KR20160149597A - Security service method for financial transaction authentication using tele-banking - Google Patents

Security service method for financial transaction authentication using tele-banking Download PDF

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Publication number
KR20160149597A
KR20160149597A KR1020150086813A KR20150086813A KR20160149597A KR 20160149597 A KR20160149597 A KR 20160149597A KR 1020150086813 A KR1020150086813 A KR 1020150086813A KR 20150086813 A KR20150086813 A KR 20150086813A KR 20160149597 A KR20160149597 A KR 20160149597A
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South Korea
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information
user terminal
financial transfer
financial
transfer
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KR1020150086813A
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Korean (ko)
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KR102021779B1 (en
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김석태
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주식회사 우리은행
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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/313—User authentication using a call-back technique via a telephone network
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials

Abstract

The present invention provides a service method for securing financial transfer authentication using a system including a bank server having a user terminal and an ARS (Audio Response System) device, the method comprising the steps of: (a) (B) performing a call to the ARS device for a telebanking security approval request for the financial transfer information input in the step (a) through the user terminal; And (c) inputting transaction approval request information including a unique transaction code, user confirmation information, and pre-registered telebanking password for the corresponding financial transfer information generated at the request of the telebanking security approval through the user terminal, (D) transmitting transaction approval request information transmitted in the step (c) in association with the bank server through the ARS device (E) transmitting the financial transfer information and the financial transfer information transmitted in the step (d) through the user terminal to the user terminal; And (f) transferring the corresponding financial transfer according to a result of the checking of the financial transfer information and the depositor information transmitted in the step (e) through the ARS device. By executing this step, it is possible to prevent fraudulent transfer due to hacking and effectively protect the customer.

Description

TECHNICAL FIELD [0001] The present invention relates to a financial service authentication method using a telephone banking service,

FIELD OF THE INVENTION The present invention relates to a method of security service for financial transfer authentication using telebanking.

There are many diverse financial institutions in Korea and abroad, including banks, lenders, brokerage firms, investment trusts, credit card companies, and post offices. Many people are opening accounts at one or more financial institutions.

In addition, as transactions of real and financial transactions are actively made, the transfer of funds among accounts is frequently occurring. The transfer between the accounts refers to an act of transferring a specific amount between accounts between the same financial institutions.

Today, the spread of personal computers (PCs) and the spread of the Internet has led to the popularization of Internet use. In recent years, commercialization of a portable Internet service (for example, WiBro or WiMax), which is a wireless Internet service capable of accessing high-speed Internet even at a stop or low-speed moving due to quality and cost of ADSL level, .

In other words, the virtual world that is implemented on-line is becoming a sea of huge information that can easily and quickly share various information anytime, anywhere. With the popularization of the Internet, various financial transactions and commodities are being actively carried out through the Internet.

However, it is becoming more and more intelligent that hacking to infiltrate the computer system and extract information from the back side. Especially, hacking out user information is the most serious in that the order of electronic commerce can be destroyed.

Accordingly, the computer is provided with various security programs for preventing hacking from the outside through a network, for example, a keyboard security program for encrypting important data inputted by a user using a keyboard.

Meanwhile, as is well known, an operating system allows application programs to be connected to hardware in a computer, such as a memory or an interface (e.g., keyboard, monitor, LAN card, etc.). In other words, various application programs installed in the computer, that is, security programs, perform their functions based on the operating system.

If so, access to user information known to the operating system is given to a hacking program, there is no guarantee that any security program can safely protect the user's information.

As a result, according to the conventional security program, there is a problem that the user information inputted through the keyboard is not free from the risk of hacking. Of course, the user information can be protected by a virtual keyboard program that can input user information indirectly using a mouse. However, since the interface screen by this virtual keyboard is also output by the operating system, it can never be free from hacking through screen capture.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and it is an object of the present invention to provide an ARS (Audio Response System) telephony system for performing financial transfer through an electronic financial means such as an Internet banking or a smart banking application, The present invention is to provide a method of security service for financial transaction authentication using telebanking, which enables banking to be effectively used as a security measure for 2-channel authentication by preventing fraudulent transfer due to hacking and effectively protecting customers.

According to an aspect of the present invention, there is provided a service method for securing financial transfer authentication using a system including a bank server having a user terminal and an ARS (Audio Response System) Accessing the bank server through electronic financial means provided in the terminal and inputting financial transfer information; (b) performing a call to the ARS device for requesting a telebanking security authorization for the financial transfer information input in the step (a) through the user terminal; (c) inputting transaction approval request information including a unique transaction code, user confirmation information, and pre-registered telebanking password for the corresponding financial transfer information generated upon requesting the telebanking security approval through the user terminal, Transmitting; (d) interlocking with the bank server through the ARS device to determine whether transaction approval request information transmitted in the step (c) has been approved, and then transferring the corresponding financial transfer information and depositor information to a corresponding user terminal ; (e) confirming the corresponding financial transfer information and depositor information transmitted in the step (d) through the user terminal, and transmitting the result to the ARS device; And (f) executing the corresponding financial transfer according to the confirmation result of the corresponding financial transfer information and the depositor information transmitted in the step (e) through the ARS device. .

Preferably, in the step (a), the electronic financial means may be an Internet banking or a smart banking application.

Preferably, in the step (a), the financial transfer information may be a withdrawal account number, a withdrawal account password, a deposit bank, a deposit account number, and a transfer amount.

Preferably, after the step (a), the financial transfer information provided from the bank server through the electronic financial means provided in the user terminal and the financial transfer information inputted in the step (a) And a step of inquiring and confirming the depositor information.

Preferably, before the step (b), a selection menu for requesting approval of the banking security authorization for the financial transfer information input in the step (a) through the bank server is displayed on the screen of the user terminal The method comprising the steps of:

Preferably, in the step (c), the bank server generates a unique transaction code for the financial transfer information and transmits the unique transaction code to the user terminal when the banking security approval request is made through the user terminal.

Preferably, in step (c), the user confirmation information may be a user's resident registration number or a pre-registered telephone banking user number.

Preferably, in the step (c), the ARS apparatus sequentially transmits an automatic answering service to the ARS apparatus so that the unique transaction code, the user confirmation information, and the pre-registered telebanking password can be inputted sequentially through the user terminal Can be performed.

Preferably, in the step (d), the ARS device interoperates with the bank server and compares the transaction approval request information transmitted in the step (c) with the transaction approval request information previously stored in the database (DB) The transaction approval request is accepted, and the transaction approval request result including the financial transfer information and the depositor information can be transmitted to the corresponding user terminal by voice.

Preferably, in the step (f), when the ARS device confirms the corresponding transfer contents information as a result of the confirmation of the corresponding financial transfer information and the depositor information transmitted in the step (e), the ARS device executes the corresponding financial transfer A message may be displayed on the screen of the corresponding user terminal.

Preferably, in the step (f), when the ARS device confirms the corresponding financial transfer information and the depositor information transmitted in the step (e) as a result of discrepancy in transfer contents, the ARS device suspends transfer to the corresponding financial transfer A service can be provided so that a message indicating a transfer interruption result is displayed on the screen of the corresponding user terminal.

According to the bank transfer authentication security service method using tele banking of the present invention as described above, when the financial transfer is performed through electronic financial means such as Internet banking or smart banking application provided in the user terminal, an ARS ) By using telec banking as a security measure for 2-channel authentication, there is an advantage that it is possible to effectively protect customers by preventing fraudulent transfer due to hacking.

Also, according to the present invention, ARS telebanking, which can not be hacked, is used, so that a third party can not execute a financial transfer, ARS can confirm the contents of a financial transfer, thereby reducing the occurrence of an error transfer, , Since it makes a final transfer decision in telebanking, it is impossible to execute fraudulent transfer, and there is an advantage that it is impossible to leak information by using a telebanking password which is known only to the customer.

FIG. 1 is a block diagram of a system for implementing a bank transfer authentication security service method using telephone banking according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a general flowchart illustrating a method of security service for financial transfer authentication using tele banking according to an embodiment of the present invention.

The above and other objects, features, and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings, which are not intended to limit the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the following embodiments of the present invention may be modified into various other forms, and the scope of the present invention is not limited to the following embodiments. The embodiments of the present invention are provided to enable those skilled in the art to more fully understand the present invention. In the drawings, the same reference numerals are used to denote the same or similar elements.

FIG. 1 is a block diagram of a system for implementing a bank transfer authentication security service method using telephone banking according to an embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, a system for executing a bank transfer authentication service using tele banking according to an embodiment of the present invention includes a user terminal 100 and an ARS (Audio Response System) A bank server 200 and the like.

The user terminal 100 is connected to the bank server 200 and / or the ARS device 250 through the communication network 10 and is connected to the electronic banking unit (e.g., Internet banking or the like) (For example, a withdrawal account number, a withdrawal account password, a deposit bank, a deposit account number, a transfer amount, and the like) by accessing the bank server 200 through a smart banking application .

In addition, after the user terminal 100 makes a call to the ARS device 250 for requesting the approval of the telebanking security for the input financial transfer information, the user terminal 100 transmits the financial transfer information And transmits transaction approval request information including a unique transaction code, user confirmation information (e.g., a user's resident number or a pre-registered telephone banking user number) and a pre-registered telebanking password to the ARS device 250 do.

In addition, the user terminal 100 confirms the corresponding financial transfer information and depositor information transmitted from the ARS device 250, and then transmits the result to the ARS device 250.

On the other hand, the communication network 10 is a communication network that is a high-speed period network of a large communication network capable of a large-capacity, long-distance voice and data service. The communication network 10 is a next generation wireless network including WiFi, Wibro and Wimax for providing Internet or high- .

The Internet includes a plurality of services such as HTTP (Hyper Text Transfer Protocol), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP) A network server 200, a network server 200, a network server 200, a network server 300, a network server 300, a network server 330, RTI ID = 0.0 > and / or < / RTI > Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable Internet.

If the communication network 10 is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an example of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the drawing, the mobile communication network may include, for example, a radio network controller (RNC). Meanwhile, although the WCDMA network is described as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. The communication network 10 transmits signals and data between the user terminal 100, the bank server 200, and the ARS device 250.

The user terminal 100 is typically a computer such as a desktop PC or a notebook PC. However, the user terminal 100 is not limited to the computer, and may be connected to the bank server 200 and / or the ARS device 250 through the communication network 10. [ And may be any type of wired / wireless communication device capable of accessing various electronic financial transaction services.

For example, the user terminal 100 may include various mobile terminals communicating through a wireless Internet or a portable Internet, and may also include a Palm PC, a smart phone, a mobile play-station, All the wired / wireless home appliances / communication devices having a user interface for connecting to the bank server 200 and / or the ARS device 250 such as a DMB (Digital Multimedia Broadcasting) phone, a tablet PC, an iPad, It can mean.

In particular, when the user terminal 100 is implemented as a normal smart phone, the smart phone can download various application programs desired by the user unlike a general mobile phone (a feature phone) It is a phone based on an open operating system that can be deleted. It has not only all the functions of voice / video call and Internet data communication, but also mobile phone with mobile office function It is desirable to be understood as a communication device including all Internet phones or Tablet PCs.

Such an open-type operating system may include, for example, Symbian of NOKIA, BlackBerry of RIMS, iPhone of Apple, Microsoft's Windows Mobile, Google's Google Android, and Samsung's ocean.

As described above, since the smartphone uses an open operating system, a user can arbitrarily install and manage various application programs, unlike a mobile phone having a closed operating system.

That is, the smartphone basically includes a control unit, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a near field wireless communication module, and a battery for power supply.

The controller is a generic term for controlling the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional unit provided in the smart phone through a bus.

The controller controls the operation of the smartphone by loading at least one program code included in the smart phone into the execution memory through the processor and calculating the result by transmitting the result to the at least one functional unit through the bus .

The memory unit is a general term of a non-volatile memory included in a smart phone, and stores and maintains at least one program code executed through the control unit and at least one data set in which the program code is used. The memory unit basically stores a system program code and a system data set corresponding to an operating system of a smartphone, a communication program code and a communication data set for processing a wireless communication connection of the smartphone, at least one application program code and an application data set , And the program code and data set for implementing the present invention are also stored in the memory unit.

The screen output unit is composed of a screen output device (e.g., an LCD, an LED device) and an output module for driving the screen output device. The screen output unit is connected to the control unit through a bus, And outputs it to the device.

The key input unit is composed of a key input device having at least one key button (or a touch screen device interlocked with the screen output unit) and an input module for driving the key input unit. The control unit is connected to the control unit via a bus, Or inputs data necessary for the operation of the control unit.

The sound output unit includes a speaker for outputting a sound signal and a sound module for driving the speaker. The sound output unit is connected to the control unit through a bus, and outputs a result of operation corresponding to the sound output from the various operation results of the control unit through the speaker . The sound module decodes sound data to be output through the speaker and converts the sound data into a sound signal.

The sound input unit includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits the sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through the microphone.

The camera unit includes an optical unit, a CCD (Charge Coupled Device) and a camera module for driving the CCD unit, and obtains bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module is a collective term for communicating wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band. And transmits the calculation result corresponding to the wireless communication among the various calculation results of the control unit through the wireless communication or receives the data through the wireless communication and transmits the data to the control unit, , Communication, and handoff procedures.

Also, the wireless network communication module includes a mobile communication structure for performing at least one of connection, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to the CDMA / WCDMA standard. Meanwhile, according to the intention of those skilled in the art, the wireless network communication module may further include a portable Internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication, and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the communication module.

The short-range wireless communication module is composed of a short-range wireless communication module that connects a communication session using a radio frequency signal as a communication medium within a predetermined distance. Preferably, the short-range wireless communication module includes RFID communication, Bluetooth communication, Wi- And wireless communication. The short-range wireless communication module may be integrated with the wireless network communication module.

In particular, when the user terminal 100 applied to the embodiment of the present invention is implemented as a smart phone, the smart banking application program (e.g., Woori Bank smart banking, etc.) is downloaded through an App Store or the like Various electronic financial transaction services can be performed.

As described above, the smart banking application service installed in the smartphone can access the bank server 200 and / or the ARS device 250 and use various electronic financial transaction services such as a money transfer, a deposit / withdrawal inquiry service, and the like.

The bank server 200 is connected to the user terminal 100 through the communication network 10 and provides various electronic financial transaction services and manages the electronic financial transaction services as a whole. In particular, the bank server 200 inputs financial transfer information from the user terminal 100 And provides a service such that a selection menu for requesting approval of a telebanking security approval for the corresponding financial transfer information is displayed on the screen of the corresponding user terminal 100. [

The bank server 200 performs a function of providing a financial transfer reference service so that the user can inquire about the financial transfer information and depositor information inputted from the user terminal 100 before executing the financial transfer and confirm the information.

In addition, the bank server 200 generates a unique transaction code for the financial transfer information when the banking security approval request is received from the user terminal 100, and transmits the unique transaction code to the corresponding user terminal 100.

Also, the bank server 200 converts the financial transaction information input from the user terminal 100, the corresponding unique transaction code, the registered user confirmation information, and the telebanking password into a database (DB) DB).

Also, the bank server 200 includes an ARS device 250 for approval of the banking security. The ARS device 250 receives transaction approval request information from the user terminal 100, that is, Code, user confirmation information, and a pre-registered telebanking password sequentially.

In addition, the ARS device 250 determines whether or not the transaction approval request information transmitted from the user terminal 100 is approved in cooperation with the bank server 200, and then transmits the corresponding financial transfer information and depositor information to the ARS device 250 To the user terminal (100).

That is, the ARS device 250 compares the transaction approval request information transmitted from the user terminal 100 with the transaction approval request information previously stored in the database (DB) in cooperation with the bank server 200, It is preferable to accept the transaction approval and transmit the transaction approval request result including the financial transfer information and the depositor information to the corresponding user terminal 100 by voice.

Also, the ARS device 250 executes the corresponding financial transfer according to the confirmation result of the corresponding financial transfer information and the depositor information transmitted from the user terminal 100. As a result of checking the corresponding financial transfer information and the depositor information, It is possible to provide a service such that the execution result message is displayed on the screen of the corresponding user terminal 100. When the financial transfer information and the depositor information are confirmed, , The service can be provided so that the transfer of the financial transaction is stopped and a message of the transfer interruption result is displayed on the screen of the corresponding user terminal 100.

Although the ARS device 250 according to an embodiment of the present invention is implemented in the bank server 200, the ARS device 250 may be implemented separately from the bank server 200 It is possible.

Hereinafter, a bank transfer authentication service using a banking service according to an embodiment of the present invention will be described in detail.

FIG. 2 is a general flowchart illustrating a method of security service for financial transfer authentication using tele banking according to an embodiment of the present invention.

Referring to FIGS. 1 and 2, a banking authentication service using a telephone banking security service method according to an embodiment of the present invention includes an electronic banking service (for example, Internet banking or smart banking application Etc.) to enter the bank transfer information (for example, the withdrawal account number, the withdrawal account password, the depositing bank, the deposit account number, the transfer amount, etc.) (S100).

Thereafter, the ARS device 250 performs a call (e.g., 1588 - 5000) (S200) in order to request a telephone banking security approval for the financial transfer information input in the step S100 through the user terminal 100, A unique transaction code (e.g., three-digit number, etc.) for the corresponding financial transfer information generated at the time of requesting the telebanking security approval, user confirmation information (e.g., a user's resident registration number or a pre-registered telephone banking user number) Transaction approval request information including a telebanking password (e.g., six-digit number, etc.), and transmits the transaction approval request information to the ARS device 250 (S300).

At this time, in step S300, when the banking security approval request is made through the user terminal 100, the bank server 200 generates a unique transaction code for the corresponding financial transfer information and transmits the unique transaction code to the corresponding user terminal 100 Do.

In addition, in step S300, the ARS device 250 sequentially transmits an automatic answering service to the ARS device 250 to receive a unique transaction code, user confirmation information, and a pre-registered telebanking password for the corresponding financial transfer information through the user terminal 100 .

Then, it is determined whether or not the transaction approval request information transmitted in step S300 is interlocked with the bank server 200 through the ARS device 250, and then the corresponding financial transfer information and depositor information are checked To the user terminal 100 (S400).

At this time, in step S400, the ARS device 250 compares the transaction approval request information transmitted in step S300 with the transaction approval request information previously stored in the database (DB) in cooperation with the bank server 200 If it is the same, it is preferable that the transaction approval is accepted and the result of the transaction approval request made of the corresponding financial transfer information and the depositor information is transmitted to the corresponding user terminal 100 by voice.

Next, the corresponding financial transfer information and depositor information transmitted in step S400 are checked through the user terminal 100, and the result is transmitted to the ARS device 250 (S500).

Thereafter, the corresponding financial transfer is executed according to the result of the confirmation of the corresponding financial transfer information and the depositor information transmitted in the step S500 through the ARS device 250 (S600).

That is, when the ARS apparatus 250 determines in step S600 that the corresponding financial transfer information and the depositor information transmitted in step S500 are identical to each other (for example, when the number '1' is inputted) The user can provide a service such that the execution result message is displayed on the screen of the corresponding user terminal 100 after executing the financial transfer.

On the other hand, if it is confirmed by the transfer content mismatch result (for example, when the number '2' is inputted) as a result of checking the corresponding financial transfer information and depositor information transmitted in the step S500, the transfer is stopped for the corresponding financial transfer, And provide a service so that the result message is displayed on the screen of the corresponding user terminal 100. [

In addition, after step S100, the financial transfer information provided in step S100 before execution of the financial transfer using the financial transfer inquiry service provided from the bank server 200 through the electronic financial means provided in the user terminal 100, It may further include a step of inquiring and confirming the depositor information.

Further, before the step S200, a service for providing a selection menu for the request for approval of the telecommunication security approval for the financial transfer information inputted in the step S100 is displayed on the screen of the corresponding user terminal 100 through the bank server 200 The method further comprising the steps of:

Although the preferred embodiment of the method of security service for financial transfer using telephone banking according to the present invention has been described above, the present invention is not limited to this, It is possible to carry out the modification by branching, and this also belongs to the present invention.

100: user terminal,
200: bank server,
250: ARS device

Claims (11)

1. A service method for securing financial transfer authentication using a system including a bank server having a user terminal and an ARS (Audio Response System)
(a) accessing the bank server through electronic financial means provided in the user terminal and inputting financial transfer information;
(b) performing a call to the ARS device for requesting a telebanking security authorization for the financial transfer information input in the step (a) through the user terminal;
(c) inputting transaction approval request information including a unique transaction code, user confirmation information, and pre-registered telebanking password for the corresponding financial transfer information generated upon requesting the telebanking security approval through the user terminal, Transmitting;
(d) interlocking with the bank server through the ARS device to determine whether transaction approval request information transmitted in the step (c) has been approved, and then transferring the corresponding financial transfer information and depositor information to a corresponding user terminal ;
(e) confirming the corresponding financial transfer information and depositor information transmitted in the step (d) through the user terminal, and transmitting the result to the ARS device; And
(f) executing the corresponding financial transfer according to a result of the identification of the financial transfer information and the depositor information transmitted in the step (e) through the ARS device.
The method according to claim 1,
Wherein the electronic banking means comprises an Internet banking or a smart banking application in the step (a).
The method according to claim 1,
Wherein the financial transfer information includes a withdrawal account number, a withdrawal account password, a deposit bank, a deposit account number, and a transfer amount, in the step (a).
The method according to claim 1,
The method of claim 1, further comprising: after the step (a), transferring the financial transfer information and depositor information inputted in the step (a) before execution of the financial transfer using the financial transfer inquiry service provided from the bank server through the electronic financial means, Further comprising the step of checking and confirming the financial service authentication service using the telephone banking service.
The method according to claim 1,
Providing a service such that a selection menu for requesting approval of a banking security approval for the financial transfer information input at the step (a) through the bank server is displayed on the screen of the user terminal before the step (b) The method comprising the steps of: (a)
The method according to claim 1,
Wherein the bank server generates a unique transaction code for the financial transfer information and transmits the unique transaction code to the user terminal when the telebanking security approval request is made through the user terminal in step (c) Method of transfer authentication security service.
The method according to claim 1,
Wherein the user confirmation information comprises a user's resident registration number or a pre-registered telephone banking user number in step (c).
The method according to claim 1,
In the step (c), the ARS device performs an automatic answering service so that the unique transaction code, the user confirmation information, and the pre-registered telebanking password can be inputted sequentially through the user terminal The method comprising the steps of:
The method according to claim 1,
In the step (d), the ARS device compares the transaction approval request information transmitted in the step (c) with the transaction request information previously stored in the database (DB) in cooperation with the bank server, Accepts the transaction approval, and transmits a transaction approval request result including the corresponding financial transfer information and the depositor information to the corresponding user terminal by voice.
The method according to claim 1,
In the step (f), when the ARS device confirms the corresponding transfer content information as a result of the confirmation of the corresponding financial transfer information and the depositor information transmitted in the step (e), the ARS device executes the corresponding financial transfer, And providing a service to be displayed on the screen of the user terminal.
The method according to claim 1,
In the step (f), when the ARS device confirms the transfer of the financial transfer information and the depositor information transmitted in the step (e), it discontinues the transfer to the corresponding financial transfer, Message is displayed on the screen of the corresponding user terminal. ≪ Desc / Clms Page number 20 >
KR1020150086813A 2015-06-18 2015-06-18 Security service method for financial transaction authentication using tele-banking KR102021779B1 (en)

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JP2007249892A (en) * 2006-03-20 2007-09-27 Fujitsu Ltd User verification method
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KR20140046911A (en) * 2012-10-11 2014-04-21 김병오 Financial withdrawal system for check certification .
KR101489755B1 (en) 2014-05-15 2015-02-12 (주)비바리퍼블리카 Financial service method and system for real electronic funds transfer from separating electronic information for deposit and withdrawal
KR20150022968A (en) * 2015-02-11 2015-03-04 주식회사 옐로페이 Remittance method and service system using name and phone number of payee
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JP2007249892A (en) * 2006-03-20 2007-09-27 Fujitsu Ltd User verification method
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KR20140046911A (en) * 2012-10-11 2014-04-21 김병오 Financial withdrawal system for check certification .
KR20150034863A (en) * 2013-09-25 2015-04-06 주식회사 비즈모델라인 Method for Providing Transacting Linked Authentication Code
KR101489755B1 (en) 2014-05-15 2015-02-12 (주)비바리퍼블리카 Financial service method and system for real electronic funds transfer from separating electronic information for deposit and withdrawal
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