KR20190000875A - Method for Remitting Money between Mobile Device - Google Patents

Abstract

According to the present invention, a method for remitting money between wireless devices, a method performed through a transaction server of providing remittance transaction, is configured to: receive remittance transaction request information including remittance amount information and recipient wireless terminal information which are input via a remitter′s wireless terminal; confirm one or more pieces of recipient-related information through a recipient wireless terminal corresponding to the recipient wireless terminal information, provide recipient-related information to a server designated for processing real name authentication, make a request for real name authentication of the recipient in order to confirm recipient account information, and confirm a result of the real name authentication of the recipient when the remittance transaction request information does not include the recipient account information, and the recipient account information registered in association with the recipient wireless terminal information included in the remittance transaction request information is unconfirmed; and, when the real name authentication of the recipient succeeds, perform a transaction procedure for receiving a remittance amount via the recipient account information designated by the recipient whose real name is authenticated. According to the present invention, transaction statement of a remittance transaction, not approved by a recipient, is not recorded in the recipient′s account, thereby having an effect of inducing a remittance transaction safe for the recipient.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001]

The present invention provides a method executed through a transaction server that provides a remittance transaction, the method comprising: receiving remittance transaction request information including remittance amount information input via the remitter's wireless terminal and remittee wireless terminal information, When the receiver information is not included in the information and the recipient account information registered in association with the receiver wireless terminal information included in the remittance transaction request information is not confirmed, the receiver wireless terminal corresponding to the receiver wireless terminal information transmits one or more receiver- Confirms the result of authenticating the real name of the receiver after requesting the receiver's real name authentication for confirming the receiver account information by providing the receiver-related information to the designated server to process the real name authentication, The payee account information designated by the real name authenticated payee It relates to a transfer method between the wireless terminal to perform a transaction procedure for the receipt of the remittance amount.

As the development of information and communication technology has been applied to the financial sector, financial transactions traditionally visited at bank windows and faced with face-to-face authentication have evolved into non-face-to-face financial transactions that provide financial transactions through non-face- Various communication identifier-based remittance services have also been proposed that provide remittance transactions in a non-face-to-face manner using an e-mail address or cell phone number instead of an account number.

Until now, the proposed communication identifier-based remittance service uses the remittee's communication identifier instead of the remittee account number in the remittance transaction of the conventional non-face-to-face financial transaction system, except that the remittee communication identifier is converted into a previously stored remittance account number. Of-face / non-face-to-face financial transactions. Here, the conventional remittance transaction procedure means that the remittance amount is withdrawn from the account of the remitter according to the remittance transaction request of the remitter, and is deposited into the remitter account (or the remittee account converted from the remittee's communication identifier) The operator operating the remittance transaction becomes the operating entity of the remittance transaction and proceeds the remittance transaction to the remittance account.

On the other hand, the communication identifier-based remittance service is characterized in that a remittance transaction is provided even if the remittee does not disclose his / her account number to the remitter, and thereby the remittance transaction (for example, bribery provision) The possibility is implied. In order to block the remittance transaction of the intentional intention described above, the remittee should be given an opportunity to refuse the remittance transaction. In the conventional remittance transaction procedure, the remittee does not have a chance to reject the remittance transaction at all.

If the remittee does not want the remittance transaction, the remittee has the inconvenience that the remittance amount transferred to his / her account must be transferred to another remittance transaction for depositing the remittance amount to the remittance account, and once the remittance transaction has occurred The transaction details are recorded in the transaction details of the remitter account as well as the transaction details of the remitter account and can not be erased.

Meanwhile, the recipient of the remittance transaction interrupts the proceeding of the remittance transaction in order to approve / reject the proceeding of the remittance transaction requested by the remitter, and the recipient inquires and approves / rejects the interrupted remittance transaction process. Interrupting a remittance transaction that is unilaterally operated by the account operator is very difficult in financial transactions practice. Even if the remittance transaction is interrupted, it is difficult for the remitter to inquire the process of the remittance transaction proceeding unilaterally at the remitter's side. It is practically impossible without command.

An object of the present invention is to provide a method executed through a transaction server that provides a remittance transaction, comprising the steps of: receiving remittance transaction request information including remittance amount information input via a remitter's wireless terminal and remittee wireless terminal information; When the remittance transaction request information does not contain remittance account information and the remittee account information registered in association with the remittee wireless terminal information included in the remittance transaction request information is unconfirmed, Related information to the designated server to process the real name authentication to request the recipient's real name authentication to confirm the recipient's account information and then confirm the result of authenticating the real name of the recipient, And when the recipient real name authentication is successful, the real name authenticated recipient And a third step of performing a transaction procedure for receiving the remittance amount through the designated remittee account information.

A method for remitting a wireless terminal according to the present invention is a method executed through a transaction server that provides a remittance transaction, the remittance transaction request information including remittance amount information input via the remitter's wireless terminal and remittee wireless terminal information Receiving remission transaction request information including remittee account information included in the remittance transaction request information and unrecognized remittee account information registered in association with the remittee wireless terminal information included in the remittance transaction request information, Related information to the designated server to process the real name authentication, requests the receiver's real name authentication for confirming the receiver account information, and authenticates the real name of the receiver A second step of confirming whether or not the receiver real name authentication is successful, Through the receiving account information designated by the authentication recipient it characterized in that it comprises a third step of performing the transaction process for the receipt of the transfer amount.

In the wireless terminal-based remittance method according to the present invention, the real name authentication may be performed not by password-based authentication registered during the subscription process of the remittee but by a separate designated server for account opening or account assignment prior to the remittee's enrollment And the authentication of the user is performed.

The remittance transaction request information may further include a remittance message directly input by the remitter through the remitter of the remitter, and the remittance transaction request message may be transmitted directly to the remitter by the remitter And the contents of the received remittance message are included.

In the method for remitting money between wireless terminals according to the present invention, in the case of receiving the remittance transaction request information, an amount corresponding to the remittance amount information of the remittance transaction request information is received by the remittee account confirmed after connection of the remittee wireless terminal And constructing and storing transaction details for performing the transaction.

The method may further include the step of setting an expiration date for processing the receipt transaction using the stored transaction details and automatically canceling the receipt transaction using the transaction details when the expiration date has elapsed And further comprising:

The method further comprises confirming connection of the remittee wireless terminal corresponding to the remittee wireless terminal information when the remittance transaction request information is received in the wireless terminal remittance method according to the present invention.

In the method of remotely transferring between wireless terminals according to the present invention, when receiving the remittance transaction request information, a remittance transaction request message for instructing connection of remittee status is sent using the remittee wireless terminal information included in the remittance transaction request information And confirming the connection of the recipient wireless terminal in response to the receipt transaction request message from the recipient wireless terminal that has received the receipt transaction request message.

The third step includes performing a transaction procedure of the receiving transaction using the remittee account information designated by the real name authenticated recipient and the stored transaction details, .

In the wireless terminal remittance method according to the present invention, in the third step, m (m > = 1) transaction details including remittee wireless terminal information corresponding to the receiver terminal identified as the connection among the stored transaction details (M ') < / RTI > of the transaction details provided to the recipient wireless terminal at the time of acceptance of the receiving transaction through the recipient wireless terminal, 1 ≤ m ≤ m) to the remittee account.

A method for remitting a wireless terminal according to the present invention is a method executed through a transaction server that provides a remittance transaction, the remittance transaction request information including remittance amount information input via the remitter's wireless terminal and remittee wireless terminal information A second step of receiving the remittance transaction request information including the remittee account information and confirming the connection of the remittee wireless terminal corresponding to the remittee wireless terminal information when the remittee account information previously registered is not confirmed; Related information to the designated server in order to check the one or more payee-related information through the wireless terminal of the receiver confirmed by the connection and request the real name authentication of the payee after providing the payee related information to the designated server for processing the real name authentication, A third step of confirming the result of authentication, and a step And a fourth step of performing a transaction procedure for receiving the remittance amount through the remittee account information designated by the real name real name authenticated remittee.

In the wireless terminal-based remittance method according to the present invention, the real name authentication may be performed not by password-based authentication registered during the subscription process of the remittee but by a separate designated server for account opening or account assignment prior to the remittee's enrollment And the authentication of the user is performed.

In the method for remitting money between wireless terminals according to the present invention, in the case of receiving the remittance transaction request information, an amount corresponding to the remittance amount information of the remittance transaction request information is received by the remittee account confirmed after connection of the remittee wireless terminal And constructing and storing transaction details for performing the transaction.

The method may further include the step of setting an expiration date for processing the receipt transaction using the stored transaction details and automatically canceling the receipt transaction using the transaction details when the expiration date has elapsed And further comprising:

In the method of remotely transferring between wireless terminals according to the present invention, when receiving the remittance transaction request information, a remittance transaction request message for instructing connection of remittee status is sent using the remittee wireless terminal information included in the remittance transaction request information And the second step includes checking the connection of the remittee wireless terminal in response to the receipt transaction request message from the remittee wireless terminal that has received the receiving transaction request message .

In the wireless terminal-based remittance method according to the present invention, the third step is a step of, when confirming the connection of the remittee wireless terminal, providing the remittee-related information to the designated server, requesting the remittee real name authentication and authenticating the real name of the remittee And confirming the result.

In the wireless terminal-based remittance method according to the present invention, the fourth step may include performing a transaction procedure of the receiving transaction using the remittee account information specified by the real name authenticated recipient and the stored transaction details .

In the wireless terminal remittance method according to the present invention, in the fourth step, m (m > = 1) transaction details including payee wireless terminal information corresponding to the receiver terminal identified as the connection among the stored transaction details (M ') < / RTI > of the transaction details provided to the recipient wireless terminal at the time of acceptance of the receiving transaction through the recipient wireless terminal, 1 ≤ m ≤ m) to the remittee account.

A method for remitting a wireless terminal according to the present invention is a method executed through a transaction server for processing a remittance transaction, the remittance transaction request information including remittance amount information input via the remitter's wireless terminal and remittee wireless terminal information A second step of constructing and storing transaction details for performing a receiving transaction for receiving the amount corresponding to the remittance amount information of the remittance transaction request information to the remittee account that is confirmed when the remittee wireless terminal is connected, When the recipient's account information of the registered recipient's name is not confirmed when the recipient's wireless terminal corresponding to the recipient's wireless terminal information is confirmed, the recipient's mobile terminal confirms one or more recipient- Related information to a server for processing real name authentication of the receiver A third step of processing recipient real name authentication for designating recipient account information of a person in charge, and a third step of authenticating recipient real name authentication for designating recipient account information of a person in charge of the receiving transaction using the recipient account information specified by the real name authenticated recipient and the stored transaction details And the third step includes the step of, when the recipient wireless terminal corresponding to the recipient wireless terminal information confirms the recipient account information of the registered recipient name upon accessing the recipient wireless terminal information, And performing a transaction procedure of the receiving transaction using the stored transaction details.

In the method of remotely transferring between wireless terminals according to the present invention, the third step may include a step of processing a payment transaction request message for guiding the connection of the remittee's payment using the remittee wireless terminal information included in the remittance transaction request information And confirming that the connection of the wireless terminal is a connected wireless terminal connection in response to the receipt transaction request message upon confirmation of connection of at least one wireless terminal.

The remittance transaction request information may further include a remittance message directly input by the remitter through the remitter of the remitter, and the remittance transaction request message may be transmitted directly to the remitter by the remitter And the contents of the received remittance message are included.

In the wireless terminal-based remittance method according to the present invention, the remittee account includes a remittee virtual account opened in the remittee name.

In the method of remotely transferring between wireless terminals according to the present invention, the fourth step includes: m (m > = 1) transaction details including the wireless terminal information connected and authenticated as the remittee- And providing the confirmed transaction details to the receiver's wireless terminal.

The method may further include the step of setting an expiration date for processing the receipt transaction using the stored transaction details and automatically canceling the receipt transaction using the transaction details when the expiration date has elapsed And further comprising:

A method for remitting a wireless terminal using a virtual account according to the present invention is a method executed through a server for providing remittance transactions, the remittance method comprising: a first step of establishing a virtual account of a remitter to request a remittance transaction; A second step of receiving remittance transaction request information including the inputted remittance amount information and the remittee wireless terminal information and a second step of receiving remittance transaction request information including remittance amount information of the remittance transaction request information and remittee wireless terminal information A third step of configuring transaction details to be stored in the remitter's virtual account, and a fourth step of processing the receipt transaction request message for guiding the recipient's access to the remittee wireless terminal corresponding to the remittee wireless terminal information to be sent out When the connection of the wireless terminal is confirmed, the connection of the wireless terminal is connected in response to the receipt transaction request message A fifth step of identifying whether or not the wireless terminal connection of the receiver status is the connection of the receiver terminal that has received the receipt transaction request message by using the receiver wireless terminal information, (M > = 1) transaction details including the wireless terminal information that has been connected and authenticated as the receiver status as the receiver wireless terminal information among the stored transaction details at the receiver authentication connection authentication of the receiver wireless terminal that has received the message The method of claim 1, further comprising the steps of: (a) providing at least one of a plurality of transactions to the recipient's wireless terminal; And performing a remittance procedure for remitting the remittance amount of the remitter Wherein the remittance transaction request information further includes a remittance message directly inputted by the remitter through the remitter of the remitter, and the remittance transaction request message includes the contents of the remittance message directly input by the remitter .

The method of remotely transferring money using a virtual account according to the present invention further includes processing a communication company subscription authorization for a wireless terminal of the remitter or a real name authentication of a remitter, And a virtual account of the remitter who has been opened is opened.

The method of remitting a wireless terminal using a virtual account according to the present invention further comprises a step of processing a communication company subscription authentication to the remittee wireless terminal or a real name authentication of the remittee to the remittee wireless terminal when the remittee wireless terminal is connected .

In the wireless terminal-based remittance method using a virtual account according to the present invention, the eighth step is a step of transferring the remittance amount of m '(1? M'm ) Transaction details of the transaction history.

In the wireless terminal-based remittance method using a virtual account according to the present invention, the step (eighth step) performs the remittance procedure according to a specified money settlement procedure between a server providing the remittance transaction and a financial company server associated therewith .

A wireless terminal-based remittance system using virtual account right control according to the present invention is a remittance system for a wireless terminal using virtual account right control of at least one remitter wireless terminal and a server connected to a remittee wireless terminal, A virtual account opening means for opening a virtual account for remittance of N (N > 1) remittance persons who are connected as a remitter by way of the remitter status and authenticated as a subscriber of the communication company; and n (1 (1 ≤ n ≤ n) corresponding to a subset of the remittance virtual account of the remittance transaction request information including remittance amount information and remittee wireless terminal information N 'sender side transaction details based on the received remittance transaction request information, A remitter's virtual account operating means for recording a remittance access right of the remitter's transaction details in a remittee accessible state; A remittee wireless terminal confirmation means for confirming the terminal information, and a controller for controlling the n 'number of remitter virtual terminals based on the payee qualification result of the remittee wireless terminal information and the ledger access right of the remitter side transaction details of the n' (M > = 1) transaction details including the remittee wireless terminal information by inquiring the remitter side transaction details recorded in the ledger of the account, and a m Transaction history transmission means for transmitting the transaction details to the receiver's wireless terminal, Transaction history receiving means for receiving transaction details of m '(1? M'? M) transactions for which receipt of a remittance amount of the remittee is approved among m transactions details from a wireless terminal; A remitter virtual account opening means for opening a remittance virtual account of the remittee name (or confirming the remittee virtual account of the already established remittee name), and remittance amount corresponding to the m'th transaction details to the m ' And a payee virtual account operating means for withdrawing money from the account and transferring the money to the remittee virtual account.

According to the present invention, the wireless terminal remittance system using the virtual account authority control is configured to authenticate the communication company subscription status of the remitter wireless terminal connected with the remitter status via the communication company server, And a wireless terminal authentication unit that authenticates the wireless terminal.

According to the present invention, the wireless terminal remittance system using the virtual account authority control may further include a remitter virtual account charging means for withdrawing the recharge amount from the real account of the remitter's name and charging the remitter's virtual account.

According to the present invention, the wireless terminal-based remittance system using the virtual account authority control may be configured to receive the at least one remittee wireless terminal corresponding to the remittee wireless terminal information included in the n ' And may further include a transaction request means.

According to the present invention, in the inter-wireless terminal remittance system using the virtual account authority control, the transaction details receiving means receives m "(1≤m" ≤ (m-m ')) from which the receiver is rejected from the remittee wireless terminal, , And the remitter virtual account operating means sets the ledger access authority for m " remitter transaction details recorded in the remitter virtual account corresponding to the received m " transactions details to the remittee inaccessible state .

A wireless terminal according to the present invention is a wireless terminal connected to a server for providing remittance service between wireless terminals, comprising: a server connection unit connecting to the server as a remittee via a communication network; (1? N? N) remittance virtual accounts that have been charged with a certain amount of the virtual accounts of the remitter who are set in the virtual account of n 'number of remitter accounts for storing remittance transactions for remittance transactions requested from the remitter's wireless terminal A transaction history receiving unit for receiving m (m? 1) transaction details inquired based on a recipient's access right of the recipient; and a transaction history receiving unit for receiving m '(1? M'≤m) An interface output unit for outputting an acceptance transaction decision interface for determining an acceptance transaction decision request, And receiving transaction authorization processing unit for transmitting to, and a call received from the server transaction result output to the receiving transaction output by receiving a received transaction result information to the request information.

According to the present invention, in the wireless terminal, the interface output unit configures transaction details request information for inquiring the remitter transaction details of n 'number of remitter virtual accounts for which the remittee access right of the remittee is set, Can be further output.

According to the present invention, in the wireless terminal, the receiving transaction decision interface includes an interface for determining m " (1? M?? (M-m ')) receipt transaction denial transaction details of the received m transaction details , And the receipt transaction approval processing unit may construct receipt transaction rejection information for rejecting the receipt transaction for the m " transactions details and transmit it to the server.

According to the present invention, the wireless terminal may further include an electronic document storage unit configured to store m received transaction electronic documents corresponding to the received m transaction details and store the received transaction electronic documents in an electronic document storage area.

According to the present invention, when the m receiving transaction electronic document corresponding to the m transaction details is stored in the electronic document storage area, when the receiving transaction for the m'th transaction details is processed, And deleting an electronic document to delete m 'pieces of receiving transaction electronic documents stored in the area.

According to the present invention, when m receiving transaction electronic documents corresponding to the transaction details of m are stored in the electronic document storage area, the wireless terminal calculates m "(1? M"? m ') ') of the receiving transaction electronic document stored in the electronic document storing area when the receiving transaction is rejected for the receiving transaction electronic document.

According to the present invention, when the remittee access right of the remitter virtual account of the remitter who requested the remittance transaction is maintained in the remittee accessible state, the remittee views the remitter's virtual account through its own wireless terminal, There is an advantage in that only authorized transfer transactions are selectively processed.

According to the present invention, the remittance transaction not approved by the remittee has the advantage of preventing the transaction details from being recorded in the remittee account, thereby inducing the remittee to make a safe remittance transaction.

1 is a diagram illustrating a configuration of a wireless terminal-based remittance system according to an embodiment of the present invention.
FIG. 2 is a diagram showing a functional configuration of a receiver wireless terminal according to an embodiment of the present invention. FIG.
3 is a diagram illustrating a process of opening a remitter virtual account according to an embodiment of the present invention.
4 is a diagram illustrating a remittance transaction requesting process of a remitter wireless terminal according to an embodiment of the present invention.
5 is a diagram illustrating a process of processing a remittance transaction request of a remitter wireless terminal in a remittance transaction server according to an embodiment of the present invention.
FIG. 6 is a diagram illustrating a process for deriving an acceptance transaction for processing a remittance transaction according to an embodiment of the present invention.
7 is a diagram illustrating a process of accepting / rejecting an acceptance transaction for processing a remittance transaction according to an embodiment of the present invention.
FIG. 8 is a diagram illustrating a remittance transaction process according to an embodiment of the present invention.

The operation principle of the preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings and description. It should be understood, however, that the drawings and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention, and are not to be construed as limiting the present invention. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. The terms used below are defined in consideration of the functions of the present invention, which may vary depending on the user, intention or custom of the operator. Therefore, the definition should be based on the contents throughout the present invention.

As a result, the technical idea of the present invention is determined by the claims, and the following embodiments are merely means for effectively explaining the technical idea of the present invention to a person having ordinary skill in the art to which the present invention belongs Only.

FIG. 1 is a diagram illustrating a configuration of a wireless terminal-based remittance system according to an embodiment of the present invention.

In more detail, FIG. 1 shows a case where n (1? N? N) corresponding to a subset of n (1? N? N) remittant virtual accounts in which a certain amount of N ) To the at least one remittee wireless terminal (200) from the wireless terminal (190) of the remitter (200) of the remitter's account, the ledger access right to the remitter transaction details corresponding to the remittance request through the n ' (M < = m >) of the remittance requests m '(1 < = m < = m) requested by the remittee of the remittance- A person skilled in the art will be able to refer to and / or modify the FIG. 1 to understand various methods of organizing remittance systems between the wireless terminals , Some components Or, or would be able to infer the granular or, or combined embodiment method), the present invention is made, including any exemplary way in which the inference, to which the the technical features are not limited to the exemplary method shown in the figure 1.

For example, in FIG. 1, the respective units constituting the remitter system of the wireless terminal are shown in the remittance transaction server 100 in the form of a component of the remittance transaction server 100, It is to be understood that the present invention is not limited to the above-described embodiments and that various means may be embodied as separate servers according to the intention of those skilled in the art, or a combination of two or more means may be embodied as a server, The present invention is not limited to the above-described embodiments, but may be implemented in the form of a component of the transaction server 100.

According to the present invention, the wireless terminal-based remittance system includes a remitter wireless terminal 190 used by N (N> 1) remittance agents, a remittee wireless terminal 200 used by the remittee for remitting the remittance money remitted by the remitter, , And establishes N remitter virtual accounts in the ledger (170). Then, n 'remittant wireless terminals (190) corresponding to the n remittant virtual accounts of the N remitter virtual accounts charged with a predetermined amount from the remittee wireless terminal 200 to the remittee wireless terminal 200 for granting a librarian access right to request remittance of the n 'remitter virtual accounts to the remittee wireless terminal 200, and transmits the n' number of remittance requests from the remittee wireless terminal 200 without a separate remitter virtual account And a remittance transaction server 100 for processing m 'remittance requests approved by the remittee wireless terminal 200 among the m remittance requests by inquiring the remitter's virtual account. The remitter's wireless terminal 190 and the remittee's wireless terminal 200 are named to distinguish the purpose of using the remittance service of the wireless terminal connected to the remittance transaction server 100, The physical configuration of the terminal is not distinguished.

The remitter wireless terminal 190 collectively refers to a smartphone or a cellular phone used by a remitter and includes a wireless communication device used by a user who is connected to the remittance transaction server 100 as a remitter.

According to the embodiment of the present invention, the remittee wireless terminal 200 accesses the remittance transaction server 100 with the remitter's qualification and sends the remitter's name to the remittee 170 via the remittance transaction server 100 When a virtual account is opened and a certain amount is filled in the remitter's virtual account, remittance transaction request information including at least one of remittance amount information, remittee wireless terminal 200 information, and remittance message is transmitted in response to the remittance transaction request of the remitter And transmits the program to the remittance transaction server 100.

The remittee wireless terminal 200 collectively refers to a smart phone or a mobile phone used by a receiver who receives remittance money remitted by the remitter, and a user connected to the remittance transaction server 100 as a remittee And a wireless communication device.

According to the embodiment of the present invention, the remittee wireless terminal 200 accesses the remittance transaction server 100 with the remittee status and transmits the remittance to the remittee server 100 via the remittance transaction server 100, (M ') of m transactions among the m transaction details by inquiring the ledger 170 of the n' number of remitter virtual accounts for which the remittee's access right is set among remittant virtual accounts, And a program for approving receipt of the remittance amount.

Referring to FIG. 1, the remittance transaction server 100 exchanges data by connecting a communication channel with a wireless terminal having the program, and transmits remittance or payee status of a user connected through the wireless terminal And interface means (140) for identification.

The interface means 140 connects a communication channel with a remitter's wireless terminal 190 requesting a remittance transaction through a wireless communication network and transmits data between the remitter's wireless terminal 190 and the remittance transaction server 100 via the communication channel, And extracts the wireless terminal information corresponding to the remitter wireless terminal 190 in the connection process of the remitter wireless terminal 190 and provides the extracted information to the wireless terminal authentication means 150. [

According to the embodiment of the present invention, when the interface unit 140 manages and connects the program by the wireless terminal or selects a menu related to the remittance transaction request while connected through the program, The user who is connected through the terminal is recognized as a remitter, and the connected wireless terminal is determined to be the remitter wireless terminal 190.

Alternatively, the interface means 140 may connect the recipient wireless terminal 200 corresponding to the recipient of the remittance transaction requested by the remitter's wireless terminal 190 to a recipient wireless terminal 200 through the communication channel, The wireless terminal authentication unit 150 extracts the wireless terminal information corresponding to the receiver wireless terminal 200 in the connection process of the receiver wireless terminal 200 and provides an interface for transmitting and receiving data between the transfer transaction server 100 and the remittance transaction server 100, .

According to the embodiment of the present invention, the interface unit 140 receives the receiving transaction request message corresponding to the remitting transaction request of the remitter's wireless terminal 190 in the wireless terminal, and accesses the receiving transaction request message in response thereto, When the user selects the menu related to the receiving transaction request while accessing through the program, or accessing through the program after outputting m transaction details through the program or accessing through the program , It is recognized that the user connected through the wireless terminal is connected to the receiver terminal, and the connected wireless terminal is determined to be the receiver wireless terminal 200.

Referring to FIG. 1, the remittance transaction server 100 authenticates the communication company subscription status of the remitter wireless terminal 190 connected to the remitter as a remitter through the communication company server 180, 200 to the communication terminal subscription status of the communication terminal.

When the wireless terminal information of the remitter wireless terminal 190 connected to the remittee as the remitter is acquired through the interface means 140, the wireless terminal authentication means 150 reads the remitter wireless terminal 190 information, (Or the remitter information provided from the remitter's wireless terminal 190) and the remitter's wireless terminal 190 information to the remitter's wireless terminal 190 by identifying the communication company server 180 connected to the terminal 190 The communication company server 180 compares the remitter's member information (or remitter's information) with the remitter's wireless terminal 190 information with the subscriber information and sends the result to the wireless terminal authentication means The mobile terminal authentication unit 150 reads the authentication result and authenticates the subscriber status of the communication company by the remitter (or remitter wireless terminal 190).

Or wireless terminal information of the receiver wireless terminal 200 accessed by the receiver means through the interface means 140 is acquired, the wireless terminal authentication means 150 reads the receiver wireless terminal 200 information, (Or the recipient information provided from the recipient wireless terminal 200) and the recipient wireless terminal 200 information about the recipient wireless terminal 200 by identifying the communication company server 180 connected to the terminal 200 The communication company server 180 compares the remittee's member information (or remittee information) with the remittee's wireless terminal 200 information with the subscriber information and sends the result to the wireless terminal authentication means (Or the recipient wireless terminal 200) authenticates the subscription status of the communication company by reading the authentication result.

Referring to FIG. 1, the remittance transaction server 100 includes remitter virtual account opening means 105 for opening a remittance virtual account of N (N> 1) remitter names for which the communication company subscription status is authenticated, And a remitter virtual account charging means (130) for withdrawing the charged amount from the actual account of the remitter's name and charging the remittant's virtual account.

When the remitter's subscription state of the remitter is authenticated, the remitter's virtual account opening means 105 confirms whether a virtual account of the remitter's name with which the subscriber's subscription status is authenticated is opened in the ledger 170. [

The ledger 170 in which the virtual account is opened may be a ledger 170 provided in a financial institution associated with the remittance transaction server 100 or may be linked to or synchronized with the ledger 170 of the financial server 175, And a ledger 170 in the remittance transaction server 100 that is set up to be able to receive the remittance.

If a virtual account is not opened in the ledger 170, the remitter virtual account opening means 105 regards the remitter's subscriber state registration result of the remitter as a remitter real name registration for opening a virtual account, A virtual account for remittance of the name of the remitter is opened. The real name authentication for opening a virtual account is not a real name authentication based on face-to-face authentication for opening a real account but a non-face-to-face authentication for opening a virtual account to be charged a certain amount from a real account of a remitter to provide a remittance transaction Based real name authentication.

When the remitter virtual account is opened or the remitter virtual account established in the name of the remitter is confirmed, the remitter virtual account charging means 130 checks whether the predetermined amount for providing the remittance transaction is charged to the virtual account do. Here, the predetermined amount for providing the remittance transaction is an amount greater than a predetermined minimum charging amount before the remittance transaction is generated from the remitter's wireless terminal 190, and a remittance transaction is generated from the remitter's wireless terminal 190 It means an amount larger than the remittance amount corresponding to the remittance transaction.

If the remitter virtual account charging means 130 does not charge a certain amount of money to the remitter's virtual account, the remitter virtual account charging means 130 may use the virtual account charging interface outputted through the program provided in the remitter's wireless terminal 190, A payment transaction corresponding to the predetermined amount is withdrawn from a real account of the remitter's name and a financial transaction is made to charge the remitter's virtual account. According to another embodiment of the present invention, the remitter virtual account charging means 130 notifies, via the payment means (for example, a credit card, a debit card, a prepaid card, a gift certificate, etc.) of the remitter, You can charge a virtual account for a certain amount.

Referring to FIG. 1, the remittance transaction server 100 receives n (1? N? N) corresponding to a subset of n (1? N? N) remitter virtual accounts, a remittance transaction request receiving means 135 for receiving remittance transaction request information including the remittance amount information and the remittee wireless terminal 200 information from the remitter wireless terminal 190 having the number n ' (N ') remitter accounts of the n' number of remittant virtual accounts, and maintains the ledger access authority for the remitter transaction details in the remittee accessible state, Receiving transaction request means for requesting an acceptance transaction to at least one recipient wireless terminal (200) corresponding to the recipient wireless terminal (200) information included in the transaction details of the n ' (145).

If a certain amount of money is charged to n remitter virtual accounts of the N remittant virtual accounts opened in the ledger 170 through the remitter virtual account charging means 130, the remittance transaction request receiving means 135 receives the remittance transaction request receiving means 135, The remittance amount information and the remittee wireless terminal 200 information from the n 'number of remitter wireless terminals 190 corresponding to the subset of the virtual account, and further include the remittance message And receives remittance transaction request information.

When the n 'number of remittance transaction request information is received from the n' number remitter's wireless terminal 190, the remitter virtual account operating means 110 transmits the remittance amount included in the remittance transaction request information to the remitter's virtual account And sets n 'number of remittance-side transaction details for setting the remittee wireless terminal 200 information as a transaction target item among the transaction details of the ledger 170. [ If the remittance transaction request information includes the remittance message, the remitter virtual account operating means 110 sets the remittance message as a list item of the transaction details of the ledger 170, (For example, a letter / number of possible digits recorded in the briefing item) is recorded in a separate supplementary ledger 170, and a unique identification code assigned to the remittance message is set as a line item of transaction details of the ledger 170 .

When the n 'number of remitter transaction details of the n' remittance transaction request information are configured, the remitter virtual account operating means 110 transmits the n 'remittant transaction details to each of the n' remittant virtual accounts Records the transaction history of the corresponding ledger 170 and maintains the ledger access authority of the remitter transaction details recorded in the transaction details of the ledger 170 in a state accessible to the recipient's inquiry request. In other words, transaction details of all the accounts (or virtual accounts) can be inquired only by the request of the name of the corresponding account, and a court order is required to view the account of the other person, while the remitter virtual account operating means 110, Keeps the transactions details of the remitter virtual account in a state in which inquiry is possible in response to the inquiry request of the remittee connected to the remitter. The access right setting for the transaction details of the remitter virtual account can be set through the contract of the remitter virtual account.

If n 'number of remittant transaction details that can be accessed by the remittee are recorded in the n' number remitter virtual accounts, the receipt transaction request means 145 transmits the n 'remittant transactions to the remittee wireless terminal 200 to at least one recipient wireless terminal 200, and transmits the received transaction request message to the recipient wireless terminal 200 by constructing a transaction request message for requesting a receiving transaction by inquiring transaction details of the remitter virtual account, And requests the wireless terminal 200 for a payment transaction for the n 'number of remittant transactions.

Referring to FIG. 1, the remittance transaction server 100 accesses the remittee terminal 200 through the remittee wireless terminal 200, and identifies the remittee wireless terminal 200 information, (S) of the n 'number of remitter virtual accounts based on the payee qualification result of the payee wireless terminal 200 information and the ledger access rights of the remitter side transaction details of the n' A remitter virtual account inquiry means 115 for inquiring the remitter transaction details recorded in the remitter's account 170 and confirming m (m? 1) transaction details including the remitter's wireless terminal 200 information, And a transaction history transmitting means (155) for transmitting m transaction details confirmed from the virtual account to the recipient wireless terminal (200).

When at least one wireless terminal that has received the receipt transaction request message accesses the receiver as a receiver and performs the communication company subscription status authentication procedure for the receiver (or recipient wireless terminal 200) through the wireless terminal authentication unit 150 , The receiver wireless terminal confirmation means 165 confirms that the receiver status of the receiver (or the receiver wireless terminal 200) is authenticated through the wireless terminal authentication means 150, and when the receiver status is authenticated, And confirms the information of the receiver wireless terminal 200 whose qualification is authenticated.

When the information on the remittee wireless terminal 200 is confirmed, the remitter virtual account inquiry unit 115 receives a reward access right to the remittee from the ledger 170 based on the payee qualification result of the remittee wireless terminal 200 information And the remitter transaction details recorded in the ledger 170 of the n 'remitter virtual accounts based on the remittee access right of the remitter for the n' remitter virtual accounts And transmits the confirmed transaction details of the remitter to the recipient wireless terminal 200 by inquiring the m sender's transaction details including the remittee wireless terminal 200 information in the transaction subject of the transaction details, Of transactions.

If the m transaction details including the receiver's wireless terminal 200 information from the n 'number of remitter virtual accounts are included in the transaction target item of the transaction details, the transaction details transmission unit 155 transmits the transaction information to the n' Transmits the transaction details to the recipient wireless terminal 200 or constructs a transaction history delivery message including the transaction details m and transmits the transaction history delivery message to the recipient wireless terminal 200.

The recipient wireless terminal 200 receiving the transaction details of m constitutes m receipt transaction electronic documents corresponding to the transaction details of the received m and stores the received transaction electronic documents in the electronic document storage area allocated to the memory unit 255, Thereafter, the recipient wireless terminal 200 can accept m 'number of receiving transactions at any time by selecting m' number of receiving and receiving electronic documents among m receiving and receiving electronic documents stored in the electronic document storing area.

Also, the remittee wireless terminal 200 outputs an acceptance transaction decision interface for determining m 'transactions to approve the receipt transaction among the m transactions. If m 'pieces of transaction approval transaction details are determined through the receiving transaction decision interface, the recipient wireless terminal 200 transmits the determined m' transactions to the remitting transaction server 100.

Referring to FIG. 1, the remittance transaction server 100 receives m '(1? M'? M) transactions from the remittee wireless terminal 200 that are approved to receive the remittance amount of the remittee among the m transactions A transaction history receiving unit 160 for receiving the transaction history, and a transaction history receiving unit 160 for receiving a transaction history of the recipient and receiving a transaction history of the recipient virtual account, And a remitter virtual account operating means 125 for withdrawing remittance amounts corresponding to the m'th transaction details from the m 'remittant virtual accounts and transferring them to the remittee virtual account.

When the transaction details received from the remittee wireless terminal 200 are determined to be m 'transactions through the receiving transaction decision interface, the transaction details receiving unit 160 receives the remittance amount of the remittee from the remittee wireless terminal 200 Of the transaction details, and when the transaction details of m 'are received, the remittee virtual account opening means 120 obtains a virtual account of the payee name to receive the remittance amount corresponding to the m' transactions Make sure it is open.

If a virtual account of the recipient's name is not established, the remittee virtual account opening means 120 transmits the communication company subscription status authentication result of the remittee via the wireless terminal authentication means 150 to the remittee The virtual account is assumed to be a real name authentication and a virtual account for the recipient of the recipient name is opened in the ledger 170. In other words, in FIG. 1, the remitter virtual account is confirmed to be open at the same time as the remitter's credential authentication, and is automatically opened based on the result of the remitter's subscriber's status verification before the remitter's request for remittance, At the time when m 'transaction details are received from the wireless terminal 200, it is confirmed whether it is opened and selectively opened based on the communication company subscription state authentication result of the remitter of the remittee.

If the recipient virtual account of the recipient name is opened after the transaction details of m 'are received from the recipient wireless terminal 200, or if the recipient virtual account established in the recipient name is confirmed, the recipient virtual account management The means 125 confirms m 'number of remitter virtual accounts corresponding to m' transactions received from the remittee terminal 200 and transmits the remittance information to the payee's account of the remitter transaction details of the m ' And transfers the m ' remittance amounts included in the m ' transactions from the m ' remitter virtual accounts to the remittee virtual account based on the access right.

If the remittance access right of the remittee to the remitter transaction details of the m 'number of remitter virtual accounts includes the automatic transfer right, the remittance virtual account operating means 125 transmits the automatic debit authorization 'Transferred from the m' number remitter virtual accounts to the remittee virtual account based on the m 'number of remittances included in the m' transactions.

According to another embodiment of the present invention, the remittee virtual account operating means 125 sets the remittee virtual account as a virtual remittance account, and then transmits remittance information to the remittee of the remittant-side transaction details of the m ' The m < th > buyer ' s virtual account using m < th > remittance transaction information using the remittance transaction information, Of the remittance amount to the remittee virtual account.

According to another embodiment of the present invention, when the remitter virtual account and the remittee virtual account are the same real account (for example, a real account of the remitting transaction server 100 or a real account of a financial institution) The remittance virtual account operating means 125 maintains the actual transaction amount of the m 'remittance amounts deposited in the parent account in accordance with the fund settlement procedure between the plurality of virtual accounts and the parent account, (For example, a transaction history in which remittance amounts are received from m 'number remittant virtual accounts) to be recorded in the transaction details of the remittee virtual account, and records them in the transaction details of the remittee virtual account, M 'of remittance amounts included in the m'th transaction details from the m' number remitter virtual accounts can be transferred to the remittee virtual account.

According to the method of the present invention, when m 'number of remittances included in the transaction details of m' are transferred from the m 'number remitter virtual accounts to the remittee virtual accounts, the remitter virtual account operating means 110 m 'of remittance transactions recorded in the remitter virtual account corresponding to the transaction details of' m 'transactions can be set to the recipient inaccessibility state, whereby the transaction details of the remitter transactions completed by the transaction can no longer be transferred to the recipient .

On the other hand, the remittee wireless terminal 200 that has received the m transactions details receives the m transactions (or m receiving transaction electronic documents stored in the electronic document storage area) received from the remittee wireless terminal 200, m " (m-m ')) of transactions, or an interface for rejecting the receipt transaction to the numeric transaction determination interface.

If m " receipt transaction rejection transaction details of m transaction details (or m receipt transaction electronic documents) are determined, the recipient wireless terminal 200 transmits m " transaction details in which the receipt transaction is rejected In this case, the transaction details receiving means 160 receives m " transactions details from the remittee wireless terminal 200, to which the remittee has been rejected, and the remitter virtual account operating means 110 transmits the received m & M "accesses to the remittance transaction details recorded in the remitter virtual account on the basis of the access right of the librarian to the transaction history of the remitter, and can set the remittee access right for the m" remittance transaction details to the remittee inaccessibility state, As a result, the transaction details of the remitter who completed the transaction are no longer referred to by the remittee.

If the director access right of the m " remitter transaction details is set to the remittee inaccessibility state and the intention of the remittee to refuse the transaction by the remittee for the m " remittance transactions is clearly confirmed, the remitter virtual account operating means 110 Transmits a transaction cancellation message including an intention to refuse the transaction to the remitter's wireless terminal (190) via the interface means (140), and transmits the remittance transaction request in response to the transaction cancellation message at the remitter's wireless terminal M " of the remittance-side transactions in which the receiving transaction has been canceled by the remittee after a certain period of time has elapsed after the cancellation message is delivered to the remitter's wireless terminal 190, (170), or attaches a transaction cancellation flag to distinguish it from other transaction details.

2 is a diagram showing a functional configuration of a receiver wireless terminal 200 according to an embodiment of the present invention.

More specifically, FIG. 2 is a diagram showing the relationship between the remittance transaction server 100 and the remittance transaction server 100. The remittance transaction server 100 is connected to the remittance transaction server 100, The m ' transaction details corresponding to the remittance request of the remitter are received, the m ' transaction details of the m transactions are selected by inquiring the ledger 170 of the n & As a person skilled in the art to which the present invention pertains, reference is made to and / or modified by reference to FIG. 2, illustrating a functional configuration of a recipient wireless terminal 200 including a program configuration for granting receipt of a remittance amount It is possible to deduce various methods of performing functions for each wireless terminal for remittance transactions between the wireless terminals. However, the present invention can be applied to all of the above- And the technical features thereof are not limited only by the method shown in FIG.

For example, if a person skilled in the art is familiar with the present invention, referring to and / or modifying FIG. 2, the remittance transaction server 100 may be connected to the remittance transaction server 100 as a remitter, The remitter terminal 190 constituting the remittance transaction request information and transmitting the remittance transaction request information to the remittance transaction server 100 when a virtual account for remittance of the name of the remitter is opened in the ledger 170 and a certain amount is charged in the remitter's virtual account, The program configuration of the remitter wireless terminal 190 and the program configuration of the remittee wireless terminal 200 shown in FIG. 2 are implemented in a single program configuration. However, FIG. 2 illustrates a program configuration provided in the recipient wireless terminal 200 for convenience.

2, the receiver wireless terminal 200 includes a control unit 205, a memory unit 255, a screen output unit 210, a key input unit 215, a sound output unit 220, a sound input unit 225 A wireless communication unit 235, a short range communication unit 240, a USIM reader unit 245 and a USIM 250 and a battery 230 for supplying power to the cellular phone or smart phone corresponding to the wireless terminal. At least one terminal constituting unit may be further provided according to the functions of the terminal.

The control unit 205 is a general term for a functional configuration for controlling the operation of the wireless terminal, and includes at least one processor and an execution memory, and is connected to each functional unit included in the wireless terminal through a bus (BUS) . According to the present invention, the control unit 205 loads at least one program code included in the wireless terminal into the execution memory through the processor, and transmits the result to the at least one functional unit through the bus And controls the operation of the wireless terminal. Hereinafter, a function configuration unit implemented in the form of program code for implementing the present invention will be described in the control unit 205 of FIG. 2 for convenience.

The memory unit 255 is a general term of a nonvolatile memory included in the wireless terminal, and stores at least one program code executed through the control unit 205 and at least one data set used by the program code, do. The memory unit 255 basically comprises a system program code and a system data set corresponding to an operating system of the wireless terminal, a communication program code and a communication data set for processing a wireless communication connection of the wireless terminal, and at least one application program code An application data set, and program code and data set for implementing the present invention are also stored in the memory unit 255.

According to the present invention, the memory unit 255 includes a program storage area (not shown) for storing program codes corresponding to the program structure shown in FIG. 2, an electronic document storage for storing at least one receipt transaction electronic document Region.

The screen output unit 210 includes a screen output device (e.g., an LCD (Liquid Crystal Display) device) and an output module for driving the screen output device 210. The screen output unit 210 is connected to the control unit 205 through a bus, And outputs an operation result corresponding to the screen output to the screen output device.

The key input unit 215 includes a key input device having at least one key button (or a touch screen device coupled to the screen output unit 210) and an input module for driving the key input unit. The control unit 205, And inputs a command for commanding various operations of the control unit 205 or data necessary for the operation of the control unit 205. [

The sound output unit 220 includes a speaker for outputting a sound signal and a sound module for driving the speaker. The sound output unit 220 is connected to the control unit 205 through a bus, And outputs the result of the operation through the speaker. The sound module decodes sound data to be output through the speaker and converts the sound data into a sound signal.

The sound input unit 225 includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits the sound data input through the microphone to the control unit 205. The sound module encodes and encodes a sound signal input through the microphone.

The wireless communication unit 235 is a collective term for communicating wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band, And transmits the result of calculation corresponding to the wireless communication among the various calculation results of the control unit 205 through wireless communication or receives data through wireless communication and transmits it to the control unit 205 And also maintains procedures for connection, registration, communication, and handoff of the wireless communication.

According to an embodiment of the present invention, the wireless communication unit 235 includes a mobile communication configuration that performs at least one of connection to a mobile communication network, location registration, call processing, call connection, data communication, and handoff according to the CDMA / WCDMA standard do. Meanwhile, according to the intention of a person skilled in the art, the wireless communication unit 235 may be an IEEE 802.16? According to the specification, the portable communication terminal can further include a portable Internet communication configuration for performing at least one of connection to a portable Internet, location registration, data communication, and handoff. I will make it clear.

The short-range communication unit 240 is a short-range communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance. Preferably, the short-range communication unit 240 is an RFID communication module of ISO 180000 series, Bluetooth communication, Wi- And wireless communication. According to an embodiment of the present invention, the short-range communication unit 240 may be integrated with the wireless communication unit 235.

The USIM reader 245 is a generic term for exchanging at least one data set with a Universal Subscriber Identity Module (Universal Subscriber Identity Module) mounted or detached from the wireless terminal based on the ISO / IEC 7816 standard, The set is exchanged in half-duplex communication mode via APDU (Application Protocol Data Unit).

The USIM 250 is an SIM type card having an IC chip according to the ISO / IEC 7816 standard, and includes an input / output interface including at least one contact connected to the USIM reader 245, An IC chip memory for storing a program code for a chip and a data set; and a processor for calculating the program code for the IC chip or extracting (or processing) the data set in accordance with at least one command transmitted from the wireless terminal, To the input / output interface.

The input / output interface includes at least one of a power supply (VCC), a reset signal (RST), a clock signal (CLK), a ground (GND), a programming power supply (VPP), and an input / output , The processor interfaces with the USIM reader 245 via the contact. Wherein the IC chip memory stores system program codes and system parameters corresponding to the operating system of the IC chip and at least one security module and includes at least one communication parameter required for wireless communication network connection of the wireless terminal in a fixed storage area (Subscriber Identity Module) information. According to an embodiment of the present invention, the IC chip memory includes at least one storage area for each applet issuer (for example, SD (Security Domain)) storing program codes (= applets) and data sets produced by at least one applet issuer )).

2, the receiver wireless terminal 200 includes a server connection unit 260 for accessing the remittance transaction server 100 as a remittee through a communication network and a server connection unit 260 for transferring remittance from the remittance transaction server 100 to the ledger 170 (N > n > N) remittance virtual accounts in which a predetermined amount of N (N > 1) remittant virtual accounts opened in the remittance transaction account And a transaction history receiving unit (265) for receiving m (m? 1) transaction details searched based on the ledger access right of the remittee set in the n 'number remitter virtual accounts storing the remittance access right of the remittee and an interface output unit (270) configured to configure transaction details request information for inquiring the remitter side transaction details of the n 'remittant virtual accounts and output the received transaction transaction request interface to the server, and an electronic document storage unit 285 configured to store m received transaction electronic documents corresponding to the transaction details of m in the electronic document storage area.

The server connection unit 260 receives the receiving transaction request message corresponding to the remitting transaction request of the remitter wireless terminal 190 from the remitting transaction server 100 and transmits the receiving transaction request message to the remitting transaction server 100 Alternatively, after receiving the transaction details of m from the remitting transaction server 100 and accessing the remitting transaction server 100 in response to the transaction details, or after outputting the m transactions, The transfer transaction server 100 may be connected to the remittance transaction server 100 via the key input unit 215 in the state that the remittance transaction server 100 is connected to the remittance transaction server 100, And connects the remittee wireless terminal 200 to the remittance transaction server 100 as a remittee.

The remittance transaction server 100 authenticates the communication company subscription status of the remittee wireless terminal 200 through the communication company server 180 connected to the remittee wireless terminal 200 and transmits the remittance transaction server 100 to the remittee 200 ), And shares the authentication result with the recipient wireless terminal (200).

The interface output unit 270 receives the remittance transaction request from the remitter of the n remittant virtual accounts in which a predetermined amount is filled from the N remittant virtual accounts, Transaction history request information for inquiring the ledger 170 of the n 'number of remittant virtual accounts that maintains the remittance-side transaction details of the remittance-side transactions can be output and output to the remittance transaction server 100. Here, the receiving transaction request interface is implemented in the form of an interface for obtaining the approval of the recipient for requesting and receiving the m transactions from the remitting transaction server 100.

After the transaction detail request information is transmitted to the remittance transaction server 100, the transaction details receiver 265 receives the transaction history request information from the remittance transaction server 100, And inquires the ledger 170 of the remitter's virtual account to receive the confirmed transaction details. Herein, transaction details of the m number of transactions are transaction details including information on the remittee wireless terminal 200 among remittance-side transaction details of the n 'remittant virtual accounts in the transaction target item.

When m transaction details are received from the remittance transaction server 100, the electronic document storage unit 285 configures m received transaction electronic documents corresponding to the received m transaction details.

Here, the receipt transaction electronic document is a data file formed by substituting the remitter wireless terminal 190 information (or the remitter's virtual account information), the remittance amount information, and the transaction history receiving date and time information into the preset electronic document data structure, And a document file formed by substituting the electronic document format into the set electronic document format. If the received transaction details include a remittance message, the receipt transaction electronic document may further include the remittance message. Or when the receipt transaction valid period is set in the received m transaction details, the receipt transaction electronic document includes an expiration date (or transaction expiration date) to approve / reject the receipt transaction and a validity period after the expiration date (or expiration date) An automatic transaction condition (for example, a condition for automatically accepting a receipt transaction or automatically refusing a receipt transaction).

When the m receiving transaction electronic documents for the received m transaction details are configured, the electronic document storage unit 285 stores the received transaction electronic document in the electronic document storage area of the memory unit 255. [

Referring to FIG. 2, the recipient wireless terminal 200 includes an interface output (I) outputting a receipt transaction decision interface for determining m '(1? M'? M) A receipt transaction approval processing unit 275 for constructing receipt transaction request information for requesting an acceptance transaction for the determined m'th transaction details and transmitting the received transaction request information to the remittance transaction server 100, And an acceptance transaction result output unit (280) for receiving and outputting acceptance transaction result information for the acceptance transaction request information from the electronic document storage unit (100). When the acceptance transaction for the m'th transaction details is processed, The electronic document deletion unit 290 deletes the m 'number of receipt transaction electronic documents stored in the storage unit.

If m transaction details are received from the remittance transaction server 100 or the m receipt transaction electronic documents are stored in the electronic document storage area, the interface output unit 270 outputs the m transaction details (Or a transaction electronic document), and further displays detailed transaction information on the transaction details (or the received transaction electronic document) selected from the list, and also receives the m transaction details Output transaction decision interface that determines m 'transactions to approve transactions. For example, the receiving transaction determination interface may include a check box interface for selecting m 'transactions (or receiving transaction electronic documents) out of m transaction details (or receiving transaction electronic documents).

According to the embodiment of the present invention, the interface output unit 270 outputs m "(1? M?? (M-m ')) number of reject transactions among the m transaction details (or receipt transaction electronic documents) Outputting an interface for determining the transaction details or an interface for determining the m " number of receiving transaction refusal transaction details in the receiving transaction determination interface for determining the m ' pieces of receiving transaction approval transaction details may be output .

When the m ' receipt transaction approval transaction details are determined through the receipt transaction decision interface, the receipt transaction approval processing unit 275 constructs the receipt transaction request information requesting the receipt transaction for the m ' transactions, To the transaction server (100). Here, the receipt transaction request information may include batch transaction information for collectively processing m 'number of receipt transactions corresponding to the m' transactions.

Upon receipt of the receipt transaction request information, the remittance transaction server 100 confirms (or opens) the remittee virtual account of the remittee name, and then transmits the transaction details of m 'number remittance virtual accounts corresponding to the m' Account transfer transaction for transferring m 'remittance amounts from the m' number remitter virtual accounts to the remittee virtual account based on the reward access right of the remittee for the remittee, And transmits the transaction result information to the recipient wireless terminal 200.

The receiving transaction result output unit 280 receives the receiving transaction result information for m'th transaction details corresponding to the receiving transaction request information from the remitting transaction server 100 and outputs the received receiving transaction result information do.

When the receiving transaction result information is received from the remitting transaction server 100, the electronic document rejection unit 290 receives m 'corresponding to the receiving transaction result information among the m receiving transaction electronic documents stored in the electronic document storage area, Deletes the receipt transaction electronic document, or transfers the m 'pieces of receipt transaction electronic document to the electronic document storage area for storing the electronic document in which the receipt transaction is completed.

If m ' number of transaction receipt transaction details of m transaction details (or receipt transaction electronic document) are determined through the interface output unit 270, the electronic document cancellation unit 290 may transmit Deletes the receiving transaction electronic document of m " whose receiving transaction is rejected among the stored m receiving transaction electronic documents, or transfers the m " receiving transaction electronic document to the electronic document storing area which stores the electronic document whose receiving transaction is rejected .

FIG. 3 is a diagram illustrating a process of opening a remitter virtual account according to an embodiment of the present invention.

More specifically, FIG. 3 identifies a wireless terminal connected as a remitter as a remitter wireless terminal 190, authenticates the state of subscription of a communication company through the communication company server 180, and then creates a virtual account And a virtual account of the name of the remitter is opened by considering the real name authentication for the remitter of the remitter who has the ordinary knowledge in the technical field of the present invention. It will be appreciated that various implementations of the process may be inferred (e.g., some steps omitted or alternate implementations), but the present invention encompasses all such contemplated implementations, The technical features thereof are not limited by the implementation method alone.

Referring to FIG. 3, the wireless terminal activates a program to access the remittance transaction server 100 shown in FIG. 1 as a remitter, through the communication network 300. The interface means 140 transmits the remittance transaction information to the remitter's wireless terminal 190 ) And a communication channel, and identifies that the remitter's wireless terminal 190 is connected as a remitter (step 305). According to the embodiment of the present invention, when the interface unit 140 manages and connects the program by the wireless terminal or selects a menu related to the remittance transaction request while connected through the program, It is identified that the user connected through the terminal is connected as a remitter.

If it is determined in step 310 that the wireless terminal has accessed as a remitter, the wireless terminal authentication unit 150 obtains information on the remitter wireless terminal 190 accessed as the remitter, (315), and transmits the remitter's wireless terminal (190) information and remitter information to the communication company server (180), and transmits the remitter's information to the remitter (Or the wireless terminal 190 of the remitter) to the communication company subscription status (320).

If the subscriber status of the remitter (or remitter's mobile terminal 190) is not authenticated 325, the mobile terminal authentication means 150 transmits the subscriber's subscription error information to the remitter's mobile terminal 190 ).

On the other hand, if the communication subscription state of the remitter (or the remitter's wireless terminal 190) is authenticated (325), the remitter's virtual account opening means 105 inquires of the ledger 170 and confirms the name of the remitter Check whether the remitter virtual account is opened (335).

If the remitter's virtual account is not confirmed (340), the remitter's virtual account opening means (105) regards the remitter's subscription status of the remitter as a real name authentication for opening a virtual account, A virtual account is opened to remit the remitter's name (345).

If the remitter virtual account is confirmed (340) and the remitter virtual account is newly opened (345) through the remitter virtual account opening means (105), the remitter virtual account charging means (130) The remitter's virtual account is checked 350 to see if a certain amount has been charged to process the remittance transaction.

If the remittance virtual account has not been charged (355), the remittant virtual account charging means 130 may receive the remittance transaction request information from the remitter wireless terminal 190 before the remittance transaction request information is received (360) in association with a program provided in the remitter's wireless terminal (190) or charges the remitter's virtual account through the remitter's real account (or remitter payment means) through the financial transaction channel used by the remitter.

4 is a diagram illustrating a remittance transaction requesting process of the remitter wireless terminal 190 according to an embodiment of the present invention.

More specifically, in FIG. 4, when the subscriber status of the remitter wireless terminal 190 connected as a remitter is authenticated and a virtual account for remittance of the remitter's name is opened, the remitter's wireless terminal 190 remits the remittance And transmits the transaction request information to the remittance transaction server 100 shown in FIG. 1. It will be apparent to those skilled in the art that the present invention can be implemented by referring to FIG. 4 and / or FIG. The present invention may be embodied in various ways of practicing the remittance transaction request process (for example, omitting some steps or changing the order) The technical features thereof are not limited only by the method shown in FIG.

Referring to FIG. 4, when a virtual account for remittance of the name of the remitter is opened and a certain amount is filled in the remitter's virtual account, the program of the remitter wireless terminal 190 connected to the remitter status is remitted The interface for inputting the transaction request information is output 400 and if the interface is output 405, the remittance amount and the recipient wireless terminal 200 information are processed through the interface 410, (415) the remittance transaction request information including the amount and the remittee wireless terminal (200) information. Here, the interface further includes an interface for inputting a remittance message. In this case, the remittance transaction request information further includes the remittance message.

If the remittance transaction request information is configured (420), the program of the remitter wireless terminal 190 transmits the remittance transaction request information to the remittance transaction server 100 shown in FIG. 1 (002835).

5 is a diagram illustrating a process of processing a remittance transaction request of the remitter wireless terminal 190 in the remittance transaction server 100 according to an embodiment of the present invention.

5 is a flowchart illustrating a process of transferring n 'pieces corresponding to remittance transaction request information received from n' number of remitter wireless terminals 190 through the process shown in FIG. 4 in the remittance transaction server 100 shown in FIG. Of the remittance-side transaction details are recorded in transaction details of n 'number of remittant virtual accounts, and the director access right of the n' remittant-side transaction details is maintained in the remittee accessible state. Those skilled in the art will be able to refer to and / or modify the FIG. 5 to understand various ways of processing the remitting transaction request (e.g., some steps may be omitted, However, the present invention is not limited to the above-described embodiments, Is not limited.

Referring to FIG. 5, the remittance transaction request receiving unit 135 receives n remittances of a certain amount of N remittant virtual accounts opened in the ledger 170 through the process shown in FIG. 3, N 'number of remittance transaction request information from n' number remitter wireless terminals 190 corresponding to the subset (500).

If the n 'pieces of remittance transaction request information are received (505), the remitter virtual account operating unit 110 configures n' remittance transactions on the basis of the received n 'pieces of remittance transaction request information ( 510), the n 'number of remitter-side transaction details are recorded in the ledger 170 of n' remitter virtual accounts (515), and the ledger access authority for the n 'remitter transactions is set to the remittee accessible state (520).

The receiving transaction requesting unit 145 transmits a receiving transaction request message to the recipient wireless terminal 200 corresponding to the recipient wireless terminal 200 information included in the n 'number of remitter transactions (525).

FIG. 6 is a diagram illustrating a process of deriving an acceptance transaction for processing a remittance transaction according to an embodiment of the present invention.

More specifically, FIG. 6 is a flowchart illustrating a process of accessing the remittance transaction server 100 shown in FIG. 1 as a remittee in the remittee wireless terminal 200 shown in FIG. 2, After the authentication, the recipient wireless terminal 200 transmits m transaction details including the recipient's wireless terminal 200 information among the n 'recipient transactions in which the recipient's accessibility state is maintained through the process shown in FIG. 5, 6, it is possible to refer to and / or modify the FIG. 6 so that various methods of deriving the receiving transaction (for example, some steps The present invention is not limited to the embodiments shown in the drawings, but may be practiced otherwise than as described herein. The technical features are not limited by the method alone.

Referring to FIG. 6, the remittee wireless terminal 200 receives the remittance transaction request message transmitted through the process shown in FIG. 5, and transmits the remittance transaction request message to the remittance transaction server 100, The interface means 140 connects the communication channel with the recipient wireless terminal 200 and identifies that the recipient wireless terminal 200 is connected to the recipient wireless terminal 200 in the receiver status (605).

If it is determined that the recipient wireless terminal 200 has been connected to the receiver terminal 610, the wireless terminal authentication means 150 acquires the recipient wireless terminal 200 information connected to the receiver status, After confirming the payee information for the terminal 200 and identifying the carrier corresponding to the payee wireless terminal 200 in step 615, the information on the payee wireless terminal 200 and the payee information are transmitted to the carrier server 180 (Or the recipient wireless terminal 200) in step 620 to authenticate the subscriber.

*

If the subscriber state of the receiver (or the receiver wireless terminal 200) is not authenticated (625), the wireless terminal authentication means 150 transmits the communication subscription error information to the receiver wireless terminal 200 ( 630).

On the other hand, if the subscriber state of the receiver (or the receiver's wireless terminal 200) is authenticated (625), the receiver's wireless terminal confirmation means 165 confirms the information of the receiver's wireless terminal 200 authenticated by the subscriber's subscription status , The remitter virtual account inquiry unit 115 receives n 'number of remittance accesses in which the remittee accessibility state is maintained based on the ruling access authority set in the transactions details of n' remittant virtual accounts through the process shown in FIG. 5 The transaction details of the remitter side are inquired to confirm m recipient transaction details including the remittee wireless terminal 200 information as a transaction target item in the transaction details (640).

If the m recipient transaction details are not confirmed (645), the remitter virtual account inquiry unit 115 transmits transaction details inquiry error information to the remittee wireless terminal 200 (650).

On the other hand, if the transaction details of the m recipients are confirmed (645), the transaction details transmission unit 155 transmits the confirmed transaction details to the recipient wireless terminal 200 (655).

FIG. 7 is a diagram illustrating a process of accepting / rejecting an acceptance transaction for processing a remittance transaction according to an embodiment of the present invention.

In more detail, FIG. 7 is a flow chart illustrating a procedure of determining m 'number of receipt transaction approval transaction details among m transaction details received through the process shown in FIG. 6 at the remittee wireless terminal 200 shown in FIG. 2, To the remittance transaction server 100 shown in FIG. 2, and the mothers' receiving transaction refusal transaction details are determined by the remittee wireless terminal 200 and transmitted to the remittance transaction server 100, The process of rejecting the acceptance / rejection of the acceptance transaction (see, for example, FIG. 7) can be performed by a person having ordinary skill in the art to which the present invention belongs. It is to be understood that the invention may be practiced otherwise than as specifically described herein, but it will be appreciated that the invention encompasses all such contemplated embodiments, And the technical characteristics thereof are not limited.

Referring to FIG. 7, the program of the receiver wireless terminal 200 receives m transactions details transmitted through the process shown in FIG. 6 (700), and receives the received transaction transactions (705), and outputs an acceptance transaction decision interface for the m transaction details (710). The m < th > transaction among the m transaction details through the acceptance transaction decision interface The transaction details of the receipt transaction are determined (720). If the m'th transaction transaction approval transaction details are determined at step 720, the program of the remittee wireless terminal 200 forms the transaction request information for the determined m'th transaction details, (725).

On the other hand, the program of the recipient wireless terminal 200 checks whether the m " receipt transaction refusal transaction details of the m transactions are determined through the remittee determination interface (730), and if m " (735), the transaction details rejection information for the m " receipt transaction refusal transaction details is configured and transmitted to the remitting transaction server 100 (740), and the transaction details receiving means 160 receives the transaction receipt rejection information The recipient virtual account operating means 110 receives the m " receipt transaction refusal transaction details from the wireless terminal 200, and the remitter virtual account operating means 110 transmits the ledger access right to the m " (750), and the program of the recipient wireless terminal (200) sets m " number of receipt transaction electronic documents whose receipt transaction is rejected among m receipt transaction electronic documents stored in the storage area It is erased (755).

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

In more detail, FIG. 8 is a flowchart illustrating a process of receiving m 'pieces of receipt transaction approval transactions from the remittee wireless terminal 200 through the process shown in FIG. 7, wherein the remittance transaction server 100 shown in FIG. 'Transfer transactions from the m' number of remitter virtual accounts to the remittee virtual account based on the ledger access authority for the transaction details of the 'm' transaction transactions. In the technical field of the present invention, Those skilled in the art will be able to refer to and / or modify the drawing 8 to infer various implementations of the remittance transaction process (e.g., omitting some of the steps or changing the order) The present invention includes all of the above-described embodiments, and the technical features of the present invention are not limited only by the method shown in FIG.

Referring to FIG. 8, the transaction details receiving unit 160 receives m 'number of receipt transaction approval transactions transmitted from the recipient wireless terminal 200 through the process shown in FIG. 7 (800) The virtual account opening means 120 inquires the ledger 170 to check whether a remittee virtual account of the remittee name is opened (805).

If the remittee virtual account of the remittee name is not confirmed 810, the remittee virtual account opening means 120 regards the remittee's affiliation status of the remittee as the real name authentication for opening a virtual account, A virtual account for the recipient of the recipient name is opened (815).

On the other hand, if the remittee virtual account of the remittee name is confirmed (810) and the remittee virtual account is newly opened (815) through the remittee virtual account opening means (120), the remittee virtual account operating means m 'of remittance amounts corresponding to the m'th transaction details are transferred from the m' number remitter virtual accounts to the remittee virtual account (820) based on the ledger access right of the m 'number remitter virtual accounts.

If the m 'number of transactions are completed (825), the remitter's virtual account operating unit 110 sets the ledger access authority for the m' number of remitter transactions completed the transferee transaction to the remittee inaccessible state (830) , The remittee virtual account operating means 125 constructs receipt transaction result information for the m 'number of transfer transactions and transmits it to the remittee wireless terminal 200 (835).

The program of the recipient wireless terminal 200 receives and outputs the receiving transaction result information (840), and receives m 'pieces of m' corresponding to the receiving transaction result information among the m receiving transaction electronic documents stored in the electronic document storing area The transaction electronic document is deleted (845).

105: remitter virtual account opening means 110: remitter virtual account operating means
115: Remitter's virtual account inquiry means 120: Recipient virtual account opening means
125: Recipient virtual account operating means 130: Remitter virtual account charging means
135: remittance transaction request receiving means 140: interface means
145: receiving transaction request means 150: wireless terminal authentication means
155: transaction history transmission means 160: transaction history reception means
165: Recipient wireless terminal confirmation means 180:
190: Remitter's wireless terminal 200:

Claims (9)

A method executed via a transaction server providing a remittance transaction,
A first step of receiving remittance transaction request information including remittance amount information input via the remitter's wireless terminal and remittee wireless terminal information;
When the remittance transaction request information does not include remittance account information and the remittee account information registered in association with the remittee wireless terminal information contained in the remittance transaction request information is not confirmed, the remittee wireless terminal corresponding to the remittee wireless terminal information, A second step of confirming the result of authenticating the real name of the remittee after confirming the remittee related information and providing the remittee related information to the designated server for processing the real name authentication to request the remittee real name authentication for confirming the remittee account information, ; And
And a third step of performing a transaction procedure for receiving the remittance amount through the remittee account information designated by the real name authenticated recipient upon successful authentication of the remittee real name.
The method according to claim 1,
The authentication is performed not by password-based authentication registered during the subscriber's registration process, but by a separate server for specifying an account or opening an account of the recipient name before joining the recipient. .
The method according to claim 1,
Wherein the remittance transaction request information further includes a remittance message directly input by the remitter through the remitter of the remitter,
Wherein the receiving transaction request message includes the contents of a remittance message directly input by the remitter.
The method according to claim 1,
A transaction history for performing a receiving transaction for receiving the money corresponding to the remittance amount information of the remittance transaction request information to the remittee account confirmed after connection of the remittee wireless terminal is constructed and stored Further comprising the steps of:
5. The method of claim 4,
Setting an expiration date for processing a receipt transaction using the stored transaction details;
And automatically canceling the receipt transaction using the transaction details when the expiration period has elapsed.
The method according to claim 1,
Further comprising the step of confirming the connection of the remittee wireless terminal corresponding to the remittee wireless terminal information when the remittance transaction request information is received.
The method according to claim 1,
Receiving the remittance transaction request information and processing the receipt transaction request message to guide the connection of the remittee status using the remittee wireless terminal information included in the remittance transaction request information; And
And confirming the connection of the receiver wireless terminal in response to the receipt transaction request message from the receiver wireless terminal that has received the receipt transaction request message.
5. The method according to claim 4,
And performing the transaction procedure of the receiving transaction using the payee account information designated by the real name authenticated payee and the stored transaction details.
5. The method according to claim 4,
Confirming m (m? 1) transaction details including payee wireless terminal information corresponding to the receiver terminal identified as the connection among the stored transaction details;
Providing the verified m transactions details to the recipient wireless terminal; And
(1 < = m < = m) transaction details approved and accepted as a receiving transaction among transaction details provided to the recipient wireless terminal when the receiving transaction is approved through the receiver's wireless terminal, And performing a transaction procedure of the receiving transaction for the wireless terminal.

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