KR20030012277A - Method for restricting a banking service using more than one password and, method for noticing a banking trouble - Google Patents

Abstract

PURPOSE: A method for limiting a financial transaction and reporting an accident by using plural passwords is provided to limit a transaction amount and to automatically report a message informing a preset person or organization of the financial accident when a user requests the financial transaction such as the withdraw and the non-account transfer. CONSTITUTION: A financial server confirms a request of a financial transaction service(S11). In case of the financial transaction request, the server requests and receives an account number and the password(S13). After confirming the password from a personal mobile communication terminal, the transaction information relating to the password is checked(S14). In case of the password for a normal transaction, the financial transaction service is normally executed(S16). In case of the transaction limitation, the server judges that the request is an abnormal state. Thus, the server provides the financial transaction server on a state limiting the transaction amount(S17) and automatically reports the financial transaction accident to a stored telephone number linked with the password(S18).

Description

Method for restricting a banking service using more than one password and, method for noticing a banking trouble}

The present invention relates to a financial transaction restriction and accident occurrence reporting method using a plurality of passwords, and more particularly, when a financial transaction request such as deposit withdrawal or bank transfer is requested, a unique password for identifying a user is different from each other. When assigning a plurality of passwords and selecting and using one of the predetermined contracts, limiting financial transactions and limiting financial transactions and reporting accident occurrences using multiple passwords that automatically report the occurrence of a financial accident. It is about.

In general, when a financial company such as a bank or the like requests a financial transaction service such as deposit withdrawal or bank transfer from a user who has an account, a predetermined password is required to confirm the identity of the user.

Accordingly, the user is informed of the password assigned to the user, and the financial company provides the requested financial transaction service only as long as the password matches the password previously assigned to the user. do. Therefore, the password should not be exposed to third parties other than the user.

On the other hand, in recent years, without a direct visit to a financial company such as a bank, using an automatic bank transaction terminal (ATM) remotely, or a personal computer connected to the Internet, or a personal mobile communication terminal connected to the mobile communication network The use of financial transaction services is increasing rapidly.

Therefore, as a method for confirming the identity of the user who requested the financial transaction service through the communication network as described above, it is more dependent on the confirmation of the password, special attention is required to prevent exposure of the password assigned to the user himself. .

However, when a financial transaction service such as deposit withdrawal or bank transfer is requested while the user's password is forcibly exposed due to the force of a third party, the financial company cannot identify it, so that the password is matched. Since the transaction service is normally provided, there was a problem in that a financial transaction accident frequently occurs in a situation such as a kidnapping crime.

Therefore, the present invention was created to solve the above problems, and when a financial transaction request such as deposit withdrawal or bank transfer, a unique password for identifying the user is assigned to a plurality of different passwords, and In the case of selecting and using any one of the predetermined passwords for restricting the transaction, the financial transaction service shall be provided, but the amount of the transaction will be limited, and a message informing the occurrence of the financial accident will be sent to a predetermined person or a specific institution. The purpose of the present invention is to provide a method for limiting financial transactions and reporting incidents using a plurality of passwords for automatic notification.

1 is a view illustrating a state in which a financial server to which a financial transaction restriction and an incident occurrence reporting method using a plurality of passwords according to the present invention is applied, and a plurality of communication terminals are connected and connected through a communication network,

2 is a table showing passwords and transaction information stored and managed in a financial server according to the present invention;

3 is a flowchart illustrating an operation of a method for reporting a financial transaction restriction and incident occurrence using a plurality of passwords according to the present invention;

4 illustrates a terminal display screen for an accident occurrence message provided by an accident occurrence reporting method according to the present invention.

※ Explanation of code for main part of drawing

10: financial server 20: bank clerk terminal

30: automatic bank transaction terminal 40: personal computer

50: mobile communication terminal 100: network

200: mobile communication network

Financial transaction restriction method using a plurality of passwords according to the present invention for achieving the above object, the password received from a terminal connected through a communication network, a plurality of passwords previously assigned to confirm the identity of the user Step 1 of checking whether the password is set to any one of the transaction limit; And two steps for selectively limiting the financial transaction service requested from the terminal according to the confirmation result.

In addition, the financial transaction incident reporting method using a plurality of passwords according to the present invention, the password received from the terminal connected through the communication network, the restriction of the transaction among the plurality of passwords pre-assigned to confirm the identity of the user Confirming whether the password is any one set; And, as a result of the check, if the password is set as a transaction restriction, characterized in that it comprises a two-step notification of the occurrence of the accident to a specific person or a specific institution set in advance.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of the financial transaction restriction and accident occurrence reporting method using a plurality of passwords according to the present invention will be described in detail.

First, FIG. 1 illustrates a state in which a financial server 10 and a plurality of terminals connected to a financial transaction limit and incident occurrence reporting method using a plurality of passwords according to the present invention are connected and connected through a communication network. The financial server 10 is a personal terminal that can use a financial transaction service through a terminal 20 used by a banker, an automatic bank transaction terminal (ATM), and the Internet through a network 100 such as the Internet or a bank communication network. It may be connected to the computer 40 or the like, and may be connected to the personal mobile communication terminals 50, 60, and 70 using the mobile communication network 200 as well as the wired telephone.

Accordingly, in the financial server 10, a financial transaction service requested from the banker terminal 20, the automatic bank transaction terminal 30, and the personal computer 40 through a network 100 such as the Internet or a bank communication network. In addition, the mobile communication network 200 may provide a financial transaction service requested from the personal mobile communication terminal 50.

On the other hand, the financial server 10, before providing the financial transaction service requested through the communication network as described above, to confirm the identity of the user, wherein the password used to verify the user identity is shown in FIG. As described above, a plurality of different passwords are allocated and linked to one account number, and any one of the plurality of passwords set for the transaction limit includes information on the transaction limit amount and a financial transaction accident. Information is included to automatically report the occurrence.

For example, any one password set for the transaction restriction can be used in case of an emergency in which the user is forced to expose the password by a third party's coercion or intimidation or the like. 4 digits of number, etc., may be automatically assigned from the financial company.

In addition, the transaction limit amount may be set to a certain amount by the user's selection, or may be set at a predetermined rate with respect to the total amount deposited in the corresponding account number. In addition, as the information for automatically reporting the occurrence of the financial transaction accident, a phone number of a family or a friend selected by a user may be recorded and stored, and a phone number of a public institution such as a police station may be recorded. .

Accordingly, the financial server 10 provides a normal financial transaction service according to the password selected by the user as described above, or limits the transaction amount based on the financial transaction restriction information, and automatically generates a financial accident. The report will be described in detail with respect to financial transaction restrictions and accident reporting method using a plurality of passwords as follows.

3 is a flowchart illustrating an operation of a method for limiting a financial transaction and reporting an accident occurrence using a plurality of passwords in a financial server according to the present invention. In the financial server 10, a network 100 or a mobile communication network ( When connected to the user's terminal via the connection 200 (S10), it is checked whether a financial transaction service such as deposit withdrawal or bank transfer is requested (S11).

On the other hand, when the check result, the financial transaction service is not a request, for example, when a supplementary service that is not related to the financial transaction is requested from the personal mobile communication terminal 50 connected and connected through the mobile communication network 200, The additional service corresponding thereto is provided (S12), and when a financial transaction service such as deposit withdrawal or bank transfer is requested, the account number and password are received (S13).

Then, by checking the password received from the personal mobile communication terminal 50 through the above process, it is to check and confirm the transaction information stored in association with the password (S14), the transaction information stored in association with the corresponding password, As described above with reference to FIG. 2, when the transaction does not correspond to a transaction limit, that is, a password corresponding to a normal transaction, the requested financial transaction service is normally executed (S16). As described above with reference to FIG. 2, when the transaction is restricted, it is determined that the financial transaction service request is in an abnormal situation.

For example, as shown in FIG. 2, when the account number and password received from the personal mobile communication terminal 50 are '10 -1001-20-XXXX 'and' 6789 ', respectively, the financial server ( In 10), the transaction information associated with the password '6789' is checked, and the financial transaction service is provided with the user's requested transaction amount limited to '1 million won maximum' (S17). In addition, by reading the stored report phone number '019-123-4567' associated with the password, it will automatically report the occurrence of the financial transaction accident (S18).

Accordingly, a personal mobile communication terminal 60 using the phone number may display a message indicating a 'financial transaction accident occurrence', as shown in FIG. 4, wherein the content of the screen is displayed to the accident party. Information about the corresponding customer name, the accident details, and the time of the accident may be displayed. Also, as detailed information, the current location information of the personal mobile communication terminal requesting the financial transaction service in an abnormal situation, or an automatic bank transaction terminal is installed. Location information and the like may be provided and displayed.

Meanwhile, the financial server 10 may automatically send a report phone to a public institution such as a police station or a financial supervisory agency, or may automatically transmit a report message through the Internet. The financial server 10 stores and manages the transaction contents limitedly provided in the abnormal situation as distinguished from the general transaction contents (S19).

As described above, the preferred embodiment of the present invention has been disclosed for the purpose of illustration, and the personal mobile communication terminal may be replaced with a personal computer connected and connected through the Internet, and also for electronic commerce or the like requiring a password. Also applicable, those skilled in the art will be able to improve, change, replace or add various other embodiments within the spirit and scope of the present invention disclosed in the appended claims.

Financial transaction restriction and incident occurrence reporting method using a plurality of passwords according to the present invention as described above, when a financial transaction request, such as deposit withdrawal or bank transfer, a unique password for identifying the user, a plurality of different In the case of assigning a password and using one of the predetermined passwords for the restriction of the transaction, the financial transaction service will be provided. By automatically reporting to a specific person or a specific institution, a user who is forced to request a financial transaction service by a third party's coercion or intimidation may use any one of the passwords assigned to the user to limit the transaction. In order to limit the amount of transactions To ensure the automatic notification, a very useful inventions that are able to minimize the financial transactions accident.

Claims (11)

Checking whether a password received from a terminal connected through a communication network is any one password set as a transaction restriction among a plurality of passwords previously assigned to confirm a user's identity; And And a second step of selectively limiting the financial transaction service requested from the terminal according to the verification result. The method of claim 1, In the second step, when the received password is not a password set as a transaction restriction, the financial transaction restriction method using a plurality of passwords, characterized in that to normally provide a financial transaction service requested from the terminal. The method of claim 1, In the second step, when the received password is a password set as a transaction restriction, the financial transaction restriction method using a plurality of passwords, characterized in that to limit the transaction amount of the financial transaction service requested from the terminal. The method of claim 3, wherein When limiting the transaction amount, the transaction facts further comprises the step of reporting to a specific person or a specific institution set in advance, characterized in that the financial transaction using a plurality of passwords. The method of claim 3, wherein When limiting the transaction amount, the financial transaction restriction method using a plurality of passwords, characterized in that further comprising the step of storing and managing the transaction content to distinguish from the normal transaction. The method of claim 1, The password set as the transaction restriction, financial transaction restriction method using a plurality of passwords, characterized in that the information on the transaction limit amount is stored in association. The method of claim 6, The password set as the transaction restriction, financial transaction restriction method using a plurality of passwords, characterized in that the contact information for a specific person or a specific institution for reporting the transaction facts are stored in association. The method of claim 1, And the plurality of passwords are linked and stored in one account number, respectively. Checking whether a password received from a terminal connected through a communication network is any one password set as a transaction restriction among a plurality of passwords previously assigned to confirm a user's identity; And If the password is set as a result of the check, the financial transaction incident occurrence reporting method using a plurality of passwords, characterized in that it comprises a second step of notifying the occurrence of the accident to a specific person or a specific institution set in advance. The method of claim 9, In the second step, by limiting the transaction amount of the financial transaction service requested from the terminal, the financial transaction is provided, and at the same time, the contents of the transaction are notified to a predetermined person or a specific institution. How to report a transaction incident. The method of claim 9, In the second step, a method of reporting a financial transaction accident occurrence using a plurality of passwords, in which an accident content including at least one of the accident occurrence time, place, or trader's name is notified to a specific person or a specific institution set in advance. .