KR102400065B1 - System for providing financial service and method for transfer thereof - Google Patents

Abstract

A financial service providing system according to the present invention includes a receiver for receiving a transfer request from a sender account to a receiver account from a sender terminal, and an authentication processor for performing receiver authentication.

Description

SYSTEM FOR PROVIDING FINANCIAL SERVICE AND METHOD FOR TRANSFER THEREOF

The present invention relates to a financial service providing system and a transfer service method thereof.

In the past, a customer visits a financial institution to process financial business, and furthermore, it is possible to process financial business without visiting a financial institution through a network. A representative example thereof is telebanking or internet banking. Recently, as smart devices are widely distributed, the use of mobile banking for processing financial affairs using mobile devices has become common.

Such telebanking, internet banking, and mobile banking can be said to be non-face-to-face financial business processing methods because they do business without face-to-face contact with the employees of financial institutions. In this non-face-to-face financial business processing method, a customer requests financial business processing through their terminals such as a landline phone, a computer, and a smart phone, and the financial business processing result can also be checked through their own terminal.

As described above, such non-face-to-face financial business processing is performed using electronic financial means, and as a result, financial accidents are becoming more diverse and increasing compared to face-to-face financial business processing. For example, there are frequent cases of phone financial fraud such as fraud or voice phishing performed by hacking Internet banking related information. are doing Therefore, user authentication of the subject requesting financial business is essential for security and safety in financial business processing. For example, according to the prior art with respect to the transfer business, the user authentication is mainly performed for the person who sends the funds. However, in many cases, it is difficult to prevent financial fraud by just verifying the sender.

An object of the present invention is to provide a financial service capable of thoroughly preventing an electronic financial accident by performing an authentication procedure for a person receiving funds in relation to a transfer business.

A financial service providing system according to an embodiment of the present invention includes a receiver for receiving a transfer request from a sender account to a receiver account from a sender terminal, and an authentication processor for authenticating the receiver.

The receiving unit may receive transfer information from the sender terminal.

The transfer information may include at least one of a recipient's name, a recipient's account number, and a recipient's phone number.

The authentication processing unit may perform primary authentication of the receiver using the name of the receiver and the account number of the receiver.

The authentication processing unit may generate a unique authentication number for authenticating the receiver.

The authentication processing unit may transmit the unique authentication number as a message using the recipient's phone number.

The authentication processing unit may receive a secondary authentication result using the unique authentication number from the receiver terminal.

The authentication processing unit may perform third authentication using the name of the recipient and the phone number of the recipient.

When the transfer request is received, the method may further include a management unit for transferring the funds from the sender account to a collection account and managing the transfer.

The management unit may transfer money from the collection account to the collector account when the authentication of the collector is successful.

The management unit may return the funds to the sender account if the receiver authentication is not successful.

The method may further include a registration unit that receives and processes a registration application for a recipient authentication transfer service from the sender terminal.

A transfer service method according to another embodiment of the present invention is a method for a financial service providing system to transfer funds from a sender account to a receiver account, the method comprising: receiving a transfer request from a sender terminal; and performing receiver authentication includes steps.

Receiving the transfer request may include receiving at least one of a name of a recipient, a recipient account number, and a phone number of a recipient.

The performing of the receiver authentication may include performing primary authentication of the receiver using the name of the receiver and the account number of the receiver.

The performing of the receiver authentication may include generating a unique authentication number for authenticating the receiver.

The performing of the receiver authentication may include transmitting the unique authentication number as a message using the receiver phone number, and receiving a secondary authentication result using the unique authentication number from the receiver terminal. .

The performing of the receiver authentication may further include performing third authentication using the name of the receiver and the phone number of the receiver.

The method may further include transferring the funds from the sender account to a collection account after the transfer request is received.

The method may further include transferring money from the collection account to the collector account when the receiver authentication is successful.

The method may further include returning the funds to the sender account if the receiver authentication is not successful.

According to the present invention, an electronic financial accident can be thoroughly prevented by performing an authentication procedure for the person receiving the funds in relation to the transfer business, and the customer's assets can be protected by preventing the customer's funds from being illegally transferred.

1 is a block diagram of an environment in which a financial service providing system according to an embodiment of the present invention operates.
2 is a block diagram of a financial service providing system according to an embodiment of the present invention.
3 is a flowchart of a transfer service method according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings, the embodiments of the present invention will be described in detail so that those of ordinary skill in the art to which the present invention pertains can easily implement them. However, the present invention may be embodied in several different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part "includes" a certain element, it means that other elements may be further included, rather than excluding other elements, unless otherwise stated. In addition, terms such as “…unit”, “…group”, and “module” described in the specification mean a unit that processes at least one function or operation, which may be implemented as hardware or software or a combination of hardware and software. there is.

A financial service providing system and a transfer service method thereof according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a block diagram of an environment in which a financial service providing system according to an embodiment of the present invention operates.

Referring to FIG. 1 , the financial service providing system 100 is a server that processes financial business in response to a customer's request for financial business processing. In this case, financial business refers to all business related to finance, such as opening and managing financial products such as money transfer, deposits and savings accounts, deposits, withdrawals, and settlements. In particular, the financial service providing system 100 transfers a corresponding amount from the customer's account using the sender terminal 200 to the customer's account using the receiver terminal 300 in response to a transfer request from the sender terminal 200 . handle the work In this case, the financial service providing system 100 authenticates the receiver as well as the sender.

The sender terminal 200 is a device through which the sender accesses and communicates with the financial service providing system 100 through a network. The sender terminal 200 includes, for example, various types of computers including tabs and notebook computers, personal digital assistants (PDAs), mobile communication terminals including smart phones, and televisions (TVs). device may be used. In addition, the sender terminal 200 may be a telephone terminal capable of telebanking since it is possible to make a call through a wired communication network.

In addition, the receiver terminal 300 is a device through which the receiver accesses and communicates with the financial service providing system 100 through a network. As the receiver terminal 300 , various communication devices such as various computers including tabs and notebook computers, personal portable information terminals, mobile communication terminals including smartphones, and televisions may be used. In addition, the receiver terminal 300 may be a telephone terminal capable of telebanking because it is possible to make a call through a wired communication network.

Now, a financial service providing system according to an embodiment of the present invention will be described in detail with reference to FIG. 2 .

2 is a block diagram of a financial service providing system according to an embodiment of the present invention.

Referring to FIG. 2 , the financial service providing system 100 includes a registration unit 110 , a reception unit 120 , an authentication processing unit 130 , and a management unit 140 .

The registration unit 110 receives the customer's service registration application for the receiver authentication service and processes the registration.

The receiver 120 receives a transfer request for transferring a specific amount from the sender account to the receiver's account from the sender terminal 200 . At this time, the receiving unit 120 also receives the transfer information from the sender terminal 200 . The transfer information includes sender account information, receiver account number, receiver phone number, and receiver name, and may also include authentication information for authenticating the sender.

After the receiving unit 120 receives the transfer request from the sender terminal 200, the authentication processing unit 130 performs the primary authentication of the recipient using the recipient account number and recipient name included in the transfer information. carry out In this case, the primary authentication may be performed in a manner of confirming that the name of the recipient and the account number of the recipient are valid through a common bank network or the like.

After the first authentication is completed, the authentication processing unit 130 generates a unique authentication number and transmits it to the receiver terminal 300 . In this case, the receiver terminal 300 may be a phone terminal used by the receiver, and the authentication processing unit 130 may guide an authentication method for receiving funds together. Then, the receiver terminal 300 may perform secondary authentication using the unique authentication number.

In addition, the authentication processing unit 130 may perform the third authentication of the receiver through the telecommunication company using the name of the receiver and the phone number of the receiver.

When the receiving unit 120 receives a transfer request from the sender terminal 200 , the management unit 140 collects the corresponding amount into a specific account and manages the funds until the recipient authentication is completed. When the recipient authentication is completed, the management unit 140 processes the corresponding funds to be transferred to the recipient's account. At this time, if the receiver authentication fails, the management unit 140 processes the funds to be returned back to the sender's account.

Now, a transfer service method according to an embodiment of the present invention will be described in detail with reference to FIG. 3 .

3 is a flowchart of a transfer service method according to an embodiment of the present invention.

Referring to FIG. 3 , the sender terminal 200 transmits a service subscription application to the financial service providing system 100 ( S310 ). That is, after authenticating the recipient for the transfer service, an application is made for the recipient authentication service for which the transfer is to be performed. Then, the financial service providing system 100 performs the corresponding service registration for the financial service of the sender (S320).

Then, the sender terminal 200 transmits a transfer request to the financial service providing system 100 (S330). In this case, the transfer request may include transfer information including a transfer amount, a receiver account number, a name of a receiver, and a phone number of the receiver, and may be transmitted. In addition, the authentication process for the sender itself can be performed like the existing transfer service.

Then, the financial service providing system 100 transfers the transfer amount from the sender's account to the collecting account (S340).

In addition, the financial service providing system 100 performs primary authentication on the recipient based on the name of the recipient and the recipient account number received from the sender terminal 200 ( S350 ). The primary authentication may be a process of determining whether a receiver account corresponding to the name of the receiver exists using a common bank network.

Then, the financial service providing system 100 generates a unique authentication number for the receiver (S360), and transmits the unique authentication number to the receiver terminal 300 (S370). In this case, the financial service providing system 100 may transmit a guide on the secondary authentication method to the receiver terminal 300 together. In addition, the transmission may be made by sending a message using a wired or wireless communication network, etc., and the message may include a call number or a web access address to which the receiver terminal 300 can connect.

Then, the receiver terminal 300 connects to the contact number received from the financial service providing system 100, for example, a call number or a web access address, and performs secondary authentication by inputting the received unique authentication number (S380) . In this case, the receiver terminal 300 may perform information provision consent for authentication. The receiver terminal 300 transmits the secondary authentication result to the financial service providing system 100 (S390)

Then, the financial service providing system 100 performs third authentication based on the name of the recipient and the phone number of the recipient (S391). That is, the financial service providing system 100 may perform personal authentication using a telecommunication company.

Next, the financial service providing system 100 transfers the transfer amount from the collection account to the collector account when the payment receiver authentication is successful ( S392 ). In addition, the financial service providing system 100 transmits the result of the account transfer to the sender terminal 200 (S393).

If the receiver authentication is not successful, the financial service providing system 100 returns the transfer amount from the collecting account to the sender's account (S394).

As described above, according to an embodiment of the present invention, when the account transfer service is performed, in addition to performing the sender authentication, the receiver authentication is also performed. In this way, electronic financial accidents can be thoroughly prevented, and customer assets can be protected by preventing illegal transfer of customer funds.

The embodiment of the present invention described above is not implemented only through the apparatus and method, and may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium in which the program is recorded. Such a recording medium may be executed not only in the server but also in the user terminal.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements by those skilled in the art using the basic concept of the present invention as defined in the following claims are also provided. is within the scope of the right.

Claims (21)

a receiving unit for receiving a transfer request from the sender account to the receiver's account from the sender terminal; and
Authentication processing unit that performs receiver authentication
including,
The receiving unit,
receiving transfer information including at least one of a recipient name, a recipient account number, and a recipient phone number from the sender terminal;
The authentication processing unit,
performing the primary authentication of the receiver as to whether the name of the receiver and the account number of the receiver are valid using a common bank network;
After the primary authentication of the receiver is completed, a unique authentication number for authentication of the receiver is generated, the unique authentication number is transmitted as a message using the phone number of the receiver, and the unique authentication is performed from the receiver terminal By receiving the secondary authentication result using the number, the receiver performs secondary authentication,
Performing third-party authentication of the recipient for the name of the recipient and the phone number of the recipient using a telecommunication company
Financial service provision system. delete delete delete delete delete delete delete In claim 1,
When the transfer request is received, a management unit that transfers funds from the sender account to a collection account and manages them
A system for providing financial services further comprising a. In claim 9,
The management unit,
If the recipient authentication is successful, the payment is transferred from the collection account to the recipient account.
Financial service provision system. In claim 9,
The management unit,
If the recipient authentication is not successful, the funds are returned to the sender account.
Financial service provision system. In claim 1,
A registration unit that receives and processes a registration application for a recipient authentication transfer service from the sender terminal
A system for providing financial services further comprising a. delete delete delete delete delete delete delete delete delete

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