KR20010109696A - Banking system using mobile number - Google Patents
Banking system using mobile number Download PDFInfo
- Publication number
- KR20010109696A KR20010109696A KR1020000030205A KR20000030205A KR20010109696A KR 20010109696 A KR20010109696 A KR 20010109696A KR 1020000030205 A KR1020000030205 A KR 1020000030205A KR 20000030205 A KR20000030205 A KR 20000030205A KR 20010109696 A KR20010109696 A KR 20010109696A
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- mobile phone
- account number
- withdrawal
- phone number
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Abstract
본 발명은 휴대폰번호를 이용한 뱅킹 시스템에 관한 것으로서, 은행의 데이터베이스 내에 휴대폰번호에 대한 입출금용 계좌번호를 등록시켜 두어, 입금이나 출금 시에 상기 계좌번호 대신 상기 휴대폰번호를 사용해도 상기 데이터베이스에서 참조하여 상기 계좌번호가 상기 입금 또는 출금계좌번호로 입력될 수 있도록 하는 시스템이 제시되어 있다.The present invention relates to a banking system using a mobile phone number, by registering an account number for withdrawal and withdrawal of a mobile phone number in a bank's database, even when using the mobile phone number instead of the account number when depositing or withdrawing, A system is provided that allows the account number to be entered into the deposit or withdrawal account number.
Description
본 발명은 뱅킹 시스템에 관한 것으로서, 종래에는 입금계좌 및 출금계좌의 계좌번호를 일일이 입력해야 했으므로 고객은 두 개의 계좌번호를 모두 알고 있어야만 했으며, 은행계좌번호가 길어 암기하기에는 불편하므로 자금이체 시에 당사자간에 계좌번호를 알려주는 일도 번거롭고 불편한 점이 많았다.The present invention relates to a banking system, and in the related art, customers had to input the account number of the deposit account and withdrawal account one by one, and the customer had to know both account numbers, and the bank account number was long, so it was inconvenient to memorize, so that the party at the time of money transfer It was also cumbersome and inconvenient to tell me the account number.
본 발명은 상기와 같은 불편함을 해결하고자 하는 것으로서, 입출금용 계좌번호 대신 당사자의 휴대폰번호만 알고 있으면, 상기 휴대폰번호를 입출금용 계좌번호 대신 입력하여 쓸 수 있도록 하는 것이다.The present invention is to solve the inconvenience as described above, if you know only the mobile phone number of the party instead of the deposit and withdrawal account number, it is to be able to enter and write the mobile phone number instead of the deposit and withdrawal account number.
도 1은 본 발명에 따른 시스템 구성 및 흐름도.1 is a system configuration and flow diagram in accordance with the present invention.
도 2는 본 발명에 따른 데이터베이스 실시예.2 is a database embodiment according to the present invention.
도 3은 본 발명에 따른 PC뱅킹 및 폰뱅킹의 자금이체 메뉴의 실시예.Figure 3 is an embodiment of the money transfer menu of PC banking and phone banking in accordance with the present invention.
이하에서는 본 발명의 구성 및 작용을 도면을 참조하여 설명하고자 한다.Hereinafter, the configuration and operation of the present invention will be described with reference to the drawings.
도 1은 본 발명에 의한 시스템 구성 및 흐름도이다.1 is a system configuration and flow chart according to the present invention.
도 2는 본 발명에 따른 데이터베이스 실시예이다.2 is a database embodiment according to the present invention.
도 3은 본 발명에 따른 PC뱅킹 및 폰뱅킹의 자금이체 메뉴의 실시예이다.3 is an embodiment of a money transfer menu of PC banking and phone banking according to the present invention.
본 발명에 따른, 은행공용망에 연결되어 있는 데이터베이스(4)에는 고객의 휴대전화번호(11)에 하나씩의 입출금용 계좌번호(14)가 성명(12), 은행코드(13)와 함께 등록이 되어 있다. 은행 거래를 하고자 하는 사람이 은행단말기(2)로 거래를 처리하거나, PC(5)로 PC뱅킹을 하거나, 전화(6)로 폰뱅킹을 이용할 때 계좌번호(14) 대신 상기 휴대전화번호(11)를 입력하면, 은행의 호스트시스템(1)은 상기 데이터베이스(4)에서 상기 휴대전화번호(11)에 대한 계좌번호(14) 및 은행코드(13), 성명(12) 등을 조회하여 각각의 입력란에 자동으로 입력한다. 그러므로 은행 고객은 계좌번호를 몰라도 자신의 휴대전화번호와 송금 받을 사람의 휴대전화번호만 알면 잔액조회, 출금, 입금, 자금이체 등이 가능하다.According to the present invention, the database 4 connected to the public network of the bank is registered with the name 12 and the bank code 13, one account number 14 for the deposit and withdrawal in the mobile phone number 11 of the customer. It is. The mobile phone number 11 instead of the account number 14 when a person who wants to conduct a bank transaction processes a transaction with a bank terminal 2, performs a PC banking with a PC 5, or uses a phone banking with a phone 6 Enters the bank's host system (1) in the database (4) to search the account number 14 and the bank code (13), name (12), etc. for the mobile phone number 11, each field Automatically enter in Therefore, a bank customer can check his balance, withdraw, deposit, and transfer funds without knowing his / her account number.
계좌번호 대신 입력되는 휴대전화번호는 휴대전화의 식별번호인 '01X'로써 구별이 가능하고, 또는 계좌번호 입력란과 함께 휴대전화번호 입력란을 별도로 두어 상기 휴대전화입력란에 휴대전화번호가 입력이 되면 본 발명에 따른 시스템을 이용하는 것으로 판단이 가능하다.The mobile number that is entered instead of the account number can be distinguished by '01X', which is an identification number of the mobile phone. Alternatively, if the mobile phone number is entered in the mobile phone field by leaving the mobile number field together with the account number field, It is possible to judge using the system according to the invention.
휴대전화번호는 주인이 바뀔 수 있으므로 원하는 않는 사람에게 송금이 되는 경우를 방지하기 위하여, 무선사업자의 호스트(3)와 상기 데이터베이스(4)를 연결하여 휴대전화번호의 가입자가 바뀌면 해당 레코드를 삭제할 수 있도록 한다.Since the mobile phone number can be changed by the owner, in order to prevent the transfer of money to an undesired person, the record can be deleted when the subscriber of the mobile phone number is changed by connecting the host (3) of the wireless carrier and the database (4). Make sure
또한 PC뱅킹이나 폰뱅킹으로 자금이체를 하고자 하는 경우, 휴대전화번호만알고는 상대방이 어떤 은행의 졔좌번호인지를 모를 것이므로, 도 3과 같이 '휴대폰번호를 이용한 이체'라는 메뉴를 마련하여 이용자의 편의를 돕는다. 상기의 메뉴를 선택하면, 입금계좌의 은행코드를 입력하는 란은 없으며, 입금받을 사람의 휴대전화번호만 입력하면, 은행의 호스트시스템(1)이 상기 데이터베이스(4)를 조회하여 은행코드(13)는 자동으로 처리되는 것이다.In addition, if you want to transfer funds to PC banking or phone banking, because you know only the mobile phone number and the other party does not know which bank's bank number, as shown in Figure 3 'transfer using a mobile number' to provide the user's convenience To help. If the above menu is selected, there is no field for inputting the bank code of the deposit account. If only the mobile phone number of the depositee is input, the bank host system 1 inquires the database 4 and the bank code 13 ) Is handled automatically.
또한 거래가 처리되면, 입금 받은 사람의 휴대전화(7)로 입금내역을 문자메시지를 통하여 자동으로 보내주어, 고객이 입금내역을 알고자 수 차례에 걸쳐 조회하던 불편도 해소할 수 있다.In addition, when the transaction is processed, the payment history is automatically sent to the mobile phone 7 of the depositee through a text message, so that the customer can check the deposit history several times to solve the inconvenience.
또한 상기 방법에서, 상기 데이터베이스(4)를 각 은행의 호스트에 설치하고, 각 은행이 단독적으로 서비스를 할 수도 있는데, 이럴 경우는 상기 데이터베이스(4)에 은행코드(13)는 필요가 없으며, 각 은행의 데이터베이스에는 자사의 고객의 계좌에 대한 데이터만 갖게 된다. 따라서, 타행에 대한 자금이체의 경우, 고객은 거래하고자 하는 은행의 코드는 미리 알고 있어야 하는 대신, 고객들의 입장에서는 각 은행마다 하나의 계좌에 대해 각각 휴대전화번호를 등록하여 사용할 수가 있는 이점이 있다. 즉, 서로 다른 은행에 개설되어 있는 자신의 두 계좌간의 자금이체도 본 발명에 따른 방법으로 자금이체가 가능한 것이다.In addition, in the above method, the database 4 may be installed in a host of each bank, and each bank may provide a service independently. In this case, the bank code 13 is not required in the database 4, The bank's database will only have data about its customers' accounts. Therefore, in the case of the transfer of funds to the other party, the customer has to know the code of the bank that he / she wants to deal with in advance, but from the customer's point of view, the mobile phone number can be registered and used for each account for each bank. . In other words, the transfer of funds between their two accounts opened in different banks can also be transferred by the method according to the present invention.
이상의 설명에서 알 수 있는 바와 같이, 본 발명은 은행계좌번호를 몰라도 휴대전화번호만 알면 잔액조회, 입금, 출금, 자금이체 등의 은행거래를 할 수 있도록 하는 효과가 있다.As can be seen from the above description, the present invention has the effect of enabling the bank transaction such as balance inquiry, deposit, withdrawal, transfer of funds, etc. without knowing the bank account number.
Claims (5)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020000030205A KR20010109696A (en) | 2000-05-29 | 2000-05-29 | Banking system using mobile number |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020000030205A KR20010109696A (en) | 2000-05-29 | 2000-05-29 | Banking system using mobile number |
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| KR20010109696A true KR20010109696A (en) | 2001-12-12 |
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| KR1020000030205A KR20010109696A (en) | 2000-05-29 | 2000-05-29 | Banking system using mobile number |
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Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20000064172A (en) * | 2000-07-26 | 2000-11-06 | 황용안 | TESN Proof Type Phone Banking Service System |
| KR20010109231A (en) * | 2000-11-06 | 2001-12-08 | 김형기 | Geinmony card |
| KR20020030058A (en) * | 2002-03-21 | 2002-04-22 | 류왕수 | Phone number banking account management system and payment method |
| KR20020041842A (en) * | 2000-11-29 | 2002-06-05 | 김광흠 | Integrated System of unified messaging service number and account number |
| KR20020057906A (en) * | 2002-05-30 | 2002-07-12 | (주)가바플러스 | System for settlement of accounts using a mobile communication telephone |
| KR100827199B1 (en) * | 2000-06-30 | 2008-05-02 | 주식회사 케이티 | Method for paying electronic using telephone number |
| KR101489755B1 (en) * | 2014-05-15 | 2015-02-12 | (주)비바리퍼블리카 | Financial service method and system for real electronic funds transfer from separating electronic information for deposit and withdrawal |
| WO2018092948A1 (en) * | 2016-11-18 | 2018-05-24 | 라인 가부시키가이샤 | Remittance method and system therefor |
| CN108712463A (en) * | 2018-04-09 | 2018-10-26 | 上海瀚之友信息技术服务有限公司 | A kind of page interactive system |
-
2000
- 2000-05-29 KR KR1020000030205A patent/KR20010109696A/en not_active Application Discontinuation
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100827199B1 (en) * | 2000-06-30 | 2008-05-02 | 주식회사 케이티 | Method for paying electronic using telephone number |
| KR20000064172A (en) * | 2000-07-26 | 2000-11-06 | 황용안 | TESN Proof Type Phone Banking Service System |
| KR20010109231A (en) * | 2000-11-06 | 2001-12-08 | 김형기 | Geinmony card |
| KR20020041842A (en) * | 2000-11-29 | 2002-06-05 | 김광흠 | Integrated System of unified messaging service number and account number |
| KR20020030058A (en) * | 2002-03-21 | 2002-04-22 | 류왕수 | Phone number banking account management system and payment method |
| KR20020057906A (en) * | 2002-05-30 | 2002-07-12 | (주)가바플러스 | System for settlement of accounts using a mobile communication telephone |
| KR101489755B1 (en) * | 2014-05-15 | 2015-02-12 | (주)비바리퍼블리카 | Financial service method and system for real electronic funds transfer from separating electronic information for deposit and withdrawal |
| WO2018092948A1 (en) * | 2016-11-18 | 2018-05-24 | 라인 가부시키가이샤 | Remittance method and system therefor |
| CN108712463A (en) * | 2018-04-09 | 2018-10-26 | 上海瀚之友信息技术服务有限公司 | A kind of page interactive system |
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