KR20000064172A - TESN Proof Type Phone Banking Service System - Google Patents

Abstract

PURPOSE: A phone banking service system is provided to identify a telephone electronics serial number(TESN) and a password allowed to a telephone of a customer with a call-identification(ID) authenticating system, so as to automatically input a call-ID signal of a credit account connected with the call-ID authenticating system on the phone banking service system, without inputting a credit account number of the customer. CONSTITUTION: A telephone electronics serial number(TESN) of a business telephone(2) of a customer(1) is registered in a call-identification(ID) authenticating system(4) as ID signal calling authentication data of a credit account. If the customer calls the call-ID authenticating system with a key of the business telephone, the system automatically retrieves the TESN and an ID signal of the credit account to input the ID signal in a phone banking system(3). If the ID signal is inputted in the phone banking system, the customer selects business services of a window and inputs a transmitter authentication inputting signal(11), to perform business services with a self/other account(7), a business terminal(8), an automated-teller machine(ATM)(9), and a phone banking-internet business system(12) by a business managing system(6) of the phone banking system.

Description

Phone unique number authentication phone banking service system {TESN Proof Type Phone Banking Service System}

According to the present invention, an ARS can be assigned to a unique telephone electronic serial number (TESN) or a telephone unique number and a call password assigned to a customer's transaction telephone (mobile phone and wireless Internet phone) even if the customer does not have to enter a credit account number. (Advanced Record system) It is a phone banking service system that checks the ID CALL-ID authentication system and automatically connects the call ID signal of the linked credit account to the phone banking system. The customer does not need to memorize the credit account number. Not only do customers have to worry about exposing their account numbers, but even if someone tries to steal your account number or password, they will not be able to use your phone other than your trading phone to implement financial transactions for your credit account. From the customer's point of view, Because the fact that the transaction request by phone deals for Lee clearly demonstrated that relates to the unique phone number, multiply banking service system being able to approve a credit without any authentication.

In the conventional credit card financial service system, when a customer who opens a credit account presents a credit card with an account number, he / she checks the credit status of the financial transaction using a transaction terminal, and then executes a credit settlement and installment financing transaction. It's taking a business model approach that makes it a reality. However, if you make a financial transaction by presenting a credit card, your account number and password are exposed to others, and there is a possibility that they will be stolen by others.If you do not use a transaction inquiry machine, you will not be able to verify your credit. After submitting the transaction certificate to the card management company, the party was forced to take a lot of inconvenience, such as withdraw the transaction price after a certain period of time.

Meanwhile, the conventional phone banking service system realizes online financial transactions such as deposits, transfers, and remittances by using a telephone. The system also knows an account number and a caller authentication signal (ex: password or biometric signal). Financial transactions can be realized through phone calls, etc., so that if the account number is exposed to others, it is easy to be stolen, and once stolen, it is difficult to verify that the customer has directly dealt with a bank or account connected to the bank. There were many cases of disputes over the responsibility for

To compensate for this, there is a phone banking service system that authenticates the accounts of customers by establishing a security system based on biometric signals such as fingerprints and sweat glands in place of password retrieval when making financial transactions over the telephone. If you use the electronic device, you can easily copy and use it, so that others can easily steal your credit account, and to commercialize it, you will be equipped with an expensive biometric scanner and retrieval device in your phone and bank window. There was a disadvantage to be had.

Therefore, in order to eliminate damages caused by the exposure or theft of account numbers and caller authentication signals, and to quickly process payments of credit transactions without having separate authentication scanners and search devices at telephones and bank counters, customers can use By recognizing the unique telephone number that is given, the credit card's call ID signal is inputted to the phone banking system so that even if someone knows the customer's account number and inputs a password or biometric signal, the phone is not registered with the customer. There is a need to implement a more secure and convenient phone banking service system that will never allow a customer's credit account to be stolen.

The present invention relates to a telephone unique number authentication phone banking service system produced to solve such a conventional problem, the customer has a telephone unique number (TESN: Telephone Electronics Serial Number) of the transaction telephone or telephone unique number of the transaction telephone and When a customer requests a financial transaction with the above-mentioned transaction phone by registering the call password as the call data of the ID signal associated with the credit account of the ARS CALL-ID authentication system, the user's telephone unique number must be used by the CALL-ID authentication system. Call ID signal of the linked credit account is automatically input to the phone banking system, so that the customer does not need to memorize the account number and input it with the KEY of the phone, and another person finds the account number and password and steals it. If you try to use a phone other than your own It was intended to implement a phone banking system with a thorough security function that prevents the customer from stealing credit card rights.

That is, the present invention does not need to memorize the long account ID number of the customer, even if you do not know the account number, you can receive the phone banking service only by using the transaction phone registered by the customer, and another person tries to steal the account number and password of the customer. Also, if you use a phone other than a transaction-only phone whose phone number is registered as the authentication data of the CALL-ID authentication system, you will never be able to realize financial transactions by the customer's credit account. Also, from the point of view of the bank or customer who deals with the communication, it is proved that the customer requested the transaction of the credit account directly by the transaction phone registered with the telephone number, so that the credit transaction can be performed without any complicated authentication process of the customer's identity. It is to provide a phone banking service system that can be.

1 is a block diagram of a phone unique number authentication phone banking service system according to a first embodiment of the present invention.

2 is a flowchart illustrating a phone unique number authentication type phone banking service system according to a first embodiment of the present invention.

3 is a block diagram of a phone unique number authentication phone banking service system according to a second embodiment of the present invention.

4 is a flowchart of a phone number authentication type phone banking service system according to a second embodiment of the present invention.

Figure 5 is an exemplary view showing a phone banking-Internet commerce system display window of the present invention.

※ Explanation of codes for main parts of drawing

1: customer, 2: transaction phone,

3: phone banking system, 4: CALL-ID authentication system,

5: replica phone search security system, 6: transaction management system,

7: other accounts, 8: customer terminal,

9: ATM machine, 10: management bank

11: caller authentication input signal, 12: phone banking-Internet commerce system

13: payment confirmation window, 14: unique phone number field,

15: Payment check box, 16: Deposit check window

17: Deposit details check box, 18: Signal screening blocking system

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

1 and 2, the present invention provides a commercial telephone (1) used independently by a customer (1) in an ARS CALL-ID authentication system (4) connected to a phone banking system (3) of a management bank (10). 2) Register the Telephone Electronics Serial Number (TESN) as the authentication data for the ID signal call of the credit account, and the customer 1 authenticates the CALL-ID described above by the key of the transaction telephone 2 described above. When the system 4 is called, the above-mentioned CALL-ID authentication system 4 automatically retrieves the ID signal of the credit account previously associated with the telephone unique number (TESN) and inputs it to the phone banking system 3. .

In this way, when the ID signal of the credit account is automatically searched and input to the phone banking system 3, the customer 1 uses the KEY of the transaction phone 2 to display the transaction (or voice announcement) in the display window (or voice guidance). Transaction with the customer / other account (7) by the transaction management system (6) of the phone banking system (3) by inputting the caller authentication input signal (11) after selecting a payment inquiry, a loan, an installment service) The transaction service with the terminal 8, the transaction service with the ATM machine 9, and the transaction service with the phone banking-Internet commerce system 12 are realized.

In addition, the present invention is for transactions used independently of the customer 1 in the ARS-type CALL-ID authentication system (4) connected to the phone banking system (3) of the management bank 10 as shown in Figures 3 and 4 The telephone identification number (TESN) of the telephone 2 and the calling password memorized in the transaction telephone 2 are registered as authentication data for ID signal calling of the credit account, and the transaction telephone 2 described by the customer 1 above. Call the CALL-ID authentication system 4 with the KEY to input the calling password, and the CALL-ID authentication system 4 automatically retrieves the ID signal of the credit account associated with the telephone unique number and calling password. By inputting to the phone banking system 3, the customer 1 selects a transaction service with the KEY of the transaction phone 2 and inputs the caller authentication input signal 11 so that the phone banking system 3 manages the transaction. The system 6 allows the customer 1 to enter the KEY of the transaction telephone 2. It is designed to settle and realize the transaction service with the requested person / other account (7), the transaction service with the customer terminal (8), the transaction service with the ATM machine (9), and the transaction service with the phone banking-Internet commerce system (12). have.

On the other hand, the CALL-ID authentication system (4) can be used by connecting the telephone number retrieval security system (5) used in the telephone station by communication, the replica telephone search security system (5) is a transaction telephone ( The communication modem checks whether there is another mobile phone which is directly called with the same phone unique number as 2) and sends a signal to CALL-ID authentication system 4 that there is another phone with the same phone unique number. The CALL-ID authentication system 4 receiving this signal stops the use of the credit account associated with the corresponding transactional phone 2 and causes the customer's transactional phone 2 to be notified. There is.

On the other hand, the caller authentication input signal 11 is registered in the database of the phone banking system (1) for the customer (1) to prove their identity when the customer (1) makes a transaction request when the transaction phone (2) Password or biometric signal (fingerprint, iris, face, etc.) to allow or reject the transaction or suspend the transaction, depending on whether the caller authentication input signal 11 inputted by In general, the sender authentication input signal 11 of the password is input with the outgoing key of the transaction phone 2, and the sender authentication input signal 11 of the biometric authentication signal is inputted to the biometric scanner mounted on the phone. To be entered.

On the other hand, the person and the other account 7 refers to the other financial transaction account opened by the customer 1 and the financial transaction account opened by another person, and the customer terminal 8 refers to the customer 1. The deposit data transferred to the account of the customer by the transaction phone 2 is configured to inquire through the Internet to print and issue a receipt and a transaction statement according to the details, and the cash dispenser 9 is After the customer 1 transfers the amount of cash to be withdrawn to the linked account of the cash machine 9 by the transaction phone 2 described above, when the deposit confirmation window appears in the cash machine 9, the customer 1 It is to be able to withdraw cash by inputting his own caller authentication input signal (11).

In addition, the phone banking-Internet commerce system 12 is a unique telephone that allows the customer (1) to enter the telephone number of the transaction phone (2) in the payment confirmation display window 13 displayed on the PC of the customer (1) The transaction details received from the transaction management system 6 are included in the payment inquiry window 16, which is composed of the number input field 14 and the payment check box 15 for confirming payment items by phone banking. In addition to the telephone unique number to be displayed in the deposit details check box 17, and when the customer 1 completes the payment by phone banking, the telephone unique number entered in the telephone unique number input field 14 and the deposit inquiry window ( If the telephone number displayed in the deposit check box 17 of 16) matches, the payment details shown in the deposit check box 17 are automatically displayed in the check box check box 15 of the check check display window 13 described above. So that the customer (1) can make a payment Not only can be confirmed in real time directly, the customer 1 is to copy the contents of the payment confirmation display window 13 to be used as a receipt.

On the other hand, the phone banking system (3) can be used to compatible with the conventional phone banking system, in this case the phone banking system (3) the call ID signal, such as a credit account of the customer (1) CALL-ID authentication system (4) If a signal selection blocking system 18 is inputted to reject a transaction when inputted through the device, a conventional phone banking system can be used as the phone banking system 3 described above.

Referring to the first embodiment of the present invention described in detail with reference to the accompanying drawings as follows.

As shown in FIG. 1 and FIG. 2, the customer 1 who has opened a credit account receives the telephone identification number (TESN) of the transaction phone 2 and the CALL-ID authentication connected to the phone banking system 3 of the management bank 10. Register with the authentication data of the system 4, and when the customer 1 calls the CALL-ID authentication system 4 with the transaction telephone 2, the ID signal of the credit account associated with the authentication data is sent. The call is entered into the phone banking system 3, and the charge settlement according to the use is executed. That is, as shown in Fig. 2, when the customer 1 applies for a credit account, his / her own transaction after registering and registering the telephone unique number of his transaction telephone 2 in the database of each CALL-ID authentication system 4 By calling each of the CALL-ID authentication system (4) connected to the phone banking system (3) of the management bank (10) with the telephone (2) through the communication of the bank banking for the credit account that the customer (1) wants to use At this time, the ARS-type CALL-ID authentication system 4, which is called, recognizes the caller's telephone number, that is, the telephone number, and automatically responds to the transaction if there is no credit account associated with the telephone number. If there is an associated credit account, the calling ID signal of the credit account is automatically called and input into the phone banking system 3 of the management bank 10, and at the same time, the data of the user's facts are received by the host computer. It is settled to be recorded. When the call ID signal of the credit account is input from the CALL-ID authentication system 4 to the phone banking system 3, a transaction service is selected to the customer in the display window (or a receiver) of the transaction telephone, and the selected caller authentication input signal ( 11) an indication to input (or a guide voice) appears, and the customer (1) inputs a caller authentication input signal 11 registered by himself / herself after applying for transaction service with a key according to the indication of the display window (or guide voice). After verifying that the caller's identity is a legitimate user of the credit account, the transaction management system connected to the phone banking system (3) is executed from this point by executing the financial transaction of the customer banking desired by the customer (1) according to the indication (or voice announcement). Transaction service with the customer and other account (7), settlement service with customer terminal (8), transaction service with cash dispenser (9), internet phone commerce The transaction service with the system 12 is realized.

On the other hand, in the case where the CALL-ID authentication system 4 is used by connecting a duplicate telephone search security system 5 of a telecommunication company, another telephone having the same telephone unique number exists in the duplicate telephone search security system 5. The CALL-ID authentication system 4 stops the use of the credit account associated with the corresponding transactional phone 2 when the signal of the notification is sent to the customer 1.

In the second embodiment of the present invention, as shown in Fig. 3 and Fig. 4, the customer 1 calls the CALL-ID authentication system 4, which is connected to the phone banking system 3, together with the telephone identification number and the calling password. Registered with the authentication data to call the ID signal of the customer, when the customer (1) calls the CALL-ID authentication system (4) to the transaction phone (2), the CALL-ID authentication system (4) is called with a phone unique number It is slightly different from the first embodiment in that an ID signal of a credit account registered by searching for a password and being associated with it is input to the phone banking system 3.

As described above, the present invention not only does not allow the credit account of the customer 1 to be easily exposed to others, and even if the other person tries to find and steal the customer's account number and password, the CALL-ID authentication system ( 4) confirms the telephone unique number (or calling password) assigned to the transaction telephone 2 of the customer 1 and inputs the call ID signal of the credit account into the Internet phone banking system 3 of the management bank 10. Therefore, when another person uses a phone other than the transaction phone 2 of the customer 1, the financial transaction by the credit account of the customer 1 can never be realized, and the customer (1) may also ) Clearly proves that you have requested a credit account transaction directly by the transaction phone (2) that registered the phone's unique number, so that you can make credit transactions without additional verification of your identity. In addition, even if the customer (1) memorizes the long account number all the time, without having to enter a cumbersome phone number search security system (4) by phone only quickly connected to the credit account of the customer (1) Compared to this, it has various features such as quick and accurate financial transactions.

Claims (7)

Telephone unique number (TESN: Telephone) of the transaction telephone (2) that the customer (1) independently possesses and uses in the ARS-type CALL-ID authentication system (4) connected to the phone banking system (3) of the management bank (10). Electronics Serial Number) as the authentication data for the ID signal call of the credit account, and when the customer 1 calls the above-mentioned CALL-ID authentication system 4 with the KEY of the transaction telephone 2, the above-mentioned CALL. -ID authentication system (4) is a phone unique number authentication phone banking service system, characterized in that the automatic identification of the ID signal of the credit account associated with the telephone unique number (TESN) automatically input to the phone banking system (3) . The telephone unique number of the transactional telephone (2) according to claim 1, wherein the customer (1) independently uses the ARS CALL-ID authentication system (4) connected to the phone banking system (3) of the management bank (10). (TESN) and the call password memorized in the transaction phone 2 are registered as authentication data for ID signal call of the credit account, and the customer 1 uses the key of the transaction phone 2 as described above for the CALL-ID authentication system. When (4) is called and a call password is input, the CALL-ID authentication system 4 automatically retrieves the ID signal of the credit account associated with the call unique number and call password and inputs it to the phone banking system 3. Phone unique number authentication phone banking service system, characterized in that the. The telephone unique number authentication system (4) is directly connected to the same telephone unique number as that of the transaction telephone (2) by connecting a duplicate telephone number retrieval security system (5) of the telephone company by communication. Upon receipt of a signal that another mobile phone is present, a telephone unique number authentication formula is provided to immediately discontinue use of the credit account associated with the corresponding transactional telephone (2) and to notify the transaction telephone of the customer (1). Phone banking service system. 3. The customer terminal 8 according to claim 1 or 2, wherein the customer terminal 8 inquires the deposit data transferred by the customer 1 to the account of the customer by the transaction phone 2 through the Internet, and the receipt and the transaction specification table according to the details thereof. Phone unique number authentication-type phone banking service system, characterized in that to print and issue. The cashier (9) according to claim 1 or 2, wherein the cash dispenser (9) transfers the transfer amount transferred by the customer (1) to the account linked to the cash machine (9) by the transaction telephone (2). Phone unique number authentication phone banking service system, characterized in that the withdrawal by cash input. The phone banking-Internet commerce system 12 according to claim 1 or 2, wherein the telephone number of the telephone 2 of the transaction telephone 2 is displayed in the payment confirmation display window 13 displayed on the customer 1's PC. A transaction received from the transaction management system 6 is configured in the payment inquiry window 16 configured with a unique phone number input field 14 for inputting a payment check box 15 for checking payments by phone banking. The details are displayed in the deposit details check box 17 together with the telephone unique number of the customer 1, and when the customer 1 completes the payment by phone banking, the telephone unique number entered in the telephone unique number input field 14 described above. When the phone number displayed in the deposit details check box 17 of the deposit inquiry window 16 is identical, the payment contents shown in the deposit check box 17 are settled in the payment check display window 13 described above. It is automatically displayed in the check box (15), and the customer (1) confirms the payment confirmation display window (1). 3) A unique phone number authentication phone banking service system, characterized in that the copy can be used as a receipt. The telephone banking system (3) according to claim 1 or 2, wherein a call ID signal such as a credit account of the customer (1) is rejected when the call ID signal is input without passing through the CALL-ID authentication system (4). Phone unique number authentication phone banking service system, characterized in that the configuration of the signal discrimination blocking system (18).