KR20090095940A - System and Method for Non-faced Financial Transaction by Using Verification of Transaction Step and Program Recording Medium - Google Patents

Abstract

A non-facing method for financial transaction through a transactions stage verification providing a safe non-facing financial transaction, a system thereof and a recording medium therefore are provided to sense a request so that the funds of the bulk be transferred to the account of hacker. An information receiving unit(120) receives the N information of finance transactions from the terminal requesting the non-facing financial transaction. When the n information of finance transactions is received from the terminal, an information confirming unit(125) confirms the n comparative object information including one or more information which include the information of finance transactions from the terminal. An information transmitting unit(135) produces the n financial transaction valid information including the n comparative object information. The information transfer unit transmits the n financial transaction valid information with the terminal.

Description

System and Method for Non-faced Financial Transaction by Using Verification of Transaction Step and Program Recording Medium}

1 is a diagram illustrating an Internet banking system including a non-face-to-face security process through step-by-step comparison authentication of non-face-to-face transaction information according to an embodiment of the present invention.

2 is a diagram illustrating a process of connecting an internet banking-based financial transaction channel according to an embodiment of the present invention.

3 is a diagram illustrating a process of transmitting financial transaction information through non-face-to-face financial transactions through step-by-step comparison authentication of non-face-to-face transaction information according to an embodiment of the present invention.

4 is a diagram illustrating a non-face-to-face financial transaction process through step-by-step comparison authentication of non-face-to-face transaction information according to an embodiment of the present invention.

<Description of main parts of drawing>

100: Internet banking server 105: Web interface unit

110: web page operation unit 115: interface providing unit

120: information receiving unit 125: information checking unit

130: information storage unit 135: information transmission unit

140: information extraction unit 145: validation unit

150: ledger processing unit 155: financial transaction processing unit

160: storage medium 165: client terminal

The present invention includes receiving first financial transaction information including a deposit account number for checking a deposit account from a terminal during a wire transfer transaction through a non-face-to-face channel, and when checking the deposit account inquiry, the first Storing the deposit account number included in the financial transaction information in a storage medium; transmitting the inquired deposit account number to the terminal through the communication network; and depositing account for the process of account transfer from the terminal through the communication network. A non-face-to-face financial transaction method through verification of a transaction step including receiving second financial transaction information including a number and verifying the validity of a deposit account number included in the second financial transaction information in connection with the storage medium. It is about.

Due to the continuous development of information and communication technology, financial transactions previously made through face-to-face authentication have recently been transferred to non-face-to-face financial transactions using non-face-to-face authentication based on wired communication networks or wired communication networks. Financial transactions amount to KRW 18 trillion a day.

On the other hand, the non-face-to-face financial transactions, due to the non-face-to-face authentication characteristics that all financial transactions, including withdrawal and transfer of funds, in a non-face-to-face, and the security vulnerability of the vulnerability network of the browser that provides the non-face-to-face financial transaction channel, Although numerous security functions such as keyboard hacking security, security card, and one time password (OTP) have been added, the conventional security functions are exposed to security information through memory hacking or sniffing on a communication network of a customer terminal. If it is, the change of some of the information transmitted and received through the communication network includes a problem that is difficult to detect even if a request to transfer a large amount of funds to the hacker's account, and the transaction request is normal by the manipulated information as described above Contains the problem of dealing with a transaction request.

An object of the present invention for solving the problem is an information receiving means for receiving the n-th (1 <= n <N) to N-th financial transaction information from the terminal requesting a non-face-to-face financial transaction, and the n-th from the terminal Information confirmation means for confirming the n-th comparison target information including one or more information to be received from the terminal among the received n-th financial transaction information, including the next (n + 1) financial transaction information from the terminal upon receiving the financial transaction information. And information transmission means for generating and transmitting the n-th financial transaction confirmation information including the n-th comparison object information to the terminal and storing the n-th comparison object information in a storage medium. To provide a non-face-to-face financial transaction system.

In the non-face-to-face financial transaction method through the transaction step verification according to the present invention, during the bank transfer transaction through the non-face-to-face channel, receiving the first financial transaction information including the deposit account number for the deposit account inquiry from the terminal through the communication network And storing the deposit account number included in the first financial transaction information in a storage medium when the inquiry of the deposit account inquiry is made, and transmitting the inquired deposit account number to the terminal through the communication network; Receiving second financial transaction information including a deposit account number for bank transfer processing from the terminal through a communication network and confirming the validity of the deposit account number included in the second financial transaction information in connection with the storage medium; Characterized in that comprises a.

On the other hand, in the non-face-to-face financial transaction method through the verification of the transaction step according to the present invention, N (N> 1) times information transmission and reception is required, n (1 <= n <N from a terminal requesting a non-face-to-face financial transaction) ) To receive the N-th financial transaction information, and when receiving the n-th financial transaction information from the terminal, received from the terminal of the received n-th financial transaction information in the next (n + 1) financial transaction information; Confirming n-th comparison target information including one or more information to be stored; storing the n-th comparison target information on a storage medium, and generating n-th financial transaction confirmation information including the n-th comparison target information; Characterized in that comprises the step of transmitting to.

According to the present invention, the non-face-to-face financial transaction method through the verification of the transaction step, when receiving the (n + 1) financial transaction information from the terminal, confirming the n-th comparison target information in connection with the storage medium and Verifying the validity of the (n + 1) th financial transaction information by comparing the (n + 1) th comparison object information included in the received (n + 1) th financial transaction information with the nth comparison object information; Characterized in that further comprises a step.

According to the present invention, the financial transaction information is characterized in that it comprises information for requesting a bank transfer transaction.

According to the present invention, the comparison target information is characterized by including the transaction target account information through the non-face-to-face financial transactions.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording a program for executing a non-face-to-face financial transaction method through the verification of the transaction step described above.

On the other hand, the non-face-to-face financial transaction system through the transaction step verification according to the present invention, N (N> 1) times information transmission and reception is required, and n (1 <= n <N from a terminal requesting a non-face-to-face financial transaction) ) Through information receiving means for receiving the N-th financial transaction information, and when the n-th financial transaction information is received from the terminal, is included in the next (n + 1) financial transaction information from the terminal among the received n-th financial transaction information; Information confirmation means for confirming n-th comparison object information including one or more pieces of information to be received, and information transmission means for generating and transmitting n-th financial transaction confirmation information including the n-th comparison object information to the terminal; And information storage means for storing the n-th comparison object information in a storage medium.

According to the present invention, the non-face-to-face financial transaction system through the verification of the transaction step, when receiving the (n + 1) financial transaction information from the terminal, confirms the n-th comparison target information in association with the storage medium, Validity of checking the validity of the (n + 1) th financial transaction information by comparing the (n + 1) th comparison object information included in the received (n + 1) th financial transaction information with the nth comparison object information Characterized in that it further comprises a confirmation means.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. In other words, each means constituting the present invention is a server (or terminal) provided on the system shown in the following embodiments, or a predetermined functional configuration provided in at least one or more servers (or terminals), or at least It may be an association of at least two or more functional components provided in one or more servers (or terminals). In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an Internet banking system including a non-face-to-face security process through step-by-step comparison authentication of non-face-to-face transaction information according to an embodiment of the present invention.

In more detail, FIG. 1 shows N (N> 1) times of information by accessing the Internet banking server 100 using a Hyper-Text Transfer Protocol (HTTP) compatible protocol from a client terminal 165 having one or more browser programs. When a non-face-to-face financial transaction request is required for transmission and reception, the Internet banking server 100 includes n-th financial transaction confirmation information among n-th (1 <= n <N) financial transaction information received from the client terminal 165. After transmitting to the client terminal 165 to check the n-th comparison target information received through the (n + 1) financial transaction information and temporarily stored in the storage medium 160, from the client terminal 165 Upon receiving the (n + 1) th financial transaction information, extracting and comparing the (n + 1) th comparison target information matching the nth comparison target information from the (n + 1) th financial transaction information to obtain the (n + 1) th financial transaction information. +1) Interval that validates financial transaction information As a banking system configuration, those of ordinary skill in the art to which the present invention pertains include a non-face-to-face security process through step-by-step comparison authentication of the non-face-to-face transaction information by referring to and / or modifying the present invention. Various implementation methods for the Internet banking system configuration can be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing to provide non-face-to-face financial transactions through N (N> 1) times of transmission and reception of information other than the Internet banking system. Other non-face-to-face financial transaction systems (e.g., wireless banking systems, home banking systems, TV banking systems, etc.) may infer technical features that provide non-face-to-face security processing through step-by-step authentication of the non-face-to-face transaction information. It is apparent that the present invention targets all kinds of financial transaction systems that provide non-face-to-face financial transactions through N (N> 1) times of information transmission and reception.

In addition, those skilled in the art to which the present invention pertains, the technical features of the security processing through the encryption / decryption through the electronic certificate attached to the electronic signature in the Internet banking system shown in Figure 1 is familiar with Since there will be, the description of the security process through the public certificate in Figure 1 will be omitted for convenience, it will be apparent that the present invention includes a security process through the public certificate for granted.

Referring to FIG. 1 according to an embodiment of the present invention, an Internet banking system including non-face-to-face security processing through step-by-step comparison authentication of the non-face-to-face transaction information may include at least one browser program and security for the Internet banking. A module is provided, the client terminal 165 is connected to the Internet banking server 100 and the communication channel through the communication network, and is connected to the client terminal 165 through the communication network, to the client terminal 165 Provides a non-face-to-face financial transaction through N (N> 1) times of information transmission and reception, and, in the non-face-to-face financial transaction, the nth (1 <= n <N) financial transaction information received from the client terminal 165. n is included in the financial transaction confirmation information and transmitted to the client terminal 165, and then the n-th comparison target information received through the (n + 1) financial transaction information is confirmed and temporarily stored in the storage medium 160. After receiving the (n + 1) th financial transaction information from the client terminal 165, the (n + 1) th comparison object information matching the nth comparison object information from the (n + 1) th financial transaction information. And an internet banking server 100 having a function of verifying validity of the (n + 1) financial transaction information by extracting and comparing the financial transaction information, and a financial system that performs ledger processing for the non-face-to-face financial transaction. Characterized in that made.

However, in FIG. 1, the Internet banking server 100 is illustrated as one server for convenience. However, the present invention is not limited thereto, and the Internet banking server 100 may have two or more components for each component. It is possible to be implemented in the form of a server group, the present invention is characterized in that it comprises all the possible inference method.

The client terminal 165 is a wired communication network based on TCP / IP (for example, Asymmetric Digital Subscriber Line (ADSL) / Very High-Data Rate Digital Subscriber Line (VDSL), cable communication network). A mobile communication terminal including at least one wired terminal including a desktop computer or a laptop connected to the Internet banking server 100 or a mobile communication network connected to a code division multiple access (CDMA) based mobile communication network, or IEEE And at least one wireless terminal including at least one portable internet terminal connected to an 802.16x-based high-speed wireless internet, and at least one financial transaction interface for the non-face-to-face financial transaction through the communication network. A browser program for receiving and outputting a web page including Characterized in that where the lure.

Those skilled in the art will be familiar with the technical features of the client terminal 165 including one or more wired terminals or wireless terminals, and a detailed description thereof will be omitted for convenience. .

The financial system is a computerized system provided in the [financial institution] to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one of the accounting system that handles window services such as loans or receptions or trusts or foreign exchanges that occur at branches (or counters), the processing of headquarters operations, branch office information support, and customer information management; Interconnection between one or more other financial systems (or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) to access the financial system, and / or at least one And an external system that provides various non-face-to-face transaction interfaces through a common network (eg, a CD common network, a financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database for storing and managing the.

In addition, the financial system is subject to foreign exchange according to the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each [financial institution] equipped with the financial system and the purpose and characteristics of the financial system. At least one component such as a module (not shown), investment finance module (not shown), or international module (not shown) may be further included, and a person having ordinary knowledge in the technical field to which the present invention belongs. And, since it will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and thereby the present invention is not limited.

According to an embodiment of the present invention, the internet banking server 100 may include web page operation data including one or more web page sources and web contents for generating (or extracting) a web page to be provided to the client terminal 165. Characterized in that it comprises a database for storing, the database is characterized in that provided in the Database Management System (DBMS) associated with the Internet banking server (100).

According to an exemplary embodiment of the present invention, the web page source included in the web page operation data may include one or more tag strings for generating a web page to be provided from the internet banking server 100 to the client terminal 165. Or a combination of tag strings), one or more scripts to be included in the web page, and one or more information contents corresponding to the web page contents. In this case, the web page provided to the client terminal 165 may include: It is preferably generated by combining tag strings (or combinations of tag strings).

According to another exemplary embodiment of the present invention, the webpage source included in the webpage operation data may include a web document source file corresponding to a webpage to be provided from the internet banking server 100 to the client terminal 165. For example, a web document source file including one or more tag strings and scripts and information contents corresponding to the web page contents) may be included. In this case, the web pages provided to the client terminal 165 may include one or more web pages. Web document source files (e.g., web pages without frames, one web document source file, or, for web pages consisting of two or more frames, one frame web document source file and two or more web documents corresponding to each frame) Source file).

In addition, when the web content included in the webpage operation data includes a tag string linking one or more contents (for example, text content, image content, sound content, and multimedia content) among tag strings included in the webpage. And one or more text contents, image contents, sound contents, and multimedia contents corresponding to a tag string linking the contents.

Referring to FIG. 1, the Internet banking server 100 provides a web page to the client terminal 165 using an HTTP compatible protocol corresponding to the communication network, or based on a web page provided to the client terminal 165. It characterized in that it comprises a web interface unit 105 for connecting and managing a web interface for receiving (or selected) a variety of information input (or selected) from the client terminal 165.

According to an exemplary embodiment of the present invention, when the client terminal 165 is a wired terminal to which a communication channel is connected through a TCP / IP based wired communication network, the web interface unit 105 may communicate with the client terminal 165 and TCP / IP. A communication channel is connected and managed through an IP-based HTTP protocol, and a Hyper-Text Markup Language (HTML) compatible document (eg, * .htm, * .asp, * .xml) to the client terminal 165 through the communication channel. It is preferable to interface so that a web page of a form of) is provided or to receive information input from the client terminal 165 in a GET / POST manner.

According to another exemplary embodiment of the present invention, when the client terminal 165 is a wireless terminal in which a communication channel is connected through a CDMA / WCDMA based wireless communication network, the web interface unit 105 may communicate with the client terminal 165 and CDMA. A communication channel is connected and managed through an HTTP compatible protocol (eg, WAP (Wireless Application Protocol), or ME (Mobile Explorer), etc.) corresponding to the WCDMA-based wireless Internet protocol, and the client terminal 165 through the communication channel. It is preferable to interface so that a web page in the form of HTML compatible document (eg, * .wml, * .htm) is provided, or so that information input from the client terminal 165 is received in a GET / POST method. .

According to another exemplary embodiment of the present invention, when the client terminal 165 is a wireless terminal in which a communication channel is connected through an IEEE 802.16 based wireless communication network, the web interface unit 105 is connected to the client terminal 165 and the IEEE. A communication channel is connected and managed through an HTTP compatible protocol corresponding to an 802.16x based wireless Internet protocol, and an HTML compatible document (eg, * .htm, * .asp, *. It is preferable to interface so that a web page of xml) is provided or to receive information input from the client terminal 165 in a GET / POST manner.

Referring to FIG. 1, when the internet banking server 100 accesses the internet banking server 100 from the client terminal 165 through the web interface unit 105 (or a non-face-to-face financial transaction request), A web page operating unit 110 (or web page operating unit) for generating (or extracting) a web page to be provided to the client terminal 165 based on web page operating data, and the web page operating unit 110; At least one n (1) corresponding to the internet banking step corresponding to the requested non-face-to-face financial transaction (e.g., account inquiry, bank transfer, reserve fund, utility bill payment, etc.) on the generated (or extracted) web page in association. and an interface providing unit (or interface providing means) for processing to include <= n <N) to the N-th financial transaction interface, wherein the web page operation unit 110 is the web in In conjunction with the interface unit 105 is characterized in that processing to be provided to the client terminal 165. The web pages the generated (or extracted).

A client terminal 165 accesses the internet banking server 100 through the web interface unit 105 or a non-face-to-face financial transaction (eg, account inquiry, account transfer, reserve) for the internet banking server 100. , Bill payment, etc.), the webpage operation unit 110 provides a webpage link to be provided to the client terminal 165 in response to the internet banking server 100 connection (or a non-face-to-face financial transaction request). Confirming a web page source and web content for generating (or extracting) a web page corresponding to the identified web page link from the web page operation data, and using the checked web page source and web content. A web page to be provided to the client terminal 165 is generated (or extracted).

When the webpage operation unit 110 generates (or extracts) a webpage to be provided to the client terminal 165, the webpage that is generated (or extracted) is the web for providing the requested non-face-to-face financial transaction. In the case of a page, the interface providing unit includes the nth (1 <= n <N) to Nth financial transaction interfaces corresponding to the internet banking step in the webpage in association with the webpage operation unit 110. It is characterized in that the processing to be provided to the client terminal (165).

According to an embodiment of the present invention, the financial transaction interface is a user interface for inputting (or selecting) financial transaction information according to an internet banking procedure corresponding to the requested non-face-to-face financial transaction through one or more form forms. It is preferable to comprise a.

According to another exemplary embodiment of the present invention, when the client terminal 165 is provided with a banking program having one or more financial transaction interfaces, the interface providing unit 115 provides a financial transaction interface to the client terminal 165. Providing may be omitted, and the present invention is not limited thereto.

Referring to FIG. 1, the internet banking server 100 may include nth (1 <= n <N) to n corresponding to an internet banking step for providing the requested non-face-to-face financial transaction at the client terminal 165. When the nth (1 <= n <N) through the Nth financial transaction information is input and transmitted through the Nth financial transaction interface, the nth (1 <= n <N) through the Nth finance according to the Internet banking procedure. When n (1 <= n <N) financial transaction information is received through the information receiving unit 120 (or information receiving means) for receiving the transaction information and the information receiving unit 120, the received nth ( A ledger processing unit 150 (or ledger processing means) that performs nth (1 <= n <N) ledger processing on 1 <= n <N) financial transaction information and the Nth through the information receiving unit 120. If financial transaction information is received, the financial transaction processing unit 155 (or financial transaction processing) for processing a non-face-to-face financial transaction corresponding to the received N-th financial transaction information. Provided with a stage) it is characterized in that formed.

The client terminal 165 provided with the n th (1 <= n <N) to N th financial transaction interfaces corresponding to the internet banking step for providing the requested non-face-to-face financial transaction is the n th (1). The nth (1 <= n <N) through Nth financial transaction information corresponding to the nth (1 <= n <N) through the Nth Nth internet banking steps through the <= n <N) through the Nth financial transaction interface. Input and transmit to the Internet banking server 100.

According to an embodiment of the present invention, the n th (1 <= n <N) to N th financial transaction information may be processed through a non-face-to-face security process (for example, an encryption key provided in an official certificate) through an encryption or a private key. E-signature is attached) and preferably transmitted, and the non-face-to-face security process is naturally included according to the internet banking procedure corresponding to the requested non-face-to-face financial transaction even if a separate description of the face-to-face security process is omitted in the present invention. do.

When the client terminal 165 receives and transmits the nth (1 <= n <N) to Nth financial transaction information, the information receiver 120 receives the nth (1 <= n <N) through th N financial transaction information is received.

If the nth (1 <= n <N) financial transaction information (eg, financial transaction information that should further receive the (n + 1) th financial transaction information) is received through the information receiving unit 120, the ledger The processor 150 processes one or more inquiry, comparison and verification of the n-th ledger information on the received n-th financial transaction information in connection with the financial system, or query the ledger information on another financial system through a financial common network. And n-th ledger information is confirmed from the financial system as a result of the n-th ledger processing.

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP Including a non-face-to-face account transfer transaction including two times of information transmission and reception including the second financial transaction information transmission and reception including, the withdrawal account number, account password, deposit account number, and transfer amount through the information receiving unit 120. When the first financial transaction information is received, the ledger processing unit 150 is connected to the financial system withdrawal account verification through the withdrawal account number and account password (= ledger information verification) and the withdrawal account number After checking the balance balance (= ledger information inquiry, or ledger information comparison) to check whether the transfer amount is deposited in the account through the transfer amount and Characterized in that the process of checking the deposit account (= ledger information inquiry) to check whether the deposit account exists, if the deposit account number is the other party, the deposit account exists in the other financial system through the financial common network It is characterized in that the processing of the other payment account confirmation (= ledger information inquiry) to check.

Those skilled in the art to which the present invention pertains will be familiar with the technical features of the ledger processing for each non-financial financial transaction type in the n-th financial transaction information, detailed description thereof will be omitted for convenience. do.

On the other hand, when the N-th financial transaction information (eg, the final financial transaction information) is received through the information receiving unit 120, the financial transaction processing unit 155 is connected to the financial system to receive the received N-th financial transaction information. Characterized in that for processing the non-face-to-face financial transaction through the non-face-to-face financial transaction processing through the received N-th financial transaction information is to verify, change, record the ledger information corresponding to the received N-th financial transaction information. It is characterized in that it comprises the above process, or processing the ledger change to the other financial system through the financial common network.

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP Including a non-face-to-face account transfer transaction including two times of sending and receiving information including sending and receiving second financial transaction information, the withdrawal account number, the deposit account number, the transfer amount, and the transfer password through the information receiving unit 120. And second financial transaction information including security card number / OTP, the financial transaction processing unit 155 validates the transfer password and security card number / OTP in association with the financial system (= ledger information verification). ), And during the validation, process a withdrawal account change (= change ledger information) that deducts the transfer amount from the withdrawal account, and It is characterized by processing the current deposit account change (= change the ledger information) to add the transfer amount, and if the deposit account number is the other line, the transfer amount to the deposit account on the other financial system through the financial common network It is characterized in that the processing of the additional payment account to be added (= ledger information change).

Those skilled in the art of the present invention will be familiar with the technical features of the non-face-to-face financial transaction processing for each non-face-to-face financial transaction type to the N-th financial transaction information, the detailed description thereof is for convenience It will be omitted.

Referring to FIG. 1, the Internet banking server 100 receives n-th financial transaction information from a client terminal 165 through the information receiver 120, and receives the financial system through the ledger processor 150. When the n-th ledger processing is performed on the n-th financial transaction information and the n-th ledger information is confirmed as a result, it is transmitted to the client terminal 165 of the n-th financial transaction information and the n-th ledger information. The information checking unit 125 (or information checking means) confirming the n-th comparison target information to be received from the client terminal 165 after being included in the (n + 1) th financial transaction information, and the confirmed n-th comparison. Generating the n-th financial transaction confirmation information including the n-th comparison target information and an information storage unit 130 (or information storage means) for storing target information in the storage medium 160 in association with the client information; Client terminal And an information transmitting unit 135 (or information transmitting means) for transmitting to 165.

After the n-th financial transaction information (for example, financial transaction information that requires further reception of the (n + 1) th financial transaction information) is received through the information receiving unit 120, the n-th financial transaction information is received through the ledger processing unit 150. When the n-th ledger information is confirmed after the n-th ledger processing corresponding to the n financial transaction information, the information checking unit 125 transmits to the client terminal 165 of the n-th financial transaction information and the n-th ledger information The nth comparison target information to be received from the client terminal 165 is included in the (n + 1) th financial transaction information.

For example, the non-face-to-face financial transaction is the first financial transaction information transmission and reception including the withdrawal account number, account password, deposit account number, transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / In the case of a non-face-to-face account transfer transaction including two times of information transmission and reception including the transmission and reception of the second financial transaction information including the OTP, the withdrawal account number, the account password, the deposit account number, and the transfer are transmitted through the information receiving unit 120. After the first financial transaction information including the amount is received and the withdrawal account verification, the account balance verification, and the deposit account verification are processed through the ledger processing unit 150, the withdrawal account verification information corresponding to the first financial transaction information. When the first ledger information including one or more account balance check information and deposit account check information is confirmed, the information checking unit 125 withdraws the account number, account password, and deposit. Among the first financial transaction information including the left number and the transfer amount, and the first ledger information including the withdrawal account verification information, the account balance verification information, and the deposit account verification information, the withdrawal account number, the deposit account number, and the transfer amount Characterized in that the first comparison target information.

When the n-th comparison target information is confirmed by the information checking unit 125, the information storage unit 130 stores the checked n-th comparison target information on the storage medium 160 in association with the client information. The n-th comparison target information stored in the storage medium 160 may include the n-th comparison target information stored in the (n + 1) th financial transaction information received through the next information transmission / reception step from the client terminal 165. It is preferably used to confirm the validity of the (n + 1) th comparison target information matching the nth comparison target information.

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP When including a non-face-to-face account transfer transaction including two times of sending and receiving information including sending and receiving second financial transaction information, the information checking unit 125 includes the withdrawal account number, the deposit account number, and the transfer amount. And storing the first comparison target information in the form of additional information ledger on the ledger that processes the financial transaction of the client (= stored in association with the client information).

In addition, when the n-th comparison object information is confirmed by the information confirming unit 125, the information transmission unit 135 generates n-th financial transaction confirmation information including the n-th comparison object information and generates the n-th comparison object information. The n-th financial transaction confirmation information is transmitted to the client terminal 165.

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP In the case of a non-face-to-face account transfer transaction including two times of information transmission and reception including the second financial transaction information transmission and reception including the information, the information transmission unit 135 includes the withdrawal account number, the deposit account number, and the transfer amount. Generating first financial transaction confirmation information including first ledger information including first comparison target information, withdrawal account verification information, account balance verification information, and deposit account verification information; and transmitting the first financial transaction verification information to the client terminal 165. It is characterized by.

Referring to FIG. 1, when the Internet banking server 100 receives the (n + 1) th financial transaction information from the client terminal 165 through the information receiver 120, the storage medium 160 is provided. An information extracting unit 140 (or information extracting means) for identifying and extracting the n th comparison target information in connection with the n th comparison target information and the n th comparison target information among the received (n + 1) th financial transaction information; Confirming the (n + 1) th comparison target information and comparing the nth comparison target information with the (n + 1) th comparison target information to confirm whether the (n + 1) th comparison target information is valid; It is characterized by comprising a unit 145 (or validation means).

When the (n + 1) th financial transaction information is received from the client terminal 165 through the information receiving unit 120, the information extracting unit 140 is connected with the storage medium 160 to receive and confirm the receipt. And confirming n-th comparison target information corresponding to the (n + 1) th financial transaction information, wherein the validity checking unit 145 includes the received and confirmed (n + 1) th financial transaction information. Identify the (n + 1) th comparison target information matching the nth comparison target information, compare the nth comparison target information with the (n + 1) th comparison target information, and compare the (n + 1) th target It is characterized by checking whether the information is valid.

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP Including a non-face-to-face account transfer transaction including two times of sending and receiving information including sending and receiving second financial transaction information, the withdrawal account number, the deposit account number, the transfer amount, and the transfer password through the information receiving unit 120. And second financial transaction information including a security card number / OTP, the information extraction unit 140 compares the first with the withdrawal account number, the deposit account number, and the transfer amount from the storage medium 160. The target information is checked and extracted, and the validity checker 145 confirms the second comparison target information including the withdrawal account number, the deposit account number, and the transfer amount from the second financial transaction information. And comparing the first comparison target information with the second comparison target information to determine whether the second comparison target information is valid.

After it is confirmed by the validity checking unit 145 that the (n + 1) comparison target information is valid, if ((n + 1) <N), the ledger processing unit 150 determines the (n + 1) perform (n + 1) ledger processing on financial transaction information, whereas ((n + 1) == N), the financial transaction processing unit 155 is a non-face-to-face corresponding to the Nth financial transaction information. Characterized in processing financial transactions.

2 is a diagram illustrating a process of connecting an internet banking-based financial transaction channel according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates the Internet banking system shown in FIG. 1 when the client terminal 165 accesses the Internet banking server 100 through a TCP / IP based network (eg, the Internet). The present invention relates to a method of connecting an internet banking-based financial transaction channel between the client terminal 165 and the internet banking server 100 by performing a predetermined customer authentication procedure. If you have, the Internet banking-based finance for non-face-to-face financial transactions that need to send and receive information N (N> 1) times between the client terminal 165 and the Internet banking server 100 by referring to and / or modified in Figure 2 Although various implementation methods of connecting trading channels may be inferred, the present invention includes all implementation methods inferred from the above, and the implementation method illustrated in FIG. It shall not be limited.

That is, FIG. 2 shows the browser when accessing the Internet banking server 100 through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal 165. Although an implementation method of connecting an internet banking-based financial transaction channel for non-face-to-face financial transactions requiring N (N> 1) times of transmission and reception between the client terminal 165 and the Internet banking server 100 based on a program is illustrated. For those skilled in the art to which the present invention pertains, reference and / or modification of an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 2 is mounted on the client terminal 165. The client terminal 165 and the Internet banking book based on a predetermined internet banking program Although it may be possible to infer an implementation method of connecting an Internet banking-based financial transaction channel for non-face-to-face financial transactions requiring N (N> 1) times of information transmission and reception between 100, the present invention is based on the Internet banking program. To include provided Internet banking-based financial transactions, whereby the present invention is not limited.

In addition, those skilled in the art to which the present invention belongs, refer to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 2, in addition to the Internet banking system, the N (N> 1 The non-face-to-face requiring information transmission and reception of the N (N> 1) times in another non-face-to-face financial transaction system (eg, a wireless banking system, a home banking system, a TV banking system, etc.) that provides non-face-to-face financial transactions by sending and receiving meeting information. Although it may be possible to infer an implementation method for linking a non-face-to-face based financial transaction channel for a financial transaction, it is apparent that the present invention is characterized by including all inferred implementation methods.

Hereinafter, in FIG. 2, the client terminal 165 shown in FIG. 1 is referred to as a “terminal” for convenience, and the internet banking server 100 is referred to as a “server” for convenience.

Referring to FIG. 2, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (200), the server connects a communication channel between the terminal and the server through the browser. In this case, the communication channel is a web page generated (or extracted) by a request of a browser program provided in the client terminal 165 and transmitted to the client terminal 165. Assigns a predetermined communication session so that a browser program included in the client terminal 165 receives at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page. Means.

According to another embodiment of the present invention, when the client terminal 165 is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one of the Internet banking program. A communication channel for transmitting and receiving the above information (or data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 210).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal 165, the server requests version information or last update date information, etc. from the internet banking program, thereby providing the Internet banking program ( Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted or updated in the terminal (215), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 220.

If the terminal does not need to install or update the latest version of the security module for internet banking (225), or if the terminal does not need to load or update the security module for internet banking (215), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (230), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a positive decryption method (or decryption algorithm), and also provided to the server for non-face-to-face financial transactions requiring N (N> 1) information transmission and reception at the terminal. When a predetermined digital signature is attached to the information (or data) to be transmitted or encrypted and transmitted by at least one or more encryption methods (or encryption algorithms), the server verifies the electronic signature or transmits the information to the encryption method (or encryption algorithm). A communication channel for decoding the information (or data) by a corresponding predetermined decoding scheme (or decoding algorithm).

According to another exemplary embodiment of the present invention, when the client terminal 165 is provided with a predetermined internet banking program, the Internet banking-based secure channel is provided from the server to the terminal according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be performed or is encrypted and provided by at least one encryption method (or encryption algorithm), the terminal confirms the electronic signature or the encryption method (or encryption algorithm). It means a communication channel to decode the information (or data) by a corresponding predetermined decoding scheme (or decryption algorithm), and also for the non-face-to-face financial transaction requiring N (N> 1) information transmission and reception in the terminal Attach certain electronic signatures to information (or data) to be provided to the server; Or encrypting and transmitting the data using at least one encryption method (or encryption algorithm), and verifying the digital signature on the server or using the predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). (Or data) means a communication channel for decoding.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (235).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encryption is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (240). The server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (245).

If the Internet banking customer authentication fails (250), the server blocks the Internet banking secure channel for the terminal (255), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (250), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (260), where the Internet banking based The financial transaction channel refers to at least one financial transaction request requested from the terminal, and the server accesses the ledger on the financial system to perform the requested financial transaction (eg, account inquiry, account transfer, bill payment, .. Communication channel).

3 is a diagram illustrating a financial transaction information transmission process through non-face-to-face financial transactions through step-by-step comparison authentication of non-face-to-face transaction information according to an embodiment of the present invention.

3 illustrates the financial transaction channel between the client terminal 165 and the internet banking server 100 through the process shown in FIG. When a non-face-to-face financial transaction requiring N (N> 1) times of information transmission and reception is requested to the internet banking server 100, at least one n (1 <=) corresponding to the internet banking step in the internet banking server 100 is requested. n <N) to N-th financial transaction interfaces are sequentially provided, and correspondingly, the client terminal 165 receives n-th (1 <= n <N) to N-th financial transaction information to provide the Internet banking server ( 100), the person of ordinary skill in the art to which the present invention pertains, non-face-to-face financial transactions through the step-by-step comparison authentication of the non-face-to-face transaction information by referring to and / or modified in this figure Through would be able to infer a variety of exemplary methods for the financial transaction information transfer process, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 3.

For example, those skilled in the art to which the present invention pertains, the technical features of the security processing through the encryption / decryption through the electronic certificate attached to the electronic signature in the Internet banking system shown in FIG. Since there will be, the description of the security process through the public certificate in Figure 3 will be omitted for convenience.

Hereinafter, in FIG. 3, the client terminal 165 shown in FIG. 1 is referred to as a “terminal” for convenience, and the Internet banking server 100 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 3, when the financial transaction channel between the client terminal 165 and the internet banking server 100 is connected through the process illustrated in FIG. 2, the terminal connects to the server through the financial transaction channel. One non-face-to-face financial transaction is requested (300), and correspondingly, the server reads the non-face-to-face financial transaction request and the non-face-to-face financial transaction requires N (N> 1) times of information transmission and reception. Check whether it is (305).

If the requested non-face-to-face financial transaction is not a face-to-face financial transaction requiring N (N> 1) times of transmitting and receiving information 310, the server processes the face-to-face financial transaction according to the conventional non-face-to-face method (315).

On the other hand, if the requested non-face-to-face financial transaction is a non-face-to-face financial transaction requiring N (N> 1) information transmission and reception (310), the server generates a web page including an n (n = 1) financial transaction interface and The terminal transmits to the terminal through a financial transaction channel (320), and correspondingly, the terminal determines whether n-th financial transaction information is input (or selected) through the n-th financial transaction interface (325).

If the n-th financial transaction information is input (or selected) through the n-th financial transaction interface (330), the terminal transmits the input (or selected) n-th financial transaction information through the financial transaction channel to the server. In step 335.

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP In the case of including a non-face-to-face account transfer transaction including two times transmission and reception including the transmission and reception of the second financial transaction information, the terminal includes the withdrawal account number, the account password, the deposit account number, Input and transmit the first financial transaction information including the transfer amount, and the second financial transaction information including the withdrawal account number, the deposit account number, the transfer amount, the transfer password and the security card number / OTP through the second financial transaction interface; It is characterized by the transmission or confirmation.

4 is a diagram illustrating a non-face-to-face financial transaction process through step-by-step comparison authentication of non-face-to-face transaction information according to an embodiment of the present invention.

In more detail, in FIG. 4, when n (1 <= n <N) to N-th financial transaction information is received from the client terminal 165 through the process illustrated in FIG. 3, the Internet illustrated in FIG. The banking server 100 checks the n-th comparison target information corresponding to the n-th financial transaction information and temporarily stores the n-th comparison object information in the storage medium 160, and then the (n + 1) th financial transaction information from the client terminal 165. Upon reception, validity of the (n + 1) th financial transaction information is obtained by extracting and comparing the (n + 1) th comparison object information matching the nth comparison object information from the (n + 1) th financial transaction information. The process of processing the non-face-to-face financial transactions requested through the process shown in Figure 3 by verifying, and those of ordinary skill in the art to which the present invention pertains, reference and / or modification of this figure 4 Step by step comparison of non-face-to-face transaction information Various implementation methods for the non-face-to-face financial transaction process may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 4, the client terminal 165 illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the Internet banking server 100 illustrated in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 4, through the process illustrated in FIG. 3, the non-face-to-face financial transaction requiring N (N> 1) times of information transmission and reception from the client terminal 165 may be performed from n (1 <= n <N) to If the N-th financial transaction information is the first financial transaction information of the internet banking procedure corresponding to the non-face-to-face financial transaction requested through the process shown in FIG. 3 (400), the server is connected to the financial system and the n-th financial transaction information. Ledger processing is performed through the financial transaction information, and the nth ledger information corresponding to the ledger processing result is checked (405).

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP Including a non-face-to-face account transfer transaction including two times of information transmission and reception including transmission and reception of second financial transaction information including a first financial transaction including the withdrawal account number, account password, deposit account number, and transfer amount When the information is received, the server is connected with the financial system to verify the withdrawal account through the withdrawal account number and account password (= ledger information verification), and the transfer amount to the account through the withdrawal account number and transfer amount After checking the balance balance (= ledger information inquiry or ledger information comparison) to check if it is deposited, check if the deposit account exists. Characterized in that the process of checking the deposit account (= ledger information inquiry), and if the deposit account number is the other line, check the other deposit account to check whether the deposit account exists in the other financial system through the financial cooperative network ( = Ledger information inquiry), whereby the server confirms the first ledger information including one or more withdrawal account verification information, account balance verification information, and deposit account verification information.

Thereafter, the server checks the nth comparison target information to be received from the terminal through the next (n + 1) th financial transaction information according to the internet banking procedure among the nth financial transaction information and the nth ledger information (410). ).

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP Including a non-face-to-face account transfer transaction including two times of information transmission and reception including transmission and reception of second financial transaction information including a first financial transaction including the withdrawal account number, account password, deposit account number, and transfer amount After the information is received and the withdrawal account verification, account balance verification, and deposit account verification have been processed, one or more withdrawal account verification information, account balance verification information, and deposit account verification information corresponding to the first financial transaction information are included. When the first ledger information is confirmed, the server includes the first financial transaction information including the withdrawal account number, account password, the deposit account number, and the transfer amount, and the withdrawal account. Among the first ledger information including left verification information, account balance confirmation information, and deposit account confirmation information, it is preferable to check the withdrawal account number, the deposit account number, and the transfer amount as the first comparison target information.

If the n th comparison target information is confirmed (eg, if a (n + 1) th financial transaction is to be received according to the internet banking procedure) (415), the server sends the confirmed n th comparison target information to the client. The data is stored in the storage medium 160 in association with the information (420).

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP When a non-face-to-face transfer transaction including two times of information transmission and reception including the transmission and reception of the second financial transaction information including the transaction is performed, the server includes a first comparison target including the withdrawal account number, the deposit account number, and the transfer amount. It is preferable to store the information in the form of an additional information ledger on the ledger that processes the financial transaction of the client (= stored in association with the client information).

Thereafter, the server generates n-th financial transaction confirmation information including the checked n-th comparison target information (425).

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP When a non-face-to-face transfer transaction including two times of information transmission and reception including the transmission and reception of the second financial transaction information including the transaction is performed, the server includes a first comparison target including the withdrawal account number, the deposit account number, and the transfer amount. It is preferable to generate the first financial transaction verification information including the information, the first ledger information including the withdrawal account verification information, the account balance verification information, and the deposit account verification information.

Thereafter, the server outputs the n-th financial transaction confirmation information to the terminal, and checks the n-th financial transaction confirmation information in the terminal and inputs (n + 1) financial transaction information corresponding thereto. To generate and transmit to the terminal (430), and then the terminal checks and inputs (n + 1) th financial transaction information through the process shown in FIG. 3 until (n == N). Repeat.

On the other hand, after the n-th financial transaction information received and confirmed through the process shown in FIG. 3 is received more than once according to the Internet banking procedure corresponding to the non-face-to-face financial transaction requested through the process shown in FIG. If n (n> 1) financial transaction information (400), since the (n-1) comparison target information stored before the n-th financial transaction information is received in the storage medium 160, the server In operation 435, the n-th comparison target information corresponding to the n-th financial transaction information received from the storage medium 160 is identified in connection with the storage medium 160 (435).

If the (n-1) th comparison target information is not confirmed (440), the server performs ledger processing through the nth financial transaction information in association with the financial system (405).

On the contrary, when the (n-1) th comparison target information is confirmed (440), the server checks the nth comparison target information matching the (n-1) th comparison target information among the received nth financial transaction information. In operation 445, the validity of the nth comparison target information is confirmed by comparing the (n-1) th comparison target information with the nth comparison target information.

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP In the case of a non-face-to-face account transfer transaction including two times transmission and reception including information transmission and reception including the second financial transaction information transmission, the withdrawal account number, the deposit account number, the transfer amount, the transfer password and the security card number / OTP When the second financial transaction information is received, the server identifies and extracts first comparison target information including the withdrawal account number, the deposit account number, and the transfer amount from the storage medium 160, and the second financial information. Confirm the second comparison target information including the withdrawal account number, the deposit account number, and the transfer amount from the transaction information, and compare the first comparison target information with the second comparison target information. W it is desirable to ensure that the second comparison target information is valid.

If the validity of the n-th comparison object information is not confirmed (455), the server transmits the financial transaction error information to the terminal and outputs the information (480).

On the other hand, if the validity of the n-th comparison target information is confirmed (455) and the information transmission / reception step for the non-face-to-face transaction is (n <N) (460), the server is connected to the financial system to the n-th financial Perform the ledger processing through the transaction information, check the n-th ledger information corresponding to the ledger processing result (405), and the Internet banking of the n-th ledger information and the n-th financial transaction information corresponding to the ledger processing result According to the procedure, after confirming the nth comparison object information to be received from the terminal through the next (n + 1) financial transaction information (410), the confirmed (n + 1) comparison object information is associated with the client information. Store the data in the storage medium 160 (420), generate (n + 1) financial transaction confirmation information including the checked (n + 1) comparison target information (425), and output the result to the terminal (425). Sending information for non-face-to-face transactions It is repeated until the step is (n == N).

On the other hand, if the validity of the n-th comparison target information is confirmed (455), but the information transmission and reception step for the non-face-to-face transaction (n = = N) (460), the server checks the validity in connection with the financial system The financial transaction corresponding to the result is processed (465).

For example, the non-face-to-face financial transaction transmits and receives the first financial transaction information including the withdrawal account number, account password, deposit account number, and transfer amount, withdrawal account number, deposit account number, transfer amount, transfer password and security card number / OTP In the case of a non-face-to-face account transfer transaction including two times transmission and reception including information transmission and reception including the second financial transaction information transmission, the withdrawal account number, the deposit account number, the transfer amount, the transfer password and the security card number / OTP When the second financial transaction information is received, the server performs validation (= ledger information verification) on the transfer password and security card number / OTP in association with the financial system, and when the validation is performed, the withdrawal A deposit account that handles a withdrawal account change (= ledger information change) that deducts the transfer amount from the account, and adds the transfer amount to the deposit account. Change (= ledger information change), and if the deposit account number is another line, the other deposit account change (= ledger) which adds the transfer amount to the deposit account on the other financial system through the financial common network. Information change).

If the non-face-to-face financial transaction requested through the process shown in FIG. 3 is completed by the financial transaction process (470), the server transmits the financial transaction result information to the terminal and outputs it (475).

According to the present invention, a security vulnerability is exposed due to a security vulnerability of a browser network, and even if a request is made to transfer a large amount of funds to a hacker's account by changing some of the information transmitted and received through the communication network, a secure non-face-to-face There is an advantage to providing financial transactions.

According to the present invention, there is an advantage of adjusting the security level without having to mount any more security module on the client terminal through the change of the server side operated by the financial company.

Claims (8)

Receiving first financial transaction information including a deposit account number for checking a deposit account from a terminal during a wire transfer transaction through a non-face-to-face channel; Storing the deposit account number included in the first financial transaction information in a storage medium when checking the deposit account inquiry; Transmitting the inquiring deposit account number to the terminal through the communication network; Receiving second financial transaction information including a deposit account number for bank transfer processing from the terminal through a communication network; And Verifying the validity of the deposit account number included in the second financial transaction information in connection with the storage medium; Non-face-to-face financial transaction method through the verification of the transaction step comprising the. In the non-face-to-face financial transaction method that requires N (N> 1) information transmission and reception, Receiving n th (1 <= n <N) through N th financial transaction information from a terminal requesting a non-face-to-face financial transaction; When the n-th financial transaction information is received from the terminal, n-th comparison target information including one or more pieces of information received from the terminal, including one or more pieces of information to be received in the next (n + 1) financial transaction information. Confirming; And Storing the n th comparison target information on a storage medium, and generating n th financial transaction confirmation information including the n th comparison target information to the terminal; Non-face-to-face financial transactions. The method of claim 2, When receiving (n + 1) th financial transaction information from the terminal, checking the nth comparison target information in association with the storage medium; And Verifying the validity of the (n + 1) th financial transaction information by comparing the (n + 1) th comparison object information included in the received (n + 1) th financial transaction information with the nth comparison object information; Non-face-to-face financial transaction method through the verification of the transaction step, characterized in that further comprises a. The method of claim 2, wherein the financial transaction information, Non-face-to-face financial transaction method through the verification of the transaction step comprising the information requesting a bank transfer transaction. The method of claim 2, wherein the comparison target information, The non-face-to-face financial transaction method through the verification of the transaction step, characterized in that the transaction comprises account information through the non-face-to-face financial transaction. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In a non-face-to-face financial transaction system requiring N (N> 1) information transmission and reception, Information receiving means for receiving nth (1 <= n <N) through Nth financial transaction information from a terminal requesting a non-face-to-face financial transaction; When the n-th financial transaction information is received from the terminal, n-th comparison target information including one or more pieces of information received from the terminal, including one or more pieces of information to be received in the next (n + 1) financial transaction information. Information checking means for confirming; Information transmitting means for generating n-th financial transaction confirmation information including the n-th comparison target information and transmitting the generated n-th financial transaction confirmation information to the terminal; And And an information storage means for storing the n-th comparison object information on a storage medium. The method of claim 7, wherein Upon receipt of the (n + 1) th financial transaction information from the terminal, the nth comparison target information is checked in association with the storage medium, and the (n + 1) included in the received (n + 1) th financial transaction information. 1) non-validation through the transaction step verification, characterized in that it further comprises; a validation means for verifying the validity of the (n + 1) financial transaction information by comparing the comparison target information and the n-th comparison target information; Face-to-face financial transaction system.

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