KR20180092882A - System and method for confirming true depositor of virtual account - Google Patents

Abstract

Disclosed are a system for confirming a true depositor of a virtual account and a method thereof. According to the present invention, the system for confirming a true depositor of a virtual account comprises: a depositor information input unit for inputting depositor information for confirming a depositor; a depositor information verification unit for verifying the inputted depositor information; and a communication unit for transmitting a part of the verified depositor information and a virtual account generated for a depositor to a bank server in order to register the depositor corresponding to the verified depositor information in the bank server, transmitting the virtual account and a deposit amount to a user terminal, and receiving, from the bank server, a result of confirming whether a person, who attempts deposit, is matched with the depositor by allowing the bank server to compare information of the person, who attempts the deposit for the virtual account, with registration information of the registered depositor if there is a deposit attempt for the virtual account.

Description

System and method for confirming the depositor of a virtual account

The present invention relates to a system and method for confirming a real bank depositor in a virtual account, and is characterized by inputting bank depositor information for verifying a bank depositor, verifying the bank depositor information inputted, and transferring a bank depositor corresponding to the verified bank depositor information to a bank server Transmitting the virtual account and the deposit amount to the user terminal, sending a portion of the depositor information and the virtual account created for the depositor to the bank server, , The bank server compares the information of the person who tried to deposit the virtual account with the bank server and the registration information of the registered depositor and receives a result of verifying whether the person who attempted the deposit matches the registered depositor , When depositing by bank account through virtual account, deposit only originally appointed The present invention relates to a system and a method for confirming a genuine depositor of a virtual account in which depositors can safely and accurately carry out a deposit transaction in a deposit transaction where the depositor is important.

Recently, as online payment transactions become more common, deposit transactions using virtual accounts are becoming popular.

A virtual account is an account linked to an existing account, an account that does not have a bankbook but is given only in the name of the account. It is mainly used to pay for school expenses, various local taxes, apartment management fees, and milk delivery expenses. For example, a school A opens an account of a school A to the bank B to receive the school expenses, which is an existing mother school. School A can create as many linked accounts as the number of customers in bank B at the bank, which is a virtual account. The virtual account is given a different number for each customer's name, and when the customer deposits the corresponding number, the money is transferred to the parent account of the A school.

However, in the case of a conventional bank account transaction through a virtual account, the transfer proceeds even if the depositor other than the designated depositor initially deposits the deposit. Therefore, it has been abused by abuse such as voice phishing. For example, suppose that a person named 'C' decided to purchase a person 'D', and 'D' opened a virtual account for 'C', but 'C' 'And' E 'deposits in the virtual account opened for' C ', even though the deposit actually proceeds and both' D 'for supplying goods to' C 'and' E 'for depositing are damaged .

In particular, (1) virtual currency transactions such as bit coins, (2) foreign exchange remittances, (3) peer-to-peer investment funds, (4) P2P loan repayment, and (5) It is very important whether or not the deposited money has been originally deposited since the large amount of money comes and goes in many cases.

Accordingly, there is a need for a deposit system or a method that can securely and accurately carry out a deposit transaction in a deposit transaction in which the depositor is important.

An object of the present invention is to provide a method and system for verifying a depository information of an investor who has verified the depository information inputted and verifies a part of verified depositor information and a virtual account generated for the depositor to register a depositor corresponding to the verified depository information with a bank server And transmits the virtual account and the deposit amount to the user terminal. If there is an attempt to deposit the virtual account, information on the person who has tried to deposit the virtual account with the bank server from the bank server, The deposit information of the depositor is compared with the deposit information of the depositor and the result of confirming whether or not the person who tried to deposit the deposit agrees with the registered depositor is received, thereby making it possible to deposit only the depositor who is originally designated at the time of depositing money through the virtual account, It is possible to carry out the deposit transaction safely and accurately in the deposit transaction To provide a system and method for the identification of truly ipgeumja virtual account.

The system for confirming the depositor of a virtual account according to an embodiment of the present invention includes a depositor information input unit for receiving depositor information for confirming a depositor and registering the depositor; A depositor information verifying unit for verifying the deposited depositor information; And a virtual account created for the depositor and a part of the depositor information that has been verified in order to register the depositor corresponding to the verified depositor information to the bank server, And when there is an attempt to deposit the virtual account, the bank server compares the information of the person who tried to deposit the virtual account with the registration information of the registered depositor from the bank server, And a communication unit for receiving a result of confirming whether or not the registered banker matches the registered banker.

The depositor information may include the name and the account number of the depositor.

The depositor information verifying unit can verify the depositor information by confirming whether or not the entered depositor's account number of the depositor matches the entered depositor's name.

The depositor information verifying unit verifies whether the depositor's account number is a transactionable account number by depositing a predetermined amount in the account corresponding to the account number of the depositor through the bank server, Can be performed.

The remitter information may further include a mobile phone number of the remitter.

The depositor information verifying unit verifies the short message service one-time password (SMS-OTP) for confirming the mobile phone number of the depositor by issuing a one-time password as a short message to the depositor and inputting the one- Or an SMS-MO (Short Message Service Mobile Oriented) for confirming the mobile phone number of the depositor by sending a confirmation SMS message to the remitter and sending the SMS short message to the mobile phone receiving the SMS short message , It is possible to confirm whether or not the input mobile phone number of the money transferer is the mobile phone number held by the money transferer.

The depositor information verifying unit further receives from the depositor information input unit the date of birth of the depositor and whether the foreigner is foreign or not, and confirms whether or not the name of the depositor is blind based on the name, the telephone number, the date of birth, .

The system for confirming the depositor of the virtual account may further include a database unit for serializing and storing the name, the account number, and the mobile phone number of the depositor.

Wherein the communication unit inquires of the banker the existing deposit transaction details of the depositor from the bank server when the deposit amount for the virtual account exceeds a predetermined amount and only when the depositor's existing deposit transaction details are more than a predetermined number The virtual account and the deposit amount can be transmitted to the user terminal.

A method for confirming a real banker of a virtual account according to an embodiment of the present invention includes: inputting banker information for identifying a banker; Verifying the depositor information to which the depositor information verifying unit is inputted; Transmitting, to the bank server, a portion of the depositor information that has been verified and a virtual account created for the depositor to register the depositor corresponding to the depositor information verified by the communication section with the bank server; Transmitting the virtual account and the deposit amount to a user terminal; If there is an attempt to deposit the virtual account, the bank server compares the information of the person who attempted to deposit the virtual account with the registration information of the registered depositor, and determines whether the person who attempted the deposit matches the registered depository Checking; And receiving, from the bank server, a result of confirming whether or not the person who attempted the deposit matches the registered banker.

According to an aspect of the present invention, there is provided a method of controlling a banker, comprising the steps of: inputting banker information for identifying a banker, verifying the banker information inputted, and registering the banker corresponding to the banker information, And transmits the virtual account and the deposit amount to the user terminal, and when there is a deposit attempt for the virtual account, the bank server receives the virtual account from the bank server The information of the person who attempted to deposit money in the virtual account is compared with the registered information of the depositor and the result of confirming whether or not the person who attempted the deposit matches with the registered depositor is received, It is possible to deposit only the depositor, and important deposit who is the depositor It is possible to provide a system and method for confirming a real banker of a virtual account that can conduct a deposit transaction safely and accurately in a transaction.

FIG. 1 is a diagram schematically illustrating a system for confirming a depositor of a virtual account according to an exemplary embodiment of the present invention. Referring to FIG.
FIG. 2 is a flowchart illustrating an example of a process of registering a depositor of a system for confirming a depositor of a virtual account and confirming a depositor according to an embodiment of the present invention.
FIG. 3 is a flowchart illustrating an example of a process of confirming a depositor and determining whether a deposit is allowed in a bank server connected to a system for confirming a real depositor of a virtual account according to an embodiment of the present invention.
FIG. 4 is a flowchart illustrating a method for confirming a depositor of a virtual account according to an exemplary embodiment of the present invention. Referring to FIG.

The present invention will now be described in detail with reference to the accompanying drawings. Hereinafter, a repeated description, a known function that may obscure the gist of the present invention, and a detailed description of the configuration will be omitted. Embodiments of the present invention are provided to more fully describe the present invention to those skilled in the art. Accordingly, the shapes and sizes of the elements in the drawings and the like can be exaggerated for clarity.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

Further, the term "part" in the description means a unit for processing one or more functions or operations, which may be implemented by hardware, software, or a combination of hardware and software.

FIG. 1 is a diagram schematically illustrating a system for confirming a depositor of a virtual account according to an exemplary embodiment of the present invention. Referring to FIG.

Referring to FIG. 1, a system 100 for confirming a depositor of a virtual account according to an exemplary embodiment of the present invention may communicate with a bank server 200 to exchange signals. The system 100 for confirming the real depositors of a virtual account according to an embodiment of the present invention includes a depositor information input unit 110, a depositor information verification unit 120, a database unit 130, and a communication unit 140 . The system 100 for confirming the depositor of the virtual account shown in FIG. 1 is according to one embodiment, and the components shown in FIG. 1 are not limited to the embodiment shown in FIG. 1, Changed or deleted.

The depositor information input unit 110 inputs depositor information for confirming the depositor. The depositor information is information for verifying the depositor information in the depositor information verifying unit 120 to be described later or may be inputted directly to the system 100 for confirming the depositor of the virtual account or may be inputted to a system such as a keyboard, May be input by a user via a user terminal equipped with an input device and transmitted to the system 100 for confirming the depositor of a virtual account.

The depositor information verifying unit 120 verifies the inputted depositor information. In one embodiment, the depositor information may include the name and account number of the depositor. At this time, since the inputted account number of the depositor may be deliberately erroneously entered or mistakenly inputted as an error, the depositor information input unit 110 may match the inputted depositor's account number with the inputted depository name The banker information can be verified. The depositor information verifying unit 120 can access the bank server 200 of the account number of the depositor to inquire the account holder of the deposited account number of the depositor.

In one embodiment, the depositor information verifying unit 120 deposits a predetermined amount in the account corresponding to the account number of the depositor through the bank server 200, checks whether the depositing is completed, Can be a transaction number that can be traded. For this, the depositor information verification unit 120 may perform a penny test, for example. Even if it is confirmed that the depositor of the account number of the depositor who matches the depositor's name matches the inputted depository's name, the depository information verification unit 120 may not be able to deal with the account number due to a transaction stop or the like, Is an account number that can be traded. Here, the predetermined amount may be a small amount of about 10 won or about 100 won since the account number only needs to be checked whether transactions are possible.

In another embodiment, the depositor information may further include a mobile phone number of the depositor. At this time, the depositor information verifying unit 120 can confirm whether the inputted mobile phone number of the depositor is the number of the mobile phone held by the depositor. For example, the depositor information verifying unit 120 may issue an SMS-OTP (short) message for confirming the mobile phone number of the depositor by issuing a one-time password as a short message to the depositor and inputting the one- An SMS-MO (Short Message Service) message for confirming the mobile phone number of the sender by sending a confirmation SMS message to the sender and sending a SMS message to the mobile phone receiving the SMS short message Message Service Mobile Oriented), it is possible to confirm whether the input mobile phone number of the sender is the mobile phone number held by the receiver.

The procedure for confirming the mobile phone number via SMS-OTP and SMS-MO can be performed in conjunction with the penny test. For example, when the user inputs a name, a mobile phone number, and an account number, the depositor information verification unit 120 deposits a small amount to the account number, transmits the deposit details to the user in a short message, The mobile phone number confirmation procedure and the penny test can be integrally performed.

The depositor information verifying unit 120 further receives the date of birth and date of foreigner of the depositor from the depositor information input unit 110 and receives the name of the remitter, the name of the remitter, the date of birth, You can check if you are blind. Since the subscription of the mobile phone is made only through the real name of the subscriber, the subscriber information verification unit 120 can confirm the real name of the subscriber through the name, telephone number, date of birth and foreigner of the subscriber.

Particularly, since the names of the depositors are changed by input of the depositors at the time of depositing in the account, or in the case of a bankbook of the company, the name of the company is entered together with the name of the company representative. If it is confirmed that they are blind, it can be judged that they do not match. Therefore, the depositor information verifying unit 120 can confirm the real name of the depositor by comparing the name of the depositor with the matched date of birth, instead of comparing the name of the depositor.

Similar to the penny test, the procedure for confirming the mobile phone number through the SMS-OTP and the SMS-MO can be performed in conjunction with the name confirmation procedure of the remitter. For example, when the user inputs a name, a mobile phone number, a date of birth, and a foreigner, the depositor information verification unit 120 transmits a confirmation short message to the user, Number confirmation procedure and the banker's real name verification procedure.

The system 100 for confirming the depositor of a virtual account according to an exemplary embodiment of the present invention performs the banker information verification process at various stages in the banker information verifier 120. [ Accordingly, when a virtual account for the depositor is generated in the future, it is possible to accurately confirm whether the depositor attempted to deposit in the created virtual account is correct.

In another embodiment, the depositor information verifying unit 120 is a face-to-face authentication system in which a user places a document such as an identification card and visits a direct sales office to authenticate the user, an email is sent to the user, To authenticate the user by clicking on the email, or by messaging the user by sending a message to the user via Social Messenger and clicking on the link in the message, or by calling the user's mobile phone to authenticate ARS (Automatic Response Service) authentication, and the like.

Hereinafter, with reference to FIG. 2, an example of the operation of the system 100 for confirming the depositor of a virtual account will be described in detail.

FIG. 2 is a flowchart illustrating an example of a process of registering a depositor of a system for confirming a depositor of a virtual account and confirming a depositor according to an embodiment of the present invention.

Referring to FIG. 2, if the user wishes to register a banker, the banker information is input through the banker information input unit 110 (S210). Here, the user refers to a person who wants to register himself / herself as a depositor using the user terminal 10 in order to carry out the deposit with the depositor information to be inputted. Then, the depositor information verifying unit 120 verifies the inputted depositor information (S220). Then, in order to register the depositor corresponding to the verified depositor information to the bank server 200, the communication unit 140 transmits a part of the verified depositor information and the virtual account generated for the depositor to the bank server 200 (S230). The bank server 200 registers a banker by registering a part of the received banker information and a virtual account created for the banker. At this time, the communication unit 140 can send only a part of the depositor's information to the bank server 200 except for the personal information of the depositor. The sensitive information of the depositor is used only for verification in the system 100 for confirming the depositor of the virtual account, and is not transmitted to the bank server 200, so that personal information is leaked from the bank server 200, Can be prevented.

Next, when the depositor registration is completed, the bank server 200 sends a confirmation message to the system 100 for confirming the depositor of the virtual account. Then, the system 100 for confirming the depositors of the virtual account transmits the virtual account and the deposit amount to the user terminal 10 (S250). The user attempts to deposit money according to the received virtual account and deposit amount (S260).

If there is an attempt to deposit the virtual account, the bank server 200 compares the information of the person who tried to deposit the virtual account with the bank server and the registered information of the depositor, It is confirmed whether or not it coincides with the depositor (S270). Then, according to the result, the bank server 200 determines whether or not to allow the deposit to the virtual account.

The bank server 200 compares the information of the person who has attempted to deposit the virtual account with the bank server 200 and the registration information of the registered depositor and confirms whether or not the person who attempted the deposit matches the registered depositor, To the system 100 for confirming the depositors (S280).

Returning to FIG. 1, the database unit 130 serializes and stores the name, account number, and mobile phone number of the depositor. That is, the database unit 130 stores the name, the account number, and the mobile phone number of the depositor in a serial manner so as to correspond to each other, so that even if only one of the depositor information is known, other information can be easily retrieved.

The communication unit 140 transmits to the bank server a part of the depositor information and the virtual account generated for the depositor to verify the depositor corresponding to the verified depositor information to the bank server, The virtual account and the deposit amount are transmitted.

If there is an attempt to deposit the virtual account created for the depositor, the bank server 200 compares the information of the person who tried to deposit the virtual account with the registered depositor information, Confirm whether they match the depositor. At this time, the bank server 200 can inquire the name, account number, and mobile phone number of the depositor stored in the database unit 130 and use it.

The bank server 200 determines whether or not to allow the deposit in the virtual account according to the result of checking whether the person who attempted the deposit matches the registered banker.

3, an example of the operation of the bank server 200 operating in communication with the system 100 for confirming the depositor of the virtual account will be described in detail.

FIG. 3 is a flowchart illustrating an example of a process of confirming a depositor and determining whether a deposit is allowed in a bank server connected to a system for confirming a real depositor of a virtual account according to an embodiment of the present invention.

Referring to FIG. 3, if there is a deposit attempt for the virtual account created for the depositor, the bank server 200 inquires about the information of the person who attempted the deposit (S310). That is, the bank server 200 inquires the name and the account number of the person who attempted to deposit money.

The bank server 200 confirms whether the information of the person who attempted to deposit is identical to the registered banker information (S320). In other words, the bank server 200 confirms whether the name of the person who made the deposit and the account number match the registered bank account name and account number.

Then, when the information of the person who attempted to deposit is identical to the registered banker information, the bank server 200 allows the deposit (S330). If the information does not match, the bank server 200 does not allow the deposit (S340).

Referring back to FIG. 1, when the deposit amount of the virtual account exceeds the predetermined amount, the communication unit 140 inquires of the banker 200 about the existing deposit transaction details of the depositor, The virtual account and the deposit amount can be transmitted to the user terminal only when the details are more than a predetermined number of times. This is to allow the deposit to be made only to a high-credit user through a plurality of deposit transactions when the amount to be deposited in the virtual account is high. This makes it possible to prevent the exploitation of a virtual account in a large amount of transactions.

As described above, the bank server 200 permits the depositing after the bank server 200 confirms the depositor through the system 100 for confirming the depositor of the virtual account according to an embodiment of the present invention. Thus, If it is confirmed as a person, since the withdrawal of the bankbook of the person who is not the real bank transfer person is not performed, the person who is not the real bank transfer person can stop the transfer of the bank transfer, so the bank server confirms the withdrawal And reduce the inconvenience of having to return it again.

FIG. 4 is a flowchart illustrating a method for confirming a depositor of a virtual account according to an exemplary embodiment of the present invention. Referring to FIG.

Referring to FIG. 4, when a method for confirming the depositor of a virtual account is started according to an embodiment of the present invention, the depositor information input unit inputs the depositor information for confirming the depositor (S410). Then, the depositor information verifying unit verifies the depositor information (S420).

Then, in order to register the depositor corresponding to the depositor information verified to the bank server, the communication unit transmits to the bank server a part of the depositor information and the virtual account generated for the depositor (S430).

Then, the communication unit transmits the virtual account and the deposit amount to the user terminal (S440).

If there is a deposit attempt for the virtual account, the bank server compares the information of the person who tried to deposit the virtual account with the registered information of the depositor, and determines whether the person who tried to deposit the deposit matches the registered depository (S450).

Then, the communication unit receives a result of confirming whether or not the person who attempted the deposit from the bank server matches the registered banker (S460).

The method for confirming the depositor of the virtual account according to an embodiment of the present invention can be implemented by each component of the system for confirming the depositor of the virtual account described above, The method for confirming the real depositor of the account performs the verification for the real depositor of the virtual account similar to the system for confirming the real depositor of the virtual account described above. Therefore, the method of confirming the real depositor of the virtual account according to the embodiment of the present invention A detailed description of the method for the < / RTI >

The method for verifying the depositor of a virtual account according to an exemplary embodiment of the present invention may be implemented in a computer readable form such as a CD-ROM, a RAM, a ROM, a floppy disk, ), A hard disk, a magneto-optical disk, a Secure Digital (SD) card, a micro SD card, or a Universal Serial Bus (USB) memory.

The method for confirming the depositor of a virtual account according to an embodiment of the present invention may be implemented in the form of a web-based program or an application installed in a mobile terminal It is possible. In addition, the program implementing the method for confirming the depositor of the virtual account according to the embodiment of the present invention may be installed in a system for confirming the depositor of the virtual account according to an embodiment of the present invention.

In the practice of the present invention, some examples of information for confirming the depositor of the virtual account have been described. However, the present invention is not limited to this, and various information for identifying the expressions of intent to deal with a specific transaction can be used while confirming the express intention of the user by the deposit act itself.

For example, the information for confirming the depositor of the virtual account may include previously registered identification information. For example, the identification information may include, in addition to the sender's name, account number, and telephone number, an authentication code, a deposit amount, a deposit date, pre-registered character information, biometric information registered in advance, previously registered image information, City information, a money transfer control number (MTCN), and the like. Such information may be combined in various numbers to be used to identify and authenticate the user. Here, some or all of the telephone numbers may be used.

For example, it is possible to judge whether the authentication code is the same or not. For example, it is possible to judge whether or not the deposit amount is the same. For example, it is possible to judge whether or not the deposit is within the deposit due date. For example, it can be determined whether the country where the funds are transferred or the city information is a pre-registered country or city.

The character information may include letters, symbols, numbers, and shapes. The image information may include signature information, photo information, and moving image information.

The biometric information registered in advance may include various information such as, for example, previously recorded voice information, iris information, pre-registered vein information, and walking information.

Such identification information may be registered in the bank server 200 as depositor information for confirming the depositor, and may be used by the bank server 200 to check whether the depositor attempt is identical to the registered depositor.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken as limitations. 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.

100: System for confirming the depositors of virtual accounts
110: Depositor information input unit
120: Depositor information verification unit
130:
140:
200: Bank server

Claims (10)

A depositor information input unit for inputting depositor information for confirming a depositor;
A depositor information verifying unit for verifying the deposited depositor information; And
And transmits to the bank server a virtual account created for the depositor and a part of the depositor information that has been verified so as to register the depositor corresponding to the verified depositor information in the bank server, The bank server compares the information of the person who has attempted to deposit the virtual account with the bank server and the registration information of the registered depositor from the bank server, And a communication unit for receiving a result of confirming whether or not the depositor matches the depositor.
The method according to claim 1,
The depositor information includes:
And a name and an account number of the depositor.
3. The method of claim 2,
The banknote-
Wherein the depositor information is verified by confirming whether or not the deposit holder of the account holder's account number inputted is identical to the inputted depository agent's name.
The method of claim 3,
The banknote-
A test is performed to deposit a predetermined amount in an account corresponding to the account number of the depositor through the bank server and confirm whether the depositor's account number is a transactionable account number by confirming whether or not the deposit is completed. A system for identifying the depositors of virtual accounts.
3. The method of claim 2,
The depositor information includes:
And further comprising a mobile phone number of the depositor.
6. The method of claim 5,
The banknote-
An SMS-OTP (Short Message Service One Time Password) for issuing a one-time password to the remitter by a short message and inputting the one-time password to the system by the remitter to check the mobile phone number of the remitter, (Short Message Service Mobile Oriented) for confirming the mobile phone number of the sender by sending a short message and sending a reply short message to the mobile phone receiving the short message for confirmation by the sender, And confirms whether the mobile phone number of the depositor matches the number of the mobile phone held by the depositor.
6. The method of claim 5,
The banknote-
Further comprising: an input unit for inputting the date of birth and date of foreigner of said depositor from said depositor information input unit, and confirming whether or not the name of said depositor is blind based on the name, telephone number, date of birth, A system for confirming the depositors of an account.
6. The method of claim 5,
Further comprising a database unit for serializing and storing the name, account number, and mobile phone number of the depositor.
The method according to claim 1,
Wherein,
If the depositing amount for the virtual account exceeds a predetermined amount, inquires the existing deposit transaction details of the depositor from the bank server, and only when the deposit transaction details of the depositor exceeds a predetermined number of times, A virtual account and a deposit amount are transmitted to the virtual account.
The depositor information inputting unit inputting the depositor information for confirming the depositor;
Verifying the depositor information to which the depositor information verifying unit is inputted;
Transmitting, to the bank server, a portion of the depositor information that has been verified and a virtual account created for the depositor to register the depositor corresponding to the depositor information verified by the communication section with the bank server;
The communication unit transmitting the virtual account and the deposit amount to the user terminal;
If there is an attempt to deposit the virtual account, the bank server compares the information of the person who attempted to deposit the virtual account with the registered information of the depositor, and determines whether the person who attempted the deposit matches the registered depository Checking; And
And receiving a result of confirming whether or not the communication unit has attempted to make a deposit from the bank server and match the registered banker to the registered banker.

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