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 PDF

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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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KR
South Korea
Prior art keywords
smartphone
information
transfer service
user
mobile transfer
Prior art date
Application number
KR1020100051450A
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Korean (ko)
Inventor
이승희
Original Assignee
중소기업은행
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Application filed by 중소기업은행 filed Critical 중소기업은행
Priority to KR1020100051450A priority Critical patent/KR20110131814A/en
Publication of KR20110131814A publication Critical patent/KR20110131814A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • G06Q20/38215Use of certificates or encrypted proofs of transaction rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network
    • H04L63/083Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network using passwords
    • H04L63/0838Network architectures or network communication protocols for network security for supporting authentication of entities communicating through a packet data network 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

Method and apparatus for mobile transfer service using smart phone, and computer readable medium

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 smartphone A 100 attempts to transfer a predetermined amount (eg, 10,000 won) to an account of a user of the smartphone B 110.

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 3G 120, or the like. By doing so, it is possible to detect the smartphone of the counterpart of the transfer service.

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 smartphone B 110 transmits the bank information and the account number information of the second user to the smartphone A 100 (115), and the smartphone A 100 displays the smartphone B on the display screen. The bank information and the account number information of the second user received from 110 are displayed (105). After the first user inputs an amount to be transferred to the account of the smartphone B 110, the first user requests a transfer of the input amount to a bank server (not shown). The bank server (not shown) executes the transfer of funds to the account of the second user according to the transfer request received from the smartphone A (100).

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 memory 230, a user interface 240, a communication interface 250, and various sensors 260. In addition, the mobile transfer service device according to an embodiment of the present invention includes an input control unit 205, a short-range communication control unit 210 and a banking service control unit 220.

The memory 230 is a module for storing various types of information received from the controller 200, the user interface 240, the communication interface 250, or various sensors 260, and the user interface 240 is provided by a smartphone user. A module for receiving an input of an or transmitting an output to a smartphone user (eg, a touch screen display module), and the communication interface 250 is a near field communication or a wide area communication between the smartphone and external devices (not shown). And various sensors 260 are modules for detecting various current states of the smartphone (e.g., an acceleration sensor for detecting the acceleration of the smartphone, a current position of the smartphone such as GPS). A position sensor for detecting a position, a gyro, a position sensor for detecting a position of a smartphone such as a compass, etc.). The controller 200 controls the overall operation of the smartphone and interfaces the controller 200, the memory 230, the user interface 240, the communication interface 250, and various sensors 260.

The input controller 205 receives an execution command of a mobile transfer service according to the present invention through a smartphone. The input controller 205 recognizes an execution command by a touch of a touch screen or an operation of an acceleration sensor built in the smartphone.

The short range communication control unit 210 is located within the communication coverage of the smart phone and the local area network, and also detected by the device detecting unit 212 and the device detecting unit 212 which detects another smartphone that has received the execution command of the mobile transfer service. A communication link setting unit 214 for establishing a communication link between the phone and another smartphone, and a first user who uses the smartphone through another communication link set in the communication link setting unit 214 and another smartphone And an information transmitter / receiver 216 for transmitting or receiving bank information and account number information for a mobile transfer service between second users.

The banking service control unit 220 generates a transfer request message for requesting a mobile transfer service between the first user and the second user by using the received bank information and account number information. Register the first user information (e.g., login password, certificate password information or transfer limit amount, etc.) required for the request or second user information (bank information and account number information) received from the outside, or Banking information management unit 224 to control to update or delete, and a communication control unit 226 for transmitting the transfer request message generated by the professional generation unit 222 to the bank server. Here, the banking information management unit 224 may control the first user to be previously input or received and registered by the first user before executing the money transfer according to the mobile transfer service. The communication control unit 226 may transmit a login password or certificate password information together with the transfer request message.

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 step 305, the mobile transfer service device using the smartphone receives an execution command of the mobile transfer service through the smartphone. Here, the execution command may be input by, for example, an operation of an acceleration sensor capable of detecting a touch of a touch screen embedded in the smartphone or a bump of the smartphone.

In operation 310, the mobile transfer service device using the smartphone is located within the communication coverage of the smartphone (smartphone A 100 of FIG. 1) and the local area network, and receives another smartphone (FIG. The smartphone B 110 of 1 is detected. The detection of another smartphone may include current location information detected by location sensors embedded in the smartphone and another smartphone, time information in which an execution command is input to the smartphone and another smartphone, or a smartphone. And posture information detected by posture sensors embedded in another smartphone.

In step 315, the mobile transfer service device using the smartphone establishes a communication link between the smartphone and another smartphone.

In operation 320, the mobile transfer service device using the smartphone may include the bank information for the mobile transfer service between the first user using the smartphone and the second user using another smartphone through the communication link established in step 315. Send and receive account number information.

In operation 325, the mobile transfer service apparatus using the smart phone requests the mobile transfer service between the first user and the second user to the bank server using the transmitted and received bank information and account number information. The smart phone (smartphone A (100) of FIG. 1) requesting a mobile transfer service to the bank server includes bank information and account number information, transfer request amount, login password, certificate password information, or the like received from the smart phone B 110. OTP information can be transmitted.

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 step 325, only the transfer request amount or OTP information. You can also request a mobile transfer service from your bank server immediately after input.

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)

  1. In the mobile transfer service method using a smartphone,
    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.
  2. The method of claim 1,
    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.
  3. The method of claim 2,
    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.
  4. The method of claim 1,
    And registering the bank information and account number information inputted through the smartphone from the first user.
  5. The method of claim 4, wherein
    And receiving and registering the authentication password information and the transfer limit amount inputted through the smartphone from the first user.
  6. The method of claim 1,
    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.
  7. In the mobile transfer service device using a smartphone,
    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.
  8. In a computer-readable recording medium having a program recorded thereon for executing a mobile transfer service method using a smartphone, the method comprises:
    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.
KR1020100051450A 2010-05-31 2010-05-31 Method and apparatus for mobile transfer service using smart phone, and computer readable medium thereof KR20110131814A (en)

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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 (2)

* Cited by examiner, † Cited by third party
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

Cited By (3)

* Cited by examiner, † Cited by third party
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

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