KR20180022760A - Notary service providing system for account transfer - Google Patents

Abstract

Disclosed is a transfer notarization service providing system. The system transfers a transfer amount requested by a first trader to an account of a second trader for a transaction of a loan for consumption between the first trader and the second trader, wherein the transaction of a loan for consumption between the first trader and the second trader is notarized before transfer.

Description

{Notary service providing system for account transfer}

Financial services, especially transfer services, are disclosed.

Korean Patent Registration No. 10-1436726 discloses a transfer processing apparatus and method in which two or more items can be entered in response to a transfer account at the time of account transfer. In addition, Korean Patent Registration No. 10-1489755 discloses a financial service method and system capable of remitting money to an account of a counterparty using a telephone number of a counterpart.

On the other hand, most of the money transactions without interpersonal borrowing also do not make a loan agreement or borrowing. This is because if you try to make an IOU while borrowing transactions between individuals, you will perceive them as if you do not trust them. In particular, most of the time when a borrowing transaction is made between a friend, a lover, and an acquaintance, the user does not make a charter.

Korean Patent Registration No. 10-1436726 (issued on September 1, 2014) Korean Patent Registration No. 10-1489755 (issued on February 12, 2015)

A method of notifying that the transfer history is based on a borrowing transaction is disclosed.

The system for providing a notary public notary service according to one aspect of the present invention is a system for transferring a transfer amount requested for transfer from a first trader to a transfer account of a second trader for a transaction between a first trader and a second trader, 2 Notarize the consumption lending transaction between traders.

The notarial notification service providing system may include a transfer processing unit and a notarization processing unit. The transfer processor receives the transfer request information including the transfer amount and the notarization request information of the transfer amount from the first trader and transfers the transfer amount to the transfer account of the second trader in accordance with the transfer request information, Thereafter, the transfer amount can be transferred to the deposit account of the second trader. The notarization processing unit generates and transmits the borrowing fact data to the second trader device using the transfer request information and the notarization request information and receives and stores the borrowing agreement data on the borrowing fact from the second trader device, 2 It is possible to notarize the consumption lending transaction between traders.

The notarized request information may include the transfer amount, the expiry date, the name of the first trader, the name and telephone number of the second trader, and the deposit account.

Borrowing facts data may include the transfer amount, the due date, the name of the first trader, and the name and account of the second trader.

The notarization processor may voice the borrowing fact data to the second trader device using an automated response service (ARS), and may receive and store the borrowing agreement data from the second trader device.

The notarization processing unit may request input to the second trader device for a part of the borrowing fact data and authenticate the input value according to the request, and when the authentication is successful, the notarization processing unit may receive and store the borrowing agreement data from the second trader device.

The notarial notification service providing system may further include a reimbursement notification unit notifying the second trader device of the date of reimbursement when the reimbursement date arrives.

According to another aspect of the present invention, there is provided a method for providing a notary public notary service, the method comprising: receiving transfer request information including a transfer amount from a first trader and notarization request information for a transfer amount; Transferring the borrowing fact data to the second trader device, notifying the borrower transaction between the first trader and the second trader by receiving and storing the borrowing agreement data on the borrowing fact from the second trader device, And transferring the transfer amount to the deposit account of the second trader in accordance with the transfer request information after completion of the notarization.

According to the disclosure, it becomes possible to notarize a transfer transaction for a lending transaction. It becomes possible to notarize transactions between individuals. This is enough to be used as evidence of legal liability for future defaults.

1 is a block diagram of a system for providing a notarial service according to an embodiment of the present invention.
2 is a block diagram of a notarization transfer server according to an embodiment.
3 is a flowchart illustrating a method of providing a notarial service according to an exemplary embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The foregoing and further aspects of the present invention will become more apparent from the following detailed description of preferred embodiments with reference to the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a system for providing a notarial service according to an embodiment of the present invention. As shown in FIG. 1, the system for providing a notary public service service includes a first trader device 100, a second trader device 200, and a notarization transfer server 300. However, the system for providing notary public notices does not necessarily include all of them, but may include only a part of them. For example, the notarial notification service providing system may include only the notarized transfer server 300 or may further include a configuration other than the notarization transfer server 300. [ Of course, other configurations may be included in addition to the above configuration.

The first trader device 100 and the second trader device 200 are devices used by the first trader and the second trader, respectively, and are communication devices having communication and computing functions. Such communication devices include a smart phone, a synchronous / asynchronous International Mobile Telecommunication 2000 (IMT-2000), a Personal Digital Assistant (PDA), a Wireless Application Protocol (WAP) phone ), A notebook PC, a desktop PC, and a Palm personal computer. The first trader and the second trader are the parties of the consumer lending transaction (borrowing transaction). In the following description, the first trader interprets the first trader as a lender and the second trader as the borrower. For reference, the first trader and the second trader do not necessarily mean an individual. In other words, it may be a corporation.

The notarization transfer server 300 is a financial transaction server that provides electronic financial services. The notarization transfer server 300 may be configured as a server platform composed of a web-based web server, a web application server (WAS), a business server (mobile, automation device, etc.), an authentication server, , And a distributed system. The notarization transfer server 300 may be operated under a variety of operating systems including or not including a Windows-based operating system, MacOS, Java, UNIX, or LINUX. The notarization transfer server 300 basically provides a transfer service, and in accordance with an aspect, provides a notarized service in connection with the transfer service. Here, the notarized service is a service for verifying the content of a consumer lending transaction between a first trader and a second trader, that is, a service for verifying that the amount transferred from the first trader to the second trader is based on a consumer lending transaction . For reference, the term 'notarization' is used throughout this specification to prove consumption-loan transactions between a first trader and a second trader. In the present specification, the term 'notarized' Can be replaced.

The first trader may request the notarization transfer server 300 to transfer money to the second trader by using a separate financial transaction device such as the first trader device 100 or an ATM (automated teller machine). At this time, the first trader can choose to use the notarized service provided through the transfer screen interface of the first trader device 100 or ATM at the time of transfer, and if not, . The notarization transfer server 300 transfers funds to the second trader in response to the transfer request of the first trader. When the first trader selects to use the notarized service, the second trader transfers the funds to the second trader through the second trader device 200 The trader can confirm the fact of the borrowing transaction for transfer funds. That is, the notarization transfer server 300 notifies the borrowing transaction between the first trader and the second trader before the transfer.

Meanwhile, a communication network may include a plurality of heterogeneous networks, and may support a plurality of communication protocols. For example, the communication network supports at least some of the communication protocols such as TCP / IP, IPX, SPX, NetBIOS, Ethernet, ARCNET, Fiber Distributed Date Interface (FDDI), IEEE 802.11, IEEE 802.11a, .

2 is a block diagram of a notarization transfer server according to an embodiment. As shown in FIG. 2, the notarization transfer server includes a communication unit 310, a storage unit 320, and a control unit 330. The communication unit 310 is a communication module that connects to a communication network and transmits / receives data to / from external communication devices. The storage unit 320 is a storage medium having a storage space for storing data, and there is no limitation on the type of storage medium. In the storage unit 320, the deposit and withdrawal accounts and the amount information held in each account are stored. The control unit 330 includes hardware and an operating system including one or more processors. The control unit 330 according to an aspect includes a transfer processing unit 331 and a notarization processing unit 332. Further, the control unit 330 may further include a reimbursement notification unit 333. All of these configurations can be implemented in software.

The transfer processing unit 331 receives the transfer request information and the notarization request information from the first trader device 100. The transfer request information basically includes a transfer amount, and the notarization request information is information requesting notarization of the transfer amount. The transfer request information may include information on the withdrawal account of the first trader and the deposit bank and the deposit account of the second trader in addition to the transfer amount. In one embodiment, the notarization request information includes the name and telephone number of the second trader. Furthermore, the notarization request information may further include at least one of the date of payment and the interest rate for the transfer amount.

The transfer processor 331 transfers the requested transfer amount to the transfer account of the second trader in accordance with the transfer request information received from the first trader device 100. After transferring the transferred money to the transfer account of the second trader, Transfer money. However, if the delayed transfer system is to be applied, the transfer processor 331 transfers the requested transfer amount after a predetermined time (delayed) determined by the legally prescribed time has elapsed even though the notarized transfer is performed by the notarization processing unit 332 .

The notarization processing unit 332 generates borrowing fact data using the transfer request information and the notarization request information. That is, it generates data related to the fact that the second trader borrows funds from the first trader. In one embodiment, the borrowing fact data includes the name of the first trader, the name and account information of the second trader (bank, account number), and the transfer amount (borrowing amount). In addition, the borrowing fact data may further include at least one of a payout date and an interest rate. The notarization processor 332 generates the borrowing fact data by using the transfer request information and the notarization request information does not mean that the borrowing fact data is generated using only the transfer request information and the notarization request information. That is, it means that data already held by the notarization transfer server 300 can be added to generate borrowing fact data.

The notarization processing unit 332 transmits the borrowing fact data to the second trader device 200 identified by the telephone number included in the notarized request information and receives a borrowing agreement from the second trader device 200 And notifies the borrowing transaction between the first trader and the second trader by receiving and storing the data. When notarization by the notarization processing unit 332 is completed, as described above, the transfer processing unit 331 transfers the amount requested for transfer from the first trader to the transfer account of the second trader from the withdrawal account of the first trader.

In one embodiment, the notarization processor 332 may voice the borrowing fact data to the second trader device 200 using an automated response service (ARS), and may transmit the borrowing fact data from the second trader device 200 And notifies the borrowing transaction between the first trader and the second trader by receiving and storing the borrowing agreement data. This is explained in detail. The notarization processing unit 332 can generate the borrowing fact data using the transfer genre information, the notarization request information, and the notarization data stored in advance in the storage unit 320. [ Here, the notarization data is as follows: "From A to B C 's account D, you lent E to F and interest G%. If you agree with the transaction facts, please include a voice prompt such as "Please tell me in a random voice that I agree".

The notarization processing unit 332 generates borrowing fact data by reflecting at least some contents of the transfer request information and the notarization request information to the above voice announcement. That is, in A, the name of the first trader, in B, in the deposit bank of the second trader, in C, the name of the second trader, in D is the account number, in E is the transfer amount, in F is the payment date, As a result, "Kim Chul-soo loaned 3 million won to Kim's account of Kookmin Bank with 524906009999 as interest and 2% until 2015.25.25. If you agree with the transaction fact, borrowing fact data such as "Please tell me by saying I agree" is generated.

The notarization processing unit 332 makes an ARS connection to the second trader device 200. In the ARS connection method, the notarization processing unit 332 may directly connect an ARS call to the second trader device 200, transmit a link for an ARS call to the second trader device 200 in a text message, The device 200 may connect the ARS call. When notified by the ARS to the second trader device 200, the notarization processing unit 332 transfers the borrowing fact data to the second trader device 200 and transmits the borrowing agreement data "agree" from the second trader device 200 , It is stored and processed as having been notarized. That is, the notarization processing unit 332 records and archives the ARS voice and completes the notarization.

Then, when the notarization processing unit 332 receives the "agree" borrowing agreement data from the second trader device 200, the notarization processing unit 332 "thanks to the second trading device 200". &Quot; It is possible to withdraw money after 30 minutes ". In addition, the notarization processing unit 332 can back up the recording file. The notification unit 332 can transmit the recording file to the server of the Trusted Third Party (TTP), which is a trusted authority of the third party through the communication unit 310, to back up the recording file. Of course, if the second trader disagrees, it is treated as abnormal. Thus, the transfer processing unit 331 does not transfer the funds to the deposit account of the second trader.

In addition, the notarization processing unit 332 can request information input to the second trader in the notarization process using the ARS and verify the inputted information. In one embodiment, the notarization processing unit 332 requests to directly input, to the second trader, a part of the borrowing fact data before transmitting all of the borrowing fact data to the second trader device 200, 2 The information input from the trader can be verified. For example, the notarization processing unit 332 requests input of at least a part (for example, the last three digits of the account number) of the deposit account number to which the transfer is to be received, and transmits the input deposit account number and the deposit account Verify that the numbers are the same. That is, it is possible to authenticate whether or not the second trader is a legitimate trader through the coincidence. If authentication fails, the notarization processing unit 332 treats it as abnormal.

On the other hand, the reimbursement notification unit 333 can notify the second trader device 200 of the arrival date when the reimbursement date included in the borrowing fact data arrives. For example, the reimbursement notification unit 333 informs the second trader device 200 of the arrival date before a predetermined date from the reimbursement date. In the notification method, the reimbursement notification unit 333 can use the ARS, SMS, or PUSH text notification method.

3 is a flowchart illustrating a method of providing a notarial service according to an exemplary embodiment of the present invention. The first trader accesses the notarization transfer server 300 online using the first trader device 100 to transfer money to the second trader. The first trader device 100 and the notarization transfer server 300 are communicatively connected and start the process for transfer. The first trader device 100 receives the transfer request information from the first trader (S100). The transfer request information may include the withdrawal account number of the first trader, the depositing bank and the depositing account number of the second trader, and the transfer amount. The first trader can request a notary service for the money transfer. In this case, the first trader device 100 receives the notarization request information from the first trader (S200). The notarized request information may include the name and telephone number of the second trader, the date of reimbursement, and the interest rate.

The first trader device 100 transmits the transfer fairy information and the notarization request information to the notarization transfer server 300 (S300). The notarization transfer server 300 receives transfer genre information and notarization request information, and generates borrowing fact data using the received information (S400). The borrowing fact data may include the name of the first trader, the name of the second trader, the deposit bank and the deposit account number, the transfer amount, the reimbursement date and the interest rate. Here, the name of the first trader may or may not be included in the transfer request information or the notarization request information. The name of the first trader is generally stored in the customer database of the notarization transfer server 300, There is no problem in generating borrowing fact data by including the name of one trader.

The notarization server 300 communicates with the second trader device 200 (S500). In one embodiment, the notarization transfer server 300 and the second trader device 200 are connected by an ARS call. The notarization transfer server 300 transmits the borrowing fact data to the second trader device 200 connected to the communication (S600). That is, it informs the fact that the second trader borrows money from the first trader and transmits the borrowing fact data to receive the agreement. When ARS is used, the borrowing fact data transmitted to the second trader device 200 is as follows: "Mr. Chul-soo Kim loaned 3 million won to Kookmin Bank's God account 524906009999 as 2% interest until 2016.25.25. If you agree with the transaction, please give me a voice like "I agree". The second trader device 200 receives the borrowing fact data and outputs it to the second trader, and the second trader confirms it and responds by voice. The second trader device 200 transmits the borrowing agreement data, which is voice data of the second trader, to the notarization transfer server 300 (S700).

The notarization transfer server 300 receives the borrowing agreement data from the second transaction device 200 and analyzes the borrowing agreement data to determine whether the second transaction has agreed with the borrowing fact. For example, the second trader would say, "I agree." If it is determined that the second trader agrees with the borrowing fact, the notarization transfer server 300 records that the borrowing transaction has been notarized (S800). After the notarization is completed, the notarization transfer server 300 transfers the transfer amount requested from the first transaction to the transfer account of the second transaction (S900).

Although not shown in FIG. 4, the notarization transfer server 300 can notify the second trader device 200 of the arrival of a predetermined settlement date as described above. Although not shown in FIG. 4, the notarization transfer server 300 requests input to the second trader device 200 for a part of the borrowing fact data during the process S600, and authenticates the input value according to the request . ≪ / RTI > That is, the user can request information input to the second trader and verify the input information to authenticate whether the second trader is a legitimate trader. And S700 can be performed only when authentication is successful in S600.

The present invention has been described with reference to the preferred embodiments. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

100: first trader device 200: second trader device
300: notarization transfer server 310: communication unit
320: storage unit 330: control unit
331: transfer processor 332: notarization processor
333: Reimbursement notification section

Claims (1)

A transfer that transfers the transfer amount requested from the first trader to the deposit account of the second trader for the consumption lending transaction between the first trader and the second trader but notifies the consumption lending transaction between the first trader and the second trader before the transfer Notarized service delivery system.

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