KR20090104199A - System and Method for Processing Transfer Money using Financial Automatic Teller Machine and Program Recording Medium - Google Patents

Abstract

PURPOSE: A system and a method for processing transfer money using an automatic teller machine and a program recording medium thereof are provided to transfer money using a mobile phone number even though a bank account of a counterpart person is unknown and easily check whether to receive the money by automatically returning the money if the person does not receive it. CONSTITUTION: A method for processing transfer money using an automatic teller machine comprises the following steps. Transfer detail information is transmitted to an automatic teller machine after checking transfer details. The transfer details are displayed on a screen of the automatic teller machine. An information input interface which inputs one of drawing money information corresponding to the transfer details and recipient designated account information is displayed(520). One recipient designated account information is transmitted. Transfer money deposited in a virtual account is transferred corresponding to the transmitted information(535).

Description

System and Method for Processing Transfer Money using Financial Automatic Teller Machine and Program Recording Medium}

1 is a diagram illustrating a functional configuration of a financial terminal 100 for financial transaction processing using a mediumless mobile phone transfer amount withdrawal transaction mode according to an embodiment of the present invention.

2 is a diagram illustrating an operation process of the financial terminal 100 for financial transaction processing using a medium-free mobile phone transfer amount withdrawal transaction mode according to an embodiment of the present invention.

3 is a diagram illustrating a face-to-face financial transaction system for providing a transfer service using a payee cell phone number according to an embodiment of the present invention.

4 is a diagram illustrating a process of processing a financial transaction for providing a transfer service using a payee cell phone number in a face-to-face manner according to an embodiment of the present invention.

5 is a diagram illustrating a process of processing a financial transaction for providing a transfer service using a payee cell phone number in a face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face financial transaction system for providing a transfer service using a payee cell phone number according to an embodiment of the present invention.

7 is a diagram illustrating a process of processing a financial transaction for providing a transfer service using a payee cell phone number in a non-face-to-face manner to provide a transfer service using a payee cell number according to an exemplary embodiment of the present invention.

8A and 8B illustrate a process of processing a financial transaction for providing a transfer service using a payee cell phone number in a non-face-to-face manner to provide a transfer service using a payee cell phone number according to another exemplary embodiment of the present invention. .

9 is a diagram illustrating a process of processing a financial transaction for providing a transfer service using a payee cell phone number in a face-to-face manner according to an embodiment of the present invention.

<Description of main parts of drawing>

300: financial transaction server 305: interface unit

310: interface providing unit 315: information receiving unit

320: information transmission unit 325: validation unit

330: transfer processing unit 335: withdrawal processing unit

340: connection confirmation unit 345: transfer approval request unit

350: authentication processing unit 355: financial transaction terminal

360: information storage 365: storage media

The present invention comprises the steps of storing in the storage medium the transfer history information including the virtual account information connected to the recipient mobile number and the transfer amount information withdrawn from the sender account deposited in the virtual account, the mobile phone number output to the automated teller machine Receiving a recipient mobile number through an input interface, and confirming that there is a virtual account associated with the received recipient mobile number in association with the storage medium, and as a result, there is a virtual account associated with the received recipient mobile number And checking the transfer history including the transfer amount information deposited in the virtual account. When the transfer history is confirmed, the transfer history information is transmitted to the financial teller machine, and the transfer history is displayed on the screen of the automatic teller machine. Process the output so that the entire transfer amount corresponding to the transfer history (or Processing to output an information input interface for inputting one or more withdrawal amount information for withdrawing a portion and one or more payee designated account information for depositing all (or a portion) of the transfer amount corresponding to the transfer history; Withdrawal amount information for withdrawing the whole (or part) of the transfer amount corresponding to the transfer history and payee designated account information for depositing the whole (or part) of the transfer amount corresponding to the transfer history through the interface output to the device If more than one transmission, it relates to a method for processing a transfer amount using a automated teller machine comprising the step of receiving it, and processing the transfer amount deposited in the virtual account in response to the received information.

The financial industry, which develops with the development of modern society, uses various people's money to provide various financial transaction services such as transfer, deposit and withdrawal.

Among them, when providing a service for transferring money to customers, for those who do not know the customer's financial account number, or those who are reluctant to provide a variety of services, such as email transfer, there is a difficult problem.

An object of the present invention for solving the problem, the information storage for storing the transfer history information including the virtual account information linked to the recipient mobile number and the transfer amount information withdrawn from the sender account deposited in the virtual account in the storage medium; Means, a mobile phone number receiving means for receiving a payee mobile phone number input through a mobile phone number input interface output to the automated teller machine, a virtual account linked to the payee mobile phone number in association with the storage medium, and the virtual account Transfer history confirmation means for confirming the transfer history information including the transfer amount information deposited in the transfer history transfer means for transmitting the transfer history information to the financial automation device when the transfer history is confirmed; For withdrawing or depositing the transfer amount deposited in the virtual account from And a transfer processing means for processing a transfer amount deposited in the virtual account in response to information for withdrawing or depositing the transfer amount deposited in the received virtual account. It is to provide a transfer amount processing system used.

In the method of processing a transfer amount using the automated teller machine according to the present invention, the transfer history information including the virtual account information linked to the payee cell phone number and the transfer amount information withdrawn from the remitter account and deposited in the virtual account is stored in a storage medium. And receiving a payee mobile phone number through a mobile phone number input interface output to the automated teller machine, checking whether a virtual account associated with the received payee mobile phone number exists in association with the storage medium, If there is a virtual account associated with the received payee cell number, checking a transfer history including the transfer amount information deposited in the virtual account; and if the transfer history is confirmed, transfer the transfer history information to the automated teller machine. Transfer the transaction to the screen of the automatic teller machine Information for inputting at least one withdrawal amount information for withdrawing the whole (or part) of the transfer amount corresponding to the transfer history and one or more recipient designated account information for depositing the whole (or part) with the transfer amount corresponding to the transfer history; Processing the input interface to be output; and withdrawal amount information for withdrawing all (or a part) of the transfer amount corresponding to the transfer history through the interface output to the automated teller machine; and the total amount of the transfer amount corresponding to the transfer history Receiving one or more payee-specific account information for depositing (or a portion), and processing a transfer amount deposited in the virtual account in response to the received information. do.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording a program for executing the transfer amount processing method using the above-mentioned automated teller machine.

On the other hand, the transfer amount processing system using the automated teller machine according to the present invention, a storage medium containing the transfer history information including the virtual account information linked to the payee cell phone number and the transfer amount information withdrawn from the remitter account deposited in the virtual account; Check the virtual account associated with the payee cell phone number in association with the storage medium; information storage means for storing the information, a cell phone number receiving means for receiving the payee cell number input through the cell phone number input interface output to the automated teller machine; And transfer history confirmation means for confirming the transfer history information including the transfer amount information deposited in the virtual account, Transfer history transmission means for transmitting the transfer history information to the financial automated device when the transfer history is confirmed; Withdrawal of the transfer amount deposited in the virtual account from the automated teller machine; Information receiving means for receiving information for gold or deposit, and transfer processing means for processing a deposit amount deposited in the virtual account in response to information for withdrawal or deposit of the transfer amount deposited in the received virtual account; It is characterized by comprising.

In the method for processing a transfer amount using a financial automatic machine according to the present invention, the transfer processing unit processes the amount corresponding to the withdrawal information to be withdrawn through the automatic teller machine, and the financial automation corresponding to the deposit information. The remaining amount except for the amount withdrawn through the device is characterized in that the processing to be deposited into the payee account.

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 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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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 a functional configuration of a financial terminal 100 for financial transaction processing using a mediumless mobile phone transfer amount withdrawal transaction mode according to an embodiment of the present invention.

More specifically, Figure 1 illustrates a cash dispenser (CD) and / or an automatic teller machine (ATM) at a given financial institution (e.g., a commercial bank branch) and / or in a public place. In the unmanned financial terminal 100, a preferred functional configuration for processing a financial transaction using a medium-free mobile phone transfer amount withdrawal transaction mode according to the present invention, the person having ordinary skill in the art to which the present invention belongs If it is, with reference to Figure 1 and / or modified to be able to infer various implementation methods for the financial terminal 100 for processing financial transactions using the medium-free mobile phone transfer amount withdrawal transaction mode according to the present invention, Includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

Referring to FIG. 1, the financial terminal 100 recognizes an MS card and / or an IC card to acquire a predetermined information, and each financial transaction provided through the financial terminal 100. A screen output unit 115 for outputting a processing screen at a step; a key input unit 120 for receiving predetermined information according to each financial transaction step; and a communication unit 130 for communicating with the financial transaction server through a predetermined financial network. ), A memory unit 155 for storing, by the financial terminal 100, at least one or more financial transaction processing information for the financial transaction processing, predetermined financial transaction history information after the financial transaction, and a corresponding financial transaction. Each of the cash payment unit 140 for providing cash to the customer and the power supply unit 125 for supplying power to the financial terminal 100 and at least one terminal function unit 135 and the financial terminal 100 are provided. Control unit for controlling the functional configuration of the 105).

The control unit 105 controls the overall operation of the financial terminal 100 in the functional configuration, manages the flow of information or data between each component, and based on the medium-free mobile phone transfer amount withdrawal transaction mode according to the present invention Control at least one or more components provided in the financial terminal 100 for a financial transaction, at least one or more processors including a central processing unit (CPU) / micro processing unit (MPU) in hardware And an execution memory (e.g., a register), a bus for inputting and outputting predetermined data, and at least one electronic circuit (or integrated circuit) therefor, and also a software-specific function. Loading into the execution memory from a predetermined recording medium provided in the financial terminal 100 to perform the processing and the process It is characterized in that it comprises a predetermined program routine (Routine) and / or program data that is arithmetic processing by the program. In particular, the control unit 105 includes a predetermined operating system and / or a terminal control program routine for managing the financial terminal 100 after the financial terminal 100 is booted by software. 1 shows at least one program component provided in the financial terminal 100 for a financial transaction based on a medium-free mobile phone withdrawal transaction mode according to the present invention. Explain.

The card reader unit 110 provides an interface between the card and the financial terminal 100 to read at least one or more information or data included in the card for at least one or more financial transactions. MS Reader interface to interface MS (Magnetic Stripe) card based on IEC 7810 standard with financial terminal 100, and / or ISO / IEC 7816 standard for financial transaction processing based on no-mobile handset transfer amount withdrawal transaction mode Contact IC reader interface for interfacing a contact integrated IC (Integrated Circuit) card with the financial terminal 100 and / or a contactless IC for interfacing a contactless IC card based on the ISO / IEC 14443 standard with the financial terminal 100. It comprises a reader unit, wherein the contact IC reader unit and / or contactless IC reader unit preferably corresponds to the IC card reader provided in the financial terminal 100 Do.

The MS reader unit is a card reader unit 110 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (eg, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the at least one track (Track) included in the MS of the MS card, the predetermined information or data is characterized in that the interface to the financial terminal 100.

The contact IC reader unit is a card reader unit 110 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and finances predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). Characterized in that the interface to the terminal 100.

The non-contact IC reader unit is a card reader unit 110 based on ISO / IEC 14443. At least one of the non-contact IC card makes contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. It comprises the above antenna, the power supply to the IC chip of the IC card through the antenna, and the predetermined information or data from the IC chip through the half-duplex transaction using the APDU financial terminal It is characterized by interfacing to (100).

The screen output unit 115 is previously defined to be output from the financial terminal 100 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT) by the controller 105. Or outputting at least one information or data which is defined in real time, and the key data and finance inputted through the key input unit 120 to the information or data predefined to be output on the screen by the financial terminal 100. It includes information stored or generated by the components provided in the terminal 100, information transmitted and received through the communication unit 130, data corresponding to a predetermined operation result performed by the financial terminal 100.

According to an exemplary embodiment of the present invention, the screen output unit 115 may process a processing screen and / or an interface screen according to each financial transaction step using a medium-free mobile phone transfer amount withdrawal transaction mode according to the present invention to a predetermined screen output device. It is preferable to output.

According to an exemplary embodiment of the present invention, the screen output unit 115 outputs an interface screen for inputting (or selecting) a medium-free mobile phone transfer amount withdrawal transaction mode under the control of the controller 105 to the screen output device. It is desirable to.

Here, in the withdrawal transaction mode of the medium-free mobile phone transfer, the transfer is transferred to the virtual account based on the mobile phone number of the customer without a bankbook or a card for the financial account issued by the financial institution to the customer. It is preferable that the financial transaction mode is used to withdraw money.

Subsequently, when the medium-free mobile phone transfer amount withdrawal transaction mode is selected, an interface screen for inputting the mobile phone number of the customer is output to the screen output device, and when the customer mobile phone number is input through the output interface screen, It is preferable to query the transfer history connected to the mobile phone number and output it to the screen output device. When entering the mobile phone number of the customer, it is preferable to further input a social security number, a PIN, a password, and the like.

In addition, it is preferable to output the cash withdrawal information input interface for inputting the withdrawal amount for the transfer amount and the transfer amount receipt account for the transfer amount after inquiring the interest details and outputting them to the screen output device.

The key input unit 120 includes at least one key button including at least one numeric key and / or a character key and / or a function key. Detects information (or a signal) input from a key input device of a predetermined value and is provided to the key input device in a specific input mode and / or operation mode of the financial terminal 100 controlled by the controller 105. When predetermined information (or signal) is input from a key button, a key event corresponding to the input information (or signal) is generated, and the generated key event is provided to the controller 105. The control unit 105 obtains predetermined key data corresponding to the key event in the current input mode and / or operation mode of the financial terminal 100, and / or is defined in accordance with the key event. Characterized in that for obtaining a command to execute the function. The key input unit 120 and the key input device having at least one key button interlock with each other to perform a function of key input means provided in the financial terminal 100.

According to an embodiment of the present invention, a key input device interoperating with the key input unit 120 may include a keypad device having at least one numeric key and a function key, and / or at least one numeric key and a letter key (eg, A keyboard device having English character keys and / or Korean character keys) and a function key, and / or at least one numeric key and a function key in conjunction with the screen output means, and / or at least one numeric key And at least one touch screen device having character keys and function keys.

According to an embodiment of the present invention, the key input unit 120 preferably receives at least one or more information for each financial transaction step using a medium-free cellular phone transfer amount withdrawal transaction mode according to the present invention from a predetermined key input device. Do.

The communication unit 130 provides a communication means for performing a transaction function (for example, a transaction function interoperating with the financial terminal 100 and the external system of each financial system) provided in the financial terminal 100. The network communication unit 130 and / or a predetermined cable communication port for providing transaction communication with a financial transaction server provided on a financial system through a financial network (for example, a party network or a CD / ATM network) in hardware. (E.g., RS-232c, USB (Universal Serial Bus), etc.) cable communication unit 130 for providing transactional communication with an external communication device and / or infrared ray communication, RF (Radio Frequency) communication, Bluetooth ( Local area communication unit 130 for providing transactional communication with the local area communication device through at least one or more short-range wireless communication, including BlueTooth (Wireless LAN), Wireless LAN, Wi-Fi, Ultra Wide Band system (UWB) And communication protocols and communication applications for providing transactional communication in software.

According to an exemplary embodiment of the present invention, the communication unit 130 performs a financial transaction using a financial transaction server on the financial system and a medium-free mobile phone withdrawal transaction mode through the network communication unit 130 via a predetermined financial network. It is desirable to connect a communication channel for processing.

The memory unit 155 is a storage medium that stores at least one or more information or data required for the control unit 105 to perform a predetermined control function. The memory unit 155 may include a hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM. (Flash Memory) and at least one storage means including a hard disk drive (HDD), and includes a predetermined program routine and program required for the control unit 105 to perform a predetermined control function in software. Data (e.g., data input or output for a program routine to perform a predetermined function).

According to an embodiment of the present invention, the memory unit 155 may include at least one financial transaction processing information used by the financial terminal 100 to process a financial transaction using a medium-free mobile phone withdrawal amount withdrawal transaction mode according to the present invention. It is preferable to store, and / or after the financial transaction processing using the medium-free mobile phone withdrawal amount withdrawal transaction mode, it is preferable to store the financial transaction history information corresponding to the financial transaction.

The cash payment unit 140 is a financial transaction result corresponding to a card read through the card reader unit 110 from a predetermined financial system through the communication unit 130, a predetermined cash payment instruction to the financial transaction customer ( Or a cash payment approval result) and, if received, a cash corresponding to the cash payment instruction (or cash payment approval result) (or cash requested by the financial transaction customer) with a predetermined cash provided in the financial terminal 100. Read out from the storage unit 145, characterized in that paid to the customer through a predetermined cash discharge unit 150.

The terminal function unit 135 is a component provided in the financial terminal 100 in addition to the components shown in FIG. 1 and / or for a predetermined purpose or role. Typically, various additional function configurations according to the intention of those skilled in the art, such as a secure application module (SAM) for financial transaction support and / or a print output unit for printing a receipt and / or a biometric recognition device for biometrics It is made, including. Those skilled in the art to which the present invention pertains will easily understand each terminal functional unit 135 provided according to the characteristics of the financial terminal 100, and thus a detailed description thereof will be omitted.

Referring to Figure 1, the operation mode of the financial terminal 100 checks the mode to check whether the operation mode of the financial terminal 100 is an operation mode for processing a financial transaction based on the medium-free mobile phone transfer amount withdrawal transaction mode The validity authentication unit for authenticating the financial means provided in the IC card using the PIN through the card reader unit 110 and the validity of the financial means provided in the IC card are verified. If authenticated, the information reading unit 170 for reading the financial instrument information from the IC card, a full text generation unit 175 for generating a financial instrument request message including the financial instrument information, and the communication unit 130 Transmits the generated financial means request text message to a financial transaction server through the financial transaction server, receives a financial means provision text message corresponding to the financial means request text message from the financial transaction server, and provides the received financial means; By having a specialized processor 180 to perform a financial transaction result in features that correspond to the door characterized in that formed.

In addition, when a predetermined financial transaction financial account is selected from the interface screen output through the screen output unit 115, the financial terminal 100 processes a predetermined financial transaction corresponding to the financial account for financial transaction. Preferably, the information input unit 185 is further configured to receive financial transaction information. In this case, the full text generation unit 175 includes a financial transaction request message including the financial account information and financial transaction information. Preferably, the professional processing unit 180 transmits the generated financial transaction request message to the financial transaction server through the communication unit 130, and corresponds to the financial transaction request message from the financial transaction server. Receiving the full financial transaction response message, and outputting the financial transaction details contained in the full financial transaction response message through the screen output unit 115 Is recommended.

The financial terminal 100 uses a plurality of operation modes, such as a financial transaction mode for processing a financial transaction using a medium-free mobile phone transfer amount withdrawal transaction mode, or a cash withdrawal mode using a cash card (or a debit card) according to the present invention. The mode check unit 160 checks whether the operation mode of the financial terminal 100 is a financial transaction mode for processing a financial transaction using a medium-free mobile phone withdrawal amount withdrawal transaction mode according to the present invention. It is done.

According to an exemplary embodiment of the present invention, the financial terminal 100 selects a financial transaction using a medium-free cell phone transfer amount withdrawal transaction mode according to the present invention among a plurality of operation modes on a basic screen, thereby transferring the medium-free cell phone transfer. It is preferable to switch to the financial transaction mode for processing financial transactions using the money withdrawal transaction mode.

According to another exemplary embodiment of the present invention, the financial terminal 100 inserts a non-mobile phone transfer amount withdrawal transaction mode according to the present invention from among a plurality of operation modes after a predetermined IC card is inserted into the IC card reader. By selecting the financial transaction used, it is preferable to switch to the financial transaction mode for processing the financial transaction using the medium-free mobile phone withdrawal amount withdrawal transaction mode.

The validity authentication unit interlocks with the key input unit 120 when a predetermined IC card is inserted into an IC card reader corresponding to the contact IC reader unit and / or the non-contact IC reader unit of the card reader unit 110. Receiving a PIN, and performing a validity authentication procedure to secure confidentiality, authentication, integrity, and nonrepudiation of the IC card (and / or financial means provided on the IC card) based on the entered PIN. And, when the validity of the IC card (and / or financial means provided in the IC card) is authenticated by the validity authentication unit, a predetermined financial transaction procedure using the medium-free mobile phone transfer amount withdrawal transaction mode according to the present invention. Is performed normally.

According to an embodiment of the present invention, the validity authentication unit performs a validity authentication procedure for the IC card (and / or financial means provided in the IC card) after a predetermined IC card is inserted into the IC card reader. It is preferable.

According to one embodiment of the invention, the validity authentication unit after the predetermined IC card is inserted into the IC card reader, the operation mode of the financial terminal 100 is switched to the financial transaction mode, or the financial terminal 100 When the predetermined IC card is inserted into the IC card reader after the operation mode is switched to the financial transaction mode, a validity authentication procedure for the IC card (and / or financial means provided in the IC card) is performed. It is desirable to.

The information reading unit 170 reads the financial means information included in the IC card when the validity of the IC card (and / or the financial means provided in the IC card) is authenticated by the validity authentication unit. The read financial means information is provided to the full text generation unit 175.

The full text generation unit 175 generates a predetermined financial means request text including the financial means information read from the IC card through the information reading unit 170, wherein the full financial means request text is In addition to the means information, at least one of the financial terminal 100 address information corresponding to the financial terminal 100 and / or the financial terminal 100 ID information and / or the financial terminal 100 manager (or operator) information. The financial terminal 100 address information and / or the financial terminal 100 ID information and / or the financial terminal 100 manager (or operator) information may be included in the financial terminal 100. It is desirable to extract from the financial transaction processing information stored in the memory unit 155.

In addition, the full financial means request is preferably made by the customer further includes the financial transaction request information, including the financial account information, withdrawal request amount information, transaction authentication information of the customer in order to use the financial transaction service. .

The specialized processing unit 180 transmits the generated financial means request full text to the financial transaction server through the communication unit 130, and at least one financial account corresponding to the financial means from the financial transaction server. Wait for the financial instrument providing text including the information to be received.

If a financial means providing full text including at least one financial account information corresponding to the financial means is received, the specialized processor 180 extracts at least one financial account information included in the received financial means providing full text. And an interface screen for selecting a financial account for a predetermined financial transaction among the extracted at least one financial account information through the screen output unit 115, and through the key input unit 120. Waiting for a predetermined financial transaction financial account is selected from the at least one financial account included in the interface screen.

If a predetermined financial transaction financial account is selected from at least one financial account included in the interface screen, the specialized processor 180 may select a predetermined financial transaction among at least one financial transaction that can be processed through the financial account. And an interface screen for selecting a transaction through the screen output unit 115, wherein a predetermined financial transaction is selected from at least one financial transaction included in the interface screen through the key input unit 120. Wait for that.

If a predetermined financial transaction among at least one financial transaction included in the interface screen is selected, the specialized processor 180 outputs the interface screen for inputting at least one financial transaction information corresponding to the selected financial transaction. And through the key input unit 120 to input financial transaction information corresponding to at least one financial transaction information item included in the interface screen through the key input unit 120. do.

For example, when the selected financial transaction withdraws a predetermined amount from the financial transaction financial account and transfers it to a predetermined deposit target financial account, the financial transaction information input through the information input unit 185 is the financial transaction financial. Withdrawal amount information to be withdrawn from the account, the withdrawal account number to which the withdrawal amount is transferred and deposited, the financial account password for the financial transaction, the account transfer password, and a security card corresponding to the financial account for the financial transaction It comprises at least one predetermined security card number of the plurality of security card numbers.

If the input of the financial transaction information is completed, the specialized processor 180 provides the financial account information for the financial transaction and the input at least one or more financial transaction information to the specialized generator 175.

The full text generation unit 175 generates a full text transaction request message including the financial account information for the financial transaction and the input at least one financial transaction information, and converts the generated full text transaction request text into the full text processing unit 180. )

The specialized processor 180 may transmit the generated financial transaction request message to the financial transaction server, and the financial transaction server may include information on the financial account information for the financial transaction and the input at least one financial transaction information. Wait for a predetermined financial transaction response message including corresponding financial transaction detail information to be received.

If a predetermined financial transaction response message including the financial transaction history information is received, the specialized processor 180 extracts financial transaction history information included in the received financial transaction response message, and extracts the financial transaction history information. The information is output through the screen output unit 115.

According to an embodiment of the present invention, the received financial transaction response message may further include at least one recent financial transaction history, in addition to the financial account information for financial transaction and financial transaction history information corresponding to the financial transaction information. In this case, the specialized processor 180 preferably further outputs the received at least one recent financial transaction history through the screen output unit 115.

In addition, the specialized processor 180 may store the financial transaction history information extracted from the received financial transaction response message in the memory unit 155 for a predetermined period of time, whereby various additions, such as canceling a previous transaction. The service can be easily provided.

2 is a diagram illustrating an operation process of the financial terminal 100 for financial transaction processing using a medium-free mobile phone transfer amount withdrawal transaction mode according to an embodiment of the present invention.

More specifically, Figure 2 shows a cash dispenser (CD) and / or an automatic teller machine (ATM) provided at a given financial institution (e.g., a commercial bank branch) and / or public. In the unmanned financial terminal 100, an operation process for processing a financial transaction using a medium-free mobile phone transfer amount withdrawal transaction mode according to the present invention, if one of ordinary skill in the art By referring to and / or modifying FIG. 2, various implementation methods for the operation process of the financial terminal 100 for processing a financial transaction using a medium-free mobile phone transfer amount withdrawal transaction mode according to the present invention may be inferred. The present invention includes all implementation methods inferred above and is not limited by the implementation method shown in FIG.

Hereinafter, in the present invention, the financial terminal 100 shown in FIG. 1 is referred to as a "terminal" for convenience, and a financial transaction server to be illustrated below is referred to as a "server" for convenience.

Referring to FIG. 2, the terminal outputs an interface screen for inputting (or selecting) the financial transaction mode through a screen output device provided in the terminal (200), and the financial transaction mode is displayed through the output interface screen. Check if it is input (or select) (205).

If the financial transaction mode input (or selection) is confirmed through the interface screen (210), the terminal checks whether the request is a medium-free transaction in response to the financial transaction mode input (or selection) (215).

If the financial transaction mode input (or selected) through the interface screen for inputting (or selecting) the financial transaction mode is not a media-free transaction request (220), the terminal processes the media-free transaction request to be shown below. Do not perform the operation process.

On the other hand, when the financial transaction mode input (or selected) through the interface screen for inputting (or selecting) the financial transaction mode is a medium-free transaction request (220), the terminal responds to the media-free transaction request. An interface screen for inputting request information and transaction authentication information is generated (or extracted) and output through the screen output device (225).

Here, when the medium-free mobile phone transfer amount withdrawal transaction mode is selected, an interface screen for inputting the mobile phone number of the customer is output to the screen output device, and when the customer mobile phone number is input through the output interface screen, It is preferable to query the transfer history connected to the mobile phone number and output it to the screen output device. When entering the mobile phone number of the customer, it is preferable to further input a social security number, a PIN, a password, and the like.

Thereafter, the terminal checks whether the financial transaction request information and the transaction authentication information are input (or selected) through the output financial transaction request information and the interface screen for inputting the transaction authentication information (230).

If the financial transaction request information and the transaction authentication information input (or selection) are confirmed through the interface screen for inputting the financial transaction request information and the transaction authentication information (235), the terminal inputs (or selects) The financial transaction request information and the transaction authentication information are transmitted to the server (240).

Thereafter, the terminal receives a financial transaction processing result corresponding to the financial transaction request information and transaction authentication information transmitted from the server (245), and displays the received financial transaction processing result on the screen output device provided in the terminal. Output through (250).

3 is a diagram illustrating a face-to-face financial transaction system for providing a transfer service using a payee cell phone number according to an embodiment of the present invention.

In more detail, Fig. 3 shows a remitter's financial account information, a transfer amount information, an account password information, and a recipient's mobile phone number information for a given customer to provide a transfer service using the payee mobile number to a financial transaction system through a predetermined financial transaction interface. When providing the financial transaction request information including at least one, the financial transaction system using the remitter financial account information, transfer amount information, account password information, recipient mobile number information contained in the provided financial transaction request information; The present invention relates to a system for providing a financial transaction for providing a transfer service using a payee cell phone number, and a person having ordinary skill in the art to which the present invention pertains refers to and / or modifies the payee cell phone number with reference to FIG. Financial close to provide transfer service using Would be able to infer a variety of exemplary methods for the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 3.

Hereinafter, at least one of providing a financial transaction for providing a transfer service using the payee mobile number using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 3. The components corresponding to the above-described means and / or functional configurations are referred to as "financial transaction server 300" for convenience, and the financial transaction server 300 in FIG. 3 providing the face-to-face financial transaction service may include at least one or more components. It is preferable to include the account system on the financial system connected through the teller terminal and a predetermined financial network, but FIG. 3 shows the financial transaction server 300 as a ledger server between the teller terminal and the account system for convenience of explanation. However, the present invention is not limited thereto.

Referring to FIG. 3 according to an embodiment of the present invention, a financial transaction system for providing a transfer service using the payee cell number includes a financial transaction terminal 355 including a window terminal provided at at least one financial institution branch. And a financial network (eg, a banking network) to which the financial transaction terminal 355 is connected, and a financial transaction for providing a transfer service using the payee cell phone number connected to the financial transaction terminal 355 through the financial network. A financial transaction server 300 for processing and a financial system including the remitter financial account is characterized in that it is made.

The financial system that processes the at least one financial transaction service through the remitter financial account in connection with the financial transaction server 300 may include at least one window terminal provided at a branch (and / or a branch) of the financial institution. It is characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. IC chip-based non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 3, the financial system is a computer system provided in a 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. An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or teller), an information system for processing a headquarters business and for supporting branch information and managing customer information; Interconnection between the financial system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chips) provided in at least one or more external communication networks. Based wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person 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. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). Characterized in that the link is processed and stored, the ledger information is the remitter financial account It characterized by comprising the response to a given account ledger.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that a detailed description thereof will be omitted for convenience.

According to the method of the present invention, the customer visits the financial institution branch to provide a transfer service using the payee cellular phone number, and pays the mobile phone number through a window (or through a teller) provided at the financial institution branch. Fill out a predetermined application (eg, a slip with a form for filling in at least one information item for providing a transfer service using the payee cell phone number) for providing a transfer service using the recipient's mobile phone number, and send the completed application to the counter employee. Upon submission, the teller enters (or selects) the remitter's financial account information, the transfer amount information, the account password information, and the recipient's mobile phone number information, through the predetermined teller terminal, and the teller terminal enters the input ( Or selected) remitter financial account information, transfer amount information, account password information, receipt To financial transactions, including the phone number information, at least one of transmitting the request information to the financial transaction server (300) is provided on the banking system through the financial network is preferred.

Here, the financial transaction terminal 355 preferably comprises a teller terminal used by the teller staff provided in the branch of the financial institution, the financial transaction server 300 connected to the teller terminal is located on the predetermined financial system. It is preferable to include a ledger server provided in the, the financial network connecting the teller terminal and the financial transaction server 300 is a branch network connecting the communication channel between the teller terminal and the financial transaction server 300 It is preferable to comprise.

In the financial transaction system as described above, the application prepared by the customer, the teller terminal used by the teller and the teller network connected to the teller terminal and the financial transaction server 300 are used by the customer to receive the recipient's mobile phone number. It functions as a financial transaction interface for registering financial transaction request information to provide a transfer service.

The financial transaction request information transmitted from the financial transaction terminal 355 for providing a transfer service using the payee cell phone number to the financial transaction server 300 may include predetermined remitter financial account information, transfer amount information, and account password information. At least one payee mobile phone number information, characterized in that consisting of.

The remitter financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person (for example, the name of the account holder, or the remitter financial account) CIF (Customer Information File) number of the corresponding customer, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g., opening the remitter's financial account and Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The transfer amount information includes a financial transaction amount withdrawn from the remitter's financial account and transferred to the remittee to provide a transfer service using the payee's mobile number, and the transfer amount is deposited in the remitter's financial account. It is characterized by not exceeding the remaining balance.

The account password information is for securing the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a transfer service using the payee cell phone number. The information may include at least one password corresponding to the remitter's financial account, or a password corresponding to the financial transaction.

The payee mobile phone number information is to use the transfer service using the payee mobile phone number through the financial transaction server 300, the transfer amount withdrawal from the remitter's financial account for the transfer to the payee, to identify the payee It is preferable to include the recipient's mobile phone number for, it may be made by including the terminal unique information, etc. in addition to the mobile phone number according to the intention and purpose of those skilled in the art.

The financial transaction server 300 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 355 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 355 is a window terminal connected to a predetermined financial network, the financial transaction server 300 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the financial transaction server 300 includes an interface unit 305 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal 355 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the financial transaction terminal 355 is a window terminal connected to a predetermined financial network, the interface unit 305 may be connected to the window terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 3, the financial transaction server 300 may be configured such that a predetermined financial transaction terminal 355 connects a communication channel with the financial transaction server 300 through the interface unit 305, and / or the communication. When a financial transaction for providing a transfer service using the payee cell number is requested through a channel, the financial transaction terminal 355 inputs (or selects) predetermined financial transaction request information in association with the interface unit 305. And an interface providing unit 310 (or interface providing means) for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 355. If a predetermined terminal-side banking program including the user interface is provided at 355, the interface providing unit 310 may be omitted.

The interface providing unit 310 is a predetermined financial transaction terminal 355 connects the communication channel with the financial transaction server 300 through the interface unit 305, and / or the recipient mobile phone through the communication channel When a financial transaction for providing a transfer service using a number is requested, the financial transaction server is input through the financial transaction request information (or selected) corresponding to the functional configuration provided in the financial transaction terminal 355 and the financial transaction server through the financial network. Generate a predetermined user interface that can be transmitted to 300, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit 305 to the financial unit. It is characterized in that it provides to the financial transaction terminal 355 through a network.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 355 is a window terminal connected to a predetermined financial network, the interface providing unit 310 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction terminal 355 and transmitting the financial transaction request information to the financial transaction server 300 through the financial network is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 310 for providing the user interface to the financial transaction terminal 355 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) financial transaction request information including at least one or more of a remitter's financial account information, a transfer amount information, an account password information, and a recipient's mobile phone number information. It is desirable to include an interface function to transmit to 300.

Referring to FIG. 3, the financial transaction server 300 includes at least one remitter financial account information, a transfer amount information, an account password information, and a payee mobile phone number information through the user interface at the financial transaction terminal 355. When the financial transaction request information is input (or selected) and transmitted, the financial transaction including at least one of the remitter's financial account information, the transfer amount information, the account password information, and the recipient's mobile phone number information in association with the interface unit 305. Validity of the information receiving unit 315 (or information receiving means) for receiving the request information and the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile number information included in the received financial transaction request information; Validation unit 325 for confirming (or validating means) and the validity in connection with the financial system The recipient mobile phone in connection with the transfer processing unit 330 (or transfer processing means) and the transfer processing unit 330 for processing a financial transaction for providing a transfer service using the payee mobile number based on the confirmed financial transaction request information. An information transmitter for generating predetermined financial transaction result information for a financial transaction for providing a transfer service using a number, and transmitting the financial transaction result information to the financial transaction terminal 355 in association with the interface unit 305. 320 (or information transmission means) and the financial transaction details processed through the financial transaction processing unit (for example, transfer history information including at least one of virtual account information based on a payee cell phone number, remitter information, and transfer amount information); It characterized in that it comprises an information storage unit 360 (or information storage means) for storing the storage medium 365.

The financial transaction terminal 355 inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile number information through the user interface. Characterized in that the transmission to the financial transaction server 300 through a network.

The information receiving unit 315 inputs the financial transaction request information including at least one of a remitter's financial account information, a transfer amount information, an account password information, and a receiver's mobile phone number information through the user interface at the financial transaction terminal 355 ( Or selects) and transmits it through the financial network, and receives the financial transaction request information in association with the interface unit 305, and sends the received financial transaction request information to the validity confirming unit 325. to provide.

The remitter financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person (for example, the name of the account holder, or the remitter financial account) CIF (Customer Information File) number, customer's financial institution information (e.g., bank name or bank code), branch information (e.g., branch code), contact information (e.g., the remitter's financial account) And a responsible person name, a person in charge code, etc.).

The transfer amount information includes a financial transaction amount withdrawn from the remitter's financial account and transferred to the remittee to provide a transfer service using the payee's mobile number, and the transfer amount is deposited in the remitter's financial account. It is characterized by not exceeding the remaining balance.

The account password information is for securing the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a transfer service using the payee cell phone number. The information may include at least one password corresponding to the remitter's financial account, or a password corresponding to the financial transaction.

The payee mobile phone number information is to use the transfer service using the payee mobile phone number through the financial transaction server 300, the transfer amount withdrawal from the remitter's financial account for the transfer to the payee, to identify the payee It is preferable to include the recipient's mobile phone number for, it may be made by including the terminal unique information and the like in addition to the mobile phone number according to the intention and purpose of those skilled in the art.

The validity verification unit 325 is characterized in that whether the financial transaction request information received from the financial transaction terminal 355 satisfies the validity for providing the transfer service using the recipient mobile number.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or an account ledger for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and when the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity of the financial transaction request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the account password information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or associated) with each other, and confirming that the various passwords corresponding to the account password information match. If the various passwords corresponding to the account password information match, the financial transaction is performed. It is desirable that the validity of the request information be authenticated.

When the validity of the financial transaction request information is confirmed, the transfer processing unit 330 is connected to a financial system equipped with an account ledger corresponding to the remitter financial account, the banker financial account information and the transfer included in the financial transaction request information. The financial transaction for providing a transfer service using the payee cell phone number is based on the amount information, the account password information, and the payee cell phone number information. The financial transaction processing result is displayed on the financial transaction server 300. The storage medium 365 is provided in association with the information storage unit 360.

According to the implementation method of the present invention, the financial transaction processing unit withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system, After generating a virtual account including an expiration date for a predetermined period based on the payee cell phone number, it is preferable to transfer the withdrawal amount to the generated virtual account.

According to another exemplary embodiment of the present invention, the financial transaction processing unit withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information in association with the financial system. After generating a virtual account based on the payee cell number, it is preferable to transfer the withdrawn money to the generated virtual account.

Here, the virtual account based on the payee cell phone number is preferably a virtual account using the remitter's financial account as a parent account, and a financial institution account as a mother account or a carrier account as a mother account according to the intention and purpose of a person skilled in the art. The payee financial account may be the parent account.

When the financial transaction for providing the transfer service using the payee mobile phone number is processed by the financial transaction processing unit, the information transmitting unit 320 is linked with the financial transaction processing unit to provide the financial service for providing the transfer service using the payee mobile phone number. Generate a financial transaction processing history including any one of financial transaction approval history or financial transaction error history for the financial network, and the financial network result information including the financial transaction processing history in connection with the interface unit 305. It is characterized in that for transmitting to the financial transaction terminal 355 through.

Here, the transaction details of the transaction is characterized in that it comprises the remitter's financial account information, the transfer amount information and the recipient's mobile phone number information, and further comprises an approval code (or error code) for the financial transaction. It features.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 355 through the financial network, and receiving the financial transaction result information. The transaction terminal 355 outputs a predetermined financial transaction receipt including the financial transaction processing history included in the predetermined financial transaction result information.

Referring to FIG. 3, the financial transaction server 300 includes an information receiver 315 (or information receiving means) for receiving a customer's mobile phone number from at least one automated device connected to the financial transaction server 300, and the information. Whether the customer's mobile number received through the receiver 315 is the recipient's connection to receive the money remitted by the remitter (ie, whether the transfer history including the mobile number is stored in the storage medium 365). As a result of confirming through the connection confirmation unit 340 (or connection confirmation means) and the connection confirmation unit 340 to confirm that, when the recipient confirms the connection, at least one or more of the remitter information and the transfer amount information to the recipient's terminal In response to the transfer approval request unit 345 (or transfer approval request means) for transmitting the transfer approval request information, and the transfer approval request sent to the recipient's terminal, transfer approval information, Transfer processing of the remaining amount excluding the withdrawal amount of the money transfer amount received by the remitter to the received money amount receiving account and the information receiving unit 315 (or information receiving means) for receiving the transfer amount receipt account information and withdrawal amount information; And a withdrawal processing unit 330 (or withdrawal processing unit) for processing the withdrawal amount of the received withdrawal through the automated device shown in FIG. When the payee accesses the financial transaction server 300, the subscriber information regarding the mobile phone number input by the payee is confirmed in connection with a mobile communication system, and the confirmed subscriber information is compared with the payee information. Characterized in that it further comprises an authentication processing unit 350 (or authentication processing means).

When a mobile phone number is input and transmitted from one or more automated devices connected to the financial transaction server 300, the information receiver 315 preferably receives the mobile phone number, and the received mobile phone number is the connection confirmation unit. 340 is provided.

The connection confirmation unit 340 is whether the customer's mobile phone number received through the information receiving unit 315 is the recipient's connection to receive the money remitted by the remitter (that is, the transfer history including the mobile phone number is Stored in the storage medium 365).

According to the implementation method of the present invention, whether the recipient is connected to the customer authentication information (or customer input or transmitted by the one or more customers connected to the financial transaction server 300 via the financial transaction terminal 355) Information), it is preferable to confirm whether or not the connection of the payee by confirming the mobile phone number of the customer and further confirming the virtual account based on the mobile phone number.

In this case, the mobile phone number-based virtual account is preferably terminated after the transfer process of the transfer amount to the account specified by the payee.

According to another exemplary embodiment of the present invention, whether or not the recipient is connected to the customer authentication information (or input) transmitted by one or more customers connected to the financial transaction server 300 through the financial transaction terminal 355 Customer information), by checking the mobile phone number of the customer, and by checking whether the amount of money deposited in the virtual account based on the mobile phone number, it is preferable to confirm whether or not the access of the payee.

As a result of checking through the connection checker 340, when it is confirmed that the recipient is connected, the transfer approval request unit 345 transfers the transfer amount to the financial account designated by the payee. To this end, transfer approval request information including at least one or more of the remitter information, the transfer amount information in connection with the interface providing unit 310, transfer approval information corresponding to the transfer approval request information, It is desirable to provide a user interface for receiving (or selecting) at least one transfer payment receipt account information.

When at least one of the transfer approval information and the transfer amount receiving account information is input (or selected) through the provided user interface, the information receiving unit 315 may input the transfer approval information, the transfer amount receiving account information, Characterized in that the withdrawal amount information is received, the received transfer approval information, transfer amount receipt account information, withdrawal amount information is provided to the transfer processing unit 330, withdrawal processing unit 335.

The transfer processing unit 330 transfers the amount deposited in the recipient's mobile number based virtual account to the received transfer amount receiving account in association with a financial system equipped with an account ledger corresponding to the recipient's mobile number based virtual account. Characterized in that the transfer process.

According to the implementation method of the present invention, the financial transaction processing unit withdraws the amount deposited in the virtual account from the account ledger corresponding to the payee cell phone number-based virtual account in connection with the financial system, and receives the transfer amount It is preferable to transfer the remaining amount except the withdrawal amount among the amounts withdrawn into the account.

Here, if the payee does not find the money for a certain period of time, it is preferable to process the return to the remitter account.

In addition, when the payee requests to withdraw an amount less than the remitted amount, a part of the withdrawal request amount is withdrawn through the automated device shown in FIG. 3, and the remaining amount is transferred to the financial account designated by the payee. It is preferable to deposit or return to the remitter's account.

The withdrawal processing unit 335 may request and process the received withdrawal amount to the automated device to withdraw money through the automated device shown in FIG. 3.

When the payee accesses the financial transaction server 300, the authentication processor 350 confirms subscriber information on the mobile phone number input by the payee in association with a mobile communication system, and confirms the confirmed subscriber information and the payee information. It is characterized by comparing and checking.

4 is a diagram illustrating a process of processing a financial transaction for providing a transfer service using a payee cell phone number in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a case in which the financial transaction server 300 on the financial transaction system shown in FIG. 3 has a ledger server function on a financial system linked to a counter terminal through a predetermined financial network. After the terminal connects to the financial transaction server 300 and connects the communication channel for the financial transaction, the remitter financial account information, the transfer amount information, and the account password information to the financial transaction server 300 through the communication channel. Sending the financial transaction request information including the payee mobile phone number information, remitter financial account information, transfer amount information, account password information, payee mobile phone included in the received financial transaction request information from the financial transaction server 300 A method of providing a financial transaction for providing a transfer service using the payee mobile number using number information. As one of ordinary skill in the art to which the present invention pertains, various aspects of the process of processing a financial transaction for providing a transfer service using a payee cell phone number in the face-to-face manner by referring to and / or modifying the drawing 4 may be used. Although the implementation method may be inferred, 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 window terminal shown in FIG. 3 is referred to as "terminal" for convenience, and the financial transaction server 300 shown in FIG. 3 is referred to as "server" for convenience.

Referring to FIG. 4, the terminal shown in FIG. 3 connects a communication channel for at least one financial transaction with the server through the financial network, and provides remitter financial account information for providing a transfer service using the payee cell number. The user interface for inputting (or selecting) financial transaction request information including at least one transfer amount information, account password information, and payee mobile phone number information is output (400).

Subsequently, a predetermined application (eg, at least one or more information for providing a transfer service using the payee cell phone number) includes at least one or more of the remitter financial account information, the transfer amount information, the account password information, and the payee cell phone number information from the customer. A document having a form for filling out an item) is completed and submitted, the terminal transmits at least the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile phone number information included in the application through the user interface. Input (or select) the financial transaction request information including one or more (405), at least the remitter's financial account information, transfer amount information, account password information, recipient's mobile phone number information through a financial network connecting the terminal and the server; Recall information on financial transaction requests that include one or more And transmits it to 415.

Here, the remitter financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the remitter according to the intention of the person skilled in the art) CIF (Customer Information File) number of the customer corresponding to the financial account, financial institution information (e.g. bank name or bank code), branch information (e.g. branch code), contact information (e.g., the remitter's financial account) Opening and responsible person name, contact person code, etc.) may further include at least one.

The transfer amount information includes a financial transaction amount withdrawn from the remitter's financial account and transferred to the remittee to provide a transfer service using the payee's mobile number, and the transfer amount is deposited in the remitter's financial account. It is characterized by not exceeding the remaining balance.

The account password information is for securing the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a transfer service using the payee cell phone number. The information may include at least one password corresponding to the remitter's financial account, or a password corresponding to the financial transaction.

The payee mobile phone number information is to use the transfer service using the payee mobile phone number through the financial transaction server 300, the transfer amount withdrawal from the remitter's financial account for the transfer to the payee, to identify the payee It is preferable to include the recipient's mobile phone number for, it may be made by including the terminal unique information, etc. in addition to the mobile phone number according to the intention and purpose of those skilled in the art.

Thereafter, the server receives and reads financial transaction request information including at least one of the remitter's financial account information, the transfer amount information, the account password information, and the recipient's mobile phone number information through the financial network, for the financial transaction request information. Validation is checked (420).

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or an account ledger for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and when the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity of the financial transaction request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the account password information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or associated) with each other, and confirming that the various passwords corresponding to the account password information match. If the various passwords corresponding to the account password information match, the financial transaction is performed. It is desirable that the validity of the request information be authenticated.

If the validity of the financial transaction request information is not authenticated (425), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (430), and the financial network The financial transaction result information including the financial transaction processing history is transmitted to the terminal through 450, and in response, the terminal prints and outputs a financial transaction receipt including the financial transaction processing history (455).

On the other hand, if the validity of the financial transaction request information is authenticated (425), the server is connected to a financial system equipped with an account ledger corresponding to the remitter financial account, the remitter financial account information, transfer included in the financial transaction request information A financial transaction for providing a transfer service using the payee cell phone number is processed based on the amount information, the account password information, and the payee cell phone number information (435).

According to the method of the present invention, the server is connected with the financial system and withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information, the payee After generating a virtual account including an expiration date for a predetermined period based on a mobile phone number, it is preferable to transfer the withdrawal amount to the generated virtual account.

According to another embodiment of the present invention, the server is connected with the financial system and withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information, After generating a virtual account based on a payee cell phone number, it is preferable to transfer the withdrawn money to the generated virtual account.

Here, the virtual account based on the payee cell phone number is preferably a virtual account using the remitter's financial account as a parent account, and a financial institution account as a mother account or a carrier account as a mother account according to the intention and purpose of a person skilled in the art. The payee financial account may be the parent account.

If a financial transaction corresponding to the financial transaction request information is processed (440), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 445, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial network. In response, the terminal receives a financial transaction receipt including the financial transaction processing history. Print out (455).

5 is a diagram illustrating a process of processing a financial transaction for providing a transfer service using a payee cell phone number in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a case in which the financial transaction server 300 on the financial transaction system shown in FIG. 3 has a ledger server function on a financial system linked to a counter terminal through a predetermined financial network. After the terminal connects to the financial transaction server 300 and connects the communication channel for the financial transaction, the customer connected to the financial transaction server 300 through the communication channel receives a transfer amount using a mobile phone number. In the case of the beneficiary, it relates to an implementation method for receiving the transfer amount and approval of the amount remitted by the remitter. If the person having ordinary skill in the art belongs to the present invention, refer to and / or modify the present invention. It is possible to infer various implementation methods for the process of processing a financial transaction for providing a transfer service using a payee cell phone number in the face-to-face manner. Would, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 5.

Hereinafter, in FIG. 5, the window terminal shown in FIG. 3 is referred to as "terminal" for convenience, and the financial transaction server 300 shown in FIG. 3 is called "server" for convenience.

Referring to FIG. 5, the terminal connects to a server to connect to a communication channel for use of a transfer service using the payee cell phone number (500), and correspondingly, the server determines whether a customer connected through the terminal is a payee. Check (505).

According to the implementation method of the present invention, whether the recipient is connected to the customer authentication information (or customer input or transmitted by the one or more customers connected to the financial transaction server 300 via the financial transaction terminal 355) Information), it is preferable to confirm whether or not the connection of the payee by confirming the mobile phone number of the customer and further confirming the virtual account based on the mobile phone number.

In this case, the mobile phone number-based virtual account is preferably terminated after the transfer process of the transfer amount to the account specified by the payee.

According to another exemplary embodiment of the present invention, whether or not the recipient is connected to the customer authentication information (or input) transmitted by one or more customers connected to the financial transaction server 300 through the financial transaction terminal 355 Customer information), by checking the mobile phone number of the customer, and by checking whether the amount of money deposited in the virtual account based on the mobile phone number, it is preferable to confirm whether or not the access of the payee.

If, as a result of the check, the connected customer is a payee (510), the server generates (or extracts) a user interface for a transfer approval request including at least one remitter information and a transfer amount information to the receiver's terminal. In operation 515, the generated (or extracted) user interface is transmitted to the terminal through the communication channel and output (520).

Thereafter, when the terminal inputs (or selects) at least one transfer approval information or a transfer amount receipt account information through the user interface (525), the server deposits the amount provided by the remitter to the transfer amount receipt account. (535).

According to the implementation method of the present invention, the financial transaction processing unit withdraws the amount deposited in the virtual account from the account ledger corresponding to the payee cell phone number-based virtual account in connection with the financial system, and receives the transfer amount It is preferable to transfer the amount withdrawn to the account.

6 is a diagram illustrating a non-face-to-face financial transaction system for providing a transfer service using a payee cell phone number according to an embodiment of the present invention.

In more detail, Figure 6 shows that a predetermined customer provides a banking account information, a transfer amount information, an account password information, a payee cell phone number information for providing a transfer service using the payee cell phone number to a financial transaction system through a predetermined financial transaction interface. When providing the financial transaction request information including at least one, the financial transaction system using the remitter financial account information, transfer amount information, account password information, recipient mobile number information contained in the provided financial transaction request information; The present invention relates to a system for providing a financial transaction for providing a transfer service using a payee cell phone number. If a person of ordinary skill in the art belongs to the present invention, the payee cell phone number may be changed by referring to and / or modifying the present invention. Financial close to provide transfer service using Would be able to infer a variety of exemplary methods for the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

Hereinafter, at least one of providing a financial transaction for providing a transfer service using the payee mobile number using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. Components corresponding to the above means and / or functional configuration are referred to as " financial transaction server 600 " for convenience, and in FIG. 6 providing the non-face-to-face financial transaction service, the financial transaction server 600 is Internet banking. It is preferable to include all types of non-face-to-face banking servers including at least one server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 6 according to an embodiment of the present invention, a financial transaction system for providing a transfer service using the payee cell number includes a client terminal including at least one wired terminal and / or a wireless terminal used by a customer. A financial transaction terminal 665 including at least one, a network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 665 is connected, and the financial transaction terminal 665 through the network means. It is characterized in that it comprises a financial transaction server 600 connected to process the financial transaction for providing a transfer service using the payee mobile phone number and the financial system opened the remitter financial account.

The financial system that processes the at least one financial transaction service through the remitter financial account in connection with the financial transaction server 600 may include at least one window terminal provided at a branch (and / or a branch) of the financial institution. It is characterized in that it is connected through a financial network (eg, our network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop, a laptop equipped with the wireless LAN / portable Internet connection and a browsing function, and / or a mobile terminal.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one wireless terminal (e.g., wireless terminal equipped with a financial IC chip) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. Through IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 6, the financial system is a computer system provided in a 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 branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), 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 And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person 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. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). Characterized in that the link is processed and stored, the ledger information is the remitter financial account It characterized by comprising the response to a given account ledger.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the customer connects to the financial transaction server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial transaction request information for providing a transfer service using the payee cell phone number is input (or selected) through at least one user interface provided by the financial transaction server 600, the client terminal receives a predetermined network means. It is preferable to transmit to the financial transaction server 600 provided on the financial transaction system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals (Personal Digital Assistant; PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the financial transaction server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the financial transaction server 600 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial transaction server 600, and inputs and / or selects at least one or more information through the user interface to the financial transaction server 600. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the financial transaction server 600, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the financial transaction system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 600; And / or the wireless communication network performs a function of a financial transaction interface for registering the financial transaction request information for the customer to provide a transfer service using the payee cell phone number.

According to another exemplary embodiment of the present invention, the financial transaction terminal 665 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 665 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automated device (not shown), and the financial transaction server are described. The financial network connecting 600 performs a function of a financial transaction interface for registering financial transaction request information for providing a transfer service using the payee mobile number, and / or the financial transaction terminal 665. In the case of the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 600 may be used by the customer. Perform a function of a financial transaction interface for registering financial transaction request information for providing a transfer service using a mobile phone number, and / or the financial transaction stage In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is 665, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and the network connecting the financial transaction server 600 performs a function of a financial transaction interface for registering the financial transaction request information for the customer to provide a transfer service using the payee cell phone number.

The financial transaction server 600 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 665 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 665 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server 600 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program included in the server (or device), and / or external to the financial system accessible through the Internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, whereby the present invention It shall be defined.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial transaction server 600 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server 600 may perform the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial transaction server 600 may be configured as described above. A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The financial transaction request information transmitted from the financial transaction terminal 665 for providing a transfer service using the payee cell phone number to the financial transaction server 600 may include predetermined remitter financial account information, transfer amount information, and account password information. At least one payee mobile phone number information, characterized in that consisting of.

The remitter financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the skilled person (for example, the name of the account holder, or the remitter financial account) CIF (Customer Information File) number of the corresponding customer, financial institution information (e.g., bank name, or bank code), branch information (e.g., branch code), contact information (e.g., opening the remitter's financial account and Name of a responsible person in charge, a person in charge code, etc.) may be further included.

The transfer amount information includes a financial transaction amount withdrawn from the remitter's financial account and transferred to the remittee to provide a transfer service using the payee's mobile number, and the transfer amount is deposited in the remitter's financial account. It is characterized by not exceeding the remaining balance.

The account password information is for securing the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a transfer service using the payee cell phone number. The information may include at least one password corresponding to the remitter's financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system for providing a transfer service using the payee cell phone number is made through a non-face-to-face channel, the account password information is characterized in that the account password information in the process of opening the remitter financial account It is preferable to further comprise at least one or more security code information provided in the security card provided to the customer, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer. .

In addition, the financial transaction system shown in Figure 6, characterized in that the financial transaction for providing a transfer service using the payee cell phone number is made through a non-face-to-face channel, the account password information is the financial transaction terminal (665) (Or based on the authentication certificate information included in the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 665, or at least one encryption key included in the authentication certificate). Preferably, the financial transaction request information is further encrypted, or the electronic transaction signature of the customer is attached to the financial transaction request information.

The payee mobile phone number information is to identify the payee for processing the transfer of the transfer amount withdrawn from the financial account of the remitter when using the transfer service using the payee mobile phone number through the financial transaction server 600; It is preferable to include the recipient's mobile phone number for, it may be made by including the terminal unique information, etc. in addition to the mobile phone number according to the intention and purpose of those skilled in the art.

According to an embodiment of the present invention, the financial transaction server 600 includes an interface unit 605 for connecting and managing a predetermined communication channel with the financial transaction terminal 665 through the network means. do.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 665 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 605 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial transaction server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a financial automatic device connected to a predetermined financial network, the interface unit 605 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 may include a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial transaction server 600, the interface unit 605 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is connected to the wired telephone network and / or Alternatively, it is preferable to connect the call terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 may use a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, the financial transaction server 600 connects a communication channel with a predetermined financial transaction terminal 665 to the financial transaction server 600 through the interface unit 605, and / or the communication. When a financial transaction for providing a transfer service using the payee cell number is requested through a channel, the financial transaction terminal 665 inputs (or selects) predetermined financial transaction request information in cooperation with the interface unit 605. And an interface providing unit 610 for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 665. The user interface is provided to the financial transaction terminal 665. If a predetermined terminal-side banking program including a, the interface providing unit 610 is preferably omitted.

The interface providing unit 610 is provided in the financial transaction terminal 665 after a predetermined financial transaction terminal 665 connects a communication channel with the financial transaction server 600 through the interface unit 605. Corresponding to the functional configuration, generate a predetermined user interface capable of inputting (or selecting) the financial transaction request information and transmitting it to the financial transaction server 600 via the network means, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 605 to the financial transaction terminal 665 through the network means.

According to an embodiment of the present invention, when the financial transaction terminal 665 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 610 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 605 to the client. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a financial automatic device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may call the call terminal ( Generate (or extract) a predetermined user interface that can be provided by (not shown), and generate the user interface (eg, ARS based user interface) through the interface unit 605 to the call terminal (shown). Omit).

According to another exemplary embodiment of the present invention, when the financial transaction terminal 665 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 610 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

According to another exemplary embodiment of the present invention, the financial transaction terminal 665 includes at least one user interface for inputting (or selecting) the financial transaction request information to the financial transaction server 600 through the network means. When a predetermined terminal-side banking program is provided, the interface providing unit 610 for providing the user interface to the financial transaction terminal 665 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) financial transaction request information including at least one or more of a remitter's financial account information, a transfer amount information, an account password information, and a recipient's mobile phone number information. It is desirable to include an interface function to transmit to 600.

Referring to FIG. 6, the financial transaction server 600 includes at least one remitter financial account information, a transfer amount information, an account password information, and a payee cell phone number information through the user interface at the financial transaction terminal 665. When the financial transaction request information is input (or selected) and transmitted, the financial transaction including at least one of the remitter's financial account information, the transfer amount information, the account password information, and the recipient's mobile phone number information in association with the interface unit 605. Validity of the information receiving unit 615 (or information receiving means) for receiving the request information and the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile phone number information included in the received financial transaction request information; Validation unit 625 for confirming (or validating means) and the validity in connection with the financial system The financial transaction processing unit (or financial transaction processing unit) for processing a financial transaction for providing a transfer service using the payee mobile phone number based on the confirmed financial transaction request information, and the recipient mobile phone number in connection with the financial transaction processing unit. An information transmitter 620 which generates predetermined financial transaction result information for a financial transaction for providing a transfer service and transmits the financial transaction result information to the financial transaction terminal 665 in association with the interface unit 605. (Or information transmission means) and a financial transaction history processed through the financial transaction processing unit (e.g., transfer history information including at least one of virtual account information based on the recipient's mobile number, remitter information, and transfer amount information) And an information storage unit 660 (or information storage means) stored in 665. The.

The financial transaction terminal 665 inputs (or selects) the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile number information through the user interface. It is characterized in that for transmitting to the financial transaction server 600 through the means.

The information receiving unit 615 inputs the financial transaction request information including at least one of remitter financial account information, transfer amount information, account password information, and payee mobile phone number information through the user interface at the financial transaction terminal 665 ( Or select) to transmit through the network means, the financial transaction request information is received in connection with the interface unit 605, and the received financial transaction request information is sent to the validity confirming unit 625. to provide.

The remitter financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the customer, according to the intention of the person skilled in the art (for example, the name of the account holder, or the remitter financing) Opening the customer's CIF (Customer Information File) number corresponding to the account, financial institution information (e.g. bank name or bank code), branch information (e.g. branch code), contact information (e.g., the remitter's financial account) And a responsible person name, a person in charge code, etc.).

The transfer amount information includes a financial transaction amount withdrawn from the remitter's financial account and transferred to the remittee to provide a transfer service using the payee's mobile number, and the transfer amount is deposited in the remitter's financial account. It is characterized by not exceeding the remaining balance.

The account password information is for securing the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a transfer service using the payee cell phone number. The information may include at least one password corresponding to the remitter's financial account, or a password corresponding to the financial transaction.

In addition, due to the characteristics of the financial transaction system shown in Figure 6, characterized in that the financial transaction for providing a transfer service using the payee cell phone number is made through a non-face-to-face channel, the account password information is the remitter's financial account opening process At least one or more security code information (e.g., one or more security codes, or a combination of two or more security codes) provided on the security card provided to the customer, and / or provided to the customer One Tome Password It is preferable that it further comprises an OTP code generated through the generator.

In addition, the financial transaction system shown in Figure 6, characterized in that the financial transaction for providing a transfer service using the payee cell phone number is made through a non-face-to-face channel, the account password information is the financial transaction terminal (665) (Or based on the authentication certificate information included in the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 665, or at least one encryption key included in the authentication certificate). Preferably, the financial transaction request information is further encrypted, or the electronic transaction signature of the customer is attached to the financial transaction request information.

The payee mobile phone number information is to identify the payee for processing the transfer of the transfer amount withdrawn from the financial account of the remitter when using the transfer service using the payee mobile phone number through the financial transaction server 600; It is preferable to include the recipient's mobile phone number for, it may be made by including the terminal unique information in addition to the mobile phone number according to the intention and purpose of those skilled in the art.

The validity confirming unit 625 checks whether the financial transaction request information received from the financial transaction terminal 665 satisfies the validity for providing a transfer service using a payee cell phone number.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or an account ledger for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and when the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity of the financial transaction request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the account password information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or associated) with each other, and confirming that the various passwords corresponding to the account password information match. If the various passwords corresponding to the account password information match, the financial transaction is performed. It is desirable that the validity of the request information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 6, when the account password information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. A security code corresponding to the account password information in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the remitter financial account; It is preferable to include whether the information is matched, and if the security code information corresponding to the account password information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system illustrated in FIG. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the account password information and the OTP authentication code It is preferable that the identification is made, and if the OTP code corresponding to the account password information is matched with the OTP authentication code, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system illustrated in FIG. In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system illustrated in FIG. In this case, the validity verification of the financial transaction request information confirms the electronic signature of the customer for the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit is connected with a financial system equipped with an account ledger corresponding to the remitter financial account, the remitter financial account information and the transfer amount information included in the financial transaction request information. Characterized in that for processing a financial transaction for providing a transfer service using the payee cell phone number based on account password information and payee cell phone number information, and the financial transaction processing result is provided on the financial transaction server 600. The storage medium 665 is stored in association with the information storage unit 660.

According to the implementation method of the present invention, the financial transaction processing unit withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system, After generating a virtual account including an expiration date for a predetermined period of time based on the payee cell phone number, it is preferable to transfer the withdrawn money to the generated virtual account.

According to another embodiment of the present invention, the financial transaction processing unit withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information in connection with the financial system; And after generating a virtual account based on the payee cell phone number, it is preferable to transfer the withdrawal amount to the generated virtual account.

Here, the virtual account based on the payee cell phone number is preferably a virtual account using the remitter's financial account as a parent account, and a financial institution account as a mother account or a carrier account as a mother account according to the intention and purpose of a person skilled in the art. The payee financial account may be the parent account.

When the financial transaction for providing the transfer service using the payee mobile phone number is processed by the financial transaction processing unit, the information transmission unit 620 is connected with the financial transaction processing unit to provide the financial transaction for providing the transfer service using the payee mobile phone number. Generate a financial transaction processing history including any of financial transaction approval history or financial transaction error history for the network means, and in connection with the interface unit 605, the financial transaction result information including the financial transaction processing history; It is characterized in that for transmitting to the financial transaction terminal 665 through.

Here, the transaction details of the transaction is characterized in that it comprises the remitter's financial account information, the transfer amount information and the recipient's mobile phone number information, and further comprises an approval code (or error code) for the financial transaction. It features.

The financial transaction result information may include a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 665 through the network means. The financial transaction result information may include the financial transaction. It is preferable that the information is encrypted similarly to the request information or transmitted to the financial transaction terminal 665 with the electronic signature of the financial institution attached.

Referring to FIG. 6, the financial transaction server 600 includes an information receiver 615 (or information receiving means) for receiving a customer cell phone number from at least one automated device connected to the financial transaction server 600, and the information. Whether the customer's mobile number received through the receiver 615 is the recipient's connection to receive the money remitted by the remitter (ie, whether the transfer history including the mobile number is stored in the storage medium 665). As a result of confirming through the connection confirmation unit 640 (or connection confirmation means) and the connection confirmation unit 640 to confirm that, when the recipient confirms the connection, at least one or more of the remitter information and the transfer amount information to the recipient's terminal In response to the transfer approval request unit 645 (or transfer approval request means) for transmitting the transfer approval request information, and the transfer approval request sent to the recipient's terminal, transfer approval information, Transfer processing of the remaining amount excluding the withdrawal amount among the amount of money transferred by the remitter to the received money amount receiving account and the information receiving unit 615 (or information receiving means) for receiving the money amount information of the transfer amount and withdrawal amount information; And a withdrawal processing unit 630 (or withdrawal processing means) for processing the withdrawal amount of the received withdrawal through the automated device shown in FIG. When the payee is connected to the financial transaction server 600, the subscriber information about the mobile phone number input by the payee in conjunction with the mobile communication system, and compares the confirmed subscriber information with the payee information It is characterized in that it further comprises an authentication processing unit 650 (or authentication processing means).

When a mobile phone number is input and transmitted from one or more automated devices connected to the financial transaction server 600, the information receiver 615 preferably receives the mobile phone number, and the received mobile phone number is the connection confirmation unit. Provided at 640.

The connection confirmation unit 640 is whether the customer's mobile phone number received through the information receiving unit 615 is the recipient's connection to receive the money remitted by the remitter (that is, the transfer history including the mobile phone number is stored in the store). Is stored in the medium 665).

According to the implementation method of the present invention, whether or not the recipient is connected to the customer authentication information (or customer input and input by the one or more customers connected to the financial transaction server 600 via the financial transaction terminal 665) Information), it is preferable to confirm whether or not the connection of the payee by confirming the mobile phone number of the customer and further confirming the virtual account based on the mobile phone number.

In this case, the mobile phone number-based virtual account is preferably terminated after the transfer process of the transfer amount to the account specified by the payee.

According to another exemplary embodiment of the present invention, whether the payee is connected may be determined by the customer authentication information (or input) transmitted by one or more customers connected to the financial transaction server 600 through the financial transaction terminal 665. Customer information), by checking the mobile phone number of the customer, and by checking whether the amount of money deposited in the virtual account based on the mobile phone number, it is preferable to confirm whether or not the access of the payee.

As a result of checking through the access checker 640, when it is confirmed that the payee is connected, the transfer approval request unit 645 transfers the transfer approval for depositing the amount remitted by the remitter to the financial account designated by the payee. To this end, transfer approval request information including at least one or more of the remitter information, the transfer amount information in connection with the interface providing unit 610, transfer approval information, transfer in response to the transfer approval request information It is desirable to provide a user interface for receiving (or selecting) at least one piece of money receipt account information.

When at least one of the transfer approval information and the transfer amount receiving account information is input (or selected) through the provided user interface, the information receiving unit 615 may input the transfer approval information, the transfer amount receiving account information, Characterized in that the withdrawal amount information is received, the received transfer approval information, transfer amount receipt account information, withdrawal amount information is provided to the transfer processing unit 630 and withdrawal processing unit 635.

The transfer processing unit 630 transfers the amount deposited in the recipient's mobile number based virtual account to the received transfer amount receiving account in association with a financial system equipped with an account ledger corresponding to the recipient's mobile number based virtual account. Characterized in that the transfer process.

According to the implementation method of the present invention, the financial transaction processing unit withdraws the amount deposited in the virtual account from the account ledger corresponding to the payee cell phone number-based virtual account in connection with the financial system, and receives the transfer amount It is preferable to transfer the remaining amount except the withdrawal amount among the amounts withdrawn to the account.

Here, if the payee does not find the money for a certain period of time, it is preferable to process the return to the remitter account.

In addition, when the payee requests to withdraw an amount less than the remitted amount, a part of the withdrawal request amount is withdrawn through the automated device shown in FIG. 3, and the remaining amount is transferred to the financial account designated by the payee. It is preferable to deposit or return to the remitter's account.

The withdrawal processing unit 635 may request and process the received withdrawal amount to the automated device to withdraw money through the automated device shown in FIG. 3.

The authentication processing unit 650, when the payee is connected to the financial transaction server 600, confirms the subscriber information on the mobile phone number entered by the payee in connection with the mobile communication system, the confirmed subscriber information and the payee information It is characterized by comparing and checking.

7 is a diagram illustrating a process of processing a financial transaction for providing a transfer service using a payee mobile phone number in a non-face-to-face manner to provide a transfer service using a payee mobile phone number according to an embodiment of the present invention.

In more detail, FIG. 7 illustrates a case where the financial transaction server 600 on the financial transaction system illustrated in FIG. 6 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server 600 and connecting a communication channel for the financial transaction, the financial account information, transfer amount information, account password information, the remitter financial information to the financial transaction server 600 through the communication channel, When the financial transaction request information including the payee cell phone number information is transmitted, the remitter financial account information, the transfer amount information, the account password information, the payee cell phone number included in the received financial transaction request information in the financial transaction server 600; A room that provides financial transactions for providing a transfer service using the payee mobile number using information. As a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to process a financial transaction for providing a transfer service using a recipient cell number in the non-face-to-face manner. Various implementation methods for the process may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the client terminal shown in FIG. 6 is referred to as "terminal" for convenience, and the financial transaction server 600 shown in FIG. 6 is referred to as "server" for convenience.

Referring to FIG. 7, the terminal shown in FIG. 6 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, and And / or request a financial transaction for the transfer service using the payee cell number (700) by accessing the server through an HSDPA-based wireless communication network and / or an IEEE 802.16x-based mobile Internet (700). The user interface includes a user interface for inputting (or selecting) financial transaction request information including at least one or more of a remitter's financial account information, a transfer amount information, an account password information, and a payee mobile phone number information for providing a transfer service using the payee mobile phone number. A web page is generated (or extracted) and transmitted to the terminal through the communication channel and output (step 705).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the account password information, and the payee mobile phone number information through the user interface (710).

If the terminal receives (or selects) financial transaction request information including the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile phone number information (715), the terminal receives the Sending the input (or selection) of the remitter financial account information, the transfer amount information, account password information, the recipient mobile phone number information to the server (720), and the input (or through the communication channel) from the terminal Optionally transmitting the remitter's financial account information, the transfer amount information, the account password information, and the payee mobile phone number information to the server, the security provided in the terminal to the financial transaction request information input (or selected) through the user interface Further comprising transmitting to the server by digitally signing and / or encrypting through a module (not shown). It is desirable to lose.

Here, the remitter financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the remitter according to the intention of the skilled person) CIF (Customer Information File) number of the customer corresponding to the financial account, financial institution information (e.g. bank name or bank code), branch information (e.g. branch code), contact information (e.g., the remitter's financial account) Opening and responsible person name, contact person code, etc.) may further include at least one.

The transfer amount information includes a financial transaction amount withdrawn from the remitter's financial account and transferred to the payee for providing a transfer service using the payee's mobile number, and the transfer amount is included in the remitter's financial account. It is characterized in that it does not exceed the remaining balance deposited.

The account password information is for securing the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a transfer service using the payee cell phone number. The information may include at least one password corresponding to the remitter's financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system for providing a transfer service using the payee cell phone number is made through a non-face-to-face channel, the account password information is characterized in that the account password information in the process of opening the remitter financial account It is preferable to further comprise at least one or more security code information provided in the security card provided to the customer, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer. .

In addition, the financial transaction system shown in Figure 6, characterized in that the financial transaction for providing a transfer service using the payee cell phone number is made through a non-face-to-face channel, the account password information is the financial transaction terminal (665) (Or at least one encryption key included in the authentication certificate information included in the IC card of the customer interlocked through the IC (Integrated Circuit) card reader provided in the financial transaction terminal 665) or the authentication certificate. Preferably, the method further comprises encrypting the financial transaction request information or attaching the electronic signature of the customer to the financial transaction request information.

The payee mobile phone number information is to identify the payee for processing the transfer of the transfer amount withdrawn from the financial account of the remitter when using the transfer service using the payee mobile phone number through the financial transaction server 600; It is preferable to include the recipient's mobile phone number for, it may be made by including the terminal unique information, etc. in addition to the mobile phone number according to the intention and purpose of those skilled in the art.

Thereafter, the server receives and reads financial transaction request information including at least one of the remitter's financial account information, the transfer amount information, the account password information, and the recipient's mobile phone number information through the communication channel. Checking the validity (725), and checking the validity of the financial transaction request information, if the financial transaction request information is electronic signature and / or encrypted through a security module (not shown) provided in the terminal, Decrypting the financial transaction request information, and / or decrypting the financial transaction request information is preferably made.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or an account ledger for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and when the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity of the financial transaction request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the account password information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or associated) with each other, and checking whether the various passwords corresponding to the account password information match. If the various passwords corresponding to the account password information match, the financial transaction is performed. It is desirable that the validity of the request information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 6, when the account password information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. A security code corresponding to the account password information in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the remitter financial account; It is preferable to include whether the information is matched, and if the security code information corresponding to the account password information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 6, when the account password information further includes a predetermined OTP code, the validity of the financial transaction request information may be determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the account password information is the OTP authentication code It is preferable that the identification is made, and if the OTP code corresponding to the account password information is matched with the OTP authentication code, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system illustrated in FIG. In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 6, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (730), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (735), and the communication channel In operation 755, the financial transaction result information including the financial transaction processing history is transmitted to the terminal. In response, the terminal outputs the financial transaction result including the financial transaction processing history (760).

On the other hand, if the validity of the financial transaction request information is authenticated (730), the server is connected to the financial system equipped with an account ledger corresponding to the remitter financial account, the remitter financial account information, transfer included in the financial transaction request information A financial transaction for providing a transfer service using the payee cell phone number is processed based on the amount information, the account password information, and the payee cell phone number information (740).

According to the method of the present invention, the server is connected with the financial system and withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information, the payee After generating a virtual account including an expiration date for a predetermined period based on a mobile phone number, it is preferable to transfer the withdrawal amount to the generated virtual account.

According to another embodiment of the present invention, the server is connected with the financial system and withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information, After generating a virtual account based on the payee cell phone number, it is preferable to transfer the withdrawn money to the generated virtual account.

Here, the virtual account based on the payee cell phone number is preferably a virtual account using the remitter's financial account as a parent account, and a financial institution account as a mother account or a carrier account as a mother account according to the intention and purpose of a person skilled in the art. The payee financial account may be the parent account.

If a financial transaction corresponding to the financial transaction request information is processed (745), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 750, the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the communication channel, in response to the financial transaction result including the financial transaction processing history. The screen outputs (760).

8A and 8B illustrate a process of processing a financial transaction for providing a transfer service using a payee mobile phone number in a non-face-to-face manner in order to provide a transfer service using a payee mobile phone number according to another exemplary embodiment of the present invention. .

In more detail, FIGS. 8A and 8B illustrate that when the financial transaction system shown in FIG. 6 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends predetermined financial transaction request information for providing a transfer service using a payee cell number to the Internet banking server. When the financial transaction request information including the remitter financial account information, the transfer amount information, the account password information, and the payee mobile phone number information is transmitted, the financial transaction server 600 includes the remitter financial account included in the received financial transaction request information. Information, transfer amount information, account password information, payee mobile phone number information The present invention relates to a method of providing a financial transaction for providing a transfer service using a payee cell phone number. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 8a and 8b. By using a non-face-to-face non-face-to-face in addition to the Internet banking, various implementation methods for processing a financial transaction for providing a transfer service using a payee cell number may be inferred, but the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 8A and 8B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 8A and 8B and between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal. Financial transaction Although an implementation method of linking an internet banking-based financial transaction channel for information registration may be inferred, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby limiting the present invention. Not.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 8A and 8B, in addition to the Internet banking system, to provide a telebanking system. And / or correspond to each non-face-to-face channel for financial transaction processing for providing a transfer service using the payee cell phone number in all other non-face-to-face banking systems including at least one of a wireless banking system and / or a TV banking system. It would be possible to infer an implementation method of connecting a financial transaction channel, but the present invention is directed to all of the telebanking system and / or wireless banking system and / or the TV banking system and / or any of the following non-faceted channel banking systems. The technical configuration of the present invention includes a non-face-to-face channel-based financial transactions of the present invention. It is by no means limited to the case of internet banking shown in a and FIG. 8b.

8A and 8B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server 600 is referred to as a "server" for convenience.

8A and 8B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (800a), the server communicates between the terminal and the server through the browser. (805a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal to the terminal and transmitted to the terminal, the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal 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 or more information (and May allocate a communication channel for transmitting and receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (810a).

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

If a predetermined security module is to be loaded and / or updated in the terminal (815a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (820a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (825a), or if the terminal does not need to install and / or update the Internet banking security module (815a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (830a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or a decryption algorithm) corresponding to the rhythm), and the information to be provided to the server for registering financial transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) and / or is provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided to the server for registering financial transaction request information in the terminal. Attach a predetermined digital signature to information (or data) to be Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

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 (835a).

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 and / or encrypted 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 according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Requesting 840a, the server (and / or authentication server) authenticates the 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. (845a).

If the Internet banking customer authentication fails (850a), the server blocks the Internet banking secure channel for the terminal (855a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (860a), where the Internet banking based The financial transaction channel refers to a financial transaction request information including at least one of the remitter's financial account information, the transfer amount information, the account password information, and the recipient's mobile phone number information from the terminal to the server. Means a communication channel that can process financial transactions.

Thereafter, the terminal requests an internet banking-based financial transaction for providing a transfer service using the payee cell phone number to the server through the financial transaction channel (800b), and correspondingly, the server transfers the transfer using the payee cell phone number. Generating (or extracting) a web page including a user interface for inputting (or selecting) financial transaction request information including at least one or more of a remitter's financial account information, a transfer amount information, an account password information, and a payee mobile phone number information for providing a service; In step 805b, the terminal transmits the signal to the terminal through the financial transaction channel and outputs the terminal 805b.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the account password information, and the payee mobile phone number information through the user interface (810b).

If the terminal receives (or selects) financial transaction request information including the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile phone number information (815b), the terminal receives the financial information through the user interface. The sender financial account information, the transfer amount information, the account password information, and the recipient mobile phone number information are transmitted to the server through the transaction channel (820b), and the terminal transmits the input through the financial transaction channel ( Or)) transmitting the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile phone number information to the server, wherein the financial transaction request information input (or selected) through the user interface is provided in the terminal. It further comprises transmitting to the server by digital signature and / or encryption through a security module (not shown) It is preferable to make it.

Here, the remitter financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account of the customer name, customer information (for example, the name of the account holder, or the remitter according to the intention of the skilled person) CIF (Customer Information File) number of the customer corresponding to the financial account, financial institution information (e.g. bank name or bank code), branch information (e.g. branch code), contact information (e.g., the remitter's financial account) Opening and responsible person name, contact person code, etc.) may further include at least one.

The transfer amount information includes a financial transaction amount withdrawn from the remitter's financial account and transferred to the remittee to provide a transfer service using the payee's mobile number, and the transfer amount is deposited in the remitter's financial account. It is characterized by not exceeding the remaining balance.

The account password information is for securing the validity of at least one or more of confidentiality, authentication, integrity and nonrepudiation of the financial transaction for providing a transfer service using the payee cell phone number. The information may include at least one password corresponding to the remitter's financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system for providing a transfer service using the payee cell phone number is made through a non-face-to-face channel, the account password information is characterized in that the account password information in the process of opening the remitter financial account It is preferable to further comprise at least one or more security code information provided in the security card provided to the customer, and / or further comprises an OTP code generated through the One Tome Password (OTP) generator provided to the customer. .

In addition, the financial transaction system shown in Figure 6, characterized in that the financial transaction for providing a transfer service using the payee cell phone number is made through a non-face-to-face channel, the account password information is the financial transaction terminal (665) (Or based on the authentication certificate information included in the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 665, or at least one encryption key included in the authentication certificate). Preferably, the financial transaction request information is further encrypted, or the electronic transaction signature of the customer is attached to the financial transaction request information.

The payee mobile phone number information is to identify the payee for processing the transfer of the transfer amount withdrawn from the financial account of the remitter when using the transfer service using the payee mobile phone number through the financial transaction server 600; It is preferable to include the recipient's mobile phone number for, it may be made by including the terminal unique information, etc. in addition to the mobile phone number according to the intention and purpose of those skilled in the art.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the account password information, and the recipient mobile number information through the financial transaction channel to the financial transaction request information. Checking the validity of the financial transaction request information (825b), when the financial transaction request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, Preferably, the method further comprises decrypting the financial transaction request information and / or decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or an account ledger for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and when the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity of the financial transaction request information is confirmed in the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the account password information included in the financial transaction request information and the remitter financial account And comparing the various passwords (or associated) with each other, and confirming that the various passwords corresponding to the account password information match. If the various passwords corresponding to the account password information match, the financial transaction is performed. It is desirable that the validity of the request information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 6, when the account password information further includes predetermined security code information, the validity check on the financial transaction request information is performed by the security code information. A security code corresponding to the account password information in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the remitter financial account; It is preferable to include whether the information is matched, and if the security code information corresponding to the account password information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 6, when the account password information further includes a predetermined OTP code, the validity of the financial transaction request information may be determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the account password information is the OTP authentication code It is preferable that the identification is made, and if the OTP code corresponding to the account password information is matched with the OTP authentication code, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 6, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 665, or an authorization issued to a customer). In the case of encryption through a cryptographic key included in a certificate), the validity check of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not the decryption is normally performed, and if the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 6, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (830b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (835b), and the financial transaction The financial transaction result information including the financial transaction processing history is transmitted to the terminal through a channel (855b). In response, the terminal outputs the financial transaction result including the financial transaction processing history (860b).

On the other hand, if the validity of the financial transaction request information is authenticated (830b), the server is connected to the financial system equipped with an account ledger corresponding to the remitter financial account, the remitter financial account information, transfer included in the financial transaction request information A financial transaction for providing a transfer service using the payee mobile phone number is processed based on the amount information, the account password information, and the payee mobile phone number information (840b).

According to the method of the present invention, the server is connected with the financial system and withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information, the payee After generating a virtual account including an expiration date for a predetermined period based on a mobile phone number, it is preferable to transfer the withdrawal amount to the generated virtual account.

According to another embodiment of the present invention, the server is connected with the financial system and withdraws the amount corresponding to the transfer amount information from the account ledger corresponding to the remitter financial account information included in the financial transaction request information, After generating a virtual account based on a payee cell phone number, it is preferable to transfer the withdrawn money to the generated virtual account.

Here, the virtual account based on the payee cell phone number is preferably a virtual account using the remitter's financial account as a parent account, and a financial institution account as a mother account or a carrier account as a mother account according to the intention and purpose of a person skilled in the art. The payee financial account may be the parent account.

If a financial transaction corresponding to the financial transaction request information is processed (845b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. And a financial transaction result information including the financial transaction processing history through the financial transaction channel (850b) to the terminal (855b), and the terminal corresponding to the financial transaction result including the financial transaction processing history. Screen is output (860b).

9 is a diagram illustrating a process of processing a financial transaction for providing a transfer service using a payee cell phone number in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a case in which the financial transaction server 600 on the financial transaction system illustrated in FIG. 6 has a ledger server function on a financial system linked to a counter terminal through a predetermined financial network. After the terminal connects to the financial transaction server 600 and connects the communication channel for the financial transaction, the customer connected to the financial transaction server 600 through the communication channel receives a transfer amount using a mobile phone number. In the case of the beneficiary, it relates to an implementation method of receiving the transfer amount and the approval of the amount remitted by the remitter. If the person skilled in the art belongs to the present invention, the present invention will be referred to and / or modified. It is possible to infer various implementation methods for the process of processing a financial transaction for providing a transfer service using a payee cell phone number in the face-to-face manner. Would, in the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 9.

Hereinafter, in FIG. 9, the window terminal shown in FIG. 6 is referred to as "terminal" for convenience, and the financial transaction server 600 shown in FIG. 6 is called "server" for convenience.

Referring to FIG. 9, the terminal connects to a server to connect to a communication channel for use of a transfer service using the payee cell phone number (900), and correspondingly, the server determines whether a customer connected through the terminal is a payee. Check (905).

According to the implementation method of the present invention, whether or not the recipient is connected to the customer authentication information (or customer input and input by the one or more customers connected to the financial transaction server 600 via the financial transaction terminal 665) Information), it is preferable to confirm whether or not the connection of the payee by confirming the mobile phone number of the customer and further confirming the virtual account based on the mobile phone number.

In this case, the mobile phone number-based virtual account is preferably terminated after the transfer process of the transfer amount to the account specified by the payee.

According to another exemplary embodiment of the present invention, whether the payee is connected may be determined by the customer authentication information (or input) transmitted by one or more customers connected to the financial transaction server 600 through the financial transaction terminal 665. Customer information), by checking the mobile phone number of the customer, and by checking whether the amount of money deposited in the virtual account based on the mobile phone number, it is preferable to confirm whether or not the access of the payee.

If, as a result of the check, the connected customer is a payee (910), the server generates (or extracts) a user interface for a transfer approval request including at least one remitter information and a transfer amount information to the receiver's terminal. In operation 920, the generated (or extracted) user interface is transmitted to the terminal through the communication channel and output (920).

Thereafter, when the terminal inputs (or selects) at least one transfer approval information and a transfer amount receipt account information through the user interface (925), the server deposits the amount provided by the remitter into the transfer amount receipt account. (935)

According to the implementation method of the present invention, the financial transaction processing unit withdraws the amount deposited in the virtual account from the account ledger corresponding to the payee cell phone number-based virtual account in connection with the financial system, and receives the transfer amount It is preferable to transfer the amount withdrawn to the account.

According to the present invention, even if you do not know the other party's financial account using the mobile phone number has the advantage of being able to transfer money.

According to the present invention, when the money is transferred to the payee account, if the other party does not receive the automatic return processing, there is an advantage that can be easily confirmed whether the receipt.

According to the present invention, it is possible to process the withdrawal through the automated device, the remaining amount other than the amount withdrawn through the automated device has the advantage that the deposit can be processed into the account.

Claims (4)

Storing the transfer history information on the storage medium including the virtual account information linked to the payee cell phone number and the transfer amount information withdrawn from the sender account and deposited in the virtual account; Receiving a payee cell phone number via a cell phone number input interface output to the automated teller machine; Check whether there is a virtual account linked to the received payee cell number in association with the storage medium, and if a virtual account linked to the received payee cell number exists, includes the transfer amount information deposited in the virtual account. Confirming the transfer history; When the transfer history is confirmed, the transfer history information is transmitted to the automated teller machine, so that the transfer history is output on the screen of the automated teller machine, and withdrawal of the entire transfer amount (or part) corresponding to the transfer history. Processing to output an information input interface for inputting one or more withdrawal amount information for the payment information and payee designated account information for depositing all (or a part) of the transfer amount corresponding to the transfer details; Recipient designation for depositing all (or part) of the withdrawal amount information for withdrawing the whole (or part) of the transfer amount corresponding to the transfer history and the transfer amount corresponding to the transfer history through the interface output to the automated teller machine If one or more account information is transmitted, receiving it; And processing the transfer amount deposited in the virtual account in response to the received information. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Information storage means for storing, on a storage medium, transfer history information including virtual account information linked to a payee cell phone number and transfer money information withdrawn from a sender account and deposited in the virtual account; Mobile phone number receiving means for receiving a payee mobile number input via a mobile phone number input interface output to the automatic teller machine; Transfer history confirmation means for confirming a virtual account connected to the payee cell phone number in association with the storage medium and confirming transfer history information including the transfer amount information deposited in the virtual account; Transfer history transmission means for transmitting the transfer history information to the automated teller machine when the transfer history is confirmed; Information receiving means for receiving information for withdrawing or depositing a transfer amount deposited in the virtual account from the automatic teller machine; Transfer processing means for processing the transfer amount deposited in the virtual account in response to the information for the withdrawal or deposit of the transfer amount deposited in the virtual account received; Amount processing system. The method of claim 3, wherein the transfer processing means, The amount corresponding to the withdrawal information is processed to be withdrawn through the automated teller machine, and the remaining amount except for the amount withdrawn through the automated teller machine in response to the deposit information is processed to be deposited into a payee account. Transfer amount processing system using automatic teller machine.

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