KR102341206B1 - Financial payment system using application program interface - Google Patents

Abstract

Disclosed is a financial payment system using an API. The financial payment system comprises: a personal customer terminal for requesting a financial transaction from a predetermined private bank server; a company customer terminal for requesting a financial transaction from a predetermined private bank server; an API server for forming a financial joint network consisting of the personal customer terminal or the company customer terminal, a corresponding private bank server, and a Korea Financial Telecommunications and Clearings Institute server and connecting the same so that the corresponding private bank server can perform the financial transaction requested from the personal customer terminal or the company customer terminal; an ATM included in the financial joint network by the API server and for requesting cash deposit or withdrawal or cash transfer from a predetermined private bank server; and a QR code reader for recognizing the QR code of the personal customer terminal to identify a user. The financial payment system using an API can connect private bank servers to the personal customer terminal or the company customer terminal to form the financial joint network, so that smooth financial transactions can be performed. In particular, the financial payment system can strengthen security means for user authentication using the QR code of an individual customer on the API server forming the financial joint network, thereby preventing financial accidents caused by theft of smartphones or QR codes.

Description

Financial payment system using API {FINANCIAL PAYMENT SYSTEM USING APPLICATION PROGRAM INTERFACE}

The present invention relates to a financial settlement system, and more particularly, to a financial settlement system using an API.

The financial network can conveniently perform various tasks such as interbank transfers and settlements as well as individual or company financial transactions.

Meanwhile, in recent years, various financial transactions can be conveniently performed on an application on a smart phone, and the scope of financial transactions through a common financial network is further expanding.

User identification or authentication is performed through QR codes or face recognition on smart phones, and it is necessary to process them within the financial common network to facilitate financial transactions.

In particular, QR codes for user identification are more universal than fingerprint recognition or face recognition, and are becoming a universal authentication method. However, the QR code has a disadvantage in that the security is rather low because there is a high possibility that it can be stolen by photographing or capturing itself.

Accordingly, user authentication means for smooth and safe transactions within the common financial network needs to be supplemented, and such functional supplementation is required on the API gateway at the central axis of the financial common network.

Registered Patent Publication 10-2119449 Laid-Open Patent Publication No. 10-2019-0061611

An object of the present invention is to provide a financial payment system using an API.

A financial payment system using an API according to the above object of the present invention includes: a personal customer terminal requesting a financial transaction to a predetermined private bank server; a company customer terminal requesting a financial transaction to a predetermined private bank server; To form a financial joint network comprising the personal customer terminal or the company customer terminal, the private bank server, and the KFTC server so that the private bank server can perform the financial transaction requested from the personal customer terminal or the company customer terminal and may be configured to include an API server to connect to.

Here, included in the financial common network by the API server, it may be configured to further include an ATM that requests cash deposit or withdrawal or cash transfer to a predetermined private bank server.

And it may be configured to further include a QR code recognizer for recognizing the QR code of the personal customer terminal for user confirmation.

According to the financial settlement system using the above-described API, there is an effect of connecting private bank servers with terminals of individual customers or company customers to form a financial common network to facilitate financial transactions. In particular, by strengthening the security means for user authentication using QR codes of individual customers on the API server that forms the financial common network, it is possible to prevent financial accidents caused by theft of smart phones or QR codes. have.

1 is a block diagram of a financial settlement system using an API according to an embodiment of the present invention.
2 is a detailed configuration diagram of a personal customer terminal and a QR code recognizer according to an embodiment of the present invention.
3 is a diagram illustrating the use of a QR code according to an embodiment of the present invention.
4 is a schematic diagram of determining whether a QR code is stolen according to an embodiment of the present invention.
5 is a schematic diagram of a QR code display control according to an embodiment of the present invention.
6 is an exemplary diagram of a screen saver display of a QR code thief according to an embodiment of the present invention.
7 is a schematic diagram related to display control of an application according to an embodiment of the present invention.
8 is a schematic diagram of the operation of a QR code recognizer for a QR code thief according to an embodiment of the present invention.

Since the present invention can have various changes and can have various embodiments, specific embodiments are illustrated in the drawings and will be described in detail in the detailed content for carrying out the invention. However, this is not intended to limit the present invention to specific embodiments, and it should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present invention. In describing each figure, like reference numerals have been used for like elements.

Terms such as first, second, A, and B may be used to describe various elements, but the elements should not be limited by the terms. The above terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, a second component may also be referred to as a first component. and/or includes a combination of a plurality of related listed items or any of a plurality of related listed items.

When an element is referred to as being “connected” or “connected” to another element, it is understood that it may be directly connected or connected to the other element, but other elements may exist in between. it should be On the other hand, when it is said that a certain element is "directly connected" or "directly connected" to another element, it should be understood that the other element does not exist in the middle.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. In the present application, terms such as “comprise” or “have” are intended to designate that a feature, number, step, operation, component, part, or combination thereof described in the specification exists, but one or more other features It should be understood that this does not preclude the existence or addition of numbers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, 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. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and should not be interpreted in an ideal or excessively formal meaning unless explicitly defined in the present application. does not

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

1 is a block diagram of a financial payment system using an API according to an embodiment of the present invention, and FIG. 2 is a detailed configuration diagram of a personal customer terminal and a QR code recognizer according to an embodiment of the present invention. And Figure 3 is an exemplary diagram of the use of a QR code according to an embodiment of the present invention, Figure 4 is a schematic diagram of determining whether the QR code is stolen according to an embodiment of the present invention, Figure 5 is an embodiment of the present invention A schematic diagram of a QR code display control according to the present invention, Figure 6 is an exemplary diagram related to the screen saver display of a QR code stealer according to an embodiment of the present invention, Figure 7 is related to the display control of the application according to an embodiment of the present invention It is a schematic diagram, and FIG. 8 is a schematic diagram of the operation of the QR code recognizer for a QR code thief according to an embodiment of the present invention.

First, referring to FIGS. 1 and 2 , a financial payment system using an API according to an embodiment of the present invention is a personal customer terminal 100 , a company customer terminal 200 , an automated teller machine (ATM) 300 , and a QR It may be configured to include a code recognizer 400 , an application program interface (API) server 500 .

Hereinafter, a detailed configuration will be described.

The personal customer terminal 100 may be configured to request a financial transaction to a predetermined private bank server 5 . Financial transactions may include deposits and withdrawals, transfers, as well as card use, loans, and the like.

The personal customer terminal 100 includes a camera module 101, an ID OCR registration module 102, a QR code receiving module 103, a QR code execution module 104, a touch screen 105, a fingerprint database 106, a fingerprint Recognition module 107, first Bluetooth automatic connection module 108, background color use history database 109, background color automatic designation module 110, QR code display control module 111, thief image receiving module 112 , screen saver hijacker image display module 113, sighting report transmission module 114, user financial schedule reception module 115, application shortcut automatic creation module 116, application shortcut enlargement display module 117, screen saver It may be configured to include an application shortcut display module 118 and an application shortcut automatic deletion module 119 .

Hereinafter, a detailed configuration will be described.

The camera module 101 may be configured to photograph an identification card of an individual customer.

The ID card OCR registration module 102 may be configured to OCR recognize the ID photographed by the camera module 101 and register OCR recognition information with the API server 500 . Through this, user information can be initially verified or authenticated for the first time, or user information can be registered in the corresponding private bank server 5 .

The QR code receiving module 103 may be configured to receive a QR code corresponding to the OCR recognition information registered in the ID OCR registration module 102 from the API server 500 .

The QR code execution module 104 may be configured to execute the QR code received in the QR code receiving module 103 .

The touch screen 105 may be configured to display a QR code executed in the QR code execution module 104 .

The fingerprint database 106 may be configured such that fingerprint information of an individual customer is pre-stored.

The fingerprint recognition module 107 may be configured to recognize a fingerprint and compare it with fingerprint information previously stored in the fingerprint database 106 to determine whether the fingerprint matches.

The first Bluetooth automatic connection module 108 may be configured to automatically connect with the QR code recognizer 400 . Here, the QR code recognizer 400 may be separately provided as shown in FIG. 3A and connected to a personal PC or a bank teller terminal, and may be connected to or built-in to the ATM 300 as shown in FIG. have.

The background color usage history database 109 may be configured so that the usage history of the background color of the QR code executed by the QR code execution module 104 is accumulated and stored. As shown in FIG. 4 , the QR code may be configured to change the color of the background screen each time it is executed, and in this case, a history of using the background color before that may be stored.

The background color automatic designation module 110 may be configured to automatically designate a background color of the QR code executed by the QR code execution module 104 with reference to the background color usage history database 109 . The background color automatic designation module 110 may be configured to always designate a different background color whenever the QR code is executed by the QR code execution module 104 . In the case of a QR code, others can steal it by photographing it or using a captured image. Accordingly, as shown in FIG. 4, when the background color of the QR code that has been executed once is recognized again by the QR code recognizer 400, it can be determined as a stolen QR code, otherwise the background color without a history of use The QR code may be determined as a normal QR code.

When the QR code display control module 111 determines that the fingerprint information matches by the fingerprint recognition module 107 and is automatically connected with the QR code recognizer 400 by the first Bluetooth automatic connection module 108, the background It is possible to control the QR code to be displayed on the touch screen 105 by applying the background color automatically designated by the color automatic designation module 110 . That is, if the fingerprint information matches and is automatically connected to the QR code recognizer 400, it is determined as a normal state and the QR code can be normally displayed as shown in FIG. 5(C).

However, if the fingerprint information is not determined to match by the fingerprint recognition module 107 or is not automatically connected to the QR code reader 400 by the first Bluetooth automatic connection module 108, the QR code display control module 111 ) can be determined to be not in a normal state and control to display a single-color screen other than a QR code on the touch screen 105 . As shown in Fig. 5 (A) or (B).

In this way, the authentication of the fingerprint is to determine whether the user directly executed the QR code, and checking whether the QR code recognizer 400 and the Bluetooth connection is established is when the QR code is not recognized by others without permission. This is to prevent shooting or capturing and taking.

The thief image receiving module 112 may be configured to receive the thief image of the QR code from the API server 500 . If it is determined as theft in the process of determining theft of the QR code as above, the QR code recognizer 400 will immediately photograph the thief, and the thief image receiving module 112 will receive the thief image through the API server 500. can

The screensaver thief image display module 113 may be configured to execute a screensaver, and display the thief image received by the thief image receiving module 112 and a witness button of the thief on the screensaver. As shown in FIG. 6 , it may be configured to immediately launch the screensaver and display the thief image on the screensaver.

The sighting report transmission module 114 may be configured to transmit a sighting report to the API server 500 when a sighting button displayed on the screensaver of FIG. 6 is touched. That is, when the personal customer terminals 100 immediately check the image of the thief on the screen saver, when they witness the thief in the vicinity, they can report the witness by pressing the witness button. When a witness report is made, location information of the corresponding personal customer terminal 500 may be transmitted together. That is, if reports of sightings of the thieves are continuously received, the thief's escape route and location can be identified, and the thief can be easily arrested.

The user financial schedule receiving module 115 may be configured to receive the user financial schedule from the API server 500 . The user's financial schedule may include, for example, card payment of individual customers, loan interest payment, and the like.

The application shortcut automatic creation module 116 may be configured to automatically generate an application shortcut icon for directly executing the received user financial schedule when the user financial schedule is received from the user financial schedule receiving module 115 . As shown in (A) and (B) of FIG. 7 , when a user financial schedule of loan 1 interest and loan 2 interest is received, a shortcut icon for the corresponding application can be automatically created and displayed. When an individual customer executes a specific application shortcut icon, it may be configured to move directly to the corresponding interest payment screen.

When the financial schedule of the application shortcut icon automatically generated in the application shortcut automatic creation module 116 is not processed within the time limit, the application shortcut enlarged display module 117 is the application shortcut as shown in FIG. 7(C). It may be configured to display an enlarged top icon and display a reduced icon for other applications.

Screensaver application shortcut display module 118, if the financial schedule of the application shortcut icon automatically created in the application shortcut automatic creation module 116 is not processed within the time limit, if the deadline elapses longer, the screen saver and can be configured to dynamically display the corresponding application shortcut icon on the screensaver. It may be displayed as shown in (D) of FIG. 7 . The screensaver can be configured so that the screensaver does not unlock until the application shortcut icon on the screensaver is executed.

The application shortcut automatic deletion module 119 is configured to automatically delete the application shortcut icon of the processed financial schedule when the financial schedule of the application shortcut icon automatically generated in the application shortcut automatic creation module 116 is processed. can For example, if interest is paid by executing a specific application shortcut icon in (B) of FIG. 7 , the shortcut icon of the corresponding application may be automatically deleted as shown in FIG. 7 (B-1).

The company customer terminal 200 may be configured to request a financial transaction to a predetermined private bank server 5 . The financial transaction may include various transactions, such as a payment transfer, a payroll payment, and the like.

The ATM 300 is included in the financial common network by the API server 500 and may be configured to request cash deposits or withdrawals or cash transfers to a predetermined private bank server 5 .

The QR code recognizer 400 may be configured to recognize the QR code of the personal customer terminal 100 for user identification. The QR code recognizer 400 may be connected to a personal PC or a company PC, or may be connected to or embedded in the ATM 300 .

The QR code recognizer 400 is a second Bluetooth automatic connection module 401, a QR code recognition module 402, a QR code theft reception module 403, a fuming module 404, a scent diffusing module 405, a speaker module ( 406 ), a thief photographing module 407 , and a thief report sending module 408 .

Hereinafter, a detailed configuration will be described.

The second Bluetooth automatic connection module 401 may be configured to automatically connect with the personal customer terminal 100 .

The QR code recognition module 402 may be configured to recognize a QR code displayed on the touch screen 105 of the personal customer terminal 100 .

The QR code theft reception module 403 may be configured to receive whether the QR code recognized by the QR code recognition module 402 is stolen from the API server 500 . The API server 500 may determine whether to steal through the history of the background color, and the QR code theft or not receiving module 403 may receive information on whether or not to steal according to the determination.

The smoke module 404 may be configured to emit water vapor or smoke according to whether the QR code is stolen or not received by the fraudulent reception module 403 . In the case of theft, as shown in FIG. 8 , it is possible to notify the surroundings of theft by emitting steam or smoke.

The scent diffusing module 405 may be configured to emit incense in the case of fraud according to whether the QR code is stolen or not received from the receiving module 403 .

The speaker module 406 may be configured to output a fraud notification message according to whether the QR code is stolen or not received from the reception module 403 . It is possible to notify the surrounding area by printing out a large plagiarism notification message stating that the QR code has been stolen.

The thief photographing module 407 may be configured to immediately photograph the thief and generate a thief image, in the case of theft in the fraudulent or not received from the QR code theft or not receiving module 403 . A thief image as shown in FIG. 7 may be generated.

The thief report sending module 408 may be configured to send the thief report to the API server 500 by attaching the thief image generated by the thief photographing module 407 .

The API server 500 is the personal customer terminal 100 or the company customer terminal 200 so that the private bank server 5 can perform the financial transaction requested from the personal customer terminal 100 or the company customer terminal 200. and the corresponding private bank server 5 and the KFTC server 10 may be configured to form and connect to a common financial network. Here, the financial transaction may include transfer between other banks.

In addition, the API server 500 includes the ATM 300 and the corresponding private bank server 5 and the KFTC server ( 10) can be configured to form and connect a financial common network composed of

The API server 500 includes a QR code generation/transmission module 501, a QR code verification module 502, a background color usage history database 503, a user login module 504, a direct debit information receiving module 505, for each individual Virtual account granting module 506, receiving cash management service (CMS) module 507, integrated CMS module 508, CIC report request/receive module 509, CIC report scraping module 510, loan/ Card delinquency identification module (511), report analysis result provision module (512), telecommunication company usage information request/receive module (513), personal credit score calculation module (514), loan approval module (515), thief report reception module ( 516 ), a sighting report receiving module 517 , a thief image transmission module 518 , a user financial schedule database 519 , and a user financial schedule transmission module 520 .

Hereinafter, a detailed configuration will be described.

The QR code generation/transmission module 501 may be configured to generate a QR code corresponding to the OCR recognition information registered in the ID card OCR registration module 102 and transmit it to the personal customer terminal 100 .

The QR code verification module 502 contrasts the QR code recognized by the QR code recognizer 400 and the QR code generated by the QR code generation/transmission module 501, and the background color history of the verified QR code It may be configured to check whether the QR code is stolen by referring to the color usage history database 503 .

The background color usage history database 503 may be configured to accumulate and store the background color usage history of the QR code referenced by the QR code verification module 502 .

The user login module 504 may be configured to perform a user login of an individual customer corresponding to the QR code identified in the QR code verification module 502 . The user login module 504 may support a user login function so that the individual customer terminal 100 or the company customer terminal 200 can log in using fingerprint recognition, face recognition, ID/PW, and a certificate.

The direct debit information receiving module 505 may be configured to receive direct debit information from the personal customer terminal 100 when the user logs in by the user login module 504 . The direct debit information receiving module 505 may receive direct debit information such as card price or monthly rent.

The individual virtual account granting module 506 may be configured to grant an individual virtual account to the personal customer terminal 100 when a user logs in by the user log-in module 504 . The individual virtual account grant module 506 may grant an individual virtual account capable of paying taxes, fines, loan interest, and the like.

The receiving CMS module 507 may be configured to perform the receipt using the direct debit information received from the direct debit information receiving module 505 and the individual virtual account provided by the individual virtual account granting module 506 .

The integrated CMS module 508 includes account transfer, cash withdrawal, cash deposit, card payment, card use, and loan according to the request of the personal customer terminal 100 when the user is logged in by the user login module 504 . may be configured to conduct a financial transaction.

The receiving CMS module 507 and the integrated CMS module 508 may be precisely configured to support the connection of private bank servers 5 for performing financial transactions and the function of settling funds through the KFTC server 10 .

The CIC report request/receive module 509 may be configured to request and receive a CIC report including credit data of the individual customer from the credit clearing house 20 .

The CIC report scraping module 510 may be configured to scrape the CIC report received in the CIC report request/receive module 509 .

Loan/card delinquency identification module 511 may be configured to identify delinquency details of loan/card through the CIC report scraped by the CIC report scraping module 510 .

The report analysis result providing module 512 may be configured to provide a CIC report analysis result based on the loan/card overdue details identified in the loan/card delinquency identification module 511 .

The communication company usage information request/receive module 513 may be configured to request and receive communication company usage information of the individual customer to the mobile communication company server 30 .

The personal credit score calculation module 514 may be configured to calculate the personal credit score of the individual customer by using the communication company usage information received in the communication company usage information request/reception module 513 .

The loan approval module 515 uses the CIC report analysis result provided by the report analysis result providing module 512 and the personal credit score calculated by the personal credit score calculation module 514 for a loan requested from the personal customer terminal 100 may be configured to perform loan approval for Loan approval may be configured to perform a loan approval process on behalf of each private bank server 5 .

The thief report receiving module 516 may be configured to receive the thief report from the thief report sending module 408 of the QR code recognizer 400 .

The sighting report receiving module 517 may be configured to receive a sighting report from the sighting report transmitting module 114 of the personal customer terminal 100 .

The thief image sending module 518 transmits the thief image attached to the thief report received from the thief report receiving module 517 to the surrounding personal customer terminal of the QR code recognizer 400 and the personal customer terminal 100 that sent the witness report may be configured to transmit in real time to nearby personal customer terminals of

The user financial schedule database 519 may be configured to store user financial schedules.

The user financial schedule transmission module 520 may be configured to transmit the user financial schedule stored in the user financial schedule database 519 to the corresponding personal customer terminal 100 .

Although it has been described with reference to the above embodiments, those skilled in the art can understand that various modifications and changes can be made to the present invention without departing from the spirit and scope of the present invention as set forth in the following claims. There will be.

100: personal customer terminal
101: camera module
102: ID OCR registration module
103: QR code receiving module
104: QR code execution module
105: touch screen
106: fingerprint database
107: fingerprint recognition module
108: first Bluetooth automatic connection module
109: Background color usage history database
110: background color automatic assignment module
111: QR code display control module
112: thief image receiving module
113: screensaver hijacker image display module
114: sighting report sending module
115: user financial schedule receiving module
116: Application shortcut automatic creation module
117: Application shortcut magnification display module
118: screen saver application shortcut display module
119: Application shortcut automatic deletion module
200: company customer terminal
300: ATM
400: QR code reader
401: second Bluetooth automatic connection module
402: QR code recognition module
403: QR code theft or not receiving module
404: smoke module
405: scent diffusing module
406: speaker module
407: thief shooting module
408: thief report sending module
500: API server
501: QR code generating/sending module
502: QR code verification module
503: Background color history database
504: user login module
505: direct debit information receiving module
506: Individual virtual account grant module
507: storage CMS module
508: integrated CMS module
509: CIC report request/receive module
510: CIC report scraping module
511: Loan/card delinquency identification module
512: report analysis result providing module
513: Communication company usage information request/receive module
514: personal credit score calculation module
515: Loan Approval Module
516: thief report receiving module
517: sighting report receiving module
518: thief image sending module
519: User financial schedule database
520: user financial schedule transmission module

Claims (3)

a personal customer terminal requesting a financial transaction to a predetermined private bank server;
a company customer terminal requesting a financial transaction to a predetermined private bank server;
ATM included in the financial common network formed by the API server and requesting cash deposit or withdrawal or cash transfer to a predetermined private bank server;
QR code recognizer for recognizing the QR code of the personal customer terminal for user identification;
To form a financial joint network comprising the personal customer terminal or the company customer terminal, the private bank server, and the KFTC server so that the private bank server can perform the financial transaction requested from the personal customer terminal or the company customer terminal to include an API server to connect to,
The personal customer terminal,
A camera module for photographing an individual customer's ID;
ID card OCR registration module for OCR recognition of the ID photographed by the camera module, and to register OCR recognition information to the API server;
a QR code receiving module for receiving a QR code corresponding to the OCR recognition information registered in the ID OCR registration module from the API server;
a QR code execution module for executing the QR code received in the QR code receiving module;
a touch screen displaying a QR code executed in the QR code execution module;
a fingerprint database in which fingerprint information of the individual customer is stored in advance;
a fingerprint recognition module that recognizes a fingerprint and compares it with fingerprint information stored in advance in the fingerprint database to determine whether or not it matches;
a first Bluetooth automatic connection module for automatically connecting to the QR code reader;
a background color usage history database in which the usage history of the background color of the QR code executed by the QR code execution module is accumulated and stored;
a background color automatic designation module for automatically designating a background color of a QR code executed by the QR code execution module with reference to the background color usage history database;
When it is determined that the fingerprint information matches by the fingerprint recognition module and is automatically connected to the QR code reader by the first Bluetooth automatic connection module, the background color automatically specified by the background color automatic designation module is applied. Controlling a QR code to be displayed on the touch screen, and when the fingerprint information is not determined to match by the fingerprint recognition module or is not automatically connected to the QR code reader by the first Bluetooth automatic connection module, a single color screen a QR code display control module for controlling to be displayed on the touch screen;
a thief image receiving module for receiving a thief image of the QR code from the API server;
a screensaver thief image display module that executes a screensaver and displays the thief image received from the thief image receiving module and a witness button of the thief on the screensaver;
a sighting report transmission module for transmitting a sighting report to the API server when a sighting button displayed on the screensaver is touched;
a user financial schedule receiving module for receiving a user financial schedule from the API server;
When a user financial schedule is received from the user financial schedule receiving module, an application shortcut automatically generating module for automatically generating an application shortcut icon for directly executing the received user financial schedule;
When the financial schedule of the application shortcut icon automatically created in the application shortcut creation module is not processed within the specified time limit, the application shortcut icon is enlarged and displayed and other application icons are displayed by zooming in. module;
When the financial schedule of the application shortcut icon automatically created in the application shortcut automatic creation module is not processed within the specified time limit, the screensaver application bar that executes the screensaver and dynamically displays the corresponding application shortcut icon on the screensaver top display module;
When the financial schedule of the application shortcut icon automatically created in the application shortcut automatic creation module is processed, it is configured to include an application shortcut automatic deletion module that automatically deletes the application shortcut icon of the processed financial schedule,
The QR code reader,
a second Bluetooth automatic connection module for automatically connecting to the personal customer terminal;
a QR code recognition module for recognizing the QR code displayed on the touch screen of the personal customer terminal;
a QR code theft reception module for receiving whether the QR code recognized by the QR code recognition module is stolen from the API server;
a speaker module for outputting a theft notification message according to whether the QR code is stolen or not received from the reception module;
a thief photographing module for generating an image of the thief by immediately photographing the thief in the case of thief in the whether the thief received from the QR code theft or not receiving module;
and a thief report sending module for sending a thief report to the API server by attaching the thief image generated by the thief photographing module;
The API server,
a QR code generation/transmission module that generates a QR code corresponding to the OCR recognition information registered in the ID OCR registration module and transmits it to the personal customer terminal;
Checking the QR code recognized by the QR code reader and the QR code generated by the QR code generating/transmitting module module;
a background color usage history database in which the background color usage history of the QR code referenced by the QR code verification module is accumulated and stored;
a user login module for user login of the individual customer corresponding to the QR code identified in the QR code verification module;
a direct debit information receiving module for receiving direct debit information from the personal customer terminal when the user is logged in by the user login module;
an individual virtual account granting module for granting an individual virtual account to the personal customer terminal when the user logs in by the user login module;
a receiving CMS module for performing receipt using the direct debit information received from the direct debit information receiving module and the individual virtual account provided by the individual virtual account granting module;
an integrated CMS module for performing financial transactions, including account transfer, cash withdrawal, cash deposit, card payment, card use, and loan, according to the request of the personal customer terminal when the user is logged in by the user login module;
a CIC report request/receive module for requesting and receiving a CIC report including the credit data of the individual customer to the credit information center;
a CIC report scraping module for scraping the CIC report received in the CIC report request/reception module;
a loan/card delinquency identification module for determining delinquency details of a loan/card through the CIC report scraped by the CIC report scraping module;
a report analysis result providing module for providing a CIC report analysis result based on the loan/card delinquency details identified in the loan/card delinquency identification module;
a communication company usage information request/reception module for requesting and receiving the communication company usage information of the individual customer from a mobile communication company server;
a personal credit score calculation module for calculating a personal credit score of an individual customer by using the communication company usage information received from the communication company usage information request/reception module;
a loan approval module for performing loan approval for a loan requested by the personal customer terminal using the CIC report analysis result provided by the report analysis result providing module and the personal credit score calculated by the personal credit score calculation module;
a thief report receiving module for receiving a thief report from the thief report sending module of the QR code recognizer;
a sighting report receiving module for receiving a sighting report from the sighting report transmitting module of the personal customer terminal;
A thief image transmission module for transmitting the thief image attached to the thief report received in the thief report receiving module in real time to the surrounding personal customer terminal of the corresponding QR code recognizer and the surrounding personal customer terminal of the personal customer terminal that transmitted the sighting report;
a user financial schedule database in which the user financial schedule is stored;
and a user financial schedule transmission module for transmitting the user financial schedule stored in the user financial schedule database to the corresponding personal customer terminal,
The QR code verification module of the API server,
Referring to the background color usage history of the QR code accumulated and stored in the background color usage history database, if the background color of the QR code has never been used, it is judged not to be theft, and if the background color of the QR code has been used, it is theft A financial payment system using an API, characterized in that configured to be determined as one.
delete delete

Images