KR20110136636A - Apparatus and method of managing transfers between bank accounts - Google Patents
Apparatus and method of managing transfers between bank accounts Download PDFInfo
- Publication number
- KR20110136636A KR20110136636A KR1020100056765A KR20100056765A KR20110136636A KR 20110136636 A KR20110136636 A KR 20110136636A KR 1020100056765 A KR1020100056765 A KR 1020100056765A KR 20100056765 A KR20100056765 A KR 20100056765A KR 20110136636 A KR20110136636 A KR 20110136636A
- Authority
- KR
- South Korea
- Prior art keywords
- account
- transfer
- deposit
- information
- transfer information
- Prior art date
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Classifications
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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
- 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
- H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
- H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
- H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
- H04N21/47—End-user applications
- H04N21/472—End-user interface for requesting content, additional data or services; End-user interface for interacting with content, e.g. for content reservation or setting reminders, for requesting event notification, for manipulating displayed content
- H04N21/47214—End-user interface for requesting content, additional data or services; End-user interface for interacting with content, e.g. for content reservation or setting reminders, for requesting event notification, for manipulating displayed content for content reservation or setting reminders; for requesting event notification, e.g. of sport results or stock market
Abstract
Description
The present invention relates to a transfer management apparatus and a management method for a bank account, and more particularly, to prevent electronic banking incidents in advance by transmitting a warning message to the account holder when the transfer is performed to a deposit account that has not been applied in advance. It relates to a transfer management device and a management method for a bank account.
Recently, as bank transactions through electronic banking such as internet banking and telebanking have increased, customer damages have been spreading due to hacking and the like due to customer information leakage and data forgery. Currently, SMS is sent to the account owner's mobile phone for the bank's deposit and withdrawal transactions. However, this service is provided for a fee only to applicants. There is a danger.
In order to reduce electronic banking accidents, it is necessary to apply and register information on the deposit account in advance, and to send a short message (SMS) regardless of whether or not to apply for SMS when funds are transferred to an unregistered deposit account. The need to do that is growing.
The problem to be solved by the present invention is a transfer management apparatus and management method for a bank account to prevent electronic banking accidents in advance by sending a warning message to the account holder when the transfer is performed to the deposit account not applied in advance To provide.
In order to solve the above problems, the transfer management apparatus for a bank account according to the present invention, the transfer application receiving unit for receiving the account transfer information including information on the withdrawal account number, the deposit account number, and the transfer amount; A deposit allowance account database that stores information on deposit allowance accounts for which an amount of money withdrawn from an account can be deposited; A comparison unit which searches the deposit allowance account database based on the account transfer information and checks whether the deposit account number included in the account transfer information is the deposit allowance account; A transfer performing unit for performing an account transfer according to the account transfer information when the deposit account number included in the account transfer information is a deposit allowance account; And when the account transfer according to the bank transfer information transfer the account transfer result to the mobile phone of the account holder according to the withdrawal account number included in the account transfer information, the deposit account number included in the account transfer information is the deposit If it is not an acceptable account, characterized in that it comprises a notification unit for transmitting a warning message that the transfer amount will be sent to an account other than the deposit allowable account to the account holder's mobile phone according to the withdrawal account number included in the account transfer information. .
Preferably, the device, the account according to the account transfer information from the cell phone of the account holder according to the withdrawal account number included in the account transfer information when the deposit account number included in the account transfer information is not the deposit allowance account; Receiving the payment stop request to stop the transfer, and according to the payment stop application may further include a transfer confirmation unit including a payment stop to prevent the transfer of the account according to the account transfer information.
Preferably, the transfer confirmation unit, according to the account transfer information from the cell phone of the account holder according to the withdrawal account number included in the account transfer information when the deposit account number included in the bank transfer information is not the deposit allowance account; Receiving a transfer confirmation request to perform a wire transfer, and according to the transfer confirmation request may further include a payment confirmation unit for transmitting a payment confirmation request to perform the transfer according to the account transfer information to the transfer performing unit.
Preferably, the transfer confirmation unit may further include an account adding unit for receiving the request for adding an account for the deposit allowable account and adding information on the deposit allowable account according to the request for adding the account.
In order to solve the above problems, a transfer management method for a bank account according to the present invention includes: (a) receiving account transfer information including information on a withdrawal account number, a deposit account number, and a transfer amount; (b) searching for a deposit allowance account database that stores information on deposit allowance accounts for which the amount of money withdrawn from the account can be deposited based on the account transfer information, and searches for a deposit account included in the account transfer information; Confirming whether a number is the deposit allowable account; (c) performing an account transfer according to the account transfer information when the deposit account number included in the account transfer information is a deposit allowance account; (d) transmitting the result of the account transfer to the account holder's mobile phone according to the withdrawal account number included in the account transfer information when the account transfer is performed according to the account transfer information; And (e) if the deposit account number included in the account transfer information is not the deposit allowance account, the transfer amount to an account other than the deposit allowance account with the account holder's mobile phone according to the withdrawal account number included in the account transfer information. Sending a warning message that it will be sent.
On the other hand, in order to achieve the above object, the present invention provides a computer readable recording medium having recorded thereon a program for realizing the above method.
According to the present invention, it is possible to prevent electronic banking accidents in advance by preventing money from being transferred from an account holder to an account other than a previously applied deposit account, and to prevent counterfeiting accidents caused by hacking and the like when using electronic banking services, and to protect customer financial assets. Secure electronic financial transactions can be established.
1 is a block diagram showing a transfer management device for a bank account according to the present invention.
2 is a block diagram showing the
3 is a view explaining a deposit allowable account database.
4 is a flowchart illustrating a method for managing a transfer for a bank account according to the present invention.
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.
1 is a block diagram showing a transfer management device for a bank account according to the present invention.
The transfer management apparatus for a bank account according to the present invention is a device for preventing electronic banking accidents in advance by preventing money from being transferred from an account holder to an account other than a previously applied deposit account, and a transfer
The
The transfer
The deposit
3 is a view explaining a deposit allowable account database.
Referring to FIG. 3, the deposit allowance account database stores the account holder's
The account holder's
Returning to Figure 1 will be described.
The
If the deposit account number included in the received bank transfer information is included in the deposit allowable account list, the
After the transfer is performed by the
On the other hand, when the deposit account number included in the account transfer information is not a deposit allowance account, the
The
2 is a block diagram showing a
The
To this end, the
The
Hereinafter, the transfer management method for the bank account according to the present invention. Since the transfer management method for the bank account according to the present invention performs essentially the same function as the transfer management apparatus for the bank account, redundant description will be omitted.
4 is a flowchart illustrating a method for managing a transfer for a bank account according to the present invention.
First, the
The
If the deposit account number included in the account transfer information is a deposit allowance account, the
On the other hand, when the deposit account number included in the account transfer information is not the deposit allowance account, the
Then, when the
When the
On the other hand, although not shown in Figure 4, the transfer management method for a bank account according to the present invention receives an application for the addition account for the deposit allowable account, and the information on the deposit allowance account according to the account addition request deposit account database It may further comprise the step of adding to. These steps may be performed independently or may be included in any one of the above steps.
The method of the present invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like, and may be implemented in the form of a carrier wave (for example, transmission via the Internet) . The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.
While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the invention. Accordingly, the scope of protection of the present invention should be construed in accordance with the following claims, and all technical ideas within the scope of equivalents and equivalents thereof should be construed as being covered by the scope of the present invention.
Branch terminal (10), account holder PC (20)
Account holder mobile phone (30), transfer application reception unit (110)
Deposit Allowed Account DB (160)
Claims (9)
A deposit allowance account database that stores information on deposit allowance accounts for which an amount of money withdrawn from an account can be deposited;
A comparison unit which searches the deposit allowance account database based on the account transfer information and checks whether the deposit account number included in the account transfer information is the deposit allowance account;
A transfer performing unit for performing an account transfer according to the account transfer information when the deposit account number included in the account transfer information is a deposit allowance account;
When the bank transfer is performed according to the bank transfer information, the account transfer result is transmitted to the account holder's mobile phone according to the withdrawal account number included in the bank transfer information, and the deposit account number included in the bank transfer information allows the deposit. If it is not an account, the bank comprising a notification unit for transmitting a warning message that the transfer amount will be sent to an account other than the deposit allowance account to the account holder's mobile phone according to the withdrawal account number included in the account transfer information. Transfer management device for accounts.
If the deposit account number included in the account transfer information is not the deposit allowance account, the application for suspension of payment to stop the account transfer according to the account transfer information from the account holder's mobile phone according to the withdrawal account number included in the account transfer information; Receiving, and the transfer management device for a bank account, characterized in that it further comprises a transfer confirmation unit including a payment stop unit for preventing the transfer according to the account transfer information in accordance with the payment stop application.
If the deposit account number included in the bank transfer information is not the deposit allowance account, the transfer confirmation request to perform an account transfer according to the bank transfer information from the account holder's mobile phone according to the withdrawal account number included in the bank transfer information; And a payment confirmation unit for receiving and transmitting a payment confirmation request to the transfer performing unit to perform an account transfer according to the bank transfer information according to the transfer confirmation application.
Receiving a request for adding an account for the deposit allowable account, the transfer management device for a bank account further comprising an account adder for adding information on the deposit allowable account in accordance with the account add request.
(b) searching for a deposit allowance account database that stores information on deposit allowance accounts for which the amount of money withdrawn from the account can be deposited based on the account transfer information, and searches for a deposit account included in the account transfer information; Confirming whether a number is the deposit allowable account;
(c) performing an account transfer according to the account transfer information when the deposit account number included in the account transfer information is a deposit allowance account;
(d) transmitting the result of the account transfer to the account holder's mobile phone according to the withdrawal account number included in the account transfer information when the account transfer is performed according to the account transfer information;
(e) If the deposit account number included in the account transfer information is not the deposit allowance account, the transfer amount is transferred to an account other than the deposit allowance account with the account holder's mobile phone according to the withdrawal account number included in the account transfer information; And transmitting a warning message to be sent.
Receiving a payment stop request to stop the account transfer according to the account transfer information from the account holder's mobile phone according to the withdrawal account number included in the account transfer information, and in accordance with the payment stop application to transfer the account according to the transfer information The method further comprises the step of preventing the transfer management method for a bank account.
Receiving a transfer confirmation request to perform an account transfer according to the account transfer information from the account holder's mobile phone according to the withdrawal account number included in the account transfer information, and in accordance with the transfer confirmation application to transfer the account according to the account transfer information And transmitting a payment confirmation application to be performed to the transfer performing unit.
Receiving additional account information for the deposit allowed account, and updating the information on the deposit allowable account according to the additional account information further comprises the step of managing the transfer for the bank account.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020100056765A KR20110136636A (en) | 2010-06-15 | 2010-06-15 | Apparatus and method of managing transfers between bank accounts |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020100056765A KR20110136636A (en) | 2010-06-15 | 2010-06-15 | Apparatus and method of managing transfers between bank accounts |
Publications (1)
Publication Number | Publication Date |
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KR20110136636A true KR20110136636A (en) | 2011-12-21 |
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KR1020100056765A KR20110136636A (en) | 2010-06-15 | 2010-06-15 | Apparatus and method of managing transfers between bank accounts |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20180010467A (en) * | 2016-07-21 | 2018-01-31 | 주식회사 케이티 | Method for managing virtual currency and apparatus therefor |
-
2010
- 2010-06-15 KR KR1020100056765A patent/KR20110136636A/en not_active Application Discontinuation
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20180010467A (en) * | 2016-07-21 | 2018-01-31 | 주식회사 케이티 | Method for managing virtual currency and apparatus therefor |
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