KR20170098528A - Method and System for Providing Remittance Transaction by using Short Message Service - Google Patents

Method and System for Providing Remittance Transaction by using Short Message Service Download PDF

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Publication number
KR20170098528A
KR20170098528A KR1020160020552A KR20160020552A KR20170098528A KR 20170098528 A KR20170098528 A KR 20170098528A KR 1020160020552 A KR1020160020552 A KR 1020160020552A KR 20160020552 A KR20160020552 A KR 20160020552A KR 20170098528 A KR20170098528 A KR 20170098528A
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KR
South Korea
Prior art keywords
remitter
remittance
recipient
mobile phone
application page
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KR1020160020552A
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Korean (ko)
Inventor
김원혁
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주식회사 이츠모아
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Priority to KR1020160020552A priority Critical patent/KR20170098528A/en
Publication of KR20170098528A publication Critical patent/KR20170098528A/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
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/30—Transportation; Communications
    • G06Q50/32—Post and telecommunications
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements

Abstract

The present invention relates to a remittance transaction method and system using a text message, and a remittance transaction method using a text message according to the present invention is a method executed through a server capable of communicating with a mobile phone, A first step of confirming a first text message received via a telephone network including a character string of an inputted remitter, the text message being received at a designated representative telephone number, and displaying the character string of the remitter in one side area and making a remittance application for the remitter A second step of generating and storing a second text message including a connection address of the remittance application page and transmitting the second text message to the remitter phone through a telephone network; After receiving the second text message through the data network, A third step of providing the remittance application page to a remitter phone connected to the remitter's access address of the remitter; and a third step of receiving the remittance application page and receiving the remittance application page from the remitter phone, Receiving a remittance application including the remittance amount and the remittee's mobile phone number, the remittance being written in the one-sided area; and receiving the remittance application interface for creating the remittance application for the remittee, A fifth step of generating and storing a subscription page, generating a third text message including a connection address of the subscription application page, and transmitting the third text message to a recipient's mobile phone corresponding to the recipient's mobile phone number through a telephone network; After receiving the third text message, The method comprising the steps of: receiving the acceptance application page and providing the acceptance application page to the recipient's mobile phone connected to the recipient's access address; A seventh step of receiving the created receipt application, and an eighth step of finally executing remittance of the remittance amount by combining the remittance application and the receipt application.

Description

TECHNICAL FIELD [0001] The present invention relates to a remittance transaction method and system using a text message,

The present invention provides a remittance transaction between a remitter and a remittee by using a text message exchanged via a telephone network, in which a sender exchanges a character string freely entered through a text message in an initial transaction request with an authenticator, To provide a remittance transaction without misunderstanding of smsing by

Recently, a service has been proposed in which, when a remitter inputs a remittee's mobile phone number to request a remittance transaction, the remitter requests remittance to the remittee's mobile phone and provides a remittance transaction based on the information input through the remittee's mobile phone Open Publication No. 10-2012-0132729 (2012.12.10)).

In the case of the conventional mobile phone number-based remittance transaction, the recipient does not need to register first, but the remitter must first register as a member and install the app and apply for a remittance transaction. Due to the inconvenience of installing the remitter's app and membership, Is activated.

Also, in the case of a conventional mobile phone number-based remittance transaction, a text message is sent to the remittee in order to request the remitter to receive the remittance transaction requested by the remitter. Recently, smishing, text messaging (SMS) , Most users do not check the text message of anyone who is the sender when receiving a text message containing a URL link, and even if they click on the URL link even if they check it Very rare. As a result, such a smoothing problem prevents activation of a mobile phone number-based remittance transaction, but the proposed method has a difficult problem in providing a mobile phone number-based remittance transaction while solving such a smoothing problem.

It is an object of the present invention to overcome the above-mentioned problems, and it is an object of the present invention to provide a reminder-type mobile phone, in which a sender's mobile phone generates a text message including a string of remitter's free- By specifying the mobile phone that sent the text message to the designated representative phone number as the representative telephone number, it is possible to specify the remittance transaction method using the text message that provides the remittance transaction without installing a separate app on the remitter's mobile phone System.

It is another object of the present invention to provide a reminder-type mobile phone that, when a remitter sends a text message including a character string of a remitter who freely inputs remittance, The text of the text message received through the telephone network in the process of receiving the remittance related page by the remitter and the remittee both by the remittance application page provided to the remitter's mobile phone and / And to recognize that the contact address included in the received address is a legitimate contact address related to a remittance transaction other than a spaming address.

Another object of the present invention is to provide a remittance application form through a remittance application page on a remitter's handset and to provide a remittance application form including a hash value designated from a remitter's handset on a separate telephone network accessible from the remitter's handset, The present invention provides a remittance transaction method and system using a text message that receives a text message and authenticates the legitimacy of a remittance application received through the data network and provides a remittance transaction.

It is still another object of the present invention to provide a method and system for transmitting and receiving a hash value from a recipient's handset via a separate telephone network accessible from a recipient's handset, Receiving a text message, authenticating the legitimacy of the receipt application received through the data network, and providing a payment transaction.

A remittance transaction method using a text message according to the present invention is a method of executing remittance through a server capable of communicating with a mobile phone, the remittance transaction method comprising the steps of: A first step of confirming the received first text message, a remittance application page including a remittance application interface for displaying the remitter's character string in the one-side area and creating the remittance application form of the remitter, A second step of generating a second text message including a connection address of the remittance application page and sending the second text message to the remitter phone via the telephone network; The remittance application page to the remitter's mobile phone accessing the remittance application page And a third step of receiving the remittance application page and transmitting the remittance application form including the remittance amount and the remitter's mobile phone number, which is created through the remittance application page through the data network from the remitter's mobile phone exposed to the string of the remitter, And displaying a character string of the remitter on the one-side area and generating an acceptance application interface for creating an acceptance application for the remittee, and storing the acceptance application page as a connection address of the acceptance application page And a third step of generating and sending a third text message including the received text message to the recipient's mobile phone corresponding to the recipient's mobile phone number via the telephone network, receiving the third text message via the telephone network, The recipient's mobile phone accessing the connection address of the page A seventh step of receiving the acceptance application page and receiving the acceptance application created through the acceptance application page through the data network from the recipient's handset exposed to the string of the remitter by receiving the acceptance application page; And an eighth step of finally executing remittance of the remittance amount by combining the receipt application.

According to the present invention, in the remittance transaction method using the text message, when generating the remittance application page, a hash value (1) obtained by hashing the information including the character string of the remitter included in the first text message by a specified hash algorithm, , And including the information including the generated hash value (1) in the remittance application page. Meanwhile, the hash value (1) may include a hashed value including the mobile number of the remitter on the remitter's side.

According to the present invention, the second text message may include the string of the remitter.

According to the present invention, the remittance application page further includes a real name confirmation interface for confirming the real name of the remitter, and after providing the remittance application page to the remitter's mobile phone, And performing a blindness check procedure of FIG.

According to another aspect of the present invention, there is provided a remittance transaction method using a text message, the remittance transaction method comprising the steps of: confirming a mobile phone number of a remitter who has transmitted the first text message upon confirming the first text message; A step of assigning or confirming a remitter-side disposable destination number for receiving the second-letter text message from the remitter phone, mapping the remitter's mobile phone number to the remitter's disposable destination number, And sending the second-1 < th > terminal message through the telephone network to the remitter-side disposable caller number as the receiver side. The fourth step includes checking a second-1 text message received from the remitter's mobile phone number mapped to the remitter-side disposable destination number to the remitter-side disposable destination number via the telephone network, Authenticating the validity of the hash value (2) using at least one of information included in the remittance application page and information included in the remittance application; As shown in FIG. Meanwhile, the remittance application page may include a hash value (1) hash of information including the string of the remitter, and the hash value (2) may include the hash value (1). The remittance application page includes a hash value (1) of hashing information including the string of the remitter, and the hash value (2) includes at least one information included in the remittance application and the hash value (1) May be hashed with the specified hash algorithm. Meanwhile, the hash value (2) may include a value obtained by hashing at least one information included in the remittance application with a specified hash algorithm.

According to the present invention, the fourth step includes the steps of confirming or creating the temporary account of the remitter based on the remittance application form, withdrawing the remittance amount from the remitter account of the remittance application, And further performing a deposit process. A step of confirming or creating a temporary account of the verified recipient upon confirming the real name of the recipient through the recipient's mobile phone provided with the receipt application page; a step of checking the remittance amount deposited in the temporary account of the remitter, And a second depositing process to the account. The eighth step may further include a third step of depositing a remittance amount secondarily deposited in the temporary account of the remittee to the remittee account corresponding to the remittance application.

According to another aspect of the present invention, there is provided a remittance transaction method using a text message, comprising the steps of: generating a hash value (3) obtained by hashing the information including the string of the remitter with a specified hash algorithm, And including the information including the generated hash value (2) in the application page. Meanwhile, the hash value (3) may include the hash value including the mobile number of the recipient.

According to the present invention, the third text message may include a character string of the remitter.

According to the present invention, in the remittance transaction method using the text message, the receipt application page further includes a real name confirmation interface for confirming the real name of the recipient, and after the receipt application page is provided to the recipient's handset, And performing a blind date confirmation process of the recipient in cooperation with the blind date confirmation interface of the page.

According to another aspect of the present invention, there is provided a remittance transaction method using a text message, the method comprising the steps of: accepting or confirming a disposer-use disposable number for receiving the 3-1 text message from the remittee- Further comprising the step of mapping the recipient's mobile phone number and the recipient's disposable recipient number to a recipient's disposable recipient number on the recipient's application page and sending a third- The method comprising: The seventh step includes checking a third character message received from the recipient's mobile phone number mapped to the recipient's disposable caller number to the recipient's disposable caller number via the telephone network, Authenticating the validity of the hash value (4) using at least one of the information contained in the receipt application page and the information contained in the receipt application; As shown in FIG. On the other hand, the receipt application page includes a hash value (3) hash of information including the string of the remitter, and the hash value (4) may include the hash value (3). Meanwhile, the receipt application page includes a hash value (3) of hashing information including the character string of the remitter, and the hash value (4) includes at least one information included in the receipt application and the hash value (3) May be hashed with the specified hash algorithm. Meanwhile, the hash value (4) may include a value obtained by hashing at least one information included in the receipt application with a specified hash algorithm.

Meanwhile, a remittance transaction system using a text message according to the present invention is a system implemented through a server capable of communicating with a mobile phone. The remittance transaction system includes a character string of a remitter inputting remittance by a remitter, And a remittance application interface for displaying the character string of the remitter on the one side area and preparing the remittance application form of the remitter, A second message sending unit for generating a second text message including a connection address of the remittance application page and sending the generated second text message to the remitter phone via the telephone network; After the text message is received, the data is transmitted to the connection address of the remittance application page A remittance page providing unit for providing the remittance application page to a remitter's mobile phone belonging to the remitter's mobile phone; a remittance page providing unit for receiving the remittance application page, And an acceptance application page for displaying a character string of the remitter on the one-side area and creating an acceptance application for a recipient, and a payment application page A third message transmission unit for generating a third text message including a connection address of the reception application page and sending the third text message to a recipient's mobile phone corresponding to the recipient's mobile phone number through a telephone network; After receiving the third text message through A receiving page providing unit configured to receive the receiving application page from a recipient's mobile phone connected to a connection address of the receiving application page through a network, A receipt application receiving unit for receiving the receipt application created through the receipt application page through the payment receipt application page and a remittee side transaction unit for finally executing remittance of the remittance amount by combining the remittance application form and the receipt application form.

According to the present invention, when a sender-side mobile phone generates a text message including a character string of a remitter who has freely entered a remitter, and sends the text message to a designated representative telephone number through the telephone network, By specifying it with a mobile phone, there is an advantage of providing a remittance transaction without installing a separate app on the remitter's mobile phone.

According to the present invention, when a sender sends a text message including a character string of a remitter who freely inputs a remitter, the remitter specifies the mobile phone that sent the text message to the remitter phone, Is exposed to the remittance application page provided to the remitter's mobile phone and / or the payment application page provided to the remittee's mobile phone, thereby providing the remitter and the remitter with a remittance transaction without any misunderstanding of the sms.

According to the present invention, when a remittance application form is created through a remittance application page on a remitter's mobile phone, a text message containing a hash value designated from the remitter's mobile phone via a separate telephone network accessible from the remitter's mobile phone And authenticating the legitimacy of the remittance application received through the data network, it is possible to provide a remittance transaction safely and conveniently without installing a separate app or security module in the remitter's mobile phone.

According to the present invention, when a recipient application forms a receipt application through a receipt application page on a recipient's mobile phone, a text message including a hash value designated from the recipient's mobile phone is transmitted through a separate telephone network accessible from the recipient's mobile phone And authentication of the received application received through the data network is authenticated, there is an advantage that the remittance transaction can be provided safely and conveniently without installing a separate application or a security module in the recipient's mobile phone.

1 is a diagram illustrating a configuration of a remittance transaction system using a text message according to an embodiment of the present invention.
2 is a diagram illustrating a process of exchanging a text message with a remitter's mobile phone for a remittance transaction according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating a method for transmitting remittance according to an embodiment of the present invention by providing a remittance application page to a remitter's mobile phone and receiving a remittance application
Fig.
4 is a diagram illustrating a remitter-side transaction process for a remittance transaction according to an embodiment of the present invention.
5 is a diagram illustrating a process of exchanging a text message with a recipient's handset for a remittance transaction according to an embodiment of the present invention.
6 is a diagram illustrating a process of providing an acceptance application page to a recipient's handset for a remittance transaction according to an embodiment of the present invention.
7 is a flowchart illustrating a process of receiving an acceptance application from a recipient's handset for a remittance transaction according to an embodiment of the present invention
FIG.
8 is a diagram illustrating a remittee-side transaction process for a remittance transaction according to an embodiment of the present invention.

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 other words, the following embodiments correspond to the preferred embodiment of the preferred embodiment of the present invention. In the following embodiments, a specific configuration (or step) is omitted, or a specific configuration (or step) (Or steps), or an embodiment that incorporates functions implemented in more than one configuration (or step) into any one configuration (or step), a particular configuration (or step) It will be apparent that the present invention is not limited to the embodiments described below. Also, in the following embodiments, the prefixes 'first', 'second', 'third', etc. are terms that distinguish the same configuration according to the use, and the meaning of each term is not different depending on the prefix.

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 remittance transaction system using a text message according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a remittance transaction between a remitter and a remittee using a text message exchanged via a telephone network, in which a sender exchanges a character string freely entered through a text message in an initial transaction request with an authenticator, The present invention is not limited to the above-described embodiments, but may be modified and changed without departing from the spirit and scope of the present invention. It should be understood that various implementations (e.g., some of the components may be omitted, or refined, or combined) may be inferred from the configuration of the remittance transaction system using the text message, And the technical characteristics thereof are not limited only by the method shown in FIG.

The system of the present invention is characterized in that the remitter mobile phone 185 used by the remitter of the remittance transaction, the remittee mobile phone 190 used by the remittee of the remittance transaction, and the designated message server (not shown) 185) to the recipient-side mobile phone 190, and can transmit a text message via the telephone network to the remitter-side mobile phone 185 to the recipient-side mobile phone 190 via a data network And a server (100). In the present invention, the distinction between a remitter and a remitter is a term that distinguishes between a remitter and a remitter in a remittance transaction, and both the remitter and remittee are users who use the mobile phone.

The remitter-side mobile phone 185 is a collective term of a wireless communication device used by a remitter, and preferably has a function of multiple connection to a telephone network capable of transmitting and receiving a voice call and a text message and a data network capable of transmitting and receiving a web-based page. According to the embodiment of the present invention, the remitter-side mobile phone 185 can transmit and receive a text message via a telephone network, receives and outputs various pages via a data network, As shown in FIG. Preferably, the remitter-side mobile phone 185 may include a feature phone, a smart phone, and the like used by the remitter.

The recipient mobile phone 190 is a collective term for a wireless communication device used by a recipient, and preferably has a function of multiple access to a telephone network capable of transmitting and receiving a voice call and a text message and a data network capable of transmitting and receiving a web-based page. According to the embodiment of the present invention, the recipient-side mobile phone 190 can transmit and receive a text message via the telephone network, receives and outputs various pages via the data network, As shown in FIG. Preferably, the recipient phone 190 may include a feature phone, a smart phone, or the like used by the recipient.

The operating server 100 collectively refers to a server operating a remitter transaction between a remitter and a recipient by exchanging a text message via the telephone network with the remitter's mobile phone 185 or the remittee's mobile phone 190, A procedure for exchanging text messages via the telephone network with the remitter-side mobile phone 185 or the remittee-side mobile phone 190 via the remitter-side mobile phone 185 or the remittee-side mobile phone 190, A procedure for providing a page related to a remittance transaction via the network, a procedure for executing a remittance transaction based on the information entered through the respective pages in the remitter-side mobile phone 185 or the remittee-side mobile phone 190, . The operating server 100 of the present invention is a generic term of a server-side configuration for performing one or more server-side procedures designated for a remittance transaction according to the present invention, and is not limited to any physical server device. That is, the operating server 100 of the present invention may be implemented as software in a built-in server device, or at least one server capable of communicating with the remitter mobile phone 185 to the remittee mobile phone 190, or a combination of two or more servers It is clear that the present invention is not limited to a particular physical server.

Referring to FIG. 1, the operation server 100 confirms a first text message received via a telephone network, including a character string of a remitter input by a remitter, through a remitter phone 185 A first message confirming unit 104 and a remittance application page including a remittance application interface for displaying the remitter string on the one side area and creating the remittance application form of the remitter are created and stored in the designated storage area And a second message sending unit 124 for generating a second text message including a connection address of the remittance application page and sending the generated second text message to the remitter mobile phone 185 via the telephone network And generating a hash value (1) obtained by hashing the information including the character string of the remitter included in the first text message with a specified hash algorithm, An incoming call number confirming unit 116 for accepting or confirming the remitter's disposable call destination number for receiving the 2-1 text message from the remitter phone 185 provided with the remittance application page, And a called party number management unit 120 for managing and managing the identified remitter-side disposable destination number and the remitter's mobile phone number.

The remitter activates the text message dispatch function of the mobile phone 185 used by the user for remittance transaction according to the present invention, inputs a character string for free text message, inputs the designated representative telephone number to the receiver, It sends a first text message containing the string of the entered remitter. Preferably, the representative telephone number includes a designated telephone number for sending a first text message for a text message-based remittance transaction according to the present invention. That is, the sender of the text message including the character string in which the representative telephone number is freely input as the receiver is regarded as the remitter of the remittance transaction according to the present invention.

According to the method of the present invention, the sender freely inputs a character string to be transmitted through the first text message according to his or her will. The string input by the remitter can be any string as long as the string can be included in the text message. Preferably, the remitter string may include a character string that allows the remitter to recognize that the remitter is a character string input by the remitter, and can recognize the remittee as a character string entered by the remitter.

The remitter-side mobile phone 185 sends a first text message including the character string of the remitter input by the remitter, via the telephone network, to the designated representative telephone number, and the message server (not shown) Receives the first message sent from the remitter-side mobile phone 185. [

The first message checking unit 104 checks the first text message to the receiving side in cooperation with the message server, identifies the first text message by comparing the calling number (= the remitter's mobile phone number) of the first text message with the first Check the string of the sender included in the text message. The first message checking unit 104 stores the character string of the remitter included in the first text message in a designated storage area for a predetermined period of time (for example, until the receipt application message is provided to the recipient's mobile phone 190) .

According to the embodiment of the present invention, it is not possible to know which remittance transaction is performed at the time of checking the first text message through the first message checking unit 104, Is regarded as the remitter-side mobile phone 185. [

When the first text message is confirmed through the first message checking unit 104, the remittance page generating unit 108 generates a remittance application page for providing a remittance application by being provided to the remitter's mobile phone 185 , And stores the generated remittance application page in a designated storage area (for example, a remittance application page URL).

According to the first remittance application page of the present invention, the remittance page generating unit 108 exposes and displays the character string of the remitter included in the first text message on one side area of the page area, A remittance application page including a remittance application interface for designating the remittee and completing the remittance application is generated. That is, when the remitter string is exposed on the remittance application page, the remitter who has been provided with the remittance application page later notifies the remittance application page not to be a smiling page but to a legitimate page for making remittance application for the remittance transaction requested by the user Can be recognized.

According to the embodiment of the second remittance application page of the present invention, the hash value generation unit 112 includes the hash value in the first text message before or during generation of the remittance application page through the remittance page generation unit 108 A hash value (1) obtained by hashing the information including the string of the remitter of the sender with the specified hash algorithm. Meanwhile, the hash value generation unit 112 may generate a hash value (1) having a hash algorithm including a mobile phone number of the remitter in addition to the string of the sender, according to the embodiment. When the hash value (1) is generated through the hash value generation unit 112, the remittance page generation unit 108 displays the string of the remitter and displays the remittance application page including the remittance application interface The hash value (1) may be further included to generate the remittance application page.

According to the third embodiment of the remittance application page of the present invention, before the remittance application page is generated through the remittance page creation unit 108, The mobile phone 185 receives the remittance application page from the remitter's mobile phone 185 in response to the request for remittance. If the sender's disposable destination number is assigned or confirmed, the called number manager 120 maps the remitter's mobile phone number that transmitted the first text message to the remitter's disposable caller number, and stores the mapped mobile phone number in the designated storage area. When the mobile phone number of the remitter and the disposable caller number of the remitter are mapped, the remittance page generator 108 displays the character string of the remitter and displays the remittance application page including the remittance application interface on the remitter's disposable And a function of sending the 2-1 text message through the telephone network with the called number as the receiving side, thereby generating a remittance application page.

According to the fourth embodiment of the remittance application page of the present invention, the remittance page generating unit 108 displays a character string of the remitter and, at the same time, displays a real name for confirming the real name of the remitter on the remittance application page including the remittance application interface You can create a remittance application page by including an additional confirmation interface.

According to the fifth embodiment of the remittance application page of the present invention, the remittance page generating unit 108 generates a remittance application page in the form of at least partially combining at least two embodiments among the first to fourth remittance application page embodiments Can be generated and stored in the designated storage area.

When the remittance application page is generated through at least one of the first to fifth remittance application page embodiments, the second message sending unit 124 stores the remittance application page generated through the remittance page generation unit 108 A second text message including a connection address of the remittance application page is generated, and the second text message is transmitted to the remitter-side mobile phone 185 via the telephone network via the designated message center To be dispatched.

According to an embodiment of the present invention, it is preferable that the second text message further includes a character string of the remitter, whereby the remitter, receiving the second text message, May be aware that this is a legitimate message for filing an application for remittance of the requested remittance transaction.

Referring to FIG. 1, the operation server 100 receives the second text message through a telephone network, and transmits the second text message to a remitter's mobile phone 185 accessing a connection address of the remittance application page through a data network. A remittance page providing unit 128 for receiving a remittance application page, a remittance page providing unit 128 for providing a remittance application page, A transfer request receiving unit 136 for receiving a transfer request form including a mobile phone number of the remitter and a remitter transaction unit 152 for processing a remitter transaction of the remittance transaction using the remittance application, A real name confirming unit 132 for performing a real name verification procedure of the remitter in cooperation with the remitter's disposable destination number, A second-1 message confirming unit (140) for confirming a second-1 text message received from the sender-side disposable caller number via the telephone network from the first telephone number, a hash value (2) included in the second- A hash value authentication unit 144 for authenticating the validity of the hash value 2 using at least one of information included in the remittance application page and information included in the remittance application, (148).

The remitter-side mobile phone 185 receives the second text message via the designated telephone network and outputs it to the screen. When the remitter who confirmed the second text message requests connection with the connection address included in the second text message, the remitter-side mobile phone 185 drives the browser provided in the corresponding mobile phone 185, Connect to the connection address.

The remittance page providing unit 128 receives the second text message via the telephone network and confirms the remitter's mobile phone 185 accessing the connection address of the remittance application page through the data network, And provides the remittance application page generated through the remittance page creation unit 108 to the remitter-side mobile phone 185 via the remittance-page creation unit 108. [

The remitter-side mobile phone 185 receives the remittance application page and outputs it to the screen. Since the remitter string is exposed on the remittance application page, the remitter can recognize that the remittance application page is the page provided by the remittance transaction request of the principal.

Meanwhile, when the remittance application page includes the real name confirmation interface for confirming the real name of the remitter, the remitter's mobile phone 185 transmits the real name confirmation of the remitter through the real name confirmation interface according to the fourth remittance application page of the present invention. And the remitter's real name confirmation unit 132 performs the real name verification procedure of the remitter in cooperation with the remitter's side mobile phone 185. [ Preferably, the remitter-side mobile phone 185 receives and transmits the real name confirmation information necessary for confirming the real name of the remitter through the real name confirmation interface. The remittant real name confirmation unit 132 receives the real name confirmation information, It is possible to confirm the real name of the remitter by providing it as a confirmation server and requesting authentication.

(For example, the remitter's name, the remitter's account information, the remittee's name, the recipient's mobile phone number, etc.) necessary for the remittance application through the remittance application interface included in the remittance application page in the remitter's mobile phone 185, And transmits the created remittance application via the data network, the remittance application receiving unit 136 receives the remittance application form from the remitter mobile phone 185 via the data network.

In the case where the remittance application page includes the function of sending the second-tier text message through the telephone network by making the remitter-side disposable number as the receiving side according to the third remittance application page of the present invention, (2), which includes the hash value (2) via the telephone network, as the sender-side disposable destination number as the receiver side, generates a second-1-character message including the hash value And the second-1-character message is received by the message server to which the disposer-side disposable number is assigned. Preferably, the second-1 texting message is automatically transmitted in conjunction with the transfer of the remittance application at a time before, during, or after the remittance application is transmitted from the remitter-side mobile phone 185, -1 text message is not exposed through the screen of the remitter-side mobile phone 185.

The second-1 message confirmation unit 140 checks the second-1-character message received in the disposable-party disposable call destination number in association with the message server provided with the disposable-party-number. The second-1 message checking unit 140 checks the remitter's mobile phone number mapped to the remitter-side disposable caller number, checks the calling number of the second-1 character message, and matches the remitter's mobile phone number Authentication. If the second-1-character message is transmitted from the remitter's mobile phone number mapped to the remitter-side disposable call number, the hash value checker 144 checks the hash value (2 ).

If the hash value (1) is included in the remittance application page according to the second remittance application page of the present invention, the hash value (2) included in the second- . ≪ / RTI > In this case, the hash value authentication unit 148 may check the hash value (1) included in the remittance application page and authenticate the validity of the hash value (2) through the hash value (1). When the validity of the hash value (2) is authenticated, at the time of receiving the second-1-character message from the remitter-side mobile phone (185) via the telephone network, the remitter-side mobile phone (185) May be authenticated as legitimate.

Meanwhile, if the hash value (1) is included in the remittance application page, the hash value (2) included in the second-letter text message is used as the remittance information (for example, the remitter's name, , A recipient name, a recipient's mobile phone number, etc.) and a value obtained by hashing the hash value (1) with a specified hash algorithm. In this case, the hash value authentication unit 148 checks at least one piece of information applied to generation of the hash value (2) among the hash value (1) included in the remittance application page and the remittance information included in the remittance application , The hash value (2) may be generated using at least one of the hash value (1) and the remittance information included in the remittance application to authenticate the validity of the hash value (2). When the validity of the hash value (2) is authenticated, at the time of receiving the second-1-character message from the remitter-side mobile phone (185) via the telephone network, the remitter-side mobile phone (185) May be authenticated as legitimate.

Meanwhile, the hash value (2) included in the second-letter text message includes at least one of remittance information (for example, remitter's name, remitter's account information, remittee's name, recipient's mobile phone number, etc.) You can include hash values with the specified hash algorithm. In this case, the hash value authentication unit 148 confirms at least one piece of information applied to generation of the hash value (2) among the remittance information included in the remittance application, generates a hash value (2) 'based on the information, The validity of the hash value (2) can be authenticated. When the validity of the hash value (2) is authenticated, at the time of receiving the second-1-character message from the remitter-side mobile phone (185) via the telephone network, the remitter-side mobile phone (185) May be authenticated as legitimate.

If the remittance application is received via the remittance application reception unit 136 and / or the legitimacy of the remittance application is authenticated through the 2-1 text message, the remittant-side transaction unit 152 transmits the remittance application And the remittance-side transaction in which the remittance amount is withdrawn from the account of the remitter included in the remittance account.

According to the method of the present invention, the remitter-side transaction unit 152 generates a temporary account of the remitter to which the remittance amount withdrawn from the remitter account is deposited based on the remittance application form, or creates a temporary account of the remitter Check. When the temporary account of the remitter is created / confirmed, the remitter-side transaction unit 152 first deposits the remittance amount withdrawn from the remitter account to the temporary account of the remitter. Preferably, the temporary account of the remitter is an account of the remitter's name. Therefore, if the remitter cancels the remittance transaction before the remittance amount is secondarily deposited into the remittee account, it can be refunded to the remitter account.

Referring to FIG. 1, the operation server 100 generates an acceptance application page including an acceptance application interface for displaying a character string of the sender in a one-sided area and creating a recipient's acceptance application, And a third text message including a connection address of the receipt application page is generated and sent to the recipient's handset 190 corresponding to the recipient's mobile number through the telephone network A hash value generation unit 112 having a third message sending unit 160 and generating a hash value (3) obtained by hashing the information including the string of the sender by a specified hash algorithm; A destination number confirmation unit 116 that receives or confirms the recipient's disposable destination number for receiving the 3-1 text message from the recipient's cell phone 190, The time or check to the payee side disposable called party number and the called number management unit 120 that manages mapping the recipient-side mobile phone number can be further provided.

When the remitter-side transaction corresponding to the remittance application is processed through the remitter-side transaction unit 152, the receipt page generation unit 156 is provided to the remittee-side mobile phone 190 and receives a receipt application page for creating a receipt application And stores the generated receipt application page in a designated storage area (for example, a receipt application page URL).

According to the first receiving application page of the present invention, the receiving page generating unit 156 exposes and displays the character string of the remitter on one side area of the page area, and displays the remittance amount requested by the remitter Creates a receipt application page that includes an acceptance application interface for creating an acceptance application. In other words, by exposing the character string of the remitter on the receipt application page, the recipient who has been provided with the receipt application page can not receive the remittance application fee for the remittance amount requested by the remitter, It can be recognized that the page is a valid page to be created.

According to the second receiving application page embodiment of the present invention, the hash value generating unit 112 generates the hash value including the string of the remitter before the receiving application page is generated through the receiving page generating unit 156 The hash value (3) can be generated by hashing information with the specified hash algorithm. Meanwhile, the hash value generation unit 112 may generate a hash value (3) having a hash algorithm including the mobile phone number of the recipient in addition to the string of the sender, according to the method. When the hash value (3) is generated through the hash value generation unit (112), the receipt page generation unit (156) displays the string of the remitter and simultaneously displays the hash value And the receipt application page can be generated by further including the hash value (3).

According to the third reception application page embodiment of the present invention, the called party identification unit 116 determines whether the reception request page is generated through the designated procedure (or message server) The mobile communication terminal 190 accepts or confirms the recipient's disposable call destination number for receiving the 3-1 character message from the recipient's mobile phone 190 provided with the receipt application page in accordance with the recipient's phone number. If the recipient's disposable destination number is assigned or confirmed, the called number management unit 120 maps the recipient's mobile phone number and the recipient's disposable recipient number and stores it in a designated storage area. When the recipient's mobile phone number and the recipient's disposable recipient number are mapped, the receipt page generator 156 displays the character string of the remitter and at the same time displays the character string of the remitter on the recipient application page including the recipient application interface, And a function of sending the 3-1 text message through the telephone network with the called party number as the receiving party, thereby generating the receiving application page.

According to the fourth receipt application page of the present invention, the receipt page generator 156 displays a character string of the remitter and displays a real name for confirming the real name of the recipient on the receipt application page including the receipt application interface You can create a receipt application page by including an additional confirmation interface.

According to the fifth receipt application page of the present invention, the receipt page generating unit 156 generates a receipt application page in the form of at least partially combining at least two embodiments among the first to fourth receipt application page embodiments Can be generated and stored in the designated storage area.

When the receipt application page is generated through at least one of the first to fifth receipt application page embodiments, the third message transmission unit 160 stores the receipt application page generated through the receipt page generation unit 156 Generates a third text message including a connection address of the acceptance application page, and transmits the third text message to the recipient's handset 190 via the telephone network via the designated message center To be dispatched.

According to the method of the present invention, it is preferable that the third text message further includes a character string of the remitter, so that the recipient who receives the third text message can recognize that the third text message is not the text message, May be aware that this is a legitimate message for filling out the request form for the requested receiving transaction.

Referring to FIG. 1, the operation server 100 receives the third text message through a telephone network, and transmits the third text message to the recipient's mobile phone 190 accessing the connection address of the receiving application page via the data network. A receiving page providing unit 164 for receiving the receiving application page provided for the receiving user page and receiving the receiving application created via the data receiving network from the receiving mobile phone 190 exposed to the string of the sender, And a remittee transaction unit 180 for processing the remittance transaction of the remittee which remits the remittance amount to the remittee by combining the remittance application receipt unit 172 and the remittance application form together with the remittance application, A receiver's real name confirmation unit 168 for performing a blind date confirmation process of the receiver, a recipient's mobile phone number mapped with the recipient's one- A 3-1 message confirmation unit 176 for confirming a 3-1 character message received from the recipient's disposable destination number via the telephone network and a hash value 4 included in the 3-1 character message A hash value authentication unit 144 for authenticating the validity of the hash value 4 using at least one of information included in the acceptance application page and information included in the acceptance application, 148).

The recipient's handset 190 receives the third text message via the designated telephone network and outputs it to the screen. When the recipient confirms the third text message, the recipient-side mobile phone 190 drives the browser provided in the corresponding mobile phone 190 and transmits the connection request message to the recipient- Connect to the connection address.

After receiving the third text message via the telephone network, the receiving page provider 164 confirms the recipient's mobile phone 190 accessing the access address of the receiving application page through the data network, And provides the receipt application page generated by the receipt page generator 156 to the recipient-side mobile phone 190 via the network.

The recipient's handset 190 receives the receipt application page and outputs it to the screen. Since the character string of the remitter is exposed on the receipt application page, the remittee can recognize that the receipt application page is a page provided to receive the remittance application of the remitter.

Meanwhile, when the receiving application page includes a real name verification interface for confirming the real name of the recipient according to the fourth receiving application page of the present invention, the recipient's mobile phone 190 displays the real name of the recipient And the receiver's real name confirmation unit 168 performs the real name verification procedure of the receiver in conjunction with the receiver's mobile phone 190. [ Preferably, the receiver-side mobile phone 190 receives and inputs the blindness confirmation information necessary for confirming the blindness of the receiver through the blindness confirmation interface. The receiver's blindness confirmation unit 168 receives the blindness confirmation information, It is possible to confirm the real name of the recipient by providing it as a confirmation server and requesting authentication.

Upon confirming the real name of the recipient, the recipient-side transaction unit 180 creates a temporary account of the recipient or confirms the provisional account of the created recipient. When the temporary account of the remittee is created / confirmed, the remittee transaction unit 180 withdraws the remittance amount firstly deposited in the temporary account of the remitter, and performs a second remittance process to the temporary account of the created / confirmed remittee . Since the temporary account of the remitter is an account of the remittee's name, after the remittance of the remittance firstly deposited in the temporary account of the remitter is secondarily deposited into the remittee account of the remitter, even if the remitter requests to cancel the remittance transaction, No refund to temporary account.

The recipient's mobile phone 190 inputs receipt information (for example, recipient name, recipient account information, and the like) required for the recipient application through the recipient application interface included in the recipient application page to create a recipient application, The receipt application receiving unit 172 receives the receipt application form from the recipient's handset 190 through the data network.

In the case where the receiving application page includes the function of sending the 3-1 text message through the telephone network by making the receiving party's disposable number as the receiving side according to the third receiving application page of the present invention, (3), which includes the hash value (4), via the telephone network, the third-party text message including the hash value (4) And the third-tier text message is received by the message server to which the disposable-number is assigned. Preferably, the third-letter text message is automatically sent in conjunction with the receipt application transmission at a time before, during, or after the receipt application is transmitted from the recipient's mobile phone 190, -1 text message is not exposed through the screen of the recipient-side mobile phone 190. [

The 3-1 message confirmation unit 176 checks the 3-1 character message received by the recipient-side disposable call number in conjunction with the message server provided with the recipient's disposable number. The 3-1 message confirmation unit 176 confirms the recipient's mobile number mapped with the recipient's disposable number, checks the originating number of the 3-1 character message, and determines whether the recipient's mobile number matches the recipient's mobile number Authentication. If the 3-1 text message is transmitted from the recipient's mobile phone number mapped to the recipient's disposable recipient number, the hash value confirmation unit 144 checks the hash value (4 ).

If the hash value (3) is included in the receipt application page according to the second receiving application page of the present invention, the hash value (4) included in the third- . ≪ / RTI > In this case, the hash value authentication unit 148 may check the hash value 3 included in the receipt application page and authenticate the validity of the hash value 4 through the hash value 3. When the validity of the hash value (4) is authenticated, the recipient mobile phone (190) via the data network at the time of receiving the 3-1 character message from the recipient mobile phone (190) via the telephone network, May be authenticated as legitimate.

Meanwhile, if the hash value (3) is included in the receipt application page, the hash value (4) included in the 3-1 character message includes at least one receipt information (for example, a payee name, Recipient account information, etc.) and a value obtained by hashing the hash value (3) with a specified hash algorithm. In this case, the hash value authentication unit 148 checks at least one piece of information applied to generation of the hash value (4) among the hash value (3) included in the receipt application page and the received information included in the receipt application , The hash value (4) may be generated using at least one of the hash value (3) and the acceptance information included in the receipt application to authenticate the validity of the hash value (4). When the validity of the hash value (4) is authenticated, the recipient mobile phone (190) via the data network at the time of receiving the 3-1 character message from the recipient mobile phone (190) via the telephone network, May be authenticated as legitimate.

Meanwhile, the hash value (4) included in the 3-1 text message may include at least one of the received information (e.g., recipient name, recipient account information, etc.) included in the receipt application with hash algorithm It may contain one value. In this case, the hash value authentication unit 148 confirms at least one piece of information applied to generation of the hash value (4) among the received information included in the receipt application, generates a hash value (4) 'based on the information, The validity of the hash value 4 can be authenticated. When the validity of the hash value (4) is authenticated, the recipient mobile phone (190) via the data network at the time of receiving the 3-1 character message from the recipient mobile phone (190) via the telephone network, May be authenticated as legitimate.

If the receipt application is received via the receipt application reception unit 172 and / or the legitimacy of the receipt application is authenticated through the 3-1 text message, the remittee transaction unit 180 transmits And processes the remittance transaction on the remittee which remits the remittance amount to the remittee by combining the created remittance application (for example, remittance amount) with the remittance application (for example, remittance account information) created by the remittee.

If the recipient's real name verification is omitted and the temporary account of the recipient is not created / confirmed, the recipient-side transaction unit 180 creates the temporary account of the recipient or confirms the provisional account of the created recipient . When the temporary account of the remittee is created / confirmed, the remittee transaction unit 180 withdraws the remittance amount firstly deposited in the temporary account of the remitter, and performs a second remittance process to the temporary account of the created / confirmed remittee . Since the temporary account of the remitter is an account of the remittee's name, after the remittance of the remittance firstly deposited in the temporary account of the remitter is secondarily deposited into the remittee account of the remitter, even if the remitter requests to cancel the remittance transaction, No refund to temporary account.

On the other hand, if the remittance amount is secondarily deposited in the temporary account of the remittee, the remittee transaction unit 180 withdraws the remittance amount (for example, the remittance amount of the remittance application form) secondarily deposited in the remittee account of the remittee The third party deposits the money into the remitter account included in the receipt application.

2 is a diagram illustrating a process of exchanging a text message with a remitter's mobile phone 185 for a remittance transaction according to an embodiment of the present invention.

In more detail, FIG. 2 shows a case where a first text message including a character string of a remitter who freely input by a remitter is transmitted from a remitter phone 185 to a designated representative telephone number through a telephone network, A remittance application page including a remittance application interface for displaying the remitter string on the one-sided area and creating a remittance application form of the remitter after confirming the message, and storing the remittance application page including the connection address of the remittance application page And a second text message is generated and transmitted to the remitter-side mobile phone 185 through the telephone network. As a person skilled in the art, referring to FIG. 2 and / or FIG. And various methods of exchanging a text message with the remitter-side mobile phone 185 (for example, some steps are omitted And would be able to infer, or exemplary method sequence is changed), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 2.

Referring to FIG. 2, a remitter who wishes to apply for a remittance transaction freely inputs a character string to be included in the first text message according to the will of the remitter using the text message function provided in the cell phone 185 of the user, (205), and transmits the first text message to the representative telephone number via the telephone network connected to the remitter phone (185) (210), and the first text message is received by the message server to which the representative telephone number is assigned.

In operation 215, the operation server 100 confirms the first text message received through the telephone network in response to the designated representative telephone number. At this time, the remitter sending the first text message may or may not be a member of the operation server 100, and thus the present invention is not limited thereto. According to the present invention, anyone can request a remittance by sending a first text message including a character string inputted by the user to a designated representative telephone number.

If the first text message received by the representative telephone number is confirmed via the telephone network, the operation server 100 confirms the remitter's mobile telephone number corresponding to the calling number of the first text message, The string of the sender included in the message is checked (220). Preferably, the operation server 100 stores (temporarily) stores the string of the remitter for a predetermined period (step 225).

The operating server 100 exposes and displays the character string of the remitter on one side area of the page area according to one or more of the first to fifth embodiments of the remittance application page of the present invention, (230) for creating a remittance application page including a remittance application interface for creating a remittance application page.

According to the second remittance application page of the present invention, the operation server 100 generates a hash value (1) obtained by hashing the information including the string of the remitter with a specified hash algorithm, or generates a hash value A hash value (1) obtained by hashing the mobile phone number of the remitter on the hash algorithm is displayed, and the hash value (1) is further included in the remittance application page including the remittance application interface A remittance application page can be created (235).

According to the third embodiment of the remittance application page of the present invention, the operating server 100 receives the remittance application page from the remitter's mobile phone 185 provided with the remittance application page in accordance with the designated procedure (or linked with the message server) (240) after mapping the mobile telephone number of the remitter who has transmitted the first text message and the disposable number of the remitter to the remitter, and storing the disposable number in the designated storage area, And a function of displaying the character string of the remitter and sending the second-1 text message through the telephone network by making the remitter-side disposable call number to the remitter on the remittance application page including the remittance application interface, (245).

According to the fourth embodiment of the remittance application page of the present invention, the operation server 100 displays a character string of the remitter and displays a real name confirmation interface (ID) for confirming the real name of the remitter on the remittance application page including the remittance application interface To generate a remittance application page (250).

If the remittance application page is generated through one or more embodiments of the first to fifth remittance application pages of the present invention, the operation server 100 stores the generated remittance application page in the designated storage area, After confirming the connection address corresponding to the storage area in which the transfer request page is stored (255), a second text message including the connection address of the transfer request page is generated (260). The operation server 100 may generate a second text message including a text string of the sender along with a connection address of the remittance application page according to an embodiment of the present invention.

The operating server 100 processes the second text message to be transmitted to the remitter's mobile phone number via the telephone network 265. The remitter mobile phone 185 receives the second text message through the telephone network (270).

FIG. 3 is a diagram illustrating a process of providing a remittance application page to a remitter's mobile phone 185 and receiving a remittance application for a remittance transaction according to an embodiment of the present invention.

In more detail, FIG. 3 is a diagram illustrating an example of an operation of the remittee of the present invention, in which the operation server 100 receives the second text message via the telephone network through the process shown in FIG. 2 and accesses the connection address of the remittance application page through the data network The mobile phone 185 provides the remittance application page generated / stored through the process of FIG. 2, receives the remittance application page, and receives the remittance application page from the remitter mobile phone 185 exposed to the character string of the remitter, If the applicant has a general knowledge in the technical field of the present invention, referring to and / or modifying FIG. 3, it is possible to receive the remittance application page or receive the remittance application form It will be appreciated that various implementations of the process may be inferred (e.g., some steps may be omitted, or procedures may be altered) The present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 3, the remitter's handset 185 receiving the second text message via the telephone network through the process shown in FIG. 2 confirms whether a connection request is made from the remitter to the connection address of the second text message (300). If the connection request is made to the connection address, the remitter-side mobile phone 185 requests the remittance application page of the connection address through the data network (305), and the operation server (100) (310) a request for a remittance application page of the remitter's mobile phone 185, and provides the remittance application page created / stored through the process shown in FIG. 2 through the data network to the remitter-side mobile phone 185 (315).

The remitter-side mobile phone 185 receives the remittance application page through the data network and outputs the received remittance application page (320). Meanwhile, if the remittee includes a real name confirmation interface for confirming the real name of the remitter on the remittance application page in accordance with the fourth remittance application page of the present invention and requests the real person name confirmation (or can be performed according to a designated procedure) Side mobile phone 185 performs a procedure for confirming the real name of the remitter by means of the blind date confirmation interface for the remitter 325. The operation server 100 operates in cooperation with the remitter's mobile phone 185, A procedure is performed (330). If the real name of the remitter is not confirmed as a result of the real name verification procedure, the operation server 100 provides an error of verifying the real name of the remitter to the remitter phone 185, And receives and outputs the confirmation error (335). Meanwhile, when the real name of the remitter is confirmed, the operation server 100 provides the remittee's real name confirmation result to the remitter phone 185, and the remitter phone 185 receives the reminder real name confirmation result And outputs it (345).

Meanwhile, if the remittance application page is received (320) and / or the real name of the remitter is confirmed (345) via the data network, the remitter-side mobile phone (185) receives from the remitter It is checked whether the transfer information is inputted (350). If the remittance information is input through the remittance application interface, the remitter-side mobile phone 185 generates a remittance application including the remittance information (355).

Meanwhile, when the function of sending the second-letter text message through the telephone network is included in the remittance application page according to the embodiment of the third remittance application page of the present invention, the remitter-side mobile phone 185 transmits the second -1 Generate or confirm (360) the hash value (2) to include in the text message. In the case where the hash value (1) generated through the process shown in FIG. 2 is included in the remittance application page according to the second remittance application page embodiment of the present invention, the remitter-side mobile phone (185) A hash value (2) including the value (1) may be confirmed, or a hash value (2) may be generated using at least one of the hash value (2) and the remittance information. Alternatively, the remitter-side mobile phone 185 may generate a hash value (2) including at least one of the remittance information. When the hash value (2) is generated / confirmed, the remitter-side mobile phone 185 generates (365) a 2-1 text message including the hash value (2) The second-1 character message is transmitted to the remitter-side disposable caller number through the telephone network using the text message dispatch function (370). When the second-1-character message is received by the message server to which the sender-side disposable call number is assigned, the operation server 100 confirms the second-1-character message received at the remitter's disposable call number via the telephone network (375).

Meanwhile, when the remittance application form is generated, the remitter mobile phone 185 transmits the remittance application form to the operation server 100 through the data network (380), and the operation server 100 transmits the remittance application form And receives the remittance application from the remitter-side mobile phone 185 (385).

FIG. 4 is a diagram illustrating a remitter-side transaction process for a remittance transaction according to an embodiment of the present invention.

4 is a flowchart illustrating a method of transmitting the second-1 text message received from the remitter-side mobile phone 185 via the telephone network through the process shown in FIG. 3 in the operation server 100, 4 is a flowchart illustrating a process of processing a remitter-side transaction for a remittance transaction by using a remittance application received from the mobile phone 185. It will be apparent to those skilled in the art, It is possible to deduce various methods (for example, a method of omitting some steps or changing the order) for the remitter-side transaction process, but the present invention includes all of the above- , The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, when the second-1 character message is received from the remitter-side mobile phone 185 via the telephone network through the process shown in FIG. 3, the operation server 100 transmits the second 1 character string 400 in step 405 and confirms the remitter's mobile phone number mapped with the disposable number received the second-letter SMS message in step 405, (410) whether the originating number of the 2-1 text message matches the remitter's mobile phone number. If the remitter's mobile phone number is not matched, the operation server 100 transmits a remittance request error to the remitter's mobile phone 185 through the data network (445), and the remitter's mobile phone (185) (450). ≪ / RTI > Meanwhile, when the remitter's mobile phone number is matched, the operation server 100 confirms the hash value (2) included in the second-1 character message (415), and transmits the hash value ) And the remittance application received from the remitter's handset 185 through the data network to the hash value (2).

Meanwhile, the operation server 100 confirms the remittance application received from the remitter's mobile phone 185 through the data network through the process shown in FIG. 3 (420). On the other hand, if the hash value (2) included in the second-letter text message received via the telephone network from the remitter's mobile phone 185 that has transmitted the remittance application form is confirmed, the operation server 100 transmits the hash value 2) can be authenticated and the legitimacy of the remittance application can be authenticated (425). If the legitimacy of the remittance application is not authenticated, the operation server 100 transmits a remittance request error to the remitter phone 185 via the data network (445), and the remitter phone (185) (450). ≪ / RTI >

The transfer request form received from the remitter mobile phone 185 through the data network is confirmed 420 and / or the second-1 character received from the remitter mobile phone 185 via a separate telephone network differentiated from the data network If the legitimacy of the remittance application is authenticated through the hash value (2) included in the message, the operation server 100 stores (temporarily) the remittance application (temporary) received through the data network.

Meanwhile, the operation server 100 generates or confirms a temporary account of the remitter based on the remittance application (435). If the reminder account of the remitter is created / confirmed, the operation server 100 responds to the remittance information included in the remittance application (440), and the first deposit is made to the temporary account of the created / confirmed remitter.

FIG. 5 is a diagram illustrating a process of exchanging a text message with a recipient-side mobile phone 190 for a remittance transaction according to an embodiment of the present invention.

In more detail, FIG. 5 shows the string of the remitter on the one-sided area based on the remittance application received from the remitter's mobile phone 185 through the process shown in FIG. 4 in the operation server 100, And a third text message including a connection address of the receipt application page is generated and transmitted to the receiver of the remittance application through the telephone network, And transmits it to the recipient cell phone 190 corresponding to the cell phone number. As a person skilled in the art, referring to and / or modifying FIG. 5, (E.g., some steps may be omitted, or the order may be changed) Would be able to infer the method), the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 5.

5, the operation server 100 confirms the recipient's mobile phone number included in the remittance application received from the remitter's handset 185 through the process shown in FIG. 4, (500) according to one or more embodiments of the first to fifth receiving application page embodiments of the present invention after confirming the character string of the remitter included in the first text message received from the remitter-side mobile phone 185 through the remitter (505) a step of exposing the string to the one-sided region of the page area and generating a receipt application page including the receipt application interface for the recipient to create the receipt application.

According to the second embodiment of the present invention, the operation server 100 generates a hash value (3) by hashing the information including the string of the remitter with a specified hash algorithm, or generates a hash value (3) A hash value (3) hash obtained by hashing the recipient's mobile phone number with a specified hash algorithm, displays the character string of the remitter, and further includes the hash value (3) in the acceptance application page including the acceptance application interface A receipt application page may be generated 510.

According to the third embodiment of the present invention, the operation server 100 receives the third-to-last character (s) from the recipient's mobile phone 190, which has been provided with the acceptance application page, (515) a mobile phone number of the recipient and a disposable recipient number of the recipient to which the first text message is transmitted and stores the mobile telephone number in the designated storage area, Further comprising a function of displaying the character string of the remitter and sending the 3-1 character message through the telephone network by making the recipient's disposable number as the recipient on the receipt application page including the receipt application interface, (520).

According to the fourth application page of the present invention, the operating server 100 displays a character string of the remitter, and at the same time displays a real name confirmation interface To generate an acceptance application page (525).

If the receipt application page is generated through one or more embodiments of the first to fifth receipt application page embodiments of the present invention, the operation server 100 stores the generated receipt application page in a designated storage area, After confirming the connection address corresponding to the storage area in which the receipt application page is stored (530), a third text message including the connection address of the receipt application page is generated (535). According to the method, the operation server 100 may generate a third text message including a text string of the sender along with a connection address of the accepting application page (535).

The operating server 100 processes the third text message to be transmitted to the recipient's mobile phone number via the telephone network 540, and the recipient's mobile phone 190 receives the third text message through the telephone network (545).

FIG. 6 is a flowchart illustrating a process of providing an acceptance application page to a recipient-side mobile phone 190 for a remittance transaction according to an embodiment of the present invention.

FIG. 6 is a flowchart illustrating a process of receiving the third text message from the operation server 100 via the telephone network through the process shown in FIG. 5 and accessing the access address of the receiving application page through the data network Side mobile phone 190 with the receipt application page generated / stored through the process of FIG. 5, and confirming the real name of the receiver on the basis of the receipt application page in accordance with the method of operation. Those skilled in the art will be able to refer to and / or modify the FIG. 6 to derive various implementations of the acceptance application page providing process (e.g., omitting some of the steps or changing the order) However, it should be understood that the present invention is not limited to the embodiments described above, Gong is not limited.

Referring to FIG. 6, the recipient's handset 190 receiving the third text message via the telephone network through the process shown in FIG. 5 confirms whether a connection is requested from the recipient to the connection address of the third text message (600). If the connection request is made to the connection address, the recipient's handset 190 requests the reception request page of the connection address through the data network (605), and the operation server (100) (610) a receipt application page request of the recipient's mobile phone (190), and provides the receipt application page created / stored through the data network to the recipient's handset (190) through the process shown in FIG. 5 (615).

The recipient's mobile phone 190 receives the receipt application page through the data network and outputs the received receipt application page (620). Meanwhile, according to the fourth application page of the present invention, if the real name confirmation interface for confirming the real name of the recipient is included in the acceptance application page and the real name request is requested by the recipient (or can be performed according to a designated procedure) Side mobile phone 190 performs a procedure for confirming the real name of the recipient through the blindness confirmation interface for the recipient (625). The operation server 100, in cooperation with the recipient's mobile phone 190, The procedure is performed (630). If the real name of the recipient is not confirmed as a result of the real name verification procedure, the operation server 100 provides a receiver name verification error to the recipient's handset 190, and the recipient's mobile phone 190 sends the recipient's real name A confirmation error is received and output (635).

On the other hand, if the real name of the recipient is confirmed, the operation server 100 transmits the remittance amount firstly deposited to the temporary account of the remitter through the process of FIG. 4 based on the result of the real name verification for the remittee, Create or confirm a temporary account (640). If the temporary account of the remittee is created / confirmed, the operation server 100 withdraws the remittance amount from the remitter account of the remitter and performs a second payment process to the temporary account of the remittee created / confirmed (645).

If the real name of the recipient is confirmed (630) and / or the remittance amount firstly deposited in the temporary account of the remitter is secondarily deposited (645) to the remittee's temporary account (645), the operation server The recipient's cell phone 190 provides the recipient's name verification result to the recipient's cell phone 190, and the recipient's cell phone 190 receives and displays the recipient's name verification result (655).

FIG. 7 is a diagram illustrating a process of receiving an acceptance application from a recipient's handset 190 for a remittance transaction according to an embodiment of the present invention.

7 is a flowchart illustrating an operation of receiving a request for acceptance from a recipient's mobile phone 190 exposed on a character string of a remitter by receiving an acceptance application page provided from the operation server 100 through the process shown in FIG. The present invention is not limited to the above embodiments and various changes and modifications may be made without departing from the spirit and scope of the present invention. (For example, an operation method in which some steps are omitted or the order is changed). However, the present invention includes all of the above-mentioned embodiments, and the technical features Is not limited.

Referring to FIG. 7, if the receipt application page is received from the operation server 100 via the data network and / or the real name of the recipient is confirmed through the process shown in FIG. 6, the recipient's mobile phone 190 checks whether receipt information is input from the recipient through the receipt application interface of the receipt application page (700). If the receipt information is input through the receipt application interface, the recipient's handset 190 generates a receipt application including the receipt information (705).

Meanwhile, when the function of sending the 3-1 text message through the telephone network is included in the receiving application page according to the third receiving application page of the present invention, -1 generate (710) a hash value (4) to be included in the text message. In the case where the hash value (3) generated through the process shown in FIG. 5 is included in the receipt application page according to the second receiving application page embodiment of the present invention, the recipient's mobile phone (190) The hash value 4 including the value 3 can be confirmed or the hash value 4 can be generated using at least one of the hash value 4 and the receipt information. Or the recipient cell phone 190 may generate a hash value (4) containing at least one of the received information. When the hash value (4) is generated / confirmed, the recipient phone (190) generates (715) a 3-1 character message including the hash value (4) The third-party text message is sent to the recipient-side disposable destination number via the telephone network using the text message dispatch function (720). When the third-1 character message is received by the message server to which the disposable-number is assigned, the operation server 100 confirms the third-1 character message received at the remittee-side dispos- ing destination number through the telephone network (725).

Meanwhile, when the receipt application is generated, the recipient mobile phone 190 transmits the receipt application to the operation server 100 through the data network 730, and the operation server 100 transmits the receipt application to the operation server 100 via the data network The receiving application is received from the recipient's handset 190 (735).

FIG. 8 is a diagram illustrating a remittee-side transaction process for a remittance transaction according to an embodiment of the present invention.

8 is a diagram illustrating a third-tier text message received from the recipient-side mobile phone 190 via the telephone network through the process shown in FIG. 7 in the operation server 100, 8 is a flowchart illustrating a process of processing a remittee transaction for a remittance transaction by using a receipt application received from the mobile phone 190. It will be apparent to those skilled in the art, Or variations may be made to various embodiments of the recipient-side transaction process (e.g., omissions of some steps or alternatives), but the present invention includes all such contemplated embodiments , But the technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 8, when the third-tier text message is received from the recipient's mobile phone 190 via the telephone network through the process shown in FIG. 7, the operation server 100 transmits the third (800), checks the recipient's mobile phone number mapped with the disposable recipient number for which the 3-1 character message was received (805) 3-1 confirms whether the calling number of the text message matches the recipient's mobile phone number (810). If the mobile number of the recipient is not matched, the operating server 100 transmits an acceptance request error to the recipient's handset 190 through the data network 850, And receives and receives the receipt request error (855). If the recipient's mobile phone number is matched, the operation server 100 checks the hash value 4 included in the 3-1 character message (815), and transmits the hash value 4 to the recipient mobile phone 190 ) And the hash value (4) by using at least one of the acceptance application page provided from the recipient's mobile phone (190) and the acceptance application received from the recipient's handset (190) through the data network.

Meanwhile, the operation server 100 checks the receipt application received from the recipient's handset 190 through the data network through the process shown in FIG. 7 (820). On the other hand, if the hash value (4) included in the third-letter text message received via the telephone network from the recipient's mobile phone 190 that has transmitted the receipt application is confirmed, the operation server 100 transmits the hash value 4) may be authenticated and the validity of the receipt application may be authenticated (825). If the validity of the receipt application is not authenticated, the operational server 100 transmits an acceptance request error to the recipient's handset 190 through the data network 850, and the recipient's handset 190 transmits the data network And receives and receives the receipt request error (855).

A receipt application received via the data network from the recipient's handset 190 is verified 820 and / or received from the recipient's handset 190 via a separate telephone network distinct from the data network, If the validity of the receipt application is authenticated through the hash value (4) included in the message, the operation server 100 confirms the remittee account included in the receipt application (830). The operation server 100 withdraws the remittance amount secondarily deposited in the temporary account of the remittee from the temporary account of the remittee through the process shown in FIG. 6, and performs the third depositing process to the identified remittee account (835) . Thereafter, the operation server 100 transmits the remittance result corresponding to the third depositing process to the remittee cell phone 190 through the data network (840), and the remittee cell phone 190 transmits the remittance result And receives and outputs the result (845).

100: Operation server 104: First message confirmation unit
108: remittance page generation unit 112: hash value generation unit
116: Called party number confirmation unit 120: Called party number management unit
124: second message sending unit 128: remittance page providing unit
132: Remittance person's name confirmation unit 136: Remittance application reception unit
140: 2nd-1 message checking unit 144: Hash value checking unit
148: Hash value authentication unit 152: Transmitter side transaction unit
156: Receiving page generating unit 160: Third message sending unit
164: Receiving page provisioner 168: Receiver's real name confirmation unit
172: Receipt application reception unit 176: 3-1 message confirmation unit
180: Receiver side trading department 185: Money transmitter side mobile phone
190: Recipient's mobile phone

Claims (23)

A method executed via a server capable of communicating with a mobile phone,
A first step of confirming a first text message received via a telephone network by a designated representative telephone number including a character string of a remitter who freely input a remitter through a remitter's handset;
A remittance application page including a remittance application page for displaying the character string of the remitter in the one-side area and creating a remittance application form of the remitter, and generating and storing a remittance application page including a second text message A second step of generating and sending to the remitter phone through a telephone network;
A third step of receiving the second text message via the telephone network and providing the remittance application page to a remitter's mobile phone accessing the remittance application page through a data network;
A fourth step of receiving the remittance application page and receiving a remittance application form prepared through the remittance application page from the remitter's mobile phone exposed to the character string of the remitter through the data network and including remittance amount and remittee cell phone number;
An acceptance application page including an acceptance application interface for displaying the string of the remitter on a one-sided area and creating an acceptance application for a recipient, and storing a third text message including a connection address of the acceptance application page A fifth step of generating and sending to the recipient's mobile phone corresponding to the recipient's mobile phone number through a telephone network;
A sixth step of receiving the third text message through a telephone network and then providing the accepting application page to a recipient's handset accessing a connection address of the accepting application page through a data network;
A seventh step of receiving the acceptance application page and receiving the acceptance application created through the acceptance application page from the recipient's cell phone exposed to the string of the remitter via the data network; And
And a final step of transferring the remittance amount by combining the remittance application form and the receipt application form.
The method according to claim 1,
Upon creating the remittance application page,
Generating a hash value (1) obtained by hashing the information including the character string of the remitter included in the first text message with a specified hash algorithm; And
Further comprising the step of including information including the generated hash value (1) in the remittance application page.
3. The method of claim 2, wherein the hash value (1)
And a hash value further including a remitter's mobile phone number corresponding to the remitter's mobile phone.
2. The method of claim 1,
And the character string of the remitter is included.
The method according to claim 1,
The remittance application page further includes a real name confirmation interface for confirming the real name of the remitter,
After providing the remittance application page to the remitter phone,
Further comprising the step of performing a real name verification procedure of the remitter in cooperation with a real name confirmation interface of the remittance application page.
The method according to claim 1,
Upon confirming the first text message,
Further comprising the step of confirming a remitter's mobile phone number that transmitted the first text message,
Upon creating the remittance application page,
Receiving or confirming the sender-side disposable number for receiving the second-tier text message from the remitter-side mobile phone;
Mapping the remitter's mobile phone number and the remitter's disposable caller number; And
Further comprising the step of including the function of sending the second-to-1 terminal message through the telephone network by making the remitter-side disposable call destination number as the receiver on the remittance application page.
7. The method of claim 6,
Confirming a second-1 text message received from the remitter's mobile phone number mapped to the remitter-side disposable destination number to the remitter-side disposable destination number via the telephone network;
Confirming the hash value (2) included in the second-letter text message; And
And authenticating the validity of the hash value (2) using at least one of information included in the remittance application page and information included in the remittance application. How to trade.
8. The method of claim 7,
The remittance application page includes a hash value (1) hash of information including the string of the remitter,
Wherein the hash value (2) includes the hash value (1).
8. The method of claim 7,
The remittance application page includes a hash value (1) hash of information including the string of the remitter,
Wherein the hash value (2) includes at least one information included in the remittance application and a value obtained by hashing the hash value (1) by a specified hash algorithm.
8. The method of claim 7,
Wherein the hash value (2) includes a value obtained by hashing at least one piece of information included in the remittance application with a specified hash algorithm.
The method as claimed in claim 1,
Confirming or creating a temporary account of the remitter based on the remittance application;
Further comprising the step of withdrawing the remittance amount from the account of the remitter of the remittance application and firstly depositing the remittance money into the temporary account of the remitter.
12. The method of claim 11,
Upon confirmation of the recipient's real name through the recipient's mobile phone provided with the receipt application page,
Confirming or creating a temporary account of the blind-confirmed recipient;
Further comprising the step of secondarily depositing the remittance amount deposited in the temporary account of the remitter to the temporary account of the remittee.
13. The method of claim 12,
Further comprising a third step of depositing a remittance amount secondarily deposited in the temporary account of the remittee to the remittee account corresponding to the remittance application.
The method according to claim 1,
Upon creating the receipt application page,
Generating a hash value (3) by hashing information containing the string of the remitter with a specified hash algorithm; And
Further comprising the step of including information including the generated hash value (2) in the receipt application page.
15. The method of claim 14, wherein the hash value (3)
And a hash value further including the recipient's mobile phone number.
The method of claim 1,
And the character string of the remitter is included.
The method according to claim 1,
Wherein the receipt application page further comprises a real name confirmation interface for confirming the real name of the recipient,
After providing the acceptance application page with the recipient's handset,
Further comprising the step of performing the real name verification procedure of the recipient in cooperation with the real name confirmation interface of the receipt application page.
The method according to claim 1,
Upon creating the receipt application page,
Accepting or confirming a recipient-side disposable forwarding number for receiving the 3-1 text message from the recipient's handset;
And mapping the recipient's mobile phone number and the recipient's disposable recipient number,
Further comprising the step of including the function of sending the 3-1 terminal message through the telephone network by making the recipient's disposable number as the receiver on the receipt application page.
19. The method of claim 18,
Confirming a third-type text message received from the recipient's mobile phone number mapped to the recipient-side disposable forwarding number to the recipient's disposable forwarding number via the telephone network;
Confirming a hash value (4) included in the 3-1 text message; And
And authenticating the validity of the hash value (4) using at least one of the information included in the acceptance application page and the information contained in the acceptance application. How to trade.
20. The method of claim 19,
Wherein the receipt application page includes a hash value (3) hash of information including the string of the remitter,
Wherein the hash value (4) includes the hash value (3).
20. The method of claim 19,
Wherein the receipt application page includes a hash value (3) hash of information including the string of the remitter,
Wherein the hash value (4) comprises at least one information included in the receipt application and a value obtained by hashing the hash value (3) with a specified hash algorithm.
20. The method of claim 19,
Wherein the hash value (4) comprises a value obtained by hashing at least one piece of information included in the receipt application with a specified hash algorithm.
A system implemented through a server capable of communicating with a mobile phone,
A first message confirming unit for confirming a first text message received via a telephone network including a character string of a remitter who freely input by a remitter on a remitter phone, to a designated representative telephone number;
A remittance page generating unit for generating and storing a remittance application page including a remittance application interface for displaying the character string of the remitter in the one-side area and creating the remittance application form of the remitter;
A second message sending unit for generating a second text message including a connection address of the remittance application page and sending the second text message to the remitter's mobile phone through a telephone network;
A remittance page providing unit for receiving the second text message via the telephone network and providing the remittance application page to the remitter's mobile phone accessing the remittance application page through the data network;
A remittance application receiving unit which receives the remittance application page and receives a remittance application form including a remittance amount and a remitter's mobile number from the remitter's mobile phone exposed to the character string of the remitter through the data network via the remittance application page;
A receipt page generation unit for generating and storing an acceptance application page including an acceptance application interface for displaying the string of the remitter on one side area and creating a receipt application for the recipient;
A third message sending unit for generating a third text message including a connection address of the receipt application page and sending the third text message to a recipient's mobile phone corresponding to the recipient's mobile phone number through a telephone network;
A receiving page providing unit for receiving the third text message via a telephone network and providing the receiving application page to a recipient's mobile phone connected to the access address of the receiving application page through a data network;
An acceptance application receiving unit receiving the acceptance application page and receiving the acceptance application created through the acceptance application page from the recipient's mobile phone exposed to the character string of the remitter via the data network; And
And a remittee transaction unit for executing the remittance of the remittance amount by combining the remittance application form and the remittance application form.
KR1020160020552A 2016-02-22 2016-02-22 Method and System for Providing Remittance Transaction by using Short Message Service KR20170098528A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102462625B1 (en) * 2022-04-11 2022-11-03 주식회사 엠투벤처스 System and method for remittance based on blockchain using web document and computer program for the same
KR20230172988A (en) 2022-06-16 2023-12-26 신용현 Artificial intelligence that creates emotional writing with detected natural scenery images

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102462625B1 (en) * 2022-04-11 2022-11-03 주식회사 엠투벤처스 System and method for remittance based on blockchain using web document and computer program for the same
KR20230172988A (en) 2022-06-16 2023-12-26 신용현 Artificial intelligence that creates emotional writing with detected natural scenery images

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