KR20010029553A - computer program system for safety circulation of money account transactions - Google Patents

computer program system for safety circulation of money account transactions Download PDF

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Publication number
KR20010029553A
KR20010029553A KR1020000002526A KR20000002526A KR20010029553A KR 20010029553 A KR20010029553 A KR 20010029553A KR 1020000002526 A KR1020000002526 A KR 1020000002526A KR 20000002526 A KR20000002526 A KR 20000002526A KR 20010029553 A KR20010029553 A KR 20010029553A
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password
account
depositor
financial institution
police
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KR1020000002526A
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Korean (ko)
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최완경
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최완경
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Priority to KR1020000002526A priority Critical patent/KR20010029553A/en
Publication of KR20010029553A publication Critical patent/KR20010029553A/en

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    • GPHYSICS
    • G08SIGNALLING
    • G08BSIGNALLING OR CALLING SYSTEMS; ORDER TELEGRAPHS; ALARM SYSTEMS
    • G08B21/00Alarms responsive to a single specified undesired or abnormal condition and not otherwise provided for
    • G08B21/02Alarms for ensuring the safety of persons
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Emergency Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Alarm Systems (AREA)

Abstract

PURPOSE: A computer program system for a safe financial transaction is provided to protect a customer's property, and to reduce mobilization of manpower for criminal investigation by arresting a criminal taken in an act of crime. CONSTITUTION: In case that a robber takes away a bankbook, a seal and a cash card of a customer and the customer has to tell a robber a password, the customer tells a preventable password already registered. In case that the robber use the password, a financial transaction normally is normally performed outwardly. A fact that the robber performed the transaction is reported to members of the financial institution, the police and a security service enterprise. The robber is taken in the act.

Description

안전한 금융 거래를 위한 컴퓨터 프로그램 시스템{computer program system for safety circulation of money account transactions}Computer program system for safety circulation of money account transactions

강도 등의 범죄자들의 위협에의해 통장, 도장, 현금카드 등을 빼앗기고 비밀 번호를 알려주어야 할 경우 위험 방지용 비밀번호를 알려주어 강도가 이 비밀번호를 이용하여 현금을 인출하려 할 때 자동적으로 금융 기관 직원, 경찰, 경비 용역업체에 신고되어 현행범을 체포 할 수 있어 범죄 예방과 금융 기관 고객들의 통장 잔액을 안전하게 관리 할 수 있는 컴퓨터 프로그램 시스템이다.If you need to give out your bankbook, stamp, or cash card by the threat of criminals such as robbery, and tell them your password, you will be given a password to prevent danger. In addition, it is a computer program system that can be reported to a security service provider and arrests the current criminal, so that crime prevention and bank account balances of financial institution customers can be managed safely.

대담한 강도들에 의해 비교적 안전하다고 생각하는 금융 기관 통장의 잔액을 빼앗기는 경우가 있지만 이들을 추적하는 것은 녹화용 감시 카메라에 의존하고 있고 범인을 잡기에는 어려운 실정이며, 이미 범행이 이루어지고 난 후 이기 때문에 피해자들의 손실을 보상하기가 어렵다.The bold robbers sometimes take the balance of financial institution accounts they consider relatively safe, but tracking them depends on surveillance cameras for recording and is difficult to catch, and since they have already been committed, It is difficult to compensate for their loss.

그러나 본 컴퓨터 프로그램은 현행범을 체포할 수 있어 사고 예방과 금융 기관 고객들의 재산을 보호 할 수 있다.However, the computer program could arrest current criminals and prevent accidents and protect the property of financial institution clients.

..

강도등에 의해 통장, 도장, 현금카드를 빼앗기고 비밀 번호를 알려 주어야 할 경우는 이미 등록되어있는 위험 방지용 비밀 번호를 강도에게 알려주어 강도가 이 비밀 번호를 사용할 경우 거래는 정상적인 것처럼 이루어지지만 이미 금융 기관 직원, 경찰, 경비 용역 업체 등에 통보되어 범인을 현장에서 채포 할 수 있는 시스템이다.If you need to steal your bankbook, stamp, or cash card by robbery, etc. and provide your password, tell the robber the password that you have already registered to prevent the robbery from using the password. It is a system that can notify criminals, police, security service companies and collect criminals on site.

강도 등의 위협에 의해 통장의 잔액을 인출해 가는 범죄가 발생하면 감시 카메라에 녹화된 자료를 토대로 수사를 하지만, 범인을 잡기는 어려운 실정이고, 많은 수사력을 필요로 하고 있다.When a crime occurs that withdraws the account balance due to threats such as robbery, investigations are conducted based on the data recorded on the surveillance cameras, but it is difficult to catch criminals and requires a lot of investigation power.

본 프로그램은 현행범을 체포할 수 있기 때문에 금융 기관 고객의 재산을 보호할 수 있고, 수사력을 줄일 수 있다.The program can arrest current criminals, thus protecting the property of financial institution clients and reducing investigative power.

Claims (7)

강도 등의 범죄 예방을 위하여 현재 일반적으로 사용하고있는 비밀 번호 외에 위험 할 때만 사용하는 위험 방지 용 비밀 번호를 위험 정도에 따라 선택 사용할 수 있도록 1개 이상 추가하여 등록하고, 통장, 도장, 현금카드(신용카드 겸용 포함)를 빼앗은 범죄자의 위협에 의해 부득이 비밀번호를 알려 주어야 할 경우는 위험 방지용 비밀번호를 알려주고, 이 비밀 번호를 사용하여 조회를 할 때는 범죄자가 알지 못하도록 조회 절차는 평상시 사용하는 비밀 번호처럼 진행되지만, 조회 결과는 가압류 등으로 인하여 출금이 정지된 계좌임을 알려주어 출금을 차단하고, 조회를 해보지 않고 범죄자가 창구, 현금 지급기 등을 통하여 출금, 계좌이체를 하려할 경우는 즉시 금융 기관 직원, 경찰, 경비 용역 업체 등에 예금주의 주거지와 출금 장소의 위치가 통보되고, 전산 시스템을 지연시켜 전산 장애가 발생하였거나 가압류 등으로 인하여 거래 중지된 계좌임을 인출 자에게 알려주어 출금을 못하게 하는 시스템For the prevention of crimes such as robbery, one or more passwords for the prevention of crimes, which are used only when dangerous, can be selected and used according to the degree of danger. If you are forced to give out your password due to the threat of a criminal who has taken credit card, you should provide the password to prevent the risk.When you use this password, the inquiry process proceeds like your usual password so that the criminals do not know. However, the inquiry result informs that the account is withdrawn due to the seizure, etc. to block the withdrawal, and if the criminal attempts to withdraw or transfer the account through the counter or cash machine without inquiring, immediately the staff of the financial institution, the police Informed the location of the depositor's residence and withdrawal location The system prevents the withdrawal by informing the withdrawer that the account is delayed due to a computer failure or due to a pressurization by delaying the computer system. 위 1항에서 예금주나 통장을 관리하는 사람이 범죄자로부터 자신이나 가족, 동료들의 신체 가해 행위를 예방하기 위하여 위험 방지 용 비밀 번호가 입력되면 예금주가 미리 설정하여둔 소액의 범위 내에서만 조회와 출금이 가능토록 하고, 범죄자가 창구, 현금 지급기 등을 통하여 출금, 계좌 이체를 하려할 경우는 즉시 금융 기관 직원, 경찰, 경비 용역 업체 등에 예금주의 주거지와 출금 장소의 위치가 통보되고, 금융 기관 전산망을 정상 거래보다 지연시켜 금융 기관 직원, 경찰, 경비 용역 업체 직원의 출동 시간을 확보하여 예금주 보호와 출금하는 범죄자를 현장에서 체포 할 수 있는 시스템In the above paragraph 1, if a depositor or bank account holder enters a risk prevention password to prevent physical abuse by himself, his family, or his colleagues from criminals, the depositor and his / her bank account shall be inquired and withdrawn only within a small amount previously set by the depositor. If a criminal attempts to withdraw or transfer funds through a teller or cash machine, the bank will immediately notify the staff of the financial institution, the police, and the security service provider of the location of the depositor's residence and withdrawal location. By delaying the transaction and securing the dispatch time of the employees of the financial institutions, the police, and the security service company, it is possible to protect the depositors and arrest the withdrawing criminals on the spot 위 1항2항에서 위험 방지용 비밀 번호가 입력되면 예금주가 미리 지정하여둔 본인, 배우자, 가족, 동료들의 동일 금융 기관의 통장은 물론 타 금융 기관의 통장도 모두 위 1항과 같이 거래 정지되거나, 위 2항과 같이 예금주가 미리 설정하여둔 잔액의 범위 내에서만 출금할 수 있는 시스템If the risk prevention password is entered in paragraphs 1 to 2 above, the account holders of the same financial institution of the person, spouse, family, and co-workers designated by the depositor, as well as the accounts of other financial institutions, may be suspended as described in paragraph 1 above. Withdrawal system can be withdrawn only within the balance set in advance by the account holder as in paragraph 2 above. 위 12항에서 범죄자가 현금 지급기를 통해 인출하려 할 경우 위험 방지 용 비밀번호가 입력되면 현금 지급기가 설치되어있는 출입문이 자동으로 닫혀 관계되는 금융 기관 직원이나 공공기관의 도움을 받아야 문이 열리고, 그사이 경찰이나 경비 용역 업체 직원이 출동하여 범인을 현장에서 체포할 수 있는 시스템If the criminal attempts to withdraw the cash through the ATM in the above 1 to 2 above, if the risk prevention password is entered, the door where the ATM is installed is automatically closed and the door opens with the help of the relevant financial institution employee or public institution. In the meantime, a police or security service employee can dispatch to arrest the criminal on-site. 컴퓨터 해킹 침해 방지를 위하여 모든 비밀번호는 암호화되어 처리되고, 전화, 컴퓨터 통신 등의 통신 수단을 이용하거나, 예금주가 금융 기관을 방문하여 비밀번호 변경을 수시로 할 수 있는 시스템In order to prevent computer hacking infringement, all passwords are encrypted and processed, using a communication method such as telephone or computer communication, or a depositor can visit the financial institution and change the password from time to time. 텔레벵킹, 폰벵킹, PC벵킹 등을 통하여 계좌이체를 하려할 경우 위험 방지용 비밀번호가 입력되면 이 계좌는 위 서비스가 불가능한 계좌라는 메세지를 적당한 이유와 함께 전달하고 계좌이체 서비스를 차단하는 시스템If you want to transfer your account through tele-banking, phone-banking, PC-banking, etc., if a password for risk prevention is entered, this account will send a message that the account cannot be serviced with the appropriate reasons and block the account transfer service. 강도가 인질을 데려가 인질에게 출금을 요구할 경우를 위하여 위험 방지 용 비밀 번호 외에 다른 약속된 버튼을 더 누르면 인질로 잡혀 출금을 하고 있는 중이라는 것을 금융 기관 직원, 경찰, 경비 용역 업체 등에 알려 인질 보호와 범인체포에 만전을 기하도록 하는 시스템If a robber takes a hostage and asks the hostage to withdraw it, press the button other than the risk prevention password to notify the financial institution staff, the police, the security service provider that the hostage is being taken out. System to make sure everybody is arrested
KR1020000002526A 2000-01-17 2000-01-17 computer program system for safety circulation of money account transactions KR20010029553A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20040000628A (en) * 2002-06-22 2004-01-07 김정훈 Security method for financial card using plural passwords and system thereof
KR20040022812A (en) * 2002-09-09 2004-03-18 에스케이 텔레콤주식회사 System and Method for Providing Security of User by Using Dual Password
KR20040026034A (en) * 2002-09-17 2004-03-27 송창용 System for dual password service of credit/cash/debit card and method thereof
KR100869133B1 (en) * 2006-12-21 2008-11-17 주식회사 신한은행 System and Method for Operating Variable Accountor Card Authentication Means and Program Recording Medium

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20040000628A (en) * 2002-06-22 2004-01-07 김정훈 Security method for financial card using plural passwords and system thereof
KR20040022812A (en) * 2002-09-09 2004-03-18 에스케이 텔레콤주식회사 System and Method for Providing Security of User by Using Dual Password
KR20040026034A (en) * 2002-09-17 2004-03-27 송창용 System for dual password service of credit/cash/debit card and method thereof
KR100869133B1 (en) * 2006-12-21 2008-11-17 주식회사 신한은행 System and Method for Operating Variable Accountor Card Authentication Means and Program Recording Medium

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