KR100639828B1 - On-line Banking service method - Google Patents

Abstract

The present invention relates to a method for preventing the denial of the financial transaction of the parties when the electronic financial transaction using the wired Internet, wireless Internet or mobile communication through a wired communication, the financial trader is a two-way communication via a wired / wireless communication network In the non-face-to-face electronic financial transaction method performed in a terminal and a financial institution terminal, the pronunciation of the financial institution terminal transmits a pronunciation request signal including information on a word or sentence to be pronounced by the financial trader terminal to the financial trader terminal. Request step; A voice sending step of receiving, by the financial transaction terminal, a voice pronounced by the financial transaction in accordance with the pronunciation request signal and transmitting the received voice to the financial institution terminal; And a voice file storing step of storing, by the financial institution terminal, a voice transmitted from the financial transaction terminal in a DB.

Description

Electronic banking transaction method {On-line Banking service method}

1 is a diagram illustrating an electronic financial transaction system to which the first and second embodiments of the electronic financial transaction method according to the present invention are applied.

2a and 2b is a flow diagram showing a first embodiment and a second embodiment of the electronic financial transaction method according to the present invention,

3 is a diagram illustrating an electronic financial transaction system to which a third embodiment of an electronic financial transaction method according to the present invention is applied;

4 is a flow diagram illustrating a third embodiment of an electronic financial transaction method according to the present invention;

5 is a diagram illustrating an electronic financial transaction system to which the fourth and fifth embodiments of the electronic financial transaction method according to the present invention are applied.

6a and 6b are flows illustrating the fourth and fifth embodiments of the electronic financial transaction method according to the present invention,

Figure 6c is a flow illustrating a state in which a control voice recording step further comprises according to the present invention,

7 is a diagram illustrating an electronic financial transaction system to which a sixth embodiment of an electronic financial transaction method according to the present invention is applied;

8 is a flow diagram illustrating a sixth embodiment of an electronic financial transaction method according to the present invention.

The present invention relates to an electronic financial transaction method for performing a financial business with a financial institution using a wired Internet, wireless Internet or mobile communication through a mobile.

With the development of communication technology and securing the safety of financial communication transactions through accredited certification, it is possible to conduct financial transactions safely and promptly without visiting banks directly. Widely used as a means of financial communication transactions, such as Internet banking performed by accessing a bank website through the Internet, and telebanking through a telephone, etc. In recent years, mobile banking (mobile phone banking) by activation of mobile phone use ) Is being used as a new financial transaction method.

The Internet banking is a computer terminal connected to the Internet network through wired or wireless access to the bank's website to view necessary banking services. Self-validation caused by transactions not made through direct contact between people. In order to overcome the difficulties of the above, the account number and the password of the account, as well as a certified digital signature through a third party to replace the seal to overcome the above difficulties and the Safety can be guaranteed. In addition, after entering a plurality of passwords on a card (security card) that can only be held by an individual, a bank requires a self-verification procedure for identity verification by inputting a number required by a bank among the above-mentioned passwords during financial transactions through Internet banking. Thoroughly.

The telebanking is a method in which a financial trader presses a number key of a telephone and inputs the contents according to a procedure required by the ARS after accessing an ARS managed by a bank through a telephone connection. However, in the case of the telebanking, unlike the Internet banking, the e-signing process of the financial trader is excluded, and thus the self-validation procedure is rather relaxed than in the Internet banking.

Lastly, the mobile banking is to perform a financial transaction by connecting to the bank's website after accessing the Internet through a mobile phone, and there is a difference in the type of terminal and its communication method (wired / wireless). It's a part of banking. However, in the case of the mobile banking, whether the mobile phone is designated by the unique signal of the mobile phone terminal itself (all means for proving that the financial transaction is authorized and directly used by the financial trader; ex) the mobile phone unique number, recognition chip, etc.) The verification process for self-validation has been strengthened with the addition of a step of confirming whether or not.

As described above, financial transactions made by financial traders and financial transaction mediators at bank counters are not face to face. Therefore, it has already been described that various means such as the above-mentioned electronic signature, security card, account password input, and the like are applied. In addition, the means can prevent any financial trader from denying his or her financial transaction due to its reflection effect, and thus prevent the problem of denying his or her financial transaction for malicious purposes despite the direct financial transaction. Will be.

However, the above-described conventional electronic financial transaction is a method of tracking the trace of the financial accident suspect is made by using an electronic signal rather than tracking an off-site trace of the suspect. If a financial transaction claims to be an act of a third party who steals a password, there is no absolute way to disprove this, and there are many cases of avoiding tracking by illegally using the name of a subscriber or by stealing the name of another person. Because of this, facial or physical features do not appear at all, so they tend to act more boldly. In order to realize safer e-financial transactions, absolute self-validation and measures to prevent denial of financial transactions are urgently required.

Accordingly, the present invention has been made to solve the above problems, and when a financial transaction using wired or wireless communication, a malicious financial trader denies his or her financial transaction, thereby fundamentally preventing the financial transaction order from being damaged. Its purpose is to provide an electronic financial transaction method that further strengthens self-certification during financial transactions, resulting in safer and more reliable financial transactions.

In order to achieve the above object, the present invention,

In the non-face-to-face electronic financial transaction method that is carried out at the financial transaction terminal and the financial institution terminal, which has two-way communication through a wired / wireless communication network,

A pronunciation request step of transmitting, by the financial institution terminal, a pronunciation request signal including information on a word or sentence to be pronounced by the financial trader to the financial trader terminal;

A voice sending step of receiving, by the financial transaction terminal, a voice pronounced by the financial transaction in accordance with the pronunciation request signal and transmitting the received voice to the financial institution terminal;

A voice file storing step of storing, by the financial institution terminal, a voice transmitted from the financial transaction terminal in a DB;

Is an electronic financial transaction method that includes more.

In the electronic financial transaction method, the present invention,

The pronunciation request step may include a method of transmitting information on a word or sentence to be pronounced by a financial trader through a short message service (SMS) of the mobile phone; A method of transmitting information on words or sentences to be pronounced by a financial trader to a displayer of a computer or a mobile phone; Any one or more methods selected from the group consisting of a method of designating one random password to be pronounced by the financial trader among a plurality of passwords written on the security card by attaching serial numbers to each other and transmitting the serial number to the financial trader terminal. It is an electronic financial transaction method.

In the electronic financial transaction method, the present invention,

The electronic financial transaction method further includes a voice reading step of determining whether or not the financial transaction is in progress by comparing / reading whether the voice transmitted from the financial trader terminal coincides with the contents of the information.

In the electronic financial transaction method, the present invention,

The content of the information is a contrast voice that directly records the pronunciation of the financial trader. The financial trader pronounces the contrast voice so that it can be compared and read by comparing with the voice transmitted from the financial trader terminal during an electronic financial transaction. It is an electronic financial transaction method that further includes a contrast voice recording step of pre-recording and storing one voice.

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

Electronic financial transactions via wired / wireless Internet or PSTN include selecting financial services (account verification, account transfer, deposit or withdrawal, etc.), as well as financial transactions between financial traders and financial trading partners. It is necessary to inform the financial transaction mediator and to confirm whether the financial transaction is legally authorized for the account. However, since the electronic financial transaction is not face-to-face directly between the parties, the third step of confirming whether the person requesting the financial transaction is authorized to trade is strengthened.

On the other hand, as described above, there are various types of electronic financial transaction methods, and the electronic financial transaction system applied according to the type also differs. Regardless of the kind, it must be indispensable.

The present invention further includes a voice transmission step and / or a voice reading step in order to prevent the financial trader from denying the electronic financial transaction facts normally made through the above steps for malicious purposes.

Hereinafter, various embodiments will be described according to the type of electronic financial transaction in order to describe the technical spirit of the present invention in more detail.

First Embodiment

1 is a diagram illustrating an electronic financial transaction system to which the first and second embodiments of the electronic financial transaction method according to the present invention are applied, and FIGS. 2A and 2B illustrate a first method of the electronic financial transaction method according to the present invention. The flow diagram showing the embodiment and the second embodiment will be described with reference to this.

This embodiment is a financial transaction over the Internet.

Financial Transaction Request Step (S1)

Clients (hereinafter referred to as financial traders; 10 and 20) may use a bank server, which is a means of operating a website of a bank, using a wired internet terminal 10 such as a desktop or a laptop and a wireless internet terminal 20 such as a mobile (mobile phone). 100) to request the necessary financial transactions.

Financial transactions that can be made through electronic banking include account transfer, account balance check, and the like, and the financial trader may proceed with the financial transaction according to the guidance of the operation module 110. This is a general content and further description thereof will be omitted.

Once the financial trader 10, 20 selects the type of financial transaction required, the operation module 110 requests the account number for the financial transaction and the self-validation of the financial trader for a normal financial transaction.

Digital signature generation step (S2)

On the other hand, when the financial trader (10, 20) requests the bank server 100 financial transactions, the electronic signature is generated using the digital signature generation key (secret key) received from the certification authority server 200, the self-validation is attached as well Prepare to prevent leakage of electronic documents.

The certification authority server 200 is operated by a certification authority, which is a third trust authority, and is constructed to secure safety in financial transactions and settlement through wired and wireless communication.

Account number input step and password input step (S3, S4)

The financial traders 10 and 20 input an account number to which a financial transaction is to be made, a password and a transaction amount of the account according to the guidance of the operation module 110, and transmit the same to the operation module 110. In this case, the input of the account password may be a first step in which the financial traders 10 and 20 prove themselves.

Security card input step (S5)

In order to strengthen the safety of electronic financial transactions, a second stage of self-validation through a security card is performed. The security card has four or five digits listed on the back, and the operation module 110 designates any one of these numbers during an electronic financial transaction to allow the financial trader (10, 20) to input the corresponding number. Do it. Since the security card is different for each financial trader (10, 20), the effect of the self-validation method.

Voice transmission step (S6)

In order to ensure that the financial trader himself is in charge of the electronic financial transaction, his / her voice is recorded and stored in a file format.

The voice content may be arbitrarily selected and pronounced by the financial trader, but the operation module 110 combines / composes a word or sentence to be pronounced by the financial trader and directly sends or implies the word or sentence. 10, 20).

In the latter case of transmitting the word or sentence and information on the word or sentence to the financial traders 10 and 20, the way of realizing this may vary, but the word or sentence and its information may vary depending on the popularization of mobile phones. It will be desirable to transmit to the financial traders (10, 20) through the SMS service. In addition, when the electronic financial transaction is made through a desktop or a notebook, a method of outputting the word or sentence and its information on the displayer (monitor) of the desktop or the notebook may be considered. Of course, the financial traders 10 and 20 pronounce the received words or sentences.

The recorded voice is stored in various sound source files such as MP3 or MIDI files and transmitted to the bank server 100.

This step S6 will be described in more detail by way of example.

The voice transmission step S6 is divided into a pronunciation request step and a voice transmission step.

The pronunciation request step is to request that the operation module 110 to pronounce the proposed or promised content to the financial traders (10, 20) as described above, (1) to the mobile phone through SMS (Short Message Service) Transmitting the word or sentence to be pronounced and its information, (2) transmitting the word or sentence to be pronounced and its information on a display (monitor) such as a desktop or laptop, and (3) a serial number on the security card, respectively. Among the plurality of passwords described, the operation module 110 randomly selects one of them and pronounces the corresponding serial number password. (4) When the bank requests internet banking transaction, the voice transmission step (S6). Pre-specify / promise a word or sentence to be pronounced in and instruct the voice of financial traders (10, 20) in various ways, such as instructing them to record voice through the display of the terminal. Can. At this time, in the case of the method (4), as may be performed in other ways, it will be described again below.

On the other hand, for each method described above, the information sent by the operation module 110 to the financial trader to secure the voice, the words or sentences to be pronounced as it is, or to be pronounced during the electronic financial transaction as in the (4) method If you have already specified a word or phrase that will be used, "Please say the password." "Pronounce a specified word", and so on.

The voice sending step is a step of receiving a voice from the financial traders 10 and 20 and transmitting it to the bank server 100.

Certificate retrieval step (S7)

During each of the above steps, an electronic document including the voice file as well as the data of the account and its password and security card of the financial trader 10 and 20 are formed and transmitted to the bank server 100 through the Internet. The electronic document is a personal information that should be maintained in security, and should not be viewed by others, so that the electronic signature generated through the electronic signature generation step (S2), which is an earlier step, is checked by the certification authority server 200, and then the electronic The document is packaged / secured and protected in the form of a certificate.

When the packaged / secured electronic document is received by the bank server 100, the operation module 110 checks the validity of the electronic signature and the electronic signature verification key (public key) for reading the electronic document to the certification authority server 200. Ask. The certification authority server 200 searches for the certificate according to the request, and if the validity of the certificate is recognized, transmits an electronic signature verification key (public key) to the operation module 110 to check the contents of the electronic document. Make sure

Of course, if it is recognized that the certificate is not valid, there is no electronic signature verification key (public key) for opening the electronic document, and thus the financial transaction is terminated.

On the other hand, as described above, it is preferable that the voice file is also included in the electronic document and protected by a certificate. However, the voice file may be directly transmitted to the bank server 100 without a separate authentication procedure.

Account number verification step (S9)

Check the account number described in the electronic document, search the account DB where the data for the account is stored and output the data for the corresponding account number.

Of course, if the account number described in the electronic document cannot be retrieved, the financial transaction is terminated.

Password confirmation step (S10)

Check the match of the transmitted password against the password of the data for the account number.

If the passwords do not match, the financial transaction is terminated.

Security card verification step (S11)

The operation module 110 checks whether the number of the security card requested by the financial trader (10, 20) and the number described in the electronic document.

If the number of security cards does not match, the financial transaction is terminated.

Voice file storage step (S12)

The voice files transmitted from the financial traders 10 and 20 are stored in the voice file DB 122 of the bank server 100.

The voice file may be stored in association with contents of a financial transaction, that is, a transaction amount, a transaction time, and an account number transferred at the time of transfer. The stored voice file can be used as a solid proof to disprove the financial transaction of the financial transaction proceeding in accordance with the due process, effectively blocking the malicious denial will of the financial transaction.

Second Embodiment

The above-described electronic banking method can realize financial business by accessing the bank server 100 through a wired Internet terminal such as a desktop or a notebook, or access the bank server 100 through a wireless internet terminal such as a mobile phone. It is to realize. In particular, in the latter case, the financial trader can wirelessly access the Internet using a mobile phone capable of WAP (wireless application protocol) and the bank server 100 and the certification authority server 200. As the electronic banking business is to be performed, regardless of whether the mobile phone which is the communication terminal connected to the bank server 100 is owned by the financial trader, the financial business is possible. However, as mobile phones are recognized as personal belongings as necessities and financial operations have increased, the possibility of financial accidents due to hacking or illegal copying of mobile phones has increased. Also, in recent years, as mobile phones have an electronic money function, it is required to distinguish between mobile phones that are capable of financial transactions and mobile phones that are not available for electronic banking transactions.

Thus, in the case of mobile banking using a mobile phone, a mobile phone capable of electronic financial transactions is designated or registered in advance so that a financial transaction can be made only with a registered mobile phone when a financial trader desires an electronic financial transaction through a mobile phone. Here, registration means that if a mobile banking transaction is applied to a financial institution (bank, etc.) for mobile banking, the financial institution assigns an authentication number to the mobile phone of the financial trader to be used for banking or recognizes the unique number of the mobile phone to the mobile phone only. It is to make banking transaction possible. Therefore, even if the same financial trader is attempting a mobile banking using a different mobile phone financial transactions will not proceed.

Therefore, according to the second embodiment of the electronic financial transaction non-repudiation method according to the present invention, in the electronic financial transaction proceeding according to FIG. 2A, the operation module 110 of the bank server 100 recognizes the unique number of the mobile phone. Terminal confirmation step (S8) for checking whether or not registered is further included.

In recent years, the mobile banking chip containing the financial information of the mobile phone is embedded in the electronic banking transaction using the mobile phone, the terminal identification step (S8) is easy to replicate and hacking to improve the security.

With this mobile banking chip, you can check your accounts and transfers, as well as withdrawal and checks, cash card functions, credit and check card services, and prepaid transportation card services. Various financial tasks such as membership club service and foreign exchange trading service can be handled.

Other steps are the same as in the first embodiment, and thus redundant description is omitted.

Third Embodiment

3 is a diagram illustrating an electronic financial transaction system to which a third embodiment of the electronic financial transaction method is applied, and FIG. 4 is a flow diagram illustrating a third embodiment of the electronic financial transaction method according to the present invention. It demonstrates with reference.

E-financing can be done by telephone in addition to the Internet.

To this end, the bank computer network 300 is provided with an ARS 310 (Automatic Response System) that is connected to the PSTN and automatically performs the contents required for financial services.

Financial transaction request step (S100)

A financial trader connects to the ARS 310 using a communication terminal such as a telephone or a mobile phone and selects the necessary financial services according to the instructions of the ARS 310.

Basically, the social security number of the financial trader is entered through the number key, and one of the types of financial services presented is also entered through the number key.

Account number input step (S200)

In accordance with the instructions of the ARS 310, enter the account number for the financial business.

Account number verification step (S300)

After receiving the input account number, the ARS 310 searches for the inputted account number in the account DB 321 and confirms its existence.

If the entered account number is incorrect or does not exist, the financial transaction is terminated.

Password input step (S400)

After the account number verification is completed, the ARS 310 requests the password of the account, and the financial trader inputs the password accordingly.

Password confirmation step (S500)

The ARS 310 compares the input password with the password stored in the account DB 321 and checks whether they match.

If the two passwords do not match, the financial transaction is terminated.

Security card input step (S600)

Enter any number required by the ARS 310 of the numbers of the security card described above.

Security card verification step (S700)

If the numbers match, the financial transaction is terminated.

Voice transmission step (S800)

In order to ensure that the financial trader himself is in charge of the electronic financial transaction, his / her voice is transmitted and recorded. At this time, the bank computer network 300 further includes a voice recording module 330 for receiving the voice of the financial trader coming into the analog signal through the handset and converting it into a file.

Since the voice content and its manner are the same as those of the 'speech transmission step S6' described in the first embodiment, redundant description thereof will be avoided here.

Telebanking as described above differs from other Internet banking procedures in that each verification step is performed in real time due to the characteristics of the ARS 310, but the account number confirmation and account password are required at the actual financial transaction stage. The same can be found that steps such as verification and security card verification are essential.

In addition, each step sequentially described in the description of the drawings and embodiments are merely presented one by one as a normal step of the conventionally performed electronic financial transaction, without departing from the scope of the claims below The temporal process of each step may be variously modified.

Fourth Embodiment

5 is a diagram illustrating an electronic financial transaction system to which the fourth and fifth embodiments of the electronic financial transaction method according to the present invention are applied, and FIGS. 6A and 6B illustrate the electronic financial transaction method according to the present invention. The flow shown in the fourth embodiment and the fifth embodiment will be described with reference to this.

Among the steps of the present embodiment, the steps already mentioned through the first to third embodiments will be omitted to avoid redundant description.

In the present embodiment, as shown in FIG. 5, electronic financial transactions are made through wired and wireless Internet. In particular, the financial transaction is determined by using the recorded financial trader's voice as a self-verification means. For this purpose, a contrasting voice file DB 123 for storing a contrasting voice recorded in advance in the financial transaction and a contrasting sound recorded in advance in the financial transaction, and a contrasting voice recorded with the financial transaction. It further includes a voice control module 130 for comparing / contrasting the voice to read the match.

This embodiment is similar to the first embodiment in the financial transaction request step (S1 '), digital signature generation step (S2'), account number input step (S3 '), password input step (S4'), security card input step ( S5 '), voice transmission step (S6'), certificate search step (S7 '), account number verification step (S9'), password verification step (S10 '), security card verification step (S11'), and voice file storage Step S12 ′, which further includes a voice reading step S13.

Voice reading step (S13)

Through the voice transmission step (S6 ') and the voice file storage step (S12'), the bank server 100 'obtains the voice of the financial trader, and the voice file module 130 is the voice and electronic finance For the transaction, the financial trader previously compared the comparison voice stored in the comparison voice file DB 123 and reads the match.

In order to read whether the voice and the matching voice match, it is more effective and advantageous that the voices are pronunciations of the same words or sentences. In the voice transmission step (S6 ′), the same words or sentences as the matching voices are used. It would be desirable to require pronunciation for.

In this case, the word or sentence may be uniformly matched regardless of who the financial trader is, but the word or sentence may be different for each person to obtain an effect such as a password from each word or sentence itself.

In general, speech recognition methods are roughly divided into speaker-dependent methods (speaker recognition methods) and speaker-independent methods.

In the former case, the tone and tone of the speaker are captured and stored as a contrasting voice. If the financial trader requests a financial transaction through the electronic financial transaction method, the voice of the financial trader and the contrasting voice are compared / controlled. If the voices are matched and the voices match, the financial transaction is considered to be completed and the financial transaction proceeds. In the case of the present method, since the voice to be used for the comparison of the voice of the financial trader must be recorded in advance before the electronic financial transaction, the comparison voice recording step S0 must be performed as shown in FIG. 6C. The contrast voice recording step S0 may be further included in the following fifth and sixth exemplary embodiments in addition to the present embodiment, but the corresponding drawings (FIGS. 7 and 8) are omitted.

On the other hand, the information sent by the operation module 110 to the financial traders (10, 20) to secure the corresponding voice will be about "tell the password". In addition, in the case of the speaker type (speaker recognition type), the information may be a direct word or sentence to be pronounced by the financial trader because the voice itself is not a collation / reading of words or character contents pronounced by the financial trader.

In the latter case, the speaker recognizes a word or sentence pronounced and compares / contrasts only a promised word or sentence, and if it is read as a promised word or sentence, the financial transaction is considered to have been completed. It is to make progress. In this case, the pronounced word or sentence performs the same function as the password. Afterwards, if the financial trader party denies the financial transaction fact or a financial accident occurs, the pre-stored voice and financial at the financial transaction By checking whether the voice obtained from the trader is the same, it is confirmed whether the same after the fact. In this case, the contrast voice recording step (S0) is not necessarily required, and a system capable of reading whether the pronunciation of the financial trader agrees with the contents promised by the financial institution for the electronic financial transaction. Only need be provided.

On the other hand, the information sent by the operation module 110 to the financial traders (10, 20) to secure the corresponding voice will be about "tell the password".

According to the above description, in the case of the speaker type (speaker recognition type), the financial transaction is proceeded by absolutely checking whether the financial trader is present during the financial transaction, so that the safety and self-validation of the financial transaction is improved and may occur afterwards. While denial of financial transactions can be effectively prevented, it is not technically easy to reliably and accurately read the voice of financial traders. However, it is not technically impossible. In general, in order for speaker recognition to be applied, peripheral noise should be excluded as much as possible when financial traders pronounce the word or sentence, and the voice of the speaker should be kept constant.

In the case of the speaker-independent method, the financial transaction is performed by checking the financial trader's identity like the password through the financial trader's pronunciation of words or sentences, rather than the financial trader's development. Although it is not proven, the safety of electronic financial transactions is somewhat lowered, but the pronounced voice can be read quickly and quickly, and the reliability of the result is also excellent, which makes it easier to apply in reality.

The speaker-dependent method and the speaker-independent method described above have a common point that they are self-proving through voice, and both methods may be applied to the present invention.

On the other hand, regardless of the speaker-dependent and speaker-independent method, the operation module 110 transmits a voice file request signal to the terminals 10 and 20 of the financial trader to obtain the corresponding voice file. In the speaker-dependent method, the same voice or sentence as previously stored words or sentences should be pronounced through the contrast voice recording step S0 (since the financial trader already knows the words or sentences to be pronounced), Request '.' On the other hand, in the speaker-independent method, the pronunciation of the pronunciation is matched / read, and thus the type of word or sentence to be pronounced (the same as the password) is specified in advance between the financial trader and the financial institution or the security card method. Just use it. Even in this case, the financial trader already knows the word or sentence to pronounce, so the only thing that needs to be asked is to ask for a pronunciation.

In addition, since the pronunciation request method from the financial institution to the financial trader has already been described in detail through the voice transmission step S6 of the first embodiment, the description thereof will be omitted here.

Of course, if the voice contrast check result and the voice of the financial trader provided in the financial transaction are read as inconsistent with each other, or if the word or sentence pronounced by the financial trader is not matched with the specified word or sentence, the corresponding financial The transaction ends.

Fifth Embodiment

The present embodiment further includes a voice reading step S12 in the second embodiment, and since the voice reading step S12 is identical in content to that of the fourth embodiment, a description thereof will be omitted here. do.

In this embodiment, regardless of whether the voice reading step (S12) is based on the speaker-dependent method or the speaker-independent method, account password verification, security card verification, certificate verification, terminal verification, password verification for voice, voice verification Six stages of self-validation, such as verification, will be conducted, thereby making electronic financial transactions safer, and effectively denying financial transactions.

Sixth Embodiment

7 is a diagram showing an electronic financial transaction system to which the sixth embodiment of the electronic financial transaction non-repudiation method according to the present invention is applied, and FIG. 8 is a sixth embodiment of the electronic financial transaction non-repudiation method according to the present invention. A flow will be described with reference to this.

As described above with reference to the third embodiment, the financial business can be performed through telephone communication, and the financial transaction denial can be blocked as well as the self-validation through the voice of the financial trader.

To this end, the bank computer network 300 ′ further includes a voice recording module 330 that receives an analog voice signal transmitted through a handset and converts it into a recording and / or a file. In order to contrast with this, a comparison voice file DB 323 for storing a pre-recorded voice of the financial trader and a voice for comparing the voice recorded with the voice for the financial transaction and reading the matched voice. Contrast module 340 is further included.

This embodiment is similar to the third embodiment in the financial transaction request step (S100 '), account number input step (S200'), account number verification step (S300 '), password input step (S400'), password confirmation step (S500). '), The security card input step (S600'), the security card verification step (S700 '), and the voice transmission step (S800'), which further includes a voice reading step (S900).

Voice reading step (S900)

Through the voice transmission step S800 ', the bank computer network 300' obtains the voice of the financial trader, and the voice recording module 330 records the matching voice for the voice and electronic financial transaction. While passing through S0, the financial trader compares the matching voice stored in the matching voice file DB 323 and reads the match.

In this case, as described above, in the case of the speaker-dependent method, the read contents are checked whether or not the voice of the financial trader who performs the financial transaction is identical to the pre-stored comparison voice, and in the case of the speaker-independent method, the financial transaction. The financial trader who proceeds to check whether the pronounced words or sentences are promised or not to check the content identity.

Of course, if the two voices are inconsistent with the reading result, the financial transaction is terminated.

In addition, the contents pronounced by the financial traders are the same as described above, and thus will be omitted here.

According to the present invention as described above, by using the voice of the financial trader, which is a kind of biometric key such as a fingerprint, as a condition for confirming self-certification during electronic financial transactions, the financial transaction party simply performed the financial business in the electronic financial business. Overcoming the conventional problem that it was difficult to disprove financial transactions by the financial traders themselves due to the limitations of non-face-to-face financial transactions such as password entry and certificate verification, which are only grounds for deliberation, and denial of financial transactions. It will be able to block the will inherently, and it will be possible to clarify the self-validation in electronic financial transactions with the exclusive uniqueness of voice.

Claims (4)

In a non-face-to-face electronic financial transaction method conducted in a financial transaction terminal and a financial institution terminal in which two-way communication is performed through a wired / wireless communication network, the financial institution terminal transmits a word or sentence to the financial transaction terminal. Pronunciation request step of transmitting a pronunciation request signal containing information on; A voice sending step of receiving, by the financial transaction terminal, a voice pronounced by the financial transaction in accordance with the pronunciation request signal and transmitting the received voice to the financial institution terminal; A voice file storing step of storing, by the financial institution terminal, a voice transmitted from the financial transaction terminal in a DB; A voice reading step of determining whether to proceed with the financial transaction by checking / reading whether the voice transmitted from the financial transaction terminal coincides with the contents of the information; And the content of the information is a contrast voice that directly records the pronunciation of the financial trader, so that the contrast voice can be compared / read compared to the voice transmitted from the financial trader terminal during an electronic financial transaction. In the electronic financial transaction method comprising a; voice recording step of recording and storing the voice pronounced in advance, The pronunciation request step may include a method of transmitting information on a word or sentence to be pronounced by a financial trader through a short message service (SMS) of a mobile phone; The serial number is assigned to each one of the plurality of passwords listed on the security card to specify a random password to be pronounced by the financial trader to proceed to any one of the selected method of transmitting the serial number to the financial transaction terminal. Electronic financial transaction method characterized in that. delete delete delete

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