KR20110007940A - Remittance system and remittance method - Google Patents

Abstract

PURPOSE: A remittance system and a remittance method are provided to prevent the illegal use of remitter's name by making a remittance confirmation call to a remitter through an ARS before withdrawing money from a bankbook of the remitter. CONSTITUTION: A web server(10) inputs recipient information with information the amount of money for remittance, and provides a remittance service. When remittance event occurs, a remittance processor(22) of a main server(20) confirms the banking account of a recipient and judges whether or not the remittance is approved. An ARS server(30) calls a portable phone of a member, and is connected to a portable phone through a voice speech channel.

Description

Remittance system and remittance method for remittance without exposing bank account number and password on the internet

 The present invention relates to a remittance system and a remittance method, and more particularly to a system and a remittance method for remittance without exposing the bank account number and password to the Internet for account financial transactions.

The present invention comprises a web server, a main server, and an ARS server, and a registered member registering a bank account in association with a mobile phone number, since the remittance procedure is simple because the user logs in to the web server and enters only the recipient's name and mobile phone number. Before making a withdrawal, make a remittance confirmation call using ARS, enter the remittance password through a mobile phone, confirm the final identity, and remit the money, thus creating a safe financial transaction environment. The remittance password is encrypted and stored in the ARS server or the main server by receiving the remittance password on the voice channel without fear of hacking through the ARS server without going through the Internet or wired telephone communication network, and remitting it through the voice call channel. You can enter it only when the mobile phone of the member you want to connect is connected. Only that, as well, it is easily available all mobile phone users face due to your PC and your phone does not install the chip or financial programs.

In general, in order to transfer a certain amount of money to others, money is transferred from one's bank account to the other's bank account, which can be transferred in various forms such as telebanking, Internet banking, and the user using a bank clerk or an ATM at a bank. It is done.

However, since the transfer methods listed above are carried out in the state of knowing the other party's account number, the user's inconvenience is heavy, especially when hacking of the financial institution occurs, the user's personal information is transferred to the outside. Not only can it leak, there was a problem that can not be used for a certain period of time.

In order to solve such a problem, Korean Patent Registration No. 0885980 has been presented.

Remittance service system and method using the conventional phone number (1) perform the user authentication for the connected remitter, payment on behalf of the payment on the Internet (PG (Payment gateway), financial institutions, PG built in, etc.) An authentication step using the service on the Internet; (2) receiving a remittance request from the remitter along with remittance information including the remitter's name, telephone number, and remittance amount; (3) receiving a payment for the remittance amount from the remitter; (4) if there is no virtual account of the payee, opening a virtual account of the payee; (5) depositing the remittance amount into the virtual account of the payee; (6) notifying the remitter's telephone number of the transfer of money; (6) authenticating a user using the name and telephone number of the payee, for the connected payee; (7) Upon receiving approval for the remittance from the recipient, the system consists of a step of withdrawing money from the recipient's virtual account to the recipient's bank account, and the system can send money even if the other party's mobile phone number and name are known. The method is presented.

However, the remittance service system and method using the conventional phone number as described above is made so that the payment service such as PG, financial institution, etc. that the person who wants to remit the first time to log in and access the connection through the web server In other words, because the web server is exposed to hacking, it is difficult to simply determine the logged-in user as the user, and thus there is a problem in that a secure financial transaction cannot be completely guaranteed.

Regardless of whether the recipient agrees or not, once withdrawn from the sender's account and transferred to the virtual account, if the approval is not made after a certain period of time, a cumbersome settlement process is required to return the transfer amount back to the sender's account. It was difficult to know the balance of the account accurately at the time of remittance.

The present inventors have completed the present invention by developing a result of efforts to solve the above-mentioned disadvantages and problems of the prior art.

Therefore, the purpose of the present invention is a simple remittance procedure, and when the payee account is confirmed by the mobile phone number, before the withdrawal from the remitter's bank account, make a remittance confirmation call using the ARS to enter the password via the mobile phone After receiving the final identity verification and remittances are made, there is never a theft incident to provide a system and method of remittance to the Internet without exposing the account number and password of the bank account to create a safe financial transaction environment.

Another object of the present invention, even if the recipient is a non-member, remittance details including the remittance verification number and the non-member deposit service access method guide letter sent to the mobile number entered by the remitter, and the recipient later accesses the non-member deposit service to verify the remittance It provides a system and remittance method for remittance without exposing bank account number and password on the internet that enables secure financial transactions by comparing the account holder's name entered with the number and the recipient's name entered by the remitting member. will be.

Still another object of the present invention is to receive the remittance password on the voice channel without fear of hacking through the ARS server without going through the Internet or wired telephone network, encrypted and stored in the ARS server or the main server, remittance through the voice call channel It can be entered only when the member's mobile phone is connected, so there are no hacking or theft concerns (a mobile phone can be used as a personal portable password input device that can be approved only by someone who has a mobile phone and knows the password). It is to provide a system and method of remittance without remitting bank account number and password on the Internet.

Another object of the present invention is not only install the financial chip or program on the PC and mobile phone, but also easy to use for anyone who is a mobile phone, non-member deposit service that can be easily collected even if the recipient does not have a PC or mobile phone It is to provide a system and a method for remittance without creating a bank account number and password to the Internet that allows convenient and secure financial transactions by creating an access environment.

The objects of the present invention are not limited to the above-mentioned objects, and other objects that are not mentioned will be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, the present invention includes a function for setting a user ID and password for logging into the web server, inputting a name, social security number, bank account number, mobile phone number, etc. and applying for membership. A web server providing a remittance service for the member to input payee information including a payee name and a mobile phone number together with the remittance amount and apply for remittance; It is linked with the web server, and connected to a financial institution, such as one or more banks / securities companies that has a mother account of the remittance service through the web server, the mother account management unit for processing the account holder confirmation and account transfer, and a member DB Member registration to create a member account at the time of membership registration, check the account holders through the mother account management unit and register and manage the account as a payment account in connection with the mobile phone number, and when the remittance event occurs, remittance from the remittance service of the web server A main server comprising a remittance processing unit configured to receive a request, determine a remittee account and determine whether a remittance is approved, and transfer the remittance to a remittee account via a mother account from a member's account remitted through the mother account management unit; An ARS server interworking with the web server and the main server, or the main server and calling the member's mobile phone to connect with the mobile phone through a voice call channel; The ARS server consists of calling a member's mobile phone through the ARS server after signing up for a web server, requesting registration of a remittance password separate from the user's equipment password and web server login password. Drive to receive input on the voice call channel without fear of hacking, and the registered remittance password is transmitted to the Internet without a bank account number and password, characterized in that the encrypted and stored in the main server or ARS server to provide.

In a preferred embodiment, the remittance processing unit of the main server, when the payee account is confirmed, calling the remitter's mobile phone through the ARS server, and the remitter's name and the remittance amount by voice to the remitter and at the same time enter the remittance password After receiving the request, the user inputs the remittance password on the voice call channel through the mobile phone, and confirms the remitter's identity and approves the remittance.

In a preferred embodiment, the remittance processing unit of the main server, when the remitting member connects to the web server and logs in, and inputs the remittee information including the name of the payee and the mobile phone number to the remittance service together with the remittance, The information is made by searching the member DB through the member management unit of the main server to determine whether the payee is a member / non-member.

In a preferred embodiment, the remittance processing unit of the main server, when the recipient is a non-member as a result of retrieving the payee information through the member management unit, including the remittance authentication number of the member, the mobile phone number, the remittance amount including the remittance authentication number The remittance details consisting of the name of the remittee, the remittance statement and the method of receiving the remittance can be sent to the addressee.

In a preferred embodiment, the web server, the recipient receiving the remittance history notification letter sent when the recipient is a non-member, input the account number and the name of the financial institution to be deposited with the remittance verification number included in the remittance history When the deposit application for the transfer amount is included, a non-member deposit service for requesting a deposit to the transfer processing unit of the main server is included.

In a preferred embodiment, the remittance processing unit of the main server is connected to an ATM device including a function of requesting a remittance request to the remittance processing unit of the main server, and receives the remittance report message sent when the recipient is a non-member. The payee enters the account number to be deposited and the name of the financial institution together with the remittance verification number included in the remittance details, so that the depositor can apply for the deposit to the ATM.

In a preferred embodiment, the remittance processing unit of the main server, when a remittance event for a non-member recipient occurs, and receives a remittance request from the non-member remittance service or the ATM of the web server, remittance through the input remittance authentication number inquiry Check the remittance details consisting of the member's name, mobile phone number, remittance amount, and recipient's name.If the recipient's account is confirmed by the recipient's account number and the name of the financial institution, call the remitter's mobile phone through the ARS server. The name and the amount of money sent to the sender by voice and at the same time requesting the remittance password, and received the remittance password on the voice call channel through the mobile phone, after confirming the identity of the sender, and remittance through the mother account management unit of the main server Transfer the funds from the member's account to the account to be deposited by the recipient Transfer

In a preferred embodiment, the remittance processing unit of the main server, when receiving a deposit request from the non-member payment service or ATM machine of the web server, the payee name and the account number and the financial institution name entered by the remitter verification number inquiry, The deposit account inquiry is performed through the mother account management unit of the main server, so that the remittance amount is transferred only when the payee name and the account holder match.

In a preferred embodiment, the remittance processing unit of the main server, when the payee confirmed by the member management unit is a member, confirms the payee account by the account number and the name of the financial institution registered by the payee, and calls the sender's mobile phone through the ARS server. In addition, the recipient's name and remittance amount are voiced to the remitter, and the remittance password is requested. The remittance password is received on the voice call channel through the mobile phone, and the remitter's identity is confirmed. Transfer the funds from the member's account to the recipient's registered account via the mother account.

In a preferred embodiment, the remittance processing unit of the main server operates to transmit a text indicating that the remittance is completed to the recipient / remitter's mobile phone after the remittance is completed.

In addition, the present invention provides a method for a web server member to send money to a non-member by using a system for remitting the account number and password of the bank account to the Internet of any one of claims 1 to 10, (A) the user In connection with bank account and mobile phone number, register payment account in web server's remittance service and register as a member, and there is fear of hacking by calling member's mobile phone by using ARS server for separate remittance password, not passcode password. Registering on an absent voice call channel; (B) after the member accesses the web server and logs in, inputting the recipient's name and mobile phone number together with the amount of money to the remittance service and applying for remittance; (C) receiving the remittance request from the remittance service, the remittance processing unit of the main server confirms whether the recipient is a member through the member management unit of the main server with the remittee information; (D) In step (C), if the payee is a non-member, the remittance processing unit of the main server remits the remittance authentication number, the remitter's name, the remitter's mobile phone number, the remitter's name and the remitter's name to the recipient's mobile phone. Transmitting a text to the payee's mobile phone that details and instructions on how the payee can receive the deposit; (E) the account number, the name of the financial institution, the remittance authentication number to be received by the payee is entered into a non-member deposit service by accessing a web server, or inputting an deposit to an ATM connected to a remittance processing unit of the main server; (G) confirming the remittance details of the name of the member remitting to the remittance verification number, the mobile phone number of the remitting member, the remittance amount, and the recipient's name in the remittance processing unit of the main server; (H) the remittance processing unit calls the mobile phone of the remitting member through an ARS server to voice the name of the payee and the remittance amount and requests a remittance password input to the mobile phone; (I) If the remittance password inputted through the mobile phone of the member remitting in step (H) matches the remittance password registered by the remitting member, the remittance account of the member remitting through the mother account management unit of the main server goes through the mother account It provides a remittance method using the system for remittance without exposing the account number and password of the passbook on the Internet, including the step of transferring the remittance to the account entered by the recipient in the non-member deposit service.

In addition, the present invention provides a method for a web server member to send money to a member by using a system for remitting the account number and password of a bank account to the Internet of any one of claims 1 to 10, wherein the user (A1) Register the bank account and the mobile phone number on the server as a payment account in the remittance service of the web server to register as a member, and call the member's mobile phone using the ARS server with a remittance password that is separate from the password for the web server and the web server login. Registering on a voice call channel without fear of hacking; (B1) after the member accesses the web server and logs in, inputting the payee information including the name of the payee and the mobile phone number to the remittance service together with the remittance amount and applying for remittance; (C1) checking whether the payee is a member / non-member of the web server through a member management unit of the main server; (H1) if the payee is a member in step (C1), the remittance processing unit of the member who sends the money through the ARS server; Receiving the name and remittance of the recipient by voice by calling the mobile phone, and requesting the remittance password input to the mobile phone; (I1) Remittance password received through the mobile phone of the member remitting in step (H1) If the remittance member matches the remittance password registered by the remitter, the remitter transfers the remittance to the registered account of the remittee to the non-member deposit service through the mother account in the payment account of the member remitting through the mother account management unit of the main server; Provides a remittance method using a system for remittance without revealing the account number and password of the bank account to the Internet with the characteristics.

In a preferred embodiment, the step (I, I1) further comprises the step (J, J1) of transmitting a text indicating that the transfer is completed to the recipient's mobile phone from the remittance processing unit of the main server after the transfer is completed.

The present invention has the following excellent effects.

That is, according to the present invention, since the registered member who registers the bankbook in association with the mobile phone number enters only the name and mobile number of the payee by logging into the web server at the time of remittance, the remittance procedure is simple, and the payee account is If it is confirmed, before withdrawing from the remitter's bank account, make sure to send the member the remittance confirmation call using ARS, enter the password through the mobile phone and confirm the final identity after the remittance is made. Create a trading environment.

In addition, if the payee is a non-member, send the remittance details including the remittance verification number and the instructions for accessing the non-member deposit service to the mobile phone number entered by the remitter, and the payee subsequently accesses the non-member deposit service and sends the remittance code together with the remittance verification number. It is possible to create a safe financial transaction environment by checking the payee account by comparing the name of the payee entered by the account holder of the entered account number and the remitter member.

In addition, the remittance password is a mobile phone registered by the member using the ARS server after undergoing a strict self-authentication procedure to confirm whether the bank account registered as a payment account after verifying the real name, mobile phone number, and official certificate. In addition to calling the phone, and connected to the wireless voice call channel that is not hacked realistically, not the Internet or wired telephone communication network, it is received and encrypted and stored through the mobile phone. There is no fear of theft because you can call the mobile phone of the member who wants to transfer money through the ARS server and enter it only when the member receives and connects. (The mobile phone is used as a personal portable password input device. Concept that only people who know it can approve) I received a phone call does not occur two days are never withdrawn from your account before you enter your password.

In addition, since there are no financial chips or programs installed on PCs and mobile phones, it can be easily used by anyone who uses a mobile phone, and it is convenient to create a non-member deposit service access environment where recipients can easily collect money without having a PC or mobile phone. It is a useful invention that can carry out safe and secure financial transactions.

1 is a block diagram of a remittance system according to the present invention.
2 is a flow chart showing a membership registration process according to the present invention.
Figure 3 is a flow chart showing the remittance process when the payee is a non-member in accordance with the present invention.
4 is a flow chart showing the remittance process when the payee is a member according to the present invention.

The terms used in the present invention were selected as general terms as widely used as possible, but in some cases, the terms arbitrarily selected by the applicant are included. In this case, the meanings described or used in the detailed description of the present invention are considered, rather than simply the names of the terms. The meaning should be grasped.

Hereinafter, with reference to the accompanying drawings and preferred embodiments will be described in detail the technical configuration of the present invention.

However, the present invention is not limited to the embodiments described herein but may be embodied in other forms. Like reference numerals used to describe the present invention throughout the specification denote like elements.

As shown in FIG. 1, the present invention includes a web server 10, a main server 20, and an ARS server 30.

First, when the web server 10 applies for membership registration, a membership registration function for registering a bank account, a bank account, a securities company, etc. opened in a financial institution such as a mobile phone number as a payment account and a member's remittance password It includes registration / change application, member information change function such as mobile phone number, usage history inquiry function, remittance service that can send money even if the recipient's name and mobile phone number are known and recipient can receive money without signing up. It is configured to provide non-member deposit service.

On the other hand, the main server 20 is configured to interlock with the web server 10, having a member DB to manage the member account and the member management unit 21, and determines whether the transfer request or non-member transfer request event approval and processing Remittance processing unit 22, and one or more banks, securities companies, such as banks, securities companies, account holders and bank transfer services are connected to a dedicated line or through a VAN company to register an account number of the bank account for membership. And when the transfer is approved, it consists of a mother account management unit 23 to check the account holder of the account and to process the account transfer.

In addition, the ARS server 30 is linked only with the web server 10 and the main server 20, or the main server 20, the transfer of the password directly from the web server 10 or via the main server 20 at the time of membership registration Upon receiving the registration request, the member's mobile phone is called to request a password to confirm the remittance confirmation by voice guidance, and the remittance password, which is separate from the password for logging in to the web server and the password for the web server login, is encrypted via the mobile phone on the voice communication channel. When the remittance event occurs and receives a remittance confirmation request from the remittance processing unit 22 of the main server 20, call the mobile phone of the remitting member and request the remittance password input to enter the remittance password through the mobile phone It is configured to perform the receiving function.

Looking at the preferred embodiment of the remittance method using a system for remittance without exposing the account number and password of the bank account on the Internet of the present invention made as described above are as follows.

Example 1

Explain if the sender and recipient are nonmembers.

First, the user accesses the web server 10, sets an ID and password, and enters personal information such as an e-mail address, a mobile phone number, a bank account number, a financial institution name, an account holder's name, a social security number, an address, and the like. Check the real name and the verification process through the official certificate and whether or not duplicate membership to the member management unit 21 of the main server 20, and the account holder confirmation process to the financial institution through the parent account management unit 23 of the main server 20 After the bank account is registered as a payment account and registered as a member, the mobile phone of the member is called through the ARS server 30 to register a bank transfer password and a remittance password separate from the password of the web server 10. A stage)

Here, the password in the web server 10 is used as the data of the primary procedure for checking the identity of the member when logging in by accessing the web server 10 to use the money transfer service, at the time of payment It is not used to verify the identity of the remitter, and the registration of the remittance password is automatically performed when the ARS server 30 completes the registration of the web server 10 after the member registration is completed in the web server 10. When calling a member, or requesting a member using the remittance password registration key (not shown in the drawing) on the web server 10, the member is called to register the remittance confirmation password. It can be made as.

In addition, the remittance password is preferably stored in an encrypted form in the main server 20 or the ARS server 30.

Thereafter, among the members subscribed in step (A), the member who wants to transfer money accesses the web server 10 and logs in, and then inputs the money transfer amount, the recipient's name, and the recipient's mobile phone number in the transfer service. )

Then, the member manager 21 of the main server 20 determines whether the payee described by the member to be remitted is a member / non-member of the web server 10 (step C).

If it is determined in step (C) that the member is a non-member, the remittance details consisting of the member's name and mobile phone number, the remittance amount, the remittee's name, etc., remitted by the remittance processing unit 22 of the main server 20 to the remittee's remittance amount You will receive a remittance notification letter that tells you how to receive your payment. (Step D)

Here, the text sent in the step (D) can be transmitted in the form of a built-in callback URL so that a wireless Internet connection can be made as soon as the receiving person presses a confirmation button, and in particular, a non-member recipient can receive a remittance. The method may use an ATM that includes a function of connecting to a web server using a cellular phone or a personal computer or making a deposit request to the remittance processing unit 22 of the main server 20.

Then, the recipient confirming the remittance history notification letter is connected to the non-member transfer service of the web server 10, the remittance authentication number sent from the remittance processing unit 22 of the main server 20 and the account number to be deposited by the payee himself, Enter the organization name (step E).

In addition, it is possible to check the name and mobile phone number of the member to be sent through the remittance authentication number entered by the recipient in step (E).

Then, the remittance processing unit 22 of the main server 20 may request a remittance confirmation call to the ARS server 30, and the ARS server 30 can receive a remittance password by calling the mobile phone of the member to be remitted. . (Step H)

Here, before receiving the remittance password in step (H), the ARS server 30 sends out a voice message to confirm the name and amount of the remittee to the remittee member and then inputs the remittance password by the remittance member. At the same time, you can enter the remittance password through the mobile phone on the voice call channel only when the call is made to the mobile phone of the member who wants to remit the payment and secure the safety of financial transactions due to hacking. A mobile phone may be a mobile phone that can receive calls without using a separate financial chip (eg, SIM chip) or a separate program.

Meanwhile, as described above, the ARS server 30 compares the remittance password registered through the ARS server 30 and the remittance password inputted by the member to be remitted in the step (H) when the membership is registered in step (A) and compares them. do.

In addition, the remittance processing unit 22 of the main server 20 is the mother account of the main server 20 when the member to be remitted as described above matches the remittance password registered with the remittance password entered through the ARS server 30 The transfer is completed by transferring the amount of remittance from the account of the member to be remitted through the management unit 23 to the account entered by the payee through the mother account. (Step I)

Here, the payee's account number and the name of the financial institution entered in step (E) are checked by the mother account management unit 23 of the main server 20 linked with the financial institution, and the name and the recipient of the payee entered by the member to be remitted It is also possible to determine whether the account holders of the directly entered accounts match, so that only the same person can proceed to step (G).

In other words, it is possible to prevent financial fraud by allowing the member who wants to transfer money only to the recipient's bank account.

In addition, after the step (I) may further include a step (step J) of notifying the recipient of the text indicating that the transfer is completed.

As described above, in the present invention, the convenience of the member who wants to send money can be further increased to achieve the convenience of the money transfer service. In particular, the matters inputted to the web server 10 which are always threatened from the risk of hacking are very basic. Since the important data is not leaked out, stable financial transactions can be achieved.

Example 2

Explain if the remitter and recipient are members.

First, since the steps A1, B1, and C1 corresponding to the steps A, B, and C described in Embodiment 1 are the same, detailed description thereof will be omitted.

However, in step (C1), if the payee is a member, the remittance processing unit 22 of the main server 20 transmits a signal to the ARS server 30 to make a phone call to the mobile phone of the member who wants to transfer the money. You will be informed of the name and remittance amount by voice and allow you to enter the remittance password. (H1)

Then, the remittance processing unit 22 of the main server 20, inquiring the remittance password entered by the member to be remitted in step (H1), and requests the mother account management unit 23, the payment account of the member to be remitted The transfer is completed by transferring the remittance to the payment account of the recipient via the mother account. (Step I1)

In addition, after the step (I1) may further include a step of notifying the recipient of the text indicating that the transfer is completed (step J1).

In the second embodiment, since the account number and password are not exposed to the outside without going through the complicated verification procedure as in the first embodiment as a method of transferring money between members, even if the web server 10 is hacked, Will be achieved.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of limitation, Various changes and modifications will be possible.

Description of the symbols for the main parts of the drawings is as follows.
10: web server 20: main server
21: member management department 22: remittance processing unit
23: mother account management unit 30: ARS server
50: Remittance system without exposing bank account number and password

Claims (12)

User can set ID and password for web server login, enter name, social security number, bank account number, mobile phone number, etc., and apply for membership, and the member consists of payee name and mobile phone number. A web server for providing a remittance service for inputting information with a remittance amount and applying for remittance;
It is linked with the web server, and connected to a financial institution, such as one or more banks / securities companies that has a mother account of the remittance service through the web server, the mother account management unit for processing the account holder confirmation and account transfer, and a member DB Member registration to create a member account at the time of membership registration, check the account holders through the mother account management unit and register and manage the account as a payment account in connection with the mobile phone number, and when the remittance event occurs, remittance from the remittance service of the web server A main server comprising a remittance processing unit configured to receive a request, determine a remittee account and determine whether a remittance is approved, and transfer the remittance to a remittee account via a mother account from a member's account remitted through the mother account management unit;
An ARS server interworking with the web server and the main server, or the main server and calling the member's mobile phone to connect with the mobile phone through a voice call channel; It consists of
The ARS server calls a member's mobile phone through the ARS server after joining the web server, and requests a member to register a remittance password separate from the user's equipment password and web server login password. The system is configured to drive input on a voice call channel without concern, and the registered remittance password is encrypted and stored in a main server or an ARS server.
The method of claim 1,
The remittance processing unit of the main server, when the remittee account is confirmed, calls the remitter's mobile phone through the ARS server, voices the remittee name and remittance amount to the remitter and requests the remittance password and the mobile phone. Receiving a remittance password on the voice call channel through the system, after confirming the remitter's identity, the remittance approval system for remittance without exposing the account number and password of the bank account on the Internet.
The method of claim 1,
The remittance processing unit of the main server connects the remittance member to the web server, logs in, and inputs the remittee information including the name of the payee and the mobile phone number to the remittance service together with the remittance amount. The system for remittance without exposing the account number and password of the passbook to the Internet, characterized in that it is made to determine whether the recipient is a member / non-member by looking up the member DB through the management unit.

The method of claim 3, wherein
The remittance processing unit of the main server, when a recipient is a non-member, as a result of retrieving payee information through the member management unit, includes a remittance member's name including a remittance verification number, a mobile phone number, a remittance amount, a payee's name, etc. A system for remittance without exposing the bank account number and password to the Internet, characterized in that the remittance statement and a remittance notice letter is sent to the addressee to guide the recipient how to receive the remittance.
The method of claim 4, wherein
The web server, when the recipient receives the remittance notification letter sent when the recipient is a non-member, inputs the account number and financial institution name to be deposited together with the remittance verification number included in the remittance details and requests for the deposit. If you do, the system for transmitting money without exposing the account number and password of the passbook on the Internet, characterized in that it comprises a non-member payment service that makes a deposit request to the remittance processing unit of the main server.
The method of claim 4, wherein
The remittance processing unit of the main server is connected to an ATM device including a function of requesting a remittance request to the remittance processing unit of the main server, and the payee who receives the remittance statement notification letter sent when the payee is a non-member, receives the deposit account. Remittance system without a bank account number and password exposed to the Internet, characterized in that by entering the number and the name of the financial institution with the remittance verification number included in the remittance history ATM can be applied for the transfer.
The method of claim 6,
The remittance processing unit of the main server generates a remittance event for a non-member recipient and receives a remittance request from the non-member remittance service or the ATM of the web server. Check the remittance details consisting of the phone number, remittance amount, and payee name.If the payee account is confirmed with the account number and the name of the financial institution entered by the payee, call the sender's mobile phone through the ARS server, and send the payee name and remittance to the remitter. At the same time as voice prompts to enter the remittance password, through the mobile phone to receive the remittance password on the voice call channel, check the identity of the remitter, and then transfer the mother account from the account of the member to the remittance through the mother account management unit of the main server After the transfer of the remittance to the account to receive the deposit input by the recipient Is a system for remittance without exposing bank account number and password on the Internet.
The method of claim 7, wherein
When the transfer processing unit of the main server receives a deposit request from a non-member transfer service or an ATM of the web server, the main account management unit of the main server is provided with the payee name and the account number and the financial institution name entered by the remittance verification number inquiry. The system for remittance without depositing the account number and password of the bank account, characterized in that the remittance inquiry is carried out, and the remittance amount is only transferred when the name of the payee and the account holder match.
The method of claim 3,
The remittance processing unit of the main server, when the payee confirmed through the member management unit is a member, confirms the payee account by the account number and the name of the financial institution registered by the payee, calls the payee's mobile phone through the ARS server, and confirms the payee's name and remittance amount. Inform the sender by voice and request a remittance password, receive the remittance password on the voice call channel through the mobile phone, confirm the remitter's identity, and transfer the account through the mother account management unit of the main server. The system for remittance without exposing the account number and password of the passbook on the Internet, characterized in that the transfer of the remittance to the registered account of the recipient via the mother account.
The method of claim 1,
The remittance processing unit of the main server, the remittance / transfer system without the account number and password of the bank account on the Internet, characterized in that it operates to transmit a text indicating that the transfer is completed to the recipient's mobile phone.
In the method of sending a web server member to a non-member by using a system for remitting the account number and password of the account to the Internet of any one of claims 1 to 10,
(A) The user registers a payment account in the web server's remittance service by linking the bank account and the mobile phone number to the web server and registers as a member. Calling and registering on a voice call channel without fear of hacking;
(B) after the member accesses the web server and logs in, inputting the recipient's name and mobile phone number together with the amount of money to the remittance service and applying for remittance;
(C) receiving the remittance request from the remittance service, the remittance processing unit of the main server confirms whether the recipient is a member through the member management unit of the main server with the remittee information;
(D) In step (C), if the payee is a non-member, the remittance processing unit of the main server remits the remittance authentication number, the remitter's name, the remitter's mobile phone number, the remitter's name and the remitter's name to the recipient's mobile phone. Transmitting a text to the payee's mobile phone that details and instructions on how the payee can receive the deposit;
(E) the account number, the name of the financial institution, the remittance authentication number to be received by the payee is entered into a non-member deposit service by accessing a web server, or inputting an deposit to an ATM connected to a remittance processing unit of the main server;
(G) confirming the remittance details of the name of the member remitting to the remittance verification number, the mobile phone number of the remitting member, the remittance amount, and the recipient's name in the remittance processing unit of the main server;
(H) the remittance processing unit calls the mobile phone of the remitting member through an ARS server to voice the name of the payee and the remittance amount and requests a remittance password input to the mobile phone;
(I) If the remittance password inputted through the mobile phone of the member remitting in step (H) matches the remittance password registered by the remitting member, the remittance account of the member remitting through the mother account management unit of the main server goes through the mother account Remitter transfers the transfer amount to the account entered in the non-member transfer service; Remittance method using the system for remittance without exposing the account number and password of the bank account on the Internet.
Claims 1 to 10, wherein a web server member sends money to a member using a system for remitting the account number and password of a bank account to the Internet without any disclosure.
(A1) A user registers as a member by linking a bank account and a mobile phone number to a web server as a payment account in the web server's remittance service, and registers the ARS server with a remittance password that is separate from the password for login and web server login. Calling a member's mobile phone to register on the voice call channel without fear of hacking;
(B1) after the member accesses the web server and logs in, inputting the payee information including the name of the payee and the mobile phone number to the remittance service together with the remittance amount and applying for remittance;
(C1) checking whether the payee is a web server member / non-member through the member management unit of the main server;
(H1) If the payee is a member in step (C1), the remittance processing unit calls the mobile phone of the remitting member through an ARS server to voicely inform the name and amount of the remittee of the payee and sends the remittance password to the mobile phone. Requesting input;
(I1) If the remittance password received through the mobile phone of the member remitting in step (H1) matches the remittance password registered by the remitting member, the remittance account is transferred from the payment account of the member through the mother account management unit of the main server. The remittee transfers the remittance to the registered account of the remittee to the non-member deposit service; a remittance method using the system for remittance without exposing the account number and password of the bank account to the Internet, characterized in that consisting of.

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