KR20110131814A - Method and apparatus for mobile transfer service using smart phone, and computer readable medium thereof - Google Patents
Method and apparatus for mobile transfer service using smart phone, and computer readable medium thereof Download PDFInfo
- Publication number
- KR20110131814A KR20110131814A KR1020100051450A KR20100051450A KR20110131814A KR 20110131814 A KR20110131814 A KR 20110131814A KR 1020100051450 A KR1020100051450 A KR 1020100051450A KR 20100051450 A KR20100051450 A KR 20100051450A KR 20110131814 A KR20110131814 A KR 20110131814A
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- South Korea
- Prior art keywords
- smartphone
- transfer service
- user
- information
- mobile transfer
- Prior art date
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
- H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
Abstract
The present invention relates to a transfer service using a smartphone, comprising: receiving an execution command of a mobile transfer service through a smartphone; Detecting another smartphone located within communication coverage of the smartphone and the local area network and receiving an execution command of the mobile transfer service; Establishing a communication link between the smartphone and another smartphone; Transmitting or receiving bank information and account number information for a mobile transfer service between a first user using a smartphone and a second user using another smartphone via a communication link; And requesting a mobile transfer service between the first user and the second user to the bank server using the bank information and the account number information, thereby conveniently sending and receiving the bank information and the account number information between customers using the smartphone. This makes it easy to use a simple transfer service.
Description
The present invention relates to a transfer service method, a device and a recording medium using a smartphone, and more particularly, using a smartphone that enables a transfer transaction through simple operation between users in a short distance without using a complex banking transaction. A mobile transfer service method, apparatus, and a computer readable recording medium having recorded thereon a program for executing the method.
Recently, smart phones, which have been miniaturized and made portable, have become popular with the development of mobile communication and multimedia technologies. In order to transfer transactions in a conventional smartphone, the smartphone user manually records the other party's bank information and account number information on a paper or electronic memo, etc., and manually executes a conventional banking application and manually inputs the recorded information. There was a problem to be done. In addition, the existing banking applications have to repeatedly input all the passwords, certificates and OTP every time a transfer transaction, there was a problem that it takes a considerable time for the actual transfer transaction.
The technical problem to be solved by the present invention is a transfer service method, apparatus and a recording medium using a smart phone to enable easy transfer service by sending and receiving bank information and account number information between customers using a smart phone conveniently To provide.
In addition, the technical problem to be solved by the present invention, using a smart phone to be able to immediately transfer the corresponding amount to the other party only by entering a password or OTP without repeatedly entering various passwords, certificates and OTP every time a transfer transaction To provide a transfer service method, apparatus and recording medium.
In order to solve the above technical problem, a mobile transfer service method using a smart phone according to an embodiment of the present invention, receiving the execution command of the mobile transfer service through the smart phone; Detecting another smartphone located within communication coverage of the smartphone and a local area network and receiving an execution command of a mobile transfer service; Establishing a communication link between the smartphone and the another smartphone; Transmitting or receiving bank information and account number information for a mobile transfer service between a first user using the smartphone and a second user using the another smartphone via the communication link; And requesting a mobile transfer service between the first user and the second user to a bank server using the bank information and account number information.
The execution command may be input by a touch of a touch screen or an acceleration sensor embedded in the smart phone.
The detection of the another smartphone, current location information detected by the location sensors built into the smartphone and another smartphone, the time when the execution command is input to the smartphone and another smartphone Information may be detected based on posture information detected by posture sensors embedded in the smart phone and the another smart phone.
The method may further include registering the bank information and account number information input through the smart phone from the first user.
The method may further include receiving and registering the authentication password information and the transfer limit amount input from the first user through the smart phone.
The requesting the mobile transfer service to the bank server may include transmitting bank information, account number information, transfer request amount, login password, certificate password information, or OTP information.
In addition, in order to solve the above technical problem, the mobile transfer service device using a smart phone according to an embodiment of the present invention, an input control unit for receiving an execution command of the mobile transfer service through the smart phone; Detect another smartphone located within the communication coverage of the smartphone and the local area network and receiving an execution command of a mobile transfer service, establish a communication link between the smartphone and the another smartphone, and through the communication link, A short-range communication control unit for transmitting or receiving bank information and account number information for a mobile transfer service between a first user using a smartphone and a second user using the another smartphone; And a banking service control unit which requests a bank server for a mobile transfer service between the first user and the second user using the bank information and the account number information.
In addition, in order to solve the above technical problem, a computer-readable recording medium recorded with a program for executing a mobile transfer service method using a smart phone according to an embodiment of the present invention, the mobile through the smartphone Receiving an execution command of a transfer service; Detecting another smartphone located within communication coverage of the smartphone and a local area network and receiving an execution command of a mobile transfer service; Establishing a communication link between the smartphone and the another smartphone; Transmitting or receiving bank information and account number information for a mobile transfer service between a first user using the smartphone and a second user using the another smartphone via the communication link; And requesting a mobile transfer service between the first user and the second user to a bank server using the bank information and account number information.
According to an embodiment of the present invention, by establishing a communication link between the smart phone and another smart phone located within the communication coverage of the local area network and by sending and receiving bank information and account number information for the mobile transfer service through the communication link, There is an effect that can easily use the transfer service by sending and receiving bank information and account number information conveniently between customers using the phone.
In addition, according to an embodiment of the present invention, within the transfer limit amount set by the smart phone user, the transfer of funds to the other party is executed only by inputting a password (or OTP) and establishing a communication link between the two smart phones, so that each transfer transaction is performed. Various passwords, certificates, and OTPs can be easily transferred to the counterpart without the need for manual entry.
1 is a view showing a display screen of the smart phone running the mobile transfer service method using a smart phone according to an embodiment of the present invention.
Figure 2 is a block diagram showing a mobile transfer service device using a smart phone according to an embodiment of the present invention.
3 is a flowchart illustrating a mobile transfer service method using a smart phone according to an embodiment of the present invention.
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.
1 is a view showing a display screen of the smart phone running the mobile transfer service method using a smart phone according to an embodiment of the present invention.
Referring to FIG. 1, a user of the
The smartphone A 100 and the smartphone B 110 are located within a distance capable of wireless communication by a local area network (for example, Bluetooth or Wi-Fi). A user of the smartphone A 100 (hereinafter referred to as a first user) and a user of the smartphone B 110 (hereinafter referred to as a second user) perform a predetermined operation (for example, an operation in which two smartphones collide with each other). By performing the mobile transfer service method according to an embodiment of the present invention.
Smartphone A (100) and smartphone B (110), for example, the current position information (difference of the current position) detected by the position sensor built in each smart phone, the operation of the two smartphones collide with each other The time information (execute time difference inputted by the execution command) of the execution command of the same mobile transfer service or the attitude information detected by the attitude sensor built in each smartphone (for example, each smartphone Using a local angle (for example, Bluetooth or Wi-Fi) to control the comparison on each smartphone, or a bank server (not shown) connected via
In another embodiment, the smartphone A 100 and the smartphone B 110 may detect, for example, a smartphone manually selected by the user from among a plurality of smartphones detected by Bluetooth. You can also detect your smartphone.
When the mutual detection between the smartphone A 100 and the smartphone B 110 is completed, the smartphone B 110 transmits the bank information and the account number information of the second user to the smartphone A 100. Set. Here, the communication channel may be a local area network such as Bluetooth or Wi-Fi, or may be a wide area network through 3G or wireless AP.
After the communication channel is established, the
Figure 2 is a block diagram showing a mobile transfer service device using a smart phone according to an embodiment of the present invention.
2, a smartphone according to an embodiment of the present invention includes a controller 200, a
The
The
The short range
The banking
3 is a flowchart illustrating a mobile transfer service method using a smart phone according to an embodiment of the present invention.
Referring to FIG. 3, in
In
In
In
In
In addition, the mobile transfer service device using the smartphone receives and registers the login password, certificate password information, or transfer limit amount of the first user in advance through the smartphone, and in
Mobile transfer service method using a smart phone according to an embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. Computer-readable recording media include all kinds of storage devices that store data that can be read by a computer system. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like. The computer readable recording medium may also be distributed over a networked computer system and stored and executed as computer readable code in a distributed manner.
So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.
Claims (8)
Receiving an execution command of a mobile transfer service through the smart phone;
Detecting another smartphone located within communication coverage of the smartphone and a local area network and receiving an execution command of a mobile transfer service;
Establishing a communication link between the smartphone and the another smartphone;
Transmitting or receiving bank information and account number information for a mobile transfer service between a first user using the smartphone and a second user using the another smartphone via the communication link; And
Requesting a mobile transfer service between the first user and the second user to a bank server using the bank information and account number information.
The execution command is characterized in that the input by the operation of the touch of the touch screen or the acceleration sensor built in the smart phone.
The detection of the another smartphone, current location information detected by the location sensors built into the smartphone and another smartphone, the time when the execution command is input to the smartphone and another smartphone Information based on posture information detected by posture sensors embedded in the smart phone and the another smart phone.
And registering the bank information and account number information inputted through the smartphone from the first user.
And receiving and registering the authentication password information and the transfer limit amount inputted through the smartphone from the first user.
The requesting of the mobile transfer service to a bank server may include transmitting bank information, account number information, transfer request amount, login password, certificate password information, or OTP information.
An input controller configured to receive an execution command of a mobile transfer service through the smartphone;
Detect another smartphone located within the communication coverage of the smartphone and the local area network and receiving an execution command of a mobile transfer service, establish a communication link between the smartphone and the another smartphone, and through the communication link, A short-range communication control unit for transmitting or receiving bank information and account number information for a mobile transfer service between a first user using a smartphone and a second user using the another smartphone; And
And a banking service control unit which requests a bank server for a mobile transfer service between the first user and the second user using the bank information and account number information.
Receiving an execution command of a mobile transfer service through the smart phone;
Detecting another smartphone located within communication coverage of the smartphone and a local area network and receiving an execution command of a mobile transfer service;
Establishing a communication link between the smartphone and the another smartphone;
Transmitting or receiving bank information and account number information for a mobile transfer service between a first user using the smartphone and a second user using the another smartphone via the communication link; And
And requesting a mobile transfer service between the first user and the second user to a bank server using the bank information and the account number information.
Priority Applications (1)
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KR1020100051450A KR20110131814A (en) | 2010-05-31 | 2010-05-31 | Method and apparatus for mobile transfer service using smart phone, and computer readable medium thereof |
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KR1020100051450A KR20110131814A (en) | 2010-05-31 | 2010-05-31 | Method and apparatus for mobile transfer service using smart phone, and computer readable medium thereof |
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KR20110131814A true KR20110131814A (en) | 2011-12-07 |
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KR1020100051450A KR20110131814A (en) | 2010-05-31 | 2010-05-31 | Method and apparatus for mobile transfer service using smart phone, and computer readable medium thereof |
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Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20140125170A (en) * | 2013-04-18 | 2014-10-28 | 중소기업은행 | Apparatus for Joint Payment by Using Local Area Mobile Communication and Method thereof |
WO2015038550A1 (en) * | 2013-09-10 | 2015-03-19 | Simple Finance Technology Corp. | Transferring funds between financial accounts of two accountholders |
KR20180026419A (en) * | 2016-09-02 | 2018-03-12 | 주식회사 카카오페이 | Method for providing remittance sevice and user device and online money management server for performing the method |
-
2010
- 2010-05-31 KR KR1020100051450A patent/KR20110131814A/en not_active Application Discontinuation
Cited By (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20140125170A (en) * | 2013-04-18 | 2014-10-28 | 중소기업은행 | Apparatus for Joint Payment by Using Local Area Mobile Communication and Method thereof |
WO2015038550A1 (en) * | 2013-09-10 | 2015-03-19 | Simple Finance Technology Corp. | Transferring funds between financial accounts of two accountholders |
US9864976B2 (en) | 2013-09-10 | 2018-01-09 | Simple Finance Technology Corp. | Transferring funds between financial accounts of two accountholders |
US20180089646A1 (en) * | 2013-09-10 | 2018-03-29 | Simple Finance Technology Corp. | Transferring funds between financial accounts of two accountholders |
KR20180026419A (en) * | 2016-09-02 | 2018-03-12 | 주식회사 카카오페이 | Method for providing remittance sevice and user device and online money management server for performing the method |
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