KR20100134202A - System and method for processing insurance goods auto-admission relay on otp and recording medium - Google Patents

Abstract

PURPOSE: An insurance product automatic entrance processing system in associated with OTP about financial accident through the subscribe of the insurance is provided to compensate financial loss of the customer through the insurance in an OTP registration process. CONSTITUTION: An information receiving unit(105) receives OTP(One-Time Password) authentication-based financial transaction request information. An information extraction unit(120) extracts personal information of a client necessary for insurance join. An insurance join processor(125) transmits the insurance buying application information to an insurance company server. An information storage unit(115) associates with account information.

Description

System and Method for Processing Insurance Goods Auto-Admission relay on OTP and Recording Medium}

1 is a view showing the configuration of the OTP payment registration system for automatically processing the insurance for the financial accidents caused by OTP during the financial transaction processing using the OTP according to an embodiment of the present invention.

2 is a diagram illustrating a process of automatically processing an insurance subscription for a financial accident caused by the OTP during the financial transaction processing using the OTP according to the embodiment of the present invention.

3 is a diagram illustrating a process of automatically processing an insurance subscription for a financial accident caused by OTP when processing a financial transaction using an OTP according to another embodiment of the present invention.

4 is a diagram illustrating a process of claiming insurance claims for financial accidents generated in a financial transaction process using an OTP according to an embodiment of the present invention.

5 is a diagram illustrating a configuration of an OTP payment registration system for automatically processing insurance subscription for financial accidents caused by OTP during OTP authentication-based financial transaction processing according to another embodiment of the present invention.

6 is a diagram illustrating a process of automatically processing an insurance subscription for a financial accident caused by the OTP during the financial transaction processing using the OTP according to the embodiment of the present invention.

FIG. 7 is a diagram illustrating a process of automatically processing an insurance subscription for a financial accident caused by an OTP when processing a financial transaction using an OTP according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of claiming insurance claims for financial accidents generated in a financial transaction process using an OTP according to an embodiment of the present invention.

<Description of main parts of drawing>

100: interface providing means 105: information receiving means

110: validation means 115: information storage means

120: information extraction means 125: insurance insurance processing means

130: information reading means 135: compensation processing means

140: insurance renewal processing means 145: insurance termination processing means

150: storage medium 155: insurance company server

The present invention is to provide a solution to the compensation problem for the financial incidents that occur after the insurance by the OTP registration process when using the financial transaction services using OTP on the Internet.

In modern society, due to the development of information and communication technology, financial transactions that were conducted only offline can be used through the Internet (for example, Internet banking), and financial transactions provided through the Internet are always exposed to problems such as hacking and farming. It is, therefore, always exposed to a situation where a financial accident can occur.

To solve this problem, unlike the general Internet service, when using financial transaction service, we provide strong security services using authorized certificates, security cards, and OTPs, but the development of information and communication technology has led to the development of hacking technology. As a result, there are always vulnerabilities in security.

Financial accidents caused by these reasons directly cause financial loss to the customer, and thus there is a problem that the financial transaction service through the Internet can be gradually turned away.

According to the present invention, it is intended to provide a method and system for compensating financial loss for a financial accident occurring while a customer uses a financial transaction service as described above, and a recording medium therefor.

The insurance product automatic subscription processing method associated with the OTP according to the present invention, when the account information, OTP device information and OTP generation information of the customer processing the financial transaction using the OTP is stored in association with the storage medium, the customer uses Providing an insurance subscription consent interface requesting a terminal to purchase insurance for a financial accident occurring during the financial transaction using the OTP; and if the insurance subscription agreement is confirmed through the insurance subscription agreement interface, the account information is provided. An insurance company server extracts customer personal information necessary for the insurance from the director of a financial company that stores customer information about the customer, and configures insurance application information including the customer personal information, OTP device information, and OTP generation information. And sending the insurance to the insurance company through the insurance company server. Storing insurance information including at least one of insurance policy information, insurance payment information, compensation payment financial accident information, and compensation payment information for each financial accident in connection with the account information in a medium, the financial company; Checking the financial transaction history using the OTP among financial transaction details recorded in the ledger, reading the confirmed financial transaction history to determine whether a financial accident occurs using the OTP, and when the financial accident using the OTP is confirmed Requesting compensation payment by constructing OTP-based financial accident information including one or more of account information, financial accident amount, OTP device information, and OTP generation information corresponding to the financial accident using the OTP to the insurance company server. Characterized in that comprises a.

The insurance product automatic subscription processing method associated with the OTP according to the present invention, if the financial accident is confirmed using the OTP, determining the compensation payment according to the financial accident information of the compensation payment target insurance information stored in the storage medium, and When the payment of the compensation is determined, calculating the compensation according to the compensation information calculated for each financial accident of the insurance information stored in the storage medium, characterized in that it comprises the step of claiming to the insurance company server.

In the insurance product automatic subscription processing method associated with the OTP according to the present invention, the insurance payment information, characterized in that the insurance payment account information, including the insurance payment amount and the payment date and date, the arrival of the payment date And checking whether the insurance payment is due at the date of payment of the insurance, and withdrawing the insurance payment from the insurance payment account and depositing the insurance payment into the insurance payment account of the insurance company.

In the insurance product automatic subscription processing method associated with the OTP according to the present invention, the insurance payment information, characterized in that comprises the insurance payment account information, insurance payment amount calculation information and insurance payment date and time, Checking whether the payment is due, and when the payment is due, the insurance payment amount is calculated using the insurance payment amount calculation information; and the insurance payment amount is withdrawn from the insurance payment account. It characterized in that it further comprises the step of depositing.

The insurance product automatic subscription processing method associated with the OTP according to the present invention includes the steps of checking the number / amount of financial transactions using the OTP, and the insurance payment information to reduce the amount of the insurance payment in inverse proportion to the number / amount of the financial transactions. Characterized in that it further comprises the step of adjusting.

The insurance product automatic subscription processing method associated with the OTP according to the present invention comprises the steps of checking whether the OTP device information and OTP generation information stored in the storage medium in connection with the account information, and the OTP device information and OTP generation information If it is confirmed that the change, the insurance policy information of the insurance information stored in the storage medium further comprises the step of configuring the insurance renewal application information including the changed OTP device information and OTP generation information and transmitting to the insurance company server It features.

The insurance product automatic subscription processing method associated with the OTP according to the present invention includes the steps of checking whether the OTP device information and OTP generation information stored in the storage medium in association with the account information is deleted (or inactivated), and the OTP device When deletion (or inactivation) of the information and the OTP generation information is confirmed, the insurance premium previously paid is checked on the storage medium based on the date when the OTP device information and the OTP generation information are deleted (or inactivated), and the paid insurance money Calculating an insurance settlement amount to be refunded to the customer, extracting customer personal information necessary for the termination of insurance from the director of a financial company that stores customer information about the customer through the account information, and the insurance stored in the storage medium. Insurance cancellation application information including insurance policy information of the information, the extracted customer personal information, and the calculated insurance settlement amount; Sex and characterized by further comprising the step of transmitting to the insurance company server.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording a program for executing the insurance product automatic subscription processing method associated with the aforementioned OTP.

On the other hand, the insurance product automatic subscription processing system associated with the OTP according to the present invention, if the account information, OTP device information and OTP generation information of the customer processing the financial transaction using the OTP is stored in association with the storage medium, the customer Means for providing an insurance subscription agreement interface for requesting a terminal to purchase insurance for a financial accident occurring during a financial transaction using the OTP; and if the insurance subscription agreement is confirmed through the insurance subscription agreement interface, Extract the customer personal information necessary for the insurance from the director of the financial company that stores the customer information about the customer through the information, and configures the insurance application information including the customer personal information, OTP device information and OTP generation information Means for transmitting to the insurance company server, and the insurance subscription is approved through the insurance company server, Means for storing insurance information including at least one of insurance policy information, insurance payment information, compensation payment financial accident information, and compensation amount calculation information for each financial accident on the storage medium in association with the account information; A means for checking a financial transaction history using the OTP among the financial transaction details recorded in the financial institution ledger, reading the confirmed financial transaction history, and confirming whether a financial accident occurs using the OTP; and a financial accident using the OTP. If confirmed, OTP-based financial accident information including one or more of the account information, financial accident amount, OTP device information and OTP generation information corresponding to the financial accident using the OTP is configured to send to the insurance company server to claim compensation payment Characterized in that it comprises a means for.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. 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 view showing the configuration of the OTP payment registration system for automatically processing the insurance for the financial accidents caused by OTP during the financial transaction processing using the OTP according to the embodiment of the present invention.

In more detail, Figure 1 shows that a customer prepares and submits an OTP authentication-based financial transaction application including at least one of customer information, account information, OTP device information, and OTP generation information for an OTP authentication-based financial transaction. When the employee provides the OTP authentication-based financial transaction application information corresponding to the OTP authentication-based financial transaction application to the OTP payment registration system through the OTP device registration interface output to the terminal, and receives the OTP authentication-based financial transaction application information, The present invention relates to a system for automatically signing up for insurance against financial accidents generated during financial transactions using OTP by obtaining an insurance subscription agreement corresponding to the received OTP authentication-based financial transaction application information. If you have ordinary knowledge, financial transactions using the OTP by referring to and / or modified in Figure 1 Rishi, various implementation methods for the OTP payment registration system configuration that automatically handles the insurance against financial accidents caused by OTP can be inferred, but the present invention includes all the implementation methods inferred and shown in Figure 1 The technical features are not limited only to the illustrated implementation method.

Referring to FIG. 1, the OTP payment registration system includes an employee terminal for providing OTP authentication-based financial transaction application information through an OTP device registration interface for using an OTP authentication-based financial transaction, and customer information and an account from the employee terminal. Interface providing means 100 for generating (or extracting) an OTP device registration interface and providing it to the employee terminal in order to receive OTP authentication-based financial transaction application information including at least one piece of information, OTP device information and OTP generation information. And information receiving means 105 for receiving the OTP authentication-based financial transaction application information input (or selected) through the provided OTP device registration interface, and checking the validity of the received OTP authentication-based financial transaction application information. When the validity confirming means 110 and the validity of the received OTP authentication-based financial transaction application information is confirmed, the received OTP Increases in conjunction handle-based banking application information is characterized in that obtained by having a data storage means (115) for storing in the storage medium 150.

The interface providing means 100 receives the OTP authentication-based financial transaction application information including at least one or more customer information, account information, OTP device information and OTP generation information from the employee terminal, the OTP authentication-based financial transaction application And generating (or extracting) an OTP device registration interface for inputting (or selecting) information, and transmitting the generated (or extracted) OTP device registration interface to the employee terminal for output.

Thereafter, when the employee terminal receives OTP authentication-based financial transaction application information including at least one of customer information, account information, OTP device information, and OTP generation information through the output OTP device registration interface, The information receiving means 105 receives the OTP authentication-based financial transaction application information from the employee terminal.

Here, the customer information is information including the name and resident registration number of the customer. When the customer is a registered customer for the OTP authentication-based financial transaction, the customer information provides the OTP authentication-based financial transaction service. It is preferable that the identification information for checking whether the customer is already registered on the database provided in the server, the customer is not registered in the database provided in the server provided for the OTP authentication-based financial transaction services (Ie, a new customer), the customer information includes information that can be registered on a database provided in the server providing the OTP authentication-based financial transaction service (eg, name, social security number, address, contact information, etc.). desirable.

Preferably, the account information includes an account number consisting of a predetermined number of digits for the financial account held by the customer and financial institution information provided with the financial account.

The OTP device information preferably includes a management number (eg, a serial number (SN), etc.) assigned to the OTP device previously provided to the customer.

The OTP generation information preferably includes one or more fixed seed values for generating the OTP and parameters for determining the dynamic seed values.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to a time-synchronized OTP generation algorithm, and the parameter of the OTP generation information is the time- It is preferable to include the synchronization time setting information for determining the synchronization time corresponding to the dynamic seed value of the synchronization method OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to an OTP generation algorithm of a challenge-response manner, and the parameter of the OTP generation information is the challenge- It is preferable to include a random number generating seed for generating a random number corresponding to the dynamic seed value of the response type OTP.

When using the OTP authentication-based financial transaction through the customer mobile phone according to the embodiment of the present invention, if the personal identification number information transmitted from the customer mobile phone is authenticated, the OTP is generated on the server in place of the customer mobile phone to the customer mobile phone. If the customer's mobile phone is used as a virtual OTP medium for OTP authentication-based financial transactions that receive and output the OTP generated by the server, the OTP generation information is used to generate an OTP on the server in place of the customer's mobile phone. It is preferred to include one or more fixed seed values for the parameters, and parameters for determining the dynamic seed values.

If the customer mobile phone is provided with a mobile OTP generation program, in addition to using the customer mobile phone as the virtual OTP medium for financial transactions based on the OTP authentication, the OTP generation information is stored in the mobile OTP generation program provided in the customer mobile phone. Or at least one fixed seed value for generating an OTP and a parameter for determining a dynamic seed value, wherein the OTP generation information is provided to the customer cellular phone and is encrypted and stored in the customer cell phone memory, or It is stored in the USIM provided in the customer mobile phone (encryption storage possible).

When the OTP authentication-based financial transaction application information is received through the information receiving means 105, the validity checking means 110 includes customer information, account information, and OTP device information included in the received OTP authentication-based financial transaction application information. And checking the validity of at least one of the OTP generation information.

According to an embodiment of the present invention, the validity of the received OTP authentication-based financial transaction application information is matched with the OTP authentication-based financial transaction application information to the ledger D / B on the financial system associated with the OTP payment registration system It is preferable to include whether the at least one ledger information is registered.

For example, the validity confirmation of the received OTP authentication-based financial transaction application information, the customer information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the account information of the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the OTP device information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include checking that the OTP matches the ledger stored in / B.

When the validity of the received OTP authentication-based financial transaction application information is confirmed through the validity checking means 110, the information storage means 115 and the customer information included in the received OTP authentication-based financial transaction application information; The account information, the OTP device information, and the OTP generation information may be stored in the storage medium 150 by linking.

Referring to Figure 1, the OTP payment registration system, if the received OTP authentication-based financial transaction application information is stored in the storage medium 150, the financial transaction using the OTP generated through the registered OTP device The interface providing means 100 for generating (or extracting) an insurance subscription agreement interface for requesting insurance in preparation for a financial accident occurring in the middle and providing the employee terminal with the insurance subscription agreement interface provided to the employee terminal. Responding to the account information of the customer through the information receiving means 105 for receiving the insurance agreement consent information that is input (or selected), and a financial system equipped with a customer ledger and an account ledger corresponding to the received insurance agreement consent information. Information extraction means 120 for extracting customer personal information necessary for the insurance from the customer ledger connected to the account ledger to perform the extraction; The insurance application information including the received customer personal information, the received OTP device information (or stored in the storage medium 150) and OTP generation information, and the configured insurance application information to the insurance company server 155. The insurance processing unit 125 for requesting the insurance approval from the insurance company and receiving insurance approval result information corresponding to the insurance application request information from the insurance company server 155, and the insurance company server 155 for transmitting the insurance insurance approval result information. When the insurance is approved for the insurance application information, insurance information and insurance payment information included in the insurance approval result information to the storage medium 150, compensation information for financial accidents and compensation calculation information for each financial accident It is provided with information storage means 115 for processing the insurance information including at least one or more in association with the account information to store in the storage medium 150 And that is characterized.

When the received OTP authentication-based financial transaction application information is stored in the storage medium 150 in a cooperative process, the interface providing means 100 is a financial accident generated during a financial transaction using an OTP generated through the registered OTP device. In order to prepare for (insurance), the insurance subscription agreement interface to request the insurance, characterized in that provided to the employee terminal.

According to the implementation method of the present invention, the insurance subscription agreement interface is preferably provided after the OTP authentication-based financial transaction application information received from the employee terminal is stored in the storage medium 150.

According to another exemplary embodiment of the present invention, the insurance subscription agreement interface may be provided in a predetermined area (or a nearby predetermined area) on the output OTP device registration interface.

That is, the OTP device registration request information and the OTP authentication-based financial transaction application information are input (or selected) through the output OTP device registration interface (that is, the time point for requesting OTP device registration). It is also a good idea to receive the insurance agreement consent information.

When insurance agreement consent information is input (or selected) through the insurance agreement consent interface provided to the employee terminal, the information receiving means 105 receives insurance agreement consent information input (or selected) through the insurance agreement consent interface. The information extracting unit 120 registers the insurance from the customer ledger connected to the account ledger corresponding to the account information of the customer through a financial system having a customer ledger and an account ledger in response to the received insurance subscription agreement information. It is characterized by extracting customer personal information required for.

According to the implementation method of the present invention, the customer personal information extraction necessary for insurance corresponding to the received insurance agreement consent information, and transfers the account information for the customer transmitting the insurance agreement consent information to the financial system, the financial After checking the account ledger corresponding to the account information by checking the account ledger provided in the system, and checking the customer ledger connected with the confirmed account ledger, to extract the customer personal information necessary for insurance subscription from the confirmed customer ledger It is preferable.

According to another exemplary embodiment of the present invention, extracting customer personal information required for insurance corresponding to the received insurance agreement information may transmit customer information about a customer transmitting the insurance agreement consent information to a financial system. After checking the customer ledger corresponding to the customer information by inquiring the customer ledger provided in the financial system, it is preferable to extract customer personal information necessary for the insurance from the confirmed customer ledger.

The insurance processing unit 125 constitutes insurance application information including the extracted customer personal information, the received OTP device information (or stored in the storage medium 150) and OTP generation information, and the configured The insurance application request information is transmitted to the insurance company server 155 to request insurance approval, and insurance insurance approval result information corresponding to the insurance application information is received from the insurance company server 155.

According to the implementation method of the present invention, the insurance subscription information configuration including the customer personal information, OTP device information and OTP generation information, the insurance subscription agreement interface inputs the received OTP authentication-based financial transaction application information (or The OTP device information, the OTP generation information, and the extracted customer personal information included in the received OTP authentication-based financial transaction application information, when outputted in a certain area (or a nearby area) on the OTP device registration interface It is preferable to configure insurance application information including at least one.

According to another embodiment of the present invention, the insurance application information configuration including the customer personal information, OTP device information and OTP generation information is provided with the OTP device registration interface, and is input through the provided OTP device registration interface ( Alternatively, after receiving the OTP authentication-based financial transaction application information to be stored in the storage medium 150, if the insurance subscription agreement interface is provided separately, the insurance subscription input (or selected) through the insurance agreement agreement interface Receiving the consent information, and further includes customer information (or information for identifying the customer or the OTP authentication-based financial transaction application information provided by the customer) included in the received insurance agreement information, OTP device information and OTP generation information and information by checking one or more information stored in the storage medium 150 based on the customer information It is preferable that the insurance application information includes at least one of the groups extracted personal information.

After the configuration of the insurance application information is completed, the insurance application information is completed is transmitted to the insurance company server 155 associated with the OTP payment registration system, the insurance company server 155 for the insurance request request for When the approval is completed, it is preferable to receive corresponding insurance approval result information.

Here, it is preferable that the received insurance approval result information includes insurance policy information, insurance payment information, financial compensation information subject to compensation payment, and compensation information calculated for each financial accident.

The insurance policy information is the name of the insurance product for the insurance product to subscribe for the treatment of financial accidents caused by OTP during the financial transaction processing using the OTP and customer personal information (for example, the customer who subscribed to the insurance product) Name, social security number, address, etc.), various special information about the insurance product, and maximum compensation amount information provided through the insurance product.

The insurance payment information includes insurance payment account information for the financial account where the insurance money to be paid is deposited in order for the insurance money to be paid to the insurance company to be provided to the insurer, information on the amount of the insurance money to be paid by the period, and the status of the customer (eg, OTP). It is preferable to include at least one claim payment amount calculation information for calculating the amount of insurance to be paid in response to the number of times of use) and information on the date of payment of the amount of money to be paid by the customer.

According to the implementation method of the present invention, it is confirmed whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, withdraw the insurance payment amount necessary for the maintenance of insurance from the insurance payment payment account, It is preferable to transfer / deposit to the insurer's claim storage account.

According to another exemplary embodiment of the present invention, it is determined whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, the insurance payment amount to be paid by the customer is calculated based on the insurance payment amount calculation information. In addition, it is preferable to process the withdrawal processing of the calculated insurance payment amount from the insurance payment payment account and transfer / deposit the insurance payment storage account of the insurance company.

For example, it is preferable that the customer is calculated by reflecting the size of the financial transaction using OTP and the maximum compensation amount for receiving an insurance accident.

Here, it is preferable that the insurance premium to be paid to the insurer provides an incentive based on the number of times or the total amount used for the financial transaction using the OTP by the customer.

For example, when the customer has a lot of financial transactions using OTP, it is preferable to discount the insurance premium to be paid, and the discounted amount may be provided by a financial institution or supported by a card company.

Preferably, the insurance payment target financial accident information includes at least one or more financial accident names or financial accident types for financial accidents generated by the OTP when the customer processes the financial transaction using the OTP. .

The compensation calculation information is to provide a compensation to be compensated to the customer in response to a financial accident belonging to the claim payment out of the financial accidents occurred when the customer uses the OTP authentication-based financial transaction services, It is preferable to include at least one or more reference information for calculating the compensation.

The information storage means 115 is insurance policy information included in the insurance policy approval result information to the storage medium 150, if the insurance subscription for the insurance application information transmitted from the insurance company server 155 is approved; The insurance information including at least one of insurance payment information, compensation payment target financial accident information, and compensation information for each financial accident is stored in the storage medium 150 in association with the account information.

Referring to FIG. 1, the OTP payment registration system checks the financial transaction history using the OTP among the financial transaction details recorded in the ledger on the financial system, and reads whether a financial accident occurs in the financial transaction history using the identified OTP. If the financial accident occurs in the information readout step 130 and the identified financial transaction details using the OTP, OTP-based financial accident information on the financial transaction in which the financial accident occurred in the financial transaction history using the OTP After the configuration, the OTP-based financial accident information is configured to include a compensation claim means 135 for transmitting the compensation payment to the insurance company server 155.

The information reading means 130 checks the financial transaction history using the OTP of the financial transaction history recorded in the ledger on the financial system, and reads whether or not a financial accident occurs in the financial transaction history using the identified OTP .

According to the implementation method of the present invention, the financial transaction history confirmation using the OTP of the financial transaction history recorded in the ledger on the financial system, the authentication used for the financial transaction among one or more financial transaction history recorded in the ledger on the financial system By confirming the method, it is preferable to confirm the financial transaction details using OTP among the financial transaction details recorded in the ledger on the financial system.

In addition, when the financial transaction history using the OTP is confirmed, it is preferable to check the financial transaction history of the financial accident occurred in the financial transaction history using the identified OTP.

According to the implementation method of the present invention, the financial transaction history confirmation of the financial accident occurred in the financial transaction details using the OTP, the financial transaction history (eg, financial It is advisable to report the financial transaction history of the financial accident using the OTP by reporting the transaction as a financial accident).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method and / or process for checking the financial transaction history of the financial accident occurred in the financial transaction history using the OTP, Detailed description is omitted for convenience.

The reward claim means 135, if it is confirmed whether a financial accident occurs in the financial transaction history using the OTP, the OTP-based financial accident information for the financial transaction in which the financial accident occurred in the financial transaction history using the OTP Thereafter, the configured OTP-based financial accident information is transmitted to the insurance company server 155, characterized in that claim for compensation payment.

According to an embodiment of the present invention, if it is determined whether a financial accident occurs in the financial transaction details using the OTP, the account information and the financial amount of the financial account in which the financial accident occurred in the financial transaction history using the OTP, Comprising OTP-based financial accident information including at least one OTP device information and OTP generation information used in the financial transaction in which the financial accident occurred, and pays compensation by transmitting the configured OTP-based financial accident information to the insurance company server 155 Characterized by claim.

In addition, when it is determined whether a financial accident occurs in the financial transaction history using the checked OTP, the compensation is calculated according to insurance information (ie, compensation calculation information for each financial accident) stored in the storage medium 150, and the calculated After configuring OTP-based financial accident information further comprising a compensation, it is possible to request the compensation payment by transmitting the configured OTP-based financial accident information to the insurance company server 155.

Referring to FIG. 1, the OTP payment registration system checks whether the OTP device information or OTP generation information stored in the storage medium 150 is changed in association with the account information, and if the OTP device information or OTP generation information is changed. If one or more of the change is confirmed, the insurance to check whether the insurance, configure the insurance renewal application information, including the account information and the changed OTP device information or OTP generation information and transmits to the insurance company server 155 to request insurance renewal insurance Check whether the OTP device information or OTP generation information stored in the storage medium 150 is deleted or deactivated in association with the update processing unit 140 and the account information, and the OTP device information or OTP generation information is deleted or In the case of deactivation, the amount of the insurance premium to be refunded is calculated by checking the previously paid insurance premium on the date of deactivation. Then, the insurance cancellation processing for requesting termination of insurance by forming insurance termination application information including the calculated refundable amount of the refundable refund and user personal information and insurance policy information required for insurance termination and sending it to the insurance company server 155. It is characterized by comprising a means 145.

The insurance renewal processing unit 140 checks whether the OTP device information or OTP generation information stored in the storage medium 150 is changed in connection with the account information, and if at least one of OTP device information or OTP generation information is changed. In the case of a change, it is determined whether the insurance is registered, and the insurance application information including the account information and the changed OTP device information or the OTP generation information is configured and transmitted to the insurance company server 155 to request insurance renewal.

According to the exemplary embodiment of the present invention, whether the OTP device information or the OTP generation information stored in the storage medium 150 is changed in connection with the account information, the OTP device information or OTP stored in the storage medium 150 is changed. When an OTP device registration interface for inputting (or selecting) generation information is output, the OTP device information or OTP generation information input (or selected) through the outputted OTP device registration interface and the storage medium 150 are written to the storage medium 150. By comparing the stored OTP device information or OTP generation information with each other, it is preferable to check whether the OTP device information or OTP generation information stored in the storage medium 150 is changed.

According to another exemplary embodiment of the present invention, whether the OTP device information or the OTP generation information stored in the storage medium 150 is changed in connection with the account information, the OTP device information stored in the storage medium 150 or Whether the OTP device information or OTP generation information stored in the storage medium 150 is changed in connection with the account information by further including information indicating whether or not to change the OTP generation information, and then changing the information indicating whether or not to change the OTP generation information. It is desirable to check.

If one or more of the OTP device information or the OTP generation information is changed, it is preferable to construct insurance renewal application information including the account information and the changed OTP device information or OTP generation information and transmit it to the insurance company server 155.

The insurance termination processing means 145 checks whether the OTP device information or OTP generation information stored in the storage medium 150 is deleted or inactivated in association with the account information, and the OTP device information or OTP generation information is deleted or Or, if it is deactivated, calculate the amount of insurance premiums to be refunded by checking the insurance premiums already paid based on the date of deactivation, and then calculate the amount of the refunds to be refunded and the user's personal information and insurance information necessary for termination of insurance. Compose the insurance termination application information, including the transmission to the insurance company server 155, characterized in that for requesting termination of insurance.

Here, the insurance settlement amount to be refunded to the user can be calculated and provided by the insurance company server 155, whereby the present invention is not limited.

2 is a diagram illustrating a process of automatically processing insurance coverage for a financial accident caused by OTP when processing a financial transaction using an OTP according to an embodiment of the present invention.

In more detail, Figure 2 shows that a customer prepares and submits an OTP authentication-based financial transaction application including at least one of customer information, account information, OTP device information, and OTP generation information for an OTP authentication-based financial transaction. When the employee provides the OTP authentication-based financial transaction application information corresponding to the OTP authentication-based financial transaction application to the OTP payment registration system through the OTP device registration interface output to the terminal, and receives the OTP authentication-based financial transaction application information, As a process of obtaining automatic insurance subscription agreement corresponding to the received OTP authentication-based financial transaction application information for automatic insurance processing for financial accidents generated during financial transactions using OTP, the present invention generally includes In the case of a person with knowledge of the present invention, when referring to and / or modifying the OTP authentication-based financial transaction, Various implementation methods may be inferred for the process of automatically handling the insurance against financial accidents caused by the TP, but the present invention includes all the implementation methods inferred and only the implementation method shown in FIG. The technical features are not limited.

That is, the process shown in FIG. 2 is a basic process for implementing the OTP payment registration system shown in FIG. 1, and the actual OTP generation condition registration process includes all the various implementation methods shown / described in FIG. .

Hereinafter, in FIG. 2, at least one or more means on the OTP payment registration system shown in FIG. 1 is referred to as a 'server'.

Referring to FIG. 2, an OTP authentication-based financial transaction application including at least one of customer information, account information, OTP device information, OTP creation information, and insurance consent information in order for a customer to use an OTP authentication-based financial transaction (here, The insurance subscription agreement information provided in the OTP authentication-based financial transaction application may be provided in a separate insurance agreement application form), and then submitted, the OTP authentication-based financial transaction application information corresponding to the OTP authentication-based financial transaction application and Requesting an interface for inputting (or selecting) insurance subscription consent information, and correspondingly, the server provides the employee terminal with an OTP device registration interface including an insurance subscription consent interface corresponding to the request of the employee terminal; 200) and the OTP authentication-based financial transaction application information through the provided OTP device registration interface Sign up and accept the risk information input (or selection) 205.

Here, the customer information is information including the name and resident registration number of the customer. When the customer is a registered customer for the OTP authentication-based financial transaction, the customer information provides the OTP authentication-based financial transaction service. It is preferable that the identification information for checking whether the customer is already registered on the database provided in the server, the customer is not registered in the database provided in the server provided for the OTP authentication-based financial transaction services (Ie, a new customer), the customer information includes information that can be registered on a database provided in the server providing the OTP authentication-based financial transaction service (eg, name, social security number, address, contact information, etc.). desirable.

Preferably, the account information includes an account number consisting of a predetermined number of digits for the financial account held by the customer and financial institution information provided with the financial account.

The OTP device information preferably includes a management number (eg, a serial number (SN), etc.) assigned to the OTP device previously provided to the customer.

The OTP generation information preferably includes one or more fixed seed values for generating the OTP and parameters for determining the dynamic seed values.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the OTP generation information includes a seed fixed to be assigned to a time-synchronized OTP generation algorithm, and the parameter of the OTP generation information is the time- It is preferable to include the synchronization time setting information for determining the synchronization time corresponding to the dynamic seed value of the synchronization method OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to an OTP generation algorithm of a challenge-response manner, and the parameter of the OTP generation information is the challenge- It is preferable to include a random number generating seed for generating a random number corresponding to the dynamic seed value of the response type OTP.

When using the OTP authentication-based financial transaction through the customer mobile phone according to an embodiment of the present invention, if the personal identification number information transmitted from the customer mobile phone is authenticated, the OTP is generated on the server in place of the customer mobile phone and transmitted to the customer mobile phone. And when the customer mobile phone is used as a virtual OTP medium for an OTP authentication-based financial transaction that receives and outputs an OTP generated by the server, the OTP generation information is used to generate an OTP on a server in place of the customer mobile phone. It is preferred to include one or more fixed seed values and a parameter for determining the dynamic seed value.

If the customer mobile phone is provided with a mobile OTP generation program, in addition to using the customer mobile phone as the virtual OTP medium for financial transactions based on the OTP authentication, the OTP generation information is stored in the mobile OTP generation program provided in the customer mobile phone. Or at least one fixed seed value for generating an OTP and a parameter for determining a dynamic seed value, wherein the OTP generation information is provided to the customer cellular phone and is encrypted and stored in the customer cell phone memory, or It is stored in the USIM provided in the customer mobile phone (encryption storage possible).

If the OTP authentication-based financial transaction application information and insurance subscription agreement information are input (or selected) through the output OTP device registration interface (210), the employee terminal is input (or via the output OTP device registration interface). Select) transmits the OTP authentication-based financial transaction application information, and in response, the server receives the OTP authentication-based financial transaction application information and insurance subscription agreement information transmitted from the employee terminal (215), and receives the received financial The validity of the transaction application information is checked (220).

According to an embodiment of the present invention, the validity of the received OTP authentication-based financial transaction application information is matched with the OTP authentication-based financial transaction application information to the ledger D / B on the financial system associated with the OTP payment registration system It is preferable to include whether the at least one ledger information is registered.

For example, the validity confirmation of the received OTP authentication-based financial transaction application information, the customer information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the account information of the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the OTP device information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include checking that the OTP matches the ledger stored in / B.

If the validity of the received OTP authentication-based financial transaction application information is confirmed (225), the server extracts customer personal information necessary for insurance in connection with the financial system connected through the communication network, and the extracted customer The insurance application information is configured based on the personal information (230).

According to the implementation method of the present invention, the customer personal information extraction necessary for insurance corresponding to the received insurance agreement consent information, and transfers the account information for the customer transmitting the insurance agreement consent information to the financial system, the financial After checking the account ledger corresponding to the account information by checking the account ledger provided in the system, and checking the customer ledger connected with the confirmed account ledger, to extract the customer personal information necessary for insurance subscription from the confirmed customer ledger It is preferable.

According to another exemplary embodiment of the present invention, extracting customer personal information required for insurance corresponding to the received insurance agreement information may transmit customer information about a customer transmitting the insurance agreement consent information to a financial system. After checking the customer ledger corresponding to the customer information by inquiring the customer ledger provided in the financial system, it is preferable to extract customer personal information necessary for the insurance from the confirmed customer ledger.

Thereafter, the server transmits the configured insurance application information to the insurance company server 155 to request approval for insurance (235), and in response, the insurance company server 155 transmits the received insurance application information. After determining whether to approve the insurance, it generates insurance approval result information corresponding thereto (240), and transmits it to the server (245).

According to the implementation method of the present invention, the insurance subscription information configuration including the customer personal information, OTP device information and OTP generation information, the insurance subscription agreement interface inputs the received OTP authentication-based financial transaction application information (or The OTP device information, the OTP generation information, and the extracted customer personal information included in the received OTP authentication-based financial transaction application information, when outputted in a certain area (or a nearby area) on the OTP device registration interface It is preferable to configure insurance application information including at least one.

According to another embodiment of the present invention, the insurance application information configuration including the customer personal information, OTP device information and OTP generation information is provided with the OTP device registration interface, and is input through the provided OTP device registration interface ( Alternatively, after receiving the OTP authentication-based financial transaction application information to be stored in the storage medium 150, if the insurance subscription agreement interface is provided separately, the insurance subscription input (or selected) through the insurance agreement agreement interface Receiving the consent information, and further includes customer information (or information for identifying the customer or the OTP authentication-based financial transaction application information provided by the customer) included in the received insurance agreement information, OTP device information and OTP generation information and information by checking one or more information stored in the storage medium 150 based on the customer information It is preferable that the insurance application information includes at least one of the groups extracted personal information.

After the configuration of the insurance application information is completed, the insurance application information is completed is transmitted to the insurance company server 155 associated with the OTP payment registration system, the insurance company server 155 for the insurance request request for When the approval is completed, it is preferable to receive corresponding insurance approval result information.

Here, it is preferable that the received insurance approval result information includes insurance policy information, insurance payment information, financial compensation information subject to compensation payment, and compensation information calculated for each financial accident.

The insurance policy information is the name of the insurance product for the insurance product to subscribe for the treatment of financial accidents caused by OTP during the financial transaction processing using the OTP and customer personal information (for example, the customer who subscribed to the insurance product) Name, social security number, address, etc.), various special information about the insurance product, and maximum compensation amount information provided through the insurance product.

The insurance payment information includes insurance payment account information for the financial account where the insurance money to be paid is deposited in order for the insurance money to be paid to the insurance company to be provided to the insurer, information on the amount of the insurance money to be paid by the period, and the status of the customer (eg, OTP). It is preferable to include at least one claim payment amount calculation information for calculating the amount of insurance to be paid in response to the number of times of use) and information on the date of payment of the amount of money to be paid by the customer.

According to the implementation method of the present invention, it is confirmed whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, withdraw the insurance payment amount necessary for the maintenance of insurance from the insurance payment payment account, It is preferable to transfer / deposit to the insurer's claim storage account.

According to another exemplary embodiment of the present invention, it is determined whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, the insurance payment amount to be paid by the customer is calculated based on the insurance payment amount calculation information. In addition, it is preferable to process the withdrawal processing of the calculated insurance payment amount from the insurance payment payment account and transfer / deposit the insurance payment storage account of the insurance company.

For example, it is preferable that the customer is calculated by reflecting the size of the financial transaction using OTP and the maximum compensation amount for receiving an insurance accident.

Here, it is preferable that the insurance premium to be paid to the insurer provides an incentive based on the number of times or the total amount used for the financial transaction using the OTP by the customer.

For example, when the customer has a lot of financial transactions using OTP, it is preferable to discount the insurance premium to be paid, and the discounted amount may be provided by a financial institution or supported by a card company.

Preferably, the insurance payment target financial accident information includes at least one or more financial accident names or financial accident types for financial accidents caused by OTP when the customer processes the financial transaction using the OTP. .

The compensation calculation information is to provide a compensation to be compensated to the customer in response to a financial accident belonging to the claim payment out of the financial accidents occurred when the customer uses the OTP authentication-based financial transaction services, It is preferable to include at least one or more reference information for calculating the compensation.

Thereafter, the server associates the received insurance approval approval result information with the OTP authentication-based financial transaction application information and stores them in the storage medium 150 shown in FIG. 1 (250).

3 is a diagram illustrating a process of automatically processing insurance coverage for a financial accident caused by OTP when processing a financial transaction using an OTP according to another embodiment of the present invention.

In more detail, Figure 3 shows that a customer prepares and submits an OTP authentication-based financial transaction application including at least one of customer information, account information, OTP device information, and OTP generation information for an OTP authentication-based financial transaction. When the employee provides the OTP authentication-based financial transaction application information corresponding to the OTP authentication-based financial transaction application to the OTP payment registration system through the OTP device registration interface output to the terminal, and receives the OTP authentication-based financial transaction application information, As a process of obtaining automatic insurance subscription agreement corresponding to the received OTP authentication-based financial transaction application information for automatic insurance processing for financial accidents generated during financial transactions using OTP, the present invention generally includes If you have the knowledge of the OTP authentication-based financial transaction processing by referring to and / or modified in Figure 3, O Various implementation methods may be inferred for the process of automatically handling the insurance against financial accidents caused by the TP, but the present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. The technical features are not limited.

That is, the process shown in FIG. 3 is a basic process for implementing the OTP payment registration system shown in FIG. 1, and the actual OTP generation condition registration process includes all the various implementation methods shown / described in FIG. .

Hereinafter, in FIG. 3, at least one or more means on the OTP payment registration system shown in FIG. 1 is referred to as a 'server'.

Referring to FIG. 3, when a customer prepares and submits an OTP authentication-based financial transaction application including at least one of customer information, account information, OTP device information, and OTP generation information in order to use an OTP authentication-based financial transaction, the OTP Request an interface for inputting (or selecting) OTP authentication-based financial transaction application information corresponding to an authentication-based financial transaction application, and in response, the server requests an OTP device registration interface corresponding to the request of the employee terminal. In step 300, the OTP authentication-based financial transaction application information is input (or selected) through the provided OTP device registration interface (305).

Here, the customer information is information including the name and resident registration number of the customer. When the customer is a registered customer for the OTP authentication-based financial transaction, the customer information provides the OTP authentication-based financial transaction service. It is preferable that the identification information for checking whether the customer is already registered on the database provided in the server, the customer is not registered in the database provided in the server provided for the OTP authentication-based financial transaction services (Ie, a new customer), the customer information includes information (eg, name, social security number, address, contact information, etc.) that can be registered on a database provided in the server providing the OTP authentication-based financial transaction service. It is preferable to make.

Preferably, the account information includes an account number consisting of a predetermined number of digits for the financial account held by the customer and financial institution information provided with the financial account.

The OTP device information preferably includes a management number (eg, a serial number (SN), etc.) assigned to the OTP device previously provided to the customer.

The OTP generation information preferably includes one or more fixed seed values for generating the OTP and parameters for determining the dynamic seed values.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to a time-synchronized OTP generation algorithm, and the parameter of the OTP generation information is the time- It is preferable to include the synchronization time setting information for determining the synchronization time corresponding to the dynamic seed value of the synchronization method OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to the challenge-response OTP generation algorithm, and the parameter of the OTP generation information is the challenge. It is preferable to include a random number generation seed for generating a random number corresponding to the dynamic seed value of the response type OTP.

When using the OTP authentication-based financial transaction through the customer mobile phone according to an embodiment of the present invention, if the personal identification number information transmitted from the customer mobile phone is authenticated, the OTP is generated on the server in place of the customer mobile phone and transmitted to the customer mobile phone. And when the customer mobile phone is used as a virtual OTP medium for an OTP authentication-based financial transaction that receives and outputs an OTP generated by the server, the OTP generation information is used to generate an OTP on a server in place of the customer mobile phone. It is preferred to include one or more fixed seed values and a parameter for determining the dynamic seed value.

If the customer mobile phone is provided with a mobile OTP generation program, in addition to using the customer mobile phone as the virtual OTP medium for financial transactions based on the OTP authentication, the OTP generation information is stored in the mobile OTP generation program provided in the customer mobile phone. It is preferable to include at least one fixed seed value for generating an OTP, and a parameter for determining a dynamic seed value, the OTP generation information is provided to the customer mobile phone is encrypted and stored in the customer mobile phone memory, Or it is stored (encryption storage possible) in the USIM provided in the customer mobile phone.

If the OTP authentication-based financial transaction application information is input (or selected) through the output OTP device registration interface (310), the employee terminal inputs (or selects) the OTP authentication through the output OTP device registration interface. And transmits the financial transaction request information based on the request, and the server receives the OTP authentication based financial transaction request information transmitted from the employee terminal (315) and confirms the validity of the received financial transaction request information (315). 320).

According to an embodiment of the present invention, the validity of the received OTP authentication-based financial transaction application information is matched with the OTP authentication-based financial transaction application information to the ledger D / B on the financial system associated with the OTP payment registration system It is preferable to include whether the at least one ledger information is registered.

For example, the validity confirmation of the received OTP authentication-based financial transaction application information, the customer information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the account information of the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the OTP device information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include checking that the OTP matches the ledger stored in / B.

If the validity of the received OTP authentication-based financial transaction application information is confirmed (325), the server associates and processes the OTP authentication-based financial transaction application information that has been verified, and the storage medium shown in FIG. 150) (330).

Subsequently, the server provides the employee's terminal with an insurance subscription agreement interface for requesting an insurance subscription agreement for insurance against a financial accident that may occur when using an OTP authentication-based financial transaction service (335). The terminal checks whether the insurance agreement consent information is input (or selected) through the provided insurance agreement interface (340).

If insurance agreement information is input (or selected) through the provided insurance agreement interface (345), the server receives insurance agreement information input (or selected) through the insurance agreement consent interface (350). In response, the server extracts customer personal information necessary for insurance in connection with the financial system connected through the communication network, and configures insurance application information based on the extracted customer personal information (355).

According to the implementation method of the present invention, the customer personal information extraction necessary for insurance corresponding to the received insurance agreement consent information, and transfers the account information for the customer transmitting the insurance agreement consent information to the financial system, the financial After checking the account ledger corresponding to the account information by checking the account ledger provided in the system, and checking the customer ledger connected with the confirmed account ledger, to extract the customer personal information necessary for insurance subscription from the confirmed customer ledger It is preferable.

According to another exemplary embodiment of the present invention, extracting customer personal information required for insurance corresponding to the received insurance agreement information may transmit customer information about a customer transmitting the insurance agreement consent information to a financial system. After checking the customer ledger corresponding to the customer information by inquiring the customer ledger provided in the financial system, it is preferable to extract customer personal information necessary for the insurance from the confirmed customer ledger.

Thereafter, the server transmits the configured insurance application information to the insurance company server 155 to request approval for insurance (360), and in response thereto, the insurance company server 155 receives the received insurance application information. After determining whether to approve the insurance, it generates insurance approval result information corresponding thereto (365) and transmits it to the server (370).

According to the implementation method of the present invention, the insurance subscription information configuration including the customer personal information, OTP device information and OTP generation information, the insurance subscription agreement interface inputs the received OTP authentication-based financial transaction application information (or The OTP device information, the OTP generation information, and the extracted customer personal information included in the received OTP authentication-based financial transaction application information, when outputted in a certain area (or a nearby area) on the OTP device registration interface It is preferable to configure insurance application information including at least one.

According to another embodiment of the present invention, the insurance application information configuration including the customer personal information, OTP device information and OTP generation information is provided with the OTP device registration interface, and is input through the provided OTP device registration interface ( Alternatively, after receiving the OTP authentication-based financial transaction application information to be stored in the storage medium 150, if the insurance subscription agreement interface is provided separately, the insurance subscription input (or selected) through the insurance agreement agreement interface Upon receiving the consent information, the received insurance further includes customer information (or information for identifying the customer or identifying OTP authentication-based financial transaction application information provided by the customer) included in the admission information. OTP device information and OTP generation information and information by checking one or more information stored in the storage medium 150 based on the customer information It is preferable to configure insurance application information including at least one or more of the extracted customer personal information.

After the configuration of the insurance application information is completed, the insurance application information is completed is transmitted to the insurance company server 155 associated with the OTP payment registration system, the insurance company server 155 for the insurance request request for When the approval is completed, it is preferable to receive corresponding insurance approval result information.

Here, it is preferable that the received insurance approval result information includes insurance policy information, insurance payment information, financial compensation information subject to compensation payment, and compensation information calculated for each financial accident.

The insurance policy information is the name of the insurance product for the insurance product to subscribe for the treatment of financial accidents caused by OTP during the financial transaction processing using the OTP and customer personal information (for example, the customer who subscribed to the insurance product) Name, social security number, address, etc.), various special information about the insurance product, and maximum compensation amount information provided through the insurance product.

The insurance payment information includes insurance payment account information for the financial account where the insurance money to be paid is deposited in order for the insurance money to be paid to the insurance company to be provided to the insurer, information on the amount of the insurance money to be paid by the period, and the status of the customer (eg, OTP). It is preferable to include at least one claim payment amount calculation information for calculating the amount of insurance to be paid in response to the number of times of use) and information on the date of payment of the amount of money to be paid by the customer.

According to the implementation method of the present invention, it is confirmed whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, withdraw the insurance payment amount necessary for the maintenance of insurance from the insurance payment payment account, It is preferable to transfer / deposit to the insurer's claim storage account.

According to another exemplary embodiment of the present invention, it is determined whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, the insurance payment amount to be paid by the customer is calculated based on the insurance payment amount calculation information. In addition, it is preferable to process the withdrawal processing of the calculated insurance payment amount from the insurance payment payment account and transfer / deposit the insurance payment storage account of the insurance company.

For example, it is preferable that the customer is calculated by reflecting the size of the financial transaction using OTP and the maximum compensation amount for receiving an insurance accident.

Here, it is preferable that the insurance premium to be paid to the insurer provides an incentive based on the number of times or the total amount used for the financial transaction using the OTP by the customer.

For example, when the customer has a lot of financial transactions using OTP, it is preferable to discount the insurance premium to be paid, and the discounted amount may be provided by a financial institution or supported by a card company.

Preferably, the insurance payment target financial accident information includes at least one or more financial accident names or financial accident types for financial accidents caused by OTP when the customer processes the financial transaction using the OTP. .

The compensation calculation information is to provide a compensation to be compensated to the customer in response to a financial accident belonging to the claim payment out of the financial accidents occurred when the customer uses the OTP authentication-based financial transaction services, It is preferable to include at least one or more reference information for calculating the compensation.

Subsequently, the server processes the insurance subscription approval result information previously stored in the storage medium 150 and the OTP authentication-based financial transaction application information in the storage medium 150 shown in FIG. 1 (375).

4 is a diagram illustrating a process of claiming insurance claims for financial accidents generated in a financial transaction process using an OTP according to an embodiment of the present invention.

In more detail, Figure 4 shows that a customer uses one or more financial transaction services provided by a financial institution, and the financial transaction details of using the financial transaction service are recorded in the ledger of the financial system, and the financial transaction details recorded in the ledger. Of the process of claiming the financial transaction history using the OTP to read the occurrence of a financial accident, and then claim insurance corresponding thereto to the insurance company server 155, having a general knowledge in the technical field to which the present invention belongs If it grows up, it is possible to infer various implementation methods for claiming insurance claims for financial accidents caused by financial transactions using OTP by referring to and / or modifying the present invention. The technical features are not limited only to the implementation method illustrated in FIG. 4 including the implementation method.

Hereinafter, in FIG. 4, at least one or more means on the OTP payment registration system shown in FIG. 1 is referred to as a 'server'.

Referring to FIG. 4, the server shown in FIG. 1 requests the financial system to look up the financial transaction details using OTP among the financial transaction details recorded in the ledger on the financial system (400). The financial transaction history using the OTP is checked among the financial transaction details recorded in the ledger on the financial system (405), and the financial transaction history using the checked OTP is transmitted to the server (410).

Thereafter, the server reads the financial transaction history using the checked OTP to check whether a financial accident has occurred (415).

According to the implementation method of the present invention, the financial transaction history confirmation using the OTP of the financial transaction history recorded in the ledger on the financial system, the authentication used for the financial transaction among one or more financial transaction history recorded in the ledger on the financial system By confirming the method, it is preferable to confirm the financial transaction details using OTP among the financial transaction details recorded in the ledger on the financial system.

In addition, when the financial transaction history using the OTP is confirmed, it is preferable to check the financial transaction history of the financial accident occurred in the financial transaction history using the identified OTP.

According to the implementation method of the present invention, the financial transaction history confirmation of the financial accident occurred in the financial transaction details using the OTP, the financial transaction history (eg, financial It is advisable to report the financial transaction history of the financial accident using the OTP by reporting the transaction as a financial accident).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method and / or process for checking the financial transaction history of the financial accident occurred in the financial transaction history using the OTP, Detailed description is omitted for convenience.

If it is determined that a financial accident occurs according to the financial transaction history reading using the OTP (420), the server configures OTP-based financial accident information on the financial transaction in which the financial accident occurred in the financial transaction history using the OTP. After 425, the configured OTP-based financial accident information is transmitted to the insurance company server 155 to claim compensation (430).

According to an embodiment of the present invention, if it is determined whether a financial accident occurs in the financial transaction details using the OTP, the account information and the financial amount of the financial account in which the financial accident occurred in the financial transaction history using the OTP, Comprising OTP-based financial accident information including at least one OTP device information and OTP generation information used in the financial transaction that occurred the financial accident, and transmits the configured OTP-based financial accident information to the insurance company server 155 to pay compensation It is characterized by claiming.

In addition, when it is determined whether a financial accident occurs in the financial transaction history using the checked OTP, the compensation is calculated according to insurance information (ie, compensation calculation information for each financial accident) stored in the storage medium 150, and the calculated After configuring OTP-based financial accident information further comprising a compensation, it is possible to request the compensation payment by transmitting the configured OTP-based financial accident information to the insurance company server 155.

5 is a diagram illustrating an OTP payment registration system configuration that automatically handles insurance for financial accidents caused by OTP during OTP authentication-based financial transaction processing according to another embodiment of the present invention.

In more detail, Figure 5 shows that the customer inputs OTP authentication-based financial transaction application information including at least one of customer information, account information, OTP device information, and OTP generation information through an OTP device registration interface for OTP authentication-based financial transactions. (Or select), receiving the OTP authentication-based financial transaction application information, obtain the insurance subscription agreement corresponding to the received OTP authentication-based financial transaction application information to prepare for a financial accident that occurs during financial transactions using OTP As a system configuration for automatic insurance processing, if a person having ordinary knowledge in the technical field to which the present invention belongs, it occurs due to OTP when applying for the OTP authentication-based financial transaction by referring to and / or modifying the drawing 5 It would be possible to infer various implementation methods for the OTP payment registration system configuration that automatically handles the insurance against financial accidents. The present invention includes all embodiments in which the inference method, and is not limited that the technical features of only the exemplary method shown in the figure 5.

Referring to FIG. 5, the OTP payment registration system includes a customer terminal that provides OTP authentication-based financial transaction application information through an OTP device registration interface to use an OTP authentication-based financial transaction, and the customer information and account from the customer terminal. Interface providing means 500 for generating (or extracting) an OTP device registration interface and providing it to the customer terminal in order to receive OTP authentication-based financial transaction application information including at least one piece of information, OTP device information and OTP generation information. And information receiving means 505 for receiving the OTP authentication-based financial transaction application information input (or selected) through the provided OTP device registration interface, and checking the validity of the received OTP authentication-based financial transaction application information. Validation means 510, and when the validity of the received OTP authentication-based financial transaction application information is confirmed, the received OTP Certificate based processing financial transactions associated with the application information, characterized in that formed by having an information storage means 515 for storing in the storage medium 550.

The interface providing means 500 to receive the OTP authentication-based financial transaction application information including at least one or more customer information, account information, OTP device information and OTP generation information from the customer terminal, the OTP authentication-based financial transaction application And generating (or extracting) an OTP device registration interface for inputting (or selecting) information, and transmitting the generated (or extracted) OTP device registration interface to the customer terminal for output.

Subsequently, when OTP authentication-based financial transaction application information including at least one of customer information, account information, OTP device information, and OTP generation information is input (or selected) through the OTP device registration interface output from the customer terminal. Information receiving means 505 receives the OTP authentication-based financial transaction application information from the customer terminal.

Here, the customer information is information including the name and resident registration number of the customer. When the customer is a registered customer for the OTP authentication-based financial transaction, the customer information provides the OTP authentication-based financial transaction service. It is preferable that the identification information for checking whether the customer is already registered on the database provided in the server, the customer is not registered in the database provided in the server provided for the OTP authentication-based financial transaction services (Ie, a new customer), the customer information includes information that can be registered on a database provided in the server providing the OTP authentication-based financial transaction service (eg, name, social security number, address, contact information, etc.). desirable.

Preferably, the account information includes an account number consisting of a predetermined number of digits for the financial account held by the customer and financial institution information provided with the financial account.

The OTP device information preferably includes a management number (eg, a serial number (SN), etc.) assigned to the OTP device previously provided to the customer.

The OTP generation information preferably includes one or more fixed seed values for generating the OTP and parameters for determining the dynamic seed values.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to a time-synchronized OTP generation algorithm, and the parameter of the OTP generation information is the time- It is preferable to include the synchronization time setting information for determining the synchronization time corresponding to the dynamic seed value of the synchronization method OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the OTP generation information includes a seed fixed to be assigned to a challenge-response OTP generation algorithm, and the parameter of the OTP generation information is the challenge- It is preferable to include a random number generating seed for generating a random number corresponding to the dynamic seed value of the response type OTP.

When using the OTP authentication-based financial transaction through the customer mobile phone according to an embodiment of the present invention, if the personal identification number information transmitted from the customer mobile phone is authenticated, the OTP is generated on the server in place of the customer mobile phone and transmitted to the customer mobile phone. And when the customer mobile phone is used as a virtual OTP medium for an OTP authentication-based financial transaction that receives and outputs an OTP generated by the server, the OTP generation information is used to generate an OTP on a server in place of the customer mobile phone. It is preferred to include one or more fixed seed values and a parameter for determining the dynamic seed value.

If the customer mobile phone is provided with a mobile OTP generation program, in addition to using the customer mobile phone as the virtual OTP medium for financial transactions based on the OTP authentication, the OTP generation information is stored in the mobile OTP generation program provided in the customer mobile phone. Or at least one fixed seed value for generating an OTP and a parameter for determining a dynamic seed value, wherein the OTP generation information is provided to the customer cellular phone and is encrypted and stored in the customer cell phone memory, or It is stored in the USIM provided in the customer mobile phone (encryption storage possible).

When the OTP authentication-based financial transaction application information is received through the information receiving means 505, the validity checking means 510 includes the customer information, the account information, and the OTP device information included in the received OTP authentication-based financial transaction application information. And checking the validity of at least one of the OTP generation information.

According to an embodiment of the present invention, the validity of the received OTP authentication-based financial transaction application information is matched with the OTP authentication-based financial transaction application information to the ledger D / B on the financial system associated with the OTP payment registration system It is preferable to include whether the at least one ledger information is registered.

For example, the validity confirmation of the received OTP authentication-based financial transaction application information, the customer information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the account information of the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the OTP device information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include checking that the OTP matches the ledger stored in / B.

When the validity of the received OTP authentication-based financial transaction application information is confirmed through the validity confirming means 510, the information storage means 515 may include the customer information included in the received OTP authentication-based financial transaction application information. The card information, the OTP device information, and the OTP generation information may be processed to be stored in the storage medium 550.

Referring to Figure 5, the OTP payment registration system, if the received OTP authentication-based financial transaction application information is stored in the storage medium 550, the financial transaction using the OTP generated through the registered OTP device The interface providing means 500 for generating (or extracting) an insurance subscription agreement interface for requesting insurance in preparation for a financial accident that occurs during the financial accident, and through the insurance subscription agreement interface provided to the customer terminal. Responding to the account information of the customer through an information receiving means 505 for receiving the insurance agreement consent information inputted (or selected) and a financial system equipped with a customer ledger and an account ledger in response to the received insurance agreement consent information. Information extracting means (520) for extracting customer personal information necessary for the insurance from the customer ledger connected to the account ledger, and the additional The insurance application information including the received customer personal information, the received OTP device information (or stored in the storage medium 550) and OTP generation information, and the configured insurance application information to the insurance company server 555. The insurance processing unit 525 for requesting the insurance approval from the insurance company server and receiving insurance approval result information corresponding to the insurance application information from the insurance company server 555, and the insurance company server 555 transmitting the insurance insurance approval result information. When the insurance is approved for the insurance application information, insurance information, insurance payment information and compensation compensation financial information included in the insurance approval result information to the storage medium (550) and compensation information for each financial accident calculation compensation information It is provided with an information storage means 515 for processing the insurance information including at least one or more associated with the account information to store in the storage medium 550 And that is characterized.

If the received OTP authentication-based financial transaction application information is stored in the storage medium 550 in a cooperative process, the interface providing means 500 is a financial accident generated during a financial transaction using the OTP generated through the registered OTP device It is characterized in that to generate (or extract) the insurance subscription agreement interface to request the insurance to provide to the customer terminal.

According to the implementation method of the present invention, the insurance subscription agreement interface is preferably provided after the OTP authentication-based financial transaction application information received from the customer terminal is linked and stored in the storage medium 550.

According to another exemplary embodiment of the present invention, the insurance subscription agreement interface may be provided in a predetermined area (or a nearby predetermined area) on the output OTP device registration interface.

That is, the OTP device registration request information and the OTP authentication-based financial transaction application information are input (or selected) through the output OTP device registration interface (that is, the time point for requesting OTP device registration). It is also a good idea to receive the insurance agreement consent information.

When insurance agreement consent information is input (or selected) through the insurance agreement consent interface provided to the client terminal, the information receiving means 505 receives insurance agreement consent information input (or selected) through the insurance agreement consent interface. The information extracting means 520 registers the insurance from the customer ledger connected to the account ledger corresponding to the account information of the customer through a financial system having a customer ledger and an account ledger in response to the received insurance subscription agreement information. It is characterized by extracting customer personal information required for.

According to the implementation method of the present invention, the customer personal information extraction necessary for insurance corresponding to the received insurance agreement consent information, and transfers the account information for the customer transmitting the insurance agreement consent information to the financial system, the financial After checking the account ledger corresponding to the account information by checking the account ledger provided in the system, and checking the customer ledger connected with the confirmed account ledger, to extract the customer personal information necessary for insurance subscription from the confirmed customer ledger It is preferable.

According to another exemplary embodiment of the present invention, extracting customer personal information required for insurance corresponding to the received insurance agreement information may transmit customer information about a customer transmitting the insurance agreement consent information to a financial system. After checking the customer ledger corresponding to the customer information by inquiring the customer ledger provided in the financial system, it is preferable to extract customer personal information necessary for the insurance from the confirmed customer ledger.

The insurance processing unit 525 configures insurance application information including the extracted customer personal information, the received OTP device information (or stored in the storage medium 550) and OTP generation information, and the configured The insurance application information is transmitted to the insurance company server 555 to request the insurance approval, and the insurance application approval result information corresponding to the insurance application information is received from the insurance company server 555.

According to the implementation method of the present invention, the insurance subscription information configuration including the customer personal information, OTP device information and OTP generation information, the insurance subscription agreement interface inputs the received OTP authentication-based financial transaction application information (or The OTP device information, the OTP generation information, and the extracted customer personal information included in the received OTP authentication-based financial transaction application information, when outputted in a certain area (or a nearby area) on the OTP device registration interface It is preferable to configure insurance application information including at least one.

According to another embodiment of the present invention, the insurance application information configuration including the customer personal information, OTP device information and OTP generation information is provided with the OTP device registration interface, and is input through the provided OTP device registration interface ( Or optional) receiving the OTP authentication-based financial transaction application information and storing it in the storage medium 550, and if an insurance subscription agreement interface is provided separately, insurance (input or input) entered through the insurance agreement consent interface is provided. Receiving the consent information, and further includes customer information (or information for identifying the customer or the OTP authentication-based financial transaction application information provided by the customer) included in the received insurance agreement information, OTP device information and OTP generation information and information by checking one or more information stored in the storage medium 550 based on customer information It is preferable that the insurance application information includes at least one of the groups extracted personal information.

After the configuration of the insurance application information is completed, the insurance application information is completed is transmitted to the insurance company server 555 associated with the OTP payment registration system, the insurance company server 555 for the insurance request request for When the approval is completed, it is preferable to receive corresponding insurance approval result information.

Here, it is preferable that the received insurance approval result information includes insurance policy information, insurance payment information, financial compensation information subject to compensation payment, and compensation information calculated for each financial accident.

The insurance policy information is the name of the insurance product for the insurance product to subscribe for the treatment of financial accidents caused by OTP during the financial transaction processing using the OTP and customer personal information (for example, the customer who subscribed to the insurance product) Name, social security number, address, etc.), various special information about the insurance product, and maximum compensation amount information provided through the insurance product.

The insurance payment information includes insurance payment account information for the financial account where the insurance money to be paid is deposited in order for the insurance money to be paid to the insurance company to be provided to the insurer, information on the amount of the insurance money to be paid by the period, and the status of the customer (eg, OTP). It is preferable to include at least one claim payment amount calculation information for calculating the amount of insurance to be paid in response to the number of times of use) and information on the date of payment of the amount of money to be paid by the customer.

According to the implementation method of the present invention, it is confirmed whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, withdraw the insurance payment amount necessary for the maintenance of insurance from the insurance payment payment account, It is preferable to transfer / deposit to the insurer's claim storage account.

According to another exemplary embodiment of the present invention, it is determined whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, the insurance payment amount to be paid by the customer is calculated based on the insurance payment amount calculation information. In addition, it is preferable to process the withdrawal processing of the calculated insurance payment amount from the insurance payment payment account and transfer / deposit the insurance payment storage account of the insurance company.

For example, it is preferable that the customer is calculated by reflecting the size of the financial transaction using OTP and the maximum compensation amount for receiving an insurance accident.

Here, it is preferable that the insurance premium to be paid to the insurer provides an incentive based on the number of times or the total amount used for the financial transaction using the OTP by the customer.

For example, when the customer has a lot of financial transactions using OTP, it is preferable to discount the insurance premium to be paid, and the discounted amount may be provided by a financial institution or supported by a card company.

Preferably, the insurance payment target financial accident information includes at least one or more financial accident names or financial accident types for financial accidents caused by OTP when the customer processes the financial transaction using the OTP. .

The compensation calculation information is to provide a compensation to be compensated to the customer in response to a financial accident belonging to the claim payment out of the financial accidents occurred when the customer uses the OTP authentication-based financial transaction services, It is preferable to include at least one or more reference information for calculating the compensation.

The information storage means 515 is the insurance policy information included in the insurance approval approval result information to the storage medium 550, if the insurance subscription for the insurance application information sent from the insurance company server 555 is approved; The insurance information including at least one of insurance payment information, compensation payment target financial accident information, and compensation information for each financial accident is stored in the storage medium 550 in connection with the account information.

Referring to FIG. 5, the OTP payment registration system checks the financial transaction history using the OTP among the financial transaction details recorded in the ledger on the financial system, and reads whether a financial accident occurs in the financial transaction history using the identified OTP. When the information reading means 530 and whether or not a financial accident occurs in the financial transaction history using the OTP is confirmed, the OTP-based financial accident information for the financial transaction in which the financial accident occurred in the financial transaction history using the OTP Afterwards, the OTP-based financial accident information is configured to be provided with a compensation claim means 535 for requesting payment of compensation by the insurance company server 555.

The information reading means 530 checks the financial transaction details using the OTP of the financial transaction details recorded in the ledger on the financial system, and reads whether or not a financial accident occurs in the financial transaction details using the checked OTP. .

According to the implementation method of the present invention, the financial transaction history confirmation using the OTP of the financial transaction history recorded in the ledger on the financial system, the authentication used for the financial transaction among one or more financial transaction history recorded in the ledger on the financial system By confirming the method, it is preferable to confirm the financial transaction details using OTP among the financial transaction details recorded in the ledger on the financial system.

In addition, when the financial transaction history using the OTP is confirmed, it is preferable to check the financial transaction history of the financial accident occurred in the financial transaction history using the identified OTP.

According to the implementation method of the present invention, the financial transaction history confirmation of the financial accident occurred in the financial transaction details using the OTP, the financial transaction history (eg, financial It is advisable to report the financial transaction history of the financial accident using the OTP by reporting the transaction as a financial accident).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method and / or process for checking the financial transaction history of the financial accident occurred in the financial transaction history using the OTP, Detailed description is omitted for convenience.

The compensation claim means 535, when the financial accident occurrence of the financial transaction using the confirmed OTP is confirmed, and configures OTP-based financial accident information on the financial transaction in which the financial accident occurred in the financial transaction using the OTP Afterwards, the OTP-based financial accident information is configured to transmit the compensation to the insurance company server 555.

According to an embodiment of the present invention, if it is determined whether a financial accident occurs in the financial transaction details using the OTP, the account information and the financial amount of the financial account in which the financial accident occurred in the financial transaction history using the OTP, Comprising OTP-based financial accident information including at least one OTP device information and OTP generation information used in the financial transaction that occurred the financial accident, and transmits the configured OTP-based financial accident information to the insurance company server 555 to pay compensation It is characterized by claiming.

In addition, if it is determined whether a financial accident occurs in the financial transaction history using the checked OTP, the compensation is calculated according to insurance information (ie, compensation calculation information for each financial accident) stored in the storage medium 550, and the calculated After configuring the OTP-based financial accident information further comprising a compensation, it is possible to send the configured OTP-based financial accident information to the insurance company server 555 to claim the compensation payment.

Referring to FIG. 5, the OTP payment registration system checks whether the OTP device information or OTP generation information stored in the storage medium 550 is changed in association with the account information, and if the OTP device information or OTP generation information is changed. If one or more of the change is confirmed, the insurance to check whether the insurance to configure the insurance renewal application information, including the account information and the changed OTP device information or OTP generation information and transmits to the insurance company server 555 to request insurance renewal insurance Check whether the OTP device information or OTP generation information stored in the storage medium 550 is deleted or deactivated in association with the update processing means 540 and the account information, or the OTP device information or OTP generation information is deleted or In the case of deactivation, the amount of the insurance premium to be refunded is calculated by checking the previously paid insurance premium on the date of deactivation. Thereafter, insurance cancellation processing information including the calculated insurance money settlement amount to be refunded, user personal information and insurance policy information necessary for insurance termination, is transmitted to the insurance company server 555 to request insurance termination. It is characterized by comprising a means 545.

The insurance renewal processing means 540 checks whether the OTP device information or OTP generation information stored in the storage medium 550 is changed in connection with the account information, and if at least one of OTP device information or OTP generation information is changed. In the case of a change, the insurance subscription request information is configured to check whether the insurance is registered and to transmit the insurance renewal application information including the account information and the changed OTP device information or the OTP generation information to the insurance company server 555 to request insurance renewal.

According to the exemplary embodiment of the present invention, whether the OTP device information or the OTP generation information stored in the storage medium 550 is changed in connection with the account information, the OTP device information or the OTP stored in the storage medium 550 is changed. When the OTP device registration interface for inputting (or selecting) generation information is output, the OTP device information or OTP generation information input (or selected) through the output OTP device registration interface and the storage medium 550 are written to the storage medium 550. By comparing the stored OTP device information or OTP generation information with each other, it is preferable to check whether the OTP device information or OTP generation information stored in the storage medium 550 is changed.

According to another exemplary embodiment of the present invention, whether the OTP device information or OTP generation information stored in the storage medium 550 is changed in connection with the account information may be determined by using the OTP device information stored in the storage medium 550 or Whether the OTP device information or the OTP generation information stored in the storage medium 550 in connection with the account information is changed by further including information indicating whether or not the OTP generation information is changed. It is desirable to check.

If one or more of the OTP device information or the OTP generation information is changed, it is preferable to construct insurance renewal application information including the account information and the changed OTP device information or OTP generation information, and transmit the information to the insurance company server 555.

The insurance termination processing means 545 checks whether the OTP device information or OTP generation information stored in the storage medium 550 is deleted or deactivated in association with the account information, and the OTP device information or OTP generation information is deleted or Or, if it is deactivated, calculate the amount of insurance premiums to be refunded by checking the insurance premiums already paid based on the date of deactivation, and then calculate the amount of the refunds to be refunded and the user's personal information and insurance information necessary for termination of insurance. Compose the insurance termination application information, including the transmission to the insurance company server 555, characterized in that for requesting termination of insurance.

Here, the insurance settlement amount to be refunded by the user can be calculated and provided by the insurance company server 555, whereby the present invention is not limited.

FIG. 6 is a diagram illustrating a process of automatically processing an insurance subscription for a financial accident caused by an OTP when processing a financial transaction using an OTP according to an embodiment of the present invention.

In more detail, Fig. 6 shows that a customer inputs OTP authentication-based financial transaction application information including at least one of customer information, account information, OTP device information, and OTP generation information through an OTP device registration interface for OTP authentication-based financial transactions. (Or select), the insurance against financial accidents generated during financial transactions using OTP by receiving the OTP authentication-based financial transaction application information, and obtaining an insurance subscription agreement corresponding to the received OTP authentication-based financial transaction application information. In the process of the automatic subscription to the process, if one of ordinary skill in the art to which the present invention belongs, the financial generated by OTP during the OTP authentication-based financial transaction processing by referring to and / or modifying the Figure 6 It would be possible to infer various implementation methods for the process of automatically processing insurance against accidents, but the present invention is inferred The technical features are not limited only to the implementation method illustrated in FIG. 6 including all implementation methods.

That is, the process shown in FIG. 6 is a basic process for implementing the OTP payment registration system shown in FIG. 5, and the actual OTP generation condition registration process includes all the various implementation methods shown / described in FIG. .

Hereinafter, in FIG. 6, at least one or more means on the OTP payment registration system shown in FIG. 5 is referred to as a 'server'.

Referring to FIG. 6, an OTP authentication-based financial transaction application including at least one of customer information, account information, OTP device information, OTP generation information, and insurance consent information in order for a customer to use an OTP authentication-based financial transaction, The insurance subscription agreement information provided in the OTP authentication-based financial transaction application may be provided in a separate insurance agreement application form), and then submitted, the OTP authentication-based financial transaction application information corresponding to the OTP authentication-based financial transaction application and Requesting an interface for inputting (or selecting) insurance subscription consent information, and correspondingly, the server provides the client terminal with an OTP device registration interface including an insurance subscription consent interface corresponding to the request of the client terminal; 600) and the OTP authentication-based financial transaction application information through the provided OTP device registration interface The insurance agreement consent information is input (or selected) (605).

Here, the customer information is information including the name and resident registration number of the customer. When the customer is a registered customer for the OTP authentication-based financial transaction, the customer information provides the OTP authentication-based financial transaction service. It is preferable that the identification information for checking whether the customer is already registered on the database provided in the server, the customer is not registered in the database provided in the server provided for the OTP authentication-based financial transaction services (Ie, a new customer), the customer information includes information that can be registered on a database provided in the server providing the OTP authentication-based financial transaction service (eg, name, social security number, address, contact information, etc.). desirable.

Preferably, the account information includes an account number consisting of a predetermined number of digits for the financial account held by the customer and financial institution information provided with the financial account.

The OTP device information preferably includes a management number (eg, a serial number (SN), etc.) assigned to the OTP device previously provided to the customer.

The OTP generation information preferably includes one or more fixed seed values for generating the OTP and parameters for determining the dynamic seed values.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to a time-synchronized OTP generation algorithm, and the parameter of the OTP generation information is the time- It is preferable to include the synchronization time setting information for determining the synchronization time corresponding to the dynamic seed value of the synchronization method OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to an OTP generation algorithm of a challenge-response manner, and the parameter of the OTP generation information is the challenge- It is preferable to include a random number generating seed for generating a random number corresponding to the dynamic seed value of the response type OTP.

When using the OTP authentication-based financial transaction through the customer mobile phone according to an embodiment of the present invention, if the personal identification number information transmitted from the customer mobile phone is authenticated, the OTP is generated on the server in place of the customer mobile phone and transmitted to the customer mobile phone. And when the customer mobile phone is used as a virtual OTP medium for an OTP authentication-based financial transaction that receives and outputs an OTP generated by the server, the OTP generation information is used to generate an OTP on a server in place of the customer mobile phone. It is preferred to include one or more fixed seed values and a parameter for determining the dynamic seed value.

If the customer mobile phone is provided with a mobile OTP generation program, in addition to using the customer mobile phone as the virtual OTP medium for financial transactions based on the OTP authentication, the OTP generation information is stored in the mobile OTP generation program provided in the customer mobile phone. Or at least one fixed seed value for generating an OTP and a parameter for determining a dynamic seed value, wherein the OTP generation information is provided to the customer cellular phone and is encrypted and stored in the customer cell phone memory, or It is stored in the USIM provided in the customer mobile phone (encryption storage possible).

If the OTP authentication-based financial transaction application information and insurance subscription agreement information are input (or selected) through the output OTP device registration interface (610), the customer terminal is input (or via the output OTP device registration interface). Select) transmits the OTP authentication-based financial transaction application information, and correspondingly, the server receives the OTP authentication-based financial transaction application information and insurance subscription agreement information transmitted from the client terminal (615), and receives the received financial The validity of the transaction application information is checked (620).

According to the method of the present invention, the validity confirmation of the received OTP authentication-based financial transaction application information, the OTP authentication-based financial transaction application information to the ledger D / B on the financial system associated with the OTP payment registration system It is preferable to include checking whether at least one matching ledger information is registered.

For example, the validity confirmation of the received OTP authentication-based financial transaction application information, the customer information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the account information of the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the OTP device information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include checking that the OTP matches the ledger stored in / B.

If the validity of the received OTP authentication-based financial transaction application information is confirmed (625), the server extracts customer personal information necessary for insurance in connection with the financial system connected through the communication network, and the extracted customer The insurance application information is configured based on the personal information (630).

According to the implementation method of the present invention, the customer personal information extraction necessary for insurance corresponding to the received insurance agreement consent information, and transfers the account information for the customer transmitting the insurance agreement consent information to the financial system, the financial After checking the account ledger corresponding to the account information by checking the account ledger provided in the system, and checking the customer ledger connected with the confirmed account ledger, to extract the customer personal information necessary for insurance subscription from the confirmed customer ledger It is preferable.

According to another exemplary embodiment of the present invention, extracting customer personal information required for insurance corresponding to the received insurance agreement information may transmit customer information about a customer transmitting the insurance agreement consent information to a financial system. After checking the customer ledger corresponding to the customer information by inquiring the customer ledger provided in the financial system, it is preferable to extract customer personal information necessary for the insurance from the confirmed customer ledger.

Thereafter, the server transmits the configured insurance application information to an insurance company server 555 to request approval for insurance insurance (635), and correspondingly, the insurance company server 555 transmits the received insurance application information. After determining whether to approve the insurance, it generates insurance approval result corresponding thereto (640) and transmits it to the server (645).

According to the implementation method of the present invention, the insurance subscription information configuration including the customer personal information, OTP device information and OTP generation information, the insurance subscription agreement interface inputs the received OTP authentication-based financial transaction application information (or The OTP device information, the OTP generation information, and the extracted customer personal information included in the received OTP authentication-based financial transaction application information, when outputted in a certain area (or a nearby area) on the OTP device registration interface It is preferable to configure insurance application information including at least one.

According to another embodiment of the present invention, the insurance application information configuration including the customer personal information, OTP device information and OTP generation information is provided with the OTP device registration interface, and is input through the provided OTP device registration interface ( Or optional) receiving the OTP authentication-based financial transaction application information and storing it in the storage medium 550, and if an insurance subscription agreement interface is provided separately, insurance (input or input) entered through the insurance agreement consent interface is provided. Receiving the consent information, and further includes customer information (or information for identifying the customer or the OTP authentication-based financial transaction application information provided by the customer) included in the received insurance agreement information, OTP device information and OTP generation information and information by checking one or more information stored in the storage medium 550 based on customer information It is preferable to configure insurance application information including at least one or more of the extracted customer personal information.

After the configuration of the insurance application information is completed, the insurance application information is completed is transmitted to the insurance company server 555 associated with the OTP payment registration system, the insurance company server 555 for the insurance request request for When the approval is completed, it is preferable to receive corresponding insurance approval result information.

Here, it is preferable that the received insurance approval result information includes insurance policy information, insurance payment information, financial compensation information subject to compensation payment, and compensation information calculated for each financial accident.

The insurance policy information is the name of the insurance product for the insurance product to subscribe for the treatment of financial accidents caused by OTP during the financial transaction processing using the OTP and customer personal information (for example, the customer who subscribed to the insurance product) Name, social security number, address, etc.), various special information about the insurance product, and maximum compensation amount information provided through the insurance product.

The insurance payment information includes insurance payment account information for the financial account where the insurance money to be paid is deposited in order for the insurance money to be paid to the insurance company to be provided to the insurer, information on the amount of the insurance money to be paid by the period, and the status of the customer (eg, OTP). It is preferable to include at least one claim payment amount calculation information for calculating the amount of insurance to be paid in response to the number of times of use) and information on the date of payment of the amount of money to be paid by the customer.

According to the implementation method of the present invention, it is confirmed whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, withdraw the insurance payment amount necessary for the maintenance of insurance from the insurance payment payment account, It is preferable to transfer / deposit to the insurer's claim storage account.

According to another exemplary embodiment of the present invention, it is determined whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, the insurance payment amount to be paid by the customer is calculated based on the insurance payment amount calculation information. In addition, it is preferable to process the withdrawal processing of the calculated insurance payment amount from the insurance payment payment account and transfer / deposit the insurance payment storage account of the insurance company.

For example, it is preferable that the customer is calculated by reflecting the size of the financial transaction using OTP and the maximum compensation amount for receiving an insurance accident.

Here, it is preferable that the insurance premium to be paid to the insurer provides an incentive based on the number of times or the total amount used for the financial transaction using the OTP by the customer.

For example, when the customer has a lot of financial transactions using OTP, it is preferable to discount the insurance premium to be paid, and the discounted amount may be provided by a financial institution or supported by a card company.

Preferably, the insurance payment target financial accident information includes at least one or more financial accident names or financial accident types for financial accidents caused by OTP when the customer processes the financial transaction using the OTP. .

The compensation calculation information is to provide a compensation to be compensated to the customer in response to a financial accident belonging to the claim payment out of the financial accidents occurred when the customer uses the OTP authentication-based financial transaction services, It is preferable to include at least one or more reference information for calculating the compensation.

Thereafter, the server processes the received insurance approval approval result information and the OTP authentication-based financial transaction application information in association with the storage medium 550 shown in FIG. 5 (650).

7 is a diagram illustrating a process of automatically processing insurance coverage for financial accidents caused by OTP during the financial transaction processing using the OTP according to another embodiment of the present invention.

In more detail, Figure 7 shows that the customer inputs OTP authentication-based financial transaction application information including at least one of customer information, account information, OTP device information, and OTP generation information through an OTP device registration interface for OTP authentication-based financial transactions. (Or select), the insurance against financial accidents generated during financial transactions using OTP by receiving the OTP authentication-based financial transaction application information, and obtaining an insurance subscription agreement corresponding to the received OTP authentication-based financial transaction application information. In the process of automatic subscription to the process, if one of ordinary skill in the art to which the present invention belongs, the financial generated by OTP when processing the OTP authentication-based financial transaction by referring to and / or modifying the Figure 7 It would be possible to infer various implementation methods for the process of automatically handling insurance for accidents, but the present invention is inferred Including all embodiments and methods shall not be limited to the technical features that only the exemplary method shown in the figure 7.

That is, the process shown in FIG. 7 is a basic process for implementing the OTP payment registration system shown in FIG. 5, and the actual OTP generation condition registration process includes all the various implementation methods illustrated / described in FIG. Is done.

Hereinafter, in FIG. 7, at least one or more means on the OTP payment registration system shown in FIG. 5 is referred to as a 'server'.

Referring to FIG. 7, when a customer prepares and submits an OTP authentication-based financial transaction application including at least one of customer information, account information, OTP device information, and OTP generation information in order to use the OTP authentication-based financial transaction, the OTP Request an interface for inputting (or selecting) OTP authentication-based financial transaction application information corresponding to the authentication-based financial transaction application, and in response, the server requests an OTP device registration interface corresponding to the request of the client terminal. In step 700, the OTP authentication-based financial transaction application information is input (or selected) through the provided OTP device registration interface (705).

Here, the customer information is information including the name and resident registration number of the customer. When the customer is a registered customer for the OTP authentication-based financial transaction, the customer information provides the OTP authentication-based financial transaction service. It is preferable that the identification information for checking whether the customer is already registered on the database provided in the server, the customer is not registered in the database provided in the server provided for the OTP authentication-based financial transaction services (Ie, a new customer), the customer information includes information (eg, name, social security number, address, contact information, etc.) that can be registered on a database provided in the server providing the OTP authentication-based financial transaction service. It is preferable.

Preferably, the account information includes an account number consisting of a predetermined number of digits for the financial account held by the customer and financial institution information provided with the financial account.

The OTP device information preferably includes a management number (eg, a serial number (SN), etc.) assigned to the OTP device previously provided to the customer.

The OTP generation information preferably includes one or more fixed seed values for generating the OTP and parameters for determining the dynamic seed values.

For example, if the OTP is generated in a time-synchronized manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to a time-synchronized OTP generation algorithm, and the parameter of the OTP generation information is the time- It is preferable to include the synchronization time setting information for determining the synchronization time corresponding to the dynamic seed value of the synchronization method OTP.

Or, if the OTP is generated in a challenge-response manner, the fixed seed value of the OTP generation information includes a seed fixed to assign to an OTP generation algorithm of a challenge-response manner, and the parameter of the OTP generation information is the challenge- It is preferable to include a random number generating seed for generating a random number corresponding to the dynamic seed value of the response type OTP.

When using the OTP authentication-based financial transaction through the customer mobile phone according to an embodiment of the present invention, if the personal identification number information transmitted from the customer mobile phone is authenticated, the OTP is generated on the server in place of the customer mobile phone and transmitted to the customer mobile phone. And when the customer mobile phone is used as a virtual OTP medium for an OTP authentication-based financial transaction that receives and outputs an OTP generated by the server, the OTP generation information is used to generate an OTP on a server in place of the customer mobile phone. It is preferred to include one or more fixed seed values and a parameter for determining the dynamic seed value.

If the customer mobile phone is provided with a mobile OTP generation program, in addition to using the customer mobile phone as the virtual OTP medium for financial transactions based on the OTP authentication, the OTP generation information is stored in the mobile OTP generation program provided in the customer mobile phone. Or at least one fixed seed value for generating an OTP and a parameter for determining a dynamic seed value, wherein the OTP generation information is provided to the customer cellular phone and is encrypted and stored in the customer cell phone memory, or It is stored in the USIM provided in the customer mobile phone (encryption storage possible).

If OTP authentication-based financial transaction application information is input (or selected) through the outputted OTP device registration interface (710), the client terminal inputs (or selects) OTP authentication through the outputted OTP device registration interface. Transmits the financial transaction application information, and in response, the server receives the OTP authentication-based financial transaction application information transmitted from the client terminal (715) and confirms the validity of the received financial transaction application information ( 720).

According to an embodiment of the present invention, the validity of the received OTP authentication-based financial transaction application information is matched with the OTP authentication-based financial transaction application information to the ledger D / B on the financial system associated with the OTP payment registration system It is preferable to include whether the at least one ledger information is registered.

For example, the validity confirmation of the received OTP authentication-based financial transaction application information, the customer information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the account information of the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D / It is preferable to include checking whether it matches with the account ledger stored in B.

In addition, the validity of the received OTP authentication-based financial transaction application information, the OTP device information among the information contained in the received OTP authentication-based financial transaction application information ledger on the financial system associated with the OTP payment registration system D It is desirable to include checking that the OTP matches the ledger stored in / B.

If the validity of the received OTP authentication-based financial transaction application information is confirmed (725), the server associates and processes the OTP authentication-based financial transaction application information that has been verified, and the storage medium shown in FIG. 550.

Subsequently, the server provides an insurance subscription agreement interface for requesting an insurance subscription agreement for insurance against a financial incident that may occur when using an OTP authentication-based financial transaction service (735), and correspondingly, the client terminal. The terminal checks whether insurance subscription consent information is input (or selected) through the provided insurance agreement interface (740).

If insurance subscription agreement information is input (or selected) through the provided insurance agreement interface (745), the server receives insurance agreement consent information (or selected) entered through the insurance agreement consent interface (750). In response, the server extracts customer personal information necessary for insurance in connection with the financial system connected through the communication network, and configures insurance application information based on the extracted customer personal information (755).

According to the implementation method of the present invention, the customer personal information extraction necessary for insurance corresponding to the received insurance agreement consent information, and transfers the account information for the customer transmitting the insurance agreement consent information to the financial system, the financial After checking the account ledger corresponding to the account information by checking the account ledger provided in the system, and checking the customer ledger connected with the confirmed account ledger, to extract the customer personal information necessary for insurance subscription from the confirmed customer ledger It is preferable.

According to another exemplary embodiment of the present invention, extracting customer personal information required for insurance corresponding to the received insurance agreement information may transmit customer information about a customer transmitting the insurance agreement consent information to a financial system. After checking the customer ledger corresponding to the customer information by inquiring the customer ledger provided in the financial system, it is preferable to extract customer personal information necessary for the insurance from the confirmed customer ledger.

Thereafter, the server transmits the configured insurance subscription application information to an insurance company server 555 to request approval for insurance subscription (760), and correspondingly, the insurance company server 555 transmits the received insurance subscription application information. After confirming whether the insurance is approved or not, the insurance approval result information corresponding thereto is generated (765) and transmitted to the server (770).

According to the implementation method of the present invention, the insurance subscription information configuration including the customer personal information, OTP device information and OTP generation information, the insurance subscription agreement interface inputs the received OTP authentication-based financial transaction application information (or The OTP device information, the OTP generation information, and the extracted customer personal information included in the received OTP authentication-based financial transaction application information, when outputted in a certain area (or a nearby area) on the OTP device registration interface It is preferable to configure insurance application information including at least one.

According to another embodiment of the present invention, the insurance application information configuration including the customer personal information, OTP device information and OTP generation information is provided with the OTP device registration interface, and is input through the provided OTP device registration interface ( Alternatively, after receiving the OTP authentication-based financial transaction application information to be stored in the storage medium 550, if the insurance subscription agreement interface is provided separately, the insurance is entered (or selected) through the insurance agreement agreement interface Receiving the consent information, and further includes customer information (or information for identifying the customer or the OTP authentication-based financial transaction application information provided by the customer) included in the received insurance agreement information, OTP device information and OTP generation information and information by checking one or more information stored in the storage medium 550 based on customer information It is preferable to configure insurance application information including at least one or more of the extracted customer personal information.

After the configuration of the insurance application information is completed, the insurance application information is completed is transmitted to the insurance company server 555 associated with the OTP payment registration system, the insurance company server 555 for the insurance request request for When the approval is completed, it is preferable to receive corresponding insurance approval result information.

Here, it is preferable that the received insurance approval result information includes insurance policy information, insurance payment information, financial compensation information subject to compensation payment, and compensation information calculated for each financial accident.

The insurance policy information is the name of the insurance product for the insurance product to subscribe for the treatment of financial accidents caused by OTP during the financial transaction processing using the OTP and customer personal information (for example, the customer who subscribed to the insurance product) Name, social security number, address, etc.), various special information about the insurance product, and maximum compensation amount information provided through the insurance product.

The insurance payment information includes insurance payment account information for the financial account where the insurance money to be paid is deposited in order for the insurance money to be paid to the insurance company to be provided to the insurer, information on the amount of the insurance money to be paid by the period, and the status of the customer (eg, OTP). It is preferable to include at least one claim payment amount calculation information for calculating the amount of insurance to be paid in response to the number of times of use) and information on the date of payment of the amount of money to be paid by the customer.

According to the implementation method of the present invention, it is confirmed whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, withdraw the insurance payment amount necessary for the maintenance of insurance from the insurance payment payment account, It is preferable to transfer / deposit to the insurer's claim storage account.

According to another exemplary embodiment of the present invention, it is determined whether the insurance payment date and time for the customer arrives, and when the insurance payment date and time arrives, the insurance payment amount to be paid by the customer is calculated based on the insurance payment amount calculation information. In addition, it is preferable to process the withdrawal processing of the calculated insurance payment amount from the insurance payment payment account and transfer / deposit the insurance payment storage account of the insurance company.

For example, it is preferable that the customer is calculated by reflecting the size of the financial transaction using OTP and the maximum compensation amount for receiving an insurance accident.

Here, it is preferable that the insurance premium to be paid to the insurer provides an incentive based on the number of times or the total amount used for the financial transaction using the OTP by the customer.

For example, when the customer has a lot of financial transactions using OTP, it is preferable to discount the insurance premium to be paid, and the discounted amount may be provided by a financial institution or supported by a card company.

Preferably, the insurance payment target financial accident information includes at least one or more financial accident names or financial accident types for financial accidents caused by OTP when the customer processes the financial transaction using the OTP. .

The compensation calculation information is to provide a compensation to be compensated to the customer in response to a financial accident belonging to the claim payment out of the financial accidents occurred when the customer uses the OTP authentication-based financial transaction services, It is preferable to include at least one or more reference information for calculating the compensation.

Thereafter, the server processes the insurance subscription approval result information previously stored in the storage medium 550 and the OTP authentication-based financial transaction application information in the storage medium 550 shown in FIG. 5 (775).

8 is a diagram illustrating a process of claiming insurance claims for financial accidents generated in a financial transaction process using an OTP according to an embodiment of the present invention.

In more detail, Figure 8 shows that a customer uses one or more financial transaction services provided by a financial institution, and the financial transaction details of the financial transaction service are recorded in the ledger of the financial system, and the financial transaction details recorded in the ledger. The process of claiming the financial transaction history using the OTP to read the occurrence of a financial accident, and then claims the insurance money corresponding to the insurance company server 555, having a general knowledge in the art It will be possible to infer various implementation methods for claiming insurance claims for financial accidents incurred in financial transactions using OTP by referring to and / or modifying this drawing 8, but the present invention is inferred from all The technical features are not limited only to the implementation method shown in FIG. 8 including the implementation method.

Hereinafter, in FIG. 8, at least one or more means on the OTP payment registration system shown in FIG. 5 is referred to as a 'server'.

Referring to FIG. 8, the server shown in FIG. 5 requests the financial system to query the financial transaction details using OTP among the financial transaction details recorded in the ledger on the financial system (800). The financial transaction history using the OTP is checked among the financial transaction details recorded in the ledger on the financial system (805), and the financial transaction history using the checked OTP is transmitted to the server (810).

Thereafter, the server reads the financial transaction history using the checked OTP to check whether a financial accident has occurred (815).

According to the implementation method of the present invention, the financial transaction history confirmation using the OTP of the financial transaction history recorded in the ledger on the financial system, the authentication used for the financial transaction among one or more financial transaction history recorded in the ledger on the financial system By confirming the method, it is preferable to confirm the financial transaction details using OTP among the financial transaction details recorded in the ledger on the financial system.

In addition, when the financial transaction history using the OTP is confirmed, it is preferable to check the financial transaction history of the financial accident occurred in the financial transaction history using the identified OTP.

According to the implementation method of the present invention, the financial transaction history confirmation of the financial accident occurred in the financial transaction details using the OTP, the financial transaction history (eg, financial It is advisable to report the financial transaction history of the financial accident using the OTP by reporting the transaction as a financial accident).

Those skilled in the art to which the present invention pertains, since they will be familiar with the technical features of the method and / or process for checking the financial transaction history of the financial accident occurred in the financial transaction history using the OTP, Detailed description is omitted for convenience.

If it is determined that a financial accident has occurred according to the reading of the financial transaction history using the OTP (820), the server configures OTP-based financial accident information on the financial transaction in which the financial accident occurred in the financial transaction history using the OTP. Thereafter, 825, the OTP-based financial accident information is transmitted to the insurance company server 555 to claim compensation (830).

According to an embodiment of the present invention, if it is determined whether a financial accident occurs in the financial transaction details using the OTP, the account information and the financial amount of the financial account in which the financial accident occurred in the financial transaction history using the OTP, Comprising OTP-based financial accident information including at least one OTP device information and OTP generation information used in the financial transaction that occurred the financial accident, and transmits the configured OTP-based financial accident information to the insurance company server 555 to pay compensation It is characterized by claiming.

In addition, if it is determined whether a financial accident occurs in the financial transaction history using the checked OTP, the compensation is calculated according to insurance information (ie, compensation calculation information for each financial accident) stored in the storage medium 550, and the calculated After configuring the OTP-based financial accident information further comprising a compensation, it is possible to send the configured OTP-based financial accident information to the insurance company server 555 to claim the compensation payment.

According to the present invention, when a financial accident occurs while a customer uses a financial transaction service as described above, it is possible for the customer to be compensated for this through the insurance of the OTP registration process.

Claims (9)

When the account information, OTP device information, and OTP generation information of a customer who processes a financial transaction using OTP are stored in association with a storage medium, insurance for a financial accident occurring during a financial transaction using the OTP to a terminal used by the customer Providing an insurance coverage agreement interface requesting subscription to; When the insurance agreement is confirmed through the insurance agreement consent interface, the customer personal information necessary for the insurance is extracted from the director of the financial company that stores customer information about the customer through the account information, and the customer personal information and Constructing insurance subscription information including OTP device information and OTP generation information and transmitting the insurance subscription information to an insurance company server; When the insurance is approved through the insurance company server, insurance information including one or more of insurance policy information, insurance payment information, compensation payment financial accident information, compensation compensation calculation information for each financial accident according to the insurance to the storage medium; Storing in association with the account information; Checking a financial transaction history using the OTP among financial transaction details recorded in the financial institution ledger, and reading the identified financial transaction history to determine whether a financial accident occurs using the OTP; When the financial accident using the OTP is confirmed, the insurance company server by configuring the OTP-based financial accident information including one or more of account information, financial accident amount, OTP device information and OTP generation information corresponding to the financial accident using the OTP Claiming the payment of the compensation payment by transmitting to the insurance product automatic subscription processing method associated with the OTP comprising a. The method of claim 1, Determining the payment of the compensation according to the financial accident information of the compensation payment of the insurance information stored in the storage medium, when the financial accident using the OTP is confirmed; When the compensation payment is determined, calculating the compensation according to the financial accident compensation calculation information of the insurance information stored in the storage medium and claiming to the insurance company server; Automatic insurance product linked to the OTP comprising a How to handle a subscription. The method of claim 1, The said insurance payment information, It includes a claim payment account information, insurance payment amount and insurance payment date and time, Checking whether the insurance payment is due and paid; When the benefit payment date arrives, withdrawal of the payment amount from the payment payment account and deposits the insurance payment account of the insurance company; further comprising the insurance product automatic subscription processing method associated with the OTP. The method of claim 1, The said insurance payment information, The insurance payment account information, insurance payment amount calculation information and insurance payment date and time, Checking whether the insurance payment is due and paid; Calculating an insurance payment amount based on the insurance payment amount calculation information when the insurance payment payment date arrives; And And withdrawing the insurance payment amount from the insurance payment payment account and depositing the insurance payment amount into an insurance company's insurance payment receiving account. The method of claim 1, Checking the number / amount of financial transactions using the OTP; Adjusting the insurance payment information so that the insurance payment amount is reduced in inverse proportion to the number / amount of the financial transaction; Automatic insurance product subscription processing method associated with the OTP characterized in that it further comprises. The method of claim 1, Checking whether the OTP device information and the OTP generation information stored in the storage medium are changed in association with the account information; When the change of the OTP device information and the OTP generation information is confirmed, the insurance renewal application information including insurance policy information of the insurance information stored in the storage medium and the changed OTP device information and OTP generation information is configured and transmitted to the insurance company server. Automatic insurance subscription processing method associated with the OTP characterized in that it further comprises. The method of claim 1, Checking whether the OTP device information and the OTP generation information stored in the storage medium are deleted (or inactivated) in association with the account information; When the deletion (or inactivation) of the OTP device information and the OTP generation information is confirmed, the insurance medium previously paid is checked on the storage medium based on the date when the OTP device information and the OTP generation information are deleted (or inactivated). Calculating an insurance settlement amount to be refunded to the customer among the insurance claims paid; The customer information is extracted from the ledger of the financial company that stores customer information about the customer through the account information, insurance policy information of the insurance information stored in the storage medium, the extracted customer personal information and the calculation Comprising the insurance cancellation application information including the insurance payment settlement amount, and transmitting to the insurance company server; Insurance product automatic subscription processing method associated with the OTP characterized in that it further comprises. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. When the account information, OTP device information, and OTP generation information of a customer who processes a financial transaction using OTP are stored in association with a storage medium, insurance for a financial accident occurring during a financial transaction using the OTP to a terminal used by the customer Means for providing an insured consent interface requesting to enroll in; When the insurance agreement is confirmed through the insurance agreement consent interface, the customer personal information necessary for the insurance is extracted from the director of the financial company that stores customer information about the customer through the account information, and the customer personal information and Means for constructing insurance application information, including OTP device information and OTP generation information, and transmitting it to an insurance company server; When the insurance is approved through the insurance company server, insurance information including one or more of insurance policy information, insurance payment information, compensation payment financial accident information, compensation compensation calculation information for each financial accident according to the insurance to the storage medium; Means for storing in association with the account information; Means for checking a financial transaction history using the OTP among financial transaction records recorded in the financial institution ledger, and reading the identified financial transaction history to determine whether a financial accident using the OTP occurs; When the financial accident using the OTP is confirmed, the OTP-based financial accident information including one or more of account information, financial accident amount, OTP device information, and OTP generation information corresponding to the financial accident using the OTP is configured to the insurance company server. Means for transmitting a claim for payment of compensation; insurance product automatic subscription processing system associated with the OTP comprising a.

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