KR20180046221A - Transfer service providing system for safety - Google Patents

Abstract

Disclosed is a system for providing a safe remittance service. The system transfers an amount of money requested to be transferred by a remitter to a financial account of a recipient only when an approver having a money transfer approval authorization makes approval. Specifically, the system comprises: a storage unit in which information on a remitter who needs money transfer approval and an approver assigned for each remitter is stored; a remittance request reception unit which receives information on a money transfer request from a terminal of the remitter; a remitter checking unit which checks whether a remitter who requests approval of money transfer is a remitter who needs money transfer approval through the storage unit; a remittance dual-check unit which transmits a request message of money transfer approval to a communication terminal of a corresponding approver checked through the storage unit when the money transfer approval is requested and receives money transfer data in response to the request for money transfer approval; and a remittance processing unit which transfers an amount of money to be transferred to a financial account of a recipient when the data for money transfer approval is received from the communication terminal of the approver.

Description

[0001] The present invention relates to a transfer service providing system for safety,

The present invention relates to financial services, in particular to remittance services (transfer services).

As financial services evolve from face-to-face to Internet banking and mobile banking, hand-held remittances are increasing. In order to prevent this, delayed transfer service is being implemented. However, the sender must confirm the name and account number of the recipient again before the delayed transfer is executed, and cancel the transfer if the transfer is wrong. This means that inattentive remittances are difficult to prevent. However, the delayed transfer service may be effective in preventing voice phishing, etc. However, this also can not be guaranteed because it is confirmed that the phishing scam is within the delay time or the sender himself must realize it. Especially, in the case of the elderly people, it is very vulnerable to phishing scams, and it is difficult to expect to prevent the mistake remittance by oneself.

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

The present invention aims at providing a technical solution for ensuring safe remittance.

It is another object of the present invention to provide a technical solution for ensuring the recipient's confirmation of the remittance of the remitter.

According to a certain aspect, the system for providing the safe remittance service can transfer the requested amount of money from the remitter to the remitter account, but transfer it only when approved by the approver having permission to transfer money.

The system for providing the safe remittance service includes a storage unit for storing the remitter information requiring the transfer approval and the designated approver information for each remitter, a remittance request receiving unit for receiving the transfer request information from the remitter terminal, a remitter requesting the transfer approval, The transfer approval request message is transmitted to the communication terminal of the approver confirmed through the storage unit when the transfer approval request is requested and the transfer approval request message is received in response to the transfer approval request, And a remittance processing unit for transferring the transfer amount to the remittee account when the transfer approval data is received from the communication terminal of the approver.

The transferee double confirmation unit transmits a transfer approval request message to the communication terminal of the approver by using an automated response service (ARS), and receives a transfer approval request in response to the transfer approval request from the communication terminal of the approver through the ARS Data can be received.

The secure money transfer service providing system may further include an acceptance confirmation unit for generating a transfer agreement request message using the transfer request information and transmitting the transfer request message to the remittee terminal and receiving the transfer agreement data in response to the transfer agreement request from the remittee terminal, The transfer processing unit can transfer the transfer amount to the receiver account when both the transfer approval data and the transfer agreement data are received.

The receipt confirming unit may voice the transfer request message to the recipient terminal through an automated response service (ARS), and may receive the transfer agreement data in response to the transfer agreement request from the recipient terminal through the ARS.

According to another aspect of the present invention, there is provided a method for providing a safe remittance service, the method comprising: receiving transfer request information from a remitter terminal; transferring a transfer approval request message to an approver terminal when the remitter requesting transfer approval is a remitter requiring a transfer approval; Receiving the transfer approval data in response to the transfer approval request from the terminal, and transferring the transfer amount to the remittee account after the transfer approval data is received.

The step of transmitting the transfer approval request message comprises voice transferring the transfer approval request message to the approver terminal using an automated response service (ARS), and the step of receiving the transfer approval data comprises transferring the transfer approval request message from the approver terminal And may receive transfer approval data in response to the request.

The method for providing the safe remittance service includes the steps of generating a transfer agreement request message using the transfer request information, transmitting the generated transfer agreement request message to the remittee terminal, and transferring the transfer agreement data in response to the transfer agreement request from the remittee terminal And the transfer step may transfer the transfer amount to the recipient account after the transfer approval data and the transfer agreement data are received.

In the step of transmitting to the remittee terminal, the transfer agreement request message is transmitted to the remittee terminal through an automated response service (ARS), and the remittance agreement data is received from the remittee terminal in response to the request for the transfer consent via the ARS .

According to the disclosure, when transferring a remitter who is liable to cause a misdemeanor, such as a minor or an elderly person, the transfer can be made only under the approval of the guardian, thereby making it possible to make a safer remittance.

In addition, the transfer can be made only with the consent of the recipient, which also enables safer remittance. Further, by notifying the recipient that the amount of the transfer amount, for example, the transfer amount, is the down payment or the money to be borrowed, and transferring the transfer only when the recipient agrees, this fact prevents the possession of the dispute or serves as evidence It is enough to become.

1 is a block diagram of a system for providing a safe remittance service according to an embodiment.
2 is a block diagram of a safety remittance service providing server according to an embodiment.
3 is a diagram illustrating a transfer approval processing method.
4 is a diagram illustrating a transfer agreement processing method.
5 is a flowchart illustrating a method of providing a safe remittance service according to an 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 safe remittance service according to an embodiment. As shown in FIG. 1, the secure remittance service providing system includes a remitter terminal 100, a remitter terminal 200, an approver terminal 300, and a transfer server 400. However, the system for providing the safe remittance service does not necessarily include all of them, but may include only a part thereof. For example, the transfer notary service providing system may refer to only the transfer server 400 that transfers the transferred money to the account of the recipient according to the remitter request of the remitter, and may further include a configuration other than the transfer server 400 . Of course, other configurations other than the configurations shown in Fig. 1 may be further included.

The remitter terminal 100, the remittee terminal 200, and the approver terminal 300 are devices used by remitter, remittee, and approver, respectively, and are communication terminals having communication and computing functions. Examples of the communication terminal include a smart phone, a notebook PC, a desktop PC, and a Palm personal computer. And the term "approver" means the person who has the authority to approve the transfer of the remitter. If the sender is a minor, the parent or custodian may be the approver. If the remitter is an elderly person, the child may be the approver. There may be no special restrictions on the sender's approver. On the other hand, the remitter can remit money using a device such as an ATM (automated teller machine). In this case, the ATM used by the remitter can also be interpreted as the remitter terminal. That is, in this specification, the remitter terminal 100 means a device used by a remitter for funds transfer.

The transfer server 400 is a bank server that provides electronic financial services. The transfer server 400 is configured as a server platform including at least a part of a web-based web server, a web application server (WAS), a business server (mobile, automation device, etc.) And may be implemented as a distributed system. The transfer server 400 may be operated under a variety of operating systems including or not including a Windows-based operating system, MacOS, Java, Unix or Linux. The transfer server 400 according to one aspect transfers the requested amount of money from the remitter to the remitter account, and transfers the money only when approved by the approver having the transfer permission authority. The transfer server 400 according to another aspect obtains a transfer agreement request from the remittee and transfers the requested transfer amount to the remitter account when the transfer consent is obtained from the remittee.

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 transfer server according to an exemplary embodiment of the present invention. As shown in FIG. 2, the transfer server 400 includes a communication unit 410, a storage unit 420, and a control unit 430. The communication unit 410 is a communication module connected to a communication network and communicating with external communication devices. The storage unit 420 is a memory having a storage space for storing data. The storage unit 420 stores information on the remitter who is required to approve the transfer of the approver and information on the approvers designated by the remitter who is requested to be transferred. The remitter information may be identification information such as an ID uniquely assigned to the remitter, and the approver information may be personal information such as the name and phone number of the approver. Here, the telephone number of the approver is the telephone number assigned to the approver terminal 300. The control unit 430 includes hardware including one or more processors and an operating system. The control unit 430 according to an aspect includes a remittance request accepting unit 431, a remitter confirmation unit 432, a remittance double confirmation unit 433, and a remittance processing unit 434. Further, the control unit 430 may further include a receipt confirmation unit 435. [ All of which may be implemented in software and executed by the processor.

The remittance request receiving unit 431 receives the transfer request information from the remitter terminal 100. The transfer request information may include withdrawal information and deposit information. The withdrawal information includes the account number and the transfer amount of the remitter, and the deposit information includes the receiver's deposit account information (bank and account number). In addition, the transfer request information may include recipient notification information, which includes a recipient telephone number, and may further include a recipient notification message. The recipient telephone number is used to specify the recipient terminal 200. And the reminder message is a message written by the remitter to notify the remittee about the transfer amount. For example, the reminder message is "Hyundai Apartment Down Payment". As another example, if the sender lends money to the recipient, it is of course possible to write such information in the recipient notification message.

The remitter confirmation unit 432 confirms whether or not the remitter requesting the transfer request is a remitter requiring the transfer approval through the storage unit 420. In other words, the remitter identification unit 432 determines whether the remitter information requested for the transfer matches the remitter information stored in the storage unit 420. The transfer confirmation double confirmation unit 433 generates a transfer approval request message using the transfer request information and transmits a transfer approval request message to the approver terminal 300 using the telephone number of the approver stored in the storage unit 420 And receives transfer approval data from the approver terminal 300 in response thereto. And the transfer approval data is generated by the approver and is not received unless the approver has approved the transfer. When the transfer approval data is received from the approver terminal 300, the transfer processing unit 434 transfers the transfer amount based on the transfer request information to the account of the recipient. In addition, the remittant processing unit 434 may send the transfer completion data to the remitter terminal 100 to notify the remitter of the completion of the transfer, and the remittance completion data may include the account number of the remittee, the remittee name, and the transfer amount . According to the above, since the second check of the approver is performed following the first check of the remitter, it is possible to make a safe remittance by double check of the remittance.

In one embodiment, the remittance confirmation unit 433 transmits a transfer approval request message to the approver terminal 300 using an automated response service (ARS), and receives the transfer approval data via the ARS . The transfer approval request message may be voice data. For example, the transfer approval request message is "Hello? I want to transfer 10 million won to your account number 898977723. Please press * to approve. " In this case, the transfer approval data is * key data inputted to the approver terminal 300 by the approver (protector).

As another example, the transfer approval request message may be "Hello? I would like to transfer 10 million won to your XX bank account number 898977723. Please enter the last 4 digits of your phone number to approve. " In this case, the transfer approval data is key data for the four digits after the telephone number of the approver input by the approver. The remittance confirmation unit 433 authenticates the transfer approval data by comparing the key data received from the approver terminal 300 with the four digits after the telephone number of the corresponding approver stored in the storage unit 420, 434 transfer the transfer amount based on the transfer request information to the account of the recipient only when the transfer approval data is authenticated. Of course, other personal information of the approver, such as date of birth, may be requested instead of the last four digits of the telephone number. That is, the remittance confirmation unit 433 can request and receive and authenticate the approver's personal information for approval of remittance to the approver.

3 is a diagram illustrating an example of a transfer approval processing method. The approver terminal 300 outputs the transfer approval request announcement received from the transfer server 400 through a speaker. Accordingly, the approver hears the approval request announcement, and approves the transfer by inputting the four digits '6940' after his / her telephone number. If a separate confirmation is required, instead of inputting '6940', the call is terminated and the content of the transfer is checked. Then, ARS is connected through a text message separately received from the transfer server 400, and '6940' . For this purpose, the remittance confirmation unit 433 may transmit a separate text message to the approver terminal 300 for requesting the transfer approval. The text message may be an SMS message and may include a telephone number for an ARS connection.

On the other hand, the receipt confirmation unit 435 generates a transfer agreement request message using the transfer request information, transmits the transfer agreement request message to the remittee terminal 200 using the recipient telephone number of the remittee notification information, And receives transfer agreement data from the remittee terminal 200 in response to the message. When remittance agreement data is received from the remittee terminal 200, the remittance processing unit 434 transfers the transfer amount according to the transfer request information to the account of the remittee. In other words, the transfer processing unit 434 transfers the transfer amount according to the transfer request information to the account of the recipient when the transfer is approved by the approver and the transfer consent is made by the remittee.

In one embodiment, the receipt confirming unit 435 transmits the transfer agreement request message to the remittee terminal 200 using the ARS, and receives the transfer agreement data via the ARS. For example, the transfer consent request message says, "Hello? I would like to deposit 10 million won into account number 898977723 of XX Bank of Hong Gil Dong. It's a voice prompt like "Please press # to agree". If the recipient notification information includes the recipient notification message, the transfer request message is displayed as "Hello? I am going to deposit 10 million won into account number 898977723 of XX Bank of Hong Gil Dong. The purpose is the down payment of modern apartment. Include reminder message like "Please press # to agree". In the above case, the transfer agreement data is # key data inputted to the remittee terminal 200 by the recipient.

As another example, the transfer request message may be "Hello? I would like to deposit 10 million won with account number 8989777XX by Hong Kil-dong of XX bank. Please enter your last 2 digits of Hong Gil Dong's account number to accept ". Similarly, when the transfer request information includes the remittee notification message, the transfer request message is "Hello? I would like to deposit 10 million won with account number 8989777XX by Hong Kil-dong of XX bank. The purpose is the down payment of modern apartment. You can include reminders about the transfer amount usage like "Please input the last 2 digits of Hong Gil Dong's account number to agree". In this case, the transfer agreement data is the two-digit key data entered by the recipient. That is, at least a part of the remitter's account number can be used as the transfer agreement data. The receipt confirming unit 435 authenticates the transfer agreement data by comparing the key data received from the remittee terminal 200 with the second two digits after the account number of the remittee. The remittance processing unit 434, And transfers the transfer amount based on the transfer request information to the account of the recipient.

4 is a diagram illustrating a transfer agreement processing method. The recipient terminal 200 outputs the transfer agreement request announcement received from the transfer server 400 through the speaker. Accordingly, the recipient hears the announcement of the transfer consent request, and inputs '23', which is the second two digits after his account number, to agree on the transfer. If it is impossible to memorize the account number of the user, the user can disconnect the telephone and confirm the account number, connect to the ARS through a text message separately received from the transfer server 400, enter '23' . To this end, the receipt confirming unit 435 may transmit a separate text message to the recipient terminal 200 for requesting a transfer agreement. The text message may be an SMS message and may include a telephone number for an ARS connection.

On the other hand, in the configuration of FIG. 2, the remitter identification unit 432 may be omitted. In this case, transfer approval of the approver is not necessary, and the remittance processing unit 434 transfers the transfer amount according to the transfer request information to the remittee account only when the transfer confirmation unit 435 receives or authenticates the transfer agreement data . At least one of the remittance double confirmation unit 433 and the receipt confirmation unit 435 can perform call recording while the ARS call is connected when the ARS is used. Thus, not only the ARS announcement voice message but also the key input sound of the approver / recipient is recorded, and the voice of the recipient is also recorded. At least one of the remittance double confirmation unit 433 and the receipt confirmation unit 435 may store and manage the authentication result when the response data is authenticated. The authentication result can be stored and managed together with the recording contents.

5 is a flowchart illustrating a method of providing a safe remittance service according to an embodiment of the present invention. The remitter accesses the transfer server 400 by using the remitter terminal 100 to transfer money to the remittee. The remitter terminal 100 and the remittee terminal 200 are communicatively connected and start a process for transfer. The remitter terminal 100 receives the transfer request information from the remitter (S100). The transfer request information includes withdrawal information and deposit information, and may further include payee notification information. The remitter terminal 100 transmits the transfer request information to the transfer server 400 (S200). The transfer server 400 receives the transfer request information and confirms whether the transfer requesting transfer person is a remitter requesting transfer approval by the approver (S300). If it is determined that the transfer approval is required, the transfer server 400 generates a transfer approval request message and transmits the transfer approval request message to the approver terminal 300 (S400). The transfer approval request message may include a remitter name, a payee name, payee account information (bank and account number), a transfer amount, and may further include a reminder message. For reference, since the remitter's name is basically managed in the customer database of the financial company server, even if the remitter's name is not included in the transfer request information, there is no problem in generating the transfer approval request message including the remitter's name.

In one embodiment, the transfer server 400 transmits a transfer approval request message to the approver terminal 300 using the ARS. The approver terminal 300 outputs the transfer approval request message to the approver, and transmits the transfer approval data to the transfer server 400 through the ARS according to the input of the approver (S500). The transfer approval data may be key input data or voice data of an approver. In the latter case, the voice data may be voice of the approver, such as " approve ". The transfer server 400 receives the transfer approval data, and authenticates the transfer approval data when authentication is required.

When the transfer approval data is received or authenticated, the transfer server 400 generates a transfer agreement request message and transmits it to the remittee terminal 200 (S600). In one embodiment, the transfer server 400 transmits a transfer agreement request message to the remittee terminal 200 using the ARS. The remittee terminal 200 outputs the transfer agreement request message to the remittee, and transmits the transfer agreement data to the transfer server 400 via the ARS according to the input of the remittee (S700). The transfer agreement data may be key input data or voice data of a recipient. In the latter case, the voice data may be the voice of the recipient, such as " I agree. &Quot; The transfer server 400 receives the transfer agreement data, and authenticates the transfer agreement data when authentication is required. If the transfer agreement data is received or authenticated, the transfer server 400 transfers the transfer amount to the receiver account in accordance with the transfer request information (S800). In addition, the transfer server 400 may transfer the transfer completion data to the remitter terminal 100 after the transfer, and notify the remitter of the completion of the transfer.

Meanwhile, in the procedure of FIG. 5, S600 and S700 may be omitted. In other words, the transfer server 400 transfers the transfer amount to the remittee account in accordance with the transfer approval of the approver terminal 300. As another example, S300 and S400 and S500 may be omitted. In other words, the transfer server 400 does not perform a procedure for requesting permission transfer to the approver terminal 300, and can immediately execute a procedure for requesting a transfer permission agreement to the remittee terminal 200.

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: remitter terminal 200: payee terminal
300: Approver terminal 400: Transfer server
410: communication unit 420: storage unit
430: control unit 431: remittance request reception unit
432: Remittance confirmation part 433: Remittance confirmation part
434: remittance processing unit 435:

Claims (9)

A system for providing a safe remittance service that transfers the requested amount of money from the remitter to the remitter's account, but only when approved by the approver with the right to approve the transfer.
The method according to claim 1,
A storage unit for storing the remitter information requiring the transfer approval and the specified approver information for each sender;
A remittance request reception unit for receiving the transfer request information from the remitter terminal;
A remitter identification unit for confirming via the storage unit whether the remitter requesting the transfer approval is a remitter who is required to be approved for transfer;
A transfer confirmation unit for transferring the transfer approval request message to the communication terminal of the approver identified through the storage unit when the transfer approval is required and receiving the transfer approval data in response to the transfer approval request; And
A transfer processing unit for transferring the transferred money amount to the remittee account when the transfer permission data is received from the communication terminal of the approver;
The system comprising:
3. The method of claim 2,
The transferee double confirmation unit transmits a transfer approval request message to the communication terminal of the approver by using an automated response service (ARS), and receives a transfer approval request in response to the transfer approval request from the communication terminal of the approver through the ARS A secure money transfer service system for receiving data.
3. The method of claim 2,
And a receipt confirmation unit for generating a transfer agreement request message using the transfer request information and transmitting the transfer request message to the remittee terminal and receiving the transfer agreement data in response to the transfer agreement request from the remittee terminal,
The remittance processing unit transfers the transfer amount to the remittee account when both the transfer approval data and the transfer agreement data are received.
5. The method of claim 4,
The receipt confirmation unit transmits a transfer agreement request message to the recipient terminal through an automated response service (ARS), and provides a safety remittance service for receiving the transfer agreement data in response to the transfer agreement request from the recipient terminal through the ARS system.
Receiving transfer request information from a remitter terminal;
Transmitting a transfer approval request message to the approver terminal when the remitter requesting the transfer approval is a remitter requiring the transfer approval;
Receiving transfer approval data from the approver terminal in response to the transfer approval request; And
Transferring the transfer amount to the remittee account after the transfer approval data is received;
The method comprising the steps of:
The method according to claim 6,
In the step of transmitting the transfer approval request message, the transfer approval request message is transmitted to the approver terminal using an automated response service (ARS)
The step of receiving the transfer approval data includes receiving the transfer approval data in response to the transfer approval request from the approver terminal via the ARS.
The method according to claim 6,
Generating a transfer agreement request message using the transfer request information;
Transmitting the generated transfer agreement request message to the remittee terminal; And
And receiving transfer agreement data from the remittee terminal in response to the transfer agreement request,
The transfer step transfers the transfer amount to the recipient account after the transfer approval data and the transfer agreement data are received.
6. The method of claim 5,
In the step of transmitting to the remittee terminal, the transfer agreement request message is transmitted to the remittee terminal through an automated response service (ARS), and the transfer consent data is received from the remittee terminal in response to the request for the transfer consent via the ARS System for providing safe money transfer service.

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