KR20130082800A - Convenient transfer method and system - Google Patents
Convenient transfer method and system Download PDFInfo
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- KR20130082800A KR20130082800A KR1020110137678A KR20110137678A KR20130082800A KR 20130082800 A KR20130082800 A KR 20130082800A KR 1020110137678 A KR1020110137678 A KR 1020110137678A KR 20110137678 A KR20110137678 A KR 20110137678A KR 20130082800 A KR20130082800 A KR 20130082800A
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- transfer
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
- H04L63/0838—Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords
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- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- Computer Hardware Design (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computing Systems (AREA)
- General Engineering & Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
In the account transfer method of the account transfer system according to an embodiment of the present invention, registering and managing simple transfer information including at least one of a withdrawal account, a deposit account, and a limit amount set by a user, personal authentication information from a user terminal. And receiving a simple transfer request, querying whether the simple transfer information corresponding to the personal authentication information is registered, and if the simple transfer information is registered, requesting account information and a transfer amount from the user terminal. Receiving the account information and the transfer amount from the user terminal, and comparing the transfer amount with the limit amount to perform an account transfer process.
Description
The present invention relates to an account transfer method and a system supporting the same.
According to the general method of wire transfer using internet banking or mobile banking, regardless of the amount of the transfer amount, the user can log in, request a transfer, select a withdrawal account, enter a password, deposit account and transfer amount, and use a one-time password ( Enter your One Time Password (OTP) or Security Card password and submit a certificate.
This is a procedure for transaction security, but it is troublesome for the user who frequently makes small transfers, and there is a problem that takes a lot of time.
Therefore, it is necessary to facilitate the user by simplifying the transfer process.
The technical problem to be solved by the present invention relates to a method of account transfer and a system supporting the same.
In the account transfer method of the account transfer system according to an aspect of the present invention, the method includes registering and managing simple transfer information including at least one of a withdrawal account, a deposit account, and a limit amount set by a user, personal authentication information from a user terminal, and Receiving a simple transfer request, querying whether the simple transfer information corresponding to the personal authentication information is registered, requesting account information and a transfer amount from the user terminal when the simple transfer information is registered, Receiving the account information and the transfer amount from the user terminal, and performing the transfer process by comparing the transfer amount with the limit amount.
The limit amount may be an amount for approving an account transfer without having to submit at least one of a one time password (OTP), a security card password, and a certificate for each user for a predetermined period of time.
The limit amount may be an amount for approving an account transfer without submitting at least one of a One Time Password (OTP), a security card password, and a public certificate for a predetermined period for each withdrawal account.
The limit amount may be an amount for approving an account transfer without submitting at least one of a One Time Password (OTP), a security card password, and a public certificate for a predetermined period for each deposit account.
The managing may include mapping member information and the simple transfer information.
A plurality of simple transfer information may be registered for each member information.
The step of mapping includes assigning an identification code for each simple transfer information.
Account information may include the identification code.
The step of performing a bank transfer process includes inquiring whether the transfer amount is exceeded when the transfer amount is processed, and if not, the transfer amount without requiring at least one of an OTP or security card password and a certificate. And processing a wire transfer for.
An account transfer system according to an aspect of the present invention includes a simple transfer information storage unit for storing simple transfer information including at least one of a withdrawal account, a deposit account, a limit amount, and a one-time transfer upper limit amount, and personal authentication information and a simple from the terminal. When receiving the transfer request, inquires whether the simple transfer information corresponding to the personal authentication information is registered, and if the simple transfer information is registered, request the account information and the transfer amount to the user terminal, the user terminal When the account information and the transfer amount is received from the transfer amount comparing the transfer amount and the limit amount comprises a transfer processing unit for performing a transfer process.
The transfer processing unit inquires whether the transfer amount is exceeded when the transfer amount is processed. If the transfer amount is not exceeded, the transfer processing unit does not require at least one of an OTP or a security card password and a public certificate to process the transfer of the transfer amount. Can be.
By allowing users to transfer without submitting OTP or security card passwords and certificates within the limits set by the user, it is possible to facilitate the user's convenience of frequent transfers in small amounts.
1 is a diagram schematically illustrating a service environment to which a method of transferring money according to an embodiment of the present invention is applied.
2 is a block diagram illustrating a
3 is a flowchart illustrating a method of transferring funds to the account transfer system according to an embodiment of the present invention.
4 is a schematic diagram of a
DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.
Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.
In this specification, a terminal includes a mobile station (MS), a mobile terminal (MT), a subscriber station (SS), a portable subscriber station (PSS), a user equipment , An access terminal (UE), an access terminal (AT), and the like, and may include all or some of functions of a mobile station, a mobile terminal, a subscriber station, a mobile subscriber station, a user equipment,
Hereinafter, with reference to the accompanying drawings, a method for transferring funds according to an embodiment of the present invention will be described in detail.
1 is a diagram schematically illustrating a service environment to which a method of transferring money according to an embodiment of the present invention is applied.
Referring to FIG. 1, a service environment to which the present invention is applied includes a
The
The
The
When the general
As such, requiring an OTP or security card password and a certificate for each transfer is a necessary procedure for transaction security. However, for users who frequently transfer small sums of money, it may take time and increase work load.
Thus, according to an embodiment of the present invention, the
2 is a block diagram illustrating a
2, the
The
The member
The simple transfer
The simple
When the
If the simple transfer information is registered, the
Then, the
3 is a flowchart illustrating a method of transferring funds to the account transfer system according to an embodiment of the present invention.
Referring to FIG. 3, the
The
The
If the simple transfer information corresponding to the personal authentication information is not inquired, the
When the simple transfer information corresponding to the personal authentication information is inquired, the
The
If it exceeds, the
If it does not exceed, the
As such, when the user corresponds to the simple transfer information set in advance, the user may easily transfer the OTP password or the security card password and the public certificate without separately inputting them.
Account transfer method and a system supporting the same according to an embodiment of the present invention can be applied to a transfer using ATM. For example, an ATM may expose a simple transfer tab on the screen. When the user selects the simple transfer tab on the ATM screen, the
At least some of the functions of the account transfer method and system according to the embodiment of the present invention described above may be implemented in hardware or software coupled to the hardware. Hereinafter, an embodiment in which the bank transfer system is coupled to the computer system will be described in detail with reference to FIG. 4.
4 is a schematic diagram of an
Referring to FIG. 4, the
The
In this case, the
The
The embodiments of the present invention described above are not implemented only by the apparatus and method, but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.
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 exemplary embodiments, It belongs to the scope of right.
Claims (11)
Registering and managing a simple transfer information including at least one of a withdrawal account, a deposit account, and a limit amount set by a user,
Receiving personal authentication information and a simple transfer request from a user terminal,
Querying whether the simple transfer information corresponding to the personal authentication information is registered;
Requesting the account information and the transfer amount from the user terminal when the simple transfer information is registered,
Receiving the account information and the transfer amount from the user terminal, and
Performing a bank transfer process by comparing the transfer amount with the limit amount
Account transfer method comprising a.
The limit amount is an amount of money for approving the account transfer without having to submit at least one of one time password (OTP), security card password, and a public certificate for each user for a predetermined period.
The limit amount is an amount for approving the account transfer for each withdrawal account without submitting at least one of one time password (OTP), security card password, and a public certificate for a predetermined period.
The limit amount is an amount for approving an account transfer without depositing at least one of a One Time Password (OTP), a security card password, and a public certificate for a predetermined period for each deposit account.
The managing step
Mapping member information to the simple transfer information;
Account transfer method comprising a.
Account transfer method that can be registered a plurality of simple transfer information for each member information.
The mapping step
Giving an identification code for each Quick Transfer information
Account transfer method comprising a.
The account information includes the identification code.
Performing the bank transfer processing
Inquiring whether the transfer amount is exceeded when the bank transfer is processed; and
If not exceeding, processing the transfer of the transfer amount without requiring at least one of an OTP or security card password and a public certificate;
Account transfer method comprising a.
When receiving the personal authentication information and the simple transfer request from the terminal, it is inquired whether the simple transfer information corresponding to the personal authentication information is registered, and if the simple transfer information is registered, the account information and the transfer amount to the user terminal A transfer processing unit for performing an account transfer process by comparing the transfer amount with the limit amount when receiving the account information and the transfer amount from the user terminal;
Transfer processing system comprising a.
The transfer processing unit inquires whether the transfer amount is exceeded when the transfer amount is processed. If the transfer amount is not exceeded, the transfer processing does not require at least one of an OTP or a security card password and a certificate, and processes the transfer of the transfer amount. Transfer processing system.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020110137678A KR20130082800A (en) | 2011-12-19 | 2011-12-19 | Convenient transfer method and system |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020110137678A KR20130082800A (en) | 2011-12-19 | 2011-12-19 | Convenient transfer method and system |
Publications (1)
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KR20130082800A true KR20130082800A (en) | 2013-07-22 |
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Family Applications (1)
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KR1020110137678A KR20130082800A (en) | 2011-12-19 | 2011-12-19 | Convenient transfer method and system |
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Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20200103639A (en) | 2018-01-09 | 2020-09-02 | 덴카 주식회사 | Styrene resin composition, molded article and light guide plate |
KR20210039247A (en) | 2019-10-01 | 2021-04-09 | 삼성증권주식회사 | Easy transfer service using insensitive authentication and system thereof |
WO2022231276A1 (en) * | 2021-04-28 | 2022-11-03 | 주식회사 하렉스인포텍 | Method for automatic account generation, remittance/transfer, and collection by using bank agent |
-
2011
- 2011-12-19 KR KR1020110137678A patent/KR20130082800A/en not_active Application Discontinuation
Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR20200103639A (en) | 2018-01-09 | 2020-09-02 | 덴카 주식회사 | Styrene resin composition, molded article and light guide plate |
KR20210039247A (en) | 2019-10-01 | 2021-04-09 | 삼성증권주식회사 | Easy transfer service using insensitive authentication and system thereof |
WO2022231276A1 (en) * | 2021-04-28 | 2022-11-03 | 주식회사 하렉스인포텍 | Method for automatic account generation, remittance/transfer, and collection by using bank agent |
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