KR20160145450A - Method for Withdrawing Cash by Non-Card using Multiple Network Interworking Certification - Google Patents
Method for Withdrawing Cash by Non-Card using Multiple Network Interworking Certification Download PDFInfo
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- 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
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Abstract
Description
The present invention provides a multi-network interworking authentication method for interworking a multi-network interworking authentication process between a smart phone and a telephone network for exchanging messages via a private network for communicating with an ATM, a data network for communicating with an app of a smart phone, And withdraw the charge that is charged to the virtual account linked with the app of the ATM through ATM.
In order to withdraw cash using a cash dispenser such as an ATM (Automated Teller Machine), it is necessary to possess a real card or a passbook or the like. In the case where there is money available for withdrawal in the account linked to the card or passbook, ATMs can not withdraw cash.
Recently, application technologies related to smart phones have been merged with the financial industry, and various settlement activities and financial transactions using smart phones have become possible without real cards or passbooks, and examples of not having real cards or bankbooks are increasing. However, in order to withdraw cash from an ATM, it is still inconvenient to have a physical card or a bankbook.
Recently, there has been proposed a service for managing a prepaid account using a user terminal, conducting all procedures related to cash withdrawal on a user terminal, and inputting the received authentication number into an ATM to withdraw cash (Patent Publication No. 10 -2013-0083075). In this case, if the authentication number is stolen only through smsing or the like, anyone has a problem of withdrawing cash of another person.
In order to solve the above problems, an object of the present invention is to provide a smart phone which is capable of providing a smart phone with a virtual account, A smart phone, a smart phone, a smart phone, a smart phone, a smart phone, a smart phone, a smart phone, and the like. The present invention provides a cardless cash withdrawal method using a multi-network interworking authentication method of safely withdrawing a charged money in a virtual account linked to an app of an ATM.
Cardless cash withdrawal method using multi-network interworking authentication according to the present invention is a method of communicating with N (N > = 2) ATMs through a private network, communicating with apps of a smartphone through a data network, The method comprising the steps of: displaying an app installed in a user's smartphone through a data network and opening a virtual account linked to the app; A second step of registering an account password; a second step of receiving an app drive signal for an app provided in a smartphone of a user associated with the virtual account through a data network; Identifying a virtual account associated with the app and generating a unique one-time account number that does not overlap for a specified validity time, And providing the disposable account number to an app of a smartphone corresponding to the app drive signal through the data network; and a third step of providing the disposable account number from the nth ATM (1? N? A fifth step of authenticating the validity of the password received through the dedicated network through the password of the virtual account, checking the virtual account mapped with the one-time account number, receiving the disposable account number, A sixth step of generating a disposable authentication number valid for a specified valid time and transmitting the authentication number to the smartphone through a message via a message center of a communication company via the telephone network; A seventh step of receiving an authentication number corresponding to a message provided to the smartphone from the nth ATM through the telephone network, An authentication step of authenticating the validity of the authentication number received from the nth ATM via the dedicated network using the authentication number provided to the smart phone through the telephone network; And a ninth step of performing a procedure for approving the withdrawal request of the charged money.
According to the present invention, in the cardless cash withdrawing method using the multi-network interworking authentication method, after the virtual account is opened, the payment amount paid by the user for downloading the application is checked at the time of downloading the app And charging the virtual account with a part of the confirmed payment amount or the payment amount.
According to the present invention, in the cardless cash withdrawing method using the multi-network interworking authentication method, after the virtual account is opened, an amount of cash deposited through the m (1? M? N) And charging the virtual account with the amount of money deposited through the m-th ATM.
According to the present invention, the cardless cash withdrawal method using the multi-network interworking authentication method comprises the steps of: after the virtual account is opened, accepting payment through a card inserted into an ATM (1 < And charging the virtual account with the amount authorized for payment using the card inserted in the mth ATM.
According to the present invention, the fourth step may further include receiving a withdrawal request amount to be withdrawn from the virtual account from the nth ATM.
According to the present invention, the seventh step may further include receiving a withdrawal request amount to be withdrawn from the virtual account from the nth ATM.
According to the present invention, the step (6) further includes the step of mapping the generated authentication number to the n-th ATM, and in the eighth step, the authentication number mapped to the n-th ATM is used, The validity of the received authentication number can be authenticated.
According to the present invention, the cardless cash withdrawal method using the multi-network interworking authentication method comprises the steps of sending the message to the smartphone via the telephone network and then transmitting the message from the app of the smartphone, And receiving a background switching signal of the application. In the eighth step, the message is sent to the smartphone via the telephone network and the background switching signal of the application is received through the data network And authenticating the time-series relation based on the network interworking for receiving the authentication number from the nth ATM through the dedicated network. Meanwhile, the background switching signal of the application is transmitted from the app of the smart phone to the data network in response to an event of background switching of the application for outputting the contents of the message received by the smart phone via the telephone network, Lt; / RTI > Meanwhile, the message may be configured such that the authentication number included in the message is not exposed by the received message preview function of the smartphone.
According to the present invention, it is possible to charge a charging account to a virtual account linked with an app downloaded to a smart phone and then transmit the charging fee to the smart phone via a private network for communicating with the ATM without a separate card, a data network communicating with an app of the smart phone, There is an advantage of safely withdrawing the charged charge to the virtual account associated with the app through the multi-network interworking authentication which authenticates the multi-interworking telephone network exchanging messages.
1 is a diagram illustrating a configuration of a cardless cash withdrawal system using multi-network interworking authentication according to an embodiment of the present invention.
2 is a diagram illustrating an application installation process of a smartphone according to an embodiment of the present invention.
3 and 4 are diagrams illustrating a process of opening a virtual account linked with an app of a smartphone according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of charging a charging money to a virtual account associated with an app according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process of charging a charge to a virtual account associated with an app according to another embodiment of the present invention.
FIG. 7 is a diagram illustrating a data network interworking process for withdrawing a cash of a virtual account associated with an app, without a card, according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a process of linking a private network for withdrawing a cash of a virtual account associated with an app, without a card, according to an embodiment of the present invention.
FIG. 9 is a diagram illustrating a telephone network interlocking process for withdrawing a cash of a virtual account associated with an app, without using a card, according to an embodiment of the present invention.
FIG. 10 is a diagram illustrating a process of withdrawing a cash of a virtual account connected to an app through a multi-network interworking authentication according to an embodiment of the present invention without a card.
The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. 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 idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.
FIG. 1 is a diagram illustrating a configuration of a cardless cash withdrawal system using multi-network interworking authentication according to an embodiment of the present invention.
1 is a block diagram of a multi-network system for multi-linking a telephone network for exchanging messages with a smartphone 145 via a private network for communicating with the
The system of the present invention communicates with N (N > = 2)
The
The user's smartphone 145 downloads and installs a designated application from a designated application providing server 155 (e.g., Apple's App Store, etc.), and the app installed in the smartphone 145 is connected to the data network And communicates with the operating server 100. The data network may be a packet-switched communication network (e.g., a communication network connected to the Internet via a packet router) that does not pass through the exchange of a communication company to which the smartphone 145 subscribes, or Wi-Fi / Bluetooth And a communication network connected to the Internet via a repeater (for example, a wireless AP, etc.) provided near the smartphone 145 using the communication network.
On the other hand, the smartphone 145 of the user can connect a telephone call by performing a call connection procedure with various communication devices (or an ARS server, etc.) through a telephone network via a telephone exchange of a communication company. (E.g., SMS, LMS, MMS, etc.) via the network. Preferably, the operation server 100 may send a message to the smartphone 145 through a telephone network via a switch center of a communication company to which the smartphone 145 subscribes or a message center.
Referring to FIG. 1, the operation server 100 can download an application installed in a user's smartphone 145 through a data network, check an installed application, open a virtual account linked with the application, register a password of the virtual account And a virtual account manager 110 for managing a virtual account associated with an app of the smartphone 145. The virtual account manager 110 manages a virtual account associated with an app of the smartphone 145. [
The smartphone 145 downloads and installs an app for performing the data network interworking procedure of the cardless cash withdrawal according to the present invention from the app providing server 155 via the data network according to a user operation. The app of the smartphone 145 communicates with the operation server 100 via the data network in the initial operation after the installation (or before the virtual account is opened), and the app (or the app and the smartphone 145)) is set as a unique identification code. For example, the unique identification code may include a Universally Unique Identifier (UUID) and / or a Unique Device Identifier (UDID) and / or a Globally Unique IDentifier (GUID). The unique identification code is not limited to the above example, and any code that can be uniquely identifiable as the app installed in the smartphone 145 (or a combination of the app and the smartphone 145) I will make clear that it is included. The virtual account opening unit 105 confirms a unique identification code that uniquely identifies the application installed in the smartphone 145 (or the combination of the smartphone 145 and the application) according to a designated procedure.
Meanwhile, before or after setting the unique identification code, the smartphone 145 app performs a user registration procedure with the operation server 100. The application of the smartphone 145 receives the personal information of the user and provides the received information to the operation server 100. The user inputs the telephone number of the smartphone 145 or extracts the extracted telephone number from the USIM, (100), registers the password, and provides the password to the operation server (100).
When the user's personal information, phone number and password are provided from the app of the smartphone 145, the virtual account opening unit 105 opens a virtual account for managing the charging money for cardless cash withdrawal according to the present invention (Or the personal information or the telephone number associated with the unique identification code) corresponding to the virtual account information and the app (or the combination of the smartphone 145 and the app) A procedure for opening a virtual account mapped with an app of the smartphone 145 is performed, and the registered password is set and stored as the password of the virtual account. For example, the virtual account may be opened by using the real account of the operation server 100 opened in the designated financial institution as the mother account.
The virtual account opening unit 105, which has opened a virtual account mapped to the application of the smartphone 145, transmits a digits of the number of digits designated by the smartphone 145 through a message via a telephone network of a communication company based on the telephone number Provide a number. The application of the smartphone 145 receives the authentication number included in the message received via the telephone network and transmits the input authentication number to the operation server 100 via the data network, The establishing unit 105 compares the authentication number provided to the smartphone 145 via the telephone network with the authentication number received from the app of the smartphone 145 via the data network and verifies the validity. Upon validating the authentication number, the virtual account establishing unit 105 finally establishes a virtual account mapped with the application of the smartphone 145, and transmits the application to the smartphone 145 via the data network And provide the virtual account information mapped to the application of the smartphone 145.
According to the embodiment of the present invention, the virtual account establishing unit 105 may map the virtual account information to the personal information and / or the telephone number of the user registered through the application of the smartphone 145 . In this case, when the app of the smartphone 145 is deleted and reinstalled, the virtual account management unit 110 stores a unique identification code (or combination of an application and a smartphone 145) of the app reinstalled in the smartphone 145 And associates the virtual account information with the application re-installed in the smartphone 145 using the personal information and / or the telephone number of the user. The virtual account management unit 110 re-installs the application in the replaced smart phone 145 when the smart phone 145 installed with the application associated with the virtual account is replaced with another smart phone 145 and then reinstalled. The unique identification code of the app (or a combination of the application and the smartphone 145) can be confirmed, and the virtual account information can be associated with the application re-installed in the smartphone 145 using the personal information of the user, When the phone number of the replaced smart phone 145 is changed, the virtual account information may be associated with the changed phone number using the personal information of the user.
Referring to FIG. 1, the operating server 100 includes a virtual account charging unit 115 that charges a charging money for cardless cash withdrawal to a virtual account associated with an app of the smartphone 145.
The virtual account associated with the app of the smartphone 145 is charged with a predetermined charge for withdrawing cardless cash according to the present invention, and the charge can be charged through the
According to the first virtual account charging embodiment of the present invention, the application providing server 155 can download the app to the smartphone 145 of a user who paid a predetermined amount. At this time, the payment amount for downloading the application may be different for each of the same or downloading applications, and thus the present invention is not limited thereto. When opening the virtual account linked with the app through the virtual account opening unit 105 when the app is downloaded to the smartphone 145 of the user who paid the payment in the app providing server 155, The controller 115 checks the payment amount paid by the user to pay for downloading the app. When the same payment amount is paid to download the app, the virtual account charging unit 115 can automatically check the payment amount. On the other hand, if the amount of payment differs for each app to be downloaded, the virtual account charging unit 115 checks the amount of the payment made by the application linked to the virtual account, downloads the downloaded payment amount can confirm. When the payment amount paid for downloading the application linked to the virtual account to the smartphone 145 is confirmed, the virtual account charging unit 115 transmits the payment amount paid by the user or the payment amount It is possible to perform a procedure of charging a virtual account associated with the app with a certain amount of money. Such virtual account charging can be performed once at the time of downloading and installing an application on the smartphone 145, and subsequent virtual account charging is preferably performed through the
According to the second virtual account charging embodiment of the present invention, the virtual account charging unit 115 transmits an amount of cash deposited to the
On the other hand, according to the expanded example of the second virtual account charging embodiment, when the password of the virtual account is authenticated, the virtual account charging unit 115 transmits a message via the telephone network of the communication company based on the telephone number associated with the virtual account And may provide the authentication number of the number of digits designated by the smartphone 145. In this case, the smartphone 145 displays the authentication number included in the received message, and the user inputs the authentication number to the
According to the third virtual account charging embodiment of the present invention, the virtual account charging unit 115 transmits the settlement amount using the card inserted in the
On the other hand, according to the extended example of the third virtual account charging embodiment, when the password of the virtual account is authenticated, the virtual account charging unit 115 transmits a message via the telephone network of the communication company based on the telephone number associated with the virtual account And may provide the authentication number of the number of digits designated by the smartphone 145. In this case, the smartphone 145 displays the authentication number included in the received message, and the user inputs the authentication number to the
Referring to FIG. 1, the operating server 100 transmits a charging fee to a virtual account associated with an app of the smartphone 145 via a data network A data network processing unit 125 for performing a procedure for interworking with an application of the smartphone 145 and a dedicated network processing unit 120 for performing a procedure of interworking with the
When the user withdraws the charged money in the virtual account associated with the application of the smartphone 145 without a card, the user activates (or switches to the foreground) the application provided in the smartphone 145, And the app that is driven (or switched to the foreground state) generates an app drive signal that identifies the driving of the app (or switches to the foreground state) and transmits the app driving signal to the operating server 100 through the data network, The data network processing unit 125 receives an app drive signal transmitted from an app of the smartphone 145 via the data network. Preferably, the app drive signal may include a unique identification code that uniquely identifies an app (or a combination of an app and a smartphone 145) running on the smartphone 145.
When the application driving signal is received via the data network, the data network processing unit 125 confirms the virtual account associated with the application based on the application driving signal. For example, the data network processing unit 125 confirms a unique identification code included in the application driving signal, checks the virtual account information mapped with the unique identification code, You can check the virtual account that was created.
When the virtual account associated with the application corresponding to the application driving signal is confirmed, the network interlocking authentication unit 135 generates a disposable account number having a unique value that is not duplicated during the designated valid time, And maps the account to the generated one-time account number. For example, the network interworking authentication unit 135 may store the virtual account information associated with the application and the generated disposable account number during the valid time period.
After the disposable account number is mapped to the virtual account, the data network processing unit 125 provides the disposable account number to an app of the smartphone 145 corresponding to the app drive signal via the data network, The application of the smartphone 145 receives and outputs the disposable account number. Then, the user selects one of the
When the n-
According to an embodiment of the present invention, the n-
When the disposable account number and the password are received from the
When the virtual account mapped with the disposable account number is confirmed, the network interworking authentication unit 135 authenticates the validity of the password received from the
After the authentication number is mapped to the n-
According to another embodiment of the present invention, the authentication number transmitted to the smartphone 145 may be a predetermined number of digits or may be RF data, barcode data, QR code data, and NFC data corresponding to the designated authentication number.
According to the embodiment of the present invention, the telephone network processing unit 130 constructs a message so that the authentication number included in the message is not exposed through the message preview function of the smartphone 145, To the smartphone 145 in order to perform the transmission. In this case, the authentication number is not exposed through the message preview function of the smartphone 145, and a user operation is performed to output the entire contents of the message in order to confirm the authentication number included in the message . When the user operates the smartphone 145 to output the entire contents of the message to output the authentication number after the message including the authentication number is received via the telephone network, The application displayed on the screen of the smartphone 145 is switched to the background state by the operating system of the smartphone 145. At this time, In response to a background switching event by the operating system, the application configures a background switching signal that identifies the switching to the background state, and transmits the background switching signal to the operating server 100 via the data network, . Preferably, the background switching signal may include a unique identification code of the app. The data network processing unit 125 receives the background switching signal of the app via the data network and the network interworking authentication unit 135 transmits the background switching signal to the smart phone 145 Based on the time-series relationship of receiving the background switching signal from the application of the smartphone 145 receiving the message through the data network processing unit 125 after the message including the authentication number is transmitted can do. The contents of the message transmitted through the telephone network include content for inducing a user operation to output the entire contents of the message, and / or the contents of the message transmitted from the smartphone 145 at the time of receiving the message via the telephone network The contents of the execution screen of the app displayed on the screen may be displayed on the screen of the n-
After the authentication number included in the message via the telephone network is output, the user of the smartphone 145 inputs the authentication number to the
According to another embodiment of the present invention, if the authentication number is transmitted as RF data to the smartphone 145, the smartphone 145 may output RF data, and the user may transmit the RF data to the
If the authentication number is transmitted as barcode data or QR code data to the smartphone 145, the smartphone 145 may generate and output a barcode or QR code corresponding to barcode data or QR code data, The user can recognize the barcode or QR code output to the smartphone 145 to the barcode reader provided in the
Also, if the authentication number is transmitted as NFC data to the smartphone 145, the smartphone 145 can output NFC data, and the user can input the smartphone 145 to the
According to an embodiment of the present invention, the n-
When the authentication number is received from the
Meanwhile, when receiving the background switching signal of the app via the data network from the app of the smartphone 145 receiving the message via the telephone network, the network interlocking authentication unit 135 transmits the background switching signal to the smart phone 145 via the telephone network. After receiving the background switching signal of the app via the data network from the app of the smartphone 145 that has received the message, Based relationship in which the authentication number is received from the
A network interworking authentication for authenticating validity by receiving an authentication number included in a message sent via a telephone network by a smart phone 145 installed with an application connected through a data network via a private network is confirmed and / After receiving the background switching signal of the app via the data network from the application of the smartphone 145 that has received the message sent to the smartphone 145, the application receiving the authentication number via the dedicated network, Based time series relation authentication is confirmed, the withdrawal approval procedure unit 140 confirms withdrawal request amount of withdrawal requested from the
2 is a diagram illustrating an application installation process of the smartphone 145 according to an embodiment of the present invention.
FIG. 2 illustrates a process for charging a payment amount (or a part of a payment amount) paid by a smart phone 145 when charging an application with a charge of a virtual account to be associated with the application. Those skilled in the art will appreciate that various implementations of the app install process (e.g., omitting some of the steps or changing the order) may be implemented by referring to and / However, the present invention includes all of the above-mentioned embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.
Referring to FIG. 2, the smartphone 145 requests the app providing server 155 to download an app according to the present invention (200) according to a designated procedure. The application providing server 155 confirms whether the paid-for-use-of-paid-for-app is paid (step 205). If the application is downloaded free of charge, the application providing server 155 downloads the application to the smartphone 145, and the smartphone 145 installs the downloaded application 230 ).
On the other hand, when downloading the app by paying the fee, the app providing server 155 checks the payment amount for downloading the app (210), and requests payment of the confirmed payment amount to the smartphone 145 (Step 215), and the smartphone 145 performs a payment procedure for downloading the app according to a designated paid payment procedure (step 220). If the payment amount of the application is paid, the application providing server 155 downloads the application to the smartphone 145 and installs the downloaded application 230 ). Meanwhile, the payment amount (or a part of the payment amount) settled in the process of downloading the app may be charged with the charge of the virtual account associated with the downloaded app through the process of FIG.
3 is a diagram illustrating a process of opening a virtual account associated with an app of the smartphone 145 according to an embodiment of the present invention.
FIG. 3 shows a process of opening a virtual account linked with an app downloaded to the smartphone 145 through the process of FIG. 2. Referring to FIG. 3, , It is possible to refer to and / or modify the FIG. 3 to various implementations of the virtual account opening process (for example, omitting some steps or changing the order). However, And the technical features thereof are not limited only by the method shown in FIG.
Referring to FIG. 3, a smartphone 145 downloading and installing an app through the process of FIG. 2 drives the installed app 300, and when the app is installed for the first time (or before a virtual account is opened) The activated application performs a procedure of setting a unique identification code of the application 305 and the unique identification code of the app is set up 305 in conjunction with the operation server 100 or the operation server 100, (305). ≪ / RTI >
The application of the smartphone 145 receives the personal information of the user and inputs (or extracts) a telephone number of the smartphone 145 (310), and transmits the personal information of the user via the data network And transmits the telephone number of the smartphone 145 to the operation server 100 (315).
The operating server 100 receives the personal information and the telephone number via the data network 320 and opens a virtual account to be associated with the application corresponding to the unique identification code 325. If the virtual account is opened, the operation server 100 generates (330) an authentication number for associating the virtual account with the application (330), and transmits the authentication number including the authentication number to the smartphone (145) via the telephone network The smartphone 145 receives the message including the authentication number via the telephone network 340 and outputs the authentication number included in the message in operation 345.
4 is a diagram illustrating a process of opening a virtual account associated with an app of the smartphone 145 according to an embodiment of the present invention.
In more detail, FIG. 4 illustrates a process of authenticating an authentication number provided to the smartphone 145 through the process of FIG. 3 and establishing a virtual account linked with the application downloaded to the smartphone 145 through the process of FIG. 2 4 is a flow chart illustrating a process of opening and closing a virtual account according to various embodiments of the present invention (for example, some steps may be omitted, However, the present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited by the method shown in FIG.
Referring to FIG. 4, a message including an authentication number is provided to a smartphone 145 via a telephone network through the process of FIG. 3. Then, the application of the smartphone 145 transmits a message (400), transmits the input authentication number via the data network (405), and the operation server (100) receives the authentication number via the data network (410) .
The operation server 100 authenticates the validity of the authentication number received via the data network using the authentication number transmitted to the smartphone 145 through the telephone network (415). If the validity of the authentication number is not authenticated, the operation server 100 generates an authentication number authentication error 420, transmits the authentication error to the application of the smartphone 145 through the data network 425 , The app of the smartphone 145 receives and outputs the authentication error (430).
Meanwhile, when the validity of the authentication number is authenticated, the operation server 100 maps the virtual account information opened through the process of FIG. 3 and the unique identification code of the application and stores the virtual account information and the unique identification code of the application, (Step 435). In step 435, the operation server 100 may map the personal information and / or the telephone number received through the process of FIG. 3 to the virtual account information, and store the personal information and / or telephone number.
The operating server 100 transmits virtual account information associated with the app to an app of the smartphone 145 via a data network 440. The application of the smartphone 145 is transmitted via the data network The virtual account information associated with the app is received (445), and the virtual account information associated with the app is stored in the designated storage area (450).
Meanwhile, the operation server 100 confirms the payment amount paid through the process of FIG. 2 at the downloading point of the application associated with the virtual account (455). If the payment amount settled at the downloading time of the application is confirmed, the operation server 100 can charge the payment amount (or a part of the payment amount) to the virtual account associated with the app (460).
FIG. 5 is a diagram illustrating a process of charging a charge to a virtual account associated with an app according to an embodiment of the present invention.
More specifically, FIG. 5 illustrates a process of charging a charge to a virtual account associated with an app using a cash deposit using the
Referring to FIG. 5, the user confirms the virtual account information provided by the application of the smartphone 145 through the process of FIG. 4, inputs the virtual account information and the password to the ATM 150 (500) The
The operating server 100 confirms the virtual account associated with the app using the virtual account information (515). If the virtual account associated with the app is not confirmed, the operation server 100 generates a virtual account authentication error (520), transmits the authentication error to the
Meanwhile, when the virtual account associated with the app is confirmed, the operation server 100 compares the password set in the confirmed virtual account with the password received through the private network to authenticate the validity of the virtual account associated with the app (535). If the validity of the virtual account is not authenticated, the operation server 100 generates a virtual account authentication error (520), transmits the authentication error to the
Meanwhile, when the validity of the virtual account is authenticated, the operation server 100 transmits the virtual account authentication result associated with the app to the
The operating server 100 receives the charging information via an exclusive network (565), and charges the charging money in the virtual account associated with the application (570).
FIG. 6 is a diagram illustrating a process of charging a charge to a virtual account associated with an app according to another embodiment of the present invention.
More specifically, FIG. 6 illustrates a process of charging a charging money to a virtual account associated with an app based on payment using a card inserted into the
Referring to FIG. 6, when the validity of a virtual account is authenticated through the process of FIG. 5, the
The operating server 100 requests the financial company server 160 to approve the payment of the charging fee using the card information 615 and the financial company server 160 transmits the charging approval process (620), generates a payment approval result, and provides the payment approval result to the operation server 100 (625). The operation server 100 receives the payment approval result from the financial company server 160 (operation 630). If the charging of the charging money is not approved, the operating server 100 generates a virtual account charging error (635), transmits the charging error to the ATM (150) via a private network (640) The
Meanwhile, if payment of the charging fee is approved, the operating server 100 charges the payment approved charging money to the virtual account associated with the app (650).
FIG. 7 is a diagram illustrating a data network interworking process for withdrawing a cash of a virtual account associated with an app, without using a card, according to an embodiment of the present invention.
In more detail, FIG. 7 is a diagram illustrating a method of generating a one-time account number mapped to a housework account linked with an app on an operating server 100 based on an app driving signal transmitted from an app of a smartphone 145 via a data network, 7 is a flowchart illustrating a process of providing data to an application of the smartphone 145 through a network. Those skilled in the art will be able to refer to and / It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it will be appreciated that the invention may be practiced otherwise than as specifically described herein, The technical characteristics thereof are not limited.
Referring to FIG. 7, the smartphone 145 is downloaded and installed through the process of FIG. 2, and the application associated with the virtual account is activated (or is switched from the background state to the foreground state) (700). The app that is driven (or switched to the foreground) generates an app drive signal corresponding to the application (or foreground change) (705), transmits the app drive signal (710) via the data network, The operation server 100 receives the application driving signal via the data network (715).
The operation server 100 confirms the virtual account associated with the app based on the app driving signal (720). If the virtual account associated with the app is not confirmed, the operating server 100 generates a virtual account authentication error (725) and transmits the authentication error to the app of the smartphone 145 via the data network (730), and the smartphone 145 app receives and outputs the authentication error (735).
4, when the virtual account associated with the app is confirmed, the operation server 100 generates a unique disposable account number that does not overlap with the designated valid time period (740) (745) and transmits the disposable account number to the app of the smartphone 145 via the data network (750).
The app of the smartphone 145 receives the disposable account number via the data network (step 755), and outputs the disposable account number on the screen of the app (step 760). Preferably, the disposable account number is entered via the n-
FIG. 8 is a diagram illustrating an interworking process for a private network for withdrawing a cash of a virtual account associated with an app, without a card, according to an embodiment of the present invention.
More specifically, in FIG. 8, the n-
Referring to FIG. 8, the
The operation server 100 receives 820 the disposable account number and the password via the private network 820 and confirms 820 the virtual account mapped to the disposable account number (= associated with the app that outputs the disposable account number). If the virtual account that is mapped to the disposable account number (= associated with the app that printed the disposable account number) is not verified, the operating server 100 generates a virtual account authentication error 825, The n-
On the other hand, if a virtual account (mapped to the application outputting the one-time account number) that is mapped to the one-time account number is confirmed, the operation server 100 uses the password set in the virtual account, The validity is authenticated (840). If the password authentication fails, the operation server 100 generates a virtual account authentication error (825) and transmits the authentication error to the n-
On the other hand, when validating the password, the operating server 100 generates a valid authentication number for a specified valid period of time (845), maps the generated authentication number to the
FIG. 9 is a diagram illustrating a telephone network interlocking process for withdrawing a cash of a virtual account associated with an app, without a card, according to an embodiment of the present invention.
In more detail, FIG. 9 shows an authentication number mapped to the
9, the authentication number generated through the process of FIG. 8 is mapped to the n-
According to the embodiment of FIG. 9, the smartphone 145 confirms 910 that the entire contents of the message including the authentication number are requested to be output on the screen of the smartphone 145, The application of the smartphone 145 generates the background switching event of the app being output on the screen of the smartphone 145 when the entire content of the message is requested to be output, The background switching event of the application for outputting on the screen of FIG.
The application of the smartphone 145 constructs a background switching signal of the application in response to the background switching event 925 and transmits a background switching signal of the application via the data network 930, After receiving the background switching signal of the application via the data network in step 935 and transmitting the authentication number to the smartphone 145 via the telephone network, Time-series-related authentication to confirm that the background switching signal of the app has been received.
If the application being displayed on the screen of the smartphone 145 is switched to the background, the smartphone 145 outputs the authentication number included in the message on the screen (945). If the background switching process is omitted, the smartphone 145 may output the authentication number included in the received message via the telephone network (945).
FIG. 10 is a diagram illustrating a process of withdrawing a cash of a virtual account linked with an app through a multi-network interworking authentication according to an embodiment of the present invention without a card.
In more detail, FIG. 10 is a flowchart illustrating a method of authenticating a multi-network interworking performed through the processes of FIGS. 7 to 9 so that a charged money in a virtual account associated with an app of the smartphone 145 is transmitted to the multi- The present invention is not limited to the above-described embodiments, and various modifications and changes may be made to the present invention without departing from the spirit and scope of the present invention. It is to be understood that the present invention is not limited to the embodiment (s), but it is to be understood that the invention may be practiced otherwise than as specifically described herein, Technical features are not limited.
Referring to FIG. 10, the n-
The operation server 100 receives the authentication number (1010) via the private network and authenticates the validity of the authentication number received through the private network using the authentication number mapped to the nth ATM 150 (1015 ). If the validity of the authentication number is not authenticated, the operation server 100 generates a withdrawal error for the withdrawal request using the nth ATM 150 (step 1020), and transmits the withdrawal error to the nth ATM 150 (1025). The n-th ATM (150) receives and outputs the withdrawal error (1030).
Meanwhile, when the application of the smartphone 145 receiving the authentication number via the telephone network through the process of FIG. 9 transmits a background switching signal of the application via the data network, the operation server 100 transmits, Transmits an authentication number to the smartphone 145 via a data network, receives a background switching signal of an application running on the smartphone 145 through a data network, receives an authentication number from the
If the validity of the authentication number is authenticated and / or the time-series relation based on the multi-network interworking is authenticated, the operation server 100 checks the withdrawal request amount requested by the nth ATM 150 (step 1040) (1045) whether the withdrawal request amount is within the charging amount charged to the virtual account associated with the app through the processes of FIGS. 4 to 6. If the requested withdrawal amount exceeds the charging fee charged to the virtual account associated with the app, the operation server 100 generates a withdrawal error for the withdrawal request using the nth ATM 150 (step 1020) The n-
On the other hand, if the requested withdrawal amount is within the charging fee charged to the virtual account associated with the app, the operation server 100 approves withdrawal of the withdrawal request amount to the
100: Operational server 105: Virtual account opening part
110: virtual account management unit 115: virtual account charging unit
120: dedicated network processing unit 125: data network processing unit
130: telephone network processing unit 135: network interworking authentication unit
140: withdrawal approval procedure part 145: smart phone
150: ATM 155: App provision server
Claims (10)
A first step of checking an installed application downloaded to a user's smart phone through a data network, opening a virtual account linked with the app, and registering a password of the virtual account;
A second step of receiving an app driving signal for an app provided in a smartphone of a user associated with the virtual account through a data network;
And generates a unique one-time account number that is not duplicated for a specified valid period of time, maps the virtual account with the virtual account, and transmits the disposable account number corresponding to the app drive signal through the data network A third step of providing the disposable account number as an application of the smartphone;
A fourth step of receiving a one-time account number and a password input by a user through a private network from an nth (1? N? N) ATM out of N ATMs;
A fifth step of confirming the virtual account mapped with the one-time account number and authenticating the validity of the password received through the dedicated network through the password of the virtual account;
A sixth step of generating a disposable authentication number valid for a designated valid time and transmitting the authentication number to the smartphone through a message via a message center of a communication company via the telephone network;
A seventh step of receiving an authentication number corresponding to a message provided to the smartphone from the nth ATM via the telephone network via the dedicated network;
An eighth step of authenticating the validity of the authentication number received from the nth ATM via the dedicated network using the authentication number provided to the smartphone through the telephone network; And
And a step of accepting a request for withdrawal of a charging fee charged to the virtual account requested from the nth ATM.
After the virtual account is opened,
Confirming a settlement amount paid by the user for downloading the app at the time of downloading the app; And
Further comprising the step of charging the virtual account with a part of the confirmed payment amount or the payment amount.
After the virtual account is opened,
Confirming the amount of money deposited through the m (1? M? N) ATM for charging the virtual account;
And charging the virtual account with an amount of cash deposited through the m-th ATM.
After the virtual account is opened,
Confirming the payment approved amount through the card inserted into the m (1? M? N) ATM for charging the virtual account;
And charging the virtual account with the amount of the payment approved using the card inserted in the m-th ATM.
Further comprising the step of receiving a withdrawal request amount to be withdrawn from the virtual account from the nth ATM.
Further comprising the step of receiving a withdrawal request amount to be withdrawn from the virtual account from the nth ATM.
The sixth step may further include a step of mapping the generated authentication number to the nth ATM,
Wherein the eighth step authenticates the validity of the authentication number received through the dedicated network using the authentication number mapped to the nth ATM.
After sending the message to the smartphone via the telephone network,
Receiving a background switching signal of the app via the data network from an app of the smart phone that has received the message,
The eighth step may include sending the message to the smartphone via the telephone network, receiving the background switching signal of the app through the data network, and then receiving the authentication number from the nth ATM through the dedicated network And a step of authenticating the time-series relation based on the network interworking.
Wherein the application is received via the data network from an app of the smartphone in response to an event of switching the application in the background so as to output the contents of the message received by the smartphone via the telephone network to the screen of the smartphone Card cash withdrawal method using multi - network interworking authentication.
Wherein the authentication number included in the message is not exposed by the received message preview function of the smartphone.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020150082190A KR101775032B1 (en) | 2015-06-10 | 2015-06-10 | Method for Withdrawing Cash by Non-Card using Multiple Network Interworking Certification |
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| Application Number | Priority Date | Filing Date | Title |
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| KR1020150082190A KR101775032B1 (en) | 2015-06-10 | 2015-06-10 | Method for Withdrawing Cash by Non-Card using Multiple Network Interworking Certification |
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| KR20160145450A true KR20160145450A (en) | 2016-12-20 |
| KR101775032B1 KR101775032B1 (en) | 2017-09-05 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11657136B2 (en) | 2017-12-21 | 2023-05-23 | Bitstrata Systems Inc. | Secure association of an installed application instance with a service |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11657136B2 (en) | 2017-12-21 | 2023-05-23 | Bitstrata Systems Inc. | Secure association of an installed application instance with a service |
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| KR101775032B1 (en) | 2017-09-05 |
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