KR101803900B1 - Apparatus, Server and Method for Providing Financial Service - Google Patents

Abstract

The embodiment of the present invention can be applied to various financial transactions such as remittance or funds transfer in ATMs, Internet banking, mobile banking, etc. in the financial business, for example, when the remitter uses the recipient's telephone number instead of the account number of the recipient The present invention relates to a financial transaction service apparatus, a server, and a method for enabling a remittance and a transfer of a remittance to a financial server, ; A second financial server for managing an account of the remittee to which the remitter is transferred; An account integration management server connected to the first financial server and the second financial server for processing the account related information of the remitter and the account related information of the remittee; And an authentication processing unit for accessing the account unified management server and processing authentication of the recipient's telephone number, a receipt account information processing unit for requesting the recipient to approve the transfer and requesting the account related information of the recipient and processing the account information, And a data mining unit for accessing the financial server and processing the information on the changed telephone number of the remittee.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a financial transaction service apparatus, a server,

The present invention relates to a financial transaction service apparatus, a server and a method thereof, and more particularly, to a financial transaction service apparatus, a server and a method thereof, and more particularly to a financial transaction service apparatus, And a financial transaction service device, a server, and a method for enabling a remitter to remit money and make a transfer using a remitter's telephone number instead of a remitter's account number.

Generally, in financial transactions, transactions such as cash service, cash transfer, and service transfer must input necessary information, such as the account password of the remitter and the account number of the remitter. This information input is used as transaction authentication information in accordance with the fact that the transaction bank holds predetermined personal information. At this time, the personal information is the information that the customer must provide when making a new transaction with the bank, and information such as the customer's home address, company name, company address, home telephone number, mobile phone number, company telephone number, resident registration number, This is true.

The information provided is stored in the personal database of the financial institution and is linked to the new account number to be used for financial transactions between the customer and the financial institution and also for the financial transaction between the individual and the individual. Accuracy is enhanced.

In recent years, financial services such as remittance and bank transfer have been conducted through telephone banking using a mobile phone and Internet banking using the Internet. These services are also provided to the user such as account number, password, Enter the information such as the remittance amount and the account number of the payee. The information input through the mobile phone or the Internet is compared with the information stored in the personal database of the financial institution, and the remittance of the sender is searched to determine the remittance possibility. By searching the account information of the remittee according to the judged result, remittance is carried out together with the remittance confirmation procedure through information such as account number and account holder of the remittee.

Such a remittance method is highly utilized because the remitter can easily conduct financial transactions using the communication system without going directly to the bank. Further, since the stability of the financial transaction system through communication is sufficiently secured, Seems to be.

However, since the existing remittance method can only deal with the member who is a member of the bank, the financial transaction has been limited.

In addition, since the remittance system using the communication network must accurately know the remittance information including the account number of the remittee, the procedure for collecting the information from the remittee, that is, the account number, is troublesome.

An object of the present invention is to provide a financial transaction service device, a server, and a method capable of freely conducting a financial transaction with a recipient telephone number known to a remitter in a financial transaction.

A financial transaction service apparatus according to an exemplary embodiment of the present invention includes a first financial server where an account for a transfer of a remitter accessing a financial network is managed; A second financial server for managing an account of the remittee to which the remitter is transferred; An account integration management server connected to the first financial server and the second financial server for processing the account related information of the remitter and the account related information of the remittee; And an authentication processing unit for accessing the account unified management server and processing authentication of the recipient's telephone number, a receipt account information processing unit for requesting the recipient to approve the transfer and requesting the account related information of the recipient and processing the account information, And a data mining unit for accessing the financial server and processing the information on the changed telephone number of the remittee.

Also, the financial transaction service server according to an embodiment of the present invention includes an authentication processing unit for requesting authentication of a recipient's phone number, which is accessed by a remitter who wants to transfer money, and processing information on whether or not to authenticate the recipient; A receipt account information processing unit for requesting the remittee to inquire whether or not the remitter has received money according to the transfer, requesting information related to the account at the time of receipt and processing, and processing the information; A message processor for providing information on completion of the remitter to the remitter and the remittee when the remitter has completed the remittance and the remittee has received the remittee; And a data mining unit for processing the information on the changed telephone number when the telephone number of the remittee is changed, in association with the account for receiving the remittee.

Meanwhile, in a transaction method using a financial transaction service apparatus according to an embodiment of the present invention, a remitter who wants to transfer may access a financial network to input at least a telephone number of a remittee and a remittance amount, and request authentication of the telephone number; Notifying the remitter of the authentication result of the requested recipient's telephone number and requesting the transfer; Requesting the remittee to receive the request for remittance after requesting the remitter to transfer the money, and requesting information related to the remittance account of the remittee at the time of the receipt; And performing transfer by receiving the requested account related information.

A transaction method using a financial transaction service server according to an exemplary embodiment of the present invention includes a step of processing information about whether or not to authenticate by requesting authentication for a telephone number of a recipient who accesses a financial network through a remitter who wants to transfer money, Requesting the remittee to inquire whether or not the remitter has received money according to the transfer, requesting the payment account related information at the time of receiving the payment and processing the received information; And providing information on completion to the remitter and the remittee when the remitter has completed the remittance and the remittee has received the remittance.

As a result of the above configuration and method, the embodiment of the present invention can easily remit or transfer money to a desired account of the remittee, without having to know the account number of the remittee or set up a virtual account, do.

In addition, even when the recipient's telephone number changes, the remittance or transfer service can be utilized by using the new telephone number irrespective of the previous number.

Furthermore, in the use of remittance or transfer service, financial transaction becomes convenient because it can be used based on a real account of the person's name which is frequently used.

1 illustrates a financial transaction service apparatus according to an embodiment of the present invention;
2 is a diagram showing a process of transfer and remittance of a remitter of FIG. 1,
FIG. 3 is a view showing the authentication process of FIG. 1;
4 is a diagram showing a process of receiving account information in FIG. 1,
5 is a diagram showing a message processing procedure of FIG. 1,
FIG. 6 is a diagram illustrating a data mining process of FIG. 1;
FIG. 7 is a view showing a financial transaction process and a related screen of the remitter of FIG. 1;
FIG. 8 is a view showing a corresponding process and related screen of the remittee of FIG. 1; FIG.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. It should be noted that, in adding reference numerals to the constituent elements of the drawings, the same constituent elements are denoted by the same reference numerals as possible, as they can be displayed on different 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.

In describing the components of the present invention, terms such as first, second, A, B, (a), and (b) may be used. These terms are intended to distinguish the constituent elements from other constituent elements, and the terms do not limit the nature, order or order of the constituent elements. When a component is described as being "connected", "coupled", or "connected" to another component, the component may be directly connected to or connected to the other component, It should be understood that an element may be "connected," "coupled," or "connected."

1 is a view showing a financial transaction service apparatus according to an embodiment of the present invention.

1, a financial transaction service apparatus according to an embodiment of the present invention includes a first financial server 100 in which an account for a transfer of a remitter accessing a financial network is managed, an account of a remitter to which a remitter is transferred, An account integration management server 110 that accesses the second financial server 130, the first financial server 100, and the second financial server 130 and manages account related information of the remitter and account related information of the remittee, An authentication processing unit 121 for accessing the account unified management server 110 to process the authentication of the recipient's telephone number, a receipt account information processing unit 123 for requesting the recipient to approve the transfer and the account- And a data mining unit 127 which is connected to the second financial server 130 and processes information on the changed telephone number of the remittee.

Here, the first financial server 100 represents, for example, a server of the financial institution in which an account of the remitter is managed. The first financial server 100 includes a first financial institution such as a bank, a second financial institution such as a savings bank, and a server of a financial institution that manages a financial account of a securities company. The first financial server 100 is connected to the account integration management server 110 have. The first financial server 100 processes information provided through a cash dispenser (ATM), information provided through wired Internet banking, and information provided through a mobile communication terminal such as a mobile phone. At this time, information provided through a mobile communication terminal such as a mobile phone includes both phone banking and wireless Internet banking. In this manner, the first financial server 100 performs the remittance or transfer of the remittance amount through the telephone number provided from the customer, that is, the remitter, preferably the mobile phone number. That is, the remitter inputs remittance and transfer by inputting the telephone number of the remitter and the remittance amount in ATM, Internet banking, and phone banking.

In addition, the account integration management server 110 may represent a server of a financial settlement company, for example. The account integration management server 110 is connected to the first financial server 100, the second financial server 130 and the communication company server 120. The first financial server 100 and the second financial server 130, Not only the account number and the telephone number of the financial transaction customers provided by the financial transaction client 100 are matched and stored, but also the telephone number provided by the first financial server 100 is input even for a new customer, Related information of the account is directly received from the recipient, and the telephone number and the account information are matched and stored. Therefore, even if the remitter does not know the account number of the remittee, the account unified management server 110 makes it possible to use the internally stored data or the newly stored data by using the telephone number of the remittee in the first financial server 100 The amount of remittance can be transferred and transferred. In addition, the account unified management server 110 receives the information on the transfer approval (or transfer) of the remitter from the first financial server 100 and acquires the second financial company, that is, the second financial server, To the second financial server 130, and to provide information about the transfer to the second financial server 130.

The communication company server 120 (or financial transaction service server) may be, for example, a mobile communication company server such as SK Telecom. The communication company server 120 is connected to the account integration management server 110 and the second financial server 130 and is linked to each other in a business manner and requests authentication of the recipient's telephone number provided by the account integration management server 110 And provides the authentication result to the account integrated management server 110 again. The communication company server 120 also accepts the remittance amount (Y / N) and / or the account number transfer (or credit information utilization) to the account integration management server 110, for example, to the remittee via a call back system And requests information related to the receipt account when agreeing to the request, so that the result is directly transmitted to the account integration management server 110 at the same time as the official authentication (result). Here, the public authentication process may be performed through, for example, a public key certificate previously stored in the recipient's mobile communication terminal. Then, the communication company server 120 informs the remitter that the remitter has completed the transfer and the remitter has completed the transfer, and notifies the remittee that the remitter has been received. Further, when the telephone number of the remittee is changed, the communication company server 120 provides the relevant information to the corresponding bank in which the remittee's account is managed, that is, the second financial server 130. Therefore, based on the above, the communication company server 120 includes an authentication processing unit 121 for processing authentication related information, a receiving account information processing unit 123 for processing the receiving account related information of the remittee, a remitter and remittee And a data mining unit 127 for updating the information at the time of change of the recipient's phone number and providing the updated information to the second financial server 130 at any time.

The second financial server 130 is a financial company server in which the account of the remittee registered as a member is managed. The second financial server 130 is connected to the account integration management server 110 of the financial institution and the communication company server 120 of the mobile communication company, . The second financial server 130 is notified of the completion of the transfer according to the transfer applicant's transfer request from the account unified management server 110. When the telephone number of the recipient is changed through the communication company server 120, the second financial server 130 receives the related information The information stored in the storage medium is corrected.

Hereinafter, a service method using the financial transaction service apparatus will be described in detail with reference to FIG. 2 to FIG.

FIG. 2 is a diagram illustrating a process of transfer and remittance of a remitter of FIG. 1, FIG. 3 is a diagram illustrating an authentication process of FIG. 1, and FIG. 4 is a diagram of a process of receiving account information of FIG. FIG. 5 illustrates a message processing procedure of FIG. 1, and FIG. 6 illustrates a data mining procedure of FIG.

In the financial transaction service method according to the embodiment of the present invention, the transfer or transfer process of the remitter is performed as shown in FIG. The remitter accesses the financial network of the first financial institution and performs financial transactions. At this time, the remitter can receive the telephone number of the recipient through the mobile banking using a mobile communication terminal such as a cash dispenser provided in the first financial institution, Internet banking using a computer arranged at home or office, And the inputted related information is provided to the account integration management server 110 of KFTC.

Then, a customer authentication process is performed as shown in FIG. For example, the KFTC requests the communication company server 120 for customer authentication through the account integration management server 110. In other words, the account unified management server 110 requests authentication to the communication company server 120 in relation to whether the telephone number of the remittee provided by the first financial server 100, that is, the remittee, matches with the remittee's identity. When the authentication is requested, the communication company server 120 provides the corresponding result to the account integration management server 110, and the account integration management server 110 provides the result to the first financial server 100 again. At this time, if the telephone number of the remittee provided by the remittee of the authentication result does not match with the remittee, the first financial server 100 informs the remitter to stop the transaction. On the other hand, The sender will be notified and requested a transfer. Accordingly, when the sender performs the transfer, the first financial institution will provide the information to KFTC again. That is, the related information is transferred from the first financial server 100 to the account integrated management server 110.

Then, as shown in FIG. 4, the process of receiving account information is performed. The communication company server 120 transmits to the remittee a result of whether the remitter wishes to remit or accepts or denies the remittance to the remittee in order to receive the remittance information through the callback character. Subsequently to this step, a callback character may be further sent to the account management server 110, for example, asking whether or not the user agrees to utilize the account information. At this time, the above result is transmitted to the account unified management server 110. When accepting the acceptance of acceptance and / or transfer of the account information, the receipt account information processing unit 123 of the communication company server 120 inputs the receipt account information again And transmits the result to the financial settlement company, that is, the account integration management server 110 through the public authentication step. If the customer has information that has been previously exchanged at this time, the communication company server 120 informs the bank of the account number and inquires whether the user desires to transfer to the account or to transfer the account to another account. In other words, in the case of a payee periodically paying the mobile phone charge through the account transfer, the payment account initially registered in the mobile communication carrier is basically displayed. Otherwise, if it is a new customer, the recipient will select the receiving bank, enter the account number of the bank, and ask if the relevant information can be stored in the server. The related information is transmitted to the account integration management server 110. At this time, the recipient's account related information may be transmitted to the account server 120 and then to the account integration management server 110 again.

Then, the account integrated management server 110 receiving the account related information of the remittee completes settlement of the money amount at the time of transfer of the remitter, and provides the related information to the second financial server 130.

5, the communication company server 120 transmits the remittance completion message and the receipt completion message to the remitter and the remittee through the message processor 125, respectively. In the case of a mobile phone, a text message is preferably transmitted.

6, the communication company server 120 performs a data mining process through the data mining unit 127. [ In other words, if the recipient's telephone number is changed, the changed information is provided to the second financial server 130. As a result, even if the telephone number of the recipient is changed, the remitter can smoothly transfer the remittance to the account of the remittee only by the telephone number of the remitter.

FIG. 7 is a view showing a financial transaction process and related screen of the remitter of FIG. 1;

As shown in FIG. 7, the remitter inputs the recipient's telephone number and remittance amount through the financial network of the first financial institution, preferably ATM, Internet banking or mobile banking of the first financial institution that he / she trades (S700) .

At this time, the remittance amount and the telephone number of the entered remittee are provided to the account integration management server of the financial institution, and the account integration management server requests the communication company server of the communication company for the authentication of whether the telephone number inputted again is the remittee, (S702a) and transmits it to the first financial institution, that is, the first financial server. Of course, this does not correspond to a screen that the sender can visually view through the display unit.

After that, the remitter confirms the remittee information, that is, confirms the authentication result as to whether transfer is possible (S702). For example, such remittee information may include the name of the remittee and the name of the remittee, and confirmation that the above information is correct.

If the information matches, the remitter executes the transfer and receives the remitted text message provided from the communication company server after the transfer is finally completed (S704).

If the information does not match, the remitter checks the failure message that the remittance provided by the communication company server is not possible (S706).

If an error occurs in the above procedure, you will see an error message.

Here, the message can be interpreted in various ways. For example, when remittance is made using ATM, the screen appears on the display unit of the ATM. In the case of Internet banking through a computer, the screen is displayed on the monitor. The voice message becomes a voice message. Furthermore, when mobile banking is performed on a touch screen basis, the screen corresponds to the screen displayed on the screen of the mobile device.

Fig. 8 is a diagram showing correspondence and related screens of the remittee in Fig. 1; Fig. And in this case, it is practically carried out through a personal portable terminal such as a mobile phone possessed by the receiver.

As shown in FIG. 8, the remittee receives a text message through the communication company server of the communication company (S800a). At this time, the text message informs that the remitter wants to remit the mobile phone number, and requests the user to approve or reject the reminder.

In response to such a request, the recipient selects whether to accept the transfer (S800). This step may further request whether or not the user agrees to provide, for example, KFTC, using the credit information of the recipient, that is, the account number, when the transfer is approved.

At this time, if a rejection is made, information on the rejection is notified to the remitter. As a result, the transfer of the remitter can not be substantially carried out. In other words, if the recipient is denied, the sender will be able to verify that the recipient refuses the transfer via the ATM, Internet or mobile device to which they are connected.

If the receiver accepts the request, the server receives a request to input the account information from the server, and performs an information providing process (S802). This step may further include a public authentication procedure. In this case, the recipient performs the process of providing the public authentication result, and the public authentication is performed by the public certificate previously stored in the mobile communication terminal held by the recipient . As already explained above, if the customer has a transaction account for automatic transfer of mobile communication charges, the carrier will display the corresponding account and ask whether to receive remittance to the same account or to select another account to receive the remittance. On the other hand, if a new customer, etc., selects a receiving bank, inputs an account number, and further requests that a relevant information be stored in a server of a communication company.

Then, the corresponding result is transferred to the financial institution's integrated account management server and / or the first financial server of the first financial company, and the transfer is performed (S802a).

If the telephone number of the recipient is changed, the communication company server of the communication company should notify the second financial server of the second financial institution in which the account of the recipient is managed to inform the second financial server to correct the telephone number (S802b).

After completing the transfer, the recipient is confirmed that the receipt of the remittance has been completed from the communication company server (S804). For example, a text message.

The terms "include", "comprise", or "have" in the specification do not exclude other components, unless the context clearly indicates otherwise. But should be construed to include other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Commonly used terms, such as predefined terms, should be interpreted to be consistent with the contextual meanings of the related art, and are not to be construed as ideal or overly formal, unless expressly defined to the contrary.

The foregoing description is merely illustrative of the technical idea of the present invention, and various changes and modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope of equivalents should be construed as falling within the scope of the present invention.

Claims (9)

[Claim 1 has been abandoned due to the registration fee.] A first financial server in which an account for a transfer of a remitter accessing a financial network is managed;
A second financial server for managing an account of the remittee to which the remitter is transferred;
An account integration management server connected to the first and second financial servers for processing the account related information of the remitter and the account related information of the remittee; And
An authentication processing unit for accessing the account unified management server and processing authentication of the recipient's telephone number; a receipt account information processing unit for requesting the recipient to transfer the money and requesting the account-related information of the recipient and processing the account information; And a data mining unit for accessing and managing information on the changed telephone number of the remittee;
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The acceptance account information processing unit requests the remittee to confirm whether or not to approve the transfer according to the transfer of the remitter, and when the transfer is approved, the account information of the remittee is requested and processed by the remittee,
Wherein the account integration management server receives the transfer approval request and the result of the account related information requested by the payment account information processing unit and provides the result to the first financial server,
Wherein the first financial server provides the result of the transfer approval to the remitter,
The communication company server further includes a message processing unit,
Wherein the message processing unit provides a message of transfer completion to the remitter and the remittee after finishing transfer from the account unified management server to the second financial server. [Claim 2 is abandoned upon payment of the registration fee.] The method according to claim 1,
Wherein the first financial server provides the account unified management server with information on the telephone number of the remittee and remittance amount provided by the remitter. [Claim 3 is abandoned upon payment of the registration fee.] The method according to claim 1,
Wherein the financial network is at least one of banking, internet banking, and mobile banking using a cash dispenser (ATM). An authentication processing unit for requesting authentication of a telephone number of a receiver connected to a financial network by a remitter who wishes to transfer or transfer money,
A receipt account information processing unit for requesting the remittee to inquire whether or not the remitter has received money according to the transfer, requesting information related to the account at the time of receipt and processing, and processing the information;
A message processor for providing information on completion of the remitter to the remitter and the remittee when the remitter has completed the remittance and the remittee has received the remittee; And
And a data mining unit for processing information on the changed telephone number when the telephone number of the recipient is changed, in association with the receipt account of the recipient
Including,
Wherein the authentication processing unit is connected to the account integration management server so as to process information about authentication,
The account unified management server receives the request for transfer approval and the result of the account related information requested by the account acceptance information processing unit, and provides the first financial server with an account for transfer of the remitter who accesses the financial network,
The first financial server provides the result of the transfer approval to the remitter
Wherein the financial transaction service server is a financial transaction service server. [Claim 5 is abandoned upon payment of registration fee.] 5. The method of claim 4,
Information on whether or not the recipient requested by the receivable account information processing unit is received and information on the account receivable received by the remitter are provided to the account unified management server,
Wherein the account integration management server provides the first financial server with information on whether or not the receiver is received. [Claim 6 is abandoned due to the registration fee.] 5. The method of claim 4,
Wherein the account integration management server receives information on the telephone number of the remittee and the remittance amount provided by the remitter in connection with the first financial server, from the first financial server. [7] has been abandoned due to the registration fee. 5. The method of claim 4,
Wherein the result of the authentication is provided to the first financial server via the account integration management server, and the remitter determines whether to transfer the money according to the result. [8] has been abandoned due to the registration fee. A transaction method using a financial transaction service server,
Receiving a request for authentication of a telephone number of a recipient who is connected to a financial network by a remitter who desires to make a transfer;
Requesting the remittee to inquire whether the receiver account information processing unit receives the remitter according to the transfer of the remitter, requesting and receiving the remittance account related information at the time of receiving the payment, And
The message processing unit providing information on completion of the remitter to the remitter and the remittee respectively upon completion of remittance of the remitter and upon receipt of the remittee;
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Wherein the step of processing the authentication information includes accessing the account integration management server so that the authentication processing unit processes information on authentication,
Wherein the account unified management server receives the transfer approval request and the account related information requested by the account receipt information processing unit and provides the received result to the first financial server,
And the first financial server provides the result of the transfer approval to the remitter. [Claim 9 is abandoned upon payment of registration fee.] 9. The method of claim 8,
Further comprising the step of, when the recipient changes the telephone number, the data mining unit processing the information on the changed telephone number in relation to the recipient's receiving account.

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