KR20130015139A - Voice call based transfer processing method and system - Google Patents

Voice call based transfer processing method and system Download PDF

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Publication number
KR20130015139A
KR20130015139A KR1020110076983A KR20110076983A KR20130015139A KR 20130015139 A KR20130015139 A KR 20130015139A KR 1020110076983 A KR1020110076983 A KR 1020110076983A KR 20110076983 A KR20110076983 A KR 20110076983A KR 20130015139 A KR20130015139 A KR 20130015139A
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South Korea
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communication terminal
remittance
voice call
application provided
recipient
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KR1020110076983A
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Korean (ko)
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장준호
배병수
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인포뱅크 주식회사
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Priority to KR1020110076983A priority Critical patent/KR20130015139A/en
Publication of KR20130015139A publication Critical patent/KR20130015139A/en

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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
    • G06Q20/108—Remote banking, e.g. home banking
    • 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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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
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  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Theoretical Computer Science (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a bank transfer processing method and system, the bank transfer processing system according to the present invention, a terminal state recognition unit for recognizing the voice call connection state and the application installation state between the recipient communication terminal and the sender communication terminal, and the recipient Remittance request receiving unit for receiving the remittance request information from the communication terminal and transmits to the application installed in the sender communication terminal, and receives the remittance approval request information corresponding to the remittance request information from the remitter communication terminal and transmits to the remittance request information and the financial company server A deposit request processing unit is provided.

Figure P1020110076983

Description

Voice Call Based Transfer Processing Method and System}

The present invention is to improve the convenience and security of the account transfer process by performing the account transfer procedure in the voice call process in the account transfer processing using two communication terminals.

In general, the account transfer processing using a telephone uses a method of inputting an account password, a telebanking password, a social security number, an account number, and the like according to the guidance of a voice answering system installed in a telephone.

However, in the prior art, when the payee who requested the remittance request remittance by text message, instant message, etc., it is difficult to clearly identify the payee's identity, so that it is difficult to prevent fraud such as phishing, and information such as the account number of the payee separately from the payee. It is inconvenient to receive the remitter to enter the information required for the transfer again.

SUMMARY OF THE INVENTION In order to solve the above problems, an object of the present invention is to provide a system and method for exchanging account transfer information in a voice call process between a remittee and a payee to more clearly identify a payee and proceed with a safe transfer process. will be.

The voice call-based remittance processing method according to the present invention comprises the steps of checking a voice call connection between a remitter communication terminal and a recipient communication terminal through an application provided to the sender communication terminal or an application provided to the recipient communication terminal at the server, and at the server, Receiving remittance request information through an application provided in the payee communication terminal connected to the remitter communication terminal and a voice call; and sending the remittance request through an application provided in the remitter communication terminal connected to the payee communication terminal by a voice call from a server; Processing the information to be output; receiving a remittance approval request information corresponding to the remittance request through an application provided in a remitter communication terminal connected to the payee communication terminal by a voice communication at a server; Remit the transfer to the server And a step of processing the transfer authorization request corresponding to the information.

According to one side, the voice call-based remittance processing method, after receiving the remittance approval information corresponding to the remittance approval request from the financial institution server through the communication network in the server, the application and the recipient provided in the remitter communication terminal the approval result; The method further includes transmitting to an application provided in the communication terminal.

According to another aspect, the step of confirming the voice call connection between the sender communication terminal and the receiver communication terminal through the application provided in the sender communication terminal or the receiver communication terminal in the server, the application provided in the sender communication terminal Or confirming a telephone number of a remitter communication terminal and a recipient communication terminal connected to a voice call through an application provided in a recipient communication terminal, and the confirmed communication terminal telephone number and a recipient communication terminal through a voice call connection server on a communication network. The method may further include identifying a voice call connection of the number.

According to another aspect, the step of receiving the remittance request information through the application provided in the recipient communication terminal connected to the sender communication terminal and the voice call in the server, the agreement between the sender and the recipient using the voice call Characterized in that it further receives a transfer approval code, the processing to output the remittance request information through the application provided in the remitter communication terminal connected to the payee communication terminal and the voice call in the server, the output of the remittance request information The transfer approval code may be further output.

The voice call-based remittance processing system according to the present invention comprises a terminal state recognition unit for recognizing a voice call connection state and an application installation state between a recipient communication terminal and a remitter communication terminal, and remitter communication by receiving remittance request information from the recipient communication terminal. Remittance request receiving unit for transmitting to the application installed in the terminal, and the transfer request processing unit for receiving the remittance approval request information corresponding to the remittance request information from the remitter communication terminal and transmits the remittance request information and the financial company server.

According to one side, the terminal state recognition unit, the phone number of the recipient communication terminal and the sender communication terminal connected to the voice call through the application provided in the sender communication terminal or the application provided in the recipient communication terminal can be confirmed. have.

According to another aspect, a transfer approval code inputted with the remittance request information from the payee may be received and transmitted to the remitter communication terminal to be displayed on an application provided in the remitter communication terminal.

According to another aspect of the present invention, a specific transfer approval code is generated and transmitted to an application provided in the sender communication terminal, and a transfer approval code is received from an application provided in the payee communication terminal to the application side provided in the sender communication terminal. Transfer confirmation can be processed by checking whether it matches the transfer authorization code sent.

According to the present invention, when a payee executes an application and transmits remittance request information during a voice call, the remitter can complete the remittance corresponding to the remittance request information of the payee without the inconvenience of having to re-enter the information.

In addition, since the remittance procedure is carried out between the remitter and the recipient while the voice call is connected, the identity of the remittee and the remitter can be more clearly identified than the remittance procedure by the transfer of the remittance request information through an instant messenger or a mobile phone text message. This makes it possible to complete the remittance process more safely without risking messenger phishing.

BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and form a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention given above, serve to further the understanding of the technical idea of the invention. And should not be construed as interpretation.
1 is a diagram showing the configuration of a voice call-based remittance processing system according to an embodiment of the present invention.
2 is a diagram illustrating a detailed configuration of a relay server according to an embodiment of the present invention.
3 is a diagram illustrating a detailed configuration of a remitter communication terminal according to an embodiment of the present invention.
4 is a diagram illustrating a detailed configuration of a recipient communication terminal according to an embodiment of the present invention.
5 is a diagram illustrating a remittance processing process in a remitter communication terminal, a receiver communication terminal, and a relay server according to an embodiment of the present invention.
6 is a diagram illustrating a transfer approval process according to an embodiment of the present invention.
7 is a diagram illustrating a transfer approval process according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of a voice call-based remittance processing system according to an embodiment of the present invention.

In more detail, Figure 1 is a relay server 100 is connected to the remitter communication terminal 105 and the recipient communication terminal 110 with a voice call connected to each other through a communication network, relaying the remittance processing request between the sender and the recipient The configuration for completing the remittance process delivered to the financial company server 120 is shown.

Remittance processing system according to an embodiment of the present invention, various configurations can be made according to the implementation method and transfer approval authentication method.

First, a configuration in which the relay server 100 and the financial company server 120 are directly connected and indirectly connected through a communication network or a communication network is possible, and although not separately illustrated in the drawings, the relay server 100 may be used according to the intention of those skilled in the art. The connection between the financial company server 120 and the remitter communication terminal 105 and the recipient communication terminal 110 may be variously configured.

The relay server 100 of the information processing system according to the present invention is connected to the remitter communication terminal 105 and the recipient communication terminal 110, and received from the recipient communication terminal 110 through an application provided in each communication terminal. It transfers the remittance request information to the remitter communication terminal 105, and receives the remittance approval request information from the remitter communication terminal 105 to deliver to the financial company server.

In addition, when the recipient communication terminal 110 transmits the remittance request information, the relay server 100 checks a voice call connection state between the recipient communication terminal 110 and the remitter communication terminal 105 and the When the remitter communication terminal 105 transmits the remittance request information and receives remittance approval request information corresponding to the remittance request information from the remitter communication terminal 105, the remittance approval request information is sent to the financial company server 120. Transfer to process the transfer process.

Here, the remittance request information, one or more of information such as payee account information or the telephone number for specifying the payee communication terminal 110, and additionally any one or more of the payee name, remitter name, remittance request amount It may include.

The remittance approval request information includes one or more of information such as a remitter account information or a phone number for specifying the remitter communication terminal 105, and additionally, any one or more of a remitter's name, authentication information, and a remittance approval amount. It may include.

Here, the authentication information may be composed of personal ID and password code, electronic signature information, authentication information through an official certificate.

When the remittance request information and the remittance approval request information respectively include the payee account information and the remitter account information, the remittance procedure is processed using the remittance account information and the remitter communication terminal 110 and the remitter without the respective account information. When only the information such as a telephone number for identifying the communication terminal 105 is confirmed, a remittance procedure may be processed using the telephone number and account information previously matched with the relay server 100 or the financial institution server 120. Can be.

2 is a diagram illustrating a detailed configuration of a relay server according to an embodiment of the present invention.

In more detail, Figure 2 shows a detailed configuration of the relay server 100 on the transfer processing system shown in Figure 1, each configuration is merely a configuration for explaining an embodiment of the present invention, the present invention The technical features are not limited only to the embodiment illustrated in FIG. 2.

Referring to FIG. 2, the relay server 100 according to an exemplary embodiment of the present invention includes an application manager 240, a receiver side transceiver 250, a remitter side transceiver 255, and a remittance request information processor ( 245, the information confirmation unit 210, the storage unit 220, the authentication processing unit 225, the deposit processing unit 230 and the information processing unit 200 for controlling each component and processing information transfer between the components It is configured to include).

Here, the relay server 100 is illustrated as a single server in the drawings for the purpose of describing the embodiments, but each of the means or components may be separated into one or more servers.

The application manager 240 according to the embodiment of the present invention is installed in the recipient communication terminal 110 to transmit the remittance request information, and is installed in the remitter communication terminal 105 to receive the remittance request information. Manages the application to send remittance approval request information.

Recipient side transceiver 250 according to an embodiment of the present invention is connected to the recipient communication terminal 110 receives the remittance request information, and whether or not the voice call connection between the recipient communication terminal 110 and the sender communication terminal 105 Can check, and can check the telephone number of the recipient communication terminal (110).

The remitter-side transceiver 255 according to the embodiment of the present invention is connected to the remitter communication terminal 105 to transmit remittance request information, receive remittance approval request information, and the remittee communication terminal 110 and the remitter communication terminal ( It is possible to check whether the voice call connection between the 105, the phone number of the sender communication terminal 105.

The remittance request information processing unit 245 according to the embodiment of the present invention may manage the received remittance request information and the remittance approval request information and store them on the storage unit 220.

The information confirming unit 210 according to an embodiment of the present invention determines whether the remittance request information and the remittance approval request information are suitable from the remittance request processing unit 245, and stores the necessary information from the storage unit 220. If the voice call is not connected by checking the call connection state between the recipient communication terminal 110 and the remitter communication terminal 105, the transfer processing procedure may be stopped.

The storage unit 220 according to the embodiment of the present invention serves to store the remittance request information and remittance approval request information, remittance procedure details, remittance details, and the like.

The authentication processing unit 225 according to the embodiment of the present invention performs an authentication procedure between the payee and the remitter in the remittance procedure between the recipient communication terminal 110 and the remitter communication terminal 105, the authentication method may be variously applied. have.

In one embodiment of the present invention, by the authentication processing unit 225 determines the specific transfer approval code through the voice call between the payee and the remitter, the recipient inputs the transfer approval code with the remittance request information to the payee side When transmitting to the transceiver 250, the authentication processing unit 225 and the sender side transmitting and receiving unit 255 may output the transfer approval code from the application provided in the remitter communication terminal 105 to perform the recipient authentication procedure.

As another embodiment of the present invention, when the authentication processing unit 225 generates a specific transfer approval code and transmits it to the application provided in the remitter communication terminal 105 for processing, the remitter checks this and the remittee Receiving the transfer approval code to the recipient through a voice call connected to the communication terminal 110 when the recipient enters the transfer approval code to the application provided in the recipient communication terminal 110, the recipient side transceiver 250 Recipient authentication process can be performed through whether or not the authentication processing unit 225 matches the first transfer approval code received and generated.

The deposit processing unit 230 according to the embodiment of the present invention merges the remittance request information and the remittance approval request information, which have been authenticated by the authentication processing unit 225, or the remittance approval request information itself by the financial institution server 120. ), And when the remittance process is completed, the remittance complete message may be received from the financial institution server 120.

3 and 4 are diagrams showing the detailed configuration of the remitter communication terminal 105 and the recipient communication terminal 110 according to the embodiment of the present invention.

3 and 4 illustrate that the remitter communication terminal 105 and the recipient communication terminal 110 operating on the mobile communication system are applied to the system according to the present invention. The terminal 105 and the receiver communication terminal 110 include a body, speaker and microphone, a key input device, a screen display device, an antenna and a battery, etc. in terms of hardware. , A predetermined modem chip with functions such as a CPU / MPU (Central Processing Unit / Micro Processing Unit), a vocoder, a duplexer filter that separates transmission and reception signals from various memory devices, and one antenna, and a power to amplify a transmission signal Amplifiers, High Power Amplifiers (HPAs), Isolators to prevent the return of high power transmission signals, and out-of-band unwanted waves RF / IF SAW filter to remove signal, frequency up-circuit in transmission path, frequency down-conversion circuit in receive path, Voltage Controlled Temperature Compensate X-tal Oscillator (VCTCXO) corresponding to reference clock source, local signal of frequency up-down conversion It may be configured to include a UHF frequency synthesizer, and a codec chip for converting an analog voice signal into a digital signal, and may include all the functions and configurations of the communication terminal to be developed in the future.

Preferably, the main functional configuration of the remitter communication terminal 105 and the recipient communication terminal 110 according to the present invention referring to the above-described hardware characteristics, the output unit 310/410 and the key input unit ( 320/420, communication unit 340/440, information transmitting / receiving unit 350/450, registration unit 360/460, and a memory for storing a remittance processing application and a remittance request reception list during a call. It may be, the remitter communication terminal 105 may further include a transfer approval unit 330, the recipient communication terminal 110 may be configured to further include a transfer request unit 430.

Referring to FIG. 3, the memory stores a remittance processing application and a remittance request reception list during a call. Here, the memory enters when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the remitter communication terminal 105 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory) and the like.

The transfer approval unit 330 according to the embodiment of the present invention serves to process the remittance request information received from the recipient communication terminal 110 and the remittance approval request information received from the remitter.

In addition, the transfer approval unit 330 may automatically output the payment account information and the like contained in the transfer request information to the transfer approval request information automatically.

According to an embodiment of the present invention, the transfer approval unit 330 may receive the transfer approval code from the relay server 100 and process the output to be output through the output unit 310.

Here, according to an embodiment of the present invention, the transfer approval code may be agreed between the sender and the payee using a voice call connected between the sender communication terminal 105 and the payee communication terminal 110.

According to another embodiment of the present invention, the transfer approval code may be generated by the relay 100 server.

In addition, the transfer approval code may include one or more of numbers, letters, figures, image codes, photos, contents, and the like.

The communication unit 340 according to the embodiment of the present invention performs a role of connecting a communication network between the remitter communication terminal 105 and the relay server 100.

Here, the communication network means a communication network capable of data communication, such as mobile communication, the Internet.

The registration unit 350 according to an embodiment of the present invention requests to register the received remittance request information in a memory, and registers remittance approval request information in a memory when transmitting remittance approval request information corresponding to the remittance request information. You can ask.

In this figure, the register 350 is included in the remitter communication terminal 105, but is not necessarily embedded in the remitter communication terminal 105, and may exist outside the relay server 100 or the like.

The control unit 300 according to the embodiment of the present invention, controls the respective functions in the transfer terminal communication terminal 105.

Referring to FIG. 4, the memory stores a remittance processing application during a call. Here, the memory enters when an operation by a predetermined program routine (or code) or program data (for example, a program routine (or code)) for controlling the overall operation of the recipient communication terminal 110 is performed. General term for memory devices that store information and / or data; read-only memory (ROM) corresponding to read-only memory, flash memory (FM) for read / write, and electrically erasable and programmable read Only Memory) and the like.

The transfer request unit 430 according to the embodiment of the present invention plays a role of generating transfer request information and requesting transmission according to the recipient's input.

According to an embodiment of the present invention, the transfer request unit 430 receives the transfer approval code received by the payee through a voice call connected between the sender communication terminal 105 and the payee communication terminal 110. It serves to request the transmission to the relay server 100.

The communication unit 440 according to the embodiment of the present invention serves to connect a communication network between the recipient communication terminal 110 and the relay server 100.

Here, the communication network means a communication network capable of data communication, such as mobile communication, the Internet.

The control unit 400 according to the embodiment of the present invention controls each function in the recipient communication terminal 110.

5 is a diagram illustrating a remittance processing process in a remitter communication terminal, a receiver communication terminal, and an information processing server according to an embodiment of the present invention.

First, a voice call is connected between the remitter communication terminal 105 and the recipient communication terminal 110 (S510 / S560).

Run a remittance processing application during the voice call (S515 / S570).

Of course, the remittance processing application driving may be driven before the voice call between the remitter communication terminal 105 and the recipient communication terminal 110.

The recipient communication terminal 110 transmits the remittance request information to the relay server 100 (S520).

Here, the remittance request information may include a remittance request amount, payee account number, payee phone number, payee authentication information, and the like.

Upon receiving the remittance request information from the recipient communication terminal 110 (S530), the relay server 100 connects the voice call between the recipient communication terminal 110 and the remitter communication terminal 105 through the remittance processing application during the voice call. Check the status (S535).

The relay server 100 transmits remittance request information to an application provided in the communication terminal 105 which is a remitter (S540).

After receiving the remittance request information from the application provided in the recipient communication terminal 105, the remittance approval request information corresponding to the remittance request information received from the recipient is transmitted to the relay server 100 (S590).

The relay server 100 determines whether the remittance approval request information has been received (S545), and when receiving the remittance approval request information, transmits the remittance approval information to the financial company server (S550). In this case, if the remittance approval request information is not received even after a specific time elapses, an error message may be generated and transmitted to the remitter communication terminal 105 and the recipient communication terminal 110 (S555).

6 is a diagram illustrating a transfer approval process according to an embodiment of the present invention.

First, the relay server 100 receives a specific transfer approval code S610 agreed through the voice call connected between the sender communication terminal 105 and the recipient communication terminal 110 from the recipient communication terminal 110 ( S620).

The relay server 100 transmits the transfer approval code to the remitter communication terminal 105 (S630).

The remitter communication terminal 105 processes the received transfer approval code to be displayed on the screen so that the remitter can verify the recipient.

In this case, the transfer approval code may be included in the remittance request information transmitted by the recipient communication terminal 110.

7 is a diagram illustrating a transfer approval process according to another embodiment of the present invention.

First, when the relay server 100 receives the remittance request information from the recipient communication terminal 110, it generates a specific transfer approval code.

When the relay server 100 transmits the remittance request information to the application provided in the transfer terminal communication terminal 105 (S540), it transmits the transfer approval code (S720).

The application provided in the payee communication terminal 110 is transmitted from the payee received through the voice call to the relay server 100 from the payee received through the application provided in the sender communication terminal 105 (S740). ).

In operation S750, it is determined whether the transfer approval code received from the application provided in the recipient communication terminal 110 matches the transfer approval code generated.

When the transfer approval code received from the application provided in the recipient communication terminal 110 and the transfer approval code generated first match, the transfer request information and the transfer approval information are transmitted to the financial company server 120 (S760). If it does not match, the relay server 100 generates an error message and transmits it to the remitter communication terminal 105 and the recipient communication terminal 110 (S755).

100: relay server 105: remitter communication terminal
110: recipient communication terminal 120: financial company server
300: control unit 310: output unit
320: key input unit 330: transfer approval unit
340: communication unit 350: information transmitting and receiving unit
360: register 430: transfer request

Claims (11)

Confirming a voice call connection between the sender communication terminal and the receiver communication terminal through an application provided in the sender communication terminal or an application provided in the receiver communication terminal in the server;
Receiving the remittance request information through the application provided in the recipient communication terminal connected to the sender communication terminal and the voice call in the server
Processing the remittance request information to be output through an application provided in a remitter communication terminal connected to the recipient communication terminal and a voice call by a server;
Receiving remittance approval request information corresponding to the remittance request through an application provided in a remitter communication terminal connected to the payee communication terminal and a voice call at a server;
And a remittance approval request corresponding to the remittance approval request information from a server to a financial institution server through a communication network or a financial communication network. The method of claim 1,
After the server receives the remittance approval information corresponding to the remittance approval request from the financial institution server through a communication network or a financial communication network network, the approval result is sent to the application provided to the remitter communication terminal and the application provided to the recipient communication terminal. Voice call-based remittance processing method further comprising the step of transmitting. The method of claim 1,
The step of confirming the voice call connection between the sender communication terminal and the receiver communication terminal through the application provided to the sender communication terminal or the application provided to the recipient communication terminal in the server,
Voice call-based remittance processing method characterized in that for verifying one or more telephone numbers of the recipient communication terminal and the remitter communication terminal connected to the voice call through the application provided in the sender communication terminal or the application provided in the recipient communication terminal. The method of claim 1,
The step of confirming the voice call connection between the sender communication terminal and the receiver communication terminal through the application provided to the sender communication terminal or the application provided to the recipient communication terminal in the server,
Confirming the telephone numbers of the sender communication terminal and the receiver communication terminal connected to the voice call through an application provided to the sender communication terminal or an application provided to the receiver communication terminal;
And confirming a voice call connection between the confirmed communication terminal phone number and a recipient communication terminal phone number through a voice call connection server on a communication network. The method of claim 1,
Receiving the remittance request information through the application provided in the recipient communication terminal connected to the sender communication terminal and the voice call in the server,
And further receiving a transfer approval code agreed between the sender and the receiver using the voice call.
The processing of the remittance request information is output through the application provided in the remitter communication terminal connected to the payee communication terminal and the voice communication in the server,
And the transfer approval code is further output when the remittance request information is output. Terminal status recognition unit for recognizing the state of voice call connection and application installation between the recipient communication terminal and the sender communication terminal
Remittance request receiving unit for receiving the remittance request information from the recipient communication terminal to transmit to the application installed in the sender communication terminal
A voice call-based remittance including a deposit request processing unit for receiving a remittance approval request information corresponding to the remittance request information from a remitter communication terminal and processing a remittance approval request corresponding to the remittance approval request information to a financial institution server through a communication network; Processing system. The method according to claim 6,
Receiving remittance approval information from the financial institution server further comprises a voice call-based remittance processing system for transmitting the approval result to the application provided in the sender communication terminal and the application provided in the recipient communication terminal. The method of claim 6, wherein the terminal state recognizer,
The deposit processing system of the voice call characterized in that for verifying at least one telephone number of the recipient communication terminal and the remitter communication terminal connected to the voice call through the application provided in the sender communication terminal or the application provided in the recipient communication terminal. . The method of claim 6, wherein the terminal state recognizer,
The remitter checks the phone number of the remitter communication terminal and the recipient communication terminal connected to the voice call through an application provided to the remitter communication terminal or an application provided to the recipient communication terminal, and confirms the remitter through the voice call connection server on the communication network. And a voice call connection between the telephone number of the communication terminal and the telephone number of the recipient communication terminal. The method according to claim 6,
Voice call-based remittance processing further comprises a transfer confirmation unit for receiving the transfer approval code entered with the remittance request information from the recipient and transmitting to the sender communication terminal to be displayed on the application provided in the sender communication terminal system. The method according to claim 6,
A transfer approval code generated by a specific transfer approval code to an application provided to the remitter communication terminal, and received from the application provided to the recipient communication terminal, and then transmitted to an application provided to the sender communication terminal; The voice call-based remittance processing system further comprises a deposit approval unit for checking whether a match.
KR1020110076983A 2011-08-02 2011-08-02 Voice call based transfer processing method and system KR20130015139A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2020502651A (en) * 2016-12-13 2020-01-23 Ｌｉｎｅ株式会社 Payment methods and systems

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2020502651A (en) * 2016-12-13 2020-01-23 Ｌｉｎｅ株式会社 Payment methods and systems
JP2021185477A (en) * 2016-12-13 2021-12-09 Ｌｉｎｅ株式会社 Payment method and system

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