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

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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
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South Korea
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party
information
financial transaction
financial
person
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KR1020050031686A
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Korean (ko)
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옥윤선
정관선
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옥윤선
정관선
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Priority to KR1020050031686A priority Critical patent/KR20060109562A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/30Transportation; Communications
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04WWIRELESS COMMUNICATION NETWORKS
    • H04W12/00Security arrangements, e.g. access security or fraud detection; Authentication, e.g. verifying user identity or authorisation; Protecting privacy or anonymity ; Protecting confidentiality; Key management; Integrity; Mobile application security; Using identity modules; Secure pairing of devices; Context aware security; Lawful interception
    • H04W12/06Authentication

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} How financial transactions by authorized third party using a mobile communication terminal {METHOD FOR APPROVING A SETTLEMENT OF A FINANCETRANSACTION DEPEND ON AN OUTSIDER}

도 1 - 본 발명 제3자의 승인에 의한 금융거래시스템의 블럭구성도. Figure 1 - block diagram of the banking system according to the invention authorized third party FIG.

도 2 - 본 발명 제3자의 승인에 의한 금융거래방법의 제어흐름도. 2 - control flow chart of a financial transaction method according to the invention authorized third party.

*도면의 주요부분에 대한 부호의 설명 * Description of the Related Art

10: 금융거래용 단말기 20: 정보통신망 10: 20 devices for financial transactions: information network

30: 금융거래기관 관리서버 30: banking institutions management server

31: 금융거래정보 전송모듈 32: 제3자승인정보 수신모듈 31: Financial Transaction Reporting Module 32: third party approval information receiving module

33: 제3자 정보 데이터베이스(DB) 33: Third-party information database (DB)

40: 제3자 이동통신단말기 50: 이동통신사 40: the third-party mobile communication terminal 50: 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 announce financial transactions to any third party use, and more particularly remittances and payments, credit card on the banking method by approved third party using a mobile communication terminal, a third party using his mobile terminal and it will enable a more secure financial transactions by trading partners to accept the deal.

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. All financial transactions of these days (trading due to withdrawals or wire transfer, credit card) password, authentication code, despite being made by the various security systems, including transaction authorization number of criminals threatening the trading parties, or even kill a trading partner If the financial transaction intercepted by card and password, mobile phone, etc., which has helplessly evils.

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. The present invention is their financial transactions other than trading partners to payment authorization transactions the parties have pre-settings you my card made regardless of the will of the trading partner by others in the criminal act by the place of a third party mobile terminal use and transfer of the parties , it is to provide a method of financial transactions in the amount withdrawn approval of a third party which may have the effect of crime prevention by enabling you to avoid accidents such as finance.

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. Financial transaction method according to the authorized third party present invention for achieving the above object is, the step of setting third party first transaction desired financial transaction party to decide whether to approve for their banking transactions in financial transaction authority management server and, third party information to a third party information data base comprising: (DB) receiving step and, the financial transaction information transferred from the financial transaction terminal for storing in a third-party information, the third from the database those and that the step to read the information, wherein the connecting the network by reading, which are a third party the following current financial transaction information to a third party's mobile and sending to the communication terminal, when a third party authorization information is received financial transaction When the recognition stage is completed, and third party approvals are not received deny that features a made of an steps to stop the deal.

이와 같이 구성된 본 발명을 첨부한 도면을 참조하여 상세히 설명하기로 한다. Reference to the accompanying drawings, the present invention thus constructed will be described in detail.

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. Figure 1 and that, for showing a financial transaction system according to claim authorized third party for carrying out the present invention, the terminal 10 for financial transactions are referred to the device for which the financial settlement such as a credit card or bank account transfer substantially consisting of, for example, there may be a credit card merchant terminal, the terminal can be a bank, may be the ATM.

상기 금융거래용 단말기(10)는 금융 거래시 금융결제 승인을 위하여 금융거래기관 관리서버(30)간에 정보통신망(20)에 의해 연결되어 네트워크를 형성하게 된다. The terminal 10 for financial transactions are connected by the information communication network 20 between the banking institution managing server 30 to the financial payment authorization during financial transactions to form a network. 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. Thus, the banking institution management server (30) there is subject provides financial transaction information from the terminal (10) for the financial transaction, the financial transaction information can be this kind of banking, financial transaction amounts, financial transactions location, etc. . 이때 금융 업무의 종류로는 신용 카드 결제, 현금 인출, 계좌 이체 등이 될 것이다. At this time, as a kind of banking business will be like credit card payments, cash withdrawals, account transfers.

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. The banking institution managing server 30, the financial transaction information transmission module 31 for transmitting the financial transaction information sent from the terminal 10 for the financial transaction to the third party mobile communication terminal 40 and a third Here first and third party approved by the information receiving module 32 for receiving whether the transmitted payment authorization from the mobile communication terminal 40, the trading partner that before the financial transaction to the information of third parties to the financial transaction authority management server 30 and a store for placing third party information databases 33. 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. In this case, the third party information, the trading partner is the third will be the phone number of the person he most trusted, third-party information, transaction banking institutions management server 30 in advance before generating financial transactions of the party It should be input to the character 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 banking institution managing server 30 when the financial transaction information of a transaction party transmitted from the terminal 10 for financial transactions received and led to read the first information, a third party from a third-party-information database 33, the third-party information to the desktop via the carrier 50 transmits the financial transaction information to a third party's mobile terminal (40).

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 transmits the following the determined result of determination by determining whether to approve based on the financial transaction information of a transaction party transmitted through the mobile communication terminal 40 back into the banking institution managing server 30.

결국 상기 금융거래기관 관리서버(30)는 수신된 제3자의 승인정보를 바탕으로 승인되었으면 거래를 완료하도록 하고, 승인되지 않거나 거부되었으면 거래를 중지하도록 결정하게 된다. After all if the banking institution management server (30) if approval is denied based on the approval information received third-party and to complete the transaction, or not approved, it is determined to stop the deal.

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

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, the banking institution managing server 30 first the first information, a third party when the financial transaction information of a transaction party transmitted from the terminal 10 for the financial transaction is received is set in advance by the transaction party-party-information database (33 ) it is brought to a read (step 300, step 400)

다음 상기 금융거래기관 관리서버(30)는 해당하는 제3자의 이동통신단말기(40)의 전화번호에 의해 이동통신사(50)을 경유하여 상기 금융거래정보를 문자메시지로 전송하게 된다. Then the banking institution managing server 30 transmits the financial transaction information by way of the carrier 50 by the telephone number of a third party's mobile communications terminal 40 that corresponds to a text message. 이는 금융거래정보 전송모듈(31)에 의해 이루어지게된다. This will be written by the financial transaction information transmission module (31). (500단계,600단계) (Step 500, step 600)

상기 전송된 거래당사자의 금융거래정보에 의해 제3자는 요청된 결제를 승인할 것인가 말것인가를 판단하게 되고, 결정된 내역을 금융거래기관 관리서버(30)에 전송하게 된다. The by the financial transaction information of the transmitted transaction party and the third to determine whether to approve the billing request it will end, and transmits the determined historical financial transaction authority management server 30. 이때 상기 승인정보의 전송은 제3자 이동통신단말기(40)에서 키입력 등을 통해 이루어지도록 함이 바람직하다.(700단계) The transmission of the authorization information is preferably also to occur through the key input such as from a 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) If the transmitted authentication information is being received on a financial transaction authority management server 30, the received approval information makin is determined by a third party approved by the information receiving module 32, the approval date, the transaction is a payment for the transaction consists If, and to be completed, there will be declined so that the transaction is stopped (step, step 900, step 1000 800)

따라서 상기 금융거래기관 관리서버(30)는 수신된 제3자의 승인정보를 바탕으로 승인되었으면 거래를 완료하도록 하고, 승인되지 않거나 거부되었으면 거래를 중지하도록 결정하게 된다. Therefore, if the financial transaction authority management server 30 rejects if authorized based on the authentication information of the person receiving the third and to complete the transaction, or not approval is determined so as to stop the transaction.

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. The present invention, place predetermined limit of tradable amount transaction of less amount with the flow as described above deal by to determine the whether a third party authorized to deal a third party only to prevent the notification, and the amount more parties and the may be configured to be less more uncomfortable by third parties.

이처럼 본 발명은 거래당사자와 결제 승인자를 달리함으로써 거래당사자가 원하지 않는 불법적인 거래가 이루어지지 않도록 하는 효과를 갖는다. Thus, the present invention has the effect to prevent illegal transactions are transactions done by different parties do not want to deal with the billing party licensees.

Claims (1)

  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. And storing the desired transaction party financial transactions steps to set up a third party to decide whether to approve about their financial transactions in the banking institutions manage servers, third-party information to a third party information database (DB), the method comprising: receiving a financial transaction information transferred from the terminal for financial transaction, a third party information to the step from the database, read the third party information, connecting the network by the third party information, which are the read and then stop trading when sending the current financial transaction information of the mobile communication terminal by third parties and third party approvals are received when the steps to acknowledge the financial transactions and completed third-party approvals are not received rejection how financial transactions by a mobile communication terminal, characterized by comprising: a made of an authorized third party using.
KR1020050031686A 2005-04-15 2005-04-15 Method for approving a settlement of a financetransaction depend on an outsider KR20060109562A (en)

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Cited By (5)

* 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
KR20160110706A (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
KR20160110705A (en) 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof

Cited By (7)

* 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
KR20160110706A (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
KR20160110705A (en) 2015-03-11 2016-09-22 주식회사 씽크풀 Using method for mobile payment and payment service system thereof

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