KR20120040975A - Method of providing finance service using smartphone and apparatus thererof - Google Patents

Abstract

PURPOSE: A financial service providing method using a smart phone and apparatus thereof are provided to enable a user to rapidly user a money transfer service by using a telephone number of an addressee. CONSTITUTION: A communication unit(206) communicates with a subscriber through a smart phone. A transfer money request is received from a transfer money request member through the communication unit. A financial service processing unit(204) requests addressee authentication addressee to a communication company based on the telephone number of the addressee including the money transfer request. The financial service providing unit transfers the transfer money to a charge account of the addressee.

Description

Method of providing financial service using smartphone and its device {Method of providing finance service using smartphone and apparatus thererof}

The present invention relates to a method and apparatus for receiving various financial services using a smart phone.

Conventional financial services are available through the bank's branches, ATMs, or Internet banking. In addition, in case of remittance, there is a problem that the remitter needs to know the account number of the remittee and a problem of incorrectly inputting the remitter account number.

Technical problem to be solved by the present invention is to provide a financial service through a smart phone, even if you do not know the recipient's account number to provide a financial service providing method and apparatus using a smart phone that can be remitted only by the recipient's phone number There is.

In order to solve the above technical problem, an example of the financial service providing method using a smart phone according to the present invention, in the financial service method of the mobile payment device connected to the smartphone and the carrier server, through the sender's smartphone Receiving a transfer request including a recipient's phone number and the transfer amount; Requesting an addressee authentication to a corresponding telecommunication company server of the phone number based on the addressee's phone number included in the remittance request; And when the authentication is successful, transferring the remittance amount from the remitter's recharge account to the remittee's recharge account.

In order to solve the above technical problem, an example of the mobile payment settlement apparatus according to the present invention, the virtual payment accounts that are given to each member at the time of membership registration, charged through a transfer from the real account; And a communication unit for performing communication with the smartphone of the subscribed member; And receiving a remittance request including a remittee's telephone number and a remittance amount from the remittance request member through the communication unit, requesting the recipient's authentication to the corresponding telecommunication company of the telephone number based on the remittee's telephone number included in the remittance request, and the authentication is successful. And a financial service processing unit for transferring the remittance amount from the recharging account of the remittance request member to the recharging account of the payee.

According to the present invention, the smart phone user can use the financial service anytime and anywhere freely, and in particular, even if the recipient's account number is not known, the money transfer service can be used easily and quickly by using the payee phone number stored in the address book of the smart phone. Therefore, it is possible to appropriately meet the needs of small amount of money transfer such as hardship and Dutch pay.

In addition, it is possible to secure a basis for entry into the mobile micro-transmission and payment market through a simple remittance method, and can expect to commercialize revenue by expanding individual customers using mobile communication services and expanding various partnerships or P2P-based services.

1 is a view showing an example of a transfer method of the financial service method using a smart phone according to the present invention, and
Figure 2 is a diagram showing an example of the configuration of a mobile payment device for financial services using a smart phone according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail a method and apparatus for providing a financial service using a smart phone according to the present invention.

1 is a view showing an example of a transfer method of the financial service method using a smart phone according to the present invention.

Referring to FIG. 1, the mobile payment device 100 includes a remitter recharging account 102 and a remittee recharging account 104, a smartphone and a communication company server 130 of the remitter 110 and the remittee 110. It is connected through wired and wireless communication networks.

For the service according to the present invention, the smartphone user registers in advance and downloads an application for the corresponding service. The application is then run on a smartphone using the money transfer service described below.

First, the remitter 110 performs a login process to the mobile payment device 100 for the service according to the present invention. And when the remitter 110 wants to transfer a predetermined amount to the payee 120, the remitter 110 transmits the remittance request including the telephone number and the remittance amount of the payee 120 to the mobile payment device (S150) (S150). ). The remittee 110 may directly enter the telephone number of the payee 120, but if the corresponding payee information is entered in the address book of the smart phone, the payee information may be replaced by selecting and searching the payee information through the smart phone. can do.

 The mobile payment device 100 receives the remittance request from the smart phone of the remitter 110, and requests authentication of the payee to the corresponding communication company server 130 based on the payee phone number included therein (S160). The telecommunication company server 130 determines who is the subscriber of the phone number based on the phone number received from the mobile payment device, performs authentication, and transmits the result to the mobile payment device 100.

If the authentication is successful, the mobile payment device 100 transfers the transfer amount from the remitter charging account 102 to the payee charging account 104 (S170). Here, the charging account is a virtual account, not a real account, and is an account that is pre-assigned when the remitter or the receiver subscribes to the service according to the present invention. This will be described in detail with reference to FIG. 2. Then, the mobile payment settlement apparatus 100 transmits the transfer fact to the smartphone of the recipient 120.

Figure 2 is a diagram showing an example of the configuration of a mobile payment device for financial services using a smart phone according to the present invention.

2, the mobile payment apparatus 200 includes a charging account 202, a financial service processor 204, and a communication unit 206.

The charging account 202 is a virtual account that is given to each member at the time of joining the service according to the present invention, is associated with the real account 220 of each member, and is charged through a transfer from the real account 220.

The mobile payment device 200 is preset from a predetermined withdrawal account (which may be the same as or different from the real account 220 mentioned above) when the balance of the charging account 202 is less than or equal to a predetermined amount. A certain amount can be automatically charged to the account. In addition, the mobile payment device 200 may withdraw the shortage from the real account 220 when the remittance requested by the remitter is greater than the balance of the charging account 202 in the case of the salping remittance in FIG.

The communication unit 206 communicates with the member's smartphone 210.

When the financial service processing unit 204 receives various financial service requests of the member, the financial service processing unit 204 processes the corresponding financial service. The financial service processing unit 204 processes various services such as a money transfer service, a payment service, as well as a salping transfer service in FIG. 1 according to a member's request through the smartphone 210.

Since the remittance service has been described with reference to FIG. 1, the remittance service and the settlement service will be described here.

Refund service is a service that deposits the balance of the member's recharge account 202 to ATM withdrawal 230 or designated account 232. When the member requests a money exchange service through his smartphone 210, the financial service processing unit 204 sets the balance of the member's charging account 202 to be output from the ATM device or the balance to the corresponding account designated by the member. Transfer Of course, the refund request amount of the refund service can be specified by the member. When withdrawing money through an ATM device, the financial service processing unit 204 transmits the withdrawal approval number to the member's smartphone 210, and the member inputs the withdrawal approval number and customer information from the ATM device and withdraws from the ATM device. You can make a bank transfer.

The settlement service is a method of using the balance of the member's charging account as a settlement method when the affiliated merchant intends to pay the cost of purchasing goods or services. For example, it can be used to make small payments to shopping mall commerce by linking mobile phone costs or real time account withdrawals.

The present invention can also be embodied as computer-readable codes 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 computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, optical data storage devices, and the like. 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.

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 an illustrative rather than a restrictive sense. 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 (10)

In the financial service method of the mobile payment device connected to the smartphone and the carrier server,
Receiving a remittance request including a remittee's telephone number and the remittance amount via a remitter's smartphone;
Requesting an addressee authentication to a corresponding telecommunication company server of the phone number based on the addressee's phone number included in the remittance request; And
When the authentication is successful, the step of transferring the transfer amount from the remitter's charging account to the recipient's charging account; Financial service method using a smart phone comprising a. The method of claim 1,
When the transfer, the step of notifying the fact of the transfer to the recipient's smartphone; Financial service method using a smartphone, characterized in that it further comprises. The method of claim 1,
Receiving a remittance request from the remitter or the remittee, transferring the funds of the remitter or the recipient's corresponding charging account to a designated real account or transmitting a withdrawal approval number for withdrawal from an ATM device to the remitter or the recipient; Financial service method using a smartphone, characterized in that. The method of claim 1,
Paying the purchase amount of goods or services through the remitter or the recipient's corresponding charging account; Financial service method using a smartphone, characterized in that it further comprises. The method of claim 1,
The charging account is a financial service method using a smart phone, characterized in that the balance is automatically charged from the associated real account when the balance is less than a predetermined amount. The method of claim 1, wherein the transferring step
And if the balance of the remitter's recharge account is less than the remittance amount, transferring the shortage from the real account associated with the recharge account. Virtual charging accounts that are granted to each member upon membership registration and are charged through a transfer from a real account; And
Communication unit for performing communication with the smartphone of the subscribed member; And
When receiving a remittance request including a remittee's telephone number and the remittance amount from the remittance request member through the communication unit, upon successful authentication by requesting the recipient to the corresponding communication company of the telephone number based on the remittee's telephone number included in the remittance request. And a financial service processing unit for transferring the remittance amount from the recharging account of the remittance request member to the recharging account of the payee. The method of claim 7, wherein the financial service processing unit,
Mobile payment device using a smartphone, characterized in that the notification of the transfer to the recipient's smartphone through the app on the smartphone. The method of claim 7, wherein the financial service processing unit,
Receiving a refund request from the member through the communication unit, transfer the funds of the member's corresponding charging account to the designated real account or allow the withdrawal at the ATM, and when receiving the payment request, purchases of goods or services through the member's corresponding charging account Mobile payment device, characterized in that for paying the amount. A computer-readable recording medium having recorded thereon a program for performing the method of claim 1.

Images