KR20050057763A - Method for approving paying-in and withdrawal transaction using short message in cellular phone - Google Patents

Abstract

The present invention relates to a deposit and withdrawal approval method using a short message in a mobile phone, and to secure a secured financial transaction by allowing a short message to authenticate the deposit and withdrawal details of an owner's financial account when depositing and withdrawing by automatic transfer. Doing. When a deposit or withdrawal occurs in a mobile phone user's financial account, the financial institution server sends the deposit and withdrawal details to the mobile phone in a short message, and the financial institution server processes the deposit and withdrawal by performing the user's approval of the deposit and withdrawal in the short message. The steps are made. Therefore, according to the present invention, it is possible to secure the financial transactions by allowing the deposit and withdrawal of the financial account to be authenticated using a short message.

Description

{Method for approving paying-in and withdrawal transaction using short message in cellular phone}

The present invention relates to a deposit and withdrawal approval method using a short message in a mobile phone, and more particularly, a method for making a secure deposit and withdrawal quickly by providing an authentication process using a short message indicating the details and approval status of a deposit and withdrawal transaction by another party. It is about.

Portable information terminals such as PDAs (Personal Digital Assistants) and HPCs (Hand-held PCs) are increasingly portable because they are easy to carry. Therefore, various functions such as electronic organizer, personal information management, and wireless internet are introduced for the convenience of users.

Of course, several functions for financial transactions for mobile phones are being introduced one after another. For example, if the purchase is made with a credit card or paid for food, the approval is provided as a short message. Can be mentioned.

If the proposed technology is described in this patent application No. 0038183 "credit card usage history real-time notification service method and credit card usage history management method" will be mentioned. Briefly, to understand this, it is as follows.

Requesting the card company to approve the card payment through the merchant terminal; and determining whether the card payment approval request is appropriate according to the payment approval request of the merchant, and disapproval information if the payment approval request is not appropriate. Transmitting the payment approval information to the terminal and the credit card management server of the merchant, and if the payment approval request is appropriate, the credit card management server transmits the received payment. Transmitting disapproval information or payment disapproval information to the mobile communication terminal; and generating a warning signal indicating that payment approval information or payment disapproval information has been transmitted; and when the alarm signal sounds, the user of the mobile communication terminal approves the payment. After confirming the information or the payment disapproval information, The program stored in the wallet a step of query statistics about the card usage over a period of time. Therefore, when the credit card payment approval is made from the credit card company, the credit card usage amount, credit card type, credit card number, merchant name, merchant address, and authorization number are transmitted to the mobile communication terminal through the wireless Internet or short text service of the mobile carrier. The card user can check the card payment approval in real time.

However, the proposed invention provides the user with a short message when the approval is made after the credit card is used, and additionally provides statistical information on the card usage history for a certain period of time.

Therefore, it is possible to verify and prevent accidents because the direct debit transaction by the owner is a transaction by one's own actions, but it is not suitable for malicious deposit and withdrawal transactions by other parties and the owner of the financial account to take immediate action against it. have.

The present invention has been made to solve the problems posed by the prior art, the purpose of the secured financial transactions to be made by authenticating the deposit and withdrawal details of the owner's financial account using a short message when withdrawal and withdrawal by automatic transfer. I am doing it.

The present invention provides a deposit and withdrawal approval method using a short message in a mobile phone to allow secure financial transactions by authenticating the deposit and withdrawal details of the owner's financial account using a short message when depositing and withdrawing by automatic transfer.

To this end, a network system for implementing an approval process for deposit and withdrawal includes: a mobile telephone which wirelessly connects to a base station and transmits and receives a signal; A base station for controlling the mobile telephone; A base station controller connected to the base station to control the base station and connected to the mobile communication switch; A mobile communication switch which connects a call from the base station controller to another switch or a local call, and connects the call through a switching operation to include a charge according to a talk time; Short message management server for transmitting a short message to the other party's mobile phone or financial management server; If the mobile phone user manages an account with the financial institution and the deposit and withdrawal is made from the account, the financial institution server is configured to transfer the information to the mobile phone user and obtain approval to process the deposit and withdrawal.

Therefore, when a withdrawal request is made using a network system having the above components, the financial institution server checks whether the withdrawal request requires authentication, and if no authentication is required, the financial institution server withdraws the corresponding account. Performing an account transfer and generating a message; if authentication is required, a financial institution server generating a withdrawal authentication message; transmitting, by the financial institution server, the message to a mobile phone; Receiving the withdrawal approval of the withdrawal authorization, the financial institution server to confirm whether the withdrawal approval, if the withdrawal approval, the financial institution server withdraws the withdrawal to the corresponding account, if the withdrawal is rejected Short text in a mobile phone, including the step of canceling the withdrawal transfer to the account by the financial institution server The deposit and withdrawal methods approved by the message are implemented.

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

1 is a network configuration for implementing a deposit and withdrawal approval using a short message according to the present invention, which is regarded as an important component of the mobile phone 100, the base station 110, the base station controller 120, the mobile communication exchange ( 130, the short message management 140, the communication network 150, the financial institution server 160, and the like.

The mobile phone 100 is illustrated in FIG. 2, which includes a control unit 200, a keypad 210, a display unit 220, a memory unit 230, an audio conversion unit 240, a wireless circuit unit 250, and the like. Components and the like. Referring to the operation of the mobile phone having such a structure as follows.

The control unit 200 controls and controls the function of the mobile phone, and exchanges signals with the components and performs a user's command.

 The keypad 210 is composed of a function button for executing a function and a general button only for inputting letters or numbers, and serves as an input means for transmitting a user's command to the controller 200.

The display unit 220 provides various information screens under the control of the controller 200.

The memory unit 230 stores a program for driving a function processed by the controller 200, a predetermined program for implementing convenience and basic functions of a user, and the like.

The audio converter 240 processes the voice recorded by the user of the mobile phone through the microphone as data and transmits it to the controller 200 or processes the data received from the outside to output analog voice through the speaker. In charge.

The wireless circuit unit 250 transmits and receives a signal in real time with the base station 120 and receives a telephone call or a text message sent by an external telephone through an antenna and transmits it to the controller 200, or is stored in the memory unit 230. It performs the function of sending the existing data.

The base station 210 is a form of a fixed station and controls a mobile communication terminal 200 by wirelessly connecting with a personal mobile communication subscriber of a corresponding area.

The base station controller 220 is connected to the base station 210 to control the base station and is connected to the mobile communication switching center through a controller matching process in the mobile communication switching center 230.

The mobile communication switching center 230 connects the call coming from the base station controller 220 to the local exchange in the case of another exchange or its own call, and connects the call through a switching operation to perform charging according to the talk time.

The short message management server 240 transmits the short message transmitted from the mobile communication terminal 200 to the counterpart's mobile communication terminal. Of course, the mobile communication terminal 210 of the receiver is provided with a short message DB 242 for storing the short message until the reception is possible in the state that can not receive the short message, which is a short message in an abnormal state It is for storing and sending to the corresponding recipient.

In addition, the short message management server 240 is provided with a subscriber information DB 341 for subscription information of a mobile terminal subscriber.

The communication network 150 is a network that connects the short message management server 140 to the financial institution server 160, and may be made of a dedicated line or a mobile or mobile network.

The financial institution server 160 manages an account that the mobile phone user has in the financial institution. When the deposit and withdrawal is made from the account, the financial institution server 160 transfers the information to the mobile phone user and obtains approval to process the deposit and withdrawal. Therefore, the financial institution server 160 includes a member DB 161 for storing detailed information about the user and a transaction history DB 162 for recording a transaction history for the account opened by the user.

In this network system, the approval process for the deposit and withdrawal is implemented, and FIG. 3 is a flowchart showing a process for approving the deposit and withdrawal using a short message according to the present invention. That is, when the deposit and withdrawal occurs in the financial account of the mobile phone user, the financial institution server 160 transmits the deposit and withdrawal details to the mobile phone as a short message so that the user performs the approval of the deposit and withdrawal in the short message. Step 160 is to process the deposit and withdrawal. The process of approving such deposit and withdrawal is as follows.

In general, a user who opens a financial account in a financial transaction registers an automatic account transfer, so that money is transferred to a specified date and another designated account, thereby reducing inconvenience. Therefore, if there is a withdrawal request from an account that is not registered, the account holder needs to check who is requesting the withdrawal.

That is, when a withdrawal request for a predetermined amount from a certain account reaches the financial institution server 160 (S300), the financial institution server 160 confirms whether the account that requested the withdrawal is registered by the user. It is determined whether authentication is required (step S310).

If the withdrawal request is made from an account that is not registered in the authentication necessity check, the financial institution server 160 generates a withdrawal authentication whether or not the user can determine whether to approve or not (step S311).

On the contrary, if the withdrawal request is made from the account registered in the authentication necessity check, the financial institution server 160 executes the withdrawal account transfer and transfers the requested amount to the corresponding account requesting withdrawal from the account of the mobile phone user (step) S320). When the withdrawal is made, the financial institution server 160 generates the withdrawn transaction details as a message (step S321).

If the short message is generated through the above process, the financial management server 160 transmits it to the account holder's mobile phone 100 (step S330).

Therefore, the short message reaches the mobile phone 100 over the short message management server 140 (step S340).

When the short message arrives, the mobile phone 100 displays the message arrival notification in a manner set in the terminal. That is, an alarm is displayed by vibration or sound, and a text indicating that the message has arrived on the display unit 220 is output.

When the user opens the output short message using the cap 210, the mobile phone 100 displays the content of the short message in one of two formats. In other words, if the withdrawal authentication is required according to the message generated by the financial institution server 160, the withdrawal authentication is displayed (step S341). An example of such a screen is shown in FIG. 4B.

The user checks the withdrawal requestor, withdrawal amount, withdrawal account, etc. on the withdrawal authentication screen 430 and selects the withdrawal or approves withdrawal (step S342).

When the approval process is performed, the mobile phone 100 generates a short message including the content of the withdrawal approval and transmits it (step S343).

Of course, in contrast to the approval process described above, if the direct debit that requires no authentication in the short message display step is a registered transaction account according to the withdrawal result, the mobile phone 100 displays the withdrawal transaction history (step S350). ).

 When the short message of the withdrawal approval reaches the financial institution server 160 through the short message management server 140, the financial institution server 160 reads the short message to check whether the withdrawal request is approved. (Step S360).

If the withdrawal request is approved in the approval status check, the financial institution server 160 transfers the requested amount to the account that requested the withdrawal (step S361).

On the contrary, if the withdrawal request is rejected in the approval check, the financial institution server 160 cancels the withdrawal of the account (step S362). Therefore, the account transfer will not be made to the requested account.

A graphical representation of the process is shown in FIG. 4B. That is, when there is a withdrawal request, the withdrawal authentication screen 430 is provided to the user via the financial institution server 160, the short message management server 140, the wireless communication network 410, and the mobile phone 100. If the user selects whether to approve the withdrawal from the screen, the approval result is again passed to the financial institution server 160 via the short message management server 140.

4A is a data flow diagram illustrating a data processing process according to a deposit, and is similar to the process of displaying only a withdrawal result in the case of the registered account described above.

That is, when the deposit is made to the financial institution server 160 by the user of the mobile phone user, the short message management server 140, the wireless communication network 410, the mobile phone 100 through the deposit processing result screen 420 to the user Is provided.

The present invention has been described in detail with reference to the accompanying drawings and examples. However, the present invention is not limited to the specific embodiments, and those of ordinary skill in the art should recognize that many modifications and variations can be made without departing from the scope of the present invention. Therefore, the protection scope of the present invention will be preferably defined based on the appended claims.

According to the present invention, a secure financial transaction is possible by allowing a short message to authenticate the deposit and withdrawal details of the owner's financial account at the time of deposit and withdrawal by automatic transfer.

1 is a diagram illustrating a network for implementing deposit and withdrawal approval using a short message according to the present invention.

FIG. 2 is a circuit block diagram showing an internal configuration diagram of the mobile phone described in FIG.

3 is a flowchart showing a process of approving a deposit and withdrawal using a short message according to the present invention.

4A is a data flowchart showing a data processing process according to the deposit according to the present invention, and FIG. 4B is a data flowchart showing the data processing process according to the withdrawal.

Claims (2)

If there is a withdrawal request, the financial institution server checks whether the withdrawal request requires authentication; If no authentication is required, the financial institution server executes the withdrawal account transfer to the corresponding account and generates a message; If authentication is required, the financial institution server generates a withdrawal authentication message; The financial institution server transmitting the message to the mobile phone; Receiving a withdrawal approval of the withdrawal authentication from the mobile phone at the financial institution server; Checking, by the financial institution server, whether the withdrawal is approved; In the case of withdrawal approval, the step of withdrawing the withdrawal from the financial institution server to the corresponding account; If the withdrawal is rejected, the financial institution server cancels the withdrawal transfer to the account. Deposit and withdrawal approval method using a short message in a mobile phone comprising a. The method of claim 1, When the deposit is made to the financial institution server, the financial institution server further comprises the step of notifying the deposit details to the mobile phone, the deposit and withdrawal approval method using a short message in the mobile phone.