KR100999990B1 - System and method for safely transferring money on deposit - Google Patents

Abstract

PURPOSE: A deposit safety trading system and a method thereof for rapidly offering information according to a deposit transaction are provided to prevent the deposit transaction by performing deposit transaction after approval process about the deposit transaction request. CONSTITUTION: A request terminal transmits a deposit transaction approval request. An intermediating server(102) receives a deposit transaction approval request from the request terminal. A safe transaction server(101) delays the deposit transaction. The safety trading server sends the deposit transaction approval request to the intermediating server. An approval terminal(103) performs deposit transactions processing approval about the deposit transactions approval request.

Description

Deposit Safety Transaction System and Method {SYSTEM AND METHOD FOR SAFELY TRANSFERRING MONEY ON DEPOSIT}

The present invention relates to a deposit transaction system and method for deposit transactions such as bank transfer, cash withdrawal, and the like, and more particularly, to a deposit security transaction system and method for deposit transactions requiring a payment process.

In general, many people open accounts in financial institutions such as banks and carry out various types of transactions such as depositing, withdrawing or transferring deposits. In the past, these transactions were made only at the teller's counter, but today they are using automated teller machines, cell phones, personal digital assistants (PDAs), and telephones. As a result, deposit transactions for personal names have become quite convenient.

Meanwhile, in the case of general companies, various types of deposit transactions are made. Deposit transactions are made with the approval of the manager in charge of the operation of the enterprise. However, managers perform various activities, such as sales and counseling, and often work outside the company. This makes it difficult for managers to directly deal with deposits in the company, and there are accounting / accounting personnel within the company. The deposit transactions of companies through banks, etc. are actually made by these persons.

However, since the managers handle the company's deposit transaction, the company's deposit transaction can be made without management's approval. As a result, embezzlement or mishandling by managers may occur, which may result in loss to the company.

In order to prevent loss by the person in charge, a service may be provided to set the limit of withdrawal and transfer of the deposit and to transmit the transaction details. However, the limit can be easily adjusted in such a service, and already completed transactions are provided.

Eventually, there is a method in which the manager directly confirms and approves the deposit transaction by the person in charge, but this may cause a loss in the case of a cumbersome and urgent deposit transaction.

The present invention is to provide a deposit security transaction system and method in which the information according to the deposit transaction is provided quickly, and the confirmation and approval accordingly is implemented.

In addition, the present invention is to provide a deposit security transaction system and method that can prevent the financial loss of the user, to ensure the reliability for the user.

The present invention provides a secure transaction server for receiving a deposit transaction approval request; An intermediate server receiving the deposit transaction approval request from the secure transaction server and generating a request message according to the deposit transaction approval request; And a payment terminal receiving the request message from the mediation server and performing a deposit transaction approval process for the deposit transaction approval request, wherein the mediation server receives the deposit transaction approval process from the payment terminal and the safety A deposit security transaction system is disclosed which is transmitted to a transaction server so that a deposit transaction can be implemented.

The deposit security transaction system further includes a request terminal for transmitting the deposit transaction approval request to the broker server, wherein the deposit transaction approval request is transmitted to the secure transaction server via the broker server. Initiate a deposit safe trading system.

In addition, the mediation server, upon receiving the deposit transaction approval process from the payment terminal, discloses a deposit security transaction system, which generates a processing message according to the deposit transaction approval process and transmits it to the request terminal.

In addition, the payment terminal is a mobile communication terminal connected to the intermediary server through the approval software, the approval software is received and output the deposit transaction approval request from the payment terminal, the deposit transaction for the deposit transaction approval request Disclosed is a deposit security transaction system characterized in that an approval process is performed.

In addition, the payment terminal is connected to the intermediary server through the received request message, and initiates a deposit security transaction system, characterized in that the deposit transaction approval request according to the request message is output through the approval software. .

In addition, before the deposit transaction approval request is output from the payment terminal, the broker server discloses a deposit security transaction system, characterized in that whether the connection to the payment terminal via the approval software can be confirmed.

In addition, the payment terminal includes the authentication data, and after the verification of the authentication data, the deposit security transaction transaction system characterized in that the deposit transaction approval request and the deposit transaction approval process can be viewed through the approval software. Initiate.

Further, the payment terminal transmits the authentication data to the intermediary server together with the deposit transaction approval process, and the intermediary server transmits the deposit transaction approval process to the secure transaction server after verification of the authentication data. Disclosed is a deposit security transaction system.

Further, the payment terminal transmits the deposit transaction approval process to the intermediary server so that the deposit transaction approval process is received at the secure transaction server, and the mediation server receives the deposit transaction approval process to approve the deposit transaction. Disclosed is a deposit security transaction system characterized by transmitting a process message according to a process to the payment terminal.

In addition, the secure transaction server receives and stores a payment line including a plurality of payers, and as the secure transaction server stores the payment line, the broker server connects to the payment terminal according to the payment line through the approval software. Disclosed is a deposit security transaction system characterized by being accessible.

In addition, the secure transaction server selects the payment terminal included in the payment line according to the transaction amount of the deposit transaction approval request, and the brokerage server, characterized in that the intermediary server to transmit the request message It starts.

In addition, the deposit security transaction system, the service request is received, so that the receipt of the deposit transaction approval request is selected in the secure transaction server, and further comprises an account system that the deposit transaction is performed, the account system is the secure transaction A deposit safe transaction system is disclosed which transmits a deposit transaction fulfillment for the deposit transaction which has been transferred to a server.
In addition, the deposit transaction approval request includes a deposit transaction approval processing valid period, and if the deposit transaction approval process is not performed from the payment terminal during the deposit transaction approval processing valid period, the pending deposit transaction approval request is cancelled. Disclosed is a deposit security trading system characterized in that the.

In addition, the present invention comprises the steps of: (a) the mediation server receives the deposit transaction approval request from the requesting terminal, and transmits the deposit transaction approval request to the secure transaction server; (b) the secure transaction server receiving the deposit transaction approval request and sending it to the mediation server; (c) the broker server receiving the deposit transaction approval request from the secure transaction server, and generating and transmitting a request message according to the deposit transaction approval request; (d) a payment terminal receiving the request message from the mediation server; (e) the payment terminal receiving the deposit transaction approval request through the request message, performing a deposit transaction approval process for the deposit transaction approval request, and transmitting the received transaction; (f) the mediation server receiving the deposit transaction approval process from the payment terminal and transmitting the deposit transaction approval process to the secure transaction server; And (g) allowing the secure transaction server to perform a deposit transaction in accordance with the deposit transaction approval request.

The deposit security transaction method may further include transmitting a processing message according to the deposit transaction approval process to the requesting terminal when the broker server receives the deposit transaction approval process. Discuss a trading method.

delete

In addition, the step (e), the payment terminal discloses a deposit security transaction method comprising the step of transmitting the deposit transaction approval process with the authentication data to the intermediary server.

In addition, in the step (f), after the intermediary server has verified the authentication data, the deposit transaction approval process is transmitted to the secure transaction server so that the deposit transaction for the deposit transaction approval process is performed. Disclosed is a deposit security transaction method comprising the step of.

In addition, the step (b), the secure transaction server comprises the step of selecting the payment terminal according to the transaction amount of the deposit transaction approval request, characterized in that it comprises the step of transmitting the request message from the intermediary server Initiate a deposit safe transaction method.

In addition, the deposit safe transaction method, the account system performs the deposit transaction, and discloses a deposit safe transaction method, characterized in that further comprising the step of transmitting the deposit transaction fulfillment to the secure transaction server.

In addition, the step (e), the payment terminal is connected to the intermediary server through the approval software, the deposit security transaction method comprising the step of outputting the deposit transaction approval request.
The deposit transaction approval request may include a deposit transaction approval processing valid period, and the deposit safe transaction method may be suspended if the deposit transaction approval processing is not performed from the payment terminal during the deposit transaction approval processing valid period. Disclosed is a deposit safe transaction method further comprising the step of canceling the deposit transaction approval request.

The deposit security transaction system and method according to the present invention includes a secure transaction server, an intermediary server, and a payment terminal, so that the deposit transaction is performed after the deposit transaction approval process for the deposit transaction approval request is performed. At this time, the performance of the deposit transaction is in accordance with the deposit transaction approval request.

As described above, as the deposit transaction is performed after the approval process for the deposit transaction approval request is performed, the deposit transaction can be prevented from being arbitrarily executed, so that the deposit transaction can be managed. In addition, the deposit transaction implementer may execute various forms of deposit transactions such as cash withdrawal or bank transfer by various methods such as internet banking, phone banking, teller transaction, and using an automatic teller machine for deposit transactions that have been approved. .

In addition, in the process of deposit transaction approval request and deposit transaction approval processing, verification data is verified. This ensures authenticity of the deposit transaction approval request and deposit transaction approval process, thereby improving the reliability of the deposit transaction being performed.

In addition, the deposit transaction approval request and deposit transaction approval process can be transmitted and received through the mobile communication terminal, it can be easily confirmed. Due to this, the settlement according to the deposit transaction approval request is made quickly, and the settlement time for the deposit transaction may be shortened.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, if it is determined that the detailed description of the related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a view showing a deposit safe transaction system 100 according to a preferred embodiment of the present invention, Figure 2 is the approval software is installed in the payment terminal 103 of the deposit safe transaction system 100 shown in FIG. Figure 3 is a view showing a state, Figure 3 is a view showing a state in which the deposit transaction approval processing is performed in the payment terminal 103 of the deposit safe transaction system 100 shown in Figure 1, Figure 4 is a deposit shown in FIG. The request terminal 104 of the secure transaction system 100 is a view showing a state where a deposit transaction approval request is made. As shown in Figures 1 to 4, the deposit security transaction system 100 according to a preferred embodiment of the present invention is secure transaction server 101, intermediary server 102, payment terminal 103, request terminal ( 104), including the account system 105, so that the deposit transaction according to the account is carried out. In this case, a deposit transaction means a payment or withdrawal, such as a wire transfer or cash withdrawal.

The secure transaction server 101 receives a deposit transaction approval request. At this time, the deposit transaction approval request is received by the secure transaction server 101 via the mediation server (102). With the deposit transaction approval request received at the secure transaction server 101, the execution of the deposit transaction is suspended and sent to the intermediary server 102. In addition, the payment terminal 103 receives a deposit transaction approval request from the mediation server (102). At this time, as the deposit transaction approval process for the deposit transaction approval request is performed in the payment terminal 103 and transmitted to the mediation server 102, the safe transaction server 101 receives the deposit transaction approval process from the mediation server 102. do. At this time, the secure transaction server 101 allows the deposit transaction to be implemented. That is, only the deposit transaction corresponding to the deposit transaction approval process for the deposit transaction approval request can be performed. In addition, viable deposit transactions are generally performed in account 105.

Meanwhile, the secure transaction server 101 may be substantially the same as the account system of the financial institution. In this case, the account system 105 does not exist and the deposit transaction may be directly performed in the secure transaction server 101.

Here, the deposit transaction approval request basically includes an account number, a transaction date, a transaction amount, and a use. The account number means the account number where the deposit transaction is to be performed through the system 100 of the present invention. For example, when such an account number is registered in the secure transaction server 101, a deposit transaction approval request may be received at the secure transaction server 101 via the intermediary server 102. In addition, the transaction date and the transaction amount are generally used for deposit transactions. In addition, the use includes the contents of a deposit transaction, for example, 'purchase of materials', 'payment of pay', etc., and provide information on the deposit transaction to the payer for the deposit transaction approval request. Such request for approval of deposit transaction is desirable when cash withdrawal is made through deposit transaction. In addition, when the account transfer is made through a deposit transaction, the deposit transaction approval request may further include a transfer bank, a transfer account number, and a transfer account name, which are information on the account to be transferred.

In addition, the secure transaction server 101 may receive the payment line according to the account number. Here, the payment line includes a plurality of payers, and includes information on the payer's position, name, payment order, payment status according to the transaction amount, and the payment terminal 103 held for each payer. At this time, the secure transaction server 101 receives and stores the payment line.

The secure transaction server 101 selects the settlement terminal 103 included in the settlement line according to the transaction amount of the deposit transaction approval request, and transmits the request message from the mediation server 102. For example, in some companies, if the manager, manager, or president is the payer, the manager is the payer when the transaction amount is less than 10 million won, and the manager and the manager are the payer when the transaction amount is less than 100 million won. In this case, the manager, managing director, and president may be selected as the payers. The secure transaction server 101 enables the intermediary server 102 to send a request message to the payment terminal 103 of the selected payment agent.

On the other hand, if the transaction amount is less than a certain amount, it may be set so that the approval process of the settlement. In addition, even if the use is regular or for a specific purpose of deposit transactions, such as paying bills or repaying loans, the settlement process may not be required.

In such a case, the deposit transaction approval request does not need to be transmitted from the secure transaction server 101 to the intermediary server 102 because no authorization process for this is required. Therefore, it is possible to immediately execute the deposit transaction for the deposit transaction approval request from the safe transaction server 101. At this time, the secure transaction server 101 transmits the deposit transaction approval request to the account system 101, and the deposit transaction for the deposit transaction approval request is performed in the account system 105. In addition, the deposit transaction approval can be performed by the deposit transaction approval requestor, and then the deposit transaction can be implemented.

In addition, the secure transaction server 101 stores the received deposit transaction approval request separately and transmits it to the mediation server 102.

In addition, the secure transaction server 101 receives the deposit transaction approval process performed on the deposit transaction approval request from the mediation server 102. As a result, the mediation server 102 may transmit a processing message according to the deposit transaction approval process.

The mediation server 102 generates a request message for the deposit transaction approval request and transmits it to the payment terminal 103. This is done by receiving the deposit transaction approval request sent from the mediation server 102 from the secure transaction server 101. In this case, the request message includes a request that approval processing for the deposit transaction approval request is required, and the payment terminal 103 is connected with the intermediary server 102 to confirm or inquire the deposit transaction approval request according to the request message. For this purpose, the request message generally takes the form of a URL callback short message or a two-way short message.

In addition, the mediation server 102 transmits a request message to the payment terminal 103 selected by the safe transaction server 101 according to the deposit transaction approval request. In other words, the request message according to the deposit transaction approval request for which approval processing is required is transmitted from the mediation server 102.

On the other hand, the intermediary server 102 receives the deposit transaction approval process for the deposit transaction approval request, and transmits the deposit transaction approval process to the safe transaction server 101. In addition, the mediation server 102 also transmits a processing message according to the deposit transaction approval process. Here, the processing message includes that the deposit transaction approval process for the deposit transaction approval request has been performed, and it is generally desirable to provide the deposit transaction approval requester. As a result, the deposit transaction approval requester recognizes that the deposit transaction is feasible, and when the deposit transaction is cash withdrawal, actually withdraws the cash as much as the transaction amount of the deposit transaction approval request. You will be asked to transfer your account according to the transaction approval request.

The payment terminal 103 receives a request message from the mediation server 102 and performs a deposit transaction approval process for the deposit transaction approval request. The deposit transaction approval process is sent to the mediation server 102.

In general, the payment terminal 103 is a mobile communication terminal carried by the payer. Herein, the mobile communication terminal includes a mobile phone, a notebook computer, a personal digital assistant, and the like, but is not limited thereto, and includes a device that is always easy to be operated by the payer.

In addition, the payment terminal 103 is connected to the mediation server 102 through the approval software, and outputs the deposit transaction approval request and performs the deposit transaction approval process. In general, the approval software may be in the form of an application program or a virtual machine installed and executed in the payment terminal 103. In addition, for the payment terminal 103 where the installation of the approval software is limited, the approval software may be in the form of a swap page provided by the intermediary server 102. The mediation server 102 checks whether or not it is connected to the payment terminal 103 through the approval software.

In addition, the payment terminal 103 includes authentication data that can represent the authenticity of the payment. The authentication data herein may be used as an authorized certificate stored in the payment terminal 103 or a secure transaction password provided from a disposable password generator and a security card.

This authentication data is transmitted to the intermediary server 102 and verified at the secure transaction server 101. In addition, verification of authentication data may be performed on an authentication server (not shown) instead of the secure transaction server 101. This can also verify the authenticity of the deposit transaction approval process performed by the approver.

After the verification of the authentication data is performed in this way, the deposit transaction approval process sent to the mediation server 102 may be sent to the secure transaction server. In addition, the payment terminal 103 may be connected to the mediation server (102).

Meanwhile, the secure transaction password may be arbitrarily set and changed by the approval software through the approval software.

This embodiment shows a case where the approval software is installed in the payment terminal 103, and the authenticity of the payment is verified through the secure transaction password by the payment.

The authorization software is stored on the mediation server 102 or on a separate storage server (not shown) associated with the mediation server 102. The payment terminal 103 connects with the mediation server 102 to receive and install the approval software.

As shown in (a) of FIG. 2, the payment terminal 103 receives an installation message from the mediation server 102. Here, the installation message includes a content of selecting whether to receive the approval software from the mediation server 102, and has a form of a UAL callback short message or a two-way short message. If the reception of the approval software is selected, the payment terminal 103 is connected to the mediation server 102 through an installation message to receive and install the approval software. At this time, a message as shown in (b) of Figure 2 is output to the payment terminal 103.

As shown in Fig. 2 (c) and (d), the approval software is installed in the payment terminal 103, and is executed for the first time. At this time, the secure transaction password is input by the payer through the approval software, and the entered secure transaction password is converted into a hash value and transmitted to the mediation server 102. At this time, the mediation server 102 transmits the secure transaction password to the secure transaction server 101 to be stored. As a result, a secure transaction password is set.

The deposit transaction approval request received through the approval software installed as described above and the deposit transaction approval process performed may be output from the payment terminal 103 and inquired. In addition, before the deposit transaction approval request is output from the payment terminal 103, the mediation server 102 checks whether the approval software is installed at the payment terminal 103. At this time, when the approval software is not installed in the payment terminal 103, the mediation server 102 transmits the installation message to the payment terminal 103, the payment terminal 103 is subjected to the above-described installation process.

As shown in Figure 3, the general payment terminal 103 confirms the deposit transaction approval request through the request message, and performs the deposit transaction approval process for this.

As shown in (a) of FIG. 3, the payment terminal 103 may confirm that a deposit transaction approval request is made through a request message. At this time, the authorization software is executed through the request message. In addition, as shown in (b) to (e) of FIG. 3, the deposit transaction approval request received through the selection of the menu is output through the approval software for inquiry. At this time, as shown in (f) to (h) of Figure 3, the confirmation operation for the output deposit transaction approval request is made, the deposit transaction approval process for the deposit transaction approval request starts to be performed. At this time, the approval software requests the input of the secure transaction password, and outputs the deposit transaction approval process after the secure transaction password is input. Confirmation work on the deposit transaction approval process is performed. For this reason, the deposit transaction approval process is performed, and the entered safe transaction password is converted into a hash value and transmitted from the settlement terminal 103 to the secure transaction server 101 via the intermediary server 102.

The secure transaction server 101 compares the secure transaction password received from the mediation server 102 with the secure transaction password already stored, and when they coincide with each other, the deposit transaction approval process is normally performed. At this time, the deposit transaction approval process can be inquired from the payment terminal (103). In other words, the settlement transaction and deposit transaction approval process is authentic by the secure transaction password entered through the approval software. When the deposit transaction approval process is transmitted from the payment terminal 103 to the mediation server 102, the mediation server 102 transmits the deposit transaction approval process to the secure transaction server 101, and also transmits a processing message accordingly. . In this case, the processing message may be provided to the deposit transaction approval requestor from the mediation server 102. Herein, the processing message is a message indicating the fact that the deposit transaction approval process for the deposit transaction approval request is performed. This makes the deposit transaction feasible by the deposit transaction approval requestor.

On the other hand, if the approval software is not executed through the request message received from the payment terminal 103, the deposit transaction approval request according to the request message is canceled. In addition, even if the deposit transaction approval request is output through the approval software at the payment terminal 103, the deposit transaction approval request is canceled even when the deposit transaction approval process is not performed or the performed deposit transaction approval process is cancelled.

In addition, the deposit transaction approval request may include a validity period of the deposit transaction approval processing. Here, the validity period of deposit transaction approval processing can be set at a specific time such as business closing time, 4:00 pm, etc. It can be set in units. If the deposit transaction approval process is not performed in the payment terminal 103 within this deposit transaction approval processing validity period, the deposit transaction approval request is canceled.

As mentioned above, even when the deposit transaction approval request is canceled, the canceled deposit transaction approval request, such as deposit transaction approval processing, may be transmitted to the mediation server 102. At this time, the mediation server 102 transmits the canceled deposit transaction approval request to the safe transaction server 101, and transmits a message indicating that the deposit transaction approval request is canceled to the deposit transaction approval requester. In addition, the secure transaction server 101 cancels the canceled transaction transaction approval request.

The request terminal 104 transmits a deposit transaction approval request to the mediation server 102. That is, the deposit transaction approval requester allows the deposit transaction approval request to be transmitted to the secure transaction server 101 via the intermediary server 102 through the request terminal 104. Therefore, the above-mentioned work performed by the deposit transaction approval requester is performed through the request terminal 104, and a message transmitted from the mediation server 102 to the deposit transaction approval requester is transmitted to the request terminal 104 and output.

In addition, it is preferable that a processing message according to the deposit transaction approval process is transmitted to the request terminal 104 and provided to the deposit transaction approval requester. For this reason, the deposit transaction approval requestor may check the processing message through the request terminal 104 and then perform the deposit transaction. To this end, the request terminal 104 is preferably a mobile communication terminal, such as the payment terminal 103. Therefore, the deposit transaction approval requester may execute various forms of deposit transaction such as cash withdrawal or bank transfer in various ways such as internet banking, phone banking, teller transaction, and using an automatic teller machine after the approval processing for the deposit transaction approval request is performed. It becomes possible. At this time, the deposit transaction is in accordance with the deposit transaction approval request made in the request terminal (104). On the other hand, the request terminal 104 is not limited to a mobile communication terminal, and may include various devices such as a branch counter device or an automated teller machine, a computer or a window device connected to the Internet.

In addition, the request terminal 104 is connected to the intermediate server 102 through the approval software, such as the payment terminal 103. As a result, as shown in FIG. 4, the request terminal 104 receives a deposit transaction approval request. The authenticity of the approval requestor is then verified by the authentication data.

As shown in (a) to (c) of FIG. 4, the deposit transaction approval request is input to the approval software by the operation of the deposit transaction approval requester. In this case, as shown in FIGS. 4D to 4F, the input of the secure transaction password is requested as authentication data, and the deposit transaction approval request is output through the approval software after the secure transaction password is input. In this case, the authentication data may be in the form of a public certificate stored in the payment terminal in place of the secure transaction password. Confirmation work on the printed deposit transaction approval request is performed. For this reason, the deposit transaction approval request is transmitted to the secure transaction server 101 via the mediation server 102.

In addition, the request terminal 104 can check and confirm the deposit transaction approval request and deposit transaction approval process through the approval software.

 Meanwhile, although the deposit security transaction system 100 according to the present invention is generally used for a corporate account, it may also be used for an individual account. At this time, the account holder shall perform deposit transaction approval processing for deposit transaction approval request.

Therefore, in order to perform the deposit transaction under his account, the account holder must execute the deposit transaction approval request and the deposit transaction approval process accordingly. At this time, the account holder executes the approval software in the payment terminal 103 without a separate request terminal 104, transmits a deposit transaction approval request through the approval software, and performs the deposit transaction approval process accordingly. That is, the payment terminal 103 may be used to serve as the requesting terminal 104 through the approval software. In addition, the deposit transaction approval request may be made by a third party other than the account holder. At this time, the account holder must carry out the deposit transaction approval processing through the payment terminal 103 possessed. For this reason, even if the information of the personal account is exposed, the performance of the deposit transaction by the third party may be restricted. That is, the deposit security transaction system 100 of the present invention can guarantee the security of the account to the owner of the personal account.

The account system 105 receives the service request for the use of the deposit safe transaction system 100, and only the deposit transaction approval request according to the account for which the service request is received is secured through the intermediary server 102. Is transmitted to the payment terminal 103 so that the deposit transaction approval process is performed. The account system 105 includes information about the account, and the account system 105 where the service request is received transmits the information about the account to the secure transaction server 101. At this time, the secure transaction server 101 stores the account number of the account received the service application.

In addition, in order for the approval process by each payer to be performed, the payment terminal 103 for each payer needs to install the approval software to access the intermediary server 102. To this end, the secure transaction server 101 requests the mediation server 102 to send an installation message. Thus, as mentioned above, the mediation server 102 sends an installation message to each payment terminal 103. As a result, each payment terminal 103 is connected to the intermediary server 102 through the installation message, and receives and installs the approval software.

On the other hand, when the installation of the approval software in the payment terminal 103 is limited, the payment terminal 103 is connected to the intermediate server 102 through verification of the authentication data to use the approval software of the intermediate server 102. . As a result, the payment terminal 103 may output the deposit transaction approval request through the approval software, and perform the deposit transaction approval process for the deposit transaction approval request. In addition, the mediation server 102 selects the payment terminal 103 in the payment line according to the transaction amount of the deposit transaction approval request and transmits a request message.

The account system 105 receives not only a service request but also a termination of the received service request. Therefore, the canceled service request is transmitted to the secure transaction server 101, and the account number is deleted from the secure transaction server 101.

On the other hand, the deposit transaction is carried out in the account system 105. The account system 105 receives the deposit transaction approval process from the secure transaction server 101, whereby the deposit transaction is executed. For this reason, when the deposit transaction is cash withdrawal, the cash withdrawal by the deposit transaction approval requestor is approved in the account system 105. In addition, when the deposit transaction is a wire transfer, the account transfer is made in the account system 105 in accordance with the deposit transaction approval request. The execution of such a deposit transaction may be made by the account system 105 in combination with the requesting terminal 104. At this time, the account system 105 transmits the deposit transaction transfer completion for the deposit transaction to the secure transaction server 101. In addition, due to the performance of the deposit transaction, the balance change of the account according to the deposit transaction approval request is made, account account 105 can be used to provide the current balance for the account.

5 is a flowchart illustrating a deposit security transaction method according to a preferred embodiment of the present invention. As shown in FIG. 5, the deposit safe transaction method according to the preferred embodiment of the present invention allows the deposit transaction to be executed after the deposit transaction approval process is performed for the deposit transaction approval request, and the components used therein are described above. Reference is made to the components of the deposit security transaction system 100 described in FIG.

First, the secure transaction server 101 receives the deposit transaction approval request, and transmits to the intermediary server 102 (S101). The deposit transaction approval request in step S101 is made in the request terminal 104 through the approval software and received via the intermediary server 102. The approval software includes verification of authentication data as well as deposit transaction approval requests. If the authentication data is verified, the secure transaction server 101 may receive a deposit transaction approval request.

In addition, the secure transaction server 101 selects whether or not to transmit the deposit transaction approval request to the mediation server 102 according to the transaction amount included in the deposit transaction approval request.

For example, when the transaction amount is more than a certain amount, the secure transaction server 101 allows the intermediary server 102 to transmit a request message for the deposit transaction approval request. At this time, the secure transaction server 101 selects the payment terminal 103 to receive the request message according to the transaction amount. On the other hand, if the transaction amount is less than a certain amount, the secure transaction server 101 does not transmit the deposit transaction approval request to the intermediary server 102, but transmits to the account system 105. At this time, the step of performing the deposit transaction in the account system 105 may be made (S101a). In addition, even if the deposit transaction approval request is a regular or includes a specific use step S101a can be made.

Subsequently, the mediation server 102 generates and transmits a request message for the deposit transaction approval request (S102). In step S102, the intermediary server 102 receives the deposit transaction approval request from the secure transaction server 101. In this case, the mediation server 102 may transmit a request message to the payment terminal 103 selected by the secure transaction server 101.

Subsequently, the payment terminal 104 receives a request message from the mediation server 102 (S103). At this time, according to the transaction amount of the deposit transaction approval request, only the selected payment terminal 103 receives the request message. In step S103, the payer can check the request message output through the payment terminal 103, can be selected by querying the deposit transaction approval request according to the request message.

Subsequently, the payment terminal 103 receives the deposit transaction approval request through the request message, performs a deposit transaction approval process for the deposit transaction approval request, and transmits it (S104). Step S104 is performed through the approval software in the payment terminal 103.

In step S104, the payment terminal 103 is a verification of the authentication data through the approval software. At this time, the deposit transaction approval process is transmitted to the intermediary server 102 together with the authentication data. On the other hand, if the deposit transaction approval process is not performed for the deposit transaction approval request, the step of canceling the deposit transaction approval request is made (S104a).

Subsequently, the intermediary server 102 transmits the deposit transaction approval process to the secure transaction server 101, and transmits a process message accordingly (S105). Step S105 may be performed only when the authenticity of the authentication data received by the mediation server 102 together with the deposit distance approval process is verified. At this time, the processing message is transmitted to the request terminal 104, it can be confirmed by the deposit transaction approval requester.

Subsequently, the secure transaction server 101 receives the deposit transaction approval process from the mediation server 102, so that the deposit transaction in accordance with the deposit transaction approval request can be executed (S106).

Subsequently, the account system 105 performs a deposit transaction (S107). At this time, the account system 105 changes the account, the account system 105 transmits the deposit transaction transfer completion to the secure transaction server 101. For this reason, the deposit transaction approval request for the deposit transaction is completed in the safe transaction server 101.

While the present invention has been described in connection with certain exemplary embodiments, it will be understood by those skilled in the art that various changes may be made without departing from the scope of the present invention.

1 is a view showing a deposit security transaction system according to a preferred embodiment of the present invention.

FIG. 2 is a view showing a state where the approval software is installed in the payment terminal of the deposit security transaction system shown in FIG.

FIG. 3 is a diagram illustrating a state where a deposit transaction approval process is performed in a payment terminal of the deposit security transaction system shown in FIG. 1.

FIG. 4 is a diagram illustrating how a deposit transaction approval request is made in the request terminal of the deposit security transaction system shown in FIG. 1.

5 is a view showing a deposit security transaction method according to a preferred embodiment of the present invention.

Claims (22)

A request terminal for transmitting a deposit transaction approval request; An intermediary server that receives the deposit transaction approval request from the request terminal; When the deposit transaction approval request is received from the intermediary server, the transaction is suspended, and the secure transaction server for sending the deposit transaction approval request to the intermediary server (the intermediary server accepts the deposit transaction received from the secure transaction server). Generate a request message according to the request); And Receiving the request message from the intermediary server, including a payment terminal for performing a deposit transaction approval process for the deposit transaction approval request, The mediation server receives the deposit transaction approval process from the payment terminal and transmits the deposit transaction approval process to the secure transaction server, so that the deposit transaction can be implemented. delete The method of claim 1, The mediation server, upon receiving the deposit transaction approval process from the payment terminal, generates a transaction message according to the deposit transaction approval process and transmits it to the request terminal. The method of claim 1, The payment terminal is a mobile communication terminal connected to the intermediary server through the approval software, The approval software outputs the deposit transaction approval request received from the payment terminal, and the deposit transaction approval process for the deposit transaction approval request is performed. The method of claim 4, wherein The payment terminal is connected to the mediation server through the request message received from the mediation server, deposit security transaction system characterized in that for outputting the deposit transaction approval request in accordance with the request message through the approval software. The method of claim 4, wherein Before the deposit transaction approval request is output from the payment terminal, the broker server checks whether the connection with the payment terminal through the approval software, characterized in that the deposit security transaction system. The method of claim 4, wherein And the payment terminal includes authentication data, and after the verification of the authentication data is performed, the deposit transaction approval request and the deposit transaction approval process can be viewed through the approval software. The method of claim 7, wherein The payment terminal transmits the authentication data to the intermediary server together with the deposit transaction approval process, and the intermediary server transmits the deposit transaction approval process to the secure transaction server after verification of the authentication data. Deposit security trading system. The method of claim 1, The payment terminal transmits the deposit transaction approval process to the intermediary server to receive the deposit transaction approval process from the secure transaction server. The mediation server, upon receiving the deposit transaction approval process, transmits a processing message according to the deposit transaction approval process to the payment terminal. The method of claim 1, The secure transaction server stores the payment line including a plurality of payers, The secure transaction server is a deposit security transaction system, characterized in that the intermediary server to be connected to the payment terminal according to the payment line through the approval software. The method of claim 10, The secure transaction server selects a payment terminal included in the payment line according to the transaction amount of the deposit transaction approval request, and transmits the request message to the selected payment terminal from the broker server. system. According to claim 1, The deposit security transaction system, The security transaction server further comprises whether to receive the deposit transaction approval request is selected, and further comprising an account system for performing the deposit transaction, The account system is a deposit safe transaction system, characterized in that for transmitting the deposit transaction fulfillment for the fulfilled deposit transaction to the secure transaction server. (a) receiving, by the intermediary server, the deposit transaction approval request from the request terminal, and transmitting the deposit transaction approval request to the secure transaction server; (b) when the secure transaction server receives the deposit transaction approval request, suspends the execution of the deposit transaction and transmits the deposit transaction approval request to the intermediary server; (c) the mediation server receiving the deposit transaction approval request from the secure transaction server, generating a request message according to the deposit transaction approval request, and transmitting the request message to a payment terminal; (d) the payment terminal receiving the request message from the mediation server; (e) receiving, by the payment terminal, the deposit transaction approval request through the request message, performing a deposit transaction approval process for the deposit transaction approval request, and transmitting the deposit transaction approval request to the mediation server; (f) the mediation server receiving the deposit transaction approval process from the payment terminal and transmitting the deposit transaction approval process to the secure transaction server; And (g) allowing the secure transaction server to perform a deposit transaction in accordance with the deposit transaction approval request. delete The method of claim 13, wherein the deposit security transaction method, And transmitting the processing message according to the deposit transaction approval process to the requesting terminal, when the mediation server receives the deposit transaction approval process from the payment terminal. The method of claim 13, wherein step (e) And the payment terminal transmits the deposit transaction approval process together with the authentication data to the intermediary server. The method of claim 16, wherein step (f) comprises: And after the intermediary server verifies the authentication data, sending the deposit transaction approval process to the secure transaction server to perform the deposit transaction. The method of claim 13, wherein step (b) comprises: And depositing the payment terminal corresponding to the transaction amount of the deposit transaction approval request, and transmitting the request message from the mediation server to the selected payment terminal. . The method of claim 13, wherein the deposit security transaction method, after step (g), The account system performs a deposit transaction in accordance with the deposit transaction approval request, and further comprising the step of transmitting the deposit transaction fulfillment to the secure transaction server further comprising the step of deposit security transaction method. The method of claim 13, wherein step (e) The payment terminal is connected to the mediation server through the approval software, the payment terminal comprising the step of outputting the deposit transaction approval request, characterized in that the deposit security transaction method. According to claim 1, wherein the deposit transaction approval request, Including the expiration date for deposit transaction approval processing, And if the deposit transaction approval process is not performed from the payment terminal during the deposit transaction approval process valid period, the pending deposit transaction approval request is cancelled. The method of claim 13, wherein the deposit transaction approval request, Including the expiration date for deposit transaction approval processing; The deposit security transaction method, And if the deposit transaction approval process is not performed from the payment terminal during the deposit transaction approval processing validity period, canceling the pending deposit transaction approval request.

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