KR20190004379A - System for depositing by confirming true depositor of virtual account - Google Patents

Abstract

Disclosed is a system for depositing by confirming a true depositor of a virtual account. According to the present invention, the system for depositing by confirming the true depositor of the virtual account comprises: a depositor registering part for receiving a depositor information for confirming the depositor and registering the depositor; a depositor confirming part for confirming the information of a person who tried to deposit in the virtual account, if an attempt for deposit is made for the virtual account created for the depositor, when compared with the registered depositor information to determine whether the person who tried to deposit the deposit matches with the registered depositor; and a deposit permission determining part for determining whether to allow the deposit in the virtual account in accordance with a result of checking whether the person who attempted the deposit matches the registered depositor.

Description

[0001] The present invention relates to a system for depositing deposits by confirming depositors of virtual accounts,

The present invention relates to a depositing system for confirming a depositor of a virtual account, and more particularly, to a depositing system for depositing a depositor by inputting depository information for depositing a depositor and attempting deposit for a virtual account created for the depositor, It is determined whether or not the depositor agrees with the registered depositor, and it is determined whether or not the deposit is allowed in the virtual account according to the result, so that only the depositor can deposit the deposit at the beginning when the deposit is made through the virtual account, And a depositing system through confirmation of a genuine depositor of a virtual account which can safely and accurately carry out a deposit transaction.

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

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

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

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

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

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An object of the present invention is to provide a method for registering a depositor by inputting depositor information for confirming a depositor and checking if the attempted depositor matches a registered depositor when there is a deposit attempt for a virtual account created for the depositor, According to the result, it is determined whether or not to allow the deposit to be made in the virtual account, thereby making it possible to deposit only the designated depositor at the beginning of the transaction without any trouble in the virtual account. And to provide a deposit system by confirming the depositor of the account.

A depositing system for confirming a depositor of a virtual account according to an embodiment of the present invention includes a depositor registering unit for registering the depositor by inputting depositor information for confirming a depositor; If there is a deposit attempt for the virtual account created for the depositor, the information of the person who tried to deposit the virtual account is compared with the registered depositor information to determine whether the person who tried to deposit the deposit matches the registered depository A bank note confirming unit to confirm; And a deposit permission determiner for determining whether or not to allow the deposit to be made in the virtual account according to a result of checking whether the person who attempted the deposit matches the registered depositor.

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

The depositor registering unit can confirm whether or not the account holder of the account holder's account number inputted matches the entered depository's name and register the depository only when they match.

The depositor registration unit may perform a test for depositing a predetermined amount in an account corresponding to the account number of the depositor and confirming whether the depositing is completed and confirming whether the depositor's account number is a tradeable account number.

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

The remitter registration unit may include an SMS-OTP (Short Message Service One Time Password) for confirming the mobile phone number of the remitter by issuing a one-time password as a short message to the remitter and inputting the disposable password into the system by the remitter A Short Message Service Mobile Oriented (SMS-MO) for confirming the mobile phone number of the remitter by sending a short message for confirmation to the remitter and sending the reminder short message to the mobile phone receiving the short message for confirmation So that it can be confirmed whether or not the entered mobile phone number of the incoming mobile phone is the mobile phone number held by the mobile phone.

The depositor registration unit further receives the date of birth of the depositor and whether the foreigner is a foreigner, and confirms whether the name of the depositor is blind or not based on the name, the telephone number, the date of birth, and the foreigner.

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

Wherein the depositing permission determining unit checks the existing deposit transaction details of the depositor when the deposit amount to the virtual account exceeds a predetermined amount and only when the depositor's existing deposit transaction details are more than a predetermined number of times It is possible to allow the deposit to the virtual account.

According to an aspect of the present invention, when a depositor is registered by inputting depository information for depositing a depositary and if there is a deposit attempt for a virtual account created for a depository, it is confirmed whether or not the depositor matches the registered depository It is possible to deposit only the designated depositor at the beginning of the deposit in the virtual account through the virtual account so that the depositor can safely and accurately carry out the deposit transaction in the deposit transaction in which the depositor is important It is possible to provide a deposit system by confirming the real depositors of the virtual accounts.

FIG. 1 is a view schematically showing a depositing system by confirming a depositor of a virtual account according to an embodiment of the present invention.
FIG. 2 is a flowchart for explaining an example of a process of registering a depositor in a depositor registration unit of a depositing system by confirming a real depositor of a virtual account according to an embodiment of the present invention.
3 illustrates an example of a process of confirming the depositor from the depositor verification unit of the depositing system by confirming the real depositor of the virtual account according to an embodiment of the present invention and a process of determining whether the deposit is allowed in the deposit permission determination unit FIG.

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

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

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

FIG. 1 is a view schematically showing a depositing system by confirming a depositor of a virtual account according to an embodiment of the present invention.

Referring to FIG. 1, the depositing system 100 includes a depositor registration unit 110, a database unit 120, a depositor verification unit 130, and a deposit acceptance determination unit (140). 1 is based on one embodiment, and the components shown in FIG. 1 are not limited to the embodiment shown in FIG. 1, and the additional , Changed or deleted.

The depositor registration unit 110 receives the depositor information for confirming the depositor and registers the depositor. The depositor information is information for confirming the depositor in the depositor verification unit 130 described later or may be input directly to the depositing system 100 through confirmation of the depositor of the virtual account or may be input to the input unit such as a keyboard, a keypad, a touch pad, May be input by the user through the user terminal equipped with the device and transmitted to the depositing system 100 by confirming the depositor of the virtual account.

In one embodiment, the depositor information may include the name and account number of the depositor. At this time, since the inputted account number of the depositor is deliberately erroneously input or may be erroneously inputted as an error, the depositor registering unit 110 judges whether the deposited account number of the depositor's account number matches the entered depositor's name And can register the depositor only if they match. The depositor registration unit 110 can access the bank server of the account number of the depositor to inquire the account holder of the account number of the depositor input.

In one embodiment, the depositor registration unit 110 deposits a predetermined amount in the account corresponding to the account number of the depositor, confirms whether or not the deposit is completed, and confirms whether the account number of the depositor is an account number that can be traded Can be performed. For this, the depositor registration unit 110 may perform, for example, a penny test. Even if it is confirmed that the deposited account number of the depositor's account number matches the inputted depository's name, since the account number may not be able to be traded due to the suspension of the transaction or the like, the depositor registration unit 110 may use the penny test Check whether the number is a transaction number that can be traded. Here, the predetermined amount may be a small amount of about 10 won or about 100 won since the account number only needs to be checked whether transactions are possible.

In another embodiment, the depositor information may further include a mobile phone number of the depositor. At this time, the depositor registration unit 110 can confirm whether the entered mobile phone number of the depositor is the number of the mobile phone held by the depositor. For example, the depositor registration unit 110 issues an SMS-OTP (Short Message Service) message for confirming the mobile phone number of the depositor by issuing a one-time password as a short message to the depositor and inputting the disposable password into the system by the depositor A Short Message Service (SMS) -MO (Short Message Service) message for confirming the mobile phone number of the remitter by sending a short message for confirmation to the remitter or the remitter short message to the mobile phone receiving the short message for confirmation by the remitter Mobile Oriented), it is possible to confirm whether or not the input mobile phone number of the sender is the mobile phone number possessed by the sender.

The procedure for confirming the mobile phone number via SMS-OTP and SMS-MO can be performed in conjunction with the penny test. For example, when the user inputs a name, a mobile phone number, and an account number, the depositor registration unit 110 deposits a small amount into the account number, transmits the deposit details to the user in a short message, The mobile phone number confirmation procedure and the penny test can be integrated.

The banknote registering unit 110 further receives the date of birth of the depositor and whether the banknote is foreign or not, and can confirm whether the banker's name is blind or not based on the banknote's name, phone number, date of birth, and whether the banknote is foreign. Since the subscription of the mobile phone is made only through the real name of the subscriber, the depositor registration unit 110 can confirm the real name of the depositor through the name, telephone number, date of birth and foreigner of the remitter.

Similar to the penny test, the procedure for confirming the mobile phone number through the SMS-OTP and the SMS-MO can be performed in conjunction with the name confirmation procedure of the remitter. For example, when the user inputs a name, a mobile phone number, a date of birth, and a foreigner, the remitter registration unit 110 transmits a short message for confirmation to the user, Confirmation procedure and the process of confirming the name of the banker.

Hereinafter, with reference to FIG. 2, an example of the operation of the depositor registration unit 110 of the depositing system 100 through confirmation of the depositor of the virtual account will be described in detail.

FIG. 2 is a flowchart for explaining an example of a process of registering a depositor in a depositor registration unit of a depositing system by confirming a real depositor of a virtual account according to an embodiment of the present invention.

Referring to FIG. 2, if the user wants to register a banker, the banker registration unit 110 sends an online registration request to the user terminal 10 (S210). Here, the user refers to a person who wants to register himself / herself as a depositor using the user terminal 10 in order to carry out the deposit with the depositor information to be inputted. Then, the user inputs the name and the mobile phone number of the depositor through the user terminal 10 (S220). Then, the depositor registration unit 110 transmits a short message to confirm the mobile phone number through SMS-OTP, SMS-MO, or the like (S230). In response to this, the user inputs the one-time password displayed in the short message received in the user terminal 10 or sends a short message in response to which the banknote registering unit 110 confirms the mobile phone number (S240).

Next, the depositor registration unit 110 sends a request for confirming the real name to the user terminal 10 (S250). The user further inputs the banker's date of birth and the foreigner's identity through the user terminal 10 (S260), and the banker registering unit 110 confirms the banker's real name (S270).

Then, the depositor registration unit 110 confirms whether the input bank account number of the depositor matches the inputted bank account name (S280).

After the account holder of the account number of the depositor is confirmed, the depositor registration unit 110 performs a penny test to check whether the account number of the depositor is a transactionable account number (S290).

The depositing system 100 through the confirmation of the depositor of the virtual account according to an embodiment of the present invention performs the banker's information checking process at various stages in the depositor registering unit 110 as described above. Accordingly, when a virtual account for the depositor is generated in the future, it is possible to accurately confirm whether the depositor attempted to deposit in the created virtual account is correct.

The procedure described with reference to FIG. 2 is according to one embodiment, and some procedures may be omitted, changed or added as necessary. For example, in order to confirm the depositor information, the depositor registration unit 110 sends an e-mail to a user who has a document such as an identification card and visits a direct sales office for authentication, a user clicks a link Authenticated e-mail authentication, or instant messenger authentication by sending a message to a user via Social Messenger and clicking on the link in the message, or ARS (Automatic Response Service) authentication can be added.

Referring back to FIG. 1, the database unit 120 serializes and stores the name, the account number, and the mobile phone number of the depositor. That is, the database unit 120 stores the name, the account number, and the mobile phone number of the depositor in a serial manner so as to correspond to each other, so that even if one of the depositor information is known, other information can be easily retrieved.

When there is a deposit attempt for the virtual account created for the depositor, the depositor verification unit 130 compares the information of the person who tried to deposit the virtual account with the registered depositor information, and registers the person who attempted the deposit It is confirmed whether or not it coincides with the depositor. At this time, the remitter confirmation unit 130 can inquire the name, the account number, and the mobile phone number of the remitter who are serialized and stored in the database unit 120 and use it.

The deposit permission determining unit 140 determines whether or not to allow the deposit in the virtual account according to a result of checking whether the person who attempted the deposit matches the registered depository.

3, an example of the operation of the depositor confirmation unit 130 and the deposit permission determination unit 140 of the depositing system 100 through confirmation of the depositor of the virtual account will be described in detail.

3 illustrates an example of a process of confirming the depositor from the depositor verification unit of the depositing system by confirming the real depositor of the virtual account according to an embodiment of the present invention and a process of determining whether the deposit is allowed in the deposit permission determination unit FIG.

Referring to FIG. 3, when there is a deposit attempt for the virtual account created for the depositor, the depositor verification unit 130 inquires information about the person who attempted the deposit (S310). That is, the depositor verification unit 130 inquires the name and the account number of the person who made the deposit.

Then, the depositor verification unit 130 confirms whether the information of the person who attempted the deposit matches the registered depository information (S320). That is, the depositor verification unit 130 confirms whether the name of the person who made the deposit and the account number coincide with the name and account number of the registered depositor.

Then, when the information of the person who tried to deposit is identical to the registered banker information, the deposit permission determining unit 140 allows the deposit (S330). If the information does not match, the deposit permission determining unit 140 does not allow the deposit (S340).

Returning back to FIG. 1, when the deposit amount for the virtual account exceeds the predetermined amount, the deposit permission determining unit 140 inquires the existing deposit transaction details of the depositor, The deposit of money in the virtual account of the depositor can be permitted only when the number of the deposits is equal to or greater than the number of deposits. This is to allow the deposit to be made only to a high-credit user through a plurality of deposit transactions when the amount to be deposited in the virtual account is high. This makes it possible to prevent the exploitation of a virtual account in a large amount of transactions.

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

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

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

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

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

This identification information can be registered in the depositor registration unit 110 as depositor information for confirming the depositor and can be used by the depositor verification unit 130 to check whether or not the person attempting the deposit matches the registered depositor .

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken as limitations. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims.

100: Deposit system by confirming the depositor of the virtual account
110:
120:
130:
140: Deposit acceptance decision unit

Claims (1)

A banknote registering unit for receiving banknote information including a banknote name, an account number, and a mobile phone number of the banknote to confirm the banknote, and registering the banknote;
If there is a deposit attempt for the virtual account created for the depositor, the name of the depositor of the person who tried to deposit the virtual account, the account number information, the name of the registered depositor, and the account number information are compared with each other, A banknote confirming unit for confirming whether or not the name of the person who has attempted the banknote matching the account number information and the name of the banknote to which the account number information is registered and the account number information; And
It is determined whether or not the deposit is allowed in the virtual account according to a result of checking whether the name of the person who attempted the deposit, the name of the depositor who registered the account number information, and the account number information match, The name of the person who has made the deposit, the name of the person who has made the deposit, the name of the person who has made the deposit, and the account number information And a deposit permission determining unit that does not allow the deposit from the account number of the depositor to the virtual account if the deposit information does not match the name and account number information of the depositor registered in advance,
Wherein the depositing permission determining unit checks the existing deposit transaction details of the depositor if the deposit amount for the virtual account exceeds a predetermined amount, and only when the depositor's existing deposit transaction details are more than a predetermined number, And the deposit is permitted to the virtual account.

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