDOA Difference of Arrival, Angle of Arrival (AOA), and Multipath Fingerprinting. A mixed location information system is QUALCOMM's gpsOne ^TM which combines AFLT and AGPS. Since the GPS-based position information system is well known, the position information system shown in Figs. 1A to 1H will be mainly described below.

Auxiliary GPS (AGPS) is a location information system developed to solve the problem of late system booting speed and terminal power consumption which is a problem of existing GPS system. It is a position information system in which a base station uses partial GPS information Information systems.

The extended forward triangulation (AFLT) scheme is a method of calculating the position of a subscriber by using a time difference between a base station transmission signal and a terminal-based TDOA technique. The AFLT position calculation is performed by (1) measuring the arrival time of signals from three or more base stations, (2) calculating a distance by dividing the time difference from each base station, and calculating a position of the subscriber by drawing a hyperbola based on the difference . For this, synchronization between each base station is essential, and transmission time measurement method, multipath, and NLOS transmission determine the calculated position accuracy.

The radio camera method is a method of calculating a position of a terminal using both a direct path component and a multipath component of a terminal transmission signal. The position calculation by the radio camera method is performed by (1) generating an RF signature by using a radio camera in the base station, and then transmitting the RF signature to the positioning module, (2) As shown in FIG. The characteristics of the radio camera method are as follows: (1) Unlike other network-based technologies, only signals received from one base station are used; (2) multipath components that limit the accuracy in TDOA or AOA are used as location information It is a point. However, there is a disadvantage in that all base stations must be equipped with a radio camera device.

The arrival angle (AOA) method is a method of calculating the position of a terminal by using the incident angle of the terminal transmission signal to the base station. The position calculation by the AOA method is performed by measuring the incident angle of the terminal transmission signal at two or more base stations. For this purpose, an antenna array for measuring the incident angle of the base station is required. The AOA method determines the accuracy of the calculated position by (1) the method of measuring incident angle, multipath, NLOS transmission, and multiple access interference, and (2) There is an increased disadvantage.

The time difference of arrival (TDOA) scheme is a method of calculating a position using a time difference that a terminal transmission signal reaches to a base station, and does not require accurate time information on a time point when a signal is transmitted by a terminal. The TDOA method calculates (1) the arrival time of the terminal signal at three or more base stations, (2) converts the time difference to each base station into distance, do. For this, synchronization between base stations used for position measurement is essential. The TDOA scheme determines the accuracy of the calculated positions of (1) the transmission time measurement scheme, multipath, NLOS transmission, and multiple access interference, and (2) have.

The hybrid method combines the AFLT and the AGPS to calculate the position of the terminal by receiving the transmission signal from three base stations, calculating the position by the triangulation method, and receiving the GPS signal from the communication network.

The cell ID scheme is a method of calculating a position of a mobile station by searching for a cell in which a subscriber is currently located. The cell ID scheme is a method of calculating a position of a mobile station by using a home location register (HLR) or a visitor location register (VLR) And the position of the terminal can be grasped on a cell-by-cell basis using the equipment of FIG. However, the cell ID scheme has a disadvantage in that the accuracy of the cell ID scheme is significantly lower than that of the position information system of the other scheme described above.

2 is a flowchart schematically illustrating a security transaction method according to the present invention. The present invention relates to a method implemented in a system of a mobile communication network and a financial institution linked to the mobile communication network. In the case where a system of a mobile communication network and a financial institution is not distinguished as a system, And Fig.

In step 100, when the customer who has the mobile communication terminal subscribes to the safe financial transaction service and requests financial transaction through the financial transaction terminal, the card information is read from the cash card or the credit card held by the customer, , A password is additionally input from the customer.

In step 102, when a financial transaction request is received from the customer, it is confirmed whether or not the customer subscribes to the secure financial transaction service. Confirmation of whether or not to join can be done by searching the database in which the customer information is stored. In this step, it is preferable that the customer confirms the type of the safety financial transaction service designated in advance by the customer. If the customer has not subscribed to the safe financial transaction service, the process proceeds to step 104 to end normal transaction approval. If the customer subscribes to the secure financial transaction service, the process proceeds to step 106.

At step 106, the customer applies a pre-selected safety financial transaction service.

When a customer subscribed to a double password service consisting of a normal password and an emergency password requests a cash withdrawal transaction from a financial transaction terminal using a cash card, if the password entered from the customer is a normal password, it is approved as a normal transaction . However, if the entered password is an emergency password, it is classified as an abnormal transaction, and only the withdrawal within the preset payment limit is allowed.

When a customer who subscribes to the distance restriction service requests a cash withdrawal transaction from a financial transaction terminal using a cash card or requests approval of payment using a credit card, after approving the normal transaction, the mobile communication terminal Locate and locate the point of origin of the financial transaction and approve the transaction.

When a customer who subscribes to a safe transaction local service requests a cash withdrawal transaction from a financial transaction terminal using a cash card, the customer first confirms whether the financial transaction occurrence point is a predetermined safe transaction area. If the location of the current financial transaction falls within the pre-established safe transaction area, the customer will normally approve the requested financial transaction. However, if the location of the current financial transaction is not a preset safe transaction area, it is classified as an abnormal transaction and only the withdrawal within the preset payment limit is allowed.

In step 108, if the customer's financial transaction request is classified as an abnormal transaction, it is confirmed whether the position of the financial transaction request point and the position of the customer's mobile communication terminal are within a predetermined distance. The financial transaction request point can be obtained from the location of the financial transaction terminal location. The position of the customer's mobile communication terminal can be obtained by any one of GPS, AGPS, AFLT, TOA, TDOA, AOA, radio camera, AFLT-AGPS hybrid method or cell ID method. If the location of the customer's mobile communication terminal is within a predetermined distance from the financial transaction request point (1), it can be determined that the transaction is normal and approved (proceed to step 110), (2) (Proceeds to step 112). This is because the customer may have requested a financial transaction by coercion or threat, even if it is within a certain distance from the request point of the transaction. Also, when a location information system having a large measurement error such as a cell ID system is used, it is preferable to perform a confirmation procedure because a financial transaction request point and a terminal can be simultaneously located in the same cell. Accordingly, if it is determined that the customer's confirmation information is to be received by the setting even if the distance between the financial transaction request point and the customer is out of a predetermined distance or within a predetermined distance, the process proceeds to step 112.

In step 112, a confirmation message is transmitted to the customer's mobile communication terminal. The confirmation message includes the contents of the abnormal transaction, and is preferably an ARS voice call or a two-way message such as a return message, an SMS callback (CALLBACK), or a URL push. Thus, upon receipt of the confirmation message, the customer can send confirmation information (e.g., availability of call with the customer or input of emergency authentication information) to the SMS message center, ARS or web site. According to the embodiment, the case where the customer does not receive the confirmation message may be regarded as the occurrence of an emergency, and the necessary countermeasures may be taken.

In step 114, when the confirmation information is input from the customer's mobile communication terminal, it is checked whether the input confirmation information is the preset emergency authentication information. Here, the emergency authentication information is a password composed of a series of numbers, letters, or a combination thereof, which is input for approval as a normal transaction when the customer himself / herself violates the safety financial transaction service previously applied. According to the embodiment, when the customer does not receive the confirmation message or receives the confirmation message but does not input the confirmation information, it can be regarded as the occurrence of the emergency, and necessary countermeasures can be taken. If the emergency authentication information received from the customer is valid emergency authentication information, the process proceeds to step 116 where the normal transaction is approved based on the effective transaction. However, in the opposite case,

In step 118, various mobile communication terminal holders within the minimum radius of the customer's mobile communication terminal location and financial transaction request location point are recorded. Here, the minimum radius is (1) the minimum radius of the cell in the case of the cell ID system, and (2) the minimum radius within the error range when using the network-based location information system. In the case of the cell ID system, a mobile communication terminal belonging to the same cell is recorded using a home location register (HLR) or a visitor location register (VLR) of a communication network.

If the validation information is not input from the customer in step 120, it is determined that the customer has lost the cash card / credit card or that the card has been robbed by the coercion / threat, so that additional withdrawal suspension / security institution reporting is performed.

In the following embodiments, systems of a mobile communication network and a financial institution will be described separately.

3A is a flowchart illustrating a first preferred embodiment of a secure transaction method using a double password. More specifically, FIG. 3A is a flowchart of a secure transaction method using a double password in which key steps are performed by a system of a financial institution.

In the first embodiment, the system of the financial institution manages (1) both normal passwords and emergency passwords preset by the customer, (2) calculates the distance between the financial transaction terminal and the customer's mobile communication terminal , The mobile communication system performs a function of (1) measuring the position of the customer's mobile communication terminal, (2) sending a confirmation message to the customer, and (3) recording the holder of the mobile communication terminal within the minimum radius .

At step 150, the customer inserts the card into the financial transaction terminal for a financial transaction and enters the password. In step 152, it is determined whether the entered password is a normal password. If it is a normal password, a normal transaction is approved in step 154, and the amount requested by the customer is withdrawn from the financial transaction terminal. However, if it is not a normal password, the process proceeds to step 156. If it is determined in step 152 whether the password entered in step 152 is a normal password and whether it corresponds to an emergency password, the process may proceed directly to step 160.

In step 156, if the password entered by the customer is not a normal password, it is determined whether the customer has subscribed to the double password service. In the case of a customer who is subscribed to the double password service, after confirming that the corresponding number is an emergency password, if it corresponds to the emergency password, it is defined as a temporary abnormal transaction, and then the process proceeds to step 160. If the subscriber does not subscribe to the dual password service or if the entered number does not correspond to the emergency password, the process proceeds to step 158 and the corresponding financial transaction request is invalidated.

In step 160, if the financial transaction application of the customer is a temporary abnormal transaction, the mobile communication system requests the customer location information including the customer identification information, and then, in step 162, the cash withdrawal is permitted within the predetermined payment limit. Here, the predetermined payment limit may be set by the customer, but it may be set by the financial institution itself. In this case, it is preferable that only the amount corresponding to the payment limit is displayed in the balance displayed on the financial transaction terminal or the receipt provided when the cash withdrawal is attempted in case of attempting a financial transaction in an actual emergency situation. This is because, if there is a balance but it is not paid, the customer in an emergency may become more dangerous.

If the mobile communication system receives the location confirmation request of the specific customer from the system of the financial institution, the mobile communication system checks the current location of the mobile communication terminal held by the corresponding customer using the customer identification information in step 166. The location confirmation of the customer is executed by the above-described location information system. At step 168, the identified customer's location is transferred to the financial institution's system.

At step 170, when the customer's location is received, the distance between the customer and the financial transaction terminal located at the financial transaction request point is calculated. If the calculated distance corresponds to a certain distance, for example, within 10M or within an error range, the process advances to step 172 and a write request to record all the mobile communication terminal holders located within the minimum radius is transmitted to the mobile communication system. In step 174, upon receipt of the write request, all mobile terminal holders located within a minimum radius from the location of the customer and the location of the financial transaction terminal are recorded. If the calculated distance is greater than a certain distance, the process proceeds to step 176.

In step 176, if the calculated distance is greater than a predetermined distance, the confirmation message is transmitted to the customer's mobile communication terminal. Here, the confirmation message includes the contents of the abnormal transaction, and when the customer receives the confirmation message, the confirmation message can be sent to the SMS message center, the ARS, or the web site.

In step 178, if the confirmation information is received from the customer and the received confirmation information is valid, the flow advances to step 180 to cancel the payment limit setting and retrieve the desired amount of money from the customer. However, if the confirmation information received from the customer is not the previously registered information, or if the customer does not respond to the confirmation message, it is regarded as an emergency occurrence due to an abnormal transaction, and the process proceeds to step 182. [

In step 182, if it is determined that an emergency has occurred, additional cash withdrawal is prohibited and information on the current financial transaction request point is transmitted to the police or security company. In addition, if a financial transaction request point is a place where a door can be opened and closed remotely, such as a 24-hour transaction shop, the door of the place may be blocked. That is, (1) if a customer applies for a financial transaction, immediately sends a confirmation message without calculating the distance between the position of the financial transaction terminal and the customer's mobile communication terminal, and if confirmation information is input from the customer, And (2) after confirming the distance between the place where the customer requests the financial transaction and the terminal of the customer, the customer's terminal is requested to request the confirmation information even if it is within a certain distance that can be recognized as a normal financial transaction In the embodiments of (1) and (2), at the time of requesting a financial transaction, the customer receives a request for confirmation information such as a password through his / her terminal. In the case of a normal financial transaction, a normal transaction can be approved through simple input of confirmation information. However, a customer who has lost a credit card can confirm that there is an attempt to use his / her credit card, By entering an emergency password, the approval of the financial transaction can be prevented or only financial transactions within a certain limit can be approved. This makes it possible for a loser of a credit card to prevent the illegal use of a credit card even at the time of attempting a financial transaction of another person, even if the card is not reported in advance.

FIG. 3B is a flowchart illustrating a second preferred embodiment of a secure transaction method using a double password. More specifically, FIG. 3B is a flowchart of a secure transaction method using a double password in which a main step is performed by a mobile communication system.

In the second embodiment, the mobile communication system manages confirmation information previously set by the customer, and the mobile communication system measures (1) the distance between the financial transaction terminal and the customer's mobile communication terminal, (2) (3) judge whether or not an emergency occurs, and (4) record the holder of the mobile communication terminal within the minimum radius in case of an emergency. Explanations of the same contents as those described in FIG. 3A are omitted, and differences will be mainly described.

Step 200 to step 210, which are the steps of determining whether the normal password is a pre-step for approving the safe transaction and limiting the withdrawal limit, are executed in the system of the financial institution. The steps 200 to 208 are the same as the steps 150 to 158 described in FIG. 3A except that in step 202 or 206, when a number other than the normal password is input, in step 210, (Step 202) or proceed to step 210 only if it is the customer who subscribed to the dual password service (step 206).

In step 210, a financial transaction confirmation request including the customer identification information, the location of the financial transaction terminal where the financial transaction request is generated, and the number entered by the customer is transmitted to the mobile communication system.

Steps 212 through 228, which are a password confirmation and distance confirmation process for approval of a security transaction, are executed in the mobile communication system.

In step 212, the mobile communication system receives a financial transaction confirmation request from the system of the financial institution, and then determines in step 214 whether the number entered by the customer corresponds to the confirmation information. If the number entered by the customer corresponds to the confirmation information, the process proceeds to step 216.

In step 216, the financial transaction request is defined as a temporary abnormal transaction, which is then transmitted to the system of the financial institution. In step 230, upon receipt of a temporary abnormal transaction notification from the mobile communication system, the system of the financial institution waits until it receives a financial transaction confirmation notification from the mobile communication system after approving the withdrawal of cash within the predetermined payment limit.

Conversely, if the number entered by the customer is an invalid number, it sends an invalidation request to the financial institution's system. Here, the invalid number is information composed of numbers, letters, or a combination of letters and letters that do not correspond to the normal password and the emergency password, and are information that the customer has erroneously input. In step 216, the system of the financial institution invalidates the financial transaction request upon receiving an invalidation processing request from the mobile communication system. As a result, the password entered in the financial transaction terminal is incorrect. Please enter it again from the beginning 'message may be displayed.

In step 218, the mobile communication system checks the location of the corresponding customer using the customer identification information received from the system of the financial institution. Here, the customer identification information includes at least one of a customer's name, a resident registration number, an ID, and a mobile communication terminal number as information that can identify the customer. When the current position of the terminal held by the customer is confirmed, the distance between the customer and the financial transaction terminal located at the financial transaction request point is calculated. If the calculated distance corresponds to a certain distance, for example, within 10M or within an error range, the process proceeds to step 220 where all mobile communication terminal holders located within a minimum radius from the location of the customer and the location of the financial transaction terminal are recorded Proceed to 222. If the calculated distance is greater than the predetermined distance, the flow advances to step 222 to transmit a confirmation message to the customer's mobile communication terminal.

In step 228, if the confirmation information is received from the customer and the received confirmation information is valid, the system of the financial institution is notified of the confirmation of the normal transaction. Thereby, in step 232, the system of the financial institution releases the payment limit setting and allows the customer to withdraw the desired amount. However, if the confirmation information received from the customer is not the previously registered information, or if the customer does not respond to the confirmation message, it is regarded as an emergency occurrence and the process proceeds to step 226.

In step 226, if it is determined that an emergency occurs, information on the current financial transaction request point is transmitted to the security authority.

4A is a flowchart illustrating a third embodiment of a secure transaction method using distance restriction. More specifically, FIG. 4A is a flow diagram of a secure transaction method using distance constraints in which major steps are performed by a system of a financial institution.

In the third embodiment, the system of the financial institution manages (1) a limit distance and confirmation information preset by the customer, (2) calculates the distance between the financial transaction terminal and the customer, (3) The mobile communication system determines (1) the location of the customer's mobile communication terminal, and (2) transmits a confirmation message to the customer.

In step 240, the financial transaction terminal of the credit card merchant transmits a transaction approval request to the system of the financial institution, which includes card information read from the customer's card and information on the entered payment amount.

In step 242, the system of the financial institution receiving the transaction approval request searches the card information for the customer, and confirms whether the customer is a customer who has subscribed to the distance restriction service. If it is not the customer who has subscribed to the distance restriction service, the process proceeds to step 246, and the transaction is approved and transmitted to the financial transaction terminal. The financial transaction terminal receives the transaction approval and performs the transaction normally. That is, if the cash withdrawal request is made, the requested cash is withdrawn, and if it is a credit approval approval request, the receipt is issued according to the transaction approval. If the customer is a member of the distance restriction service, the process proceeds to step 250.

At step 250, the mobile communication system requests the location confirmation of the customer. The location confirmation request includes identification information of the customer. In step 252, if the mobile communication system receives the location confirmation request of the specific customer from the system of the financial institution, the mobile communication terminal information of the customer is extracted from the customer database using the customer identification information in step 254, System to identify the position of the mobile communication terminal of the corresponding customer. In step 256, the location information of the identified customer's mobile communication terminal is transmitted to the system of the financial institution.

In step 258, when the location information of the customer's mobile communication terminal is received from the mobile communication system, the process proceeds to step 260 where the distance between the location of the mobile communication terminal and the customer's mobile communication terminal is calculated. If the calculated distance corresponds to a certain distance, for example, within 10M or within an error range, the flow advances to step 246 to approve the transaction. However, if the calculated distance is greater than a certain distance or error range, the process proceeds to step 262.

In step 262, if the request message is transmitted to the customer's mobile communication terminal, the mobile communication terminal confirmation message of the corresponding customer is transmitted in step 264. If the customer who has received the confirmation message inputs the confirmation information, the customer receives the confirmation information input through the terminal in step 266 and transmits the confirmation information to the system of the financial institution.

In step 268, it is determined whether the confirmation information received from the mobile communication system is valid. If yes, proceed to step 246 to approve the transaction. On the other hand, if it is not valid, the process proceeds to step 270 to disallow the transaction. Upon receipt of the transaction non-acceptance from the system of the financial institution in step 272, the credit card terminal or the financial transaction terminal outputs a message such as a requested withdrawal of cash withdrawal or credit approval denial. . That is, (1) if a customer applies for a financial transaction, immediately sends a confirmation message without calculating the distance between the position of the financial transaction terminal and the customer's mobile communication terminal, and if confirmation information is input from the customer, And (2) after confirming the distance between the place where the customer requests the financial transaction and the terminal of the customer, the customer's terminal is requested to request the confirmation information even if it is within a certain distance that can be recognized as a normal financial transaction In the embodiments of (1) and (2), at the time of requesting a financial transaction, the customer receives a request for confirmation information such as a password through his / her terminal. In the case of a normal financial transaction, a normal transaction can be approved through simple input of confirmation information. However, a customer who has lost a credit card can confirm that there is an attempt to use his / her credit card, By entering false information, the approval of the financial transaction can be prevented. In particular, the embodiment of (2) can be applied to a case where a customer can not use the credit card even if the customer does not have a financial account of the employee, such as a gas station or a restaurant, It can be applied to a place where the operation process of the transaction terminal can not be directly monitored. That is, although the distance between the customer and the financial transaction terminal is within a certain distance that can be recognized as a normal financial transaction, there may be a case where the customer is double-charged due to a malfunction of the apparatus or malicious duplication request. As a result, customers who are unaware of this at the time of occurrence will not be able to see this until the next settlement date, and the customer will be able to reimburse the damage only through a complex remedy. However, in the case of applying the present embodiment, the customer receives the confirmation information request message as many times as the payment approval request, so that the customer can immediately check the duplicate charge. But can also be commonly applied to the embodiments. Therefore, the description of the above-described modifications will be omitted in the description of each embodiment.

4B is a flowchart illustrating a fourth embodiment of a secure transaction method using distance restriction. More specifically, FIG. 4B is a flowchart of a security transaction method using a distance restriction in which major steps are performed by the mobile communication system.

In the fourth embodiment, the system of the financial institution determines (1) the approval of the transaction or the disapproval of the transaction, and the mobile communication system manages (1) a limit distance and confirmation information preset by the customer, (3) calculating the distance between the financial transaction terminal and the customer, (4) sending a confirmation message to the customer, and (5) optionally, (5) And records the holder. The description of the same contents as those described in FIG. 4A will be omitted, and differences will be mainly described.

Step 300 to Step 310, which are a process of determining whether or not to join the distance-restricted service, which is the previous step for approving the safety transaction, are executed in the system of the financial institution. Steps 300 to 308 are the same as steps 240 to 248 described in FIG. 4A except that the location information of the financial transaction terminal in which the financial transaction request is generated is included in the financial transaction confirmation request in step 310.

In step 310, the financial transaction confirmation request including the customer identification information, the location of the financial transaction terminal where the financial transaction request is generated, and the number entered by the customer is transmitted to the mobile communication system. Thereafter, the process proceeds to step 230, where the cash withdrawal is approved within the predetermined payment limit, and then the mobile communication system waits until it is notified of the transaction confirmation result.

Step 312 to Step 328, which are the distance confirmation and the customer authentication process for confirming the financial transaction, are executed in the mobile communication system.

Steps 312 to 316 are the same as steps 252 to 256 of FIG. 4A. In step 318, the distance between the position of the customer's mobile communication terminal and the position of the financial transaction terminal received in step 312 is calculated Then, it is determined whether the calculated distance is within a predetermined distance. If the calculated distance is within a predetermined distance, for example, within 10M or within an error range, the flow advances to step 320 to transmit a normal transaction confirmation to the financial institution's system. However, if the calculated distance is greater than a certain distance or error range, the process proceeds to step 322.

In step 322, the mobile communication terminal confirmation message of the customer is transmitted. When the customer who receives the confirmation message inputs the confirmation information, the customer receives the confirmation information input through the terminal in step 324, and then determines in step 324 whether the received confirmation information is valid. If yes, a normal transaction confirmation is sent to the financial institution's system at step 320. On the other hand, if it is not valid, the flow advances to step 326 to transmit the abnormal transaction confirmation to the system of the financial institution. In step 328, a loss status reporting message is transmitted to notify the customer's mobile communication terminal that the credit card or the cash card is lost and the current user is attempting to use the mobile terminal.

Upon receipt of the transaction confirmation notification from the mobile communication system in step 330, it is determined in step 332 whether the received transaction confirmation notification is a normal transaction confirmation notification or an abnormal transaction confirmation notification. If it is a normal transaction confirmation, the flow advances to step 306 to approve the requested transaction. On the other hand, if it is an abnormal transaction confirmation, the flow advances to step 334 to disallow the requested transaction. In step 336, upon receipt of the transaction non-acceptance from the system of the financial institution, the financial transaction terminal outputs a message such as a requested withdrawal of cash withdrawal or credit approval denial.

5 is a flowchart illustrating a fifth embodiment of a secure transaction method using a safe transaction area. More specifically, FIG. 5 is a flowchart of a safety transaction method using a safe transaction area in which the main steps are performed by a system of a financial institution.

In the fifth embodiment, the system of the financial institution manages (1) the safe transaction area and the confirmation information preset by the customer, (2) determines whether or not the spot where the financial transaction request occurs corresponds to the safe transaction area, (3) A transaction approval or a transaction non-approval is determined, and the mobile communication system transmits a confirmation message to the customer. In addition, the customer must set up a safe trading area in advance. Herein, the safe trading area is at least one place that the customer preliminarily designates as a financial transaction place, and in the safe trading area, normal financial transaction can be performed, but in other areas, .

In step 350, if the customer requests a financial transaction such as cash withdrawal through the financial transaction terminal, it is determined in step 352 whether the customer is a customer who subscribed to the safe withdrawal service. If the customer is not subscribed, the process proceeds to step 354 to approve the requested financial transaction under a condition that a normal password is input. On the other hand, if the customer is a subscriber to the safe withdrawal service, the process proceeds to step 356.

In step 356, it is determined whether the customer is a financial transaction request in a preset safe transaction area. The customer must set up a safety transaction area that he / she will mainly use through wired or wireless communication means in advance, and the set safe transaction area is stored in the customer database of the financial institution. Accordingly, the system of the financial institution extracts information on the predetermined safe transaction area from the information of the customer requesting the financial transaction, and judges whether the position where the current customer requested the financial transaction corresponds to one of the preset safety transaction areas do. If the request is for a financial transaction request in a predetermined safe transaction area, the process proceeds to step 358 where the financial transaction is determined to be a normal transaction, and the requested financial transaction is approved under the condition that a normal password is input. In step 382, if the transaction is normally approved, the withdrawal history is transmitted to the customer's mobile communication terminal. If the request is not a financial transaction request in a predetermined safety transaction area, it is determined that the transaction is a temporary abnormal transaction, and then the process proceeds to step 360.

In step 360, if the system is a temporary abnormal transaction, the system of the financial institution transmits an acknowledgment message to the mobile communication terminal of the customer requesting the financial transaction through the mobile communication system, and then proceeds to step 366 to transmit the requested financial transaction . Here, if the requested financial transaction is a cash withdrawal, the cash withdrawal is approved within the predetermined payment limit. The system of the financial institution waits until confirmation information is transmitted from the customer after approval of the financial transaction. In step 362, the mobile communication system transmits a confirmation message to the customer's mobile communication terminal. In step 364, the mobile communication system receives the confirmation information inputted by the customer and transmits the confirmation information to the system of the financial institution.

In step 368, the system of the financial institution determines whether the received confirmation information is valid, when the system of the financial institution is able to communicate with the customer or receive confirmation information such as emergency authentication information. In the case of valid confirmation information, it is determined that the transaction is a normal transaction, the process proceeds to step 370, the payment limit is canceled, and the cash withdrawal requested by the customer is permitted. In the case of invalid confirmation information, after determining that the transaction is invalid, it is set to be unapproved for the additional financial transaction, and then the process proceeds to step 372.

In step 372, if the customer is found to be himself or herself through wired or visiting while there is no additional financial transaction request in the same place within a certain time after the invalid confirmation information is input, the set payment limit is canceled (steps 374 to 376 ). On the other hand, if an additional financial transaction is requested in the same place within a certain period of time, it is determined that an emergency occurs and an emergency situation is notified to the police or the security company without approving the request for additional financial transaction. In addition, the location of the mobile communication terminal and / or the location of the financial transaction terminal can be notified to the security authority.

6A to 6C are flowcharts illustrating a sixth embodiment of a safe transaction method using a safe transaction area. 6A to 6C are flowcharts of a security transaction method using a safety transaction area in which a main step is performed by a mobile communication system.

In the sixth embodiment, the system of the financial institution determines whether (1) the customer has joined the safety transaction service, (2) decides to approve the transaction or disarms the transaction, (2) determine whether the spot where the financial transaction request occurs corresponds to the safe transaction area, (3) manage the customer's confirmation information, (4) send a confirmation message to the customer And performs a function of receiving confirmation information.

In the sixth embodiment, the main steps performed by the financial institution in the fifth embodiment are implemented by the mobile communication system, and the distance between the financial transaction request point and the customer's mobile communication terminal . However, according to the embodiment, the process of determining the distance between the financial transaction request point and the customer's mobile communication terminal may be omitted.

Referring to FIG. 6A, steps 400 to 404 are the same as steps 350 to 354 in FIG. 5, and in step 406, if the customer requesting the financial transaction is a customer who subscribes to the safe withdrawal service, And transmits the financial transaction confirmation request to the mobile communication system. Here, transaction details may be further included in the financial transaction confirmation request transmitted to the mobile communication system.

In step 408, the mobile communication system receiving the financial transaction confirmation request including the customer identification information and the location of the financial transaction terminal from the system of the financial institution determines the position of the mobile communication terminal of the corresponding customer using the above-described location information system . If the location of the mobile communication terminal of the customer is within a certain distance from the position of the financial transaction terminal, the process proceeds to step 410. If the location of the mobile communication terminal is greater than the predetermined distance, Here, the predetermined distance is, for example, a fixed distance such as 10M or an error range of the position information system.

Referring to FIG. 6B, in step 410, it is determined whether the position of the financial transaction terminal is located in a predetermined safe transaction area.

If the financial transaction terminal is located in the predetermined safe transaction area, the flow advances to step 412, the normal transaction confirmation is notified to the system of the financial institution, and the transaction details are transmitted to the customer's mobile communication terminal in step 414. In step 416, when a normal transaction request is received from the mobile communication system, the system of the financial institution proceeds to step 418 to approve the financial transaction requested by the customer.

If the financial transaction request is from a location other than the predetermined safe transaction area, the system notifies the system of the financial institution that the transaction is a temporary unusual transaction, and proceeds to step 420.

In operation 420, after the mobile communication system transmits a confirmation message to the corresponding mobile communication terminal, the mobile communication system waits until confirmation information is input from the customer.

In step 422, when the customer responds to the confirmation message or inputs the confirmation information, it is determined whether or not the inputted confirmation information is valid. If the inputted confirmation information is valid, the flow advances to step 412 and a normal transaction request is notified to the system of the financial institution. If the input confirmation information does not match the previously stored confirmation information, the process proceeds to step 424.

In step 424, the mobile communication system informs the system of the financial institution of the abnormal transaction confirmation, and proceeds to step 442 to record all the mobile communication terminal holders located within the minimum radius of the place where the customer's mobile communication terminal and the financial transaction terminal are located .

In step 426, upon receipt of a temporary abnormal transaction indicating that a financial transaction request has occurred from a location other than the safe transaction area from the mobile communication system, the system of the financial institution approves the cash withdrawal within the predetermined payment limit. Thereafter, the customer enters confirmation information and waits until it confirms whether it is a normal transaction.

In step 428, the system of the financial institution is notified of the abnormal transaction confirmation from the mobile communication system, and proceeds to step 430 to set the additional withdrawal to be restricted.

In step 432, after the execution of the safe withdrawal countermeasures, if the customer is found to be himself or herself through wired or visiting while there is no additional financial transaction request in the same place within a predetermined time, the withdrawal restriction is canceled (steps 434 to 436). On the other hand, if an additional financial transaction is requested in the same place within a predetermined time, it is determined that an emergency has occurred and the emergency communication is notified to the security institution without approving the request for additional financial transaction, (Step 438 to step 440) to record all the mobile terminal holders located within the minimum radius of the place where the transaction terminal is located.

Referring to FIG. 6C, in step 450, it is determined whether the position of the financial transaction terminal is located in the predetermined safe transaction area.

If the financial transaction terminal is not located in the predetermined safe transaction area, the system of the financial institution is notified that the transaction is a temporary abnormal transaction, and the process directly proceeds to step 454. [ The financial institution's system notified of the temporary abnormal transaction indicating that the customer is not located in the place of the requested financial transaction but the predetermined safe transaction area from the mobile communication system may approve the cash withdrawal within the predetermined payment limit in step 466, Wait until you receive a financial transaction confirmation notification from the system. If it is the preset safe transaction area, the process proceeds to step 452. In step 452, all mobile communication terminal holders located within the minimum radius of the financial transaction terminal are recorded, and the process proceeds to step 454. [

In step 454, the mobile communication system waits until confirmation information is input from the customer after transmitting the confirmation message to the corresponding mobile communication terminal of the customer. In step 456, if the customer responds to the confirmation message or inputs the confirmation information, it determines whether the entered confirmation information is valid. If the input confirmation information is valid, the flow advances to step 458 to notify the system of the financial institution of the normal transaction confirmation. If the input confirmation information does not match the previously stored confirmation information, the process proceeds to step 464.

In step 460, when a normal transaction confirmation notification is received from the mobile communication system, the financial institution's system proceeds to step 462 to cancel the withdrawal limit and approve the financial transaction requested by the customer.

In step 464, the mobile communication system informs the system of the financial institution of the abnormal transaction confirmation, and proceeds to step 482 to record all mobile communication terminal holders located within the minimum radius of the place where the customer's mobile communication terminal and the financial transaction terminal are located .

If in step 468 a financial transaction request is received from a mobile communication system at a location other than the safe transaction area and the unauthorized transaction confirmation notice confirming that the customer is not in the same place as the financial transaction request point is received, Proceed to set aside the additional withdrawal.

At step 472, if the customer is confirmed to be himself or herself during the wired or visit while there is no additional financial transaction request at the same place within a certain time after the execution of the unauthorized action for the additional withdrawal, the established payment limit is canceled (step 474 To step 476). On the other hand, if an additional financial transaction is requested in the same place within a predetermined time, it is determined that an emergency has occurred and the emergency communication is notified to the security institution without approving the request for additional financial transaction, (Step 478 to step 480) to record all the mobile terminal holders located within the minimum radius of the place where the transaction terminal is located.

7A is a flowchart illustrating a secure transaction method according to a seventh preferred embodiment of the present invention. More specifically, it is a flow chart of how a key step is performed by a financial institution's system as a security transaction that combines a dual password and a secure transaction area.

In step 500, if the customer requests a financial transaction such as cash withdrawal through the financial transaction terminal, in step 502, it is determined whether the customer is a customer who subscribed to the safe withdrawal service. If the customer is not subscribed, the process proceeds to step 504 to approve the requested financial transaction under the condition that the normal password is input. On the other hand, if the customer is a member of the safety withdrawal service, the process proceeds to step 506.

In step 506, it is determined whether the customer is a financial transaction request in a preset safe transaction area. The system of the financial institution extracts information on the predetermined safe transaction area among the information of the customer requesting the financial transaction and determines whether the position where the current customer requested the financial transaction corresponds to one of the preset safe transaction areas. If the request is a financial transaction request in a preset safe transaction area, the process proceeds to step 508. [ If the request is not a financial transaction request in a preset safe transaction area, the process proceeds to step 510.

In step 508, it is determined whether the entered password is a normal password. If it is a normal password, a normal transaction is approved in step 504, and the amount requested by the customer is withdrawn from the financial transaction terminal. However, if it is an emergency password, the process proceeds to step 510.

In step 510, if the password entered by the customer is an emergency password, after approving the withdrawal of cash within a predetermined payment limit, the mobile communication system requests a confirmation message dispatch. When the confirmation message dispatch request is sent together with the customer identification information.

In step 512, the mobile communication system, which has requested the transmission of the confirmation message from the system of the financial institution, transmits a confirmation message to the mobile communication terminal of the customer requesting the financial transaction. Then, in step 514, When you enter it, it transfers it to the system of the financial institution.

In step 516, the system of the financial institution determines whether the received confirmation information is valid when it is possible to communicate with the customer or upon receipt of the confirmation information. If it is valid verification information, the process proceeds to step 518 to cancel the payment limit and allow cash withdrawal requested by the customer. If it is invalid verification information, the flow advances to step 520 to set the additional financial transaction request to be disallowed.

In step 552, if there is no additional financial transaction request in the same place within a certain time after the invalid confirmation information is inputted, if the customer confirms that the customer is the person through wired or visiting, the set payment limit is canceled (steps 524 to 526 ). On the other hand, if an additional financial transaction is requested in the same place within a predetermined time, it is determined that an emergency has occurred and the emergency notification is notified to the security authority without approving the additional financial transaction request (steps 528 to 530).

In step 532, upon receiving the emergency occurrence notification from the system of the financial institution, the mobile communication system records all the mobile communication terminal holders located within the minimum radius of the place where the mobile communication terminal and the financial transaction terminal are located. In addition, the location of the mobile communication terminal and / or the location of the financial transaction terminal of the corresponding customer is notified to the police or security company.

7B is a flowchart illustrating a safety transaction method according to an eighth embodiment of the present invention. More specifically, this is a flow chart of how a key step is performed by a mobile communication system as a secure transaction combining a dual password and a secure transaction area.

Steps 550 to 554 are the same as steps 500 to 504 in Fig. 7A.

In step 556, the system of the financial institution transmits to the mobile communication system a financial transaction confirmation request including the customer identification information, the location of the financial transaction terminal where the financial transaction request has occurred, and the password entered by the customer through the financial transaction terminal. Here, the system of the financial institution may transmit the input password without discrimination between the normal password and the emergency password, and may also transmit only the numbers other than the normal password. Preferably, in the case of the normal password, only the location of the financial transaction terminal and the customer identification information are transmitted. After the normal transaction request is received from the mobile communication system, the financial transaction is approved when the normal transaction request is received .

In step 558, the mobile communication system that receives the financial transaction confirmation request including the customer identification information, the location of the financial transaction terminal, and the password from the system of the financial institution determines whether the financial transaction request . The mobile communication system extracts information on a predetermined safe transaction area from the information of the customer requesting the financial transaction and determines whether the location where the current customer requested the financial transaction corresponds to one of the preset safe transaction areas. If the request is a financial transaction request in a preset safe transaction area, the flow advances to step 560. If the request is not a financial transaction request in a preset safe transaction area, the process proceeds to step 570.

In step 560, it is determined whether the entered password is an emergency password. If not, the normal transaction confirmation notification is transmitted to the system of the financial institution in step 562, and the financial transaction details are transmitted to the customer's mobile communication terminal. In step 566, the system of the financial institution that has received the normal transaction confirmation notice releases the amount requested by the customer under the condition that the password entered by the customer is a normal password, from the financial transaction terminal. However, if it is an emergency password, the process proceeds to step 570.

In step 570, if the password entered by the customer is an emergency password or is not a preset safe transaction area, the mobile communication system sends a provisional abnormal transaction confirmation notification to the financial institution's system. In step 572, the customer transmits a confirmation message to the mobile communication terminal requesting the financial transaction, and in step 574, the customer responds to the confirmation message or receives confirmation information. On the other hand, upon receiving the provisional abnormal transaction notification, the system of the waiting financial institution approves the requested financial transaction within the predetermined payment limit.

In step 576, the mobile communication system determines whether the received confirmation information is valid when the mobile communication system is able to communicate with the customer or upon receiving the confirmation information. In the case of valid confirmation information, a normal transaction confirmation notification is transmitted to the system of the financial institution. Thereby, at step 578, the system of the financial institution that is on standby terminates the payment limit and allows cash withdrawal requested by the customer. In the case of invalid verification information, an abnormal transaction confirmation notification is transmitted to the system of the financial institution. In step 580, upon receipt of an abnormal transaction confirmation notification from the mobile communication system, the system of the financial institution sets up disallowing additional withdrawals.

Thereafter, in step 582, after the additional withdrawal restriction is executed, the additional withdrawal limit set up is canceled when the customer confirms that he or she is the person through wire or visit while there is no additional financial transaction request in the same place within a certain time (steps 584 - Step 586). On the other hand, if an additional financial transaction is requested in the same place within a predetermined time, it is determined that an emergency has occurred, and the emergency notification is notified to the security authority without approving the additional financial transaction request (steps 588 to 590).

In step 592, upon receiving the emergency occurrence notification from the system of the financial institution, the mobile communication system records all the mobile communication terminal holders located within the minimum radius of the place where the mobile communication terminal and the financial transaction terminal of the customer are located. In addition, the location of the mobile communication terminal and / or the location of the financial transaction terminal of the corresponding customer is notified to the police or security company.

It is needless to say that the present invention is not limited to the above-described embodiment, and many modifications may be made by those skilled in the art within the scope of the present invention. Further, the scope of the present invention can be construed only by the claims set forth below.

As described above, according to the present invention, in order to prevent a loss due to a financial transaction that occurs beyond the control of the owner of a cash card or a credit card due to loss, theft, or robbery, As a result of the safe financial transaction only through the confirmation process, it is possible to alleviate the loss of the owner himself in the case of abnormally financial transactions to a minimum.

In addition, by automatically transmitting the location of the person being threatened by the person and the position of the person attempting to make a financial transaction while threatening the person to a security organization such as a police or security company, So that it can be easily solved.

Claims (19)

delete delete delete delete delete delete delete delete delete delete delete In a method for safely executing a customer's financial transaction, which is executed in a financial institution system and a mobile communication system, Receiving a financial transaction approval request from the financial transaction terminal connected to the financial institution system through a communication network; Determining whether the financial transaction terminal is located in a safety transaction area registered in advance by the customer with reference to a customer database; Accepting the financial transaction if the financial transaction terminal is a normal transaction located in the safe transaction area; If it is determined that the financial transaction terminal is a temporary abnormal transaction that is not located in the safe transaction area, the mobile communication terminal transmits a confirmation message to the mobile communication terminal by requesting the mobile communication system, Limiting to a limit; Checking whether the confirmation information received from the mobile communication terminal is valid in response to the confirmation message; Accepting the financial transaction request if the confirmation result is valid; And And rejecting the financial transaction request if the verification result is not valid. In a method for safely executing a customer's financial transaction, which is executed in a financial institution system and a mobile communication system, Receiving a financial transaction approval request from the financial transaction terminal connected to the financial institution system through a communication network; Requesting the mobile communication system in response to the financial transaction approval request to confirm the location of the mobile communication terminal of the customer; Calculating a distance between a location of the customer's mobile communication terminal and a location of the financial transaction terminal; Determining whether the financial transaction request is a normal transaction using the calculated distance; Accepting the financial transaction if the determination is that the transaction is within a predetermined distance; Transmitting a confirmation message to the mobile communication terminal by requesting the mobile communication system to limit the payment limit of the financial transaction request to a preset payment limit if it is determined that the mobile communication terminal is a provisional abnormal transaction having a predetermined distance or more; Checking whether the confirmation information received from the mobile communication terminal is valid in response to the confirmation message; Accepting the financial transaction request if the confirmation result is valid; And And rejecting the financial transaction request if the verification result is not valid. In a method for safely executing a customer's financial transaction, which is executed in a financial institution system and a mobile communication system, Receiving a financial transaction approval request from the financial transaction terminal connected to the financial institution system through a communication network; Determining whether the password included in the financial transaction approval request is an emergency password; Determining that the transaction is a normal transaction and approving the financial transaction; Determining that the mobile communication terminal is a temporary unauthorized transaction when the emergency password is determined; transmitting a confirmation message to the mobile communication terminal by requesting the mobile communication system to restrict the payment limit of the financial transaction request to a preset payment limit; Confirming the location of the customer's mobile communication terminal through the mobile communication system; Calculating a distance between the location of the customer's mobile communication terminal and the location of the financial transaction terminal and determining whether the distance is within a predetermined distance; Recording a holder of a mobile communication terminal within a minimum radius of a place where the mobile communication terminal is located if the distance is within a predetermined distance; Transmitting a financial transaction confirmation request to the customer's mobile communication terminal; And executing an emergency response countermeasure if the received confirmation information is invalid in response to the financial transaction confirmation request. The method of any of claims 12 to 14, wherein the location of the mobile communication terminal is identified by any one of GPS, AGPS, AFLT, TOA, TDOA, AOA, radio camera, AFLT- Wherein the method comprises the steps of: The safe financial transaction method according to any one of claims 12 to 14, wherein the confirmation information is managed by the financial institution system in advance by the customer and comprises a combination of numbers, letters, numbers, and letters. The system of any one of claims 12 to 14, wherein the financial institution system further performs a step of disallowing an additional financial transaction request if the determination result is an abnormal transaction confirmation notification . The method according to claim 12 or 14, If the financial transaction request is a provisional abnormal transaction or the confirmation information is invalid, a write request to record all the mobile communication terminal holders included within the minimum radius of the place where the mobile communication terminal and the financial transaction terminal are located, The system further comprising the steps of: delete