KR102514591B1 - Method, device and system for providing easy remittance service based on online wallet with enhanced security - Google Patents

Abstract

According to one embodiment, a method for providing a simple remittance service based on an online wallet with enhanced security performed by a device comprises the steps of: receiving a remittance request comprising remitter information, recipient information, and remittance amount information from a first user terminal; transmitting a user authentication request for the first user to the first user terminal if the remitter is identified as a first user through the remitter information; receiving a user authentication result from the first user terminal when the user authentication for the first user is performed at the first user terminal; confirming an electronic wallet address of the first user through the remitter information, confirming the electronic wallet address of a second user through the recipient information and confirming the first remittance amount, which is the remittance amount, through the remittance amount information if it is confirmed that the user authentication for the first user is successful through the user authentication result; and processing the first remittance amount to be transmitted from the first user's electronic wallet to the second user's electronic wallet.

Description

Method, device and system for providing simple remittance service based on online wallet with enhanced security {METHOD, DEVICE AND SYSTEM FOR PROVIDING EASY REMITTANCE SERVICE BASED ON ONLINE WALLET WITH ENHANCED SECURITY}

The following embodiments relate to technologies for providing simple remittance services based on online wallets with enhanced security.

Recently, the simple remittance market is growing at a tremendous speed. As the majority of people do not carry cash and use simple remittance services through mobile apps, the related market has grown explosively.

However, the conventional simple remittance technology has problems such as the inconvenience of having to know the other party's account information, and damage such as leakage of personal information in the process of exchanging account information.

In addition, in providing a simple remittance service, remittance can be easily requested and processed, but there is a problem in that security is deteriorated accordingly.

Accordingly, there is an increasing demand for providing a simple remittance service while securing security, and implementation of a related technology is required.

Korean Patent Registration No. 10-2115400 Korean Patent Registration No. 10-2371023 Korean Patent Publication No. 10-2020-0051939 Korean Patent Publication No. 10-2022-0008687

According to an embodiment, when a transfer request including sender information, recipient information, and remittance amount information is received from the first user terminal, and the sender is identified as the first user through the sender information, the first user terminal is sent to the first user terminal. Sends a user authentication request for, and when user authentication for the first user is performed in the first user terminal, a user authentication result is received from the first user terminal, and user authentication for the first user is performed through the user authentication result. If successful, check the e-wallet address of the first user through the sender information, check the e-wallet address of the second user through the recipient information, and check the first amount, which is the remittance amount, through the remittance amount information; An object of the present invention is to provide a method, apparatus, and system for providing a simple money transfer service based on an online wallet with enhanced security, which processes a first amount of money to be transferred from a first user's electronic wallet to a second user's electronic wallet.

The object of the present invention is not limited to the object mentioned above, and other objects not mentioned will be clearly understood from the description below.

According to one embodiment, in the method of providing a simple money transfer service based on an online wallet with enhanced security, performed by an apparatus, the step of receiving a transfer request including sender information, recipient information, and remittance amount information from a first user terminal ; When the sender is identified as the first user through the sender information, transmitting a user authentication request for the first user to the first user terminal; receiving a user authentication result from the first user terminal when user authentication for the first user is performed in the first user terminal; If it is confirmed through the user authentication result that the user authentication for the first user is successful, the electronic wallet address of the first user is checked through the sender information, and the electronic wallet address of the second user is obtained through the recipient information. and checking the first amount, which is the remittance amount, through the remittance amount information; and processing the first amount of money to be remitted from the first user's electronic wallet to the second user's electronic wallet.

The processing of remittance of the first amount of money may include: obtaining a first user list, which is a list of users registered as transaction permission users of the first user; obtaining a second user list, which is a list of users registered as transaction permission users of the second user, when it is determined that the second user is included in the first user list; checking an amount to be received set at the request of the second user when it is confirmed that the first user is included in the second user list; and processing the first amount to be remitted from the electronic wallet of the first user to the electronic wallet of the second user when it is determined that the amount to be received is identical to the first amount.

Receiving the remittance request may include receiving the first QR code from the first user terminal when a first QR code attached to an affiliated store operated by the second user is recognized by the first user terminal, Transmitting second user information connected to the first QR code to the first user terminal, and processing the second user information to be set as the recipient information; When a request for generating a QR code for user identification is received from the first user terminal, a second QR code is generated based on the first user information, the second QR code is transmitted to the first user terminal, and the When the second QR code is recognized by the second user terminal, the second QR code is received from the second user terminal, and the second user information verified through the second user account logged in to the second user terminal transmitting to the first user terminal and processing the second user information to be set as the recipient information; and receiving the transfer request from the first user terminal when the first amount of money is input to the first user terminal in a state in which the second user information is set as the recipient information.

According to an embodiment, when a transfer request including sender information, recipient information, and remittance amount information is received from the first user terminal, and the sender is identified as the first user through the sender information, the first user terminal is sent to the first user terminal. Sends a user authentication request for, and when user authentication for the first user is performed in the first user terminal, a user authentication result is received from the first user terminal, and user authentication for the first user is performed through the user authentication result. If successful, check the e-wallet address of the first user through the sender information, check the e-wallet address of the second user through the recipient information, and check the first amount, which is the remittance amount, through the remittance amount information; By processing the transfer of the first amount of money from the first user's electronic wallet to the second user's electronic wallet, there is an effect of providing a simple remittance service with enhanced security.

On the other hand, the effects according to the embodiments are not limited to those mentioned above, and other effects not mentioned will be clearly understood by those skilled in the art from the description below.

1 is a diagram schematically showing the configuration of a system according to an embodiment.
2 is a flowchart illustrating a process of providing an online wallet-based easy remittance service with enhanced security according to an embodiment.
3 is a flowchart illustrating a process of processing only a predetermined amount of money to be transferred between registered users according to an embodiment.
4 is a flowchart illustrating a process of requesting remittance using a QR code according to an embodiment.
5 is a flowchart illustrating a process of processing remittance by setting a remittance limit through authentication through a password according to an embodiment.
6 is a flowchart illustrating a process of processing remittance by setting a remittance limit through authentication through a certificate according to an embodiment.
7 is a flowchart illustrating a process of processing remittance by setting a remittance limit through authentication through biometric information according to an embodiment.
8 is a flowchart illustrating a process of synchronizing memories between user terminals according to an embodiment.
9 is a flowchart illustrating a process of classifying files according to states according to an exemplary embodiment.
10 is a flowchart illustrating a process of determining whether to synchronize memory according to a file state according to an exemplary embodiment.
11 is an exemplary diagram of a configuration of a device according to an embodiment.

Hereinafter, embodiments will be described in detail with reference to the accompanying drawings. However, since various changes can be made to the embodiments, the scope of the patent application is not limited or limited by these embodiments. It should be understood that all changes, equivalents or substitutes to the embodiments are included within the scope of rights.

Specific structural or functional descriptions of the embodiments are disclosed for illustrative purposes only, and may be modified and implemented in various forms. Therefore, the embodiments are not limited to the specific disclosed form, and the scope of the present specification includes changes, equivalents, or substitutes included in the technical spirit.

Although terms such as first or second may be used to describe various components, such terms should only be construed for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element.

It should be understood that when an element is referred to as being “connected” to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle.

Terms used in the examples are used only for descriptive purposes and should not be construed as limiting. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this specification, terms such as "include" or "have" are intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other features It should be understood that the presence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by a person of ordinary skill in the art to which the embodiment 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 unless explicitly defined in the present application, they should not be interpreted in an ideal or excessively formal meaning. don't

In addition, in the description with reference to the accompanying drawings, the same reference numerals are given to the same components regardless of reference numerals, and overlapping descriptions thereof will be omitted. In describing the embodiment, if it is determined that a detailed description of a related known technology may unnecessarily obscure the gist of the embodiment, the detailed description will be omitted.

The embodiments may be implemented in various types of products such as personal computers, laptop computers, tablet computers, smart phones, televisions, smart home appliances, intelligent vehicles, kiosks, and wearable devices.

1 is a diagram schematically showing the configuration of a system according to an embodiment.

Referring to FIG. 1 , a system according to an embodiment may include a plurality of user terminals 100 and a device 200 capable of communicating with each other through a communication network.

First, a communication network may be configured regardless of its communication mode, such as wired or wireless, and may be implemented in various forms so that communication between servers and communication between servers and terminals is performed.

Each of the plurality of user terminals 100 may be implemented as a computing device having a communication function, and may be implemented as, for example, a mobile phone, a desktop PC, a laptop PC, a tablet PC, a smartphone, a POS terminal, etc. It is not limited and may be implemented in various types of communication devices that can be connected to external servers.

The plurality of user terminals 100 are terminals used by users who want to use the simple remittance service, such as a first user terminal 110 used by a first user, a second user terminal 120 used by a second user, and the like. can include

Hereinafter, for convenience of description, the operation of the first user terminal 110 will be mainly described, but other user terminals such as the second user terminal 120 can perform the operation of the first user terminal 110 instead. am.

Each of the plurality of user terminals 100 may access the device 200 through a web page, application, or the like provided by the device 200 . To this end, each of the plurality of user terminals 100 may be installed with an application providing a simple remittance service based on an online wallet. The corresponding application may operate in conjunction with the device 200 .

The device 200 may be a server owned by a person or organization that provides services using the device 200, may be a cloud server, or may be a peer-to-peer (p2p) set of distributed nodes. may be The device 200 may be configured to perform all or some of the arithmetic function, storage/reference function, input/output function, and control function of a normal computer.

The device 200 may be configured to communicate with a plurality of user terminals 100 by wire or wirelessly, control the operation of each of the plurality of user terminals 100, and display certain information on the screen of each of the plurality of user terminals 100. You can control what is displayed.

The device 200 may be implemented as a server that provides a simple remittance service based on an electronic wallet provided online, and may provide a platform service to provide a simple remittance service.

Meanwhile, for convenience of explanation, FIG. 1 shows only the first user terminal 110 and the second user terminal 120 among the plurality of user terminals 100, but the number of terminals may vary according to the embodiment. . As long as the processing capacity of the device 200 allows, the number of terminals is not particularly limited.

2 is a flowchart illustrating a process of providing an online wallet-based easy remittance service with enhanced security according to an embodiment.

Referring to FIG. 2 , first, in step S201, the device 200 may receive a transfer request from the first user terminal 110. Here, the remittance request is a request for remittance from the sender to the recipient, and may include sender information, recipient information, and remittance amount information, and the sender information may include at least one of the sender's identification information and the sender's electronic wallet address, , The recipient information may include at least one of the recipient's identification information and the recipient's electronic wallet address, and the remittance amount information may include a remittance amount that the sender intends to remit to the recipient. The sender's identification information is information for identifying the sender, and may include at least two of the sender's name, date of birth, and contact information. The recipient's identification information is information for identifying the recipient, and the recipient's name, date of birth, and contact information. It may include at least two or more of them.

In step S202, when the sender is identified as the first user through the sender information, the device 200 may transmit a user authentication request for the first user to the first user terminal 110. Here, the user authentication request for the first user is a request for user authentication to confirm whether the first user is correct. At this time, the user authentication may be performed using any one of a password, a certificate, and biometric information, and a certificate may include a joint certificate, a financial certificate, and the like, and biometric information may include fingerprint information, voice information, iris information, and the like.

Specifically, when the sender's identification information is confirmed through the sender information, the device 200 can confirm that the sender is the first user using the sender's identification information, and when the sender's electronic wallet address is confirmed through the sender information , it is possible to confirm that the sender is the first user by using the electronic wallet address of the sender. To this end, the database of the device 200 stores user information of each user registered as a member of the simple remittance service, and the user information may include name, date of birth, contact information, and electronic wallet address.

That is, the device 200 may search the database through the sender information to confirm that the sender is the first user among users subscribed to the simple money transfer service, and if it is confirmed that the sender is the first user, the first user A user authentication request for the first user may be transmitted to the terminal 110 .

In step S203 , when user authentication for the first user is performed in the first user terminal 110 , the device 200 may receive a user authentication result from the first user terminal 110 . Here, the user authentication result may include a value indicating whether the user authentication is successful. For example, if the user authentication is successful, the user authentication result value is 1, and if the user authentication is unsuccessful, the user authentication result Value can be 0.

Specifically, when a user authentication request for the first user is received from the device 200, the first user terminal 110 displays a menu through which user authentication is to be performed through a password, a certificate, or biometric information. It can be displayed on the screen, and when a user authentication method is selected through the menu, user authentication is performed through the selected user authentication method, and then a user authentication result can be generated according to whether the user authentication is successful or not.

Then, the first user terminal 110 may transmit the user authentication result to the device 200, and the device 200 may receive the user authentication result from the first user terminal 110.

In step S204, the device 200 may check whether user authentication for the first user has succeeded through the user authentication result.

For example, the device 200 may check the user authentication result value through the user authentication result received from the first user terminal 110, and if the user authentication result value is confirmed as 1, user authentication for the first user is performed. It can be confirmed that this is successful, and if the user authentication result value is confirmed to be 0, it can be confirmed that user authentication for the first user has failed.

If it is determined that the user authentication for the first user has failed in step S204 , the device 200 may retransmit the user authentication request for the first user to the first user terminal 110 , returning to step S202 . At this time, the device 200 may transmit a notification message recommending performing user authentication through a different method to the first user terminal 110 due to user authentication failure.

If it is confirmed that the user authentication for the first user is successful in step S204, in step S205, the device 200 checks the electronic wallet address of the first user through the sender information and the electronic wallet of the second user through the recipient information. It is possible to check the address and check the first amount, which is the remittance amount, through the remittance amount information.

When identification information of the sender is confirmed through the sender information, the device 200 may check the first user information through the sender's identification information, and then check the electronic wallet address of the first user through the first user information. When the electronic wallet address of the sender is confirmed through the information, the electronic wallet address of the sender may be confirmed as the electronic wallet address of the first user. Here, the electronic wallet of the first user may be created when the first user signs up as a member of the simple remittance service, and when the device 200 generates the electronic wallet of the first user, it is unique to the electronic wallet of the first user. address can be given.

When the recipient's identification information is confirmed through the recipient information, the device 200 may check the second user information through the recipient's identification information and then check the electronic wallet address of the second user through the second user information. When the recipient's electronic wallet address is verified through the information, the recipient's electronic wallet address can be identified as the second user's electronic wallet address. Here, the second user's electronic wallet may be created when the second user signs up for the simple remittance service as a member, and when the device 200 creates the second user's electronic wallet, it is unique to the second user's electronic wallet. address can be given.

In step S205, the device 200 may process the first amount of money to be remitted from the electronic wallet of the first user to the electronic wallet of the second user.

Specifically, the device 200 deducts a first amount from the electronic wallet of the first user, adds the deducted first amount to the electronic wallet of the second user, and adds the first amount accumulated in the electronic wallet of the first user. It may be processed so that the amount is transferred to the electronic wallet of the second user.

3 is a flowchart illustrating a process of processing only a predetermined amount of money to be transferred between registered users according to an embodiment.

According to one embodiment, each step shown in FIG. 3 may be performed after step S205 is performed.

Referring to FIG. 3 , first, in step S301 , the apparatus 200 may obtain a first user list, which is a list of users registered as transaction permission users of the first user. To this end, users who want to allow transactions by the first user may be selected in advance, and the device 200 collects the users selected by the first user and registers them as transaction permission users of the first user, and registers them. The information of the permitted transaction user and the first user information may be linked and stored in the database.

Specifically, the device 200 may transmit an information sharing request for contact information to the first user terminal 110, and if the first user permits information sharing on the contact information, the first user terminal 110 stores the information. Contact information that has been provided may be acquired from the first user terminal 110 . Here, the contact information may include a name and contact information for each of the first user's acquaintances.

Thereafter, the device 200 may select members subscribed to the easy remittance service from among acquaintances of the first user in the contact information based on the contact information, and the list of selected members may be displayed on the first user terminal 110. can be sent to

Thereafter, when a portion of the list of members selected by the first user is selected, the device 200 receives the list of selected members from the first user terminal 110, and sets the received list as a transaction permit for the first user. It may be registered, and the registered list may be stored in a database in association with the first user information. At this time, the registered list may include the name and contact information of each of the users registered as transaction-allowed users of the first user.

Thereafter, the device 200 may query the database, check a list of users permitted to trade with the first user stored in association with the first user information, and acquire the checked list as the first user list.

In step S302, the device 200 may check whether the second user is included in the first user list.

Specifically, the device 200 checks the name and contact information of each of the users registered as transaction-allowed users of the first user through the first user list, and then sets the second user's name and contact information to the confirmed name and contact information. It is checked whether the second user is included in the first user list according to the check result.

If it is confirmed in step S302 that the second user is included in the first user list, in step S303, the device 200 obtains a second user list, which is a list of users registered as transaction permission users of the second user. can To this end, users who want to allow transactions by the second user may be selected in advance, and the device 200 collects the users selected by the second user and registers them as transaction permission users of the second user, and registers them. The information of the permitted transaction user and the second user information may be linked and stored in the database.

Specifically, the device 200 may transmit an information sharing request for contact information to the second user terminal 120, and if the second user permits information sharing on the contact information, the second user terminal 120 stores the information. Contact information that has been provided may be obtained from the second user terminal 120 . Here, the contact information may include a name and contact information for each of the second user's acquaintances.

Then, based on the contact information, the device 200 may select members who are subscribed to the simple remittance service from among acquaintances of the second user in the contact list, and display the list of selected members to the second user terminal 120. can be sent to

Thereafter, when a part of the list of members selected by the second user is selected, the device 200 receives the list of selected members from the second user terminal 120, and sets the received list as a transaction permit for the second user. It may be registered, and the registered list may be stored in the database in association with the second user information. At this time, the registered list may include the name and contact information of each of the users registered as transaction-allowed users of the second user.

Thereafter, the apparatus 200 may query the database, check a list of users allowing transactions of the second user stored in association with the second user information, and obtain the checked list as the second user list.

In step S304, the device 200 may check whether the first user is included in the second user list.

Specifically, the device 200 checks the name and contact information of each of the users registered as transaction-allowed users of the second user through the second user list, and then includes the first user's name and contact information in the identified name and contact information. It is checked whether the first user is included in the second user list according to the check result.

If it is determined in step S304 that the first user is included in the second user list, in step S305, the device 200 may check the amount of money set at the request of the second user.

Specifically, when it is determined that the first user is included in the second user list, the device 200 may transmit an input request for an amount to be received from the first user to the second user terminal 120, and the second user When the amount of money to be received is input to the terminal 120, information on the amount to be received may be received from the second user terminal 120, and the amount of money to be received may be confirmed through the received information on the amount of money to be received.

In step S306, the device 200 may check whether the amount to be received matches the first amount, which is the remittance amount.

When it is determined that the amount to be received matches the first amount in step S306, in step S307, the device 200 processes the first amount of money to be remitted from the electronic wallet of the first user to the electronic wallet of the second user according to the transfer request. can do.

Meanwhile, in step S302, it is confirmed that the second user is not included in the first user list, or in step S304, it is confirmed that the first user is not included in the second user list. If it is confirmed that the amount to be received does not match the first amount in step S306, in step S308, the device 200 may transmit a processing impossibility notification message for the remittance request to the first user terminal 110.

In other words, only when both the sender and the recipient are registered as users allowing mutual transactions and the remittance amount matches the amount to be received, remittance processing for the remittance request can be allowed, and either the sender or the recipient is registered as a user allowing transactions. If it is not specified, or if the remittance amount and the amount to be received do not match, remittance processing for the remittance request may be rejected.

4 is a flowchart illustrating a process of requesting remittance using a QR code according to an embodiment.

Hereinafter, if the first user is a customer who visited the store, the second user is the owner of the store, and the customer wants to pay the purchase amount or service usage amount to the store with a simple remittance service, using a QR code The process of requesting remittance will be explained in detail.

According to one embodiment, each step shown in FIG. 4 may be performed before step S201 is performed.

Referring to Figure 4, first, in step S401, the device 200, when the first user terminal 110 recognizes the first QR code attached to the affiliated store operated by the second user, the first user terminal 110 ) to receive the first QR code. Here, the first QR code may support connection with second user information.

Specifically, the device 200, after the first user terminal 110 logs in to the simple remittance service through the first user account, when the "transfer" menu is selected in the first user terminal 110, by querying the database The first user information may be obtained through the first user account, the first user information may be transmitted to the first user terminal 110, and the first user information may be set as remitter information. That is, the first user may be automatically set as the sender simply by logging in through the first user account and selecting the “remittance” menu.

Thereafter, when the “Enter recipient information using QR code” menu is selected in the first user terminal 110, the first user terminal 110 may drive the camera to capture the QR code, and the first user Using the first user terminal 110 , a first QR code attached to an affiliated store operated by a second user may be recognized by the first user terminal 110 .

When the first QR code is recognized by the first user terminal 110, the device 200 may receive the first QR code from the first user terminal 110.

In step S402, the device 200 transmits the second user information associated with the first QR code to the first user terminal 110, and may process the second user information to be set as recipient information.

Specifically, when the first QR code is recognized by the first user terminal 110 and the device 200 receives the first QR code from the first user terminal 110, the device 200 receives second user information connected to the first QR code. , and transmits the second user information to the first user terminal 110, so that the second user information is set as recipient information. That is, only by photographing the first QR code through the first user terminal 110, the second user may be automatically set as the recipient.

Meanwhile, in step S403, the device 200 may receive a QR code generation request for user confirmation from the first user terminal 110. Here, the QR code generation request is a request to generate a QR code connected to the first user information for first user confirmation.

Specifically, the device 200, after the first user terminal 110 logs in to the simple remittance service through the first user account, when the "transfer" menu is selected in the first user terminal 110, by querying the database The first user information may be obtained through the first user account, the first user information may be transmitted to the first user terminal 110, and the first user information may be set as remitter information. That is, the first user may be automatically set as the sender simply by logging in through the first user account and selecting the “remittance” menu.

Thereafter, when the “QR code generation request” menu is selected in the first user terminal 110, the device 200 may receive a QR code generation request for user confirmation from the first user terminal 110.

In step S404, the device 200 may generate a second QR code based on the first user information. Here, the second QR code may support connection with the first user information.

In step S405, the device 200 may transmit the second QR code to the first user terminal 110.

In step S406, when the second QR code is recognized by the second user terminal 120, the device 200 may receive the second QR code from the second user terminal 120.

Specifically, in the device 200, after the second user terminal 120 logs in to the simple remittance service through the second user account, the second user terminal 120 selects the “Check sender using QR code” menu. When this happens, the second user terminal 120 can drive the camera to capture the QR code, and the second user uses the second user terminal 120 to display it on the screen of the first user terminal 110 The second QR code present can be recognized by the second user terminal 120 . At this time, the second QR code is displayed on the screen of the first user terminal 110 .

When the second QR code is recognized by the second user terminal 120, the device 200 may receive the second QR code from the second user terminal 120.

In step S407, the device 200 transmits the second user information confirmed through the second user account to the first user terminal 110, and may process the second user information to be set as recipient information. At this time, the second user terminal 120 is logged in through the second user account, and second user information can be checked through the second user account.

Specifically, when the second QR code is recognized by the second user terminal 120 and the device 200 receives the second QR code from the second user terminal 120, the device 200 first user information connected to the second QR code. It is possible to determine whether the first user information is the sender through whether the first user information matches the sender information, and if it is confirmed that the first user is the sender, the second user information is transmitted to the first user. It can be transmitted to the terminal 110 and processed so that the second user information is set as recipient information. That is, the second user may be automatically set as the recipient simply by photographing the second QR code through the second user terminal 120 .

In step S408, the device 200 receives a transfer request from the first user terminal 110 when the first amount of money is input to the first user terminal 110 while the second user information is set as the recipient information. can At this time, the remittance request may include sender information, recipient information, and remittance amount information, and the sender information is information about the first user automatically set as the sender through login of the simple remittance service, and the recipient information is This is information about a second user automatically set as a recipient, and the remittance amount information is information about a first amount input by the first user.

According to one embodiment, in processing the first amount of money to be remitted, the device 200 may set a transfer limit to a different amount according to a user authentication method, and may process remittance through the set transfer limit. At this time, user authentication may be performed through any one of a password, a certificate, and biometric information, but is not limited thereto, and user authentication may be performed through various well-known methods.

A detailed description of the contents of processing the remittance by setting the remittance limit to a different amount according to the user authentication method will be described later with reference to FIGS. 5 to 7 .

5 is a flowchart illustrating a process of processing remittance by setting a remittance limit through authentication through a password according to an embodiment.

According to one embodiment, each step shown in FIG. 5 may be performed after step S205 is performed.

Referring to FIG. 5 , first, in step S501 , the device 200 may confirm that user authentication for the first user is authentication through a password through a user authentication result.

For example, the user authentication result may include a value indicating whether user authentication is successful. For example, if user authentication through a password is successful, the user authentication result value is 1-1, and If user authentication fails, the user authentication result value may be 1-0.

Through this, the device 200 checks the user authentication result value through the user authentication result received from the first user terminal 110, and if the user authentication result value is confirmed as 1-1, user authentication for the first user is performed. It can be confirmed that it is authentication through this password. At this time, since step S501 is performed after step S205, when it is confirmed that user authentication for the first user is authentication through password, it can be automatically confirmed that authentication through password is successful.

In step S502, the device 200 may set a first range as a remittance limit of the first user when user authentication for the first user is confirmed as authentication through a password through the user authentication result. Here, the first range may be set in advance at the request of the first user to be provided when authentication is performed using a password, and may be set differently according to embodiments.

In step S503, the apparatus 200 may check whether the first amount is included within the transfer limit of the first user while the transfer limit of the first user is set to the first range.

If it is confirmed in step S503 that the first amount is within the transfer limit of the first user, in step S504, the device 200 transfers the first amount from the first user's electronic wallet to the second user's electronic wallet according to the transfer request. This can be processed to be remitted.

If it is confirmed in step S504 that the first amount is outside the transfer limit of the first user, in step S505, the device 200 sends a notification message informing that additional authentication through a certificate or biometric information is required, and the first user terminal 110 ) can be transmitted.

Thereafter, the first user may perform additional authentication through a certificate or biometric information, and return to step S203, where the device 200 will perform again from the process of receiving the user authentication result from the first user terminal 110. can

6 is a flowchart illustrating a process of processing remittance by setting a remittance limit through authentication through a certificate according to an embodiment.

According to one embodiment, each step shown in FIG. 6 may be performed after step S205 is performed.

Referring to FIG. 6 , first, in step S601 , the device 200 may confirm that user authentication for the first user is authentication through a certificate through a user authentication result.

For example, the user authentication result may include a value indicating whether user authentication is successful. For example, if user authentication through a certificate is successful, the user authentication result value is 2-1, and the user authentication result value is 2-1 through a certificate. If user authentication fails, the user authentication result value may be 2-0.

Through this, the device 200 checks the user authentication result value through the user authentication result received from the first user terminal 110, and if the user authentication result value is confirmed as 2-1, user authentication for the first user is performed. It can be confirmed that it is authentication through this certificate. At this time, since step S601 is performed after step S205, user authentication for the first user is inevitably successful, so if it is confirmed that user authentication for the first user is authentication through a certificate, authentication through a certificate is successful. can be automatically identified.

In step S602, the device 200 may set a second range as a remittance limit of the first user when user authentication for the first user is confirmed as authentication through a certificate through the user authentication result. Here, the second range may be set in advance at the request of the first user to be provided when authentication is performed through a certificate, and may be set to a wider range than the first range. For example, the first range may be set to a range from 0 won to 100,000 won, and the second range may be set to a range from 0 won to 500,000 won.

In step S603, the apparatus 200 may check whether the first amount is within the transfer limit of the first user while the transfer limit of the first user is set to the second range.

If it is confirmed in step S603 that the first amount is within the transfer limit of the first user, in step S604, the device 200 transfers the first amount from the first user's electronic wallet to the second user's electronic wallet according to the transfer request. This can be processed to be remitted.

If it is confirmed in step S604 that the first amount is outside the transfer limit of the first user, in step S605, the device 200 sends a notification message informing that additional authentication through biometric information is required to the first user terminal 110. can transmit

Thereafter, the first user may perform additional authentication through the biometric information, and return to step S203, the device 200 may perform the additional authentication from the process of receiving the user authentication result from the first user terminal 110. .

7 is a flowchart illustrating a process of processing remittance by setting a remittance limit through authentication through biometric information according to an embodiment.

According to one embodiment, each step shown in FIG. 7 may be performed after step S205 is performed.

Referring to FIG. 7 , first, in step S701 , the device 200 may confirm that user authentication for the first user is authentication through biometric information through a user authentication result.

For example, the user authentication result may include a value indicating whether user authentication is successful. For example, if user authentication through biometric information is successful, the user authentication result value is 3-1, and the biometric information If user authentication through is unsuccessful, the user authentication result value may be 3-0.

Through this, the device 200 checks the user authentication result value through the user authentication result received from the first user terminal 110, and if the user authentication result value is confirmed as 3-1, user authentication for the first user is performed. It can be confirmed that the authentication is based on this biometric information. At this time, since step S701 is performed after step S205, user authentication for the first user is inevitably successful, so if it is confirmed that user authentication for the first user is authentication through biometric information, authentication through biometric information. This can be automatically confirmed as successful.

In step S702, the device 200 may set a third range as a remittance limit of the first user when user authentication for the first user is confirmed as authentication through biometric information through the user authentication result. Here, the third range may be set in advance at the request of the first user to be provided when authentication is performed through biometric information, and may be set to a wider range than the second range. For example, the second range may be set to a range from 0 won to 500,000 won, and the third range may be set to a range from 0 won to 1 million won.

In step S703, the apparatus 200 may check whether the first amount is included within the transfer limit of the first user while the transfer limit of the first user is set to the third range.

If it is confirmed in step S703 that the first amount is within the transfer limit of the first user, in step S704, the device 200 transfers the first amount from the first user's electronic wallet to the second user's electronic wallet according to the transfer request. This can be processed to be remitted.

If it is confirmed in step S704 that the first amount exceeds the transfer limit of the first user, in step S705, the device 200 may transmit a notification message informing that the limit needs to be temporarily increased to the first user terminal 110. .

Thereafter, the first user may request a temporary remittance limit expansion using the customer center, homepage, application, etc., and when the first user's remittance limit is temporarily expanded, the process returns to step S703, and the device 200 returns to the first user. 1 can be performed again from the process of checking whether or not the amount is within the transfer limit of the first user.

According to an embodiment, when one user is using a plurality of user terminals through a plurality of accounts, and the first user and the second user are the same user, the user uses the simple remittance service while using the plurality of user terminals. In order to synchronize the memory between them, memory synchronization can be requested. A detailed description related to this will be described later with reference to FIGS. 8 to 10 .

8 is a flowchart illustrating a process of synchronizing memories between user terminals according to an embodiment.

According to one embodiment, each step shown in FIG. 8 may be performed after each step shown in FIG. 2 is performed.

Referring to FIG. 8 , first, in step S801 , the device 200 may receive a memory synchronization request between the first user terminal 110 and the second user terminal 120 from the first user terminal 110 .

Specifically, the first user may input a request to synchronize the memory between the first user terminal 110 and the second user terminal 120 through the first user terminal 110, and the first user terminal 110 ) and the second user terminal 120, the device 200 sends a memory synchronization request between the first user terminal 110 and the second user terminal 120 from the first user terminal 110. can receive

In step S802 , the device 200 may obtain a first file list that is a list of files stored in the memory of the first user terminal 110 .

Specifically, after the first user terminal 110 checks the files stored in the memory of the first user terminal 110, the first file list is a list of files stored in the memory of the first user terminal 110. , and the device 200 may acquire the first file list from the first user terminal 110 .

In step S803 , the device 200 may acquire a second file list that is a list of files stored in the memory of the second user terminal 120 .

Specifically, after the second user terminal 120 checks the files stored in the memory of the second user terminal 120, the second file list is a list of files stored in the memory of the second user terminal 120. , and the device 200 may acquire the second file list from the second user terminal 120 .

In step S804, the device 200 may compare the first file list and the second file list. That is, the device 200 may compare the first file list obtained in step S802 and the second file list obtained in step S803. In this case, the device 200 may compare the files included in the first file list with the files included in the second file list, and check whether the files included in each list match each other.

In step S805, the device 200 may determine that the first file among the files included in the first file list is not included in the second file list.

For example, when the first file list includes the first file, the second file, and the third file, and the second file list includes the second file and the third file, the device 200 includes the first file. As a result of comparing the file list and the second file list, it can be confirmed that the first file among the files included in the first file list is not included in the second file list.

In step S806, the device 200 may check the first transmission rate, which is the data transmission rate between the first user terminal 110 and the second user terminal 120.

In step S807, the device 200 may check whether the first transmission rate is faster than the first reference rate. Here, the first reference speed may be set differently according to embodiments.

If it is confirmed in step S807 that the first transmission rate is faster than the first reference rate, in step S808, the device 200 transfers the first file stored in the memory of the first user terminal 110 to the second user terminal 120. ) can be controlled to be transmitted. At this time, the first user terminal 110 may transmit the first file to the second user terminal 120 .

When the first file stored in the memory of the first user terminal 110 is transmitted to the second user terminal 120, the device 200 transmits the first file transmitted to the second user terminal 120 to the second user terminal 120. It can be controlled to be stored in the memory of the terminal 120. In this case, the second user terminal 120 may store the first file received from the first user terminal 110 in the memory of the second user terminal 120 .

If it is confirmed in step S807 that the first transmission rate is slower than the first reference rate, in step S809, the device 200 stores the first transmission rate in the memory of the first user terminal 110 until it becomes faster than the first reference rate. The stored first file may be controlled to wait without being transmitted to the second user terminal 120 . At this time, the first user terminal 110 may stand by without transmitting the first file to the second user terminal 120 .

9 is a flowchart illustrating a process of classifying files according to states according to an exemplary embodiment.

Referring to FIG. 9 , first, in step S901 , the device 200 may check files stored in the memory of the first user terminal 110 .

In step S902 , the device 200 may classify files executed during the first reference period among files stored in the memory of the first user terminal 110 into a first group. Here, the first reference period may be set differently according to embodiments.

In step S903 , the device 200 may classify files that have not been executed during the first reference period among files stored in the memory of the first user terminal 110 into a second group.

For example, when the first reference period is set to the last week, the device 200 selects files that have been executed at least once during the last week from among files stored in the memory of the first user terminal 110. It can be classified as a first group, and among the files stored in the memory of the first user terminal 110, files that have not been executed even once in the last week can be classified as a second group.

In step S904, the apparatus 200 may classify files that have been executed a first reference number of times or more during a first reference period among the files classified into the first group as a 1-1 group. Here, the first reference number of times may be set differently according to embodiments.

In step S905, the apparatus 200 may classify files executed less than a first reference number of times during a first reference period from among the files classified into the first group into a first-second group.

For example, if the first reference period is set to the most recent week and the first reference number of times is set to 5 times, the device 200 selects files classified as the first group 5 or more times in the last 1 week. Executed files may be classified as a 1-1 group, and among the files classified as the 1st group, files executed less than 5 times in the last week may be classified as a 1-2 group.

10 is a flowchart illustrating a process of determining whether to synchronize memory according to a file state according to an exemplary embodiment.

Referring to FIG. 10 , first, in step S1001, the device 200 may determine that the first transmission rate is slower than the first reference rate.

In step S1002, the device 200 may confirm that the first file is classified into the 1-1 group. Here, the first file may be classified into the 1-1 group through step S904.

If it is determined in step S1002 that the first file is classified into the 1-1 group, in step S1006, the device 200 converts the first file stored in the memory of the first user terminal 110 to the second user terminal ( 120) can be controlled to be transmitted.

Meanwhile, in step S1003, the device 200 may confirm that the first file is classified into the first-second group. Here, the first file may be classified into the first-second group through step S905.

If it is confirmed in step S1003 that the first file is classified into the 1-2 group, in step S1005, the device 200 may check whether the first transfer rate is faster than the second reference rate. Here, the second reference speed may be set to a value smaller than the first reference speed.

If it is determined in step S1005 that the first transmission rate is faster than the second reference rate, in step S1006, the device 200 transfers the first file stored in the memory of the first user terminal 110 to the second user terminal 120. ) can be controlled to be transmitted.

If it is confirmed in step S1005 that the first transmission rate is slower than the second reference rate, in step S1007, the device 200 transfers the first file stored in the memory of the first user terminal 110 to the second user terminal 120. ), and can be controlled to wait.

Meanwhile, in step S1004, the device 200 may confirm that the first file is classified into the second group. Here, the first file may be classified into the second group through step S903.

If it is determined in step S1004 that the first file is classified into the second group, in step S1007, the device 200 transfers the first file stored in the memory of the first user terminal 110 to the second user terminal 120. It can be controlled to wait without being sent to .

11 is an exemplary diagram of a configuration of a device according to an embodiment.

Device 200 according to an embodiment includes a processor 210 and a memory 220 . The processor 210 may include at least one device described above with reference to FIGS. 1 to 10 or may perform at least one method described above with reference to FIGS. 1 to 10 . A person or organization using the device 200 may provide services related to some or all of the methods described above with reference to FIGS. 1 to 10 .

The memory 220 may store information related to the methods described above or may store a program in which the methods described below are implemented. Memory 220 may be volatile memory or non-volatile memory.

The processor 210 may execute a program and control the device 200 . Program codes executed by the processor 210 may be stored in the memory 220 . The device 200 may be connected to an external device (eg, a personal computer or network) through an input/output device (not shown) and exchange data through wired/wireless communication.

The embodiments described above may be implemented as hardware components, software components, and/or a combination of hardware components and software components. For example, the devices, methods and components described in the embodiments may include, for example, a processor, a controller, an arithmetic logic unit (ALU), a digital signal processor, a microcomputer, a field programmable gate (FPGA). array), programmable logic units (PLUs), microprocessors, or any other device capable of executing and responding to instructions. A processing device may run an operating system (OS) and one or more software applications running on the operating system. A processing device may also access, store, manipulate, process, and generate data in response to execution of software. For convenience of understanding, there are cases in which one processing device is used, but those skilled in the art will understand that the processing device includes a plurality of processing elements and/or a plurality of types of processing elements. It can be seen that it can include. For example, a processing device may include a plurality of processors or a processor and a controller. Other processing configurations are also possible, such as parallel processors.

The method according to the embodiment may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program commands recorded on the medium may be specially designed and configured for the embodiment or may be known and usable to those skilled in computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks and magnetic tapes, optical media such as CD-ROMs and DVDs, and magnetic media such as floptical disks. - includes hardware devices specially configured to store and execute program instructions, such as magneto-optical media, and ROM, RAM, flash memory, and the like. Examples of program instructions include high-level language codes that can be executed by a computer using an interpreter, as well as machine language codes such as those produced by a compiler. The hardware devices described above may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

Software may include a computer program, code, instructions, or a combination of one or more of the foregoing, which configures a processing device to operate as desired or processes independently or collectively. You can command the device. Software and/or data may be any tangible machine, component, physical device, virtual equipment, computer storage medium or device, intended to be interpreted by or provide instructions or data to a processing device. , or may be permanently or temporarily embodied in a transmitted signal wave. Software may be distributed on networked computer systems and stored or executed in a distributed manner. Software and data may be stored on one or more computer readable media.

As described above, although the embodiments have been described with limited drawings, those skilled in the art can apply various technical modifications and variations based on the above. For example, the described techniques may be performed in an order different from the method described, and/or components of the described system, structure, device, circuit, etc. may be combined or combined in a different form than the method described, or other components may be used. Or even if it is replaced or substituted by equivalents, appropriate results can be achieved.

Therefore, other implementations, other embodiments, and equivalents of the claims are within the scope of the following claims.

Claims (3)

In the method of providing an online wallet-based simple remittance service with enhanced security, performed by a device,
Receiving a remittance request including sender information, recipient information, and remittance amount information from a first user terminal;
When the sender is identified as the first user through the sender information, transmitting a user authentication request for the first user to the first user terminal;
receiving a user authentication result from the first user terminal when user authentication for the first user is performed in the first user terminal;
If it is confirmed through the user authentication result that the user authentication for the first user is successful, the electronic wallet address of the first user is checked through the sender information, and the electronic wallet address of the second user is obtained through the recipient information. and checking the first amount, which is the remittance amount, through the remittance amount information; and
And processing the first amount of money to be remitted from the electronic wallet of the first user to the electronic wallet of the second user,
The step of processing the first amount to be remitted,
setting a predetermined first range as a remittance limit of the first user when user authentication of the first user is confirmed as authentication through a password through the user authentication result;
setting a second range wider than the first range as a remittance limit of the first user when user authentication of the first user is confirmed as authentication through a certificate through the user authentication result;
setting a third range wider than the second range as a remittance limit of the first user when user authentication of the first user is confirmed as authentication through biometric information through the user authentication result;
processing the first amount of money to be remitted from the electronic wallet of the first user to the electronic wallet of the second user when it is determined that the first amount of money is within the transfer limit of the first user;
In a state where the first user's remittance limit is set to the first range, when it is confirmed that the first amount exceeds the first user's remittance limit, notifying that additional authentication through a certificate or biometric information is required Transmitting a notification message to the first user terminal;
When the first user's remittance limit is set to the second range and it is confirmed that the first amount exceeds the first user's remittance limit, a notification message informing that additional authentication through biometric information is required. Transmitting to the first user terminal; and
When the first user's remittance limit is set to the third range and it is confirmed that the first amount exceeds the first user's remittance limit, a notification message informing that a temporary limit expansion is required is sent to the first user. 1 Including the step of transmitting to a user terminal,
After the step of processing the first amount to be remitted,
When memory synchronization between the first user terminal and the second user terminal is requested, a first file list that is a list of files stored in the memory of the first user terminal and files stored in the memory of the second user terminal obtaining a second file list that is a list;
As a result of comparing the first file list and the second file list, when it is determined that the first file among the files included in the first file list is not included in the second file list, the first user terminal checking a first transmission rate that is a data transmission rate between the user terminal and the second user terminal;
When it is confirmed that the first transmission rate is higher than the preset first reference rate, the first file stored in the memory of the first user terminal is controlled to be transmitted to the second user terminal, so that the second user terminal controlling the transmitted first file to be stored in the memory of the second user terminal; and
When it is confirmed that the first transmission rate is slower than the first reference rate, the first file stored in the memory of the first user terminal is stored until the first transmission rate becomes faster than the first reference rate. 2 further comprising the step of controlling to wait without being transmitted to the user terminal;
The step of controlling the first file to wait without being transmitted to the second user terminal,
Classifying files executed during a preset first reference period among files stored in the memory of the first user terminal into a first group, and classifying files not executed during the first reference period into a second group. ;
Among the files classified into the first group, files executed more than a predetermined first reference number during the first reference period are classified into a 1-1 group, and files executed less than the first reference number of times during the first reference period classifying files into first-second groups;
controlling transmission of the first file stored in the memory of the first user terminal to the second user terminal when the first file is classified into the 1-1 group;
When the first file is classified into the 1-2 group, when it is determined that the first transmission rate is slower than the first reference rate but faster than a preset second reference rate, the first file is stored in the memory of the first user terminal. The stored first file is controlled to be transmitted to the second user terminal, and when it is determined that the first transmission speed is slower than the second reference speed, the first file stored in the memory of the first user terminal is controlled. controlling a file to wait without being transmitted to the second user terminal; and
When the first file is classified into the second group, controlling the first file stored in the memory of the first user terminal to wait without being transmitted to the second user terminal,
A method of providing simple remittance service based on online wallet with enhanced security. According to claim 1,
The step of processing the first amount to be remitted,
obtaining a first user list, which is a list of users registered as transaction permission users of the first user;
obtaining a second user list, which is a list of users registered as transaction permission users of the second user, when it is determined that the second user is included in the first user list;
checking an amount to be received set at the request of the second user when it is confirmed that the first user is included in the second user list; and
If it is confirmed that the amount to be received is identical to the first amount, processing the first amount to be remitted from the electronic wallet of the first user to the electronic wallet of the second user,
A method of providing simple remittance service based on online wallet with enhanced security. According to claim 1,
Receiving the remittance request,
When the first QR code attached to the affiliate store operated by the second user is recognized by the first user terminal, the first QR code is received from the first user terminal, and the second QR code associated with the first user terminal transmitting user information to the first user terminal and processing the second user information to be set as the recipient information;
When a request for generating a QR code for user identification is received from the first user terminal, a second QR code is generated based on the first user information, the second QR code is transmitted to the first user terminal, and the When the second QR code is recognized by the second user terminal, the second QR code is received from the second user terminal, and the second user information verified through the second user account logged in to the second user terminal transmitting to the first user terminal and processing the second user information to be set as the recipient information; and
Receiving the transfer request from the first user terminal when the first amount is input to the first user terminal in a state in which the second user information is set as the recipient information,
A method of providing simple remittance service based on online wallet with enhanced security.

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