KR20190099182A - Method for Remitting Money between Mobile Device - Google Patents

Abstract

According to the present invention, a remittance method between wireless terminals is executed through a transaction server providing remittance transactions. The method comprises: a step of receiving remittance transaction request information including remittance amount information and recipient wireless terminal information which are inputted through a remitter wireless terminal; a step of configuring and storing a transaction history which can provide a reception transaction corresponding to the remittance transaction request information when recipient account information to provide a reception transaction through the information included in the remittance transaction request information is not identified; a step of identifying one or more recipient related information through the recipient wireless terminal when the recipient wireless terminal corresponding to the recipient wireless terminal information is connected after the transaction history is stored, providing the recipient related information to the designated server in order to process real name authentication, requesting the authentication of the real name of the recipient, and verifying the result of authenticating the real name of the recipient; and a step of performing a reception transaction by using the recipient account information designated by the real name authenticated recipient and the transaction history when the authentication of the real name of the recipient is successful. The present invention can induce safe remittance transaction for a recipient.

Description

Remittance method between wireless terminals {Method for Remitting Money between Mobile Device}

The present invention, in a method executed through a transaction server providing a remittance transaction, receives remittance transaction request information including remittance amount information and a remittee wireless terminal information input through a remitter wireless terminal, the remittance transaction request information When unconfirmed payee account information to provide a beneficiary transaction through the information contained in the information, configure and store a transaction history that can provide a beneficiary transaction corresponding to the remittance transaction request information, and after the transaction history is stored, the recipient wireless terminal Upon the connection of the recipient wireless terminal corresponding to the information, the recipient wireless terminal checks one or more recipient related information and provides the recipient related information to a designated server to process the real name authentication to request the recipient real name authentication, and then Confirm the result of real name authentication, and if the recipient real name authentication is successful Persons will use the transaction history with the receiving account information designated by the recipient's authentication on the transfer method between the wireless terminal to perform a transaction procedure, the receiving transaction.

As the development of information and communication technology has been applied to the financial field, financial transactions, which have been processed by face-to-face authentication by visiting bank windows, have developed into a non-face-to-face financial transaction that provides financial transactions through face-to-face authentication using a communication network. Various communication identifier-based remittance services have been proposed to provide remittance transactions in a non-face-to-face manner using e-mail addresses or mobile phone numbers instead of account numbers.

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

On the other hand, the communication identifier-based remittance service is characterized in that the remittance transaction is provided even if the recipient does not disclose his or her account number to the remitter, whereby a remittance transaction (e.g., bribery) can occur unreasonably. Probability is implied. In order to block such reckless remittance transaction, the recipient should be given an opportunity to refuse the remittance transaction. In the conventional remittance transaction procedure, the recipient has no opportunity to refuse the remittance transaction.

If the payee does not want the remittance transaction, there is inconvenience that the payee must withdraw the remittance amount deposited into his / her account and proceed with a separate remittance transaction that deposits it into the remitter account. The transaction history is recorded in the transaction history of the remittee account as well as the transaction history of the remitter account and cannot be erased.

Meanwhile, in order to approve / deny the progress of the remittance transaction requested by the remitter, the recipient of the remittance transaction should interrupt the progress of the remittance transaction, and the recipient should inquire / approve / reject the interrupted remittance transaction procedure. Interrupting a unilateral remittance transaction on the one side of the account is very difficult in financial transaction practice, and even if the remittance transaction is interrupted, the recipient can check the remittance transaction's unilateral progress. It is virtually impossible without orders.

An object of the present invention is a method executed through a transaction server providing a remittance transaction, the first step of receiving a remittance transaction request information including the remittance amount information and the recipient wireless terminal information input through the remitter wireless terminal; A second step of constructing and storing a transaction history capable of providing a receivable transaction corresponding to the remittance transaction request information when the recipient account information for providing the remittance transaction is not confirmed through the information included in the remittance transaction request information; After this is stored, at the time of connection of the recipient wireless terminal corresponding to the recipient wireless terminal information, one or more recipient related information is confirmed through the recipient wireless terminal, and the recipient related information is provided to a designated server to process real name authentication. A third step of confirming a result of authenticating the real name of the payee after requesting real name verification The recipient can verify your name success, the real name and the receiving account information designated by the recipient's authentication transaction details for transfer between the mobile station including a fourth step of performing the transaction process of the receiving transaction method using to provide.

In a method for transmitting money between wireless terminals according to the present invention, the method is executed through a transaction server providing a remittance transaction, and receives remittance transaction request information including remittance amount information and payee wireless terminal information input through a remitter wireless terminal. A second step of constructing and storing a transaction history capable of providing a receivable transaction corresponding to the remittance transaction request information when the recipient account information for providing the receivable transaction is not confirmed through the first step to perform the information and the information included in the remittance transaction request information; After the step and the transaction history are stored, at the time of connection of the recipient wireless terminal corresponding to the recipient wireless terminal information, check the one or more recipient related information through the recipient wireless terminal, and the recipient associated with the designated server to process real name authentication After providing the information to request verification of the beneficiary's real name, the beneficiary's real name is verified. During the third step and the payee name verification to confirm the successful use of the transaction history with the receiving account information designated by the real name authenticated the recipient and characterized in that it comprises a fourth step of performing the transaction process of the receiving transaction.

In the inter-terminal wireless money transfer method according to the present invention, the real name authentication is not a password-based authentication registered during the sign-up process of the payee, but through a separate designated server for opening the account of the payee name or designating the account before signing up the payee. Characterized in that it comprises the identity verification performed.

In the inter-terminal remittance method according to the present invention, the remittance transaction request information further comprises a remittance message directly input by the remitter through the remitter wireless terminal, the remittance message, via the recipient wireless terminal information It is characterized in that it is provided to the recipient wireless terminal through the received transaction request message.

In the method of remittance between wireless terminals according to the present invention, the transaction details are information for receiving an amount corresponding to remittance amount information of the remittance transaction request information to a designated remittee account even after communication with the remitter wireless terminal is terminated. Characterized in that comprises a.

In the method of remittance between wireless terminals according to the present invention, setting a validity period for processing a received transaction using the stored transaction history and automatically canceling the received transaction using the transaction history when the validity period has passed. It is characterized in that it further comprises.

In the method of remittance between wireless terminals according to the present invention, after the transaction is stored, further comprising the step of confirming the connection of the recipient wireless terminal corresponding to the recipient wireless terminal information.

In the method of remittance between wireless terminals according to the present invention, after the transaction is stored, processing the receiving transaction request message to induce access to the recipient qualification using the recipient wireless terminal information is sent and the receiving transaction request message And confirming the connection of the recipient wireless terminal in response to the recipient transaction request message at the recipient wireless terminal.

In the method of remittance between wireless terminals according to the present invention, the fourth step may include: requesting approval of a receipt transaction for the transaction history through the recipient wireless terminal and authenticating the real name when approving the receipt transaction through the recipient wireless terminal. And performing a transaction procedure of a beneficiary transaction using the beneficiary account information designated by the beneficiary and the transaction details.

In the inter-terminal wireless money transfer method according to the present invention, the fourth step may include m (m≥1) transaction details including recipient wireless terminal information corresponding to the connection confirmed payee wireless terminal among the stored transactions. Confirming and providing the identified m transaction details to the payee wireless terminal; and receiving a transaction approved m '(1≤m) among the transaction details provided to the payee wireless terminal upon receiving the approved transaction through the payee wireless terminal. Performing a transaction procedure of a remittance transaction for receiving an amount corresponding to the m transaction details to a payee account using '≤m) transaction details and payee account information designated by the real name authenticated payee; Characterized in that made.

Remittance method between wireless terminals according to the present invention, in a method executed through a transaction server providing a remittance transaction, the remittance transaction request information including the remittance amount information and the recipient wireless terminal information input through the remitter's wireless terminal Receiving account information is not included in the first step of receiving and the remittance transaction request information and the remitter account information associated with the remittee wireless terminal information included in the remittance transaction request information is not confirmed. After confirming one or more recipient related information through the recipient wireless terminal corresponding to the recipient wireless terminal information, and requesting the recipient real name authentication to verify the recipient account information by providing the recipient related information to a designated server for processing the real name authentication. A second step of confirming a result of authenticating the real name of the payee; and When chwiin name verification succeeds, it characterized in that it comprises a third step of performing the transaction procedures for the receipt of the transfer amount by the receiving account information specified by the blindness authenticated recipient.

In the inter-terminal wireless money transfer method according to the present invention, the real name authentication is not a password-based authentication registered during the sign-up process of the payee, but through a separate designated server for opening the account of the payee name or designating the account before signing up the payee. Characterized in that it comprises the identity verification performed.

In the inter-terminal remittance method according to the present invention, the remittance transaction request information further comprises a remittance message directly input by the remitter through the remitter's wireless terminal, the remittance message, the remittee wireless terminal information It is characterized in that it is provided to the payee wireless terminal through a receivable transaction request message sent through.

In the inter-terminal money transfer method according to the present invention, when the remittance transaction request information is received, the receivable is received to the payee account confirmed after the connection of the remittee wireless terminal, the amount corresponding to the remittance amount information of the remittance transaction request information; The method may further include configuring and storing transaction details for performing a transaction.

In the method of remittance between wireless terminals according to the present invention, setting a validity period for processing a received transaction using the stored transaction history and automatically canceling the received transaction using the transaction history when the validity period has passed. It is characterized in that it further comprises.

In the method of remittance between wireless terminals according to the present invention, when the remittance transaction request information is received, the method further comprises the step of checking the connection of the receiver wireless terminal corresponding to the receiver wireless terminal information.

In the inter-terminal money transfer method according to the present invention, when the remittance transaction request information is received, a remittance transaction request message is sent to induce access to a recipient qualification by using the remittee wireless terminal information included in the remittance transaction request information. And confirming a connection of a receiver wireless terminal in response to the receiver transaction request message in a receiver wireless terminal receiving the receiver transaction request message.

In the inter-terminal wire transfer method according to the present invention, the third step includes the step of performing a transaction procedure of the beneficiary transaction using the beneficiary account information specified by the real name authenticated recipient and the stored transaction details. Characterized in that made.

In the inter-terminal wireless money transfer method according to the present invention, the third step may include m (m≥1) transaction details including recipient wireless terminal information corresponding to the connection confirmed payee wireless terminal among the stored transactions. Confirming and providing the identified m transaction details to the payee wireless terminal; and receiving a transaction approved by the beneficiary wireless terminal upon receiving the approved transaction through the payee wireless terminal. And performing a transaction procedure of a remittance transaction for receiving an amount corresponding to 1 ≦ m ′ ≦ m) transactions to the payee account.

Remittance method between wireless terminals according to the present invention, in a method executed through a transaction server providing a remittance transaction, the remittance transaction request information including the remittance amount information and the recipient wireless terminal information input through the remitter's wireless terminal A second step of checking the connection of the receiver wireless terminal corresponding to the receiver wireless terminal information when the first stage of receiving and the receiver account information are not included in the remittance transaction request information and the previously registered payee account information is not confirmed; When the terminal checks the connection, the terminal confirms one or more recipient related information through the confirmed recipient wireless terminal and provides the recipient related information to a designated server to process the real name authentication, and requests the real name verification of the recipient. The third step of confirming the authentication result and the successful recipient name authentication And a fourth step of performing a transaction procedure for the receipt of the remittance amount via the payee account information designated by the real name authenticated payee.

In the inter-terminal wireless money transfer method according to the present invention, the real name authentication is not a password-based authentication registered during the sign-up process of the payee, but through a separate designated server for opening the account of the payee name or designating the account before signing up the payee. Characterized in that it comprises the identity verification performed.

In the inter-terminal money transfer method according to the present invention, when the remittance transaction request information is received, the receivable is received to the payee account confirmed after the connection of the remittee wireless terminal, the amount corresponding to the remittance amount information of the remittance transaction request information; The method may further include configuring and storing transaction details for performing a transaction.

In the method of remittance between wireless terminals according to the present invention, setting a validity period for processing a received transaction using the stored transaction history and automatically canceling the received transaction using the transaction history when the validity period has passed. It is characterized in that it further comprises.

In the inter-terminal money transfer method according to the present invention, when the remittance transaction request information is received, a remittance transaction request message is sent to induce access to a recipient qualification by using the remittee wireless terminal information included in the remittance transaction request information. And a step of confirming a connection of a receiver wireless terminal in response to the receiver transaction request message in a receiver wireless terminal receiving the receiver transaction request message. It is done.

In the method of remittance between wireless terminals according to the present invention, in the third step, upon confirming the connection of the recipient wireless terminal, the recipient server provides the recipient related information to request a real name authentication of the recipient and then authenticates the real name of the recipient. Characterized in that it comprises a step of confirming the result.

In the inter-terminal wire transfer method according to the present invention, the fourth step includes the step of performing a transaction procedure of the beneficiary transaction using the beneficiary account information specified by the real name authenticated recipient and the stored transaction details. Characterized in that made.

In the inter-terminal wireless money transfer method according to the present invention, the fourth step may include m (m≥1) transaction details including recipient wireless terminal information corresponding to the connection confirmed payee wireless terminal among the stored transactions. Confirming and providing the identified m transaction details to the payee wireless terminal; and receiving a transaction approved by the beneficiary wireless terminal upon receiving the approved transaction through the payee wireless terminal. And performing a transaction procedure of a remittance transaction for receiving an amount corresponding to 1 ≦ m ′ ≦ m) transactions to the payee account.

Remittance method between wireless terminals according to the present invention, in a method executed through a transaction server for processing a remittance transaction, the remittance transaction request information including the remittance amount information and the recipient wireless terminal information input through the remitter's wireless terminal A second step of constructing and storing a transaction history for performing a receivable transaction for receiving a money amount corresponding to the remittance amount information of the remittance transaction request information to a payee account confirmed when the payee wireless terminal is connected; If the recipient's account information in the registered recipient's name is not confirmed when the recipient's wireless terminal is connected to the recipient's wireless terminal information, check one or more recipient-related information for authenticating the real name of the recipient through the recipient's wireless terminal. Providing the payee related information to a server that handles real name authentication of the A third step of processing a payee real name authentication for designating payee account information of a person; and if the payee real name authentication succeeds, using the payee account information designated by the real name verified payee and the stored transaction details, the transaction of the payee transaction; And a fourth step of performing a procedure, wherein the third step includes checking the payee account information of the registered payee name upon accessing the payee wireless terminal corresponding to the payee wireless terminal information. And performing a transaction procedure of the received transaction using the stored transaction details.

In the inter-terminal wire transfer method according to the present invention, the third step, the step of processing to send a receivable transaction request message to induce access to the recipient qualification using the recipient wireless terminal information included in the remittance transaction request information; And when confirming at least one radio terminal connection, confirming whether the connection of the radio terminal is a radio terminal connection of a recipient qualification connected in response to a receipt transaction request message.

In the method of remittance between wireless terminals according to the present invention, the remittance transaction request information further includes a remittance message directly input by the remitter through the remitter's wireless terminal, and the remittance transaction request message is directly transmitted by the remitter. Characterized in that the contents of the remittance message entered.

In the inter-terminal wire transfer method according to the present invention, the payee account is characterized by including a payee virtual account opened in the payee name.

In the inter-terminal wire transfer method according to the present invention, the fourth step, m (m ≥ 1) transactions including the wireless terminal information authenticated as the recipient of the stored transaction history as the recipient wireless terminal information; And confirming the m transaction details to the payee wireless terminal.

In the method of remittance between wireless terminals according to the present invention, setting a validity period for processing a received transaction using the stored transaction history and automatically canceling the received transaction using the transaction history when the validity period has passed. It is characterized in that it further comprises.

In the method of transmitting between wireless terminals using a virtual account according to the present invention, in a method executed through a server providing a remittance transaction, a first step of opening a virtual account of a remitter requesting a remittance transaction and a remitter's wireless terminal A second step of receiving the remittance transaction request information including the remittance amount information and the remittee wireless terminal information; and providing the remittance transaction information to the wireless terminal based on the remittance amount information and the remittee wireless terminal information of the remittance transaction request information. A fourth step of constructing a transaction history to be stored in the virtual account of the sender and a fourth step of processing a request transaction request message for inducing access to a recipient qualification to a recipient wireless terminal corresponding to the recipient wireless terminal information; Upon confirming the connection of the wireless terminal, the connection of the wireless terminal is connected in response to the request transaction request message. A fifth step of identifying whether the wireless terminal is connected to the recipient's qualification and authenticating whether the wireless terminal's connection of the identified recipient's qualification is actually the connection of the recipient's wireless terminal that has received the recipient transaction request message using the recipient wireless terminal information. When the recipient qualification access authentication of the recipient wireless terminal that received the message, the m (m ≥ 1) transaction that includes the wireless terminal information of the stored transaction history authenticated by the recipient qualification as the recipient wireless terminal information of the stored transaction history; Step 6 provides the identified m transaction details to the payee wireless terminal; and when the recipient receives the remittance payment amount through the payee wireless terminal, establishes a virtual account of the payee's name or opens an existing virtual account. An eighth step of performing a remittance procedure of remitting the remitter's remittance amount by confirming The remittance transaction request information further includes a remittance message directly input by the remitter through the remitter's wireless terminal, and the remittance transaction request message includes contents of a remittance message directly input by the remitter. It is characterized by.

In the method of transmitting between wireless terminals using a virtual account according to the present invention, the method further comprises the step of processing a carrier subscription authentication or a real name authentication of the sender for the wireless terminal of the sender, wherein the first step, the carrier subscription authentication It is characterized by opening a virtual account of the remitter.

In the method of transmitting between wireless terminals using a virtual account according to the present invention, the method further comprises the step of processing a carrier subscription authentication for the recipient wireless terminal or real name authentication for the recipient when the recipient wireless terminal is connected. It is done.

In the method of remittance between wireless terminals using a virtual account according to the present invention, the eighth step may be based on the recipient's approval to receive the remittance amount, and m '(1≤m'≤m) ) The step of performing a remittance procedure for the transaction details.

In the method of transmitting money between wireless terminals using a virtual account according to the present invention, the eighth step may be performed according to a specified fund settlement procedure between a server providing the remittance transaction and an affiliated financial company server. It is done.

In the inter-terminal remittance system using the virtual account authority control according to the present invention, in the inter-terminal remittance system using the virtual account authority control of the server connected to at least one remitter wireless terminal and the recipient wireless terminal, Remitter virtual account opening means for opening a remitter virtual account in the name of the N (N> 1) remitter, which is connected to the remitter as a remitter, and n (1) in which a certain amount of the N remitter virtual accounts is charged. Remittance transaction for receiving remittance transaction request information including remittance amount information and recipient wireless terminal information from n '(1≤n'≤n) remitter wireless terminals corresponding to a subset of ≤ n ≤ N) remittance virtual accounts Based on the request receiving means and the remittance transaction request information, n 'remitter-side transaction details are configured, and the n' remitter is virtual. Recipient wireless account that is recorded in the ledger of the left side and maintains the ledger access authority on the sender's transaction details in a recipient-accessible state, and is connected to the recipient as a recipient through the recipient wireless terminal. Recipient wireless terminal verification means for confirming the terminal information, the recipient's authentication results for the recipient wireless terminal information and the n 'remitter virtual based on the ledger access to the sender's transaction details of the n' remitter virtual account Sender virtual account inquiry means for checking the transaction details of the sender side recorded in the ledger of the account to check the m (m≥1) transactions including the payee wireless terminal information, and m confirmed from the n 'remitter virtual account Transaction history transmission means for transmitting two transaction details to the recipient wireless terminal, and the recipient A transaction history receiving means for receiving m '(1≤m'≤m) transactions from the wireless terminal in which the recipient is authorized to receive the remittance amount, and the m' transactions are received from a wireless terminal, Recipient virtual account opening means for opening a remittee virtual account in the payee name (or confirming the remittee virtual account in the payee name), and the remittance amount corresponding to the m 'transactions. Payee virtual account operating means for withdrawing money from the account and transferring to the payee virtual account.

According to the present invention, the wireless terminal inter-transmitter transfer system using the virtual account authority control, the carrier registration status of the remitter wireless terminal connected to the remitter wireless terminal connected to the remitter status through the communication company server, the subscriber of the wireless terminal connected to the recipient wireless subscriber It may further comprise a wireless terminal authentication means for authenticating the status.

According to the present invention, the inter-terminal money transfer system using the virtual account authority control may further include a virtual account recharging means for remitting a remittance amount from the real account in the name of the remitter and charging the remitter in the virtual account.

According to the present invention, a wireless inter-terminal remittance system using the virtual account authority control, the receiving request for a receivable transaction to at least one recipient wireless terminal corresponding to the recipient wireless terminal information included in the transaction history of the n 'sender side. Transaction request means may be further provided.

According to the present invention, in the inter-terminal wireless money transfer system using the virtual account authority control, the transaction history receiving means is m "(1≤m" ≤ (m-m ')) in which the recipient is refused to receive from the wireless terminal. Receiving the transaction details, and the remitter virtual account operating means sets the ledger access right to the remitter side's transaction history recorded in the remitter's virtual account corresponding to the received m " Can be.

The wireless terminal according to the present invention is a wireless terminal connected to a server for providing a remittance service between wireless terminals, the server connecting portion connecting to the server as a recipient through a communication network, and N (N> 1) Among the n (1≤n≤N) remitter virtual accounts with a certain amount of remitter virtual accounts, the remitter's transaction details for the remitter transaction requested from the remitter's wireless terminal are stored in the n 'remitter virtual accounts. A transaction history receiver that receives m (m≥1) transactions based on the recipient's ledger access authority, and m '(1≤m'≤m) received transaction approval transactions among the m transactions An interface output unit for outputting a receiving transaction determination interface for determining and receiving receipt transaction request information for requesting a receiving transaction for the determined m 'transaction details; 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 history request information for inquiring the remitter side transaction details of n 'remitter virtual accounts in which the recipient's ledger access authority is set, and sends the received transaction request interface to the server. You can print more.

According to the present invention, the receiving transaction determination interface in the wireless terminal has an interface for determining the m '(1 ≤ m "≤ (m-m')) of the received transaction rejection transaction details of the received m transaction history; Further, the receiving transaction approval processing unit may configure the receiving transaction rejection information for rejecting the receiving transaction for the m ″ transaction details and transmit to the server.

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

According to the present invention, the wireless terminal stores the electronic document when received transactions for the m 'transaction details are processed when m received transaction electronic documents corresponding to the m transaction details are stored in an electronic document storage area. The electronic document deleting unit may delete the m 'received transaction electronic documents stored in the area.

According to the present invention, when the m receipt transaction electronic documents corresponding to the m transaction details are stored in the electronic document storage area, m " (1 ≦ m ”≦ ( If the receipt transaction for the m-m ')) receipt transaction electronic documents is rejected, the electronic document deletion unit may further include an M' receipt transaction electronic document stored in the electronic document storage area.

According to the present invention, by maintaining the access to the ledger of the sender's virtual account requesting the remittance transaction in a recipient-accessible state, the recipient checks the remitter's virtual account through his wireless terminal and then transfers his / her request among the transaction details requested to him. The advantage is that only approved remittance transactions are processed selectively.

According to the present invention, a remittance transaction that is not approved by the payee has an advantage of inducing a safe remittance transaction to the payee by preventing the transaction details from being recorded in the payee's account.

1 is a view showing a configuration of a wire transfer system between wireless terminals according to an embodiment of the present invention.
2 is a diagram showing the configuration of a receiver wireless terminal function according to an embodiment of the present invention.
3 is a diagram illustrating a process of opening a virtual account for remittance according to an embodiment of the present invention.
4 is a diagram illustrating a remittance transaction request 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.
6 is a diagram illustrating a process of deriving a remittance transaction for processing a remittance transaction according to an embodiment of the present invention.
7 is a diagram illustrating a process of approving / rejecting a remittance transaction for processing a remittance transaction according to an embodiment of the present invention.
8 is a diagram illustrating a remittance transaction processing process according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram showing the configuration of a wire transfer system between wireless terminals according to an embodiment of the present invention.

More specifically, FIG. 1 shows n '(1 ≦ n' ≦ n corresponding to a subset of virtual accounts with n (1 ≦ n ≦ N) remittances filled with a predetermined amount of money among virtual accounts with N (N> 1) remittances). Recipient's access to the sender's access to the sender's transaction details corresponding to the remittance request through the n 'remitter's virtual accounts when requesting remittance from at least one remitter wireless terminal 190 to the at least one recipient wireless terminal 200. Recipient selects and approves m '(1≤m'≤m) remittance transactions among the m (m≥1) remittance requests requested to be remitted to him among the n' remittee's transactions. As a system configuration for processing a transaction, a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 1 and various implementation methods for the system for remittance between wireless terminals (e.g., , Some component parts 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 means constituting the inter-terminal remittance system are illustrated in the remittance transaction server 100 in the form of a component of the remittance transaction server 100. It is by no means limited to components, each means is implemented in the form of a separate server, or two or more means are implemented in the form of a server, or some means is implemented in the form of a server, and the other means is remitted according to the intention of the skilled person It is all possible to implement in the form of components of the transaction server 100, it will be apparent that the invention is not limited by the manner of implementation of the means.

According to the present invention, the remittance system between the wireless terminals, the remitter wireless terminal 190 used by N (N> 1) remitters and the remittee wireless terminal 200 used by the remittee receiving the remittance amount remitted by the remitter And opening the virtual accounts of the N remitters in the ledger 170 and receiving the wireless terminal from the n 'remitters wireless terminal 190 corresponding to the n remittance virtual accounts filled with a predetermined amount of the N remitter virtual accounts. In the case of a request for remittance to the remittance, the ledger access authority for the remittance request of the n 'remitter virtual accounts is given to the remittee wireless terminal 200 so that the n' remittances are received from the remittee wireless terminal 200 without a separate remittee virtual account. It comprises a remittance transaction server 100 for querying the sender virtual account to process m 'remittance requests approved by the recipient wireless terminal 200 of m remittance requests. Here, the remitter wireless terminal 190 and the recipient wireless terminal 200 are named to distinguish the purpose of the remittance service use of the wireless terminal connected to the remittance transaction server 100, each by the name of the wireless terminal The physical configuration of the terminal is not distinguished.

The remitter wireless terminal 190 collectively refers to a smart phone or a mobile phone used by a remitter, and includes a wireless communication device used by a user connected as a remitter as a remitter among wireless terminals connected to the remittance transaction server 100.

According to the method of the present invention, the recipient wireless terminal 200 is connected to the remittance transaction server 100 as the remitter qualification, and the remitter in the name of the remitter to the ledger 170 through the remittance transaction server 100 When a virtual account is opened and a predetermined amount is charged in the remitter's virtual account, remittance transaction request information including at least one remittance amount information, a receiver wireless terminal information, and a remittance message in response to the remitter's remittance transaction request; It is configured to have a program for transmitting to the remittance transaction server (100).

The recipient wireless terminal 200 collectively refers to a smartphone or a mobile phone used by a recipient who receives a remittance amount remitted by the remitter, and a user connected as a recipient among wireless terminals connected to the remittance transaction server 100. It includes a wireless communication device to be used.

According to the method of the present invention, the payee wireless terminal 200 is connected to the remittance transaction server 100 as the payee qualification, and the N dogs opened in the ledger 170 through the remittance transaction server 100. Receive m transaction details corresponding to the remitter's remittance request by searching the ledger 170 of the n 'remitter's virtual account in which the recipient's ledger access is set among the remitter's virtual accounts, and m' transactions among the m transactions Select the details to have a program to approve receipt of the remittance amount.

Referring to FIG. 1, the remittance transaction server 100 connects a communication terminal with a wireless terminal equipped with the program to exchange data, and at the same time, remits a remitter's qualification or a recipient's qualification of a user connected through the wireless terminal. Interface means 140 for identifying.

The interface unit 140 connects a communication channel with a remitter wireless terminal 190 requesting a remittance transaction through a wireless communication network, and transmits data between the remitter wireless terminal 190 and the remittance transaction server 100 through the communication channel. It provides an interface for transmitting and receiving, and extracts the wireless terminal information corresponding to the remitter wireless terminal 190 in the connection process of the remitter wireless terminal 190 to provide to the wireless terminal authentication means 150.

According to an embodiment of the present invention, the interface means 140 is connected to a wireless terminal by manually executing the program, or when selecting a menu related to a remittance transaction request while connected through the program. The user connected through the terminal recognizes that the user is connected as a remitter, and determines the connected wireless terminal as the remitter wireless terminal 190.

Alternatively, the interface means 140 connects a communication channel with a recipient wireless terminal 200 corresponding to the recipient of the remittance transaction requested by the remitter wireless terminal 190, and the recipient wireless terminal 200 and the recipient through the communication channel. It provides an interface for transmitting and receiving data between the remittance transaction server 100, and extracts wireless terminal information corresponding to the recipient wireless terminal 200 during the connection of the recipient wireless terminal 200, the wireless terminal authentication means 150 To provide.

According to an exemplary embodiment of the present invention, the interface means 140 receives a request transaction request message corresponding to a remittance transaction request of the remitter wireless terminal 190 from the wireless terminal and connects in response thereto, or the m Receives transaction details and accesses in response to the corresponding transaction, or outputs m transaction details through the program and accesses, or selects a menu related to a receiving transaction request while connected through the program. Recognizing that a user connected through the wireless terminal is connected as a recipient, and determines the connected wireless terminal as the recipient wireless terminal 200.

Referring to FIG. 1, the remittance transaction server 100 authenticates a mobile operator subscription state of a remitter wireless terminal 190 connected as a remitter as a remitter through a telecommunication company server 180 and connects as a recipient wireless terminal ( Wireless terminal authentication means 150 for authenticating the carrier subscription state of 200 is provided.

When the wireless terminal information of the remitter wireless terminal 190 connected as the remitter qualification through the interface means 140 is obtained, the wireless terminal authentication means 150 reads the remitter wireless terminal 190 information to the remitter wireless Identifies the carrier server 180 connected to the terminal 190, and the member information (or remitter information provided from the remitter wireless terminal 190) and the remitter wireless terminal 190 information about the sender wireless terminal 190; Provided to the communication company server 180, and the communication company server 180 compares the member information (or remitter information) of the remitter and the remitter wireless terminal 190 information with subscriber information and compares the result with the wireless terminal authentication means. In step 150, the wireless terminal authentication means 150 reads the authentication result and the remitter (or remitter wireless terminal 190) authenticates the subscription status of the telecommunication company.

Alternatively, when the wireless terminal information of the recipient wireless terminal 200 connected as the recipient through the interface means 140 is obtained, the wireless terminal authentication means 150 reads the recipient wireless terminal 200 information to the recipient wireless Identifies the carrier server 180 connected to the terminal 200, the member information (or the recipient information provided from the recipient wireless terminal 200) and the recipient wireless terminal 200 information for the recipient wireless terminal 200; Provided to the communication company server 180, and the communication company server 180 compares the recipient information (or the recipient information) and the recipient wireless terminal 200 information with the subscriber information and compares the result with the wireless terminal authentication means. In step 150, the wireless terminal authentication means 150 reads the authentication result and the recipient (or recipient wireless terminal 200) authenticates the subscription status of the telecommunication company.

Referring to FIG. 1, the remittance transaction server 100 includes a virtual account opening means 105 for remitting a virtual account for remittance of a transfer of N (N> 1) remitters in which the carrier subscription status is authenticated. And a remittance virtual account charging means 130 which withdraws the recharge amount from the real account in the name of the remitter and charges the remitter in the virtual account.

When the carrier subscription status of the remitter is authenticated, the remitter virtual account opening means 105 checks in the ledger 170 whether a virtual account in the name of the remitter of which the carrier subscription status is authenticated is opened.

Here, the ledger 170 in which the virtual account is opened may be a ledger 170 provided at a financial company affiliated with the remittance transaction server 100 or may be linked to or synchronized with the ledger 170 of the financial company server 175. It may include at least one of the ledger 170 in the remittance transaction server 100 is set to be.

If the virtual account in the name of the remitter is not opened in the ledger 170, the remitter virtual account opening means 105 regards the sender's carrier status registration result as the remitter real name authentication for opening the virtual account. A remitter virtual account in the name of the remitter is opened at 170. Here, the real name authentication for opening the virtual account is not face-to-face authentication based on face-to-face authentication for opening a real account, but non-face-to-face authentication for opening a virtual account to be charged with a predetermined amount from the real account of the sender to provide a remittance transaction. Means real name authentication.

When the remitter's virtual account is opened or the remitter's virtual account previously opened in the name of the remitter is confirmed, the remitter's virtual account charging unit 130 checks whether a predetermined amount for remittance transaction is provided to the virtual account. do. Here, the predetermined amount for providing the remittance transaction means a larger amount than a predetermined minimum charge amount before the remittance transaction from the remitter wireless terminal 190, and the remittance transaction has occurred from the remitter wireless terminal 190. After that, it means an amount larger than the remittance amount corresponding to the remittance transaction.

If a certain amount of money is not charged in the remitter's virtual account, the remitter's virtual account charging means 130 is established in a financial company using a virtual account charging interface output through a program provided in the remitter's wireless terminal 190. A withdrawal amount corresponding to the predetermined amount is withdrawn from the real account in the name of the remitter to generate a financial transaction in which the remitter's virtual account is charged. According to another embodiment of the present invention, the remitter's virtual account charging means 130 is the remitter through the remitter's payment means (for example, credit card, debit card, prepaid card, gift certificate, etc.) in addition to the real account in the name of the remitter You can add a certain amount to your virtual account.

Referring to FIG. 1, the remittance transaction server 100 corresponds to n ′ (1 ≦ 1) corresponding to a subset of n (1 ≦ n ≦ N) remittances of virtual accounts filled with a predetermined amount of the N remittances. remittance transaction request receiving means for receiving remittance transaction request information including remittance amount information and payee wireless terminal 200 information from n'≤n) remitter wireless terminals 190, and the received remittance transaction request; Based on the information, n 'sender's transaction history is configured and recorded on the ledger 170 of the n' sender's virtual account, and the sender's virtual account maintains the access to the sender's transaction. Receiving transaction request means having an account operating means 110, requesting a receivable transaction to at least one recipient wireless terminal 200 corresponding to the recipient wireless terminal 200 information included in the transaction history of the n 'sender side 145 is further provided.

When a certain amount of money is charged to the n remitter virtual account of the N remitter virtual account opened in the ledger 170 through the remitter virtual account charging means 130, the remittance transaction request receiving means 135 is the predetermined amount The charged n remittances include remittance amount information and recipient wireless terminal 200 information from the n 'remitters wireless terminal 190 corresponding to a subset of the virtual account, and further include a remittance message according to an implementation method. Receive money transfer request information.

When n 'remittance transaction request information is received from the n' remitter wireless terminal 190, the remitter virtual account operating means 110 corresponds to the remittance virtual account corresponding to the remittance amount included in the remittance transaction request information. The transaction information of the ledger 170 is set as a transaction amount item, and the payee wireless terminal 200 information is configured as n 'remitter side transaction details which are set as a transaction target item in the transaction history of the ledger 170. If the remittance transaction request information includes a remittance message, the remitter virtual account operating means 110 sets the remittance message as an important item of the transaction history of the ledger 170, or unique identification code in the remittance message (For example, letters / numbers of possible digits recorded in the brief item) are allocated and recorded in a separate additional ledger 170, and the unique identification code assigned to the remittance message is set as the short item among the transaction details of the ledger 170. Can be.

When n 'remitter-side transaction details for the n' remittance transaction request information are configured, the remitter virtual account operating means 110 transfers the configured n 'remitter-side transaction details to each of the n' remittance virtual accounts. It records in the transaction history of the corresponding ledger 170, and maintains the access to the ledger access to the remitter-side transaction history recorded in the transaction history of the ledger 170 in response to the inquiry request of the recipient. That is, the transaction history of all accounts (or virtual accounts) can be inquired only at the request of the holder of the account, and the court order is required to inquire the accounts of others, while the remitter's virtual account operating means 110 The transaction is maintained in a state capable of inquiring in response to the inquiry request of the recipient connected to the remittee virtual account as the recipient. Access to the transaction details of the remitter's virtual account can be set through the terms and conditions agreement of the remitter's virtual account.

When n 'sender-side transaction details accessible to the n' remitter virtual accounts are recorded, the receiving transaction requesting means 145 is a recipient wireless terminal corresponding to a transaction target of the n 'remitter-side transaction details. 200) a recipient transaction request message for requesting a recipient transaction through the transaction history inquiry of the remitter's virtual account to at least one recipient wireless terminal 200 corresponding to the information and transmitting the received transaction request message to the recipient wireless terminal 200; The wireless terminal 200 requests a receipt transaction for the transaction details of the n 'remitters.

Referring to FIG. 1, the remittance transaction server 100 is connected to the payee through the payee wireless terminal 200 as a payee, and confirms the payee wireless terminal 200. And a ledger of the n 'remitter's virtual account based on a recipient qualification authentication result for the recipient's wireless terminal 200 information and the ledger's access authority on the sender's transaction details of the n' remitter's virtual account ( A remitter virtual account inquiry means 115 for retrieving m (m≥1) transactions including remittee wireless terminal 200 information by retrieving the transaction details of the remitter side recorded in 170) and the n 'remitters; Transaction history transmission means 155 for transmitting the m transaction history identified from the virtual account to the recipient wireless terminal 200.

When at least one wireless terminal receiving the request transaction request message is connected to the recipient as a recipient and the carrier subscription status authentication procedure for the recipient (or the recipient wireless terminal 200) is performed through the wireless terminal authentication means 150. The recipient wireless terminal checking means 165 checks whether the recipient qualification of the recipient (or the recipient wireless terminal 200) is authenticated through the wireless terminal authentication means 150, and if the recipient qualification is authenticated, the recipient Check the recipient wireless terminal 200 information is qualified.

When the payee wireless terminal 200 information is confirmed, the remitter virtual account inquiry means 115 is authorized to access the ledger from the ledger 170 from the ledger 170 based on the payee qualification authentication result for the payee wireless terminal 200 information. The remitter-side transaction history recorded in the ledger 170 of the n 'remitter virtual account is checked based on the n' remittee virtual accounts maintained. Inquiry to check the m remitter-side transaction history including the recipient wireless terminal 200 information in the transaction target item of the transaction history, and to provide the confirmed remitter-side transaction details to the recipient wireless terminal 200 It is decided by transaction details.

When the m transaction details including the recipient wireless terminal 200 information from the n 'remittance virtual accounts are included in the transaction target item of the transaction history, the transaction history transmission means 155 transmits the n' remittance virtual accounts. The m transaction details identified from the transaction information are transmitted to the receiver wireless terminal 200, or a transaction history transmission message including the m transactions is configured and transmitted to the receiver wireless terminal 200.

The receiver wireless terminal 200 having received the m transaction details forms m receipt transaction electronic documents corresponding to the received m transaction details, and stores them in an electronic document storage area allocated to the memory unit 255. Thereafter, the recipient wireless terminal 200 may select m 'received transaction electronic documents from m received transaction electronic documents stored in the electronic document storage area at any time to approve m' received transactions.

In addition, the recipient wireless terminal 200 outputs a receipt transaction determination interface for determining m 'transaction details to approve the receipt transaction among the m transaction details. If m 'receipt transaction approval transaction details are determined through the receipt transaction determination interface, the recipient wireless terminal 200 transmits the determined m' transaction details to the remittance transaction server 100.

Referring to Figure 1, the remittance transaction server 100, m '(1 ≤ m' ≤ m) transactions approved of the recipient's remittance amount of the m transaction history from the recipient wireless terminal 200 The transaction history receiving means 160 for receiving the details, and when the m 'transaction history is received, the recipient virtual account for opening a recipient virtual account of the payee name (or confirming a payee virtual account of the previously opened payee name). The account opening means 120 and the recipient virtual account operating means 125 for withdrawing the transfer amount corresponding to the m 'transaction details from the m' remitter's virtual account and transfers it to the recipient's virtual account.

When m 'transaction details determined through the recipient transaction determination interface are transmitted from the receiver radio terminal 200, the transaction history receiving means 160 approves receiving the remittance amount of the recipient from the receiver radio terminal 200. Receiving the m 'transaction history, and when the m' transaction history is received, the recipient virtual account opening means 120 is a virtual account of the recipient name to receive the remittance amount corresponding to the m 'transaction history Check if it is open.

If the virtual account of the payee name is not opened, the recipient virtual account opening means 120 is a recipient for opening the virtual account through the wireless terminal authentication means 150 the result of the carrier's communication status authentication of the payee. It is regarded as real name authentication to open a recipient virtual account in the payee name in the ledger 170. That is, in FIG. 1, the remitter virtual account is confirmed whether the remitter is opened at the same time as the remitter's qualification and automatically opened based on the result of the remitter's communication status of the remitter's carrier before the remitter's request for remittance, while the remittee virtual account is the remittee. Whether the m 'transaction details are received from the wireless terminal 200 is opened or not and is selectively opened based on the result of the carrier's subscription status of the sender of the payee.

If the recipient's virtual account is opened in the payee's name after the m 'transactions are received from the payee wireless terminal 200, or if the payee's virtual account is already established in the payee's name, the payee's virtual account is operated. The means 125 checks the m 'remitter virtual accounts corresponding to the m' transactions received from the payee wireless terminal 200, and the remittee's ledger for the transaction details of the remitter side of the m 'remitter virtual accounts. Based on the access rights, the transfer transaction between virtual accounts for transferring the m 'remittance amount included in the m' transaction details from the m 'remittance virtual accounts to the payee virtual account is processed.

According to an exemplary embodiment of the present invention, when the recipient's ledger access right to the sender's transaction details of the m 'remitter virtual accounts is included in the direct debit authority, the recipient virtual account operating means 125 is the debit authority. The m 'remittance virtual account is transferred from the m' remittance virtual account included in the m 'transaction details to the payee virtual account.

According to another exemplary embodiment of the present invention, the payee virtual account operating means 125 sets the payee virtual account as a virtual collection account, and then provides the payee's transaction details on the sender's side of the m 'remitter virtual accounts. Based on the ledger access authority, the collection information is configured to make the payee virtual account as a virtual collection account, and then the m 'included in the m' transactions from the m 'remitter virtual accounts using the collection information. Money can be transferred to the recipient's virtual account.

According to another exemplary 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 an operation of a remittance transaction server 100 or a real account of a financial company), The recipient virtual account operating means 125 is based on the m 'transaction history while maintaining the actual funds for the m' remittance amount deposited in the mother account according to a plurality of virtual accounts and the mother account fund settlement procedure By constructing the transaction history of the m 'recipient side (e.g., the transaction history that received the remittance amount from the m' remitter virtual account) to be recorded in the transaction history of the beneficiary virtual account and record in the transaction history of the beneficiary virtual account, From the m 'remittance virtual accounts, the m' remittance amount included in the m 'transactions may be transferred to the payee virtual account.

According to the method of the present invention, when the m 'remittance amount included in the m' transaction details is transferred from the m 'remittance virtual account to the recipient's virtual account, the remitter's virtual account operating means 110 is Ledger access to m 'remitter's transaction history recorded in the sender's virtual account corresponding to m' transactions can be set as non-recipient's inaccessible state, whereby the remitter's transaction with the transaction completed is no longer provided to the recipient. Not queried by

Meanwhile, the receiver wireless terminal 200 having received the m transaction details may reject the received transaction from among the received m transaction details (or m received transaction electronic documents stored in the electronic document storage area). An interface for determining m ″ ≦ (m−m ′)) transaction details may be output, or an interface for rejecting the incoming transaction may be included in the numerical transaction determination interface.

If the m ”receipt transaction rejection target transaction details of the m transaction details (or m receipt transaction electronic documents) are determined, the receiver wireless terminal 200 transmits m” transaction details for which the receipt transaction is rejected. In this case, the transaction history receiving means 160 receives the m "transaction details of the recipient is rejected from the recipient wireless terminal 200, the remitter virtual account operating means 110 is the received m" Based on the ledgers' access rights to the transaction details, you can access the m ”remitter's transaction details recorded in the sender's virtual account, and set the ledgers' access rights for the m” remitters' transaction details to be inaccessible to the recipient. As a result, the transaction details of the remitter on which the transaction is completed are no longer inquired by the payee.

If the ledger access authority of the m ”remitter-side transaction details is set to be inaccessible to the recipient, and the recipient's intention to reject the transaction for the m” remittance transaction is clearly confirmed, the virtual remitter virtual account operating means 110 determines Delivers a transaction cancellation message including a recipient's intention to reject a transaction to the sender's wireless terminal 190 through the interface means 140, and sends the remittance transaction request in response to the transaction cancellation message at the sender's wireless terminal 190. After a certain period of time has passed since the cancellation or cancellation of the transaction message to the remitter wireless terminal 190, the transaction history of m " Delete at 170 or attach a cancel transaction flag to distinguish it from other transactions.

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

In more detail, FIG. 2 is a view of a virtual account of N remittances opened in the ledger 170 in response to a remittance transaction request from the remittance transaction server 100 and a remittance transaction request from the remittance transaction server 100. By checking the ledger 170 of the n 'remitter virtual account set the recipient's access rights, receive m transactions corresponding to the remitter's remittance request, select m' transactions among the m transactions As shown in FIG. 2, a recipient wireless terminal 200 function configuration including a program configuration for approving receipt of a remittance amount, and a person of ordinary skill in the art to which the present invention pertains may be referred to and / or modified. Although it may be possible to infer various implementation methods for the functions provided in each radio terminal for remittance transactions between the radio terminals, the present invention provides all the implementation methods inferred It is made, including, and the technical features are not limited only to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to access the remittance transaction server 100 as a remitter, and through the remittance transaction server 100. When the remitter virtual account in the name of the remitter is opened in the ledger 170 and a predetermined amount is charged in the remitter virtual account, the remitter wireless terminal 190 constructs a remittance transaction request information and transmits it to the remittance transaction server 100. The program configuration of the sender wireless terminal 190 and the program configuration of the recipient wireless terminal 200 shown in FIG. 2 will be apparently implemented as one program configuration. 2 illustrates a program configuration provided in the receiver wireless terminal 200 for convenience.

Referring to FIG. 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, and a sound input unit 225. And a wireless communication unit 235, a short range communication unit 240, a USIM reader unit 245, and a battery 230 for supplying power with the USIM 250, and added to a mobile phone or a smartphone corresponding to the wireless terminal. At least one terminal component may be further provided according to a function to be used.

The control unit 205 is a generic term for a functional configuration that controls the operation of the wireless terminal. The controller 205 includes at least one processor and an execution memory, and is connected to each functional component provided in the wireless terminal through a bus. . According to the present invention, the control unit 205 loads and computes at least one program code included in the wireless terminal through the processor into the execution memory, and transfers the result to at least one function component through the bus. To control the operation of the wireless terminal. Hereinafter, for convenience, a functional component that is implemented in the form of program code will be described in the control unit 205 of FIG.

The memory unit 255 is a general term for a nonvolatile memory included in the wireless terminal, and stores and maintains 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 includes 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. Application data sets are stored, and program codes and data sets 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 a program code corresponding to the program configuration shown in FIG. 2, and an electronic document storage for storing at least one receiving transaction electronic document. With an area.

The screen output unit 210 includes a screen output device (for example, a liquid crystal display (LCD) device) and an output module for driving the same, and is connected to the control unit 205 by a bus to perform various operations of the control unit 205. The calculation result corresponding to the screen output is output to the screen output device.

The key input unit 215 is composed of a key input device having at least one key button (or a touch screen device interworking with the screen output unit 210) and an input module for driving the key input device. It is connected by a bus to input a command for instructing various operations of the control unit 205, or input 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 by a bus to correspond to sound output among various calculation results of the control unit 205. The calculation result is output through the speaker. The sound module decodes sound data to be output through the existing 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 sound data input through the microphone to the controller 205. The sound module encodes and encodes a sound signal input through the microphone.

The wireless communication unit 235 is a general term for a communication configuration for connecting wireless communication, and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving radio frequency signals of a specific frequency band. 205 is connected to the bus and transmits a calculation result corresponding to wireless communication among various calculation results of the control unit 205 through wireless communication, or receives and transmits data to the control unit 205 through wireless communication. At the same time, the procedures of connection, registration, communication, and handoff of the wireless communication are maintained.

According to the exemplary embodiment of the present invention, the wireless communication unit 235 includes a mobile communication configuration for performing at least one connection, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to the CDMA / WCDMA standard. do. Meanwhile, according to the intention of the person skilled in the art, the wireless communication unit 235 is an IEEE 802.16? In accordance with the standard, the mobile Internet connection may further include a mobile Internet communication configuration for performing at least one connection, location registration, data communication, and handoff, and the present invention is limited by the wireless communication configuration provided by the wireless communication unit 235. It is clear that it is not.

The short range communication unit 240 is configured as a short range communication module for connecting a communication session using a radio frequency signal as a communication medium within a predetermined distance, preferably, ISO 180000 series of RFID communication, Bluetooth communication, Wi-Fi communication, public It may include at least one of wireless communication. According to the exemplary embodiment of the present invention, the short range communication unit 240 may be integrated with the wireless communication unit 235.

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

The USIM 250 is a SIM type card provided with an IC chip according to the ISO / IEC 7816 standard, an input / output interface including at least one contact point connected to the USIM reader unit 245, and at least one IC. An IC chip memory for storing program codes and data sets for a chip, and calculating or extracting (or processing) the data sets for the IC chips according to at least one command connected to the input / output interface and transmitted from the wireless terminal. It includes a processor for transmitting to the input and output interface.

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

Referring to FIG. 2, the recipient wireless terminal 200 includes a server connection unit 260 for connecting to the remittance transaction server 100 as a recipient through a communication network, and the ledger 170 from the remittance transaction server 100. Remitter side transaction details of the requested remittance transaction for the remittance transaction requested from the wireless terminal 190 among the n (1≤n≤N) remittance virtual accounts filled with a certain amount of N (N> 1) remittance virtual accounts opened in A transaction history receiver 265 that receives m (m≥1) transactions that are inquired based on the recipient's ledger access rights set in the n 'remitter virtual accounts that store the transaction; and an interface output unit 270 configured to output transaction receipt request interface for configuring transaction history request information for inquiring transaction details of the sender side of n 'remitter virtual accounts, and transmitting the received transaction request information to the server, or the received The electronic document storage unit 285 may further include an electronic document storage unit 285 configured to store m received transaction electronic documents corresponding to the m transaction details and store them in the electronic document storage area.

The server connection unit 260 receives a receipt transaction request message corresponding to the remittance transaction request of the remitter wireless terminal 190 from the remittance transaction server 100 and accesses the remittance transaction server 100 in response thereto. Alternatively, after receiving the m transaction details from the remittance transaction server 100 and accessing the remittance transaction server 100 in response thereto, or outputting the m transactions, the remittance transaction server By connecting to the transfer 100 or the transfer transaction server 100 and the communication channel is connected to the remittance transaction server 100 via the key input unit 215 that the menu related to the incoming transaction request is selected, The recipient wireless terminal 200 is connected to the remittance transaction server 100 as a recipient.

Thereafter, the remittance transaction server 100 authenticates the service provider subscription state of the payee wireless terminal 200 through the communication server server 180 to which the payee wireless terminal 200 is connected to the payee (or payee wireless terminal 200). Authenticate the recipient qualification, and share the authentication result to the recipient wireless terminal 200.

The interface output unit 270 is n 'that the recipient's accessible state is maintained by the remitter's remittance transaction request of the n remittance virtual accounts filled with a certain amount from the ledger 170, the N remittance virtual account is opened It is possible to configure the transaction history request information for searching the ledger 170 of the n 'remitter virtual account that maintains the transaction details of the remitter side can be output to the remittance transaction request interface transmitted to the remittance transaction server (100). Here, the receipt transaction request interface is implemented in the form of an interface for obtaining the recipient's approval for requesting and receiving the m transaction details from the remittance transaction server 100.

After the transaction history request information is transmitted to the remittance transaction server 100, the transaction history receiver 265 has n 'ledger access rights from the remittance transaction server 100 through the transaction history request information. Search the ledger 170 of the remitter virtual account to receive the m transactions confirmed. Here, the m transaction details are transaction details including the recipient wireless terminal 200 information in the transaction target item among the transaction details of the remitter side of the n 'remittance virtual accounts.

When m transactions 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 transactions.

Here, the receiving transaction electronic document is a data file configured by substituting the sender's wireless terminal 190 information (or the sender's virtual account information), the remittance amount information and the transaction history reception date information into a preset electronic document data structure, or Contains a document file constructed by assigning to a set electronic document form. If the received transaction details include a remittance message, the receiving transaction electronic document may further include the remittance message. Alternatively, when a valid transaction period is set in the received m transactions, the electronic transaction transaction document is valid after the validity period (or transaction expiration date) and the validity period (or transaction expiration date) to approve / reject the receipt transaction. It may further include an automatic transaction condition (eg, a condition for automatically approving or automatically rejecting the incoming transaction).

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

Referring to FIG. 2, the receiver wireless terminal 200 outputs an interface for determining a receiving transaction determination interface for determining m '(1 ≦ m' ≦ m) receiving transaction approval transactions among the m transactions. Receiving transaction request processing unit 275 for configuring the receiving transaction request information for requesting the receiving transaction for the determined m 'transaction details and transmits to the remittance transaction server 100, and the remittance transaction server And a receipt transaction result output unit 280 for receiving and outputting receipt transaction result information for the receipt transaction request information from 100, and when the receipt transaction for the m 'transaction details is processed, the electronic document storage area. An electronic document erasing unit 290 for erasing m 'received transaction electronic documents is further provided.

When 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 receives the m transaction details (or receipt). Display a list of transaction electronic documents), further display detailed transaction information on the selected transaction details (or receivable transaction electronic documents) from the list, and receive the receipts from the m transaction details (or receivable transaction electronic documents). Outputs an incoming transaction determination interface that determines m 'transaction details to approve a transaction. For example, the receiving transaction determination interface may include a checkbox interface for selecting m 'transaction details (or receiving transaction electronic document) among m transaction details (or receiving transaction electronic document).

According to an exemplary embodiment of the present invention, the interface output unit 270 may have m ″ (1 ≦ m ”≦ (m−m ′) number of rejected transactions among the m transactions (or a receipt transaction electronic document). The interface may further include an interface for determining a transaction history, or may further include an interface for determining the m 'rejection transaction rejection transaction in the receiving transaction determination interface for determining the m' receipt transaction approval transaction details. .

When the m 'receipt transaction approval transaction details are determined through the receipt transaction determination interface, the receipt transaction approval processing unit 275 configures the receipt transaction request information for requesting the receipt transaction for the m' transaction details and sends the remittance. Transmit to transaction server 100. Here, the received transaction request information may include batch transaction information for collectively processing m 'received transactions corresponding to the m' transaction details.

The remittance transaction server 100 receiving the remittance transaction request information checks (or opens) a remittee virtual account in the payee name, and then transfers the transaction history of the m 'remitter virtual account corresponding to the m' transactions. After the transfer transaction between the virtual accounts transferring the transfer amount of m 'transfers from the m' remitter virtual account to the payee virtual account based on the recipient's access authority to the recipient, the receivable corresponding to the transfer transaction between the virtual accounts The transaction result information is transmitted to the recipient wireless terminal 200.

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

When the receipt transaction result information is received from the remittance transaction server 100, the electronic document erasing unit 290 corresponds to m ′ corresponding to the receipt transaction result information among the m receipt transaction electronic documents stored in the electronic document storage area. Deletes the electronic receipt document or transfers the m 'electronic receipt document to the electronic document storage area for storing the electronic document of the receipt transaction is completed.

If the m ”receipt transaction rejection transaction details of the m transaction details (or the receipt transaction electronic document) are determined through the interface output unit 270, the electronic document erasing unit 290 is stored in the electronic document storage area. Delete m ”receipt transaction electronic document rejected by the received transaction among m stored transaction electronic documents or transfer the m” receipt transaction electronic document to an electronic document storage area for storing the electronic document rejected by the transaction. .

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

In more detail, Figure 3 identifies the wireless terminal connected as a remitter as a remitter wireless terminal 190 to authenticate the carrier subscription status through the carrier server 180, and then establishes a virtual account of the service provider subscription status authentication result. The process of opening a virtual account in the name of the sender in consideration of a real name authentication for the present invention, and a person having ordinary knowledge in the technical field to which the present invention pertains, refers to and / or modifies the present figure 3 to open the remitter's virtual account. Various implementations of the process (e.g., implementation steps in which some steps are omitted or reordered) may be inferred, but the present invention includes all the implementation methods inferred above, as shown in FIG. The technical features are not limited only by the implementation method.

Referring to FIG. 3, when a program is run in a wireless terminal and connected to a remittance transaction server 100 shown in FIG. 1 as a remitter through a communication network (300), the interface unit 140 transmits the wireless terminal 190 to the remitter. And the communication channel and identify that the remitter wireless terminal 190 is connected as a remitter. According to an embodiment of the present invention, the interface means 140 is connected to a wireless terminal by manually executing the program, or when selecting a menu related to a remittance transaction request while connected through the program. The user connected through the terminal is identified as being connected as a remitter.

If it is identified that the wireless terminal is connected as the remitter qualification (310), the wireless terminal authentication means 150 obtains the remitter wireless terminal 190 information connected as the remitter qualification, and the remitter wireless terminal 190 After confirming the remitter information for, and identifying the carrier corresponding to the remitter wireless terminal 190 (315), and transmits the remitter wireless terminal 190 information and the remitter information to the carrier server 180, the remitter (Or the wireless carrier 190 of the remitter) authenticates the carrier subscription status (320).

If the carrier subscription status of the remitter (or remitter wireless terminal 190) is not authenticated (325), the wireless terminal authentication means 150 transmits the carrier subscription error information to the remitter wireless terminal 190 (330). ).

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

If the sender's virtual account in the sender's name is not confirmed (340), the sender's virtual account opening means 105 regards the sender's carrier subscription status authentication result as a real name authentication for opening a virtual account and the ledger 170 In step 345, a remitter virtual account in the name of the remitter is opened.

On the other hand, when the remitter's virtual account in the name of the remitter is confirmed (340), or the remitter's virtual account is newly established through the remitter's virtual account opening means 105 (345), the remitter's virtual account charging means 130 is In operation 350, the remitter virtual account checks whether a predetermined amount for remittance transaction is charged.

If a certain amount is not charged in the remitter's virtual account (355), the remitter's virtual account charging means 130 is before (or at the same time as) the remittance transaction request information is received from the remitter's wireless terminal 190. A certain amount of money is charged to the sender virtual account through the sender's real account (or the sender's payment means) through a program provided with the sender's wireless terminal 190 or through a financial transaction channel used by the sender (360).

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

In more detail, Figure 4 shows that when a carrier subscription status of a remitter wireless terminal 190 connected as a remitter is authenticated and a remitter virtual account is established in the name of the remitter, the remitter wireless terminal 190 remits through a program. FIG. 1 illustrates a process of constructing transaction request information and transmitting the transaction request information to the remittance transaction server 100 shown in FIG. 1. If a person of ordinary skill in the art belongs to the present disclosure, reference to FIG. 4 and / or It may be modified to infer various implementation methods (e.g., implementation steps of some steps omitted or changed order) for the remittance transaction request process, but the present invention includes all the implementation methods inferred, The technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 4, when a sender virtual account in the name of the sender is opened and a predetermined amount is charged in the sender virtual account, the program of the sender wireless terminal 190 connected as the sender qualification is based on the sender qualification authentication. Output the interface for inputting the transaction request information (400), and if the interface is output (405), after processing the input of the remittance amount and the recipient wireless terminal 200 information through the interface (410), the input remittance Remittance transaction request information including the amount and the recipient wireless terminal 200 information is configured (415). Here, the interface further includes an interface for inputting a remittance message, in which 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 Figure 1 002835.

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

In more detail, FIG. 5 illustrates n 'corresponding to remittance transaction request information received from the wireless terminal 190 of n' remittances through the process shown in FIG. 4 in the remittance transaction server 100 shown in FIG. As shown in the process of configuring the transaction details of the remitter-side transaction to record the transaction history of the n 'remitter's virtual account, maintaining the access to the ledger of the n' remitter-side transaction history in the recipient accessible state, the present invention Those skilled in the art may refer to and / or modify this drawing 5 to implement various methods of processing the remittance transaction request (for example, some steps may be omitted or the order may be changed). It can be inferred), but the present invention includes all the implementation method inferred, the technical features only in the implementation method shown in FIG. This is not limited.

Referring to FIG. 5, the remittance transaction request receiving means 135 includes n remittances filled with a predetermined amount of virtual funds, which are N remittances opened in the ledger 170, through the process illustrated in FIG. 3. In step 500, n 'remittance transaction request information is received from the wireless terminal 190, which is the n' remittance corresponding to the subset.

If the n 'remittance transaction request information is received (505), the sender virtual account operating means 110 configures the transaction history of the n' remitter based on the received n 'remittance transaction request information (505); 510) record the transaction details of the n 'remitter side in the ledger 170 of the n' remitter's virtual account (515), and make the ledger access authority for the n 'remitter side transaction history accessible to the recipient; Maintain (520).

The receiving transaction requesting means 145 transmits a receiving transaction request message to the receiving wireless terminal 200 corresponding to the receiving wireless terminal 200 information included in the n 'sender-side transaction details (525).

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

In more detail, FIG. 6 is connected to the remittance transaction server 100 shown in FIG. 1 as a recipient in the beneficiary wireless terminal 200 shown in FIG. After authentication, the receiver wireless terminal 200 includes m transaction details including the receiver wireless terminal 200 information among the n 'payees' transaction transactions maintained in the recipient's accessible state through the process shown in FIG. As illustrated in FIG. 6, a person having ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention, and various implementation methods (eg, some steps may be performed) for the process of inducing a beneficiary transaction. May be inferred or changed in order), but the present invention includes all implementation methods inferred from the above, and the implementation shown in FIG. The technical features are not limited only by the method.

Referring to FIG. 6, the payee wireless terminal 200 corresponds to the payee request message transmitted through the process illustrated in FIG. 5, and is a remittance transaction server 100 shown in FIG. 1 as a payee through a communication network. And the interface means 140 connects the recipient wireless terminal 200 with the communication channel and identifies that the recipient wireless terminal 200 has connected as the recipient qualification (605).

If it is identified that the recipient wireless terminal 200 is connected as a recipient qualification (610), the wireless terminal authentication means 150 obtains the recipient wireless terminal 200 information connected as the recipient qualification, the recipient wireless After confirming the recipient information on the terminal 200 and identifying a carrier corresponding to the recipient wireless terminal 200 (615), the carrier wireless terminal 200 information and the recipient information to the carrier server 180 By transmitting (step 620) to authenticate the carrier subscription status of the recipient (or recipient wireless terminal 200).

*

*

* If the carrier subscription status of the recipient (or recipient wireless terminal 200) is not authenticated (625), the wireless terminal authentication means 150 transmits carrier subscription error information to the recipient wireless terminal 200 ( 630).

On the other hand, if the carrier subscription status of the recipient (or the recipient wireless terminal 200) is authenticated (625), the recipient wireless terminal checking means 165 checks the recipient wireless terminal 200 information of the carrier subscription status is authenticated and In operation 635, the remitter virtual account inquiry means 115 maintains the recipient's accessible state based on the ledger access authority set in the transaction history of the n 'remitter virtual account through the process shown in FIG. The transaction information of the remitter side is inquired to identify m payee transactions including the recipient wireless terminal 200 information as a transaction target item of the transaction (640).

If the m payee target transactions are not confirmed (645), the sender virtual account inquiry means 115 transmits the transaction history inquiry error information to the recipient wireless terminal 200 (650).

On the other hand, when the m payee target transactions are confirmed (645), the transaction history transmission means 155 transmits the identified m transactions to the recipient wireless terminal 200 (655).

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

In more detail, FIG. 7 determines m 'received transaction approval transactions among m transactions received through the process shown in FIG. 6 in the receiver wireless terminal 200 shown in FIG. The process of transmitting to the remittance transaction server 100 shown in the figure, and determine the m "receipt transaction rejection transaction details in the recipient wireless terminal 200 and transmits to the remittance transaction server 100 to the m" received transactions As a process of rejecting the present invention, a person having ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 7 and various implementation methods for the approval / rejection process of the receiving transaction (for example, Some steps may be omitted, or the order of implementation may be changed), but the present invention includes all implementation methods inferred, and only the implementation method shown in FIG. The technical features are not limited.

Referring to FIG. 7, the program of the receiver wireless terminal 200 receives 700 transaction details transmitted through the process illustrated in FIG. 6, and receives the received transaction details for the received transaction details. After constructing and storing a document in an electronic document storage area (705), the receiving transaction determination interface for the m transactions is output (710), and m 'of the transaction details through the receiving transaction determination interface. Receiving transaction approval transaction history is determined (720). If the m 'receipt transaction approval transaction details are determined (720), the program of the recipient wireless terminal 200 configures the receipt transaction request information for the determined m' transaction details and the remittance transaction server 100. 725.

On the other hand, the program of the receiver wireless terminal 200 checks through the payee determination interface whether the m "receipt transaction rejection transaction details of the m transactions are determined (730), if the m" rejection transaction rejection transaction history When it is determined (735), the receiving transaction rejection information for the m "rejection transaction rejection transaction history is configured and transmitted to the remittance transaction server 100 (740), the transaction history receiving means 160 is the recipient Receiving the m ”receipt transaction rejection transaction details from the wireless terminal 200 (745), the remitter virtual account operating means 110 is the recipient access status to the recipient access authority for the m” remitter side transaction details (750), the program of the recipient wireless terminal 200 is the m "receipt transaction electronic document rejected by the beneficiary transaction electronic document among the m receipt transaction electronic documents stored in the storage area; It is erased (755).

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

In more detail, FIG. 8 illustrates that when m 'received transaction approval transactions are received from the receiver wireless terminal 200 through the process illustrated in FIG. 7, the transfer transaction server 100 shown in FIG. In the technical field to which the present invention pertains, a process of transferring a transfer of m 'remittance amount is transferred from the m' remitter's virtual account to the beneficiary's virtual account based on the authority of the ledgers for transaction details. Those skilled in the art may refer to and / or modify this drawing 8 to infer various implementation methods (e.g., some steps may be omitted or reordered) for the remittance transaction process. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 8, the transaction history receiving means 160 receives m ′ received transaction approval transaction details transmitted from the beneficiary wireless terminal 200 through the process illustrated in FIG. 7 (800). The virtual account opening means 120 checks the ledger 170 and checks whether a recipient virtual account in the payee name is opened (805).

If the payee virtual account in the payee name is not confirmed (810), the payee virtual account opening means 120 regards the payee's carrier subscription status authentication result as a real name authentication for the virtual account opening the ledger 170 A recipient's virtual account in the recipient's name is opened (815).

On the other hand, when the payee virtual account in the payee name is confirmed (810) or the payee virtual account is newly established through the payee virtual account opening means 120 (815), the payee virtual account operation means 125 is the Based on the access rights of the m 'remitter's virtual accounts, the money transfer amount corresponding to the m' transaction details is transferred from the m 'remitter's virtual account to the recipient's virtual account (820).

If the m 'transfer transaction is completed (825), the remitter virtual account operating means 110 sets the ledger access authority for the m' sender-side transaction details of the transfer transaction is completed in the recipient unreachable state (830) In operation 835, the recipient virtual account operation means 125 constructs a receipt transaction result information for the m 'transfer transactions and transmits the received transaction result information to the recipient wireless terminal 200 (835).

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

105: means of opening the sender virtual account 110: means of operating the sender virtual account
115: remitter virtual account inquiry means 120: remittee 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: communication company server
190: Remitter wireless terminal 200: Recipient wireless terminal

Claims (9)

In the method executed through a transaction server providing a remittance transaction,
A first step of receiving remittance transaction request information including the remittance amount information and the remittee wireless terminal information input through the remitter wireless terminal;
A second step of constructing and storing a transaction history capable of providing a receivable transaction corresponding to the remittance transaction request information when the recipient account information for providing the remittance transaction is not confirmed through the information included in the remittance transaction request information;
After the transaction is stored, when the recipient wireless terminal corresponding to the recipient wireless terminal information is connected, one or more recipient related information is checked through the recipient wireless terminal, and the recipient related information is designated to a server designated to process real name authentication. A third step of verifying a result of authenticating the real name of the payee after providing the requested real name authentication by the payee; And
And a fourth step of performing a transaction process of a beneficiary transaction using the beneficiary account information designated by the real name authenticated payee and the transaction history when the beneficiary real name authentication succeeds.
The method of claim 1, wherein the real name authentication,
Non-password-based authentication registered during the sign-up process of the payee, the remittance method between the wireless terminals, characterized in that the authentication is performed through a separate designated server to open the account of the payee name or designate the account before signing up the payee. .
The method of claim 1,
The remittance transaction request information further includes a remittance message directly input by the remitter through the remitter wireless terminal,
The remittance message, the remittance method between the wireless terminal, characterized in that provided to the recipient wireless terminal via a remittance transaction request message sent through the recipient wireless terminal information.
The method of claim 1, wherein the transaction history,
And receiving information corresponding to the remittance amount information of the remittance transaction request information to a designated remittee account even after the communication with the remitter wireless terminal is terminated.
The method of claim 1,
Setting an expiration date for processing a received transaction using the stored transaction details;
And automatically canceling the received transaction using the transaction history when the expiration date has elapsed.
The method of claim 1,
And after the transaction is stored, confirming a connection of a receiver wireless terminal corresponding to the receiver wireless terminal information.
The method of claim 1,
After the transaction is stored, processing a request transaction request message for inducing access to a recipient qualification using the payee wireless terminal information; And
And confirming a connection of a receiver wireless terminal in response to the receiver transaction request message in a receiver wireless terminal receiving the receiver transaction request message.
The method of claim 1, wherein the fourth step,
Requesting approval of a receipt transaction for the transaction through the recipient wireless terminal; And
And performing a transaction procedure of a beneficiary transaction using the beneficiary account information and the transaction details designated by the real name authenticated beneficiary when the beneficiary transaction is approved through the beneficiary wireless terminal. Way.
The method of claim 1, wherein the fourth step,
Checking m (m ≧ 1) transaction details including recipient wireless terminal information corresponding to the confirmed recipient wireless terminal among the stored transactions;
Providing the identified m transactions to the recipient wireless terminal; And
When approving a receiving transaction through the payee wireless terminal, m '(1≤m'≤m) transactions received from the transaction history provided to the payee wireless terminal and payee account information designated by the real name authenticated payee are used. And performing a transaction procedure of a remittance transaction for receiving an amount corresponding to the m 'transaction details to a payee account.

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