KR20130082800A - Convenient transfer method and system - Google Patents

Convenient transfer method and system Download PDF

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Publication number
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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South Korea
Prior art keywords
transfer
account
information
amount
user
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KR1020110137678A
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Korean (ko)
Inventor
옥윤상
김홍신
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주식회사 하나은행
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Priority to KR1020110137678A priority Critical patent/KR20130082800A/en
Publication of KR20130082800A publication Critical patent/KR20130082800A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • G06Q20/38215Use of certificates or encrypted proofs of transaction rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/403Solvency checks
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00Network architectures or network communication protocols for network security
    • H04L63/08Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/083Network architectures or network communication protocols for network security for authentication of entities using passwords
    • H04L63/0838Network architectures or network communication protocols for network security for authentication of entities using passwords using one-time-passwords

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  • Business, Economics & Management (AREA)
  • 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

Account transfer method and system that supports it {CONVENIENT TRANSFER METHOD AND SYSTEM}

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 bank transfer system 100 according to an embodiment of the present invention.
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 bank transfer system 900 according to one embodiment of the invention.

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 terminal 10, an access system 20, and an account transfer system 100.

The terminal 10 is an apparatus for accessing the account transfer system 100 through the access system 20. The terminal 10 may be, for example, a mobile terminal of a user, a notebook computer, a desktop computer, a smartphone, an automated teller machine (ATM).

The access system 20 is a system that supports the terminal 10 to access the account transfer system 100. The access system 20 may be, for example, an internet banking system that supports internet banking through a laptop or a desktop computer, a mobile banking system that supports mobile banking through a mobile terminal, a smartphone, or the like, and supports financial transactions through an ATM. May be an ATM system.

The bank transfer system 100 supports an account transfer service according to an embodiment of the present invention to the terminal 10 connected through the access system 20. The bank transfer system 100 and the access system 20 may be operated by a financial institution server.

When the general account transfer system 100 receives a transfer request from the terminal 10, the terminal 10 requests transfer related information including the withdrawal account information, the account password, the deposit account information, and the withdrawal amount, and the terminal. Verify the account using the transfer related information received from (10). In addition, the account transfer system 100 requests an OTP or security card password from the terminal 10, requests an official certificate, checks the OTP or security card password and the public certificate received from the terminal 10, and then processes the transfer. .

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 account transfer system 100 stores and manages the simple transfer information registered in advance by the user, and if there is a simple transfer request through the terminal 10, the registered simple transfer By inquiring the information, the transfer can be easily authorized without requesting an OTP or security card password and public certificate. Hereinafter, the bank transfer system 100 and the bank transfer method thereof according to an embodiment of the present invention will be described in detail.

2 is a block diagram illustrating a bank transfer system 100 according to an embodiment of the present invention.

2, the account transfer system 100 includes an interface unit 110, a member information storage unit 120, a simple transfer information storage unit 130, a simple transfer information management unit 140, and a transfer processing unit 150. Include.

The interface unit 110 receives data transmitted from the terminal 10 in cooperation with the access system 20 or transmits data transmitted to the terminal 10.

The member information storage unit 120 stores member information. The member information may include, for example, at least one of a name, an ID, a password, a social security number, an address, an e-mail address, a phone number, and account information held. Here, the member information may be stored encrypted for the protection of personal information. The member information storage unit may store only an identification code corresponding to the member information, and the member information corresponding to the identification code may be stored in an external system.

The simple transfer information storage unit 130 stores 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. The simple transfer information storage unit 130 may register one or more simple transfer information for each user. For example, a user can register a deposit account for X withdrawal account, b deposit account for X withdrawal account, c deposit account for Y withdrawal account and d deposit account for Y withdrawal account as easy transfer information. . The limit amount may be an amount for which a simple transfer is authorized without submitting at least one of an OTP or security card password and a certificate for a predetermined period. The limit amount may be set for each user, for each withdrawal account, or for each deposit account. That is, one of the amount of money authorized for simple transfer for a predetermined period (for example, one month) for each user, the amount of money authorized for simple transfer for a predetermined period for each withdrawal account, and the amount of money authorized for simple transfer for a predetermined period for each deposit account. Can be. The one-time transfer cap is a one-time transfer amount that authorizes a simple transfer without submitting at least one of an OTP or security card password and a certificate.

The simple transfer information manager 140 may map the simple transfer information stored in the simple transfer information storage 130 and the member information stored in the member information storage 120. And, if one or more simple transfer information is registered for each user, an identification code may be assigned to each simple transfer information.

When the transfer processing unit 150 receives a transfer request from the terminal 10, the transfer processing unit 150 performs a transfer process. When the terminal 10 requests the simple transfer, the transfer processing unit 150 queries whether the simple transfer information corresponding to the personal authentication information is registered through the simple transfer information storage unit 130 or the simple transfer information management unit 140. do.

If the simple transfer information is registered, the transfer processing unit 150 requests the account information and the transfer amount from the terminal 10 and receives it from the terminal 10. The account information may be, for example, an identification code stored in the simple transfer information management unit 140. That is, the transfer processing unit 150 to the terminal 10, a simple transfer information list (for example, X withdrawal account / a deposit account, X withdrawal account / b withdrawal account, Y withdrawal account / c withdrawal account and Y withdrawal account / d List of deposit accounts) and an identification code corresponding to each simple transfer information, and the terminal 10 may select one identification code.

Then, the transfer processing unit 150 performs a simple transfer by comparing the transfer amount and the limit amount. In other words, it is inquired whether the transfer amount is exceeded when the transfer amount is processed. For example, if the monthly limit for each user is 1 million won and the user makes a simple transfer of 800,000 won in the month, and the user requests a simple transfer of 100,000 won, it is within the limit, so the OTP or security card password and Simple transfer of 100,000 won is required without requiring at least one of the accredited certificates. On the other hand, if the monthly limit amount per user is 1 million won, and the user has already made a simple transfer of 950,000 won in the month, if the user requests a simple transfer of 100,000 won, the error is exceeded because the limit is exceeded.

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 account transfer system 100 registers and manages 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 set by the user (S300). When registering the simple transfer information, the bank transfer system 100 may request at least one of the user's OTP or security card password and authorized certificate. The limit amount is one of the amount of money authorized for simple transfer for a predetermined period (for example, one month) for each user, the amount of money authorized for simple money transfer for a predetermined period for each withdrawal account, and the amount of money authorized for simple money transfer for a predetermined period for each deposit account. Can be. The account transfer system may manage by mapping member information and simple transfer information. In addition, one or more simple transfer information may be registered and managed for each user. In this case, an identification code may be provided for each simple transfer information.

The account transfer system 100 receives the personal authentication information and the simple transfer request from the terminal 10 (S310). Here, the personal authentication information may be an ID and password or a public certificate. To this end, the terminal 10 may log in by inputting an ID and password or log in with an official certificate. In addition, a simple transfer request may be received by the user clicking the simple transfer tab exposed on the screen of the terminal 10.

The account transfer system 100 inquires whether simple transfer information corresponding to personal authentication information is registered (S320). To this end, the mapped member information and the simple transfer information may be inquired in step S300.

If the simple transfer information corresponding to the personal authentication information is not inquired, the account transfer system 100 transmits an error indication to the terminal 100 (S330).

When the simple transfer information corresponding to the personal authentication information is inquired, the account transfer system 100 receives the account information and the transfer amount from the terminal 100 (S340). Here, the account information may be a withdrawal account and a deposit account previously registered by the user for easy transfer. To this end, the account transfer system 100 may request the account information and the transfer amount from the terminal 10, and the terminal 10 may transmit the account information and the transfer amount in response thereto. Here, the account transfer system 100 may provide the terminal 10 with a list including accounts that can be easily transferred, and allow the terminal 10 to select it.

The account transfer system 100 inquires whether the limit amount is exceeded by performing a transfer process according to the transfer amount (S350). That is, when the monthly limit amount for each user is set in advance, the account transfer system 100 inquires whether the monthly limit amount for the corresponding user is exceeded by transferring the transfer amount.

If it exceeds, the account transfer system 100 displays an error on the screen of the terminal 10 (S360).

If it does not exceed, the account transfer system 100 performs a transfer process (S370). At this time, unlike the usual procedure, the transfer is authorized immediately without requiring an OTP password or security card password and a public certificate.

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 account transfer system 100 inquires the user information using the card number or the account number read through the ATM, and checks whether the user has registered the simple transfer information in advance. You can inquire. When the user has registered the simple transfer information in advance, the account transfer system 100 exposes the registered account list through the ATM screen. Here, the account list may include at least a pair of withdrawal accounts and deposit accounts. The bank transfer system 100 may perform a transfer process on the withdrawal account and the deposit account selected by the user. Accordingly, the user does not need to input the withdrawal account and the deposit account at the time of the account transfer through the ATM, and reduces the time required by inputting the account password and performing the processing thereof.

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 account transfer system 900 according to an embodiment of the present invention, which is an interface unit, a member information storage unit, a simple transfer information storage unit, a simple transfer information management unit, and a transfer processing unit of the above-described account transfer system. Represents a system that can be used to perform at least some of its functions

Referring to FIG. 4, the account transfer system 900 may include a processor 910, a memory 920, at least one storage device 930, an input / output (I / O) interface 940, and a network interface ( 950).

The processor 910 may be implemented as a central processing unit (CPU) or other chipset, microprocessor, or the like. The memory 920 may be any suitable medium such as RAM, such as dynamic random access memory (DRAM), random access memory (RAM) DRAM, synchronous dynamic random access memory (SDRAM), static random access memory (SRAM) . ≪ / RTI > The storage device 930 may include a hard disk, a compact disk read only memory (CD-ROM), a CD rewritable (CD-RW), a digital video disk ROM (DVD-ROM), a DVD-RAM, and a DVD-RW disk. The optical disk may be implemented as a permanent or volatile storage device such as an optical disk such as a blu-ray disk, a flash memory, or various types of RAM. The I / O interface 940 also allows the processor 910 and / or the memory 920 to access the storage device 930. The network interface 950 allows the processor 910 and / or the memory 920 to access the network.

In this case, the processor 910 loads a program command for implementing at least some functions of the interface unit, the member information storage unit, the simple transfer information storage unit, the simple transfer information management unit, and the transfer processing unit into the memory 920, and the transceiver unit At least some functions of the database, the authentication number generation unit, and the payment processing unit may be located in the storage device 930 to control to perform the operation described with reference to FIGS. 1 to 3.

The processor 910, the memory 920, the storage 930, the I / O interface 940, and the network interface 950 shown in FIG. 4 may be implemented in one computer or distributed among a plurality of computers. It may be implemented.

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)

In the account transfer method of the account transfer system,
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 method of claim 1,
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 method of claim 1,
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 method of claim 1,
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 method of claim 1,
The managing step
Mapping member information to the simple transfer information;
Account transfer method comprising a.
The method of claim 5,
Account transfer method that can be registered a plurality of simple transfer information for each member information.
The method according to claim 6,
The mapping step
Giving an identification code for each Quick Transfer information
Account transfer method comprising a.
The method of claim 7, wherein
The account information includes the identification code.
The method of claim 1,
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.
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
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 method of claim 10,
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.
KR1020110137678A 2011-12-19 2011-12-19 Convenient transfer method and system KR20130082800A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
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

Cited By (3)

* Cited by examiner, † Cited by third party
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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