KR101525111B1 - System and method for preventing financial crime using sms(short message service) - Google Patents

Abstract

Disclosed are a system and a method for preventing a financial crime using a short message service (SMS) wherein a text message is transmitted by a financial server to a user terminal through a communication provider server when a financial transaction such as a payment by a credit card, account transfer, or micropayment is requested; it is checked if the financial transaction is approved or not; and the financial transaction is performed only when the approval for the financial transaction is confirmed. The disclosed system for preventing a financial crime using an SMS can prevent damage due to a financial crime by transmitting a text message including links for selecting to approve or reject a financial transaction to the user terminal when the financial transaction is requested, notifying the user of the occurrence of the financial transaction, and performing the financial transaction only when the link for selecting to approve the financial transaction is selected on the user terminal.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a system and method for financial crime prevention using a text service,

The present invention relates to a financial crime prevention system and method using a text service, and more particularly, to a financial crime prevention system and method using a text service for preventing the occurrence of a financial crime by using a text service provided by a communication company.

For convenience of life, the use of services such as credit cards, check cards, internet banking, and micropayments of mobile phones is increasing. That is, it is possible to use a credit card (check card) to pay for the purchase of goods, use a service, carry out a money transfer using a terminal (mobile phone, computer, etc.) without visiting the bank directly, There is an increasing use of services for purchasing goods and paying for the use of services.

Recently, however, financial crimes such as credit card, check card, and cash card have been increasing due to the duplication, the theft and loss of financial card, financial crime, phishing, smsing and farming.

A financial crime caused by a financial card is a form in which another user takes advantage of the purchase of a commodity or the use of a cash service by using a financial card obtained through loss or theft duplication due to a user's fault.

Phishing is a financial crime in which a financial institution or a public institution is impersonated to induce the user to input some or all of the security card serial number and code number for Internet banking through telephone, e-mail and cell phone messages .

Smsing, and pharming include a link address in a text message containing coupons, invitations, and so on. When a link is clicked, a malicious code is installed on a user terminal to perform a micropayment or take out personal information and financial information Of financial crime.

In order to prevent such a financial crime, a credit card company, a bank, and a communication company notify the user of the result of using the card use charge, the transfer charge, the micropayment, etc. through the text service. That is, at present, a card company, a bank, a communication company, and the like provide a service utilization result to a user terminal through a text message after payment, cash service utilization, account transfer, etc. are completed through a text service.

However, conventionally, there is a problem in that the user can not be prevented from damaging the financial crime because it is a method of notifying the user through a text message after completion of the settlement, the cash service, and the account transfer.

In addition, credit card companies, banks, and telecom companies can not provide users with clear financial crime prevention measures. Therefore, in recent years, financial crimes are rapidly increasing, and the amount of damages to credit card companies, banks, and telecommunication companies also increases sharply.

Korean Patent Laid-Open No. 10-2013-0138450 (entitled " Device and system for automatically checking deposit and withdrawal history of a financial institution using SMS and voice notification service of a financial institution)

Disclosure of Invention Technical Problem [8] The present invention has been proposed in order to solve the above-mentioned problems of the prior art. In a financial transaction request such as a card settlement, an account transfer or a small payment, a financial server transmits a text message to a user terminal through a communication company server, And to provide a financial crime prevention system and method using a text service in which a financial transaction is performed only when the approval of a financial transaction is confirmed.

According to an aspect of the present invention, there is provided a financial crime prevention system using a text service, comprising: a card settlement terminal for generating and transmitting card settlement request information including a card unique number, a purchase history and a settlement amount; The card number, the purchase history and the payment amount from the card payment request information received from the card payment terminal, detects the telephone number of the user terminal associated with the detected card number, and detects if the detected payment amount is more than the set amount The payment approval request information including the card number, the purchase history, the payment amount, and the telephone number is generated and transmitted, and the user's primary authentication is performed based on the international mobile device identification code transmitted together with the payment approval information for the payment approval request information If the user's primary authentication is successful, the secondary authentication request is transmitted. If the secondary authentication of the user is performed based on the secondary authentication information of the secondary authentication request and the user succeeds in the secondary authentication, A card issuer server for performing card settlement; And a text message including links for selecting a card number, a purchase history, a payment amount, and whether or not to approve the card, from the payment approval information transmitted from the card company server Transmits the payment approval information to the card issuer server, requests OTP input or fingerprint input based on the secondary authentication request received from the card issuer server And transmits the generated text message to the user terminal corresponding to the telephone number included in the secondary authentication request, receives the secondary authentication information from the user terminal, and transmits the received secondary authentication information to the card company server.

The card company server comprises: a first storage unit for storing the card number, the telephone number, the remaining limit of the card, the set amount and the international mobile device identification code in association with each other, and storing the card settlement result; A first receiving unit for receiving the card settlement request information from the card settlement terminal and receiving second authentication information including payment approval information, OTP, or fingerprint including the international mobile device identification code from the communication company server; A card number, a purchase history, and a payment amount from the card payment request information received by the first receiving unit, detects a setting amount associated with the detected card number from the first storage unit, and if the detected payment amount is equal to or greater than the set amount A first detecting unit for detecting a telephone number associated with the detected card number; Generates card payment approval request information based on the telephone number, card number, purchase history and payment amount detected by the first detection unit, and includes information and a phone number for requesting OTP input or fingerprint input based on the secondary authentication request A first generation unit for generating second authentication request information for the second authentication request; A first transmission unit for transmitting the card payment approval request information and the second authentication request information generated by the first generation unit to the communication company server; An international mobile device identification code associated with the card number detected by the first detection unit is detected from the first storage unit and the international mobile device identification code included in the payment approval information received by the first reception unit and the detected international mobile device identification code And if the user's primary authentication is successful, transmits a second authentication request including information for requesting OTP input or fingerprint input and a phone number to the first generation unit, and transmits the second authentication request including the phone number to the first generation unit A first authentication unit for performing a user secondary authentication based on the received secondary authentication information; And when the first authentication unit succeeds in user second authentication, the second authentication unit performs card settlement based on the card settlement request information, and when the first authentication unit receives the second authentication information including the fingerprint, 1 < / RTI > storage unit.

A transfer terminal for generating and transmitting account transfer request information including an account number, a transfer amount, and a transfer target account number; And a transfer destination account number from the account transfer request information transmitted from the transfer terminal and detects the telephone number of the user terminal associated with the detected account number. If the detected transfer amount is equal to or larger than the set amount And transmits the transfer approval request information including the account number, the transfer amount, the transfer target account number, and the telephone number to the communication company server, and transmits the transfer acceptance request information to the international mobile User authentication is performed based on the device identification code, and when the user first authentication is successful, the second authentication request is transmitted to the communication company server, the second authentication information for the second authentication request is received from the communication company server, If the second user authentication is successful, the user performs the second account authentication based on the account transfer request information. The communication company server detects the account number, the transfer amount, the transfer target account number and the telephone number from the transfer approval information transmitted from the bank server, and detects the account number, transfer amount, transfer target account number And transmits a message to the user terminal corresponding to the detected telephone number, receives the transfer approval information from the user terminal and transmits the received text message to the bank server, Generates a text message requesting OTP input or fingerprint input based on the secondary authentication request, transmits the text message to the user terminal corresponding to the telephone number included in the secondary authentication request, receives the secondary authentication information from the user terminal, To the server.

The bank server includes a second storage unit for storing the account number, the account number, the telephone number, the balance of the account, the set amount, and the international mobile device identification code in association with each other and storing the account transfer result; A second receiving unit for receiving the account transfer request information from the transfer terminal and receiving second authentication information including transfer approval information, OTP, or fingerprint including the international mobile device identification code from the communication company server; A transfer amount, and a transfer target account number from the account transfer request information received by the second receiving unit, detects a set amount associated with the detected account number from the second storage unit, A second detector for detecting a telephone number associated with the account number detected; The account transfer approval request information is generated based on the telephone number, the account number, the transfer amount, and the transfer target account number detected by the second detection unit, information for requesting OTP input or fingerprint input based on the secondary authentication request, A second generation unit for generating second authentication request information including the second authentication request information; A second transmission unit for transmitting the transfer approval request information and the secondary authentication request information generated by the second generation unit to the communication company server; The international mobile device identification code associated with the account number detected by the second detection unit is detected from the second storage unit and the international mobile device identification code included in the transfer approval information received by the second reception unit and the detected international mobile device identification code And if the user's primary authentication is successful, transmits the secondary authentication request including the information requesting the OTP input or the fingerprint input and the telephone number to the second generation unit, A second authentication unit for performing a user secondary authentication based on secondary authentication information received from the second authentication unit; And if the second authentication unit succeeds in user secondary authentication, the user transfers the account transfer based on the account transfer request information. When the second authentication unit receives the secondary authentication information including the fingerprint, the user transfers the account transfer result to the fingerprint 2 storage unit.

The payment server further comprises a micropayment terminal for generating micropayment request information including a telephone number, a purchase history and a payment amount, and transmitting the micropayment request information to a communication company server, wherein the communication company server extracts, from the micropayment payment request terminal, A purchase history and a payment amount, detects a phone number of a user terminal associated with the detected account number, and selects a purchase history, a payment amount, And transmits the text message to the user terminal corresponding to the detected telephone number, performs the user primary authentication based on the international mobile device identification code transmitted together with the micropayment approval information from the user terminal, If the authentication is successful, the character requesting the input of the secondary authentication information including OTP or fingerprint It generates a message and transmits it to the user terminal, and receives the second authentication information from the user terminal performs user authentication, and the second, a successful user authentication, the second performs micropayments on the basis of the retail payment request information.

A third storage unit for storing a telephone number, an international mobile device identification code, a micropayment limit, and a setting amount in association with each other and storing a micropayment result; Receiving the credit card payment approval request information and the secondary authentication request information from the card company server, receiving the account transfer approval request information and the secondary authentication request information from the bank server, receiving the micro payment request information from the micro payment terminal, A third receiving unit for receiving the card payment approval information, the account transfer approval information, the micropayment approval information, and the second authentication information; Generates a text message including links for transmitting a card number, purchase details, payment amount, a card payment approval, and a response to a card payment rejection detected from the card payment approval request information received from the third receiving unit, Generates a text message including the account number, the transfer amount, the transfer target account number, the recipient information, and the links for transferring the account transfer approval and response to the account transfer rejection detected from the account transfer approval request information received in step 3 reception unit, detects the telephone number, the purchase details and the payment amount from the micropayment request information received by the reception unit, detects the set amount associated with the telephone number detected from the third storage unit, , A link to send a purchase history and payment amount, a response to a micropayment approval and a micropayment rejection Generates a text message including information for requesting OTP input or fingerprint input based on the secondary authentication request information, and generates a text message including card payment approval request information, account transfer approval request information, and micro payment request A text message generating unit for transmitting a detected telephone number from one of the information together with the generated text message; The text message is transmitted to the user terminal based on the text message and the telephone number transmitted from the text message generation unit and the card payment approval information or the account transfer approval information received from the third reception unit is transmitted to the card company server or the bank server A third transmission unit; The first user authentication is performed based on the international mobile device identification code associated with the detected phone number and the international mobile device identification code detected from the micropayment approval information received from the micropayment approval information received by the third receiver, If the authentication is successful, the OTP input or the fingerprint input request and the second authentication request including the telephone number are transmitted to the text message generation unit, and based on the second authentication information received by the third reception unit, A third authentication unit for performing the authentication process; And if the third authentication unit succeeds in performing the second user authentication, the micro settlement is performed based on the micro settlement request information. When the third authentication unit receives the second authentication information including the fingerprint, 3 < / RTI > storage unit.

According to another aspect of the present invention, there is provided a method for preventing financial crime using text services, the method comprising the steps of: detecting, by a card company server, a card number, a purchase history and a payment amount from card payment request information received from a card payment terminal ; Generating payment approval request information including the telephone number associated with the card number, the detected card number, the purchase details, and the payment amount if the detected payment amount is not less than the set amount associated with the card number detected by the card issuer server ; Generating a text message including a card number, a purchase history and a payment amount detected from the payment approval request information generated by the card company server by the communication company server and a link for selecting whether to approve the card payment, and transmitting the text message to the user terminal; Receiving payment approval information and an international mobile device identification code from a user terminal by a communication company server; Performing a user primary authentication based on payment approval information and an international mobile device identification code received from a communication company server by a card issuer server; Generating, by the card issuer server, a second authentication request for requesting a telephone number and an OPT input or a fingerprint input when the first user authentication is successful; Generating a text message requesting OTP input or fingerprint input based on the secondary authentication request generated by the card company server by the communication company server and transmitting the text message to the user terminal; Receiving the secondary authentication information from the user terminal by the communication company server and transmitting the secondary authentication information to the communication company server; Performing a user secondary authentication based on the secondary authentication information transmitted from the communication company server by the card issuer server; And performing card settlement based on the card settlement request information when the user secondary authentication is successful by the card issuer server.

Detecting, by the bank server, the account number, the transfer amount, and the transfer target account number from the transfer request information transmitted from the transfer terminal; If the detected transfer amount is equal to or greater than the set amount associated with the account number detected by the bank server, transfer request information including the telephone number associated with the account number, the detected account number, the transfer amount, and the transfer target account number is generated ; Generating a text message including the account number, the transfer amount and the transfer target account number detected from the transfer approval request information generated at the bank server by the communication company server, and a link for selecting whether to accept the transfer, and transmitting the generated text message to the user terminal ; Receiving, by the communication company server, transfer approval information and an international mobile device identification code from a user terminal; Performing, by the bank server, user primary authentication based on the transfer approval information and the international mobile device identification code received by the communication company server; Generating, by the bank server, a detected second telephone number, a second authentication request for requesting an OPT input or a fingerprint input when the first user authentication is successful; Generating a text message requesting OTP input or fingerprint input based on the secondary authentication request generated by the bank server by the communication company server and transmitting the text message to the user terminal; Receiving the secondary authentication information from the user terminal by the communication company server and transmitting the secondary authentication information to the bank server; Performing a user secondary authentication based on the secondary authentication information transmitted from the communication company server by the bank server; And performing bank transfer based on the account transfer request information when the user secondary authentication is successful by the bank server.

Detecting, by the communication company server, the telephone number, the purchase details and the payment amount from the micropayment request information received from the micropayment terminal; If the detected payment amount is not less than the set amount associated with the telephone number detected by the communication company server, generates a text message including links to select the detected telephone number, purchase details, payment amount, and approval for micropayment, Lt; / RTI > Performing a user primary authentication based on the micro settlement approval information and the international mobile device identification code transmitted from the user terminal by the communication company server; Generating, by the communication company server, a text message requesting input of the secondary authentication information including the OTP or the fingerprint to the user terminal if the primary user authentication is successful; Receiving, by a communication company server, secondary authentication information from a user terminal and performing user secondary authentication; And performing a micropayment based on the micropayment request information when the user secondary authentication is successful by the communication company server.

When the secondary authentication information including the fingerprint is received by any one of the card company server, the bank server, and the communication company server, it is possible to link one of the card settlement result, the account transfer result and the small settlement result to the fingerprint And storing the data.

According to the present invention, a financial crime prevention system and method using a text service is a system in which when a financial transaction is requested, a financial server transmits a text message to a user terminal through a communication company server to check whether the financial transaction is approved, It is possible to prevent the occurrence of abnormal financial transactions that are not recognized by the user due to the financial crime.

In addition, the system and method for preventing financial crime using text service can prevent the occurrence of abnormal financial transactions by copying mobile phones by performing user authentication using an international mobile device identification code assigned to mobile devices when a financial transaction occurs .

In addition, the financial crime prevention system and method using the text service collects the fingerprint when the second user authentication is performed in the financial transaction and stores the fingerprint together with the financial transaction result, thereby making it possible to easily acquire the criminal information when an abnormal financial transaction occurs due to the copying of the mobile phone It is effective.

1 is a view for explaining a financial crime prevention system using a character service according to an embodiment of the present invention;
FIG. 2 is a block diagram for explaining the card company server of FIG. 1; FIG.
3 is a block diagram for explaining a bank server of FIG. 1;
FIGS. 4 to 9 are block diagrams for explaining a communication company server of FIG. 1;
10 is a flowchart illustrating a method for preventing financial crime using text services according to an embodiment of the present invention.
11 is a flowchart for explaining the card settlement processing step of FIG.
FIG. 12 and FIG. 13 are flowcharts for explaining the account transfer processing steps of FIG. 10;
Figs. 14 and 15 are flowcharts for explaining the micropayment processing step of Fig. 10; Fig.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings in order to facilitate a person skilled in the art to easily carry out the technical idea of the present invention. . In the drawings, the same reference numerals are used to designate the same or similar components throughout the drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

Hereinafter, a financial crime prevention system using a text service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. 1 is a diagram for explaining a financial crime prevention system using a text service according to an embodiment of the present invention. FIG. 2 is a block diagram for explaining a card company server of FIG. 1, FIG. 3 is a block diagram for explaining a bank server of FIG. 1, and FIGS. 4 to 9 are block diagrams for explaining a communication company server of FIG. 1 .

1, the financial crime prevention system using text service includes a card payment terminal 100, a transfer terminal 200, a micropayment terminal 300, a credit card company server 400, a bank server 500, A server 600, and a user terminal 700.

The card payment terminal 100 is composed of a POS terminal, an ATM terminal, an on-line shop terminal, and the like. The card settlement terminal 100 generates card settlement request information for the cost of purchasing goods and using the service by using a credit card, a check card cash card, or the like. At this time, the card payment terminal 100 generates the card settlement request information including the card unique number, the purchase details and the settlement amount, and transmits the generated card settlement request information to the card company server 400.

The transfer terminal 200 includes a terminal (that is, an ATM, a PC, a smart phone, a tablet, or the like) using a bank account transfer. The transfer terminal 200 generates transfer request information for transferring a predetermined amount to another account. At this time, the card payment terminal 100 generates the account transfer request information including the account number, the transfer amount, and the transfer target account number, and transmits the transfer request information to the bank server 500.

The micropayment terminal 300 comprises an on-line shop terminal operated by a company providing goods and services to the user. The micropayment terminal 300 generates microcredit payment request information for the cost of purchasing goods and using the service. At this time, the micropayment settlement terminal 300 generates micropayment payment request information including the telephone number, the purchase details and the payment amount of the user terminal 700, and transmits the micropayment payment request information to the communication company server 600.

The card issuer server 400 is a server operated by a card company providing a credit card, a check card, a cash card, etc., and receives the card settlement request information from the card settlement terminal 100 to perform settlement of goods purchase and service charge do. That is, the card company server 400 detects the card number, the purchase details, and the payment amount from the card settlement request information received from the card settlement terminal 100. The card issuer server 400 detects the telephone number of the user terminal 700 of the user who uses the card based on the detected card number if the detected payment amount is more than the set amount. The card issuer server 400 transmits the card payment approval request information including the detected phone number, card number, purchase details, and payment amount to the communication company server 600.

When the card issuer server 400 receives the payment approval information of the user received through the communication company server 600, the card issuer server 400 performs the primary authentication. That is, the card issuer server 400 detects the card number from the card settlement request information, and detects the international mobile equipment identity code (IMEI) of the user terminal 700 associated with the detected card number do. The card issuer server 400 processes the detected IMEI as the first authentication success if the IMEI included in the payment approval information is the same.

The card issuer server 400 transmits the secondary authentication request to the communication company server 600 when the primary authentication is successful. That is, the card issuer server 400 transmits a secondary authentication request including an OTP (One Time Password) input or a fingerprint input to the communication company server 600. At this time, the card issuer server 400 transmits the telephone number included in the card settlement request information to the communication company server 600 together with the secondary authentication request.

Upon receipt of the user's secondary authentication information through the communication company server 600, the card issuer server 400 performs payment for the payment amount. At this time, when the card issuer server 400 receives the secondary authentication information including the OPT, it performs the authentication using the known OPT processing technology, and if the authentication is successful, the card issuer server 400 performs settlement of the payment amount. When the card issuer server 400 receives the secondary authentication information including the fingerprint, the card issuer server 400 performs settlement of the corresponding payment amount. In this case, the fingerprint is not used as verification information for determining whether or not the card is charged, and is used as information for tracking criminals in the future when a financial crime occurs in connection with the payment information after the card settlement is performed.

On the other hand, when the remaining limit of the card corresponding to the card number included in the card settlement request information is equal to or greater than the settlement amount, the card company server 400 performs card settlement and transmits the card settlement result (i.e., Lt; / RTI > When the remaining limit of the card corresponding to the card number is less than the settlement amount, the card company server 400 transmits a settlement disable message to the communication company server 600 according to the limit exceeded.

2, the card issuer server 400 includes a first storage unit 410, a first reception unit 420, a first detection unit 430, a first generation unit 440, a first transmission unit 420, 450, a first authentication unit 460, and a card settlement processing unit 470.

The first storage unit 410 stores card information such as a credit card and a check card cash card in association with user information that uses the card. That is, the first storage unit 410 stores the card number, the telephone number, the remaining limit of the card, the set amount, and the IMEI of the user terminal 700 in association with each other.

The first storage unit 410 stores payment information related to card settlement processed by the card settlement processing unit 470. At this time, when the fingerprint is received, the first storage unit 410 stores the payment information and the fingerprint in association with each other.

The first receiving unit 420 receives the card settlement request information from the card settlement terminal 100. That is, the first receiving unit 420 receives the card settlement request information including the card number, the purchase details, and the payment amount. The first receiving unit 420 transmits the received card settlement request information to the first detecting unit 430.

The first receiving unit 420 receives the payment approval information from the communication company server 600. That is, the first receiver 420 receives payment approval information including one of the payment approval and payment decline and the IMEI of the user terminal 700 in response to the payment approval request information transmitted from the communication company server 600 . The first receiving unit 420 transmits the received payment approval information to the first authentication unit 460.

The first receiving unit 420 receives secondary authentication information from the communication company server 600. At this time, the first receiving unit 420 receives the secondary authentication information including the OTP or the fingerprint. The second receiving unit 520 transmits the received secondary authentication information to the first authentication unit 460.

The first detection unit 430 detects the card number, purchase details, and payment amount from the card payment request information received from the first receiving unit 420. The first detection unit 430 detects the set amount associated with the detected card number from the first storage unit 410. [ The first detecting unit 430 detects the telephone number of the user who uses the card that requested the card settlement based on the detected card number, when the detected settlement amount is equal to or greater than the set amount. At this time, the first detection unit 430 detects the telephone number associated with the same card number as the detected card number from the first storage unit 410. The first detection unit 430 transmits the detected phone number, card number, purchase details, and payment amount to the first generation unit 440.

The first generating unit 440 generates the card payment approval request information based on the telephone number, the card number, the purchase details, and the payment amount received from the first detecting unit 430. That is, the first generating unit 440 generates card payment approval request information including the telephone number, the card number, the purchase details and the payment amount, and transmits the card payment approval request information to the first transmission unit 450.

The first generation unit 440 generates secondary authentication request information based on the secondary authentication request transmitted from the first authentication unit 460. [ That is, the first generation unit 440 generates the secondary authentication request information including the information requesting the OTP input or the fingerprint input and the telephone number, and transmits the generated secondary authentication request information to the first transmission unit 450.

The first transmission unit 450 transmits the card payment approval request information received from the first generation unit 440 to the communication company server 600. That is, the first transmission unit 450 transmits the card settlement approval request information to the communication company server 600, and requests the user terminal 700 to transmit a text message for confirming the payment approval.

The first transmitting unit 450 transmits the secondary authentication request information received from the first generating unit 440 to the communication server server 600. At this time, the first transmitter 450 transmits the telephone number to the communication server server 600 together with the secondary authentication request information including the OTP input or the fingerprint input.

The first transmission unit 450 transmits the card settlement result received from the card settlement processing unit 470 to the communication company server 600. That is, the first transmitting unit 450 transmits the telephone number, the card number, the purchase details, the payment amount, and the card settlement result to the communication company server 600.

The first authentication unit 460 performs user primary authentication based on the payment approval information transmitted from the first receiving unit 420. That is, the first authentication unit 460 detects the IMEI from the payment approval information transmitted from the first receiving unit 420. The first authentication unit 460 detects the IMEI associated with the card number detected from the previously transmitted card settlement request information from the first storage unit 410. The first authentication unit 460 compares the detected IMEIs and performs primary authentication for the user. At this time, if the IMEI detected from the payment approval information and the IMEI detected from the first storage unit 410 are the same, the first authentication unit 460 processes the user authentication success.

The first authentication unit 460 transmits the second authentication request to the first generation unit 440 when the first authentication is successful. That is, the first authentication unit 460 transmits the information requesting the OTP input or the fingerprint input and the telephone number to the first generation unit 440.

When the first authentication unit 460 receives the secondary authentication information for the secondary authentication request from the first receiving unit 420, the first authentication unit 460 performs the secondary authentication for the user. That is, when the first authentication unit 460 receives the second authentication information including the OPT, the first authentication unit 460 performs authentication using the known OPT processing technology, and then transmits the second authentication result to the card settlement processing unit 470. [ When the first authentication unit 460 receives the secondary authentication information including the fingerprint, the first authentication unit 460 transmits the fingerprint to the card payment processing unit 470. [

The card settlement processing unit 470 performs card settlement of the card settlement request information based on the user authentication result transmitted from the first authentication unit 460. [ That is, when the first authentication unit 460 determines that the user authentication is successful (i.e., the second authentication succeeds), the card payment processing unit 470 stores the remaining limit corresponding to the card number included in the card payment request information in the first storage (410). The card settlement processing unit 470 performs card settlement if the remaining limit is equal to or greater than the settlement amount included in the card settlement request information. If the remaining limit is less than the settlement amount, the card settlement processing unit 470 treats the settlement as non-settlement due to exceeding the limit. At this time, when the fingerprint is received as the secondary authentication information, the card payment processing unit 470 stores the fingerprint together with the card number, the card number, the purchase history, and the payment amount.

The card settlement processing unit 470 transmits the card settlement result to the first transmission unit 450. At this time, the card settlement processing unit 470 transmits the settlement success as the card settlement result when the normal card settlement is performed, and transmits the settlement impossible result as the card settlement result when the limit is exceeded. The card settlement processing unit 470 transmits the card settlement result to the first transmission unit 450 together with the telephone number, the card number, the purchase details, and the settlement amount.

The bank server 500 receives the account transfer request information from the transfer terminal 200 and transfers a predetermined amount from the user's account to another account. That is, the bank server 500 detects the account number, the transfer amount, and the transfer target account number from the transfer request information received from the transfer terminal 200. The bank server 500 detects the telephone number of the user terminal 700 of the user who uses the account based on the detected account number. The bank server 500 detects the recipient information (for example, name) receiving the transfer based on the transfer target account number. The bank server 500 transmits the transfer approval request information including the detected telephone number, account number, transfer amount, transfer account number, and recipient information to the communication company server 600.

The bank server 500 performs the primary authentication upon receiving the transfer approval information of the user received via the communication company server 600. [ That is, the card issuer server 400 detects the account number from the transfer request information, and detects the IMEI of the user terminal 700 associated with the detected account number. If the detected IMEI and the IMEI included in the transfer approval information are the same, the card issuer server 400 processes the first authentication success.

The bank server 500 transmits the secondary authentication request to the communication company server 600 when the primary authentication is successful. That is, the bank server 500 transmits the secondary authentication request including the OTP input or the fingerprint input to the communication server server 600. At this time, the card issuer server 400 transmits the telephone number included in the transfer request information to the communication company server 600 together with the secondary authentication request.

When the bank server 500 receives the user's secondary authentication information through the communication company server 600, the bank server 500 transfers the corresponding transfer amount. At this time, the bank server 500 performs authentication using the known OPT processing technology upon receiving the second authentication information including the OPT, and if the authentication is successful, the bank server 500 transfers the transfer amount. When the bank server 500 receives the secondary authentication information including the fingerprint, the bank server 500 stores the transfer information and the fingerprint in association with each other after transferring the transfer amount. In this case, the fingerprint is not used as verification information for determining whether or not the transfer is performed, and is used as information for tracing a criminal when a financial crime occurs in the future in connection with the transfer information after performing the account transfer.

The bank server 500 transmits the transfer result (that is, transfer success) to the communication company server 600 after performing the transfer if the balance is greater than or equal to the transfer amount in the account number included in the account transfer request information. If the balance in the account number is less than the transfer amount, the bank server 500 transmits a message indicating that the balance can not be transferred to the communication company server 600.

3, the bank server 500 includes a second storage unit 510, a second reception unit 520, a second detection unit 530, a second generation unit 540, a second transmission unit 520, (550), a second authentication unit (560), and a transfer processing unit (570).

The second storage unit 510 stores the account number of the passbook and the user information of the user who uses the passbook in association with each other. That is, the second storage unit 510 stores the account number, the account number, the telephone number, the account balance, the set amount, and the IMEI of the user terminal 700 in association with each other.

The second storage unit 510 stores transfer information related to the account transfer processed by the transfer processing unit 570. [ At this time, when the fingerprint is received, the second storage unit 510 stores the fingerprint information in association with the transfer information.

The second receiving unit 520 receives the account transfer request information from the transfer terminal 200. That is, the second receiving unit 520 receives the account transfer request information including the account number, the transfer amount, and the transfer target account number. The second receiving unit 520 transmits the received account transfer request information to the second detecting unit 530.

The second receiving unit 520 receives transfer approval information from the communication company server 600. [ That is, the second receiving unit 520 receives the transfer approval information including the IMEI of the user terminal 700 and one of the transfer approval / non-transfer permission in response to the transferred transfer approval request information from the communication company server 600 . The second receiving unit 520 transmits the received transfer permission information to the second authentication unit 560. [

The second receiving unit 520 receives the secondary authentication information from the communication company server 600. At this time, the second receiving unit 520 receives the secondary authentication information including the OTP or the fingerprint. The second receiving unit 520 transmits the received secondary authentication information to the second authentication unit 560.

The second detecting unit 530 detects the account number, the transfer amount, and the transfer target account number from the account transfer request information transmitted from the second receiving unit 520. The second detection unit 530 detects the set amount associated with the detected account number from the second storage unit 510. The second detecting unit 530 detects the telephone number of the user who uses the account number requesting the account transfer if the detected transfer amount is equal to or greater than the set amount. At this time, the second detecting unit 530 detects the telephone number associated with the account number that is the same as the detected account number, from the second storage unit 510. The second detection unit 530 transmits the detected telephone number, account number, transfer amount, and transfer target account number to the second generation unit 540.

The second generating unit 540 generates transfer approval request information based on the telephone number, the account number, the transfer amount, and the transfer target account number transmitted from the second detecting unit 530. That is, the second generation unit 540 generates transfer approval request information including the telephone number, the account number, the transfer amount, and the transfer target account number, and transmits the transfer approval request information to the second transfer unit 550.

The second generation unit 540 generates secondary authentication request information based on the secondary authentication request transmitted from the second authentication unit 560. [ That is, the second generation unit 540 generates second authentication request information including information for requesting OTP input or fingerprint input and a telephone number, and transmits the generated second authentication request information to the second transmission unit 550.

The second transmission unit 550 transmits the transfer approval request information transmitted from the second generation unit 540 to the communication company server 600. That is, the second transmission unit 550 transmits the transfer approval request information to the communication company server 600, and requests the user terminal 700 to transmit the text message for confirming the transfer approval.

The second transmitting unit 550 transmits the secondary authentication request information received from the second generating unit 540 to the communication server server 600. At this time, the second transmitting unit 550 transmits the telephone number to the communication server server 600 together with the secondary authentication request information including the OTP input or the fingerprint input.

The second transmission unit 550 transmits the transfer result received from the transfer processing unit 570 to the communication company server 600. That is, the second transmission unit 550 transmits the telephone number, the account number, the transfer amount, the transfer target account number, and the transfer result to the communication company server 600.

The second authentication unit 560 performs user primary authentication based on the transfer approval information transmitted from the second receiving unit 520. [ That is, the second authentication unit 560 detects the IMEI from the transfer approval information transmitted from the second receiving unit 520. The second authentication unit 560 detects the IMEI associated with the account number detected from the previously transmitted account transfer request information from the second storage unit 510. The second authentication unit 560 compares the detected IMEIs and performs user primary authentication. At this time, if the IMEI detected from the transfer approval information and the IMEI detected from the second storage 510 are the same, the second authentication unit 560 processes the user authentication success.

The second authentication unit 560 transmits the second authentication request to the second generation unit 540 when the first authentication is successful. That is, the second authentication unit 560 transmits the information requesting the OTP input or the fingerprint input and the telephone number to the second generation unit 540.

When the second authentication unit 560 receives the secondary authentication information for the secondary authentication request from the second receiving unit 520, the second authentication unit 560 performs the secondary authentication for the user. That is, when the second authentication unit 560 receives the second authentication information including the OPT, the second authentication unit 560 performs authentication using the known OPT processing technique and then transmits the secondary authentication result to the transfer processing unit 570. [ When the second authentication unit 560 receives the secondary authentication information including the fingerprint, the second authentication unit 560 transmits the fingerprint to the transfer processing unit 570. [

The transfer processing unit 570 transfers the account transfer according to the account transfer request information based on the user authentication result transmitted from the second authentication unit 560. That is, when the second authentication unit 560 determines that the user authentication is successful (that is, the second authentication succeeds), the transfer processing unit 570 transfers the balance corresponding to the account number included in the account transfer request information to the second storage unit 510). The transfer processing unit 570 transfers the transfer amount to the transfer target account number if the balance is equal to or larger than the transfer amount included in the transfer request information. If the balance is less than the transfer amount, the transfer processing unit 570 treats the transfer as impossible due to insufficient balance.

The transfer processing unit 570 transfers the transfer result to the second transfer unit 550. At this time, if the normal account transfer is performed, the transfer processing unit 570 transfers the transfer success as a result of the transfer. The transfer processing unit 570 transmits the transfer result to the second transfer unit 550 together with the telephone number, the account number, the transfer amount, and the transfer target account number.

The communication company server 600 receives the card payment approval request information from the card issuer server 400. The communication company server 600 detects the telephone number, the card number, the purchase details, and the payment amount from the card payment approval request information. The communication company server 600 transmits a text message including the card number, purchase details and payment amount to the user terminal 700 corresponding to the detected telephone number. At this time, the communication company server 600 sets and sends links for sending a response to the payment approval and the payment rejection to the text message in order to easily select whether or not to approve the payment. Upon receiving the payment approval information from the user terminal 700, the communication company server 600 transmits the payment approval information received to the card issuer server 400. [ The communication company server 600 receives the card settlement result from the card issuer server 400 and transmits the card settlement result to the user terminal 700 through a text message.

The communication company server 600 receives the account transfer approval request information from the bank server 500. The communication company server 600 detects the telephone number, the account number, the transfer amount, the transfer target account number, and the receiver information from the account transfer approval request information. The communication company server 600 transmits a text message including the account number, the transfer target account number, the recipient information, and the transfer amount to the user terminal 700 corresponding to the detected telephone number. At this time, the communication company server 600 sets and sends links for transmitting a response to the account transfer approval and the account transfer rejection to the text message so as to easily select whether or not the account transfer is approved. Upon receipt of the account transfer approval information from the user terminal 700, the communication company server 600 transmits the account transfer approval information received to the bank server 500. The communication company server 600 receives the account transfer result from the bank server 500 and transmits the account transfer result to the user terminal 700 through a text message.

The communication company server 600 receives the micropayment request information from the micropayment terminal 300 and performs the micropayment. That is, the communication company server 600 detects the telephone number, the purchase details and the payment amount from the micropayment request information received from the micropayment terminal 300. The communication company server 600 transmits a text message including the purchase details and the payment amount to the user terminal 700 corresponding to the detected telephone number. At this time, the communication company server 600 sets up a link to send a response to the micropayment approval and the micropayment rejection to the text message so as to easily select whether or not to approve the micropayment.

The communication company server (600) performs the primary authentication based on the micropayment approval information received from the user terminal (700). That is, the communication company server 600 detects the telephone number from the micropayment request information, and detects the IMEI of the user terminal 700 associated with the detected telephone number. The communication company server 600 processes the detected IMEI as a first authentication success if the IMEI included in the micropayment approval information is the same.

The communication company server 600 transmits the secondary authentication request to the user terminal 700 when the primary authentication is successful. That is, the communication company server 600 transmits the secondary authentication request including the OTP input or the fingerprint input to the user terminal 700 associated with the telephone number detected in the primary authentication.

When the communication company server 600 receives the secondary authentication information from the user terminal 700, the communication company server 600 performs a micro payment for the payment amount. At this time, upon receiving the second authentication information including the OPT, the communication company server 600 performs authentication using the known OPT processing technology. If the authentication succeeds, the communication company server 600 performs micropayment for the payment amount. When the communication company server 600 receives the secondary authentication information including the fingerprint, the communication company server 600 performs the payment for the payment amount. In this case, the fingerprint is not used as verification information for determining the payment of a card, but is used as information for tracking a criminal in the future when a financial crime occurs in connection with the payment information after performing a micropayment.

The communication company server 600 performs the micropayment if the micropayment limit of the user terminal 700 corresponding to the telephone number included in the micropayment request information is equal to or greater than the payment amount. At this time, the communication company server 600 transmits a small payment result (that is, a small payment success) to the user terminal 700 through a text message. At this time, if the small settlement limit is less than the settlement amount, the communication company server 600 transmits a small settlement settlement disable message to the user terminal 700.

4, the communication company server 600 includes a third receiving unit 610, a text message generating unit 620, a third transmitting unit 630, a third storing unit 640, An authentication unit 650, and a micropayment processing unit 660. [

The third receiving unit 610 receives the card payment approval request information from the card issuer server 400. That is, the third receiving unit 610 receives the card payment approval request information including the telephone number, the card number, the purchase details and the payment amount from the card issuer server 400, and transmits the received card payment approval request information to the text message generating unit 620.

The third receiving unit 610 receives the account transfer approval request information from the bank server 500. That is, the third receiving unit 610 receives the account transfer approval request information including the telephone number, account number, transfer amount, transfer account number, and recipient information from the bank server 500 and transmits the transfer request to the text message generation unit 620 Lt; / RTI >

The third receiving unit 610 receives the micropayment request information from the micropayment terminal 300. That is, the third receiving unit 610 receives the micropayment request information including the telephone number, the purchase details, and the payment amount. The third receiving unit 610 transmits the received micro settlement request information to the text message generating unit 620.

The third receiving unit 610 receives the card payment approval information, the account transfer approval information, and the micropayment approval information from the user terminal 700. That is, the third receiving unit 610 selects one of the links included in the text message in the user terminal 700 that has received the first transmitted text message, and when the third receiving unit 610 accepts or rejects the card settlement, account transfer, (Card payment approval information, account transfer approval information, and micropayment approval information) including the IMEI of the user terminal 700 and the user terminal 700 from the user terminal 700.

The third receiving unit 610 transmits the approval information received from the user terminal 700 to the third transmitting unit 630 or the third authentication unit 650. At this time, the third receiving unit 610 transmits the card settlement approval information or the account transfer approval information to the third transmitting unit 630, and when the third receiving unit 610 receives the small settlement approval information, the third receiving unit 610 transmits the third payment unit 610 to the third authentication unit 650 .

The third receiving unit 610 receives secondary authentication request information from the card issuer server 400 or the bank server 500. At this time, the third receiving unit 610 receives secondary authentication request information including information for requesting OTP input or fingerprint input. The third receiving unit 610 transmits the received secondary authentication request information to the text message generating unit 620.

The third receiving unit 610 receives the secondary authentication information from the user terminal 700. At this time, the third receiving unit 610 receives the secondary authentication information including the OTP or the fingerprint. The third receiving unit 610 transmits the received secondary authentication information to one of the card issuing server 400, the bank server 500, and the third authentication unit 650.

The third receiving unit 610 receives the card settlement result from the card issuing server 400 and transmits the result to the text message generating unit 620. The third receiving unit 610 receives the account transfer result from the bank server 500 and transmits the received result to the text message generating unit 620. At this time, the third receiving unit 610 receives the telephone number together with the card settlement result or the account transfer result, and transmits the telephone number to the message generating unit.

The text message generating unit 620 generates a text message to be transmitted to the user terminal 700 to confirm whether the card payment is approved based on the card payment approval request information transmitted from the third receiving unit 610. [ That is, the text message generation unit 620 detects the telephone number, the card number, the purchase details, and the payment amount from the card settlement request information. The text message generation unit 620 generates a text message including the card number, the purchase history, and the payment amount. 5, the text message generating unit 620 generates a text message including links for transmitting a response to the card settlement approval and the card settlement rejection to the text message in order to easily select whether to approve the card settlement, . The text message generation unit 620 transmits the generated text message to the third transmission unit 630 together with the telephone number.

The text message generating unit 620 generates a text message to be transmitted to the user terminal 700 to confirm whether or not the account transfer is approved based on the account transfer approval request information transmitted from the third receiving unit 610. [ That is, the text message generation unit 620 detects a telephone number, an account number, a transfer amount, a transfer target account number, and receiver information from the account transfer request information. The text message generation unit 620 generates a text message including the account number, the transfer amount, the transfer target account number, and the recipient information. 6, the text message generation unit 620 generates a text message including links for transmitting a response to the account transfer approval and the account transfer rejection to the text message in order to easily select whether or not the account transfer is approved. . The text message generation unit 620 transmits the generated text message to the third transmission unit 630 together with the telephone number.

The text message generating unit 620 generates a text message to be transmitted to the user terminal 700 to confirm whether the micro settlement is approved based on the micro settlement request information transmitted from the third receiver 610. [ That is, the text message generation unit 620 detects a telephone number, purchase details, and payment amount from the micropayment request information. The text message generation unit 620 detects the set amount associated with the detected telephone number from the third storage unit 640. The text message generation unit 620 generates a text message including the purchase details and the payment amount if the detected payment amount is equal to or greater than the set amount. 7, the text message generating unit 620 generates a text message including links for transmitting a response to the micropayment approval and the micropayment rejection to the text message in order to easily select whether or not to approve the micropayment. . The text message generation unit 620 transmits the generated text message to the third transmission unit 630 together with the telephone number.

The text message generation unit 620 generates a text message for requesting information for the secondary authentication of the user based on the secondary authentication request information received from the third receiving unit 610 or the third authentication unit 650 . At this time, as shown in FIG. 8, the text message generation unit 620 generates a text message including a link to a web page for inputting an OPT. Alternatively, as shown in FIG. 9, the text message generation unit 620 generates a text message that moves to a web page for inputting a fingerprint. The text message generation unit 620 transmits the generated text message together with the secondary authentication request information together with the received telephone number to the third transmission unit 630.

The text message generating unit 620 generates a text message for providing the micro settlement result to the user based on the micro settlement result received from the micro settlement processing unit 660. [ That is, the text message generating unit 620 generates a text message including one of success or failure of a micropayment. At this time, the text message generating unit 620 generates a text message including the purchase details and the payment amount. The text message generation unit 620 transmits the generated text message to the third transmission unit 630 together with the telephone number transmitted from the micropayment processing unit 660. [

The text message generating unit 620 generates a text message for providing the user with the card settlement result transmitted from the third receiving unit 610. That is, the text message generation unit 620 generates a text message including one of the success or failure of payment of the card, the card number, the purchase details, and the payment amount. The text message generating unit 620 transmits the received telephone number together with the card settlement result to the third transmitting unit 630 together with the generated text message.

The text message generating unit 620 generates a text message for providing the user with the result of the account transfer transmitted from the third receiving unit 610. That is, the text message generating unit 620 generates a text message including one of success or failure to transfer or the account number, transfer amount, transfer target account number, and recipient information. The text message generation unit 620 transmits the received telephone number together with the account transfer result to the third transmission unit 630 together with the generated text message.

The third transmission unit 630 transmits the text message received from the text message generation unit 620 to the user terminal 700. In other words, the third transmitting unit 630 can confirm whether or not to approve the card payment, confirm whether the account transfer is approved, check whether the small payment is approved, request the second authentication request, provide the card payment result, provide the account transfer result, And receives one of the text messages from the text message generation unit 620. The third transmitter 630 transmits the received text message to the user terminal 700 corresponding to the received text message.

The third transmitting unit 630 transmits the approval information received from the third receiving unit 610 to the credit card company server 400 or the bank server 500. That is, the third transmission unit 630 transmits the card settlement approval information received from the third receiving unit 610 to the card issuer server 400. The third transmitter 630 transmits the account transfer approval information received from the third receiver 610 to the bank server 500.

The third storage unit 640 stores user information and user information in association with each other. That is, the third storage unit 640 stores the telephone number, the IMEI, the micropayment limit, and the set amount in association with each other.

The third storage unit 640 stores the micropayment payment information related to the micropayment processed by the micropayment processing unit 660. [ At this time, the third storage unit 640 stores the micropayment information and the fingerprint in association with each other when receiving the equity interest.

The third authentication unit 650 performs user authentication based on the micropayment approval information transmitted from the third receiving unit 610. [ That is, the third authentication unit 650 detects the IMEI from the micropayment approval information transmitted from the third receiving unit 610. The third authentication unit 650 detects the IMEI associated with the telephone number detected from the micropayment request information transmitted from the third storage unit 640. The third authentication unit 650 compares the detected IMEIs and performs user authentication. At this time, if the IMEI detected from the micropayment approval information and the IMEI detected from the third storage unit 640 are the same, the third authentication unit 650 processes the user authentication success.

The third authentication unit 650 transmits the second authentication request to the text message generation unit 620 when the first authentication is successful. That is, the third authentication unit 650 transmits the information requesting the OTP input or the fingerprint input and the telephone number to the text message generation unit 620.

When the third authentication unit 650 receives the secondary authentication information for the secondary authentication request from the third receiving unit 610, the third authentication unit 650 performs the secondary authentication for the user. That is, when the third authentication unit 650 receives the second authentication information including the OPT, the third authentication unit 650 performs authentication using the known OPT processing technology, and then transmits the second authentication result to the micropayment processing unit 660. [ When the third authentication unit 650 receives the secondary authentication information including the fingerprint, the third authentication unit 650 transmits the fingerprint to the micropayment processing unit 660. [

The micropayment processor 660 performs a micropayment for the micropayment request information based on the user authentication result transmitted from the third authentication unit 650. [ That is, if the third authentication unit 650 determines that the user authentication is successful (i.e., the second authentication succeeds), the micropayment processing unit 660 sets the micropayment limit corresponding to the telephone number included in the micropayment request information to the third From the storage unit 640. The micropayment processing unit 660 performs micropayment if the micropayment limit is equal to or greater than the payment amount included in the micropayment request information. If the micropayment amount is less than the payment amount, the micropayment processing unit 660 treats the micropayment due to exceeding the limit. At this time, the micropayment processing unit 660 stores the fingerprints together with the telephone number, the purchase details, and the payment amount when the fingerprint is received as the secondary authentication information.

The micropayment processing unit 660 transmits the micropayment result to the text message generation unit 620. At this time, the micropayment processing unit 660 transmits the settlement success as a micropayment result when a normal micropayment is performed, and transmits a non-settlement result as a micropayment result when the micropayment exceeds the limit. The micropayment processing unit 660 transmits the micropayment result to the text message generation unit 620 together with the telephone number, purchase details, and payment amount.

The user terminal 700 receives a text message for approval of the account transfer, the approval of the card payment, and the approval of the micropayment from the communication company server 600. That is, the user terminal 700 displays the received text message on the screen.

The user terminal 700 receives input from the user whether or not to approve the account transfer, the card settlement, and the micropayment. At this time, the user terminal 700 receives approval or disapproval according to selection (touch) of one of the links for transmitting the acknowledgment and rejection included in the displayed text message. At this time, the user terminal 700 transmits the IMEI set in the user terminal 700 to the communication company server 600 together with the input approval.

The user terminal 700 receives a text message including a link for secondary authentication from the communication company server 600 and displays it on the screen. When a link is selected (touched) by the user, the user terminal 700 moves to the corresponding web page and requests OPT or fingerprint input. The user terminal 700 receives the second authentication information including the OPT or the fingerprint from the user through the displayed web page, and transmits the second authentication information to the communication server server 600.

The user terminal 700 receives and displays the result of account transfer, card settlement, and micropayment from the communication company server 600. At this time, the user terminal 700 receives the text message including the result from the communication company server 600 and displays the received text message.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a method for preventing financial crime using text services according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings. 10 is a flowchart illustrating a method for preventing financial crime using text services according to an embodiment of the present invention. Fig. 11 is a flowchart for explaining the card settlement processing step of Fig. 10, Figs. 12 and 13 are flowcharts for explaining the account transfer processing step of Fig. 10, and Figs. 14 and 15 are flowcharts Fig.

The card settlement terminal 100 generates card settlement request information for the cost of purchasing goods and using the service by using a credit card, a check card cash card, or the like. At this time, the card payment terminal 100 generates the card settlement request information including the card unique number, the purchase details and the settlement amount, and transmits the generated card settlement request information to the card company server 400. When receiving the card settlement request information from the card settlement terminal 100 (S10; YES), the card issuer server 400 processes approval and card settlement using the text message in cooperation with the communication company server 600 (S100). This will be described in more detail with reference to FIG. 11 attached hereto.

The card issuer server 400 detects the card number, purchase details, and payment amount from the card settlement request information received from the card settlement terminal 100 (S105).

The card issuer server 400 detects the set amount of the card based on the detected card number and compares the set amount with the detected amount of settlement. That is, the card issuer server 400 detects the set amount of the card based on the card number detected from the card settlement request information, and compares the set amount with the settlement amount detected from the card settlement request information. If the settlement amount is less than the set amount (S110: NO), the card company server 400 performs card settlement for the settlement amount (S115). That is, if the payment amount is less than the set amount, the card company server 400 performs card settlement for the payment amount immediately without performing text message transmission for user approval and authentication, which will be described later.

On the other hand, if the payment amount is equal to or greater than the set amount, the card company server 400 generates and transmits the card payment approval request information to the communication company server 600 (S120). That is, the card issuer server 400 detects the telephone number associated with the card number detected from the card settlement request information. Card issuer server 400 generates card payment approval request information including the card number, purchase details and payment amount detected from the card payment request information and the detected telephone number. The card issuer server 400 transmits the generated card settlement approval request information to the communication company server 600.

The communication company server 600 generates a text message for confirming whether or not the card payment is approved based on the card payment approval request information received from the card company server 400 and transmits the text message to the user terminal 700 in operation S125. That is, the communication company server 600 detects the telephone number, the card number, the purchase details, and the payment amount from the card payment approval request information. The communication company server (600) generates a text message including the detected card number, purchase details and payment amount, and links for transmitting a payment approval and a response to a payment rejection. The communication company server 600 transmits the generated text message to the user terminal 700 corresponding to the detected telephone number.

The user terminal 700 displays a text message received from the communication company server 600 on the screen to request payment acceptance information including a payment approval or a payment rejection in operation S130.

After confirming the text message displayed on the user terminal 700, the user inputs payment approval information (i.e., payment approval, payment decline) for the card payment approval request. That is, the user selects (clicks) one of the links included in the text message and inputs payment approval information including payment approval or payment decline. When the payment approval information is input from the user (S135; YES), the user terminal 700 transmits the international mobile device identification code (hereinafter, IMEI) of the user terminal 700 to the communication company server 600 together with the input payment approval information (S140).

The communication company server 600 transmits the payment approval information and the IMEI received from the user terminal 700 to the card company server 400 (S145).

The card issuer server 400 performs user primary authentication based on the payment approval information and the IMEI received from the communication company server 600. That is, the card issuer server 400 detects the card number from the card settlement request information received from the card settlement terminal 100. Card issuer server 400 detects IMEI associated with the detected card number. Card issuer server 400 compares the detected IMEI with the payment approval information and the received IMEI to perform user primary authentication. At this time, if the two IMEIs are the same, the card issuer server 400 handles the first user authentication success. If the user primary authentication is successful (S150: YES), the card issuer server 400 transmits the secondary authentication request to the communication company server 600 (S155). That is, the card issuer server 400 transmits a secondary authentication request including an OTP (One Time Password) input or a fingerprint input to the communication company server 600. At this time, the card issuer server 400 transmits the telephone number included in the card settlement request information to the communication company server 600 together with the secondary authentication request.

The communication company server 600 transmits a text message requesting OTP input or fingerprint input to the user terminal 700 based on the secondary authentication request received from the card issuer server 400 at step S160. Accordingly, the user terminal 700 displays a text message to request the user to input OTP or fingerprint for secondary authentication. The user terminal 700 generates the secondary authentication information including the OTP or the fingerprint inputted from the user and transmits the generated secondary authentication information to the communication company server 600.

The communication company server 600 receives the secondary authentication information from the user terminal 700 and transmits it to the card issuer server 400 (S165).

The card issuer server 400 performs user secondary authentication based on the secondary authentication information received from the communication company server 600. [ That is, when the card issuer server 400 receives the secondary authentication information including the OPT from the communication company server 600, it performs authentication using the known OPT processing technology. When the card issuer server 400 receives the secondary authentication information including the fingerprint, the card issuer server 400 determines that the secondary authentication of the user is successful. Here, the fingerprint is not used as verification information for determining whether a card is to be settled, and is used as information for tracking a criminal when a financial crime occurs in the future in connection with the settlement information after performing a card settlement. If the user secondary authentication is successful (S170; YES), the card company server 400 performs card settlement based on the card settlement request information, and transmits the card settlement result to the communication company server 600 (S175). At this time, if the remaining limit of the card corresponding to the card number included in the card settlement request information is equal to or greater than the settlement amount, the card company server 400 performs card settlement and transmits the card settlement result (i.e., Lt; / RTI > When the remaining limit of the card corresponding to the card number is less than the settlement amount, the card company server 400 transmits a settlement disable message to the communication company server 600 according to the limit exceeded.

The communication company server 600 transmits the card settlement result received from the card issuer server 400 to the user terminal 700 (S180). That is, the communication company server 600 generates a text message including the settlement result including the settlement success or non-settlement, the card number, the purchase history and the settlement amount, and transmits the text message to the user terminal 700.

The transfer terminal 200 generates transfer request information for transferring a predetermined amount to another account. At this time, the transfer terminal 200 generates the account transfer request information including the account number, the transfer amount, and the transfer target account number, and transmits the transfer request information to the bank server 500. Upon receiving the account transfer request information from the transfer terminal 200 (S20; YES), the bank server 500 processes approval and account transfer using the text message in connection with the communication company server 600 (S200). This will be described in more detail with reference to FIG. 12 attached hereto.

The bank server 500 detects the account number, the transfer amount, and the transfer target account number from the transfer request information transmitted from the transfer terminal 200 (S205).

The bank server 500 detects the set amount of the card based on the detected account number and compares it with the detected transfer amount. That is, the bank server 500 detects the set amount of the card based on the account number detected from the account transfer request information, and compares the set amount with the transfer amount detected from the account transfer request information. If the transfer amount is less than the set amount (S210: NO), the bank server 500 performs the account transfer for the transfer amount (S215). In other words, if the transfer amount is less than the set amount, the bank server 500 performs the account transfer for the transfer amount without performing text message transmission for user approval and authentication, which will be described later.

On the other hand, if the transfer amount is equal to or greater than the set amount, the bank server 500 generates and transmits the transfer permission request information to the communication company server 600 (S220). That is, the bank server 500 detects the telephone number associated with the account number detected from the account transfer request information. The bank server 500 generates the transfer approval request information including the account number, transfer amount, transfer target account number, and detected phone number detected from the account transfer request information. The bank server 500 transmits the generated transfer approval request information to the communication company server 600.

The communication company server 600 generates a text message for confirming whether or not the account transfer is approved based on the transfer permission request information received from the bank server 500 and transmits the text message to the user terminal 700 in step S225. That is, the communication company server 600 detects the telephone number, the account number, the transfer amount, and the transfer target account number from the transfer approval request information. The communication company server 600 generates a text message including the detected account number, the transfer amount and the account number to be transferred, and links for transmitting a response to the transfer approval and transfer rejection. The communication company server 600 transmits the generated text message to the user terminal 700 corresponding to the detected telephone number.

The user terminal 700 displays a text message received from the communication company server 600 and requests input of transfer approval information including transfer approval or transfer rejection in operation S230.

After confirming the text message displayed on the user terminal 700, the user inputs transfer permission information (i.e., transfer approval / transfer rejection) for the request for transfer of the account transfer. That is, the user selects (clicks) one of the links included in the text message and inputs transfer approval information including transfer approval or transfer rejection. When the transfer approval information is input from the user (S235; Yes), the user terminal 700 transmits the international mobile device identification code (hereinafter, IMEI) of the user terminal 700 to the communication company server 600 (S240).

The communication company server 600 transmits the transfer approval information and the IMEI received from the user terminal 700 to the bank server 500 (S245).

The bank server 500 performs the user primary authentication based on the transfer approval information and the IMEI received from the communication company server 600. That is, the bank server 500 detects the account number from the account transfer request information received from the transfer terminal 200. The bank server 500 detects the IMEI associated with the detected account number. The bank server 500 compares the detected IMEI with the received IMEI together with the transfer approval information to perform user primary authentication. At this time, if the two IMEIs are the same, the bank server 500 processes the user's primary authentication success. If the user primary authentication is successful (S250; YES), the bank server 500 transmits the secondary authentication request to the communication company server 600 (S255). That is, the bank server 500 transmits the secondary authentication request including the OTP input or the fingerprint input to the communication server server 600. At this time, the bank server 500 transmits the telephone number included in the account transfer request information to the communication company server 600 together with the secondary authentication request.

The communication company server 600 transmits a text message requesting OTP input or fingerprint input to the user terminal 700 based on the secondary authentication request received from the bank server 500 at step S260. Accordingly, the user terminal 700 displays a text message to request the user to input OTP or fingerprint for secondary authentication. The user terminal 700 generates the secondary authentication information including the OTP or the fingerprint inputted from the user and transmits the generated secondary authentication information to the communication company server 600.

The communication company server 600 receives the secondary authentication information from the user terminal 700 and transmits the secondary authentication information to the bank server 500 (S265).

The bank server 500 performs the user secondary authentication based on the secondary authentication information received from the communication company server 600. That is, when the bank server 500 receives the secondary authentication information including the OPT from the communication company server 600, the bank server 500 performs the authentication using the known OPT processing technology. When the bank server 500 receives the secondary authentication information including the fingerprint, the bank server 500 determines that the secondary authentication of the user is successful. In this case, the fingerprint is not used as verification information for determining whether a card is settled, and is used as information for tracking criminals in the future when a financial crime occurs in connection with the settlement information after performing the account transfer. If the user secondary authentication is successful (S270: YES), the bank server 500 performs the account transfer based on the account transfer request information and transmits the account transfer result to the communication company server 600 (S275). At this time, the bank server 500 transfers the balance to the account number included in the account transfer request information if the balance is equal to or greater than the transfer amount, and then transmits the transfer success to the communication company server 600. If the balance in the account number is less than the transfer amount, the bank server 500 transmits a message indicating that the balance can not be transferred to the communication company server 600.

The communication company server 600 transmits the account transfer result received from the bank server 500 to the user terminal 700 (S280). That is, the communication company server 600 generates a text message including the transfer result including transfer success or non-transferability, and the account number, the transfer amount, and the transfer account number, and transmits the text message to the user terminal 700.

The micropayment terminal 300 generates micropayment request information for the cost of purchasing goods and using the service. At this time, the micropayment terminal 300 generates the micropayment request information including the telephone number, the purchase details and the payment amount, and transmits the micropayment payment request information to the communication company server 600. Upon receipt of the micropayment request information from the micropayment terminal 300 (S300; YES), the communication company server 600 processes approval and micropayment using a text message (S300). This will be described in more detail with reference to FIG. 13 attached hereto.

The communication company server 600 detects the telephone number, purchase details, and payment amount from the micropayment request information received from the micropayment terminal 300 (S305).

The communication company server (600) detects the set amount based on the detected telephone number and compares the set amount with the detected amount of settlement. That is, the communication company server 600 detects the setting amount associated with the telephone number detected from the micropayment request information, and compares the setting amount with the payment amount detected from the micropayment request information. If the settlement amount is equal to or less than the set amount (S310: NO), the communication company server 600 performs a micro settlement for the settlement amount (S315). That is, if the settlement amount is less than the set amount, the communication company server 600 performs the micro settlement of the settlement amount immediately without performing the text message transmission for user approval and authentication, which will be described later.

If the payment amount is equal to or greater than the set amount, the communication company server 600 generates a text message for confirming whether the micro payment is approved based on the micro payment approval request information and transmits the text message to the user terminal 700 at step S320. In other words, the communication company server 600 generates a text message including links for transmitting the purchase history and the payment amount, which have been detected, and a response to the micropayment approval and micropayment rejection. The communication company server 600 transmits the generated text message to the user terminal 700 corresponding to the detected telephone number.

The user terminal 700 displays a text message received from the communication company server 600 on the screen to request input of the micropayment approval information including the micropayment approval or the micropayment refusal (S325).

The user confirms the text message displayed on the user terminal 700, and then inputs the micropayment approval information (i.e., the micropayment approval and the micropayment refusal) for the corresponding micropayment approval request. That is, the user selects (clicks) one of the links included in the text message to input the micropayment approval information including the micropayment approval or the micropayment rejection.

The user terminal 700 transmits an international mobile device identification code (hereinafter referred to as " IMEI ") of the user terminal 700 to the communication company server 600 (step < RTI ID = (S335).

The communication company server 600 performs the user primary authentication based on the micropayment approval information and the IMEI received from the user terminal 700. [ That is, the communication company server (600) detects the telephone number from the micropayment request information received from the micropayment terminal (300). The communication company server 600 detects the IMEI associated with the detected telephone number. The communication company server 600 compares the detected IMEI with the IMEI received together with the micropayment approval information, and performs the user primary authentication. At this time, if the two IMEIs are the same, the communication company server 600 processes the user's primary authentication success. If the user's primary authentication is successful (S340: YES), the communication company server 600 transmits a text message requesting OTP input or fingerprint input to the user terminal 700 for the secondary authentication request (S345). Accordingly, the user terminal 700 displays a text message to request the user to input OTP or fingerprint for secondary authentication. The user terminal 700 generates the secondary authentication information including the OTP or the fingerprint inputted from the user and transmits the generated secondary authentication information to the communication company server 600.

The communication company server 600 performs the user secondary authentication based on the secondary authentication information received from the user terminal 700. [ That is, when the communication company server 600 receives the secondary authentication information including the OPT from the communication company server 600, it performs authentication using the known OPT processing technology. When the communication company server 600 receives the secondary authentication information including the fingerprint, it determines that the user secondary authentication is successful. Here, the fingerprint is not used as verification information for determining whether to make a micropayment, and is used as information for tracking criminals in the future when a financial crime occurs in connection with the payment information after performing a micropayment. If the user secondary authentication is successful (S350; YES), the communication company server 600 performs a micro payment based on the micro payment request information, and transmits a text message including the micro payment result to the user terminal 700 (S355). At this time, if the user terminal 700 corresponding to the telephone number included in the micropayment request information has a payment amount equal to or greater than the payment amount, the communication company server 600 transmits a micropayment result (i.e., a micropayment success) And transmits the text message to the user terminal 700. The communication company server 600 transmits to the user terminal 700 a small payment settlement message corresponding to the limit exceeding the small payment limit of the user terminal 700 in the telephone number.

As described above, the system and method for preventing financial crime using text service is a system in which when a financial transaction is requested, a financial server transmits a text message to a user terminal through a communication company server to check whether the financial transaction is approved, It is possible to prevent the occurrence of abnormal financial transactions that are not recognized by the user due to the financial crime.

In addition, the system and method for preventing financial crime using text service can prevent the occurrence of abnormal financial transactions by copying mobile phones by performing user authentication using an international mobile device identification code assigned to mobile devices when a financial transaction occurs .

In addition, the financial crime prevention system and method using the text service collects the fingerprint when the second user authentication is performed in the financial transaction and stores the fingerprint together with the financial transaction result, thereby making it possible to easily acquire the criminal information when an abnormal financial transaction occurs due to the copying of the mobile phone It is effective.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but many variations and modifications may be made without departing from the scope of the present invention. It will be understood that the invention may be practiced.

100: Card payment terminal 200:
300: Micropayment terminal 400: Card issuer server
410: first storing unit 420: first receiving unit
430: first detection unit 440: first generation unit
450: first transmission unit 460: first authentication unit
470: Card payment processing unit 500: Bank server
510: second storage unit 520: second receiving unit
530: second detection unit 540: second generation unit
550: second transmission unit 560: second authentication unit
570: transfer processing unit 600: communication company server
610: third receiving unit 620: text message generating unit
630: third transmitting unit 640: third storing unit
650: Third authentication unit 660: Small payment processing unit
700: User terminal

Claims (10)

A card settlement terminal for generating and transmitting card settlement request information including a card unique number, a purchase history, and a settlement amount;
A card number, a purchase history and a settlement amount from the card settlement request information received from the card settlement terminal, detects a telephone number of the user terminal associated with the detected card number, The payment approval request information including the detected card number, purchase details, payment amount, and telephone number is generated and transmitted, and based on the international mobile device identification code transmitted together with the payment approval information for the payment approval request information If the user's primary authentication is successfully performed by performing the primary authentication of the user, the secondary authentication request is transmitted. If the secondary authentication of the user is performed based on the secondary authentication information of the secondary authentication request to succeed the secondary authentication of the user A card issuer server for performing card settlement based on the card settlement request information; And
A text message including a telephone number, a card number, a purchase history and a payment amount from the payment approval information transmitted from the card company server, and a link for selecting the detected card number, purchase details, And transmits the payment approval information to the card issuer server. The card issuance server receives the payment approval information from the user terminal, and transmits the fingerprint to the user terminal based on the second authentication request received from the card issuer server And transmits to the user terminal corresponding to the telephone number included in the secondary authentication request, receives the secondary authentication information from the user terminal, and transmits the received secondary message to the card company server and,
The card company server,
When the second authentication information including the fingerprint is received, the card settlement is performed based on the card settlement request information, and the fingerprint and the payment information included in the second authentication information are linked and stored. Financial crime prevention system. The method according to claim 1,
The card company server,
A first storage unit for storing the card number, the telephone number, the remaining limit of the card, the set amount, and the international mobile device identification code in association with each other, and storing the card settlement result;
A first receiving unit for receiving the card settlement request information from the card settlement terminal and receiving second authentication information including payment approval information, OTP, or fingerprint including the international mobile device identification code from the communication company server;
A card number, a purchase history and a payment amount from the card settlement request information received by the first receiving unit, detects a set amount associated with the detected card number from the first storage unit, A first detecting unit detecting a telephone number associated with the detected card number if the amount is equal to or greater than the set amount;
Card payment approval request information based on the telephone number, the card number, the purchase history, and the payment amount detected by the first detection unit, and generates information for requesting OTP input or fingerprint input and a telephone number based on the secondary authentication request A first generating unit generating second authentication request information including the second authentication request information;
A first transmission unit for transmitting the card payment approval request information and the secondary authentication request information generated by the first generation unit to the communication company server;
And an international mobile device identification code associated with the card number detected by the first detection unit from the first storage unit, If the first user authentication is successful, a second authentication request including information for requesting OTP input or fingerprint input and a phone number is transmitted to the first generation unit A first authentication unit for performing a user secondary authentication based on the secondary authentication information received by the first receiving unit; And
When the first authentication unit succeeds in user second authentication, performs card settlement based on the card settlement request information, and upon receiving the second authentication information including the fingerprint in the first authentication unit, And a card settlement processing unit for storing the money in the first storage unit in association with the financial transaction. A transfer terminal for generating and transmitting account transfer request information including an account number, a transfer amount, and a transfer target account number;
A transfer amount, and a transfer target account number from the account transfer request information transmitted from the transfer terminal, detects a telephone number of the user terminal associated with the detected account number, Transfer request information including the account number, the transfer amount, the transfer target account number, and the telephone number, and transmits the transfer approval request information to the communication company server, and transmits transfer approval information for the transfer approval request information And transmits the secondary authentication request to the communication company server when the user primary authentication is successful, and transmits the secondary authentication request to the communication company server from the communication company server The second authentication of the user is performed, and if the user succeeds in the second authentication A bank server for performing account transfer based on the account transfer request information; And
A transfer number, a transfer target account number, and a telephone number from the transfer approval information transmitted from the bank server, and includes links for selecting the detected account number, transfer amount, transfer target account number, and transfer approval status And transmits the text message to the bank server. The second authentication request transmitted from the bank server is transmitted to the user terminal based on the second authentication request transmitted from the bank server, And transmits the second authentication information to the user terminal corresponding to the telephone number included in the second authentication request, receives the second authentication information from the user terminal, and transmits the second authentication information to the bank server Server,
The bank server,
When receiving the second authentication information including the fingerprint, performs the account transfer based on the account transfer request information, and stores the fingerprint and the transfer information included in the second authentication information in association with each other. Financial crime prevention system. The method of claim 3,
The bank server,
A second storage unit for storing the account number, the account number, the telephone number, the balance of the account, the setting amount, and the international mobile device identification code in association with each other and storing the account transfer result;
A second receiving unit for receiving the account transfer request information from the transfer terminal and receiving second authentication information including transfer approval information, OTP, or fingerprint including the international mobile device identification code from the communication company server;
A transfer amount detecting unit for detecting an account number, a transfer amount, and a transfer target account number from the account transfer request information received by the second receiving unit, detecting a setting amount associated with the detected account number from the second storage unit, A second detector for detecting a telephone number associated with the detected account number when the amount is equal to or greater than the preset amount;
The account transfer approval request information is generated based on the telephone number, the account number, the transfer amount, and the transfer target account number detected by the second detection unit, information for requesting OTP input or fingerprint input based on the secondary authentication request, A second generation unit for generating secondary authentication request information including a number;
A second transmission unit for transmitting the transfer approval request information and the secondary authentication request information generated by the second generation unit to the communication company server;
And an international mobile device identification code associated with the account number detected by the second detection unit from the second storage unit and transmits the international mobile device identification code included in the transfer acceptance information received by the second receiving unit, If the first user authentication is successful, transmits a second authentication request including information for requesting OTP input or fingerprint input and a phone number to the second generation unit A second authentication unit for performing user secondary authentication based on the secondary authentication information received by the second receiving unit; And
When the second authentication unit succeeds in performing the user second authentication, performs account transfer based on the account transfer request information, and upon receipt of the second authentication information including the fingerprint in the second authentication unit, the account transfer result and the fingerprint And a transferring unit for transferring the banknotes to the second storage unit in association with each other. A micropayment terminal for generating micropayment request information including a telephone number, a purchase history and a payment amount, and transmitting the micropayment payment request information to the communication company server; And
A purchase history and a payment amount from the micropayment request information received from the micropayment terminal, detects a telephone number of the user terminal associated with the detected account number, and if the detected payment amount exceeds a set amount of money The mobile terminal generates a text message including links for selecting the purchase details, the payment amount and the micropayment approval, and transmits the text message to the user terminal corresponding to the detected telephone number, Performs a primary authentication of the user based on the transmitted international mobile device identification code and generates a text message requesting input of the secondary authentication information including the fingerprint to the user terminal when the primary authentication of the user is successful , Receiving secondary authentication information from the user terminal to perform user secondary authentication, And a communication company server for performing a micropayment based on the micropayment request information if the user secondary authentication is successful,
The communication company server,
Receiving a secondary authentication information including a fingerprint, performing a micropayment based on the micropayment request information, and storing the fingerprint and the payment information included in the secondary authentication information in association with each other Financial crime prevention system. The method of claim 5,
The communication company server,
A third storage unit for storing a telephone number, an international mobile device identification code, a micropayment limit, and a set amount in association with each other and storing a micropayment result;
Receiving the card payment approval request information and the secondary authentication request information from the card company server, receiving the account transfer approval request information and the secondary authentication request information from the bank server, receiving the micro payment request information from the micro payment terminal A third receiving unit for receiving card payment approval information, account transfer approval information, micropayment approval information, and secondary authentication information from a user terminal;
Generates a text message including links for transmitting a card number, a purchase history, a payment amount, a card payment approval, and a response to a card payment rejection detected from the card payment approval request information received by the third receiving unit, 3 Receiving unit generates a text message including the account number, the transfer amount, the transfer target account number, the recipient information, and the links for transferring the answer to the account transfer approval and account transfer rejection detected from the account transfer approval request information , A purchase history and a payment amount from the micropayment request information received by the third receiving unit, detects a set amount associated with the detected telephone number from the third storage unit, Is greater than or equal to the detected set amount, the purchase history and the amount of payment, the approval of the micropayment and the refusal of the micropayment And generates a text message including OTP input or information requesting fingerprint input based on the secondary authentication request information, and transmits the card payment approval request information, the account A text message generating unit for transmitting a telephone number detected from one of the transfer approval request information and the micropayment request information together with the generated text message;
And transmits the text message to the user terminal based on the text message and the telephone number transmitted from the text message generation unit and transmits the card settlement approval information or the account transfer approval information received by the third receiving unit to the card issuer server or the bank To a server;
The user terminal performs the user primary authentication based on the international mobile device identification code associated with the telephone number detected from the micropayment approval information received by the third receiver and the international mobile device identification code detected from the micropayment approval information, If the primary authentication is successful, the OTP input or the secondary authentication request including the telephone number and the information for requesting the fingerprint input is transmitted to the text message generation unit,
A third authentication unit for performing user secondary authentication based on the secondary authentication information received by the third receiving unit; And
If the second authentication unit succeeds in performing the second authentication by the third authentication unit, performs the micropayment based on the micropayment request information, and upon receipt of the second authentication information including the fingerprint by the third authentication unit, And a small amount payment processing unit for storing the money amount in the third storage unit in association with each other. Detecting, by the card issuer server, the card number, the purchase details and the payment amount from the card payment request information received from the card payment terminal;
If the detected payment amount is not less than the set amount associated with the card number detected by the card issuing server, a payment approval request including the telephone number associated with the card number, the detected card number, the purchase details, Generating information;
Generating a text message including a card number, a purchase history and a payment amount detected from the payment approval request information generated by the card company server by the communication company server and links for selecting whether or not to approve the card payment, and transmitting the generated text message to the user terminal ;
Receiving, by the communication company server, payment approval information and an international mobile device identification code from the user terminal;
Performing, by the card issuer server, the user's primary authentication based on the payment approval information received at the communication company server and the international mobile device identification code;
Generating, by the card issuer server, a secondary authentication request for requesting input of the detected telephone number and the input of an OPT or a fingerprint if the user primary authentication is successful;
Generating, by the communication company server, a text message requesting fingerprint input based on the secondary authentication request generated by the card issuing server and transmitting the text message to the user terminal;
Receiving, by the communication company server, secondary authentication information from the user terminal and transmitting the secondary authentication information to the communication company server; And
Receiving the secondary authentication information including the fingerprint from the communication company server by the card company server, performing a card settlement based on the card settlement request information, and associating and storing the fingerprint and the settlement information A method for preventing financial crime using text service. The method of claim 7,
Detecting, by the bank server, the account number, the transfer amount, and the transfer target account number from the transfer request information transmitted from the transfer terminal;
When the detected transfer amount is equal to or greater than the set amount associated with the detected account number, the bank server transmits the transfer number including the telephone number associated with the account number, the detected account number, the transfer amount, Generating approval request information;
The communication company server generates a text message including the account number, the transfer amount and the transfer target account number detected from the transfer approval request information generated by the bank server, and links for selecting transfer approval, and transmits the text message to the user terminal ;
Receiving, by the communication company server, transfer approval information and an international mobile device identification code from the user terminal;
Performing, by the bank server, user primary authentication based on the transfer approval information and the international mobile device identification code received at the communication company server;
Generating, by the bank server, a second authentication request for requesting input of an OPT or a fingerprint with the detected telephone number if the user primary authentication is successful;
Generating a text message for requesting fingerprint input based on the secondary authentication request generated by the bank server by the communication company server and transmitting the text message to the user terminal;
Receiving, by the communication company server, secondary authentication information from the user terminal and transmitting the secondary authentication information to the bank server; And
And receiving the second authentication information including the fingerprint from the communication company server by the bank server, performing the account transfer based on the account transfer request information, and associating and storing the fingerprint and the transfer information A method for preventing financial crime using a text service. The method of claim 8,
Detecting, by the communication company server, the telephone number, the purchase details and the payment amount from the micropayment request information transmitted from the micropayment settlement terminal;
The communication company server transmits a text message including links to select the detected telephone number, purchase details, payment amount, and micropayment approval if the detected payment amount is more than the set amount associated with the detected telephone number Generating and transmitting to the user terminal;
Performing a user primary authentication based on the micro settlement approval information and the international mobile device identification code transmitted from the user terminal by the communication company server;
Generating, by the communication company server, a text message requesting input of secondary authentication information including a fingerprint to the user terminal if the user primary authentication is successful; And
And a step of, upon receiving the secondary authentication information including the fingerprint from the user terminal by the communication company server, associating the fingerprint and the payment information after performing the micropayment based on the micropayment request information A method for preventing financial crime using a text service. delete

Images