KR20040078848A - Method for approving a settlement of a finance transaction using a mobile terminal and computer readable record medium on which a program therefor is recorded - Google Patents

Abstract

PURPOSE: A method for approving a financial transaction settlement by using a mobile communication terminal and a recording medium readably by a computer where a program therefor is recorded are provided to transmit a character string for informing a user that a financial transaction is started, including a password inputted from a mobile communication terminal, and to stably conduct a settlement for a product only when the user recognizes the transaction, thereby increasing reliability. CONSTITUTION: A user information DB is constructed by using a character string and a mobile communication terminal number(S100). A system inputs the character string, and stores the character string with the mobile communication terminal number in the user information DB(S108). The system decides whether an authentication request signal of a user is inputted to request financial transaction information to be settled(S110). If so, the system inquires about the character string and the mobile communication terminal number, decides whether a password of the character string is normal, and if so, the system supports the settlement of a financial transaction(S116).

Description

METHOD FOR APPROVING A SETTLEMENT OF A FINANCE TRANSACTION USING A MOBILE TERMINAL AND COMPUTER READABLE RECORD MEDIUM ON WHICH A PROGRAM THEREFOR IS RECORDED}

The present invention relates to a financial transaction settlement approval method using a mobile communication terminal and a computer-readable recording medium recording the program, including a password input from the mobile communication terminal for deposit withdrawal and secure use of a credit card. To provide a secure financial transaction environment for both financial institutions and financial institution users for deposit withdrawal and payment for goods purchased with credit cards by performing authentication process stably using a string indicating the start of transaction and the mobile communication terminal of the caller. The present invention relates to a financial transaction settlement method using a mobile communication terminal and a computer-readable recording medium recording the program.

Recently, fraudulent transactions by criminals have occurred without the user's knowledge even though the deposit account withdrawal of a deposit account or a credit transaction using a credit card is maintained with a security system such as a password, an authentication number, and a transaction approval number.

In addition, various security systems used for transactional safety during daily financial transactions, such as one's neglect of management, information leakage by insiders of financial institutions, information leakage by telecommunication line eavesdropping, etc. The leak of numbers exposes you to the risk of illegal fraudulent transactions.

In addition, when a credit card is lost or stolen, there is always a possibility of illegal fraudulent transactions in the process of recognizing the loss and reporting an accident.

If this happens, the financial institution or card issuer may be fully compensated without damages to the account holder or cardholder, but it is difficult to prove that it is the offender's offense to deal with a transaction that occurs after the loss. It is very difficult to prove that I did not use it.

In addition, when a credit card information is illegally copied by a professional criminal and used in a fraudulent transaction, there are various problems that occur to a credit card holder, a card issuer, and a trading partner who has dealt with an offender. To overcome this, a secure authentication procedure is urgently needed.

The present invention has been made to solve the above problems, the purpose of which is a string and a caller's mobile communication terminal indicating the start of the financial transaction, including the password received from the mobile communication terminal for deposit withdrawal and secure use of the credit card Payment transaction approval method and a program that records the program using a mobile communication terminal to ensure that payment can be made with deposit and payment for goods purchased with a credit card in a situation that the payer can recognize using the number. To provide a recording medium.

1 is a block diagram illustrating the overall configuration of a financial transaction settlement approval system using a mobile communication terminal according to an embodiment of the present invention;

2 is a block diagram illustrating a payment approval management server of FIG. 1;

3 is a flowchart illustrating a financial transaction settlement approval method using a mobile communication terminal according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

10: mobile communication terminal 20: information communication network

30: payment approval management server

40: financial institution and credit card company management server 41: financial information DB

Financial transaction settlement method using a mobile communication terminal according to an aspect of the present invention for achieving the above object, (a) to construct a user information DB using a string and a mobile communication terminal number indicating the start of at least one financial transaction. Doing; (b) receiving a string indicating the start of a financial transaction from a mobile communication terminal which has made a communication connection through an information communication network, and storing the received string and the caller's mobile communication terminal number in a user information DB; (c) determining whether an authentication request signal of a user requesting payment of financial transaction information is input after a string for initiating financial transaction for authentication is registered through step (b); And (d) a string and a mobile communication terminal number indicating the start of the financial transaction to perform the authentication of the requested user when the authentication request signal of the user who requested the payment of the financial transaction information is input through the step (c). It is characterized in that it comprises a step of retrieving from the user information DB, and determines whether the password of the searched string is normal to support the payment processing of the requested financial transaction if the password is normal.

Preferably, the step (d) is characterized in that it further comprises the step of (d-1) transmitting a message informing that there is a risk when the password inquired from the user information DB is in reverse order.

More preferably, the step (b) is characterized in that the character string for inputting the financial transaction start received from the mobile communication terminal is used once to be automatically deleted.

The computer-readable recording medium recording the financial transaction settlement approval program using the mobile communication terminal according to another aspect of the present invention, (A) the user using a string and the mobile communication terminal number indicating the start of at least one financial transaction; A process of building an information DB; (B) a process of receiving a string indicating the start of a financial transaction from a mobile communication terminal which has made a communication connection through an information communication network, and storing the received string and the caller's mobile communication terminal number in a user information DB; (C) a process of determining whether an authentication request signal of a user requesting payment of financial transaction information is input after a string indicating the start of financial transaction for authentication is registered through the process (B); And (D) when the authentication request signal of the user who requested the payment of the financial transaction information is input through the process (C), the string and the mobile terminal number indicating the start of the financial transaction to perform the authentication of the requested user It is characterized in that it comprises a process for retrieving from the user information DB, and determines whether the password of the searched string is normal to support the payment processing of the requested financial transaction if the password is normal.

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

The present invention below can easily determine whether the user to pay through a string indicating the start of the financial transaction including the password received from the mobile communication terminal, as well as using a mobile communication terminal to securely settle the payment amount The method for approving a financial transaction settlement and a computer-readable recording medium recording the program will be described as a preferred embodiment. Of course.

Further, preferred embodiments of the present invention include embodiments such as computer systems and computer program products programmed to carry out the methods of the present invention. According to an embodiment of a computer system, a set of instructions for carrying out a method resides in one or more memories (RAM), which sets of other computer memory, such as, for example, disk drives, until needed by the computer system. Can be stored as a computer program product.

The financial transaction settlement approval method using the mobile communication terminal according to an embodiment of the present invention will be described in detail with reference to FIGS. 1 to 3 as follows.

1 is a block diagram for explaining the overall configuration of the financial transaction settlement approval system using a mobile communication terminal according to an embodiment of the present invention, Figure 2 is a block diagram for explaining the payment approval management server of FIG. 3 is a flowchart illustrating a financial transaction settlement approval method using a mobile communication terminal according to an embodiment of the present invention.

Referring to Figure 1, the financial transaction settlement approval system using a mobile communication terminal according to an embodiment of the present invention is a character string indicating the start of the financial transaction from the mobile communication terminal 10 made a communication connection through the information communication network (20) {For example, mobile communication identification number (01X) + special characters (*) + password (NNNN)) received and stored in the user information DB (37) with the mobile terminal number and the financial transaction information from the user If the payment request signal is input to the financial institution and the credit card company management server 40, the query string and the mobile communication terminal number indicating the start of the financial transaction of the user who requested the payment from the user information DB, if there is an inquiry result if there exists It consists of a payment approval management server 30 to support the payment processing of the financial transaction. In this case, the password means PASSWORD of the member registration information received according to the membership registration procedure to access the site.

The mobile communication terminal 10 includes a mobile phone capable of wireless Internet communication, a personal digital assistant (PDA), an IMT2000, and the like.

The information communication network 20 includes an Internet network using a TCP / IP protocol that can be wired and a WAP protocol that can be wirelessly connected.

The payment approval management server 30 operates a button key from the mobile communication terminal 10 that has made a communication connection through the information and communication network 20 (for example, a mobile communication identification number (01X). + Special character (*) + password (NNNN)}, if the call button is selected, the input character string and the caller's mobile terminal number (for example, 01X-XXXX-XXXX, etc.) user information DB (37) are classified and stored in the mobile communication terminal number for management. At this time, the information stored in the user information DB 37 is information for deposit withdrawal and secure use of a credit card.

In the present embodiment, but described as the mobile communication identification number (01X) of the string indicating the start of the financial transaction, it is also applicable to the mobile communication identification number (010 + 2X) to be changed. At this time, the string indicating the start of the financial transaction after the change is a mobile communication identification number (010 + 2X) + special characters (*) + password (NNNN).

In addition, the payment approval management server 30 receives a string indicating the start of a financial transaction through the mobile communication terminal 10, and when a payment request signal for financial transaction information is input, in response to the input request signal. From the user information DB 37, the password (member's PASSWORD) of the character string indicating the start of the financial transaction is searched to determine whether the search result exists. If the search result exists, the password is normally matched, and then the normal password ( For example, 1234) allows the requested financial transaction information to be processed for payment. In this case, if the inquired password is reverse order, that is, the reverse password (for example, 4321), a message indicating an emergency situation notifying the danger of personal information may be transmitted to the related organization to cope with this.

In addition, the payment approval management server 30 automatically performs the one-time payment processing based on a string indicating the start of the financial transaction received from the mobile communication terminal 10, the corresponding information stored in the user information DB 37 automatically. To be deleted. At this time, if there is no request for payment of financial transaction information within a certain time after the registration of approval, the approval is automatically terminated to prevent an accident, and the mobile communication terminal 10 transmits a text message indicating that the approval registration is automatically terminated.

On the other hand, the payment approval management server 30 is a user information input module 31, financial payment information input module 32, authentication information inquiry module 33, authentication result providing module 34, message transmission module 35 , Payment information processing module 36 and user information DB 37.

Referring to FIG. 2, the payment information management server 30 will be described. The user information input module 31 may operate a password by operating a button key from a mobile communication terminal 10 that has made a communication connection through an information communication network 20. If the call (SEND) button is selected after receiving a string indicating the start of the financial transaction, the string including the received password and the mobile terminal number of the caller (for example, 01X-XXXX-XXXX, etc.) To be registered from the user information DB 37 or registered if new.

At this time, if a string including a password is input from the mobile communication terminal 10 which has made a communication connection through the information communication network 20, it is determined whether the caller's mobile communication terminal number having entered the string exists. If the search result does not exist, the new registration is made in the user information DB 37 without a separate user new registration procedure.

In addition, if you want to change the password, the character string {for example, mobile communication identification number (01X or 010 + 2X) + special characters (*) + new password (NNNN) + special characters (from the mobile communication terminal 10) *) + Existing password (NNNN)}, the mobile terminal number of the caller requested to change the query to determine whether the existing existing password is stored in the user information DB (37), if stored After transmitting a message indicating that the change is completed with a password, the received new password is stored and managed in correspondence with the corresponding mobile communication terminal number in the user information DB 37. If the existing password does not match, the password is reset again. Send a prompt for input.

The financial settlement information input module 32 receives a financial transaction payment request signal from a mobile communication terminal 10 that has made a communication connection through the information communication network 20 to a financial institution and a credit card company management server 40 or is offline. When the financial transaction payment request signal is inputted from the terminal of the financial institution manager to the financial institution, the financial transaction information (for example, the name of the payer and the mobile terminal number, the amount to be paid, and the account) in response to the input request signal. Number, name, etc.).

Then, the authentication information inquiry module 33 is a string indicating the start of the financial transaction including the password from the mobile communication terminal 10 for the authentication of the user to pay based on the mobile communication terminal number of the input financial transaction information It is inquired from the user information DB 37 whether it has been input.

Thereafter, the authentication result providing module 34 determines whether there is a result that is inquired through the authentication information inquiry module 33, and if there is an inquiry result, provides an authentication result including validation information. . In this case, if there is no result queried from the user information DB 37, a transaction impossible message is transmitted, and if a password is matched in the reverse order, a message indicating an emergency situation notifying the risk of personal information is transmitted to a related authority to cope with this. To help.

The message transmission module 35 receives a payment request for financial transaction information within a predetermined time period after receiving a string indicating a start of a financial transaction including a password from the mobile communication terminal 10 that has made a communication connection through the information communication network 20. If no signal is input, the approval is automatically terminated to prevent accidents, and a message indicating that the approval registration is automatically terminated is transmitted to the mobile communication terminal 10 for which authentication is requested.

The payment information processing module 36 supports the payment transaction processing of the financial transaction information when the authentication is normally performed through the authentication result providing module 34.

Referring now to the financial transaction settlement method using a mobile communication terminal according to an embodiment of the present invention with reference to Figure 3, the user authentication server 40 is a financial input received from at least one mobile communication terminal (10) Receives a string indicating the start of the transaction, and builds the user information DB 37 using the received string and the caller's mobile communication terminal number (S100).

Thereafter, the payment approval management server 30 makes a communication connection with the mobile communication terminal 10 through the information communication network 20 (S102). At this time, when the mobile telephone exchange station (not shown) receives the string information received from the mobile communication terminal 10 through the data link with the mobile telephone base station, it is determined whether the received information is a string, and if it is determined as a string, the calling terminal With the number of is received through the information communication network 20 is transmitted to the payment approval management server 30.

The payment approval management server 30 determines whether a call request signal is input from the mobile communication terminal 10 which has made a communication connection through the information communication network 20 (S104). As a result of the determination in step S104, if a call request signal is not input from the mobile communication terminal 10, the process ends.

As a result of the determination in step S104, when a call request signal is input from the mobile communication terminal 10, the payment approval management server 30 operates the mobile communication terminal 10 from the user to operate the finance before inputting the call button. A string indicating a transaction start (for example, mobile communication identification number (01X or 010 + 2X) + special character (*) + password (NNNN)) is received (S106).

Then, the payment approval management server 30 stores and manages in the user information DB 37 together with the string indicating the start of the received financial transaction and the mobile communication terminal number of the caller (S108).

At this time, if a string including a password is input from the mobile communication terminal 10 which has made a communication connection through the information communication network 20, it is determined whether the caller's mobile communication terminal number having entered the string exists. If there is no result queried from), new registration is made in the user information DB 37 without a separate user new registration procedure.

Thereafter, the payment approval management server 30 determines whether an authentication request signal of a user who requests payment of financial transaction information is input (S110).

As a result of the determination in step S110, when the authentication request signal of the user who requests payment of the financial transaction information is not input, the standby state is maintained for a predetermined time. However, if there is no request for payment of financial transaction information within a certain time after the registration of approval, the approval is automatically terminated to prevent an accident, and the mobile communication terminal 10 transmits a text message indicating that the approval registration is automatically terminated.

As a result of the determination in step S110, when an authentication request signal of a user requesting payment of financial transaction information is input, the payment approval management server 30 includes a password based on the mobile communication terminal number of the user who requested the authentication. It is inquired from the user information DB 37 whether a character string indicating the start of a financial transaction is input (S112).

The payment approval management server 30 determines whether the password is the normal password among the inquired strings (S114). As a result of the determination in step S114, if the inquired password is not a normal password, the payment approval management server 30 determines whether or not the password in the reverse order (S115).

As a result of the determination in step S115, if the password is not the reverse order, the payment approval management server 30 transmits a transaction impossible message (S119), and ends the process.

As a result of the determination in step S115, in the reverse order of the password, the payment approval management server 30 transmits a message informing the user of the danger to the relevant institution (S117) to easily cope with the financial institution and the credit card company receiving the transmitted message. To help.

As a result of the determination in step S114, if the retrieved password is a normal password, the payment approval management server 30 supports the financial transaction information requested for payment from the financial institution and credit card company management server 40 (S116). .

In this way, it is possible to easily authenticate the payer when depositing withdrawal or payment by credit card to provide a secure financial transaction environment.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention can be recognized by the payer using a string indicating the start of the financial transaction including the password received from the mobile communication terminal and the caller's mobile terminal number for deposit withdrawal and secure use of the credit card. Only with certain circumstances, withdrawal and payment for goods purchased with a credit card can be made stable.

In addition, the present invention is not only stably authenticated by the indication that the start of the financial transaction is input with a password, but also has an effect that can not be connected to the illegal leakage of credit information, illegal copying and illegal fraudulent financial transactions.

In addition, the present invention has the effect of increasing the reliability between the user and the financial institution by making a payment for the financial transaction in a situation that can be recognized by the payer.

Claims (4)

(a) constructing a user information DB using a string indicating the start of at least one financial transaction and a mobile communication terminal number (S100); (b) receiving a character string notifying the start of the financial transaction from the mobile communication terminal which has made a communication connection through the information communication network, and storing the received character string and the caller's mobile communication terminal number in the user information DB (S108); (c) determining whether an authentication request signal of a user requesting payment of the financial transaction information is input after the string indicating the start of the financial transaction for authentication is registered through step (b); And (d) When the authentication request signal of the user who requested the payment of the financial transaction information is input through the step (c), a string and a mobile communication terminal number indicating the start of the financial transaction are performed to perform the authentication of the user who requested the payment. Inquiring from the user information DB, and determines whether the password of the query string is normal, and if it is a normal password to support the payment processing of the financial transaction requested payment (S116) using a mobile communication terminal, characterized in that How to approve financial transactions. The method of claim 1, wherein step (d) (d-1) The financial transaction payment approval using the mobile communication terminal further comprises the step (S117) of transmitting a message informing that there is a risk of personal security when the password inquired from the user information DB is in reverse order. Way. According to claim 1, wherein step (b), The financial transaction settlement approval method using a mobile communication terminal, characterized in that the input received from the mobile communication terminal is stored in the user information DB to start the financial transaction once used automatically. (A) a process of building a user information DB using a string indicating the start of at least one financial transaction and a mobile communication terminal number; (B) a process of receiving a string indicating the start of a financial transaction from a mobile communication terminal which has made a communication connection through an information communication network, and storing the received string and the caller's mobile communication terminal number in a user information DB; (C) a process of determining whether an authentication request signal of a user requesting payment of financial transaction information is input after a string indicating the start of financial transaction for authentication is registered through the process (B); And (D) When the authentication request signal of the user who requested the payment of the financial transaction information is input through the process (C), a string and a mobile communication terminal number indicating the start of the financial transaction are performed to perform the authentication of the user who requested the payment. Searching from the user information DB, and determining whether the password of the searched string is normal, if the normal password, the payment processing approval of the financial transaction using a mobile communication terminal comprising a process for supporting the payment processing of the financial transaction requested Computer-readable recording medium that records the program.