KR20180004447A - Method and System for Providing Remittance Transaction by using Short Message Service - Google Patents

Abstract

The present invention relates to a method and a system for providing financial service. The method for providing financial service according to the present invention, as a method conducted through a server capable of communicating with a mobile phone, comprises: a first step of checking a first text message sent to a designated telephone number through a telephone network, which includes strings inputted by an applicant for financial service through a mobile phone of the applicant for financial service; a second step of creating and storing a page for financial service to be transmitted to the mobile phone of the applicant for financial service, which includes an interface for application for financial service, where the applicant for financial service fills in an application foam for financial service, and creating and transmitting a second text message including an access address to the page for financial service through a telephone network to the mobile phone of the applicant for financial service; a third step of providing the page for financial service to the mobile phone of the applicant for financial service, which receives the second text message through the telephone network and then makes an access by using the access address of the page for financial service through a data network; a fourth step of receiving the application form for financial service filled in on the page for financial service through the data network from the mobile phone of the applicant for financial service, where the page of financial service was received and outputted; and a fifth step of taking actions to provide financial service corresponding to the received application form for financial service. According to the present invention, financial service is available without installing a separate application.

Description

Technical Field [0001] The present invention relates to a method and system for providing financial services,

The present invention is a method for checking a first text message received through a phone number through a telephone network including a character string inputted by a financial service requestor through a mobile phone of a financial service request, Generates a second text message including a connection address of the stored financial service page, and transmits the generated second text message to the mobile phone of the financial service request through the telephone network, A second service provider for receiving a second text message via a data network and accessing a connection address of a financial service page through a data network; Financial services page through the data network from the side mobile phone And a method and system for processing such that a financial service corresponding to the received financial service application is provided.

Recently, a service has been proposed in which a sender requests a remittance transaction to a recipient's mobile phone and provides remittance transactions based on information input through a recipient's mobile phone when a remitter inputs a remittee's cell phone number and applies for a remittance transaction Patent Publication No. 2012-0132729 (2012.12.10)).

This conventional mobile phone number-based remittance transaction can be performed later, but it is not only necessary for the remitter to become a member but also it is possible to apply for a remittance transaction after installing the app, There are difficulties in activating the service due to inconvenience. Also, companies that provide the service are in need of a lot of money for marketing expenses to solve the problem of distribution of the app.

Recently, a variety of simple remittance services utilize a text message to provide a non-member receiving service when viewed from a recipient's viewpoint, and a text message containing the remitted information includes a URL link. However, the URL link included in the text message has a problem of smoothing, which is a recent issue, and there is also a part that is burdened to use the URL link from the payee's point of view.

In addition to remittance services, various types of financial services exist, but most of the financial services provided under the smartphone environment are services such as remittance / receipt, internet banking, and simple settlement. As mentioned above, there is a problem of distributing the app environment characteristics.

As a result, there are difficulties in solving the two factors of the restriction of the app environment and the characteristic of the app environment.

An object of the present invention to solve the above problems is to provide a method and system for checking a first text message received through a phone number through a telephone network including a character string inputted by a financial service requester through a mobile phone, The financial service requester generates and stores a financial service page including a financial service application interface for creating a financial service application, generates a second text message including a connection address of the stored financial service page, Providing a financial service page stored in a mobile phone of a financial service requester which accesses a financial service page access address through a data network after receiving a second text message through a telephone network, Receiving the service page and outputting the financial service request A financial service application prepared through a financial service page through a data network, and a financial service corresponding to the received financial service application is provided.

It is another object of the present invention to provide a financial service page that further includes a third party information interface for inputting information about the third party when a third party's action is required for the requested financial service, And to provide a method and system for performing the method.

It is a further object of the present invention to provide a method and system for providing financial services in which when a financial service request is entered in the first text message or a character string is provided through a guidance message to a mobile phone that has transmitted the first text message, And processing the string to be displayed in one side region of the financial service page when the page is generated.

It is still another object of the present invention to provide a method and system for generating a hash value (1) by generating a hash value (1) hashed by the specified hash algorithm at the time of generating the financial service page, The method further comprising the step of:

It is still another object of the present invention to provide a method and system for providing a financial service to a financial service provider, the method comprising the steps of: assigning or confirming a disposable call number to be provided to a financial service requesting party for receiving a second- , Mapping the mobile phone number on the side of the financial service request to the disposable call number to be provided on the side of the financial service request, and transmitting the disposable call number to the financial service page to the receiving side, And sending a second-1 text message through the second text message.

A method of providing a financial service according to the present invention is a method executed through a server capable of communicating with a mobile phone, comprising the steps of: receiving a financial service request through a mobile phone A financial service page including a financial service application interface for creating the financial service application, which is the financial service request to be transmitted to the mobile phone of the financial service requesting party, is generated and stored A second step of generating a second text message including a connection address of the financial service page and transmitting the second text message to the mobile phone of the financial service requester through a telephone network; Financial services that connect to the access address of the financial services page through the network. A third step of providing the financial service page with a mobile phone, a third step of receiving the financial service page from the mobile phone, which is the financial service request output by receiving the financial service page, And a fifth step of processing the received financial service application so that a financial service corresponding to the received financial service application is provided.

In the method for providing a financial service according to the present invention, the financial service page may include a third party for inputting information about the third party, when the third party's action is required, And an information interface.

A method for providing a financial service according to the present invention includes a step of adding a financial service request addition interface for creating a financial service addition request form by a third party designated by a financial service requestor for processing the financial service request for the financial service request Generates a third text message including a connection address of the financial service addition page, and transmits the third text message to the third party mobile phone corresponding to the third party mobile phone number designated by the financial service requestor via the telephone network And sending the processed data to the server.

The third aspect of the present invention is a method for providing a financial service, the method comprising the steps of: when a third party mobile phone receives the third text message through a telephone network and then accesses a connection address of the financial service addition page through a data network, Providing a financial service addition page corresponding to a connection address of the financial service addition page; receiving a financial service addition page from the third party mobile phone through a data network; Further comprising a financial service addition application received from the third party mobile phone when processing to provide a financial service corresponding to the financial service application received from the mobile phone of the financial service requesting party, Service requests are processed to provide financial services to It characterized by further comprising the steps:

The second step may include inputting a character string in which the financial service request is input in the first text message or transmitting the text message to the mobile phone that has transmitted the first text message, And processing the character string to be displayed on the one-side area of the financial service page when the financial service page is generated, when the character string is provided through the character string.

In the method of providing a financial service according to the present invention, the guidance message may be provided by sending a text message to a calling number of a mobile phone that has transmitted the first text message, And a voice message.

A method of providing a financial service according to the present invention includes the steps of: generating a hash value (1) hashed by the specified hash algorithm when generating the financial service page; and storing the generated hash value (1) The method comprising the steps of:

The hash value (1) may be a character string to which a financial service request is input in the first text message or a character string And a hash value including at least one of

The financial service page may further include a real name confirmation interface for confirming the real name of the financial service request. The financial service page may further include a real name confirmation interface, And performing a real name verification process of the financial service request in cooperation with a real name confirmation interface of the financial service page.

The method of providing a financial service according to the present invention is characterized in that when generating the financial service page, a disposable call number to be provided to the financial service requesting side for receiving the second-tier text message from the mobile phone, Mapping a disposable call number to be provided to the financial service requesting party and a disposable call number to be provided to the financial service requesting party on the financial service page to the receiving party And sending the second-1 text message through the telephone network.

In the method of providing a financial service according to the present invention, the fourth step may further include a step of providing a financial service request from the financial service request side mobile phone number mapped with the disposable call number provided on the side of the financial service request side, Identifying a hash value (2) included in the second-1 text message; and comparing the information contained in the financial service page with the financial service And authenticating the validity of the hash value (2) using at least one of the information included in the application.

In the method for providing a financial service according to the present invention, the financial service page includes a hash value (1) hashed by a specified hash algorithm, and the hash value (2) And a value obtained by hashing the hash value (1) by a specified hash algorithm.

The method of providing a financial service according to the present invention is characterized in that the financial service addition page further includes a real name confirmation interface for confirming a real name of a third party designated by the financial service requestor, Further comprising the step of performing a blindness check process of a third party designated by the financial service requestor in association with the blindness confirmation interface of the financial service addition page after providing the financial service addition page.

In the method for providing financial services according to the present invention, the financial service application may further include an interface for inputting a character string to be transmitted to the third party side in the financial service application prepared by the financial service requestor, And a character string to be transmitted to the third party side.

In the method for providing financial services according to the present invention, the financial service application may further include an interface for inputting a character string to be transmitted to the third party side in the financial service application prepared by the financial service requestor, And a character string to be transmitted to the third party is displayed in the first area.

A method for providing a financial service according to the present invention is characterized in that, when the financial service addition page is generated, a third party side designated by a financial service request for receiving a third- And a disposable destination number to be provided to the third party side designated by the financial service requestor; and a step of mapping the disposable destination number to be provided to the third party side, Further comprising the step of including, in the financial service addition page, a function of sending the 3-1 text message through the telephone network, with the disposable call number to be provided to the third party designated by the requesting user of the money service as the receiver side .

A method for providing a financial service according to the present invention is a method for providing a financial service through a telephone network from a third party mobile phone number designated by a financial service requestor mapped to a disposable call number provided on a third party side designated by the request for a financial service, Checking a hash value (4) included in the third-letter text message and checking whether the hash value (4) is included in the third-party text message; Authenticating the validity of the hash value (4) using at least one of the information included in the page and the information included in the financial service addition application.

In the method for providing a financial service according to the present invention, the financial service addition page includes a hash value (3) hashed by a specified hash algorithm, and the hash value (4) And a value obtained by hashing one piece of information and the hash value (3) with a specified hash algorithm.

Meanwhile, a financial service providing system according to the present invention is a system implemented through a server capable of communicating with a mobile phone. The system includes a character string input by a financial service requestor through a mobile phone, And a financial service application interface for creating a financial service application which is the financial service request to be transmitted to the mobile phone of the financial service requesting party, A second message sending unit for generating a second text message including a connection address of the financial service page and transmitting the generated second text message to the mobile phone of the financial service request via the telephone network; , Receives the second text message via the telephone network, A financial service page providing unit for providing the financial service page to a mobile phone of a financial service requester connecting to a connection address of a financial service page through a network; A financial service application receiving unit for receiving the financial service application created through the financial service page, and a financial service processing unit for processing the financial service corresponding to the received financial service application to be provided.

In the financial service providing system according to the present invention, the financial service page may include a third party for inputting information about the third party, when the third party's action is required, And an information interface.

The financial service providing system according to the present invention may further include a financial service request addition interface for creating a financial service addition request form by a third party designated by the financial service request requestor for processing the financial service request for the financial service request A financial service addition page generating unit for generating and storing a financial service addition page and a third text message including a connection address of the financial service addition page and generating a third text message including a third party mobile phone number And a third message forwarding unit for forwarding the message to the corresponding third party mobile phone.

When the third party mobile phone accesses the connection address of the financial service addition page through the data network after receiving the third text message through the telephone network, A financial service addition page providing unit for providing a financial service addition page corresponding to a connection address of the financial service addition page; and a control unit for receiving the financial service addition page, A financial service additional page receiving unit for receiving the financial service addition request created through the financial service request receiving unit, and a financial service corresponding to the financial service application received from the mobile phone of the financial service requesting party, The financial service further includes a service addition application And a financial service processing unit for processing the request signal to provide the financial service to the requestor.

According to the present invention, a financial service requesting mobile phone sends a text message to a designated telephone number through a telephone network, and receives a financial service using a URL included in a response text message for the sent text message, It is possible to use financial services without installing additional apps on the mobile phone of the person requesting the financial service.

According to the present invention, when a financial service request is provided by a party who requests a financial service or a financial service is provided by receiving additional information on a third party designated by a financial institution, the third party also receives a text message The additional information necessary for the financial service can be conveniently provided to the third party's mobile phone without installing an additional app by acquiring the information necessary for the financial service requestor to receive the financial service using the URL included in the third party's mobile phone.

According to the present invention, upon receipt of a text message received as a response after sending a text message to a designated telephone number, a financial service requestor adds a free text string to the text message to be sent in response to the financial service request It is possible to recognize that the URL link included in the text message received in response is a secure URL link.

According to the present invention, when a text message is transmitted to a telephone number designated by a financial service request in a page one-sided region corresponding to a URL link provided to a financial service requester, It is possible.

According to the present invention, when a financial service application is created through a financial service page in a mobile phone of a financial service request, and a financial service application is transmitted through a data network, It is possible to authenticate the legitimacy of the financial service application received through the data network by receiving the text message including the hash value designated by the user.

According to the present invention, when a third-party mobile phone designated by a financial service requestor creates a financial service addition application through a financial service addition page and transmits the application through a data network, the third- It is possible to authenticate the legitimacy of the financial service addition application received through the data network by receiving a text message including the hash value designated from the third party mobile phone designated by the financial service requestor using a possible separate telephone network.

1 is a diagram illustrating a configuration of a financial service providing system according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a process of requesting a financial service from a mobile phone, which is a financial service requesting party, to request a financial service according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of providing a financial service page to a financial service requesting mobile phone and receiving a financial service application in order to provide a financial service according to an embodiment of the present invention.
4 is a flowchart illustrating a process of a financial service request for providing a financial service according to an embodiment of the present invention.
FIG. 5 is a diagram illustrating a process of exchanging a text message with a mobile phone of a third party according to a third party's action in a process of providing a financial service according to an embodiment of the present invention.
6 is a diagram illustrating a process of providing a financial service addition page to a third party's mobile phone according to a third party's action in a financial service provision process according to an embodiment of the present invention.
7 is a diagram illustrating a process of receiving a financial service addition application from a third party's mobile phone for providing a financial service according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a third-party process for providing a financial service in a financial service request 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 financial service providing system according to an embodiment of the present invention.

More specifically, FIG. 1 illustrates a method of providing a financial service requested by a financial service requestor using a text message exchanged via a telephone network, wherein an uncomfortable application based on a mobile web browser built in a mobile phone used by a financial service requestor The installation procedure is omitted and the access address of the financial service desired by the customer is provided as a text message to eliminate the hassle of searching for the desired financial service through the menu search and included in the text message transmitted by the financial service requester A financial service requester using a part or the whole of a freely inputted character string as an authenticator to provide financial services without smearing misunderstanding. As a person skilled in the art, Referring to FIG. 1, the financial service provision system (For example, a method in which at least one of some components, omissions, subdivisions, and couplings are applied) can be inferred, but the present invention encompasses all of the above- The technical features thereof are not limited only by the method shown in FIG.

The system of the present invention comprises a mobile phone (102), which is a financial service request used by a financial service requesting party, and a third party, when the financial service requested by the financial service requesting party requires action by a third party, Or a third party requested by an organization providing financial services (hereinafter referred to as a third party designated by the request of a financial service referred to in the present invention includes a third party requested by an organization providing financial services, unless otherwise specified) Side mobile phone 104 used by the financial service requesting side and the third party side mobile phone 104 designated by the financial service requesting side mobile phone 102 or financial service requesting person through a designated message server (not shown) And a third party mobile phone 104 designated by the financial service mobile phone or the financial service requesting party, via the data network, Provides relevant pages including the possible production server (100). In the present invention, the financial service requester and the third party are terms for distinguishing the third party from the requesting party requesting the financial service and the third party providing additional information necessary for providing the financial service, .

The financial service requesting side mobile phone 102 is a collective term for a wireless communication device used by a financial service requesting party and preferably has a function of accessing 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- Respectively. According to the embodiment of the present invention, the mobile phone 102, which is the financial service requesting side, can transmit and receive a text message via the telephone network, receives and outputs various pages via the data network, To the designated server. Preferably, the financial service request side mobile phone 102 may include a feature phone, a smart phone, etc., utilized by the financial service requestor.

The third party mobile phone 104 is a collective term of a wireless communication device used by a third party side designated by the financial service requestor and is preferably a telephone network for transmitting and receiving a voice call and a text message, And has a function of multiple access to the network. According to an embodiment of the present invention, the third party mobile phone 104 is capable of sending and receiving text messages via a telephone network, receiving and outputting various pages via a data network, To a designated server. Preferably, the third party mobile phone 104 may include a feature phone, a smart phone, and the like that the third party uses.

The operating server 100 provides a financial service through the exchange of text messages via the telephone network with the mobile phone 102, which is the financial service request side, and the exchange of pages and information via the data network, (For example, a Message Oriented (MO) server) as a generic name of a server for providing financial services through exchange of text messages via the mobile phone 104 and a telephone network and exchange of pages and information via the data network, A text message exchange procedure via the telephone network 102 or the third party mobile phone 104 and the telephone network through the service requesting server 102 or the third party telephone network 102, (104) to provide a page related to the financial service via the data network; a step of providing a page related to the financial service from the mobile phone (102) Perform the procedure given for one or more of the procedures for providing financial services on the basis of the information entered or selected by the image. The operating server 100 of the present invention is a general term of a server-side configuration for performing one or more server-side procedures designated to provide a financial service 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 financial service requesting side mobile phone 102 to the third party side mobile phone 104 Or a combination of two or more servers, and is not specifically limited by a particular physical server.

Referring to FIG. 1, the operating server 100 transmits a first text message to a designated telephone number through a telephone network in a mobile phone 102, which is a financial service requesting side, A financial service page creation unit for creating a financial service page including a financial service application interface for creating a financial service application and requesting the financial service to store the generated financial service page in a designated storage area, And a second message sending unit (114) for generating a second text message including a connection address of the financial service page and sending the second text message to the mobile phone (102) A hash value generation unit 116 for generating a hash value (1) hashed by a specified hash algorithm; A calling party number confirmation unit 118 for assigning or confirming a disposable call number to be provided to a financial service requesting party for receiving a message, And a called party number management unit 120 that manages and maps the received call information.

In order to use the financial service according to the present invention, the financial service requester activates a text message sending function among the mobile phone functions of the financial service request, inputs the designated telephone number to the receiver, Request to send a text message. Preferably, the designated telephone number includes a telephone number that is exposed to the financial service applicant for sending the first text message for providing the financial service according to the present invention. That is, the person who sends the first text message for sending the designated telephone number to the receiver is regarded as the financial service requesting person according to the present invention.

According to an embodiment of the present invention, the financial service requestor freely inputs a character string to be transmitted through a first text message according to its own will, and the freely input character string is a command for requesting a financial service (for example, And a remittance or sending instruction when a service requestor requests a remittance transaction). According to an embodiment of the present invention, the free text string input by the financial service requester can be recognized as a character string inputted by the financial service requester, and is transmitted to a third party designated by the financial service requester, It is preferable to include a word or sentence that can recognize that the service requestor is the input string.

The financial service requesting side mobile phone 102 transmits the first text message input by the financial service requesting person through the telephone network to the designated telephone number, and the message server (not shown) to which the designated telephone number is allocated And receives a first text message sent from the financial service requestor.

The first message checking unit 110 checks the first text message received at the designated telephone number in cooperation with the message server (not shown), and transmits the first text message's calling number (= The number of the mobile phone 102) and the character string of the financial service request included in the first text message. Here, the character string included in the received first text message may be stored and maintained in a storage area designated for a predetermined period (for example, a time when the processing of the financial service requested by the financial service request is completed, etc.) (I.e., the organization that operates the operation server 100, etc.) providing services.

According to the embodiment of the present invention, details of what kind of financial service request is to be made at the time of checking the first text message through the first message checking unit 110 are not known, The mobile phone number corresponding to the calling number sent from the mobile phone 102 is regarded as the mobile phone 102 of the financial service requesting side. However, depending on the contents of the character string included in the first text message, the financial service type (for example, remittance transaction) to be requested by the financial service requestor can be confirmed.

When the first SMS message is confirmed through the first calling number identification unit, the financial service page generation unit 112 is provided to the mobile phone 102, which is a financial service requesting side, to generate a financial service page for creating a financial service application And stores the generated financial service page in a designated storage area (for example, a financial service page URL).

According to the first financial service page embodiment of the present invention, the financial service page generation unit 112 generates a financial service page including a financial service application interface for creating the financial service application, which is the financial service request, It is possible that the string of the financial service request is exposed and displayed in the one-sided region on the financial service page. That is, when the character string of the financial service request is exposed in the one-side area on the financial service page, the financial service requestor who has received the financial service page later receives the financial service page for the financial service requested by the user It can be recognized that this is a valid page for creation.

The financial service application interface according to the present invention may be provided by providing a menu for selecting a type of financial service desired to be used by the primary financial service requestor and being divided into interfaces corresponding to the selection of a financial service type as a menu provided. However, if a financial service type desired by a financial service request is selected and transmitted through a character string included in the first text message, a menu providing process for selecting a type of financial service desired to use the primary financial service request Can be omitted.

According to the embodiment of the second financial service page of the present invention, the hash value generation unit 116 generates hash values (hash values) hashed by the specified algorithm before and after the financial service page creation through the financial service page creation unit 112 1). ≪ / RTI > When the hash value (1) is generated through the hash value generator (116), the financial service page generator (112) generates the hash value (1) in the financial service page including the financial service application interface To generate a financial service page further or insert a hash value (1) after the financial service page is generated.

According to the first hash value generation method of the present invention, the hash value generation unit 116 generates the hash value (1) The service requesting side mobile phone 102 number.

According to the second hash value generating method of the present invention, the hash value generating unit 116 may further include a specified string or an arbitrary string provided through the guidance message providing unit.

According to an embodiment of generating the third hash value (1) of the present invention, at least two or more embodiments among the first to second hash value (1) generation examples may be generated in a combination form.

According to the embodiment of the third financial service page of the present invention, before or after the financial service page is generated through the financial service page generation unit 112, the called party identification unit 118 identifies the called party (Not shown) to the financial service requesting side to receive the second-tier text message from the mobile phone 102, which is the financial service request, Check. If the disposable number to be provided to the financial service requesting party is quoted or confirmed, the called party number managing unit 120 notifies the financial service requesting mobile phone 102 of the disposable number, The numbers are mapped and stored in the designated storage area. When the number of the mobile phone 102 that is the financial service request and the disposable call number to be provided to the financial service requesting party are mapped, the financial service page generating unit 112 generates a financial service page including the financial service application interface And sending the second-1-character message through the telephone network to the financial services user as a disposable destination number to be provided to the financial service requesting party.

According to the fourth financial service page embodiment of the present invention, the financial service page generating unit 112 further includes a real name confirmation interface for confirming the real name of the financial service request in the financial service page including the financial service application interface To create a financial service page.

According to an embodiment of the fifth financial service page of the present invention, when the financial service requested by the financial service requesting person is an action by a third party designated by the financial service request, A third party information interface for inputting information including at least one of a name, a telephone number, and a message to be transmitted to the third party designated by the financial service requestor, and generating a financial service page . The third-party information interface may be provided in an un-inputable state or may be omitted, in which case it may be necessary to conduct an action by a third party designated by the financial institution.

According to the sixth financial service page embodiment of the present invention, the financial service page generating unit 112 generates a financial service page in a form of a combination of a part or all of at least two embodiments among the first to fifth financial service page embodiments You can create a page.

When the financial service page is generated through at least one of the first to sixth financial service page embodiments, the second message sending unit 114 transmits the financial service page generated through the financial service page generating unit 112 A second text message including a connection address of the financial service page is generated, and the second text message is transmitted through the designated message server (not shown) to the financial service request To be sent to the telephone number corresponding to the in-side mobile phone 102. [

According to an exemplary embodiment of the present invention, the access address of the financial service page is a secure access address that is accessible only to the mobile phone 102, which is a financial service request in which the second text message is provided as a secure access address.

According to the first security access address of the present invention, the connection address of the financial service page is generated by hashing the telephone number corresponding to the mobile service requesting the financial service request (that is, the confirmed calling number) Or can be generated according to a specified rule.

According to the second security access address of the present invention, the access address of the financial service page may be a received time value of the first text message sent through the cellular phone of the financial service request, The time value of the first text message may be generated by hashing the specified hash algorithm or may be generated according to the specified rule.

According to the third security access address of the present invention, the access address of the financial service page may be generated by hashing a part or all of the strings included in the first text message by a specified hash algorithm or according to a specified rule .

According to the fourth security access address of the present invention, the access address of the financial service page includes a security access address in the form of a combination of some or all of at least two of the first through third security access address embodiments Can be generated.

Referring to FIG. 1, the operation server 100 receives a second text message through a telephone network, and then accesses a financial service request side mobile phone 102 accessing the financial service page through a data network A financial service page providing unit (122) for providing the financial services page; a service providing unit (110) for receiving the financial service page and generating a financial service application And a financial service processing unit (126) for processing the financial service application to receive a financial service corresponding to the financial service application, wherein the financial service application receiving unit (124) A real name confirmation unit 128, which is a financial service request for performing a procedure, A second-1 message confirmation unit for confirming the second-1 text message received from the mobile phone 102 number, which is the mapped financial service request, to the disposable call number provided on the financial service requesting side via the telephone network 130), a hash value checking unit (132) for checking the hash value (2) included in the second-1 text message, and a hash value checking unit (132) for checking whether the information included in the financial service page And a hash value authentication unit 134 for authenticating the validity of the hash value (2) using the above information.

The financial service request side mobile phone 102 receives the second text message via the telephone network and outputs the received second text message to the screen. When the financial service requestor confirming the second text message requests access to the connection address included in the second text message, the mobile phone 102, which is the financial service requesting user, drives a browser provided in the corresponding mobile phone, To the access address.

The financial service page provider 122 receives the second text message via the telephone network, checks the mobile phone 102, which is a financial service requesting user, to access the connection address of the financial service page through the data network, And provides the financial service page generated through the financial service page generation unit 112 to the mobile phone 102 that is the financial service request side via the data network.

The mobile phone 102 receiving the financial service receives the financial service page and outputs it to the screen. When a character string including a character string to be included in the one-side area of the financial service page is received in the first text message, the character string is exposed in the one-side area of the financial service page, It is possible to recognize that the financial service page is a page provided by the user's financial service request.

Meanwhile, when the financial service page includes the real name verification interface for confirming the real name of the financial service request in the financial service page according to the fourth financial service page embodiment of the present invention, The real name confirmation unit 128, which is the financial service request, can perform a real name verification process of the financial service request in cooperation with the mobile phone 102 of the financial service request, . Preferably, the mobile phone that receives the financial service request receives and transmits the real name confirmation information necessary for confirming the real name of the financial service request through the real name confirmation interface. The real name confirmation unit 128, which is the financial service request, (Not shown) to request authentication, thereby confirming the real name of the financial service request.

(For example, a name of a financial service request, account information that is a request for a financial service, financial service information, etc.) necessary for submitting a financial service through the financial service application interface included in the financial service page, A third party name, a telephone number, etc., when the requesting financial service requested by the requesting financial service is a third party designated by the request of the financial service), and creates a financial service application, When the financial service application is transmitted, the financial service application receiving unit 124 receives the financial service application from the mobile phone 102 requesting the financial service through the data network.

Meanwhile, when the function of sending the 2-1 text message through the telephone network is included in the financial service page as the disposable destination number provided on the financial service requesting side according to the third financial service page embodiment of the present invention , The financial service request side mobile phone 102 generates a 2-1 text message including the hash value (2), sends the disposable call number provided at the financial service request side to the receiver, (2), and the second-1 text message is received by a message server (not shown) provided with a disposable number assigned to the financial service requesting side. Preferably, the second-1-character message is automatically transmitted in conjunction with the transmission of the financial service application at a time point before or after the transmission of the financial service application from the mobile phone 102, which is the financial service requesting side, It is preferable that the sending process of the 2-1 text message is not exposed through the screen of the mobile phone 102 which is the financial service request.

The second-1 message checking unit 130 checks whether the disposable number received by the disposable number received from the financial service request side is interlocked with a message server (not shown) to which the disposable number is provided Confirms the 2-1 text message, identifies the number of the mobile phone 102 that is the financial service request mapped with the disposable call number provided on the financial service requesting side, checks the calling number of the 2-1 text message And matches the number of the mobile phone 102 that is the financial service request. If the second-1-character message is a text message sent from a mobile phone 102 that is a financial service request mapped with a disposable call number provided on the financial service requesting side, the hash value checking unit 132 The hash value (2) contained in the 2-1 text message is confirmed.

If the hash value (1) is included in the financial service page according to the second financial service page embodiment of the present invention, the hash value (2) included in the second- . ≪ / RTI > In this case, the hash value authentication unit 134 may check the hash value 1 included in the financial service 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 mobile phone (102) requesting the financial service via the telephone network, The financial service application received from the in-hand mobile phone 102 may be authenticated as legitimate.

Meanwhile, if the hash value (1) is included in the financial service page, the hash value (2) included in the second-1 character message is information (for example, a financial service request A third party name, a telephone number, and the like, when the financial service request from the financial service requester is requested by the financial service request person, is required), and the hash value (1) may be hashed with the specified hash algorithm. In this case, the hash value authentication unit 134 obtains the hash value (1) included in the financial service page and at least one of the information required for the application of the financial service included in the financial service application, (2) 'is generated based on at least one of the hash value (1) and the information included in the financial service application, so that the validity of the hash value (2) can be authenticated have. When the validity of the hash value (2) is authenticated, at the time of receiving the second-1-character message from the mobile phone (102) requesting the financial service via the telephone network, The financial service application received from the in-hand mobile phone 102 may be authenticated as legitimate.

Meanwhile, the hash value (2) included in the second-letter text message may include a value obtained by hashing at least one piece of information included in the financial service application with a specified hash algorithm. In this case, the hash value authentication unit 134 identifies at least one or more pieces of information applied to the generation of the hash value (2) among the information included in the financial service 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 mobile phone (102) requesting the financial service via the telephone network, The financial service application received from the in-hand mobile phone 102 may be authenticated as legitimate.

According to an embodiment of the present invention, the hash value (2) can be separately transmitted according to the rules specified in the second-tier text message and the financial service application (that is, through the second- It is possible for a portion of the hash value (2) to be transmitted via the data service network (or separate communication) via the data network at the same time (or after) a portion of the hash value (2) is transmitted. In addition, the hash value (2) may be generated by including additional information required for authentication other than the information required for application of the financial service included in the financial service application.

If the legitimacy of the financial service application is authenticated through the second-letter text message after the financial service application is received via the financial service application reception unit 124 or after the financial service application is received, The processing unit 126 processes the financial service corresponding to the financial service application to be provided in the financial service request.

According to an embodiment of the present invention, the financial service processing unit 126 processes the financial service requested by the financial service requestor based on the financial service application to be provided in the financial service request, (Not shown) or a separate server (not shown).

According to an embodiment of the present invention, the financial service processing unit 126 processes the financial service request requested by the financial service requestor on the basis of the financial service application, It can be switched to the action request state of the third party designated by the requestor.

According to the method for processing a remittance transaction request during a financial service request according to the present invention, a temporary account of a financial service requestor is confirmed or generated (or processed to be generated) based on the information included in the financial service application, (Or processed) so as to make a first deposit to the temporary account of the financial service requester who has withdrawn the withdrawal request amount from the withdrawal account included in the financial service request or the previously designated withdrawal account of the financial service request, It is possible that the remittance transaction request requested by the financial service requestor is accepted and converted to the third party's action request state designated by the financial service requestor.

If the information of the third party designated by the financial service requester includes the account information among the information included in the financial service application, it is preferable that the action of the third party designated by the financial service requestor is not necessary. It is possible to obtain and consent to the acceptance of the third party designated by the financial service requestor in accordance with the provision policy from a third party designated by the financial service requestor.

Also, if the information of the third party designated by the financial service requestor includes the account information in the information included in the financial service application, it can be processed so as to be remitted directly without going through the temporary account of the financial service requestor.

If the information of the third party designated by the financial service requestor includes the account information, the third party, which is the third party designated by the financial service requestor via the temporary account of the financial service requestor, It can be remitted to the account of the third party specified by the financial service requestor.

On the other hand, if the information of the third party designated by the financial service requesting party among the information included in the financial service application is a telephone number instead of the account information, the first payment is made to the temporary account of the financial service requesting person, The second payment can be processed to a temporary account that is confirmed or created based on the telephone number of a third party designated by the financial service requester and the second payment can be processed after the second payment has been completed, May be received and converted into a third party's behavior request state designated by the financial service requestor.

If the third party name and telephone number information included in the information of the third party designated by the financial service requesting party included in the financial service application and the name and telephone number stored in the storage area designated by the operation server 100 It is possible to assign and process a temporary account for a third party designated by the financial service requester on the basis of information of a third party included in the received financial service application, Preferably, the stored name, phone number, and mapped temporary account are one deactivated so that the activated temporary account mapped to one phone number is one.

In addition, after processing the remittance transaction in accordance with the financial service application, it may be determined that a predetermined period (for example, three business days) elapses from the state of the third party's action request state designated by the financial service requestor, The financial transaction processing unit waits after depositing the requested amount of money in the temporary account of the financial service requester in accordance with the remittance transaction request processing method of the financial service request of the present invention, It is possible to deposit money into the withdrawal account included in the financial service request or the withdrawal account designated by the financial service request person.

If the temporary account of the financial service requester or the temporary account of the third party designated by the financial service requester is not confirmed at the time of the remittance transaction processing according to the financial service application, A new account for a service request or a third party designated by the financial service requestor is opened and sets the newly opened account as a temporary account of the third party designated by the financial service requestor or the financial service requestor It is possible to do.

According to an embodiment of the present invention, when the received financial service requestor can not open a temporary account based on information on a third party provided through the financial service application, a new account is temporarily opened and the received financial service It is possible to temporarily assign the requestor to a temporary account for the third party provided through the financial service application, and it is then possible to set it as a temporary account for the third party after the process of confirming the blindness.

Referring to FIG. 1, when the requesting financial service requested by the financial service requester is an inquiry by a third party designated by a request for a financial service, the operation server 100 requests the financial service, A financial service addition for creating a financial service addition page including a financial service request addition interface for creating a financial service addition request by a third party designated by the financial service requestor for processing a service application and storing the added financial service in a designated storage area; A page generating unit 136 for generating a third text message including a connection address of the financial service addition page and generating a third text message including a connection address of the third party mobile phone 104 And a third message forwarding unit 138 for forwarding the hash value (3), which is hashed by the specified hash algorithm, to the third message forwarding unit 138 To be provided to a third party side designated by the financial service requesting person for receiving the 3-1 text message from the financial service requesting side mobile phone (102), the hash value generating unit (116) And a called party number management unit 120 for managing and managing the third party mobile phone number designated by the financial service requestor and the dispossession number confirmed or confirmed by the calling party number identifying unit 118 .

When the requesting financial service requested by the financial service requestor becomes a state requiring the third party to specify the financial service request, the financial service addition page generating unit 136 generates the financial service addition page, Side mobile phone 104 to generate a financial service addition page for creating a financial service addition application and stores the generated financial service addition page in a designated storage area (for example, a financial service addition page URL) do.

According to an embodiment of the first financial service addition page of the present invention, the financial service addition page generating unit 136 includes a financial service request addition interface for creating a financial service addition request by a third party designated by the financial service request Create a Financial Services Add-On page.

According to an embodiment of the present invention, when a message to be transmitted to a third party designated by a financial service requestor is included according to the fifth financial service page embodiment, It is possible to generate some or all of the messages to be delivered to the designated third party side by including the messages in the one-side region on the financial service additional page.

According to an embodiment of the second financial service addition page of the present invention, the hash value generation unit 116 hashes the hash value with the designated algorithm before and after the financial service addition page is generated through the financial service addition page generation unit 136 A hash value (3) can be generated. If the hash value (3) is generated through the hash value generator (116), the financial service addition page generator (136) generates the hash value (3) in the financial service addition page including the financial service request addition interface (3) to create a financial service addition page or insert a hash value (3) after the financial service addition page is created.

According to the first hash value generation method of the present invention, when the hash value (3) is generated by the specified algorithm, the hash value generation unit (116) The third party mobile phone number designated by the financial service request corresponding to the third party mobile phone number.

According to the second hash value generation example of the present invention, the hash value generation unit 116 may generate a hash value of the financial service request by partially or entirely storing retention information (e.g., name, telephone number, etc.) Can be generated.

According to an embodiment of generating the third hash value (3) of the present invention, the hash value generating unit (116) generates a hash value according to the fifth financial service page in which a message to be delivered to a third party A message to be transmitted to the third party designated by the financial service requestor can be further generated.

According to the third hash value generation example of the present invention, a part or all of at least two embodiments among the first to third hash value generation examples may be combined.

According to the embodiment of the third financial service addition page of the present invention, before or after the financial service addition page is generated through the financial service addition page generation unit 136, the called party identification unit 118 identifies Or a message service server (not shown)), a financial service request for receiving the 3-1 text message from the third party mobile phone 104 designated by the financial service requestor Dispatch or confirm the one-time-use destination number to be provided to the specified third party. If the disposable number to be provided to the third party designated by the financial service requestor is assigned or confirmed, the called party number managing unit 120 notifies the third party's mobile phone number designated by the financial service requestor and the financial service request The disposable destination number to be provided to the designated third party side is mapped and stored in the designated storage area. When the third party mobile phone number designated by the financial service requestor and the disposable call number to be provided to the third party designated by the financial service requestor are mapped, the financial service addition page generating unit 136 generates the financial service addition page, Further comprising a function of sending the third-tier text message via the telephone network by making a disposable destination number to be provided to a third party designated by the financial service requestor as a receiver on a financial service addition page including a request addition interface You can create an additional financial service page.

According to an embodiment of the fourth financial service addition page of the present invention, the financial service addition page generation unit 136 may generate a financial service addition page by adding a financial service addition page to the financial service addition page, A financial service addition page can be created by further including a real name confirmation interface for confirming the real name.

According to an embodiment of the fifth financial service addition page of the present invention, the financial service addition page generation unit 136 may generate a financial service addition page by combining a part or all of at least two embodiments among the first to fourth financial service addition page embodiments Of financial service addition pages.

When the financial service addition page is generated through at least one of the first to fifth financial service addition page embodiments, the third message transmission unit 138 transmits the financial service addition page to the financial service addition page generation unit 136, A third text message including a connection address of the financial service addition page is generated, and a message is transmitted to the telephone network through a designated message server (not shown) To the third-party mobile phone 104 designated by the financial service requestor.

According to the method of the present invention, when a message to be delivered to a third party designated by the financial service requestor is included according to the fifth financial service page embodiment, the third text message is transmitted to the third party, The third party designated by the financial service requester who has received the third text message may request the financial service request other than the smsing message, It is possible to recognize that it is a legitimate message to prepare a financial service addition application for a requested financial service.

Referring to FIG. 1, the operation server 100 receives the third text message through a telephone network, and then transmits the third text message to a third party A financial service addition page providing unit (140) for providing the financial service addition page to the mobile phone (104) from the third party side mobile phone (104) and receiving the financial service addition page from the third party mobile phone A financial service addition application receiving unit (142) for receiving a financial service addition application created through the financial service addition page through a data network; and a control unit And a financial service processing unit (126) for processing the financial service to be provided further including the service addition request, A third party real name verification unit 144 for performing a third party real name verification process of the third party designated by the financial service requestor in conjunction with the additional financial service addition page, And a third-party text message received from the third-party mobile telephone number designated by the financial service request mapped by the financial service requestor, A hash value confirmation unit 132 for confirming a hash value (4) included in the third-letter text message, and a hash value confirmation unit (132) The hash value authentication unit 134 may authenticate the validity of the hash value 4 using at least one of the information included in the hash value.

The third party mobile phone 104 designated by the financial service requestor receives the third-1 character message via the designated telephone network and outputs it to the screen. When a third party designated by the financial service requesting party confirming the third-letter text message requests access to the connection address included in the third-character text message, the third-party mobile phone 104 Operates the browser provided in the mobile phone and accesses the connection address through the data network.

The financial service additional page providing unit 140 receives the third-letter text message via the telephone network, and then transmits the third-character text message to the third party designated by the financial service requesting person accessing the access address of the financial service addition page through the data network Side mobile phone 104 and provides the financial service addition page generated through the financial service addition page generation unit 136 to the third party mobile phone designated by the financial service requestor via the data network.

The third party mobile phone 104 specified by the financial service requestor receives the financial service addition page and outputs it to the screen. If a message to be delivered to a third party designated by the financial service requestor is included according to the fifth financial service page embodiment, a message to be delivered to a third party designated by the financial service requestor The third party designated by the financial service requestor is able to recognize that the financial service addition page is the page provided by the financial service request of the financial service request.

In the case where the financial service addition page includes a real name confirmation interface for confirming the real name of a third party designated by the financial service requesting person according to the fourth financial service addition page embodiment of the present invention, The third party's real name confirmation unit 144 can perform the third party's real name verification process of the third party designated by the financial service requester through the real name confirmation interface, And executes the third party's name verification process in cooperation with the third party mobile phone 104 by the financial service requester. Preferably, the third party mobile phone 104 designated by the financial service requestor receives and transmits the real name confirmation information required for a third party's real name verification designated by the financial service requestor through the real name confirmation interface, The real name verification unit 144 may receive the real name verification information and provide the real name verification information to the designated real name verification server to request authentication, thereby confirming the real name of the third party designated by the financial service requestor.

In the case where the financial service requested by the financial service requestor is a remittance transaction, at the time of verifying the real name of the third party designated by the financial service requesting person, the third party designated by the financial service requestor, through the financial service processing unit 126, It is preferable that the newly issued temporary account is set as a temporary account in which the real name confirmation has been completed as the temporary account for the third party designated by the financial service requesting person as the newly issued temporary account.

The method comprising: confirming a real name of a third party designated by the financial service requesting party based on the information included in the received financial service addition application and confirming or creating a temporary account for the identified third party; It is possible to do.

The third party's mobile phone 104 designated by the financial service requestor transmits information (for example, a name of a third party, a telephone number of a third party, (Eg, account information in the case of a remittance transaction, etc.) required by the financial service requester, such as the number, date of birth, etc., of the financial service, When the created financial service application is transmitted, the financial service addition application receiving unit 142 receives the financial service addition application from the third party mobile phone 104 designated by the financial service requestor through the data network.

Meanwhile, according to the third financial service addition page embodiment of the present invention, the disposable destination number provided on the third party side designated by the financial service requestor on the financial service addition page is set as the receiver side, The third party mobile phone 104 designated by the financial service requestor generates a third character message including the hash value (4), and when the function specified by the financial service requestor A third-party text message including the hash value (4) is sent via the telephone network to the third party text message, the third-party text message being a disposable forwarding number provided to the third party, And is received by a message server (not shown) provided with a disposable destination number provided on the third party side. Preferably, the third-letter text message is associated with the transmission of the financial service addition application at a point in time before or after the transmission of the financial service addition application from the third-party mobile phone 104 designated by the financial service requesting person It is preferable that the third-texting message sending process is not exposed through the screen of the third-party mobile phone 104 specified by the financial service requesting person.

The third-party message checking unit 146 checks the third-party message requested by the financial service requestor in cooperation with a message server (not shown) provided with a disposable call number provided on the third party side Side mobile telephone number designated by the financial services request mapped to the disposable call number provided on the third party side designated by the financial service requestor, And confirms the originating number of the 3-1 text message and verifies whether it matches the third party mobile phone number designated by the financial service requestor. If the third-letter text message is a text message sent from the third-party mobile phone 104 designated by the financial service request mapped with the disposable call number provided on the third party side specified by the financial service request, The hash value check unit 132 checks the hash value (4) included in the second-1 text message.

If the hash value (3) is included in the financial service addition page according to the second financial service addition page embodiment, the hash value (4) included in the third- . ≪ / RTI > In this case, the hash value authentication unit 134 may check the hash value 3 included in the financial service addition 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, at the time of receiving the third-letter text message from the third-party mobile phone (104) designated by the financial service requestor via the telephone network, The financial service addition application received from the third party mobile phone 104 designated by the financial service requestor may be authenticated as legitimate.

Meanwhile, if the hash value (3) is included in the financial service addition page, the hash value (4) included in the 3-1 text message is used as information necessary for the financial service application processing (for example, (3) to the hash value (3), such as a name, a telephone number, a date of birth, and additional information necessary for processing the financial service requested by the financial service requester (for example, receipt account information in case of remittance transaction) The hash value authentication unit 134 may add the hash value (3) included in the financial service addition page to the financial service application processing included in the financial service addition application (3) and at least one or more of the information included in the financial service addition application, after confirming at least one piece of information that is applied to generation of the hash value (4) The validity of the hash value 4 can be authenticated by generating the hash value 4 based on the hash value 4. When the validity of the hash value 4 is authenticated, At the time when the third-party SMS message is received from the third-party mobile phone 104, the financial service addition application received from the third-party mobile phone 104 designated by the financial service requestor via the data network It can be authenticated as legitimate.

Meanwhile, the hash value (4) included in the 3-1 text message may include a value obtained by hashing at least one piece of information included in the financial service addition application with a specified hash algorithm. In this case, the hash value authentication unit 134 checks at least one or more pieces of information included in the hash value (4) included in the financial service addition application and 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, at the time of receiving the third-letter text message from the third-party mobile phone (104) designated by the financial service requestor via the telephone network, The financial service addition application received from the third party mobile phone 104 designated by the financial service requestor may be authenticated as legitimate.

According to an embodiment of the present invention, the hash value (4) can be separately transmitted according to a rule specified in the third-tier text message and the financial service addition application (that is, A part of the hash value 4 can be transmitted via the data service network via the financial service addition application (or a separate communication) simultaneously with (or after) Do. In addition, the hash value (4) may be generated by further including additional information required for authentication other than the information required for the financial service application processing included in the financial service addition application.

If the financial service addition request form is received through the financial service addition application reception unit 142 or after the financial service addition application form is received and the legitimacy of the financial service addition application is authenticated through the third- The financial service processing unit 126 further includes additional information necessary for the financial service application processing included in the financial service addition request for the financial service requested by the financial service requestor so that the financial service is processed do.

According to an embodiment of the present invention, the financial service processing unit 126 further includes the financial service addition application for the financial service application so that the requested financial service is provided to the financial service request in (Not shown) or a separate server (not shown), as required.

According to the processing method corresponding to the third party action request for the remittance transaction request during the financial service request of the present invention, the amount of the remittance request is transferred to the temporary account of the third party designated by the financial service requestor by the financial service application Including the receipt processing for the remittance transaction request requested by the financial service requester, to the account of the third party designated by the financial service requester based on the information included in the financial service addition request form It is possible to switch the processing to the completed state.

On the other hand, if it is determined that the remittance request amount has been deposited in the temporary account of the financial service requesting person other than the temporary account of the third party specified by the financial service requesting person, The transfer request is transmitted to the account of the third party designated by the financial service requestor through the temporary account of the third party designated by the service requestor so that the final processing including the receiving processing for the requested transfer transaction request requested by the financial service requestor is completed It is possible to switch.

In addition, in the case where it is necessary to obtain the consent of the financial service requesting person in accordance with the financial service provision policy, before the payment processing is performed to the account of the third party designated by the financial service requesting person or the temporary account of the third party designated by the financial service requesting person It is possible to include the process of acquiring consent before the deposit is made, or the process of acquiring the consent after the deposit.

In addition, based on the result of the real name verification for the third party designated by the financial service requestor through the third party real name confirmation unit 144, the temporary account for the third party designated by the financial service requestor is confirmed Or after the financial service processing unit 126 processes the remittance amount that is first deposited in the temporary account of the financial service request so as to be secondarily deposited into the temporary account of the third party designated by the financial service request requester, It is possible to perform the third deposit process to the account of the third party designated by the financial service requestor corresponding to the service addition application.

If the third party designated by the financial service requester rejects the receipt of the money remitted by the financial service requester, the financial service processing unit 126 transmits the temporary account of the financial service request or the financial service request It is possible to request a withdrawal or to return it to a pre-designated account.

FIG. 2 is a diagram illustrating a process of requesting a financial service from a mobile phone, which is a financial service requesting party, to request a financial service according to an embodiment of the present invention.

In more detail, FIG. 2 shows a case where a first text message is sent to a telephone number designated by a mobile phone 102, which is a financial service requesting side, and the operating server 100 confirms the first text message, A financial service page including a financial service application interface for creating a financial service application required for providing a financial service is generated and stored, and a second text message including a connection address of the financial service page is generated, And transmits it to the financial service requesting side mobile phone 102. It is to be understood that the person skilled in the art may refer to FIG. 102), various methods of requesting financial services (e.g., some steps may be omitted, The present invention is not limited to the above-described embodiments, and the present invention is not limited to the above-described embodiments.

Referring to FIG. 2, a financial service requester who wishes to use a financial service may freely input a character string to be included in a first text message according to his / her wish, which is a financial service request, using a text message function provided in his / If the first mobile phone 102 transmits the first SMS message to the designated phone number via the telephone network after setting the phone number designated for the service application as the receiver of the first SMS message, , The financial service request side mobile phone 102 requests the financial service to the operation server 100 by sending the first text message to a message server (not shown) assigned with the designated telephone number.

The operation server 100 checks the first text message received at the designated telephone number through the telephone network in conjunction with the message server (not shown) (step 205). Herein, the financial service request for sending the first text message may be either a case of subscribing to a member or a case of not subscribing to a financial service through the operation server 100, and thus the present invention is not limited thereto No. According to the present invention, it is possible for anyone to send a first text message including a character string inputted by himself / herself to a designated representative number to request a remittance.

If the first text message received at the designated telephone number is confirmed via the telephone network, the operating server 100 transmits the telephone number of the mobile phone 102, which is the financial service request corresponding to the calling number of the first text message, And checks the character string of the financial service request included in the first text message (step 210). According to an embodiment of the present invention, the operating server 100 may temporarily store and manage a string of the financial service request for a predetermined period of time, or may store the string for permanent storage.

The operating server 100 may further include a financial service application interface for creating the financial service application, which is the financial service request according to one or more of the first to sixth embodiments of the present invention, A procedure of generating a service page is performed (215).

According to a second financial service page embodiment of the present invention, the operating server 100 generates a hash value (1) according to the first through third hash value (1) generation embodiments of the present invention, The financial service page including the hash value (1) may be further included in the financial service page including the application interface (220).

According to the third financial service page embodiment of the present invention, the operating server 100 is a financial service requesting side mobile phone 102 (hereinafter, referred to as " And transmits the first text message to the mobile phone 102. The number of the mobile phone 102, which is the financial service requesting party that sent the first text message, The method of claim 1, further comprising: mapping a disposable call number provided to a service requesting party and storing the disposable call number in a designated storage area (225), displaying a string of the financial service request, And a function of sending the second-1 text message through the telephone network with the disposable destination number provided on the requesting side as the receiving side A financial service page can be created 230.

According to the fourth financial service page embodiment of the present invention, the operation server 100 further includes a real name confirmation interface for confirming the real name of the financial service request in the financial service page including the financial service application interface, A service page may be generated (235).

According to an embodiment of the fifth financial service page of the present invention, when the operation by the third party designated by the financial service requestor is required on the financial service page including the financial service application interface, A third party information interface for inputting information further including at least one of a name, a telephone number, and a message to be transmitted to the third party specified by the financial service requestor, and generating a financial service page 240).

If a financial service page is generated through one or more embodiments of the first to sixth financial service page embodiments of the present invention, the operation server 100 stores the generated financial service page in a designated storage area, After confirming (245) a connection address corresponding to the storage area in which the financial service page is stored (250), a second text message including a connection address of the financial service page is generated (250) The second mobile terminal 102 processes the second SMS message to be transmitted to the mobile phone number 102 and receives the second SMS message through the telephone network.

FIG. 3 is a diagram illustrating a process of providing a financial service page to a mobile phone of a financial service request and receiving a financial service application for providing financial service according to an embodiment of the present invention.

3 is a flowchart illustrating a process of receiving a second text message via the telephone network and accessing a connection address of the financial service page through a data network in the operation server 100, The service requesting side mobile phone 102 provides a financial service page created / stored through the process of FIG. 2, receives the financial service page, and receives the financial service page from the mobile phone 102, which is the output financial service request, 3 is a flow chart illustrating a process of receiving a financial service application prepared through a financial service page. Referring to FIG. 3 and / or modified by the person skilled in the art, Various implementation methods for the service application reception procedure (for example, omission of some steps, change of order, etc.) Would be able to infer, 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 3.

Referring to FIG. 3, the financial service requesting side mobile phone 102 receiving the second text message via the telephone network through the process shown in FIG. 2 receives the connection address of the second text message (300).

If the connection request is made to the connection address, the mobile phone 102 requesting the financial service page corresponding to the connection address through the data network 305 (305) (310) of the mobile phone (102) requesting the financial service (310), a financial service page generated / stored through the process shown in FIG. 2 through the data network is transmitted to the mobile phone 102) (315).

The mobile phone 102 receiving the financial service receives and outputs the financial service page through a data network (320). Meanwhile, according to the fourth financial service page embodiment of the present invention, if the real name verification interface for confirming the real name of the financial service request is included in the financial service page and the request for real name verification is requested The mobile phone 102 of the financial service request side performs a blindness check procedure for the financial service request in step 325 through the blindness check interface for the financial service request in step 325, (330) in cooperation with the mobile phone (102), which is the financial service requesting party, to perform a real name verification process, which is a financial service request.

If the real name of the financial service request is not confirmed as a result of the real name verification process, the operation server 100 provides an error in confirming the real name of the financial service to the mobile phone 102, The service requesting side mobile phone 102 receives and outputs the real name confirmation error, which is the financial service request (335). Meanwhile, if the real name of the financial service request is confirmed, the operation server 100 provides the result of the real name verification, which is the financial service request, to the mobile phone 102, which is the financial service request side, The mobile phone 102 receives and outputs the result of the real name verification, which is the financial service request (345).

Meanwhile, if the financial service page is received (320) or the financial service page is received (345) through the data network, then the financial service requesting side mobile phone (102) (350) through the financial service application interface of the financial service page to input information required for financial service application from the financial service requesting person. If the information required for application of the financial service is input through the financial service application interface, the mobile phone 102, which is the financial service requester, generates a financial service application including information necessary for applying the financial service (355).

Meanwhile, if the financial service page includes the function of sending the second-1 text message through the telephone network according to the third financial service page embodiment of the present invention, the mobile phone 102, which is the financial service requesting side, (360) a hash value (2) to be included in the second-1 text message. If the hash value (1) generated through the process shown in FIG. 2 is included in the financial service page according to the second financial service page embodiment of the present invention, (2) by using a hash value (2) containing the hash value (1) or using at least one of the hash value (2) and the information required for the financial service application . Alternatively, the mobile phone 102, which is the financial service requesting party, may generate a hash value (2) including at least one piece of information required for applying for the financial service. When the hash value (2) is generated or confirmed, the financial service requesting side mobile phone (102) generates (365) a second-1-character message containing the hash value (2) (# 370) the second-1 text message to the disposable destination number provided to the financial service requesting party through the telephone network by using the text message dispatch function of the mobile phone 102. The second-1-character message is received by a message server (not shown) assigned with a disposable call number provided to the financial service requesting side, and the operation server 100 transmits a disposable The second-1 text message received at the called number is checked (375).

Meanwhile, when the financial service application is generated, the mobile phone 102 transmits the financial service application to the operating server 100 through a data network (380), and the operating server (100) And receives the financial service application from the mobile phone 102, which is the financial service request, via the data network (385).

FIG. 4 is a flowchart illustrating a process of requesting a financial service to provide a financial service according to an embodiment of the present invention.

4 is a flowchart illustrating a process of transmitting a second-1 text message received from the mobile phone 102, which is the financial service request, via the telephone network through the process shown in FIG. 3 in the operation server 100, And a financial service request for providing a financial service using the financial service application received from the mobile phone 102 of the financial service requesting side. 4, it is possible to refer to various execution methods (for example, omitting some steps or changing the order) of the financial transaction request side transaction process, It is to be understood that the invention is not limited to the particular embodiments set forth herein, .

Referring to FIG. 4, when the second-1 character message is received from the mobile phone 102 that is the financial service request via the telephone network through the process shown in FIG. 3, the operation server 100 receives (400), and the number of the mobile phone (102), which is the financial service request mapped with the disposable number to which the 2-1 text message is received through the process of FIG. 2, (405), it is determined whether the calling number of the second-1 text message matches the number of the mobile phone 102 that is the financial service request (410).

If the number of the mobile phone 102 is not matched, the operating server 100 transmits a financial service application error to the mobile phone 102 via the data network 455, The financial service requesting side mobile phone 102 receives the financial service application error via the data network and outputs it (460). Meanwhile, if the number of the mobile phone 102 on the side of the financial service request is matched, the operation server 100 checks the hash value 2 included in the 2-1 text message 415, (2) using one or more of the financial service page provided to the financial service requesting side mobile phone (102) and the financial service application received from the mobile phone (102) requesting the financial service through the data network Can be performed.

Meanwhile, the operation server 100 confirms the financial service application received from the mobile phone 102 requesting the financial service through the data network through the process shown in FIG. 3 (420). Meanwhile, when the hash value (2) included in the second-letter text message received via the telephone network from the financial service requesting side mobile phone 102 that transmitted the financial service application is confirmed, the operation server 100 The validity of the hash value (2) may be authenticated to authenticate the legitimacy of the financial service application (425). If the legitimacy of the financial service application is not authenticated, the operation server 100 transmits a financial service application error to the mobile phone 102 requesting the financial service through the data network (455) The mobile phone 102 receives the financial service application error via the data network and outputs the error (460).

The financial service application received from the financial service requesting side mobile phone 102 via the data network is confirmed 420 or is distinguished from the data network from the financial service requesting side mobile phone 102 after the financial service application is confirmed If the legitimacy of the financial service application is authenticated through the hash value (2) included in the 2-1 text message received via the separate telephone network, the operation server 100 transmits the financial service application (Temporarily) stored (430).

On the other hand, the operation server 100 determines whether the target financial service requested by the financial service requestor based on the financial service application requires the third party's action designated by the financial service requester (435). If the requesting financial service of the financial service requester does not need the action of the third party designated by the requesting financial service, the operation server 100 requests the financial service request, (440), and transmits (445) the requested financial service processing result to the financial service requesting side mobile phone (102) via the data network (445). The financial service request The in-side mobile phone 102 receives and outputs the financial service processing result through the data network (450).

FIG. 5 is a diagram illustrating a process of exchanging a text message with a mobile phone of a third party according to an action of a third party during a financial service provision process according to an embodiment of the present invention.

5 is a flowchart illustrating an operation of a third party designated by a financial service requesting party based on a financial service application received from a mobile phone 102, which is a financial service requesting person, A financial service addition page including a financial service request addition interface for creating a service addition request is generated and stored, and a third text message including a connection address of the financial service addition page is generated, To the third party mobile phone 104 corresponding to the third party mobile phone number designated by the financial service requestor included in the service application. Referring to FIG. 5, it is possible to refer to and modify the process of exchanging text messages with the third party mobile phone 104 It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it is to be understood and appreciated that the invention may be practiced otherwise than as specifically described herein, Its technical characteristics are not limited.

Referring to FIG. 5, the operation server 100 receives a financial service request from a financial service request received from a mobile phone 102, which is a financial service request, through a process shown in FIG. 4, (500) after confirming the message to be transmitted by the financial service request included in the financial service application received from the mobile phone 102 of the financial service requesting side through the process shown in FIG. 2, According to one or more embodiments of the first to fifth financial service addition pages, a message to be transmitted by the financial service requestor is exposed and displayed on one side area of a page area, and the third party displays a financial service addition request (505) a financial service addition page including a financial service request addition interface for creating a financial service addition page.

According to the embodiment of the second financial service addition page of the present invention, the operation server 100 generates a hash value (3) according to the first to third hash value generation examples of the present invention, The service requestor may display a message to be transmitted and may generate 510 a financial service addition page by further including the hash value (3) in a financial service addition page including a financial service request addition interface.

According to the embodiment of the third financial service addition page of the present invention, the operating server 100 may be a third party mobile phone (e.g., a third party mobile phone) provided with the financial service addition page in accordance with a specified procedure (or a message server 104 to receive a third-party text message from the third-party mobile telephone, and transmits the third text message to the third party side And displays the message to be transmitted by the financial service requestor at the same time and displays the message on the financial service addition page including the financial service request addition interface And a third-party text message is transmitted through the telephone network as a disposable destination number to be provided on the third party side, It can be generated (520).

According to an embodiment of the fourth financial service addition page of the present invention, the operation server 100 displays a message to be transmitted by the financial service requestor and, at the same time, displays a financial service addition page including the financial service request addition interface The financial service addition page may be created by further including a real name confirmation interface for confirming the third person's real name in step 525.

If the financial service addition page is generated through one or more of the first to fifth financial service addition page embodiments of the present invention, the operation server 100 stores the generated financial service addition page in the designated storage area (530) a connection address corresponding to the storage area in which the financial service addition page is stored, and generates a third text message including a connection address of the financial service addition page (535). The operating server 100 may generate a third text message including a connection address of the financial service addition page and further including a message to be transmitted by the financial service requestor in step 535.

The operating server 100 processes the third text message to be transmitted to the third party mobile phone number via the telephone network 540, and the third party mobile phone 104 transmits the third character via the telephone network, And receives and outputs the message (545).

6 is a diagram illustrating a process of providing a financial service addition page to a third party's mobile phone according to a third party's action in a process of providing a financial service according to an embodiment of the present invention.

In more detail, FIG. 6 is a flowchart illustrating an operation of receiving, from the operation server 100, the third text message via the telephone network through the process shown in FIG. 5 and accessing the connection address of the financial service addition page through the data network The third party side mobile phone 104 provides a financial service addition page created / stored through the process of FIG. 5 and confirms the third party's real name based on the financial service addition page For example, if a user has a general knowledge in the technical field of the present invention, referring to FIG. 6, various methods of providing the financial service additional page (for example, However, the present invention is not limited to the above-described embodiments, Only not exclusively those technical features.

Referring to FIG. 6, the third party mobile phone 104 receiving the third text message via the telephone network through the process shown in FIG. 5 transmits the third text message (600). If the connection request is made to the connection address, the third party mobile phone 104 requests a financial service addition page of the connection address through the data network (605), and the operation server (100) After confirming a request for a financial service addition page of the third party mobile phone 104 at step 610, a financial service addition page created / stored through the process shown in FIG. 5 is transmitted to the third party mobile phone 104 (615).

The third party mobile phone 104 receives and outputs the financial service addition page through a data network (620). Meanwhile, according to an embodiment of the fourth financial service addition page of the present invention, the financial service addition page includes a real name confirmation interface for confirming the real name of a third party, and when the third party requests real name confirmation ), The third party mobile phone 104 performs a procedure for confirming the real name of the third party through the real name confirmation interface for the third party (625), and the operation server (100) Side mobile phone 104 to perform a third party real name verification procedure (630). If the real name of the third party is not confirmed as a result of the real name verification procedure, the operation server 100 provides a third party's real name verification error to the third party mobile phone 104, (104) receives and outputs the third party's real name verification error (635).

On the other hand, if the real name of the third party is confirmed, the operation server 100 provides the third party name verification result to the third party mobile phone 104 (640) 104 receives and outputs the third party's real name verification result (645). The process of providing the blindness confirmation result may be omitted according to the method.

FIG. 7 is a diagram illustrating a process of receiving a financial service addition application from a third party mobile phone for providing financial services according to an embodiment of the present invention.

7 is a flowchart illustrating a process of receiving a financial service addition page provided from the operation server 100 through the process shown in FIG. 5 and transmitting the message to the third party mobile phone 104 And receiving the financial service addition application created through the financial service addition page through the data network from the financial service addition page. As a person skilled in the art, referring to FIG. 7 and / or FIG. (For example, omitting some steps or changing the order) of the process of receiving the financial service addition application, the present invention may include all of the above-mentioned methods of inferring And the technical characteristics thereof are not limited only by the method shown in FIG.

Referring to FIG. 7, after receiving a financial service addition page via the data network from the operation server 100 through the process shown in FIG. 6, or after receiving the financial service addition page, The third party mobile phone 104 confirms 700 that a financial service addition application is input from a third party through the financial service request addition interface of the financial service addition page.

Meanwhile, when the function of sending the 3-1 text message through the telephone network is included in the financial service addition page according to the embodiment of the third financial service addition page of the present invention, Generates or confirms (705) a hash value (4) to be included in the 3-1 text message. In the case where the hash value (3) generated through the process shown in FIG. 5 is included in the financial service addition page according to the second financial service addition page embodiment of the present invention, the third party mobile phone (104) A hash value (4) including the hash value (3) or a hash value (4) is generated using at least one of the information included in the financial service addition application and the hash value (4) . Alternatively, the third party mobile phone 104 may generate a hash value (4) including at least one piece of information included in the financial service addition application. When the hash value (4) is generated / confirmed, the third party mobile phone (104) generates (710) a third character message including the hash value (4) (715) the third-party text message to the disposable destination number provided on the third party side through the telephone network by using the text message dispatch function of the third-party text message. When the third-tier text message is received by a message server (not shown) to which the disposable destination number provided on the third party side is assigned, the operation server 100 transmits the disposable in- (Step 720).

Meanwhile, when the financial service addition application is generated, the third party mobile phone 104 transmits the financial service addition application to the operation server 100 through the data network 725, Receives the financial service addition application from the third party mobile phone 104 via the data network (730).

FIG. 8 is a diagram illustrating a third-party processing procedure for providing a financial service in a financial service request according to an embodiment of the present invention.

8 is a flowchart illustrating an operation of a third-party SMS message received from the third-party mobile phone 104 via the telephone network through the process shown in FIG. 7 in the operation server 100, Side process for providing a financial service to a financial service requester using the financial service addition application received from the third-party mobile phone 104. The third party process is a process of providing a general knowledge in the technical field of the present invention It is possible to refer to FIG. 8 and modify the various embodiments of the third party processing (for example, omit some steps or change the order), but the present invention is not limited thereto And all of the above-mentioned embodiments can be deduced. The technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 8, when the third character message is received from the third party mobile phone 104 via the telephone network through the process shown in FIG. 7, the operation server 100 transmits (800). After confirming the third party mobile phone number mapped with the disposable destination number in which the third character message is received through the process of FIG. 6 (805 (810) whether the calling number of the third character message is matched with the mobile phone number of the third party. If the third party's mobile phone number is not matched, the operating server 100 transmits a financial service addition application error to the third party mobile phone 104 through the data network (840) The mobile phone 104 receives the financial service addition application error via the data network and outputs it (845). On the other hand, if the third party mobile number is matched, the operation server 100 checks the hash value 4 included in the third-letter text message 815, (4) using one or more of a financial service addition page provided to the mobile phone (104) and a financial service addition application received from the third party mobile phone (104) via the data network can do.

Meanwhile, the operation server 100 checks 820 the financial service addition application received from the third party mobile phone 104 through the data network through the process shown in FIG. 7. If the hash value (4) included in the 3-1 text message received via the telephone network from the third party mobile phone 104 that transmitted the financial service addition application is confirmed, the operation server 100 The validity of the hash value (4) may be authenticated to authenticate the legitimacy of the financial service addition request (825). On the other hand, if the legitimacy of the financial service addition application is not authenticated, the operation server 100 transmits an application error of the financial service addition to the third party mobile phone 104 through the data network 840, The mobile phone 104 receives the financial service addition request error via the data network and outputs it (845).

The financial service addition application received from the third party mobile phone 104 through the data network is confirmed 820 and the financial service addition application is confirmed and the third party mobile phone 104 is separated from the data network If the legitimacy of the financial service addition application is authenticated through the hash value (4) included in the 3-1 text message received via the telephone network of the third service provider, the operation server (100) (830) the processing result of the financial service addition application to the third party mobile phone (104), and transmits the processing result to the third party mobile phone (104) The mobile phone 104 receives and outputs the processing result of the financial service addition application through the data network (835).

100: Operational server
102: Financial service request side mobile phone 104: Third party side mobile phone
110: first message checking unit 112: financial service page generating unit
114: second message forwarding unit 116: hash value generating unit
118: Called party number confirmation unit 120: Called party number management unit
122: financial service page providing unit 124: financial service application receiving unit
126: financial service processing unit 128: real name verification unit
130: 2nd-1 message checking unit 132: Hash value checking unit
134: hash value authentication unit 136: financial service addition page generation unit
138: Third message sending unit 140: Financial service addition page providing service
142: Financial service addition application receipt
144: Third-party name verification unit 146: Third-party message confirmation unit

Claims (22)

A method executed via a server capable of communicating with a mobile phone,
A first step of confirming a financial service request MO received at a designated telephone number through a telephone network including a character string entered by a financial service requestor through a financial service requesting person's mobile phone;
A financial service page including a financial service application interface for creating the financial service application that is the financial service request to be transmitted to the mobile phone of the financial service requesting party; A second step of generating an OT-URL MT as a request and sending the OT-URL MT to the mobile phone of the financial service request via the telephone network;
A third step of receiving the OT-URL MT, which is the financial service request, through the telephone network, and providing the financial service page to a mobile phone, which is a financial service requester, accessing a connection address of the financial service page through a data network;
A fourth step of receiving a financial service application prepared through the financial service page through a data network from a mobile phone that receives the financial service page and is output from the side mobile phone; And
And a fifth step of processing the received financial service application so that a financial service corresponding to the received financial service application is provided.
The method according to claim 1,
The financial service page includes:
And a third party information interface for inputting information about the third party when the third party's action is required for the requested financial service of the financial service requestor.
3. The method of claim 2,
A third party designated by the financial service requestor to process the financial service application of the financial service request, generates and stores a financial service addition page including the financial service request addition interface, Generating a third party OT-URL MT including a connection address of the financial service addition page and transmitting the generated third party OT-URL MT to a third party mobile phone corresponding to the third party mobile phone number designated by the financial service requestor through the telephone network And providing said financial service to said financial service provider.
The method of claim 3,
When the third-party mobile phone receives the third-party OT-URL MT via the telephone network and accesses the connection address of the financial service addition page through the data network, the third- Providing a financial service addition page corresponding to the connection address;
Receiving the financial service addition page created through the financial service addition page through a data network from the third party mobile phone by receiving the financial service addition page; And
When the financial service corresponding to the financial service application received from the mobile phone of the financial service requesting side is to be provided, the financial service addition request received from the third party mobile phone is further processed, And providing the service to the financial service provider.
2. The method according to claim 1,
If the financial service request MO contains a character string that the financial service requestor inputs freely or a character string is provided through the guidance message to the mobile phone that transmitted the financial service request MO,
And when the financial service page is created, processing the character string to be displayed on one side region of the financial service page.
6. The method according to claim 5,
Wherein the financial service request is provided by sending a text message to a call originating number of a mobile phone that has transmitted the financial service request MO or is provided as a voice message through a call connection with a mobile phone that has transmitted the financial service request MO.
The method according to claim 1,
Upon creating the financial service page,
Generating a hash value (1) hashed with the designated hash algorithm;
And including information including the generated hash value (1) in the financial service page.
8. The method of claim 7, wherein the hash value (1)
Wherein the financial service request is a hashed value including at least one of a character string input by a financial service requestor in the financial service request MO or a character string through a guidance message to a mobile phone that has transmitted the financial service request MO.
The method according to claim 1,
Wherein the financial service page further comprises a real name verification interface for verifying the real name of the financial service request,
After providing the financial service page to the mobile phone of the financial service requesting side,
Further comprising the step of performing a real name verification process of the financial service request in cooperation with a real name confirmation interface of the financial service page.
The method of claim 1, wherein, when generating the financial service page,
Assigning or confirming a disposable forwarding number to be provided to a financial service requesting side for receiving a transaction authentication MO, which is a financial service request, from a financial service requesting person's mobile phone;
Mapping the mobile phone number of the financial service requesting party to a disposable call number to be provided to the financial service requesting party; And
Further comprising the step of including a function of sending a transaction authentication MO, which is a financial service request, through the telephone network, as a disposable destination number to be provided to the financial service requesting entity on the financial service page. Delivery method.
11. The method as claimed in claim 10,
Confirming a transaction authentication MO, which is a financial service request received from the financial service request side mobile phone number mapped with the disposable call number provided on the side of the request for the service of the financial service, to the disposable call number provided on the side of the financial service requesting person through the telephone network; ;
Confirming the hash value (2) included in the transaction authentication MO as the financial service request; And
And authenticating the validity of the hash value (2) using at least one of information included in the financial service page and information included in the financial service application .
12. The method of claim 11,
The financial service page includes a hash value (1) hashed by a specified hash algorithm,
Wherein the hash value (2) includes at least one information included in the financial service application and a value obtained by hashing the hash value (1) by a specified hash algorithm.
3. The method of claim 2,
Wherein the financial service addition page further includes a real name confirmation interface for confirming a real name of a third party designated by the financial service requestor,
After providing the financial service addition page to the third party mobile phone designated by the financial service requestor,
And performing a real name verification procedure of a third party designated by the financial service requestor in association with the real name confirmation interface of the financial service addition page.
3. The method of claim 2,
Wherein the financial service application further comprises an interface for inputting a character string to be transmitted to a third party side in the financial service application prepared by the financial service requestor,
Wherein the third party OT-URL MT further comprises a character string to be transmitted to the third party.
15. The method of claim 14,
Wherein the financial service application further comprises an interface for inputting a character string to be transmitted to a third party side in the financial service application prepared by the financial service requestor,
Wherein the financial service addition page is generated such that a character string to be transmitted to the third party is displayed in the one-side area.
3. The method according to claim 2,
Assigning or confirming a disposable call number to be provided to a third party designated by a financial service requestor for receiving a third party transaction authentication MO from a third party mobile phone designated by the financial service requestor;
Mapping a third party mobile phone number designated by the financial service requestor and a disposable call number to be provided to a third party designated by the financial service requestor; And
And a function of sending a third party transaction authentication MO through the telephone network by making a disposable call number to be provided to the third party designated by the financial service requesting party as a receiver on the financial service addition page Wherein the financial service providing method comprises the steps of:
17. The method of claim 16,
Provided on the third party side designated by the financial service requesting person via the telephone network from the third party mobile phone number designated by the financial service request mapped to the disposable call number provided on the third party side specified by the requesting financial service user, Confirming the received third party transaction authorization MO;
Confirming the hash value (4) included in the third party transaction authentication MO; And
Further comprising authenticating the validity of the hash value (4) using at least one of information included in the financial service addition page and information included in the financial service addition request, Delivery method.
18. The method of claim 17,
The financial service addition page includes a hash value (3) hashed by a specified hash algorithm,
Wherein the hash value (4) includes at least one information included in the financial service addition application and a value obtained by hashing the hash value (3) by a specified hash algorithm.
A system implemented through a server capable of communicating with a mobile phone,
A financial service request MO message confirmation unit for confirming the MO service request MO received at the designated telephone number through the telephone network, including the string entered by the financial service requestor through the mobile phone of the financial service requesting party;
A financial service page generation unit for generating and storing a financial service page including a financial service application interface for creating the financial service application that is the financial service request to be transmitted to the mobile phone of the financial service requesting side;
An OT-URL MT message transmission unit which generates a OT-URL MT, which is a financial service request including a connection address of the financial service page, and transmits the OT-URL MT to a mobile phone of the financial service requesting user through a telephone network;
A financial service page providing unit for providing the financial service page to a mobile phone that receives a financial service request OT-URL MT via a telephone network and accesses a connection address of a financial service page through a data network;
A financial service application receiving unit receiving the financial service page and receiving the financial service application created through the financial service page from the mobile phone that is the output of the financial service request through the data network; And
And a financial service processing unit for processing the received financial service application so that a financial service corresponding to the received financial service application is provided.
20. The method of claim 19,
The financial service page includes:
And a third party information interface for inputting information about the third party when the financial service requesting the financial service request requires an action of the third party.
21. The method of claim 20,
A third party designated by the financial service requester to process the financial service application of the financial service request, to create a financial service addition page including the financial service request addition interface, A service addition page generating unit;
Generates a third party OT-URL MT including a connection address of the financial service addition page, and transmits the generated third party OT-URL MT to a third party mobile phone corresponding to the third party mobile phone number designated by the financial service requestor through the telephone network And an OT-URL MT message sending unit.
22. The method of claim 21,
When the third-party mobile phone receives the third-party OT-URL MT via the telephone network and accesses the connection address of the financial service addition page through the data network, the third- Providing a financial service addition page for providing a financial service addition page corresponding to the connection address;
A financial service addition page receiving unit receiving the financial service addition page and receiving a financial service addition application created through the financial service addition page from the third party mobile phone through a data network; And
When the financial service corresponding to the financial service application received from the mobile phone of the financial service requesting side is to be provided, the financial service addition request received from the third party mobile phone is further processed, And a financial service processing unit for processing the financial service to provide the service.

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