KR20060109562A - Method for approving a settlement of a financetransaction depend on an outsider - Google Patents

Method for approving a settlement of a financetransaction depend on an outsider Download PDF

Info

Publication number
KR20060109562A
KR20060109562A KR1020050031686A KR20050031686A KR20060109562A KR 20060109562 A KR20060109562 A KR 20060109562A KR 1020050031686 A KR1020050031686 A KR 1020050031686A KR 20050031686 A KR20050031686 A KR 20050031686A KR 20060109562 A KR20060109562 A KR 20060109562A
Authority
KR
South Korea
Prior art keywords
financial transaction
party
information
approval
financial
Prior art date
Application number
KR1020050031686A
Other languages
Korean (ko)
Inventor
정관선
옥윤선
Original Assignee
정관선
옥윤선
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 정관선, 옥윤선 filed Critical 정관선
Priority to KR1020050031686A priority Critical patent/KR20060109562A/en
Publication of KR20060109562A publication Critical patent/KR20060109562A/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/50—Business processes related to the communications industry
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Technology Law (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Health & Medical Sciences (AREA)
  • General Health & Medical Sciences (AREA)
  • Human Resources & Organizations (AREA)
  • Primary Health Care (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method for performing financial transaction with approval of the third person by using a mobile terminal is provided to prevent financial accidents such as illegal credit card use, remittance, and withdrawal by making the third person preset from a user vicariously approve the financial transaction when the user performs the financial transaction. The user sets the third person for approving the financial transaction of the user to a management server of a financial institution(100). The third person information is stored to a database(200). Financial transaction information is received from a financial transaction terminal(300). The third person information preset by the user is read from the database(400). The current financial transaction information is transmitted to a mobile terminal of the third person based on the read third person information(600). If approval information is received, the financial transaction is approved and completed(900). If the approval information is not received or the third person refuses the financial transaction, the financial transaction is interrupted(1000).

Description

이동통신단말기를 이용한 제3자의 승인에 의한 금융거래방법{METHOD FOR APPROVING A SETTLEMENT OF A FINANCETRANSACTION DEPEND ON AN OUTSIDER}Financial transaction method by third party approval using mobile communication terminal {METHOD FOR APPROVING A SETTLEMENT OF A FINANCETRANSACTION DEPEND ON AN OUTSIDER}

도 1 - 본 발명 제3자의 승인에 의한 금융거래시스템의 블럭구성도.       1 is a block diagram of a financial transaction system approved by a third party of the present invention.

도 2 - 본 발명 제3자의 승인에 의한 금융거래방법의 제어흐름도.Figure 2-Control flow chart of the financial transaction method by the approval of the third party of the present invention.

*도면의 주요부분에 대한 부호의 설명* Explanation of symbols for main parts of the drawings

10: 금융거래용 단말기 20: 정보통신망 10: terminal for financial transactions 20: information and communication network

30: 금융거래기관 관리서버30: Financial transaction institution management server

31: 금융거래정보 전송모듈 32: 제3자승인정보 수신모듈 31: financial transaction information transmission module 32: third party approval information receiving module

33: 제3자 정보 데이터베이스(DB)33: Third Party Information Database

40: 제3자 이동통신단말기 50: 이동통신사40: third party mobile communication terminal 50: mobile carrier

본 발명은 이동통신단말기를 이용한 제3자의 승인에 의한 금융거래방법에 관한 것으로, 특히 송금과 대금결제, 신용카드 사용시 제3자에게 금융거래 내역을 알리고, 제3자가 자신의 이동통신단말기를 이용하여 거래당사자의 거래를 승인하도록 함으로써 보다 안전한 금융거래가 가능하도록 한 것이다.The present invention relates to a financial transaction method by the approval of a third party using a mobile communication terminal, in particular, when the remittance, payment, credit card used to inform the financial transaction details to the third party, the third party uses his mobile communication terminal In this way, by allowing the trading party to approve the transaction, more secure financial transactions are possible.

요즘의 모든 금융거래(예금인출이나 송금, 신용카드에 의한 거래)는 비밀번호, 인증번호, 거래승인번호 등의 다양한 보안체계에 의해 이루어지고 있음에도 범죄자가 거래당사자를 협박하거나, 심지어는 거래당사자를 죽이고 가로챈 카드와 비밀번호, 휴대폰 등으로 금융거래를 하는 경우에는 속수무책인 폐단을 갖는다.Although all financial transactions (deposits, wire transfers, and credit card transactions) are conducted by various security systems such as passwords, authentication numbers, and transaction approval numbers, criminals threaten or even kill trading parties. In case of financial transactions with intercepted cards, passwords, mobile phones, etc., there is no help for them.

본 발명은 거래당사자의 금융거래시 결제승인을 거래당사자가 아닌 거래당사자가 미리 설정해둔 제3자가 이동통신단말기로 대신하게 함으로써 타인의 범죄행위에 의해 거래당사자의 의지와 상관없이 이루어지는 카드 사용 및 송금, 금액인출 등과 같은 금융사고를 방지할 수 있도록 함으로써 범죄예방의 효과를 가질 수 있는 제3자의 승인에 의한 금융거래방법을 제공하기 위한 것이다.In the present invention, by allowing a third party, which is set by a trading party, not a trading party, to substitute a mobile communication terminal for approval of payment during the financial transaction of a trading party, the use and remittance of a card made regardless of the trading party's will by a criminal act of another person In order to prevent financial accidents such as the withdrawal of money, and withdrawal of money, it is to provide a financial transaction method with the approval of a third party that can have the effect of crime prevention.

상기의 목적을 달성하기 위한 본 발명 제3자의 승인에 의한 금융거래방법은, 먼저 금융거래를 원하는 거래당사자가 금융거래기관 관리서버에 자신의 금융거래에 대해 승인여부를 결정할 제3자를 설정하는 단계와, 제3자정보를 제3자 정보데이터 베이스(DB)에 저장하는 단계와, 금융 거래용 단말기로 부터 전송된 금융거래정보를 수신하는 단계와, 제3자 정보데이터베이스로 부터 해당 제3자를 정보를 읽어들이는 단계와, 상기 읽어들인 제3자 정보에 의해 통신망을 연결한 다음 현재의 금융거래정보를 제3자의 이동통신단말기로 전송하는 단계와, 제3자의 승인정보가 수신되면 금융거래를 인정하고 완료하는 단계와, 제3자의 승인정보가 수신되지 않거나 거부되면 거래를 중지하는 단계로 이루어짐을 특징으로 한다.In the financial transaction method according to the third party's approval of the present invention for achieving the above object, the first step is to set a third party to determine whether or not to approve the financial transaction in the financial transaction management server of the trading party who wants the financial transaction; And storing the third party information in a third party information database (DB), receiving the financial transaction information transmitted from the financial transaction terminal, and a corresponding third party from the third party information database. Reading the information, connecting the communication network by the read third party information, and then transmitting the current financial transaction information to a third party's mobile communication terminal; Acknowledging and completing the step, and stopping the transaction if the third party's approval information is not received or rejected.

이와 같이 구성된 본 발명을 첨부한 도면을 참조하여 상세히 설명하기로 한다.The present invention configured as described above will be described in detail with reference to the accompanying drawings.

도 1 은 본 발명을 수행하기 위한 제3자의 승인에 의한 금융거래시스템을 도시하기 위한 것으로, 금융거래용 단말기(10)는 신용카드나 계좌 이체 등과 같은 금융결제가 실질적으로 이루어지는 장치를 지칭하며, 예를 들면 신용카드가맹점의 단말기일 수도 있고, 은행 등의 단말기가 될 수 있으며, 현금입출금기가 될 수도 있다.1 is a view showing a financial transaction system with a third party's approval for carrying out the present invention. The financial transaction terminal 10 refers to an apparatus in which a financial settlement such as a credit card or a bank transfer is actually performed. For example, it may be a terminal of a credit card merchant, a terminal such as a bank, or a cash machine.

상기 금융거래용 단말기(10)는 금융 거래시 금융결제 승인을 위하여 금융거래기관 관리서버(30)간에 정보통신망(20)에 의해 연결되어 네트워크를 형성하게 된다. 따라서, 금융거래기관 관리서버(30)는 금융거래용 단말기(10)로 부터 금융 거래 정보를 제공받게 되는데, 상기 금융 거래 정보는 금융 업무의 종류, 금융 거래 액수, 금융 거래 장소 등이 될 수 있다. 이때 금융 업무의 종류로는 신용 카드 결제, 현금 인출, 계좌 이체 등이 될 것이다.The financial transaction terminal 10 is connected to the financial transaction institution management server 30 by the information communication network 20 to form a network for approval of financial settlement during financial transactions. Accordingly, the financial transaction management server 30 receives financial transaction information from the financial transaction terminal 10. The financial transaction information may be a type of financial affairs, a financial transaction amount, a financial transaction place, and the like. . At this time, the types of financial services will be credit card settlement, cash withdrawal, and bank transfer.

상기 금융거래기관 관리서버(30)는 금융거래용 단말기(10)로 부터 송신된 금융거래정보를 제3자 이동통신단말기(40)으로 전송하기 위한 금융거래정보 전송모듈(31)과, 제3자 이동통신단말기(40)로 부터 송신된 결제 승인 여부를 수신하기 위한 제3자 승인정보 수신모듈(32)과, 거래당사자가 금융거래 전에 금융거래기관 관리서버(30)에 제3자의 정보를 저장해두기 위한 제3자 정보데이터베이스(33)를 구비하고 있다. 이때 상기 제3자 정보는 거래당사자가 자신이 가장 신뢰할 수 있는 사람의 휴대폰 번호가 될 것이며, 상기 제3자의 정보는 거래당사자의 금융거래가 발생하기 전에 미리 금융거래기관 관리서버(30)의 제3자 정보데이터베이스(33)에 입력되어져야 한다.The financial transaction institution management server 30 and the financial transaction information transmission module 31 for transmitting the financial transaction information transmitted from the financial transaction terminal 10 to the third party mobile communication terminal 40, and the third The third party approval information receiving module 32 for receiving the payment approval transmitted from the mobile communication terminal 40 and the trading party sends the third party's information to the financial transaction management server 30 before the financial transaction. A third party information database 33 for storing is provided. In this case, the third party information will be a mobile phone number of the person who is most trusted by the trading party, and the third party information is the third of the financial transaction institution management server 30 before the financial transaction of the trading party occurs. It should be entered into the child information database 33.

상기 금융거래기관 관리서버(30)는 금융거래용 단말기(10)로 부터 송신된 거래당사자의 금융거래정보가 수신되면 제3자 정보데이터베이스(33)로 부터 제3자의 정보를 읽어오게되고, 상기 제3자 정보를 바탕으로 이동통신사(50)을 경유하여 제3자의 이동통신단말기(40)에 금융거래정보를 전송하게 된다.The financial transaction management server 30 reads the third party's information from the third party information database 33 when the financial transaction information of the trading party transmitted from the financial transaction terminal 10 is received. Based on the third party information, the financial transaction information is transmitted to the third party mobile communication terminal 40 via the mobile communication company 50.

제3자는 이동통신단말기(40)를 통해 전송된 거래당사자의 금융거래정보를 바탕으로 승인여부를 판단하여 결정한 다음 그 결정된 결과를 다시 금융거래기관 관리서버(30)로 전송하게 된다.The third party determines the approval based on the financial transaction information of the trading party transmitted through the mobile communication terminal 40, and then transmits the determined result to the financial transaction management server 30 again.

결국 상기 금융거래기관 관리서버(30)는 수신된 제3자의 승인정보를 바탕으로 승인되었으면 거래를 완료하도록 하고, 승인되지 않거나 거부되었으면 거래를 중지하도록 결정하게 된다.Eventually, the financial transaction management server 30 decides to complete the transaction if approved based on the received third party's approval information, and stops the transaction if not approved or rejected.

도 2에 도시된 본 발명 제3자의 승인에 의한 금융거래방법은 다음과 같은 단 계에 의해 이루어진다.The financial transaction method by the approval of the third party of the present invention shown in FIG. 2 is performed by the following steps.

먼저 상기 금융거래기관 관리서버(30)는 금융거래용 단말기(10)로 부터 전송된 거래당사자의 금융거래정보가 수신되어지면 미리 거래당사자에 의해 설정된 제3자의 정보를 제3자 정보데이터베이스(33)로 부터 읽어오게된다.(300단계,400단계)First, when the financial transaction information of the trading party transmitted from the financial transaction terminal 10 is received from the financial transaction institution management server 30, the third party information database 33 ) Is read from (300 steps and 400 steps).

다음 상기 금융거래기관 관리서버(30)는 해당하는 제3자의 이동통신단말기(40)의 전화번호에 의해 이동통신사(50)을 경유하여 상기 금융거래정보를 문자메시지로 전송하게 된다. 이는 금융거래정보 전송모듈(31)에 의해 이루어지게된다. (500단계,600단계)Next, the financial transaction management server 30 transmits the financial transaction information to the text message via the mobile communication company 50 by the phone number of the third party's mobile communication terminal 40. This is done by the financial transaction information transmission module 31. (500 steps, 600 steps)

상기 전송된 거래당사자의 금융거래정보에 의해 제3자는 요청된 결제를 승인할 것인가 말것인가를 판단하게 되고, 결정된 내역을 금융거래기관 관리서버(30)에 전송하게 된다. 이때 상기 승인정보의 전송은 제3자 이동통신단말기(40)에서 키입력 등을 통해 이루어지도록 함이 바람직하다.(700단계)The third party determines whether or not to approve the requested payment by the financial transaction information of the transaction party, and transmits the determined details to the financial transaction management server 30. In this case, the approval information may be transmitted through key input in the third party mobile communication terminal 40 (step 700).

상기 전송된 승인정보는 금융거래기관 관리서버(30)에 수신되어지고, 상기 수신된 승인정보는 제3자 승인정보 수신모듈(32)에 의해 판단되어지는데 승인일 경우에는 거래에 대한 결제가 이루어져 거래가 완료되도록 하며, 승인거부일 경우에는 거래가 중지되도록 한다.(800단계,900단계,1000단계)The transmitted approval information is received by the financial transaction institution management server 30, and the received approval information is determined by the third party approval information receiving module 32. In the case of approval, the payment is made for the transaction. The transaction is stopped if the approval is denied. (800, 900, 1000)

따라서 상기 금융거래기관 관리서버(30)는 수신된 제3자의 승인정보를 바탕으로 승인되었으면 거래를 완료하도록 하고, 승인되지 않거나 거부되었으면 거래를 중지하도록 결정하게 된다.Therefore, the financial transaction management server 30 determines to complete the transaction if approved based on the received third party's approval information, and stops the transaction if not approved or rejected.

상기와 같은 흐름을 갖는 본 발명은 거래가능한 금액의 한도를 미리 정해놓 고 그 이하 금액의 거래는 제3자에게 통지않도록 하고, 그 이상의 금액만 거래할 때 제3자가 승인여부를 결정하도록 함으로써 거래당사자와 제3자의 불편함을 좀 더 덜 수 있도록 구성할 수도 있다.In the present invention having the above-described flow, the trading amount is determined in advance, and the transaction of the amount less than that is not notified to the third party, and the third party decides whether to approve the transaction when the amount of the transaction is higher. It can also be configured to make the parties and third parties less comfortable.

이처럼 본 발명은 거래당사자와 결제 승인자를 달리함으로써 거래당사자가 원하지 않는 불법적인 거래가 이루어지지 않도록 하는 효과를 갖는다.As such, the present invention has an effect of preventing illegal transactions that the trading party does not want by making the transaction party and the settlement approver different.

Claims (1)

금융거래를 원하는 거래당사자가 금융거래기관 관리서버에 자신의 금융거래에 대해 승인여부를 결정할 제3자를 설정하는 단계와, 제3자정보를 제3자 정보데이터베이스(DB)에 저장하는 단계와, 금융 거래용 단말기로 부터 전송된 금융거래정보를 수신하는 단계와, 제3자 정보데이터베이스로 부터 해당 제3자를 정보를 읽어들이는 단계와, 상기 읽어들인 제3자 정보에 의해 통신망을 연결한 다음 현재의 금융거래정보를 제3자의 이동통신단말기로 전송하는 단계와, 제3자의 승인정보가 수신되면 금융거래를 인정하고 완료하는 단계와, 제3자의 승인정보가 수신되지 않거나 거부되면 거래를 중지하는 단계로 이루어짐을 특징으로 하는 이동통신단말기를 이용한 제3자의 승인에 의한 금융거래방법.Setting a third party to determine whether to approve a financial transaction on a financial transaction institution management server by a trading party who desires a financial transaction, storing third party information in a third party information database (DB); Receiving the financial transaction information transmitted from the financial transaction terminal, reading the third party information from the third party information database, and connecting the communication network by the read third party information. Transmitting the current financial transaction information to a third party's mobile communication terminal; acknowledging and completing the financial transaction if the third party's approval information is received; and stopping the transaction if the third party's approval information is not received or rejected. Financial transaction method by the approval of a third party using a mobile communication terminal, characterized in that consisting of.
KR1020050031686A 2005-04-15 2005-04-15 Method for approving a settlement of a financetransaction depend on an outsider KR20060109562A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020050031686A KR20060109562A (en) 2005-04-15 2005-04-15 Method for approving a settlement of a financetransaction depend on an outsider

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020050031686A KR20060109562A (en) 2005-04-15 2005-04-15 Method for approving a settlement of a financetransaction depend on an outsider

Publications (1)

Publication Number Publication Date
KR20060109562A true KR20060109562A (en) 2006-10-23

Family

ID=37615764

Family Applications (1)

Application Number Title Priority Date Filing Date
KR1020050031686A KR20060109562A (en) 2005-04-15 2005-04-15 Method for approving a settlement of a financetransaction depend on an outsider

Country Status (1)

Country Link
KR (1) KR20060109562A (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010129254A2 (en) * 2009-04-28 2010-11-11 Visa International Service Association System and method including indirect approval
KR20160101805A (en) 2015-02-17 2016-08-26 주식회사 씽크풀 Payment method for other person and payment authentication system thereof
KR20160110705A (en) 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof
KR20160110704A (en) 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof
KR20160110706A (en) 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof
WO2021080261A1 (en) * 2019-10-21 2021-04-29 윤성민 Financial transaction system and method thereof

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010129254A2 (en) * 2009-04-28 2010-11-11 Visa International Service Association System and method including indirect approval
WO2010129254A3 (en) * 2009-04-28 2011-02-03 Visa International Service Association System and method including indirect approval
US9916583B2 (en) 2009-04-28 2018-03-13 Visa International Service Association System and method including indirect approval
KR20160101805A (en) 2015-02-17 2016-08-26 주식회사 씽크풀 Payment method for other person and payment authentication system thereof
KR20160110705A (en) 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof
KR20160110704A (en) 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof
KR20160110706A (en) 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof
WO2021080261A1 (en) * 2019-10-21 2021-04-29 윤성민 Financial transaction system and method thereof

Similar Documents

Publication Publication Date Title
US10467621B2 (en) Secure authentication and payment system
RU2320014C2 (en) Electronic billing system
US7014107B2 (en) Wireless payment processing system
US7500602B2 (en) System for increasing the security of credit and debit cards transactions
US20060173776A1 (en) A Method of Authentication
US20100153276A1 (en) Method and system for online payment and identity confirmation with self-setting authentication fomula
RU2452020C2 (en) Method of making payments (versions) and system for realising said method
CN102197407A (en) System and method of secure payment transactions
CN107230068A (en) Use the method and system of viewable numbers currency chip card payout figure currency
JP2004506997A (en) Method and apparatus for transmitting an electronic amount from a fund memory
EP3616111B1 (en) System and method for generating access credentials
CN104854606A (en) System and method for funds transfer processing
JP2017505960A (en) Remittance system and method
CN104854614A (en) Real-time loan processing and loan fund
KR20060109562A (en) Method for approving a settlement of a financetransaction depend on an outsider
KR100325416B1 (en) Method of real time sattlement with Phone & Phone, and make use of short message service for second confirmation
RU2446467C1 (en) Method for ensuring secure mobile financial transactions in mobile communication networks (versions) and architecture for realising said method
US20040030642A1 (en) Method and arrangement for the transfer of an electronic sum of money from a credit store
US20040015688A1 (en) Interactive authentication process
WO2004019151A2 (en) Method and system for transfer of money via telecommunication network
JP2007025907A (en) Authentication system and authentication method
KR20010091827A (en) A remittance system via telecommunication terminal number and remittance method using the same
KR100864995B1 (en) A system and a method for banking service in which drawing one's savings from the bank is only possible with approval of the member
CA2475275C (en) Wireless data processing system for credit payment
RU2351984C2 (en) Method for money withdrawal from atm without application of plastic card by means of payment order via sms service

Legal Events

Date Code Title Description
A201 Request for examination
E902 Notification of reason for refusal
E601 Decision to refuse application