KR20170005718A - Apparatus for an account transfer service and method thereof - Google Patents

Apparatus for an account transfer service and method thereof Download PDF

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Publication number
KR20170005718A
KR20170005718A KR1020150096159A KR20150096159A KR20170005718A KR 20170005718 A KR20170005718 A KR 20170005718A KR 1020150096159 A KR1020150096159 A KR 1020150096159A KR 20150096159 A KR20150096159 A KR 20150096159A KR 20170005718 A KR20170005718 A KR 20170005718A
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KR
South Korea
Prior art keywords
transfer
approver
information
server
depositor
Prior art date
Application number
KR1020150096159A
Other languages
Korean (ko)
Inventor
조경호
Original Assignee
조경호
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 조경호 filed Critical 조경호
Priority to KR1020150096159A priority Critical patent/KR20170005718A/en
Publication of KR20170005718A publication Critical patent/KR20170005718A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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
    • 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 relates to an apparatus and method for providing a money transfer service, and more particularly, to an apparatus and method for providing a money transfer service, comprising: a receiving unit for receiving data; A transmitter for transmitting data; And a control unit for transferring transfer information on the depositor to receive information on transfer approval or disapproval decision determined by an approver who has authorization to transfer money to the depositor, and to perform transfer according to information on transfer approval.

Description

[0001] APPARATUS FOR ACCOUNT TRANSFER SERVICE AND METHOD THEREOF [0002]

The present invention relates to an apparatus and method for providing a bank transfer service, and more particularly, to an apparatus and method for providing a bank transfer service by enhancing security.

Recently, due to the development of information and communication technology, financial transactions have become active, and a user can conveniently receive a transfer service using a terminal such as a smart phone without visiting a financial institution directly. However, the damage caused by financial fraud such as voice phishing is increasing. For example, the financial damage to the youth and the elderly is increasing.

Although we are trying to develop security technology to prevent such financial fraud, hacking technology is also developing and new methods of voice phishing are emerging to prevent financial fraud. Especially, There is a need for measures.

The present invention relates to an apparatus and method for securely providing a money transfer service by enhancing security.

The present invention also relates to an apparatus and a method for securely providing a money transfer service through approval of a third party upon transfer of money.

The present invention provides a data processing apparatus comprising: a receiving unit for receiving data; A transmitter for transmitting data; And a control unit for transferring the transfer information on the depositor to receive information on whether or not the transfer is approved by an approver having permission to transfer the transfer to the depositor and to perform the transfer according to the information on whether the transfer is approved will be.

Here, the control unit may perform the transfer according to the information on whether or not to approve the transfer when the authentication of the approver is successful.

In addition, the control unit may send approver information including at least one of the name, address, resident registration number and telephone number of the approver to allow the approver to approve the transfer of the remitter.

According to another aspect of the present invention, A transmitter for transmitting data; A transferring unit for transferring the transfer information about the transferring party to receive information on transfer approval from the approver and transferring information on transfer approval transferring the transferred transfer information to the transferring unit, And a control unit for causing the control unit to perform the operation.

Here, the control unit may transmit the information on whether or not to approve the transfer when the authentication of the approver is successful.

In addition, the transfer information may include at least one of a banker, an account number of the banker, a receiver, an account number of the receiver, a bank name in which the account number of the receiver is opened, and a transfer amount.

Further, the control unit may select the approver according to the request of the depositor, and may determine the approver when the authentication of the approver is successful.

In addition, the control unit may determine a plurality of the approvers, and may determine whether to approve the approvers according to the priority order.

Since the present invention requires the approval of a third party when transferring money, it is possible to prevent a wrong account transfer that may occur due to voice phishing or the like, thereby enabling secure account transfer. In addition, when funds management by other persons such as juveniles and elderly people is required, the person having the authority of the fund management can have the approval authority, and efficient management is possible.

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a diagram showing a configuration of a money transfer system according to an embodiment of the present invention; Fig.
2 is a diagram showing a configuration of a money transfer system according to another embodiment of the present invention.
3 is a diagram showing a configuration of a first terminal of a money transfer system according to an embodiment of the present invention;
4 is a diagram showing a configuration of a first server of a money transfer system according to an embodiment of the present invention;
5 is a diagram for explaining an account transfer acceptance method according to an embodiment of the present invention.
6 is a flowchart illustrating an operation of a first server according to an embodiment of the present invention.
FIG. 7 is a flowchart illustrating an operation of a second server according to an embodiment of the present invention; FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. 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.

1 is a diagram showing a configuration of a money transfer system 10 according to an embodiment of the present invention.

1, the account transfer system 10 of the present invention includes a first terminal 100, a second terminal 130, a first server 110, a second server 120, and a third server 140, .

The first terminal 100 receives the transfer information necessary for the transfer such as the recipient, the account number of the recipient, the bank name where the account number of the recipient is opened, the transfer amount, etc., send. At this time, the first terminal may be a PC, an ATM, a mobile phone, or the like. In the case of a PC, a home page for Internet banking may be displayed. In the case of a mobile phone, an application for transfer may be displayed. In addition, the depositor can generate a user ID and a password for performing the transfer in advance, and the first server 110 can perform the transfer when the user ID and the password match.

When the first server 110 receives the transfer information from the first terminal 100, it transfers the received transfer information to the second server 120. When the first server 110 receives the transfer information from the second server 120 And transfers the information to the third server 140 according to information on whether or not to approve the transfer. The first server 110 transmits information on the completion of the transfer to the first terminal 100 after the completion of the transfer. If the approver can not perform the transfer because the approval is not approved, the first server 110 transmits the reason to the first terminal 100 ). The first server 110 may be a server of a financial institution in which an account holder has opened an account. The first server 110 may confirm transfer of the transfer information to the second server 120 after confirming that the user is a legitimate user for the account. Also, the first server 110 may transmit to the second server 120 the approver information having authority to approve the account transfer of the depositor.

When the second server 120 receives the transfer information from the first server 110, the second server 120 transmits the transfer information to the second terminal 130, receives the information on whether or not the transfer is approved from the second terminal 130, To the first server (110). To this end, the second server 120 may manage the approver information such as the name, address, resident registration number, and telephone number of the approver who is authorized to approve the account transfer of the depositor from the first server 110 to correspond to the depositor . The second server 120 may be a server of a separate institution in addition to the financial institution in which the bank has opened the account.

The second terminal 130 displays the transfer information to be transferred by the depositor, such as the depositor, the recipient, the name of the bank where the transfer account is opened, the name of the bank where the account of the recipient is opened, the transfer amount, And the like. If the second terminal 130 receives the information on whether or not to approve the transfer from the approver, the second terminal 130 transmits information on the transfer approval to the second server 120.

The third server 140 may receive the transfer amount from the first server 110 and correspond to a server of the financial institution in which the recipient opened the account.

2 is a diagram showing a configuration of a money transfer system 20 according to another embodiment of the present invention.

2, the account transfer system 20 according to another embodiment of the present invention includes a first terminal 100, a first server 110, a second terminal 130, and a third server 140 The first server 110 may perform the functions of the second server 120, while performing the operations as described above.

Specifically, the first server 110 manages the approver information to correspond to the depositor, and upon receiving the transfer information for transfer from the first terminal 100, the first server 110 transfers the received transfer information to the second terminal 130, Lt; / RTI > Upon receiving the information on whether or not the transfer is permitted from the second terminal 130, the transfer is performed to the third server 140 according to the information on whether or not the transfer is permitted.

Hereinafter, the first server 110 and the second server 120 will be described separately according to an embodiment of the present invention. However, according to another embodiment of the present invention, when the first server 110 is connected to the second server 120, Can be performed.

3 is a diagram showing a configuration of a first terminal 100 of the money transfer system 10 according to an embodiment of the present invention.

Hereinafter, the configuration of the first terminal 100 will be described, but the second terminal 130 may have the same or similar configuration as that of the first terminal 100. [

Referring to FIG. 3, the first terminal 100 of the present invention includes an input unit 300, a display unit 310, a transmitter 320, a receiver 330, and a controller 340.

The input unit 300 may receive data from a user, the display unit 310 may display data, and the input unit 300 and the display unit 310 may include a touch panel or a touch screen.

The transmitting unit 320 transmits the data and the receiving unit 330 receives the data. For example, the transmitting unit 320 transmits the transfer information to the first server 110. The receiving unit 330 transmits the transfer information to the first server 110, It is possible to receive the information on the completion of the transfer. The transmitting unit 320 and the receiving unit 330 may be connected to a wireless communication system such as Bluetooth, Wi-Fi, WIBRO, 3G (WCDMA), Long Term Evolution (LTE) Four Generation) communication method and the like.

Upon receipt of the transfer information from the depositor, the control unit 340 controls the first terminal 100 to transfer the transfer information to the first server 110 as a whole.

4 is a diagram showing the configuration of the first server 110 of the money transfer system 10 according to the embodiment of the present invention.

Although the configuration of the first server 110 will be described below, the second and third servers 120 and 140 may have the same or similar configuration as the first server 110. [

Referring to FIG. 4, the first server 110 of the present invention includes a receiving unit 400, a transmitting unit 410, and a control unit 420.

The receiving unit 400 receives the data and the transmitting unit 410 transmits the data. For example, the receiving unit 400 receives the transfer information from the first terminal 100, and the transmitting unit 410 performs the transfer completion To the first terminal (100). The receiving unit 400 and the transmitting unit 410 may be connected to each other by a wired communication method as well as Wi-Fi, WIBRO, 3G, WCDMA, LTE and 4G Method, or the like.

The control unit 420 controls the first server 110 as a whole such that the control unit 420 performs transfer to the third server 140.

FIG. 5 is a diagram for explaining a bank transfer acceptance method according to an embodiment of the present invention.

In the present invention, the first or second server 110 or 120 manages the approver information such as the name, address, resident registration number, and telephone number of the approver to correspond to the depositor. When the remitter selects the approver, the first or second server 110 or 120 The selected approver can be informed that the depositor has selected it as the approver, and can decide to approve the transfer if the approver agrees and has successfully performed the approver authentication.

The first server 110 transmits the approver information to the second server 120 and the second server 120 transmits the approver information to the second terminal 130. [ And the like. The second terminal 130 displays information on approver selection to the approver, and if the approver agrees, the second server 120 performs approver authentication. At this time, the authentication method can use approval using a public certificate, approval after setting a password, approval of fingerprint recognition, acknowledgment of iris recognition, recognition of face recognition, and the like. When the authentication is completed, the second server 120 transmits the authentication result to the first server 110. If the authentication fails, the first server 110 causes the remittee to newly select the approver.

In addition, the approver may be selected according to the request of the depositor, or if the depositor has special circumstances such as juveniles or the elderly, if the predetermined relationship between the depositor and the approver is recognized, the approval may be decided upon the request of the approver. At this time, the predetermined relationship is, for example, a person who can legitimately represent the banker, and may consider family relationships such as parents, brothers, and the like. Further, when a banker opens a plurality of accounts, an approver can be determined for each account, or an approver can be determined for a banker regardless of the number of accounts, or a plurality of different approvers can be determined. If there is more than one approver, the priority can be set between the approvers, and the next approver can decide whether to approve the response if there is no response from the higher priority approver. At this time, if there is a response such as a high-priority approver approves or does not approve, it may not be necessary to approve the subordinate approver.

Referring to FIG. 5, a method of approving a transfer of an approver will be described. When a banker inputs transfer information and applies for a transfer request, the first or second server 110 or 120 transfers the bank name, (500), such as the name of the bank where the account of the recipient is opened, the transfer amount, and the like, to the second terminal 130. The second terminal 130 displays the transfer information to the approver 510, and if the approver inputs information about whether or not to approve the transaction 520, the second terminal 130 requests the input of a preset password for approver authentication, (530). ≪ / RTI > At this time, if there is no response from the approver within a predetermined time, it can be regarded that the approval is not made. In addition, if there is more than one approver, if there is no response from the senior approver, it may be approved by the next approver.

6 is a flowchart illustrating an operation of the first server 110 according to an embodiment of the present invention.

Referring to FIG. 6, when the depositor selects an approver, the approver information is transmitted to the second server 120 (600) and the approver authentication result is received from the second server 120 (610). If the authentication fails No in 610) Have the depositor choose a new approver.

On the other hand, if the approver authentication is successful (Yes in 610), the approver is determined. If the remitter inputs the transfer information to the first terminal 100, the first server 110 transmits the transfer information (630). The first server 110 transmits the received transfer information to the second server 120 in operation 640 and receives information on the approval or disapproval from the second server 120 in operation 650, And transfers it to the third server 140 according to the information (660).

7 is a flowchart for explaining the operation of the second server 120 according to an embodiment of the present invention.

7, when the approver information is received from the first server 110 (700), the second server 120 transmits to the second terminal 130 the information on approver selection indicating that the remitter has selected the approver (710). If the approver agrees to the approver selection, the approver authentication is performed and the authentication result is transmitted to the first server 110 (720).

After the approver authentication is successfully completed, the second server 120 transmits the received transfer information to the second terminal 130 (740) upon receiving the transfer information from the first server 110 (730). When the information about the approval or disapproval is received from the second terminal 130 (750), approver authentication is performed (760), and information about approval or disapproval is transmitted to the first server 110 (770).

While the invention has been shown and described with reference to certain preferred embodiments thereof, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the spirit and scope of the invention.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims, and equivalents thereof.

100: first terminal 110: second terminal
120: second terminal 130: server
140: Billing institution server

Claims (8)

An apparatus for providing a bank transfer service,
A receiver for receiving data;
A transmitter for transmitting data;
And a control unit for transferring the transfer information on the depositor to receive information on whether or not transfer approval has been made by an approver having permission to transfer money to the depositor, and to perform transfer according to the information on whether the transfer is approved. The method according to claim 1,
Wherein the control unit performs the transfer according to the information on whether the transfer is approved when the authentication of the approver is successful. The method according to claim 1,
Wherein the controller transmits approver information including at least one of a name, an address, a resident registration number, and a telephone number of the approver to allow the approver to approve the transfer of the remitter. An apparatus for providing a bank transfer service,
A receiver for receiving data;
A transmitter for transmitting data;
And the information on whether or not the transfer is permitted is managed by receiving the information on whether or not the transfer is approved from the approver by transferring the transfer information on the transfer person, So as to perform the transfer. 5. The method of claim 4,
Wherein the control unit transmits information on whether or not to approve the transfer when the authentication of the approver is successful. The method according to claim 1 or 4,
Wherein the transfer information includes at least one of a depositor, an account number of the depositor, a recipient, an account number of the recipient, a bank name in which the account number of the recipient is opened, and a transfer amount. The method according to claim 1 or 4,
Wherein the controller selects the approver according to the request of the depositor and determines the approver when the authentication of the approver is successful. The method according to claim 1 or 4,
Wherein the control unit can determine a plurality of the approvers, and determine whether to approve the approvers according to priorities.
KR1020150096159A 2015-07-06 2015-07-06 Apparatus for an account transfer service and method thereof KR20170005718A (en)

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KR1020150096159A KR20170005718A (en) 2015-07-06 2015-07-06 Apparatus for an account transfer service and method thereof

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KR1020150096159A KR20170005718A (en) 2015-07-06 2015-07-06 Apparatus for an account transfer service and method thereof

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102245530B1 (en) * 2020-04-27 2021-04-27 윤성민 International Digital Currency Management system and method thereof
WO2021225327A1 (en) * 2020-05-04 2021-11-11 Yoon Seong Min Currency exchange management computer, foreign currency exchange system, and method therefor
GB2610496A (en) * 2020-01-14 2023-03-08 Min YOON Seong Computer and operating system for international digital currency conversion management, and method therefor

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2610496A (en) * 2020-01-14 2023-03-08 Min YOON Seong Computer and operating system for international digital currency conversion management, and method therefor
KR102245530B1 (en) * 2020-04-27 2021-04-27 윤성민 International Digital Currency Management system and method thereof
WO2021221371A1 (en) * 2020-04-27 2021-11-04 Yoon Seong Min Computer and operating system for international digital currency conversion management, and method therefor
WO2021225327A1 (en) * 2020-05-04 2021-11-11 Yoon Seong Min Currency exchange management computer, foreign currency exchange system, and method therefor
GB2615386A (en) * 2020-05-04 2023-08-09 Min YOON Seong Currency exchange management computer, foreign currency exchange system, and method therefor

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